EX-99 2 efc6codes.htm EX 99.1 COLLATERAL Credit Grade

Credit Grade

A4CG

A4CP

Plus Credit Grade

A4SR

AMAL

AMAP

Plus Credit Grade

AMSR

AXAL

AXAP

Plus Credit Grade

AXSR

BAL

BAP

Plus Credit Grade

CAL

CMAL

CMAP

Plus Credit Grade

Payment Type

A

ARM

F

FIXED

G

GPM

P

PACE

S

STEP EOM

LOAN FEATURE

B

TEMPORARY BUYDOWNS BEFORE 2/1/87

BB

TEMPORARY BUYDOWN

BG

TEMPORARY BUYDOWN GMAC

BR

TEMPORARY BUYDOWN/RELOCATION

BS

TEMPORARY BUYDOWN/3 MONTHS P & I

BT

TEMPORARY BUYDOWN/SECOND VACATION

C

COMPRESSED BUYDOWN

CR

COMPRESSED BUYDOWN/RELOCATION

CT

COMPRESSED BUYDOWN / SECOND VACATION

E

1031 TAX EXCHANGE

G

COMPANION TO BRIDGE LOAN

PD

PHOENIX DISCOUNT LOAN

R

RELOCATION LOAN

S

SHARED EQUITY

SR

SHARED EQUITY/RELOCATION

ST

SHARED EQUITY/SECOND VACATION

T

SECOND VACATION

TX

TEXAS EQUITY LOAN

X

SHARED EQUITY/TEMPORARY BUYDOWN

XR

SHARED EQUITY/TBD/RELOCATION

XT

SHARED EQUITY/TEMP BUYDOWN/SECOND VAC

ZZ

NO LOAN FEATURE

MI Company Codes

0

NO INSURANCE REQUIRED

1

RADIAN F/K/A COMMONWEALTH

2

COMMONWEALTH OF MARYLAND

3

FOREMOST GUARANTY CORP.

4

GENERAL ELECTRIC MORTGAGE INS CO.

5

GENERAL ELECTRIC OF CALIFORNIA

6

GENERAL ELECTRIC OF FLORIDA

7

GENERAL ELECTRIC OF N.C.

8

HOME GUARANTEE INS. CORP.

9

INVESTORS MORTGAGE INS. CO.

10

MGIC

11

PMI MORTGAGE INS CO.

12

REPUBLIC MORTGAGE INS - N.C.

13

TICOR

14

UNITED GUARANTY RESIDENTAL INS. CO.

15

VEREX

16

WISCONSIN MORTGAGE ASSURANCE CO.

17

INTEGON MORTGAGE GUARANTY

18

U.S MORTGAGE

19

TRIAD GUARANTY

21

AMERIN - BORROWER PAID

22

AMERIN - LENDER PAID

23

SELF INSURED

24

COMMONWEALTH - LENDER PAID

25

UGIC - LENDER PAID -ANNUAL PREMIUM

26

PMI - LENDER PAID-ANNUAL PREMIUM

27

MGIC - LENDER PAID-ANNUAL PREMIUM

28

RMIC - LENDER PAID-ANNUAL PREMIUM

29

GE - LENDER PAID-ANNUAL PREMIUM

30

FMHA/RECD

31

RFC-LENDER PAID 98 BPS

32

MARYLAND HOUSING FUND

33

RADIAN- LENDER PAID SPECIAL

34

MGIC- LENDER PAID SPECIAL

35

GEMICO - LENDER PAID

36

PMI-LENDER PAID SPECIAL

37

RADIAN-LENDER PAID-ANNUAL PREMIUM

38

TRIAD-LENDER PAID-ANNUAL PREMIUM

40

UGIC -LENDER PAID-SINGLE PREMIUM

41

PMI - LENDER PAID -SINGLE PREMIUM

42

MGIC - LENDER PAID-SINGLE PREMIUM

43

RMIC - LENDER PAID-SINGLE PREMIUM

44

GE - LENDER PAID-SINGLE PREMIUM

45

RADIAN -LENDER PAID-SINGLE PREMIUM

46

TRIAD-LENDER PAID-SINGLE PREMIUM

47

CMG MORTGAGE INSURANCE COMPANY

48

CUNA MUTUAL GROUP

92

ML-MTG. 100/SECURITIES

93

ML-PARENT POWER/PROPERTY

94

ML-PARENT POWER /SECURITIES

95

MORTGAGE INSURANCE WAIVED

96

PER RFC - LTV<80, MI WAIVED

97

UNKNOWN

98

FHA

99

VA

Loan Purpose

0

UNKNOWN

1

PURCHASE

2

RATE/TERM

3

PURCHASE (NON-OWNER OCCUPIED)

4

CONSTRUCTION PERMANENT

5

EQUITY REFINANCE

6

RATE AND TERM WITH NO APPRAISAL

7

EQUITY REFI WITH NO APPRAISAL

8

HOME IMPROVEMENT

9

DEBT CONSOLIDATION

Quality Code

0

Pended - not yet reviewed

2

Full Documentation - approval

3

Full Doc - underwriting pend

4

Full Doc - program violation

5

Full Doc - decline

10

Fast App - not yet reviewed

12

Fast App - approval

13

Fast App - pended

14

Fast App - program violation

15

Fast App - decline

20

Stated Doc - not yet reviewed

22

Stated Doc - approval

23

Stated Doc - underwriting pend

24

Stated Doc - program violation

25

Stated Doc - decline

30

1 Paystub Doc - not yet reviewed

32

1 Paystub Doc - approval

33

1 Paystub Doc - pended

34

1 Paystub Doc - program violation

35

1 Paystub Doc - decline

40

Lite Doc - not yet reviewed

42

Lite Doc - approval

43

Lite Doc - pended

44

Lite Doc - program violation

45

Lite Doc - decline

50

No Doc - not yet reviewed

52

No Doc - approval

53

No Doc - pended

54

No Doc - program violation

55

No Doc - decline

Loan Status OTS Codes

0

CURRENT

1

30 DAYS DELINQUENT

2

60 DAYS DELINQUENT

3

90 DAYS DELINQUENT

4

FORECLOSURE

5

ACTIVE REO

Product Group

Lien

1

30 YEAR FIXED C

1

2

15 YEAR FIXED B

1

3

30 YEAR GPM

1

4

15 YEAR GPM

1

5

CLASSIC PACE B

1

6

7/23

1

7

1 YEAR TREASURY Y

1

8

3/1 TREASURY ARMS Y

1

9

3 YEAR NYCF ARMS

1

10

5/1 TREASURY ARM X

1

11

7/1 TREASURY ARM Y

1

12

1 YEAR COFI Y

1

13

6 MO TREASURY Z

1

14

6 MO COFI Z

1

15

6 MO PRIME Z

1

16

PRIME PLUS

1

17

MONTHLY COFI

1

18

MONTHLY PRIME

1

19

STEP EOM C

1

20

SWAPS

1

21

FORWARDS

1

22

BULK LOAD/RFC

1

23

BULK LOAD/NON RFC

1

24

RENT-A-SHELF

1

25

NEVER USED PROGRAM CODES

1

26

OLD PROGRAMS

1

27

CHOICE

1

28

5-YEAR FIXED X

1

29

15 - YEAR SECOND

2

30

5 - YEAR SECOND

2

31

6-MO LIBOR ARM Z

1

32

SECOND 6-MO PRIME ARM

2

33

QUARTERLY PRIME 8

1

34

30 YR CONFORMING C

1

35

15 YR CONFORMING B

1

36

7 YR CONFORMING X

1

37

1 YR CONFORMING Y

1

38

6 MO CONFORMING Z

1

39

BANK OF AMERICA 1 YR TREAY

1

40

1 YR ARM REFI/HELP Y

1

41

ALTERNET 6M LIBOR ADJ Z

1

42

ALTERNET 30YR FXD C

1

43

ALTERNET 1YR CMT ADJ Y

1

44

B/C 5/1 ARM PRODUCT X

1

45

ALTERNET 15YR FXD B

1

46

ALTERNET 3/6 LIBOR ADJ Z

1

47

MONTHLY LIBOR ARM Z

1

48

EXPANDED CRITERIA 30 YR C

1

49

EXPANDED CRITERIA 15 YR B

1

50

EXPANDED CRITERIA 5YR X

1

51

EXPANDED CRITERIA 1 YR Y

1

52

EXPANDED CRITERIA 6MO Z

1

53

EXPANDED CRITERIA 3/6 ARMZ

1

54

PAR 1 YR CMT

1

55

ALTERNET 2/6 LIBOR ADJ Z

1

56

ALTERNET 7-6 LIBOR Z

1

57

ALTERNET 30YR 2NDLIEN FXDC

2

58

ALTERNET 15YR 2NDLIEN FXDB

2

59

B/C 2NDS 6 MO PRIME Z

2

60

B/C 6 MONTH PRIME Z

1

61

ALTERNET 1/6 LIBOR ADJ Z

1

62

CONFORMING 5-YEAR X

1

63

NON-CONFORMING 5 YEAR X

1

64

COMMUNITY HOME 30 YR CONFC

1

65

COMMUNITY HOME 15 YR CONFB

1

66

ALTERNET 6-MO LIBOR 2ND Z

2

67

INMC 30-YEAR FIXED

1

68

INMC 15-YEAR FIXED

1

69

PAR 3/6 LIBOR -PRES HOMES

1

70

INMC 1-YEAR TSY

1

71

JUMBO A 10/1 TSY ARM Y

1

72

EXPANDED CRIT 2/6 LIBOR

1

74

ENHANCED 1-YR SPEC. OFFERY

1

75

INDEPENDENT 6-MO LIBOR Z

1

76

ALTERNET 3/1 CMT ADJ

1

77

ALTERNET MONTHLY COFI

1

78

ALTERNET 6-MO TREASURY

1

79

ALTERNET 30 YEAR GPM

1

80

ALTERNET 6 MONTH LIBOR BL

1

81

B/C 6MO PRIME BLN

1

82

ALTERNET 30/15 BLN

1

83

ALTERNET 3/6 (15YR)

1

84

ALTERNET 6 MO LIBOR 15 YR

1

85

B/C 6MO LIBOR BLN (2ND)

2

86

ALT 30/15 BLN 2ND LIEN

2

87

FIXED NEG TRANSACTION

1

88

ARM NEG TRANSACTION

1

89

BALLOON NEG TRANS.

1

90

ALTERNET 30YR PERFORMANCE

1

91

ALTERNET 30/15 PERFORMANC

1

92

ALTERNET 15YR PERFORMANCE

1

93

PMG BRIDGE LOANS C

1

94

PERF 30 YR 2ND EXP CREDIT

2

95

PERF 30/15 2ND EXP CREDIT

2

96

EXP CRED PERF 15YR 2ND

2

98

NEG TRANS CORE FIXED

1

99

NEG TRANS CORE ARMS

1

3E

30 YR EXPCRIT 100% COMBO

1

3H

30 YEAR HOME SOLUTION

1

3P

30 YR 100% COMBO LOAN

1

5E

15 YR EXPCRIT 100% COMBO

1

5P

15 YR 100% COMBO LOAN

1

A1

3/6 EXP CREDIT PERF Z

1

A2

2/6 EXP CREDIT PERF Z

1

AA

ARM NCA ALTERNET

1

AE

ARM NCA EXP CRITERIA

1

AH

ARM HIGH LTV

1

AJ

ARM NCA JUMBO A

1

AQ

NCA 6 MO LIBOR 30YR COMBO

1

AS

ARM NCA CLEAN SEASONED

1

AV

NCA 7YR LIBOR 30YR COMBO

1

AX

NCA 3-6 LIBOR 30YR COMBO

1

B1

CREDIT GAP 30 YR FIXED C

1

B2

CREDIT GAP 30/15 BALLOON C

1

B3

CREDIT GAP 15 YR FIXED C

1

B4

CREDIT GAP 6 MO LIBOR Z

1

B5

CREDIT GAP 1 YR TSY Y

1

B6

CREDIT GAP 2/6 LIBOR

1

B7

CREDIT GAP 3/6 LIBOR Z

1

BA

BALLOON NCA ALTERNET

1

BE

BALLOON NCA EXP CRITERIA

1

BH

BALLOON HIGH LTV

1

BJ

BALLOON NCA JUMBO A

1

BK

NCA 2YR LIBOR 30 YR COMBO

1

BQ

NCA 3 YR LIBOR 30YR COMBO

1

BS

BALLOON NCA CLEAN SEASONE

1

BV

NCA 5YR LIBOR 30YR COMBO

1

BW

NCA 2-6 LIBOR 30YR COMBO

1

BX

NCA 5-6 LIBOR 30YR COMBO

1

BZ

NCA 7-6 LIBOR 30YR COMBO

1

C1

SMALL MULTIFAM 7 BALLOON X

1

C2

SMALL MULTIFAM 10 BALLOONX

1

C3

SMALL MULTIFAM 15 BALLOONX

1

C4

SMALL MULITFAM 15YR B

1

C5

SMALL MULITFAM 20 YR C

1

C6

SMF 25YR FIXED

1

C7

SMF 20/25 BALLOON

1

C8

SMALL MULTIFAM 5 BALLOON X

1

CB

EXP CRIT +6MO LIBOR 30YR

1

CH

30 YEAR HOME SOLUTION

1

D0

ARD 2ND LIEN ARM PRODUCT

2

D1

NT FIXED SECOND C

2

D2

NT ARM SECOND

2

D3

ARD 30 YEAR FIXED

1

D4

ARD 15 YEAR FIXED

1

D5

ARD BALLOON

1

D6

ARD ARMS

1

D7

ARD SECOND LIEN 30 YR

2

D8

ARD SECOND LIEN 15 YR

2

D9

ARD SECOND LIEN BALLOON

2

DB

CONF 15 YR FLEX 97

1

DC

CONF 30 YR FLEX 97

1

DF

CONF 15 YR FLEX 100

1

DH

15 YEAR HOME SOLUTION

1

DJ

CONF 15 YR PLEDGED ASSET

1

DK

CONF 30 YR PLEDGED ASSET

1

DL

CONF 15 YR RFC RETENTION

1

DM

CONF 30 YR RFC RETENTION

1

DP

CONF 30 YR FLEX 100

1

DR

CONF 15 YR FNMA CHB 5%

1

DS

CONF 30 YR FNMA CHB 5%

1

E1

EXP CRIT 30/15 BALLOON

1

E3

EXP CRITERIA 3/1

1

E4

EXPCRIT 3/1 SPEC INVESTOR

1

E5

EXPCRIT 5/1 SPEC INVESTOR

1

FA

FIXED NCA ALTERNET

1

FE

FIXED NCA EXP CRITERIA

1

FH

FIXED HIGH LTV

1

FJ

FIXED NCA JUMBO A

1

FS

FIXED NCA CLEAN SEASONED

1

G1

30 YEAR CONF HOMEADVISOR

1

G2

15 YEAR CONF HOMEADVISOR

1

G3

3/1 CONF HOMEADVISOR

1

G4

1 YR ARM CONF HOMEADVISOR

1

G5

5/1 CONF HOMEADVISOR

1

G6

7/1 CONF HOMEADVISOR

1

G7

7 YR BALLOON HOMEADVISOR

1

GL

1 YEAR LIBOR ARM

1

H1

HOME SOLUTION 3/1 LIBOR

1

H2

HOME SOLUTION 2/1 LIBOR

1

H3

FIXED 30 NCA HLTV

1

H5

FIXED 15 NCA HLTV

1

H6

15 YR HOME SOL PLUS

1

H7

30 YR HOME SOL PLUS

1

H8

30/15 BALL HOME SOL PLUS

1

H9

2/1 LIBOR HOME SOL PLUS

1

HB

BALLOON NCA HLTV

1

HH

HIGH LTV FXD AX/AM

1

HL

3 YEAR LIBOR ARM

1

I1

3/1 LIBOR HOME SOL PLUS

1

I2

2/6 LIBOR HOME SOL PLUS

1

I3

3/6 LIBOR HOME SOL PLUS

1

J1

JUMBO 5/1 BALANCE SHEET X

1

J2

JUMBO 5/1 INTEREST ONLY X

1

JL

5 YEAR LIBOR ARM

1

KL

7 YEAR LIBOR ARM

1

LL

10 YEAR LIBOR ARM

1

N1

NEG TRANS 30 YR. C

1

N2

NEG TRANS 15 YR. C

1

NH

ARM NCA HOME SOLUTION

1

O4

5/6MO LIBOR EXPCRIT ARM

1

O5

7/6MO LIBOR EXPCRIT ARM

1

O6

3/1 LIBOR EXPCRIT ARM

1

O7

5/1 LIBOR EXPCRIT ARM

1

O8

7/1 LIBOR EXPCRIT ARM

1

O9

2/1 LIBOR EXP CRITERIA

1

P0

PT-MONTHLY LIBOR Z

1

P1

PT-GENERIC ARM PRODUCT

1

P2

PT-30 YEAR FIXED C

1

P3

PT-15 YEAR FIXED B

1

P4

PT-I YEAR ARM Y

1

P5

PT-3/1 ARM Y

1

P6

PT-5/1 ARM X

1

P7

PT-7/1 ARM Y

1

P8

PT-10/1 ARM Y

1

P9

PT-6 MONTH LIBOR Z

1

PA

PT-1/6 LIBOR Z

1

PB

PT-3/6 LIBOR

1

PC

PT-2/6 LIBOR Z

1

PD

PT-1 MONTH COFI

1

PE

PT-1 YEAR COFI Y

1

PF

PT-6 MONTH UST ARM Z

1

PG

PT-6 MO PRIME ARM Z

1

PH

PT-6 MONTH COFI Z

1

PI

PT-7 YEAR BALLOON X

1

PJ

PT-15/30 BALLOON

1

PK

PT-5 YEAR BALLOON X

1

PL

PT-1YR UST ARM BALL 15/30Y

1

PM

PT-6MO LIBOR BALL 15/30 Z

1

PN

PT-30 YEAR STEP C

1

PO

PT-30 YEAR GPM

1

PP

PT-15 YEAR GPM

1

PQ

PT-2ND 15 YR FIXED B

2

PR

PT-2ND 30 YR FIXED

2

PS

PT-2ND 15/30 BALLOON

2

PT

PT-FNMA 97 C

1

PU

PT 3/27 STEP

1

PV

PT - 5/5 ARM

1

PW

PT 1 YR FHFB ARM

1

PX

PT 10 YEAR BALLOON

1

PY

PT 2ND-1 YEAR ARM

2

PZ

PT - 3/3 UST ARM

1

QL

1 YR/6 MO LIBOR ARM

1

SB

CREDIT GAP + 15YR FIXED

1

SC

CREDIT GAP + 30YR FIXED

1

SE

CREDIT GAP + 6MO LIBOR

1

SG

CREDIT GAP + 1YR TSY

1

SH

CRED GAP + 2YR/6MO LIBOR

1

SI

CRED GAP + 3YR/6MO LIBOR

1

SK

CRED GAP + 30/15 BALLOON

1

SL

3 YR/6 MO LIBOR ARM

1

TL

5 YR/6 MO LIBOR ARM

1

WL

7 YR/6 MO LIBOR ARM

1

XA

JUMBO A + 15 YEAR

1

XB

JUMBO A + 30 YEAR

1

XC

JUMBO A + 1 YR/6MO LIBOR

1

XD

JUMBO A + 2YR/6MO LIBOR

1

XE

JUMBO A + 3YR/6MO LIBOR

1

XF

JUMBO A + 5YR/6MO LIBOR

1

XG

JUMBO A + 7YR/6MO LIBOR

1

XH

JUMBO A + 10YR/6MI LIBOR

1

XI

JUMBO A + 1 YR TSY

1

XJ

JUMBO A + 3/1 TSY

1

XK

JUMBO A + 5/1 TSY

1

XL

10 YR/6 MO LIBOR ARM

1

XM

JUMBO A + 7/1 TSY

1

XN

JUMBO A + 10/1 TSY

1

XO

JUMBO A + 6MO LIBOR

1

XP

JUMBO A + 1YR LIBOR

1

XQ

JUMBO A + 3YR LIBOR

1

XR

JUMBO A + 5YR LIBOR

1

XS

JUMBO A + 7YR LIBOR

1

XT

JUMBO A + 10YR LIBOR

1

YA

ALTERNET + 15 YR FIXED

1

YH

ALTERNET + 30 YR FIXED

1

YK

ALTERNET + 6MO LIBOR

1

YR

ALTERNET + 1 YR TSY

1

YV

ALTERNET + 2YR/6MO LIBOR

1

YW

ALTERNET + 3YR/6MO LIBOR

1

YZ

ALTERNET + 30/15 BALLOON

1

ZA

EXPCRIT + 15 YR FIXED

1

ZB

EXPCRIT + 30 YR FIXED

1

ZC

EXPCRIT + 30/15 BALLOON

1

ZG

EXPCRIT + 1YR/6MO LIBOR

1

ZH

EXPCRIT + 2YR/6MO LIBOR

1

ZI

EXPCRIT + 3YR/6MO LIBOR

1

ZJ

EXPCRIT + 5YR/6MO LIBOR

1

ZK

EXPCRIT + 7YR/6MO LIBOR

1

ZL

EXPCRIT + 10YR/6MO LIBOR

1

ZM

EXPCRIT + 1YR LIBOR

1

ZN

EXPCRIT + 1YR TSY

1

ZO

EXPCRIT + 3/1 TSY

1

ZQ

EXPCRIT + 5/1 TSY

1

ZR

EXPCRIT + 7/1 TSY

1

ZT

EXPCRIT + 3YR LIBOR

1

ZU

EXPCRIT + 5YR LIBOR

1

ZV

EXPCRIT + 7YR LIBOR

1

ZW

EXPCRIT + 10YR LIBOR

1

ZX

2/1 LIBOR EXPCRIT PLUS

1

ZZ

NCA BALLOON SECOND

1

Property Type

1

CONDO UNDER 5 STORIES

2

LEASEHOLD

3

DETACHED PUD

4

MODULAR

5

SINGLE FAMILY(DETACHED)

6

CONDO OVER 8 STORIES

7

TOWNHOUSE/ROWHOUSE

8

MID-RISE CONDO (5-8 STORIES)

9

ATTACHED PUD

10

COOP - STUDIO

11

COOP - 1 BEDROOM

12

COOP - 2 BEDROOM

13

CO-OP - 3 BEDROOMS

14

CO-OP - 4 BEDROOMS

15

CO-OP - 5 BEDROOMS

16

RESERVED FOR COOP

17

RESERVED FOR COOP

18

RESERVED FOR COOP

19

RESERVED FOR COOP

20

CONDOTELS 1- 4 STORIES

21

CONDOTELS 5-8 STORIES

22

CONDOTELS 9 OR MORE STORIES

23

MULTIFAMILY

27

MANUFACTURED HOME

28

COMMERICAL PROPERTIES

29

SINGLE FAMILY DETACHED- SITE CONDOMINIUM

30

MIXED USE

Occupancy

N

NON-OWNER OCCUPIED (INVESTOR PROPERTY)

O

OWNER OCCUPIED

S

SECOND HOME

Property State Codes

AK

Alaska

AL

Alabama

AR

Arkansas

AS

American Somoa

AZ

Arizona

CA

California

CO

Colorado

CT

Connecticut

DC

District of Columbia

DE

Delaware

FL

Florida

FM

Federated States of Micronesia

GA

Georgia

GU

Guam

HI

Hawaii

IA

Iowa

ID

Idaho

IL

Illinois

IN

Indiana

KS

Kansas

KY

Kentucky

LA

Louisiana

MA

Massachusetts

MD

Maryland

ME

Maine

MH

Marshall Islands

MI

Michigan

MN

Minnesota

MO

Missouri

MP

Northern Mariana Islands

MS

Mississippi

MT

Montana

MX

Mexico - All States

NC

North Carolina

ND

North Dakota

NE

Nebraska

NH

New Hampshire

NJ

New Jersey

NM

New Mexico

NV

Nevada

NY

New York

OH

Ohio

OK

Oklahoma

OR

Oregon

PA

Pennsylvania

PR

Puerto Rico

PW

Palau

RI

Rhode Island

SC

South Carolina

SD

South Dakota

TN

Tennessee

TX

Texas

UT

Utah

VA

Virginia

VI

Virgin Islands

VT

Vermont

WA

Washington

WI

Wisconsin

WV

West Virginia

WY

Wyoming

Appraisal Type Codes

1

Full

2

Review

3

Statistical Property Valuation

4

Second Mortgage Appraisal Valuation

5

Narrative

6

Recertification

7

BPO

8

Completion Certificate

9

Loan Prospector Collateral Certification

10

LSI Evaluation Analysis

11

Drive By Appraisal

12

Non-Standard

13

Stated Value

14

Tax Assessed Value

15

BPO - Interior

16

BPO - Exterior

17

Purchase Price

18

Second Opinion

19

REO Value

Index Name

Index Description

1

WEEKLY 1-YEAR TREASURY SECURITY

1A

1-YR T-BILL - EFF 1ST BUS DAY OF MONTH

1D

1-YR T-BILL - MONTHLY AVG

1HF

WEEKLY 1/2 1-YEAR TREASURY SECURITY

1MT

1 YR TRSRY - 12 MO AVG

2

10-YR TREASURY SECURITY - WEEKLY

2A

2-YEAR TREASURY SECURITY-WEEKLY

3

3-YEAR TREASURY SECURITY - WEEKLY

4

5-YEAR TREASURY SECURITY - WEEKLY

6

6-MO T-BILL (INV) = 26-WEEK CPN EQUIVLNT

7

11TH DISTRICT COST OF FUNDS

8

WSJ - BANK PRIME RATE

9

6 MO LIBOR - WSJ (EFF DAILY)

9A

6 MO LIBOR EFF THE 15TH BUS DAY

9B

6 MO LIBOR EFF 20TH DAY OF MONTH

9C

6 MO LIBOR -EFF 15TH OF MONTH

A

6-MO T-BILL - 26 WK AVG OF WKLY AUC AVG

D

6-MONTH CERTIFICATE OF DEPOSIT MONTHLY

E

6 MO LIBOR - WSJ (EFF 1ST BUS DAY MO)

E12

1 YEAR LIBOR - WSJ (EFF 1ST BUS DAY MO)

F

FNMA 30 YEAR 30 DAY

FA

ALTERNET PAY FOR PERFORMANCE PRODUCT

G

6-MO T-BILL AUC AVG (INV) - 4-WEEK AVG

H

1-YR TSY: EFFEC. FRI PRIOR TO RELEASE DT

K

CNTRCT INT RT PREV OCC HMES - FHFB

L12

1 YEAR LIBOR - WSJ (EFF DAILY)

M

NATL MONTHLY MED COFI

N

6-MO T-BILL (INV) EFF DAY AFT AUCT DATE

O

3-YR TSY: EFFEC. FRI PRIOR TO RELEASE DT

PA

1 MO LIBOR-EFF 20TH OF MO PRI TO INT CHG

PD

1 MO LIBOR - WSJ (EFF DAILY)

Q

1 MO LIBOR PER WSJ EFF 1ST BDM

R

6 MO LIBOR PER FNMA (MONTHLY VALUE)

R12

12 MO AVG 1 MO LIBOR PER FNMA (MO VALUE)

S

PRIME RT WSJ EFF LAST BUSINESS DAY OF MO

SS

SOLDIER & SAILOR FOR SBO

T

6 MO T-BILL - 26 WEEKLY AUCTION AVERAGE

U

6 MO LIBOR - WSJ (EFF LST BUS DAY MO)

V

WSJ QTRLY PRIME-EF 1ST DAY OF MO

W

1 YR NEW ADV FRM FHLBB ATLANTA

ARM Convert Index

A

GMAC-RFC 10 DAY MANDATORY

B

GMAC-RFC 30 DAY MANDATORY

C

GMAC-RFC 60 DAY MANDATORY

D

FHLMC WAY, 60 DAY MAND. COM, 30 YR.

E

FNMA WAY, 60 DAY MAND. COM, 30 YR.

F

FNMA WAY, 30 DAY MAND. COMMIT, 30 YR.

G

FIRST CHICAGO CONVENTIONAL 30YR FIXED RT

H

BEAR STEARNS MORT 60 DAY MND COMM,30 YR

I

FHLMC WAY 30 DAY MANDATORY

J

RAC, 60 DAY MAND., COMM 30 YR

K

FNMA WAY, 60 DAY MAND. COMMIT 15 YR

L

SECONDARY MARKET MATURITIES

M

1 YR. UST (WEEKLY)

N

FNMA WAY, 10 DAY MAND. COM, 30 YR

P

FNMA WAY, 90 DAY MAND. COM, 30 YR.

X

FHLMC WAY 60 DAY MAND. COM 15 YR

Rounding Method

D

ROUND DOWN

N

ROUND TO NEAREST FACTOR

U

ROUND UP

X

NO ROUNDING METHOD

Rounding Type

I

INDEX

S

SUM

X

NO ROUNDING

Legal Documentation Feature

10

NOTE

20

MORTGAGE

30

DEED OF TRUST

32

SECTION 32 MORTGAGE LOANS

33

STATE HIGH COST LOAN - DECLINE

34

STATE HIGH COST LOAN - DISCLOSURE

35

GA DISCONTINUED LOAN

36

SC DISCONTINUED LOAN

40

ARM RIDER TO NOTE

50

ARM RIDER TO MORTGAGE

51

ARM RIDER TO DEED OF TRUST

52

CONDO RIDER

53

PUD RIDER

54

2-4 RIDER

55

MULTIPLE PROPERTIES

60

OTHER RIDER

70

CONVERSION DOCUMENT

80

MODIFICATION AGREEMENT

90

LOST NOTE AFFIDAVIT

100

MULTIPLE DOCUMENTS

101

SIMPLE INTEREST PAYMENT LOAN

102

BI-WEEKLY PAYMENT LOAN

103

INTEREST ONLY PAYMENT LOAN

104

PERFORMANCE PAYMENT LOAN*

99999

EXCEPTION MADE BY LOAN ACQUISITION