EX-10.1 3 rz3psa.txt POOLING & SERVICING AGREEMENT RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., Depositor, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and THE CHASE MANHATTAN BANK Trustee POOLING AND SERVICING AGREEMENT Dated as of August 1, 2001 Mortgage Asset-Backed Pass-Through Certificates Series 2001-RZ3
TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01. Definitions...................................................-4- Accrued Certificate Interest.........................................-4- Adjusted Mortgage Rate...............................................-5- Adjusted Net WAC Rate................................................-5- Advance..............................................................-5- Affiliate............................................................-5- Agreement............................................................-5- Amount Held for Future Distribution..................................-6- Appraised Value......................................................-6- Assignment...........................................................-6- Assignment Agreement.................................................-6- Available Distribution Amount........................................-6- Bankruptcy Code......................................................-6- Book-Entry Certificate...............................................-7- Business Day.........................................................-7- Cash Liquidation.....................................................-7- Certificate..........................................................-7- Certificate Account..................................................-7- Certificate Account Deposit Date.....................................-7- Certificateholder or Holder..........................................-7- Certificate Owner....................................................-8- Certificate Principal Balance........................................-8- Certificate Register and Certificate Registrar.......................-8- Class ..............................................................-8- Class A Certificates.................................................-8- Class A-1 Certificate................................................-8- Class A-2 Certificate................................................-8- Class A-3 Certificate................................................-9- Class A-4 Certificate................................................-9- Class A-5 Certificate................................................-9- Class A-IO Certificate...............................................-9- Class A Interest Distribution Amount.................................-9- Class A Principal Distribution Amount................................-9- Class B Certificate.................................................-10- Class B Interest Distribution Amount................................-10- Class B Net WAC Shortfall...........................................-10- Class B Net WAC Shortfall Carry-Forward Amount......................-10- Class B Principal Distribution Amount...............................-10- (i) Class M Certificates................................................-10- Class M-1 Certificate...............................................-11- Class M-1 Interest Distribution Amount..............................-11- Class M-1 Principal Distribution Amount.............................-11- Class M-2 Certificate...............................................-11- Class M-2 Interest Distribution Amount..............................-11- Class M-2 Principal Distribution Amount.............................-11- Class M-3 Certificate...............................................-12- Class M-3 Interest Distribution Amount..............................-12- Class M-3 Principal Distribution Amount.............................-12- Class R Certificate.................................................-12- Class R-I Certificate...............................................-12- Class R-II Certificate..............................................-13- Class R-III Certificate.............................................-13- Class SB Certificate................................................-13- Closing Date........................................................-13- Code .............................................................-13- Compensating Interest...............................................-13- Corporate Trust Office..............................................-13- Current Specified Overcollateralization Percentage..................-13- Curtailment.........................................................-14- Custodial Account...................................................-14- Custodial Agreement.................................................-14- Custodian...........................................................-14- Cut-off Date........................................................-14- Cut-off Date Balance................................................-14- Cut-off Date Principal Balance......................................-14- Debt Service Reduction..............................................-14- Deficient Valuation.................................................-14- Definitive Certificate..............................................-14- Deleted Mortgage Loan...............................................-14- Delinquent..........................................................-14- Depository..........................................................-15- Depository Participant..............................................-15- Destroyed Mortgage Note.............................................-15- Determination Date..................................................-15- Disqualified Organization...........................................-15- Distribution Date...................................................-16- Diverted Excess Spread..............................................-16- Due Date............................................................-16- Due Period..........................................................-16- Eligible Account....................................................-16- ERISA .............................................................-16- Event of Default....................................................-16- Excess Cash Flow....................................................-16- Excess Fraud Loss...................................................-17- (ii) Excess Loss.........................................................-17- Exchange Date.......................................................-17- Excess Special Hazard Loss..........................................-17- Extraordinary Events................................................-17- Extraordinary Losses................................................-18- Fannie Mae..........................................................-18- FASIT .............................................................-18- FDIC .............................................................-18- FHA .............................................................-18- Final Distribution Date.............................................-18- Final Scheduled Distribution Date...................................-18- Fitch .............................................................-18- Foreclosure Profits.................................................-18- Fraud Loss Amount...................................................-19- Fraud Losses........................................................-19- Freddie Mac.........................................................-19- HomeComings.........................................................-19- Independent.........................................................-19- Initial Certificate Principal Balance...............................-20- Insurance Proceeds..................................................-20- Interest Accrual Period.............................................-20- Interest Distribution Amount........................................-20- Interim Certificates................................................-20- Late Collections....................................................-20- Liquidation Proceeds................................................-20- Loan-to-Value Ratio.................................................-20- Marker Rate.........................................................-20- Maturity Date.......................................................-21- MERS .............................................................-21- MERS(R)System.......................................................-21- MIN .............................................................-21- Modified Mortgage Loan..............................................-22- Modified Net Mortgage Rate..........................................-22- MOM Loan............................................................-22- Monthly Payment.....................................................-22- Moody's.............................................................-22- Mortgage............................................................-22- Mortgage File.......................................................-22- Mortgage Loans......................................................-22- Mortgage Loan Schedule..............................................-22- Mortgage Note.......................................................-23- Mortgage Rate.......................................................-23- Mortgaged Property..................................................-24- Mortgagor...........................................................-24- Net Mortgage Rate...................................................-24- Non-Primary Residence Loans.........................................-24- (iii) Non-United States Person............................................-24- Nonrecoverable Advance..............................................-24- Nonsubserviced Mortgage Loan........................................-24- Notional Amount.....................................................-24- Officers' Certificate...............................................-24- Opinion of Counsel..................................................-24- Outstanding Mortgage Loan...........................................-25- Overcollateralization Amount........................................-25- Overcollateralization Increase Amount...............................-25- Ownership Interest..................................................-25- Pass-Through Rate...................................................-25- Paying Agent........................................................-27- Percentage Interest.................................................-27- Permitted Investments...............................................-28- Permitted Transferee................................................-29- Person .............................................................-29- Placement Agent.....................................................-29- Pool Stated Principal Balance.......................................-29- Prepayment Assumption...............................................-29- Prepayment Interest Shortfall.......................................-29- Prepayment Period...................................................-30- Primary Insurance Policy............................................-30- Principal Distribution Amount.......................................-30- Principal Prepayment................................................-30- Principal Prepayment in Full........................................-31- Principal Remittance Amount.........................................-31- Program Guide.......................................................-31- Purchase Price......................................................-31- Qualified Substitute Mortgage Loan..................................-31- Rating Agency.......................................................-31- Realized Loss.......................................................-32- Record Date.........................................................-32- Regular Certificates................................................-32- Regular Interest....................................................-32- Relief Act..........................................................-32- REMIC .............................................................-32- REMIC Administrator.................................................-33- REMIC I.............................................................-33- REMIC I Regular Interest LT-1.......................................-33- REMIC I Regular Interest LT-2.......................................-33- REMIC II............................................................-34- REMIC II Interest Loss Allocation Amount............................-34- REMIC II Overcollateralization Amount..............................-34- REMIC II Principal Loss Allocation Amount...........................-35- REMIC II Regular Interest MT-1......................................-35- REMIC II Regular Interest MT-2......................................-35- (iv) REMIC II Regular Interest MT-3......................................-35- REMIC II Regular Interest MT-4......................................-35- REMIC II Regular Interest MT-5......................................-35- REMIC II Regular Interest MT-6......................................-35- REMIC II Regular Interest MT-7......................................-36- REMIC II Regular Interest MT-8......................................-36- REMIC II Regular Interest MT-9......................................-36- REMIC II Regular Interest MT-10.....................................-36- REMIC II Regular Interest MT-11.....................................-36- REMIC II Regular Interest MT-11 Maximum Interest Deferral Amount....-36- REMIC II Required Overcollateralization Amount......................-37- REMIC III...........................................................-37- REMIC Provisions....................................................-37- REO Acquisition.....................................................-37- REO Disposition.....................................................-38- REO Imputed Interest................................................-38- REO Proceeds........................................................-38- REO Property........................................................-38- Repurchase Event....................................................-38- Request for Release.................................................-38- Required Insurance Policy...........................................-38- Required Overcollateralization Amount...............................-38- Reserve Fund........................................................-38- Reserve Fund Deposit................................................-38- Reserve Fund Residual Right.........................................-38- Residential Funding.................................................-38- Responsible Officer.................................................-39- Servicing Accounts..................................................-39- Servicing Advances..................................................-39- Servicing Fee.......................................................-39- Servicing Fee Rate..................................................-39- Servicing Modification..............................................-39- Servicing Officer...................................................-39- Sixty-Plus Delinquency Percentage...................................-39- Special Hazard Amount...............................................-40- Special Hazard Loss.................................................-40- Standard & Poor's...................................................-40- Startup Date........................................................-41- Stated Principal Balance............................................-41- Stepdown Date.......................................................-41- Step-Up Date........................................................-41- Subordination.......................................................-41- Subserviced Mortgage Loan...........................................-41- Subservicer.........................................................-41- Subservicer Advance.................................................-41- (v) Subservicing Account................................................-41- Subservicing Agreement..............................................-42- Subservicing Fee....................................................-42- Tax Returns.........................................................-42- Transfer............................................................-42- Transferee..........................................................-42- Transferor..........................................................-42- Trigger Event.......................................................-42- Trust Fund..........................................................-43- Uniform Single Attestation Program for Mortgage Bankers.............-43- Uncertificated Accrued Interest.....................................-43- Uncertificated Notional Amount......................................-43- Uncertificated Pass-Through Rate....................................-44- Uncertificated Principal Balance....................................-44- Uncertificated REMIC I Pass-Through Rate............................-44- Uncertificated REMIC II Pass-Through Rate...........................-44- Uncertificated Regular Interests....................................-44- Uninsured Cause.....................................................-44- United States Person................................................-45- VA .............................................................-45- Voting Rights.......................................................-45- Weighted Average Net Mortgage Rate..................................-45- ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans.................................-46- Section 2.02. Acceptance by Trustee........................................-49- Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Depositor ...............................-51- Section 2.04. Representations and Warranties of Residential Funding........-53- Section 2.05. Execution and Authentication of Certificates; Conveyance of Uncertificated REMIC Regular Interests....................-55- ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer...........................-57- Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' Obligations; Special Servicing.............. ..........................-58- Section 3.03. Successor Subservicers.......................................-59- Section 3.04. Liability of the Master Servicer.............................-60- (vi) Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders ............................-60- Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee ..................................................-60- Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account......................................-61- Section 3.08. Subservicing Accounts; Servicing Accounts....................-63- Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans........................................-65- Section 3.10. Permitted Withdrawals from the Custodial Account.............-65- Section 3.11. Maintenance of Primary Insurance Coverage....................-67- Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage .................................................-67- Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments.............-69- Section 3.14. Realization Upon Defaulted Mortgage Loans....................-71- Section 3.15. Trustee to Cooperate; Release of Mortgage Files..............-73- Section 3.16. Servicing and Other Compensation; Compensating Interest......-75- Section 3.17. Reports to the Trustee and the Depositor.....................-76- Section 3.18. Annual Statement as to Compliance............................-76- Section 3.19. Annual Independent Public Accountants' Servicing Report......-76- Section 3.20. Right of the Depositor in Respect of the Master Servicer.....-77- ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account..........................................-78- Section 4.02. Distributions................................................-78- Section 4.03. Statements to Certificateholders.............................-85- Section 4.04. Distribution of Reports to the Trustee and the Depositor; Advances by the Master Servicer.....................................................-87- Section 4.05. Allocation of Realized Losses................................-89- Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property-91- Section 4.07. Optional Purchase of Defaulted Mortgage Loans................-91- Section 4.08. Distribution of Class B Net WAC Shortfall Carry-Forward Amount; Reserve Fund -91- ARTICLE V THE CERTIFICATES Section 5.01. The Certificates.............................................-93- Section 5.02. Registration of Transfer and Exchange of Certificates........-94- Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates...........-100- Section 5.04. Persons Deemed Owners.......................................-100- Section 5.05. Appointment of Paying Agent.................................-101- Section 5.06. Optional Purchase of Certificates...........................-101- (vii) ARTICLE VI THE DEPOSITOR AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Depositor and the Master Servicer .........................................-103- Section 6.02. Merger or Consolidation of the Depositor or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer.......... ............................-103- Section 6.03. Limitation on Liability of the Depositor, the Master Servicer and Others .....................................-104- Section 6.04. Depositor and Master Servicer Not to Resign.................-105- ARTICLE VII DEFAULT Section 7.01. Events of Default...........................................-106- Section 7.02. Trustee or Depositor to Act; Appointment of Successor.......-108- Section 7.03. Notification to Certificateholders..........................-109- Section 7.04. Waiver of Events of Default.................................-109- ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01. Duties of Trustee...........................................-111- Section 8.02. Certain Matters Affecting the Trustee.......................-112- Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans.......-114- Section 8.04. Trustee May Own Certificates................................-114- Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification .........................................-114- Section 8.06. Eligibility Requirements for Trustee........................-115- Section 8.07. Resignation and Removal of the Trustee......................-116- Section 8.08. Successor Trustee...........................................-117- Section 8.09. Merger or Consolidation of Trustee..........................-117- Section 8.10. Appointment of Co-Trustee or Separate Trustee...............-118- Section 8.11. Appointment of Custodians...................................-119- ARTICLE IX TERMINATION Section 9.01. Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans........................-120- Section 9.02. Additional Termination Requirements.........................-122- ARTICLE X REMIC PROVISIONS Section 10.01.REMIC Administration........................................-124- Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification .........................................-127- ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01.Amendment...................................................-129- Section 11.02.Recordation of Agreement; Counterparts......................-131- Section 11.03.Limitation on Rights of Certificateholders..................-132- Section 11.04.Governing Law...............................................-133- Section 11.05.Notices.....................................................-133- Section 11.06.Notices to Rating Agencies..................................-133- Section 11.07.Severability of Provisions..................................-134- Section 11.08.Supplemental Provisions for Resecuritization................-134-
Exhibit A Form of Class A Certificate Exhibit B-1 Form of Class M Certificate Exhibit B-2 Form of Definitive Class B Certificate Exhibit C Form of Class SB Certificate Exhibit D Form of Class R Certificate Exhibit E Form of Custodial Agreement Exhibit F Mortgage Loan Schedule Exhibit G Forms of Request for Release Exhibit H-1 Form of Transfer Affidavit and Agreement Exhibit H-2 Form of Transferor Certificate Exhibit I Form of Investor Representation Letter Exhibit J Form of Transferor Representation Letter Exhibit K Text of Amendment to Pooling and Servicing Agreement Pursuant to Section 11.01(e) for a Limited Guaranty Exhibit L Form of Limited Guaranty Exhibit M Form of Lender Certification for Assignment of Mortgage Loan Exhibit N Form of Rule 144A Investment Representation Exhibit O Form of ERISA Letter for Class SB Certificates Exhibit P Form of ERISA Letter for Class M and Class B Certificates (viii) This Pooling and Servicing Agreement, effective as of August 1, 2001, among RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as the depositor (together with its permitted successors and assigns, the "Depositor"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and THE CHASE MANHATTAN BANK, a New York banking corporation, as trustee (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Depositor intends to sell mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued hereunder in fourteen classes, which in the aggregate will evidence the entire beneficial ownership interest in a trust fund (the "Trust Fund") consisting primarily of the Mortgage Loans (as defined herein) and the Reserve Fund (as described herein). REMIC I As provided herein, the REMIC Administrator will make an election to treat the segregated pool of assets consisting of the Mortgage Loans and certain other related assets (exclusive of the Reserve Fund) subject to this Agreement as a real estate mortgage investment conduit (a "REMIC") for federal income tax purposes, and such segregated pool of assets will be designated as "REMIC I." The Class R-I Certificates will represent the sole class of "residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under federal income tax law. The following table irrevocably sets forth the designation, remittance rate (the "Uncertificated REMIC I Pass- Through Rate") and initial Uncertificated Principal Balance for each of the "regular interests" in REMIC I (the "REMIC I Regular Interests"). The "latest possible maturity date" (determined solely for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii)) for each REMIC I Regular Interest shall be the 360th Distribution Date. None of the REMIC I Regular Interests will be certificated.
Uncertificated REMIC I Initial Uncertificated Latest Possible Designation Pass-Through Rate Principal Balance Maturity Date ------------- ------------------------ ---------------------- ---------------------- LT-1 Variable(1) $ 175,001,206.00 August 25, 2031 LT-2 Variable(1) $ 5,000,000.00 August 25, 2031 LT-3 Variable(1) $ 5,000,000.00 August 25, 2031 LT-4 Variable(1) $ 5,000,000.00 August 25, 2031 LT-5 Variable(1) $ 5,000,000.00 August 25, 2031 LT-6 Variable(1) $ 20,000,000.00 August 25, 2031 R-1 - $ -
------------------- (1) Calculated as provided in the definition of Uncertificated REMIC I Pass-Through Rate. REMIC II As provided herein, the REMIC Administrator will make an election to treat the segregated pool of assets consisting of the REMIC I Regular Interests and certain other related assets (exclusive -1- of the Reserve Fund) subject to this Agreement as a real estate mortgage investment conduit (a "REMIC") for federal income tax purposes, and such segregated pool of assets will be designated as "REMIC II." The Class R-II Certificates will represent the sole class of "residual interests" in REMIC II for purposes of the REMIC Provisions (as defined herein) under federal income tax law. The following table irrevocably sets forth the designation, remittance rate (the "Uncertificated REMIC II Pass-Through Rate") and initial Uncertificated Principal Balance for each of the "regular interests" in REMIC II (the "REMIC II Regular Interests"). The "latest possible maturity date" (determined solely for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii)) for each REMIC II Regular Interest shall be the 360th Distribution Date. None of the REMIC II Regular Interests will be certificated.
Uncertificated REMIC II Initial Uncertificated Latest Possible Designation Pass-Through Rate Principal Balance Maturity Date ------------- ------------------------ ---------------------- ---------------------- MT-1 Variable(1) $ 210,701,181.88 August 25, 2031 MT-2 Variable(1) $ 531,500.00 August 25, 2031 MT-3 Variable(1) $ 361,940.00 August 25, 2031 MT-4 Variable(1) $ 279,900.00 August 25, 2031 MT-5 Variable(1) $ 464,310.00 August 25, 2031 MT-6 Variable(1) $ 189,850.00 August 25, 2031 MT-7 Variable(1) $ 118,250.00 August 25, 2031 MT-8 Variable(1) $ 96,750.00 August 25, 2031 MT-9 Variable(1) $ 64,500.00 August 25, 2031 MT-10 Variable(1) $ 43,000.00 August 25, 2031 MT-11 Variable(1) $ 2,150,024.12 August 25, 2031 MT-IO Variable(2) $ N/A(3) August 25, 2031
------------------- (1) Calculated as provided in the definition of Uncertificated REMIC II Pass-Through Rate. (2) The Pass-Through Rate for REMIC II Regular Interest MT-IO will be 8.00% per annum for the September 2001 through February 2004 distribution dates. REMIC II Regular Interest MT-IO will only be entitled to interest for the first 30 distribution dates. (3) REMIC II Regular Interest MT-IO will not have an Uncertificated Principal Balance, but will accrue interest on its Uncertificated Notional Amount as defined herein. REMIC III As provided herein, the REMIC Administrator will elect to treat the segregated pool of assets consisting of the REMIC II Regular Interests (exclusive of the Reserve Fund) as a REMIC for federal income tax purposes, and such segregated pool of assets will be designated as REMIC III. The Class R-III Certificates will represent the sole class of "residual interests" in REMIC III for purposes of the REMIC Provisions under federal income tax law. The following table irrevocably sets forth the designation, Pass-Through Rate, aggregate Initial Certificate Principal Balance, certain features, Maturity Date and initial ratings for each Class of Certificates comprising the interests representing "regular interests" in REMIC III. The "latest possible maturity date" (determined solely for purposes of satisfying Treasury Regulation Section 1.860G-1(a)(4)(iii)) for each Class of REMIC III Regular Certificates shall be the 360th Distribution Date. -2-
PASS- AGGREGATE INITIAL THROUGH CERTIFICATE PRINC FEATURES DESIGNATION TYPE RATE BALANCE IPAL MATURITY DATE INITIAL RATINGS S&P/FITCH MOODY'S Class A-1 Senior 4.66%(1) $ 53,150,000.00 Senior August 25, 2031 AAA Aaa Class A-2 Senior 5.01%(1) $ 36,194,000.00 Senior August 25, 2031 AAA Aaa Class A-3 Senior 5.42%(1) $ 27,990,000.00 Senior August 25, 2031 AAA Aaa Class A-4 Senior 6.13%(1) $ 46,431,000.00 Senior August 25, 2031 AAA Aaa Class A-5 Senior 6.70%(1)(2) $ 18,985,000.00 Senior August 25, 2031 AAA Aaa Class A-IO Senior 8.00%(3) $ (4)Senior/InteFebruary 25, 2004 AAA Aaa Only Class M-1 Mezzanine 6.63%(1)(2) $ 11,825,000.00 Mezzanine August 25, 2031 AA Aa2 Class M-2 Mezzanine 6.88%(1)(2) $ 9,675,000.00 Mezzanine August 25, 2031 A A2 Class M-3 Mezzanine 7.22%(1)(2)(6$ 6,450,000.00 Mezzanine August 25, 2031 BBB Baa2 Class B Subordinate8.50%(1)(2)(6$ 4,300,000.00SubordinateAugust 25, 2031 BB Ba2 Class SB SubordinateAdjustable(5)$ 1,205.90SubordinateAugust 25, 2031 N/R N/R Class R-I Residual N/A N/A Residual August 25, 2031 N/R N/R Class R-II Residual N/A N/A Residual August 25, 2031 N/R N/R Class R-III Residual N/A N/A Residual August 25, 2031 N/R N/R
------------------ (1) Subject to a cap as described in the definition of "Pass-Through Rate" herein. (2) After the first Distribution Date after the Step-Up Date, the Pass-Through Rate indicated above will increase by a per annum rate equal to 0.50%. (3) The Pass-Through Rate for the Class A-IO Certificates will be 8.00% per annum for the September 2001 through February 2004 Distribution Dates. The Class A-IO Certificates will only be entitled to interest for the first 30 Distribution Dates. (4) The Class A-IO Certificates do not have a principal balance. For the purpose of calculating interest payments, interest will accrue on a notional amount initially equal to the lesser of (a) $40,000,000 for the September 2001 through February 2002 distribution dates; $35,000,000 for the March 2002 through August 2002 distribution dates; $30,000,000 for the September 2002 through February 2003 distribution dates; $25,000,000 for the March 2003 through August 2003 distribution dates; $20,000,000 for the September 2003 through February 2004 distribution dates; and $0 for distribution dates following the February 2004 distribution date; and (b) the mortgage pool balance. (5) The Class SB Certificates will accrue interest as described in the definition of Accrued Certificate Interest. The Class SB Certificates will not accrue interest on their Certificate Principal Balance. (6) After the Distribution Date in February 2004, the Pass-Through Rate on the Class M-3 and Class B Certificates will be the lesser of the fixed rate per annum indicated above and the Weighted Average Net Mortgage Rates of the Mortgage Loans. The Mortgage Loans have an aggregate Cut-off Date Principal Balance equal to approximately $215,001,206. The Mortgage Loans are fixed-rate, fully amortizing, first lien or balloon payment mortgage loans having terms to maturity at origination of not more than 30 years. In consideration of the mutual agreements herein contained, the Depositor, the Master Servicer and the Trustee agree as follows: -3- ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accrued Certificate Interest: With respect to each Distribution Date and the Class A, Class M and Class B Certificates, interest accrued during the preceding calendar month at the related Pass-Through Rate less interest shortfalls and interest losses from the Mortgage Loans, if any, allocated thereto for such Distribution Date, on the Certificate Principal Balance thereof, or Notional Amount thereof, in the case of the Class A-IO Certificates, immediately prior to such Distribution Date (or in the case of the first Distribution Date, the Cut-off Date). Accrued Certificate Interest on the Class A, Class M and Class B Certificates will be reduced by (i) the interest portion (adjusted to the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) of Excess Losses on the Mortgage Loans to the extent allocated to the related Class A, Class M and Class B Certificates, (ii) the interest portion of Advances previously made with respect to a Mortgage Loan or REO Property which remained unreimbursed following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property that were made with respect to delinquencies that were ultimately determined to be Excess Losses, and (iii) any other interest shortfalls on the Mortgage Loans, other than Prepayment Interest Shortfalls, including interest that is not collectible from the Mortgagor for the related Due Period pursuant to the Relief Act or similar legislation or regulations as in effect from time to time, with all such reductions allocated on the Mortgage Loans to the Class A, Class M and Class B Certificates on a pro rata basis in reduction of the Accrued Certificate Interest which would have resulted absent such reductions. In addition to the foregoing, the amount of interest payable to the Class A, Class M and Class B Certificates shall be reduced by the amount of (a) Prepayment Interest Shortfalls to the extent not covered by Compensating Interest pursuant to Section 3.16 allocated thereto pursuant to Section 4.02(e) or covered by payments pursuant to Section 4.02(c)(viii) and (ix); and (b) the interest portion of Realized Losses allocated through Subordination as described in Section 4.05. With respect to each Distribution Date and the Class SB Certificates, interest accrued during the preceding calendar month at the related Pass-Through Rate on the Notional Amount as specified in the definition of Pass-Through Rate, immediately prior to such Distribution Date in each case, reduced by any interest shortfalls with respect to the Mortgage Loans other than Prepayment Interest Shortfalls. In addition, Accrued Certificate Interest with respect to each Distribution Date, as to the Class SB Certificates, shall be reduced by an amount equal to the interest portion of Realized Losses allocated to the Overcollateralization Amount pursuant to Section 4.05 hereof. Accrued Certificate Interest on the Class A Certificates, the Class M Certificates, the Class B Certificates and Class SB Certificates shall accrue on the basis of a 360-day year consisting of twelve 30-day months. -4- Adjusted Mortgage Rate: With respect to any Mortgage Loan and any date of determination, the Mortgage Rate borne by the related Mortgage Note, less the rate at which the related Subservicing Fee accrues. Adjusted Net WAC Rate: For the September 2001 Distribution Date through the February 2004 Distribution Date, a per annum rate equal to (1) the weighted average of the Net Mortgage Rates of the Mortgage Loans as of the first day of the month preceding the month in which such Distribution Date occurs minus (2) the Pass-Through Rate for the Class A-IO Certificates for such Distribution Date multiplied by a fraction, the numerator of which is (x) the Notional Amount of the Class A-IO Certificates immediately prior to such Distribution Date, and the denominator of which is (y) the aggregate Stated Principal Balance of the Mortgage Loans as of the first day of the month preceding the month in which such Distribution Date occurs. For any subsequent Distribution Date, the weighted average of the Net Mortgage Rates of the Mortgage Loans. For federal income tax purposes, however, a per annum rate (but not less than zero) equal to the weighted average of (x) the Uncertificated REMIC 1 Pass-Through Rate with respect to REMIC 1 Regular Interest LT-1 for such Distribution Date and (y) the excess, if any, of the Uncertificated REMIC 1 Pass-Through Rate with respect to REMIC 1 Regular Interest LT-6 for such Distribution Date over 8.00% per annum, weighted, in the case of clause (x), on the basis of the Uncertificated Principal Balance of REMIC 1 Regular Interest LT-1, and in the case of clause (y), on the basis of, with respect to any Distribution Date in or before February 2002, the aggregate Uncertificated Principal Balances of REMIC 1 Regular Interest LT-2, REMIC 1 Regular Interest LT-3, REMIC 1 Regular Interest LT-4, REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any Distribution Date after February 2002 and in or before August 2002, the aggregate Uncertificated Principal Balances of REMIC 1 Regular Interest LT-3, REMIC 1 Regular Interest LT-4, REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any Distribution Date after August 2002 and in or before February 2003, the aggregate Uncertificated Principal Balances of REMIC 1 Regular Interest LT-4, REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any Distribution Date after February 2003 and in or before August 2003, the aggregate Uncertificated Principal Balances of REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any distribution date after August 2003 and in or before February 2004, the Uncertificated Principal Balance of REMIC 1 Regular Interest LT-6, respectively. Advance: As to any Mortgage Loan, any advance made by the Master Servicer, pursuant to Section 4.04. Affiliate: With respect to any Person, any other Person controlling, controlled by or under common control with such first Person. For the purposes of this definition, "control" means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms "controlling" and "controlled" have meanings correlative to the foregoing. Agreement: This Pooling and Servicing Agreement and all amendments hereof and supplements hereto. -5- Amount Held for Future Distribution: As to any Distribution Date, the total of the amounts held in the Custodial Account at the close of business on the preceding Determination Date on account of (i) Liquidation Proceeds, Insurance Proceeds, Principal Prepayments, Mortgage Loan purchases made pursuant to Section 2.02, 2.03, 2.04 or 4.07 and Mortgage Loan substitutions made pursuant to Section 2.03 or 2.04 received or made in the month of such Distribution Date (other than such Liquidation Proceeds, Insurance Proceeds and purchases of Mortgage Loans that the Master Servicer has deemed to have been received in the preceding month in accordance with Section 3.07(b)) and (ii) payments which represent early receipt of scheduled payments of principal and interest due on a date or dates subsequent to the Due Date in the related Due Period. Appraised Value: As to any Mortgaged Property, the appraised value of such Mortgaged Property based upon the appraisal or appraisals (or field review) made at the time of the origination of the related Mortgage Loan. Assignment: An assignment of the Mortgage, notice of transfer or equivalent instrument, in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect of record the sale of the Mortgage Loan to the Trustee for the benefit of Certificateholders, 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 county, if permitted by law and accompanied by an Opinion of Counsel to that effect. Assignment Agreement: The Assignment and Assumption Agreement, dated the Closing Date, between Residential Funding and the Depositor relating to the transfer and assignment of the Mortgage Loans. Available Distribution Amount: As to any Distribution Date, an amount equal to (a) the sum of (i) the amount relating to the Mortgage Loans on deposit in the Custodial Account as of the close of business on the immediately preceding Determination Date and amounts deposited in the Custodial Account in connection with the substitution of Qualified Substitute Mortgage Loans, (ii) the amount of any Advance made on the immediately preceding Certificate Account Deposit Date with respect to the Mortgage Loans, (iii) any amount deposited in the Certificate Account on the related Certificate Account Deposit Date pursuant to the second paragraph of Section 3.12(a) in respect of the Mortgage Loans, (iv) any amount that the Master Servicer is not permitted to withdraw from the Custodial Account pursuant to Section 3.16(e) in respect of the Mortgage Loans and (v) any amount deposited in the Certificate Account pursuant to Section 4.07 or 9.01 in respect of the Mortgage Loans, reduced by (b) the sum as of the close of business on the immediately preceding Determination Date of (x) the Amount Held for Future Distribution with respect to the Mortgage Loans, and (y) amounts permitted to be withdrawn by the Master Servicer from the Custodial Account in respect of the Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Bankruptcy Code: The Bankruptcy Code of 1978, as amended. -6- Book-Entry Certificate: Any Certificate registered in the name of the Depository or its nominee. Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the State of New York or the State of California (and such other state or states in which the Custodial Account or the Certificate Account are at the time located) are required or authorized by law or executive order to be closed. Calendar Quarter: A Calendar Quarter shall consist of one of the following time periods in any given year: January 1 through March 31, April 1 through June 30, July 1 though September 30, and October 1 through December 31. Cash Liquidation: As to any defaulted Mortgage Loan other than a Mortgage Loan as to which an REO Acquisition occurred, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds and other payments or cash recoveries which the Master Servicer reasonably and in good faith expects to be finally recoverable with respect to such Mortgage Loan. Certificate: Any Class A Certificate, Class M Certificate, Class SB Certificate or Class R Certificate. Certificate Account: The account or accounts created and maintained pursuant to Section 4.01, which shall be entitled "The Chase Manhattan Bank, as trustee, in trust for the registered holders of Residential Asset Mortgage Products, Inc., Mortgage Asset-Backed Pass- Through Certificates, Series 2001-RZ3" and which must be an Eligible Account. Certificate Account Deposit Date: As to any Distribution Date, the Business Day prior thereto. Certificateholder or Holder: The Person in whose name a Certificate is registered in the Certificate Register, except that neither a Disqualified Organization nor a Non-United States Person shall be a holder of a Class R Certificate for any purpose hereof. Solely for the purpose of giving any consent or direction pursuant to this Agreement, any Certificate, other than a Class R Certificate, registered in the name of the Depositor, the Master Servicer or any Subservicer or any Affiliate thereof shall be deemed not to be outstanding and the Percentage Interest or Voting Rights evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests or Voting Rights necessary to effect any such consent or direction has been obtained. All references herein to "Holders" or "Certificateholders" shall reflect the rights of Certificate Owners as they may indirectly exercise such rights through the Depository and participating members thereof, except as otherwise specified herein; provided, however, that the Trustee shall be required to recognize as a "Holder" or "Certificateholder" only the Person in whose name a Certificate is registered in the Certificate Register. -7- Certificate Owner: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of such Certificate, as reflected on the books of an indirect participating brokerage firm for which a Depository Participant acts as agent, if any, and otherwise on the books of a Depository Participant, if any, and otherwise on the books of the Depository. Certificate Principal Balance: With respect to any Class A, Class M or Class B Certificate (other than a Class A-IO Certificate), on any date of determination, an amount equal to (i) the Initial Certificate Principal Balance of such Certificate as specified on the face thereof, minus (ii) the sum of (x) the aggregate of all amounts previously distributed with respect to such Certificate (or any predecessor Certificate) and applied to reduce the Certificate Principal Balance or amount thereof pursuant to Section 4.02(c) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses which were previously allocated to such Certificate (or any predecessor Certificate) pursuant to Section 4.05. With respect to each Class SB Certificate, on any date of determination, an amount equal to the Percentage Interest evidenced by such Certificate times an amount equal to (i) the excess, if any, of (A) the then aggregate Stated Principal Balance of the Mortgage Loans over (B) the then aggregate Certificate Principal Balance of the Class A, Class M and Class B Certificates then outstanding, plus (ii) any Diverted Excess Spread. The Class A-IO and Class R Certificates will not have a Certificate Principal Balance. Certificate Register and Certificate Registrar: The register maintained and the registrar appointed pursuant to Section 5.02. Class: Collectively, all of the Certificates or uncertificated interests bearing the same designation. Class A Certificates: Any one of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5 or Class A-IO Certificates. Class A-1 Certificate: Any one of the Class A-1 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M Certificates, Class B Certificates, Class SB Certificates and Class R Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class A-2 Certificate: Any one of the Class A-2 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M Certificates, Class B Certificates, Class SB Certificates and Class R Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. -8- Class A-3 Certificate: Any one of the Class A-3 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M Certificates, Class B Certificates, Class SB Certificates and Class R Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class A-4 Certificate: Any one of the Class A-4 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M Certificates, Class B Certificates, Class SB Certificates and Class R Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class A-5 Certificate: Any one of the Class A-5 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M Certificates, Class B Certificates, Class SB Certificates and Class R Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class A-IO Certificate: Any one of the Class A-IO Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit A, senior to the Class M Certificates, Class B Certificates, Class SB Certificates and Class R Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class A Interest Distribution Amount: As defined in Section 4.02(c)(i). Class A Principal Distribution Amount: With respect to any Distribution Date on or after the Stepdown Date if a Trigger Event is not in effect for that Distribution Date, the lesser of: (I) the Principal Distribution Amount for that Distribution Date; and (II) the excess of (A) the aggregate Certificate Principal Balance of the Class A Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) 100% minus the sum of (a) 30.00% and (b) the Current Specified Overcollateralization Percentage and (2) the aggregate Stated Principal Balance of the Mortgage Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Mortgage Loans immediately preceding that Distribution Date. -9- Class B Certificate: Any one of the Class B Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in one or more of the forms annexed hereto as Exhibit B-2, senior to the Class SB Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and (i) evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions and (ii) the right to receive the Class B Net WAC Shortfall Carry-Forward Amount from the Reserve Fund. Class B Interest Distribution Amount: As defined in Section 4.02(c)(v). Class B Net WAC Shortfall: With respect to the Class B Certificates and any Distribution Date on which the REMIC II Net WAC Rate is used to determine the Pass-Through Rate of the Class B Certificates, an amount equal to the excess of (x) Accrued Certificate Interest calculated at 8.50% over (y) Accrued Certificate Interest calculated using the REMIC II Net WAC Rate. Class B Net WAC Shortfall Carry-Forward Amount: With respect to the Class B Certificates and any Distribution Date, an amount equal to the aggregate amount of Class B Net WAC Shortfall for this Class on that Distribution Date, plus any unpaid Class B Net WAC Shortfall from prior Distribution Dates, to the extent not covered by payments from the Reserve Fund, plus interest thereon to the extent previously unreimbursed by Excess Cash Flow at a rate equal to 8.50% per annum. Class B Principal Distribution Amount: With respect to any Distribution Date on or after the Stepdown Date if a Trigger Event is not in effect for that Distribution Date, the lesser of: (I) the remaining Principal Distribution Amount for that Distribution Date after distribution of the Class A, Class M-1, Class M-2 and Class M-3 Principal Distribution Amount; and (II) the excess of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A, Class M-1, Class M-2 and Class M-3 Certificates (after taking into account the payment of the Class A, Class M-1, Class M-2 and Class M-3 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class B Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) the Current Specified Overcollateralization Percentage and (2) the aggregate Stated Principal Balance of the Mortgage Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Mortgage Loans immediately preceding that Distribution Date. Class M Certificates: Any one of the Class M-1, Class M-2 or Class M-3 Certificates. -10- Class M-1 Certificate: Any one of the Class M-1 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B- 1, senior to the Class M-2, Class M-3, Class B and Class SB Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class M-1 Interest Distribution Amount: As defined in Section 4.02(c)(ii). Class M-1 Principal Distribution Amount: With respect to any Distribution Date on or after the Stepdown Date if a Trigger Event is not in effect for that Distribution Date, the lesser of: (I) the remaining Principal Distribution Amount for that Distribution Date after distribution of the Class A Principal Distribution Amount; and (II) the excess of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A Certificates (after taking into account the payment of the Class A Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-1 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) 100% minus the sum of (a) 19.00% and (b) the Current Specified Overcollateralization Percentage and (2) the aggregate Stated Principal Balance of the Mortgage Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Mortgage Loans immediately preceding that Distribution Date. Class M-2 Certificate: Any one of the Class M-2 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B- 1, senior to the Class M-3, Class B and Class SB Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class M-2 Interest Distribution Amount: As defined in Section 4.02(c)(iii). Class M-2 Principal Distribution Amount: With respect to any Distribution Date on or after the Stepdown Date if a Trigger Event is not in effect for that Distribution Date, the lesser of: (I) the remaining Principal Distribution Amount for that Distribution Date after distribution of the Class A Principal Distribution Amount and the Class M-1 Principal Distribution Amount; and (II) the excess of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A and Class M-1 Certificates (after taking into account the payment of -11- the Class A Principal Distribution Amount and Class M-1 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-2 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) 100% minus the sum of (a) 10.00% and (b) the Current Specified Overcollateralization Percentage and (2) the aggregate Stated Principal Balance of the Mortgage Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Mortgage Loans immediately preceding that Distribution Date. Class M-3 Certificate: Any one of the Class M-3 Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B- 1, senior to the Class B and Class SB Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Class M-3 Interest Distribution Amount: As defined in Section 4.02(c)(iv). Class M-3 Principal Distribution Amount: With respect to any Distribution Date on or after the Stepdown Date if a Trigger Event is not in effect for that Distribution Date, the lesser of: (I) the remaining Principal Distribution Amount for that Distribution Date after distribution of the Class A Principal Distribution Amount, the Class M-1 Principal Distribution Amount and the Class M-2 Principal Distribution Amount; and (II) the excess of (A) the sum of (1) the aggregate Certificate Principal Balance of the Class A, Class M-1 and Class M-2 Certificates (after taking into account the payment of the Class A Principal Distribution Amount, Class M-1 Principal Distribution Amount and Class M-2 Principal Distribution Amount for that Distribution Date) and (2) the Certificate Principal Balance of the Class M-3 Certificates immediately prior to that Distribution Date over (B) the lesser of (x) the product of (1) 100% minus the sum of (a) 4.00% and (b) the Current Specified Overcollateralization Percentage and (2) the aggregate Stated Principal Balance of the Mortgage Loans after giving effect to distributions to be made on that Distribution Date and (y) the aggregate Stated Principal Balance of the Mortgage Loans immediately preceding that Distribution Date. Class R Certificate: Any one of the Class R-I, Class R-II or Class R-III Certificates. Class R-I Certificate: Any one of the Class R-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC I for purposes of the REMIC Provisions. -12- Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Class R-III Certificate: Any one of the Class R-III Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC III for purposes of the REMIC Provisions. Class SB Certificate: Any one of the Class SB Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit C, subordinate to the Class A, Class M and Class B Certificates with respect to distributions and the allocation of Realized Losses in respect of the Mortgage Loans as set forth in Section 4.05, and evidencing an interest designated as a "regular interest" in REMIC III for purposes of the REMIC Provisions. Closing Date: August 29, 2001. Code: The Internal Revenue Code of 1986. Compensating Interest: With respect to any Distribution Date, an amount equal to Prepayment Interest Shortfalls resulting from Principal Prepayments in Full or Curtailments during the related Prepayment Period, but not more than the lesser of (a) one-twelfth of 0.125% of the Stated Principal Balance of the Mortgage Loans immediately preceding such Distribution Date and (b) the sum of the Servicing Fee, all income and gain on amounts held in the Custodial Account and the Certificate Account and payable to the Certificateholders with respect to such Distribution Date and servicing compensation to which the Master Servicer may be entitled pursuant to Section 3.10(a)(v) and (vi), in each case with respect to the Mortgage Loans; provided that for purposes of this definition the amount of the Servicing Fee will not be reduced pursuant to Section 7.02(a) except as may be required pursuant to the last sentence of Section 7.02(a). Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business with respect to this Agreement shall be administered, which office at the date of the execution of this instrument is located at 450 West 33rd Street, 14th Floor, New York, New York 10001, Attention: RAMPI, Series 2001-RZ3. Current Specified Overcollateralization Percentage: For any Distribution Date, a percentage equal to (a) the Required Overcollateralization Amount over (b) the aggregate Stated Principal Balance of the Mortgage Loans as of the end of the related Due Period, after giving effect to payments of principal for the related Due Period and Realized Losses incurred during the related Prepayment Period. -13- Curtailment: Any Principal Prepayment made by a Mortgagor which is not a Principal Prepayment in Full. Custodial Account: The custodial account or accounts created and maintained pursuant to Section 3.07 in the name of a depository institution, as custodian for the holders of the Certificates, for the holders of certain other interests in mortgage loans serviced or sold by the Master Servicer and for the Master Servicer, into which the amounts set forth in Section 3.07 shall be deposited directly. Any such account or accounts shall be an Eligible Account. Custodial Agreement: An agreement that may be entered into among the Depositor, the Master Servicer, the Trustee and a Custodian in substantially the form of Exhibit E hereto. Custodian: A custodian appointed pursuant to a Custodial Agreement. Cut-off Date: August 1, 2001. Cut-off Date Balance: $215,001,206. Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid principal balance thereof at the Cut-off Date after giving effect to all installments of principal due on or prior thereto (or due during the month of August 2001), whether or not received. Debt Service Reduction: With respect to any Mortgage Loan, a reduction in the scheduled Monthly Payment for such Mortgage 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. Deficient Valuation: With respect to any Mortgage Loan, a valuation by a court of competent jurisdiction of the Mortgaged Property in an amount less than the then outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any scheduled Monthly Payment that constitutes a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code. Definitive Certificate: Any definitive, fully registered Certificate. Deleted Mortgage Loan: A Mortgage Loan replaced or to be replaced with a Qualified Substitute Mortgage Loan. Delinquent: As used herein, a Mortgage Loan is considered to be: "30 to 59 days" or "30 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the next following monthly scheduled due date; "60 to 89 days" or "60 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the second following monthly scheduled due date; and so on. The determination as -14- to whether a Mortgage Loan falls into these categories is made as of the close of business on the last business day of each month. For example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of the close of business on August 31 would then be considered to be 30 to 59 days delinquent. Delinquency information as of the Cut-off Date is determined and prepared as of the close of business on the last business day immediately prior to the Cut-off Date. Depository: The Depository Trust Company, or any successor Depository hereafter named. The nominee of the initial Depository for purposes of registering those Certificates that are to be Book-Entry Certificates is Cede & Co. The Depository shall at all times be a "clearing corporation" as defined in Section 8-102(3) of the Uniform Commercial Code of the State of New York and a "clearing agency" registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934, as amended. Depository Participant: A broker, dealer, bank or other financial institution or other Person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository. Destroyed Mortgage Note: A Mortgage Note the original of which was permanently lost or destroyed and has not been replaced. Determination Date: With respect to any Distribution Date, the 20th day (or if such 20th day is not a Business Day, the Business Day immediately following such 20th day) of the month of the related Distribution Date. Disqualified Organization: Any organization defined as a "disqualified organization" under Section 860E(e)(5) of the Code, which includes any of the following: (i) the United States, any State or political subdivision thereof, any possession of the United States, or any agency or instrumentality of any of the foregoing (other than an instrumentality which is a corporation if all of its activities are subject to tax and, except for Freddie Mac, a majority of its board of directors is not selected by such governmental unit), (ii) a foreign government, any international organization, or any agency or instrumentality of any of the foregoing, (iii) any organization (other than certain farmers' cooperatives described in Section 521 of the Code) which is exempt from the tax imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of the Code on unrelated business taxable income) and (iv) rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code. A Disqualified Organization also includes any "electing large partnership," as defined in Section 775(a) of the Code and any other Person so designated by the Trustee based upon an Opinion of Counsel that the holding of an Ownership Interest in a Class R Certificate by such Person may cause any REMIC or any Person having an Ownership Interest in any Class of Certificates (other than such Person) to incur a liability for any federal tax imposed under the Code that would not otherwise be imposed but for the Transfer of an Ownership Interest in a Class R Certificate to such Person. The terms "United States", "State" and "international organization" shall have the meanings set forth in Section 7701 of the Code or successor provisions. -15- Distribution Date: The 25th day of any month beginning in the month immediately following the month of the initial issuance of the Certificates or, if such 25th day is not a Business Day, the Business Day immediately following such 25th day. Diverted Excess Spread: Any amount otherwise payable as Accrued Certificate Interest on the Class SB Certificate that, pursuant to Section 4.02(c), is used to increase the Overcollateralization Amount or is used to offset Realized Losses on any Mortgage Loans. Any reduction in the Overcollateralization Amount shall first reduce the Diverted Excess Spread until it is reduced to zero. No interest will accrue on the Diverted Excess Spread. Due Date: With respect to any Distribution Date and any Mortgage Loan, the day during the related Due Period on which the Monthly Payment is due. Due Period: With respect to any Distribution Date, the calendar month of such Distribution Date. Eligible Account: An account that is any of the following: (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in its highest rating 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 Trustee and each Rating Agency) the registered Holders of Certificates 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) in the case of the Custodial Account, either (A) a trust account or accounts maintained in the corporate trust department of Bank One, National Association, or (B) an account or accounts maintained in the corporate asset services department of Bank One, National Association as long as its short term debt obligations are rated P-1 (or the equivalent) or better by each Rating Agency, and its long term debt obligations are rated A2 (or the equivalent) or better, by each Rating Agency, or (iv) in the case of the Certificate Account, a trust account or accounts maintained in the corporate trust division of The Chase Manhattan Bank, 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 as the Custodial Account or the Certificate Account will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency). ERISA: The Employee Retirement Income Security Act of 1974, as amended. Event of Default: As defined in Section 7.01. Excess Cash Flow: With respect to any Distribution Date, an amount equal to the excess of (i) the Available Distribution Amount for that Distribution Date over (ii) the sum of (a) -16- the Interest Distribution Amount for that Distribution Date and (b) the Principal Remittance Amount for that Distribution Date. Excess Fraud Loss: With respect to the Mortgage Loans, any Fraud Loss on the Mortgage Loans, or portion thereof, which exceeds the then-applicable Fraud Loss Amount. Excess Loss: Any Excess Fraud Loss, Excess Special Hazard Loss or Extraordinary Loss. Exchange Date: As defined in Section 5.02(e)(iii). Excess Special Hazard Loss: With respect to the Mortgage Loans, any Special Hazard Loss on the Mortgage Loans, or portion thereof, that exceeds the then-applicable Special Hazard Amount. Extraordinary Events: Any of the following conditions with respect to a Mortgaged Property or Mortgage Loan causing or resulting in a loss which causes the liquidation of such Mortgage Loan: (a) losses that are of the type that would be covered by the fidelity bond and the errors and omissions insurance policy required to be maintained pursuant to Section 3.12(b) but are in excess of the coverage maintained thereunder; (b) nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, and whether such loss be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to or aggravated by a peril covered by the definition of the term "Special Hazard Loss"; (c) hostile or warlike action in time of peace or war, including action in hindering, combatting or defending against an actual, impending or expected attack; 1. by any government or sovereign power, de jure or de facto, or by any authority maintaining or using military, naval or air forces; or 2. by military, naval or air forces; or 3. by an agent of any such government, power, authority or forces; or 4. any weapon of war employing atomic fission or radioactive force whether in time of peace or war; or -17- 5. insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combatting or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority; or risks of contraband or illegal transportation or trade. Extraordinary Losses: Any loss incurred on a Mortgage Loan caused by or resulting from an Extraordinary Event. Fannie Mae: Fannie Mae, a federally chartered and privately owned corporation organized and existing under the Federal National Mortgage Association Charter Act, or any successor thereto. FASIT: A "financial asset securitization investment trust" within the meaning of Section 860L of the Code. FDIC: Federal Deposit Insurance Corporation or any successor thereto. FHA: The Federal Housing Administration, or its successor. Final Distribution Date: The Distribution Date on which the final distribution in respect of the Certificates will be made pursuant to Section 9.01, which Final Distribution Date shall in no event be later than the end of the 90-day liquidation period described in Section 9.02. Final Scheduled Distribution Date: Solely for purposes of the face of the Certificates, as follows: with respect to the Class A-IO Certificates, February 25, 2004, and with respect to the Certificates (other than the Class A-IO Certificates), August 25, 2031. No event of default under this Agreement will arise or become applicable solely by reason of the failure to retire the entire Certificate Principal Balance of any Class of Class A, Class M or Class B Certificates on or before its Final Scheduled Distribution Date. Fitch: Fitch, Inc., or its successor in interest. Foreclosure Profits: As to any Distribution Date or related Determination Date and any Mortgage Loan, the excess, if any, of Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of all amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of each Mortgage Loan or REO Property for which a Cash Liquidation or REO Disposition occurred in the related Prepayment Period over the sum of the unpaid principal balance of such Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in accordance with Section 3.14) plus accrued and unpaid interest at the Mortgage Rate on such unpaid principal balance from the Due Date to which interest was last paid by the Mortgagor to the first day of the month following the month in which such Cash Liquidation or REO Disposition occurred. -18- Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to (X) prior to the first anniversary of the Cut-off Date an amount equal to 3.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses on the Mortgage Loans allocated through Subordination, in accordance with Section 4.05 since the Cut-off Date up to such date of determination, (Y) from the first to the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Mortgage Loans allocated through Subordination, in accordance with Section 4.05 since the most recent anniversary of the Cut- off Date up to such date of determination and (Z) from the second to the fifth anniversary of the Cut- off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses on the Mortgage Loans allocated through Subordination, in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to the Class A Certificates or Class M Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency; and (ii) provide a copy of such written confirmation to the Trustee. Fraud Losses: Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. Freddie Mac: The Federal Home Loan Mortgage Corporation, a corporate instrumentality of the United States created and existing under Title III of the Emergency Home Finance Act of 1970, as amended, or any successor thereto. HomeComings: HomeComings Financial Network, Inc., a wholly-owned subsidiary of Residential Funding. Independent: When used with respect to any specified Person, means such a Person who (i) is in fact independent of the Depositor, the Master Servicer and the Trustee, or any Affiliate thereof, (ii) does not have any direct financial interest or any material indirect financial interest in the Depositor, the Master Servicer or the Trustee or in an Affiliate thereof, and (iii) is not connected with the Depositor, the Master Servicer or the Trustee as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. -19- Initial Certificate Principal Balance: With respect to each Class of Certificates (other than the Class A-IO Certificates and Class R Certificates), the Certificate Principal Balance of such Class of Certificates as of the Cut-off Date as set forth in the Preliminary Statement hereto. Insurance Proceeds: Proceeds paid in respect of the Mortgage Loans pursuant to any Primary Insurance Policy or any other related insurance policy covering a Mortgage Loan, to the extent such proceeds are payable to the mortgagee under the Mortgage, any Subservicer, the Master Servicer or the Trustee and are not applied to the restoration of the related Mortgaged Property or released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing mortgage loans held for its own account. Interest Accrual Period: With respect to the Certificates and any Distribution Date, the prior calendar month. Interest Distribution Amount: The sum of the Class A, Class M-1, Class M-2, Class M-3 and Class B Interest Distribution Amounts. Interim Certificates: As defined in Section 2.02. Late Collections: With respect to any Mortgage Loan, all amounts received during any Due Period, whether as late payments of Monthly Payments or as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late payments or collections of Monthly Payments due but delinquent for a previous Due Period and not previously recovered. Liquidation Proceeds: Amounts (other than Insurance Proceeds) received by the Master Servicer in connection with the taking of an entire Mortgaged Property by exercise of the power of eminent domain or condemnation or in connection with the liquidation of a defaulted Mortgage Loan through trustee's sale, foreclosure sale or otherwise, other than REO Proceeds. Loan-to-Value Ratio: As of any date, the fraction, expressed as a percentage, the numerator of which is the current principal balance of the related Mortgage Loan at the date of determination and the denominator of which is the Appraised Value of the related Mortgaged Property. Marker Rate: With respect to the Class SB Certificates and any Distribution Date, a per annum rate equal to two (2) times the weighted average of the Uncertificated REMIC II Pass-Through Rates for REMIC II Regular Interest MT-2, REMIC II Regular Interest MT-3, REMIC I Regular Interest MT-4, REMIC II Regular Interest MT-5, REMIC II Regular Interest MT-6, REMIC II Regular Interest MT-7, REMIC II Regular Interest MT-8, REMIC II Regular Interest MT- 9, REMIC II Regular Interest MT-10 and REMIC II Regular Interest MT-11, with the rate on REMIC II Regular Interest MT-2 subject to a cap equal to the lesser of (A) 4.66% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, with the rate on REMIC II Regular Interest MT-3 -20- subject to a cap equal to the lesser of (A) 5.01% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, with the rate on REMIC II Regular Interest MT-4 subject to a cap equal to the lesser of (A) 5.42% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, with the rate on REMIC II Regular Interest MT-5 subject to a cap equal to the lesser of (A) 6.13% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, with the rate on REMIC II Regular Interest MT-6 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.70% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.20% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, with the rate on REMIC II Regular Interest MT-7 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.63% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.13% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, with the rate on REMIC II Regular Interest MT-8 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.88% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.38% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, with the rate on REMIC II Regular Interest MT-9 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 7.22% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.72% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, with the rate on REMIC II Regular Interest MT-10 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 8.50% per annum, and in the case of any Distribution Date after the Step-Up Date, 9.00% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, and with the rate on REMIC II Regular Interest MT-11 subject to a cap of zero for the purpose of this calculation. Maturity Date: With respect to each Class of Certificates of regular interest or Uncertificated Regular Interest issued by each of REMIC I, REMIC II and REMIC III, the latest possible maturity date, solely for purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, by which the Certificate Principal Balance of each such Class of Certificates representing a regular interest in the Trust Fund would be reduced to zero, which is, for each such regular interest other than the Class A-IO Certificates, August 25, 2031, which is the 360th Distribution Date, and which is for the Class A-IO Certificates, February 25, 2004. MERS: Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto. MERS(R) System: The system of recording transfers of Mortgages electronically maintained by MERS. MIN: The Mortgage Identification Number for Mortgage Loans registered with MERS on the MERS(R)System. -21- Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a Servicing Modification. Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject of a Servicing Modification, the Net Mortgage Rate minus the rate per annum by which the Mortgage Rate on such Mortgage Loan was reduced. MOM Loan: With respect to any Mortgage Loan, MERS acting as the mortgagee of such Mortgage Loan, solely as nominee for the originator of such Mortgage Loan and its successors and assigns, at the origination thereof. Monthly Payment: With respect to any Mortgage Loan (including any REO Property) and the Due Date in any Due Period, the payment of principal and interest due thereon in accordance with the amortization schedule at the time applicable thereto (after adjustment, if any, for Curtailments 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 and before any Servicing Modification that constitutes a reduction of the interest rate on such Mortgage Loan). Moody's: Moody's Investors Service, Inc., or its successor in interest. Mortgage: With respect to each Mortgage Note related to a Mortgage Loan, the mortgage, deed of trust or other comparable instrument creating a first or junior lien on an estate in fee simple or leasehold interest in real property securing a Mortgage Note. Mortgage File: The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement. Mortgage Loans: Such of the mortgage loans transferred and assigned to the Trustee pursuant to Section 2.01 as from time to time are held or deemed to be held as a part of the Trust Fund, the Mortgage Loans originally so held being identified in the initial Mortgage Loan Schedule attached hereto as Exhibit F, and Qualified Substitute Mortgage Loans held or deemed held as part of the Trust Fund including, without limitation, each related Mortgage Note, Mortgage and Mortgage File and all rights appertaining thereto. Mortgage Loan Schedule: The lists of the Mortgage Loans attached hereto as Exhibit F (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which lists shall set forth at a minimum the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) [reserved]; -22- (iii) the maturity of the Mortgage Note ("MATURITY DATE", or "MATURITY DT" for Mortgage Loans and if such Mortgage Loan is a Balloon Loan, the amortization term thereof; (iv) the Mortgage Rate as of the Cut-off Date ("ORIG RATE") (v) the Mortgage Rate as of the Cut-off Date for an adjustable rate Mortgage Loan ("CURR RATE"); (vi) the Net Mortgage Rate as of the Cut-off Date ("CURR NET"); (vii) the scheduled monthly payment of principal, if any, and interest as of the Cut- off Date ("ORIGINAL P & I" or "CURRENT P & I" for the adjustable rate Mortgage Loans); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) a code "T", "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence (the absence of any such code means the Mortgage Loan is secured by a primary residence); and (xi) a code "N" under the column "OCCP CODE", indicating that the Mortgage Loan is secured by a non-owner occupied residence (the absence of any such code means the Mortgage Loan is secured by an owner occupied residence). Such schedules may consist of multiple reports that collectively set forth all of the information required. Mortgage Note: The originally executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan, together with any modification thereto. Mortgage Rate: As to any Mortgage Loan, the interest rate borne by the related Mortgage Note, or any modification thereto other than a Servicing Modification. The Mortgage Rate on the adjustable rate Mortgage Loans will adjust on each Adjustment Date to equal the sum (rounded to the nearest multiple of one-eighth of one percent (0.125%) or up to the nearest one- eighth of one percent, which are indicated by a "U" on Exhibit F hereto, as applicable. Mortgaged Property: The underlying real property securing a Mortgage Loan. -23- Mortgagor: The obligor on a Mortgage Note. Net Mortgage Rate: With respect to any Mortgage Loan as of any date of determination, a per annum rate equal to the Adjusted Mortgage Rate for such Mortgage Loan as of such date minus the Servicing Fee Rate. Non-Primary Residence Loans: The Mortgage Loans designated as secured by second or vacation residences, or by non-owner occupied residences, on the Mortgage Loan Schedule. Non-United States Person: Any Person other than a United States Person. Nonrecoverable Advance: Any Advance previously made or proposed to be made by the Master Servicer in respect of a Mortgage Loan (other than a Deleted Mortgage Loan) which, in the good faith judgment of the Master Servicer, will not, or, in the case of a proposed Advance, would not, be ultimately recoverable by the Master Servicer from related Late Collections, Insurance Proceeds, Liquidation Proceeds or REO Proceeds. Nonsubserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is not subject to a Subservicing Agreement. Notional Amount: With respect to the Class A-IO Certificates, immediately prior to any Distribution Date, an amount equal to the Uncertificated Notional Amount of REMIC II Regular Interest MT-IO. With respect to the Class SB Certificates, immediately prior to any Distribution Date, the aggregate of the Uncertificated Principal Balances of the REMIC II Regular Interests. Officers' Certificate: A certificate signed by the Chairman of the Board, the President or a Vice President or Assistant Vice President, or a Director or Managing Director, and by the Treasurer, the Secretary, or one of the Assistant Treasurers or Assistant Secretaries of the Depositor or the Master Servicer, as the case may be, and delivered to the Trustee, as required by this Agreement. Opinion of Counsel: A written opinion of counsel acceptable to the Trustee and the Master Servicer, who may be counsel for the Depositor or the Master Servicer, provided that any opinion of counsel (i) referred to in the definition of "Disqualified Organization" or (ii) relating to the qualification of REMIC I, REMIC II or REMIC III as REMICs or compliance with the REMIC Provisions must, unless otherwise specified, be an opinion of Independent counsel. Outstanding Mortgage Loan: As to the Due Date in any Due Period, a Mortgage Loan (including an REO Property) that was not the subject of a Principal Prepayment in Full, Cash Liquidation or REO Disposition and that was not purchased, deleted or substituted for prior to such Due Date pursuant to Section 2.02, 2.03, 2.04 or 4.07. -24- Overcollateralization Amount: With respect to any Distribution Date, the excess, if any, of (a) the aggregate Stated Principal Balances of the Mortgage Loans as of the end of the preceding Due Period, over (b) the aggregate Certificate Principal Balance of the Class A, Class M and Class B Certificates, other than the Class A-IO Certificates, immediately prior to that Distribution Date, less amounts distributable to the Class A, Class M and Class B Certificates, other than the Class A-IO Certificates, from the Principal Remittance Amount for that Distribution Date. Overcollateralization Increase Amount: With respect to (a) the first two Distribution Dates, $0, and (b) any Distribution Date after the first two Distribution Dates, an amount equal to the lesser of (i) the Excess Cash Flow for that Distribution Date and (ii) the excess, if any, of (x) the Required Overcollateralization Amount for that Distribution Date over (y) the Overcollateralization Amount for that Distribution Date. Ownership Interest: As to any Certificate, any ownership or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee. Pass-Through Rate: With respect to the Class A-1 Certificates, the lesser of (A) 4.66% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate; With respect to the Class A-2 Certificates, the lesser of (A) 5.01% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate; With respect to the Class A-3 Certificates, the lesser of (A) 5.42% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate; With respect to the Class A-4 Certificates, the lesser of (A) 6.13% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate; With respect to the Class A-5 Certificates, the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.70% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.20% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate; With respect to the Class A-IO Certificates and each Interest Accrual Period, 100% of the interest on REMIC II Regular Interest MT-IO. -25- With respect to the Class M-1 Certificates, the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.63% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.13% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate; With respect to the Class M-2 Certificates, the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.88% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.38% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate; With respect to the Class M-3 Certificates, the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 7.22% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.72% per annum and (B) the REMIC II Net WAC Rate; and With respect to the Class B Certificates, the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 8.50% per annum, and in the case of any Distribution Date after the Step-Up Date, 9.00% per annum and (B) the REMIC II Net WAC Rate. With respect to the Class SB Certificates and any Distribution Date, a rate per annum equal to the percentage equivalent of a fraction, the numerator of which is the sum of the amounts calculated pursuant to clauses (i) through (xii) below, and the denominator of which is the aggregate principal balance of the REMIC II Regular Interests relating to the Mortgage Loans. For purposes of calculating the Pass-Through Rate for the Class SB Certificates, the numerator is equal to the sum of the following components: (i) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-1 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-1; (ii) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-2 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-2; (iii) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-3 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-3; (iv) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-4 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-4; -26- (v) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-5 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-5; (vi) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-6 minus the Marker Rate applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-6; (vii) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-7 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-7; (viii) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-8 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-8; (ix) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-9 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-9; (x) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-10 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-10; and (xi) the Uncertificated Pass-Through Rate for REMIC II Regular Interest MT-11 minus the Marker Rate, applied to a notional amount equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-11. Paying Agent: The Chase Manhattan Bank or any successor Paying Agent appointed by the Trustee. Percentage Interest: With respect to any Class A Certificate or Class M Certificate, the undivided percentage ownership interest in the related Class evidenced by such Certificate, which percentage ownership interest shall be equal to the Initial Certificate Principal Balance thereof divided by the aggregate Initial Certificate Principal Balance of all of the Certificates of the same Class. The Percentage Interest with respect to a Class SB or Class R Certificate shall be stated on the face thereof. -27- 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) 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 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 short-term rating 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 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+ in the case of Standard & Poor's if Standard & Poor's is a Rating Agency; (iv) commercial paper and demand notes (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 available; provided that such commercial paper and demand notes 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 its highest long-term rating available; and (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency, as evidenced in writing; -28- 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 Fitch 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 the following: A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard & Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch. Permitted Transferee: Any Transferee of a Class R Certificate, other than a Disqualified Organization or Non-United States Person. Person: Any individual, corporation, limited liability company, partnership, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Placement Agent: Bear, Stearns & Co. Inc. or Residential Funding Securities Corporation. Pool Stated Principal Balance: As to any date of determination, the aggregate of the Stated Principal Balances of each Mortgage Loan that was an Outstanding Mortgage Loan on the Due Date immediately preceding the Due Period preceding such date of determination. Prepayment Assumption: With respect to the Class A, Class M and Class B Certificates, the prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on such Certificates for federal income tax purposes, which assumes a constant prepayment rate of 4% per annum of the then outstanding principal balance of the Mortgage Loans in the first month of the life of the Mortgage Loans, and an additional approximate 1.6364% per annum in each month thereafter until the twelfth month, and then beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 22.0% per annum each month. Prepayment Interest Shortfall: As to any Distribution Date and any Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was the subject of (a) a Principal Prepayment in Full during the related Prepayment Period, an amount equal to the excess of one month's interest at the related Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the Stated Principal Balance of such Mortgage Loan over the amount of interest (adjusted to the related Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) paid by the Mortgagor for such Prepayment Period to the date of such Principal Prepayment in Full or (b) a Curtailment during the prior calendar month, an amount equal to one month's interest at the related Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount of such Curtailment. -29- Prepayment Period: As to any Distribution Date, the calendar month preceding the month of distribution. Primary Insurance Policy: Each primary policy of mortgage guaranty insurance as indicated on Exhibit F with the exception of either code "23" or "96" under the column "MI CO CODE." Principal Distribution Amount: With respect to any Distribution Date, the lesser of (a) the excess of (i) the Available Distribution Amount over (ii) the Interest Distribution Amount and (b) the sum of: (i) the principal portion of each Monthly Payment received or Advanced with respect to the related Due Period on each Outstanding Mortgage Loan; (ii) the Stated Principal Balance of any Mortgage Loan repurchased during the related Prepayment Period (or deemed to have been so repurchased in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04 or 4.07 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan pursuant to Section 2.03 or 2.04 during the related Prepayment Period; (iii) the principal portion of all other unscheduled collections on the Mortgage Loans (including, without limitation, Principal Prepayments in Full, Curtailments, Insurance Proceeds, Liquidation Proceeds and REO Proceeds) received during the related Prepayment Period (or deemed to have been so received) to the extent applied by the Master Servicer as recoveries of principal of the Mortgage Loans pursuant to Section 3.14; (iv) the lesser of (a) the Excess Cash Flow for such Distribution Date and (b) the principal portion of any Realized Losses (other than Excess Losses) incurred (or deemed to have been incurred) on any Mortgage Loans in the calendar month preceding such Distribution Date; and (v) the lesser of (a) the Excess Cash Flow for such Distribution Date (to the extent not used to cover Realized Losses pursuant to clause (iv) of this definition) and (b) the amount of any Overcollateralization Increase Amount for such Distribution Date. Principal Prepayment: Any payment of principal or other recovery on a Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds or Insurance Proceeds, which is received in advance of its scheduled Due Date and is not accompanied by an amount as to interest representing scheduled interest on such payment due on any date or dates in any month or months subsequent to the month of prepayment. -30- Principal Prepayment in Full: Any Principal Prepayment made by a Mortgagor of the entire principal balance of a Mortgage Loan. Principal Remittance Amount: With respect to any Distribution Date, the sum of the amounts described in clauses (i), (ii) and (iii) of the definition of Principal Distribution Amount for that Distribution Date. Program Guide: The Residential Funding Seller Guide for mortgage collateral sellers that participate in Residential Funding's standard mortgage programs, and Residential Funding's Servicing Guide and any other subservicing arrangements which Residential Funding has arranged to accommodate the servicing of the Mortgage Loans. Purchase Price: With respect to any Mortgage Loan (or REO Property) required to be or otherwise purchased on any date pursuant to Section 2.02, 2.03, 2.04 or 4.07, an amount equal to the sum of (i) 100% of the Stated Principal Balance thereof plus the principal portion of any related unreimbursed Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) in the case of a purchase made by the Master Servicer) on the Stated Principal Balance thereof to the first day of the month following the month of purchase from the Due Date to which interest was last paid by the Mortgagor. Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by Residential Funding or the Depositor for a Deleted Mortgage Loan which must, on the date of such substitution, as confirmed in an Officers' Certificate delivered to the 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 Mortgage Loan for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after such deduction), not in excess of the Stated Principal Balance of the Deleted Mortgage Loan (the amount of any shortfall to be deposited by Residential Funding, in the Custodial Account in the month of substitution); (ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per annum higher than the Mortgage Rate and Net Mortgage Rate, respectively, of the Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value Ratio at the time of substitution no higher than that of the Deleted Mortgage Loan at the time of substitution; (iv) have a remaining term to stated maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan; and (v) comply with each representation and warranty set forth in Sections 2.03 and 2.04 hereof and Section 4 of the Assignment Agreement. Rating Agency: Standard & Poor's, Fitch and Moody's. If any agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Depositor, notice of which designation shall be given to the Trustee and the Master Servicer. -31- Realized Loss: With respect to each Mortgage Loan (or REO Property) as to which a Cash Liquidation or REO Disposition has occurred, an amount (not less than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan (or REO Property) as of the date of Cash Liquidation or REO Disposition, plus (ii) interest (and REO Imputed Interest, if any) at the Net Mortgage Rate from the Due Date as to which interest was last paid or advanced to Certificateholders up to the last day of the month in which the Cash Liquidation (or REO Disposition) occurred on the Stated Principal Balance of such Mortgage Loan (or REO Property) outstanding during each Due Period that such interest was not paid or advanced, minus (iii) the proceeds, if any, received during the month in which such Cash Liquidation (or REO Disposition) occurred, to the extent applied as recoveries of interest at the Net Mortgage Rate and to principal of the Mortgage Loan, net of the portion thereof reimbursable to the Master Servicer or any Subservicer with respect to related Advances or expenses as to which the Master Servicer or Subservicer is entitled to reimbursement thereunder but which have not been previously reimbursed. With respect to each Mortgage Loan which is the subject of a Servicing Modification, (a) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced, and (b) any such amount with respect to a Monthly Payment that was or would have been due in the month immediately following the month in which a Principal Prepayment or the Purchase Price of such Mortgage Loan is received or is deemed to have been received. With respect to each Mortgage Loan which has become the subject of a Deficient Valuation, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation. With respect to each Mortgage Loan which has become the object of a Debt Service Reduction, the amount of such Debt Service Reduction. Notwithstanding the above, neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Realized Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. Record Date: With respect to each Distribution Date, the close of business on the last Business Day of the month next preceding the month in which the related Distribution Date occurs. Regular Certificates: The Certificates other than the Class R Certificates. Regular Interest: Any one of the REMIC regular interests in the Trust Fund. Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as amended. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. -32- REMIC Administrator: Residential Funding Corporation. If Residential Funding Corporation is found by a court of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under this Agreement the Master Servicer or Trustee acting as Master Servicer shall appoint a successor REMIC Administrator, subject to assumption of the REMIC Administrator obligations under this Agreement. REMIC I: The segregated pool of assets subject hereto (exclusive of the Reserve Fund, which is not an asset of any REMIC), constituting a portion of the primary trust created hereby and to be administered hereunder, with respect to which a separate REMIC election is to be made (other than with respect to the items in clause (v) and the proceeds thereof), consisting of: (i) the Mortgage Loans and the related Mortgage Files; (ii) all payments on and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in August 2001) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund; (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure; (iv) the hazard insurance policies and Primary Insurance Policy pertaining to the Mortgage Loans, if any; and (v) all proceeds of clauses (i) through (iv) above. REMIC I Net WAC Rate: With respect to any Distribution Date, a per annum rate equal to the weighted average of the related Pass-Through Rates on the REMIC I Regular Interests, weighted on the basis of the respective Uncertificated Principal Balances thereof immediately preceding such Distribution Date. REMIC I Regular Interests: REMIC I Regular Interest LT-1, REMIC I Regular Interest LT-2, REMIC I Regular Interest LT-3, REMIC I Regular Interest LT-4, REMIC I Regular Interest LT-5 and REMIC I Regular Interest LT-6. REMIC I Regular Interest LT-1: A regular interest in REMIC I that is held as an asset of REMIC II, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC I Pass-Through Rate, and that has such other terms as are described herein. REMIC I Regular Interest LT-2: A regular interest in REMIC I that is held as an asset of REMIC II, that has an initial principal balance equal to the related Uncertificated Principal -33- Balance, that bears interest at the related Uncertificated REMIC I Pass-Through Rate, and that has such other terms as are described herein. REMIC I Regular Interest LT-3: A regular interest in REMIC I that is held as an asset of REMIC II, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC I Pass-Through Rate, and that has such other terms as are described herein. REMIC I Regular Interest LT-4: A regular interest in REMIC I that is held as an asset of REMIC II, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC I Pass-Through Rate, and that has such other terms as are described herein. REMIC I Regular Interest LT-5: A regular interest in REMIC I that is held as an asset of REMIC II, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC I Pass-Through Rate, and that has such other terms as are described herein. REMIC I Regular Interest LT-6: A regular interest in REMIC I that is held as an asset of REMIC II, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC I Pass-Through Rate, and that has such other terms as are described herein. REMIC II: The segregated pool of assets subject hereto (exclusive of the Reserve Fund, which is not an asset of any REMIC), constituting a portion of the primary trust created hereby and to be administered hereunder, with respect to which a separate REMIC election is to be made, consisting of the REMIC I Regular Interests. REMIC II Interest Loss Allocation Amount: With respect to any Distribution Date, an amount equal to (a) the product of (i) the aggregate Stated Principal Balance of the Mortgage Loans then outstanding and (ii) the Uncertificated Pass-Through Rate for REMIC II Regular Interest LT-1 minus the Marker Rate, divided by (b) 12. REMIC II Net WAC Rate: With respect to any Distribution Date, a per annum rate equal to the weighted average of the related Uncertificated REMIC II Pass-Through Rates on the REMIC II Regular Interests (other than REMIC II Regular Interest MT-IO), weighted on the basis of the respective Uncertificated Principal Balances thereof immediately preceding such Distribution Date. REMIC II Overcollateralization Amount: With respect to any date of determination, the excess, if any, of (i) 1% of the aggregate Uncertificated Principal Balances of the REMIC II Regular Interests over (ii) the Uncertificated Principal Balances of REMIC II Regular Interests MT- 2, MT-3, MT-4, MT-5, MT-6, MT-7, MT-8, MT-9 and MT-10, in each case as of such date of determination. REMIC II Principal Loss Allocation Amount: With respect to any Distribution Date, an amount equal to the product of (i) the aggregate Stated Principal Balance of the Mortgage Loans then outstanding and (ii) 1 minus a fraction, the numerator of which is two times the Uncertificated Principal Balances of REMIC II Regular Interests MT-2, MT-3, MT-4, MT-5, MT-6, MT-7, MT-8, MT-9 and MT-10, and the denominator of which is the sum of the Uncertificated Principal Balances of REMIC II Regular Interests MT-2, MT-3, MT-4, MT-5, MT-6, MT-7, MT-8, MT-9, MT-10 and MT-11. REMIC II Regular Interest MT-IO: A regular interest that is held as an asset of REMIC II that has an initial notional amount equal to the related Uncertificated Notional Amount, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-1: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-2: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-3: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-4: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-5: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-6: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal -34- Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-7: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-8: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-9: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-10: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interest MT-11: A regular interest in REMIC II that is held as an asset of REMIC III, that has an initial principal balance equal to the related Uncertificated Principal Balance, that bears interest at the related Uncertificated REMIC II Pass-Through Rate, and that has such other terms as are described herein. REMIC II Regular Interests: REMIC II Regular Interests MT-IO, MT-1, MT-2, MT- 3, MT-4, MT-5, MT-6, MT-7, MT-8, MT-9, MT-10 and MT-11. REMIC II Regular Interest MT-11 Maximum Interest Deferral Amount: With respect to any Distribution Date, the excess of (i) Uncertificated Accrued Interest at the Uncertificated REMIC II Pass-Through Rate applicable to REMIC II Regular Interest MT-11 for such Distribution Date on a balance equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-11 minus the REMIC II Overcollateralization Amount, in each case for such Distribution Date, over (ii) Uncertificated Accrued Interest on REMIC II Regular Interest MT-2 with the rate on REMIC II Regular Interest MT-2 subject to a cap equal to the lesser of (A) 4.66% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, Uncertificated Accrued Interest on REMIC II Regular Interest MT-3 with the rate on REMIC II Regular Interest MT-3 subject to a cap equal to the lesser of (A) 5.01% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, Uncertificated Accrued Interest on REMIC II Regular Interest MT-4 with the rate on REMIC II -35- Regular Interest MT-4 subject to a cap equal to the lesser of (A) 6.13% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, Uncertificated Accrued Interest on REMIC II Regular Interest MT-5 with the rate on REMIC II Regular Interest MT-5 subject to a cap equal to the lesser of (A) 5.42% per annum and (B) from the September 2001 Distribution Date through the February 2004 Distribution Date, the REMIC II Net WAC Rate for the purpose of this calculation, Uncertificated Accrued Interest on REMIC II Regular Interest MT-6 with the rate on REMIC II Regular Interest MT-6 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.70% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.20% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, Uncertificated Accrued Interest on REMIC II Regular Interest MT-7 with the rate on REMIC II Regular Interest MT-7 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.63% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.13% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, Uncertificated Accrued Interest on REMIC II Regular Interest MT-8 with the rate on REMIC II Regular Interest MT-8 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 6.88% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.38% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, Uncertificated Accrued Interest on REMIC II Regular Interest MT-9 with the rate on REMIC II Regular Interest MT-9 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 7.22% per annum, and in the case of any Distribution Date after the Step-Up Date, 7.72% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation, and Uncertificated Accrued Interest on REMIC II Regular Interest MT-10 with the rate on REMIC II Regular Interest MT-10 subject to a cap equal to the lesser of (A) in the case of any Distribution Date up to and including the Step-Up Date, 8.50% per annum, and in the case of any Distribution Date after the Step-Up Date, 9.00% per annum and (B) the REMIC II Net WAC Rate for purposes of this calculation. REMIC II Required Overcollateralization Amount: 1% of the Required Overcollateralization Amount. REMIC III: The segregated pool of assets subject hereto (exclusive of the Reserve Fund, which is not an asset of any REMIC), constituting a portion of the primary trust created hereby and to be administered hereunder, with respect to which a separate REMIC election is to be made, consisting of the REMIC II Regular Interests. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Sections 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and temporary and final regulations (or, to the extent not inconsistent with such temporary or final regulations, proposed regulations) and published rulings, notices and announcements promulgated thereunder, as the foregoing may be in effect from time to time. REO Acquisition: The acquisition by the Master Servicer on behalf of the Trustee for the benefit of the Certificateholders of any REO Property pursuant to Section 3.14. -36- REO Disposition: As to any REO Property, a determination by the Master Servicer that it has received substantially all Insurance Proceeds, Liquidation Proceeds, REO Proceeds and other payments and recoveries (including proceeds of a final sale) which the Master Servicer expects to be finally recoverable from the sale or other disposition of the REO Property. REO Imputed Interest: As to any REO Property, for any period, an amount equivalent to interest (at a rate equal to the sum of the Net Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of acquisition thereof for such period. REO Proceeds: Proceeds, net of expenses, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property) which proceeds are required to be deposited into the Custodial Account only upon the related REO Disposition. REO Property: A Mortgaged Property acquired by the Master Servicer through foreclosure or deed in lieu of foreclosure in connection with a defaulted Mortgage Loan. Repurchase Event: As defined in the Assignment Agreement. Request for Release: A request for release, the forms of which are attached as Exhibit G hereto, or an electronic request in a form acceptable to the Custodian. Required Insurance Policy: With respect to any Mortgage Loan, any insurance policy which is required to be maintained from time to time under this Agreement, the Program Guide or the related Subservicing Agreement in respect of such Mortgage Loan. Required Overcollateralization Amount: $1,075,000.00. Reserve Fund: An "outside reserve fund" within the meaning of Treasury regulation Section 1.860G-2(h), which is not an asset of any REMIC, ownership of which is evidenced by the Class B Certificates, and which is established and maintained pursuant to Section 4.08. Reserve Fund Deposit: With respect to the Reserve Fund, an amount equal to $95,000, which the Trustee shall deposit into the Trust Fund pursuant to Section 4.08 hereof. Reserve Fund Residual Right: The right to distributions from the Reserve Fund as described in Section 4.08 hereof. Residential Funding: Residential Funding Corporation, a Delaware corporation, in its capacity as seller of the Mortgage Loans to the Depositor and any successor thereto. -37- Responsible Officer: When used with respect to the Trustee, any officer of the Corporate Trust Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers to whom, with respect to a particular matter, such matter is referred. Servicing Accounts: The account or accounts created and maintained pursuant to Section 3.08. Servicing Advances: All customary, reasonable and necessary "out of pocket" costs and expenses incurred in connection with a default, delinquency or other unanticipated event by the Master Servicer in the performance of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of a Mortgaged Property, (ii) any enforcement or judicial proceedings, including foreclosures, including any expenses incurred in relation to any such proceedings that result from the Mortgage Loan being registered on the MERS System, (iii) the management and liquidation of any REO Property and (iv) compliance with the obligations under Sections 3.01, 3.08, 3.12(a) and 3.14, including, if the Master Servicer or any Affiliate of the Master Servicer provides services such as appraisals and brokerage services that are customarily provided by Persons other than servicers of mortgage loans, reasonable compensation for such services. Servicing Fee: With respect to any Mortgage Loan and Distribution Date, the fee payable monthly to the Master Servicer in respect of master servicing compensation that accrues at an annual rate equal to the Servicing Fee Rate multiplied by the Stated Principal Balance of such Mortgage Loan as of the related Due Date in the related Due Period, as may be adjusted pursuant to Section 3.16(e). Servicing Fee Rate: The per annum rate designated on the Mortgage Loan Schedule as the "MSTR SERV FEE," as may be adjusted with respect to successor Master Servicers as provided in Section 7.02. Servicing Modification: Any reduction of the interest rate on or the outstanding principal balance of a Mortgage Loan that is in default or, in the judgment of the Master Servicer, default is reasonably foreseeable pursuant to a modification of such Mortgage Loan in accordance with Section 3.07(a). Servicing Officer: Any officer of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and specimen signature appear on a list of servicing officers furnished to the Trustee by the Master Servicer, as such list may from time to time be amended. Sixty-Plus Delinquency Percentage: With respect to any Distribution Date, the fraction, expressed as a percentage, equal to (x) the aggregate Stated Principal Balance of the Mortgage Loans that are 60 or more days delinquent in payment of principal and interest for that -38- Distribution Date, including Mortgage Loans in foreclosure and REO Properties, over (y) the aggregate Stated Principal Balance of all of the Mortgage Loans immediately preceding that Distribution Date. Special Hazard Amount: As of any Distribution Date, an amount equal to $2,150,012 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated to the Mortgage Loans through Subordination in accordance with Section 4.05 and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the "Adjustment Amount" shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greatest of (i) twice the outstanding principal balance of the Mortgage Loan that has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, (ii) the product of 1.00% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary and (iii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans in any single five-digit California zip code area with the largest amount of Mortgage Loans by aggregate principal balance as of such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans, expressed as a percentage, and the denominator of which is equal to 29.2% (which percentage is equal to the percentage of Mortgage Loans initially secured by Mortgaged Properties located in the State of California) and (ii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the largest Mortgage Loan secured by a Mortgaged Property located in the State of California. The Special Hazard Amount may be further reduced by the Master Servicer (including accelerating the manner in which coverage is reduced) provided that prior to any such reduction, the Master Servicer shall obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to the Class A, Class M and Class B Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency. Special Hazard Loss: Any Realized Loss not in excess of the lesser of the cost of repair or the cost of replacement of a Mortgaged Property suffered by such Mortgaged Property on account of direct physical loss, exclusive of (i) any loss of a type covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property pursuant to Section 3.12(a), except to the extent of the portion of such loss not covered as a result of any coinsurance provision and (ii) any Extraordinary Loss. Standard & Poor's: Standard & Poor's, a division of The McGraw-Hill Companies, or its successor in interest. -39- Startup Date: The day designated as such pursuant to Article X hereof. Stated Principal Balance: With respect to any Mortgage Loan or related REO Property, at any given time, (i) the Cut-off Date Principal Balance of the Mortgage Loan, minus (ii) the sum of (a) the principal portion of the Monthly Payments due with respect to such Mortgage Loan or REO Property during each Due Period ending prior to the most recent Distribution Date which were received or with respect to which an Advance was made, and (b) all Principal Prepayments with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds, Liquidation Proceeds and REO Proceeds, to the extent applied by the Master Servicer as recoveries of principal in accordance with Section 3.14 with respect to such Mortgage Loan or REO Property, in each case which were distributed pursuant to Section 4.02 or 4.03 on any previous Distribution Date, and (c) any Realized Loss allocated to Certificateholders with respect thereto for any previous Distribution Date. Stepdown Date: The later to occur of (x) the Distribution Date in September 2004 and (y) the first Distribution Date on which the aggregate Certificate Principal Balance of the Class M and Class B Certificates immediately prior to that Distribution Date is equal to or greater than 30.00% of the aggregate Stated Principal Balance of the Mortgage Loans as of the end of the preceding Due Period and the Overcollateralization Amount is equal to the Required Overcollateralization Amount. Step-Up Date: Any Distribution Date on or after which the Stated Principal Balance (before giving effect to distributions to be made on such Distribution Date) of the Mortgage Loans is less than 10.00% of the Cut-off Date Balance. Subordination: The provisions described in Section 4.05 relating to the allocation of Realized Losses. Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is subject to a Subservicing Agreement. Subservicer: Any Person with whom the Master Servicer has entered into a Subservicing Agreement and who generally satisfied the requirements set forth in the Program Guide in respect of the qualification of a Subservicer as of the date of its approval as a Subservicer by the Master Servicer. Subservicer Advance: Any delinquent installment of principal and interest on a Mortgage Loan which is advanced by the related Subservicer (net of its Subservicing Fee) pursuant to the Subservicing Agreement. Subservicing Account: An account established by a Subservicer in accordance with Section 3.08. -40- Subservicing Agreement: The written contract between the Master Servicer and any Subservicer relating to servicing and administration of certain Mortgage Loans as provided in Section 3.02, generally in the form of the servicer contract referred to or contained in the Program Guide or in such other form as has been approved by the Master Servicer and the Depositor. Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to the Master Servicer) in respect of subservicing and other compensation that accrues with respect to each Distribution Date at an annual rate designated as "SUBSERV FEE" in Exhibit F. Tax Returns: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of REMIC I, REMIC II and REMIC III due to their classification as REMICs under the REMIC Provisions, together with any and all other information, reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws. Transfer: Any direct or indirect transfer, sale, pledge, hypothecation or other form of assignment of any Ownership Interest in a Certificate. Transferee: Any Person who is acquiring by Transfer any Ownership Interest in a Certificate. Transferor: Any Person who is disposing by Transfer of any Ownership Interest in a Certificate. Trigger Event: A Trigger Event is in effect with respect to any Distribution Date on or after the Stepdown Date if any of the following conditions are met: (i) the three-month average of the Sixty-Plus Delinquency Percentage, as determined on that Distribution Date and the immediately preceding two Distribution Dates, exceeds 8.00%; (ii) if the Distribution Date is occurring before the Distribution Date in September 2005, the aggregate amount of Realized Losses, other than Excess Losses, on the Mortgage Loans since the Cut-off Date exceeds 2.80% of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date; (iii) if the Distribution Date is occurring before the Distribution Date in September 2006, the aggregate amount of Realized Losses, other than Excess Losses, on the Mortgage -41- Loans since the Cut-off Date exceeds 3.00% of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date; or (iv) if the Distribution Date is occurring on or after the Distribution Date in September 2007, the aggregate amount of Realized Losses, other than Excess Losses, on the Mortgage Loans since the Cut-off Date exceeds 3.25% of the aggregate Stated Principal Balance of the Mortgage Loans as of the Cut-off Date. Trust Fund: Collectively, the assets of REMIC I, REMIC II and REMIC III, the Reserve Fund and the Reserve Fund Deposit. 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. Uncertificated Accrued Interest: With respect to any Uncertificated Regular Interest for any Distribution Date, one month's interest at the related Uncertificated Pass-Through Rate for such Distribution Date, accrued on the Uncertificated Principal Balance or Uncertificated Notional Amount, as applicable, immediately prior to such Distribution Date. Uncertificated Accrued Interest for the Uncertificated Regular Interests shall accrue on the basis of a 360-day year consisting of twelve 30-day months. For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC I Regular Interests for any Distribution Date, any Prepayment Interest Shortfalls (to the extent not covered by Compensating Interest) relating to the Mortgage Loans for any Distribution Date shall be allocated first to REMIC I Regular Interest LTA and then to REMIC I Regular Interest LTB, in each case to the extent of one month's interest at the then applicable respective Uncertificated REMIC I Pass-Through Rate on the respective Uncertificated Principal Balance of each such Uncertificated REMIC I Regular Interest. For purposes of calculating the amount of Uncertificated Accrued Interest for the REMIC II Regular Interests for any Distribution Date, any Prepayment Interest Shortfalls (to the extent not covered by Compensating Interest) relating to the Mortgage Loans for any Distribution Date shall be allocated first, to Uncertificated Accrued Interest payable to REMIC II Regular Interest LT-1 and REMIC II Regular Interest MT-11 up to an aggregate amount equal to the REMIC II Interest Loss Allocation Amount, 98% and 2%, respectively, and thereafter any remaining Prepayment Interest Shortfalls (to the extent not covered by Compensating Interest) relating to the Mortgage Loans for any Distribution Date shall be allocated among REMIC I Regular Interests LT-1, LT-2, LT-3, LT-4, LT-5, LT-6, LT-7, LT-8, LT-9, LT-10 and LT-11, pro rata based on, and to the extent of, Uncertificated Accrued Interest, as calculated without application of this sentence. Uncertificated Notional Amount: With respect to any Distribution Date and REMIC 2 Regular Interest MT-IO, an amount equal to the lesser of (i) the mortgage pool balance and (ii) with respect to any Distribution Date in or before February 2002, the aggregate Uncertificated Principal Balances of REMIC 1 Regular Interest LT-2, REMIC 1 Regular Interest LT-3, REMIC 1 Regular Interest LT-4, REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any Distribution Date after February 2002 and in or before August 2002, the aggregate -42- Uncertificated Principal Balances of REMIC 1 Regular Interest LT-3, REMIC 1 Regular Interest LT- 4, REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any Distribution Date after August 2002 and in or before February 2003, the aggregate Uncertificated Principal Balance of REMIC 1 Regular Interest LT-4, REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any Distribution Date after February 2003 and in or before August 2003, the aggregate Uncertificated Principal Balances of REMIC 1 Regular Interest LT-5 and REMIC 1 Regular Interest LT-6; with respect to any Distribution Date after August 2003 and in or before February 2004, the aggregate Uncertificated Principal Balance of REMIC 1 Regular Interest LT-6. Uncertificated Pass-Through Rate: The Uncertificated REMIC I Pass-Through Rate or Uncertificated REMIC II Pass-Through Rate. Uncertificated Principal Balance: The principal amount of any Uncertificated Regular Interest (other than REMIC II Regular Interest MT-IO) outstanding as of any date of determination. The Uncertificated Principal Balance of REMIC II Regular Interest MT-11 shall be increased by interest deferrals as provided in Section 4.04(b)(2)(i). The Uncertificated Principal Balance of each REMIC Regular Interest shall never be less than zero. REMIC II Regular Interest MT-IO will not have an Uncertificated Principal Balance. Uncertificated REMIC I Pass-Through Rate: With respect to any Distribution Date, a per annum rate equal to the Weighted Average Net Mortgage Rate. Uncertificated REMIC II Pass-Through Rate: (a) With respect to REMIC II Regular Interest MT-1, REMIC II Regular Interest MT- 2, REMIC II Regular Interest MT-3, REMIC II Regular Interest MT-4, REMIC II Regular Interest MT-5, REMIC II Regular Interest MT-6, REMIC II Regular Interest MT-7, REMIC II Regular Interest MT-8, REMIC II Regular Interest MT-9, REMIC II Regular Interest MT-10 and REMIC II Regular Interest MT-11, and any Distribution Date, a per annum rate equal to the Adjusted Net WAC Rate. (b) With respect to REMIC II Regular Interest MT-IO and the first 30 Distribution Dates, 8.00% per annum, and with respect to REMIC II Regular Interest MT-IO and any Distribution Date thereafter, 0.00% per annum. Uncertificated Regular Interests: The REMIC I Regular Interests and the REMIC II Regular Interests. Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies. -43- United States Person: A citizen or resident of the United States, a corporation, partnership or other entity (treated as a corporation or partnership for United States federal income tax purposes) created or organized in, or under the laws of, the United States, any state thereof, or the District of Columbia (except in the case of a partnership, to the extent provided in Treasury regulations) provided that, for purposes solely of the restrictions on the transfer of Class R Certificates, no partnership or other entity treated as a partnership for United States federal income tax purposes shall be treated as a United States Person unless all persons that own an interest in such partnership either directly or through any entity that is not a corporation for United States federal income tax purposes are required by the applicable operative agreement to be United States Persons, or an estate that is described in Section 7701(a)(30)(D) of the Code, or a trust that is described in Section 7701(a)(30)(E) of the Code. VA: The Veterans Administration, or its successor. Voting Rights: The portion of the voting rights of all of the Certificates which is allocated to any Certificate. 96.50% of all of the Voting Rights shall be allocated among Holders of the Class A Certificates (other than the Class A-IO Certificates), Class M Certificates and Class B Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates; 1% of all of the Voting Rights shall be allocated among the Holders of the Class A-IO Certificates; 1% of all of the Voting Rights shall be allocated among the Holders of the Class SB Certificates; 0.50%, 0.50% and 0.50% of all of the Voting Rights shall be allocated among the Holders of the Class R-I, Class R-II and Class R-III Certificates, respectively; in each case to be allocated among the Certificates of such Class in accordance with their respective Percentage Interest. Weighted Average Net Mortgage Rate: With respect to any Distribution Date, a per annum rate equal to the weighted average of the Net Mortgage Rates (or, if applicable, the Modified Net Mortgage Rates) on the Mortgage Loans, weighted on the basis of the respective Stated Principal Balances thereof immediately preceding such Distribution Date. -44- ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (a) The Depositor, concurrently with the execution and delivery hereof, does hereby assign to the Trustee without recourse all the right, title and interest of the Depositor in and to (i) the Mortgage Loans, including all interest and principal received on or with respect to the Mortgage Loans after the Cut-off Date (other than payments of principal and interest due on the Mortgage Loans in the month of August 2001); (ii) the Reserve Fund Deposit and (iii) all proceeds of the foregoing. (b) In connection with such assignment, and contemporaneously with the delivery of this Agreement, except as set forth in Section 2.01(c) below, the Depositor does hereby deliver to, and deposit with, the Trustee, or to and with one or more Custodians, as the duly appointed agent or agents of the Trustee for such purpose, the following documents or instruments (or copies thereof as permitted by this Section) with respect to each Mortgage Loan so assigned: (i) The original Mortgage Note, endorsed without recourse to the order of the Trustee and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Person stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) The original Mortgage, noting the presence of the MIN of the Mortgage Loan and language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, 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 with evidence of recording indicated thereon; (iii) Unless the Mortgage Loan is registered on the MERS(R) System, the assignment (which may be included in one or more blanket assignments if permitted by applicable law) of the Mortgage to the Trustee with evidence of recording indicated thereon or a copy of such assignment with evidence of recording indicated thereon; (iv) The original recorded assignment or assignments of the Mortgage showing an unbroken chain of title from the originator to the Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS(R) System and noting the presence of a MIN) with evidence of recordation noted thereon or attached thereto, or a copy of such assignment or assignments of the Mortgage with evidence of recording indicated thereon; and -45- (v) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Mortgage Loan, or a copy of each modification, assumption agreement or preferred loan agreement; (c) The Depositor may, in lieu of delivering the documents set forth in Section 2.01(b)(iv) and (v) to the Trustee or the Custodian or Custodians, deliver such documents to the Master Servicer, and the Master Servicer shall hold such documents in trust for the use and benefit of all present and future Certificateholders until such time as is set forth below. Within thirty Business Days following the earlier of (i) the receipt of the original of all of the documents or instruments set forth in Section 2.01(b)(iv) and (v) (or copies thereof as permitted by such Section) for any Mortgage Loan and (ii) a written request by the Trustee to deliver those documents with respect to any or all of the Mortgage Loans then being held by the Master Servicer, the Master Servicer shall deliver a complete set of such documents to the Trustee or the Custodian or Custodians that are the duly appointed agent or agents of the Trustee. On the Closing Date, the Master Servicer shall certify that it has in its possession an original or copy of each of the documents referred to in Section 2.01(b)(iv) and (v) which has been delivered to it by the Depositor. (d) In connection with any Mortgage Loan, if the Depositor cannot deliver the Mortgage, any assignment, modification, assumption agreement or preferred loan agreement (or copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon concurrently with the execution and delivery of this Agreement because of (i) a delay caused by the public recording office where such Mortgage, assignment, modification, assumption agreement or preferred loan agreement as the case may be, has been delivered for recordation, or (ii) a delay in the receipt of certain information necessary to prepare the related assignments, the Depositor shall deliver or cause to be delivered to the Trustee or the respective Custodian a copy of such Mortgage, assignment, modification, assumption agreement or preferred loan agreement. The Depositor shall promptly cause to be recorded in the appropriate public office for real property records the Assignment referred to in clause(iii) of Section 2.01(b), except (a) in states where, in the opinion of counsel acceptable to the Trustee and the Master Servicer, such recording is not required to protect the Trustee's interests in the Mortgage Loan or (b) if MERS is identified on the Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee of record solely as nominee for Residential Funding and its successors and assigns. If any Assignment, Form UCC-3 or Form UCC-1, as applicable, is lost or returned unrecorded to the Depositor because of any defect therein, the Depositor shall prepare a substitute Assignment, Form UCC-3 or Form UCC-1, as applicable, or cure such defect, as the case may be, and cause such Assignment to be recorded in accordance with this paragraph. The Depositor shall promptly deliver or cause to be delivered to the Trustee or the respective Custodian such Mortgage or assignment, Form UCC-3 or Form UCC-1, as applicable, (or copy thereof as permitted by Section 2.01(b)) with evidence of recording indicated thereon upon receipt thereof from the public recording office or from the related Subservicer. -46- If the Depositor delivers to the Trustee or Custodian any Mortgage Note or Assignment of Mortgage in blank, the Depositor shall, or shall cause the Custodian to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage in the name of the Trustee in conjunction with the Interim Certification issued by the Custodian, as contemplated by Section 2.02. In connection with the assignment of any Mortgage Loan registered on the MERS(R) System, the Depositor further agrees that it will cause, at the Depositor's own expense, within 30 Business Days after the Closing Date, the MERS(R) System to indicate that such Mortgage Loans have been assigned by the Depositor to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field "Pool Field" which identifies the series of the Certificates issued in connection with such Mortgage Loans. The Depositor further agrees that it will not, and will not permit the Master Servicer to, and the Master Servicer agrees that it will not, alter the codes referenced in this paragraph with respect to any Mortgage Loan during the term of this Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement. (e) It is intended that the conveyances by the Depositor to the Trustee of the Mortgage Loans as provided for in this Section 2.01 be construed as a sale by the Depositor to the Trustee of the Mortgage Loans for the benefit of the Certificateholders. Further, it is not intended that any such conveyance be deemed to be a pledge of the Mortgage Loans by the Depositor to the Trustee to secure a debt or other obligation of the Depositor. However, in the event that the Mortgage Loans are held to be property of the Depositor or of Residential Funding, or if for any reason this Agreement is held or deemed to create a security interest in the Mortgage Loans, then it is intended that (a) this Agreement shall also be deemed to be a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyances provided for in this Section 2.01 shall be deemed to be (1) a grant by the Depositor to the Trustee of a security interest in all of the Depositor's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to (A) the Mortgage Loans, including the related Mortgage Note, the Mortgage, any insurance policies and all other documents in the related Mortgage File, (B) all amounts payable pursuant to the Mortgage Loans in accordance with the terms thereof and (C) any and all general intangibles consisting of, arising from or relating to any of the foregoing, and all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts from time to time held or invested in the Certificate Account or the Custodial Account, whether in the form of cash, instruments, securities or other property and (2) an assignment by the Depositor to the Trustee of any security interest in any and all of Residential Funding's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the property described in the foregoing clauses (1)(A), (B) and (C) granted by Residential Funding to the Depositor pursuant to the Assignment Agreement; (c) the possession by the Trustee, the Custodian or any other agent of the Trustee of Mortgage Notes or such other items of property as constitute instruments, money, negotiable documents or chattel paper shall be deemed to be "possession by the secured party," or possession by a purchaser or a person designated by such secured party, for purposes of perfecting -47- the security interest pursuant to the Minnesota Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction (including, without limitation, Section 9-115, 9-305, 8-102, 8-301, 8-501 and 8-503 thereof); and (d) notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, financial intermediaries, bailees or agents (as applicable) of the Trustee for the purpose of perfecting such security interest under applicable law. The Depositor and, at the Depositor's direction, Residential Funding and the Trustee shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to ensure that, if this Agreement were deemed to create a security interest in the Mortgage Loans and the other property described above, such security interest would be deemed to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement. Without limiting the generality of the foregoing, the Depositor shall prepare and deliver to the Trustee not less than 15 days prior to any filing date and, the Trustee shall forward for filing, or shall cause to be forwarded for filing, at the expense of the Depositor, all filings necessary to maintain the effectiveness of any original filings necessary under the Uniform Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Mortgage Loans as evidenced by an Officers' Certificate of the Depositor, including without limitation (x) continuation statements, and (y) such other statements as may be occasioned by (1) any change of name of Residential Funding, the Depositor or the Trustee (such preparation and filing shall be at the expense of the Trustee, if occasioned by a change in the Trustee's name), (2) any change of location of the place of business or the chief executive office of Residential Funding or the Depositor or (3) any transfer of any interest of Residential Funding or the Depositor in any Mortgage Loan. Section 2.02. Acceptance by Trustee. The Trustee acknowledges receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(b)(i) through (iii) above (except that for purposes of such acknowledgment only, a Mortgage Note may be endorsed in blank and an Assignment of Mortgage may be in blank) and declares that it, or a Custodian as its agent, holds and will hold such documents and the other documents constituting a part of the Mortgage Files delivered to it, or a Custodian as its agent, in trust for the use and benefit of all present and future Certificateholders. The Trustee or Custodian (such Custodian being so obligated under a Custodial Agreement) agrees, for the benefit of Certificateholders, to review each Mortgage File delivered to it pursuant to Section 2.01(b) within 45 days after the Closing Date to ascertain that all required documents (specifically as set forth in Section 2.01(b)), have been executed and received, and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to the Trustee a certificate (the "Interim Certificate") to the effect that all documents required to be delivered pursuant to Section 2.01(b) above have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except for any exceptions listed on Schedule A attached to such Interim Certification. Upon delivery of the Mortgage Files by the Depositor or the Master Servicer, the Trustee shall acknowledge receipt (or, -48- with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(c) above. The Trustee or Custodian (such Custodian being so obligated under a Custodial Agreement) agrees to review each Mortgage File delivered to it pursuant to Section 2.01(c) within 45 days after receipt thereof to ascertain that all documents required to be delivered pursuant to such Section have been received, and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, as supplemented, that have been conveyed to it. If the Custodian, as the Trustee's agent, finds any document or documents constituting a part of a Mortgage File to be missing or defective, the Trustee shall promptly so notify the Master Servicer and the Depositor; provided, that if the Mortgage Loan related to such Mortgage File is listed on Schedule A of the Assignment Agreement, no notification shall be necessary. Pursuant to Section 2.3 of the Custodial Agreement, the Custodian will notify the Master Servicer, the Depositor and the Trustee of any such omission or defect found by it in respect of any Mortgage File held by it. If such omission or defect materially and adversely affects the interests in the related Mortgage Loan of the Certificateholders, the Master Servicer shall promptly notify the related Subservicer of such omission or defect and request that such Subservicer correct or cure such omission or defect within 60 days from the date the Master Servicer was notified of such omission or defect and, if such Subservicer does not correct or cure such omission or defect within such period, that such Subservicer purchase such Mortgage Loan from the Trust Fund at its Purchase Price, in either case within 90 days from the date the Master Servicer was notified of such omission or defect; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered; and provided further, that no cure, substitution or repurchase shall be required if such omission or defect is in respect of a Mortgage Loan listed on Schedule A of the Assignment Agreement. The Purchase Price for any such Mortgage Loan shall be deposited or caused to be deposited by the Master Servicer in the Custodial Account maintained by it pursuant to Section 3.07 and, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Subservicer or its designee, as the case may be, any Mortgage Loan released pursuant hereto and thereafter such Mortgage Loan shall not be part of the Trust Fund. In furtherance of the foregoing, if the Subservicer or Residential Funding that repurchases the Mortgage Loan is not a member of MERS and the Mortgage is registered on the MERS(R) System, the Master Servicer, at its own expense and without any right of reimbursement, shall cause MERS to execute and deliver an assignment of the Mortgage in recordable form to transfer the Mortgage from MERS to such Subservicer or Residential Funding and shall cause such Mortgage to be removed from registration on the MERS(R) System in accordance with MERS' rules and regulations. It is understood and agreed that the obligation of the Subservicer, to so cure or purchase any Mortgage Loan as to which a material and adverse defect in or omission of a constituent document exists shall constitute the sole remedy respecting such defect or omission available to Certificateholders or the Trustee on behalf of Certificateholders. -49- Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Depositor. (a) The Master Servicer hereby represents and warrants to the Trustee for the benefit of the Certificateholders that: (i) The Master Servicer is a corporation duly organized, validly existing and in good standing under the laws 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 Mortgage Loan in accordance with the terms of this Agreement; (ii) The execution and delivery of this Agreement by the Master Servicer and its performance and compliance with the terms of this Agreement will not violate the Master Servicer'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 Master Servicer is a party or which may be applicable to the Master Servicer or any of its assets; (iii) This Agreement, assuming due authorization, execution and delivery by the Trustee and the Depositor, constitutes a valid, legal and binding obligation of the Master Servicer, 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; (iv) The Master Servicer 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 Master Servicer or its properties or might have consequences that would materially adversely affect its performance hereunder; (v) No litigation is pending or, to the best of the Master Servicer's knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement; (vi) The Master Servicer will comply in all material respects in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Required Insurance Policy; -50- (vii) No information, certificate of an officer, statement furnished in writing or report delivered to the Depositor, any Affiliate of the Depositor or the Trustee by the Master Servicer will, to the knowledge of the Master Servicer, contain any untrue statement of a material fact or omit a material fact necessary to make the information, certificate, statement or report not misleading; (viii) The Master Servicer has examined each existing, and will examine each new, Subservicing Agreement and is or will be familiar with the terms thereof. The terms of each existing Subservicing Agreement and each designated Subservicer are acceptable to the Master Servicer and any new Subservicing Agreements will comply with the provisions of Section 3.02; and (ix) The Master Servicer is a member of MERS in good standing, and will comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS. It is understood and agreed that the representations and warranties set forth in this Section 2.03(a) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by either the Depositor, the Master Servicer, the Trustee or any Custodian of a breach of any representation or warranty set forth in this Section 2.03(a) which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). Within 90 days of its discovery or its receipt of notice of such breach, the Master Servicer shall either (i) cure such breach in all material respects or (ii) to the extent that such breach is with respect to a Mortgage Loan or a related document, purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The obligation of the Master Servicer to cure such breach or to so purchase such Mortgage Loan shall constitute the sole remedy in respect of a breach of a representation and warranty set forth in this Section 2.03(a) available to the Certificateholders or the Trustee on behalf of the Certificateholders. (b) The Depositor hereby represents and warrants to the Trustee for the benefit of the Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) The information set forth in Exhibit F hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the respective date or dates which such information is furnished; (ii) Immediately prior to the conveyance of the Mortgage Loans to the Trustee, the Depositor had good title to, and was the sole owner of, each Mortgage Loan free -51- and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such conveyance validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; and (iii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1). It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Depositor, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(iii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Depositor shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Depositor shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure, substitution or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Depositor under the same terms and conditions as provided in Section 2.04 for substitutions by Residential Funding. It is understood and agreed that the obligation of the Depositor to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Depositor shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Residential Funding. The Depositor, as assignee of Residential Funding under the Assignment Agreement, hereby assigns to the Trustee for the benefit of the Certificateholders all of its right, title and interest in respect of the Assignment Agreement applicable to a Mortgage Loan. Insofar as the Assignment Agreement relates to the representations and warranties made by Residential Funding in respect of such Mortgage Loan and any remedies provided thereunder for any breach of such representations and warranties, such right, title and interest may be enforced by the Master Servicer on behalf of the Trustee and the Certificateholders. Upon the discovery by the Depositor, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties made in the Assignment Agreement in respect of any Mortgage Loan or of any Repurchase Event which -52- materially and adversely affects the interests of the Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). The Master Servicer shall promptly notify Residential Funding of such breach or Repurchase Event and request that Residential Funding either (i) cure such breach or Repurchase Event in all material respects within 90 days from the date the Master Servicer was notified of such breach or Repurchase Event or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that, in the case of a breach or Repurchase Event under the Assignment Agreement, Residential Funding shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the breach would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or substitution must occur within 90 days from the date the breach was discovered. In the event that Residential Funding elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, Residential Funding shall deliver to the Trustee for the benefit of the Certificateholders with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, and such other documents and agreements as are required by Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to Residential Funding on the next succeeding Distribution Date. For the month of substitution, distributions to the Certificateholders will include the Monthly Payment due on a Deleted Mortgage Loan for such month and thereafter Residential Funding shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan. The Master Servicer shall amend or cause to be amended the Mortgage Loan Schedule for the benefit of the Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall deliver the amended Mortgage Loan Schedule to the Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing Agreement in all respects, and Residential Funding shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in Section 4 of the Assignment Agreement, as of the date of substitution, and the covenants, representations and warranties set forth in this Section 2.04, and in Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master Servicer shall be obligated to repurchase or substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase Event (as defined in the Assignment Agreement) has occurred pursuant to Section 4 of the Assignment Agreement. In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Certificateholders in the month of substitution). Residential Funding shall deposit the amount of such shortfall into the Custodial -53- Account on the day of substitution, without any reimbursement therefor. Residential Funding shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officers' Certificate as to the calculation of such shortfall and by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) any portion of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC at any time that any Certificate is outstanding. It is understood and agreed that the obligation of the Residential Funding to cure such breach or purchase (or in the case of Residential Funding to substitute for) such Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. If the Master Servicer is Residential Funding, then the Trustee shall also have the right to give the notification and require the purchase or substitution provided for in the second preceding paragraph in the event of such a breach of a representation or warranty made by Residential Funding in the Assignment Agreement. In connection with the purchase of or substitution for any such Mortgage Loan by Residential Funding, the Trustee shall assign to Residential Funding all of the right, title and interest in respect of the Assignment Agreement applicable to such Mortgage Loan. Section 2.05. Execution and Authentication of Certificates; Conveyance of Uncertificated REMIC Regular Interests. (a) The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Depositor executed by an officer of the Depositor, has executed and caused to be authenticated and delivered to or upon the order of the Depositor the Certificates in authorized denominations which evidence ownership of the entire Trust Fund. (b) The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Depositor in and to the REMIC I Regular Interests for the benefit of the Holders of the REMIC II Regular Interests and the Holders of the Class R-II Certificates. The Trustee acknowledges receipt of the REMIC I Regular Interests (which are uncertificated) and declares that it holds and will hold the same in trust for the exclusive use and benefit of the Holders of the REMIC II Regular Interests and Holders of the Class R-II Certificates. The interests evidenced by the Class R-II Certificates, together with the REMIC II Regular Interests, constitute the entire beneficial ownership interest in REMIC II. (c) The Depositor, concurrently with the execution and delivery hereof, does hereby transfer, assign, set over and otherwise convey in trust to the Trustee without recourse all the right, title and interest of the Depositor in and to the REMIC II Regular Interests for the benefit of the -54- holders of the Regular Certificates and the Class R-III Certificates. The Trustee acknowledges receipt of the REMIC II Regular Interests (which are uncertificated) and declares that it holds and will hold the same in trust for the exclusive use and benefit of the holders of the Regular Certificates and the Class R-III Certificates. The interests evidenced by the Class R-III Certificate, together with the Regular Certificates, constitute the entire beneficial ownership interest in REMIC III. (d) In exchange for REMIC II Regular Interests and, concurrently with the assignment to the Trustee thereof, pursuant to the written request of the Depositor executed by an officer of the Depositor, the Trustee has executed, authenticated and delivered to or upon the order of the Depositor, the Regular Certificates in authorized denominations evidencing (together with the Class R-III Certificates) the entire beneficial ownership interest in REMIC III. -55- ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. (a) The Master Servicer shall service and administer the Mortgage Loans in accordance with the terms of this Agreement and the respective Mortgage Loans, following such procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities, and shall have full power and authority, acting alone or through Subservicers as provided in Section 3.02, to do any and all things which it may deem necessary or desirable in connection with such servicing and administration. Without limiting the generality of the foregoing, the Master Servicer in its own name or in the name of a Subservicer is hereby authorized and empowered by the Trustee when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment, to execute and deliver, on behalf of the Certificateholders and the Trustee or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, or of consent to assumption or modification in connection with a proposed conveyance, or of assignment of any Mortgage and Mortgage Note in connection with the repurchase of a Mortgage Loan and all other comparable instruments, or with respect to the modification or re-recording of a Mortgage for the purpose of correcting the Mortgage, the subordination of the lien of the Mortgage in favor of a public utility company or government agency or unit with powers of eminent domain, the taking of a deed in lieu of foreclosure, the completion of judicial or non-judicial foreclosure, the conveyance of a Mortgaged Property to the related insurer, the acquisition of any property acquired by foreclosure or deed in lieu of foreclosure, or the management, marketing and conveyance of any property acquired by foreclosure or deed in lieu of foreclosure with respect to the Mortgage Loans and with respect to the Mortgaged Properties. The Master Servicer further is authorized and empowered by the Trustee, on behalf of the Certificateholders and the Trustee, in its own name or in the name of the Subservicer, when the Master Servicer or the Subservicer, as the case may be, believes it is appropriate in its best judgment to register any Mortgage Loan on the MERS(R) System, or cause the removal from the registration of any Mortgage Loan on the MERS(R) System, to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of assignment and other comparable instruments with respect to such assignment or re-recording of a Mortgage in the name of MERS, solely as nominee for the Trustee and its successors and assigns. Any expenses incurred in connection with the actions described in the preceding sentence shall be borne by the Master Servicer in accordance with Section 3.16(c), with no right of reimbursement; provided, that if, as a result of MERS discontinuing or becoming unable to continue operations in connection with the MERS System, it becomes necessary to remove any Mortgage Loan from registration on the MERS System and to arrange for the assignment of the related Mortgages to the Trustee, then any related expenses shall be reimbursable to the Master Servicer. Notwithstanding the foregoing, subject to Section 3.07(a), the Master Servicer shall not permit any modification with respect to any Mortgage Loan that would both constitute a sale or exchange of such Mortgage Loan within the meaning of Section 1001 of the Code and any proposed, temporary or final regulations promulgated thereunder (other than in connection with a proposed conveyance or assumption of such Mortgage Loan that is treated -56- as a Principal Prepayment in Full pursuant to Section 3.13(d) hereof) and cause any of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC under the Code. The Trustee shall furnish the Master Servicer with any powers of attorney and other documents necessary or appropriate to enable the Master Servicer to service and administer the Mortgage Loans. The Trustee shall not be liable for any action taken by the Master Servicer or any Subservicer pursuant to such powers of attorney. In servicing and administering any Nonsubserviced Mortgage Loan, the Master Servicer shall, to the extent not inconsistent with this Agreement, comply with the Program Guide as if it were the originator of such Mortgage Loan and had retained the servicing rights and obligations in respect thereof. In connection with servicing and administering the Mortgage Loans, the Master Servicer and any Affiliate of the Master Servicer (i) may perform services such as appraisals and brokerage services that are customarily provided by Persons other than servicers of mortgage loans, and shall be entitled to reasonable compensation therefor in accordance with Section 3.10 and (ii) may, at its own discretion and on behalf of the Trustee, obtain credit information in the form of a "credit score" from a credit repository. (b) All costs incurred by the Master Servicer or by Subservicers in effecting the timely payment of taxes and assessments on the properties subject to the Mortgage Loans shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so permit, and such costs shall be recoverable to the extent permitted by Section 3.10(a)(ii). (c) The Master Servicer may enter into one or more agreements in connection with the offering of pass-through certificates evidencing interests in one or more of the Certificates providing for the payment by the Master Servicer of amounts received by the Master Servicer as servicing compensation hereunder and required to cover certain Prepayment Interest Shortfalls on the Mortgage Loans, which payment obligation will thereafter be an obligation of the Master Servicer hereunder. Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' Obligations; Special Servicing. (a) The Master Servicer may continue in effect Subservicing Agreements entered into by Residential Funding and Subservicers prior to the execution and delivery of this Agreement, and may enter into new Subservicing Agreements with Subservicers, for the servicing and administration of all or some of the Mortgage Loans. Each Subservicer shall be either (i) an institution the accounts of which are insured by the FDIC or (ii) another entity that engages in the business of originating or servicing mortgage loans, and in either case shall be authorized to transact business in the state or states in which the related Mortgaged Properties it is to service are situated, if and to the extent required by applicable law to enable the Subservicer to perform its obligations hereunder and under the Subservicing Agreement, and in either case shall be a Freddie Mac, Fannie Mae or HUD approved mortgage servicer. In addition, any Subservicer of a Mortgage Loan insured by the FHA must be an FHA-approved servicer, and any Subservicer of a Mortgage Loan guaranteed by the VA must be a VA-approved servicer. Each Subservicer of a Mortgage Loan shall be entitled to receive and retain, as provided in the related Subservicing Agreement and in Section 3.07, the -57- related Subservicing Fee from payments of interest received on such Mortgage Loan after payment of all amounts required to be remitted to the Master Servicer in respect of such Mortgage Loan. For any Mortgage Loan that is a Nonsubserviced Mortgage Loan, the Master Servicer shall be entitled to receive and retain an amount equal to the Subservicing Fee from payments of interest. Unless the context otherwise requires, references in this Agreement to actions taken or to be taken by the Master Servicer in servicing the Mortgage Loans include actions taken or to be taken by a Subservicer on behalf of the Master Servicer. Each Subservicing Agreement will be upon such terms and conditions as are generally required by, permitted by or consistent with the Program Guide and are not inconsistent with this Agreement and as the Master Servicer and the Subservicer have agreed. With the approval of the Master Servicer, a Subservicer may delegate its servicing obligations to third- party servicers, but such Subservicer will remain obligated under the related Subservicing Agreement. The Master Servicer and a Subservicer may enter into amendments thereto or a different form of Subservicing Agreement, and the form referred to or included in the Program Guide is merely provided for information and shall not be deemed to limit in any respect the discretion of the Master Servicer to modify or enter into different Subservicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of either this Agreement or the Program Guide in a manner which would materially and adversely affect the interests of the Certificateholders. (b) As part of its servicing activities hereunder, the Master Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best 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 and adverse effect on a Mortgage Loan, including, without limitation, the obligation to purchase a Mortgage Loan on account of defective documentation, as described in Section 2.02, or on account of a breach of a representation or warranty, as described in Section 2.04. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements, as appropriate, 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 Master Servicer would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. The Master 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 Mortgage Loan or (ii) from a specific recovery of costs, expenses or attorneys fees against the party against whom such enforcement is directed. Section 3.03. Successor Subservicers. The Master Servicer shall be entitled to terminate any Subservicing Agreement that may exist in accordance with the terms and conditions of such Subservicing Agreement and without any limitation by virtue of this Agreement; provided, however, that in the event of termination of any Subservicing Agreement by the Master Servicer or the Subservicer, the Master Servicer shall either act as servicer of the related Mortgage Loan or enter into a Subservicing Agreement with a successor Subservicer which will be bound by the terms of the related Subservicing Agreement. If the Master Servicer or any Affiliate of Residential Funding acts as servicer, it will not assume liability for the representations and warranties of the Subservicer which it replaces. If the Master Servicer enters -58- into a Subservicing Agreement with a successor Subservicer, the Master Servicer shall use reasonable efforts to have the successor Subservicer assume liability for the representations and warranties made by the terminated Subservicer in respect of the related Mortgage Loans and, in the event of any such assumption by the successor Subservicer, the Master Servicer may, in the exercise of its business judgment, release the terminated Subservicer from liability for such representations and warranties. Section 3.04. Liability of the Master Servicer. Notwithstanding any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Master Servicer or a Subservicer or reference to actions taken through a Subservicer or otherwise, the Master Servicer shall remain obligated and liable to the Trustee and Certificateholders for the servicing and administering of the Mortgage Loans in accordance with the provisions of Section 3.01 without diminution of such obligation or liability by virtue of such Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer or the Depositor and to the same extent and under the same terms and conditions as if the Master Servicer alone were servicing and administering the Mortgage Loans. The Master Servicer shall be entitled to enter into any agreement with a Subservicer for indemnification of the Master Servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification. Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. Any Subservicing Agreement that may be entered into and any other transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such and not as an originator shall be deemed to be between the Subservicer and the Master Servicer alone and the Trustee and Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Subservicer in its capacity as such except as set forth in Section 3.06. The foregoing provision shall not in any way limit a Subservicer's obligation to cure an omission or defect or to repurchase a Mortgage Loan as referred to in Section 2.02 hereof. Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (a) In the event the Master Servicer shall for any reason no longer be the master servicer (including by reason of an Event of Default), the Trustee, its designee or its successor shall thereupon assume all of the rights and obligations of the Master Servicer under each Subservicing Agreement that may have been entered into. The Trustee, its designee or the successor servicer for the Trustee shall be deemed to have assumed all of the Master Servicer's interest therein and to have replaced the Master Servicer as a party to the Subservicing Agreement to the same extent as if the Subservicing Agreement had been assigned to the assuming party except that the Master Servicer shall not thereby be relieved of any liability or obligations under the Subservicing Agreement. -59- (b) The Master Servicer shall, upon request of the Trustee but at the expense of the Master Servicer, deliver to the assuming party all documents and records relating to each Subservicing Agreement and the Mortgage Loans then being serviced and an accounting of amounts collected and held by it and otherwise use its best efforts to effect the orderly and efficient transfer of each Subservicing Agreement to the assuming party. Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (a) The Master Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement and the terms and provisions of any related Primary Insurance Policy, follow such collection procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. Consistent with the foregoing, the Master Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due on a Mortgage Loan in accordance with the Program Guide, provided, however, that the Master Servicer shall first determine that any such waiver or extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. In the event of any such arrangement, the Master Servicer shall make timely advances on the related Mortgage Loan during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements unless otherwise agreed to by the Holders of the Classes of Certificates affected thereby; provided, however, that no such extension shall be made if any advance would be a Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master Servicer may also waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Master Servicer's determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any estimated Realized Loss that might result absent such action), provided, however, that the Master Servicer may not modify materially or permit any Subservicer to modify any Mortgage Loan, including without limitation any modification that would change the Mortgage Rate, forgive the payment of any principal or interest (unless in connection with the liquidation of the related Mortgage Loan or except in connection with prepayments to the extent that such reamortization is not inconsistent with the terms of the Mortgage Loan), or extend the final maturity date of such Mortgage Loan, unless such Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable. In connection with any Curtailment of a Mortgage Loan, the Master Servicer, to the extent not inconsistent with the terms of the Mortgage Note and local law and practice, may permit the Mortgage Loan to be re-amortized such that the Monthly Payment is recalculated as an amount that will fully amortize the remaining Stated Principal Balance thereof by the original Maturity Date based on the original Mortgage Rate; provided, that such reamortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes. -60- (b) The Master Servicer shall establish and maintain a Custodial Account in which the Master Servicer shall deposit or cause to be deposited on a daily basis, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date): (i) All payments on account of principal, including Principal Prepayments made by Mortgagors on the Mortgage Loans and the principal component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (ii) All payments on account of interest at the Adjusted Mortgage Rate on the Mortgage Loans, including the interest component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (iii) Insurance Proceeds and Liquidation Proceeds (net of any related expenses of the Subservicer); (iv) All proceeds of any Mortgage Loans purchased pursuant to Section 2.02, 2.03, 2.04 or 4.07 and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; and (v) Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21. The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections in the nature of prepayment charges or late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may elect to treat such amounts as included in -61- the Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. (c) The Master Servicer shall use its best efforts to cause the institution maintaining the Custodial Account to invest the funds in the Custodial Account attributable to the Mortgage Loans in Permitted Investments which shall mature not later than the Certificate Account Deposit Date next following the date of such investment (with the exception of the Amount Held for Future Distribution) and which shall not be sold or disposed of prior to their maturities. All income and gain realized from any such investment shall be for the benefit of the Master Servicer as additional servicing compensation 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 attributable to the investment of amounts in respect of the Mortgage Loans shall be deposited in the Custodial Account by the Master Servicer out of its own funds immediately as realized. (d) The Master Servicer shall give notice to the Trustee and the Depositor of any change in the location of the Custodial Account and the location of the Certificate Account prior to the use thereof. Section 3.08. Subservicing Accounts; Servicing Accounts. (a) In those cases where a Subservicer is servicing a Mortgage Loan pursuant to a Subservicing Agreement, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to establish and maintain one or more Subservicing Accounts which shall be an Eligible Account or, if such account is not an Eligible Account, shall generally satisfy the requirements of the Program Guide and be otherwise acceptable to the Master Servicer and each Rating Agency. The Subservicer will be required thereby to deposit into the Subservicing Account on a daily basis all proceeds of Mortgage Loans received by the Subservicer, less its Subservicing Fees and unreimbursed advances and expenses, to the extent permitted by the Subservicing Agreement. If the Subservicing Account is not an Eligible Account, the Master Servicer shall be deemed to have received such monies upon receipt thereof by the Subservicer. The Subservicer shall not be required to deposit in the Subservicing Account payments or collections in the nature of prepayment charges or late charges or assumption fees. On or before the date specified in the Program Guide, but in no event later than the Determination Date, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account all funds held in the Subservicing Account with respect to each Mortgage Loan serviced by such Subservicer that are required to be remitted to the Master Servicer. The Subservicer will also be required, pursuant to the Subservicing Agreement, to advance on such scheduled date of remittance amounts equal to any scheduled monthly installments of principal and interest less its Subservicing Fees on any Mortgage Loans for which payment was not received by the Subservicer. This obligation to advance with respect to each Mortgage Loan will continue up to and including the first of the month following the date on which the related Mortgaged Property is sold at a foreclosure sale or is acquired by the Trust Fund by deed in lieu of foreclosure or otherwise. All such advances received by the Master Servicer shall be deposited promptly by it in -62- the Custodial Account. (b) The Subservicer may also be required, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee, if any, accrues in the case of a Modified Mortgage Loan) on any Curtailment received by such Subservicer in respect of a Mortgage Loan from the related Mortgagor during any month that is to be applied by the Subservicer to reduce the unpaid principal balance of the related Mortgage Loan as of the first day of such month, from the date of application of such Curtailment to the first day of the following month. Any amounts paid by a Subservicer pursuant to the preceding sentence shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v). (c) In addition to the Custodial Account and the Certificate Account, the Master Servicer shall for any Nonsubserviced Mortgage Loan, and shall cause the Subservicers for Subserviced Mortgage Loans to, establish and maintain one or more Servicing Accounts and deposit and retain therein all collections from the Mortgagors (or advances from Subservicers) for the payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items for the account of the Mortgagors. Each Servicing Account shall satisfy the requirements for a Subservicing Account and, to the extent permitted by the Program Guide or as is otherwise acceptable to the Master Servicer, may also function as a Subservicing Account. Withdrawals of amounts related to the Mortgage Loans from the Servicing Accounts may be made only to effect timely payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items, to reimburse the Master Servicer or Subservicer out of related collections for any payments made pursuant to Sections 3.11 (with respect to the Primary Insurance Policy) and 3.12(a) (with respect to hazard insurance), to refund to any Mortgagors any sums as may be determined to be overages, to pay interest, if required, to Mortgagors on balances in the Servicing Account or to clear and terminate the Servicing Account at the termination of this Agreement in accordance with Section 9.01 or in accordance with the Program Guide. As part of its servicing duties, the Master Servicer shall, and the Subservicers will, pursuant to the Subservicing Agreements, be required to pay to the Mortgagors interest on funds in this account to the extent required by law. (d) The Master Servicer shall advance the payments referred to in the preceding subsection that are not timely paid by the Mortgagors or advanced by the Subservicers on the date when the tax, premium or other cost for which such payment is intended is due, but the Master Servicer shall be required so to advance only to the extent that such advances, in the good faith judgment of the Master Servicer, will be recoverable by the Master Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. -63- Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. In the event that compliance with this Section 3.09 shall make any Class of Certificates legal for investment by federally insured savings and loan associations, the Master Servicer shall provide, or cause the Subservicers to provide, to the Trustee, the Office of Thrift Supervision or the FDIC and the supervisory agents and examiners thereof access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision, such access being afforded without charge but only upon reasonable request and during normal business hours at the offices designated by the Master Servicer. The Master Servicer shall permit such representatives to photocopy any such documentation and shall provide equipment for that purpose at a charge reasonably approximating the cost of such photocopying to the Master Servicer. Section 3.10. Permitted Withdrawals from the Custodial Account. (a) The Master Servicer may, from time to time as provided herein, make withdrawals from the Custodial Account of amounts on deposit therein pursuant to Section 3.07 that are attributable to the Mortgage Loans for the following purposes: (i) to make deposits into the Certificate Account in the amounts and in the manner provided for in Section 4.01; (ii) to reimburse itself or the related Subservicer for previously unreimbursed advances or expenses made pursuant to Sections 3.01, 3.08, 3.12(a), 3.14 and 4.04 or otherwise reimbursable pursuant to the terms of this Agreement, such withdrawal right being limited to amounts received on particular Mortgage Loans (including, for this purpose, REO Proceeds, Insurance Proceeds, Liquidation Proceeds and proceeds from the purchase of a Mortgage Loan pursuant to Section 2.02, 2.03, 2.04 or 4.07) which represent (A) Late Collections of Monthly Payments for which any such advance was made in the case of Subservicer Advances or Advances pursuant to Section 4.04 and (B) late recoveries of the payments for which such advances were made in the case of Servicing Advances; (iii) to pay to itself or the related Subservicer (if not previously retained by such Subservicer) out of each payment received by the Master Servicer on account of interest on a Mortgage Loan as contemplated by Sections 3.14 and 3.16, an amount equal to that remaining portion of any such payment as to interest (but not in excess of the Servicing Fee and the Subservicing Fee, if not previously retained) which, when deducted, will result in the remaining amount of such interest being interest at a rate per annum equal to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount specified in the amortization schedule of the related Mortgage Loan as the principal balance thereof at the beginning of the period respecting which such interest was paid after giving effect to any previous Curtailments; -64- (iv) to pay to itself as additional servicing compensation any interest or investment income earned on funds deposited in the Custodial Account that it is entitled to withdraw pursuant to Section 3.07(c); (v) to pay to itself as additional servicing compensation any Foreclosure Profits, and any amounts remitted by Subservicers as interest in respect of Curtailments pursuant to Section 3.08(b); (vi) to pay to itself, a Subservicer, Residential Funding, the Depositor or any other appropriate Person, as the case may be, with respect to each Mortgage Loan or property acquired in respect thereof that has been purchased or otherwise transferred pursuant to Section 2.02, 2.03, 2.04, 4.07 or 9.01, all amounts received thereon and not required to be distributed to Certificateholders as of the date on which the related Stated Principal Balance or Purchase Price is determined; (vii) to reimburse itself or the related Subservicer for any Nonrecoverable Advance or Advances in the manner and to the extent provided in subsection (c) below, any Advance made in connection with a modification of a Mortgage Loan that is in default or, in the judgment of the Master Servicer, default is reasonably foreseeable pursuant to Section 3.07(a), to the extent the amount of the Advance has been added to the outstanding principal balance of the Mortgage Loan; (viii) to reimburse itself or the Depositor for expenses incurred by and reimbursable to it or the Depositor pursuant to Section 3.14(c), 6.03, 10.01 or otherwise; (ix) to reimburse itself for amounts expended by it (a) pursuant to Section 3.14 in good faith in connection with the restoration of property damaged by an Uninsured Cause, and (b) in connection with the liquidation of a Mortgage Loan or disposition of an REO Property to the extent not otherwise reimbursed pursuant to clause (ii) or (viii) above; and (x) to withdraw any amount deposited in the Custodial Account that was not required to be deposited therein pursuant to Section 3.07, including any payoff fees or penalties or any other additional amounts payable to the Master Servicer or Subservicer pursuant to the terms of the Mortgage Note. (b) Since, in connection with withdrawals pursuant to clauses (ii), (iii), (v) and (vi), the Master Servicer's entitlement thereto is limited to collections or other recoveries on the related Mortgage Loan, the Master Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any withdrawal from the Custodial Account pursuant to such clauses. -65- (c) The Master Servicer shall be entitled to reimburse itself or the related Subservicer for any advance made in respect of a Mortgage Loan that the Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the Custodial Account of amounts on deposit therein attributable to the Mortgage Loans on any Certificate Account Deposit Date succeeding the date of such determination. Such right of reimbursement in respect of a Nonrecoverable Advance on any such Certificate Account Deposit Date shall be limited to an amount not exceeding the portion of such advance previously paid to Certificateholders (and not theretofore reimbursed to the Master Servicer or the related Subservicer). Section 3.11. Maintenance of Primary Insurance Coverage. (a) The Master Servicer shall not take, or permit any Subservicer to take, any action which would result in noncoverage under any applicable Primary Insurance Policy of any loss which, but for the actions of the Master Servicer or Subservicer, would have been covered thereunder. To the extent coverage is available, the Master Servicer shall keep or cause to be kept in full force and effect each such Primary Insurance Policy until the principal balance of the related Mortgage Loan secured by a Mortgaged Property is reduced to 80% or less of the Appraised Value at origination in the case of such a Mortgage Loan having a Loan-to-Value Ratio at origination in excess of 80%, provided that such Primary Insurance Policy was in place as of the Cut-off Date and the Master Servicer had knowledge of such Primary Insurance Policy. The Master Servicer shall not cancel or refuse to renew any such Primary Insurance Policy applicable to a Nonsubserviced Mortgage Loan, or consent to any Subservicer canceling or refusing to renew any such Primary Insurance Policy applicable to a Mortgage Loan subserviced by it, that is in effect at the date of the initial issuance of the Certificates and is required to be kept in force hereunder unless the replacement Primary Insurance Policy for such canceled or non-renewed policy is maintained with an insurer whose claims-paying ability is acceptable to each Rating Agency for mortgage pass- through certificates having a rating equal to or better than the lower of the then-current rating or the rating assigned to the Certificates as of the Closing Date by such Rating Agency. (b) In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present or to cause the related Subservicer to present, on behalf of the Master Servicer, the Subservicer, if any, the Trustee and Certificateholders, claims to the insurer under any Primary Insurance Policies, in a timely manner in accordance with such policies, and, in this regard, to take or cause to be taken such reasonable action as shall be necessary to permit recovery under any Primary Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section 3.07, any Insurance Proceeds collected by or remitted to the Master Servicer under any Primary Insurance Policies shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (a) The Master Servicer shall cause to be maintained for each Mortgage Loan fire insurance with extended coverage in an amount which is equal to the lesser of the principal balance -66- owing on such Mortgage Loan (together with the principal balance of any mortgage loan secured by a lien that is senior to the Mortgage Loan) or 100 percent of the insurable value of the improvements; 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. To the extent it may do so without breaching the related Subservicing Agreement, the Master Servicer shall replace any Subservicer that does not cause such insurance, to the extent it is available, to be maintained. The Master Servicer shall also cause to be maintained on property acquired upon foreclosure, or deed in lieu of foreclosure, of any Mortgage 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. Pursuant to Section 3.07, any amounts collected by the Master 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 Master Servicer's normal servicing procedures) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any cost incurred by the Master Servicer in maintaining any such insurance shall not, for the purpose of calculating monthly distributions to Certificateholders, be added to the amount owing under the Mortgage Loan, notwithstanding that the terms of the Mortgage Loan so permit. Such costs shall be recoverable by the Master Servicer out of related late payments by the Mortgagor or out of Insurance Proceeds and Liquidation Proceeds to the extent permitted by Section 3.10. It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor or maintained on property acquired in respect of a Mortgage 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. Whenever the improvements securing a Mortgage Loan are located at the time of origination of such Mortgage Loan in a federally designated special flood hazard area, the Master Servicer shall cause flood insurance (to the extent available) to be maintained in respect thereof. Such flood insurance shall be in an amount equal to the lesser of (i) the amount required to compensate for any loss or damage to the Mortgaged Property on a replacement cost basis and (ii) the maximum amount of such insurance available for the related Mortgaged Property under the national flood insurance program (assuming that the area in which such Mortgaged Property is located is participating in such program). In the event that the Master Servicer shall obtain and maintain a blanket fire insurance policy with extended coverage insuring against hazard losses on all of the Mortgage Loans, it shall conclusively be deemed to have satisfied its obligations as set forth in the first sentence of this Section 3.12(a), it being understood and agreed that such policy may contain a deductible clause, in which case the Master 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 3.12(a) and there shall have been a loss which would have been covered by such policy, deposit in the Certificate Account the amount not otherwise payable under the blanket policy because of such deductible clause. Any such deposit by the Master Servicer shall be made on the Certificate Account Deposit Date next preceding the Distribution Date which occurs in the month following the month in which payments under any such policy would have been deposited in the Custodial Account. In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present, on behalf of itself, the Trustee and Certificateholders, claims under any such blanket policy. -67- (b) The Master Servicer shall obtain and maintain at its own expense and keep in full force and effect throughout the term of this Agreement a blanket fidelity bond and an errors and omissions insurance policy covering the Master Servicer's officers and employees and other persons acting on behalf of the Master Servicer in connection with its activities under this Agreement. The amount of coverage shall be at least equal to the coverage that would be required by Fannie Mae or Freddie Mac, whichever is greater, with respect to the Master Servicer if the Master Servicer were servicing and administering the Mortgage Loans for Fannie Mae or Freddie Mac. In the event that any such bond or policy ceases to be in effect, the Master Servicer shall obtain a comparable replacement bond or policy from an issuer or insurer, as the case may be, meeting the requirements, if any, of the Program Guide and acceptable to the Depositor. Coverage of the Master Servicer under a policy or bond obtained by an Affiliate of the Master Servicer and providing the coverage required by this Section 3.12(b) shall satisfy the requirements of this Section 3.12(b). Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (a) When any Mortgaged Property is conveyed by the Mortgagor, the Master Servicer or Subservicer, to the extent it has knowledge of such conveyance, shall enforce any due- on-sale clause contained in any Mortgage Note or Mortgage, to the extent permitted under applicable law and governmental regulations, but only to the extent that such enforcement will not adversely affect or jeopardize coverage under any Required Insurance Policy. Notwithstanding the foregoing: (i) the Master Servicer shall not be deemed to be in default under this Section 3.13(a) by reason of any transfer or assumption which the Master Servicer is restricted by law from preventing; and (ii) if the Master Servicer determines that it is reasonably likely that any Mortgagor will bring, or if any Mortgagor does bring, legal action to declare invalid or otherwise avoid enforcement of a due-on-sale clause contained in any Mortgage Note or Mortgage, the Master Servicer shall not be required to enforce the due-on-sale clause or to contest such action. (b) Subject to the Master Servicer's duty to enforce any due-on-sale clause to the extent set forth in Section 3.13(a), in any case in which a Mortgaged Property is to be conveyed to a Person by a Mortgagor, and such Person is to enter into an assumption or modification agreement or supplement to the Mortgage Note or Mortgage which requires the signature of the Trustee, or if an instrument of release signed by the Trustee is required releasing the Mortgagor from liability on the Mortgage Loan, the Master Servicer is authorized, subject to the requirements of the sentence next following, to execute and deliver, on behalf of the Trustee, the assumption agreement with the Person to whom the Mortgaged Property is to be conveyed and such modification agreement or supplement to the Mortgage Note or Mortgage or other instruments as are reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage or otherwise to comply with any applicable laws regarding assumptions or the transfer of the Mortgaged Property to such Person; provided, however, none of such terms and requirements shall both constitute a "significant modification" -68- effecting an exchange or reissuance of such Mortgage Loan under the Code (or final, temporary or proposed Treasury regulations promulgated thereunder) and cause any of REMIC I, REMIC II or REMIC III to fail to qualify as REMICs under the Code or the imposition of any tax on "prohibited transactions" or "contributions" after the startup date under the REMIC Provisions. The Master Servicer shall execute and deliver such documents only if it reasonably determines that (i) its execution and delivery thereof will not conflict with or violate any terms of this Agreement or cause the unpaid balance and interest on the Mortgage Loan to be uncollectible in whole or in part, (ii) any required consents of insurers under any Required Insurance Policies have been obtained and (iii) subsequent to the closing of the transaction involving the assumption or transfer (A) the Mortgage Loan will continue to be secured by a first mortgage lien (or junior lien of the same priority in relation to any senior mortgage loan, with respect to any Mortgage Loan secured by a junior Mortgage) pursuant to the terms of the Mortgage, (B) such transaction will not adversely affect the coverage under any Required Insurance Policies, (C) the Mortgage Loan will fully amortize over the remaining term thereof, (D) no material term of the Mortgage Loan (including the interest rate on the Mortgage Loan) will be altered nor will the term of the Mortgage Loan be changed and (E) if the seller/transferor of the Mortgaged Property is to be released from liability on the Mortgage Loan, the buyer/transferee of the Mortgaged Property would be qualified to assume the Mortgage Loan based on generally comparable credit quality and such release will not (based on the Master Servicer's or Subservicer's good faith determination) adversely affect the collectability of the Mortgage Loan. Upon receipt of appropriate instructions from the Master Servicer in accordance with the foregoing, the Trustee shall execute any necessary instruments for such assumption or substitution of liability as directed by the Master Servicer. Upon the closing of the transactions contemplated by such documents, the Master Servicer shall cause the originals or true and correct copies of the assumption agreement, the release (if any), or the modification or supplement to the Mortgage Note or Mortgage to be delivered to the Trustee or the Custodian and deposited with the Mortgage File for such Mortgage Loan. Any fee collected by the Master Servicer or such related Subservicer for entering into an assumption or substitution of liability agreement will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (c) The Master Servicer or the related Subservicer, as the case may be, shall be entitled to approve a request from a Mortgagor for a partial release of the related Mortgaged Property, the granting of an easement thereon in favor of another Person, any alteration or demolition of the related Mortgaged Property 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 related Mortgage Loan, that the security for, and the timely and full collectability of, such Mortgage Loan would not be adversely affected thereby and that each of REMIC I, REMIC II or REMIC III would continue to qualify as a REMIC under the Code as a result thereof and that no tax on "prohibited transactions" or "contributions" after the startup day would be imposed on any of REMIC I, REMIC II or REMIC III as a result thereof. Any fee collected by the Master Servicer or the related Subservicer for processing such a request will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (d) Subject to any other applicable terms and conditions of this Agreement, the Trustee and Master Servicer shall be entitled to approve an assignment in lieu of satisfaction with respect to any Mortgage Loan, provided the obligee with respect to such Mortgage Loan following -69- such proposed assignment provides the Trustee and Master Servicer with a "Lender Certification for Assignment of Mortgage Loan" in the form attached hereto as Exhibit M, in form and substance satisfactory to the Trustee and Master Servicer, providing the following: (i) that the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction in which an assignment in lieu of satisfaction is required to preserve lien priority, minimize or avoid mortgage recording taxes or otherwise comply with, or facilitate a refinancing under, the laws of such jurisdiction; (ii) that the substance of the assignment is, and is intended to be, a refinancing of such Mortgage Loan and that the form of the transaction is solely to comply with, or facilitate the transaction under, such local laws; (iii) that the Mortgage Loan following the proposed assignment will have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iv) that such assignment is at the request of the borrower under the related Mortgage Loan. Upon approval of an assignment in lieu of satisfaction with respect to any Mortgage Loan, the Master Servicer shall receive cash in an amount equal to the unpaid principal balance of and accrued interest on such Mortgage Loan and the Master Servicer shall treat such amount as a Principal Prepayment in Full with respect to such Mortgage Loan for all purposes hereof. Section 3.14. Realization Upon Defaulted Mortgage Loans. (a) The Master Servicer shall foreclose upon or otherwise comparably convert (which may include an REO Acquisition) the ownership of properties securing such of the Mortgage Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07. Alternatively, the Master Servicer may take other actions in respect of a defaulted Mortgage Loan, which may include (i) accepting a short sale (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate a sale of the Mortgaged Property by the Mortgagor) or permitting a short refinancing (a payoff of the Mortgage 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), (ii) arranging for a repayment plan or (iii) agreeing to a modification in accordance with Section 3.07. In connection with such foreclosure or other conversion or action, the Master Servicer shall, consistent with Section 3.11, follow such practices and procedures as it shall deem necessary or advisable, 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 Master Servicer shall not be liable in any respect hereunder if the Master Servicer is acting in connection with any such foreclosure or other conversion or action in a manner that is consistent with the provisions of this Agreement. The Master Servicer, however, shall not be required to expend its own funds or incur other reimbursable charges 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 towards the restoration of any property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one or more Classes after reimbursement to itself for such expenses or charges and (ii) that such expenses and charges will be recoverable to it through Liquidation Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have priority for purposes of withdrawals from the Custodial Account pursuant to Section 3.10, whether or not such expenses and charges are actually recoverable from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the event of such a determination by the Master Servicer pursuant to this Section -70- 3.14(a), the Master Servicer shall be entitled to reimbursement of its funds so expended pursuant to Section 3.10. In addition, the Master Servicer may pursue any remedies that may be available in connection with a breach of a representation and warranty with respect to any such Mortgage Loan in accordance with Sections 2.03 and 2.04. However, the Master Servicer is not required to continue to pursue both foreclosure (or similar remedies) with respect to the Mortgage Loans and remedies in connection with a breach of a representation and warranty if the Master Servicer determines in its reasonable discretion that one such remedy is more likely to result in a greater recovery as to the Mortgage Loan. Upon the occurrence of a Cash Liquidation or REO Disposition, following the deposit in the Custodial Account of all Insurance Proceeds, Liquidation Proceeds and other payments and recoveries referred to in the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Master Servicer or its designee, as the case may be, the related Mortgage Loan, and thereafter such Mortgage Loan shall not be part of the Trust Fund. Notwithstanding the foregoing or any other provision of this Agreement, in the Master Servicer's sole discretion with respect to any defaulted Mortgage Loan or REO Property as to either of the following provisions, (i) a Cash Liquidation or REO Disposition may be deemed to have occurred if substantially all amounts expected by the Master Servicer to be received in connection with the related defaulted Mortgage Loan or REO Property have been received, and (ii) for purposes of determining the amount of any Liquidation Proceeds, Insurance Proceeds, REO Proceeds or other unscheduled collections or the amount of any Realized Loss, the Master 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 the related defaulted Mortgage Loan or REO Property. (b) In the event that title to any Mortgaged Property is acquired by the Trust Fund as an REO Property by foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Trustee or to its nominee on behalf of Certificateholders. Notwithstanding any such acquisition of title and cancellation of the related Mortgage Loan, such REO Property shall (except as otherwise expressly provided herein) be considered to be an Outstanding Mortgage Loan held in the Trust Fund until such time as the REO Property shall be sold. Consistent with the foregoing for purposes of all calculations hereunder so long as such REO Property shall be considered to be an Outstanding Mortgage Loan it shall be assumed that, notwithstanding that the indebtedness evidenced by the related Mortgage Note shall have been discharged, such Mortgage Note and the related amortization schedule in effect at the time of any such acquisition of title (after giving effect to any previous Curtailments and before any adjustment thereto by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period) remain in effect. (c) In the event that the Trust Fund acquires any REO Property as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Master Servicer on behalf of the Trust Fund shall dispose of such REO Property within three full years after the -71- taxable year of its acquisition by the Trust Fund for purposes of Section 860G(a)(8) of the Code (or such shorter period as may be necessary under applicable state (including any state in which such property is located) law to maintain the status of each of REMIC I, REMIC II or REMIC III as a REMIC under applicable state law and avoid taxes resulting from such property failing to be foreclosure property under applicable state law) or, at the expense of the Trust Fund, request, more than 60 days before the day on which such grace period would otherwise expire, an extension of such grace period unless the Master Servicer obtains for the Trustee an Opinion of Counsel, addressed to the Trustee and the Master Servicer, to the effect that the holding by the Trust Fund of such REO Property subsequent to such period will not result in the imposition of taxes on "prohibited transactions" as defined in Section 860F of the Code or cause any of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC (for federal (or any applicable State or local) income tax purposes) at any time that any Certificates are outstanding, in which case the Trust Fund may continue to hold such REO Property (subject to any conditions contained in such Opinion of Counsel). The Master Servicer shall be entitled to be reimbursed from the Custodial Account for any costs incurred in obtaining such Opinion of Counsel, as provided in Section 3.10. Notwithstanding any other provision of this Agreement, no REO Property acquired by the Trust Fund shall be rented (or allowed to continue to be rented) or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant to any terms that would (i) cause such REO Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject REMIC I, REMIC II or REMIC III to the imposition of any federal income taxes on the income earned from such REO Property, including any taxes imposed by reason of Section 860G(c) of the Code, unless the Master Servicer has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any such taxes. (d) The proceeds of any Cash Liquidation, REO Disposition or purchase or repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well as any recovery resulting from a collection of Liquidation Proceeds, Insurance Proceeds or REO Proceeds, will be applied in the following order of priority: first, to reimburse the Master Servicer or the related Subservicer in accordance with Section 3.10(a)(ii); second, to the Certificateholders to the extent of accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed Interest, at the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), to the Due Date in the related Due Period prior to the Distribution Date on which such amounts are to be distributed; third, to the Certificateholders as a recovery of principal on the Mortgage Loan (or REO Property) (provided that if any such Class of Certificates to which such Realized Loss was allocated is no longer outstanding, such subsequent recovery shall be distributed to the persons who were the Holders of such Class of Certificates when it was retired); fourth, to the Master Servicer; fifth, to all Servicing Fees and Subservicing Fees payable therefrom (and the Master Servicer and the Subservicer shall have no claims for any deficiencies with respect to such fees which result from the foregoing allocation); and sixth, to Foreclosure Profits. Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Trustee (if it holds the -72- related Mortgage File) or the Custodian by a certification of a Servicing Officer (which certification shall include a statement to the effect that all amounts received or to be received in connection with such payment which are required to be deposited in the Custodial Account pursuant to Section 3.07 have been or will be so deposited), substantially in one of the forms attached hereto as Exhibit G requesting delivery to it of the Mortgage File. Upon receipt of such certification and request, the Trustee shall promptly release, or cause the Custodian to release, the related Mortgage File to the Master Servicer. The Master Servicer is authorized to execute and deliver to the Mortgagor the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, together with the Mortgage Note with, as appropriate, written evidence of cancellation thereon and to cause the removal from the registration on the MERS(R) System of such Mortgage and to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of satisfaction or cancellation or of partial or full release. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Custodial Account or the Certificate Account. (b) From time to time as is appropriate for the servicing or foreclosure of any Mortgage Loan, the Master Servicer shall deliver to the Custodian, with a copy to the Trustee, a certificate of a Servicing Officer substantially in one of the forms attached as Exhibit G hereto, requesting that possession of all, or any document constituting part of, the Mortgage File be released to the Master Servicer and certifying as to the reason for such release and that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan under any Required Insurance Policy. Upon receipt of the foregoing, the Trustee shall deliver, or cause the Custodian to deliver, the Mortgage File or any document therein to the Master Servicer. The Master Servicer shall cause each Mortgage File or any document therein so released to be returned to the Trustee, or the Custodian as agent for the Trustee when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Custodial Account or (ii) the Mortgage File or such document has been delivered directly or through a Subservicer to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered directly or through a Subservicer to the Trustee a certificate of a Servicing Officer certifying as to the name and address of the Person to which such Mortgage File or such document was delivered and the purpose or purposes of such delivery. In the event of the liquidation of a Mortgage Loan, the Trustee shall deliver the Request for Release with respect thereto to the Master Servicer upon deposit of the related Liquidation Proceeds in the Custodial Account. (c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and deliver to the Master Servicer, if necessary, any court pleadings, requests for trustee's sale or other documents necessary to the foreclosure or trustee's sale in respect of a Mortgaged Property or to any legal action brought to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage or to obtain a deficiency judgment, or to enforce any other remedies or rights provided by the Mortgage Note or Mortgage or otherwise available at law or in equity. Together with such documents or pleadings (if signed by the Trustee), the Master Servicer shall deliver to the Trustee a certificate of a Servicing Officer requesting that such pleadings or documents be executed by the Trustee and certifying as to the reason such documents or pleadings are required and that the -73- execution and delivery thereof by the Trustee will not invalidate any insurance coverage under any Required Insurance Policy or invalidate or otherwise affect the lien of the Mortgage, except for the termination of such a lien upon completion of the foreclosure or trustee's sale. Section 3.16. Servicing and Other Compensation; Compensating Interest. (a) The Master Servicer, as compensation for its activities hereunder, shall be entitled to receive on each Distribution Date the amounts provided for by clauses (iii), (iv), (v) and (vi) of Section 3.10(a), subject to clause (e) below. The amount of servicing compensation provided for in such clauses shall be accounted for on a Mortgage Loan-by-Mortgage Loan basis. In the event that Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of a Cash Liquidation or REO Disposition exceed the unpaid principal balance of such Mortgage Loan plus unpaid interest accrued thereon (including REO Imputed Interest) at a per annum rate equal to the related Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), the Master Servicer shall be entitled to retain therefrom and to pay to itself and/or the related Subservicer, any Foreclosure Profits and any Servicing Fee or Subservicing Fee considered to be accrued but unpaid. (b) Additional servicing compensation in the form of prepayment charges, assumption fees, late payment charges, investment income on amounts in the Custodial Account or the Certificate Account or otherwise shall be retained by the Master Servicer or the Subservicer to the extent provided herein, subject to clause (e) below. (c) The Master Servicer shall be required to pay, or cause to be paid, all expenses incurred by it in connection with its servicing activities hereunder (including payment of premiums for the Primary Insurance Policies, if any, to the extent such premiums are not required to be paid by the related Mortgagors, and the fees and expenses of the Trustee and any Custodian) and shall not be entitled to reimbursement therefor except as specifically provided in Sections 3.10 and 3.14. (d) The Master Servicer's right to receive servicing compensation may not be transferred in whole or in part except in connection with the transfer of all of its responsibilities and obligations of the Master Servicer under this Agreement. (e) Notwithstanding clauses (a) and (b) above, the amount of servicing compensation that the Master Servicer shall be entitled to receive for its activities hereunder for the period ending on each Distribution Date shall be reduced (but not below zero) by an amount equal to Compensating Interest (if any) for such Distribution Date. Such reduction shall be applied during such period as follows: first, to any Servicing Fee or Subservicing Fee to which the Master Servicer is entitled pursuant to Section 3.10(a)(iii); second, to any income or gain realized from any investment of funds held in the Custodial Account or the Certificate Account to which the Master Servicer is entitled pursuant to Sections 3.07(c) or 4.01(b), respectively; and third, to any amounts of servicing compensation to which the Master Servicer is entitled pursuant to Section 3.10(a)(v) or (vi). In making such reduction, the Master Servicer will not withdraw from the Custodial Account any such amount representing all or a portion of the Servicing Fee to which it is entitled pursuant -74- to Section 3.10(a)(iii); (ii) will not withdraw from the Custodial Account or Certificate Account any such amount to which it is entitled pursuant to Section 3.07(c) or 4.01(b) and (iii) will not withdraw from the Custodial Account any such amount of servicing compensation to which it is entitled pursuant to Section 3.10(a)(v) or (vi). With respect to any Distribution Date, Compensating Interest shall be used on such Distribution Date to cover any Prepayment Interest Shortfalls on the Mortgage Loans. Section 3.17. Reports to the Trustee and the Depositor. Not later than fifteen days after each Distribution Date, the Master Servicer shall forward to the Trustee and the Depositor a statement, certified by a Servicing Officer, setting forth the status of the Custodial Account as of the close of business on such Distribution Date as it relates to the Mortgage Loans and showing, for the period covered by such statement, the aggregate of deposits in or withdrawals from the Custodial Account in respect of the Mortgage Loans for each category of deposit specified in Section 3.07 and each category of withdrawal specified in Section 3.10. Section 3.18. Annual Statement as to Compliance. The Master Servicer will deliver to the Depositor and the Trustee on or before March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, an Officers' Certificate stating, as to each signer thereof, that (i) a review of the activities of the Master Servicer during the preceding calendar year related to its servicing of mortgage loans and of its performance under the pooling and servicing agreements, including this Agreement, has been made under such officers' supervision, (ii) to the best of such officers' knowledge, based on such review, the Master 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 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 and (iii) to the best of such officers' knowledge, each Subservicer 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 under its Subservicing Agreement in all material respects throughout such year, or if there has been material noncompliance with such servicing standards or a material default in the fulfillment of such obligations relating to this Agreement, specifying 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. Section 3.19. Annual Independent Public Accountants' Servicing Report. On or before March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, the Master Servicer at its expense shall cause a firm of -75- independent public accountants which shall be members of the American Institute of Certified Public Accountants to furnish a report to the Depositor and the Trustee 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 3.18 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 mortgage 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 3.20. Right of the Depositor in Respect of the Master Servicer. The Master Servicer shall afford the Depositor, upon reasonable notice, during normal business hours access to all records maintained by the Master Servicer in respect of its rights and obligations hereunder and access to officers of the Master Servicer responsible for such obligations. Upon request, the Master Servicer shall furnish the Depositor with its most recent financial statements and such other information as the Master Servicer possesses regarding its business, affairs, property and condition, financial or otherwise. The Master Servicer shall also cooperate with all reasonable requests for information including, but not limited to, notices, tapes and copies of files, regarding itself, the Mortgage Loans or the Certificates from any Person or Persons identified by the Depositor or Residential Funding. The Depositor may, but is not obligated to perform, or cause a designee to perform, any defaulted obligation of the Master Servicer hereunder or exercise the rights of the Master Servicer hereunder; provided that the Master Servicer shall not be relieved of any of its obligations hereunder by virtue of such performance by the Depositor or its designee. The Depositor shall not have the responsibility or liability for any action or failure to act by the Master Servicer and is not obligated to supervise the performance of the Master Servicer under this Agreement or otherwise. -76- ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (a) The Master Servicer acting as agent of the Trustee shall establish and maintain a Certificate Account in which the Master Servicer shall cause to be deposited on behalf of the Trustee on or before 2:00 P.M. New York time on each Certificate Account Deposit Date by wire transfer of immediately available funds an amount equal to the sum of (i) any Advance for the immediately succeeding Distribution Date, (ii) any amount required to be deposited in the Certificate Account pursuant to Section 3.12(a), (iii) any amount required to be deposited in the Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount to be deposited in the Reserve Fund pursuant to Section 4.08, (v) any amount required to be paid pursuant to Section 9.01, and (vi) all other amounts constituting the Available Distribution Amount for the immediately succeeding Distribution Date. (b) The Trustee shall, upon written request from the Master Servicer, invest or cause the institution maintaining the Certificate Account to invest the funds in the Certificate Account in Permitted Investments designated in the name of the Trustee for the benefit of the Certificateholders, which shall mature not later than the Business Day next preceding the Distribution Date next following the date of such investment (except that (i) any investment in the institution with which the Certificate Account is maintained may mature on such Distribution Date and (ii) any other investment may mature on such Distribution Date if the Trustee shall advance funds on such Distribution Date to the Certificate Account in the amount payable on such investment on such Distribution Date, pending receipt thereof to the extent necessary to make distributions on the Certificates) 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 Master 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 Certificate Account by the Master Servicer out of its own funds immediately as realized. Section 4.02. Distributions. (a) On each Distribution Date, the Trustee (or the Paying Agent on behalf of the Trustee) shall allocate and distribute the Principal Distribution Amount for such date to the interest issued in respect of REMIC I, REMIC II and REMIC III as specified in this Section. (b) (1) On each Distribution Date, the following amounts, in the following order of priority, shall be distributed by REMIC I to REMIC II on account of the REMIC I Regular Interests: -77- (i) to the extent of the Available Distribution Amount, first, to the Holders of REMIC I Regular Interests MT-2, MT-3, MT-4, MT-5, MT-6, MT-7, MT-8, MT-9, MT-10 and MT--11, in an amount equal to (A) the Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates and second, to Holders of REMIC I Regular Interest LT-1 in an amount equal to (A) the Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates; and (ii) to the Holders of REMIC I Regular Interests, in an amount equal to the remainder of the Available Distribution Amount for such Distribution Date after the distributions made pursuant to clause (i) above, allocated in the following order of priority: (A) to the Holders of REMIC I Regular Interest LT-1, until the Uncertificated Principal Balance of REMIC I Regular Interest LT-1 is reduced to zero; (B) to the Holders of REMIC I Regular Interest LT-2, until the Uncertificated Principal Balance of REMIC I Regular Interest LT-2 is reduced to zero; (C) to the Holders of Uncertificated REMIC 1 Regular Interest LT- 3, until the Uncertificated Principal Balance of Uncertificated REMIC 1 Regular Interest LT-3 is reduced to zero; (D) to the Holders of Uncertificated REMIC 1 Regular Interest LT- 4, until the Uncertificated Principal Balance of Uncertificated REMIC 1 Regular Interest LT-4 is reduced to zero; (E) to the Holders of Uncertificated REMIC 1 Regular Interest LT- 5, until the Uncertificated Principal Balance of Uncertificated REMIC 1 Regular Interest LT-5 is reduced to zero; (F) to the Holders of Uncertificated REMIC 1 Regular Interest LT- 6, until the Uncertificated Principal Balance of Uncertificated REMIC 1 Regular Interest LT-6 is reduced to zero; and (G) any remaining amount to the Holders of the Class R-I Certificates. (2) On each Distribution Date, the following amounts, in the following order of priority, shall be distributed by REMIC II to REMIC III on account of the REMIC II Regular Interests: -78- (i) first, to the extent of the Available Distribution Amount, to the Holders of REMIC II Regular Interest MT-IO, in an amount equal to (A) the Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates, and second, to the Holders of REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-2, REMIC II Regular Interest MT-3, REMIC II Regular Interest MT-4, REMIC II Regular Interest MT-5, REMIC II Regular Interest MT-6, REMIC II Regular Interest MT-7, REMIC II Regular Interest MT-8, REMIC II Regular Interest MT-9, REMIC II Regular Interest MT-10 and REMIC II Regular Interest MT-11, pro rata, in an amount equal to (A) the Uncertificated Accrued Interest for such Distribution Date, plus (B) any amounts in respect thereof remaining unpaid from previous Distribution Dates. Amounts payable as Uncertificated Accrued Interest in respect of REMIC II Regular Interest MT-11 shall be reduced when the REMIC II Overcollateralization Amount is less than the REMIC II Required Overcollateralization Amount, by the lesser of (x) the amount of such difference and (y) the REMIC II Regular Interest MT-11 Maximum Interest Deferral Amount, and such amount will be payable to the Holders of REMIC II Regular Interest MT-2, REMIC II Regular Interest MT-3, REMIC II Regular Interest MT-4, REMIC II Regular Interest MT-5, REMIC II Regular Interest MT-6, REMIC II Regular Interest MT-7 , REMIC II Regular Interest MT-8, REMIC II Regular Interest MT-9 and REMIC II Regular Interest MT-10 in the same proportion as the Overcollateralization Increase Amount is allocated to the Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5, Certificates, Class M-1 Certificates, Class M-2 Certificates, Class M-3 Certificates and Class B Certificates, respectively; and (ii) on each Distribution Date, to the Holders of REMIC II Regular Interests, in an amount equal to the remainder of the Available Distribution Amount after the distributions made pursuant to clause (i) above, allocated as follows (except as provided below): (A) to the Holders of the REMIC II Regular Interest MT- 1, 98.00% of such remainder until the Uncertificated Principal Balance of such REMIC II Regular Interest is reduced to zero; (B) to the Holders of the REMIC II Regular Interest MT- 2, MT-3, MT-4, MT-5, MT-6, MT-7, MT-8, MT-9 and MT-10 1.00% of such remainder, in the same proportion as principal payments are allocated to the Class A-1, Class A-2, Class A-3, Class A-4, Class A- 5, Class M-1, Class M-2 and Class M-3 Certificates and Class B Certificates, respectively; and (C) to the Holders of the REMIC II Regular Interest MT- 11, 1.00% of such remainder; -79- (2) any remaining amounts to the Holders of the Class R-II Certificates. (3) Notwithstanding the distributions on the REMIC Regular Interests described in this Section 4.02(b), distribution of funds from the Certificate Account shall be made only in accordance with Section 4.02(c). (c) On each Distribution Date (x) the Master Servicer on behalf of the Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share with respect to each Class of Certificates, shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder of the following amounts), in the following order of priority, in each case to the extent of the Available Distribution Amount: (i) to the Class A Certificateholders, Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, plus any Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls, to the extent not covered by Compensating Interest pursuant to Section 3.16, allocated to the Class A Certificates as described in Section 4.02(e) below (the "Class A Interest Distribution Amount"), with such amount allocated among the Class A Certificateholders on a pro rata basis; (ii) to the Class M-1 Certificateholders from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, plus any Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls, to the extent not covered by Compensating Interest pursuant to Section 3.16, allocated to the Class M-1 Certificates as described in Section 4.02(e) (the "Class M-1 Interest Distribution Amount"); (iii) to the Class M-2 Certificateholders from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, plus any Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls, to the extent not covered by Compensating Interest pursuant to Section 3.16, allocated to the Class M-2 -80- Certificates as described in Section 4.02(e) (the "Class M-2 Interest Distribution Amount"); (iv) to the Class M-3 Certificateholders from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, plus any Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls, to the extent not covered by Compensating Interest pursuant to Section 3.16, allocated to the Class M-3 Certificates as described in Section 4.02(e) (the "Class M-3 Interest Distribution Amount"); (v) to the Class B Certificateholders from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, plus any Accrued Certificate Interest remaining unpaid from any prior Distribution Date, less any Prepayment Interest Shortfalls, to the extent not covered by Compensating Interest pursuant to Section 3.16, allocated to the Class B Certificates as described in Section 4.02(e) (the "Class B Interest Distribution Amount"); (vi) if such Distribution Date is prior to the Stepdown Date, or on or after the Stepdown Date if a Trigger Event is in effect, the Principal Distribution Amount shall be distributed as follows, in each case to the extent of the remaining Principal Distribution Amount: (A) first, to the Class A Certificateholders (other than the Class A- IO Certificateholders), in the order described in Section 4.02(d), until the aggregate Certificate Principal Balance of the Class A Certificates has been reduced to zero; (B) second, to the Class M-1 Certificateholders, until the Certificate Principal Balance of the Class M-1 Certificates has been reduced to zero; (C) third, to the Class M-2 Certificateholders, until the Certificate Principal Balance of the Class M-2 Certificates has been reduced to zero; (D) fourth, to the Class M-3 Certificateholders, until the Certificate Principal Balance of the Class M-3 Certificates has been reduced to zero; and -81- (E) fifth, to the Class B Certificateholders, until the Certificate Principal Balance of the Class B Certificates has been reduced to zero. (vii) if such Distribution Date is on or after the Stepdown Date, so long as a Trigger Event is not in effect, the Principal Distribution Amount shall be distributed as follows, in each case to the extent of the remaining Principal Distribution Amount: (A) first, to the Class A Certificateholders (other than the Class A- IO Certificateholders), in the order described in Section 4.02(d), from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the Class A Principal Distribution Amount; (B) second, to the Class M-1 Certificateholders, from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the Class M-1 Principal Distribution Amount, until the Certificate Principal Balance of the Class M-1 Certificates has been reduced to zero; (C) third, to the Class M-2 Certificateholders, from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the Class M-2 Principal Distribution Amount, until the Certificate Principal Balance of the Class M-2 Certificates has been reduced to zero; (D) fourth, to the Class M-3 Certificateholders, from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the Class M-3 Principal Distribution Amount, until the Certificate Principal Balance of the Class M-3 Certificates has been reduced to zero; (E) fifth, to the Class B Certificateholders, from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the Class B Principal Distribution Amount, until the Certificate Principal Balance of the Class B Certificates has been reduced to zero; (viii) to the Class A, Class M and Class B Certificateholders from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto with respect to the Mortgage Loans, to the extent not covered by Compensating Interest on such Distribution Date, which will be allocated to the Class A, Class M and Class B Certificateholders on a pro rata basis, based on the amount of such Prepayment Interest Shortfalls; -82- (ix) to the Class A, Class M and Class B Certificateholders from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls allocated thereto remaining unpaid from prior Distribution Dates together with interest thereon, which will be allocated to the Class A, Class M and Class B Certificateholders on a pro rata basis, based on the amount of such unpaid Prepayment Interest Shortfalls; (x) to the Class SB Certificates, from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, Accrued Certificate Interest thereon for such Distribution Date; and (xi) to the Class R-III Certificateholders, the balance, if any, of the Available Distribution Amount. (d) Any amounts payable to the Class A Certificateholders pursuant to 4.02(c)(vi) and (vii) above shall be allocated to the Class A-1, Class A-2, Class A-3, Class A-4 and Class A-5 Certificates, in that order, in each case until the Certificate Principal Balance thereof has been reduced to zero. (e) Any Prepayment Interest Shortfalls which are not covered by Compensating Interest as described in Section 3.16 will be allocated among the Class A, Class M and Class B Certificates pro rata in accordance with the amount of Accrued Certificate Interest that would have accrued on that Certificate absent these shortfalls. Any such uncovered Prepayment Interest Shortfalls will be paid solely pursuant to Section 4.02(c)(viii) and (ix), to the extent funds are available therefor. (f) In addition to the foregoing distributions, with respect to any Mortgage Loan that was previously the subject of a Cash Liquidation or an REO Disposition that resulted in a Realized Loss, in the event that within two years of the date on which such Realized Loss was determined to have occurred the Master Servicer receives amounts which the Master Servicer reasonably believes to represent subsequent recoveries (net of any related liquidation expenses), or determines that it holds surplus amounts previously reserved to cover estimated expenses specifically related to such Mortgage Loan (including, but not limited to, recoveries (net of any related liquidation expenses) in respect of the representations and warranties made by the related Seller pursuant to the applicable Seller's Agreement), the Master Servicer shall distribute such amounts to the Class or Classes to which such Realized Loss was allocated (with the amounts to be distributed allocated among such Classes in the same proportions as such Realized Loss was allocated), and within each such Class to the Certificateholders of record as of the Record Date immediately preceding the date of such distribution (or if such Class of Certificates is no longer outstanding, to the Certificateholders of record at the time that such Realized Loss was allocated); provided that no such distribution to any Class of Certificates of subsequent recoveries related to a Mortgage Loan shall exceed, either individually or in the aggregate and together with any other amounts paid in reimbursement therefor, the amount of the related Realized Loss that was allocated to such Class of Certificates. For the purposes of this Section 4.02(f) any allocation of a Realized -83- Loss to Excess Cash Flow will be treated as an allocation of a Realized Loss to the Class A, Class M and Class B Certificates. (g) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm" or "indirect participating firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Depositor or the Master Servicer shall have any responsibility therefor except as otherwise provided by this Agreement or applicable law. (h) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the prior calendar month. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). Section 4.03. Statements to Certificateholders. (a) Concurrently with each distribution charged to the Certificate Account and with respect to each Distribution Date the Master Servicer shall forward to the Trustee and the Trustee shall forward by mail or otherwise make available electronically to each Holder and the Depositor a statement setting forth the following information as to each Class of Certificates, in each case to the extent applicable: (i) (A) the amount of such distribution to the Certificateholders of such Class applied to reduce the Certificate Principal Balance thereof, and (B) the aggregate amount included therein representing Principal Prepayments; (ii) the amount of such distribution to Holders of such Class of Certificates allocable to interest; -84- (iii) if the distribution to the Holders of such Class of Certificates is less than the full amount that would be distributable to such Holders if there were sufficient funds available therefor, the amount of the shortfall; (iv) the amount of any Advance by the Master Servicer with respect to the Mortgage Loans pursuant to Section 4.04; (v) the number of Mortgage Loans and the Stated Principal Balance after giving effect to the distribution of principal on such Distribution Date; (vi) the aggregate Certificate Principal Balance of each Class of the Certificates, after giving effect to the amounts distributed on such Distribution Date, separately identifying any reduction thereof due to Realized Losses other than pursuant to an actual distribution of principal; (vii) on the basis of the most recent reports furnished to it by Subservicers, the number and aggregate principal balances of Mortgage Loans that are Delinquent (A) one month, (B) two months and (C) three or more months and the number and aggregate principal balance of Mortgage Loans that are in foreclosure; (viii) the number, aggregate principal balance and book value of any REO Properties; (ix) the aggregate Accrued Certificate Interest remaining unpaid, if any, for each Class of Certificates, after giving effect to the distribution made on such Distribution Date; (x) the aggregate amount of Realized Losses for such Distribution Date and the aggregate amount of Realized Losses on the Mortgage Loans incurred since the Cut-off Date; (xi) the Special Hazard Amount and Fraud Loss Amount as of the close of business on such Distribution Date and a description of any change in the calculation of such amounts; (xii)the Pass-Through Rate on each Class of Certificates and the Weighted Average Net Mortgage Rate; (xiii) the Overcollateralization Amount and the Required Overcollateralization Amount following such Distribution Date; -85- (xiv)the number and aggregate principal balance of Mortgage Loans repurchased under Section 4.07; (xv) the aggregate amount of any recoveries on previously foreclosed loans from Residential Funding due to a breach of representation or warranty; (xvi) the aggregate of any deposits to and withdrawals from the Reserve Fund for such Distribution Date and the remaining amount on deposit in the Reserve Fund after such deposits and withdrawals; (xvii) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xviii)the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date. In the case of information furnished pursuant to clauses (i) and (ii) above, the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. In addition to the statement provided to the Trustee as set forth in this Section 4.03(a), the Master Servicer shall provide to any manager of a trust fund consisting of some or all of the Certificates, upon reasonable request, such additional information as is reasonably obtainable by the Master Servicer at no additional expense to the Master Servicer. (b) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and the Trustee shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Certificate, other than a Class R Certificate, a statement containing the information set forth in clauses (i) and (ii) of subsection (a) above aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Master Servicer and Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Master Servicer and Trustee pursuant to any requirements of the Code. (c) As soon as reasonably practicable, upon the written request of any Certificateholder, the Master Servicer shall provide the requesting Certificateholder with such information as is necessary and appropriate, in the Master Servicer's sole discretion, for purposes of satisfying applicable reporting requirements under Rule 144A. Section 4.04. Distribution of Reports to the Trustee and the Depositor; Advances by the Master Servicer. (a) Prior to the close of business on the Business Day next succeeding each Determination Date, the Master Servicer shall furnish a written statement (which may be in a mutually agreeable electronic format) to the Trustee, any Paying Agent and the Depositor (the -86- information in such statement to be made available to Certificateholders by the Master Servicer on request) (provided that the Master Servicer will use its best efforts to deliver such written statement not later than 12:00 p.m. New York time on the second Business Day prior to the Distribution Date) setting forth (i) the Available Distribution Amounts, (ii) the amounts required to be withdrawn from the Custodial Account and deposited into the Certificate Account on the immediately succeeding Certificate Account Deposit Date pursuant to clause (iii) of Section 4.01(a), (iii) the amount of Prepayment Interest Shortfalls, (iv) the amounts required to be withdrawn from and deposited into the Reserve Fund pursuant to Section 4.08 and (v) to the extent required, a report detailing the Stated Principal Balance, Mortgage Rate, Modified Mortgage Rate, remaining term to maturity and Monthly Payment for any Modified Mortgage Loan pursuant to Section 3.13. The determination by the Master Servicer of such amounts shall, in the absence of obvious error, be presumptively deemed to be correct for all purposes hereunder and the Trustee shall be protected in relying upon the same without any independent check or verification. (b) On or before 2:00 P.M. New York time on each Certificate Account Deposit Date, the Master Servicer shall either (i) deposit in the Certificate Account from its own funds, or funds received therefor from the Subservicers, an amount equal to the Advances to be made by the Master Servicer in respect of the related Distribution Date, which shall be in an aggregate amount equal to the aggregate amount of Monthly Payments (with each interest portion thereof adjusted to a per annum rate equal to the Net Mortgage Rate), less the amount of any related Servicing Modifications, Debt Service Reductions or reductions in the amount of interest collectable from the Mortgagor pursuant to the Relief Act or similar legislation or regulations then in effect, on the Outstanding Mortgage Loans as of the related Due Date in the related Due Period, which Monthly Payments were due during the related Due Period and not received as of the close of business as of the related Determination Date; provided that no Advance shall be made if it would be a Nonrecoverable Advance, (ii) withdraw from amounts on deposit in the Custodial Account and deposit in the Certificate Account all or a portion of the Amount Held for Future Distribution in discharge of any such Advance, or (iii) make advances in the form of any combination of clauses (i) and (ii) aggregating the amount of such Advance. Any portion of the Amount Held for Future Distribution so used shall be replaced by the Master Servicer by deposit in the Certificate Account on or before 11:00 A.M. New York time on any future Certificate Account Deposit Date to the extent that funds attributable to the Mortgage Loans that are available in the Custodial Account for deposit in the Certificate Account on such Certificate Account Deposit Date shall be less than payments to Certificateholders required to be made on the following Distribution Date. The Master Servicer shall be entitled to use any Advance made by a Subservicer as described in Section 3.07(b) that has been deposited in the Custodial Account on or before such Distribution Date as part of the Advance made by the Master Servicer pursuant to this Section 4.04. The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by a certificate of a Servicing Officer delivered to the Depositor and the Trustee. In the event that the Master Servicer determines as of the Business Day preceding any Certificate Account Deposit Date that it will be unable to deposit in the Certificate Account an amount equal to the Advance required to be made for the immediately succeeding Distribution Date, -87- it shall give notice to the Trustee of its inability to advance (such notice may be given by telecopy), not later than 3:00 P.M., New York time, on such Business Day, specifying the portion of such amount that it will be unable to deposit. Not later than 3:00 P.M., New York time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00 Noon, New York time, on such day the Trustee shall have been notified in writing (by telecopy) that the Master Servicer shall have directly or indirectly deposited in the Certificate Account such portion of the amount of the Advance as to which the Master Servicer shall have given notice pursuant to the preceding sentence, pursuant to Section 7.01, (a) terminate all of the rights and obligations of the Master Servicer under this Agreement in accordance with Section 7.01 and (b) assume the rights and obligations of the Master Servicer hereunder, including the obligation to deposit in the Certificate Account an amount equal to the Advance for the immediately succeeding Distribution Date. The Trustee shall deposit all funds it receives pursuant to this Section 4.04 into the Certificate Account. Section 4.05. Allocation of Realized Losses. (a) Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modifications, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due in the month in which such Distribution Date occurs. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. All Realized Losses on the Mortgage Loans (other than Excess Losses) shall be allocated as follows: first, to the Excess Cash Flow, by increasing the amount of clause (iv) of the definition of Principal Distribution Amount, second, by reduction of the Overcollateralization Amount, until such amount has been reduced to zero; third, to the Class B Certificates; fourth, to the Class M-3 Certificates; fifth, to the Class M-2 Certificates; sixth, to the Class M-1 Certificates; and thereafter, to the Class A Certificates on a pro rata basis, based on their respective aggregate Certificate Principal Balances. Any Excess Losses on the Mortgage Loans will be allocated to the Class A, Class M and Class B Certificates on a pro rata basis, in an amount equal to a fraction of such losses equal to (x) the aggregate Certificate Principal Balance of the Class A, Class M and Class B Certificates over (y) the aggregate Stated Principal Balance of the Mortgage Loans, and the remainder of such losses shall be allocated to the Overcollateralization Amount in reduction of the amount thereof. (b) Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Class A, Class M or Class B Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date. Allocations of the interest portions of Realized Losses shall be made by operation of the definition of "Accrued Certificate Interest" and by operation of the priority of payment provisions of Section 4.02(c). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby. -88- (c) All Realized Losses on the Mortgage Loans shall be allocated on each Distribution Date to the following REMIC I Regular Interests to REMIC I Regular Interest LT-1 until the Uncertificated Principal Balance has been reduced to zero, then to REMIC I Regular Interest LT-2 until the Uncertificated Principal Balance has been reduced to zero, then to REMIC I Regular Interest LT-3 until the Uncertificated Principal Balance has been reduced to zero, then to REMIC I Regular Interest LT-4 until the Uncertificated Principal Balance has been reduced to zero, then to REMIC I Regular Interest LT-5 until the Uncertificated Principal Balance has been reduced to zero, then to REMIC I Regular Interest LT-6 until the Uncertificated Principal Balance has been reduced to zero. All Realized Losses on the REMIC I Regular Interest LT-1, REMIC I Regular Interest LT-2, REMIC I Regular Interest LT-3, REMIC I Regular Interest LT-4, REMIC I Regular Interest LT-5 and REMIC I Regular Interest LT-6 shall be deemed to have been allocated to the following REMIC II Regular Interests in the specified percentages, as follows: first, to Uncertificated Accrued Interest payable to the REMIC II Regular Interests MT-1 and MT-11 up to an aggregate amount equal to the excess of (a) the REMIC II Interest Loss Allocation Amount over (b) Prepayment Interest Shortfalls (to the extent not covered by Compensating Interest) relating to the Mortgage Loans for such Distribution Date, 98% and 2%, respectively; second, to the Uncertificated Principal Balances of the REMIC II Regular Interests MT-1 and MT-11 up to an aggregate amount equal to the REMIC II Principal Loss Allocation Amount, 98% and 2%, respectively; third, to the Uncertificated Principal Balances of REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-10 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-10 has been reduced to zero; fourth, to the Uncertificated Principal Balances of REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-9 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-9 has been reduced to zero; fifth, to the Uncertificated Principal Balances of REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-8 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-8 has been reduced to zero; sixth, to the Uncertificated Principal Balances of REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-7 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-7 has been reduced to zero; seventh, to the Uncertificated Principal Balances of REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-6 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-6 has been reduced to zero; eighth, REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-5 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-5 has been reduced to zero; ninth, REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-4 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-4 has been reduced to zero; tenth, REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-3 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-3 has been reduced to zero; eleventh, REMIC II Regular Interest MT-1, REMIC II Regular Interest MT-2 and REMIC II Regular Interest MT-11, 98%, 1% and 1%, respectively, until the Uncertificated Principal Balance of REMIC II Regular Interest MT-2 has been reduced to zero. -89- Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. The Master Servicer or the Subservicers shall file information returns with respect to the receipt of mortgage interest received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the informational returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P of the Code, respectively, and deliver to the Trustee an Officers' Certificate on or before March 31 of each year stating that such reports have been filed. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by such Sections 6050H, 6050J and 6050P of the Code. Section 4.07. Optional Purchase of Defaulted Mortgage Loans. As to any Mortgage Loan which is delinquent in payment by 90 days or more, the Master Servicer may, at its option, purchase such Mortgage Loan from the Trustee at the Purchase Price therefor; provided, that any such Mortgage Loan that becomes 90 days or more delinquent during any given Calendar Quarter shall only be eligible for purchase pursuant to this Section during the period beginning on the first Business Day of the following Calendar Quarter, and ending at the close of business on the second-to-last Business Day of such following Calendar Quarter. Such option if not exercised shall not thereafter be reinstated as to any Mortgage Loan, unless the delinquency is cured and the Mortgage Loan thereafter again becomes delinquent in payment by 90 days or more in a subsequent Calendar Quarter. If at any time the Master Servicer makes a payment to the Certificate Account covering the amount of the Purchase Price for such a Mortgage Loan, and the Master Servicer provides to the Trustee a certification signed by a Servicing Officer stating that the amount of such payment has been deposited in the Certificate Account, then the Trustee shall execute the assignment of such Mortgage Loan at the request of the Master Servicer without recourse to the Master Servicer which shall succeed to all the Trustee's right, title and interest in and to such Mortgage Loan, and all security and documents relative thereto. Such assignment shall be an assignment outright and not for security. The Master Servicer will thereupon own such Mortgage, and all such security and documents, free of any further obligation to the Trustee or the Certificateholders with respect thereto. Section 4.08. Distribution of Class B Net WAC Shortfall Carry-Forward Amount; Reserve Fund. (a) On the Closing Date, the Trustee shall establish and maintain in its name, in trust for the benefit of Class B Certificates, the Reserve Fund. In addition, on the Closing Date, the Trustee shall deposit into the Reserve Fund the Reserve Fund Deposit. On each Distribution Date, to the extent required, the Trustee shall make withdrawals from the Reserve Fund and use the amounts in the Reserve Fund to make distributions to the Class B Certificates, in an amount equal to the amount of any Class B Net WAC Shortfall Carry-Forward Amount on such Certificate. On the 30th Distribution Date, after the distributions described in the -90- second preceding sentence, the Trustee shall withdraw from the Reserve Fund (to the extent of funds available on deposit therein) any remaining amounts and distribute them to the holder of the Reserve Fund Residual Right. (b) The Reserve Fund shall be an Eligible Account. Amounts held in the Reserve Fund from time to time shall continue to constitute assets of the Trust Fund, but not of the REMICs, until released from the Reserve Fund pursuant to this Section 4.08. The Reserve Fund constitutes an "outside reserve fund" within the meaning of Treasury Regulation ss.1.860G-2(h) and is not an asset of the REMICs. Residential Funding shall be the owner of the Reserve Fund. The Trustee shall keep records that accurately reflect the funds on deposit in the Reserve Fund. The Trustee shall, at the direction of the Master Servicer, invest amounts on deposit in the Reserve Fund in Permitted Investments. In the absence of written direction to the Trustee from the Master Servicer, all funds in the Reserve Fund shall remain uninvested. On each Distribution Date, the Trustee shall distribute any interest on the Reserve Fund to the holder of the Reserve Fund Residual Right. (c) The holder of the Reserve Fund Residual Right with respect to the Reserve Fund shall initially be the Master Servicer, and such Reserve Fund Residual Right shall at all times be owned by the Master Servicer. Any amounts payable pursuant to this Section 4.08, to the extent not payable to the Class B Certificates, shall be payable to the Master Servicer. -91- ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) The Class A Certificates, Class M Certificates, Class B Certificates, Class SB Certificates and Class R Certificates shall be substantially in the forms set forth in Exhibits A, B-1, B-2, C and D, respectively, and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery to or upon the order of the Depositor upon receipt by the Trustee or one or more Custodians of the documents specified in Section 2.01. The Class A and Class M-1 Certificates shall be issuable in minimum dollar denominations of $25,000 and integral multiples of $1 in excess thereof. The Class M-2 and Class M-3 Certificates shall be issuable in minimum dollar denominations of $250,000 and integral multiples of $1 in excess thereof. The Class B Certificates shall be issuable in minimum dollar denominations of $1,000,000 and integral multiples of $1 in excess thereof. The Class SB Certificates shall be issuable in registered, certificated form in minimum percentage interests of 5.00% and integral multiples of 0.01% in excess thereof. Each Class of Class R Certificates shall be issued in registered, certificated form in minimum percentage interests of 20.00% and integral multiples of 0.01% in excess thereof; provided, however, that one Class R Certificate of each Class will be issuable to the REMIC Administrator as "tax matters person" pursuant to Section 10.01(c) in a minimum denomination representing a Percentage Interest of not less than 0.01%. The Certificates shall be executed by manual or facsimile signature on behalf of an authorized officer of the Trustee. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificate or did not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided for herein executed by the Certificate Registrar by manual signature, and such certificate upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. (b) The Class A and Class M Certificates shall initially be issued as one or more Certificates registered in the name of the Depository or its nominee and, except as provided below, registration of such Certificates may not be transferred by the Trustee except to another Depository that agrees to hold such Certificates for the respective Certificate Owners with Ownership Interests therein. The Certificate Owners shall hold their respective Ownership Interests in and to each Class A or Class M Certificate, through the book-entry facilities of the Depository and, except as provided below, shall not be entitled to Definitive Certificates in respect of such Ownership Interests. All transfers by Certificate Owners of their respective Ownership Interests in the Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or -92- brokerage firm representing such Certificate Owner. Each Depository Participant shall transfer the Ownership Interests only in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository's normal procedures. The Trustee, the Master Servicer and the Depositor may for all purposes (including the making of payments due on the respective Classes of Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the respective Classes of Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the respective Classes of Book-Entry Certificates shall be limited to those established by law and agreements between such Certificate Owners and the Depository Participants and brokerage firms representing such Certificate Owners. Multiple requests and directions from, and votes of, the Depository as Holder of any Class of Book- Entry Certificates with respect to any particular matter shall not be deemed inconsistent if they are made with respect to different Certificate Owners. The Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and shall give notice to the Depository of such record date. If (i)(A) the Depositor advises the Trustee in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository and (B) the Depositor is unable to locate a qualified successor or (ii) the Depositor at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners requesting the same. Upon surrender to the Trustee of the Book-Entry Certificates by the Depository, accompanied by registration instructions from the Depository for registration of transfer, the Trustee shall issue the Definitive Certificates. Neither the Depositor, the Master Servicer nor the Trustee shall be liable for any actions taken by the Depository or its nominee, including, without limitation, any delay in delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates all references herein to obligations imposed upon or to be performed by the Depositor in connection with the issuance of the Definitive Certificates pursuant to this Section 5.01 shall be deemed to be imposed upon and performed by the Trustee, and the Trustee and the Master Servicer shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (c) Each of the Certificates is intended to be a "security" governed by Article 8 of the Uniform Commercial Code as in effect in the State of New York and any other applicable jurisdiction, to the extent that any of such laws may be applicable. Section 5.02. Registration of Transfer and Exchange of Certificates. (a) The Trustee shall cause to be kept at one of the offices or agencies to be appointed by the Trustee in accordance with the provisions of Section 8.12 a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The -93- Trustee is initially appointed Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. The Certificate Registrar, or the Trustee, shall provide the Master Servicer with a certified list of Certificateholders as of each Record Date prior to the related Determination Date. (b) Upon surrender for registration of transfer of any Certificate at any office or agency of the Trustee maintained for such purpose pursuant to Section 8.12 and, in the case of any Class SB or R Certificate, upon satisfaction of the conditions set forth below, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of a like Class and aggregate Percentage Interest. (c) At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of a like Class and aggregate Percentage Interest, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so surrendered for exchange the Trustee shall execute and the Certificate Registrar shall authenticate and deliver the Certificates of such Class which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for transfer or exchange shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing. (d) No transfer, sale, pledge or other disposition of a Class B, Class SB or Class R Certificate shall be made unless such transfer, sale, pledge or other disposition is exempt from the registration requirements of the Securities Act of 1933, as amended (the "1933 Act"), and any applicable state securities laws or is made in accordance with said Act and laws. Except as otherwise provided in this Section 5.02(d), in the event that a transfer of a Class SB or Class R Certificate is to be made, (i) unless the Depositor directs the Trustee otherwise, the Trustee shall require a written Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee and the Depositor that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from said Act and laws or is being made pursuant to said Act and laws, which Opinion of Counsel shall not be an expense of the Trustee, the Trust Fund, the Depositor or the Master Servicer, and (ii) the Trustee shall require the transferee to execute a representation letter, substantially in the form of Exhibit I hereto, and the Trustee shall require the transferor to execute a representation letter, substantially in the form of Exhibit J hereto, each acceptable to and in form and substance satisfactory to the Depositor and the Trustee certifying to the Depositor and the Trustee the facts surrounding such transfer, which representation letters shall not be an expense of the Trustee, the Trust Fund, the Depositor or the Master Servicer. Transfers of the Class B Certificates may be made, and in lieu of the requirements set forth in the preceding sentence, transfers of Class SB or Class R Certificates may be made, in accordance with this Section 5.02(d) if the prospective transferee of such a Certificate provides the Trustee and the Master Servicer with an investment letter substantially in the form of Exhibit N attached hereto, which investment letter shall not be an expense of the Trustee, the Depositor, or the Master Servicer, and which investment letter states that, among other things, such transferee (i) is a "qualified institutional buyer" as defined under Rule 144A, acting for its own account or the accounts of other "qualified -94- institutional buyers" as defined under Rule 144A, and (ii) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the 1933 Act provided by Rule 144A. The Holder of a Class B, Class SB or Class R Certificate desiring to effect any transfer, sale, pledge or other disposition shall, and does hereby agree to, indemnify the Trustee, the Depositor, the Master Servicer and the Certificate Registrar against any liability that may result if the transfer, sale, pledge or other disposition is not so exempt or is not made in accordance with such federal and state laws and this Agreement. (e) In the case of any Class M, Class B, Class SB or Class R Certificate presented for registration in the name of any Person, either (i) the Trustee shall require an Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee, the Depositor and the Master Servicer to the effect that the purchase or holding of such Class M, Class B, Class SB or Class R Certificate is permissible under applicable law, will not constitute or result in any non-exempt 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 Trustee, the Depositor or the Master 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 Agreement, which Opinion of Counsel shall not be an expense of the Trustee, the Depositor or the Master Servicer or (ii) the prospective transferee shall be required to provide the Trustee, the Depositor and the Master Servicer with a certification to the effect set forth in Exhibit P (with respect to a Class M or Class B Certificate) (which certification shall be deemed to have been given by a Class M Certificateholder who acquires a Book-Entry Certificate), Exhibit O (with respect to a Class SB Certificate) or in paragraph fourteen of Exhibit H-1 (with respect to a Class R Certificate), which the Trustee may rely upon without further inquiry or investigation, or such other certifications as the Trustee may deem desirable or necessary in order to establish that such transferee or the Person in whose name such registration is requested either (a) is not an employee benefit plan or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code, or any Person (including an insurance company investing its general accounts, an investment manager, a named fiduciary or a trustee of any such plan) who is using "plan assets" of any such plan to effect such acquisition or (b) in the case of a Class M or Class B Certificate, the following conditions are satisfied: (i) such Transferee is an insurance company, (ii) the source of funds used to purchase or hold such Certificate (or interest therein) is an "insurance company general account" (as defined in U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60, and (iii) the conditions set forth in Sections I and III of PTCE 95-60 have been satisfied (each entity that satisfies this clause (b), a "Complying Insurance Company"). (f) (i) Each Person who has or who acquires any Ownership Interest in a Class R Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably authorized the Trustee or its designee under clause (iii)(A) below to deliver payments to a Person other than such Person and to negotiate the terms of any mandatory sale under clause (iii)(B) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale. The rights of each Person acquiring any Ownership Interest in a Class R Certificate are expressly subject to the following provisions: -95- (A) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee. (B) In connection with any proposed Transfer of any Ownership Interest in a Class R Certificate, the Trustee shall require delivery to it, and shall not register the Transfer of any Class R Certificate until its receipt of, (I) an affidavit and agreement (a "Transfer Affidavit and Agreement," in the form attached hereto as Exhibit H-1) from the proposed Transferee, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that it is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Class R Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee, that for so long as it retains its Ownership Interest in a Class R Certificate, it will endeavor to remain a Permitted Transferee, and that it has reviewed the provisions of this Section 5.02(f) and agrees to be bound by them, and (II) a certificate, in the form attached hereto as Exhibit H-2, from the Holder wishing to transfer the Class R Certificate, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that no purpose of the proposed Transfer is to impede the assessment or collection of tax. (C) Notwithstanding the delivery of a Transfer Affidavit and Agreement by a proposed Transferee under clause (B) above, if a Responsible Officer of the Trustee who is assigned to this Agreement has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a Class R Certificate to such proposed Transferee shall be effected. (D) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall agree (x) to require a Transfer Affidavit and Agreement from any other Person to whom such Person attempts to transfer its Ownership Interest in a Class R Certificate and (y) not to transfer its Ownership Interest unless it provides a certificate to the Trustee in the form attached hereto as Exhibit H-2. (E) Each Person holding or acquiring an Ownership Interest in a Class R Certificate, by purchasing an Ownership Interest in -96- such Certificate, agrees to give the Trustee written notice that it is a "pass-through interest holder" within the meaning of Temporary Treasury Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Class R Certificate, if it is, or is holding an Ownership Interest in a Class R Certificate on behalf of, a "pass-through interest holder." (i) The Trustee will register the Transfer of any Class R Certificate only if it shall have received the Transfer Affidavit and Agreement, a certificate of the Holder requesting such transfer in the form attached hereto as Exhibit H-2 and all of such other documents as shall have been reasonably required by the Trustee as a condition to such registration. Transfers of the Class R Certificates to Non-United States Persons and Disqualified Organizations (as defined in Section 860E(e)(5) of the Code) are prohibited. (A) If any Disqualified Organization shall become a holder of a Class R Certificate, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a Non-United States Person shall become a holder of a Class R Certificate, then the last preceding United States Person shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a transfer of a Class R Certificate is disregarded pursuant to the provisions of Treasury Regulations Section 1.860E-1 or Section 1.860G-3, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. The Trustee shall be under no liability to any Person for any registration of Transfer of a Class R Certificate that is in fact not permitted by this Section 5.02(f) or for making any payments due on such Certificate to the holder thereof or for taking any other action with respect to such holder under the provisions of this Agreement. (B) If any purported Transferee shall become a Holder of a Class R Certificate in violation of the restrictions in this Section 5.02(f) and to the extent that the retroactive restoration of the rights of the Holder of such Class R Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Master Servicer shall have the right, -97- without notice to the holder or any prior holder of such Class R Certificate, to sell such Class R Certificate to a purchaser selected by the Master Servicer on such terms as the Master Servicer may choose. Such purported Transferee shall promptly endorse and deliver each Class R Certificate in accordance with the instructions of the Master Servicer. Such purchaser may be the Master Servicer itself or any Affiliate of the Master Servicer. The proceeds of such sale, net of the commissions (which may include commissions payable to the Master Servicer or its Affiliates), expenses and taxes due, if any, will be remitted by the Master Servicer to such purported Transferee. The terms and conditions of any sale under this clause (iii)(B) shall be determined in the sole discretion of the Master Servicer, and the Master Servicer shall not be liable to any Person having an Ownership Interest in a Class R Certificate as a result of its exercise of such discretion. (ii) The Master Servicer, on behalf of the Trustee, shall make available, upon written request from the Trustee, all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Class R Certificate to any Person who is a Disqualified Organization, including the information regarding "excess inclusions" of such Class R Certificates required to be provided to the Internal Revenue Service and certain Persons as described in Treasury Regulations Sections 1.860D-1(b)(5) and 1.860E- 2(a)(5), and (B) as a result of any regulated investment company, real estate investment trust, common trust fund, partnership, trust, estate or organization described in Section 1381 of the Code that holds an Ownership Interest in a Class R Certificate having as among its record holders at any time any Person who is a Disqualified Organization. Reasonable compensation for providing such information may be required by the Master Servicer from such Person. (iii) The provisions of this Section 5.02(f) set forth prior to this clause (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trustee the following: (A) Written notification from each Rating Agency to the effect that the modification, addition to or elimination of such provisions will not cause such Rating Agency to downgrade its then-current ratings, if any, of the Class A, Class M or Class B Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency; and (B) A certificate of the Master Servicer stating that the Master Servicer has received an Opinion of Counsel, in form and substance satisfactory to the Master Servicer, to the effect that -98- such modification, addition to or absence of such provisions will not cause any of REMIC I, REMIC II or REMIC III to cease to qualify as a REMIC and will not cause (x) any of REMIC I, REMIC II or REMIC III to be subject to an entity- level tax caused by the Transfer of any Class R Certificate to a Person that is a Disqualified Organization or (y) a Certificateholder or another Person to be subject to a REMIC- related tax caused by the Transfer of a Class R Certificate to a Person that is not a Permitted Transferee. (g) No service charge shall be made for any transfer or exchange of Certificates of any Class, but the Trustee 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. (h) All Certificates surrendered for transfer and exchange shall be destroyed by the Certificate Registrar. Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Trustee and the Certificate Registrar receive evidence to their satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee and the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute and the Certificate Registrar 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, Class and Percentage Interest but bearing a number not contemporaneously outstanding. Upon the issuance of any new Certificate under this Section, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. Section 5.04. Persons Deemed Owners. Prior to due presentation of a Certificate for registration of transfer, the Depositor, the Master Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.02 and for all other purposes whatsoever, except as and to the extent provided in the definition of "Certificateholder" and in Section 4.08, and neither the Depositor, the Master Servicer, the Trustee, the Certificate Registrar nor any agent of the Depositor, the Master Servicer, the Trustee -99- or the Certificate Registrar shall be affected by notice to the contrary except as provided in Section 5.02(f). Section 5.05. Appointment of Paying Agent. The Trustee may appoint a Paying Agent for the purpose of making distributions to Certificateholders pursuant to Section 4.02. In the event of any such appointment, on or prior to each Distribution Date the Master Servicer on behalf of the Trustee shall deposit or cause to be deposited with the Paying Agent a sum sufficient to make the payments to Certificateholders in the amounts and in the manner provided for in Section 4.02 and 4.03, such sum to be held in trust for the benefit of Certificateholders. The Trustee shall cause each Paying Agent to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee that such Paying Agent will hold all sums held by it for the payment to Certificateholders in trust for the benefit of the Certificateholders entitled thereto until such sums shall be paid to such Certificateholders. Any sums so held by such Paying Agent shall be held only in Eligible Accounts to the extent such sums are not distributed to the Certificateholders on the date of receipt by such Paying Agent. Section 5.06. Optional Purchase of Certificates. (a) On any Distribution Date on or after the Step-Up Date, the Master Servicer shall have the right, at its option, to purchase the Class A, Class M and Class B Certificates in whole, but not in part, at a price equal to the sum of the outstanding Certificate Principal Balance of such Certificates plus the sum of one month's Accrued Certificate Interest thereon, any previously unpaid Accrued Certificate Interest, and any unpaid Prepayment Interest Shortfall previously allocated thereto. (b) The Master Servicer shall give the Trustee not less than 60 days' prior notice of the Distribution Date on which the Master Servicer anticipates that it will purchase the related Certificates pursuant to Section 5.06(a). Notice of any such purchase, specifying the Distribution Date upon which the Holders may surrender their Certificates to the Trustee for payment in accordance with this Section 5.06, shall be given promptly by the Master Servicer by letter to Certificateholders (with a copy to the Certificate Registrar and each Rating Agency) mailed not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying: (i) the Distribution Date upon which purchase of the related Certificates is anticipated to be made upon presentation and surrender of such Certificates at the office or agency of the Trustee therein designated, (ii) the purchase price therefor, if known, and -100- (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Master Servicer gives the notice specified above, the Master Servicer shall deposit in the Certificate Account before the Distribution Date on which the purchase pursuant to Section 5.06(a) is to be made, in immediately available funds, an amount equal to the purchase price for the Certificates computed as provided above. (c) Upon presentation and surrender of the Certificates to be purchased pursuant to Section 5.06(a) by the Holders thereof, the Trustee shall distribute to such Holders an amount equal to the outstanding Certificate Principal Balance thereof plus one month's Accrued Certificate Interest thereon and any previously unpaid Accrued Certificate Interest with respect thereto. (d) In the event that any Certificateholders do not surrender their Certificates on or before the Distribution Date on which a purchase pursuant to this Section 5.06 is to be made, the Trustee shall on such date cause all funds in the Certificate Account deposited therein by the Master Servicer pursuant to Section 5.06(b) to be withdrawn therefrom and deposited in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer shall give a second written notice to such Certificateholders to surrender their Certificates for payment of the purchase price therefor. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the Holders of such Certificates concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation in accordance with this Section 5.06, the Trustee shall pay to the Master Servicer all amounts distributable to the Holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such Holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for payment in accordance with this Section 5.06. Any Certificate that is not surrendered on the Distribution Date on which a purchase pursuant to this Section 5.06 occurs as provided above will be deemed to have been purchased and the Holder as of such date will have no rights with respect thereto except to receive the purchase price therefor minus any costs and expenses associated with such escrow account and notices allocated thereto. Any Certificates so purchased or deemed to have been purchased on such Distribution Date shall remain outstanding hereunder. The Master Servicer shall be for all purposes the Holder thereof as of such date. -101- ARTICLE VI THE DEPOSITOR AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Depositor and the Master Servicer. The Depositor and the Master Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically and respectively imposed upon and undertaken by the Depositor and the Master Servicer herein. By way of illustration and not limitation, the Depositor is not liable for the servicing and administration of the Mortgage Loans, nor is it obligated by Section 7.01 or 10.01 to assume any obligations of the Master Servicer or to appoint a designee to assume such obligations, nor is it liable for any other obligation hereunder that it may, but is not obligated to, assume unless it elects to assume such obligation in accordance herewith. Section 6.02. Merger or Consolidation of the Depositor or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer. (a) The Depositor and the Master Servicer will each keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and will each obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement. (b) Any Person into which the Depositor or the Master Servicer may be merged or consolidated, or any corporation resulting from any merger or consolidation to which the Depositor or the Master Servicer shall be a party, or any Person succeeding to the business of the Depositor or the Master Servicer, shall be the successor of the Depositor or the Master Servicer, as the case may be, 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; provided, however, that the successor or surviving Person to the Master Servicer shall be qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac; and provided further that each Rating Agency's ratings, if any, of the Class A, Class M or Class B Certificates will not be qualified, reduced or withdrawn as a result thereof (as evidenced by a letter to such effect from each Rating Agency). (c) Notwithstanding anything else in this Section 6.02 and Section 6.04 to the contrary, the Master 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 which is qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac, is reasonably satisfactory to the Trustee and the Depositor, is willing to service the Mortgage Loans and executes and delivers to the Depositor and the Trustee an agreement, in form and substance reasonably satisfactory to the Depositor and the Trustee, which contains an assumption by such Person of the -102- due and punctual performance and observance of each covenant and condition to be performed or observed by the Master Servicer under this Agreement; provided further that each Rating Agency's rating of the Classes of Certificates that have been rated in effect immediately prior to such assignment and delegation will not be qualified, reduced or withdrawn as a result of such assignment and delegation (as evidenced by a letter to such effect from each Rating Agency). In the case of any such assignment and delegation, the Master Servicer shall be released from its obligations under this Agreement, except that the Master Servicer shall remain liable for all liabilities and obligations incurred by it as Master Servicer hereunder prior to the satisfaction of the conditions to such assignment and delegation set forth in the next preceding sentence. Section 6.03. Limitation on Liability of the Depositor, the Master Servicer and Others. Neither the Depositor, the Master Servicer nor any of the directors, officers, employees or agents of the Depositor or the Master Servicer shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Depositor, the Master Servicer or any such Person against any breach of warranties or representations made herein or any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Depositor, the Master Servicer and any director, officer, employee or agent of the Depositor or the Master 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 Depositor, the Master Servicer and any director, officer, employee or agent of the Depositor or the Master Servicer shall be indemnified by the Trust Fund and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than any loss, liability or expense related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder. Neither the Depositor nor the Master Servicer shall be under any obligation to appear in, prosecute or defend any legal or administrative action, proceeding, hearing or examination that is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Depositor or the Master Servicer may in its discretion undertake any such action, proceeding, hearing or examination that it may deem necessary or desirable in respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action, proceeding, hearing or examination and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund, and the Depositor and the Master Servicer shall be entitled to be reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 and, on the Distribution Date(s) following such reimbursement, the aggregate of such expenses and costs shall be allocated in reduction of the -103- Accrued Certificate Interest on each Class entitled thereto in the same manner as if such expenses and costs constituted a Prepayment Interest Shortfall. Section 6.04. Depositor and Master Servicer Not to Resign. Subject to the provisions of Section 6.02, neither the Depositor nor the Master Servicer shall resign from its respective obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law. Any such determination permitting the resignation of the Depositor or the Master Servicer shall be evidenced by an Opinion of Counsel (at the expense of the resigning party) to such effect delivered to the Trustee. No such resignation by the Master Servicer shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer's responsibilities and obligations in accordance with Section 7.02. -104- ARTICLE VII DEFAULT Section 7.01. Events of Default. Event of Default, wherever used herein, means any one of the following events (whatever 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): (i) the Master Servicer shall fail to distribute or cause to be distributed to Holders of Certificates of any Class any distribution required to be made under the terms of the Certificates of such Class and this Agreement and, in either case, such failure shall continue unremedied for a period of 5 days after the date upon which written notice of such failure, requiring such failure to be remedied, shall have been given to the Master Servicer by the Trustee or the Depositor or to the Master Servicer, the Depositor and the Trustee by the Holders of Certificates of such Class evidencing Percentage Interests aggregating not less than 25%; or (ii) the Master Servicer shall fail to observe or perform in any material respect any other of the covenants or agreements on the part of the Master Servicer contained in the Certificates of any Class or in this Agreement and such failure shall continue unremedied for a period of 30 days (except that such number of days shall be 15 in the case of a failure to pay the premium for any Required Insurance Policy) after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or the Depositor, or to the Master Servicer, the Depositor and the Trustee by the Holders of Certificates of any Class evidencing, as to such Class, Percentage Interests aggregating not less than 25%; or (iii) a decree or order of a court or agency or supervisory authority having jurisdiction in the premises in an involuntary case under any present or future federal or state bankruptcy, insolvency or similar law or appointing a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or (iv) the Master Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of -105- assets and liabilities, or similar proceedings of, or relating to, the Master Servicer or of, or relating to, all or substantially all of the property of the Master Servicer; or (v) the Master Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of, or commence a voluntary case under, any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or (vi) the Master Servicer shall notify the Trustee pursuant to Section 4.04(b) that it is unable to deposit in the Certificate Account an amount equal to the Advance. If an Event of Default described in clauses (i)-(v) of this Section shall occur, then, and in each and every such case, so long as such Event of Default shall not have been remedied, either the Depositor or the Trustee shall at the direction of Holders of Certificates entitled to at least 51% of the Voting Rights, by notice in writing to the Master Servicer (and to the Depositor if given by the Trustee or to the Trustee if given by the Depositor), terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder; provided, however, the successor to the Master Servicer appointed pursuant to Section 7.02 shall have accepted the duties of Master Servicer effective upon the resignation of the Master Servicer. If an Event of Default described in clause (vi) hereof shall occur, the Trustee shall, by notice to the Master Servicer and the Depositor, immediately terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder as provided in Section 4.04(b). On or after the receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates (other than as a Holder thereof) or the Mortgage Loans or otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or the Trustee's designee appointed pursuant to Section 7.02; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master 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 or assignment of the Mortgage Loans and related documents, or otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting the termination of the Master Servicer's responsibilities and rights hereunder, including, without limitation, the transfer to the Trustee or its designee for administration by it of all cash amounts which shall at the time be credited to the Custodial Account or the Certificate Account or thereafter be received with respect to the Mortgage Loans. No such termination shall release the Master Servicer for any liability that it would otherwise have hereunder for any act or omission prior to the effective time of such termination. Notwithstanding any termination of the activities of Residential Funding in its capacity as Master Servicer hereunder, Residential Funding shall be entitled to receive, out of any late collection of a Monthly Payment on a Mortgage Loan which was due prior to the notice -106- terminating Residential Funding's rights and obligations as Master Servicer hereunder and received after such notice, that portion to which Residential Funding would have been entitled pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in respect thereof, and any other amounts payable to Residential Funding hereunder the entitlement to which arose prior to the termination of its activities hereunder. Upon the termination of Residential Funding as Master Servicer hereunder the Depositor shall deliver to the Trustee a copy of the Program Guide. Section 7.02. Trustee or Depositor to Act; Appointment of Successor. (a) On and after the time the Master Servicer receives a notice of termination pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee or, upon notice to the Depositor and with the Depositor's consent (which shall not be unreasonably withheld) a designee (which meets the standards set forth below) of the Trustee, shall be the successor in all respects to the Master Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Master Servicer (except for the responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a), excluding the duty to notify related Subservicers as set forth in such Sections, and its obligations to deposit amounts in respect of losses incurred prior to such notice or termination on the investment of funds in the Custodial Account or the Certificate Account pursuant to Sections 3.07(c) and 4.01(b) by the terms and provisions hereof); provided, however, that any failure to perform such duties or responsibilities caused by the preceding Master Servicer's failure to provide information required by Section 4.04 shall not be considered a default by the Trustee hereunder. As compensation therefor, the Trustee shall be entitled to all funds relating to the Mortgage Loans which the Master Servicer would have been entitled to charge to the Custodial Account or the Certificate Account if the Master Servicer had continued to act hereunder and, in addition, shall be entitled to the income from any Permitted Investments made with amounts attributable to the Mortgage Loans held in the Custodial Account or the Certificate Account. If the Trustee has become the successor to the Master Servicer in accordance with Section 6.04 or Section 7.01, then notwithstanding the above, the Trustee may, if it shall be unwilling to so act, or shall, if it is unable to so act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, which is also a Fannie Mae or Freddie Mac-approved mortgage servicing institution, having a net worth of not less than $10,000,000 as the successor to the Master Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer hereunder. Pending appointment of a successor to the Master Servicer hereunder, the Trustee shall become successor to the Master Servicer and shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the initial Master Servicer hereunder. The Depositor, the Trustee, the Custodian and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Servicing Fee for any successor Master Servicer appointed pursuant to this Section 7.02 will be lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee accrues at a rate of less than 0.50% per annum in the event that the successor Master Servicer is not servicing such Mortgage Loans directly and it is necessary to raise -107- the related Subservicing Fee to a rate of 0.50% per annum in order to hire a Subservicer with respect to such Mortgage Loans. (b) In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor Master Servicer, including the Trustee if the Trustee is acting as successor Master Servicer, shall represent and warrant that it is a member of MERS in good standing and shall agree to comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS, in which case the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to revise its records to reflect the transfer of servicing to the successor Master Servicer as necessary under MERS' rules and regulations, or (ii) the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to execute and deliver an assignment of Mortgage in recordable form to transfer the Mortgage from MERS to the Trustee and to execute and deliver such other notices, documents and other instruments as may be necessary or desirable to effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan on the MERS(R) System to the successor Master Servicer. The predecessor Master Servicer shall file or cause to be filed any such assignment in the appropriate recording office. The predecessor Master Servicer shall bear any and all fees of MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this subsection (b). The successor Master Servicer shall cause such assignment to be delivered to the Trustee or the Custodian promptly upon receipt of the original with evidence of recording thereon or a copy certified by the public recording office in which such assignment was recorded. Section 7.03. Notification to Certificateholders. (a) Upon any such termination or appointment of a successor to the Master Servicer, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register. (b) Within 60 days after the occurrence of any Event of Default, the Trustee shall transmit by mail to all Holders of Certificates notice of each such Event of Default hereunder known to the Trustee, unless such Event of Default shall have been cured or waived as provided in Section 7.04 hereof. Section 7.04. Waiver of Events of Default. The Holders representing at least 66% of the Voting Rights of Certificates affected by a default or Event of Default hereunder may waive any default or Event of Default; provided, however, that (a) a default or Event of Default under clause (i) of Section 7.01 may be waived only by all of the Holders of Certificates affected by such default or Event of Default and (b) no waiver pursuant to this Section 7.04 shall affect the Holders of Certificates in the manner set forth in Section 11.01(b)(i), (ii) or (iii). Upon any such waiver of a default or Event of Default by the Holders representing the requisite percentage of Voting Rights of Certificates affected by such default or Event of Default, such default or Event of Default shall cease to exist and shall be deemed to have -108- been remedied for every purpose hereunder. No such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon except to the extent expressly so waived. -109- ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01. Duties of Trustee. (a) The Trustee, prior to the occurrence of an Event of Default and after the curing of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred (which has not been cured or waived), the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and 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. (b) The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement. The Trustee shall notify the Certificateholders of any such documents which do not materially conform to the requirements of this Agreement in the event that the Trustee, after so requesting, does not receive satisfactorily corrected documents. The Trustee shall forward or cause to be forwarded in a timely fashion the notices, reports and statements required to be forwarded by the Trustee pursuant to Sections 4.03, 4.06, 7.03, and 10.01. The Trustee shall furnish in a timely fashion to the Master Servicer such information as the Master Servicer may reasonably request from time to time for the Master Servicer to fulfill its duties as set forth in this Agreement. The Trustee covenants and agrees that it shall perform its obligations hereunder in a manner so as to maintain the status of each of REMIC I, REMIC II and REMIC III as a REMIC under the REMIC Provisions and to prevent the imposition of any federal, state or local income, prohibited transaction, contribution or other tax on the Trust Fund to the extent that maintaining such status and avoiding such taxes are reasonably within the control of the Trustee and are reasonably within the scope of its duties under this Agreement. (c) No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that: (i) Prior to the occurrence of an Event of Default, and after the curing or waiver of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to -110- the Trustee by the Depositor or the Master Servicer and which on their face, do not contradict the requirements of this Agreement; (ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; (iii) The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of the Certificateholders holding Certificates which evidence, Percentage Interests aggregating not less than 25% of the affected classes as to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (i) and (ii) of Section 7.01 or an Event of Default under clauses (iii), (iv) and (v) of Section 7.01 unless a Responsible Officer of the Trustee assigned to and working in the Corporate Trust Office obtains actual knowledge of such failure or event or the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Master Servicer, the Depositor or any Certificateholder; and (v) Except to the extent provided in Section 7.02, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance) or otherwise incur any personal financial liability in the performance of any of its duties as Trustee hereunder, or in the exercise of any of its rights or powers, if the Trustee shall have reasonable grounds for believing that repayment of funds or adequate indemnity against such risk or liability is not reasonably assured to it. (d) The Trustee shall timely pay, from its own funds, the amount of any and all federal, state and local taxes imposed on the Trust Fund or its assets or transactions including, without limitation, (A) "prohibited transaction" penalty taxes as defined in Section 860F of the Code, if, when and as the same shall be due and payable, (B) any tax on contributions to a REMIC after the Closing Date imposed by Section 860G(d) of the Code and (C) any tax on "net income from foreclosure property" as defined in Section 860G(c) of the Code, but only if such taxes arise out of a breach by the Trustee of its obligations hereunder, which breach constitutes negligence or willful misconduct of the Trustee. Section 8.02. Certain Matters Affecting the Trustee. (a) Except as otherwise provided in Section 8.01: -111- (i) The Trustee may rely and shall be protected in acting or refraining from acting upon any resolution, Officers' Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; (ii) The Trustee may consult with counsel and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel; (iii) The 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 Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the 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 Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured), 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; (iv) The 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; (v) Prior to the occurrence of an Event of Default hereunder and after the curing of all Events of Default which may have occurred, the 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 so to do by the Holders of Certificates of any Class evidencing, as to such Class, Percentage Interests, aggregating not less than 50%; provided, however, that if the payment within a reasonable time to the 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 Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability as a condition to so proceeding. The reasonable expense of every such examination shall be paid by the Master Servicer, if an Event of Default shall have occurred and is continuing, and otherwise by the Certificateholder requesting the investigation; (vi) The Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys provided that the Trustee shall remain liable for any acts of such agents or attorneys; and -112- (vii) To the extent authorized under the Code and the regulations promulgated thereunder, each Holder of a Class R Certificate hereby irrevocably appoints and authorizes the Trustee to be its attorney-in-fact for purposes of signing any Tax Returns required to be filed on behalf of the Trust Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the Master Servicer in a timely manner any Tax Returns prepared by or on behalf of the Master Servicer that the Trustee is required to sign as determined by the Master Servicer pursuant to applicable federal, state or local tax laws, provided that the Master Servicer shall indemnify the Trustee for signing any such Tax Returns that contain errors or omissions. (b) Following the issuance of the Certificates (and except as provided for in Section 3.22(d)), the Trustee shall not accept any contribution of assets to the Trust Fund unless it shall have obtained or been furnished with an Opinion of Counsel to the effect that such contribution will not (i) cause any of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC at any time that any Certificates are outstanding or (ii) cause the Trust Fund to be subject to any federal tax as a result of such contribution (including the imposition of any federal tax on "prohibited transactions" imposed under Section 860F(a) of the Code). Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the execution of the Certificates and relating to the acceptance and receipt of the Mortgage Loans) shall be taken as the statements of the Depositor or the Master Servicer as the case may be, and the Trustee assumes no responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates (except that the Certificates shall be duly and validly executed and authenticated by it as Certificate Registrar) or of any Mortgage Loan or related document, or of MERS or the MERS(R) System. Except as otherwise provided herein, the Trustee shall not be accountable for the use or application by the Depositor or the Master Servicer of any of the Certificates or of the proceeds of such Certificates, or for the use or application of any funds paid to the Depositor or the Master Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the Custodial Account or the Certificate Account by the Depositor or the Master Servicer. Section 8.04. Trustee May Own Certificates. The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Trustee. Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification. (a) The Master Servicer covenants and agrees to pay to the Trustee and any co- trustee from time to time, and the Trustee and any co-trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of -113- a trustee of an express trust) for all services rendered by each of them in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or reimburse the Trustee and any co- trustee upon request for all reasonable expenses, disbursements and advances incurred or made by the Trustee or any co-trustee in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ, and the expenses incurred by the Trustee or any co-trustee in connection with the appointment of an office or agency pursuant to Section 8.12) except any such expense, disbursement or advance as may arise from its negligence or bad faith. (b) The Master Servicer agrees to indemnify the Trustee for, and to hold the Trustee harmless against, any loss, liability or expense incurred without negligence or willful misconduct on its part, arising out of, or in connection with, the acceptance and administration of the Trust Fund, including the costs and expenses (including reasonable legal fees and expenses) of defending itself against any claim in connection with the exercise or performance of any of its powers or duties under this Agreement, provided that: (i) with respect to any such claim, the Trustee shall have given the Master Servicer written notice thereof promptly after the Trustee shall have actual knowledge thereof; (ii) while maintaining control over its own defense, the Trustee shall cooperate and consult fully with the Master Servicer in preparing such defense; and (iii) notwithstanding anything in this Agreement to the contrary, the Master Servicer shall not be liable for settlement of any claim by the Trustee entered into without the prior consent of the Master Servicer which consent shall not be unreasonably withheld. No termination of this Agreement shall affect the obligations created by this Section 8.05(b) of the Master Servicer to indemnify the Trustee under the conditions and to the extent set forth herein. Notwithstanding the foregoing, the indemnification provided by the Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability or expense of the Trustee, including the costs and expenses of defending itself against any claim, incurred in connection with any actions taken by the Trustee at the direction of Certificateholders pursuant to the terms of this Agreement. Section 8.06. Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be a national banking association or a New York banking corporation having its principal office in a state and city acceptable to the Depositor and organized and doing business under the laws of such state or the United States of America, authorized under such laws 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 authority. If -114- such corporation or national banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes 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 Trustee shall cease to be eligible in accordance with the provisions of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07. Section 8.07. Resignation and Removal of the Trustee. (a) The Trustee may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Depositor and the Master Servicer. Upon receiving such notice of resignation, the Depositor shall promptly appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor trustee. If no successor trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation then the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor trustee. (b) If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Depositor, or if at any time the Trustee shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Depositor may remove the Trustee and appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor trustee. In addition, in the event that the Depositor determines that the Trustee has failed (i) to distribute or cause to be distributed to Certificateholders any amount required to be distributed hereunder, if such amount is held by the Trustee or its Paying Agent (other than the Master Servicer or the Depositor) for distribution or (ii) to otherwise observe or perform in any material respect any of its covenants, agreements or obligations hereunder, and such failure shall continue unremedied for a period of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii) above) after the date on which written notice of such failure, requiring that the same be remedied, shall have been given to the Trustee by the Depositor, then the Depositor may remove the Trustee and appoint a successor trustee by written instrument delivered as provided in the preceding sentence. In connection with the appointment of a successor trustee pursuant to the preceding sentence, the Depositor shall, on or before the date on which any such appointment becomes effective, obtain from each Rating Agency written confirmation that the appointment of any such successor trustee will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates. (c) The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee and appoint a successor trustee by written instrument or instruments, in triplicate, signed by such Holders or their attorneys-in-fact duly authorized, one complete set of -115- which instruments shall be delivered to the Depositor, one complete set to the Trustee so removed and one complete set to the successor so appointed. (d) Any resignation or removal of the Trustee and appointment of a successor trustee pursuant to any of the provisions of this Section shall become effective upon acceptance of appointment by the successor trustee as provided in Section 8.08. Section 8.08. Successor Trustee. (a) Any successor trustee appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Depositor and to its predecessor trustee an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee shall become effective and such successor trustee shall become effective and such successor trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with the like effect as if originally named as trustee herein. The predecessor trustee shall deliver to the successor trustee all Mortgage Files and related documents and statements held by it hereunder (other than any Mortgage Files at the time held by a Custodian, which shall become the agent of any successor trustee hereunder), and the Depositor, the Master Servicer and the predecessor trustee shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee all such rights, powers, duties and obligations. (b) No successor trustee shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee shall be eligible under the provisions of Section 8.06. (c) Upon acceptance of appointment by a successor trustee as provided in this Section, the Depositor shall mail notice of the succession of such trustee hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register. If the Depositor fails to mail such notice within 10 days after acceptance of appointment by the successor trustee, the successor trustee shall cause such notice to be mailed at the expense of the Depositor. Section 8.09. Merger or Consolidation of Trustee. Any corporation or national banking association into which the Trustee may be merged or converted or with which it may be consolidated or any corporation or national banking association resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation or national banking association succeeding to the business of the Trustee, shall be the successor of the Trustee hereunder, provided such corporation or national banking association shall be eligible under the provisions of Section 8.06, 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 Trustee shall mail notice of any such merger or consolidation to the Certificateholders at their address as shown in the Certificate Register. -116- Section 8.10. Appointment of Co-Trustee or Separate Trustee. (a) Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Fund or property securing the same may at the time be located, the Master Servicer and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons approved by the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or separate trustees, of all or any part of the Trust Fund, and to vest in such Person or Persons, in such capacity, such title to the Trust Fund, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Master Servicer and the Trustee may consider necessary or desirable. If the Master Servicer shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, or in case an Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 8.06 hereunder and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under Section 8.08 hereof. (b) In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 8.10 all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee, and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Master Servicer hereunder), the 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 Fund or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee at the direction of the Trustee. (c) Any notice, request or other writing given to the 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 the conditions of this Article VIII. 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 Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee. (d) Any separate trustee or co-trustee may, at any time, constitute the 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 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 Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. -117- Section 8.11. Appointment of Custodians. The Trustee may, with the consent of the Master Servicer and the Depositor, appoint one or more Custodians who are not Affiliates of the Depositor or the Master Servicer to hold all or a portion of the Mortgage Files as agent for the Trustee, by entering into a Custodial Agreement. Subject to Article VIII, the Trustee agrees to comply with the terms of each Custodial Agreement and to enforce the terms and provisions thereof against the Custodian for the benefit of the Certificateholders. Each Custodian shall be a depository institution subject to supervision by federal or state authority, shall have a combined capital and surplus of at least $15,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. Each Custodial Agreement may be amended only as provided in Section 11.01. The Trustee shall notify the Certificateholders of the appointment of any Custodian (other than the Custodian appointed as of the Closing Date) pursuant to this Section 8.11. Section 8.12. Appointment of Office or Agency. The Trustee will maintain an office or agency in the City of New York where Certificates may be surrendered for registration of transfer or exchange. The Trustee initially designates its offices located at 450 West 33rd Street, 14th Floor, New York, New York 10001 for the purpose of keeping the Certificate Register. The Trustee will maintain an office at the address stated in Section 11.05(c) hereof where notices and demands to or upon the Trustee in respect of this Agreement may be served. -118- ARTICLE IX TERMINATION Section 9.01. Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans. (a) Subject to Section 9.02, the respective obligations and responsibilities of the Depositor, the Master Servicer and the Trustee created hereby in respect of the Certificates (other than the obligation of the Trustee to make certain payments after the Final Distribution Date to Certificateholders and the obligation of the Depositor to send certain notices as hereinafter set forth) shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to this Article IX following the earlier of: (i) the later of the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, or (ii) the purchase by the Master Servicer of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to 100% of the unpaid principal balance of each Mortgage Loan (or, if less than such unpaid principal balance, the fair market value of the related underlying property of such Mortgage Loan with respect to Mortgage Loans as to which title has been acquired if such fair market value is less than such unpaid principal balance) (net of any unreimbursed Advances attributable to principal) on the day of repurchase, plus accrued interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of any Modified Mortgage Loan), to, but not including, the first day of the month in which such repurchase price is distributed; provided, however, that in no event shall the trust created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof; provided further, that, if the amount due under any Certificate shall not have been reduced to zero prior to the Maturity Date, the Master Servicer shall be required to terminate this Agreement in accordance with this clause (ii); and provided further, that the purchase price set forth above shall be increased as is necessary, as determined by the Master Servicer, to avoid disqualification of any of REMIC I, REMIC II or REMIC III as a REMIC. The right of the Master Servicer to purchase all the assets of the Trust Fund relating to the Mortgage Loans, pursuant to clause (ii) above is conditioned upon the date of such purchase occurring on or after the Step-Up Date. If such right is exercised by the Master Servicer, the Master Servicer shall be deemed to have been reimbursed for the full amount of any unreimbursed Advances theretofore made by it with respect to the Mortgage Loans being purchased. In addition, the Master Servicer shall provide to the Trustee the certification required by Section 3.15 and the Trustee and -119- any Custodian shall, promptly following payment of the purchase price, release to the Master Servicer the Mortgage Files pertaining to the Mortgage Loans being purchased. (b) The Master Servicer shall give the Trustee not less than 60 days' prior notice of the Distribution Date on which the Master Servicer anticipates that the final distribution will be made to Certificateholders (whether as a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund or otherwise). Notice of any termination, specifying the anticipated Final Distribution Date (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Trustee for payment of the final distribution and cancellation, shall be given promptly by the Master Servicer (if it is exercising its right to purchase the assets of the Trust Fund), or by the Trustee (in any other case) by letter to Certificateholders mailed not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying: (i) the anticipated Final Distribution Date upon which final payment of the Certificates is anticipated to be made upon presentation and surrender of Certificates at the office or agency of the Trustee therein designated, (ii) the amount of any such final payment, if known, and (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, and that payment will be made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Master Servicer is obligated to give notice to Certificateholders as aforesaid, it shall give such notice to the Certificate Registrar at the time such notice is given to Certificateholders. In the event such notice is given by the Master Servicer, the Master Servicer shall deposit in the Certificate Account before the Final Distribution Date in immediately available funds an amount equal to the purchase price for the assets of the Trust Fund computed as above provided. The Master Servicer shall provide to the Trustee written notification of any change to the anticipated Final Distribution Date as soon as practicable. If the Trust Fund is not terminated on the anticipated Final Distribution Date, for any reason, the Trustee shall promptly mail notice thereof to each affected Certificateholder. (c) Upon presentation and surrender of the Certificates by the Certificateholders, the Trustee shall distribute to the Certificateholders (i) the amount otherwise distributable on such Distribution Date, if not in connection with the Master Servicer's election to repurchase, or (ii) if the Master Servicer elected to so repurchase, an amount equal to the outstanding Certificate Principal Balance of the Class A, Class M and Class B Certificates, plus Accrued Certificate Interest thereon for the related Interest Accrual Period and any previously unpaid Accrued Certificate Interest. -120- (d) In the event that any Certificateholders shall not surrender their Certificates for final payment and cancellation on or before the Final Distribution Date, the Trustee shall on such date cause all funds in the Certificate Account not distributed in final distribution to Certificateholders to be withdrawn therefrom and credited to the remaining Certificateholders by depositing such funds in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer (if it exercised its right to purchase the assets of the Trust Fund), or the Trustee (in any other case) shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the remaining Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation, the Trustee shall pay to the Master Servicer all amounts distributable to the holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 9.01 and the Certificateholders shall look only to the Master Servicer for such payment. Section 9.02. Additional Termination Requirements. (a) Each of REMIC I, REMIC II and REMIC III, as the case may be, shall be terminated in accordance with the following additional requirements, unless the Trustee and the Master Servicer have received an Opinion of Counsel (which Opinion of Counsel shall not be an expense of the Trustee) to the effect that the failure of any of REMIC I, REMIC II and REMIC III, as the case may be, to comply with the requirements of this Section 9.02 will not (i) result in the imposition on the Trust Fund of taxes on "prohibited transactions," as described in Section 860F of the Code, or (ii) cause any of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC at any time that any Certificate is outstanding: (i) The Master Servicer shall establish a 90-day liquidation period for each of REMIC I, REMIC II and REMIC III, and specify the first day of such period in a statement attached to the Trust Fund's final Tax Return pursuant to Treasury regulations Section 1.860F-1. The Master Servicer also shall satisfy all of the requirements of a qualified liquidation for each of REMIC I, REMIC II and REMIC III, under Section 860F of the Code and the regulations thereunder; (ii) The Master Servicer shall notify the Trustee at the commencement of such 90-day liquidation period and, at or prior to the time of making of the final payment on the Certificates, the Trustee shall sell or otherwise dispose of all of the remaining assets of the Trust Fund in accordance with the terms hereof; and -121- (iii) If the Master Servicer is exercising its right to purchase the assets of the Trust Fund, the Master Servicer shall, during the 90-day liquidation period and at or prior to the Final Distribution Date, purchase all of the assets of the Trust Fund for cash; provided, however, that in the event that a calendar quarter ends after the commencement of the 90-day liquidation period but prior to the Final Distribution Date, the Master Servicer shall not purchase any of the assets of the Trust Fund prior to the close of that calendar quarter. (b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete liquidation for each of REMIC I, REMIC II and REMIC III at the expense of the Trust Fund in accordance with the terms and conditions of this Agreement. -122- ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (a) The REMIC Administrator shall make an election to treat each of REMIC I, REMIC II and REMIC III as a REMIC under the Code and, if necessary, under applicable state law. Such election will be made on Form 1066 or other appropriate federal tax or information return (including Form 8811) or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. The REMIC I Regular Interests shall be designated as the "regular interests" and the Class R-I Certificates shall be designated as the sole class of "residual interests" in the REMIC I. The REMIC II Regular Interests shall be designated as the "regular interests" and the Class R-II Certificates shall be designated as the sole class of "residual interests" in the REMIC II. The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-IO, Class M-1, Class M-2, Class M-3, Class B and Class SB Certificates shall be designated as the "regular interests" in REMIC III and the Class R-III Certificates shall be designated the sole class of "residual interests" in REMIC III. The REMIC Administrator and the Trustee shall not permit the creation of any "interests" (within the meaning of Section 860G of the Code) in the REMIC other than the Certificates. (b) The Closing Date is hereby designated as the "startup day" of each of REMIC I, REMIC II and REMIC III within the meaning of Section 860G(a)(9) of the Code. (c) The REMIC Administrator shall hold a Class R Certificate in each REMIC representing a 0.01% Percentage Interest of the Class R Certificates in each REMIC and shall be designated as the "tax matters person" with respect to each of REMIC I, REMIC II and REMIC III in the manner provided under Treasury regulations section 1.860F-4(d) and Treasury regulations section 301.6231(a)(7)-1. The REMIC Administrator, as tax matters person, shall (i) act on behalf of each of REMIC I, REMIC II and REMIC III in relation to any tax matter or controversy involving the Trust Fund and (ii) represent the Trust Fund in any administrative or judicial proceeding relating to an examination or audit by any governmental taxing authority with respect thereto. The legal expenses, including without limitation attorneys' or accountants' fees, and costs of any such proceeding and any liability resulting therefrom shall be expenses of the Trust Fund and the REMIC Administrator shall be entitled to reimbursement therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 unless such legal expenses and costs are incurred by reason of the REMIC Administrator's willful misfeasance, bad faith or gross negligence. If the REMIC Administrator is no longer the Master Servicer hereunder, at its option the REMIC Administrator may continue its duties as REMIC Administrator and shall be paid reasonable compensation not to exceed $3,000 per year by any successor Master Servicer hereunder for so acting as the REMIC Administrator. (d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax Returns that it determines are required with respect to the REMIC created hereunder and deliver such -123- Tax Returns in a timely manner to the Trustee and the Trustee shall sign and file such Tax Returns in a timely manner. The expenses of preparing such returns shall be borne by the REMIC Administrator without any right of reimbursement therefor. The REMIC Administrator agrees to indemnify and hold harmless the Trustee with respect to any tax or liability arising from the Trustee's signing of Tax Returns that contain errors or omissions. The Trustee and Master Servicer shall promptly provide the REMIC Administrator with such information as the REMIC Administrator may from time to time request for the purpose of enabling the REMIC Administrator to prepare Tax Returns. (e) The REMIC Administrator shall provide (i) to any Transferor of a Class R Certificate such information as is necessary for the application of any tax relating to the transfer of a Class R Certificate to any Person who is not a Permitted Transferee, (ii) to the Trustee and the Trustee shall forward to the Certificateholders such information or reports as are required by the Code or the REMIC Provisions including reports relating to interest, original issue discount, if any, and market discount or premium (using the Prepayment Assumption) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of each REMIC created hereunder. (f) The Master Servicer and the REMIC Administrator shall take such actions and shall cause each REMIC created hereunder to take such actions as are reasonably within the Master Servicer's or the REMIC Administrator's control and the scope of its duties more specifically set forth herein as shall be necessary or desirable to maintain the status thereof as a REMIC under the REMIC Provisions (and the Trustee shall assist the Master Servicer and the REMIC Administrator, to the extent reasonably requested by the Master Servicer and the REMIC Administrator to do so). In performing their duties as more specifically set forth herein, the Master Servicer and the REMIC Administrator shall not knowingly or intentionally take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action reasonably within their respective control and the scope of duties more specifically set forth herein, that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any of REMIC I, REMIC II or REMIC III as a REMIC or (ii) result in the imposition of a tax upon any of REMIC I, REMIC II or REMIC III (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code (except as provided in Section 3.22(d)) and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, in the absence of an Opinion of Counsel or the indemnification referred to in this sentence, an "Adverse REMIC Event") unless the Master Servicer or the REMIC Administrator, as applicable, has received an Opinion of Counsel (at the expense of the party seeking to take such action or, if such party fails to pay such expense, and the Master Servicer or the REMIC Administrator, as applicable, determines that taking such action is in the best interest of the Trust Fund and the Certificateholders, at the expense of the Trust Fund, but in no event at the expense of the Master Servicer, the REMIC Administrator or the Trustee) to the effect that the contemplated action will not, with respect to the Trust Fund created hereunder, endanger such status or, unless the Master Servicer or the REMIC Administrator or both, as applicable, determine in its or their sole discretion to indemnify the Trust Fund against the imposition of such a tax, result in the imposition of such a tax. Wherever in this Agreement a contemplated action may not be taken because the timing of such action might result in the imposition of a tax on the Trust Fund, or may only be taken pursuant to an Opinion of Counsel -124- that such action would not impose a tax on the Trust Fund, such action may nonetheless be taken provided that the indemnity given in the preceding sentence with respect to any taxes that might be imposed on the Trust Fund has been given and that all other preconditions to the taking of such action have been satisfied. The Trustee shall not take or fail to take any action (whether or not authorized hereunder) as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that it has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action. In addition, prior to taking any action with respect to the Trust Fund or its assets, or causing the Trust Fund to take any action, which is not expressly permitted under the terms of this Agreement, the Trustee will consult with the Master Servicer or the REMIC Administrator, as applicable, or its designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to the Trust Fund and the Trustee shall not take any such action or cause the Trust Fund to take any such action as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that an Adverse REMIC Event could occur. The Master Servicer or the REMIC Administrator, as applicable, may consult with counsel to make such written advice, and the cost of same shall be borne by the party seeking to take the action not expressly permitted by this Agreement, but in no event at the expense of the Master Servicer or the REMIC Administrator. At all times as may be required by the Code, the Master Servicer or the REMIC Administrator, as applicable, will to the extent within its control and the scope of its duties more specifically set forth herein, maintain substantially all of the assets of the REMIC as "qualified mortgages" as defined in Section 860G(a)(3) of the Code and "permitted investments" as defined in Section 860G(a)(5) of the Code. (g) In the event that any tax is imposed on "prohibited transactions" of any REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on "net income from foreclosure property" of any REMIC as defined in Section 860G(c) of the Code, on any contributions to any REMIC after the startup day therefor pursuant to Section 860G(d) of the Code, or any other tax imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Master Servicer, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under this Agreement or the Master Servicer has in its sole discretion determined to indemnify the Trust Fund against such tax, (ii) to the Trustee, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article X, or (iii) otherwise against amounts on deposit in the Custodial Account as provided by Section 3.10 and on the Distribution Date(s) following such reimbursement the aggregate of such taxes shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such taxes constituted a Prepayment Interest Shortfall. (h) The Trustee and the Master Servicer shall, for federal income tax purposes, maintain books and records with respect to each REMIC on a calendar year and on an accrual basis or as otherwise may be required by the REMIC Provisions. (i) Following the startup day, neither the Master Servicer nor the Trustee shall accept any contributions of assets to any REMIC unless (subject to Section 10.01(f)) the Master Servicer and the Trustee shall have received an Opinion of Counsel (at the expense of the party seeking to make such contribution) to the effect that the inclusion of such assets in any REMIC will not cause any of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC at any time that -125- any Certificates are outstanding or subject any such REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances. (j) Neither the Master Servicer nor the Trustee shall (subject to Section 10.01(f)) enter into any arrangement by which any of REMIC I, REMIC II or REMIC III will receive a fee or other compensation for services nor permit any of REMIC I, REMIC II or REMIC III to receive any income from assets other than "qualified mortgages" as defined in Section 860G(a)(3) of the Code or "permitted investments" as defined in Section 860G(a)(5) of the Code. (k) Solely for the purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest possible maturity date" by which the principal balance of each regular interest in each REMIC would be reduced to zero is August 25, 2031. (l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare and file with the Internal Revenue Service Form 8811, "Information Return for Real Estate Mortgage Investment Conduits (REMIC) and Issuers of Collateralized Debt Obligations" for the Trust Fund. (m) Neither the Trustee nor the Master Servicer shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the default, imminent default or foreclosure of a Mortgage Loan, including but not limited to, the acquisition or sale of a Mortgaged Property acquired by deed in lieu of foreclosure, (ii) the bankruptcy of the Trust Fund, (iii) the termination of any REMIC pursuant to Article IX of this Agreement or (iv) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement) or acquire any assets for any REMIC or sell or dispose of any investments in the Custodial Account or the Certificate Account for gain, or accept any contributions to any REMIC after the Closing Date unless it has received an Opinion of Counsel that such sale, disposition, substitution or acquisition will not (a) affect adversely the status of any of REMIC I, REMIC II or REMIC III as a REMIC or (b) unless the Master Servicer has determined in its sole discretion to indemnify the Trust Fund against such tax, cause any REMIC to be subject to a tax on "prohibited transactions" or "contributions" pursuant to the REMIC Provisions. (n) The Trustee shall treat the Reserve Fund as an outside reserve fund within the meaning of Treasury Regulation 1.860G-2(h). The Reserve Fund shall be owned by the Class B Certificateholders, and is not an asset of the REMICs. The Trustee shall treat the rights of the Class B Certificateholders to receive payments from the Reserve Fund as rights in an interest rate cap contract written by Residential Funding in favor of the Class B Certificateholders. Thus, each Class B Certificate shall be treated as representing ownership of not only REMIC III regular interests, but also ownership of an interest in an interest rate cap contract. For purposes of determining the issue price of the REMIC III regular interests, the Trustee shall assume that the interest rate cap contract with respect to the Class B Certificates has a de minimis value. Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification. -126- (a) The Trustee agrees to indemnify the Trust Fund, the Depositor, the REMIC Administrator and the Master Servicer for any taxes and costs including, without limitation, any reasonable attorneys fees imposed on or incurred by the Trust Fund, the Depositor or the Master Servicer, as a result of a breach of the Trustee's covenants set forth in Article VIII or this Article X. In the event that Residential Funding is no longer the Master Servicer, the Trustee shall indemnify Residential Funding for any taxes and costs including, without limitation, any reasonable attorneys fees imposed on or incurred by Residential Funding as a result of a breach of the Trustee's covenants set forth in Article VIII or this Article X. (b) The REMIC Administrator agrees to indemnify the Trust Fund, the Depositor, the Master Servicer and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Depositor, the Master Servicer or the Trustee, as a result of a breach of the REMIC Administrator's covenants set forth in this Article X with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the REMIC Administrator that contain errors or omissions; provided, however, that such liability will not be imposed to the extent such breach is a result of an error or omission in information provided to the REMIC Administrator by the Master Servicer in which case Section 10.02(c) will apply. (c) The Master Servicer agrees to indemnify the Trust Fund, the Depositor, the REMIC Administrator and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Depositor or the Trustee, as a result of a breach of the Master Servicer's covenants set forth in this Article X or in Article III with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the Master Servicer that contain errors or omissions. -127- ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (a) This Agreement or any Custodial Agreement may be amended from time to time by the Depositor, the Master Servicer and the Trustee: (i) to cure any ambiguity, (ii) to correct or supplement any provisions herein or therein, which may be inconsistent with any other provisions herein or therein or to correct any error, (iii) to modify, eliminate or add to any of its provisions to such extent as shall be necessary or desirable to maintain the qualification of REMIC I, REMIC II or REMIC III as REMICs at all times that any Certificate is outstanding or to avoid or minimize the risk of the imposition of any tax on the Trust Fund pursuant to the Code that would be a claim against the Trust Fund, provided that the Trustee has received an Opinion of Counsel to the effect that (A) such action is necessary or desirable to maintain such qualification or to avoid or minimize the risk of the imposition of any such tax and (B) such action will not adversely affect in any material respect the interests of any Certificateholder, (iv) to change the timing and/or nature of deposits into the Custodial Account or the Certificate Account or to change the name in which the Custodial Account is maintained, provided that (A) the Certificate Account Deposit Date shall in no event be later than the related Distribution Date, (B) such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and (C) such change shall not result in a reduction of the rating assigned to any Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, (v) to modify, eliminate or add to the provisions of Section 5.02(f) or any other provision hereof restricting transfer of the Class R Certificates by virtue of their being the "residual interests" in the Trust Fund provided that (A) such change shall not result in reduction of the rating assigned to any such Class of Certificates below the lower of the then- current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, and (B) such change shall not, as evidenced by an Opinion of Counsel (at the expense of the party seeking so to modify, eliminate or add such provisions), cause the Trust Fund or any of the Certificateholders -128- (other than the transferor) to be subject to a federal tax caused by a transfer to a Person that is not a Permitted Transferee, or (vi) to make any other provisions with respect to matters or questions arising under this Agreement or such Custodial Agreement which shall not be materially inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and is authorized or permitted under Section 11.01(c). (b) This Agreement or any Custodial Agreement may also be amended from time to time by the Depositor, the Master Servicer, the Trustee and the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall: (i) reduce in any manner the amount of, or delay the timing of, payments which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) adversely affect in any material respect the interest of the Holders of Certificates of any Class in a manner other than as described in clause (i) hereof without the consent of Holders of Certificates of such Class evidencing, as to such Class, Percentage Interests aggregating not less than 66%, or (iii) reduce the aforesaid percentage of Certificates of any Class the Holders of which are required to consent to any such amendment, in any such case without the consent of the Holders of all Certificates of such Class then outstanding. (c) Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel (at the expense of the party seeking such amendment) to the effect that such amendment or the exercise of any power granted to the Master Servicer, the Depositor or the Trustee in accordance with such amendment will not result in the imposition of a federal tax on the Trust Fund or cause REMIC I, REMIC II or REMIC III to fail to qualify as REMICs at any time that any Certificate is outstanding. The Trustee may but shall not be obligated to enter into any amendment pursuant to this Section that affects its rights, duties and immunities and this agreement or otherwise; provided however, such consent shall not be unreasonably withheld. (d) Promptly after the execution of any such amendment the Trustee shall furnish written notification of the substance of such amendment to each Certificateholder. It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of -129- the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe. (e) The Depositor shall have the option, in its sole discretion, to obtain and deliver to the Trustee any corporate guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or any combination of the foregoing, for the purpose of protecting the Holders of the Class R Certificates against any or all Realized Losses or other shortfalls. Any such instrument or fund shall be held by the Trustee for the benefit of the Class R Certificateholders, but shall not be and shall not be deemed to be under any circumstances included in the REMIC. To the extent that any such instrument or fund constitutes a reserve fund for federal income tax purposes, (i) any reserve fund so established shall be an outside reserve fund and not an asset of the REMIC, (ii) any such reserve fund shall be owned by the Depositor, and (iii) amounts transferred by the REMIC to any such reserve fund shall be treated as amounts distributed by the REMIC to the Depositor or any successor, all within the meaning of Treasury regulations Section 1.860G-2(h). In connection with the provision of any such instrument or fund, this Agreement and any provision hereof may be modified, added to, deleted or otherwise amended in any manner that is related or incidental to such instrument or fund or the establishment or administration thereof, such amendment to be made by written instrument executed or consented to by the Depositor and such related insurer but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of the Certificateholders, the Master Servicer or the Trustee, as applicable; provided that the Depositor obtains an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code and (b) any of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC at any time that any Certificate is outstanding. In the event that the Depositor elects to provide such coverage in the form of a limited guaranty provided by General Motors Acceptance Corporation, the Depositor may elect that the text of such amendment to this Agreement shall be substantially in the form attached hereto as Exhibit K (in which case Residential Funding's Subordinate Certificate Loss Obligation as described in such exhibit shall be established by Residential Funding's consent to such amendment) and that the limited guaranty shall be executed in the form attached hereto as Exhibit L, with such changes as the Depositor shall deem to be appropriate; it being understood that the Trustee has reviewed and approved the content of such forms and that the Trustee's consent or approval to the use thereof is not required. Section 11.02. Recordation of Agreement; Counterparts. (a) To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer and at its expense on direction by the Trustee (pursuant to the request of the Holders of Certificates entitled to at least 25% of the Voting Rights), but only upon direction -130- accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders. (b) For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. Section 11.03. Limitation on Rights of Certificateholders. (a) The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or to take any action or proceeding in any court for a partition or winding up of the Trust Fund, nor otherwise affect the rights, obligations and liabilities of any of the parties hereto. (b) No Certificateholder shall have any right to vote (except as expressly provided herein) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof. (c) No Certificateholder shall have any right by virtue of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates of any Class evidencing in the aggregate not less than 25% of the related Percentage Interests of such Class, shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, for 60 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates of any Class shall have any right in any manner whatever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates of such Class or any other Class, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the common benefit of Certificateholders of such Class or all Classes, as the case may be. For the protection and enforcement of the provisions of this Section 11.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity. -131- Section 11.04. Governing Law. This agreement and the Certificates 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 11.05. Notices. All demands and notices 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 (except for notices to the Trustee which shall be deemed to have been duly given only when received), to (a) in the case of the Depositor, 8400 Normandale Lake Boulevard, Suite 250, Minneapolis, Minnesota 55437, Attention: President, or such other address as may hereafter be furnished to the Master Servicer and the Trustee in writing by the Depositor; (b) in the case of the Master Servicer, 2255 North Ontario Street, Burbank, California 91504-3120, Attention: Bond Administration or such other address as may be hereafter furnished to the Depositor and the Trustee by the Master Servicer in writing; (c) in the case of the Trustee, 450 West 33rd Street, 14th Floor, New York, New York 10001, Attention: Residential Asset Mortgage Products Inc. Series 2001-RZ3 or such other address as may hereafter be furnished to the Depositor and the Master Servicer in writing by the Trustee; (d) in the case of Standard & Poor's, 55 Water Street, New York, New York 10041 Attention: Mortgage Surveillance or such other address as may be hereafter furnished to the Depositor, Trustee and Master Servicer by Standard & Poor's; (e) in the case of Moody's, 99 Church Street, New York, New York 10007, Attention: ABS Monitoring Department, or such other address as may be hereafter furnished to the Depositor, the Trustee and the Master Servicer in writing by Moody's, and (f) in the case of Fitch, One State Street Plaza, 32nd Floor, New York, New York 10004, or such other address as may be hereafter furnished to the Depositor, the Trustee and the Master Servicer in writing by Fitch. Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 11.06. Notices to Rating Agencies. The Depositor, the Master Servicer or the Trustee, as applicable, shall notify each Rating Agency and each Subservicer at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of, any of the events described in clause (i), (ii), (iii), (iv), (vii), (viii), (ix) or (x) below or provide a copy to each Rating Agency at such time as otherwise required to be delivered pursuant to this Agreement of any of the statements described in clauses (x) and (vi) below: (i) a material change or amendment to this Agreement, (ii) the occurrence of an Event of Default, -132- (iv) the termination or appointment of a successor Master Servicer or Trustee or a change in the majority ownership of the Trustee, (vi) the filing of any claim under the Master Servicer's blanket fidelity bond and the errors and omissions insurance policy required by Section 3.12 or the cancellation or modification of coverage under any such instrument, (viii) the statement required to be delivered to the Holders of each Class of Certificates pursuant to Section 4.03, (x) the statements required to be delivered pursuant to Sections 3.18 and 3.19, (xii)a change in the location of the Custodial Account or the Certificate Account, (xiv) the occurrence of any monthly cash flow shortfall to the Holders of any Class of Certificates resulting from the failure by the Master Servicer to make an Advance pursuant to Section 4.04, (xvi) the occurrence of the Final Distribution Date, and (xviii)the repurchase of or substitution for any Mortgage Loan, provided, however, that with respect to notice of the occurrence of the events described in clauses (iv), (vii) or (viii) above, the Master Servicer shall provide prompt written notice to each Rating Agency and the Subservicer of any such event known to the Master Servicer. Section 11.08. 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 of the Certificates or the rights of the Holders thereof. Section 11.10. Supplemental Provisions for Resecuritization. (b) This Agreement may be supplemented by means of the addition of a separate Article hereto (a "Supplemental Article") for the purpose of resecuritizing any of the Certificates issued hereunder, under the following circumstances. With respect to any Class or Classes of Certificates issued hereunder, or any portion of any such Class, as to which the Depositor or any of its Affiliates (or any designee thereof) is the registered Holder (the "Resecuritized Certificates"), the Depositor may deposit such Resecuritized Certificates into a new REMIC, grantor trust, FASIT or -133- custodial arrangement (a "Restructuring Vehicle") to be held by the Trustee pursuant to a Supplemental Article. The instrument adopting such Supplemental Article shall be executed by the Depositor, the Master Servicer and the Trustee; provided, that neither the Master Servicer nor the Trustee shall withhold their consent thereto if their respective interests would not be materially adversely affected thereby. To the extent that the terms of the Supplemental Article do not in any way affect any provisions of this Agreement as to any of the Certificates initially issued hereunder, the adoption of the Supplemental Article shall not constitute an "amendment" of this Agreement. Each Supplemental Article shall set forth all necessary provisions relating to the holding of the Resecuritized Certificates by the Trustee, the establishment of the Restructuring Vehicle, the issuing of various classes of new certificates by the Restructuring Vehicle and the distributions to be made thereon, and any other provisions necessary to the purposes thereof. In connection with each Supplemental Article, the Depositor shall deliver to the Trustee an Opinion of Counsel to the effect that (i) the Restructuring Vehicle will qualify as a REMIC, grantor trust, FASIT or other entity not subject to taxation for federal income tax purposes and (ii) the adoption of the Supplemental Article will not endanger the status of any of REMIC I, REMIC II or REMIC III as a REMIC or result in the imposition of a tax upon the Trust Fund (including but not limited to the tax on prohibited transaction as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC as set forth in Section 860G(d) of the Code. -134- IN WITNESS WHEREOF, the Depositor, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized and their respective seals, duly attested, to be hereunto affixed, all as of the date and year first above written. RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. [Seal] By: ----------------------------- Name: Julie Steinhagen Title: Vice President Attest: ------------------------------- Name: Randy Van Zee Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: ----------------------------- Name: Randy Van Zee Title: Director Attest: --------------------------------------- Name: Julie Steinhagen Title: Director THE CHASE MANHATTAN BANK, as Trustee [Seal] By: ----------------------------- Name: Mark McDermott Title: Assistant Vice President Attest: --------------------------------------- Name: Title: -135- STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of August, 2001, before me, a notary public in and for said State, personally appeared Julie Steinhagen, known to me to be a Vice President of Residential Asset Mortgage Products, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. --------------------------- Notary Public [Notarial Seal] -136- STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of August, 2001, before me, a notary public in and for said State, personally appeared Randy Van Zee, known to me to be a Director of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. ------------------------ Notary Public [Notarial Seal] -137- STATE OF NEW YORK ) ) ss.: COUNTY OF NEW YORK ) On the 29th day of August, 2001, before me, a notary public in and for said State, personally appeared Mark McDermott, known to me to be a Assistant Vice President of The Chase Manhattan Bank, a national banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. ------------------------ Notary Public [Notarial Seal] EXHIBIT A FORM OF CLASS A CERTIFICATE SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986. A-1 Class A-[__] Senior Certificate No. 1 [__%] Pass-Through Rate Date of Pooling and Servicing Agreement and Cut-off Date: Percentage Interest: 100% August 1, 2001 First Distribution Date: Aggregate Initial [Certificate Principal September 25, 2001 Balance][Notional Amount] of the Class A-[__] Certificates: $__________ [initially] Master Servicer: Residential Funding Corporation Initial [Certificate Principal Balance] [Notional Amount] of this Class A-[__] Certificate: Final Scheduled Distribution Date: $__________ [initially] ---------------- Maturity Date: CUSIP ____________ August 25, 2031 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ3 evidencing a percentage interest in the distributions allocable to the Class A-[__] Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Depositor, the Master Servicer, GMAC Mortgage Group, Inc. 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 Cede & Co. is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Depositor, the Master Servicer and The Chase Manhattan Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions A-2 of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, 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 immediately preceding the month of such distribution (the "Record Date"), from the related Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any, required to be distributed to Holders of Class A-[__] Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial [Certificate Principal Balance][Notional Amount] of this Certificate is set forth above. The [Certificate Principal Balance][Notional Amount] hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans and the Policy, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement from time to time by A-3 the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder'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 or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee, and the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Master Servicer or the Depositor from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the related Certificates. The Agreement permits, but does not require, the Master Servicer (i) to purchase, at a price determined as provided in the Agreement, all remaining Mortgage A-4 Loans and all property acquired in respect of any Mortgage Loan or (ii) to purchase in whole, but not in part, all of the Class A Certificates from the Holders thereof; provided, that any such option may only be exercised if the aggregate Stated Principal Balance of the Mortgage Loans, as applicable, as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans, as applicable. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. A-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. THE CHASE MANHATTAN BANK, as Trustee By: ---------------------------- Authorized Signatory Dated: August 29, 2001 CERTIFICATE OF AUTHENTICATION This is one of the Class A-[__] Certificates referred to in the within-mentioned Agreement. THE CHASE MANHATTAN BANK, as Certificate Registrar By: ---------------------------- Authorized Signatory A-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) the beneficial interest evidenced by the within Trust Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: Dated: ________________________ ____________________________________ Signature by or on behalf of assignor ________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ____________________________ account number ____________________________ or if mailed by check to________________________. Applicable statements should be mailed to ____________________________. This information is provided by _______________________, the assignee named above, or______________________________, as its agent. A-7 EXHIBIT B-1 FORM OF CLASS M-[__] CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A AND CLASS R CERTIFICATES AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE 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. NO TRANSFER OF THIS CLASS M CERTIFICATE WILL BE MADE UNLESS EITHER (A) AN OPINION OF COUNSEL ACCEPTABLE TO AND IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, THE COMPANY AND THE MASTER SERVICER WITH RESPECT TO THE PERMISSIBILITY OF SUCH TRANSFER UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") AND SECTION 4975 OF THE CODE AND STATING, AMONG OTHER THINGS, THAT THE TRANSFEREE'S ACQUISITION OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE DEPOSITOR, THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE DEPOSITOR, THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND OR (B) A REPRESENTATION LETTER, IN THE FORM DESCRIBED IN THE AGREEMENT, EITHER STATING THAT THE TRANSFEREE IS NOT AN EMPLOYEE BENEFIT OR OTHER PLAN SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA OR SECTION 4975 OF THE CODE (A "PLAN"), OR ANY OTHER PERSON (INCLUDING AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY PLAN) ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF OF OR PURCHASING ANY CERTIFICATE WITH "PLAN ASSETS" OF ANY B-1-1 PLAN (A "PLAN INVESTOR"), OR STATING THAT (I) THE TRANSFEREE IS AN INSURANCE COMPANY, (II) THE SOURCE OF FUNDS TO BE USED BY IT TO PURCHASE THE CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (WITHIN THE MEANING OF DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION ("PTCE") 95-60), AND (III) THE CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (B), A "COMPLYING INSURANCE COMPANY"). NOTWITHSTANDING THE ABOVE, WITH RESPECT TO THE TRANSFER OF THIS CERTIFICATE TO A DEPOSITORY OR ANY SUBSEQUENT TRANSFER OF ANY INTEREST IN THIS CERTIFICATE FOR SO LONG AS THIS CERTIFICATE IS HELD BY A DEPOSITORY, (I) NEITHER AN OPINION OF COUNSEL NOR A CERTIFICATION, EACH AS DESCRIBED IN THE FOREGOING PARAGRAPH, SHALL BE REQUIRED, AND (II) THE FOLLOWING CONDITIONS SHALL APPLY: 1. ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) THAT EITHER (A) SUCH TRANSFEREE IS NOT A PLAN INVESTOR OR (B) SUCH TRANSFEREE IS A COMPLYING INSURANCE COMPANY; AND 2. IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD IN VIOLATION OF THE PROVISIONS OF THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR OR (II) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE. ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 5.02(F) OF THE POOLING AND SERVICING AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE MASTER SERVICER, ANY SUBSERVICER, AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING. B-1-2 Certificate No. 1 ____% Pass-Through Rate Class M-[__] Mezzanine Aggregate Certificate Principal Balance of the Class M-[__] Certificates: $_________________ Date of Pooling and Servicing Initial Certificate Principal Balance of this Agreement and Cut-off Date: Certificate: August 1, 2001 $__________ First Distribution Date: CUSIP _________ September 25, 2001 Master Servicer: Residential Funding Corporation Final Scheduled Distribution Date: August 25, 2031 Maturity Date: August 25, 2031 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ3 evidencing a percentage interest in the distributions allocable to the Class M-[__] Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Depositor, the Master Servicer, GMAC Mortgage Group, Inc. 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 Cede & Co. is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement B-1-3 referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Depositor, the Master Servicer and The Chase Manhattan Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, 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 immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class M-1 Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. As described above, no transfer of this Class M Certificate will be made unless (i) the Trustee has received either an opinion of counsel or a representation letter, each as described in the Agreement, relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, or (ii) this Certificate is held by a Depository, in which case the Transferee will be deemed to have made representations relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, as described in Section 5.02(f) of the Agreement. In addition, any purported Certificate Owner whose acquisition or holding of this Certificate (or interest herein) was effected in violation of the restrictions in Section 5.02(f) of the Agreement shall indemnify and hold harmless the Depositor, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). B-1-4 The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder'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 or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither B-1-5 the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or the Depositor from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer or the Depositor to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. B-1-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: August 29, 2001 THE CHASE MANHATTAN BANK, as Trustee By: -------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M-[__] Certificates referred to in the within-mentioned Agreement. THE CHASE MANHATTAN BANK, as Certificate Registrar By: --------------------------------- Authorized Signatory B-1-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: Dated: ________________________ ____________________________________ Signature by or on behalf of assignor ________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ____________________________ account number ____________________________ or if mailed by check to________________________. Applicable statements should be mailed to ____________________________. This information is provided by _______________________, the assignee named above, or______________________________, as its agent. B-1-8 EXHIBIT B-2 FORM OF RULE 144A CLASS B CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A AND CLASS R CERTIFICATES AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). THE CERTIFICATES DESCRIBED HEREIN MAY ONLY BE OFFERED TO "QUALIFIED INSTITUTIONAL BUYERS" AS DEFINED UNDER RULE 144A. NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST HEREIN SHALL BE MADE TO ANY PLAN SUBJECT TO ERISA OR SECTION 4975 OF THE CODE, ANY 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 REGULATION PROMULGATED AT 29 C.F.R. SS.2510.3-101 ("PLAN ASSETS") UNLESS EITHER (I) THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER ARE PROVIDED WITH AN OPINION OF COUNSEL WHICH ESTABLISHES TO THE SATISFACTION OF THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER THAT THE PURCHASE OF THIS CERTIFICATE 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 MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE DEPOSITOR, THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND OR (II) THE TRUSTEE IS PROVIDED WITH A CERTIFICATION PURSUANT TO SECTION 5.02(E) OF THE AGREEMENT IN THE FORM OF EXHIBIT P TO THE AGREEMENT, WHICH THE TRUSTEE MAY RELY UPON WITHOUT FURTHER INQUIRY OR INVESTIGATION. B-2-1 Certificate No. 1 ____% Pass-Through Rate Class B Aggregate Certificate Principal Balance of the Class B Certificates: $______________ Date of Pooling and Servicing Initial Certificate Principal Balance of this Agreement and Cut-off Date: Certificate: August 1, 2001 $__________ First Distribution Date: CUSIP _________ September 25, 2001 Master Servicer: Residential Funding Corporation Final Scheduled Distribution Date: August 25, 2031 Maturity Date: August 25, 2031 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ3 evidencing a percentage interest in the distributions allocable to the Class B Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Depositor, the Master Servicer, GMAC Mortgage Group, Inc. 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 Cede & Co. is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement B-2-2 referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Depositor, the Master Servicer and The Chase Manhattan Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, 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 immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class B Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. No transfer of this Class B Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Depositor may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee 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 of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Depositor, the Master Servicer and the Certificate Registrar acting on behalf of the Trustee 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 this Certificate or any interest herein shall be made to any Plan subject to ERISA or Section 4975 of the Code, any Person acting, directly or indirectly, on behalf of any B-2-3 such Plan or any Person acquiring such Certificates with "plan assets" of a Plan within the meaning of the Department of Labor regulation promulgated at 29 C.F.R. ss.2510.3-101 ("Plan Assets") unless the Depositor, the Trustee and the Master Servicer are provided with an Opinion of Counsel which establishes to the satisfaction of the Depositor, the Trustee and the Master Servicer that the purchase of this Certificate 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 Master Servicer, the Trustee or the Trust Fund to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Master Servicer, the Trustee or the Trust Fund. 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 this Certificate with Plan Assets of a Plan may provide a certification in the form of Exhibit P to the Agreement, which the Trustee may rely upon without further inquiry or investigation. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written B-2-4 instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder'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 or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer or the Depositor from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer or the Depositor to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. B-2-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: August 29, 2001 THE CHASE MANHATTAN BANK, as Trustee By: --------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class B Certificates referred to in the within-mentioned Agreement. THE CHASE MANHATTAN BANK, as Certificate Registrar By: --------------------------------- Authorized Signatory B-2-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: Dated: ________________________ ____________________________________ Signature by or on behalf of assignor ________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ____________________________ account number ____________________________ or if mailed by check to________________________. Applicable statements should be mailed to ____________________________. This information is provided by _______________________, the assignee named above, or______________________________, as its agent. B-2-7 EXHIBIT C FORM OF CLASS SB CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A AND CLASS M CERTIFICATES AS DESCRIBED IN THE AGREEMENT (AS DEFINED HEREIN). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986. 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 LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT (THE "AGREEMENT"). NO TRANSFER OF THIS CERTIFICATE OR ANY INTEREST HEREIN SHALL BE MADE TO ANY PLAN SUBJECT TO ERISA OR SECTION 4975 OF THE CODE, ANY 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 REGULATION PROMULGATED AT 29 C.F.R. ss.2510.3-101 ("PLAN ASSETS") UNLESS EITHER (I) THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER ARE PROVIDED WITH AN OPINION OF COUNSEL WHICH ESTABLISHES TO THE SATISFACTION OF THE DEPOSITOR, THE TRUSTEE AND THE MASTER SERVICER THAT THE PURCHASE OF THIS CERTIFICATE 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 MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND TO ANY OBLIGATION OR LIABILITY (INCLUDING OBLIGATIONS OR LIABILITIES UNDER ERISA OR SECTION 4975 OF THE CODE) IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT, WHICH OPINION OF COUNSEL SHALL NOT BE AN EXPENSE OF THE DEPOSITOR, THE MASTER SERVICER, THE TRUSTEE OR THE TRUST FUND OR (II) THE TRUSTEE IS PROVIDED WITH A CERTIFICATION PURSUANT TO SECTION 5.02(F) OF THE AGREEMENT IN THE FORM OF EXHIBIT O TO THE AGREEMENT, WHICH THE TRUSTEE MAY RELY UPON WITHOUT FURTHER INQUIRY OR INVESTIGATION. C-1 Certificate No. 1 Class SB Subordinate Date of Pooling and Servicing Percentage Interest: 100% and Cut-off Date: August 1, 2001 First Distribution Date: Aggregate Initial Certificate Principal Balance September 25, 2001 of the Class SB Certificates: $_________________ Master Servicer: Initial Certificate Principal Balance Residential Funding Corporation of this Certificate: $___________ Final Scheduled Distribution Date:CUSIP: ____________ August 25, 2031 Maturity Date: August 25, 2031 MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ3 evidencing a percentage interest in the distributions allocable to the Class SB Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans sold by RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or any of their affiliates. None of the Depositor, the Master Servicer 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 Auer & Co. is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed and adjustable interest rate, first and second lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Depositor, the Master Servicer C-2 and The Chase Manhattan Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, 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 immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any, required to be distributed to Holders of Class SB-I Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Notional Amount of this Class SB Certificate as of any date of determination will be calculated as described in the Agreement. The Notional Amount hereof will be reduced by interest shortfalls on the Mortgage Loans including any Prepayment Interest Shortfalls not covered by Compensating Interest or Excess Cash Flow, and the interest portion of any Realized Losses incurred in respect thereof. This Class SB Certificate will accrue interest at the Pass-Through Rate on the Notional Amount as indicated in the definition of Accrued Certificate Interest in the Agreement. This Class SB Certificate will not accrue interest on its Certificate Principal Balance. No transfer of this Class SB Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Depositor may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee 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 of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Depositor, the Master Servicer and the Certificate Registrar acting on behalf of the Trustee 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. C-3 No transfer of this Certificate or any interest herein shall be made to any Plan subject to ERISA or Section 4975 of the Code, any 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 regulation promulgated at 29 C.F.R. ss.2510.3-101 ("Plan Assets") unless the Depositor, the Trustee and the Master Servicer are provided with an Opinion of Counsel which establishes to the satisfaction of the Depositor, the Trustee and the Master Servicer that the purchase of this Certificate 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 Master Servicer, the Trustee or the Trust Fund to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Master Servicer, the Trustee or the Trust Fund. 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 this Certificate with Plan Assets of a Plan may provide a certification in the form of Exhibit O to the Agreement, which the Trustee may rely upon without further inquiry or investigation. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement from time to time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for C-4 registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder'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 or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Master Servicer or the Depositor from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer (i) to purchase, at a price determined as provided in the Agreement, all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) to purchase in whole, but not in part, all of the Class A and Class SB Certificates from the Holders thereof; provided, that any such option may only be exercised if the aggregate Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. C-5 Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. C-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: August 29, 2001 THE CHASE MANHATTAN BANK, as Trustee By: ---------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class SB Certificates referred to in the within-mentioned Agreement. THE CHASE MANHATTAN BANK, as Certificate Registrar By: ---------------------------- Authorized Signatory C-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto: (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: Dated: ________________________ ____________________________________ Signature by or on behalf of assignor ________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ____________________________ account number ____________________________ or if mailed by check to________________________. Applicable statements should be mailed to ____________________________. This information is provided by _______________________, the assignee named above, or______________________________, as its agent. C-8 EXHIBIT D FORM OF CLASS R CERTIFICATE THE CLASS [R-I] [R-II] [R-III] CERTIFICATE WILL NOT BE ENTITLED TO PAYMENTS CONSTITUTING THE AVAILABLE DISTRIBUTION AMOUNT UNTIL SUCH TIME AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN (THE "AGREEMENT"). THIS CLASS [R-I] [R-II] [R-III] CERTIFICATE IS SUBORDINATE TO THE CLASS A CERTIFICATES, TO THE EXTENT DESCRIBED HEREIN AND IN THE AGREEMENT. THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). 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 LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT (THE "AGREEMENT"). NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(F) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE DEPOSITOR AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE DEPOSITOR OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING, (B) ANY ORGANIZATION (OTHER THAN A COOPERATIVE DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS D-1 EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE, (C) ANY ORGANIZATION DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B) OR (C) BEING HEREIN REFERRED TO AS A "DISQUALIFIED ORGANIZATION") OR (D) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH. D-2 Class [R-I] [R-II] [R-III] Certificate No. 1 Date of Pooling and Servicing Percentage Interest: 100% Agreement and Cut-off Date: August 1, 2001 First Distribution Date: Initial Certificate Principal September 25, 2001 Balance of this Certificate: $0.00 Master Servicer: CUSIP:____________ Residential Funding Corporation MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES 2001-RZ3 evidencing a percentage interest in any distributions allocable to the Class [R-I] [R- II] [R-III] Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans sold by RESIDENTIAL MORTGAGE PRODUCTS, INC. This Certificate is payable solely from the assets of the Trust Fund and does not represent an obligation of or interest in Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee referred to below or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Asset Mortgage Products, Inc., the Master Servicer, the Trustee or any of their affiliates. None of the Depositor, the Master Servicer 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 _________________ is the registered owner of the Percentage Interest evidenced by this Certificate in certain distributions with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate, first lien mortgage loans (the "Mortgage Loans"), sold by Residential Asset Mortgage Products, Inc. (hereinafter called the "Depositor," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Depositor, the Master Servicer and The Chase Manhattan Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, 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 immediately preceding D-3 the month of such distribution (the "Record Date"), from the related Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount of interest and principal, if any, required to be distributed to Holders of Class R Certificates on such Distribution Date. Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a United States Person and a Permitted Transferee, (ii) the transfer of any Ownership Interest in this Certificate will be conditioned upon the delivery to the Trustee of, among other things, an affidavit to the effect that it is a United States Person and Permitted Transferee, (iii) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee, and (iv) if any person other than a United States Person and a Permitted Transferee acquires any Ownership Interest in this Certificate in violation of such restrictions, then the Master Servicer will have the right, in its sole discretion and without notice to the Holder of this Certificate, to sell this Certificate to a purchaser selected by the Master Servicer, which purchaser may be the Master Servicer, or any affiliate of the Master Servicer, on such terms and conditions as the Master Servicer may choose. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Holder of this Certificate may have additional obligations with respect to this Certificate, including tax liabilities. No transfer of this Class [R-I] [R-II] [R-III] Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Depositor may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee 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 of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Depositor, the Master Servicer and the Certificate Registrar acting on behalf of the Trustee 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 this Certificate or any interest herein shall be made to any Plan subject to ERISA or Section 4975 of the Code, any 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 regulation promulgated at 29 C.F.R. ss.2510.3-101 ("Plan Assets") unless the Depositor, the Trustee and the Master Servicer are provided with an Opinion of Counsel which establishes to the satisfaction of the Depositor, the Trustee and the Master Servicer that the purchase of this Certificate 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 Master D-4 Servicer, the Trustee or the Trust Fund to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Agreement, which Opinion of Counsel shall not be an expense of the Depositor, the Master Servicer, the Trustee or the Trust Fund. 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 this Certificate with Plan Assets of a Plan may provide a certification in the form of paragraph fourteen of Exhibit H-1 to the Agreement, which the Trustee may rely upon without further inquiry or investigation. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Depositor and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Depositor, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement from time to time by the Depositor, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder'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 or transferees. D-5 The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Depositor, the Master Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Depositor, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Master Servicer or the Depositor from the Trust Fund of all remaining Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the related Certificates. The Agreement permits, but does not require, the Master Servicer (i) to purchase, at a price determined as provided in the Agreement, all remaining Loans and all property acquired in respect of any Mortgage Loan or (ii) to purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the aggregate Stated Principal Balance of the Loans, as applicable, as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Loans, as applicable. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. D-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. THE CHASE MANHATTAN BANK, as Trustee By: ----------------------------- Authorized Signatory Dated: August 29, 2001 CERTIFICATE OF AUTHENTICATION THE CHASE MANHATTAN BANK, as Certificate Registrar By: --------------------------- Authorized Signatory This is one of the Class [R-I] [R-II] [R-III] Certificates referred to in the within-mentioned Agreement. ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) the beneficial interest evidenced by the within Trust Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: Dated: ________________________ ____________________________________ Signature by or on behalf of assignor ________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ____________________________ account number ____________________________ or if mailed by check to________________________. Applicable statements should be mailed to ____________________________. This information is provided by _______________________, the assignee named above, or______________________________, as its agent. EXHIBIT E FORM OF CUSTODIAL AGREEMENT THIS CUSTODIAL AGREEMENT (as amended and supplemented from time to time, the "Agreement"), dated as of August 1, 2001, by and among THE CHASE MANHATTAN BANK, as trustee (including its successors under the Pooling Agreement defined below, the "Trustee"), RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., as company (together with any successor in interest, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with any successor in interest or successor under the Pooling Agreement referred to below, the "Master Servicer") and WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, as custodian (together with any successor in interest or any successor appointed hereunder, the "Custodian"). W I T N E S S E T H T H A T : - - - - - - - - - - - - - - WHEREAS, the Company, the Master Servicer, and the Trustee have entered into a Pooling and Servicing Agreement, dated as of August 1, 2001, relating to the issuance of Residential Asset Mortgage Products, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3 (as in effect on the date of this Agreement, the "Original Pooling Agreement," and as amended and supplemented from time to time, the "Pooling Agreement"); and WHEREAS, the Custodian has agreed to act as agent for the Trustee for the purposes of receiving and holding certain documents and other instruments delivered by the Company and the Master Servicer under the Pooling Agreement, all upon the terms and conditions and subject to the limitations hereinafter set forth; NOW, THEREFORE, in consideration of the premises and the mutual covenants and agreements hereinafter set forth, the Trustee, the Company, the Master Servicer and the Custodian hereby agree as follows: 1. Definitions Capitalized terms used in this Agreement and not defined herein shall have the meanings assigned in the Original Pooling Agreement, unless otherwise required by the context herein. E-1 2. Custody of Mortgage Documents a. Custodian to Act as Agent; Acceptance of Mortgage Files. The Custodian, as the duly appointed agent of the Trustee for these purposes, acknowledges receipt of the Mortgage Files relating to the Mortgage Loans identified on the schedule attached hereto (the "Mortgage Files") and declares that it holds and will hold the Mortgage Files as agent for the Trustee, in trust, for the use and benefit of all present and future Certificateholders. b. Recordation of Assignments. If any Mortgage File includes one or more assignments of the related Mortgages to the Trustee that have not been recorded, each such assignment shall be delivered by the Custodian to the Company for the purpose of recording it in the appropriate public office for real property records, and the Company, at no expense to the Custodian, shall promptly cause to be recorded in the appropriate public office for real property records each such assignment and, upon receipt thereof from such public office, shall return each such assignment to the Custodian. c. Review of Mortgage Files. i. On or prior to the Closing Date, the Custodian shall deliver to the Trustee an Initial Certification in the form annexed hereto as Exhibit One evidencing receipt of a Mortgage File for each Mortgage Loan listed on the Schedule attached hereto (the "Mortgage Loan Schedule"). The parties hereto acknowledge that certain documents referred to in Subsection 2.01(b)(i) of the Pooling Agreement may be missing on or prior to the Closing Date and such missing documents shall be listed as a Schedule to Exhibit One. ii. In the event that any Mortgage Note has been delivered to the Custodian by the Company endorsed to blank, the Custodian, upon the direction of the Company, shall cause each such Mortgage Note to be endorsed to the Trustee prior to the date on which the Interim Certification is delivered to the Trustee. Within 45 days of the Closing Date, the Custodian agrees, for the benefit of Certificateholders, to review in accordance with the provisions of Section 2.02 of the Pooling Agreement each Mortgage File and to deliver to the Trustee an Interim Certification in the form annexed hereto as Exhibit Two to the effect that all documents required to be delivered pursuant to Section 2.01(b) of the Pooling Agreement have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except for any exceptions listed on Schedule A attached to such Interim Certification. For purposes of such review, the Custodian shall compare the following information in each Mortgage File to the corresponding information in the Mortgage Loan Schedule: (i) the loan number, (ii) the borrower name and (iii) the original principal balance. The Custodian shall be under no duty or obligation to inspect, review or examine said documents, instruments, certificates or other papers to determine that the same are genuine, enforceable, or appropriate for the represented purpose or that they have actually been recorded or that they are other than what they purport to be on their face, or that the MIN is accurate. If in performing the review required by this Section 2.3 the Custodian finds any document or documents constituting a part of a Mortgage File to be missing or defective in respect of the items reviewed as described in this Section 2.3(b), the Custodian shall promptly so notify the Company, the Master Servicer and the Trustee. E-2 iii. Upon receipt of all documents required to be in the Mortgage Files the Custodian shall deliver to the Trustee a Final Certification in the form annexed hereto as Exhibit Three evidencing the completeness of the Mortgage Files. Upon receipt of written request from the Trustee, the Company or the Master Servicer, the Custodian shall as soon as practicable supply the Trustee with a list of all of the documents relating to the Mortgage Loans required to be delivered pursuant to Section 2.01(b) of the Pooling Agreement not then contained in the Mortgage Files. d. Notification of Breaches of Representations and Warranties. Upon discovery by the Custodian of a breach of a representation or warranty made by the Master Servicer or the Company as set forth in the Pooling Agreement with respect to a Mortgage Loan relating to a Mortgage File, the Custodian shall give prompt written notice to the Company, the Master Servicer and the Trustee. e. Custodian to Cooperate; Release of Mortgage Files. Upon the repurchase or substitution of any Mortgage Loan pursuant to Article II of the Pooling Agreement or payment in full of any Mortgage Loan, or the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer shall immediately notify the Custodian by delivering to the Custodian a Request for Release (in the form of Exhibit Four attached hereto or a mutually acceptable electronic form) and shall request delivery to it of the Mortgage File. The Custodian agrees, upon receipt of such Request for Release, promptly to release to the Master Servicer the related Mortgage File. Upon written notification of a substitution, the Master Servicer shall deliver to the Custodian and the Custodian agrees to accept the Mortgage Note and other documents constituting the Mortgage File with respect to any Qualified Substitute Mortgage Loan, upon receiving written notification from the Master Servicer of such substitution. Upon receipt of a Request for Release from the Master Servicer, signed by a Servicing Officer, that (i) the Master Servicer or a Subservicer, as the case may be, has made a deposit into the Certificate Account in payment for the purchase of the related Mortgage Loan in an amount equal to the Purchase Price for such Mortgage Loan or (ii) the Company has chosen to substitute a Qualified Substitute Mortgage Loan for such Mortgage Loan, the Custodian shall release to the Master Servicer the related Mortgage File. From time to time as is appropriate for the servicing or foreclosures of any Mortgage Loan, including, for this purpose, collection under any Primary Insurance Policy or any Mortgage Pool Insurance Policy, the Master Servicer shall deliver to the Custodian a Request for Release certifying as to the reason for such release. Upon receipt of the foregoing, the Custodian shall deliver the Mortgage File or such document to the Master Servicer. The Master Servicer shall cause each Mortgage File or any document therein so released to be returned to the Custodian when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Custodial Account or (ii) the Mortgage File or such document has been delivered to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered to the Custodian an updated Request for Release signed by a E-3 Servicing Officer certifying as to the name and address of the Person to which such Mortgage File or such document was delivered and the purpose or purposes of such delivery. Immediately upon receipt of any Mortgage File returned to the Custodian by the Master Servicer, the Custodian shall deliver a signed acknowledgment to the Master Servicer, confirming receipt of such Mortgage File. Upon the request of the Master Servicer, the Custodian will send to the Master Servicer copies of any documents contained in the Mortgage File. f. Assumption Agreements. In the event that any assumption agreement or substitution of liability agreement is entered into with respect to any Mortgage Loan subject to this Agreement in accordance with the terms and provisions of the Pooling Agreement, the Master Servicer shall notify the Custodian that such assumption or substitution agreement has been completed by forwarding to the Custodian the original of such assumption or substitution agreement, which shall be added to the related Mortgage File and, for all purposes, shall be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting parts thereof. 3. Concerning the Custodian a. Custodian a Bailee and Agent of the Trustee. With respect to each Mortgage Note, Mortgage and other documents constituting each Mortgage File which are delivered to the Custodian, the Custodian is exclusively the bailee and agent of the Trustee and has no instructions to hold any Mortgage Note or Mortgage for the benefit of any person other than the Trustee and the Certificateholders and undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. Except upon compliance with the provisions of Section 2.5 of this Agreement, no Mortgage Note, Mortgage or other document constituting a part of a Mortgage File shall be delivered by the Custodian to the Company or the Master Servicer or otherwise released from the possession of the Custodian. The Master Servicer shall promptly notify the Custodian in writing if it shall no longer be a member of MERS, or if it otherwise shall no longer be capable of registering and recording Mortgage Loans using MERS. In addition, the Master Servicer shall (i) promptly notify the Custodian in writing when a MERS Mortgage Loan is no longer registered with and recorded under MERS and (ii) concurrently with any such deregistration of a MERS Mortgage Loan, prepare, execute and record an original assignment from MERS to the Trustee and deliver such assignment to the Custodian. b. Indemnification. The Company hereby agrees to indemnify and hold the Custodian harmless from and against all claims, liabilities, losses, actions, suits or proceedings at law or in equity, or any other expenses, fees or charges of any character or nature, which the Custodian may incur or with which the Custodian may be threatened by reason of its acting as custodian under this Agreement, including indemnification of the Custodian against any and all expenses, including attorney's fees if counsel for the Custodian has been approved by the Company, and the cost of defending any action, suit or proceedings or resisting any claim. Notwithstanding the foregoing, it is specifically understood and agreed that in the event any such claim, liability, loss, E-4 action, suit or proceeding or other expense, fee or charge shall have been caused by reason of any negligent act, negligent failure to act or willful misconduct on the part of the Custodian, or which shall constitute a willful breach of its duties hereunder, the indemnification provisions of this Agreement shall not apply. c. Custodian May Own Certificates. The Custodian in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Custodian. d. Master Servicer to Pay Custodian's Fees and Expenses. The Master Servicer covenants and agrees to pay to the Custodian from time to time, and the Custodian shall be entitled to, reasonable compensation for all services rendered by it in the exercise and performance of any of the powers and duties hereunder of the Custodian, and the Master Servicer will pay or reimburse the Custodian upon its request for all reasonable expenses, disbursements and advances incurred or made by the Custodian in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ), except any such expense, disbursement or advance as may arise from its negligence or bad faith. e. Custodian May Resign; Trustee May Remove Custodian. The Custodian may resign from the obligations and duties hereby imposed upon it as such obligations and duties relate to its acting as Custodian of the Mortgage Loans. Upon receiving such notice of resignation, the Trustee shall either take custody of the Mortgage Files itself and give prompt notice thereof to the Company, the Master Servicer and the Custodian, or promptly appoint a successor Custodian by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Custodian and one copy to the successor Custodian. If the Trustee shall not have taken custody of the Mortgage Files and no successor Custodian shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Custodian may petition any court of competent jurisdiction for the appointment of a successor Custodian. The Trustee may remove the Custodian at any time. In such event, the Trustee shall appoint, or petition a court of competent jurisdiction to appoint, a successor Custodian hereunder. Any successor Custodian shall be a depository institution subject to supervision or examination by federal or state authority and shall be able to satisfy the other requirements contained in Section 3.7 and shall be unaffiliated with the Master Servicer or the Company. Any resignation or removal of the Custodian and appointment of a successor Custodian pursuant to any of the provisions of this Section 3.5 shall become effective upon acceptance of appointment by the successor Custodian. The Trustee shall give prompt notice to the Company and the Master Servicer of the appointment of any successor Custodian. No successor Custodian shall be appointed by the Trustee without the prior approval of the Company and the Master Servicer. f. Merger or Consolidation of Custodian. Any Person into which the Custodian 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 Custodian shall be a party, or any Person E-5 succeeding to the business of the Custodian, shall be the successor of the Custodian 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. g. Representations of the Custodian. The Custodian hereby represents that it is a depository institution subject to supervision or examination by a federal or state authority, has a combined capital and surplus of at least $15,000,000 and is qualified to do business in the jurisdictions in which it will hold any Mortgage File. 4. Miscellaneous Provisions a. Notices. All notices, requests, consents and demands and other communications required under this Agreement or pursuant to any other instrument or document delivered hereunder shall be in writing and, unless otherwise specifically provided, may be delivered personally, by telegram or telex, or by registered or certified mail, postage prepaid, return receipt requested, at the addresses specified on the signature page hereof (unless changed by the particular party whose address is stated herein by similar notice in writing), in which case the notice will be deemed delivered when received. b. Amendments. No modification or amendment of or supplement to this Agreement shall be valid or effective unless the same is in writing and signed by all parties hereto, and neither the Company, the Master Servicer nor the Trustee shall enter into any amendment hereof except as permitted by the Pooling Agreement. The Trustee shall give prompt notice to the Custodian of any amendment or supplement to the Pooling Agreement and furnish the Custodian with written copies thereof. c. SECTION 4.3. GOVERNING LAW. THIS AGREEMENT SHALL BE DEEMED A CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF NEW YORK. d. Recordation of Agreement. To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer and at its expense on direction by the Trustee (pursuant to the request of holders of Certificates evidencing undivided interests in the aggregate of not less than 25% of the Trust Fund), but only upon direction accompanied by an Opinion of Counsel reasonably satisfactory to the Master Servicer to the effect that the failure to effect such recordation is likely to materially and adversely affect the interests of the Certificateholders. For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. E-6 e. 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 of the Certificates or the rights of the holders thereof. E-7 IN WITNESS WHEREOF, this Agreement is executed as of the date first above written. Address: THE CHASE MANHATTAN BANK, as Trustee 450 West 33rd Street, 14th Floor New York, New York 10001 By: -------------------------- Attention: Structured Finance, Name: Mark McDermott Residential Asset Mortgage Title: Assistant Vice President Products, Inc., Series 2001-RZ3 Address: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 By: -------------------------- Name: Julie Steinhagen Title: Vice President Address: RESIDENTIAL FUNDING CORPORATION, as Master Servicer 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 By: -------------------------- Name: Randy Van Zee Title: Director Address: WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION Mortgage Document Custody One Meridian Crossings - 3rd Floor Richfield, Minnesota 55423 By: -------------------------- Name: Victoria O. Lange Title: Corporate Trust Officer E-8 STATE OF NEW YORK ) ) ss.: COUNTY OF NEW YORK ) On the 29th day of August, 2001, before me, a notary public in and for said State, personally appeared Mark McDermott, known to me to be a Assistant Vice President of The Chase Manhattan Bank, a national banking association that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. Notary Public [SEAL] E-9 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of August, 2001, before me, a notary public in and for said State, personally appeared Julie Steinhagen, known to me to be a Vice President of Residential Asset Mortgage Products, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. Notary Public [Notarial Seal] STATE OF MINNESOTA ) ) ss: COUNTY OF HENNEPIN ) On the 29th day of August, 2001, before me, a notary public in and for said State, personally appeared, Randy Van Zee, known to me to be a Director of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. Notary Public [Notarial Seal] E-10 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of August, 2001, before me, a notary public in and for said State, personally appeared Victoria O. Lange known to me to be a Corporate Trust Officer of Wells Fargo Bank Minnesota, National Association, a national banking association that executed the within instrument, and also known to me to be the person who executed it on behalf of said national banking association, and acknowledged to me that such national banking association executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. Notary Public [SEAL] E-11 EXHIBIT ONE FORM OF CUSTODIAN INITIAL CERTIFICATION August 29, 2001 The Chase Manhattan Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Structured Finance, Residential Asset Mortgage Products, Inc., Series 2001-RZ3 Re: Custodial Agreement, dated as of August 1, 2001, by and among The Chase Manhattan Bank, Residential Asset Mortgage Products, Inc., Residential Funding Corporation and Wells Fargo Bank Minnesota, National Association, relating to Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3 Ladies and Gentlemen: In accordance with Section 2.3 of the above-captioned Custodial Agreement, and subject to Section 2.02 of the Pooling Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File (which contains an original Mortgage Note or an original Lost Note Affidavit with a copy of the related Mortgage Note) to the extent required in Section 2.01(b) of the Pooling Agreement with respect to each Mortgage Loan listed in the Mortgage Loan Schedule, with any exceptions listed on Schedule A attached hereto. Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement. WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION By: -------------------------- Name: ------------------------ Title: ----------------------- E-1 EXHIBIT TWO FORM OF CUSTODIAN INTERIM CERTIFICATION ________________ ____, 200__ The Chase Manhattan Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Structured Finance, Residential Asset Mortgage Products, Inc., Series 2001-RZ3 Re: Custodial Agreement, dated as of August 1, 2001, by and among The Chase Manhattan Bank, Residential Asset Mortgage Products, Inc., Residential Funding Corporation and Wells Fargo Bank Minnesota, National Association, relating to Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3 Ladies and Gentlemen: In accordance with Section 2.3 of the above-captioned Custodial Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File to the extent required pursuant to Section 2.01(b) of the Pooling Agreement with respect to each Mortgage Loan listed in the Mortgage Loan Schedule, and it has reviewed the Mortgage File and the Mortgage Loan Schedule and has determined that: all required documents have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, with any exceptions listed on Schedule A attached hereto. Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement. WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION By: -------------------------- Name: ------------------------ Title: ----------------------- E-2 EXHIBIT THREE FORM OF CUSTODIAN FINAL CERTIFICATION ________________, 200__ The Chase Manhattan Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Structured Finance, Residential Asset Mortgage Products, Inc., Series 2001-RZ3 Re: Custodial Agreement, dated as of August 1, 2001, by and among The Chase Manhattan Bank, Residential Asset Mortgage Products, Inc., Residential Funding Corporation and Wells Fargo Bank Minnesota, National Association, relating to Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3 Ladies and Gentlemen: In accordance with Section 2.3 of the above-captioned Custodial Agreement, the undersigned, as Custodian, hereby certifies that it has received a Mortgage File with respect to each Mortgage Loan listed in the Mortgage Loan Schedule and it has reviewed the Mortgage File and the Mortgage Loan Schedule and has determined that: all required documents referred to in Section 2.01(b) of the Pooling Agreement have been executed and received and that such documents related to the Mortgage Loans identified on the Mortgage Loan Schedule. Capitalized words and phrases used herein shall have the respective meanings assigned to them in the above-captioned Custodial Agreement. WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION By: --------------------------------- Name: ------------------------------- Title: ------------------------------ E-3 EXHIBIT FOUR FORM OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. Series Supplement, to the Standard Terms of Pooling and Servicing Agreement, Dated: Series#: Account#: Pool#: Loan#: MIN#: Borrower Name(s): Reason for Document Request: (circle one) Mortgage Loan Prepaid in Full Mortgage 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 Pooling and Servicing Agreement." Residential Funding Corporation Authorized Signature **************************************************************** TO CUSTODIAN/TRUSTEE: 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 Pooling and Servicing Agreement. Enclosed Documents: [ ] Promissory Note [ ] Primary Insurance Policy [ ] Mortgage or Deed of Trust [ ] Assignment(s) of Mortgage or Deed of Trust [ ] Title Insurance Policy [ ] Other: ------------------------------- Name Title Date E-4 EXHIBIT F MORTGAGE LOAN SCHEDULE TO BE PROVIDED UPON REQUEST. RUN ON : 08/22/01 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 12.22.42 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RAMP 2001-RZ3 CUTOFF : 08/01/01 POOL : 0004533 : : POOL STATUS: F RFC LOAN NUMBER SUB SERV FEE PRINCIPAL BALANCE MSTR SERV FEE CURR NOTE RATE ALL EXP RFC NET RATE MISC EXP NET MTG RATE(INVSTR RATE) SPREAD POST STRIP RATE STRIP -------------------------------------------------------------------------- 3722354 .2500 293,463.53 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 3735454 .2500 43,938.63 .0500 10.2500 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 3956639 .2500 65,056.04 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 3971387 .2500 140,138.61 .0500 10.1250 .0000 9.8750 .0000 9.8250 .0000 9.8250 .0000 3998028 .2500 59,288.82 .0500 10.1250 .0000 9.8750 .0000 9.8250 .0000 9.8250 .0000 4009621 .2500 204,033.44 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 1 4141545 .2500 184,616.37 .0500 11.2500 .0000 11.0000 .0000 10.9500 .0000 10.9500 .0000 4143759 .2500 187,947.20 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 4147718 .2500 160,053.39 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 4203361 .2500 134,671.37 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 4210139 .2500 261,162.77 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 4223702 .2500 56,571.79 .0500 12.2500 .0000 12.0000 .0000 11.9500 .0000 11.9500 .0000 4228519 .2500 78,408.69 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 4229189 .2500 146,618.75 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 1 4233179 .2500 163,115.56 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4251558 .2500 44,752.06 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4257548 .2500 295,768.45 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4264186 .2500 161,009.69 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4267613 .2500 62,506.07 .0500 10.1250 .0000 9.8750 .0000 9.8250 .0000 9.8250 .0000 4308288 .2500 279,489.84 .0500 10.7500 .0000 10.5000 .0000 10.4500 .0000 10.4500 .0000 4338235 .2500 90,841.99 .0500 12.0630 .0000 11.8130 .0000 11.7630 .0000 11.7630 .0000 4340925 .5000 312,594.84 .0500 9.0000 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 1 4343343 .2500 183,593.42 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4355763 .2500 331,673.52 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 4366486 .2500 153,594.61 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4373865 .2500 111,555.57 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 4386888 .2500 121,333.02 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4390962 .5000 313,590.27 .0500 8.8750 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4391722 .2500 166,352.70 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4402389 .2500 335,044.12 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 1 4402458 .2500 229,664.31 .0500 12.0000 .0000 11.7500 .0000 11.7000 .0000 11.7000 .0000 4404579 .2500 136,745.12 .0500 8.1250 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 4414899 .2500 299,462.44 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 4430701 .2500 205,428.86 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4437892 .2500 276,340.63 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4452627 .2500 66,449.89 .0500 11.2500 .0000 11.0000 .0000 10.9500 .0000 10.9500 .0000 4468743 .2500 135,763.55 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 4483530 .2500 123,298.59 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 4484526 .2500 113,001.76 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4491262 .2500 89,856.72 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4494328 .2500 299,250.42 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4497573 .2500 96,770.31 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 4499573 .2500 146,093.57 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4510586 .2500 202,884.49 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4511373 .2500 109,375.66 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4520977 .2500 81,814.07 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 1 4521717 .2500 169,652.58 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4522219 .2500 142,213.56 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4522420 .2500 138,047.14 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 4523255 .2500 112,171.75 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4523999 .2500 117,549.10 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4524031 .2500 194,291.89 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 4524039 .2500 165,441.27 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4524830 .2500 303,335.16 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 1 4524844 .2500 108,900.29 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 4528362 .2500 70,470.09 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 4528755 .2500 141,278.21 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4529063 .2500 97,400.52 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4529718 .2500 115,515.26 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4530027 .2500 128,181.35 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4530197 .2500 200,336.40 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4532151 .2500 114,159.95 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 4535803 .2500 86,757.88 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4541743 .2500 259,413.41 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4543656 .2500 81,171.37 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4550059 .2500 62,739.22 .0500 11.5000 .0000 11.2500 .0000 11.2000 .0000 11.2000 .0000 4550265 .2500 282,757.53 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 4556452 .2500 88,444.76 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4558636 .2500 197,293.79 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4559247 .2500 82,370.70 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 4559388 .2500 146,351.60 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4560879 .2500 61,686.29 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 4561737 .2500 131,679.75 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 4563351 .2500 191,058.56 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4564330 .2500 57,883.97 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4565663 .2500 115,743.69 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4566542 .2500 140,941.20 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4566593 .2500 281,841.85 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 1 4570216 .2500 146,245.28 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 4571547 .2500 99,185.65 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 4577028 .2500 137,334.42 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4578087 .2500 63,526.55 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 4578139 .2500 188,718.90 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4579742 .2500 255,232.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 4582884 .2500 209,625.37 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4586028 .2500 194,420.03 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 1 4593928 .2500 78,166.57 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 4594111 .2500 81,292.07 .0500 11.6250 .0000 11.3750 .0000 11.3250 .0000 11.3250 .0000 4595391 .2500 103,208.95 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4595651 .2500 93,540.53 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4596831 .2500 165,622.85 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4597505 .2500 114,758.75 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4597986 .2500 138,858.16 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 4598811 .2500 222,685.36 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 1 4599847 .5000 239,493.26 .0500 9.5000 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4600252 .2500 100,463.83 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 4601979 .2500 80,815.80 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4605043 .2500 147,525.52 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4606126 .2500 177,994.85 .0500 10.3750 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 4607662 .2500 109,874.88 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4610505 .2500 233,373.96 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4610869 .2500 90,468.50 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 1 4613054 .2500 269,598.41 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4614587 .2500 163,334.22 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4615547 .2500 46,725.90 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4616012 .2500 108,048.14 .0500 11.6250 .0000 11.3750 .0000 11.3250 .0000 11.3250 .0000 4616333 .2500 49,288.63 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4616948 .2500 143,136.80 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4617030 .2500 138,077.54 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4617886 .2500 143,785.82 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 4618413 .2500 76,919.85 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4621278 .2500 199,717.79 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4621317 .2500 144,847.73 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 4625394 .2500 369,978.46 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4625456 .2500 287,624.60 .0500 10.0000 .0000 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9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4646395 .2500 85,320.63 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4647098 .2500 123,214.28 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4648354 .2500 52,719.39 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4648371 .2500 128,548.22 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4650449 .2500 71,217.66 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 4651511 .2500 94,632.68 .0500 9.9900 .0000 9.7400 .0000 9.6900 .0000 9.6900 .0000 4651537 .2500 154,270.21 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 4651932 .2500 236,133.96 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4654812 .2500 264,584.67 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4655704 .2500 196,546.41 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4656488 .2500 42,749.08 .0500 10.5500 .0000 10.3000 .0000 10.2500 .0000 10.2500 .0000 4656512 .2500 36,965.33 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4657550 .2500 201,894.04 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4658594 .2500 227,533.39 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4658879 .2500 257,616.25 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 4659204 .2500 132,780.56 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4661770 .2500 220,781.90 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 4662829 .2500 96,182.89 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 4663630 .2500 216,976.78 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 4664541 .2500 108,486.95 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4665319 .2500 346,069.43 .0500 8.7900 .0000 8.5400 .0000 8.4900 .0000 8.4900 .0000 4667148 .2500 99,817.23 .0500 9.9900 .0000 9.7400 .0000 9.6900 .0000 9.6900 .0000 4667225 .2500 80,879.53 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 4668950 .2500 120,295.85 .0500 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150,919.64 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5108876 .2500 161,920.31 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5109557 .2500 78,960.10 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5109743 .2500 64,750.75 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5109885 .2500 82,200.00 .0500 11.7500 .0000 11.5000 .0000 11.4500 .0000 11.4500 .0000 5113350 .2500 346,400.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5113361 .5000 390,950.00 .0500 8.6250 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 5113370 .2500 188,900.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 1 5113372 .2500 268,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5113375 .2500 202,000.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5113413 .5000 68,000.00 .0500 9.6250 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5113415 .5000 73,790.71 .0500 9.1250 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5113419 .5000 98,000.00 .0500 8.8750 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5113429 .2500 82,400.00 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 5113870 .2500 106,000.00 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 5114809 .2500 44,940.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 1 5115922 .2500 272,800.60 .0500 8.9900 .0000 8.7400 .0000 8.6900 .0000 8.6900 .0000 5117925 .2500 247,200.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5118745 .2500 90,950.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5119147 .2500 154,500.00 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5119264 .2500 87,550.00 .0500 12.7500 .0000 12.5000 .0000 12.4500 .0000 12.4500 .0000 5122086 .5000 70,555.00 .0500 11.7500 .0000 11.2500 .0000 11.2000 .0000 11.2000 .0000 5122090 .2500 84,850.00 .0500 10.2500 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 5122095 .2500 124,950.00 .0500 10.3750 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 1 5122119 .2500 65,400.00 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 5122120 .5000 132,000.00 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5122121 .5000 127,000.00 .0500 9.3750 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5122126 .2500 275,000.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5122198 .2500 81,850.00 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5122542 .2500 127,835.41 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5122607 .2500 256,553.39 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5125629 .2500 92,700.00 .0500 10.3750 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 1 5127078 .2500 100,143.82 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5128043 .2500 158,350.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5132585 .2500 185,250.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5132764 .2500 108,000.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5132778 .2500 124,700.00 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5132794 .2500 212,900.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5132816 .5000 63,850.00 .0500 11.7500 .0000 11.2500 .0000 11.2000 .0000 11.2000 .0000 5132819 .5000 87,550.00 .0500 9.5000 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5132822 .2500 27,483.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5132825 .2500 249,727.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5132826 .2500 193,100.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5132831 .5000 151,900.00 .0500 10.2500 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 5132839 .2500 163,910.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5132840 .2500 158,517.00 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5132842 .5000 77,900.00 .0500 9.5000 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5132846 .2500 79,200.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 1 5132847 .2500 153,450.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5133006 .2500 149,900.00 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5134209 .2500 150,000.00 .0500 9.2400 .0000 8.9900 .0000 8.9400 .0000 8.9400 .0000 5134499 .2500 96,948.37 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5134979 .2500 74,900.00 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5135165 .2500 169,950.00 .0500 10.3750 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 5136273 .2500 149,201.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5138397 .2500 147,340.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 1 5138406 .2500 221,450.00 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5141496 .2500 250,000.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5141497 .5000 78,450.00 .0500 10.0000 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5141527 .5000 117,400.00 .0500 9.7500 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5141563 .5000 159,850.00 .0500 8.8750 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5141570 .2500 242,000.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5141577 .5000 107,910.00 .0500 9.3750 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5141586 .2500 89,000.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 1 5141613 .2500 69,000.00 .0500 8.1250 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 5143940 .2500 224,977.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5147243 .2500 163,710.00 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5149482 .2500 137,300.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5149945 .2500 80,750.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5149946 .5000 126,200.00 .0500 9.7500 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5149965 .5000 269,036.91 .0500 8.5000 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5149966 .5000 95,300.00 .0500 9.5000 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5150018 .5000 195,000.00 .0500 12.5000 .0000 12.0000 .0000 11.9500 .0000 11.9500 .0000 5150019 .2500 209,200.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5150027 .2500 119,450.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5150031 .2500 74,950.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5150039 .2500 154,500.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5151303 .2500 112,600.00 .0500 12.5000 .0000 12.2500 .0000 12.2000 .0000 12.2000 .0000 5153210 .2500 128,338.48 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5157871 .2500 278,500.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5158274 .2500 32,200.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5159155 .2500 101,422.65 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5159167 .2500 196,000.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5163738 .2500 83,430.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5163780 .2500 288,900.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5164051 .2500 91,094.79 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5166290 .2500 82,500.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5166301 .2500 321,000.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 1 5166322 .2500 84,530.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5166342 .5000 99,900.00 .0500 8.5000 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5166365 .5000 100,000.00 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5166500 .2500 92,700.00 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 5166530 .2500 319,300.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5166606 .2500 231,750.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5166924 .2500 240,400.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5166934 .2500 350,000.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 1 5170572 .2500 63,860.00 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5171061 .2500 150,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5172846 .2500 94,928.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5173113 .2500 289,000.00 .0500 8.9900 .0000 8.7400 .0000 8.6900 .0000 8.6900 .0000 5176177 .5000 59,200.00 .0500 11.6250 .0000 11.1250 .0000 11.0750 .0000 11.0750 .0000 5176188 .2500 170,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5176214 .2500 186,100.00 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5176218 .2500 121,000.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 1 5176223 .2500 86,000.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5176234 .2500 120,900.00 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5176253 .2500 105,100.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5176256 .2500 264,300.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5176270 .2500 118,650.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5185009 .5000 66,933.00 .0500 9.2500 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5185516 .2500 90,950.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5188109 .2500 206,000.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5194314 .5000 339,190.00 .0500 8.5000 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5195400 .2500 129,450.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5202448 .2500 315,000.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5202618 .2500 72,100.00 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5203754 .2500 172,413.35 .0500 9.4000 .0000 9.1500 .0000 9.1000 .0000 9.1000 .0000 5206077 .2500 174,000.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5209125 .2500 97,450.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5214279 .2500 81,755.32 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 5220567 .2500 145,520.00 .0500 8.9900 .0000 8.7400 .0000 8.6900 .0000 8.6900 .0000 5225449 .2500 183,000.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5228777 .2500 155,100.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5238576 .2500 334,750.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5258230 .2500 156,000.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 TOTAL NUMBER OF LOANS: 1459 TOTAL BALANCE........: 215,001,205.90 RUN ON : 08/22/01 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 12.22.42 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RAMP 2001-RZ3 FIXED SUMMARY REPORT CUTOFF : 08/01/01 POOL : 0004533 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 9.4146 7.9900 13.0000 RFC NET RATE 9.1299 7.6250 12.7500 NET MTG RATE(INVSTR RATE) 9.0799 7.5750 12.7000 POST STRIP RATE 9.0799 7.5750 12.7000 SUB SERV FEE .2847 .2500 .5000 MSTR SERV FEE .0500 .0500 .0500 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .0000 .0000 .0000 TOTAL NUMBER OF LOANS: 1459 TOTAL BALANCE........: 215,001,205.90 *************************** * END OF REPORT * *************************** RUN ON : 08/22/01 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 12.22.42 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RAMP 2001-RZ3 CUTOFF : 08/01/01 POOL : 0004533 : : POOL STATUS: F RFC LOAN # S/S CODE PMT TYPE ORIGINAL BAL LOAN FEATURE ORIG TERM PRINCIPAL BAL # OF UNITS ORIG RATE ORIGINAL P+I LTV CURR NET CURRENT P+I CITY STATE ZIP LOAN PURP NOTE DATE MI CO CODE SERVICER LOAN # PROP TYPE 1ST PMT DATE MI CVG SELLER LOAN # OCCP CODE MATURITY DATE INVESTOR LOAN # ______________________________________________________________________________ 3722354 664/G01 F 295,000.00 ZZ 360 293,463.53 1 9.875 2,561.63 100 9.625 2,561.63 LOS ANGELES CA 90018 1 08/23/00 23 0432808277 05 10/01/00 0 0003612637 O 09/01/30 0 3735454 526/G01 F 44,131.00 ZZ 360 43,938.63 1 10.250 395.46 106 10.000 395.46 LOUISVILLE KY 40218 5 09/25/00 23 0432905958 01 11/01/00 0 0420545 O 10/01/30 0 3956639 526/G01 F 65,270.00 ZZ 360 65,056.04 1 10.500 597.05 107 10.250 597.05 MCKEESPORT PA 15133 1 11/29/00 23 0432906014 05 01/01/01 0 0424679 O 12/01/30 0 3971387 526/G01 F 142,000.00 ZZ 360 140,138.61 1 10.125 1,259.29 100 9.875 1,259.29 PORTLAND OR 97233 1 12/08/00 23 0432588325 03 02/01/01 0 1 0426046 O 01/01/31 0 3998028 526/G01 F 59,500.00 ZZ 360 59,288.82 1 10.125 527.66 100 9.875 527.66 COLVILLE WA 99114 1 11/29/00 23 0432545671 05 01/01/01 0 0430794 O 12/01/30 0 4009621 526/G01 F 205,000.00 ZZ 360 204,033.44 1 9.875 1,780.11 100 9.625 1,780.11 YACOLT WA 98675 1 09/08/00 23 0432566230 05 11/01/00 0 0420390 O 10/01/30 0 4141545 E84/G01 F 185,000.00 ZZ 360 184,616.37 1 11.250 1,796.83 103 11.000 1,796.83 BERKELEY CA 94709 1 01/12/01 23 0432819597 01 03/01/01 0 54000640 O 02/01/31 0 4143759 526/G01 F 188,500.00 ZZ 360 187,947.20 1 9.625 1,602.23 104 9.375 1,602.23 WOBURN MA 01801 1 01/29/01 23 0432905883 01 03/01/01 0 436308 O 02/01/31 0 4147718 526/G01 F 160,500.00 ZZ 360 160,053.39 1 9.875 1,393.70 107 9.625 1,393.70 TEMPE AZ 85282 1 01/02/01 23 0432818292 05 03/01/01 0 0435419 O 02/01/31 0 1 4203361 526/G01 F 135,000.00 ZZ 360 134,671.37 1 9.625 1,147.49 100 9.375 1,147.49 NAPLES FL 34116 1 02/12/01 23 0432817989 05 04/01/01 0 0439962 O 03/01/31 0 4210139 526/G01 F 261,800.00 ZZ 360 261,162.77 1 9.625 2,225.27 100 9.375 2,225.27 LA MESA CA 91942 1 02/06/01 23 0432818110 05 04/01/01 0 439100 O 03/01/31 0 4223702 526/G01 F 56,650.00 ZZ 360 56,571.79 1 12.250 593.63 103 12.000 593.63 MANSFIELD OH 44906 1 02/20/01 23 0432818011 05 04/01/01 0 0436749 O 03/01/31 0 4228519 526/G01 F 78,600.00 ZZ 360 78,408.69 1 9.625 668.09 100 9.375 668.09 FORT WORTH TX 76118 1 02/16/01 23 0432818078 05 04/01/01 0 0439559 O 03/01/31 0 4229189 526/G01 F 147,050.00 ZZ 360 146,618.75 1 9.625 1,249.91 106 9.375 1,249.91 ROY UT 84067 1 01/30/01 23 0432818094 05 03/01/01 0 0436703 O 02/01/31 0 4233179 526/G01 F 164,000.00 ZZ 360 163,115.56 1 9.750 1,409.01 106 9.500 1,409.01 1 EVESHAM TOWNSHI NJ 08053 1 11/29/00 23 0432905990 05 01/01/01 0 0429344 O 12/01/30 0 4251558 U28/G01 F 44,940.00 ZZ 360 44,752.06 1 9.500 377.88 107 9.250 377.88 TWIN CITY GA 30471 1 02/16/01 23 0432672681 05 04/01/01 0 4251329 O 03/01/31 0 4257548 664/G01 F 296,900.00 ZZ 360 295,768.45 1 9.125 2,415.68 100 8.875 2,415.68 ELLICOTT CITY MD 21043 1 12/20/00 23 0432816585 03 02/01/01 0 0003715984 O 01/01/31 0 4264186 U05/G01 F 161,100.00 ZZ 360 161,009.69 1 8.875 1,281.78 103 8.625 1,281.78 DOVER DE 19904 1 07/02/01 23 0432992550 05 08/01/01 0 3138707 O 07/01/31 0 4267613 E22/G01 F 62,700.00 ZZ 360 62,506.07 1 10.125 556.04 100 9.875 556.04 CLEVELAND OH 44135 1 12/15/00 23 0412283921 05 02/01/01 0 0412283921 O 01/01/31 0 4308288 642/G01 F 280,137.00 ZZ 360 279,489.84 1 10.750 2,615.03 97 10.500 2,615.03 FOLSOM CA 95630 1 01/29/01 23 0432652311 05 03/01/01 0 12140200 O 02/01/31 0 1 4338235 A11/G01 F 91,000.00 ZZ 360 90,841.99 1 12.063 940.46 100 11.813 940.46 DETROIT MI 48222 1 02/22/01 23 0432725216 05 03/22/01 0 7230423534 O 02/22/31 0 4340925 E22/G01 F 313,650.00 ZZ 360 312,594.84 2 9.000 2,523.70 107 8.500 2,523.70 OAKLAND CA 94609 1 02/09/01 23 0412385841 05 04/01/01 0 0412385841 O 03/01/31 0 4343343 808/G01 F 184,000.00 ZZ 360 183,593.42 1 9.000 1,480.51 100 8.750 1,480.51 LAKE FOREST CA 92630 1 03/08/01 23 0432886927 01 05/01/01 0 VICTORIO O 04/01/31 0 4355763 W53/G01 F 333,800.00 ZZ 360 331,673.52 1 9.875 2,898.55 107 9.625 2,898.55 BROOKFIELD CT 06804 1 03/02/01 23 0432851129 05 05/01/01 0 5200299300 O 04/01/31 0 4366486 664/G01 F 154,000.00 ZZ 360 153,594.61 1 9.250 1,266.92 100 9.000 1,266.92 OAK FOREST IL 60452 1 02/26/01 23 0432813871 05 04/01/01 0 0003817186 O 03/01/31 0 4373865 964/G01 F 112,100.00 ZZ 360 111,555.57 1 1 9.625 952.84 95 9.375 952.84 CORVALLIS OR 97333 1 02/28/01 23 0432808459 05 04/01/01 0 109305 N 03/01/31 0 4386888 B28/G01 F 122,570.00 ZZ 360 121,333.02 1 9.000 986.23 103 8.750 986.23 NEW LENOX IL 60451 1 04/25/01 23 0432824969 05 06/01/01 0 0102050021 O 05/01/31 0 4390962 E22/G01 F 314,580.00 ZZ 360 313,590.27 1 8.875 2,502.94 107 8.375 2,502.94 CARMICHAEL CA 95608 1 02/22/01 23 0412408478 05 04/01/01 0 0412408478 O 03/01/31 0 4391722 R17/G01 F 166,650.00 ZZ 360 166,352.70 1 8.625 1,296.19 101 8.375 1,296.19 HATBORO PA 19040 1 04/06/01 23 0432834497 05 06/01/01 0 1000033423 O 05/01/31 0 4402389 E22/G01 F 336,000.00 ZZ 360 335,044.12 1 8.875 2,673.37 104 8.625 2,673.37 BYRON CA 94514 1 02/27/01 23 0412420655 05 04/01/01 0 0412420655 O 03/01/31 0 4402458 T24/G01 F 230,000.00 ZZ 360 229,664.31 1 12.000 2,365.81 94 11.750 2,365.81 OAKLEY CA 94561 1 02/01/01 23 0432917870 05 04/01/01 0 1 09776898 O 03/01/31 0 4404579 U62/G01 F 137,200.00 ZZ 360 136,745.12 1 8.125 1,018.71 106 7.875 1,018.71 BEDFORD HEIGHTS OH 44146 5 02/23/01 23 0432812154 05 04/01/01 0 2001233774 O 03/01/31 0 4414899 147/G01 F 300,000.00 ZZ 360 299,462.44 2 10.000 2,632.72 100 9.750 2,632.72 CHICAGO IL 60630 1 03/30/01 23 0432728293 05 05/01/01 0 10415914 O 04/01/31 0 4430701 286/G01 F 206,000.00 ZZ 360 205,428.86 1 9.000 1,657.53 103 8.750 1,657.53 FAIRFAX VA 22033 1 02/16/01 23 0432917920 09 04/01/01 0 263423 O 03/01/31 0 4437892 286/G01 F 277,070.00 ZZ 360 276,340.63 1 9.250 2,279.39 100 9.000 2,279.39 MONTGOMERY TX 77356 1 02/28/01 23 0432819712 03 04/01/01 0 0000228298 O 03/01/31 0 4452627 G13/G01 F 66,495.00 ZZ 360 66,449.89 1 11.250 645.84 100 11.000 645.84 CLAYTON NC 27520 1 06/04/01 23 0432900967 05 07/01/01 0 13931 O 06/01/31 0 1 4468743 B28/G01 F 136,000.00 ZZ 360 135,763.55 1 8.750 1,069.92 100 8.500 1,069.92 WESTMINSTER CO 80031 1 04/18/01 23 0432787133 01 06/01/01 0 0103130029 O 05/01/31 0 4483530 T24/G01 F 123,624.00 ZZ 360 123,298.59 1 9.250 1,017.02 105 9.000 1,017.02 CHESAPEAKE VA 23320 1 02/23/01 23 0432917854 05 04/01/01 0 09791682 O 03/01/31 0 4484526 T24/G01 F 113,300.00 ZZ 360 113,001.76 1 9.250 932.09 103 9.000 932.09 LINCOLN NE 68505 1 02/27/01 23 0432819860 05 04/01/01 0 09808466 O 03/01/31 0 4491262 964/G01 F 90,125.00 ZZ 360 89,856.72 1 8.875 717.08 103 8.625 717.08 HENDERSON NV 89015 1 03/29/01 23 0432827988 05 05/01/01 0 108704 O 04/01/31 0 4494328 T24/G01 F 300,000.00 ZZ 360 299,250.42 1 9.500 2,522.56 99 9.250 2,522.56 ANTIOCH CA 94509 1 02/22/01 23 0432819845 05 04/01/01 0 09801980 O 03/01/31 0 4497573 W78/G01 F 96,900.00 ZZ 360 96,770.31 1 10.000 850.37 100 9.750 850.37 1 ATLANTA GA 30331 1 04/09/01 23 0432864189 05 06/01/01 0 50000478 O 05/01/31 0 4499573 R54/G01 F 146,300.00 ZZ 360 146,093.57 1 9.750 1,256.94 95 9.500 1,256.94 LAWRENCEVILLE GA 30045 1 04/25/01 23 0432825115 05 06/01/01 0 2000001665 N 05/01/31 0 4510586 T24/G01 F 203,300.00 ZZ 360 202,884.49 1 9.375 1,690.95 107 9.125 1,690.95 FAIRFIELD CA 94533 1 03/01/01 23 0432819829 05 05/01/01 0 09801731 O 04/01/31 0 4511373 964/G01 F 110,000.00 ZZ 360 109,375.66 1 9.125 895.00 107 8.875 895.00 PHOENIX AZ 85037 5 04/02/01 23 0432861359 05 06/01/01 0 115642 O 05/01/31 0 4520977 U45/G01 F 82,000.00 ZZ 360 81,814.07 1 8.875 652.43 100 8.625 652.43 MASSILLON OH 44646 1 03/29/01 23 0432899078 05 05/01/01 0 6148380263 O 04/01/31 0 4521717 964/G01 F 170,000.00 ZZ 360 169,652.58 1 9.375 1,413.97 100 9.125 1,413.97 HENDERSON NV 89012 1 03/28/01 23 0432822609 03 05/01/01 0 115330 O 04/01/31 0 1 4522219 964/G01 F 142,950.00 ZZ 360 142,213.56 1 9.000 1,150.21 100 8.750 1,150.21 BOISE ID 83704 1 04/17/01 23 0432855856 05 06/01/01 0 116730 O 05/01/31 0 4522420 E45/G01 F 138,986.00 ZZ 360 138,047.14 1 8.500 1,068.68 100 8.250 1,068.68 LONGWOOD FL 32779 5 03/27/01 23 0432708675 05 05/01/01 0 123529 O 04/01/31 0 4523255 G13/G01 F 112,350.00 ZZ 360 112,171.75 1 9.750 965.26 107 9.500 965.26 KNOXVILLE TN 37923 5 03/30/01 23 0432735876 05 06/01/01 0 0076658 O 05/01/31 0 4523999 E22/G01 F 118,000.00 ZZ 360 117,549.10 1 9.250 970.76 100 9.000 970.76 EVERETT WA 98208 1 03/15/01 23 0412430019 01 05/01/01 0 0412430019 O 04/01/31 0 4524031 E22/G01 F 194,650.00 ZZ 360 194,291.89 1 9.875 1,690.24 103 9.625 1,690.24 MODESTO CA 95356 1 03/20/01 23 0412478893 05 05/01/01 0 0412478893 O 04/01/31 0 4524039 E22/G01 F 165,850.00 ZZ 360 165,441.27 1 1 8.875 1,319.58 107 8.625 1,319.58 HANNA CITY IL 61536 1 03/27/01 23 0412485906 05 05/01/01 0 0412485906 O 04/01/31 0 4524830 G75/G01 F 303,850.00 ZZ 360 303,335.16 1 8.875 2,417.57 107 8.625 2,417.57 MECHANICSVILLE VA 23116 5 04/23/01 23 0432799633 05 06/01/01 0 04306393 O 05/01/31 0 4524844 G75/G01 F 109,100.00 ZZ 360 108,900.29 1 8.500 838.89 107 8.250 838.89 PETERSBURG VA 23803 2 04/11/01 23 0432830768 05 06/01/01 0 04316356 O 05/01/31 0 4528362 286/G01 F 70,600.00 ZZ 360 70,470.09 1 9.875 613.06 107 9.625 613.06 ALTON IL 62002 5 03/01/01 23 0432819811 05 05/01/01 0 000237151 O 04/01/31 0 4528755 700/G01 F 141,500.00 ZZ 360 141,278.21 1 9.250 1,164.09 100 9.000 1,164.09 ALHAMBRA CA 91803 1 04/04/01 23 0432841567 01 06/01/01 0 257600 O 05/01/31 0 4529063 286/G01 F 97,600.00 ZZ 360 97,400.52 2 9.375 811.79 83 9.125 811.79 WEST ALLIS WI 53214 1 03/05/01 23 0432876043 05 05/01/01 0 1 0000259354 O 04/01/31 0 4529718 T24/G01 F 115,900.00 ZZ 360 115,515.26 1 9.000 932.56 95 8.750 932.56 VALPARAISO IN 46383 1 02/22/01 23 0432819852 05 04/01/01 0 09810210 N 03/01/31 0 4530027 664/G01 F 128,400.00 ZZ 360 128,181.35 1 8.875 1,021.61 107 8.625 1,021.61 MORENO VALLEY CA 92551 5 04/05/01 23 0432970002 05 06/01/01 0 0003870250 O 05/01/31 0 4530197 U62/G01 F 200,850.00 ZZ 360 200,336.40 1 9.500 1,688.86 103 9.250 1,688.86 SNELLVILLE GA 30078 5 04/20/01 23 0432800514 05 06/01/01 0 2001241204 O 05/01/31 0 4532151 480/G01 F 114,330.00 ZZ 360 114,159.95 1 9.500 961.35 103 9.250 961.35 LAND O'LAKES FL 34639 1 04/26/01 23 0433009693 03 06/01/01 0 3661295 O 05/01/31 0 4535803 700/G01 F 86,950.00 ZZ 360 86,757.88 1 9.000 699.62 100 8.750 699.62 KATY TX 77494 1 04/03/01 23 0432791127 03 05/01/01 0 00257256 O 04/01/31 0 1 4541743 U59/G01 F 260,003.00 ZZ 360 259,413.41 1 8.875 2,068.71 100 8.625 2,068.71 SACRAMENTO CA 95834 1 04/03/01 23 0432739431 05 05/05/01 0 800750361 O 04/05/31 0 4543656 R54/G01 F 81,325.00 ZZ 360 81,171.37 1 9.750 698.71 106 9.500 698.71 BATON ROUGE LA 70805 2 03/30/01 23 0432970390 05 05/01/01 0 2000001588 O 04/01/31 0 4550059 F34/G01 F 62,800.00 ZZ 360 62,739.22 1 11.500 621.90 103 11.250 621.90 VANCEBORO NC 28586 5 04/20/01 23 0432781045 05 06/01/01 0 30103072 O 05/01/31 0 4550265 E84/G01 F 283,250.00 ZZ 360 282,757.53 1 8.750 2,228.33 103 8.500 2,228.33 MUNDELIEN IL 60060 1 04/09/01 23 0432784858 05 06/01/01 0 11104457 O 05/01/31 0 4556452 F34/G01 F 88,580.00 ZZ 360 88,444.76 1 9.375 736.76 103 9.125 736.76 TRENTON SC 29847 5 04/30/01 23 0432846376 05 06/01/01 0 30103071 O 05/01/31 0 4558636 964/G01 F 197,900.00 ZZ 360 197,293.79 1 9.750 1,700.27 105 9.500 1,700.27 1 LAS VEGAS NV 89122 1 04/06/01 23 0432900090 03 06/01/01 0 117590 O 05/01/31 0 4559247 E87/G01 F 82,500.00 ZZ 360 82,370.70 1 9.250 678.71 106 9.000 678.71 NEW PARIS OH 45347 9 04/16/01 23 0432784502 05 06/01/01 0 01020433 O 05/01/31 0 4559388 U96/G01 F 146,600.00 ZZ 360 146,351.60 1 8.875 1,166.42 105 8.625 1,166.42 HAWI HI 96719 1 04/11/01 23 0432777076 01 06/01/01 0 10200063 O 05/01/31 0 4560879 286/G01 F 61,800.00 ZZ 360 61,686.29 1 9.875 536.64 103 9.625 536.64 KANSAS CITY MO 64128 1 03/16/01 23 0432917995 05 05/01/01 0 0000272293 O 04/01/31 0 4561737 P30/G01 F 131,800.00 ZZ 360 131,679.75 1 9.875 1,144.48 102 9.625 1,144.48 CHARLOTTE NC 28226 1 05/07/01 23 0432829687 05 07/01/01 0 0456194 O 06/01/31 0 4563351 964/G01 F 191,400.00 ZZ 360 191,058.56 1 8.625 1,488.69 107 8.375 1,488.69 RENO NV 89511 5 04/06/01 23 0432817500 03 06/01/01 0 118190 O 05/01/31 0 1 4564330 T24/G01 F 58,000.00 ZZ 360 57,883.97 1 9.500 487.70 100 9.250 487.70 HOUSTON TX 77078 1 03/05/01 23 0432686681 05 05/01/01 0 09807445 O 04/01/31 0 4565663 T24/G01 F 116,000.00 ZZ 360 115,743.69 1 9.000 933.36 106 8.750 933.36 BEAUMONT CA 92223 2 03/08/01 23 0432819837 05 05/01/01 0 09814390 O 04/01/31 0 4566542 964/G01 F 141,100.00 ZZ 360 140,941.20 1 8.875 1,122.66 103 8.625 1,122.66 DIAMOND SPRINGS CA 95619 1 04/30/01 23 0432871275 05 07/01/01 0 118258 O 06/01/31 0 4566593 T24/G01 F 282,450.00 ZZ 360 281,841.85 1 9.125 2,298.11 107 8.875 2,298.11 SNOQUALMIE WA 98065 1 03/14/01 23 0432820439 03 05/01/01 0 09806428 O 04/01/31 0 4570216 664/G01 F 146,500.00 ZZ 360 146,245.28 1 8.750 1,152.52 102 8.500 1,152.52 SALEM MA 01970 1 04/13/01 23 0432823458 01 06/01/01 0 0008037731 O 05/01/31 0 4571547 G76/G01 F 99,500.00 ZZ 360 99,185.65 1 1 9.875 864.01 107 9.625 864.01 SALEM OH 44460 2 03/26/01 23 0432822567 05 05/01/01 0 132983 O 04/01/31 0 4577028 642/G01 F 137,550.00 ZZ 360 137,334.42 1 9.250 1,131.59 107 9.000 1,131.59 RICHMOND VA 23236 2 04/24/01 23 0432786325 05 06/01/01 0 04120101 O 05/01/31 0 4578087 Q64/G01 F 63,650.00 ZZ 360 63,526.55 1 9.625 541.02 95 9.375 541.02 WARNER ROBINS GA 31093 1 03/23/01 23 0432802460 05 05/01/01 0 0101746105 N 04/01/31 0 4578139 F34/G01 F 189,000.00 ZZ 360 188,718.90 1 9.500 1,589.21 100 9.250 1,589.21 STONE MOUNTIAN GA 30087 1 04/24/01 23 0432812212 05 06/01/01 0 30103059 O 05/01/31 0 4579742 964/G01 F 255,700.00 ZZ 360 255,232.00 1 8.500 1,966.11 107 8.250 1,966.11 FAIRFIELD CA 94533 1 04/06/01 23 0432855740 05 06/01/01 0 113130 O 05/01/31 0 4582884 700/G01 F 210,000.00 ZZ 360 209,625.37 1 8.625 1,633.36 103 8.375 1,633.36 SANTA CARITA AR CA 91351 1 04/10/01 23 0432850493 01 06/01/01 0 1 00258011 O 05/01/31 0 4586028 700/G01 F 194,750.00 ZZ 360 194,420.03 1 8.875 1,549.52 95 8.625 1,549.52 WEST COVINA CA 91790 1 04/17/01 01 0432871978 05 06/01/01 30 00258089 O 05/01/31 0 4593928 147/G01 F 78,280.00 ZZ 360 78,166.57 1 9.625 665.38 103 9.375 665.38 MONONGAHELA PA 15063 1 04/27/01 23 0432804698 05 06/01/01 0 1 O 05/01/31 0 4594111 147/G01 F 81,370.00 ZZ 360 81,292.07 1 11.625 813.57 103 11.375 813.57 LANCASTER CA 93535 1 04/17/01 23 0432804946 05 06/01/01 0 1 O 05/01/31 0 4595391 E45/G01 F 110,700.00 T 360 103,208.95 1 9.750 951.08 90 9.500 951.08 BLUE RIDGE GA 30513 1 04/01/01 23 0432793826 05 06/01/01 0 123651 O 05/01/31 0 4595651 642/G01 F 93,638.00 ZZ 360 93,540.53 1 9.250 770.34 107 9.000 770.34 CEDAR HILL TX 75104 1 05/09/01 23 0432856904 05 07/01/01 0 04105201 O 06/01/31 0 1 4596831 G75/G01 F 165,800.00 ZZ 360 165,622.85 1 9.125 1,349.01 103 8.875 1,349.01 WOODHAVEN MI 48183 5 05/09/01 23 0432871325 05 07/01/01 0 04318588 O 06/01/31 0 4597505 286/G01 F 115,000.00 ZZ 360 114,758.75 1 9.250 946.08 100 9.000 946.08 PALATINE IL 60067 1 03/23/01 23 0432820454 01 05/01/01 0 0000228647 O 04/01/31 0 4597986 U96/G01 F 139,100.00 ZZ 360 138,858.16 1 8.750 1,094.30 107 8.500 1,094.30 KAPAAU HI 96755 1 04/23/01 23 0432853356 05 06/01/01 0 10400022 O 05/01/31 0 4598811 R54/G01 F 223,000.00 T 360 222,685.36 1 9.750 1,915.91 104 9.500 1,915.91 MEMPHIS TN 38104 1 04/12/01 23 0432800902 05 06/01/01 0 2000001612 O 05/01/31 0 4599847 E22/G01 F 239,850.00 ZZ 360 239,493.26 1 9.500 2,016.79 100 9.000 2,016.79 TRABUCO CANYON CA 92679 1 04/02/01 23 0412424152 01 06/01/01 0 0412424152 O 05/01/31 0 4600252 T08/G01 F 100,580.00 ZZ 360 100,463.83 1 8.750 791.27 107 8.500 791.27 1 GREEN BAY WI 54303 2 05/24/01 23 0432910446 05 07/01/01 0 W01128 O 06/01/31 0 4601979 642/G01 F 80,900.00 ZZ 360 80,815.80 1 9.250 665.54 107 9.000 665.54 CORTLAND OH 44410 1 05/14/01 23 0432827632 01 07/01/01 0 04146001 O 06/01/31 0 4605043 R17/G01 F 148,000.00 ZZ 360 147,525.52 1 9.375 1,230.99 103 9.125 1,230.99 ESCONDIDO CA 92025 1 02/22/01 23 0432853364 05 04/01/01 0 1000032048 O 03/01/31 0 4606126 964/G01 F 178,215.00 ZZ 360 177,994.85 1 10.375 1,613.57 100 10.125 1,613.57 HENDERSON NV 89012 1 04/11/01 23 0432884401 05 06/01/01 0 117661 O 05/01/31 0 4607662 E22/G01 F 110,250.00 ZZ 360 109,874.88 1 9.250 907.00 105 9.000 907.00 ARLINGTON WA 98223 1 04/04/01 23 0412430282 05 06/01/01 0 0412430282 O 05/01/31 0 4610505 455/G01 F 233,750.00 ZZ 360 233,373.96 1 9.125 1,901.87 100 8.875 1,901.87 ALPHARETTA GA 30004 1 04/23/01 23 0432850188 03 06/01/01 0 09001228 O 05/01/31 0 1 4610869 U59/G01 F 90,640.00 ZZ 360 90,468.50 1 9.750 778.74 103 9.500 778.74 CHICAGO IL 60619 5 04/13/01 23 0432814598 05 05/18/01 0 800795525 O 04/18/31 0 4613054 E84/G01 F 270,000.00 ZZ 360 269,598.41 1 9.500 2,270.31 100 9.250 2,270.31 NAPA CA 94559 1 04/16/01 23 0432873578 05 06/01/01 0 23002200 O 05/01/31 0 4614587 E87/G01 F 163,500.00 ZZ 360 163,334.22 1 9.375 1,359.91 107 9.125 1,359.91 NORTH ST PAUL MN 55109 5 05/16/01 23 0432827202 05 07/01/01 0 01040271 O 06/01/31 0 4615547 E22/G01 F 47,000.00 ZZ 360 46,725.90 1 9.375 390.92 107 9.125 390.92 RIPLEY MS 38663 1 04/10/01 23 0412541849 05 06/01/01 0 0412541849 O 05/01/31 0 4616012 W53/G01 F 108,150.00 ZZ 360 108,048.14 1 11.625 1,081.33 103 11.375 1,081.33 MAPLE HEIGHTS OH 44137 1 04/25/01 23 0432846145 05 06/01/01 0 5200421900 O 05/01/31 0 4616333 U28/G01 F 49,400.00 ZZ 360 49,288.63 1 1 9.500 415.38 95 9.250 415.38 JONESBORO GA 30238 1 04/18/01 23 0432808889 09 06/01/01 0 0138012 N 05/01/31 0 4616948 U28/G01 F 143,350.00 ZZ 360 143,136.80 1 9.500 1,205.36 107 9.250 1,205.36 MONTEVALLO AL 35115 1 04/16/01 23 0432896215 03 06/01/01 0 1 O 05/01/31 0 4617030 K15/G01 F 138,300.00 ZZ 360 138,077.54 1 9.125 1,125.25 99 8.875 1,125.25 CHARDON OH 44024 5 04/16/01 23 0432786127 05 06/01/01 0 028605303370 O 05/01/31 0 4617886 U05/G01 F 144,000.00 ZZ 360 143,785.82 1 9.500 1,210.83 100 9.250 1,210.83 OCEANSIDE CA 92057 1 04/19/01 23 0432856847 01 06/01/01 0 3122985 O 05/01/31 0 4618413 E45/G01 F 77,000.00 ZZ 360 76,919.85 1 9.250 633.46 107 9.000 633.46 ZEPHYRHILLS FL 33541 1 05/09/01 23 0432816866 05 07/01/01 0 124542 O 06/01/31 0 4621278 E22/G01 F 200,000.00 ZZ 360 199,717.79 1 9.750 1,718.31 104 9.500 1,718.31 EAGAN MN 55123 9 04/06/01 23 0412486037 05 06/01/01 0 1 0412486037 O 05/01/31 0 4621317 E22/G01 F 145,100.00 ZZ 360 144,847.73 2 8.750 1,141.50 104 8.500 1,141.50 BELLE CHASSE LA 70037 2 04/06/01 23 0412529927 05 06/01/01 0 0412529927 O 05/01/31 0 4625394 N67/G01 F 370,800.00 ZZ 360 369,978.46 1 9.500 3,117.89 103 9.250 3,117.89 CAVE CREEK AZ 85331 1 04/03/01 23 0432864148 03 06/01/01 0 1780005823 O 05/01/31 0 4625456 964/G01 F 288,290.00 ZZ 360 287,624.60 1 10.000 2,529.95 103 9.750 2,529.95 LAS VEGAS NV 89129 1 04/25/01 23 0432868297 03 06/01/01 0 118576 O 05/01/31 0 4626647 B57/G01 F 123,085.00 ZZ 360 122,892.09 1 9.250 1,012.59 103 9.000 1,012.59 SUN CITY AZ 85351 1 04/27/01 23 0432850402 01 06/01/01 0 210234 O 05/01/31 0 4627247 964/G01 F 101,900.00 ZZ 360 101,618.43 1 9.625 866.14 103 9.375 866.14 BANNING CA 92220 1 04/30/01 23 0432851020 05 06/01/01 0 119205 O 05/01/31 0 1 4630769 455/G01 F 93,890.00 ZZ 360 93,764.83 1 11.375 920.85 100 11.125 920.85 PALMETTO GA 30268 1 03/29/01 23 0432794147 05 05/01/01 0 09001158 O 04/01/31 0 4631298 808/G01 F 225,570.00 ZZ 360 225,225.59 1 9.375 1,876.18 103 9.125 1,876.18 SCOTTSDALE AZ 85254 1 04/17/01 23 0432831030 03 06/01/01 0 HUTCHISON O 05/01/31 0 4637497 737/G01 F 47,380.00 ZZ 360 47,321.47 1 10.375 428.98 103 10.125 428.98 HOLLYWOOD FL 33020 1 04/27/01 23 0432784270 01 06/01/01 0 0001768076 O 05/01/31 0 4637974 964/G01 F 159,600.00 ZZ 360 159,349.86 1 9.250 1,312.99 95 9.000 1,312.99 BEND OR 97702 1 04/19/01 23 0432855526 05 06/01/01 0 120844 O 05/01/31 0 4640409 A11/G01 F 128,750.00 ZZ 360 128,528.30 1 10.188 1,147.81 103 9.938 1,147.81 DETROIT MI 48224 1 04/27/01 23 0432853307 05 05/27/01 0 7211462216 O 04/27/31 0 4640604 G52/G01 F 184,061.00 ZZ 360 183,845.53 1 10.625 1,700.90 103 10.375 1,700.90 1 SAVAGE MN 55378 5 04/17/01 23 0432883700 05 06/01/01 0 9605000001 O 05/01/31 0 4641128 M43/G01 F 124,450.00 ZZ 360 124,264.88 1 9.500 1,046.45 95 9.250 1,046.45 BURKE VA 22015 1 04/19/01 23 0432813806 01 06/01/01 0 741461442 N 05/01/31 0 4642177 950/G01 F 255,140.00 ZZ 360 254,570.54 1 8.500 1,961.81 107 8.250 1,961.81 KIRKLAND WA 98033 1 04/24/01 23 0432824647 01 06/01/01 0 E1104034 O 05/01/31 0 4643490 286/G01 F 101,000.00 ZZ 360 100,793.56 1 9.375 840.07 100 9.125 840.07 WARWICK RI 02886 1 03/30/01 23 0432726966 05 05/01/01 0 0009360533 O 04/01/31 0 4646019 E87/G01 F 71,369.00 ZZ 360 71,254.19 1 9.125 580.68 107 8.875 580.68 BRIDGEVILLE PA 15017 1 05/01/01 23 0432806610 09 06/01/01 0 01040163 O 05/01/31 0 4646395 808/G01 F 85,405.00 ZZ 360 85,320.63 2 9.500 718.14 95 9.250 718.14 PRESCOTT VALLEY AZ 86314 1 05/18/01 23 0432887065 05 07/01/01 0 9502823 N 06/01/31 0 1 4647098 E22/G01 F 123,500.00 ZZ 360 123,214.28 1 9.750 1,061.06 100 9.500 1,061.06 COVINGTON KY 41017 1 04/16/01 23 0412557308 05 06/01/01 0 0412557308 O 05/01/31 0 4648354 F34/G01 F 52,800.00 ZZ 360 52,719.39 1 9.375 439.16 107 9.125 439.16 LEWISTOWN PA 17044 1 04/30/01 23 0432828028 05 06/01/01 0 30104033 O 05/01/31 0 4648371 964/G01 F 128,750.00 ZZ 360 128,548.22 1 9.250 1,059.19 103 9.000 1,059.19 AURORA CO 80010 1 04/27/01 23 0432848406 05 06/01/01 0 120249 O 05/01/31 0 4650449 U05/G01 F 71,300.00 ZZ 360 71,217.66 1 8.750 560.92 107 8.500 560.92 BEAVER FALLS PA 15010 1 05/15/01 23 0432808152 05 07/01/01 0 3125774 O 06/01/31 0 4651511 F64/G01 F 94,760.00 ZZ 360 94,632.68 1 9.990 830.89 103 9.740 830.89 SPRINGDALE AR 72764 5 05/11/01 23 0432984730 05 06/16/01 0 LTJA4155424 O 05/16/31 0 4651537 U59/G01 F 154,500.00 ZZ 360 154,270.21 1 1 9.500 1,299.12 106 9.250 1,299.12 OLATHE KS 66062 5 04/25/01 23 0432780997 05 06/01/01 0 800797427 O 05/01/31 0 4651932 700/G01 F 236,400.00 ZZ 360 236,133.96 1 8.875 1,880.90 103 8.625 1,880.90 LOS ANGELES CA 91605 1 05/18/01 23 0432863397 05 07/01/01 0 316691 O 06/01/31 0 4654812 B57/G01 F 265,000.00 ZZ 360 264,584.67 1 9.250 2,180.09 100 9.000 2,180.09 LOS ANGELES CA 90039 1 04/24/01 23 0432789139 05 06/01/01 0 2113169 O 05/01/31 0 4655704 147/G01 F 196,880.00 ZZ 360 196,546.41 1 8.875 1,566.47 107 8.625 1,566.47 SYLMAR CA 91342 5 04/20/01 23 0432799898 05 06/01/01 0 10416421 O 05/01/31 0 4656488 W63/G01 F 42,800.00 ZZ 360 42,749.08 1 10.550 393.11 102 10.300 393.11 CAHOKIA IL 62206 1 04/03/01 23 0432794923 05 06/01/01 0 1158881301658 O 05/01/31 0 4656512 R54/G01 F 37,000.00 T 360 36,965.33 1 9.750 317.89 100 9.500 317.89 MILLINGTON TN 38053 1 05/18/01 23 0432893733 05 07/01/01 0 1 2000001754 O 06/01/31 0 4657550 003/G01 F 202,500.00 ZZ 360 201,894.04 1 8.625 1,575.03 100 8.375 1,575.03 DECATUR GA 30030 1 04/20/01 23 0432785228 05 06/01/01 0 021450986 O 05/01/31 0 4658594 253/G01 F 227,900.00 ZZ 360 227,533.39 1 9.125 1,854.27 99 8.875 1,854.27 DENVER CO 80201 1 04/24/01 23 0432835528 01 06/01/01 0 968386 O 05/01/31 0 4658879 U59/G01 F 258,000.00 ZZ 360 257,616.25 1 9.500 2,169.41 100 9.250 2,169.41 ELLICOTT CITY MD 21043 1 04/30/01 23 0432797306 09 06/01/01 0 800827637 O 05/01/31 0 4659204 180/G01 F 133,000.00 ZZ 360 132,780.56 1 8.875 1,058.21 104 8.625 1,058.21 MEDFORD OR 97504 1 05/18/01 23 0432896645 05 07/01/01 0 0017982828 O 06/01/31 0 4661770 808/G01 F 221,208.00 ZZ 360 220,781.90 1 8.250 1,661.87 104 8.000 1,661.87 RANCHO CUCAMONG CA 91730 1 04/26/01 23 0432897015 05 06/01/01 0 9319018 O 05/01/31 0 1 4662829 G75/G01 F 96,300.00 ZZ 360 96,182.89 1 8.500 740.47 107 8.250 740.47 DOVER NJ 08753 1 05/15/01 23 0432821163 01 07/01/01 0 04340624 O 06/01/31 0 4663630 E87/G01 F 217,300.00 ZZ 360 216,976.78 1 9.500 1,827.18 100 9.250 1,827.18 DESOTO TX 75115 1 04/27/01 23 0432782340 05 06/01/01 0 01040454 O 05/01/31 0 4664541 685/G01 F 108,600.00 ZZ 360 108,486.95 1 9.250 893.43 99 9.000 893.43 LOS ANGELES (VA CA 91402 1 05/01/01 23 0432815546 01 07/01/01 0 125541 O 06/01/31 0 4665319 R74/G01 F 346,680.00 ZZ 360 346,069.43 1 8.790 2,737.25 107 8.540 2,737.25 WAYNE NJ 07470 5 04/17/01 23 0432785699 05 06/01/01 0 1010016481 O 05/01/31 0 4667148 S20/G01 F 100,000.00 ZZ 360 99,817.23 1 9.990 876.84 100 9.740 876.84 WINSTON SALEM NC 27051 1 04/25/01 23 0432814077 05 05/25/01 0 0111282 O 04/25/31 0 4667225 T08/G01 F 81,000.00 ZZ 360 80,879.53 1 9.500 681.09 100 9.250 681.09 1 PALM BAY FL 32905 1 04/13/01 23 0432816775 05 06/01/01 0 21040074 O 05/01/31 0 4668950 964/G01 F 120,500.00 ZZ 360 120,295.85 1 8.875 958.75 105 8.625 958.75 BEAVERTON OR 97007 1 04/26/01 23 0432859049 05 06/01/01 0 121182 O 05/01/31 0 4669648 T24/G01 F 217,000.00 ZZ 360 216,578.77 1 9.625 1,844.48 100 9.375 1,844.48 VISTA CA 92083 1 03/20/01 23 0432816759 05 05/01/01 0 09825257 O 04/01/31 0 4669715 T24/G01 F 152,000.00 ZZ 360 151,689.35 1 9.375 1,264.26 95 9.125 1,264.26 ALBANY OR 97321 1 03/30/01 23 0432820405 05 05/01/01 0 09809016 N 04/01/31 0 4669724 808/G01 F 181,900.00 ZZ 360 178,596.46 1 8.750 1,431.01 107 8.500 1,431.01 TURLOCK CA 95380 1 05/01/01 23 0432823557 05 07/01/01 0 9420079 O 06/01/31 0 4670829 147/G01 F 184,967.00 ZZ 360 184,637.01 1 8.625 1,438.66 103 8.375 1,438.66 SURPRISE AZ 85374 1 04/24/01 23 0432782795 05 06/01/01 0 10420434 O 05/01/31 0 1 4671444 U42/G01 F 121,255.00 ZZ 360 121,049.55 1 8.875 964.76 103 8.625 964.76 MC KINNEY TX 75070 1 04/27/01 23 0432832244 03 06/01/01 0 11010009 O 05/01/31 0 4671591 Q64/G01 F 99,000.00 ZZ 360 98,852.74 1 9.500 832.45 100 9.250 832.45 WELLINGTON FL 33414 1 04/26/01 23 0432818946 09 06/01/01 0 0101819407 O 05/01/31 0 4673794 U05/G01 F 125,000.00 ZZ 360 124,876.54 1 9.500 1,051.07 100 9.250 1,051.07 OCEANSIDE CA 92057 1 05/08/01 23 0432870798 01 07/01/01 0 3122988 O 06/01/31 0 4674067 147/G01 F 57,680.00 ZZ 360 57,616.44 1 10.990 548.87 103 10.740 548.87 GIRARD OH 44420 1 04/26/01 23 0432804599 05 06/01/01 0 10418955 O 05/01/31 0 4675680 A11/G01 F 224,700.00 ZZ 360 224,367.95 1 9.531 1,894.49 107 9.281 1,894.49 ANAHEIM CA 92804 1 04/30/01 23 0432900470 05 06/01/01 0 4612498359 O 05/01/31 0 4677979 964/G01 F 160,000.00 ZZ 360 159,646.44 1 1 9.000 1,287.40 100 8.750 1,287.40 LAS VEGAS NV 89123 1 04/24/01 23 0432917987 03 06/01/01 0 120993 O 05/01/31 0 4680419 K15/G01 F 72,400.00 ZZ 360 72,250.83 1 10.375 655.51 97 10.125 655.51 EUNICE LA 70535 5 04/25/01 23 0432806743 05 06/01/01 0 000205303184 O 05/01/31 0 4681158 664/G01 F 141,000.00 T 360 140,726.53 1 9.625 1,198.49 100 9.375 1,198.49 HEBRON KY 41048 1 03/26/01 11 0432985729 03 05/01/01 35 0003913027 O 04/01/31 0 4681700 147/G01 F 250,000.00 ZZ 360 248,721.03 1 9.750 2,147.89 105 9.500 2,147.89 HOWELL NJ 07731 5 04/24/01 23 0432804896 05 06/01/01 0 1 O 05/01/31 0 4683217 R74/G01 F 36,050.00 ZZ 360 36,031.44 1 12.500 384.75 103 12.250 384.75 CORBIN KY 40701 1 05/14/01 23 0432873669 05 07/01/01 0 3030017810 O 06/01/31 0 4683909 Q01/G01 F 152,857.00 ZZ 360 152,706.04 1 9.500 1,285.30 100 9.250 1,285.30 OCEANSIDE CA 92057 1 05/14/01 23 0432836385 09 07/01/01 0 1 65379401 O 06/01/31 0 4684380 U28/G01 F 122,950.00 ZZ 360 122,804.30 1 8.625 956.29 100 8.375 956.29 WOODSTOCK GA 30189 1 05/15/01 23 0432899904 05 07/01/01 0 1 O 06/01/31 0 4684916 K15/G01 F 50,100.00 ZZ 360 50,039.77 1 10.500 458.28 99 10.250 458.28 SHREVEPORT LA 71108 5 04/25/01 23 0432814796 05 06/01/01 0 008405303071 O 05/01/31 0 4686158 964/G01 F 279,000.00 ZZ 360 278,562.74 1 9.250 2,295.26 100 9.000 2,295.26 PHOENIX AZ 85050 1 04/30/01 23 0432897023 05 06/01/01 0 120610 O 05/01/31 0 4686634 003/G01 F 172,000.00 ZZ 360 171,730.40 1 9.250 1,415.01 100 9.000 1,415.01 MCDONOUGH GA 30253 1 04/27/01 23 0432818227 05 06/01/01 0 1 O 05/01/31 0 4686811 U05/G01 F 137,000.00 ZZ 360 136,857.39 1 9.250 1,127.07 100 9.000 1,127.07 SPRING VALLEY CA 91978 1 05/01/01 23 0432817658 01 07/01/01 0 3116314 O 06/01/31 0 1 4687544 642/G01 F 168,920.00 ZZ 360 168,693.96 2 10.000 1,482.39 103 9.750 1,482.39 ORLANDO FL 32803 1 04/20/01 23 0432745057 05 06/01/01 0 03166301 O 05/01/31 0 4687879 E45/G01 F 66,800.00 ZZ 360 66,692.54 1 9.125 543.51 107 8.875 543.51 ALTHA FL 32421 1 04/30/01 23 0432836690 05 06/01/01 0 127707 O 05/01/31 0 4689976 950/G01 F 169,000.00 ZZ 360 168,682.68 1 8.375 1,284.52 107 8.125 1,284.52 HANSVILLE WA 98340 1 04/26/01 23 0432833655 05 06/01/01 0 E1104036 O 05/01/31 0 4690969 642/G01 F 51,700.00 ZZ 360 51,648.94 1 9.500 434.72 100 9.250 434.72 OCALA FL 34473 1 05/17/01 23 0432850741 05 07/01/01 0 04197101 O 06/01/31 0 4691250 964/G01 F 166,500.00 ZZ 360 166,128.70 1 8.750 1,309.86 107 8.500 1,309.86 HENDERSON NV 89015 1 04/26/01 23 0432858959 05 06/01/01 0 117743 O 05/01/31 0 4691445 E45/G01 F 41,310.00 ZZ 360 41,228.40 1 9.500 347.36 90 9.250 347.36 1 ORLANDO FL 32822 1 04/30/01 23 0432930600 01 06/01/01 0 132172 O 05/01/31 0 4692861 U35/G01 F 97,700.00 ZZ 360 97,637.31 1 11.875 995.56 103 11.625 995.56 LOS ANGELES CA 90044 1 05/17/01 23 0432840577 05 07/01/01 0 1 O 06/01/31 0 4693074 069/G01 F 149,000.00 ZZ 360 148,852.82 1 9.500 1,252.88 100 9.250 1,252.88 SAN JUAN CAPIST CA 92675 1 05/12/01 23 0432917979 01 07/01/01 0 35188185012 O 06/01/31 0 4693249 B57/G01 F 187,000.00 ZZ 360 186,794.95 1 9.000 1,504.64 100 8.750 1,504.64 LOS ANGELES(SHE CA 91403 1 05/01/01 23 0432831667 01 07/01/01 0 2113183 O 06/01/31 0 4695096 U28/G01 F 82,925.00 ZZ 360 82,788.11 1 9.000 667.23 107 8.750 667.23 METTER GA 30439 1 04/27/01 23 0432855765 05 06/01/01 0 DORMINEYJO O 05/01/31 0 4696541 286/G01 F 197,000.00 ZZ 360 196,743.26 1 10.125 1,747.05 99 9.875 1,747.05 TOLEDO OH 43614 2 04/11/01 23 0432899151 05 06/01/01 0 0000324375 O 05/01/31 0 1 4696551 T17/G01 F 120,500.00 ZZ 360 120,334.40 1 9.875 1,046.36 100 9.625 1,046.36 FUQUAY VARINA NC 27526 1 05/04/01 23 0432871614 05 06/02/01 0 0010001030679 O 05/02/31 0 4696580 R49/G01 F 236,900.00 ZZ 360 236,538.30 1 9.375 1,970.41 103 9.125 1,970.41 MARTINEZ CA 94553 1 04/18/01 23 0432906311 05 06/01/01 0 9708615 O 05/01/31 0 4697798 B28/G01 F 180,500.00 ZZ 360 180,224.40 1 9.375 1,501.31 95 9.125 1,501.31 ENGLEWOOD CO 80110 1 04/30/01 23 0432826907 05 06/01/01 0 0104160016 N 05/01/31 0 4699029 964/G01 F 181,500.00 ZZ 360 181,311.08 1 9.250 1,493.16 107 9.000 1,493.16 DENVER CO 80223 1 05/18/01 23 0432869469 05 07/01/01 0 124069 O 06/01/31 0 4699457 685/G01 F 244,900.00 ZZ 360 244,463.10 1 8.625 1,904.81 100 8.375 1,904.81 ANAHEIM CA 92804 1 04/30/01 23 0432780971 05 06/01/01 0 125488 O 05/01/31 0 4701472 808/G01 F 175,150.00 ZZ 360 174,952.87 1 1 8.875 1,393.58 105 8.625 1,393.58 NORWALK CA 90650 1 05/03/01 23 0432824886 05 07/01/01 0 9319158 O 06/01/31 0 4701487 808/G01 F 287,500.00 ZZ 360 287,347.00 1 9.125 2,339.20 100 8.875 2,339.20 LONG BEACH CA 90807 1 06/01/01 23 0432944940 05 08/01/01 0 9319190 O 07/01/31 0 4702114 180/G01 F 122,300.00 ZZ 360 122,126.59 1 8.625 951.24 105 8.375 951.24 LINCOLN PRK MI 48146 2 05/21/01 23 0432911725 05 07/01/01 0 0027036144 O 06/01/31 0 4702718 Q01/G01 F 71,928.00 ZZ 360 71,844.93 1 8.750 565.86 100 8.500 565.86 WILLINGBORO NJ 08046 1 05/09/01 23 0432819506 07 07/01/01 0 39788 O 06/01/31 0 4703498 U62/G01 F 169,250.00 ZZ 360 168,923.98 1 8.250 1,271.52 100 8.000 1,271.52 LUNA PIER MI 48157 5 04/25/01 23 0433012234 05 06/01/01 0 2001245439 O 05/01/31 0 4705122 N67/G01 F 137,250.00 ZZ 360 137,045.87 1 9.500 1,154.07 100 9.250 1,154.07 NORTH LAS VEGAS NV 89030 1 04/12/01 23 0432780351 03 06/01/01 0 1 1380001810 O 05/01/31 0 4705423 642/G01 F 117,500.00 ZZ 360 117,380.86 1 9.375 977.31 103 9.125 977.31 AURORA CO 80012 1 05/21/01 23 0432869055 09 07/01/01 0 04208701 O 06/01/31 0 4705736 180/G01 F 192,600.00 ZZ 360 192,298.15 1 9.250 1,584.47 107 9.000 1,584.47 SEATTLE WA 98118 1 04/26/01 23 0432902591 05 06/01/01 0 0017978453 O 05/01/31 0 4705887 003/G01 F 229,900.00 ZZ 360 229,268.62 1 9.500 1,933.13 100 9.250 1,933.13 WOODSTOCK GA 30188 1 04/05/01 23 0432888915 03 06/01/01 0 0021434295 O 05/01/31 0 4706045 808/G01 F 105,000.00 ZZ 360 104,916.17 1 10.500 960.48 100 10.250 960.48 ADELANTO CA 92301 1 05/04/01 23 0432886737 05 07/01/01 0 9319140 O 06/01/31 0 4707533 964/G01 F 319,300.00 ZZ 360 318,728.11 1 8.375 2,426.91 103 8.125 2,426.91 CYPRESS CA 90630 1 05/04/01 23 0432992279 05 07/01/01 0 116957 O 06/01/31 0 1 4708073 E22/G01 F 185,100.00 ZZ 360 184,794.39 1 9.000 1,489.36 107 8.500 1,489.36 FRESNO CA 93720 5 04/13/01 23 0412468233 05 06/01/01 0 0412468233 O 05/01/31 0 4708077 E22/G01 F 347,750.00 ZZ 360 347,175.86 1 9.000 2,798.08 107 8.500 2,798.08 PITTSBURG CA 94565 1 04/14/01 23 0412486169 09 06/01/01 0 0412486169 O 05/01/31 0 4708083 E22/G01 F 193,135.00 ZZ 360 192,824.31 1 9.125 1,571.41 107 8.875 1,571.41 AURORA CO 80012 1 04/26/01 23 0412507733 05 06/01/01 0 0412507733 O 05/01/31 0 4708485 F34/G01 F 66,000.00 ZZ 360 65,863.81 1 12.000 678.88 100 11.750 678.88 RICHMOND VA 23231 5 12/20/00 23 0432818490 05 02/01/01 0 32010327 O 01/01/31 0 4712087 180/G01 F 162,700.00 ZZ 360 162,628.02 1 10.000 1,427.81 102 9.750 1,427.81 JACKSON MI 49201 1 06/01/01 23 0432967362 05 08/01/01 0 0017806225 O 07/01/31 0 4712626 940/G01 F 170,000.00 ZZ 360 169,798.55 1 8.625 1,322.24 100 8.375 1,322.24 1 UPLAND CA 91786 1 05/03/01 23 0432815827 05 07/01/01 0 0111282 O 06/01/31 0 4715549 E22/G01 F 57,500.00 ZZ 360 57,414.48 2 9.500 483.49 100 9.250 483.49 SAGINAW MI 48602 1 04/27/01 23 0412526998 05 06/01/01 0 0412526998 O 05/01/31 0 4715606 E22/G01 F 114,000.00 ZZ 360 113,821.33 1 9.250 937.85 107 9.000 937.85 AURORA CO 80012 1 04/26/01 23 0412584914 01 06/01/01 0 0412584914 O 05/01/31 0 4715618 E22/G01 F 156,650.00 ZZ 360 156,417.01 1 9.500 1,317.20 95 9.250 1,317.20 DENVER CO 80229 1 04/27/01 23 0412595688 05 06/01/01 0 0412595688 N 05/01/31 0 4715894 T24/G01 F 169,900.00 ZZ 360 169,475.48 2 9.500 1,428.61 100 9.250 1,428.61 LAWRENCE MA 01841 1 03/01/01 23 0432779536 05 04/01/01 0 09781352 O 03/01/31 0 4715996 N67/G01 F 58,600.00 ZZ 360 58,510.51 1 9.375 487.41 100 9.125 487.41 HOUSTON TX 77083 1 04/19/01 23 0432771970 05 06/01/01 0 1160003751 O 05/01/31 0 1 4716019 T24/G01 F 234,800.00 ZZ 360 234,450.76 1 9.500 1,974.33 105 9.250 1,974.33 ELK GROVE CA 95758 1 04/02/01 23 0432819688 05 06/01/01 0 09815621 O 05/01/31 0 4716756 T24/G01 F 371,550.00 ZZ 360 370,852.33 1 8.375 2,824.05 107 8.125 2,824.05 PLEASANT HILL CA 94523 1 04/12/01 23 0432844264 05 06/01/01 0 09958154 O 05/01/31 0 4717080 T17/G01 F 121,995.00 ZZ 360 121,818.27 1 9.625 1,036.94 95 9.375 1,036.94 CHARLOTTE NC 28215 1 05/03/01 23 0432870467 05 06/01/01 0 01040357 N 05/01/31 0 4717815 737/G01 F 148,900.00 ZZ 360 148,756.77 1 9.625 1,265.63 100 9.375 1,265.63 MCDONOUGH GA 30252 1 05/21/01 23 0432863363 05 07/01/01 0 2025283 O 06/01/31 0 4718095 B28/G01 F 259,500.00 ZZ 360 259,222.75 1 9.125 2,111.38 103 8.875 2,111.38 DENVER CO 80206 1 05/03/01 23 0432837466 01 07/01/01 0 0104190029 O 06/01/31 0 4719127 B57/G01 F 265,050.00 ZZ 360 264,788.23 1 1 9.500 2,228.68 95 9.250 2,228.68 WEST HOLLYWOOD CA 90069 1 05/14/01 23 0432887057 01 07/01/01 0 2113576 O 06/01/31 0 4721354 T24/G01 F 300,000.00 ZZ 360 299,418.17 1 9.625 2,549.97 107 9.375 2,549.97 ANTIOCH CA 94509 1 03/15/01 23 0432872190 05 05/01/01 0 09776322 O 04/01/31 0 4722680 964/G01 F 197,760.00 ZZ 360 197,280.36 1 8.875 1,573.47 103 8.625 1,573.47 ROSEVILLE CA 95747 1 05/24/01 23 0432869485 05 07/01/01 0 123709 O 06/01/31 0 4723865 U05/G01 F 87,400.00 ZZ 360 87,270.00 1 9.500 734.91 103 9.250 734.91 HIGHLAND IL 62249 1 05/04/01 23 0432816643 05 06/01/01 0 3122670 O 05/01/31 0 4723875 T24/G01 F 108,490.00 ZZ 360 108,274.01 1 9.500 912.24 100 9.250 912.24 PLAINFIELD IL 60544 1 03/21/01 23 0432803633 05 05/01/01 0 09825804 O 04/01/31 0 4725477 642/G01 F 190,250.00 ZZ 360 190,076.43 2 9.875 1,652.03 103 9.625 1,652.03 SAN DIEGO CA 92105 1 05/30/01 23 0432883478 05 07/01/01 0 1 04227801 O 06/01/31 0 4725518 Q64/G01 F 72,750.00 ZZ 360 72,635.97 1 9.250 598.50 107 9.000 598.50 DAYTONA BEACH FL 32119 1 04/25/01 23 0432816395 07 06/01/01 0 0101835601 O 05/01/31 0 4725532 U35/G01 F 70,000.00 ZZ 360 69,958.61 1 11.875 713.30 100 11.625 713.30 MENOMONIE WI 54751 5 05/09/01 23 0432849990 05 07/01/01 0 0407801 O 06/01/31 0 4725716 Q64/G01 F 214,000.00 ZZ 360 213,689.97 1 9.625 1,818.98 100 9.375 1,818.98 DACULA GA 30019 1 04/24/01 23 0432808509 05 06/01/01 0 0101797504 O 05/01/31 0 4729245 642/G01 F 165,800.00 ZZ 360 165,636.24 1 9.500 1,394.14 107 9.250 1,394.14 NEWBURGH IN 47630 5 05/04/01 23 0432785061 05 07/01/01 0 03164601 O 06/01/31 0 4729962 G52/G01 F 238,500.00 ZZ 360 238,270.58 1 9.625 2,027.22 100 9.375 2,027.22 NORTH HILLS CA 91343 1 05/07/01 23 0432925865 05 07/01/01 0 6205000341 O 06/01/31 0 1 4730697 E22/G01 F 231,600.00 ZZ 360 231,255.53 1 9.500 1,947.42 103 9.250 1,947.42 LITTLETON CO 80128 1 04/30/01 23 0412554248 09 06/01/01 0 0412554248 O 05/01/31 0 4731155 B28/G01 F 196,400.00 ZZ 360 196,178.97 1 8.875 1,562.65 106 8.625 1,562.65 MANTECA CA 95336 1 05/04/01 23 0432887222 05 07/01/01 0 0103260015 O 06/01/31 0 4732421 964/G01 F 197,950.00 ZZ 360 197,520.68 1 8.750 1,557.27 107 8.500 1,557.27 CAMANO ISLAND WA 98282 1 05/12/01 23 0432869477 03 07/01/01 0 124225 O 06/01/31 0 4732576 K15/G01 F 70,000.00 ZZ 360 69,934.41 1 9.750 601.41 103 9.500 601.41 MEDINA NY 14103 5 05/07/01 23 0432815280 05 07/01/01 0 029505303255 O 06/01/31 0 4733218 948/G01 F 164,000.00 ZZ 360 160,947.80 1 9.375 1,364.07 107 9.125 1,364.07 LAS VEGAS NV 89142 2 02/07/01 23 0432862407 05 04/01/01 0 56819 O 03/01/31 0 4733391 R17/G01 F 270,000.00 ZZ 360 269,462.42 1 9.500 2,270.31 100 9.250 2,270.31 1 MT. PLEASANT SC 29464 1 03/28/01 23 0432784304 03 05/01/01 0 10000033650 O 04/01/31 0 4733732 642/G01 F 144,450.00 ZZ 360 144,307.34 1 9.500 1,214.61 107 9.250 1,214.61 PATASKALA OH 43062 2 05/04/01 23 0432811420 05 07/01/01 0 04143701 O 06/01/31 0 4733907 Q78/G01 F 139,100.00 ZZ 360 138,958.95 1 9.375 1,156.97 107 9.125 1,156.97 AURORA IL 60506 2 04/27/01 23 0432780120 05 07/01/01 0 685414 O 06/01/31 0 4734050 U28/G01 F 138,100.00 ZZ 360 137,956.27 1 9.250 1,136.11 100 9.000 1,136.11 AUSTELL GA 30168 1 05/18/01 23 0432845063 05 07/01/01 0 1 O 06/01/31 0 4734126 737/G01 F 121,100.00 ZZ 360 120,977.21 1 9.375 1,007.25 95 9.125 1,007.25 TEMPE AZ 85282 1 05/22/01 23 0432876845 09 07/01/01 0 2021945 N 06/01/31 0 4734754 T89/G01 F 64,890.00 ZZ 360 64,835.35 1 10.250 581.48 103 10.000 581.48 DARLINGTON SC 29532 1 05/07/01 23 0432852622 05 07/01/01 0 L255542 O 06/01/31 0 1 4735095 147/G01 F 290,000.00 ZZ 360 289,721.03 1 9.625 2,464.97 100 9.375 2,464.97 NORCO CA 92860 1 05/08/01 23 0432859296 05 07/01/01 0 1104213911 O 06/01/31 0 4735705 964/G01 F 186,950.00 ZZ 360 186,679.14 1 9.625 1,589.06 100 9.375 1,589.06 LAS VEGAS NV 89147 1 04/26/01 23 0432861086 03 06/01/01 0 420120712 O 05/01/31 0 4736403 K15/G01 F 55,400.00 ZZ 360 55,355.77 1 10.500 506.77 101 10.250 506.77 VILLA GROVE IL 61956 5 05/09/01 23 0432815587 05 07/01/01 0 027605305972 O 06/01/31 0 4736931 U96/G01 F 337,050.00 ZZ 360 336,444.50 1 8.750 2,651.57 107 8.500 2,651.57 HONOLULU HI 96825 1 05/14/01 23 0432858991 05 07/01/01 0 10400020 O 06/01/31 0 4736994 808/G01 F 124,500.00 ZZ 360 124,294.92 1 9.000 1,001.76 100 8.750 1,001.76 GILBERT AZ 85296 1 05/10/01 23 0432885622 03 07/01/01 0 9502804 O 06/01/31 0 4737705 E22/G01 F 77,000.00 ZZ 360 76,915.56 1 1 9.000 619.56 107 8.500 619.56 CHARLESTON AR 72933 1 05/02/01 23 0412548935 05 07/01/01 0 0412548935 O 06/01/31 0 4737743 E22/G01 F 112,450.00 ZZ 360 112,282.75 1 9.500 945.54 107 9.250 945.54 PONTIAC MI 48340 1 05/02/01 23 0412590820 05 06/01/01 0 0412590820 O 05/01/31 0 4737744 E22/G01 F 141,099.00 ZZ 360 140,859.80 1 10.250 1,264.39 103 9.750 1,264.39 LOXAHATCHEE FL 33470 1 05/02/01 23 0412591638 05 06/01/01 0 0412591638 O 05/01/31 0 4737763 E22/G01 F 103,000.00 ZZ 360 102,846.81 1 9.500 866.08 100 9.250 866.08 CLINTON TOWNSHI MI 48036 1 05/02/01 23 0412614547 01 06/01/01 0 0412614547 O 05/01/31 0 4738385 180/G01 F 195,597.00 ZZ 360 195,343.23 1 9.500 1,644.69 103 9.250 1,644.69 SOUTHFIELD MI 48034 1 05/31/01 23 0432998953 05 07/01/01 0 0027063411 O 06/01/31 0 4738936 U62/G01 F 152,250.00 ZZ 180 151,033.90 1 9.000 1,544.22 99 8.750 1,544.22 MERRIMACK NH 03054 2 04/25/01 04 0432783884 05 06/01/01 30 1 2001245300 O 05/01/16 0 4741303 K15/G01 F 85,400.00 ZZ 360 85,349.50 1 11.875 870.23 103 11.625 870.23 INDIANAPOLIS IN 46201 5 05/10/01 23 0432813418 05 07/01/01 0 027505305776 O 06/01/31 0 4741432 642/G01 F 291,916.00 ZZ 360 291,682.98 1 10.500 2,670.27 99 10.250 2,670.27 BIRMINGHAM AL 35244 5 05/04/01 23 0432816148 05 07/01/01 0 04180701 O 06/01/31 0 4741787 G76/G01 F 215,000.00 ZZ 360 214,793.17 2 9.625 1,827.48 100 9.375 1,827.48 ASHLAND MA 01721 1 05/17/01 23 0432895381 05 07/01/01 0 133326 O 06/01/31 0 4741833 A11/G01 F 95,000.00 ZZ 360 94,858.67 1 9.500 798.82 106 9.250 798.82 SMITHVILLE OH 44677 1 05/23/01 23 0432896736 05 06/23/01 0 4612481426 O 05/23/31 0 4742740 624/G01 F 185,600.00 ZZ 360 185,380.05 1 8.625 1,443.58 104 8.375 1,443.58 ROUND ROCK TX 78681 1 05/25/01 23 0432873776 03 07/01/01 0 82200210083F O 06/01/31 0 1 4742763 964/G01 F 99,000.00 ZZ 360 98,904.76 1 9.625 841.49 100 9.375 841.49 PHOENIX AZ 85050 1 05/10/01 23 0432871887 01 07/01/01 0 122910 O 06/01/31 0 4743995 T89/G01 F 99,900.00 ZZ 360 99,840.93 1 11.875 1,017.98 103 11.625 1,017.98 COLUMBIA SC 29170 2 05/18/01 23 0432852887 05 07/01/01 0 L063244 O 06/01/31 0 4744800 E22/G01 F 47,500.00 ZZ 360 47,429.34 1 9.500 399.41 95 9.250 399.41 INDIANAPOLIS IN 46208 1 05/03/01 23 0412604175 05 06/01/01 0 0412604175 N 05/01/31 0 4745524 F34/G01 F 300,000.00 ZZ 360 299,703.71 1 9.500 2,522.56 100 9.250 2,522.56 OVERLAND PARK KS 66224 1 05/25/01 23 0432887677 05 07/01/01 0 30105014 O 06/01/31 0 4745577 Q64/G01 F 116,650.00 ZZ 360 116,476.90 1 9.500 980.86 100 9.250 980.86 HAMPTON GA 30228 1 04/30/01 23 0432808418 05 06/01/01 0 0101773000 O 05/01/31 0 4746629 642/G01 F 139,000.00 ZZ 360 138,851.50 1 9.125 1,130.95 106 8.875 1,130.95 1 LAKEWOOD CO 80235 1 05/08/01 23 0432811404 01 07/01/01 0 04208101 O 06/01/31 0 4746785 P87/G01 F 96,859.00 ZZ 180 96,781.68 1 10.500 886.01 101 10.250 886.01 INDIANAPOLIS IN 46217 1 05/11/01 23 0432841229 03 07/01/01 0 HE31269 O 06/01/16 0 4746810 147/G01 F 66,000.00 ZZ 360 65,964.88 1 9.125 537.00 100 8.875 537.00 PUEBLO CO 81005 1 06/05/01 23 0432908341 05 08/01/01 0 10421610 O 07/01/31 0 4747517 808/G01 F 222,025.00 ZZ 360 221,787.80 1 9.125 1,806.47 107 8.875 1,806.47 TORRANCE CA 90501 1 05/10/01 23 0432817872 01 07/01/01 0 1 O 06/01/31 0 4747592 642/G01 F 124,500.00 ZZ 360 124,373.77 1 9.375 1,035.53 107 9.125 1,035.53 GROVE CITY OH 43212 2 05/08/01 23 0432813947 05 07/01/01 0 04191201 O 06/01/31 0 4749116 Q64/G01 F 174,050.00 ZZ 360 173,840.66 1 10.500 1,592.11 103 10.250 1,592.11 JAMESTOWN NC 27282 1 04/30/01 23 0432978161 03 06/01/01 0 0101762300 O 05/01/31 0 1 4749148 K15/G01 F 72,000.00 ZZ 360 71,934.02 1 11.750 726.78 103 11.500 726.78 PEABODY KS 66866 1 04/30/01 23 0432794972 05 06/01/01 0 208105310142 O 05/01/31 0 4751319 180/G01 F 132,000.00 ZZ 360 131,851.45 1 8.875 1,050.25 104 8.625 1,050.25 GREENSBORO NC 27408 1 05/22/01 23 0432901452 05 07/01/01 0 0027038264 O 06/01/31 0 4751395 700/G01 F 300,000.00 ZZ 360 299,733.47 1 10.000 2,632.71 100 9.750 2,632.71 TRACY CA 95376 1 05/11/01 23 0432902807 05 07/01/01 0 00258539 O 06/01/31 0 4752239 069/G01 F 176,500.00 ZZ 360 173,129.80 1 8.875 1,404.32 106 8.625 1,404.32 LA HABRA CA 90631 1 05/09/01 23 0432904175 01 07/01/01 0 35188141122 O 06/01/31 0 4753199 E22/G01 F 57,800.00 ZZ 360 57,745.86 1 9.750 496.59 100 9.250 496.59 HOOPER NE 68031 1 05/04/01 23 0412476772 05 07/01/01 0 0412476772 O 06/01/31 0 4753206 E22/G01 F 73,900.00 ZZ 360 73,828.92 1 1 9.625 628.14 106 9.375 628.14 CASS CITY MI 48726 1 05/04/01 23 0412508343 05 07/01/01 0 0412508343 O 06/01/31 0 4753231 E22/G01 F 87,550.00 ZZ 360 87,478.21 1 10.375 792.68 103 10.125 792.68 STAFFORD TX 77477 1 05/03/01 23 0412559015 05 07/01/01 0 0412559015 O 06/01/31 0 4753238 E22/G01 F 132,145.00 ZZ 360 131,968.36 1 8.875 1,051.40 107 8.625 1,051.40 BOISE ID 83706 1 05/02/01 23 0412569535 05 07/01/01 0 0412569535 O 06/01/31 0 4753248 E22/G01 F 153,985.00 ZZ 360 153,623.95 1 9.250 1,266.80 103 9.000 1,266.80 RIVERBANK CA 95367 1 05/01/01 23 0412580961 05 07/01/01 0 0412580961 O 06/01/31 0 4753262 E22/G01 F 154,300.00 ZZ 360 154,200.91 1 11.500 1,528.02 103 11.000 1,528.02 SACRAMENTO CA 95826 1 05/02/01 23 0412592495 05 07/01/01 0 0412592495 O 06/01/31 0 4753267 E22/G01 F 169,847.00 ZZ 360 169,692.04 1 9.875 1,474.86 103 9.625 1,474.86 VENETA OR 97487 1 04/30/01 23 0412597353 05 07/01/01 0 1 0412597353 O 06/01/31 0 4755013 N74/G01 F 95,230.00 ZZ 360 95,173.78 1 8.625 740.69 107 8.375 740.69 BENTONVILLE AR 72712 1 06/26/01 23 0432991248 05 08/01/01 0 0028995010 O 07/01/31 0 4755240 G75/G01 F 62,200.00 ZZ 360 62,129.98 1 8.875 494.90 95 8.625 494.90 LOWER TOWNSHIP NJ 08251 1 05/11/01 23 0432875920 05 07/01/01 0 04342325 N 06/01/31 0 4755682 U28/G01 F 48,410.00 ZZ 360 48,367.00 1 10.000 424.83 103 9.750 424.83 STILLMORE GA 30464 1 05/11/01 23 0432860245 05 07/01/01 0 1 O 06/01/31 0 4755963 K15/G01 F 120,800.00 ZZ 360 120,637.34 1 8.000 886.39 99 7.750 886.39 GREENSBURG IN 47240 5 05/10/01 23 0432808970 05 07/01/01 0 033705302536 O 06/01/31 0 4756460 642/G01 F 156,560.00 ZZ 360 156,339.10 1 9.750 1,345.09 103 9.500 1,345.09 CHANDLER AZ 85248 1 04/30/01 23 0432837920 03 06/01/01 0 02143801 O 05/01/31 0 1 4756473 147/G01 F 101,650.00 ZZ 360 101,203.79 1 9.500 854.73 107 9.250 854.73 PACOIMA CA 91331 1 05/09/01 23 0432856821 01 07/01/01 0 10420479 O 06/01/31 0 4756528 642/G01 F 96,300.00 ZZ 360 96,204.90 1 9.500 809.74 107 9.250 809.74 CHICAGO IL 60628 1 05/29/01 23 0432907004 05 07/01/01 0 05003301 O 06/01/31 0 4756768 B28/G01 F 99,750.00 ZZ 360 99,651.47 1 9.500 838.76 95 9.250 838.76 COLORADO SPRING CO 80916 1 05/29/01 23 0432895142 05 07/01/01 0 0105230003 N 06/01/31 0 4758346 685/G01 F 219,950.00 ZZ 360 219,695.98 1 8.750 1,730.35 100 8.500 1,730.35 ARCADIA CA 91007 1 05/01/01 23 0432786259 01 07/01/01 0 125487 O 06/01/31 0 4760293 U05/G01 F 195,000.00 ZZ 360 194,786.18 1 9.000 1,569.01 100 8.750 1,569.01 LIGHTHOUSE POIN FL 33064 1 05/25/01 23 0432856110 05 07/01/01 0 3133375 O 06/01/31 0 4760914 E22/G01 F 43,750.00 ZZ 360 43,709.92 1 11.750 441.62 103 11.250 441.62 1 UNION STAR MO 64494 1 05/07/01 23 0412450181 05 06/01/01 0 0412450181 O 05/01/31 0 4760922 E22/G01 F 300,000.00 ZZ 360 299,668.73 1 9.500 2,522.56 100 9.250 2,522.56 PLEASANT HILL CA 94523 1 05/01/01 23 0412505166 05 07/01/01 0 0412505166 O 06/01/31 0 4760930 E22/G01 F 157,500.00 ZZ 360 157,327.29 1 9.000 1,267.28 100 8.500 1,267.28 SYLMAR CA 91342 1 05/02/01 23 0412532186 01 07/01/01 0 0412532186 O 06/01/31 0 4760949 E22/G01 F 230,750.00 ZZ 360 230,378.80 1 9.125 1,877.46 100 8.625 1,877.46 MIAMI FL 33175 1 04/11/01 23 0412561573 05 06/01/01 0 0412561573 O 05/01/31 0 4760955 E22/G01 F 273,500.00 ZZ 360 273,229.87 1 9.500 2,299.74 100 9.250 2,299.74 LAGUNA HILLS CA 92653 1 05/01/01 23 0412563397 05 07/01/01 0 0412563397 O 06/01/31 0 4760979 E22/G01 F 130,800.00 ZZ 360 130,674.16 1 9.625 1,111.79 103 9.375 1,111.79 SAGINAW MI 48603 1 05/07/01 23 0412587081 05 07/01/01 0 0412587081 O 06/01/31 0 1 4761001 E22/G01 F 91,500.00 ZZ 360 91,363.92 1 9.500 769.38 100 9.250 769.38 HOUSTON TX 77085 1 05/04/01 23 0412613663 05 06/01/01 0 0412613663 O 05/01/31 0 4763082 664/G01 F 170,800.00 ZZ 360 170,626.82 1 9.375 1,420.63 104 9.125 1,420.63 THE COLONY TX 75056 1 05/24/01 23 0432924983 05 07/01/01 0 0008099657 O 06/01/31 0 4763104 U62/G01 F 103,750.00 ZZ 360 103,438.97 1 8.750 816.20 107 8.500 816.20 NEW BALTIMORE NY 12124 1 04/23/01 23 0432786036 05 06/01/01 0 2001232862 O 05/01/31 0 4763474 P57/G01 F 144,715.00 ZZ 180 144,596.33 1 10.375 1,310.26 103 10.125 1,310.26 PONTIAC MI 48340 5 05/25/01 23 0432897270 05 07/01/01 0 9910393 O 06/01/16 0 4763715 U05/G01 F 74,500.00 ZZ 360 74,428.34 1 9.625 633.24 105 9.375 633.24 SOUTH BEND IN 46616 1 05/10/01 23 0432856748 05 07/01/01 0 3131081 O 06/01/31 0 4764124 964/G01 F 159,650.00 ZZ 360 159,492.33 1 1 9.500 1,342.42 103 9.250 1,342.42 ENGLEWOOD CO 80110 1 05/18/01 23 0432875573 05 07/01/01 0 124605 O 06/01/31 0 4764770 642/G01 F 79,180.00 ZZ 360 79,093.18 1 9.000 637.10 107 8.750 637.10 CHICAGO IL 60619 1 05/21/01 23 0432830230 05 07/01/01 0 03196301 O 06/01/31 0 4765228 E87/G01 F 192,600.00 ZZ 360 192,383.26 1 8.875 1,532.41 107 8.625 1,532.41 RANCHO CUCAMONG CA 91730 2 05/16/01 23 0432886703 05 07/01/01 0 01050202 O 06/01/31 0 4765324 R74/G01 F 116,630.00 ZZ 360 116,506.03 1 9.150 951.05 107 8.900 951.05 MARQUETTE HEIGH IL 61554 2 05/08/01 23 0432871176 05 07/01/01 0 2020023456 O 06/01/31 0 4766961 Q64/G01 F 210,400.00 ZZ 360 210,087.06 1 9.500 1,769.16 100 9.250 1,769.16 CONYERS GA 30094 1 05/01/01 23 0432910297 05 06/01/01 0 010184600 O 05/01/31 0 4768025 664/G01 F 63,300.00 ZZ 360 63,250.80 1 10.625 584.96 103 10.375 584.96 LYNWOOD IL 60411 1 05/23/01 23 0432907046 01 07/01/01 0 1 0008076713 O 06/01/31 0 4768491 U05/G01 F 115,500.00 ZZ 360 115,385.93 1 9.500 971.19 100 9.250 971.19 TAMARAC FL 33321 1 05/16/01 23 0432847036 03 07/01/01 0 3132051 O 06/01/31 0 4768585 700/G01 F 149,000.00 ZZ 360 148,852.84 1 9.500 1,252.87 100 9.250 1,252.87 PALMDALE CA 93551 1 05/14/01 23 0432938165 05 07/01/01 0 00258948 O 06/01/31 0 4768952 E22/G01 F 371,900.00 ZZ 360 371,481.48 1 8.875 2,959.00 107 8.625 2,959.00 WINDSOR CA 95492 1 05/01/01 23 0412485682 05 07/01/01 0 0412485682 O 06/01/31 0 4768959 E22/G01 F 233,250.00 ZZ 360 232,975.79 1 8.750 1,834.98 107 8.500 1,834.98 SACRAMENTO CA 95823 1 05/03/01 23 0412531808 05 07/01/01 0 0412531808 O 06/01/31 0 4768960 E22/G01 F 172,200.00 ZZ 360 171,990.62 1 8.500 1,324.07 107 8.000 1,324.07 GARDNERVILLE NV 89410 9 05/02/01 23 0412532244 05 07/01/01 0 0412532244 O 06/01/31 0 1 4768980 E22/G01 F 157,290.00 ZZ 360 156,810.77 1 8.875 1,251.47 107 8.625 1,251.47 TOWSON MD 21204 2 05/01/01 23 0412574113 05 07/01/01 0 0412574113 O 06/01/31 0 4768990 E22/G01 F 203,100.00 ZZ 360 202,894.08 1 9.375 1,689.28 107 8.875 1,689.28 CONCORD CA 94521 1 05/02/01 23 0412587347 01 07/01/01 0 0412587347 O 06/01/31 0 4769016 E22/G01 F 100,390.00 ZZ 360 100,267.95 1 8.500 771.91 100 8.000 771.91 MIDVALE UT 84047 1 05/03/01 23 0412633216 01 07/01/01 0 0412633216 O 06/01/31 0 4769910 147/G01 F 109,180.00 ZZ 360 109,097.41 1 10.750 1,019.18 103 10.500 1,019.18 MIAMI FL 33157 1 05/11/01 23 0432859569 05 07/01/01 0 10421641 O 06/01/31 0 4769987 E45/G01 F 90,400.00 ZZ 360 90,247.10 1 8.990 726.73 107 8.740 726.73 ORANGE PARK FL 32065 1 04/27/01 23 0432781102 05 06/01/01 0 132170 O 05/01/31 0 4770428 U62/G01 F 89,000.00 ZZ 180 88,256.75 1 8.500 876.42 105 8.250 876.42 1 RENSSELAER NY 12144 5 04/25/01 23 0432785152 05 06/01/01 0 2001246433 O 05/01/16 0 4770646 940/G01 F 162,500.00 ZZ 360 162,232.49 1 8.250 1,220.81 106 8.000 1,220.81 MENTONE CA 92359 1 05/21/01 23 0432857100 05 07/01/01 0 WH3790 O 06/01/31 0 4771848 700/G01 F 133,900.00 ZZ 360 133,856.02 1 11.375 1,313.24 103 11.125 1,313.24 RESCUE CA 95672 1 06/04/01 23 0432949246 05 08/01/01 0 00257995 O 07/01/31 0 4773200 664/G01 F 97,700.00 ZZ 360 97,648.30 1 12.375 1,033.25 103 12.125 1,033.25 PORT ORANGE FL 32127 1 05/30/01 23 0432915429 05 07/01/01 0 008122574 O 06/01/31 0 4773288 U28/G01 F 181,050.00 ZZ 360 180,743.23 1 8.875 1,440.52 102 8.625 1,440.52 SAVANNAH GA 31410 1 04/25/01 23 0432821312 05 06/01/01 0 MCPETERSBMBB O 05/01/31 0 4773552 W33/G01 F 117,700.00 ZZ 360 117,533.94 1 9.750 1,011.22 107 9.500 1,011.22 SHELBYVILLE IN 46176 2 05/14/01 23 0432955490 05 06/17/01 0 0124688 O 05/17/31 0 1 4773686 W33/G01 F 112,000.00 ZZ 360 111,824.45 1 9.250 921.40 106 9.000 921.40 GOSHEN IN 46526 2 05/14/01 23 0432996395 05 06/17/01 0 0124572 O 05/17/31 0 4774424 W63/G01 F 192,600.00 ZZ 360 192,200.13 1 9.300 1,591.46 106 9.050 1,591.46 LOUISVILLE KY 40258 1 04/11/01 23 0432816122 05 05/11/01 0 748881305928 O 04/11/31 0 4774823 147/G01 F 96,800.00 T 360 96,669.40 1 7.990 709.61 105 7.740 709.61 PHOENIX AZ 85017 1 05/10/01 23 0432859288 09 07/01/01 0 10421337 O 06/01/31 0 4775858 E22/G01 F 133,700.00 ZZ 360 133,623.10 1 12.000 1,375.26 100 11.750 1,375.26 FORT LAUDERDALE FL 33322 2 05/04/01 23 0412536583 05 07/01/01 0 0412536583 O 06/01/31 0 4775863 E22/G01 F 299,450.00 ZZ 360 299,154.25 1 9.500 2,517.94 100 9.250 2,517.94 CONCORD CA 94518 1 05/04/01 23 0412547242 05 07/01/01 0 0412547242 O 06/01/31 0 4776320 U59/G01 F 79,400.00 ZZ 180 78,772.81 1 1 9.125 811.25 106 8.875 811.25 PHILADELPHIA PA 19149 5 05/21/01 23 0432889830 05 06/25/01 0 800851817 O 05/25/16 0 4776466 642/G01 F 83,500.00 ZZ 360 83,413.10 1 9.250 686.93 104 9.000 686.93 FARMINGTON MO 63640 1 05/03/01 23 0432813194 05 07/01/01 0 04130301 O 06/01/31 0 4776501 T24/G01 F 139,900.00 ZZ 360 139,686.39 1 9.375 1,163.62 100 9.125 1,163.62 SALEM OR 97302 1 04/23/01 23 0432813087 05 06/01/01 0 09782648 O 05/01/31 0 4776633 B28/G01 F 144,850.00 ZZ 360 144,766.66 1 8.750 1,139.54 100 8.500 1,139.54 TEMPE AZ 85252 1 06/26/01 23 0433014958 05 08/01/01 0 0104160037 O 07/01/31 0 4776744 T24/G01 F 229,050.00 ZZ 360 228,681.52 1 9.125 1,863.63 106 8.875 1,863.63 MODESTO CA 95356 1 04/17/01 23 0432818888 05 06/01/01 0 09961592 O 05/01/31 0 4776815 S20/G01 F 118,000.00 ZZ 360 117,837.82 1 9.875 1,024.66 100 9.625 1,024.66 LEXINGTON SC 29072 1 05/04/01 23 0432814119 03 06/04/01 0 1 0111200 O 05/04/31 0 4776863 737/G01 F 198,913.00 ZZ 360 198,809.88 1 9.250 1,636.41 107 9.000 1,636.41 MIAMI FL 33196 1 06/15/01 23 0432957389 03 08/01/01 0 0001768142 O 07/01/31 0 4776877 B57/G01 F 299,000.00 ZZ 360 296,544.04 1 8.625 2,325.59 100 8.375 2,325.59 VALLEY VILLAGE CA 91607 1 05/23/01 23 0432896769 05 07/01/01 0 2114134 O 06/01/31 0 4777129 U59/G01 F 119,605.00 ZZ 360 119,492.93 1 9.750 1,027.60 95 9.500 1,027.60 NEW MILFORD CT 06776 1 06/01/01 23 0432869907 01 07/01/01 0 800841475 O 06/01/31 0 4777197 808/G01 F 224,700.00 ZZ 360 224,459.93 1 9.125 1,828.24 107 8.875 1,828.24 ANAHEIM CA 92804 1 05/23/01 23 0432872711 05 07/01/01 0 9319364 O 06/01/31 0 4777273 N67/G01 F 280,000.00 ZZ 360 279,300.03 1 9.500 2,354.39 100 9.250 2,354.39 VENTURA CA 93001 5 04/24/01 23 0432876860 05 06/01/01 0 1780006062 O 05/01/31 0 1 4777515 T24/G01 F 76,475.00 ZZ 360 76,318.71 1 9.375 636.08 95 9.125 636.08 CHICAGO HEIGHTS IL 60411 1 03/23/01 23 0432829307 05 05/01/01 0 09825702 N 04/01/31 0 4777550 U28/G01 F 158,950.00 ZZ 360 158,780.18 1 9.125 1,293.27 100 8.875 1,293.27 NORCROSS GA 30093 1 06/01/01 23 0432899912 05 07/01/01 0 4777391 O 06/01/31 0 4777562 E45/G01 F 84,200.00 ZZ 360 84,159.66 1 9.625 715.69 95 9.375 715.69 LAKE WORTH FL 33463 1 06/07/01 23 0433003654 05 08/01/01 0 138090 N 07/01/31 0 4778667 Q64/G01 F 137,400.00 ZZ 360 137,126.41 1 9.500 1,155.34 100 9.250 1,155.34 HENDERSONVILLE NC 28792 1 05/02/01 23 0432911964 05 06/01/01 0 0101866309 O 05/01/31 0 4778843 W96/G01 F 130,000.00 ZZ 360 129,806.65 1 9.500 1,093.11 100 9.250 1,093.11 ORLANDO FL 32837 1 04/30/01 23 0432949014 03 06/01/01 0 21040172 O 05/01/31 0 4780091 664/G01 F 264,500.00 ZZ 360 264,366.43 1 9.375 2,199.98 100 9.125 2,199.98 1 BRAINTREE MA 02184 1 06/15/01 11 0433014230 05 08/01/01 35 0008021511 O 07/01/31 0 4781299 K15/G01 F 68,200.00 ZZ 360 68,136.12 1 9.750 585.94 105 9.500 585.94 CONNERSVILLE IN 47331 5 05/16/01 23 0432813103 05 07/01/01 0 033705302589 O 06/01/31 0 4781558 700/G01 F 243,000.00 ZZ 360 242,696.86 1 8.375 1,846.98 100 8.125 1,846.98 CASTAIC CA 91384 1 05/16/01 23 0432936805 05 07/01/01 0 0000163083 O 06/01/31 0 4782760 E22/G01 F 61,800.00 ZZ 360 61,750.67 1 10.500 565.31 103 10.250 565.31 MUSKEGON MI 49442 1 05/10/01 23 0412490542 05 07/01/01 0 0412490542 O 06/01/31 0 4782776 E22/G01 F 116,950.00 T 360 116,834.49 1 9.500 983.38 100 9.250 983.38 SOUTH LAKE TAHO CA 96150 1 05/02/01 23 0412583262 01 07/01/01 0 0412583262 O 06/01/31 0 4782779 E22/G01 F 114,950.00 ZZ 360 114,839.42 1 9.625 977.06 95 9.375 977.06 ROYAL OAK MI 48073 1 05/10/01 23 0412590697 05 07/01/01 0 0412590697 N 06/01/31 0 1 4782782 E22/G01 F 86,000.00 ZZ 360 85,917.27 1 9.625 730.99 100 9.125 730.99 DELRAY BEACH FL 33445 1 05/10/01 23 0412595225 09 07/01/01 0 0412595225 O 06/01/31 0 4782789 E22/G01 F 134,900.00 ZZ 360 134,770.22 1 9.625 1,146.64 95 9.375 1,146.64 RED OAK TX 75154 1 05/08/01 23 0412608184 05 07/01/01 0 0412608184 N 06/01/31 0 4782790 E22/G01 F 133,950.00 ZZ 360 133,821.15 1 9.625 1,138.56 95 9.375 1,138.56 RED OAK TX 75154 1 05/08/01 23 0412608192 05 07/01/01 0 0412608192 N 06/01/31 0 4782793 E22/G01 F 99,950.00 ZZ 360 99,843.21 1 9.125 813.23 107 8.875 813.23 PLAINFIELD TWP MI 49341 1 05/10/01 23 0412610891 05 07/01/01 0 0412610891 O 06/01/31 0 4782804 E22/G01 F 97,900.00 ZZ 360 97,800.74 1 9.375 814.28 100 8.875 814.28 MEMPHIS TN 38141 1 05/10/01 23 0412626160 05 07/01/01 0 0412626160 O 06/01/31 0 4782806 E22/G01 F 99,900.00 ZZ 360 99,787.57 1 1 8.875 794.85 100 8.625 794.85 LAKE PARK FL 33403 1 05/10/01 23 0412629941 05 07/01/01 0 0412629941 O 06/01/31 0 4782925 E82/G01 F 118,750.00 ZZ 360 118,626.39 1 9.250 976.93 95 9.000 976.93 ATWATER CA 95301 1 05/09/01 23 0400414272 05 07/01/01 0 0400414272 N 06/01/31 0 4783050 N67/G01 F 197,900.00 ZZ 360 197,605.66 1 9.500 1,664.05 100 9.250 1,664.05 GLENDALE AZ 85310 1 04/25/01 23 0432817559 03 06/01/01 0 1780006016 O 05/01/31 0 4783054 808/G01 F 183,000.00 ZZ 360 182,713.17 1 9.250 1,505.50 100 9.000 1,505.50 CORONA CA 92882 1 04/26/01 23 0432836591 03 06/01/01 0 9318456 O 05/01/31 0 4783171 642/G01 F 167,883.00 ZZ 360 167,721.50 1 9.625 1,426.99 107 9.375 1,426.99 INDIANOLA PA 15051 1 05/02/01 23 0432818060 05 07/01/01 0 04107201 O 06/01/31 0 4783190 P23/G01 F 90,300.00 ZZ 360 90,150.59 1 8.990 725.92 107 8.740 725.92 CINCINNATI OH 45236 1 04/30/01 23 0432927895 05 06/01/01 0 1 010001105 O 05/01/31 0 4783373 P87/G01 F 65,340.00 ZZ 180 65,239.09 1 9.750 561.38 99 9.500 561.38 HIAWATHA IA 52233 1 05/04/01 23 0432847895 01 06/01/01 0 HE31351 O 05/01/16 0 4783469 P87/G01 F 82,400.00 ZZ 180 82,298.20 1 10.375 746.06 103 10.125 746.06 GREEN BAY WI 54313 1 04/27/01 23 0432834083 05 06/01/01 0 HE31046 O 05/01/16 0 4783818 685/G01 F 287,000.00 ZZ 360 286,701.27 1 9.250 2,361.08 100 9.000 2,361.08 LOS ANGELES CA 90034 1 05/04/01 23 0432813251 05 07/01/01 0 125594 O 06/01/31 0 4784478 P87/G01 F 84,999.00 ZZ 180 84,854.96 1 8.875 676.30 100 8.625 676.30 MILWAUKEE WI 53207 1 04/30/01 23 0432826063 05 06/01/01 0 HE30630 O 05/01/16 0 4784528 964/G01 F 109,000.00 T 360 108,889.47 1 9.375 906.61 100 9.125 906.61 NAMPA ID 83686 1 05/15/01 23 0432873966 05 07/01/01 0 125532 O 06/01/31 0 1 4784689 P87/G01 F 45,345.00 ZZ 180 45,273.90 1 9.250 373.05 100 9.000 373.05 GREENVILLE PA 16125 1 04/30/01 23 0432891117 05 06/01/01 0 HE30512 O 05/01/16 0 4785553 N67/G01 F 109,000.00 ZZ 360 108,745.04 1 9.375 906.61 100 9.125 906.61 LAS VEGAS NV 89122 1 05/01/01 23 0432852242 05 06/01/01 0 1380002406 O 05/01/31 0 4786375 808/G01 F 311,000.00 ZZ 360 310,649.99 1 8.875 2,474.46 104 8.625 2,474.46 PEORIA AZ 85382 1 05/25/01 23 0432909596 03 07/01/01 0 9502900 O 06/01/31 0 4786559 685/G01 F 139,850.00 ZZ 360 139,692.62 2 8.875 1,112.71 100 8.625 1,112.71 PARAMOUNT CA 90723 1 05/02/01 23 0432832210 05 07/01/01 0 125072 O 06/01/31 0 4786873 R54/G01 F 78,280.00 ZZ 360 78,206.66 1 9.750 672.55 95 9.500 672.55 BATON ROUGE LA 70816 1 05/25/01 23 0432917862 09 07/01/01 0 2000001789 N 06/01/31 0 4787170 N67/G01 F 116,350.00 ZZ 360 116,190.12 1 9.875 1,010.32 103 9.625 1,010.32 1 NORTH RICHLAND TX 78180 1 05/01/01 23 0432817716 05 06/01/01 0 1160003939 O 05/01/31 0 4787495 253/G01 F 56,650.00 ZZ 360 56,592.55 1 9.375 471.19 103 9.125 471.19 BURLESON TX 76028 1 05/17/01 23 0432900678 05 07/01/01 0 970548 O 06/01/31 0 4787829 F34/G01 F 123,000.00 ZZ 360 122,878.51 1 9.500 1,034.25 92 9.250 1,034.25 BOCA RATON FL 33428 1 05/24/01 04 0432929024 09 07/01/01 30 30104050 O 06/01/31 0 4788857 S02/G01 F 219,350.00 ZZ 360 219,139.00 1 9.625 1,864.45 107 9.375 1,864.45 LAGUNA NIGUEL CA 92677 1 05/17/01 23 0432863041 01 07/01/01 0 01105013 O 06/01/31 0 4789199 E87/G01 F 52,250.00 ZZ 360 52,194.19 1 9.125 425.12 95 8.875 425.12 MCALLEN TX 78501 1 05/24/01 23 0432851491 05 07/01/01 0 01050168 O 06/01/31 0 4790164 E22/G01 F 82,350.00 ZZ 360 82,266.49 1 9.375 684.95 107 9.125 684.95 MIAMI FL 33176 1 05/11/01 23 0412506248 05 07/01/01 0 0412506248 O 06/01/31 0 1 4790177 E22/G01 F 105,050.00 ZZ 360 104,961.53 1 10.250 941.35 103 9.750 941.35 SACRAMENTO CA 95815 2 05/02/01 23 0412562688 05 07/01/01 0 0412562688 O 06/01/31 0 4790195 E22/G01 F 69,010.00 ZZ 360 68,943.61 1 9.625 586.58 103 9.375 586.58 HOUSTON TX 77071 1 05/11/01 23 0412584989 09 07/01/01 0 0412584989 O 06/01/31 0 4790214 E22/G01 F 48,050.00 ZZ 360 47,995.92 1 8.875 382.31 100 8.625 382.31 OXFORD AL 36203 1 05/11/01 23 0412609786 05 07/01/01 0 0412609786 O 06/01/31 0 4790231 E22/G01 F 284,600.00 ZZ 360 284,287.91 1 9.000 2,289.96 102 8.750 2,289.96 ROSEVILLE CA 95661 1 05/09/01 23 0412633125 05 07/01/01 0 0412633125 O 06/01/31 0 4790310 E82/G01 F 109,250.00 ZZ 360 109,136.30 1 9.250 898.77 95 9.000 898.77 MERCED CA 95340 1 05/10/01 23 0400414355 09 07/01/01 0 0400414355 N 06/01/31 0 4790559 E58/G01 F 245,000.00 ZZ 360 244,776.46 1 1 9.875 2,127.46 100 9.625 2,127.46 BAILEY CO 80421 1 05/16/01 23 0432919470 05 07/01/01 0 18578336 O 06/01/31 0 4791788 F34/G01 F 115,900.00 ZZ 360 115,785.53 1 9.500 974.55 100 9.250 974.55 DELRAY BEACH FL 33445 1 05/09/01 23 0432902369 09 07/01/01 0 30104036 O 06/01/31 0 4791885 K15/G01 F 182,300.00 ZZ 360 182,094.84 1 8.875 1,450.46 106 8.625 1,450.46 CHAMPLIN MN 55316 5 05/16/01 23 0432813541 05 07/01/01 0 013105304140 O 06/01/31 0 4792066 147/G01 F 107,000.00 ZZ 360 106,888.61 1 9.250 880.27 107 9.000 880.27 PLANTATION FL 33324 5 06/01/01 23 0432962702 01 07/01/01 0 10420572 O 06/01/31 0 4792162 J95/G01 F 186,000.00 ZZ 360 186,000.00 1 8.875 1,479.90 104 8.625 1,479.90 HOWELL MI 48843 5 07/11/01 23 0433017118 05 09/01/01 0 0027100528 O 08/01/31 0 4792639 U05/G01 F 69,500.00 ZZ 360 69,465.82 1 9.500 584.39 100 9.250 584.39 INDIANAPOLIS IN 46268 1 06/28/01 23 0432997377 09 08/01/01 0 1 3129122 O 07/01/31 0 4792666 940/G01 F 113,300.00 ZZ 360 113,182.07 1 9.250 932.09 103 9.000 932.09 HESPERIA CA 92345 1 05/16/01 23 0432857225 05 07/01/01 0 65010065 O 06/01/31 0 4792937 G75/G01 F 151,100.00 ZZ 360 150,934.30 1 9.000 1,215.79 100 8.750 1,215.79 FORT WASHINGTON MD 20744 1 05/30/01 23 0432875292 05 07/01/01 0 04367947 O 06/01/31 0 4793163 964/G01 F 172,000.00 ZZ 360 171,825.60 1 9.375 1,430.61 100 9.125 1,430.61 LONG BEACH CA 90805 1 05/14/01 23 0432875565 05 07/01/01 0 120711 O 06/01/31 0 4794217 642/G01 F 212,930.00 ZZ 360 212,729.48 1 9.875 1,848.97 106 9.625 1,848.97 NATIONAL CITY CA 91950 5 05/15/01 23 0432906733 05 07/01/01 0 04103301 O 06/01/31 0 4795500 F34/G01 F 147,000.00 ZZ 360 146,854.81 1 9.500 1,236.06 100 9.250 1,236.06 COLLEGE PARK GA 30349 1 05/18/01 23 0432887719 05 07/01/01 0 30105019 O 06/01/31 0 1 4795529 N67/G01 F 154,480.00 ZZ 360 154,278.71 1 10.125 1,369.96 103 9.875 1,369.96 LAS VEGAS NV 89110 1 05/03/01 23 0432819548 05 06/01/01 0 1380002421 O 05/01/31 0 4796859 700/G01 F 241,900.00 ZZ 360 241,760.82 1 8.750 1,903.03 103 8.500 1,903.03 ROSEVILLE CA 95678 1 06/06/01 23 0432994978 05 08/01/01 0 00258494 O 07/01/31 0 4797472 700/G01 F 208,000.00 ZZ 360 207,789.10 1 9.375 1,730.04 100 9.125 1,730.04 THOUSAND OAKS CA 91320 1 05/20/01 23 0432952588 01 07/01/01 0 00259090 O 06/01/31 0 4797706 E22/G01 F 135,000.00 ZZ 360 134,880.06 1 10.000 1,184.72 103 9.750 1,184.72 CORYDON IN 47112 2 05/09/01 23 0412517831 05 07/01/01 0 0412517831 O 06/01/31 0 4797722 E22/G01 F 67,400.00 ZZ 360 67,333.42 1 9.500 566.74 107 9.000 566.74 SEBRING FL 33872 5 05/09/01 23 0412574527 05 07/01/01 0 0412574527 O 06/01/31 0 4797730 E22/G01 F 132,870.00 ZZ 360 132,742.19 1 9.625 1,129.38 103 9.375 1,129.38 1 MODESTO CA 95355 1 05/07/01 23 0412581084 05 07/01/01 0 0412581084 O 06/01/31 0 4797744 E22/G01 F 92,150.00 ZZ 360 92,058.98 1 9.500 774.85 95 9.250 774.85 COLTON CA 92324 1 05/04/01 23 0412594905 05 07/01/01 0 0412594905 N 06/01/31 0 4797756 E22/G01 F 225,000.00 ZZ 360 224,777.78 1 9.500 1,891.92 100 9.250 1,891.92 SO. LAKE TAHOE CA 96150 1 05/08/01 23 0412603185 05 07/01/01 0 0412603185 O 06/01/31 0 4797758 E22/G01 F 184,000.00 ZZ 360 183,798.23 1 9.000 1,480.51 107 8.500 1,480.51 RANCHO CORDOVA CA 95670 1 05/10/01 23 0412603763 05 07/01/01 0 0412603763 O 06/01/31 0 4797777 E22/G01 F 89,950.00 ZZ 360 89,811.76 1 9.875 781.08 100 9.625 781.08 CASTLE HAYNE NC 28429 5 05/08/01 23 0412619686 05 07/01/01 0 0412619686 O 06/01/31 0 4797790 E22/G01 F 102,700.00 ZZ 360 102,590.28 1 9.125 835.60 96 8.875 835.60 FORT WORTH TX 76108 2 05/09/01 23 0412632069 05 07/01/01 0 0412632069 O 06/01/31 0 1 4797792 E22/G01 F 47,400.00 ZZ 360 47,353.20 1 9.500 398.56 95 9.250 398.56 INDIANAPOLIS IN 46208 1 05/14/01 23 0412637811 05 07/01/01 0 0412637811 N 06/01/31 0 4797798 E22/G01 F 115,000.00 ZZ 360 114,886.43 1 9.500 966.98 100 9.250 966.98 STONE MOUNTAIN GA 30083 1 05/14/01 23 0412644247 05 07/01/01 0 0412644247 O 06/01/31 0 4799475 737/G01 F 92,700.00 ZZ 360 92,623.99 1 10.375 839.31 103 10.125 839.31 TULSA OK 74105 1 05/21/01 23 0432831980 05 07/01/01 0 0001768720 O 06/01/31 0 4799620 U28/G01 F 126,700.00 ZZ 360 126,571.52 1 9.375 1,053.83 100 9.125 1,053.83 DOUGLASVILLE GA 30135 1 05/25/01 23 0432900777 05 07/01/01 0 1 O 06/01/31 0 4799621 685/G01 F 89,500.00 ZZ 360 89,396.63 1 8.750 704.10 100 8.500 704.10 WORLAND WY 82401 1 05/30/01 23 0432844009 05 07/01/01 0 125736 O 06/01/31 0 4800558 U28/G01 F 55,550.00 ZZ 360 55,495.14 1 1 9.500 467.09 95 9.250 467.09 RIVERDALE GA 30274 1 05/18/01 23 0432899888 01 07/01/01 0 1 N 06/01/31 0 4800738 642/G01 F 74,900.00 ZZ 360 74,808.92 1 8.500 575.92 107 8.250 575.92 FORT MYERS FL 33907 1 05/31/01 23 0432913697 05 07/01/01 0 05050701 O 06/01/31 0 4800842 964/G01 F 246,100.00 ZZ 360 245,837.08 1 9.125 2,002.35 107 8.875 2,002.35 FREMONT CA 94536 1 05/31/01 23 0432872539 01 07/01/01 0 125455 O 06/01/31 0 4801984 950/G01 F 148,700.00 ZZ 360 148,504.80 1 8.125 1,104.09 107 7.875 1,104.09 PUYALLUP WA 98373 1 05/23/01 23 0432911055 05 07/01/01 0 N4104017 O 06/01/31 0 4802641 U35/G01 F 89,610.00 ZZ 360 89,557.01 1 11.875 913.13 103 11.625 913.13 KAUKAUNA WI 54130 5 05/18/01 23 0432869832 05 07/01/01 0 1 O 06/01/31 0 4803740 E86/G01 F 112,270.00 ZZ 360 112,164.82 1 9.750 964.57 103 9.500 964.57 AURORA IL 60504 1 05/23/01 23 0432858512 09 07/01/01 0 1 000115180 O 06/01/31 0 4803790 J95/G01 F 145,000.00 ZZ 360 144,871.17 1 10.000 1,272.48 100 9.750 1,272.48 CARSON CITY NV 89701 1 05/21/01 23 0432919264 05 07/01/01 0 0023477268 O 06/01/31 0 4804026 P57/G01 F 85,600.00 ZZ 180 85,481.71 1 9.850 741.74 107 9.600 741.74 GRAND RAPIDS MI 49504 1 05/07/01 23 0432836724 05 06/07/01 0 9910091 O 05/07/16 0 4804027 P57/G01 F 75,435.00 ZZ 180 75,332.23 1 9.990 661.44 107 9.740 661.44 IONIA MI 48846 1 05/02/01 23 0432873081 05 06/02/01 0 9910172 O 05/02/16 0 4805321 E22/G01 F 394,508.00 ZZ 360 394,086.51 1 9.125 3,209.85 100 8.875 3,209.85 VALLEJO CA 94591 1 05/11/01 23 0412535387 05 07/01/01 0 0412535387 O 06/01/31 0 4805324 E22/G01 F 46,550.00 ZZ 360 46,504.02 1 9.500 391.42 95 9.250 391.42 MISHAWAKA IN 46545 1 05/15/01 23 0412540841 05 07/01/01 0 0412540841 N 06/01/31 0 1 4805356 E22/G01 F 102,050.00 ZZ 360 101,949.22 1 9.500 858.09 107 9.250 858.09 SPARTANBURG SC 29303 1 05/15/01 23 0412596363 05 07/01/01 0 0412596363 O 06/01/31 0 4805359 E22/G01 F 182,000.00 ZZ 360 181,820.25 1 9.500 1,530.35 100 9.000 1,530.35 PALMDALE CA 93550 1 05/10/01 23 0412599797 05 07/01/01 0 0412599797 O 06/01/31 0 4805365 E22/G01 F 142,400.00 ZZ 360 142,303.39 1 11.250 1,383.08 95 10.750 1,383.08 NARBERTH PA 19072 1 05/15/01 23 0412608390 07 07/01/01 0 0412608390 O 06/01/31 0 4805374 E22/G01 F 57,000.00 ZZ 360 56,943.70 1 9.500 479.29 95 9.000 479.29 LAKE WORTH FL 33460 1 05/14/01 23 0412614752 05 07/01/01 0 0412614752 N 06/01/31 0 4805376 E22/G01 F 61,800.00 ZZ 360 61,750.67 1 10.500 565.31 103 10.250 565.31 CALUMET IL 60409 1 05/15/01 23 0412614919 05 07/01/01 0 0412614919 O 06/01/31 0 4805388 E22/G01 F 74,900.00 ZZ 360 74,824.06 1 9.375 622.98 107 8.875 622.98 1 GRAPEVINE TX 76051 1 05/10/01 23 0412624546 05 07/01/01 0 0412624546 O 06/01/31 0 4805389 E22/G01 F 207,550.00 ZZ 360 207,115.70 1 8.875 1,651.36 107 8.625 1,651.36 AURORA CO 80013 2 05/10/01 23 0412626905 05 07/01/01 0 0412626905 O 06/01/31 0 4805392 E22/G01 F 46,350.00 ZZ 360 46,308.83 1 10.000 406.75 103 9.750 406.75 WHITTEMORE MI 48770 1 05/15/01 23 0412629123 05 07/01/01 0 0412629123 O 06/01/31 0 4805397 E22/G01 F 397,000.00 ZZ 360 396,575.86 1 9.125 3,230.12 104 8.875 3,230.12 NEW ORLEANS LA 70131 1 05/15/01 23 0412629719 03 07/01/01 0 0412629719 O 06/01/31 0 4805399 E22/G01 F 397,500.00 ZZ 360 397,117.61 1 9.625 3,378.71 100 9.375 3,378.71 EXCELSIOR MN 55331 1 05/15/01 23 0412632101 05 07/01/01 0 0412632101 O 06/01/31 0 4805408 E22/G01 F 69,900.00 ZZ 360 69,832.77 1 9.625 594.14 100 9.375 594.14 BILLINGS MT 59101 1 05/15/01 23 0412644957 05 07/01/01 0 0412644957 O 06/01/31 0 1 4805409 E22/G01 F 56,500.00 ZZ 360 56,447.07 1 9.750 485.42 106 9.500 485.42 THREE RIVERS MI 49093 1 05/15/01 23 0412646432 05 07/01/01 0 0412646432 O 06/01/31 0 4806481 561/G01 F 145,900.00 ZZ 360 145,752.05 1 9.375 1,213.53 100 9.125 1,213.53 ODENTON MD 21113 1 05/11/01 23 0432839629 09 07/01/01 0 18579144 O 06/01/31 0 4806489 737/G01 F 173,500.00 ZZ 360 173,261.59 1 9.875 1,506.58 103 9.625 1,506.58 BIRMINGHAM AL 35242 1 04/26/01 23 0432831717 03 06/01/01 0 2021718 O 05/01/31 0 4806927 737/G01 F 193,000.00 ZZ 360 192,689.53 1 9.125 1,570.31 82 8.875 1,570.31 LAWRENCEVILLE GA 30043 1 05/01/01 23 0432910487 05 06/01/01 0 2023188 O 05/01/31 0 4807046 147/G01 F 247,000.00 ZZ 360 246,736.10 1 9.125 2,009.68 100 8.875 2,009.68 NORTH HILLS CA 91343 1 05/31/01 23 0432913853 05 07/01/01 0 10422652 O 06/01/31 0 4807649 642/G01 F 129,000.00 ZZ 360 128,894.21 1 1 10.375 1,167.98 100 10.125 1,167.98 CHARLOTTE NC 28273 1 05/11/01 23 0432828846 05 07/01/01 0 04207801 O 06/01/31 0 4808334 R17/G01 F 294,250.00 ZZ 360 293,751.42 1 8.875 2,341.19 107 8.625 2,341.19 SAN DIEGO CA 92127 1 04/06/01 23 0432891513 05 06/01/01 0 1000034460 O 05/01/31 0 4808766 642/G01 F 284,900.00 ZZ 360 284,249.67 1 9.500 2,395.59 100 9.250 2,395.59 REDMOND WA 98052 1 05/09/01 23 0432815215 05 07/01/01 0 03203801 O 06/01/31 0 4810048 E87/G01 F 108,500.00 ZZ 360 108,384.08 1 9.125 882.79 100 8.875 882.79 JUSTIN TX 76247 1 05/22/01 23 0432895522 05 07/01/01 0 014040571 O 06/01/31 0 4810535 F34/G01 F 96,000.00 ZZ 360 95,905.19 1 9.500 807.22 100 9.250 807.22 KANSAS CITY MO 64137 1 05/22/01 23 0432887636 05 07/01/01 0 1 O 06/01/31 0 4810553 950/G01 F 129,650.00 ZZ 360 129,488.28 1 8.375 985.43 95 8.125 985.43 KENT WA 98032 1 05/29/01 23 0433033479 05 07/01/01 0 1 N4105025 N 06/01/31 0 4811448 E45/G01 F 142,200.00 ZZ 360 142,070.27 1 9.875 1,234.79 90 9.625 1,234.79 LINDENHURST IL 60046 1 05/31/01 23 0432895654 05 07/01/01 0 139859 O 06/01/31 0 4811572 808/G01 F 213,750.00 ZZ 360 213,503.13 1 8.750 1,681.58 100 8.500 1,681.58 MOORPARK CA 93021 1 05/21/01 23 0432844736 03 07/01/01 0 9502958 O 06/01/31 0 4811699 808/G01 F 144,400.00 ZZ 360 144,253.59 1 9.375 1,201.05 95 9.125 1,201.05 OAK PARK CA 91377 1 05/22/01 23 0432846848 01 07/01/01 0 WILSON O 06/01/31 0 4811808 U05/G01 F 152,000.00 ZZ 360 151,925.23 1 9.500 1,278.10 95 9.250 1,278.10 MIAMI SHORES FL 33150 1 06/04/01 23 0432887610 05 08/01/01 0 3134384 N 07/01/31 0 4813527 286/G01 F 81,782.00 ZZ 360 81,658.71 1 9.500 687.67 103 9.250 687.67 STEVENS POINT WI 54481 1 04/30/01 23 0432815025 05 06/01/01 0 278059 O 05/01/31 0 1 4814151 S02/G01 F 147,100.00 ZZ 360 146,942.85 1 9.125 1,196.85 100 8.875 1,196.85 ANTIOCH TN 37013 1 05/11/01 23 0432858868 05 07/01/01 0 01104159 O 06/01/31 0 4814246 808/G01 F 190,000.00 ZZ 360 189,780.56 1 8.750 1,494.74 100 8.500 1,494.74 NEWMAN CA 95360 1 05/22/01 23 0432872364 05 07/01/01 0 9421260 O 06/01/31 0 4814327 T24/G01 F 147,660.00 ZZ 360 147,428.58 1 9.250 1,214.76 107 9.000 1,214.76 ALEXANDRIA VA 22309 1 04/30/01 23 0432887008 09 06/01/01 0 09953653 O 05/01/31 0 4814746 642/G01 F 107,000.00 ZZ 360 106,950.08 1 9.750 919.30 107 9.500 919.30 EDGERTON OH 43517 5 06/19/01 23 0432986354 05 08/01/01 0 05055301 O 07/01/31 0 4814922 Q78/G01 F 254,660.00 ZZ 360 254,279.42 1 8.990 2,047.22 107 8.740 2,047.22 WHEAT RIDGE CO 80033 5 05/11/01 23 0432830487 03 07/01/01 0 686261 O 06/01/31 0 4815505 M43/G01 F 105,235.00 ZZ 360 105,128.28 1 9.375 875.30 104 9.125 875.30 1 FAIRFAX VA 22033 1 05/25/01 23 0432869071 01 07/01/01 0 701229927 O 06/01/31 0 4815626 Q78/G01 F 192,600.00 ZZ 360 192,382.06 1 9.240 1,583.08 105 8.990 1,583.08 LAKE IN THE HIL IL 60102 5 05/04/01 23 0432829117 05 07/01/01 0 685750 O 06/01/31 0 4816678 737/G01 F 33,250.00 ZZ 360 33,216.28 1 9.375 276.56 95 9.125 276.56 PASADENA TX 77506 1 05/23/01 14 0432855617 05 07/01/01 30 2024958 O 06/01/31 0 4816716 E22/G01 F 137,800.00 ZZ 360 137,644.92 1 8.875 1,096.40 105 8.625 1,096.40 LINCOLN CA 95648 1 05/03/01 23 0412602898 07 07/01/01 0 0412602898 O 06/01/31 0 4816725 E22/G01 F 171,495.00 ZZ 360 171,334.33 1 9.750 1,473.41 103 9.250 1,473.41 EULESS TX 76040 1 05/14/01 23 0412617243 05 07/01/01 0 0412617243 O 06/01/31 0 4816731 E22/G01 F 141,500.00 ZZ 360 141,311.74 1 9.500 1,189.81 105 9.000 1,189.81 SALT LAKE CITY UT 84102 5 05/08/01 23 0412625220 05 07/01/01 0 0412625220 O 06/01/31 0 1 4816736 E22/G01 F 61,300.00 ZZ 360 61,241.04 1 9.625 521.04 100 9.375 521.04 O'FALLON MO 63366 1 05/16/01 23 0412627192 01 07/01/01 0 0412627192 O 06/01/31 0 4816743 E22/G01 F 104,500.00 ZZ 360 104,396.79 1 9.500 878.69 95 9.250 878.69 MESQUITE TX 75181 1 05/16/01 23 0412635872 05 07/01/01 0 0412635872 N 06/01/31 0 4816751 E22/G01 F 223,250.00 ZZ 360 223,029.51 1 9.500 1,877.21 100 9.250 1,877.21 DENVER CO 80249 1 05/16/01 23 0412645012 03 07/01/01 0 0412645012 O 06/01/31 0 4816753 E22/G01 F 100,950.00 ZZ 360 100,855.42 1 9.750 867.32 100 9.500 867.32 CHEYENNE WY 82007 1 05/16/01 23 0412649535 05 07/01/01 0 0412649535 O 06/01/31 0 4816758 E22/G01 F 77,000.00 ZZ 360 76,925.93 1 9.625 654.49 105 9.375 654.49 NEW BRAUNFELS TX 78130 1 05/15/01 23 0412659575 05 07/01/01 0 0412659575 O 06/01/31 0 4817652 624/G01 F 129,750.00 ZZ 360 129,572.64 1 1 9.750 1,114.75 103 9.500 1,114.75 WENATCHEE WA 98801 1 05/22/01 23 0432835122 05 07/01/01 0 85700510263F O 06/01/31 0 4817717 N74/G01 F 109,489.00 ZZ 360 109,391.73 1 10.000 960.84 103 9.750 960.84 MAUMELLE AR 72113 5 05/22/01 23 0432906816 05 07/01/01 0 0028837010 O 06/01/31 0 4820166 N67/G01 F 159,700.00 ZZ 360 159,529.39 1 9.125 1,299.37 100 8.875 1,299.37 CHANDLER AZ 85249 1 05/07/01 23 0432897635 03 07/01/01 0 1780006275 O 06/01/31 0 4820198 G75/G01 F 124,150.00 ZZ 360 124,013.87 1 9.000 998.94 100 8.750 998.94 MECHANICSVILLE VA 23111 1 05/24/01 23 0432871671 05 07/01/01 0 04370413 O 06/01/31 0 4820789 U59/G01 F 110,500.00 ZZ 360 110,393.70 1 9.625 939.24 100 9.375 939.24 ULSTER PARK NY 12487 1 05/31/01 23 0432882868 05 07/01/01 0 01933800853774 O 06/01/31 0 4820879 E22/G01 F 118,100.00 ZZ 360 117,967.09 1 8.875 939.66 107 8.375 939.66 MIAMI FL 33169 1 05/17/01 23 0412565715 05 07/01/01 0 1 0412565715 O 06/01/31 0 4820881 E22/G01 F 87,550.00 ZZ 360 87,478.21 1 10.375 792.68 103 10.125 792.68 PHOENIX AZ 85006 2 05/03/01 23 0412581191 05 07/01/01 0 0412581191 O 06/01/31 0 4820889 E22/G01 F 128,400.00 ZZ 360 128,266.35 1 9.250 1,056.32 107 9.000 1,056.32 HOT SPRINGS AR 71901 1 05/17/01 23 0412611915 05 07/01/01 0 0412611915 O 06/01/31 0 4820898 E22/G01 F 183,340.00 ZZ 360 183,149.18 1 9.250 1,508.29 103 9.000 1,508.29 MODESTO CA 95351 1 05/11/01 23 0412621328 05 07/01/01 0 0412621328 O 06/01/31 0 4820905 E22/G01 F 236,900.00 ZZ 360 236,663.86 1 9.625 2,013.62 100 9.375 2,013.62 COMMERCE TOWNSH MI 48382 1 05/17/01 23 0412635997 05 07/01/01 0 0412635997 O 06/01/31 0 4821660 S20/G01 F 41,090.00 ZZ 360 41,040.57 1 10.500 375.87 103 10.250 375.87 GREENVILLE SC 29605 1 05/30/01 23 0432872562 05 06/30/01 0 0111626 O 05/30/31 0 1 4821780 685/G01 F 189,450.00 ZZ 360 189,142.26 1 9.000 1,524.36 100 8.750 1,524.36 BELLFLOWER CA 90706 1 05/29/01 23 0432868677 01 07/01/01 0 125779 O 06/01/31 0 4821952 700/G01 F 190,000.00 ZZ 360 189,780.58 1 8.750 1,494.73 107 8.500 1,494.73 CLOVERDALE CA 95425 1 05/22/01 23 0432943165 05 07/01/01 0 00259012 O 06/01/31 0 4822054 642/G01 F 146,055.00 ZZ 360 145,977.28 1 9.125 1,188.35 107 8.875 1,188.35 REDFORD MI 48239 5 06/14/01 23 0432984979 05 08/01/01 0 05050301 O 07/01/31 0 4822587 964/G01 F 74,950.00 T 360 74,910.11 1 9.125 609.82 100 8.875 609.82 DONNELLY ID 83615 1 06/13/01 23 0432918464 05 08/01/01 0 126539 O 07/01/31 0 4823417 K15/G01 F 138,700.00 ZZ 360 138,539.82 1 8.750 1,091.15 104 8.500 1,091.15 EATON OH 45320 5 05/23/01 23 0432849800 05 07/01/01 0 033705302547 O 06/01/31 0 4823721 664/G01 F 273,600.00 ZZ 360 272,307.52 1 9.250 2,250.84 106 9.000 2,250.84 1 BRIGHTON CO 80601 1 05/25/01 23 0432908028 03 07/01/01 0 0008101958 O 06/01/31 0 4823794 642/G01 F 159,650.00 ZZ 360 159,525.95 2 10.625 1,475.32 103 10.375 1,475.32 BROOKLYN NY 11233 1 05/11/01 23 0432825164 05 07/01/01 0 04136501 O 06/01/31 0 4824166 U59/G01 F 112,243.00 ZZ 360 112,062.42 1 9.125 913.25 107 8.875 913.25 LEWISBURG PA 17837 1 05/24/01 23 0432861300 05 06/24/01 0 800852933 O 05/24/31 0 4824389 950/G01 F 205,000.00 ZZ 360 204,730.89 1 8.125 1,522.12 105 7.875 1,522.12 SEATTLE WA 98103 1 05/23/01 23 0432963817 01 07/01/01 0 E6104028 O 06/01/31 0 4824561 U62/G01 F 127,750.00 ZZ 360 127,390.34 1 9.375 1,062.56 103 9.125 1,062.56 RIALTO CA 92376 2 05/08/01 23 0432817047 05 07/01/01 0 2001248567 O 06/01/31 0 4826150 K15/G01 F 167,900.00 ZZ 360 167,746.77 1 9.875 1,457.96 102 9.625 1,457.96 PETERBOROUGH NH 03458 5 05/23/01 23 0432842060 05 07/01/01 0 033105304903 O 06/01/31 0 1 4826484 147/G01 F 170,451.00 ZZ 360 170,248.99 1 8.625 1,325.76 107 8.375 1,325.76 SNELLVILLE GA 30039 1 05/23/01 23 0432907038 05 07/01/01 0 10421986 O 06/01/31 0 4826554 642/G01 F 138,000.00 ZZ 360 137,863.70 2 9.500 1,160.38 107 9.250 1,160.38 CHICAGO IL 60637 1 05/23/01 23 0432873818 05 07/01/01 0 03100101 O 06/01/31 0 4827381 147/G01 F 125,660.00 ZZ 360 125,556.95 1 10.375 1,137.74 103 10.125 1,137.74 RICHMOND VA 23236 1 05/31/01 23 0432904753 05 07/01/01 0 1104230873 O 06/01/31 0 4828239 Q64/G01 F 133,600.00 ZZ 360 133,401.27 1 9.500 1,123.39 100 9.250 1,123.39 PINE LAKE GA 30072 1 05/01/01 23 0432899094 05 06/01/01 0 0101749109 O 05/01/31 0 4828357 E22/G01 F 76,200.00 ZZ 360 76,126.70 1 9.625 647.69 100 9.375 647.69 IRMO SC 29063 1 05/18/01 23 0412552655 05 07/01/01 0 0412552655 O 06/01/31 0 4828374 E22/G01 F 54,150.00 ZZ 360 54,096.53 1 1 9.500 455.32 95 9.000 455.32 MEMPHIS TN 38127 1 05/17/01 23 0412599896 05 07/01/01 0 0412599896 N 06/01/31 0 4828384 E22/G01 F 53,850.00 ZZ 360 53,796.81 1 9.500 452.80 95 9.250 452.80 MUNCIE IN 47303 1 05/18/01 23 0412610743 05 07/01/01 0 0412610743 N 06/01/31 0 4828385 E22/G01 F 50,350.00 ZZ 360 50,300.27 1 9.500 423.37 95 9.250 423.37 MUNCIE IN 47303 1 05/18/01 23 0412610966 05 07/01/01 0 0412610966 N 06/01/31 0 4828391 E22/G01 F 42,250.00 ZZ 360 42,183.02 1 9.250 347.58 95 8.750 347.58 AUGUSTA GA 30901 1 05/18/01 23 0412615577 05 07/01/01 0 0412615577 N 06/01/31 0 4828403 E22/G01 F 213,150.00 ZZ 360 212,910.12 1 8.875 1,695.92 95 8.375 1,695.92 HENDERSON NV 89014 1 05/11/01 23 0412626962 03 07/01/01 0 0412626962 N 06/01/31 0 4828406 E22/G01 F 154,350.00 ZZ 360 154,197.56 1 9.500 1,297.86 100 9.250 1,297.86 STERLING HEIGHT MI 48313 1 05/18/01 23 0412629149 05 07/01/01 0 1 0412629149 O 06/01/31 0 4828409 E22/G01 F 114,350.00 ZZ 360 114,237.06 1 9.500 961.52 107 9.000 961.52 NORTH LAS VEGAS NV 89030 9 05/10/01 23 0412631871 05 07/01/01 0 0412631871 O 06/01/31 0 4828417 E22/G01 F 150,000.00 ZZ 360 149,851.86 1 9.500 1,261.28 100 9.250 1,261.28 SACRAMENTO CA 95821 1 05/15/01 23 0412637944 05 07/01/01 0 0412637944 O 06/01/31 0 4828425 E22/G01 F 103,950.00 ZZ 360 103,841.81 1 9.250 855.17 100 9.000 855.17 MISHAWAKA IN 46544 1 05/18/01 23 0412645483 05 07/01/01 0 0412645483 O 06/01/31 0 4828427 E22/G01 F 79,822.00 ZZ 360 79,741.06 1 9.375 663.92 107 9.125 663.92 SPRING TX 77386 1 05/16/01 23 0412645608 03 07/01/01 0 0412645608 O 06/01/31 0 4828436 E22/G01 F 153,150.00 ZZ 360 153,013.94 1 10.000 1,344.00 103 9.750 1,344.00 HINESVILLE GA 31313 1 05/18/01 23 0412656266 05 07/01/01 0 0412656266 O 06/01/31 0 1 4828438 E22/G01 F 48,150.00 ZZ 360 48,095.11 1 9.625 409.27 107 9.125 409.27 DALLAS TX 75243 1 05/17/01 23 0412659120 01 07/01/01 0 0412659120 O 06/01/31 0 4828441 E22/G01 F 287,370.00 ZZ 360 287,140.60 1 10.500 2,628.69 103 10.250 2,628.69 COLORADO SPRING CO 80918 1 05/18/01 23 0412662629 05 07/01/01 0 0412662629 O 06/01/31 0 4828448 E22/G01 F 144,100.00 ZZ 360 143,993.94 1 10.875 1,358.70 103 10.375 1,358.70 FORT WORTH TX 76108 1 05/18/01 23 0412679441 05 07/01/01 0 0412679441 O 06/01/31 0 4828736 Q64/G01 F 112,550.00 ZZ 360 112,382.57 1 9.500 946.39 95 9.250 946.39 LAWRENCEVILLE GA 30043 1 04/24/01 23 0432911816 05 06/01/01 0 0101838506 N 05/01/31 0 4830711 Q64/G01 F 86,000.00 ZZ 360 85,915.05 1 9.500 723.14 100 9.250 723.14 WEST PALM BEACH FL 33409 1 05/14/01 23 0432914034 01 07/01/01 0 0101902807 O 06/01/31 0 4831341 E58/G01 F 184,000.00 ZZ 360 183,849.11 1 10.375 1,665.95 100 10.125 1,665.95 1 COLLEGE PARK MD 20740 1 05/23/01 23 0432873941 05 07/01/01 0 18613182 O 06/01/31 0 4831666 U42/G01 F 55,000.00 ZZ 360 54,952.42 1 10.125 487.75 100 9.875 487.75 DENISON TX 75020 1 05/21/01 23 0432954550 05 07/01/01 0 15100351 O 06/01/31 0 4831888 147/G01 F 63,860.00 ZZ 360 63,750.71 1 10.250 572.26 103 10.000 572.26 ELMIRA NY 14901 1 05/24/01 23 0432851574 05 07/01/01 0 10422106 O 06/01/31 0 4834114 964/G01 F 128,000.00 ZZ 360 127,855.95 1 8.875 1,018.43 105 8.625 1,018.43 PORTLAND OR 97203 1 05/24/01 23 0432879740 05 07/01/01 0 125478 O 06/01/31 0 4834399 737/G01 F 248,000.00 ZZ 360 247,878.01 1 9.500 2,085.32 100 9.250 2,085.32 TORRANCE CA 90503 1 06/07/01 23 0432954345 01 08/01/01 0 0001773860 O 07/01/31 0 4834829 685/G01 F 246,170.00 ZZ 360 245,907.00 1 9.125 2,002.92 103 8.875 2,002.92 CANYON COUNTRY CA 91351 1 05/21/01 23 0432852556 05 07/01/01 0 125747 O 06/01/31 0 1 4835731 808/G01 F 124,900.00 ZZ 360 124,836.92 1 9.375 1,038.86 100 9.125 1,038.86 TUCSON AZ 85730 1 06/04/01 23 0432909190 05 08/01/01 0 9502983 O 07/01/31 0 4836640 K15/G01 F 52,700.00 ZZ 360 52,679.06 1 10.500 482.07 102 10.250 482.07 OKLAHOMA CITY OK 73127 5 05/30/01 23 0432872240 05 08/01/01 0 032605302500 O 07/01/31 0 4836688 U59/G01 F 185,400.00 ZZ 360 185,226.29 1 9.750 1,592.88 103 9.500 1,592.88 MOHEGAN LAKE NY 10547 1 05/29/01 23 0432873636 05 07/01/01 0 800851937 O 06/01/31 0 4836719 G75/G01 F 206,200.00 ZZ 360 205,955.63 1 8.625 1,603.81 107 8.375 1,603.81 CLINTON MD 20735 1 05/31/01 23 0432875987 03 07/01/01 0 04372265 O 06/01/31 0 4836780 E22/G01 F 206,000.00 ZZ 360 205,791.14 1 9.375 1,713.40 103 9.125 1,713.40 RICHMOND CA 94803 1 05/02/01 23 0412588055 05 07/01/01 0 0412588055 O 06/01/31 0 4836815 E22/G01 F 129,780.00 ZZ 360 129,670.69 1 1 10.250 1,162.96 103 9.750 1,162.96 BRANDON FL 33510 1 05/21/01 23 0412616914 05 07/01/01 0 0412616914 O 06/01/31 0 4836818 E22/G01 F 177,000.00 ZZ 360 176,800.81 1 8.875 1,408.29 105 8.625 1,408.29 CLARKS SUMMIT PA 18411 1 05/21/01 23 0412621260 05 07/01/01 0 0412621260 O 06/01/31 0 4836820 E22/G01 F 273,000.00 ZZ 360 272,730.38 1 9.500 2,295.53 100 9.250 2,295.53 SAN DIEGO CA 92120 1 05/07/01 23 0412623761 05 07/01/01 0 0412623761 O 06/01/31 0 4836851 E22/G01 F 90,100.00 ZZ 360 89,806.55 2 9.250 741.23 107 9.000 741.23 ROTTERDAM NY 12306 1 05/21/01 23 0412647109 05 07/01/01 0 0412647109 O 06/01/31 0 4836866 E22/G01 F 64,375.00 ZZ 360 64,344.56 1 12.875 705.83 103 12.375 705.83 GRANBURY TX 76049 1 05/21/01 23 0412658411 03 07/01/01 0 0412658411 O 06/01/31 0 4836873 E22/G01 F 130,400.00 ZZ 360 130,267.79 1 9.375 1,084.60 106 9.125 1,084.60 PONTIAC MI 48034 1 05/21/01 23 0412664963 05 07/01/01 0 1 0412664963 O 06/01/31 0 4836876 E22/G01 F 76,500.00 ZZ 360 76,426.41 1 9.625 650.24 100 9.375 650.24 MARIETTA GA 30066 1 05/21/01 23 0412665390 09 07/01/01 0 0412665390 O 06/01/31 0 4836877 E22/G01 F 89,500.00 ZZ 360 89,424.62 1 10.250 802.01 100 10.000 802.01 MILLINGTON TN 38053 1 05/21/01 23 0412665903 05 07/01/01 0 0412665903 O 06/01/31 0 4836878 E22/G01 F 95,000.00 ZZ 360 94,908.61 1 9.625 807.49 95 9.375 807.49 IRVING TX 75062 1 05/17/01 23 0412668881 05 07/01/01 0 0412668881 N 06/01/31 0 4836942 W09/G01 F 77,040.00 ZZ 180 76,967.82 1 9.750 661.90 107 9.500 661.90 LOGAN OH 43138 1 05/25/01 23 0432859809 05 07/01/01 0 20016510 O 06/01/16 0 4837603 642/G01 F 125,000.00 ZZ 360 124,897.50 1 10.375 1,131.76 99 10.125 1,131.76 WASHINGTON DC 20002 1 05/24/01 23 0432847416 05 07/01/01 0 03138601 O 06/01/31 0 1 4837709 K15/G01 F 160,700.00 ZZ 360 160,623.99 1 12.875 1,761.98 102 12.625 1,761.98 MIDLAND MI 48642 5 05/24/01 23 0432850022 05 07/01/01 0 024405301848 O 06/01/31 0 4838122 T24/G01 F 222,000.00 ZZ 360 221,661.06 1 9.375 1,846.48 100 9.125 1,846.48 NAPA CA 94559 1 04/19/01 23 0432838175 05 06/01/01 0 09811179 O 05/01/31 0 4838279 808/G01 F 235,200.00 ZZ 360 234,928.37 1 8.750 1,850.32 107 8.500 1,850.32 MODESTO CA 95357 1 05/25/01 23 0432900942 05 07/01/01 0 9421098 O 06/01/31 0 4838796 642/G01 F 117,420.00 ZZ 360 117,309.99 1 9.750 1,008.82 103 9.500 1,008.82 GREENSBORO NC 27406 5 05/11/01 23 0432819332 05 07/01/01 0 04133101 O 06/01/31 0 4839091 E45/G01 F 24,700.00 ZZ 360 24,676.23 1 9.625 209.95 95 9.375 209.95 OKLAHAMOA CITY OK 73117 1 06/08/01 23 0432993160 05 07/01/01 0 141270 N 06/01/31 0 4839378 642/G01 F 156,560.00 ZZ 360 156,417.15 1 9.875 1,359.49 103 9.625 1,359.49 1 LUBBOCK TX 79424 1 05/15/01 23 0432836617 05 07/01/01 0 04190501 O 06/01/31 0 4839610 J95/G01 F 169,950.00 ZZ 360 169,866.40 1 9.500 1,429.04 103 9.250 1,429.04 HOUSTON TX 77063 1 06/25/01 23 0432992535 03 08/01/01 0 0027207299 O 07/01/31 0 4839888 700/G01 F 45,000.00 ZZ 360 44,964.08 1 10.500 411.63 100 10.250 411.63 BEAUMONT TX 77703 1 05/30/01 23 0433012044 05 07/01/01 0 00249276 O 06/01/31 0 4840359 147/G01 F 49,220.00 ZZ 360 49,164.62 1 8.875 391.62 107 8.625 391.62 JOHNSON CITY TN 37601 1 05/24/01 23 0432934487 05 07/01/01 0 10419961 O 06/01/31 0 4840602 664/G01 F 147,000.00 ZZ 360 146,842.93 1 9.125 1,196.05 103 8.875 1,196.05 COLUMBUS IN 47201 1 05/25/01 23 0432930162 05 07/01/01 0 0008084469 O 06/01/31 0 4840932 737/G01 F 125,000.00 ZZ 360 124,869.88 1 9.250 1,028.35 100 9.000 1,028.35 PAYSON AZ 85541 1 05/30/01 23 0432995934 05 07/01/01 0 2024666 O 06/01/31 0 1 4840955 642/G01 F 212,500.00 ZZ 360 212,295.58 1 9.625 1,806.23 94 9.375 1,806.23 LOS BANOS CA 93635 2 05/25/01 23 0432874758 05 07/01/01 0 04131801 O 06/01/31 0 4841266 U62/G01 F 115,560.00 ZZ 360 115,493.52 1 8.750 909.11 98 8.500 909.11 CANTON OH 44721 2 06/05/01 23 0432905719 05 08/01/01 0 2001248089 O 07/01/31 0 4841441 E22/G01 F 57,500.00 ZZ 360 57,444.70 2 9.625 488.74 95 9.375 488.74 CINCINNATI OH 45207 1 05/22/01 23 0412493785 05 07/01/01 0 0412493785 N 06/01/31 0 4841442 E22/G01 F 172,700.00 ZZ 360 172,524.90 1 9.375 1,436.43 107 9.125 1,436.43 CITRUS HEIGHTS CA 95610 1 05/14/01 23 0412500332 05 07/01/01 0 0412500332 O 06/01/31 0 4841445 E22/G01 F 116,150.00 ZZ 360 115,996.10 1 9.000 934.57 105 8.500 934.57 WILLITS CA 95490 1 05/15/01 23 0412546343 05 07/01/01 0 0412546343 O 06/01/31 0 4841460 E22/G01 F 79,800.00 ZZ 360 79,719.08 1 1 9.375 663.74 95 8.875 663.74 CLOVIS CA 93612 1 05/17/01 23 0412576845 05 07/01/01 0 0412576845 N 06/01/31 0 4841462 E22/G01 F 74,700.00 ZZ 360 74,618.09 1 9.000 601.05 107 8.750 601.05 GREENWOOD AR 72936 1 05/21/01 23 0412580268 05 07/01/01 0 0412580268 O 06/01/31 0 4841479 E22/G01 F 146,200.00 ZZ 360 146,076.86 1 10.250 1,310.10 103 9.750 1,310.10 EUGENE OR 97404 1 05/17/01 23 0412606204 03 07/01/01 0 0412606204 O 06/01/31 0 4841511 E22/G01 F 127,500.00 ZZ 360 127,356.51 1 8.875 1,014.45 105 8.625 1,014.45 RIDGEFIELD WA 98642 1 05/16/01 23 0412647406 05 07/01/01 0 0412647406 O 06/01/31 0 4841519 E22/G01 F 129,200.00 ZZ 360 129,099.62 1 10.625 1,193.93 103 10.375 1,193.93 MISSOURI CITY TX 77489 1 05/18/01 23 0412655896 03 07/01/01 0 0412655896 O 06/01/31 0 4841528 E22/G01 F 206,000.00 ZZ 360 205,749.53 1 8.500 1,583.96 104 8.000 1,583.96 MODESTO CA 95355 1 05/17/01 23 0412665853 05 07/01/01 0 1 0412665853 O 06/01/31 0 4841853 G75/G01 F 192,850.00 ZZ 360 192,654.23 1 8.625 1,499.97 106 8.375 1,499.97 EAST STROUDSBUR PA 18301 1 06/05/01 23 0432900389 05 08/01/01 0 04320610 O 07/01/31 0 4843182 685/G01 F 359,900.00 ZZ 360 359,515.48 1 9.125 2,928.27 100 8.875 2,928.27 LOS ANGELES CA 90046 1 05/29/01 23 0432849974 05 07/01/01 0 125612 O 06/01/31 0 4843207 940/G01 F 185,500.00 ZZ 360 185,262.61 1 8.250 1,393.60 104 8.000 1,393.60 TEMECULA CA 92591 1 05/30/01 23 0432896728 05 07/01/01 0 40010440 O 06/01/31 0 4843751 948/G01 F 135,000.00 ZZ 360 134,931.82 1 9.375 1,122.87 100 9.125 1,122.87 STOCKTON CA 95207 1 06/04/01 23 0432913937 05 08/01/01 0 596341 O 07/01/31 0 4843767 W33/G01 F 60,990.00 ZZ 360 60,929.76 1 9.500 512.84 107 9.250 512.84 SPRINGFIELD IL 62704 1 06/07/01 23 0432917185 05 07/07/01 0 0124817 O 06/07/31 0 1 4844522 J95/G01 F 108,600.00 ZZ 360 108,547.97 1 9.625 923.09 107 9.375 923.09 KENTWOOD MI 49548 1 06/19/01 23 0433028289 05 08/01/01 0 0027149665 O 07/01/31 0 4845027 U05/G01 F 232,000.00 ZZ 360 231,869.93 1 8.875 1,845.90 100 8.625 1,845.90 PORTLAND OR 97225 1 06/08/01 23 0432913770 05 08/01/01 0 3140687 O 07/01/31 0 4845057 940/G01 F 207,000.00 ZZ 360 206,895.47 1 9.375 1,721.72 107 9.125 1,721.72 LAGUNA NIGUEL CA 92677 2 06/07/01 23 0432901312 01 08/01/01 0 40010492 O 07/01/31 0 4845814 685/G01 F 119,000.00 ZZ 360 118,931.54 1 8.750 936.17 100 8.500 936.17 LOS ANGELES (NO CA 91343 1 06/20/01 23 0432920973 01 08/01/01 0 125771 O 07/01/31 0 4845840 147/G01 F 162,900.00 ZZ 360 162,716.67 1 8.875 1,296.11 100 8.625 1,296.11 CORONA CA 92879 1 05/25/01 23 0432905586 01 07/01/01 0 10423057 O 06/01/31 0 4848560 E22/G01 F 257,500.00 ZZ 360 257,266.14 1 10.375 2,331.42 103 10.125 2,331.42 1 ROCKLIN CA 95765 1 05/02/01 23 0412542250 05 07/01/01 0 0412542250 O 06/01/31 0 4848585 E22/G01 F 205,500.00 ZZ 360 205,297.03 1 9.500 1,727.96 95 9.250 1,727.96 EXETER RI 02822 1 05/23/01 23 0412609315 05 07/01/01 0 0412609315 N 06/01/31 0 4848591 E22/G01 F 191,250.00 ZZ 360 191,029.14 1 8.750 1,504.56 104 8.250 1,504.56 OAKLAND CA 94611 1 05/16/01 23 0412614182 01 07/01/01 0 0412614182 O 06/01/31 0 4848602 E22/G01 F 88,350.00 ZZ 360 88,258.05 1 9.250 726.83 95 9.000 726.83 SAN ANTONIO TX 78209 1 05/21/01 23 0412630741 01 07/01/01 0 0412630741 N 06/01/31 0 4848620 E22/G01 F 114,490.00 ZZ 360 114,354.33 1 8.625 890.49 107 8.375 890.49 FAIRBANKS AK 99701 1 05/15/01 23 0412655417 05 07/01/01 0 0412655417 O 06/01/31 0 4848632 E22/G01 F 105,150.00 ZZ 360 105,048.86 1 9.625 893.76 100 9.375 893.76 PONTIAC MI 48340 1 05/23/01 23 0412669673 05 07/01/01 0 0412669673 O 06/01/31 0 1 4848633 E22/G01 F 179,250.00 ZZ 360 179,072.96 1 9.500 1,507.23 100 9.000 1,507.23 HOLLYWOOD FL 33021 1 05/23/01 23 0412669780 01 07/01/01 0 0412669780 O 06/01/31 0 4848637 E22/G01 F 85,500.00 ZZ 360 85,415.56 1 9.500 718.93 95 9.250 718.93 JACKSONVILLE FL 32223 1 05/23/01 23 0412676686 05 07/01/01 0 0412676686 N 06/01/31 0 4849618 G75/G01 F 176,600.00 ZZ 360 176,420.94 1 9.375 1,468.87 103 9.125 1,468.87 MORRISVILLE NC 27560 1 05/18/01 23 0432837078 05 07/01/01 0 04354104 O 06/01/31 0 4849630 U59/G01 F 55,500.00 ZZ 180 54,919.73 1 9.250 571.21 82 9.000 571.21 POMPANO BEACH FL 33068 1 04/12/01 23 0432812568 05 05/12/01 0 800820123 O 04/12/16 0 4849652 K15/G01 F 110,500.00 ZZ 360 110,317.90 1 9.875 959.53 103 9.625 959.53 KENT OH 44240 1 05/30/01 23 0432909968 05 07/01/01 0 036905301951 O 06/01/31 0 4849702 U05/G01 F 131,100.00 ZZ 360 130,952.46 1 1 8.875 1,043.09 95 8.625 1,043.09 PHOENIX AZ 85029 1 05/02/01 23 0432827210 05 07/01/01 0 3121720 N 06/01/31 0 4850133 642/G01 F 64,200.00 ZZ 360 64,131.42 1 9.125 522.35 107 8.875 522.35 LAWTON OK 73501 1 05/18/01 23 0432868974 05 07/01/01 0 04190701 O 06/01/31 0 4850401 E45/G01 F 86,900.00 ZZ 360 86,809.56 1 9.250 714.90 100 9.000 714.90 THOMSON GA 30824 1 05/31/01 23 0432898393 05 07/01/01 0 123564 O 06/01/31 0 4851515 P87/G01 F 56,034.00 ZZ 180 55,984.21 1 10.000 491.74 99 9.750 491.74 KAUKAUNA WI 54130 1 05/31/01 23 0432881894 05 07/01/01 0 HE31133 O 06/01/16 0 4852372 642/G01 F 116,000.00 ZZ 360 115,885.43 1 9.500 975.39 96 9.250 975.39 NORWHICH CT 06360 5 05/30/01 23 0432872604 05 07/01/01 0 05020601 O 06/01/31 0 4852838 642/G01 F 146,260.00 ZZ 360 146,097.93 2 10.625 1,351.59 103 10.375 1,351.59 MIAMI FL 33142 1 05/21/01 23 0432866341 05 07/01/01 0 1 03148201 O 06/01/31 0 4852876 S02/G01 F 98,000.00 ZZ 360 97,951.79 1 9.500 824.04 100 9.250 824.04 MIAMI FL 33168 1 06/04/01 23 0432874980 05 08/01/01 0 01105226 O 07/01/31 0 4853803 964/G01 F 286,000.00 ZZ 360 285,859.33 1 9.500 2,404.84 100 9.250 2,404.84 SANTA ROSA CA 95401 1 06/07/01 23 0432959823 05 08/01/01 0 112461 O 07/01/31 0 4854637 W02/G01 F 222,000.00 ZZ 360 221,669.80 1 9.500 1,866.70 100 9.250 1,866.70 CHARGIN FALLS OH 44023 1 05/30/01 23 0433035359 05 06/30/01 0 1000221860 O 05/30/31 0 4855638 K15/G01 F 55,600.00 ZZ 360 55,577.90 1 10.500 508.60 103 10.250 508.60 SHREVEPORT LA 71107 5 05/30/01 23 0432872570 05 08/01/01 0 008405303172 O 07/01/31 0 4856282 E22/G01 F 254,400.00 ZZ 360 254,121.04 1 9.000 2,046.96 100 8.750 2,046.96 RIVERSIDE CA 92508 1 05/14/01 23 0412593709 05 07/01/01 0 0412593709 O 06/01/31 0 1 4856284 E22/G01 F 157,000.00 ZZ 360 156,818.68 1 8.750 1,235.12 106 8.250 1,235.12 CITRUS HEIGHTS CA 95621 1 05/17/01 23 0412603300 05 07/01/01 0 0412603300 O 06/01/31 0 4856290 E22/G01 F 79,300.00 ZZ 360 79,223.72 1 9.625 674.04 103 9.375 674.04 FREDERICKSBURG VA 22405 1 05/24/01 23 0412617060 09 07/01/01 0 0412617060 O 06/01/31 0 4856303 E22/G01 F 204,950.00 ZZ 360 204,807.12 1 11.125 1,971.17 100 10.625 1,971.17 BIRMINGHAM AL 35244 1 05/24/01 23 0412653578 05 07/01/01 0 0412653578 O 06/01/31 0 4856313 E22/G01 F 97,500.00 ZZ 360 97,394.44 1 9.625 828.74 100 9.375 828.74 TEA SD 57064 1 05/24/01 23 0412672859 05 07/01/01 0 0412672859 O 06/01/31 0 4856314 E22/G01 F 142,000.00 ZZ 360 141,889.66 1 10.625 1,312.22 103 10.375 1,312.22 ST. PETERS MO 63376 1 05/24/01 23 0412674624 05 07/01/01 0 0412674624 O 06/01/31 0 4856316 E22/G01 F 299,250.00 ZZ 360 298,984.14 1 10.000 2,626.13 102 9.750 2,626.13 1 CANTON MI 48187 1 05/24/01 23 0412676272 05 07/01/01 0 0412676272 O 06/01/31 0 4856633 286/G01 F 106,400.00 ZZ 360 106,205.24 1 8.500 818.13 105 8.250 818.13 MANASSAS VA 20109 1 04/27/01 23 0432837623 01 06/01/01 0 0000326558 O 05/01/31 0 4857084 L16/G01 F 139,900.00 ZZ 360 139,827.48 1 9.250 1,150.92 100 9.000 1,150.92 SANDY UT 84070 1 06/21/01 23 0432973436 05 08/01/01 0 W0105222 O 07/01/31 0 4857110 U62/G01 F 151,000.00 ZZ 360 150,869.37 1 10.125 1,339.10 103 9.875 1,339.10 BLOOMINGTON MN 55425 5 05/18/01 23 0432917797 05 07/01/01 0 2001249565 O 06/01/31 0 4857222 U28/G01 F 93,900.00 ZZ 360 93,794.33 1 8.875 747.11 100 8.625 747.11 WARNER ROBINS GA 31088 1 05/31/01 23 0432903409 05 07/01/01 0 051034 O 06/01/31 0 4857419 W78/G01 F 135,500.00 ZZ 360 135,256.69 1 9.990 1,188.11 100 9.740 1,188.11 MARIETTA GA 30064 1 04/06/01 23 0432864197 05 05/01/01 0 50000345 O 04/01/31 0 1 4858305 J95/G01 F 147,630.00 ZZ 360 147,564.69 1 10.000 1,295.56 103 9.750 1,295.56 ST. CHARLES MO 63303 1 06/28/01 23 0432997468 05 08/01/01 0 0027091354 O 07/01/31 0 4858414 964/G01 F 74,160.00 ZZ 360 74,076.54 1 8.875 590.05 103 8.625 590.05 MESA AZ 85205 1 05/30/01 23 0432884377 01 07/01/01 0 126259 O 06/01/31 0 4858530 E45/G01 F 69,900.00 ZZ 360 69,837.90 1 10.000 613.42 100 9.750 613.42 JEFFERSON GA 30549 1 05/31/01 23 0432915700 05 07/01/01 0 134929 O 06/01/31 0 4858650 948/G01 F 164,900.00 ZZ 360 164,818.89 1 9.500 1,386.57 100 9.250 1,386.57 SANTA MARIA CA 93455 1 06/05/01 23 0432945723 05 08/01/01 0 1 O 07/01/31 0 4858996 W78/G01 F 176,500.00 ZZ 360 176,244.31 1 9.625 1,500.23 107 9.375 1,500.23 LONGWOOD FL 32750 5 04/25/01 23 0432864171 05 06/01/01 0 50001532 O 05/01/31 0 4859446 W78/G01 F 208,000.00 ZZ 360 207,756.50 1 1 10.625 1,922.12 100 10.375 1,922.12 ROSWELL GA 30075 1 04/25/01 23 0432906592 05 06/01/01 0 50001574 O 05/01/31 0 4859572 642/G01 F 203,193.00 ZZ 360 203,090.39 1 9.375 1,690.06 107 9.125 1,690.06 ALBUQUERQUE NM 87109 1 06/14/01 23 0432946606 05 08/01/01 0 05025601 O 07/01/31 0 4859873 S02/G01 F 103,225.00 ZZ 360 103,174.23 1 9.500 867.97 107 9.250 867.97 HOLLYWOOD FL 33024 1 06/08/01 23 0432874972 01 08/01/01 0 01105249 O 07/01/31 0 4860173 642/G01 F 73,130.00 ZZ 360 73,097.65 1 10.000 641.77 103 9.750 641.77 FT LAUDERDALE FL 33308 1 06/05/01 23 0432872554 05 08/01/01 0 04156101 O 07/01/31 0 4860252 642/G01 F 124,600.00 ZZ 360 124,396.14 1 9.875 1,081.96 107 9.625 1,081.96 DAVIE FL 33325 5 05/29/01 23 0432911907 09 07/01/01 0 05050501 O 06/01/31 0 4860369 U59/G01 F 250,000.00 ZZ 360 249,880.23 1 9.625 2,124.98 100 9.375 2,124.98 PUTNAM VALLEY NY 10579 1 06/28/01 23 0432996999 05 08/01/01 0 1 01933800856432 O 07/01/31 0 4860827 U05/G01 F 82,900.00 ZZ 360 69,918.39 1 8.750 652.17 107 8.500 652.17 FOLCROFT PA 19032 5 05/31/01 23 0432907996 05 07/01/01 0 3125858 O 06/01/31 0 4861345 J40/G01 F 174,900.00 ZZ 360 174,813.98 1 9.500 1,470.65 100 9.250 1,470.65 MEMPHIS TN 38125 1 06/07/01 23 0432947737 05 08/01/01 0 105672 O 07/01/31 0 4861476 E45/G01 F 89,600.00 ZZ 360 89,522.49 1 10.125 794.59 103 9.875 794.59 PALM HARBOR FL 34685 1 05/03/01 23 0432850535 01 07/01/01 0 113669 O 06/01/31 0 4862060 W78/G01 F 142,900.00 ZZ 360 142,454.18 1 9.990 1,252.99 100 9.740 1,252.99 DACULA GA 30019 1 04/27/01 23 0432915122 05 06/01/01 0 50001642 O 05/01/31 0 4862088 664/G01 F 132,000.00 ZZ 360 131,869.63 1 9.500 1,109.93 100 9.250 1,109.93 PUYALLUP WA 98374 1 05/30/01 23 0432989366 05 07/01/01 0 0008141319 O 06/01/31 0 1 4862375 B57/G01 F 119,000.00 ZZ 360 118,956.40 1 10.875 1,122.04 100 10.625 1,122.04 PHOENIX AZ 85040 1 06/07/01 23 0432909240 05 08/01/01 0 21A0364 O 07/01/31 0 4862452 588/G01 F 181,750.00 ZZ 360 181,550.71 1 9.000 1,462.40 107 8.750 1,462.40 GERMANTOWN MD 20876 1 06/05/01 23 0432902252 09 07/01/01 0 00010433190 O 06/01/31 0 4862498 B28/G01 F 337,050.00 ZZ 360 336,407.32 1 9.000 2,711.99 107 8.750 2,711.99 GLENDALE AZ 85308 1 05/31/01 23 0433000965 03 07/01/01 0 0105090056 O 06/01/31 0 4862696 B57/G01 F 251,343.00 ZZ 360 251,202.09 1 8.875 1,999.80 107 8.625 1,999.80 LOS ANGELES CA 90045 1 06/13/01 23 0433004546 01 08/01/01 0 2114499 O 07/01/31 0 4862749 U05/G01 F 147,800.00 ZZ 360 147,717.14 1 8.875 1,175.96 103 8.625 1,175.96 CHANDLER AZ 85225 1 06/01/01 23 0432898914 03 08/01/01 0 3136763 O 07/01/31 0 4862793 Q01/G01 F 184,881.00 ZZ 360 184,698.40 1 9.500 1,554.58 100 9.250 1,554.58 1 OXNARD CA 93030 1 05/30/01 23 0432899615 05 07/01/01 0 37968 O 06/01/31 0 4863091 147/G01 F 62,060.00 ZZ 360 61,993.57 1 9.125 504.95 107 8.875 504.95 OHIO PYLE PA 15470 1 05/31/01 23 0432996544 05 07/01/01 0 10423040 O 06/01/31 0 4864079 E22/G01 F 81,900.00 ZZ 360 81,819.12 1 9.500 688.66 100 9.250 688.66 MICHIGAN CITY IN 46360 1 05/29/01 23 0412603938 05 07/01/01 0 0412603938 O 06/01/31 0 4864088 E22/G01 F 98,600.00 ZZ 360 98,494.66 1 9.125 802.24 104 8.875 802.24 BATON ROUGE LA 70815 1 05/25/01 23 0412613200 05 07/01/01 0 0412613200 O 06/01/31 0 4864099 E22/G01 F 310,300.00 ZZ 360 309,950.79 1 8.875 2,468.89 107 8.375 2,468.89 TAMPA FL 33629 1 05/25/01 23 0412624314 01 07/01/01 0 0412624314 O 06/01/31 0 4864113 E22/G01 F 77,600.00 ZZ 360 77,516.76 1 9.500 652.50 104 9.250 652.50 SOUTH BEND IN 46614 9 05/22/01 23 0412640203 05 07/01/01 0 0412640203 O 06/01/31 0 1 4864136 E22/G01 F 192,000.00 ZZ 360 191,850.80 1 10.625 1,774.27 103 10.375 1,774.27 BARTLESVILLE OK 74006 1 05/25/01 23 0412655581 05 07/01/01 0 0412655581 O 06/01/31 0 4864137 E22/G01 F 173,875.00 ZZ 360 173,532.20 1 8.500 1,336.95 107 8.000 1,336.95 ORANGEVALE CA 95662 1 05/09/01 23 0412655839 05 07/01/01 0 0412655839 O 06/01/31 0 4864143 E22/G01 F 164,950.00 ZZ 360 164,803.46 1 10.000 1,447.55 100 9.500 1,447.55 PLANTATION FL 33322 1 05/25/01 23 0412660516 05 07/01/01 0 0412660516 O 06/01/31 0 4864147 E22/G01 F 90,250.00 ZZ 360 90,163.17 1 9.625 767.12 95 9.375 767.12 WALDORF MD 20601 1 05/25/01 23 0412664658 09 07/01/01 0 0412664658 N 06/01/31 0 4864150 E22/G01 F 69,100.00 ZZ 360 69,033.53 1 9.625 587.34 103 9.125 587.34 HAINES CITY FL 33844 1 05/25/01 23 0412666935 05 07/01/01 0 0412666935 O 06/01/31 0 4864154 E22/G01 F 88,550.00 ZZ 360 88,447.75 1 1 8.750 696.62 106 8.250 696.62 BROKEN ARROW OK 74012 1 05/25/01 23 0412669061 05 07/01/01 0 0412669061 O 06/01/31 0 4864157 E22/G01 F 259,900.00 ZZ 360 259,643.31 1 9.500 2,185.38 100 9.250 2,185.38 ENGLEWOOD CO 80111 1 05/25/01 23 0412671406 03 07/01/01 0 0412671406 O 06/01/31 0 4864168 E22/G01 F 230,800.00 ZZ 360 230,667.26 1 12.000 2,374.04 100 11.500 2,374.04 JUPITER FL 33458 1 05/25/01 23 0412696650 05 07/01/01 0 0412696650 O 06/01/31 0 4864850 642/G01 F 187,460.00 ZZ 360 187,383.47 1 10.375 1,697.28 103 10.125 1,697.28 MIAMI FL 33187 1 06/04/01 23 0432900322 05 08/01/01 0 05086201 O 07/01/31 0 4865434 Q64/G01 F 112,300.00 T 360 112,106.98 1 9.250 923.87 107 9.000 923.87 NASHVILLE TN 37211 1 05/18/01 23 0432906667 05 07/01/01 0 0301943007 O 06/01/31 0 4865801 K15/G01 F 112,000.00 ZZ 360 111,947.75 1 9.750 962.25 101 9.500 962.25 TWO HARBORS MN 55616 5 06/04/01 23 0432880813 05 08/01/01 0 1 013105304289 O 07/01/31 0 4867011 U05/G01 F 55,600.00 ZZ 360 55,571.17 1 9.250 457.41 107 9.000 457.41 CLEVELAND OH 44111 1 06/27/01 23 0432991370 05 08/01/01 0 3132807 O 07/01/31 0 4868115 S02/G01 F 42,750.00 ZZ 360 42,727.84 1 9.250 351.69 95 9.000 351.69 AJO AZ 85321 1 06/14/01 23 0432949139 05 08/01/01 0 01105277 N 07/01/31 0 4869747 664/G01 F 189,950.00 ZZ 360 189,854.07 1 9.375 1,579.91 100 9.125 1,579.91 NAPERVILLE IL 60540 1 06/13/01 23 0433021755 05 08/01/01 0 0008167595 O 07/01/31 0 4870952 700/G01 F 247,350.00 ZZ 360 247,211.33 1 8.875 1,968.03 107 8.625 1,968.03 CHINO HILLS CA 91709 1 06/01/01 23 0432979144 05 08/01/01 0 00259395 O 07/01/31 0 4871024 B57/G01 F 267,500.00 ZZ 360 267,361.32 1 9.250 2,200.66 107 9.000 2,200.66 LOS ANGELES CA 91401 1 06/15/01 23 0433010998 05 08/01/01 0 2114522 O 07/01/31 0 1 4871037 685/G01 F 149,800.00 ZZ 360 149,718.18 1 9.000 1,205.32 107 8.750 1,205.32 SACRAMENTO CA 95864 5 06/04/01 23 0432913143 05 08/01/01 0 209434 O 07/01/31 0 4871142 700/G01 F 149,000.00 ZZ 360 148,939.17 1 10.375 1,349.06 100 10.125 1,349.06 HENDERSON NV 89014 1 06/04/01 23 0432996148 03 08/01/01 0 00259426 O 07/01/31 0 4871194 B57/G01 F 348,000.00 ZZ 360 347,794.54 1 8.625 2,706.71 105 8.375 2,706.71 SUN VALLEY AREA CA 91352 1 06/01/01 23 0432914059 05 08/01/01 0 2113952 O 07/01/31 0 4871636 N67/G01 F 122,500.00 ZZ 360 122,379.00 1 9.500 1,030.05 100 9.250 1,030.05 AURORA CO 80015 1 05/17/01 23 0432857803 01 07/01/01 0 1380002679 O 06/01/31 0 4871876 E82/G01 F 179,900.00 ZZ 360 179,712.76 1 9.250 1,479.99 100 9.000 1,479.99 SANGER CA 93657 1 05/29/01 23 0400428413 05 07/01/01 0 0400428413 O 06/01/31 0 4872136 E22/G01 F 135,350.00 ZZ 360 135,193.69 1 8.750 1,064.80 107 8.500 1,064.80 1 WAILUKU HI 96793 1 05/18/01 23 0412598062 01 07/01/01 0 0412598062 O 06/01/31 0 4872156 E22/G01 F 77,250.00 ZZ 360 77,188.33 1 10.500 706.64 103 10.250 706.64 MISSOURI CITY TX 77489 1 05/29/01 23 0412629610 03 07/01/01 0 0412629610 O 06/01/31 0 4872164 E22/G01 F 176,550.00 ZZ 360 176,371.00 1 9.375 1,468.45 106 9.125 1,468.45 LAKELAND FL 33811 5 05/22/01 23 0412638447 05 07/01/01 0 0412638447 O 06/01/31 0 4872167 E22/G01 F 120,000.00 ZZ 360 119,884.56 1 9.625 1,019.99 100 9.375 1,019.99 MANCHESTER NH 03103 1 05/29/01 23 0412644411 05 07/01/01 0 0412644411 O 06/01/31 0 4872169 E22/G01 F 104,100.00 T 360 103,999.86 1 9.625 884.84 100 9.375 884.84 ROCKPORT TX 78382 1 05/22/01 23 0412648685 05 07/01/01 0 0412648685 O 06/01/31 0 4872172 E22/G01 F 160,000.00 ZZ 360 159,833.46 1 9.250 1,316.28 102 9.000 1,316.28 UNION MO 63084 1 05/29/01 23 0412652158 05 07/01/01 0 0412652158 O 06/01/31 0 1 4872178 E22/G01 F 289,000.00 ZZ 360 288,657.53 1 8.625 2,247.81 100 8.125 2,247.81 ORANGE CA 92867 1 05/21/01 23 0412660086 05 07/01/01 0 0412660086 O 06/01/31 0 4872189 E22/G01 F 222,900.00 ZZ 360 222,685.57 1 9.625 1,894.63 100 9.375 1,894.63 CLACKAMAS OR 97015 1 05/24/01 23 0412667990 05 07/01/01 0 0412667990 O 06/01/31 0 4872208 E22/G01 F 213,210.00 ZZ 360 212,999.41 1 9.500 1,792.79 103 9.000 1,792.79 TAMPA FL 33621 1 05/29/01 23 0412683641 09 07/01/01 0 0412683641 O 06/01/31 0 4872211 E22/G01 F 223,500.00 ZZ 360 223,235.15 1 8.625 1,738.36 105 8.125 1,738.36 SARASOTA FL 34241 1 05/29/01 23 0412685331 03 07/01/01 0 0412685331 O 06/01/31 0 4872214 E22/G01 F 118,600.00 ZZ 360 118,442.33 1 9.125 964.97 106 8.875 964.97 ARMADA MI 48005 1 05/29/01 23 0412690216 05 07/01/01 0 0412690216 O 06/01/31 0 4874192 147/G01 F 135,890.00 ZZ 360 135,755.79 1 1 9.500 1,142.64 107 9.250 1,142.64 TERRYTOWN LA 70056 1 05/25/01 23 0432898583 05 07/01/01 0 1 O 06/01/31 0 4874525 642/G01 F 96,300.00 ZZ 360 96,255.07 1 9.750 827.37 100 9.500 827.37 BELLEVILLE IL 62226 5 06/01/01 23 0432871291 05 08/01/01 0 05012701 O 07/01/31 0 4874878 B57/G01 F 132,000.00 ZZ 360 131,924.06 1 8.750 1,038.44 100 8.500 1,038.44 SIMI VALLEY CA 93065 1 06/05/01 23 0432909570 01 08/01/01 0 2140201 O 07/01/31 0 4875231 642/G01 F 118,750.00 ZZ 360 118,694.59 1 9.750 1,020.25 95 9.500 1,020.25 EAST POINT GA 30344 1 06/14/01 23 0432932044 05 08/01/01 0 05094401 O 07/01/31 0 4875461 Q64/G01 F 265,000.00 ZZ 360 264,738.26 1 9.500 2,228.27 100 9.250 2,228.27 LARGO FL 33774 1 05/15/01 23 0432934511 05 07/01/01 0 0101193837 O 06/01/31 0 4875649 U59/G01 F 82,650.00 ZZ 360 82,610.40 1 9.625 702.52 95 9.375 702.52 ROCKY MOUNT NC 27801 1 06/29/01 23 0433009073 05 08/01/01 0 1 8000856753 N 07/01/31 0 4876905 642/G01 F 94,900.00 ZZ 360 94,811.08 1 9.750 815.34 100 9.500 815.34 ATLANTA GA 30315 1 05/21/01 23 0432846632 05 07/01/01 0 04156201 O 06/01/31 0 4877130 147/G01 F 190,550.00 ZZ 360 190,465.52 1 9.990 1,670.81 103 9.740 1,670.81 PLANTATION FL 33317 5 06/05/01 23 0432960029 05 08/01/01 0 1 O 07/01/31 0 4878065 808/G01 F 151,400.00 ZZ 360 151,312.89 1 8.750 1,191.07 103 8.500 1,191.07 FRESNO CA 93710 1 06/07/01 23 0432918225 05 08/01/01 0 1 O 07/01/31 0 4879274 642/G01 F 84,460.00 ZZ 360 84,396.12 1 10.750 788.42 103 10.500 788.42 ORIENT OH 43146 5 05/21/01 23 0432847705 05 07/01/01 0 05041301 O 06/01/31 0 4880746 E86/G01 F 322,000.00 ZZ 360 321,637.32 1 8.875 2,561.98 107 8.625 2,561.98 LONG BEACH CA 90808 1 05/16/01 23 0432940765 05 07/01/01 0 316691 O 06/01/31 0 1 4881210 E22/G01 F 74,900.00 ZZ 360 74,786.70 1 9.750 643.51 107 9.500 643.51 DETROIT MI 48219 1 04/27/01 23 0412560542 05 06/01/01 0 0412560542 O 05/01/31 0 4881225 E22/G01 F 93,000.00 ZZ 360 92,905.70 1 9.375 773.53 100 9.125 773.53 BOYNTON BEACH FL 33435 1 05/30/01 23 0412608903 05 07/01/01 0 0412608903 O 06/01/31 0 4881238 E22/G01 F 278,146.00 ZZ 360 277,841.00 2 9.000 2,238.03 107 8.500 2,238.03 DES MOINES WA 98198 1 05/15/01 23 0412627614 05 07/01/01 0 0412627614 O 06/01/31 0 4881239 E22/G01 F 198,000.00 ZZ 360 197,809.52 1 9.625 1,682.98 100 9.375 1,682.98 SOUTH LAKE TAHO CA 96150 1 05/11/01 23 0412627739 05 07/01/01 0 0412627739 O 06/01/31 0 4881243 E22/G01 F 150,763.00 ZZ 360 150,579.68 1 8.500 1,159.24 107 8.000 1,159.24 AURORA CO 80011 1 05/30/01 23 0412630865 09 07/01/01 0 0412630865 O 06/01/31 0 4881247 E22/G01 F 115,500.00 ZZ 360 115,385.93 1 9.500 971.19 100 9.000 971.19 1 EAST WENATCHEE WA 98802 1 05/25/01 23 0412633778 05 07/01/01 0 0412633778 O 06/01/31 0 4881255 E22/G01 F 74,000.00 ZZ 360 73,922.98 1 9.250 608.78 100 9.000 608.78 BYRON CENTER MI 49315 1 05/30/01 23 0412640112 01 07/01/01 0 0412640112 O 06/01/31 0 4881259 E22/G01 F 137,950.00 ZZ 360 137,794.76 1 8.875 1,097.59 105 8.625 1,097.59 CARSON CITY NV 89701 1 05/18/01 23 0412651762 05 07/01/01 0 0412651762 O 06/01/31 0 4881262 E22/G01 F 186,550.00 ZZ 360 186,355.83 1 9.250 1,534.70 105 9.000 1,534.70 MCHENRY IL 60050 2 05/23/01 23 0412653735 05 07/01/01 0 0412653735 O 06/01/31 0 4881264 E22/G01 F 54,800.00 ZZ 360 54,739.92 2 9.000 440.93 95 8.500 440.93 LAKELAND FL 33815 1 05/30/01 23 0412655052 05 07/01/01 0 0412655052 N 06/01/31 0 4881266 E22/G01 F 75,050.00 ZZ 360 74,977.80 2 9.625 637.92 95 9.375 637.92 NEW ORLEANS LA 70118 1 05/30/01 23 0412658585 05 07/01/01 0 0412658585 N 06/01/31 0 1 4881268 E22/G01 F 55,100.00 ZZ 360 55,047.01 1 9.625 468.34 95 9.375 468.34 DALLAS TX 75217 1 05/30/01 23 0412661100 05 07/01/01 0 0412661100 N 06/01/31 0 4881273 E22/G01 F 145,350.00 ZZ 360 145,206.45 2 9.500 1,222.18 95 9.000 1,222.18 MEMPHIS TN 38125 1 05/30/01 23 0412665721 05 07/01/01 0 0412665721 N 06/01/31 0 4881274 E22/G01 F 134,000.00 ZZ 360 133,860.52 1 9.250 1,102.39 107 9.000 1,102.39 UNION NJ 07088 1 05/30/01 23 0412667107 05 07/01/01 0 0412667107 O 06/01/31 0 4881276 E22/G01 F 333,100.00 ZZ 360 332,762.25 1 9.375 2,770.56 106 8.875 2,770.56 SAN JOSE CA 95119 1 05/24/01 23 0412669327 01 07/01/01 0 0412669327 O 06/01/31 0 4881283 E22/G01 F 128,750.00 ZZ 360 128,673.88 1 11.875 1,311.96 103 11.375 1,311.96 BIG SPRING TX 79720 1 05/23/01 23 0412675613 05 07/01/01 0 0412675613 O 06/01/31 0 4881284 E22/G01 F 146,640.00 ZZ 360 146,333.12 2 1 8.750 1,153.62 104 8.250 1,153.62 GRESHAM OR 97030 1 05/23/01 23 0412676363 05 07/01/01 0 0412676363 O 06/01/31 0 4881292 E22/G01 F 149,200.00 ZZ 360 149,104.19 1 11.500 1,477.51 103 11.000 1,477.51 DENVER CO 80233 1 05/29/01 23 0412684110 05 07/01/01 0 0412684110 O 06/01/31 0 4881297 E22/G01 F 148,450.00 ZZ 360 148,318.12 1 10.000 1,302.75 100 9.750 1,302.75 BEDFORD TX 76021 1 05/30/01 23 0412687964 05 07/01/01 0 0412687964 O 06/01/31 0 4881299 E22/G01 F 128,750.00 ZZ 360 128,619.45 1 9.375 1,070.88 103 9.125 1,070.88 ROYAL OAK MI 48073 1 05/30/01 23 0412689093 05 07/01/01 0 0412689093 O 06/01/31 0 4881302 E22/G01 F 138,535.00 ZZ 360 138,411.93 1 10.000 1,215.74 103 9.750 1,215.74 HOUSTON TX 77008 1 05/30/01 23 0412696163 05 07/01/01 0 0412696163 O 06/01/31 0 4882727 147/G01 F 212,000.00 ZZ 360 211,883.95 1 8.990 1,704.28 104 8.740 1,704.28 RANCHO CORDOVA CA 95670 1 06/25/01 23 0433012705 05 08/01/01 0 1 10423986 O 07/01/31 0 4882784 M43/G01 F 348,950.00 ZZ 360 348,631.61 1 9.875 3,030.11 100 9.625 3,030.11 STERLING VA 20165 5 05/24/01 23 0432890952 03 07/01/01 0 M4TQ1501742 O 06/01/31 0 4883077 E87/G01 F 249,000.00 ZZ 360 248,877.52 1 9.500 2,093.73 100 9.250 2,093.73 OXNARD CA 93035 1 06/05/01 23 0432888121 05 08/01/01 0 70003540 O 07/01/31 0 4883222 G75/G01 F 128,400.00 ZZ 360 128,322.21 1 8.500 987.29 107 8.250 987.29 JACKSONVILLE FL 32246 1 06/08/01 23 0432919702 03 08/01/01 0 04327929 O 07/01/31 0 4883305 W53/G01 F 83,000.00 ZZ 360 82,873.25 1 9.375 690.36 107 9.125 690.36 TOWN OF IRONDEQ NY 14622 2 04/25/01 23 0432879757 05 06/01/01 0 5200418000 O 05/01/31 0 4883474 P23/G01 F 84,900.00 ZZ 360 84,826.56 1 10.125 752.91 100 9.875 752.91 KENTON OH 43326 5 05/25/01 23 0432917367 05 07/01/01 0 010001201 O 06/01/31 0 1 4884155 U05/G01 F 160,000.00 ZZ 360 159,919.20 1 9.375 1,330.80 100 9.125 1,330.80 WYOMING MN 55092 1 06/20/01 23 0433034535 05 08/01/01 0 3139807 O 07/01/31 0 4884243 U59/G01 F 71,280.00 ZZ 360 71,219.94 1 10.250 638.75 99 10.000 638.75 NORTH TONAWANDA NY 14120 5 06/08/01 23 0432904746 05 07/13/01 0 800851083 O 06/13/31 0 4885188 R74/G01 F 62,050.00 ZZ 360 62,018.83 1 9.400 517.23 107 9.150 517.23 ERIE PA 16511 2 06/13/01 23 0432913796 05 08/01/01 0 1010017198 O 07/01/31 0 4885376 E86/G01 F 282,200.00 ZZ 360 279,512.97 1 10.000 2,476.51 103 9.750 2,476.51 WAUCONDA IL 60084 1 06/14/01 23 0432908382 05 08/01/01 0 316691 O 07/01/31 0 4885918 E22/G01 F 112,550.00 ZZ 360 112,441.73 1 9.625 956.66 95 9.375 956.66 HENDERSON NV 89014 1 05/03/01 23 0412547440 09 07/01/01 0 0412547440 N 06/01/31 0 4885943 E22/G01 F 82,915.00 ZZ 360 82,843.27 1 10.125 735.31 103 9.875 735.31 1 GRANTS PASS OR 97526 1 05/22/01 23 0412627267 05 07/01/01 0 0412627267 O 06/01/31 0 4885966 E22/G01 F 58,650.00 ZZ 360 58,580.43 1 9.500 493.16 107 9.250 493.16 FORT PAYNE AL 35967 1 05/31/01 23 0412642340 05 07/01/01 0 0412642340 O 06/01/31 0 4885978 E22/G01 F 183,300.00 ZZ 360 182,933.80 1 10.000 1,608.59 103 9.750 1,608.59 MERRIMACK NH 03054 1 05/31/01 23 0412646929 05 07/01/01 0 0412646929 O 06/01/31 0 4885982 E22/G01 F 135,960.00 ZZ 360 135,848.52 1 10.375 1,230.99 103 10.125 1,230.99 SANFORD FL 32771 1 05/31/01 23 0412648727 05 07/01/01 0 0412648727 O 06/01/31 0 4885993 E22/G01 F 80,000.00 ZZ 360 79,936.14 1 10.500 731.79 103 10.000 731.79 CONROE TX 77304 1 05/31/01 23 0412653263 05 07/01/01 0 0412653263 O 06/01/31 0 4885994 E22/G01 F 121,025.00 ZZ 360 120,923.06 2 10.250 1,084.51 103 10.000 1,084.51 SAINT ALBANS VT 05468 1 05/31/01 23 0412653354 05 07/01/01 0 0412653354 O 06/01/31 0 1 4885997 E22/G01 F 256,000.00 ZZ 360 255,747.16 1 9.500 2,152.59 100 9.000 2,152.59 FREMONT CA 94536 1 05/29/01 23 0412654741 09 07/01/01 0 0412654741 O 06/01/31 0 4886002 E22/G01 F 77,100.00 ZZ 360 77,023.85 1 9.500 648.30 100 9.250 648.30 POMPANO BEACH FL 33064 1 05/31/01 23 0412657843 05 07/01/01 0 0412657843 O 06/01/31 0 4886008 E22/G01 F 194,000.00 ZZ 360 193,803.31 1 9.375 1,613.59 107 8.875 1,613.59 MEMPHIS TN 38125 2 05/25/01 23 0412660771 05 07/01/01 0 0412660771 O 06/01/31 0 4886010 E22/G01 F 150,800.00 ZZ 360 150,625.85 2 8.750 1,186.34 107 8.250 1,186.34 WALLINGFORD PA 19086 1 05/31/01 23 0412664088 05 07/01/01 0 0412661969 O 06/01/31 0 4886023 E22/G01 F 249,900.00 ZZ 360 249,633.01 1 9.125 2,033.27 100 8.625 2,033.27 SIMI VALLEY CA 93065 1 05/29/01 23 0412667404 05 07/01/01 0 0412667404 O 06/01/31 0 4886031 E22/G01 F 191,400.00 ZZ 360 191,229.95 1 1 10.000 1,679.67 103 9.750 1,679.67 CARSON CITY NV 89701 1 05/23/01 23 0412670630 05 07/01/01 0 0412670630 O 06/01/31 0 4886035 E22/G01 F 89,880.00 ZZ 360 89,791.23 1 9.500 755.76 107 9.250 755.76 OVERLAND PARK KS 66212 1 05/31/01 23 0412671703 07 07/01/01 0 0412671703 O 06/01/31 0 4886042 E22/G01 F 110,000.00 ZZ 360 109,894.18 1 9.625 934.99 100 9.375 934.99 CLINTON TOWNSHI MI 48036 1 05/31/01 23 0412673469 01 07/01/01 0 0412673469 O 06/01/31 0 4886053 E22/G01 F 131,750.00 ZZ 360 131,619.87 1 9.500 1,107.83 106 9.250 1,107.83 LINDEN MI 48451 1 05/31/01 23 0412678278 05 07/01/01 0 0412678278 O 06/01/31 0 4886054 E22/G01 F 223,450.00 ZZ 360 223,223.44 1 9.375 1,858.54 100 8.875 1,858.54 FILLMORE CA 93015 1 05/25/01 23 0412680092 05 07/01/01 0 0412680092 O 06/01/31 0 4886066 E22/G01 F 145,550.00 ZZ 360 145,420.68 1 10.000 1,277.31 100 9.750 1,277.31 LAKE CHARLES LA 70611 1 05/31/01 23 0412688145 05 07/01/01 0 1 0412688145 O 06/01/31 0 4886072 E22/G01 F 176,800.00 ZZ 360 176,683.31 1 11.375 1,733.99 102 10.875 1,733.99 NEW BALTIMORE MI 48047 1 05/31/01 23 0412693517 05 07/01/01 0 0412693517 O 06/01/31 0 4886073 E22/G01 F 45,990.00 ZZ 360 45,953.28 1 10.500 420.69 100 10.250 420.69 EIGHT MILE AL 36613 1 05/31/01 23 0412695033 05 07/01/01 0 0412695033 O 06/01/31 0 4886076 E22/G01 F 74,650.00 ZZ 360 74,590.42 1 10.500 682.85 103 10.250 682.85 BONNER SPRINGS KS 66012 1 05/30/01 23 0412700452 05 07/01/01 0 0412700452 O 06/01/31 0 4886077 E22/G01 F 37,450.00 ZZ 360 37,413.98 1 9.625 318.32 107 9.125 318.32 CONROE TX 77304 1 05/31/01 23 0412700817 09 07/01/01 0 0412700817 O 06/01/31 0 4888118 U35/G01 F 115,000.00 ZZ 360 114,966.17 1 11.875 1,171.85 100 11.625 1,171.85 SCHOFIELD WI 54476 5 06/05/01 23 0432880714 05 08/01/01 0 1 O 07/01/31 0 1 4888449 147/G01 F 89,300.00 ZZ 360 89,259.42 1 9.875 775.44 95 9.625 775.44 PLANO TX 75074 1 06/06/01 23 0432907012 05 08/01/01 0 1104231418 N 07/01/31 0 4888866 624/G01 F 257,500.00 ZZ 360 257,362.97 1 9.125 2,095.10 103 8.875 2,095.10 CORONA CA 92883 1 06/08/01 23 0432915510 03 08/01/01 0 32100211083F O 07/01/31 0 4889296 685/G01 F 184,000.00 ZZ 360 183,894.14 1 8.750 1,447.53 107 8.500 1,447.53 VANCOUVER WA 98686 5 06/06/01 23 0432907087 05 08/01/01 0 125320 O 07/01/31 0 4890039 624/G01 F 180,147.00 ZZ 360 180,037.87 1 8.500 1,385.17 84 8.250 1,385.17 LAKE FOREST CA 92630 1 06/13/01 23 0432989242 01 08/01/01 0 32100211153F O 07/01/31 0 4891011 K15/G01 F 147,200.00 ZZ 360 147,115.34 1 12.000 1,514.12 103 11.750 1,514.12 SPRINGFIELD TN 37172 5 05/25/01 23 0432873487 05 07/01/01 0 002905302142 O 06/01/31 0 4892286 G75/G01 F 96,300.00 ZZ 360 96,209.77 1 9.750 827.37 103 9.500 827.37 1 RALEIGH NC 27609 1 05/24/01 23 0432867281 01 07/01/01 0 04355233 O 06/01/31 0 4892378 Q64/G01 F 55,640.00 ZZ 360 55,405.01 1 9.875 483.15 107 9.625 483.15 COUNCIL BLUFFS IA 51503 2 10/16/00 23 0432944270 05 12/01/00 0 8991028550 O 11/01/30 0 4892949 B57/G01 F 250,000.00 ZZ 360 249,856.17 1 8.750 1,966.75 100 8.500 1,966.75 SCOTTSDALE AZ 85258 1 06/06/01 23 0432906907 05 08/01/01 0 21A0411 O 07/01/31 0 4893069 964/G01 F 168,000.00 ZZ 360 167,905.82 1 8.875 1,336.68 99 8.625 1,336.68 LAS VEGAS NV 89128 2 06/11/01 23 0432925642 05 08/01/01 0 420124045 O 07/01/31 0 4893171 948/G01 F 105,000.00 ZZ 360 104,946.97 1 9.375 873.34 100 9.125 873.34 REDFORD MI 48240 1 06/19/01 23 0432986131 05 08/01/01 0 1 O 07/01/31 0 4894168 624/G01 F 91,900.00 ZZ 360 91,848.48 1 8.875 731.20 100 8.625 731.20 FRESNO CA 93722 1 06/08/01 23 0432912202 05 08/01/01 0 33500110573F O 07/01/31 0 1 4894238 E22/G01 F 164,800.00 ZZ 360 164,653.58 1 10.000 1,446.24 103 9.750 1,446.24 BEAVERTON OR 97006 2 05/21/01 23 0412574972 05 07/01/01 0 0412574972 O 06/01/31 0 4894260 E22/G01 F 55,600.00 ZZ 360 55,550.60 1 10.000 487.93 103 9.750 487.93 ATWATER MN 56209 1 06/01/01 23 0412655912 05 07/01/01 0 0412655912 O 06/01/31 0 4894272 E22/G01 F 147,131.00 ZZ 360 146,985.68 1 9.500 1,237.16 95 9.250 1,237.16 ROCKWALL TX 75087 1 05/31/01 23 0412660540 03 07/01/01 0 0412660540 N 06/01/31 0 4894280 E22/G01 F 110,745.00 ZZ 360 110,599.63 1 8.125 822.28 107 7.625 822.28 HOLLYWOOD FL 33021 1 06/01/01 23 0412670465 01 07/01/01 0 0412670465 O 06/01/31 0 4894283 E22/G01 F 192,600.00 ZZ 360 192,335.64 1 9.250 1,584.47 107 9.000 1,584.47 LARAMIE WY 82072 1 06/01/01 23 0412677841 05 07/01/01 0 0412677841 O 06/01/31 0 4894296 E22/G01 F 245,000.00 ZZ 360 244,879.49 1 1 9.500 2,060.09 100 9.250 2,060.09 CITRUS HEIGHTS CA 95621 1 05/30/01 23 0412689408 05 08/01/01 0 0412689408 O 07/01/31 0 4894303 E22/G01 F 71,250.00 ZZ 360 71,142.14 1 9.625 605.62 95 9.125 605.62 AMARILLO TX 79109 1 06/01/01 23 0412692048 05 07/01/01 0 0412692048 N 06/01/31 0 4894304 E22/G01 F 160,498.00 ZZ 360 160,317.39 1 8.875 1,276.99 107 8.625 1,276.99 FRISCO TX 75035 1 05/31/01 23 0412692139 05 07/01/01 0 0412692139 O 06/01/31 0 4894305 E22/G01 F 123,000.00 ZZ 360 122,878.52 1 9.500 1,034.25 103 9.250 1,034.25 SALISBURY MA 01952 1 06/01/01 23 0412695124 05 07/01/01 0 0412695124 O 06/01/31 0 4894308 E22/G01 F 131,800.00 ZZ 360 131,719.89 1 11.750 1,330.40 103 11.250 1,330.40 WALLED LAKE MI 48390 1 06/01/01 23 0412698078 05 07/01/01 0 0412698078 O 06/01/31 0 4894309 E22/G01 F 151,940.00 ZZ 360 151,867.22 1 9.625 1,291.47 107 9.375 1,291.47 HILLSBORO OR 97123 1 05/30/01 23 0412698615 05 08/01/01 0 1 0412698615 O 07/01/31 0 4895646 U59/G01 F 109,180.00 ZZ 360 109,077.70 1 9.750 938.03 103 9.500 938.03 PEORIA AZ 85345 1 06/14/01 23 0432906683 05 07/14/01 0 36019800860027 O 06/14/31 0 4895802 642/G01 F 123,050.00 ZZ 360 122,907.90 1 8.750 968.03 107 8.500 968.03 LANCASTSER PA 17603 2 05/25/01 23 0432891844 05 07/01/01 0 05001201 O 06/01/31 0 4895973 737/G01 F 130,800.00 ZZ 360 130,733.95 1 9.375 1,087.93 103 9.125 1,087.93 PHOENIX AZ 85051 1 06/08/01 23 0432904886 05 08/01/01 0 2026660 O 07/01/31 0 4896234 K15/G01 F 120,900.00 ZZ 360 120,767.41 1 9.000 972.79 107 8.750 972.79 FORT WAYNE IN 46802 1 05/24/01 23 0432966067 05 07/01/01 0 1 O 06/01/31 0 4896264 940/G01 F 267,697.00 ZZ 360 267,568.75 1 9.625 2,275.40 103 9.375 2,275.40 APPLE VALLEY CA 92308 1 06/06/01 23 0432965069 05 08/01/01 0 65010046 O 07/01/31 0 1 4896440 A11/G01 F 85,600.00 ZZ 360 85,470.14 1 9.406 713.91 107 9.156 713.91 ST PETERSBURG FL 33713 1 05/15/01 23 0432899748 05 06/15/01 0 4621474662 O 05/15/31 0 4896452 U59/G01 F 65,000.00 ZZ 360 64,937.45 1 9.625 552.50 100 9.375 552.50 SCOTIA NY 12302 1 06/15/01 23 0432903151 05 07/15/01 0 800807022 O 06/15/31 0 4896454 E45/G01 F 127,900.00 ZZ 360 127,766.88 1 9.250 1,052.20 100 9.000 1,052.20 LAWRENCEVILLE GA 30045 1 05/23/01 23 0432864007 05 07/01/01 0 136758 O 06/01/31 0 4897437 E87/G01 F 96,193.00 ZZ 360 96,144.43 1 9.375 800.08 107 9.125 800.08 CINCINNATI OH 45216 1 06/15/01 23 0433009222 05 08/01/01 0 01060035 O 07/01/31 0 4898068 U05/G01 F 121,000.00 ZZ 360 120,880.51 1 9.500 1,017.43 100 9.250 1,017.43 CITRUS HEIGHTS CA 95610 1 05/18/01 23 0432905495 05 07/01/01 0 3129385 O 06/01/31 0 4899408 588/G01 F 79,500.00 ZZ 360 79,405.73 1 8.625 618.34 105 8.375 618.34 1 EAST WINDSOR TO NJ 08512 1 05/15/01 23 0432899284 01 07/01/01 0 1041313 O 06/01/31 0 4899654 253/G01 F 66,000.00 ZZ 360 65,934.80 2 9.500 554.97 95 9.250 554.97 URBANA OH 43078 1 05/22/01 19 0432901684 05 07/01/01 30 967516 N 06/01/31 0 4899744 964/G01 F 178,000.00 ZZ 360 177,907.72 1 9.250 1,464.36 100 9.000 1,464.36 WHITTIER CA 90602 1 06/06/01 23 0432924934 05 08/01/01 0 125431 O 07/01/31 0 4900092 M43/G01 F 395,000.00 ZZ 360 394,519.72 1 8.500 3,037.21 104 8.250 3,037.21 FAIRFAX VA 22033 1 05/14/01 23 0432850204 03 07/01/01 0 741828483 O 06/01/31 0 4901415 147/G01 F 39,140.00 ZZ 360 39,124.45 1 10.500 358.03 103 10.250 358.03 JACKSON MS 39209 1 06/26/01 23 0432994622 05 08/01/01 0 WEEMS O 07/01/31 0 4902110 E22/G01 F 66,400.00 ZZ 360 66,336.13 1 9.625 564.39 95 9.375 564.39 ATLANTA GA 30315 1 05/24/01 23 0412599730 05 07/01/01 0 0412599730 N 06/01/31 0 1 4902130 E22/G01 F 61,200.00 ZZ 360 61,139.56 2 9.500 514.60 95 9.250 514.60 INDIANAPOLIS IN 46260 1 06/01/01 23 0412637761 05 07/01/01 0 0412637761 N 06/01/31 0 4902144 E22/G01 F 321,000.00 ZZ 360 320,699.26 1 9.750 2,757.89 107 9.500 2,757.89 DAVIE FL 33328 2 05/30/01 23 0412656118 03 07/01/01 0 0412656118 O 06/01/31 0 4902146 E22/G01 F 77,040.00 ZZ 360 76,967.83 1 9.750 661.89 107 9.500 661.89 LOCH LOMOND CA 95426 1 05/19/01 23 0412656860 05 07/01/01 0 0412656860 O 06/01/31 0 4902172 E22/G01 F 134,930.00 ZZ 360 134,782.04 1 9.000 1,085.68 103 8.500 1,085.68 PORTLAND OR 97220 1 05/29/01 23 0412681876 05 07/01/01 0 0412681876 O 06/01/31 0 4902177 E22/G01 F 178,500.00 ZZ 360 178,405.01 1 9.125 1,452.33 100 8.625 1,452.33 ORANGEVALE CA 95662 1 05/30/01 23 0412685364 05 08/01/01 0 0412685364 O 07/01/31 0 4902183 E22/G01 F 75,000.00 ZZ 360 74,835.59 1 1 8.875 596.73 100 8.375 596.73 HOUSTON TX 77045 1 06/01/01 23 0412694572 05 07/01/01 0 0412694572 O 06/01/31 0 4902185 E22/G01 F 108,750.00 ZZ 360 108,645.40 1 9.625 924.36 95 9.375 924.36 JACKSON NJ 08527 1 06/04/01 23 0412697369 01 07/01/01 0 0412697369 N 06/01/31 0 4902186 E22/G01 F 50,000.00 ZZ 360 49,976.05 1 9.625 424.99 95 9.375 424.99 MEMPHIS TN 38127 1 06/04/01 23 0412697401 05 08/01/01 0 0412697401 N 07/01/31 0 4902189 E22/G01 F 37,905.00 ZZ 360 37,886.84 1 9.625 322.19 95 9.375 322.19 SAN ANTONIO TX 78248 1 06/04/01 23 0412704389 07 08/01/01 0 0412704389 N 07/01/31 0 4902349 E82/G01 F 111,500.00 ZZ 360 111,395.53 1 9.750 957.96 100 9.500 957.96 DECATUR GA 30032 9 06/01/01 23 0400434908 05 07/01/01 0 0400434908 O 06/01/31 0 4903490 E84/G01 F 92,500.00 ZZ 360 92,403.73 1 9.250 760.97 100 9.000 760.97 SALEM OR 97302 1 05/23/01 23 0432876951 05 07/01/01 0 1 60702778 O 06/01/31 0 4903520 R49/G01 F 157,000.00 ZZ 360 156,924.79 1 9.625 1,334.48 100 9.375 1,334.48 LAS VEGAS NV 89128 1 06/12/01 23 0433032158 05 08/01/01 0 9709702 O 07/01/31 0 4903737 696/G01 F 251,450.00 ZZ 360 250,922.50 1 9.250 2,068.62 107 9.000 2,068.62 UPPER MARLBORO MD 20772 2 03/27/01 23 0432845188 05 05/01/01 0 20201032 O 04/01/31 0 4903892 808/G01 F 182,500.00 ZZ 360 182,395.00 1 8.750 1,435.73 102 8.500 1,435.73 TURLOCK CA 95382 1 06/04/01 23 0432894897 05 08/01/01 0 9421325 O 07/01/31 0 4904248 F34/G01 F 140,080.00 ZZ 360 140,044.16 1 12.500 1,495.01 103 12.250 1,495.01 LOGANVILLE GA 30052 1 06/08/01 23 0432986032 05 08/01/01 0 30105036 O 07/01/31 0 4904734 B57/G01 F 255,000.00 T 360 254,874.57 1 9.500 2,144.18 100 9.250 2,144.18 NORTHRIDGE AREA CA 91325 1 06/07/01 23 0432921781 05 08/01/01 0 2114458 O 07/01/31 0 1 4905721 642/G01 F 122,250.00 ZZ 360 122,191.44 1 9.625 1,039.11 107 9.375 1,039.11 CHESTERVILLE OH 43317 5 06/05/01 23 0432898609 05 08/01/01 0 05096901 O 07/01/31 0 4905784 642/G01 F 61,000.00 ZZ 360 60,970.00 1 9.500 512.92 106 9.250 512.92 SAGINAW MI 48602 5 06/07/01 23 0432911311 05 08/01/01 0 04144801 O 07/01/31 0 4906304 B57/G01 F 185,000.00 ZZ 360 184,893.56 1 8.750 1,455.40 100 8.500 1,455.40 MESA AZ 85203 1 06/15/01 23 0433006806 05 08/01/01 0 21A0414 O 07/01/31 0 4906335 P23/G01 F 85,000.00 ZZ 360 84,911.54 1 9.250 699.27 100 9.000 699.27 INDIANAPOLIS IN 46229 1 05/29/01 23 0432917235 05 07/01/01 0 WTL010001632 O 06/01/31 0 4906369 E47/G01 F 108,150.00 ZZ 360 108,103.42 1 10.125 959.10 103 9.875 959.10 BOONE IA 50036 5 06/13/01 23 0432970648 05 08/01/01 0 4322447426 O 07/01/31 0 4906428 642/G01 F 216,347.00 ZZ 360 216,083.83 1 8.500 1,663.52 106 8.250 1,663.52 1 YUCAIPA CA 92399 1 05/22/01 23 0432866150 05 07/01/01 0 04118101 O 06/01/31 0 4906537 K15/G01 F 89,000.00 ZZ 360 88,961.67 1 10.125 789.27 99 9.875 789.27 GREENVILLE SC 29617 2 06/07/01 23 0432908945 05 08/01/01 0 1 O 07/01/31 0 4907010 P23/G01 F 133,650.00 ZZ 360 133,499.59 1 8.875 1,063.38 99 8.625 1,063.38 CHICAGO IL 60628 1 05/29/01 23 0432876910 05 07/01/01 0 AFS010001430 O 06/01/31 0 4907462 642/G01 F 153,600.00 ZZ 360 153,502.05 1 8.250 1,153.95 103 8.000 1,153.95 EL CAJON CA 92019 1 06/08/01 23 0432897718 05 08/01/01 0 06124501 O 07/01/31 0 4908163 N67/G01 F 177,500.00 ZZ 360 177,300.24 1 8.875 1,412.27 103 8.625 1,412.27 RENO NV 89511 1 05/21/01 23 0432879658 03 07/01/01 0 1380002678 O 06/01/31 0 4909103 E47/G01 F 118,750.00 ZZ 360 118,686.80 1 9.125 966.19 95 8.875 966.19 ELGIN IL 60123 1 06/08/01 23 0432998144 05 08/01/01 0 7360511936 O 07/01/31 0 1 4909760 E22/G01 F 190,450.00 ZZ 360 190,241.17 1 9.000 1,532.40 107 8.750 1,532.40 INDIANAPOLIS IN 46220 1 06/05/01 23 0412643959 05 07/01/01 0 0412643959 O 06/01/31 0 4909773 E22/G01 F 69,550.00 ZZ 360 69,376.84 1 9.250 572.17 106 9.000 572.17 HUNTSVILLE AL 35805 9 05/31/01 23 0412663049 05 07/01/01 0 0412663049 O 06/01/31 0 4909779 E22/G01 F 237,400.00 ZZ 360 237,171.64 1 9.625 2,017.87 95 9.375 2,017.87 OAK PARK IL 60304 1 06/05/01 23 0412669814 05 07/01/01 0 0412669814 N 06/01/31 0 4909785 E22/G01 F 137,500.00 ZZ 360 137,405.91 1 8.500 1,057.26 106 8.000 1,057.26 STOCKTON CA 95204 9 05/30/01 23 0412676892 05 08/01/01 0 0412676892 O 07/01/31 0 4909797 E22/G01 F 165,850.00 ZZ 360 165,658.47 1 8.750 1,304.74 107 8.500 1,304.74 STOCKTON CA 95207 1 05/29/01 23 0412686982 05 07/01/01 0 0412686982 O 06/01/31 0 4909802 E22/G01 F 167,850.00 ZZ 360 167,624.68 1 1 10.125 1,488.53 100 9.875 1,488.53 AURORA OR 97002 1 05/29/01 23 0412692758 05 07/01/01 0 0412692758 O 06/01/31 0 4909807 E22/G01 F 330,000.00 ZZ 360 329,674.07 1 9.500 2,774.82 105 9.000 2,774.82 OAKLAND CA 94608 1 05/29/01 23 0412697559 05 07/01/01 0 0412697559 O 06/01/31 0 4909813 E22/G01 F 52,100.00 ZZ 360 52,048.54 1 9.500 438.09 95 9.250 438.09 INDIANAPOLIS IN 46208 1 06/05/01 23 0412701039 05 07/01/01 0 0412701039 N 06/01/31 0 4910150 G52/G01 F 102,000.00 ZZ 360 101,852.23 1 9.625 866.99 100 9.375 866.99 TUCSON AZ 85711 1 04/27/01 23 0432925667 05 06/01/01 0 9700000109 O 05/01/31 0 4911166 U05/G01 F 168,000.00 ZZ 360 167,912.91 1 9.250 1,382.09 100 9.000 1,382.09 HUNTSVILLE TX 77340 1 06/20/01 23 0433034261 05 08/01/01 0 3142037 O 07/01/31 0 4912354 253/G01 F 64,600.00 ZZ 360 64,568.22 1 9.500 543.20 95 9.250 543.20 MIDDLETOWN OH 45044 1 06/21/01 10 0432996098 05 08/01/01 30 1 970871 N 07/01/31 0 4912699 940/G01 F 230,542.00 ZZ 360 230,409.37 1 8.750 1,813.67 105 8.500 1,813.67 SAN BERNARDINO CA 92407 1 06/13/01 23 0432916732 05 08/01/01 0 40010253 O 07/01/31 0 4912899 940/G01 F 78,000.00 ZZ 360 77,952.75 1 8.500 599.75 100 8.250 599.75 APPLE VALLEY CA 92307 1 06/12/01 23 0432906444 05 08/01/01 0 65010184 O 07/01/31 0 4914946 Q78/G01 F 66,340.00 ZZ 360 66,275.06 1 9.625 563.89 107 9.375 563.89 LINCOLN NE 68507 1 05/30/01 23 0432902724 05 07/01/01 0 687731 O 06/01/31 0 4915867 B28/G01 F 102,485.00 ZZ 360 102,485.00 1 9.125 833.86 103 8.875 833.86 DENVER CO 80231 1 07/18/01 23 0433024692 01 09/01/01 0 0106050044 O 08/01/31 0 4916778 N67/G01 F 121,600.00 ZZ 360 121,479.90 1 9.500 1,022.48 95 9.250 1,022.48 TAYLORSVILLE UT 84123 1 05/16/01 23 0432909554 05 07/01/01 0 1160003550 N 06/01/31 0 1 4917412 K15/G01 F 102,900.00 ZZ 360 102,874.39 1 12.625 1,108.20 103 12.375 1,108.20 SANDUSKY OH 44870 5 06/11/01 23 0432906642 05 08/01/01 0 028705303303 O 07/01/31 0 4917463 K15/G01 F 185,400.00 ZZ 360 185,313.51 1 9.750 1,592.87 103 9.500 1,592.87 NASHUA NH 03062 5 06/11/01 23 0432905230 05 08/01/01 0 033305305156 O 07/01/31 0 4917660 642/G01 F 80,300.00 ZZ 360 80,268.09 1 10.500 734.54 103 10.250 734.54 CHICAGO IL 60621 1 06/25/01 23 0432985448 05 08/01/01 0 06118401 O 07/01/31 0 4919650 664/G01 F 185,100.00 ZZ 360 184,996.23 1 8.875 1,472.74 99 8.625 1,472.74 LOS ANGELES CA 90065 1 06/18/01 23 0433012739 05 08/01/01 0 0008159931 O 07/01/31 0 4920435 950/G01 F 83,995.00 ZZ 360 83,949.12 1 9.000 675.84 107 8.750 675.84 ELLENSBURG WA 98926 1 06/19/01 23 0433018926 05 08/01/01 0 E1105167 O 07/01/31 0 4920702 588/G01 F 63,800.00 ZZ 360 63,738.63 1 9.625 542.29 107 9.375 542.29 1 WINSLOW TOWNSHI NJ 08081 1 05/24/01 23 0432900256 05 07/01/01 0 00010419454 O 06/01/31 0 4921122 455/G01 F 80,340.00 ZZ 360 80,310.56 1 10.875 757.52 103 10.625 757.52 OLD HICKORY TN 37138 1 06/12/01 23 0432908390 05 08/01/01 0 42001115 O 07/01/31 0 4921743 737/G01 F 190,000.00 ZZ 360 189,908.98 1 9.625 1,614.98 100 9.375 1,614.98 SANTA ANA CA 92704 1 06/11/01 23 0432956258 05 08/01/01 0 0001774249 O 07/01/31 0 4921941 Q64/G01 F 133,000.00 ZZ 360 132,861.57 1 9.250 1,094.16 100 9.000 1,094.16 MARIETTA GA 30062 1 05/25/01 23 0432934768 05 07/01/01 0 0101979607 O 06/01/31 0 4922520 Q64/G01 F 264,500.00 ZZ 360 264,238.77 1 9.500 2,224.06 100 9.250 2,224.06 HEATHROW FL 32746 1 05/25/01 23 0432903490 03 07/01/01 0 0101193951 O 06/01/31 0 4922623 E22/G01 F 267,285.00 ZZ 360 267,142.76 1 9.125 2,174.72 103 8.875 2,174.72 SANTA ROSA CA 95407 1 05/31/01 23 0412481756 03 08/01/01 0 0412481756 O 07/01/31 0 1 4922629 E22/G01 F 72,450.00 ZZ 360 72,380.30 1 9.625 615.82 95 9.375 615.82 DAVENPORT IA 52804 1 06/06/01 23 0412593113 05 07/01/01 0 0412593113 N 06/01/31 0 4922645 E22/G01 F 277,000.00 ZZ 360 276,726.42 1 9.500 2,329.17 100 9.000 2,329.17 HAYWARD CA 94541 1 05/22/01 23 0412636532 05 07/01/01 0 0412636532 O 06/01/31 0 4922662 E22/G01 F 111,150.00 ZZ 360 111,096.76 1 9.625 944.76 95 9.375 944.76 SACRAMENTO CA 95833 1 05/31/01 23 0412661639 05 08/01/01 0 0412661639 O 07/01/31 0 4922691 E22/G01 F 127,325.00 ZZ 360 126,785.82 1 8.750 1,001.67 107 8.500 1,001.67 STOCKTON CA 95204 1 05/31/01 23 0412690273 05 08/01/01 0 0412690273 O 07/01/31 0 4922696 E22/G01 F 124,450.00 ZZ 360 124,330.28 1 9.625 1,057.81 95 9.375 1,057.81 CEDAR HILL TX 75104 1 05/31/01 23 0412695173 05 07/01/01 0 0412695173 N 06/01/31 0 4922774 U59/G01 F 110,000.00 ZZ 360 109,899.63 1 1 9.875 955.19 100 9.625 955.19 PEMBERTON TOWNS NJ 08068 1 06/15/01 23 0432917524 05 07/15/01 0 800825236 O 06/15/31 0 4924661 E22/G01 F 283,250.00 ZZ 360 282,955.18 1 9.250 2,330.23 103 8.750 2,330.23 VENTURA CA 93003 9 05/10/01 23 0412566291 05 07/01/01 0 0412566291 O 06/01/31 0 4924668 E22/G01 F 69,000.00 ZZ 360 68,941.89 1 10.250 618.31 103 10.000 618.31 LAKE CHARLES LA 70601 1 06/07/01 23 0412633034 05 07/01/01 0 0412633034 O 06/01/31 0 4924669 E22/G01 F 51,895.00 ZZ 360 51,868.09 1 9.250 426.93 107 8.750 426.93 BAKERSFIELD CA 93304 1 05/31/01 23 0412634784 05 08/01/01 0 0412634784 O 07/01/31 0 4924672 E22/G01 F 143,201.00 ZZ 360 141,881.54 1 10.125 1,269.94 103 9.625 1,269.94 FERNLEY NV 89408 1 05/16/01 23 0412639312 05 07/01/01 0 0412639312 O 06/01/31 0 4924673 E22/G01 F 210,700.00 ZZ 360 210,609.24 2 10.125 1,868.54 98 9.875 1,868.54 KETCHIKAN AK 99901 1 06/01/01 23 0412648453 05 08/01/01 0 1 0412648453 O 07/01/31 0 4924682 E22/G01 F 63,200.00 ZZ 360 63,146.76 1 10.250 566.34 103 10.000 566.34 MADISON AL 35758 1 06/07/01 23 0412674798 05 07/01/01 0 0412674798 O 06/01/31 0 4924685 E22/G01 F 134,900.00 ZZ 360 134,822.41 1 12.000 1,387.60 103 11.750 1,387.60 ORLANDO FL 32792 1 06/07/01 23 0412684268 05 07/01/01 0 0412684268 O 06/01/31 0 4924695 E22/G01 F 39,700.00 T 360 39,681.97 1 9.875 344.73 102 9.375 344.73 KUNKLETOWN PA 18058 1 06/07/01 23 0412697310 03 08/01/01 0 0412697310 O 07/01/31 0 4924698 E22/G01 F 109,235.00 ZZ 360 109,175.33 1 9.000 878.93 107 8.750 878.93 ALLEN TX 75002 1 06/07/01 23 0412698359 05 08/01/01 0 0412698359 O 07/01/31 0 4924709 E22/G01 F 85,300.00 ZZ 360 85,206.47 1 9.000 686.34 107 8.750 686.34 FORT WORTH TX 76137 1 06/05/01 23 0412710857 05 07/01/01 0 0412710857 O 06/01/31 0 1 4924710 E22/G01 F 69,900.00 ZZ 360 69,867.39 1 9.750 600.55 100 9.250 600.55 HOUSTON TX 77014 1 06/06/01 23 0412716284 05 08/01/01 0 0412716284 O 07/01/31 0 4924748 E82/G01 F 80,250.00 ZZ 360 80,211.55 1 9.625 682.12 107 9.375 682.12 EVANSVILLE IN 47714 5 06/06/01 23 0400435582 05 08/01/01 0 0400435582 O 07/01/31 0 4925856 E87/G01 F 89,555.00 ZZ 360 89,507.34 1 9.125 728.65 107 8.875 728.65 COAL TOWNSHIP PA 17866 2 06/22/01 23 0432996742 05 08/01/01 0 01060024 O 07/01/31 0 4926218 S02/G01 F 87,600.00 ZZ 360 87,555.77 2 9.375 728.61 100 9.125 728.61 PITTSBURGH PA 15206 1 06/13/01 23 0432921112 05 08/01/01 0 01105276 O 07/01/31 0 4926554 147/G01 F 25,000.00 ZZ 360 24,987.37 1 9.375 207.94 100 9.125 207.94 PITTSBURGH PA 15216 1 06/13/01 23 0432943249 05 08/01/01 0 1 O 07/01/31 0 4926813 S02/G01 F 227,977.00 ZZ 360 227,867.79 1 9.625 1,937.78 100 9.375 1,937.78 1 ANAHEIM CA 92807 1 06/14/01 23 0432985661 09 08/01/01 0 01106042 O 07/01/31 0 4927295 Q64/G01 F 113,300.00 ZZ 360 113,209.56 1 10.500 1,036.40 101 10.250 1,036.40 EDGEWATER FL 32141 5 05/25/01 23 0432927879 05 07/01/01 0 0101924306 O 06/01/31 0 4927352 U05/G01 F 166,000.00 ZZ 360 165,918.35 1 9.500 1,395.82 102 9.250 1,395.82 AURORA IL 60504 1 06/26/01 23 0432982361 05 08/01/01 0 3134608 O 07/01/31 0 4927831 Q64/G01 F 89,900.00 ZZ 360 89,815.78 1 9.750 772.38 100 9.500 772.38 GRAND PRAIRIE TX 75052 1 05/21/01 23 0432908226 05 07/01/01 0 0101194082 O 06/01/31 0 4927947 642/G01 F 84,460.00 ZZ 360 84,392.58 1 10.500 772.59 103 10.250 772.59 GARFIELD HEIGHT OH 44125 5 05/31/01 23 0432895944 05 07/01/01 0 05015401 O 06/01/31 0 4928068 685/G01 F 230,000.00 ZZ 360 229,874.37 1 9.000 1,850.63 100 8.750 1,850.63 SAN FERNANDO CA 91340 1 06/20/01 23 0432931608 05 08/01/01 0 125938 O 07/01/31 0 1 4928513 J40/G01 F 79,800.00 ZZ 360 79,721.19 1 9.500 671.00 95 9.250 671.00 ATLANTA GA 30331 1 05/24/01 23 0432947943 05 07/01/01 0 1054436 N 06/01/31 0 4928563 Q64/G01 F 129,150.00 ZZ 360 129,022.43 1 9.500 1,085.97 100 9.250 1,085.97 DULUTH GA 30096 1 05/21/01 23 0432906626 05 07/01/01 0 0101964500 O 06/01/31 0 4929002 Q64/G01 F 86,500.00 ZZ 360 86,416.77 1 9.625 735.25 107 9.375 735.25 NORTH MYRTLE BE SC 29582 1 05/18/01 23 0432934834 01 07/01/01 0 0101866002 O 06/01/31 0 4929378 J40/G01 F 47,380.00 ZZ 360 47,346.97 1 11.125 455.69 103 10.875 455.69 KNOXVILLE TN 37914 5 05/25/01 23 0432947877 05 07/01/01 0 1054559 O 06/01/31 0 4930046 664/G01 F 88,580.00 ZZ 360 88,543.84 1 10.375 802.01 103 10.125 802.01 LOUISVILLE KY 40219 1 06/15/01 23 0433018496 05 08/01/01 0 0008152837 O 07/01/31 0 4930159 700/G01 F 300,000.00 ZZ 360 299,848.50 1 1 9.375 2,495.25 99 9.125 2,495.25 LAKE ARROWHEAD CA 92352 1 06/25/01 23 0433015567 05 08/01/01 0 00259714 O 07/01/31 0 4930200 696/G01 F 290,000.00 ZZ 360 289,656.34 1 8.625 2,255.59 104 8.375 2,255.59 PURCELLVILLE VA 20132 1 05/15/01 23 0432883833 05 07/01/01 0 50101068 O 06/01/31 0 4930261 S02/G01 F 234,900.00 ZZ 360 234,761.31 1 8.625 1,827.03 100 8.375 1,827.03 LOS ANGELES-GRA CA 91344 1 06/13/01 23 0432918316 05 08/01/01 0 01106077 O 07/01/31 0 4930794 808/G01 F 131,500.00 ZZ 360 131,500.00 1 9.125 1,069.93 100 8.875 1,069.93 FONTANA CA 92336 1 07/06/01 23 0433023058 05 09/01/01 0 9319459 O 08/01/31 0 4931091 U62/G01 F 236,000.00 ZZ 360 235,720.34 1 8.625 1,835.58 98 8.375 1,835.58 SAN DIMAS CA 91773 2 05/25/01 23 0432921740 09 07/01/01 0 2001254207 O 06/01/31 0 4931345 R17/G01 F 77,250.00 ZZ 360 77,188.33 1 10.500 706.64 103 10.250 706.64 POMPANO BEACH FL 33069 1 05/23/01 23 0432935005 01 07/01/01 0 1 1000042103 O 06/01/31 0 4931602 700/G01 F 115,900.00 ZZ 360 115,841.47 1 9.375 964.00 95 9.125 964.00 POLLOCK PINES CA 95726 1 06/14/01 23 0433031010 03 08/01/01 0 00258153 N 07/01/31 0 4931791 948/G01 F 237,500.00 ZZ 360 237,380.06 1 9.375 1,975.41 100 9.125 1,975.41 LA HABRA CA 90631 1 06/18/01 23 0432991297 05 08/01/01 0 6034595 O 07/01/31 0 4932134 E22/G01 F 74,500.00 ZZ 360 74,424.47 1 9.375 619.65 107 9.125 619.65 MIAMI FL 33169 1 06/08/01 23 0412657736 01 07/01/01 0 0412657736 O 06/01/31 0 4932136 E22/G01 F 259,500.00 ZZ 360 259,378.93 1 9.750 2,229.51 103 9.500 2,229.51 ANAHEIM CA 92806 1 06/04/01 23 0412660672 05 08/01/01 0 0412660672 O 07/01/31 0 4932141 E22/G01 F 91,200.00 ZZ 360 91,155.14 1 9.500 766.86 105 9.250 766.86 SACRAMENTO CA 95820 1 06/04/01 23 0412665929 05 08/01/01 0 0412665929 O 07/01/31 0 1 4932154 E22/G01 F 123,000.00 ZZ 360 122,927.38 1 8.625 956.68 100 8.125 956.68 PLEASANTON TX 78064 1 06/06/01 23 0412680365 05 08/01/01 0 0412680365 O 07/01/31 0 4932160 E22/G01 F 193,178.00 ZZ 360 193,082.98 1 9.500 1,624.35 100 9.250 1,624.35 PALM SPRINGS CA 92262 1 05/31/01 23 0412684607 05 08/01/01 0 0412684607 O 07/01/31 0 4932161 E22/G01 F 217,200.00 ZZ 360 216,854.82 1 8.875 1,728.14 107 8.625 1,728.14 APEX NC 27502 2 05/30/01 23 0412685059 03 07/01/01 0 0412685059 O 06/01/31 0 4932165 E22/G01 F 190,000.00 ZZ 360 189,906.55 1 9.500 1,597.62 100 9.250 1,597.62 SALT LAKE CITY UT 84121 1 06/06/01 23 0412693178 05 08/01/01 0 0412693178 O 07/01/31 0 4932168 E22/G01 F 172,000.00 ZZ 360 171,898.45 1 8.625 1,337.80 104 8.375 1,337.80 CORAL SPRINGS FL 33076 1 06/08/01 23 0412698425 03 08/01/01 0 0412698425 O 07/01/31 0 4932174 E22/G01 F 66,950.00 ZZ 360 66,916.19 1 9.375 556.86 100 9.125 556.86 1 KANSAS CITY KS 66111 1 06/08/01 23 0412708331 05 08/01/01 0 0412708331 O 07/01/31 0 4932958 F34/G01 F 97,850.00 ZZ 360 97,810.05 1 10.375 885.94 103 10.125 885.94 DELRAY BEACH FL 33445 1 06/18/01 23 0432972040 09 08/01/01 0 30106022 O 07/01/31 0 4934677 N74/G01 F 150,000.00 ZZ 360 149,922.24 1 9.250 1,234.01 100 9.000 1,234.01 WINSTON SALEM NC 27105 1 06/29/01 23 0433003621 05 08/01/01 0 0029057010 O 07/01/31 0 4935080 J95/G01 F 385,500.00 ZZ 360 385,278.21 1 8.750 3,032.73 100 8.500 3,032.73 SUNNYVALE CA 94086 1 06/15/01 23 0432922649 01 08/01/01 0 0027174911 O 07/01/31 0 4938600 737/G01 F 146,000.00 ZZ 360 145,926.28 1 9.375 1,214.35 100 9.125 1,214.35 GLENDALE AZ 85302 1 06/25/01 23 0432989200 03 08/01/01 0 2022066 O 07/01/31 0 4939085 940/G01 F 139,050.00 ZZ 360 138,972.05 1 8.875 1,106.34 103 8.625 1,106.34 VICTORVILLE CA 92392 1 06/15/01 23 0432908846 05 08/01/01 0 65010173 O 07/01/31 0 1 4939233 624/G01 F 87,400.00 ZZ 360 87,353.48 1 9.125 711.12 95 8.875 711.12 HANFORD CA 93230 1 06/13/01 23 0432907053 05 08/01/01 0 36500312336F N 07/01/31 0 4939794 642/G01 F 99,910.00 ZZ 360 99,865.80 1 10.000 876.78 103 9.750 876.78 WARREN MI 48089 2 06/08/01 23 0432992261 05 08/01/01 0 05060201 O 07/01/31 0 4939886 U05/G01 F 137,750.00 ZZ 360 137,672.78 1 8.875 1,096.00 95 8.625 1,096.00 CHICO CA 95926 1 06/19/01 01 0433004710 05 08/01/01 30 3138886 N 07/01/31 0 4941082 E22/G01 F 76,380.00 ZZ 360 76,343.41 1 9.625 649.22 100 9.375 649.22 CHIMNEY ROCK NC 28720 1 06/11/01 23 0412633992 05 08/01/01 0 0412633992 O 07/01/31 0 4941101 E22/G01 F 196,950.00 ZZ 360 196,855.65 1 9.625 1,674.05 100 9.375 1,674.05 ALGONAC MI 48001 1 06/11/01 23 0412670838 05 08/01/01 0 0412670838 O 07/01/31 0 4941105 E22/G01 F 109,000.00 ZZ 360 108,968.81 1 1 12.000 1,121.19 95 11.500 1,121.19 ARDEN NC 28704 1 06/11/01 23 0412674855 05 08/01/01 0 0412674855 O 07/01/31 0 4941168 E22/G01 F 77,950.00 ZZ 360 77,910.63 1 9.375 648.35 100 9.125 648.35 ENGLEWOOD OH 45322 1 06/11/01 23 0412726077 05 08/01/01 0 0412726077 O 07/01/31 0 4941430 G75/G01 F 376,600.00 ZZ 360 376,371.85 1 8.500 2,895.73 107 8.250 2,895.73 ELKRIDGE MD 21075 5 06/15/01 23 0432989820 03 08/01/01 0 04378697 O 07/01/31 0 4941909 642/G01 F 200,000.00 ZZ 360 199,899.00 1 9.375 1,663.50 102 9.125 1,663.50 ALHAMBRA CA 91801 1 06/14/01 23 0432946200 01 08/01/01 0 06104801 O 07/01/31 0 4942742 B28/G01 F 200,300.00 ZZ 360 200,187.71 1 8.875 1,593.68 103 8.625 1,593.68 CHICAGO IL 60634 1 06/29/01 23 0433015047 05 08/01/01 0 0103280037 O 07/01/31 0 4943129 N67/G01 F 110,000.00 ZZ 360 109,878.33 1 9.250 904.94 100 9.000 904.94 LAKE VILLAGE IN 46349 1 05/30/01 23 0432908937 05 07/01/01 0 1 3250005409 O 06/01/31 0 4943396 B23/G01 F 191,500.00 ZZ 360 191,377.88 1 8.250 1,438.68 107 8.000 1,438.68 TEMECULA CA 92592 1 06/15/01 23 0432910503 03 08/01/01 0 88004559 O 07/01/31 0 4945438 Q78/G01 F 133,750.00 ZZ 360 133,678.82 1 9.125 1,088.24 107 8.875 1,088.24 FRANKFORT IN 46041 1 06/05/01 23 0432946655 05 08/01/01 0 687752 O 07/01/31 0 4945605 N67/G01 F 104,300.00 ZZ 360 104,173.17 1 8.500 801.98 107 8.250 801.98 WEST LAFAYETTE IN 47906 1 05/31/01 23 0432912111 05 07/01/01 0 3250005519 O 06/01/31 0 4945822 003/G01 F 156,850.00 ZZ 360 156,686.74 1 9.250 1,290.37 100 9.000 1,290.37 CUMMING GA 30040 1 05/30/01 23 0432985257 05 07/01/01 0 0021462783 O 06/01/31 0 4946003 U35/G01 F 98,880.00 ZZ 360 98,835.08 1 9.875 858.62 103 9.625 858.62 OAK CREEK WI 53154 1 06/18/01 23 0432949147 05 08/01/01 0 9680007 O 07/01/31 0 1 4946105 T17/G01 F 85,490.00 ZZ 360 85,419.75 1 10.500 782.01 103 10.250 782.01 MIAMI FL 33055 1 06/15/01 23 0432998334 05 07/14/01 0 01030584 O 06/14/31 0 4948018 T24/G01 F 66,900.00 ZZ 360 66,828.53 1 9.125 544.32 106 8.875 544.32 HOUSTON TX 77044 1 05/11/01 23 0432909034 03 07/01/01 0 09950202 O 06/01/31 0 4949137 R74/G01 F 47,000.00 ZZ 360 46,975.12 1 9.150 383.26 100 8.900 383.26 EAST PEORIA IL 61611 1 06/15/01 23 0432913655 05 08/01/01 0 2020023795 O 07/01/31 0 4949304 J40/G01 F 130,000.00 ZZ 360 129,936.06 1 9.500 1,093.11 100 9.250 1,093.11 MOUNT PLEASANT MS 38649 1 06/18/01 23 0432947984 05 08/01/01 0 1057556 O 07/01/31 0 4949465 R65/G01 F 128,400.00 ZZ 360 128,400.00 1 8.625 998.68 107 8.375 998.68 SHERIDAN WY 82801 5 07/03/01 23 0433016094 05 09/01/01 0 20013313 O 08/01/31 0 4950265 E22/G01 F 285,000.00 ZZ 360 284,852.25 1 9.250 2,344.62 100 8.750 2,344.62 1 LIVERMORE CA 94550 1 06/07/01 23 0412643686 05 08/01/01 0 0412643686 O 07/01/31 0 4950271 E22/G01 F 42,750.00 ZZ 360 42,728.97 1 9.500 359.47 95 9.000 359.47 SOAP LAKE WA 98851 1 05/29/01 23 0412665267 05 08/01/01 0 0412665267 N 07/01/31 0 4950299 E22/G01 F 117,500.00 ZZ 360 117,442.21 1 9.500 988.00 100 9.000 988.00 TORRANCE CA 90502 1 06/06/01 23 0412702078 01 08/01/01 0 0412702078 O 07/01/31 0 4950317 E22/G01 F 257,500.00 ZZ 360 257,400.40 1 10.625 2,379.55 103 10.125 2,379.55 FAIRFIELD CT 06432 1 06/12/01 23 0412721789 05 08/01/01 0 0412721789 O 07/01/31 0 4950319 E22/G01 F 144,900.00 ZZ 360 144,824.88 1 9.250 1,192.06 100 9.000 1,192.06 TROY MI 48083 1 06/12/01 23 0412727836 05 08/01/01 0 0412727836 O 07/01/31 0 4950322 E22/G01 F 177,500.00 ZZ 360 177,440.07 1 11.250 1,723.99 100 10.750 1,723.99 FRUITA CO 81521 1 06/12/01 23 0412735920 03 08/01/01 0 0412735920 O 07/01/31 0 1 4950887 W33/G01 F 139,100.00 ZZ 360 138,969.69 1 9.750 1,195.08 107 9.500 1,195.08 VAN BUREN MI 48111 1 06/15/01 23 0432917102 05 07/15/01 0 0125047 O 06/15/31 0 4951863 685/G01 F 204,950.00 ZZ 360 204,832.09 1 8.750 1,612.34 100 8.500 1,612.34 LOS ANGELES CA 91324 1 06/26/01 23 0432952810 05 08/01/01 0 125982 O 07/01/31 0 4953781 U62/G01 F 188,500.00 ZZ 360 188,376.69 1 8.125 1,399.61 101 7.875 1,399.61 SEABROOK NH 03874 2 06/20/01 23 0433022605 01 08/01/01 0 2001255472 O 07/01/31 0 4953831 147/G01 F 277,950.00 ZZ 360 277,797.86 1 8.990 2,234.45 103 8.740 2,234.45 CORAL SPRINGS FL 33076 1 06/15/01 23 0432933505 03 08/01/01 0 10421257 O 07/01/31 0 4955130 E87/G01 F 85,600.00 ZZ 360 85,552.01 1 8.875 681.07 107 8.625 681.07 KOKOMO IN 46902 5 06/15/01 23 0433000650 05 08/01/01 0 01050540 O 07/01/31 0 4955166 964/G01 F 149,000.00 ZZ 360 148,914.28 1 1 8.750 1,172.18 100 8.500 1,172.18 LAS VEGAS NV 89144 1 06/19/01 23 0432958858 03 08/01/01 0 130390 O 07/01/31 0 4955174 Q64/G01 F 76,200.00 ZZ 360 76,124.72 1 9.500 640.74 100 9.250 640.74 AUGUSTA GA 30907 1 05/31/01 23 0432934438 07 07/01/01 0 0101979508 O 06/01/31 0 4955509 Q64/G01 F 154,450.00 ZZ 360 154,305.31 1 9.750 1,326.96 100 9.500 1,326.96 FORT WORTH TX 76040 1 05/31/01 23 0432916567 03 07/01/01 0 0101989408 O 06/01/31 0 4956044 U05/G01 F 109,150.00 ZZ 360 109,093.41 1 9.250 897.95 106 9.000 897.95 FORT LAUDERDALE FL 33317 1 06/18/01 23 0432908283 05 08/01/01 0 3128959 O 07/01/31 0 4956822 J95/G01 F 155,500.00 ZZ 360 155,429.36 1 9.875 1,350.28 103 9.625 1,350.28 FONTANA CA 92336 2 06/26/01 23 0433035862 05 08/01/01 0 0023618960 O 07/01/31 0 4957360 964/G01 F 173,850.00 T 360 173,850.00 1 9.250 1,430.22 103 9.000 1,430.22 WHISPERING PINE CA 95426 1 07/02/01 23 0432998706 05 09/01/01 0 1 124929 O 08/01/31 0 4957396 U62/G01 F 96,300.00 ZZ 360 96,300.00 1 8.375 731.95 107 8.125 731.95 JACKSONVILLE FL 32277 2 07/10/01 23 0433022662 05 09/01/01 0 2001263106 O 08/01/31 0 4958435 964/G01 F 160,165.00 ZZ 360 160,079.76 1 9.125 1,303.16 103 8.875 1,303.16 LAS VEGAS NV 89018 1 06/05/01 23 0432944601 05 08/01/01 0 126409 O 07/01/31 0 4958757 E22/G01 F 85,000.00 ZZ 360 84,918.21 1 9.625 722.50 95 9.375 722.50 REDFORD MI 48239 1 05/03/01 23 0412622276 05 07/01/01 0 0412622276 N 06/01/31 0 4958769 E22/G01 F 96,300.00 ZZ 360 96,243.15 1 8.625 749.01 107 8.375 749.01 STOCKTON CA 95207 1 06/06/01 23 0412652497 01 08/01/01 0 0412652497 O 07/01/31 0 4958770 E22/G01 F 79,150.00 ZZ 360 79,106.77 1 9.000 636.86 107 8.750 636.86 ELIZABETHTOWN KY 42701 1 06/13/01 23 0412656506 05 08/01/01 0 0412656506 O 07/01/31 0 1 4958794 E22/G01 F 44,450.00 ZZ 360 44,427.56 2 9.375 369.71 100 9.125 369.71 JOHNSON VT 05656 1 06/13/01 23 0412693145 05 08/01/01 0 0412693145 O 07/01/31 0 4958796 E22/G01 F 249,775.00 ZZ 360 249,655.34 1 9.625 2,123.06 103 9.375 2,123.06 CLOVERDALE CA 95425 1 06/05/01 23 0412696494 05 08/01/01 0 0412696494 O 07/01/31 0 4958804 E22/G01 F 152,985.00 ZZ 360 152,899.23 1 8.875 1,217.22 100 8.625 1,217.22 GLENDALE AZ 85308 1 06/08/01 23 0412703340 03 08/01/01 0 0412703340 O 07/01/31 0 4958812 E22/G01 F 193,950.00 T 360 193,841.27 1 8.875 1,543.15 100 8.625 1,543.15 MARINA CA 93933 1 06/07/01 23 0412708927 01 08/01/01 0 0412708927 O 07/01/31 0 4958821 E22/G01 F 249,950.00 ZZ 360 249,827.05 1 9.500 2,101.72 100 9.250 2,101.72 TRACY CA 95376 1 06/07/01 23 0412716920 05 08/01/01 0 0412716920 O 07/01/31 0 4958831 E22/G01 F 109,250.00 ZZ 360 109,197.67 2 9.625 928.61 95 9.125 928.61 1 WILTON MANORS FL 33334 1 06/13/01 23 0412734600 05 08/01/01 0 0412734600 N 07/01/31 0 4958850 B28/G01 F 389,300.00 ZZ 360 389,092.82 1 9.125 3,167.48 102 8.875 3,167.48 ARVADA CO 80005 1 06/28/01 23 0433009172 03 08/01/01 0 0105230041 O 07/01/31 0 4958899 U35/G01 F 152,100.00 ZZ 360 152,023.19 1 9.375 1,265.09 100 9.125 1,265.09 MADISON WI 53719 1 06/22/01 23 0432943736 05 08/01/01 0 9999999999999 O 07/01/31 0 4960516 U35/G01 F 129,000.00 ZZ 360 128,925.79 1 8.750 1,014.84 100 8.500 1,014.84 FRESNO CA 93727 1 06/21/01 23 0432960383 05 08/01/01 0 YARISH O 07/01/31 0 4962229 S20/G01 F 127,600.00 ZZ 360 127,473.98 1 9.500 1,072.93 103 9.250 1,072.93 PELZER SC 29669 1 06/19/01 23 0432966232 05 07/19/01 0 0111819 O 06/19/31 0 4962303 P23/G01 F 49,100.00 ZZ 360 49,075.20 1 9.375 408.39 107 9.125 408.39 BIG STONE GAP VA 24219 1 06/01/01 23 0432908523 05 08/01/01 0 WTL010001570 O 07/01/31 0 1 4963439 U62/G01 F 233,000.00 ZZ 360 232,899.64 1 10.125 2,066.30 101 9.875 2,066.30 LITCHFIELD NH 03052 2 05/31/01 23 0432900843 05 08/01/01 0 2001251103 O 07/01/31 0 4963662 U05/G01 F 159,000.00 ZZ 360 158,915.38 1 9.125 1,293.68 100 8.875 1,293.68 VANCOUVER WA 98682 1 06/27/01 23 0433000346 05 08/01/01 0 3141276 O 07/01/31 0 4964370 286/G01 F 62,700.00 ZZ 360 62,636.42 1 9.375 521.51 95 9.125 521.51 FREDERICK MD 21701 1 05/23/01 23 0432901809 05 07/01/01 0 0000386592 N 06/01/31 0 4964853 642/G01 F 53,500.00 ZZ 360 53,470.01 1 8.875 425.67 107 8.625 425.67 CIBOLO TX 78108 1 06/11/01 23 0432932036 05 08/01/01 0 05046501 O 07/01/31 0 4965622 737/G01 F 109,150.00 ZZ 360 109,091.91 1 9.125 888.08 103 8.875 888.08 GLENDALE AZ 85302 1 06/18/01 23 0432948214 05 08/01/01 0 2027348 O 07/01/31 0 4967119 N67/G01 F 80,750.00 ZZ 360 80,672.31 1 1 9.625 686.37 95 9.375 686.37 DECATUR GA 30032 1 06/01/01 23 0432902682 05 07/01/01 0 3250005578 N 06/01/31 0 4967872 N46/G01 F 169,400.00 ZZ 360 169,323.04 1 9.875 1,470.98 103 9.625 1,470.98 WINSTON SALEM NC 27105 1 06/28/01 23 0433012085 05 08/01/01 0 1 O 07/01/31 0 4967975 U59/G01 F 66,507.00 ZZ 360 66,439.55 1 9.375 553.18 98 9.125 553.18 BINGHAMTON NY 13903 5 06/20/01 23 0433001070 05 07/25/01 0 800856327 O 06/25/31 0 4967987 J95/G01 F 185,400.00 ZZ 360 185,290.54 1 8.625 1,442.02 103 8.375 1,442.02 DALLAS TX 75238 1 06/29/01 23 0433010774 05 08/01/01 0 0023459894 O 07/01/31 0 4968532 E22/G01 F 181,900.00 T 360 181,815.14 1 9.750 1,562.80 107 9.500 1,562.80 FAIRPORT NY 14450 1 06/14/01 23 0412545048 05 08/01/01 0 0412545048 O 07/01/31 0 4968549 E22/G01 F 72,100.00 ZZ 360 72,064.53 1 9.500 606.26 103 9.250 606.26 IUKA IL 62849 1 06/14/01 23 0412692303 05 08/01/01 0 1 0412692303 O 07/01/31 0 4968550 E22/G01 F 178,190.00 ZZ 360 178,137.58 1 11.875 1,815.76 103 11.375 1,815.76 DENVER CO 80239 1 06/11/01 23 0412693319 05 08/01/01 0 0412693319 O 07/01/31 0 4968563 E22/G01 F 138,030.00 ZZ 360 137,956.54 1 9.125 1,123.06 107 8.875 1,123.06 WEST RICHLAND WA 99353 1 06/06/01 23 0412717548 05 08/01/01 0 0412717548 O 07/01/31 0 4968565 E22/G01 F 399,600.00 ZZ 360 399,387.35 1 9.125 3,251.28 107 8.625 3,251.28 SAN LEANDRO CA 94577 1 06/12/01 23 0412720773 05 08/01/01 0 0412720773 O 07/01/31 0 4968567 E22/G01 F 231,750.00 ZZ 360 231,652.82 1 10.250 2,076.71 103 10.000 2,076.71 ATLANTA GA 30341 1 06/14/01 23 0412730285 05 08/01/01 0 0412730285 O 07/01/31 0 4968570 E22/G01 F 118,150.00 ZZ 360 118,083.77 1 8.875 940.05 103 8.375 940.05 MISSOURI CITY TX 77489 1 06/14/01 23 0412733222 05 08/01/01 0 0412733222 O 07/01/31 0 1 4968573 E22/G01 F 131,325.00 ZZ 360 131,255.12 2 9.125 1,068.50 103 8.875 1,068.50 NEW ORLEANS LA 70119 1 06/14/01 23 0412737066 05 08/01/01 0 0412737066 O 07/01/31 0 4969131 737/G01 F 256,450.00 T 360 256,317.05 1 9.250 2,109.75 103 9.000 2,109.75 SCOTTSDALE AZ 85255 1 06/20/01 23 0432976595 03 08/01/01 0 2028218 O 07/01/31 0 4969299 W33/G01 F 68,480.00 ZZ 360 68,383.37 1 9.750 588.35 107 9.500 588.35 WEST PEORIA IL 61604 1 05/14/01 23 0432917136 05 06/13/01 0 0124457 O 05/13/31 0 4969427 624/G01 F 391,620.00 ZZ 360 391,416.98 1 9.250 3,221.76 107 9.000 3,221.76 ANTIOCH CA 94509 1 06/25/01 23 0432943215 05 08/01/01 0 31300110856F O 07/01/31 0 4969790 964/G01 F 183,300.00 ZZ 360 183,225.17 1 10.375 1,659.61 103 10.125 1,659.61 HILLSBORO OR 97123 5 06/08/01 23 0432992188 05 08/01/01 0 124440 O 07/01/31 0 4970577 M43/G01 F 82,555.00 ZZ 360 82,513.30 1 9.375 686.66 95 9.125 686.66 1 MANASSAS VA 20110 1 06/21/01 23 0432992485 01 08/01/01 0 724557954 N 07/01/31 0 4970600 L16/G01 F 93,000.00 ZZ 360 92,953.03 1 9.375 773.53 100 9.125 773.53 DIVIDE CO 80814 1 06/22/01 23 0432993327 05 08/01/01 0 W0106148 O 07/01/31 0 4971224 685/G01 F 217,800.00 ZZ 360 217,690.01 1 9.375 1,811.55 103 9.125 1,811.55 ROMOLAND CA 92585 1 06/28/01 23 0432957314 05 08/01/01 0 125921 O 07/01/31 0 4972752 Q78/G01 F 77,250.00 ZZ 360 77,184.93 1 10.250 692.24 103 10.000 692.24 OLATHE KS 66061 1 06/01/01 23 0432917896 05 07/01/01 0 686672 O 06/01/31 0 4972934 W96/G01 F 166,000.00 ZZ 360 165,916.18 1 9.375 1,380.70 100 9.125 1,380.70 HOBE SOUND FL 33455 1 06/21/01 23 0432954451 03 08/01/01 0 21060233 O 07/01/31 0 4973294 K15/G01 F 92,700.00 ZZ 360 92,678.80 1 13.000 1,025.45 103 12.750 1,025.45 WYOMING MI 49509 5 06/21/01 23 0432918845 05 08/01/01 0 035905303417 O 07/01/31 0 1 4973721 U05/G01 F 240,750.00 ZZ 360 240,611.49 1 8.750 1,893.98 107 8.500 1,893.98 GRESHAM OR 97030 5 06/14/01 23 0432994747 05 08/01/01 0 3136479 O 07/01/31 0 4973942 K15/G01 F 116,300.00 ZZ 360 116,272.64 1 12.875 1,275.16 103 12.625 1,275.16 CANDLER NC 28715 1 06/29/01 23 0432992436 05 08/01/01 0 017505300691 O 07/01/31 0 4975083 588/G01 F 124,400.00 ZZ 360 124,260.01 1 8.875 989.78 106 8.625 989.78 GERMANTOWN MD 20876 1 05/31/01 23 0432900736 03 07/01/01 0 1042563 O 06/01/31 0 4975416 E22/G01 F 66,900.00 ZZ 360 66,867.10 1 9.500 562.53 100 9.250 562.53 FARMVILLE NC 27828 1 06/15/01 23 0412627317 05 08/01/01 0 0412627317 O 07/01/31 0 4975422 E22/G01 F 122,800.00 ZZ 360 122,744.21 1 9.875 1,066.33 102 9.625 1,066.33 SCHAUMBURG IL 60194 1 06/15/01 23 0412654758 09 08/01/01 0 0412654758 O 07/01/31 0 4975432 E22/G01 F 147,000.00 ZZ 360 146,923.79 1 1 9.250 1,209.33 100 9.000 1,209.33 GRAND ISLAND NE 68803 1 06/15/01 23 0412675290 05 08/01/01 0 0412675290 O 07/01/31 0 4975440 E22/G01 F 212,950.00 ZZ 360 212,847.99 1 9.625 1,810.05 100 9.375 1,810.05 HUNTSVILLE AL 35811 1 06/15/01 23 0412686289 03 08/01/01 0 0412686289 O 07/01/31 0 4975448 E22/G01 F 92,500.00 ZZ 360 92,453.29 1 9.375 769.37 100 8.875 769.37 SARASOTA FL 34233 1 06/15/01 23 0412693426 05 08/01/01 0 0412693426 O 07/01/31 0 4975462 E22/G01 F 126,700.00 ZZ 360 126,634.32 1 9.250 1,042.33 100 8.750 1,042.33 NORTH LAS VEGAS NV 89033 1 06/11/01 23 0412702680 03 08/01/01 0 0412702680 O 07/01/31 0 4975463 E22/G01 F 94,650.00 ZZ 360 94,623.66 1 12.125 982.70 100 11.625 982.70 JACKSONVILLE FL 32244 1 06/15/01 23 0412704454 03 08/01/01 0 0412704454 O 07/01/31 0 4975479 E22/G01 F 123,000.00 ZZ 360 122,936.23 2 9.250 1,011.89 100 9.000 1,011.89 FALL RIVER MA 02720 1 06/15/01 23 0412714578 05 08/01/01 0 1 0412714578 O 07/01/31 0 4975500 E22/G01 F 107,100.00 ZZ 360 107,065.77 1 11.500 1,060.60 103 11.000 1,060.60 JUPITER FL 33478 1 06/15/01 23 0412738593 05 08/01/01 0 0412738593 O 07/01/31 0 4975502 E22/G01 F 66,900.00 ZZ 360 66,864.40 1 9.125 544.32 100 8.875 544.32 MERRIMACK NH 03054 1 06/15/01 23 0412739849 01 08/01/01 0 0412739849 O 07/01/31 0 4975505 E22/G01 F 129,850.00 ZZ 360 129,784.42 1 9.375 1,080.03 100 9.125 1,080.03 OOLTEWAH TN 37363 1 06/15/01 23 0412744104 05 08/01/01 0 0412744104 O 07/01/31 0 4975506 E22/G01 F 87,550.00 ZZ 360 87,455.21 1 10.250 784.54 103 10.000 784.54 SPOKANE WA 99212 1 06/12/01 23 0412745465 05 08/01/01 0 0412745465 O 07/01/31 0 4976288 W09/G01 F 144,850.00 ZZ 360 144,706.94 1 9.500 1,217.98 100 9.250 1,217.98 RICHMOND KY 40475 1 06/13/01 23 0432916104 05 07/13/01 0 20016662 O 06/13/31 0 1 4977365 808/G01 F 262,792.00 ZZ 360 262,632.80 1 8.500 2,020.64 105 8.250 2,020.64 LAS VEGAS NV 89131 1 06/20/01 23 0432965606 03 08/01/01 0 9502921 O 07/01/31 0 4977491 808/G01 F 229,943.00 ZZ 360 229,807.25 1 8.625 1,788.47 107 8.375 1,788.47 ANAHEIM CA 92801 1 06/26/01 23 0432964039 05 08/01/01 0 9319441 O 07/01/31 0 4977803 F34/G01 F 131,000.00 ZZ 360 130,935.56 1 9.500 1,101.52 100 9.250 1,101.52 MEMPHIS TN 38141 1 06/25/01 23 0432991859 05 08/01/01 0 33106017 O 07/01/31 0 4977837 664/G01 F 92,700.00 ZZ 360 92,642.06 1 11.625 926.86 103 11.375 926.86 HOUSE SPRINGS MO 63051 1 05/09/01 23 0432895241 05 07/01/01 0 0008075830 O 06/01/31 0 4978150 T24/G01 F 335,350.00 ZZ 360 335,009.43 1 9.375 2,789.27 103 9.125 2,789.27 NEWBURYPORT MA 01950 1 05/30/01 23 0432904290 05 07/01/01 0 09945963 O 06/01/31 0 4978207 642/G01 F 33,250.00 ZZ 360 33,233.65 1 9.500 279.58 95 9.250 279.58 1 TUSCALOOSA AL 35401 1 06/13/01 23 0432916120 05 08/01/01 0 061301 N 07/01/31 0 4978903 N46/G01 F 79,300.00 ZZ 360 79,264.92 1 10.000 695.91 103 9.750 695.91 WINSTON SALEM NC 27107 1 06/22/01 23 0433007382 05 08/01/01 0 102694 O 07/01/31 0 4979056 964/G01 F 133,900.00 ZZ 360 133,818.88 1 8.500 1,029.58 100 8.250 1,029.58 LAS VEGAS NV 89128 1 06/21/01 23 0432961092 03 08/01/01 0 131410 O 07/01/31 0 4979301 685/G01 F 200,000.00 ZZ 360 199,884.93 2 8.750 1,573.40 100 8.500 1,573.40 LOS ANGELES CA 90026 1 06/22/01 23 0432953719 05 08/01/01 0 125956 O 07/01/31 0 4980608 N67/G01 F 76,200.00 ZZ 360 76,168.89 1 10.375 689.92 103 10.125 689.92 LEBANON IN 46052 1 06/11/01 23 0432926061 05 08/01/01 0 3250005447 O 07/01/31 0 4980996 B57/G01 F 193,000.00 ZZ 360 192,883.08 1 8.500 1,484.00 99 8.250 1,484.00 LOS ANGELES CA 91335 1 06/27/01 23 0433008364 05 08/01/01 0 2115012 O 07/01/31 0 1 4981179 U05/G01 F 110,000.00 ZZ 360 110,000.00 1 8.875 875.21 100 8.625 875.21 MIAMI FL 33156 2 07/10/01 23 0433008216 09 09/01/01 0 3143433 O 08/01/31 0 4982300 685/G01 F 214,000.00 ZZ 360 214,000.00 1 8.750 1,683.54 100 8.500 1,683.54 LOS ANGELES CA 91324 1 07/09/01 23 0433012697 05 09/01/01 0 126051 O 08/01/31 0 4982709 685/G01 F 148,000.00 ZZ 360 148,000.00 1 9.250 1,217.56 100 9.000 1,217.56 COMPTON CA 90222 1 07/02/01 23 0432992402 05 09/01/01 0 126040 O 08/01/31 0 4982976 737/G01 F 172,500.00 ZZ 360 172,500.00 1 8.750 1,357.06 100 8.500 1,357.06 MESA AZ 85201 1 07/05/01 23 0433012754 05 09/01/01 0 2028823 O 08/01/31 0 4983782 808/G01 F 255,000.00 ZZ 360 254,849.44 1 8.625 1,983.37 103 8.375 1,983.37 PLACENTIA CA 92870 1 06/19/01 23 0432963932 03 08/01/01 0 9319786 O 07/01/31 0 4984153 E22/G01 F 64,000.00 ZZ 360 63,975.25 2 1 10.625 591.42 100 10.375 591.42 CHARLESTON SC 29420 1 06/18/01 23 0412675530 05 08/01/01 0 0412675530 O 07/01/31 0 4984155 E22/G01 F 70,000.00 ZZ 360 69,965.57 1 9.500 588.60 100 9.250 588.60 SOUTH LAKE TAHO CA 96150 1 06/06/01 23 0412676058 01 08/01/01 0 0412676058 O 07/01/31 0 4984159 E22/G01 F 170,000.00 ZZ 360 169,902.19 1 8.750 1,337.39 100 8.250 1,337.39 EVERETT WA 98204 1 06/08/01 23 0412680209 01 08/01/01 0 0412680209 O 07/01/31 0 4984160 E22/G01 F 99,000.00 ZZ 360 98,945.92 1 9.000 796.58 106 8.500 796.58 STUART FL 34997 1 06/18/01 23 0412680761 09 08/01/01 0 0412680761 O 07/01/31 0 4984174 E22/G01 F 131,840.00 ZZ 360 131,775.15 1 9.500 1,108.58 103 9.250 1,108.58 MOBILE AL 36605 2 06/12/01 23 0412688954 05 08/01/01 0 0412688954 O 07/01/31 0 4984183 E22/G01 F 116,300.00 ZZ 360 116,241.27 1 9.375 967.32 103 9.125 967.32 ONTARIO CA 91764 1 06/07/01 23 0412704512 05 08/01/01 0 1 0412704512 O 07/01/31 0 4984192 E22/G01 F 132,000.00 ZZ 360 131,936.76 1 9.625 1,121.99 97 9.125 1,121.99 IVINS UT 84738 1 06/08/01 23 0412709941 05 08/01/01 0 0412709941 O 07/01/31 0 4984194 E22/G01 F 147,660.00 ZZ 360 147,568.22 1 8.375 1,122.32 107 7.875 1,122.32 SAND SPRINGS OK 74063 5 06/12/01 23 0412711285 05 08/01/01 0 0412711285 O 07/01/31 0 4984195 E22/G01 F 165,400.00 ZZ 360 165,314.25 1 9.250 1,360.71 103 9.000 1,360.71 TAOS NM 87571 1 06/18/01 23 0412711657 05 08/01/01 0 0412711657 O 07/01/31 0 4984204 E22/G01 F 27,700.00 ZZ 360 27,684.87 1 9.000 222.88 107 8.750 222.88 WEST PALM BEACH FL 33415 1 06/18/01 23 0412718991 01 08/01/01 0 0412718991 O 07/01/31 0 4984230 E22/G01 F 130,400.00 ZZ 360 128,899.82 1 9.125 1,060.98 107 8.875 1,060.98 CEDAR SPRINGS MI 49319 1 06/18/01 23 0412743379 05 08/01/01 0 0412743379 O 07/01/31 0 1 4984236 E22/G01 F 124,100.00 ZZ 360 124,037.33 1 9.375 1,032.20 104 9.125 1,032.20 COLORADO SPRING CO 80916 1 06/18/01 23 0412746893 05 08/01/01 0 0412746893 O 07/01/31 0 4984238 E22/G01 F 117,000.00 ZZ 360 116,937.74 1 9.125 951.95 104 8.875 951.95 LITTLETON CO 80122 1 06/18/01 23 0412748717 01 08/01/01 0 0412748717 O 07/01/31 0 4984609 286/G01 F 363,884.00 ZZ 360 363,685.23 1 9.000 2,927.90 104 8.750 2,927.90 ALEXANDRIA VA 22308 1 06/08/01 23 0432906741 05 08/01/01 0 0000325839 O 07/01/31 0 4985096 286/G01 F 160,500.00 ZZ 360 160,337.26 1 9.375 1,334.96 106 9.125 1,334.96 SALISBURY MD 21804 1 05/31/01 23 0432895902 03 07/01/01 0 0000385694 O 06/01/31 0 4986754 K15/G01 F 133,100.00 ZZ 360 133,044.19 1 10.250 1,192.71 98 10.000 1,192.71 NEW PHILADELPHI OH 44663 5 06/22/01 23 0432914331 05 08/01/01 0 036905302073 O 07/01/31 0 4987368 G52/G01 F 82,390.00 ZZ 360 82,314.83 1 9.875 715.43 107 9.625 715.43 1 NOGALES AZ 85621 5 05/23/01 23 0432923555 09 07/01/01 0 9700000185 O 06/01/31 0 4988168 940/G01 F 296,900.00 ZZ 360 296,761.48 1 9.750 2,550.83 100 9.500 2,550.83 RANCHO CUCAMONG CA 91701 1 06/13/01 23 0432961811 05 08/01/01 0 CP5486 O 07/01/31 0 4988208 U59/G01 F 85,100.00 ZZ 360 85,055.88 1 9.250 700.10 106 9.000 700.10 ROCKY MOUNT NC 27801 1 07/02/01 23 0432997021 05 08/02/01 0 01933800856737 O 07/02/31 0 4988328 964/G01 F 113,050.00 ZZ 360 112,991.40 1 9.250 930.03 95 9.000 930.03 SPARKS NV 89434 1 06/25/01 23 0432993343 05 08/01/01 0 131628 N 07/01/31 0 4989143 W09/G01 F 56,000.00 ZZ 180 55,955.29 1 10.500 512.26 100 10.250 512.26 COLUMBUS OH 43205 1 06/21/01 23 0432976256 05 07/21/01 0 20016706 O 06/21/16 0 4990105 967/G01 F 204,250.00 ZZ 360 204,138.44 1 9.000 1,643.44 95 8.750 1,643.44 BOISE ID 83713 1 06/21/01 04 0432984706 03 08/01/01 25 6414460 O 07/01/31 0 1 4990265 J95/G01 F 194,500.00 ZZ 360 194,399.17 1 9.250 1,600.10 104 9.000 1,600.10 GREENVILLE NC 27858 1 06/25/01 23 0433003431 05 08/01/01 0 0017970369 O 07/01/31 0 4990856 U05/G01 F 56,900.00 ZZ 360 56,871.26 1 9.375 473.27 95 9.125 473.27 YORK PA 17404 1 06/25/01 23 0432989283 05 08/01/01 0 3142835 N 07/01/31 0 4991689 470/G01 F 140,000.00 ZZ 360 139,919.44 1 8.750 1,101.39 103 8.500 1,101.39 YUBA CITY CA 95993 1 06/26/01 23 0433000643 05 08/01/01 0 18023350 O 07/01/31 0 4992257 E22/G01 F 111,500.00 ZZ 360 111,455.70 1 10.500 1,019.93 100 10.000 1,019.93 KNIGHTS LANDING CA 95645 1 06/01/01 23 0412586752 05 08/01/01 0 0412586752 O 07/01/31 0 4992263 E22/G01 F 59,500.00 ZZ 360 59,480.99 1 11.500 589.22 100 11.250 589.22 EL PASO TX 79936 1 06/14/01 23 0412631186 05 08/01/01 0 0412631186 O 07/01/31 0 4992276 E22/G01 F 183,000.00 ZZ 360 182,921.17 1 1 10.125 1,622.89 103 9.875 1,622.89 CENTERBURG OH 43011 5 06/14/01 23 0412672412 05 08/01/01 0 0412672412 O 07/01/31 0 4992294 E22/G01 F 83,000.00 ZZ 360 82,954.66 1 9.000 667.84 100 8.500 667.84 HALLANDALE FL 33009 1 06/19/01 23 0412693160 05 08/01/01 0 0412693160 O 07/01/31 0 4992296 E22/G01 F 143,700.00 ZZ 360 143,650.14 1 11.125 1,382.08 100 10.875 1,382.08 FAYETTEVILLE NC 28306 1 06/15/01 23 0412699985 05 08/01/01 0 0412699985 O 07/01/31 0 4992318 E22/G01 F 267,500.00 ZZ 360 267,350.04 1 8.875 2,128.35 107 8.375 2,128.35 MONTEBELLO CA 90640 1 06/13/01 23 0412720781 05 08/01/01 0 0412720781 O 07/01/31 0 4992322 E22/G01 F 185,000.00 ZZ 360 184,909.00 1 9.500 1,555.58 100 9.250 1,555.58 HENDERSONVILLE TN 37075 1 06/19/01 23 0412723447 05 08/01/01 0 0412723447 O 07/01/31 0 4992326 E22/G01 F 168,000.00 ZZ 360 167,941.71 1 11.125 1,615.79 100 10.625 1,615.79 ACWORTH GA 30102 1 06/19/01 23 0412730525 03 08/01/01 0 1 0412730525 O 07/01/31 0 4992339 E22/G01 F 77,000.00 ZZ 360 76,968.57 1 10.375 697.16 103 10.125 697.16 MT.CLEMENS MI 48043 1 06/19/01 23 0412748154 05 08/01/01 0 0412748154 O 07/01/31 0 4992340 E22/G01 F 266,000.00 ZZ 360 265,843.18 1 9.375 2,212.45 95 9.125 2,212.45 COLORADO SPRING CO 80921 1 06/19/01 23 0412757429 05 08/01/01 0 0412757429 O 07/01/31 0 4992664 U59/G01 F 80,237.00 ZZ 360 80,204.24 1 10.375 726.48 103 10.125 726.48 GANSEVOORT NY 12831 1 06/29/01 23 0432983484 05 08/01/01 0 01933800869943 O 07/01/31 0 4992883 J95/G01 F 92,490.00 ZZ 360 92,436.79 1 8.750 727.62 100 8.500 727.62 INDEPENDENCE MO 64055 1 06/22/01 23 0432992808 05 08/01/01 0 1 O 07/01/31 0 4992910 642/G01 F 124,100.00 ZZ 360 124,041.31 1 9.750 1,066.21 107 9.500 1,066.21 LAKE HAVASU CIT AZ 86404 5 06/08/01 23 0432907624 05 08/01/01 0 04200101 O 07/01/31 0 1 4993115 K15/G01 F 98,300.00 ZZ 360 98,251.65 1 9.500 826.56 107 9.250 826.56 LANSING MI 48906 5 06/23/01 23 0432930444 05 08/01/01 0 036305305751 O 07/01/31 0 4993581 F34/G01 F 179,000.00 ZZ 360 178,920.82 1 10.000 1,570.85 100 9.750 1,570.85 MARIETTA GA 30067 5 06/22/01 23 0433008729 05 08/01/01 0 30104052 O 07/01/31 0 4993653 M43/G01 F 366,600.00 ZZ 360 366,372.13 1 8.375 2,786.43 105 8.125 2,786.43 ALEXANDRIA VA 22315 1 06/25/01 23 0432995025 09 08/01/01 0 724827412 O 07/01/31 0 4993939 147/G01 F 167,375.00 ZZ 360 167,213.99 1 9.625 1,422.67 103 9.375 1,422.67 ORLANDO FL 32828 1 05/31/01 23 0432906600 03 07/01/01 0 1104230790 O 06/01/31 0 4994037 M43/G01 F 295,000.00 ZZ 360 294,708.63 1 9.500 2,480.53 100 9.250 2,480.53 MANASSAS VA 20109 1 05/31/01 23 0432954329 05 07/01/01 0 735196157 O 06/01/31 0 4994088 R65/G01 F 196,000.00 ZZ 360 195,779.43 1 8.875 1,559.46 100 8.625 1,559.46 1 GLENDALE AZ 85304 1 05/29/01 23 0432917888 03 07/01/01 0 20012976 O 06/01/31 0 4994099 Q64/G01 F 128,000.00 ZZ 360 127,937.03 1 9.500 1,076.30 100 9.250 1,076.30 BELMONT NC 28012 1 06/11/01 23 0433010568 05 08/01/01 0 0102035904 O 07/01/31 0 4994466 B57/G01 F 248,200.00 ZZ 360 248,200.00 1 8.500 1,908.44 102 8.250 1,908.44 SIMI VALLEY CA 93063 1 07/02/01 23 0433001823 05 09/01/01 0 2140263 O 08/01/31 0 4995130 964/G01 F 142,140.00 ZZ 360 142,053.89 1 8.500 1,092.93 103 8.250 1,092.93 HENDERSON NV 89014 1 06/15/01 23 0432990836 05 08/01/01 0 130146 O 07/01/31 0 4995366 964/G01 F 175,600.00 ZZ 360 175,498.97 1 8.750 1,381.45 103 8.500 1,381.45 LAS VEGAS NV 89141 1 06/14/01 23 0432940294 03 08/01/01 0 129133 O 07/01/31 0 4995797 J95/G01 F 240,000.00 ZZ 360 239,854.60 1 8.500 1,845.40 100 8.250 1,845.40 SILVER SPRING MD 20905 1 06/29/01 23 0433033867 05 08/01/01 0 18525154 O 07/01/31 0 1 4996035 E45/G01 F 157,262.00 ZZ 360 157,173.83 1 8.875 1,251.25 100 8.625 1,251.25 ORLANDO FL 32837 1 06/22/01 23 0432998862 03 08/01/01 0 139334 O 07/01/31 0 4996074 147/G01 F 96,193.00 ZZ 360 96,090.23 1 9.125 782.66 107 8.875 782.66 FORT MYERS FL 33908 1 05/30/01 23 0432906618 05 07/01/01 0 10421692 O 06/01/31 0 4996238 R65/G01 F 193,750.00 ZZ 360 193,558.63 1 9.500 1,629.16 95 9.250 1,629.16 LAS VEGAS NV 89123 1 05/22/01 23 0432921724 05 07/01/01 0 20012513 O 06/01/31 0 4996447 J95/G01 F 130,040.00 ZZ 360 129,961.22 1 8.500 999.90 103 8.250 999.90 NEW ATHENS IL 62264 1 06/27/01 23 0433024890 05 08/01/01 0 0027196112 O 07/01/31 0 4996628 E47/G01 F 137,600.00 ZZ 360 137,518.76 1 8.625 1,070.24 107 8.375 1,070.24 SIOUX CITY IA 51103 5 06/22/01 23 0432991719 05 08/01/01 0 4325361426 O 07/01/31 0 4996867 808/G01 F 369,500.00 ZZ 360 369,287.41 1 1 8.750 2,906.86 106 8.500 2,906.86 ENCINITAS CA 92007 1 06/22/01 23 0432989812 09 08/01/01 0 9319569 O 07/01/31 0 4997554 J95/G01 F 127,500.00 ZZ 360 127,424.72 1 8.625 991.69 100 8.375 991.69 EUGENE OR 97405 1 06/26/01 23 0433019494 03 08/01/01 0 27214089 O 07/01/31 0 4998541 B57/G01 F 190,000.00 ZZ 360 189,898.89 1 9.125 1,545.90 95 8.875 1,545.90 GARDEN GROVE CA 92843 1 06/25/01 11 0433024288 05 08/01/01 30 2114130 O 07/01/31 0 4998910 K15/G01 F 126,800.00 ZZ 360 126,761.65 1 11.750 1,279.93 102 11.500 1,279.93 STOCKTON CA 95210 5 06/26/01 23 0432997526 05 08/01/01 0 0266005303143 O 07/01/31 0 4998919 147/G01 F 120,000.00 ZZ 360 119,940.97 1 9.500 1,009.03 100 9.250 1,009.03 CHARLOTTE NC 28269 1 06/27/01 23 0433012788 05 08/01/01 0 10424829 O 07/01/31 0 4999995 U62/G01 F 70,300.00 ZZ 360 70,220.89 1 8.875 559.34 95 8.625 559.34 GREENWOOD IN 46143 1 05/23/01 23 0432911758 05 07/01/01 0 1 2001250385 N 06/01/31 0 5000255 U62/G01 F 42,225.00 ZZ 360 42,209.52 1 10.875 398.14 103 10.625 398.14 LEXINGTON TN 38351 1 06/11/01 23 0432905156 05 08/01/01 0 2001248498 O 07/01/31 0 5000685 U59/G01 F 171,093.00 ZZ 360 171,011.03 1 9.625 1,454.28 107 9.375 1,454.28 LONDONDERRY NH 03053 1 06/28/01 23 0432998342 01 08/01/01 0 800867051 O 07/01/31 0 5000843 U62/G01 F 119,480.00 ZZ 360 119,425.72 1 9.875 1,037.50 103 9.625 1,037.50 OROFINO ID 83544 2 06/12/01 23 0432906923 05 08/01/01 0 2001254029 O 07/01/31 0 5001209 E22/G01 F 146,850.00 ZZ 360 146,799.05 1 11.125 1,412.37 100 10.875 1,412.37 FONTANA CA 92337 1 06/13/01 23 0412448003 05 08/01/01 0 0412448003 O 07/01/31 0 5001230 E22/G01 F 268,000.00 ZZ 360 267,735.31 1 9.500 2,253.49 100 9.250 2,253.49 PALATINE IL 60067 1 05/18/01 23 0412641409 05 07/01/01 0 0412641409 O 06/01/31 0 1 5001249 E22/G01 F 143,380.00 ZZ 360 143,305.67 1 9.250 1,179.55 107 8.750 1,179.55 LAKE WORTH FL 33463 1 06/20/01 23 0412668915 03 08/01/01 0 0412668915 O 07/01/31 0 5001250 E22/G01 F 285,900.00 ZZ 360 285,739.72 1 8.875 2,274.75 107 8.375 2,274.75 SALINAS CA 93906 1 06/14/01 23 0412670499 05 08/01/01 0 0412670499 O 07/01/31 0 5001270 E22/G01 F 120,000.00 ZZ 360 119,936.14 1 9.125 976.36 100 8.875 976.36 AZUSA CA 91702 1 06/07/01 23 0412688574 01 08/01/01 0 0412688574 O 07/01/31 0 5001289 E22/G01 F 162,500.00 ZZ 360 162,408.90 1 8.875 1,292.92 107 8.375 1,292.92 DAYTON NV 89403 1 06/08/01 23 0412698136 03 08/01/01 0 0412698136 O 07/01/31 0 5001328 E22/G01 F 93,777.00 ZZ 360 93,725.78 1 9.000 754.55 107 8.750 754.55 SPRING TX 77381 1 06/22/01 23 0412716193 03 08/01/01 0 0412716193 O 07/01/31 0 5001331 E22/G01 F 250,000.00 ZZ 360 249,370.39 1 9.250 2,056.69 100 8.750 2,056.69 1 JUPITER FL 33477 1 06/21/01 23 0412718603 03 08/01/01 0 0412718603 O 07/01/31 0 5001346 E22/G01 F 70,000.00 ZZ 360 69,978.24 1 11.625 699.89 103 11.375 699.89 SANTA FE TX 77517 1 06/20/01 23 0412723397 05 08/01/01 0 0412723397 O 07/01/31 0 5001354 E22/G01 F 143,685.00 ZZ 360 143,629.42 1 10.625 1,327.79 103 10.375 1,327.79 FAIRFIELD CA 94533 1 06/12/01 23 0412724791 05 08/01/01 0 0412724791 O 07/01/31 0 5001365 E22/G01 F 86,450.00 ZZ 360 86,406.34 1 9.375 719.05 95 9.125 719.05 EAST POINTE MI 48021 1 06/21/01 23 0412731952 05 08/01/01 0 0412731952 N 07/01/31 0 5001371 E22/G01 F 181,000.00 ZZ 360 180,898.53 1 8.875 1,440.12 107 8.375 1,440.12 CAPE CORAL FL 33993 2 06/15/01 23 0412733198 05 08/01/01 0 0412733198 O 07/01/31 0 5001397 E22/G01 F 159,500.00 ZZ 360 159,408.23 1 8.750 1,254.79 105 8.250 1,254.79 CARSON CITY NV 89701 1 06/19/01 23 0412743312 05 08/01/01 0 0412743312 O 07/01/31 0 1 5001402 E22/G01 F 199,450.00 ZZ 360 199,356.95 1 9.750 1,713.58 100 9.250 1,713.58 ST. FRANCISVILL LA 70775 1 06/21/01 23 0412744864 05 08/01/01 0 0412744864 O 07/01/31 0 5001405 E22/G01 F 146,985.00 ZZ 360 146,893.64 1 8.375 1,117.19 100 7.875 1,117.19 SPOKANE WA 99212 1 06/20/01 23 0412747461 05 08/01/01 0 0412747461 O 07/01/31 0 5001411 E22/G01 F 147,290.00 ZZ 360 147,254.37 1 12.750 1,600.59 103 12.250 1,600.59 EDMOND OK 73013 1 06/21/01 23 0412750812 03 08/01/01 0 0412750812 O 07/01/31 0 5001425 E22/G01 F 192,500.00 ZZ 360 192,392.08 1 8.875 1,531.62 100 8.625 1,531.62 DENNIS MA 02660 1 06/22/01 23 0412758666 05 08/01/01 0 0412758666 O 07/01/31 0 5001723 808/G01 F 327,500.00 ZZ 360 327,306.64 1 8.625 2,547.27 103 8.375 2,547.27 ANAHEIM CA 92807 1 06/18/01 23 0432971240 01 08/01/01 0 9319617 O 07/01/31 0 5002065 U59/G01 F 46,000.00 ZZ 360 45,977.37 1 1 9.500 386.80 100 9.250 386.80 CORAL SPRINGS FL 33065 1 06/29/01 23 0432997054 01 08/01/01 0 800869115 O 07/01/31 0 5002452 642/G01 F 233,810.00 ZZ 360 233,719.56 1 10.625 2,160.63 103 10.375 2,160.63 SILVER SPRING MD 20904 5 06/22/01 23 0433016615 05 08/01/01 0 05052101 O 07/01/31 0 5002506 253/G01 F 253,250.00 ZZ 360 253,250.00 1 8.500 1,947.28 103 8.250 1,947.28 DENTON TX 76205 1 07/09/01 23 0433015443 05 09/01/01 0 966901 O 08/01/31 0 5002693 Q64/G01 F 110,100.00 ZZ 360 110,033.29 1 8.500 846.58 107 8.250 846.58 WEST PALM BEACH FL 33417 1 06/15/01 23 0432925543 05 08/01/01 0 0101944304 O 07/01/31 0 5003254 737/G01 F 194,650.00 ZZ 360 194,650.00 1 8.875 1,548.72 103 8.625 1,548.72 SCOTTSDALE AZ 85250 1 07/12/01 23 0433010865 05 09/01/01 0 2029060 O 08/01/31 0 5004094 E47/G01 F 203,300.00 ZZ 360 203,191.81 1 9.125 1,654.12 107 8.875 1,654.12 WESTMINSTER CO 80031 5 06/26/01 23 0432996304 05 08/01/01 0 1 4325596426 O 07/01/31 0 5004864 700/G01 F 193,200.00 ZZ 360 193,097.19 1 9.125 1,571.94 99 8.875 1,571.94 LAS VEGAS NV 89135 5 06/12/01 23 0432991792 05 08/01/01 0 00259647 O 07/01/31 0 5005138 948/G01 F 289,950.00 ZZ 360 289,803.57 1 9.375 2,411.66 100 9.125 2,411.66 SUMNER WA 98390 1 06/28/01 23 0433015518 05 08/01/01 0 60626 O 07/01/31 0 5005154 N46/G01 F 90,755.00 ZZ 360 90,755.00 1 8.875 722.09 106 8.625 722.09 STANFORD KY 40484 1 07/06/01 23 0433004272 05 09/01/01 0 102924 O 08/01/31 0 5005267 K15/G01 F 103,700.00 ZZ 360 103,667.76 1 11.625 1,036.83 103 11.375 1,036.83 GALLATIN TN 37066 5 06/26/01 23 0432943751 05 08/01/01 0 002905302214 O 07/01/31 0 5005789 561/G01 F 212,850.00 ZZ 360 212,645.23 1 9.625 1,809.21 99 9.375 1,809.21 SALISBURY MD 21804 1 06/01/01 23 0432927598 05 07/01/01 0 18609982 O 06/01/31 0 1 5006231 964/G01 F 158,000.00 ZZ 360 157,926.29 1 9.750 1,357.46 100 9.500 1,357.46 SCOTTSDALE AZ 85250 1 06/26/01 23 0432970721 09 08/01/01 0 123730 O 07/01/31 0 5006463 E47/G01 F 145,520.00 ZZ 360 145,450.28 1 9.625 1,236.91 107 9.375 1,236.91 MILWAUKIE OR 97222 1 06/25/01 23 0433019296 05 08/01/01 0 4325143426 O 07/01/31 0 5006631 U05/G01 F 210,790.00 ZZ 360 210,674.87 1 9.000 1,696.06 107 8.750 1,696.06 LOS ANGELES CA 90047 5 06/19/01 23 0433003886 05 08/01/01 0 3138724 O 07/01/31 0 5006750 S02/G01 F 222,025.00 ZZ 360 221,897.26 1 8.750 1,746.67 107 8.500 1,746.67 SUNLAND CA 91040 1 06/26/01 23 0432970598 05 08/01/01 0 01106149 O 07/01/31 0 5007644 E22/G01 F 324,500.00 ZZ 360 324,336.13 1 9.375 2,699.03 105 9.125 2,699.03 WEST HOLLYWOOD CA 90046 1 06/05/01 23 0412647737 05 08/01/01 0 0412647737 O 07/01/31 0 5007648 E22/G01 F 174,050.00 ZZ 360 173,970.93 1 9.875 1,511.36 103 9.625 1,511.36 1 SAN ANTONIO TX 78230 1 06/25/01 23 0412655532 03 08/01/01 0 0412655532 O 07/01/31 0 5007677 E22/G01 F 221,500.00 ZZ 360 221,393.88 1 9.625 1,882.73 100 9.375 1,882.73 LYNNWOOD WA 98036 1 06/06/01 23 0412700155 05 08/01/01 0 0412700155 O 07/01/31 0 5007679 E22/G01 F 107,650.00 ZZ 360 107,595.64 1 9.375 895.38 100 9.125 895.38 GREENVILLE SC 29607 1 06/20/01 23 0412704322 05 08/01/01 0 0412704322 O 07/01/31 0 5007700 E22/G01 F 48,500.00 ZZ 360 48,478.55 1 10.000 425.62 100 9.500 425.62 WEST PALM BEACH FL 33407 1 06/25/01 23 0412721656 07 08/01/01 0 0412721656 O 07/01/31 0 5007703 E22/G01 F 99,500.00 ZZ 360 99,399.72 1 8.500 765.07 107 8.000 765.07 SARASOTA FL 34233 1 06/25/01 23 0412727372 05 08/01/01 0 0412727372 O 07/01/31 0 5007715 E22/G01 F 173,400.00 ZZ 360 173,314.71 1 9.500 1,458.04 106 9.250 1,458.04 FAIRBANKS AK 99712 1 06/18/01 23 0412735953 05 08/01/01 0 0412735953 O 07/01/31 0 1 5007725 E22/G01 F 288,900.00 ZZ 360 288,724.98 1 8.500 2,221.39 107 8.000 2,221.39 SAN LEANDRO CA 94578 1 06/13/01 23 0412745093 05 08/01/01 0 0412745093 O 07/01/31 0 5007729 E22/G01 F 69,500.00 ZZ 360 69,460.01 1 8.750 546.76 107 8.250 546.76 AMARILLO TX 79106 1 06/22/01 23 0412747941 05 08/01/01 0 0412747941 O 07/01/31 0 5007737 E22/G01 F 90,500.00 ZZ 360 90,450.87 1 9.125 736.34 106 8.875 736.34 JACKSON MI 49203 1 06/25/01 23 0412752743 05 08/01/01 0 0412752743 O 07/01/31 0 5007740 E22/G01 F 193,000.00 ZZ 360 192,888.96 1 8.750 1,518.33 105 8.500 1,518.33 ANTELOPE CA 95843 1 06/20/01 23 0412754103 05 08/01/01 0 0412754103 O 07/01/31 0 5007747 E22/G01 F 255,000.00 ZZ 360 254,853.29 1 8.750 2,006.09 100 8.250 2,006.09 HOUSTON TX 77079 1 06/25/01 23 0412762676 03 08/01/01 0 0412762676 O 07/01/31 0 5007754 E22/G01 F 265,850.00 ZZ 360 265,729.22 1 1 9.875 2,308.50 100 9.625 2,308.50 AUSTIN TX 78759 1 06/25/01 23 0412771396 03 08/01/01 0 0412771396 O 07/01/31 0 5012151 737/G01 F 118,750.00 ZZ 360 118,690.03 1 9.375 987.70 95 9.125 987.70 GLENDALE AZ 85308 1 06/26/01 23 0433008232 05 08/01/01 0 2010092 N 07/01/31 0 5012400 642/G01 F 74,600.00 ZZ 360 74,568.72 1 10.250 668.49 103 10.000 668.49 TARKIO MO 64491 5 06/13/01 23 0432914968 05 08/01/01 0 05100001 O 07/01/31 0 5015266 R49/G01 F 266,770.00 ZZ 360 266,340.85 1 9.125 2,170.53 103 8.875 2,170.53 STEILACOOM WA 98388 1 04/25/01 23 0432910552 05 06/01/01 0 9708548 O 05/01/31 0 5016051 E22/G01 F 41,300.00 ZZ 360 41,199.45 1 9.625 351.05 95 9.375 351.05 CHICAGO HEIGHTS IL 60411 1 02/28/01 23 0412419541 05 04/01/01 0 0412419541 N 03/01/31 0 5016060 E22/G01 F 124,050.00 ZZ 360 123,985.69 1 9.250 1,020.53 107 8.750 1,020.53 NORTH LAS VEGAS NV 89030 1 06/15/01 23 0412639411 05 08/01/01 0 1 0412639411 O 07/01/31 0 5016069 E22/G01 F 64,200.00 ZZ 360 64,167.58 1 9.375 533.98 107 8.875 533.98 MESQUITE TX 75149 1 06/26/01 23 0412693244 09 08/01/01 0 0412693244 O 07/01/31 0 5016073 E22/G01 F 223,000.00 ZZ 360 222,916.05 1 10.750 2,081.66 100 10.250 2,081.66 OKLAHOMA CITY OK 73128 1 06/26/01 23 0412700601 05 08/01/01 0 0412700601 O 07/01/31 0 5016079 E22/G01 F 88,580.00 ZZ 360 88,541.84 1 10.125 785.55 102 9.625 785.55 FRESNO CA 93727 5 06/04/01 23 0412708190 05 08/01/01 0 0412708190 O 07/01/31 0 5016088 E22/G01 F 104,500.00 ZZ 360 104,457.34 2 10.375 946.15 103 10.125 946.15 DETROIT MI 48228 1 06/26/01 23 0412719585 05 08/01/01 0 0412719585 O 07/01/31 0 5016101 E22/G01 F 300,000.00 ZZ 360 299,831.82 1 8.875 2,386.93 102 8.375 2,386.93 SACRAMENTO CA 95822 1 06/20/01 23 0412735169 05 08/01/01 0 0412735169 O 07/01/31 0 1 5016113 E22/G01 F 78,100.00 ZZ 360 78,059.51 1 9.250 642.51 107 9.000 642.51 MUSKEGON MI 49442 1 06/26/01 23 0412748097 05 08/01/01 0 0412748097 O 07/01/31 0 5016114 E22/G01 F 267,000.00 ZZ 360 266,861.58 1 9.250 2,196.54 100 9.000 2,196.54 DANVILLE CA 94526 1 06/22/01 23 0412750786 01 08/01/01 0 0412750788 O 07/01/31 0 5016121 E22/G01 F 77,500.00 ZZ 360 77,467.50 1 10.250 694.48 100 10.000 694.48 KATY TX 77449 1 06/25/01 23 0412757155 03 08/01/01 0 0412757155 O 07/01/31 0 5016127 E22/G01 F 285,000.00 ZZ 360 284,856.07 2 9.375 2,370.49 95 9.125 2,370.49 BELLEVUE WA 98007 1 06/21/01 23 0412763575 05 08/01/01 0 0412763575 N 07/01/31 0 5016131 E22/G01 F 148,000.00 ZZ 360 147,921.24 1 9.125 1,204.18 107 8.875 1,204.18 MORETOWN VT 05660 1 06/25/01 23 0412767543 05 08/01/01 0 0412767543 O 07/01/31 0 5016139 E22/G01 F 153,500.00 ZZ 360 153,411.68 1 8.750 1,207.59 95 8.500 1,207.59 1 FRISCO TX 75035 1 06/26/01 23 0412774432 09 08/01/01 0 0412774432 N 07/01/31 0 5016454 N74/G01 F 128,400.00 ZZ 240 128,400.00 1 9.375 1,186.40 107 9.125 1,186.40 BLUE SPRINGS MO 64015 5 06/28/01 23 0432993210 05 09/01/01 0 0029063010 O 08/01/21 0 5016576 B57/G01 F 266,000.00 ZZ 360 265,846.96 1 8.750 2,092.62 100 8.500 2,092.62 SIMI VALLEY CA 93065 1 06/11/01 23 0432923399 05 08/01/01 0 2140253 O 07/01/31 0 5016780 U05/G01 F 86,000.00 ZZ 360 85,932.84 1 9.250 707.50 100 9.000 707.50 DALLAS TX 75249 1 06/12/01 23 0432908499 05 08/01/01 0 3135810 O 07/01/31 0 5017171 K15/G01 F 117,600.00 ZZ 360 117,564.43 1 11.750 1,187.07 103 11.500 1,187.07 LAS CRUCES NM 88011 5 06/16/01 23 0432903821 05 08/01/01 0 033505301574 O 07/01/31 0 5017822 642/G01 F 278,200.00 ZZ 360 278,055.78 1 9.250 2,288.68 107 9.000 2,288.68 LONG BEACH CA 90808 1 06/15/01 23 0432986420 05 08/01/01 0 05075701 O 07/01/31 0 1 5018090 664/G01 F 89,000.00 ZZ 360 88,827.39 1 9.625 756.49 100 9.375 756.49 TACOMA WA 98407 1 03/03/01 23 0432911618 05 05/01/01 0 0003774254 O 04/01/31 0 5018159 U28/G01 F 164,000.00 ZZ 360 163,905.64 1 8.750 1,290.19 100 8.500 1,290.19 ATLANTA GA 30318 1 06/15/01 23 0433001245 01 08/01/01 0 ALEXANDER153036 O 07/01/31 0 5019335 808/G01 F 131,325.00 ZZ 360 131,263.73 1 9.750 1,128.29 103 9.500 1,128.29 MODESTO CA 95356 1 06/27/01 23 0432990505 05 08/01/01 0 9422005 O 07/01/31 0 5019522 G76/G01 F 110,000.00 ZZ 360 109,947.30 1 9.625 934.99 100 9.375 934.99 DECATUR GA 30034 1 06/29/01 23 0433016870 05 08/01/01 0 133633 O 07/01/31 0 5019628 737/G01 F 108,300.00 ZZ 360 108,248.12 1 9.625 920.54 95 9.375 920.54 ROSWELL GA 30076 1 06/27/01 23 0432967156 07 08/01/01 0 2028729 O 07/01/31 0 5020232 E45/G01 F 130,000.00 ZZ 360 129,934.36 1 1 9.375 1,081.27 100 9.125 1,081.27 EVANSTON IL 60201 1 06/18/01 23 0432970705 05 08/01/01 0 142656 O 07/01/31 0 5020499 P29/G01 F 62,060.00 ZZ 180 62,027.83 1 9.250 510.55 107 9.000 510.55 WATERLOO IA 50701 1 06/29/01 23 0432992063 05 08/01/01 0 4911835 O 07/01/16 0 5021096 N46/G01 F 220,000.00 ZZ 360 220,000.00 1 8.750 1,730.74 107 8.500 1,730.74 RALEIGH NC 27617 1 07/03/01 23 0433004322 03 09/01/01 0 102695 O 08/01/31 0 5021363 K15/G01 F 84,500.00 ZZ 180 84,276.69 1 9.000 857.06 107 8.750 857.06 DAVENPORT IA 52802 5 06/26/01 23 0432990679 05 08/01/01 0 339 O 07/01/16 0 5022810 N46/G01 F 53,550.00 ZZ 360 53,550.00 1 10.000 469.94 103 9.750 469.94 CHARLOTTE NC 28208 1 07/11/01 23 0433011392 05 09/01/01 0 200631 O 08/01/31 0 5023586 964/G01 F 147,800.00 ZZ 360 147,732.85 1 9.875 1,283.42 103 9.625 1,283.42 HENDERSON NV 89015 1 06/28/01 23 0433034097 05 08/01/01 0 1 132059 O 07/01/31 0 5023957 E22/G01 F 172,000.00 ZZ 360 171,870.15 1 8.875 1,368.51 105 8.375 1,368.51 MISSION HILLS CA 91345 1 06/11/01 23 0412576985 05 08/01/01 0 0412576985 O 07/01/31 0 5023963 E22/G01 F 224,850.00 ZZ 360 224,727.19 1 9.000 1,809.19 103 8.750 1,809.19 ELK GROVE CA 95758 2 06/12/01 23 0412633141 05 08/01/01 0 0412633141 O 07/01/31 0 5023975 E22/G01 F 40,780.00 ZZ 360 40,761.48 1 9.875 354.11 103 9.625 354.11 LINDENWOLD BORO NJ 08021 1 06/27/01 23 0412689499 05 08/01/01 0 0412689499 O 07/01/31 0 5023978 E22/G01 F 106,954.00 ZZ 360 106,885.80 1 8.250 803.51 106 8.000 803.51 PLANO TX 75075 1 06/27/01 23 0412691487 01 08/01/01 0 0412691487 O 07/01/31 0 5023980 E22/G01 F 65,270.00 ZZ 360 65,237.89 1 9.500 548.83 107 9.000 548.83 HYPOLUXO FL 33462 1 06/27/01 23 0412695512 01 08/01/01 0 0412695512 O 07/01/31 0 1 5023988 E22/G01 F 102,700.00 ZZ 360 102,643.90 1 9.000 826.35 107 8.750 826.35 CINCINNATI OH 45231 1 06/27/01 23 0412704799 05 08/01/01 0 0412707499 O 07/01/31 0 5024016 E22/G01 F 137,950.00 ZZ 360 137,878.48 1 9.250 1,134.88 100 9.000 1,134.88 KENNESAW GA 30152 5 06/22/01 23 0412743627 03 08/01/01 0 0412743627 O 07/01/31 0 5024018 E22/G01 F 230,050.00 ZZ 360 229,924.35 1 9.000 1,851.03 107 8.500 1,851.03 WILSONVILLE OR 97070 1 06/22/01 23 0412745473 03 08/01/01 0 0412745473 O 07/01/31 0 5024029 E22/G01 F 130,600.00 ZZ 360 130,539.07 1 9.750 1,122.06 103 9.500 1,122.06 WEST SACRAMENTO CA 95691 1 06/20/01 23 0412752560 05 08/01/01 0 0412752560 O 07/01/31 0 5024032 E22/G01 F 47,500.00 ZZ 360 47,475.38 1 9.250 390.77 95 9.000 390.77 MEMPHIS TN 38106 1 06/27/01 23 0412755464 05 08/01/01 0 0412755464 N 07/01/31 0 5024041 E22/G01 F 105,700.00 ZZ 360 105,651.98 1 9.875 917.84 100 9.625 917.84 1 GRAND HAVEN MI 49417 1 06/27/01 23 0412764250 05 08/01/01 0 0412764250 O 07/01/31 0 5024091 E82/G01 F 150,000.00 ZZ 360 149,926.22 1 9.500 1,261.28 100 9.250 1,261.28 HIGH POINT NC 27265 1 06/26/01 23 0400450524 03 08/01/01 0 0400450524 O 07/01/31 0 5024579 M43/G01 F 338,100.00 ZZ 360 337,889.85 1 8.375 2,569.81 105 8.125 2,569.81 BURKE VA 22015 1 06/28/01 23 0433009107 05 08/01/01 0 724820263 O 07/01/31 0 5024850 K81/G01 F 85,000.00 ZZ 360 84,959.28 1 9.625 722.49 95 9.375 722.49 CORALVILLE IA 52241 1 06/29/01 23 0433007929 05 08/01/01 0 5700123 O 07/01/31 0 5025464 808/G01 F 215,000.00 ZZ 360 215,000.00 1 9.250 1,768.76 100 9.000 1,768.76 CULVER CITY CA 90230 1 07/06/01 23 0433038478 01 09/01/01 0 9320092 O 08/01/31 0 5025631 N46/G01 F 245,000.00 ZZ 360 244,935.52 1 12.375 2,591.04 100 12.125 2,591.04 CHARLOTTE NC 28277 1 06/29/01 23 0433010295 03 08/01/01 0 200623 O 07/01/31 0 1 5027866 E87/G01 F 256,265.00 ZZ 360 256,132.15 1 9.250 2,108.23 107 9.000 2,108.23 OXNARD CA 93035 1 06/26/01 23 0432931285 05 08/01/01 0 70003585 O 07/01/31 0 5028215 T17/G01 F 83,000.00 ZZ 360 82,965.60 1 10.375 751.49 100 10.125 751.49 BENSON NC 27504 1 07/02/01 23 0433035441 05 08/01/01 0 01060559 O 07/01/31 0 5028539 U35/G01 F 69,010.00 ZZ 360 68,981.06 1 10.250 618.40 103 10.000 618.40 ELK MOUND WI 54739 1 06/29/01 23 0432967347 05 08/01/01 0 1 O 07/01/31 0 5028782 U35/G01 F 121,770.00 ZZ 360 121,731.08 1 11.500 1,205.88 99 11.250 1,205.88 OSHKOSH WI 54904 1 06/29/01 23 0432980621 05 08/01/01 0 4884658 O 07/01/31 0 5029016 P87/G01 F 134,900.00 ZZ 180 134,900.00 1 9.250 1,109.79 95 9.000 1,109.79 LAKE GENEVA WI 53147 1 07/17/01 23 0433016664 05 09/01/01 0 HE31406 O 08/01/16 0 5030711 G13/G01 F 174,800.00 ZZ 360 174,726.69 1 1 10.250 1,566.39 103 10.000 1,566.39 COPPELL TX 75019 1 06/29/01 23 0432961860 03 08/01/01 0 14131 O 07/01/31 0 5030889 964/G01 F 212,930.00 ZZ 360 212,807.49 1 8.750 1,675.12 107 8.500 1,675.12 ANTELOPE CA 95843 1 06/29/01 23 0432996700 05 08/01/01 0 129375 O 07/01/31 0 5031308 G52/G01 F 125,000.00 ZZ 360 125,000.00 1 9.250 1,028.34 100 9.000 1,028.34 TUCSON AZ 85710 1 07/06/01 23 0433031630 05 09/01/01 0 9700000358 O 08/01/31 0 5032713 P48/G01 F 180,000.00 ZZ 180 179,911.46 1 9.500 1,513.54 100 9.250 1,513.54 MINNEAPOLIS MN 55412 1 06/29/01 23 0432972339 05 08/01/01 0 5030297 O 07/01/16 0 5033353 737/G01 F 72,000.00 ZZ 360 72,000.00 1 9.625 611.99 100 9.375 611.99 PHOENIX AZ 85006 1 07/05/01 23 0433002201 05 09/01/01 0 2029757 O 08/01/31 0 5033568 E82/G01 F 133,700.00 ZZ 360 133,632.48 1 9.375 1,112.05 107 9.125 1,112.05 CARMEL NY 10512 1 06/28/01 23 0400434916 01 08/01/01 0 1 0400434916 O 07/01/31 0 5033747 642/G01 F 109,180.00 ZZ 360 109,134.22 1 10.250 978.36 103 10.000 978.36 CHESAPEAKE VA 23320 1 06/22/01 23 0433018850 05 08/01/01 0 05064301 O 07/01/31 0 5033827 E22/G01 F 193,650.00 ZZ 360 192,508.55 1 9.125 1,575.60 107 8.875 1,575.60 CHULA VISTA CA 91913 1 06/19/01 23 0412668873 01 08/01/01 0 0412668873 O 07/01/31 0 5033836 E22/G01 F 21,400.00 ZZ 360 21,389.75 1 9.625 181.90 107 9.375 181.90 COVINGTON LA 70433 1 06/28/01 23 0412693889 05 08/01/01 0 0412693889 O 07/01/31 0 5033846 E22/G01 F 211,800.00 ZZ 360 211,684.31 1 9.000 1,704.19 100 8.750 1,704.19 SHAWNEE MISSION KS 66223 1 06/28/01 23 0412715302 05 08/01/01 0 0412715302 O 07/01/31 0 5033850 E22/G01 F 127,000.00 ZZ 360 126,935.87 1 9.375 1,056.32 100 8.875 1,056.32 CANOGA PARK CA 91303 1 06/26/01 23 0412716698 01 08/01/01 0 0412716698 O 07/01/31 0 1 5033852 E22/G01 F 137,450.00 ZZ 360 137,387.55 1 9.875 1,193.55 100 9.625 1,193.55 AUSTIN TX 78758 1 06/28/01 23 0412720245 05 08/01/01 0 0412720245 O 07/01/31 0 5033855 E22/G01 F 75,100.00 ZZ 360 75,068.51 1 10.250 672.97 103 10.000 672.97 CARLSBAD NM 88220 1 06/28/01 23 0412723645 05 08/01/01 0 0412723645 O 07/01/31 0 5033863 E22/G01 F 153,950.00 ZZ 360 153,885.44 2 10.250 1,379.55 100 10.000 1,379.55 CHICAGO IL 60623 1 06/28/01 23 0412730038 05 08/01/01 0 0412730038 O 07/01/31 0 5033866 E22/G01 F 100,700.00 ZZ 360 100,647.80 1 9.250 828.43 95 8.750 828.43 CRESWELL OR 97426 1 06/22/01 23 0412735649 05 08/01/01 0 0412735649 N 07/01/31 0 5033867 E22/G01 F 65,270.00 ZZ 360 65,237.04 1 9.375 542.88 107 8.875 542.88 PENSACOLA FL 32507 1 06/28/01 23 0412737645 05 08/01/01 0 0412737645 O 07/01/31 0 5033876 E22/G01 F 74,250.00 ZZ 360 74,212.51 1 9.375 617.57 100 9.125 617.57 1 STANTON IA 51573 1 06/28/01 23 0412747842 05 08/01/01 0 0412747842 O 07/01/31 0 5033881 E22/G01 F 248,955.00 ZZ 360 248,829.28 1 9.375 2,070.68 100 8.875 2,070.68 FREMONT CA 94536 1 06/25/01 23 0412754079 01 08/01/01 0 0412754079 O 07/01/31 0 5033884 E22/G01 F 219,500.00 ZZ 360 219,440.60 1 12.250 2,300.13 100 11.750 2,300.13 SOUTHGATE MI 48195 1 06/28/01 23 0412758120 05 08/01/01 0 0412758120 O 07/01/31 0 5033895 E22/G01 F 69,000.00 ZZ 360 68,965.15 1 9.375 573.91 100 8.875 573.91 DALLAS TX 75217 1 06/27/01 23 0412767725 05 08/01/01 0 0412767725 O 07/01/31 0 5033898 E22/G01 F 84,850.00 ZZ 360 84,803.66 1 9.000 682.72 100 8.500 682.72 SPRING TX 77373 1 06/22/01 23 0412768921 03 08/01/01 0 0412768921 O 07/01/31 0 5033905 E22/G01 F 183,000.00 ZZ 360 182,897.41 1 8.875 1,456.03 100 8.375 1,456.03 MEMPHIS TN 38117 1 06/28/01 23 0412774473 05 08/01/01 0 0412774473 O 07/01/31 0 1 5033911 E22/G01 F 129,780.00 ZZ 360 129,710.94 1 9.125 1,055.93 103 8.875 1,055.93 ROUND ROCK TX 78664 1 06/28/01 23 0412780876 03 08/01/01 0 0412780876 O 07/01/31 0 5033917 E22/G01 F 168,900.00 ZZ 360 168,819.09 1 9.625 1,435.63 103 9.375 1,435.63 PLANO TX 75025 1 06/28/01 23 0412788846 05 08/01/01 0 0412788846 O 07/01/31 0 5033920 N67/G01 F 50,000.00 ZZ 360 49,974.76 1 9.375 415.87 100 9.125 415.87 DILLON MT 59725 1 06/18/01 23 0432909794 05 08/01/01 0 1160004282 O 07/01/31 0 5034406 940/G01 F 171,273.00 ZZ 360 171,273.00 1 8.125 1,271.70 104 7.875 1,271.70 VICTORVILLE CA 92392 1 07/06/01 23 0432991974 03 09/01/01 0 65010202 O 08/01/31 0 5034808 W09/G01 F 28,840.00 ZZ 180 28,816.97 1 10.500 263.82 103 10.250 263.82 SPRINGFIELD OH 45505 1 06/29/01 23 0433011848 05 07/29/01 0 20016775 O 06/29/16 0 5036306 U59/G01 F 70,620.00 ZZ 360 70,582.42 1 1 9.125 574.59 107 8.875 574.59 MIAMI FL 33176 1 07/17/01 23 0433016060 01 08/17/01 0 800867453 O 07/17/31 0 5037312 G75/G01 F 79,500.00 ZZ 360 79,500.00 1 8.500 611.29 106 8.250 611.29 KNOXVILLE TN 37912 1 07/11/01 23 0433009198 05 09/01/01 0 04405759 O 08/01/31 0 5039438 N67/G01 F 135,950.00 ZZ 360 135,891.44 1 10.125 1,205.64 103 9.875 1,205.64 ST GEORGE UT 84790 1 06/15/01 23 0432909695 05 08/01/01 0 1160004404 O 07/01/31 0 5041039 642/G01 F 141,850.00 ZZ 360 141,768.39 1 8.750 1,115.93 106 8.500 1,115.93 LYNWOOD IL 60411 1 06/19/01 23 0432915015 05 08/01/01 0 04176401 O 07/01/31 0 5042226 U59/G01 F 118,900.00 ZZ 360 118,854.00 1 10.625 1,098.76 100 10.375 1,098.76 ASHEVILLE NC 28806 1 07/03/01 23 0433004595 05 08/03/01 0 800866337 O 07/03/31 0 5043873 Q64/G01 F 111,500.00 ZZ 360 111,447.98 1 9.750 957.96 100 9.500 957.96 DECATUR GA 30032 2 06/15/01 23 0432998573 05 08/01/01 0 1 0102065307 O 07/01/31 0 5043929 642/G01 F 66,150.00 ZZ 360 66,114.80 1 9.125 538.22 105 8.875 538.22 WASHINGTON IL 61571 1 06/21/01 23 0432931889 05 08/01/01 0 04140801 O 07/01/31 0 5044050 642/G01 F 81,320.00 ZZ 360 81,276.72 1 9.125 661.65 107 8.875 661.65 GRAND RAPIDS MI 49506 1 06/21/01 23 0432986495 05 08/01/01 0 05094801 O 07/01/31 0 5044054 642/G01 F 50,290.00 ZZ 360 50,263.93 1 9.250 413.72 107 9.000 413.72 MURRAY KY 42071 1 06/22/01 23 0432966026 05 08/01/01 0 06129201 O 07/01/31 0 5044106 Q64/G01 F 96,500.00 ZZ 360 96,452.53 1 9.500 811.43 100 9.250 811.43 DOUGLASVILLE GA 30135 1 06/18/01 23 0432955375 05 08/01/01 0 0102049905 O 07/01/31 0 5044429 N67/G01 F 33,250.00 ZZ 360 33,234.07 1 9.625 282.62 95 9.375 282.62 CENTER POINT TX 78010 1 06/13/01 23 0432952729 05 08/01/01 0 116000397 N 07/01/31 0 1 5047697 B28/G01 F 103,350.00 ZZ 360 103,350.00 1 9.125 840.89 107 8.875 840.89 WATERFORD CA 95386 1 07/10/01 23 0433024932 05 09/01/01 0 0106280038 O 08/01/31 0 5047964 642/G01 F 175,000.00 ZZ 180 174,558.03 1 9.500 1,827.39 105 9.250 1,827.39 BALTIMORE MD 21221 2 06/21/01 23 0432932366 05 08/01/01 0 05096301 O 07/01/16 0 5048337 642/G01 F 154,500.00 ZZ 360 154,500.00 1 10.250 1,384.48 103 10.000 1,384.48 WOODBRIDGE VA 22191 5 07/03/01 23 0433007994 05 09/01/01 0 05054101 O 08/01/31 0 5049955 U28/G01 F 158,500.00 ZZ 360 158,426.05 1 9.750 1,361.76 103 9.500 1,361.76 DALLAS GA 30132 1 07/03/01 23 0432991552 05 08/01/01 0 1 O 07/01/31 0 5050998 L16/G01 F 161,500.00 ZZ 360 161,414.05 1 9.125 1,314.02 100 8.875 1,314.02 PAYSON UT 84651 1 07/02/01 23 0432995314 05 08/01/01 0 W0106203 O 07/01/31 0 5052974 642/G01 F 68,900.00 ZZ 360 68,900.00 1 9.625 585.64 106 9.375 585.64 1 DELTA UT 84624 5 07/02/01 23 0433002532 05 09/01/01 0 06186101 O 08/01/31 0 5053299 J95/G01 F 161,100.00 ZZ 360 161,100.00 1 8.750 1,267.37 100 8.500 1,267.37 PEORIA AZ 85382 1 07/03/01 23 0433033537 05 09/01/01 0 0022705289 O 08/01/31 0 5053765 E22/G01 F 150,500.00 ZZ 360 150,421.97 2 9.250 1,238.13 100 9.000 1,238.13 CINCINNATI OH 45226 5 06/25/01 23 0412589335 05 08/01/01 0 0412589335 O 07/01/31 0 5053777 E22/G01 F 105,100.00 ZZ 360 105,041.08 1 8.875 836.22 100 8.625 836.22 CANYON LAKE CA 92587 2 06/21/01 23 0412660821 05 08/01/01 0 0412660821 O 07/01/31 0 5053789 E22/G01 F 71,050.00 ZZ 360 71,016.05 1 9.875 616.96 103 9.625 616.96 DULUTH MN 55807 1 06/29/01 23 0412672842 05 08/01/01 0 0412672842 O 07/01/31 0 5053797 E22/G01 F 83,400.00 ZZ 360 83,356.76 1 9.250 686.11 103 9.000 686.11 SOMERSWORTH NH 03878 1 06/29/01 23 0412685497 05 08/01/01 0 0412685497 O 07/01/31 0 1 5053804 E22/G01 F 188,450.00 ZZ 360 187,853.71 1 9.625 1,601.81 100 9.375 1,601.81 WILEY FORD WV 26767 1 06/29/01 23 0412691578 05 08/01/01 0 0412691578 O 07/01/31 0 5053805 E22/G01 F 44,500.00 ZZ 360 44,442.81 1 9.375 370.13 99 9.125 370.13 LIBERTY KY 42539 1 06/29/01 23 0412693210 05 08/01/01 0 0412693210 O 07/01/31 0 5053817 E22/G01 F 254,249.00 ZZ 360 254,098.89 1 8.625 1,977.52 107 8.125 1,977.52 TEMECULA CA 92591 1 06/22/01 23 0412703175 03 08/01/01 0 0412703175 O 07/01/31 0 5053822 E22/G01 F 112,500.00 ZZ 360 112,441.68 1 9.250 925.51 100 8.750 925.51 FT LAUDERDALE FL 33312 1 06/29/01 23 0412705915 05 08/01/01 0 0412705915 O 07/01/31 0 5053824 E22/G01 F 175,000.00 ZZ 360 174,906.87 1 9.125 1,423.86 103 8.875 1,423.86 HAMBURG MI 48000 1 06/29/01 23 0412707820 05 08/01/01 0 0412707820 O 07/01/31 0 5053825 E22/G01 F 131,868.00 ZZ 360 131,804.83 1 1 9.625 1,120.86 100 9.375 1,120.86 KENNEWICK WA 99336 1 06/19/01 23 0412708323 03 08/01/01 0 0412708323 O 07/01/31 0 5053826 E22/G01 F 153,000.00 ZZ 360 152,916.43 1 9.000 1,231.07 100 8.500 1,231.07 RANCHO CUCAMONG CA 91730 1 06/25/01 23 0412709172 09 08/01/01 0 0412709172 O 07/01/31 0 5053831 E22/G01 F 105,500.00 ZZ 360 105,448.11 1 9.500 887.10 105 9.000 887.10 NASHVILLE TN 37211 1 06/29/01 23 0412711806 01 08/01/01 0 0412711806 O 07/01/31 0 5053834 E22/G01 F 133,900.00 ZZ 360 133,865.73 1 12.500 1,429.06 103 12.000 1,429.06 SACRAMENTO CA 95827 1 06/28/01 23 0412713737 05 08/01/01 0 0412713737 O 07/01/31 0 5053844 E22/G01 F 35,050.00 ZZ 360 35,031.83 1 9.250 288.35 95 8.750 288.35 SOUTH BEND IN 46619 1 06/29/01 23 0412719981 05 08/01/01 0 0412719981 N 07/01/31 0 5053847 E22/G01 F 247,200.00 ZZ 360 247,061.42 1 8.875 1,966.83 103 8.625 1,966.83 ALISO VIEJO ARE CA 92656 1 06/27/01 23 0412721938 01 08/01/01 0 1 0412721938 O 07/01/31 0 5053874 E22/G01 F 121,540.00 ZZ 360 121,471.86 1 8.875 967.03 103 8.625 967.03 STOCKTON CA 95206 1 06/16/01 23 0412740458 05 08/01/01 0 0412740458 O 07/01/31 0 5053887 E22/G01 F 91,100.00 ZZ 360 91,074.65 1 12.125 945.84 103 11.625 945.84 LOUISVILLE KY 40219 1 06/29/01 23 0412747446 05 08/01/01 0 0412747446 O 07/01/31 0 5053891 E22/G01 F 164,800.00 ZZ 360 164,714.56 1 9.250 1,355.77 103 9.000 1,355.77 NEWARK DE 19702 1 06/29/01 23 0412748691 05 08/01/01 0 0412748691 O 07/01/31 0 5053895 E22/G01 F 112,350.00 ZZ 360 112,294.74 1 9.500 944.70 107 9.000 944.70 MIRAMAR FL 33023 1 06/29/01 23 0412749244 05 08/01/01 0 0412749244 O 07/01/31 0 5053907 E22/G01 F 140,000.00 ZZ 360 139,929.30 1 9.375 1,164.45 100 9.125 1,164.45 WATERFORD MI 48328 1 06/29/01 23 0412752339 05 08/01/01 0 0412752339 O 07/01/31 0 1 5053917 E22/G01 F 163,980.00 ZZ 360 163,907.46 1 10.000 1,439.04 100 9.750 1,439.04 CYPRESS CA 90630 1 06/22/01 23 0412756520 01 08/01/01 0 0412756520 O 07/01/31 0 5053927 E22/G01 F 157,500.00 ZZ 360 157,451.03 1 11.625 1,574.75 103 11.125 1,574.75 LAFAYETTE LA 70508 1 06/29/01 23 0412759797 05 08/01/01 0 0412759797 O 07/01/31 0 5053938 E22/G01 F 77,250.00 ZZ 360 77,222.46 1 11.000 735.67 103 10.750 735.67 ATHENS TN 37303 1 06/29/01 23 0412764151 05 08/01/01 0 0412764151 O 07/01/31 0 5053939 E22/G01 F 92,999.00 ZZ 360 92,948.20 1 9.000 748.29 100 8.750 748.29 DALLAS TX 75228 1 06/26/01 23 0412764425 05 08/01/01 0 0412764425 O 07/01/31 0 5053941 E22/G01 F 252,000.00 ZZ 360 251,858.72 1 8.875 2,005.03 100 8.375 2,005.03 IRVINE CA 92606 1 06/26/01 23 0412764839 01 08/01/01 0 0412764839 O 07/01/31 0 5053945 E22/G01 F 155,000.00 ZZ 360 154,913.10 1 8.875 1,233.25 100 8.625 1,233.25 1 SPRING LAKE PAR MN 55432 1 06/29/01 23 0412766750 05 08/01/01 0 0412766750 O 07/01/31 0 5053948 E22/G01 F 37,450.00 ZZ 360 37,431.58 1 9.500 314.90 107 9.250 314.90 REESE OH 43207 1 06/29/01 23 0412769317 05 08/01/01 0 0412769317 O 07/01/31 0 5053951 E22/G01 F 160,565.00 ZZ 360 160,477.30 1 9.000 1,291.94 103 8.750 1,291.94 HOT SULPHUR SPR CO 80451 1 06/29/01 23 0412771065 05 08/01/01 0 0412771065 O 07/01/31 0 5053959 E22/G01 F 149,500.00 ZZ 360 149,424.50 1 9.375 1,243.47 100 8.875 1,243.47 FORT PIERCE FL 34951 1 06/29/01 23 0412774341 03 08/01/01 0 0412774341 O 07/01/31 0 5053960 E22/G01 F 202,400.00 ZZ 360 202,289.44 1 9.000 1,628.56 100 8.750 1,628.56 LOMBARD IL 60148 1 06/29/01 23 0412774747 05 08/01/01 0 0412774747 O 07/01/31 0 5053961 E22/G01 F 113,050.00 ZZ 360 112,992.91 2 9.375 940.29 95 9.125 940.29 ROWLETT TX 75088 1 06/29/01 23 0412775041 05 08/01/01 0 0412775041 N 07/01/31 0 1 5053962 E22/G01 F 185,400.00 ZZ 360 185,306.38 1 9.375 1,542.06 103 9.125 1,542.06 ANN ARBOR MI 48108 1 06/29/01 23 0412775181 05 08/01/01 0 0412775181 O 07/01/31 0 5053967 E22/G01 F 144,450.00 ZZ 360 144,375.12 1 9.250 1,188.35 107 8.750 1,188.35 BENTONVILLE AR 72712 1 06/29/01 23 0412777112 05 08/01/01 0 0412777112 O 07/01/31 0 5053971 E22/G01 F 144,200.00 ZZ 360 144,157.58 1 11.875 1,469.40 103 11.625 1,469.40 DESOTO TX 75115 1 06/29/01 23 0412777856 05 08/01/01 0 0412777856 O 07/01/31 0 5053972 E22/G01 F 79,310.00 ZZ 360 79,272.00 1 9.625 674.13 103 9.125 674.13 PORT ST. LUCIE FL 34983 1 06/29/01 23 0412778698 05 08/01/01 0 0412778698 O 07/01/31 0 5053975 E22/G01 F 101,650.00 ZZ 360 101,597.30 1 9.250 836.25 107 9.000 836.25 SUNRISE FL 33351 1 06/29/01 23 0412779282 09 08/01/01 0 0412779282 O 07/01/31 0 5053979 E22/G01 F 96,664.00 ZZ 360 96,519.45 1 1 9.375 804.00 107 8.875 804.00 CONROE TX 77385 1 06/29/01 23 0412781833 05 08/01/01 0 0412781833 O 07/01/31 0 5053984 E22/G01 F 180,000.00 ZZ 360 179,906.68 1 9.250 1,480.82 100 8.750 1,480.82 DELRAY BEACH FL 33445 1 06/29/01 23 0412785495 03 08/01/01 0 0412785495 O 07/01/31 0 5053997 E22/G01 F 285,654.00 ZZ 360 285,509.74 1 9.375 2,375.93 100 9.125 2,375.93 LONGMONT CO 80501 1 06/29/01 23 0412791881 03 08/01/01 0 0412791881 O 07/01/31 0 5053998 E22/G01 F 82,000.00 ZZ 360 81,957.49 1 9.250 674.59 100 9.000 674.59 TAMPA FL 33603 1 06/29/01 23 0412793226 05 08/01/01 0 0412793226 O 07/01/31 0 5054000 E22/G01 F 49,000.00 ZZ 360 48,974.60 1 9.250 403.11 100 9.000 403.11 SCOTTSBORO AL 35768 1 06/29/01 23 0412795825 05 08/01/01 0 0412795825 O 07/01/31 0 5054745 U45/G01 F 88,000.00 ZZ 360 87,954.38 1 9.250 723.95 100 9.000 723.95 SPANISH FORK UT 84660 1 06/22/01 23 0432991438 05 08/01/01 0 1 6116010423 O 07/01/31 0 5056971 642/G01 F 50,290.00 ZZ 360 50,290.00 1 8.750 395.63 107 8.500 395.63 NEW CASTLE PA 16101 1 07/11/01 23 0432999035 05 09/01/01 0 06143801 O 08/01/31 0 5057467 T17/G01 F 78,000.00 ZZ 360 77,832.40 1 10.250 698.96 100 10.000 698.96 BENSON NC 27504 1 06/13/01 23 0432985554 05 07/12/01 0 01040630 O 06/12/31 0 5058964 U59/G01 F 161,500.00 ZZ 360 161,407.07 1 8.750 1,270.53 95 8.500 1,270.53 FORT MYERS BEAC FL 33931 1 07/13/01 23 0433004256 05 08/13/01 0 800872632 O 07/13/31 0 5059141 642/G01 F 42,800.00 ZZ 360 42,778.94 1 9.500 359.89 107 9.250 359.89 RENSSELAER IN 47978 1 06/26/01 23 0432982536 05 08/01/01 0 05018301 O 07/01/31 0 5059525 964/G01 F 163,200.00 ZZ 360 163,200.00 1 8.500 1,254.87 106 8.250 1,254.87 SPARKS NV 89436 5 07/06/01 23 0433016185 05 09/01/01 0 129306 O 08/01/31 0 1 5061171 964/G01 F 157,500.00 ZZ 360 157,500.00 1 9.250 1,295.71 100 9.000 1,295.71 LAS VEGAS NV 89123 1 07/05/01 23 0432990943 03 09/01/01 0 133742 O 08/01/31 0 5061841 E22/G01 F 72,615.00 ZZ 360 72,584.55 1 10.250 650.70 103 9.750 650.70 WINTER HAVEN FL 33881 5 06/27/01 23 0412623019 05 08/01/01 0 0412623019 O 07/01/31 0 5061867 E22/G01 F 128,400.00 ZZ 360 128,329.86 1 9.000 1,033.14 107 8.750 1,033.14 NORMAN OK 73072 9 06/27/01 23 0412726192 05 08/01/01 0 0412726192 O 07/01/31 0 5061869 E22/G01 F 132,300.00 ZZ 360 132,234.93 1 9.500 1,112.45 104 9.000 1,112.45 MIAMI FL 33055 2 06/26/01 23 0412727232 03 08/01/01 0 0412727232 O 07/01/31 0 5061879 E22/G01 F 194,000.00 ZZ 360 193,948.95 1 12.375 2,051.68 100 11.875 2,051.68 WASHINGTON TWP MI 48094 1 07/02/01 23 0412744559 01 08/01/01 0 0412744559 O 07/01/31 0 5061885 E22/G01 F 82,440.00 ZZ 360 82,405.43 1 10.250 738.75 100 10.000 738.75 1 DELRAY BEACH FL 33384 1 07/02/01 23 0412747198 09 08/01/01 0 0412747198 O 07/01/31 0 5061903 E22/G01 F 62,700.00 ZZ 360 62,669.97 1 9.625 532.94 95 9.375 532.94 JOLIET IL 60435 1 07/02/01 23 0412759177 05 08/01/01 0 0412759177 N 07/01/31 0 5061904 E22/G01 F 164,800.00 ZZ 360 164,721.05 1 9.625 1,400.78 103 9.125 1,400.78 OKLAHOMA CITY OK 73162 2 06/26/01 23 0412759508 03 08/01/01 0 0412759508 O 07/01/31 0 5061912 E22/G01 F 89,500.00 ZZ 360 89,454.80 1 9.375 744.42 95 9.125 744.42 FORT WASHINGTON MD 20744 1 07/02/01 23 0412767550 01 08/01/01 0 0412767550 N 07/01/31 0 5062110 S02/G01 F 193,050.00 ZZ 360 192,947.26 2 9.125 1,570.72 99 8.875 1,570.72 LOS ANGELES CA 90003 1 06/21/01 23 0432993244 05 08/01/01 0 01106112 O 07/01/31 0 5062185 642/G01 F 150,000.00 ZZ 360 149,924.26 1 9.375 1,247.62 100 9.125 1,247.62 SACRAMENTO CA 95828 1 06/26/01 23 0432969798 05 08/01/01 0 03102801 O 07/01/31 0 1 5062363 N46/G01 F 79,180.00 ZZ 360 79,137.87 1 9.125 644.23 107 8.875 644.23 GREENVILLE SC 29607 5 06/19/01 23 0433012028 05 08/01/01 0 102509 O 07/01/31 0 5062443 K15/G01 F 49,900.00 ZZ 360 49,900.00 1 12.750 542.26 103 12.500 542.26 DESLOGE MO 63601 5 07/12/01 23 0433003175 05 09/01/01 0 002750005306813 O 08/01/31 0 5062445 K15/G01 F 77,200.00 ZZ 360 77,166.75 1 10.125 684.63 103 9.875 684.63 RICHMOND IN 47374 5 06/26/01 23 0432932697 05 08/01/01 0 033705302766 O 07/01/31 0 5062732 K15/G01 F 135,500.00 ZZ 360 135,444.68 1 10.375 1,226.83 103 10.125 1,226.83 CRYSTAL MN 55422 2 06/26/01 23 0432965481 05 08/01/01 0 013205304358 O 07/01/31 0 5062919 642/G01 F 74,900.00 ZZ 360 74,860.14 1 9.125 609.41 107 8.875 609.41 CAPE CORAL FL 33909 5 06/21/01 23 0432929909 05 08/01/01 0 05104801 O 07/01/31 0 5063923 642/G01 F 104,218.00 ZZ 360 104,163.97 1 1 9.250 857.38 107 9.000 857.38 MURRELLS INLET SC 29576 1 06/29/01 23 0432970630 05 08/01/01 0 02134201 O 07/01/31 0 5064155 U35/G01 F 92,700.00 ZZ 360 92,700.00 1 11.625 926.85 103 11.375 926.85 NEENAH WI 54956 5 07/06/01 23 0432993384 05 09/01/01 0 5026007 O 08/01/31 0 5064380 U28/G01 F 112,850.00 ZZ 360 112,850.00 1 9.125 918.18 107 8.875 918.18 SWAINSBORO GA 30401 5 07/09/01 23 0433001724 05 09/01/01 0 THOMPSON O 08/01/31 0 5064392 624/G01 F 244,110.00 ZZ 360 244,110.00 1 8.500 1,876.99 103 8.250 1,876.99 CORONA CA 92880 1 07/02/01 23 0432994903 05 09/01/01 0 3210021433F O 08/01/31 0 5064553 642/G01 F 249,989.00 ZZ 360 249,884.17 1 10.250 2,240.15 100 10.000 2,240.15 FREEPORT NY 11520 5 06/26/01 23 0432969582 05 08/01/01 0 04133301 O 07/01/31 0 5064555 U59/G01 F 400,000.00 ZZ 360 399,572.64 1 9.125 3,254.54 104 8.875 3,254.54 WASHINGTON DC 20016 1 06/22/01 23 0432944213 05 07/22/01 0 1 800844961 O 06/22/31 0 5065394 U28/G01 F 299,950.00 ZZ 360 299,950.00 1 9.500 2,522.14 100 9.250 2,522.14 KENNESAW GA 30152 1 07/13/01 23 0433031234 05 09/01/01 0 OSBORNE O 08/01/31 0 5065733 642/G01 F 187,250.00 ZZ 360 187,145.02 1 8.875 1,489.85 107 8.625 1,489.85 RIPON CA 95366 5 06/25/01 23 0432974863 05 08/01/01 0 06152001 O 07/01/31 0 5068833 E22/G01 F 131,850.00 ZZ 360 131,790.10 1 9.875 1,144.92 100 9.625 1,144.92 WILMINGTON NC 28409 1 07/03/01 23 0412722555 05 08/01/01 0 0412722555 O 07/01/31 0 5068834 E22/G01 F 88,950.00 ZZ 360 88,950.00 1 8.875 707.73 107 8.375 707.73 DALLAS TX 75240 1 07/03/01 23 0412723207 01 09/01/01 0 0412723207 O 08/01/31 0 5068842 E22/G01 F 205,500.00 ZZ 360 205,396.23 1 9.375 1,709.24 100 9.125 1,709.24 MISSION HILLS CA 91345 1 06/14/01 23 0412736126 05 08/01/01 0 0412736126 O 07/01/31 0 1 5068843 E22/G01 F 137,750.00 ZZ 360 137,750.00 1 8.875 1,096.00 95 8.625 1,096.00 BOZEMAN MT 59718 1 07/03/01 23 0412736332 05 09/01/01 0 0412736332 O 08/01/31 0 5068884 E22/G01 F 85,600.00 ZZ 360 85,554.45 1 9.125 696.47 107 8.875 696.47 SAINT PETERSBUR FL 33703 1 07/03/01 23 0412779399 05 08/01/01 0 0412779399 O 07/01/31 0 5068886 E22/G01 F 111,100.00 ZZ 360 111,049.52 1 9.875 964.74 103 9.625 964.74 SOUTHFIELD MI 48075 1 07/03/01 23 0412782195 05 08/01/01 0 0412782195 O 07/01/31 0 5068887 E22/G01 F 159,400.00 ZZ 360 159,305.89 1 8.625 1,239.80 107 8.125 1,239.80 RICHLAND WA 99352 1 06/26/01 23 0412784589 03 08/01/01 0 0412784589 O 07/01/31 0 5068891 E22/G01 F 160,650.00 ZZ 360 160,555.15 1 8.625 1,249.52 103 8.125 1,249.52 MODESTO CA 95356 1 06/29/01 23 0412787939 05 08/01/01 0 0412787939 O 07/01/31 0 5069341 642/G01 F 91,670.00 ZZ 360 91,629.45 1 10.000 804.47 103 9.750 804.47 1 ASHLAND NE 68003 1 06/27/01 23 0432985083 05 08/01/01 0 05080801 O 07/01/31 0 5070850 642/G01 F 78,600.00 ZZ 360 78,600.00 1 9.375 653.75 100 9.125 653.75 NORTH MIAMI BEA FL 33162 1 07/02/01 23 0432983252 05 09/01/01 0 06136001 O 08/01/31 0 5070926 737/G01 F 133,395.00 ZZ 360 133,395.00 1 9.875 1,158.33 104 9.625 1,158.33 BLACKSBURG VA 24060 1 07/09/01 23 0432999894 03 09/01/01 0 0001779891 O 08/01/31 0 5071280 642/G01 F 192,400.00 ZZ 360 192,305.37 1 9.500 1,617.80 104 9.250 1,617.80 WOODSTOCK GA 30189 1 06/27/01 23 0433013760 03 08/01/01 0 05012801 O 07/01/31 0 5073134 K15/G01 F 112,300.00 ZZ 360 112,300.00 1 9.375 934.05 107 9.125 934.05 HILTON NY 14468 5 07/10/01 23 0432997864 05 09/01/01 0 027205304975 O 08/01/31 0 5077378 E22/G01 F 158,000.00 ZZ 360 157,924.30 1 9.625 1,342.99 100 9.125 1,342.99 MIAMI FL 33145 1 06/08/01 23 0412707291 05 08/01/01 0 0412707291 O 07/01/31 0 1 5077386 E22/G01 F 128,750.00 ZZ 360 128,697.44 1 10.375 1,165.71 103 10.125 1,165.71 WHITE LAKE MI 48386 1 07/05/01 23 0412728255 05 08/01/01 0 0412728255 O 07/01/31 0 5077403 E22/G01 F 293,550.00 ZZ 360 293,550.00 1 10.250 2,630.51 103 10.000 2,630.51 CASTRO VALLEY CA 94546 1 06/27/01 23 0412748147 05 09/01/01 0 0412748147 O 08/01/31 0 5077408 E22/G01 F 87,000.00 ZZ 360 86,956.07 1 9.375 723.62 100 9.125 723.62 COLORADO SPRING CO 80906 1 07/05/01 23 0412752057 05 08/01/01 0 0412752057 O 07/01/31 0 5077416 E22/G01 F 78,110.00 ZZ 360 78,067.34 1 9.000 628.49 107 8.500 628.49 NORTH MIAMI BEA FL 33162 1 07/05/01 23 0412762114 07 08/01/01 0 0412762114 O 07/01/31 0 5077441 E22/G01 F 159,635.00 ZZ 360 159,547.80 1 9.000 1,284.46 103 8.750 1,284.46 OCALA FL 34482 1 07/05/01 23 0412782336 05 08/01/01 0 0412782336 O 07/01/31 0 5077445 E22/G01 F 252,850.00 ZZ 360 252,704.53 1 1 8.750 1,989.17 103 8.500 1,989.17 GREENFIELD CA 93927 1 06/27/01 23 0412783656 05 08/01/01 0 0412783656 O 07/01/31 0 5077447 E22/G01 F 84,530.00 ZZ 360 84,487.31 1 9.375 703.08 107 9.125 703.08 GLADSTONE MO 64118 9 06/29/01 23 0412783839 05 08/01/01 0 0412783839 O 07/01/31 0 5077448 E22/G01 F 172,000.00 ZZ 360 171,910.83 1 9.250 1,415.00 100 8.750 1,415.00 CANOGA PARK CA 91305 1 06/29/01 23 0412784498 01 08/01/01 0 0412784498 O 07/01/31 0 5077451 E22/G01 F 185,645.00 ZZ 360 185,645.00 1 9.000 1,493.74 107 8.500 1,493.74 SACRAMENTO CA 95828 1 07/02/01 23 0412790750 05 09/01/01 0 0412790750 O 08/01/31 0 5077454 E22/G01 F 192,610.00 ZZ 360 192,544.97 1 11.250 1,870.75 103 10.750 1,870.75 SPRING TX 77389 1 07/05/01 23 0412793242 03 08/01/01 0 0412793242 O 07/01/31 0 5077456 E22/G01 F 53,350.00 ZZ 360 53,320.86 1 9.000 429.27 107 8.750 429.27 KANSAS CITY MO 64132 1 07/03/01 23 0412796039 05 08/01/01 0 1 0412796039 O 07/01/31 0 5077738 642/G01 F 238,000.00 ZZ 360 238,000.00 1 8.500 1,830.01 106 8.250 1,830.01 HUGHESVILLE MD 20637 1 07/11/01 23 0432998565 05 09/01/01 0 06198701 O 08/01/31 0 5078695 Q64/G01 F 102,720.00 ZZ 360 102,672.07 1 9.750 882.53 107 9.500 882.53 NASHVILLE TN 37210 2 06/21/01 23 0432996262 05 08/01/01 0 2055603 O 07/01/31 0 5078790 642/G01 F 286,750.00 ZZ 360 286,597.40 1 9.125 2,333.09 107 8.875 2,333.09 MILFORD MI 48381 2 06/19/01 23 0432976454 05 08/01/01 0 05033101 O 07/01/31 0 5078881 Q64/G01 F 156,500.00 ZZ 360 156,423.02 1 9.500 1,315.94 100 9.250 1,315.94 MARIETTA GA 30067 1 06/26/01 23 0433016938 05 08/01/01 0 0102107604 O 07/01/31 0 5079108 Q64/G01 F 65,250.00 ZZ 360 65,217.90 1 9.500 548.66 107 9.250 548.66 LITHONIA GA 30058 1 06/28/01 23 0432996338 01 08/01/01 0 02090800 O 07/01/31 0 1 5079228 U35/G01 F 132,000.00 ZZ 360 132,000.00 1 10.125 1,170.61 100 9.875 1,170.61 OSHKOSH WI 54904 1 07/13/01 23 0432998607 05 09/01/01 0 FONTAINE O 08/01/31 0 5079372 642/G01 F 131,000.00 ZZ 360 131,000.00 1 9.625 1,113.49 100 9.375 1,113.49 MIAMI FL 33161 1 07/13/01 23 0432999365 05 09/01/01 0 06128601 O 08/01/31 0 5079754 642/G01 F 157,825.00 ZZ 360 157,825.00 1 8.375 1,199.58 107 8.125 1,199.58 CONYERS GA 30094 1 07/17/01 23 0433007002 05 09/01/01 0 06101201 O 08/01/31 0 5082111 U62/G01 F 218,150.00 ZZ 360 218,007.30 1 8.125 1,619.76 107 7.875 1,619.76 ROOTSTOWN OH 44272 5 06/25/01 23 0433013398 05 08/01/01 0 2001257684 O 07/01/31 0 5082451 642/G01 F 100,580.00 ZZ 360 100,529.21 1 9.375 836.57 107 9.125 836.57 AKRON OH 44301 2 06/25/01 23 0432999852 05 08/01/01 0 06113201 O 07/01/31 0 5084801 642/G01 F 69,550.00 ZZ 360 69,550.00 1 9.500 584.81 107 9.250 584.81 1 SEAFORD DE 19973 1 07/11/01 23 0433013075 05 09/01/01 0 05001701 O 08/01/31 0 5085723 U05/G01 F 115,000.00 ZZ 360 115,000.00 1 9.000 925.32 100 8.750 925.32 MIDDLETOWN DE 19709 1 07/18/01 23 0433006699 05 09/01/01 0 3148883 O 08/01/31 0 5087433 E22/G01 F 196,765.00 ZZ 360 196,707.11 1 11.875 2,005.04 95 11.625 2,005.04 PEMBROKE PINES FL 33029 1 06/25/01 23 0412740987 03 08/01/01 0 0412740987 O 07/01/31 0 5087442 E22/G01 F 82,900.00 ZZ 360 82,867.06 1 10.500 758.32 103 10.250 758.32 KALAMAZOO MI 49001 1 07/06/01 23 0412758989 05 08/01/01 0 0412758989 O 07/01/31 0 5087446 E22/G01 F 83,000.00 ZZ 360 82,956.97 1 9.250 682.82 100 8.750 682.82 ORLANDO FL 32837 1 07/06/01 23 0412762395 09 08/01/01 0 0412762395 O 07/01/31 0 5087459 E22/G01 F 164,500.00 ZZ 360 164,407.77 1 8.875 1,308.84 100 8.625 1,308.84 KANNAPOLIS NC 28081 1 07/06/01 23 0412777062 05 08/01/01 0 0412777062 O 07/01/31 0 1 5087460 E22/G01 F 242,850.00 ZZ 360 242,850.00 1 8.875 1,932.22 100 8.375 1,932.22 MEMPHIS TN 38018 1 07/06/01 23 0412779076 03 09/01/01 0 0412779076 O 08/01/31 0 5087466 E22/G01 F 129,470.00 ZZ 360 129,470.00 1 8.750 1,018.54 107 8.500 1,018.54 POLLOCK PINES CA 95726 1 07/03/01 23 0412786402 05 09/01/01 0 0412786402 O 08/01/31 0 5087469 E22/G01 F 148,700.00 ZZ 360 148,614.45 1 8.750 1,169.82 107 8.250 1,169.82 DELRAY BCH FL 33484 1 07/06/01 23 0412790099 05 08/01/01 0 0412790099 O 07/01/31 0 5087471 E22/G01 F 135,000.00 ZZ 360 135,000.00 1 9.125 1,098.40 100 8.625 1,098.40 MILWAUKIE OR 97222 1 06/29/01 23 0412791964 05 09/01/01 0 0412791964 O 08/01/31 0 5087472 E22/G01 F 298,700.00 ZZ 360 298,700.00 1 9.375 2,484.44 95 9.125 2,484.44 WESTMINISTER CO 80021 1 07/06/01 23 0412794315 03 09/01/01 0 0412794315 N 08/01/31 0 5087474 E22/G01 F 92,700.00 ZZ 360 92,700.00 1 1 10.250 830.69 103 10.000 830.69 WARREN MI 48091 1 07/06/01 23 0412795346 05 09/01/01 0 0412795346 O 08/01/31 0 5087475 E22/G01 F 116,200.00 ZZ 360 116,141.32 1 9.375 966.49 103 9.125 966.49 FAIRFAX VA 22152 1 07/06/01 23 0412795551 01 08/01/01 0 0412795551 O 07/01/31 0 5087479 E22/G01 F 92,900.00 ZZ 360 92,900.00 2 9.375 772.70 100 9.125 772.70 DELAWARE OH 43015 1 07/06/01 23 0412803892 05 09/01/01 0 0412803892 O 08/01/31 0 5087481 E22/G01 F 144,950.00 ZZ 360 144,950.00 1 9.625 1,232.06 100 9.375 1,232.06 FARMINGTON MI 48336 1 07/06/01 23 0412815052 05 09/01/01 0 0412815052 O 08/01/31 0 5088102 N67/G01 F 197,250.00 ZZ 360 197,142.26 1 9.000 1,587.12 104 8.750 1,587.12 LITTLETON CO 80122 1 06/25/01 23 0432994861 09 08/01/01 0 1380002915 O 07/01/31 0 5088207 U35/G01 F 135,960.00 ZZ 360 135,960.00 1 11.750 1,372.39 103 11.500 1,372.39 KAUKAUNA WI 54130 5 07/11/01 23 0432996510 05 09/01/01 0 1 MICKE O 08/01/31 0 5091339 F34/G01 F 85,000.00 ZZ 360 85,000.00 1 9.250 699.27 107 9.000 699.27 LEHIGH ACRES FL 33971 1 07/12/01 23 0433018975 05 09/01/01 0 33107000 O 08/01/31 0 5092068 642/G01 F 42,800.00 ZZ 180 42,685.61 1 8.875 430.93 107 8.625 430.93 DUNMORE PA 18512 1 06/28/01 23 0432991750 05 08/01/01 0 06132701 O 07/01/16 0 5093545 E47/G01 F 45,835.00 ZZ 360 45,835.00 1 10.625 423.57 103 10.375 423.57 GREENVILLE TX 75401 1 07/12/01 23 0433038288 05 09/01/01 0 4325798426 O 08/01/31 0 5094638 U05/G01 F 128,500.00 ZZ 360 128,500.00 1 9.250 1,057.14 100 9.000 1,057.14 PHOENIX AZ 85032 1 07/13/01 23 0433008273 05 09/01/01 0 3150094 O 08/01/31 0 5095895 E87/G01 F 219,000.00 ZZ 360 219,000.00 1 9.125 1,781.86 100 8.875 1,781.86 SUN VALLEY CA 91352 1 07/12/01 23 0433016417 05 09/01/01 0 70003616 O 08/01/31 0 1 5096790 Q78/G01 F 286,107.00 ZZ 360 285,958.36 1 9.240 2,351.66 107 8.990 2,351.66 WESTMINSTER CO 80021 1 06/27/01 23 0433020054 01 08/01/01 0 686748 O 07/01/31 0 5097211 Q78/G01 F 109,600.00 ZZ 360 109,541.67 1 9.125 891.75 106 8.875 891.75 LAWRENCEVILLE GA 30044 1 06/28/01 23 0432991875 05 08/01/01 0 689436 O 07/01/31 0 5097228 E22/G01 F 229,120.00 ZZ 360 228,991.55 1 8.875 1,822.98 107 8.625 1,822.98 WHITTIER CA 90604 1 06/20/01 23 0412702243 05 08/01/01 0 0412702243 O 07/01/31 0 5097256 E22/G01 F 132,150.00 ZZ 360 132,081.49 1 9.250 1,087.17 100 8.750 1,087.17 SOUTH LAKE TAHO CA 96150 1 06/25/01 23 0412745895 05 08/01/01 0 0412745895 O 07/01/31 0 5097298 E22/G01 F 64,400.00 ZZ 360 64,364.82 1 9.000 518.18 100 8.500 518.18 HOUSTON TX 77048 1 07/09/01 23 0412783557 05 08/01/01 0 0412783557 O 07/01/31 0 5097299 E22/G01 F 211,400.00 ZZ 360 211,400.00 1 10.375 1,914.03 100 10.125 1,914.03 1 FARMINGTON HILL MI 48334 1 07/09/01 23 0412785115 05 09/01/01 0 0412785115 O 08/01/31 0 5097305 E22/G01 F 206,500.00 ZZ 360 206,500.00 1 9.250 1,698.82 100 9.000 1,698.82 SKOKIE IL 60077 1 07/02/01 23 0412788630 05 09/01/01 0 0412788630 O 08/01/31 0 5097307 E22/G01 F 148,400.00 T 360 148,400.00 1 9.250 1,220.85 103 9.000 1,220.85 ORANGE PARK FL 32073 1 07/05/01 23 0412789604 05 09/01/01 0 0412789604 O 08/01/31 0 5097316 E22/G01 F 185,000.00 ZZ 360 185,000.00 1 9.625 1,572.48 100 9.125 1,572.48 ARLINGTON TX 76013 1 07/05/01 23 0412800112 05 09/01/01 0 0412800112 O 08/01/31 0 5097320 E22/G01 F 83,655.00 ZZ 360 83,655.00 1 9.875 726.42 99 9.625 726.42 MOBILE AL 36619 1 07/09/01 23 0412815631 05 09/01/01 0 0412815631 O 08/01/31 0 5097630 R49/G01 F 274,900.00 ZZ 360 274,470.27 1 9.250 2,261.53 100 9.000 2,261.53 HENDERSON NV 89012 1 04/20/01 23 0433016946 03 06/01/01 0 9708535 O 05/01/31 0 1 5097833 N67/G01 F 88,500.00 ZZ 360 88,455.31 1 9.375 736.10 100 9.125 736.10 CROSBY TX 77532 1 06/28/01 23 0433007903 03 08/01/01 0 1160004416 O 07/01/31 0 5098039 N67/G01 F 163,000.00 ZZ 180 162,901.25 1 8.500 1,253.33 107 8.250 1,253.33 WHARTON NJ 07885 5 06/22/01 23 0433001047 05 08/01/01 0 1380002918 O 07/01/16 0 5098419 N67/G01 F 172,000.00 ZZ 360 171,913.14 1 9.375 1,430.61 100 9.125 1,430.61 OAK LAWN IL 60453 1 06/28/01 23 0432996403 05 08/01/01 0 3250005722 O 07/01/31 0 5098834 K15/G01 F 85,800.00 ZZ 360 85,800.00 1 12.750 932.38 96 12.500 932.38 PATTERSON CA 95363 5 07/12/01 23 0433005683 05 09/01/01 0 026605302737 O 08/01/31 0 5099392 N67/G01 F 281,500.00 ZZ 360 281,354.07 1 9.250 2,315.83 100 9.000 2,315.83 ANAHEIM CA 92806 1 06/27/01 23 0433000999 05 08/01/01 0 1380002991 O 07/01/31 0 5099564 642/G01 F 149,800.00 ZZ 360 149,730.12 1 1 9.750 1,287.01 107 9.500 1,287.01 STONINGTON CT 06378 5 06/28/01 23 0432999803 05 08/01/01 0 06122301 O 07/01/31 0 5103069 E86/G01 F 399,900.00 ZZ 360 399,692.68 1 9.250 3,289.88 100 9.000 3,289.88 RANCHO CUCAMONG CA 91701 1 06/12/01 23 0432992618 05 08/01/01 0 316691 O 07/01/31 0 5105131 E22/G01 F 124,987.00 ZZ 360 124,987.00 1 8.250 938.99 100 7.750 938.99 CHENEY WA 99004 1 07/05/01 23 0412732612 03 09/01/01 0 0412732612 O 08/01/31 0 5105134 E22/G01 F 226,600.00 ZZ 360 226,600.00 1 9.375 1,884.74 103 9.125 1,884.74 DENVER CO 80221 1 07/09/01 23 0412739468 05 09/01/01 0 0412739468 O 08/01/31 0 5105144 E22/G01 F 228,270.00 ZZ 360 228,270.00 1 9.250 1,877.92 100 9.000 1,877.92 SOUTH LAKE TAHO CA 96150 1 07/06/01 23 0412754277 05 09/01/01 0 0412754277 O 08/01/31 0 5105162 E22/G01 F 53,500.00 ZZ 360 53,500.00 1 9.250 440.13 107 9.000 440.13 METAIRIE LA 70003 1 07/10/01 23 0412775652 05 09/01/01 0 1 0412775652 O 08/01/31 0 5105177 E22/G01 F 83,950.00 ZZ 360 83,950.00 1 11.000 799.48 100 10.500 799.48 FORT WORTH TX 76133 1 07/10/01 23 0412787988 05 09/01/01 0 0412787988 O 08/01/31 0 5105178 E22/G01 F 189,710.00 ZZ 360 189,710.00 1 11.750 1,914.95 100 11.250 1,914.95 PEARLAND TX 77581 1 07/10/01 23 0412788150 03 09/01/01 0 0412788150 O 08/01/31 0 5105188 E22/G01 F 247,000.00 ZZ 360 247,000.00 1 9.625 2,099.47 100 9.125 2,099.47 BURLESON TX 76028 1 07/10/01 23 0412801029 05 09/01/01 0 0412801029 O 08/01/31 0 5105194 E22/G01 F 257,000.00 ZZ 360 257,000.00 1 9.375 2,137.60 100 9.125 2,137.60 PLYMOUTH MI 48170 1 07/10/01 23 0412817330 05 09/01/01 0 0412817330 O 08/01/31 0 5105422 S02/G01 F 119,000.00 ZZ 360 118,929.74 1 8.625 925.57 100 8.375 925.57 LAKE FOREST CA 92630 1 06/28/01 23 0433014933 01 08/01/01 0 01105110 O 07/01/31 0 1 5105798 G75/G01 F 135,850.00 ZZ 360 135,767.70 1 8.500 1,044.57 107 8.250 1,044.57 BALTIMORE MD 21061 1 06/28/01 23 0433006962 05 08/01/01 0 04378508 O 07/01/31 0 5106825 P87/G01 F 76,659.00 ZZ 180 76,659.00 1 9.500 644.60 101 9.250 644.60 CORALVILLE IA 52241 1 07/17/01 23 0433016748 01 09/01/01 0 HE33060 O 08/01/16 0 5107865 A11/G01 F 151,000.00 ZZ 360 150,919.64 1 9.125 1,228.59 105 8.875 1,228.59 ANTIOCH CA 94509 1 06/29/01 23 0432990638 05 08/01/01 0 4612555348 O 07/01/31 0 5108876 Q64/G01 F 162,000.00 ZZ 360 161,920.31 1 9.500 1,362.19 100 9.250 1,362.19 LILBURN GA 30047 1 06/28/01 23 0433002888 05 08/01/01 0 0102089208 O 07/01/31 0 5109557 Q64/G01 F 79,000.00 ZZ 180 78,960.10 1 9.375 657.09 100 9.125 657.09 CHICAGO IL 60643 1 06/29/01 23 0433001203 05 08/01/01 0 0102082104 O 07/01/16 0 5109743 Q64/G01 F 64,790.00 ZZ 360 64,750.75 1 8.500 498.18 105 8.250 498.18 1 DAYTONA BEACH FL 32114 1 06/29/01 23 0433014529 01 08/01/01 0 0102131109 O 07/01/31 0 5109885 K15/G01 F 82,200.00 ZZ 360 82,200.00 1 11.750 829.73 103 11.500 829.73 DAYTON OH 45403 5 07/13/01 23 0433003605 05 09/01/01 0 002780005302338 O 08/01/31 0 5113350 E22/G01 F 346,400.00 ZZ 360 346,400.00 1 9.000 2,787.21 107 8.750 2,787.21 VACAVILLE CA 95688 1 07/02/01 23 0412692832 05 09/01/01 0 0412692832 O 08/01/31 0 5113361 E22/G01 F 390,950.00 ZZ 360 390,950.00 1 8.625 3,040.77 100 8.125 3,040.77 FREMONT CA 94538 1 07/05/01 23 0412714420 01 09/01/01 0 0412714420 O 08/01/31 0 5113370 E22/G01 F 188,900.00 ZZ 360 188,900.00 1 8.750 1,486.08 100 8.500 1,486.08 DENVER CO 80224 1 07/10/01 23 0412742033 05 09/01/01 0 0412742033 O 08/01/31 0 5113372 E22/G01 F 268,000.00 ZZ 360 268,000.00 1 9.000 2,156.39 100 8.750 2,156.39 VISTA CA 92083 1 07/05/01 23 0412744112 05 09/01/01 0 0412744112 O 08/01/31 0 1 5113375 E22/G01 F 202,000.00 ZZ 360 202,000.00 1 9.125 1,643.54 100 8.875 1,643.54 SAN DIEGO CA 92115 1 07/03/01 23 0412751943 01 09/01/01 0 0412751943 O 08/01/31 0 5113413 E22/G01 F 68,000.00 ZZ 360 68,000.00 1 9.625 577.99 100 9.125 577.99 FRIENDSWOOD TX 77546 1 07/11/01 23 0412786071 03 09/01/01 0 0412786071 O 08/01/31 0 5113415 E22/G01 F 73,830.00 ZZ 360 73,790.71 1 9.125 600.71 107 8.625 600.71 LAWRENCEBURG TN 38464 1 07/03/01 23 0412787483 05 08/01/01 0 0412787483 O 07/01/31 0 5113419 E22/G01 F 98,000.00 ZZ 360 98,000.00 1 8.875 779.73 106 8.375 779.73 TAMPA FL 33629 1 07/11/01 23 0412794406 05 09/01/01 0 0412794406 O 08/01/31 0 5113429 E22/G01 F 82,400.00 ZZ 360 82,400.00 1 9.875 715.52 103 9.625 715.52 LIVINGSTON LA 70754 1 07/10/01 23 0412814675 05 09/01/01 0 0412814675 O 08/01/31 0 5113870 L16/G01 F 106,000.00 ZZ 360 106,000.00 1 1 9.875 920.45 100 9.625 920.45 MIDVALE UT 84047 1 07/06/01 23 0433000759 01 09/01/01 0 W0106177 O 08/01/31 0 5114809 P29/G01 F 44,940.00 ZZ 180 44,940.00 1 9.375 373.79 107 9.125 373.79 ELDORA IA 50627 1 07/20/01 23 0433017027 05 09/01/01 0 5114809 O 08/01/16 0 5115922 Q01/G01 F 272,950.00 ZZ 360 272,800.60 1 8.990 2,194.25 103 8.740 2,194.25 MACOMB TOWNSHIP MI 48042 1 07/03/01 23 0433007887 05 08/01/01 0 47596 O 07/01/31 0 5117925 642/G01 F 247,200.00 ZZ 360 247,200.00 1 8.500 1,900.75 103 8.250 1,900.75 PEARL CITY HI 96782 1 07/05/01 23 0432992113 05 09/01/01 0 06107801 O 08/01/31 0 5118745 642/G01 F 90,950.00 ZZ 360 90,950.00 1 9.250 748.22 107 9.000 748.22 MARLOW OK 73055 1 07/09/01 23 0432992386 05 09/01/01 0 06159701 O 08/01/31 0 5119147 K15/G01 F 154,500.00 ZZ 360 154,500.00 1 9.750 1,327.39 103 9.500 1,327.39 ROCKFORD MN 55373 1 07/19/01 23 0433006186 05 09/01/01 0 1 1 O 08/01/31 0 5119264 U35/G01 F 87,550.00 ZZ 360 87,550.00 1 12.750 951.40 103 12.500 951.40 OSHKOSH WI 54902 1 07/20/01 23 0433012606 05 09/01/01 0 STOWE O 08/01/31 0 5122086 E22/G01 F 70,555.00 ZZ 360 70,555.00 1 11.750 712.19 103 11.250 712.19 BROOKLYN IN 46111 1 07/12/01 23 0412587735 05 09/01/01 0 0412587735 O 08/01/31 0 5122090 E22/G01 F 84,850.00 ZZ 360 84,850.00 1 10.250 760.34 100 10.000 760.34 ROME GA 30173 1 07/12/01 23 0412734238 05 09/01/01 0 0412734238 O 08/01/31 0 5122095 E22/G01 F 124,950.00 ZZ 360 124,950.00 1 10.375 1,131.31 100 10.125 1,131.31 KENNER LA 70065 1 07/12/01 23 0412749285 05 09/01/01 0 0412749285 O 08/01/31 0 5122119 E22/G01 F 65,400.00 ZZ 360 65,400.00 1 10.000 573.93 103 9.750 573.93 RUSSIAVILLE IN 46979 1 07/12/01 23 0412803520 05 09/01/01 0 0412803520 O 08/01/31 0 1 5122120 E22/G01 F 132,000.00 ZZ 360 132,000.00 1 8.750 1,038.44 107 8.250 1,038.44 RICHMOND TX 77469 1 07/12/01 23 0412805343 03 09/01/01 0 0412805343 O 08/01/31 0 5122121 E22/G01 F 127,000.00 ZZ 360 127,000.00 1 9.375 1,056.32 100 8.875 1,056.32 SUNRISE FL 33322 1 07/12/01 23 0412806861 05 09/01/01 0 0412806861 O 08/01/31 0 5122126 E22/G01 F 275,000.00 ZZ 360 275,000.00 1 9.250 2,262.36 100 9.000 2,262.36 HAYWARD CA 94544 1 07/06/01 23 0412810889 05 09/01/01 0 0412810889 O 08/01/31 0 5122198 E82/G01 F 81,850.00 ZZ 360 81,850.00 1 9.750 703.22 102 9.500 703.22 KANSAS CITY MO 64119 1 07/13/01 23 0400452512 05 09/01/01 0 0400452512 O 08/01/31 0 5122542 Q64/G01 F 127,900.00 ZZ 360 127,835.41 1 9.375 1,063.81 100 9.125 1,063.81 STOCKBRIDGE GA 30281 1 07/02/01 23 0433009891 03 08/01/01 0 0102133501 O 07/01/31 0 5122607 Q64/G01 F 256,690.00 ZZ 360 256,553.39 1 9.125 2,088.52 107 8.875 2,088.52 1 GREENWOOD IN 46143 1 06/29/01 23 0433015989 05 08/01/01 0 0102022308 O 07/01/31 0 5125629 Q01/G01 F 92,700.00 ZZ 360 92,700.00 1 10.375 839.31 103 10.125 839.31 TOLEDO OH 43611 1 07/17/01 23 0433032679 05 09/01/01 0 682634 O 08/01/31 0 5127078 T24/G01 F 100,200.00 ZZ 360 100,143.82 1 8.875 797.24 106 8.625 797.24 BEL AIR MD 21014 1 06/15/01 23 0432996643 09 08/01/01 0 713 O 07/01/31 0 5128043 642/G01 F 158,350.00 ZZ 360 158,350.00 1 8.875 1,259.90 107 8.625 1,259.90 SUITLAND MD 20746 5 07/09/01 23 0433006921 05 09/01/01 0 060148801 O 08/01/31 0 5132585 E82/G01 F 185,250.00 ZZ 360 185,250.00 1 9.125 1,507.26 95 8.875 1,507.26 NEW HOPE MN 55427 1 07/13/01 23 0400441192 05 09/01/01 0 0400441192 O 08/01/31 0 5132764 E22/G01 F 108,000.00 ZZ 360 108,000.00 1 9.250 888.49 100 9.000 888.49 SACRAMENTO CA 95818 1 07/05/01 23 0412748469 05 09/01/01 0 0412748469 O 08/01/31 0 1 5132778 E22/G01 F 124,700.00 ZZ 360 124,700.00 1 9.500 1,048.55 100 9.250 1,048.55 GARDNER KS 66030 1 07/13/01 23 0412765471 05 09/01/01 0 0412765471 O 08/01/31 0 5132794 E22/G01 F 212,900.00 ZZ 360 212,900.00 1 9.125 1,732.22 107 8.875 1,732.22 PLACERVILLE CA 95667 1 07/09/01 23 0412780165 05 09/01/01 0 0412780165 O 08/01/31 0 5132816 E22/G01 F 63,850.00 ZZ 360 63,850.00 1 11.750 644.51 103 11.250 644.51 BARTONVILLE IL 61607 1 07/13/01 23 0412793788 05 09/01/01 0 0412793788 O 08/01/31 0 5132819 E22/G01 F 87,550.00 ZZ 360 87,550.00 1 9.500 736.17 103 9.000 736.17 NORTH HIGHLANDS CA 95660 1 07/05/01 23 0412795171 05 09/01/01 0 0412795171 O 08/01/31 0 5132822 E22/G01 F 27,483.00 ZZ 360 27,483.00 1 9.250 226.10 95 9.000 226.10 EIGHT MILE AL 36613 1 07/16/01 23 0412800187 05 09/01/01 0 0412800187 N 08/01/31 0 5132825 E22/G01 F 249,727.00 ZZ 360 249,727.00 1 1 9.000 2,009.36 99 8.750 2,009.36 FREDERICK CO 80504 1 07/13/01 23 0412804890 05 09/01/01 0 0412804890 O 08/01/31 0 5132826 E22/G01 F 193,100.00 ZZ 360 193,100.00 1 9.000 1,553.73 103 8.750 1,553.73 NASHVILLE TN 37204 1 07/13/01 23 0412805533 05 09/01/01 0 0412805533 O 08/01/31 0 5132831 E22/G01 F 151,900.00 ZZ 360 151,900.00 1 10.250 1,361.18 100 9.750 1,361.18 HOBE SOUND FL 33455 1 07/13/01 23 0412810442 03 09/01/01 0 0412810442 O 08/01/31 0 5132839 E22/G01 F 163,910.00 ZZ 360 163,910.00 1 8.750 1,289.48 103 8.500 1,289.48 FT COLLINS CO 80524 1 07/13/01 23 0412818338 03 09/01/01 0 0412818338 O 08/01/31 0 5132840 E22/G01 F 158,517.00 ZZ 360 158,517.00 1 9.750 1,361.91 103 9.500 1,361.91 WELLINGTON FL 33414 1 07/13/01 23 0412819526 03 09/01/01 0 0412819526 O 08/01/31 0 5132842 E22/G01 F 77,900.00 ZZ 360 77,900.00 1 9.500 655.03 95 9.000 655.03 DALLAS TX 75228 1 07/13/01 23 0412820888 05 09/01/01 0 1 0412820888 O 08/01/31 0 5132846 E22/G01 F 79,200.00 ZZ 360 79,200.00 1 8.875 630.15 103 8.625 630.15 FLORENCE AL 35630 1 07/13/01 23 0412824823 05 09/01/01 0 0412824823 O 08/01/31 0 5132847 E22/G01 F 153,450.00 ZZ 360 153,450.00 1 9.250 1,262.40 103 9.000 1,262.40 AURORA CO 80015 1 07/13/01 23 0412825952 09 09/01/01 0 0412825952 O 08/01/31 0 5133006 737/G01 F 149,900.00 ZZ 360 149,900.00 1 9.625 1,274.13 100 9.375 1,274.13 PHOENIX AZ 85032 1 07/02/01 23 0432995009 05 09/01/01 0 2029618 O 08/01/31 0 5134209 Q78/G01 F 150,000.00 ZZ 180 150,000.00 1 9.240 1,232.93 107 8.990 1,232.93 LOGAN UT 84321 5 07/05/01 23 0433001161 05 09/01/01 0 688208 O 08/01/16 0 5134499 Q78/G01 F 97,000.00 ZZ 360 96,948.37 2 9.125 789.23 106 8.875 789.23 KANSAS CITY KS 66103 1 06/11/01 23 0433003829 05 08/01/01 0 686414 O 07/01/31 0 1 5134979 Q78/G01 F 74,900.00 ZZ 360 74,900.00 1 9.625 636.65 107 9.375 636.65 OSHKOSH WI 54902 1 07/03/01 23 0433004165 05 09/01/01 0 685435 O 08/01/31 0 5135165 Q78/G01 F 169,950.00 ZZ 360 169,950.00 1 10.375 1,538.74 103 10.125 1,538.74 DOUGLASVILLE GA 30135 5 07/02/01 23 0433003670 03 09/01/01 0 687705 O 08/01/31 0 5136273 624/G01 F 149,201.00 ZZ 360 149,201.00 1 9.000 1,200.50 103 8.750 1,200.50 LEMOORE CA 93245 1 07/19/01 23 0433007077 05 09/01/01 0 36500313493F O 08/01/31 0 5138397 E86/G01 F 147,340.00 ZZ 360 147,340.00 1 9.125 1,198.81 106 8.875 1,198.81 MUNDELEIN IL 60060 1 07/20/01 23 0433013901 05 09/01/01 0 0000122251 O 08/01/31 0 5138406 642/G01 F 221,450.00 ZZ 360 221,450.00 1 10.500 2,025.69 103 10.250 2,025.69 NORTH HILLS CA 91343 1 07/11/01 23 0433008844 01 09/01/01 0 05005901 O 08/01/31 0 5141496 E22/G01 F 250,000.00 ZZ 360 250,000.00 2 9.375 2,079.37 100 9.125 2,079.37 1 BELLEVILLE NJ 07109 1 07/16/01 23 0412648909 05 09/01/01 0 0412648909 O 08/01/31 0 5141497 E22/G01 F 78,450.00 ZZ 360 78,450.00 1 10.000 688.45 100 9.500 688.45 COVINGTON KY 41015 1 07/16/01 23 0412653503 05 09/01/01 0 0412653503 O 08/01/31 0 5141527 E22/G01 F 117,400.00 ZZ 360 117,400.00 1 9.750 1,008.65 103 9.250 1,008.65 BILLINGS MT 59101 2 07/10/01 23 0412753816 05 09/01/01 0 0412753816 O 08/01/31 0 5141563 E22/G01 F 159,850.00 ZZ 360 159,850.00 1 8.875 1,271.84 100 8.375 1,271.84 KENNEWICK WA 99337 1 07/03/01 23 0412783847 05 09/01/01 0 0412783847 O 08/01/31 0 5141570 E22/G01 F 242,000.00 ZZ 360 242,000.00 1 9.250 1,990.87 100 9.000 1,990.87 ROSEVILLE CA 95678 1 07/11/01 23 0412788440 05 09/01/01 0 0412788440 O 08/01/31 0 5141577 E22/G01 F 107,910.00 ZZ 360 107,910.00 1 9.375 897.54 99 8.875 897.54 BOCA RATON FL 33428 1 07/16/01 23 0412791998 09 09/01/01 0 0412791998 O 08/01/31 0 1 5141586 E22/G01 F 89,000.00 ZZ 360 89,000.00 1 9.375 740.26 100 9.125 740.26 SYLACAUGA AL 35150 9 07/10/01 23 0412800195 05 09/01/01 0 0412800195 O 08/01/31 0 5141613 E22/G01 F 69,000.00 ZZ 360 69,000.00 1 8.125 512.32 100 7.875 512.32 ORANGE BEACH AL 36561 1 07/16/01 23 0412823247 05 09/01/01 0 0412823247 O 08/01/31 0 5143940 964/G01 F 224,977.00 ZZ 360 224,977.00 2 8.750 1,769.90 100 8.500 1,769.90 SILVERTHORNE CO 80498 1 07/24/01 23 0433016128 05 09/01/01 0 134789 O 08/01/31 0 5147243 642/G01 F 163,710.00 ZZ 360 163,710.00 1 10.500 1,497.52 107 10.250 1,497.52 LIVONIA MI 48150 1 07/06/01 23 0433000189 05 09/01/01 0 06161701 O 08/01/31 0 5149482 964/G01 F 137,300.00 ZZ 360 137,300.00 1 8.500 1,055.72 95 8.250 1,055.72 LAS VEGAS NV 89134 1 07/20/01 23 0433034386 03 09/01/01 0 135986 N 08/01/31 0 5149945 E22/G01 F 80,750.00 ZZ 360 80,750.00 1 1 8.500 620.90 95 8.250 620.90 DECATUR GA 30033 1 07/17/01 23 0412733800 05 09/01/01 0 0412733800 N 08/01/31 0 5149946 E22/G01 F 126,200.00 T 360 126,200.00 1 9.750 1,084.25 100 9.250 1,084.25 EAGLE POINT OR 97524 1 07/06/01 23 0412736068 05 09/01/01 0 0412736068 O 08/01/31 0 5149965 E22/G01 F 269,200.00 ZZ 360 269,036.91 1 8.500 2,069.92 95 8.000 2,069.92 RIO VISTA CA 94571 1 06/28/01 23 0412768954 03 08/01/01 0 0412768954 N 07/01/31 0 5149966 E22/G01 F 95,300.00 ZZ 360 95,300.00 1 9.500 801.33 103 9.000 801.33 MEMPHIS TN 38134 1 07/17/01 23 0412770422 05 09/01/01 0 0412770422 O 08/01/31 0 5150018 E22/G01 F 195,000.00 ZZ 360 195,000.00 1 12.500 2,081.15 100 12.000 2,081.15 CHARLOTTE NC 28213 1 07/17/01 23 0412810939 03 09/01/01 0 0412810939 O 08/01/31 0 5150019 E22/G01 F 209,200.00 ZZ 360 209,200.00 1 9.250 1,721.04 107 9.000 1,721.04 WEST SACRAMENTO CA 95691 1 07/11/01 23 0412811432 05 09/01/01 0 1 0412811432 O 08/01/31 0 5150027 E22/G01 F 119,450.00 ZZ 360 119,450.00 1 9.000 961.12 103 8.750 961.12 PLAINS PA 18705 1 07/17/01 23 0412821761 09 09/01/01 0 0412821761 O 08/01/31 0 5150031 E22/G01 F 74,950.00 ZZ 360 74,950.00 2 9.375 623.40 100 9.125 623.40 DAYTON OH 45405 1 07/17/01 23 0412826216 05 09/01/01 0 0412826216 O 08/01/31 0 5150039 E22/G01 F 154,500.00 ZZ 360 154,500.00 1 9.375 1,285.05 103 9.125 1,285.05 ROYAL OAK MI 48073 1 07/17/01 23 0412836009 05 09/01/01 0 0412836009 O 08/01/31 0 5151303 K15/G01 F 112,600.00 ZZ 360 112,600.00 1 12.500 1,201.73 103 12.250 1,201.73 LAFAYETTE GA 30728 5 07/24/01 23 0433018892 05 09/01/01 0 14505302212 O 08/01/31 0 5153210 E47/G01 F 128,400.00 ZZ 360 128,338.48 1 9.625 1,091.39 107 9.375 1,091.39 OREM UT 84057 2 06/22/01 23 0433038148 05 08/01/01 0 4324049426 O 07/01/31 0 1 5157871 N46/G01 F 278,500.00 ZZ 360 278,500.00 1 9.250 2,291.15 100 9.000 2,291.15 SUMMERFIELD NC 27358 1 07/11/01 23 0433016482 05 09/01/01 0 103086 O 08/01/31 0 5158274 N67/G01 F 32,200.00 ZZ 360 32,200.00 1 8.750 253.32 95 8.500 253.32 FORT WORTH TX 76105 1 07/06/01 23 0433019486 05 09/01/01 0 1160004680 N 08/01/31 0 5159155 147/G01 F 101,543.00 ZZ 360 101,422.65 1 8.625 789.80 107 8.375 789.80 REDFORD MI 48239 1 05/31/01 23 0433022894 05 07/01/01 0 10422281 O 06/01/31 0 5159167 B28/G01 F 196,000.00 ZZ 360 196,000.00 1 9.375 1,630.23 100 9.125 1,630.23 DENVER CO 80222 1 07/24/01 23 0433025350 05 09/01/01 0 0107050003 O 08/01/31 0 5163738 U35/G01 F 83,430.00 ZZ 360 83,430.00 1 9.375 693.93 103 9.125 693.93 TOMAH WI 54660 1 07/25/01 23 0433014966 05 09/01/01 0 TESSMAN O 08/01/31 0 5163780 G75/G01 F 288,900.00 ZZ 360 288,900.00 1 8.750 2,272.78 107 8.500 2,272.78 1 WOODBRIDGE VA 22193 1 07/13/01 23 0432998961 03 09/01/01 0 1 O 08/01/31 0 5164051 W39/G01 F 91,150.00 ZZ 360 91,094.79 1 8.500 700.86 103 8.250 700.86 BATON ROUGE LA 70819 2 06/25/01 23 0433035516 05 08/01/01 0 991157 O 07/01/31 0 5166290 E22/G01 F 82,500.00 ZZ 360 82,500.00 1 9.250 678.71 100 9.000 678.71 MADISON CT 06443 1 07/18/01 23 0412757551 01 09/01/01 0 0412757551 O 08/01/31 0 5166301 E22/G01 F 321,000.00 ZZ 360 321,000.00 1 8.750 2,525.31 107 8.500 2,525.31 SAN LORENZO CA 94580 1 07/11/01 23 0412774796 05 09/01/01 0 0412774796 O 08/01/31 0 5166322 E22/G01 F 84,530.00 ZZ 360 84,530.00 1 9.250 695.41 107 9.000 695.41 OAK LAWN IL 60453 1 07/18/01 23 0412790693 01 09/01/01 0 0412790693 O 08/01/31 0 5166342 E22/G01 F 99,900.00 ZZ 360 99,900.00 2 8.500 768.14 100 8.000 768.14 YAKIMA WA 98902 1 07/12/01 23 0412807117 05 09/01/01 0 0412807117 O 08/01/31 0 1 5166365 E22/G01 F 100,000.00 ZZ 360 100,000.00 1 8.750 786.70 100 8.250 786.70 EDGEWATER FL 32141 1 07/18/01 23 0412834996 05 09/01/01 0 0412834996 O 08/01/31 0 5166500 E22/G01 F 92,700.00 ZZ 360 92,700.00 1 9.875 804.96 103 9.625 804.96 WATERFORD MI 48329 1 07/19/01 23 0412782518 05 09/01/01 0 0412782518 O 08/01/31 0 5166530 E22/G01 F 319,300.00 ZZ 360 319,300.00 1 9.125 2,597.93 103 8.875 2,597.93 ELK GROVE CA 95758 1 07/16/01 23 0412826208 05 09/01/01 0 0412826208 O 08/01/31 0 5166606 E82/G01 F 231,750.00 ZZ 360 231,750.00 1 9.125 1,885.59 102 8.875 1,885.59 SIMPSONVILLE SC 29680 1 07/20/01 23 0400465423 05 09/01/01 0 0400465423 O 08/01/31 0 5166924 642/G01 F 240,400.00 ZZ 360 240,400.00 1 9.125 1,955.97 107 8.875 1,955.97 RANCHO CUCAMONG CA 91701 1 07/07/01 23 0433011145 05 09/01/01 0 06141801 O 08/01/31 0 5166934 642/G01 F 350,000.00 ZZ 360 350,000.00 1 1 9.375 2,911.12 103 9.125 2,911.12 JONESBORO GA 30238 1 07/17/01 23 0433011152 05 09/01/01 0 06129601 O 08/01/31 0 5170572 Q78/G01 F 63,860.00 ZZ 180 63,860.00 1 10.500 584.16 100 10.250 584.16 DIXON MO 65459 5 07/09/01 23 0433014321 05 09/01/01 0 687459 O 08/01/16 0 5171061 964/G01 F 150,000.00 ZZ 360 150,000.00 1 9.000 1,206.93 100 8.750 1,206.93 SCOTTSDALE AZ 85250 1 07/24/01 23 0433035904 05 09/01/01 0 135143 O 08/01/31 0 5172846 642/G01 F 94,928.00 T 360 94,928.00 1 9.125 772.37 105 8.875 772.37 SOUTH EUCLID OH 44121 1 07/19/01 23 0433008265 05 09/01/01 0 05042301 O 08/01/31 0 5173113 Q78/G01 F 289,000.00 ZZ 360 289,000.00 1 8.990 2,323.29 97 8.740 2,323.29 BELTSVILLE MD 20705 5 07/10/01 23 0433020138 03 09/01/01 0 687970 O 08/01/31 0 5176177 E22/G01 F 59,200.00 ZZ 360 59,200.00 1 11.625 591.91 103 11.125 591.91 JOLIET IL 60433 1 07/20/01 23 0412734170 05 09/01/01 0 1 0412734170 O 08/01/31 0 5176188 E22/G01 F 170,000.00 ZZ 360 170,000.00 2 9.000 1,367.86 107 8.750 1,367.86 FITCHBURG MA 01420 1 07/20/01 23 0412760472 05 09/01/01 0 0412760472 O 08/01/31 0 5176214 E22/G01 F 186,100.00 ZZ 360 186,100.00 1 9.500 1,564.83 99 9.250 1,564.83 WHITE LAKE MI 48386 1 07/20/01 23 0412790446 05 09/01/01 0 0412790446 O 08/01/31 0 5176218 E22/G01 F 121,000.00 ZZ 360 121,000.00 1 9.375 1,006.42 107 9.125 1,006.42 LINDENWOLD NJ 08021 5 07/16/01 23 0412793531 05 09/01/01 0 0412793531 O 08/01/31 0 5176223 E22/G01 F 86,000.00 ZZ 360 86,000.00 1 8.875 684.25 102 8.625 684.25 WEST JEFFERSON OH 43162 9 07/16/01 23 0412798449 05 09/01/01 0 0412798449 O 08/01/31 0 5176234 E22/G01 F 120,900.00 ZZ 360 120,900.00 1 9.500 1,016.59 100 9.250 1,016.59 NILES MI 49120 1 07/23/01 23 0412808776 05 09/01/01 0 0412808776 O 08/01/31 0 1 5176253 E22/G01 F 105,100.00 ZZ 360 105,100.00 1 8.750 826.82 104 8.500 826.82 LEES SUMMIT MO 64063 1 07/20/01 23 0412820599 05 09/01/01 0 0412820599 O 08/01/31 0 5176256 E22/G01 F 264,300.00 ZZ 360 264,300.00 1 9.375 2,198.31 100 9.125 2,198.31 DALLAS TX 75287 1 07/20/01 23 0412822116 03 09/01/01 0 0412822116 O 08/01/31 0 5176270 E22/G01 F 118,650.00 ZZ 360 118,650.00 1 9.375 986.87 95 9.125 986.87 BERWYN IL 60402 1 07/20/01 23 0412836496 05 09/01/01 0 0412836496 N 08/01/31 0 5185009 E22/G01 F 66,933.00 ZZ 360 66,933.00 1 9.250 550.64 100 8.750 550.64 DELRAY BEACH FL 33444 1 07/23/01 23 0412785446 05 09/01/01 0 0412785446 O 08/01/31 0 5185516 642/G01 F 90,950.00 ZZ 360 90,950.00 1 9.125 740.00 107 8.875 740.00 MARLOW OK 73055 1 07/20/01 23 0433032281 05 09/01/01 0 06177001 O 08/01/31 0 5188109 N67/G01 F 206,000.00 ZZ 360 206,000.00 1 9.250 1,694.71 100 9.000 1,694.71 1 SPRING VALLEY CA 91977 1 07/02/01 23 0433021136 05 09/01/01 0 1780007113 O 08/01/31 0 5194314 E22/G01 F 339,190.00 ZZ 360 339,190.00 1 8.500 2,608.08 107 8.000 2,608.08 UNION CITY CA 94587 1 07/13/01 23 0412808362 09 09/01/01 0 0412808362 O 08/01/31 0 5195400 N46/G01 F 129,450.00 ZZ 360 129,450.00 1 8.625 1,006.85 107 8.375 1,006.85 CHARLOTTE NC 28212 5 07/26/01 23 0433035797 05 09/01/01 0 200783 O 08/01/31 0 5202448 E22/G01 F 315,000.00 ZZ 360 315,000.00 1 8.625 2,450.04 105 8.375 2,450.04 PLEASANTON CA 94588 1 07/19/01 23 0412724569 09 09/01/01 0 0412724569 O 08/01/31 0 5202618 U62/G01 F 72,100.00 ZZ 360 72,100.00 1 9.750 619.45 103 9.500 619.45 SYRACUSE NY 13209 5 07/13/01 23 0433011426 05 09/01/01 0 2001276822 O 08/01/31 0 5203754 E86/G01 F 172,500.00 ZZ 360 172,413.35 1 9.400 1,437.90 100 9.150 1,437.90 MAYWOOD CA 90270 1 06/26/01 23 0433017860 05 08/01/01 0 0000123469 O 07/01/31 0 1 5206077 U35/G01 F 174,000.00 ZZ 360 174,000.00 1 9.375 1,447.24 100 9.125 1,447.24 APPLETON WI 54915 1 08/01/01 23 0433032802 05 09/01/01 0 PYNCH O 08/01/31 0 5209125 Q64/G01 F 97,450.00 ZZ 360 97,450.00 1 9.000 784.11 105 8.750 784.11 ALEXANDRIA VA 22309 1 07/20/01 23 0433036472 01 09/01/01 0 0102192200 O 08/01/31 0 5214279 N67/G01 F 81,800.00 ZZ 180 81,755.32 1 9.000 658.18 100 8.750 658.18 TINLEY PARK IL 60477 1 06/29/01 23 0433010899 01 08/01/01 0 3250005260 O 07/01/16 0 5220567 P23/G01 F 145,520.00 ZZ 360 145,520.00 1 8.990 1,169.84 107 8.740 1,169.84 MECHANICSVILLE VA 23111 1 07/16/01 23 0433034519 05 09/01/01 0 WTL010002180 O 08/01/31 0 5225449 562/G01 F 183,000.00 ZZ 360 183,000.00 1 9.375 1,522.11 100 9.125 1,522.11 LAKE PEEKSKILL NY 10537 1 07/16/01 23 0433017555 05 09/01/01 0 297011976 O 08/01/31 0 5228777 E22/G01 F 155,100.00 ZZ 360 155,100.00 1 1 9.375 1,290.04 107 9.125 1,290.04 REDFIELD AR 72132 5 07/25/01 23 0412769952 05 09/01/01 0 0412769952 O 08/01/31 0 5238576 286/G01 F 334,750.00 ZZ 360 334,750.00 1 9.000 2,693.48 103 8.750 2,693.48 HERNDON VA 20171 1 07/20/01 23 0433035979 03 09/01/01 0 0000335955 O 08/01/31 0 5258230 U62/G01 F 156,000.00 ZZ 360 156,000.00 1 8.625 1,213.35 107 8.375 1,213.35 LILBURN GA 30047 5 07/18/01 23 0433029634 03 09/01/01 0 2001268440 O 08/01/31 0 TOTAL NUMBER OF LOANS : 1,459 TOTAL ORIGINAL BALANCE : 215,243,566.00 TOTAL PRINCIPAL BALANCE : 215,001,205.90 TOTAL ORIGINAL P+I : 1,799,062.39 TOTAL CURRENT P+I : 1,799,062.39 *************************** * END OF REPORT * *************************** EXHIBIT G FORMS OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. Pooling and Servicing Agreement Dated: Series#: Account#: Pool#: Loan#: Borrower Name(s): Reason for Document Request: (circle one) Mortgage Loan Prepaid in Full Mortgage Loan Repurchased "We hereby certify that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan pursuant to the Pooling and Servicing Agreement." --------------------------- Residential Funding Corporation Authorized Signature ****************************************************************************** TO CUSTODIAN/TRUSTEE: 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 Pooling and Servicing Agreement. Enclosed Documents: [] Promissory Note [] Primary Insurance Policy [] Mortgage or Deed of Trust [] Assignment(s) of Mortgage or Deed of Trust [] Title Insurance Policy [] Other: ------------------------ -------------------- -------------------- Name Date -------------------- Title G-1 EXHIBIT H-1 FORM OF TRANSFER AFFIDAVIT AND AGREEMENT STATE OF ) ) :ss. COUNTY OF ) [NAME OF OFFICER], being first duly sworn, deposes and says: 1. That he/she is a Director of _________________ (record or beneficial owner of the Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3, Class R-I, Class R-II and Class R- III (together, the "Class R Certificates"), (the "Owner"), a corporation duly organized and existing under the laws of the State of Delaware, on behalf of which he/she makes this affidavit and agreement. 2. That the Owner (i) is not and will not be, as of August 29, 2001, a "disqualified organization" within the meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the "Code") or an "electing large partnership" within the meaning of Section 775 of the Code, (ii) will endeavor to remain other than a disqualified organization and an electing large partnership for so long as it retains its ownership in the Class R Certificates, and (iii) is acquiring the Class R Certificates for its own account or for the account of another Owner from which it has received an affidavit and agreement in substantially the same form as this affidavit and agreement. (For this purpose, a "disqualified organization" means the United States, any state or political subdivision thereof, any agency or instrumentality of any of the foregoing (other than an instrumentality all of the activities of which are subject to tax and, except for the Federal Home Loan Mortgage Corporation, a majority of whose board of directors is not selected by any such governmental entity) or any foreign government, international organization or any agency or instrumentality of such foreign government or organization, any rural electric or telephone cooperative, or any organization (other than certain farmers' cooperatives) that is generally exempt from federal income tax unless such organization is subject to the tax on unrelated business taxable income). 3. That the Owner is aware (i) of the tax that would be imposed on transfers of Class R Certificates to disqualified organizations under the Code, that applies to all transfers of Class R Certificates after March 31, 1988; (ii) that such tax would be on the transferor, or, if such transfer is through an agent (which person includes a broker, nominee or middleman) for a disqualified organization, on the agent; (iii) that the person otherwise liable for the tax shall be relieved of liability for the tax if the transferee furnishes to such person an affidavit that the transferee is not a disqualified organization and, at the time of transfer, such person does not have actual knowledge that the affidavit is false; and (iv) that the Class R Certificates may be "noneconomic residual interests" within the meaning of Treasury regulations promulgated pursuant to the Code and that the transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax. H-1-1 4. That the Owner is aware of the tax imposed on a "pass-through entity" holding Class R Certificates if at any time during the taxable year of the pass-through entity a disqualified organization is the record holder of an interest in such entity. (For this purpose, a "pass through entity" includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives.) 5. That the Owner is aware that the Trustee will not register the transfer of any Class R Certificates unless the transferee, or the transferee's agent, delivers to it an affidavit and agreement, among other things, in substantially the same form as this affidavit and agreement. The Owner expressly agrees that it will not consummate any such transfer if it knows or believes that any of the representations contained in such affidavit and agreement are false. 6. That the Owner has reviewed the restrictions set forth on the face of the Class R Certificates and the provisions of Section 5.02(g) of the Pooling and Servicing Agreement under which the Class R Certificates were issued (in particular, clause (iii)(A) and (iii)(B) of Section 5.02(g) which authorize the Trustee to deliver payments to a person other than the Owner and negotiate a mandatory sale by the Trustee in the event the Owner holds such Certificates in violation of Section 5.02(g)). The Owner expressly agrees to be bound by and to comply with such restrictions and provisions. 7. That the Owner consents to any additional restrictions or arrangements that shall be deemed necessary upon advice of counsel to constitute a reasonable arrangement to ensure that the Residual Certificates will only be owned, directly or indirectly, by an Owner that is not a disqualified organization. 8. The Owner's Taxpayer Identification Number is ______________. 9. This affidavit and agreement relates only to the Class R Certificates held by the Owner and not to any other holder of the Class R Certificates. The Owner understands that the liabilities described herein relate only to the Class R Certificates. 10. That no purpose of the Owner relating to the transfer of any of the Class R Certificates by the Owner is or will be to impede the assessment or collection of any tax. 11. That the Owner has no present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Certificates remain outstanding. In this regard, the Owner hereby represents to and for the benefit of the person from whom it acquired the Class R Certificates that the Owner intends to pay taxes associated with holding such Class R Certificates as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificates. 12. That the Owner has no present knowledge or expectation that it will become insolvent or subject to a bankruptcy proceeding for so long as any of the Class R Certificates remain outstanding. H-1-2 13. The Owner is a citizen or resident of the United States, a corporation, partnership (including an entity treated as a corporation or partnership for federal income tax purposes) or other entity created or organized in, or under the laws of, the United States or any political subdivision thereof (except, in the case of a partnership, to the extent provided in regulations), provided that with respect to any partnership or other entity treated as a partnership for United States federal income tax purposes, all persons that own an interest in such partnership either directly or through any entity that is not a corporation for United States federal income tax purposes are required by the applicable operative agreement to be United States Persons, an estate or trust whose income from sources without the United States is includable in gross income for United States federal income tax purposes regardless of its connection with the conduct of a trade or business within the United States, or a trust other than a "foreign trust" as defined in Section 7701(a)(31) of the Code; 14. The Purchaser hereby certifies, represents and warrants to, and covenants with the Depositor, the Trustee and the Master Servicer that the following statements in (a) or (b) are accurate: (a) 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 ERISA or Section 4975 of the Internal Revenue Code of 1986 (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") regulation, 29 C.F.R. ss. 2510.3-101 or otherwise under ERISA, and (iii) will not be transferred to any entity that is deemed to be investing in plan assets within the meaning of the DOL regulation, 29 C.F.R. ss. 2510.3-101 or otherwise under ERISA; or (b) The Owner will provide the Trustee, the Depositor and the Master Servicer with an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Depositor and the Master Servicer to the effect that the purchase of Certificates is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under ERISA or Section 4975 of the Code and will not subject the Trustee, the Depositor or the Master Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Pooling and Servicing Agreement. In addition, the Owner hereby certifies, represents and warrants to, and covenants with, the Depositor, the Trustee and the Master Servicer that the Owner will not transfer such Certificates to any Plan or person unless either such Plan or person meets the requirements set forth in either (a) or (b) above. Capitalized terms used but not defined herein shall have the meanings assigned in the Pooling and Servicing Agreement. H-1-3 IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by a [Title of Officer] and its corporate seal to be hereunto attached, attested by a [Assistant] Secretary, this _____ day of _________, 20___. [NAME OF OWNER] By:_______________________ Name: [Name of Officer] Title: [Title of Officer] [Corporate Seal] ATTEST: [Assistant] Secretary Personally appeared before me the above-named [Name of Officer], known or proven to me to be the same person who executed the foregoing instrument and to be a [Title of Officer] of the Owner, and acknowledged to me that he/she executed the same as his/her free act and deed and the free act and deed of the Owner. Subscribed and sworn before me this ______ day of _________, 20___. NOTARY PUBLIC COUNTY OF STATE OF My Commission expires the _____ day of ____________, 20____. EXHIBIT H-2 FORM OF TRANSFEROR CERTIFICATE ---------------, ----- Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 The Chase Manhattan Bank 450 West 33rd Street New York, New York 10001 Re: Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3, Class R-I, Class R-II and Class R-III Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by ________________ (the "Seller") to _______________________ (the "Purchaser") of $ ___________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3, Class R-I, Class R-II and Class R-III (the "Class R Certificates"), pursuant to Section 5.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of August 1, 2001, among Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), Residential Funding Corporation, as master servicer and The Chase Manhattan Bank, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Seller hereby certifies, represents and warrants to, and covenants with, the Depositor and the Trustee that: 1. No purpose of the Seller relating to the transfer of the Certificate by the Seller to the Purchaser is or will be to impede the assessment or collection of any tax. 2. The Seller understands that the Purchaser has delivered to the Trustee and the Master Servicer a transfer affidavit and agreement in the form attached to the Pooling and Servicing Agreement as Exhibit H-1. The Seller does not know or believe that any representation contained therein is false. 3. The Seller has at the time of the transfer conducted a reasonable investigation of the financial condition of the Purchaser as contemplated by Treasury Regulations Section 1.860E- 1(c)(4)(i) and, as a result of that investigation, the Seller has determined that the Purchaser has historically paid its debts as they become due and has found no significant evidence to indicate that the Purchaser will not continue to pay its debts as they become due in the future. The Seller understands that the transfer of a Class R Certificate may not be respected for United States income tax purposes (and the Seller may continue to be liable for United States income taxes associated therewith) unless the Seller has conducted such an investigation. H-2-1 4. The Seller has no actual knowledge that the proposed Transferee is not both a United States Person and a Permitted Transferee. Very truly yours, (Seller) By: ----------------------------- Name: ------------------------------- Title: ------------------------------ H-2-2 EXHIBIT I FORM OF INVESTOR REPRESENTATION LETTER -------------------, ------ Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 The Chase Manhattan Bank 450 West 33rd Street New York, New York 10001 Re: Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3, [Class R-I, Class R-II and Class R-III] [Class B] [Class SB] Ladies and Gentlemen: _________________ (the "Purchaser") intends to purchase from ______________ (the "Seller") $___________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass- Through Certificates, Series 2001-RZ3, [Class R-I, Class R-II and Class R-III] [Class B] [Class SB] (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of August 1, 2001 among Residential Asset Mortgage Products, Inc., as seller (the "Depositor"), Residential Funding Corporation, as master servicer and The Chase Manhattan Bank, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Purchaser hereby certifies, represents and warrants to, and covenants with, the Depositor and the Trustee 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 Depositor 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 Pooling and Servicing 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. I-1 3. The Purchaser is (a) a substantial, sophisticated [institutional] investor having such knowledge and experience in financial and business matters, and, in 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) [a copy of the Private Placement Memorandum, dated ________________, ____, relating to the Certificates (b)] a copy of the Pooling and Servicing Agreement and [b] [c] such other information concerning the Certificates, the Mortgage 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. [If the Purchaser did not purchase the Certificates from the Seller in connection with the initial distribution of the Certificates and was provided with a copy of the Private Placement Memorandum (the "Memorandum") relating to the original sale (the "Original Sale") of the Certificates by the Depositor, the Purchaser acknowledges that such Memorandum was provided to it by the Seller, that the Memorandum was prepared by the Depositor solely for use in connection with the Original Sale and the Depositor did not participate in or facilitate in any way the purchase of the Certificates by the Purchaser from the Seller, and the Purchaser agrees that it will look solely to the Seller and not to the Depositor with respect to any damage, liability, claim or expense arising out of, resulting from or in connection with (a) error or omission, or alleged error or omission, contained in the Memorandum, or (b) any information, development or event arising after the date of the Memorandum.] 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 (e) 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 Pooling and Servicing Agreement. I-2 Very truly yours, (Purchaser) By: -------------- Name: -------------- Title: -------------- I-3 EXHIBIT J FORM OF TRANSFEROR REPRESENTATION LETTER ----------------, ----- Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 The Chase Manhattan Bank 450 West 33rd Street New York, New York 10001 Re: Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3, [Class R-I, Class R-II and Class R-III] [Class B][Class SB] Ladies and Gentlemen: In connection with the sale by __________ (the "Seller") to ______________ (the "Purchaser") of $____________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3, [Class R-I, Class R-II and Class R-III][Class B] [Class SB] (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of August 1, 2001 among Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), Residential Funding Corporation, as master servicer, and The Chase Manhattan Bank, as trustee (the "Trustee"). The Seller hereby certifies, represents and warrants to, and covenants with, the Depositor and the Trustee 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 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 Pooling and Servicing Agreement. J-1 Very truly yours, (Seller) By: -------------- Name: -------------- Title: -------------- J-2 EXHIBIT K TEXT OF AMENDMENT TO POOLING AND SERVICING AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A LIMITED GUARANTY ARTICLE XII Subordinate Certificate Loss Coverage; Limited Guaranty Section 12.01. Subordinate Certificate Loss Coverage; Limited Guaranty. (a) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether it or any Subservicer will be entitled to any reimbursement pursuant to Section 4.02(c) on such Distribution Date for Advances or Subservicer Advances previously made, (which will not be Advances or Subservicer Advances that were made with respect to delinquencies which were subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the Master Servicer shall demand payment from Residential Funding of an amount equal to the amount of any Advances or Subservicer Advances reimbursed pursuant to Section 4.02(c), to the extent such Advances or Subservicer Advances have not been included in the amount of the Realized Loss in the related Mortgage Loan, and shall distribute the same to the Class R Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(c). (b) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether any Realized Losses (other than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses) will be allocated to the Class R Certificates on such Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer shall demand payment from Residential Funding of the amount of such Realized Loss and shall distribute the same to the Class R Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(c); provided, however, that the amount of such demand in respect of any Distribution Date shall in no event be greater than the sum of (i) the additional amount of Accrued Certificate Interest that would have been paid for the Class R Certificateholders on such Distribution Date had such Realized Loss or Losses not occurred plus (ii) the amount of the reduction in the Certificate Principal Balances of the Class R Certificates on such Distribution Date due to such Realized Loss or Losses. Notwithstanding such payment, such Realized Losses shall be deemed to have been borne by the Certificateholders for purposes of Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses allocated to the Class R Certificates will not be covered by the Subordinate Certificate Loss Obligation. (c) Demands for payments pursuant to this Section shall be made prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date by the Master Servicer with written notice thereof to the Trustee. The maximum amount that Residential Funding shall be required to pay pursuant to this Section on any Distribution Date (the "Amount Available") shall be equal to the lesser of (X) __________ minus the sum of (i) all previous K-1 payments made under subsections (a) and (b) hereof and (ii) all draws under the Limited Guaranty made in lieu of such payments as described below in subsection (d) and (Y) the then outstanding Certificate Principal Balances of the Class R Certificates, or such lower amount as may be established pursuant to Section 12.02. Residential Funding's obligations as described in this Section are referred to herein as the "Subordinate Certificate Loss Obligation." (d) The Trustee will promptly notify General Motors Acceptance Corporation of any failure of Residential Funding to make any payments hereunder and shall demand payment pursuant to the limited guaranty (the "Limited Guaranty"), executed by General Motors Acceptance Corporation, of Residential Funding's obligation to make payments pursuant to this Section, in an amount equal to the lesser of (i) the Amount Available and (ii) such required payments, by delivering to General Motors Acceptance Corporation a written demand for payment by wire transfer, not later than the second Business Day prior to the Distribution Date for such month, with a copy to the Master Servicer. (e) All payments made by Residential Funding pursuant to this Section or amounts paid under the Limited Guaranty shall be deposited directly in the Certificate Account, for distribution on the Distribution Date for such month to the Class R Certificateholders. (f) The Depositor shall have the option, in its sole discretion, to substitute for either or both of the Limited Guaranty or the Subordinate Certificate Loss Obligation another instrument in the form of a corporate guaranty, an irrevocable letter of credit, a surety bond, insurance policy or similar instrument or a reserve fund; provided that (i) the Depositor obtains an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that obtaining such substitute corporate guaranty, irrevocable letter of credit, surety bond, insurance policy or similar instrument or reserve fund will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860(F)(a)(1) of the Code or on "contributions after the startup date" under Section 860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding, and (ii) no such substitution shall be made unless (A) the substitute Limited Guaranty or Subordinate Certificate Loss Obligation is for an initial amount not less than the then current Amount Available and contains provisions that are in all material respects equivalent to the original Limited Guaranty or Subordinate Certificate Loss Obligation (including that no portion of the fees, reimbursements or other obligations under any such instrument will be borne by the Trust Fund), (B) the long term debt obligations of any obligor of any substitute Limited Guaranty or Subordinate Certificate Loss Obligation (if not supported by the Limited Guaranty) shall be rated at least the lesser of (a) the rating of the long term debt obligations of General Motors Acceptance Corporation as of the date of issuance of the Limited Guaranty and (b) the rating of the long term debt obligations of General Motors Acceptance Corporation at the date of such substitution and (C) the Depositor obtains written confirmation from each nationally recognized credit rating agency that rated the Class R Certificates at the request of the Depositor that such substitution shall not lower the rating on the Class R Certificates below the lesser of (a) the then-current rating assigned to the Class R Certificates by such rating agency and (b) the original rating assigned to the Class R Certificates by such rating agency. Any replacement of the Limited Guaranty or Subordinate Certificate Loss Obligation pursuant to this Section shall be accompanied by a written Opinion of Counsel to the substitute guarantor or obligor, addressed to the Master Servicer and the Trustee, that such substitute K-2 instrument constitutes a legal, valid and binding obligation of the substitute guarantor or obligor, enforceable in accordance with its terms, and concerning such other matters as the Master Servicer and the Trustee shall reasonably request. Neither the Depositor, the Master Servicer nor the Trustee shall be obligated to substitute for or replace the Limited Guaranty or Subordinate Certificate Loss Obligation under any circumstance. Section 12.02. Amendments Relating to the Limited Guaranty. Notwithstanding Sections 11.01 or 12.01: (i) the provisions of this Article XII may be amended, superseded or deleted, (ii) the Limited Guaranty or Subordinate Certificate Loss Obligation may be amended, reduced or canceled, and (iii) any other provision of this Agreement which is related or incidental to the matters described in this Article XI may be amended in any manner; in each case by written instrument executed or consented to by the Depositor and Residential Funding but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of, the Master Servicer or the Trustee, as applicable; provided that the Depositor shall also obtain a letter from each nationally recognized credit rating agency that rated the Class R Certificates at the request of the Depositor to the effect that such amendment, reduction, deletion or cancellation will not lower the rating on the Class R Certificates below the lesser of (a) the then-current rating assigned to the Class R Certificates by such rating agency and (b) the original rating assigned to the Class R Certificates by such rating agency, unless (A) the Holder of 100% of the Class R Certificates is Residential Funding or an Affiliate of Residential Funding, or (B) such amendment, reduction, deletion or cancellation is made in accordance with Section 11.01(e) and, provided further that the Depositor obtains, in the case of a material amendment or supersession (but not a reduction, cancellation or deletion of the Limited Guaranty or the Subordinate Certificate Loss Obligation), an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment or supersession will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding. A copy of any such instrument shall be provided to the Trustee and the Master Servicer together with an Opinion of Counsel that such amendment complies with this Section 12.02. K-3 EXHIBIT L FORM OF LIMITED GUARANTY LIMITED GUARANTY RESIDENTIAL ASSET SECURITIES CORPORATION Mortgage Asset-Backed Pass-Through Certificates Series 2001-RZ3 ____________________, 20___ The Chase Manhattan Bank 450 West 33rd Street New York, New York 10001 Ladies and Gentlemen: WHEREAS, Residential Funding Corporation, a Delaware corporation ("Residential Funding"), an indirect wholly-owned subsidiary of General Motors Acceptance Corporation, a New York corporation ("GMAC"), plans to incur certain obligations as described under Section 12.01 of the Pooling and Servicing Agreement dated as of August 1, 2001 (the "Servicing Agreement"), among Residential Asset Mortgage Products, Inc. (the "Depositor"), Residential Funding and The Chase Manhattan Bank (the "Trustee") as amended by Amendment No. 1 thereto, dated as of _________, with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3 (the "Certificates"); and WHEREAS, pursuant to Section 12.01 of the Servicing Agreement, Residential Funding agrees to make payments to the Holders of the Class R Certificates with respect to certain losses on the Mortgage Loans as described in the Servicing Agreement; and WHEREAS, GMAC desires to provide certain assurances with respect to the ability of Residential Funding to secure sufficient funds and faithfully to perform its Subordinate Certificate Loss Obligation; NOW THEREFORE, in consideration of the premises herein contained and certain other good and valuable consideration, the receipt of which is hereby acknowledged, GMAC agrees as follows: Provision of Funds. (a) GMAC agrees to contribute and deposit in the Certificate Account on behalf of Residential Funding (or otherwise provide to Residential Funding, or to cause to be made available to Residential Funding), either directly or through a subsidiary, in any case prior to the related Distribution Date, such moneys as may be required by Residential Funding to perform its Subordinate Certificate Loss Obligation when and as the same arises from time to time upon the demand of the Trustee in accordance with Section 11.01 of the Servicing Agreement. L-1 (b) The agreement set forth in the preceding clause (a) shall be absolute, irrevocable and unconditional and shall not be affected by the transfer by GMAC or any other person of all or any part of its or their interest in Residential Funding, by any insolvency, bankruptcy, dissolution or other proceeding affecting Residential Funding or any other person, by any defense or right of counterclaim, set-off or recoupment that GMAC may have against Residential Funding or any other person or by any other fact or circumstance. Notwithstanding the foregoing, GMAC's obligations under clause (a) shall terminate upon the earlier of (x) substitution for this Limited Guaranty pursuant to Section 12.01(f) of the Servicing Agreement, or (y) the termination of the Trust Fund pursuant to the Servicing Agreement. 2. Waiver. GMAC hereby waives any failure or delay on the part of Residential Funding, the Trustee or any other person in asserting or enforcing any rights or in making any claims or demands hereunder. Any defective or partial exercise of any such rights shall not preclude any other or further exercise of that or any other such right. GMAC further waives demand, presentment, notice of default, protest, notice of acceptance and any other notices with respect to this Limited Guaranty, including, without limitation, those of action or nonaction on the part of Residential Funding or the Trustee. 3. Modification, Amendment and Termination. This Limited Guaranty may be modified, amended or terminated only by the written agreement of GMAC and the Trustee and only if such modification, amendment or termination is permitted under Section 12.02 of the Servicing Agreement. The obligations of GMAC under this Limited Guaranty shall continue and remain in effect so long as the Servicing Agreement is not modified or amended in any way that might affect the obligations of GMAC under this Limited Guaranty without the prior written consent of GMAC. 4. Successor. Except as otherwise expressly provided herein, the guarantee herein set forth shall be binding upon GMAC and its respective successors. 5. Governing Law. This Limited Guaranty shall be governed by the laws of the State of New York. 6. Authorization and Reliance. GMAC understands that a copy of this Limited Guaranty shall be delivered to the Trustee in connection with the execution of Amendment No. 1 to the Servicing Agreement and GMAC hereby authorizes the Depositor and the Trustee to rely on the covenants and agreements set forth herein. 7. Definitions. Capitalized terms used but not otherwise defined herein shall have the meaning given them in the Servicing Agreement. 8. Counterparts. This Limited Guaranty may be executed in any number of counterparts, each of which shall be deemed to be an original and such counterparts shall constitute but one and the same instrument. L-2 IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to be executed and delivered by its respective officers thereunto duly authorized as of the day and year first above written. GENERAL MOTORS ACCEPTANCE CORPORATION By:_____________________ Name:__________________ Title:___________________ Acknowledged by: THE CHASE MANHATTAN BANK, as Trustee By:___________________ Name:________________ Title:_________________ RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. By:___________________ Name:________________ Title:_________________ L-3 EXHIBIT M FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN ----------------, ---- Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 The Chase Manhattan Bank 450 West 33rd Street New York, New York 10001 Ladies and Gentlemen: This letter is delivered to you in connection with the assignment by __________________ (the "Trustee") to ___________________ (the "Lender") of __________________ (the "Mortgage Loan") pursuant to Section 3.12(d) of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of August 1, 2001, among Residential Asset Mortgage Products, Inc., as depositor (the "Depositor"), Residential Funding Corporation, as master servicer, and the Trustee. All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Lender hereby certifies, represents and warrants to, and covenants with, the Master Servicer and the Trustee that: (i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction in which an assignment in lieu of satisfaction is required to preserve lien priority, minimize or avoid mortgage recording taxes or otherwise comply with, or facilitate a refinancing under, the laws of such jurisdiction; (ii) the substance of the assignment is, and is intended to be, a refinancing of such Mortgage Loan and the form of the transaction is solely to comply with, or facilitate the transaction under, such local laws; (iii) the Mortgage Loan following the proposed assignment will be modified to have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iv) such assignment is at the request of the borrower under the related Mortgage Loan. M-1 Very truly yours, (Lender) By: --------------- Name: --------------- Title: --------------- M-2 EXHIBIT N [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 Seller, the Trustee and the Master Servicer (as defined in the Pooling and Servicing Agreement (the "Agreement"), dated as of August 1, 2001 among Residential Funding Corporation, as Master Servicer, Residential Asset Mortgage Products, Inc., as Depositor and Bank One, National Association, as trustee, pursuant to Section 5.02 of the Agreement, 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 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 N-1 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 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. Reserved] 4. 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. N-2 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:__________________ N-3 ANNEX 1 TO EXHIBIT N 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 $____________ 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. ____ Insurance Depositor. 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. N-4 ____ 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. ____ Investment Adviser. The Buyer is an investment adviser registered under the Investment Advisers Act of 1940. ____ 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. ____ Business Development Depositor. The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940. ____ 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, 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. 5. The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates 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. N-5 ____ ____ 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: ______________________ N-6 ANNEX 2 TO EXHIBIT N 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 SEC 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 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. N-7 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: __________________ EXHIBIT O FORM OF ERISA LETTER --------------, ---- Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Minneapolis, Minnesota 55437 The Chase Manhattan Bank 450 West 33rd Street New York, New York 10001 Residential Funding Corporation 8400 Normandale Lake Boulevard Suite 600 Minneapolis, MN 55437 Attention: Residential Funding Corporation Series 2001-RZ3 Re: Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3[Class SB] Ladies and Gentlemen: _________________________ (the "Purchaser") intends to purchase from ___________________________ (the "Seller") $_____________ Initial Certificate Principal Balance of Mortgage Pass-Through Certificates, Series 2001-RZ3, Class __ (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of August 1, 2001 among Residential Asset Mortgage Products, Inc., as the company (the "Depositor"), Residential Funding Corporation, as master servicer (the "Master Servicer") and The Chase Manhattan Bank, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Purchaser hereby certifies, represents and warrants to, and covenants with, the Depositor, the Trustee and the Master Servicer that: (a) The Purchaser is not an employee benefit or other plan subject to the prohibited transaction provisions 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") (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or (b) The Purchaser has provided the Trustee, the Depositor and the Master Servicer with an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Depositor and the Master Servicer to the effect that the purchase of Certificates is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under ERISA or Section 4975 of the Code and will not subject the Trustee, the Depositor or the Master Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in the Pooling and Servicing Agreement. In addition, the Purchaser hereby certifies, represents and warrants to, and covenants with, the Depositor, the Trustee and the Master Servicer that the Purchaser will not transfer such Certificates to any Plan or person unless such Plan or person meets the requirements set forth in either (a) or (b) above. Very truly yours, (Purchaser) By: -------------------------- Name: ------------------------ Title: ----------------------- EXHIBIT P ERISA REPRESENTATION LETTER [date] Residential Funding Corporation 8400 Normandale Lake Boulevard, Suite 600 Minneapolis, Minnesota 55437 Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard, Suite 600 Minneapolis, Minnesota 55437 The Chase Manhattan Bank 450 West 33rd Street, 14th Floor, New York, New York 10001 Attention: Residential Asset Mortgage Products Inc. Series 2001-RZ3 Re: Residential Asset Mortgage Products, Inc. Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ3, Class M-__, Class B Ladies and Gentlemen: [__________________________] (the "Purchaser") intends to purchase from [__________________________] (the "Seller") $[____________] initial Certificate Principal Balance of the above-referenced certificates, issued under the pooling and servicing agreement, dated as of August 1, 2001, among Residential Asset Mortgage Products, Inc., as depositor, Residential Funding Corporation, as master servicer and The Chase Manhattan Bank, as trustee. All terms used in this ERISA Representation Letter and not otherwise defined shall have the meanings set forth in the pooling and servicing agreement. The Purchaser hereby certifies, represents and warrants to, and covenants with the Seller, the trustee and the master servicer that, either: (a) The Purchaser is not an ERISA plan, or any other person, including an investment manager, a named fiduciary or a trustee of any Plan, acting, directly or indirectly, on behalf of or purchasing any certificate with "plan assets" of any ERISA plan within the meaning of the DOL regulation at 29 C.F.R. ss.2510.3-101; or (b) The Purchaser is an insurance company, the source of funds to be used by which to purchase the certificates is an "insurance company general account", as the term is defined in DOL Prohibited Transaction Class Exemption 95-60, and the conditions in Sections I and III of PTCE 95-60 have been satisfied. In addition, the Purchaser hereby certifies, represents and warrants to, and covenants with, the Seller, the trustee and the master servicer that the Purchaser will not transfer the certificates to any ERISA plan or person unless that ERISA plan or person meets the requirements in either (a) or (b) above. Very truly yours, By: ___________________ Name:__________________ Title:_________________