EX-10.1 3 rz4psa.txt POOLING & SERVICING AGREEMENT -------------------------------------------------------------------------------- RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC., Depositor, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and JPMORGAN CHASE BANK Trustee POOLING AND SERVICING AGREEMENT Dated as of November 1, 2001 Mortgage Asset-Backed Pass-Through Certificates Series 2001-RZ4 --------------------------------------------------------------------------------
TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01. Definitions..........................................................-5- Accrued Certificate Interest................................................-5- Adjusted Mortgage Rate......................................................-6- Adjusted Net WAC Rate.......................................................-6- Advance.....................................................................-6- Affiliate...................................................................-6- Agreement...................................................................-7- Amount Held for Future Distribution.........................................-7- Appraised Value.............................................................-7- Assignment..................................................................-7- Assignment Agreement........................................................-7- Available Distribution Amount...............................................-7- Bankruptcy Code.............................................................-7- Book-Entry Certificate......................................................-8- Business Day................................................................-8- Calendar Quarter............................................................-8- Cash Liquidation............................................................-8- Certificate.................................................................-8- Certificate Account.........................................................-8- Certificate Account Deposit Date............................................-8- Certificateholder or Holder.................................................-8- Certificate Owner...........................................................-8- Certificate Principal Balance...............................................-9- Certificate Register and Certificate Registrar..............................-9- Class.......................................................................-9- Class A Certificates........................................................-9- Class A-1 Certificate.......................................................-9- Class A-2 Certificate.......................................................-9- Class A-3 Certificate.......................................................-9- Class A-4 Certificate......................................................-10- Class A-5 Certificate......................................................-10- Class A-IO Certificate.....................................................-10- Class A Interest Distribution Amount.......................................-10- Class A Principal Distribution Amount......................................-10- Class M Certificates.......................................................-10- Class M-1 Certificate......................................................-10- Class M-1 Interest Distribution Amount.....................................-11- Class M-1 Principal Distribution Amount....................................-11- -ii- Class M-2 Certificate......................................................-11- Class M-2 Interest Distribution Amount.....................................-11- Class M-2 Principal Distribution Amount....................................-11- Class M-3 Certificate......................................................-11- 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.....................................................-12- Class R-III Certificate....................................................-12- Class SB Certificate.......................................................-12- Closing Date...............................................................-12- Code.......................................................................-12- Compensating Interest......................................................-13- Corporate Trust Office.....................................................-13- Corresponding Certificate..................................................-13- Curtailment................................................................-13- Custodial Account..........................................................-13- Custodial Agreement........................................................-13- Custodian..................................................................-13- Cut-off Date...............................................................-13- Cut-off Date Balance.......................................................-13- Cut-off Date Principal Balance.............................................-13- Debt Service Reduction.....................................................-13- Deficient Valuation........................................................-14- Definitive Certificate.....................................................-14- Deleted Mortgage Loan......................................................-14- Delinquent.................................................................-14- Depository.................................................................-14- Depository Participant.....................................................-14- Destroyed Mortgage Note....................................................-14- Determination Date.........................................................-14- Disqualified Organization..................................................-14- Distribution Date..........................................................-15- Due Date...................................................................-15- Due Period.................................................................-15- Eligible Account...........................................................-15- ERISA......................................................................-16- Event of Default...........................................................-16- Excess Cash Flow...........................................................-16- Excess Fraud Loss..........................................................-16- Excess Loss................................................................-16- Excess Overcollateralization Amount........................................-16- Exchange Date..............................................................-16- Excess Special Hazard Loss.................................................-16- Extraordinary Events.......................................................-16- -iii- Extraordinary Losses.......................................................-17- Fannie Mae.................................................................-17- FASIT......................................................................-17- FDIC.......................................................................-17- Final Distribution Date....................................................-17- Final Scheduled Distribution Date..........................................-17- Fitch......................................................................-17- Foreclosure Profits........................................................-17- Fraud Loss Amount..........................................................-17- Fraud Losses...............................................................-18- Freddie Mac................................................................-18- HomeComings................................................................-18- Independent................................................................-18- Initial Certificate Principal Balance......................................-18- Insurance Proceeds.........................................................-18- Interest Accrual Period....................................................-19- Interest Distribution Amount...............................................-19- Interim Certificates.......................................................-19- Late Collections...........................................................-19- Liquidation Proceeds.......................................................-19- Loan-to-Value Ratio........................................................-19- Marker Rate................................................................-19- Maturity Date..............................................................-20- MERS.......................................................................-20- MERS(R)System...............................................................-20- MIN........................................................................-20- Modified Mortgage Loan.....................................................-20- Modified Net Mortgage Rate.................................................-20- MOM Loan...................................................................-20- Monthly Payment............................................................-20- Moody's....................................................................-21- Mortgage...................................................................-21- Mortgage File..............................................................-21- Mortgage...................................................................-21- Mortgage Loan Schedule.....................................................-21- Mortgage Note..............................................................-22- Mortgage Rate..............................................................-22- Mortgaged Property.........................................................-22- Mortgagor..................................................................-22- Net Mortgage Rate..........................................................-22- Non-Primary Residence Loans................................................-22- Non-United States Person...................................................-22- Nonrecoverable Advance.....................................................-22- Nonsubserviced Mortgage Loan...............................................-22- Notional Amount............................................................-22- Officers' Certificate......................................................-22- -iv- Opinion of Counsel.........................................................-23- Optional Termination Date..................................................-23- Outstanding Mortgage Loan..................................................-23- Overcollateralization Amount...............................................-23- Overcollateralization Increase Amount......................................-23- Overcollateralization Reduction Amount.....................................-23- Ownership Interest.........................................................-23- Pass-Through Rate..........................................................-23- Paying Agent...............................................................-25- Percentage Interest........................................................-25- Permitted Investments......................................................-26- Permitted Transferee.......................................................-27- Person.....................................................................-27- Prepayment Assumption......................................................-27- Prepayment Interest Shortfall..............................................-27- Prepayment Period..........................................................-27- Primary Insurance Policy...................................................-27- Principal Distribution Amount..............................................-28- Principal Prepayment.......................................................-28- Principal Prepayment in Full...............................................-28- Principal Remittance Amount................................................-28- Program Guide..............................................................-28- Purchase Price.............................................................-29- Qualified Substitute Mortgage Loan.........................................-29- Rating Agency..............................................................-29- Realized Loss..............................................................-29- Record Date................................................................-30- Regular Certificates.......................................................-30- Regular Interest...........................................................-30- Relief Act.................................................................-30- REMIC......................................................................-31- REMIC Administrator........................................................-31- REMIC I....................................................................-31- REMIC I Net WAC Rate.......................................................-31- REMIC I Regular Interests..................................................-31- REMIC I Regular Interest LT-1..............................................-31- REMIC I Regular Interest LT-2..............................................-31- REMIC I Regular Interest LT-3..............................................-32- REMIC I Regular Interest LT-4..............................................-32- REMIC I Regular Interest LT-5..............................................-32- REMIC I Regular Interest LT-6..............................................-32- REMIC II...................................................................-32- REMIC II Interest Loss Allocation Amount...................................-32- REMIC II Net WAC Rate......................................................-32- REMIC II Overcollateralization Amount......................................-32- REMIC II Principal Loss Allocation Amount..................................-32- -v- REMIC II Regular Interest MT-IO............................................-33- REMIC II Regular Interest MT-1.............................................-33- REMIC II Regular Interest MT-2.............................................-33- REMIC II Regular Interest MT-3.............................................-33- REMIC II Regular Interest MT-4.............................................-33- REMIC II Regular Interest MT-5.............................................-33- REMIC II Regular Interest MT-6.............................................-33- REMIC II Regular Interest MT-7.............................................-33- REMIC II Regular Interest MT-8.............................................-33- REMIC II Regular Interest MT-9.............................................-33- REMIC II Regular Interest MT-10............................................-34- REMIC II Regular Interests.................................................-34- REMIC II Regular Interest MT-10 Maximum Interest Deferral Amount...........-34- REMIC II Required Overcollateralization Amount.............................-35- REMIC III..................................................................-35- REMIC Provisions...........................................................-35- REO Acquisition............................................................-35- REO Disposition............................................................-35- REO Imputed Interest.......................................................-35- REO Proceeds...............................................................-35- REO Property...............................................................-35- Repurchase Event...........................................................-35- Request for Release........................................................-35- Required Insurance Policy..................................................-35- Required Overcollateralization Amount......................................-36- Residential Funding........................................................-36- Responsible Officer........................................................-36- Servicing Accounts.........................................................-36- Servicing Advances.........................................................-36- Servicing Fee..............................................................-36- Servicing Fee Rate.........................................................-36- Servicing Modification.....................................................-36- Servicing Officer..........................................................-36- Sixty-Plus Delinquency Percentage..........................................-37- Special Hazard Amount......................................................-37- Special Hazard Loss........................................................-37- Standard & Poor's..........................................................-38- Startup Date...............................................................-38- Stated Principal Balance...................................................-38- Stepdown Date..............................................................-38- Subordination..............................................................-38- Subserviced Mortgage Loan..................................................-38- Subservicer................................................................-38- Subservicer Advance........................................................-38- Subservicing Account.......................................................-38- Subservicing Agreement.....................................................-38- -vi- Subservicing Fee...........................................................-39- Tax Returns................................................................-39- Transfer...................................................................-39- Transferee.................................................................-39- Transferor.................................................................-39- Trigger Event..............................................................-39- Trust Fund.................................................................-39- Uniform Single Attestation Program for Mortgage Bankers....................-40- Uncertificated Accrued Interest............................................-40- Uncertificated Notional Amount.............................................-40- Uncertificated Pass-Through Rate...........................................-40- Uncertificated Principal Balance...........................................-40- Uncertificated REMIC I Pass-Through Rate...................................-41- Uncertificated REMIC II Pass-Through Rate..................................-41- Uncertificated Regular Interests...........................................-41- Uninsured Cause............................................................-41- United States Person.......................................................-41- Voting Rights..............................................................-41- Weighted Average Net Mortgage Rate.........................................-42- ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans........................................-43- Section 2.02. Acceptance by Trustee...............................................-46- Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Depositor...........................................................-47- Section 2.04. Representations and Warranties of Residential Funding...............-50- Section 2.05. Execution and Authentication of Certificates; Conveyance of Uncertificated REMIC Regular Interests.............................................-52- Section 2.06. Purposes and Powers of the Trust....................................-52- ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer..................................-54- Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' Obligations; Special Servicing.........-55- Section 3.03. Successor Subservicers..............................................-56- Section 3.04. Liability of the Master Servicer....................................-57- Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders..................................................-57- -vii- Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee ...................................................................-57- Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account.............................................................-57- Section 3.08. Subservicing Accounts; Servicing Accounts...........................-60- Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans...............................................................-61- Section 3.10. Permitted Withdrawals from the Custodial Account....................-61- Section 3.11. Maintenance of Primary Insurance Coverage...........................-63- Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage ...................................................................-64- Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments.....................................-65- Section 3.14. Realization Upon Defaulted Mortgage Loans...........................-67- Section 3.15. Trustee to Cooperate; Release of Mortgage Files.....................-70- Section 3.16. Servicing and Other Compensation; Compensating Interest.............-71- Section 3.17. Reports to the Trustee and the Depositor............................-72- Section 3.18. Annual Statement as to Compliance...................................-72- Section 3.19. Annual Independent Public Accountants' Servicing Report.............-72- Section 3.20. Right of the Depositor in Respect of the Master Servicer............-73- ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account.................................................-74- Section 4.02. Distributions.......................................................-74- Section 4.03. Statements to Certificateholders....................................-80- Section 4.04. Distribution of Reports to the Trustee and the Depositor; Advances by the Master Servicer.....................................................-82- Section 4.05. Allocation of Realized Losses.......................................-83- Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property.......-84- Section 4.07. Optional Purchase of Defaulted Mortgage Loans.......................-84- ARTICLE V THE CERTIFICATES Section 5.01. The Certificates....................................................-86- Section 5.02. Registration of Transfer and Exchange of Certificates...............-87- Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates...................-92- Section 5.04. Persons Deemed Owners...............................................-92- Section 5.05. Appointment of Paying Agent.........................................-92- -viii- ARTICLE VI THE DEPOSITOR AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Depositor and the Master Servicer.....-94- Section 6.02. Merger or Consolidation of the Depositor or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer...............-94- Section 6.03. Limitation on Liability of the Depositor, the Master Servicer and Others ...................................................................-95- Section 6.04. Depositor and Master Servicer Not to Resign.........................-95- ARTICLE VII DEFAULT Section 7.02. Trustee or Depositor to Act; Appointment of Successor...............-98- Section 7.03. Notification to Certificateholders.................................-100- Section 7.04. Waiver of Events of Default........................................-100- ARTICLE VIII CONCERNING THE TRUSTEE...........................................................-101- Section 8.01. Duties of Trustee..................................................-101- Section 8.02. Certain Matters Affecting the Trustee..............................-102- Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans..............-104- Section 8.04. Trustee May Own Certificates.......................................-104- Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification ..................................................................-104- Section 8.06. Eligibility Requirements for Trustee...............................-105- Section 8.07. Resignation and Removal of the Trustee.............................-105- Section 8.08. Successor Trustee..................................................-106- Section 8.09. Merger or Consolidation of Trustee.................................-107- Section 8.10. Appointment of Co-Trustee or Separate Trustee......................-107- Section 8.11. Appointment of Custodians..........................................-108- Section 8.12. Appointment of Office or Agency....................................-108- ARTICLE IX TERMINATION Section 9.01. Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans.....................................................-109- Section 9.02. Additional Termination Requirements................................-111- ARTICLE X REMIC PROVISIONS Section 10.01.REMIC Administration...............................................-113- Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification ..................................................................-116- ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01.Amendment..........................................................-118- Section 11.02.Recordation of Agreement; Counterparts.............................-120- Section 11.03.Limitation on Rights of Certificateholders.........................-120- Section 11.04.Governing Law......................................................-121- Section 11.05.Notices............................................................-121- Section 11.06.Notices to Rating Agencies.........................................-122- Section 11.08.Severability of Provisions.........................................-123- Section 11.10.Supplemental Provisions for Resecuritization.......................-123- -ix- Exhibit A Form of Class A Certificate Exhibit B Form of Class M 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 Certificates
-x- This Pooling and Servicing Agreement, effective as of November 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 JP MORGAN CHASE 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 thirteen 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). 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 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 LATEST POSSIBLE DESIGNATION PASS-THROUGH RATE PRINCIPAL BALANCE MATURITY DATE LT-1 Variable(1) $223,000,239.58 November 25, 2031 LT-2 Variable(1) $ 6,000,000.00 November 25, 2031 LT-3 Variable(1) $ 6,000,000.00 November 25, 2031 LT-4 Variable(1) $ 5,000,000.00 November 25, 2031 LT-5 Variable(1) $ 10,000,000.00 November 25, 2031 LT-6 Variable(1) $ 25,000,000.00 November 25, 2031 R-1 Variable(1) $0.00 November 25, 2031 ------------ (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 subject to this Agreement as a real estate mortgage investment conduit (a "REMIC") for federal income tax -1- 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 LATEST POSSIBLE DESIGNATION PASS-THROUGH RATE PRINCIPAL BALANCE MATURITY DATE MT-1 Variable(1) $269,500,234.79 November 25, 2031 MT-2 Variable(1) $ 803,080.00 November 25, 2031 MT-3 Variable(1) $ 354,720.00 November 25, 2031 MT-4 Variable(1) $ 424,480.00 November 25, 2031 MT-5 Variable(1) $ 531,220.00 November 25, 2031 MT-6 Variable(1) $ 279,000.00 November 25, 2031 MT-7 Variable(1) $ 151,250.00 November 25, 2031 MT-8 Variable(1) $ 130,630.00 November 25, 2031 MT-9 Variable(1) $ 75,620.00 November 25, 2031 MT-10 Variable(1) $ 2,750,004.79 November 25, 2031 MT-IO Variable(2) N/A(3) November 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 6.00% per annum for the December 2001 through May 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 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-
ASS-THROUGH AGGREGATE INITIALMATURITY DATE RATE CERTIFICATE DESIGNATION TYPE P PRINCIPAL BALANCE FEATURES INITIAL RATINGS S&P AND FITCH MOODY'S Class A-1 Senior 3.22%(1)$ 80,308,000.00November 25, 2031 Senior AAA Aaa Class A-2 Senior 3.76%(1)$ 35,472,000.00November 25, 2031 Senior AAA Aaa Class A-3 Senior 4.31%(1)$ 42,448,000.00November 25, 2031 Senior AAA Aaa Class A-4 Senior 5.20%(1)$ 53,122,000.00November 25, 2031 Senior AAA Aaa Class A-5 Senior 5.83%(1)(2)$ 27,900,000.00November 25, 2031 Senior AAA Aaa Senior/Interes Class A-IO Senior 6.00%(3)$ May(25, 2004 Only t AAA Aaa Class M-1 Mezzanine 5.77%(1)(2)$ 15,125,000.00November 25, 2031 Mezzanine AA Aa2 Class M-2 Mezzanine 6.07%(1)(2)$ 13,063,000.00November 25, 2031 Mezzanine A A2 Class M-3 Mezzanine 6.55%(1)(2)(6$ 7,562,000.0November 25, 2031 Mezzanine BBB Baa2 Class SB SubordinateAdjustable(5)$ 2November 25, 2031 Subordinate N/R N/R Class R-I Residual N/A N/ANovember 25, 2031 Residual N/R N/R Class R-II Residual N/A N/ANovember 25, 2031 Residual N/R N/R Class R-III Residual N/A N/ANovember 25, 2031 Residual 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 first possible Optional Termination 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 6.00% per annum for the December 2001 through May 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 equal to the lesser of (a) $52,000,000 for the December 2001 through May 2002 Distribution Dates; $46,000,000 for the June 2002 through November 2002 Distribution Dates; $40,000,000 for the December 2002 through May 2003 Distribution Dates; $35,000,000 for the June 2003 through November 2003 Distribution Dates; $25,000,000 for the December 2003 through May 2004 Distribution Dates; and $0 for Distribution Dates on and after the June 2004 Distribution Date; and (b) the aggregate Stated Principal Balance of the Mortgage Loans, prior to giving effect to scheduled payments of principal during the related Due Period, to the extent received or advanced, and unscheduled collections of principal received during the prior calendar month. (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 May 2004, the Pass-Through Rate on the Class M-3 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 $275,000,240. 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- -4- 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 and Class M 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 and Class M Certificates will be reduced by the amount of: (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 Class A and Class M 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 and Class M 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 and Class M 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 to that Class of Certificates pursuant to Section 4.02(e) or covered by payments pursuant to Section 4.02(c)(vii) and (viii); 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 -5- Interest on the Class A, Class M and Class SB Certificates shall accrue on the basis of a 360-day year consisting of twelve 30-day months. 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 December 2001 Distribution Date through the May 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, the equivalent of the foregoing, expressed as a per annum rate (but not less than zero) equal to the weighted average of (x) the Uncertificated REMIC I Pass-Through Rate with respect to REMIC I Regular Interest LT-1 for such Distribution Date and (y) the excess, if any, of (1) the Uncertificated REMIC I Pass-Through Rate with respect to REMIC I Regular Interest LT-6 for such Distribution Date over (2) (A) in the case of the Distribution Date in December 2001 through the Distribution Date in May 2004, 6.00% per annum and (B) in the case of any Distribution Date thereafter, 0.00% per annum; weighted, (i) for any Distribution Date in December 2001 through May 2002, in the case of clause (x), on the basis of the Uncertificated Principal Balance of REMIC I Regular Interest LT-1, and in the case of clause (y), on the basis of the aggregate Uncertificated Principal Balances of REMIC I Regular Interests LT-2 through LT-6, (ii) for any Distribution Date in June 2002 through November 2002, in the case of clause (x), on the basis of the aggregate Uncertificated Principal Balances of REMIC I Regular Interests LT-1 and LT-2, and in the case of clause (y), on the basis of the aggregate Uncertificated Principal Balance of REMIC I Regular Interests LT-3 through LT-6, (iii) for any Distribution Date in December 2002 through May 2003, in the case of clause (x), on the basis of the aggregate Uncertificated Principal Balances of REMIC I Regular Interests LT-1 through LT-3, and in the case of clause (y), on the basis of the aggregate Uncertificated Principal Balance of REMIC I Regular Interests LT-4 through LT-6, (iv) for any Distribution Date in June 2003 through November 2003, in the case of clause (x), on the basis of the aggregate Uncertificated Principal Balances of REMIC I Regular Interests LT-1 through LT-4, and in the case of clause (y), on the basis of the aggregate Uncertificated Principal Balance of REMIC I Regular Interests LT-5 and LT-6, (v) for any Distribution Date in December 2003 through May 2004, in the case of clause (x), on the basis of the aggregate Uncertificated Principal Balances of REMIC I Regular Interests LT-1 through LT-5, and in the case of clause (y), on the basis of the aggregate Uncertificated Principal Balance of REMIC I 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 -6- 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. 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). -7- Bankruptcy Code: The Bankruptcy Code of 1978, as amended. 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 bylaw 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 "JPMorgan Chase Bank, as trustee, in trust for the registered holders of Residential Asset Mortgage Products, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ4" 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. -8- 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 or Class M 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 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 and Class M Certificates then outstanding. 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, Class SB 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, Class SB 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. -9- 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, Class SB 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, Class SB 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, Class SB 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, Class SB 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) 71.50000000% 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, less $1,375,000. Class M Certificates: Any one of the Class M-1, Class M-2 or Class M-3 Certificates. 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, -10- senior to the Class M-2, Class M-3 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) 82.50000000% 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, less $1,375,000. 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, senior to the Class M-3 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 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) 92.00036364% 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, less $1,375,000. -11- 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, 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 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) 97.50000000% 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, less $1,375,000. 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. 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 and Class M Certificates with respect to distributions and the allocation -12- 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: November 20, 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), 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-RZ4. Corresponding Certificate: With respect to: (i) REMIC II Regular Interest MT-2, the Class A-1 Certificates, (ii) REMIC II Regular Interest MT-3, the Class A-2 Certificates, (iii) REMIC II Regular Interest MT-4, the Class A-3 Certificates, (iv) REMIC II Regular Interest MT-5, the Class A-4 Certificates, (v) REMIC II Regular Interest MT-6, the Class A-5 Certificates, (vi) REMIC II Regular Interest MT-7, the Class M-1 Certificates, (vii) REMIC II Regular Interest MT-8, the Class M-2 Certificates, and (viii) REMIC II Regular Interest MT-9, the Class M-3 Certificates. 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: November 1, 2001. -13- Cut-off Date Balance: $275,000,239.58. 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 November 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 Certificate other than a Book-Entry 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 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(a)(5) 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. -14- 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. 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. 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 -15- 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 JPMorgan Chase 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 sum of (A) the excess of (i) the Available Distribution Amount for that Distribution Date over (ii) the sum of (a) the Interest Distribution Amount for that Distribution Date and (b) the Principal Remittance Amount for that Distribution Date and (B) the Overcollateralization Reduction 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. Excess Overcollateralization Amount: With respect to any Distribution Date, the excess, if any, of (a) the Overcollateralization Amount on that Distribution Date over (b) the Required Overcollateralization Amount on that Distribution Date. 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"; -16- (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; (d) any weapon of war employing atomic fission or radioactive force whether in time of peace or war; or (e) 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. 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 Class A and Class M Certificates, as follows: with respect to the Class A-1 Certificates, October 25, 2019, with respect to the Class A-2 Certificates, February 25, 2023, with respect to the Class A-3 Certificates, May 25, 2026, with respect to the Class A-4 Certificates, March 25, 2030, with respect to the Class A-IO Certificates, May 25, 2004, and with respect to the Class A-5, Class M-1, Class M-2 and Class M-3 Certificates, November 25, 2031. No event of default under this Agreement will arise or become applicable solely by reason of the failure to reduce to zero the entire Certificate Principal Balance or Notional Amount, as applicable, of any Class of Class A or Class M Certificates on or before its Final Scheduled Distribution Date. Fitch: Fitch, Inc., or its successor in interest. -17- 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. 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. -18- 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. 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 and Class M-3 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 and REMIC II Regular Interest MT-10, with the rate on REMIC II Regular Interest MT-2 subject to a cap -19- equal to the lesser of (A) 3.22% per annum and (B) from the December 2001 Distribution Date through the May 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 subject to a cap equal to the lesser of (A) 3.76% per annum and (B) from the December 2001 Distribution Date through the May 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) 4.31% per annum and (B) from the December 2001 Distribution Date through the May 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) 5.20% per annum and (B) from the December 2001 Distribution Date through the May 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 first possible Optional Termination Date, 5.83% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.33% 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 first possible Optional Termination Date, 5.77% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.27% 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 first possible Optional Termination Date, 6.07% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.57% 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 first possible Optional Termination Date, 6.55% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 7.05% 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-10 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, November 25, 2031, which is the 360th Distribution Date, and which is for the Class A-IO Certificates, May 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. -20- 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]; -21- (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 Net Mortgage Rate as of the Cut-off Date ("CURR NET"); (vi) the scheduled monthly payment of principal, if any, and interest as of the Cut- off Date ("ORIGINAL P & I"); (vii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (viii) the Loan-to-Value Ratio at origination ("LTV"); (ix) 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 (x) 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. Mortgaged Property: The underlying real property securing a Mortgage Loan. 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. -22- 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. For federal income tax purposes, however, the Class A-IO Certificates will not have a Notional Amount but will be entitled to 100% of the interest payable on 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, other than REMIC II Regular Interest MT-IO. 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. Optional Termination 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. 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. 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 and Class M Certificates, other than the Class A-IO Certificates, immediately prior to that Distribution Date, less amounts distributable to the Class A and Class M 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 -23- 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. Overcollateralization Reduction Amount: With respect to any Distribution Date for which the Excess Overcollateralization Amount is, or would be, after taking into account all other distributions to be made on that Distribution Date, greater than zero, an amount equal to the lesser of (i) the Excess Overcollateralization Amount for that Distribution Date and (ii) the Principal Remittance 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, (i) from the December 2001 Distribution Date through the May 2004 Distribution Date, the lesser of (A) 3.22% per annum and (B) the REMIC II Net WAC Rate and (ii) thereafter, 3.22% per annum; With respect to the Class A-2 Certificates, (i) from the December 2001 Distribution Date through the May 2004 Distribution Date, the lesser of (A) 3.76% per annum and (B) the REMIC II Net WAC Rate and (ii) thereafter, 3.76% per annum; With respect to the Class A-3 Certificates, (i) from the December 2001 Distribution Date through the May 2004 Distribution Date, the lesser of (A) 4.31% per annum and (B) the REMIC II Net WAC Rate and (ii) thereafter, 4.31% per annum; With respect to the Class A-4 Certificates, (i) from the December 2001 Distribution Date through the May 2004 Distribution Date, the lesser of (A) 5.20% per annum and (B) the REMIC II Net WAC Rate and (ii) thereafter, 5.20% per annum. With respect to the Class A-5 Certificates, (i) from the December 2001 Distribution Date through the May 2004 Distribution Date, the lesser of (A) in the case of any Distribution Date up to and including the first possible Optional Termination Date, 5.83% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.33% per annum and (B) the REMIC II Net WAC Rate and (ii) thereafter, in the case of any Distribution Date up to and including the first possible Optional Termination Date, 5.83% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.33% per annum; With respect to the Class A-IO Certificates and each Interest Accrual Period, 100% of the interest on REMIC II Regular Interest MT-IO; With respect to the Class M-1 Certificates, (i) from the December 2001 Distribution Date through the May 2004 Distribution Date, the lesser of (A) in the case of any Distribution Date up to and including the first possible Optional Termination Date, 5.77% per annum, and in the case of any -24- Distribution Date after the first possible Optional Termination Date, 6.27% per annum and (B) the REMIC II Net WAC Rate and (ii) thereafter, in the case of any Distribution Date up to and including the first possible Optional Termination Date, 5.77% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.27% per annum; With respect to the Class M-2 Certificates, (i) from the December 2001 Distribution Date through the May 2004 Distribution Date, the lesser of (A) in the case of any Distribution Date up to and including the first possible Optional Termination Date, 6.07% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.57% per annum and (B) the REMIC II Net WAC Rate and (ii) thereafter, in the case of any Distribution Date up to and including the first possible Optional Termination Date, 6.07% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.57% per annum; and With respect to the Class M-3 Certificates, the lesser of (A) in the case of any Distribution Date up to and including the first possible Optional Termination Date, 6.55% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 7.05% 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 (x) below, and the denominator of which is the aggregate Uncertificated Principal Balance of the REMIC II Regular Interests other than REMIC II Regular Interest MT-IO. 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; (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; -25- (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; and (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. Paying Agent: JPMorgan Chase Bank or any successor Paying Agent appointed by the Trustee. Percentage Interest: With respect to any Class A 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. 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 -26- 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; 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. -27- Prepayment Assumption: With respect to the Class A and Class M 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. Prepayment Period: As to any Distribution Date, the calendar month preceding the month of distribution. Primary Insurance Policy: With respect to any Mortgage Loan, each primary policy of mortgage guaranty insurance or replacement policy therefor. Each Mortgage Loan with a Primary Insurance Policy is identified 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; -28- (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; minus (vi) the Overcollateralization Reduction 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. 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, -29- (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. Realized Loss: With respect to each Mortgage Loan (or REO Property): (a) 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, (b) which is the subject of a Servicing Modification, (i) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced, and (ii) any such amount with respect to a Monthly Payment that was or -30- 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, (c) 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, or (d) 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. 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, 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; -31- (ii) all payments on and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in November 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 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. -32- 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, 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 (other than REMIC II Regular Interest MT-IO) 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 and MT-9, 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 and MT-9, 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 and MT-10. 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. -33- 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 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 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 and MT-10. REMIC II Regular Interest MT-10 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-10 for such Distribution Date on -34- a balance equal to the Uncertificated Principal Balance of REMIC II Regular Interest MT-10 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) 3.22% per annum and (B) from the December 2001 Distribution Date through the May 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) 3.76% per annum and (B) from the December 2001 Distribution Date through the May 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 Regular Interest MT-4 subject to a cap equal to the lesser of (A) 4.31% per annum and (B) from the December 2001 Distribution Date through the May 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) 5.20% per annum and (B) from the December 2001 Distribution Date through the May 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 first possible Optional Termination Date, 5.83% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.33% 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 first possible Optional Termination Date, 5.77% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.27% 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 first possible Optional Termination Date, 6.07% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 6.57% 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-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 first possible Optional Termination Date, 6.55% per annum, and in the case of any Distribution Date after the first possible Optional Termination Date, 7.05% 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, 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 -35- 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. 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: As of any Distribution Date, (a) if such Distribution Date is prior to the Stepdown Date, 1.25% of the Cut-off Date Balance, or (b) if such Distribution Date is on or after the Stepdown Date, the greater of (i) 2.50% of the then current aggregate Stated Principal Balances of the Mortgage Loans as of the end of the related Due Period and (ii) $1,375,000. The initial amount of overcollateralization is equal to $239.58. Residential Funding: Residential Funding Corporation, a Delaware corporation, in its capacity as seller of the Mortgage Loans to the Depositor and any successor thereto. 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 -36- 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), and as may be adjusted with respect to successor Master Servicers pursuant to Section 7.02. 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 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 $2,750,002 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 -37- 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 26.4% (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 and 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. 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. 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 -38- 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 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 December 2004 and (y) the first Distribution Date on which the sum of the aggregate Certificate Principal Balance of the Class M Certificates and the Overcollateralization Amount immediately prior to that Distribution Date is equal to or greater than 28.50% of the aggregate Stated Principal Balance of the Mortgage Loans as of the end of the preceding Due Period. 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. 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 -39- 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 December 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 December 2006, the aggregate amount of Realized Losses, other than Excess Losses, on the Mortgage 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 December 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. ---------- 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 -40- the extent not covered by Compensating Interest) relating to the Mortgage Loans for any Distribution Date shall be allocated to REMIC I Regular Interests LT-1, LT-2, LT-3, LT-4, LT-5 and LT-6, in that order, 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 MT-1 and REMIC II Regular Interest MT-10 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 MT-1, MT-2, MT-3, MT-4, MT-5, MT-6, MT-7, MT-8, MT-9 and MT-10, 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 II 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 May 2002, the aggregate Uncertificated Principal Balances of 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; with respect to any Distribution Date after May 2002 and in or before November 2002, the aggregate Uncertificated Principal Balances of 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; with respect to any Distribution Date after November 2002 and in or before May 2003, the aggregate Uncertificated Principal Balance of REMIC I Regular Interest LT-4, REMIC I Regular Interest LT-5 and REMIC I Regular Interest LT- 6; with respect to any Distribution Date after May 2003 and in or before November 2003, the aggregate Uncertificated Principal Balances of REMIC I Regular Interest LT-5 and REMIC I Regular Interest LT-6; with respect to any Distribution Date after November 2003 and in or before May 2004, the aggregate Uncertificated Principal Balance of REMIC I 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-10 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: -41- (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 and REMIC II Regular Interest MT-10, 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, 6.00% 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. United States Person: A citizen or resident of the United States, a corporation or a partnership (including an 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 or any State thereof or the District of Columbia (except, in the case of a partnership, to the extent provided in 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 whose income is subject to United States federal income tax regardless of its source, or a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more such United States Persons have the authority to control all substantial decisions of the trust. To the extent prescribed in regulations by the Secretary of the Treasury, which have not yet been issued, a trust which was in existence on August 20, 1996, (other than a trust treated as owned by the grantor under subpart E of part I of subchapter J of chapter 1 of the Code), and which was treated as a United States person on August 20, 1996 may elect to continue to be treated as a United States person notwithstanding the previous sentence. 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) and Class M 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. -42- 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. -43- 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 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 November 2001). (b) In connection with such assignment, except as set forth in Section 2.01(c) below and subject to Section 2.01(d) 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 (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; -44- (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) Notwithstanding the provisions of Section 2.01(c), 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 against the claim of any subsequent transferee or any successor to or creditor of the Depositor or the originator of 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 is lost or returned unrecorded to the Depositor because of any defect therein, the Depositor shall prepare a substitute Assignment 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 (or copy thereof as permitted by Section 2.01(b)) with evidence of recording indicated thereon at the time specified in Section 2.01(c). 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. -45- 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 Uniform Commercial Code as in effect in the State of New York and 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 any and all general intangibles, payment intangibles, accounts, chattel paper, instruments, documents, money, deposit accounts, certificates of deposit, goods, letters of credit, advices of credit and investment property and other property of whatever kind or description now existing or hereafter acquired consisting of, arising from or relating to any of the following: (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, (C) any Uncertificated Regular Interests and (D) 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), (C) and (D) 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, payment intangibles, negotiable documents, goods, deposit accounts, letters of credit, advices of credit, investment property, certificated securities 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 the security interest pursuant to the Uniform Commercial Code as in effect in the States of New York and Minnesota and any other applicable jurisdiction; and -46- (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, 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 -47- 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. 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: -48- (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; (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 -49- (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 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 -50- 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 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 -51- 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 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 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 -52- 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 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. Section 2.06. Purposes and Powers of the Trust. The purpose of the trust, as created hereunder, is to engage in the following activities: (a) to sell the Certificates to the Depositor in exchange for the Mortgage Loans; (b) to enter into and perform its obligations under this Agreement; -53- (c) to engage in those activities that are necessary, suitable or convenient to accomplish the foregoing or are incidental thereto or connected therewith; and (d) subject to compliance with this Agreement, to engage in such other activities as may be required in connection with conservation of the Trust Fund and the making of distributions to the Certificateholders. The trust is hereby authorized to engage in the foregoing activities. Notwithstanding the provisions of Section 11.01, the trust shall not engage in any activity other than in connection with the foregoing or other than as required or authorized by the terms of this Agreement while any Certificate is outstanding, and this Section 2.06 may not be amended, without the consent of the Certificateholders evidencing a majority of the aggregate Voting Rights of the Certificates. -54- 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 commencement, prosecution or 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 as a Principal Prepayment in Full pursuant to -55- 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. 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 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 -56- 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 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. -57- 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) If 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. (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 -58- 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 such 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 re-amortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes, except if such reissuance is described in Treasury Regulation Section 1.860G-2(b)(3). (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; -59- (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 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 -60- 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 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). -61- (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. 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: -62- (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, 3.07(a), 3.08, 3.11, 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) recoveries of amounts in respect of 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; (iv) to pay to itself as additional servicing compensation any interest or investment income earned on funds and other property deposited in or credited to 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; -63- (viii) to reimburse itself or the Depositor for expenses incurred by and reimbursable to it or the Depositor pursuant to Section 3.01(a), 3.11, 3.13, 3.14(c), 6.03, 10.01 or otherwise; (ix) to reimburse itself for Servicing Advances 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. (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 -64- 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 owing on such 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). -65- 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. (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. -66- (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 either (i) both (A) constitute a "significant modification" effecting an exchange or reissuance of such Mortgage Loan under the REMIC Provisions and (B) cause any portion of REMIC I, REMIC II or REMIC III to fail to qualify as a REMIC under the Code or (subject to Section 10.01(f)), result in the imposition of any tax on "prohibited transactions" or (ii) constitute "contributions" after the start-up 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 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 -67- adversely affected thereby and that any portion of REMIC I, REMIC II or REMIC III would not fail to continue to qualify as a REMIC under the Code as a result thereof and (subject to Section 10.01(f)) that no tax on "prohibited transactions" or "contributions" after the startup day would be imposed on any such REMIC 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 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 -68- 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 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 -69- 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 as soon as practicable, giving due consideration to the interests of the Certificateholders, but in all cases within three full years after the 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 (subject to Section 10.01(f)) 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 such recovery is of an amount previously allocated to one or more Classes of Certificates as a Realized Loss, such recovery shall be allocated among such Classes in the same proportions as the allocation of such Realized Losses and, 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 -70- (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. (e) In the event of a default on a Mortgage Loan one or more of whose obligors is not a United States Person, in connection with any foreclosure or acquisition of a deed in lieu of foreclosure (together, "foreclosure") in respect of such Mortgage Loan, the Master Servicer will cause compliance with the provisions of Treasury Regulation Section 1.1445-2(d)(3) (or any successor thereto) necessary to assure that no withholding tax obligation arises with respect to the proceeds of such foreclosure except to the extent, if any, that proceeds of such foreclosure are required to be remitted to the obligors on such Mortgage Loan. 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 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 -71- 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 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. -72- (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). 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 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 relating to this Agreement 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 -73- 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 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, enforce the obligations of the Master Servicer hereunder and 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 any 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. -74- 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 required to be paid pursuant to Section 9.01, and (v) 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: (i) to the extent of the Available Distribution Amount, first, to the Holders of REMIC I Regular Interests LT-2, LT-3, LT-4, LT-5 and LT6, 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 -75- 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 I Regular Interest LT-3, until the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest LT- 3 is reduced to zero; (D) to the Holders of Uncertificated REMIC I Regular Interest LT-4, until the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest LT- 4 is reduced to zero; (E) to the Holders of Uncertificated REMIC I Regular Interest LT-5, until the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest LT- 5 is reduced to zero; (F) to the Holders of Uncertificated REMIC I Regular Interest LT-6, until the Uncertificated Principal Balance of Uncertificated REMIC I 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: (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 and REMIC II Regular Interest MT-10, 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 -76- Uncertificated Accrued Interest in respect of REMIC II Regular Interest MT-10 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-10 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 and REMIC II Regular Interest MT-9 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 and Class M-3 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 and MT-9, 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, respectively; and (C) to the Holders of the REMIC II Regular Interest MT-10, 1.00% of such remainder; (3) any remaining amounts to the Holders of the Class R-II Certificates. (4) 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 -77- 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 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) 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; -78- (C) third, to the Class M-2 Certificateholders, until the Certificate Principal Balance of the Class M-2 Certificates has been reduced to zero; and (D) fourth, to the Class M-3 Certificateholders, until the Certificate Principal Balance of the Class M-3 Certificates has been reduced to zero. (vi) 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; and (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; (vii) to the Class A and Class M Certificateholders on a pro rata basis, based on Accrued Certificate Interest otherwise due thereon, 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 as described in Section 4.02(e), to the extent not covered by Compensating Interest on such Distribution Date; (viii) to the Class A and Class M Certificateholders on a pro rata basis, based on unpaid Prepayment Interest Shortfalls previously allocated thereto, from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, the amount of any Prepayment Interest Shortfalls previously allocated thereto remaining unpaid from prior Distribution Dates together with interest thereon; (ix) to the Class SB Certificates, from the amount, if any, of the Available Distribution Amount remaining after the foregoing distributions, Accrued Certificate Interest -79- thereon for such Distribution Date plus any Overcollateralization Reduction Amount for such Distribution Date; and (x) 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)(v) and (vi) 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 Certificates (other than the Class A-IO Certificates) and Class M 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)(vii) and (viii), 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 Loss to Excess Cash Flow will be treated as an allocation of a Realized Loss to the Class A and Class M 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 -80- 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; (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; -81- (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; (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 weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xvii) 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, -82- 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 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 Amount, (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 and (iv) to the extent required, a report detailing the Stated Principal Balance, Mortgage Rate, Modified Mortgage Rate and remaining term to maturity 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 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 -83- 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, 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 M-3 Certificates; fourth, to the Class M-2 Certificates; fifth, to the Class M-1 Certificates; and thereafter, to the Class A Certificates on a pro rata basis, as described below. Any Excess Losses on the Mortgage Loans will be allocated to the Class A and Class M Certificates on a pro rata basis, as described below, in an amount equal to a fraction of such losses equal to (x) the aggregate Certificate Principal Balance of the Class A and Class M Certificates over (y) the aggregate Stated Principal -84- 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) An allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution Date in the case of the principal portion of a Realized Loss or based on the Accrued Certificate Interest thereon payable on such Distribution Date (without regard to any Compensating Interest for such Distribution Date) in the case of an interest portion of a Realized Loss. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Class A or Class M 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. (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-10 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-10 up to an aggregate amount equal to the REMIC II Principal Loss Allocation Amount, 98% and 2%, respectively; third, to the Uncertificated Principal Balance of REMIC II Regular Interest MT-1, 98%, REMIC II Regular Interests MT-2, MT-3, MT-4, MT-5, MT- 6, MT-7, MT-8 and MT-9, 1%, pro rata with the amount of Realized Losses allocated to the Corresponding Certificates, and REMIC II Regular Interest MT-10, 1%, respectively, until the Uncertificated Principal Balances of REMIC II Regular Interest MT-2, MT-3, MT-4, MT-5, MT-6, MT-7, MT-8 and MT-9 have been reduced to zero. 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 -85- 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. -86- ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) The Class A, Class M, Class SB and Class R Certificates shall be substantially in the forms set forth in Exhibits A, B, 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 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 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. -87- 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 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. -88- (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 Class 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 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. 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 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 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. -89- (e) In the case of any Class M, 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 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 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 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: (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 -90- 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 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 -91- 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, 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 or Class M 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 -92- (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 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 or the Certificate Registrar shall be affected by notice to the contrary except as provided in Section 5.02(f). -93- 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, 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. -94- 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 or Class M 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 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 -95- 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 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 -96- 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. -97- 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 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 -98- 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 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. -99- 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 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 -100- 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. 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) or (ii)). 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 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. -101- 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 the Trustee by the Depositor or the Master Servicer and which on their face, do not contradict the requirements of this Agreement; -102- (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: (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; -103- (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 (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 -104- 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 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. -105- (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 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 -106- 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 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 -107- 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. 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. -108- (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. 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 -109- 11.05(c) hereof where notices and demands to or upon the Trustee in respect of this Agreement may be served. -110- 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 first possible Optional Termination 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 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. -111- In addition to the foregoing, on any Distribution Date on or after the first possible Optional Termination Date, the Master Servicer shall have the right, at its option, to purchase the Class A and Class M 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. If the Master Servicer exercises this right to purchase the outstanding Class A and Class M Certificates, the Master Servicer will promptly terminate the respective obligations and responsibilities created hereby in respect of these Certificates pursuant to this Article IX. (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 and Class M Certificates, plus Accrued Certificate Interest thereon for the related Interest Accrual Period and any previously unpaid Accrued Certificate Interest. (d) In the event that any Certificateholders shall not surrender their Certificates for final payment and -112- 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 (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 -113- 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. -114- 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 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 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 -115- 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 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 -116- 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 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 -117- 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 November 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. Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification. (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. -118- (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. -119- ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (a) Subject to Section 2.06, 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 (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 -120- 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) Subject to Section 2.06, 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, or (ii) 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 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 -121- 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 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. -122- (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. 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-RZ4 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 -123- 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, (iii) the termination or appointment of a successor Master Servicer or Trustee or a change in the majority ownership of the Trustee, (iv) 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, (v) the statement required to be delivered to the Holders of each Class of Certificates pursuant to Section 4.03, (vi) the statements required to be delivered pursuant to Sections 3.18 and 3.19, (vii) a change in the location of the Custodial Account or the Certificate Account, (viii) 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, (ix) the occurrence of the Final Distribution Date, and (x) the repurchase of or substitution for any Mortgage Loan, -124- 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. (a) 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 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. -125- 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 JPMORGAN CHASE BANK, as Trustee [Seal] By: __________________________ Name: Mark McDermott Title: Assistant Vice President Attest: -------------------------- Name: Title: -126- STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 20th day of November, 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] -127- STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 20th day of November, 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] -128- STATE OF NEW YORK ) ) ss.: COUNTY OF NEW YORK ) On the 20th day of November, 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 JPMorgan Chase 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] -129- EXHIBIT A FORM [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 SECTION 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986. 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. Class A-_ Senior Certificate No. 1 ____% Pass-Through Rate Date of Pooling and Servicing Agreement and Cut-off Date: Percentage Interest: 100% November 1, 2001 First Distribution Date: Aggregate Initial Certificate Principal December 26, 2001 Balance of the Class A-_ Certificates: $_________ Master Servicer: Residential Funding Corporation Final Scheduled Distribution Date: Initial Certificate Principal Balance _______ __, ____ of this Class A-_ Certificate: $__________ Maturity Date: November 25, 2031 CUSIP: _________ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ4 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 __________ 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 JPMorgan Chase Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the 2 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 Business Day, of the month next 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 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 of this Certificate is set forth above. The Certificate Principal Balance 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, 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 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 there upon 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 4 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 M 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. 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. 5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: Authorized Signatory Dated: November 20, 2001 CERTIFICATE OF AUTHENTICATION This is one of the Class A-_ Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: _______________________________ Authorized Signatory 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 B FORM OF CLASS M-_ CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A 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 THE TRUSTEE HAS RECEIVED AN OFFICER'S CERTIFICATE TO THE EFFECT THAT SUCH RESTRICTIONS NO LONGER APPLY, OR 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 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 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 WELL 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(E) OF THE POOLING AND SERVICING AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE MASTER SERVICE], 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.
Class M-_ Mezzanine Certificate No. 1 Date of Pooling and Servicing ____% Pass-Through Rate Agreement and Cut-off Date November 1, 2001 Aggregate Certificate Principal Balance of the : Class M-_ Certificates: $_________ First Distribution Date: December 26, 2001 Initial Certificate Principal Balance of this : Certificates: Master Servicer: $__________ Residential Funding Corporation Final Scheduled Distribution Date: CUSIP: ___________ November 25, 2031 Maturity Date: November 25, 2031
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ4 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 __________ 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 JPMorgan Chase 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 Business Day, of the month next 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, if any, required to be distributed to Holders of Class M-_ 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, unless an Officer's Certificate to the effect that such restrictions no longer apply has been delivered to the trustee in accordance with the pooling and servicing agreement, 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(e) 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(e) 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"). 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 Ceitificateholders 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 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 Class A and Class M 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. 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. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: __________________________ Authorized Signatory Dated: November 20, 2001 CERTIFICATE OF AUTHENTICATION This is one of the Class M-_ Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: __________________________ Authorized Signatory 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 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(E) OF THE AGREEMENT IN THE FORM OF EXHIBIT P TO THE AGREEMENT, WHICH THE TRUSTEE MAY RELY UPON WITHOUT FURTHER INQUIRY OR INVESTIGATION. Class SB Subordinate Certificate No. 1 Date of Pooling and Servicing Percentage Interest: 100% and Cut-off Date: November 1, 2001 First Distribution Date: Aggregate Initial Certificate Principal Balance December 26, 2001 of the Class SB Certificates: $_____ Master Servicer: Initial Certificate Notional Amount Residential Funding Corporation of this Certificate: $___________ Final Scheduled Distribution Date: CUSIP: __________ November 25, 2031 Maturity Date: November 25, 2031
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ4 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 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 _________ 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 JPMorgan Chase 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 Business Day, of the month next 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, if any, required to be distributed to Holders of Class SB 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 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. 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 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 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 and the Insurer 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 and the Insurer. 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, 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 M 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. 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. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: Authorized Signatory Dated: November 20, 2001 CERTIFICATE OF AUTHENTICATION This is one of the Class SB Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: _______________________________ Authorized Signatory 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 D FORM OF CLASS R-_ CERTIFICATE THE CLASS R-_ 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 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(E) 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 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. Class R-_ Certificate No. 1 Date of Pooling and Servicing Percentage Interest: 100% Agreement and Cut-off Date: November 1, 2001 First Distribution Date: Final Scheduled Distribution Date: December 26, 2001 November 25, 2031 Master Servicer: Residential Funding Corporation MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATES SERIES 2001-RZ4 evidencing a percentage interest in any distributions allocable to the Class R-_ 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 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 or 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 _______________________________ 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 JPMorgan Chase 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 3 "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 Business Day, of the month next 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, 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, (ii) 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-_ 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 4 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 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 5 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 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 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 M 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. 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. 6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. JPMORGAN CHASE BANK, as Trustee By: Authorized Signatory Dated: November 20, 2001 CERTIFICATE OF AUTHENTICATION This is one of the Class R-_ Certificates referred to in the within-mentioned Agreement. JPMORGAN CHASE BANK, as Certificate Registrar By: _______________________________ Authorized Signatory 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 November 1, 2001, by and among JPMORGAN CHASE 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 November 1, 2001, relating to the issuance of Residential Asset Mortgage Products, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ4 (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: ARTICLE I 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. ARTICLE II Custody of Mortgage Documents Section 2.1 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. Section 2.2 Recordation of Assignments. If any Mortgage File includes one or more assignments of the related Mortgage Loans 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. Section 2.3 Review of Mortgage Files. (a) On or prior to the Closing Date, the Custodian shall deliver to the Trustee and the Insurer 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. (b) Within 45 days of the initial issuance of the Certificates, the Custodian agrees, for the benefit of Certificateholders and the Insurer, to review in accordance with the provisions of Section 2.02 of the Pooling Agreement each Mortgage File and to deliver to the Trustee and the Insurer 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. 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. E-2 (c) Upon receipt of all documents required to be in the Mortgage Files the Custodian shall deliver to the Trustee and the Insurer 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. Section 2.4 Notification of Breaches of Representations and Warranties. If the Custodian discovers, in the course of performing custodial functions, 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. Section 2.5 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. 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 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. E-3 Upon the request of the Master Servicer, the Custodian will send to the Master Servicer copies of any documents contained in the Mortgage File. Section 2.6 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. ARTICLE III Concerning the Custodian Section 3.1 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. Section 3.2 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, 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. E-4 Section 3.3 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. Section 3.4 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. Section 3.5 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. Section 3.6 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 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. E-5 Section 3.7 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. ARTICLE IV Miscellaneous Provisions Section 4.1 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. Section 4.2 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. 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. Section 4.4 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 Section 4.5 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: JPMORGAN CHASE BANK as Trustee 450 West 33rd Street - 14th Floor New York, New York 10001 By:__________________________ Attention: Residential Asset Mortgage Name: ______________ Products, Inc., Series 2001-RZ4 Title: ______________ Address: RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 By:__________________________ Name: ____________ Title: ____________ Address: RESIDENTIAL FUNDING CORPORATION, as Master 8400 Normandale Lake Boulevard Servicer Suite 250 Minneapolis, Minnesota 55437 By:__________________________ Name: ____________ Title: ___________ Address: WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION Mortgage Document Custody One Meridian Crossings - 3rd Floor Richfield, Minnesota 55423 By:__________________________ Name: ____________ Title: ____________ E-7 STATE OF NEW YORK ) )ss.: COUNTY OF NEW YORK ) On the 20th day of November, 2001, before me, a notary public in and for said State, personally appeared ______________, known to me to be a ______________ of JPMorgan Chase 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-7 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 20th day of November, 2001, before me, a notary public in and for said State, personally appeared ______________, known to me to be a ____________ 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 20th day of November, 2001, before me, a notary public in and for said State, personally appeared, ____________, known to me to be a __________ 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-7 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 20th day of October, 2001, before me, a notary public in and for said State, personally appeared ____________, known to me to be an ______________ of Wells Fargo Bank Minnesota, National Association, 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 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 E-7 EXHIBIT ONE FORM OF CUSTODIAN INITIAL CERTIFICATION November 20, 2001 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Residential Asset Mortgage Products, Inc., Series 2001-RZ4 Re: Custodial Agreement, dated as of November 20, 2001, by and among JPMorgan Chase 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-RZ4 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-7 EXHIBIT TWO FORM OF CUSTODIAN INTERIM CERTIFICATION November 20, 2001 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Residential Asset Mortgage Products, Inc., Series 2001-RZ4 Re: Custodial Agreement, dated as of November 20, 2001, by and among JPMorgan Chase 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-RZ4 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-7 EXHIBIT THREE FORM OF CUSTODIAN FINAL CERTIFICATION November 20, 2001 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Residential Asset Mortgage Products, Inc., Series 2001-RZ4 Re: Custodial Agreement, dated as of November 20, 2001, by and among JPMorgan Chase 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-RZ4 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 relate 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-7 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-7 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-7 EXHIBIT F Mortgage Loan Schedule RUN ON : 11/14/01 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 12.00.22 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RAMP 2001-RZ4 CUTOFF : 11/01/01 POOL : 0004550 : : 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 --------------------------------------------------------------------------- 4669764 .2500 348,472.13 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4673805 .2500 97,728.29 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4683431 .2500 127,310.05 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4697852 .2500 159,366.03 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4707376 .2500 293,196.08 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4740157 .2500 72,442.07 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 1 4784680 .2500 226,406.54 .0500 10.2500 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 4786164 .2500 85,842.51 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 4791954 .2500 94,192.64 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 4858616 .2500 136,744.43 .0500 10.8750 .0000 10.6250 .0000 10.5750 .0000 10.5750 .0000 4871894 .2500 40,200.75 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 4881260 .2500 128,437.03 .0500 10.6250 .0000 10.3750 .0000 10.3250 .0000 10.3250 .0000 4894617 .2500 246,996.51 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4896523 .2500 130,568.27 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 1 4899473 .2500 189,053.01 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4899662 .2500 196,661.10 .0500 7.7500 .0000 7.5000 .0000 7.4500 .0000 7.4500 .0000 4905845 .2500 164,410.19 .0500 10.2500 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 4911499 .2500 108,964.62 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4917964 .2500 224,120.92 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 4923633 .2500 94,559.30 .0500 10.8750 .0000 10.6250 .0000 10.5750 .0000 10.5750 .0000 4923769 .2500 71,489.20 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 4931550 .2500 201,555.22 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 1 4938707 .2500 179,943.73 .0500 10.2500 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 4939874 .2500 143,647.31 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 4940645 .2500 224,618.78 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4941762 .2500 153,523.08 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 4951661 .2500 29,872.84 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 4957416 .2500 63,869.20 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4963681 .2500 78,139.98 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 4967382 .2500 69,211.91 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 4968677 .2500 74,858.45 .0500 8.3500 .0000 8.1000 .0000 8.0500 .0000 8.0500 .0000 4970637 .2500 123,231.43 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4975611 .2500 90,787.75 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4977707 .2500 78,829.28 .0500 12.0000 .0000 11.7500 .0000 11.7000 .0000 11.7000 .0000 4985345 .2500 324,182.10 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 4986601 .2500 121,792.29 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4991013 .2500 136,795.16 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 4994754 .2500 196,430.48 .0500 8.3750 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 1 4995784 .2500 89,620.18 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 4997119 .2500 88,937.85 .0500 8.9900 .0000 8.7400 .0000 8.6900 .0000 8.6900 .0000 4997990 .2500 112,644.02 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 4998765 .2500 256,759.61 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5004374 .2500 105,086.77 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5004517 .2500 149,109.47 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5004814 .2500 191,157.94 .0500 11.3750 .0000 11.1250 .0000 11.0750 .0000 11.0750 .0000 5007164 .2500 387,185.70 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 1 5007288 .2500 240,409.17 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5009809 .2500 135,583.79 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5013380 .2500 132,496.80 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5013734 .2500 76,837.19 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5016273 .2500 33,183.78 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5017125 .2500 93,299.39 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5019217 .2500 94,568.71 .0500 9.1750 .0000 8.9250 .0000 8.8750 .0000 8.8750 .0000 5019418 .2500 189,023.89 .0500 8.3750 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 1 5022853 .2500 344,315.62 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5023138 .2500 89,947.32 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5024385 .2500 232,442.21 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5025404 .2500 107,806.04 .0500 10.3750 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 5025580 .2500 76,931.59 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 5026304 .2500 97,684.21 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5028194 .2500 90,306.62 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5028914 .2500 97,387.41 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 1 5029041 .2500 125,875.05 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5030376 .2500 106,869.90 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5033037 .2500 278,030.62 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5033841 .2500 83,429.15 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5033972 .2500 94,854.96 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5034470 .2500 109,757.56 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5035900 .2500 61,629.62 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5035915 .2500 126,659.95 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5037284 .2500 101,827.17 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5043944 .2500 80,090.21 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5044642 .2500 142,185.13 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5045309 .2500 102,834.31 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5046096 .2500 116,386.57 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5046438 .2500 129,675.19 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5047143 .2500 164,412.59 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5048576 .2500 157,764.96 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 5050240 .2500 69,429.08 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5050255 .2500 121,798.58 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5051649 .2500 191,406.84 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5053946 .5000 183,245.29 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5054824 .2500 208,764.79 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5055464 .2500 257,181.91 .0500 10.3750 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 5055956 .2500 174,732.81 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5056777 .2500 118,573.39 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 5058369 .2500 143,686.54 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5058647 .2500 100,196.98 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5059343 .2500 159,799.16 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5061915 .2500 169,400.51 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5063442 .2500 250,978.95 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5068873 .2500 130,677.89 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5068874 .2500 132,658.24 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5069621 .2500 133,552.52 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 1 5074782 .2500 193,060.59 .0500 10.8750 .0000 10.6250 .0000 10.5750 .0000 10.5750 .0000 5074810 .2500 210,623.58 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5075482 .2500 226,160.51 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5075774 .2500 87,136.18 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5077166 .2500 151,436.27 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5078268 .2500 77,041.31 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5078522 .2500 237,627.46 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5078773 .2500 84,866.80 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5079035 .2500 103,777.10 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5080501 .2500 368,258.62 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5080631 .2500 152,719.95 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5081522 .2500 124,089.39 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5081797 .2500 96,049.06 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5082058 .2500 77,143.83 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 5082411 .2500 114,749.47 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5087477 .2500 123,695.04 .0500 10.3750 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 1 5093599 .2500 243,575.77 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5095873 .2500 159,374.81 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5096181 .2500 128,625.37 .0500 11.5000 .0000 11.2500 .0000 11.2000 .0000 11.2000 .0000 5096240 .2500 261,739.12 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5096380 .2500 251,902.35 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 5096638 .2500 181,948.85 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5098422 .2500 84,343.93 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 5099251 .2500 188,164.66 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 1 5099659 .2500 154,298.67 .0500 10.1250 .0000 9.8750 .0000 9.8250 .0000 9.8250 .0000 5100431 .2500 80,296.20 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5101227 .2500 82,324.48 .0500 11.7500 .0000 11.5000 .0000 11.4500 .0000 11.4500 .0000 5101668 .2500 142,270.76 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5103285 .2500 122,796.92 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5103655 .2500 162,462.16 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5104461 .2500 224,219.44 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5106736 .2500 64,101.95 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 1 5110584 .2500 240,320.51 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5111658 .2500 106,835.67 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5113806 .2500 202,989.58 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5114303 .2500 115,368.91 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5116574 .2500 119,871.79 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5116790 .2500 212,586.89 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5119361 .2500 138,532.55 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5120183 .2500 123,354.37 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5120428 .2500 87,444.69 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5121358 .2500 239,613.92 .0500 9.1250 .0000 8.8750 .0000 8.8250 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.0000 10.7500 .0000 10.7000 .0000 10.7000 .0000 5763084 .2500 270,760.40 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5763426 .2500 145,359.59 .0500 8.3750 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 1 5767220 .2500 69,962.75 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5767230 .5000 147,745.85 .0500 10.8750 .0000 10.3750 .0000 10.3250 .0000 10.3250 .0000 5767238 .2500 49,373.02 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5767256 .5000 55,069.90 .0500 9.0000 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5767276 .2500 49,370.83 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5767354 .5000 77,220.92 .0500 10.7500 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5767366 .5000 267,699.18 .0500 10.7500 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5767370 .5000 76,170.53 .0500 10.6250 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 1 5767398 .5000 139,941.29 .0500 10.2500 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 5767414 .5000 44,780.53 .0500 9.0000 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5767422 .2500 39,876.44 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5767424 .2500 39,401.73 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5767426 .2500 379,745.02 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5767460 .2500 127,638.56 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5767464 .2500 272,654.73 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 5785330 .5000 97,821.22 .0500 11.8750 .0000 11.3750 .0000 11.3250 .0000 11.3250 .0000 1 5785366 .5000 230,345.31 .0500 8.5000 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5785370 .2500 110,306.15 .0500 10.5000 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5785416 .2500 140,523.20 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5785428 .2500 123,534.23 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5785434 .2500 149,920.18 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5785442 .2500 184,575.00 .0500 8.1250 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 5797178 .2500 77,040.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5801634 .2500 190,451.21 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5807212 .2500 87,300.00 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 5811716 .2500 144,700.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5811732 .2500 299,736.19 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5811738 .5000 87,949.37 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5811754 .2500 339,359.65 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5811778 .5000 44,150.00 .0500 9.0000 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5811784 .5000 87,446.99 .0500 8.5000 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5811788 .2500 156,000.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 1 5811796 .2500 123,185.33 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5811832 .5000 90,605.87 .0500 10.7500 .0000 10.2500 .0000 10.2000 .0000 10.2000 .0000 5811840 .2500 178,069.07 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 5811842 .2500 132,910.76 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5811866 .5000 130,098.28 .0500 10.5000 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 5811890 .2500 171,638.00 .0500 9.6250 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5811896 .2500 157,000.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5811928 .5000 98,833.64 .0500 8.0000 .0000 7.5000 .0000 7.4500 .0000 7.4500 .0000 1 5811932 .5000 239,827.00 .0500 8.3750 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 5811934 .2500 101,912.58 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5811938 .5000 74,000.00 .0500 8.3750 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 5811940 .2500 134,950.00 .0500 7.8750 .0000 7.6250 .0000 7.5750 .0000 7.5750 .0000 5811954 .2500 185,301.33 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5812678 .2500 126,396.38 .0500 8.3750 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 5813064 .2500 69,550.00 .0500 8.9500 .0000 8.7000 .0000 8.6500 .0000 8.6500 .0000 5820010 .2500 122,853.45 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 1 5827208 .2500 150,313.47 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5828036 .2500 239,872.28 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5830860 .2500 157,049.79 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5835852 .2500 89,572.14 .0500 11.6250 .0000 11.3750 .0000 11.3250 .0000 11.3250 .0000 5837490 .2500 79,800.00 .0500 12.0000 .0000 11.7500 .0000 11.7000 .0000 11.7000 .0000 5851414 .2500 299,600.00 .0500 8.4900 .0000 8.2400 .0000 8.1900 .0000 8.1900 .0000 5852802 .2500 42,790.72 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5860340 .2500 150,967.49 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 5860390 .2500 52,100.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5860440 .5000 250,000.00 .0500 8.1250 .0000 7.6250 .0000 7.5750 .0000 7.5750 .0000 5860454 .5000 197,679.49 .0500 11.0000 .0000 10.5000 .0000 10.4500 .0000 10.4500 .0000 5860464 .2500 169,950.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5860468 .2500 180,000.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5860490 .5000 143,200.00 .0500 8.2500 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5860494 .5000 178,190.00 .0500 11.0000 .0000 10.5000 .0000 10.4500 .0000 10.4500 .0000 5860514 .2500 89,900.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 1 5860520 .2500 68,458.50 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5860544 .2500 177,500.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5860592 .5000 78,018.00 .0500 9.0000 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5860596 .2500 122,502.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5860600 .2500 113,850.00 .0500 8.3750 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 5860616 .2500 277,500.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5860830 .2500 230,095.50 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5865338 .2500 150,811.63 .0500 8.3750 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 1 5866604 .2500 71,974.33 .0500 11.0000 .0000 10.7500 .0000 10.7000 .0000 10.7000 .0000 5867320 .2500 198,058.88 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5871820 .2500 217,265.92 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5886846 .5000 101,800.00 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5886852 .5000 69,000.00 .0500 9.2500 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5886874 .2500 71,997.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5886888 .5000 92,800.00 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5886970 .5000 130,800.00 .0500 10.3750 .0000 9.8750 .0000 9.8250 .0000 9.8250 .0000 1 5886986 .2500 89,095.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 5886994 .5000 115,850.00 .0500 8.6250 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 5886996 .2500 137,750.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5910508 .2500 99,750.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5910542 .2500 49,400.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5910556 .5000 115,000.00 .0500 8.2500 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5910594 .2500 148,500.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5910604 .5000 56,135.00 .0500 9.2500 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 5910622 .2500 149,800.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5910626 .5000 69,550.00 .0500 8.5000 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5910638 .2500 103,200.00 .0500 8.1250 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 5910660 .2500 80,750.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5910668 .5000 174,843.00 .0500 8.5000 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5914262 .2500 244,888.69 .0500 9.8750 .0000 9.6250 .0000 9.5750 .0000 9.5750 .0000 5924700 .2500 154,750.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5935036 .5000 118,550.00 .0500 10.3750 .0000 9.8750 .0000 9.8250 .0000 9.8250 .0000 1 5935040 .5000 94,160.00 .0500 7.5000 .0000 7.0000 .0000 6.9500 .0000 6.9500 .0000 5935050 .2500 55,000.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5935060 .2500 96,300.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5935078 .5000 84,460.00 .0500 9.8750 .0000 9.3750 .0000 9.3250 .0000 9.3250 .0000 5935086 .2500 231,600.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5935110 .5000 344,000.00 .0500 7.5000 .0000 7.0000 .0000 6.9500 .0000 6.9500 .0000 5935114 .2500 139,300.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5935152 .2500 144,827.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 5935162 .5000 235,400.00 .0500 7.8750 .0000 7.3750 .0000 7.3250 .0000 7.3250 .0000 5935164 .2500 150,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 5935184 .5000 212,700.00 .0500 7.8750 .0000 7.3750 .0000 7.3250 .0000 7.3250 .0000 5935200 .5000 306,000.00 .0500 9.1250 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5935202 .2500 130,600.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5935212 .2500 80,700.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5938846 .2500 112,350.00 .0500 8.9900 .0000 8.7400 .0000 8.6900 .0000 8.6900 .0000 5958732 .2500 187,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 5961372 .2500 185,000.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 5961384 .5000 85,600.00 .0500 8.6250 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 5961408 .5000 129,900.00 .0500 10.6250 .0000 10.1250 .0000 10.0750 .0000 10.0750 .0000 5961412 .5000 92,000.00 .0500 8.2500 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5961460 .2500 89,500.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5961486 .2500 82,150.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5961500 .2500 80,750.00 .0500 9.1250 .0000 8.8750 .0000 8.8250 .0000 8.8250 .0000 5961502 .2500 152,440.00 .0500 10.0000 .0000 9.7500 .0000 9.7000 .0000 9.7000 .0000 1 5961516 .2500 111,240.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5961532 .2500 133,750.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5961536 .5000 199,700.00 .0500 8.1250 .0000 7.6250 .0000 7.5750 .0000 7.5750 .0000 5961546 .2500 172,500.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5961552 .2500 83,650.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5961562 .5000 122,570.00 .0500 8.8750 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5961564 .2500 169,050.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 5961572 .5000 267,500.00 .0500 8.1250 .0000 7.6250 .0000 7.5750 .0000 7.5750 .0000 1 5985990 .5000 115,360.00 .0500 9.6250 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 5986024 .2500 220,180.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 5986026 .5000 113,200.00 .0500 8.6250 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 5986054 .5000 182,150.00 .0500 10.8750 .0000 10.3750 .0000 10.3250 .0000 10.3250 .0000 5986068 .2500 41,000.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5986084 .2500 109,250.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 5986092 .5000 185,800.00 .0500 8.0000 .0000 7.5000 .0000 7.4500 .0000 7.4500 .0000 5986112 .2500 182,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 5986136 .2500 250,000.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 5986150 .2500 79,073.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 5986162 .5000 208,200.00 .0500 8.0000 .0000 7.5000 .0000 7.4500 .0000 7.4500 .0000 5986172 .5000 92,550.00 .0500 11.0000 .0000 10.5000 .0000 10.4500 .0000 10.4500 .0000 5986184 .5000 154,912.00 .0500 7.7500 .0000 7.2500 .0000 7.2000 .0000 7.2000 .0000 6010846 .5000 99,900.00 .0500 10.5000 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 6010892 .2500 256,800.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 6010904 .2500 157,590.00 .0500 9.5000 .0000 9.2500 .0000 9.2000 .0000 9.2000 .0000 1 6010906 .5000 92,470.00 .0500 11.3750 .0000 10.8750 .0000 10.8250 .0000 10.8250 .0000 6010934 .2500 125,000.00 .0500 11.0000 .0000 10.7500 .0000 10.7000 .0000 10.7000 .0000 6010936 .2500 139,050.00 .0500 9.7500 .0000 9.5000 .0000 9.4500 .0000 9.4500 .0000 6010954 .2500 295,000.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 6010978 .5000 237,000.00 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 6010980 .5000 60,750.00 .0500 7.3750 .0000 6.8750 .0000 6.8250 .0000 6.8250 .0000 6011004 .2500 375,000.00 .0500 7.8750 .0000 7.6250 .0000 7.5750 .0000 7.5750 .0000 6011020 .2500 275,500.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 1 6011064 .5000 97,400.00 .0500 8.0000 .0000 7.5000 .0000 7.4500 .0000 7.4500 .0000 6033970 .2500 153,000.00 .0500 9.2500 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 6034026 .2500 299,600.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 6034074 .5000 181,000.00 .0500 9.5000 .0000 9.0000 .0000 8.9500 .0000 8.9500 .0000 6059552 .5000 71,993.00 .0500 8.8750 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 6059598 .2500 162,640.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 6059612 .2500 84,000.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 6059638 .2500 86,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 6059654 .5000 149,265.00 .0500 7.8750 .0000 7.3750 .0000 7.3250 .0000 7.3250 .0000 6059670 .2500 94,350.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 6059672 .5000 348,250.00 .0500 8.1250 .0000 7.6250 .0000 7.5750 .0000 7.5750 .0000 6059674 .2500 96,400.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 6059676 .5000 150,895.00 .0500 9.1250 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 6059684 .2500 92,500.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 6059704 .5000 114,000.00 .0500 8.0000 .0000 7.5000 .0000 7.4500 .0000 7.4500 .0000 6059732 .2500 128,250.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 1 6059762 .2500 300,000.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 6059780 .2500 134,570.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 6059784 .5000 227,000.00 .0500 7.5000 .0000 7.0000 .0000 6.9500 .0000 6.9500 .0000 6083624 .5000 155,000.00 .0500 8.2500 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 6083634 .5000 54,000.00 .0500 8.3750 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 6083642 .2500 182,300.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 6083650 .5000 299,900.00 .0500 8.2500 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 6083688 .2500 61,250.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 1 6083706 .2500 164,000.00 .0500 7.5000 .0000 7.2500 .0000 7.2000 .0000 7.2000 .0000 6083728 .5000 149,800.00 .0500 8.2500 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 6083736 .2500 129,650.00 .0500 8.6250 .0000 8.3750 .0000 8.3250 .0000 8.3250 .0000 6083804 .2500 61,000.00 .0500 8.5000 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 6083806 .5000 78,900.00 .0500 8.7500 .0000 8.2500 .0000 8.2000 .0000 8.2000 .0000 6083822 .2500 235,086.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 6083864 .2500 398,950.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 6083876 .5000 187,600.00 .0500 7.8750 .0000 7.3750 .0000 7.3250 .0000 7.3250 .0000 1 6083886 .2500 113,500.00 .0500 8.1250 .0000 7.8750 .0000 7.8250 .0000 7.8250 .0000 6083888 .2500 75,905.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 6083890 .2500 113,900.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 6110920 .2500 173,100.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 6110970 .2500 53,550.00 .0500 8.8750 .0000 8.6250 .0000 8.5750 .0000 8.5750 .0000 6110980 .5000 167,900.00 .0500 10.5000 .0000 10.0000 .0000 9.9500 .0000 9.9500 .0000 6111010 .5000 110,000.00 .0500 8.2500 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 6111032 .2500 114,190.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 1 6111052 .2500 135,200.00 .0500 8.3750 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 6111056 .2500 82,400.00 .0500 8.2500 .0000 8.0000 .0000 7.9500 .0000 7.9500 .0000 6111076 .2500 118,845.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 6111082 .2500 198,550.00 .0500 9.0000 .0000 8.7500 .0000 8.7000 .0000 8.7000 .0000 6111088 .2500 182,970.00 .0500 8.0000 .0000 7.7500 .0000 7.7000 .0000 7.7000 .0000 6136544 .2500 156,045.00 .0500 9.3750 .0000 9.1250 .0000 9.0750 .0000 9.0750 .0000 6136584 .5000 153,430.00 .0500 8.6250 .0000 8.1250 .0000 8.0750 .0000 8.0750 .0000 1 6136628 .2500 135,000.00 .0500 8.7500 .0000 8.5000 .0000 8.4500 .0000 8.4500 .0000 TOTAL NUMBER OF LOANS: 1846 TOTAL BALANCE........: 275,000,239.58 RUN ON : 11/14/01 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 12.00.22 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RAMP 2001-RZ4 FIXED SUMMARY REPORT CUTOFF : 11/01/01 POOL : 0004550 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 9.0437 7.3750 12.8750 RFC NET RATE 8.7422 6.8750 12.6250 NET MTG RATE(INVSTR RATE) 8.6922 6.8250 12.5750 POST STRIP RATE 8.6922 6.8250 12.5750 SUB SERV FEE .3014 .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: 1846 TOTAL BALANCE........: 275,000,239.58 *************************** * END OF REPORT * *************************** RUN ON : 11/14/01 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 12.00.22 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RAMP 2001-RZ4 CUTOFF : 11/01/01 POOL : 0004550 : : 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 # ______________________________________________________________________________ 4669764 T24/G01 F 349,950.00 ZZ 360 348,472.13 1 8.625 2,721.88 100 8.375 2,721.88 CASTRO VALLEY CA 94546 1 03/28/01 23 0433263241 05 05/01/01 0 09828487 O 04/01/31 0 4673805 B28/G01 F 98,000.00 ZZ 360 97,728.29 1 9.000 788.54 107 8.750 788.54 STOCKTON CA 95209 1 05/15/01 23 0433263001 05 07/01/01 0 0104170036 O 06/01/31 0 4683431 003/G01 F 127,850.00 ZZ 360 127,310.05 1 8.625 994.41 100 8.375 994.41 SUGAR HILL GA 30518 1 03/30/01 23 0433061306 05 05/01/01 0 0021422340 O 04/01/31 0 4697852 737/G01 F 159,900.00 ZZ 360 159,366.03 1 9.000 1,286.59 100 8.750 1,286.59 PHOENIX AZ 85032 1 04/26/01 23 0433147253 03 06/01/01 0 1 2022533 O 05/01/31 0 4707376 808/G01 F 293,950.00 ZZ 360 293,196.08 1 9.375 2,444.93 100 9.125 2,444.93 KENT WA 98031 1 05/21/01 23 0433103991 05 07/01/01 0 9502881 O 06/01/31 0 4740157 664/G01 F 74,350.00 ZZ 360 72,442.07 1 9.625 631.97 107 9.375 631.97 GALESBURG IL 61401 1 05/18/01 23 0433043023 05 07/01/01 0 0008095663 O 06/01/31 0 4784680 N67/G01 F 226,990.00 ZZ 360 226,406.54 1 10.250 2,034.06 100 10.000 2,034.06 TEMECULA CA 92592 1 04/16/01 23 0433084811 05 06/01/01 0 3370001091 O 05/01/31 0 4786164 U59/G01 F 86,005.00 ZZ 360 85,842.51 1 9.750 738.92 103 9.500 738.92 ROCHESTER NY 14623 1 06/29/01 23 0433117132 05 08/01/01 0 01933800852867 O 07/01/31 0 4791954 455/G01 F 94,405.00 ZZ 360 94,192.64 1 10.000 828.48 100 9.750 828.48 HIXSON TN 37343 1 05/24/01 23 0433153848 05 07/01/01 0 42001010 O 06/01/31 0 1 4858616 455/G01 F 137,000.00 ZZ 360 136,744.43 1 10.875 1,291.76 99 10.625 1,291.76 CONYERS GA 30013 1 05/31/01 23 0433159621 03 07/01/01 0 09001340 O 06/01/31 0 4871894 E82/G01 F 44,350.00 ZZ 360 40,200.75 1 9.125 360.85 95 8.875 360.85 WARSAW IN 46580 1 05/30/01 23 0400432787 05 07/01/01 0 0400432787 N 06/01/31 0 4881260 E22/G01 F 128,750.00 ZZ 360 128,437.03 1 10.625 1,189.78 103 10.375 1,189.78 MURRIETA CA 92563 1 05/23/01 23 0412652893 01 07/01/01 0 0412652893 O 06/01/31 0 4894617 808/G01 F 248,000.00 ZZ 360 246,996.51 1 8.875 1,973.20 100 8.625 1,973.20 NORWALK CA 90650 1 05/18/01 23 0433110079 05 07/01/01 0 9318580 O 06/01/31 0 4896523 003/G01 F 130,850.00 ZZ 360 130,568.27 1 9.125 1,064.64 100 8.875 1,064.64 STATHAM GA 30666 1 06/28/01 23 0433059060 03 08/01/01 0 0021507900 O 07/01/31 0 4899473 G75/G01 F 189,250.00 ZZ 360 189,053.01 1 9.250 1,556.92 106 9.000 1,556.92 1 CHICAGO IL 60639 1 08/15/01 23 0433190972 05 10/01/01 0 04385135 O 09/01/31 0 4899662 G75/G01 F 196,800.00 ZZ 360 196,661.10 1 7.750 1,409.90 107 7.500 1,409.90 BRICK NJ 08724 1 09/13/01 23 0433255148 05 11/01/01 0 04376631 O 10/01/31 0 4905845 J40/G01 F 164,690.00 ZZ 360 164,410.19 1 10.250 1,475.79 103 10.000 1,475.79 ATLANTA GA 30308 1 06/20/01 23 0433099363 01 08/01/01 0 1056900 O 07/01/31 0 4911499 R65/G01 F 109,200.00 ZZ 360 108,964.62 1 8.875 868.84 105 8.625 868.84 UPPER MARLBORO MD 20774 1 07/30/01 23 0433210945 05 09/01/01 0 20013186 O 08/01/31 0 4917964 M43/G01 F 224,700.00 ZZ 360 224,120.92 1 8.250 1,688.10 107 8.000 1,688.10 MOSELEY VA 23120 2 06/15/01 23 0433040664 05 08/01/01 0 744433205 O 07/01/31 0 4923633 K15/G01 F 94,700.00 ZZ 360 94,559.30 1 10.875 892.92 103 10.625 892.92 DADE CITY FL 33525 5 06/12/01 23 0433056223 05 08/01/01 0 020680005311306 O 07/01/31 0 1 4923769 588/G01 F 71,585.00 ZZ 360 71,489.20 1 10.000 628.21 100 9.750 628.21 TRENTON NJ 08611 1 07/03/01 23 0433148392 05 09/01/01 0 00010435906 O 08/01/31 0 4931550 147/G01 F 201,880.00 ZZ 360 201,555.22 1 9.125 1,642.57 103 8.875 1,642.57 LA MESA CA 91941 1 07/10/01 23 0433046356 05 09/01/01 0 10424960 O 08/01/31 0 4938707 147/G01 F 180,250.00 ZZ 360 179,943.73 1 10.250 1,615.23 103 10.000 1,615.23 PHOENIX AZ 85054 2 06/13/01 23 0432994770 03 08/01/01 0 10423475 O 07/01/31 0 4939874 700/G01 F 144,000.00 ZZ 360 143,647.31 1 8.500 1,107.24 100 8.250 1,107.24 CERRITOS CA 90703 1 06/20/01 23 0433099181 01 08/01/01 0 00259530 O 07/01/31 0 4940645 P27/G01 F 225,000.00 ZZ 360 224,618.78 1 8.875 1,790.20 96 8.625 1,790.20 SAN DIEGO CA 92154 5 07/05/01 23 0433223443 05 09/01/01 0 P4617560 O 08/01/31 0 4941762 664/G01 F 153,900.00 ZZ 360 153,523.08 1 1 8.500 1,183.36 95 8.250 1,183.36 CHICAGO IL 60629 1 06/29/01 11 0433147519 05 08/01/01 30 0008213100 O 07/01/31 0 4951661 588/G01 F 29,950.00 ZZ 360 29,872.84 1 8.250 225.00 107 8.000 225.00 BOROUGH OF BROO PA 19015 1 06/29/01 23 0433224185 01 08/01/01 0 00010442415 O 07/01/31 0 4957416 147/G01 F 64,000.00 ZZ 360 63,869.20 1 9.375 532.32 107 9.125 532.32 NASHVILLE MI 49073 1 06/19/01 23 0433103603 05 08/01/01 0 1 O 07/01/31 0 4963681 J40/G01 F 78,300.00 ZZ 360 78,139.98 1 9.375 651.26 100 9.125 651.26 ORLANDO FL 32812 1 06/29/01 23 0433099330 05 08/01/01 0 1057844 O 07/01/31 0 4967382 003/G01 F 69,350.00 ZZ 360 69,211.91 1 9.500 583.14 95 9.250 583.14 ATLANTA GA 30318 1 07/02/01 23 0433102084 05 08/01/01 0 0021479068 N 07/01/31 0 4968677 737/G01 F 75,000.00 ZZ 360 74,858.45 1 8.350 568.73 100 8.100 568.73 BAKERSFIELD CA 93306 1 07/09/01 23 0433162054 05 09/01/01 0 1 0001778083 O 08/01/31 0 4970637 253/G01 F 123,500.00 ZZ 360 123,231.43 1 9.250 1,016.01 95 9.000 1,016.01 CEDAR HILL TX 75104 1 07/05/01 23 0433047487 05 09/01/01 0 972192 N 08/01/31 0 4975611 685/G01 F 90,950.00 ZZ 360 90,787.75 1 8.625 707.40 107 8.375 707.40 PENSACOLA FL 32504 2 07/05/01 23 0433055720 05 09/01/01 0 125835 O 08/01/31 0 4977707 664/G01 F 78,921.00 ZZ 360 78,829.28 1 12.000 811.80 100 11.750 811.80 MILLINGTON TN 38053 1 06/29/01 23 0433056298 05 08/01/01 0 0008198780 O 07/01/31 0 4985345 003/G01 F 324,900.00 ZZ 360 324,182.10 1 9.000 2,614.22 100 8.750 2,614.22 DULUTH GA 30097 1 06/26/01 23 0433102860 05 08/01/01 0 0021497888 O 07/01/31 0 4986601 R65/G01 F 121,999.00 ZZ 360 121,792.29 1 8.875 970.68 100 8.625 970.68 BROOKLYN PARK MN 55444 1 07/03/01 23 0433007317 07 09/01/01 0 20013424 O 08/01/31 0 1 4991013 J95/G01 F 137,000.00 ZZ 360 136,795.16 1 8.625 1,065.58 100 8.375 1,065.58 HOOD RIVER OR 97031 1 08/01/01 23 0433106804 05 10/01/01 0 0027247659 O 09/01/31 0 4994754 588/G01 F 196,800.00 ZZ 360 196,430.48 1 8.375 1,495.82 107 8.125 1,495.82 NEW BRITIAN BOR PA 18901 1 07/31/01 23 0433234317 05 09/01/01 0 00010446887 O 08/01/31 0 4995784 664/G01 F 89,900.00 ZZ 360 89,620.18 1 9.250 739.59 100 9.000 739.59 RALEIGH NC 27610 1 06/29/01 23 0433102738 05 08/01/01 0 0008219115 O 07/01/31 0 4997119 147/G01 F 90,950.00 ZZ 360 88,937.85 1 8.990 731.15 107 8.740 731.15 PITTSBURGH PA 15227 1 06/29/01 23 0433087244 05 08/01/01 0 10423536 O 07/01/31 0 4997990 700/G01 F 112,900.00 ZZ 360 112,644.02 1 8.875 898.28 100 8.625 898.28 AURORA CO 80012 1 06/29/01 23 0433051257 01 08/01/01 0 00259860 O 07/01/31 0 4998765 J95/G01 F 257,390.00 ZZ 360 256,759.61 1 8.500 1,979.11 103 8.250 1,979.11 1 VALRICO FL 33594 1 06/29/01 23 0433104205 09 08/01/01 0 0023649999 O 07/01/31 0 5004374 147/G01 F 105,500.00 ZZ 360 105,086.77 1 9.500 887.11 106 9.250 887.11 PHOENIX AZ 85024 5 06/28/01 23 0433043882 05 08/01/01 0 10421240 O 07/01/31 0 5004517 R54/G01 F 149,350.00 ZZ 360 149,109.47 1 10.500 1,366.16 103 10.250 1,366.16 GRETNA LA 70056 1 06/29/01 23 0433104031 05 08/01/01 0 2000001908 O 07/01/31 0 5004814 G52/G01 F 191,500.00 ZZ 360 191,157.94 1 11.375 1,878.17 103 11.125 1,878.17 LAS VEGAS NV 89134 1 06/27/01 23 0433040524 03 08/01/01 0 6100000050 O 07/01/31 0 5007164 964/G01 F 389,350.00 ZZ 360 387,185.70 1 8.750 3,063.02 103 8.500 3,063.02 SEATTLE WA 98199 1 06/26/01 23 0433058955 05 08/01/01 0 132052 O 07/01/31 0 5007288 B57/G01 F 240,850.00 ZZ 360 240,409.17 1 8.500 1,851.93 103 8.250 1,851.93 SIMI VALLEY CA 93063 1 07/18/01 23 0433042777 09 09/01/01 0 2140291 O 08/01/31 0 1 5009809 B57/G01 F 135,900.00 ZZ 360 135,583.79 1 8.750 1,069.13 103 8.500 1,069.13 MESA AZ 85203 1 06/29/01 23 0432992022 05 08/01/01 0 21A0402 O 07/01/31 0 5013380 G75/G01 F 132,650.00 ZZ 360 132,496.80 1 8.750 1,043.56 107 8.500 1,043.56 NEW BRUNSWICK NJ 08901 1 08/09/01 23 0433173507 05 10/01/01 0 04384765 O 09/01/31 0 5013734 W33/G01 F 77,040.00 ZZ 360 76,837.19 1 9.250 633.79 107 9.000 633.79 BOWLING GREEN KY 42101 1 06/27/01 23 0433149911 05 07/27/01 0 0124467 O 06/27/31 0 5016273 W53/G01 F 33,250.00 ZZ 360 33,183.78 1 9.500 279.59 95 9.250 279.59 YOUNGSTOWN OH 44509 1 06/28/01 23 0433101730 05 08/01/01 0 5200574900 N 07/01/31 0 5017125 E87/G01 F 93,500.00 ZZ 360 93,299.39 1 9.125 760.75 100 8.875 760.75 SAN ANGELO TX 76904 1 07/02/01 23 0433053063 05 09/01/01 0 01060121 O 08/01/31 0 5019217 147/G01 F 94,750.00 ZZ 360 94,568.71 1 1 9.175 774.35 106 8.925 774.35 BAKERSFIELD CA 93305 5 07/03/01 23 0433047271 05 09/01/01 0 10426241 O 08/01/31 0 5019418 950/G01 F 189,500.00 ZZ 360 189,023.89 1 8.375 1,440.34 100 8.125 1,440.34 PUYALLUP WA 98371 1 07/02/01 23 0433065448 05 08/01/01 0 4106021 O 07/01/31 0 5022853 588/G01 F 344,900.00 ZZ 360 344,315.62 1 8.875 2,744.18 105 8.625 2,744.18 DERWOOD MD 20855 1 07/06/01 23 0433040623 05 09/01/01 0 1044489 O 08/01/31 0 5023138 J95/G01 F 90,100.00 ZZ 360 89,947.32 1 8.875 716.88 103 8.625 716.88 CANON CITY CO 81212 1 07/27/01 23 0433049327 05 09/01/01 0 0027229186 O 08/01/31 0 5024385 J95/G01 F 233,000.00 ZZ 360 232,442.21 1 8.750 1,833.01 104 8.500 1,833.01 SOUTH ELGIN IL 60177 2 07/25/01 23 0433117405 05 09/01/01 0 27248509 O 08/01/31 0 5025404 808/G01 F 108,000.00 ZZ 360 107,806.04 1 10.375 977.84 100 10.125 977.84 LOS ANGELES CA 91402 1 06/13/01 23 0433211133 05 08/01/01 0 1 9502737 O 07/01/31 0 5025580 U05/G01 F 77,000.00 ZZ 360 76,931.59 1 10.000 675.73 100 9.750 675.73 HOUSTON TX 77072 1 08/13/01 23 0433129368 05 10/01/01 0 3138319 O 09/01/31 0 5026304 147/G01 F 97,850.00 ZZ 360 97,684.21 1 8.875 778.54 103 8.625 778.54 ATLANTA GA 30331 1 07/26/01 23 0433099298 05 09/01/01 0 10426313 O 08/01/31 0 5028194 147/G01 F 90,500.00 ZZ 360 90,306.62 1 9.625 769.25 96 9.375 769.25 BETHANY OK 73008 5 07/10/01 23 0433063021 05 09/01/01 0 1 O 08/01/31 0 5028914 J95/G01 F 97,500.00 ZZ 360 97,387.41 1 8.750 767.03 106 8.500 767.03 LAKE HAVASU CIT AZ 86403 1 08/16/01 23 0433136025 05 10/01/01 0 0027268556 O 09/01/31 0 5029041 B57/G01 F 126,100.00 ZZ 360 125,875.05 1 8.625 980.79 107 8.375 980.79 LOS ANGELES CA 91325 1 07/09/01 23 0433043643 01 09/01/01 0 2114496 O 08/01/31 0 1 5030376 588/G01 F 107,000.00 ZZ 360 106,869.90 1 8.500 822.74 107 8.250 822.74 BELVIDERE TOWN NJ 07823 1 08/27/01 23 0433195021 05 10/01/01 0 1043953 O 09/01/31 0 5033037 J40/G01 F 278,600.00 ZZ 360 278,030.62 1 9.375 2,317.25 100 9.125 2,317.25 MEDINA OH 44256 1 06/29/01 23 0433102506 03 08/01/01 0 1058403 O 07/01/31 0 5033841 E22/G01 F 83,600.00 ZZ 360 83,429.15 1 9.375 695.35 95 9.125 695.35 STERLING HEIGHT MI 48312 1 06/05/01 23 0412707440 01 08/01/01 0 0412707440 N 07/01/31 0 5033972 737/G01 F 95,000.00 ZZ 360 94,854.96 1 9.375 790.16 100 9.125 790.16 TEMPE AZ 85282 1 07/02/01 23 0433165966 05 09/01/01 0 2026549 O 08/01/31 0 5034470 R65/G01 F 110,100.00 ZZ 360 109,757.56 1 9.375 915.76 107 9.125 915.76 CABOT AR 72023 5 06/29/01 23 0433060316 05 08/01/01 0 MWLLLC1148 O 07/01/31 0 5035900 U05/G01 F 61,750.00 ZZ 360 61,629.62 1 9.375 513.61 95 9.125 513.61 1 WEST MONROE LA 71292 1 07/02/01 23 0433042066 05 09/01/01 0 3139236 N 08/01/31 0 5035915 N67/G01 F 128,203.00 ZZ 360 126,659.95 1 9.250 1,054.70 100 9.000 1,054.70 MESA AZ 85208 1 03/23/01 23 0433118122 03 05/01/01 0 1150001701 O 04/01/31 0 5037284 N46/G01 F 102,000.00 ZZ 360 101,827.17 1 8.875 811.56 106 8.625 811.56 GREENSBORO NC 27403 1 07/11/01 23 0433004496 05 09/01/01 0 102890 O 08/01/31 0 5043944 Q64/G01 F 80,250.00 ZZ 360 80,090.21 1 9.500 674.79 95 9.250 674.79 STAFFORD VA 22554 1 06/18/01 23 0433039575 01 08/01/01 0 0101957306 N 07/01/31 0 5044642 253/G01 F 142,500.00 T 360 142,185.13 1 9.000 1,146.59 100 8.750 1,146.59 JOHNSTOWN CO 80534 1 07/05/01 23 0433071883 05 08/01/01 0 972227 O 07/01/31 0 5045309 U05/G01 F 103,000.00 ZZ 360 102,834.31 1 9.125 838.04 100 8.875 838.04 DESOTO TX 75115 1 07/17/01 23 0433041910 05 09/01/01 0 3146338 O 08/01/31 0 1 5046096 J95/G01 F 116,600.00 ZZ 360 116,386.57 1 8.500 896.56 107 8.250 896.56 ROSEBURG OR 97470 1 07/30/01 23 0433186905 05 09/01/01 0 0027299445 O 08/01/31 0 5046438 E22/G01 F 130,000.00 ZZ 360 129,675.19 1 9.500 1,093.11 103 9.250 1,093.11 MERRIAM KS 66202 1 06/01/01 23 0412620619 05 07/01/01 0 0412620619 O 06/01/31 0 5047143 808/G01 F 164,697.00 ZZ 360 164,412.59 1 9.125 1,340.03 103 8.875 1,340.03 HENDERSON NV 89014 1 07/19/01 23 0433101581 03 09/01/01 0 9503077 O 08/01/31 0 5048576 R17/G01 F 158,000.00 ZZ 360 157,764.96 1 9.500 1,328.55 100 9.250 1,328.55 ST ALBANS NY 11412 1 07/10/01 23 0433220423 05 09/01/01 0 1000032747 O 08/01/31 0 5050240 S02/G01 F 69,550.00 ZZ 360 69,429.08 1 8.750 547.15 107 8.500 547.15 PITTSBURGH PA 15205 1 07/09/01 23 0433196292 05 09/01/01 0 01106359 O 08/01/31 0 5050255 664/G01 F 122,000.00 ZZ 360 121,798.58 1 1 9.000 981.64 100 8.750 981.64 PORT ORANGE FL 32127 1 07/27/01 23 0433136009 05 09/01/01 0 0008225823 O 08/01/31 0 5051649 664/G01 F 192,000.00 ZZ 360 191,406.84 1 9.000 1,544.88 104 8.750 1,544.88 ELGIN IL 60120 2 07/21/01 23 0433254851 05 09/01/01 0 0008227126 O 08/01/31 0 5053946 E22/G01 F 183,700.00 ZZ 360 183,245.29 1 8.750 1,445.17 107 8.250 1,445.17 CARSON CITY NV 89701 1 06/26/01 23 0412766883 05 08/01/01 0 0412766883 O 07/01/31 0 5054824 642/G01 F 209,000.00 ZZ 360 208,764.79 1 8.875 1,662.90 102 8.625 1,662.90 COCOA BEACH FL 32931 1 08/01/01 23 0433054525 01 10/01/01 0 07102901 O 09/01/31 0 5055464 R65/G01 F 257,500.00 ZZ 360 257,181.91 1 10.375 2,331.42 103 10.125 2,331.42 SAINT CLAIR MI 48079 5 07/17/01 23 0433121985 05 09/01/01 0 MWLLLC1146 O 08/01/31 0 5055956 L86/G01 F 175,000.00 ZZ 360 174,732.81 1 9.375 1,455.56 100 9.125 1,455.56 LAKE FOREST CA 92630 1 07/06/01 23 0433054988 01 09/01/01 0 1 20507682 O 08/01/31 0 5056777 964/G01 F 118,750.00 T 360 118,573.39 1 9.500 998.51 95 9.250 998.51 WHEELER OR 97147 1 07/06/01 23 0433060134 05 09/01/01 0 133042 O 08/01/31 0 5058369 737/G01 F 143,950.00 ZZ 360 143,686.54 1 8.500 1,106.85 100 8.250 1,106.85 MABLETON GA 30126 1 07/31/01 23 0433101953 05 09/01/01 0 2032253 O 08/01/31 0 5058647 W78/G01 F 100,400.00 ZZ 360 100,196.98 1 10.500 918.40 103 10.250 918.40 DALLAS GA 30157 5 05/24/01 23 0433047503 05 07/01/01 0 50003514 O 06/01/31 0 5059343 E84/G01 F 160,050.00 ZZ 360 159,799.16 1 9.250 1,316.69 95 9.000 1,316.69 WOODBRIDGE VA 22191 1 07/06/01 23 0433269362 05 09/01/01 0 69810180 N 08/01/31 0 5061915 E22/G01 F 169,939.00 ZZ 360 169,400.51 1 9.750 1,460.04 103 9.500 1,460.04 RICHMOND TX 77469 1 07/02/01 23 0412770836 03 08/01/01 0 0412770836 O 07/01/31 0 1 5063442 253/G01 F 251,600.00 ZZ 360 250,978.95 1 8.750 1,979.34 103 8.500 1,979.34 LAKEWOOD CO 80227 1 07/06/01 23 0433065547 03 09/01/01 0 972702 O 08/01/31 0 5068873 E22/G01 F 131,052.00 ZZ 360 130,677.89 1 9.000 1,054.47 95 8.750 1,054.47 CEDAR HILL TX 75104 1 06/29/01 23 0412768277 05 08/01/01 0 0412768277 N 07/01/31 0 5068874 E22/G01 F 132,952.00 ZZ 360 132,658.24 1 9.000 1,069.76 95 8.750 1,069.76 CEDAR HILL TX 75104 1 07/02/01 23 0412768426 05 08/01/01 0 0412768426 N 07/01/31 0 5069621 664/G01 F 133,800.00 ZZ 360 133,552.52 1 8.750 1,052.61 107 8.500 1,052.61 MESHOPPEN PA 18630 1 07/31/01 23 0433128519 05 09/01/01 0 0008230898 O 08/01/31 0 5074782 808/G01 F 193,275.00 ZZ 360 193,060.59 1 10.875 1,822.38 102 10.625 1,822.38 RIVERBANK CA 95367 1 07/18/01 23 0433034972 05 09/01/01 0 9422264 O 08/01/31 0 5074810 950/G01 F 211,000.00 ZZ 360 210,623.58 1 8.625 1,641.14 100 8.375 1,641.14 1 SILVERDALE WA 98383 1 07/10/01 23 0433043056 03 09/01/01 0 E7106011 O 08/01/31 0 5075482 P27/G01 F 226,600.00 ZZ 360 226,160.51 1 9.625 1,926.08 103 9.375 1,926.08 CITRUS HEIGHTS CA 95610 5 06/14/01 23 0433102134 05 08/01/01 0 1 O 07/01/31 0 5075774 B57/G01 F 87,500.00 ZZ 360 87,136.18 1 9.000 704.04 100 8.750 704.04 SCOTTSDALE AZ 85251 1 07/09/01 23 0433054434 01 09/01/01 0 21A0475 O 08/01/31 0 5077166 964/G01 F 151,700.00 ZZ 360 151,436.27 1 8.750 1,193.42 103 8.500 1,193.42 LAS VEGAS NV 89141 1 07/10/01 23 0433046976 03 09/01/01 0 134026 O 08/01/31 0 5078268 W53/G01 F 77,250.00 T 360 77,041.31 1 9.125 628.53 103 8.875 628.53 PORT CHARLOTTE FL 33952 1 05/25/01 23 0433102621 05 07/01/01 0 7301010866 O 06/01/31 0 5078522 B28/G01 F 238,000.00 ZZ 360 237,627.46 1 9.375 1,979.57 100 9.125 1,979.57 LAKEWOOD CO 80226 1 07/24/01 23 0433103025 05 09/01/01 0 0107050045 O 08/01/31 0 1 5078773 R65/G01 F 85,000.00 ZZ 360 84,866.80 1 9.250 699.27 100 9.000 699.27 HOMESTEAD FL 33032 1 07/17/01 23 0433099280 05 09/01/01 0 MWLLLC1165 O 08/01/31 0 5079035 642/G01 F 104,000.00 ZZ 360 103,777.10 1 9.250 855.58 100 9.000 855.58 LANSING IL 60438 1 07/25/01 23 0433041373 05 09/01/01 0 07118101 O 08/01/31 0 5080501 664/G01 F 368,900.00 ZZ 360 368,258.62 1 8.750 2,902.14 100 8.500 2,902.14 SAN JOSE CA 95123 1 07/13/01 23 0433076536 01 09/01/01 0 0008231425 O 08/01/31 0 5080631 685/G01 F 153,000.00 ZZ 360 152,719.95 1 8.500 1,176.44 107 8.250 1,176.44 CERES CA 95307 5 07/17/01 23 0433098787 05 09/01/01 0 209579 O 08/01/31 0 5081522 N46/G01 F 124,300.00 ZZ 360 124,089.39 1 8.875 988.99 104 8.625 988.99 GREENSBORO NC 27455 1 07/20/01 23 0433056009 05 09/01/01 0 103197 O 08/01/31 0 5081797 685/G01 F 96,300.00 ZZ 360 96,049.06 1 1 9.250 792.24 107 9.000 792.24 COEUR D'ALENE ID 83815 5 07/13/01 23 0433044765 05 09/01/01 0 126022 O 08/01/31 0 5082058 664/G01 F 77,250.00 ZZ 360 77,143.83 1 9.875 670.80 103 9.625 670.80 COLUMBIA SC 29203 5 07/24/01 23 0433101714 05 09/01/01 0 8228843 O 08/01/31 0 5082411 U62/G01 F 114,925.00 ZZ 360 114,749.47 1 9.375 955.89 100 9.125 955.89 JACKSONVILLE FL 32207 5 07/12/01 23 0433074523 05 09/01/01 0 2001268185 O 08/01/31 0 5087477 E22/G01 F 123,900.00 ZZ 360 123,695.04 1 10.375 1,121.80 100 10.125 1,121.80 WEST PALM BEACH FL 33417 1 07/06/01 23 0412798910 05 08/01/01 0 0412798910 O 07/01/31 0 5093599 J95/G01 F 244,000.00 ZZ 360 243,575.77 1 8.750 1,919.55 100 8.500 1,919.55 AVONDALE ESTATE GA 30002 1 07/18/01 23 0433106648 05 09/01/01 0 0023687486 O 08/01/31 0 5095873 U96/G01 F 159,600.00 ZZ 360 159,374.81 1 9.750 1,371.21 103 9.500 1,371.21 KAMUELA HI 96743 5 07/16/01 23 0433057593 05 09/01/01 0 1 10700007 O 08/01/31 0 5096181 U05/G01 F 128,750.00 ZZ 360 128,625.37 1 11.500 1,275.00 103 11.250 1,275.00 MAGNOLIA TX 77353 1 07/13/01 23 0433056876 05 09/01/01 0 3143969 O 08/01/31 0 5096240 808/G01 F 262,150.00 ZZ 360 261,739.12 1 9.250 2,156.65 107 9.000 2,156.65 (SAUGUS AREA) S CA 91350 5 07/12/01 23 0433038924 05 09/01/01 0 9503084 O 08/01/31 0 5096380 B57/G01 F 252,350.00 ZZ 360 251,902.35 1 9.500 2,121.90 103 9.250 2,121.90 GRANADA HILLS A CA 91344 1 07/26/01 23 0433046083 05 09/01/01 0 2115614 O 08/01/31 0 5096638 U05/G01 F 182,300.00 ZZ 360 181,948.85 1 8.250 1,369.56 103 8.000 1,369.56 FREDERICK MD 21702 5 07/13/01 23 0433055464 05 09/01/01 0 3143347 O 08/01/31 0 5098422 J95/G01 F 84,460.00 ZZ 360 84,343.93 1 9.875 733.41 103 9.625 733.41 EAGLE POINT OR 97524 1 07/24/01 23 0433141769 05 09/01/01 0 002724521 O 08/01/31 0 1 5099251 N67/G01 F 188,550.00 ZZ 360 188,164.66 1 9.375 1,568.26 100 9.125 1,568.26 ROWLETT TX 75089 1 06/28/01 23 0433044344 03 08/01/01 0 1160004389 O 07/01/31 0 5099659 642/G01 F 154,500.00 ZZ 360 154,298.67 1 10.125 1,370.14 103 9.875 1,370.14 COLUMBUS OH 43228 5 07/11/01 23 0433061231 05 09/01/01 0 06179401 O 08/01/31 0 5100431 455/G01 F 80,419.00 ZZ 360 80,296.20 1 9.375 668.89 100 9.125 668.89 CHARLOTTE NC 28215 1 07/13/01 23 0433115599 05 09/01/01 0 42001169 O 08/01/31 0 5101227 664/G01 F 82,400.00 ZZ 360 82,324.48 1 11.750 831.76 103 11.500 831.76 JONESBORO AR 72401 5 07/13/01 23 0433135134 05 09/01/01 0 0008203325 O 08/01/31 0 5101668 B57/G01 F 142,500.00 ZZ 360 142,270.76 1 9.125 1,159.43 95 8.875 1,159.43 SANTA CLARITA CA 91355 1 07/23/01 23 0433055605 01 09/01/01 0 2114972 N 08/01/31 0 5103285 J95/G01 F 123,000.00 ZZ 360 122,796.92 1 9.000 989.69 105 8.750 989.69 1 PORTLAND OR 97220 1 07/13/01 23 0433142452 05 09/01/01 0 0027299833 O 08/01/31 0 5103655 J95/G01 F 162,650.00 ZZ 360 162,462.16 1 8.750 1,279.57 103 8.500 1,279.57 MARYSVILLE WA 98270 1 08/08/01 23 0433146628 03 10/01/01 0 0027376037 O 09/01/31 0 5104461 K15/G01 F 224,600.00 ZZ 360 224,219.44 1 8.875 1,787.02 107 8.625 1,787.02 VACAVILLE CA 95687 5 07/13/01 23 0433039666 05 09/01/01 0 039005300013 O 08/01/31 0 5106736 147/G01 F 64,200.00 ZZ 360 64,101.95 1 9.375 533.99 107 9.125 533.99 HEIDELBERG PA 15106 1 07/16/01 23 0433044252 05 09/01/01 0 1 O 08/01/31 0 5110584 R17/G01 F 240,750.00 ZZ 360 240,320.51 1 8.625 1,872.53 107 8.375 1,872.53 SAN DIEGO CA 92128 1 07/18/01 23 0433152873 01 09/01/01 0 1000047039 O 08/01/31 0 5111658 737/G01 F 107,017.00 ZZ 360 106,835.67 1 8.875 851.48 103 8.625 851.48 DENVER CO 80236 1 07/19/01 12 0433099116 01 09/01/01 35 2030274 O 08/01/31 0 1 5113806 480/G01 F 203,300.00 ZZ 360 202,989.58 1 9.375 1,690.95 107 9.125 1,690.95 STERLING VA 20166 1 07/16/01 23 0433206588 05 09/01/01 0 4128948 O 08/01/31 0 5114303 J95/G01 F 115,550.00 ZZ 360 115,368.91 1 9.250 950.60 107 9.000 950.60 BELLAIRE MI 49615 1 07/17/01 23 0433051240 05 09/01/01 0 0027228451 O 08/01/31 0 5116574 808/G01 F 120,000.00 ZZ 360 119,871.79 1 9.125 976.36 100 8.875 976.36 (VAN NUYS AREA) CA 91411 1 08/02/01 23 0433132628 01 10/01/01 0 9503270 O 09/01/31 0 5116790 U59/G01 F 213,000.00 ZZ 360 212,586.89 2 9.625 1,810.48 100 9.375 1,810.48 TOMKINS COVE NY 10986 1 07/26/01 23 0433041639 05 08/26/01 0 800862997 O 07/26/31 0 5119361 R65/G01 F 138,750.00 ZZ 360 138,532.55 1 9.250 1,141.46 103 9.000 1,141.46 CENTREVILLE VA 20120 1 07/23/01 23 0433184520 09 09/01/01 0 20013679 O 08/01/31 0 5120183 E84/G01 F 123,548.00 ZZ 360 123,354.37 1 1 9.250 1,016.40 100 9.000 1,016.40 TACOMA WA 98404 1 07/17/01 23 0433257243 05 09/01/01 0 61002256 O 08/01/31 0 5120428 147/G01 F 87,550.00 ZZ 360 87,444.69 1 10.500 800.86 103 10.250 800.86 DALTON GA 30721 5 07/17/01 23 0433050077 05 09/01/01 0 10424546 O 08/01/31 0 5121358 808/G01 F 240,000.00 ZZ 360 239,613.92 1 9.125 1,952.72 100 8.875 1,952.72 LOS ANGELES CA 91304 1 07/25/01 23 0433047628 05 09/01/01 0 9503274 O 08/01/31 0 5122106 E22/G01 F 100,000.00 ZZ 360 99,882.92 2 10.625 924.10 100 10.375 924.10 ELIZABETH NJ 07206 1 07/12/01 23 0412783532 05 09/01/01 0 0412783532 O 08/01/31 0 5122980 W33/G01 F 156,000.00 ZZ 360 155,707.35 1 9.750 1,340.28 106 9.500 1,340.28 ELKHART IN 46514 5 07/17/01 23 0433142387 05 08/20/01 0 0125512 O 07/20/31 0 5124862 948/G01 F 70,300.00 ZZ 360 70,267.20 1 9.750 603.99 100 9.500 603.99 KALAMAZOO MI 49006 5 09/20/01 23 0433256708 05 11/01/01 0 1 61213 O 10/01/31 0 5125193 P23/G01 F 82,350.00 ZZ 360 82,167.68 1 8.990 662.01 100 8.740 662.01 RICHMOND VA 23235 1 06/26/01 23 0433061710 05 08/01/01 0 WTL010001642 O 07/01/31 0 5126134 685/G01 F 240,750.00 ZZ 360 240,331.43 1 8.750 1,893.98 107 8.500 1,893.98 (SYLMAR AREA) L CA 91342 1 07/27/01 23 0433063302 05 09/01/01 0 126253 O 08/01/31 0 5126762 J95/G01 F 393,000.00 ZZ 360 392,203.64 1 8.000 2,883.69 102 7.750 2,883.69 SEATTLE WA 98116 1 07/16/01 23 0433118510 05 09/01/01 0 0027136837 O 08/01/31 0 5127289 940/G01 F 279,001.00 ZZ 360 278,490.33 1 8.500 2,145.28 103 8.250 2,145.28 OAK HILLS CA 92345 1 07/23/01 23 0433047354 05 09/01/01 0 40010716 O 08/01/31 0 5127343 J95/G01 F 147,553.00 ZZ 360 147,282.95 1 8.500 1,134.55 107 8.250 1,134.55 APPLE VALLEY MN 55124 1 07/20/01 23 0433122694 01 09/01/01 0 27313873 O 08/01/31 0 1 5128614 U05/G01 F 128,400.00 ZZ 360 128,326.52 1 8.875 1,021.61 105 8.625 1,021.61 WILMINGTON DE 19804 2 09/04/01 23 0433194248 05 11/01/01 0 3151338 O 10/01/31 0 5128750 J95/G01 F 168,700.00 ZZ 360 168,414.18 1 8.875 1,342.25 102 8.625 1,342.25 SCHILLER PARK IL 60176 5 07/24/01 23 0433117900 05 09/01/01 0 27295278 O 08/01/31 0 5129093 B57/G01 F 131,075.00 ZZ 360 130,646.38 1 8.750 1,031.17 107 8.500 1,031.17 (VAN NUYS AREA) CA 91406 1 07/17/01 23 0433055571 01 09/01/01 0 2115324 O 08/01/31 0 5130942 U05/G01 F 282,350.00 ZZ 360 281,883.85 1 9.000 2,271.85 105 8.750 2,271.85 LOS ANGELES CA 92006 1 07/20/01 23 0433042785 05 09/01/01 0 3144649 O 08/01/31 0 5132791 E22/G01 F 115,360.00 ZZ 360 115,073.66 1 9.125 938.61 103 8.625 938.61 FRESNO CA 93705 1 07/09/01 23 0412777898 05 09/01/01 0 0412777898 O 08/01/31 0 5133192 J95/G01 F 120,100.00 ZZ 360 119,001.02 1 10.125 1,065.08 103 9.875 1,065.08 1 DES MOINES IA 50315 1 07/26/01 23 0433131406 05 09/01/01 0 0027245117 O 08/01/31 0 5136788 N46/G01 F 178,190.00 ZZ 360 177,863.84 1 8.500 1,370.13 103 8.250 1,370.13 BURLINGTON NC 27215 1 07/20/01 23 0433056041 05 09/01/01 0 103358 O 08/01/31 0 5137521 664/G01 F 43,272.00 ZZ 360 43,196.75 1 8.750 340.43 95 8.500 340.43 FORT WORTH TX 76179 1 07/31/01 23 0433194719 05 09/01/01 0 0008236622 N 08/01/31 0 5137980 U42/G01 F 236,500.00 ZZ 360 235,927.98 1 9.125 1,924.24 95 8.875 1,924.24 DENVER CO 80228 1 07/19/01 12 0433108909 05 09/01/01 30 28100414 N 08/01/31 0 5138301 253/G01 F 104,500.00 ZZ 360 104,323.24 1 8.875 831.45 95 8.625 831.45 LITTLE ELM TX 75068 1 07/24/01 23 0433149325 05 09/01/01 0 973028 N 08/01/31 0 5138843 253/G01 F 162,500.00 ZZ 360 162,217.47 1 8.750 1,278.39 100 8.500 1,278.39 GUNNISON CO 81230 1 07/24/01 23 0433153996 05 09/01/01 0 973077 O 08/01/31 0 1 5139110 700/G01 F 222,950.00 ZZ 360 222,664.68 1 8.250 1,674.95 103 8.000 1,674.95 OXNARD CA 93030 1 08/02/01 23 0433117512 01 10/01/01 0 0000165202 O 09/01/31 0 5139188 U59/G01 F 173,850.00 ZZ 360 173,591.41 1 9.500 1,461.83 95 9.250 1,461.83 EAST BRIDGEWATE MA 02333 1 07/31/01 23 0433059805 05 09/01/01 0 800872833 O 08/01/31 0 5139392 664/G01 F 160,500.00 ZZ 360 160,039.18 1 9.375 1,334.96 107 9.125 1,334.96 GAITHERSBURG MD 20878 1 07/24/01 23 0433116597 05 09/01/01 0 0008251365 O 08/01/31 0 5139996 N67/G01 F 157,000.00 ZZ 360 156,760.27 1 9.375 1,305.85 100 9.125 1,305.85 SCOTTSDALE AZ 85257 1 07/26/01 23 0433060266 05 09/01/01 0 1780007363 O 08/01/31 0 5140038 J95/G01 F 181,717.00 ZZ 360 180,990.53 1 9.625 1,544.58 98 9.375 1,544.58 TACOMA WA 98422 2 07/19/01 23 0433151719 05 09/01/01 0 0027281609 O 08/01/31 0 5140555 624/G01 F 143,428.00 ZZ 360 143,293.62 1 1 9.750 1,232.27 103 9.500 1,232.27 LEMOORE CA 93245 1 08/15/01 23 0433162369 05 10/01/01 0 36500313968F O 09/01/31 0 5141504 E22/G01 F 144,450.00 ZZ 360 144,223.62 1 9.250 1,188.35 107 9.000 1,188.35 LIVONIA MI 48150 1 07/16/01 23 0412684664 05 09/01/01 0 0412684664 O 08/01/31 0 5141521 E22/G01 F 120,950.00 ZZ 360 120,792.40 1 10.125 1,072.61 100 9.625 1,072.61 APOPKA FL 32703 1 07/17/01 23 0412749533 03 09/01/01 0 0412749533 O 08/01/31 0 5142069 253/G01 F 189,350.00 ZZ 360 189,060.89 1 9.375 1,574.92 95 9.125 1,574.92 LONGMONT CO 80501 1 07/20/01 23 0433247608 03 09/01/01 0 972886 N 08/01/31 0 5142502 588/G01 F 90,683.00 ZZ 360 90,575.54 1 8.625 705.32 105 8.375 705.32 FAIRFAX VA 22031 1 08/29/01 23 0433201506 01 10/01/01 0 00010467073 O 09/01/31 0 5142815 G75/G01 F 198,000.00 ZZ 360 197,842.04 1 12.375 2,093.99 102 12.125 2,093.99 ALLEN PARK MI 48101 5 07/23/01 23 0433111150 05 09/01/01 0 1 04366680 O 08/01/31 0 5143849 642/G01 F 129,400.00 ZZ 180 128,331.29 1 8.625 1,283.75 107 8.375 1,283.75 FORT WAYNE IN 46835 5 07/23/01 23 0433045259 05 09/01/01 0 06155901 O 08/01/16 0 5143990 644/G01 F 162,500.00 ZZ 360 161,994.16 1 8.375 1,235.12 105 8.125 1,235.12 WOODBURN OR 97071 1 07/20/01 23 0433106572 03 09/01/01 0 48003655 O 08/01/31 0 5144019 737/G01 F 101,650.00 ZZ 360 101,490.69 2 9.250 836.25 107 9.000 836.25 ATLANTA GA 30314 1 07/20/01 23 0433042256 05 09/01/01 0 2031147 O 08/01/31 0 5144658 B28/G01 F 152,400.00 ZZ 360 152,275.01 1 10.375 1,379.85 103 10.125 1,379.85 PLAINFIELD IL 60544 1 08/09/01 23 0433282167 03 10/01/01 0 0107060004 O 09/01/31 0 5146283 P29/G01 F 145,000.00 ZZ 360 144,784.33 1 9.500 1,219.24 100 9.250 1,219.24 MINNEAPOLIS MN 55418 1 07/30/01 23 0433036266 05 09/01/01 0 5146283 O 08/01/31 0 1 5146500 964/G01 F 124,300.00 ZZ 360 124,110.22 1 9.375 1,033.86 107 9.125 1,033.86 ALBANY OR 97321 1 07/23/01 23 0433076338 05 09/01/01 0 133041 O 08/01/31 0 5146804 M43/G01 F 77,765.00 ZZ 360 77,658.11 1 9.875 675.28 103 9.625 675.28 GLEN ALLEN VA 23060 1 07/31/01 23 0433103371 01 09/01/01 0 738562717 O 08/01/31 0 5147065 J95/G01 F 163,100.00 ZZ 360 162,793.73 1 8.375 1,239.68 107 8.125 1,239.68 BETHLEHEM PA 18017 1 07/27/01 23 0433053204 05 09/01/01 0 18672345 O 08/01/31 0 5147092 J95/G01 F 96,193.00 ZZ 360 96,025.73 1 8.750 756.76 107 8.500 756.76 OMAHA NE 68114 1 07/23/01 23 0433139466 05 09/01/01 0 0027199116 O 08/01/31 0 5149253 964/G01 F 173,300.00 ZZ 360 173,028.37 1 9.250 1,425.70 107 9.000 1,425.70 MOUNT ANGEL OR 97362 2 07/18/01 23 0433051026 05 09/01/01 0 122783 O 08/01/31 0 5149926 E22/G01 F 66,500.00 ZZ 360 66,403.67 1 9.625 565.24 95 9.375 565.24 1 SAN ANTONIO TX 78217 1 07/17/01 23 0412665408 05 09/01/01 0 0412665408 N 08/01/31 0 5149998 E22/G01 F 369,950.00 ZZ 360 369,306.79 1 8.750 2,910.40 100 8.250 2,910.40 LIVERMORE CA 94550 1 07/11/01 23 0412800252 09 09/01/01 0 0412800252 O 08/01/31 0 5150159 T17/G01 F 70,000.00 ZZ 360 69,864.26 1 9.625 594.99 100 9.375 594.99 WELLINGTON FL 33414 1 07/24/01 23 0433084241 09 08/22/01 0 01060206 O 07/22/31 0 5150443 J95/G01 F 232,900.00 ZZ 360 232,484.49 1 8.625 1,811.48 100 8.375 1,811.48 NEW PALESTINE IN 46163 1 07/24/01 23 0433041878 03 09/01/01 0 18657213 O 08/01/31 0 5150608 253/G01 F 117,800.00 ZZ 360 117,600.41 1 8.875 937.27 95 8.625 937.27 LITTLE ELM TX 75068 1 07/27/01 23 0433166873 05 09/01/01 0 973029 N 08/01/31 0 5150616 003/G01 F 275,133.00 ZZ 360 274,654.62 1 8.750 2,164.48 107 8.500 2,164.48 CUMMING GA 30040 1 07/25/01 23 0433084944 05 09/01/01 0 00215011135 O 08/01/31 0 1 5151201 J40/G01 F 96,300.00 ZZ 360 96,141.02 1 9.000 774.85 107 8.750 774.85 CANTONMENT FL 32533 1 07/31/01 23 0433102449 05 09/01/01 0 1061076 O 08/01/31 0 5151211 U59/G01 F 197,600.00 ZZ 360 197,306.09 1 9.500 1,661.53 95 9.250 1,661.53 BOYNTON BEACH FL 33437 1 08/15/01 23 0433118759 03 09/15/01 0 800877327 O 08/15/31 0 5151444 J95/G01 F 160,500.00 ZZ 360 157,313.58 1 8.875 1,277.01 107 8.625 1,277.01 INDIANAPOLIS IN 46217 1 07/27/01 23 0433130457 05 09/01/01 0 18603134 O 08/01/31 0 5152721 B28/G01 F 206,500.00 ZZ 360 206,176.35 1 9.250 1,698.83 103 9.000 1,698.83 OAKLAND CA 94605 1 07/23/01 23 0433132487 05 09/01/01 0 0160200033 O 08/01/31 0 5153201 J95/G01 F 125,150.00 ZZ 360 124,926.71 1 8.625 973.41 100 8.375 973.41 DILLON CO 80435 1 07/31/01 23 0433102365 01 09/01/01 0 0027269612 O 08/01/31 0 5153344 J95/G01 F 172,727.00 ZZ 360 172,426.70 1 1 8.750 1,358.84 100 8.500 1,358.84 DULUTH MN 55812 1 07/30/01 23 0433116605 05 09/01/01 0 27311109 O 08/01/31 0 5153358 R54/G01 F 253,650.00 ZZ 360 253,272.73 2 9.500 2,132.83 95 9.250 2,132.83 NEW ORLEANS LA 70115 1 07/25/01 23 0433102845 05 09/01/01 0 2000002006 O 08/01/31 0 5154311 147/G01 F 154,080.00 ZZ 360 153,825.13 1 9.000 1,239.77 107 8.750 1,239.77 OAK PARK MI 48237 1 07/23/01 23 0433075199 05 09/01/01 0 10427854 O 08/01/31 0 5157353 B57/G01 F 137,450.00 ZZ 360 137,295.33 1 8.875 1,093.61 107 8.625 1,093.61 GUADALUPE AZ 85283 5 08/08/01 23 0433157419 29 10/01/01 0 21A0359 O 09/01/31 0 5160207 685/G01 F 77,500.00 ZZ 360 77,368.71 1 8.875 616.62 107 8.625 616.62 DEADWOOD SD 57732 1 07/26/01 23 0433145190 05 09/01/01 0 126302 O 08/01/31 0 5160494 W82/G01 F 47,500.00 ZZ 360 47,395.03 1 9.000 382.20 95 8.750 382.20 AUSTELL GA 30168 1 06/15/01 23 0433130259 05 08/01/01 0 1 921501005778 N 07/01/31 0 5160740 N46/G01 F 128,500.00 ZZ 360 128,368.93 1 11.375 1,260.28 103 11.125 1,260.28 GREENVILLE SC 29609 1 07/31/01 23 0433104072 03 09/01/01 0 SPEN14S248 O 08/01/31 0 5161093 U28/G01 F 84,890.00 ZZ 360 84,799.31 1 9.125 690.69 100 8.875 690.69 ATHENS GA 30605 1 08/14/01 23 0433127552 09 10/01/01 0 1 O 09/01/31 0 5161095 U05/G01 F 72,750.00 ZZ 360 72,663.79 2 8.625 565.84 107 8.375 565.84 TOLEDO OH 43605 1 08/16/01 23 0433112224 05 10/01/01 0 3147381 O 09/01/31 0 5161451 B57/G01 F 83,000.00 ZZ 360 82,901.63 1 8.625 645.57 106 8.375 645.57 PEORIA AZ 85345 1 08/14/01 23 0433182094 05 10/01/01 0 21A0537 O 09/01/31 0 5161610 E87/G01 F 74,793.00 ZZ 360 73,877.12 1 9.000 601.80 107 8.750 601.80 SAN ANGELO TX 76905 1 07/30/01 23 0433047396 05 09/01/01 0 COLWELL O 08/01/31 0 1 5161691 685/G01 F 173,950.00 ZZ 360 173,647.56 1 8.750 1,368.47 100 8.500 1,368.47 NORWALK CA 90650 1 07/27/01 23 0433077849 01 09/01/01 0 126301 O 08/01/31 0 5162623 964/G01 F 105,000.00 ZZ 360 104,660.99 1 8.750 826.04 103 8.500 826.04 SALT LAKE CITY UT 84119 1 07/25/01 23 0433049665 05 09/01/01 0 136807 O 08/01/31 0 5164148 G75/G01 F 149,800.00 ZZ 360 149,518.71 1 8.375 1,138.59 107 8.125 1,138.59 NASHVILLE TN 37207 2 07/20/01 23 0433111325 05 09/01/01 0 04403894 O 08/01/31 0 5165293 U62/G01 F 113,600.00 ZZ 360 113,381.18 1 8.250 853.44 98 8.000 853.44 MICHIGAN CITY IN 46360 5 07/26/01 23 0433048089 05 09/01/01 0 2001263670 O 08/01/31 0 5165586 147/G01 F 35,000.00 ZZ 360 34,949.29 1 9.625 297.50 100 9.375 297.50 CLEVELAND TN 37311 1 07/24/01 23 0433099272 05 09/01/01 0 1KELLEY O 08/01/31 0 5166303 E22/G01 F 116,050.00 ZZ 360 115,863.31 1 9.125 944.22 107 8.875 944.22 1 SACRAMENTO CA 95833 1 07/09/01 23 0412775132 05 09/01/01 0 0412775132 O 08/01/31 0 5166338 E22/G01 F 77,480.00 ZZ 360 77,373.52 1 9.875 672.80 100 9.375 672.80 KATY TX 77449 1 07/18/01 23 0412805475 03 09/01/01 0 0412805475 O 08/01/31 0 5166360 E22/G01 F 177,600.00 ZZ 360 177,291.22 1 8.750 1,397.18 107 8.500 1,397.18 DAVIE FL 33331 1 07/18/01 23 0412825911 03 09/01/01 0 0412825911 O 08/01/31 0 5166364 E22/G01 F 59,000.00 ZZ 360 58,907.53 1 9.250 485.38 100 8.750 485.38 NORTHPORT FL 34287 1 07/18/01 23 0412829160 05 09/01/01 0 0412829160 O 08/01/31 0 5166478 E22/G01 F 254,000.00 ZZ 360 253,332.98 1 8.500 1,953.04 104 8.250 1,953.04 EMERSON NJ 07630 9 07/11/01 23 0412705345 05 09/01/01 0 0412705345 O 08/01/31 0 5166479 E22/G01 F 75,900.00 ZZ 360 75,826.54 1 11.500 751.63 100 11.000 751.63 NORWICH CT 06360 1 07/19/01 23 0412707309 05 09/01/01 0 0412707309 O 08/01/31 0 1 5166511 E22/G01 F 259,250.00 ZZ 360 258,787.51 1 8.625 2,016.42 100 8.125 2,016.42 MAKAWAO HI 96768 1 07/12/01 23 0412799785 29 09/01/01 0 0412799785 O 08/01/31 0 5166516 E22/G01 F 68,000.00 ZZ 360 67,948.70 1 12.625 732.34 100 12.125 732.34 KANSAS CITY MO 64134 1 07/19/01 23 0412808925 03 09/01/01 0 0412808925 O 08/01/31 0 5166519 E22/G01 F 130,000.00 ZZ 360 129,796.24 1 9.250 1,069.48 107 8.750 1,069.48 BRANDON FL 33511 1 07/19/01 23 0412813636 05 09/01/01 0 0412813636 O 08/01/31 0 5166522 E22/G01 F 71,250.00 ZZ 360 71,135.40 1 9.125 579.71 95 8.875 579.71 ORMOND BEACH FL 32176 1 07/19/01 23 0412819567 05 09/01/01 0 0412819567 N 08/01/31 0 5166525 E22/G01 F 142,000.00 ZZ 360 141,740.08 1 8.500 1,091.86 106 8.000 1,091.86 WILLITS CA 95490 1 07/12/01 23 0412823577 05 09/01/01 0 0412823577 O 08/01/31 0 5166534 E22/G01 F 114,000.00 ZZ 360 113,816.61 1 1 9.125 927.55 95 8.875 927.55 HARPER WOODS MI 48225 1 07/19/01 23 0412830770 05 09/01/01 0 0412830770 N 08/01/31 0 5166540 E22/G01 F 64,000.00 ZZ 360 63,902.28 1 9.375 532.32 100 8.875 532.32 CYPRESS TX 77429 1 07/19/01 23 0412847857 05 09/01/01 0 0412847857 O 08/01/31 0 5167125 W63/G01 F 127,982.36 ZZ 360 127,645.45 1 9.250 1,052.88 107 9.000 1,052.88 SOUTH EUCLID OH 44121 1 06/12/01 23 0433098753 05 07/12/01 0 8881330909 O 06/12/31 0 5167244 737/G01 F 126,650.00 ZZ 360 126,456.62 1 9.375 1,053.41 103 9.125 1,053.41 GLENDALE AZ 85308 1 07/25/01 23 0433198793 05 09/01/01 0 2028931 O 08/01/31 0 5167605 664/G01 F 201,850.00 ZZ 360 201,579.87 1 10.000 1,771.38 103 9.750 1,771.38 ALEXANDRIA VA 22315 1 07/27/01 23 0433190865 09 09/01/01 0 0008265423 O 08/01/31 0 5168840 P29/G01 F 105,060.00 ZZ 360 104,926.71 1 10.250 941.44 103 10.000 941.44 BROOKLYN PARK MN 55443 1 07/27/01 23 0433043049 09 09/01/01 0 1 5168840 O 08/01/31 0 5169839 E84/G01 F 70,400.00 ZZ 360 70,292.51 1 9.375 585.55 100 9.125 585.55 MIDDLETON ID 83644 1 07/27/01 23 0433260288 05 09/01/01 0 62300328 O 08/01/31 0 5170497 808/G01 F 215,000.00 ZZ 360 214,635.70 1 8.875 1,710.64 100 8.625 1,710.64 LONG BEACH CA 90815 1 07/26/01 23 0433090974 05 09/01/01 0 9320467 O 08/01/31 0 5171212 642/G01 F 79,000.00 ZZ 360 78,960.42 1 9.500 664.27 100 9.250 664.27 MIAMI FL 33179 1 09/05/01 23 0433226560 01 11/01/01 0 07166001 O 10/01/31 0 5173340 J95/G01 F 93,150.00 ZZ 360 92,988.02 1 8.750 732.82 107 8.500 732.82 ROSEBURG OR 97470 1 07/26/01 23 0433238045 05 09/01/01 0 0027304393 O 08/01/31 0 5174385 U62/G01 F 159,500.00 ZZ 360 159,229.77 1 8.875 1,269.05 107 8.625 1,269.05 HERNDON VA 20170 5 07/25/01 23 0433047313 09 09/01/01 0 2001258814 O 08/01/31 0 1 5176165 E22/G01 F 167,100.00 ZZ 360 166,844.88 1 9.375 1,389.85 105 8.875 1,389.85 SMYRNA DE 19977 5 07/16/01 23 0412560112 05 09/01/01 0 0412560112 O 08/01/31 0 5176183 E22/G01 F 46,550.00 ZZ 360 46,477.03 2 9.250 382.96 95 9.000 382.96 MEMPHIS TN 38118 1 07/20/01 23 0412752909 05 09/01/01 0 0412752909 N 08/01/31 0 5176247 E22/G01 F 226,600.00 ZZ 360 226,235.48 1 9.125 1,843.69 103 8.875 1,843.69 LAKELAND TN 38002 1 07/20/01 23 0412818122 05 09/01/01 0 0412818122 O 08/01/31 0 5176265 E22/G01 F 128,400.00 ZZ 360 128,170.95 1 8.625 998.68 107 8.125 998.68 GRESHAM OR 97080 1 07/17/01 23 0412832438 05 09/01/01 0 0412832438 O 08/01/31 0 5176273 E22/G01 F 138,900.00 ZZ 360 138,676.55 1 9.125 1,130.14 103 8.875 1,130.14 LAKEWOOD CO 80235 1 07/20/01 23 0412839144 01 09/01/01 0 0412839144 O 08/01/31 0 5176280 E22/G01 F 94,900.00 ZZ 360 94,755.10 1 9.375 789.33 95 9.125 789.33 1 KENNEWICK WA 99336 1 07/17/01 23 0412851982 05 09/01/01 0 0412851982 N 08/01/31 0 5176805 J95/G01 F 124,800.00 ZZ 360 124,553.42 1 8.125 926.64 92 7.875 926.64 OAK PARK MI 48237 5 07/25/01 23 0433113305 05 09/01/01 0 0027289719 O 08/01/31 0 5177941 J95/G01 F 229,350.00 ZZ 360 228,951.23 1 8.750 1,804.30 102 8.500 1,804.30 TUCSON AZ 85715 1 07/26/01 23 0433040540 03 09/01/01 0 0027331883 O 08/01/31 0 5178256 737/G01 F 156,550.00 ZZ 360 156,284.76 1 8.875 1,245.58 103 8.625 1,245.58 SUN LAKES AZ 85248 1 07/27/01 23 0433165941 03 09/01/01 0 2032302 O 08/01/31 0 5178393 J95/G01 F 154,050.00 ZZ 360 153,768.02 1 8.500 1,184.52 105 8.250 1,184.52 CORNELIUS OR 97113 1 07/26/01 23 0433165735 03 09/01/01 0 0027321629 O 08/01/31 0 5179074 808/G01 F 130,000.00 ZZ 360 129,841.93 1 8.500 999.59 100 8.250 999.59 FONTANA CA 92337 1 08/03/01 23 0433202983 05 10/01/01 0 9320486 O 09/01/31 0 1 5179554 K15/G01 F 128,200.00 ZZ 360 128,045.80 1 10.500 1,172.70 103 10.250 1,172.70 NORTH RIDGEVILL OH 44039 5 07/26/01 23 0433069986 05 09/01/01 0 028705303574 O 08/01/31 0 5179555 664/G01 F 93,730.00 ZZ 360 93,601.60 1 11.250 910.37 103 11.000 910.37 SAN ANGELO TX 76904 1 06/11/01 23 0433001344 05 08/01/01 0 0008117178 O 07/01/31 0 5179573 964/G01 F 137,613.00 ZZ 360 137,436.90 1 8.250 1,033.84 106 8.000 1,033.84 FAIRFIELD CA 94533 1 08/16/01 23 0433112752 01 10/01/01 0 136183 O 09/01/31 0 5179889 737/G01 F 182,000.00 ZZ 360 181,803.52 1 11.000 1,733.23 102 10.750 1,733.23 CAVE CREEK AZ 85331 1 07/24/01 23 0433254844 03 09/01/01 0 2031795 O 08/01/31 0 5179911 408/G01 F 150,836.00 ZZ 360 150,599.59 1 9.250 1,240.89 107 9.000 1,240.89 SPRING HILL KS 66083 1 07/27/01 23 0433099108 05 09/01/01 0 703008886 O 08/01/31 0 5180386 J95/G01 F 80,000.00 ZZ 360 79,749.19 1 1 8.625 622.23 100 8.375 622.23 WEST RICHLAND WA 99353 1 07/25/01 23 0433124567 05 09/01/01 0 0027276179 O 08/01/31 0 5180668 R65/G01 F 180,000.00 ZZ 360 179,695.01 2 8.875 1,432.16 103 8.625 1,432.16 LOS ANGELES CA 90057 1 07/27/01 23 0433188117 05 09/01/01 0 MWLLC1145 O 08/01/31 0 5181328 Q64/G01 F 169,000.00 ZZ 360 168,748.63 1 9.500 1,421.05 100 9.250 1,421.05 ALEXANDRIA KY 41001 1 07/12/01 23 0433161858 05 09/01/01 0 0302075106 O 08/01/31 0 5181844 808/G01 F 389,500.00 ZZ 360 387,077.56 1 8.500 2,994.92 104 8.250 2,994.92 MARTINEZ CA 94553 1 08/02/01 23 0433132321 05 10/01/01 0 9422382 O 09/01/31 0 5181920 U05/G01 F 187,250.00 ZZ 360 187,039.26 1 8.875 1,489.85 107 8.625 1,489.85 AURORA CO 80015 2 08/07/01 23 0433101656 03 10/01/01 0 3154855 O 09/01/31 0 5182521 K15/G01 F 126,600.00 ZZ 180 125,633.17 1 9.500 1,321.99 106 9.250 1,321.99 MUSKEGON MI 49442 5 07/26/01 23 0433047214 05 09/01/01 0 1 035905303969 O 08/01/16 0 5182799 K15/G01 F 166,800.00 ZZ 360 166,538.58 1 9.250 1,372.22 102 9.000 1,372.22 SCARBOROUGH ME 04074 5 07/26/01 23 0433077708 03 09/01/01 0 013805307703216 O 08/01/31 0 5182890 E86/G01 F 255,700.00 ZZ 360 255,288.67 1 9.125 2,080.46 107 8.875 2,080.46 DES PLAINES IL 60016 1 07/26/01 23 0433045689 05 09/01/01 0 127812 O 08/01/31 0 5183194 K15/G01 F 172,900.00 ZZ 360 172,741.59 1 11.750 1,745.27 95 11.500 1,745.27 AURORA CO 80017 5 07/26/01 23 0433041704 05 09/01/01 0 021805301610 O 08/01/31 0 5183241 R65/G01 F 176,000.00 ZZ 360 173,761.92 1 8.875 1,400.34 105 8.625 1,400.34 CARSON CITY NV 89701 1 07/30/01 23 0433213832 05 09/01/01 0 20013797 O 08/01/31 0 5183618 147/G01 F 360,000.00 ZZ 360 359,561.37 1 8.490 2,765.54 100 8.240 2,765.54 NEWBURY PARK CA 91320 5 08/01/01 23 0433128691 05 10/01/01 0 15022986 O 09/01/31 0 1 5184970 E22/G01 F 130,000.00 ZZ 360 129,790.89 1 9.125 1,057.72 100 8.875 1,057.72 PETERBOROUGH NH 03458 1 07/23/01 23 0412630386 07 09/01/01 0 0412630386 O 08/01/31 0 5184989 E22/G01 F 192,600.00 ZZ 360 192,290.16 1 9.125 1,567.06 107 8.625 1,567.06 TUOLUMNE CA 95379 5 07/10/01 23 0412750846 05 09/01/01 0 0412750846 O 08/01/31 0 5184993 E22/G01 F 21,400.00 ZZ 360 21,113.42 1 9.375 177.99 107 9.125 177.99 SAINT LOUIS MO 63111 1 07/23/01 23 0412761371 05 09/01/01 0 0412761371 O 08/01/31 0 5185023 E22/G01 F 42,800.00 ZZ 360 42,736.33 1 9.500 359.89 107 9.000 359.89 MESQUITE TX 75149 1 07/23/01 23 0412795338 05 09/01/01 0 0412795338 O 08/01/31 0 5185026 E22/G01 F 182,825.00 ZZ 360 182,507.12 1 8.750 1,438.29 103 8.500 1,438.29 ORANGEVALE CA 95662 1 07/17/01 23 0412796708 05 09/01/01 0 0412796708 O 08/01/31 0 5185032 E22/G01 F 138,993.00 ZZ 360 138,763.52 1 9.000 1,118.37 107 8.750 1,118.37 1 GREELEY CO 80634 1 07/23/01 23 0412801680 03 09/01/01 0 0412801680 O 08/01/31 0 5185036 E22/G01 F 196,800.00 ZZ 360 196,304.91 1 9.500 1,654.80 107 9.250 1,654.80 WHEATON IL 60187 5 07/18/01 23 0412804759 05 09/01/01 0 0412804759 O 08/01/31 0 5185042 E22/G01 F 351,225.00 ZZ 360 350,614.35 1 8.750 2,763.09 104 8.250 2,763.09 ALAMEDA CA 94501 1 07/16/01 23 0412808610 01 09/01/01 0 0412808610 O 08/01/31 0 5185048 E22/G01 F 172,000.00 ZZ 360 171,700.98 1 8.750 1,353.12 102 8.250 1,353.12 RENO NV 89509 2 07/16/01 23 0412811614 05 09/01/01 0 0412811614 O 08/01/31 0 5185049 E22/G01 F 157,300.00 ZZ 360 157,089.49 1 10.000 1,380.42 99 9.500 1,380.42 ARLINGTON TN 38002 1 07/23/01 23 0412811655 05 09/01/01 0 0412811655 O 08/01/31 0 5185072 E22/G01 F 153,000.00 ZZ 360 152,753.87 1 9.125 1,244.86 107 8.875 1,244.86 LOUISVILLE KY 40241 2 07/17/01 23 0412823866 05 09/01/01 0 0412823866 O 08/01/31 0 1 5185078 E22/G01 F 120,000.00 ZZ 360 119,826.14 1 9.625 1,019.99 100 9.125 1,019.99 RICHARDSON TX 75080 1 07/23/01 23 0412827883 05 09/01/01 0 0412827883 O 08/01/31 0 5185089 E22/G01 F 82,900.00 ZZ 360 82,759.54 1 8.875 659.59 107 8.625 659.59 SLIDELL LA 70458 1 07/23/01 23 0412845570 03 09/01/01 0 0412845570 O 08/01/31 0 5185094 E22/G01 F 70,000.00 ZZ 360 69,922.37 2 10.875 660.02 100 10.375 660.02 DETROIT MI 48212 1 07/23/01 23 0412859381 05 09/01/01 0 0412859381 O 08/01/31 0 5185145 E82/G01 F 233,000.00 ZZ 360 232,584.34 1 8.625 1,812.25 107 8.375 1,812.25 WEST BLOOMINGTO MN 55438 1 07/25/01 23 0400456109 05 09/01/01 0 0400456109 O 08/01/31 0 5185367 J40/G01 F 208,172.00 ZZ 360 207,878.26 1 9.750 1,788.52 103 9.500 1,788.52 CARY NC 27513 1 07/27/01 23 0433053642 03 09/01/01 0 1059541 O 08/01/31 0 5185372 J95/G01 F 140,050.00 ZZ 360 139,780.23 1 1 8.250 1,052.15 107 8.000 1,052.15 SPRINGFIELD VA 22153 1 07/26/01 23 0433132198 09 09/01/01 0 18673772 O 08/01/31 0 5187683 964/G01 F 124,500.00 ZZ 360 124,314.84 1 9.500 1,046.86 102 9.250 1,046.86 LAS VEGAS NV 89122 1 07/27/01 23 0433057890 01 09/01/01 0 136859 O 08/01/31 0 5188545 948/G01 F 304,843.00 ZZ 360 304,481.75 1 8.625 2,371.04 107 8.375 2,371.04 PORT ORCHARD WA 98367 1 08/07/01 23 0433106531 05 10/01/01 0 1HAYS O 09/01/31 0 5188851 E87/G01 F 207,382.00 ZZ 360 207,002.43 1 8.500 1,594.59 105 8.250 1,594.59 CHINO CA 91710 1 07/27/01 23 0433047438 05 09/01/01 0 01070227 O 08/01/31 0 5189166 U05/G01 F 276,550.00 ZZ 360 276,297.68 1 9.875 2,401.42 103 9.625 2,401.42 LAKEWOOD CA 90712 1 08/16/01 23 0433164175 05 10/01/01 0 3154811 O 09/01/31 0 5190497 E45/G01 F 128,800.00 ZZ 360 128,608.44 1 9.500 1,083.02 100 9.250 1,083.02 MOORE SC 29369 1 07/30/01 23 0433227378 05 09/01/01 0 1 149791 O 08/01/31 0 5190852 J95/G01 F 154,900.00 ZZ 360 154,623.65 1 8.625 1,204.80 100 8.375 1,204.80 MONROE NC 28110 1 07/30/01 23 0433102753 05 09/01/01 0 0023594898 O 08/01/31 0 5191718 K15/G01 F 102,900.00 ZZ 360 102,802.91 1 11.625 1,028.84 103 11.375 1,028.84 LINCOLNTON NC 28092 1 07/26/01 23 0433100393 05 09/01/01 0 0059521619 O 08/01/31 0 5192286 B57/G01 F 299,900.00 ZZ 360 299,587.86 1 9.250 2,467.20 100 9.000 2,467.20 THOUSAND OAKS CA 91320 1 08/06/01 23 0433125234 05 10/01/01 0 2116004 O 09/01/31 0 5192354 964/G01 F 147,300.00 ZZ 360 147,154.52 1 9.500 1,238.58 103 9.250 1,238.58 LAS VEGAS NV 89143 1 08/07/01 23 0433100997 05 10/01/01 0 135847 O 09/01/31 0 5193914 K15/G01 F 151,900.00 ZZ 360 151,775.45 1 10.375 1,375.31 103 10.125 1,375.31 ALEXANDRIA LA 71303 5 08/02/01 23 0433040235 05 10/01/01 0 000905304240 O 09/01/31 0 1 5194278 E22/G01 F 154,500.00 ZZ 360 154,309.16 1 10.375 1,398.85 103 10.125 1,398.85 WOODBRIDGE TWP NJ 07077 1 07/24/01 23 0412767493 01 09/01/01 0 0412767493 O 08/01/31 0 5194306 E22/G01 F 77,040.00 ZZ 360 76,902.57 1 8.625 599.21 107 8.125 599.21 HOUSTON TX 77009 1 07/20/01 23 0412799736 05 09/01/01 0 0412799736 O 08/01/31 0 5194307 E22/G01 F 139,800.00 ZZ 360 139,664.67 1 11.500 1,384.43 99 11.000 1,384.43 HELENA AL 35080 9 07/19/01 23 0412800989 05 09/01/01 0 0412800989 O 08/01/31 0 5194312 E22/G01 F 262,150.00 ZZ 360 261,717.19 1 9.000 2,109.32 107 8.500 2,109.32 NAVARRE BEACH FL 32566 5 07/19/01 23 0412803884 05 09/01/01 0 0412803884 O 08/01/31 0 5194319 E22/G01 F 139,900.00 ZZ 360 139,674.96 1 9.125 1,138.27 100 8.875 1,138.27 ST. CLAIR SHORE MI 48081 1 07/23/01 23 0412812216 05 09/01/01 0 0412812216 O 08/01/31 0 5194331 E22/G01 F 278,200.00 ZZ 360 277,740.69 1 9.000 2,238.46 107 8.750 2,238.46 1 SALIDA CA 95368 1 07/19/01 23 0412827958 05 09/01/01 0 0412827958 O 08/01/31 0 5194333 E22/G01 F 66,800.00 ZZ 360 66,695.22 1 10.250 598.60 99 9.750 598.60 LEICESTER NC 28748 1 07/24/01 23 0412828964 05 09/01/01 0 0412828964 O 08/01/31 0 5194339 E22/G01 F 166,920.00 ZZ 360 166,629.80 1 8.750 1,313.16 107 8.500 1,313.16 BATON ROUGE LA 70815 1 07/23/01 23 0412832321 05 09/01/01 0 0412832321 O 08/01/31 0 5194543 U59/G01 F 94,500.00 ZZ 360 94,343.95 1 9.000 760.37 106 8.750 760.37 OPA LOCKA FL 33054 1 08/06/01 23 0433056108 05 09/06/01 0 01933800880546 O 08/06/31 0 5194895 253/G01 F 128,250.00 ZZ 360 128,054.18 1 9.375 1,066.72 95 9.125 1,066.72 CEDAR HILL TX 75104 1 07/30/01 23 0433248184 05 09/01/01 0 973109 N 08/01/31 0 5195497 L16/G01 F 108,205.00 ZZ 360 108,039.80 1 9.375 899.99 95 9.125 899.99 OREM UT 84057 1 07/27/01 23 0433117371 01 09/01/01 0 W0107109 N 08/01/31 0 1 5195822 U59/G01 F 61,655.00 ZZ 360 61,558.34 1 9.250 507.23 95 9.000 507.23 BUFFALO NY 14215 1 08/02/01 23 0433060084 05 09/02/01 0 800876212 O 08/02/31 0 5195981 Q64/G01 F 115,025.00 ZZ 360 114,835.09 1 9.000 925.52 107 8.750 925.52 NORTH LAUDERDAL FL 33068 1 07/13/01 23 0433265683 09 09/01/01 0 0102148301 O 08/01/31 0 5196200 R49/G01 F 65,500.00 ZZ 360 65,433.58 1 9.375 544.80 100 9.125 544.80 ADELANTO CA 92301 1 08/09/01 23 0433180668 05 10/01/01 0 9710735 O 09/01/31 0 5196449 Q64/G01 F 46,000.00 ZZ 360 45,931.57 1 9.500 386.80 100 9.250 386.80 MARIANNA FL 32446 1 07/19/01 23 0433080462 05 09/01/01 0 0102136900 O 08/01/31 0 5196678 642/G01 F 159,430.00 ZZ 360 159,180.13 1 9.250 1,311.59 107 9.000 1,311.59 ALBUQUERQUE NM 87109 2 07/26/01 23 0433040813 05 09/01/01 0 07113701 O 08/01/31 0 5197395 Q64/G01 F 159,650.00 ZZ 360 159,418.69 1 1 9.625 1,357.01 103 9.375 1,357.01 STONE MOUNTAIN GA 30083 2 07/11/01 23 0433055365 05 09/01/01 0 0102164308 O 08/01/31 0 5197776 J40/G01 F 128,700.00 ZZ 360 128,541.01 1 10.375 1,165.26 100 10.125 1,165.26 CLINTON TN 37716 1 07/31/01 23 0433217866 05 09/01/01 0 1061225 O 08/01/31 0 5198307 940/G01 F 87,550.00 ZZ 360 87,426.46 1 9.750 752.19 103 9.500 752.19 APPLE VALLEY CA 92307 1 07/27/01 23 0433046166 05 09/01/01 0 65010254 O 08/01/31 0 5199187 J95/G01 F 51,700.00 ZZ 360 51,646.19 1 9.250 425.32 104 9.000 425.32 MULLAN ID 83846 5 08/01/01 23 0433117637 05 10/01/01 0 0027338136 O 09/01/31 0 5200742 003/G01 F 115,800.00 ZZ 360 115,613.70 1 9.125 942.19 95 8.875 942.19 LOGANVILLE GA 30052 1 08/03/01 23 0433243656 03 09/01/01 0 0021535158 O 08/01/31 0 5201879 R17/G01 F 79,670.00 ZZ 360 79,500.05 1 9.375 662.66 100 9.125 662.66 CLEARWATER FL 33756 1 06/27/01 23 0433191202 05 08/01/01 0 1 1000043445 O 07/01/31 0 5202451 E22/G01 F 50,000.00 ZZ 360 49,923.68 1 9.375 415.87 100 8.875 415.87 DELRAY BEACH FL 33484 1 07/25/01 23 0412738841 01 09/01/01 0 0412738841 O 08/01/31 0 5202459 E22/G01 F 181,950.00 ZZ 360 181,679.39 1 9.500 1,529.93 100 9.250 1,529.93 LINCOLN CA 95648 1 07/16/01 23 0412771107 05 09/01/01 0 0412771107 O 08/01/31 0 5202466 E22/G01 F 90,950.00 ZZ 360 90,807.46 1 9.250 748.22 107 9.000 748.22 LYNDEBOROUGH NH 03082 1 07/25/01 23 0412790644 05 09/01/01 0 0412790644 O 08/01/31 0 5202479 E22/G01 F 154,450.00 ZZ 360 154,232.08 1 9.750 1,326.96 96 9.500 1,326.96 DORCHESTER MA 02125 1 07/24/01 23 0412805764 07 09/01/01 0 0412805764 O 08/01/31 0 5202482 E22/G01 F 299,970.00 ZZ 360 299,434.85 1 8.625 2,333.14 100 8.125 2,333.14 SAN LORENZO CA 94580 1 07/16/01 23 0412812018 05 09/01/01 0 0412812018 O 08/01/31 0 1 5202483 E22/G01 F 236,270.00 ZZ 360 235,859.20 1 8.750 1,858.74 107 8.250 1,858.74 MAPLE VALLEY WA 98038 9 07/17/01 23 0412812265 05 09/01/01 0 0412812265 O 08/01/31 0 5202505 E22/G01 F 97,700.00 ZZ 360 97,479.82 1 9.375 812.62 107 9.125 812.62 DEARBORN HEIGHT MI 48125 1 07/25/01 23 0412827560 05 09/01/01 0 0412827560 O 08/01/31 0 5202521 E22/G01 F 143,900.00 ZZ 360 143,633.22 2 9.875 1,249.55 100 9.625 1,249.55 FAIRBANKS AK 99709 1 07/18/01 23 0412844151 05 09/01/01 0 0412844151 O 08/01/31 0 5202523 E22/G01 F 62,000.00 ZZ 360 61,666.34 1 9.375 515.68 100 9.125 515.68 FORT WORTH TX 76116 1 07/20/01 23 0412846198 05 09/01/01 0 0412846198 O 08/01/31 0 5202525 E22/G01 F 52,200.00 ZZ 360 52,095.75 1 8.625 406.01 107 8.375 406.01 BAY CITY MI 48706 1 07/25/01 23 0412846438 05 09/01/01 0 0412846438 O 08/01/31 0 5202528 E22/G01 F 219,900.00 ZZ 360 219,555.36 1 9.250 1,809.06 100 8.750 1,809.06 1 SACRAMENTO CA 95828 1 07/18/01 23 0412852550 05 09/01/01 0 0412852550 O 08/01/31 0 5202667 U59/G01 F 80,855.00 ZZ 360 80,757.74 1 10.500 739.62 103 10.250 739.62 GASTONVILLE PA 15336 1 07/31/01 23 0433086378 05 09/01/01 0 2029479 O 08/01/31 0 5203047 J40/G01 F 66,950.00 ZZ 360 66,883.88 1 9.500 562.95 103 9.250 562.95 LONG BEACH MS 39560 1 08/09/01 23 0433190980 05 10/01/01 0 1061791 O 09/01/31 0 5203157 J95/G01 F 73,100.00 ZZ 360 73,021.89 1 9.125 594.77 103 8.875 594.77 KINGSVILLE MO 64061 1 08/27/01 23 0433189313 05 10/01/01 0 0027354810 O 09/01/31 0 5203310 U59/G01 F 96,193.00 ZZ 360 96,056.86 1 9.750 826.45 107 9.500 826.45 DEPEW NY 14043 1 08/02/01 23 0433059540 05 09/02/01 0 800878725 O 08/02/31 0 5203570 N74/G01 F 157,800.00 ZZ 360 157,559.06 1 9.375 1,312.50 106 9.125 1,312.50 MONROE NC 28110 1 07/30/01 23 0433052305 05 09/01/01 0 0029186010 O 08/01/31 0 1 5203624 L16/G01 F 296,000.00 ZZ 360 295,548.05 1 9.375 2,461.98 100 9.125 2,461.98 LITTLETON CO 80123 1 08/01/01 23 0433043718 03 09/01/01 0 W0107128 O 08/01/31 0 5204257 T17/G01 F 222,124.00 ZZ 360 221,670.04 1 9.375 1,847.51 100 9.125 1,847.51 FAYETTEVILLE GA 30214 1 07/31/01 23 0433104288 05 08/29/01 0 01060353 O 07/29/31 0 5204869 964/G01 F 169,800.00 ZZ 360 169,572.75 1 10.000 1,490.12 103 9.750 1,490.12 LAS VEGAS NV 89123 1 07/26/01 23 0433054772 09 09/01/01 0 135960 O 08/01/31 0 5204983 J95/G01 F 128,698.00 ZZ 360 128,479.95 1 8.875 1,023.98 103 8.625 1,023.98 PRAIRIE VILLAGE KS 66208 1 07/30/01 23 0433117629 05 09/01/01 0 027295609 O 08/01/31 0 5205128 B28/G01 F 128,500.00 ZZ 360 128,303.80 1 9.375 1,068.80 100 9.125 1,068.80 LITTLE ROCK AR 72212 1 07/31/01 23 0433113255 05 09/01/01 0 0107200026 O 08/01/31 0 5205177 664/G01 F 77,650.00 ZZ 360 77,548.81 1 1 10.125 688.62 103 9.875 688.62 WILTON IA 52778 1 07/31/01 23 0433206240 05 09/01/01 0 0008276420 O 08/01/31 0 5205252 588/G01 F 145,400.00 ZZ 360 145,153.63 1 8.875 1,156.87 107 8.625 1,156.87 GERMANTOWN MD 20874 1 07/31/01 23 0433194842 03 09/01/01 0 00010467297 O 08/01/31 0 5205356 642/G01 F 184,300.00 ZZ 360 184,003.51 1 9.125 1,499.53 98 8.875 1,499.53 CLEVELAND OH 44111 1 07/20/01 23 0433042371 05 09/01/01 0 06185901 O 08/01/31 0 5208815 R65/G01 F 169,000.00 ZZ 360 168,713.07 1 8.875 1,344.64 102 8.625 1,344.64 DUPONT WA 98327 5 07/26/01 23 0433182524 03 09/01/01 0 MWLLC1184 O 08/01/31 0 5209095 T17/G01 F 89,880.00 ZZ 360 89,742.76 1 9.375 747.58 107 9.125 747.58 CONCORD NC 28027 5 08/09/01 23 0433118080 05 09/12/01 0 01060355 O 08/12/31 0 5209120 964/G01 F 300,670.00 ZZ 360 297,657.52 1 8.625 2,338.58 107 8.375 2,338.58 COLORADO SPRING CO 80921 5 07/26/01 23 0433051729 05 09/01/01 0 1 134764 O 08/01/31 0 5209166 808/G01 F 234,500.00 ZZ 360 234,081.65 1 8.625 1,823.92 102 8.375 1,823.92 HUNTINGTON BEAC CA 92649 1 07/30/01 23 0433074473 01 09/01/01 0 9319657 O 08/01/31 0 5209656 K15/G01 F 97,800.00 ZZ 360 97,665.19 1 10.125 867.31 103 9.875 867.31 FORT SMITH AR 72908 5 08/01/01 23 0433041449 05 10/01/01 0 038205302732 O 09/01/31 0 5210519 G52/G01 F 204,370.00 ZZ 360 204,145.90 1 9.000 1,644.41 107 8.750 1,644.41 AUSTIN TX 78704 1 08/02/01 23 0433253341 05 10/01/01 0 7405001743 O 09/01/31 0 5210970 U62/G01 F 194,250.00 ZZ 360 193,866.21 1 8.125 1,442.30 100 7.875 1,442.30 LOGANVILLE GA 30052 5 07/26/01 23 0433051273 05 09/01/01 0 200126080 O 08/01/31 0 5211238 E22/G01 F 45,450.00 ZZ 360 45,395.34 1 10.500 415.75 100 10.250 415.75 DALLAS TX 75227 1 07/11/01 23 0412724353 07 09/01/01 0 0412724353 O 08/01/31 0 1 5211239 E22/G01 F 203,000.00 ZZ 360 202,637.86 1 8.625 1,578.91 107 8.125 1,578.91 WEST COVINA CA 91790 5 07/05/01 23 0412726879 05 09/01/01 0 0412726879 O 08/01/31 0 5211242 E22/G01 F 64,600.00 ZZ 360 64,474.07 2 9.375 537.31 95 9.125 537.31 NEW ALBANY IN 47150 1 07/26/01 23 0412733099 05 09/01/01 0 0412733099 N 08/01/31 0 5211246 E22/G01 F 141,625.00 ZZ 360 141,385.06 1 8.875 1,126.83 103 8.375 1,126.83 ORANGE CA 92866 1 07/23/01 23 0412748048 01 09/01/01 0 0412748048 O 08/01/31 0 5211256 E22/G01 F 90,400.00 ZZ 360 90,232.59 1 10.875 852.37 96 10.375 852.37 ROWLETT TX 75088 2 07/20/01 23 0412776288 05 09/01/01 0 0412776288 O 08/01/31 0 5211259 E22/G01 F 98,000.00 ZZ 360 97,850.39 1 9.375 815.11 100 9.125 815.11 FRONT ROYAL VA 22630 1 07/26/01 23 0412790982 05 09/01/01 0 0412790982 O 08/01/31 0 5211266 E22/G01 F 184,800.00 ZZ 360 184,191.63 1 8.250 1,388.34 107 7.750 1,388.34 1 RANCHO CORDOVA CA 95670 1 07/16/01 23 0412805400 05 09/01/01 0 0412805400 O 08/01/31 0 5211268 E22/G01 F 210,000.00 ZZ 360 209,653.28 1 9.000 1,689.71 100 8.750 1,689.71 DOWNEY CA 90240 1 07/23/01 23 0412809550 01 09/01/01 0 0412809550 O 08/01/31 0 5211271 E22/G01 F 164,950.00 ZZ 360 164,677.66 1 9.000 1,327.23 100 8.750 1,327.23 HANFORD CA 93230 1 07/20/01 23 0412812521 05 09/01/01 0 0412812521 O 08/01/31 0 5211273 E22/G01 F 203,979.00 ZZ 360 203,555.58 2 8.750 1,604.70 100 8.500 1,604.70 AUSTIN TX 78745 1 07/25/01 23 0412812703 05 09/01/01 0 0412812703 O 08/01/31 0 5211274 E22/G01 F 263,000.00 ZZ 360 262,530.81 1 8.625 2,045.59 106 8.375 2,045.59 PLEASANT HILL CA 94523 1 07/24/01 23 0412813792 09 09/01/01 0 0412813792 O 08/01/31 0 5211281 E22/G01 F 197,625.00 ZZ 360 197,286.84 1 8.875 1,572.39 106 8.375 1,572.39 TEMECULA CA 92592 1 07/24/01 23 0412826943 05 09/01/01 0 0412826943 O 08/01/31 0 1 5211284 E22/G01 F 354,900.00 ZZ 360 354,266.86 1 8.625 2,760.38 100 8.125 2,760.38 FREMONT CA 94555 1 07/20/01 23 0412831794 05 09/01/01 0 0412831794 O 08/01/31 0 5211292 E22/G01 F 38,950.00 ZZ 360 38,890.52 1 9.375 323.97 95 8.875 323.97 SAN ANTONIO TX 78251 1 07/26/01 23 0412837619 05 09/01/01 0 0412837619 N 08/01/31 0 5211298 E22/G01 F 102,000.00 ZZ 360 101,719.78 1 8.875 811.56 105 8.625 811.56 UPPER LAKE CA 95485 1 07/20/01 23 0412849739 05 09/01/01 0 0412849739 O 08/01/31 0 5211302 E22/G01 F 47,405.00 ZZ 360 47,332.62 1 9.375 394.29 95 9.125 394.29 ST JOSEPH MO 64507 1 07/26/01 23 0412851909 05 09/01/01 0 0412851909 N 08/01/31 0 5212148 J40/G01 F 161,070.00 ZZ 360 160,657.95 1 8.750 1,267.14 103 8.500 1,267.14 TARPON SPRINGS FL 34689 1 07/31/01 23 0433101870 03 09/01/01 0 1060077 O 08/01/31 0 5213405 G13/G01 F 54,760.00 ZZ 360 54,688.66 1 1 10.125 485.62 103 9.875 485.62 JACKSONVILLE NC 28540 1 08/01/01 23 0433199486 05 09/01/01 0 14451 O 08/01/31 0 5213763 R17/G01 F 115,625.00 ZZ 360 115,357.99 1 9.875 1,004.03 103 9.625 1,004.03 VICKSBURG MS 39183 1 05/21/01 23 0433051000 05 07/01/01 0 1000041200 O 06/01/31 0 5214490 U05/G01 F 109,300.00 ZZ 360 109,114.81 1 8.875 869.64 107 8.625 869.64 INDUSTRY PA 15052 1 08/03/01 23 0433052735 05 09/01/01 0 3151364 O 08/01/31 0 5215016 U62/G01 F 226,000.00 ZZ 360 225,846.65 1 11.250 2,195.05 103 11.000 2,195.05 WEST BLOOMFIELD MI 48324 5 08/04/01 23 0433104098 05 10/01/01 0 200126809 O 09/01/31 0 5215023 664/G01 F 126,500.00 ZZ 360 126,291.14 1 9.000 1,017.85 100 8.750 1,017.85 ARLINGTON TN 38002 1 07/31/01 23 0433103538 05 09/01/01 0 0008215246 O 08/01/31 0 5217373 940/G01 F 245,655.00 ZZ 360 245,289.63 1 9.500 2,065.60 103 9.250 2,065.60 DIAMOND BAR CA 91765 1 07/27/01 23 0433067030 03 09/01/01 0 1 200100J2 O 08/01/31 0 5218665 940/G01 F 79,700.00 ZZ 360 79,603.10 1 8.500 612.82 107 8.250 612.82 REDLANDS CA 92373 1 08/07/01 23 0433147279 01 10/01/01 0 40010800 O 09/01/31 0 5219546 U05/G01 F 116,100.00 ZZ 360 115,962.43 1 8.625 903.01 106 8.375 903.01 TOLEDO OH 43623 1 08/10/01 23 0433101896 05 10/01/01 0 3156281 O 09/01/31 0 5219853 E22/G01 F 221,900.00 ZZ 360 221,473.15 1 10.000 1,947.33 100 9.750 1,947.33 BRISTOL CT 06010 1 07/27/01 23 0412714495 05 09/01/01 0 0412714495 O 08/01/31 0 5219854 E22/G01 F 169,950.00 ZZ 360 169,740.05 1 10.375 1,538.74 103 9.875 1,538.74 VALLEY SPRINGS CA 95252 1 07/23/01 23 0412724551 05 09/01/01 0 0412724551 O 08/01/31 0 5219856 E22/G01 F 275,000.00 ZZ 360 274,281.13 1 9.625 2,337.47 106 9.375 2,337.47 BELLEVILLE MI 48111 1 06/15/01 23 0412738858 05 08/01/01 0 0412738858 O 07/01/31 0 1 5219862 E22/G01 F 64,600.00 ZZ 360 64,501.37 1 9.375 537.31 95 9.125 537.31 SAN ANTONIO TX 78228 1 07/25/01 23 0412762023 05 09/01/01 0 0412762023 N 08/01/31 0 5219865 E22/G01 F 103,500.00 ZZ 360 103,341.97 1 9.375 860.86 100 8.875 860.86 MAGNOLIA TX 77355 1 07/27/01 23 0412772006 05 09/01/01 0 0412772006 O 08/01/31 0 5219868 E22/G01 F 82,850.00 ZZ 360 82,723.52 1 9.375 689.10 104 9.125 689.10 COUNCIL BLUFFS IA 51503 1 07/11/01 23 0412776783 05 09/01/01 0 0412776783 O 08/01/31 0 5219882 E22/G01 F 148,195.00 ZZ 360 147,923.77 1 8.500 1,139.49 107 8.250 1,139.49 LUSBY MD 20657 1 07/27/01 23 0412795965 05 09/01/01 0 0412795965 O 08/01/31 0 5219897 E22/G01 F 89,100.00 ZZ 360 88,950.92 1 10.375 806.72 99 9.875 806.72 PARACHUTE CO 81635 1 07/27/01 23 0412807141 05 09/01/01 0 0412807141 O 08/01/31 0 5219911 E22/G01 F 90,250.00 ZZ 360 90,115.77 1 9.500 758.87 95 9.250 758.87 1 BANGOR MI 49013 1 07/27/01 23 0412823858 05 09/01/01 0 0412823858 O 08/01/31 0 5219913 E22/G01 F 79,850.00 ZZ 360 79,784.50 1 12.250 836.75 100 11.750 836.75 CLINTON IA 52732 1 07/27/01 23 0412824856 05 09/01/01 0 0412824856 O 08/01/31 0 5219918 E22/G01 F 132,800.00 ZZ 360 132,612.61 1 9.750 1,140.96 103 9.500 1,140.96 ORANGE BEACH AL 36561 1 07/27/01 23 0412829434 05 09/01/01 0 0412829434 O 08/01/31 0 5219946 E22/G01 F 73,800.00 ZZ 360 73,678.16 1 9.000 593.81 107 8.750 593.81 MEMPHIS TN 38103 1 07/27/01 23 0412849085 05 09/01/01 0 0412849085 O 08/01/31 0 5219957 E22/G01 F 158,600.00 ZZ 360 158,357.86 1 9.375 1,319.15 97 9.125 1,319.15 CHEYENNE WY 82009 1 07/27/01 23 0412857922 05 09/01/01 0 0412857922 O 08/01/31 0 5219964 E22/G01 F 176,550.00 ZZ 360 176,226.85 1 8.500 1,357.52 107 8.000 1,357.52 EUREKA CA 95501 1 07/24/01 23 0412860694 05 09/01/01 0 0412860694 O 08/01/31 0 1 5219972 E22/G01 F 255,999.00 ZZ 360 255,608.12 1 9.375 2,129.27 100 9.125 2,129.27 DENVER CO 80211 1 07/27/01 23 0412872475 05 09/01/01 0 0412872475 O 08/01/31 0 5219973 E22/G01 F 167,883.00 ZZ 360 167,619.89 1 9.250 1,381.13 107 9.000 1,381.13 SALT LAKE CITY UT 84115 1 07/25/01 23 0412873382 05 09/01/01 0 0412873382 O 08/01/31 0 5219975 E22/G01 F 128,900.00 ZZ 360 128,343.49 1 8.500 991.13 100 8.000 991.13 KATY TX 77450 1 07/27/01 23 0412875767 03 09/01/01 0 0412875767 O 08/01/31 0 5220615 K15/G01 F 103,000.00 ZZ 360 102,906.02 1 9.875 894.40 103 9.625 894.40 RICHMOND IN 47374 5 08/06/01 23 0433053212 05 10/01/01 0 003370005302960 O 09/01/31 0 5221185 N67/G01 F 111,200.00 ZZ 360 111,108.82 1 10.375 1,006.81 103 10.125 1,006.81 AVON LAKE OH 44012 1 08/10/01 23 0433173531 05 10/01/01 0 3250006444 O 09/01/31 0 5222972 644/G01 F 171,000.00 ZZ 360 170,792.09 1 1 8.500 1,314.84 99 8.250 1,314.84 FOREST GROVE OR 97116 5 08/08/01 23 0433285699 05 10/01/01 0 48003714 O 09/01/31 0 5223445 J95/G01 F 122,700.00 ZZ 360 122,550.80 1 8.500 943.46 105 8.250 943.46 BALTIMORE MD 21236 1 08/17/01 23 0433135217 09 10/01/01 0 18660134 O 09/01/31 0 5225314 964/G01 F 236,900.00 ZZ 360 236,619.27 1 8.625 1,842.58 103 8.375 1,842.58 LITTLETON CO 80129 1 08/16/01 23 0433127057 03 10/01/01 0 137866 O 09/01/31 0 5226424 964/G01 F 173,000.00 ZZ 360 172,829.13 1 9.500 1,454.68 103 9.250 1,454.68 LAS VEGAS NV 89156 5 08/02/01 23 0433055183 05 10/01/01 0 138511 O 09/01/31 0 5227339 E87/G01 F 217,500.00 ZZ 360 217,248.83 1 8.750 1,711.07 105 8.500 1,711.07 HYATTSVILLE MD 20785 5 08/21/01 23 0433210606 03 10/01/01 0 01080012 O 09/01/31 0 5228432 700/G01 F 77,250.00 ZZ 360 77,178.73 1 10.625 713.87 103 10.375 713.87 INDIANAPOLIS IN 46217 1 08/23/01 23 0433285285 05 10/01/01 0 1 00260830 O 09/01/31 0 5228769 E22/G01 F 170,000.00 ZZ 360 169,766.39 1 9.875 1,476.19 100 9.375 1,476.19 SACRAMENTO CA 95824 9 07/19/01 23 0412749491 05 09/01/01 0 0412749491 O 08/01/31 0 5228776 E22/G01 F 364,412.00 ZZ 360 363,778.42 1 8.750 2,866.83 104 8.500 2,866.83 DUBLIN CA 94568 1 07/20/01 23 0412768558 05 09/01/01 0 0412768558 O 08/01/31 0 5228809 E22/G01 F 182,980.00 ZZ 360 182,590.06 1 7.750 1,310.89 100 7.250 1,310.89 STOCKTON CA 95210 1 07/25/01 23 0412808263 05 09/01/01 0 0412808263 O 08/01/31 0 5228815 E22/G01 F 103,100.00 ZZ 360 102,911.29 1 8.500 792.75 100 8.000 792.75 ONTARIO CA 91762 1 07/24/01 23 0412813834 01 09/01/01 0 0412813834 O 08/01/31 0 5228817 E22/G01 F 214,000.00 ZZ 360 213,627.93 1 8.750 1,683.54 107 8.500 1,683.54 MOXEE WA 98936 1 07/23/01 23 0412815532 05 09/01/01 0 0412815532 O 08/01/31 0 1 5228827 E22/G01 F 162,850.00 ZZ 360 162,632.05 1 10.000 1,429.13 100 9.750 1,429.13 HELENA AL 35080 1 07/30/01 23 0412822173 05 09/01/01 0 0412822173 O 08/01/31 0 5228829 E22/G01 F 166,860.00 ZZ 360 165,748.39 1 9.500 1,403.05 103 9.000 1,403.05 NORTH PALM BEAC FL 33410 1 07/30/01 23 0412823064 05 09/01/01 0 0412823064 O 08/01/31 0 5228830 E22/G01 F 174,700.00 ZZ 360 174,396.24 1 8.750 1,374.37 95 8.250 1,374.37 RENO NV 89511 1 07/24/01 23 0412823205 03 09/01/01 0 0412823205 N 08/01/31 0 5228831 E22/G01 F 37,080.00 ZZ 360 37,030.39 1 10.000 325.40 103 9.750 325.40 GORDO AL 35466 1 07/30/01 23 0412823346 05 09/01/01 0 0412823346 O 08/01/31 0 5228848 E22/G01 F 196,000.00 ZZ 360 195,744.60 1 10.125 1,738.17 103 9.875 1,738.17 HOWARD OH 43028 9 07/25/01 23 0412831380 05 09/01/01 0 0412831380 O 08/01/31 0 5228851 E22/G01 F 99,395.00 ZZ 360 99,247.16 1 9.500 835.77 100 9.250 835.77 1 SAN ANTONIO TX 78222 1 07/27/01 23 0412835399 05 09/01/01 0 0412835399 O 08/01/31 0 5228852 E22/G01 F 175,550.00 ZZ 360 175,267.61 1 9.125 1,428.33 104 8.875 1,428.33 ROUND ROCK TX 78681 1 07/30/01 23 0412835548 05 09/01/01 0 0412835548 O 08/01/31 0 5228862 E22/G01 F 164,000.00 ZZ 360 163,617.86 1 9.375 1,364.07 100 9.125 1,364.07 LAKESIDE CA 92040 1 07/26/01 23 0412839383 01 09/01/01 0 0412839383 O 08/01/31 0 5228900 E22/G01 F 161,000.00 ZZ 360 160,665.42 2 7.875 1,167.36 106 7.625 1,167.36 NEW ORLEANS LA 70118 1 07/31/01 23 0412858573 05 09/01/01 0 0412858573 O 08/01/31 0 5229479 Q64/G01 F 195,000.00 ZZ 360 194,611.74 1 9.500 1,639.67 104 9.250 1,639.67 BLUFFTON SC 29910 1 06/27/01 23 0433046703 03 08/01/01 0 0102034808 O 07/01/31 0 5229763 664/G01 F 218,350.00 ZZ 360 217,728.82 1 8.875 1,737.29 103 8.625 1,737.29 ANAHEIM CA 92801 1 05/08/01 23 0433210937 05 07/01/01 0 0003827722 O 06/01/31 0 1 5231090 P27/G01 F 250,000.00 ZZ 360 249,576.43 1 8.875 1,989.11 107 8.625 1,989.11 APOPKA FL 32712 5 07/24/01 23 0433252897 03 09/01/01 0 685644 O 08/01/31 0 5231381 E87/G01 F 123,000.00 ZZ 360 122,875.29 1 9.375 1,023.05 107 9.125 1,023.05 WHEATFIELD IN 46392 5 08/23/01 23 0433224359 05 10/01/01 0 01080019 O 09/01/31 0 5232183 147/G01 F 138,020.00 ZZ 360 137,897.11 1 9.990 1,210.21 103 9.740 1,210.21 HESPERIA CA 92345 5 08/08/01 23 0433190915 05 10/01/01 0 10425595 O 09/01/31 0 5232351 U28/G01 F 199,100.00 ZZ 360 198,779.72 1 9.125 1,619.94 95 8.875 1,619.94 GARNER NC 27529 1 07/31/01 23 0433088937 05 09/01/01 0 MAGNUMJ O 08/01/31 0 5232374 808/G01 F 143,150.00 ZZ 360 142,999.77 1 9.500 1,203.69 103 9.250 1,203.69 MODESTO CA 95351 1 08/02/01 23 0433104106 05 10/01/01 0 5188483 O 09/01/31 0 5232421 685/G01 F 331,000.00 ZZ 360 330,637.04 1 1 9.000 2,663.30 100 8.750 2,663.30 SIMI VALLEY CA 93065 1 08/07/01 23 0433119765 03 10/01/01 0 126418 O 09/01/31 0 5232830 K15/G01 F 155,100.00 ZZ 360 154,916.20 1 8.625 1,206.35 107 8.375 1,206.35 STRONGSVILLE OH 44136 5 08/03/01 23 0433041241 05 10/01/01 0 028705303568 O 09/01/31 0 5232937 U35/G01 F 133,797.00 ZZ 360 133,654.04 1 9.125 1,088.62 103 8.875 1,088.62 STURGEON BAY WI 54235 1 08/22/01 23 0433146826 05 10/01/01 0 1 O 09/01/31 0 5233501 N67/G01 F 249,990.00 ZZ 360 249,555.37 1 8.750 1,966.67 100 8.500 1,966.67 CORONA CA 92881 1 07/20/01 23 0433096369 29 09/01/01 0 1780007215 O 08/01/31 0 5233691 N67/G01 F 124,850.00 ZZ 360 124,590.70 1 10.375 1,130.40 103 10.125 1,130.40 HIALEAH FL 33016 1 06/26/01 23 0433135159 05 08/01/01 0 3370002306 O 07/01/31 0 5233697 U05/G01 F 50,949.00 ZZ 360 50,897.34 1 9.375 423.77 100 9.125 423.77 PHOENIX AZ 85051 1 08/08/01 23 0433102688 01 10/01/01 0 1 3154392 O 09/01/31 0 5233950 Q99/G01 F 189,900.00 ZZ 360 189,669.10 1 8.500 1,460.17 100 8.250 1,460.17 CRANSTON RI 02920 1 08/17/01 23 0433098449 05 10/01/01 0 035408612 O 09/01/31 0 5233964 964/G01 F 400,000.00 ZZ 360 399,538.06 1 8.750 3,146.80 104 8.500 3,146.80 FREMONT CA 94538 1 08/15/01 23 0433126919 05 10/01/01 0 138775 O 09/01/31 0 5234788 642/G01 F 195,350.00 ZZ 360 194,992.46 1 8.500 1,502.07 102 8.250 1,502.07 SHALIMAR FL 32579 1 07/27/01 23 0433039500 05 09/01/01 0 07121201 O 08/01/31 0 5235495 L16/G01 F 85,000.00 ZZ 360 84,859.66 1 9.000 683.93 100 8.750 683.93 SALT LAKE CITY UT 84123 1 08/03/01 23 0433125895 01 09/01/01 0 W0107026 O 08/01/31 0 5236066 737/G01 F 148,400.00 ZZ 360 148,237.27 1 9.000 1,194.06 99 8.750 1,194.06 GLENDALE AZ 85308 1 08/16/01 23 0433251261 05 10/01/01 0 2032576 O 09/01/31 0 1 5236615 964/G01 F 136,000.00 ZZ 360 135,842.95 1 8.750 1,069.91 98 8.500 1,069.91 MINDEN NV 89410 5 08/07/01 23 0433188398 05 10/01/01 0 137913 O 09/01/31 0 5237839 E22/G01 F 137,000.00 ZZ 360 136,657.42 1 9.250 1,127.07 104 8.750 1,127.07 GRAND ISLAND NE 68803 2 07/26/01 23 0412760811 05 09/01/01 0 0412760811 O 08/01/31 0 5237840 E22/G01 F 124,500.00 ZZ 360 124,328.93 1 9.875 1,081.09 100 9.625 1,081.09 OMAHA NE 68127 1 07/31/01 23 0412762718 05 09/01/01 0 0412762718 O 08/01/31 0 5237852 E22/G01 F 128,250.00 ZZ 360 128,039.75 1 9.250 1,055.08 107 9.000 1,055.08 HOLLY MI 48442 1 07/31/01 23 0412781460 05 09/01/01 0 0412781460 O 08/01/31 0 5237857 E22/G01 F 257,000.00 ZZ 360 256,564.55 1 8.875 2,044.81 100 8.375 2,044.81 COSTA MESA CA 92627 1 07/27/01 23 0412790149 01 09/01/01 0 0412790149 O 08/01/31 0 5237867 E22/G01 F 78,000.00 ZZ 360 77,877.74 1 9.250 641.69 107 9.000 641.69 1 KANSAS CITY KS 66109 2 07/11/01 23 0412800450 05 09/01/01 0 0412800450 O 08/01/31 0 5237897 E22/G01 F 99,900.00 ZZ 360 99,755.27 1 9.625 849.14 100 9.125 849.14 SAN ANTONIO TX 78217 1 07/27/01 23 0412824377 05 09/01/01 0 0412824377 O 08/01/31 0 5237903 E22/G01 F 90,250.00 ZZ 360 89,909.87 1 9.375 750.65 95 9.125 750.65 HAMPTON VA 23669 1 07/31/01 23 0412825788 05 09/01/01 0 0412825788 N 08/01/31 0 5237905 E22/G01 F 157,200.00 ZZ 360 156,962.44 1 9.750 1,350.59 100 9.250 1,350.59 MARYSVILLE WA 98270 1 07/26/01 23 0412827073 05 09/01/01 0 0412827073 O 08/01/31 0 5237907 E22/G01 F 58,850.00 ZZ 360 58,757.78 1 9.250 484.14 107 9.000 484.14 KALAMAZOO MI 49004 1 07/31/01 23 0412827834 05 09/01/01 0 0412827834 O 08/01/31 0 5237944 E22/G01 F 51,300.00 ZZ 360 51,221.67 1 9.375 426.69 95 9.125 426.69 WARREN MI 48089 1 07/31/01 23 0412841561 05 09/01/01 0 0412841561 N 08/01/31 0 1 5237949 E22/G01 F 145,184.00 ZZ 360 144,938.02 1 8.875 1,155.15 95 8.375 1,155.15 LAS VEGAS NV 89141 1 07/23/01 23 0412842338 03 09/01/01 0 0412842338 N 08/01/31 0 5237951 E22/G01 F 95,000.00 ZZ 360 94,882.63 1 10.375 860.14 100 10.125 860.14 EASLEY SC 29640 1 07/31/01 23 0412843716 05 09/01/01 0 0412843716 O 08/01/31 0 5237953 E22/G01 F 108,200.00 ZZ 360 107,667.75 1 8.875 860.89 107 8.375 860.89 FARMERSVILLE CA 93223 1 07/26/01 23 0412844458 05 09/01/01 0 0412844458 O 08/01/31 0 5237962 E22/G01 F 97,850.00 ZZ 360 97,700.59 1 9.375 813.87 95 9.125 813.87 SARASOTA FL 34239 1 07/31/01 23 0412846883 05 09/01/01 0 0412846883 O 08/01/31 0 5237973 E22/G01 F 104,000.00 ZZ 360 103,829.08 1 9.125 846.18 96 8.625 846.18 WADSWORTH NV 89442 1 07/24/01 23 0412850422 05 09/01/01 0 0412850422 O 08/01/31 0 5237976 E22/G01 F 127,300.00 ZZ 360 127,053.47 1 1 8.250 956.36 107 7.750 956.36 STOCKTON CA 95203 1 07/27/01 23 0412851438 05 09/01/01 0 0412851438 O 08/01/31 0 5237978 E22/G01 F 132,669.00 ZZ 360 132,455.58 1 9.125 1,079.44 107 8.625 1,079.44 MIAMI FL 33177 1 07/31/01 23 0412851933 05 09/01/01 0 0412851933 O 08/01/31 0 5237987 E22/G01 F 96,300.00 ZZ 360 96,128.22 1 8.625 749.01 107 8.125 749.01 EASTON PA 18042 1 07/31/01 23 0412857120 05 09/01/01 0 0412857120 O 08/01/31 0 5237997 E22/G01 F 227,195.00 ZZ 360 226,779.17 1 8.500 1,746.93 103 8.250 1,746.93 MESA AZ 85208 1 07/26/01 23 0412860736 03 09/01/01 0 0412860736 O 08/01/31 0 5238006 E22/G01 F 193,050.00 ZZ 360 192,863.12 1 11.500 1,911.76 99 11.250 1,911.76 FORT WORTH TX 76137 1 07/30/01 23 0412863870 03 09/01/01 0 0412863870 O 08/01/31 0 5238007 E22/G01 F 79,700.00 ZZ 360 79,538.26 1 9.375 662.90 100 9.125 662.90 FARMINGTON MI 48335 1 07/31/01 23 0412864464 01 09/01/01 0 1 0412864464 O 08/01/31 0 5238012 E22/G01 F 157,550.00 ZZ 360 156,779.35 1 8.875 1,253.54 104 8.625 1,253.54 CLINTON TWP MI 48038 1 07/31/01 23 0412865065 01 09/01/01 0 0412865065 O 08/01/31 0 5238017 E22/G01 F 187,450.00 ZZ 360 187,078.01 1 8.875 1,491.44 103 8.625 1,491.44 ELK GROVE CA 95624 1 07/26/01 23 0412866444 05 09/01/01 0 0412866444 O 08/01/31 0 5238023 E22/G01 F 144,400.00 ZZ 360 144,179.52 1 9.375 1,201.05 95 9.125 1,201.05 LANCASTER TX 75146 1 07/27/01 23 0412868895 05 09/01/01 0 0412868895 N 08/01/31 0 5238025 E22/G01 F 63,100.00 ZZ 360 63,003.66 1 9.375 524.83 107 9.125 524.83 ADRIAN MI 49221 1 07/31/01 23 0412869125 05 09/01/01 0 0412869125 O 08/01/31 0 5238030 E22/G01 F 78,350.00 ZZ 360 78,290.90 1 12.625 843.80 100 12.125 843.80 MENDON MI 49072 1 07/31/01 23 0412870867 05 09/01/01 0 0412870867 O 08/01/31 0 1 5238032 E22/G01 F 144,900.00 ZZ 360 144,691.33 1 10.125 1,285.01 100 9.875 1,285.01 PISCATAWAY NJ 08854 1 07/31/01 23 0412871832 05 09/01/01 0 0412871832 O 08/01/31 0 5238039 E22/G01 F 48,900.00 ZZ 360 48,825.32 1 9.375 406.73 103 9.125 406.73 FLORENCE AL 35630 1 07/31/01 23 0412877599 05 09/01/01 0 0412877599 O 08/01/31 0 5238044 E22/G01 F 119,850.00 ZZ 360 119,671.76 1 9.500 1,007.76 95 9.000 1,007.76 MIDLOTHIAN TX 76065 1 07/31/01 23 0412881005 05 09/01/01 0 0412881005 O 08/01/31 0 5238048 E22/G01 F 112,000.00 ZZ 360 111,819.83 1 9.125 911.27 105 8.875 911.27 BURKE VA 22015 1 07/31/01 23 0412886798 01 09/01/01 0 0412886798 O 08/01/31 0 5238222 U05/G01 F 153,450.00 ZZ 360 153,258.58 1 8.375 1,166.33 99 8.125 1,166.33 CORAL SPRINGS FL 33071 1 08/01/01 23 0433056538 05 10/01/01 0 3143577 O 09/01/31 0 5238796 U35/G01 F 69,500.00 ZZ 360 69,431.37 1 9.500 584.39 107 9.250 584.39 1 APPLETON WI 54911 1 08/31/01 23 0433175429 05 10/01/01 0 1 O 09/01/31 0 5238943 E82/G01 F 254,000.00 ZZ 360 253,591.39 1 9.125 2,066.63 106 8.875 2,066.63 WALDORF MD 20602 1 07/31/01 23 0400466819 05 09/01/01 0 0400466819 O 08/01/31 0 5239293 700/G01 F 260,277.00 ZZ 360 259,890.84 1 9.000 2,094.25 107 8.750 2,094.25 DIAMOND BAR CA 91765 1 08/06/01 23 0433150661 05 10/01/01 0 00260846 O 09/01/31 0 5239726 U05/G01 F 63,300.00 ZZ 360 63,200.81 1 9.250 520.75 103 9.000 520.75 SHELBYVILLE IN 46176 1 07/19/01 23 0433102035 05 09/01/01 0 3147403 O 08/01/31 0 5241139 W08/G01 F 148,309.00 ZZ 360 148,187.38 1 10.375 1,342.80 103 10.125 1,342.80 MIAMI FL 33178 1 08/06/01 23 0433157674 01 10/01/01 0 010188M O 09/01/31 0 5241305 J95/G01 F 102,720.00 ZZ 360 102,662.41 1 8.875 817.29 107 8.625 817.29 GRAND RAPIDS MI 49504 5 09/13/01 23 0433210622 05 11/01/01 0 0017853847 O 10/01/31 0 1 5241611 G75/G01 F 214,300.00 ZZ 360 214,055.76 1 10.750 2,000.46 103 10.500 2,000.46 VIRGINIA BEACH VA 23456 2 07/19/01 23 0433111663 05 09/01/01 0 04377568 O 08/01/31 0 5242185 964/G01 F 152,700.00 ZZ 360 152,545.18 1 9.375 1,270.08 100 9.125 1,270.08 SALEM OR 97304 1 08/07/01 23 0433075413 05 10/01/01 0 137411 O 09/01/31 0 5242491 J95/G01 F 74,500.00 ZZ 360 74,413.97 1 8.750 586.09 100 8.500 586.09 TABORO NC 27886 1 08/15/01 23 0433215688 05 10/01/01 0 23686033 O 09/01/31 0 5242837 E87/G01 F 87,740.00 ZZ 360 87,653.34 1 9.500 737.77 107 9.250 737.77 OLNEY IL 62450 5 08/08/01 23 0433106929 05 10/01/01 0 01050195 O 09/01/31 0 5243781 N67/G01 F 288,400.00 ZZ 360 288,136.86 1 9.875 2,504.32 103 9.625 2,504.32 ALEXANDRIA VA 22314 1 08/29/01 23 0433194800 01 10/01/01 0 3250006479 O 09/01/31 0 5244140 808/G01 F 133,500.00 ZZ 360 133,349.75 1 1 8.875 1,062.19 100 8.625 1,062.19 FONTANA CA 92336 1 08/06/01 23 0433101748 05 10/01/01 0 9320482 O 09/01/31 0 5244230 664/G01 F 105,823.00 ZZ 360 105,680.13 1 8.000 776.50 107 7.750 776.50 MEMPHIS TN 38128 1 08/28/01 23 0433267507 05 10/01/01 0 0008283889 O 09/01/31 0 5246366 E22/G01 F 60,990.00 ZZ 360 60,896.88 1 9.375 507.28 107 9.125 507.28 MOUNT VERNON WA 98273 1 07/30/01 23 0412734071 05 09/01/01 0 0412734071 O 08/01/31 0 5246379 E22/G01 F 170,000.00 ZZ 360 169,719.32 1 9.000 1,367.86 100 8.750 1,367.86 BREWSTER NY 10509 1 08/01/01 23 0412793572 01 09/01/01 0 0412793572 O 08/01/31 0 5246383 E22/G01 F 106,000.00 ZZ 360 105,850.44 1 9.750 910.70 101 9.500 910.70 COLUMBIA CITY IN 46725 5 07/27/01 23 0412796245 05 09/01/01 0 0412796245 O 08/01/31 0 5246388 E22/G01 F 87,550.00 ZZ 360 87,469.78 1 11.750 883.74 103 11.250 883.74 PICAYUNE MS 39466 5 07/27/01 23 0412806234 05 09/01/01 0 1 0412806234 O 08/01/31 0 5246393 E22/G01 F 102,000.00 ZZ 360 101,303.26 1 8.750 802.43 100 8.500 802.43 LADSON SC 29456 1 08/01/01 23 0412810954 05 09/01/01 0 0412810954 O 08/01/31 0 5246399 E22/G01 F 102,500.00 ZZ 360 102,359.14 1 9.875 890.06 100 9.625 890.06 RED OAK IA 51566 1 08/01/01 23 0412821068 05 09/01/01 0 0412821068 O 08/01/31 0 5246412 E22/G01 F 238,000.00 ZZ 360 237,664.17 1 9.750 2,044.79 102 9.500 2,044.79 SOUTH LYON MI 48178 2 07/27/01 23 0412834632 05 09/01/01 0 0412834632 O 08/01/31 0 5246413 E22/G01 F 125,145.00 ZZ 360 125,027.75 1 9.750 1,075.19 103 9.250 1,075.19 MONTCLAIR CA 91763 1 07/30/01 23 0412834905 01 10/01/01 0 0412834905 O 09/01/31 0 5246431 E22/G01 F 145,000.00 ZZ 360 144,432.99 1 9.000 1,166.70 100 8.750 1,166.70 CANYON LAKE TX 78133 1 08/01/01 23 0412846321 03 09/01/01 0 0412846321 O 08/01/31 0 1 5246445 E22/G01 F 130,625.00 ZZ 360 130,370.82 1 9.375 1,086.47 95 9.125 1,086.47 COLORADO SPRING CO 80918 1 08/01/01 23 0412858094 09 09/01/01 0 0412858094 N 08/01/31 0 5246454 E22/G01 F 100,600.00 ZZ 360 100,450.38 1 9.500 845.90 95 9.250 845.90 SWARTZ CREEK MI 48473 1 08/01/01 23 0412865008 05 09/01/01 0 0412865008 O 08/01/31 0 5246455 E22/G01 F 159,000.00 ZZ 360 158,757.24 1 9.375 1,322.48 100 9.125 1,322.48 LAKE ST LOUIS MO 63367 1 08/01/01 23 0412867376 03 09/01/01 0 0412867376 O 08/01/31 0 5246457 E22/G01 F 179,900.00 ZZ 360 179,760.43 2 12.500 1,920.00 100 12.000 1,920.00 FALL RIVER MA 02721 1 08/01/01 23 0412868796 05 09/01/01 0 0412868796 O 08/01/31 0 5246635 F34/G01 F 115,000.00 ZZ 360 114,883.40 1 9.375 956.51 100 9.125 956.51 PEMBROKE PINES FL 33025 1 08/07/01 23 0433132529 09 10/01/01 0 30107053 O 09/01/31 0 5247569 950/G01 F 144,950.00 ZZ 360 144,653.75 1 9.375 1,205.62 100 9.125 1,205.62 1 BREMERTON WA 98312 1 06/25/01 23 0433041258 05 08/01/01 0 E7106039 O 07/01/31 0 5248539 Q99/G01 F 121,250.00 ZZ 360 121,111.82 1 10.750 1,131.85 102 10.500 1,131.85 GOSHEN IN 46528 2 07/27/01 23 0433069002 05 09/01/01 0 TROYER O 08/01/31 0 5248738 E22/G01 F 139,000.00 ZZ 360 138,793.26 1 9.500 1,168.79 100 9.250 1,168.79 WEST SACRAMENTO CA 95691 1 07/09/01 23 0412806788 05 09/01/01 0 0412806788 O 08/01/31 0 5248741 E22/G01 F 89,900.00 ZZ 360 89,773.15 1 9.750 772.38 100 9.500 772.38 GUEYDAN LA 70542 1 08/02/01 23 0412809022 05 09/01/01 0 0412809022 O 08/01/31 0 5248749 E22/G01 F 142,140.00 ZZ 360 141,934.09 1 9.625 1,208.17 103 9.375 1,208.17 MIDLOTHIAN IL 60445 5 07/23/01 23 0412826604 05 09/01/01 0 0412826604 O 08/01/31 0 5248757 E22/G01 F 35,000.00 ZZ 360 34,940.68 1 8.875 278.48 100 8.625 278.48 FLORENCE AL 35630 1 08/02/01 23 0412838625 05 09/01/01 0 0412838625 O 08/01/31 0 1 5248765 E22/G01 F 181,500.00 ZZ 360 181,250.89 1 8.250 1,363.55 100 8.000 1,363.55 RIVERSIDE CA 92506 1 07/31/01 23 0412855157 05 10/01/01 0 0412855157 O 09/01/31 0 5248770 E22/G01 F 230,000.00 ZZ 360 229,620.28 1 9.000 1,850.63 100 8.750 1,850.63 WHITTIER CA 90640 1 07/27/01 23 0412861569 05 09/01/01 0 0412861569 O 08/01/31 0 5248773 E22/G01 F 207,000.00 ZZ 360 206,611.32 1 8.375 1,573.35 104 7.875 1,573.35 CLOVIS CA 93611 1 07/25/01 23 0412863128 05 09/01/01 0 0412863128 O 08/01/31 0 5248776 E22/G01 F 110,000.00 ZZ 360 109,882.47 1 9.125 895.00 100 8.875 895.00 STONE MOUNTAIN GA 30083 1 08/02/01 23 0412865776 05 10/01/01 0 0412865776 O 09/01/31 0 5248786 E22/G01 F 135,630.00 ZZ 360 135,394.20 1 8.750 1,067.00 99 8.500 1,067.00 MT. PLEASANT SC 29464 1 08/02/01 23 0412879637 07 09/01/01 0 0412879637 O 08/01/31 0 5248793 E22/G01 F 174,480.00 ZZ 360 174,168.74 1 1 8.625 1,357.09 107 8.375 1,357.09 WOODINVILLE WA 98072 1 07/30/01 23 0412892903 01 09/01/01 0 0412892903 O 08/01/31 0 5248938 808/G01 F 230,000.00 ZZ 360 229,857.04 1 8.375 1,748.17 100 8.125 1,748.17 HENDERSON NV 89052 1 09/06/01 23 0433252830 05 11/01/01 0 9503464 O 10/01/31 0 5249253 964/G01 F 88,000.00 ZZ 360 87,910.77 1 9.375 731.94 100 9.125 731.94 PHOENIX AZ 85225 1 08/08/01 23 0433054863 01 10/01/01 0 137418 O 09/01/31 0 5249409 G75/G01 F 203,450.00 ZZ 360 203,196.20 1 8.375 1,546.37 105 8.125 1,546.37 CENTREVILLE VA 20120 1 08/17/01 23 0433190964 09 10/01/01 0 04362579 O 09/01/31 0 5250168 642/G01 F 123,000.00 ZZ 360 122,861.57 1 8.875 978.64 107 8.625 978.64 BLOOMINGTON IL 61701 5 08/09/01 23 0433102266 03 10/01/01 0 07149101 O 09/01/31 0 5250570 642/G01 F 79,715.00 ZZ 360 79,576.40 1 8.750 627.12 107 8.500 627.12 TRAFFORD PA 15085 1 07/30/01 23 0433045093 05 09/01/01 0 1 07101901 O 08/01/31 0 5250911 W33/G01 F 102,720.00 ZZ 360 102,567.50 1 9.500 863.73 107 9.250 863.73 GAS CITY IN 46933 5 08/09/01 23 0433157559 05 09/13/01 0 0126297 O 08/13/31 0 5251244 Q64/G01 F 169,000.00 ZZ 360 168,690.66 1 8.500 1,299.47 106 8.250 1,299.47 ORLANDO FL 32819 1 07/25/01 23 0433110996 05 09/01/01 0 0102095502 O 08/01/31 0 5252798 K15/G01 F 87,500.00 ZZ 360 87,426.30 1 10.250 784.09 103 10.000 784.09 CLEVELAND OH 44128 5 08/09/01 23 0433053352 05 10/01/01 0 028605303973 O 09/01/31 0 5252930 U05/G01 F 161,900.00 ZZ 360 161,717.80 1 8.875 1,288.15 105 8.625 1,288.15 LOXAHATCHEE FL 33470 1 08/29/01 23 0433180643 05 10/01/01 0 3134776 O 09/01/31 0 5253027 M43/G01 F 100,500.00 ZZ 360 100,389.79 1 9.000 808.65 107 8.750 808.65 CHESTER VA 23831 5 08/17/01 23 0433183258 05 10/01/01 0 736276395 O 09/01/31 0 1 5255994 U05/G01 F 234,975.00 ZZ 360 234,723.97 1 9.125 1,911.83 100 8.875 1,911.83 MESA AZ 85215 1 08/09/01 23 0433078219 03 10/01/01 0 3156576 O 09/01/31 0 5256006 642/G01 F 108,800.00 ZZ 360 108,670.25 1 8.750 855.93 99 8.500 855.93 FARMINGTON NM 87401 5 08/07/01 23 0433110780 05 10/01/01 0 06135301 O 09/01/31 0 5256178 664/G01 F 169,950.00 ZZ 360 169,798.99 1 10.000 1,491.44 103 9.750 1,491.44 PUYALLUP WA 98373 2 08/09/01 23 0433191236 05 10/01/01 0 0008097743 O 09/01/31 0 5256573 003/G01 F 71,250.00 ZZ 360 71,092.54 1 9.000 573.30 95 8.750 573.30 ATLANTA GA 30314 1 06/15/01 23 0433115094 05 08/01/01 0 0021499298 N 07/01/31 0 5256859 J95/G01 F 58,850.00 ZZ 360 58,791.87 1 9.500 494.85 107 9.250 494.85 MT IRON MN 55768 1 08/20/01 23 0433128444 05 10/01/01 0 0027333475 O 09/01/31 0 5257028 K15/G01 F 78,200.00 ZZ 360 78,151.15 1 11.625 781.87 103 11.375 781.87 1 ST LOUIS MO 63110 5 08/10/01 23 0433102555 05 10/01/01 0 027505307016 O 09/01/31 0 5257039 808/G01 F 74,100.00 ZZ 360 73,707.76 1 8.500 569.77 95 8.250 569.77 BARSTOW CA 92311 1 08/16/01 23 0433162971 05 10/01/01 0 9320679 O 09/01/31 0 5257515 R17/G01 F 133,900.00 ZZ 360 133,771.95 1 12.875 1,468.14 103 12.625 1,468.14 NORTHGLEN CO 80234 1 06/15/01 23 0433107232 09 08/01/01 0 1000041918 O 07/01/31 0 5257836 685/G01 F 158,000.00 ZZ 360 157,817.52 1 8.750 1,242.99 100 8.500 1,242.99 AGOURA HILLS AR CA 91377 1 08/17/01 23 0433128642 01 10/01/01 0 126449 O 09/01/31 0 5258161 Q78/G01 F 374,500.00 ZZ 360 373,540.07 1 9.375 3,114.91 107 9.125 3,114.91 FRANKLIN TN 37067 5 07/25/01 23 0433055977 05 09/01/01 0 689599 O 08/01/31 0 5258535 Q78/G01 F 128,400.00 ZZ 360 128,192.56 1 9.125 1,044.71 107 8.875 1,044.71 NEENAH WI 54956 2 07/25/01 23 0433055951 05 09/01/01 0 689187 O 08/01/31 0 1 5258803 T17/G01 F 68,480.00 T 360 38,127.78 1 9.750 588.35 107 9.500 588.35 CORAL SPRINGS FL 33065 1 08/15/01 23 0433154903 01 09/13/01 0 01070744 O 08/13/31 0 5259117 W33/G01 F 55,640.00 ZZ 360 55,552.79 1 9.250 457.74 107 9.000 457.74 EVANSVILLE IN 47710 1 08/10/01 23 0433161890 05 09/09/01 0 0126588 O 08/09/31 0 5262371 N67/G01 F 143,000.00 ZZ 360 142,701.95 1 9.250 1,176.43 100 9.000 1,176.43 FEDERAL WAY WA 98023 1 07/18/01 23 0433079308 05 09/01/01 0 1780007183 O 08/01/31 0 5262716 J95/G01 F 175,900.00 ZZ 360 175,691.54 1 8.625 1,368.14 105 8.375 1,368.14 PUYALLUP WA 98374 1 08/09/01 23 0433165701 05 10/01/01 0 0027389048 O 09/01/31 0 5262920 964/G01 F 226,600.00 ZZ 360 226,357.91 1 9.125 1,843.69 103 8.875 1,843.69 SUISUN CITY CA 94585 1 08/13/01 23 0433076122 05 10/01/01 0 139667 O 09/01/31 0 5263650 964/G01 F 225,000.00 ZZ 360 224,765.82 1 1 9.250 1,851.02 100 9.000 1,851.02 AMERICAN CANYON CA 94503 1 08/10/01 23 0433075421 05 10/01/01 0 139367 O 09/01/31 0 5263858 B57/G01 F 330,000.00 ZZ 360 329,647.44 1 9.125 2,684.99 100 8.875 2,684.99 LOS ANGELES CA 91364 1 08/09/01 23 0433198686 05 10/01/01 0 2115999 O 09/01/31 0 5263887 808/G01 F 311,000.00 ZZ 360 310,602.01 1 8.250 2,336.44 104 8.000 2,336.44 GARDEN GROVE CA 92841 1 08/17/01 23 0433194537 05 10/01/01 0 3320742 O 09/01/31 0 5263889 737/G01 F 228,750.00 ZZ 360 228,492.57 1 8.875 1,820.04 107 8.625 1,820.04 SCOTTSDALE AZ 85260 1 08/09/01 23 0433198777 05 10/01/01 0 2031109 O 09/01/31 0 5264013 940/G01 F 179,550.00 ZZ 360 179,367.94 1 9.375 1,493.41 95 9.125 1,493.41 RANCHO CUCAMONG CA 91730 1 08/13/01 23 0433136843 05 10/01/01 0 23010179 O 09/01/31 0 5264056 940/G01 F 95,790.00 ZZ 360 95,751.93 1 10.500 876.23 103 10.250 876.23 HEMET CA 92544 1 09/10/01 23 0433234333 05 11/01/01 0 1 64010007 O 10/01/31 0 5264201 940/G01 F 307,573.00 ZZ 360 306,379.67 1 8.750 2,419.68 104 8.500 2,419.68 CHINO HILLS CA 91709 1 08/07/01 23 0433097532 05 10/01/01 0 40010818 O 09/01/31 0 5265500 E22/G01 F 105,000.00 ZZ 360 104,826.66 1 9.000 844.85 100 8.500 844.85 PALMDALE CA 93550 1 07/18/01 23 0412773814 05 09/01/01 0 0412773814 O 08/01/31 0 5265521 E22/G01 F 144,100.00 ZZ 360 143,917.17 1 10.250 1,291.28 101 10.000 1,291.28 COUNCIL BLUFFS IA 51503 5 07/23/01 23 0412808966 05 09/01/01 0 0412808966 O 08/01/31 0 5265536 E22/G01 F 118,500.00 ZZ 360 118,337.17 1 9.875 1,028.99 98 9.625 1,028.99 COUNCIL BLUFFS IA 51503 9 07/19/01 23 0412831497 05 09/01/01 0 0412831497 O 08/01/31 0 5265538 E22/G01 F 144,450.00 ZZ 360 144,278.81 1 8.625 1,123.52 107 8.375 1,123.52 PEORIA AZ 85345 2 07/30/01 23 0412835563 05 10/01/01 0 0412835563 O 09/01/31 0 1 5265545 E22/G01 F 299,600.00 ZZ 360 299,154.39 1 9.500 2,519.20 107 9.250 2,519.20 GLENDALE HEIGHT IL 60139 9 07/31/01 23 0412841967 05 09/01/01 0 0412841967 O 08/01/31 0 5265557 E22/G01 F 107,000.00 ZZ 360 106,832.30 1 9.250 880.26 100 9.000 880.26 BELLEVUE NE 68123 1 08/06/01 23 0412850398 05 09/01/01 0 0412850398 O 08/01/31 0 5265566 E22/G01 F 150,480.00 ZZ 360 150,244.16 1 9.250 1,237.96 99 8.750 1,237.96 CARSON CITY NV 89701 1 08/01/01 23 0412856692 05 09/01/01 0 0412856692 O 08/01/31 0 5265578 E22/G01 F 105,930.00 ZZ 360 105,741.03 1 8.625 823.91 107 8.125 823.91 CLEARWATER FL 33763 5 08/01/01 23 0412863193 03 09/01/01 0 0412863193 O 08/01/31 0 5265584 E22/G01 F 272,950.00 ZZ 360 272,564.86 1 9.750 2,345.06 103 9.500 2,345.06 LOMBARD IL 60148 5 07/31/01 23 0412864910 05 09/01/01 0 0412864910 O 08/01/31 0 5265596 E22/G01 F 146,000.00 ZZ 360 145,726.55 1 8.375 1,109.71 106 7.875 1,109.71 1 NORTH HILLS CA 91343 1 08/02/01 23 0412872657 01 10/01/01 0 0412872657 O 09/01/31 0 5265606 E22/G01 F 72,000.00 ZZ 360 71,890.07 1 9.375 598.86 100 9.125 598.86 BAY SAINT LOUIS MS 39520 1 08/03/01 23 0412877714 05 09/01/01 0 0412877714 O 08/01/31 0 5265615 E22/G01 F 69,550.00 ZZ 360 69,467.59 1 8.625 540.95 107 8.125 540.95 EASTON PA 18042 1 08/06/01 23 0412885204 05 10/01/01 0 0412885204 O 09/01/31 0 5265620 E22/G01 F 192,250.00 ZZ 360 192,016.24 1 8.500 1,478.24 105 8.250 1,478.24 OAKDALE CA 95361 1 08/02/01 23 0412891988 05 10/01/01 0 0412891988 O 09/01/31 0 5265622 E22/G01 F 126,126.00 ZZ 360 125,952.68 1 9.875 1,095.21 99 9.375 1,095.21 CLEARWATER FL 33759 1 08/06/01 23 0412894966 05 09/01/01 0 0412894966 O 08/01/31 0 5267457 E22/G01 F 206,800.00 ZZ 360 206,458.57 1 9.000 1,663.96 105 8.750 1,663.96 MANCHESTER TOWN NJ 08757 1 08/03/01 23 0412698631 05 09/01/01 0 0412698631 O 08/01/31 0 1 5267461 E22/G01 F 166,000.00 ZZ 360 165,753.10 1 9.500 1,395.82 100 9.250 1,395.82 RADCLIFF KY 40160 1 08/03/01 23 0412749780 05 09/01/01 0 0412749780 O 08/01/31 0 5267469 E22/G01 F 69,525.00 ZZ 360 69,439.13 1 10.375 629.48 103 10.125 629.48 CENTRALIA IL 62801 1 08/03/01 23 0412794190 05 09/01/01 0 0412794190 O 08/01/31 0 5267470 E22/G01 F 78,900.00 ZZ 360 78,766.32 1 8.875 627.76 106 8.375 627.76 TAMPA FL 33607 1 08/03/01 23 0412796096 01 09/01/01 0 0412796096 O 08/01/31 0 5267490 E22/G01 F 114,900.00 ZZ 360 114,719.94 1 9.250 945.25 100 9.000 945.25 GARDEN CITY MI 48135 1 08/03/01 23 0412831885 05 09/01/01 0 0412831885 O 08/01/31 0 5267496 E22/G01 F 397,000.00 ZZ 360 396,269.33 1 8.750 3,123.20 103 8.500 3,123.20 ELK GROVE CA 95624 1 07/25/01 23 0412842569 05 09/01/01 0 0412842569 O 08/01/31 0 5267499 E22/G01 F 138,100.00 ZZ 360 137,899.92 1 1 9.625 1,173.84 100 9.375 1,173.84 ST. PAUL MN 55119 1 08/03/01 23 0412846644 05 09/01/01 0 0412846644 O 08/01/31 0 5267514 E22/G01 F 157,000.00 ZZ 360 156,836.59 1 9.250 1,291.60 105 9.000 1,291.60 ROCKY HILL CT 06067 1 08/03/01 23 0412863334 01 10/01/01 0 0412863334 O 09/01/31 0 5267528 E22/G01 F 115,100.00 ZZ 360 114,973.79 1 9.000 926.12 104 8.750 926.12 CONCORD NC 28027 1 08/03/01 23 0412874059 03 10/01/01 0 0412874059 O 09/01/31 0 5267533 E22/G01 F 141,110.00 ZZ 360 140,953.49 1 10.875 1,330.51 103 10.375 1,330.51 MIAMI FL 33186 1 08/03/01 23 0412875775 03 09/01/01 0 0412875775 O 08/01/31 0 5267536 E22/G01 F 81,350.00 ZZ 360 81,241.15 1 10.000 713.90 103 9.750 713.90 HAMMOND LA 70403 1 08/03/01 23 0412881054 05 09/01/01 0 0412881054 O 08/01/31 0 5267538 E22/G01 F 81,700.00 ZZ 360 81,575.25 1 9.375 679.54 95 9.125 679.54 DETROIT MI 48236 1 08/03/01 23 0412881492 05 09/01/01 0 1 0412881492 N 08/01/31 0 5267545 E22/G01 F 65,340.00 ZZ 360 65,245.35 1 9.625 555.38 99 9.125 555.38 GUN BARRELL CIT TX 75147 1 08/02/01 23 0412889131 05 09/01/01 0 0412889131 O 08/01/31 0 5267546 E22/G01 F 110,100.00 ZZ 360 109,922.88 1 9.125 895.81 107 8.875 895.81 ELKHART IN 46516 1 08/03/01 23 0412891186 05 09/01/01 0 0412891186 O 08/01/31 0 5267555 E22/G01 F 103,000.00 ZZ 360 102,887.06 1 9.000 828.76 103 8.750 828.76 BRUSH CO 80723 1 08/03/01 23 0412905424 05 10/01/01 0 0412905424 O 09/01/31 0 5269624 J95/G01 F 170,000.00 ZZ 360 169,798.53 1 8.625 1,322.25 104 8.375 1,322.25 NEWBERG OR 97132 1 08/20/01 23 0433210580 05 10/01/01 0 0027310648 O 09/01/31 0 5270140 685/G01 F 247,000.00 ZZ 360 246,756.06 1 9.500 2,076.91 106 9.250 2,076.91 ONTARIO CA 91761 5 08/10/01 23 0433119716 05 10/01/01 0 126421 O 09/01/31 0 1 5271771 Q64/G01 F 83,000.00 ZZ 360 82,876.54 1 9.500 697.91 100 9.250 697.91 PORT ST LUCIE FL 34982 1 07/27/01 23 0433055563 05 09/01/01 0 0102227501 O 08/01/31 0 5272172 N67/G01 F 175,100.00 ZZ 360 174,825.58 1 9.250 1,440.50 100 9.000 1,440.50 GRAND PRAIRIE TX 75052 1 07/25/01 23 0433060332 05 09/01/01 0 1160004516 O 08/01/31 0 5272302 808/G01 F 253,000.00 ZZ 360 252,722.56 2 9.000 2,035.70 100 8.750 2,035.70 LOS ANGELES CA 90003 1 08/13/01 23 0433194438 05 10/01/01 0 9320121 O 09/01/31 0 5273470 U96/G01 F 220,000.00 ZZ 360 219,745.93 1 8.750 1,730.74 100 8.500 1,730.74 WAHIAWA HI 96786 1 08/20/01 23 0433150224 05 10/01/01 0 10800014 O 09/01/31 0 5273553 J95/G01 F 356,940.00 ZZ 360 356,527.78 1 8.750 2,808.05 104 8.500 2,808.05 KIRKLAND WA 98034 1 08/10/01 23 0433118379 05 10/01/01 0 0027089564 O 09/01/31 0 5273667 L16/G01 F 105,000.00 ZZ 360 104,881.83 1 8.875 835.43 100 8.625 835.43 1 GERING NE 69341 1 08/13/01 23 0433106622 05 10/01/01 0 W0108002 O 09/01/31 0 5273775 808/G01 F 280,000.00 ZZ 360 279,550.00 1 8.375 2,128.21 104 8.125 2,128.21 ANAHEIM CA 92806 1 08/15/01 23 0433153541 05 10/01/01 0 9422509 O 09/01/31 0 5273869 644/G01 F 256,000.00 ZZ 360 255,519.33 1 8.375 1,945.78 106 8.125 1,945.78 WILSONVILLE OR 97070 1 07/24/01 23 0433136033 03 09/01/01 0 48003669 O 08/01/31 0 5274248 K15/G01 F 133,800.00 ZZ 360 133,698.80 1 10.750 1,249.00 103 10.500 1,249.00 TACOMA WA 98408 5 08/10/01 23 0433102456 05 10/01/01 0 027505307047 O 09/01/31 0 5274271 642/G01 F 165,850.00 ZZ 360 165,530.53 1 8.250 1,245.98 106 8.000 1,245.98 MODESTO CA 95355 2 07/27/01 23 0433044146 05 09/01/01 0 07174201 O 08/01/31 0 5274858 642/G01 F 85,490.00 ZZ 360 85,419.90 1 10.375 774.03 103 10.125 774.03 SAVANNAH GA 31415 5 08/08/01 23 0433099355 05 10/01/01 0 03198801 O 09/01/31 0 1 5275206 964/G01 F 166,500.00 ZZ 360 166,312.63 1 8.875 1,324.75 100 8.625 1,324.75 LAS VEGAS NV 89135 1 08/13/01 23 0433082518 03 10/01/01 0 139925 O 09/01/31 0 5275603 808/G01 F 173,340.00 ZZ 360 173,232.26 1 8.375 1,317.51 107 8.125 1,317.51 LOS ANGELES CA 90018 1 09/06/01 23 0433234275 05 11/01/01 0 9503391 O 10/01/31 0 5275722 E22/G01 F 126,000.00 ZZ 360 125,686.53 1 8.875 1,002.51 107 8.375 1,002.51 PORT SAINT LUCI FL 34986 1 08/07/01 23 0412664534 03 09/01/01 0 0412664534 O 08/01/31 0 5275733 E22/G01 F 119,500.00 ZZ 360 119,388.04 1 9.750 1,026.69 100 9.500 1,026.69 BATON ROUGE LA 70816 1 08/07/01 23 0412785180 05 10/01/01 0 0412785180 O 09/01/31 0 5275751 E22/G01 F 154,500.00 ZZ 360 154,369.86 1 10.250 1,384.48 103 10.000 1,384.48 MADERA CA 93637 1 08/01/01 23 0412837411 05 10/01/01 0 0412837411 O 09/01/31 0 5275779 E22/G01 F 76,500.00 ZZ 360 76,360.28 1 1 9.250 629.35 100 8.750 629.35 PORTERVILLE CA 93257 1 07/30/01 23 0412862823 05 10/01/01 0 0412862823 O 09/01/31 0 5275781 E22/G01 F 55,100.00 ZZ 360 55,037.99 1 8.875 438.40 95 8.625 438.40 ADRIAN MI 49221 1 08/07/01 23 0412864936 05 10/01/01 0 0412864936 N 09/01/31 0 5275782 E22/G01 F 27,400.00 ZZ 360 27,358.16 2 9.375 227.90 95 9.125 227.90 SAGINAW MI 48602 1 08/07/01 23 0412865362 05 09/01/01 0 0412865362 N 08/01/31 0 5275797 E22/G01 F 181,900.00 ZZ 360 181,695.29 1 8.875 1,447.28 107 8.625 1,447.28 CHEYENNE WY 82001 5 08/01/01 23 0412874000 05 10/01/01 0 0412874000 O 09/01/31 0 5275807 E22/G01 F 96,000.00 ZZ 360 95,940.01 1 11.625 959.85 103 11.125 959.85 COVINGTON LA 70433 1 08/07/01 23 0412880338 05 10/01/01 0 0412880338 O 09/01/31 0 5275811 E22/G01 F 120,000.00 ZZ 360 119,858.20 1 8.750 944.04 103 8.250 944.04 FONTANA CA 92337 1 08/02/01 23 0412882912 05 10/01/01 0 1 0412882912 O 09/01/31 0 5275813 E22/G01 F 235,400.00 ZZ 360 235,040.57 1 9.375 1,957.94 107 9.125 1,957.94 KANSAS CITY KS 66109 1 08/03/01 23 0412884041 05 09/01/01 0 0412884041 O 08/01/31 0 5275815 E22/G01 F 141,800.00 ZZ 360 141,656.22 1 9.375 1,179.42 95 9.125 1,179.42 WEST GREENWICH RI 02817 1 08/07/01 23 0412884967 05 10/01/01 0 0412884967 N 09/01/31 0 5275816 E22/G01 F 161,400.00 ZZ 360 161,236.36 1 9.375 1,342.44 95 9.125 1,342.44 WEST GREENWICH RI 02817 1 08/07/01 23 0412885337 05 10/01/01 0 0412885337 N 09/01/31 0 5275820 E22/G01 F 155,000.00 ZZ 360 154,798.00 1 10.125 1,374.58 102 9.625 1,374.58 CARSON CITY NV 89701 1 08/03/01 23 0412890246 05 09/01/01 0 0412890246 O 08/01/31 0 5275892 E82/G01 F 113,300.00 ZZ 360 113,191.01 1 9.625 963.04 103 9.375 963.04 NEW PALTZ NY 12561 1 08/08/01 23 0400459475 05 10/01/01 0 0400459475 O 09/01/31 0 1 5276200 U05/G01 F 319,300.00 ZZ 360 318,921.62 1 8.625 2,483.48 100 8.375 2,483.48 WASHINGTON DC 20009 1 08/09/01 23 0433080298 01 10/01/01 0 3150455 O 09/01/31 0 5276301 U05/G01 F 65,050.00 ZZ 360 64,980.50 1 9.125 529.27 95 8.875 529.27 ARCADIA FL 34266 1 08/27/01 23 0433162591 05 10/01/01 0 3159080 N 09/01/31 0 5277337 642/G01 F 222,150.00 ZZ 360 221,906.40 1 9.000 1,787.47 106 8.750 1,787.47 COLUMBIA MO 65203 5 08/09/01 23 0433101201 05 10/01/01 0 07185101 O 09/01/31 0 5277871 K15/G01 F 118,400.00 ZZ 360 118,288.49 1 11.625 1,183.81 103 11.375 1,183.81 NASHVILLE TN 37206 2 07/26/01 23 0433119039 05 09/01/01 0 003805301862 O 08/01/31 0 5280156 940/G01 F 169,900.00 ZZ 360 169,693.43 1 8.500 1,306.38 100 8.250 1,306.38 RANCHO CUCAMONG CA 91730 1 08/29/01 23 0433215340 05 10/01/01 0 40010850 O 09/01/31 0 5280361 003/G01 F 203,800.00 ZZ 360 203,404.74 1 9.625 1,732.28 99 9.375 1,732.28 1 MARIETTA GA 30064 1 06/29/01 23 0433278421 03 08/01/01 0 0021478789 O 07/01/31 0 5280468 N67/G01 F 169,000.00 ZZ 360 168,143.01 1 9.125 1,375.04 107 8.875 1,375.04 PHOENIX AZ 85043 1 08/24/01 23 0433188141 03 10/01/01 0 1780007789 O 09/01/31 0 5280743 253/G01 F 124,402.00 ZZ 360 124,207.01 1 9.250 1,023.43 95 9.000 1,023.43 CEDAR HILL TX 75104 1 07/23/01 23 0433046091 05 09/01/01 0 97210 N 08/01/31 0 5281062 B57/G01 F 134,500.00 ZZ 360 134,344.68 1 8.750 1,058.11 105 8.500 1,058.11 LOS ANGELES CA 91303 1 08/10/01 23 0433127164 01 10/01/01 0 2115825 O 09/01/31 0 5281163 K15/G01 F 147,200.00 ZZ 360 147,102.82 1 11.375 1,443.69 103 11.125 1,443.69 EASTPOINTE MI 48021 5 08/13/01 23 0433100443 05 10/01/01 0 035605303355 O 09/01/31 0 5281940 K15/G01 F 83,400.00 ZZ 360 83,315.43 1 9.375 693.68 103 9.125 693.68 GREENVILLE OH 45331 5 08/10/01 23 0433113214 05 10/01/01 0 002780005302551 O 09/01/31 0 1 5282144 588/G01 F 149,350.00 ZZ 360 149,210.07 1 9.750 1,283.15 103 9.500 1,283.15 MIDDLE SMITHFIE PA 18301 1 08/24/01 23 0433244811 05 10/01/01 0 00010474970 O 09/01/31 0 5283604 K15/G01 F 104,400.00 ZZ 360 104,232.00 1 11.500 1,033.86 103 11.250 1,033.86 BATON ROUGE LA 70811 5 08/10/01 23 0433100286 05 10/01/01 0 000805304226 O 09/01/31 0 5284285 S02/G01 F 169,900.00 ZZ 360 169,633.71 1 9.250 1,397.73 100 9.000 1,397.73 HERRIMAN UT 84065 1 07/26/01 23 0433081395 05 09/01/01 0 01106395 O 08/01/31 0 5284732 E87/G01 F 69,525.00 ZZ 360 69,477.84 1 11.250 675.27 103 11.000 675.27 EVANSVILLE IN 47714 1 08/16/01 23 0433173788 05 10/01/01 0 01080164 O 09/01/31 0 5285619 561/G01 F 73,250.00 ZZ 360 73,141.04 1 9.500 615.93 107 9.250 615.93 DOVER PA 17315 1 07/30/01 23 0433098654 01 09/01/01 0 18693168 O 08/01/31 0 5285748 286/G01 F 80,250.00 ZZ 360 80,094.34 1 1 9.625 682.12 95 9.375 682.12 BALTIMORE MD 21207 1 06/27/01 23 0433099066 05 08/01/01 0 0000398408 N 07/01/31 0 5287821 E22/G01 F 108,150.00 ZZ 360 108,015.09 1 8.375 822.02 103 7.875 822.02 GLENDALE AZ 85301 5 08/03/01 23 0412783458 05 10/01/01 0 0412783458 O 09/01/31 0 5287823 E22/G01 F 392,500.00 ZZ 360 392,010.38 1 8.375 2,983.28 104 8.125 2,983.28 SUNNYVALE CA 94086 1 08/02/01 23 0412787970 01 10/01/01 0 0412787970 O 09/01/31 0 5287853 E22/G01 F 267,800.00 ZZ 360 267,490.74 1 8.750 2,106.78 103 8.500 2,106.78 SANTA ROSA CA 95404 1 08/02/01 23 0412849721 05 10/01/01 0 0412849721 O 09/01/31 0 5287858 E22/G01 F 187,475.00 ZZ 360 187,253.51 1 8.875 1,491.64 105 8.625 1,491.64 LAKEPORT CA 95453 1 07/27/01 23 0412861577 05 10/01/01 0 0412861577 O 09/01/31 0 5287863 E22/G01 F 255,195.00 ZZ 360 254,884.71 1 8.500 1,962.23 107 8.250 1,962.23 LONG BEACH CA 90803 1 08/01/01 23 0412867699 01 10/01/01 0 1 0412867699 O 09/01/31 0 5287889 E22/G01 F 228,000.00 ZZ 360 227,743.42 1 8.875 1,814.07 107 8.625 1,814.07 LINCOLN CA 95648 1 08/03/01 23 0412892598 05 10/01/01 0 0412892598 O 09/01/31 0 5288311 737/G01 F 124,900.00 ZZ 360 124,709.28 1 9.375 1,038.86 100 9.125 1,038.86 DALLAS TX 75218 1 07/25/01 23 0433165990 05 09/01/01 0 9999999 O 08/01/31 0 5289404 948/G01 F 57,000.00 ZZ 360 56,942.20 1 9.375 474.10 95 9.125 474.10 LIMA OH 45805 1 08/16/01 23 0433183241 05 10/01/01 0 60185 N 09/01/31 0 5289731 964/G01 F 134,400.00 ZZ 360 134,252.63 1 9.000 1,081.41 104 8.750 1,081.41 DENVER CO 80231 1 08/15/01 23 0433158524 01 10/01/01 0 139947 O 09/01/31 0 5290739 642/G01 F 68,875.00 ZZ 360 68,839.29 1 9.250 566.62 95 9.000 566.62 NAZARETH PA 18064 1 09/11/01 23 0433220860 07 11/01/01 0 07124301 N 10/01/31 0 1 5290778 U35/G01 F 73,400.00 ZZ 360 73,325.59 1 9.375 610.50 105 9.125 610.50 MONDOVI WI 54755 1 08/15/01 23 0433153020 05 10/01/01 0 1 O 09/01/31 0 5290846 L96/G01 F 195,000.00 ZZ 360 194,774.80 1 8.750 1,534.07 100 8.500 1,534.07 LOS ANGELES CA 91335 1 08/23/01 23 0433245057 05 10/01/01 0 0488117 O 09/01/31 0 5291663 J40/G01 F 66,950.00 ZZ 360 66,909.30 1 11.750 675.80 103 11.500 675.80 MEMPHIS TN 38128 1 08/24/01 23 0433215597 01 10/01/01 0 1063090 O 09/01/31 0 5292364 B57/G01 F 171,200.00 ZZ 360 171,007.35 1 8.875 1,362.14 107 8.625 1,362.14 INGLEWOOD CA 90302 5 08/24/01 23 0433233665 01 10/01/01 0 2115335 O 09/01/31 0 5292407 E87/G01 F 96,835.00 ZZ 360 96,723.48 1 9.500 814.24 107 9.250 814.24 LA GRANDE OR 97850 2 08/16/01 23 0433155306 05 10/01/01 0 01060132 O 09/01/31 0 5292536 664/G01 F 98,900.00 ZZ 360 98,791.53 1 9.000 795.78 107 8.750 795.78 1 CINCINNATI OH 45224 1 08/22/01 23 0433235363 05 10/01/01 0 0008298374 O 09/01/31 0 5292541 737/G01 F 179,200.00 ZZ 360 179,081.72 1 11.375 1,757.53 103 11.125 1,757.53 MCDONOUGH GA 30252 1 08/17/01 23 0433165974 05 10/01/01 0 2034441 O 09/01/31 0 5292813 J95/G01 F 85,600.00 ZZ 360 85,546.79 1 8.375 650.63 107 8.125 650.63 THE DALLES OR 97058 1 09/05/01 23 0433225489 05 11/01/01 0 0027448471 O 10/01/31 0 5293607 624/G01 F 189,600.00 ZZ 360 189,381.04 1 8.750 1,491.58 104 8.500 1,491.58 SANTA MARIA CA 93454 1 08/01/01 23 0433057676 05 10/01/01 0 46500210383F O 09/01/31 0 5294046 Q78/G01 F 87,550.00 ZZ 360 87,474.24 1 10.125 776.42 103 9.875 776.42 MARION OH 43302 2 07/30/01 23 0433077773 05 10/01/01 0 689803 O 09/01/31 0 5295181 K15/G01 F 113,300.00 ZZ 360 113,187.28 1 11.375 1,111.21 103 11.125 1,111.21 DAWSONVILLE GA 30534 5 07/16/01 23 0433100310 05 09/01/01 0 206605312483 O 08/01/31 0 1 5296113 147/G01 F 176,100.00 ZZ 360 175,463.58 1 8.875 1,401.14 100 8.625 1,401.14 GOLDEN CO 80403 1 08/14/01 23 0433107695 05 10/01/01 0 5199795 O 09/01/31 0 5297048 G27/G01 F 103,000.00 ZZ 360 102,908.48 1 10.000 903.90 103 9.750 903.90 BAKERSFIELD CA 93304 5 08/15/01 23 0433165651 05 10/01/01 0 20301096 O 09/01/31 0 5298338 E22/G01 F 218,280.00 ZZ 360 217,993.47 1 8.125 1,620.72 107 7.875 1,620.72 MIDLOTHIAN TX 76065 1 08/09/01 23 0412822868 05 10/01/01 0 0412822868 O 09/01/31 0 5298345 E22/G01 F 300,000.00 ZZ 360 299,625.76 1 8.375 2,280.22 104 7.875 2,280.22 OCEANSIDE CA 92057 1 07/31/01 23 0412842221 03 10/01/01 0 0412842221 O 09/01/31 0 5298347 E22/G01 F 324,650.00 ZZ 360 324,284.65 1 8.875 2,583.06 100 8.625 2,583.06 LIVERMORE CA 94550 1 07/27/01 23 0412845083 05 10/01/01 0 0412845083 O 09/01/31 0 5298348 E22/G01 F 249,500.00 ZZ 360 249,196.63 1 1 8.500 1,918.44 106 8.250 1,918.44 HAYWARD CA 94541 1 08/05/01 23 0412845869 01 10/01/01 0 0412845869 O 09/01/31 0 5298353 E22/G01 F 45,500.00 ZZ 360 45,152.17 1 9.250 374.32 100 9.000 374.32 HOUSTON TX 77021 1 08/09/01 23 0412849705 05 10/01/01 0 0412849705 O 09/01/31 0 5298356 E22/G01 F 253,500.00 ZZ 360 253,135.34 1 9.250 2,085.48 103 9.000 2,085.48 ARNOLDS PARK IA 51331 1 08/07/01 23 0412855280 05 10/01/01 0 0412855280 O 09/01/31 0 5298367 E22/G01 F 37,450.00 ZZ 360 37,405.62 1 8.625 291.28 107 8.375 291.28 FAIRBANKS AK 99701 1 08/02/01 23 0412879975 05 10/01/01 0 0412879975 O 09/01/31 0 5298369 E22/G01 F 283,500.00 ZZ 360 283,146.35 1 8.375 2,154.80 107 8.125 2,154.80 PIONEER CA 95666 1 08/01/01 23 0412882656 05 10/01/01 0 0412882656 O 09/01/31 0 5298380 E22/G01 F 194,250.00 ZZ 360 194,019.80 1 8.625 1,510.86 105 8.375 1,510.86 SACRAMENTO CA 95831 1 08/06/01 23 0412899932 05 10/01/01 0 1 0412899932 O 09/01/31 0 5299266 J95/G01 F 97,571.00 ZZ 360 97,449.28 1 8.375 741.61 104 8.125 741.61 ROLLA MO 65401 1 08/20/01 23 0433187333 05 10/01/01 0 0027375716 O 09/01/31 0 5300777 964/G01 F 277,500.00 ZZ 360 277,171.14 1 8.625 2,158.37 102 8.375 2,158.37 SILVERTHORNE CO 80498 1 08/31/01 23 0433194156 05 10/01/01 0 139959 O 09/01/31 0 5300812 U35/G01 F 94,500.00 ZZ 360 94,399.04 1 9.125 768.88 106 8.875 768.88 APPLETON WI 54911 1 08/22/01 23 0433147006 05 10/01/01 0 1 O 09/01/31 0 5301049 R49/G01 F 118,800.00 ZZ 360 118,669.73 1 9.000 955.89 99 8.750 955.89 HOMESTEAD FL 33030 5 08/08/01 23 0433124880 05 10/01/01 0 9710401 O 09/01/31 0 5303776 E87/G01 F 265,000.00 ZZ 360 264,724.18 1 9.250 2,180.09 106 9.000 2,180.09 FORT WASHINGTON MD 20744 1 08/16/01 23 0433116340 09 10/01/01 0 01070430 O 09/01/31 0 1 5304089 U62/G01 F 199,550.00 ZZ 360 199,331.20 1 9.000 1,605.62 103 8.750 1,605.62 LEES SUMMIT MO 64086 5 08/10/01 23 0433106150 05 10/01/01 0 2001268570 O 09/01/31 0 5304638 K15/G01 F 133,100.00 ZZ 360 132,957.80 1 9.125 1,082.95 107 8.875 1,082.95 GREENVILLE NH 03048 1 08/15/01 23 0433102704 05 10/01/01 0 003340005305593 O 09/01/31 0 5304878 147/G01 F 232,250.00 ZZ 360 231,835.67 1 8.625 1,806.42 107 8.375 1,806.42 SYLMAR CA 91342 2 07/23/01 23 0433085867 05 09/01/01 0 10428048 O 08/01/31 0 5304925 147/G01 F 120,510.00 ZZ 360 120,168.05 1 10.500 1,102.36 103 10.250 1,102.36 MARGATE FL 33068 1 08/02/01 23 0433103322 05 09/01/01 0 10427040 O 08/01/31 0 5307088 147/G01 F 45,475.00 ZZ 360 45,430.08 1 9.500 382.38 107 9.250 382.38 RURAL VALLEY PA 16249 1 08/23/01 23 0433234937 05 10/01/01 0 5260337 O 09/01/31 0 5308437 964/G01 F 193,300.00 ZZ 360 193,082.47 1 8.875 1,537.98 100 8.625 1,537.98 1 LAS VEGAS NV 89141 1 08/16/01 23 0433131836 03 10/01/01 0 139923 O 09/01/31 0 5308827 E22/G01 F 235,400.00 ZZ 360 234,776.66 1 8.875 1,872.95 107 8.375 1,872.95 KENT WA 98031 5 08/06/01 23 0412793945 05 10/01/01 0 0412793945 O 09/01/31 0 5308832 E22/G01 F 113,150.00 ZZ 360 113,057.22 1 10.375 1,024.47 103 10.125 1,024.47 DETROIT MI 48219 1 08/03/01 23 0412803751 05 10/01/01 0 0412803751 O 09/01/31 0 5308844 E22/G01 F 133,900.00 ZZ 360 133,576.97 1 9.625 1,138.14 103 9.375 1,138.14 FISHKILL NY 12524 1 08/10/01 23 0412824708 01 10/01/01 0 0412824708 O 09/01/31 0 5308847 E22/G01 F 67,908.00 ZZ 360 67,837.33 1 9.250 558.66 107 9.000 558.66 MADISON ME 04950 1 08/01/01 23 0412829921 05 10/01/01 0 0412829921 O 09/01/31 0 5308854 E22/G01 F 65,500.00 ZZ 360 65,426.29 1 8.875 521.15 99 8.375 521.15 SOUTH BEND IN 46614 1 08/10/01 23 0412844516 05 10/01/01 0 0412844516 O 09/01/31 0 1 5308856 E22/G01 F 51,775.00 ZZ 360 51,712.06 1 8.500 398.10 95 8.000 398.10 SAN ANTONIO TX 78233 1 08/10/01 23 0412847014 05 10/01/01 0 0412847014 N 09/01/31 0 5308858 E22/G01 F 80,250.00 ZZ 360 80,166.46 1 9.250 660.20 107 9.000 660.20 NASHVILLE IL 62263 1 08/10/01 23 0412847576 05 10/01/01 0 0412847576 O 09/01/31 0 5308881 E22/G01 F 149,900.00 ZZ 360 149,713.01 2 8.375 1,139.35 100 7.875 1,139.35 GRESHAM OR 97030 1 08/06/01 23 0412870529 05 10/01/01 0 0412870529 O 09/01/31 0 5308885 E22/G01 F 148,900.00 ZZ 360 148,740.92 1 9.125 1,211.50 104 8.875 1,211.50 POLKTON TOWNSHI MI 49404 1 08/10/01 23 0412876112 05 10/01/01 0 0412876112 O 09/01/31 0 5308891 E22/G01 F 134,800.00 ZZ 360 134,648.30 1 8.875 1,072.53 107 8.375 1,072.53 NEW PORT RICHEY FL 34652 2 08/06/01 23 0412883480 05 10/01/01 0 0412883480 O 09/01/31 0 5308897 E22/G01 F 96,900.00 ZZ 360 96,793.74 1 1 9.000 779.68 100 8.500 779.68 THE COLONY TX 75056 1 08/10/01 23 0412889040 05 10/01/01 0 0412889040 O 09/01/31 0 5308903 E22/G01 F 82,900.00 ZZ 360 82,782.96 1 9.000 667.03 107 8.500 667.03 OSCEOLA IN 46561 1 08/10/01 23 0412893778 05 10/01/01 0 0412893778 O 09/01/31 0 5308904 E22/G01 F 114,000.00 ZZ 360 113,871.70 1 8.875 907.04 100 8.625 907.04 SACHSE TX 75048 1 08/10/01 23 0412894677 05 10/01/01 0 0412894677 O 09/01/31 0 5308908 E22/G01 F 146,350.00 ZZ 360 146,157.89 1 8.125 1,086.64 107 7.625 1,086.64 EASTON PA 18040 1 08/10/01 23 0412895922 05 10/01/01 0 0412895922 O 09/01/31 0 5308926 E22/G01 F 166,202.00 ZZ 360 166,033.49 1 9.375 1,382.38 95 9.125 1,382.38 ARLINGTON TX 76018 1 08/10/01 23 0412917429 03 10/01/01 0 0412917429 N 09/01/31 0 5309025 E82/G01 F 138,000.00 ZZ 360 137,903.79 1 11.125 1,327.26 99 10.875 1,327.26 MILTON KY 40045 5 08/02/01 23 0400441366 05 10/01/01 0 1 0400441366 O 09/01/31 0 5310574 R54/G01 F 133,797.00 ZZ 360 133,681.26 1 10.125 1,186.54 103 9.875 1,186.54 ORANGE BEACH AL 36561 1 08/20/01 23 0433188067 05 10/01/01 0 2000002127 O 09/01/31 0 5311505 J40/G01 F 74,793.00 ZZ 360 74,748.84 1 8.625 581.73 107 8.375 581.73 SEVILLE VILLAGE OH 44273 1 09/07/01 23 0433280930 01 11/01/01 0 1063029 O 10/01/31 0 5311850 Q64/G01 F 133,750.00 ZZ 360 133,534.83 1 9.125 1,088.24 107 8.875 1,088.24 CORDOVA TN 38018 1 07/27/01 23 0433087970 05 09/01/01 0 0302186002 O 08/01/31 0 5311974 Q64/G01 F 119,500.00 ZZ 360 119,322.24 1 9.500 1,004.83 100 9.250 1,004.83 WINTER PARK FL 32792 1 07/26/01 23 0433087855 05 09/01/01 0 0102189701 O 08/01/31 0 5311976 N67/G01 F 68,350.00 ZZ 360 68,240.04 1 9.125 556.12 107 8.875 556.12 LAS VEGAS NV 89122 1 08/03/01 23 0433052974 01 09/01/01 0 1380003271 O 08/01/31 0 1 5312203 147/G01 F 121,500.00 ZZ 360 121,380.00 1 9.500 1,021.64 106 9.250 1,021.64 BROKEN ARROW OK 74014 1 08/16/01 23 0433193679 05 10/01/01 0 9999999999 O 09/01/31 0 5312288 K15/G01 F 117,400.00 ZZ 360 117,322.50 1 11.375 1,151.42 103 11.125 1,151.42 PHOENIX AZ 85019 5 08/21/01 23 0433132503 05 10/01/01 0 02170503700 O 09/01/31 0 5313033 J95/G01 F 337,050.00 ZZ 360 336,629.56 1 8.375 2,561.82 107 8.125 2,561.82 OAKLAND CA 94609 1 08/20/01 23 0433211174 05 10/01/01 0 0027438093 O 09/01/31 0 5314252 940/G01 F 239,085.00 ZZ 360 238,862.15 1 11.500 2,367.64 99 11.250 2,367.64 RIVERSIDE CA 92506 1 08/16/01 23 0433153491 05 10/01/01 0 61010052 O 09/01/31 0 5314570 U05/G01 F 192,450.00 ZZ 360 192,227.75 1 8.750 1,514.00 100 8.500 1,514.00 TIGARD OR 97223 1 08/15/01 23 0433101706 05 10/01/01 0 3155685 O 09/01/31 0 5314813 G75/G01 F 153,900.00 ZZ 360 153,722.25 1 8.750 1,210.74 95 8.500 1,210.74 1 FREDERICKSBURG VA 22408 1 08/23/01 23 0433210564 03 10/01/01 0 04421462 N 09/01/31 0 5315075 940/G01 F 203,000.00 ZZ 360 202,788.71 1 9.250 1,670.03 100 9.000 1,670.03 RIVERSIDE CA 92509 1 08/09/01 23 0433095262 05 10/01/01 0 80010035 O 09/01/31 0 5316503 N67/G01 F 82,500.00 ZZ 360 82,166.17 1 8.250 619.79 100 8.000 619.79 LAFAYETTE IN 47905 1 08/03/01 23 0433053139 05 09/01/01 0 3250005917 O 08/01/31 0 5316667 470/G01 F 249,000.00 ZZ 360 248,689.38 1 8.375 1,892.58 107 8.125 1,892.58 ANAHEIM CA 92805 1 08/10/01 23 0433148244 05 10/01/01 0 01184568 O 09/01/31 0 5317080 U62/G01 F 124,600.00 ZZ 360 124,449.68 1 10.500 1,139.77 86 10.250 1,139.77 WRENSHALL MN 55797 2 07/26/01 23 0433074317 05 09/01/01 0 2001268420 O 08/01/31 0 5317190 N67/G01 F 158,750.00 ZZ 360 156,807.97 1 9.250 1,306.00 103 9.000 1,306.00 PHOENIX AZ 85044 1 08/16/01 23 0433130507 03 10/01/01 0 1780007554 O 09/01/31 0 1 5317353 B57/G01 F 276,060.00 ZZ 360 275,732.85 1 8.625 2,147.17 107 8.375 2,147.17 CANOGA PARK ARE CA 91306 1 08/24/01 23 0433202314 05 10/01/01 0 2116392 O 09/01/31 0 5319177 E22/G01 F 77,250.00 ZZ 360 77,177.62 1 9.750 663.70 103 9.500 663.70 TUCKERTON NJ 08087 2 08/07/01 23 0412695199 09 10/01/01 0 0412695199 O 09/01/31 0 5319198 E22/G01 F 144,000.00 ZZ 360 143,833.70 2 8.750 1,132.85 103 8.500 1,132.85 NEW ORLEANS LA 70115 1 08/13/01 23 0412819229 05 10/01/01 0 0412819229 O 09/01/31 0 5319207 E22/G01 F 197,300.00 ZZ 360 197,105.13 1 9.500 1,659.01 103 9.000 1,659.01 DIXON CA 95620 5 08/07/01 23 0412836298 05 10/01/01 0 0412836298 O 09/01/31 0 5319232 E22/G01 F 104,030.00 ZZ 360 103,865.51 1 9.250 855.83 103 9.000 855.83 KANSAS CITY MO 64134 1 07/25/01 23 0412863896 05 09/01/01 0 0412863896 O 08/01/31 0 5319234 E22/G01 F 98,880.00 ZZ 360 98,769.06 1 1 10.375 895.27 103 9.875 895.27 MIAMI FL 33185 1 08/13/01 23 0412865149 05 10/01/01 0 0412865149 O 09/01/31 0 5319244 E22/G01 F 183,000.00 ZZ 360 182,804.48 1 9.125 1,488.95 100 8.875 1,488.95 CERES CA 95307 1 08/07/01 23 0412876971 05 10/01/01 0 0412876971 O 09/01/31 0 5319255 E22/G01 F 88,000.00 ZZ 360 87,910.77 1 9.375 731.94 99 8.875 731.94 CARLISLE PA 17013 2 08/08/01 23 0412880320 07 10/01/01 0 0412880320 O 09/01/31 0 5319256 E22/G01 F 240,750.00 ZZ 360 240,486.01 1 9.000 1,937.13 107 8.750 1,937.13 LOS ANGELES CA 91406 1 08/07/01 23 0412883373 05 10/01/01 0 0412883373 O 09/01/31 0 5319258 E22/G01 F 173,500.00 ZZ 360 173,328.65 1 9.500 1,458.88 107 9.250 1,458.88 ELKHART IN 46517 5 08/08/01 23 0412885709 05 10/01/01 0 0412885709 O 09/01/31 0 5319282 E22/G01 F 106,900.00 ZZ 360 106,772.62 1 9.000 860.14 99 8.500 860.14 BOISE ID 83714 2 08/08/01 23 0412905366 05 10/01/01 0 1 0412905366 O 09/01/31 0 5320529 Q64/G01 F 88,800.00 ZZ 360 88,667.92 1 9.500 746.68 95 9.250 746.68 COVINGTON GA 30016 1 07/26/01 23 0433088002 05 09/01/01 0 0102188802 N 08/01/31 0 5332708 J95/G01 F 165,800.00 ZZ 360 165,613.41 1 8.875 1,319.18 107 8.625 1,319.18 ST HELENS OR 97051 5 08/20/01 23 0433189461 05 10/01/01 0 0027314897 O 09/01/31 0 5334117 147/G01 F 148,730.00 ZZ 360 148,579.18 1 9.375 1,237.07 107 9.125 1,237.07 CHICAGO IL 60619 1 08/29/01 23 0433190451 05 10/01/01 0 10432015 O 09/01/31 0 5334128 U05/G01 F 184,900.00 ZZ 360 184,735.29 1 10.000 1,622.63 100 9.750 1,622.63 BEND OR 97701 5 08/15/01 23 0433190261 05 10/01/01 0 3142530 O 09/01/31 0 5334536 T34/G01 F 327,200.00 ZZ 360 326,822.11 1 8.750 2,574.09 100 8.500 2,574.09 MANASSAS VA 20112 1 08/17/01 23 0433276870 03 10/01/01 0 5083478 O 09/01/31 0 1 5334625 642/G01 F 225,000.00 ZZ 360 224,777.78 1 9.500 1,891.92 100 9.250 1,891.92 NORFOLK VA 23507 1 08/13/01 23 0433116993 05 10/01/01 0 08101501 O 09/01/31 0 5334762 642/G01 F 169,950.00 ZZ 360 169,824.90 1 10.875 1,602.44 103 10.625 1,602.44 PUYALLUP WA 98373 1 08/17/01 23 0433188901 05 10/01/01 0 07131101 O 09/01/31 0 5335196 U05/G01 F 149,350.00 ZZ 360 149,186.24 1 9.000 1,201.70 103 8.750 1,201.70 PHOENIX AZ 85027 1 08/15/01 23 0433110152 05 10/01/01 0 3160101 O 09/01/31 0 5335868 L16/G01 F 103,400.00 ZZ 360 103,279.70 1 8.750 813.45 100 8.500 813.45 WEST JORDAN UT 84084 1 08/16/01 23 0433165909 01 10/01/01 0 W010861 O 09/01/31 0 5336241 G75/G01 F 329,250.00 ZZ 360 328,859.81 1 8.625 2,560.88 107 8.375 2,560.88 LINCOLN UNIVERS PA 19352 1 08/30/01 23 0433182938 05 10/01/01 0 00255444 O 09/01/31 0 5337262 950/G01 F 157,700.00 ZZ 360 157,535.85 1 9.250 1,297.36 95 9.000 1,297.36 1 PORTLAND OR 97217 1 08/21/01 23 0433279361 01 10/01/01 0 Y2107080 O 09/01/31 0 5337316 808/G01 F 212,930.00 ZZ 360 212,262.96 1 8.375 1,618.43 107 8.125 1,618.43 CORONA CA 92883 1 08/23/01 23 0433223492 03 10/01/01 0 9320756 O 09/01/31 0 5338627 Q01/G01 F 170,641.00 ZZ 360 170,413.04 1 8.375 1,296.99 105 8.125 1,296.99 ALBUUEQUE NM 87113 1 08/14/01 23 0433188968 03 10/01/01 0 69498201 O 09/01/31 0 5340424 J95/G01 F 183,500.00 ZZ 360 183,351.84 1 8.375 1,394.74 104 8.125 1,394.74 BOTHELL WA 98012 1 09/07/01 23 0433190535 05 11/01/01 0 0027417880 O 10/01/31 0 5341690 E22/G01 F 68,450.00 ZZ 360 68,359.57 1 8.375 520.27 107 8.125 520.27 STRATTON CO 80836 1 08/14/01 23 0412852253 05 10/01/01 0 0412852253 O 09/01/31 0 5341693 E22/G01 F 237,050.00 ZZ 360 236,776.25 1 8.750 1,864.87 107 8.250 1,864.87 LAS VEGAS NV 89129 1 08/05/01 23 0412860157 03 10/01/01 0 0412860157 O 09/01/31 0 1 5341709 E22/G01 F 153,800.00 ZZ 360 153,639.93 1 9.250 1,265.27 100 9.000 1,265.27 AURORA CO 80011 1 08/14/01 23 0412883324 03 10/01/01 0 0412883324 O 09/01/31 0 5341714 E22/G01 F 224,500.00 ZZ 360 224,305.78 1 10.125 1,990.92 103 9.875 1,990.92 SAGINAW MI 48609 5 08/09/01 23 0412890964 05 10/01/01 0 0412890964 O 09/01/31 0 5341732 E22/G01 F 219,243.00 ZZ 360 218,996.27 1 8.875 1,744.40 107 8.625 1,744.40 MANTECA CA 95336 1 08/09/01 23 0412908774 05 10/01/01 0 0412908774 O 09/01/31 0 5341740 E22/G01 F 95,765.00 ZZ 360 95,645.54 1 8.375 727.88 107 7.875 727.88 AMARILLO TX 79109 1 08/14/01 23 0412929242 05 10/01/01 0 0412929242 O 09/01/31 0 5342003 253/G01 F 225,100.00 ZZ 360 224,967.10 1 8.625 1,750.81 100 8.375 1,750.81 LITTLETON CO 80123 1 09/17/01 23 0433282712 01 11/01/01 0 973474 O 10/01/31 0 5342673 408/G01 F 142,300.00 ZZ 360 142,147.97 1 1 9.125 1,157.80 107 8.875 1,157.80 MAGNA UT 84044 5 08/27/01 23 0433178357 05 10/01/01 0 703014470 O 09/01/31 0 5344011 642/G01 F 122,570.00 ZZ 360 122,466.76 1 10.250 1,098.35 103 10.000 1,098.35 CYPRESS TX 77429 1 08/10/01 23 0433099561 03 10/01/01 0 08102801 O 09/01/31 0 5344135 K15/G01 F 122,200.00 ZZ 180 121,537.01 1 8.750 1,221.33 101 8.500 1,221.33 CEDAR RAPIDS IA 52404 5 08/20/01 23 0433102712 05 10/01/01 0 009905301327 O 09/01/16 0 5344181 G75/G01 F 104,750.00 ZZ 360 104,625.86 1 8.625 814.74 97 8.375 814.74 UPPER PROVIDENC PA 19464 1 08/22/01 23 0433257433 01 10/01/01 0 04430954 O 09/01/31 0 5344832 003/G01 F 146,300.00 ZZ 360 146,147.71 1 9.250 1,203.58 104 9.000 1,203.58 DAVIE FL 33317 1 08/17/01 23 0433241221 03 10/01/01 0 0021538459 O 09/01/31 0 5345016 N67/G01 F 152,000.00 ZZ 360 151,828.95 1 8.875 1,209.38 100 8.625 1,209.38 LAS VEGAS NV 89130 1 08/29/01 23 0433214830 05 10/01/01 0 1 1380003602 O 09/01/31 0 5345805 U62/G01 F 87,205.00 ZZ 360 87,053.39 1 8.750 686.04 107 8.500 686.04 FREDERICK MD 21702 1 07/17/01 23 0433083474 01 09/01/01 0 2001256883 O 08/01/31 0 5346649 S20/G01 F 66,950.00 ZZ 360 66,888.65 1 11.750 675.80 103 11.500 675.80 PROSPERITY SC 29127 5 08/20/01 23 0433265667 05 09/24/01 0 0112389 O 08/24/31 0 5346781 N46/G01 F 101,200.00 ZZ 360 101,073.76 1 8.375 769.19 105 8.125 769.19 GREENSBORO NC 27407 1 08/22/01 23 0433127446 05 10/01/01 0 104362 O 09/01/31 0 5346813 685/G01 F 390,550.00 ZZ 360 390,110.48 1 8.875 3,107.39 107 8.625 3,107.39 THOUSAND OAKS ( CA 91320 1 08/17/01 23 0433184413 01 10/01/01 0 126350 O 09/01/31 0 5347045 808/G01 F 240,750.00 ZZ 360 240,604.15 1 8.500 1,851.16 107 8.250 1,851.16 RANCHO CUCAMONG CA 91737 5 09/04/01 23 0433253531 05 11/01/01 0 9320790 O 10/01/31 0 1 5347192 N74/G01 F 149,350.00 ZZ 360 149,202.48 1 9.500 1,255.82 103 9.250 1,255.82 WINSTON SALEM NC 27105 1 08/21/01 23 0433165925 05 10/01/01 0 0029108310 O 09/01/31 0 5347239 U05/G01 F 135,250.00 ZZ 360 135,101.70 1 9.000 1,088.25 105 8.750 1,088.25 BALTIMORE MD 21221 5 08/17/01 23 0433124690 03 10/01/01 0 3150883 O 09/01/31 0 5347426 147/G01 F 118,450.00 ZZ 360 118,341.92 1 9.875 1,028.56 103 9.625 1,028.56 CHICAGO IL 60617 1 08/20/01 23 0433252608 05 10/01/01 0 1 O 09/01/31 0 5347851 N67/G01 F 106,800.00 ZZ 360 106,741.66 1 9.000 859.34 107 8.750 859.34 CLAYMONT DE 19703 1 09/14/01 23 0433199072 05 11/01/01 0 3250006667 O 10/01/31 0 5347997 N67/G01 F 248,764.00 ZZ 360 248,511.78 1 9.375 2,069.09 100 9.125 2,069.09 MESA AZ 85212 1 08/08/01 23 0433101060 05 10/01/01 0 1780007433 O 09/01/31 0 5348386 K15/G01 F 120,400.00 ZZ 360 120,287.20 1 9.750 1,034.42 103 9.500 1,034.42 1 RED WING MN 55066 5 08/21/01 23 0433102613 05 10/01/01 0 013105304684 O 09/01/31 0 5348398 J95/G01 F 58,745.00 ZZ 360 58,130.47 1 8.500 451.70 107 8.250 451.70 BELLEVILLE IL 62223 1 08/30/01 23 0433216140 05 10/01/01 0 0027400340 O 09/01/31 0 5349133 R17/G01 F 274,000.00 ZZ 360 273,549.36 1 8.250 2,058.47 100 8.000 2,058.47 SAN DIEGO CA 92123 1 08/22/01 23 0433224896 05 10/01/01 0 1000049994 O 09/01/31 0 5349391 U05/G01 F 193,000.00 ZZ 360 192,799.13 1 9.250 1,587.76 100 9.000 1,587.76 SCOTTSDALE AZ 85251 1 08/15/01 23 0433165750 03 10/01/01 0 3160086 O 09/01/31 0 5352026 U28/G01 F 175,950.00 ZZ 360 175,659.52 1 9.000 1,415.73 100 8.750 1,415.73 ALPHARETTA GA 30005 1 07/31/01 23 0433101086 03 09/01/01 0 1 O 08/01/31 0 5353417 E22/G01 F 65,900.00 ZZ 360 65,833.18 1 9.375 548.12 100 9.125 548.12 TOWNSHIP OF DOV NJ 08755 1 08/15/01 23 0412829186 05 10/01/01 0 0412829186 O 09/01/31 0 1 5353423 E22/G01 F 148,000.00 ZZ 360 147,849.94 1 9.375 1,230.99 100 9.125 1,230.99 SOUTHFIELD MI 48075 1 08/15/01 23 0412847170 05 10/01/01 0 0412847170 O 09/01/31 0 5353446 E22/G01 F 118,190.00 ZZ 360 117,997.65 1 8.375 898.33 106 8.125 898.33 DALLAS TX 75249 1 08/15/01 23 0412869208 03 10/01/01 0 0412869208 O 09/01/31 0 5353464 E22/G01 F 203,250.00 ZZ 360 203,021.26 1 8.875 1,617.15 107 8.375 1,617.15 RIVERSIDE CA 92509 5 08/10/01 23 0412883217 05 10/01/01 0 0412883217 O 09/01/31 0 5353496 E22/G01 F 193,670.00 ZZ 360 192,766.99 1 9.000 1,558.31 107 8.750 1,558.31 KENNEWICK WA 99338 1 08/06/01 23 0412904781 05 10/01/01 0 0412904781 O 09/01/31 0 5353505 E22/G01 F 133,750.00 ZZ 360 133,591.51 1 8.625 1,040.29 107 8.125 1,040.29 VENTURA CA 93003 1 08/10/01 23 0412910754 01 10/01/01 0 0412910754 O 09/01/31 0 5353506 E22/G01 F 102,000.00 ZZ 360 101,882.51 1 1 9.250 839.13 106 9.000 839.13 AMESBURY MA 01913 1 08/15/01 23 0412910903 01 10/01/01 0 0412910903 O 09/01/31 0 5353517 E22/G01 F 157,500.00 ZZ 360 157,303.54 1 8.375 1,197.11 105 8.125 1,197.11 SANTA FE NM 87507 1 08/15/01 23 0412932071 05 10/01/01 0 0412932071 O 09/01/31 0 5354068 U05/G01 F 248,975.00 ZZ 360 248,530.85 1 8.625 1,936.50 100 8.375 1,936.50 CASPER WY 82601 1 07/20/01 23 0433131943 05 09/01/01 0 3151878 O 08/01/31 0 5354113 700/G01 F 282,400.00 ZZ 360 282,228.92 1 8.500 2,171.41 107 8.250 2,171.41 LOS ANGELES CA 90056 1 09/07/01 23 0433252657 01 11/01/01 0 00261269 O 10/01/31 0 5354124 664/G01 F 215,000.00 ZZ 360 214,670.20 1 11.000 2,047.50 100 10.750 2,047.50 POLK WI 53086 1 07/06/01 23 0433075041 05 08/01/01 0 0008165003 O 07/01/31 0 5354781 K15/G01 F 81,700.00 ZZ 360 81,647.53 1 11.500 809.07 103 11.250 809.07 MUSKOGEE OK 74401 5 08/27/01 23 0433176955 05 10/01/01 0 1 032605303058 O 09/01/31 0 5355597 U66/G01 F 99,900.00 ZZ 360 99,793.28 1 9.125 812.82 100 8.875 812.82 HOUSTON TX 77037 1 08/27/01 23 0433181260 05 10/01/01 0 263 O 09/01/31 0 5356177 J95/G01 F 169,900.00 ZZ 360 169,693.41 1 8.500 1,306.39 103 8.250 1,306.39 EVERETT WA 98208 1 08/21/01 23 0433176328 03 10/01/01 0 0027443670 O 09/01/31 0 5356777 K15/G01 F 101,600.00 ZZ 180 101,054.93 1 8.875 1,022.95 107 8.625 1,022.95 ALBUQUERQUE NM 87121 5 08/23/01 23 0433169083 05 10/01/01 0 033505301727 O 09/01/16 0 5357725 U05/G01 F 72,200.00 ZZ 360 72,120.82 1 9.000 580.94 95 8.750 580.94 FOREST PARK GA 30297 1 08/29/01 23 0433162674 05 10/01/01 0 3161479 N 09/01/31 0 5358548 U05/G01 F 73,600.00 ZZ 360 73,519.30 1 9.000 592.20 95 8.750 592.20 FOREST PARK GA 30297 1 08/28/01 23 0433162740 05 10/01/01 0 3160661 N 09/01/31 0 1 5359462 642/G01 F 280,000.00 ZZ 360 278,501.72 1 9.125 2,278.17 104 8.875 2,278.17 FREMONT CA 94538 1 08/06/01 23 0433101011 01 10/01/01 0 07130601 O 09/01/31 0 5359938 K15/G01 F 118,400.00 ZZ 360 118,321.83 1 11.375 1,161.23 103 11.125 1,161.23 GOLDSBORO NC 27530 5 08/23/01 23 0433165529 05 10/01/01 0 017305304078 O 09/01/31 0 5360958 642/G01 F 178,300.00 ZZ 360 178,114.42 1 9.250 1,466.83 103 9.000 1,466.83 OLATHE KS 66061 1 08/16/01 23 0433084662 03 10/01/01 0 07148001 O 09/01/31 0 5362126 700/G01 F 98,000.00 ZZ 360 97,947.85 1 9.125 797.36 100 8.875 797.36 PEARLAND TX 77581 1 09/07/01 23 0433258092 05 11/01/01 0 1 O 10/01/31 0 5363193 E22/G01 F 90,250.00 ZZ 360 90,145.76 2 8.750 710.00 95 8.500 710.00 SACRAMENTO CA 95838 1 08/06/01 23 0412808222 05 10/01/01 0 0412808222 N 09/01/31 0 5363194 E22/G01 F 400,000.00 ZZ 360 399,488.11 1 8.250 3,005.07 107 8.000 3,005.07 1 LIVERMORE CA 94550 1 08/10/01 23 0412821118 09 10/01/01 0 0412821118 O 09/01/31 0 5363211 E22/G01 F 130,000.00 ZZ 360 129,841.93 1 8.500 999.59 104 8.000 999.59 CAMERON PARK CA 95682 1 08/03/01 23 0412877953 03 10/01/01 0 0412877953 O 09/01/31 0 5363219 E22/G01 F 91,000.00 ZZ 360 90,902.77 1 9.125 740.41 105 8.875 740.41 FERNDALE MI 48220 1 08/16/01 23 0412890204 05 10/01/01 0 0412890204 O 09/01/31 0 5363228 E22/G01 F 262,500.00 ZZ 360 262,195.10 1 9.125 2,135.79 100 8.625 2,135.79 MAGNOLIA TX 77355 1 08/16/01 23 0412905457 03 10/01/01 0 0412905457 O 09/01/31 0 5363240 E22/G01 F 74,150.00 ZZ 360 74,070.78 1 9.125 603.31 103 8.875 603.31 ROYAL OAK MI 48073 1 08/16/01 23 0412918625 01 10/01/01 0 0412918625 O 09/01/31 0 5363248 E22/G01 F 114,500.00 ZZ 360 114,364.31 1 8.625 890.57 100 8.125 890.57 SPRINGFIELD OR 97478 1 08/10/01 23 0412930109 05 10/01/01 0 0412930109 O 09/01/31 0 1 5363250 E22/G01 F 69,443.00 ZZ 360 69,364.85 1 8.875 552.52 107 8.375 552.52 SAN ANTONIO TX 78223 1 08/16/01 23 0412936353 05 10/01/01 0 0412936353 O 09/01/31 0 5363784 Q78/G01 F 155,000.00 ZZ 360 154,842.83 1 9.375 1,289.22 107 9.125 1,289.22 LINCOLN NE 68516 2 08/08/01 23 0433118478 05 10/01/01 0 691447 O 09/01/31 0 5364978 147/G01 F 118,450.00 ZZ 360 118,333.00 1 9.500 996.00 103 9.250 996.00 WOLCOTT CT 06716 1 08/22/01 23 0433210242 05 10/01/01 0 99999999999 O 09/01/31 0 5365329 J95/G01 F 126,260.00 ZZ 360 126,087.31 1 8.875 1,004.59 107 8.625 1,004.59 KANSAS CITY MO 64131 1 08/22/01 23 0433128410 05 10/01/01 0 0017834839 O 09/01/31 0 5366139 M43/G01 F 354,103.00 ZZ 360 353,683.37 1 8.625 2,754.18 103 8.375 2,754.18 WOODBRIDGE VA 22193 1 08/22/01 23 0433192945 03 10/01/01 0 743069095 O 09/01/31 0 5366361 E87/G01 F 128,400.00 ZZ 360 128,324.20 1 1 8.625 998.68 107 8.375 998.68 NEWARK NJ 07112 1 09/13/01 23 0433223542 05 11/01/01 0 01080320 O 10/01/31 0 5366660 964/G01 F 272,300.00 ZZ 360 272,139.24 1 8.625 2,117.92 107 8.375 2,117.92 MISSION VIEJO CA 92692 1 09/05/01 23 0433204393 01 11/01/01 0 140071 O 10/01/31 0 5366888 147/G01 F 82,297.00 ZZ 360 82,217.82 1 9.625 699.52 103 9.375 699.52 JASPER TN 37347 1 08/21/01 23 0433234986 05 10/01/01 0 1 O 09/01/31 0 5367417 147/G01 F 200,090.00 ZZ 360 199,881.72 1 9.250 1,646.10 107 9.000 1,646.10 KENNESAW GA 30144 5 08/22/01 23 0433187085 05 10/01/01 0 10431850 O 09/01/31 0 5368295 950/G01 F 274,500.00 ZZ 360 274,181.40 1 8.750 2,159.49 100 8.500 2,159.49 BOTHELL WA 98011 1 08/21/01 23 0433218948 05 10/01/01 0 E3108327 O 09/01/31 0 5368413 642/G01 F 150,850.00 ZZ 360 150,708.68 1 9.750 1,296.03 103 9.500 1,296.03 WADESBORO NC 28170 1 08/09/01 23 0433102290 05 10/01/01 0 1 06181801 O 09/01/31 0 5368847 J95/G01 F 60,455.00 ZZ 360 60,385.18 1 8.750 475.60 107 8.500 475.60 LARGO FL 33777 1 08/24/01 23 0433176450 01 10/01/01 0 0023709140 O 09/01/31 0 5368861 J95/G01 F 119,950.00 ZZ 360 119,800.36 1 8.375 911.71 106 8.125 911.71 SALEM OR 97305 1 08/24/01 23 0433179975 05 10/01/01 0 0027466093 O 09/01/31 0 5369002 U28/G01 F 113,300.00 ZZ 360 113,175.76 1 9.000 911.64 103 8.750 911.64 MAYSVILLE GA 30558 1 08/31/01 23 0433206380 05 10/01/01 0 1 O 09/01/31 0 5369146 Q64/G01 F 87,900.00 ZZ 360 87,813.17 1 9.500 739.12 100 9.250 739.12 MONTICELLO GA 31064 1 08/09/01 23 0433169745 03 10/01/01 0 0102261203 O 09/01/31 0 5369332 K15/G01 F 77,200.00 ZZ 360 77,149.04 1 11.375 757.15 103 11.125 757.15 LAWTON OK 73505 5 08/23/01 23 0433165479 05 10/01/01 0 003260005303067 O 09/01/31 0 1 5369524 Q64/G01 F 152,400.00 ZZ 360 152,216.70 1 10.500 1,394.07 103 10.250 1,394.07 DECATUR GA 30034 5 08/06/01 23 0433179504 05 09/01/01 0 0102230802 O 08/01/31 0 5369551 W82/G01 F 242,050.00 ZZ 360 241,770.46 1 8.750 1,904.21 103 8.500 1,904.21 MARIETTA GA 30068 1 08/22/01 23 0433198553 05 10/01/01 0 910 O 09/01/31 0 5370379 Q64/G01 F 185,850.00 ZZ 360 185,624.02 1 8.500 1,429.03 107 8.250 1,429.03 LOUISVILLE KY 40258 1 08/09/01 23 0433147709 05 10/01/01 0 0102210309 O 09/01/31 0 5370875 940/G01 F 83,000.00 T 360 82,904.15 1 8.750 652.96 107 8.500 652.96 BIG BEAR CITY CA 92314 1 08/28/01 23 0433223336 05 10/01/01 0 40010910 O 09/01/31 0 5371594 E87/G01 F 299,000.00 ZZ 360 281,060.00 1 8.500 2,299.05 107 8.250 2,299.05 GOLETA CA 93117 1 08/15/01 23 0433129566 01 10/01/01 0 70003682 O 09/01/31 0 5373610 964/G01 F 95,750.00 ZZ 360 95,655.43 1 9.500 805.12 100 9.250 805.12 1 CALDWELL ID 83605 1 08/22/01 23 0433126471 03 10/01/01 0 133701 O 09/01/31 0 5373791 E22/G01 F 68,300.00 ZZ 360 68,227.04 2 9.125 555.71 95 8.875 555.71 MARTINSBURG WV 25401 1 08/16/01 23 0412797508 05 10/01/01 0 0412797508 N 09/01/31 0 5373810 E22/G01 F 149,350.00 ZZ 360 149,194.54 1 9.250 1,228.67 100 8.750 1,228.67 SACRAMENTO CA 95828 1 08/13/01 23 0412857484 05 10/01/01 0 0412857484 O 09/01/31 0 5373842 E22/G01 F 185,500.00 ZZ 360 185,296.60 1 9.000 1,492.57 100 8.750 1,492.57 GOODRICH MI 48438 1 08/17/01 23 0412899916 05 10/01/01 0 0412899916 O 09/01/31 0 5373859 E22/G01 F 51,390.00 ZZ 360 51,341.85 1 9.750 441.52 103 9.500 441.52 INDEPENDENCE MO 64055 1 08/17/01 23 0412911158 05 10/01/01 0 0412911158 O 09/01/31 0 5373869 E22/G01 F 149,350.00 ZZ 360 149,224.20 1 10.250 1,338.33 103 10.000 1,338.33 BATTLE CREEK MI 49017 1 08/17/01 23 0412917072 05 10/01/01 0 0412917072 O 09/01/31 0 1 5373872 E22/G01 F 297,000.00 ZZ 360 296,721.75 1 9.750 2,551.69 99 9.500 2,551.69 PARKER CO 80434 5 08/13/01 23 0412917882 03 10/01/01 0 0412917882 O 09/01/31 0 5373874 E22/G01 F 64,200.00 T 360 64,057.50 1 8.875 510.80 107 8.375 510.80 MEMPHIS TN 38122 1 08/17/01 23 0412918252 05 10/01/01 0 0412918252 O 09/01/31 0 5373878 E22/G01 F 240,000.00 ZZ 360 239,828.06 1 11.000 2,285.58 100 10.500 2,285.58 COLORADO SPRING CO 80918 1 08/16/01 23 0412921553 05 10/01/01 0 0412921553 O 09/01/31 0 5373881 E22/G01 F 41,250.00 ZZ 360 41,202.29 1 9.875 358.19 99 9.625 358.19 KAPLAN LA 70548 1 08/17/01 23 0412922973 05 10/01/01 0 0412922973 O 09/01/31 0 5373897 E22/G01 F 154,500.00 ZZ 360 154,326.14 1 8.875 1,229.27 103 8.375 1,229.27 CITRUS HEIGHTS CA 95610 1 08/10/01 23 0412933137 05 10/01/01 0 0412933137 O 09/01/31 0 5373903 E22/G01 F 175,000.00 ZZ 360 174,813.03 1 1 9.125 1,423.86 100 8.875 1,423.86 ORCHARD CO 80649 1 08/17/01 23 0412953861 05 10/01/01 0 0412953861 O 09/01/31 0 5375292 664/G01 F 185,700.00 ZZ 360 185,474.20 1 8.500 1,427.88 105 8.250 1,427.88 MANASSAS VA 20109 1 08/24/01 23 0433220621 09 10/01/01 0 0008310815 O 09/01/31 0 5376924 642/G01 F 149,350.00 ZZ 360 149,210.07 1 9.750 1,283.15 103 9.500 1,283.15 HOLLYWOOD FL 33020 1 08/14/01 23 0433104379 05 10/01/01 0 07119601 O 09/01/31 0 5376966 J95/G01 F 193,500.00 ZZ 360 193,264.71 1 8.500 1,487.85 102 8.250 1,487.85 EVERETT WA 98203 5 08/27/01 23 0433191137 05 10/01/01 0 0027461862 O 09/01/31 0 5378639 T17/G01 F 100,425.00 ZZ 360 100,294.14 1 10.125 890.59 101 9.875 890.59 POOLER GA 31322 2 08/23/01 23 0433218781 05 09/26/01 0 01080260 O 08/26/31 0 5378753 737/G01 F 226,600.00 ZZ 360 226,414.20 1 10.375 2,051.65 103 10.125 2,051.65 BEAUMONT TX 77707 1 08/10/01 14 0433130358 05 10/01/01 35 1 2033119 O 09/01/31 0 5379133 B57/G01 F 226,600.00 ZZ 360 226,317.34 1 8.375 1,722.32 103 8.125 1,722.32 SIMI VALLEY CA 93065 1 08/24/01 23 0433227899 01 10/01/01 0 2140347 O 09/01/31 0 5379379 642/G01 F 141,110.00 ZZ 360 140,971.87 1 9.875 1,225.33 103 9.625 1,225.33 CHATTANOOGA TN 37421 2 08/20/01 23 0433116795 05 10/01/01 0 08145201 O 09/01/31 0 5379553 964/G01 F 238,600.00 ZZ 360 238,351.66 1 9.250 1,962.90 107 9.000 1,962.90 LAS VEGAS NV 89145 5 08/17/01 23 0433132222 03 10/01/01 0 138523 O 09/01/31 0 5379930 664/G01 F 129,500.00 ZZ 360 129,262.96 1 8.500 995.75 107 8.250 995.75 SEDRO WOOLLEY WA 98284 1 07/10/01 23 0433103488 05 09/01/01 0 0008217440 O 08/01/31 0 5380758 U28/G01 F 114,000.00 ZZ 360 113,871.69 1 8.875 907.04 100 8.625 907.04 KENNESAW GA 30144 1 08/27/01 23 0433206000 05 10/01/01 0 1 O 09/01/31 0 1 5380929 685/G01 F 249,300.00 ZZ 360 249,019.45 1 8.875 1,983.54 107 8.625 1,983.54 STOCKTON CA 95206 1 08/17/01 23 0433166949 05 10/01/01 0 209744 O 09/01/31 0 5381025 B28/G01 F 57,200.00 ZZ 360 57,137.29 1 9.000 460.24 100 8.750 460.24 NORTH LITTLE RO AR 72114 1 08/29/01 23 0433285640 05 10/01/01 0 01000530 O 09/01/31 0 5382048 U59/G01 F 87,000.00 ZZ 360 86,817.26 2 8.750 684.43 103 8.500 684.43 SAN ANTONIO TX 78250 1 08/23/01 23 0433130069 05 09/23/01 0 800865671 O 08/23/31 0 5382805 737/G01 F 124,000.00 ZZ 360 123,930.48 1 8.875 986.60 100 8.625 986.60 GLENDALE AZ 85301 1 09/10/01 23 0433285665 05 11/01/01 0 2035962 O 10/01/31 0 5383589 B28/G01 F 290,000.00 ZZ 360 289,666.53 1 8.875 2,307.38 100 8.625 2,307.38 ANTIOCH CA 94509 1 08/24/01 23 0433223096 05 10/01/01 0 0105230007 O 09/01/31 0 5383987 G27/G01 F 211,150.00 ZZ 360 210,957.35 1 9.875 1,833.52 103 9.625 1,833.52 1 BAKERSFIELD CA 93306 5 08/23/01 23 0433208386 05 10/01/01 0 20301128 O 09/01/31 0 5384551 964/G01 F 123,076.00 ZZ 360 122,926.35 1 8.500 946.35 103 8.250 946.35 LAS VEGAS NV 89104 1 08/24/01 23 0433198496 05 10/01/01 0 138036 O 09/01/31 0 5384912 E22/G01 F 390,000.00 ZZ 360 389,500.91 1 8.250 2,929.94 104 8.000 2,929.94 FREMONT CA 94538 1 08/13/01 23 0412750838 05 10/01/01 0 0412750838 O 09/01/31 0 5384916 E22/G01 F 169,500.00 ZZ 360 169,002.06 1 8.750 1,333.46 106 8.500 1,333.46 MILLSTONE NJ 08514 1 08/20/01 23 0412783714 05 10/01/01 0 0412783714 O 09/01/31 0 5384987 E22/G01 F 61,750.00 ZZ 360 61,685.73 1 9.250 508.00 95 8.750 508.00 JACKSONVILLE FL 32207 1 08/15/01 23 0412894040 05 10/01/01 0 0412894040 N 09/01/31 0 5384994 E22/G01 F 146,260.00 ZZ 360 146,133.47 1 10.125 1,297.07 103 9.625 1,297.07 WEST JORDAN UT 84084 5 08/15/01 23 0412897639 05 10/01/01 0 0412897639 O 09/01/31 0 1 5385005 E22/G01 F 168,525.00 ZZ 360 168,335.34 1 8.875 1,340.86 107 8.375 1,340.86 PALM BEACH GARD FL 33410 1 08/20/01 23 0412904179 05 10/01/01 0 0412904179 O 09/01/31 0 5385012 E22/G01 F 274,990.00 ZZ 360 274,672.42 1 8.750 2,163.35 107 8.250 2,163.35 BURBANK CA 91504 1 08/09/01 23 0412908766 01 10/01/01 0 0412908766 O 09/01/31 0 5385018 E22/G01 F 124,600.00 ZZ 360 124,444.56 1 8.375 947.05 104 8.125 947.05 SACRAMENTO CA 95820 1 08/10/01 23 0412912784 05 10/01/01 0 0412912784 O 09/01/31 0 5385060 E22/G01 F 123,050.00 ZZ 360 122,781.30 1 8.500 946.15 107 8.000 946.15 HOUSTON TX 77089 1 08/20/01 23 0412947657 03 10/01/01 0 0412947657 O 09/01/31 0 5385516 N46/G01 F 83,990.00 ZZ 360 83,885.24 1 8.375 638.38 99 8.125 638.38 LAGRANGE KY 40031 1 08/24/01 23 0433162070 05 10/01/01 0 104368 O 09/01/31 0 5386075 E86/G01 F 156,045.00 ZZ 360 155,923.74 1 1 10.625 1,442.01 103 10.375 1,442.01 ISLAND LAKE IL 60042 1 08/24/01 23 0433198728 05 10/01/01 0 0000130147 O 09/01/31 0 5386495 S20/G01 F 97,000.00 ZZ 360 96,876.91 1 10.250 869.22 100 10.000 869.22 COLUMBIA SC 29209 1 08/24/01 23 0433200268 05 09/24/01 0 0112422 O 08/24/31 0 5388344 588/G01 F 54,693.00 ZZ 360 54,614.15 1 9.750 469.90 103 9.500 469.90 KINGSTON CITY NY 12401 1 07/20/01 23 0433119278 05 09/01/01 0 1041554 O 08/01/31 0 5389510 147/G01 F 203,940.00 ZZ 360 203,715.88 1 8.990 1,639.49 103 8.740 1,639.49 INDIAN HARBOUR FL 32937 1 08/24/01 23 0433190899 09 10/01/01 0 99999999 O 09/01/31 0 5389783 940/G01 F 231,756.00 ZZ 360 231,466.90 1 8.375 1,761.51 104 8.125 1,761.51 RIVERSIDE CA 92508 1 08/27/01 23 0433203460 03 10/01/01 0 40010869 O 09/01/31 0 5389874 664/G01 F 41,070.00 ZZ 360 41,003.93 1 9.125 334.16 106 8.875 334.16 MARION KS 66861 1 07/23/01 23 0433106762 05 09/01/01 0 1 0008233074 O 08/01/31 0 5389993 J95/G01 F 116,630.00 ZZ 360 116,505.39 1 9.125 948.94 107 8.875 948.94 SMYRNA TN 37167 2 08/24/01 23 0433189479 05 10/01/01 0 0023653959 O 09/01/31 0 5391400 408/G01 F 99,910.00 ZZ 360 99,803.26 1 9.125 812.90 103 8.875 812.90 PRAIRIE VILLAGE KS 66208 1 08/24/01 23 0433252251 03 10/01/01 0 703011291 O 09/01/31 0 5391959 455/G01 F 118,000.00 ZZ 360 117,829.04 1 9.625 1,002.99 100 9.375 1,002.99 STATESVILLE NC 28677 1 08/01/01 23 0433159126 05 09/01/01 0 42001192 O 08/01/31 0 5392083 K15/G01 F 66,900.00 ZZ 360 66,845.14 1 10.375 605.72 103 10.125 605.72 ST. JOSEPH IL 61873 5 08/22/01 23 0433168937 05 10/01/01 0 018105302724 O 09/01/31 0 5392308 Q01/G01 F 85,250.00 ZZ 360 85,163.56 1 9.375 709.07 100 9.125 709.07 AKRON OH 44310 1 08/16/01 23 0433123601 05 10/01/01 0 49313 O 09/01/31 0 1 5392399 Q01/G01 F 39,805.00 ZZ 360 39,764.64 1 9.375 331.08 95 9.125 331.08 WATERLOO IA 50703 1 08/17/01 23 0433190246 05 10/01/01 0 695047 N 09/01/31 0 5392465 408/G01 F 98,990.00 ZZ 360 98,889.63 1 9.375 823.35 100 9.125 823.35 LIBERTY MO 64068 1 08/24/01 23 0433177672 05 10/01/01 0 703011493 O 09/01/31 0 5392547 700/G01 F 178,000.00 ZZ 360 177,897.59 1 8.750 1,400.33 100 8.500 1,400.33 HOUSTON TX 77035 1 09/06/01 23 0433240934 03 11/01/01 0 9999999999 O 10/01/31 0 5394068 R17/G01 F 154,800.00 ZZ 360 154,618.76 1 10.625 1,430.51 95 10.375 1,430.51 GREENACRES FL 33413 1 07/11/01 23 0433145141 03 09/01/01 0 1000047226 O 08/01/31 0 5394279 R17/G01 F 113,500.00 ZZ 360 113,326.69 1 9.375 944.04 100 9.125 944.04 ALLENTOWN PA 18103 1 07/23/01 23 0433194487 05 09/01/01 0 1000047860 O 08/01/31 0 5394425 U62/G01 F 138,000.00 ZZ 180 137,006.19 1 8.125 1,328.78 107 7.875 1,328.78 1 CANTON GA 30115 5 08/27/01 23 0433183639 05 10/01/01 0 2001278862 O 09/01/16 0 5394613 964/G01 F 116,000.00 ZZ 360 115,866.04 1 8.750 912.57 100 8.500 912.57 NORTH LAS VEGAS NV 89031 1 08/30/01 23 0433196276 05 10/01/01 0 142700 O 09/01/31 0 5395586 E22/G01 F 137,492.00 ZZ 360 137,341.24 1 9.000 1,106.29 107 8.500 1,106.29 BENTONVILLE AR 72712 5 08/16/01 23 0412817066 05 10/01/01 0 0412817066 O 09/01/31 0 5395589 E22/G01 F 148,034.00 ZZ 360 147,871.67 1 9.000 1,191.12 107 8.750 1,191.12 KENNEWICK WA 99337 1 08/01/01 23 0412828600 05 10/01/01 0 0412828600 O 09/01/31 0 5395591 E22/G01 F 50,243.00 ZZ 360 50,192.05 1 9.375 417.90 95 8.875 417.90 CORPUS CHRISTI TX 78416 1 08/01/01 23 0412833089 05 10/01/01 0 0412833089 N 09/01/31 0 5395609 E22/G01 F 139,050.00 ZZ 360 138,919.73 1 9.750 1,194.65 103 9.500 1,194.65 GARDEN CITY MI 48135 1 08/21/01 23 0412869547 05 10/01/01 0 0412869547 O 09/01/31 0 1 5395635 E22/G01 F 282,300.00 ZZ 360 281,947.85 1 8.375 2,145.68 105 7.875 2,145.68 VALLEJO CA 94591 1 08/09/01 23 0412905622 05 10/01/01 0 0412905622 O 09/01/31 0 5395638 E22/G01 F 83,000.00 ZZ 360 82,915.85 1 9.375 690.35 100 9.125 690.35 ASHEVILLE NC 28801 1 08/21/01 23 0412909236 01 10/01/01 0 0412909236 O 09/01/31 0 5395660 E22/G01 F 300,000.00 ZZ 360 299,403.77 1 9.250 2,468.03 100 9.000 2,468.03 SAN DIEGO CA 92120 1 08/16/01 23 0412932428 05 10/01/01 0 0412932428 O 09/01/31 0 5395666 E22/G01 F 124,900.00 ZZ 360 124,766.55 1 9.125 1,016.23 100 8.625 1,016.23 CASSELBERRY FL 32707 1 08/21/01 23 0412943961 03 10/01/01 0 0412943961 O 09/01/31 0 5395667 E22/G01 F 180,250.00 ZZ 360 180,089.86 1 10.000 1,581.82 103 9.750 1,581.82 WAXAHACHIE TX 75165 1 08/21/01 23 0412948770 05 10/01/01 0 0412948770 O 09/01/31 0 5395668 E22/G01 F 109,500.00 ZZ 360 109,379.93 1 1 9.000 881.06 100 8.750 881.06 AUSTIN TX 78722 1 08/21/01 23 0412951915 05 10/01/01 0 0412951915 O 09/01/31 0 5396367 R74/G01 F 106,900.00 ZZ 360 106,777.19 1 8.775 842.90 107 8.525 842.90 DOVER PA 17315 1 08/24/01 23 0433240421 05 10/01/01 0 1010018073 O 09/01/31 0 5396909 Q64/G01 F 53,500.00 ZZ 360 53,438.20 1 8.750 420.89 107 8.500 420.89 JENSEN BEACH FL 34957 1 08/14/01 23 0433151511 01 10/01/01 0 0102265402 O 09/01/31 0 5397092 Q64/G01 F 80,000.00 ZZ 360 79,881.01 1 9.500 672.68 100 9.250 672.68 DALLAS TX 75208 1 08/02/01 23 0433189131 05 09/01/01 0 0102242005 O 08/01/31 0 5397735 642/G01 F 101,650.00 ZZ 360 101,544.20 1 9.250 836.25 107 9.000 836.25 FORT LAUDERDALE FL 33311 5 08/23/01 23 0433218039 05 10/01/01 0 07187801 O 09/01/31 0 5397952 B28/G01 F 197,811.00 ZZ 360 197,744.22 1 11.250 1,921.26 103 11.000 1,921.26 WESTMINSTER CO 80031 1 09/04/01 23 0433236296 05 11/01/01 0 1 01000454 O 10/01/31 0 5399471 642/G01 F 105,000.00 ZZ 360 104,906.71 1 10.000 921.45 90 9.750 921.45 ORANGE PARK FL 32065 5 08/27/01 23 0433175387 05 10/01/01 0 08102501 O 09/01/31 0 5399565 M43/G01 F 301,990.00 ZZ 360 301,641.23 1 8.750 2,375.76 107 8.500 2,375.76 SPRINGFIELD VA 22152 1 08/31/01 23 0433203387 05 10/01/01 0 727699265 O 09/01/31 0 5399715 964/G01 F 223,500.00 ZZ 360 223,228.25 1 8.500 1,718.52 104 8.250 1,718.52 SPRINGFIELD OR 97477 1 08/28/01 23 0433172251 05 10/01/01 0 137380 O 09/01/31 0 5399919 J95/G01 F 179,500.00 ZZ 360 179,252.13 1 7.875 1,301.50 105 7.625 1,301.50 BRISTOW VA 20136 1 08/24/01 23 0433195732 09 10/01/01 0 18705244 O 09/01/31 0 5400809 M43/G01 F 188,050.00 ZZ 360 187,903.87 1 10.625 1,737.77 103 10.375 1,737.77 MILWAUKEE WI 53224 5 08/09/01 23 0433129681 05 10/01/01 0 ESJA17423 O 09/01/31 0 1 5402062 U35/G01 F 105,000.00 ZZ 360 104,904.19 1 9.875 911.77 100 9.625 911.77 NORWALK OH 44857 2 08/28/01 23 0433203197 05 10/01/01 0 1MEYERS O 09/01/31 0 5402247 642/G01 F 116,531.00 ZZ 360 116,406.51 1 9.125 948.13 106 8.875 948.13 COLUMBIA MD 21044 1 08/18/01 23 0433113529 05 10/01/01 0 07135001 O 09/01/31 0 5402695 P27/G01 F 210,000.00 ZZ 360 209,808.41 1 9.875 1,823.53 103 9.625 1,823.53 BRADENTON FL 34209 5 07/28/01 23 0433160066 05 10/01/01 0 5192987 O 09/01/31 0 5402837 K15/G01 F 71,500.00 ZZ 180 71,116.41 1 8.875 719.89 107 8.625 719.89 JEANERETTE LA 70544 5 08/27/01 23 0433169679 05 10/01/01 0 00205304325 O 09/01/16 0 5402879 808/G01 F 168,400.00 ZZ 360 168,205.51 1 8.750 1,324.81 103 8.500 1,324.81 MODESTO CA 95350 1 08/28/01 23 0433211042 05 10/01/01 0 9422801 O 09/01/31 0 5404100 700/G01 F 140,700.00 ZZ 360 140,549.68 1 9.125 1,144.78 105 8.875 1,144.78 1 CHICAGO IL 60652 1 08/30/01 23 0433263027 05 10/01/01 0 00260907 O 09/01/31 0 5404749 B57/G01 F 200,000.00 ZZ 360 199,878.84 1 8.500 1,537.83 100 8.250 1,537.83 RESEDA CA 91335 1 09/07/01 23 0433279551 05 11/01/01 0 2116611 O 10/01/31 0 5407407 E22/G01 F 149,000.00 ZZ 360 148,832.32 1 8.875 1,185.51 103 8.375 1,185.51 CAPE CORAL FL 33914 5 08/17/01 23 0412861643 05 10/01/01 0 0412861643 O 09/01/31 0 5407415 E22/G01 F 207,001.00 T 360 206,779.84 1 9.125 1,684.23 100 8.875 1,684.23 LA QUINTA CA 92253 1 08/08/01 23 0412869018 03 10/01/01 0 0412869018 O 09/01/31 0 5407425 E22/G01 F 100,940.00 ZZ 360 100,850.33 1 10.000 885.82 103 9.750 885.82 ABINGDON VA 24210 1 08/22/01 23 0412888703 05 10/01/01 0 0412888703 O 09/01/31 0 5407434 E22/G01 F 256,000.00 ZZ 360 253,975.14 1 8.375 1,945.78 105 7.875 1,945.78 OAKLEY CA 94561 1 08/17/01 23 0412895724 05 10/01/01 0 0412895724 O 09/01/31 0 1 5407444 E22/G01 F 237,500.00 ZZ 360 237,239.57 1 9.000 1,910.98 95 8.750 1,910.98 BAY SHORE NY 11706 1 08/22/01 23 0412906729 05 10/01/01 0 0412906729 O 09/01/31 0 5407447 E22/G01 F 139,050.00 ZZ 360 138,923.14 1 9.875 1,207.44 103 9.375 1,207.44 PEMBROKE PINES FL 33028 5 08/17/01 23 0412910838 09 10/01/01 0 0412910838 O 09/01/31 0 5407455 E22/G01 F 247,000.00 ZZ 360 246,722.04 1 8.875 1,965.24 100 8.625 1,965.24 SALINAS CA 93905 1 08/14/01 23 0412914103 05 10/01/01 0 0412914103 O 09/01/31 0 5407468 E22/G01 F 74,500.00 ZZ 360 74,422.46 1 9.250 612.89 106 9.000 612.89 HUNTSVILLE AL 35803 1 08/21/01 23 0412922890 05 10/01/01 0 0412922890 O 09/01/31 0 5407471 E22/G01 F 98,500.00 ZZ 360 98,412.48 1 10.000 864.41 99 9.750 864.41 GOSHEN OH 45122 1 08/22/01 23 0412924474 05 10/01/01 0 0412924474 O 09/01/31 0 5407480 E22/G01 F 69,000.00 ZZ 360 68,924.34 1 1 9.000 555.19 100 8.500 555.19 EUGENE OR 97402 1 08/13/01 23 0412928392 05 10/01/01 0 0412928392 O 09/01/31 0 5407482 E22/G01 F 82,400.00 ZZ 360 82,307.28 1 8.875 655.61 103 8.375 655.61 CABOT AR 72023 1 08/22/01 23 0412930679 05 10/01/01 0 0412930679 O 09/01/31 0 5407489 E22/G01 F 270,000.00 ZZ 360 269,671.70 1 8.500 2,076.07 100 8.250 2,076.07 ANTIOCH CA 94509 1 08/20/01 23 0412938847 05 10/01/01 0 0412938847 O 09/01/31 0 5407491 E22/G01 F 125,500.00 ZZ 360 125,365.92 1 9.125 1,021.11 100 8.625 1,021.11 BRADENTON FL 34205 1 08/22/01 23 0412943789 05 10/01/01 0 0412943789 O 09/01/31 0 5407818 S20/G01 F 70,040.00 ZZ 360 69,976.08 1 9.875 608.20 103 9.625 608.20 COLUMBIA SC 29203 5 08/28/01 23 0433279155 05 10/01/01 0 0112494 O 09/01/31 0 5408137 642/G01 F 122,055.00 ZZ 360 121,949.42 1 10.125 1,082.41 103 9.875 1,082.41 SOUTHGATE MI 48195 5 08/16/01 23 0433116928 05 10/01/01 0 1 06193401 O 09/01/31 0 5408304 E45/G01 F 119,000.00 ZZ 360 118,871.54 1 11.000 1,133.26 100 10.750 1,133.26 MARIETTA GA 30060 1 08/01/01 23 0433107778 05 09/01/01 0 152171 O 08/01/31 0 5408365 E45/G01 F 35,000.00 ZZ 360 34,939.13 1 8.750 275.35 100 8.500 275.35 DOTHAN AL 36301 1 07/25/01 23 0433190337 05 09/01/01 0 150780 O 08/01/31 0 5408373 N67/G01 F 196,000.00 ZZ 360 195,790.60 1 9.125 1,594.72 100 8.875 1,594.72 FRISCO TX 75034 1 08/17/01 23 0433147063 03 10/01/01 0 1160005118 O 09/01/31 0 5408594 K15/G01 F 291,900.00 ZZ 360 291,579.92 1 9.000 2,348.69 100 8.750 2,348.69 AUBURN NH 03032 1 08/28/01 23 0433195070 05 10/01/01 0 03310005305521 O 09/01/31 0 5409475 K15/G01 F 87,500.00 ZZ 360 87,470.46 1 11.250 849.85 103 11.000 849.85 WINDHAM OH 44288 5 08/30/01 23 0433173697 05 11/01/01 0 00280005303328 O 10/01/31 0 1 5409732 940/G01 F 109,250.00 ZZ 360 109,113.71 1 8.375 830.38 95 8.125 830.38 HESPERIA CA 92345 1 08/16/01 23 0433124468 05 10/01/01 0 65010237 O 09/01/31 0 5409793 J95/G01 F 153,000.00 ZZ 360 152,813.96 1 8.500 1,176.44 102 8.250 1,176.44 INDIANAPOLIS IN 46254 2 08/30/01 23 0433223328 05 10/01/01 0 0027454388 O 09/01/31 0 5409820 642/G01 F 146,260.00 ZZ 360 146,126.55 1 9.875 1,270.05 103 9.625 1,270.05 WOODBURY MN 55125 2 08/27/01 23 0433166931 07 10/01/01 0 08124401 O 09/01/31 0 5410127 642/G01 F 67,410.00 ZZ 360 67,332.16 1 8.750 530.31 107 8.500 530.31 BRANDON FL 33511 1 08/28/01 23 0433165685 09 10/01/01 0 04178601 O 09/01/31 0 5411219 J40/G01 F 74,000.00 ZZ 360 73,958.51 1 8.875 588.78 106 8.625 588.78 SARASOTA FL 34235 1 09/06/01 23 0433285376 05 11/01/01 0 1056450 O 10/01/31 0 5411531 964/G01 F 301,700.00 ZZ 360 301,369.16 1 9.000 2,427.55 103 8.750 2,427.55 1 REDONDO BEACH CA 90278 1 08/27/01 23 0433160595 01 10/01/01 0 142352 O 09/01/31 0 5411617 U62/G01 F 81,000.00 ZZ 360 80,908.85 1 8.875 644.47 99 8.625 644.47 PHILADELPHIA PA 19119 5 08/27/01 23 0433183381 01 10/01/01 0 2001283109 O 09/01/31 0 5411838 J95/G01 F 177,550.00 ZZ 360 177,016.26 1 8.125 1,318.30 107 7.875 1,318.30 SPANAWAY WA 98387 1 08/29/01 23 0433202116 03 10/01/01 0 0027469071 O 09/01/31 0 5413172 E87/G01 F 190,550.00 ZZ 360 190,425.35 1 8.125 1,414.83 103 7.875 1,414.83 BUELLTON CA 93427 1 09/04/01 23 0433189768 01 11/01/01 0 70003706 O 10/01/31 0 5413745 A39/G01 F 138,000.00 ZZ 360 137,918.53 1 8.625 1,073.35 100 8.375 1,073.35 TOLUCA LAKE CA 91602 1 09/06/01 23 0433262664 01 11/01/01 0 2101711RFC O 10/01/31 0 5414002 U59/G01 F 142,500.00 ZZ 360 142,328.61 1 10.500 1,303.51 100 10.250 1,303.51 ROYAL PALM BEAC FL 33411 1 07/30/01 23 0433177797 05 09/01/01 0 800860511 O 08/01/31 0 1 5415412 E22/G01 F 165,000.00 ZZ 360 164,878.53 1 10.875 1,555.77 100 10.375 1,555.77 COLORADO SPRING CO 80918 1 08/23/01 23 0412852378 05 10/01/01 0 0412852378 O 09/01/31 0 5415414 E22/G01 F 46,865.00 ZZ 360 46,830.49 1 10.875 441.89 103 10.625 441.89 MUSKOGEE OK 74403 1 08/20/01 23 0412864399 05 10/01/01 0 0412864399 O 09/01/31 0 5415416 E22/G01 F 257,500.00 ZZ 360 257,217.65 1 9.000 2,071.90 103 8.750 2,071.90 LOS BANOS CA 93635 1 08/02/01 23 0412871170 05 10/01/01 0 0412871170 O 09/01/31 0 5415430 E22/G01 F 165,300.00 ZZ 360 165,136.75 1 9.500 1,389.93 95 9.000 1,389.93 NORTH LAS VEGAS NV 89031 1 08/10/01 23 0412893885 05 10/01/01 0 0412893885 O 09/01/31 0 5415433 E22/G01 F 83,430.00 ZZ 360 83,370.24 1 11.000 794.52 103 10.500 794.52 PAYETTE ID 83661 2 08/15/01 23 0412898348 05 10/01/01 0 0412898348 O 09/01/31 0 5415437 E22/G01 F 266,000.00 ZZ 360 265,715.82 1 1 9.125 2,164.26 95 8.625 2,164.26 SAN LEANDRO CA 94577 1 08/17/01 23 0412899882 05 10/01/01 0 0412899882 O 09/01/31 0 5415438 E22/G01 F 159,650.00 ZZ 360 159,504.34 1 9.875 1,386.32 103 9.625 1,386.32 NEW ORLEANS LA 70131 1 08/23/01 23 0412900417 03 10/01/01 0 0412900417 O 09/01/31 0 5415447 E22/G01 F 140,000.00 T 360 139,850.42 1 9.125 1,139.09 107 8.625 1,139.09 WEST VALLEY CIT UT 84128 1 08/14/01 23 0412914723 05 10/01/01 0 0412914723 O 09/01/31 0 5415458 E22/G01 F 141,000.00 ZZ 360 140,884.38 2 10.375 1,276.62 103 9.875 1,276.62 SEASIDE OR 97138 1 08/14/01 23 0412928129 05 10/01/01 0 0412928129 O 09/01/31 0 5415460 E22/G01 F 87,950.00 ZZ 360 87,860.83 1 9.375 731.52 103 9.125 731.52 MONROE GA 30656 1 08/23/01 23 0412930471 05 10/01/01 0 0412930471 O 09/01/31 0 5415461 E22/G01 F 48,925.00 ZZ 360 48,877.93 1 9.625 415.86 103 9.375 415.86 BUTLER AL 36904 1 08/23/01 23 0412931263 05 10/01/01 0 1 0412931263 O 09/01/31 0 5415466 E22/G01 F 99,900.00 ZZ 360 99,811.25 1 10.000 876.69 100 9.750 876.69 HOUSTON TX 77074 1 08/22/01 23 0412941908 03 10/01/01 0 0412941908 O 09/01/31 0 5415730 W63/G01 F 93,900.00 ZZ 360 93,722.60 1 9.750 806.75 105 9.500 806.75 HOUSTON TX 77064 1 07/27/01 23 0433211430 03 08/27/01 0 8881346056 O 07/27/31 0 5417083 003/G01 F 137,900.00 ZZ 360 137,666.34 1 8.875 1,097.20 100 8.625 1,097.20 ACWORTH GA 30101 1 07/27/01 23 0433171121 03 09/01/01 0 0021489539 O 08/01/31 0 5418851 642/G01 F 72,100.00 ZZ 360 72,028.78 1 9.500 606.26 103 9.250 606.26 LANSING MI 48917 1 08/24/01 23 0433146768 05 10/01/01 0 07158801 O 09/01/31 0 5419038 950/G01 F 122,800.00 ZZ 360 122,642.84 1 8.250 922.56 105 8.000 922.56 KENT WA 98032 1 08/29/01 23 0433262482 05 10/01/01 0 E2108612 O 09/01/31 0 1 5420291 470/G01 F 156,080.00 ZZ 360 155,904.33 1 8.875 1,241.85 104 8.625 1,241.85 YUBA CITY CA 95991 1 08/29/01 23 0433264348 05 10/01/01 0 18023586 O 09/01/31 0 5421615 455/G01 F 216,300.00 ZZ 360 216,030.17 1 8.375 1,644.04 103 8.125 1,644.04 GAITHERSBURG MD 20878 1 08/29/01 23 0433234481 09 10/01/01 0 46000652 O 09/01/31 0 5421832 940/G01 F 154,000.00 ZZ 360 153,797.84 1 8.125 1,143.45 100 7.875 1,143.45 ONTARIO CA 91764 1 08/29/01 23 0433222866 05 10/01/01 0 60010237 O 09/01/31 0 5423298 W96/G01 F 175,800.00 ZZ 360 175,607.22 1 9.000 1,414.53 102 8.750 1,414.53 INDIANAPOLIS IN 46260 5 08/31/01 23 0433237724 05 10/01/01 0 21080067 O 09/01/31 0 5424243 J95/G01 F 304,500.00 ZZ 360 304,139.15 1 8.625 2,368.37 106 8.375 2,368.37 GIG HARBOR WA 98329 1 08/29/01 23 0433191079 05 10/01/01 0 0027417831 O 09/01/31 0 5424746 950/G01 F 237,200.00 ZZ 360 236,933.06 1 8.875 1,887.27 104 8.625 1,887.27 1 EVERETT WA 98208 1 08/27/01 23 0433269644 05 10/01/01 0 E1108007 O 09/01/31 0 5424793 B57/G01 F 124,100.00 ZZ 360 123,949.11 1 8.500 954.22 103 8.250 954.22 CANYON COUNTRY CA 91351 1 08/28/01 23 0433194701 01 10/01/01 0 2140342 O 09/01/31 0 5424797 N67/G01 F 335,000.00 ZZ 360 334,632.65 1 9.000 2,695.49 104 8.750 2,695.49 WESTWOOD NJ 07675 5 08/29/01 23 0433184215 05 10/01/01 0 1380003633 O 09/01/31 0 5425803 253/G01 F 75,245.00 ZZ 360 75,148.69 1 8.250 565.30 101 8.000 565.30 AURORA CO 80014 1 08/31/01 23 0433238821 01 10/01/01 0 973613 O 09/01/31 0 5425819 E60/G01 F 133,750.00 ZZ 360 133,574.43 1 8.125 993.09 107 7.875 993.09 SANTA MARIA CA 93454 1 08/29/01 23 0433239332 09 10/01/01 0 513590 O 09/01/31 0 5426249 G13/G01 F 59,400.00 ZZ 360 59,273.80 1 10.250 532.28 99 10.000 532.28 FORTH WORTH TX 76134 1 08/06/01 23 0433126281 05 09/06/01 0 0080630 O 08/06/31 0 1 5426696 624/G01 F 228,050.00 ZZ 360 227,863.00 1 10.375 2,064.78 99 10.125 2,064.78 SACRAMENTO CA 95834 1 08/27/01 23 0433186848 05 10/01/01 0 85604910053F O 09/01/31 0 5427989 E22/G01 F 235,870.00 ZZ 360 235,070.17 1 9.000 1,897.86 103 8.500 1,897.86 SANTA CLARITA CA 91351 5 08/01/01 23 0412832495 05 10/01/01 0 0412832495 O 09/01/31 0 5427992 E22/G01 F 70,500.00 ZZ 360 70,422.69 1 9.000 567.26 106 8.750 567.26 DEMOPOLIS AL 36732 1 08/24/01 23 0412842767 05 10/01/01 0 0412842767 O 09/01/31 0 5427998 E22/G01 F 70,300.00 ZZ 360 70,198.90 1 9.125 571.98 107 8.625 571.98 LAKE WORTH FL 33462 1 08/24/01 23 0412859795 05 10/01/01 0 0412859795 O 09/01/31 0 5428004 E22/G01 F 119,500.00 ZZ 360 119,368.97 1 9.000 961.52 100 8.750 961.52 ELKHART IN 46516 1 08/24/01 23 0412874471 05 10/01/01 0 0412874471 O 09/01/31 0 5428014 E22/G01 F 63,450.00 ZZ 360 63,382.21 1 1 9.125 516.25 100 8.875 516.25 HAMILTON OH 45011 1 08/20/01 23 0412887499 05 10/01/01 0 0412887499 O 09/01/31 0 5428038 E22/G01 F 119,900.00 ZZ 360 119,814.09 1 11.000 1,141.84 100 10.500 1,141.84 COLLEGE PARK GA 30349 1 08/24/01 23 0412912149 05 10/01/01 0 0412912149 O 09/01/31 0 5428039 E22/G01 F 147,411.00 ZZ 360 147,261.54 1 9.375 1,226.09 99 8.875 1,226.09 EAST WENATCHEE WA 98802 1 08/21/01 23 0412912529 05 10/01/01 0 0412912529 O 09/01/31 0 5428054 E22/G01 F 148,000.00 ZZ 360 147,833.43 1 8.875 1,177.56 104 8.625 1,177.56 BROOKLYN MI 49230 1 08/24/01 23 0412926206 05 10/01/01 0 0412926206 O 09/01/31 0 5428058 E22/G01 F 118,000.00 ZZ 360 117,880.37 1 9.375 981.46 99 8.875 981.46 TAMARAC FL 33319 1 08/24/01 23 0412927485 09 10/01/01 0 0412927485 O 09/01/31 0 5428061 E22/G01 F 120,500.00 ZZ 360 120,415.99 1 11.125 1,158.95 103 10.625 1,158.95 FRONT ROYAL VA 22630 1 08/24/01 23 0412927832 05 10/01/01 0 1 0412927832 O 09/01/31 0 5428070 E22/G01 F 146,590.00 ZZ 360 146,420.72 1 8.750 1,153.22 107 8.250 1,153.22 PLANTATION FL 33324 1 08/24/01 23 0412932865 09 10/01/01 0 0412932865 O 09/01/31 0 5428074 E22/G01 F 85,600.00 ZZ 360 85,503.67 1 8.875 681.07 105 8.625 681.07 MIDWEST CITY OK 73110 1 08/24/01 23 0412935330 05 10/01/01 0 0412935330 O 09/01/31 0 5428078 E22/G01 F 237,220.00 ZZ 360 236,931.56 1 8.500 1,824.02 103 8.000 1,824.02 MESA AZ 85208 1 08/20/01 23 0412936155 03 10/01/01 0 0412936155 O 09/01/31 0 5428090 E22/G01 F 133,400.00 ZZ 360 133,275.03 1 9.750 1,146.11 103 9.500 1,146.11 ST. PAUL MN 55106 1 08/24/01 23 0412953465 05 10/01/01 0 0412953465 O 09/01/31 0 5428095 E22/G01 F 55,640.00 ZZ 360 55,577.37 1 8.875 442.70 107 8.625 442.70 NEW ORLEANS LA 70119 1 08/24/01 23 0412959116 05 10/01/01 0 0412959116 O 09/01/31 0 1 5428097 E22/G01 F 184,000.00 ZZ 360 183,792.92 1 8.875 1,463.99 104 8.625 1,463.99 LIBERTYVILLE IL 60048 1 08/24/01 23 0412963753 05 10/01/01 0 0412963753 O 09/01/31 0 5428103 E22/G01 F 101,950.00 ZZ 360 101,872.90 1 10.750 951.68 103 10.250 951.68 GRAND JUNCTION CO 81504 1 08/24/01 23 0412980120 05 10/01/01 0 0412980120 O 09/01/31 0 5428238 588/G01 F 230,050.00 ZZ 360 229,784.33 1 8.750 1,809.80 107 8.500 1,809.80 GERMANTOWN MD 20874 1 08/30/01 23 0433283199 09 10/01/01 0 1047553 O 09/01/31 0 5428724 700/G01 F 73,723.00 ZZ 360 73,640.04 1 8.875 586.57 107 8.625 586.57 ROCKFORD IL 61107 1 08/31/01 23 0433258761 05 10/01/01 0 00261528 O 09/01/31 0 5428864 U28/G01 F 118,900.00 ZZ 360 118,766.19 1 8.875 946.02 100 8.625 946.02 CONCORD GA 30206 1 08/30/01 23 0433235272 05 10/01/01 0 1 O 09/01/31 0 5430131 737/G01 F 144,900.00 ZZ 360 144,770.99 1 9.990 1,270.53 100 9.740 1,270.53 1 THORNTON CO 80229 1 08/10/01 23 0433195203 03 10/01/01 0 0001784776 O 09/01/31 0 5430429 F34/G01 F 225,000.00 ZZ 360 224,746.79 1 8.875 1,790.20 100 8.625 1,790.20 LOS BANOS CA 93635 1 08/31/01 23 0433276383 05 10/01/01 0 30108011 O 09/01/31 0 5431049 U35/G01 F 176,225.00 ZZ 360 176,031.76 2 9.000 1,417.95 95 8.750 1,417.95 APPLETON WI 54914 1 08/31/01 23 0433203361 05 10/01/01 0 1255 O 09/01/31 0 5431356 N67/G01 F 136,500.00 ZZ 360 136,346.38 1 8.875 1,086.06 99 8.625 1,086.06 AUSTIN TX 78748 1 09/04/01 23 0433206893 05 10/01/01 0 1160005075 O 09/01/31 0 5432337 J95/G01 F 190,500.00 ZZ 360 190,266.96 1 8.875 1,515.71 103 8.625 1,515.71 GLENDALE AZ 85306 1 08/29/01 23 0433174869 05 10/01/01 0 0027438977 O 09/01/31 0 5433140 K15/G01 F 81,300.00 ZZ 360 81,181.79 1 9.875 705.97 103 9.625 705.97 ROCK HILL SC 29730 1 08/30/01 23 0433182276 05 10/01/01 0 002305303791 O 09/01/31 0 1 5434080 J95/G01 F 126,700.00 ZZ 360 126,639.30 1 9.625 1,076.94 103 9.375 1,076.94 LAPEER MI 48446 5 09/07/01 23 0433259660 05 11/01/01 0 0027413533 O 10/01/31 0 5434414 147/G01 F 380,750.00 ZZ 360 380,332.48 1 9.000 3,063.61 103 8.750 3,063.61 MURFREESBORO TN 37129 5 08/30/01 23 0433190907 05 10/01/01 0 9999999999 O 09/01/31 0 5434954 477/G01 F 145,000.00 ZZ 360 144,909.88 1 8.375 1,102.10 100 8.125 1,102.10 MESA AZ 85202 1 09/04/01 23 0433223419 05 11/01/01 0 115782 O 10/01/31 0 5435270 147/G01 F 179,529.00 ZZ 360 179,326.95 1 8.875 1,428.42 103 8.625 1,428.42 MEADVILLE PA 16335 1 08/30/01 23 0433259454 05 10/01/01 0 1 O 09/01/31 0 5435913 737/G01 F 130,000.00 ZZ 360 129,857.45 1 9.000 1,046.01 100 8.750 1,046.01 CHANDLER AZ 85224 1 08/30/01 23 0433247624 05 10/01/01 0 2036094 O 09/01/31 0 5436370 J95/G01 F 70,000.00 ZZ 360 69,936.12 1 1 9.875 607.85 103 9.625 607.85 PROSSER WA 99350 1 08/30/01 23 0433199841 05 10/01/01 0 0027349646 O 09/01/31 0 5436439 K15/G01 F 75,000.00 ZZ 360 74,946.27 1 11.000 714.24 99 10.750 714.24 EAST MOLINE IL 61244 5 08/27/01 23 0433182177 05 10/01/01 0 029405303382 O 09/01/31 0 5436484 U05/G01 F 181,000.00 ZZ 360 180,779.93 1 8.500 1,391.73 100 8.250 1,391.73 NEW RIVER AZ 85087 1 08/28/01 23 0433191004 05 10/01/01 0 3162649 O 09/01/31 0 5437428 Q78/G01 F 141,133.00 ZZ 360 140,977.90 1 8.990 1,134.58 107 8.740 1,134.58 EAST ALTON IL 62024 1 08/16/01 23 0433228178 05 10/01/01 0 691679 O 09/01/31 0 5437713 561/G01 F 118,000.00 ZZ 360 117,867.19 1 8.875 938.87 106 8.625 938.87 ANNAPOLIS MD 21403 5 08/16/01 23 0433149002 01 10/01/01 0 18674382 O 09/01/31 0 5438331 U62/G01 F 113,500.00 ZZ 360 113,423.85 1 8.000 832.82 106 7.750 832.82 CLAYTON NC 27520 2 09/20/01 23 0433231107 05 11/01/01 0 1 2001289715 O 10/01/31 0 5439065 E22/G01 F 203,800.00 ZZ 360 203,454.68 1 8.875 1,621.52 104 8.625 1,621.52 MACOMB TOWNSHIP MI 48044 1 07/31/01 23 0412861692 05 09/01/01 0 0412861692 O 08/01/31 0 5439078 E22/G01 F 171,200.00 ZZ 360 170,986.44 1 8.375 1,301.24 107 7.875 1,301.24 LAS VEGAS NV 89110 1 08/21/01 23 0412881088 05 10/01/01 0 0412881088 O 09/01/31 0 5439086 E22/G01 F 71,500.00 ZZ 360 71,425.59 1 9.250 588.21 105 8.750 588.21 KENNEWICK WA 99336 1 08/15/01 23 0412889982 05 10/01/01 0 0412889982 O 09/01/31 0 5439088 E22/G01 F 198,485.00 ZZ 360 198,267.34 1 9.000 1,597.06 107 8.750 1,597.06 BOZEMAN MT 59715 1 08/24/01 23 0412892234 05 10/01/01 0 0412892234 O 09/01/31 0 5439092 E22/G01 F 109,100.00 ZZ 360 109,004.83 2 10.875 1,028.69 103 10.375 1,028.69 PROVIDENCE RI 02908 5 08/22/01 23 0412896292 05 10/01/01 0 0412896292 O 09/01/31 0 1 5439121 E22/G01 F 269,860.00 ZZ 360 269,613.77 1 9.875 2,343.33 103 9.625 2,343.33 RANDOLPH MA 02368 5 08/21/01 23 0412920043 05 10/01/01 0 0412920043 O 09/01/31 0 5439125 E22/G01 F 107,000.00 ZZ 360 106,883.61 1 9.250 880.26 107 9.000 880.26 CARTERVILLE IL 62918 1 08/27/01 23 0412921728 05 10/01/01 0 0412921728 O 09/01/31 0 5439133 E22/G01 F 240,000.00 ZZ 360 239,708.83 1 9.125 1,952.72 100 8.875 1,952.72 SACRAMENTO CA 95828 1 08/14/01 23 0412926263 05 10/01/01 0 0412926263 O 09/01/31 0 5439153 E22/G01 F 61,697.00 ZZ 360 61,631.07 1 9.125 501.99 103 8.875 501.99 GRANBURY TX 76048 1 08/23/01 23 0412935496 05 10/01/01 0 0412935496 O 09/01/31 0 5439172 E22/G01 F 119,350.00 ZZ 360 119,273.36 1 11.500 1,181.91 103 11.000 1,181.91 ALABASTER AL 35007 1 08/24/01 23 0412950362 05 10/01/01 0 0412950362 O 09/01/31 0 5439173 E22/G01 F 109,675.00 ZZ 360 109,463.71 1 8.875 872.62 107 8.375 872.62 1 MIAMI FL 33015 1 08/27/01 23 0412951600 09 10/01/01 0 0412951600 O 09/01/31 0 5439190 E22/G01 F 129,200.00 ZZ 360 129,042.90 1 8.500 993.44 95 8.000 993.44 TWIN FALLS ID 83301 1 08/22/01 23 0412973976 05 10/01/01 0 0412973976 O 09/01/31 0 5439713 642/G01 F 150,000.00 ZZ 360 149,835.53 1 9.000 1,206.93 100 8.750 1,206.93 HOUSTON TX 77008 1 08/27/01 23 0433128386 05 10/01/01 0 08157601 O 09/01/31 0 5440371 N74/G01 F 133,900.00 ZZ 360 133,811.62 1 11.375 1,313.24 103 11.125 1,313.24 HARPERS FERRY WV 25425 1 08/31/01 23 0433281250 05 10/01/01 0 1 O 09/01/31 0 5440989 J95/G01 F 132,600.00 ZZ 360 132,421.47 1 8.000 972.97 100 7.750 972.97 PEORIA AZ 85383 1 08/31/01 23 0433253127 03 10/01/01 0 0023460702 O 09/01/31 0 5441659 W33/G01 F 77,040.00 ZZ 360 76,902.57 1 8.625 599.21 107 8.375 599.21 SELLERSBURG IN 47172 1 08/31/01 23 0433228277 05 09/30/01 0 0126765 O 08/30/31 0 1 5441805 P57/G01 F 144,200.00 ZZ 360 144,057.56 1 9.500 1,212.52 103 9.250 1,212.52 FREDERICKTOWN OH 43019 5 08/31/01 23 0433219300 05 10/06/01 0 9911957 O 09/06/31 0 5442555 N67/G01 F 55,000.00 ZZ 360 54,969.17 1 8.875 437.60 100 8.625 437.60 PHOENIX AZ 85033 1 09/21/01 23 0433275799 09 11/01/01 0 1780008112 O 10/01/31 0 5443052 U35/G01 F 54,862.00 ZZ 360 54,796.99 1 8.625 426.71 95 8.375 426.71 FRESNO CA 93705 1 08/31/01 23 0433172004 05 10/01/01 0 1 N 09/01/31 0 5443134 J95/G01 F 292,500.00 ZZ 360 292,135.13 1 8.375 2,223.21 100 8.125 2,223.21 PORTLAND OR 97219 1 08/30/01 23 0433187051 05 10/01/01 0 27448596 O 09/01/31 0 5444459 Q78/G01 F 129,780.00 ZZ 360 129,606.30 1 10.000 1,138.92 103 9.750 1,138.92 WICHITA KS 67226 1 07/25/01 23 0433125515 05 09/01/01 0 688776 O 08/01/31 0 5444557 588/G01 F 181,000.00 ZZ 360 180,895.86 1 1 8.750 1,423.93 104 8.500 1,423.93 TOWNSHIP OF BER NJ 07920 1 09/07/01 23 0433233996 01 11/01/01 0 1048197 O 10/01/31 0 5445640 E84/G01 F 151,500.00 ZZ 360 151,333.88 1 9.000 1,219.00 100 8.750 1,219.00 AURORA CO 80017 1 08/31/01 23 0433239662 01 10/01/01 0 32801041 O 09/01/31 0 5446091 950/G01 F 205,800.00 ZZ 360 205,596.74 1 9.500 1,730.48 103 9.250 1,730.48 MIDDLETOWN MD 21769 1 09/05/01 23 0433277431 05 10/01/01 0 E4108033 O 09/01/31 0 5446514 E84/G01 F 253,000.00 ZZ 360 252,715.29 1 8.875 2,012.98 100 8.625 2,012.98 AURORA CO 80014 1 09/04/01 23 0433259629 05 10/01/01 0 32801120 O 09/01/31 0 5446697 664/G01 F 107,120.00 ZZ 360 107,078.56 1 10.625 989.90 103 10.375 989.90 ROCKTON IL 61072 1 09/10/01 23 0433270063 05 11/01/01 0 0008315467 O 10/01/31 0 5448015 W09/G01 F 148,320.00 ZZ 180 148,121.11 1 10.000 1,301.62 101 9.750 1,301.62 DAYTON OH 45415 2 08/24/01 23 0433254208 05 09/29/01 0 1 20016918 O 08/29/16 0 5448169 948/G01 F 83,600.00 ZZ 360 83,515.24 1 9.375 695.35 95 9.125 695.35 SAINT LOUIS MO 63138 1 08/31/01 23 0433217833 05 10/01/01 0 62564 N 09/01/31 0 5448400 964/G01 F 127,975.00 ZZ 360 127,905.09 1 9.000 1,029.72 100 8.750 1,029.72 LAS VEGAS NV 89123 1 09/04/01 23 0433209558 03 11/01/01 0 144576 O 10/01/31 0 5448500 U05/G01 F 96,000.00 ZZ 360 95,900.08 1 9.250 789.77 100 9.000 789.77 SCOTTSDALE AZ 85250 1 08/30/01 23 0433200300 01 10/01/01 0 3163893 O 09/01/31 0 5448688 U05/G01 F 133,000.00 ZZ 360 132,846.40 1 8.750 1,046.31 105 8.500 1,046.31 BLOOMINGTON IN 47404 1 08/31/01 23 0433189354 05 10/01/01 0 3164021 O 09/01/31 0 5448825 J95/G01 F 223,000.00 ZZ 360 222,868.33 1 8.625 1,734.48 104 8.375 1,734.48 CLACKAMAS OR 97015 1 09/06/01 23 0433209640 05 11/01/01 0 0027489426 O 10/01/31 0 1 5450506 E22/G01 F 46,350.00 ZZ 360 46,325.48 1 12.375 490.18 103 11.875 490.18 SCRANTON PA 18505 1 08/28/01 23 0412806119 05 10/01/01 0 0412806119 O 09/01/31 0 5450567 E22/G01 F 260,900.00 ZZ 360 260,590.83 1 8.625 2,029.25 106 8.125 2,029.25 SAN PABLO CA 94806 1 08/17/01 23 0412925588 05 10/01/01 0 0412925588 O 09/01/31 0 5450573 E22/G01 F 164,900.00 ZZ 360 164,714.42 1 8.875 1,312.02 100 8.375 1,312.02 GRESHAM OR 97030 1 08/22/01 23 0412928582 05 10/01/01 0 0412928582 O 09/01/31 0 5450577 E22/G01 F 109,100.00 ZZ 360 109,025.98 1 11.250 1,059.65 90 10.750 1,059.65 BLOOMINGTON IL 61704 1 08/28/01 23 0412929259 05 10/01/01 0 0412929259 O 09/01/31 0 5450581 E22/G01 F 157,000.00 ZZ 360 156,844.95 1 9.500 1,320.14 103 9.250 1,320.14 CORDOVA TN 38018 1 08/27/01 23 0412932212 05 10/01/01 0 0412932212 O 09/01/31 0 5450582 E22/G01 F 190,550.00 ZZ 360 190,405.88 1 10.750 1,778.75 97 10.250 1,778.75 1 MERIDIAN MS 39301 1 08/28/01 23 0412932618 05 10/01/01 0 0412932618 O 09/01/31 0 5450589 E22/G01 F 84,150.00 ZZ 360 84,052.81 1 8.750 662.01 100 8.250 662.01 SANGER CA 93657 1 08/17/01 23 0412939464 05 10/01/01 0 0412939464 O 09/01/31 0 5450597 E22/G01 F 85,800.00 ZZ 360 85,695.67 1 8.500 659.73 102 8.250 659.73 HARRODSBURG KY 40330 1 08/28/01 23 0412948416 05 10/01/01 0 0412948416 O 09/01/31 0 5450604 E22/G01 F 74,220.00 ZZ 360 74,109.49 1 7.500 518.96 101 7.000 518.96 HOT SPRINGS AR 71913 9 08/23/01 23 0412953309 05 10/01/01 0 0412953309 O 09/01/31 0 5450609 E22/G01 F 187,250.00 ZZ 360 187,033.75 1 8.750 1,473.10 107 8.500 1,473.10 LAKEWOOD CO 80232 1 08/28/01 23 0412959033 05 10/01/01 0 0412959033 O 09/01/31 0 5450614 E22/G01 F 143,170.00 ZZ 360 143,032.27 1 9.625 1,216.93 103 9.375 1,216.93 OKLAHOMA CITY OK 73003 1 08/28/01 23 0412968018 03 10/01/01 0 0412968018 O 09/01/31 0 1 5451669 R65/G01 F 73,200.00 ZZ 360 73,113.01 1 8.625 569.34 104 8.375 569.34 MONROEVILLE IN 46773 1 08/31/01 23 0433193836 05 10/01/01 0 MWLLC1220 O 09/01/31 0 5451836 664/G01 F 100,950.00 ZZ 360 100,830.37 1 8.625 785.18 95 8.375 785.18 TACOMA WA 98406 1 08/23/01 23 0433257060 05 10/01/01 0 0008274334 N 09/01/31 0 5453091 J95/G01 F 131,325.00 ZZ 360 131,243.37 1 8.375 998.17 103 8.125 998.17 BEND OR 97702 1 09/04/01 23 0433234853 05 11/01/01 0 0027501097 O 10/01/31 0 5453166 665/G01 F 93,000.00 ZZ 360 92,877.93 1 8.125 690.52 106 7.875 690.52 BROKEN ARROW OK 74102 1 08/31/01 23 0433190857 05 10/01/01 0 88102416 O 09/01/31 0 5454736 U66/G01 F 82,650.00 ZZ 360 82,604.86 1 9.000 665.02 95 8.750 665.02 HOUSTON TX 77035 1 09/05/01 23 0433234820 05 11/01/01 0 260 O 10/01/31 0 5454856 R54/G01 F 103,255.00 ZZ 360 103,144.68 1 1 9.125 840.12 107 8.875 840.12 LITTLE ROCK AR 72205 5 08/31/01 23 0433244100 05 10/01/01 0 1002384 O 09/01/31 0 5455576 964/G01 F 179,200.00 ZZ 360 179,023.02 1 9.500 1,506.81 103 9.250 1,506.81 TUALATIN OR 97062 5 08/30/01 23 0433195435 05 10/01/01 0 143534 O 09/01/31 0 5456366 N67/G01 F 87,000.00 ZZ 360 86,951.23 1 8.875 692.21 100 8.625 692.21 LAGRANGE OH 44050 1 09/20/01 23 0433279874 05 11/01/01 0 3250006979 O 10/01/31 0 5459384 E22/G01 F 188,320.00 ZZ 360 188,072.79 1 8.125 1,398.27 107 7.875 1,398.27 PALM HARBOR FL 34684 9 08/24/01 23 0412843369 05 10/01/01 0 0412843369 O 09/01/31 0 5459388 E22/G01 F 237,500.00 ZZ 360 237,259.20 1 9.375 1,975.40 100 9.125 1,975.40 SKOKIE IL 60077 1 08/29/01 23 0412850752 05 10/01/01 0 0412850752 O 09/01/31 0 5459398 E22/G01 F 34,247.00 ZZ 360 34,211.36 1 9.250 281.74 95 9.000 281.74 MOBILE AL 36606 1 08/29/01 23 0412871386 05 10/01/01 0 1 0412871386 N 09/01/31 0 5459400 E22/G01 F 158,620.00 ZZ 360 158,459.17 1 9.375 1,319.32 103 9.125 1,319.32 RANCHO CORDOVA CA 95670 1 08/21/01 23 0412872087 05 10/01/01 0 0412872087 O 09/01/31 0 5459404 E22/G01 F 232,650.00 ZZ 360 232,504.64 1 11.625 2,326.13 99 11.125 2,326.13 GRAND RAPIDS MI 49512 1 08/29/01 23 0412880015 05 10/01/01 0 0412880015 O 09/01/31 0 5459415 E22/G01 F 126,000.00 ZZ 360 125,865.39 1 9.125 1,025.18 99 8.625 1,025.18 VANCOUVER WA 98684 1 08/23/01 23 0412895153 05 10/01/01 0 0412895153 O 09/01/31 0 5459422 E22/G01 F 88,500.00 ZZ 360 88,450.49 1 12.125 918.85 103 11.625 918.85 LOUISVILLE KY 40217 1 08/29/01 23 0412902728 05 10/01/01 0 0412902728 O 09/01/31 0 5459425 E22/G01 F 338,000.00 ZZ 360 337,638.89 1 9.125 2,750.08 107 8.875 2,750.08 SAN DIEGO CA 92130 1 08/13/01 23 0412907131 01 10/01/01 0 0412907131 O 09/01/31 0 1 5459427 E22/G01 F 224,000.00 ZZ 360 223,396.97 1 8.500 1,722.37 107 8.000 1,722.37 FOLSOM CA 95630 1 08/16/01 23 0412911059 05 10/01/01 0 0412911059 O 09/01/31 0 5459467 E22/G01 F 58,900.00 ZZ 360 58,835.42 1 9.000 473.92 88 8.750 473.92 ELKHART IN 46516 1 08/29/01 23 0412937856 05 10/01/01 0 0412937856 N 09/01/31 0 5459487 E22/G01 F 278,000.00 ZZ 360 277,670.56 1 8.625 2,162.26 100 8.125 2,162.26 HAYWARD CA 94541 1 08/24/01 23 0412946097 05 10/01/01 0 0412946097 O 09/01/31 0 5459510 E22/G01 F 148,900.00 ZZ 360 148,752.94 2 9.500 1,252.03 99 9.250 1,252.03 REYNOLDSBURG OH 43068 1 08/29/01 23 0412963829 05 10/01/01 0 0412963829 O 09/01/31 0 5459514 E22/G01 F 176,130.00 ZZ 360 175,857.30 1 8.750 1,385.62 101 8.500 1,385.62 KENNER LA 70065 1 08/29/01 23 0412968935 05 10/01/01 0 0412968935 O 09/01/31 0 5459522 E22/G01 F 189,650.00 ZZ 360 189,436.57 1 8.875 1,508.94 95 8.625 1,508.94 1 NARRAGANSETT RI 02882 1 08/30/01 23 0412975427 05 10/01/01 0 0412975427 N 09/01/31 0 5461165 E82/G01 F 127,700.00 ZZ 360 127,532.37 1 8.125 948.17 102 7.875 948.17 EDEN PRAIRIE MN 55347 1 08/29/01 23 0400479705 01 10/01/01 0 0400479705 O 09/01/31 0 5464625 K15/G01 F 167,700.00 ZZ 360 167,603.51 1 8.750 1,319.30 107 8.500 1,319.30 GRAND RAPIDS MI 49508 5 09/05/01 23 0433194008 05 11/01/01 0 003590005304097 O 10/01/31 0 5466565 U05/G01 F 68,400.00 ZZ 360 68,362.64 1 9.000 550.36 95 8.750 550.36 IRVING TX 75061 1 09/14/01 10 0433245859 05 11/01/01 25 3163477 N 10/01/31 0 5467618 N67/G01 F 129,950.00 ZZ 360 129,873.28 1 8.625 1,010.74 100 8.375 1,010.74 PHOENIX AZ 85022 1 09/25/01 23 0433263621 03 11/01/01 0 1780008081 O 10/01/31 0 5467954 B28/G01 F 123,050.00 ZZ 360 122,975.45 1 8.500 946.15 107 8.250 946.15 WEST CHICAGO IL 60185 1 09/07/01 23 0433210648 05 11/01/01 0 0107200023 O 10/01/31 0 1 5468027 K15/G01 F 138,500.00 ZZ 360 138,441.92 1 10.250 1,241.10 99 10.000 1,241.10 WATERTOWN MN 55388 1 09/07/01 23 0433191384 05 11/01/01 0 001310005305122 O 10/01/31 0 5468372 K15/G01 F 283,500.00 ZZ 360 283,304.90 1 7.875 2,055.57 107 7.625 2,055.57 BROOKLYN NY 11229 1 09/26/01 23 0433285988 07 11/01/01 0 005005301464 O 10/01/31 0 5469172 J95/G01 F 142,500.00 ZZ 360 142,401.93 1 7.875 1,033.23 100 7.625 1,033.23 PORTLAND OR 97230 1 09/20/01 23 0433224961 05 11/01/01 0 0027532829 O 10/01/31 0 5469351 685/G01 F 215,250.00 ZZ 360 215,119.60 1 8.500 1,655.09 103 8.250 1,655.09 LOS ANGELES CA 91606 1 09/06/01 23 0433226628 05 11/01/01 0 126777 O 10/01/31 0 5471297 E22/G01 F 79,900.00 ZZ 360 79,802.86 1 8.500 614.36 100 8.000 614.36 HOUSTON TX 77009 1 08/30/01 23 0412854549 05 10/01/01 0 0412854549 O 09/01/31 0 5471311 E22/G01 F 221,000.00 ZZ 360 220,751.28 1 1 8.875 1,758.38 98 8.625 1,758.38 PALM CITY FL 34990 1 08/30/01 23 0412883753 03 10/01/01 0 0412883753 O 09/01/31 0 5471314 E22/G01 F 149,800.00 ZZ 360 149,635.75 1 9.000 1,205.32 107 8.500 1,205.32 SEMINOLE FL 33772 1 08/27/01 23 0412893141 05 10/01/01 0 0412893141 O 09/01/31 0 5471316 E22/G01 F 156,560.00 ZZ 360 156,417.15 1 9.875 1,359.49 100 9.375 1,359.49 HOLLYWOOD FL 33020 1 08/30/01 23 0412898066 05 10/01/01 0 0412898066 O 09/01/31 0 5471320 E22/G01 F 184,370.00 ZZ 360 184,145.81 1 8.500 1,417.65 103 8.250 1,417.65 STANWOOD WA 98292 1 08/27/01 23 0412901233 05 10/01/01 0 0412901233 O 09/01/31 0 5471322 E22/G01 F 134,500.00 ZZ 360 134,363.63 1 9.375 1,118.70 100 9.125 1,118.70 ASHEVILLE NC 28805 1 08/30/01 23 0412903585 05 10/01/01 0 0412903585 O 09/01/31 0 5471329 E22/G01 F 52,450.00 ZZ 360 52,411.38 1 10.875 494.55 99 10.625 494.55 NASHVILLE TN 37211 1 08/29/01 23 0412917106 01 10/01/01 0 1 0412917106 O 09/01/31 0 5471331 E22/G01 F 256,550.00 ZZ 360 256,229.96 1 8.375 1,949.97 107 8.125 1,949.97 FOLSOM CA 95630 1 08/23/01 23 0412918906 05 10/01/01 0 0412918906 O 09/01/31 0 5471335 E22/G01 F 131,000.00 ZZ 360 130,852.58 1 8.875 1,042.29 101 8.625 1,042.29 PINELLAS PARK FL 33782 1 08/30/01 23 0412923690 05 10/01/01 0 0412923690 O 09/01/31 0 5471338 E22/G01 F 52,430.00 ZZ 360 52,375.43 1 9.250 431.33 107 8.750 431.33 COCOA FL 32926 1 08/30/01 23 0412925760 05 10/01/01 0 0412925760 O 09/01/31 0 5471345 E22/G01 F 75,500.00 ZZ 360 75,415.04 2 8.875 600.71 95 8.625 600.71 HARVEST AL 35749 1 08/30/01 23 0412929556 05 10/01/01 0 0412929556 N 09/01/31 0 5471347 E22/G01 F 182,500.00 ZZ 360 182,299.87 1 9.000 1,468.44 100 8.750 1,468.44 LOMBARD IL 60148 1 08/30/01 23 0412930539 05 10/01/01 0 0412930539 O 09/01/31 0 1 5471352 E22/G01 F 105,260.00 T 360 105,138.44 1 8.750 828.08 99 8.250 828.08 DESTIN FL 32550 1 08/28/01 23 0413938367 01 10/01/01 0 0412938367 O 09/01/31 0 5471364 E22/G01 F 60,610.00 ZZ 360 60,545.25 1 9.125 493.14 95 8.625 493.14 POCATELLO ID 83201 1 08/23/01 23 0412944522 05 10/01/01 0 0412944522 O 09/01/31 0 5471365 E22/G01 F 249,500.00 ZZ 360 249,204.32 1 8.625 1,940.59 105 8.125 1,940.59 VALLEJO CA 94591 1 08/27/01 23 0412945776 05 10/01/01 0 0412945776 O 09/01/31 0 5471369 E22/G01 F 180,250.00 ZZ 360 180,007.31 1 8.000 1,322.61 103 7.500 1,322.61 SUN VALLEY CA 91352 1 08/23/01 23 0412947889 05 10/01/01 0 0412947889 O 09/01/31 0 5471379 E22/G01 F 274,900.00 ZZ 360 274,582.53 1 8.750 2,162.64 100 8.500 2,162.64 ORANGE CA 92868 1 08/27/01 23 0412962219 05 10/01/01 0 0412962219 O 09/01/31 0 5471381 E22/G01 F 179,000.00 ZZ 360 178,793.29 1 8.750 1,408.19 106 8.250 1,408.19 1 MONTEBELLO CA 90640 1 08/24/01 23 0412963225 05 10/01/01 0 0412963225 O 09/01/31 0 5471383 E22/G01 F 72,048.00 ZZ 360 71,868.98 1 8.500 553.99 103 8.250 553.99 LUBBOCK TX 79423 1 08/30/01 23 0412963894 05 10/01/01 0 0412963894 O 09/01/31 0 5471385 E22/G01 F 156,450.00 ZZ 360 156,269.32 1 8.750 1,230.79 105 8.500 1,230.79 LIVONIA MI 48152 1 08/30/01 23 0412965527 01 10/01/01 0 0412965527 O 09/01/31 0 5471392 E22/G01 F 260,950.00 ZZ 360 260,640.77 1 8.625 2,029.64 107 8.125 2,029.64 MURIETTA CA 92564 1 08/28/01 23 0412972754 05 10/01/01 0 0412972754 O 09/01/31 0 5471394 E22/G01 F 196,100.00 ZZ 360 195,867.61 1 8.625 1,525.25 103 8.375 1,525.25 NORTH BEND WA 98045 1 08/27/01 23 0412976136 03 10/01/01 0 0412976136 O 09/01/31 0 5471400 E22/G01 F 127,950.00 ZZ 360 127,806.01 1 8.875 1,018.03 100 8.625 1,018.03 CORINTH TX 76210 1 08/30/01 23 0412984304 05 10/01/01 0 0412984304 O 09/01/31 0 1 5471439 E82/G01 F 139,600.00 ZZ 360 139,438.79 1 8.750 1,098.23 101 8.500 1,098.23 EDEN PRAIRIE MN 55344 1 08/31/01 23 0400456265 09 10/01/01 0 0400456265 O 09/01/31 0 5472851 737/G01 F 179,550.00 ZZ 360 179,372.68 1 9.500 1,509.75 95 9.250 1,509.75 PACOIMA CA 91331 1 08/13/01 23 0433154523 05 10/01/01 0 1785468 O 09/01/31 0 5472852 737/G01 F 127,330.00 ZZ 360 127,076.55 1 9.250 1,047.51 107 9.000 1,047.51 LAKE ELSINORE CA 92530 5 08/22/01 23 0433118098 05 10/01/01 0 1787597 O 09/01/31 0 5474080 737/G01 F 83,600.00 ZZ 360 83,551.90 1 8.750 657.68 95 8.500 657.68 GLENDALE AZ 85301 1 09/18/01 23 0433263589 05 11/01/01 0 2033941 O 10/01/31 0 5474684 K15/G01 F 73,100.00 ZZ 360 73,066.79 1 9.875 634.76 103 9.625 634.76 HENDERSONVILLE NC 28792 1 09/07/01 23 0433261351 05 11/01/01 0 017505300921 O 10/01/31 0 5474791 U05/G01 F 100,000.00 ZZ 360 99,937.85 1 1 8.375 760.07 100 8.125 760.07 CASTLE HILLS TX 78213 1 09/07/01 23 0433209301 05 11/01/01 0 3165554 O 10/01/31 0 5475397 P48/G01 F 60,000.00 ZZ 360 59,976.79 1 10.625 554.46 100 10.375 554.46 MILWAUKEE WI 53209 1 09/07/01 23 0433223203 05 11/01/01 0 5475397 O 10/01/31 0 5476119 M43/G01 F 266,640.00 ZZ 360 266,465.57 1 8.125 1,979.80 105 7.875 1,979.80 ALEXANDRIA VA 22306 1 09/07/01 23 0433210598 05 11/01/01 0 724290786 O 10/01/31 0 5476439 642/G01 F 262,150.00 ZZ 360 261,995.22 1 8.625 2,038.98 107 8.375 2,038.98 WEST SACRAMENTO CA 95691 1 09/10/01 23 0433190667 05 11/01/01 0 08132401 O 10/01/31 0 5476515 964/G01 F 194,606.00 ZZ 360 194,491.10 1 8.625 1,513.63 107 8.375 1,513.63 FORESTHILL CA 95631 1 09/07/01 23 0433209459 05 11/01/01 0 138427 O 10/01/31 0 5479033 642/G01 F 123,600.00 ZZ 360 123,484.21 1 9.750 1,061.91 103 9.500 1,061.91 NEW CASTLE DE 19720 1 08/28/01 23 0433166923 05 10/01/01 0 1 07190101 O 09/01/31 0 5479151 642/G01 F 176,000.00 ZZ 360 175,851.75 1 10.250 1,577.14 100 10.000 1,577.14 INGLEWOOD CA 90305 1 08/15/01 23 0433200557 05 10/01/01 0 07175301 O 09/01/31 0 5479686 U05/G01 F 130,000.00 ZZ 360 129,927.12 1 8.875 1,034.34 107 8.625 1,034.34 LAUREL MD 20707 1 09/14/01 23 0433200110 09 11/01/01 0 3165128 O 10/01/31 0 5480440 664/G01 F 137,750.00 ZZ 360 137,674.76 1 9.000 1,108.37 95 8.750 1,108.37 ST. LOUIS MO 63139 1 09/19/01 23 0433277050 05 11/01/01 0 0008344202 N 10/01/31 0 5480509 664/G01 F 66,800.00 ZZ 360 66,724.80 1 8.875 531.50 103 8.625 531.50 DAVENPORT IA 52806 1 09/06/01 23 0433215704 05 10/01/01 0 0008336828 O 09/01/31 0 5480912 808/G01 F 141,200.00 ZZ 360 141,112.24 1 8.375 1,073.23 104 8.125 1,073.23 BELLINGHAM WA 98225 1 09/05/01 23 0433233327 05 11/01/01 0 9503423 O 10/01/31 0 1 5482251 J95/G01 F 149,800.00 ZZ 360 149,702.00 1 8.125 1,112.27 107 7.875 1,112.27 PUYALLUP WA 98375 1 09/14/01 23 0433223831 05 11/01/01 0 0027214451 O 10/01/31 0 5483343 E22/G01 F 80,000.00 ZZ 360 78,414.98 2 9.375 665.40 100 9.125 665.40 WOODBURY NJ 08096 1 08/31/01 23 0412793184 05 10/01/01 0 0412793184 O 09/01/31 0 5483347 E22/G01 F 118,450.00 ZZ 360 118,316.71 1 8.875 942.44 100 8.625 942.44 PERTH AMBOY NJ 08861 1 08/31/01 23 0412817256 05 10/01/01 0 0412817256 O 09/01/31 0 5483351 E22/G01 F 122,570.00 ZZ 360 122,482.20 1 11.000 1,167.26 95 10.500 1,167.26 WARWICK MA 01378 1 08/31/01 23 0412853012 05 10/01/01 0 0412853012 O 09/01/31 0 5483358 E22/G01 F 116,750.00 ZZ 360 116,625.26 1 9.125 949.92 95 8.625 949.92 BOCA RATON FL 33434 1 08/31/01 23 0412865560 01 10/01/01 0 0412865560 O 09/01/31 0 5483360 E22/G01 F 231,750.00 ZZ 360 231,544.11 1 10.000 2,033.77 103 9.750 2,033.77 1 SEATTLE WA 98178 1 08/29/01 23 0412868127 05 10/01/01 0 0412868127 O 09/01/31 0 5483361 E22/G01 F 124,100.00 ZZ 360 123,952.93 1 8.625 965.24 104 8.125 965.24 HOUSTON TX 77039 1 08/31/01 23 0412869877 05 10/01/01 0 0412869877 O 09/01/31 0 5483362 E22/G01 F 69,300.00 ZZ 360 69,211.31 1 8.250 520.63 107 8.000 520.63 CANTON NC 28716 1 08/31/01 23 0412872749 05 10/01/01 0 0412872749 O 09/01/31 0 5483384 E22/G01 F 128,750.00 ZZ 360 128,608.83 1 9.000 1,035.95 103 8.750 1,035.95 PRAIRIE VILLAGE KS 66208 1 08/30/01 23 0412897852 05 10/01/01 0 0412897852 O 09/01/31 0 5483385 E22/G01 F 78,850.00 ZZ 360 78,765.76 1 9.125 641.55 95 8.625 641.55 DECATUR TX 76234 1 08/31/01 23 0412898090 05 10/01/01 0 0412898090 O 09/01/31 0 5483419 E22/G01 F 128,750.00 ZZ 360 128,622.84 1 9.500 1,082.60 103 9.250 1,082.60 ENGLEWOOD CO 80110 1 08/31/01 23 0412921777 05 10/01/01 0 0412921777 O 09/01/31 0 1 5483435 E22/G01 F 147,155.00 ZZ 360 146,993.64 2 9.000 1,184.04 95 8.750 1,184.04 NORTH POLE AK 99705 1 08/21/01 23 0412930273 05 10/01/01 0 0412930273 N 09/01/31 0 5483445 E22/G01 F 115,000.00 ZZ 360 114,735.29 1 8.500 884.25 103 8.250 884.25 PRINCETON IN 47670 5 08/27/01 23 0412933343 05 10/01/01 0 0412933343 O 09/01/31 0 5483450 E22/G01 F 139,050.00 ZZ 360 138,939.01 1 10.500 1,271.94 103 10.000 1,271.94 COLORADO SPRING CO 80916 1 08/31/01 23 0412937120 05 10/01/01 0 0412937120 O 09/01/31 0 5483474 E22/G01 F 118,000.00 ZZ 360 117,895.17 1 10.000 1,035.53 100 9.750 1,035.53 TUSCALOOSA AL 35405 5 08/27/01 23 0412945214 05 10/01/01 0 0412945214 O 09/01/31 0 5483477 E22/G01 F 71,775.00 ZZ 360 71,742.39 1 9.875 623.26 99 9.625 623.26 CHEYENNE WY 82001 1 08/31/01 23 0412949109 05 11/01/01 0 0412949109 O 10/01/31 0 5483491 E22/G01 F 118,450.00 ZZ 360 118,309.64 1 1 8.625 921.29 103 8.375 921.29 COLORADO SPRING CO 80915 1 08/31/01 23 0412954125 01 10/01/01 0 0412954125 O 09/01/31 0 5483504 E22/G01 F 204,750.00 ZZ 360 204,542.39 1 9.375 1,703.01 100 8.875 1,703.01 SHERWOOD OR 97140 1 08/27/01 23 0412958092 05 10/01/01 0 0412958092 O 09/01/31 0 5483505 E22/G01 F 56,150.00 ZZ 360 56,079.96 1 8.375 426.78 107 7.875 426.78 AMARILLO TX 79109 1 08/31/01 23 0412958142 05 10/01/01 0 0412958142 O 09/01/31 0 5483510 E22/G01 F 195,700.00 ZZ 360 195,526.12 1 10.000 1,717.41 103 9.500 1,717.41 RENO NV 89523 5 08/23/01 23 0412958621 05 10/01/01 0 0412958621 O 09/01/31 0 5483530 E22/G01 F 107,150.00 ZZ 360 107,064.47 1 10.500 980.14 97 10.000 980.14 NEPTUNE TOWNSHI NJ 07753 1 08/31/01 23 0412966277 05 10/01/01 0 0412966277 O 09/01/31 0 5483534 E22/G01 F 150,700.00 ZZ 360 150,521.42 1 8.625 1,172.13 102 8.375 1,172.13 ROCHESTER HILLS MI 48309 1 08/31/01 23 0412967986 01 10/01/01 0 1 0412967986 O 09/01/31 0 5483535 E22/G01 F 72,100.00 ZZ 360 72,035.94 1 10.000 632.73 103 9.750 632.73 FT.WORTH TX 76134 1 08/29/01 23 0412968158 05 10/01/01 0 0412968158 O 09/01/31 0 5483538 E22/G01 F 43,000.00 ZZ 360 42,952.84 1 9.000 345.99 98 8.500 345.99 DAYTONA BEACH FL 32117 1 08/31/01 23 0412968737 05 10/01/01 0 0412968737 O 09/01/31 0 5483546 E22/G01 F 61,953.00 ZZ 360 61,879.59 1 8.625 481.86 106 8.125 481.86 DELRAY BEACH FL 33446 1 08/31/01 23 0412971392 09 10/01/01 0 0412971392 O 09/01/31 0 5483549 E22/G01 F 105,500.00 ZZ 360 105,378.16 1 8.750 829.97 101 8.500 829.97 DELRAY BEACH FL 33445 1 08/31/01 23 0412971582 09 10/01/01 0 0412971582 O 09/01/31 0 5483553 E22/G01 F 124,100.00 ZZ 360 123,949.11 1 8.500 954.22 106 8.000 954.22 SACRAMENTO CA 95824 1 08/27/01 23 0412972689 05 10/01/01 0 0412972689 O 09/01/31 0 1 5483558 E22/G01 F 119,400.00 ZZ 360 119,269.07 1 9.000 960.72 100 8.750 960.72 DEARBORN HEIGHT MI 48125 1 08/31/01 23 0412974693 05 10/01/01 0 0412974693 O 09/01/31 0 5483559 E22/G01 F 164,600.00 ZZ 360 164,482.47 1 11.750 1,661.49 103 11.250 1,661.49 NAZARETH PA 18064 1 08/31/01 23 0412975229 05 10/01/01 0 0412975229 O 09/01/31 0 5483562 E22/G01 F 149,350.00 ZZ 360 149,181.92 1 8.875 1,188.30 102 8.375 1,188.30 STUART FL 34994 1 08/31/01 23 0412975484 05 10/01/01 0 0412975484 O 09/01/31 0 5483563 E22/G01 F 123,085.00 ZZ 360 122,931.47 1 8.375 935.53 103 8.125 935.53 SACRAMENTO CA 95818 1 08/29/01 23 0412975583 05 10/01/01 0 0412975583 O 09/01/31 0 5483567 E22/G01 F 146,700.00 ZZ 360 146,518.36 1 8.500 1,128.00 100 8.250 1,128.00 VALLEY AL 36854 1 08/31/01 23 0412978991 05 10/01/01 0 0412978991 O 09/01/31 0 5483568 E22/G01 F 117,000.00 ZZ 360 116,868.34 1 8.875 930.90 105 8.375 930.90 1 EAGLE PASS TX 78852 1 08/31/01 23 0412979528 05 10/01/01 0 0412979528 O 09/01/31 0 5483569 E22/G01 F 163,836.00 ZZ 360 163,656.35 1 9.000 1,318.26 97 8.500 1,318.26 LUTZ FL 33549 1 08/31/01 23 0412980211 03 10/01/01 0 0412980211 O 09/01/31 0 5483571 E22/G01 F 276,210.00 ZZ 360 275,798.74 1 7.500 1,931.30 97 7.000 1,931.30 MIAMI SHORES FL 33138 1 08/31/01 23 0412980351 05 10/01/01 0 0412980351 O 09/01/31 0 5483574 E22/G01 F 175,100.00 ZZ 360 174,828.91 1 8.750 1,377.51 103 8.250 1,377.51 DELRAY BEACH FL 33444 1 08/31/01 23 0412980922 05 10/01/01 0 0412980922 O 09/01/31 0 5483580 E22/G01 F 195,700.00 ZZ 360 195,440.83 1 8.750 1,539.57 100 8.500 1,539.57 PLANO TX 75074 1 08/31/01 23 0412985475 03 10/01/01 0 0412985475 O 09/01/31 0 5483583 E22/G01 F 64,075.00 ZZ 360 64,002.89 1 8.875 509.81 95 8.625 509.81 SAN ANTONIO TX 78209 1 08/31/01 23 0412987604 01 10/01/01 0 0412987604 N 09/01/31 0 1 5483587 E22/G01 F 168,000.00 ZZ 360 167,785.00 2 8.250 1,262.13 87 8.000 1,262.13 CARSON CITY NV 89701 1 08/28/01 23 0412989998 05 10/01/01 0 0412989998 O 09/01/31 0 5487441 U59/G01 F 174,232.00 ZZ 360 174,085.24 1 10.250 1,561.30 103 10.000 1,561.30 BAY SHORE NY 11706 1 09/13/01 23 0433238235 05 10/13/01 0 80078521 O 09/13/31 0 5489692 U05/G01 F 133,200.00 ZZ 360 133,119.31 1 8.500 1,024.19 100 8.250 1,024.19 FORT WORTH TX 76248 1 09/07/01 23 0433208832 05 11/01/01 0 3160592 O 10/01/31 0 5490283 J95/G01 F 139,050.00 ZZ 360 138,974.05 1 9.000 1,118.83 103 8.750 1,118.83 DETROIT MI 48239 1 09/21/01 23 0433247137 05 11/01/01 0 0027507227 O 10/01/31 0 5491461 K15/G01 F 117,500.00 ZZ 360 117,371.16 1 9.000 945.43 107 8.750 945.43 LORAIN OH 44052 1 08/20/01 23 0433179256 05 10/01/01 0 028705303679 O 09/01/31 0 5492900 624/G01 F 58,850.00 ZZ 360 58,814.34 1 1 8.500 452.51 107 8.250 452.51 HANFORD CA 93230 1 09/10/01 23 0433207446 05 11/01/01 0 36500314978F O 10/01/31 0 5494356 E22/G01 F 264,075.00 ZZ 360 263,923.07 1 8.750 2,077.48 103 8.250 2,077.48 ALTADENA CA 91001 1 08/29/01 23 0412893794 05 11/01/01 0 0412893794 O 10/01/31 0 5494359 E22/G01 F 123,000.00 ZZ 360 122,861.59 1 8.875 978.64 100 8.375 978.64 LAUDERHILL FL 33313 1 08/31/01 23 0412897233 05 10/01/01 0 0412897233 O 09/01/31 0 5494361 E22/G01 F 51,500.00 ZZ 360 51,464.09 1 11.125 495.32 103 10.625 495.32 HOUSTON TX 77038 1 08/21/01 23 0412900268 03 10/01/01 0 0412900268 O 09/01/31 0 5494367 E22/G01 F 106,000.00 ZZ 360 105,877.59 1 8.750 833.90 103 8.250 833.90 JASPER IN 47546 2 08/29/01 23 0412908683 05 10/01/01 0 0412908683 O 09/01/31 0 5494371 E22/G01 F 180,250.00 ZZ 360 180,154.63 1 12.375 1,906.27 103 11.875 1,906.27 LOUISVILLE KY 40207 5 08/28/01 23 0412914491 05 10/01/01 0 1 0412914491 O 09/01/31 0 5494395 E22/G01 F 153,000.00 ZZ 360 152,818.69 1 8.625 1,190.02 106 8.125 1,190.02 SACRAMENTO CA 95831 1 08/29/01 23 0412942575 07 10/01/01 0 0412942575 O 09/01/31 0 5494423 E22/G01 F 133,600.00 ZZ 360 133,474.83 1 9.750 1,147.83 99 9.500 1,147.83 CONCORD NC 28025 5 08/29/01 23 0412969842 05 10/01/01 0 0412969842 O 09/01/31 0 5494435 E22/G01 F 201,880.00 ZZ 360 201,658.63 1 9.000 1,624.37 103 8.500 1,624.37 AURORA CO 80013 1 09/04/01 23 0412977654 03 10/01/01 0 0412977654 O 09/01/31 0 5494438 E22/G01 F 285,000.00 ZZ 360 284,687.49 1 9.000 2,293.17 100 8.750 2,293.17 LONG BEACH CA 90808 1 08/27/01 23 0412979510 05 10/01/01 0 0412979510 O 09/01/31 0 5494441 E22/G01 F 197,950.00 ZZ 360 197,696.69 1 8.250 1,487.13 107 7.750 1,487.13 SACRAMENTO CA 95821 1 08/28/01 23 0412983546 05 10/01/01 0 0412983546 O 09/01/31 0 1 5494442 E22/G01 F 164,000.00 ZZ 360 163,850.37 1 9.875 1,424.09 100 9.625 1,424.09 TRUSSVILLE AL 35173 1 09/04/01 23 0412984551 05 10/01/01 0 0412984551 O 09/01/31 0 5494446 E22/G01 F 131,000.00 ZZ 360 130,922.66 1 8.625 1,018.90 105 8.375 1,018.90 FRANKENLUST MI 48706 1 09/04/01 23 0412987661 05 11/01/01 0 0412987661 O 10/01/31 0 5494451 E22/G01 F 127,700.00 ZZ 360 127,620.63 1 8.375 970.61 99 8.125 970.61 SACRAMENTO CA 95833 1 08/30/01 23 0412993818 05 11/01/01 0 0412993818 O 10/01/31 0 5494453 E22/G01 F 175,100.00 ZZ 360 174,963.92 1 10.625 1,618.10 103 10.375 1,618.10 BOCA RATON FL 33487 1 09/04/01 23 0412996746 01 10/01/01 0 0412996746 O 09/01/31 0 5495095 U35/G01 F 77,900.00 ZZ 360 77,857.45 1 9.000 626.80 95 8.750 626.80 FRESNO CA 93726 1 09/07/01 23 0433248838 05 11/01/01 0 5379923 O 10/01/31 0 5496154 J95/G01 F 294,000.00 ZZ 360 293,812.52 1 8.250 2,208.73 104 8.000 2,208.73 1 TACOMA WA 98422 1 09/10/01 23 0433194743 05 11/01/01 0 0027474774 O 10/01/31 0 5496285 N67/G01 F 148,300.00 ZZ 360 148,042.15 1 8.750 1,166.68 107 8.500 1,166.68 HARRISVILLE UT 84404 1 07/30/01 23 0433196086 05 09/01/01 0 1160005057 O 08/01/31 0 5496335 U66/G01 F 69,900.00 ZZ 360 69,877.66 1 11.500 692.21 100 11.250 692.21 HOUSTON TX 77066 1 09/07/01 23 0433247103 05 11/01/01 0 268 O 10/01/31 0 5496471 642/G01 F 175,000.00 ZZ 360 174,844.52 1 10.000 1,535.75 103 9.750 1,535.75 LOS ANGELES CA 90047 1 08/27/01 23 0433186830 05 10/01/01 0 08115401 O 09/01/31 0 5496618 J95/G01 F 99,500.00 ZZ 360 99,436.55 1 8.250 747.51 100 8.000 747.51 RICHARDSON TX 75081 1 09/18/01 23 0433282589 05 11/01/01 0 0023461189 O 10/01/31 0 5497124 642/G01 F 90,000.00 ZZ 360 89,946.87 1 8.625 700.01 106 8.375 700.01 COLUMBUS OH 43232 2 09/06/01 23 0433210929 05 11/01/01 0 08175201 O 10/01/31 0 1 5497567 B57/G01 F 187,975.00 ZZ 360 187,911.54 1 11.250 1,825.73 103 11.000 1,825.73 PHOENIX AZ 85014 1 09/11/01 23 0433198850 29 11/01/01 0 21A0521 O 10/01/31 0 5497589 940/G01 F 165,000.00 ZZ 360 164,894.79 1 8.250 1,239.59 100 8.000 1,239.59 RIALTO CA 92377 1 09/10/01 23 0433243649 05 11/01/01 0 60010261 O 10/01/31 0 5497713 J95/G01 F 99,000.00 ZZ 360 98,873.30 1 8.250 743.76 105 8.000 743.76 CONCORD NH 03301 1 08/17/01 23 0433134376 05 10/01/01 0 0027353036 O 09/01/31 0 5497731 642/G01 F 167,890.00 ZZ 360 167,740.84 1 10.000 1,473.35 103 9.750 1,473.35 ANNAPOLIS MD 21401 2 08/30/01 23 0433186988 05 10/01/01 0 08119101 O 09/01/31 0 5499566 U05/G01 F 165,850.00 ZZ 360 165,752.09 1 8.625 1,289.96 107 8.375 1,289.96 RED BLUFF CA 96080 1 09/07/01 23 0433237898 05 11/01/01 0 3164221 O 10/01/31 0 5499730 U05/G01 F 74,100.00 ZZ 360 74,018.74 1 1 9.000 596.23 95 8.750 596.23 RED BLUFF CA 96080 1 08/28/01 23 0433214244 05 10/01/01 0 3161124 N 09/01/31 0 5499859 U05/G01 F 66,500.00 ZZ 360 66,462.72 1 8.875 529.10 95 8.625 529.10 RED BLUFF CA 96080 1 09/11/01 23 0433220357 05 11/01/01 0 3164224 N 10/01/31 0 5500726 B57/G01 F 143,500.00 ZZ 360 143,427.53 1 9.375 1,193.56 103 9.125 1,193.56 PHOENIX AZ 85044 1 09/12/01 23 0433198314 03 11/01/01 0 21A0621 O 10/01/31 0 5502781 642/G01 F 94,000.00 ZZ 360 93,874.21 1 8.875 747.91 105 8.625 747.91 ENGLEWOOD FL 34224 2 08/24/01 23 0433188281 05 10/01/01 0 06131801 O 09/01/31 0 5506244 685/G01 F 210,100.00 ZZ 360 209,863.55 1 8.875 1,671.65 103 8.625 1,671.65 LAKE ELSINORE CA 92530 1 08/28/01 23 0433184272 05 10/01/01 0 126663 O 09/01/31 0 5506459 E22/G01 F 113,300.00 ZZ 360 113,162.24 2 8.500 871.18 103 8.250 871.18 FITCHBURG MA 01420 1 09/04/01 23 0412772477 05 10/01/01 0 1 0412772477 O 09/01/31 0 5506474 E22/G01 F 115,350.00 ZZ 360 115,247.52 1 10.000 1,012.28 103 9.750 1,012.28 PORTLAND OR 97212 5 08/16/01 23 0412893950 05 10/01/01 0 0412893950 O 09/01/31 0 5506485 E22/G01 F 148,500.00 ZZ 360 148,404.64 1 11.500 1,470.58 99 11.000 1,470.58 PIGEON FORGE TN 37863 1 09/05/01 23 0412909137 05 10/01/01 0 0412909137 O 09/01/31 0 5506488 E22/G01 F 51,000.00 ZZ 360 50,964.44 1 11.125 490.51 102 10.625 490.51 KNOXVILLE TN 37912 1 09/04/01 23 0412915373 05 10/01/01 0 0412915373 O 09/01/31 0 5506491 E22/G01 F 163,800.00 ZZ 360 163,629.52 1 9.250 1,347.54 100 9.000 1,347.54 POMPANO BEACH FL 33062 2 08/30/01 23 0412921090 09 10/01/01 0 0412921090 O 09/01/31 0 5506495 E22/G01 F 237,540.00 ZZ 360 237,272.69 1 8.875 1,889.97 107 8.375 1,889.97 OXNARD CA 93030 1 08/30/01 23 0412922122 05 10/01/01 0 0412922122 O 09/01/31 0 1 5506499 E22/G01 F 101,950.00 ZZ 360 101,838.22 1 9.000 820.31 99 8.750 820.31 CENTRALIA IL 62801 5 08/30/01 23 0412929176 05 10/01/01 0 0412929176 O 09/01/31 0 5506508 E22/G01 F 102,900.00 ZZ 360 102,872.15 1 12.250 1,078.29 100 11.750 1,078.29 ALBUQUERQUE NM 87113 1 09/05/01 23 0412939290 03 11/01/01 0 0412939290 O 10/01/31 0 5506510 E22/G01 F 105,300.00 ZZ 360 105,239.41 1 8.750 828.40 104 8.500 828.40 HORN LAKE MS 38637 5 08/30/01 23 0412940397 05 11/01/01 0 0412940397 O 10/01/31 0 5506511 E22/G01 F 240,100.00 ZZ 360 239,850.10 1 9.250 1,975.24 98 9.000 1,975.24 OVERLAND PARK KS 66210 1 08/20/01 23 0412941767 03 10/01/01 0 0412941767 O 09/01/31 0 5506518 E22/G01 F 40,000.00 ZZ 360 39,954.98 1 8.875 318.26 100 8.625 318.26 TUPELO MS 38801 1 09/05/01 23 0412956708 05 10/01/01 0 0412956708 O 09/01/31 0 5506530 E22/G01 F 146,590.00 ZZ 360 146,420.72 1 8.750 1,153.22 107 8.250 1,153.22 1 MIAMI FL 33165 1 09/04/01 23 0412968356 05 10/01/01 0 0412968356 O 09/01/31 0 5506537 E22/G01 F 61,800.00 ZZ 360 61,735.69 1 9.250 508.41 103 9.000 508.41 RUTLAND VT 05701 1 09/05/01 23 0412977316 05 10/01/01 0 0412977316 O 09/01/31 0 5506538 E22/G01 F 120,400.00 ZZ 360 120,345.30 1 9.875 1,045.49 103 9.625 1,045.49 LEE'S SUMMIT MO 64063 1 09/05/01 23 0412977357 05 11/01/01 0 0412977357 O 10/01/31 0 5506552 E22/G01 F 283,000.00 ZZ 360 282,824.10 1 8.375 2,151.00 100 7.875 2,151.00 HERALD CA 95638 1 08/30/01 23 0412991572 05 11/01/01 0 0412991572 O 10/01/31 0 5506560 E22/G01 F 176,130.00 ZZ 360 175,921.28 1 8.625 1,369.92 106 8.375 1,369.92 LOXAHATCHEE FL 33470 1 09/05/01 23 0412999831 05 10/01/01 0 0412999831 O 09/01/31 0 5506561 E22/G01 F 156,500.00 ZZ 360 156,323.89 1 8.875 1,245.18 95 8.625 1,245.18 ALLEN TX 75013 1 09/05/01 23 0413000951 03 10/01/01 0 0413000951 O 09/01/31 0 1 5506562 E22/G01 F 113,200.00 ZZ 360 113,069.26 1 8.750 890.55 105 8.500 890.55 EASTPOINTE MI 48021 1 09/05/01 23 0413005984 05 10/01/01 0 0413005984 O 09/01/31 0 5507822 K15/G01 F 141,000.00 ZZ 360 140,934.22 1 9.750 1,211.41 103 9.500 1,211.41 BROOKLYN CENTER MN 55430 2 09/10/01 23 0433191178 05 11/01/01 0 001310005305078 O 10/01/31 0 5510038 624/G01 F 104,000.00 ZZ 360 103,928.43 1 7.875 754.07 100 7.625 754.07 FRESNO CA 93726 2 09/21/01 23 0433257854 05 11/01/01 0 36200110243F O 10/01/31 0 5510104 U35/G01 F 215,100.00 ZZ 360 214,969.69 1 8.500 1,653.93 103 8.250 1,653.93 GREEN BAY WI 54313 2 09/13/01 23 0433241106 05 11/01/01 0 1 O 10/01/31 0 5510872 J40/G01 F 152,450.00 ZZ 360 152,289.85 1 11.125 1,466.23 100 10.875 1,466.23 BRADENTON FL 34202 1 07/12/01 23 0433237302 03 09/01/01 0 1059392 O 08/01/31 0 5512526 Q64/G01 F 124,100.00 ZZ 360 123,967.42 1 1 9.125 1,009.72 100 8.875 1,009.72 MATTHEWS NC 28105 1 08/28/01 23 0433189289 09 10/01/01 0 0102283405 O 09/01/31 0 5513403 R74/G01 F 115,000.00 ZZ 360 114,834.51 1 7.750 823.88 100 7.500 823.88 MIDDLETOWN CT 06457 1 08/30/01 23 0433196060 05 10/01/01 0 8080011957 O 09/01/31 0 5514131 964/G01 F 365,650.00 ZZ 360 365,479.41 1 9.750 3,141.50 103 9.500 3,141.50 FAIR OAKS CA 95628 1 09/17/01 23 0433245164 05 11/01/01 0 144333 O 10/01/31 0 5514282 642/G01 F 87,740.00 ZZ 180 87,508.13 1 9.000 889.92 107 8.750 889.92 WEST MIFFLIN PA 15122 5 09/12/01 23 0433190675 05 11/01/01 0 08118701 O 10/01/16 0 5514390 P23/G01 F 82,390.00 ZZ 360 82,304.25 1 9.250 677.80 107 9.000 677.80 CHANDLER IN 47610 5 08/27/01 23 0433199213 05 10/01/01 0 WTL010002493 O 09/01/31 0 5514507 P23/G01 F 216,300.00 ZZ 360 216,107.42 1 9.990 1,896.59 102 9.740 1,896.59 RENO NV 89523 1 08/15/01 23 0433254281 05 10/01/01 0 1 WTL010002158 O 09/01/31 0 5514881 Q64/G01 F 101,950.00 ZZ 360 101,859.41 1 10.000 894.69 103 9.750 894.69 BEAUFORT SC 29906 1 08/28/01 23 0433189081 05 10/01/01 0 0102309804 O 09/01/31 0 5515541 737/G01 F 94,300.00 ZZ 360 94,247.14 1 8.875 750.29 105 8.625 750.29 MOSES LAKE WA 98837 1 09/26/01 23 0433272093 05 11/01/01 0 0001790336 O 10/01/31 0 5515947 A11/G01 F 209,720.00 ZZ 360 209,355.37 1 8.750 1,649.87 107 8.500 1,649.87 BROWNSTOWN TWP MI 48192 1 08/24/01 23 0433227469 05 09/24/01 0 1611483506 O 08/24/31 0 5516940 E22/G01 F 96,600.00 ZZ 360 96,488.45 1 8.750 759.95 105 8.500 759.95 BLACKFOOT ID 83221 2 08/30/01 23 0412847667 05 10/01/01 0 0412847667 O 09/01/31 0 5516971 E22/G01 F 285,278.00 ZZ 360 284,948.55 1 8.750 2,244.28 100 8.250 2,244.28 ELK GROVE CA 95624 1 08/31/01 23 0412929432 05 10/01/01 0 0412929432 O 09/01/31 0 1 5516974 E22/G01 F 93,000.00 ZZ 360 92,964.98 1 10.750 868.14 99 10.250 868.14 FOLEY AL 36535 5 08/31/01 23 0412934093 05 11/01/01 0 0412934093 O 10/01/31 0 5516977 E22/G01 F 66,300.00 ZZ 360 66,223.44 1 8.750 521.58 107 8.500 521.58 BURTON MI 48529 1 09/06/01 23 0412934671 05 10/01/01 0 0412934671 O 09/01/31 0 5516990 E22/G01 F 109,250.00 ZZ 360 109,123.84 2 8.750 859.47 95 8.500 859.47 DELRAY BEACH FL 33444 1 09/06/01 23 0412944431 05 10/01/01 0 0412944431 N 09/01/31 0 5516991 E22/G01 F 98,950.00 ZZ 360 98,839.08 1 9.000 796.17 107 8.750 796.17 LEEDS AL 35094 5 08/30/01 23 0412944472 05 10/01/01 0 0412944472 O 09/01/31 0 5517004 E22/G01 F 118,000.00 ZZ 360 117,867.21 2 8.875 938.86 98 8.625 938.86 NEW ORLEANS LA 70119 1 08/30/01 23 0412951972 05 10/01/01 0 0412951972 O 09/01/31 0 5517006 E22/G01 F 178,000.00 ZZ 360 177,814.73 1 9.250 1,464.36 100 8.750 1,464.36 1 SEATTLE WA 98155 1 08/30/01 23 0412952947 05 10/01/01 0 0412952947 O 09/01/31 0 5517045 E22/G01 F 113,300.00 ZZ 360 113,270.19 1 12.375 1,198.22 103 11.875 1,198.22 ANNISTON AL 36207 5 08/30/01 23 0412974248 05 11/01/01 0 0412974248 O 10/01/31 0 5517050 E22/G01 F 72,750.00 ZZ 360 72,709.22 1 8.875 578.83 97 8.625 578.83 GADSDEN AL 35901 1 09/06/01 23 0412979171 05 11/01/01 0 0412979171 O 10/01/31 0 5517066 E22/G01 F 149,247.00 ZZ 360 149,149.38 1 8.125 1,108.15 103 7.625 1,108.15 CHICO CA 95973 1 08/30/01 23 0412989030 05 11/01/01 0 0412989030 O 10/01/31 0 5517070 E22/G01 F 208,650.00 ZZ 360 207,296.29 1 8.875 1,660.11 107 8.625 1,660.11 WHEATON IL 60187 5 08/31/01 23 0412990681 05 10/01/01 0 0412990681 O 09/01/31 0 5517074 E22/G01 F 259,500.00 ZZ 360 259,353.89 1 9.000 2,088.00 100 8.750 2,088.00 SAN DIEGO CA 92104 1 08/29/01 23 0412995375 05 11/01/01 0 0412995375 O 10/01/31 0 1 5517079 E22/G01 F 112,100.00 ZZ 360 112,037.15 1 8.875 891.92 95 8.375 891.92 TERRELL TX 75160 1 09/06/01 23 0413007220 05 11/01/01 0 0413007220 O 10/01/31 0 5517727 U35/G01 F 123,000.00 ZZ 360 122,931.05 1 8.875 978.64 107 8.625 978.64 CARUTHERS CA 93609 5 09/11/01 23 0433227196 05 11/01/01 0 1 O 10/01/31 0 5518079 J95/G01 F 183,300.00 ZZ 360 183,191.78 1 8.625 1,425.69 103 8.375 1,425.69 AZLE TX 76020 1 09/18/01 23 0433244860 03 11/01/01 0 0027526409 O 10/01/31 0 5519110 U35/G01 F 141,625.00 ZZ 360 141,558.92 1 9.750 1,216.78 103 9.500 1,216.78 LOMIRA WI 53048 1 09/14/01 23 0433243409 05 11/01/01 0 1 O 10/01/31 0 5521719 J95/G01 F 206,000.00 ZZ 360 205,868.64 1 8.250 1,547.61 103 8.000 1,547.61 ELLENSBURG WA 98926 1 09/13/01 23 0433247111 05 11/01/01 0 002754282 O 10/01/31 0 5521794 K15/G01 F 123,000.00 ZZ 360 122,929.24 1 1 8.750 967.64 97 8.500 967.64 EAST PROVIDENCE RI 02916 5 09/12/01 23 0433259421 05 11/01/01 0 029705304150 O 10/01/31 0 5522364 L16/G01 F 165,470.00 ZZ 360 165,369.76 1 8.500 1,272.32 100 8.250 1,272.32 SARATOGA SPRING UT 84043 1 09/18/01 23 0433235678 05 11/01/01 0 W0109043 O 10/01/31 0 5523104 940/G01 F 189,500.00 ZZ 360 189,382.21 1 8.375 1,440.34 106 8.125 1,440.34 FONTANA CA 92336 1 09/13/01 23 0433244282 05 11/01/01 0 40010577 O 10/01/31 0 5523839 E22/G01 F 82,650.00 ZZ 360 82,606.01 2 9.125 672.47 95 8.875 672.47 NEW ORLEANS LA 70119 1 09/07/01 23 0412850133 05 11/01/01 0 0412850133 N 10/01/31 0 5523846 E22/G01 F 64,890.00 ZZ 360 64,866.87 1 11.000 617.96 102 10.500 617.96 BEAUMONT TX 77708 1 09/07/01 23 0412898470 05 11/01/01 0 0412898470 O 10/01/31 0 5523852 E22/G01 F 45,600.00 ZZ 360 45,574.44 2 8.875 362.81 92 8.625 362.81 NEW ORLEANS LA 70116 1 09/07/01 23 0412926040 05 11/01/01 0 1 0412926040 N 10/01/31 0 5523853 E22/G01 F 48,925.00 ZZ 360 48,897.57 1 8.875 389.27 95 8.625 389.27 NEW ORLEANS LA 70116 1 09/07/01 23 0412926065 05 11/01/01 0 0412926065 N 10/01/31 0 5523854 E22/G01 F 48,925.00 ZZ 360 48,897.57 2 8.875 389.27 81 8.625 389.27 NEW ORLEANS LA 70116 1 09/07/01 23 0412926073 05 11/01/01 0 0412926073 N 10/01/31 0 5523859 E22/G01 F 104,500.00 ZZ 360 104,445.82 2 9.250 859.70 103 8.750 859.70 MIAMI FL 33157 9 08/31/01 23 0412930018 05 11/01/01 0 0412930018 O 10/01/31 0 5523868 E22/G01 F 155,150.00 ZZ 360 154,862.41 1 8.500 1,192.97 107 8.000 1,192.97 MIAMI FL 33133 1 09/07/01 23 0412944464 09 10/01/01 0 0412944464 O 09/01/31 0 5523869 E22/G01 F 160,500.00 ZZ 360 160,400.24 1 8.375 1,219.92 107 7.875 1,219.92 FRESNO CA 93720 2 08/30/01 23 0412945735 05 11/01/01 0 0412945735 O 10/01/31 0 1 5523877 E22/G01 F 128,150.00 ZZ 360 128,076.27 2 8.750 1,008.16 95 8.500 1,008.16 SOUTHINGTON CT 06489 1 09/07/01 23 0412951550 05 11/01/01 0 0412951550 N 10/01/31 0 5523879 E22/G01 F 157,000.00 ZZ 360 156,827.84 1 9.000 1,263.26 100 8.750 1,263.26 SACRAMENTO CA 95864 1 08/28/01 23 0412953473 05 10/01/01 0 0412953473 O 09/01/31 0 5523886 E22/G01 F 222,500.00 ZZ 360 222,398.91 1 9.875 1,932.08 103 9.625 1,932.08 SOUTHFIELD MI 48076 1 09/07/01 23 0412958936 05 11/01/01 0 0412958936 O 10/01/31 0 5523892 E22/G01 F 40,125.00 ZZ 360 40,101.31 1 8.625 312.09 107 8.375 312.09 LOVELOCK NV 89419 1 08/31/01 23 0412964595 05 11/01/01 0 0412964595 O 10/01/31 0 5523894 E22/G01 F 133,750.00 ZZ 360 133,666.86 1 8.375 1,016.60 107 8.125 1,016.60 WATERFORD MI 48329 1 09/07/01 23 0412965493 05 11/01/01 0 0412965493 O 10/01/31 0 5523895 E22/G01 F 178,200.00 ZZ 360 178,088.67 1 11.625 1,781.71 99 11.125 1,781.71 1 AURORA CO 80013 5 08/31/01 23 0412966921 05 10/01/01 0 0412966921 O 09/01/31 0 5523903 E22/G01 F 122,100.00 ZZ 360 122,059.90 1 11.375 1,197.51 97 10.875 1,197.51 HEBRON OH 43025 1 09/07/01 23 0412978686 05 11/01/01 0 0412978686 O 10/01/31 0 5523906 E22/G01 F 94,300.00 ZZ 360 94,191.09 1 8.750 741.86 106 8.250 741.86 LARGO FL 33770 1 09/07/01 23 0412980856 05 10/01/01 0 0412980856 O 09/01/31 0 5523907 E22/G01 F 129,900.00 ZZ 360 129,809.44 1 11.125 1,249.35 100 10.625 1,249.35 EAST BAY TOWNSH MI 49686 1 09/07/01 23 0412982621 05 10/01/01 0 0412982621 O 09/01/31 0 5523909 E22/G01 F 265,950.00 ZZ 360 265,796.99 1 8.750 2,092.23 95 8.500 2,092.23 PITTSBURG CA 94565 1 08/31/01 23 0412984163 05 11/01/01 0 0412984163 N 10/01/31 0 5523914 E22/G01 F 68,192.00 ZZ 360 68,153.77 1 8.875 542.57 107 8.625 542.57 WEATHERFORD TX 76088 1 09/07/01 23 0412987828 05 11/01/01 0 0412987828 O 10/01/31 0 1 5523919 E22/G01 F 174,249.00 ZZ 360 174,153.82 1 9.000 1,402.05 100 8.750 1,402.05 LAS VEGAS NV 89141 1 09/04/01 23 0412995839 09 11/01/01 0 0412995839 O 10/01/31 0 5523924 E22/G01 F 142,000.00 ZZ 360 141,918.31 1 8.750 1,117.11 100 8.500 1,117.11 FARMINGTON HILL MI 48335 1 09/07/01 23 0413002981 05 11/01/01 0 0413002981 O 10/01/31 0 5523925 E22/G01 F 258,000.00 ZZ 360 257,855.36 1 8.875 2,052.76 100 8.625 2,052.76 LAS VEGAS NV 89149 1 08/31/01 23 0413003476 05 11/01/01 0 0413003476 O 10/01/31 0 5523926 E22/G01 F 203,193.00 ZZ 360 202,945.93 1 8.500 1,562.38 107 8.250 1,562.38 RICHLAND WA 99352 1 08/30/01 23 0413003963 05 10/01/01 0 0413003963 O 09/01/31 0 5523929 E22/G01 F 206,400.00 ZZ 360 206,124.35 1 8.750 1,623.75 107 8.250 1,623.75 HERMITAGE TN 37076 1 09/07/01 23 0413008665 05 11/01/01 0 0413008665 O 10/01/31 0 5523932 E22/G01 F 100,000.00 ZZ 360 99,943.94 1 1 8.875 795.64 100 8.375 795.64 AURORA CO 80012 1 09/07/01 23 0413013293 09 11/01/01 0 0413013293 O 10/01/31 0 5524800 U05/G01 F 97,250.00 ZZ 360 97,191.08 1 8.500 747.77 104 8.250 747.77 ERIE PA 16505 1 09/21/01 23 0433220886 05 11/01/01 0 3165668 O 10/01/31 0 5527147 808/G01 F 251,450.00 ZZ 360 251,293.71 1 8.375 1,911.21 107 8.125 1,911.21 RANCHO CUCAMONG CA 91701 1 09/19/01 23 0433264355 05 11/01/01 0 9321076 O 10/01/31 0 5527383 U05/G01 F 263,600.00 ZZ 360 263,444.38 1 8.625 2,050.25 107 8.375 2,050.25 BOWIE MD 20720 1 09/14/01 23 0433197506 05 11/01/01 0 3164760 O 10/01/31 0 5527752 664/G01 F 74,900.00 ZZ 360 74,773.09 1 8.875 595.94 107 8.625 595.94 SOUTH DAYTONA FL 32119 1 07/27/01 23 0433181906 05 09/01/01 0 0008247835 O 08/01/31 0 5529944 J95/G01 F 119,800.00 ZZ 360 119,727.42 1 8.500 921.16 100 8.250 921.16 ALLENDALE MI 49401 1 09/14/01 23 0433213451 05 11/01/01 0 1 0027406370 O 10/01/31 0 5530000 A11/G01 F 183,500.00 ZZ 360 183,234.13 1 9.625 1,559.74 100 9.375 1,559.74 LEESBURG VA 20175 1 08/28/01 23 0433225414 03 09/28/01 0 4612528263 O 08/28/31 0 5531459 700/G01 F 152,250.00 ZZ 360 152,157.77 1 8.500 1,170.67 105 8.250 1,170.67 HESPERIA CA 92345 1 09/13/01 23 0433258514 05 11/01/01 0 00261543 O 10/01/31 0 5532779 964/G01 F 96,700.00 ZZ 360 96,645.79 1 8.875 769.39 103 8.625 769.39 GLENDALE AZ 85301 1 09/14/01 23 0433224680 05 11/01/01 0 142417 O 10/01/31 0 5534168 E22/G01 F 203,000.00 ZZ 360 202,759.44 1 8.625 1,578.91 105 8.125 1,578.91 CHOWCHILLA CA 93610 1 08/24/01 23 0412822769 03 10/01/01 0 0412822769 O 09/01/31 0 5534171 E22/G01 F 118,500.00 ZZ 360 118,426.34 1 8.375 900.69 105 7.875 900.69 PHOENIX AZ 85019 5 08/28/01 23 0412850349 05 11/01/01 0 0412850349 O 10/01/31 0 1 5534196 E22/G01 F 55,500.00 ZZ 360 55,474.79 1 9.875 481.93 103 9.375 481.93 LOUISVILLE KY 40202 1 09/10/01 23 0412919623 01 11/01/01 0 0412919623 O 10/01/31 0 5534208 E22/G01 F 227,700.00 ZZ 360 227,415.97 1 8.375 1,730.68 99 8.125 1,730.68 ANAHEIM CA 92808 1 08/27/01 23 0412933905 01 10/01/01 0 0412933905 O 09/01/31 0 5534256 E22/G01 F 72,000.00 ZZ 360 71,959.64 1 8.875 572.86 100 8.625 572.86 GARLAND TX 75044 1 09/04/01 23 0412972119 05 11/01/01 0 0412972119 O 10/01/31 0 5534264 E22/G01 F 296,400.00 ZZ 360 296,229.47 1 8.750 2,331.78 95 8.250 2,331.78 HAYWARD CA 94545 1 09/04/01 23 0412979353 05 11/01/01 0 0412979353 O 10/01/31 0 5534275 E22/G01 F 67,000.00 ZZ 360 66,961.45 1 8.750 527.09 100 8.500 527.09 DES MOINES IA 50317 1 09/10/01 23 0412985483 05 11/01/01 0 0412985483 O 10/01/31 0 5534290 E22/G01 F 400,000.00 ZZ 360 399,744.93 1 8.250 3,005.07 99 8.000 3,005.07 1 NEWARK CA 94560 1 08/31/01 23 0412998841 05 11/01/01 0 0412998841 O 10/01/31 0 5534292 E22/G01 F 150,200.00 ZZ 360 150,113.59 1 8.750 1,181.62 104 8.500 1,181.62 WINCHESTER VA 22602 1 09/07/01 23 0413001009 05 11/01/01 0 0413001009 O 10/01/31 0 5534295 E22/G01 F 66,400.00 ZZ 360 66,383.47 1 12.625 715.11 100 12.125 715.11 GREENVILLE NC 27834 1 09/10/01 23 0413004664 09 11/01/01 0 0413004664 O 10/01/31 0 5536914 W33/G01 F 211,890.00 ZZ 360 211,686.17 1 9.625 1,801.04 103 9.375 1,801.04 INDIANAPOLIS IN 46250 1 09/14/01 23 0433243599 01 10/14/01 0 0127114 O 09/14/31 0 5538259 737/G01 F 180,500.00 ZZ 360 180,401.20 1 8.990 1,451.05 95 8.740 1,451.05 SAN BRUNO CA 94066 1 09/17/01 23 0433231453 01 11/01/01 0 0001791136 O 10/01/31 0 5538308 K15/G01 F 97,800.00 ZZ 360 97,772.02 1 12.000 1,005.98 103 11.750 1,005.98 ROGERS AR 72756 5 09/13/01 23 0433215837 05 11/01/01 0 003820005302928 O 10/01/31 0 1 5540070 U96/G01 F 223,000.00 ZZ 360 222,850.38 1 8.000 1,636.29 107 7.750 1,636.29 EWA BEACH HI 96706 1 09/13/01 23 0433236742 03 11/01/01 0 10800049 O 10/01/31 0 5540636 K15/G01 F 128,900.00 ZZ 360 128,855.01 1 11.125 1,239.74 100 10.875 1,239.74 CHARLOTTE NC 28215 5 09/13/01 23 0433191418 03 11/01/01 0 017305304086 O 10/01/31 0 5541578 U59/G01 F 98,262.00 ZZ 360 98,148.51 1 8.750 773.03 103 8.500 773.03 PLEASANTVILLE NJ 08232 1 08/29/01 23 0433187838 05 10/01/01 0 800836435 O 09/01/31 0 5542442 964/G01 F 152,000.00 ZZ 360 151,900.57 1 8.125 1,128.60 100 7.875 1,128.60 PHOENIX AZ 85044 1 09/14/01 01 0433198579 05 11/01/01 35 146034 O 10/01/31 0 5543744 E22/G01 F 193,750.00 ZZ 360 193,626.45 1 8.250 1,455.58 100 8.000 1,455.58 PAW PAW MI 49079 1 09/11/01 23 0412906638 05 11/01/01 0 0412906638 O 10/01/31 0 5543751 E22/G01 F 131,840.00 ZZ 360 130,684.08 1 1 8.750 1,037.19 103 8.250 1,037.19 LAS VEGAS NV 89122 5 08/28/01 23 0412926503 05 10/01/01 0 0412926503 O 09/01/31 0 5543785 E22/G01 F 158,460.00 ZZ 360 158,371.16 1 8.875 1,260.78 95 8.625 1,260.78 CEDAR HILL TX 75104 1 09/07/01 23 0412987505 05 11/01/01 0 0412987505 N 10/01/31 0 5543786 E22/G01 F 161,710.00 ZZ 360 161,609.49 1 8.375 1,229.11 103 7.875 1,229.11 PHOENIX AZ 85032 1 09/06/01 23 0412987851 03 11/01/01 0 0412987851 O 10/01/31 0 5543803 E22/G01 F 385,200.00 ZZ 360 384,972.58 1 8.625 2,996.05 107 8.375 2,996.05 SAN JOSE CA 95124 1 09/04/01 23 0413008301 05 11/01/01 0 0413008301 O 10/01/31 0 5543808 E22/G01 F 271,700.00 ZZ 360 271,513.02 1 7.875 1,970.01 107 7.375 1,970.01 SAN DIEGO CA 92128 1 09/07/01 23 0413022831 05 11/01/01 0 0413022831 O 10/01/31 0 5544023 Q78/G01 F 162,400.00 ZZ 360 162,217.23 1 8.875 1,292.13 107 8.625 1,292.13 COLUMBUS OH 43232 2 08/27/01 23 0433211034 05 10/01/01 0 1 693115 O 09/01/31 0 5544322 G75/G01 F 116,050.00 ZZ 360 115,905.22 1 8.375 882.07 107 8.125 882.07 PENNSBURG PA 18073 1 08/31/01 23 0433183407 05 10/01/01 0 04446236 O 09/01/31 0 5545095 Q78/G01 F 67,410.00 ZZ 360 67,373.18 1 9.000 542.40 107 8.750 542.40 FLINT MI 48506 5 08/28/01 23 0433165842 05 11/01/01 0 692968 O 10/01/31 0 5546497 737/G01 F 212,180.00 ZZ 360 212,078.35 1 9.625 1,803.51 103 9.375 1,803.51 LITHONIA GA 30058 1 09/28/01 23 0433276599 05 11/01/01 0 0001790799 O 10/01/31 0 5547493 940/G01 F 239,700.00 ZZ 360 239,539.17 1 8.000 1,758.83 104 7.750 1,758.83 REDLANDS CA 92374 1 09/21/01 23 0433271202 05 11/01/01 0 40010982 O 10/01/31 0 5548526 U62/G01 F 103,950.00 ZZ 360 103,876.63 1 7.750 744.71 99 7.500 744.71 GARDEN CITY KS 67846 2 09/21/01 23 0433231081 05 11/01/01 0 2001291687 O 10/01/31 0 1 5548776 Q64/G01 F 76,200.00 ZZ 360 76,134.08 1 10.125 675.76 103 9.875 675.76 COLUMBIA SC 29223 5 08/27/01 23 0433238425 09 10/01/01 0 0102336104 O 09/01/31 0 5548912 Q64/G01 F 149,900.00 ZZ 360 149,735.63 1 9.000 1,206.13 100 8.750 1,206.13 MCDONOUGH GA 30252 1 08/27/01 23 0433216827 05 10/01/01 0 0102337300 O 09/01/31 0 5549621 Q78/G01 F 180,830.00 ZZ 360 180,725.95 1 8.750 1,422.60 107 8.500 1,422.60 BURLINGTON NC 27215 2 08/28/01 23 0433178381 05 11/01/01 0 692341 O 10/01/31 0 5549773 U05/G01 F 137,500.00 ZZ 360 137,446.82 1 10.625 1,270.63 103 10.375 1,270.63 MCKINNEY TX 75070 1 09/10/01 23 0433224458 05 11/01/01 0 3164751 O 10/01/31 0 5550549 R65/G01 F 95,200.00 ZZ 360 95,154.39 1 9.625 809.19 99 9.375 809.19 SAINT CLOUD MN 56304 5 09/14/01 23 0433275211 05 11/01/01 0 20014607 O 10/01/31 0 5551459 624/G01 F 201,100.00 ZZ 360 200,978.17 1 8.500 1,546.29 104 8.250 1,546.29 1 SACRAMENTO CA 95826 1 09/14/01 23 0433235314 05 11/01/01 0 38800710403F O 10/01/31 0 5551695 470/G01 F 192,000.00 ZZ 360 191,880.66 1 8.375 1,459.34 100 8.125 1,459.34 MURRIETA CA 92562 1 09/14/01 23 0433276813 05 11/01/01 0 06000803 O 10/01/31 0 5552593 808/G01 F 209,720.00 ZZ 360 209,579.27 1 8.000 1,538.86 107 7.750 1,538.86 LONG BEACH CA 90805 1 09/18/01 23 0433282043 05 11/01/01 0 9321007 O 10/01/31 0 5552952 U05/G01 F 169,000.00 ZZ 360 168,907.69 1 9.000 1,359.81 100 8.750 1,359.81 HOUSTON TX 77057 1 09/24/01 23 0433238573 09 11/01/01 0 3166825 O 10/01/31 0 5555651 E22/G01 F 216,000.00 ZZ 360 215,909.42 1 10.250 1,935.58 99 9.750 1,935.58 ST ALBANS NY 11422 5 09/07/01 23 0412858243 05 11/01/01 0 0412858243 O 10/01/31 0 5555652 E22/G01 F 110,200.00 ZZ 360 110,141.36 1 9.125 896.62 98 8.875 896.62 BURBANK IL 60459 1 09/12/01 23 0412863094 05 11/01/01 0 0412863094 O 10/01/31 0 1 5555701 E22/G01 F 211,600.00 ZZ 360 211,468.48 1 8.375 1,608.31 100 7.875 1,608.31 FAYETTEVILLE GA 30215 1 09/12/01 23 0412967879 05 11/01/01 0 0412967879 O 10/01/31 0 5555710 E22/G01 F 97,000.00 ZZ 360 96,964.46 1 10.875 914.60 99 10.375 914.60 GREAT FALLS MT 59404 1 09/11/01 23 0412975252 05 11/01/01 0 0412975252 O 10/01/31 0 5555742 E22/G01 F 163,600.00 ZZ 360 163,498.31 1 8.375 1,243.48 103 7.875 1,243.48 NORTH HIGHLANDS CA 95660 5 09/04/01 23 0412999161 05 11/01/01 0 0412999161 O 10/01/31 0 5555746 E22/G01 F 43,900.00 ZZ 360 43,882.56 1 10.500 401.57 100 10.250 401.57 HOUSTON TX 77069 1 09/12/01 23 0413001355 01 11/01/01 0 0413001355 O 10/01/31 0 5555759 E22/G01 F 182,650.00 ZZ 360 182,557.76 1 9.375 1,519.19 99 9.125 1,519.19 ALLEN TX 75002 1 09/11/01 23 0413022583 05 11/01/01 0 0413022583 O 10/01/31 0 5557640 Q64/G01 F 102,000.00 ZZ 360 101,885.20 1 1 8.875 811.56 100 8.625 811.56 MCDONOUGH GA 30253 1 08/31/01 23 0433236635 05 10/01/01 0 0102333309 O 09/01/31 0 5558291 624/G01 F 102,490.00 ZZ 360 102,429.41 1 11.875 1,044.37 103 11.625 1,044.37 PARLIER CA 93648 1 08/23/01 23 0433190063 05 10/01/01 0 36200110083F O 09/01/31 0 5559677 147/G01 F 35,738.00 ZZ 360 35,714.62 1 8.125 265.36 107 7.875 265.36 WHITWELL TN 37397 1 09/18/01 23 0433253424 05 11/01/01 0 10433323 O 10/01/31 0 5559959 940/G01 F 228,500.00 ZZ 360 228,357.97 1 8.375 1,736.77 103 8.125 1,736.77 COSTA MESA CA 92626 1 09/27/01 23 0433271459 03 11/01/01 0 40010989 O 10/01/31 0 5560874 808/G01 F 164,748.00 ZZ 360 164,658.01 1 9.000 1,325.60 103 8.750 1,325.60 LANCASTER CA 93536 1 09/20/01 23 0433282027 05 11/01/01 0 9423022 O 10/01/31 0 5561097 U05/G01 F 105,550.00 ZZ 360 105,487.68 1 8.625 820.96 107 8.375 820.96 HOUSTON TX 77090 1 09/18/01 23 0433281300 03 11/01/01 0 1 3166728 O 10/01/31 0 5562047 G75/G01 F 400,000.00 ZZ 360 399,501.02 1 8.375 3,040.29 97 8.125 3,040.29 LEESBURG VA 20175 1 08/31/01 23 0433204229 05 10/01/01 0 04436514 O 09/01/31 0 5563136 642/G01 F 137,000.00 ZZ 360 136,837.66 1 8.625 1,065.57 103 8.375 1,065.57 WAUKESHA WI 53188 1 08/31/01 23 0433210978 05 10/01/01 0 08105601 O 09/01/31 0 5563350 642/G01 F 166,860.00 ZZ 360 166,695.21 1 9.500 1,403.05 103 9.250 1,403.05 LAS VEGAS NV 89104 1 08/29/01 23 0433187812 05 10/01/01 0 08149601 O 09/01/31 0 5563696 K15/G01 F 144,100.00 ZZ 360 144,032.77 1 9.750 1,238.04 103 9.500 1,238.04 NEWARK NJ 07112 5 09/25/01 23 0433281847 05 11/01/01 0 001100005302828 O 10/01/31 0 5565900 N67/G01 F 137,000.00 ZZ 360 136,923.20 1 8.875 1,090.03 100 8.625 1,090.03 LEWISVILLE TX 75077 1 09/21/01 23 0433268778 05 11/01/01 0 1160005668 O 10/01/31 0 1 5567749 E22/G01 F 208,800.00 ZZ 360 208,682.94 1 8.875 1,661.31 100 8.625 1,661.31 MIAMI FL 33015 1 09/13/01 23 0412941452 05 11/01/01 0 0412941452 O 10/01/31 0 5567753 E22/G01 F 169,950.00 ZZ 360 169,857.17 1 9.000 1,367.46 103 8.500 1,367.46 FRESNO CA 93710 1 09/06/01 23 0412961393 05 11/01/01 0 0412961393 O 10/01/31 0 5567754 E22/G01 F 100,600.00 ZZ 360 100,549.20 1 9.375 836.74 100 9.125 836.74 WINCHESTER VA 22601 1 09/13/01 23 0412967366 05 11/01/01 0 0412967366 O 10/01/31 0 5567756 E22/G01 F 154,500.00 ZZ 360 154,427.92 1 9.750 1,327.39 103 9.500 1,327.39 MODESTO CA 95355 1 09/04/01 23 0412974180 05 11/01/01 0 0412974180 O 10/01/31 0 5567766 E22/G01 F 116,850.00 ZZ 360 116,784.49 1 8.875 929.71 95 8.625 929.71 POMONA CA 91767 1 08/30/01 23 0412986101 01 11/01/01 0 0412986101 N 10/01/31 0 5567774 E22/G01 F 233,900.00 ZZ 360 233,778.74 1 9.250 1,924.24 100 9.000 1,924.24 1 AUSTIN TX 78704 1 09/12/01 23 0413006123 03 11/01/01 0 0413006123 O 10/01/31 0 5567778 E22/G01 F 44,940.00 ZZ 360 44,914.81 1 8.875 357.56 107 8.625 357.56 BOLING TX 77420 1 09/12/01 23 0413008525 05 11/01/01 0 0413008525 O 10/01/31 0 5567780 E22/G01 F 83,400.00 ZZ 360 83,361.10 1 9.750 716.53 103 9.500 716.53 SOUTH BEND IN 46619 1 09/13/01 23 0413009044 05 11/01/01 0 0413009044 O 10/01/31 0 5567976 Q64/G01 F 75,000.00 ZZ 360 74,915.59 1 8.875 596.74 100 8.625 596.74 REX GA 30273 1 08/30/01 23 0433217742 05 10/01/01 0 0102326006 O 09/01/31 0 5568035 Q64/G01 F 180,500.00 ZZ 360 180,296.87 1 8.875 1,436.14 100 8.625 1,436.14 MARIETTA GA 30062 1 08/31/01 23 0433216702 05 10/01/01 0 3623677006 O 09/01/31 0 5568245 561/G01 F 245,950.00 ZZ 360 245,665.96 1 8.750 1,934.89 107 8.500 1,934.89 BEL AIR MD 21015 1 08/17/01 23 0433228251 05 10/01/01 0 18694216 O 09/01/31 0 1 5568476 253/G01 F 100,700.00 ZZ 360 100,597.88 1 9.375 837.58 95 9.125 837.58 DESOTO TX 75115 1 08/13/01 23 0433215035 05 10/01/01 0 973438 N 09/01/31 0 5569067 K15/G01 F 106,000.00 ZZ 360 105,954.35 1 10.125 940.03 103 9.875 940.03 DANVILLE IL 61832 5 09/13/01 23 0433193927 05 11/01/01 0 018105302764 O 10/01/31 0 5569263 964/G01 F 298,500.00 ZZ 360 298,328.26 1 8.750 2,348.30 100 8.500 2,348.30 CAMERON PARK CA 95682 1 09/26/01 23 0433255114 05 11/01/01 0 146435 O 10/01/31 0 5569623 U05/G01 F 293,400.00 ZZ 360 293,222.26 1 8.500 2,255.99 105 8.250 2,255.99 AMISSVILLE VA 20106 1 09/27/01 23 0433243243 05 11/01/01 0 3166260 O 10/01/31 0 5570014 U05/G01 F 141,900.00 ZZ 360 141,802.35 1 7.875 1,028.87 95 7.625 1,028.87 MIRAMAR FL 33025 1 09/26/01 23 0433238029 05 11/01/01 0 3168479 O 10/01/31 0 5571210 J95/G01 F 163,700.00 ZZ 360 163,587.34 1 1 7.875 1,186.94 100 7.625 1,186.94 WAVERLY TN 37185 1 09/21/01 23 0433219490 05 11/01/01 0 0023691496 O 10/01/31 0 5571238 964/G01 F 159,600.00 ZZ 360 159,525.54 1 9.750 1,371.21 103 9.500 1,371.21 GILBERT AZ 85296 1 09/20/01 23 0433220613 03 11/01/01 0 144737 O 10/01/31 0 5572331 U59/G01 F 133,000.00 ZZ 360 132,929.21 1 9.125 1,082.14 95 8.875 1,082.14 HOPEWELL JUNCTI NY 12533 1 09/28/01 23 0433268380 07 11/01/01 0 800854963 O 10/01/31 0 5574444 E22/G01 F 306,000.00 ZZ 360 305,832.85 1 9.000 2,462.15 106 8.750 2,462.15 NOBLESVILLE IN 46060 1 09/14/01 23 0412780702 05 11/01/01 0 0412780702 O 10/01/31 0 5574448 E22/G01 F 74,900.00 ZZ 360 74,858.01 1 8.875 595.94 107 8.625 595.94 RED BAY AL 35582 5 09/10/01 23 0412895930 05 11/01/01 0 0412895930 O 10/01/31 0 5574452 E22/G01 F 141,570.00 ZZ 360 141,484.24 1 8.500 1,088.55 99 8.250 1,088.55 WELLINGTON CO 80549 1 09/14/01 23 0412916405 09 11/01/01 0 1 0412916405 O 10/01/31 0 5574475 E22/G01 F 70,000.00 ZZ 360 69,980.52 1 12.125 726.77 102 11.625 726.77 SENECA SC 29678 1 09/14/01 23 0412978850 05 11/01/01 0 0412978850 O 10/01/31 0 5574477 E22/G01 F 235,200.00 ZZ 360 235,053.81 1 8.375 1,787.69 105 7.875 1,787.69 PORTLAND OR 97229 1 09/06/01 23 0412980849 07 11/01/01 0 0412980849 O 10/01/31 0 5574478 E22/G01 F 108,150.00 ZZ 360 108,087.77 1 8.750 850.82 103 8.500 850.82 EUNICE LA 70535 5 09/10/01 23 0412980864 05 11/01/01 0 0412980864 O 10/01/31 0 5574481 E22/G01 F 134,000.00 ZZ 360 133,924.88 1 8.875 1,066.16 103 8.625 1,066.16 STONINGTON CT 06358 1 09/14/01 23 0412984080 05 11/01/01 0 0412984080 O 10/01/31 0 5574484 E22/G01 F 70,000.00 ZZ 360 69,967.34 1 9.750 601.41 100 9.250 601.41 PRYOR OK 74361 1 09/14/01 23 0412988784 05 11/01/01 0 0412988784 O 10/01/31 0 1 5574489 E22/G01 F 92,800.00 ZZ 360 92,320.52 1 8.375 705.35 101 8.125 705.35 LEXINGTON KY 40505 1 09/14/01 23 0412990053 05 11/01/01 0 0412990053 O 10/01/31 0 5574498 E22/G01 F 172,900.00 ZZ 360 172,797.92 1 8.625 1,344.80 98 8.375 1,344.80 WESTMONT IL 60559 5 09/10/01 23 0412998312 07 11/01/01 0 0412998312 O 10/01/31 0 5574499 E22/G01 F 123,050.00 ZZ 360 122,975.45 1 8.500 946.15 103 8.250 946.15 FLORENCE AL 35630 1 09/14/01 23 0412999708 05 11/01/01 0 0412999708 O 10/01/31 0 5574501 E22/G01 F 160,300.00 ZZ 360 160,207.77 1 8.750 1,261.08 103 8.500 1,261.08 LINDEN MI 48451 1 09/14/01 23 0413001207 05 11/01/01 0 0413001207 O 10/01/31 0 5574522 E22/G01 F 93,090.00 ZZ 360 93,042.99 1 9.375 774.28 107 8.875 774.28 PALM HARBOR FL 34684 1 09/14/01 23 0413013236 09 11/01/01 0 0413013236 O 10/01/31 0 5574530 E22/G01 F 183,340.00 ZZ 360 183,216.99 1 8.000 1,345.28 103 7.500 1,345.28 1 SANDY UT 84094 1 09/10/01 23 0413020967 05 11/01/01 0 0413020967 O 10/01/31 0 5574534 E22/G01 F 143,000.00 ZZ 360 142,919.83 1 8.875 1,137.77 100 8.625 1,137.77 GRAND BLANC MI 48442 1 09/14/01 23 0413024662 05 11/01/01 0 0413024662 O 10/01/31 0 5574535 E22/G01 F 117,600.00 ZZ 360 117,528.76 1 8.500 904.24 98 8.250 904.24 ALBUQUERQUE NM 87109 1 09/14/01 23 0413024993 07 11/01/01 0 0413024993 O 10/01/31 0 5574536 E22/G01 F 106,890.00 ZZ 360 106,826.89 1 8.625 831.38 103 8.375 831.38 GRESHAM OR 97030 1 09/10/01 23 0413025818 01 11/01/01 0 0413025818 O 10/01/31 0 5574537 E22/G01 F 226,800.00 ZZ 360 226,666.10 1 8.625 1,764.03 107 8.125 1,764.03 SHERWOOD OR 97140 1 09/10/01 23 0413027533 03 11/01/01 0 0413027533 O 10/01/31 0 5574543 E22/G01 F 193,200.00 ZZ 360 193,079.92 1 8.375 1,468.46 104 8.125 1,468.46 GRAPEVINE TX 76051 1 09/14/01 23 0413035056 05 11/01/01 0 0413035056 O 10/01/31 0 1 5575235 K15/G01 F 72,000.00 ZZ 360 71,966.41 1 9.750 618.59 103 9.500 618.59 FLINT MI 48505 1 09/20/01 23 0433254778 05 11/01/01 0 024405302227 O 10/01/31 0 5576841 U05/G01 F 87,000.00 ZZ 360 86,847.60 1 8.750 684.43 100 8.500 684.43 ERIE PA 16509 1 09/20/01 23 0433223583 05 11/01/01 0 3154735 O 10/01/31 0 5577494 737/G01 F 162,740.00 ZZ 360 162,662.04 1 9.625 1,383.27 103 9.375 1,383.27 WHITE LAKE TOWN MI 48386 1 09/21/01 23 0433253234 05 11/01/01 0 0001786268 O 10/01/31 0 5577530 964/G01 F 128,750.00 ZZ 360 128,667.90 1 8.250 967.26 103 8.000 967.26 MESA AZ 85206 5 09/21/01 23 0433279460 03 11/01/01 0 148552 O 10/01/31 0 5579068 U05/G01 F 153,000.00 ZZ 360 152,904.90 1 8.375 1,162.91 100 8.125 1,162.91 ROSEVILLE CA 95661 1 09/24/01 23 0433234036 05 11/01/01 0 3166983 O 10/01/31 0 5579116 470/G01 F 177,620.00 ZZ 360 177,517.81 1 1 8.750 1,397.34 107 8.500 1,397.34 TURLOCK CA 95382 1 09/21/01 23 0433261112 05 11/01/01 0 18023624 O 10/01/31 0 5579245 624/G01 F 122,550.00 ZZ 360 122,467.77 1 8.000 899.23 103 7.750 899.23 HANFORD CA 93230 1 09/24/01 23 0433268083 05 11/01/01 0 36500315586 O 10/01/31 0 5579537 U05/G01 F 183,000.00 ZZ 360 182,891.95 1 8.625 1,423.36 100 8.375 1,423.36 GLENDALE AZ 85301 1 09/21/01 23 0433263233 09 11/01/01 0 3132360 O 10/01/31 0 5581756 K15/G01 F 92,600.00 ZZ 360 92,567.87 1 11.125 890.61 103 10.875 890.61 CLINTON TOWNSHI MI 48036 5 09/12/01 23 0433198165 01 11/01/01 0 035605303392 O 10/01/31 0 5583678 K15/G01 F 163,500.00 ZZ 360 163,387.48 1 7.875 1,185.49 106 7.625 1,185.49 MURFREESBORO TN 37128 5 09/21/01 23 0433253069 05 11/01/01 0 003805301942 O 10/01/31 0 5584000 642/G01 F 150,000.00 ZZ 360 149,896.78 1 7.875 1,087.60 100 7.625 1,087.60 VIRGINIA BEACH VA 23456 2 09/27/01 23 0433247798 05 11/01/01 0 1 08192701 O 10/01/31 0 5587193 808/G01 F 169,000.00 ZZ 360 168,892.23 1 8.250 1,269.65 100 8.000 1,269.65 PALMDALE CA 93551 1 09/24/01 23 0433235603 05 11/01/01 0 9422875 O 10/01/31 0 5588127 E22/G01 F 250,000.00 ZZ 360 249,900.65 1 10.500 2,286.85 100 10.000 2,286.85 CROSBY TX 77532 1 09/17/01 23 0412871287 05 11/01/01 0 0412871287 O 10/01/31 0 5588181 E22/G01 F 234,900.00 ZZ 360 234,793.28 1 9.875 2,039.75 103 9.625 2,039.75 GLEN ELLYN IL 60137 5 09/12/01 23 0412990969 05 11/01/01 0 0412990699 O 10/01/31 0 5588187 E22/G01 F 201,880.00 ZZ 360 201,806.03 1 10.875 1,903.51 103 10.375 1,903.51 SPRING TX 77388 1 09/17/01 23 0412994642 03 11/01/01 0 0412994642 O 10/01/31 0 5588232 E22/G01 F 118,500.00 ZZ 360 118,420.49 1 8.000 869.51 97 7.750 869.51 KANSAS CITY MO 64114 1 09/17/01 23 0413023714 05 11/01/01 0 0413023714 O 10/01/31 0 1 5588233 E22/G01 F 245,500.00 ZZ 360 245,351.28 1 8.500 1,887.68 107 8.250 1,887.68 NASHUA NH 03063 1 09/17/01 23 0413029497 05 11/01/01 0 0413029497 O 10/01/31 0 5588236 E22/G01 F 173,850.00 ZZ 360 173,741.94 1 8.375 1,321.39 103 8.125 1,321.39 SACRAMENTO CA 95814 1 09/12/01 23 0413035460 05 11/01/01 0 0413035460 O 10/01/31 0 5588240 E22/G01 F 283,334.00 ZZ 360 283,179.24 1 9.000 2,279.77 99 8.750 2,279.77 STRASBURG CO 80136 1 09/17/01 23 0413044140 03 11/01/01 0 0413044140 O 10/01/31 0 5588435 R74/G01 F 178,690.00 ZZ 180 178,207.03 1 8.750 1,785.91 107 8.500 1,785.91 SWEDESBORO NJ 08085 5 09/17/01 23 0433267366 05 11/01/01 0 1010018313 O 10/01/16 0 5589573 808/G01 F 256,917.00 ZZ 360 256,806.34 1 10.125 2,278.40 103 9.875 2,278.40 LAS VEGAS NV 89141 1 09/25/01 23 0433279932 05 11/01/01 0 9503601 O 10/01/31 0 5589780 K15/G01 F 112,500.00 ZZ 360 112,435.27 1 8.750 885.04 107 8.500 885.04 1 SPRINGDALE AR 72762 5 09/22/01 23 0433269305 05 11/01/01 0 038205302929 O 10/01/31 0 5590278 588/G01 F 144,500.00 ZZ 360 144,405.48 1 8.125 1,072.91 104 7.875 1,072.91 STERLING VA 20164 1 09/24/01 23 0433267911 01 11/01/01 0 1049154 O 10/01/31 0 5591206 253/G01 F 248,000.00 ZZ 360 247,841.85 1 8.250 1,863.15 100 8.000 1,863.15 DENVER CO 80212 1 09/24/01 23 0433284452 05 11/01/01 0 980525 O 10/01/31 0 5591281 U35/G01 F 112,000.00 ZZ 360 111,930.39 1 8.375 851.28 100 8.125 851.28 KIMBERLY WI 54136 5 09/21/01 23 0433254943 05 11/01/01 0 1 O 10/01/31 0 5591773 U05/G01 F 133,900.00 ZZ 360 133,842.32 1 10.125 1,187.46 103 9.875 1,187.46 EASTPOINTE MI 48021 5 09/19/01 23 0433225091 05 11/01/01 0 3159516 O 10/01/31 0 5592033 J95/G01 F 114,200.00 ZZ 360 114,127.18 1 8.250 857.95 102 8.000 857.95 CHATTANOOGA TN 37421 5 09/24/01 23 0433285780 05 11/01/01 0 0023712987 O 10/01/31 0 1 5593420 K15/G01 F 82,400.00 ZZ 360 82,368.17 1 10.750 769.19 103 10.500 769.19 MOUNT VERNON OH 43050 2 09/12/01 23 0433192663 05 11/01/01 0 003690005302304 O 10/01/31 0 5594547 K15/G01 F 87,700.00 ZZ 360 87,660.16 2 9.875 761.54 102 9.625 761.54 CLEVELAND OH 44109 5 09/20/01 23 0433281276 05 11/01/01 0 028705303720 O 10/01/31 0 5595862 U35/G01 F 95,790.00 ZZ 360 95,764.08 1 12.250 1,003.78 103 12.000 1,003.78 STURGEON BAY WI 54235 5 09/24/01 23 0433285897 05 11/01/01 0 1 O 10/01/31 0 5597514 737/G01 F 116,900.00 ZZ 360 116,750.38 1 8.250 878.24 99 8.000 878.24 ACWORTH GA 30102 1 08/31/01 23 0433235199 05 10/01/01 0 2036209 O 09/01/31 0 5598275 J95/G01 F 226,840.00 ZZ 360 226,679.90 1 7.750 1,625.11 107 7.500 1,625.11 CLACKAMAS OR 97015 5 09/24/01 23 0433275666 05 11/01/01 0 0027516276 O 10/01/31 0 5598467 A11/G01 F 230,000.00 ZZ 360 229,682.40 1 1 7.875 1,667.66 106 7.625 1,667.66 COMMERCE TOWNSH MI 48382 1 09/07/01 23 0433252038 05 10/07/01 0 7211490170 O 09/07/31 0 5599193 685/G01 F 109,700.00 ZZ 360 109,635.23 1 8.625 853.24 105 8.375 853.24 SANTA CLARITA ( CA 91350 1 09/17/01 23 0433262870 01 11/01/01 0 126687 O 10/01/31 0 5599531 U62/G01 F 72,100.00 ZZ 360 72,059.58 1 8.875 573.66 103 8.625 573.66 WEST PEORIA IL 61604 5 09/24/01 23 0433255353 05 11/01/01 0 2001276806 O 10/01/31 0 5599662 685/G01 F 366,000.00 ZZ 360 365,766.61 1 8.250 2,749.64 102 8.000 2,749.64 CARLSBAD CA 92009 1 09/24/01 23 0433279833 05 11/01/01 0 126928 O 10/01/31 0 5600290 E22/G01 F 265,000.00 ZZ 360 264,847.53 1 8.750 2,084.76 100 8.250 2,084.76 SPRING VALLEY CA 91977 1 09/07/01 23 0412925596 05 11/01/01 0 0412925596 O 10/01/31 0 5600291 E22/G01 F 185,200.00 ZZ 360 185,103.99 1 9.250 1,523.59 103 9.000 1,523.59 SYLVA NC 28779 1 09/18/01 23 0412928475 05 11/01/01 0 1 0412928475 O 10/01/31 0 5600302 E22/G01 F 144,450.00 ZZ 360 144,360.22 1 8.375 1,097.92 107 8.125 1,097.92 SAYREVILLE NJ 08872 1 09/18/01 23 0412948440 01 11/01/01 0 0412948440 O 10/01/31 0 5600303 E22/G01 F 94,050.00 ZZ 360 93,993.03 1 8.500 723.16 99 8.250 723.16 SAGINAW MI 48602 5 09/13/01 23 0412948556 05 11/01/01 0 0412948556 O 10/01/31 0 5600311 E22/G01 F 95,200.00 ZZ 360 95,145.23 1 8.750 748.94 107 8.250 748.94 HICKMAN NE 68372 5 09/13/01 23 0412968190 05 11/01/01 0 0412968190 O 10/01/31 0 5600312 E22/G01 F 154,500.00 ZZ 360 154,401.48 1 8.250 1,160.71 100 7.750 1,160.71 LAKELAND FL 33813 1 09/18/01 23 0412971319 03 11/01/01 0 0412971319 O 10/01/31 0 5600347 E22/G01 F 119,000.00 ZZ 360 118,929.74 1 8.625 925.57 101 8.375 925.57 FERNDALE MI 48220 1 09/14/01 23 0413007741 05 11/01/01 0 0413007741 O 10/01/31 0 1 5600368 E22/G01 F 80,500.00 ZZ 360 80,451.23 1 8.500 618.98 100 8.000 618.98 RED BLUFF CA 96080 1 09/07/01 23 0413025396 05 11/01/01 0 0413025396 O 10/01/31 0 5600378 E22/G01 F 92,000.00 ZZ 360 91,948.43 1 8.875 731.99 100 8.375 731.99 LAKE WORTH FL 33461 1 09/18/01 23 0413032939 05 11/01/01 0 0413032939 O 10/01/31 0 5600384 E22/G01 F 93,120.00 ZZ 360 93,055.92 1 7.875 675.18 97 7.375 675.18 BOISE ID 83704 1 09/12/01 23 0413044538 03 11/01/01 0 0413044538 O 10/01/31 0 5600385 E22/G01 F 153,000.00 ZZ 360 152,904.90 1 8.375 1,162.91 100 7.875 1,162.91 FRESNO CA 93722 1 09/10/01 23 0413045485 05 11/01/01 0 0413045485 O 10/01/31 0 5600675 J95/G01 F 157,600.00 ZZ 360 157,504.52 1 8.500 1,211.81 106 8.250 1,211.81 ORLANDO FL 32809 1 09/25/01 23 0433234812 03 11/01/01 0 0023665839 O 10/01/31 0 5602721 U28/G01 F 129,000.00 ZZ 360 128,921.85 1 8.500 991.90 100 8.250 991.90 1 GAINESVILLE GA 30506 2 09/21/01 23 0433271780 05 11/01/01 0 1 O 10/01/31 0 5603232 Q78/G01 F 269,600.00 ZZ 360 269,448.86 1 8.875 2,145.06 107 8.625 2,145.06 PARK CITY UT 84098 5 09/11/01 23 0433211000 01 11/01/01 0 693892 O 10/01/31 0 5603608 964/G01 F 54,900.00 ZZ 360 54,868.41 1 8.750 431.90 107 8.500 431.90 IDAHO FALLS ID 83401 1 09/23/01 23 0433254364 05 11/01/01 0 144939 O 10/01/31 0 5605075 J95/G01 F 74,000.00 ZZ 360 73,949.08 1 7.875 536.55 100 7.625 536.55 EUTAWVILLE SC 29048 1 09/28/01 23 0433272549 05 11/01/01 0 0023710908 O 10/01/31 0 5605111 685/G01 F 234,200.00 ZZ 360 234,054.43 1 8.375 1,780.09 103 8.125 1,780.09 FONTANA CA 92336 1 09/24/01 23 0433254869 05 11/01/01 0 126908 O 10/01/31 0 5606418 L16/G01 F 126,000.00 ZZ 360 125,925.61 1 8.625 980.02 100 8.375 980.02 WEST VALLEY CIT UT 84128 1 09/24/01 23 0433254893 05 11/01/01 0 W0109094 O 10/01/31 0 1 5606627 K15/G01 F 124,800.00 ZZ 360 124,730.04 1 8.875 992.96 96 8.625 992.96 LAKEWOOD OH 44107 5 09/21/01 23 0433262151 05 11/01/01 0 028705303731 O 10/01/31 0 5607486 964/G01 F 157,000.00 ZZ 360 156,894.66 1 8.000 1,152.01 100 7.750 1,152.01 LAS VEGAS NV 89117 1 09/23/01 23 0433212750 05 11/01/01 0 144118 O 10/01/31 0 5608137 642/G01 F 141,230.00 ZZ 360 141,130.32 1 7.750 1,011.79 105 7.500 1,011.79 FT MYERS FL 33907 2 09/20/01 23 0433271855 05 11/01/01 0 08106901 O 10/01/31 0 5608773 U35/G01 F 201,000.00 T 360 200,887.31 1 8.875 1,599.25 106 8.625 1,599.25 MORRO BAY CA 93442 1 09/24/01 23 0433275914 05 11/01/01 0 1 O 10/01/31 0 5608885 J95/G01 F 217,950.00 ZZ 360 217,950.00 1 8.625 1,695.20 100 8.375 1,695.20 EVERETT WA 98208 1 10/01/01 23 0433256617 05 12/01/01 0 0027584432 O 11/01/31 0 5611590 964/G01 F 141,200.00 ZZ 360 141,100.35 1 1 7.750 1,011.57 107 7.500 1,011.57 LAS VEGAS NV 89128 1 09/26/01 23 0433231222 03 11/01/01 0 145983 O 10/01/31 0 5612329 B57/G01 F 159,650.00 ZZ 360 159,650.00 1 8.125 1,185.40 103 7.875 1,185.40 GILBERT AZ 85233 1 10/05/01 23 0433282530 03 12/01/01 0 21A0636 O 11/01/31 0 5612450 J95/G01 F 101,600.00 ZZ 360 101,538.45 1 8.500 781.22 107 8.250 781.22 TUCSON AZ 85706 2 09/24/01 23 0433265345 05 11/01/01 0 0027596667 O 10/01/31 0 5614644 964/G01 F 207,000.00 ZZ 360 206,874.60 1 8.500 1,591.65 100 8.250 1,591.65 MT. VERNON WA 98273 1 09/24/01 23 0433224763 05 11/01/01 0 143620 O 10/01/31 0 5614795 E22/G01 F 104,300.00 ZZ 360 104,243.03 2 9.000 839.22 102 8.750 839.22 PORTAGE IN 46368 1 09/20/01 23 0412756066 05 11/01/01 0 0412756066 O 10/01/31 0 5614802 E22/G01 F 135,000.00 ZZ 360 134,937.02 1 9.750 1,159.86 94 9.500 1,159.86 LOCHBUIE CO 80603 1 09/21/01 23 0412879751 03 11/01/01 0 1 0412879751 O 10/01/31 0 5614809 E22/G01 F 127,000.00 ZZ 360 126,921.06 1 8.375 965.29 100 8.125 965.29 RIO LINDA CA 95673 1 09/17/01 23 0412897449 05 11/01/01 0 0412897449 O 10/01/31 0 5614825 E22/G01 F 85,600.00 ZZ 360 85,554.45 1 9.125 696.47 98 8.875 696.47 BATON ROUGE LA 70817 1 09/21/01 23 0412931768 05 11/01/01 0 0412931768 O 10/01/31 0 5614826 E22/G01 F 118,700.00 ZZ 360 118,657.67 1 11.000 1,130.41 99 10.500 1,130.41 SNELLVILLE GA 30039 5 09/14/01 23 0412934424 05 11/01/01 0 0412934424 O 10/01/31 0 5614830 E22/G01 F 299,950.00 ZZ 360 299,768.29 1 8.500 2,306.36 104 8.000 2,306.36 OAKLAND CA 94605 1 09/14/01 23 0412936841 05 11/01/01 0 0412936841 O 10/01/31 0 5614832 E22/G01 F 130,000.00 ZZ 360 129,819.20 1 8.375 988.10 100 8.125 988.10 ADDISON MI 48366 1 09/20/01 23 0412941973 05 11/01/01 0 0412941973 O 10/01/31 0 1 5614851 E22/G01 F 164,748.00 ZZ 360 164,677.04 1 10.125 1,461.02 103 9.625 1,461.02 SACRAMENTO CA 95842 1 09/13/01 23 0412965303 05 11/01/01 0 0412965303 O 10/01/31 0 5614857 E22/G01 F 139,000.00 ZZ 360 138,909.08 1 8.125 1,032.07 100 7.625 1,032.07 SOUTH LAKE TAHO CA 96150 1 09/14/01 23 0412967937 05 11/01/01 0 0412967937 O 10/01/31 0 5614863 E22/G01 F 203,000.00 ZZ 360 202,873.82 1 8.375 1,542.95 107 7.875 1,542.95 SIMI VALLEY CA 93063 1 09/18/01 23 0412971103 09 11/01/01 0 0412971103 O 10/01/31 0 5614915 E22/G01 F 125,660.00 ZZ 360 125,575.68 1 8.000 922.05 103 7.750 922.05 STOCKTON CA 95204 1 09/18/01 23 0412988255 05 11/01/01 0 0412988255 O 10/01/31 0 5614925 E22/G01 F 79,150.00 ZZ 360 79,105.63 1 8.875 629.75 107 8.625 629.75 MONROE NC 28112 5 09/17/01 23 0412992604 05 11/01/01 0 0412992604 O 10/01/31 0 5614944 E22/G01 F 214,000.00 ZZ 360 213,876.88 1 8.750 1,683.54 107 8.500 1,683.54 1 PORTLAND OR 97206 5 09/11/01 23 0412996589 05 11/01/01 0 0412996589 O 10/01/31 0 5614948 E22/G01 F 177,650.00 ZZ 360 177,560.29 1 9.375 1,477.60 92 8.875 1,477.60 BRANDON FL 33511 1 09/20/01 23 0412998049 05 11/01/01 0 0412998049 O 10/01/31 0 5614951 E22/G01 F 180,150.00 ZZ 360 180,063.69 1 9.625 1,531.26 98 9.375 1,531.26 ROYAL OAK MI 48067 1 09/20/01 23 0413000340 05 11/01/01 0 0413000340 O 10/01/31 0 5614952 E22/G01 F 50,350.00 ZZ 360 50,319.50 2 8.500 387.15 88 8.250 387.15 HAMILTON OH 45011 1 09/21/01 23 0413000746 05 11/01/01 0 0413000746 N 10/01/31 0 5614974 E22/G01 F 128,750.00 ZZ 360 128,693.05 1 10.000 1,129.87 103 9.750 1,129.87 BOYNTON BEACH FL 33435 1 09/21/01 23 0413007378 05 11/01/01 0 0413007378 O 10/01/31 0 5614978 E22/G01 F 65,050.00 ZZ 360 65,013.53 1 8.875 517.57 93 8.375 517.57 WHITEHALL PA 18052 1 09/20/01 23 0413009168 07 11/01/01 0 0413009168 N 10/01/31 0 1 5614981 E22/G01 F 135,500.00 ZZ 360 135,419.17 1 8.750 1,065.98 100 8.250 1,065.98 NORTH HILLS CA 91343 1 09/11/01 23 0413010554 01 11/01/01 0 0413010554 O 10/01/31 0 5614988 E22/G01 F 174,070.00 ZZ 360 173,984.38 1 9.500 1,463.67 103 9.000 1,463.67 JULIAN CA 92036 1 09/20/01 23 0413012725 05 11/01/01 0 0413012725 O 10/01/31 0 5615003 E22/G01 F 252,350.00 ZZ 360 252,260.02 1 11.000 2,403.19 103 10.750 2,403.19 WEST CHESTER PA 19380 1 09/21/01 23 0413019118 05 11/01/01 0 0413019118 O 10/01/31 0 5615006 E22/G01 F 224,850.00 ZZ 360 224,727.19 2 9.000 1,809.19 100 8.500 1,809.19 DERRY NH 03038 1 09/21/01 23 0413020041 05 11/01/01 0 0413020041 O 10/01/31 0 5615009 E22/G01 F 173,200.00 ZZ 360 173,102.90 1 8.875 1,378.06 100 8.375 1,378.06 SANTA ANA CA 92704 1 09/17/01 23 0413021304 01 11/01/01 0 0413021304 O 10/01/31 0 5615023 E22/G01 F 153,450.00 ZZ 360 153,380.29 1 1 9.875 1,332.48 103 9.625 1,332.48 STURGIS MI 49091 1 09/21/01 23 0413026170 05 11/01/01 0 0413026170 O 10/01/31 0 5615028 E22/G01 F 56,905.00 ZZ 360 56,869.63 1 8.375 432.52 95 7.875 432.52 FRESNO CA 93704 1 09/12/01 23 0413027731 05 11/01/01 0 0413027731 N 10/01/31 0 5615036 E22/G01 F 179,700.00 ZZ 360 179,593.90 1 8.625 1,397.69 107 8.125 1,397.69 EVERETT WA 98208 1 09/14/01 23 0413030842 09 11/01/01 0 0413030842 O 10/01/31 0 5615037 E22/G01 F 91,450.00 ZZ 360 91,397.38 1 8.750 719.44 106 8.500 719.44 CANTON MI 48188 1 09/21/01 23 0413031030 01 11/01/01 0 0413031030 O 10/01/31 0 5615054 E22/G01 F 138,100.00 ZZ 360 138,028.41 1 9.250 1,136.11 99 9.000 1,136.11 SACRAMENTO CA 95823 1 09/14/01 23 0413036450 05 11/01/01 0 0413036450 O 10/01/31 0 5615057 E22/G01 F 299,730.00 ZZ 360 299,557.55 1 8.750 2,357.98 103 8.250 2,357.98 SANTA ANA CA 92703 1 09/12/01 23 0413037763 05 11/01/01 0 1 0413037763 O 10/01/31 0 5615059 E22/G01 F 211,047.00 ZZ 360 210,963.13 1 10.500 1,930.53 103 10.250 1,930.53 NORCO CA 92860 1 09/21/01 23 0413038001 05 11/01/01 0 0413038001 O 10/01/31 0 5615060 E22/G01 F 86,520.00 ZZ 360 86,472.74 1 9.000 696.16 102 8.500 696.16 PASADENA TX 77505 1 09/19/01 23 0413038472 05 11/01/01 0 0413038472 O 10/01/31 0 5615062 E22/G01 F 230,050.00 ZZ 360 229,914.17 1 8.625 1,789.31 107 8.125 1,789.31 ANTELOPE CA 95843 1 09/14/01 23 0413040981 05 11/01/01 0 0413040981 O 10/01/31 0 5615063 E22/G01 F 102,000.00 ZZ 360 101,939.78 1 8.625 793.35 100 8.125 793.35 KEIZER OR 97303 1 09/17/01 23 0413043001 05 11/01/01 0 0413043001 O 10/01/31 0 5615070 E22/G01 F 170,665.00 ZZ 360 170,561.61 1 8.500 1,312.27 107 8.250 1,312.27 RENO NV 89503 1 09/17/01 23 0413047341 05 11/01/01 0 0413047341 O 10/01/31 0 1 5615074 E22/G01 F 146,590.00 ZZ 360 146,498.89 1 8.375 1,114.19 104 7.875 1,114.19 HILLSBORO OR 97123 1 09/14/01 23 0413049032 07 11/01/01 0 0413049032 O 10/01/31 0 5615076 E22/G01 F 85,065.00 ZZ 360 85,010.39 1 8.625 661.63 107 8.125 661.63 TOMBALL TX 77375 1 09/21/01 23 0413049800 03 11/01/01 0 0413049800 O 10/01/31 0 5615077 E22/G01 F 60,940.00 ZZ 360 60,906.71 1 9.000 490.34 103 8.500 490.34 HOUSTON TX 77083 1 09/20/01 23 0413049826 09 11/01/01 0 0413049826 O 10/01/31 0 5615079 E22/G01 F 275,000.00 ZZ 360 274,837.64 1 8.625 2,138.92 100 8.375 2,138.92 CAPITOLA CA 95010 1 09/18/01 23 0413050402 01 11/01/01 0 0413050402 O 10/01/31 0 5615083 E22/G01 F 174,000.00 ZZ 360 171,388.82 1 8.000 1,276.75 105 7.500 1,276.75 GALT CA 95632 1 09/18/01 23 0413052341 05 11/01/01 0 0413052341 O 10/01/31 0 5615084 E22/G01 F 219,950.00 ZZ 360 219,806.12 1 8.125 1,633.12 100 7.875 1,633.12 1 SAN RAMON CA 94583 1 09/18/01 23 0413056698 01 11/01/01 0 0413056698 O 10/01/31 0 5615085 E22/G01 F 170,877.00 ZZ 360 170,825.32 1 11.750 1,724.85 103 11.500 1,724.85 NEWBERG OR 97132 1 09/19/01 23 0413056862 05 11/01/01 0 0413056862 O 10/01/31 0 5615086 E22/G01 F 122,000.00 ZZ 360 121,948.84 1 10.250 1,093.24 100 9.750 1,093.24 DURHAM NC 27703 1 09/21/01 23 0413058942 05 11/01/01 0 0413058942 O 10/01/31 0 5615087 E22/G01 F 103,360.00 ZZ 360 103,298.98 1 8.625 803.92 107 8.375 803.92 BELLA VISTA AR 72714 1 09/20/01 23 0413060377 03 11/01/01 0 0413060377 O 10/01/31 0 5615088 E22/G01 F 236,000.00 ZZ 360 235,864.22 1 8.750 1,856.61 100 8.250 1,856.61 TERRELL TX 75160 1 09/21/01 23 0413063264 03 11/01/01 0 0413063264 O 10/01/31 0 5615089 E22/G01 F 99,000.00 ZZ 360 98,944.50 1 8.875 787.69 100 8.625 787.69 FT MORGAN CO 80701 1 09/21/01 23 0413064841 05 11/01/01 0 0413064841 O 10/01/31 0 1 5615090 E22/G01 F 190,000.00 ZZ 360 189,878.84 1 8.250 1,427.41 95 7.750 1,427.41 MIAMI FL 33155 1 09/20/01 23 0413069121 05 11/01/01 0 0413069121 O 10/01/31 0 5615196 Q78/G01 F 42,800.00 ZZ 360 42,774.73 2 8.625 332.90 107 8.375 332.90 TOLEDO OH 43608 1 09/06/01 23 0433224714 05 11/01/01 0 691710 O 10/01/31 0 5615350 642/G01 F 160,500.00 ZZ 360 160,389.54 1 7.875 1,163.74 107 7.625 1,163.74 WEST WARWICK RI 02893 1 09/05/01 23 0433198843 05 11/01/01 0 08163501 O 10/01/31 0 5615542 624/G01 F 85,000.00 ZZ 360 84,942.97 1 8.000 623.70 107 7.750 623.70 HANFORD CA 93230 1 09/10/01 23 0433192028 05 11/01/01 0 036500315108F O 10/01/31 0 5616356 562/G01 F 179,350.00 ZZ 360 179,238.52 1 8.375 1,363.19 104 8.125 1,363.19 POMONA NY 10970 1 09/17/01 23 0433231420 01 11/01/01 0 297014970 O 10/01/31 0 5616549 J95/G01 F 112,350.00 ZZ 360 112,285.36 1 1 8.750 883.86 107 8.500 883.86 GRAIG CO 81625 1 09/06/01 23 0433210531 05 11/01/01 0 0027472455 O 10/01/31 0 5617287 U05/G01 F 224,000.00 ZZ 360 223,860.77 1 8.375 1,702.56 100 8.125 1,702.56 MECHANICSVILLE MD 20659 1 09/26/01 23 0433259645 05 11/01/01 0 3169308 O 10/01/31 0 5617817 964/G01 F 143,229.00 ZZ 360 143,144.44 1 8.625 1,114.02 100 8.375 1,114.02 NORTH LAS VEGAS NV 89031 1 09/23/01 23 0433243037 03 11/01/01 0 147884 O 10/01/31 0 5618531 642/G01 F 154,000.00 ZZ 360 153,904.28 1 8.375 1,170.51 107 8.125 1,170.51 FALLON NV 89406 2 09/07/01 23 0433210804 05 11/01/01 0 06163001 O 10/01/31 0 5618782 E47/G01 F 104,500.00 ZZ 360 104,439.88 1 8.750 822.10 95 8.500 822.10 CHARLOTTE NC 28213 1 09/25/01 11 0433284700 03 11/01/01 30 7350510014 O 10/01/31 0 5619210 K15/G01 F 109,100.00 ZZ 360 109,061.10 1 11.000 1,038.98 103 10.750 1,038.98 HOLLAND MI 49423 5 09/24/01 23 0433261708 05 11/01/01 0 1 035905304146 O 10/01/31 0 5620200 B28/G01 F 303,850.00 ZZ 360 303,692.48 1 9.250 2,499.70 103 9.000 2,499.70 SAN LORENZO CA 94580 1 09/26/01 23 0433282688 05 11/01/01 0 02500054 O 10/01/31 0 5620401 N67/G01 F 62,200.00 ZZ 360 62,136.93 1 9.375 517.35 95 9.125 517.35 GRAND PRAIRIE TX 75052 1 08/24/01 23 0433243342 05 10/01/01 0 1160005198 N 09/01/31 0 5620894 K15/G01 F 87,900.00 ZZ 360 87,868.66 1 11.000 837.09 97 10.750 837.09 CHARLOTTE NC 28214 5 09/25/01 23 0433261922 05 11/01/01 0 185 O 10/01/31 0 5621409 Q64/G01 F 179,400.00 ZZ 360 179,213.27 1 9.250 1,475.88 100 9.000 1,475.88 POWDER SPRINGS GA 30127 1 09/07/01 23 0433272986 03 10/01/01 0 0102367109 O 09/01/31 0 5624526 K15/G01 F 150,900.00 ZZ 360 150,838.40 1 10.375 1,366.26 102 10.125 1,366.26 BRIDGEPORT CT 06606 5 09/25/01 23 0433281789 05 11/01/01 0 013805308150 O 10/01/31 0 1 5624705 964/G01 F 84,000.00 ZZ 360 83,950.41 1 8.625 653.34 100 8.375 653.34 LAS VEGAS NV 89122 1 09/25/01 23 0433255163 09 11/01/01 0 147885 O 10/01/31 0 5626066 E22/G01 F 97,700.00 ZZ 360 97,600.94 1 9.375 812.62 100 9.125 812.62 ANN ARBOR MI 48104 1 08/13/01 23 0412894719 05 10/01/01 0 0412894719 O 09/01/31 0 5626074 E22/G01 F 151,300.00 ZZ 360 151,210.67 1 8.625 1,176.80 82 8.375 1,176.80 LOVELAND CO 80538 1 09/24/01 23 0412933426 05 11/01/01 0 0412933426 O 10/01/31 0 5626097 E22/G01 F 105,000.00 ZZ 360 104,936.39 1 8.500 807.36 100 8.000 807.36 PALM CITY FL 34990 1 09/24/01 23 0412958704 09 11/01/01 0 0412958704 O 10/01/31 0 5626102 E22/G01 F 181,750.00 ZZ 360 181,639.90 1 8.500 1,397.50 103 8.250 1,397.50 MIAMI FL 33186 1 09/24/01 23 0412968141 05 11/01/01 0 0412968141 O 10/01/31 0 5626127 E22/G01 F 134,600.00 ZZ 360 134,518.46 1 8.500 1,034.96 107 8.250 1,034.96 1 SANTA CLARITA CA 91351 1 09/18/01 23 0412991952 01 11/01/01 0 0412991952 O 10/01/31 0 5626134 E22/G01 F 136,950.00 ZZ 360 136,877.12 1 9.125 1,114.27 107 8.875 1,114.27 PLAINWELL MI 49080 9 09/19/01 23 0412994840 05 11/01/01 0 0412994840 O 10/01/31 0 5626209 E22/G01 F 141,371.00 ZZ 360 141,266.08 1 7.500 988.49 100 7.250 988.49 MIAMI FL 33144 1 09/24/01 23 0413045550 05 11/01/01 0 0413045550 O 10/01/31 0 5626214 E22/G01 F 106,890.00 ZZ 360 106,826.89 1 8.625 831.38 107 8.375 831.38 MIAMI SHORES FL 33138 1 09/24/01 23 0413049107 01 11/01/01 0 0413049107 O 10/01/31 0 5626219 E22/G01 F 244,000.00 ZZ 360 243,336.00 1 8.250 1,833.09 102 7.750 1,833.09 SANGER CA 93657 1 09/18/01 23 0413052663 05 11/01/01 0 0413052663 O 10/01/31 0 5626423 K15/G01 F 93,500.00 ZZ 360 93,456.38 1 9.750 803.31 103 9.500 803.31 MONROE LA 71201 5 09/13/01 23 0433194040 05 11/01/01 0 000605302506 O 10/01/31 0 1 5626613 561/G01 F 159,900.00 ZZ 360 159,810.35 1 8.875 1,272.24 100 8.625 1,272.24 BALTIMORE MD 21206 1 09/14/01 23 0433248598 05 11/01/01 0 18558205 O 10/01/31 0 5627459 964/G01 F 183,600.00 ZZ 360 183,491.61 1 8.625 1,428.02 103 8.375 1,428.02 MORRISON CO 80465 1 09/25/01 23 0433224805 05 11/01/01 0 145718 O 10/01/31 0 5628429 642/G01 F 138,535.00 ZZ 360 138,459.33 1 9.000 1,114.68 103 8.750 1,114.68 URBANDALE IA 50322 1 09/18/01 23 0433210382 05 11/01/01 0 06183301 O 10/01/31 0 5628846 964/G01 F 172,000.00 ZZ 360 171,796.17 1 8.625 1,337.80 100 8.375 1,337.80 MIDDLETOWN CA 95461 1 08/29/01 23 0433200227 03 10/01/01 0 117998 O 09/01/31 0 5631985 642/G01 F 144,450.00 ZZ 360 144,369.02 1 8.875 1,149.31 107 8.625 1,149.31 PEMBROKE PINES FL 33025 5 09/20/01 23 0433283678 03 11/01/01 0 08185101 O 10/01/31 0 5634910 642/G01 F 115,900.00 ZZ 360 115,829.79 1 1 8.500 891.17 100 8.250 891.17 FAIRPORT NY 14450 1 09/28/01 23 0433234069 05 11/01/01 0 09103601 O 10/01/31 0 5635090 N67/G01 F 116,800.00 T 360 116,734.52 1 8.875 929.31 99 8.625 929.31 THAYNE WY 83127 1 10/01/01 23 0433255593 03 11/01/01 0 1160005755 O 10/01/31 0 5635174 B28/G01 F 250,400.00 ZZ 360 250,240.33 1 8.250 1,881.17 103 8.000 1,881.17 LITTLETON CO 80120 1 09/13/01 23 0433252855 05 11/01/01 0 01000326 O 10/01/31 0 5635846 588/G01 F 177,750.00 ZZ 360 177,522.52 1 8.250 1,335.38 106 8.000 1,335.38 FREDERICK MD 21703 1 08/30/01 23 0433253663 09 10/01/01 0 1048770 O 09/01/31 0 5636064 J95/G01 F 173,800.00 ZZ 360 173,683.38 1 8.000 1,275.29 106 7.750 1,275.29 PORTLAND OR 97210 5 09/25/01 23 0433284981 01 11/01/01 0 27587666 O 10/01/31 0 5636540 642/G01 F 116,300.00 ZZ 360 116,227.72 1 8.375 883.96 96 8.125 883.96 BEND OR 97702 1 09/12/01 23 0433200987 05 11/01/01 0 1 08128401 O 10/01/31 0 5637033 E87/G01 F 355,000.00 ZZ 360 355,000.00 1 7.500 2,482.21 100 7.250 2,482.21 NEWBURY PARK CA 91320 1 10/01/01 23 0433284031 05 12/01/01 0 70003753 O 11/01/31 0 5637439 964/G01 F 93,000.00 ZZ 360 92,939.17 1 8.125 690.52 100 7.875 690.52 FRESNO CA 93705 1 09/29/01 23 0433235637 05 11/01/01 0 150052 O 10/01/31 0 5638038 940/G01 F 253,600.00 ZZ 360 253,429.84 1 8.000 1,860.83 104 7.750 1,860.83 WHITTIER CA 90605 1 09/25/01 23 0433270568 01 11/01/01 0 60010210 O 10/01/31 0 5639685 E22/G01 F 84,400.00 ZZ 360 84,374.48 1 11.750 851.94 103 11.250 851.94 FRESNO CA 93725 1 09/13/01 23 0412961674 05 11/01/01 0 0412961674 O 10/01/31 0 5639689 E22/G01 F 82,640.00 ZZ 360 82,607.16 1 10.500 755.94 103 10.000 755.94 ROTTERDAM NY 12306 1 09/25/01 23 0412967184 05 11/01/01 0 0412967184 O 10/01/31 0 1 5639697 E22/G01 F 82,400.00 ZZ 360 82,362.56 1 9.875 715.52 103 9.625 715.52 SHERMAN MS 38869 1 09/25/01 23 0412981425 05 11/01/01 0 0412981425 O 10/01/31 0 5639706 E22/G01 F 159,650.00 ZZ 360 159,558.14 1 8.750 1,255.97 103 8.500 1,255.97 MAINEVILLE OH 45039 1 09/25/01 23 0412996845 05 11/01/01 0 0412996845 O 10/01/31 0 5639710 E22/G01 F 130,500.00 ZZ 360 130,416.79 1 8.250 980.40 107 7.750 980.40 HASTINGS NE 68901 1 09/25/01 23 0413004649 05 11/01/01 0 0413004649 O 10/01/31 0 5639711 E22/G01 F 208,250.00 ZZ 360 208,113.78 1 8.125 1,546.25 107 7.625 1,546.25 HUNTINGTON BEAC CA 92647 1 09/20/01 23 0413005331 01 11/01/01 0 0413005331 O 10/01/31 0 5639713 E22/G01 F 218,800.00 ZZ 360 218,674.12 1 8.750 1,721.30 103 8.500 1,721.30 PUYALLUP WA 98374 1 09/21/01 23 0413009085 03 11/01/01 0 0413009085 O 10/01/31 0 5639721 E22/G01 F 69,000.00 ZZ 360 68,966.06 1 9.500 580.19 100 9.250 580.19 1 KANSAS CITY MO 64134 1 09/24/01 23 0413015637 05 11/01/01 0 0413015637 O 10/01/31 0 5639742 E22/G01 F 158,301.00 ZZ 360 158,194.78 1 8.000 1,161.56 99 7.500 1,161.56 EUGENE OR 97404 1 09/20/01 23 0413029729 05 11/01/01 0 0413029729 O 10/01/31 0 5639745 E22/G01 F 115,360.00 ZZ 360 115,298.61 1 9.125 938.61 103 8.875 938.61 KANSAS CITY MO 64133 1 09/25/01 23 0413030594 05 11/01/01 0 0413030594 O 10/01/31 0 5639748 E22/G01 F 172,500.00 ZZ 360 172,390.01 1 8.250 1,295.93 103 8.000 1,295.93 ROSEVILLE CA 95661 1 09/19/01 23 0413031766 05 11/01/01 0 0413031766 O 10/01/31 0 5639749 E22/G01 F 64,350.00 ZZ 360 64,321.53 1 10.000 564.72 99 9.500 564.72 HOUSTON TX 77045 1 09/25/01 23 0413032186 05 11/01/01 0 0413032186 O 10/01/31 0 5639757 E22/G01 F 118,500.00 ZZ 360 118,426.34 1 8.375 900.69 100 7.875 900.69 EUGENE OR 97408 1 09/20/01 23 0413039207 05 11/01/01 0 0413039207 O 10/01/31 0 1 5639761 E22/G01 F 97,750.00 ZZ 360 96,898.60 1 7.875 708.76 107 7.375 708.76 TUCSON AZ 85710 1 09/21/01 23 0413042375 05 11/01/01 0 0413042375 O 10/01/31 0 5639775 E22/G01 F 250,000.00 ZZ 360 249,829.33 1 8.750 1,966.75 100 8.500 1,966.75 GRASS VALLEY CA 95945 1 09/20/01 23 0413055906 05 11/01/01 0 0413055906 O 10/01/31 0 5640168 642/G01 F 156,300.00 T 360 156,205.32 1 8.500 1,201.81 105 8.250 1,201.81 DAVENPORT FL 33837 1 09/20/01 23 0433207826 03 11/01/01 0 07177701 O 10/01/31 0 5642398 K15/G01 F 223,500.00 ZZ 360 223,413.55 1 10.625 2,065.36 103 10.375 2,065.36 APPLE VALLEY MN 55124 5 09/26/01 23 0433261062 05 11/01/01 0 013205305188 O 10/01/31 0 5645190 G13/G01 F 170,665.00 ZZ 360 170,547.55 1 7.875 1,237.44 107 7.625 1,237.44 BRAWLEY CA 92227 1 09/26/01 23 0433244829 05 11/01/01 0 0081284 O 10/01/31 0 5646704 U05/G01 F 231,000.00 ZZ 360 230,841.03 1 1 7.875 1,674.91 103 7.625 1,674.91 SANTA FE NM 87505 2 09/27/01 23 0433270584 05 11/01/01 0 3167566 O 10/01/31 0 5647092 642/G01 F 74,900.00 ZZ 360 74,852.96 1 8.500 575.92 107 8.250 575.92 JEFFERSON CITY MO 65109 1 09/24/01 23 0433209129 05 11/01/01 0 08183001 O 10/01/31 0 5648879 642/G01 F 267,800.00 ZZ 360 267,645.93 1 8.750 2,106.78 103 8.500 2,106.78 NORTH HOLLYWOOD CA 91605 1 09/11/01 23 0433207636 05 11/01/01 0 08168101 O 10/01/31 0 5650656 147/G01 F 86,520.00 ZZ 360 86,481.64 1 9.990 758.64 103 9.740 758.64 CONNEAUT LAKE PA 16316 1 10/01/01 23 0433272820 05 11/01/01 0 10435431 O 10/01/31 0 5652477 E22/G01 F 123,000.00 ZZ 360 122,925.49 1 8.500 945.76 107 8.000 945.76 NEW ALBANY IN 47150 2 09/21/01 23 0412949687 05 11/01/01 0 0412949687 O 10/01/31 0 5652506 E22/G01 F 139,990.00 ZZ 360 139,909.46 1 8.750 1,101.30 100 8.250 1,101.30 INDIO CA 92201 1 09/20/01 23 0412999807 05 11/01/01 0 1 0412999807 O 10/01/31 0 5652517 E22/G01 F 103,000.00 ZZ 360 102,935.98 1 8.375 782.87 80 8.125 782.87 JOHNSTON RI 02919 1 09/26/01 00 0413007659 05 11/01/01 0 0413007659 O 10/01/31 0 5652523 E22/G01 F 86,500.00 ZZ 360 86,458.56 1 9.625 735.24 103 9.375 735.24 POWELL TN 37849 5 09/20/01 23 0413016155 05 11/01/01 0 0413016155 O 10/01/31 0 5652524 E22/G01 F 352,500.00 ZZ 360 352,269.42 1 8.125 2,617.30 107 7.625 2,617.30 LIVERMORE CA 94550 1 09/19/01 23 0413017427 05 11/01/01 0 0413017427 O 10/01/31 0 5652569 E22/G01 F 117,700.00 ZZ 360 117,630.51 1 8.625 915.46 107 8.125 915.46 RICHLAND WA 99352 5 09/19/01 23 0413050212 05 11/01/01 0 0413050212 O 10/01/31 0 5652574 E22/G01 F 123,375.00 ZZ 360 123,294.29 1 8.125 916.06 105 7.625 916.06 ARLINGTON TX 76016 1 09/24/01 23 0413052481 05 11/01/01 0 0413052481 O 10/01/31 0 1 5652580 E22/G01 F 169,840.00 ZZ 360 169,754.24 1 9.375 1,412.64 100 9.125 1,412.64 HOUSTON TX 77007 1 09/25/01 23 0413055005 05 11/01/01 0 0413055005 O 10/01/31 0 5652594 E22/G01 F 31,350.00 ZZ 360 31,332.88 2 9.000 252.25 95 8.750 252.25 ROANOKE VA 24016 1 09/26/01 23 0413069634 05 11/01/01 0 0413069634 N 10/01/31 0 5652598 E22/G01 F 105,000.00 ZZ 360 104,942.65 1 9.000 844.85 100 8.500 844.85 GARLAND TX 75044 1 09/26/01 23 0413076886 03 11/01/01 0 0413076886 O 10/01/31 0 5655504 U35/G01 F 92,082.00 ZZ 360 92,049.17 1 11.000 876.92 103 10.750 876.92 HILBERT WI 54129 1 09/27/01 23 0433257912 05 11/01/01 0 1 O 10/01/31 0 5657034 J95/G01 F 119,480.00 ZZ 360 119,399.83 1 8.000 876.70 103 7.750 876.70 DOUGLASVILLE GA 30135 1 09/28/01 23 0433276052 05 11/01/01 0 0023711666 O 10/01/31 0 5657549 642/G01 F 40,170.00 ZZ 360 40,146.89 1 8.750 316.02 103 8.500 316.02 1 WILMINGTON DE 19805 1 09/18/01 23 0433209475 05 11/01/01 0 08140101 O 10/01/31 0 5657771 642/G01 F 155,150.00 ZZ 360 155,065.26 1 9.000 1,248.37 107 8.750 1,248.37 ELIZABETH PA 15037 5 09/07/01 23 0433236619 05 11/01/01 0 08143901 O 10/01/31 0 5657952 964/G01 F 300,000.00 ZZ 360 299,831.81 1 8.875 2,386.94 100 8.625 2,386.94 LAS VEGAS NV 89135 1 09/27/01 23 0433267259 03 11/01/01 0 149440 O 10/01/31 0 5658047 561/G01 F 224,700.00 ZZ 360 224,567.33 1 8.625 1,747.70 107 8.375 1,747.70 FREDERICK MD 21701 1 09/18/01 23 0433263977 05 11/01/01 0 18706275 O 10/01/31 0 5658473 U05/G01 F 99,900.00 ZZ 360 99,834.66 1 8.125 741.75 100 7.875 741.75 TUCSON AZ 85704 1 09/25/01 23 0433263407 01 11/01/01 0 3156048 O 10/01/31 0 5658974 K15/G01 F 77,200.00 ZZ 360 77,168.49 1 10.375 698.97 103 10.125 698.97 AMELIA OH 45102 1 09/28/01 23 0433260684 05 11/01/01 0 028105303269 O 10/01/31 0 1 5659130 588/G01 F 105,800.00 ZZ 360 105,734.24 1 8.375 804.16 107 8.125 804.16 ASTON TOWNSHIP PA 19014 1 09/05/01 23 0433245222 05 11/01/01 0 00010481009 O 10/01/31 0 5659329 U35/G01 F 147,580.00 ZZ 360 147,511.15 1 9.750 1,267.94 102 9.500 1,267.94 GREENVILLE WI 54942 1 09/28/01 23 0433267200 05 11/01/01 0 015481 O 10/01/31 0 5660902 U66/G01 F 78,000.00 ZZ 360 77,963.61 1 9.750 670.14 100 9.500 670.14 HOUSTON TX 77084 1 09/28/01 23 0433255650 05 11/01/01 0 277 O 10/01/31 0 5661024 N46/G01 F 180,000.00 ZZ 360 179,934.05 1 10.875 1,697.20 102 10.625 1,697.20 SURFSIDE BEACH SC 29575 1 09/21/01 23 0433233384 03 11/01/01 0 104947 O 10/01/31 0 5662448 737/G01 F 90,450.00 ZZ 360 90,393.78 1 8.375 687.49 104 8.125 687.49 JEFFERSON CITY MO 65101 1 09/28/01 23 0433273406 05 11/01/01 0 0001792571 O 10/01/31 0 5663610 K15/G01 F 169,900.00 ZZ 360 169,900.00 1 1 9.250 1,397.73 99 9.000 1,397.73 MILTON FL 32570 5 09/28/01 23 0433262508 05 12/01/01 0 009305301668 O 11/01/31 0 5663797 624/G01 F 186,800.00 ZZ 360 186,668.16 1 7.750 1,338.26 104 7.500 1,338.26 SANTA MARIA CA 93458 1 09/27/01 23 0433255023 03 11/01/01 0 72002711243 O 10/01/31 0 5665015 E22/G01 F 155,000.00 ZZ 360 154,913.10 1 8.875 1,233.25 100 8.375 1,233.25 SAN DIEGO CA 92116 1 09/21/01 23 0412802746 01 11/01/01 0 0412802746 O 10/01/31 0 5665017 E22/G01 F 298,700.00 ZZ 360 298,553.08 1 9.500 2,511.63 103 9.250 2,511.63 NOVATO CA 94947 1 09/13/01 23 0412908154 01 11/01/01 0 0412908154 O 10/01/31 0 5665022 E22/G01 F 185,400.00 ZZ 360 185,287.68 1 8.500 1,425.57 103 8.250 1,425.57 MAPLE VALLEY WA 98038 9 09/11/01 23 0412940710 03 11/01/01 0 0412940710 O 10/01/31 0 5665025 E22/G01 F 181,900.00 ZZ 360 181,795.34 1 8.750 1,431.01 100 8.250 1,431.01 SIMI VALLEY CA 93065 1 09/20/01 23 0412948507 01 11/01/01 0 1 0412948507 O 10/01/31 0 5665028 E22/G01 F 235,400.00 ZZ 360 235,261.02 1 8.625 1,830.92 107 8.375 1,830.92 SAN DIEGO CA 92126 1 09/18/01 23 0412969586 29 11/01/01 0 0412969586 O 10/01/31 0 5665043 E22/G01 F 71,700.00 ZZ 360 71,659.80 1 8.875 570.48 95 8.625 570.48 AMARILLO TX 79109 1 09/27/01 23 0413004334 05 11/01/01 0 0413004334 N 10/01/31 0 5665044 E22/G01 F 235,000.00 ZZ 360 234,861.25 1 8.625 1,827.81 100 8.375 1,827.81 LA CRESENTA CA 91214 1 09/24/01 23 0413004896 05 11/01/01 0 0413004896 O 10/01/31 0 5665046 E22/G01 F 68,400.00 ZZ 360 68,361.65 1 8.875 544.22 95 8.625 544.22 CLEVELAND OH 44102 1 10/02/01 23 0413009119 05 11/01/01 0 0413009119 N 10/01/31 0 5665047 E22/G01 F 55,067.00 ZZ 360 55,032.77 1 8.375 418.55 106 8.125 418.55 KANSAS CITY KS 66102 1 09/27/01 23 0413009192 05 11/01/01 0 0413009192 O 10/01/31 0 1 5665053 E22/G01 F 240,000.00 ZZ 360 239,858.30 1 8.625 1,866.70 100 8.375 1,866.70 SAN DIEGO CA 92111 1 09/21/01 23 0413019191 01 11/01/01 0 0413019191 O 10/01/31 0 5665061 E22/G01 F 120,304.00 ZZ 360 120,247.87 1 9.750 1,033.60 102 9.500 1,033.60 TWIN FALLS ID 83301 1 09/14/01 23 0413028721 05 11/01/01 0 0413028721 O 10/01/31 0 5665067 E22/G01 F 260,000.00 ZZ 360 259,838.39 1 8.375 1,976.19 100 8.125 1,976.19 LOS ANGELES CA 90043 1 09/15/01 23 0413031527 05 11/01/01 0 0413031527 O 10/01/31 0 5665069 E22/G01 F 152,900.00 ZZ 360 152,812.04 1 8.750 1,202.86 107 8.500 1,202.86 FLINT MI 48507 1 09/27/01 23 0413035353 05 11/01/01 0 0413035353 O 10/01/31 0 5665070 E22/G01 F 45,450.00 ZZ 360 45,422.47 1 8.500 349.47 107 8.250 349.47 RINGLING OK 73456 1 09/27/01 23 0413035619 05 11/01/01 0 0413035619 O 10/01/31 0 5665072 E22/G01 F 99,395.00 ZZ 360 99,340.71 1 9.000 799.75 103 8.750 799.75 1 KANSAS CITY MO 64111 1 09/24/01 23 0413037995 05 11/01/01 0 0413037995 O 10/01/31 0 5665075 E22/G01 F 93,800.00 ZZ 360 93,743.18 1 8.500 721.24 95 8.250 721.24 ALLEN TX 75002 1 09/27/01 23 0413041864 05 11/01/01 0 0413041864 N 10/01/31 0 5665077 E22/G01 F 18,050.00 ZZ 360 18,040.15 1 9.000 145.23 95 8.750 145.23 SOUTH BEND IN 46628 1 09/27/01 23 0413046632 07 11/01/01 0 0413046632 N 10/01/31 0 5665085 E22/G01 F 81,575.00 ZZ 360 81,540.80 1 10.250 730.99 99 10.000 730.99 ALBANY OR 97321 1 09/21/01 23 0413053422 05 11/01/01 0 0413053422 O 10/01/31 0 5665087 E22/G01 F 49,750.00 ZZ 360 49,719.87 1 8.500 382.53 107 8.250 382.53 SAGINAW MI 48602 1 09/27/01 23 0413054339 05 11/01/01 0 0413054339 O 10/01/31 0 5665089 E22/G01 F 274,950.00 ZZ 360 274,791.81 1 8.750 2,163.03 100 8.500 2,163.03 TUALATIN OR 97062 1 09/19/01 23 0413055104 05 11/01/01 0 0413055104 O 10/01/31 0 1 5665092 E22/G01 F 181,000.00 ZZ 360 180,868.99 1 7.625 1,281.11 100 7.125 1,281.11 GERMANTOWN TN 38138 1 09/27/01 23 0413056011 05 11/01/01 0 0413056011 O 10/01/31 0 5665100 E22/G01 F 218,850.00 ZZ 360 218,727.31 1 8.875 1,741.27 103 8.625 1,741.27 CATONSVILLE MD 21228 1 09/27/01 23 0413059544 05 11/01/01 0 0413059544 O 10/01/31 0 5665101 E22/G01 F 106,967.00 ZZ 360 106,897.03 1 8.125 794.23 103 7.625 794.23 PAYSON AZ 85541 1 09/20/01 23 0413066390 05 11/01/01 0 0413066390 O 10/01/31 0 5665103 E22/G01 F 131,791.00 ZZ 360 131,731.12 1 9.875 1,144.41 100 9.625 1,144.41 FORNEY TX 75126 1 09/27/01 23 0413071333 05 11/01/01 0 0413071333 O 10/01/31 0 5665107 E22/G01 F 121,900.00 ZZ 360 121,829.86 1 8.750 958.99 100 8.250 958.99 LANTANA FL 33462 1 09/27/01 23 0413074238 05 11/01/01 0 0413074238 O 10/01/31 0 5665108 E22/G01 F 246,100.00 ZZ 360 245,939.01 1 1 8.125 1,827.29 107 7.625 1,827.29 DALY CITY CA 94015 1 09/26/01 23 0413074683 01 11/01/01 0 0413074683 O 10/01/31 0 5665109 E22/G01 F 256,693.00 ZZ 360 256,516.35 1 7.875 1,861.20 107 7.625 1,861.20 LONG BEACH CA 90808 1 09/24/01 23 0413075391 05 11/01/01 0 0413075391 O 10/01/31 0 5665110 E22/G01 F 190,500.00 ZZ 360 190,381.59 1 8.375 1,447.94 101 7.875 1,447.94 AURORA CO 80014 1 09/27/01 23 0413078072 03 11/01/01 0 0413078072 O 10/01/31 0 5665113 E22/G01 F 53,800.00 ZZ 360 53,769.84 1 8.875 428.06 95 8.625 428.06 SAN ANTONIO TX 78219 1 09/27/01 23 0413080821 05 11/01/01 0 0413080821 N 10/01/31 0 5665115 E22/G01 F 185,585.00 ZZ 360 185,460.47 1 8.000 1,361.76 103 7.750 1,361.76 PEORIA AZ 85382 1 09/26/01 23 0413090283 05 11/01/01 0 0413090283 O 10/01/31 0 5665598 U05/G01 F 138,600.00 ZZ 360 138,513.85 1 8.375 1,053.46 107 8.125 1,053.46 PITTSBURGH PA 15216 1 09/28/01 23 0433253457 05 11/01/01 0 1 3167973 O 10/01/31 0 5666613 624/G01 F 221,500.00 ZZ 360 221,358.75 1 8.250 1,664.06 102 8.000 1,664.06 CHANDLER AZ 85249 1 09/26/01 23 0433233392 03 11/01/01 0 35500610423F O 10/01/31 0 5667825 642/G01 F 113,300.00 ZZ 360 113,242.79 1 9.375 942.37 103 9.125 942.37 AURORA CO 80017 1 09/29/01 23 0433252814 01 11/01/01 0 08187801 O 10/01/31 0 5667975 Q99/G01 F 73,130.00 ZZ 240 73,130.00 1 8.750 646.26 103 8.500 646.26 DEL CITY OK 73115 2 10/09/01 23 0433263928 05 12/01/01 0 1 O 11/01/21 0 5668550 E87/G01 F 326,016.00 ZZ 360 325,818.50 1 8.500 2,506.78 103 8.250 2,506.78 IRVINE CA 92602 1 09/27/01 23 0433262714 01 11/01/01 0 01090205 O 10/01/31 0 5668581 U35/G01 F 90,400.00 ZZ 360 90,354.35 1 9.375 751.90 100 9.125 751.90 NEW HOLSTEIN WI 53061 1 09/28/01 23 0433267689 05 11/01/01 0 1 O 10/01/31 0 1 5669168 964/G01 F 121,980.00 ZZ 360 121,980.00 1 9.000 981.48 107 8.750 981.48 TUCSON AZ 85706 5 10/09/01 23 0433286549 05 12/01/01 0 144680 O 11/01/31 0 5669748 700/G01 F 67,000.00 ZZ 360 67,000.00 1 8.125 497.47 100 7.875 497.47 ARLINGTON TX 76010 1 10/01/01 23 0433257011 05 12/01/01 0 00261895 O 11/01/31 0 5672126 Q64/G01 F 116,000.00 ZZ 360 115,941.42 1 9.375 964.83 100 9.125 964.83 MESQUITE TX 75149 1 09/19/01 23 0433233855 05 11/01/01 0 102328101 O 10/01/31 0 5673315 003/G01 F 144,950.00 ZZ 360 144,791.04 1 9.000 1,166.31 100 8.750 1,166.31 DECATUR GA 30034 1 08/27/01 23 0433264637 05 10/01/01 0 0021546775 O 09/01/31 0 5674297 808/G01 F 188,550.00 ZZ 360 188,550.00 1 8.125 1,399.98 100 7.875 1,399.98 NORTH LAS VEGAS NV 89031 1 10/02/01 23 0433273521 05 12/01/01 0 9503639 O 11/01/31 0 5677859 Q64/G01 F 86,500.00 ZZ 360 86,452.75 1 9.000 696.00 100 8.750 696.00 1 GEORGETOWN SC 29440 1 09/17/01 23 0433239548 05 11/01/01 0 0102379005 O 10/01/31 0 5677943 Q64/G01 F 152,490.00 ZZ 360 152,408.85 1 9.125 1,240.71 100 8.875 1,240.71 MCDONOUGH GA 30252 1 09/07/01 23 0433238706 05 11/01/01 0 0102396009 O 10/01/31 0 5684821 642/G01 F 100,000.00 ZZ 360 100,000.00 1 8.500 768.91 107 8.250 768.91 MIDLOTHIAN VA 23112 1 10/01/01 23 0433257805 05 12/01/01 0 09141601 O 11/01/31 0 5687657 940/G01 F 186,000.00 ZZ 360 186,000.00 1 7.625 1,316.50 100 7.375 1,316.50 RANCHO CUCAMONG CA 91730 1 10/08/01 23 0433284536 05 12/01/01 0 23010350 O 11/01/31 0 5691509 642/G01 F 105,000.00 ZZ 360 105,000.00 1 8.875 835.43 102 8.625 835.43 RIDGELY MD 21660 5 10/03/01 23 0433274297 05 12/01/01 0 09131801 O 11/01/31 0 5692482 642/G01 F 126,800.00 ZZ 360 126,800.00 1 9.625 1,077.79 103 9.375 1,077.79 CHESTERFIELD VA 23832 5 10/02/01 23 0433266004 03 12/01/01 0 08134001 O 11/01/31 0 1 5697609 964/G01 F 169,000.00 ZZ 360 168,902.77 1 8.750 1,329.52 100 8.500 1,329.52 LAS VEGAS NV 89109 1 09/27/01 23 0433256070 05 11/01/01 0 420143082 O 10/01/31 0 5704480 E22/G01 F 141,125.00 ZZ 360 141,047.92 1 9.000 1,135.52 100 8.750 1,135.52 ORLAND PARK IL 60402 1 09/28/01 23 0412947897 09 11/01/01 0 0412947897 O 10/01/31 0 5704486 E22/G01 F 125,900.00 ZZ 360 125,821.75 1 8.375 956.93 103 8.125 956.93 WILLIAMSBURG VA 23188 2 09/24/01 23 0412962813 05 11/01/01 0 0412962813 O 10/01/31 0 5704493 E22/G01 F 66,500.00 ZZ 360 66,463.68 1 9.000 535.07 95 8.750 535.07 NEWARK OH 43055 1 09/28/01 23 0412973968 05 11/01/01 0 0412973968 N 10/01/31 0 5704503 E22/G01 F 83,200.00 ZZ 360 83,166.94 2 10.500 761.06 97 10.000 761.06 WESTLAND MI 48186 1 09/28/01 23 0412983967 05 11/01/01 0 0412983967 O 10/01/31 0 5704510 E22/G01 F 111,600.00 ZZ 360 111,534.12 1 1 8.625 868.01 104 8.125 868.01 POST FALLS ID 83854 1 09/27/01 23 0412989642 03 11/01/01 0 0412989642 O 10/01/31 0 5704531 E22/G01 F 86,390.00 ZZ 360 86,340.30 1 8.750 679.63 105 8.500 679.63 RAYTOWN MO 64133 1 09/27/01 23 0413003955 05 11/01/01 0 0413003955 O 10/01/31 0 5704537 E22/G01 F 85,100.00 ZZ 360 85,048.44 1 8.500 654.35 100 8.250 654.35 TAMARAC FL 33321 1 09/28/01 23 0413007170 01 11/01/01 0 0413007170 O 10/01/31 0 5704559 E22/G01 F 129,900.00 ZZ 360 129,819.26 1 8.375 987.33 100 8.125 987.33 ESSEXVILLE MI 48732 1 09/28/01 23 0413020439 05 11/01/01 0 0413020439 O 10/01/31 0 5704560 E22/G01 F 155,500.00 ZZ 360 155,400.84 1 8.250 1,168.22 104 7.750 1,168.22 PASCO WA 99301 2 09/24/01 23 0413020918 05 11/01/01 0 0413020918 O 10/01/31 0 5704572 E22/G01 F 205,400.00 ZZ 360 202,113.39 1 8.250 1,543.10 107 8.000 1,543.10 ROCKLIN CA 95677 1 09/26/01 23 0413026410 05 11/01/01 0 1 0413026410 O 10/01/31 0 5704578 E22/G01 F 367,900.00 ZZ 360 367,653.15 1 8.000 2,699.52 107 7.750 2,699.52 VALENCIA CA 91355 1 09/25/01 23 0413028341 29 11/01/01 0 0413028341 O 10/01/31 0 5704586 E22/G01 F 195,000.00 ZZ 360 194,884.87 1 8.625 1,516.69 100 8.125 1,516.69 STANWOOD WA 98292 1 09/25/01 23 0413030701 05 11/01/01 0 0413030701 O 10/01/31 0 5704587 E22/G01 F 152,400.00 ZZ 360 152,310.03 1 8.625 1,185.35 103 8.375 1,185.35 PORTLAND OR 97219 1 09/25/01 23 0413030735 05 11/01/01 0 0413030735 O 10/01/31 0 5704605 E22/G01 F 187,250.00 ZZ 360 187,133.61 1 8.375 1,423.24 107 7.875 1,423.24 MILWAUKIE OR 97222 2 09/20/01 23 0413039843 05 11/01/01 0 0413039843 O 10/01/31 0 5704617 E22/G01 F 88,000.00 ZZ 360 87,971.10 1 11.375 863.07 100 10.875 863.07 HOUSE SPRINGS MO 63051 1 09/28/01 23 0413045964 03 11/01/01 0 0413045964 O 10/01/31 0 1 5704619 E22/G01 F 219,500.00 ZZ 360 219,376.95 1 8.875 1,746.44 100 8.375 1,746.44 DALLAS TX 75219 1 09/28/01 23 0413046244 09 11/01/01 0 0413046244 O 10/01/31 0 5704621 E22/G01 F 165,800.00 ZZ 360 165,699.56 1 8.500 1,274.86 97 8.000 1,274.86 SACRAMENTO CA 95838 1 09/17/01 23 0413046566 05 11/01/01 0 0413046566 O 10/01/31 0 5704630 E22/G01 F 83,150.00 ZZ 360 83,094.20 2 8.000 610.13 99 7.750 610.13 NEW ORLEANS LA 70115 1 09/28/01 23 0413048422 05 11/01/01 0 0413048422 O 10/01/31 0 5704632 E22/G01 F 118,450.00 ZZ 360 118,383.60 1 8.875 942.44 103 8.625 942.44 WILMINGTON DE 19808 1 09/28/01 23 0413048778 05 11/01/01 0 0413048778 O 10/01/31 0 5704640 E22/G01 F 107,000.00 ZZ 360 106,931.77 1 8.250 803.86 100 8.000 803.86 BEND OR 97701 1 09/26/01 23 0413051988 05 11/01/01 0 0413051988 O 10/01/31 0 5704643 E22/G01 F 16,600.00 ZZ 360 16,590.93 1 9.000 133.57 95 8.750 133.57 1 SOUTH BEND IN 46628 1 09/28/01 23 0413054081 05 11/01/01 0 0413054081 N 10/01/31 0 5704648 E22/G01 F 174,997.00 ZZ 360 174,921.63 1 10.125 1,551.91 103 9.625 1,551.91 MERRITT ISLAND FL 32952 1 09/28/01 23 0413055443 05 11/01/01 0 0413055443 O 10/01/31 0 5704653 E22/G01 F 164,250.00 ZZ 360 164,147.91 1 8.375 1,248.42 103 8.125 1,248.42 SAGINAW MI 48603 1 09/28/01 23 0413058595 05 11/01/01 0 0413058595 O 10/01/31 0 5704656 E22/G01 F 135,680.00 ZZ 360 135,603.94 1 8.875 1,079.53 100 8.375 1,079.53 MIAMI FL 33147 1 09/28/01 23 0413059288 05 11/01/01 0 0413059288 O 10/01/31 0 5704664 E22/G01 F 178,125.00 ZZ 360 178,025.14 2 8.875 1,417.24 95 8.625 1,417.24 ST.PETERSBURG B FL 33706 1 09/28/01 23 0413060559 05 11/01/01 0 0413060559 O 10/01/31 0 5704665 E22/G01 F 161,000.00 ZZ 360 160,886.37 1 7.750 1,153.42 100 7.250 1,153.42 FONTANA CA 92337 1 09/24/01 23 0413060567 05 11/01/01 0 0413060567 O 10/01/31 0 1 5704676 E22/G01 F 211,150.00 ZZ 360 211,066.09 1 10.500 1,931.47 103 10.000 1,931.47 AUBURN MA 01501 1 08/29/01 23 0413066226 05 11/01/01 0 0413066226 O 10/01/31 0 5704680 E22/G01 F 208,650.00 ZZ 360 208,452.65 1 8.125 1,549.22 107 7.875 1,549.22 CHULA VISTA CA 91913 1 09/26/01 23 0413068222 01 11/01/01 0 0413068222 O 10/01/31 0 5704682 E22/G01 F 249,000.00 ZZ 360 248,849.16 1 8.500 1,914.59 102 8.250 1,914.59 LONDONDERRY NH 03053 1 09/28/01 23 0413069220 05 11/01/01 0 0413069220 O 10/01/31 0 5704683 E22/G01 F 244,650.00 ZZ 360 244,501.79 1 8.500 1,881.15 105 8.250 1,881.15 ELK GROVE CA 95758 1 09/24/01 23 0413069451 05 11/01/01 0 0413069451 O 10/01/31 0 5704697 E22/G01 F 140,000.00 ZZ 360 139,923.53 1 9.000 1,126.47 100 8.750 1,126.47 ARCADIA FL 34266 1 09/28/01 23 0413075565 05 11/01/01 0 0413075565 O 10/01/31 0 5704698 E22/G01 F 118,500.00 ZZ 360 118,416.36 1 1 7.750 848.95 107 7.500 848.95 LANTANA FL 33462 1 09/28/01 23 0413076928 05 11/01/01 0 0413076928 O 10/01/31 0 5704699 E22/G01 F 278,100.00 ZZ 360 277,927.15 1 8.375 2,113.76 104 7.875 2,113.76 COLLIERVILLE TN 38017 1 09/28/01 23 0413077546 05 11/01/01 0 0413077546 O 10/01/31 0 5704701 E22/G01 F 139,095.00 ZZ 360 139,012.88 1 8.625 1,081.87 100 8.375 1,081.87 FORT MYERS FL 33912 1 09/28/01 23 0413078387 05 11/01/01 0 0413078387 O 10/01/31 0 5704702 E22/G01 F 123,100.00 ZZ 360 123,029.17 1 8.750 968.43 100 8.500 968.43 SKOKIE IL 60077 1 09/28/01 23 0413078866 01 11/01/01 0 0413078866 O 10/01/31 0 5704706 E22/G01 F 137,750.00 ZZ 360 137,676.69 1 9.125 1,120.78 95 8.875 1,120.78 SALT LAKE CITY UT 84103 1 09/26/01 23 0413084765 05 11/01/01 0 0413084765 O 10/01/31 0 5704707 E22/G01 F 120,510.00 ZZ 360 120,444.18 1 9.000 969.65 103 8.500 969.65 PARADISE CA 95969 1 09/27/01 23 0413085341 05 11/01/01 0 1 0413085341 O 10/01/31 0 5704709 E22/G01 F 108,900.00 ZZ 360 108,838.95 1 8.875 866.46 99 8.375 866.46 MARBLE FALLS TX 78654 1 09/28/01 23 0413085481 05 11/01/01 0 0413085481 O 10/01/31 0 5705313 642/G01 F 52,000.00 ZZ 180 51,851.38 1 8.125 500.70 100 7.875 500.70 KANSAS CITY MO 64111 1 09/20/01 23 0433252707 05 11/01/01 0 08166101 O 10/01/16 0 5714380 642/G01 F 133,900.00 ZZ 360 133,826.86 1 9.000 1,077.39 103 8.750 1,077.39 MAYBEE MI 48159 1 09/28/01 23 0433266814 05 11/01/01 0 09151901 O 10/01/31 0 5717755 K15/G01 F 114,900.00 ZZ 360 114,900.00 1 8.125 853.13 100 7.875 853.13 FREMONT OH 43420 5 10/05/01 23 0433269230 05 12/01/01 0 028005303361 O 11/01/31 0 5721275 Q78/G01 F 274,263.00 ZZ 360 274,088.11 1 8.250 2,060.45 105 8.000 2,060.45 AURORA CO 80013 2 09/21/01 23 0433261823 03 11/01/01 0 694440 O 10/01/31 0 1 5724031 E22/G01 F 103,000.00 ZZ 360 102,946.60 1 9.250 847.36 103 9.000 847.36 HARVEY LA 70058 9 09/18/01 23 0412943052 05 11/01/01 0 0412943052 O 10/01/31 0 5724055 E22/G01 F 144,200.00 ZZ 360 144,129.07 2 9.500 1,212.51 103 9.250 1,212.51 HARTFORD CT 06106 1 09/24/01 23 0412997249 05 11/01/01 0 0412997249 O 10/01/31 0 5724102 E22/G01 F 63,200.00 ZZ 360 63,179.24 1 11.375 619.84 99 10.875 619.84 BIRMINGHAM AL 35217 5 09/25/01 23 0413044702 05 11/01/01 0 0413044702 O 10/01/31 0 5724107 E22/G01 F 223,000.00 ZZ 360 222,857.81 1 8.250 1,675.32 102 7.750 1,675.32 YORBA LINDA CA 92887 1 09/27/01 23 0413049354 01 11/01/01 0 0413049354 O 10/01/31 0 5724118 E22/G01 F 122,550.00 ZZ 360 122,433.07 1 9.875 1,064.16 103 9.625 1,064.16 NEWPORT MI 48166 1 10/01/01 23 0413053778 05 11/01/01 0 0413053778 O 10/01/31 0 5724119 E22/G01 F 225,500.00 ZZ 360 225,370.26 1 8.750 1,774.01 103 8.500 1,774.01 1 MINNEAPOLIS MN 55406 1 10/01/01 23 0413054784 05 11/01/01 0 0413054784 O 10/01/31 0 5724138 E22/G01 F 137,500.00 ZZ 360 137,410.06 1 8.125 1,020.93 103 7.875 1,020.93 CHANDLER AZ 85225 1 09/26/01 23 0413063868 03 11/01/01 0 0413063868 O 10/01/31 0 5724142 E22/G01 F 213,500.00 ZZ 360 213,367.30 1 8.375 1,622.75 100 8.125 1,622.75 VISTA CA 92084 1 09/26/01 23 0413064890 05 11/01/01 0 0413064890 O 10/01/31 0 5724144 E22/G01 F 263,000.00 ZZ 360 262,827.96 1 8.125 1,952.77 100 7.625 1,952.77 VISTA CA 92083 1 09/26/01 23 0413065566 05 11/01/01 0 0413065566 O 10/01/31 0 5724147 E22/G01 F 169,990.00 ZZ 360 169,875.94 1 8.000 1,247.33 100 7.500 1,247.33 CYPRESS CA 90630 2 09/25/01 23 0413067968 01 11/01/01 0 0413067968 O 10/01/31 0 5724150 E22/G01 F 146,900.00 ZZ 360 146,801.43 1 8.000 1,077.90 100 7.750 1,077.90 VANCOUVER WA 98664 1 09/26/01 23 0413070277 05 11/01/01 0 0413070277 O 10/01/31 0 1 5724157 E22/G01 F 127,700.00 ZZ 360 127,626.53 1 8.750 1,004.62 95 8.500 1,004.62 AUSTIN TX 78704 1 09/28/01 23 0413076027 05 11/01/01 0 0413076027 N 10/01/31 0 5724161 E22/G01 F 187,000.00 ZZ 360 186,886.71 2 8.500 1,437.87 106 8.250 1,437.87 CHICAGO IL 60639 1 10/02/01 23 0413079773 05 11/01/01 0 0413079773 O 10/01/31 0 5724163 E22/G01 F 269,900.00 ZZ 360 269,792.75 1 10.500 2,468.88 100 10.250 2,468.88 PARKER CO 80138 1 10/01/01 23 0413080995 03 11/01/01 0 0413080995 O 10/01/31 0 5724167 E22/G01 F 236,215.00 ZZ 360 236,048.29 1 7.750 1,692.27 103 7.250 1,692.27 SANGER CA 93657 1 09/26/01 23 0413090408 05 11/01/01 0 0413090408 O 10/01/31 0 5724168 E22/G01 F 337,000.00 ZZ 360 336,779.55 1 8.125 2,502.22 107 7.625 2,502.22 SEATTLE WA 98115 1 09/26/01 23 0413093683 05 11/01/01 0 0413093683 O 10/01/31 0 5724632 K15/G01 F 205,000.00 ZZ 180 205,000.00 1 1 8.250 1,988.79 103 8.000 1,988.79 MIDDLETOWN RI 02842 5 10/04/01 23 0433281896 05 12/01/01 0 029705304198 O 11/01/16 0 5724744 B57/G01 F 110,000.00 ZZ 360 109,939.91 1 9.000 885.09 100 8.750 885.09 TWISP WA 98856 1 09/17/01 23 0433269628 05 11/01/01 0 2115087 O 10/01/31 0 5725156 624/G01 F 127,205.00 ZZ 360 127,205.00 1 8.250 955.65 103 8.000 955.65 MAGALIA CA 95954 1 10/04/01 23 0433285160 05 12/01/01 0 35300113773F O 11/01/31 0 5726041 K15/G01 F 129,900.00 ZZ 360 129,900.00 1 9.500 1,092.27 100 9.250 1,092.27 LEXINGTON SC 29072 5 10/05/01 23 0433262599 05 12/01/01 0 002305303832 O 11/01/31 0 5730817 964/G01 F 161,055.00 ZZ 360 160,959.91 1 8.625 1,252.67 100 8.375 1,252.67 MESA AZ 85212 1 09/25/01 23 0433227956 03 11/01/01 0 139468 O 10/01/31 0 5731824 K15/G01 F 104,000.00 ZZ 360 104,000.00 1 11.875 1,059.76 103 11.625 1,059.76 TIFFIN OH 44883 5 10/09/01 23 0433272317 05 12/01/01 0 1 028705303752 O 11/01/31 0 5732768 624/G01 F 134,355.00 ZZ 360 134,355.00 1 8.250 1,009.36 107 8.000 1,009.36 MERCED CA 95340 1 10/02/01 23 0433274008 05 12/01/01 0 43200110553F O 11/01/31 0 5734655 964/G01 F 155,000.00 ZZ 360 155,000.00 1 8.625 1,205.57 100 8.375 1,205.57 LAS VEGAS NV 89108 1 10/04/01 23 0433286432 03 12/01/01 0 153688 O 11/01/31 0 5736224 E22/G01 F 60,850.00 ZZ 360 60,814.99 1 8.750 478.71 99 8.500 478.71 LAGRANGE IN 46761 2 09/27/01 23 0413019779 05 11/01/01 0 0413019779 O 10/01/31 0 5736254 E22/G01 F 171,000.00 ZZ 360 170,869.04 1 8.625 1,330.02 101 8.125 1,330.02 NEWARK DE 19702 2 09/27/01 23 0413039462 05 11/01/01 0 0413039462 O 10/01/31 0 5736260 E22/G01 F 81,700.00 ZZ 360 81,653.00 1 8.750 642.73 95 8.250 642.73 PALM BEACH GARD FL 33410 1 10/02/01 23 0413040700 09 11/01/01 0 0413040700 N 10/01/31 0 1 5736262 E22/G01 F 93,000.00 ZZ 360 92,942.19 1 8.375 706.87 100 7.875 706.87 MEMPHIS TN 38141 5 09/27/01 23 0413041443 05 11/01/01 0 0413041443 O 10/01/31 0 5736284 E22/G01 F 59,740.00 ZZ 360 59,705.63 1 8.750 469.97 103 8.250 469.97 TAMPA FL 33614 1 10/02/01 23 0413050675 09 11/01/01 0 0413050675 O 10/01/31 0 5736288 E22/G01 F 103,600.00 ZZ 360 103,530.49 1 8.000 760.18 105 7.750 760.18 AMARILLO TX 79121 1 09/28/01 23 0413051806 01 11/01/01 0 0413051806 O 10/01/31 0 5736304 E22/G01 F 140,000.00 ZZ 360 139,912.98 1 8.375 1,064.10 100 7.875 1,064.10 BEAVERTON OR 97005 1 09/26/01 23 0413057548 05 11/01/01 0 0413057548 O 10/01/31 0 5736310 E22/G01 F 169,350.00 ZZ 360 169,247.41 1 8.500 1,302.15 100 8.000 1,302.15 MIDVALE UT 84047 1 09/28/01 23 0413059247 05 11/01/01 0 0413059247 O 10/01/31 0 5736320 E22/G01 F 78,570.00 ZZ 360 78,544.19 1 11.375 770.59 97 10.875 770.59 1 KANSAS CITY KS 66109 1 10/02/01 23 0413063793 05 11/01/01 0 0413063793 O 10/01/31 0 5736322 E22/G01 F 84,500.00 ZZ 360 84,450.11 1 8.625 657.23 107 8.375 657.23 KANSAS CITY MO 64129 5 09/27/01 23 0413064452 05 11/01/01 0 0413064452 O 10/01/31 0 5736328 E22/G01 F 103,000.00 ZZ 360 102,956.81 1 10.250 922.98 100 9.750 922.98 MACON GA 31204 1 10/02/01 23 0413065996 05 11/01/01 0 0413065996 O 10/01/31 0 5736332 E22/G01 F 257,850.00 ZZ 360 257,693.80 1 8.500 1,982.64 107 8.250 1,982.64 FARMINGTON MI 48335 2 09/27/01 23 0413067414 05 11/01/01 0 0413067414 O 10/01/31 0 5736362 E22/G01 F 99,500.00 ZZ 360 99,444.22 1 8.875 791.67 100 8.625 791.67 SAN ANTONIO TX 78217 1 10/02/01 23 0413086612 05 11/01/01 0 0413086612 O 10/01/31 0 5736364 E22/G01 F 44,175.00 ZZ 360 44,150.23 1 8.875 351.48 95 8.625 351.48 MEMPHIS TN 38108 1 10/02/01 23 0413087008 05 11/01/01 0 0413087008 N 10/01/31 0 1 5736374 E22/G01 F 170,650.00 ZZ 360 170,650.00 1 9.375 1,419.38 99 9.125 1,419.38 MOUNTLAKE TERRA WA 98043 1 10/01/01 23 0413105610 05 12/01/01 0 0413105610 O 11/01/31 0 5739656 N67/G01 F 131,950.00 ZZ 360 131,950.00 1 8.375 1,002.92 103 8.125 1,002.92 ST GEORGE UT 84770 1 10/05/01 23 0433278579 05 12/01/01 0 1160005567 O 11/01/31 0 5751000 K15/G01 F 89,600.00 ZZ 360 89,600.00 1 9.500 753.41 103 9.250 753.41 CLEVELAND OH 44111 5 10/08/01 23 0433281938 05 12/01/01 0 028705303767 O 11/01/31 0 5762948 664/G01 F 134,415.00 ZZ 360 134,269.88 1 11.000 1,280.07 103 10.750 1,280.07 RICHARDSON TX 75081 1 07/24/01 23 0433270519 05 09/01/01 0 0008245706 O 08/01/31 0 5763084 664/G01 F 271,050.00 ZZ 360 270,760.40 2 9.125 2,205.36 103 8.875 2,205.36 BRIDGEPORT CT 06606 1 08/24/01 23 0433235454 07 10/01/01 0 0008280661 O 09/01/31 0 5763426 664/G01 F 145,450.00 ZZ 360 145,359.59 1 1 8.375 1,105.53 107 8.125 1,105.53 PORTLAND OR 97219 1 09/06/01 23 0433268406 05 11/01/01 0 0008336463 O 10/01/31 0 5767220 E22/G01 F 70,000.00 ZZ 360 69,962.75 1 9.125 569.54 100 8.875 569.54 NEW ORLEANS LA 70119 1 10/03/01 23 0412923450 05 11/01/01 0 0412923450 O 10/01/31 0 5767230 E22/G01 F 147,800.00 ZZ 360 147,745.85 1 10.875 1,393.59 103 10.375 1,393.59 GREAT FALLS MT 59405 1 09/28/01 23 0412953440 05 11/01/01 0 0412953440 O 10/01/31 0 5767238 E22/G01 F 49,400.00 ZZ 360 49,373.02 1 9.000 397.48 95 8.750 397.48 KANSAS CITY MO 64128 1 10/03/01 23 0412964462 05 11/01/01 0 0412964462 N 10/01/31 0 5767256 E22/G01 F 55,100.00 ZZ 360 55,069.90 1 9.000 443.35 95 8.500 443.35 OKLAHOMA CITY OK 73127 1 10/03/01 23 0412982985 05 11/01/01 0 0412982985 O 10/01/31 0 5767276 E22/G01 F 49,400.00 ZZ 360 49,370.83 1 8.625 384.23 95 8.375 384.23 KANSAS CITY MO 64130 1 10/03/01 23 0413005091 05 11/01/01 0 1 0413005091 N 10/01/31 0 5767354 E22/G01 F 77,250.00 ZZ 360 77,220.92 1 10.750 721.11 103 10.250 721.11 TACOMA WA 98405 1 09/25/01 23 0413037433 05 11/01/01 0 0413037433 O 10/01/31 0 5767366 E22/G01 F 267,800.00 ZZ 360 267,699.18 1 10.750 2,499.86 103 10.250 2,499.86 CHERRY HILL NJ 08003 5 09/28/01 23 0413044843 05 11/01/01 0 0413044843 O 10/01/31 0 5767370 E22/G01 F 76,200.00 ZZ 360 76,170.53 1 10.625 704.16 103 10.125 704.16 OMAHA NE 68104 1 10/03/01 23 0413045592 05 11/01/01 0 0413045592 O 10/01/31 0 5767398 E22/G01 F 140,000.00 ZZ 360 139,941.29 1 10.250 1,254.54 100 9.750 1,254.54 STONE MOUNTAIN GA 30088 1 10/03/01 23 0413065970 05 11/01/01 0 0413065970 O 10/01/31 0 5767414 E22/G01 F 44,805.00 ZZ 360 44,780.53 1 9.000 360.51 103 8.500 360.51 ALPINE TX 79830 1 10/02/01 23 0413070368 05 11/01/01 0 0413070368 O 10/01/31 0 1 5767422 E22/G01 F 39,900.00 ZZ 360 39,876.44 1 8.625 310.34 95 8.375 310.34 KANSAS CITY MO 64127 1 10/03/01 23 0413072109 05 11/01/01 0 0413072109 N 10/01/31 0 5767424 E22/G01 F 39,425.00 ZZ 360 39,401.73 1 8.625 306.64 95 8.375 306.64 KANSAS CITY MO 64127 1 10/03/01 23 0413072117 05 11/01/01 0 0413072117 N 10/01/31 0 5767426 E22/G01 F 380,000.00 ZZ 360 379,745.02 1 8.000 2,788.31 100 7.750 2,788.31 CONCORD CA 94518 1 09/25/01 23 0413072349 03 11/01/01 0 0413072349 O 10/01/31 0 5767460 E22/G01 F 127,720.00 ZZ 360 127,638.56 1 8.250 959.52 103 8.000 959.52 MIAMI BEACH FL 33139 1 10/03/01 23 0413082462 01 11/01/01 0 0413082462 O 10/01/31 0 5767464 E22/G01 F 272,782.00 ZZ 360 272,654.73 1 9.750 2,343.62 103 9.500 2,343.62 MAPLE VALLEY WA 98038 1 09/27/01 23 0413083270 03 11/01/01 0 0413083270 O 10/01/31 0 5785330 E22/G01 F 97,850.00 ZZ 360 97,821.22 1 11.875 997.09 103 11.375 997.09 1 BUTLER AL 36904 1 10/04/01 23 0412814444 05 11/01/01 0 0412814444 O 10/01/31 0 5785366 E22/G01 F 230,585.00 ZZ 360 230,345.31 1 8.500 1,773.00 107 8.000 1,773.00 CANYON COUNTRY CA 91351 1 09/24/01 23 0413026493 05 11/01/01 0 0413026493 O 10/01/31 0 5785370 E22/G01 F 110,350.00 ZZ 360 110,306.15 1 10.500 1,009.41 99 10.250 1,009.41 MEMPHIS TN 38115 5 09/29/01 23 0413029174 05 11/01/01 0 0413029174 O 10/01/31 0 5785416 E22/G01 F 140,600.00 ZZ 360 140,523.20 1 9.000 1,131.30 95 8.750 1,131.30 AUSTIN TX 78757 1 09/26/01 23 0413065947 05 11/01/01 0 0413065947 N 10/01/31 0 5785428 E22/G01 F 123,600.00 ZZ 360 123,534.23 2 9.125 1,005.65 103 8.875 1,005.65 CHICAGO IL 60620 1 10/04/01 23 0413086398 05 11/01/01 0 0413086398 O 10/01/31 0 5785434 E22/G01 F 150,000.00 ZZ 360 149,920.18 1 9.125 1,220.45 100 8.875 1,220.45 ARLINGTON TX 76012 1 10/02/01 23 0413092792 05 11/01/01 0 0413092792 O 10/01/31 0 1 5785442 E22/G01 F 184,575.00 ZZ 360 184,575.00 1 8.125 1,370.46 107 7.875 1,370.46 KENNER LA 70065 1 10/04/01 23 0413106113 05 12/01/01 0 0413106113 O 11/01/31 0 5797178 642/G01 F 77,040.00 ZZ 360 77,040.00 1 8.500 592.37 107 8.250 592.37 DELRAY BEACH FL 33445 1 10/03/01 23 0433256344 01 12/01/01 0 07106801 O 11/01/31 0 5801634 N46/G01 F 190,550.00 ZZ 360 190,451.21 1 9.250 1,567.61 103 9.000 1,567.61 CHARLOTTE NC 28213 1 10/02/01 23 0433255296 05 11/01/01 0 105642 O 10/01/31 0 5807212 624/G01 F 87,300.00 ZZ 360 87,300.00 1 10.000 766.12 97 9.750 766.12 VICTORVILLE CA 92392 1 09/27/01 23 0433282563 05 12/01/01 0 34071810623F O 11/01/31 0 5811716 E22/G01 F 144,700.00 ZZ 360 144,700.00 1 8.500 1,112.62 106 8.250 1,112.62 NOKOMIS FL 34275 1 10/05/01 23 0412988388 05 12/01/01 0 0412988388 O 11/01/31 0 5811732 E22/G01 F 299,900.00 ZZ 360 299,736.19 1 1 9.000 2,413.06 100 8.750 2,413.06 WEST BARNSTABLE MA 02668 1 10/05/01 23 0413007501 05 11/01/01 0 0413007501 O 10/01/31 0 5811738 E22/G01 F 88,000.00 ZZ 360 87,949.37 1 8.750 692.30 100 8.250 692.30 PALM BEACH GARD FL 33418 1 10/05/01 23 0413009382 07 11/01/01 0 0413009382 O 10/01/31 0 5811754 E22/G01 F 339,550.00 ZZ 360 339,359.65 1 8.875 2,701.61 99 8.625 2,701.61 SCHAUMBURG IL 60193 1 10/05/01 23 0413023607 05 11/01/01 0 0413023607 O 10/01/31 0 5811778 E22/G01 F 44,150.00 ZZ 360 44,150.00 1 9.000 355.24 95 8.500 355.24 MEMPHIS TN 38127 1 10/04/01 23 0413035403 05 12/01/01 0 0413035403 N 11/01/31 0 5811784 E22/G01 F 87,500.00 ZZ 360 87,446.99 1 8.500 672.80 100 8.000 672.80 HALLANDALE FL 33009 1 10/05/01 23 0413035916 01 11/01/01 0 0413035916 O 10/01/31 0 5811788 E22/G01 F 156,000.00 ZZ 360 156,000.00 1 8.500 1,199.51 104 8.250 1,199.51 SEVIERVILLE TN 37862 1 10/05/01 23 0413037094 05 12/01/01 0 1 0413037094 O 11/01/31 0 5811796 E22/G01 F 123,260.00 ZZ 360 123,185.33 1 8.500 947.76 98 8.250 947.76 PACIFIC MO 63069 9 10/01/01 23 0413039793 05 11/01/01 0 0413039793 O 10/01/31 0 5811832 E22/G01 F 90,640.00 ZZ 360 90,605.87 1 10.750 846.11 103 10.250 846.11 YUKON OK 73099 1 10/05/01 23 0413055831 05 11/01/01 0 0413055831 O 10/01/31 0 5811840 E22/G01 F 178,150.00 ZZ 360 178,069.07 1 9.875 1,546.96 103 9.625 1,546.96 WOODRIDGE IL 60517 5 10/01/01 23 0413058371 05 11/01/01 0 0413058371 O 10/01/31 0 5811842 E22/G01 F 133,000.00 ZZ 360 132,910.76 1 8.000 975.91 107 7.750 975.91 CRESTWOOD KY 40014 2 10/01/01 23 0413059023 05 11/01/01 0 0413059023 O 10/01/31 0 5811866 E22/G01 F 130,150.00 ZZ 360 130,098.28 1 10.500 1,190.53 99 10.000 1,190.53 CHICAGO IL 60655 1 10/05/01 23 0413073370 05 11/01/01 0 0413073370 O 10/01/31 0 1 5811890 E22/G01 F 171,638.00 ZZ 360 171,638.00 1 9.625 1,458.90 100 9.375 1,458.90 GLENDALE AZ 85310 1 10/03/01 23 0413081274 03 12/01/01 0 0413081274 O 11/01/31 0 5811896 E22/G01 F 157,000.00 ZZ 360 157,000.00 1 8.250 1,179.49 106 8.000 1,179.49 SPRING TX 77379 1 10/04/01 23 0413082215 03 12/01/01 0 0413082215 O 11/01/31 0 5811928 E22/G01 F 98,900.00 ZZ 360 98,833.64 1 8.000 725.69 100 7.500 725.69 CEDAR HILL TX 75104 1 10/09/01 23 0413093998 05 11/01/01 0 0413093998 O 10/01/31 0 5811932 E22/G01 F 239,827.00 ZZ 360 239,827.00 1 8.375 1,822.86 95 7.875 1,822.86 SAN DIEGO CA 92117 1 10/03/01 23 0413100546 05 12/01/01 0 0413100546 O 11/01/31 0 5811934 E22/G01 F 101,970.00 ZZ 360 101,912.58 1 9.375 848.13 103 9.125 848.13 SALT LAKE CITY UT 84111 1 10/03/01 23 0413101726 05 11/01/01 0 0413101726 O 10/01/31 0 5811938 E22/G01 F 74,000.00 ZZ 360 74,000.00 1 8.375 562.45 106 7.875 562.45 1 AMARILLO TX 79103 1 10/05/01 23 0413104043 05 12/01/01 0 0413104043 O 11/01/31 0 5811940 E22/G01 F 134,950.00 ZZ 360 134,950.00 1 7.875 978.48 100 7.625 978.48 LEE'S SUMMIT MO 64063 1 10/08/01 23 0413105727 05 12/01/01 0 0413105727 O 11/01/31 0 5811954 E22/G01 F 185,400.00 ZZ 360 185,301.33 1 9.125 1,508.48 103 8.875 1,508.48 LAUREL MD 20724 1 10/05/01 23 0413118647 09 11/01/01 0 0413118647 O 10/01/31 0 5812678 Q78/G01 F 126,475.00 ZZ 360 126,396.38 1 8.375 961.31 106 8.125 961.31 CLEONA PA 17042 2 09/20/01 23 0433251758 05 11/01/01 0 691462 O 10/01/31 0 5813064 Q78/G01 F 69,550.00 ZZ 360 69,550.00 1 8.950 557.12 107 8.700 557.12 FREEPORT IL 61032 2 09/28/01 23 0433277142 05 12/01/01 0 692881 O 11/01/31 0 5820010 664/G01 F 123,050.00 T 360 122,853.45 1 9.250 1,012.31 100 9.000 1,012.31 INYOKERN CA 93527 1 07/25/01 23 0433281128 05 09/01/01 0 0008237356 O 08/01/31 0 1 5827208 Q64/G01 F 150,400.00 ZZ 360 150,313.47 1 8.750 1,183.20 100 8.500 1,183.20 HOLIDAY FL 34691 1 09/28/01 23 0433276573 03 11/01/01 0 0102254406 O 10/01/31 0 5828036 Q64/G01 F 240,000.00 ZZ 360 239,872.28 1 9.125 1,952.72 100 8.875 1,952.72 ORLANDO FL 32828 1 09/28/01 23 0433276706 03 11/01/01 0 0102434800 O 10/01/31 0 5830860 Q64/G01 F 157,150.00 ZZ 360 157,049.79 1 8.250 1,180.62 107 8.000 1,180.62 JUPITER FL 33458 1 09/27/01 23 0433276615 05 11/01/01 0 0102313103 O 10/01/31 0 5835852 E82/G01 F 89,600.00 ZZ 360 89,572.14 1 11.625 895.86 103 11.375 895.86 SEQUIM WA 98382 5 09/27/01 23 0400450789 05 11/01/01 0 0400450789 O 10/01/31 0 5837490 K15/G01 F 79,800.00 ZZ 360 79,800.00 1 12.000 820.83 103 11.750 820.83 WHITE PIGEON MI 49099 5 10/10/01 23 0433272911 05 12/01/01 0 035905304209 O 11/01/31 0 5851414 P23/G01 F 299,600.00 ZZ 360 299,600.00 1 1 8.490 2,301.54 107 8.240 2,301.54 WEBSTER NY 14580 2 10/04/01 23 0433276557 05 12/01/01 0 WTL010003131 O 11/01/31 0 5852802 W33/G01 F 42,816.00 ZZ 360 42,790.72 1 8.625 333.02 107 8.375 333.02 MARION IN 46952 1 10/03/01 23 0433269479 05 11/02/01 0 0127416 O 10/02/31 0 5860340 E22/G01 F 151,050.00 ZZ 360 150,967.49 1 9.000 1,215.39 95 8.750 1,215.39 BIRMINGHAM MI 48009 1 09/26/01 23 0412958001 05 11/01/01 0 0412958001 N 10/01/31 0 5860390 E22/G01 F 52,100.00 ZZ 360 52,100.00 1 8.750 409.87 103 8.500 409.87 RAYTOWN MO 64138 1 10/09/01 23 0413023227 05 12/01/01 0 0413023227 O 11/01/31 0 5860440 E22/G01 F 250,000.00 ZZ 360 250,000.00 1 8.125 1,856.24 100 7.625 1,856.24 KAILUA HI 96734 1 10/05/01 23 0413046137 05 12/01/01 0 0413046137 O 11/01/31 0 5860454 E22/G01 F 197,750.00 ZZ 360 197,679.49 1 11.000 1,883.22 103 10.500 1,883.22 CHARLOTTE NC 28270 9 10/01/01 23 0413049743 05 11/01/01 0 1 0413049743 O 10/01/31 0 5860464 E22/G01 F 169,950.00 ZZ 360 169,950.00 1 9.250 1,398.14 103 9.000 1,398.14 WOODLAND PARK CO 80866 1 10/09/01 23 0413052739 05 12/01/01 0 0413052739 O 11/01/31 0 5860468 E22/G01 F 180,000.00 ZZ 360 180,000.00 1 8.250 1,352.28 105 8.000 1,352.28 LAKE ARIEL PA 18436 1 10/09/01 23 0413053984 03 12/01/01 0 0413053984 O 11/01/31 0 5860490 E22/G01 F 143,200.00 ZZ 360 143,200.00 1 8.250 1,075.81 100 7.750 1,075.81 ELLENSBURG WA 98926 1 10/03/01 23 0413066291 05 12/01/01 0 0413066291 O 11/01/31 0 5860494 E22/G01 F 178,190.00 ZZ 360 178,190.00 1 11.000 1,696.95 103 10.500 1,696.95 LOVELAND CO 80538 1 10/09/01 23 0413068032 05 12/01/01 0 0413068032 O 11/01/31 0 5860514 E22/G01 F 89,900.00 ZZ 360 89,900.00 1 8.625 699.23 100 8.375 699.23 CHICAGO IL 60636 1 10/09/01 23 0413073800 05 12/01/01 0 0413073800 O 11/01/31 0 1 5860520 E22/G01 F 68,500.00 ZZ 360 68,458.50 1 8.500 526.71 104 8.250 526.71 DANBURY TX 77534 1 10/08/01 23 0413076720 05 11/01/01 0 0413076720 O 10/01/31 0 5860544 E22/G01 F 177,500.00 ZZ 360 177,500.00 1 8.250 1,333.50 99 8.000 1,333.50 HENDERSON NV 89014 2 10/01/01 23 0413082116 03 12/01/01 0 0413082116 O 11/01/31 0 5860592 E22/G01 F 78,018.00 ZZ 360 78,018.00 1 9.000 627.75 100 8.500 627.75 SPRING TX 77373 1 10/09/01 23 0413103631 03 12/01/01 0 0413103631 O 11/01/31 0 5860596 E22/G01 F 122,502.00 ZZ 360 122,502.00 1 9.000 985.68 95 8.750 985.68 CEDAR HILL TX 75104 1 10/08/01 23 0413106337 05 12/01/01 0 0413106337 N 11/01/31 0 5860600 E22/G01 F 113,850.00 ZZ 360 113,850.00 1 8.375 865.34 99 8.125 865.34 DENVER CO 80204 1 10/09/01 23 0413109570 01 12/01/01 0 0413109570 O 11/01/31 0 5860616 E22/G01 F 277,500.00 ZZ 360 277,500.00 1 8.750 2,183.09 100 8.500 2,183.09 1 SAN ANTONIO TX 78255 1 10/09/01 23 0413114166 03 12/01/01 0 0413114166 O 11/01/31 0 5860830 J95/G01 F 230,250.00 ZZ 360 230,095.50 1 8.000 1,689.50 100 7.750 1,689.50 LYNNWOOD WA 98036 1 09/26/01 23 0433265642 03 11/01/01 0 0027323856 O 10/01/31 0 5865338 W78/G01 F 151,000.00 ZZ 360 150,811.63 1 8.375 1,147.71 100 8.125 1,147.71 MARIETTA GA 30066 1 08/28/01 23 0433265535 05 10/01/01 0 50009194 O 09/01/31 0 5866604 W78/G01 F 72,000.00 ZZ 360 71,974.33 1 11.000 685.67 100 10.750 685.67 CHATTANOOGA TN 37412 1 09/13/01 23 0433279825 05 11/01/01 0 500102019 O 10/01/31 0 5867320 W78/G01 F 198,300.00 ZZ 360 198,058.88 1 8.500 1,524.76 103 8.250 1,524.76 ACWORTH GA 30101 5 08/10/01 23 0433267804 03 10/01/01 0 50007581 O 09/01/31 0 5871820 U05/G01 F 217,391.00 ZZ 360 217,265.92 1 8.750 1,710.22 100 8.500 1,710.22 ANTELOPE CA 94843 1 09/28/01 23 0433279411 05 11/01/01 0 3155340 O 10/01/31 0 1 5886846 E22/G01 F 101,800.00 ZZ 360 101,800.00 1 8.750 800.86 104 8.250 800.86 PORT ST LUCIE FL 34953 1 10/10/01 23 0413020397 05 12/01/01 0 0413020397 O 11/01/31 0 5886852 E22/G01 F 69,000.00 ZZ 360 69,000.00 1 9.250 567.65 103 8.750 567.65 PORT SAINT LUCI FL 34983 1 10/10/01 23 0413027699 05 12/01/01 0 0413027699 O 11/01/31 0 5886874 E22/G01 F 71,997.00 ZZ 360 71,997.00 1 9.125 585.79 103 8.875 585.79 NORTH POLE AK 99705 1 10/04/01 23 0413051848 05 12/01/01 0 0413051848 O 11/01/31 0 5886888 E22/G01 F 92,800.00 ZZ 360 92,800.00 1 8.750 730.06 106 8.250 730.06 PORT SAINT LUCI FL 34953 1 10/10/01 23 0413060005 05 12/01/01 0 0413060005 O 11/01/31 0 5886970 E22/G01 F 130,800.00 ZZ 360 130,800.00 1 10.375 1,184.27 103 9.875 1,184.27 FAIRFAX VA 20110 1 10/05/01 23 0413098286 01 12/01/01 0 0413098286 O 11/01/31 0 5886986 E22/G01 F 89,095.00 ZZ 360 89,095.00 1 1 9.250 732.96 103 9.000 732.96 KEMMERER WY 83101 1 10/10/01 23 0413117029 05 12/01/01 0 0413117029 O 11/01/31 0 5886994 E22/G01 F 115,850.00 ZZ 360 115,850.00 1 8.625 901.07 103 8.125 901.07 CEDAR HILL TX 75104 1 10/10/01 23 0413137258 05 12/01/01 0 0413137258 O 11/01/31 0 5886996 E22/G01 F 137,750.00 ZZ 360 137,750.00 1 9.000 1,108.37 95 8.750 1,108.37 OXFORD MI 48359 1 10/10/01 23 0413139659 05 12/01/01 0 0413139569 N 11/01/31 0 5910508 E22/G01 F 99,750.00 ZZ 360 99,750.00 1 9.000 802.61 95 8.750 802.61 EASTPOINTE MI 48021 1 10/11/01 23 0413048588 05 12/01/01 0 0413048588 N 11/01/31 0 5910542 E22/G01 F 49,400.00 ZZ 360 49,400.00 1 9.000 397.48 95 8.750 397.48 SOUTH BEND IN 46615 1 10/11/01 23 0413066747 05 12/01/01 0 0413066747 N 11/01/31 0 5910556 E22/G01 F 115,000.00 ZZ 360 115,000.00 1 8.250 863.96 107 7.750 863.96 SACRAMENTO CA 95828 1 10/01/01 23 0413073255 05 12/01/01 0 1 0413073255 O 11/01/31 0 5910594 E22/G01 F 148,500.00 ZZ 360 148,500.00 1 8.000 1,089.64 99 7.750 1,089.64 WEST JORDAN UT 84084 9 10/05/01 23 0413085291 05 12/01/01 0 0413085291 O 11/01/31 0 5910604 E22/G01 F 56,135.00 ZZ 360 56,135.00 1 9.250 461.81 103 8.750 461.81 NEW PORT RICHEY FL 34653 1 10/11/01 23 0413092297 01 12/01/01 0 0413092297 O 11/01/31 0 5910622 E22/G01 F 149,800.00 ZZ 360 149,800.00 1 8.750 1,178.48 100 8.500 1,178.48 SPOKANE WA 99208 1 10/04/01 23 0413097494 05 12/01/01 0 0413097494 O 11/01/31 0 5910626 E22/G01 F 69,550.00 ZZ 360 69,550.00 1 8.500 534.78 107 8.000 534.78 HOLLYWOOD FL 33023 1 10/11/01 23 0413098864 05 12/01/01 0 0413098864 O 11/01/31 0 5910638 E22/G01 F 103,200.00 ZZ 360 103,200.00 1 8.125 766.26 105 7.875 766.26 PARADISE CA 95969 1 09/28/01 23 0413103854 05 12/01/01 0 0413103854 O 11/01/31 0 1 5910660 E22/G01 F 80,750.00 ZZ 360 80,750.00 1 8.500 620.90 95 8.250 620.90 CINCINNATI OH 45219 1 10/11/01 23 0413118134 05 12/01/01 0 0413118134 N 11/01/31 0 5910668 E22/G01 F 174,843.00 ZZ 360 174,843.00 1 8.500 1,344.39 103 8.000 1,344.39 STOCKTON CA 95210 1 10/05/01 23 0413134537 05 12/01/01 0 0413134537 O 11/01/31 0 5914262 B28/G01 F 245,000.00 ZZ 360 244,888.69 1 9.875 2,127.46 100 9.625 2,127.46 NORTH AURORA IL 60542 2 09/24/01 23 0433282258 05 11/01/01 0 0105020011 O 10/01/31 0 5924700 624/G01 F 154,750.00 ZZ 360 154,750.00 1 8.250 1,162.59 100 8.000 1,162.59 SHELTON WA 98584 1 10/03/01 23 0433273927 03 12/01/01 0 81700115133F O 11/01/31 0 5935036 E22/G01 F 118,550.00 ZZ 360 118,550.00 2 10.375 1,073.36 100 9.875 1,073.36 LINDEN MI 48451 1 10/12/01 23 0413039900 05 12/01/01 0 0413039900 O 11/01/31 0 5935040 E22/G01 F 94,160.00 ZZ 360 94,160.00 1 7.500 658.38 107 7.000 658.38 1 MIAMI FL 33183 1 10/12/01 23 0413042334 01 12/01/01 0 0413042334 O 11/01/31 0 5935050 E22/G01 F 55,000.00 ZZ 360 55,000.00 1 9.125 447.50 100 8.875 447.50 LADSON SC 29456 1 10/12/01 23 0413051889 05 12/01/01 0 0413051889 O 11/01/31 0 5935060 E22/G01 F 96,300.00 ZZ 360 96,300.00 1 8.500 740.46 107 8.250 740.46 OWINGS MILLS MD 21117 1 10/12/01 23 0413059205 01 12/01/01 0 0413059205 O 11/01/31 0 5935078 E22/G01 F 84,460.00 ZZ 360 84,460.00 1 9.875 733.41 103 9.375 733.41 MIAMI FL 33142 1 10/12/01 23 0413072505 05 12/01/01 0 0413072505 O 11/01/31 0 5935086 E22/G01 F 231,600.00 ZZ 360 231,600.00 1 8.750 1,822.00 100 8.500 1,822.00 CLACKAMAS OR 97015 1 10/08/01 23 0413077538 05 12/01/01 0 0413077538 O 11/01/31 0 5935110 E22/G01 F 344,000.00 ZZ 360 344,000.00 1 7.500 2,405.30 106 7.000 2,405.30 SAN MARCOS CA 92069 1 10/10/01 23 0413087719 03 12/01/01 0 0413087719 O 11/01/31 0 1 5935114 E22/G01 F 139,300.00 ZZ 360 139,300.00 1 8.000 1,022.13 105 7.750 1,022.13 SEDRO WOOLLEY WA 98284 1 10/04/01 23 0413091083 03 12/01/01 0 0413091083 O 11/01/31 0 5935152 E22/G01 F 144,827.00 ZZ 360 144,827.00 1 9.000 1,165.31 95 8.750 1,165.31 LANCASTER TX 75146 1 10/09/01 23 0413106386 05 12/01/01 0 0413106386 N 11/01/31 0 5935162 E22/G01 F 235,400.00 ZZ 360 235,400.00 1 7.875 1,706.81 107 7.375 1,706.81 CRAWFORDVILLE FL 32327 5 10/08/01 23 0413108242 05 12/01/01 0 0413108242 O 11/01/31 0 5935164 E22/G01 F 150,000.00 ZZ 360 150,000.00 1 9.000 1,206.93 100 8.750 1,206.93 CLARKSTON MI 48346 1 10/12/01 23 0413110511 05 12/01/01 0 0413110511 O 11/01/31 0 5935184 E22/G01 F 212,700.00 ZZ 360 212,700.00 1 7.875 1,542.22 104 7.375 1,542.22 AMARILLO TX 79102 1 10/09/01 23 0413118738 05 12/01/01 0 0413118738 O 11/01/31 0 5935200 E22/G01 F 306,000.00 ZZ 360 306,000.00 1 1 9.125 2,489.72 100 8.625 2,489.72 BYRON CA 94514 1 10/09/01 23 0413130790 05 12/01/01 0 0413130790 O 11/01/31 0 5935202 E22/G01 F 130,600.00 ZZ 360 130,600.00 1 8.875 1,039.11 95 8.625 1,039.11 BURTON MI 48529 1 10/12/01 23 0413130832 05 12/01/01 0 0413130832 O 11/01/31 0 5935212 E22/G01 F 80,700.00 ZZ 360 80,700.00 1 8.250 606.27 95 8.000 606.27 NORTH HIGHLANDS CA 95660 1 10/10/01 23 0413145954 05 12/01/01 0 0413145954 N 11/01/31 0 5938846 Q78/G01 F 112,350.00 ZZ 360 112,350.00 1 8.990 903.19 106 8.740 903.19 DALLAS NC 28034 2 10/05/01 23 0433268844 05 12/01/01 0 694923 O 11/01/31 0 5958732 U05/G01 F 187,000.00 ZZ 360 187,000.00 1 9.000 1,504.64 100 8.750 1,504.64 CHICAGO IL 60639 1 10/08/01 23 0433282282 05 12/01/01 0 3167118 O 11/01/31 0 5961372 E22/G01 F 185,000.00 ZZ 360 185,000.00 1 8.875 1,471.94 100 8.625 1,471.94 DORCHESTER MA 02124 1 10/15/01 23 0413059163 05 12/01/01 0 1 0413059163 O 11/01/31 0 5961384 E22/G01 F 85,600.00 ZZ 360 85,600.00 1 8.625 665.79 107 8.125 665.79 GRAND ISLAND NE 68803 2 10/10/01 23 0413065921 05 12/01/01 0 0413065921 O 11/01/31 0 5961408 E22/G01 F 129,900.00 ZZ 360 129,900.00 1 10.625 1,200.40 97 10.125 1,200.40 SOUTH HOLLAND IL 60473 1 10/15/01 23 0413078924 05 12/01/01 0 0413078924 O 11/01/31 0 5961412 E22/G01 F 92,000.00 ZZ 360 92,000.00 1 8.250 691.17 107 7.750 691.17 SALEM OR 97304 1 10/09/01 23 0413080078 05 12/01/01 0 0413080078 O 11/01/31 0 5961460 E22/G01 F 89,500.00 ZZ 360 89,500.00 1 8.625 696.12 100 8.375 696.12 HOUSTON TX 77065 1 10/15/01 23 0413099474 03 12/01/01 0 0413099474 O 11/01/31 0 5961486 E22/G01 F 82,150.00 T 360 82,150.00 1 8.500 631.66 99 8.250 631.66 FLORENCE AL 35630 1 10/15/01 23 0413106931 05 12/01/01 0 0413106931 O 11/01/31 0 1 5961500 E22/G01 F 80,750.00 ZZ 360 80,750.00 1 9.125 657.01 95 8.875 657.01 LAKELAND FL 33813 1 10/15/01 23 0413112988 05 12/01/01 0 0413112988 O 11/01/31 0 5961502 E22/G01 F 152,440.00 ZZ 360 152,440.00 1 10.000 1,337.77 100 9.750 1,337.77 MIAMI FL 33157 5 10/10/01 23 0413113689 05 12/01/01 0 0413113689 O 11/01/31 0 5961516 E22/G01 F 111,240.00 ZZ 360 111,240.00 1 8.000 816.24 103 7.750 816.24 ALBUQUERQUE NM 87109 1 10/10/01 23 0413116328 05 12/01/01 0 0413116328 O 11/01/31 0 5961532 E22/G01 F 133,750.00 ZZ 360 133,750.00 1 8.750 1,052.21 107 8.500 1,052.21 KENNEWICK WA 99336 5 10/05/01 23 0413120916 05 12/01/01 0 0413120916 O 11/01/31 0 5961536 E22/G01 F 199,700.00 ZZ 360 199,700.00 1 8.125 1,482.77 104 7.625 1,482.77 ELK GROVE CA 95624 1 10/04/01 23 0413121013 05 12/01/01 0 0413121013 O 11/01/31 0 5961546 E22/G01 F 172,500.00 ZZ 360 172,500.00 2 8.000 1,265.74 105 7.750 1,265.74 1 FT LAUDERDALE FL 33334 1 10/15/01 23 0413124165 05 12/01/01 0 0413124165 O 11/01/31 0 5961552 E22/G01 F 83,650.00 ZZ 360 83,650.00 1 8.625 650.62 99 8.375 650.62 FORT WAYNE IN 46815 1 10/15/01 23 0413124629 05 12/01/01 0 0413124629 O 11/01/31 0 5961562 E22/G01 F 122,570.00 ZZ 360 122,570.00 1 8.875 975.22 103 8.375 975.22 LAKE WORTH FL 33460 1 10/15/01 23 0413132432 05 12/01/01 0 0413132432 O 11/01/31 0 5961564 E22/G01 F 169,050.00 ZZ 360 169,050.00 1 8.250 1,270.02 107 8.000 1,270.02 SACRAMENTO CA 95818 1 10/09/01 23 0413133562 05 12/01/01 0 0413133562 O 11/01/31 0 5961572 E22/G01 F 267,500.00 ZZ 360 267,500.00 1 8.125 1,986.18 107 7.625 1,986.18 ROSEBURG OR 97470 1 10/10/01 23 0413152208 05 12/01/01 0 0413152208 O 11/01/31 0 5985990 E22/G01 F 115,360.00 ZZ 360 115,360.00 1 9.625 980.55 103 9.125 980.55 PROVO UT 84601 1 10/05/01 23 0413059445 01 12/01/01 0 0413059445 O 11/01/31 0 1 5986024 E22/G01 F 220,180.00 T 360 220,180.00 1 8.000 1,615.60 104 7.750 1,615.60 PHOENIX AZ 85040 1 10/09/01 23 0413081670 03 12/01/01 0 0413081670 O 11/01/31 0 5986026 E22/G01 F 113,200.00 ZZ 360 113,200.00 1 8.625 880.46 103 8.125 880.46 SACRAMENTO CA 95815 1 10/11/01 23 0413082249 05 12/01/01 0 0413082249 O 11/01/31 0 5986054 E22/G01 F 182,150.00 ZZ 360 182,150.00 1 10.875 1,717.47 99 10.375 1,717.47 SANDY UT 84092 1 10/10/01 23 0413094277 05 12/01/01 0 0413094277 O 11/01/31 0 5986068 E22/G01 F 41,000.00 ZZ 360 41,000.00 1 8.500 315.25 92 8.250 315.25 OMAHA NE 68108 1 10/16/01 23 0413100835 05 12/01/01 0 0413100835 N 11/01/31 0 5986084 E22/G01 F 109,250.00 ZZ 360 109,250.00 1 8.750 859.47 95 8.500 859.47 SPRINGFIELD OR 97477 1 10/11/01 23 0413107244 05 12/01/01 0 0413107244 O 11/01/31 0 5986092 E22/G01 F 185,800.00 ZZ 360 185,800.00 1 1 8.000 1,363.33 107 7.500 1,363.33 RENO NV 89502 2 10/02/01 23 0413112368 03 12/01/01 0 0413112368 O 11/01/31 0 5986112 E22/G01 F 182,000.00 ZZ 360 182,000.00 1 9.000 1,464.41 100 8.750 1,464.41 BELLINGHAM WA 98226 1 10/11/01 23 0413123159 05 12/01/01 0 0413123159 O 11/01/31 0 5986136 E22/G01 F 250,000.00 ZZ 360 250,000.00 1 8.625 1,944.47 100 8.375 1,944.47 FELTON CA 95018 1 10/10/01 23 0413129370 05 12/01/01 0 0413129370 O 11/01/31 0 5986150 E22/G01 F 79,073.00 ZZ 360 79,073.00 1 8.500 608.00 107 8.250 608.00 PHILADELPHIA PA 19149 1 10/16/01 23 0413133224 07 12/01/01 0 0413133224 O 11/01/31 0 5986162 E22/G01 F 208,200.00 ZZ 360 208,200.00 1 8.000 1,527.70 104 7.500 1,527.70 RIDGEFIELD WA 98642 1 10/11/01 23 0413142910 05 12/01/01 0 0413142910 O 11/01/31 0 5986172 E22/G01 F 92,550.00 ZZ 360 92,550.00 1 11.000 881.38 103 10.500 881.38 EMPIRE AL 35063 1 10/16/01 23 0413145517 05 12/01/01 0 1 0413145517 O 11/01/31 0 5986184 E22/G01 F 154,912.00 ZZ 360 154,912.00 1 7.750 1,109.81 103 7.250 1,109.81 TAMPA FL 33625 1 10/16/01 23 0413153446 09 12/01/01 0 0413153446 O 11/01/31 0 6010846 E22/G01 F 99,900.00 ZZ 360 99,900.00 1 10.500 913.82 100 10.000 913.82 MOULTON AL 35650 1 10/17/01 23 0412530271 05 12/01/01 0 0412530271 O 11/01/31 0 6010892 E22/G01 F 256,800.00 T 360 256,800.00 1 8.500 1,974.57 107 8.250 1,974.57 SANTEE CA 92071 1 10/02/01 23 0413030511 05 12/01/01 0 0413030511 O 11/01/31 0 6010904 E22/G01 F 157,590.00 ZZ 360 157,590.00 1 9.500 1,325.10 103 9.250 1,325.10 ELLISVILLE MO 63021 5 10/12/01 23 0413044314 05 12/01/01 0 0413044314 O 11/01/31 0 6010906 E22/G01 F 92,470.00 ZZ 360 92,470.00 1 11.375 906.91 99 10.875 906.91 CHEYENNE WY 82001 1 10/17/01 23 0413047556 05 12/01/01 0 0413047556 O 11/01/31 0 1 6010934 E22/G01 F 125,000.00 ZZ 360 125,000.00 1 11.000 1,190.40 100 10.750 1,190.40 CORDOVA TN 38018 5 10/12/01 23 0413075623 03 12/01/01 0 0413075623 O 11/01/31 0 6010936 E22/G01 F 139,050.00 ZZ 360 139,050.00 1 9.750 1,194.65 103 9.500 1,194.65 WESTMINSTER CO 80031 5 10/12/01 23 0413076241 09 12/01/01 0 0413076241 O 11/01/31 0 6010954 E22/G01 F 295,000.00 ZZ 360 295,000.00 1 8.875 2,347.15 100 8.625 2,347.15 TRACY CA 95376 1 10/05/01 23 0413091240 05 12/01/01 0 0413091240 O 11/01/31 0 6010978 E22/G01 F 237,000.00 ZZ 360 237,000.00 1 8.750 1,864.48 100 8.250 1,864.48 SANTEE CA 92071 1 10/11/01 23 0413106279 05 12/01/01 0 0413106279 O 11/01/31 0 6010980 E22/G01 F 60,750.00 ZZ 360 60,750.00 1 7.375 419.59 103 6.875 419.59 MEMPHIS TN 38128 2 10/12/01 23 0413106626 05 12/01/01 0 0413106626 O 11/01/31 0 6011004 E22/G01 F 375,000.00 ZZ 360 375,000.00 1 7.875 2,719.01 103 7.625 2,719.01 1 ROSEVILLE CA 95661 1 10/11/01 23 0413116708 05 12/01/01 0 0413116708 O 11/01/31 0 6011020 E22/G01 F 275,500.00 ZZ 360 275,500.00 1 8.500 2,118.36 95 8.250 2,118.36 WALNUT CREEK CA 94596 1 10/09/01 23 0413123506 01 12/01/01 0 0413123506 O 11/01/31 0 6011064 E22/G01 F 97,400.00 ZZ 360 97,400.00 1 8.000 714.69 106 7.500 714.69 WENATCHEE WA 98801 1 10/12/01 23 0413153834 05 12/01/01 0 0413153834 O 11/01/31 0 6033970 E22/G01 F 153,000.00 ZZ 360 153,000.00 1 9.250 1,258.69 100 9.000 1,258.69 GOLDENDALE WA 98620 1 10/16/01 23 0413063900 05 12/01/01 0 0413063900 O 11/01/31 0 6034026 E22/G01 F 299,600.00 ZZ 360 299,600.00 1 8.500 2,303.66 107 8.250 2,303.66 SEATTLE WA 98117 1 10/15/01 23 0413113671 05 12/01/01 0 0413113671 O 11/01/31 0 6034074 E22/G01 F 181,000.00 ZZ 360 181,000.00 1 9.500 1,521.95 103 9.000 1,521.95 SALT LAKE CITY UT 84116 1 10/16/01 23 0413161050 05 12/01/01 0 0413161050 O 11/01/31 0 1 6059552 E22/G01 F 71,993.00 ZZ 360 71,993.00 1 8.875 572.81 100 8.375 572.81 HIALEAH FL 33012 1 10/19/01 23 0412922114 01 12/01/01 0 0412922114 O 11/01/31 0 6059598 E22/G01 F 162,640.00 ZZ 360 162,640.00 1 8.000 1,193.39 107 7.750 1,193.39 KEIZER OR 97303 2 10/08/01 23 0413052416 05 12/01/01 0 0413052416 O 11/01/31 0 6059612 E22/G01 F 84,000.00 ZZ 360 84,000.00 1 8.000 616.36 105 7.750 616.36 IOWA LA 70647 1 10/19/01 23 0413064098 05 12/01/01 0 0413064098 O 11/01/31 0 6059638 E22/G01 F 86,000.00 ZZ 360 86,000.00 1 9.000 691.98 100 8.750 691.98 PONTIAC MI 48340 1 10/19/01 23 0413084286 05 12/01/01 0 0413084286 O 11/01/31 0 6059654 E22/G01 F 149,265.00 ZZ 360 149,265.00 1 7.875 1,082.27 107 7.375 1,082.27 PENSACOLA FL 32506 1 10/19/01 23 0413096231 03 12/01/01 0 0413096231 O 11/01/31 0 6059670 E22/G01 F 94,350.00 ZZ 360 94,350.00 1 1 8.500 725.47 105 8.250 725.47 GAINES MI 48436 1 10/19/01 23 0413099672 05 12/01/01 0 0413099672 O 11/01/31 0 6059672 E22/G01 F 348,250.00 ZZ 360 348,250.00 1 8.125 2,585.75 105 7.625 2,585.75 OAKLAND CA 94605 1 10/05/01 23 0413101809 05 12/01/01 0 0413101809 O 11/01/31 0 6059674 E22/G01 F 96,400.00 ZZ 360 96,400.00 1 8.625 749.79 105 8.375 749.79 LAWRENCE KS 66049 1 10/17/01 23 0413102005 05 12/01/01 0 0413102005 O 11/01/31 0 6059676 E22/G01 F 150,895.00 ZZ 360 150,895.00 1 9.125 1,227.73 103 8.625 1,227.73 RAYMORE MO 64083 1 10/19/01 23 0413102310 03 12/01/01 0 0413102310 O 11/01/31 0 6059684 E22/G01 F 92,500.00 ZZ 360 92,500.00 1 9.000 744.28 100 8.750 744.28 REDFORD TOWNSHI MI 48239 1 10/19/01 23 0413105081 05 12/01/01 0 0413105081 O 11/01/31 0 6059704 E22/G01 F 114,000.00 ZZ 360 114,000.00 1 8.000 836.49 102 7.500 836.49 VANCOUVER WA 98685 1 10/17/01 23 0413112715 01 12/01/01 0 1 0413112715 O 11/01/31 0 6059732 E22/G01 F 128,250.00 ZZ 360 128,250.00 1 8.750 1,008.94 95 8.500 1,008.94 WESTLAND MI 48186 1 10/19/01 23 0413124900 05 12/01/01 0 0413124900 N 11/01/31 0 6059762 E22/G01 F 300,000.00 ZZ 360 300,000.00 1 9.000 2,413.87 102 8.750 2,413.87 RENO NV 89502 1 10/17/01 23 0413141326 05 12/01/01 0 0413141326 O 11/01/31 0 6059780 E22/G01 F 134,570.00 ZZ 360 134,570.00 1 8.250 1,010.98 103 8.000 1,010.98 EVANS CO 80620 1 10/19/01 23 0413148016 05 12/01/01 0 0413148016 O 11/01/31 0 6059784 E22/G01 F 227,000.00 ZZ 360 227,000.00 1 7.500 1,587.22 105 7.000 1,587.22 CLOVIS CA 93611 1 10/17/01 23 0413154238 05 12/01/01 0 0413154238 O 11/01/31 0 6083624 E22/G01 F 155,000.00 ZZ 360 155,000.00 1 8.250 1,164.46 107 7.750 1,164.46 ORTING WA 98360 5 10/12/01 23 0413036534 03 12/01/01 0 0413036534 O 11/01/31 0 1 6083634 E22/G01 F 54,000.00 ZZ 360 54,000.00 1 8.375 410.44 103 7.875 410.44 MEMPHIS TN 38108 1 10/22/01 23 0413046517 05 12/01/01 0 0413046517 O 11/01/31 0 6083642 E22/G01 F 182,300.00 ZZ 360 182,300.00 1 8.750 1,434.15 103 8.500 1,434.15 VICTOR ID 83455 1 10/22/01 23 0413049941 03 12/01/01 0 0413049941 O 11/01/31 0 6083650 E22/G01 F 299,900.00 ZZ 360 299,900.00 2 8.250 2,253.05 100 7.750 2,253.05 KAILUA-KONA HI 96740 1 10/15/01 23 0413053323 05 12/01/01 0 0413053323 O 11/01/31 0 6083688 E22/G01 F 61,250.00 ZZ 360 61,250.00 1 9.375 509.45 103 9.125 509.45 MERIDIAN MS 39305 1 10/22/01 23 0413077272 05 12/01/01 0 0413077272 O 11/01/31 0 6083706 E22/G01 F 164,000.00 ZZ 360 164,000.00 1 7.500 1,146.71 106 7.250 1,146.71 CITRUS HEIGHTS CA 95610 1 10/15/01 23 0413080573 09 12/01/01 0 0413080573 O 11/01/31 0 6083728 E22/G01 F 149,800.00 ZZ 360 149,800.00 1 8.250 1,125.40 107 7.750 1,125.40 1 OLYMPIA WA 98513 2 10/16/01 23 0413092941 05 12/01/01 0 0413092941 O 11/01/31 0 6083736 E22/G01 F 129,650.00 ZZ 360 129,650.00 1 8.625 1,008.40 99 8.375 1,008.40 JACKSON MI 49201 5 10/16/01 23 0413096173 05 12/01/01 0 0413096173 O 11/01/31 0 6083804 E22/G01 F 61,000.00 ZZ 360 61,000.00 1 8.500 469.04 100 8.250 469.04 TUSCUMBIA AL 35674 1 10/22/01 23 0413131673 05 12/01/01 0 0413131673 O 11/01/31 0 6083806 E22/G01 F 78,900.00 ZZ 360 78,900.00 1 8.750 620.71 100 8.250 620.71 FT MYERS FL 33908 1 10/22/01 23 0413131947 01 12/01/01 0 0413131947 O 11/01/31 0 6083822 E22/G01 F 235,086.00 ZZ 360 235,086.00 1 8.750 1,849.42 100 8.500 1,849.42 BRIGHTON CO 80106 1 10/22/01 23 0413137340 03 12/01/01 0 0413137340 O 11/01/31 0 6083864 E22/G01 F 398,950.00 ZZ 360 398,950.00 1 8.250 2,997.18 99 8.000 2,997.18 FREMONT CA 94538 1 10/16/01 23 0413156274 05 12/01/01 0 0413156274 O 11/01/31 0 1 6083876 E22/G01 F 187,600.00 ZZ 360 187,600.00 1 7.875 1,360.23 107 7.375 1,360.23 ROCKLIN CA 95677 1 10/15/01 23 0413159120 05 12/01/01 0 0413159120 O 11/01/31 0 6083886 E22/G01 F 113,500.00 ZZ 360 113,500.00 1 8.125 842.73 100 7.875 842.73 NORTHPORT AL 35475 1 10/22/01 23 0413172552 05 12/01/01 0 0413172552 O 11/01/31 0 6083888 E22/G01 F 75,905.00 ZZ 360 75,905.00 1 8.875 603.93 95 8.625 603.93 ST LOUIS MO 63147 1 10/22/01 23 0413174681 05 12/01/01 0 0413174681 O 11/01/31 0 6083890 E22/G01 F 113,900.00 ZZ 360 113,900.00 1 8.750 896.05 95 8.500 896.05 ST CLOUD MN 56301 1 10/22/01 23 0413176090 05 12/01/01 0 0413176090 N 11/01/31 0 6110920 E22/G01 F 173,100.00 ZZ 360 173,100.00 1 8.250 1,300.44 103 8.000 1,300.44 COVINGTON LA 70433 2 10/18/01 23 0413059569 05 12/01/01 0 0413059569 O 11/01/31 0 6110970 E22/G01 F 53,550.00 ZZ 360 53,550.00 1 1 8.875 426.07 103 8.625 426.07 BANGOR TOWNSHIP MI 48706 1 10/23/01 23 0413102054 05 12/01/01 0 0413102054 O 11/01/31 0 6110980 E22/G01 F 167,900.00 ZZ 360 167,900.00 1 10.500 1,535.85 100 10.000 1,535.85 ALLEN TX 75002 1 10/23/01 23 0413105693 03 12/01/01 0 0413105693 O 11/01/31 0 6111010 E22/G01 F 110,000.00 ZZ 360 110,000.00 2 8.250 826.39 100 7.750 826.39 NORTH MIAMI FL 33161 1 10/23/01 23 0413126020 05 12/01/01 0 0413126020 O 11/01/31 0 6111032 E22/G01 F 114,190.00 ZZ 360 114,190.00 1 9.000 918.80 95 8.750 918.80 PECULIAR MO 64078 1 10/23/01 23 0413137050 05 12/01/01 0 0413137050 N 11/01/31 0 6111052 E22/G01 F 135,200.00 ZZ 360 135,200.00 2 8.375 1,027.62 99 8.125 1,027.62 CHICAGO IL 60619 1 10/23/01 23 0413146770 05 12/01/01 0 0413146770 O 11/01/31 0 6111056 E22/G01 F 82,400.00 ZZ 360 82,400.00 1 8.250 619.04 103 8.000 619.04 AVENAL CA 93204 2 10/12/01 23 0413147422 05 12/01/01 0 1 0413147422 O 11/01/31 0 6111076 E22/G01 F 118,845.00 ZZ 360 118,845.00 1 9.000 956.25 95 8.750 956.25 HARRISBURG PA 17014 1 10/23/01 23 0413157272 05 12/01/01 0 0413157272 O 11/01/31 0 6111082 E22/G01 F 198,550.00 ZZ 360 198,550.00 2 9.000 1,597.58 95 8.750 1,597.58 CLIVE IA 50325 1 10/23/01 23 0413163106 05 12/01/01 0 0413163106 N 11/01/31 0 6111088 E22/G01 F 182,970.00 ZZ 360 182,970.00 1 8.000 1,342.57 107 7.750 1,342.57 PEARLAND TX 77084 1 10/23/01 23 0413168121 03 12/01/01 0 0413168121 O 11/01/31 0 6136544 E22/G01 F 156,045.00 ZZ 360 156,045.00 1 9.375 1,297.90 103 9.125 1,297.90 KIRKLAND WA 98034 5 10/18/01 23 0413075839 01 12/01/01 0 0413075839 O 11/01/31 0 6136584 E22/G01 F 153,430.00 ZZ 360 153,430.00 1 8.625 1,193.36 100 8.125 1,193.36 TUALATIN OR 97062 1 10/17/01 23 0413095191 01 12/01/01 0 0413095191 O 11/01/31 0 1 6136628 E22/G01 F 135,000.00 ZZ 360 135,000.00 1 8.750 1,062.05 100 8.500 1,062.05 SCOTTSDALE AZ 85250 1 10/19/01 23 0413117847 05 12/01/01 0 0413117847 O 11/01/31 0 TOTAL NUMBER OF LOANS : 1,846 TOTAL ORIGINAL BALANCE : 275,382,092.36 TOTAL PRINCIPAL BALANCE : 275,000,239.58 TOTAL ORIGINAL P+I : 2,228,882.25 TOTAL CURRENT P+I : 2,228,882.25 *************************** * END OF REPORT * *************************** 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 is [Title of Officer] of [Name of Owner] (record or beneficial owner of the Mortgage Pass-Through Certificates, Series 2001-RZ4, Class R (the "Owner")), a [savings institution] [corporation] duly organized and existing under the laws of [the State of __________________] [the United States], on behalf of which he makes this affidavit and agreement. 2. That the Owner (i) is not and will not be a "disqualified organization" as of [date of transfer] within the meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the "Code"), (ii) will endeavor to remain other than a disqualified organization for so long as it retains its ownership interest 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. E-7 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(f) 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(f) 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(f)). 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 Class R 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 Certificate that the Owner intends to pay taxes associated with holding such Class R Certificate as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificate. 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 or other entity created or organized in, or under the laws of, the United States or any political subdivision thereof, or 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. 14. The Owner hereby certifies, represents and warrants to, and covenants with the Company, 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 purchase of Certificates is permissible under applicable law, will not constitute or result in any prohibited transaction under ERISA or Section 4975 of the Code, will not subject the Company, the Trustee or the Master Servicer to any obligation in addition to those undertaken in the Pooling and Servicing Agreement and, with respect to each source of funds ("Source") being used by the Purchaser to acquire the Certificates, each of the following statements are accurate: (a) the Purchaser is an insurance company; (b) the Source is assets of the Purchaser's "general account;" (c) the conditions set forth in Sections I and III of Prohibited Transaction Class Exemption ("PTCE") 95-60 issued by the DOL have been satisfied and the purchase, holding and transfer of Certificates by or on behalf of the Purchaser are exempt under PTCE 95-60; and (d) the amount of reserves and liabilities for such general account contracts held by or on behalf of any Plan do not exceed 10% of the total reserves and liabilities of such general account plus surplus as of the date hereof (for purposes of this clause, all Plans maintained by the same employer (or affiliate thereof) or employee organization are deemed to be a single Plan) in connection with its purchase and holding of such Certificates; or (c) The Owner will provide the Trustee, the Company and the Master Servicer with an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company 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 Company 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 Company, the Trustee and the Master Servicer that the Owner will not transfer such H-1-3 Certificates to any Plan or person unless either such Plan or person meets the requirements set forth in either (a), (b) or (c) above. Capitalized terms used but not defined herein shall have the meanings assigned in the Pooling and Servicing Agreement. H-1-4 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 its [Title of Officer] and its corporate seal to be hereunto attached, attested by its [Assistant] Secretary, this ____ day of _______________, 200__. [NAME OF OWNER] By: [Name of Officer] [Title of Officer] [Corporate Seal] ATTEST: [Assistant] Secretary Personally appeared before me the above-named [Name of Officer], known or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer] of the Owner, and acknowledged to me that he executed the same as his free act and deed and the free act and deed of the Owner. Subscribed and sworn before me this ____ day of ________________, 200__. NOTARY PUBLIC COUNTY OF STATE OF My Commission expires the ____ day of _______________, 20__. H-1-5 EXHIBIT H-2 FORM OF TRANSFEROR CERTIFICATE __________________, 200__ Residential Asset Mortgage Products, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Residential Funding Corporation Series 2001-RZ4 Re: Mortgage Pass-Through Certificates, Series 2001-RZ4, Class R 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 Pass-Through Certificates, Series 2001-RZ4, Class R (the "Certificates"), pursuant to Section 5.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of November 1, 2001 among Residential Asset Mortgage Products, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and JPMorgan Chase 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 Company 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. 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 ______________, 20__ Residential Asset Mortgage Products, Inc 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Residential Funding Corporation 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 Attention: Residential Funding Corporation Series 2001-RZ4 Re: Mortgage Pass-Through Certificates, Series 2001-RZ4, Class SB Ladies and Gentlemen: _________________________ (the "Purchaser") intends to purchase from ___________________________ (the "Seller") $_____________ Initial Certificate Principal Balance of Mortgage Pass-Through Certificates, Series 2001-RZ4, Class SB (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of November 1, 2001 among Residential Asset Mortgage Products, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer (the "Master Servicer"), and JPMorgan 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 Company, the Trustee and the Master Servicer that: 1. The Purchaser understands that (a) the Certificates have not been and will not be registered or qualified under the Securities Act of 1933, as amended (the "Act") or any state securities law, (b) the Company is not required to so register or qualify the Certificates, (c) the Certificates may be resold only if registered and qualified pursuant to the provisions of the Act or any state securities law, or if an exemption from such registration and qualification is available, (d) the 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. 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 ___________________, 20__, 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 Company as has been requested by the Purchaser from the Company 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 Company 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 Company, the Purchaser acknowledges that such Memorandum was provided to it by the Seller, that the Memorandum was prepared by the Company solely for use in connection with the Original Sale and the Company 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 Company 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 I-2 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. 6. The Purchaser hereby certifies, represents and warrants to, and covenants with the Company, the Trustee and the Master Servicer that the following statements in (a) or (b) are correct: (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 is an insurance company; the source of the funds being used by the Purchaser to acquire the Certificates is assets of the Purchaser's "general account"; the conditions set forth in Sections 1 and 3 of the Prohibited Transaction Class Exemption ("PTCE") 95-60 issued by the DOL have been satisfied and the purchase, holding and transfer of Certificates by or on behalf of the Purchaser are exempt under PTCE 95-60; and the amount of reserves and liabilities for such general account contracts held by or on behalf of any Plan do not exceed 10% of the total reserves and liabilities of such general account plus surplus as of the date hereof (for purposes of this clause, all Plans maintained by the same employer (or affiliate thereof) or employee organization are deemed to be a single Plan) in connection with its purchase and holding of such Certificates; or (c) has provided the Trustee, the Company and the Master Servicer with an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company 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 Company 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. I-3 In addition, the Purchaser hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee and the Master Servicer that the Purchaser will not transfer such Certificates to any Plan or person unless either such Plan or person meets the requirements set forth in either (a), (b) or (c) above. Very truly yours, (Purchaser) By: Name: Title: I-4 EXHIBIT J FORM OF TRANSFEROR REPRESENTATION LETTER , 20 Residential Asset Mortgage Products, Inc 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Residential Funding Corporation Series 2001-RZ4 Re: Mortgage Pass-Through Certificates, Series 2001-RZ4, [Class SB] Ladies and Gentlemen: In connection with the sale by (the "Seller") to (the "Purchaser") of $ Initial Certificate Principal Balance of Mortgage Pass-Through Certificates, Series 2001-RZ4, Class SB (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of November 1, 2001 among Residential Asset Mortgage Products, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and JPMorgan Bank, as trustee (the "Trustee"). The Seller hereby certifies, represents and warrants to, and covenants with, the Company 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. 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(a) 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(a), 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 SB Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a). (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 SB 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 SB Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a); 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 SB 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 SB 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 SB 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 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 SB 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 SB Certificateholders. (f) The Company 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 Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision) 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 Company obtains written confirmation from each nationally recognized credit rating agency that rated the Class SB Certificates at the request of the Company that such substitution shall not lower the rating on the Class SB K-2 Certificates below the lesser of (a) the then-current rating assigned to the Class SB Certificates by such rating agency and (b) the original rating assigned to the Class SB 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 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 Company, 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 XII may be amended in any manner; in each case by written instrument executed or consented to by the Company 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 Company shall also obtain a letter from each nationally recognized credit rating agency that rated the Class SB Certificates at the request of the Company to the effect that such amendment, reduction, deletion or cancellation will not lower the rating on the Class SB Certificates below the lesser of (a) the then-current rating assigned to the Class SB Certificates by such rating agency and (b) the original rating assigned to the Class SB Certificates by such rating agency, unless (A) the Holder of 100% of the Class SB 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 Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision), 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 RESIDENTIAL ASSET MORTGAGE PRODUCTS, INC. Mortgage Pass-Through Certificates Series 2001-RZ4 , 200__ JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Residential Funding Corporation Series 2001-RZ4 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 November 1, 2001 (the "Servicing Agreement"), among Residential Asset Mortgage Products, Inc. (the "Company"), Residential Funding and Bank One, National Association (the "Trustee") as amended by Amendment No. ___ thereto, dated as of ________, with respect to the Mortgage Pass-Through Certificates, Series 2001-RZ4 (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 SB 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: 1. 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 12.01 of the Servicing Agreement. (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 Company 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. L-2 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. 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: JPMORGAN 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 __________________, 20____ Residential Funding Mortgage Securities I, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Attention: Residential Funding Corporation Series 2001-RZ4 Re: Mortgage Pass-Through Certificates, Series 2001-RZ4 Assignment of Mortgage Loan 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 3.13(d) of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of November 1, 2001 among Residential Asset Mortgage Products, Inc., as seller (the "Company"), 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. 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 November 1, 2001 among Residential Funding Corporation as Master Servicer, Residential Asset Mortgage Products, Inc. as depositor pursuant to Section 5.02 of the Agreement and JPMorgan Chase Bank, as trustee, as follows: a. The Buyer understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any state. b. The Buyer considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities. c. The Buyer has been furnished with all information regarding the Rule 144A Securities that it has requested from the Seller, the Trustee or the Servicer. d. Neither the Buyer nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the 1933 Act or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, nor will it act, nor has it authorized or will it authorize any person to act, in such manner with respect to the Rule 144A Securities. e. The Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the 1933 Act and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. The Buyer is aware that the sale to it is being made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A Securities for its own account or the accounts of other qualified institutional buyers, understands that such Rule 144A Securities may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the 1933 Act. 3. The Buyer a. 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; or b. is an insurance company, the source of funds to be used by it to purchase the Certificates is an "insurance company general account" (within the meaning of Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Section III of PTCE 95-60. 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. N-4 ___ 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 Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State or territory or the District of Columbia. ___ State or Local Plan. The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees. ___ ERISA Plan. The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974. ___ 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 Company. 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. N-5 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. ___ ___ 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. N-7 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. 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 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor New York, New York 10001 Residential Funding Corporation 8400 Normandale Lake Boulevard Suite 600 Minneapolis, Minnesota 55437 Attention: Residential Funding Corporation Series 2001-RZ4 Re: Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ4 [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-RZ4, Class ___ (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of November 1, 2001 among Residential Asset Mortgage Products, Inc., as the company (the "Depositor"), Residential Funding Corporation, as master servicer (the "Master Servicer") and JPMorgan Chase 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 FORM OF ERISA 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 JPMorgan Chase Bank 450 West 33rd Street, 14th Floor, New York, New York 10001 Attention: Residential Asset Mortgage Products Inc. Series 2001-RZ4 Re: Residential Asset Mortgage Products, Inc Mortgage Asset-Backed Pass-Through Certificates, Series 2001-RZ4, [Class M-_] 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 November 1, 2001, among Residential Asset Mortgage Products, Inc., as depositor, Residential Funding Corporation, as master servicer and JPMorgan Chase 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: _____________________ P-2