EX-4 3 ba591671-exh4.txt POOLING AND SERVICING AGREEMENT ================================================================================ BANK OF AMERICA MORTGAGE SECURITIES, INC., as Depositor, BANK OF AMERICA, N.A., as Servicer, and THE BANK OF NEW YORK, as Trustee POOLING AND SERVICING AGREEMENT Dated August 28, 2001 ----------------------- Mortgage Pass-Through Certificates Series 2001-E ================================================================================ TABLE OF CONTENTS Page ---- PRELIMINARY STATEMENT....................................................... ARTICLE I DEFINITIONS Section 1.01 Defined Terms................................................. Section 1.02 Interest Calculations......................................... ARTICLE II CONVEYANCE OF MORTGAGE LOANS ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01 Conveyance of Mortgage Loans.................................. Section 2.02 Acceptance by the Trustee of the Mortgage Loans............... Section 2.03 Representations, Warranties and Covenants of the Servicer..... Section 2.04 Representations and Warranties of the Depositor as to the Mortgage Loans............................................... Section 2.05 Designation of Interests in the REMICs........................ Section 2.06 Designation of Start-up Day................................... Section 2.07 REMIC Certificate Maturity Date............................... Section 2.08 Execution and Delivery of Certificates........................ Section 2.09 Repurchase of Converted Mortgage Loans........................ ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01 Servicer to Service Mortgage Loans............................ Section 3.02 Subservicing; Enforcement of the Obligations of Servicer...... Section 3.03 Fidelity Bond; Errors and Omissions Insurance................. Section 3.04 Access to Certain Documentation............................... Section 3.05 Maintenance of Primary Mortgage Insurance Policy; Claims..... Section 3.06 Rights of the Depositor and the Trustee in Respect of the Servicer..................................................... Section 3.07 Trustee to Act as Servicer.................................... Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial Account; Certificate Account; and Upper-Tier Certificate Account...................................................... Section 3.09 Collection of Taxes, Assessments and Similar Items; Escrow Accounts.............................................. Section 3.10 Access to Certain Documentation and Information Regarding the Mortgage Loans........................................... Section 3.11 Permitted Withdrawals from the Servicer Custodial Account, Certificate Account and Upper-Tier Certificate Account...................................................... Section 3.12 Maintenance of Hazard Insurance............................... Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements..... Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property....... Section 3.15 Trustee to Cooperate; Release of Mortgage Files............... Section 3.16 Documents, Records and Funds in Possession of the Servicer to be Held for the Trustee.......................... Section 3.17 Servicing Compensation........................................ Section 3.18 Annual Statement as to Compliance............................. Section 3.19 Annual Independent Public Accountants' Servicing Statement; Financial Statements.............................. Section 3.20 Advances...................................................... Section 3.21 Modifications, Waivers, Amendments and Consents............... Section 3.22 Reports to the Securities and Exchange Commission............. ARTICLE IV SERVICER'S CERTIFICATE Section 4.01 Servicer's Certificate........................................ ARTICLE V PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS; REMIC ADMINISTRATION Section 5.01 Distributions................................................. Section 5.02 Priorities of Distributions................................... Section 5.03 Allocation of Losses.......................................... Section 5.04 Statements to Certificateholders.............................. Section 5.05 Tax Returns and Reports to Certificateholders................. Section 5.06 Tax Matters Person............................................ Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee.... Section 5.08 REMIC Related Covenants....................................... ARTICLE VI THE CERTIFICATES Section 6.01 The Certificates.............................................. Section 6.02 Registration of Transfer and Exchange of Certificates......... Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates............. Section 6.04 Persons Deemed Owners......................................... ARTICLE VII THE DEPOSITOR AND THE SERVICER Section 7.01 Respective Liabilities of the Depositor and the Servicer...... Section 7.02 Merger or Consolidation of the Depositor or the Servicer...... Section 7.03 Limitation on Liability of the Depositor, the Servicer and Others................................................... Section 7.04 Depositor and Servicer Not to Resign.......................... ARTICLE VIII DEFAULT Section 8.01 Events of Default............................................. Section 8.02 Remedies of Trustee........................................... Section 8.03 Directions by Certificateholders and Duties of Trustee During Event of Default...................................... Section 8.04 Action upon Certain Failures of the Servicer and upon Event of Default............................................. Section 8.05 Trustee to Act; Appointment of Successor...................... Section 8.06 Notification to Certificateholders............................ ARTICLE IX THE TRUSTEE Section 9.01 Duties of Trustee............................................. Section 9.02 Certain Matters Affecting the Trustee......................... Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans......... Section 9.04 Trustee May Own Certificates.................................. Section 9.05 Eligibility Requirements for Trustee.......................... Section 9.06 Resignation and Removal of Trustee............................ Section 9.07 Successor Trustee............................................. Section 9.08 Merger or Consolidation of Trustee............................ Section 9.09 Appointment of Co-Trustee or Separate Trustee................. Section 9.10 Authenticating Agents......................................... Section 9.11 Trustee's Fees and Expenses................................... Section 9.12 Appointment of Custodian...................................... Section 9.13 Paying Agents................................................. Section 9.14 Limitation of Liability....................................... Section 9.15 Trustee May Enforce Claims Without Possession of Certificates................................................. Section 9.16 Suits for Enforcement......................................... Section 9.17 Waiver of Bond Requirement.................................... Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement..... ARTICLE X TERMINATION Section 10.01 Termination upon Purchase by the Depositor or Liquidation of All Mortgage Loans........................................ Section 10.02 Additional Termination Requirements........................... ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01 Amendment..................................................... Section 11.02 Recordation of Agreement...................................... Section 11.03 Limitation on Rights of Certificateholders.................... Section 11.04 Governing Law................................................. Section 11.05 Notices....................................................... Section 11.06 Severability of Provisions.................................... Section 11.07 Certificates Nonassessable and Fully Paid..................... Section 11.08 Access to List of Certificateholders.......................... Section 11.09 Recharacterization............................................ EXHIBITS -------- Exhibit A-1 - Form of Face of Class A-1 Certificate Exhibit A-2 - Form of Face of Class A-2 Certificate Exhibit A-3 - Form of Face of Class A-3 Certificate Exhibit A-4 - Form of Face of Class A-4 Certificate Exhibit A-5 - Form of Face of Class A-5 Certificate Exhibit A-IO - Form of Face of Class A-IO Certificate Exhibit A-R - Form of Face of Class A-R Certificate Exhibit A-LR - Form of Face of Class A-LR Certificate Exhibit B-1 - Form of Face of Class B-1 Certificate Exhibit B-2 - Form of Face of Class B-2 Certificate Exhibit B-3 - Form of Face of Class B-3 Certificate Exhibit B-4 - Form of Face of Class B-4 Certificate Exhibit B-5 - Form of Face of Class B-5 Certificate Exhibit B-6 - Form of Face of Class B-6 Certificate Exhibit C Form of Reverse of all Certificates Exhibit D Mortgage Loan Schedule Exhibit E Request for Release of Documents Exhibit F Form of Certification of Establishment of Account Exhibit G-1 Form of Transferor's Certificate Exhibit G-2A Form 1 of Transferee's Certificate Exhibit G-2B Form 2 of Transferee's Certificate Exhibit H Form of Transferee Representation Letter for ERISA Restricted Certificates Exhibit I Form of Affidavit Regarding Transfer of Residual Certificates Exhibit J Contents of Servicing File Exhibit K Form of Special Servicing Agreement Exhibit L List of Recordation States POOLING AND SERVICING AGREEMENT THIS POOLING AND SERVICING AGREEMENT, dated August 28, 2001, is hereby executed by and among BANK OF AMERICA MORTGAGE SECURITIES, INC., as depositor (together with its permitted successors and assigns, the "Depositor"), BANK OF AMERICA, N.A., as servicer (together with its permitted successors and assigns, the "Servicer"), and THE BANK OF NEW YORK, as trustee (together with its permitted successors and assigns, the "Trustee"). W I T N E S S E T H T H A T: In consideration of the mutual agreements herein contained, the Depositor, the Servicer and the Trustee agree as follows: PRELIMINARY STATEMENT In exchange for the Certificates, the Depositor hereby conveys the Trust Estate to the Trustee to create the Trust. The Trust Estate for federal income tax purposes will be treated as two separate real estate mortgage investment conduits (the "Upper-Tier REMIC" and the "Lower-Tier REMIC," respectively, and each, a "REMIC"). The Class A Certificates (other than the Class A-R and Class A-LR Certificates) and the Class B Certificates are referred to collectively as the "Regular Certificates" and shall constitute "regular interests" in the Upper-Tier REMIC. The Uncertificated Lower-Tier Interests shall constitute the "regular interests" in the Lower-Tier REMIC. The Class A-R Certificate shall be the "residual interest" in the Upper-Tier REMIC and the Class A-LR Certificate shall be the "residual interest" in the Lower-Tier REMIC. The Certificates will represent the entire beneficial ownership interest in the Trust. The "latest possible maturity date" for federal income tax purposes of all interests created hereby will be the REMIC Certificate Maturity Date. The following table sets forth characteristics of the Certificates, together with the minimum denominations and integral multiples in excess thereof in which the Classes of Certificates shall be issuable (except that one Certificate of each Class of Certificates may be issued in any amount in excess of the minimum denomination): ================================================================================ Initial Class Integral Certificate Pass- Multiples Balance or Through Minimum in Excess Classes Notional Amount Rate Denomination of Minimum -------------------------------------------------------------------------------- Class A-1 $ 137,709,000.00 4.713%(1) $ 1,000 $ 1 -------------------------------------------------------------------------------- Class A-2 $ 91,371,000.00 5.624%(1) $ 1,000 $ 1 -------------------------------------------------------------------------------- Class A-3 $ 129,928,000.00 5.847%(1) $ 1,000 $ 1 -------------------------------------------------------------------------------- Class A-4 $ 25,000,000.00 5.706%(1) $ 1,000 $ 1 -------------------------------------------------------------------------------- Class A-5 $ 100,000,000.00 5.839%(1) $ 1,000 $ 1 -------------------------------------------------------------------------------- Class A-IO $ 500,267,003.86 (2) $ 1,000 $ 1 -------------------------------------------------------------------------------- Class A-R $ 50.00 (3) $ 50 N/A -------------------------------------------------------------------------------- Class A-LR $ 50.00 (3) $ 50 N/A -------------------------------------------------------------------------------- Class B-1 $ 7,754,000.00 6.250%(1) $ 25,000 $ 1 -------------------------------------------------------------------------------- Class B-2 $ 3,001,000.00 6.250%(1) $ 25,000 $ 1 -------------------------------------------------------------------------------- Class B-3 $ 2,502,000.00 6.250%(1) $ 25,000 $ 1 -------------------------------------------------------------------------------- Class B-4 $ 1,000,000.00 6.250%(1) $ 25,000 $ 1 -------------------------------------------------------------------------------- Class B-5 $ 1,001,000.00 6.250%(1) $ 25,000 $ 1 -------------------------------------------------------------------------------- Class B-6 $ 1,000,903.86 6.250%(1) $ 25,000 $ 1 ================================================================================ --------------- (1) For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on these Certificates at the lesser of the rate set forth in the above table and the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on these Certificates at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). (2) For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on the Class A-IO Certificates at a per annum rate equal to the difference between the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date) and the weighted average of the Pass-Through Rates on the other Certificates as of such Distribution Date. For each Distribution Date occurring after the Distribution Date in April 2006, the Pass-Through Rate on the Class A-IO Certificates will be zero. (3) For the first Distribution Date, interest will accrue on this Certificate at the rate of 6.3000512688% per annum. For each Distribution Date after the first Distribution Date, interest will accrue on this Certificate at a per annum rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). ARTICLE I DEFINITIONS Section 1.01 Defined Terms. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article: 1933 Act: The Securities Act of 1933, as amended. Accrued Certificate Interest: For any Distribution Date and each interest-bearing Class, one month's interest accrued during the related Interest Accrual Period at the applicable Pass-Through Rate on the applicable Class Certificate Balance. Adjusted Pool Amount: With respect to any Distribution Date, the Cut-Off Date Pool Principal Balance of the Mortgage Loans minus the sum of (i) all amounts in respect of principal received in respect of the Mortgage Loans (including, without limitation, amounts received as Monthly Payments, Periodic Advances, Principal Prepayments, Liquidation Proceeds and Substitution Adjustment Amounts) and distributed to Holders of Certificates on such Distribution Date and all prior Distribution Dates and (ii) the principal portion of all Realized Losses (other than Debt Service Reductions) incurred on the Mortgage Loans from the Cut-Off Date through the end of the month preceding such Distribution Date. Advance: A Periodic Advance or a Servicing Advance. Agreement: This Pooling and Servicing Agreement together with all amendments hereof and supplements hereto. Amount Held for Future Distribution: As to any Distribution Date, the total of the amounts held in the Servicer Custodial Account at the close of business on the preceding Determination Date on account of (i) Principal Prepayments and Liquidation Proceeds received or made in the month of such Distribution Date and (ii) payments which represent receipt of Monthly Payments in respect of a Due Date or Due Dates subsequent to the related Due Date. Appraised Value: With respect to any Mortgaged Property, either (i) the lesser of (a) the appraised value determined in an appraisal obtained by the originator at origination of such Mortgage Loan and (b) the sales price for such property, except that, in the case of Mortgage Loans the proceeds of which were used to refinance an existing mortgage loan, the Appraised Value of the related Mortgaged Property is the appraised value thereof determined in an appraisal obtained at the time of refinancing, or (ii) the appraised value determined in an appraisal made at the request of a Mortgagor subsequent to origination in order to eliminate the Mortgagor's obligation to keep a Primary Mortgage Insurance Policy in force. Assignment of Mortgage: An individual 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 give record notice of the sale of the Mortgage. Authenticating Agents: As defined in Section 9.10. Bankruptcy Loss: Any Deficient Valuation or Debt Service Reduction. Bankruptcy Loss Amount: As of any Distribution Date, the Initial Bankruptcy Loss Amount less the aggregate amount of Bankruptcy Losses previously incurred during the period from the Cut-Off Date through the last day of the month preceding the month of such Distribution Date; provided, however, that such amount may be reduced from time to time with the written consent of the Rating Agencies provided that such reduction does not result in a downgrading to the current rating of the Certificates. Book-Entry Certificate: All Classes of Certificates other than the Physical Certificates. Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the State of North Carolina, the State of New York, the State of Kentucky, the state in which the servicing offices of the Servicer is located or the state in which the Corporate Trust Office is located are required or authorized by law or executive order to be closed. Certificate: Any of the Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-E that are issued pursuant to this Agreement. Certificate Account: The separate Eligible Account created and maintained by the Trustee pursuant to Section 3.08(c) in the name of the Trustee for the benefit of the Certificateholders and designated "The Bank of New York, in trust for registered holders of Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-E." Funds in the Certificate Account shall be held in trust for the Certificateholders for the uses and purposes set forth in this Agreement. Certificate Balance: With respect to any Certificate at any date, the maximum dollar amount of principal to which the Holder thereof is then entitled hereunder, such amount being equal to the product of the Percentage Interest of such Certificate and the Class Certificate Balance of the Class of Certificates of which such Certificate is a part. Certificate Custodian: Initially, The Bank of New York; thereafter any other Certificate Custodian acceptable to the Depository and selected by the Trustee. Certificate Notional Amount: With respect to any Class A-IO Certificates at any date, the product of the Percentage Interest of such Certificate and the Notional Amount of the Class A-IO Certificates. Certificate Owner: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of a Book-Entry Certificate. With respect to any Definitive Certificate, the Certificateholder of such Certificate. Certificate Register: The register maintained pursuant to Section 6.02. Certificate Registrar: The registrar appointed pursuant to Section 6.02. Certificateholder: The Person in whose name a Certificate is registered in the Certificate Register, except that, solely for the purpose of giving any consent pursuant to this Agreement, any Certificate registered in the name of the Depositor, the Servicer or any affiliate thereof shall be deemed not to be outstanding and the Percentage Interest and Voting Rights evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests or Voting Rights, as the case may be, necessary to effect any such consent has been obtained, unless such entity is the registered owner of the entire Class of Certificates, provided that the Trustee shall not be responsible for knowing that any Certificate is registered in the name of such an affiliate unless one of its Responsible Officers has actual knowledge. Class: As to the Certificates, the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-IO, Class A-R, Class A-LR, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates, as the case may be. Class A Certificates: The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-IO, Class A-R and Class A-LR Certificates. Class A-IO Notional Amount: As to any Distribution Date and the Class A-IO Certificates, the aggregate Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution. Class B Certificates: The Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates. Class Certificate Balance: With respect to any Class (other than the Class A-IO Certificates) and any date of determination, the Initial Class Certificate Balance of such Class minus the sum of (i) all distributions of principal made with respect thereto, (ii) all Realized Losses allocated thereto pursuant to Section 5.03(a) and (iii) all other reductions in Class Certificate Balance previously allocated thereto pursuant to Section 5.03(b). The Class A-IO Certificates are Interest-Only Certificates and have no Class Certificate Balance. Class Interest Shortfall: For any Distribution Date and each interest-bearing Class, the amount by which Accrued Certificate Interest for such Class (as reduced pursuant to Section 5.02(c)) exceeds the amount of interest actually distributed on such Class on such Distribution Date pursuant to clause (i) of the definition of "Interest Distribution Amount." Class Unpaid Interest Shortfall: As to any Distribution Date and each interest-bearing Class, the amount by which the aggregate Class Interest Shortfalls for such Class on prior Distribution Dates exceeds the amount of interest actually distributed on such Class on such prior Distribution Dates pursuant to clause (ii) of the definition of "Interest Distribution Amount." Closing Date: August 28, 2001. Code: The Internal Revenue Code of 1986, as amended. Compensating Interest: As defined in Section 3.17. Conversion Date: The date on which a Mortgage Loan becomes a Converted Mortgage Loan. Converted Mortgage Loan: Any Mortgage Loan as to which the related Mortgagor has exercised its option pursuant to the related Mortgage Note to convert the adjustable rate of interest on such Mortgage Loan to a fixed rate of interest. Co-op Shares: Shares issued by private non-profit housing corporations. Corporate Trust Office: The principal office of the Trustee at which at any particular time its certificate transfer services are conducted, which office at the date of the execution of this instrument is located at 101 Barclay Street - 12 East, New York, New York 10286, Attention: Corporate Trust - MBS (Fax: (212) 815-5309). Corresponding Upper-Tier Class: As to the following Uncertificated Lower-Tier Interests, the Corresponding Upper-Tier Class, as follows: Uncertificated Lower-Tier Interest Corresponding Upper-Tier Class ---------------------------------- ------------------------------ Class A-L1 Interest Class A-1 Certificates Class A-L2 Interest Class A-2 Certificates Class A-L3 Interest Class A-3 Certificates Class A-L4 Interest Class A-4 Certificates Class A-L5 Interest Class A-5 Certificates Class A-LUR Interest Class A-R Certificate Class B-L1 Interest Class B-1 Certificates Class B-L2 Interest Class B-2 Certificates Class B-L3 Interest Class B-3 Certificates Class B-L4 Interest Class B-4 Certificates Class B-L5 Interest Class B-5 Certificates Class B-L6 Interest Class B-6 Certificates Custodian: Initially, the Trustee, and thereafter the Custodian, if any, hereafter appointed by the Trustee pursuant to Section 9.12. The Custodian may (but need not) be the Trustee or any Person directly or indirectly controlling or controlled by or under common control of either of them. Neither the Servicer nor the Depositor, nor any Person directly or indirectly controlling or controlled by or under common control with any such Person may be appointed Custodian. Customary Servicing Procedures: With respect to the Servicer, procedures (including collection procedures) that the Servicer customarily employs and exercises in servicing and administering mortgage loans for its own account and which are in accordance with accepted mortgage servicing practices of prudent lending institutions servicing mortgage loans of the same type as the Mortgage Loans in the jurisdictions in which the related Mortgaged Properties are located. Cut-Off Date: August 1, 2001. Cut-Off Date Pool Principal Balance: The aggregate of the Cut-Off Date Principal Balances of the Mortgage Loans, which is $500,267,003.86. Cut-Off Date Principal Balance: As to any Mortgage Loan, the unpaid principal balance thereof as of the close of business on the Cut-Off Date, reduced by all installments of principal due on or prior thereto whether or not paid. Debt Service Reduction: As to any Mortgage Loan and any Determination Date, the excess of (i) the Monthly Payment due on the related Due Date under the terms of such Mortgage Loan over (ii) the amount of the monthly payment of principal and/or interest required to be paid with respect to such Due Date by the Mortgagor as established by a court of competent jurisdiction (pursuant to an order which has become final and nonappealable) as a result of a proceeding initiated by or against the related Mortgagor under the Bankruptcy Code, as amended from time to time (11 U.S.C.); provided that no such excess shall be considered a Debt Service Reduction so long as (a) the Servicer is pursuing an appeal of the court order giving rise to any such modification and (b)(1) such Mortgage Loan is not in default with respect to payment due thereunder in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date or (2) Monthly Payments are being advanced by the Servicer in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date. Debt Service Reduction Mortgage Loan: Any Mortgage Loan that became the subject of a Debt Service Reduction. Defective Mortgage Loan: Any Mortgage Loan which is required to be cured, repurchased or substituted for pursuant to Sections 2.02 or 2.04. Deficient Valuation: As to any Mortgage Loan and any Determination Date, the excess of (i) the then outstanding indebtedness under such Mortgage Loan over (ii) the secured valuation thereof established by a court of competent jurisdiction (pursuant to an order which has become final and nonappealable) as a result of a proceeding initiated by or against the related Mortgagor under the Bankruptcy Code, as amended from time to time (11 U.S.C.), pursuant to which such Mortgagor retained such Mortgaged Property; provided that no such excess shall be considered a Deficient Valuation so long as (a) the Servicer is pursuing an appeal of the court order giving rise to any such modification and (b)(1) such Mortgage Loan is not in default with respect to payments due thereunder in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date or (2) Monthly Payments are being advanced by the Servicer in accordance with the terms of such Mortgage Loan as in effect on the Cut-Off Date. Deficient Valuation Mortgage Loan: Any Mortgage Loan that became the subject of a Deficient Valuation. Definitive Certificates: As defined in Section 6.02(c)(iii). Depositor: Bank of America Mortgage Securities, Inc., a Delaware corporation, or its successor in interest, as depositor of the Trust Estate. Depository: The Depository Trust Company, the nominee of which is Cede & Co., as the registered Holder of the Book-Entry Certificates or any successor thereto appointed in accordance with this Agreement. The Depository shall at all times be a "clearing corporation" as defined in Section 8-102(3) of the Uniform Commercial Code of the State of New York. 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. Determination Date: As to any Distribution Date, the 16th day of the month of the related Distribution Date or, if such 16th day is not a Business Day, the Business Day immediately preceding such 16th day. Distribution Date: The 25th day of each month beginning in September 2001 (or, if such day is not a Business Day, the next Business Day). Due Date: As to any Distribution Date and each Mortgage Loan, the first day in the calendar month of such Distribution Date. Eligible Account: Any of (i) an account or accounts maintained with (a) Bank of America, N.A., or (b) a federal or state chartered depository institution or trust company the short-term unsecured debt obligations of which (or, in the case of a depository institution or trust company that is the principal subsidiary of a holding company, the debt obligations of such holding company) have the highest short-term ratings of each Rating Agency at the time any amounts are held on deposit therein, or (ii) an account or accounts in a depository institution or trust company in which such accounts are insured by the FDIC (to the limits established by the FDIC) and the uninsured deposits in which accounts are otherwise secured such that, as evidenced by an Opinion of Counsel delivered to the Trustee and to each Rating Agency, the Certificateholders have a claim with respect to the funds in such account or a perfected first priority 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 or trust company in which such account is maintained, or (iii) a trust account or accounts maintained with the trust department of a federal or state chartered depository institution or trust company, acting in its fiduciary capacity or (iv) any other account acceptable to each Rating Agency. Eligible Accounts may bear interest and may include, if otherwise qualified under this definition, accounts maintained with the Trustee. ERISA: The Employee Retirement Income Security Act of 1974, as amended. ERISA Restricted Certificates: Any Class B-4, Class B-5 or Class B-6 Certificate. Escrow Account: As defined in Section 3.09. Escrow Payments: The amounts constituting taxes, assessments, Primary Mortgage Insurance Policy premiums, fire and hazard insurance premiums and other payments as may be required to be escrowed by the Mortgagor with the mortgagee pursuant to the terms of any Mortgage Note or Mortgage. Event of Default: As defined in Section 8.01. Excess Losses: For any Distribution Date, the amount of any (i) Fraud Losses in excess of the Fraud Loss Amount, (ii) Special Hazard Losses in excess of the Special Hazard Loss Amount or (iii) Bankruptcy Losses in excess of the Bankruptcy Loss Amount. Excess Proceeds: With respect to any Liquidated Mortgage Loan, the amount, if any, by which the sum of any Liquidation Proceeds of such Mortgage Loan received in the calendar month in which such Mortgage Loan became a Liquidated Mortgage Loan, net of any amounts previously reimbursed to the Servicer as Nonrecoverable Advance(s) with respect to such Mortgage Loan pursuant to Section 3.11(a)(iii), exceeds (i) the unpaid principal balance of such Liquidated Mortgage Loan as of the Due Date in the month in which such Mortgage Loan became a Liquidated Mortgage Loan plus (ii) accrued interest at the Mortgage Interest Rate from the Due Date as to which interest was last paid or for which a Periodic Advance was made (and not reimbursed) up to the Due Date applicable to the Distribution Date immediately following the calendar month during which such liquidation occurred. FDIC: The Federal Deposit Insurance Corporation, or any successor thereto. FHLMC: The Federal Home Loan Mortgage 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 10.01. Financial Market Service: Bloomberg Financial Service and any other financial information provider designated by the Depositor by written notice to the Trustee. FIRREA: The Financial Institutions Reform, Recovery and Enforcement Act of 1989, as amended. Fitch: Fitch, Inc., or any successor thereto. FNMA: Fannie Mae, or any successor thereto. Fractional Interest: As defined in Section 5.02(d). Fraud Loss: Realized Losses on Mortgage Loans as to which a loss is sustained by reason of a default arising from fraud, dishonesty or misrepresentation in connection with the related Mortgage Loan, including a loss by reason of the denial of coverage under any related Primary Mortgage Insurance Policy because of such fraud, dishonesty or misrepresentation. Fraud Loss Amount: For each Distribution Date occurring during the period from the Closing Date through the first anniversary of the Cut-Off Date, the Initial Fraud Loss Amount reduced by the amount of Fraud Losses allocated to the Certificates. Thereafter, the Fraud Loss Amount shall be equal to the lesser of (i) the Initial Fraud Loss Amount reduced by the amount of Fraud Losses allocated to the Certificates and (ii) for each Distribution Date occurring (a) during the period from the day after the first anniversary through the third anniversary of the Cut-Off Date, 1% of the Pool Stated Principal Balance, (b) during the period from the day after the third anniversary through the fifth anniversary of the Cut-Off Date, 0.5% of the Pool Stated Principal Balance, and (c) after the fifth anniversary of the Cut-Off Date, zero. Gross Margin: As to each Mortgage Loan, the fixed percentage set forth in the related Mortgage Note and indicated in the Mortgage Loan Schedule as the "Gross Margin," which percentage is added to the Index on each Rate Adjustment Date to determine (subject to rounding, the Periodic Cap and the Lifetime Cap) the Mortgage Interest Rate on such Mortgage Loan until the next Rate Adjustment Date. Holder: A Certificateholder. Independent: When used with respect to any specified Person means such a Person who (i) is in fact independent of the Depositor and the Servicer, (ii) does not have any direct financial interest or any material indirect financial interest in the Depositor or the Servicer or in an affiliate of either of them, and (iii) is not connected with the Depositor or the Servicer as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. Index: As to any Mortgage Loan and Rate Adjustment Date, a rate per annum that is defined to be the arithmetic mean of the London interbank offered rate quotations for one year U.S. Dollar-denominated deposits, as published in The Wall Street Journal and most recently available either (i) as of the first Business Day in the month preceding the month of the applicable Adjustment Date or (ii) forty-five days before the applicable Adjustment Date or, in the event that such index is no longer available, a substitute index selected by the Servicer in accordance with the terms of the related Mortgage Note. Indirect Depository Participant: A broker, dealer, bank or other financial institution or other Person maintaining a custodial relationship with a Depository Participant. Initial Bankruptcy Loss Amount: $116,135.05. Initial Class Certificate Balance: As to each Class of Certificates (other than the Class A-IO Certificates), the Class Certificate Balance set forth in the Preliminary Statement. The Class A-IO Certificates are Interest-Only Certificates and have no Initial Class Certificate Balance. Initial Fraud Loss Amount: $5,002,670.04. Initial Notional Amount: As to the Class A-IO Certificates, the Notional Amount set forth in the Preliminary Statement. Initial Special Hazard Amount: $6,149,475.72. Insurance Policy: With respect to any Mortgage Loan included in the Trust Estate, any related insurance policy, together with all riders and endorsements thereto in effect, including any replacement policy or policies for any Insurance Policies. Insurance Proceeds: Proceeds paid by an insurer pursuant to any Insurance Policy, in each case other than any amount included in such Insurance Proceeds in respect of Insured Expenses. Insured Expenses: Expenses covered by an Insurance Policy or any other insurance policy with respect to the Mortgage Loans. Interest Accrual Period: As to any Distribution Date and each Class of Certificates, the period from and including the first day of the calendar month preceding the calendar month of such Distribution Date to but not including the first day of the calendar month of such Distribution Date. Interest Distribution Amount: For any Distribution Date and each interest-bearing Class, the sum of (i) the Accrued Certificate Interest, subject to reduction pursuant to Section 5.02(c) and (ii) any Class Unpaid Interest Shortfall for such Class. Interest-Only Certificates: Any Class of Certificates entitled to distributions of interest, but no distributions of principal. The Class A-IO Certificates are the sole Class of Interest-Only Certificates. IO Interest Fraction: For each Uncertificated Lower-Tier Interest with respect to each Distribution Date, a fraction, the numerator of which is equal to the product of (A) the excess, if any, of the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date) over the Pass-Through Rate for the Corresponding Upper-Tier Class and (B) the Principal Balance of the Corresponding Upper-Tier Class and the denominator of which is the product of (X) the difference between the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date) and the weighted average of the Pass-Through Rates on the Classes of Certificates other than the Class A-IO Certificates as of such Distribution Date and (Y) the Pool Stated Principal Balance. The IO Interest Fraction with respect to the Class A-LUR Interest will be zero. Lifetime Cap: As to any Mortgage Loan, the maximum Mortgage Interest Rate set forth in the related Mortgage Note and indicated in the Mortgage Loan Schedule. Liquidated Mortgage Loan: With respect to any Distribution Date, a defaulted Mortgage Loan (including any REO Property) that was liquidated in the calendar month preceding the month of such Distribution Date and as to which the Servicer has certified (in accordance with this Agreement) that it has received all proceeds it expects to receive in connection with the liquidation of such Mortgage Loan including the final disposition of an REO Property. Liquidation Proceeds: Amounts, including Insurance Proceeds, received in connection with the partial or complete liquidation of defaulted Mortgage Loans, whether through trustee's sale, foreclosure sale or otherwise or amounts received in connection with any condemnation or partial release of a Mortgaged Property and any other proceeds received in connection with an REO Property, less the sum of related unreimbursed Servicing Fees and Advances. Loan-to-Value Ratio: With respect to any Mortgage Loan and any date of determination, the fraction, expressed as a percentage, the numerator of which is the outstanding 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. Lower-Tier Distribution Amount: As defined in Section 5.02(a). Lower-Tier REMIC: As defined in the Preliminary Statement, the assets of which consist of the Mortgage Loans, such amounts as shall from time to time be held in the Certificate Account, the insurance policies, if any, relating to a Mortgage Loan and property which secured a Mortgage Loan and which has been acquired by foreclosure or deed in lieu of foreclosure. MERS: As defined in Section 2.01(b)(iii). Monthly Payment: The scheduled monthly payment on a Mortgage Loan due on any Due Date allocable to principal and/or interest on such Mortgage Loan which, unless otherwise specified herein, shall give effect to any related Debt Service Reduction and any Deficient Valuation that affects the amount of the monthly payment due on such Mortgage Loan. Mortgage: The mortgage, deed of trust or other instrument creating a first lien on a Mortgaged Property securing a Mortgage Note or creating a first lien on a leasehold interest. 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 Interest Rate: As to any Mortgage Loan, the per annum rate of interest at which interest accrues on the principal balance of such Mortgage Loan, as adjusted from time to time in accordance with the provisions of the related Mortgage Note, which rate is (a) prior to the first Rate Adjustment Date for each such Mortgage Loan, the initial Mortgage Interest Rate for such Mortgage Loan indicated on the Mortgage Loan Schedule and (b) from and after such Rate Adjustment Date, the sum of the Index, as of the Rate Adjustment Date applicable to such Due Date, and the Gross Margin, rounded as set forth in such Mortgage Note, subject to the Periodic Cap and the Lifetime Cap applicable to such Mortgage Loan at any time during the life of such Mortgage Loan. Mortgage Loan Purchase Agreement: The Mortgage Loan Purchase Agreement, dated August 28, 2001, between the Bank of America, N.A., as seller, and the Depositor, as purchaser. Mortgage Loan Schedule: The list of Mortgage Loans (as from time to time amended by the Servicer to reflect the addition of Substitute Mortgage Loans and the deletion of Defective Mortgage Loans pursuant to the provisions of this Agreement) transferred to the Trustee as part of the Trust Estate and from time to time subject to this Agreement, attached hereto as Exhibit D, setting forth the following information with respect to each Mortgage Loan: (i) the Mortgage Loan identifying number; (ii) a code indicating whether the Mortgaged Property is owner-occupied; (iii) the property type for each Mortgaged Property; (iv) the original months to maturity or the remaining months to maturity from the Cut-Off Date; (v) the Loan-to-Value Ratio at origination; (vi) the Mortgage Interest Rate as of the Cut-Off Date; (vii) the date on which the first Monthly Payment was due on the Mortgage Loan, and, if such date is not the Due Date currently in effect, such Due Date; (viii) the stated maturity date; (ix) the amount of the Monthly Payment as of the Cut-Off Date; (x) the paid-through date; (xi) the original principal amount of the Mortgage Loan; (xii) the principal balance of the Mortgage Loan as of the close of business on the Cut-Off Date, after application of payments of principal due on or before the Cut-Off Date, whether or not collected, and after deduction of any payments collected of scheduled principal due after the Cut-Off Date; (xiii) a code indicating the purpose of the Mortgage Loan; (xiv) a code indicating the documentation style; (xv) the Appraised Value; (xvi) the first Rate Adjustment Date; (xvii) the Rate Ceiling; (xviii) the Periodic Cap; (xix) the Gross Margin; and (xx) whether such Mortgage Loan has an option to convert from an adjustable rate of interest to a fixed rate of interest. With respect to the Mortgage Loans in the aggregate, the Mortgage Loan Schedule shall set forth the following information, as of the Cut-Off Date: (i) the number of Mortgage Loans; (ii) the current aggregate outstanding principal balance of the Mortgage Loans; (iii) the weighted average Mortgage Rate of the Mortgage Loans; and (iv) the weighted average months to maturity of the Mortgage Loans. 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 as a part of the Trust Estate (including any Substitute Mortgage Loans and REO Property), the Mortgage Loans originally so held being identified in the Mortgage Loan Schedule. Mortgage Note: The originally executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan, together with all riders thereto and amendments thereof. Mortgaged Property: The underlying property securing a Mortgage Loan, which may include Co-op Shares or residential long-term leases. Mortgagor: The obligor on a Mortgage Note. Net Mortgage Interest Rate: As to any Mortgage Loan and Distribution Date, such Mortgage Loan's Mortgage Interest Rate thereon on the first day of the month preceding the month of the related Distribution Date reduced by the Servicing Fee Rate and the Trustee Fee Rate. Non-Supported Interest Shortfalls: As to any Distribution Date, the amount, if any, by which the aggregate of Prepayment Interest Shortfalls exceeds Compensating Interest for such Distribution Date. Non-U.S. Person: A Person other than a U.S. Person. Nonrecoverable Advance: Any portion of an Advance previously made or proposed to be made in respect of a Mortgage Loan which has not been previously reimbursed and which, in the good faith judgment of the Servicer, will not or, in the case of a proposed Advance, would not be ultimately recoverable from the related Mortgagor, related Liquidation Proceeds, or other recoveries in respect of the related Mortgage Loan. Notional Amount: The Class A-IO Notional Amount. Offered Certificates: The Class A, Class B-1, Class B-2 and Class B-3 Certificates. Officer's Certificate: A certificate signed by the Chairman of the Board, Vice Chairman of the Board, President or a Vice President and by the Treasurer, the Secretary or one of the Assistant Treasurers or Assistant Secretaries, or any other duly authorized officer of the Depositor or the Servicer, as the case may be, and delivered to the Trustee. Opinion of Counsel: A written opinion of counsel acceptable to the Trustee, who may be counsel for the Depositor or the Servicer, except that any opinion of counsel relating to the qualification of the Trust Estate as two separate REMICs or compliance with the REMIC Provisions must be an opinion of Independent counsel. Original Fractional Interest: With respect to each of the following Classes of Subordinate Certificates, the corresponding percentage described below, as of the Closing Date: Class B-1 1.70% Class B-2 1.10% Class B-3 0.60% Class B-4 0.40% Class B-5 0.20% Class B-6 0.00% Original Subordinate Certificate Balance: 16,259,003.86 OTS: The Office of Thrift Supervision. Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan which was not the subject of a Principal Prepayment in Full prior to such Due Date, which did not become a Liquidated Mortgage Loan prior to such Due Date and which was not purchased from the Trust prior to such Due Date pursuant to Sections 2.02, 2.04 or 2.09. 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: As to each Class of interest-bearing Certificates, the per annum rate set forth or described in the Preliminary Statement. Paying Agent: As defined in Section 9.13. Percentage Interest: As to any Certificate, the percentage obtained by dividing the initial Certificate Balance of such Certificate (or the initial Certificate Notional Amount of a Class A-IO Certificate) by the Initial Class Certificate Balance or Initial Notional Amount, as applicable, of the Class of which such Certificate is a part. Periodic Advance: The payment required to be made by the Servicer with respect to any Distribution Date pursuant to Section 3.20, the amount of any such payment being equal to the aggregate of Monthly Payments (net of the Servicing Fee) on the Mortgage Loans (including any REO Property) that were due on the related Due Date and not received as of the close of business on the related Determination Date, less the aggregate amount of any such delinquent payments that the Servicer has determined would constitute a Nonrecoverable Advance if advanced. Periodic Cap: For each Mortgage Loan, the applicable limit on adjustment of the Mortgage Interest Rate for each Rate Adjustment Date specified in the applicable Mortgage Note and designated as such in the Mortgage Loan Schedule. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to principal and interest by the United States, FHLMC, FNMA or any agency or instrumentality of the United States when such obligations are backed by the full faith and credit of the United States; provided that such obligations of FHLMC or FNMA shall be limited to senior debt obligations and mortgage participation certificates other than investments in mortgage-backed or mortgage participation securities with yields evidencing extreme sensitivity to the rate of principal payments on the underlying mortgages, which shall not constitute Permitted Investments hereunder; (ii) repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof with a corporation incorporated under the laws of the United States or any state thereof rated not lower than "F-1" by Fitch and "A-1" by S and P; (iii) federal funds, certificates of deposit, demand deposits, time deposits and bankers' acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers' acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof, rated not lower than "F-1" by Fitch and "A-1" by S and P; (iv) commercial paper (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which is rated not lower than "F-1" by Fitch and "A-1" by S and P; (v) investments in money market funds (including funds of the Trustee or its affiliates, or funds for which an affiliate of the Trustee acts as advisor, as well as funds for which the Trustee and its affiliates may receive compensation) rated "AAA" by Fitch and "AAAm" or "AAAm G" by S and P or otherwise approved in writing by each Rating Agency; and (vi) other obligations or securities that are acceptable to each Rating Agency and, as evidenced by an Opinion of Counsel obtained by the Servicer, will not affect the qualification of the Trust Estate as a two separate REMICs; provided, however, that no instrument shall be a Permitted Investment if it represents either (a) the right to receive only interest payments with respect to the underlying debt instrument or (b) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations. Permitted Transferee: Any Person other than (i) the United States, or any State or any political subdivision thereof, or any agency or instrumentality of any of the foregoing, (ii) a foreign government, international organization or any agency or instrumentality of either of the foregoing, (iii) an organization which is exempt from tax imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of the Code on unrelated business taxable income) (except certain farmers' cooperatives described in Code Section 521), (iv) rural electric and telephone cooperatives described in Code Section 1381(a)(2)(C) and (v) any other Person so designated by the Servicer based on an Opinion of Counsel to the effect that any transfer to such Person may cause the Trust or any other Holder of a Residual Certificate to incur tax liability that would not be imposed other than on account of such transfer. The terms "United States," "State" and "international organization" shall have the meanings set forth in Code Section 7701 or successor provisions. 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. Physical Certificates: The Class A-R, Class A-LR, Class B-4, Class B-5 and Class B-6 Certificates. Plan: As defined in Section 6.02(e). Pool Distribution Amount: As to any Distribution Date, the excess of (a) the sum of (i) the aggregate of (A) the interest portion of any Monthly Payment (net of the Servicing Fee) and the principal portion of any Monthly Payment due on the Due Date in the month in which such Distribution Date occurs and which is received prior to the related Determination Date and (B) all Periodic Advances and payments of Compensating Interest made by the Servicer in respect of such Distribution Date deposited to the Servicer Custodial Account pursuant to Section 3.08(b)(vii); (ii) all Liquidation Proceeds received during the preceding calendar month and deposited to the Servicer Custodial Account pursuant to Section 3.08(b)(iii); (iii) all Principal Prepayments received during the month preceding the month of such Distribution Date and deposited to the Servicer Custodial Account pursuant to Section 3.08(b)(i) during such period; (iv) in connection with Defective Mortgage Loans, as applicable, the aggregate of the Repurchase Prices and Substitution Adjustment Amounts deposited on the related Remittance Date pursuant to Section 3.08(b)(vi); and (v) any other amounts in the Servicer Custodial Account deposited therein pursuant to Sections 3.08(b)(iv), (v) and (viii) in respect of such Distribution Date; over (b) any (i) amounts permitted to be withdrawn from the Servicer Custodial Account pursuant to clauses (i) through (vii), inclusive, of Section 3.11(a) and (ii) amounts permitted to be withdrawn from the Certificate Account pursuant to clauses (i) and (ii) of Section 3.11(b). Pool Stated Principal Balance: As to any Distribution Date, the aggregate Stated Principal Balances of all Mortgage Loans that were Outstanding Mortgage Loans immediately following the Due Date in the month of such Distribution Date. Prepayment Interest Shortfall: As to any Distribution Date and each Mortgage Loan subject to a Principal Prepayment received during the calendar month preceding such Distribution Date, the amount, if any, by which one month's interest at the related Mortgage Interest Rate (net of the Servicing Fee) on such Principal Prepayment exceeds the amount of interest paid in connection with such Principal Prepayment. Primary Mortgage Insurance Policy: Each policy of primary mortgage guaranty insurance or any replacement policy therefor with respect to any Mortgage Loan, in each case issued by an insurer acceptable to FNMA or FHLMC. Principal Amount: As to any Distribution Date, the sum of (a) the principal portion of each Monthly Payment (without giving effect, prior to the reduction of the Bankruptcy Loss Amount to zero, to any reductions thereof caused by any Debt Service Reductions) due on each Mortgage Loan on the related Due Date, (b) the Stated Principal Balance, as of the date of repurchase, of each Mortgage Loan that was repurchased by the Depositor pursuant to this Agreement as of such Distribution Date, (c) any Substitution Adjustment Amount in connection with a Defective Mortgage Loan received with respect to such Distribution Date, (d) any Liquidation Proceeds allocable to recoveries of principal of Mortgage Loans that are not yet Liquidated Mortgage Loans received during the calendar month preceding the month of such Distribution Date, (e) with respect to each Mortgage Loan that became a Liquidated Mortgage Loan during the calendar month preceding the month of such Distribution Date, the amount of Liquidation Proceeds allocable to principal received during the calendar month preceding the month of such Distribution Date with respect to such Mortgage Loan and (f) all Principal Prepayments received during the calendar month preceding the month of such Distribution Date. Principal Prepayment: Any payment or other recovery of principal on a Mortgage Loan (other than Liquidation Proceeds) which is received in advance of its scheduled Due Date and is not accompanied by an amount of interest representing scheduled interest due on any date or dates in any month or months subsequent to the month of prepayment. Principal Prepayment in Full: Any Principal Prepayment of the entire principal balance of a Mortgage Loan. Private Certificates: The Class B-4, Class B-5 and Class B-6 Certificates. Pro Rata Share: As to any Distribution Date and any Class of Subordinate Certificates that is not a Restricted Class, the portion of the Subordinate Principal Distribution Amount allocable to such Class, equal to the product of the Subordinate Principal Distribution Amount for such Distribution Date and a fraction, the numerator of which is the related Class Certificate Balance thereof and the denominator of which is the aggregate Class Certificate Balance of the Subordinate Certificates that are not Restricted Classes. The Pro Rata Share of a Restricted Class shall be 0%. Qualified Appraiser: An appraiser of a Mortgaged Property duly appointed by the originator of the related Mortgage Loan, who had no interest, direct or indirect, in such Mortgaged Property or in any loan made on the security thereof, whose compensation is not affected by the approval or disapproval of the related Mortgage Loan and who met the minimum qualifications of FNMA or FHLMC. Rate Adjustment Date: As to each Mortgage Loan, the Due Date on which date an adjustment to the Mortgage Interest Rate of such Mortgage Loan becomes effective under the related Mortgage Note, which Due Date is the date set forth in the Mortgage Loan Schedule as the first Rate Adjustment Date and each subsequent anniversary thereof. Rate Ceiling: The maximum per annum Mortgage Interest Rate permitted under the related Mortgage Note. Rating Agency: Each of S and P and Fitch. If any of such organizations or a successor is no longer in existence, "Rating Agency" shall be such nationally recognized statistical rating organization, or other comparable Person, as is designated by the Depositor, notice of which designation shall be given to the Trustee. References herein to a given rating or rating category of a Rating Agency shall mean such rating category without giving effect to any modifiers. Realized Loss: With respect to each Liquidated Mortgage Loan, an amount as of the date of such liquidation, equal to (i) the unpaid principal balance of the Liquidated Mortgage Loan as of the date of such liquidation, plus (ii) interest at the Net Mortgage Interest Rate from the Due Date as to which interest was last paid or advanced (and not reimbursed) to Certificateholders up to the Due Date in the month in which Liquidation Proceeds are required to be distributed on the Stated Principal Balance of such Liquidated Mortgage Loan from time to time, minus (iii) the Liquidation Proceeds, if any, received during the month in which such liquidation occurred, to the extent applied as recoveries of interest at the Net Mortgage Interest Rate and to principal of the Liquidated Mortgage Loan. With respect to each Mortgage Loan that has become the subject of a Deficient Valuation, if the principal amount due under the related Mortgage Note has been reduced, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation. With respect to each Mortgage Loan that has become the subject of a Debt Service Reduction and any Distribution Date, the amount, if any, by which the principal portion of the related Monthly Payment has been reduced. Record Date: The last day of the month (or, if such day is not a Business Day, the preceding Business Day) preceding the month of the related Distribution Date. Refinance Mortgage Loan: Any Mortgage Loan the proceeds of which were not used to purchase the related Mortgaged Property. Regular Certificates: As defined in the Preliminary Statement hereto. Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as amended. Relief Act Reduction: With respect to any Distribution Date, for any Mortgage Loan as to which there has been a reduction in the amount of interest collectible thereon for the most recently ended calendar month as a result of the application of the Relief Act, the amount, if any, by which (i) interest collectible on such Mortgage Loan for the most recently ended calendar month is less than (ii) interest accrued pursuant to the terms of the Mortgage Note on the same principal amount and for the same period as the interest collectible on such Mortgage Loan for the most recently ended calendar month. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. REMIC Certificate Maturity Date: The "latest possible maturity date" of the Regular Certificates as that term is defined in Section 2.07. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Section 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and regulations promulgated thereunder, as the foregoing may be in effect from time to time, as well as provisions of applicable state laws. Remittance Date: As to any Distribution Date, by 2:00 p.m. Eastern time on the Business Day immediately preceding such Distribution Date. REO Disposition Period: As defined in Section 3.14. REO Proceeds: Proceeds, net of any related expenses of the Servicer, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property) which are received prior to the final liquidation of such Mortgaged Property. REO Property: A Mortgaged Property acquired by the Servicer on behalf of the Trust through foreclosure or deed-in-lieu of foreclosure in connection with a defaulted Mortgage Loan. Repurchase Price: As to any Defective Mortgage Loan repurchased on any date pursuant to Sections 2.02 or 2.04 and as to any Converted Mortgage Loan repurchased on any date pursuant to Section 2.09, an amount equal to the sum of (i) the unpaid principal balance thereof and (ii) the unpaid accrued interest thereon at the applicable Mortgage Interest Rate 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 Mortgage Loan became eligible to be repurchased. Request for Release: The Request for Release submitted by the Servicer to the Trustee or the Custodian on behalf of the Trustee, substantially in the form of Exhibit E. 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 in respect of such Mortgage Loan. Residual Certificates: The Class A-R and Class A-LR Certificates. Responsible Officer: When used with respect to the Trustee, any officer of the Corporate Trust Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers and having responsibility for the administration of this Agreement. Restricted Classes: As defined in Section 5.02(d). S & P: Standard & Poor's, a division of The McGraw-Hill Companies, Inc., or any successor thereto. Seller: Bank of America, N.A., a national banking association, or its successor in interest, as seller of the Mortgage Loans under the Mortgage Loan Purchase Agreement. Senior Certificates: The Class A Certificates. Senior Credit Support Depletion Date: The date on which the aggregate Class Certificate Balance of the Subordinate Certificates is reduced to zero. Senior Percentage: With respect to any Distribution Date, the percentage, carried six places rounded up, obtained by dividing the aggregate Class Certificate Balance of the Senior Certificates immediately prior to such Distribution Date by the aggregate Class Certificate Balance of all Classes of Certificates immediately prior to such Distribution Date. Senior Prepayment Percentage: For any Distribution Date during the seven years beginning on the first Distribution Date, 100%. The Senior Prepayment Percentage for any Distribution Date occurring on or after the seventh anniversary of the first Distribution Date will, except as provided herein, be as follows: for any Distribution Date in the first year thereafter, the Senior Percentage plus 70% of the Subordinate Percentage for such Distribution Date; for any Distribution Date in the second year thereafter, the Senior Percentage plus 60% of the Subordinate Percentage for such Distribution Date; for any Distribution Date in the third year thereafter, the Senior Percentage plus 40% of the Subordinate Percentage for such Distribution Date; for any Distribution Date in the fourth year thereafter, the Senior Percentage plus 20% of the Subordinate Percentage for such Distribution Date; and for any Distribution Date in the fifth or later years thereafter, the Senior Percentage for such Distribution Date, unless (i) on any of the foregoing Distribution Dates the Senior Percentage exceeds the initial Senior Percentage, in which case the Senior Prepayment Percentage for such Distribution Date will once again equal 100%, (ii) on any Distribution Date before the Distribution Date occurring in September 2004, the Subordinate Percentage for such Distribution Date is greater than or equal to twice the initial Subordinate Percentage, in which case the Senior Prepayment Percentage for such Distribution Date will equal the Senior Percentage plus 50% of the Subordinate Percentage or (iii) on any Distribution Date occurring after the Distribution Date in September 2004, the Subordinate Percentage for such Distribution Date is greater than or equal to twice the initial Subordinate Percentage, in which case the Senior Prepayment Percentage for such Distribution Date will equal the Senior Percentage. Notwithstanding the foregoing, no decrease in the Senior Prepayment Percentage will occur and the Senior Prepayment Percentage will be calculated without regard to clause (ii) or (iii) in the preceding sentence unless both of the Senior Step Down Conditions are satisfied. Senior Principal Distribution Amount: As to any Distribution Date, the sum of (i) the Senior Percentage of all amounts described in clauses (a) through (d) of the definition of "Principal Amount" for such Distribution Date and (ii) the Senior Prepayment Percentage of the amounts described in clauses (e) and (f) of the definition of "Principal Amount" for such Distribution Date; provided, however, that if a Debt Service Reduction that is an Excess Loss is sustained with respect to a Mortgage Loan that is not a Liquidated Mortgage Loan, the Senior Principal Distribution Amount will be reduced on the related Distribution Date by the Senior Percentage of the principal portion of such Debt Service Reduction. Senior Step Down Conditions: As of any Distribution Date as to which any decrease in the Senior Prepayment Percentage applies, (i) the outstanding principal balance of all Mortgage Loans (including, for this purpose, any Mortgage Loans in foreclosure or any REO Property) delinquent 60 days or more (averaged over the preceding six month period), as a percentage of the aggregate Class Certificate Balance of the Subordinate Certificates (averaged over the preceding six-month period), is not equal to or greater than 50% or (ii) cumulative Realized Losses with respect to the Mortgage Loans as of the applicable Distribution Date do not exceed the percentages of the Original Subordinate Certificate Balance set forth below: Percentage of Original Distribution Date Occurring In Subordinate Certificate Balance ------------------------------ ------------------------------- September 2001 through August 2009 30% September 2009 through August 2010 35% September 2010 through August 2011 40% September 2011 through August 2012 45% September 2012 and thereafter 50% Servicer: Bank of America, N.A., a national banking association, or its successor in interest, in its capacity as servicer of the Mortgage Loans, or any successor servicer appointed as herein provided. Servicer Advance Date: As to any Distribution Date, 11:30 a.m., Eastern time, on the Business Day immediately preceding such Distribution Date. Servicer Custodial Account: The separate Eligible Account or Accounts created and maintained by the Servicer pursuant to Section 3.08(b). Servicer's Certificate: The monthly report required by Section 4.01. Servicing Advances: All customary, reasonable and necessary "out of pocket" costs and expenses incurred in the performance by the Servicer of its servicing obligations, including, but not limited to (i) the preservation, restoration and protection of a Mortgaged Property, (ii) expenses reimbursable to the Servicer pursuant to Section 3.14 and any enforcement or judicial proceedings, including foreclosures, (iii) the management and liquidation of any REO Property and (iv) compliance with the obligations under Section 3.12. Servicing Fee: With respect to each Mortgage Loan and Distribution Date, the amount of the fee payable to the Servicer, which shall, for such Distribution Date, be equal to one-twelfth of the product of the Servicing Fee Rate with respect to such Mortgage Loan and the Stated Principal Balance of such Mortgage Loan, subject to reduction as provided in Section 3.17. Such fee shall be payable monthly, computed on the basis of the same Stated Principal Balance and period respecting which any related interest payment on a Mortgage Loan is computed. The Servicer's right to receive the Servicing Fee is limited to, and payable solely from, the interest portion (including recoveries with respect to interest from Liquidation Proceeds and other proceeds, to the extent permitted by Section 3.11) of related Monthly Payments collected by the Servicer, or as otherwise provided under Section 3.11. Servicing Fee Rate: With respect to each Mortgage Loan, 0.459% per annum until and including the April 2006 Distribution Date. After the April 2006 Distribution Date, the Servicing Fee Rate with respect to each Mortgage Loan will be 0.250% per annum. Servicing File: The items pertaining to a particular Mortgage Loan referred to in Exhibit J hereto, and any additional documents required to be added to the Servicing File pursuant to the Agreement. Servicing Officer: Any officer of the Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name appears on a list of servicing officers furnished to the Trustee by the Servicer, as such list may from time to time be amended. Similar Law: As defined in Section 6.02(e). Special Hazard Loss: As to a Mortgaged Property, any Realized Loss on account of direct physical loss, exclusive of (i) any loss covered by a hazard policy or a flood insurance policy maintained in respect of such Mortgaged Property pursuant to Section 3.12 and (ii) any loss caused by or resulting from: (a) (i) wear and tear, deterioration, rust or corrosion, mold, wet or dry rot; inherent vice or latent defect; animals, birds, vermin or insects; or (ii) settling, subsidence, cracking, shrinkage, building or expansion of pavements, foundations, walls, floors, roofs or ceilings; (b) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues and then only for the ensuing loss; (c) nuclear or chemical reaction or nuclear radiation or radioactive or chemical contamination, all whether controlled or uncontrolled, and whether such loss is direct or indirect, proximate or remote; or (d) (i) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack (A) by any government or sovereign power (de jure or de facto), or by any authority maintaining or using military, naval or air forces; or (B) by military, naval or air forces; or (C) by an agent of any such government, power, authority or forces; (ii) any weapon of war or facility for producing same employing atomic fission, radioactive force or chemical or biological contaminants, whether in time of peace or war; or (iii) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combating 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. Special Hazard Loss Amount: As to any Distribution Date, the lesser of (a) the greatest of (i) 1% of the Pool Stated Principal Balance of the Mortgage Loans, (ii) twice the principal balance of the largest Mortgage Loan, and (iii) the aggregate principal balance of all Mortgage Loans secured by Mortgaged Properties located in the single California five-digit postal zip code having the highest aggregate principal balance of any zip code area (all principal balances to be calculated as of the first day of the month preceding such Distribution Date after giving effect to Monthly Payments then due, whether or not paid) and (b) the Initial Special Hazard Loss Amount, reduced (but not below zero) by the amount of Realized Losses in respect of Special Hazard Mortgage Loans previously incurred during the period from the Cut-Off Date through the last day of the month preceding the month of such Distribution Date. The Special Hazard Loss Amount may be further reduced from time to time below the amounts specified above with the written consent of the Rating Agencies and without resulting in a downgrading to the then-current rating of the Certificates. Special Hazard Mortgage Loan: Any Liquidated Mortgage Loan as to which the ability to recover thereon was substantially impaired by reason of a hazard or loss not covered by a hazard policy or flood insurance policy maintained in respect of such Mortgaged Property pursuant to Section 3.12. Stated Principal Balance: As to any Mortgage Loan and date, the unpaid principal balance of such Mortgage Loan as of the Due Date immediately preceding such date as specified in the amortization schedule at the time relating thereto (before any adjustment to such amortization schedule by reason of any moratorium or similar waiver or grace period) after giving effect to any previous partial Principal Prepayments and Liquidation Proceeds allocable to principal (other than with respect to any Liquidated Mortgage Loan) and to the payment of principal due on such Due Date and irrespective of any delinquency in payment by the related Mortgagor, and after giving effect to any Deficient Valuation. Subordinate Certificates: The Class B Certificates. Subordinate Percentage: As of any Distribution Date, 100% minus the Senior Percentage for such Distribution Date. Subordinate Prepayment Percentage: As to any Distribution Date, 100% minus the Senior Prepayment Percentage for such Distribution Date. Subordinate Principal Distribution Amount: With respect to any Distribution Date, an amount equal to the sum of (i) the Subordinate Percentage of all amounts described in clauses (a) through (d) of the definition of "Principal Amount" for such Distribution Date and (ii) the Subordinate Prepayment Percentage of the amounts described in clauses (e) and (f) of the definition of "Principal Amount" for such Distribution Date; provided, however, that if a Debt Service Reduction that is an Excess Loss is sustained with respect to a Mortgage Loan that is not a Liquidated Mortgage Loan, the Subordinate Principal Distribution Amount will be reduced on the related Distribution Date by the Subordinate Percentage of the principal portion of such Debt Service Reduction. Subservicer: Any Person with which the Servicer has entered into a Subservicing Agreement and which satisfies the requirements set forth therein. Subservicing Agreement: Any subservicing agreement (which, in the event the Subservicer is an affiliate of the Servicer, need not be in writing) between the Servicer and any Subservicer relating to servicing and/or administration of certain Mortgage Loans as provided in Section 3.02. Substitute Mortgage Loan: A Mortgage Loan substituted for a Defective Mortgage Loan which must, on the date of such substitution (i) have a Stated Principal Balance, after deduction of the principal portion of the Monthly Payment due in the month of substitution, not in excess of, and not more than 10% less than, the Stated Principal Balance of the Defective Mortgage Loan; (ii) have a Net Mortgage Interest Rate equal to that of the Defective Mortgage Loan; (iii) have a Loan-to-Value Ratio not higher than that of the Defective Mortgage Loan; (iv) have a Gross Margin equal to that of the Defective Mortgage Loan; (v) have a Periodic Cap and Rate Ceiling equal to that of the Defective Mortgage Loan; (vi) have the same Index and frequency of mortgage interest rate adjustment as the Deleted Mortgage Loan; (vii) have a remaining term to maturity not greater than (and not more than one year less than) that of the Defective Mortgage Loan; and (viii) comply with each Mortgage Loan representation and warranty set forth in the Sale Agreement relating to the Defective Mortgage Loan. More than one Substitute Mortgage Loan may be substituted for a Defective Mortgage Loan if such Substitute Mortgage Loans meet the foregoing attributes in the aggregate. Substitution Adjustment Amount: As defined in Section 2.02. Tax Matters Person: The person designated as "tax matters person" in accordance with Section 5.06 and the manner provided under Treasury Regulation ss. 1.860F-4(d) and Treasury Regulation ss. 301.6231(a)(7)-1. Treasury Regulations: The final and temporary regulations promulgated under the Code by the U.S. Department of the Treasury. Trust: The trust created by this Agreement. Trust Estate: The corpus of the Trust created to the extent described herein, consisting of the Mortgage Loans, such assets as shall from time to time be identified as deposited in the Servicer Custodial Account or the Certificate Account, in accordance with this Agreement, REO Property, the Primary Mortgage Insurance Policies and any other Required Insurance Policy. Trustee: The Bank of New York, and its successors-in-interest and, if a successor trustee is appointed hereunder, such successor, as trustee. Trustee Fee: As to any Distribution Date, an amount equal to one-twelfth of the Trustee Fee Rate multiplied by the aggregate Stated Principal Balance of the Mortgage Loans immediately following the Due Date in the month preceding the month in which such Distribution Date occurs. Trustee Fee Rate: With respect to each Mortgage Loan, 0.0030% per annum. Uncertificated Lower-Tier Interest: A regular interest in the Lower-Tier REMIC which is held as an asset of the Upper-Tier REMIC and is entitled to monthly distributions as provided in Section 5.02(a) hereof. Any of the Class A-L1, Class A-L2, Class A-L3, Class A-L4, Class A-L5, Class A-LUR, Class B-L1, Class B-L2, Class B-L3, Class B-L4, Class B-L5 and Class B-L6 Interests are Uncertificated Lower-Tier Interests. Underwriting Guidelines: The underwriting guidelines of Bank of America, N.A. Upper-Tier Certificate: Any one of the Class A Certificates (other than the Class A-LR Certificate) and the Class B Certificates. Upper-Tier Certificate Account: The separate Eligible Account established and maintained by the Trustee pursuant to Section 3.08(f). Upper-Tier REMIC: As defined in the Preliminary Statement, the assets of which consist of the Uncertificated Lower-Tier Interests and such amounts as shall from time to time be held in the Upper-Tier Certificate Account. U.S. Person: A citizen or resident of the United States, a corporation or partnership (unless, in the case of a partnership, Treasury Regulations are adopted that provide otherwise) created or organized in or under the laws of the United States, any state thereof or the District of Columbia, including an entity treated as a corporation or partnership for federal income tax purposes, 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 such trust, and one or more such U.S. Persons have the authority to control all substantial decisions of such trust (or, to the extent provided in applicable Treasury Regulations, certain trusts in existence on August 20, 1996 which are eligible to elect to be treated as U.S. Persons). Voting Rights: The portion of the voting rights of all of the Certificates which is allocated to any Certificate. As of any date of determination, (a) 1% of all Voting Rights shall be allocated to the Holders of the Residual Certificates, (b) 1% of all Voting Rights shall be allocated to the Holders of the Interest-Only Certificates and (c) the remaining Voting Rights shall be allocated among Holders of the remaining Classes of Certificates in proportion to the Certificate Balances of their respective Certificates on such date. Section 1.02 Interest Calculations. All calculations of interest will be made on a 360-day year consisting of twelve 30-day months. All dollar amounts calculated hereunder shall be rounded to the nearest penny with one-half of one penny being rounded down. 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, hereby sells, transfers, assigns, sets over and otherwise conveys to the Trustee on behalf of the Trust for the benefit of the Certificateholders, 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 (other than payments of principal and interest due and payable on the Mortgage Loans on or before the Cut-Off Date). The foregoing sale, transfer, assignment and set over does not and is not intended to result in a creation of an assumption by the Trustee of any obligation of the Depositor or any other Person in connection with the Mortgage Loans or any agreement or instrument relating thereto, except as specifically set forth herein. (b) In connection with such transfer and assignment, the Depositor has delivered or caused to be delivered to the Trustee, for the benefit of the Certificateholders, the following documents or instruments with respect to each Mortgage Loan so assigned: (i) the original Mortgage Note, endorsed by manual or facsimile signature in the following form: "Pay to the order of The Bank of New York, as Trustee, without recourse," with all necessary intervening endorsements showing a complete chain of endorsement from the originator to the Trustee (each such endorsement being sufficient to transfer all right, title and interest of the party so endorsing, as noteholder or assignee thereof, in and to that Mortgage Note); (ii) except as provided below, the original recorded Mortgage with evidence of a recording thereon, or if any such Mortgage has not been returned from the applicable recording office or has been lost, or if such public recording office retains the original recorded Mortgage, a copy of such Mortgage certified by the Depositor as being a true and correct copy of the Mortgage; (iii) subject to the provisos at the end of this paragraph, a duly executed Assignment of Mortgage to "Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-E, The Bank of New York, as trustee for the holders of the Certificates" (which may be included in a blanket assignment or assignments), together with, except as provided below, originals of all interim recorded assignments of such mortgage or a copy of such interim assignment certified by the Depositor as being a true and complete copy of the original recorded intervening assignments of Mortgage (each such assignment, when duly and validly completed, to be in recordable form and sufficient to effect the assignment of and transfer to the assignee thereof, under the Mortgage to which the assignment relates); provided that, if the related Mortgage has not been returned from the applicable public recording office, such Assignment of Mortgage may exclude the information to be provided by the recording office; and provided, further, if the related Mortgage has been recorded in the name of Mortgage Electronic Registration Systems, Inc. ("MERS") or its designee, no Assignment of Mortgage in favor of the Trustee will be required to be prepared or delivered and instead, the Servicer shall take all actions as are necessary to cause the Trust to be shown as the owner of the related Mortgage Loan on the records of MERS for purposes of the system of recording transfers of beneficial ownership of mortgages maintained by MERS; (iv) the originals of all assumption, modification, consolidation or extension agreements, if any, with evidence of recording thereon, if any; (v) the original or duplicate original mortgagee title insurance policy and all riders thereto; (vi) the original of any guarantee executed in connection with the Mortgage Note; (vii) for each Mortgage Loan which is secured by a residential long-term lease, a copy of the lease with evidence of recording indicated thereon, or, if the lease is in the process of being recorded, a photocopy of the lease, certified by an officer of the respective prior owner of such Mortgage Loan or by the applicable title insurance company, closing/settlement/escrow agent or company or closing attorney to be a true and correct copy of the lease transmitted for recordation; (viii) the original of any security agreement, chattel mortgage or equivalent document executed in connection with the Mortgage; and (ix) for each Mortgage Loan secured by Co-op Shares, the originals of the following documents or instruments: (A) The stock certificate; (B) The stock power executed in blank; (C) The executed proprietary lease; (D) The executed recognition agreement; (E) The executed assignment of recognition agreement; (F) The executed UCC-1 financing statement with evidence of recording thereon; and (G) Executed UCC-3 financing statements or other appropriate UCC financing statements required by state law, evidencing a complete and unbroken line from the mortgagee to the Trustee with evidence of recording thereon (or in a form suitable for recordation). provided, however, that on the Closing Date, with respect to item (iii), the Depositor has delivered to the Trustee a copy of such Assignment of Mortgage in blank and has caused the Servicer to retain the completed Assignment of Mortgage for recording as described below, unless such Mortgage has been recorded in the name of MERS or its designee. In addition, if the Depositor is unable to deliver or cause the delivery of any original Mortgage Note due to the loss of such original Mortgage Note, the Depositor may deliver a copy of such Mortgage Note, together with a lost note affidavit, and shall thereby be deemed to have satisfied the document delivery requirements of this Section 2.01(b). As set forth on Exhibit L attached hereto is a list of all states where recordation is required by either Rating Agency to obtain the initial ratings of the Certificates. The Trustee may rely and shall be protected in relying upon the information contained in such Exhibit L. If in connection with any Mortgage Loans, the Depositor cannot deliver (A) the Mortgage, (B) all interim recorded assignments, (C) all assumption, modification, consolidation or extension agreements, if any, or (D) the lender's title policy (together with all riders thereto) satisfying the requirements of clause (ii), (iii), (iv) or (v) above, respectively, concurrently with the execution and delivery hereof because such document or documents have not been returned from the applicable public recording office in the case of clause (ii), (iii) or (iv) above, or because the title policy has not been delivered to either the Servicer or the Depositor by the applicable title insurer in the case of clause (v) above, the Depositor shall promptly deliver or cause to be delivered to the Trustee or the Custodian on behalf of the Trustee, in the case of clause (ii), (iii) or (iv) above, such Mortgage, such interim assignment or such assumption, modification, consolidation or extension agreement, as the case may be, with evidence of recording indicated thereon upon receipt thereof from the public recording office, but in no event shall any such delivery of any such documents or instruments be made later than one year following the Closing Date, unless, in the case of clause (ii), (iii) or (iv) above, there has been a continuing delay at the applicable recording office or, in the case of clause (v), there has been a continuing delay at the applicable insurer and the Depositor has delivered the Officer's Certificate to such effect to the Trustee. The Depositor shall forward or cause to be forwarded to the Trustee (1) from time to time additional original documents evidencing an assumption or modification of a Mortgage Loan and (2) any other documents required to be delivered by the Depositor or the Servicer to the Trustee or the Custodian on the Trustee's behalf. In the event that the original Mortgage is not delivered and in connection with the payment in full of the related Mortgage Loan the public recording office requires the presentation of a "lost instruments affidavit and indemnity" or any equivalent document, because only a copy of the Mortgage can be delivered with the instrument of satisfaction or reconveyance, the Servicer shall prepare, execute and deliver or cause to be prepared, executed and delivered, on behalf of the Trust, such a document to the public recording office. As promptly as practicable subsequent to such transfer and assignment, and in any event, within 30 days thereafter, the Servicer shall (except for any Mortgage which has been recorded in the name of MERS or its designee) (I) cause each Assignment of Mortgage to be in proper form for recording in the appropriate public office for real property records within 30 days of the Closing Date and (II) at the Depositor's expense, cause to be delivered for recording in the appropriate public office for real property records the Assignments of the Mortgages to the Trustee, except that, with respect to any Assignment of a Mortgage as to which the Servicer has not received the information required to prepare such assignment in recordable form, the Servicer's obligation to do so and to deliver the same for such recording shall be as soon as practicable after receipt of such information and in any event within 30 days after the receipt thereof and, no recording of an Assignment of Mortgage will be required in a state if either (i) the Depositor furnishes to the Trustee an unqualified Opinion of Counsel reasonably acceptable to the Trustee to the effect that recordation of such assignment is not necessary under applicable state law to preserve the Trustee's interest in the related Mortgage Loan against the claim of any subsequent transferee of such Mortgage Loan or any successor to, or creditor of, the Depositor or the originator of such Mortgage Loan or (ii) the recordation of an Assignment of Mortgage in such state is not required by either Rating Agency in order to obtain the initial ratings on the Certificates on the Closing Date. In the case of Mortgage Loans that have been prepaid in full as of the Closing Date, the Depositor, in lieu of delivering the above documents to the Trustee, or the Custodian on the Trustee's behalf, will cause the Servicer to deposit in the Servicer Custodial Account the portion of such payment that is required to be deposited in the Servicer Custodial Account pursuant to Section 3.08. Section 2.02 Acceptance by the Trustee of the Mortgage Loans. Subject to the provisions of the following paragraph, the Trustee declares that it, or the Custodian as its agent, will hold the documents referred to in Section 2.01 and the other documents delivered to it constituting the Mortgage Files, and that it will hold such other assets as are included in the Trust Estate, in trust for the exclusive use and benefit of all present and future Certificateholders. Within 90 days after the execution and delivery of this Agreement, the Trustee shall review, or cause the Custodian to review, the Mortgage Files in its possession. If, in the course of such review, the Trustee or the Custodian finds any document constituting a part of a Mortgage File which does not meet the requirements of Section 2.01 or is omitted from such Mortgage File, the Trustee shall promptly so notify the Servicer and the Depositor, or shall cause the Custodian to promptly so notify the Servicer and the Depositor. In performing any such review, the Trustee or the Custodian may conclusively rely on the purported genuineness of any such document and any signature thereon. It is understood that the scope of the Trustee's or the Custodian's review of the Mortgage Files is limited solely to confirming that the documents listed in Section 2.01 have been received and further confirming that any and all documents delivered pursuant to Section 2.01 appear on their face to have been executed and relate to the Mortgage Loans identified in the Mortgage Loan Schedule. Neither the Trustee nor the Custodian shall have any responsibility for determining whether any document is valid and binding, whether the text of any assignment or endorsement is in proper or recordable form, whether any document has been recorded in accordance with the requirements of any applicable jurisdiction, or whether a blanket assignment is permitted in any applicable jurisdiction. The Depositor hereby covenants and agrees that it will promptly correct or cure such defect within 90 days from the date it was so notified of such defect and, if the Depositor does not correct or cure such defect within such period, the Depositor will either (a) substitute for the related Mortgage Loan a Substitute Mortgage Loan, which substitution shall be accomplished in the manner and subject to the conditions set forth below or (b) purchase such Mortgage Loan from the Trustee at the Repurchase Price for such Mortgage Loan; provided, however, that in no event shall such a substitution occur more than two years from the Closing Date; provided, further, that such substitution or repurchase shall occur within 90 days of when such defect was discovered if such defect will cause the Mortgage Loan not to be a "qualified mortgage" within the meaning of Section 860G(a)(3) of the Code. With respect to each Substitute Mortgage Loan the Depositor shall deliver to the Trustee, for the benefit of the Certificateholders, the Mortgage Note, the Mortgage, the related Assignment of Mortgage (except for any Mortgage which has been recorded in the name of MERS or its designee), and such other documents and agreements as are otherwise required by Section 2.01, with the Mortgage Note endorsed and the Mortgage assigned as required by Section 2.01. No substitution is permitted to be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to any such Substitute Mortgage Loan in the month of substitution shall not be part of the Trust Estate and will be retained by the Depositor. For the month of substitution, distributions to Certificateholders will include the Monthly Payment due for such month on any Defective Mortgage Loan for which the Depositor has substituted a Substitute Mortgage Loan. The Servicer shall amend the Mortgage Loan Schedule for the benefit of the Certificateholders to reflect the removal of each Mortgage Loan that has become a Defective Mortgage Loan and the substitution of the Substitute Mortgage Loan or Loans and the Servicer shall deliver the amended Mortgage Loan Schedule to the Trustee and the Custodian. Upon such substitution, each Substitute Mortgage Loan shall be subject to the terms of this Agreement in all respects, and the Depositor shall be deemed to have made to the Trustee with respect to such Substitute Mortgage Loan, as of the date of substitution, the representations and warranties made pursuant to Section 2.04. Upon any such substitution and the deposit to the Servicer Custodial Account of any required Substitution Adjustment Amount (as described in the next paragraph) and receipt of a Request for Release, the Trustee shall release, or shall direct the Custodian to release, the Mortgage File relating to such Defective Mortgage Loan to the Depositor and shall execute and deliver at the Depositor's direction such instruments of transfer or assignment prepared by the Depositor, in each case without recourse, as shall be necessary to vest title in the Depositor, or its designee, to the Trustee's interest in any Defective Mortgage Loan substituted for pursuant to this Section 2.02. For any month in which the Depositor substitutes one or more Substitute Mortgage Loans for one or more Defective Mortgage Loans, the amount (if any) by which the aggregate principal balance of all such Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Defective Mortgage Loans (after application of the principal portion of the Monthly Payments due in the month of substitution) (the "Substitution Adjustment Amount") plus an amount equal to the aggregate of any unreimbursed Advances with respect to such Defective Mortgage Loans shall be deposited into the Certificate Account by the Depositor on or before the Remittance Date for the Distribution Date in the month succeeding the calendar month during which the related Mortgage Loan is required to be purchased or replaced hereunder. The Trustee shall retain or shall cause the Custodian to retain possession and custody of each Mortgage File in accordance with and subject to the terms and conditions set forth herein. The Servicer shall promptly deliver to the Trustee, upon the execution or, in the case of documents requiring recording, receipt thereof, the originals of such other documents or instruments constituting the Mortgage File as come into the Servicer's possession from time to time. It is understood and agreed that the obligation of the Depositor to substitute for or to purchase any Mortgage Loan which does not meet the requirements of Section 2.01 shall constitute the sole remedy respecting such defect available to the Trustee and any Certificateholder against the Depositor. The Trustee or the Custodian, on behalf of the Trustee, shall be under no duty or obligation (i) to inspect, review or examine any such documents, instruments, certificates or other papers to determine that they are genuine, enforceable, or appropriate for the represented purpose or that they are other than what they purport to be on their face or (ii) to determine whether any Mortgage File should include any of the documents specified in Section 2.01(b)(iv), (vi), (vii) and (viii). Section 2.03 Representations, Warranties and Covenants of the Servicer. The Servicer hereby makes the following representations and warranties to the Depositor and the Trustee, as of the Closing Date: (i) The Servicer is a national banking association duly organized, validly existing, and in good standing under the federal laws of the United States of America and has all licenses necessary to carry on its business as now being conducted and is licensed, qualified and in good standing in each of the states where a Mortgaged Property is located if the laws of such state require licensing or qualification in order to conduct business of the type conducted by the Servicer. The Servicer has power and authority to execute and deliver this Agreement and to perform in accordance herewith; the execution, delivery and performance of this Agreement (including all instruments of transfer to be delivered pursuant to this Agreement) by the Servicer and the consummation of the transactions contemplated hereby have been duly and validly authorized. This Agreement, assuming due authorization, execution and delivery by the other parties hereto, evidences the valid, binding and enforceable obligation of the Servicer, subject to applicable law except as enforceability may be limited by (A) bankruptcy, insolvency, liquidation, receivership, moratorium, reorganization or other similar laws affecting the enforcement of the rights of creditors and (B) general principles of equity, whether enforcement is sought in a proceeding in equity or at law. All requisite corporate action has been taken by the Servicer to make this Agreement valid and binding upon the Servicer in accordance with its terms. (ii) No consent, approval, authorization or order is required for the transactions contemplated by this Agreement from any court, governmental agency or body, or federal or state regulatory authority having jurisdiction over the Servicer is required or, if required, such consent, approval, authorization or order has been or will, prior to the Closing Date, be obtained. (iii) The consummation of the transactions contemplated by this Agreement are in the ordinary course of business of the Servicer and will not result in the breach of any term or provision of the charter or by-laws of the Servicer or result in the breach of any term or provision of, or conflict with or constitute a default under or result in the acceleration of any obligation under, any agreement, indenture or loan or credit agreement or other instrument to which the Servicer or its property is subject, or result in the violation of any law, rule, regulation, order, judgment or decree to which the Servicer or its property is subject. (iv) There is no action, suit, proceeding or investigation pending or, to the best knowledge of the Servicer, threatened against the Servicer which, either individually or in the aggregate, would result in any material adverse change in the business, operations, financial condition, properties or assets of the Servicer, or in any material impairment of the right or ability of the Servicer to carry on its business substantially as now conducted or which would draw into question the validity of this Agreement or the Mortgage Loans or of any action taken or to be taken in connection with the obligations of the Servicer contemplated herein, or which would materially impair the ability of the Servicer to perform under the terms of this Agreement. The representations and warranties made pursuant to this Section 2.03 shall survive delivery of the respective Mortgage Files to the Trustee for the benefit of the Certificateholders. Section 2.04 Representations and Warranties of the Depositor as to the Mortgage Loans. The Depositor hereby represents and warrants to the Trustee with respect to the Mortgage Loans or each Mortgage Loan, as the case may be, as of the date hereof or such other date set forth herein that as of the Closing Date: (i) The information set forth in the Mortgage Loan Schedule is true and correct in all material respects. (ii) There are no delinquent taxes, ground rents, governmental assessments, insurance premiums, leasehold payments, including assessments payable in future installments or other outstanding charges affecting the lien priority of the related Mortgaged Property. (iii) The terms of the Mortgage Note and the Mortgage have not been impaired, waived, altered or modified in any respect, except by written instruments, recorded in the applicable public recording office if necessary to maintain the lien priority of the Mortgage, and which have been delivered to the Trustee; the substance of any such waiver, alteration or modification has been approved by the insurer under the Primary Mortgage Insurance Policy, if any, the title insurer, to the extent required by the related policy, and is reflected on the Mortgage Loan Schedule. No instrument of waiver, alteration or modification has been executed, and no Mortgagor has been released, in whole or in part, except in connection with an assumption agreement approved by the insurer under the Primary Mortgage Insurance Policy, if any, the title insurer, to the extent required by the policy, and which assumption agreement has been delivered to the Trustee. (iv) The Mortgage Note and the Mortgage are not subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury, nor will the operation of any of the terms of the Mortgage Note and the Mortgage, or the exercise of any right thereunder, render either the Mortgage Note or the Mortgage unenforceable, in whole or in part, or subject to any right of rescission, set-off, counterclaim or defense, including the defense of usury and no such right of rescission, set-off, counterclaim or defense has been asserted with respect thereto. (v) All buildings upon the Mortgaged Property are insured by an insurer generally acceptable to prudent mortgage lending institutions against loss by fire, hazards of extended coverage and such other hazards as are customary in the area the Mortgaged Property is located, pursuant to insurance policies conforming to the requirements of Customary Servicing Procedures and this Agreement. All such insurance policies contain a standard mortgagee clause naming the originator of the Mortgage Loan, its successors and assigns as mortgagee and all premiums thereon have been paid. If the Mortgaged Property is in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available), a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect which policy conforms to the requirements of FNMA or FHLMC. The Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor's cost and expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to maintain such insurance at Mortgagor's cost and expense and to seek reimbursement therefor from the Mortgagor. (vi) Any and all requirements of any federal, state or local law including, without limitation, usury, truth in lending, real estate settlement procedures, consumer credit protections, equal credit opportunity or disclosure laws applicable to the origination and servicing of Mortgage Loan have been complied with. (vii) The Mortgage has not been satisfied, canceled, subordinated or rescinded, in whole or in part (other than as to Principal Prepayments in full which may have been received prior to the Closing Date), and the Mortgaged Property has not been released from the lien of the Mortgage, in whole or in part, nor has any instrument been executed that would effect any such satisfaction, cancellation, subordination, rescission or release. (viii) The Mortgage is a valid, existing and enforceable first lien on the Mortgaged Property, including all improvements on the Mortgaged Property subject only to (A) the lien of current real property taxes and assessments not yet due and payable, (B) covenants, conditions and restrictions, rights of way, easements and other matters of the public record as of the date of recording being acceptable to mortgage lending institutions generally and specifically referred to in the lender's title insurance policy delivered to the originator of the Mortgage Loan and which do not adversely affect the Appraised Value of the Mortgaged Property, (C) if the Mortgaged Property consists of Co-op Shares, any lien for amounts due to the cooperative housing corporation for unpaid assessments or charges or any lien of any assignment of rents or maintenance expenses secured by the real property owned by the cooperative housing corporation, and (D) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by the Mortgage or the use, enjoyment, value or marketability of the related Mortgaged Property. Any security agreement, chattel mortgage or equivalent document related to and delivered in connection with the Mortgage Loan establishes and creates a valid, existing and enforceable first lien and first priority security interest on the property described therein and the Depositor has the full right to sell and assign the same to the Trustee. (ix) The Mortgage Note and the related Mortgage are genuine and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms except as enforceability may be limited by (A) bankruptcy, insolvency, liquidation, receivership, moratorium, reorganization or other similar laws affecting the enforcement of the rights of creditors and (B) general principles of equity, whether enforcement is sought in a proceeding in equity or at law. (x) All parties to the Mortgage Note and the Mortgage had legal capacity to enter into the Mortgage Loan and to execute and deliver the Mortgage Note and the Mortgage, and the Mortgage Note and the Mortgage have been duly and properly executed by such parties. (xi) The proceeds of the Mortgage Loan have been fully disbursed to or for the account of the Mortgagor and there is no obligation for the Mortgagee to advance additional funds thereunder and any and all requirements as to completion of any on-site or off-site improvements and as to disbursements of any escrow funds therefor have been complied with. All costs fees and expenses incurred in making or closing the Mortgage Loan and the recording of the Mortgage have been paid, and the Mortgagor is not entitled to any refund of any amounts paid or due to the Mortgagee pursuant to the Mortgage Note or Mortgage. (xii) To the best of the Depositor's knowledge, all parties which have had any interest in the Mortgage Loan, whether as mortgagee, assignee, pledgee or otherwise, are (or, during the period in which they held and disposed of such interest, were) in compliance with any and all applicable "doing business" and licensing requirements of the laws of the state wherein the Mortgaged Property is located. (xiii) The Mortgage Loan is covered by an ALTA lender's title insurance policy, acceptable to FNMA or FHLMC, issued by a title insurer acceptable to FNMA or FHLMC and qualified to do business in the jurisdiction where the Mortgaged Property is located, insuring (subject to the exceptions contained in (viii)(A) and (B) above) the Seller, its successors and assigns as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan. The Depositor is the sole insured of such lender's title insurance policy, and such lender's title insurance policy is in full force and effect and will be in full force and effect upon the consummation of the transactions contemplated by this Agreement. No claims have been made under such lender's title insurance policy, and the Depositor has not done, by act or omission, anything which would impair the coverage of such lender's title insurance policy. (xiv) There is no default, breach, violation or event of acceleration existing under the Mortgage or the Mortgage Note and no event which, with the passage of time or with notice and the expiration of any grace or cure period, would constitute a default, breach, violation or event of acceleration, and the Seller has not waived any default, breach, violation or event of acceleration. (xv) As of the date of origination of the Mortgage Loan, there had been no mechanics' or similar liens or claims filed for work, labor or material (and no rights are outstanding that under law could give rise to such lien) affecting the relating Mortgaged Property which are or may be liens prior to, or equal or coordinate with, the lien of the related Mortgage. (xvi) All improvements which were considered in determining the Appraised Value of the related Mortgaged Property lay wholly within the boundaries and building restriction lines of the Mortgaged Property, and no improvements on adjoining properties encroach upon the Mortgaged Property. (xvii) The Mortgage Loan was originated by a commercial bank or similar banking institution which is supervised and examined by a federal or state authority, or by a mortgagee approved by the Secretary of HUD. (xviii) Principal payments on the Mortgage Loan commenced no more than sixty days after the proceeds of the Mortgaged Loan were disbursed. The Mortgage Loans are 20 to 30-year adjustable rate mortgage loans having an original term to maturity of not more than 30 years, with interest payable in arrears on the first day of the month. Each Mortgage Note requires a monthly payment which is sufficient to fully amortize the original principal balance over the original term thereof and to pay interest at the related Mortgage Interest Rate. The Mortgage Note does not permit negative amortization. (xix) There is no proceeding pending or, to the Depositor's knowledge, threatened for the total or partial condemnation of the Mortgaged Property and such property is in good repair and is undamaged by waste, fire, earthquake or earth movement, windstorm, flood, tornado or other casualty, so as to affect adversely the value of the Mortgaged Property as security for the Mortgage Loan or the use for which the premises were intended. (xx) The Mortgage and related Mortgage Note contain customary and enforceable provisions such as to render the rights and remedies of the holder thereof adequate for the realization against the Mortgaged Property of the benefits of the security provided thereby, including (A) in the case of a Mortgage designated as a deed of trust, by trustee's sale, and (B) otherwise by judicial foreclosure. To the best of the Depositor's knowledge, following the date of origination of the Mortgage Loan, the Mortgaged Property has not been subject to any bankruptcy proceeding or foreclosure proceeding and the Mortgagor has not filed for protection under applicable bankruptcy laws. There is no homestead or other exemption or right available to the Mortgagor or any other person which would interfere with the right to sell the Mortgaged Property at a trustee's sale or the right to foreclose the Mortgage. (xxi) The Mortgage Note and Mortgage are on forms acceptable to FNMA or FHLMC. (xxii) The Mortgage Note is not and has not been secured by any collateral except the lien of the corresponding Mortgage on the Mortgaged Property and the security interest of any applicable security agreement or chattel mortgage referred to in (viii) above. (xxiii) The Mortgage File contains an appraisal of the related Mortgaged Property, in a form acceptable to FNMA or FHLMC and such appraisal complies with the requirements of FIRREA, and was made and signed, prior to the approval of the Mortgage Loan application, by a Qualified Appraiser. (xxiv) In the event the Mortgage constitutes a deed of trust, a trustee, duly qualified under applicable law to serve as such, has been properly designated and currently so serves, and no fees or expenses are or will become payable by the Trustee to the trustee under the deed of trust, except in connection with a trustee's sale after default by the Mortgagor. (xxv) No Mortgage Loan is a graduated payment mortgage loan, no Mortgage Loan has a shared appreciation or other contingent interest feature, and no Mortgage Loan contains any "buydown" provision. (xxvi) The Mortgagor has received all disclosure materials required by applicable law with respect to the making of mortgage loans of the same type as the Mortgage Loan and rescission materials required by applicable law if the Mortgage Loan is a Refinance Mortgage Loan. (xxvii) Each Mortgage Loan with a Loan-to-Value Ratio at origination in excess of 80% will be subject to a Primary Mortgage Insurance Policy, issued by an insurer acceptable to FNMA or FHLMC, which insures that portion of the Mortgage Loan in excess of the portion of the Appraised Value of the Mortgaged Property required by FNMA. All provisions of such Primary Mortgage Insurance Policy have been and are being complied with, such policy is in full force and effect, and all premiums due thereunder have been paid. Any Mortgage subject to any such Primary Mortgage Insurance Policy obligates the Mortgagor thereunder to maintain such insurance and to pay all premiums and charges in connection therewith at least until Loan-to-Value Ratio of such Mortgage Loan is reduced to less than 80%. The Mortgage Interest Rate for the Mortgage Loan does not include any such insurance premium. (xxviii) To the best of the Depositor's knowledge as of the date of origination of the Mortgage Loan, (A) the Mortgaged Property is lawfully occupied under applicable law, (B) all inspections, licenses and certificates required to be made or issued with respect to all occupied portions of the Mortgaged Property and, with respect to the use and occupancy of the same, including but not limited to certificates of occupancy, have been made or obtained from the appropriate authorities and (C) no improvement located on or part of the Mortgaged Property is in violation of any zoning law or regulation. (xxix) The Assignment of Mortgage (except with respect to any Mortgage that has been recorded in the name of MERS or its designee) is in recordable form and is acceptable for recording under the laws of the jurisdiction in which the Mortgaged Property is located. (xxx) All payments required to be made prior to the Cut-Off Date for such Mortgage Loan under the terms of the Mortgage Note have been made and no Mortgage Loan has been more than 30 days delinquent more than once in the twelve month period immediately prior to the Cut-Off Date. (xxxi) With respect to each Mortgage Loan, the Depositor or Servicer is in possession of a complete Mortgage File except for the documents which have been delivered to the Trustee or which have been submitted for recording and not yet returned. (xxxii) Immediately prior to the transfer and assignment contemplated herein, the Depositor was the sole owner and holder of the Mortgage Loans. The Mortgage Loans were not assigned or pledged by the Depositor and the Depositor had good and marketable title thereto, and the Depositor had full right to transfer and sell the Mortgage Loans to the Trustee free and clear of any encumbrance, participation interest, lien, equity, pledge, claim or security interest and had full right and authority subject to no interest or participation in, or agreement with any other party to sell or otherwise transfer the Mortgage Loans. (xxxiii) Any future advances made prior to the Cut-Off Date have been consolidated with the outstanding principal amount secured by the Mortgage, and the secured principal amount, as consolidated, bears a single interest rate and single repayment term. The lien of the Mortgage securing the consolidated principal amount is expressly insured as having first lien priority by a title insurance policy, an endorsement to the policy insuring the mortgagee's consolidated interest or by other title evidence acceptable to FNMA and FHLMC. The consolidated principal amount does not exceed the original principal amount of the Mortgage Loan. (xxxiv) The Mortgage Loan was underwritten in accordance with the applicable Underwriting Guidelines in effect at the time of origination with exceptions thereto exercised in a reasonable manner. (xxxv) If the Mortgage Loan is secured by a long-term residential lease, (1) the lessor under the lease holds a fee simple interest in the land; (2) the terms of such lease expressly permit the mortgaging of the leasehold estate, the assignment of the lease without the lessor's consent and the acquisition by the holder of the Mortgage of the rights of the lessee upon foreclosure or assignment in lieu of foreclosure or provide the holder of the Mortgage with substantially similar protections; (3) the terms of such lease do not (a) allow the termination thereof upon the lessee's default without the holder of the Mortgage being entitled to receive written notice of, and opportunity to cure, such default, (b) allow the termination of the lease in the event of damage or destruction as long as the Mortgage is in existence, (c) prohibit the holder of the Mortgage from being insured (or receiving proceeds of insurance) under the hazard insurance policy or policies relating to the Mortgaged Property or (d) permit any increase in the rent other than pre-established increases set forth in the lease; (4) the original term of such lease in not less than 15 years; (5) the term of such lease does not terminate earlier than five years after the maturity date of the Mortgage Note; and (6) the Mortgaged Property is located in a jurisdiction in which the use of leasehold estates in transferring ownership in residential properties is a widely accepted practice. (xxxvi) The Mortgaged Property is located in the state identified in the Mortgage Loan Schedule and consists of a parcel of real property with a detached single family residence erected thereon, or a two- to four-family dwelling, or an individual condominium unit, or an individual unit in a planned unit development, or, in the case of Mortgage Loans secured by Co-op Shares, leases or occupancy agreements; provided, however, that any condominium project or planned unit development generally conforms with the applicable Underwriting Guidelines regarding such dwellings, and no residence or dwelling is a mobile home or a manufactured dwelling. (xxxvii) The Depositor used no adverse selection procedures in selecting the Mortgage Loan for inclusion in the Trust Estate. (xxxviii) Each Mortgage Loan is a "qualified mortgage" within Section 860G(a)(3) of the Code. (xxxix) With respect to each Mortgage where a lost note affidavit has been delivered to the Trustee in place of the related Mortgage Note, the related Mortgage Note is no longer in existence. Notwithstanding the foregoing, no representations or warranties are made by the Depositor as to the environmental condition of any Mortgaged Property; the absence, presence or effect of hazardous wastes or hazardous substances on any Mortgaged Property; any casualty resulting from the presence or effect of hazardous wastes or hazardous substances on, near or emanating from any Mortgaged Property; the impact on Certificateholders of any environmental condition or presence of any hazardous substance on or near any Mortgaged Property; or the compliance of any Mortgaged Property with any environmental laws, nor is any agent, Person or entity otherwise affiliated with the Depositor authorized or able to make any such representation, warranty or assumption of liability relative to any Mortgaged Property. In addition, no representations or warranties are made by the Depositor with respect to the absence or effect of fraud in the origination of any Mortgage Loan. It is understood and agreed that the representations and warranties set forth in this Section 2.04 shall survive delivery of the respective Mortgage Files to the Trustee or the Custodian and shall inure to the benefit of the Trustee, notwithstanding any restrictive or qualified endorsement or assignment. Upon discovery by either the Depositor, the Servicer, the Trustee or the Custodian that any of the representations and warranties set forth in this Section 2.04 is not accurate (referred to herein as a "breach") and that such breach materially and adversely affects the interests of the Certificateholders in the related Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided that any such breach that causes the Mortgage Loan not to be a "qualified mortgage" within the meaning of Section 860G(a)(3) of the Code shall be deemed to materially and adversely affect the interests of the Certificateholders. Within 90 days of its discovery or its receipt of notice of any such breach, the Depositor shall cure such breach in all material respects or shall either (i) repurchase the Mortgage Loan or any property acquired in respect thereof from the Trustee at a price equal to the Repurchase Price or (ii) if within two years of the Closing Date, substitute for such Mortgage Loan in the manner described in Section 2.02; 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 repurchase or substitution must occur within 90 days from the date the breach was discovered. The Repurchase Price of any repurchase described in this paragraph and the Substitution Adjustment Amount, if any, shall be deposited in the Certificate Account. It is understood and agreed that the obligation of the Depositor to repurchase or substitute for any Mortgage Loan or Mortgaged Property as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to Certificateholders, or to the Trustee on behalf of Certificateholders, and such obligation shall survive until termination of the Trust hereunder. Section 2.05 Designation of Interests in the REMICs. The Depositor hereby designates the Classes of Class A Certificates (other than the Class A-R and Class A-LR Certificates) and the Classes of Class B Certificates as classes of "regular interests" and the Class A-R Certificate as the single class of "residual interest" in the Upper-Tier REMIC for the purposes of Code Sections 860G(a)(1) and 860G(a)(2), respectively. The Depositor hereby further designates the Class A-L1 Interest, Class A-L2 Interest, Class A-L3 Interest, Class A-L4 Interest, Class A-L5 Interest, Class A-LUR Interest, Class B-L1 Interest, Class B-L2 Interest, Class B-L3 Interest, Class B-L4 Interest, Class B-L5 Interest and Class B-L6 Interest as classes of "regular interests" and the Class A-LR Certificate as the single class of "residual interest" in the Lower-Tier REMIC for the purposes of Code Sections 860G(a)(1) and 860G(a)(2), respectively. Section 2.06 Designation of Start-up Day. The Closing Date is hereby designated as the "start-up day" of each of the Upper-Tier REMIC and Lower-Tier REMIC within the meaning of Section 860G(a)(9) of the Code. Section 2.07 REMIC Certificate Maturity Date. Solely for purposes of satisfying Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest possible maturity date" of the regular interests in the Upper-Tier REMIC and Lower-Tier REMIC is September 25, 2031. Section 2.08 Execution and Delivery of Certificates. The Trustee (i) acknowledges the issuance of and hereby declares that it holds the Uncertificated Lower-Tier Interests on behalf of the Upper-Tier REMIC and the Certificateholders and (ii) has executed and delivered to or upon the order of the Depositor, in exchange for the Mortgage Loans and Uncertificated Lower-Tier Interests together with all other assets included in the definition of "Trust Estate," receipt of which is hereby acknowledged, Certificates in authorized denominations which, together with the Uncertificated Lower-Tier Interests, evidence ownership of the entire Trust Estate. Section 2.09 Repurchase of Converted Mortgage Loans. The Depositor shall repurchase from the Trust any Converted Mortgage Loan prior to the first Due Date for such Mortgage Loan following the Conversion Date. Any such repurchase shall be at the Repurchase Price. The Repurchase Price for any repurchased Converted Mortgage Loan shall be deposited by the Depositor in the Certificate Account and, upon receipt by the Trustee of written notification of any such deposit signed by an officer of the Depositor, the Trustee shall release to the Depositor the related Mortgage File and shall execute and deliver such instruments of transfer or assignment prepared by the Depositor, in each case without recourse, as shall be necessary to vest in the Depositor legal and beneficial ownership of such Converted Mortgage Loan. ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01 Servicer to Service Mortgage Loans. For and on behalf of the Certificateholders, the Servicer shall service and administer the Mortgage Loans, all in accordance with the terms of this Agreement, Customary Servicing Procedures, applicable law and the terms of the Mortgage Notes and Mortgages. In connection with such servicing and administration, the Servicer shall have full power and authority, acting alone and/or through Subservicers as provided in Section 3.02, to do or cause to be done any and all things that it may deem necessary or desirable in connection with such servicing and administration including, but not limited to, the power and authority, subject to the terms hereof, (a) to execute and deliver, on behalf of the Certificateholders and the Trustee, customary consents or waivers and other instruments and documents, (b) to consent, with respect to the Mortgage Loans it services, to transfers of any Mortgaged Property and assumptions of the Mortgage Notes and related Mortgages (but only in the manner provided in this Agreement), (c) to collect any Insurance Proceeds and other Liquidation Proceeds relating to the Mortgage Loans it services, and (d) to effectuate foreclosure or other conversion of the ownership of the Mortgaged Property securing any Mortgage Loan it services. The Servicer shall represent and protect the interests of the Trust in the same manner as it protects its own interests in mortgage loans in its own portfolio in any claim, proceeding or litigation regarding a Mortgage Loan and shall not make or permit any modification, waiver or amendment of any term of any Mortgage Loan, except as provided pursuant to Section 3.21. Without limiting the generality of the foregoing, the Servicer, in its own name or in the name of any Subservicer or the Depositor and the Trustee, is hereby authorized and empowered by the Depositor and the Trustee, when the Servicer or any Subservicer, as the case may be, believes it appropriate in its reasonable judgment, to execute and deliver, on behalf of the Trustee, the Depositor, the Certificateholders or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, and all other comparable instruments, with respect to the Mortgage Loans it services, and with respect to the related Mortgaged Properties held for the benefit of the Certificateholders. The Servicer shall prepare and deliver to the Depositor and/or the Trustee such documents requiring execution and delivery by either or both of them as are necessary or appropriate to enable the Servicer to service and administer the Mortgage Loans it services to the extent that the Servicer is not permitted to execute and deliver such documents pursuant to the preceding sentence. Upon receipt of such documents, the Depositor and/or the Trustee, upon the direction of the Servicer, shall promptly execute such documents and deliver them to the Servicer. In accordance with the standards of the preceding paragraph, the Servicer shall advance or cause to be advanced funds as necessary for the purpose of effecting the payment of taxes and assessments on the Mortgaged Properties relating to the Mortgage Loans it services, which Servicing Advances shall be reimbursable in the first instance from related collections from the Mortgagors pursuant to Section 3.09, and further as provided in Section 3.11. The costs incurred by the Servicer, if any, in effecting the timely payments of taxes and assessments on the Mortgaged Properties and related insurance premiums shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the Stated Principal Balances of the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loans so permit. The relationship of the Servicer (and of any successor to the Servicer as servicer under this Agreement) to the Trustee under this Agreement is intended by the parties to be that of an independent contractor and not that of a joint venturer, partner or agent. Section 3.02 Subservicing; Enforcement of the Obligations of Servicer. (a) The Servicer may arrange for the subservicing of any Mortgage Loan it services by a Subservicer pursuant to a Subservicing Agreement; provided, however, that such subservicing arrangement and the terms of the related Subservicing Agreement must provide for the servicing of such Mortgage Loan in a manner consistent with the servicing arrangements contemplated hereunder. Notwithstanding the provisions of any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Servicer and a Subservicer or reference to actions taken through a Subservicer or otherwise, the Servicer shall remain obligated and liable to the Depositor, the Trustee and the Certificateholders for the servicing and administration of the Mortgage Loans it services in accordance with the provisions of this Agreement without diminution of such obligation or liability by virtue of such Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer and to the same extent and under the same terms and conditions as if the Servicer alone were servicing and administering those Mortgage Loans. All actions of each Subservicer performed pursuant to the related Subservicing Agreement shall be performed as agent of the Servicer with the same force and effect as if performed directly by the Servicer. (b) For purposes of this Agreement, the Servicer shall be deemed to have received any collections, recoveries or payments with respect to the Mortgage Loans it services that are received by a Subservicer regardless of whether such payments are remitted by the Subservicer to the Servicer. (c) As part of its servicing activities hereunder, the Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best reasonable efforts to enforce the obligations of each Subservicer engaged by the Servicer 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. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements and the pursuit of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Servicer, in its good faith business judgment, would require were it the owner of the related Mortgage Loans. The Servicer shall pay the costs of such enforcement at its own expense, and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement to the extent, if any, that such recovery exceeds all amounts due in respect of the related Mortgage Loan or (ii) from a specific recovery of costs, expenses or attorneys fees against the party against whom such enforcement is directed. (d) Any Subservicing Agreement entered into by the Servicer shall provide that it may be assumed or terminated by the Trustee, if the Trustee has assumed the duties of the Servicer, or any successor Servicer, at the Trustee's or successor Servicer's option, as applicable, without cost or obligation to the assuming or terminating party or the Trust Estate, upon the assumption by such party of the obligations of the Servicer pursuant to Section 8.05. Any Subservicing Agreement, and any other transactions or services relating to the Mortgage Loans involving a Subservicer, shall be deemed to be between the Servicer and such Subservicer alone, and the Trustee and the Certificateholders shall not be deemed parties thereto and shall have no claims or rights of action against, rights, obligations, duties or liabilities to or with respect to the Subservicer or its officers, directors or employees, except as set forth in Section 3.01. Section 3.03 Fidelity Bond; Errors and Omissions Insurance. The Servicer shall maintain, at its own expense, a blanket fidelity bond and an errors and omissions insurance policy, with broad coverage on all officers, employees or other persons acting in any capacity requiring such persons to handle funds, money, documents or papers relating to the Mortgage Loans it services. These policies must insure the Servicer against losses resulting from dishonest or fraudulent acts committed by the Servicer's personnel, any employees of outside firms that provide data processing services for the Servicer, and temporary contract employees or student interns. Such fidelity bond shall also protect and insure the Servicer against losses in connection with the release or satisfaction of a Mortgage Loan without having obtained payment in full of the indebtedness secured thereby. No provision of this Section 3.03 requiring such fidelity bond and errors and omissions insurance shall diminish or relieve the Servicer from its duties and obligations as set forth in this Agreement. The minimum coverage under any such bond and insurance policy shall be at least equal to the corresponding amounts required by FNMA in the FNMA Servicing Guide or by FHLMC in the FHLMC Sellers' & Servicers' Guide, as amended or restated from time to time, or in an amount as may be permitted to the Servicer by express waiver of FNMA or FHLMC. Section 3.04 Access to Certain Documentation. The Servicer shall provide to the OTS and the FDIC and to comparable regulatory authorities supervising Holders of Subordinate Certificates and the examiners and supervisory agents of the OTS, the FDIC and such other authorities, access to the documentation required by applicable regulations of the OTS and the FDIC with respect to the Mortgage Loans. Such access shall be afforded without charge, but only upon reasonable and prior written request and during normal business hours at the offices designated by the Servicer. Nothing in this Section 3.04 shall limit the obligation of the Servicer to observe any applicable law and the failure of the Servicer to provide access as provided in this Section 3.04 as a result of such obligation shall not constitute a breach of this Section 3.04. Section 3.05 Maintenance of Primary Mortgage Insurance Policy; Claims. With respect to each Mortgage Loan with a Loan-to-Value Ratio in excess of 80% or such other Loan-to-Value Ratio as may be required by law, the Servicer responsible for servicing such Mortgage Loan shall, without any cost to the Trust Estate, maintain or cause the Mortgagor to maintain in full force and effect a Primary Mortgage Insurance Policy insuring that portion of the Mortgage Loan in excess of a percentage in conformity with FNMA requirements. The Servicer shall pay or shall cause the Mortgagor to pay the premium thereon on a timely basis, at least until the Loan-to-Value Ratio of such Mortgage Loan is reduced to 80% or such other Loan-to-Value Ratio as may be required by law. If such Primary Mortgage Insurance Policy is terminated, the Servicer shall obtain from another insurer a comparable replacement policy, with a total coverage equal to the remaining coverage of such terminated Primary Mortgage Insurance Policy. If the insurer shall cease to be an insurer acceptable to FNMA, the Servicer shall notify the Trustee in writing, it being understood that the Servicer shall not have any responsibility or liability for any failure to recover under the Primary Mortgage Insurance Policy for such reason. If the Servicer determines that recoveries under the Primary Mortgage Insurance Policy are jeopardized by the financial condition of the insurer, the Servicer shall obtain from another insurer which meets the requirements of this Section 3.05 a replacement insurance policy. The Servicer shall not take any action that would result in noncoverage under any applicable Primary Mortgage Insurance Policy of any loss that, but for the actions of the Servicer, would have been covered thereunder. In connection with any assumption or substitution agreement entered into or to be entered into pursuant to Section 3.13, the Servicer shall promptly notify the insurer under the related Primary Mortgage Insurance Policy, if any, of such assumption or substitution of liability in accordance with the terms of such Primary Mortgage Insurance Policy and shall take all actions which may be required by such insurer as a condition to the continuation of coverage under such Primary Mortgage Insurance Policy. If such Primary Mortgage Insurance Policy is terminated as a result of such assumption or substitution of liability, the Servicer shall obtain a replacement Primary Mortgage Insurance Policy as provided above. In connection with its activities as servicer, the Servicer agrees to prepare and present, on behalf of itself, the Trustee and the Certificateholders, claims to the insurer under any Primary Mortgage Insurance Policy in a timely fashion in accordance with the terms of such Primary Mortgage Insurance Policy and, in this regard, to take such action as shall be necessary to permit recovery under any Primary Mortgage Insurance Policy respecting a defaulted Mortgage Loan. Pursuant to Section 3.09(a), any amounts collected by the Servicer under any Primary Mortgage Insurance Policy shall be deposited in the related Escrow Account, subject to withdrawal pursuant to Section 3.09(b). The Servicer will comply with all provisions of applicable state and federal law relating to the cancellation of, or collection of premiums with respect to, Primary Mortgage Insurance, including, but not limited to, the provisions of the Homeowners Protection Act of 1998, and all regulations promulgated thereunder, as amended from time to time. Section 3.06 Rights of the Depositor and the Trustee in Respect of the Servicer. The Depositor may, but is not obligated to, enforce the obligations of the Servicer hereunder and may, but is not obligated to, perform, or cause a designee to perform, any defaulted obligation of the Servicer hereunder and in connection with any such defaulted obligation to exercise the related rights of the Servicer hereunder; provided that the Servicer shall not be relieved of any of its obligations hereunder by virtue of such performance by the Depositor or its designee. Neither the Trustee nor the Depositor shall have any responsibility or liability for any action or failure to act by the Servicer nor shall the Trustee or the Depositor be obligated to supervise the performance of the Servicer hereunder or otherwise. Any Subservicing Agreement that may be entered into and any transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such shall be deemed to be between the Subservicer and the 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 except as set forth in Section 3.07. The Servicer shall be solely liable for all fees owed by it to any Subservicer, irrespective of whether the Servicer's compensation pursuant to this Agreement is sufficient to pay such fees. Section 3.07 Trustee to Act as Servicer. If the Servicer shall for any reason no longer be the Servicer hereunder (including by reason of an Event of Default), the Trustee shall thereupon assume, if it so elects, or shall appoint a successor Servicer to assume, all of the rights and obligations of the Servicer hereunder arising thereafter (except that the Trustee shall not be (a) liable for losses of the Servicer pursuant to Section 3.12 or any acts or omissions of the predecessor Servicer hereunder, (b) obligated to make Advances if it is prohibited from doing so by applicable law or (c) deemed to have made any representations and warranties of the Servicer hereunder). Any such assumption shall be subject to Section 7.02. If the Servicer shall for any reason no longer be the Servicer (including by reason of any Event of Default), the Trustee or the successor Servicer may elect to succeed to any rights and obligations of the Servicer under each Subservicing Agreement or may terminate each Subservicing Agreement. If it has elected to assume the Subservicing Agreement, the Trustee or the successor Servicer shall be deemed to have assumed all of the Servicer's interest therein and to have replaced the Servicer as a party to any Subservicing Agreement entered into by the Servicer as contemplated by Section 3.02 to the same extent as if the Subservicing Agreement had been assigned to the assuming party except that the Servicer shall not be relieved of any liability or obligations under any such Subservicing Agreement. The Servicer that is no longer the Servicer hereunder shall, upon request of the Trustee, but at the expense of the Servicer, deliver to the assuming party all documents and records relating to each Subservicing Agreement or substitute servicing agreement and the Mortgage Loans then being serviced thereunder and an accounting of amounts collected or held by it and otherwise use its best efforts to effect the orderly and efficient transfer of such substitute Subservicing Agreement to the assuming party. Section 3.08 Collection of Mortgage Loan Payments; Servicer Custodial Account; Certificate Account; and Upper-Tier Certificate Account. (a) Continuously from the date hereof until the principal and interest on all Mortgage Loans are paid in full, the Servicer will proceed diligently, in accordance with this Agreement, to collect all payments due under each of the Mortgage Loans it services when the same shall become due and payable. Further, the Servicer will in accordance with all applicable law and Customary Servicing Procedures ascertain and estimate taxes, assessments, fire and hazard insurance premiums, mortgage insurance premiums and all other charges with respect to the Mortgage Loans it services that, as provided in any Mortgage, will become due and payable to the end that the installments payable by the Mortgagors will be sufficient to pay such charges as and when they become due and payable. Consistent with the foregoing, the 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 it services and (ii) extend the due dates for payments due on a Mortgage Note for a period not greater than 120 days; provided, however, that the Servicer cannot extend the maturity of any such Mortgage Loan past the date on which the final payment is due on the latest maturing Mortgage Loan as of the Cut-Off Date. In the event of any such arrangement, the Servicer shall make Periodic Advances on the related Mortgage Loan in accordance with the provisions of Section 3.20 during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements. The Servicer shall not be required to institute or join in litigation with respect to collection of any payment (whether under a Mortgage, Mortgage Note or otherwise or against any public or governmental authority with respect to a taking or condemnation) if it reasonably believes that enforcing the provision of the Mortgage or other instrument pursuant to which such payment is required is prohibited by applicable law. (b) The Servicer shall establish and maintain the Servicer Custodial Account. The Servicer shall deposit or cause to be deposited into the Servicer Custodial Account, all on a daily basis within one Business Day of receipt, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by the Servicer in respect of the Mortgage Loans subsequent to the Cut-Off Date (other than in respect of principal and interest due on the Mortgage Loans on or before the Cut-Off Date) and the following amounts required to be deposited hereunder with respect to the Mortgage Loans it services: (i) all payments on account of principal of the Mortgage Loans, including Principal Prepayments; (ii) all payments on account of interest on the Mortgage Loans, net of the Servicing Fee; (iii) (A) all Insurance Proceeds and Liquidation Proceeds, other than Insurance Proceeds to be (1) applied to the restoration or repair of the Mortgaged Property, (2) released to the Mortgagor in accordance with Customary Servicing Procedures or (3) required to be deposited to an Escrow Account pursuant to Section 3.09(a) and (B) any Insurance Proceeds released from an Escrow Account pursuant to Section 3.09(b)(iv); (iv) any amount required to be deposited by the Servicer pursuant to Section 3.08(d) in connection with any losses on Permitted Investments with respect to the Servicer Custodial Account; (v) any amounts required to be deposited by the Servicer pursuant to Section 3.14; (vi) all Repurchase Prices and all Substitution Adjustment Amounts received by the Servicer; (vii) Periodic Advances made by the Servicer pursuant to Section 3.20 and any payments of Compensating Interest; and (viii) any other amounts required to be deposited hereunder. The foregoing requirements for deposits to the Servicer Custodial Account by the Servicer shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments in the nature of prepayment penalties, late payment charges or assumption fees, if collected, need not be deposited by the Servicer. If the Servicer shall deposit in the Servicer Custodial Account any amount not required to be deposited, it may at any time withdraw or direct the institution maintaining the Servicer Custodial Account to withdraw such amount from the Servicer Custodial Account, any provision herein to the contrary notwithstanding. The Servicer 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 Servicer or serviced by the Servicer on behalf of others. Notwithstanding such commingling of funds, the Servicer shall keep records that accurately reflect the funds on deposit in the Servicer Custodial Account that have been identified by it as being attributable to the Mortgage Loans it services. The Servicer shall maintain adequate records with respect to all withdrawals made pursuant to this Section 3.08. All funds required to be deposited in the Servicer Custodial Account shall be held in trust for the Certificateholders until withdrawn in accordance with Section 3.11. (c) The Trustee shall establish and maintain, on behalf of the Certificateholders, the Certificate Account. The Trustee shall, promptly upon receipt, deposit in the Certificate Account and retain therein the following: (i) the aggregate amount remitted by the Servicer to the Trustee pursuant to Section 3.11(a)(viii); (ii) any amount paid by the Trustee pursuant to Section 3.08(d) in connection with any losses on Permitted Investments with respect to the Certificate Account; and (iii) any other amounts deposited hereunder which are required to be deposited in the Certificate Account. If the Servicer shall remit any amount not required to be remitted, it may at any time direct the Trustee to withdraw such amount from the Certificate Account, any provision herein to the contrary notwithstanding. Such direction may be accomplished by delivering an Officer's Certificate to the Trustee which describes the amounts deposited in error in the Certificate Account. All funds required to be deposited in the Certificate Account shall be held by the Trustee in trust for the Certificateholders until disbursed in accordance with this Agreement or withdrawn in accordance with Section 3.11. In no event shall the Trustee incur liability for withdrawals from the Certificate Account at the direction of a the Servicer. (d) Each institution at which the Servicer Custodial Account or the Certificate Account is maintained shall invest the funds therein as directed in writing by the Servicer in Permitted Investments, which shall mature not later than (i) in the case of the Servicer Custodial Account, the Business Day next preceding the related Remittance Date (except that if such Permitted Investment is an obligation of the institution that maintains such account, then such Permitted Investment shall mature not later than such Remittance Date) and (ii) in the case of the Certificate Account, the Business Day next preceding the Distribution Date (except that if such Permitted Investment is an obligation of the institution that maintains such account, then such Permitted Investment shall mature not later than such Distribution Date) and, in each case, shall not be sold or disposed of prior to its maturity. All such Permitted Investments shall be made in the name of the Trustee, for the benefit of the Certificateholders. All income or gain (net of any losses) realized from any such investment of funds on deposit in the Servicer Custodial Account shall be for the benefit of the Servicer as servicing compensation and shall be retained by it monthly as provided herein. All income or gain (net of any losses) realized from any such investment of funds on deposit in the Certificate Account shall be for the benefit of the Trustee as additional compensation and shall be retained by it monthly as provided herein. The amount of any losses realized in the Servicer Custodial Account or the Certificate Account incurred in any such account in respect of any such investments shall promptly be deposited by the Servicer in the Servicer Custodial Account or by the Trustee in the Certificate Account, as applicable. (e) The Servicer shall give notice to the Trustee of any proposed change of the location of the Servicer Custodial Account maintained by the Servicer not later than 30 days and not more than 45 days prior to any change thereof. The Trustee shall give notice to the Servicer, each Rating Agency and the Depositor of any proposed change of the location of the Certificate Account not later than 30 days and not more than 45 days prior to any change thereof. The creation of the Servicer Custodial Account shall be evidenced by a certification substantially in the form of Exhibit F hereto. A copy of such certification shall be furnished to the Trustee. (f) The Trustee shall establish and maintain the Upper-Tier Certificate Account. On each Distribution Date (other than the Final Distribution Date, if such Final Distribution Date is in connection with a purchase of the assets of the Trust Estate by the Depositor), the Trustee shall, from funds available on deposit in the Certificate Account, deposit, in immediately available funds, by wire transfer or otherwise, into the Upper-Tier Certificate Account, the Lower-Tier Distribution Amount. Section 3.09 Collection of Taxes, Assessments and Similar Items; Escrow Accounts. (a) To the extent required by the related Mortgage Note and not violative of current law, the Servicer shall segregate and hold all funds collected and received pursuant to each Mortgage Loan which constitute Escrow Payments in trust separate and apart from any of its own funds and general assets and for such purpose shall establish and maintain one or more escrow accounts (collectively, the "Escrow Account"), titled "[Insert name of Servicer], in trust for registered holders of Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-E and various Mortgagors." The Escrow Account shall be established with a commercial bank, a savings bank or a savings and loan association that meets the guidelines set forth by FNMA or FHLMC as an eligible institution for escrow accounts and which is a member of the Automated Clearing House. In any case, the Escrow Account shall be insured by the FDIC to the fullest extent permitted by law. The Servicer shall deposit in the appropriate Escrow Account on a daily basis, and retain therein: (i) all Escrow Payments collected on account of the Mortgage Loans, (ii) all amounts representing proceeds of any hazard insurance policy which are to be applied to the restoration or repair of any related Mortgaged Property and (iii) all amounts representing proceeds of any Primary Mortgage Insurance Policy. Nothing herein shall require the Servicer to compel a Mortgagor to establish an Escrow Account in violation of applicable law. (b) Withdrawals of amounts so collected from the Escrow Accounts may be made by the Servicer only (i) to effect timely payment of taxes, assessments, mortgage insurance premiums, fire and hazard insurance premiums, condominium or PUD association dues, or comparable items constituting Escrow Payments for the related Mortgage, (ii) to reimburse the Servicer out of related Escrow Payments made with respect to a Mortgage Loan for any Servicing Advance made by the Servicer pursuant to Section 3.09(c) with respect to such Mortgage Loan, (iii) to refund to any Mortgagor any sums determined to be overages, (iv) for transfer to the Servicer Custodial Account upon default of a Mortgagor or in accordance with the terms of the related Mortgage Loan and if permitted by applicable law, (v) for application to restore or repair the Mortgaged Property, (vi) to pay to the Mortgagor, to the extent required by law, any interest paid on the funds deposited in the Escrow Account, (vii) to pay to itself any interest earned on funds deposited in the Escrow Account (and not required to be paid to the Mortgagor), (viii) to the extent permitted under the terms of the related Mortgage Note and applicable law, to pay late fees with respect to any Monthly Payment which is received after the applicable grace period, (ix) to withdraw suspense payments that are deposited into the Escrow Account, (x) to withdraw any amounts inadvertently deposited in the Escrow Account or (xi) to clear and terminate the Escrow Account upon the termination of this Agreement in accordance with Section 10.01. Any Escrow Account shall not be a part of the Trust Estate. (c) With respect to each Mortgage Loan, the Servicer shall maintain accurate records reflecting the status of taxes, assessments and other charges which are or may become a lien upon the Mortgaged Property and the status of Primary Mortgage Insurance Policy premiums and fire and hazard insurance coverage. The Servicer shall obtain, from time to time, all bills for the payment of such charges (including renewal premiums) and shall effect payment thereof prior to the applicable penalty or termination date and at a time appropriate for securing maximum discounts allowable, employing for such purpose deposits of the Mortgagor in the Escrow Account, if any, which shall have been estimated and accumulated by the Servicer in amounts sufficient for such purposes, as allowed under the terms of the Mortgage. To the extent that a Mortgage does not provide for Escrow Payments, the Servicer shall determine that any such payments are made by the Mortgagor. The Servicer assumes full responsibility for the timely payment of all such bills and shall effect timely payments of all such bills irrespective of each Mortgagor's faithful performance in the payment of same or the making of the Escrow Payments. The Servicer shall advance any such payments that are not timely paid, but the Servicer shall be required so to advance only to the extent that such Servicing Advances, in the good faith judgment of the Servicer, will be recoverable by the Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. Section 3.10 Access to Certain Documentation and Information Regarding the Mortgage Loans. The Servicer shall afford the Trustee reasonable access to all records and documentation regarding the Mortgage Loans and all accounts, insurance information and other matters relating to this Agreement, such access being afforded without charge, but only upon reasonable request and during normal business hours at the office designated by the Servicer. Upon reasonable advance notice in writing, the Servicer will provide to each Certificateholder which is a savings and loan association, bank or insurance company certain reports and reasonable access to information and documentation regarding the Mortgage Loans sufficient to permit such Certificateholder to comply with applicable regulations of the OTS or other regulatory authorities with respect to investment in the Certificates; provided that the Servicer shall be entitled to be reimbursed by each such Certificateholder for actual expenses incurred by the Servicer in providing such reports and access. Section 3.11 Permitted Withdrawals from the Servicer Custodial Account, Certificate Account and Upper-Tier Certificate Account. (a) The Servicer may from time to time make withdrawals from the Servicer Custodial Account, for the following purposes: (i) to pay to the Servicer (to the extent not previously retained), the servicing compensation to which it is entitled pursuant to Section 3.17, and to pay to the Servicer, as additional servicing compensation, earnings on or investment income with respect to funds in or credited to the Servicer Custodial Account; (ii) to reimburse the Servicer for unreimbursed Advances made by it, such right of reimbursement pursuant to this clause (ii) being limited to amounts received on the Mortgage Loan(s) in respect of which any such Advance was made; (iii) to reimburse the Servicer for any Nonrecoverable Advance previously made; (iv) to reimburse the Servicer for Insured Expenses from the related Insurance Proceeds; (v)to pay to the purchaser, with respect to each Mortgage Loan or REO Property that has been purchased pursuant to Sections 2.02, 2.04 or 2.09, all amounts received thereon after the date of such purchase; (vi) to reimburse the Servicer or the Depositor for expenses incurred by any of them and reimbursable pursuant to Section 7.03; (vii) to withdraw any amount deposited in the Servicer Custodial Account and not required to be deposited therein; (viii) on or prior to the Remittance Date, to withdraw an amount equal to the related Pool Distribution Amount, the related Trustee Fee and any other amounts due to the Trustee under this Agreement for such Distribution Date, to the extent on deposit, and remit such amount in immediately available funds to the Trustee for deposit in the Certificate Account; and (ix) to clear and terminate the Servicer Custodial Account upon termination of this Agreement pursuant to Section 10.01. The Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any withdrawal from the Servicer Custodial Account pursuant to clauses (i), (ii), (iv) and (v). Prior to making any withdrawal from the Servicer Custodial Account pursuant to clause (iii), the Servicer shall deliver to the Trustee an Officer's Certificate of a Servicing Officer indicating the amount of any previous Advance determined by the Servicer to be a Nonrecoverable Advance and identifying the related Mortgage Loan(s) and their respective portions of such Nonrecoverable Advance. (b) The Trustee shall withdraw funds from the Certificate Account for distributions to Certificateholders in the manner specified in this Agreement. In addition, the Trustee may from time to time make withdrawals from the Certificate Account for the following purposes: (i) to pay to itself the Trustee Fee and any other amounts due to the Trustee under this Agreement for the related Distribution Date; (ii) to pay to itself as additional compensation earnings on or investment income with respect to funds in the Certificate Account; (iii) to withdraw and return to the Servicer any amount deposited in the Certificate Account and not required to be deposited therein; and (iv) to clear and terminate the Certificate Account upon termination of the Agreement pursuant to Section 10.01. (c) Notwithstanding anything herein to the contrary, the Regular Certificates and the Class A-R Certificate shall not receive distributions directly from the Certificate Account. On each Distribution Date, funds on deposit in the Upper-Tier Certificate Account shall be used to make payments on the Regular Certificates and the Class A-R Certificate as provided in Sections 5.01 and 5.02. The Upper-Tier Certificate Account shall be cleared and terminated upon termination of this Agreement pursuant to Section 10.01. Section 3.12 Maintenance of Hazard Insurance. The Servicer shall cause to be maintained for each Mortgage Loan, fire and hazard insurance with extended coverage customary in the area where the Mortgaged Property is located in an amount which is at least equal to the lesser of (a) the full insurable value of the Mortgaged Property or (b) the greater of (i) the outstanding principal balance owing on the Mortgage Loan and (ii) an amount such that the proceeds of such insurance shall be sufficient to avoid the application to the Mortgagor or loss payee of any coinsurance clause under the policy. If the Mortgaged Property is in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards (and such flood insurance has been made available) the Servicer will cause to be maintained a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration and the requirements of FNMA or FHLMC. The Servicer shall also maintain on REO Property, fire and hazard insurance with extended coverage in an amount which is at least equal to the maximum insurable value of the improvements which are a part of such property, liability insurance and, to the extent required, flood insurance in an amount required above. Any amounts collected by the Servicer under any such policies (other than amounts to be deposited in an Escrow Account and applied to the restoration or repair of the property subject to the related Mortgage or property acquired in liquidation of the Mortgage Loan, or to be released to the Mortgagor in accordance with Customary Servicing Procedures) shall be deposited in the Servicer Custodial Account, subject to withdrawal pursuant to Section 3.11(a). It is understood and agreed that no earthquake or other additional insurance need be required by the Servicer of any Mortgagor or maintained on REO Property, other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. All policies required hereunder shall be endorsed with standard mortgagee clauses with loss payable to the Servicer, and shall provide for at least 30 days prior written notice of any cancellation, reduction in amount or material change in coverage to the Servicer. The hazard insurance policies for each Mortgage Loan secured by a unit in a condominium development or planned unit development shall be maintained with respect to such Mortgage Loan and the related development in a manner which is consistent with FNMA requirements. Notwithstanding the foregoing, the Servicer may maintain a blanket policy insuring against hazard losses on all of the Mortgaged Properties relating to the Mortgage Loans in lieu of maintaining the required hazard insurance policies for each Mortgage Loan and may maintain a blanket policy insuring against special flood hazards in lieu of maintaining any required flood insurance. Any such blanket policies shall (A) be consistent with prudent industry standards, (B) name the Servicer as loss payee, (C) provide coverage in an amount equal to the aggregate unpaid principal balance on the related Mortgage Loans without co-insurance, and (D) otherwise comply with the requirements of this Section 3.12. Any such blanket policy may contain a deductible clause; provided that if any Mortgaged Property is not covered by a separate policy otherwise complying with this Section 3.12 and a loss occurs with respect to such Mortgaged Property which loss would have been covered by such a policy, the Servicer shall deposit in the Servicer Custodial Account the difference, if any, between the amount that would have been payable under a separate policy complying with this Section 3.12 and the amount paid under such blanket policy. Section 3.13 Enforcement of Due-On-Sale Clauses; Assumption Agreements. (a) Except as otherwise provided in this Section 3.13, when any Mortgaged Property subject to a Mortgage has been conveyed by the Mortgagor, the Servicer shall use reasonable efforts, to the extent that it has actual knowledge of such conveyance, to 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, the Servicer is not required to exercise such rights with respect to a Mortgage Loan if the Person to whom the related Mortgaged Property has been conveyed or is proposed to be conveyed satisfies the terms and conditions contained in the Mortgage Note and Mortgage related thereto and the consent of the mortgagee under such Mortgage Note or Mortgage is not otherwise required under such Mortgage Note or Mortgage as a condition to such transfer. If (i) the Servicer is prohibited by law from enforcing any such due-on-sale clause, (ii) coverage under any Required Insurance Policy would be adversely affected, (iii) the Mortgage Note does not include a due-on-sale clause or (iv) nonenforcement is otherwise permitted hereunder, the Servicer is authorized, subject to Section 3.13(b), to take or enter into an assumption and modification agreement from or with the Person to whom such Mortgaged Property has been or is about to be conveyed, pursuant to which such Person becomes liable under the Mortgage Note and, unless prohibited by applicable state law, the Mortgagor remains liable thereon; provided that the Mortgage Loan shall continue to be covered (if so covered before the Servicer enters such agreement) by the applicable Required Insurance Policies. The Servicer, subject to Section 3.13(b), is also authorized with the prior approval of the insurers under any Required Insurance Policies to enter into a substitution of liability agreement with such Person, pursuant to which the original Mortgagor is released from liability and such Person is substituted as Mortgagor and becomes liable under the Mortgage Note. Notwithstanding the foregoing, the Servicer shall not be deemed to be in default under this Section 3.13 by reason of any transfer or assumption which the Servicer reasonably believes it is restricted by law from preventing, for any reason whatsoever. (b) Subject to the 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 has been conveyed to a Person by a Mortgagor, and such Person is to enter into an assumption agreement or modification agreement or supplement to the Mortgage Note or Mortgage that 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 Servicer shall prepare and deliver or cause to be prepared and delivered to the Trustee for signature and shall direct, in writing, the Trustee to execute 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. In no event shall the Trustee incur liability for executing any document under this Section 3.13 at the direction of the Servicer. In connection with any such assumption, no material term of the Mortgage Note may be changed. In addition, the substitute Mortgagor and the Mortgaged Property must be acceptable to the Servicer in accordance with its underwriting standards as then in effect. Together with each such substitution, assumption or other agreement or instrument delivered to the Trustee for execution by it, the Servicer shall deliver an Officer's Certificate signed by a Servicing Officer stating that the requirements of this subsection have been met. The Servicer shall notify the Trustee that any such substitution or assumption agreement has been completed by forwarding to the Trustee (or at the direction of the Trustee, the Custodian) the original of such substitution or assumption agreement, which in the case of the original shall be added to the related Mortgage File and shall, for all purposes, be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting a part thereof. Any fee collected by the Servicer for entering into an assumption or substitution of liability agreement may be retained by the Servicer as additional master servicing compensation. Notwithstanding the foregoing, to the extent permissible under applicable law and at the request of the Servicer, the Trustee shall execute and deliver to the Servicer any powers of attorney and other documents prepared by the Servicer that are reasonably necessary or appropriate to enable the Servicer to execute any assumption agreement or modification agreement required to be executed by the Trustee under this Section 3.13. Section 3.14 Realization Upon Defaulted Mortgage Loans; REO Property. (a) The Servicer shall use reasonable efforts to foreclose upon or otherwise comparably convert the ownership of Mortgaged 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. In connection with such foreclosure or other conversion, the Servicer shall follow Customary Servicing Procedures and shall meet the requirements of the insurer under any Required Insurance Policy; provided, however, that the Servicer may enter into a special servicing agreement with an unaffiliated Holder of 100% Percentage Interest of a Class of Class B Certificates or a holder of a class of securities representing interests in the Class B Certificates alone or together with other subordinated mortgage pass-through certificates. Such agreement shall be substantially in the form attached hereto as Exhibit K or subject to each Rating Agency's acknowledgment that the ratings of the Certificates in effect immediately prior to the entering into such agreement would not be qualified, downgraded or withdrawn and the Certificates would not be placed on credit review status (except for possible upgrading) as a result of such agreement. Any such agreement may contain provisions whereby such holder may instruct the Servicer to commence or delay foreclosure proceedings with respect to delinquent Mortgage Loans and will contain provisions for the deposit of cash by the holder that would be available for distribution to Certificateholders if Liquidation Proceeds are less than they otherwise may have been had the Servicer acted in accordance with its normal procedures. Notwithstanding the foregoing, the Servicer shall not be required to expend its own funds in connection with any foreclosure or towards the restoration of any Mortgaged Property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan after reimbursement to itself of such expenses and (ii) that such expenses will be recoverable to it through proceeds of the liquidation of the Mortgage Loan (respecting which it shall have priority for purposes of withdrawals from the Servicer Custodial Account). Any such expenditures shall constitute Servicing Advances for purposes of this Agreement. The decision of the Servicer to foreclose on a defaulted Mortgage Loan shall be subject to a determination by the Servicer that the proceeds of such foreclosure would exceed the costs and expenses of bringing such a proceeding. With respect to any REO Property, the deed or certificate of sale shall be taken in the name of the Trustee for the benefit of the Certificateholders, or its nominee, on behalf of the Certificateholders. The Trustee's name shall be placed on the title to such REO Property solely as the Trustee hereunder and not in its individual capacity. The Servicer shall ensure that the title to such REO Property references this Agreement and the Trustee's capacity hereunder. Pursuant to its efforts to sell such REO Property, the Servicer shall either itself or through an agent selected by the Servicer manage, conserve, protect and operate such REO Property in the same manner that it manages, conserves, protects and operates other foreclosed property for its own account and in the same manner that similar property in the same locality as the REO Property is managed. Incident to its conservation and protection of the interests of the Certificateholders, the Servicer may rent the same, or any part thereof, as the Servicer deems to be in the best interest of the Certificateholders for the period prior to the sale of such REO Property. The Servicer shall prepare for and deliver to the Trustee a statement with respect to each REO Property that has been rented, if any, showing the aggregate rental income received and all expenses incurred in connection with the management and maintenance of such REO Property at such times as is necessary to enable the Trustee to comply with the reporting requirements of the REMIC Provisions; provided, however, that the Servicer shall have no duty to rent any REO Property on behalf of the Trust. The net monthly rental income, if any, from such REO Property shall be deposited in the Servicer Custodial Account no later than the close of business on each Determination Date. The Servicer shall perform, with respect to the Mortgage Loans, the tax reporting and withholding required by Sections 1445 and 6050J of the Code with respect to foreclosures and abandonments, the tax reporting required by Section 6050H of the Code with respect to the receipt of mortgage interest from individuals and, if required by Section 6050P of the Code with respect to the cancellation of indebtedness by certain financial entities, by preparing such tax and information returns as may be required, in the form required. The Servicer shall deliver copies of such reports to the Trustee. If the Trust acquires any Mortgaged Property as described above or otherwise in connection with a default or a default which is reasonably foreseeable on a Mortgage Loan, the Servicer shall dispose of such Mortgaged Property prior to the end of the third calendar year following the year of its acquisition by the Trust (such period, the "REO Disposition Period") unless (A) the Trustee shall have been supplied by the Servicer with an Opinion of Counsel to the effect that the holding by the Trust of such Mortgaged Property subsequent to the REO Disposition Period will not result in the imposition of taxes on "prohibited transactions" on either the Upper-Tier REMIC or the Lower-Tier REMIC (as defined in Section 860F of the Code) or cause either REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding, or (B) the Trustee (at the Servicer's expense) or the Servicer shall have applied for, prior to the expiration of the REO Disposition Period, an extension of the REO Disposition Period in the manner contemplated by Section 856(e)(3) of the Code. If such an Opinion of Counsel is provided or such an exemption is obtained, the Trust may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel) for the applicable period. Notwithstanding any other provision of this Agreement, no Mortgaged Property acquired by the Trust shall be rented (or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the Trust in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject either REMIC to the imposition of any federal, state or local income taxes on the income earned from such Mortgaged Property under Section 860G(c) of the Code or otherwise, unless the Servicer has agreed to indemnify and hold harmless the Trust with respect to the imposition of any such taxes. The Servicer shall identify to the Trustee any Mortgaged Property relating to a Mortgage Loan held by the Trust for 30 months for which no plans to dispose of such Mortgaged Property by the Servicer have been made. After delivery of such identification, the Servicer shall proceed to dispose of any such Mortgaged Property by holding a commercially reasonable auction for such property. The income earned from the management of any REO Properties, net of reimbursement to the Servicer for expenses incurred (including any property or other taxes) in connection with such management and net of unreimbursed Servicing Fees, Periodic Advances and Servicing Advances, shall be applied to the payment of principal of and interest on the related defaulted Mortgage Loans (solely for the purposes of allocating principal and interest, interest shall be treated as accruing as though such Mortgage Loans were still current) and all such income shall be deemed, for all purposes in this Agreement, to be payments on account of principal and interest on the related Mortgage Notes and shall be deposited into the Servicer Custodial Account. To the extent the net income received during any calendar month is in excess of the amount attributable to amortizing principal and accrued interest at the related Mortgage Interest Rate on the related Mortgage Loan for such calendar month, such excess shall be considered to be a partial prepayment of principal of the related Mortgage Loan. The proceeds from any liquidation of a Mortgage Loan, as well as any income from an REO Property, will be applied in the following order of priority: first, to reimburse the Servicer for any related unreimbursed Servicing Advances and Servicing Fees; second, to reimburse the Servicer for any unreimbursed Periodic Advances and to reimburse the Servicer Custodial Account for any Nonrecoverable Advances (or portions thereof) that were previously withdrawn by the Servicer pursuant to Section 3.11(a)(iii) that related to such Mortgage Loan; third, to accrued and unpaid interest (to the extent no Periodic Advance has been made for such amount or any such Periodic Advance has been reimbursed) on the Mortgage Loan or related REO Property, at the Mortgage Rate to the Due Date occurring in the month in which such amounts are required to be distributed; and fourth, as a recovery of principal of the Mortgage Loan. Excess Proceeds, if any, from the liquidation of a Liquidated Mortgage Loan will be retained by the Servicer as additional servicing compensation pursuant to Section 3.17. (b) The Servicer shall promptly notify the Depositor of any Mortgage Loan which comes into default. The Depositor shall be entitled, at its option, to repurchase (i) any such defaulted Mortgage Loan from the Trust Estate if (a) in the Depositor's judgment, the default is not likely to be cured by the Mortgagor and (b) such Mortgage Loan is 180 days or more delinquent or (ii) any Mortgage Loan in the Trust Estate which pursuant to Section 4(b) of the Mortgage Loan Purchase Agreement the Seller requests the Depositor to repurchase and to sell to the Seller to facilitate the exercise of the Seller's rights against the originator or prior holder of such Mortgage Loan. The purchase price for any such Mortgage Loan shall be 100% of the unpaid principal balance of such Mortgage Loan plus accrued interest thereon at the Mortgage Interest Rate (less the Servicing Fee Rate for such Mortgage Loan) through the last day of the month in which such repurchase occurs. Upon the receipt of such purchase price, the Servicer shall provide to the Trustee the notification required by Section 3.15 and the Trustee or the Custodian shall promptly release to the Depositor the Mortgage File relating to the Mortgage Loan being repurchased. Section 3.15 Trustee to Cooperate; Release of Mortgage Files. Upon the payment in full of any Mortgage Loan, or the receipt by the Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Servicer will immediately notify the Trustee (or, at the direction of the Trustee, the Custodian) by delivering, or causing to be delivered, two copies (one of which will be returned to the Servicer with the Mortgage File) of a Request for Release (which may be delivered in an electronic format acceptable to the Trustee and the Servicer). Upon receipt of such request, the Trustee or the Custodian, as applicable, shall within seven Business Days release the related Mortgage File to the Servicer. The Trustee shall at the Servicer's direction execute and deliver to the Servicer the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, in each case provided by the Servicer, together with the Mortgage Note with written evidence of cancellation thereon. If the Mortgage has been recorded in the name of MERS or its designee, the Servicer shall take all necessary action to reflect the release of the Mortgage on the records of MERS. Expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the related Mortgagor. From time to time and as shall be appropriate for the servicing or foreclosure of any Mortgage Loan, including for such purpose collection under any policy of flood insurance, any fidelity bond or errors or omissions policy, or for the purposes of effecting a partial release of any Mortgaged Property from the lien of the Mortgage or the making of any corrections to the Mortgage Note or the Mortgage or any of the other documents included in the Mortgage File, the Trustee or the Custodian, as applicable, shall, upon delivery to the Trustee (or, at the direction of the Trustee, the Custodian) of a Request for Release signed by a Servicing Officer, release the Mortgage File within seven Business Days to the Servicer. Subject to the further limitations set forth below, the Servicer shall cause the Mortgage File so released to be returned to the Trustee or the Custodian, as applicable, when the need therefor by the Servicer no longer exists, unless the Mortgage Loan is liquidated and the proceeds thereof are deposited in the Servicer Custodial Account, in which case the Servicer shall deliver to the Trustee or the Custodian, as applicable, a Request for Release, signed by a Servicing Officer. The Trustee shall execute and deliver to the Servicer any powers of attorney and other documents prepared by the Servicer that are reasonably necessary or appropriate to enable the Servicer to carry out its servicing and administrative duties under this Agreement, upon the request of the Servicer. In addition, upon prepayment in full of any Mortgage Loan or the receipt of notice that funds for such purpose have been placed in escrow, the Servicer is authorized to give, as attorney-in-fact for the Trustee and the mortgagee under the Mortgage, an instrument of satisfaction (or Assignment of Mortgage without recourse) regarding the Mortgaged Property relating to such Mortgage Loan, which instrument of satisfaction or Assignment of Mortgage, as the case may be, shall be delivered to the Person entitled thereto against receipt of the prepayment in full. If the Mortgage is registered in the name of MERS or its designee, the Servicer shall take all necessary action to reflect the release on the records of MERS. In lieu of executing such satisfaction or Assignment of Mortgage, or if another document is required to be executed by the Trustee, the Servicer may deliver or cause to be delivered to the Trustee, for signature, as appropriate, any court pleadings, requests for trustee's sale or other documents necessary to effectuate such foreclosure or any legal action brought to obtain judgment against the Mortgagor on the Mortgage Note or the Mortgage or to obtain a deficiency judgment or to enforce any other remedies or rights provided by the Mortgage Note or the Mortgage or otherwise available at law or in equity. Section 3.16 Documents, Records and Funds in Possession of the Servicer to be Held for the Trustee. The Servicer shall transmit to the Trustee or, at the direction of the Trustee, the Custodian as required by this Agreement all documents and instruments in respect of a Mortgage Loan coming into the possession of the Servicer from time to time and shall account fully to the Trustee for any funds received by the Servicer or which otherwise are collected by the Servicer as Liquidation Proceeds or Insurance Proceeds in respect of any Mortgage Loan. The documents constituting the Servicing File shall be held by the Servicer as custodian and bailee for the Trustee. All Mortgage Files and funds collected or held by, or under the control of, the Servicer in respect of any Mortgage Loans, whether from the collection of principal and interest payments or from Liquidation Proceeds, including but not limited to, any funds on deposit in the Servicer Custodial Account, shall be held by the Servicer for and on behalf of the Trustee and shall be and remain the sole and exclusive property of the Trustee, subject to the applicable provisions of this Agreement. The Servicer also agrees that it shall not knowingly create, incur or subject any Mortgage File or any funds that are deposited in the Servicer Custodial Account, Certificate Account or any Escrow Account, or any funds that otherwise are or may become due or payable to the Trustee for the benefit of the Certificateholders, to any claim, lien, security interest, judgment, levy, writ of attachment or other encumbrance created by the Servicer, or assert by legal action or otherwise any claim or right of setoff against any Mortgage File or any funds collected on, or in connection with, a Mortgage Loan, except, however, that the Servicer shall be entitled to set off against and deduct from any such funds any amounts that are properly due and payable to the Servicer under this Agreement. Section 3.17 Servicing Compensation. The Servicer shall be entitled out of each payment of interest on a Mortgage Loan (or portion thereof) and included in the Trust Estate to retain or withdraw from the Servicer Custodial Account an amount equal to the Servicing Fee for such Distribution Date. Additional servicing compensation in the form of Excess Proceeds, prepayment penalties, assumption fees, late payment charges and all income and gain net of any losses realized from Permitted Investments and all other customary and ancillary income and fees shall be retained by the Servicer to the extent not required to be deposited in the Servicer Custodial Account pursuant to Section 3.08(b). The Servicer shall be required to pay all expenses incurred by it in connection with its servicing activities hereunder and shall not be entitled to reimbursement therefor except as specifically provided in this Agreement. Notwithstanding the foregoing, with respect to the payment of the Servicing Fee on any Distribution Date, the aggregate Servicing Fee for the Servicer for such Distribution Date shall be reduced (but not below zero) by an amount equal to the lesser of (a) the Prepayment Interest Shortfall for such Distribution Date relating to the Mortgage Loans and (b) one-twelfth of 0.25% of the aggregate Stated Principal Balance of such Mortgage Loans for such Distribution Date (any such reduction, "Compensating Interest"). Section 3.18 Annual Statement as to Compliance. The Servicer shall deliver to the Trustee and each Rating Agency on or before 90 days after the end of the Servicer's fiscal year, commencing with its 2001 fiscal year, an Officer's Certificate stating, as to the signer thereof, that (a) a review of the activities of the Servicer during the preceding calendar year and of the performance of the Servicer under this Agreement has been made under such officer's supervision, and (b) to the best of such officer's knowledge, based on such review, the Servicer has fulfilled all its obligations under this Agreement throughout such year, or, if there has been a default in the fulfillment of any such obligation, specifying each such default known to such officer and the nature and status thereof. Section 3.19 Annual Independent Public Accountants' Servicing Statement; Financial Statements. The Servicer shall, at its own expense, on or before 90 days after the end of the Servicer's fiscal year, commencing with its 2001 fiscal year, cause a firm of independent public accountants (who may also render other services to the Servicer or any affiliate thereof) which is a member of the American Institute of Certified Public Accountants to furnish a statement to the Trustee to the effect that such firm has with respect to the Servicer's overall servicing operations, examined such operations in accordance with the requirements of the Uniform Single Attestation Program for Mortgage Bankers, stating such firm's conclusions relating thereto. Section 3.20 Advances. The Servicer shall determine on or before each Servicer Advance Date whether it is required to make a Periodic Advance pursuant to the definition thereof. If the Servicer determines it is required to make a Periodic Advance, it shall, on or before the Servicer Advance Date, either (a) deposit into the Servicer Custodial Account an amount equal to the Advance and/or (b) make an appropriate entry in its records relating to the Servicer Custodial Account that any portion of the Amount Held for Future Distribution in the Servicer Custodial Account has been used by the Servicer in discharge of its obligation to make any such Periodic Advance. Any funds so applied shall be replaced by the Servicer by deposit in the Servicer Custodial Account no later than the close of business on the Business Day preceding the next Servicer Advance Date. The Servicer shall be entitled to be reimbursed from the Servicer Custodial Account for all Advances of its own funds made pursuant to this Section 3.20 as provided in Section 3.11(a). The obligation to make Periodic Advances with respect to any Mortgage Loan shall continue until the ultimate disposition of the REO Property or Mortgaged Property relating to such Mortgage Loan. The Servicer shall inform the Trustee of the amount of the Periodic Advance to be made by the Servicer on each Servicer Advance Date no later than the related Remittance Date. The Servicer shall deliver to the Trustee on the related Servicer Advance Date an Officer's Certificate of a Servicing Officer indicating the amount of any proposed Periodic Advance determined by the Servicer to be a Nonrecoverable Advance. Notwithstanding anything to the contrary, the Servicer shall not be required to make any Periodic Advance or Servicing Advance that would be a Nonrecoverable Advance. Section 3.21 Modifications, Waivers, Amendments and Consents. (a) Subject to this Section 3.21, the Servicer may agree to any modification, waiver, forbearance, or amendment of any term of any Mortgage Loan without the consent of the Trustee or any Certificateholder. All modifications, waivers, forbearances or amendments of any Mortgage Loan shall be in writing and shall be consistent with Customary Servicing Procedures. (b) The Servicer shall not agree to enter into, and shall not enter into, any modification, waiver (other than a waiver referred to in Section 3.13, which waiver, if any, shall be governed by Section 3.13), forbearance or amendment of any term of any Mortgage Loan if such modification, waiver, forbearance, or amendment would: (i) affect the amount or timing of any related payment of principal, interest or other amount payable thereunder; (ii) in the Servicer's judgment, materially impair the security for such Mortgage Loan or reduce the likelihood of timely payment of amounts due thereon; or (iii) otherwise constitute a "significant modification" within the meaning of Treasury Regulations Section 1.860G-2(b); unless, in either case, (A) such Mortgage Loan is 90 days or more past due or (B) the Servicer delivers to the Trustee an Opinion of Counsel to the effect that such modification, waiver, forbearance or amendment would not affect the REMIC status of either the Upper-Tier REMIC or the Lower-Tier REMIC and, in either case, such modification, waiver, forbearance or amendment is reasonably likely to produce a greater recovery with respect to such Mortgage Loan than would liquidation. Subject to Customary Servicing Procedures, the Servicer may permit a forbearance for a Mortgage Loan which in the Servicer's judgment is subject to imminent default. (c) Any payment of interest, which is deferred pursuant to any modification, waiver, forbearance or amendment permitted hereunder, shall not, for purposes hereof, including, without limitation, calculating monthly distributions to Certificateholders, be added to the unpaid principal balance of the related Mortgage Loan, notwithstanding that the terms of such Mortgage Loan or such modification, waiver or amendment so permit. (d) The Servicer may, as a condition to granting any request by a Mortgagor for consent, modification, waiver, forbearance or amendment, the granting of which is within the Servicer's discretion pursuant to the Mortgage Loan and is permitted by the terms of this Agreement, require that such Mortgagor pay to the Servicer, as additional servicing compensation, a reasonable or customary fee for the additional services performed in connection with such request, together with any related costs and expenses incurred by the Servicer, which amount shall be retained by the Servicer as additional servicing compensation. (e) The Servicer shall notify the Trustee, in writing, of any modification, waiver, forbearance or amendment of any term of any Mortgage Loan and the date thereof, and shall deliver to the Trustee (or, at the direction of the Trustee, the Custodian) for deposit in the related Mortgage File, an original counterpart of the agreement relating to such modification, waiver, forbearance or amendment, promptly (and in any event within ten Business Days) following the execution thereof; provided, however, that if any such modification, waiver, forbearance or amendment is required by applicable law to be recorded, the Servicer (i) shall deliver to the Trustee a copy thereof and (ii) shall deliver to the Trustee such document, with evidence of notification upon receipt thereof from the public recording office. Section 3.22 Reports to the Securities and Exchange Commission. The Trustee shall, on behalf of the Trust, cause to be filed with the Securities and Exchange Commission any periodic reports required to be filed under the provisions of the Securities Exchange Act of 1934, as amended, and the rules and regulations of the Securities and Exchange Commission thereunder, for so long as any Certificates registered under the 1933 Act are outstanding (other than the Current Report on Form 8-K to be filed by the Depositor in connection with computational materials and the initial Current Report on Form 8-K to be filed by the Depositor in connection with the issuance of the Certificates). Upon the request of the Trustee, the Servicer and the Depositor shall cooperate with the Trustee in the preparation of any such report and shall provide to the Trustee in a timely manner all such information or documentation as the Trustee may reasonably request in connection with the performance of its duties and obligations under this Section. ARTICLE IV SERVICER'S CERTIFICATE Section 4.01 Servicer's Certificate. Each month, not later than 12:00 noon Eastern time on the Business Day following each Determination Date, the Servicer shall deliver to the Trustee, a Servicer's Certificate (in substance and format mutually acceptable to the Servicer and the Trustee) certified by a Servicing Officer setting forth the information necessary in order for the Trustee to perform its obligations under this Agreement. The Trustee may conclusively rely upon the information contained in a Servicer's Certificate for all purposes hereunder and shall have no duty to verify or re-compute any of the information contained therein. Each such statement shall be provided by the Trustee to any Holder of a Certificate upon request and shall also, to the extent available, include information regarding delinquencies on Mortgage Loans providing such statement, indicating the number and aggregate principal amount of Mortgage Loans which are either one, two, three or more than three months delinquent and the book value of any REO Property. ARTICLE V PAYMENTS AND STATEMENTS TO CERTIFICATEHOLDERS; REMIC ADMINISTRATION Section 5.01 Distributions. On each Distribution Date, based solely on the information in the Servicer's Certificate, the Trustee shall distribute out of the Upper-Tier Certificate Account or Certificate Account, as applicable, (to the extent funds are available therein) to each Certificateholder of record on the related Record Date (other than as provided in Section 10.01 respecting the final distribution) (a) by check mailed to such Certificateholder entitled to receive a distribution on such Distribution Date at the address appearing in the Certificate Register, or (b) upon written request by the Holder of a Regular Certificate (in the event such Certificateholder owns of record 100% of a Class of Certificates or holds Certificates of any Class having denominations aggregating $1,000,000 or more), by wire transfer or by such other means of payment as such Certificateholder and the Trustee shall agree upon, such Certificateholder's Percentage Interest in the amount to which the related Class of Certificates is entitled in accordance with the priorities set forth below in Section 5.02. None of the Holders of any Class of Certificates, the Depositor, the Servicer or the Trustee shall in any way be responsible or liable to Holders of any Class of Certificates in respect of amounts properly previously distributed on any such Class. Amounts distributed with respect to any Class of Certificates shall be applied first to the distribution of interest thereon and then to principal thereon. Section 5.02 Priorities of Distributions. (a) On each Distribution Date, based solely on the information contained in the Servicer's Certificate, the Trustee shall withdraw from the Certificate Account (to the extent funds are available therein) (1) the amounts payable to the Trustee pursuant to Sections 3.11(b)(i) and 3.11(b)(ii) and shall pay such funds to itself, and (2) the Pool Distribution Amount, in an amount as specified in written notice received by the Trustee from the Servicer no later than the related Determination Date, and shall apply such funds, first, to distributions in respect of the Uncertificated Lower-Tier Interests as specified in this Section 5.02(a) for deposit in the Upper-Tier Certificate Account and to the Class A-LR Certificate, and then from the Upper-Tier Certificate Account to distributions on the Certificates in the following order of priority and to the extent of such funds: (i) to each Class of Senior Certificates (other than the Class A-LR Certificate), an amount allocable to interest equal to the Interest Distribution Amount for such Class and any shortfall being allocated among such Classes in proportion to the amount of the Interest Distribution Amount that would have been distributed in the absence of such shortfall; (ii) to the Class A Certificates (other than the Class A-LR Certificate), in an aggregate amount up to the Senior Principal Distribution Amount, such distribution to be allocated among such Classes in accordance with Section 5.02(b); (iii) to each Class of Subordinate Certificates, subject to paragraph (d) below, in the following order of priority: (A) to the Class B-1 Certificates, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (B) to the Class B-1 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Balance thereof has been reduced to zero; (C) to the Class B-2 Certificates, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (D) to the Class B-2 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Balance thereof has been reduced to zero; (E) to the Class B-3 Certificates, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (F) to the Class B-3 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Balance thereof has been reduced to zero; (G) to the Class B-4 Certificates, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (H) to the Class B-4 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Balance thereof has been reduced to zero; (I) to the Class B-5 Certificates, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; (J) to the Class B-5 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Balance thereof has been reduced to zero; (K) to the Class B-6 Certificates, an amount allocable to interest equal to the Interest Distribution Amount for such Class for such Distribution Date; and (L) to the Class B-6 Certificates, an amount allocable to principal equal to its Pro Rata Share for such Distribution Date until the Class Certificate Balance thereof has been reduced to zero; and (iv) to the Holder of the Class A-R Certificate, any amounts remaining in the Upper-Tier Certificate Account, and to the Holder of the Class A-LR Certificate, any remaining Pool Distribution Amount. All distributions in respect of the Interest Distribution Amount for a Class will be applied first with respect to the amount payable pursuant to clause (i) of the definition of "Interest Distribution Amount," and second with respect to the amount payable pursuant to clause (ii) of such definition. On each Distribution Date, each Uncertificated Lower-Tier Interest shall receive distributions in respect of principal in an amount equal to the amount of principal distributed to their respective Corresponding Upper-Tier Class as provided herein. On each Distribution Date, each Uncertificated Lower-Tier Interest shall receive distributions in respect of interest in an amount equal to the sum of (i) the Interest Distribution Amounts in respect of its Corresponding Upper-Tier Class to the extent actually distributed thereon and (ii) the product of the IO Interest Fraction for such Uncertificated Lower-Tier Class and the amount of interest accrued on the Class A-IO Certificates net of any distribution in respect of any Class Unpaid Interest Shortfall in each case actually distributed on the Class A-IO Certificates. Such amounts distributed to the Uncertificated Lower-Tier Interests in respect of principal and interest with respect to any Distribution Date are referred to herein collectively as the "Lower-Tier Distribution Amount." As of any date, the principal balance of each Uncertificated Lower-Tier Interest equals the aggregate of the Class Certificate Balances of the respective Corresponding Upper-Tier Class. The initial principal balance of each Uncertificated Lower-Tier Interest equals the aggregate of the Initial Class Certificate Balances of the respective Corresponding Upper-Tier Class. The pass-through rate with respect to the Class A-L1 Interest, Class A-L2 Interest, Class A-L3 Interest, Class A-L4 Interest, Class A-L5 Interest, Class A-LUR Interest, Class B-L1 Interest, Class B-L2 Interest, Class B-L3 Interest, Class B-L4 Interest, Class B-L5 Interest and Class B-L6 Interest shall be the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans. Any Non-Supported Interest Shortfalls will be allocated to each Uncertificated Lower-Tier Interest in the same relative proportions as interest is allocated to such Uncertificated Lower-Tier Interest. (b) On each Distribution Date prior to the Senior Credit Support Depletion Date, the amount distributable to the Class A Certificates pursuant to Section 5.02(a)(ii) for such Distribution Date, will be distributed in the following order of priority: first, concurrently, to the Class A-R and Class A-LR Certificates, pro rata, until their Class Certificate Balances have been reduced to zero; and second, concurrently, as follows: (A) 74.17398060% sequentially, to the Class A-1, Class A-2 and Class A-3 Certificates, in that order, until their Class Certificate Balances have been reduced to zero; and (B) 25.82601940% concurrently, to the Class A-4 and Class A-5 Certificates, pro rata, until their Class Certificate Balances have been reduced to zero. The Class A-IO Certificates are Interest-Only Certificates and are not entitled to distributions in respect of principal. On each Distribution Date on or after the Senior Credit Support Depletion Date, notwithstanding the allocation and priority set forth above, the portion of the Pool Distribution Amount available to be distributed as principal of the Class A Certificates shall be distributed concurrently, as principal, on such Classes, pro rata, on the basis of their respective Class Certificate Balances, until the Class Certificate Balances thereof are reduced to zero. (c) On each Distribution Date, Accrued Certificate Interest for each Class of Certificates for such Distribution Date shall be reduced by such Class's pro rata share, based on such Class's Interest Distribution Amount for such Distribution Date, without taking into account the allocation made by this Section 5.02(c), of (A) Non-Supported Interest Shortfalls, (B) any Excess Losses allocable to interest, (C) on and after the Senior Credit Support Depletion Date, any other Realized Loss allocable to interest and (D) each Relief Act Reduction incurred during the calendar month preceding the month of such Distribution Date. (d) Notwithstanding the priority and allocation contained in Section 5.02(a)(iii), (A) if with respect to any Class of Subordinate Certificates on any Distribution Date, (i) the aggregate of the Class Certificate Balances immediately prior to such Distribution Date of all Classes of Subordinate Certificates which have a higher numerical Class designation than such Class, divided by (ii) the aggregate Class Certificate Balance of all the Certificates immediately prior to such Distribution Date (the "Fractional Interest") is less than the Original Fractional Interest for such Class, no distribution of principal will be made to any Classes junior to such Class (the "Restricted Classes"), the Class Certificate Balances of the Restricted Classes will not be used in determining the Pro Rata Share for the Subordinate Certificates that are not Restricted Classes; provided, however, if the aggregate Class Certificate Balances of the Subordinate Certificates that are not Restricted Classes are reduced to zero, then notwithstanding the above, any funds remaining will be distributed sequentially to the Restricted Classes in order of their respective numerical Class designations (beginning with the Class of Restricted Certificates then outstanding with the lowest numerical Class designation) and (B) if with respect to any Class of Subordinate Certificates on any Distribution Date prior to the Distribution Date in September 2012, the Fractional Interest of such Class is less than twice its Original Fractional Interest and the Senior Prepayment Percentage for such Distribution Date is determined in accordance with clause (ii) or (iii) of the second sentence of the definition of "Senior Prepayment Percentage," the Classes of Subordinate Certificates that have higher numerical designations will receive in respect of clause (ii) of the Subordinate Principal Distribution Amount, an amount equal to the product of their Pro Rata Shares and the percentages set forth in the following table: Distribution Date Occurring Percentage --------------------------- ---------- September 2001 through August 2008 0% September 2008 through August 2009 30% September 2009 through August 2010 40% September 2010 through August 2011 60% September 2011 through August 2012 80% Each Class of Subordinate Certificates that received its full Pro Rata Share will be allocated any remaining amount in respect of clause (ii) of the Subordinate Principal Distribution Amount, pro rata (based on the Class Certificate Balances of only those Subordinate Certificates that received a full Pro Rata Share). Section 5.03 Allocation of Losses. (a) On or prior to each Determination Date, the Servicer shall inform the Trustee in writing with respect to each Mortgage Loan: (1) whether any Realized Loss is a Deficient Valuation, a Debt Service Reduction, a Fraud Loss or a Special Hazard Loss, (2) of the amount of such loss or Deficient Valuation, or of the terms of such Debt Service Reduction and (3) of the total amount of Realized Losses. Based on such information, the Trustee shall determine the total amount of Realized Losses, including Excess Losses, with respect to the related Distribution Date. The principal portion of Realized Losses with respect to any Distribution Date shall be allocated as follows: (i) the principal portion of any Realized Loss (other than an Excess Loss) shall be allocated first to the Subordinate Certificates in reverse order of their respective numerical Class designations (beginning with the Class of Subordinate Certificates then outstanding with the highest numerical Class designation) until the respective Class Certificate Balance of each such Class is reduced to zero, and second to the Senior Certificates, pro rata, on the basis of their respective Class Certificate Balances immediately prior to the related Distribution Date; and (ii) the principal portion of any Excess Losses shall be allocated pro rata among the Senior Certificates in the aggregate on the basis of their aggregate principal balance and among the Classes of Subordinate Certificates on the basis of their respective Class Certificate Balances immediately prior to the related Distribution Date. Excess Losses allocated to the Senior Certificates will be allocated among such Classes pro rata on the basis of their respective Class Certificate Balances. (b) The Class Certificate Balance of the Class of Subordinate Certificates then outstanding with the highest numerical Class designation shall be reduced on each Distribution Date by the amount, if any, by which the aggregate of the Class Certificate Balances of all outstanding Classes of Certificates (after giving effect to the amount to be distributed as a distribution of principal and the allocation of Realized Losses on such Distribution Date) exceeds the Adjusted Pool Amount for such Distribution Date. After the Senior Credit Support Depletion Date, the Class Certificate Balances of the Senior Certificates in the aggregate shall be reduced on each Distribution Date by the amount, if any, by which the aggregate of the Class Certificate Balances of all outstanding Classes of Senior Certificates (after giving effect to the amount to be distributed as a distribution of principal and the allocation of Realized Losses on such Distribution Date) exceeds the Adjusted Pool Amount for such Distribution Date. Any such reduction shall be allocated among the Senior Certificates based on the Class Certificate Balances immediately prior to such Distribution Date. (c) Any Realized Loss allocated to a Class of Certificates or any reduction in the Class Certificate Balance of a Class of Certificates pursuant to Section 5.03(b) above shall be allocated among the Certificates of such Class in proportion to their respective Percentage Interests. (d) Any allocation of Realized Losses to a Class of Certificates or any reduction in the Class Certificate Balance of a Class pursuant to Section 5.03(b) above shall be accomplished by reducing the Class Certificate Balance thereof prior to the distributions made on the related Distribution Date in accordance with the definition of "Class Certificate Balance." (e) With respect to any Distribution Date, Realized Losses allocated pursuant to this Section 5.03 will be allocated to each Uncertificated Lower-Tier Interest in an amount equal to the amount allocated to its respective Corresponding Upper-Tier Class as provided above. Section 5.04 Statements to Certificateholders. (a) Prior to the Distribution Date in each month, based upon the information provided to the Trustee on the Servicer's Certificates delivered to the Trustee pursuant to Section 4.01, the Trustee shall determine the following information with respect to such Distribution Date: (i) the amount allocable to principal, separately identifying the aggregate amount of any Principal Prepayments and Liquidation Proceeds included therein; (ii) the amount allocable to interest, any Class Unpaid Interest Shortfall included in such distribution and any remaining Class Unpaid Interest Shortfall after giving effect to such distribution; (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 and the allocation thereof as between principal and interest; (iv) the Class Certificate Balance of each Class of Certificates after giving effect to the distribution of principal on such Distribution Date; (v) the Pool Stated Principal Balance for the following Distribution Date; (vi) the Senior Percentage and Subordinate Percentage for the following Distribution Date; (vii) the amount of the Servicing Fee paid to or retained by the Servicer with respect to such Distribution Date; (viii) the Pass-Through Rate for each such Class of Certificates with respect to such Distribution Date; (ix) the amount of Periodic Advances included in the distribution on such Distribution Date and the aggregate amount of Periodic Advances outstanding as of the close of business on such Distribution Date; (x) the number and aggregate principal amounts of Mortgage Loans (A) delinquent (exclusive of Mortgage Loans in foreclosure) (1) 1 to 30 days (2) 31 to 60 days (3) 61 to 90 days and (4) 91 or more days and (B) in foreclosure, as of the close of business on the last day of the calendar month preceding such Distribution Date; (xi) with respect to any Mortgage Loan that became an REO Property during the preceding calendar month, the loan number and Stated Principal Balance of such Mortgage Loan as of the close of business on the Determination Date preceding such Distribution Date and the date of acquisition thereof; (xii) the total number and principal balance of any REO Properties (and market value, if available) as of the close of business on the Determination Date preceding such Distribution Date; (xiii) the Senior Prepayment Percentage and the Subordinate Prepayment Percentage for the following Distribution Date; (xiv) the aggregate amount of Realized Losses incurred during the preceding calendar month; (xv) the Special Hazard Loss Amount, the Fraud Loss Amount and the Bankruptcy Loss Amount, in each case as of the related Determination Date; and (xvi) in the case of the Class A-IO Certificates, the Class A-IO Notional Amount for the following Distribution Date. (b) No later than each Distribution Date, the Trustee, based upon information supplied to it on the Servicer's Certificates, shall prepare and deliver (by mail, fax or electronically) to each Holder of a Certificate, each Rating Agency and the Servicer a statement setting forth the information set forth in Section 5.04(a). In the case of information furnished pursuant to clauses (i), (ii) and (ix) of Section 5.04(a), the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. On each Distribution Date, the Trustee shall prepare and furnish to each Financial Market Service, in electronic or such other format and media mutually agreed upon by the Trustee, the Financial Market Service and the Depositor, the information contained in the statement described in Section 5.04(a) for such Distribution Date. The Trustee may make available each month, to any interested party, the monthly statement to Certificateholders via the Trustee's website. Within a reasonable period of time after the end of each calendar year, the Trustee shall furnish to each Person who at any time during the calendar year was the Holder of a Certificate, if requested in writing by such Person, a statement containing the information set forth in clauses (i), (ii) and (vii) of Section 5.04(a), in each case aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Trustee shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Trustee pursuant to any requirements of the Code as from time to time in force. The Trustee shall deliver to the Holders of Certificates any reports or information the Trustee is required by this Agreement or the Code, Treasury Regulations or REMIC Provisions to deliver to the Holders of Certificates, and the Trustee shall prepare and provide to the Certificateholders (by mail, telephone, or publication as may be permitted by applicable Treasury Regulations) such other reasonable information as the Trustee deems necessary or appropriate or is required by the Code, Treasury Regulations, and the REMIC Provisions including, but not limited to, (i) information to be reported to the Holders of the Residual Certificates for quarterly notices on Schedule Q (Form 1066) (which information shall be forwarded to the Holders of the Residual Certificates by the Trustee), (ii) information to be provided to the Holders of Certificates with respect to amounts which should be included as interest and original issue discount in such Holders' gross income and (iii) information to be provided to all Holders of Certificates setting forth the percentage of each REMIC's assets, determined in accordance with Treasury Regulations using a convention, not inconsistent with Treasury Regulations, selected by the Trustee in its absolute discretion, that constitute real estate assets under Section 856 of the Code, and assets described in Section 7701(a)(19)(C) of the Code; provided, however, that in setting forth the percentage of such assets of each REMIC, nothing contained in this Agreement, including without limitation Section 7.03 hereof, shall be interpreted to require the Trustee periodically to appraise the fair market values of the assets of the Trust Estate or to indemnify the Trust Estate or any Certificateholders from any adverse federal, state or local tax consequences associated with a change subsequently required to be made in the Depositor's initial good faith determinations of such fair market values (if subsequent determinations are required pursuant to the REMIC Provisions) made from time to time. Section 5.05 Tax Returns and Reports to Certificateholders. (a) For federal income tax purposes, each REMIC shall have a calendar year taxable year and shall maintain its books on the accrual method of accounting. (b) The Trustee shall prepare or cause to be prepared, shall execute and shall file or cause to be filed with the Internal Revenue Service and applicable state or local tax authorities income tax information returns for each taxable year with respect to each REMIC containing such information at the times and in the manner as may be required by the Code, the Treasury Regulations or state or local tax laws, regulations, or rules, and shall furnish or cause to be furnished to each REMIC and the Certificateholders the schedules, statements or information at such times and in such manner as may be required thereby. Within 30 days of the Closing Date, the Trustee shall furnish or cause to be furnished to the Internal Revenue Service, on Form 8811 or as otherwise required by the Code or the Treasury Regulations, the name, title, address and telephone number of the person that Holders of the Certificates may contact for tax information relating thereto, together with such additional information at the time or times and in the manner required by the Code or the Treasury Regulations. Such federal, state, or local income tax or information returns shall be signed by the Trustee, or such other Person as may be required to sign such returns by the Code, the Treasury Regulations or state or local tax laws, regulations, or rules. (c) In the first federal income tax return of each REMIC for its short taxable year ending December 31, 2001, REMIC status shall be elected for such taxable year and all succeeding taxable years. (d) The Trustee will maintain or cause to be maintained such records relating to each REMIC, including but not limited to records relating to the income, expenses, assets and liabilities of the Trust Estate, and the initial fair market value and adjusted basis of the Trust Estate property and assets determined at such intervals as may be required by the Code or the Treasury Regulations, as may be necessary to prepare the foregoing returns, schedules, statements or information. (e) For purposes of calculating original issue discount with respect to the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates, the Trustee shall not treat interest in excess of the fixed Pass-Through Rate (as specified in the table in the Preliminary Statement) as qualified stated interest, and shall include any such interest in the stated redemption price at maturity for any such Class. The terms "original issue discount" and "stated maturity price at redemption" shall have the meanings provided by Sections 1271 through 1275 of the Code and Treasury Regulations promulgated thereunder. Section 5.06 Tax Matters Person. The Tax Matters Person shall have the same duties with respect to each REMIC as those of a "tax matters partner" under Subchapter C of Chapter 63 of Subtitle F of the Code. The Holder of the Class A-R Certificate is hereby designated as the Tax Matters Person for the Upper-Tier REMIC. The Holder of the Class A-LR Certificate is hereby designated as the Tax Matters Person for the Lower-Tier REMIC. By their acceptance of the Class A-R or Class A-LR Certificate, as applicable, each such Holder irrevocably appoints the Trustee as its agent to perform all of the duties of the Tax Matters Person for the Upper-Tier REMIC and the Lower-Tier REMIC. Section 5.07 Rights of the Tax Matters Person in Respect of the Trustee. The Trustee shall afford the Tax Matters Person, upon reasonable notice during normal business hours, access to all records maintained by the Trustee in respect of its duties hereunder and access to officers of the Trustee responsible for performing such duties. Upon request, the Trustee shall furnish the Tax Matters Person with its most recent report of condition published pursuant to law or to the requirements of its supervisory or examining authority publicly available. The Trustee shall make available to the Tax Matters Person such books, documents or records relating to the Trustee's services hereunder as the Tax Matters Person shall reasonably request. The Tax Matters Person shall not have any responsibility or liability for any action or failure to act by the Trustee and is not obligated to supervise the performance of the Trustee under this Agreement or otherwise. Section 5.08 REMIC Related Covenants. For as long as the Trust shall exist, the Trustee, the Depositor and the Servicer shall act in accordance herewith to assure continuing treatment of the Upper-Tier REMIC and the Lower-Tier REMIC as REMICs and avoid the imposition of tax on either REMIC. In particular: (a) The Trustee shall not create, or permit the creation of, any "interests" in either REMIC within the meaning of Code Section 860D(a)(2) other than the interests represented by the Regular Certificates, the Residual Certificates and the Uncertificated Lower-Tier Interests. (b) Except as otherwise provided in the Code, (i) the Depositor and the Servicer shall not contribute to the Trust Estate and the Trustee shall not accept property unless substantially all of the property held in each REMIC constitutes either "qualified mortgages" or "permitted investments" as defined in Code Sections 860G(a)(3) and (5), respectively, and (ii) no property shall be contributed to either REMIC after the start-up day unless such contribution would not subject the Trust Estate to the 100% tax on contributions to a REMIC after the start-up day of the REMIC imposed by Code Section 860G(d). (c) The Trustee shall not accept on behalf of either REMIC any fee or other compensation for services and neither the Trustee nor the Servicer shall knowingly accept, on behalf of the Trust Estate any income from assets other than those permitted to be held by a REMIC. (d) The Trustee shall not sell or permit the sale of all or any portion of the Mortgage Loans (other than in accordance with Sections 2.02, 2.04 or 3.14(b)), unless such sale is pursuant to a "qualified liquidation" as defined in Code Section 860F(a)(4)(A) and in accordance with Article X. (e) The Trustee shall maintain books with respect to the Trust on a calendar year taxable year and on an accrual basis. Neither the Servicer nor the Trustee shall engage in a "prohibited transaction" (as defined in Code Section 860F(a)(2)), except that, with the prior written consent of the Servicer and the Depositor, the Trustee may engage in the activities otherwise prohibited by the foregoing paragraphs (b), (c) and (d); provided that the Servicer shall have delivered to the Trustee an Opinion of Counsel to the effect that such transaction will not result in the imposition of a tax on either the Upper-Tier REMIC or the Lower-Tier REMIC and will not disqualify either REMIC from treatment as a REMIC; and, provided further, that the Servicer shall have demonstrated to the satisfaction of the Trustee that such action will not adversely affect the rights of the Holders of the Certificates and the Trustee and that such action will not adversely impact the rating of the Certificates. ARTICLE VI THE CERTIFICATES Section 6.01 The Certificates. The Classes of Senior Certificates and the Subordinate Certificates shall be substantially in the forms set forth in Exhibits A-1, A-2, A-3, A-4, A-5, A-IO, A-R, A-LR, B-1, B-2, B-3, B-4, B-5, B-6 and C (reverse of all Certificates) and shall, on original issue, be executed by the Trustee and shall be countersigned and delivered by the Trustee to or upon the order of the Depositor upon receipt by the Trustee of the documents specified in Section 2.01. The Senior Certificates (other than the Class A-R and Class A-LR Certificates) shall be available to investors in interests representing minimum dollar Certificate Balances (or notional amounts) of $1,000 and integral multiples of $1 in excess thereof. The Subordinate Certificates shall be available to investors in interests representing minimum dollar Certificate Balances of $25,000 and integral dollar multiples of $1 in excess thereof (except one Certificate of such Class may be issued with a different Certificate Balance (or notional amount)). The Class A-R and Class A-LR Certificates shall each be in a minimum denomination of $50. The Senior Certificates (other than the Class A-R and Class A-LR Certificates) and the Class B-1, Class B-2 and Class B-3 Certificates shall initially be issued in book-entry form through the Depository and delivered to the Depository or, pursuant to the Depository's instructions on behalf of the Depository to, and deposited with, the Certificate Custodian, and all other Classes of Certificates shall initially be issued in definitive, fully-registered form. The Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by an authorized officer or signatory. Certificates bearing the manual or facsimile signatures of individuals who were, at the time when such signatures were affixed, authorized to sign on behalf of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to be so authorized prior to the execution and delivery of such Certificates or did not hold such offices or positions at the date of such Certificate. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless such Certificate shall have been manually countersigned by the Trustee substantially in the form provided for herein, and such countersignature 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 countersignature. Section 6.02 Registration of Transfer and Exchange of Certificates. (a) The Trustee shall cause to be kept at an office or agency in the city in which the Corporate Trust Office of the Trustee is located 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 shall initially serve as Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. (b) At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of a like Class, tenor 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 Trustee shall authenticate, countersign and deliver the Certificates 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 its attorney duly authorized in writing. (c) (i) Except as provided in paragraph (c)(iii) below, the Book-Entry Certificates shall at all times remain registered in the name of the Depository or its nominee and at all times: (A) registration of the Certificates may not be transferred by the Trustee except to another Depository; (B) the Depository shall maintain book-entry records with respect to the Certificate Owners and with respect to ownership and transfers of such Book-Entry Certificates; (C) ownership and transfers of registration of the Book-Entry Certificates on the books of the Depository shall be governed by applicable rules established by the Depository; (D) the Depository may collect its usual and customary fees, charges and expenses from its Depository Participants; (E) the Trustee shall deal with the Depository as the representative of the Certificate Owners of the Book-Entry Certificates for purposes of exercising the rights of Holders under this Agreement, and requests and directions for and votes of the Depository shall not be deemed to be inconsistent if they are made with respect to different Certificate Owners; and (F) the Trustee may rely and shall be fully protected in relying upon information furnished by the Depository with respect to its Depository Participants and furnished by the Depository Participants with respect to indirect participating firms and persons shown on the books of such indirect participating firms as direct or indirect Certificate Owners. (ii) All transfers by Certificate Owners of 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 only transfer 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. (iii) If (A) (1) the Depository or the Depositor advises the Trustee in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository, and (2) the Trustee or the Depositor is unable to locate a qualified successor, (B) the Depositor at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository or (C) after the occurrence of an Event of Default, Certificate Owners representing at least 51% of the aggregate Class Certificate Balances of the Book-Entry Certificates together advise the Trustee and the Depository through the Depository Participants in writing that the continuation of a book-entry system through the Depository is no longer in the best interests of the Certificate Owners, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of definitive, fully-registered Certificates (the "Definitive Certificates") to Certificate Owners requesting the same. Upon surrender to the Trustee of the related Class of Certificates by the Depository (or by the Certificate Custodian, if it holds such Class on behalf of the Depository), accompanied by the instructions from the Depository for registration, the Trustee shall issue the Definitive Certificates. None of the Servicer, the Depositor or the Trustee shall be liable for any delay in delivery of such instruction and may conclusively rely on, and shall be protected in relying on, such instructions. The Depositor shall provide the Trustee with an adequate inventory of certificates to facilitate the issuance and transfer of Definitive Certificates. Upon the issuance of Definitive Certificates, the Trustee shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (d) No transfer of a Private Certificate shall be made unless such transfer is exempt from the registration requirements of the 1933 Act and any applicable state securities laws or is made in accordance with the 1933 Act and such laws. In the event of any such transfer, (i) unless such transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably 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 the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached hereto as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached hereto either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Depositor shall provide to any Holder of a Private Certificate and any prospective transferees designated by any such Holder, information regarding the related Certificates and the Mortgage Loans and such other information as shall be necessary to satisfy the condition to eligibility set forth in Rule 144A(d)(4) for transfer of any such certificate without registration thereof under the 1933 Act pursuant to the registration exemption provided by Rule 144A. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. (e) No transfer of an ERISA Restricted Certificate shall be made unless the transferee delivers to the Trustee either (i) a representation letter in the form of Exhibit H from the transferee of such Certificate, which representation letter shall not be an expense of the Depositor, the Trustee or the Servicer, or (ii) in the case of any ERISA Restricted Certificate presented for registration in the name of an employee benefit plan or arrangement, including an individual retirement account, subject to ERISA, the Code, or any federal, state or local law ("Similar Law") which is similar to ERISA or the Code (collectively, a "Plan"), or a trustee or custodian of any of the foregoing, an Opinion of Counsel in form and substance satisfactory to the Trustee and the Servicer to the effect that the purchase or holding of such ERISA Restricted Certificate by or on behalf of such Plan will not result in the assets of the Trust Estate being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA, the Code or Similar Law and will not subject the Trustee, the Depositor or the Servicer to any obligation in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Trustee or the Servicer. Any transferee of an ERISA Restricted Certificate that does not comply with either clause (i) or (ii) of the preceding sentence will be deemed to have made one of the representations set forth in Exhibit H. Notwithstanding anything else to the contrary herein, any purported transfer of an ERISA Restricted Certificate to or on behalf of a Plan without the delivery to the Trustee and the Servicer of an Opinion of Counsel satisfactory to the Trustee and the Servicer as described above shall be void and of no effect. Neither the Trustee nor the Certificate Registrar shall have any liability for transfers of Book-Entry Certificates made through the book-entry facilities of the Depository or between or among any Depository Participants or Certificate Owners, made in violation of applicable restrictions. The Trustee may rely and shall be fully protected in relying upon information furnished by the Depository with respect to its Depository Participants and furnished by the Depository Participants with respect to indirect participating firms and Persons shown on the books of such indirect participating firms as direct or indirect Certificate Owners. To the extent permitted under applicable law (including, but not limited to, ERISA), the Trustee shall be under no liability to any Person for any registration of transfer of any ERISA Restricted Certificate that is in fact not permitted by this Section 6.02 or for making any payments due on such Certificate to the Holder thereof or taking any other action with respect to such Holder under the provisions of this Agreement so long as the transfer was registered by the Trustee in accordance with the foregoing requirements. (f) Each Person who has or who acquires any Ownership Interest in a Residual Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions, and the rights of each Person acquiring any Ownership Interest in a Residual Certificate are expressly subject to the following provisions: (i) Each Person holding or acquiring any Ownership Interest in a Residual 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. (ii) No Person shall acquire an Ownership Interest in a Residual Certificate unless such Ownership Interest is a pro rata undivided interest. (iii) In connection with any proposed transfer of any Ownership Interest in a Residual Certificate, the Trustee shall require delivery to it, in form and substance satisfactory to it, of an affidavit in the form of Exhibit I hereto from the proposed transferee. (iv) Notwithstanding the delivery of an affidavit by a proposed transferee under clause (iii) above, if a Responsible Officer of the Trustee has actual knowledge that the proposed transferee is not a Permitted Transferee, no transfer of any Ownership Interest in a Residual Certificate to such proposed transferee shall be effected. (v) No Ownership Interest in a Residual Certificate may be purchased by or transferred to any Person that is not a U.S. Person, unless (A) such Person holds such Residual Certificate in connection with the conduct of a trade or business within the United States and furnishes the transferor and the Trustee with an effective Internal Revenue Service Form W-8ECI (or successor thereto) or (B) the transferee delivers to both the transferor and the Trustee an Opinion of Counsel from a nationally-recognized tax counsel to the effect that such transfer is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes. (vi) Any attempted or purported transfer of any Ownership Interest in a Residual Certificate in violation of the provisions of this Section 6.02 shall be absolutely null and void and shall vest no rights in the purported transferee. If any purported transferee shall, in violation of the provisions of this Section 6.02, become a Holder of a Residual Certificate, then the prior Holder of such Residual Certificate that is a Permitted Transferee shall, upon discovery that the registration of transfer of such Residual Certificate was not in fact permitted by this Section 6.02, be restored to all rights as Holder thereof retroactive to the date of registration of transfer of such Residual Certificate. The Trustee shall be under no liability to any Person for any registration of transfer of a Residual Certificate that is in fact not permitted by this Section 6.02 or for making any distributions due on such Residual Certificate to the Holder thereof or taking any other action with respect to such Holder under the provisions of the Agreement so long as the transfer was registered in accordance with this Section 6.02. The Trustee shall be entitled to recover from any Holder of a Residual Certificate that was in fact not a Permitted Transferee at the time such distributions were made all distributions made on such Residual Certificate. Any such distributions so recovered by the Trustee shall be distributed and delivered by the Trustee to the prior Holder of such Residual Certificate that is a Permitted Transferee. (vii) If any Person other than a Permitted Transferee acquires any Ownership Interest in a Residual Certificate in violation of the restrictions in this Section 6.02, then the Trustee, based on information provided to the Trustee by the Servicer, will provide to the Internal Revenue Service, and to the Persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e) of the Code on transfers of residual interests to disqualified organizations. The expenses of the Trustee under this clause (vii) shall be reimbursable by the Trust. (viii) No Ownership Interest in a Residual Certificate shall be acquired by a Plan or any Person acting on behalf of a Plan. (g) [Reserved] (h) No service charge shall be imposed 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. (i) All Certificates surrendered for transfer and exchange shall be destroyed by the Certificate Registrar. Section 6.03 Mutilated, Destroyed, Lost or Stolen Certificates. If (a) any mutilated Certificate is surrendered to the Certificate Registrar or the Certificate Registrar receives evidence to its satisfaction of the destruction, loss or theft of any Certificate, and (b) there is delivered to the Trustee, the Depositor and the Certificate Registrar such security or indemnity reasonably satisfactory to each, to save each of them harmless, then, in the absence of actual notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall countersign 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, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. Section 6.04 Persons Deemed Owners. Prior to due presentation of a Certificate for registration of transfer, the Depositor, the Servicer, the Trustee, the Certificate Registrar and any agent of the Depositor, the 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 5.01 and for all other purposes whatsoever, and none of the Depositor, the Servicer, the Trustee, the Certificate Registrar or any agent of the Servicer, the Trustee or the Certificate Registrar shall be affected by notice to the contrary. ARTICLE VII THE DEPOSITOR AND THE SERVICER Section 7.01 Respective Liabilities of the Depositor and the Servicer. The Depositor and the 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 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 8.01 to assume any obligations of the 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 7.02 Merger or Consolidation of the Depositor or the Servicer. The Depositor and the Servicer will each keep in full effect its existence, rights and franchises as a separate entity under the laws governing its organization, 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. Any Person into which the Depositor or the Servicer may be merged or consolidated, or any corporation resulting from any merger or consolidation to which the Depositor or the Servicer shall be a party, or any Person succeeding to the business of the Depositor or the Servicer, shall be the successor of the Depositor or the 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 Servicer shall be qualified to service mortgage loans on behalf of FNMA or FHLMC. Section 7.03 Limitation on Liability of the Depositor, the Servicer and Others. None of the Depositor, the Servicer or any of the directors, officers, employees or agents of the Depositor or of the Servicer shall be under any liability to the Trust Estate 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 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 Servicer and any director, officer, employee or agent of the Depositor or the Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Depositor, the Servicer and any director, officer, employee or agent of the Depositor or the Servicer shall be indemnified by the Trust Estate 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 of the Depositor nor the Servicer shall be under any obligation to appear in, prosecute or defend any legal action which 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 Servicer may in its discretion undertake any such action which 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 and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Estate, and the Depositor and the Servicer shall be entitled to be reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit in the Servicer Custodial Account as provided by Section 3.11. Section 7.04 Depositor and Servicer Not to Resign. Subject to the provisions of Section 7.02, neither the Depositor nor the Servicer shall resign from its respective obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law. Any such determination permitting the resignation of the Depositor or the Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation by the Servicer shall become effective until the Trustee or a successor Servicer shall have assumed the Servicer's responsibilities and obligations in accordance with Section 8.05 hereof. ARTICLE VIII DEFAULT Section 8.01 Events of Default. If any one of the following events ("Events of Default") shall occur and be continuing: (a) any failure by the Servicer to deposit amounts in the Servicer Custodial Account in the amount and manner provided herein so as to enable the Trustee to distribute to Holders of Certificates any payment required to be made under the terms of such Certificates and this Agreement (other than the payments required to be made under Section 3.20) which continues unremedied for a period of five days; or (b) failure on the part of the Servicer duly to observe or perform in any material respect any other covenants or agreements of the Servicer set forth in the Certificates or in this Agreement, which covenants and agreements continue unremedied for a period of 30 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Servicer by the Trustee or the Depositor, or to the Servicer, the Depositor and the Trustee by the Holders of Certificates evidencing Voting Rights aggregating not less than 25% of all Certificates affected thereby; or (c) the entry of a decree or order by a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a conservator, receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings against the Servicer, or for the winding up or liquidation of the Servicer's affairs, and the continuance of any such decree or order unstayed and in effect for a period of 60 consecutive days; or (d) the consent by the Servicer 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 Servicer or of or relating to substantially all of its property; or the Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or (e) the failure of the Servicer to remit any Periodic Advance required to be remitted by the Servicer pursuant to Section 3.20 which failure continues unremedied at 3:00 p.m. on the related Distribution Date; then, and in each and every such case, so long as an Event of Default shall not have been remedied by the Servicer, either the Trustee or the Depositor may, and at the direction of the Holders of Certificates evidencing Voting Rights aggregating not less than 51% of all Certificates affected thereby shall, by notice then given in writing to the Servicer (and to the Trustee, if given by the Depositor, and to the Depositor, if given by the Trustee), terminate all of the rights and obligations of the Servicer under this Agreement. If an Event of Default described in clause (e) hereof shall occur, the Trustee shall, by notice to the Servicer, terminate all of the rights and obligations of the Servicer under this Agreement and in and to the Mortgage Loans and proceeds thereof and the Trustee or a successor Servicer appointed pursuant to Section 8.05 shall make the Advance which the Servicer failed to make. On or after the receipt by the Servicer of such written notice, all authority and power of the Servicer under this Agreement, whether with respect to the Certificates or the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and under this Section 8.01, unless and until such time as the Trustee shall appoint a successor Servicer pursuant to Section 8.05, and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement of the Mortgage Loans and related documents, or otherwise, including, without limitation, the recordation of the assignments of the Mortgage Loans to it. The Servicer agrees to cooperate with the Trustee in effecting the termination of the responsibilities and rights of the Servicer hereunder, including, without limitation, the transfer to the Trustee for the administration by it of all cash amounts that have been deposited by the Servicer in the Servicer Custodial Account or thereafter received by the Servicer with respect to the Mortgage Loans. Upon obtaining notice or knowledge of the occurrence of any Event of Default, the Person obtaining such notice or knowledge shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register and to each Rating Agency. All costs and expenses (including attorneys' fees) incurred in connection with transferring the Mortgage Files to the successor Servicer and amending this Agreement to reflect such succession as Servicer pursuant to this Section 8.01 shall be paid by the predecessor Servicer. Notwithstanding the termination of the Servicer pursuant hereto, the Servicer shall remain liable for any causes of action arising out of any Event of Default occurring prior to such termination. Section 8.02 Remedies of Trustee. During the continuance of any Event of Default, so long as such Event of Default shall not have been remedied, the Trustee, in addition to the rights specified in Section 8.01, shall have the right, in its own name as trustee of an express trust, to take all actions now or hereafter existing at law, in equity or by statute to enforce its rights and remedies and to protect the interests, and enforce the rights and remedies, of the Certificateholders (including the institution and prosecution of all judicial, administrative and other proceedings and the filing of proofs of claim and debt in connection therewith). Except as otherwise expressly provided in this Agreement, no remedy provided for by this Agreement shall be exclusive of any other remedy, and each and every remedy shall be cumulative and in addition to any other remedy and no delay or omission to exercise any right or remedy shall impair any such right or remedy or shall be deemed to be a waiver of any Event of Default. Section 8.03 Directions by Certificateholders and Duties of Trustee During Event of Default. During the continuance of any Event of Default, Holders of Certificates evidencing Voting Rights aggregating not less than 25% of each Class of Certificates affected thereby may direct 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; provided, however, that the Trustee shall be under no obligation to pursue any such remedy, or to exercise any of the trusts or powers vested in it by this Agreement (including, without limitation, (a) the conducting or defending of any administrative action or litigation hereunder or in relation hereto, and (b) the terminating of the Servicer or any successor Servicer from its rights and duties as servicer hereunder) at the request, order or direction of any of the Certificateholders, 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 and, provided further, that, subject to the provisions of Section 9.01, the Trustee shall have the right to decline to follow any such direction if the Trustee, based upon an Opinion of Counsel, determines that the action or proceeding so directed may not lawfully be taken or if the Trustee in good faith determines that the action or proceeding so directed would involve it in personal liability or be unjustly prejudicial to the non-assenting Certificateholders. Section 8.04 Action upon Certain Failures of the Servicer and upon Event of Default. In the event that the Trustee shall have actual knowledge of any failure of the Servicer specified in Section 8.01(a) or (b) which would become an Event of Default upon the Servicer's failure to remedy the same after notice, the Trustee shall give notice thereof to the Servicer. If the Trustee shall have knowledge of an Event of Default, the Trustee shall give prompt written notice thereof to the Certificateholders. Section 8.05 Trustee to Act; Appointment of Successor. (a) On and after the time the Servicer receives a notice of termination pursuant to Section 8.01, the Trustee shall be the successor in all respects to the Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Servicer by the terms and provisions hereof or shall appoint a successor pursuant to Section 3.07. Notwithstanding anything provided herein to the contrary, under no circumstances shall any provision of this Agreement be construed to require the Trustee, acting in its capacity as successor to the Servicer in its obligation to make Advances, to advance, expend or risk its own funds or otherwise incur any financial liability in the performance of its duties hereunder if it shall have reasonable grounds for believing that such funds are non-recoverable. Subject to Section 8.05(b), as compensation therefor, the Trustee shall be entitled to such compensation as the terminated Servicer would have been entitled to hereunder if no such notice of termination had been given. Notwithstanding the above, the Trustee may, if it shall be unwilling so to act, or shall, if it is legally unable so to act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution having a net worth of not less than $10,000,000 as the successor to the terminated Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Servicer hereunder; provided, however, that (i) any such institution appointed as successor Servicer shall not, as evidenced in writing by each Rating Agency, adversely affect the then current rating of any Class of Certificates immediately prior to the termination of the terminated Servicer. The appointment of a successor Servicer shall not affect any liability of the predecessor Servicer which may have arisen under this Agreement prior to its termination as Servicer, nor shall any successor Servicer be liable for any acts or omissions of the predecessor Servicer or for any breach by the Servicer of any of its representations or warranties contained herein or in any related document or agreement. Pending appointment of a successor to the terminated Servicer hereunder, unless the Trustee is prohibited by law from so acting, the Trustee shall act in such capacity as provided above. The Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. (b) In connection with the appointment of a successor Servicer or the assumption of the duties of the Servicer, as specified in Section 8.05(a), the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans serviced by the predecessor Servicer as it and such successor shall agree; provided, however, that any Person assuming the duties of the Servicer shall pay to such predecessor an amount equal to the market value of the portion of the Servicing Fee that will accrue in the future due to the Servicing Fee Rate exceeding 0.25% per annum with respect to any Mortgage Loan. The "market value" of such portion of the Servicing Fee shall be determined by Bank of America, N.A., on the basis of at least two quotations from third parties actively engaged in the servicing of single-family mortgage loans. If the successor Servicer does not agree that such market value is a fair price, such successor shall obtain two quotations of market value from third parties actively engaged in the servicing of single-family mortgage loans. The market value of the excess portion of the Servicing Fee will then be equal to the average of (i) the lowest figure obtained by Bank of America, N.A., and (ii) the highest figure obtained by the successor Servicer. Payment of the amount calculated above shall be made to Bank of America, N.A., by the successor Servicer no later than the last Business Day of the month in which such successor Servicer becomes entitled to receive the Servicing Fee under this Agreement. In no event will any portion of the Trust Estate be used to pay amounts due to Bank of America, N.A. under this Section 8.05(b). (c) Any successor, including the Trustee, to the Servicer as servicer shall during the term of its service as servicer maintain in force (i) a policy or policies of insurance covering errors and omissions in the performance of its obligations as servicer hereunder and (ii) a fidelity bond in respect of its officers, employees and agents to the same extent as the Servicer is so required pursuant to Section 3.03. Section 8.06 Notification to Certificateholders. Upon any termination or appointment of a successor to the Servicer pursuant to this Article VIII, the Trustee shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register and to each Rating Agency. ARTICLE IX THE TRUSTEE Section 9.01 Duties of Trustee. (a) The Trustee, prior to the occurrence of an Event of Default and after the curing or waiver 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 of which a Responsible Officer of the Trustee shall have actual knowledge (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 reasonably prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs. 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. (b) No provision of this Agreement shall be construed to relieve the Trustee from liability for its own grossly negligent action, its own grossly negligent failure to act or its own willful misfeasance; 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 Servicer and which on their face, do not contradict the requirements of this Agreement; (ii) The Trustee (in its individual capacity) 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 grossly negligent in ascertaining the pertinent facts; (iii) The Trustee (in its individual capacity) 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 Certificateholders as provided in Section 8.03; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (a) and (b) of Section 8.01 or an Event of Default under clauses (c), (d) and (e) of Section 8.01 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 any officer of the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Servicer, the Depositor or any Certificateholder; and (v) Except to the extent provided in Section 8.05, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance as successor Servicer) 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. Section 9.02 Certain Matters Affecting the Trustee. Except as otherwise provided in Section 9.01: (i) The Trustee may request and rely upon and shall be protected in acting or refraining from acting upon any resolution, Officer's Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; (ii) The Trustee may consult with counsel and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel; (iii) The Trustee shall be under no obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured or waived), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs; (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 or waiving 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 Holders or Certificate or 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 or payment of such estimated expenses as a condition to so proceeding; and (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. Section 9.03 Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the execution of, and the counter-signature on the Certificates) shall be taken as the statements of the Depositor or Servicer, as applicable, 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 or any Mortgage Loans save that the Trustee represents that, assuming due execution and delivery by the other parties hereto, this Agreement has been duly authorized, executed and delivered by it and constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms, subject, as to enforcement of remedies, to applicable insolvency, receivership, moratorium and other laws affecting the rights of creditors generally, and to general principles of equity and the discretion of the court (regardless of whether enforcement of such remedies is considered in a proceeding in equity or at law). The Trustee shall not be accountable for the use or application by the Depositor of funds paid to the Depositor in consideration of the assignment of the Mortgage Loans hereunder by the Depositor, or for the use or application of any funds paid to Subservicers or the Servicer in respect of the Mortgage Loans or deposited into the Servicer Custodial Account, or any other account hereunder (other than the Certificate Account) by the Servicer. The Trustee shall at no time have any responsibility or liability for or with respect to the legality, validity and enforceability of any Mortgage or any Mortgage Loan, or the perfection and priority of any Mortgage or the maintenance of any such perfection and priority or for or with respect to the sufficiency of the Trust or its ability to generate the payments to be distributed to Certificateholders under this Agreement, including, without limitation: the existence, condition and ownership of any Mortgaged Property; the existence and enforceability of any hazard insurance thereon (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the successor Servicer); the validity of the assignment of any Mortgage Loan to the Trustee or of any intervening assignment; the completeness of any Mortgage Loan; the performance or enforcement of any Mortgage Loan (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer); the compliance by the Depositor or the Servicer with any warranty or representation made under this Agreement or in any related document or the accuracy of any such warranty or representation; any investment of monies by or at the direction of the Servicer or any loss resulting therefrom, it being understood that the Trustee shall remain responsible for any Trust property that it may hold in its individual capacity; the acts or omissions of any of the Depositor, the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer), any Subservicer or any Mortgagor; any action of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer) or any Subservicer taken in the name of the Trustee; the failure of the Servicer or any Subservicer to act or perform any duties required of it as agent of the Trustee hereunder; or any action by the Trustee taken at the instruction of the Servicer (other than if the Trustee shall assume the duties of the Servicer pursuant to Section 8.05 and thereupon only for the acts or omissions of the Trustee as successor Servicer); provided, however, that the foregoing shall not relieve the Trustee of its obligation to perform its duties under this Agreement, including, without limitation, the Trustee's review of the Mortgage Files pursuant to Section 2.02. The Trustee shall file any financing or continuation statement in any public office at any time required to maintain the perfection of any security interest or lien granted to it hereunder. Section 9.04 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 and may otherwise deal with the Servicer, any Subservicer or any of their respective affiliates with the same right it would have if it were not the Trustee. Section 9.05 Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be (a) an institution the deposits of which are fully insured by the FDIC and (b) a corporation or banking association organized and doing business under the laws of the United States of America or of any State, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of not less than $50,000,000 and subject to supervision or examination by Federal or State authority and (c) with respect to every successor trustee hereunder either an institution (i) the long-term unsecured debt obligations of which are rated at least "A" by Fitch and S and P or (ii) whose serving as Trustee hereunder would not result in the lowering of the ratings originally assigned to any Class of Certificates. The Trustee shall not be an affiliate of the Depositor or the Servicer. If such corporation or 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 9.05, the combined capital and surplus of such corporation or banking association 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 provision of this Section 9.05, the Trustee shall resign immediately in the manner and with the effect specified in Section 9.06. Section 9.06 Resignation and Removal of Trustee. The Trustee may at any time resign and be discharged from the trust hereby created by giving written notice thereof to the Servicer and mailing a copy of such notice to all Holders of record. The Trustee shall also mail a copy of such notice of resignation to each Rating Agency. Upon receiving such notice of resignation, the Servicer shall use their best efforts to promptly appoint a mutually acceptable 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 shall have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor Trustee. If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 9.05 and shall fail to resign after written request therefor by the Servicer, or if at any time the Trustee shall become incapable of acting, or shall be adjudged a 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 Servicer 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. The Holders of Certificates evidencing not less than 50% of the Voting Rights may at any time remove the Trustee by written instrument or instruments delivered to the Servicer and the Trustee; the Servicer shall thereupon use their best efforts to appoint a mutually acceptable successor Trustee in accordance with this Section 9.06. Any resignation or removal of the Trustee and appointment of a successor Trustee pursuant to any of the provisions of this Section 9.06 shall become effective upon acceptance of appointment by the successor Trustee as provided in Section 9.07. Section 9.07 Successor Trustee. Any successor Trustee appointed as provided in Section 9.06 shall execute, acknowledge and deliver to the Servicer 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, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with like effect as if originally named as Trustee herein. The predecessor Trustee shall duly assign, transfer, deliver and pay over to the successor Trustee the whole of the Mortgage Files and related documents and statements held by it hereunder, together with all instruments of transfer and assignment or other documents properly executed as may be reasonably required to effect such transfer and such of the records or copies thereof maintained by the predecessor Trustee in the administration hereof as may be reasonably requested by the successor Trustee and shall thereupon be discharged from all duties and responsibilities under this Agreement; provided, however, that if the predecessor Trustee has been terminated pursuant to the third paragraph of Section 9.06, all reasonable expenses of the predecessor Trustee incurred in complying with this Section 9.07 shall be reimbursed by the Trust. No successor Trustee shall accept appointment as provided in this Section 9.07 unless at the time of such appointment such successor Trustee shall be eligible under the provisions of Section 9.05. Upon acceptance of appointment by a successor Trustee as provided in this Section 9.07, the Servicer shall cooperate to mail notice of the succession of such Trustee hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register and to each Rating Agency. If the Servicer fail to mail such notice within ten days after acceptance of appointment by the successor Trustee, the successor Trustee shall cause such notice to be mailed at the expense of the Servicer. Section 9.08 Merger or Consolidation of Trustee. Any corporation or banking association into which the Trustee may be merged or converted or with which it may be consolidated, or any corporation or banking association resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation or banking association succeeding to all or substantially all of the corporate trust business of the Trustee, shall be the successor of the Trustee hereunder, if such corporation or banking association is eligible under the provisions of Section 9.05, 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. Section 9.09 Appointment of Co-Trustee or Separate Trustee. Notwithstanding any of the provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any Mortgaged Property may at the time be located or for any other reason, the 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 as co-trustee or separate trustee of all or any part of the Trust Estate, and to vest in such Person or Persons, in such capacity, such title to the Trust Estate, or any part thereof, and, subject to the other provision of this Section 9.09, such powers, duties, obligations, rights and trusts as the Servicer and the Trustee may consider necessary or desirable. If the Servicer shall not have joined in such appointment within ten days after the receipt by it of a request to do so, 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 9.05 and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under Section 9.07. In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 9.09, 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 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 Estate 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. No trustee hereunder shall be held personally liable by reason of any act or omission of any other trustee hereunder; provided, however, that no appointment of a co-trustee or separate trustee hereunder shall relieve the Trustee of its obligations hereunder. 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 IX. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the 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. 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 become incapable of acting, resign or be removed, or shall be adjudged a bankrupt or insolvent, or a receiver of its property shall be appointed, or any public officer shall take charge or control of such trustee or co-trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, 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 9.10 Authenticating Agents. The Trustee may appoint one or more authenticating agents ("Authenticating Agents") which shall be authorized to act on behalf of the Trustee in authenticating or countersigning Certificates. Initially, the Authenticating Agent shall be The Bank of New York. Wherever reference is made in this Agreement to the authentication or countersigning of Certificates by the Trustee or the Trustee's certificate of authentication or countersigning, such reference shall be deemed to include authentication or countersigning on behalf of the Trustee by an Authenticating Agent and a certificate of authentication or countersignature executed on behalf of the Trustee by an Authenticating Agent. Each Authenticating Agent must be acceptable to the Servicer and must be a corporation or banking association organized and doing business under the laws of the United States of America or of any State, having a principal office and place of business in New York, New York, having a combined capital and surplus of at least $15,000,000, authorized under such laws to do a trust business and subject to supervision or examination by Federal or State authorities. Any corporation or banking association into which any Authenticating Agent may be merged or converted or with which it may be consolidated, or any corporation or banking association resulting from any merger, conversion or consolidation to which any Authenticating Agent shall be a party, or any corporation or banking association succeeding to the corporate agency business of any Authenticating Agent, shall continue to be the Authenticating Agent without the execution or filing of any paper or any further act on the part of the Trustee or the Authenticating Agent. Any Authenticating Agent may at any time resign by giving written notice of resignation to the Trustee and to the Servicer. The Trustee may at any time terminate the agency of any Authenticating Agent by giving written notice of termination to such Authenticating Agent and to the Servicer. Upon receiving a notice of resignation or upon such a termination, or in case, at any time any Authenticating Agent shall cease to be eligible in accordance with the provisions of this Section 9.10, the Trustee may appoint a successor Authenticating Agent, shall give written notice of such appointment to the Servicer and shall mail notice of such appointment to all Certificateholders. Any successor Authenticating Agent upon acceptance of its appointment hereunder shall become vested with all the rights, powers, duties and responsibilities of its predecessor hereunder, with like effect as if originally named as Authenticating Agent. Section 9.11 Trustee's Fees and Expenses. The Trustee, as compensation for its activities hereunder, shall be entitled to receive on each Distribution Date an amount equal to the Trustee Fee for such Distribution Date pursuant to Section 5.02(a). The Trustee and any director, officer, employee or agent of the Trustee shall be indemnified by the Trust and held harmless against any loss, liability or expense (including reasonable attorney's fees) (a) incurred in connection with any claim or legal action relating to (i) this Agreement, (ii) the Certificates, or (iii) the performance of any of the Trustee's duties hereunder, other than any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of any of the Trustee's duties hereunder, (b) resulting from any tax or information return which was prepared by, or should have been prepared by, the Servicer and (c) arising out of the transfer of any Private Certificate not in compliance with ERISA. Such indemnity shall survive the termination of this Agreement or the resignation or removal of the Trustee hereunder. Without limiting the foregoing, except as otherwise agreed upon in writing by the Depositor and the Trustee, and except for any such expense, disbursement or advance as may arise from the Trustee's gross negligence, bad faith or willful misconduct, the Trust shall reimburse the Trustee for all reasonable expenses, disbursements and advances incurred or made by the Trustee in accordance with any of the provisions of this Agreement to the extent permitted by Treasury Regulations Section 1.860G-1(b)(3)(ii) and (iii); provided, however, that the Depositor and the Trustee intend to enter into a separate agreement for custody-related services. Except as otherwise provided herein, the Trustee shall not be entitled to payment or reimbursement for any routine ongoing expenses incurred by the Trustee in the ordinary course of its duties as Trustee, Certificate Registrar or Paying Agent hereunder or for any other expenses. Section 9.12 Appointment of Custodian. The Trustee may at any time on or after the Closing Date, with the consent of the Depositor and the Servicer, appoint one or more Custodians to hold all or a portion of the Mortgage Files as agent for the Trustee, by entering into a custodial agreement in a form acceptable to the Depositor and the Servicer. Subject to this Article IX, 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 $10,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. Section 9.13 Paying Agents. The Trustee may appoint one or more Paying Agents (each, a "Paying Agent") which shall be authorized to act on behalf of the Trustee in making withdrawals from the Certificate Account and distributions to Certificateholders as provided in Section 3.08 and Section 5.02. Wherever reference is made in this Agreement to the withdrawal from the Certificate Account by the Trustee, such reference shall be deemed to include such a withdrawal on behalf of the Trustee by a Paying Agent. Initially, the Paying Agent shall be The Bank of New York. Whenever reference is made in this Agreement to a distribution by the Trustee or the furnishing of a statement to Certificateholders by the Trustee, such reference shall be deemed to include such a distribution or furnishing on behalf of the Trustee by a Paying Agent. Each Paying Agent shall provide to the Trustee such information concerning the Certificate Account as the Trustee shall request from time to time. Each Paying Agent must be reasonably acceptable to the Servicer and must be a corporation or banking association organized and doing business under the laws of the United States of America or of any state, having (except in the case of the Trustee) a principal office and place of business in New York, New York, having a combined capital and surplus of at least $15,000,000, authorized under such laws to do a trust business and subject to supervision or examination by federal or state authorities. Any corporation into which any Paying Agent may be merged or converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which any Paying Agent shall be a party, or any corporation succeeding to the corporate agency business of any Paying Agent, shall continue to be the Paying Agent provided that such corporation after the consummation of such merger, conversion, consolidation or succession meets the eligibility requirements of this Section 9.13. Any Paying Agent may at any time resign by giving written notice of resignation to the Trustee and to the Servicer; provided that the Paying Agent has returned to the Certificate Account or otherwise accounted, to the reasonable satisfaction of the Trustee, for all amounts it has withdrawn from the Certificate Account. The Trustee may, upon prior written approval of the Servicer, at any time terminate the agency of any Paying Agent by giving written notice of termination to such Paying Agent and to the Servicer. Upon receiving a notice of resignation or upon such a termination, or in case at any time any Paying Agent shall cease to be eligible in accordance with the provisions of the first paragraph of this Section 9.13, the Trustee may appoint, upon prior written approval of the Servicer, a successor Paying Agent, shall give written notice of such appointment to the Servicer and shall mail notice of such appointment to all Certificateholders. Any successor Paying Agent upon acceptance of its appointment hereunder shall become vested with all rights, powers, duties and responsibilities of its predecessor hereunder, with like effect as if originally named as Paying Agent. The Trustee shall remain liable for any duties and obligations assumed by its appointed Paying Agent. Section 9.14 Limitation of Liability. The Certificates are executed by the Trustee, not in its individual capacity but solely as Trustee of the Trust, in the exercise of the powers and authority conferred and vested in it by this Agreement. Each of the undertakings and agreements made on the part of the Trustee in the Certificates is made and intended not as a personal undertaking or agreement by the Trustee but is made and intended for the purpose of binding only the Trust. Section 9.15 Trustee May Enforce Claims Without Possession of Certificates. All rights of action and claims under this Agreement or the Certificates may be prosecuted and enforced by the Trustee without the possession of any of the Certificates or the production thereof in any proceeding relating thereto, and such preceding instituted by the Trustee shall be brought in its own name or in its capacity as Trustee. Any recovery of judgment shall, after provision for the payment of the reasonable compensation, expenses, disbursement and advances of the Trustee, its agents and counsel, be for the ratable benefit of the Certificateholders in respect of which such judgment has been recovered. Section 9.16 Suits for Enforcement. In case an Event of Default or other default by the Servicer or the Depositor hereunder shall occur and be continuing, the Trustee, in its discretion, may proceed to protect and enforce its rights and the rights of the Holders of Certificates under this Agreement by a suit, action or proceeding in equity or at law or otherwise, whether for the specific performance of any covenant or agreement contained in this Agreement or in aid of the execution of any power granted in this Agreement or for the enforcement of any other legal, equitable or other remedy, as the Trustee, being advised by counsel, shall deem most effectual to protect and enforce any of the rights of the Trustee and the Certificateholders. Section 9.17 Waiver of Bond Requirement. The Trustee shall be relieved of, and each Certificateholder hereby waives, any requirement of any jurisdiction in which the Trust, or any part thereof, may be located that the Trustee post a bond or other surety with any court, agency or body whatsoever. Section 9.18 Waiver of Inventory, Accounting and Appraisal Requirement. The Trustee shall be relieved of, and each Certificateholder hereby waives, any requirement of any jurisdiction in which the Trust, or any part thereof, may be located that the Trustee file any inventory, accounting or appraisal of the Trust with any court, agency or body at any time or in any manner whatsoever. ARTICLE X TERMINATION Section 10.01 Termination upon Purchase by the Depositor or Liquidation of All Mortgage Loans. Subject to Section 10.02, the respective obligations and responsibilities of the Depositor, the Servicer and the Trustee created hereby (other than the obligation of Trustee to make certain payments to Certificateholders after the Final Distribution Date and to send certain notices as hereinafter set forth and the obligations of the Trustee pursuant to Sections 5.04(b) and 5.05(b)) shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to this Article X following the earlier of (a) the purchase by the Depositor of all Mortgage Loans and all REO Property remaining in the Trust Estate at a price equal to the sum of (i) 100% of the Stated Principal Balance of each Mortgage Loan (other than any Mortgage Loan as to which REO Property has been acquired and whose fair market value is included pursuant to clause (ii) below) and (ii) the fair market value of such REO Property (as determined by the Depositor as of the close of business on the third Business Day next preceding the date upon which notice of any such termination is furnished to Certificateholders pursuant to the third paragraph of this Article X), plus any Class Unpaid Interest Shortfall for any Class of Certificates as well as one month's interest at the related Mortgage Rate on the Stated Principal Balance of each Mortgage Loan (including any Mortgage Loan as to which REO Property has been acquired) or (b) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan remaining in the Trust Estate or the disposition of all REO Property; 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. The right of the Depositor to repurchase all Mortgage Loans pursuant to (a) above is conditioned upon the Pool Stated Principal Balance as of the Final Distribution Date being less than 10% of the Cut-Off Date Pool Principal Balance. If such right is exercised, the Trustee shall, promptly following payment of the purchase price, release to the Depositor or its designee the Mortgage Files pertaining to the Mortgage Loans being purchased. Notice of any termination, specifying the 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 for cancellation, shall be given promptly by the Depositor (if exercising its right to purchase the assets of the Trust) 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 (1) the Final Distribution Date upon which final payment of the Certificates will be made upon presentation and surrender of Certificates at the office or agency of the Trustee therein designated, (2) the amount of any such final payment and (3) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Depositor is obligated to give notice to Certificateholders as aforesaid, it shall give such notice to the Trustee and the Certificate Registrar at the time such notice is given to Certificateholders. In the event such notice is given by the Depositor, the Depositor shall deposit in the Certificate Account on or before the Final Distribution Date in immediately available funds an amount equal to the amount necessary to make the amount, if any, on deposit in the Certificate Account on the Final Distribution Date equal to the purchase price for the related assets of the Trust computed as above provided together with a statement as to the amount to be distributed on each Class of Certificates pursuant to the next succeeding paragraph. Upon presentation and surrender of the Certificates, the Trustee shall cause to be distributed to Certificateholders of each Class, in the order set forth in Section 5.02 hereof, on the final Distribution Date and in proportion to their respective Percentage Interests, with respect to Certificateholders of the same Class, an amount equal to (I) as to each Class of Certificates, the Class Certificate Balance thereof plus accrued interest thereon in the case of an interest bearing Certificate, and (II) as to the Class A-R and A-LR Certificates, the amounts, if any, which remain on deposit in the Upper-Tier Certificate Account and the Certificate Account, respectively (other than the amounts retained to meet claims) after application pursuant to clause (I) above. An amount shall be distributed in respect of interest and principal to the Uncertificated Lower-Tier Interests in the same amounts as distributed to their Corresponding Upper-Tier Class. If all of the Certificateholders do not surrender their Certificates for final payment and cancellation on or before the Final Distribution Date, the Trustee shall on such date cause all funds in the Certificate Account not distributed in final distribution to Certificateholders to continue to be held by the Trustee in an Eligible Account for the benefit of such Certificateholders and the Depositor (if it exercised its right to purchase the assets of the Trust Estate) 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 one year after the second notice all the Certificates shall not have been surrendered for cancellation, the Trustee may take appropriate steps, or may appoint an agent to take appropriate steps, to contact the remaining Certificateholders concerning surrender of their Certificates, and the cost thereof shall be paid out of the funds on deposit in such Eligible Account. Section 10.02 Additional Termination Requirements. (a) If the Depositor exercises its purchase option as provided in Section 10.01, the Trust shall be terminated in accordance with the following additional requirements, unless the Trustee has received an Opinion of Counsel to the effect that the failure of the Trust to comply with the requirements of this Section 10.02 will not (i) result in the imposition of taxes on "prohibited transactions" of the Trust as defined in Section 860F of the Code, or (ii) cause the Trust Estate to fail to qualify as two separate REMICs at any time that any Certificates are outstanding: (i) within 90 days prior to the Final Distribution Date set forth in the notice given by the Depositor under Section 10.01, the Trustee shall sell all of the assets of the Trust Estate to the Depositor for cash; and (ii) the notice given by the Depositor or the Trustee pursuant to Section 10.01 shall provide that such notice constitutes the adopting of a plan of complete liquidation of the Upper-Tier REMIC and the Lower-Tier REMIC as of the date of such notice (or, if earlier, the date on which such notice was mailed to Certificateholders). The Trustee shall also specify such date in the final tax return of the Upper-Tier REMIC and the Lower-Tier REMIC. (b) By their acceptance of the Residual Certificates, the Holders thereof hereby agree to take such other action in connection with such plan of complete liquidation as may be reasonably requested by the Depositor. ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01 Amendment. This Agreement may be amended from time to time by the Depositor, the Servicer and the Trustee without the consent of any of the Certificateholders, (i) to cure any ambiguity or mistake, (ii) to correct or supplement any provisions herein or therein which may be inconsistent with any other provisions of this Agreement, any amendment to this Agreement or the related Prospectus Supplement, (iii) to modify, eliminate or add to any of its provisions to such extent as shall be necessary to maintain the qualification of the Upper-Tier REMIC and the Lower-Tier REMIC as REMICs at all times that any Certificates are outstanding or to avoid or minimize the risk of the imposition of any tax on either REMIC pursuant to the Code that would be a claim against the Trust Estate, provided that (a) the Trustee has received an Opinion of Counsel to the effect that 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 shall not, as evidenced by such Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder, (iv) to change the timing and/or nature of deposits into the Certificate Account provided that (a) such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and (b) such change shall not adversely affect the then-current rating of the Senior Certificates, the Class B-1 Certificates, the Class B-2 Certificates, the Class B-3 Certificates, the Class B-4 Certificates or the Class B-5 Certificates as evidenced by a letter from each Rating Agency rating such Certificates to such effect, (v) to reduce the percentage of the Cut-Off Date Pool Principal Balance at which the Depositor will have the option to purchase all the remaining Mortgage Loans in accordance with Section 10.01, provided that such reduction is considered necessary by the Depositor, as evidenced by an Officer's Certificate delivered to the Trustee, to preserve the treatment of the transfer of the Mortgage Loans to the Depositor by the Seller or to the Trust by the Depositor as sale for accounting purposes, and (vi) to make any other provisions with respect to matters or questions arising under this Agreement which shall not be materially inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder, provided that the amendment shall not be deemed to adversely affect in any material respect the interests of the Certificateholders and no Opinion of Counsel to that effect shall be required if the Person requesting the amendment obtains a letter from each Rating Agency stating that the amendment would not result in the downgrading or withdrawal of the respective ratings then assigned to the Certificates. This Agreement may also be amended from time to time by the Depositor, the Servicer and the Trustee, with the consent of the Holders of Certificates of each Class of Certificates which is affected by such amendment, evidencing, as to each such Class of Certificates, Percentage Interests aggregating not less than 66-2/3%, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or of modifying in any manner the rights of the Holders of such Certificates; provided, however, that no such amendment shall (A) reduce in any manner the amount of, or delay the timing of, collections of payments on Mortgage Loans or distributions which are required to be made on any Certificate without the consent of the Holder of such Certificate or (B) reduce the aforesaid percentage required to consent to any such amendment, without the consent of the Holders of all Certificates then Outstanding. Prior to the solicitation of consent of Certificateholders in connection with any such amendment, the party seeking such amendment shall furnish the Trustee with an Opinion of Counsel stating whether such amendment would adversely affect the qualification of the Upper-Tier REMIC or the Lower-Tier REMIC as REMICs and notice of the conclusion expressed in such Opinion of Counsel shall be included with any such solicitation. An amendment made with the consent of all Certificateholders and executed in accordance with this Section 11.01 shall be permitted or authorized by this Agreement notwithstanding that such Opinion of Counsel may conclude that such amendment would adversely affect the qualification of the Upper-Tier REMIC or the Lower-Tier REMIC as REMICs. Promptly after the execution of any such amendment or consent the Trustee shall furnish written notification of the substance of or a copy of such amendment to each Certificateholder and to each Rating Agency. 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 requirements as the Trustee may prescribe. Section 11.02 Recordation of Agreement. 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 Servicer and at its expense on direction by the Trustee, who will act at the direction of Holders of Certificates evidencing not less than 50% of all Voting Rights, but only upon direction of the Trustee accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of 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. Section 11.03 Limitation on Rights of Certificateholders. The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or to take any action or commence any proceeding in any court for a partition or winding up of the Trust, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them. No Certificateholder shall have any right to vote (except as provided herein) or in any manner otherwise control the operation and management of the Trust, 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. No Certificateholder shall have any right by virtue or by availing itself of any provisions 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 provided herein, and unless also the Holders of Certificates evidencing Percentage Interests aggregating not less than 25% of each Class of Certificates affected thereby 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, and the Trustee, 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 shall have any right in any manner whatever by virtue or by availing itself or themselves of any provisions of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of the Certificates, 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 equal, ratable and common benefit of all Certificateholders. 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 SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT APPLICATION OF THE CONFLICTS OF LAWS PROVISIONS THEREOF, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 11.05 Notices. All demands, notices, instructions, directions, requests, and communications required to be delivered hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by certified mail, return receipt requested, (provided, however, that notices to the Trustee may be delivered by facsimile and shall be deemed effective upon receipt) to (a) in the case of the Depositor, Bank of America Mortgage Securities, Inc., 101 South Tryon Street, Charlotte, North Carolina 28255, Attention: General Counsel and Chief Financial Officer, (b) in the case of the Servicer, Bank of America, N.A., 101 East Main Street, Suite 400, Louisville, Kentucky 40202, Attention: Servicing Manager, with a copy to: Bank of America, N.A. 101 South Tryon Street, Charlotte, North Carolina, 28255, Attention: General Counsel and Chief Financial Officer, (c) in the case of the Trustee, 101 Barclay Street - 12 East, New York, New York 10286, Attention: Corporate Trust - MBS Group (Fax: (212) 815-5309), (d) in the case of Fitch, Fitch, Inc., One State Street Plaza, New York, New York 10004, Attn: Residential Mortgage Surveillance Group; and (e) in the case of S and P, Standard and Poor's, a division of The McGraw-Hill Companies, Inc., 55 Water Street, New York, New York 10041, Attn: Mortgage Surveillance Group; or, as to each party, at such other address as shall be designated by such party in a written notice to each other party. 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 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 11.07 Certificates Nonassessable and Fully Paid. It is the intention of the Trustee that Certificateholders shall not be personally liable for obligations of the Trust Estate, that the beneficial ownership interests represented by the Certificates shall be nonassessable for any losses or expenses of the Trust Estate or for any reason whatsoever, and that Certificates upon execution, countersignature and delivery thereof by the Trustee pursuant to Section 6.01 are and shall be deemed fully paid. Section 11.08 Access to List of Certificateholders. The Certificate Registrar will furnish or cause to be furnished to the Trustee, within 15 days after the receipt of a request by the Trustee in writing, a list, in such form as the Trustee may reasonably require, of the names and addresses of the Certificateholders as of the most recent Record Date for payment of distributions to Certificateholders. If three or more Certificateholders apply in writing to the Trustee, and such application states that the applicants desire to communicate with other Certificateholders with respect to their rights under this Agreement or under the Certificates and is accompanied by a copy of the communication which such applicants propose to transmit, then the Trustee shall, within five Business Days after the receipt of such application, afford such applicants access during normal business hours to the most recent list of Certificateholders held by the Trustee. If such a list is as of a date more than 90 days prior to the date of receipt of such applicants' request, the Trustee shall promptly request from the Certificate Registrar a current list as provided above, and shall afford such applicants access to such list promptly upon receipt. Every Certificateholder, by receiving and holding such list, agrees with the Certificate Registrar and the Trustee that neither the Certificate Registrar nor the Trustee shall be held accountable by reason of the disclosure of any such information as to the names and addresses of the Certificateholders hereunder, regardless of the source from which such information was derived. Section 11.09 Recharacterization. The parties to this Agreement intend the conveyance by the Depositor to the Trustee of all of its right, title and interest in and to the Mortgage Loans pursuant to this Agreement to constitute a purchase and sale and not a loan. Notwithstanding the foregoing, to the extent that such conveyance is held not to constitute a sale under applicable law, it is intended that this Agreement shall constitute a security agreement under applicable law and that the Depositor shall be deemed to have granted to the Trustee a first priority security interest in all of the Depositor's right, title and interest in and to the Mortgage Loans. IN WITNESS WHEREOF, the Depositor, the Servicer and the Trustee have caused this Agreement to be duly executed by their respective officers thereunto duly authorized to be hereunto affixed, all as of the day and year first above written. BANK OF AMERICA MORTGAGE SECURITIES, INC., as Depositor By: ----------------------------------------- Name: Judy Ford Title: Vice President BANK OF AMERICA, N.A., as Servicer By: ----------------------------------------- Name: Robert J. DeBenedet Title: Senior Vice President THE BANK OF NEW YORK, as Trustee By: ----------------------------------------- Name: Title: STATE OF NEW YORK ) ) ss.: COUNTY OF NEW YORK ) On the 28th day of August, 2001, before me, a notary public in and for the State of New York, personally appeared _________________, known to me who, being by me duly sworn, did depose and say that s/he is a ________________ of The Bank of New York, a New York banking corporation, one of the parties that executed the foregoing instrument; and that s/he signed his/her name thereto by order of the Board of Directors of such corporation. ----------------------------------------- Notary Public [Notarial Seal] My commission expires ____________. STATE OF NORTH CAROLINA ) ) ss.: COUNTY OF MECKLENBURG ) On the 28th day of August, 2001, before me, a notary public in and for the State of North Carolina, personally appeared Judy Ford, known to me who, being by me duly sworn, did depose and say that she is the Vice President of Bank of America Mortgage Securities, Inc. a Delaware corporation, one of the parties that executed the foregoing instrument; and that she signed her name thereto by order of the Board of Directors of such corporation. ----------------------------------------- Notary Public [Notarial Seal] My commission expires ____________. STATE OF NORTH CAROLINA ) ) ss.: COUNTY OF MECKLENBURG ) On the 28th day of August, 2001, before me, a notary public in and for the State of North Carolina, personally appeared Robert J. DeBenedet, known to me who, being by me duly sworn, did depose and say that he is the Senior Vice President of Bank of America, N.A., a national banking association, one of the parties that executed the foregoing instrument; and that he signed her name thereto by order of the Board of Directors of such corporation. ----------------------------------------- Notary Public [Notarial Seal] My commission expires ____________. EXHIBIT A-1 [FORM OF FACE OF CLASS A-1 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-1 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-1 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $137,709,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2P 6 This certifies that _____________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 4.713% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-2 [FORM OF FACE OF CLASS A-2 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-2 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-2 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $91,371,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2Q 4 This certifies that _____________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 5.624% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-3 [FORM OF FACE OF CLASS A-3 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-3 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-3 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $129,928,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2R 2 This certifies that _____________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 5.847% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-4 [FORM OF FACE OF CLASS A-4 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-4 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-4 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $25,000,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2S 0 This certifies that _____________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 5.706% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-5 [FORM OF FACE OF CLASS A-5 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-5 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-5 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $100,000,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2T 8 This certifies that _____________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 5.839% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-IO [FORM OF FACE OF CLASS A-IO CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-IO [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-IO evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Notional Amount of this Certificate ("Denomination"): $ Initial Notional Amount of this Class: $500,267,003.00 Pass-Through Rate: Variable CUSIP No.: 060506 2U 5 This certifies that ______________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Notional Amount of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Class A-IO Certificates at a per annum rate equal to the difference between the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date) and the weighted average of the Pass-Through Rates on the Certificates (other than the Class A-IO Certificates) as of such Distribution Date. For each Distribution Date occurring after the Distribution Date in April 2006, the Pass-Through Rate on this Class A-IO Certificates will be zero. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-R [FORM OF FACE OF CLASS A-R CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-R 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, AS AMENDED (THE "CODE"). THIS CLASS A-R CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF OR INVESTING ASSETS OF A PLAN. TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN THE PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-R evidencing a 100% Percentage Interest in the distributions allocable to the Certificate of the above-referenced Class with respect to a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $50.00 Initial Class Certificate Balance of this Class: $50.00 Pass-Through Rate: Variable CUSIP No.: 060506 2V 3 This certifies that _____________________ is the registered owner of 100% Percentage Interest evidenced by this Certificate in certain monthly distributions with respect to a Trust consisting of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For the first Distribution Date, interest will accrue on this Certificate at the rate of 6.3000512688% per annum. For each Distribution Date after the first Distribution Date, interest will accrue on this Certificate at a per annum rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Any distribution of the proceeds of any remaining assets of the Certificate Account will be made only upon presentment and surrender of this Class A-R Certificate at the Corporate Trust Office. Each Person who has or who acquires this Class A-R Certificate shall be deemed by the acceptance or acquisition thereof to have agreed to be bound by the following provisions and the rights of each Person acquiring this Class A-R Certificate are expressly subject to the following provisions: (i) each Person holding or acquiring this Class A-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; (ii) no Person shall acquire an ownership interest in this Class A-R Certificate unless such ownership interest is a pro rata undivided interest; (iii) in connection with any proposed transfer of this Class A-R Certificate, the Trustee shall require delivery to it, in form and substance satisfactory to it, of an affidavit in the form of Exhibit I to the Pooling and Servicing Agreement; (iv) notwithstanding the delivery of an affidavit by a proposed transferee under clause (iii) above, if a Responsible Officer of the Trustee has actual knowledge that the proposed transferee is not a Permitted Transferee, no transfer of any Ownership Interest in this Residual Certificate to such proposed transferee shall be effected; (v) this Residual Certificate may not be purchased by or transferred to any Person that is not a U.S. Person, unless (A) such Person holds this Residual Certificate in connection with the conduct of a trade or business within the United States and furnishes the transferor and the Trustee with an effective Internal Revenue Service Form 4224 (or any successor thereto) or (B) the transferee delivers to both the transferor and the Trustee an Opinion of Counsel from a nationally-recognized tax counsel to the effect that such transfer is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of this Residual Certificate will not be disregarded for federal income tax purposes; (vi) any attempted or purported transfer of this Class A-R Certificate in violation of the provisions of such restrictions shall be absolutely null and void and shall vest no rights in the purported transferee; and (vii) if any Person other than a Permitted Transferee acquires the Class A-R Certificate in violation of such restrictions, then the Trustee, based on information provided to the Trustee by the Servicer, will provide to the Internal Revenue Service, and to the Persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e) of the Code on transfers of residual interests to disqualified organizations. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT A-LR [FORM OF FACE OF CLASS A-LR CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-LR 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, AS AMENDED (THE "CODE"). THIS CLASS A-LR CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR A PERSON ACTING ON BEHALF OF OR INVESTING ASSETS OF A PLAN. TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN TAX RELATED TRANSFER RESTRICTIONS DESCRIBED HEREIN AND IN THE POOLING AND SERVICING AGREEMENT. ANY ATTEMPTED OR PURPORTED TRANSFER OF THIS RESIDUAL CERTIFICATE IN VIOLATION OF SUCH RESTRICTIONS SHALL BE ABSOLUTELY NULL AND VOID AND SHALL VEST NO RIGHTS IN THE PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class A-LR evidencing a 100% Percentage Interest in the distributions allocable to the Certificate of the above-referenced Class with respect to a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $50.00 Initial Class Certificate Balance of this Class: $50.00 Pass-Through Rate: Variable CUSIP No.: 060506 2W 1 This certifies that _____________________ is the registered owner of 100% Percentage Interest evidenced by this Certificate in certain monthly distributions with respect to a Trust consisting of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For the first Distribution Date, interest will accrue on this Certificate at the rate of 6.3000512688% per annum. For each Distribution Date after the first Distribution Date, interest will accrue on this Certificate at a per annum rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Any distribution of the proceeds of any remaining assets of the Certificate Account will be made only upon presentment and surrender of this Class A-LR Certificate at the Corporate Trust Office. Each Person who has or who acquires this Class A-LR Certificate shall be deemed by the acceptance or acquisition thereof to have agreed to be bound by the following provisions and the rights of each Person acquiring this Class A-LR Certificate are expressly subject to the following provisions: (i) each Person holding or acquiring this Class A-LR 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; (ii) no Person shall acquire an ownership interest in this Class A-LR Certificate unless such ownership interest is a pro rata undivided interest; (iii) in connection with any proposed transfer of this Class A-LR Certificate, the Trustee shall require delivery to it, in form and substance satisfactory to it, of an affidavit in the form of Exhibit I to the Pooling and Servicing Agreement; (iv) notwithstanding the delivery of an affidavit by a proposed transferee under clause (iii) above, if a Responsible Officer of the Trustee has actual knowledge that the proposed transferee is not a Permitted Transferee, no transfer of any Ownership Interest in this Residual Certificate to such proposed transferee shall be effected; (v) this Residual Certificate may not be purchased by or transferred to any Person that is not a U.S. Person, unless (A) such Person holds this Residual Certificate in connection with the conduct of a trade or business within the United States and furnishes the transferor and the Trustee with an effective Internal Revenue Service Form 4224 (or any successor thereto) or (B) the transferee delivers to both the transferor and the Trustee an Opinion of Counsel from a nationally-recognized tax counsel to the effect that such transfer is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of this Residual Certificate will not be disregarded for federal income tax purposes; (vi) any attempted or purported transfer of this Class A-LR Certificate in violation of the provisions of such restrictions shall be absolutely null and void and shall vest no rights in the purported transferee; and (vii) if any Person other than a Permitted Transferee acquires the Class A-LR Certificate in violation of such restrictions, then the Trustee, based on information provided to the Trustee by the Servicer, will provide to the Internal Revenue Service, and to the Persons specified in Section 860E(e)(3) and (6) of the Code, information needed to compute the tax imposed under Section 860E(e) of the Code on transfers of residual interests to disqualified organizations. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-1 [FORM OF FACE OF CLASS B-1 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-1 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-1 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $7,754,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2X 9 This certifies that _________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 6.250% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-2 [FORM OF FACE OF CLASS B-2 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-2 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A AND CLASS B-1 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-2 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $3,001,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2Y 7 This certifies that _________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 6.250% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-3 [FORM OF FACE OF CLASS B-3 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-3 [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO THE DEPOSITOR 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.] 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1 AND CLASS B-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-3 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $2,502,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 2Z 4 This certifies that _________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 6.250% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-4 [FORM OF FACE OF CLASS B-4 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-4 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1, CLASS B-2 AND CLASS B-3 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-4 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,000,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 3A 8 This certifies that _________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 6.250% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). No transfer of a Certificate of this Class shall be made unless such transfer 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 the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably 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 the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-5 [FORM OF FACE OF CLASS B-5 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-5 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1, CLASS B-2, CLASS B-3 AND CLASS B-4 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-5 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,001,000.00 Pass-Through Rate: Variable CUSIP No.: 060506 3B 6 This certifies that _________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 6.250% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). No transfer of a Certificate of this Class shall be made unless such transfer 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 the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably 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 the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT B-6 [FORM OF FACE OF CLASS B-6 CERTIFICATE] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-6 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, AS AMENDED (THE "CODE"). REDUCTIONS OF THE CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE MADE MONTHLY AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. ACCORDINGLY, THE OUTSTANDING CERTIFICATE BALANCE OF THIS CERTIFICATE MAY BE LESS THAN THE AMOUNT SET FORTH BELOW. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A, CLASS B-1, CLASS B-2, CLASS B-3, CLASS B-4 AND CLASS B-5 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE CODE OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH PLAN AND ALL OTHER PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE, UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates, Series 2001-E Class B-6 evidencing an interest in a Trust consisting primarily of a pool of adjustable-rate mortgage loans (the "Mortgage Loans") secured by first liens on one- to four-family residential properties deposited by Bank of America Mortgage Securities, Inc., as Depositor Certificate No.: Cut-Off Date: August 1, 2001 First Distribution Date: September 25, 2001 Initial Certificate Balance of this Certificate ("Denomination"): $ Initial Class Certificate Balance of this Class: $1,000,903.86 Pass-Through Rate: Variable CUSIP No.: 060506 3C 4 This certifies that _________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Denomination of this Certificate by the Initial Class Certificate Balance of the Class to which this Certificate belongs) in certain monthly distributions with respect to a Trust consisting primarily of the Mortgage Loans deposited by Bank of America Mortgage Securities, Inc. (the "Depositor"). The Trust was created pursuant to a Pooling and Servicing Agreement, dated August 28, 2001 (the "Pooling and Servicing Agreement"), among the Depositor, Bank of America, N.A., as servicer (the "Servicer"), and The Bank of New York, as trustee (the "Trustee"). To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Pooling and Servicing Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Pooling and Servicing Agreement, to which Pooling and Servicing Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Principal in respect of this Certificate is distributable monthly as set forth in the Pooling and Servicing Agreement. Accordingly, the Certificate Balance of this Certificate at any time may be less than the Certificate Balance as set forth herein. This Certificate does not evidence an obligation of, or an interest in, and is not guaranteed by the Depositor, the Servicer or the Trustee referred to below or any of their respective affiliates. Neither this Certificate nor the Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality. For each Distribution Date occurring prior to and including the Distribution Date in April 2006, interest will accrue on this Certificate at a per annum rate equal to the lesser of (i) 6.250% and (ii) the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). For each Distribution Date occurring after the Distribution Date in April 2006, interest will accrue on this Certificate at a rate equal to the weighted average of the Net Mortgage Interest Rates of the Mortgage Loans (based on the Stated Principal Balances of the Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date). No transfer of a Certificate of this Class shall be made unless such transfer 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 the 1933 Act and such laws. In the event of any such transfer, (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably 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 the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. The Holder of a Private Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee and the Depositor against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. This Certificate shall not be entitled to any benefit under the Pooling and Servicing Agreement or be valid for any purpose unless manually countersigned by an authorized signatory of the Trustee. * * * EXHIBIT C [FORM OF REVERSE OF ALL CERTIFICATES] BANK OF AMERICA MORTGAGE SECURITIES, INC. Mortgage Pass-Through Certificates This Certificate is one of a duly authorized issue of Certificates designated as Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, of the Series specified on the face hereof (collectively, the "Certificates"), and representing a beneficial ownership interest in the Trust created by the Pooling and Servicing Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account for payment hereunder and that the Trustee is not liable to the Certificateholders for any amount payable under this Certificate or the Pooling and Servicing Agreement or, except as expressly provided in the Pooling and Servicing Agreement, subject to any liability under the Pooling and Servicing Agreement. This Certificate does not purport to summarize the Pooling and Servicing Agreement and reference is made to the Pooling and Servicing Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced thereby, and the rights, duties and immunities of the Trustee. Pursuant to the terms of the Pooling and Servicing Agreement, a distribution will be made on the 25th day of each calendar month (or, if such day is not a Business Day, the next Business Day) (each, a "Distribution Date"), commencing on the first Distribution Date specified on the face hereof, to the Person in whose name this Certificate is registered at the close of business on the applicable Record Date in an amount required pursuant to the Pooling and Servicing Agreement. The Record Date applicable to each Distribution Date is the last Business Day of the month next preceding the month of such Distribution Date. On each Distribution Date, the Trustee shall distribute out of the Certificate Account to each Certificateholder of record on the related Record Date (other than respecting the final distribution) (a) by check mailed to such Certificateholder entitled to receive a distribution on such Distribution Date at the address appearing in the Certificate Register, or (b) upon written request by the Holder of a Regular Certificate (in the event such Certificateholder owns of record 100% of a Class of Certificates or holds Certificates of any Class having denominations aggregating $1,000,000 or more), by wire transfer or by such other means of payment as such Certificateholder and the Trustee shall agree upon, such Certificateholder's Percentage Interest in, the amount to which the related Class of Certificates is entitled in accordance with the priorities set forth in Section 5.02 of the Pooling and Servicing Agreement. The final distribution on each Certificate will be made in like manner, but only upon presentation and surrender of such Certificate to the Trustee as contemplated by Section 10.01 of the Pooling and Servicing Agreement. The Pooling and Servicing Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Trustee and the rights of the Certificateholders under the Pooling and Servicing Agreement at any time by the Depositor, the Servicer and the Trustee with the consent of the Holders of Certificates affected by such amendment evidencing the requisite Percentage Interest, as provided in the Pooling and Servicing Agreement. 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 therefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Pooling and Servicing Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the Corporate Trust Office accompanied by a 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 the same Class in authorized denominations and evidencing the same aggregate Percentage Interest in the Trust will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in denominations specified in the Pooling and Servicing Agreement. As provided in the Pooling and Servicing Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of the same Class in authorized denominations and evidencing the same 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 Servicer, the Certificate Registrar and the Trustee and any agent of the Depositor, the Servicer, the Certificate Registrar or the Trustee may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and none of the Depositor, the Servicer, the Certificate Registrar, the Trustee or any such agent shall be affected by any notice to the contrary. On any Distribution Date on which the Pool Stated Principal Balance is less than 10% of the Cut-Off Date Pool Principal Balance, the Depositor will have the option to repurchase, in whole, from the Trust all remaining Mortgage Loans and all property acquired in respect of the Mortgage Loans at a purchase price determined as provided in the Pooling and Servicing Agreement. The 10% may be reduced by an amendment to the Pooling and Servicing Agreement without Certificateholder consent under certain conditions set forth in the Pooling and Servicing Agreement. In the event that no such optional termination occurs, the obligations and responsibilities created by the Pooling and Servicing Agreement will terminate upon the later of the maturity or other liquidation (or any advance with respect thereto) of the last Mortgage Loan remaining in the Trust or the disposition of all property in respect thereof and the distribution to Certificateholders of all amounts required to be distributed pursuant to the Pooling and Servicing Agreement. In no event shall the Trust created by the Pooling and Servicing Agreement 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 thereof. Any term used herein that is defined in the Pooling and Servicing Agreement shall have the meaning assigned in the Pooling and Servicing Agreement, and nothing herein shall be deemed inconsistent with that meaning. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: August 28, 2001 THE BANK OF NEW YORK, as Trustee By ---------------------------------------- Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class [__] Certificates referred to in the Pooling and Servicing Agreement referenced herein. THE BANK OF NEW YORK, as Trustee 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 Percentage Interest evidenced by the within Certificate and hereby authorizes the transfer of registration of such Percentage Interest to assignee on the Certificate Register of the Trust. I (We) further direct the Trustee 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 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 MORTGAGE LOAN SCHEDULE BANK OF AMERICA MORTGAGE BOAMS 2001-E MORTGAGE SCHEDULE Loan Count: 1,031 Scheduled PB: 500,267,003.86 Unpaid PB W/A: 485,225 Interest Rate W/A: 6.762 Remaining Term W/A: 358
LOAN ZIP PROPERTY LOAN DOC ORIG NUMBER BORROWER STATE CODE TYPE OCCUPANCY PURPOSE TYPE LTV ----------------------------------------------------------------------------------------------------------------------------------- 0029396009 TRAN CA 92602 PUD Primary Purchase Standard 79.98 0029537511 MCGOWAN UT 84060 Single Family Primary Purchase Stated 70.58 0029642907 EVANS CA 95070 Single Family Primary Purchase Standard 79.97 0029658143 RADER DC 20015 Single Family Primary Cash-out Refinance Standard 73.77 0029662335 JOHNSON NC 28117 PUD Primary Purchase Standard 80.00 0029685583 BRODERICK CA 94536 Single Family Primary Purchase Standard 80.00 0029698669 HUNT GA 30043 Single Family Primary Refinance Standard 64.78 0029705787 DRELL CA 94566 Single Family Primary Purchase Standard 80.00 0029722832 PUCCI CA 93063 PUD Primary Purchase Standard 79.99 0029734944 MANCHESTER CA 92660 PUD Primary Cash-out Refinance Standard 66.25 0029736634 BOWYER CA 90803 PUD Primary Purchase Standard 80.00 0029741857 MILDENBERG NC 28207 Single Family Primary Purchase Standard 79.96 0029743226 SMITH CO 80129 PUD Primary Cash-out Refinance Standard 75.00 0029746864 JARAMILLO CO 80104 PUD Primary Cash-out Refinance Standard 73.97 0029747961 ZHU CA 92127 PUD Primary Purchase Standard 79.99 0029748092 KNEARL CO 80027 PUD Primary Purchase Standard 79.99 0029749397 STARBUCK CO 80601 Single Family Primary Cash-out Refinance Standard 72.00 0029752177 BOSARGE MS 39110 Single Family Primary Refinance Standard 80.00 0029753126 GINGRICH WA 98040 Single Family Primary Purchase Standard 80.00 0029754736 SLOAN AR 72223 Single Family Primary Purchase Reduced 79.99 0029757382 MCKENZIE JR MS 39157 Single Family Primary Refinance Standard 80.00 0029759180 BUDDLE MN 55311 Single Family Primary Purchase Standard 80.00 0029759313 KRENNING CO 80550 PUD Primary Refinance Standard 90.00 0029759727 HILLIARD CA 94954 Single Family Primary Purchase Standard 80.00 0029759909 STREIFFER CA 94110 Single Family Primary Purchase Standard 80.00 0029762572 HEMMADY MN 55347 Single Family Primary Cash-out Refinance Standard 75.00 0099050437 ONEAL VA 20194 PUD Primary Purchase Reduced 65.04 0099050957 GALLAGHER OH 43623 Single Family Primary Cash-out Refinance Reduced 75.00 0099051377 HOWERING VA 20190 PUD Primary Purchase Reduced 79.99 0099057366 COOK CA 93065 PUD Primary Purchase Standard 79.99 0099062325 COLLINS CA 95060 Single Family Primary Purchase Standard 80.00 0099064156 BROWN II CA 95148 Single Family Primary Refinance Standard 69.42 0099065401 RICE ID 83333 PUD Primary Refinance Standard 36.72 0099065849 GLICKER OR 97209 High-Rise Condo Primary Refinance Standard 80.00 0099066193 CASTRO CA 95148 Single Family Primary Cash-out Refinance Standard 62.13 0099067316 WALTER CA 94530 Single Family Primary Refinance Standard 80.00 0099067456 SCHEIBE CA 94602 Single Family Primary Refinance Standard 80.00 0099067670 CHERNIN CA 95051 Single Family Primary Cash-out Refinance Standard 71.31 0099067910 SEITERS CA 94107 Single Family Primary Purchase Reduced 80.00 0099068181 CINNAMON CA 92651 Single Family Primary Cash-out Refinance Standard 69.90 0099068207 SCHMIDT CA 94549 Single Family Primary Purchase Standard 80.00 0099068736 SCHALLY CA 94596 PUD Primary Cash-out Refinance Standard 64.00 0099068785 TSAI CA 94618 Single Family Primary Cash-out Refinance Standard 47.94 0099069379 HEIBEL GA 30022 PUD Primary Purchase Standard 84.98 0099069627 CHLEBICKI PA 19348 PUD Primary Purchase Standard 73.79 0099070708 BALLARD CA 94568 Single Family Primary Purchase Standard 52.63 0099071680 KNIZNIK CA 95630 Single Family Primary Refinance Standard 78.32 0099071714 KIEFER CA 94588 Single Family Primary Purchase Standard 71.94 0099073553 PETRALIA CA 94506 PUD Primary Refinance Standard 41.66 0099073785 CHANDLER CA 95404 Single Family Primary Cash-out Refinance Standard 46.06 0099073827 GREGROY OH 43017 Single Family Primary Purchase Standard 80.00 0099074593 ALEXANDER GA 31522 Condominium Secondary Purchase Standard 80.00 0099075335 SUN CA 94109 Condominium Primary Refinance Standard 79.16 0099075574 MUSURLIAN CA 92869 Single Family Primary Purchase Standard 79.99 0099076457 HAPNER CA 95060 Single Family Primary Purchase Standard 74.94 0099076556 MAGEE CA 95125 Single Family Primary Refinance Standard 66.58 0099076770 SWAN CO 80033 PUD Primary Refinance Standard 80.00 0099076986 SENGENBERGER CO 80016 PUD Primary Purchase Standard 79.67 0099076994 POELMAN CA 92127 PUD Primary Purchase Standard 79.99 0099078032 RYMER CO 81657 Single Family Secondary Purchase Standard 57.55 0099079329 GORLA CO 81631 PUD Primary Refinance Reduced 80.00 0099080186 KACZYNSKI CO 80026 PUD Secondary Purchase Reduced 80.00 0099080707 GIBBONS KY 41017 Single Family Primary Cash-out Refinance Standard 74.61 0099083123 APPLEGARTH CA 92867 Single Family Primary Purchase Standard 80.00 0099083487 DILL CA 95136 Single Family Primary Refinance Standard 76.97 0099085664 DIPRIMA CA 91381 PUD Primary Purchase Standard 79.99 0099085680 OBRIEN CO 80026 PUD Primary Refinance Standard 80.00 0099089781 COMSTOCK TX 77339 PUD Primary Purchase Standard 79.75 0099089914 JOHNSON CO 80908 Single Family Primary Purchase Standard 79.99 0099091845 TSENG CA 91108 Single Family Primary Cash-out Refinance Standard 71.20 0099092066 BROWN CO 80027 PUD Primary Purchase Standard 79.99 0099099517 PHILPOT CA 94114 Two Family Primary Refinance Reduced 71.77 6000074671 CARTER DC 20037 FALSE Investor Purchase Standard 80.00 6000597796 HOY IL 60010 Single Family Primary Purchase Standard 90.00 6001019824 BILES JR CA 94526 PUD Primary Purchase Rapid 71.42 6001148037 GODSCHALK DC 20009 Condominium Primary Purchase Rapid 80.00 6002705660 MOISEIWITSCH DC 20008 Single Family Primary Purchase Rapid 80.00 6004206642 MIKKELSEN CA 92661 Two Family Primary Purchase Standard 80.00 6004813264 FOGLEMAN NC 28374 Single Family Primary Refinance Rapid 80.00 6005154783 BARRAGAN CA 95122 Single Family Primary Refinance Standard 84.07 6006213497 ANDERSON CA 95062 Single Family Primary Purchase Standard 80.00 6006240896 WENTWORTH CA 94044 Single Family Primary Purchase Timesaver-2 80.00 6008435965 GONSALVES CA 94043 Single Family Primary Cash-out Refinance Rapid 59.02 6008688571 MCBANE FL 33704 Single Family Primary Purchase Standard 90.00 6009330132 CHIANG CA 95120 PUD Primary Purchase Standard 70.00 6009824910 HETHCOTE NC 27617 PUD Primary Refinance Rapid 88.72 6010734553 YOUNG TX 78746 PUD Primary Purchase Standard 69.00 6012291479 NANCE CA 91326 PUD Primary Refinance All Ready Home 62.95 6013333684 SMITH VA 20148 PUD Primary Purchase Rapid 80.00 6015610907 NGAI CA 95678 Single Family Primary Purchase Standard 79.98 6015806521 LAGOA FL 33139 High-Rise Condo Primary Purchase Rapid 65.47 6016346923 PETERS CA 91361 Single Family Primary Purchase Standard 80.00 6016585702 PELLERIN GA 30324 Single Family Primary Purchase Rapid 48.27 6018232931 SAMORA JR DC 20009 Condominium Primary Purchase Standard 79.99 6020125115 DENEVI CA 94025 Single Family Primary Refinance Standard 61.29 6021786725 KAVALEW NV 89451 Single Family Primary Cash-out Refinance Rapid 60.71 6022748120 SHETTY CA 94043 Condominium Primary Cash-out Refinance Rapid 75.00 6023505990 LIN CA 94065 PUD Primary Refinance Standard 75.98 6025791341 ELLIS WA 98112 Single Family Primary Cash-out Refinance Rapid 56.00 6027227575 MATTIOLI CA 90402 Single Family Primary Refinance Rapid 73.85 6028663562 ROSS CA 90266 Single Family Primary Purchase Rapid 72.30 6029048151 PARSONS CA 95032 Single Family Primary Purchase Rapid 69.95 6032250083 CHACON CA 94065 PUD Primary Refinance Rapid 58.98 6032864933 RICKARD NC 27265 Single Family Primary Purchase Rapid 95.00 6033080505 YARBROUGH JR SC 29451 PUD Primary Cash-out Refinance Rapid 25.00 6034183563 LEE CA 94022 Single Family Primary Purchase Rapid 75.00 6034291903 ATKINS CA 94019 Single Family Primary Refinance Rapid 79.24 6034464526 FROLEY CA 93108 Single Family Primary Cash-out Refinance Standard 70.00 6035429262 IU CA 94065 Single Family Primary Cash-out Refinance Standard 70.00 6036147830 TURNER CA 92007 Single Family Primary Cash-out Refinance Standard 70.00 6037108377 REGALADO M D CA 91108 Single Family Primary Refinance All Ready Home 74.70 6038862451 JIANG CA 94080 PUD Primary Cash-out Refinance Rapid 65.71 6040076066 THIELS GA 30327 Single Family Primary Purchase Rapid 40.40 6040347087 STOKES TN 37069 PUD Primary Purchase Standard 80.00 6040569375 MURRAY TX 78735 PUD Primary Purchase Rapid 75.00 6040667328 TU CA 95030 Single Family Primary Refinance Rapid 18.26 6042135993 SMITH FL 34145 High-Rise Condo Secondary Purchase Rapid 67.49 6042372406 CHOY CA 94114 Single Family Primary Cash-out Refinance Standard 69.94 6044013545 SMITH VA 23113 PUD Primary Purchase Rapid 80.00 6045035992 MALLOY CA 94949 Single Family Primary Purchase Rapid 69.18 6047175101 DICK CA 94127 PUD Primary Cash-out Refinance Rapid 48.00 6048565839 EDWARDS CA 91024 Single Family Primary Purchase Standard 49.68 6049839639 ROLLER CA 94044 Single Family Primary Purchase Standard 80.00 6051405725 LIU CA 94555 Condominium Primary Refinance Rapid 80.00 6051652763 MCDOWELL WA 98006 PUD Primary Refinance All Ready Home 58.43 6052892624 CHANG CA 94065 Condominium Primary Refinance All Ready Home 80.00 6053007271 VILLANUEVA CA 94015 Single Family Primary Cash-out Refinance Standard 75.00 6053980907 PETERMAN CA 95819 Single Family Primary Purchase Rapid 47.90 6056191320 SIAHPOOSH MD 20854 Single Family Primary Purchase Standard 80.00 6062038473 MACHAIN CA 94544 Single Family Primary Purchase Standard 94.98 6065097849 EIS CA 94110 Two Family Primary Refinance Standard 77.42 6065564640 PASCUCCI CA 91364 Single Family Primary Purchase Standard 80.00 6065953231 CRONIN CA 94508 Single Family Primary Refinance Rapid 51.28 6070243685 HARRELL CA 94114 Two Family Primary Refinance Rapid 62.70 6070266488 WINIKATES CA 90064 Single Family Primary Refinance Standard 69.33 6071218447 TONEY CA 94022 PUD Primary Refinance Rapid 35.61 6072283572 DE LUCIO CA 94015 PUD Primary Purchase Standard 80.00 6073029180 PAULSON CA 94024 Single Family Primary Refinance Rapid 45.97 6074760130 JORDAN CA 94401 Single Family Primary Cash-out Refinance Standard 74.60 6074825388 DUNNETT NV 89144 PUD Primary Refinance Rapid 63.90 6076767042 JAMES CA 94707 Single Family Primary Cash-out Refinance Standard 56.15 6076964649 STALICK CA 91001 Single Family Primary Purchase Standard 80.00 6077096409 LE CA 95118 Single Family Primary Cash-out Refinance Rapid 50.72 6078639827 HARPER CA 94587 Single Family Primary Purchase Standard 71.72 6080914689 BASAK CA 95135 Condominium Primary Refinance Standard 80.00 6083435138 KING CA 94107 High-Rise Condo Secondary Refinance Standard 65.00 6083860376 SWEET FL 33907 PUD Primary Purchase Rapid 79.99 6084291993 POTTER CA 91001 Single Family Primary Purchase Standard 80.00 6084879128 WILLIAMS CA 94019 PUD Primary Cash-out Refinance Standard 70.00 6085008487 MCCOLLUM MO 63141 Single Family Primary Purchase Standard 80.00 6087939242 KESELER CA 94041 Single Family Primary Purchase Rapid 75.00 6088843294 KIM CA 90505 PUD Primary Purchase Rapid 79.99 6089700709 HARDMAN JR NC 27932 Single Family Primary Cash-out Refinance Standard 69.93 6090008407 DISANGRO CA 94131 Single Family Primary Refinance Rapid 58.44 6090118214 SHIN CA 94303 Single Family Primary Refinance All Ready Home 35.12 6090369676 EVANS MA 02025 Single Family Primary Refinance Standard 70.00 6092314639 GALLEMORE CA 90278 Single Family Primary Refinance Standard 79.87 6093206230 COHEN CA 94903 Single Family Primary Refinance Rapid 42.30 6093754841 ORNELAS CA 94541 Single Family Primary Purchase Standard 95.00 6096611972 ST LOUIS RI 02865 Single Family Primary Purchase Standard 90.00 6097499021 QUAN CO 80537 PUD Primary Cash-out Refinance Rapid 75.00 6099057173 TOWNHILL CA 94404 PUD Primary Refinance Rapid 75.34 6099197086 MORRISON CA 95070 Single Family Primary Refinance All Ready Home 16.51 6100150165 DAL CIELO CA 94583 Single Family Primary Refinance Rapid 51.64 6103714330 BRYCE CA 92128 Single Family Primary Refinance Standard 26.25 6104329054 BREON CA 94404 Condominium Primary Refinance Rapid 59.04 6105635087 ALEXANDER AZ 85259 PUD Primary Refinance Rapid 58.88 6105666744 SOTZING CT 06870 Single Family Primary Purchase Rapid 57.77 6106610295 MARSH MO 63130 Single Family Primary Purchase Rapid 80.00 6106699140 CHETRIT CA 94506 PUD Primary Refinance All Ready Home 61.29 6108806297 DAVER CA 94509 Single Family Primary Refinance Rapid 74.09 6110958169 FARMER SC 29455 PUD Primary Purchase Rapid 62.99 6113779208 BARSAM CA 90274 Single Family Primary Purchase Rapid 80.00 6113877036 DOW CA 90277 Single Family Primary Refinance Rapid 74.52 6113972985 LUIZ JR CA 92264 Single Family Primary Refinance Rapid 73.25 6114866467 ROCKLAND MD 20854 Single Family Primary Refinance Rapid 67.66 6114994632 MORTON-SMITH CA 91423 Single Family Primary Purchase Rapid 60.00 6116282473 GUALCO CA 94588 Single Family Primary Cash-out Refinance Rapid 52.17 6118698486 NGUYEN WA 98075 Single Family Primary Purchase Standard 70.00 6119884440 KELLER NC 28210 Single Family Primary Cash-out Refinance Standard 79.47 6122038539 WEBB CA 94558 Single Family Primary Purchase Rapid 80.00 6122163915 REZVANI CA 95120 Single Family Primary Cash-out Refinance Standard 52.77 6123817550 SCHUTZ CA 95112 Single Family Primary Refinance Rapid 79.79 6124457141 NOLAN CA 94062 Single Family Primary Purchase Standard 80.00 6125896867 KITZENBERG MN 55347 Single Family Primary Refinance Standard 64.36 6125971322 AHRENS CA 94118 Single Family Primary Purchase Rapid 80.00 6126334439 WARNOCK-MOORE FL 32835 PUD Primary Cash-out Refinance Rapid 74.41 6127297544 JOHNSON CA 94103 Condominium Primary Purchase Rapid 80.00 6127550637 EDMISSON CA 90266 Single Family Primary Cash-out Refinance Rapid 51.90 6127730601 DIPASQUALE FL 33330 Single Family Primary Refinance Standard 49.18 6128414395 WADNER CA 95628 PUD Primary Purchase Standard 89.99 6129775299 THOMAS CA 90277 Condominium Primary Purchase Rapid 80.00 6130523126 STEWART CO 80134 PUD Primary Purchase Rapid 80.00 6132319846 HOOT JR CA 95003 Single Family Secondary Purchase Standard 47.22 6133200987 MAGDANZ CA 94901 Single Family Primary Refinance Rapid 60.80 6133795663 SAPP CA 93004 Single Family Primary Refinance Standard 92.44 6133898640 RODDE CA 94558 Single Family Primary Refinance Standard 15.62 6135148127 RUBASHEVSKY CA 94024 Single Family Primary Refinance Standard 64.71 6136422570 HERSH CA 94114 Single Family Primary Cash-out Refinance Standard 46.33 6137590359 HANDLERY CA 94549 Single Family Primary Cash-out Refinance Standard 45.83 6141399482 MAHONEY CA 94501 Single Family Primary Cash-out Refinance Rapid 25.00 6146389561 ELLIOTT FL 34996 PUD Primary Purchase Rapid 71.42 6146507519 PERDUE FL 33037 Single Family Primary Purchase Rapid 72.46 6146575425 TAN CA 94131 Single Family Primary Refinance Rapid 80.00 6148080192 BRENNER CA 91364 Single Family Primary Purchase Rapid 80.00 6148675447 CUSACK FL 33134 Single Family Primary Purchase Rapid 79.99 6149270016 MUI CA 94109 High-Rise Condo Primary Purchase Rapid 80.00 6150168380 CREALOCK CA 92211 Condominium Primary Purchase Rapid 72.35 6150715750 ROACH CA 91741 Single Family Primary Cash-out Refinance Standard 71.71 6151161707 KEEGAN CA 94131 Condominium Primary Refinance Rapid 46.42 6151997886 KEMPER MD 20817 Single Family Primary Purchase Rapid 80.00 6152585946 KNIGHT DC 20009 Two Family Primary Refinance Standard 70.00 6154356585 COLE MD 21030 Single Family Primary Cash-out Refinance Standard 35.71 6154421280 HIGGS CA 92663 PUD Primary Cash-out Refinance Standard 60.19 6156249960 SMITH GA 30062 PUD Primary Purchase Rapid 80.00 6157137792 SCOVILLE CA 92620 PUD Primary Purchase Rapid 71.77 6161312829 ESPINOZA CA 94556 Single Family Primary Cash-out Refinance Standard 70.00 6161529455 RANERI CA 94114 Single Family Primary Purchase Standard 75.00 6162960402 MURRELL DC 20015 Single Family Primary Purchase Rapid 71.87 6164057769 REDDY CA 92807 Single Family Primary Refinance Rapid 80.00 6164971464 DOUGLAS CA 94040 Single Family Primary Refinance Standard 29.43 6167562658 DABBY CA 90210 Single Family Primary Refinance Rapid 44.89 6172810811 WONSER CA 92253 Condominium Secondary Purchase Rapid 74.54 6172981091 POPPE NC 27006 PUD Primary Purchase Standard 80.00 6173996155 SCHIFF MD 20816 Single Family Primary Refinance Rapid 74.75 6174368701 DESOUZA CA 92626 Single Family Primary Refinance Rapid 71.76 6174742129 TEAL VA 23226 Single Family Primary Cash-out Refinance Standard 67.96 6175576989 LE CA 91362 Single Family Primary Purchase Rapid 80.00 6176366927 DELODOVICI CA 94065 PUD Primary Purchase Rapid 62.50 6178334758 OLIVA CA 94030 Single Family Primary Cash-out Refinance Standard 60.25 6178831787 RIOS CA 94920 Single Family Primary Refinance Rapid 53.24 6179208399 GREENLEE CA 91377 Single Family Primary Cash-out Refinance Rapid 67.32 6179909517 YEE CA 94086 Condominium Primary Purchase Standard 80.00 6180650068 DAVIDGE CA 94010 Single Family Primary Cash-out Refinance Rapid 44.73 6181875342 BALLIN CA 95128 Single Family Primary Refinance Rapid 69.87 6182581238 NAZARADEH CA 95120 Single Family Primary Purchase Standard 35.96 6183486064 STEINMEIER CA 90250 Single Family Primary Purchase Standard 80.00 6186398688 LU CA 94539 PUD Primary Purchase Rapid 49.86 6190381878 TINNEY CA 94019 Single Family Primary Refinance Rapid 78.60 6191958617 HODGES FL 34239 Single Family Primary Refinance Standard 50.00 6192772660 JOHNSON CA 94402 Single Family Primary Purchase Standard 80.00 6195019168 ZUCK DC 20016 Single Family Primary Refinance Rapid 76.61 6196159633 MASTROGANY CA 92672 Single Family Primary Refinance Rapid 48.07 6196199670 STABBE MD 20854 Single Family Primary Refinance Rapid 66.66 6197235705 COLMIGNOLI VA 23226 Single Family Primary Purchase Rapid 80.00 6200167697 CHURCHILL CA 95120 Single Family Primary Cash-out Refinance Standard 59.37 6201018980 NGUYEN CA 95121 Single Family Primary Cash-out Refinance Standard 75.00 6201285977 SCHMELTZER CA 92677 PUD Primary Cash-out Refinance Rapid 51.13 6201440044 SABATINI CA 94010 Single Family Primary Refinance Standard 25.94 6202881642 NAVARRETE CA 94404 PUD Primary Cash-out Refinance Standard 65.74 6203985384 WONG CA 95409 Single Family Primary Purchase Rapid 80.00 6205555466 CARLTON CA 94010 Single Family Primary Refinance Standard 59.46 6205716373 THAYER GA 31411 PUD Primary Purchase Standard 76.33 6207115616 MEDWADOWSKI CA 94530 Single Family Primary Refinance Standard 60.55 6207128973 D'CRUZ CA 94087 Single Family Primary Cash-out Refinance Rapid 48.64 6208311842 VAN WYCK FL 33316 Single Family Primary Cash-out Refinance Standard 75.00 6208629854 CAPLAN CA 90740 Single Family Primary Refinance Standard 79.94 6208711538 SARNAT CA 90064 Single Family Primary Purchase Rapid 67.16 6209101671 BUSHEY CA 92625 Condominium Primary Refinance Standard 74.66 6210960289 SHUTE AZ 85262 PUD Primary Refinance Rapid 54.36 6211865123 SILVERSTEIN CA 95070 Single Family Primary Refinance Rapid 21.96 6212821430 MIHELICH FL 33327 PUD Primary Purchase Rapid 80.00 6212887399 BUXTON CA 92107 Single Family Primary Purchase Standard 80.00 6213228742 DOTY CA 94507 PUD Primary Refinance Standard 40.10 6213989723 DELEMOS TX 75093 Single Family Primary Refinance All Ready Home 79.15 6214156108 GOWLAND MD 21030 Single Family Primary Cash-out Refinance Rapid 55.23 6214261437 TOWHEED VA 20171 PUD Primary Cash-out Refinance Standard 75.00 6214402114 CHATRATHI CA 95130 Single Family Primary Refinance Rapid 69.83 6215369791 JOHNSTON CA 94117 Single Family Primary Refinance All Ready Home 75.00 6216269719 DHARIA CA 94555 PUD Primary Refinance Standard 79.68 6217695466 YUDELL CA 90077 Single Family Primary Cash-out Refinance Rapid 59.13 6218379805 BLUMFIELD TX 77401 Single Family Primary Refinance Standard 54.82 6220360926 BLACKWELDER MD 20815 Single Family Primary Refinance Standard 54.00 6220994492 DELEGEANE CA 95035 Single Family Primary Cash-out Refinance Standard 46.97 6221867127 SERVOSS NC 27514 Single Family Primary Refinance Standard 75.85 6223533305 GARCIA CA 91381 PUD Primary Purchase Standard 79.99 6224571601 DORAN CA 94107 Condominium Primary Refinance Standard 80.00 6224707866 LE DOUX CA 94563 Single Family Primary Purchase Standard 80.00 6224843562 KUPCZYK FL 34108 High-Rise Condo Secondary Refinance Standard 72.74 6224878188 HODGE ID 83702 Single Family Secondary Refinance Rapid 77.76 6225263802 MAHONEY CA 92651 Single Family Primary Refinance Standard 76.47 6225314829 SMITH CA 95037 Single Family Primary Purchase Standard 80.00 6225772828 PATTERSON FL 33767 Single Family Primary Cash-out Refinance Standard 62.50 6230349794 MARTIN MD 20816 Single Family Primary Refinance Standard 70.00 6230516582 LOPEZ FL 33156 Single Family Primary Purchase Standard 80.00 6231542595 BORDIN CA 94080 Single Family Primary Cash-out Refinance Standard 75.00 6231602498 GHOSH CA 95138 Condominium Primary Refinance Rapid 79.89 6233594545 COLLEGE CO 80439 Single Family Primary Purchase Rapid 80.00 6237186710 YATES CA 94609 Single Family Primary Refinance Rapid 80.00 6237590028 COSTA CA 92124 Single Family Primary Cash-out Refinance Rapid 56.86 6237731382 LECHMANIK FL 34103 High-Rise Condo Primary Refinance Rapid 65.71 6237837825 CRUMP CA 94103 Condominium Primary Refinance Standard 66.24 6241864914 JOYCE KS 66209 PUD Primary Cash-out Refinance Standard 70.00 6242122841 VON FELDT CA 94028 Single Family Primary Purchase Rapid 19.31 6243761803 SCHMITT FL 34108 High-Rise Condo Primary Purchase Standard 80.00 6244266778 ROSS CA 92675 Single Family Primary Cash-out Refinance Standard 61.22 6245223539 JOHNSTON CA 95124 Single Family Primary Purchase Standard 80.00 6246932260 PATEL CA 94568 PUD Primary Refinance Rapid 51.18 6248588870 MARKS TX 75205 Single Family Secondary Purchase Standard 79.99 6248638154 WEGGELAND CA 92506 Single Family Primary Purchase Rapid 80.00 6248966944 WALSH CA 95062 Single Family Primary Refinance Rapid 79.59 6253620071 SOLBERG ID 83814 Single Family Primary Purchase Rapid 80.00 6254797381 DENNING CA 92672 PUD Primary Refinance Standard 65.32 6255519917 LUKES CA 95118 Single Family Primary Refinance Rapid 80.00 6255575216 RIEMER MD 21131 Single Family Primary Cash-out Refinance Standard 60.19 6256851004 NEBEKER FL 33305 High-Rise Condo Secondary Purchase Standard 80.00 6259779004 EMERT CA 91381 PUD Primary Purchase Rapid 95.00 6259915129 KURAISHY CA 95032 Single Family Primary Cash-out Refinance Rapid 69.48 6260894974 MATHESON JR CA 94514 Single Family Primary Cash-out Refinance Standard 52.38 6261873761 MASTER CA 94110 Two Family Primary Purchase Standard 80.00 6264766400 LIAGHAT CA 92037 Single Family Primary Refinance Rapid 18.66 6265199643 WU CA 94010 Single Family Primary Cash-out Refinance Rapid 51.72 6265597689 WILLIAMS CA 95014 Single Family Primary Cash-out Refinance Standard 60.00 6266224499 VARGHESE CA 95132 Single Family Primary Refinance Rapid 79.43 6267274261 DRZAIC CA 95037 PUD Primary Purchase Rapid 80.00 6268293401 SMITH SR CA 95004 Single Family Primary Cash-out Refinance Rapid 58.26 6268307763 RHEA MO 63122 Single Family Primary Refinance Rapid 71.66 6269256001 ROLLER CA 92679 PUD Primary Purchase Rapid 58.25 6272081610 HOLZER FL 33484 PUD Primary Refinance All Ready Home 65.21 6272682235 JO CA 95765 PUD Secondary Purchase Rapid 80.00 6273218526 HENNESSY CA 95124 Single Family Primary Purchase Rapid 80.00 6273453404 RE CA 94044 Single Family Primary Cash-out Refinance Standard 64.66 6274209219 SONNENBERG MD 21702 Single Family Primary Refinance Rapid 80.00 6275949946 MARTINEZ CA 90068 Single Family Primary Purchase Standard 80.00 6276572572 KIMMEL CA 94954 Single Family Primary Refinance Rapid 59.61 6276936355 MISHLER WA 98042 PUD Primary Purchase Standard 95.00 6281099876 KARLSEN CA 90274 Single Family Primary Purchase Standard 80.00 6281619681 LIAO CA 95014 PUD Primary Refinance Rapid 75.00 6281987278 SYPAL DC 20002 Single Family Primary Purchase Standard 80.00 6282157954 SUN CA 92660 Single Family Primary Refinance Rapid 57.84 6282563292 ZWISSLER CA 90005 Single Family Primary Refinance Standard 65.95 6282902961 WOODS WA 98038 PUD Primary Cash-out Refinance Standard 84.38 6284124390 BLOCK SC 29464 PUD Primary Purchase Rapid 80.00 6286134504 LIENAU III CA 92649 Single Family Primary Purchase Standard 80.00 6286236192 LEWIS SC 29582 PUD Primary Cash-out Refinance Standard 59.25 6286944779 NGUYEN CA 94539 Single Family Primary Purchase Standard 80.00 6287526435 LEE CA 94122 Single Family Primary Purchase Rapid 76.47 6287692682 RAW SC 29928 PUD Primary Refinance Rapid 49.06 6289630284 FOSTER GA 31401 Single Family Primary Refinance Rapid 45.82 6290335030 FLETCHER VA 20124 Single Family Primary Purchase Rapid 80.00 6291791173 FORKE CA 94131 Condominium Primary Purchase Rapid 80.00 6291978952 WITT MA 02129 Two Family Primary Purchase Standard 80.00 6292215735 GODFREY NV 89117 PUD Primary Refinance Standard 84.88 6292764864 BENJAMIN CA 92663 Condominium Primary Refinance All Ready Home 55.00 6293160211 NEUHOFF JR TN 37215 PUD Primary Refinance Standard 80.00 6293394786 SHIRLEY CA 90266 Single Family Primary Refinance Rapid 78.75 6293841711 CANAS CA 94044 Single Family Primary Cash-out Refinance Standard 54.00 6296358341 PHAM CA 92130 PUD Primary Refinance Rapid 52.50 6298264364 WILLENSKY CA 94102 Single Family Primary Purchase Standard 80.00 6299965175 COLEMAN III SC 29206 Single Family Primary Purchase Rapid 80.00 6301146822 REITER CA 94945 Single Family Primary Refinance All Ready Home 44.93 6302906554 MILLINGTON II CA 94550 Single Family Primary Purchase Standard 79.98 6302908717 WILKS CA 94025 Single Family Primary Purchase Rapid 80.00 6306984821 GUTEKUNST SC 29585 Single Family Secondary Refinance Standard 77.61 6308166666 BYABAGYE CA 95121 Single Family Primary Cash-out Refinance Rapid 69.64 6308883732 BRODKIN CA 92117 Single Family Primary Refinance Standard 73.92 6309275326 SCHULTZ CA 91786 Single Family Primary Purchase Rapid 80.00 6309795893 MCLEOD CA 92101 High-Rise Condo Primary Refinance Standard 53.33 6313093939 DEFLORIO OR 97210 Single Family Primary Refinance Rapid 69.97 6316397626 CUPPIA GA 30075 PUD Primary Cash-out Refinance Rapid 69.91 6316600763 JAMES CA 94510 Single Family Primary Refinance Standard 80.00 6320104422 MESAROS CA 94010 Single Family Primary Refinance Rapid 75.56 6321240142 LEHMAN CA 94705 Single Family Primary Cash-out Refinance Rapid 29.71 6323127479 MCWHORTER III MD 20852 PUD Primary Purchase Rapid 80.00 6323796323 BANGERTER CA 93611 Single Family Primary Purchase Standard 80.00 6323939261 PAINTER CA 94563 Single Family Primary Purchase Standard 80.00 6324487849 SEWERIN CA 94404 Single Family Primary Cash-out Refinance Standard 55.28 6326658702 YE CA 91362 PUD Primary Purchase Rapid 80.00 6327170533 BRAY CO 80220 Single Family Primary Purchase Rapid 80.00 6330758399 HENDERSON CA 94611 Single Family Primary Refinance Rapid 40.02 6331155041 NEWTON CA 95014 Single Family Primary Refinance All Ready Home 65.85 6331488673 CUNNINGHAM AZ 85718 Single Family Primary Purchase Standard 80.00 6331684412 TIMBRELL CA 94115 Condominium Primary Purchase Rapid 45.66 6332249868 COVIELLO MA 01845 Single Family Primary Cash-out Refinance Standard 75.00 6336731515 EARLY NC 28210 PUD Primary Refinance Standard 78.63 6336885477 CURL CA 95120 PUD Primary Cash-out Refinance Rapid 56.77 6337045279 ARCHIBALD CA 93923 Single Family Primary Cash-out Refinance Standard 60.42 6337090465 HATCHER-BRUCKNE CA 93021 Single Family Primary Refinance Rapid 80.00 6338248047 RIOJAS MO 64152 Single Family Primary Purchase Rapid 69.22 6338445569 NOSTRAME ESQ MD 20817 Single Family Primary Purchase Rapid 80.00 6340558201 DOTY CA 95356 Single Family Primary Purchase Standard 78.57 6340674131 MAHAN SC 29575 PUD Primary Refinance Rapid 88.14 6340985123 RIVAS SR CA 94070 Single Family Primary Purchase Rapid 80.00 6341996574 MOHAN CA 95131 Single Family Primary Refinance Rapid 75.00 6342679724 CLOUGH VA 23059 PUD Primary Purchase Standard 55.94 6342857023 CIPOLLA CA 94583 Single Family Primary Refinance Rapid 66.43 6343374572 RABBE CA 94025 PUD Primary Refinance All Ready Home 68.85 6343628035 SMAILS MD 20878 PUD Primary Purchase Rapid 80.00 6345626433 WILLIAMS SC 29464 PUD Primary Purchase Standard 77.41 6345724550 COLLIER SR SC 29204 Single Family Primary Refinance Standard 67.14 6346973107 PANDONG CA 94538 Single Family Primary Cash-out Refinance Rapid 63.44 6347167840 GRUNE CA 95076 Single Family Primary Refinance Rapid 38.71 6347342096 RICK IN 46033 PUD Primary Purchase Rapid 80.00 6347688613 O'CONNELL JR CA 95138 PUD Primary Cash-out Refinance Standard 37.26 6348007730 REED CA 95005 Single Family Primary Cash-out Refinance Rapid 62.72 6349235926 COTA CA 92109 Single Family Primary Refinance Rapid 72.29 6349775962 CLEARY CA 94555 Single Family Primary Refinance Rapid 76.62 6349902129 LINHARES AZ 85749 PUD Primary Refinance Standard 80.00 6350532831 HEATH III MD 21158 Single Family Primary Refinance Rapid 73.57 6353579490 LEWIS CA 94403 Single Family Primary Cash-out Refinance Standard 54.54 6356261500 HOLCOMB CA 95030 Single Family Primary Refinance All Ready Home 12.14 6357813176 MISHRA CA 94539 Single Family Primary Purchase Standard 80.00 6358419833 MARCHETTA FL 33139 High-Rise Condo Secondary Purchase Standard 75.00 6358483847 WARD MI 49117 Condominium Secondary Cash-out Refinance Standard 70.00 6358521729 LI CA 92130 PUD Primary Purchase Rapid 79.62 6359600688 DE PREZ CA 90630 Single Family Primary Purchase Standard 68.85 6359805329 SMEDEBY CA 92694 PUD Primary Purchase Standard 79.95 6360123803 SENGUPTA CA 94539 PUD Primary Refinance Standard 77.11 6361664508 MENDOZA CA 95127 Single Family Primary Purchase Standard 95.00 6364581097 REDDIN CA 92679 PUD Primary Purchase Rapid 63.63 6366383062 SYKES CA 94131 Single Family Primary Purchase Standard 80.00 6368615354 STEGEMILLER CA 94526 PUD Primary Refinance Standard 31.48 6368707888 MAINVILLE CA 95032 Single Family Primary Cash-out Refinance Standard 50.73 6368956691 NAIKER CA 94544 Single Family Primary Purchase Rapid 80.00 6370780212 LUFTMAN CA 95129 Single Family Primary Purchase Standard 80.00 6371598480 CHAPMAN III GA 30014 Single Family Primary Refinance Rapid 76.61 6371828085 DUTCHER CA 90266 Single Family Primary Refinance Standard 45.33 6372272838 RAO CA 94087 Single Family Primary Purchase Standard 79.25 6372503265 PENLEY TN 37205 PUD Primary Purchase Standard 72.13 6372573045 DHULIPALA CA 95014 Single Family Primary Refinance Standard 74.41 6372595303 RENWICK CA 95831 PUD Primary Refinance Rapid 75.55 6374106398 SWIATEK CA 92663 Single Family Primary Refinance Rapid 69.14 6374650296 DUNN CA 90293 Single Family Primary Refinance Rapid 80.00 6375064638 OW CA 94065 PUD Primary Purchase Standard 37.20 6375366165 STRATTON CA 92653 PUD Primary Refinance All Ready Home 74.76 6377152381 STAROV CA 95032 Single Family Primary Cash-out Refinance Standard 50.00 6378477324 CONNOR CA 94028 Single Family Primary Refinance Standard 49.25 6381808853 RAGHAVAN CA 95135 Single Family Primary Refinance Rapid 40.69 6382358502 WADE CA 92677 PUD Primary Purchase Rapid 53.68 6382380928 SVILICH CA 90803 Single Family Primary Refinance Rapid 59.15 6382769179 MAYO CA 90803 Single Family Primary Cash-out Refinance Rapid 67.44 6383456008 NEVILLE CA 94901 Single Family Primary Cash-out Refinance Standard 59.25 6383457469 WARREN CA 94070 Single Family Primary Purchase Standard 80.00 6387160804 DEVARAKONDA CA 95148 Single Family Primary Refinance Rapid 80.00 6390437553 REEVES CA 94403 Single Family Primary Purchase Rapid 80.00 6391885503 BEDNARCZYK CA 94043 Two Family Primary Refinance Standard 73.17 6392535297 STAHLER CA 95117 Single Family Primary Purchase Rapid 80.00 6396706167 MORELAN WA 98004 Single Family Primary Cash-out Refinance Rapid 75.00 6397085256 GIOUROUSIS CA 95125 Single Family Primary Cash-out Refinance Standard 48.38 6397173730 BETANCOURT CA 92109 Single Family Primary Cash-out Refinance Standard 70.00 6399314431 MAGGANAS CA 94611 Single Family Primary Purchase Standard 80.00 6400607146 LOCKWOOD CA 92075 Single Family Primary Refinance Standard 64.24 6401135352 NGUYEN CA 95136 Single Family Primary Refinance Rapid 80.00 6402473646 HEBERT CA 94611 Single Family Primary Cash-out Refinance Standard 50.90 6402537523 BAUR CA 94619 Single Family Primary Purchase Rapid 80.00 6402598848 HAUSMANN CA 92672 Single Family Primary Cash-out Refinance Standard 75.00 6402605684 CHRISTIAN SC 29464 Single Family Primary Purchase Rapid 80.00 6403874131 MCFALL FL 33140 Single Family Primary Refinance Standard 74.72 6404624261 TOMLINSON CT 06840 Single Family Primary Purchase Rapid 80.00 6405307031 BOUDREAU NC 28277 PUD Primary Purchase Rapid 80.00 6406499290 CLARKE GA 30019 PUD Primary Refinance Rapid 73.64 6409657845 MOSS CA 92672 Single Family Primary Cash-out Refinance Rapid 66.03 6411223552 ZENDEDELHAGHIGH CA 94536 Single Family Primary Refinance Standard 70.00 6411489575 FALK CA 94598 Single Family Primary Cash-out Refinance Standard 66.66 6411599001 COFFEY CA 95746 Single Family Primary Refinance Rapid 70.00 6412823756 BURNS TX 76092 PUD Primary Purchase Standard 79.55 6414868262 VERBITS CA 94404 PUD Primary Cash-out Refinance Standard 66.92 6415071643 TAN CA 94568 PUD Primary Purchase Rapid 71.85 6415360772 HAY SC 29464 Single Family Primary Refinance Rapid 72.48 6416521414 BUTLER CA 92861 Single Family Primary Purchase Standard 73.86 6417095574 BUSH IL 60201 Single Family Primary Refinance Rapid 64.00 6418403330 SCHREPFERMAN CA 95120 Single Family Primary Purchase Standard 80.00 6423838843 MATHAI VA 20121 PUD Primary Purchase Rapid 80.00 6424454400 CLANCEY CA 95125 Single Family Primary Purchase Rapid 80.00 6426170640 EAST CA 94583 PUD Primary Refinance Rapid 48.96 6426521966 MAGLIARO CA 94025 Single Family Primary Purchase Standard 77.75 6428638446 REGISTER II CA 94517 Single Family Primary Cash-out Refinance All Ready Home 64.28 6428703364 CARTSONIS CA 94303 PUD Primary Refinance Rapid 76.06 6430770526 MOORE CA 90265 Single Family Primary Cash-out Refinance Rapid 56.53 6431094223 ZIMMERMAN VA 22903 Single Family Primary Purchase Rapid 80.00 6432295506 POLLACK CA 91362 PUD Primary Purchase Standard 75.00 6432725205 SCHWEFEL MN 55331 Single Family Primary Refinance Standard 71.32 6433822068 BINDER CA 91030 Single Family Primary Purchase Rapid 79.99 6435576860 DIAZ CA 94544 PUD Primary Cash-out Refinance Standard 62.90 6436075144 MCCARTER WA 98006 Single Family Primary Refinance Standard 73.70 6436871526 DAVID CA 94404 Condominium Primary Purchase Rapid 80.00 6438486000 O'LEARY MD 20815 High-Rise Condo Primary Purchase Rapid 50.00 6438654862 BOESE III CA 92861 Single Family Primary Cash-out Refinance Rapid 63.81 6439283364 MEGLEN CA 92677 PUD Primary Refinance All Ready Home 58.88 6439541969 MASARACIOGLU CA 95123 Single Family Primary Purchase Rapid 80.00 6440645031 TWIETMEYER CA 94041 Single Family Primary Refinance All Ready Home 60.03 6441073464 MARGULIES CA 94085 Condominium Primary Refinance Rapid 74.56 6441989990 SNYDER CA 94517 Single Family Primary Purchase Standard 80.00 6443365439 HULL CA 95127 Single Family Primary Cash-out Refinance Standard 73.17 6445505735 NEWMAN JR CA 90272 Single Family Primary Refinance Standard 55.15 6447408979 VOLLENHALS NV 89511 Single Family Primary Refinance Rapid 61.92 6448231958 WALTERS CA 94901 Single Family Primary Refinance All Ready Home 27.18 6449777900 DAVIS CA 91356 Single Family Primary Refinance Standard 60.60 6449844247 REDDELL NV 89451 Single Family Secondary Refinance Standard 41.66 6450564239 OH CA 93924 Single Family Primary Refinance Standard 70.93 6451993528 MARRS CA 94010 Single Family Primary Cash-out Refinance Standard 59.09 6452422766 WEILER IL 60525 Single Family Primary Purchase Rapid 80.00 6456445656 EBERT GA 30342 PUD Primary Purchase Standard 79.51 6456670139 GRANT CO 80501 Single Family Primary Cash-out Refinance Standard 75.00 6458571962 WOOTON CA 93950 Single Family Secondary Cash-out Refinance Standard 42.01 6459049323 DETTLOFF CA 94062 Single Family Primary Purchase Rapid 80.00 6459051493 KISTLER CA 91320 PUD Primary Purchase Rapid 79.99 6460463844 BISHAY CA 92653 PUD Primary Refinance Standard 59.02 6463225141 SEMEL FL 33179 PUD Primary Refinance Rapid 71.00 6463774759 GALE CA 91302 PUD Primary Refinance Standard 62.58 6463970803 HOPSON SC 29910 PUD Primary Refinance All Ready Home 62.37 6464482345 NEWMAN CA 95035 Single Family Primary Refinance Rapid 67.05 6465021316 VIA CA 95008 Single Family Primary Cash-out Refinance Rapid 65.27 6466164826 SABATINE CA 95403 Single Family Primary Purchase Rapid 66.34 6468363806 BIGGERS CA 90077 Condominium Primary Refinance Rapid 74.71 6469095506 DELCARDAYRE CA 94002 Single Family Primary Cash-out Refinance Rapid 54.00 6469529652 ELSON CA 94588 PUD Primary Purchase Rapid 80.00 6470605400 MAYFIELD AZ 85259 PUD Primary Cash-out Refinance Standard 68.36 6470710572 KELLEY CA 93908 Single Family Primary Refinance Rapid 31.15 6474297634 WILLIAMS MD 20878 Single Family Primary Cash-out Refinance Standard 75.00 6474772008 LEMKE CA 90278 Single Family Primary Refinance Rapid 80.00 6475140403 EICHENBAUM III CA 94014 Single Family Primary Cash-out Refinance Standard 65.78 6478561779 KAKATKAR CA 95051 Single Family Primary Refinance Rapid 70.00 6478810036 BAKER CA 94065 PUD Primary Refinance Standard 60.22 6479104835 STAMOS CA 94611 Single Family Primary Cash-out Refinance Rapid 58.19 6479439736 BERENDES CA 92679 PUD Primary Purchase Rapid 80.00 6481372016 NICHOLS TN 37027 Single Family Primary Purchase Rapid 80.00 6484229825 GIACOMELLI JR CA 95051 Single Family Primary Refinance Rapid 74.92 6485450131 SFARD CA 94404 Single Family Primary Purchase Standard 80.00 6485902768 NEWMAN CA 92109 Single Family Primary Refinance Rapid 54.54 6485923525 HEBERT CA 94610 Single Family Primary Cash-out Refinance Standard 60.00 6486778134 THODE CA 94612 High-Rise Condo Primary Purchase Standard 80.00 6487325877 GHASSEMIAN CA 95132 Single Family Primary Refinance Rapid 69.38 6487558782 BATMANGHELICH CA 94085 Condominium Primary Cash-out Refinance Standard 75.00 6488379899 HOFFMAN CA 94558 Single Family Primary Cash-out Refinance Rapid 58.65 6488609998 SANDOVAL CA 95122 Single Family Primary Purchase Standard 95.00 6491739774 GULISANO CA 95120 PUD Primary Cash-out Refinance Standard 54.16 6493430034 AXTELL CA 92692 PUD Primary Purchase Standard 80.00 6494742809 GRAY CA 90293 Single Family Primary Purchase Standard 80.00 6495104157 LUO CA 94539 PUD Primary Refinance Rapid 53.04 6495636588 HOWELLS CA 94112 Single Family Primary Cash-out Refinance Standard 75.00 6497805249 HAUGEN CA 94010 Single Family Primary Refinance All Ready Home 50.00 6498118659 MCDONNELL III CA 94025 Single Family Primary Refinance Standard 70.00 6498320560 RUSLEY CA 94044 Single Family Primary Refinance All Ready Home 65.29 6498474474 STRACHMAN CA 95124 Single Family Primary Purchase Rapid 80.00 6499864350 MCBANE FL 33706 Single Family Primary Cash-out Refinance Standard 31.25 6503090703 COOGAN CA 94552 PUD Primary Refinance Rapid 80.00 6504106417 GADE CA 94536 Single Family Primary Cash-out Refinance Standard 75.00 6504941623 BENDERAS CA 95123 Single Family Primary Purchase Standard 80.00 6507862719 NADER CA 95124 Single Family Primary Cash-out Refinance Rapid 70.00 6508268726 OMAR CA 95492 PUD Primary Cash-out Refinance Rapid 61.53 6508594238 CARLIER AZ 85737 PUD Primary Purchase Standard 50.78 6509052327 OLSON CA 94402 Single Family Primary Refinance Standard 80.00 6509499536 JAIN CA 94404 Single Family Primary Refinance Rapid 73.79 6509737828 ANDERSON CA 94022 Single Family Primary Refinance Standard 11.36 6509807969 O'HARA CA 94116 Single Family Primary Purchase Rapid 80.00 6510709832 LEE CA 94085 Single Family Primary Refinance Rapid 64.36 6512736783 WHELAN MD 21043 PUD Primary Purchase Rapid 79.94 6513416518 WALLACE JR MD 20878 Single Family Primary Purchase Rapid 58.82 6514096939 GUINTO CA 92129 Single Family Primary Cash-out Refinance Standard 69.36 6514906574 DARLING CA 94588 Single Family Primary Cash-out Refinance Rapid 62.07 6515514864 ASH CA 95014 PUD Primary Cash-out Refinance Standard 46.42 6515596481 CHERNOW IL 60010 Single Family Primary Purchase Rapid 80.00 6517265069 ALDEA ROXAS CA 94015 Single Family Primary Cash-out Refinance Standard 71.11 6517999899 ROBLES CA 95123 Single Family Primary Cash-out Refinance Rapid 72.31 6519325911 CRONE CA 95136 Single Family Primary Refinance Rapid 47.15 6519780883 JAFFE WA 98034 Single Family Primary Purchase Standard 95.00 6520402857 VERHULST CA 90740 Single Family Primary Cash-out Refinance Rapid 60.38 6520432805 RIN FL 34103 High-Rise Condo Secondary Refinance Rapid 55.00 6520893964 OTTAVIS CA 95136 Single Family Primary Refinance Rapid 64.43 6521437415 SHEPARD CA 92109 Single Family Primary Cash-out Refinance Rapid 68.21 6521518800 SILVEIRA CA 95023 Single Family Primary Cash-out Refinance Standard 63.04 6521674892 NICHOLS CA 92210 Single Family Primary Purchase Standard 80.00 6521938263 HWANG CA 94502 PUD Primary Purchase Rapid 80.00 6521998754 PRESS IL 60062 Single Family Primary Purchase Rapid 80.00 6522444360 GRANT NM 87501 PUD Primary Refinance Rapid 40.42 6523674338 MYERS CA 95023 Single Family Primary Cash-out Refinance Standard 69.23 6523987656 MARTZ DC 20016 Single Family Primary Refinance Standard 73.61 6524255954 SANDHU CA 92130 PUD Primary Refinance Rapid 45.45 6524768683 CADIEUX CA 92069 PUD Primary Refinance Rapid 79.14 6525369671 WEBB CA 94070 Single Family Primary Refinance Rapid 65.64 6527104381 BRAXTON CA 94402 Single Family Primary Cash-out Refinance Standard 47.27 6529056753 GRUBIN CA 91316 Single Family Primary Refinance Standard 77.07 6530196499 GROVE ID 83340 Condominium Secondary Purchase Standard 79.88 6531194501 HUNTER CA 92625 Condominium Primary Purchase Rapid 75.00 6532209704 OTTMAN CA 94536 Single Family Primary Refinance Rapid 80.00 6532471098 BURGESS CA 95032 PUD Primary Refinance Rapid 42.75 6532726855 FELTER CA 94510 Single Family Primary Purchase Rapid 80.00 6532788798 MAINORD NC 28277 PUD Primary Refinance Rapid 80.00 6533511850 LACKEY TN 37027 PUD Primary Purchase Rapid 80.00 6534336356 KHAN CA 94550 Single Family Primary Purchase Standard 80.00 6534985707 FORSYTH CA 94704 Condominium Primary Refinance Standard 74.28 6536717165 ZEKANIS CA 90068 Single Family Primary Purchase Standard 89.88 6538609188 LA FLEUR CA 91030 Single Family Primary Refinance Standard 80.00 6539658739 COX CA 93921 Single Family Investor Purchase Standard 69.23 6539953189 HENDERSON MD 20659 Single Family Primary Refinance Rapid 67.44 6541309578 YOSHIOKA CA 94117 Condominium Primary Refinance All Ready Home 41.88 6543135377 NWABUEZE CA 91326 PUD Primary Refinance Standard 75.83 6543897208 RANIERI MA 02115 Condominium Primary Cash-out Refinance Standard 51.33 6545424233 MANUEL CA 95746 PUD Primary Purchase Rapid 54.59 6545641133 LAVOIE CA 94930 Single Family Primary Purchase Rapid 80.00 6546392918 ROSSI JR CA 94301 Single Family Primary Refinance Standard 14.52 6547500980 REEDER CA 92629 PUD Primary Refinance Standard 56.48 6551375873 HARRISON CA 94019 Single Family Primary Cash-out Refinance Rapid 62.01 6551581272 HAUK CA 94965 Single Family Primary Cash-out Refinance Standard 53.26 6552411859 KAPLAN NM 87501 Single Family Secondary Purchase Rapid 64.07 6552771674 SCALISE CA 91364 Single Family Primary Refinance Rapid 70.00 6553648764 BELLANTI CA 94402 Single Family Primary Refinance Rapid 65.56 6553778215 GOLDBECK CA 92037 Single Family Primary Cash-out Refinance Standard 54.16 6554178688 RIGAL CA 94556 Single Family Primary Cash-out Refinance Rapid 75.00 6554526936 ROBINSON CA 94559 PUD Primary Refinance Rapid 60.86 6555145579 COSENTINO CA 94580 PUD Primary Cash-out Refinance Standard 79.20 6555332805 HANOVER IL 60062 Single Family Primary Cash-out Refinance Rapid 75.00 6555635256 BALMER FL 34103 Condominium Secondary Cash-out Refinance Standard 66.66 6555716684 THOMPSON CA 94903 Single Family Primary Cash-out Refinance Standard 53.10 6556219035 FINER CA 94062 PUD Primary Refinance Stated 23.91 6557027890 SCHWARZBART CA 94901 Single Family Primary Cash-out Refinance Rapid 50.00 6558476070 BURKE CO 80126 PUD Primary Refinance Rapid 80.00 6559349532 RANDHAWA SC 29072 PUD Primary Refinance Standard 80.00 6560089846 MAKHANOV CA 94121 Single Family Primary Purchase Standard 80.00 6560178813 TIANGCO CA 94587 Single Family Primary Refinance Rapid 77.92 6563083358 LOBEL CA 92657 PUD Primary Refinance All Ready Home 44.37 6563580379 IMBURGIA NV 89511 PUD Secondary Purchase Rapid 80.00 6565019749 GALE CA 94402 Single Family Primary Refinance Rapid 78.76 6565423107 MARCELLI CO 80424 PUD Primary Cash-out Refinance Standard 56.65 6567547234 KAELL CA 94558 Single Family Primary Purchase Rapid 79.79 6567667610 TARANTOLA CA 94127 Single Family Primary Cash-out Refinance Standard 69.35 6568708512 JETER MD 20878 Single Family Primary Cash-out Refinance Standard 80.00 6572095229 MULLINS CA 95136 Single Family Primary Purchase Standard 80.00 6572742960 GONZALES CA 95014 Single Family Primary Refinance Rapid 45.77 6574955271 LIM CA 95116 PUD Primary Refinance Rapid 75.46 6576515958 ZIVKOVIC CA 92009 PUD Primary Refinance Standard 80.00 6576665241 ADERHOLD TN 37205 PUD Primary Purchase Rapid 72.00 6578682525 SHADID CA 94928 Single Family Primary Refinance Standard 65.62 6579453454 WALTERS MO 63141 PUD Primary Purchase Rapid 63.15 6580156229 HABIBI CA 94538 PUD Primary Cash-out Refinance Standard 73.88 6582212434 KAPLAN CA 90274 Single Family Primary Refinance Standard 46.80 6582612278 GOLDBERG MD 20878 PUD Primary Refinance Standard 52.20 6582631633 LOSENDO CA 95127 Single Family Primary Cash-out Refinance Standard 69.40 6583021537 BROWN CA 90605 Single Family Primary Cash-out Refinance Standard 72.72 6583983181 EISIMINGER CA 94558 Single Family Primary Refinance Rapid 49.39 6586104702 ZELIKOWSKY CA 90210 Single Family Primary Refinance Standard 34.48 6586852094 KING SC 29928 Condominium Secondary Purchase Rapid 80.00 6587076347 AGARWAL CA 94107 Condominium Primary Purchase Standard 66.21 6587380350 HARPER CA 92121 PUD Primary Purchase Standard 80.00 6588336005 TRAN CA 95111 PUD Primary Cash-out Refinance Standard 71.76 6588877636 FIELD CA 94585 Single Family Primary Cash-out Refinance Rapid 75.00 6589857215 BISSELL III CA 90045 Single Family Primary Cash-out Refinance Standard 69.33 6590332810 CHASE NC 27516 PUD Primary Cash-out Refinance Standard 72.10 6590414063 SHERRILL GA 30041 Single Family Primary Refinance Rapid 65.00 6591339855 KATZ FL 33140 High-Rise Condo Primary Purchase Rapid 90.00 6593193862 SHARP CA 94563 Single Family Primary Cash-out Refinance Rapid 42.10 6593328799 ARCELLANA CA 94605 Single Family Primary Cash-out Refinance Standard 50.53 6595082576 MORLEY CA 94404 Condominium Primary Cash-out Refinance Standard 58.71 6596202785 KILROY JR TX 77024 Single Family Primary Refinance All Ready Home 64.43 6598022983 FARAZIAN CA 94611 Single Family Primary Refinance Rapid 48.33 6598055736 SHARMA CA 95129 Single Family Primary Purchase Standard 74.28 6599143853 CARROLL CA 94070 Single Family Primary Refinance Standard 63.75 6601805309 KRETCHMER OR 97702 Single Family Primary Refinance Standard 70.00 6603430189 RENFREW CA 94131 Single Family Primary Refinance Rapid 69.67 6603602969 HASAN NC 28210 PUD Primary Cash-out Refinance Standard 62.89 6604341278 MAHENDRU CA 91307 PUD Primary Purchase Standard 80.00 6604952280 HAMMARSKJOLD FL 34145 Single Family Secondary Purchase Rapid 69.56 6606638432 VENO CA 94404 Single Family Primary Refinance Standard 75.00 6608766397 NARANCIC CA 94063 Single Family Primary Refinance Standard 69.14 6609516205 LITTLE CA 94925 Single Family Primary Purchase Standard 80.00 6610191279 TATARIAN CA 92675 PUD Primary Refinance Rapid 47.22 6610274463 RIX CA 96150 PUD Primary Cash-out Refinance Standard 68.45 6612924800 GROSSMAN MD 20901 Single Family Primary Purchase Standard 80.00 6614481114 MCCLURE CA 90740 Two Family Primary Refinance All Ready Home 62.63 6614852918 PETERSEN CA 94114 Single Family Primary Purchase Rapid 80.00 6615295497 AKERMAN CA 94062 Single Family Primary Refinance Rapid 16.66 6616744808 FRESTON SC 29455 PUD Secondary Refinance Standard 49.33 6618030990 BANTLY CA 94925 Single Family Primary Cash-out Refinance Standard 64.54 6620629813 BRENEMAN CA 92625 Single Family Primary Purchase Rapid 61.53 6624750151 BENSUSSEN CA 90402 Single Family Primary Refinance Rapid 26.30 6624811359 WILSON CA 94022 Single Family Primary Cash-out Refinance Rapid 31.48 6625439853 STEWART FL 34110 PUD Primary Purchase Rapid 80.00 6626017880 BRIDGEWATER NV 89014 PUD Primary Purchase Standard 58.76 6626585308 GALATEA CA 95120 Single Family Primary Refinance Rapid 64.00 6627910901 NAKAMURA CA 92602 PUD Primary Refinance Standard 65.15 6628677905 GINSBERG CA 90272 Single Family Primary Purchase Standard 75.00 6631229611 RINO CA 95377 PUD Primary Purchase Standard 54.53 6631785307 STERLING WA 98831 Single Family Secondary Purchase Standard 68.42 6633425811 HOOKER CA 92064 PUD Primary Cash-out Refinance Standard 60.10 6633513996 BAZINETT CA 94087 Single Family Primary Cash-out Refinance Standard 46.99 6634628066 COLAIZZI CA 94070 Single Family Primary Cash-out Refinance Standard 66.47 6635682302 SANFORD AZ 85259 Single Family Secondary Purchase Standard 75.00 6638232048 LAPINSKI FL 33467 PUD Primary Purchase Rapid 80.00 6639856068 SHAMSAVARI CA 94947 PUD Primary Refinance Standard 62.87 6643074203 RUBIN MD 21030 PUD Primary Purchase Standard 80.00 6643355636 FASSIOTTO CA 94526 PUD Primary Purchase Rapid 70.00 6643681734 SINGLETON CA 95046 Single Family Primary Cash-out Refinance Rapid 60.71 6643699546 CARRILLO CA 95020 Single Family Primary Cash-out Refinance Standard 70.00 6643842476 CARUSO CA 92677 PUD Primary Refinance All Ready Home 71.42 6644031475 GEARY JR IL 60048 Single Family Primary Purchase Rapid 53.63 6647237061 COBIELLA FL 34996 Single Family Primary Purchase Rapid 80.00 6647766689 WILKINSON CA 94515 Single Family Primary Refinance Standard 65.22 6647907515 MEADOR ME 04609 Single Family Secondary Purchase Standard 72.72 6648290887 ROBINSON CA 94110 Condominium Primary Purchase Stated 80.00 6649037881 COLEY CA 94065 Single Family Primary Refinance Standard 75.75 6649333405 PHILLIPS CA 94002 Single Family Primary Purchase Rapid 80.00 6649419626 BOKMAN CA 94568 Condominium Primary Purchase Rapid 89.99 6650747634 RIDER MT 59911 Single Family Secondary Purchase Standard 80.00 6652344273 KREIDL CA 94024 PUD Primary Purchase Rapid 79.91 6654128799 RUIZ CA 94545 Single Family Primary Purchase Standard 88.00 6655451968 BREWER CA 92677 PUD Primary Cash-out Refinance Rapid 64.81 6656811558 METZ TX 75019 PUD Primary Purchase Standard 76.81 6656918262 OLZAWSKI VA 22124 Single Family Primary Cash-out Refinance Standard 70.00 6658798126 ANDERSON WA 98136 Single Family Primary Purchase Standard 73.03 6659530148 PORTNOY MD 20854 PUD Primary Refinance Rapid 70.27 6659814765 CHICCA CA 95070 Single Family Primary Purchase Rapid 42.72 6661437142 QUIJANO CA 95131 Condominium Primary Refinance Rapid 74.20 6664576078 PATANKAR CA 95124 Single Family Primary Purchase Rapid 80.00 6665380165 SAPOSHNIK CA 92672 Single Family Primary Purchase Rapid 80.00 6665570245 COPPOLA HI 96734 Single Family Primary Purchase Standard 80.00 6667899477 ELLISON CA 94107 Condominium Primary Purchase Reduced 80.00 6669962166 MELLING TN 37027 Single Family Primary Refinance Standard 69.67 6671765714 MARTIN CA 94960 Single Family Primary Refinance Rapid 30.67 6671949144 APPLEBURY CA 94549 Single Family Primary Cash-out Refinance Standard 59.01 6673066590 CONNOR CO 80004 Single Family Primary Purchase Rapid 80.00 6674158933 LEE CA 93012 PUD Primary Purchase Rapid 70.00 6674160939 ALLEN-SIEGFRIED CA 94526 Single Family Primary Refinance Standard 35.07 6674408643 REMILLARD SC 29403 Single Family Primary Purchase Rapid 80.00 6674570947 FABRIZZI CA 94561 Single Family Primary Purchase Rapid 80.00 6676611228 HOFSTEDT CA 94062 Single Family Primary Refinance Rapid 45.16 6679052529 WELLBANK JR CA 92679 PUD Primary Cash-out Refinance Rapid 60.00 6679635323 LEE CA 92612 PUD Primary Purchase Rapid 75.00 6680232813 PARROTTA CA 92101 High-Rise Condo Primary Purchase Rapid 80.00 6681963440 STROUD II CA 94702 Single Family Primary Refinance Standard 79.82 6682175424 BAKER CA 94062 Single Family Primary Purchase Rapid 72.72 6683418716 LEE CA 91206 Single Family Primary Refinance Rapid 80.00 6684783266 DAI CA 95014 PUD Primary Refinance Standard 74.22 6687759727 GREENFIELD DC 20015 Townhouse Primary Purchase Standard 80.00 6691294026 DEMOULIN CA 91011 Single Family Primary Refinance Standard 69.60 6691776741 JAGANATHAN CA 94404 Condominium Primary Refinance Rapid 72.87 6693419860 HOYLE MO 63128 PUD Primary Refinance Rapid 86.95 6695110822 PATE MD 21037 PUD Primary Purchase Rapid 80.00 6701175918 SOLOFF CA 94705 Single Family Primary Purchase Rapid 80.00 6705892864 WENIG CA 94941 Single Family Primary Refinance Standard 78.78 6707099591 WEIDOFF JR CA 95746 Single Family Primary Cash-out Refinance Standard 66.66 6710555456 LONERGAN CA 92037 Single Family Primary Refinance All Ready Home 33.20 6710642239 MULLIGAN DC 20008 Condominium Primary Refinance All Ready Home 53.41 6710868909 HARRIS MO 63011 Single Family Primary Purchase Rapid 79.99 6711494226 ZAVALA CA 94596 Single Family Primary Purchase Standard 80.00 6715083165 PEARSON VA 22207 Single Family Primary Purchase Rapid 80.00 6715146582 DAMMU CA 94544 PUD Primary Purchase Standard 80.00 6716254609 CAFFESE CA 94112 Single Family Primary Purchase Rapid 80.00 6717790510 ALBERT CA 92009 PUD Primary Refinance Rapid 69.96 6718430835 MANUEL CA 94080 Condominium Primary Purchase Rapid 89.87 6720372215 JOHST CA 95023 Single Family Primary Refinance Standard 80.00 6720595534 ASHFIELD JR CA 90732 Single Family Primary Purchase Standard 80.00 6722223879 GUHA CA 95035 PUD Primary Refinance Standard 75.00 6722803415 YU CA 91016 Single Family Primary Purchase Rapid 69.69 6723802929 THOMPSON MD 20815 Single Family Primary Refinance Standard 41.77 6724154783 PELL CA 92677 Condominium Primary Refinance Rapid 78.76 6725261207 MILLER CA 92178 Single Family Primary Purchase Rapid 80.00 6725326794 JOHNSON MD 20817 Single Family Primary Cash-out Refinance Standard 69.65 6725485459 ESPINOZA CA 95476 Single Family Secondary Purchase Rapid 75.00 6727739085 DAVIS CA 90275 Single Family Primary Cash-out Refinance Rapid 59.70 6728562098 LUTZ CO 81632 PUD Primary Refinance Rapid 80.00 6730732119 HOOKER MN 55447 Single Family Primary Cash-out Refinance Standard 75.00 6730812853 KALISH CA 94404 PUD Primary Purchase Standard 77.38 6733645458 HONE CA 92027 PUD Primary Purchase Standard 78.13 6735167469 WARD NC 28468 Single Family Secondary Purchase Rapid 79.06 6735574177 LUND VA 22314 PUD Primary Purchase Rapid 80.00 6737553823 DUDELSON CA 91302 PUD Primary Cash-out Refinance Rapid 45.13 6739473152 SHOUGH CA 95125 Single Family Primary Cash-out Refinance Standard 68.96 6740408981 BELLISARIO CA 92130 PUD Primary Refinance Rapid 78.23 6741169699 SERANO CA 90293 Condominium Primary Cash-out Refinance Rapid 68.78 6741933540 DEAN CA 95008 Single Family Primary Refinance Rapid 66.65 6742888354 BECKER CA 94952 Single Family Primary Purchase Rapid 69.69 6743370899 SMITH CA 90274 Single Family Primary Purchase Standard 46.26 6743528538 CWIK CA 91304 PUD Primary Purchase Rapid 80.00 6745921079 WHEELER CA 94585 Single Family Primary Purchase Standard 80.00 6748399125 ROSSETTI VA 22041 PUD Primary Purchase Rapid 80.00 6749455314 SCHAPIRO FL 34102 High-Rise Condo Secondary Purchase Standard 38.23 6751610079 TAYLOR CA 94517 Single Family Primary Cash-out Refinance Standard 53.93 6753469813 SOLODKO CA 92629 PUD Primary Refinance Standard 77.74 6754252937 WRITER CO 80439 Single Family Primary Purchase Rapid 80.00 6755244982 ROBERTS CA 92315 Single Family Secondary Purchase Rapid 76.19 6755674899 EDGERTON GA 30342 PUD Primary Purchase Rapid 64.56 6756111131 YAKOUSHKIN-POWE CA 94030 Single Family Primary Cash-out Refinance Standard 69.67 6759936583 MOSER CA 94114 Single Family Primary Refinance Standard 78.93 6760700911 NEWMAN DC 20016 Single Family Primary Purchase Standard 59.56 6761469342 TURSI CA 92675 Single Family Primary Cash-out Refinance Standard 50.31 6762158993 BAJWA CA 94539 Single Family Primary Cash-out Refinance Standard 46.24 6762867221 NONNENMACHER CA 94085 Single Family Primary Refinance Rapid 67.69 6765469470 SHERRARD CA 94303 PUD Primary Purchase Rapid 80.00 6766421488 WILSON CA 94010 Single Family Primary Purchase Standard 80.00 6766826199 RHAMES CA 90402 Single Family Secondary Purchase Standard 71.42 6766838723 KUMMER DC 20007 High-Rise Condo Primary Purchase Rapid 80.00 6767168724 REGUEIRO CA 92692 PUD Primary Purchase Standard 80.00 6768449651 OUELLETTE CA 94574 Single Family Primary Cash-out Refinance Standard 59.05 6770320338 FOLEY HI 96740 Condominium Secondary Refinance Rapid 20.40 6770554183 CLIFFORD CA 94010 Two Family Primary Purchase Standard 75.00 6770827001 HOWARD CA 95476 Single Family Primary Cash-out Refinance Rapid 40.85 6771081079 LEE CA 95065 Single Family Primary Refinance Rapid 76.84 6771249502 RIZZI NC 28540 Single Family Primary Purchase Rapid 79.06 6771384010 SINGH CA 94530 Single Family Primary Purchase Rapid 50.00 6772737463 EMMETT CA 95030 Single Family Primary Refinance Rapid 68.92 6773071847 NATIVIDAD CA 94066 Single Family Primary Purchase Standard 80.00 6773318479 CATENA CA 90501 Single Family Primary Purchase Rapid 80.00 6773347817 LIVINGOOD GA 31410 PUD Primary Purchase Standard 72.72 6773849432 WRIGHT JR CA 94062 Single Family Primary Cash-out Refinance Rapid 53.37 6774169095 REIMANN CA 94610 Single Family Primary Cash-out Refinance Standard 44.44 6774838707 SULLIVAN CA 94107 Single Family Primary Cash-out Refinance Standard 42.85 6774880261 TAWIL CA 91362 Single Family Primary Refinance Standard 80.00 6777002798 GERBE NC 28451 PUD Primary Refinance Standard 78.74 6777600716 BELK MD 20854 Single Family Primary Purchase Rapid 80.00 6777829539 JOHNSTON WI 54403 Single Family Primary Refinance Standard 95.00 6779785267 HALE CA 94402 Single Family Primary Cash-out Refinance Standard 60.90 6780128234 BEATTY CA 94901 Single Family Primary Refinance Rapid 44.39 6781110686 THOMAS GA 30067 PUD Primary Cash-out Refinance Rapid 69.38 6783090985 LIM CA 94121 Single Family Primary Purchase Standard 80.00 6785568376 SHENOY CA 95148 Single Family Primary Refinance Rapid 70.00 6788133749 SOLIDUM CA 91001 Single Family Primary Purchase Standard 80.00 6788584123 HASENEI VA 22205 Single Family Primary Purchase Standard 80.00 6790423518 LEONARD MA 02139 Condominium Primary Purchase Rapid 74.94 6790508482 VARGAS CA 95127 Single Family Primary Purchase Reduced 95.00 6791355867 SIMHAMBHATLA CA 95129 PUD Primary Cash-out Refinance Rapid 61.55 6792586031 YATES II CA 92663 PUD Primary Cash-out Refinance Rapid 35.45 6793164176 DOSS CA 94952 Single Family Primary Purchase Rapid 78.00 6794665833 MECWAN CA 95070 Single Family Primary Refinance Rapid 61.11 6794769106 WILSON CA 90272 Single Family Primary Refinance Standard 37.03 6795286761 WILSON CA 94566 PUD Primary Refinance Standard 60.87 6798992704 MASON CA 94070 Single Family Primary Purchase Standard 80.00 6799205676 SOWELL TX 76092 PUD Primary Purchase Standard 80.00 6800267434 GADDIS CA 95033 Single Family Primary Cash-out Refinance Standard 70.00 6802924024 GOLDBERG CA 95123 Single Family Primary Purchase Rapid 80.00 6803198818 TREADWELL VA 22182 PUD Primary Purchase Standard 74.99 6803544417 LEIKER NY 13360 Single Family Secondary Purchase Standard 50.00 6803611901 KING WA 98029 Single Family Primary Purchase Standard 66.66 6806939325 CUTAJAR CA 94070 Single Family Primary Purchase Rapid 80.00 6807450728 JENSEN SD 57702 Single Family Primary Cash-out Refinance Rapid 75.00 6807601536 HUGEL MD 21122 Single Family Primary Refinance Rapid 48.31 6807916355 BAKER FL 34292 Single Family Primary Cash-out Refinance Standard 40.54 6808455346 BERTUCCI JR CA 94114 Single Family Primary Purchase Rapid 41.45 6808565797 ALLEN CT 06903 Single Family Primary Purchase Rapid 80.00 6808980491 MCALLISTER CA 95128 Single Family Primary Refinance Standard 80.00 6809230961 ROBERTSON IL 60637 PUD Primary Purchase Rapid 80.00 6810418308 BOWLEY CA 94025 Single Family Primary Cash-out Refinance Rapid 56.88 6812155692 SINGLETON GA 30327 Single Family Primary Cash-out Refinance Rapid 28.12 6812178751 BACON MO 63131 Single Family Primary Refinance Standard 79.00 6816935305 MURPHY CA 94401 Single Family Primary Cash-out Refinance Standard 75.00 6817094136 LICHTER FL 34119 PUD Secondary Refinance Rapid 50.00 6818985332 HILL CA 93111 Single Family Primary Purchase Rapid 80.00 6820700422 VELASQUEZ CA 90402 High-Rise Condo Primary Cash-out Refinance Rapid 48.29 6822145535 SANCHEZ CA 94066 Single Family Primary Refinance Standard 79.31 6822298870 RUTLEN CA 95032 Single Family Primary Refinance Rapid 48.86 6822800691 GREENHILL SC 29928 PUD Secondary Purchase Standard 45.94 6823312894 BELL CA 95070 Single Family Primary Refinance Rapid 32.78 6823818296 KUCHINSKY CA 94127 Single Family Primary Refinance Standard 62.48 6823864696 BEN-OR FL 33469 Single Family Secondary Purchase Rapid 53.84 6825472993 SPOHN CA 94563 Single Family Primary Cash-out Refinance Standard 67.79 6825741009 GORRELL CA 92677 PUD Primary Refinance All Ready Home 43.10 6828527165 WRIGHT NV 89509 PUD Primary Purchase Standard 80.00 6830611239 COLE CA 95030 Single Family Primary Refinance Rapid 38.67 6830649635 BREW CA 90272 Single Family Primary Refinance Rapid 76.29 6833561035 GALLAGHER KY 40513 PUD Primary Purchase Standard 80.00 6833733253 HEIL CO 80906 PUD Primary Refinance Rapid 70.82 6833818435 NUNN CA 94546 Single Family Primary Refinance Standard 80.00 6835486744 NULL CA 94550 Single Family Primary Cash-out Refinance Rapid 80.00 6838722574 NEUSTAEDTER KS 66207 PUD Primary Purchase Rapid 80.00 6841510859 CAMPBELL CA 95032 Single Family Primary Refinance Rapid 42.55 6842060169 RIVERA CA 90027 Single Family Primary Cash-out Refinance Standard 75.00 6843877272 HOWTON SR CA 92029 PUD Primary Refinance Rapid 67.24 6844455755 MARINO CA 94107 Condominium Primary Purchase Standard 80.00 6844536596 PADMANABHAN CA 95135 PUD Primary Refinance Rapid 70.00 6844649886 ROBINSON DC 20015 Single Family Primary Purchase Rapid 80.00 6844675477 LEE CA 94086 Single Family Primary Purchase Rapid 78.94 6844876372 MEADE CA 94558 Single Family Primary Purchase Standard 90.00 6845976221 LEONG CA 95404 PUD Primary Purchase Rapid 79.88 6847330187 COMPEAU CA 94114 Condominium Primary Purchase Standard 80.00 6847364194 GELAVIS DC 20016 Single Family Primary Purchase Standard 73.17 6848621071 CURTIS SR FL 34145 Single Family Primary Refinance Rapid 54.05 6848723950 TRAVAGLI CA 94509 PUD Primary Purchase Rapid 79.99 6849011132 SALDIVAR CA 95125 Single Family Primary Purchase Rapid 78.99 6851375698 ELLSWORTH CA 92663 Single Family Primary Cash-out Refinance Standard 62.55 6853180906 MASTERSON FL 33606 Single Family Primary Purchase Rapid 80.00 6853852009 DELVENTURA GA 30078 Single Family Primary Purchase Rapid 74.78 6856108060 MCNAUGHT CA 95018 Single Family Primary Refinance Rapid 80.00 6856445702 HILL JR CA 91105 Single Family Primary Purchase Standard 80.00 6858728311 PARCHMAN TX 78733 PUD Primary Refinance Standard 62.41 6859358282 OUDERKIRK MD 20814 Single Family Primary Refinance Standard 75.47 6859423813 BENCHLEY FL 33133 High-Rise Condo Primary Purchase Reduced 80.00 6863945454 MASTALER CA 92064 Single Family Primary Refinance Standard 61.75 6864337511 KELLER CA 94558 Single Family Primary Cash-out Refinance Standard 69.44 6865117607 HUDSON NC 28428 PUD Primary Refinance All Ready Home 72.72 6865679697 WORRELL CA 95124 Single Family Primary Purchase Rapid 80.00 6866235457 SMILEY-KLINGLER CA 94066 Single Family Primary Purchase Rapid 80.00 6866431874 ALBRIGHT CA 90278 Single Family Primary Purchase Standard 80.00 6867011345 CONTI CA 94402 Single Family Primary Cash-out Refinance Standard 45.73 6867230309 RIESCHEL CA 94949 Single Family Primary Cash-out Refinance Rapid 56.23 6868604031 CHANG CA 94588 PUD Primary Refinance Rapid 44.82 6870530646 MARINOS CA 94080 Single Family Primary Purchase Standard 74.11 6870580799 MIREMADI CA 92612 PUD Primary Refinance Standard 72.47 6871634082 GOLDBERG CA 91316 Single Family Primary Refinance Standard 30.80 6872768897 WINTER CA 94920 Single Family Primary Cash-out Refinance Standard 26.78 6873087479 HOVENIC CA 92064 PUD Primary Purchase Rapid 77.47 6873338195 NELSON CA 95003 Single Family Primary Cash-out Refinance Rapid 56.00 6873527243 COVICH WA 98199 Single Family Primary Cash-out Refinance Rapid 62.99 6873925157 INNES CA 92064 Single Family Primary Refinance Rapid 35.86 6874614578 STRANDBERG CA 94708 Single Family Primary Refinance Standard 50.67 6874796904 DEFRINO MD 20854 PUD Primary Purchase Rapid 80.00 6875201318 MCGUIRE CA 90266 Single Family Primary Purchase Rapid 62.69 6875354893 BURLEY CA 94550 Single Family Primary Cash-out Refinance Standard 65.14 6876037596 REDDY CA 95138 PUD Primary Refinance Standard 46.51 6876260321 LUTZ IL 60093 Single Family Primary Refinance Standard 39.48 6878800405 WILKINSON CA 94515 Single Family Primary Refinance Rapid 65.25 6879393921 MACNAUGHTON CA 94066 Single Family Primary Purchase Standard 80.00 6881827247 BHARGAVA CA 95035 Single Family Primary Purchase Rapid 80.00 6882339515 BELL NC 28207 Single Family Primary Cash-out Refinance Standard 65.00 6882793752 PETERSEN CA 95062 PUD Secondary Refinance Rapid 75.76 6882872465 MARGULEAS CA 90272 Single Family Primary Purchase Standard 79.93 6883173723 LAM CA 92614 PUD Primary Refinance Rapid 80.00 6883492354 NAGAO CA 95650 PUD Primary Refinance Standard 74.38 6883543362 PANGILINAN CA 91765 Single Family Primary Refinance Rapid 70.21 6885278587 RUMMAGE NC 28277 PUD Primary Refinance All Ready Home 32.67 6890995381 MEEKS CA 93908 PUD Primary Purchase Rapid 80.00 6891300581 KHOURY CA 94558 Single Family Primary Purchase Standard 80.00 6893215951 CONTRERAS FL 33131 High-Rise Condo Primary Purchase Standard 90.00 6894403978 LOEB WA 98109 Single Family Primary Cash-out Refinance Standard 66.66 6895768510 DEABATE SC 29926 PUD Primary Purchase Standard 90.00 6896799068 HIRAHARA CA 95670 PUD Primary Purchase Standard 77.95 6897854573 JABRI CA 94404 Single Family Primary Refinance Rapid 66.57 6898062275 FOSSUM CA 94022 Single Family Primary Refinance Standard 50.58 6898173247 PIPER CA 94027 Single Family Primary Purchase Standard 24.39 6899784117 MORRIS CA 94103 Condominium Primary Cash-out Refinance Rapid 63.75 6900361012 COLYVAS CA 94115 Condominium Primary Refinance Standard 80.00 6900448827 ROBERTS FL 33149 Single Family Primary Purchase Standard 80.00 6901606670 TAVORMINA NV 89451 Single Family Primary Purchase Standard 56.52 6902406369 CUNNINGHAM CA 94061 Single Family Primary Purchase Rapid 80.00 6902813119 EDESAN CA 94080 Single Family Primary Purchase Standard 80.00 6903154208 HALL CA 92627 PUD Primary Refinance Rapid 79.12 6903772173 HOLT GA 30339 Single Family Primary Cash-out Refinance Standard 41.02 6903881941 DURAND CA 95120 Single Family Primary Refinance Standard 69.53 6904187496 HUGHES JR CA 93546 Single Family Secondary Refinance Rapid 47.00 6904393086 DWORAK CA 90266 Single Family Primary Refinance Rapid 80.00 6907840604 SHARIF CA 92677 Single Family Primary Refinance All Ready Home 79.94 6908549790 NAIDU CA 94536 Single Family Primary Cash-out Refinance Standard 55.62 6909525955 KIM CA 94127 Single Family Primary Refinance Standard 78.32 6909689108 FLOORE CA 94131 Two Family Primary Cash-out Refinance Standard 53.63 6910667796 WEISBEIN CA 90266 Single Family Primary Purchase Rapid 78.20 6915188699 KRPATA CA 94118 Condominium Primary Purchase Rapid 80.00 6916139634 KIMMEL CA 92692 PUD Primary Cash-out Refinance Standard 58.18 6916141556 GOLDBERG CA 90275 Single Family Secondary Purchase Rapid 37.50 6916798843 SIEGEL CA 92646 Single Family Primary Purchase Rapid 80.00 6916965152 AKHAVAIN MD 20854 Single Family Primary Refinance Rapid 57.07 6918390458 SCOTT WA 98103 Single Family Primary Purchase Standard 80.00 6918569978 PERSON MD 20895 Single Family Primary Refinance Rapid 60.45 6919549615 GILL CA 92679 PUD Primary Refinance Rapid 69.90 6921280829 PHILLIPS CA 94303 Single Family Primary Refinance Rapid 36.92 6921925076 OSBORN CA 92374 Single Family Primary Purchase Rapid 80.00 6922182420 HOLMES DC 20010 Single Family Primary Refinance Rapid 75.25 6922441578 SOSA CA 95062 Single Family Primary Cash-out Refinance Standard 58.80 6922454498 COSTELLO CA 92625 Condominium Primary Purchase Rapid 70.00 6924327437 SAVCHUK MD 20854 PUD Primary Purchase Rapid 80.00 6925848431 JARRETT CA 95118 Single Family Primary Cash-out Refinance Standard 69.66 6927913761 ROSE CA 95124 Single Family Primary Refinance Rapid 80.00 6928088191 NGUYEN CA 95148 Single Family Primary Cash-out Refinance Standard 75.00 6929777446 SILVERBERG SC 29928 PUD Secondary Cash-out Refinance Standard 50.00 6932485664 NAPETIAN CA 94044 Single Family Primary Purchase Rapid 80.00 6933446806 DEJACOMO CA 92677 PUD Primary Cash-out Refinance Rapid 63.49 6934128528 CHIN CA 94566 PUD Primary Refinance Rapid 23.52 6934513133 LEAHY MD 20854 Single Family Primary Refinance Standard 73.71 6934529428 CHOI CA 92612 PUD Primary Refinance Rapid 68.18 6935734308 RAMIREZ CA 94577 Single Family Primary Purchase Standard 95.00 6936081477 ANDERSON GA 30309 Condominium Primary Purchase Rapid 80.00 6936914248 SINGH CA 92009 Single Family Primary Refinance Rapid 69.28 6937372024 LICHTER CA 90219 Single Family Primary Cash-out Refinance Standard 80.00 6941247816 BROOKS GA 30024 PUD Primary Purchase Standard 80.00 6941613082 SCHELTER CA 91377 PUD Primary Purchase Rapid 73.00 6941946250 PETRAGLIA CA 91604 Single Family Primary Refinance Standard 68.69 6943390903 OATEY CA 92270 PUD Primary Purchase Standard 79.99 6944099537 REEVE TN 37205 Single Family Primary Refinance Standard 76.47 6944299145 SIMON CA 94403 Single Family Primary Cash-out Refinance Standard 74.87 6944798286 MECKLEY WA 98075 Single Family Primary Purchase Standard 80.00 6945747514 BRAWER CA 90266 PUD Primary Purchase Standard 80.00 6945802152 SCHAEFER SC 29926 PUD Primary Purchase Rapid 73.81 6946053243 DO CA 95131 PUD Primary Cash-out Refinance Standard 75.00 6946967756 PRASAD CA 94536 Single Family Primary Purchase Rapid 69.10 6947141336 MARTSON CA 94107 Condominium Primary Refinance Standard 75.87 6947509763 KULKARNI CA 92692 PUD Primary Refinance Rapid 69.58 6949288002 STOWE CA 92672 Single Family Primary Purchase Rapid 80.00 6950692324 SCOBEY CA 95404 PUD Primary Cash-out Refinance Standard 54.54 6950790854 AQUINO CA 94806 PUD Primary Purchase Rapid 79.99 6951033221 KEEGAN CA 94131 Condominium Primary Refinance Rapid 42.00 6952438411 VALDEMORO FL 33131 High-Rise Condo Primary Purchase Standard 80.00 6953916233 BATES AZ 85262 PUD Investor Purchase Standard 65.00 6955525370 PETERSON CA 94960 Single Family Primary Cash-out Refinance Standard 66.37 6955601031 MOSS FL 33767 High-Rise Condo Primary Cash-out Refinance Reduced 75.00 6955815789 STRAND MN 55304 Single Family Primary Purchase Rapid 80.00 6955954794 JONES CA 92651 Single Family Primary Cash-out Refinance Rapid 43.33 6957908012 ASPENGREN CA 92587 PUD Primary Purchase Standard 80.00 6958307966 LLAMAS III CA 94539 Single Family Primary Refinance Rapid 69.05 6958345701 BENNETT CA 90210 Single Family Primary Purchase Standard 32.84 6958556216 WANGLER CO 80433 Single Family Primary Purchase Standard 90.00 6958984640 TINGLEY CA 92629 Single Family Primary Refinance All Ready Home 51.48 6959219541 SMITH CA 93003 Single Family Primary Purchase Standard 80.00 6959834273 FERRAN CA 92024 Condominium Primary Refinance Standard 69.01 6960173448 EASTON CA 91364 Single Family Primary Refinance Standard 62.97 6960387154 EVERETT CA 91103 Single Family Primary Cash-out Refinance Rapid 48.92 6960514849 LEWANDOWSKI CA 92602 PUD Primary Purchase Rapid 79.97 6962289069 WEBER FL 33602 PUD Primary Purchase Standard 74.28 6962682263 MARTOGLIO CA 94588 PUD Primary Refinance Rapid 31.40 6963148371 WELLS CA 94010 Single Family Primary Purchase Standard 80.00 6963431975 RENNELS CA 94070 Single Family Primary Cash-out Refinance Rapid 70.42 6966676154 HERFINDAHL CA 94533 PUD Primary Cash-out Refinance Standard 70.00 6968634177 NEILL CA 91384 Single Family Primary Purchase Rapid 80.00 6968734241 PEDRINI NV 89509 PUD Primary Refinance Standard 41.58 6970166804 LETTERMAN CA 90068 Single Family Primary Refinance All Ready Home 58.40 6971282600 EUM CA 94065 Condominium Primary Purchase Rapid 80.00 6971340317 HOLINGER CA 92009 PUD Primary Cash-out Refinance Rapid 65.50 6972327446 SCHNEIDER CA 90254 Single Family Primary Refinance Standard 51.50 6976908423 MOORE CA 94506 Single Family Primary Refinance Rapid 38.83 6980529223 JOHNSON JR MD 20764 Single Family Primary Cash-out Refinance Rapid 75.00 6981190876 TSCHANN CA 94903 PUD Primary Purchase Standard 73.46 6982176627 OLEFSKY CA 92075 Single Family Primary Cash-out Refinance Rapid 56.00 6982464262 SALIU CA 90275 PUD Primary Refinance Rapid 63.41 6983017622 SPAULDING ID 83429 Single Family Secondary Purchase Standard 89.96 6983811644 DALY VA 20147 PUD Primary Purchase Standard 79.99 6984052420 FRIEDMAN CA 92109 Condominium Primary Purchase Rapid 80.00 6984260510 MARKSTEIN CA 95219 PUD Secondary Purchase Rapid 80.00 6986441720 REZNICEK JR FL 33609 Single Family Primary Purchase Rapid 67.79 6989038499 PANGER CA 94402 Single Family Primary Cash-out Refinance Rapid 60.00 6989166779 SHARPE CA 94949 Single Family Primary Purchase Rapid 50.84 6989916553 SANTIAGO JR CA 95124 Single Family Primary Purchase Standard 80.00 6990841428 BIEHLER AZ 85260 PUD Primary Refinance Standard 79.00 6991665636 ZIEGLER NC 27927 PUD Secondary Purchase Rapid 80.00 6991920015 GIBBS MD 21403 Single Family Primary Cash-out Refinance Standard 65.35 6992639457 GREMBAN CA 94925 PUD Primary Cash-out Refinance Standard 63.79 6995646194 WRIGHT CA 91711 Single Family Primary Refinance Rapid 75.00 6997051567 SCHATZEL FL 33950 Single Family Primary Cash-out Refinance Standard 75.00 6997348583 MCCARTHY NC 28277 Single Family Primary Refinance Rapid 51.02 6997535528 COHN CA 94301 Single Family Primary Refinance All Ready Home 10.00 6997881351 KHAN CA 94583 Single Family Primary Refinance Rapid 80.00 6999341222 PLAKOS CA 90277 Single Family Primary Refinance Rapid 69.90 6348973840 KAPADIA CA 95120 Single Family Primary Cash-out Refinance Standard 67.99 6113606534 D'ANGINA 94517 Single Family Primary Cash-out Refinance Standard 66.94 6053607419 REICE VA 22903 PUD Primary Cash-out Refinance Standard 66.23
EXHIBIT D MORTGAGE LOAN SCHEDULE (cont'd)
LOAN CURRENT ORIGINAL INTEREST 1ST PAYMENT MATURITY REMAINING MONTHLY PAYMENT REMAINING NUMBER LTV PB RATE DATE DATE TERM P&I DUE DATE TERM ------------------------------------------------------------------------------------------------------------------------------------ 0029396009 79.98 556,400 6.625 20010801 20310701 360 3,562.69 20010801 360 0029537511 70.46 600,000 6.875 20010601 20310501 360 3,941.57 20010801 358 0029642907 79.85 591,800 7.250 20010601 20310501 360 4,037.12 20010801 358 0029658143 73.63 450,000 6.250 20010601 20310501 360 2,770.73 20010801 358 0029662335 79.75 412,320 6.000 20010601 20310501 360 2,472.07 20010901 358 0029685583 79.93 292,000 7.000 20010701 20310601 360 1,942.69 20010801 359 0029698669 64.72 404,900 6.875 20010701 20310601 360 2,659.91 20010801 359 0029705787 79.86 480,000 6.875 20010701 20310601 360 3,153.26 20010901 359 0029722832 79.77 443,250 6.875 20010701 20310601 360 2,911.84 20011001 359 0029734944 66.25 530,000 6.750 20010801 20310701 360 3,437.57 20010801 360 0029736634 79.92 338,000 6.250 20010701 20310601 360 2,081.12 20010801 359 0029741857 79.82 522,800 6.750 20010701 20310601 360 3,390.88 20010901 359 0029743226 75.00 375,000 6.875 20010801 20310701 360 2,463.49 20010801 360 0029746864 73.97 435,000 7.125 20010801 20310701 360 2,930.68 20010801 360 0029747961 79.99 429,100 7.000 20010801 20310701 360 2,854.81 20010801 360 0029748092 79.93 378,700 6.875 20010801 20310701 360 2,487.79 20010901 360 0029749397 71.93 288,000 6.875 20010801 20310701 360 1,891.95 20010901 360 0029752177 80.00 400,000 6.250 20010801 20310701 360 2,462.87 20010801 360 0029753126 79.93 495,200 7.375 20010801 20310701 360 3,420.22 20010901 360 0029754736 79.93 372,600 6.875 20010801 20310701 360 2,447.72 20010901 360 0029757382 80.00 428,000 7.125 20010801 20310701 360 2,883.52 20010801 360 0029759180 80.00 316,000 6.000 20010801 20310701 360 1,894.58 20010801 360 0029759313 90.00 313,200 6.500 20010901 20310801 360 1,979.64 20010901 360 0029759727 79.93 319,200 6.875 20010801 20310701 360 2,096.92 20010901 360 0029759909 80.00 339,200 7.125 20010801 20310701 360 2,285.25 20010801 360 0029762572 74.93 442,500 6.875 20010801 20310701 360 2,906.91 20010901 360 0099050437 64.97 400,000 5.750 20010801 20310701 360 2,334.29 20010901 360 0099050957 75.00 348,750 7.375 20010801 20310701 360 2,408.73 20010801 360 0099051377 79.85 456,550 6.625 20010701 20310601 360 2,923.34 20010901 359 0099057366 79.93 337,900 7.000 20010701 20310601 360 2,248.06 20010801 359 0099062325 79.87 373,600 7.125 20010701 20310601 360 2,517.01 20010901 359 0099064156 69.36 302,000 6.875 20010701 20310601 360 1,983.93 20010801 359 0099065401 36.70 505,000 7.500 20010701 20310601 360 3,531.03 20010801 359 0099065849 80.00 448,000 7.250 20010801 20310701 360 3,056.15 20010801 360 0099066193 62.08 320,000 7.000 20010701 20310601 360 2,128.97 20010801 359 0099067316 79.92 300,000 6.625 20010701 20310601 360 1,920.94 20010801 359 0099067456 79.86 460,000 6.750 20010701 20310601 360 2,983.55 20010901 359 0099067670 71.25 460,000 6.875 20010701 20310601 360 3,021.88 20010801 359 0099067910 79.92 508,000 6.250 20010801 20310701 360 3,127.84 20010901 360 0099068181 69.90 360,000 7.000 20010801 20310701 360 2,395.09 20010801 360 0099068207 79.93 470,400 6.750 20010701 20310601 360 3,051.01 20010801 359 0099068736 64.00 400,000 7.125 20010801 20310701 360 2,694.87 20010801 360 0099068785 47.94 350,000 7.250 20010801 20310701 360 2,387.62 20010801 360 0099069379 84.98 300,000 6.750 20010801 20310701 360 1,945.79 20010801 360 0099069627 73.79 535,000 6.250 20010801 20310701 360 3,294.09 20010801 360 0099070708 52.58 300,000 6.875 20010801 20310701 360 1,970.79 20010901 360 0099071680 78.25 513,000 7.000 20010801 20310701 360 3,413.00 20010901 360 0099071714 71.94 500,000 6.250 20010801 20310701 360 3,078.59 20010801 360 0099073553 41.66 350,000 6.375 20010801 20310701 360 2,183.54 20010801 360 0099073785 46.02 380,000 6.750 20010801 20310701 360 2,464.67 20010901 360 0099073827 79.92 370,000 6.500 20010801 20310701 360 2,338.65 20010901 360 0099074593 80.00 432,000 7.250 20010801 20310701 360 2,947.01 20010801 360 0099075335 79.10 570,000 7.000 20010801 20310701 360 3,792.22 20010901 360 0099075574 79.92 377,800 6.875 20010801 20310701 360 2,481.88 20010901 360 0099076457 74.94 329,000 7.250 20010801 20310701 360 2,244.36 20010801 360 0099076556 66.58 516,000 6.500 20010801 20310701 360 3,261.47 20010801 360 0099076770 79.93 478,400 6.750 20010701 20310601 360 3,102.89 20010801 359 0099076986 79.60 509,750 6.625 20010801 20310701 360 3,263.99 20010901 360 0099076994 79.92 489,900 7.000 20010801 20310701 360 3,259.32 20010901 360 0099078032 57.50 400,000 7.125 20010801 20310701 360 2,694.87 20010901 360 0099079329 80.00 416,000 7.000 20010801 20310701 360 2,767.66 20010801 360 0099080186 80.00 312,000 7.000 20010801 20310701 360 2,075.75 20010801 360 0099080707 74.54 485,000 6.000 20010801 20310701 360 2,907.82 20010901 360 0099083123 80.00 472,000 7.250 20010801 20310701 360 3,219.87 20010801 360 0099083487 76.97 384,864 6.875 20010801 20310701 360 2,528.28 20010801 360 0099085664 79.92 344,750 6.875 20010801 20310701 360 2,264.76 20010901 360 0099085680 80.00 416,000 6.875 20010801 20310701 360 2,732.83 20010801 360 0099089781 79.60 533,000 6.750 20010801 20310701 360 3,457.03 20010901 360 0099089914 79.93 328,242 6.750 20010801 20310701 360 2,128.97 20010901 360 0099091845 71.20 450,000 5.875 20010801 20310701 360 2,661.92 20010801 360 0099092066 79.92 432,600 7.125 20010801 20310701 360 2,914.51 20010901 360 0099099517 71.77 646,000 7.000 20010801 20310701 360 4,297.85 20010801 360 6000074671 79.93 492,000 6.875 20010801 20310701 360 3,232.09 20010901 360 6000597796 89.92 337,500 7.000 20010801 20310701 360 2,245.40 20010901 360 6001019824 71.42 445,000 6.750 20010801 20310701 360 2,886.27 20010801 360 6001148037 79.86 380,000 6.875 20010701 20310601 360 2,496.33 20010901 359 6002705660 79.84 596,000 6.125 20010701 20310601 360 3,621.36 20010901 359 6004206642 80.00 548,000 6.750 20010801 20310701 360 3,554.32 20010801 360 6004813264 80.00 344,000 6.375 20010801 20310701 360 2,146.12 20010801 360 6005154783 84.07 327,900 6.750 20010801 20310701 360 2,126.76 20010801 360 6006213497 80.00 360,000 7.375 20010801 20310701 360 2,486.44 20010801 360 6006240896 80.00 312,000 7.000 20010801 20310701 360 2,075.75 20010801 360 6008435965 59.02 350,000 7.250 20010801 20310701 360 2,387.62 20010801 360 6008688571 90.00 405,000 7.250 20010901 20310801 360 2,762.82 20010901 360 6009330132 70.00 475,300 6.500 20010801 20310701 360 3,004.22 20010801 360 6009824910 88.64 368,200 6.500 20010701 20310601 360 2,327.28 20010801 359 6010734553 69.00 890,100 6.500 20010801 20310701 360 5,626.04 20010801 360 6012291479 62.55 317,900 6.875 20010801 20310701 360 2,088.38 20010801 360 6013333684 79.85 324,000 6.500 20010701 20310601 360 2,047.91 20010901 359 6015610907 79.84 316,750 6.500 20010701 20310601 360 2,002.08 20010901 359 6015806521 65.25 550,000 6.375 20010701 20160601 180 4,753.38 20010801 179 6016346923 80.00 602,000 5.750 20010901 20310801 360 3,513.11 20010901 360 6016585702 48.27 350,000 6.750 20010901 20310801 360 2,270.10 20010901 360 6018232931 79.91 484,879 5.500 20010701 20310601 360 2,753.09 20010801 359 6020125115 61.29 950,000 6.750 20010801 20310701 360 6,161.69 20010801 360 6021786725 60.66 425,000 6.750 20010701 20310601 360 2,756.55 20010801 359 6022748120 74.93 397,500 6.625 20010701 20310601 360 2,545.24 20010801 359 6023505990 75.85 634,500 6.625 20010701 20310601 360 4,062.78 20010901 359 6025791341 55.95 294,000 6.750 20010701 20310601 360 1,906.88 20010801 359 6027227575 73.66 997,000 7.000 20010601 20310501 360 6,633.07 20010901 358 6028663562 72.23 650,000 6.375 20010701 20310601 360 4,055.16 20010801 359 6029048151 69.95 489,000 6.875 20010901 20310801 360 3,212.39 20010901 360 6032250083 58.98 407,000 6.750 20010801 20310701 360 2,639.80 20010801 360 6032864933 95.00 307,325 7.000 20010801 20310701 360 2,044.65 20010801 360 6033080505 24.97 600,000 6.500 20010701 20310601 360 3,792.41 20010801 359 6034183563 75.00 772,500 6.750 20010801 20310701 360 5,010.43 20010801 360 6034291903 79.11 420,000 7.000 20010701 20310601 360 2,794.28 20010901 359 6034464526 70.00 945,000 6.750 20010801 20310701 360 6,129.26 20010801 360 6035429262 70.00 581,000 6.625 20010901 20310801 360 3,720.21 20010901 360 6036147830 69.94 388,500 6.875 20010701 20310601 360 2,552.17 20010801 359 6037108377 74.64 508,000 6.750 20010701 20310601 360 3,294.88 20010801 359 6038862451 65.31 460,000 6.750 20010701 20310601 360 2,983.56 20010901 359 6040076066 40.40 400,000 6.750 20010801 20310701 360 2,594.40 20010801 360 6040347087 80.00 382,638 6.625 20010801 20310701 360 2,450.08 20010801 360 6040569375 75.00 712,500 7.000 20010801 20310701 360 4,740.29 20010801 360 6040667328 18.24 315,000 7.000 20010701 20310601 360 2,095.71 20010801 359 6042135993 67.38 674,250 7.250 20010701 20310601 360 4,599.58 20010901 359 6042372406 69.94 594,500 7.125 20010901 20310801 360 4,005.26 20010901 360 6044013545 80.00 356,000 6.375 20010801 20310701 360 2,220.98 20010801 360 6045035992 69.18 449,000 6.750 20010801 20310701 360 2,912.21 20010801 360 6047175101 47.96 324,000 7.250 20010801 20310701 360 2,210.26 20010901 360 6048565839 49.68 395,000 7.250 20010801 20310701 360 2,694.60 20010801 360 6049839639 80.00 352,000 7.000 20010801 20310701 360 2,341.87 20010801 360 6051405725 80.00 360,000 6.875 20010801 20310701 360 2,364.95 20010801 360 6051652763 58.14 876,500 6.750 20010701 20310601 360 5,684.97 20010801 359 6052892624 80.00 340,000 6.750 20010801 20310701 360 2,205.24 20010801 360 6053007271 74.88 381,000 7.250 20010601 20310501 360 2,599.10 20010801 358 6053980907 47.85 400,000 5.875 20010701 20310601 360 2,366.16 20010801 359 6056191320 79.93 608,000 6.750 20010701 20310601 360 3,943.48 20010801 359 6062038473 94.98 303,000 7.375 20010801 20310701 360 2,092.75 20010801 360 6065097849 77.42 542,000 7.250 20010901 20310801 360 3,697.40 20010901 360 6065564640 80.00 585,000 6.875 20010801 20310701 360 3,843.04 20010801 360 6065953231 51.28 360,000 6.875 20010801 20310701 360 2,364.95 20010801 360 6070243685 62.70 752,500 7.125 20010901 20310801 360 5,069.74 20010901 360 6070266488 69.33 416,000 6.500 20010801 20310701 360 2,629.41 20010801 360 6071218447 35.58 304,500 6.375 20010701 20310601 360 1,899.69 20010801 359 6072283572 80.00 286,400 6.875 20010801 20310701 360 1,881.45 20010801 360 6073029180 45.93 553,100 6.500 20010701 20310601 360 3,495.97 20010801 359 6074760130 74.60 470,000 6.875 20010801 20310701 360 3,087.57 20010801 360 6074825388 63.83 393,000 5.875 20010701 20310601 360 2,324.75 20010801 359 6076767042 56.15 438,000 7.000 20010801 20310701 360 2,914.03 20010801 360 6076964649 80.00 440,000 6.000 20010801 20310701 360 2,638.03 20010801 360 6077096409 50.72 350,000 7.000 20010801 20310701 360 2,328.56 20010801 360 6078639827 71.66 333,500 7.000 20010701 20310601 360 2,218.79 20010801 359 6080914689 79.44 392,000 6.750 20010701 20310601 360 2,542.51 20010801 359 6083435138 64.94 763,750 7.125 20010701 20310601 360 5,145.53 20010801 359 6083860376 79.92 639,272 6.625 20010701 20310601 360 4,093.33 20010801 359 6084291993 80.00 592,000 7.250 20010901 20310801 360 4,038.49 20010901 360 6084879128 70.00 574,000 6.875 20010801 20310701 360 3,770.78 20010801 360 6085008487 80.00 348,000 7.000 20010801 20310701 360 2,315.26 20010801 360 6087939242 75.00 431,250 6.875 20010901 20310801 360 2,833.01 20010901 360 6088843294 79.99 385,700 6.875 20010801 20310701 360 2,533.78 20010801 360 6089700709 69.86 400,000 6.500 20010701 20310601 360 2,528.28 20010801 359 6090008407 58.44 526,000 6.500 20010801 20310701 360 3,324.68 20010801 360 6090118214 35.09 562,000 6.250 20010701 20310601 360 3,460.34 20010801 359 6090369676 70.00 700,000 7.250 20010801 20310701 360 4,775.24 20010801 360 6092314639 79.80 550,320 6.750 20010801 20310701 360 3,569.37 20010901 360 6093206230 42.19 550,000 6.625 20010701 20310601 360 3,521.72 20010801 359 6093754841 95.00 288,800 7.375 20010901 20310801 360 1,994.67 20010901 360 6096611972 89.92 422,910 6.875 20010701 20310601 360 2,778.22 20010801 359 6097499021 75.00 427,500 6.500 20010901 20310801 360 2,702.10 20010901 360 6099057173 75.34 492,000 6.750 20010901 20310801 360 3,191.11 20010901 360 6099197086 16.51 970,000 6.625 20010801 20310701 360 6,211.02 20010801 360 6100150165 51.60 408,000 7.125 20010701 20310601 360 2,748.78 20010801 359 6103714330 26.25 315,000 6.625 20010801 20310701 360 2,016.98 20010801 360 6104329054 59.00 310,000 7.125 20010801 20310701 360 2,088.53 20010901 360 6105635087 58.73 318,000 6.500 20010801 20180701 204 2,579.37 20010901 204 6105666744 57.77 650,000 6.625 20010901 20310801 360 4,162.03 20010901 360 6106610295 79.93 343,200 7.000 20010701 20310601 360 2,283.32 20010801 359 6106699140 61.24 567,000 6.625 20010701 20310601 360 3,630.57 20010801 359 6108806297 74.09 326,000 7.000 20010801 20310701 360 2,168.89 20010801 360 6110958169 62.93 463,000 6.375 20010801 20310701 360 2,888.52 20010901 360 6113779208 80.00 480,000 6.750 20010801 20310701 360 3,113.28 20010801 360 6113877036 74.46 424,800 6.750 20010801 20310701 360 2,755.25 20010901 360 6113972985 73.25 304,000 6.500 20010801 20310701 360 1,921.49 20010801 360 6114866467 67.66 385,684 6.125 20010801 20310701 360 2,343.46 20010801 360 6114994632 60.00 389,400 5.500 20010801 20310701 360 2,210.98 20010801 360 6116282473 52.17 300,000 7.000 20010801 20310701 360 1,995.91 20010801 360 6118698486 70.00 399,000 6.375 20010901 20310801 360 2,489.25 20010901 360 6119884440 79.47 360,000 6.750 20010801 20310701 360 2,334.96 20010801 360 6122038539 80.00 377,600 7.000 20010801 20310701 360 2,512.19 20010801 360 6122163915 52.73 475,000 6.625 20010701 20310601 360 3,041.48 20010801 359 6123817550 79.65 308,000 6.875 20010601 20310501 360 2,023.35 20010801 358 6124457141 80.00 526,400 7.125 20010801 20310701 360 3,546.46 20010801 360 6125896867 64.31 634,000 6.875 20010801 20310701 360 4,164.93 20010901 360 6125971322 80.00 552,000 7.125 20010801 20310701 360 3,718.93 20010801 360 6126334439 74.34 285,000 6.500 20010701 20310601 360 1,801.40 20010801 359 6127297544 80.00 301,600 5.500 20010801 20310701 360 1,712.46 20010801 360 6127550637 51.90 571,000 6.875 20010801 20310701 360 3,751.07 20010801 360 6127730601 49.08 750,000 6.250 20010701 20310601 360 4,617.88 20010901 359 6128414395 89.99 334,690 6.875 20010801 20310701 360 2,198.68 20010801 360 6129775299 80.00 444,000 7.000 20010901 20310801 360 2,953.95 20010901 360 6130523126 80.00 720,000 7.000 20010801 20310701 360 4,790.18 20010801 360 6132319846 47.18 850,000 7.000 20010701 20310601 360 5,655.08 20010801 359 6133200987 60.80 912,000 7.000 20010801 20310701 360 6,067.56 20010801 360 6133795663 92.44 355,000 7.500 20010801 20310701 360 2,482.22 20010801 360 6133898640 15.61 750,000 6.625 20010701 20310601 360 4,802.34 20010801 359 6135148127 64.71 996,000 6.875 20010801 20310701 360 6,543.02 20010801 360 6136422570 46.29 556,000 6.625 20010701 20310601 360 3,560.13 20010801 359 6137590359 45.83 550,000 5.625 20010801 20310701 360 3,166.12 20010801 360 6141399482 25.00 325,000 6.750 20010801 20310701 360 2,107.95 20010801 360 6146389561 71.42 600,000 7.000 20010801 20310701 360 3,991.82 20010801 360 6146507519 72.39 500,000 6.500 20010701 20310601 360 3,160.34 20010801 359 6146575425 79.86 467,200 7.000 20010701 20310601 360 3,108.30 20010901 359 6148080192 79.93 600,000 6.750 20010701 20310601 360 3,891.59 20010801 359 6148675447 79.99 542,400 6.625 20010801 20310701 360 3,473.05 20010801 360 6149270016 80.00 440,000 7.125 20010801 20310701 360 2,964.37 20010801 360 6150168380 72.35 615,000 6.750 20010901 20310801 360 3,988.88 20010901 360 6150715750 71.65 355,000 6.375 20010701 20310601 360 2,214.74 20010801 359 6151161707 46.42 650,000 6.375 20010801 20310701 360 4,055.16 20010801 360 6151997886 79.80 321,600 5.000 20010701 20310601 360 1,726.42 20010901 359 6152585946 70.00 612,500 6.625 20010801 20310701 360 3,921.91 20010801 360 6154356585 35.71 500,000 7.250 20010801 20310701 360 3,410.89 20010801 360 6154421280 60.19 310,000 6.625 20010901 20310801 360 1,984.97 20010901 360 6156249960 79.92 624,000 6.125 20010701 20310601 360 3,791.49 20010801 359 6157137792 71.77 375,000 6.625 20010901 20310801 360 2,401.17 20010901 360 6161312829 70.00 525,000 7.000 20010801 20310701 360 3,492.84 20010801 360 6161529455 75.00 832,500 6.875 20010801 20310701 360 5,468.94 20010801 360 6162960402 71.60 460,000 6.375 20010501 20310401 360 2,869.81 20010901 357 6164057769 80.00 496,000 6.875 20010801 20310701 360 3,258.37 20010801 360 6164971464 29.43 390,000 6.875 20010901 20310801 360 2,562.03 20010901 360 6167562658 44.89 550,000 7.000 20010801 20310701 360 3,659.17 20010801 360 6172810811 74.54 325,000 6.750 20010901 20310801 360 2,107.95 20010901 360 6172981091 79.85 307,200 6.375 20010701 20310601 360 1,916.53 20010901 359 6173996155 74.15 450,000 6.875 20010701 20310601 360 2,956.18 20010801 359 6174368701 71.76 366,000 6.875 20010801 20310701 360 2,404.36 20010801 360 6174742129 67.89 350,000 6.500 20010701 20310601 360 2,212.24 20010801 359 6175576989 80.00 484,000 6.500 20010801 20310701 360 3,059.21 20010801 360 6176366927 62.50 400,000 6.875 20010901 20310801 360 2,627.72 20010901 360 6178334758 60.20 470,000 6.625 20010701 20310601 360 3,009.47 20010801 359 6178831787 53.20 812,000 6.750 20010701 20310601 360 5,266.62 20010801 359 6179208399 67.32 340,000 7.125 20010801 20310701 360 2,290.65 20010801 360 6179909517 80.00 391,200 7.375 20010801 20310701 360 2,701.93 20010801 360 6180650068 44.73 425,000 7.000 20010801 20310701 360 2,827.54 20010801 360 6181875342 69.87 489,100 6.750 20010801 20310701 360 3,172.30 20010801 360 6182581238 35.96 935,000 7.125 20010801 20310701 360 6,299.27 20010801 360 6183486064 79.92 380,000 6.125 20010701 20310601 360 2,308.92 20010801 359 6186398688 49.86 370,000 6.875 20010901 20310801 360 2,430.64 20010901 360 6190381878 78.60 452,000 7.000 20010801 20310701 360 3,007.17 20010801 360 6191958617 50.00 1,000,000 7.000 20010901 20310801 360 6,653.03 20010901 360 6192772660 80.00 695,200 7.125 20010901 20310801 360 4,683.70 20010901 360 6195019168 76.55 639,000 7.125 20010701 20310601 360 4,305.07 20010801 359 6196159633 48.03 365,372 6.375 20010701 20310601 360 2,279.46 20010801 359 6196199670 66.60 480,000 6.750 20010701 20310601 360 3,113.28 20010801 359 6197235705 79.85 360,000 6.375 20010701 20310601 360 2,245.94 20010901 359 6200167697 59.37 475,000 6.750 20010801 20310701 360 3,080.85 20010801 360 6201018980 74.87 438,750 7.000 20010701 20310601 360 2,919.02 20010901 359 6201285977 51.09 450,000 6.625 20010701 20310601 360 2,881.40 20010801 359 6201440044 25.94 480,000 6.625 20010801 20310701 360 3,073.50 20010801 360 6202881642 65.74 355,000 6.750 20010801 20310701 360 2,302.53 20010801 360 6203985384 79.92 380,800 6.625 20010701 20310601 360 2,438.31 20010801 359 6205555466 59.41 499,500 7.000 20010701 20310601 360 3,323.19 20010801 359 6205716373 76.26 322,500 6.625 20010801 20310701 360 2,065.01 20010901 360 6207115616 60.44 545,000 6.625 20010701 20310601 360 3,489.70 20010901 359 6207128973 48.64 360,000 7.125 20010801 20310701 360 2,425.39 20010801 360 6208311842 74.45 420,000 6.750 20010701 20310601 360 2,724.12 20010801 359 6208629854 79.87 586,000 6.750 20010701 20310601 360 3,800.79 20010801 359 6208711538 67.04 523,200 6.625 20010701 20310601 360 3,350.11 20010901 359 6209101671 74.60 616,000 6.750 20010701 20310601 360 3,995.37 20010801 359 6210960289 54.20 810,000 6.625 20010601 20310501 360 5,186.52 20010901 358 6211865123 21.96 703,000 6.750 20010801 20310701 360 4,559.65 20010801 360 6212821430 79.92 441,620 6.125 20010701 20310601 360 2,683.33 20010801 359 6212887399 80.00 448,000 7.250 20010801 20310701 360 3,056.15 20010801 360 6213228742 40.06 381,000 6.125 20010701 20310601 360 2,315.00 20010801 359 6213989723 79.15 452,000 6.500 20010801 20310701 360 2,856.95 20010801 360 6214156108 55.13 591,000 6.375 20010701 20310601 360 3,687.08 20010901 359 6214261437 74.93 307,500 6.875 20010801 20310701 360 2,020.06 20010901 360 6214402114 69.78 433,000 7.125 20010801 20310701 360 2,917.21 20010901 360 6215369791 75.00 825,000 6.875 20010801 20310701 360 5,419.67 20010801 360 6216269719 79.68 502,000 7.000 20010801 20310701 360 3,339.82 20010801 360 6217695466 59.13 340,000 6.750 20010901 20310801 360 2,205.24 20010901 360 6218379805 54.82 723,650 6.875 20010901 20310801 360 4,753.87 20010901 360 6220360926 54.00 567,000 7.250 20010901 20310801 360 3,867.94 20010901 360 6220994492 46.89 450,000 6.875 20010601 20310501 360 2,956.18 20010801 358 6221867127 75.58 553,710 6.500 20010701 20310601 360 3,499.83 20010801 359 6223533305 79.99 428,800 6.500 20010801 20310701 360 2,710.31 20010801 360 6224571601 80.00 600,000 7.250 20010801 20310701 360 4,093.06 20010801 360 6224707866 80.00 428,000 7.125 20010801 20310701 360 2,883.52 20010801 360 6224843562 72.74 389,200 6.875 20010801 20310701 360 2,556.77 20010801 360 6224878188 77.76 309,500 7.250 20010801 20310701 360 2,111.34 20010801 360 6225263802 76.35 650,000 7.250 20010601 20310501 360 4,434.15 20010801 358 6225314829 80.00 552,000 6.875 20010801 20310701 360 3,626.25 20010801 360 6225772828 62.50 350,000 7.125 20010801 20310701 360 2,358.02 20010801 360 6230349794 70.00 630,000 6.000 20010801 20310701 360 3,777.17 20010801 360 6230516582 79.86 720,000 6.875 20010701 20310601 360 4,729.89 20010901 359 6231542595 75.00 337,500 6.875 20010801 20310701 360 2,217.14 20010801 360 6231602498 79.89 298,000 7.125 20010801 20310701 360 2,007.69 20010801 360 6233594545 80.00 540,000 6.875 20010801 20310701 360 3,547.42 20010801 360 6237186710 80.00 362,400 6.875 20010801 20310701 360 2,380.71 20010801 360 6237590028 56.82 327,000 6.875 20010701 20310601 360 2,148.16 20010801 359 6237731382 65.64 920,000 6.000 20010801 20310701 360 5,515.87 20010901 360 6237837825 66.24 486,900 6.875 20010901 20310801 360 3,198.59 20010901 360 6241864914 69.93 665,000 6.500 20010701 20310601 360 4,203.26 20010801 359 6242122841 19.31 500,000 6.875 20010901 20310801 360 3,284.65 20010901 360 6243761803 80.00 420,000 6.875 20010801 20310701 360 2,759.11 20010801 360 6244266778 61.22 750,000 7.250 20010801 20310701 360 5,116.33 20010801 360 6245223539 79.93 467,200 7.125 20010801 20310701 360 3,147.62 20010901 360 6246932260 51.13 650,000 6.500 20010701 20310601 360 4,108.45 20010801 359 6248588870 79.99 339,378 6.625 20010801 20310701 360 2,173.08 20010801 360 6248638154 80.00 457,960 6.875 20010801 20310701 360 3,008.48 20010801 360 6248966944 79.59 390,000 6.875 20010901 20310801 360 2,562.03 20010901 360 6253620071 80.00 520,000 6.750 20010801 20310701 360 3,372.72 20010801 360 6254797381 65.21 650,000 6.625 20010701 20310601 360 4,162.03 20010901 359 6255519917 80.00 494,400 7.125 20010801 20310701 360 3,330.87 20010801 360 6255575216 60.13 378,000 6.500 20010801 20310701 360 2,389.22 20010901 360 6256851004 79.92 564,000 6.500 20010701 20310601 360 3,564.87 20010801 359 6259779004 95.00 394,250 6.625 20010801 20310701 360 2,524.43 20010801 360 6259915129 69.42 476,000 6.750 20010701 20310601 360 3,087.33 20010801 359 6260894974 52.38 550,000 6.750 20010801 20310701 360 3,567.29 20010801 360 6261873761 80.00 900,000 7.000 20010801 20310701 360 5,987.73 20010801 360 6264766400 18.64 700,000 6.500 20010701 20310601 360 4,424.48 20010801 359 6265199643 51.72 750,000 7.000 20010801 20310701 360 4,989.77 20010801 360 6265597689 60.00 600,000 7.375 20010801 20310701 360 4,144.06 20010801 360 6266224499 79.43 393,200 6.625 20010801 20310701 360 2,517.71 20010801 360 6267274261 80.00 556,000 6.875 20010901 20310801 360 3,652.53 20010901 360 6268293401 58.26 335,000 6.875 20010801 20310701 360 2,200.72 20010801 360 6268307763 71.66 430,000 6.875 20010801 20310701 360 2,824.80 20010801 360 6269256001 58.18 600,000 6.625 20010801 20310701 360 3,841.87 20010901 360 6272081610 65.16 750,000 6.750 20010701 20310601 360 4,864.49 20010801 359 6272682235 80.00 345,828 6.500 20010801 20310701 360 2,185.87 20010801 360 6273218526 80.00 420,000 7.250 20010801 20310701 360 2,865.15 20010801 360 6273453404 64.66 430,000 5.750 20010901 20310801 360 2,509.37 20010901 360 6274209219 79.91 324,000 5.875 20010701 20310601 360 1,916.59 20010801 359 6275949946 79.93 296,000 6.750 20010701 20310601 360 1,919.86 20010801 359 6276572572 59.61 313,000 7.125 20010801 20310701 360 2,108.74 20010801 360 6276936355 94.91 309,605 6.750 20010801 20310701 360 2,008.10 20010901 360 6281099876 80.00 728,000 6.625 20010801 20310701 360 4,661.47 20010801 360 6281619681 74.94 450,000 7.250 20010801 20310701 360 3,069.80 20010901 360 6281987278 79.86 400,800 6.875 20010701 20310601 360 2,632.98 20010901 359 6282157954 57.73 752,000 6.375 20010701 20310601 360 4,691.51 20010901 359 6282563292 65.90 775,000 6.875 20010701 20310601 360 5,091.20 20010801 359 6282902961 84.30 335,000 6.500 20010701 20310601 360 2,117.43 20010801 359 6284124390 79.85 452,000 6.500 20010601 20310501 360 2,856.95 20010801 358 6286134504 80.00 620,000 6.750 20010801 20310701 360 4,021.31 20010801 360 6286236192 59.25 400,000 6.250 20010801 20310701 360 2,462.87 20010801 360 6286944779 79.93 412,000 6.875 20010801 20310701 360 2,706.55 20010901 360 6287526435 76.47 650,000 7.000 20010901 20310801 360 4,324.47 20010901 360 6287692682 48.97 368,000 6.625 20010701 20310601 360 2,356.35 20010901 359 6289630284 45.77 449,038 5.875 20010701 20310601 360 2,656.23 20010801 359 6290335030 79.92 348,000 6.500 20010701 20310601 360 2,199.60 20010801 359 6291791173 80.00 432,000 7.125 20010801 20310701 360 2,910.47 20010801 360 6291978952 80.00 460,000 7.000 20010801 20310701 360 3,060.40 20010801 360 6292215735 84.81 365,000 6.875 20010701 20310601 360 2,397.80 20010801 359 6292764864 54.95 330,000 6.625 20010701 20310601 360 2,113.03 20010801 359 6293160211 79.92 400,000 6.250 20010701 20310601 360 2,462.87 20010801 359 6293394786 78.75 630,000 6.750 20010801 20310701 360 4,086.17 20010801 360 6293841711 53.90 297,000 6.750 20010701 20310601 360 1,926.34 20010901 359 6296358341 52.45 595,912 6.500 20010701 20310601 360 3,766.57 20010801 359 6298264364 79.79 640,000 6.875 20010501 20310401 360 4,204.35 20010801 357 6299965175 80.00 440,000 6.375 20010801 20310701 360 2,745.03 20010801 360 6301146822 44.93 355,000 6.875 20010801 20310701 360 2,332.10 20010801 360 6302906554 79.98 587,050 7.250 20010801 20310701 360 4,004.72 20010801 360 6302908717 80.00 640,000 6.875 20010801 20310701 360 4,204.35 20010801 360 6306984821 77.54 329,000 6.875 20010701 20310601 360 2,161.30 20010801 359 6308166666 69.58 390,000 6.750 20010701 20310601 360 2,529.54 20010801 359 6308883732 73.86 332,650 6.875 20010801 20310701 360 2,185.28 20010901 360 6309275326 79.86 492,000 6.875 20010701 20310601 360 3,232.09 20010901 359 6309795893 53.33 400,000 6.750 20010801 20310701 360 2,594.40 20010801 360 6313093939 69.97 472,300 6.125 20010801 20310701 360 2,869.75 20010801 360 6316397626 69.85 430,000 6.375 20010701 20310601 360 2,682.65 20010801 359 6316600763 79.85 432,000 6.875 20010701 20310601 360 2,837.94 20010901 359 6320104422 75.56 559,200 7.125 20010901 20310801 360 3,767.44 20010901 360 6321240142 29.67 520,000 5.500 20010801 20310701 360 2,952.51 20010901 360 6323127479 79.61 368,000 5.875 20010801 20310701 360 2,176.86 20011001 360 6323796323 79.93 364,000 7.000 20010701 20310601 360 2,421.71 20010801 359 6323939261 80.00 576,000 7.000 20010901 20310801 360 3,832.15 20010901 360 6324487849 55.28 340,000 7.125 20010901 20310801 360 2,290.65 20010901 360 6326658702 80.00 428,800 6.875 20010901 20310801 360 2,816.92 20010901 360 6327170533 80.00 629,600 7.000 20010801 20310701 360 4,188.75 20010801 360 6330758399 39.98 290,150 6.750 20010701 20310601 360 1,881.91 20010801 359 6331155041 65.80 675,000 7.125 20010801 20310701 360 4,547.60 20010901 360 6331488673 80.00 496,000 7.000 20010801 20310701 360 3,299.91 20010801 360 6331684412 45.62 500,000 7.000 20010701 20310601 360 3,326.52 20010801 359 6332249868 75.00 386,250 7.000 20010801 20310701 360 2,569.74 20010801 360 6336731515 78.63 346,000 6.625 20010801 20310701 360 2,215.48 20010801 360 6336885477 56.77 440,000 6.500 20010801 20310701 360 2,781.10 20010801 360 6337045279 60.37 750,000 7.250 20010701 20310601 360 5,116.33 20010801 359 6337090465 80.00 564,000 6.750 20010801 20310701 360 3,658.10 20010801 360 6338248047 69.22 449,900 6.750 20010801 20310701 360 2,918.05 20010801 360 6338445569 79.86 525,200 6.750 20010701 20310601 360 3,406.44 20010901 359 6340558201 78.41 550,000 6.000 20010701 20310601 360 3,297.53 20010901 359 6340674131 88.14 389,603 6.375 20010801 20310701 360 2,430.62 20010801 360 6340985123 79.93 388,000 7.375 20010801 20310701 360 2,679.82 20010901 360 6341996574 75.00 427,500 7.125 20010801 20310701 360 2,880.15 20010801 360 6342679724 55.79 400,000 6.625 20010601 20310501 360 2,561.25 20010901 358 6342857023 66.43 568,000 7.375 20010801 20310701 360 3,923.04 20010801 360 6343374572 68.79 482,000 6.625 20010701 20310601 360 3,086.30 20010801 359 6343628035 80.00 379,200 6.750 20010801 20310701 360 2,459.49 20010801 360 6345626433 77.41 600,000 6.625 20010801 20310701 360 3,841.87 20010801 360 6345724550 67.02 650,000 6.375 20010701 20310601 360 4,055.16 20010901 359 6346973107 63.33 295,000 7.000 20010701 20310601 360 1,962.65 20010901 359 6347167840 38.71 377,500 6.500 20010801 20310701 360 2,386.06 20010801 360 6347342096 79.92 332,800 6.500 20010801 20310701 360 2,103.53 20010901 360 6347688613 37.23 600,000 6.875 20010701 20310601 360 3,941.58 20010801 359 6348007730 62.72 345,000 6.875 20010901 20310801 360 2,266.41 20010901 360 6349235926 72.10 621,700 6.750 20010601 20310501 360 4,032.34 20010901 358 6349775962 76.55 295,000 6.750 20010701 20310601 360 1,913.37 20010801 359 6349902129 80.00 312,000 6.875 20010801 20310701 360 2,049.62 20010801 360 6350532831 73.49 412,000 6.125 20010701 20310601 360 2,503.36 20010801 359 6353579490 54.50 600,000 7.000 20010701 20310601 360 3,991.82 20010801 359 6356261500 12.12 607,000 6.625 20010701 20310601 360 3,886.69 20010801 359 6357813176 79.93 344,000 7.000 20010701 20310601 360 2,288.65 20010801 359 6358419833 74.88 859,950 7.250 20010701 20310601 360 5,866.38 20010901 359 6358483847 70.00 490,000 6.625 20010801 20310701 360 3,137.53 20010801 360 6358521729 79.53 650,000 5.375 20010701 20310601 360 3,639.82 20010801 359 6359600688 68.79 420,000 6.750 20010701 20310601 360 2,724.12 20010801 359 6359805329 79.95 486,400 6.875 20010801 20310701 360 3,195.31 20010801 360 6360123803 77.11 438,000 7.375 20010901 20310801 360 3,025.16 20010901 360 6361664508 95.00 346,750 7.250 20010901 20310801 360 2,365.45 20010901 360 6364581097 63.63 525,000 6.625 20010801 20310701 360 3,361.64 20010801 360 6366383062 80.00 436,000 7.125 20010801 20310701 360 2,937.42 20010801 360 6368615354 31.48 425,000 6.750 20010801 20310701 360 2,756.55 20010801 360 6368707888 50.68 276,500 6.500 20010701 20310601 360 1,747.67 20010801 359 6368956691 79.93 328,000 6.875 20010701 20310601 360 2,154.73 20010801 359 6370780212 80.00 486,000 6.750 20010901 20310801 360 3,152.19 20010901 360 6371598480 76.54 678,000 7.125 20010801 20310701 360 4,567.82 20010901 360 6371828085 45.33 680,000 6.500 20010901 20310801 360 4,298.07 20010901 360 6372272838 79.19 535,000 7.000 20010701 20310601 360 3,559.37 20010801 359 6372503265 72.06 440,000 6.500 20010701 20310601 360 2,781.10 20010801 359 6372573045 74.41 480,000 7.500 20010801 20310701 360 3,356.23 20010801 360 6372595303 75.55 340,000 7.125 20010901 20310801 360 2,290.65 20010901 360 6374106398 69.14 650,000 6.875 20010801 20310701 360 4,270.04 20010801 360 6374650296 80.00 860,000 7.250 20010801 20310701 360 5,866.72 20010801 360 6375064638 37.17 400,000 6.750 20010701 20310601 360 2,594.40 20010801 359 6375366165 74.69 605,600 6.625 20010701 20310601 360 3,877.73 20010801 359 6377152381 49.95 550,000 6.500 20010701 20310601 360 3,476.38 20010801 359 6378477324 48.89 985,000 6.875 20010801 20310701 360 6,470.75 20010901 360 6381808853 40.65 356,040 6.750 20010701 20310601 360 2,309.27 20010801 359 6382358502 53.58 408,000 6.375 20010701 20310601 360 2,545.39 20010901 359 6382380928 59.15 420,000 6.625 20010801 20310701 360 2,689.31 20010801 360 6382769179 67.44 460,000 7.125 20010801 20310701 360 3,099.11 20010801 360 6383456008 59.25 400,000 7.125 20010801 20310701 360 2,694.88 20010801 360 6383457469 79.93 471,200 7.000 20010801 20310701 360 3,134.91 20010901 360 6387160804 79.93 530,800 7.375 20010801 20310701 360 3,666.11 20010901 360 6390437553 79.92 409,600 6.500 20010701 20310601 360 2,588.96 20010801 359 6391885503 73.11 461,000 6.875 20010701 20310601 360 3,028.45 20010801 359 6392535297 80.00 352,000 6.875 20010801 20310701 360 2,312.39 20010801 360 6396706167 74.93 330,000 7.000 20010701 20310601 360 2,195.50 20010801 359 6397085256 48.38 750,000 6.625 20010801 20310701 360 4,802.34 20010801 360 6397173730 69.94 328,300 6.875 20010801 20310701 360 2,156.70 20010901 360 6399314431 79.87 689,600 7.375 20010701 20310601 360 4,762.90 20010901 359 6400607146 64.13 530,000 6.875 20010601 20310501 360 3,481.73 20010801 358 6401135352 80.00 376,000 6.750 20010801 20310701 360 2,438.73 20010801 360 6402473646 50.90 616,000 6.500 20010801 20310701 360 3,893.54 20010801 360 6402537523 80.00 428,000 7.000 20010901 20310801 360 2,847.50 20010901 360 6402598848 75.00 352,500 6.750 20010801 20310701 360 2,286.31 20010801 360 6402605684 80.00 336,000 6.375 20010801 20310701 360 2,096.21 20010801 360 6403874131 74.72 340,000 7.250 20010901 20310801 360 2,319.40 20010901 360 6404624261 79.92 680,000 6.625 20010801 20310701 360 4,354.12 20010901 360 6405307031 79.92 476,000 6.625 20010701 20310601 360 3,047.89 20010801 359 6406499290 73.64 381,500 6.625 20010801 20310701 360 2,442.79 20010801 360 6409657845 66.03 455,000 6.250 20010801 20310701 360 2,801.52 20010801 360 6411223552 70.00 339,500 7.375 20010801 20310701 360 2,344.85 20010801 360 6411489575 66.66 700,000 6.625 20010801 20310701 360 4,482.18 20010801 360 6411599001 70.00 595,000 7.000 20010801 20310701 360 3,958.55 20010801 360 6412823756 79.55 432,000 6.750 20010801 20310701 360 2,801.95 20010801 360 6414868262 66.92 425,000 6.875 20010801 20310701 360 2,791.95 20010801 360 6415071643 71.85 383,000 7.125 20010901 20310801 360 2,580.35 20010901 360 6415360772 72.48 328,000 7.125 20010901 20310801 360 2,209.80 20010901 360 6416521414 73.86 650,000 7.000 20010901 20310801 360 4,324.47 20010901 360 6417095574 64.00 448,000 7.125 20010801 20310701 360 3,018.26 20010801 360 6418403330 80.00 560,000 6.875 20010801 20310701 360 3,678.81 20010801 360 6423838843 79.92 356,000 6.375 20010701 20310601 360 2,220.98 20010801 359 6424454400 80.00 416,000 7.375 20010801 20310701 360 2,873.21 20010801 360 6426170640 48.96 355,000 6.750 20010801 20310701 360 2,302.53 20010801 360 6426521966 77.75 999,000 7.125 20010801 20310701 360 6,730.45 20010801 360 6428638446 64.28 450,000 6.875 20010801 20310701 360 2,956.18 20010801 360 6428703364 76.06 445,000 7.125 20010801 20310701 360 2,998.05 20010801 360 6430770526 56.53 489,000 6.500 20010801 20310701 360 3,090.82 20010801 360 6431094223 79.76 301,600 6.500 20010701 20310601 360 1,906.32 20010901 359 6432295506 75.00 965,217 6.125 20010801 20310701 360 5,864.76 20010801 360 6432725205 71.25 567,000 6.750 20010801 20310701 360 3,677.56 20010901 360 6433822068 79.86 319,110 6.875 20010701 20310601 360 2,096.33 20010901 359 6435576860 62.90 390,000 6.875 20010901 20310801 360 2,562.03 20010901 360 6436075144 73.57 502,650 6.625 20010701 20310601 360 3,218.53 20010901 359 6436871526 80.00 328,000 7.000 20010801 20310701 360 2,182.20 20010801 360 6438486000 49.91 500,000 6.875 20010701 20310601 360 3,284.65 20010901 359 6438654862 63.81 702,000 7.250 20010901 20310801 360 4,788.88 20010901 360 6439283364 58.84 795,000 7.000 20010701 20310601 360 5,289.16 20010801 359 6439541969 80.00 424,000 7.250 20010801 20310701 360 2,892.43 20010801 360 6440645031 60.03 486,300 6.625 20010801 20310701 360 3,113.84 20010801 360 6441073464 74.56 302,000 6.625 20010801 20310701 360 1,933.74 20010801 360 6441989990 80.00 584,000 7.375 20010901 20310801 360 4,033.55 20010901 360 6443365439 73.10 300,000 7.000 20010701 20310601 360 1,995.91 20010801 359 6445505735 55.15 910,000 6.125 20010801 20310701 360 5,529.26 20010801 360 6447408979 61.87 402,539 6.625 20010701 20310601 360 2,577.51 20010801 359 6448231958 27.16 353,400 6.500 20010701 20310601 360 2,233.73 20010801 359 6449777900 60.60 1,000,000 7.000 20010801 20310701 360 6,653.03 20010801 360 6449844247 41.66 375,000 6.750 20010801 20310701 360 2,432.25 20010801 360 6450564239 70.87 610,000 6.875 20010701 20310601 360 4,007.27 20010801 359 6451993528 58.93 650,000 6.625 20010601 20310501 360 4,162.03 20010901 358 6452422766 80.00 364,000 7.250 20010901 20310801 360 2,483.13 20010901 360 6456445656 79.43 740,000 6.000 20010801 20310701 360 4,436.68 20010901 360 6456670139 75.00 442,500 6.875 20010901 20310801 360 2,906.91 20010901 360 6458571962 42.01 355,000 7.125 20010801 20310701 360 2,391.71 20010801 360 6459049323 80.00 440,000 7.250 20010901 20310801 360 3,001.58 20010901 360 6459051493 79.99 417,959 6.000 20010901 20310801 360 2,505.88 20010901 360 6460463844 59.02 368,900 6.625 20010801 20310701 360 2,362.11 20010801 360 6463225141 71.00 344,360 6.625 20010801 20310701 360 2,204.98 20010801 360 6463774759 62.58 970,000 6.750 20010801 20310701 360 6,291.41 20010801 360 6463970803 62.32 998,000 6.750 20010701 20310601 360 6,473.01 20010801 359 6464482345 66.99 285,000 6.250 20010801 20310701 360 1,754.80 20010901 360 6465021316 65.27 470,000 7.000 20010801 20310701 360 3,126.93 20010801 360 6466164826 66.28 444,500 6.750 20010701 20310601 360 2,883.02 20010801 359 6468363806 74.71 650,000 7.125 20010801 20310701 360 4,379.18 20010801 360 6469095506 53.95 405,000 6.500 20010701 20310601 360 2,559.88 20010801 359 6469529652 80.00 391,200 6.750 20010801 20310701 360 2,537.32 20010801 360 6470605400 68.21 510,000 6.750 20010701 20310601 360 3,307.86 20010801 359 6470710572 31.15 405,000 7.250 20010801 20310701 360 2,762.82 20010801 360 6474297634 74.91 367,500 5.500 20010701 20310601 360 2,086.63 20010801 359 6474772008 79.85 308,000 6.500 20010701 20310601 360 1,946.77 20010901 359 6475140403 65.73 300,000 7.000 20010701 20310601 360 1,995.91 20010801 359 6478561779 70.00 332,500 6.500 20010801 20310701 360 2,101.63 20010801 360 6478810036 60.22 530,000 6.875 20010901 20310801 360 3,481.73 20010901 360 6479104835 58.19 355,000 7.375 20010901 20310801 360 2,451.90 20010901 360 6479439736 79.93 748,000 7.000 20010701 20310601 360 4,976.47 20010801 359 6481372016 79.83 572,240 5.750 20010701 20310601 360 3,339.44 20010901 359 6484229825 74.92 502,000 6.625 20010901 20310801 360 3,214.37 20010901 360 6485450131 80.00 580,000 6.875 20010801 20310701 360 3,810.19 20010801 360 6485902768 54.49 300,000 6.875 20010701 20310601 360 1,970.79 20010801 359 6485923525 60.00 525,000 6.375 20010801 20310701 360 3,275.32 20010801 360 6486778134 79.93 320,000 7.375 20010701 20310601 360 2,210.17 20010801 359 6487325877 69.32 340,000 6.750 20010801 20310701 360 2,205.24 20010901 360 6487558782 74.88 306,000 7.250 20010701 20310601 360 2,087.46 20010901 359 6488379899 58.60 525,000 6.375 20010701 20310601 360 3,275.32 20010801 359 6488609998 95.00 374,775 7.500 20010801 20310701 360 2,620.49 20010801 360 6491739774 54.16 650,000 6.875 20010901 20310801 360 4,270.04 20010901 360 6493430034 80.00 328,000 7.000 20010801 20310701 360 2,182.20 20010801 360 6494742809 79.93 336,000 6.875 20010801 20310701 360 2,207.29 20010901 360 6495104157 53.04 610,000 6.875 20010801 20310701 360 4,007.27 20010801 360 6495636588 74.93 375,000 6.875 20010701 20310601 360 2,463.49 20010801 359 6497805249 49.37 800,000 6.875 20010801 20310701 360 5,255.44 20010801 360 6498118659 70.00 962,500 7.375 20010901 20310801 360 6,647.75 20010901 360 6498320560 65.24 493,000 6.625 20010701 20310601 360 3,156.74 20010801 359 6498474474 79.92 575,200 6.375 20010701 20310601 360 3,588.50 20010801 359 6499864350 31.19 500,000 7.000 20010701 20310601 360 3,326.52 20010901 359 6503090703 80.00 640,000 7.000 20010801 20310701 360 4,257.94 20010801 360 6504106417 74.94 483,750 7.125 20010801 20310701 360 3,259.12 20010901 360 6504941623 79.93 380,000 6.750 20010701 20310601 360 2,464.68 20010801 359 6507862719 69.88 350,000 6.875 20010701 20310601 360 2,299.26 20010901 359 6508268726 61.48 600,000 6.750 20010801 20310701 360 3,891.59 20010901 360 6508594238 50.78 650,000 7.000 20010901 20310801 360 4,324.47 20010901 360 6509052327 80.00 440,000 7.125 20010901 20310801 360 2,964.37 20010901 360 6509499536 73.79 520,000 6.500 20010901 20310801 360 3,286.76 20010901 360 6509737828 11.35 432,000 6.875 20010701 20310601 360 2,837.94 20010801 359 6509807969 79.93 381,200 6.750 20010701 20310601 360 2,472.46 20010801 359 6510709832 64.36 457,000 6.875 20010801 20310701 360 3,002.17 20010801 360 6512736783 79.71 330,000 6.125 20010601 20310501 360 2,005.12 20010901 358 6513416518 58.75 400,000 5.500 20010701 20310601 360 2,271.16 20010801 359 6514096939 69.31 385,000 6.875 20010701 20310601 360 2,529.18 20010801 359 6514906574 62.02 322,810 7.000 20010701 20310601 360 2,147.67 20010801 359 6515514864 46.38 325,000 6.625 20010701 20310601 360 2,081.02 20010801 359 6515596481 79.85 468,000 6.375 20010701 20310601 360 2,919.72 20010901 359 6517265069 71.11 320,000 6.750 20010801 20310701 360 2,075.52 20010801 360 6517999899 72.31 350,000 7.000 20010901 20310801 360 2,328.56 20010901 360 6519325911 47.03 290,000 6.500 20010701 20310601 360 1,833.00 20010801 359 6519780883 94.92 375,250 6.875 20010701 20310601 360 2,465.13 20010801 359 6520402857 60.33 314,000 6.750 20010701 20310601 360 2,036.60 20010801 359 6520432805 54.95 550,000 7.000 20010701 20310601 360 3,659.17 20010801 359 6520893964 64.43 308,000 6.875 20010801 20310701 360 2,023.35 20010801 360 6521437415 68.21 324,000 6.875 20010801 20310701 360 2,128.45 20010801 360 6521518800 63.04 290,000 7.000 20010801 20310701 360 1,929.38 20010801 360 6521674892 80.00 611,920 6.750 20010801 20310701 360 3,968.91 20010801 360 6521938263 80.00 320,000 6.875 20010801 20310701 360 2,102.18 20010801 360 6521998754 80.00 512,000 6.750 20010801 20310701 360 3,320.83 20010801 360 6522444360 40.42 950,000 6.750 20010901 20310801 360 6,161.69 20010901 360 6523674338 69.16 450,000 6.125 20010701 20310601 360 2,734.25 20010801 359 6523987656 73.55 346,000 6.625 20010701 20310601 360 2,215.48 20010801 359 6524255954 45.41 300,000 6.125 20010701 20310601 360 1,822.84 20010801 359 6524768683 79.00 554,000 6.750 20010601 20310501 360 3,593.24 20010801 358 6525369671 65.64 456,200 6.750 20010801 20310701 360 2,958.91 20010801 360 6527104381 47.23 390,000 7.000 20010701 20310601 360 2,594.68 20010801 359 6529056753 77.07 566,500 7.500 20010801 20310701 360 3,961.06 20010801 360 6530196499 79.82 400,000 7.625 20010701 20310601 360 2,831.18 20010801 359 6531194501 75.00 602,250 6.375 20010801 20310701 360 3,757.26 20010801 360 6532209704 80.00 288,000 6.875 20010801 20310701 360 1,891.96 20010801 360 6532471098 42.67 427,500 6.625 20010701 20310601 360 2,737.33 20010901 359 6532726855 79.93 390,288 7.000 20010701 20310601 360 2,596.60 20010801 359 6532788798 78.98 360,000 6.250 20010701 20310601 360 2,216.59 20010801 359 6533511850 79.92 328,000 6.250 20010701 20310601 360 2,019.56 20010801 359 6534336356 79.93 428,400 6.875 20010701 20310601 360 2,814.29 20010801 359 6534985707 74.22 338,000 7.000 20010701 20310601 360 2,248.73 20010801 359 6536717165 89.88 404,500 6.875 20010901 20310801 360 2,657.28 20010901 360 6538609188 80.00 480,000 6.625 20010801 20310701 360 3,073.50 20010801 360 6539658739 69.23 675,000 7.125 20010801 20310701 360 4,547.60 20010801 360 6539953189 67.44 424,927 5.875 20010801 20310701 360 2,513.61 20010801 360 6541309578 41.84 400,000 6.750 20010701 20310601 360 2,594.40 20010801 359 6543135377 75.75 455,000 6.125 20010701 20310601 360 2,764.63 20010801 359 6543897208 51.33 385,000 7.125 20010801 20310701 360 2,593.82 20010801 360 6545424233 54.59 600,000 7.000 20010901 20310801 360 3,991.82 20010901 360 6545641133 79.93 380,000 6.750 20010701 20310601 360 2,464.68 20010801 359 6546392918 14.50 726,000 7.000 20010701 20270601 312 5,059.05 20010801 311 6547500980 56.25 932,000 6.500 20010701 20310601 360 5,890.88 20010901 359 6551375873 61.96 462,000 6.875 20010701 20310601 360 3,035.02 20010801 359 6551581272 53.26 612,500 7.375 20010801 20310701 360 4,230.39 20010801 360 6552411859 64.07 330,000 6.875 20010801 20310701 360 2,167.87 20010801 360 6552771674 69.86 427,000 6.125 20010701 20310601 360 2,594.50 20010901 359 6553648764 65.56 524,500 7.375 20010801 20310701 360 3,622.60 20010801 360 6553778215 54.12 650,000 6.875 20010701 20310601 360 4,270.04 20010801 359 6554178688 74.93 525,000 6.875 20010801 20310701 360 3,448.88 20010901 360 6554526936 60.86 353,000 6.750 20010801 20310701 360 2,289.56 20010801 360 6555145579 79.20 400,000 6.875 20010801 20310701 360 2,627.72 20010801 360 6555332805 75.00 397,500 7.000 20010901 20310801 360 2,644.58 20010901 360 6555635256 66.60 1,000,000 6.125 20010701 20310601 360 6,076.11 20010801 359 6555716684 53.10 504,500 6.625 20010801 20310701 360 3,230.37 20010801 360 6556219035 23.91 550,000 6.875 20010801 20310701 360 3,613.11 20010801 360 6557027890 49.95 425,000 6.625 20010701 20310601 360 2,721.33 20010801 359 6558476070 80.00 360,000 6.875 20010901 20310801 360 2,364.95 20010901 360 6559349532 79.93 920,000 7.250 20010701 20310601 360 6,276.03 20010801 359 6560089846 80.00 416,000 7.375 20010801 20310701 360 2,873.21 20010801 360 6560178813 77.76 319,500 6.875 20010801 20310701 360 2,098.89 20010901 360 6563083358 44.33 976,200 6.500 20010801 20310701 360 6,170.25 20010901 360 6563580379 80.00 352,000 7.125 20010901 20310801 360 2,371.49 20010901 360 6565019749 78.76 445,000 7.000 20010801 20310701 360 2,960.60 20010801 360 6565423107 56.60 400,000 6.875 20010701 20310601 360 2,627.72 20010801 359 6567547234 79.72 468,000 6.625 20010701 20310601 360 2,996.66 20010801 359 6567667610 69.35 430,000 7.375 20010801 20310701 360 2,969.91 20010801 360 6568708512 80.00 680,000 6.125 20010801 20310701 360 4,131.76 20010801 360 6572095229 80.00 336,000 7.375 20010901 20310801 360 2,320.67 20010901 360 6572742960 45.70 412,000 6.875 20010701 20310601 360 2,706.55 20010901 359 6574955271 75.40 323,000 6.625 20010701 20310601 360 2,068.21 20010801 359 6576515958 79.93 480,000 6.750 20010801 20310701 360 3,113.28 20010901 360 6576665241 71.93 450,000 6.375 20010701 20310601 360 2,807.42 20010801 359 6578682525 65.57 315,000 7.000 20010801 20310701 360 2,095.71 20010901 360 6579453454 63.10 600,000 7.000 20010801 20310701 360 3,991.82 20010901 360 6580156229 73.82 414,500 7.000 20010701 20310601 360 2,757.68 20010801 359 6582212434 46.80 550,000 6.750 20010801 20310701 360 3,567.29 20010801 360 6582612278 52.20 365,466 6.250 20010801 20310701 360 2,250.24 20010801 360 6582631633 69.40 520,500 6.750 20010801 20310701 360 3,375.96 20010801 360 6583021537 72.66 400,000 6.625 20010801 20310701 360 2,561.25 20010901 360 6583983181 49.39 368,000 6.250 20010801 20310701 360 2,265.84 20010801 360 6586104702 34.42 1,000,000 7.250 20010701 20310601 360 6,821.77 20010901 359 6586852094 79.92 304,000 6.500 20010701 20310601 360 1,921.49 20010801 359 6587076347 66.08 980,000 6.125 20010601 20310501 360 5,954.59 20010801 358 6587380350 79.92 396,000 6.625 20010701 20310601 360 2,535.64 20010801 359 6588336005 71.76 305,000 7.000 20010801 20310701 360 2,029.18 20010801 360 6588877636 75.00 450,000 6.625 20010801 20310701 360 2,881.40 20010801 360 6589857215 69.16 520,000 6.250 20010701 20310601 360 3,201.73 20010901 359 6590332810 72.02 305,000 5.625 20010801 20310701 360 1,755.76 20010901 360 6590414063 64.93 650,000 6.250 20010701 20310601 360 4,002.17 20010801 359 6591339855 89.92 431,100 7.125 20010701 20310601 360 2,904.41 20010801 359 6593193862 42.06 400,000 6.625 20010701 20310601 360 2,561.25 20010801 359 6593328799 50.53 475,000 6.000 20010801 20310701 360 2,847.87 20010801 360 6595082576 58.65 320,000 6.125 20010701 20310601 360 1,944.36 20010801 359 6596202785 63.92 557,328 6.500 20010601 20310501 360 3,522.70 20010901 358 6598022983 48.29 580,000 7.000 20010701 20310601 360 3,858.76 20010801 359 6598055736 74.28 650,000 7.000 20010901 20310801 360 4,324.47 20010901 360 6599143853 63.69 510,000 6.500 20010801 20310701 360 3,223.55 20010901 360 6601805309 69.93 507,500 6.625 20010701 20310601 360 3,249.58 20010801 359 6603430189 69.67 324,000 7.125 20010801 20310701 360 2,182.85 20010801 360 6603602969 62.89 1,000,000 6.750 20010801 20310701 360 6,485.99 20010801 360 6604341278 80.00 508,000 7.125 20010901 20310801 360 3,422.49 20010901 360 6604952280 69.56 800,000 6.875 20010801 20310701 360 5,255.44 20010801 360 6606638432 75.00 750,000 7.250 20010801 20310701 360 5,116.33 20010801 360 6608766397 69.14 363,000 6.500 20010801 20310701 360 2,294.41 20010801 360 6609516205 79.93 484,000 6.875 20010701 20310601 360 3,179.54 20010801 359 6610191279 47.18 340,000 6.750 20010701 20310601 360 2,205.24 20010801 359 6610274463 68.45 560,000 6.625 20010901 20310801 360 3,585.75 20010901 360 6612924800 79.93 303,920 6.750 20010701 20310601 360 1,971.22 20010801 359 6614481114 62.57 404,000 6.000 20010701 20310601 360 2,422.19 20010801 359 6614852918 79.84 615,600 6.250 20010701 20310601 360 3,790.36 20010901 359 6615295497 16.65 1,000,000 6.750 20010701 20310601 360 6,485.99 20010801 359 6616744808 49.20 592,000 6.625 20010601 20310501 360 3,790.65 20010901 358 6618030990 64.54 355,000 7.375 20010901 20310801 360 2,451.90 20010901 360 6620629813 61.53 560,000 6.750 20010801 20310701 360 3,632.15 20010801 360 6624750151 26.28 513,000 6.375 20010701 20310601 360 3,200.46 20010801 359 6624811359 31.48 551,000 6.500 20010801 20310701 360 3,482.70 20010801 360 6625439853 79.85 559,200 6.625 20010701 20310601 360 3,580.62 20010901 359 6626017880 58.66 570,000 7.125 20010701 20310601 360 3,840.20 20010901 359 6626585308 64.00 608,000 6.625 20010801 20310701 360 3,893.10 20010801 360 6627910901 65.15 319,250 6.750 20010801 20310701 360 2,070.65 20010801 360 6628677905 75.00 982,500 6.875 20010801 20310701 360 6,454.33 20010801 360 6631229611 54.53 395,878 6.875 20010801 20310701 360 2,600.64 20010801 360 6631785307 68.42 650,000 6.625 20010801 20310701 360 4,162.03 20010801 360 6633425811 60.10 565,000 6.750 20010801 20310701 360 3,664.58 20010801 360 6633513996 46.99 430,000 7.500 20010801 20310701 360 3,006.63 20010801 360 6634628066 66.40 565,000 5.875 20010701 20310601 360 3,342.19 20010801 359 6635682302 74.94 847,500 7.250 20010801 20310701 360 5,781.45 20010901 360 6638232048 80.00 488,000 7.000 20010801 20310701 360 3,246.68 20010801 360 6639856068 62.82 525,000 6.875 20010701 20310601 360 3,448.88 20010801 359 6643074203 80.00 704,000 6.500 20010801 20310701 360 4,449.76 20010801 360 6643355636 70.00 448,000 7.000 20010901 20310801 360 2,980.56 20010901 360 6643681734 60.71 425,000 6.625 20010801 20310701 360 2,721.33 20010801 360 6643699546 70.00 301,000 6.750 20010801 20310701 360 1,952.29 20010801 360 6643842476 71.42 650,000 6.875 20010801 20310701 360 4,270.04 20010801 360 6644031475 53.63 350,000 6.500 20010901 20310801 360 2,212.24 20010901 360 6647237061 79.92 560,000 6.375 20010701 20310601 360 3,493.68 20010801 359 6647766689 65.22 362,000 6.750 20010801 20310701 360 2,347.93 20010801 360 6647907515 72.72 800,000 7.000 20010801 20310701 360 5,322.42 20010801 360 6648290887 79.93 340,000 7.000 20010801 20310701 360 2,262.03 20010901 360 6649037881 75.69 625,000 7.000 20010701 20310601 360 4,158.15 20010801 359 6649333405 80.00 396,800 6.875 20010901 20310801 360 2,606.70 20010901 360 6649419626 89.99 343,800 7.000 20010801 20310701 360 2,287.31 20010801 360 6650747634 79.93 900,000 6.875 20010801 20310701 360 5,912.36 20010901 360 6652344273 79.91 546,000 7.000 20010801 20310701 360 3,632.56 20010801 360 6654128799 88.00 330,000 7.125 20010801 20310701 360 2,223.28 20010801 360 6655451968 64.81 350,000 6.500 20010801 20310701 360 2,212.24 20010801 360 6656811558 76.81 497,000 6.875 20010801 20310701 360 3,264.94 20010801 360 6656918262 70.00 395,500 6.625 20010801 20310701 360 2,532.44 20010801 360 6658798126 73.03 650,000 6.875 20010901 20310801 360 4,270.04 20010901 360 6659530148 70.27 572,743 6.500 20010801 20310701 360 3,620.13 20010801 360 6659814765 42.72 737,000 7.000 20010801 20310701 360 4,903.28 20010801 360 6661437142 74.20 371,000 6.875 20010801 20310701 360 2,437.21 20010801 360 6664576078 80.00 503,000 7.125 20010801 20310701 360 3,388.81 20010801 360 6665380165 79.93 316,200 6.875 20010701 20310601 360 2,077.21 20010801 359 6665570245 80.00 520,000 6.500 20010801 20310701 360 3,286.76 20010801 360 6667899477 79.82 303,200 5.500 20010701 20310601 360 1,721.54 20010901 359 6669962166 69.61 425,000 6.750 20010701 20310601 360 2,756.55 20010801 359 6671765714 30.65 352,800 6.875 20010701 20310601 360 2,317.65 20010801 359 6671949144 59.01 540,000 6.875 20010801 20310701 360 3,547.42 20010801 360 6673066590 80.00 344,000 6.875 20010901 20310801 360 2,259.84 20010901 360 6674158933 70.00 787,500 6.500 20010801 20310701 360 4,977.54 20010801 360 6674160939 35.04 456,000 6.625 20010801 20310701 360 2,919.82 20010901 360 6674408643 80.00 348,000 6.625 20010801 20310701 360 2,228.29 20010801 360 6674570947 79.92 432,800 6.250 20010801 20310701 360 2,664.83 20010901 360 6676611228 45.08 700,000 6.875 20010701 20310601 360 4,598.51 20010901 359 6679052529 59.94 600,000 6.250 20010701 20310601 360 3,694.31 20010801 359 6679635323 75.00 750,000 6.750 20010801 20310701 360 4,864.49 20010801 360 6680232813 80.00 552,000 6.875 20010801 20310701 360 3,626.25 20010801 360 6681963440 79.82 447,000 6.625 20010901 20310801 360 2,862.20 20010901 360 6682175424 72.66 400,000 6.875 20010701 20310601 360 2,627.72 20010801 359 6683418716 79.93 380,000 6.750 20010801 20310701 360 2,464.68 20010901 360 6684783266 74.22 360,000 7.500 20010801 20310701 360 2,517.18 20010801 360 6687759727 79.86 384,400 6.875 20010701 20310601 360 2,525.24 20010901 359 6691294026 69.60 870,000 6.625 20010801 20310701 360 5,570.71 20010801 360 6691776741 72.73 317,000 6.375 20010701 20310601 360 1,977.67 20010901 359 6693419860 86.88 500,000 7.000 20010701 20310601 360 3,326.52 20010801 359 6695110822 79.84 528,000 6.125 20010701 20310601 360 3,208.19 20010901 359 6701175918 80.00 430,000 6.750 20010901 20310801 360 2,788.98 20010901 360 6705892864 78.78 650,000 7.000 20010801 20310701 360 4,324.47 20010801 360 6707099591 66.66 420,000 6.750 20010801 20310701 360 2,724.12 20010801 360 6710555456 33.20 498,000 6.750 20010801 20310701 360 3,230.02 20010801 360 6710642239 53.36 641,000 6.375 20010701 20310601 360 3,999.01 20010801 359 6710868909 79.99 490,700 7.000 20010801 20310701 360 3,264.64 20010801 360 6711494226 79.86 461,600 6.875 20010701 20310601 360 3,032.39 20010901 359 6715083165 79.92 487,200 6.625 20010701 20310601 360 3,119.60 20010801 359 6715146582 80.00 428,000 7.000 20010801 20310701 360 2,847.50 20010801 360 6716254609 80.00 452,000 6.625 20010801 20310701 360 2,894.21 20010801 360 6717790510 69.96 913,000 6.625 20010801 20310701 360 5,846.04 20010801 360 6718430835 89.72 325,800 6.875 20010701 20310601 360 2,140.28 20010901 359 6720372215 80.00 317,600 6.250 20010801 20310701 360 1,955.52 20010801 360 6720595534 79.92 432,000 6.250 20010701 20310601 360 2,659.90 20010801 359 6722223879 74.94 309,000 7.375 20010801 20310701 360 2,134.19 20010901 360 6722803415 69.69 345,000 6.500 20010801 20310701 360 2,180.64 20010801 360 6723802929 41.77 330,000 6.875 20010801 20310701 360 2,167.87 20010801 360 6724154783 78.69 445,000 6.750 20010701 20310601 360 2,886.27 20010801 359 6725261207 79.77 616,000 6.750 20010601 20310501 360 3,995.37 20010801 358 6725326794 69.59 420,000 6.625 20010701 20310601 360 2,689.31 20010801 359 6725485459 75.00 411,750 7.000 20010801 20310701 360 2,739.39 20010801 360 6727739085 59.70 400,000 6.750 20010801 20310701 360 2,594.40 20010801 360 6728562098 80.00 463,200 7.125 20010801 20310701 360 3,120.67 20010801 360 6730732119 75.00 442,500 6.750 20010901 20310801 360 2,870.05 20010901 360 6730812853 77.38 650,000 6.500 20010801 20310701 360 4,108.45 20010801 360 6733645458 78.13 336,000 6.875 20010801 20310701 360 2,207.29 20010801 360 6735167469 79.06 589,000 6.375 20010801 20310701 360 3,674.60 20010801 360 6735574177 80.00 504,000 6.250 20010801 20310701 360 3,103.22 20010801 360 6737553823 45.10 325,000 6.875 20010701 20310601 360 2,135.02 20010801 359 6739473152 68.96 400,000 6.875 20010801 20310701 360 2,627.72 20010801 360 6740408981 78.10 399,000 6.875 20010601 20310501 360 2,621.15 20010801 358 6741169699 68.72 368,000 6.625 20010801 20310701 360 2,356.35 20010901 360 6741933540 66.59 386,600 6.500 20010701 20310601 360 2,443.58 20010801 359 6742888354 69.69 345,000 7.000 20010901 20310801 360 2,295.30 20010901 360 6743370899 46.26 775,000 6.375 20010801 20310701 360 4,835.00 20010801 360 6743528538 79.93 420,000 7.375 20010801 20310701 360 2,900.84 20010901 360 6745921079 80.00 342,580 7.000 20010801 20310701 360 2,279.20 20010801 360 6748399125 80.00 308,000 6.875 20010801 20310701 360 2,023.35 20010801 360 6749455314 38.23 650,000 6.875 20010901 20310801 360 4,270.04 20010901 360 6751610079 53.86 500,000 6.875 20010701 20310601 360 3,284.65 20010801 359 6753469813 77.66 482,000 6.375 20010801 20310701 360 3,007.06 20010901 360 6754252937 80.00 600,000 7.000 20010901 20310801 360 3,991.82 20010901 360 6755244982 76.19 400,000 7.125 20010801 20310701 360 2,694.88 20010801 360 6755674899 64.50 450,000 6.875 20010701 20310601 360 2,956.18 20010801 359 6756111131 69.56 425,000 7.125 20010601 20310501 360 2,863.31 20010801 358 6759936583 78.93 592,000 7.125 20010801 20310701 360 3,988.42 20010801 360 6760700911 59.40 400,000 6.625 20010601 20310501 360 2,561.25 20010901 358 6761469342 50.31 322,000 6.500 20010801 20310701 360 2,035.26 20010801 360 6762158993 46.24 578,000 6.875 20010801 20310701 360 3,797.05 20010801 360 6762867221 67.63 352,000 6.875 20010801 20310701 360 2,312.39 20010901 360 6765469470 80.00 428,000 7.125 20010901 20310801 360 2,883.52 20010901 360 6766421488 80.00 476,000 7.125 20010801 20310701 360 3,206.91 20010801 360 6766826199 71.42 1,000,000 6.875 20010801 20310701 360 6,569.29 20010801 360 6766838723 79.92 356,000 6.000 20010701 20310601 360 2,134.40 20010801 359 6767168724 79.92 345,600 6.500 20010701 20310601 360 2,184.43 20010801 359 6768449651 59.05 750,000 6.875 20010801 20310701 360 4,926.97 20010801 360 6770320338 20.40 1,000,000 6.500 20010901 20310801 360 6,320.68 20010901 360 6770554183 75.00 525,000 7.125 20010801 20310701 360 3,537.03 20010801 360 6770827001 40.85 429,000 6.625 20010801 20310701 360 2,746.94 20010801 360 6771081079 76.84 511,000 7.125 20010901 20310801 360 3,442.71 20010901 360 6771249502 79.06 338,400 6.750 20010901 20310801 360 2,194.86 20010901 360 6771384010 50.00 350,000 6.625 20010801 20310701 360 2,241.09 20010801 360 6772737463 68.86 965,000 6.875 20010701 20310601 360 6,339.37 20010801 359 6773071847 79.92 440,000 6.625 20010701 20310601 360 2,817.37 20010801 359 6773318479 80.00 426,000 6.875 20010901 20310801 360 2,798.52 20010901 360 6773347817 72.58 480,000 6.250 20010601 20310501 360 2,955.45 20010801 358 6773849432 53.37 483,000 6.625 20010801 20310701 360 3,092.71 20010801 360 6774169095 44.44 400,000 6.875 20010801 20310701 360 2,627.72 20010801 360 6774838707 42.85 450,000 6.625 20010801 20310701 360 2,881.40 20010801 360 6774880261 79.83 400,000 5.875 20010701 20310601 360 2,366.16 20010901 359 6777002798 78.74 415,000 6.750 20010801 20310701 360 2,691.69 20010801 360 6777600716 79.92 536,000 6.500 20010701 20310601 360 3,387.89 20010801 359 6777829539 95.00 300,200 7.250 20010901 20310801 360 2,047.90 20010901 360 6779785267 60.90 609,000 6.750 20010801 20310701 360 3,949.97 20010801 360 6780128234 44.39 927,000 7.000 20010801 20310701 360 6,167.36 20010801 360 6781110686 69.32 340,000 6.250 20010701 20310601 360 2,093.44 20010801 359 6783090985 80.00 417,200 6.875 20010901 20310801 360 2,740.71 20010901 360 6785568376 70.00 590,800 6.500 20010801 20310701 360 3,734.26 20010801 360 6788133749 80.00 343,200 7.125 20010801 20310701 360 2,312.21 20010801 360 6788584123 79.93 420,000 6.750 20010701 20310601 360 2,724.12 20010801 359 6790423518 74.94 326,000 7.000 20010801 20310701 360 2,168.89 20010801 360 6790508482 95.00 332,500 6.875 20010801 20310701 360 2,184.29 20010801 360 6791355867 61.50 341,657 6.750 20010801 20310701 360 2,215.99 20010901 360 6792586031 35.45 390,000 6.875 20010801 20310701 360 2,562.03 20010801 360 6793164176 78.00 487,500 6.125 20010901 20310801 360 2,962.11 20010901 360 6794665833 61.11 550,000 7.000 20010801 20310701 360 3,659.17 20010801 360 6794769106 37.03 1,000,000 6.750 20010801 20310701 360 6,485.99 20010801 360 6795286761 60.87 557,000 6.375 20010801 20310701 360 3,474.96 20010801 360 6798992704 80.00 392,000 7.250 20010801 20310701 360 2,674.14 20010801 360 6799205676 79.92 340,000 6.125 20010701 20310601 360 2,065.88 20010801 359 6800267434 69.92 560,000 5.500 20010701 20310601 360 3,179.62 20010801 359 6802924024 80.00 334,400 6.875 20010801 20310701 360 2,196.77 20010801 360 6803198818 74.99 753,350 6.625 20010801 20310701 360 4,823.79 20010801 360 6803544417 49.96 1,000,000 7.250 20010701 20310601 360 6,821.77 20010801 359 6803611901 66.66 900,000 7.000 20010801 20310701 360 5,987.73 20010801 360 6806939325 80.00 456,000 6.875 20010801 20310701 360 2,995.60 20010801 360 6807450728 74.87 505,500 6.750 20010701 20310601 360 3,278.67 20010901 359 6807601536 48.22 773,000 6.625 20010701 20310601 360 4,949.61 20010901 359 6807916355 40.50 300,000 7.250 20010701 20310601 360 2,046.53 20010801 359 6808455346 41.45 330,000 6.875 20010901 20310801 360 2,167.87 20010901 360 6808565797 80.00 576,000 6.125 20010801 20310701 360 3,499.84 20010801 360 6808980491 80.00 528,000 7.125 20010801 20310701 360 3,557.24 20010801 360 6809230961 80.00 504,000 6.875 20010801 20310701 360 3,310.93 20010801 360 6810418308 56.83 384,000 6.125 20010701 20310601 360 2,333.23 20010801 359 6812155692 28.12 450,000 6.875 20010801 20310701 360 2,956.18 20010801 360 6812178751 79.00 474,000 7.000 20010801 20310701 360 3,153.54 20010801 360 6816935305 75.00 307,500 7.375 20010901 20310801 360 2,123.83 20010901 360 6817094136 49.95 950,000 6.875 20010701 20310601 360 6,240.83 20010801 359 6818985332 80.00 400,000 6.875 20010901 20310801 360 2,627.72 20010901 360 6820700422 48.29 355,000 6.750 20010801 20310701 360 2,302.53 20010801 360 6822145535 79.31 464,000 6.875 20010801 20310701 360 3,048.15 20010801 360 6822298870 48.86 454,400 6.625 20010801 20310701 360 2,909.58 20010801 360 6822800691 45.94 850,000 6.625 20010801 20310701 360 5,442.65 20010801 360 6823312894 32.73 500,000 6.750 20010701 20310601 360 3,243.00 20010901 359 6823818296 62.48 478,000 6.875 20010901 20310801 360 3,140.12 20010901 360 6823864696 53.75 350,000 6.750 20010701 20310601 360 2,270.10 20010901 359 6825472993 67.67 400,000 6.750 20010701 20310601 360 2,594.40 20010901 359 6825741009 43.02 625,000 6.375 20010601 20310501 360 3,899.19 20010801 358 6828527165 79.86 740,800 7.000 20010701 20310601 360 4,928.57 20010901 359 6830611239 38.61 696,199 7.125 20010601 20310501 360 4,690.43 20010801 358 6830649635 76.29 690,440 6.625 20010801 20310701 360 4,420.97 20010801 360 6833561035 80.00 389,600 6.375 20010801 20310701 360 2,430.60 20010801 360 6833733253 70.82 612,600 7.000 20010901 20310801 360 4,075.65 20010901 360 6833818435 80.00 556,000 7.250 20010901 20310801 360 3,792.91 20010901 360 6835486744 80.00 296,000 6.500 20010801 20310701 360 1,870.93 20010801 360 6838722574 80.00 444,000 6.625 20010801 20310701 360 2,842.99 20010801 360 6841510859 42.55 1,000,000 6.750 20010801 20310701 360 6,485.99 20010801 360 6842060169 74.87 300,000 6.875 20010601 20310501 360 1,970.79 20010801 358 6843877272 67.18 501,000 6.500 20010701 20310601 360 3,166.67 20010801 359 6844455755 79.91 300,000 5.500 20010701 20310601 360 1,703.37 20010801 359 6844536596 70.00 353,500 7.000 20010801 20310701 360 2,351.85 20010801 360 6844649886 79.92 352,000 6.625 20010801 20310701 360 2,253.90 20010901 360 6844675477 78.94 600,000 7.000 20010801 20310701 360 3,991.82 20010801 360 6844876372 89.92 436,500 6.625 20010701 20310601 360 2,794.96 20010801 359 6845976221 79.88 512,000 6.750 20010901 20310801 360 3,320.83 20010901 360 6847330187 79.93 940,000 7.375 20010801 20310701 360 6,492.35 20010901 360 6847364194 73.17 750,000 7.000 20010901 20310801 360 4,989.77 20010901 360 6848621071 54.00 1,000,000 6.875 20010701 20310601 360 6,569.29 20010801 359 6848723950 79.99 314,850 6.625 20010801 20310701 360 2,016.02 20010801 360 6849011132 78.99 417,900 7.375 20010801 20310701 360 2,886.34 20010801 360 6851375698 62.50 685,000 6.500 20010801 20310701 360 4,329.67 20010901 360 6853180906 80.00 318,400 6.625 20010801 20310701 360 2,038.76 20010801 360 6853852009 74.64 400,000 6.375 20010701 20310601 360 2,495.48 20010901 359 6856108060 80.00 348,000 7.125 20010801 20310701 360 2,344.55 20010801 360 6856445702 80.00 404,800 7.000 20010801 20310701 360 2,693.15 20010801 360 6858728311 62.41 368,237 6.750 20010801 20310701 360 2,388.38 20010801 360 6859358282 75.34 396,991 6.750 20010701 20310601 360 2,574.88 20010901 359 6859423813 79.93 380,800 6.875 20010701 20310601 360 2,501.59 20010801 359 6863945454 61.69 880,000 6.375 20010701 20310601 360 5,490.06 20010801 359 6864337511 69.44 750,000 7.000 20010901 20310801 360 4,989.77 20010901 360 6865117607 72.72 400,000 7.000 20010901 20310801 360 2,661.21 20010901 360 6865679697 80.00 380,000 6.875 20010901 20310801 360 2,496.33 20010901 360 6866235457 80.00 340,000 6.750 20010801 20310701 360 2,205.24 20010801 360 6866431874 80.00 308,800 6.875 20010901 20310801 360 2,028.60 20010901 360 6867011345 45.67 407,000 7.000 20010701 20260601 300 2,876.60 20010801 299 6867230309 56.23 433,000 6.875 20010801 20310701 360 2,844.51 20010801 360 6868604031 44.82 650,000 6.500 20010801 20310701 360 4,108.45 20010801 360 6870530646 74.05 315,000 6.500 20010701 20310601 360 1,991.02 20010801 359 6870580799 72.47 395,000 6.625 20010801 20310701 360 2,529.23 20010801 360 6871634082 30.80 647,000 6.750 20010801 20310701 360 4,196.43 20010801 360 6872768897 26.76 750,000 7.125 20010801 20310701 360 5,052.89 20010901 360 6873087479 77.47 399,000 7.000 20010801 20310701 360 2,654.56 20010801 360 6873338195 55.90 700,000 6.750 20010701 20310601 360 4,540.19 20010901 359 6873527243 62.88 463,000 6.625 20010601 20310501 360 2,964.64 20010801 358 6873925157 35.83 538,000 6.500 20010701 20310601 360 3,400.53 20010801 359 6874614578 50.63 451,000 6.750 20010701 20310601 360 2,925.18 20010801 359 6874796904 79.86 460,000 6.750 20010701 20310601 360 2,983.56 20010901 359 6875201318 62.69 615,000 6.500 20010801 20310701 360 3,887.22 20010801 360 6875354893 65.08 456,000 6.750 20010701 20310601 360 2,957.61 20010801 359 6876037596 46.47 608,000 6.875 20010701 20310601 360 3,994.13 20010801 359 6876260321 39.48 993,800 6.875 20010801 20310701 360 6,528.56 20010801 360 6878800405 65.19 385,000 6.750 20010801 20310701 360 2,497.11 20010901 360 6879393921 80.00 368,000 7.375 20010801 20310701 360 2,541.69 20010801 360 6881827247 80.00 392,000 7.125 20010901 20310801 360 2,640.98 20010901 360 6882339515 65.00 559,000 7.000 20010801 20310701 360 3,719.05 20010801 360 6882793752 75.76 591,000 7.000 20010801 20310701 360 3,931.94 20010801 360 6882872465 79.93 723,000 6.375 20010901 20310801 360 4,510.82 20010901 360 6883173723 79.86 318,400 6.875 20010701 20310601 360 2,091.67 20010901 359 6883492354 74.31 450,000 6.875 20010701 20310601 360 2,956.18 20010801 359 6883543362 70.21 495,000 6.875 20010801 20310701 360 3,251.80 20010801 360 6885278587 32.54 313,000 6.500 20010801 20310701 360 1,978.38 20010901 360 6890995381 80.00 508,000 6.875 20010801 20310701 360 3,337.20 20010801 360 6891300581 79.92 375,200 6.500 20010701 20310601 360 2,371.52 20010801 359 6893215951 89.84 328,950 6.875 20010601 20310501 360 2,160.97 20010801 358 6894403978 66.66 510,000 6.250 20010801 20310701 360 3,140.16 20010801 360 6895768510 89.92 369,000 7.000 20010701 20310601 360 2,454.97 20010801 359 6896799068 77.95 350,000 6.875 20010801 20310701 360 2,299.26 20010801 360 6897854573 66.51 466,000 6.625 20010701 20310601 360 2,983.85 20010801 359 6898062275 50.54 860,000 7.000 20010701 20310601 360 5,721.61 20010801 359 6898173247 24.39 500,000 6.875 20010801 20310701 360 3,284.65 20010801 360 6899784117 63.69 510,000 6.750 20010701 20310601 360 3,307.86 20010801 359 6900361012 80.00 584,000 7.375 20010801 20310701 360 4,033.55 20010801 360 6900448827 80.00 680,000 6.625 20010801 20310701 360 4,354.12 20010801 360 6901606670 56.52 650,000 6.625 20010801 20310701 360 4,162.03 20010801 360 6902406369 80.00 368,000 7.125 20010901 20310801 360 2,479.29 20010901 360 6902813119 80.00 376,000 7.125 20010901 20310801 360 2,533.19 20010901 360 6903154208 79.05 360,000 7.125 20010701 20310601 360 2,425.39 20010801 359 6903772173 40.98 400,000 6.375 20010701 20310601 360 2,495.48 20010801 359 6903881941 69.53 904,000 6.875 20010801 20310701 360 5,938.64 20010801 360 6904187496 47.00 470,000 6.625 20010901 20310801 360 3,009.47 20010901 360 6904393086 79.42 420,000 6.750 20010701 20310601 360 2,724.12 20010801 359 6907840604 79.94 519,650 5.875 20010801 20310701 360 3,073.93 20010801 360 6908549790 55.57 381,000 6.875 20010701 20310601 360 2,502.90 20010801 359 6909525955 78.25 560,000 7.125 20010801 20310701 360 3,772.83 20010901 360 6909689108 53.63 590,000 7.250 20010801 20310701 360 4,024.85 20010801 360 6910667796 78.14 750,000 7.125 20010801 20310701 360 5,052.89 20010901 360 6915188699 80.00 572,000 7.250 20010801 20310701 360 3,902.05 20010801 360 6916139634 58.18 384,000 6.875 20010801 20310701 360 2,522.61 20010801 360 6916141556 37.43 300,000 6.875 20010701 20310601 360 1,970.79 20010901 359 6916798843 79.85 342,000 6.500 20010701 20310601 360 2,161.68 20010901 359 6916965152 56.99 565,000 5.750 20010701 20310601 360 3,297.19 20010801 359 6918390458 80.00 520,000 6.625 20010801 20310701 360 3,329.62 20010801 360 6918569978 60.45 396,000 6.500 20010801 20310701 360 2,502.99 20010801 360 6919549615 69.90 432,681 6.250 20010901 20310801 360 2,664.10 20010901 360 6921280829 36.92 360,000 6.875 20010801 20310701 360 2,364.95 20010801 360 6921925076 79.93 356,000 6.750 20010701 20310601 360 2,309.01 20010801 359 6922182420 75.13 365,000 6.875 20010701 20310601 360 2,397.80 20010901 359 6922441578 58.80 294,000 7.500 20010901 20310801 360 2,055.70 20010901 360 6922454498 70.00 637,000 6.750 20010801 20310701 360 4,131.57 20010801 360 6924327437 80.00 500,000 7.000 20010801 20310701 360 3,326.52 20010801 360 6925848431 69.60 334,400 7.000 20010701 20310601 360 2,224.78 20010801 359 6927913761 80.00 347,200 7.250 20010901 20310801 360 2,368.52 20010901 360 6928088191 75.00 487,500 7.125 20010801 20310701 360 3,284.38 20010801 360 6929777446 49.95 700,000 7.000 20010701 20310601 360 4,657.12 20010801 359 6932485664 79.93 360,000 7.125 20010801 20310701 360 2,425.39 20010901 360 6933446806 63.49 400,000 6.500 20010801 20310701 360 2,528.28 20010801 360 6934128528 23.52 400,000 6.875 20010801 20310701 360 2,627.72 20010801 360 6934513133 73.71 575,000 6.625 20010801 20310701 360 3,681.79 20010801 360 6934529428 68.12 750,000 6.875 20010701 20310601 360 4,926.97 20010801 359 6935734308 94.90 323,000 7.125 20010701 20310601 360 2,176.12 20010801 359 6936081477 80.00 348,000 6.875 20010901 20310801 360 2,286.12 20010901 360 6936914248 69.21 530,000 6.625 20010701 20310601 360 3,393.65 20010801 359 6937372024 79.92 360,000 6.625 20010701 20310601 360 2,305.12 20010801 359 6941247816 80.00 310,320 6.500 20010901 20310801 360 1,961.44 20010901 360 6941613082 73.00 332,150 6.375 20010801 20310701 360 2,072.19 20010801 360 6941946250 68.69 594,200 6.625 20010801 20310701 360 3,804.73 20010801 360 6943390903 79.99 522,580 6.750 20010901 20310801 360 3,389.45 20010901 360 6944099537 76.39 650,000 6.250 20010701 20310601 360 4,002.17 20010801 359 6944299145 74.87 365,000 7.125 20010801 20310701 360 2,459.08 20010801 360 6944798286 80.00 420,000 6.625 20010801 20310701 360 2,689.31 20010801 360 6945747514 80.00 700,000 6.250 20010801 20310701 360 4,310.03 20010801 360 6945802152 73.81 358,000 7.000 20010801 20310701 360 2,381.79 20010801 360 6946053243 75.00 393,750 6.875 20010901 20310801 360 2,586.66 20010901 360 6946967756 68.98 425,000 6.500 20010701 20310601 360 2,686.29 20010901 359 6947141336 75.81 413,500 7.250 20010701 20310601 360 2,820.80 20010801 359 6947509763 69.43 334,000 5.750 20010701 20310601 360 1,949.14 20010901 359 6949288002 64.15 447,200 6.875 20010701 20310601 360 2,357.89 20010801 359 6950692324 54.54 600,000 6.750 20010801 20310701 360 3,891.59 20010801 360 6950790854 79.99 330,500 7.125 20010901 20310801 360 2,226.64 20010901 360 6951033221 42.00 567,000 6.375 20010801 20310701 360 3,537.35 20010801 360 6952438411 79.86 352,000 6.875 20010701 20310601 360 2,312.39 20010901 359 6953916233 64.95 528,450 7.375 20010701 20310601 360 3,649.88 20010801 359 6955525370 66.37 385,000 7.375 20010901 20310801 360 2,659.10 20010901 360 6955601031 74.94 318,750 7.125 20010701 20310601 360 2,147.48 20010801 359 6955815789 80.00 308,000 6.750 20010801 20310701 360 1,997.69 20010801 360 6955954794 43.25 650,000 6.750 20010601 20310501 360 4,215.89 20010801 358 6957908012 80.00 358,000 6.875 20010801 20310701 360 2,351.81 20010801 360 6958307966 68.99 366,000 6.375 20010701 20310601 360 2,283.37 20010801 359 6958345701 32.84 1,000,000 6.625 20010801 20310701 360 6,403.11 20010801 360 6958556216 90.00 333,000 6.375 20010801 20310701 360 2,077.49 20010801 360 6958984640 51.43 538,000 6.500 20010801 20310701 360 3,400.53 20010901 360 6959219541 79.93 408,000 6.875 20010801 20310701 360 2,680.27 20010901 360 6959834273 68.82 314,000 6.500 20010601 20310501 360 1,984.70 20010901 358 6960173448 62.97 444,000 6.875 20010801 20310701 360 2,916.77 20010801 360 6960387154 48.92 340,000 6.875 20010801 20310701 360 2,233.56 20010801 360 6960514849 79.97 612,000 7.125 20010801 20310701 360 4,123.16 20010801 360 6962289069 74.15 650,000 6.750 20010701 20310601 360 4,215.89 20010901 359 6962682263 31.36 785,000 6.000 20010801 20310701 360 4,706.48 20010901 360 6963148371 79.92 572,000 6.250 20010701 20310601 360 3,521.91 20010801 359 6963431975 70.32 500,000 6.875 20010701 20310601 360 3,284.65 20010801 359 6966676154 69.94 374,500 6.875 20010701 20310601 360 2,460.20 20010801 359 6968634177 80.00 420,000 7.000 20010801 20310701 360 2,794.28 20010801 360 6968734241 41.58 998,000 6.875 20010801 20300701 348 6,625.09 20010801 348 6970166804 58.30 330,000 6.500 20010701 20310601 360 2,085.83 20010901 359 6971282600 79.92 463,200 6.625 20010701 20310601 360 2,965.93 20010801 359 6971340317 65.45 383,200 7.000 20010801 20310701 360 2,549.44 20010901 360 6972327446 51.45 515,000 6.625 20010701 20310601 360 3,297.61 20010801 359 6976908423 38.83 400,000 7.250 20010801 20310701 360 2,728.71 20010801 360 6980529223 74.59 337,500 5.500 20010701 20310601 360 1,916.29 20010901 359 6981190876 73.46 573,000 7.375 20010901 20310801 360 3,957.57 20010901 360 6982176627 55.95 560,000 6.625 20010701 20310601 360 3,585.75 20010801 359 6982464262 63.25 795,800 6.625 20010801 20310701 360 5,095.60 20010901 360 6983017622 89.96 292,400 7.500 20010801 20310701 360 2,044.51 20010801 360 6983811644 79.93 308,908 6.875 20010801 20310701 360 2,029.31 20010901 360 6984052420 80.00 360,000 7.125 20010801 20310701 360 2,425.39 20010801 360 6984260510 79.86 367,960 7.000 20010701 20310601 360 2,448.05 20010901 359 6986441720 67.73 400,000 6.500 20010701 20310601 360 2,528.28 20010801 359 6989038499 59.85 630,000 4.875 20010701 20310601 360 3,334.02 20010901 359 6989166779 50.84 330,000 6.625 20010801 20310701 360 2,113.03 20010801 360 6989916553 80.00 340,000 5.750 20010801 20310701 360 1,984.15 20010801 360 6990841428 78.93 609,500 7.000 20010701 20310601 360 4,055.02 20010801 359 6991665636 80.00 432,000 6.625 20010801 20310701 360 2,766.15 20010801 360 6991920015 65.35 400,000 6.250 20010801 20310701 360 2,462.87 20010801 360 6992639457 63.74 400,000 6.875 20010701 20310601 360 2,627.72 20010801 359 6995646194 75.00 393,750 6.875 20010901 20310801 360 2,586.66 20010901 360 6997051567 74.87 360,000 7.125 20010601 20310501 360 2,425.39 20010801 358 6997348583 51.02 325,000 6.250 20010801 20310701 360 2,001.09 20010801 360 6997535528 10.00 1,000,000 6.875 20010801 20310701 360 6,569.29 20010801 360 6997881351 79.93 584,000 7.250 20010801 20310701 360 3,983.91 20010901 360 6999341222 69.77 356,500 6.625 20010701 20310601 360 2,282.71 20010901 359 6348973840 67.99 650,000 6.625 20010801 20310701 360 4,162.03 20010801 360 6113606534 66.94 395,000 6.000 20010901 20310801 360 2,368.23 20010901 360 6053607419 66.23 440,000 6.250 20010801 20310701 360 2,709.16 20010801 360
EXHIBIT D MORTGAGE LOAN SCHEDULE (cont'd) LOAN SCHEDULED APPRAISAL NUMBER PB FICO VALUE SALES -------------------------------------------------------------------------------- 0029396009 555,909.10 789 700,000 695,588 0029537511 598,479.11 621 875,000 850,000 0029642907 590,406.63 716 740,000 739,956 0029658143 448,712.38 682 610,000 -- 0029662335 411,082.43 768 520,000 515,400 0029685583 291,519.89 734 375,000 365,000 0029698669 404,217.71 626 625,000 -- 0029705787 479,191.17 764 600,000 600,000 0029722832 442,414.42 669 555,000 554,092 0029734944 529,543.68 752 800,000 -- 0029736634 337,356.92 718 422,500 422,500 0029741857 521,897.21 759 654,000 653,800 0029743226 374,684.95 685 500,000 -- 0029746864 434,652.13 668 588,000 -- 0029747961 428,748.27 746 536,500 536,393 0029748092 378,381.85 750 480,000 473,376 0029749397 287,758.05 764 400,000 -- 0029752177 399,620.46 687 500,000 -- 0029753126 494,823.20 733 632,000 619,000 0029754736 372,286.97 759 466,000 465,752 0029757382 427,657.73 725 535,000 -- 0029759180 315,685.42 673 397,500 395,000 0029759313 313,200.00 707 348,000 -- 0029759727 318,931.83 756 399,000 399,000 0029759909 338,928.75 771 430,000 424,000 0029762572 442,128.25 716 590,000 -- 0099050437 399,582.38 765 615,000 615,000 0099050957 348,484.63 665 465,000 -- 0099051377 455,742.17 694 570,700 570,700 0099057366 337,344.43 693 423,000 422,377 0099062325 373,000.70 760 467,000 467,000 0099064156 301,491.11 699 435,000 -- 0099065401 504,248.09 775 1,375,000 -- 0099065849 447,650.52 784 560,000 -- 0099066193 319,473.87 725 515,000 -- 0099067316 299,469.16 768 375,000 -- 0099067456 459,205.66 687 575,000 -- 0099067670 459,224.86 750 645,000 -- 0099067910 507,517.99 713 635,000 635,000 0099068181 359,704.91 720 515,000 -- 0099068207 469,587.70 775 590,000 588,000 0099068736 399,680.13 768 625,000 -- 0099068785 349,726.96 668 730,000 -- 0099069379 299,741.71 654 364,000 353,000 0099069627 534,492.37 748 725,000 725,000 0099070708 299,728.27 762 570,000 570,000 0099071680 512,579.50 755 655,000 -- 0099071714 499,525.58 793 695,000 695,000 0099073553 349,675.84 766 840,000 -- 0099073785 379,672.83 719 825,000 -- 0099073827 369,665.52 722 462,500 462,500 0099074593 431,662.99 731 550,000 540,000 0099075335 569,532.78 690 720,000 -- 0099075574 377,482.60 686 472,300 472,300 0099076457 328,743.35 746 439,000 439,000 0099076556 515,533.53 755 775,000 -- 0099076770 477,573.89 675 598,000 -- 0099076986 509,300.25 719 649,000 639,762 0099076994 489,498.43 721 620,500 612,418 0099078032 399,680.13 775 800,000 695,000 0099079329 415,659.01 778 520,000 -- 0099080186 311,744.25 744 390,000 390,000 0099080707 484,517.18 761 650,000 -- 0099083123 471,631.80 728 590,000 590,000 0099083487 384,540.67 782 500,000 -- 0099085664 344,460.37 731 431,000 430,969 0099085680 415,650.50 697 520,000 -- 0099089781 531,998.13 704 670,000 668,286 0099089914 327,959.39 706 412,000 410,303 0099091845 449,541.21 720 632,000 -- 0099092066 432,254.05 720 569,000 540,803 0099099517 645,470.48 778 900,000 -- 6000074671 491,586.66 747 615,000 615,000 6000597796 337,223.35 713 380,000 375,000 6001019824 444,616.86 733 625,000 623,000 6001148037 379,359.67 782 500,000 475,000 6002705660 594,838.49 755 775,000 745,000 6004206642 547,528.18 712 685,000 685,000 6004813264 343,681.38 761 430,000 -- 6005154783 327,617.68 770 390,000 -- 6006213497 359,726.06 766 450,000 450,000 6006240896 311,744.25 788 390,000 390,000 6008435965 349,726.96 724 593,000 -- 6008688571 405,000.00 692 475,000 450,000 6009330132 474,870.32 690 679,000 679,000 6009824910 367,532.47 713 415,000 -- 6010734553 889,295.34 746 1,375,000 1,290,000 6012291479 315,621.46 665 505,000 -- 6013333684 323,412.59 771 410,000 405,000 6015610907 316,175.75 718 400,000 395,992 6015806521 546,327.27 797 900,000 840,000 6016346923 602,000.00 708 775,000 752,500 6016585702 350,000.00 786 740,000 725,000 6018232931 483,815.11 676 607,000 606,099 6020125115 949,182.06 720 1,550,000 -- 6021786725 424,266.10 785 700,000 -- 6022748120 396,796.65 752 530,000 -- 6023505990 633,377.29 663 835,000 -- 6025791341 293,492.32 720 525,000 -- 6027227575 994,533.96 730 1,350,000 -- 6028663562 648,792.74 832 899,000 899,000 6029048151 489,000.00 772 860,000 699,000 6032250083 406,649.58 759 690,000 -- 6032864933 307,073.08 745 330,000 323,500 6033080505 598,912.24 733 2,400,000 -- 6034183563 771,834.88 792 1,030,000 1,030,000 6034291903 419,309.43 790 530,000 -- 6034464526 944,186.37 786 1,350,000 -- 6035429262 581,000.00 742 830,000 -- 6036147830 387,845.35 658 555,000 -- 6037108377 507,122.78 713 680,000 -- 6038862451 457,194.40 704 700,000 -- 6040076066 399,655.60 750 1,050,000 990,000 6040347087 382,300.40 714 485,000 478,297 6040569375 711,915.96 742 950,000 950,000 6040667328 314,482.07 788 1,725,000 -- 6042135993 673,194.85 792 1,000,000 999,000 6042372406 594,500.00 719 850,000 -- 6044013545 355,670.27 739 450,000 445,000 6045035992 448,613.42 775 649,000 649,000 6047175101 323,747.24 711 675,000 -- 6048565839 394,691.86 813 795,000 795,000 6049839639 351,711.46 673 440,000 440,000 6051405725 359,697.55 712 450,000 -- 6051652763 871,466.75 753 1,500,000 -- 6052892624 339,707.26 780 425,000 -- 6053007271 380,102.93 662 508,000 -- 6053980907 399,182.35 770 835,000 835,000 6056191320 606,950.10 696 760,000 760,000 6062038473 302,769.44 647 319,000 319,000 6065097849 542,000.00 665 700,000 -- 6065564640 584,508.52 758 732,000 731,250 6065953231 359,697.55 769 702,000 -- 6070243685 752,500.00 792 1,200,000 -- 6070266488 415,623.92 702 600,000 -- 6071218447 303,934.44 800 855,000 -- 6072283572 286,159.38 669 358,000 358,000 6073029180 552,097.27 772 1,203,000 -- 6074760130 469,605.14 660 630,000 -- 6074825388 392,196.66 776 615,000 -- 6076767042 437,640.97 722 780,000 -- 6076964649 439,561.97 720 550,000 550,000 6077096409 349,713.11 749 690,000 -- 6078639827 649,426.51 724 465,000 465,000 6080914689 332,951.66 665 490,000 -- 6083435138 388,943.66 754 1,175,000 -- 6083860376 762,524.85 720 815,000 799,091 6084291993 638,140.85 726 740,000 740,000 6084879128 592,000.00 665 820,000 -- 6085008487 573,517.76 763 435,000 435,000 6087939242 347,714.74 789 575,000 575,000 6088843294 431,250.00 735 483,000 482,143 6089700709 385,375.96 739 572,000 -- 6090008407 399,274.82 753 900,000 -- 6090118214 525,524.49 785 1,600,000 -- 6090369676 560,930.71 648 1,000,000 -- 6092314639 699,453.93 774 689,000 -- 6093206230 549,846.18 752 1,300,000 -- 6093754841 548,021.28 717 304,000 304,000 6096611972 288,800.00 791 470,000 469,900 6097499021 422,197.37 771 570,000 -- 6099057173 427,500.00 753 653,000 -- 6099197086 492,000.00 765 5,875,000 -- 6100150165 969,144.19 767 790,000 -- 6103714330 407,345.50 739 1,200,000 -- 6104329054 314,722.08 783 525,000 -- 6105635087 309,752.10 751 540,000 -- 6105666744 317,143.13 783 1,131,000 1,125,000 6106610295 650,000.00 749 430,000 429,000 6106699140 342,635.72 705 925,000 -- 6108806297 565,996.72 744 440,000 -- 6110958169 325,732.78 760 740,000 735,000 6113779208 395,000.00 747 600,000 600,000 6113877036 479,586.72 763 570,000 -- 6113972985 424,434.25 748 415,000 -- 6114866467 303,725.18 752 570,000 -- 6114994632 385,309.14 795 649,000 649,000 6116282473 388,973.77 758 575,000 -- 6118698486 299,754.09 726 585,000 570,000 6119884440 399,000.00 788 453,000 -- 6122038539 359,690.04 767 472,000 472,000 6122163915 377,290.48 787 900,000 -- 6123817550 474,159.52 779 386,000 -- 6124457141 307,219.24 671 700,000 658,000 6125896867 525,979.04 659 985,000 -- 6125971322 633,467.36 767 690,000 690,000 6126334439 551,558.57 741 383,000 -- 6127297544 284,483.30 786 378,000 377,000 6127550637 301,269.87 783 1,100,000 -- 6127730601 570,520.28 716 1,525,000 -- 6128414395 748,573.03 748 372,000 371,879 6129775299 334,408.82 738 555,000 555,000 6130523126 444,000.00 744 920,000 900,000 6132319846 719,409.82 720 1,825,000 1,800,000 6133200987 848,602.44 712 1,500,000 -- 6133795663 911,252.44 684 384,000 -- 6133898640 354,736.53 771 4,800,000 -- 6135148127 748,672.91 732 1,539,000 -- 6136422570 995,163.23 799 1,200,000 -- 6137590359 555,016.20 676 1,200,000 -- 6141399482 549,412.01 793 1,300,000 -- 6146389561 324,720.18 718 850,000 840,000 6146507519 599,508.18 717 730,000 690,000 6146575425 499,093.54 740 584,000 -- 6148080192 466,431.83 791 750,000 750,000 6148675447 598,963.91 780 700,000 678,030 6149270016 541,921.45 793 550,000 550,000 6150168380 439,648.13 744 850,000 850,000 6150715750 615,000.00 643 495,000 -- 6151161707 354,340.65 728 1,400,000 -- 6151997886 649,397.97 793 420,000 402,000 6152585946 320,825.55 697 875,000 -- 6154356585 611,959.60 647 1,400,000 -- 6154421280 499,609.94 711 515,000 -- 6156249960 310,000.00 756 785,000 780,000 6157137792 622,783.92 720 522,500 522,500 6161312829 375,000.00 782 750,000 -- 6161529455 524,569.66 748 1,110,000 1,110,000 6162960402 831,800.59 717 700,000 640,000 6164057769 458,282.13 776 620,000 -- 6164971464 495,583.30 734 1,325,000 -- 6167562658 390,000.00 787 1,225,000 -- 6172810811 549,549.16 777 440,000 436,000 6172981091 325,000.00 724 398,000 384,000 6173996155 306,629.43 752 602,000 -- 6174368701 445,994.02 751 510,000 -- 6174742129 365,692.52 782 515,000 -- 6175576989 349,365.47 723 605,000 605,000 6176366927 483,562.46 778 640,000 640,000 6178334758 400,000.00 725 780,000 -- 6178831787 469,168.35 759 1,525,000 -- 6179208399 810,597.83 757 505,000 -- 6179909517 339,728.10 696 489,000 489,000 6180650068 390,902.32 755 950,000 -- 6181875342 424,651.63 778 700,000 -- 6182581238 488,678.89 676 2,880,000 2,600,000 6183486064 934,252.29 745 475,000 475,000 6186398688 379,259.44 788 742,000 742,000 6190381878 370,000.00 734 575,000 -- 6191958617 451,629.50 660 2,000,000 -- 6192772660 1,000,000.00 731 870,000 869,000 6195019168 695,200.00 706 834,000 -- 6196159633 637,974.94 796 760,000 -- 6196199670 364,694.09 707 720,000 -- 6197235705 479,171.12 796 459,000 450,000 6200167697 359,331.35 687 800,000 -- 6201018980 474,591.03 688 585,000 -- 6201285977 438,028.61 761 880,000 -- 6201440044 449,203.75 736 1,850,000 -- 6202881642 479,576.50 692 540,000 -- 6203985384 354,694.35 709 478,000 476,000 6205555466 380,126.19 759 840,000 -- 6205716373 498,678.73 698 437,000 422,500 6207115616 322,215.46 632 900,000 -- 6207128973 544,035.65 791 740,000 -- 6208311842 359,712.11 784 560,000 -- 6208629854 416,545.34 707 733,000 -- 6208711538 584,988.08 777 779,000 779,000 6209101671 522,274.23 755 825,000 -- 6210960289 614,936.28 764 1,490,000 -- 6211865123 807,630.72 776 3,200,000 -- 6212821430 702,394.73 761 552,025 552,025 6212887399 440,759.35 669 560,000 560,000 6213228742 447,650.52 728 950,000 -- 6213989723 380,257.49 781 571,000 -- 6214156108 451,591.38 756 1,070,000 -- 6214261437 589,902.31 711 410,000 -- 6214402114 307,241.66 736 620,000 -- 6215369791 432,653.73 772 1,100,000 -- 6216269719 824,306.89 697 630,000 -- 6217695466 501,588.51 708 575,000 -- 6218379805 340,000.00 628 1,320,000 -- 6220360926 723,650.00 729 1,050,000 -- 6220994492 567,000.00 675 958,000 -- 6221867127 448,859.33 659 730,000 -- 6223533305 551,284.98 629 537,000 536,029 6224571601 428,412.36 641 750,000 -- 6224707866 599,531.94 693 535,200 535,000 6224843562 427,657.73 690 535,000 -- 6224878188 388,873.02 722 398,000 -- 6225263802 309,258.56 665 850,000 -- 6225314829 648,469.59 692 690,000 690,000 6225772828 551,536.25 694 560,000 -- 6230349794 349,720.11 747 900,000 -- 6230516582 629,372.83 721 1,000,000 900,000 6231542595 718,786.75 699 450,000 -- 6231602498 337,216.45 717 373,000 -- 6233594545 297,761.69 770 680,000 675,000 6237186710 539,546.33 711 453,000 -- 6237590028 362,095.54 720 575,000 -- 6237731382 326,448.98 814 1,400,000 -- 6237837825 919,084.13 672 735,000 -- 6241864914 486,900.00 737 950,000 -- 6242122841 663,794.39 798 2,588,000 2,588,000 6243761803 500,000.00 792 525,000 537,500 6244266778 419,647.14 646 1,225,000 -- 6245223539 749,414.92 729 595,000 584,000 6246932260 466,826.38 759 1,270,000 -- 6248588870 648,821.58 693 425,000 424,225 6248638154 339,078.57 788 590,000 572,450 6248966944 457,575.25 756 490,000 -- 6253620071 390,000.00 723 650,000 650,000 6254797381 519,552.28 725 995,000 -- 6255519917 648,849.86 770 618,000 -- 6255575216 494,004.63 712 628,000 -- 6256851004 377,658.28 718 710,000 705,000 6259779004 562,977.50 707 415,000 415,000 6259915129 393,902.16 745 685,000 -- 6260894974 475,178.04 724 1,050,000 -- 6261873761 549,526.46 721 1,125,000 1,125,000 6264766400 899,262.27 768 3,750,000 -- 6265199643 698,730.95 735 1,450,000 -- 6265597689 749,385.23 756 1,000,000 -- 6266224499 599,543.44 750 495,000 -- 6267274261 392,853.08 731 695,000 695,000 6268293401 556,000.00 792 575,000 -- 6268307763 334,718.55 771 600,000 -- 6269256001 429,638.74 710 1,292,000 1,030,000 6272081610 599,312.50 792 1,150,000 -- 6272682235 748,704.89 753 433,000 432,285 6273218526 345,515.37 770 525,000 525,000 6273453404 419,672.35 690 665,000 -- 6274209219 430,000.00 710 405,000 -- 6275949946 323,337.70 725 390,000 370,000 6276572572 295,488.85 718 525,000 -- 6276936355 312,749.70 762 325,900 325,900 6281099876 309,338.43 775 910,000 910,000 6281619681 727,357.70 712 600,000 -- 6281987278 449,648.95 774 501,000 501,000 6282157954 400,124.61 746 1,300,000 -- 6282563292 750,603.28 674 1,175,000 -- 6282902961 773,694.07 757 397,000 -- 6284124390 334,392.66 741 566,000 565,000 6286134504 450,767.49 686 775,000 775,000 6286236192 619,466.19 724 675,000 -- 6286944779 399,620.46 769 525,000 515,000 6287526435 411,653.87 729 850,000 850,000 6287692682 650,000.00 722 750,000 -- 6289630284 367,348.84 759 980,000 -- 6290335030 448,120.13 701 435,000 435,000 6291791173 347,369.10 777 540,000 540,000 6291978952 431,654.53 746 575,000 575,000 6292215735 459,622.93 645 430,000 -- 6292764864 364,384.94 674 600,000 -- 6293160211 329,416.08 729 500,000 -- 6293394786 399,238.95 772 800,000 -- 6293841711 629,457.58 678 550,000 -- 6296358341 296,487.14 754 1,135,000 -- 6298264364 594,831.66 696 800,000 800,000 6299965175 637,830.72 777 570,000 550,000 6301146822 439,592.47 783 790,000 -- 6302906554 354,701.75 779 734,000 733,914 6302908717 586,592.04 751 810,000 800,000 6306984821 639,462.32 639 423,900 -- 6308166666 328,445.61 752 560,000 -- 6308883732 389,326.53 687 450,000 -- 6309275326 332,370.53 786 615,000 615,000 6309795893 491,170.95 743 750,000 -- 6313093939 399,655.60 773 675,000 -- 6316397626 471,840.95 767 615,000 -- 6316600763 429,201.34 699 540,000 -- 6320104422 431,209.98 706 740,000 -- 6321240142 559,200.00 764 1,750,000 -- 6323127479 519,383.33 734 460,000 460,000 6323796323 366,629.68 640 455,000 455,000 6323939261 363,401.50 668 725,000 720,000 6324487849 576,000.00 697 615,000 -- 6326658702 340,000.00 738 536,000 536,000 6327170533 428,800.00 759 790,000 787,000 6330758399 629,083.92 796 725,000 -- 6331155041 289,648.96 782 1,025,000 -- 6331488673 674,460.21 690 620,000 620,000 6331684412 495,593.42 757 1,095,000 1,095,000 6332249868 499,177.91 648 515,000 -- 6336731515 385,933.39 668 440,000 -- 6336885477 345,694.73 768 775,000 -- 6337045279 439,602.23 698 1,241,300 -- 6337090465 748,826.31 698 705,000 -- 6338248047 563,514.40 758 650,000 649,900 6338445569 449,512.64 710 660,000 656,500 6340558201 524,293.08 699 710,000 700,000 6340674131 548,902.20 721 442,000 -- 6340985123 389,242.15 739 485,000 485,000 6341996574 387,704.76 731 570,000 -- 6342679724 427,158.13 782 735,000 715,000 6342857023 398,935.39 788 855,000 -- 6343374572 567,567.79 794 700,000 -- 6343628035 481,147.13 762 475,000 474,000 6345626433 378,873.51 735 850,000 775,000 6345724550 599,470.63 694 968,000 -- 6346973107 648,792.74 780 465,000 -- 6347167840 294,514.95 755 975,000 -- 6347342096 377,158.73 783 419,000 416,000 6347688613 332,499.14 770 1,610,000 -- 6348007730 598,988.95 759 550,000 -- 6349235926 620,085.06 722 860,000 -- 6349775962 294,490.59 782 385,000 -- 6349902129 311,737.88 630 390,000 -- 6350532831 411,197.07 723 560,000 -- 6353579490 599,013.49 631 1,100,000 -- 6356261500 605,925.96 766 5,000,000 -- 6357813176 343,434.39 685 430,000 430,000 6358419833 858,604.25 725 1,165,000 1,146,600 6358483847 489,567.68 746 700,000 -- 6358521729 648,540.02 770 817,000 816,368 6359600688 419,274.73 785 610,000 620,000 6359805329 485,991.36 710 609,000 608,305 6360123803 438,000.00 693 568,000 -- 6361664508 346,750.00 748 365,000 365,000 6364581097 524,536.80 721 825,000 825,000 6366383062 435,651.33 768 545,000 545,000 6368615354 424,634.08 744 1,350,000 -- 6368707888 275,998.72 801 545,000 -- 6368956691 327,447.30 708 410,000 410,000 6370780212 486,000.00 772 614,000 607,500 6371598480 677,457.81 724 885,000 -- 6371828085 680,000.00 748 1,500,000 -- 6372272838 534,120.37 743 690,000 675,000 6372503265 439,202.31 666 625,000 610,000 6372573045 479,643.77 720 645,000 -- 6372595303 340,000.00 735 450,000 -- 6374106398 649,453.92 703 940,000 -- 6374650296 859,329.11 767 1,075,000 -- 6375064638 399,309.26 767 1,125,000 1,075,000 6375366165 604,528.43 753 810,000 -- 6377152381 549,002.88 673 1,100,000 -- 6378477324 977,835.37 759 2,000,000 -- 6381808853 355,425.19 779 875,000 -- 6382358502 407,242.21 782 810,000 760,000 6382380928 419,629.44 737 710,000 -- 6382769179 459,632.14 767 682,000 -- 6383456008 399,680.12 748 675,000 -- 6383457469 470,813.76 692 589,000 589,000 6387160804 530,396.10 711 663,500 -- 6390437553 408,857.41 771 512,000 512,000 6391885503 460,223.18 749 630,000 -- 6392535297 351,704.28 751 460,000 440,000 6396706167 329,457.42 707 440,000 -- 6397085256 749,338.29 784 1,550,000 -- 6397173730 328,024.19 738 469,000 -- 6399314431 688,547.31 677 895,000 862,000 6400607146 528,656.52 719 825,000 -- 6401135352 375,676.27 721 470,000 -- 6402473646 615,443.13 698 1,210,000 -- 6402537523 428,000.00 749 535,000 535,000 6402598848 352,196.50 704 470,000 -- 6402605684 335,688.79 754 423,000 420,000 6403874131 340,000.00 651 455,000 -- 6404624261 679,400.05 705 850,000 850,000 6405307031 475,157.74 784 600,000 595,000 6406499290 381,163.41 711 518,000 -- 6409657845 454,568.27 779 689,000 -- 6411223552 339,241.66 658 485,000 -- 6411489575 699,382.40 709 1,050,000 -- 6411599001 594,512.28 707 850,000 -- 6412823756 431,628.05 718 543,000 543,000 6414868262 424,642.95 635 635,000 -- 6415071643 383,000.00 790 533,000 533,000 6415360772 328,000.00 715 452,500 -- 6416521414 650,000.00 700 880,000 880,000 6417095574 447,641.74 750 700,000 -- 6418403330 559,529.52 754 705,000 700,000 6423838843 355,338.79 748 450,000 445,000 6424454400 415,683.46 730 520,000 520,000 6426170640 354,694.35 728 725,000 -- 6426521966 998,201.11 776 1,300,000 1,284,775 6428638446 449,621.95 737 700,000 -- 6428703364 444,644.14 738 585,000 -- 6430770526 488,557.93 711 865,000 -- 6431094223 300,699.77 799 383,300 377,000 6432295506 964,278.87 754 1,287,000 1,286,956 6432725205 566,511.82 624 795,000 -- 6433822068 318,564.91 718 400,000 398,888 6435576860 390,000.00 646 620,000 -- 6436075144 501,760.59 658 682,000 -- 6436871526 327,731.13 756 410,000 410,000 6438486000 499,157.46 769 1,000,000 1,000,000 6438654862 702,000.00 770 1,100,000 -- 6439283364 793,692.88 791 1,350,000 -- 6439541969 423,669.24 766 530,000 530,000 6440645031 485,870.94 796 810,000 -- 6441073464 301,733.55 774 405,000 -- 6441989990 584,000.00 741 730,000 730,000 6443365439 299,498.54 683 410,000 -- 6445505735 909,115.53 679 1,650,000 -- 6447408979 401,826.72 722 650,000 -- 6448231958 352,759.31 732 1,300,000 -- 6449777900 999,180.30 695 1,650,000 -- 6449844247 374,677.13 676 900,000 -- 6450564239 608,972.11 720 860,000 -- 6451993528 648,270.02 614 1,100,000 -- 6452422766 364,000.00 749 455,000 455,000 6456445656 739,263.32 664 950,000 930,621 6456670139 442,500.00 760 590,000 -- 6458571962 354,716.10 716 845,000 -- 6459049323 440,000.00 789 550,000 550,000 6459051493 417,959.00 777 523,000 522,449 6460463844 368,574.53 757 625,000 -- 6463225141 344,056.17 773 485,000 -- 6463774759 969,164.84 686 1,550,000 -- 6463970803 996,276.65 686 1,600,000 -- 6464482345 284,729.57 787 425,000 -- 6465021316 469,614.74 701 720,000 -- 6466164826 443,732.43 735 670,000 670,000 6468363806 649,480.20 711 870,000 -- 6469095506 404,265.76 757 750,000 -- 6469529652 390,863.18 779 489,000 489,000 6470605400 508,412.89 712 746,000 -- 6470710572 404,684.06 719 1,300,000 -- 6474297634 366,693.64 748 490,000 -- 6474772008 307,441.62 754 385,000 -- 6475140403 299,506.75 659 456,000 -- 6478561779 332,199.41 783 475,000 -- 6478810036 530,000.00 756 880,000 -- 6479104835 355,000.00 725 610,000 -- 6479439736 746,770.15 707 935,000 935,000 6481372016 571,042.22 746 717,000 715,300 6484229825 502,000.00 751 670,000 -- 6485450131 579,512.73 735 775,000 725,000 6485902768 299,494.48 702 550,000 -- 6485923525 524,513.74 665 875,000 -- 6486778134 319,511.50 732 400,000 400,000 6487325877 339,707.26 793 490,000 -- 6487558782 305,521.14 728 408,000 -- 6488379899 524,024.90 760 895,000 -- 6488609998 374,496.85 712 394,500 394,500 6491739774 650,000.00 723 1,200,000 -- 6493430034 327,731.13 678 410,000 410,000 6494742809 335,717.71 766 420,000 420,000 6495104157 609,487.52 737 1,150,000 -- 6495636588 374,368.09 758 500,000 -- 6497805249 789,201.22 803 1,600,000 -- 6498118659 962,500.00 683 1,375,000 -- 6498320560 492,127.66 795 755,000 -- 6498474474 574,131.67 782 730,000 719,000 6499864350 499,177.91 737 1,600,000 -- 6503090703 639,475.39 716 800,000 -- 6504106417 483,363.15 696 645,000 -- 6504941623 379,343.80 718 475,000 475,000 6507862719 349,410.21 714 500,000 -- 6508268726 599,483.41 744 975,000 -- 6508594238 650,000.00 666 1,280,000 1,280,000 6509052327 440,000.00 710 550,000 -- 6509499536 520,000.00 748 704,700 -- 6509737828 431,272.04 666 3,800,000 -- 6509807969 380,541.73 709 476,500 476,500 6510709832 456,616.06 780 710,000 -- 6512736783 329,032.85 767 415,000 412,760 6513416518 399,050.67 761 700,000 680,000 6514096939 384,351.25 732 555,000 -- 6514906574 322,279.24 764 520,000 -- 6515514864 324,424.92 698 700,000 -- 6515596481 467,130.76 787 585,000 585,000 6517265069 319,724.48 768 450,000 -- 6517999899 350,000.00 731 484,000 -- 6519325911 288,971.54 789 615,000 -- 6519780883 374,617.67 769 405,000 395,000 6520402857 313,457.78 761 520,000 -- 6520432805 549,095.69 774 1,000,000 -- 6520893964 307,741.23 767 478,000 -- 6521437415 323,727.80 733 475,000 -- 6521518800 289,762.29 686 460,000 -- 6521674892 611,393.14 669 766,000 764,900 6521938263 319,731.15 744 400,000 400,000 6521998754 511,559.17 750 640,000 640,000 6522444360 950,000.00 804 2,350,000 -- 6523674338 449,123.02 692 650,000 -- 6523987656 345,387.77 726 470,000 -- 6524255954 299,415.33 765 660,000 -- 6524768683 552,554.17 742 700,000 -- 6525369671 455,807.22 725 695,000 -- 6527104381 389,358.78 740 825,000 -- 6529056753 566,079.57 682 735,000 -- 6530196499 399,419.14 665 508,000 500,736 6531194501 601,692.19 730 809,000 803,000 6532209704 287,758.04 732 360,000 -- 6532471098 426,743.57 786 1,000,000 -- 6532726855 389,646.29 725 488,000 487,860 6532788798 355,050.85 724 450,000 -- 6533511850 327,375.92 765 415,000 410,000 6534336356 427,677.40 678 536,000 535,500 6534985707 337,444.26 694 455,000 -- 6536717165 404,500.00 727 450,000 450,000 6538609188 479,576.50 633 600,000 -- 6539658739 674,460.21 685 1,150,000 975,000 6539953189 424,493.76 711 630,000 -- 6541309578 399,309.26 796 955,000 -- 6543135377 454,113.28 651 600,000 -- 6543897208 384,692.12 680 750,000 -- 6545424233 600,000.00 755 1,100,000 1,099,000 6545641133 379,343.80 797 475,000 475,000 6546392918 724,347.09 750 5,000,000 -- 6547500980 928,201.22 699 1,650,000 -- 6551375873 461,221.49 764 745,000 -- 6551581272 612,033.93 600 1,150,000 -- 6552411859 329,722.76 736 520,000 515,000 6552771674 426,167.84 774 610,000 -- 6553648764 524,100.89 765 800,000 -- 6553778215 648,904.71 757 1,200,000 -- 6554178688 524,558.93 727 700,000 -- 6554526936 352,696.07 765 580,000 -- 6555145579 399,663.95 721 505,000 -- 6555332805 397,500.00 752 530,000 -- 6555635256 998,051.16 744 1,500,000 -- 6555716684 504,054.89 739 950,000 -- 6556219035 549,537.93 704 2,300,000 -- 6557027890 424,247.97 789 850,000 -- 6558476070 360,000.00 755 450,000 -- 6559349532 918,560.27 706 1,150,000 -- 6560089846 415,683.46 684 520,000 520,000 6560178813 318,830.47 722 410,000 -- 6563083358 975,317.50 757 2,200,000 -- 6563580379 352,000.00 766 440,000 440,000 6565019749 444,635.23 735 565,000 -- 6565423107 399,325.97 719 706,000 -- 6567547234 467,171.90 767 586,500 586,500 6567667610 429,672.80 688 620,000 -- 6568708512 679,339.07 684 850,000 -- 6572095229 336,000.00 668 425,000 420,000 6572742960 411,305.75 793 900,000 -- 6574955271 322,428.47 722 428,000 -- 6576515958 479,586.72 689 600,000 -- 6576665241 449,164.20 746 630,000 625,000 6578682525 314,741.79 697 480,000 -- 6579453454 599,508.18 769 962,000 950,000 6580156229 413,818.49 701 561,000 -- 6582212434 549,526.46 745 1,175,000 -- 6582612278 365,119.23 699 700,000 -- 6582631633 520,051.85 640 750,000 -- 6583021537 399,647.08 656 550,000 -- 6583983181 367,650.83 790 745,000 -- 6586104702 998,435.08 738 2,900,000 -- 6586852094 303,448.87 768 380,000 380,000 6587076347 977,127.87 736 1,480,000 1,480,000 6587380350 395,299.29 737 495,000 495,000 6588336005 304,749.99 663 425,000 -- 6588877636 449,602.98 708 600,000 -- 6589857215 518,712.36 660 750,000 -- 6590332810 304,673.93 718 423,000 -- 6590414063 648,763.29 714 1,000,000 -- 6591339855 430,408.45 739 479,000 479,000 6593193862 399,292.22 744 950,000 -- 6593328799 474,527.13 605 940,000 -- 6595082576 319,376.36 755 545,000 -- 6596202785 552,963.23 732 865,000 -- 6598022983 579,046.37 759 1,200,000 -- 6598055736 650,000.00 660 910,000 875,000 6599143853 509,538.95 783 800,000 -- 6601805309 506,602.01 757 725,000 -- 6603430189 323,740.90 756 465,000 -- 6603602969 999,139.01 705 1,590,000 -- 6604341278 508,000.00 691 635,000 635,000 6604952280 799,327.89 769 1,150,000 1,150,000 6606638432 749,414.92 708 1,000,000 -- 6608766397 362,671.84 759 525,000 -- 6609516205 483,184.43 770 605,000 605,000 6610191279 339,412.87 747 720,000 -- 6610274463 560,000.00 723 818,000 -- 6612924800 303,395.19 685 380,000 379,900 6614481114 403,193.61 770 645,000 -- 6614852918 614,428.74 753 769,500 769,500 6615295497 998,273.18 792 6,000,000 -- 6616744808 590,424.38 717 1,200,000 -- 6618030990 355,000.00 655 550,000 -- 6620629813 559,517.85 742 910,000 910,000 6624750151 512,047.18 775 1,950,000 -- 6624811359 550,501.88 790 1,750,000 -- 6625439853 558,210.54 778 705,000 699,000 6626017880 569,085.65 725 1,000,000 970,000 6626585308 607,463.57 775 950,000 -- 6627910901 318,975.13 789 490,000 -- 6628677905 981,674.58 768 1,310,000 1,310,000 6631229611 395,545.41 665 726,000 725,878 6631785307 649,426.51 773 950,000 950,000 6633425811 564,513.55 711 940,000 -- 6633513996 429,680.87 792 915,000 -- 6634628066 563,845.10 765 850,000 -- 6635682302 846,838.86 776 1,140,000 1,130,000 6638232048 487,599.99 749 610,000 610,000 6639856068 524,115.34 667 835,000 -- 6643074203 703,363.57 702 900,000 880,000 6643355636 448,000.00 758 640,000 640,000 6643681734 424,625.02 737 700,000 -- 6643699546 300,740.84 671 430,000 -- 6643842476 649,453.92 735 910,000 -- 6644031475 350,000.00 771 656,000 652,500 6647237061 558,959.89 704 715,000 700,000 6647766689 361,688.32 774 555,000 -- 6647907515 799,344.25 766 1,200,000 1,100,000 6648290887 339,721.30 663 425,000 425,000 6649037881 623,972.38 744 825,000 -- 6649333405 396,800.00 723 496,000 496,000 6649419626 343,518.19 760 422,000 382,037 6650747634 899,243.89 716 1,150,000 1,125,000 6652344273 545,552.44 777 683,200 683,200 6654128799 329,736.09 739 375,000 375,000 6655451968 349,683.59 721 540,000 -- 6656811558 496,582.46 691 650,000 647,000 6656918262 395,151.05 746 565,000 -- 6658798126 650,000.00 733 890,000 890,000 6659530148 572,225.23 768 815,000 -- 6659814765 736,395.89 745 1,725,000 1,725,000 6661437142 370,688.31 758 500,000 -- 6664576078 502,597.75 743 629,000 628,750 6665380165 315,667.18 742 396,000 395,250 6665570245 519,529.91 766 655,000 650,000 6667899477 302,534.74 722 450,000 379,000 6669962166 424,266.10 687 610,000 -- 6671765714 352,205.50 795 1,150,000 -- 6671949144 539,546.33 718 915,000 -- 6673066590 344,000.00 687 430,000 430,000 6674158933 786,788.09 717 1,125,000 1,125,000 6674160939 455,597.68 736 1,300,000 -- 6674408643 347,692.96 796 435,000 435,000 6674570947 432,389.34 792 545,000 541,000 6676611228 698,820.45 753 1,550,000 -- 6679052529 598,858.42 778 1,000,000 -- 6679635323 749,354.26 751 1,290,000 1,000,000 6680232813 551,536.25 716 725,000 690,000 6681963440 447,000.00 690 560,000 -- 6682175424 399,325.97 775 550,000 550,000 6683418716 379,672.82 747 475,000 -- 6684783266 359,732.82 698 485,000 -- 6687759727 383,752.25 626 481,000 480,500 6691294026 869,232.42 636 1,250,000 -- 6691776741 316,411.22 722 435,000 -- 6693419860 499,177.91 712 575,000 -- 6695110822 526,971.00 735 670,000 660,000 6701175918 430,000.00 717 537,500 537,500 6705892864 649,467.20 754 825,000 -- 6707099591 419,638.38 774 630,000 -- 6710555456 497,571.23 686 1,500,000 -- 6710642239 639,809.45 749 1,200,000 -- 6710868909 490,297.78 734 622,000 613,408 6711494226 460,822.16 658 580,000 577,000 6715083165 486,337.93 779 620,000 609,000 6715146582 427,649.17 704 555,000 535,000 6716254609 451,601.21 788 565,000 565,000 6717790510 912,194.48 791 1,305,000 -- 6718430835 325,250.99 767 362,500 362,500 6720372215 317,298.65 700 397,000 -- 6720595534 431,178.07 668 540,000 540,000 6722223879 308,764.87 714 412,000 -- 6722803415 344,688.11 719 495,000 495,000 6723802929 329,722.76 684 790,000 -- 6724154783 444,231.56 734 565,000 -- 6725261207 613,764.99 745 925,000 770,000 6725326794 419,256.83 712 603,000 -- 6725485459 411,412.49 782 550,000 549,000 6727739085 399,655.60 793 670,000 -- 6728562098 462,829.58 753 579,000 -- 6730732119 442,500.00 682 590,000 -- 6730812853 649,412.38 776 840,000 840,000 6733645458 335,717.71 625 445,000 430,000 6735167469 588,454.46 727 745,000 745,000 6735574177 503,521.78 777 630,000 630,000 6737553823 324,452.36 790 720,000 -- 6739473152 399,663.95 689 580,000 -- 6740408981 397,988.60 721 510,000 -- 6741169699 367,675.32 773 535,000 -- 6741933540 385,899.11 779 580,000 -- 6742888354 345,000.00 791 495,000 495,000 6743370899 774,282.19 719 1,675,000 1,675,000 6743528538 419,680.41 745 525,000 525,000 6745921079 342,299.18 739 430,000 428,225 6748399125 307,741.23 777 388,000 385,000 6749455314 650,000.00 786 1,750,000 1,700,000 6751610079 498,940.87 728 927,000 -- 6753469813 481,553.57 680 620,000 -- 6754252937 600,000.00 786 750,000 750,000 6755244982 399,680.12 790 525,000 525,000 6755674899 449,241.73 751 710,000 697,000 6756111131 423,974.32 678 610,000 -- 6759936583 591,526.58 715 750,000 -- 6760700911 398,935.39 806 672,000 671,500 6761469342 321,708.91 755 640,000 -- 6762158993 577,514.41 733 1,250,000 -- 6762867221 351,704.28 798 520,000 -- 6765469470 428,000.00 725 570,000 535,000 6766421488 475,619.34 691 595,000 595,000 6766826199 999,159.88 659 1,400,000 1,400,000 6766838723 355,289.43 751 445,000 445,000 6767168724 344,973.45 737 432,000 432,000 6768449651 749,369.91 655 1,270,000 -- 6770320338 1,000,000.00 777 4,900,000 -- 6770554183 524,580.16 782 700,000 700,000 6770827001 428,621.50 701 1,050,000 -- 6771081079 511,000.00 761 665,000 -- 6771249502 338,400.00 761 432,000 428,000 6771384010 349,176.23 800 700,000 700,000 6772737463 963,312.93 770 1,400,000 -- 6773071847 439,221.45 733 550,000 550,000 6773318479 426,000.00 735 532,500 532,500 6773347817 478,626.52 773 675,000 660,000 6773849432 482,573.85 750 905,000 -- 6774169095 399,663.95 786 900,000 -- 6774838707 449,602.98 705 1,050,000 -- 6774880261 399,182.35 699 500,000 -- 6777002798 414,642.69 670 527,000 -- 6777600716 535,028.26 718 670,000 670,000 6777829539 300,200.00 694 316,000 -- 6779785267 608,475.66 689 1,000,000 -- 6780128234 926,240.14 729 2,088,000 -- 6781110686 339,353.10 756 490,000 -- 6783090985 417,200.00 745 521,500 521,500 6785568376 590,265.91 762 844,000 -- 6788133749 342,925.54 666 445,000 429,000 6788584123 419,274.73 665 525,000 525,000 6790423518 325,732.78 803 435,000 435,000 6790508482 332,220.66 759 355,000 350,000 6791355867 341,362.83 764 555,000 -- 6792586031 389,672.35 761 1,100,000 -- 6793164176 487,500.00 754 625,000 625,000 6794665833 549,549.16 743 900,000 -- 6794769106 999,139.01 749 2,700,000 -- 6795286761 556,484.10 730 915,000 -- 6798992704 391,694.19 762 490,000 490,000 6799205676 339,337.39 776 460,000 425,000 6800267434 558,771.29 784 800,000 -- 6802924024 334,119.06 754 418,000 418,000 6803198818 752,685.33 669 1,005,000 1,004,467 6803544417 998,435.08 769 2,000,000 2,000,000 6803611901 899,262.27 734 1,360,000 1,350,000 6806939325 455,616.90 765 570,000 570,000 6807450728 504,627.09 765 674,000 -- 6807601536 771,632.22 806 1,600,000 -- 6807916355 299,530.53 664 740,000 -- 6808455346 330,000.00 782 820,000 796,000 6808565797 575,440.16 754 735,000 720,000 6808980491 527,577.76 683 660,000 -- 6809230961 503,576.57 748 635,000 630,000 6810418308 383,251.64 770 675,000 -- 6812155692 449,621.95 762 1,600,000 -- 6812178751 473,611.46 713 600,000 -- 6816935305 307,500.00 682 410,000 -- 6817094136 948,399.19 732 1,900,000 -- 6818985332 400,000.00 743 500,000 500,000 6820700422 354,694.35 771 735,000 -- 6822145535 463,610.18 634 585,000 -- 6822298870 453,999.09 792 930,000 -- 6822800691 849,250.06 787 1,850,000 1,880,000 6823312894 499,136.58 768 1,525,000 -- 6823818296 478,000.00 676 765,000 -- 6823864696 349,395.60 739 650,000 650,000 6825472993 399,309.26 712 590,000 -- 6825741009 623,254.13 789 1,450,000 -- 6828527165 739,518.27 767 926,000 926,000 6830611239 694,518.82 765 1,800,000 -- 6830649635 689,830.83 743 905,000 -- 6833561035 389,239.15 623 500,000 487,000 6833733253 612,600.00 757 865,000 -- 6833818435 556,000.00 697 695,000 -- 6835486744 295,732.40 770 370,000 -- 6838722574 443,608.26 753 555,000 555,000 6841510859 999,139.01 755 2,350,000 -- 6842060169 299,239.54 694 400,000 -- 6843877272 500,091.71 721 745,000 -- 6844455755 299,341.76 722 450,000 375,000 6844536596 353,210.23 737 505,000 -- 6844649886 351,689.43 801 450,000 440,000 6844675477 599,508.18 751 760,000 760,000 6844876372 435,727.63 666 485,000 485,000 6845976221 512,000.00 723 641,000 640,950 6847330187 939,284.73 694 1,175,000 1,175,000 6847364194 750,000.00 723 1,050,000 1,025,000 6848621071 998,314.94 756 1,850,000 -- 6848723950 314,572.21 804 394,000 393,564 6849011132 417,582.00 744 560,000 529,000 6851375698 684,380.75 695 1,095,000 -- 6853180906 318,119.07 788 408,000 398,000 6853852009 399,257.07 776 570,000 534,900 6856108060 347,721.70 740 435,000 -- 6856445702 404,468.18 672 508,000 506,000 6858728311 367,919.95 658 590,000 -- 6859358282 396,305.46 699 526,000 -- 6859423813 380,158.32 748 476,000 476,000 6863945454 878,365.55 739 1,425,000 -- 6864337511 750,000.00 726 1,080,000 -- 6865117607 400,000.00 777 550,000 -- 6865679697 380,000.00 741 480,000 475,000 6866235457 339,707.26 741 425,000 425,000 6866431874 308,800.00 697 386,000 386,000 6867011345 405,992.21 801 890,000 -- 6867230309 432,636.22 781 770,000 -- 6868604031 649,412.38 780 1,450,000 -- 6870530646 314,428.92 695 425,000 425,000 6870580799 394,651.50 642 545,000 -- 6871634082 646,442.95 778 2,100,000 -- 6872768897 749,400.24 678 2,800,000 -- 6873087479 398,672.94 770 538,000 515,000 6873338195 698,791.23 772 1,250,000 -- 6873527243 461,767.74 730 735,000 -- 6873925157 537,024.64 782 1,500,000 -- 6874614578 450,221.21 631 890,000 -- 6874796904 459,205.65 754 578,000 575,000 6875201318 614,444.03 765 981,000 981,000 6875354893 455,212.57 704 700,000 -- 6876037596 606,975.48 660 1,307,000 -- 6876260321 992,965.09 746 2,517,000 -- 6878800405 384,668.52 819 590,000 -- 6879393921 367,719.98 636 460,000 460,000 6881827247 392,000.00 737 519,000 490,000 6882339515 558,541.78 629 860,000 -- 6882793752 590,515.56 710 780,000 -- 6882872465 723,000.00 689 934,000 904,495 6883173723 317,863.46 733 398,000 -- 6883492354 449,241.73 721 605,000 -- 6883543362 494,584.14 704 705,000 -- 6885278587 311,825.76 757 958,000 -- 6890995381 507,573.22 781 635,000 635,000 6891300581 374,519.79 752 469,000 469,000 6893215951 328,116.16 657 366,000 365,500 6894403978 509,516.09 747 765,000 -- 6895768510 368,393.30 736 425,000 410,000 6896799068 349,705.95 699 449,000 449,000 6897854573 465,175.45 749 700,000 -- 6898062275 858,586.01 692 1,700,000 -- 6898173247 499,579.93 692 2,050,000 2,050,000 6899784117 509,119.31 787 800,000 -- 6900361012 583,555.62 685 730,000 -- 6900448827 679,400.05 761 865,000 850,000 6901606670 649,426.51 743 1,150,000 1,150,000 6902406369 368,000.00 782 460,000 460,000 6902813119 376,000.00 755 470,000 470,000 6903154208 359,347.90 786 455,000 -- 6903772173 399,257.07 750 975,000 -- 6903881941 903,240.53 646 1,300,000 -- 6904187496 470,000.00 758 1,000,000 -- 6904393086 416,610.46 791 525,000 -- 6907840604 519,120.19 683 650,000 -- 6908549790 380,357.99 766 685,000 -- 6909525955 559,552.17 650 715,000 -- 6909689108 589,539.73 732 1,100,000 -- 6910667796 749,400.24 746 959,000 959,000 6915188699 571,553.78 750 715,000 715,000 6916139634 383,677.39 673 660,000 -- 6916141556 299,494.48 764 800,000 800,000 6916798843 341,379.97 729 427,500 427,500 6916965152 563,665.90 697 990,000 -- 6918390458 519,541.21 772 650,000 650,000 6918569978 395,642.01 744 655,000 -- 6919549615 432,681.00 751 619,000 -- 6921280829 359,697.55 777 975,000 -- 6921925076 355,385.26 709 445,000 445,000 6922182420 364,384.94 779 485,000 -- 6922441578 294,000.00 644 500,000 -- 6922454498 636,451.56 799 925,000 910,000 6924327437 499,590.15 725 625,000 625,000 6925848431 333,850.18 681 480,000 -- 6927913761 347,200.00 759 434,000 -- 6928088191 487,110.15 671 650,000 -- 6929777446 698,849.08 772 1,400,000 -- 6932485664 359,712.11 766 450,000 450,000 6933446806 399,638.39 780 630,000 -- 6934128528 399,663.95 810 1,700,000 -- 6934513133 574,492.69 641 780,000 -- 6934529428 748,736.21 708 1,100,000 -- 6935734308 322,420.95 698 340,000 340,000 6936081477 348,000.00 703 435,000 435,000 6936914248 529,062.20 775 765,000 -- 6937372024 359,363.01 758 450,000 -- 6941247816 310,320.00 680 389,000 387,900 6941613082 331,842.36 779 455,000 455,000 6941946250 593,675.75 793 865,000 -- 6943390903 522,580.00 766 655,000 653,226 6944099537 648,763.29 689 850,000 -- 6944299145 364,708.11 680 487,500 -- 6944798286 419,629.44 713 530,000 525,000 6945747514 699,335.80 661 885,000 875,000 6945802152 357,706.54 776 520,000 485,000 6946053243 393,750.00 717 525,000 -- 6946967756 424,229.50 727 640,000 615,000 6947141336 412,852.91 686 545,000 -- 6947509763 333,290.84 749 480,000 -- 6949288002 358,321.02 777 559,000 559,000 6950692324 599,483.41 768 1,100,000 -- 6950790854 330,500.00 752 413,175 413,175 6951033221 566,474.84 703 1,350,000 -- 6952438411 351,406.86 692 440,000 440,000 6953916233 527,643.30 738 813,000 1,100,000 6955525370 385,000.00 707 580,000 -- 6955601031 318,238.69 743 425,000 -- 6955815789 307,734.81 714 386,000 385,000 6955954794 648,311.62 768 1,500,000 -- 6957908012 357,699.23 620 450,000 447,500 6958307966 365,320.21 738 530,000 -- 6958345701 999,117.72 711 3,045,000 3,045,000 6958556216 332,691.57 663 370,000 370,000 6958984640 537,513.64 784 1,045,000 -- 6959219541 407,657.23 767 510,000 510,000 6959834273 313,143.78 716 455,000 -- 6960173448 443,626.98 760 705,000 -- 6960387154 339,714.36 798 695,000 -- 6960514849 611,510.59 785 766,000 765,222 6962289069 648,877.57 756 885,000 875,000 6962682263 784,218.52 773 2,500,000 -- 6963148371 570,911.69 727 715,000 715,000 6963431975 498,882.14 738 710,000 -- 6966676154 373,868.94 658 535,000 -- 6968634177 419,655.72 726 525,000 525,000 6968734241 997,092.62 678 2,400,000 -- 6970166804 329,401.72 701 565,000 -- 6971282600 462,380.38 715 579,000 579,000 6971340317 382,885.89 755 585,000 -- 6972327446 514,088.73 724 1,000,000 -- 6976908423 399,687.96 762 1,030,000 -- 6980529223 335,675.76 740 450,000 -- 6981190876 573,000.00 699 780,000 780,000 6982176627 559,009.11 781 1,000,000 -- 6982464262 793,864.60 747 1,255,000 -- 6983017622 292,182.99 685 325,000 377,900 6983811644 308,648.48 690 400,000 386,136 6984052420 359,712.11 757 450,000 450,000 6984260510 367,355.00 713 575,000 459,950 6986441720 399,274.82 710 597,000 590,000 6989038499 628,447.57 727 1,050,000 -- 6989166779 329,708.85 783 649,000 649,000 6989916553 339,645.02 682 425,000 425,000 6990841428 608,497.88 749 771,500 -- 6991665636 431,618.85 793 552,000 540,000 6991920015 399,620.46 674 612,000 -- 6992639457 399,325.97 798 627,000 -- 6995646194 393,750.00 755 525,000 -- 6997051567 359,131.19 766 480,000 -- 6997348583 324,691.62 781 637,000 -- 6997535528 999,159.88 778 10,000,000 -- 6997881351 583,544.42 751 730,000 -- 6999341222 355,869.20 773 510,000 -- 6348973840 345,000.00 755 956,000 -- 6113606534 462,571.17 754 590,000 -- 6053607419 439,582.51 706 664,300 -- EXHIBIT E REQUEST FOR RELEASE OF DOCUMENTS [date] To: The Bank of New York 101 Barclay Street - 12 East New York, New York 10286 Attn: Inventory Control Re: The Pooling and Servicing Agreement dated August 28, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee In connection with the administration of the Mortgage Loans held by you, as Custodian, pursuant to the above-captioned Pooling and Servicing Agreement, we request the release, and hereby acknowledge receipt, of the Mortgage File for the Mortgage Loan described below, for the reason indicated. Mortgage Loan Number: -------------------- Mortgagor Name, Address & Zip Code: ---------------------------------- Reason for Requesting Documents (check one) ------------------------------- ____ 1. Mortgage Paid in Full ____ 2. Foreclosure ____ 3. Substitution ____ 4. Other Liquidation ____ 5. Nonliquidation Reason: ___________________ By: -------------------------------------- (authorized signer of Bank of America Mortgage Securities, Inc.) Issuer: ----------------------------------- Address: ---------------------------------- Date: ------------------------------------- Custodian --------- The Bank of New York Please acknowledge the execution of the above request by your signature and date below: ---------------------------------- --------------- Signature Date Documents returned to Custodian: ----------------------------------- ---------------- Custodian Date EXHIBIT F FORM OF CERTIFICATION OF ESTABLISHMENT OF ACCOUNT [Date] [_______________] hereby certifies that it has established a [__________] Account pursuant to Section [________] of the Pooling and Servicing Agreement, dated August 28, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. [_______________], By:_______________________________________ Name:_____________________________________ Title:____________________________________ EXHIBIT G-1 FORM OF TRANSFEROR CERTIFICATE FOR TRANSFERS OF PRIVATE CERTIFICATES [Date] The Bank of New York 101 Barclay Street - 12 East New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-E, Class ___, having an initial aggregate Certificate Balance as of August 28, 2001 of $___________ Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [______________] (the "Transferor") to [______________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated August 28, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferor hereby certifies, represents and warrants to you, as Trustee, that: 1. The Transferor is the lawful owner of the Transferred Certificates with the full right to transfer such Certificates free from any and all claims and encumbrances whatsoever. 2. Neither the Transferor nor anyone acting on its behalf has (a) offered, transferred, pledged, sold or otherwise disposed of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security to any person in any manner, (b) solicited any offer to buy or accept a transfer, pledge or other disposition of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security from any person in any manner, (c) otherwise approached or negotiated with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security with any person in any manner, (d) made any general solicitation with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security by means of general advertising or in any other manner, or (e) taken any other action with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security, which (in the case of any of the acts described in clauses (a) through (e) hereof) would constitute a distribution of the Transferred Certificates under the Securities Act of 1933, as amended (the "1933 Act"), would render the disposition of the Transferred Certificates a violation of Section 5 of the 1933 Act or any state securities laws, or would require registration or qualification of the Transferred Certificates pursuant to the 1933 Act or any state securities laws. Very truly yours, ------------------------------------------ (Transferor) By:_______________________________________ Name:_____________________________________ Title:____________________________________ EXHIBIT G-2A FORM I OF TRANSFEREE CERTIFICATE FOR TRANSFERS OF PRIVATE CERTIFICATES [Date] The Bank of New York 101 Barclay Street - 12 East New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-E, Class ___, having an initial aggregate Certificate Balance as of August 28, 2001 of $_________] Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [_______________] (the "Transferor") to [_________________________________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated August 28, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferor hereby certifies, represents and warrants to you, as Trustee, that: 1. The Transferee is a "qualified institutional buyer" (a "Qualified Institutional Buyer") as that term is defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended (the "1933 Act"), and has completed one of the forms of certification to that effect attached hereto as Annex 1 and Annex 2. The Transferee is aware that the sale to it is being made in reliance on Rule 144A. The Transferee is acquiring the Transferred Certificates for its own account or for the account of another Qualified Institutional Buyer, and understands that such Transferred Certificates may be resold, pledged or transferred only (a) to a person reasonably believed to be a Qualified Institutional Buyer that purchases for its own account or for the account of another Qualified Institutional Buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (b) pursuant to another exemption from registration under the 1933 Act. 2. The Transferee has been furnished with all information regarding (a) the Depositor, (b) the Transferred Certificates and distributions thereon, (c) the nature, performance and servicing of the Mortgage Loans, (d) the Pooling and Servicing Agreement and the Trust created pursuant thereto, (e) any credit enhancement mechanism associated with the Transferred Certificate, and (f) all related matters, that it has requested. 3. If the Transferee proposes that the Transferred Certificates be registered in the name of a nominee, such nominee has completed the Nominee Acknowledgment below. Very truly yours, ------------------------------------------ (Transferor) By:_______________________________________ Name:_____________________________________ Title:____________________________________ Nominee Acknowledgment ---------------------- The undersigned hereby acknowledges and agrees that as to the Transferred Certificates being registered in its name, the sole beneficial owner thereof is and shall be the Transferee identified above, for whom the undersigned is acting as nominee. ------------------------------------------ (Nominee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ ANNEX 1 TO EXHIBIT G-2A QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Transferees Other Than Registered Investment Companies] The undersigned hereby certifies as follows to [__________________] (the "Transferor") and The Bank of New York, as Trustee, with respect to the mortgage pass-through certificates (the "Transferred Certificates") described in the Transferee certificate to which this certification relates and to which this certification is an Annex: 1. As indicated below, the undersigned is the chief financial officer, a person fulfilling an equivalent function, or other executive officer of the entity purchasing the Transferred Certificates (the "Transferee"). 2. The Transferee is a "qualified institutional buyer" as that term is defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended, because (i) the Transferee owned and/or invested on a discretionary basis $______________________(1) in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Transferee satisfies the criteria in the category marked below. ___ Corporation, etc. The Transferee is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or any organization described in Section 501(c)(3) of the Internal Revenue Code of 1986. ___ Bank. The Transferee (a) is a national bank or a banking institution organized under the laws of any state, U.S. 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, as of a date not more than 16 months preceding the date of sale of the Transferred Certificates in the case of a U.S. bank, and not more than 18 months preceding such date of sale in the case of a foreign bank or equivalent institution. ___ Savings and Loan. The Transferee (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 institute 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, as of a date not more than 16 months preceding the date of sale of the Transferred Certificates in the case of a U.S. savings and loan association, and not more than 18 months preceding such date of sale in the case of a foreign savings and loan association or equivalent institution. ___ Broker-dealer. The Transferee is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934, as amended. ___ Insurance Company. The Transferee 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, U.S. territory or the District of Columbia. ___ State or Local Plan. The Transferee 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 Transferee is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974. ___ Investment Advisor. The Transferee is an investment advisor registered under the Investment Advisers Act of 1940. ___ Other. (Please supply a brief description of the entity and a cross-reference to the paragraph and subparagraph under subsection (a)(1) of Rule 144A pursuant to which it qualifies. Note that registered investment companies should complete Annex 2 rather than this Annex 1.) -------- (1) Transferee must own and/or invest on a discretionary basis at least $100,000,000 in securities unless Transferee is a dealer, and, in that case, Transferee must own and/or invest on a discretionary basis at least $10,000,000 in securities. 3. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Transferee, (ii) securities that are part of an unsold allotment to or subscription by the Transferee, if the Transferee 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. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Transferee, the Transferee did not include any of the securities referred to in this paragraph. 4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Transferee, the Transferee used the cost of such securities to the Transferee, unless the Transferee reports its securities holdings in its financial statements on the basis of their market value, and no current information with respect to the cost of those securities has been published, in which case the securities were valued at market. Further, in determining such aggregate amount, the Transferee may have included securities owned by subsidiaries of the Transferee, but only if such subsidiaries are consolidated with the Transferee in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Transferee's direction. However, such securities were not included if the Transferee is a majority-owned, consolidated subsidiary of another enterprise and the Transferee is not itself a reporting company under the Securities Exchange Act of 1934, as amended. 5. The Transferee is familiar with Rule 144A and understands that the Transferor and other parties related to the Transferred Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Transferee may be in reliance on Rule 144A. ____ ____ Will the Transferee be purchasing the Yes No Transferred Certificates only for the Transferee's own account? 6. If the answer to the foregoing question is "no," then in each case where the Transferee is purchasing for an account other than its own, such account belongs to a third party that is itself a "qualified institutional buyer" within the meaning of Rule 144A, and the "qualified institutional buyer" status of such third party has been established by the Transferee through one or more of the appropriate methods contemplated by Rule 144A. 7. The Transferee 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 Transferee's purchase of the Transferred Certificates will constitute a reaffirmation of this certification as of the date of such purchase. In addition, if the Transferee is a bank or savings and loan as provided above, the Transferee agrees that it will furnish to such parties any updated annual financial statements that become available on or before the date of such purchase, promptly after they become available. ------------------------------------------ Print Name of Transferee By:_______________________________________ Name:_____________________________________ Title:____________________________________ Date:_____________________________________ ANNEX 2 TO EXHIBIT G-2A QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Transferees That Are Registered Investment Companies] The undersigned hereby certifies as follows to [_________________] (the "Transferor") and The Bank of New York, as Trustee, with respect to the mortgage pass-through certificates (the "Transferred Certificates") described in the Transferee certificate to which this certification relates and to which this certification is an Annex: 1. As indicated below, the undersigned is the chief financial officer, a person fulfilling an equivalent function, or other executive officer of the entity purchasing the Transferred Certificates (the "Transferee") or, if the Transferee is a "qualified institutional buyer" as that term is defined in Rule 144A ("Rule 144A") under the Securities Act of 1933, as amended, because the Transferee is part of a Family of Investment Companies (as defined below), is an executive officer of the investment adviser (the "Adviser"). 2. The Transferee is a "qualified institutional buyer" as defined in Rule 144A because (i) the Transferee is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Transferee alone owned and/or invested on a discretionary basis, or the Transferee'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 Transferee's most recent fiscal year. For purposes of determining the amount of securities owned by the Transferee or the Transferee's Family of Investment Companies, the cost of such securities was used, unless the Transferee or any member of the Transferee's Family of Investment Companies, as the case may be, reports its securities holdings in its financial statements on the basis of their market value, and no current information with respect to the cost of those securities has been published, in which case the securities of such entity were valued at market. ____ The Transferee owned and/or invested on a discretionary basis $____________________ in securities (other than the excluded securities referred to below) as of the end of the Transferee's most recent fiscal year (such amount being calculated in accordance with Rule 144A). ____ The Transferee 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 Transferee'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 Transferee or are part of the Transferee'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. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Transferee, or owned by the Transferee's Family of Investment Companies, the securities referred to in this paragraph were excluded. 5. The Transferee is familiar with Rule 144A and understands that the Transferor and other parties related to the Transferred Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Transferee will be in reliance on Rule 144A. ____ ____ Will the Transferee be purchasing the Yes No Transferred Certificates only for the Transferee's own account? 6. If the answer to the foregoing question is "no," then in each case where the Transferee is purchasing for an account other than its own, such account belongs to a third party that is itself a "qualified institutional buyer" within the meaning of Rule 144A, and the "qualified institutional buyer" status of such third party has been established by the Transferee through one or more of the appropriate methods contemplated by Rule 144A. 7. The undersigned will notify the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Transferee's purchase of the Transferred Certificates will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. ------------------------------------------ Print Name of Transferee or Adviser By:_______________________________________ Name:_____________________________________ Title:____________________________________ IF AN ADVISER: ------------------------------------------ Print Name of Transferee By:_______________________________________ Date:_____________________________________ EXHIBIT G-2B FORM II OF TRANSFEREE CERTIFICATE FOR TRANSFERS OF PRIVATE CERTIFICATES [Date] The Bank of New York 101 Barclay Street-12 East New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-E, Class ___, having an initial aggregate Certificate Principal Balance as of August 28, 2001 of $_________ Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [_______________________] (the "Transferor") to [_________________________________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated August 28, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferor hereby certifies, represents and warrants to you, as Trustee, that: 1. Transferee is acquiring the Transferred Certificates for its own account for investment and not with a view to or for sale or transfer in connection with any distribution thereof, in whole or in part, in any manner which would violate the Securities Act of 1933, as amended (the "1933 Act"), or any applicable state securities laws. 2. Transferee understands that (a) the Transferred Certificates have not been and will not be registered under the 1933 Act or registered or qualified under any applicable state securities laws, (b) neither the Depositor nor the Trustee is obligated so to register or qualify the Transferred Certificates and (c) neither the Transferred Certificates nor any security issued in exchange therefor or in lieu thereof may be resold or transferred unless such resale or transfer is exempt from the registration requirements of the 1933 Act and any applicable state securities laws or is made in accordance with the 1933 Act and laws, in which case (i) unless the transfer is made in reliance on Rule 144A under the 1933 Act, the Trustee or the Depositor may require a written Opinion of Counsel (which may be in-house counsel) acceptable to and in form and substance reasonably 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 the 1933 Act and such laws or is being made pursuant to the 1933 Act and such laws, which Opinion of Counsel shall not be an expense of the Trustee or the Depositor and (ii) the Trustee shall require a certificate from the Certificateholder desiring to effect such transfer substantially in the form attached to the Pooling and Servicing Agreement as Exhibit G-1 and a certificate from such Certificateholder's prospective transferee substantially in the form attached to the Pooling and Servicing Agreement either as Exhibit G-2A or as Exhibit G-2B, which certificates shall not be an expense of the Trustee or the Depositor; provided that the foregoing requirements under clauses (i) and (ii) shall not apply to a transfer of a Private Certificate between or among the Depositor, the Seller, their affiliates or both. 3. The Transferee understands that it may not sell or otherwise transfer the Transferred Certificates, any security issued in exchange therefor or in lieu thereof or any interest in the foregoing except in compliance with the provisions of Section 6.02 of the Pooling and Servicing Agreement, which provisions it has carefully reviewed, and that the Transferred Certificates will bear legends substantially to the following effect: THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "1933 ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE 1933 ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPTED FROM THE REGISTRATION REQUIREMENTS OF THE 1933 ACT AND IN ACCORDANCE WITH THE PROVISIONS OF THE POOLING AND SERVICING AGREEMENT REFERENCED HEREIN. UNDER CURRENT LAW THE PURCHASE AND HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF ANY EMPLOYEE BENEFIT PLAN OR ARRANGEMENT, INCLUDING AN INDIVIDUAL RETIREMENT ACCOUNT, SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), OR ANY FEDERAL, STATE OR LOCAL LAW ("SIMILAR LAW") WHICH IS SIMILAR TO ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), MAY RESULT IN "PROHIBITED TRANSACTIONS" WITHIN THE MEANING OF ERISA, THE CODE OR SIMILAR LAW. TRANSFER OF THIS CERTIFICATE WILL NOT BE MADE UNLESS THE TRANSFEREE DELIVERS TO THE TRUSTEE EITHER (I) A REPRESENTATION LETTER, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE, STATING THAT (A) IT IS NOT, AND IS NOT ACTING ON BEHALF OF, ANY SUCH PLAN OR USING THE ASSETS OF ANY SUCH PLAN TO EFFECT SUCH PURCHASE OR (B) IF IT IS AN INSURANCE COMPANY, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT" (AS SUCH TERM IS DEFINED IN SECTION V(E) OF PROHIBITED TRANSACTION CLASS EXEMPTION 95-60 ("PTE 95-60"), 60 FED. REG. 35925 (JULY 12, 1995)), THERE IS NO BENEFIT PLAN WITH RESPECT TO WHICH THE AMOUNT OF SUCH GENERAL ACCOUNT'S RESERVES AND LIABILITIES FOR THE CONTRACT(S) HELD BY OR ON BEHALF OF SUCH BENEFIT PLAN AND ALL OTHER BENEFIT PLANS MAINTAINED BY THE SAME EMPLOYER (OR AFFILIATE THEREOF AS DEFINED IN SECTION V(A)(1) OF PTE 95-60) OR BY THE SAME EMPLOYEE ORGANIZATION EXCEEDS 10% OF THE TOTAL OF ALL RESERVES AND LIABILITIES OF SUCH GENERAL ACCOUNT (AS SUCH AMOUNTS ARE DETERMINED UNDER SECTION I(A) OF PTE 95-60) AT THE DATE OF ACQUISITION AND ALL PLANS THAT HAVE AN INTEREST IN SUCH GENERAL ACCOUNT ARE PLANS TO WHICH PTE 95-60 APPLIES, OR (II) AN OPINION OF COUNSEL, IN FORM AND SUBSTANCE SATISFACTORY TO THE TRUSTEE AND THE SERVICER, TO THE EFFECT THAT THE PURCHASE OR HOLDING OF THIS CERTIFICATE BY OR ON BEHALF OF SUCH PLAN WILL NOT RESULT IN THE ASSETS OF THE TRUST BEING DEEMED TO BE "PLAN ASSETS" AND SUBJECT TO THE PROHIBITED TRANSACTION PROVISIONS OF ERISA, THE CODE OR SIMILAR LAW AND WILL NOT SUBJECT THE DEPOSITOR, THE SERVICER OR THE TRUSTEE TO ANY OBLIGATION IN ADDITION TO THOSE UNDERTAKEN IN THE POOLING AND SERVICING AGREEMENT. EACH PERSON WHO ACQUIRES THIS CERTIFICATE OR ANY INTEREST THEREIN SHALL BE DEEMED TO HAVE MADE THE REPRESENTATIONS REQUIRED BY THE REPRESENTATION LETTER REFERRED TO IN THE PRECEDING SENTENCE UNLESS SUCH PERSON SHALL HAVE PROVIDED SUCH REPRESENTATION LETTER OR THE OPINION OF COUNSEL REFERRED TO IN THE PRECEDING SENTENCE TO THE TRUSTEE. THE POOLING AND SERVICING AGREEMENT PROVIDES THAT ANY ATTEMPTED OR PURPORTED TRANSFER IN VIOLATION OF THESE TRANSFER RESTRICTIONS WILL BE NULL AND VOID AND WILL VEST NO RIGHTS IN ANY PURPORTED TRANSFEREE. 4. Neither the Transferee nor anyone acting on its behalf has (a) offered, transferred, pledged, sold or otherwise disposed of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security to any person in any manner, (b) solicited any offer to buy or accept a transfer, pledge or other disposition of any Transferred Certificate, any interest in a Transferred Certificate or any other similar security from any person in any manner, (c) otherwise approached or negotiated with respect to any Transferred Certificate, any interest in a Transferred Certificate or any other similar security with any person in any manner, (d) made any general solicitation by means of general advertising or in any other manner, or (e) taken any other action, that (in the case of any of the acts described in clauses (a) through (e) above) would constitute a distribution of the Transferred Certificates under the 1933 Act, would render the disposition of the Transferred Certificates a violation of Section 5 of the 1933 Act or any state securities law or would require registration or qualification of the Transferred Certificates pursuant thereto. The Transferee will not act, nor has it authorized nor will it authorize any person to act, in any manner set forth in the foregoing sentence with respect to the Transferred Certificates, any interest in the Transferred Certificates or any other similar security. 5. The Transferee has been furnished with all information regarding (a) the Depositor, (b) the Transferred Certificates and distributions thereon, (c) nature, performance and servicing of the Mortgage Loans., (d) the Pooling and Servicing Agreement and the Trust created pursuant thereto, (e) any credit enhancement mechanism associated with the Transferred Certificates, and (f) all related matters, that it has requested. 6. The Transferee is an "accredited investor" within the meaning of paragraph (1), (2), (3) or (7) of Rule 501 (a) under the 1933 Act or an entity in which all the equity owners come within such paragraphs and has such knowledge and experience in financial and business matters as to be capable of evaluating the merits and risks of an investment in the Transferred Certificates; the Transferee has sought such accounting, legal and tax advice as it has considered necessary to make an informed investment decision; and the Transferee is able to bear the economic risks of such an investment and can afford a complete loss of such investment. 7. If the Transferee proposes that the Transferred Certificates be registered in the name of a nominee, such nominee has completed the Nominee Acknowledgment below. Very truly yours, ------------------------------------------ (Transferee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ Date:_____________________________________ Nominee Acknowledgment ---------------------- The undersigned hereby acknowledges and agrees that as to the Transferred Certificates being registered in its name, the sole beneficial owner thereof is and shall be the Transferee identified above, for whom the undersigned is acting as nominee. ------------------------------------------ (Nominee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ EXHIBIT H FORM OF TRANSFEREE REPRESENTATION LETTER FOR BENEFIT PLAN-RESTRICTED CERTIFICATES The Bank of New York 101 Barclay Street - 12 East New York, New York 10286 Re: Bank of America Mortgage Securities, Inc., Mortgage Pass-Through Certificates, Series 2001-E, Class ___, having an initial aggregate Certificate Principal Balance as of August 28, 2001 of $_________ Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by [_______________________] (the "Transferor") to [________________________________] (the "Transferee") of the captioned Certificates (the "Transferred Certificates"), pursuant to Section 6.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated August 28, 2001, among Bank of America Mortgage Securities, Inc., as Depositor, Bank of America, N.A., as Servicer, and The Bank of New York, as Trustee. All capitalized terms used herein and not otherwise defined shall have the respective meanings set forth in the Pooling and Servicing Agreement. The Transferee hereby certifies, represents and warrants to you, as Trustee, either that: (a) it is not, and is not acting on behalf of, an employee benefit plan or arrangement, including an individual retirement account, subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), the Internal Revenue Code of 1986, as amended (the "Code"), or any federal, state or local law ("Similar Law") which is similar to ERISA or the Code (collectively, a "Plan"), and it is not using the assets of any such Plan to effect the purchase of the Transferred Certificates; or (b) it is an insurance company and the source of funds used to purchase the Transferred Certificates is an "insurance company general account" (as defined in Section V(e) of Prohibited Transaction Class Exemption 95-60 ("PTE 95-60"), 60 Fed. Reg. 35925 (July 12, 1995)), there is no Plan with respect to which the amount of such general account's reserves and liabilities for the contract(s) held by or on behalf of such Plan and all other Plans maintained by the same employer (or affiliate thereof as defined in Section V(a)(1) of PTE 95-60) or by the same employee organization exceeds 10% of the total of all reserves and liabilities of such general account (as such amounts are determined under Section I(a) of PTE 95-60) at the date of acquisition and all Plans that have an interest in such general account are Plans to which PTE 95-60 applies. Capitalized terms used in and not otherwise defined herein shall have the meaning assigned to them in the Pooling and Servicing Agreement. Very truly yours, ------------------------------------------ (Transferee) By:_______________________________________ Name:_____________________________________ Title:____________________________________ Date:_____________________________________ EXHIBIT I FORM OF AFFIDAVIT REGARDING TRANSFER OF RESIDUAL CERTIFICATE PURSUANT TO SECTION 6.02 Bank of America Mortgage Securities, Inc. Mortgage Pass-Through Certificates, Series 2001-E STATE OF ) ) ss: COUNTY OF ) The undersigned, being first duly sworn, deposes and says as follows: 1. The undersigned is an officer of _______________________________, the proposed transferee (the "Transferee") of the Class [A-R] [A-LR] Certificate (the "Residual Certificate") issued pursuant to the Pooling and Servicing Agreement, dated August 28, 2001, (the "Agreement"), relating to the above-referenced Series, by and among Bank of America Mortgage Securities, Inc., as depositor (the "Depositor"), Bank of America, N.A., as servicer, and The Bank of New York, as trustee. Capitalized terms used but not defined herein shall have the meanings ascribed to such terms in the Agreement. The Transferee has authorized the undersigned to make this affidavit on behalf of the Transferee. 2. The Transferee is, as of the date hereof, and will be, as of the date of the transfer, a Permitted Transferee. The Transferee is acquiring the Residual Certificate either (i) for its own account or (ii) as nominee, trustee or agent for another Person who is a Permitted Transferee and has attached hereto an affidavit from such Person in substantially the same form as this affidavit. The Transferee has no knowledge that any such affidavit is false. 3. The Transferee has been advised of, and understands that (i) a tax will be imposed on Transfers of the Residual Certificate to Persons that are not Permitted Transferees; (ii) such tax will be imposed on the transferor, or, if such transfer is through an agent (which includes a broker, nominee or middleman) for a Person that is not a Permitted Transferee, on the agent; and (iii) the Person otherwise liable for the tax shall be relieved of liability for the tax if the subsequent Transferee furnished to such Person an affidavit that such subsequent Transferee is a Permitted Transferee and, at the time of transfer, such Person does not have actual knowledge that the affidavit is false. 4. The Transferee has been advised of, and understands that a tax will be imposed on a "pass-through entity" holding the Certificate if at any time during the taxable year of the pass-through entity a Person that is not a Permitted Transferee is the record Holder of an interest in such entity. The Transferee understands that, other than in the case of an "electing large partnership" under Section 775 of the Code, such tax will not be imposed for any period with respect to which the record Holder furnishes to the pass-through entity an affidavit that such record Holder is a Permitted Transferee and the pass-through entity does not have actual knowledge that such affidavit is false. (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 and, except as may be provided in Treasury Regulations, persons holding interests in pass-through entities as a nominee for another Person.) 5. The Transferee has reviewed the provisions of Section 6.02 of the Agreement and understands the legal consequences of the acquisition of the Residual Certificate including, without limitation, the restrictions on subsequent Transfers and the provisions regarding voiding the transfer and mandatory sales. The Transferee expressly agrees to be bound by and to abide by the provisions of Section 6.02 of the Agreement and the restrictions noted on the face of the Certificate. The Transferee understands and agrees that any breach of any of the representations included herein shall render the transfer to the Transferee contemplated hereby null and void. 6. The Transferee agrees to require a transfer affidavit in the form of this Affidavit from any Person to whom the Transferee attempts to transfer the Residual Certificate, and in connection with any transfer by a Person for whom the Transferee is acting as nominee, trustee or agent, and the Transferee will not transfer the Residual Certificate or cause the Residual Certificate to be transferred to any Person that the Transferee knows is not a Permitted Transferee. 7. The Transferee historically has paid its debts as they have become due. 8. The Transferee does not have the intention to impede the assessment or collection of any tax legally required to be paid with respect to the Residual Certificate. 9. The Transferee's taxpayer identification number is ________________________. 10. The Transferee is a U.S. Person as defined in Code Section 7701(a)(30). 11. The Transferee is aware that the Residual Certificate may be a "noneconomic residual interest" within the meaning of proposed 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. The Transferee understands that it may incur tax liabilities with respect to the Residual Certificate in excess of cash flows generated thereby, and agrees to pay taxes associated with holding the Residual Certificate as such taxes become due. 12. The Transferee is not an employee benefit plan or arrangement, including an individual retirement account, subject to ERISA, the Code or any federal, state or local law which is similar to ERISA or the Code, and the Transferee is not acting on behalf of such a plan or arrangement. * * * IN WITNESS WHEREOF, the Transferee has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its duly authorized officer this _____ day of ________________, ____. ------------------------------------------ Print Name of Transferee By:_______________________________________ Name: Title: Personally appeared before me the above-named ___________________________, known or proved to me to be the same person who executed the foregoing instrument and to be the _______________________ of the Transferee, and acknowledged that he executed the same as his free act and deed and the free act and deed of the Transferee. Subscribed and sworn before me this _____ day of _______________________, ____ -------------------------------------------- NOTARY PUBLIC My Commission expires the ____ day of ______________, ____ EXHIBIT J CONTENTS OF THE SERVICER MORTGAGE FILE 1. Copies of Mortgage Loans Documents. 2. Residential loan application. 3. Mortgage Loan closing statement. 4. Verification of employment and income, if required. 5. Verification of acceptable evidence of source and amount of downpayment. 6. Credit report on Mortgagor, in a form acceptable to either FNMA or FHLMC. 7. Residential appraisal report. 8. Photograph of the Mortgaged Property. 9. Survey of the Mortgaged Property, unless a survey is not required by the title insurer. 10. Copy of each instrument necessary to complete identification of any exception set forth in the exception schedule in the title policy, i.e., map or plat, restrictions, easements, home owner association declarations, etc. 11. Copies of all required disclosure statements. 12. If applicable, termite report, structural engineer's report, water potability and septic certification. 13. Sales Contract, if applicable. 14. The Primary Insurance Policy or certificate of insurance or an electronic notation of the existence of such policy, where required pursuant to the Agreement. 15. Evidence of electronic notation of the hazard insurance policy, and if required by law, evidence of the flood insurance policy. EXHIBIT K FORM OF SPECIAL SERVICING AGREEMENT This Special Servicing Agreement (the "Agreement") is made and entered into as of ___________________, between Bank of America, N.A. (the "Servicer") and ___________________ (the "Loss Mitigation Advisor "). PRELIMINARY STATEMENT _________________ (the "Purchaser") is the holder of the entire interest in Bank of America Mortgage Securities, Inc.; Mortgage Pass-Through Certificates, Series ______, Class ____ (the "Class B Certificates"). The Class B Certificates were issued pursuant to a Pooling and Servicing Agreement dated ___________________among Bank of America Mortgage Securities, Inc., as depositor (the "Depositor"), the Servicer, and The Bank of New York, as Trustee. The Purchaser has requested the Servicer to engage the Loss Mitigation Advisor, at the Purchaser's expense, to assist the Servicer with respect to default management and reporting situations for the benefit of the Purchaser. In consideration of the mutual agreements herein contained, the receipt and sufficiency of which are hereby acknowledged, the Servicer hereby engages the Loss Mitigation Advisor to provide advice in connection with default management and reporting situations with respect to defaulted loans, including providing to the Servicer recommendations with respect to foreclosures, the acceptance of so-called short payoffs, deeds in lieu of or in aid of foreclosure and deficiency notes, as well as with respect to the sale of REO properties. The Loss Mitigation Advisor hereby accepts such engagement, and acknowledges that its fees will be paid by the Purchaser and not the Servicer, and that it will not look to the Servicer for financial remuneration. It is the intent of the parties to this Agreement that the services of the Loss Mitigation Advisor are provided without fee to the Servicer for the benefit of the Purchaser for the life of the Class B Certificates. ARTICLE I DEFINITIONS Section 1.01. Defined Terms. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the following meanings: 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 are required or authorized by law or executive order to be closed. Commencement of Foreclosure: The first official action required under local law in order to commence foreclosure proceedings or to schedule a trustee's sale under a deed of trust, including (i) in the case of a mortgage, any filing or service of process necessary to commence an action to foreclose, or (ii) in the case of a deed of trust, the posting, publishing, filing or delivery of a notice of sale. Delay of Foreclosure: The postponement for more than three Business Days of the scheduled sale of Mortgaged Property to obtain satisfaction of a Mortgage Loan. Loss Mitigation Advisor: ______________. Purchaser: _______________________, or the holder of record of the Class B Certificates. Short Payoff: Liquidation of a Mortgage Loan at less than the full amount of the outstanding balance of the Mortgage Loan plus advances and costs through a negotiated settlement with the borrower, which may include a deed-in-lieu of foreclosure or sale of the property or of the promissory note secured by the collateral property to a third party, in either case with or without a contribution toward any resulting deficiency by the borrower. Section 1.02. Definitions Incorporated by Reference. All capitalized terms not otherwise defined in this Agreement shall have the meanings assigned in the Pooling and Servicing Agreements. ARTICLE II SPECIAL SERVICING PROCEDURES Section 2.01. Reports and Notices. (a) In connection with the performance of its duties under the Pooling and Servicing Agreement relating to the realization upon defaulted Mortgage Loans, the Servicer shall use reasonable efforts to provide to the Loss Mitigation Advisor with the following notices and reports. All such notices and reports may be sent to the Loss Mitigation Advisor by telecopier, electronic mail, express mail or regular mail. (i) The Servicer shall within five Business Days after each Distribution Date either: (A) provide to the Loss Mitigation Advisor a written or electronic report, using the same methodology and calculations as in its standard servicing reports, indicating for the trust fund formed by the Pooling and Servicing Agreement, the number of Mortgage Loans that are (1) sixty days delinquent, (2) ninety days or more delinquent, (3) in foreclosure or (4) real estate owned (REO), and indicating for each such Mortgage Loan the loan number, whether the loan is in bankruptcy or paying under the terms of a repayment plan, the reason for default, and outstanding principal balance; or (B) provide the information detailed in (A) to a data service provider of the Loss Mitigation Advisor's choice in an electronic format acceptable to that data service provider. Provision of the information to a service provider other than that specified by the Loss Mitigation Advisor is acceptable. (ii) Prior to a Delay of Foreclosure in connection with any Mortgage Loan, the Servicer shall provide the Loss Mitigation Advisor with a notice of such proposed and imminent delay, stating the loan number, the aggregate amount owing under the Mortgage Loan, and the reason and justification for delaying foreclosure action. All notices and supporting documentation pursuant to this subsection may be provided via telecopier, express mail or electronic mail. (iii) Prior to accepting any Short Payoff in connection with any Mortgage Loan, the Servicer shall provide the Loss Mitigation Advisor with a notice of such proposed and imminent Short Payoff, stating the loan number, the aggregate amount owing under the Mortgage Loan, and the justification for accepting the proposed Short Payoff. Such notice may be sent by telecopier, express mail, electronic mail or regular mail. (iv) Within five (5) business days of each Distribution Date, the Servicer shall provide the Loss Mitigation Advisor with a report listing each loan that has resulted in a realized loss that has been reported to the trustee. Such report shall specify the loan number, the outstanding principal balance of the loan upon its liquidation, the realized loss, and the following components of realized loss: foreclosure costs, advances, mortgage insurance proceeds, marketing and property rehabilitation costs, and other costs. Such report may be provided by telecopier, express mail, regular mail or electronic mail. The Loss Mitigation Advisor shall have at least ten (10) business days in which to respond with reasonable questions or requests for additional information regarding the amounts reported as realized losses, and the Servicer shall within five (5) business days of receipt of the Loss Mitigation Advisor's questions or additional information requests provide responses to such questions and requests. (v) Within five (5) business days of receipt by the Servicer of an offer to acquire an REO property at an amount that is more than 15% below the most recent market valuation of that property obtained by the Servicer (or if no such valuation has been obtained, the appraisal used in connection with the originating of the related Mortgage Loan), the Servicer shall notify the Loss Mitigation Advisor of such offer and shall provide a justification for accepting such offer, if that is the Servicer's recommendation. (vi) Within five (5) business days of receipt by the Servicer that a claim filed for mortgage insurance, or any part thereof, has been rejected by the mortgage insurance provider, the Servicer shall provide a copy of the rejected claim with explanations for the item or items rejected to the Loss Mitigation Advisor. (vii) Within five (5) business days of providing the trustee with any notice regarding a mortgage loan substitution, loan modification, or loan repurchase, the Servicer shall provide the Loss Mitigation Advisor with a copy of the notice. (b) If requested by the Loss Mitigation Advisor, the Servicer shall make its servicing personnel available during its normal business hours to respond to reasonable inquiries, in writing by facsimile transmission, express mail or electronic mail, by the Loss Mitigation Advisor in connection with any Mortgage Loan identified in a report under subsection 2.01 (a)(i), (a)(ii), (a)(iii) or (a)(iv) which has been given to the Loss Mitigation Advisor; provided that the Servicer shall only be required to provide information that is readily accessible to their servicing personnel. (c) In addition to the foregoing, the Servicer shall provide to the Loss Mitigation Advisor such information as the Loss Mitigation Advisor may reasonably request concerning each Mortgage Loan that is at least sixty days delinquent and each Mortgage Loan which has become real estate owned, provided that the Servicer shall only be required to provide information that is readily accessible to its servicing personnel. (d) With respect to all Mortgage Loans which are serviced at any time by the Servicer through a subservicer, the Servicer shall be entitled to rely for all purposes hereunder, including for purposes of fulfilling its reporting obligations under this Section 2.01, on the accuracy and completeness of any information provided to it by the applicable subservicer. Section 2.02. Loss Mitigation Advisor's Recommendations With Respect to Defaulted Loans. (a) All parties to this Agreement acknowledge that the Loss Mitigation Advisor's advice is made in the form of recommendations, and that the Loss Mitigation Advisor does not have the right to direct the Servicer in performing its duties under the Pooling and Servicing Agreement. The Servicer may, after review and analysis of the Loss Mitigation Advisor's recommendation, accept or reject it, in the Servicer's sole discretion, subject to the standards of the Servicer to protect the interest of the Certificateholders set forth in the Pooling and Servicing Agreement. (b) Within two (2) business days of receipt of a notice of a foreclosure delay, the Loss Mitigation Advisor shall provide the Servicer with a recommendation regarding the delay, provided, however, that if additional information is required on which to base a recommendation, the Loss Mitigation Advisor shall notify the Servicer of the additional information needed within the allotted time, and the Servicer shall promptly provide such information and the Loss Mitigation Advisor shall then submit to the Servicer its recommendation. The Loss Mitigation Advisor may recommend that additional procedures be undertaken to further analyze the property, the borrower, or issues related to the default or foreclosure. Such additional procedures may include asset searches, property valuations, legal analysis or other procedures that are warranted by the circumstances of the property, borrower or foreclosure. The Loss Mitigation Advisor may recommend such other actions as are warranted by the circumstances of the property, borrower or foreclosure. (c) Within two (2) business days of receipt of a notice of a proposed Short Payoff, the Loss Mitigation Advisor shall provide the Servicer with a recommendation regarding the proposed Short Payoff, provided, however, that if additional information is required on which to base a recommendation, the Loss Mitigation Advisor shall notify the Servicer of the additional information needed within two business days, and the Servicer shall promptly provide such information and the Loss Mitigation Advisor shall then submit to the Servicer its recommendation. The Loss Mitigation Advisor's recommendation may take the form of concurring with the proposed Short Payoff, recommending against such Short Payoff, with a justification provided, or proposing a counteroffer. (d) Within two (2) business days of receipt of a notice of an REO sale at an amount that is more than 15% below the recent market valuation of that property, the Loss Mitigation Advisor shall provide the Servicer with its recommendation. The Loss Mitigation Advisor's recommendation may take the form of concurring with the proposed below-market sale, recommending against such below-market sale, or proposing a counteroffer. Section 2.03. Termination. (a) With respect to all Mortgage Loans included in a trust fund, the Servicer's obligations under Section 2.01 and Section 2.02 shall terminate at such time as the Certificate Principal Balances of the related Class B Certificates have been reduced to zero. (b) The Loss Mitigation Advisor's responsibilities under this Agreement shall terminate upon the termination of the fee agreement between the Purchaser or its successor and the Loss Mitigation Advisor. The Loss Mitigation Advisor shall promptly notify the Servicer of the date of termination of such fee agreement, but in no event later than 5:00 P.M., EST, on the effective date thereof. (c) Neither the Servicer nor any of its directors, officers, employees or agents shall be under any liability 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 Servicer or any such Person against 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 Servicer and the Loss Mitigation Advisor and any director, officer, employee or agent thereof 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. Neither the Loss Mitigation Advisor, its directors, officers, employees or agents shall be under any liability for any actions taken by the Servicer based upon the recommendation pursuant to this Agreement, provided they are made in good faith. ARTICLE III MISCELLANEOUS PROVISIONS Section 3.01. Amendment. This Agreement may be amended from time to time by the Servicer and the Loss Mitigation Advisor by written agreement signed by the Servicer and the Loss Mitigation Advisor. Section 3.02. Counterparts. 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 3.03. Governing Law. This Agreement shall be construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws. Section 3.04. Notices. All demands, notices and direction hereunder shall be in writing or by telecopier and shall be deemed effective upon receipt to: (a) in the case of the Servicer, Bank of America, N.A. 201 North Tryon Street Charlotte, North Carolina 28255 Attn: Secondary Marketing with a copy to the General Counsel or such other address as may hereafter be furnished in writing by the Servicer, (b) in the case of the Loss Mitigation Advisor, ________________________ (c) in the case of the Purchaser: ________________________ Section 3.05. Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever, including regulatory, 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. Section 3.06. Successors and Assigns. (a) The provisions of this Agreement shall be binding upon and inure to the benefit of the respective successors and assigns of the parties hereto, and all such provisions shall inure to the benefit of the Certificateholders. (b) The Servicer shall notify the Loss Mitigation Advisor of the assignment of its duties to any successor servicer within thirty (30) days prior to such assignment, and shall provide the name, address, telephone number and telecopier number for the successor to the Loss Mitigation Advisor. Section 3.07. Article and Section Headings. The article and section headings herein are for convenience of reference only and shall not limit or otherwise affect the meaning hereof. Section 3.08. Confidentiality. The Servicer acknowledges the confidentiality of this Agreement and will not release or republish its contents without the consent of the Loss Mitigation Advisor except to the extent required by law, regulation or court order. The Loss Mitigation Advisor agrees that all information supplied by or on behalf of the Servicer under this Agreement, is the property of the Servicer. The Loss Mitigation Advisor shall keep in strictest confidence all information relating to this Agreement, including, without limitation, individual account information and other information supplied by or on behalf of the Servicer pursuant to Section 2.01, and that information which may be acquired in connection with or as a result of this Agreement. During the term of this Agreement and at any time thereafter, without the prior written consent of the Servicer, the Loss Mitigation Advisor shall not publish, communicate, divulge, disclose or use any of such information. Upon termination or expiration of this Agreement, the Loss Mitigation Advisor shall deliver all records, data, information, and other documents and all copies thereof supplied by or on behalf of the Servicer pursuant to Section 2.01 to the Servicer and such shall remain the property of the Servicer. Section 3.09. Independent Contractor. In all matters relating to this Agreement, the Loss Mitigation Advisor shall be acting as an independent contractor. Neither the Loss Mitigation Advisor nor any employees of the Loss Mitigation Advisor are employees or agents of the Servicer under the meaning or application of any Federal or State Unemployment or Insurance Laws or Workmen's Compensation Laws, or otherwise. The Loss Mitigation Advisor shall assume all liabilities or obligations imposed by any one or more of such laws with respect to the employees of the Loss Mitigation Advisor in the performance of this Agreement. The Loss Mitigation Advisor shall not have any authority to assume or create any obligation, express or implied, on behalf of the Servicer, and the Loss Mitigation Advisor shall not have the authority to represent itself as an agent, employee, or in any other capacity of the Servicer. IN WITNESS WHEREOF, the Servicer and the Loss Mitigation Advisor have caused their names to be signed hereto by their respective officers thereunto duly authorized, all as of the day and year first above written. Bank of America, N.A. By:___________________________________ Name:_________________________________ Title:________________________________ Loss Mitigation Advisor _______________________ By:___________________________________ Name:_________________________________ Title:________________________________ PURCHASER'S ACKNOWLEDGEMENT AND AGREEMENT Purchaser executes this agreement for the purpose of acknowledging the limited obligations of the Servicer in respect of the Loss Mitigation Advisor's recommendation, as described in Section 2.02(a) hereof and confirming to the Servicer that (i) it shall be solely responsible for the payment of the fees of the Loss Mitigation Advisor pursuant to the terms of an agreement between Purchaser and Loss Mitigation Advisor dated _____________, 20__ and (ii) Purchaser upon transfer of its interest in any of the Class B Certificates or any part thereof will require its successor to consent to this Special Servicing Agreement and to pay any of the fees due to the Loss Mitigation Advisor pursuant to the agreement referenced in clause (i) above. Purchaser By:______________________________________ Name:____________________________________ Title:___________________________________ EXHIBIT L LIST OF RECORDATION STATES Florida Maryland Mississippi South Carolina Tennessee