EX-4 3 we619926-ex4.txt POOLING AND SERVICING AGREEMENT ___________________________________________________________________ WELLS FARGO ASSET SECURITIES CORPORATION (Seller) and WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION (Master Servicer) and FIRST UNION NATIONAL BANK (Trustee) POOLING AND SERVICING AGREEMENT Dated as of December 21, 2001 $900,487,132.96 Mortgage Pass-Through Certificates Series 2001-31 _________________________________________________________________ TABLE OF CONTENTS ARTICLE I DEFINITIONS Section 1.01 Definitions.................................................... Section 1.02 Acts of Holders................................................ Section 1.03 Effect of Headings and Table of Contents....................... Section 1.04 Benefits of Agreement.......................................... ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF THE CERTIFICATES Section 2.01 Conveyance of Mortgage Loans................................... Section 2.02 Acceptance by Trustee.......................................... Section 2.03 Representations and Warranties of the Master Servicer and the Seller ........................................................ Section 2.04 Execution and Delivery of Certificates......................... Section 2.05 Designation of Certificates; Designation of Startup Day and Latest Possible Maturity Date.................................. Section 2.06 Optional Substitution of Mortgage Loans........................ ARTICLE III ADMINISTRATION OF THE TRUST ESTATE; SERVICING OF THE MORTGAGE LOANS Section 3.01 Certificate Account............................................ Section 3.02 Permitted Withdrawals from the Certificate Account............. Section 3.03 Advances by Master Servicer and Trustee........................ Section 3.04 Trustee to Cooperate; Release of Owner Mortgage Loan Files..... Section 3.05 Reports to the Trustee; Annual Compliance Statements........... Section 3.06 Title, Management and Disposition of Any REO Mortgage Loan..... Section 3.07 Amendments to Servicing Agreements, Modification of Standard Provisions..................................................... Section 3.08 Oversight of Servicing......................................... Section 3.09 Termination and Substitution of Servicing Agreements........... Section 3.10 Application of Net Liquidation Proceeds........................ Section 3.11 Act Reports.................................................... ARTICLE IV DISTRIBUTIONS IN RESPECT OF CERTIFICATES; PAYMENTS TO CERTIFICATEHOLDERS; STATEMENTS AND REPORTS Section 4.01 Distributions.................................................. Section 4.02 Allocation of Realized Losses.................................. Section 4.03 Paying Agent................................................... Section 4.04 Statements to Certificateholders; Reports to the Trustee, and the Seller..................................................... Section 4.05 Reports to Mortgagors and the Internal Revenue Service......... Section 4.06 Calculation of Amounts; Binding Effect of Interpretations and Actions of Master Servicer..................................... Section 4.07 Determination of LIBOR......................................... ARTICLE V THE CERTIFICATES Section 5.01 The Certificates............................................... Section 5.02 Registration of Certificates................................... Section 5.03 Mutilated, Destroyed, Lost or Stolen Certificates.............. Section 5.04 Persons Deemed Owners.......................................... Section 5.05 Access to List of Certificateholders' Names and Addresses...... Section 5.06 Maintenance of Office or Agency................................ Section 5.07 Definitive Certificates........................................ Section 5.08 Notices to Clearing Agency..................................... ARTICLE VI THE SELLER AND THE MASTER SERVICER Section 6.01 Liability of the Seller and the Master Servicer................ Section 6.02 Merger or Consolidation of the Seller or the Master Servicer... Section 6.03 Limitation on Liability of the Seller, the Master Servicer and Others .................................................... Section 6.04 Resignation of the Master Servicer............................. Section 6.05 Compensation to the Master Servicer............................ Section 6.06 Assignment or Delegation of Duties by Master Servicer.......... Section 6.07 Indemnification of Trustee and Seller by Master Servicer....... ARTICLE VII DEFAULT Section 7.01 Events of Default.............................................. Section 7.02 Other Remedies of Trustee...................................... Section 7.03 Directions by Certificateholders and Duties of Trustee During Event of Default............................................... Section 7.04 Action upon Certain Failures of the Master Servicer and upon Event of Default............................................... Section 7.05 Trustee to Act; Appointment of Successor....................... Section 7.06 Notification to Certificateholders............................. ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01 Duties of Trustee.............................................. Section 8.02 Certain Matters Affecting the Trustee.......................... Section 8.03 Trustee Not Required to Make Investigation..................... Section 8.04 Trustee Not Liable for Certificates or Mortgage Loans.......... Section 8.05 Trustee May Own Certificates................................... Section 8.06 The Master Servicer to Pay Fees and Expenses................... Section 8.07 Eligibility Requirements....................................... Section 8.08 Resignation and Removal........................................ Section 8.09 Successor...................................................... Section 8.10 Merger or Consolidation........................................ Section 8.11 Authenticating Agent........................................... Section 8.12 Separate Trustees and Co-Trustees.............................. Section 8.13 Appointment of Custodians...................................... Section 8.14 Tax Matters; Compliance with REMIC Provisions.................. Section 8.15 Monthly Advances............................................... ARTICLE IX TERMINATION Section 9.01 Termination upon Purchase by the Seller or Liquidation of All Mortgage Loans................................................. Section 9.02 Additional Termination Requirements............................ ARTICLE X MISCELLANEOUS PROVISIONS Section 10.01 Amendment...................................................... Section 10.02 Recordation of Agreement....................................... Section 10.03 Limitation on Rights of Certificateholders..................... Section 10.04 Governing Law; Jurisdiction.................................... Section 10.05 Notices........................................................ Section 10.06 Severability of Provisions..................................... Section 10.07 Special Notices to Rating Agencies............................. Section 10.08 Covenant of Seller............................................. Section 10.09 Recharacterization............................................. ARTICLE XI TERMS FOR CERTIFICATES Section 11.01 Class A Fixed Pass-Through Rate................................ Section 11.02 Cut-Off Date................................................... Section 11.03 Cut-Off Date Aggregate Principal Balance....................... Section 11.04 Original Class A Percentage.................................... Section 11.05 Original Principal Balances of the Classes of Class A Certificates .................................................. Section 11.05(a) Original Notional Amount....................................... Section 11.06 Original Class A Non-PO Principal Balance...................... Section 11.07 Original Subordinated Percentage............................... Section 11.08 Original Class B-1 Percentage.................................. Section 11.09 Original Class B-2 Percentage.................................. Section 11.10 Original Class B-3 Percentage.................................. Section 11.11 Original Class B-4 Percentage.................................. Section 11.12 Original Class B-5 Percentage.................................. Section 11.13 Original Class B-6 Percentage.................................. Section 11.14 Original Class B Principal Balance............................. Section 11.15 Original Principal Balances of the Classes of Class B Certificates .................................................. Section 11.16 Original Class B-1 Fractional Interest......................... Section 11.17 Original Class B-2 Fractional Interest......................... Section 11.18 Original Class B-3 Fractional Interest......................... Section 11.19 Original Class B-4 Fractional Interest......................... Section 11.20 Original Class B-5 Fractional Interest......................... Section 11.21 Closing Date................................................... Section 11.22 Right to Purchase.............................................. Section 11.23 Wire Transfer Eligibility...................................... Section 11.24 Single Certificate............................................. Section 11.25 Servicing Fee Rate............................................. Section 11.26 Master Servicing Fee Rate...................................... 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-6 - Form of Face of Class A-6 Certificate EXHIBIT A-7 - Form of Face of Class A-7 Certificate EXHIBIT A-8 - Form of Face of Class A-8 Certificate EXHIBIT A-9 - Form of Face of Class A-9 Certificate EXHIBIT A-10 - Form of Face of Class A-10 Certificate EXHIBIT A-11 - Form of Face of Class A-11 Certificate EXHIBIT A-12 - Form of Face of Class A-12 Certificate EXHIBIT A-13 - Form of Face of Class A-13 Certificate EXHIBIT A-14 - Form of Face of Class A-14 Certificate EXHIBIT A-15 - Form of Face of Class A-15 Certificate EXHIBIT A-16 - Form of Face of Class A-16 Certificate EXHIBIT A-17 - Form of Face of Class A-17 Certificate EXHIBIT A-18 - Form of Face of Class A-18 Certificate EXHIBIT A-PO - Form of Face of Class A-PO 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 Series 2001-31 Certificates EXHIBIT D - Reserved EXHIBIT E - Custodial Agreement EXHIBIT F-1 - Schedule of Type 1 Mortgage Loans Serviced by WFHM EXHIBIT F-2 - Schedule of Type 2 Mortgage Loans Serviced by WFHM EXHIBIT F-3 - Schedule of Mortgage Loans Serviced by Other Servicers EXHIBIT G - Request for Release EXHIBIT H - Affidavit Pursuant to Section 860E(e)(4) of the Internal Revenue Code of 1986, as amended, and for Non-ERISA Investors EXHIBIT I - Letter from Transferor of Residual Certificates EXHIBIT J - Transferee's Letter (Class [B-4][B-5][B-6] Certificates) EXHIBIT K - Reserved EXHIBIT L - Servicing Agreements EXHIBIT M - Form of Special Servicing Agreement SCHEDULE I - Applicable Unscheduled Principal Receipt Period This Pooling and Servicing Agreement, dated as of December 21, 2001 executed by WELLS FARGO ASSET SECURITIES CORPORATION, as Seller, WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION, as Master Servicer and FIRST UNION NATIONAL BANK, as Trustee. WITNESSETH THAT: In consideration of the mutual agreements herein contained, the Seller, the Master Servicer and the Trustee agree as follows: ARTICLE I DEFINITIONS SECTION 1.01 DEFINITIONS. Whenever used herein, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accepted Master Servicing Practices: Accepted Master Servicing Practices shall consist of the customary and usual master servicing practices of prudent master servicing institutions which service mortgage loans of the same type as the Mortgage Loans in the jurisdictions in which the related Mortgaged Properties are located, regardless of the date upon which the related Mortgage Loans were originated. Accretion Termination Date: For the Class A-6 Certificates, the earlier to occur of (i) the Distribution Date following the Distribution Date on which the Principal Balances of the Class A-4 and Class A-5 Certificates have been reduced to zero or (ii) the Subordination Depletion Date. Accrual Certificates: The Class A-6 Certificates. Accrual Distribution Amount: As to any Distribution Date prior to the Accretion Termination Date and the Accrual Certificates, an amount equal to the sum of (i) the Class A Interest Percentage of such Class of Accrual Certificates of the Current Class A Interest Distribution Amount and (ii) the Class A Interest Shortfall Percentage of such Class of Accrual Certificates of the amount distributed in respect of the Classes of Class A Certificates pursuant to Paragraph second of Section 4.01(a)(i) on such Distribution Date. As to any Distribution Date on or after the Accretion Termination Date, zero. Adjusted Pool Amount: With respect to any Distribution Date, the Cut-Off Date Aggregate 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, Unscheduled Principal Receipts and Substitution Principal Amounts) and distributed to Holders of the Certificates on such Distribution Date and all prior Distribution Dates, (ii) the principal portion of all Liquidated Loan Losses incurred on such Mortgage Loans for which the Liquidation Proceeds were received from the Cut-Off Date through the end of the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date and (iii) the principal portion of all Bankruptcy Losses (other than Debt Service Reductions) incurred on the Mortgage Loans from the Cut-Off Date through the end of the period corresponding to the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date. Adjusted Pool Amount (PO Portion): With respect to any Distribution Date, the sum of the amounts, calculated as follows, with respect to all Outstanding Mortgage Loans: the product of (i) the PO Fraction for each such Mortgage Loan and (ii) the remainder of (A) the Cut-Off Date Principal Balance of such Mortgage Loan minus (B) the sum of (x) all amounts in respect of principal received in respect of such Mortgage Loan (including, without limitation, amounts received as Monthly Payments, Periodic Advances, Unscheduled Principal Receipts and Substitution Principal Amounts) and distributed to Holders of the Certificates on such Distribution Date and all prior Distribution Dates, (y) the principal portion of any Liquidated Loan Losses incurred on such Mortgage Loans for which Liquidation Proceeds were received from the Cut-Off Date through the end of the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date and (z) the principal portion of all Bankruptcy Losses (other than Debt Service Reductions) incurred on the Mortgage Loans from the Cut-Off Date through the end of the period corresponding to the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date. Adjusted Principal Balance: As to any Distribution Date and any Class of Class B Certificates, the greater of (A) zero and (B) (i) the Principal Balance of such Class with respect to such Distribution Date minus (ii) the Adjustment Amount for such Distribution Date less the Principal Balances for any Classes of Class B Certificates with higher numerical designations. Adjustment Amount: For any Distribution Date, the difference between (A) the sum of the Class A Principal Balance and the Class B Principal Balance as of the related Determination Date and (B) the sum of (i) the sum of the Class A Principal Balance and the Class B Principal Balance as of the Determination Date succeeding such Distribution Date, (ii) the principal portion of Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses allocated to the Certificates with respect to such Distribution Date and (iii) the aggregate amount that would have been distributed to all Classes as principal in accordance with Section 4.01(a)(i) for such Distribution Date without regard to the provisos in the definitions of Class B-1 Optimal Principal Amount, Class B-2 Optimal Principal Amount, Class B-3 Optimal Principal Amount, Class B-4 Optimal Principal Amount, Class B-5 Optimal Principal Amount and Class B-6 Optimal Principal Amount. Aggregate Class A Distribution Amount: As to any Distribution Date, the aggregate amount distributable to the Classes of Class A Certificates pursuant to Paragraphs first, second, third and fourth of Section 4.01(a)(i) on such Distribution Date. Aggregate Class A Unpaid Interest Shortfall: As to any Distribution Date, an amount equal to the sum of the Class A Unpaid Interest Shortfalls for the Class A Certificates. Aggregate Current Bankruptcy Losses: With respect to any Distribution Date, the sum of all Bankruptcy Losses incurred on any of the Mortgage Loans during the period corresponding to the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date. Aggregate Current Fraud Losses: With respect to any Distribution Date, the sum of all Fraud Losses incurred on any of the Mortgage Loans for which Liquidation Proceeds were received during the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date. Aggregate Current Special Hazard Losses: With respect to any Distribution Date, the sum of all Special Hazard Losses incurred on any of the Mortgage Loans for which Liquidation Proceeds were received during the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date. Aggregate Non-PO Principal Balance: With respect to any Distribution Date, the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance as of such Distribution Date. Agreement: This Pooling and Servicing Agreement and all amendments and supplements hereto. Applicable Unscheduled Principal Receipt Period: With respect to the Mortgage Loans serviced by each Servicer and each of Full Unscheduled Principal Receipts and Partial Unscheduled Principal Receipts, the Unscheduled Principal Receipt Period specified on Schedule I hereto, as amended from time to time by the Master Servicer pursuant to Section 10.01(b) hereof. Authenticating Agent: Any authenticating agent appointed by the Trustee pursuant to Section 8.11. There shall initially be no Authenticating Agent for the Certificates. Available Master Servicer Compensation: With respect to any Distribution Date, the sum of (a) the Master Servicing Fee for such Distribution Date, (b) interest earned through the business day preceding the applicable Distribution Date on any Prepayments in Full remitted to the Master Servicer and (c) the aggregate amount of Month End Interest remitted by the Servicers to the Master Servicer pursuant to the related Servicing Agreements. Bankruptcy Code: The Bankruptcy Code of 1978, as amended. Bankruptcy Loss: With respect to any Mortgage Loan, a Deficient Valuation or Debt Service Reduction; provided, however, that a Bankruptcy Loss shall not be deemed a Bankruptcy Loss hereunder so long as the applicable Servicer has notified the Master Servicer and the Trustee in writing that such Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by such Servicer without giving effect to any Debt Service Reduction. Bankruptcy Loss Amount: As of any Distribution Date prior to the first anniversary of the Cut-Off Date, the Bankruptcy Loss Amount will equal $156,095.22 minus the aggregate amount of Bankruptcy Losses allocated solely to the Class B Certificates in accordance with Section 4.02(a) since the Cut-Off Date. As of any Distribution Date on or after the first anniversary of the Cut-Off Date, an amount equal to (1) the lesser of (a) the Bankruptcy Loss Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-Off Date coinciding with or preceding such Distribution Date (the "Relevant Anniversary") and (b) such lesser amount which, as determined on the Relevant Anniversary will not cause any rated Certificates to be placed on credit review status (other than for possible upgrading) by either Rating Agency minus (2) the aggregate amount of Bankruptcy Losses allocated solely to the Class B Certificates in accordance with Section 4.02(a) since the Relevant Anniversary. On and after the Subordination Depletion Date the Bankruptcy Loss Amount shall be zero. Beneficial Owner: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of such Book-Entry Certificate, as reflected on the books of the Clearing Agency, or on the books of a Person maintaining an account with such Clearing Agency (directly or as an indirect participant, in accordance with the rules of such Clearing Agency), as the case may be. Book-Entry Certificate: Any one of the Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-8 Certificates, Class A-9 Certificates, Class A-10 Certificates, Class A-11 Certificates, Class A-12 Certificates, Class A-13 Certificates, Class A-14 Certificates, Class A-15 Certificates, Class A-16 Certificates, Class A-17 Certificates, Class A-18 Certificates, Class A-PO Certificates, Class B-1 Certificates, Class B-2 Certificates and Class B-3 Certificates beneficial ownership and transfers of which shall be evidenced by, and made through, book entries by the Clearing Agency as described in Section 5.01(b). Business Day: Any day other than (i) a Saturday or a Sunday, or (ii) a legal holiday in the City of New York, State of Iowa, State of Maryland, State of Minnesota or State of North Carolina or (iii) a day on which banking institutions in the City of New York, or the State of Iowa, State of Maryland, State of Minnesota or State of North Carolina are authorized or obligated by law or executive order to be closed. Certificate: Any one of the Class A Certificates or Class B Certificates. Certificate Account: The trust account established and maintained by the Master Servicer in the name of the Master Servicer on behalf of the Trustee pursuant to Section 3.01. The Certificate Account shall be an Eligible Account. Certificate Custodian: Initially, First Union National Bank; thereafter any other Certificate Custodian acceptable to The Depository Trust Company and selected by the Trustee. Certificate Register and Certificate Registrar: Respectively, the register maintained pursuant to and the registrar provided for in Section 5.02. The initial Certificate Registrar is the Trustee. Certificateholder or Holder: The Person in whose name a Certificate is registered in the Certificate Register, except that, solely for the purposes of the taking of any action under Articles VII or VIII, any Certificate registered in the name of the Master Servicer, a Servicer or any affiliate thereof shall be deemed not to be outstanding and the Voting Interest evidenced thereby shall not be taken into account in determining whether the requisite percentage of Certificates necessary to effect any such action has been obtained. Class: All certificates whose form is identical except for variations in the Percentage Interest evidenced thereby. Class A Certificate: Any one of the Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-8 Certificates, Class A-9 Certificates, Class A-10 Certificates, Class A-11 Certificates, Class A-12 Certificates, Class A-13 Certificates, Class A-14 Certificates, Class A-15 Certificates, Class A-16 Certificates, Class A-17 Certificates, Class A-18 Certificates, Class A-PO Certificates, Class A-R Certificate or Class A-LR Certificate. Class A Certificateholder: The registered holder of a Class A Certificate. Class A Distribution Amount: As to any Distribution Date and any Class of Class A Certificates (other than the Class A-6, Class A-15 and Class A-PO Certificates), the amount distributable to such Class of Class A Certificates pursuant to Paragraphs first, second and third clause (A) of Section 4.01(a)(i). As to the Accrual Certificates, (a) as to any Distribution Date prior to the Accretion Termination Date, the amount distributable to the Accrual Certificates pursuant to the provisos in Paragraphs first and second of Section 4.01(a)(i) and Paragraph third clause (A) of Section 4.01(a)(i) and (b) as to any Distribution Date on or after the Accretion Termination Date, the amount distributable to the Accrual Certificates pursuant to Paragraphs first, second and third clause (A) of Section 4.01(a)(i). As to the Class A-15 Certificates, the amount distributable to such Class pursuant to Paragraphs first and second of Section 4.01(a)(i). As to any Distribution Date and the Class A-PO Certificates, the amount distributable to the Class A-PO Certificates pursuant to Paragraphs third clause (B) and fourth of Section 4.01(a)(i) on such Distribution Date. Class A Fixed Pass-Through Rate: As to any Distribution Date, the rate per annum set forth in Section 11.01. Class A Interest Accrual Amount: As to any Distribution Date, the sum of the Interest Accrual Amounts for the Class A Certificates with respect to such Distribution Date. Class A Interest Percentage: As to any Distribution Date and any Class of Class A Certificates, the percentage calculated by dividing the Interest Accrual Amount of such Class (determined without regard to clause (ii) of the definition thereof) by the Class A Interest Accrual Amount (determined without regard to clause (ii) of the definition of Interest Accrual Amount). Class A Interest Shortfall Amount: As to any Distribution Date and any Class of Class A Certificates, any amount by which the Interest Accrual Amount of such Class with respect to such Distribution Date exceeds the amount distributed in respect of such Class on such Distribution Date pursuant to Paragraph first of Section 4.01(a)(i), including, in the case of the Accrual Certificates prior to the Accretion Termination Date, the amount included in the Accrual Distribution Amount pursuant to clause (i) of the definition thereof. Class A Interest Shortfall Percentage: As to any Distribution Date and any Class of Class A Certificates the percentage calculated by dividing the Class A Unpaid Interest Shortfall for such Class by the Aggregate Class A Unpaid Interest Shortfall determined as of the Business Day preceding the applicable Distribution Date. Class A Loss Denominator: As to any Determination Date, an amount equal to the sum of (i) the Principal Balances of the Class A Certificates (other than the Accrual Certificates and the Class A-PO Certificates) and (ii) with respect to the Accrual Certificates, the lesser of the Principal Balance of such Class of Accrual Certificates and the Original Principal Balance of such Class of Accrual Certificates. Class A Loss Percentage: As to any Determination Date and any Class of Class A Certificates (other than the Class A-PO Certificates) then outstanding, the percentage calculated by dividing the Principal Balance of such Class (or, in the case of the Accrual Certificates, the Original Principal Balance of such Class, if lower) by the Class A Loss Denominator (determined without regard to any such Principal Balance of any Class of Class A Certificates not then outstanding), in each case determined as of the preceding Determination Date. Class A Non-PO Optimal Amount: As to any Distribution Date, the sum for such Distribution Date of (i) the Class A Interest Accrual Amount, (ii) the Aggregate Class A Unpaid Interest Shortfall and (iii) the Class A Non-PO Optimal Principal Amount. Class A Non-PO Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum, as to each Outstanding Mortgage Loan, of the product of (x) the Non-PO Fraction with respect to such Mortgage Loan, and (y) the sum of: (i) the Class A Percentage of (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) the Class A Prepayment Percentage of all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Class A Prepayment Percentage of the Scheduled Principal Balance of such Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the Class A Percentage of the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class A Prepayment Percentage of the Non-PO Recovery for such Distribution Date. Class A Non-PO Principal Amount: As to any Distribution Date, the aggregate amount distributed in respect of the Class A Certificates pursuant to Paragraph third clause (A) of Section 4.01(a)(i). Class A Non-PO Principal Balance: As of any date, an amount equal to the Class A Principal Balance less the Principal Balance of the Class A-PO Certificates. Class A Non-PO Principal Distribution Amount: As to any Distribution Date, the sum of (i) the sum of the Accrual Distribution Amounts, if any, with respect to such Distribution Date and (ii) the Class A Non-PO Principal Amount with respect to such Distribution Date. Class A Pass-Through Rate: As to the Class A Certificates (other than the Class A-4, Class A-5, Class A-12, Class A-13 and Class A-PO Certificates), the Class A Fixed Pass-Through Rate. As to the Class A-4 Certificates, the Class A-4 Pass-Through Rate. As to the Class A-5 Certificates, the Class A-5 Pass-Through Rate. As to the Class A-12 Certificates, 5.500% per annum. As to the Class A-13 Certificates, 6.000% per annum. The Class A-PO Certificates are not entitled to interest and have no Class A Pass-Through Rate. Class A Percentage: As to any Distribution Date occurring on or prior to the Subordination Depletion Date, the lesser of (i) 100% and (ii) the percentage obtained by dividing the Class A Non-PO Principal Balance (determined as of the Determination Date preceding such Distribution Date) by the Pool Balance (Non-PO Portion). As to any Distribution Date occurring subsequent to the Subordination Depletion Date, 100% or such lesser percentage which will cause the Class A Non-PO Principal Balance to decline to zero following the distribution made on such Distribution Date. Class A Prepayment Percentage: As to any Distribution Date to and including the Distribution Date in December 2006, 100%. As to any Distribution Date subsequent to December 2006 to and including the Distribution Date in December 2007, the Class A Percentage as of such Distribution Date plus 70% of the Subordinated Percentage as of such Distribution Date. As to any Distribution Date subsequent to December 2007 to and including the Distribution Date in December 2008, the Class A Percentage as of such Distribution Date plus 60% of the Subordinated Percentage as of such Distribution Date. As to any Distribution Date subsequent to December 2008 to and including the Distribution Date in December 2009, the Class A Percentage as of such Distribution Date plus 40% of the Subordinated Percentage as of such Distribution Date. As to any Distribution Date subsequent to December 2009 to and including the Distribution Date in December 2010, the Class A Percentage as of such Distribution Date plus 20% of the Subordinated Percentage as of such Distribution Date. As to any Distribution Date subsequent to December 2010, the Class A Percentage as of such Distribution Date. The foregoing is subject to the following: (i) if the aggregate distribution to the Class A Certificates on any Distribution Date of the Class A Prepayment Percentage provided above of Unscheduled Principal Receipts distributable on such Distribution Date would reduce the Class A Non-PO Principal Balance below zero, the Class A Prepayment Percentage for such Distribution Date shall be the percentage necessary to bring the Class A Non-PO Principal Balance to zero and thereafter the Class A Prepayment Percentage shall be zero and (ii) if the Class A Percentage as of any Distribution Date is greater than the Original Class A Percentage, the Class A Prepayment Percentage for such Distribution Date shall be 100%. Notwithstanding the foregoing, with respect to any Distribution Date on which the following criteria are not met, the reduction of the Class A Prepayment Percentage described in the second through sixth sentences of this definition of Class A Prepayment Percentage shall not be applicable with respect to such Distribution Date. In such event, the Class A Prepayment Percentage for such Distribution Date will be determined in accordance with the applicable provision, as set forth in the first through fifth sentences above, which was actually used to determine the Class A Prepayment Percentage for the Distribution Date occurring in the December preceding such Distribution Date (it being understood that for the purposes of the determination of the Class A Prepayment Percentage for the current Distribution Date, the current Class A Percentage and Subordinated Percentage shall be utilized). No reduction in the Class A Prepayment Percentage referred to in the second through sixth sentences hereof shall be applicable, with respect to any Distribution Date if (a) the average outstanding principal balance on such Distribution Date and for the preceding five Distribution Dates on the Mortgage Loans that were delinquent 60 days or more (including for this purpose any payments due with respect to Mortgage Loans in foreclosure and REO Mortgage Loans) were greater than or equal to 50% of the current Class B Principal Balance or (b) cumulative Realized Losses on the Mortgage Loans exceed (1) 30% of the Original Class B Principal Balance if such Distribution Date occurs between and including January 2007 and December 2007, (2) 35% of the Original Class B Principal Balance if such Distribution Date occurs between and including January 2008 and December 2008, (3) 40% of the Original Class B Principal Balance if such Distribution Date occurs between and including January 2009 and December 2009, (4) 45% of the Original Class B Principal Balance if such Distribution Date occurs between and including January 2010 and December 2010, and (5) 50% of the Original Class B Principal Balance if such Distribution Date occurs during or after January 2011. With respect to any Distribution Date on which the Class A Prepayment Percentage is reduced below the Class A Prepayment Percentage for the prior Distribution Date, the Master Servicer shall certify to the Trustee, based upon information provided by each Servicer as to the Mortgage Loans serviced by it that the criteria set forth in the preceding sentence are met. Class A Principal Balance: As of any date, an amount equal to the sum of the Principal Balances for the Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-8 Certificates, Class A-9 Certificates, Class A-10 Certificates, Class A-11 Certificates, Class A-12 Certificates, Class A-13 Certificates, Class A-14 Certificates, Class A-16 Certificates, Class A-17 Certificates, Class A-18 Certificates, Class A-PO Certificates, Class A-R Certificate and Class A-LR Certificate. Class A Unpaid Interest Shortfall: As to any Distribution Date and any Class of Class A Certificates, the amount, if any, by which the aggregate of the Class A Interest Shortfall Amounts for such Class for prior Distribution Dates is in excess of the amounts distributed in respect of such Class (or in the case of the Accrual Certificates prior to the Accretion Termination Date, the amount included in the Accrual Distribution Amount pursuant to clause (ii) of the definition thereof) on prior Distribution Dates pursuant to Paragraph second of Section 4.01(a)(i). Class A-1 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-1 and Exhibit C hereto. Class A-1 Certificateholder: The registered holder of a Class A-1 Certificate. Class A-2 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-2 and Exhibit C hereto. Class A-2 Certificateholder: The registered holder of a Class A-2 Certificate. Class A-3 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-3 and Exhibit C hereto. Class A-3 Certificateholder: The registered holder of a Class A-3 Certificate. Class A-4 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-4 and Exhibit C hereto. Class A-4 Certificateholder: The registered holder of a Class A-4 Certificate. Class A-4 Pass-Through Rate: With respect to the Distribution Date occurring in January 2002, 2.880% per annum. With respect to each succeeding Distribution Date, a per annum rate, determined by the Trustee on the applicable Rate Determination Date, equal to 0.800% plus LIBOR subject to a minimum rate of 0.800% and a maximum rate of 9.000%. Class A-5 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-5 and Exhibit C hereto. Class A-5 Certificateholder: The registered holder of a Class A-5 Certificate. Class A-5 Pass-Through Rate: With respect to the Distribution Date occurring in January 2002, 15.912% per annum. With respect to each succeeding Distribution Date, a per annum rate, determined by the Trustee on the applicable Rate Determination Date, equal to 21.320% minus the product of 2.60 and LIBOR subject to a minimum rate of 0.000% and a maximum rate of 21.320% Class A-6 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-6 and Exhibit C hereto. Class A-6 Certificateholder: The registered holder of a Class A-6 Certificate. Class A-7 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-7 and Exhibit C hereto. Class A-7 Certificateholder: The registered holder of a Class A-7 Certificate. Class A-7 Loss Amount: With respect to any Determination Date after the Subordination Depletion Date, the amount, if any, by which the Principal Balance of the Class A-7 Certificates would be reduced as a result of the application of the third sentence of the definition of Principal Balance. Class A-8 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-8 and Exhibit C hereto. Class A-8 Certificateholder: The registered holder of a Class A-8 Certificate. Class A-9 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-9 and Exhibit C hereto. Class A-9 Certificateholder: The registered holder of a Class A-9 Certificate. Class A-10 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-10 and Exhibit C hereto. Class A-10 Certificateholder: The registered holder of a Class A-10 Certificate. Class A-11 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-11 and Exhibit C hereto. Class A-11 Certificateholder: The registered holder of a Class A-11 Certificate. Class A-12 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-12 and Exhibit C hereto. Class A-12 Certificateholder: The registered holder of a Class A-12 Certificate. Class A-13 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-13 and Exhibit C hereto. Class A-13 Certificateholder: The registered holder of a Class A-13 Certificate. Class A-14 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-14 and Exhibit C hereto. Class A-14 Certificateholder: The registered holder of a Class A-14 Certificate. Class A-15 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-15 and Exhibit C hereto. Class A-15 Certificateholder: The registered holder of a Class A-15 Certificate. Class A-15 Interest Accrual Amount: As to any Distribution Date, (i) the product of (A) 1/12th of the Class A Pass-Through Rate for the Class A-15 Certificates and (B) the Notional Amount as of such Distribution Date minus (ii) the Class A Interest Percentage of the Class A-15 Certificates of (a) any Non-Supported Interest Shortfall allocated to the Class A Certificates, (b) the interest portion of any Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses allocated to the Class A Certificates with respect to such Distribution Date pursuant to Section 4.02(e) and (c) the interest portion of any Realized Losses (other than Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses) allocated to the Class A Certificates on or after the Subordination Depletion Date pursuant to Section 4.02(e). Class A-16 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-16 and Exhibit C hereto. Class A-16 Certificateholder: The registered holder of a Class A-16 Certificate. Class A-17 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-17 and Exhibit C hereto. Class A-17 Certificateholder: The registered holder of a Class A-17 Certificate. Class A-17 Loss Allocation Amount: With respect to any Determination Date after the Subordination Depletion Date the lesser of (a) the Principal Balance of the Class A-17 Certificates with respect to such Determination Date prior to any reduction for the Class A-17 Loss Allocation Amount and (b) the sum of the Class A-7 Loss Amount and Class A-18 Loss Amount. Class A-18 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-18 and Exhibit C hereto. Class A-18 Certificateholder: The registered holder of a Class A-18 Certificate. Class A-18 Loss Amount: With respect to any Determination Date after the Subordination Depletion Date, the amount, if any, by which the Principal Balance of the Class A-18 Certificates would be reduced as a result of the application of the third sentence of the definition of Principal Balance. Class A-L1 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 4.01(a)(ii) hereof. Class A-L4 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 4.01(a)(ii) hereof. Class A-L12 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 4.01(a)(ii) hereof. Class A-L12 Interest Fraction: A fraction the numerator of which is equal to 15.3846153846% of the Principal Balance of the Class A-12 Certificates and the denominator of which is equal to the Notional Amount. Class A-L13 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 4.01(a)(ii) hereof. Class A-L13 Interest Fraction: A fraction the numerator of which is equal to 7.6923076923% of the Principal Balance of the Class A-13 Certificates and the denominator of which is equal to the Notional Amount. Class A-LPO 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 4.01(a)(ii) hereof. Class A-LR Certificate: The Certificate executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-LR and Exhibit C hereto. Class A-LR Certificateholder: The registered holder of the Class A-LR Certificate. Class A-LUR 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 4.01(a)(ii) hereof. Class A-PO Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-PO and Exhibit C hereto. Class A-PO Certificateholder: The registered holder of a Class A-PO Certificate. Class A-PO Deferred Amount: For any Distribution Date prior to the Subordination Depletion Date, the difference between (A) the sum of (x) the amount by which the sum of the Class A-PO Optimal Principal Amounts for all prior Distribution Dates exceeded the amounts distributed on the Class A-PO Certificates on such prior Distribution Dates pursuant to Paragraph third clause (B) of Section 4.01(a)(i) and (y) the sum of the product for each Discount Mortgage Loan which became a Liquidated Loan at any time on or prior to the last day of the Applicable Unscheduled Principal Receipt Period for Full Unscheduled Principal Receipts for the current Distribution Date of (a) the PO Fraction for such Discount Mortgage Loan and (b) an amount equal to the principal portion of Realized Losses (other than Bankruptcy Losses due to Debt Service Reductions) incurred with respect to such Mortgage Loan other than Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses and (B) the sum of (x) the sum of the Class A-PO Recoveries for such Distribution Date and prior Distribution Dates and (y) amounts distributed on the Class A-PO Certificates on prior Distribution Dates pursuant to Paragraph fourth of Section 4.01(a)(i). On and after the Subordination Depletion Date, the Class A-PO Deferred Amount will be zero. No interest will accrue on any Class A-PO Deferred Amount. Class A-PO Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum as to each Outstanding Mortgage Loan, of the product of (x) the PO Fraction with respect to such Mortgage Loan and (y) the sum of: (i) (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Scheduled Principal Balance of each Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class A-PO Recovery for such Distribution Date. Class A-PO Recovery: As to any Distribution Date prior to the Subordination Depletion Date, the lesser of (a) the Class A-PO Deferred Amount for such Distribution Date (calculated without regard to the Class A-PO Recovery for such Distribution Date) and (b) an amount equal to the sum as to each Mortgage Loan as to which there has been a Recovery during the Applicable Unscheduled Principal Receipt Period, of the product of (x) the PO Fraction with respect to such Mortgage Loan and (y) the amount of the Recovery with respect to such Mortgage Loan. As to any Distribution Date on or after the Subordination Depletion Date, the amount determined in accordance with clause (b) above. Class A-R Certificate: The Certificate executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit A-R and Exhibit C hereto. Class A-R Certificateholder: The registered holder of the Class A-R Certificate. Class B Certificate: Any one of the Class B-1 Certificates, Class B-2 Certificates, Class B-3 Certificates, Class B-4 Certificates, Class B-5 Certificates or Class B-6 Certificates. Class B Certificateholder: The registered holder of a Class B Certificate. Class B Distribution Amount: Any of the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 or Class B-6 Distribution Amounts. Class B Interest Accrual Amount: With respect to any Distribution Date, the sum of the Interest Accrual Amounts for the Classes of Class B Certificates with respect to such Distribution Date. Class B Interest Percentage: With respect to any Distribution Date and any Class of Class B Certificates, the percentage calculated by dividing the Interest Accrual Amount of such Class (determined without regard to clause (ii) of the definition thereof) by the Class B Interest Accrual Amount (determined without regard to clause (ii) of the definition of each Interest Accrual Amount). Class B Interest Shortfall Amount: Any of the Class B-1 Interest Shortfall Amount, Class B-2 Interest Shortfall Amount, Class B-3 Interest Shortfall Amount, Class B-4 Interest Shortfall Amount, Class B-5 Interest Shortfall Amount or Class B-6 Interest Shortfall Amount. Class B Loss Percentage: With respect to any Determination Date and any Class of Class B Certificates then outstanding, the percentage calculated by dividing the Principal Balance of such Class by the Class B Principal Balance (determined without regard to any Principal Balance of any Class of Class B Certificates not then outstanding), in each case determined as of the preceding Determination Date. Class B Pass-Through Rate: As to any Distribution Date, 6.500% per annum. Class B Percentage: Any one of the Class B-1 Percentage, Class B-2 Percentage, Class B-3 Percentage, Class B-4 Percentage, Class B-5 Percentage or Class B-6 Percentage. Class B Prepayment Percentage: Any of the Class B-1 Prepayment Percentage, Class B-2 Prepayment Percentage, Class B-3 Prepayment Percentage, Class B-4 Prepayment Percentage, Class B-5 Prepayment Percentage or Class B-6 Prepayment Percentage. Class B Principal Balance: As of any date, an amount equal to the sum of the Class B-1 Principal Balance, Class B-2 Principal Balance, Class B-3 Principal Balance, Class B-4 Principal Balance, Class B-5 Principal Balance and Class B-6 Principal Balance. Class B Unpaid Interest Shortfall: Any of the Class B-1 Unpaid Interest Shortfall, Class B-2 Unpaid Interest Shortfall, Class B-3 Unpaid Interest Shortfall, Class B-4 Unpaid Interest Shortfall, Class B-5 Unpaid Interest Shortfall or Class B-6 Unpaid Interest Shortfall. Class B-1 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit B-1 and Exhibit C hereto. Class B-1 Certificateholder: The registered holder of a Class B-1 Certificate. Class B-1 Distribution Amount: As to any Distribution Date, any amount distributable to the Holders of the Class B-1 Certificates pursuant to Paragraphs fifth, sixth and seventh of Section 4.01(a)(i). Class B-1 Interest Shortfall Amount: As to any Distribution Date, any amount by which the Interest Accrual Amount of the Class B-1 Certificates with respect to such Distribution Date exceeds the amount distributed in respect of the Class B-1 Certificates on such Distribution Date pursuant to Paragraph fifth of Section 4.01(a)(i). Class B-1 Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum, as to each Outstanding Mortgage Loan, of the product of (x) the Non-PO Fraction with respect to such Mortgage Loan and (y) the sum of: (i) the Class B-1 Percentage of (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) the Class B-1 Prepayment Percentage of all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Class B-1 Prepayment Percentage of the Scheduled Principal Balance of such Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the Class B-1 Percentage of the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class B-1 Prepayment Percentage of the Non-PO Recovery for such Distribution Date; provided, however, that if an Optimal Adjustment Event occurs with respect to such Class and such Distribution Date, the Class B-1 Optimal Principal Amount will equal the lesser of (A) the Class B-1 Optimal Principal Amount calculated as described in the preceding provisions and (B) the Adjusted Principal Balance for the Class B-1 Certificates. Class B-1 Percentage: As to any Distribution Date, the percentage calculated by multiplying the Subordinated Percentage by either (i) if any Class B Certificates (other than the Class B-1 Certificates) are eligible to receive principal distributions for such Distribution Date in accordance with Section 4.01(d), a fraction, the numerator of which is the Class B-1 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d) or (ii) except as set forth in Section 4.01(d)(ii), in the event that the Class B Certificates (other than the Class B-1 Certificates) are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), one. Class B-1 Prepayment Percentage: As to any Distribution Date, the percentage calculated by multiplying the Subordinated Prepayment Percentage by either (i) if any Class B Certificates (other than the Class B-1 Certificates) are eligible to receive principal distributions for such Distribution Date in accordance with Section 4.01(d), a fraction, the numerator of which is the Class B-1 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d) or (ii) except as set forth in Section 4.01(d)(ii), in the event that the Class B Certificates (other than the Class B-1 Certificates) are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), one. Class B-1 Principal Balance: As to the first Determination Date, the Original Class B-1 Principal Balance. As of any subsequent Determination Date, the Original Class B-1 Principal Balance less the sum of (a) all amounts previously distributed in respect of the Class B-1 Certificates on prior Distribution Dates (A) pursuant to Paragraph seventh of Section 4.01(a)(i) and (B) as a result of a Principal Adjustment and (b) the Realized Losses allocated through such Determination Date to the Class B-1 Certificates pursuant to Section 4.02(b); provided, however, if the Class B-1 Certificates are the most subordinate Certificates outstanding, the Class B-1 Principal Balance will equal the difference, if any, between the Adjusted Pool Amount as of the preceding Distribution Date less the Class A Principal Balance as of such Determination Date. Class B-1 Unpaid Interest Shortfall: As to any Distribution Date, the amount, if any, by which the aggregate of the Class B-1 Interest Shortfall Amounts for prior Distribution Dates is in excess of the amounts distributed in respect of the Class B-1 Certificates on prior Distribution Dates pursuant to Paragraph sixth of Section 4.01(a)(i). Class B-2 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit B-2 and Exhibit C hereto. Class B-2 Certificateholder: The registered holder of a Class B-2 Certificate. Class B-2 Distribution Amount: As to any Distribution Date, any amount distributable to the Holders of the Class B-2 Certificates pursuant to Paragraphs eighth, ninth and tenth of Section 4.01(a)(i). Class B-2 Interest Shortfall Amount: As to any Distribution Date, any amount by which the Interest Accrual Amount of the Class B-2 Certificates with respect to such Distribution Date exceeds the amount distributed in respect of the Class B-2 Certificates on such Distribution Date pursuant to Paragraph eighth of Section 4.01(a)(i). Class B-2 Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum, as to each Outstanding Mortgage Loan, of the product of (x) the Non-PO Fraction with respect to such Mortgage Loan and (y) the sum of: (i) the Class B-2 Percentage of (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) the Class B-2 Prepayment Percentage of all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Class B-2 Prepayment Percentage of the Scheduled Principal Balance of such Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the Class B-2 Percentage of the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class B-2 Prepayment Percentage of the Non-PO Recovery for such Distribution Date; provided, however, that if an Optimal Adjustment Event occurs with respect to such Class and such Distribution Date, the Class B-2 Optimal Principal Amount will equal the lesser of (A) the Class B-2 Optimal Principal Amount calculated as described in the preceding provisions and (B) the Adjusted Principal Balance for the Class B-2 Certificates. Class B-2 Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Percentage by (ii) a fraction, the numerator of which is the Class B-2 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-2 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-2 Percentage for such Distribution Date will be zero. Class B-2 Prepayment Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Prepayment Percentage by (ii) a fraction, the numerator of which is the Class B-2 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-2 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-2 Prepayment Percentage for such Distribution Date will be zero. Class B-2 Principal Balance: As to the first Determination Date, the Original Class B-2 Principal Balance. As of any subsequent Determination Date, the Original Class B-2 Principal Balance less the sum of (a) all amounts previously distributed in respect of the Class B-2 Certificates on prior Distribution Dates (A) pursuant to Paragraph tenth of Section 4.01(a)(i) and (B) as a result of a Principal Adjustment and (b) the Realized Losses allocated through such Determination Date to the Class B-2 Certificates pursuant to Section 4.02(b); provided, however, if the Class B-2 Certificates are the most subordinate Certificates outstanding, the Class B-2 Principal Balance will equal the difference, if any, between the Adjusted Pool Amount as of the preceding Distribution Date less the sum of the Class A Principal Balance and the Class B-1 Principal Balance as of such Determination Date. Class B-2 Unpaid Interest Shortfall: As to any Distribution Date, the amount, if any, by which the aggregate of the Class B-2 Interest Shortfall Amounts for prior Distribution Dates is in excess of the amounts distributed in respect of the Class B-2 Certificates on prior Distribution Dates pursuant to Paragraph ninth of Section 4.01(a)(i). Class B-3 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit B-3 and Exhibit C hereto. Class B-3 Certificateholder: The registered holder of a Class B-3 Certificate. Class B-3 Distribution Amount: As to any Distribution Date, any amount distributable to the Holders of the Class B-3 Certificates pursuant to Paragraphs eleventh, twelfth and thirteenth of Section 4.01(a)(i). Class B-3 Interest Shortfall Amount: As to any Distribution Date, any amount by which the Interest Accrual Amount of the Class B-3 Certificates with respect to such Distribution Date exceeds the amount distributed in respect of the Class B-3 Certificates on such Distribution Date pursuant to Paragraph eleventh of Section 4.01(a)(i). Class B-3 Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum, as to each Outstanding Mortgage Loan, of the product of (x) the Non-PO Fraction with respect to such Mortgage Loan and (y) the sum of: (i) the Class B-3 Percentage of (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) the Class B-3 Prepayment Percentage of all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Class B-3 Prepayment Percentage of the Scheduled Principal Balance of such Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the Class B-3 Percentage of the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class B-3 Prepayment Percentage of the Non-PO Recovery for such Distribution Date; provided, however, that if an Optimal Adjustment Event occurs with respect to such Class and such Distribution Date, the Class B-3 Optimal Principal Amount will equal the lesser of (A) the Class B-3 Optimal Principal Amount calculated as described in the preceding provisions and (B) the Adjusted Principal Balance for the Class B-3 Certificates. Class B-3 Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Percentage by (ii) a fraction, the numerator of which is the Class B-3 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-3 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-3 Percentage for such Distribution Date will be zero. Class B-3 Prepayment Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Prepayment Percentage by (ii) a fraction, the numerator of which is the Class B-3 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-3 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-3 Prepayment Percentage for such Distribution Date will be zero. Class B-3 Principal Balance: As to the first Determination Date, the Original Class B-3 Principal Balance. As of any subsequent Determination Date, the Original Class B-3 Principal Balance less the sum of (a) all amounts previously distributed in respect of the Class B-3 Certificates on prior Distribution Dates (A) pursuant to Paragraph thirteenth of Section 4.01(a)(i) and (B) as a result of a Principal Adjustment and (b) the Realized Losses allocated through such Determination Date to the Class B-3 Certificates pursuant to Section 4.02(b); provided, however, if the Class B-3 Certificates are the most subordinate Certificates outstanding, the Class B-3 Principal Balance will equal the difference, if any, between the Adjusted Pool Amount as of the preceding Distribution Date less the sum of the Class A Principal Balance, the Class B-1 Principal Balance and the Class B-2 Principal Balance as of such Determination Date. Class B-3 Unpaid Interest Shortfall: As to any Distribution Date, the amount, if any, by which the aggregate of the Class B-3 Interest Shortfall Amounts for prior Distribution Dates is in excess of the amounts distributed in respect of the Class B-3 Certificates on prior Distribution Dates pursuant to Paragraph twelfth of Section 4.01(a)(i). Class B-4 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit B-4 and Exhibit C hereto. Class B-4 Certificateholder: The registered holder of a Class B-4 Certificate. Class B-4 Distribution Amount: As to any Distribution Date, any amount distributable to the Holders of the Class B-4 Certificates pursuant to Paragraphs fourteenth, fifteenth and sixteenth of Section 4.01(a)(i). Class B-4 Interest Shortfall Amount: As to any Distribution Date, any amount by which the Interest Accrual Amount of the Class B-4 Certificates with respect to such Distribution Date exceeds the amount distributed in respect of the Class B-4 Certificates on such Distribution Date pursuant to Paragraph fourteenth of Section 4.01(a)(i). Class B-4 Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum, as to each Outstanding Mortgage Loan, of the product of (x) the Non-PO Fraction with respect to such Mortgage Loan and (y) the sum of: (i) the Class B-4 Percentage of (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) the Class B-4 Prepayment Percentage of all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Class B-4 Prepayment Percentage of the Scheduled Principal Balance of such Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the Class B-4 Percentage of the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class B-4 Prepayment Percentage of the Non-PO Recovery for such Distribution Date; provided, however, that if an Optimal Adjustment Event occurs with respect to such Class and such Distribution Date, the Class B-4 Optimal Principal Amount will equal the lesser of (A) the Class B-4 Optimal Principal Amount calculated as described in the preceding provisions and (B) the Adjusted Principal Balance for the Class B-4 Certificates. Class B-4 Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Percentage by (ii) a fraction, the numerator of which is the Class B-4 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-4 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-4 Percentage for such Distribution Date will be zero. Class B-4 Prepayment Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Prepayment Percentage by (ii) a fraction, the numerator of which is the Class B-4 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-4 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-4 Prepayment Percentage for such Distribution Date will be zero. Class B-4 Principal Balance: As to the first Determination Date, the Original Class B-4 Principal Balance. As of any subsequent Determination Date, the Original Class B-4 Principal Balance less the sum of (a) all amounts previously distributed in respect of the Class B-4 Certificates on prior Distribution Dates (A) pursuant to Paragraph sixteenth of Section 4.01(a)(i) and (B) as a result of a Principal Adjustment and (b) the Realized Losses allocated through such Determination Date to the Class B-4 Certificates pursuant to Section 4.02(b); provided, however, if the Class B-4 Certificates are the most subordinate Certificates outstanding, the Class B-4 Principal Balance will equal the difference, if any, between the Adjusted Pool Amount as of the preceding Distribution Date less the sum of the Class A Principal Balance, the Class B-1 Principal Balance, the Class B-2 Principal Balance and the Class B-3 Principal Balance as of such Determination Date. Class B-4 Unpaid Interest Shortfall: As to any Distribution Date, the amount, if any, by which the aggregate of the Class B-4 Interest Shortfall Amounts for prior Distribution Dates is in excess of the amounts distributed in respect of the Class B-4 Certificates on prior Distribution Dates pursuant to Paragraph fifteenth of Section 4.01(a)(i). Class B-5 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit B-5 and Exhibit C hereto. Class B-5 Certificateholder: The registered holder of a Class B-5 Certificate. Class B-5 Distribution Amount: As to any Distribution Date, any amount distributable to the Holders of the Class B-5 Certificates pursuant to Paragraphs seventeenth, eighteenth and nineteenth of Section 4.01(a)(i). Class B-5 Interest Shortfall Amount: As to any Distribution Date, any amount by which the Interest Accrual Amount of the Class B-5 Certificates with respect to such Distribution Date exceeds the amount distributed in respect of the Class B-5 Certificates on such Distribution Date pursuant to Paragraph seventeenth of Section 4.01(a)(i). Class B-5 Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum, as to each Outstanding Mortgage Loan, of the product of (x) the Non-PO Fraction with respect to such Mortgage Loan and (y) the sum of: (i) the Class B-5 Percentage of (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) the Class B-5 Prepayment Percentage of all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Class B-5 Prepayment Percentage of the Scheduled Principal Balance of such Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the Class B-5 Percentage of the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class B-5 Prepayment Percentage of the Non-PO Recovery for such Distribution Date; provided, however, that if an Optimal Adjustment Event occurs with respect to such Class and such Distribution Date, the Class B-5 Optimal Principal Amount will equal the lesser of (A) the Class B-5 Optimal Principal Amount calculated as described in the preceding provisions and (B) the Adjusted Principal Balance for the Class B-5 Certificates. Class B-5 Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Percentage by (ii) a fraction, the numerator of which is the Class B-5 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-5 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-5 Percentage for such Distribution Date will be zero. Class B-5 Prepayment Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Prepayment Percentage by (ii) a fraction, the numerator of which is the Class B-5 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-5 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-5 Prepayment Percentage for such Distribution Date will be zero. Class B-5 Principal Balance: As to the first Determination Date, the Original Class B-5 Principal Balance. As of any subsequent Determination Date, the Original Class B-5 Principal Balance less the sum of (a) all amounts previously distributed in respect of the Class B-5 Certificates on prior Distribution Dates (A) pursuant to Paragraph nineteenth of Section 4.01(a)(i) and (B) as a result of a Principal Adjustment and (b) the Realized Losses allocated through such Determination Date to the Class B-5 Certificates pursuant to Section 4.02(b); provided, however, if the Class B-5 Certificates are the most subordinate Certificates outstanding, the Class B-5 Principal Balance will equal the difference, if any, between the Adjusted Pool Amount as of the preceding Distribution Date less the sum of the Class A Principal Balance, the Class B-1 Principal Balance, the Class B-2 Principal Balance, the Class B-3 Principal Balance and the Class B-4 Principal Balance as of such Determination Date. Class B-5 Unpaid Interest Shortfall: As to any Distribution Date, the amount, if any, by which the aggregate of the Class B-5 Interest Shortfall Amounts for prior Distribution Dates is in excess of the amounts distributed in respect of the Class B-5 Certificates on prior Distribution Dates pursuant to Paragraph eighteenth of Section 4.01(a)(i). Class B-6 Certificate: Any one of the Certificates executed by the Trustee and authenticated by the Trustee or the Authenticating Agent in substantially the form set forth in Exhibit B-6 and Exhibit C hereto. Class B-6 Certificateholder: The registered holder of a Class B-6 Certificate. Class B-6 Distribution Amount: As to any Distribution Date, any amount distributable to the Holders of the Class B-6 Certificates pursuant to Paragraphs twentieth, twenty-first and twenty-second of Section 4.01(a)(i). Class B-6 Interest Shortfall Amount: As to any Distribution Date, any amount by which the Interest Accrual Amount of the Class B-6 Certificates with respect to such Distribution Date exceeds the amount distributed in respect of the Class B-6 Certificates on such Distribution Date pursuant to Paragraph twentieth of Section 4.01(a)(i). Class B-6 Optimal Principal Amount: As to any Distribution Date, an amount equal to the sum of (I) the sum, as to each Outstanding Mortgage Loan, of the product of (x) the Non-PO Fraction with respect to such Mortgage Loan and (y) the sum of: (i) the Class B-6 Percentage of (A) the principal portion of the Monthly Payment due on the Due Date occurring in the month of such Distribution Date on such Mortgage Loan, less (B) if the Bankruptcy Loss Amount has been reduced to zero, the principal portion of any Debt Service Reduction with respect to such Mortgage Loan; (ii) the Class B-6 Prepayment Percentage of all Unscheduled Principal Receipts (other than Recoveries) that were received by a Servicer with respect to such Mortgage Loan during the Applicable Unscheduled Principal Receipt Period relating to such Distribution Date for each applicable type of Unscheduled Principal Receipt; (iii) the Class B-6 Prepayment Percentage of the Scheduled Principal Balance of such Mortgage Loan which, during the one month period ending on the day preceding the Determination Date for such Distribution Date, was repurchased by the Seller pursuant to Sections 2.02 or 2.03; and (iv) the Class B-6 Percentage of the excess of the unpaid principal balance of such Mortgage Loan substituted for a Mortgage Loan during the one month period ending on the day preceding the Determination Date for such Distribution Date over the unpaid principal balance of such Mortgage Loan, less the amount allocable to the principal portion of any unreimbursed Periodic Advances previously made by the applicable Servicer, the Master Servicer or the Trustee in respect of such Mortgage Loan; and (II) the Class B-6 Prepayment Percentage of the Non-PO Recovery for such Distribution Date; provided, however, that if an Optimal Adjustment Event occurs with respect to such Class and such Distribution Date, the Class B-6 Optimal Principal Amount will equal the lesser of (A) the Class B-6 Optimal Principal Amount calculated as described in the preceding provisions and (B) the Adjusted Principal Balance for the Class B-6 Certificates. Class B-6 Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Percentage by (ii) a fraction, the numerator of which is the Class B-6 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-6 Certificates are not eligible to receive distributions of principal in accordance with the provisions of Section 4.01(d)(i), the Class B-6 Percentage for such Distribution Date will be zero. Class B-6 Prepayment Percentage: As to any Distribution Date, except as set forth in the next sentence, the percentage calculated by multiplying (i) the Subordinated Prepayment Percentage by (ii) a fraction, the numerator of which is the Class B-6 Principal Balance (determined as of the Determination Date preceding such Distribution Date) and the denominator of which is the sum of the Principal Balances of the Classes of Class B Certificates eligible to receive principal distributions for such Distribution Date in accordance with the provisions of Section 4.01(d). Except as set forth in Section 4.01(d)(ii), in the event that the Class B-6 Certificates are not eligible to receive distributions of principal in accordance with Section 4.01(d)(i), the Class B-6 Prepayment Percentage for such Distribution Date will be zero. Class B-6 Principal Balance: As to the first Determination Date, the Original Class B-6 Principal Balance. As of any subsequent Determination Date, the Original Class B-6 Principal Balance less the sum of (a) all amounts previously distributed in respect of the Class B-6 Certificates on prior Distribution Dates pursuant to Paragraph twenty-second of Section 4.01(a)(i) and (b) the Realized Losses allocated through such Determination Date to the Class B-6 Certificates pursuant to Section 4.02(b); provided, however, if the Class B-6 Certificates are outstanding, the Class B-6 Principal Balance will equal the difference, if any, between the Adjusted Pool Amount as of the preceding Distribution Date less the sum of the Class A Principal Balance, the Class B-1 Principal Balance, the Class B-2 Principal Balance, the Class B-3 Principal Balance, the Class B-4 Principal Balance and the Class B-5 Principal Balance as of such Determination Date. Class B-6 Unpaid Interest Shortfall: As to any Distribution Date, the amount, if any, by which the aggregate of the Class B-6 Interest Shortfall Amounts for prior Distribution Dates is in excess of the amounts distributed in respect of the Class B-6 Certificates on prior Distribution Dates pursuant to Paragraph twenty-first of Section 4.01(a)(i). Class B-L1 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 4.01(a)(ii) hereof. Class B-L2 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 4.01(a)(ii) hereof. Class B-L3 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 4.01(a)(ii) hereof. Class B-L4 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 4.01(a)(ii) hereof. Class B-L5 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 4.01(a)(ii) hereof. Class B-L6 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 4.01(a)(ii) hereof. Clearing Agency: An organization registered as a "clearing agency" pursuant to Section 17A of the Securities Exchange Act of 1934, as amended. The initial Clearing Agency shall be The Depository Trust Company. Clearing Agency Participant: A broker, dealer, bank, financial institution or other Person for whom a Clearing Agency effects book-entry transfers of securities deposited with the Clearing Agency. Closing Date: The date of initial issuance of the Certificates, as set forth in Section 11.21. Code: The Internal Revenue Code of 1986, as it may be amended from time to time, any successor statutes thereto, and applicable U.S. Department of the Treasury temporary or final regulations promulgated thereunder. Compensating Interest: With respect to any Distribution Date, the lesser of (a) the aggregate Prepayment Interest Shortfall on the Mortgage Loans for such Distribution Date, (b) the product of (i) 1/12th of 0.20% and (ii) the Pool Scheduled Principal Balance for such Distribution Date and (c) the Available Master Servicing Compensation for such Distribution Date. 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 corporate trust business shall be administered, which office, at the date of the execution of this instrument, is located at 401 South Tryon Street, Charlotte, North Carolina 28288. Corresponding Upper-Tier Class or Classes: As to the following Uncertificated Lower-Tier Interests, the Corresponding Upper-Tier Class or Classes as follows: Uncertificated Lower-Tier Interest Corresponding Upper-Tier Class or Classes ------------------------- ----------------------------------------- Class A-L1 Interest Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-8 Certificates, Class A-9 Certificates, Class A-10 Certificates, Class A-11 Certificates, Class A-14 Certificates, Class A-16 Certificates, Class A-17 Certificates and Class A-18 Certificates Class A-L4 Interest Class A-4 Certificates and Class A-5 Certificates Class A-L12 Interest Class A-12 Certificates Class A-L13 Interest Class A-13 Certificates Class A-LPO Interest Class A-PO 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 Current Class A Interest Distribution Amount: As to any Distribution Date, the amount distributed in respect of the Class A Certificates pursuant to Paragraph first of Section 4.01(a)(i) on such Distribution Date. Current Class B Interest Distribution Amount: As to any Distribution Date, the amount distributed in respect of the Classes of Class B Certificates pursuant to Paragraphs fifth, eighth, eleventh, fourteenth, seventeenth and twentieth of Section 4.01(a)(i) on such Distribution Date. Current Class B-1 Fractional Interest: As to any Distribution Date subsequent to the first Distribution Date, the percentage obtained by dividing the sum of the Principal Balances of the Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates by the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance. As to the first Distribution Date, the Original Class B-1 Fractional Interest. Current Class B-2 Fractional Interest: As to any Distribution Date subsequent to the first Distribution Date, the percentage obtained by dividing the sum of the Principal Balances of the Class B-3, Class B-4, Class B-5 and Class B-6 Certificates by the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance. As to the first Distribution Date, the Original Class B-2 Fractional Interest. Current Class B-3 Fractional Interest: As to any Distribution Date subsequent to the first Distribution Date, the percentage obtained by dividing the sum of the Principal Balances of the Class B-4, Class B-5 and Class B-6 Certificates by the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance. As to the first Distribution Date, the Original Class B-3 Fractional Interest. Current Class B-4 Fractional Interest: As to any Distribution Date subsequent to the first Distribution Date, the percentage obtained by dividing the sum of the Principal Balances of the Class B-5 and Class B-6 Certificates by the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance. As to the first Distribution Date, the Original Class B-4 Fractional Interest. Current Class B-5 Fractional Interest: As to any Distribution Date subsequent to the first Distribution Date, the percentage obtained by dividing the Principal Balance of the Class B-6 Certificates by the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance. As to the first Distribution Date, the Original Class B-5 Fractional Interest. Curtailment: Any Principal Prepayment made by a Mortgagor which is not a Prepayment in Full. Custodial Agreement: The Custodial Agreement, if any, from time to time in effect between the Custodian named therein, the Seller, the Master Servicer and the Trustee, substantially in the form of Exhibit E hereto, as the same may be amended or modified from time to time in accordance with the terms thereof. Custodial P&I Account: The Custodial P&I Account, as defined in each of the Servicing Agreements, with respect to the Mortgage Loans. In determining whether the Custodial P&I Account under any Servicing Agreement is "acceptable" to the Master Servicer (as may be required by the definition of "Eligible Account" contained in the Servicing Agreements), the Master Servicer shall require that any such account shall be acceptable to each of the Rating Agencies. Custodian: Initially, the Trustee, and thereafter the Custodian, if any, hereafter appointed by the Trustee pursuant to Section 8.13, or its successor in interest under the Custodial Agreement. The Custodian may (but need not) be the Trustee or any Person directly or indirectly controlling or controlled by or under common control of the Trustee. Neither a Servicer, nor the Seller nor the Master Servicer nor any Person directly or indirectly controlling or controlled by or under common control with any such Person may be appointed Custodian. Cut-Off Date: The first day of the month of initial issuance of the Certificates as set forth in Section 11.02. Cut-Off Date Aggregate Principal Balance: The aggregate of the Cut-Off Date Principal Balances of the Mortgage Loans is as set forth in Section 11.03. Cut-Off Date Principal Balance: As to each Mortgage Loan, its unpaid principal balance as of the close of business on the Cut-Off Date (but without giving effect to any Unscheduled Principal Receipts received or applied on the Cut-Off Date), reduced by all payments of principal due on or before the Cut-Off Date and not paid, and increased by scheduled monthly payments of principal due after the Cut-Off Date but received by the related Servicer on or before the Cut-Off Date. Debt Service Reduction: With respect to any Mortgage Loan, a reduction in the scheduled Monthly Payment for such Mortgage Loan by a court of competent jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction constituting a Deficient Valuation. Deficient Valuation: With respect to any Mortgage Loan, a valuation by a court of competent jurisdiction of the Mortgaged Property in an amount less than the then-outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any scheduled Monthly Payment that results in a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code. Definitive Certificates: As defined in Section 5.01(b). Denomination: The amount, if any, specified on the face of each Certificate (other than the Class A-15 Certificates) representing the principal portion of the Cut-Off Date Aggregate Principal Balance evidenced by such Certificate. As to the Class A-15 Certificates, the amount specified on the face of each such Certificate representing the portion of the Original Notional Amount. Determination Date: The 17th day of the month in which the related Distribution Date occurs, or if such 17th day is not a Business Day, the Business Day preceding such 17th day. Discount Mortgage Loan: A Mortgage Loan with a Net Mortgage Interest Rate of less than 6.500%. Distribution Date: The 25th day of any month, beginning in the month following the month of initial issuance of the Certificates, or if such 25th day is not a Business Day, the Business Day following such 25th day. Due Date: With respect to any Mortgage Loan, the day of the month in which the Monthly Payment on such Mortgage Loan is scheduled to be paid. Eligible Account: One or more accounts (i) that are maintained with a depository institution (which may be the Master Servicer) whose long-term debt obligations (or, in the case of a depository institution which is part of a holding company structure, the long-term debt obligations of such parent holding company) at the time of deposit therein are rated at least "AA" (or the equivalent) by each of the Rating Agencies, (ii) the deposits in which are fully insured by the FDIC through either the Bank Insurance Fund or the Savings Association Insurance Fund, (iii) the deposits in which are insured by the FDIC through either the Bank Insurance Fund or the Savings Association Insurance Fund (to the limit established by the FDIC) and the uninsured deposits in which accounts are otherwise secured, as evidenced by an Opinion of Counsel delivered to the Trustee, such that the Trustee, on behalf of the Certificateholders has a claim with respect to the funds in such accounts or a perfected first security interest against any collateral securing such funds that is superior to claims of any other depositors or creditors of the depository institution with which such accounts are maintained, (iv) that are trust accounts maintained with the trust department of a federal or state chartered depository institution or trust company acting in its fiduciary capacity or (v) such other account that is acceptable to each of the Rating Agencies and would not cause the Trust Estate to fail to qualify as two separate REMICs or result in the imposition of any federal tax on either of the Upper-Tier REMIC or the Lower-Tier REMIC. Eligible Investments: At any time, any one or more of the following obligations and securities which shall mature not later than the Business Day preceding the Distribution Date next succeeding the date of such investment, provided that such investments continue to qualify as "cash flow investments" as defined in Code Section 860G(a)(6): (i) obligations of the United States of America or any agency thereof, provided such obligations are backed by the full faith and credit of the United States of America; (ii) general obligations of or obligations guaranteed by any state of the United States of America or the District of Columbia receiving the highest short-term or highest long-term rating of each Rating Agency, or such lower rating as would not result in the downgrading or withdrawal of the rating then assigned to any of the Certificates by either Rating Agency or result in any of such rated Certificates being placed on credit review status (other than for possible upgrading) by either Rating Agency; (iii) commercial or finance company paper which is then rated in the highest long-term commercial or finance company paper rating category of each Rating Agency or the highest short-term rating category of each Rating Agency, or such lower rating category as would not result in the downgrading or withdrawal of the rating then assigned to any of the Certificates by either Rating Agency or result in any of such rated Certificates being placed on credit review status (other than for possible upgrading) by either Rating Agency; (iv) certificates of deposit, demand or time deposits, federal funds or banker's acceptances issued by any depository institution or trust company incorporated under the laws of the United States or of any state thereof and subject to supervision and examination by federal and/or state banking authorities, provided that the commercial paper and/or debt obligations of such depository institution or trust company (or in the case of the principal depository institution in a holding company system, the commercial paper or debt obligations of such holding company) are then rated in the highest short-term or the highest long-term rating category for such securities of each of the Rating Agencies, or such lower rating categories as would not result in the downgrading or withdrawal of the rating then assigned to any of the Certificates by either Rating Agency or result in any of such rated Certificates being placed on credit review status (other than for possible upgrading) by either Rating Agency; (v) guaranteed reinvestment agreements issued by any bank, insurance company or other corporation acceptable to each Rating Agency at the time of the issuance of such agreements; (vi) repurchase agreements on obligations with respect to any security described in clauses (i) or (ii) above or any other security issued or guaranteed by an agency or instrumentality of the United States of America, in either case entered into with a depository institution or trust company (acting as principal) described in (iv) above; (vii) securities (other than stripped bonds or stripped coupon securities) bearing interest or sold at a discount issued by any corporation incorporated under the laws of the United States of America or any state thereof which, at the time of such investment or contractual commitment providing for such investment, are then rated in the highest short-term or the highest long-term rating category by each Rating Agency, or in such lower rating category as would not result in the downgrading or withdrawal of the rating then assigned to any of the Certificates by either Rating Agency or result in any of such rated Certificates being placed on credit review status (other than for possible upgrading) by either Rating Agency; (viii) such other investments acceptable to each Rating Agency as would not result in the downgrading of the rating then assigned to the Certificates by either Rating Agency or result in any of such rated Certificates being placed on credit review status (other than for possible upgrading) by either Rating Agency; and (ix) any mutual fund, money market fund, common trust fund or other pooled investment vehicle, the assets of which are limited to instruments that otherwise would constitute Eligible Investments hereunder, including any such fund that is managed by the Trustee or any affiliate of the Trustee or for which the Trustee or any of its affiliates acts as an adviser as long as such fund is rated in at least the highest rating category by each Rating Agency. In no event shall an instrument be an Eligible Investment if such instrument evidences either (i) a right to receive only interest payments with respect to the obligations underlying such instrument, or (ii) both principal and interest payments derived from obligations underlying such instrument and the interest and principal payments with respect to such instrument provide a yield to maturity at the date of investment of greater than 120% of the yield to maturity at par of such underlying obligations. ERISA: The Employee Retirement Income Security Act of 1974, as amended. ERISA Prohibited Holder: As defined in Section 5.02(d). Errors and Omissions Policy: As defined in each of the Servicing Agreements. Event of Default: Any of the events specified in Section 7.01. Excess Bankruptcy Loss: With respect to any Distribution Date and any Mortgage Loan as to which a Bankruptcy Loss is realized in the period corresponding to the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date, (i) if the Aggregate Current Bankruptcy Losses with respect to such Distribution Date exceed the then-applicable Bankruptcy Loss Amount, then the portion of such Bankruptcy Loss represented by the ratio of (a) the excess of the Aggregate Current Bankruptcy Losses over the then-applicable Bankruptcy Loss Amount, divided by (b) the Aggregate Current Bankruptcy Losses or (ii) if the Aggregate Current Bankruptcy Losses with respect to such Distribution Date are less than or equal to the then-applicable Bankruptcy Loss Amount, then zero. In addition, any Bankruptcy Loss occurring with respect to a Mortgage Loan on or after the Subordination Depletion Date will be an Excess Bankruptcy Loss. Excess Fraud Loss: With respect to any Distribution Date and any Mortgage Loan as to which a Fraud Loss is realized and as to which Liquidation Proceeds were received during the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date, (i) if the Aggregate Current Fraud Losses with respect to such Distribution Date exceed the then-applicable Fraud Loss Amount, then the portion of such Fraud Loss represented by the ratio of (a) the excess of the Aggregate Current Fraud Losses over the then-applicable Fraud Loss Amount, divided by (b) the Aggregate Current Fraud Losses, or (ii) if the Aggregate Current Fraud Losses with respect to such Distribution Date are less than or equal to the then-applicable Fraud Loss Amount, then zero. In addition, any Fraud Loss occurring with respect to a Mortgage Loan on or after the Subordination Depletion will be an Excess Fraud Loss. Excess Special Hazard Loss: With respect to any Distribution Date and any Mortgage Loan as to which a Special Hazard Loss is realized and as to which Liquidation Proceeds were received during the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date, (i) if the Aggregate Current Special Hazard Losses with respect to such Distribution Date exceed the then-applicable Special Hazard Loss Amount, then the portion of such Special Hazard Loss represented by the ratio of (a) the excess of the Aggregate Current Special Hazard Losses over the then-applicable Special Hazard Loss Amount, divided by (b) the Aggregate Current Special Hazard Losses, or (ii) if the Aggregate Current Special Hazard Losses with respect to such Distribution Date are less than or equal to the then-applicable Special Hazard Loss Amount, then zero. In addition, any Special Hazard Loss occurring with respect to a Mortgage Loan on or after the Subordination Depletion Date will be an Excess Special Hazard Loss. FDIC: The Federal Deposit Insurance Corporation or any successor thereto. Fidelity Bond: As defined in each of the Servicing Agreements. Final Distribution Date: The Distribution Date on which the final distribution in respect of the Certificates is made pursuant to Section 9.01. Final Scheduled Maturity Date: The Final Scheduled Maturity Date for each Class of Class A Certificates is January 25, 2032, which corresponds to the "latest possible maturity date" for purposes of Section 860G(a)(1) of the Internal Revenue Code of 1986, as amended. Fitch: Fitch, Inc., or its successors in interest. Fixed Retained Yield: The fixed percentage of interest on each Mortgage Loan with a Mortgage Interest Rate greater than the sum of (a) 6.500%, (b) the applicable Servicing Fee Rate and (c) the Master Servicing Fee Rate, which will be determined on a loan by loan basis and will equal the Mortgage Interest Rate on each Mortgage Loan minus the sum of (a), (b) and (c), which is not assigned to and not part of the Trust Estate. Fixed Retained Yield Rate: With respect to each Mortgage Loan, a per annum rate equal to the greater of (a) zero and (b) the Mortgage Interest Rate on such Mortgage Loan minus the sum of (i) 6.500%, (ii) the applicable Servicing Fee Rate and (iii) the Master Servicing Fee Rate. Fraud Loss: A Liquidated Loan Loss as to which there was fraud in the origination of such Mortgage Loan. Fraud Loss Amount: As of any Distribution Date after the Cut-Off Date an amount equal to: (X) prior to the first anniversary of the Cut-Off Date an amount equal to $18,009,742.66 minus the aggregate amount of Fraud Losses allocated solely to the Class B Certificates in accordance with Section 4.02(a) since the Cut-Off Date, and (Y) from the first through fifth anniversary of the Cut-Off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-Off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-Off Date minus (2) the Fraud Losses allocated solely to the Class B Certificates in accordance with Section 4.02(a) since the most recent anniversary of the Cut-Off Date. On and after the Subordination Depletion or after the fifth anniversary of the Cut-Off Date the Fraud Loss Amount shall be zero. Full Unscheduled Principal Receipt: Any Unscheduled Principal Receipt with respect to a Mortgage Loan (i) in the amount of the outstanding principal balance of such Mortgage Loan and resulting in the full satisfaction of such Mortgage Loan or (ii) representing Liquidation Proceeds other than Partial Liquidation Proceeds. Holder: See "Certificateholder." Independent: When used with respect to any specified Person, such Person who (i) is in fact independent of the Seller, the Master Servicer and any Servicer, (ii) does not have any direct financial interest or any material indirect financial interest in the Seller or the Master Servicer or any Servicer or in an affiliate of either, and (iii) is not connected with the Seller, the Master Servicer or any Servicer as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. Insurance Policy: Any insurance or performance bond relating to a Mortgage Loan or the Mortgage Loans, including any hazard insurance, special hazard insurance, flood insurance, primary mortgage insurance, mortgagor bankruptcy bond or title insurance. Insurance Proceeds: Proceeds paid by any insurer pursuant to any Insurance Policy covering a Mortgage Loan. Insured Expenses: Expenses covered by any Insurance Policy covering a Mortgage Loan. Interest Accrual Amount: As to any Distribution Date and any Class of Class A Certificates (other than the Class A-15 and Class A-PO Certificates), (i) the product of (a) 1/12th of the Class A Pass-Through Rate for such Class and (b) the Principal Balance of such Class as of the Determination Date immediately preceding such Distribution Date minus (ii) the Class A Interest Percentage of such Class of (a) any Non-Supported Interest Shortfall allocated to the Class A Certificates with respect to such Distribution Date, (b) the interest portion of any Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses allocated to the Class A Certificates with respect to such Distribution Date pursuant to Section 4.02(e) and (c) the interest portion of any Realized Losses (other than Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses) allocated to the Class A Certificates on or after the Subordination Depletion Date pursuant to Section 4.02(e). As to any Distribution Date and the Class A-15 Certificates, the Class A-15 Interest Accrual Amount. The Class A-PO Certificates have no Interest Accrual Amount. As to any Distribution Date and any Class of Class B Certificates, an amount equal to (i) the product of 1/12th of the Class B Pass-Through Rate and the Principal Balance of such Class as of the Determination Date preceding such Distribution Date minus (ii) the Class B Interest Percentage of such Class of (x) any Non-Supported Interest Shortfall allocated to the Class B Certificates with respect to such Distribution Date and (y) the interest portion of any Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses allocated to the Class B Certificates with respect to such Distribution Date pursuant to Section 4.02(e). LIBOR: As to any Distribution Date, the arithmetic mean of the London Interbank offered rate quotations for one month U.S. dollar deposits, as determined by the Trustee on the related Rate Determination Date in accordance with Section 4.07. LIBOR Business Day: Any Business Day on which banks are open for dealing in foreign currency and exchange in London, England, the City of New York and Charlotte, North Carolina. LIBOR Certificates: Any of the Class A-4 and Class A-5 Certificates Liquidated Loan: A Mortgage Loan with respect to which the related Mortgaged Property has been acquired, liquidated or foreclosed and with respect to which the applicable Servicer determines that all Liquidation Proceeds which it expects to recover have been recovered. Liquidated Loan Loss: With respect to any Distribution Date, the aggregate of the amount of losses with respect to each Mortgage Loan which became a Liquidated Loan during the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date, equal to the excess of (i) the unpaid principal balance of each such Liquidated Loan, plus accrued interest thereon in accordance with the amortization schedule at the time applicable thereto at the applicable Net Mortgage Interest Rate from the Due Date as to which interest was last paid with respect thereto through the last day of the month preceding the month in which such Distribution Date occurs, over (ii) Net Liquidation Proceeds with respect to such Liquidated Loan. Liquidation Expenses: Expenses incurred by a Servicer in connection with the liquidation of any defaulted Mortgage Loan or property acquired in respect thereof (including, without limitation, legal fees and expenses, committee or referee fees, and, if applicable, brokerage commissions and conveyance taxes), any unreimbursed advances expended by such Servicer pursuant to its Servicing Agreement or the Master Servicer or Trustee pursuant hereto respecting the related Mortgage Loan, including any unreimbursed advances for real property taxes or for property restoration or preservation of the related Mortgaged Property. Liquidation Expenses shall not include any previously incurred expenses in respect of an REO Mortgage Loan which have been netted against related REO Proceeds. Liquidation Proceeds: Amounts received by a Servicer (including Insurance Proceeds) or PMI Advances made by a Servicer in connection with the liquidation of defaulted Mortgage Loans or property acquired in respect thereof, whether through foreclosure, sale or otherwise, including payments in connection with such Mortgage Loans received from the Mortgagor, other than amounts required to be paid to the Mortgagor pursuant to the terms of the applicable Mortgage or to be applied otherwise pursuant to law. Liquidation Profits: As to any Distribution Date and any Mortgage Loan that became a Liquidated Loan during the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date, the excess, if any, of (i) Net Liquidation Proceeds in respect of such Liquidated Loan over (ii) the unpaid principal balance of such Liquidated Loan plus accrued interest thereon in accordance with the amortization schedule at the time applicable thereto at the applicable Net Mortgage Interest Rate from the Due Date to which interest was last paid with respect thereto through the last day of the month preceding the month in which such Distribution Date occurs. Loan-to-Value Ratio: The ratio, expressed as a percentage, the numerator of which is the principal balance of a particular Mortgage Loan at origination and the denominator of which is the lesser of (x) the appraised value of the related Mortgaged Property determined in the appraisal used by the originator at the time of origination of such Mortgage Loan, and (y) if the Mortgage is originated in connection with a sale of the Mortgaged Property, the sale price for such Mortgaged Property. Lockout Group: The Class A-10, Class A-11, Class A-16, Class A-17 and Class A-18 Certificates. Lower-Tier Distribution Amount: As defined in Section 4.01(a)(ii). Lower-Tier REMIC: One of two separate REMICs comprising the Trust Estate, the assets of which consist of the Mortgage Loans (other than Fixed Retained Yield), such amounts as shall from time to time be held in the Certificate Account (other than Fixed Retained Yield), 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. Master Servicer: Wells Fargo Bank Minnesota, National Association, or its successor in interest. Master Servicing Fee: With respect to any Mortgage Loan and any Distribution Date, the fee payable monthly to the Master Servicer pursuant to Section 6.05 equal to a fixed percentage (expressed as a per annum rate) of the unpaid principal balance of such Mortgage Loan. Master Servicing Fee Rate: As set forth in Section 11.26. MERS: As defined in Section 2.01. Mid-Month Receipt Period: With respect to each Distribution Date, the one month period beginning on the Determination Date (or, in the case of the first Distribution Date, from and including the Cut-Off-Date) occurring in the calendar month preceding the month in which such Distribution Date occurs and ending on the day preceding the Determination Date immediately preceding such Distribution Date. Month End Interest: As defined in each Servicing Agreement. Monthly Payment: As to any Mortgage Loan (including any REO Mortgage Loan) and any Due Date, the payment of principal and interest due thereon in accordance with the amortization schedule at the time applicable thereto (after adjustment for any Curtailments and Deficient Valuations occurring prior to such Due Date but before any adjustment to such amortization schedule, other than for Deficient Valuations, by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period). Mortgage: The mortgage, deed of trust or other instrument creating a first lien on Mortgaged Property securing a Mortgage Note together with any Mortgage Loan Rider, if applicable. Mortgage Interest Rate: As to any Mortgage Loan, the per annum rate at which interest accrues on the unpaid principal balance thereof as set forth in the related Mortgage Note, which rate is as indicated on the Mortgage Loan Schedule. Mortgage Loan Purchase Agreement: The mortgage loan purchase agreement dated as of December 21, 2001 between WFHM, as seller, and the Seller, as purchaser. Mortgage Loan Rider: The standard Fannie Mae/Freddie Mac riders to the Mortgage Note and/or Mortgage riders required when the Mortgaged Property is a condominium unit or a unit in a planned unit development. Mortgage Loan Schedule: The list of the Mortgage Loans transferred to the Trustee on the Closing Date as part of the Trust Estate and attached hereto as Exhibits F-1, F-2 and F-3, which list may be amended following the Closing Date upon conveyance of a Substitute Mortgage Loan pursuant to Sections 2.02, 2.03 or 2.06 and which list shall set forth at a minimum the following information of the close of business on the Cut-Off Date (or, with respect to Substitute Mortgage Loans, as of the close of business on the day of substitution) as to each Mortgage Loan: (i) the Mortgage Loan identifying number; (ii) the city, state and zip code of the Mortgaged Property; (iii) the type of property; (iv) the Mortgage Interest Rate; (v) the Net Mortgage Interest Rate; (vi) the Monthly Payment; (vii) the original number of months to maturity; (viii) the scheduled maturity date; (ix) the Cut-Off Date Principal Balance; (x) the Loan-to-Value Ratio at origination; (xi) whether such Mortgage Loan is a Subsidy Loan; (xii) whether such Mortgage Loan is covered by primary mortgage insurance; (xiii) the applicable Servicing Fee Rate; (xiv) the Master Servicing Fee Rate; (xv) Fixed Retained Yield Rate, if applicable; and (xvi) for each Other Servicer Mortgage Loan, the name of the Servicer with respect thereto. Such schedule may consist of multiple reports that collectively set forth all of the information required. Mortgage Loans: Each of the mortgage loans transferred and assigned to the Trustee on the Closing Date pursuant to Section 2.01 and any mortgage loans substituted therefor pursuant to Sections 2.02, 2.03 or 2.06, in each case as from time to time are included in the Trust Estate as identified in the Mortgage Loan Schedule. Mortgage Note: The note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan together with any related Mortgage Loan Riders, if applicable. Mortgaged Property: The property subject to a Mortgage, which may include Co-op Shares or residential long-term leases. Mortgagor: The obligor on a Mortgage Note. Net Liquidation Proceeds: As to any defaulted Mortgage Loan, Liquidation Proceeds net of Liquidation Expenses. Net Mortgage Interest Rate: With respect to each Mortgage Loan, a rate equal to (i) the Mortgage Interest Rate on such Mortgage Loan minus (ii) the sum of (a) the Servicing Fee Rate, as set forth in Section 11.25 with respect to such Mortgage Loan, (b) the Master Servicing Fee Rate, as set forth in Section 11.26 with respect to such Mortgage Loan and (c) the Fixed Retained Yield Rate, if any, with respect to such Mortgage Loan. Any regular monthly computation of interest at such rate shall be based upon annual interest at such rate on the applicable amount divided by twelve. Net REO Proceeds: As to any REO Mortgage Loan, REO Proceeds net of any related expenses of the Servicer. Non-permitted Foreign Holder: As defined in Section 5.02(d). Non-PO Fraction: With respect to any Mortgage Loan, the lesser of (i) 1.00 and (ii) the quotient obtained by dividing the Net Mortgage Interest Rate for such Mortgage Loan by 6.500%. Non-PO Recovery: As to any Distribution Date, the amount of all Recoveries received during the Applicable Unscheduled Principal Receipt Periods for such Distribution Date less the Class A-PO Recovery for such Distribution Date. Nonrecoverable Advance: Any portion of a Periodic Advance previously made or proposed to be made in respect of a Mortgage Loan which has not been previously reimbursed to the Servicer, the Master Servicer or the Trustee, as the case may be, and which the Servicer, the Master Servicer or the Trustee determines will not, or in the case of a proposed Periodic Advance would not, be ultimately recoverable from Liquidation Proceeds or other recoveries in respect of the related Mortgage Loan. The determination by the Servicer, the Master Servicer or the Trustee (i) that it has made a Nonrecoverable Advance or (ii) that any proposed Periodic Advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by an Officer's Certificate of the Servicer delivered to the Master Servicer for redelivery to the Trustee or, in the case of a Master Servicer determination, an Officer's Certificate of the Master Servicer or delivered to the Trustee, in each case detailing the reasons for such determination. Non-Supported Interest Shortfall: With respect to any Distribution Date, the excess, if any, of the aggregate Prepayment Interest Shortfall on the Mortgage Loans over the aggregate Compensating Interest with respect to such Distribution Date. With respect to each Distribution Date occurring on or after the Subordination Depletion Date, the Non-Supported Interest Shortfall determined pursuant to the preceding sentence will be increased by the amount of any Subordination Depletion Date Interest Shortfall for such Distribution Date. Any Non-Supported Interest Shortfall will be allocated to (a) the Class A Certificates according to the percentage obtained by dividing the Class A Non-PO Principal Balance by the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance and (b) the Class B Certificates according to the percentage obtained by dividing the Class B Principal Balance by the sum of the Class A Non-PO Principal Balance and the Class B Principal Balance. Non-U.S. Person: As defined in Section 4.01(g). Notional Amount: As to any Distribution Date, an amount equal to the sum of 15.3846153846% of the Principal Balance of the Class A-12 Certificates and 7.6923076923% of the Principal Balance of the Class A-13 Certificates. Officers' Certificate: With respect to any Person, a certificate signed by the Chairman of the Board, the President or a Vice President, and by the Treasurer, the Secretary or one of the Assistant Treasurers or Assistant Secretaries of such Person (or, in the case of a Person which is not a corporation, signed by the person or persons having like responsibilities), and delivered to the Trustee. Opinion of Counsel: A written opinion of counsel, who may be outside or salaried counsel for the Seller, a Servicer or the Master Servicer, or any affiliate of the Seller, a Servicer or the Master Servicer, acceptable to the Trustee if such opinion is to be delivered to the Trustee; provided, however, that with respect to REMIC matters, matters relating to the determination of Eligible Accounts or matters relating to transfers of Certificates, such counsel shall be Independent. Optimal Adjustment Event: With respect to any Class of Class B Certificates and any Distribution Date, an Optimal Adjustment Event will occur with respect to such Class if: (i) the Principal Balance of such Class on the Determination Date succeeding such Distribution Date would have been reduced to zero (regardless of whether such Principal Balance was reduced to zero as a result of principal distribution or the allocation of Realized Losses) and (ii) (a) the Principal Balance of any Class of Class A Certificates would be subject to further reduction as a result of the third or sixth sentences of the definition of Principal Balance or (b) the Principal Balance of a Class of Class B Certificates with a lower numerical designation would be reduced with respect to such Distribution Date as a result of the application of the proviso in the definition of Class B-1 Principal Balance, Class B-2 Principal Balance, Class B-3 Principal Balance, Class B-4 Principal Balance, Class B-5 Principal Balance or Class B-6 Principal Balance. Original Class A Non-PO Principal Balance: The sum of the Original Principal Balances of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-16, Class A-17, Class A-18, Class A-R and Class A-LR Certificates, as set forth in Section 11.06. Original Class A Percentage: The Class A Percentage as of the Cut-Off Date, as set forth in Section 11.04. Original Class B Principal Balance: The sum of the Original Class B-1 Principal Balance, Original Class B-2 Principal Balance, Original Class B-3 Principal Balance, Original Class B-4 Principal Balance, Original Class B-5 Principal Balance and Original Class B-6 Principal Balance, as set forth in Section 11.14. Original Class B-1 Fractional Interest: As to the first Distribution Date, the percentage obtained by dividing the sum of the Original Class B-2 Principal Balance, the Original Class B-3 Principal Balance, the Original Class B-4 Principal Balance, Original Class B-5 Principal Balance and the Original Class B-6 Principal Balance by the sum of the Original Class A Non-PO Principal Balance and the Original Class B Principal Balance. The Original Class B-1 Fractional Interest is specified in Section 11.16. Original Class B-2 Fractional Interest: As to the first Distribution Date, the percentage obtained by dividing the sum of the Original Class B-3 Principal Balance, the Original Class B-4 Principal Balance, Original Class B-5 Principal Balance and the Original Class B-6 Principal Balance by the sum of the Original Class A Non-PO Principal Balance and the Original Class B Principal Balance. The Original Class B-2 Fractional Interest is specified in Section 11.17. Original Class B-3 Fractional Interest: As to the first Distribution Date, the percentage obtained by dividing the sum of the Original Class B-4 Principal Balance, the Original Class B-5 Principal Balance and the Original Class B-6 Principal Balance by the sum of the Original Class A Non-PO Principal Balance and the Original Class B Principal Balance. The Original Class B-3 Fractional Interest is specified in Section 11.18. Original Class B-4 Fractional Interest: As to the first Distribution Date, the percentage obtained by dividing the sum of the Original Class B-5 Principal Balance and the Original Class B-6 Principal Balance by the sum of the Original Class A Non-PO Principal Balance and the Original Class B Principal Balance. The Original Class B-4 Fractional Interest is specified in Section 11.19. Original Class B-5 Fractional Interest: As to the first Distribution Date, the percentage obtained by dividing the Original Class B-6 Principal Balance by the sum of the Original Class A Non-PO Principal Balance and the Original Class B Principal Balance. The Original Class B-5 Fractional Interest is specified in Section 11.20. Original Class B-1 Percentage: The Class B-1 Percentage as of the Cut-Off Date, as set forth in Section 11.08. Original Class B-2 Percentage: The Class B-2 Percentage as of the Cut-Off Date, as set forth in Section 11.09. Original Class B-3 Percentage: The Class B-3 Percentage as of the Cut-Off Date, as set forth in Section 11.10. Original Class B-4 Percentage: The Class B-4 Percentage as of the Cut-Off Date, as set forth in Section 11.11. Original Class B-5 Percentage: The Class B-5 Percentage as of the Cut-Off Date, as set forth in Section 11.12. Original Class B-6 Percentage: The Class B-6 Percentage as of the Cut-Off Date, as set forth in Section 11.13. Original Class B-1 Principal Balance: The Class B-1 Principal Balance as of the Cut-Off Date, as set forth in Section 11.15. Original Class B-2 Principal Balance: The Class B-2 Principal Balance as of the Cut-Off Date, as set forth in Section 11.15. Original Class B-3 Principal Balance: The Class B-3 Principal Balance as of the Cut-Off Date, as set forth in Section 11.15. Original Class B-4 Principal Balance: The Class B-4 Principal Balance as of the Cut-Off Date, as set forth in Section 11.15. Original Class B-5 Principal Balance: The Class B-5 Principal Balance as of the Cut-Off Date, as set forth in Section 11.15. Original Class B-6 Principal Balance: The Class B-6 Principal Balance as of the Cut-Off Date, as set forth in Section 11.15. Original Notional Amount: The Original Notional Amount, as set forth in Section 11.05(a). Original Principal Balance: Any of the Original Principal Balances of the Classes of Class A Certificates as set forth in Section 11.05; the Original Class B-1 Principal Balance, Original Class B-2 Principal Balance, Original Class B-3 Principal Balance, Original Class B-4 Principal Balance, Original Class B-5 Principal Balance or Original Class B-6 Principal Balance as set forth in Section 11.15. Original Subordinated Percentage: The Subordinated Percentage as of the Cut-Off Date, as set forth in Section 11.07. Other Servicer: Any of the Servicers other than WFHM. Other Servicer Mortgage Loan: Any of the Mortgage Loans, if any, identified in Exhibit F-3 hereto, as such Exhibit may be amended from time to time in connection with a substitution pursuant to Sections 2.02 or 2.06, which Mortgage Loan is serviced under an Other Servicing Agreement. Other Servicing Agreements: The Servicing Agreements other than the WFHM Servicing Agreement. Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan (including an REO Mortgage Loan) which was not the subject of a Full Unscheduled Principal Receipt prior to such Due Date and which was not repurchased by the Seller prior to such Due Date pursuant to Sections 2.02 or 2.03. Owner Mortgage Loan File: A file maintained by the Trustee (or the Custodian, if any) for each Mortgage Loan that contains the documents specified in the Servicing Agreements under their respective "Owner Mortgage Loan File" definition or similar definition and/or other provisions requiring delivery of specified documents to the owner of the Mortgage Loan in connection with the purchase thereof, and any additional documents required to be added to the Owner Mortgage Loan File pursuant to this Agreement. PAC Certificates: The Class A-12, Class A-13 and Class A-14 Certificates. PAC Group: The Class A-12, Class A-13 and Class A-14 Certificates. PAC Principal Amount: As defined in Section 4.01(b). Partial Liquidation Proceeds: Liquidation Proceeds received by a Servicer prior to the Unscheduled Principal Receipt Period in which the related Mortgage Loan became a Liquidated Loan. Partial Unscheduled Principal Receipt: An Unscheduled Principal Receipt which is not a Full Unscheduled Principal Receipt. Paying Agent: The Person authorized on behalf of the Trustee, as agent for the Master Servicer, to make distributions to Certificateholders with respect to the Certificates and to forward to Certificateholders the periodic and annual statements required by Section 4.04. The Paying Agent may be any Person directly or indirectly controlling or controlled by or under common control with the Master Servicer and may be the Trustee. The initial Paying Agent is appointed in Section 4.03(a). Payment Account: The account maintained pursuant to Section 4.03(b). Percentage Interest: With respect to a Class A Certificate (other than Class A-15 Certificates), the undivided percentage interest obtained by dividing the original principal balance of such Certificate by the Original Principal Balance of such Class of Class A Certificates. With respect to a Class A-15 Certificate, the undivided percentage interest obtained by dividing the original notional amount evidenced by such Certificate by the Original Notional Amount of such Class. With respect to a Class B Certificate of a Class, the undivided percentage interest obtained by dividing the original principal balance of such Certificate by the Original Principal Balance of such Class of Class B Certificates. Periodic Advance: The aggregate of the advances required to be made by a Servicer on any Distribution Date pursuant to its Servicing Agreement or by the Master Servicer or the Trustee hereunder, the amount of any such advances being equal to the total of all Monthly Payments (adjusted, in each case (i) in respect of interest, to the applicable Mortgage Interest Rate less the applicable Servicing Fee in the case of Periodic Advances made by a Servicer and to the applicable Net Mortgage Interest Rate in the case of Periodic Advances made by the Master Servicer or Trustee and (ii) by the amount of any related Debt Service Reductions or reductions in the amount of interest collectable from the Mortgagor pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940, as amended, or similar legislation or regulations then in effect) on the Mortgage Loans, that (x) were delinquent as of the close of business on the related Determination Date, (y) were not the subject of a previous Periodic Advance by such Servicer or of a Periodic Advance by the Master Servicer or the Trustee, as the case may be and (z) have not been determined by the Master Servicer, such Servicer or Trustee to be Nonrecoverable Advances. Person: Any individual, corporation, partnership, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Plan: As defined in Section 5.02(c). PMI Advance: As defined in the related Servicing Agreement, if applicable. PO Fraction: With respect to any Discount Mortgage Loan, the difference between 1.0 and the Non-PO Fraction for such Mortgage Loan; with respect to any other Mortgage Loan, zero. Pool Balance (Non-PO Portion): As of any Distribution Date, the sum of the amounts for each Mortgage Loan that is an Outstanding Mortgage Loan of the product of (i) the Non-PO Fraction for such Mortgage Loan and (ii) the Scheduled Principal Balance of such Mortgage Loan. Pool Balance (PO Portion): As of any Distribution Date, the sum of the amounts for each Mortgage Loan that is an Outstanding Mortgage Loan of the product of (i) the PO Fraction for such Mortgage Loan and (ii) the Scheduled Principal Balance of such Mortgage Loan. Pool Distribution Amount: As of any Distribution Date, the funds eligible for distribution to the Class A Certificates and Class B Certificates on such Distribution Date, which shall be the sum of (i) all previously undistributed payments or other receipts on account of principal and interest on or in respect of the Mortgage Loans (including, without limitation, the proceeds of any repurchase of a Mortgage Loan by the Seller and any Substitution Principal Amount) received by the Master Servicer with respect to the applicable Remittance Date in the month of such Distribution Date and any Unscheduled Principal Receipts received by the Master Servicer on or prior to the Business Day preceding such Distribution Date, (ii) all Periodic Advances made by a Servicer pursuant to the related Servicing Agreement or Periodic Advances made by the Master Servicer or the Trustee pursuant to Section 3.03 and (iii) all other amounts required to be placed in the Certificate Account by the Servicer on or before the applicable Remittance Date or by the Master Servicer or the Trustee on or prior to the Distribution Date, but excluding the following: (a) amounts received as late payments of principal or interest and respecting which the Master Servicer or the Trustee has made one or more unreimbursed Periodic Advances; (b) the portion of Liquidation Proceeds used to reimburse any unreimbursed Periodic Advances by the Master Servicer or the Trustee; (c) those portions of each payment of interest on a particular Mortgage Loan which represent (i) the Fixed Retained Yield, if any, (ii) the Servicing Fee and (iii) the Master Servicing Fee; (d) all amounts representing scheduled payments of principal and interest due after the Due Date occurring in the month in which such Distribution Date occurs; (e) all Unscheduled Principal Receipts received by the Servicers after the Applicable Unscheduled Principal Receipt Period relating to the Distribution Date for the applicable type of Unscheduled Principal Receipt, and all related payments of interest on such amounts; (f) all repurchase proceeds with respect to Mortgage Loans repurchased by the Seller pursuant to Sections 2.02, 2.03 or 3.08 on or following the Determination Date in the month in which such Distribution Date occurs and the difference between the unpaid principal balance of a Mortgage Loan substituted for a Mortgage Loan pursuant to Sections 2.02, 2.03 or 2.06 on or following the Determination Date in the month in which such Distribution Date occurs and the unpaid principal balance of such Mortgage Loan; (g) that portion of Liquidation Proceeds and REO Proceeds which represents any unpaid Servicing Fee or Master Servicing Fee; (h) all income from Eligible Investments that is held in the Certificate Account for the account of the Master Servicer; (i) all other amounts permitted to be withdrawn from the Certificate Account in respect of the Mortgage Loans, to the extent not covered by clauses (a) through (h) above, or not required to be deposited in the Certificate Account under this Agreement; (j) Liquidation Profits; (k) Month End Interest; and (l) all amounts reimbursable to a Servicer for PMI Advances. Pool Scheduled Principal Balance: As to any Distribution Date, the aggregate Scheduled Principal Balances of all Mortgage Loans that were Outstanding Mortgage Loans on the Due Date in the month preceding the month of such Distribution Date. Prepayment In Full: With respect to any Mortgage Loan, a Mortgagor payment consisting of a Principal Prepayment in the amount of the outstanding principal balance of such loan and resulting in the full satisfaction of such obligation. Prepayment Interest Shortfall: On any Distribution Date, the amount of interest, if any, that would have accrued on any Mortgage Loan which was the subject of a Prepayment in Full at the Net Mortgage Interest Rate for such Mortgage Loan from the date of its Prepayment in Full (but in the case of a Prepayment in Full where the Applicable Unscheduled Principal Receipt Period is the Mid-Month Receipt Period, only if the date of the Prepayment in Full is on or after the Determination Date in the month prior to the month of such Distribution Date and prior to the first day of the month of such Distribution Date) through the last day of the month prior to the month of such Distribution Date. Principal Adjustment: In the event that the Class B-1 Optimal Principal Amount, Class B-2 Optimal Principal Amount, Class B-3 Optimal Principal Amount, Class B-4 Optimal Principal Amount, Class B-5 Optimal Principal Amount or Class B-6 Optimal Principal Amount is calculated in accordance with the proviso in such definition with respect to any Distribution Date, the Principal Adjustment for such Class of Class B Certificates shall equal the difference between (i) the amount that would have been distributed to such Class as principal in accordance with Section 4.01(a)(i) for such Distribution Date, calculated without regard to such proviso and assuming there are no Principal Adjustments for such Distribution Date and (ii) the Adjusted Principal Balance for such Class. Principal Balance: As of the first Determination Date and as to any Class of Class A Certificates (other than the Class A-15 Certificates), the Original Principal Balance of such Class. As of any subsequent Determination Date prior to the Subordination Depletion Date and as to any Class of Class A Certificates (other than the Class A-PO Certificates), the Original Principal Balance of such Class (increased in the case of the Accrual Certificates by the Accrual Distribution Amounts with respect to prior Distribution Dates for such Class of Accrual Certificates) less the sum of (a) all amounts previously distributed in respect of such Class on prior Distribution Dates (i) pursuant to Paragraph third clause (A) of Section 4.01(a)(i), (ii) as a result of a Principal Adjustment and (iii), if applicable, from the Accrual Distribution Amounts for such prior Distribution Dates and (b) the Realized Losses allocated through such Determination Date to such Class pursuant to Section 4.02(b). After the Subordination Depletion Date, each such Principal Balance of a Class of Class A Certificates (other than the Class A-PO Certificates) will also be reduced (if clause (i) is greater than clause (ii)) or increased (if clause (i) is less than clause (ii)) on each Determination Date by an amount equal to the product of the Class A Loss Percentage of such Class and the difference, if any, between (i) the Class A Non-PO Principal Balance as of such Determination Date without regard to this sentence and (ii) the difference between (A) the Adjusted Pool Amount for the preceding Distribution Date and (B) the Adjusted Pool Amount (PO Portion) for the preceding Distribution Date; provided, however, that the amount of any such reduction for the Class A-7 and Class A-18 Certificates will be decreased pro rata by the Class A-17 Loss Allocation Amount. After the Subordination Depletion Date, the Principal Balance for the Class A-17 Certificates will additionally be reduced by the Class A-17 Loss Allocation Amount. The Class A-15 Certificates are interest only Certificates and have no Principal Balance. As to the Class B Certificates, the Class B-1 Principal Balance, Class B-2 Principal Balance, Class B-3 Principal Balance, Class B-4 Principal Balance, Class B-5 Principal Balance and Class B-6 Principal Balance, respectively. Notwithstanding the foregoing, no Principal Balance of a Class will be increased on any Determination Date such that the Principal Balance of such Class exceeds its Original Principal Balance (plus any Accrual Distribution Amounts previously added to the Principal Balance of the Accrual Certificates) less all amounts previously distributed in respect of such Class on prior Distribution Dates pursuant to Paragraph third clause (A) of Section 4.01(a)(i), Paragraph third clause (B) of Section 4.01(a)(i), or Paragraphs seventh, tenth, thirteenth, sixteenth, nineteenth or twenty-second of Section 4.01(a)(i). Principal Prepayment: Any Mortgagor payment on a Mortgage Loan which is received in advance of its Due Date and is not accompanied by an amount representing scheduled interest for any period subsequent to the date of prepayment. Priority Amount: For any Distribution Date, the lesser of (i) the aggregate Principal Balance of the Lockout Group and (ii) the product of (A) the Priority Percentage, (B) the Shift Percentage and (C) the sum of the Scheduled Principal Amount and the Unscheduled Principal Amount. Priority Percentage: The aggregate Principal Balance of the Lockout Group divided by the Aggregate Non-PO Principal Balance. Prior Month Receipt Period: With respect to each Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. Prohibited Transaction Tax: Any tax imposed under Section 860F of the Code. Prospectus: The prospectus dated December 17, 2001 as supplemented by the prospectus supplement dated December 18, 2001, relating to the Class A, Class B-1, Class B-2 and Class B-3 Certificates. Prudent Servicing Practices: The standard of care set forth in each Servicing Agreement. Rate Determination Date: As to any Distribution Date and any Class of LIBOR Certificates, the second LIBOR Business Day preceding the 25th day of the month preceding the month in which such Distribution Date occurs. Rating Agency: Any nationally recognized statistical credit rating agency, or its successor, that rated one or more Classes of the Certificates at the request of the Seller at the time of the initial issuance of the Certificates. The Rating Agencies for the Class A Certificates are Fitch and S&P. The Rating Agency for the Class B-1, Class B-2, Class B-3, Class B-4 and Class B-5 Certificates is S&P. If any such agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Seller, notice of which designation shall be given to the Trustee and the Master Servicer. References herein to the highest short-term rating category of a Rating Agency shall mean F-1+ in the case of Fitch, A-1 in the case of S&P and in the case of any other Rating Agency shall mean its equivalent of such ratings. References herein to the highest long-term rating categories of a Rating Agency shall mean AAA in the case of Fitch and S&P, and in the case of any other Rating Agency shall mean its equivalent of such ratings without any plus or minus. Realized Losses: With respect to any Distribution Date, (i) Liquidated Loan Losses (including Special Hazard Losses and Fraud Losses) incurred on Liquidated Loans for which the Liquidation Proceeds were received during the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts with respect to such Distribution Date and (ii) Bankruptcy Losses incurred during the period corresponding to the Applicable Unscheduled Principal Receipt Period with respect to Full Unscheduled Principal Receipts for such Distribution Date. Record Date: The last Business Day of the month preceding the month of the related Distribution Date. Recovery: Any amount received on a Mortgage Loan subsequent to such Mortgage Loan being determined to be a Liquidated Loan. Reference Banks: Initially, the Reference Banks shall be Deutsche Bank International, Bank of America, N.A., Citibank, N.A., and The Fuji Bank, Limited. If any of these banks are not available, the Trustee shall select from one of the following banks a substitute Reference Bank: Credit Suisse First Boston Corporation, Westdeutsche Landesbank Girozentrale, The Chase Manhattan Bank or National Westminster Bank Plc. If any of these banks are not available, the Trustee shall in its discretion select another Reference Bank. Relevant Anniversary: See "Bankruptcy Loss Amount." REMIC: A "real estate mortgage investment conduit" as defined in Code Section 860D. REMIC Provisions: Provisions of the federal income tax law relating to REMICs, which appear at Sections 860A through 860G of Part IV of Subchapter M of Chapter 1 of Subtitle A of the Code, and related provisions, and U.S. Department of the Treasury temporary, proposed or final regulations promulgated thereunder, as the foregoing are in effect (or with respect to proposed regulations, are proposed to be in effect) from time to time. Remittance Date: As defined in each of the Servicing Agreements. REO Mortgage Loan: Any Mortgage Loan which is not a Liquidated Loan and as to which the indebtedness evidenced by the related Mortgage Note is discharged and the related Mortgaged Property is held as part of the Trust Estate. REO Proceeds: Proceeds received in respect of any REO Mortgage Loan (including, without limitation, proceeds from the rental of the related Mortgaged Property). Request for Release: A request for release in substantially the form attached as Exhibit G hereto. Responsible Officer: When used with respect to the Trustee, the Chairman or Vice-Chairman of the Board of Directors or Trustees, the Chairman or Vice-Chairman of the Executive or Standing Committee of the Board of Directors or Trustees, the President, the Chairman of the Committee on Trust Matters, any Vice President, the Secretary, any Assistant Secretary, the Treasurer, any Assistant Treasurer, the Cashier, any Assistant Cashier, any Trust Officer or Assistant Trust Officer, the Controller and any Assistant Controller or any other officer of the Trustee customarily performing functions similar to those performed by any of the above-designated officers and also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer's knowledge of and familiarity with the particular subject. Rule 144A: Rule 144A promulgated under the Securities Act of 1933, as amended. S&P: Standard & Poor's, a division of The McGraw-Hill Companies, Inc., or its successor in interest. Scheduled Principal Amount: The sum for each outstanding Mortgage Loan (including each defaulted Mortgage Loan with respect to which the related Mortgaged Property has been acquired by the Trust Estate) of the product of (A) the Non-PO Fraction for such Mortgage Loan and (B) the sum of the amounts described in clauses Iy(i) and Iy(iv) of the definition of Class A Non-PO Optimal Principal Amount, but without such amount being multiplied by the Class A Percentage. Scheduled Principal Balance: As to any Mortgage Loan and Distribution Date, the principal balance of such Mortgage Loan as of the Due Date in the month preceding the month of such Distribution Date as specified in the amortization schedule at the time relating thereto (before any adjustment to such amortization schedule by reason of any bankruptcy (other than Deficient Valuations) or similar proceeding or any moratorium or similar waiver or grace period) after giving effect to (A) Unscheduled Principal Receipts received or applied by the applicable Servicer during the related Unscheduled Principal Receipt Period for each applicable type of Unscheduled Principal Receipt related to the Distribution Date occurring in the month preceding such Distribution Date, (B) Deficient Valuations incurred prior to such Due Date and (C) the payment of principal due on such Due Date and irrespective of any delinquency in payment by the related Mortgagor. Accordingly, the Scheduled Principal Balance of a Mortgage Loan which becomes a Liquidated Loan at any time through the last day of such related Unscheduled Principal Receipt Period shall be zero. Seller: Wells Fargo Asset Securities Corporation, or its successor in interest. Servicer Mortgage Loan File: As defined in each of the Servicing Agreements. Servicers: Each of WFHM, HomeSide Lending, Inc., First Nationwide Mortgage Corporation, HSBC Mortgage Corporation (USA), Mid America Bank, FSB, Chevy Chase Bank, F.S.B., Firstar Bank, NA, Hibernia National Bank, Navy Federal Credit Union, Colonial Savings, F.A. and The Huntington Mortgage Company, as a Servicer under the related Servicing Agreement. Servicing Agreements: Each of the Servicing Agreements executed with respect to a portion of the Mortgage Loans by one of the Servicers, which agreements are attached hereto, collectively, as Exhibit L. Servicing Fee: With respect to any Servicer, as defined in its Servicing Agreement. Servicing Fee Rate: With respect to a Mortgage Loan, as set forth in Section 11.25. Servicing Officer: Any officer of a Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans. Shift Percentage: As to any Distribution Date, the percentage indicated below: Distribution Date Occurring In Shift ------------------------------ Percentage ---------- January 2002 through December 2006............................. 0% January 2007 through December 2007............................. 30% January 2008 through December 2008............................. 40% January 2009 through December 2009............................. 60% January 2010 through December 2010............................. 80% January 2011 and thereafter.................................... 100% Similar Law: As defined in Section 5.02(c). Single Certificate: A Certificate of any Class that evidences the smallest permissible Denomination for such Class, as set forth in Section 11.24. Special Hazard Loss: (i) A Liquidated Loan Loss suffered by a Mortgaged Property on account of direct physical loss, exclusive of (a) any loss covered by a hazard policy or a flood insurance policy maintained in respect of such Mortgaged Property pursuant to a Servicing Agreement and (b) any loss caused by or resulting from: (1) normal wear and tear; (2) infidelity, conversion or other dishonest act on the part of the Trustee, or the Servicer or any of their agents or employees; or (3) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues; or (ii) any Liquidated Loan Loss suffered by the Trust Estate arising from or related to the presence or suspected presence of hazardous wastes or hazardous substances on a Mortgaged Property unless such loss to a Mortgaged Property is covered by a hazard policy or a flood insurance policy maintained in respect of such Mortgaged Property pursuant to the Servicing Agreement. Special Hazard Loss Amount: As of any Distribution Date, an amount equal to $9,004,871.33 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to the Class B Certificates in accordance with Section 4.02(a) and (ii) the Special Hazard Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-Off Date, the Special Hazard Adjustment Amount shall be calculated and shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Special Hazard Adjustment Amount for such anniversary) exceeds the greater of (A) the product of the Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans on the Distribution Date immediately preceding such anniversary, (B) twice the outstanding principal balance of the Mortgage Loan in the Trust Estate which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary and (C) that which is necessary to maintain the original ratings on the Certificates as evidenced by letters to that effect delivered by Rating Agencies to the Master Servicer and the Trustee. On and after the Subordination Depletion Date, the Special Hazard Loss Amount shall be zero. Special Hazard Percentage: As of each anniversary of the Cut-Off Date, the greater of (i) 1.00% and (ii) the largest percentage obtained by dividing the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located in a single, five-digit zip code area in the State of California by the outstanding principal balance of all the Mortgage Loans as of the immediately preceding Distribution Date. Startup Day: As defined in Section 2.05. Subordinated Percentage: As to any Distribution Date, the percentage which is the difference between 100% and the Class A Percentage for such date. Subordinated Prepayment Percentage: As to any Distribution Date, the percentage which is the difference between 100% and the Class A Prepayment Percentage for such date. Subordination Depletion Date: The Distribution Date preceding the first Distribution Date on which the Class A Percentage (determined pursuant to clause (ii) of the definition thereof) equals or exceeds 100%. Subordination Depletion Date Interest Shortfall: With respect to any Distribution Date that occurs on or after the Subordination Depletion Date with respect to any Unscheduled Principal Receipt (other than a Prepayment in Full): (A) in the case where the Applicable Unscheduled Principal Receipt Period is the Mid-Month Receipt Period and such Unscheduled Principal Receipt is received by the Servicer on or after the Determination Date in the month preceding the month of such Distribution Date but prior to the first day of the month of such Distribution Date, the amount of interest that would have accrued at the Net Mortgage Interest Rate on the amount of such Unscheduled Principal Receipt from the day of its receipt or, if earlier, its application by the Servicer through the last day of the month preceding the month of such Distribution Date; and (B) in the case where the Applicable Unscheduled Principal Receipt Period is the Prior Month Receipt Period and such Unscheduled Principal Receipt is received by the Servicer during the month preceding the month of such Distribution Date, the amount of interest that would have accrued at the Net Mortgage Interest Rate on the amount of such Unscheduled Principal Receipt from the day of its receipt or, if earlier, its application by the Servicer through the last day of the month in which such Unscheduled Principal Receipt is received. Subsidy Loan: Any Mortgage Loan subject to a temporary interest subsidy agreement pursuant to which the monthly interest payments made by the related Mortgagor will be less than the scheduled monthly interest payments on such Mortgage Loan, with the resulting difference in interest payments being provided by the employer of the Mortgagor. Each Subsidy Loan will be identified as such in the Mortgage Loan Schedule. Substitute Mortgage Loan: As defined in Section 2.02. Substitution Principal Amount: With respect to any Mortgage Loan substituted in accordance with Section 2.02 or pursuant to Sections 2.03 or 2.06, the excess of (x) the unpaid principal balance of the Mortgage Loan which is substituted for over (y) the unpaid principal balance of the Substitute Mortgage Loan, each balance being determined as of the date of substitution. Trust Estate: The corpus of the trust created by this Agreement, consisting of the Mortgage Loans (other than any Fixed Retained Yield), such amounts as may be held from time to time in the Certificate Account (other than any Fixed Retained Yield), the rights of the Trustee, to receive the proceeds of all insurance policies and performance bonds, if any, required to be maintained hereunder or under the related Servicing Agreement and property which secured a Mortgage Loan and which has been acquired by foreclosure or deed in lieu of foreclosure. Trustee: First Union National Bank, a national banking association with its principal office located in Charlotte, North Carolina, or any successor trustee appointed as herein provided. Type 1 Mortgage Loan: Any of the Mortgage Loans identified in Exhibit F-1 hereto, as such Exhibit may be amended from time to time in connection with a substitution pursuant to Sections 2.02 or 2.06, serviced under the WFHM Servicing Agreement and having a Mid-Month Receipt Period with respect to all types of Unscheduled Principal Receipts. Type 2 Mortgage Loan: Any of the Mortgage Loans identified in Exhibit F-2 hereto, as such Exhibit may be amended from time to time in connection with a substitution pursuant to Sections 2.02 or 2.06, serviced under the WFHM Servicing Agreement and having a Prior Month Receipt Period with respect to all types of Unscheduled Principal Receipts. Uncertificated Lower-Tier Interest: Any of the Class A-L1 Interest, the Class A-L4 Interest, the Class A-L12 Interest, the Class A-L13 Interest, the Class A-LPO Interest, the Class A-LUR Interest, the Class B-L1 Interest, the Class B-L2 Interest, the Class B-L3 Interest, the Class B-L4 Interest, the Class B-L5 Interest and the Class B-L6 Interest. Unpaid Interest Shortfalls: Each of the Class A Unpaid Interest Shortfalls, the Class B-1 Unpaid Interest Shortfall, the Class B-2 Unpaid Interest Shortfall, the Class B-3 Unpaid Interest Shortfall, the Class B-4 Unpaid Interest Shortfall, the Class B-5 Unpaid Interest Shortfall and the Class B-6 Unpaid Interest Shortfall. Unscheduled Principal Amount: The sum for each outstanding Mortgage Loan (including each defaulted Mortgage Loan with respect to which the related Mortgaged Property has been acquired by the Trust Estate) of the product of (A) the Non-PO Fraction for such Mortgage Loan and (B) the sum of the amounts described in clauses Iy(ii) and Iy(iii) of the definition of Class A Non-PO Optimal Principal Amount, but without such amount being multiplied by the Class A Prepayment Percentage. Unscheduled Principal Receipt: Any Principal Prepayment or other recovery of principal on a Mortgage Loan, including, without limitation, Liquidation Proceeds, Net REO Proceeds, Recoveries and proceeds received from any condemnation award or proceeds in lieu of condemnation other than that portion of such proceeds released to the Mortgagor in accordance with the terms of the Mortgage or Prudent Servicing Practices, but excluding any Liquidation Profits and proceeds of a repurchase of a Mortgage Loan by the Seller and any Substitution Principal Amounts. Unscheduled Principal Receipt Period: Either a Mid-Month Receipt Period or a Prior Month Receipt Period. 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 trust account established and maintained pursuant to Section 4.01(e). Upper-Tier REMIC: One of the two separate REMICs comprising the Trust Estate, 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: As defined in Section 4.01(g). Voting Interest: With respect to any provisions hereof providing for the action, consent or approval of the Holders of all Certificates evidencing specified Voting Interests in the Trust Estate, the Class A-15 Certificates will each be entitled to 1% of the aggregate Voting Interest represented by all Certificates and each remaining Class of Certificates will be entitled to a pro rata portion of the remaining Voting Interest equal to the ratio obtained by dividing the Principal Balance of such Class by the sum of the Class A Principal Balance and the Class B Principal Balance. Each Certificateholder of a Class will have a Voting Interest equal to the product of the Voting Interest to which such Class is collectively entitled and the Percentage Interest in such Class represented by such Holder's Certificates. With respect to any provisions hereof providing for action, consent or approval of each Class of Certificates or specified Classes of Certificates, each Certificateholder of a Class will have a Voting Interest in such Class equal to such Holder's Percentage Interest in such Class. Weighted Average Net Mortgage Interest Rate: As to any Distribution Date, a rate per annum equal to the average, expressed as a percentage of the Net Mortgage Interest Rates of all Mortgage Loans that were Outstanding Mortgage Loans as of the Due Date in the month preceding the month of such Distribution Date, weighted on the basis of the respective Scheduled Principal Balances of such Mortgage Loans. WFHM: Wells Fargo Home Mortgage, Inc., or its successor in interest. WFHM Correspondents: The entities listed on the Mortgage Loan Schedule, from which WFHM purchased the Mortgage Loans. WFHM Servicing Agreement: The Servicing Agreement providing for the servicing of the Type 1 Mortgage Loans and Type 2 Mortgage Loans initially by WFHM. SECTION 1.02 ACTS OF HOLDERS. (a) Any request, demand, authorization, direction, notice, consent, waiver or other action provided by this Agreement to be given or taken by Holders may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by such Holders in person or by an agent duly appointed in writing. Except as herein otherwise expressly provided, such action shall become effective when such instrument or instruments are delivered to the Trustee. Proof of execution of any such instrument or of a writing appointing any such agent shall be sufficient for any purpose of this Agreement and conclusive in favor of the Trustee, if made in the manner provided in this Section 1.02. The Trustee shall promptly notify the Master Servicer in writing of the receipt of any such instrument or writing. (b) The fact and date of the execution by any Person of any such instrument or writing may be proved by the affidavit of a witness of such execution or by a certificate of a notary public or other officer authorized by law to take acknowledgments of deeds, certifying that the individual signing such instrument or writing acknowledged to him the execution thereof. When such execution is by a signer acting in a capacity other than his or her individual capacity, such certificate or affidavit shall also constitute sufficient proof of his or her authority. The fact and date of the execution of any such instrument or writing, or the authority of the individual executing the same, may also be proved in any other manner which the Trustee deems sufficient. (c) The ownership of Certificates (whether or not such Certificates shall be overdue and notwithstanding any notation of ownership or other writing thereon made by anyone other than the Trustee and the Authenticating Agent) shall be proved by the Certificate Register, and neither the Trustee, the Seller nor the Master Servicer shall be affected by any notice to the contrary. (d) Any request, demand, authorization, direction, notice, consent, waiver or other action of the Holder of any Certificate shall bind every future Holder of the same Certificate and the Holder of every Certificate issued upon the registration of transfer thereof or in exchange therefor or in lieu thereof in respect of anything done, omitted or suffered to be done by the Trustee, the Seller or the Master Servicer in reliance thereon, whether or not notation of such action is made upon such Certificate. SECTION 1.03 EFFECT OF HEADINGS AND TABLE OF CONTENTS. The Article and Section headings in this Agreement and the Table of Contents are for convenience of reference only and shall not affect the interpretation or construction of this Agreement. SECTION 1.04 BENEFITS OF AGREEMENT. Nothing in this Agreement or in the Certificates, express or implied, shall give to any Person, other than the parties to this Agreement and their successors hereunder and the Holders of the Certificates any benefit or any legal or equitable right, power, remedy or claim under this Agreement. ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF THE CERTIFICATES SECTION 2.01 CONVEYANCE OF MORTGAGE LOANS. The Seller, concurrently with the execution and delivery hereof, does hereby assign to the Trustee, without recourse all the right, title and interest of the Seller in and to (a) the Trust Estate, including all interest (other than the portion, if any, representing the Fixed Retained Yield) and principal received by the Seller on or with respect to the Mortgage Loans after the Cut-Off Date (and including scheduled payments of principal and interest due after the Cut-Off Date but received by the Seller on or before the Cut-Off Date and Unscheduled Principal Receipts received or applied on the Cut-Off Date, but not including payments of principal and interest due on the Mortgage Loans on or before the Cut-Off Date), (b) the Insurance Policies, (c) the obligations of the Servicers under the Servicing Agreements with respect to the Mortgage Loans and (d) proceeds of all the foregoing. In connection with such assignment, the Seller shall, with respect to each Mortgage Loan, deliver, or cause to be delivered, to the Trustee, as initial Custodian, on or before the Closing Date, an Owner Mortgage Loan File. If any Mortgage or an assignment of a Mortgage to the Trustee or any prior assignment is in the process of being recorded on the Closing Date, the Seller shall deliver a copy thereof, certified by WFHM or the applicable WFHM Correspondent to be a true and complete copy of the document sent for recording, and the Seller shall use its best efforts to cause each such original recorded document or certified copy thereof to be delivered to the Trustee promptly following its recordation, but in no event later than one (1) year following the Closing Date. If any Mortgage has been recorded in the name of Mortgage Electronic Registration System, 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 Master Servicer shall take all actions as are necessary to cause the Trust Estate to be shown as the owner of the related Mortgage Loan on the records of MERS for the purpose of the system of recording transfers of beneficial ownership of mortgages maintained by MERS. The Seller shall also cause to be delivered to the Trustee any other original mortgage loan document to be included in the Owner Mortgage Loan File if a copy thereof has been delivered. The Seller shall pay from its own funds, without any right of reimbursement therefor, the amount of any costs, liabilities and expenses incurred by the Trust Estate by reason of the failure of the Seller to cause to be delivered to the Trustee within one (1) year following the Closing Date any original Mortgage or assignment of a Mortgage (except with respect to any Mortgage recorded in the name of MERS) not delivered to the Trustee on the Closing Date. In lieu of recording an assignment of any Mortgage the Seller may, to the extent set forth in the applicable Servicing Agreement, deliver or cause to be delivered to the Trustee the assignment of the Mortgage Loan from the Seller to the Trustee in a form suitable for recordation, if (i) with respect to a particular state the Trustee has received an Opinion of Counsel acceptable to it that such recording is not required to make the assignment effective against the parties to the Mortgage or subsequent purchasers or encumbrancers of the Mortgaged Property or (ii) the Seller has been advised by each Rating Agency that non-recordation in a state will not result in a reduction of the rating assigned by that Rating Agency at the time of the initial issuance of the Certificates. In the event that the Master Servicer receives notice that recording is required to protect the right, title and interest of the Trustee in and to any such Mortgage Loan for which recordation of an assignment has not previously been required, the Master Servicer shall promptly notify the Trustee and the Trustee shall within five Business Days (or such other reasonable period of time mutually agreed upon by the Master Servicer and the Trustee) of its receipt of such notice deliver each previously unrecorded assignment to the related Servicer for recordation. SECTION 2.02 ACCEPTANCE BY TRUSTEE. The Trustee, acknowledges receipt of the Mortgage Notes, the Mortgages, the assignments (unless the related Mortgage has been registered in the name of MERS or its designee) and other documents required to be delivered on the Closing Date pursuant to Section 2.01 above and declares that it holds and will hold such documents and the other documents constituting a part of the Owner Mortgage Loan Files delivered to it in trust, upon the trusts herein set forth, for the use and benefit of all present and future Certificateholders. The Trustee agrees, for the benefit of Certificateholders, to review each Owner Mortgage Loan File within 45 days after execution of this Agreement in order to ascertain that all required documents set forth in Section 2.01 have been executed and received and appear regular on their face, and that such documents relate to the Mortgage Loans identified in the Mortgage Loan Schedule, and in so doing the Trustee may rely on the purported due execution and genuineness of any such document and on the purported genuineness of any signature thereon. If within such 45 day period the Trustee finds any document constituting a part of an Owner Mortgage Loan File not to have been executed or received or to be unrelated to the Mortgage Loans identified in the Mortgage Loan Schedule or not to appear regular on its face, the Trustee shall promptly (and in no event more than 30 days after the discovery of such defect) notify the Seller, which shall have a period of 60 days after the date of such notice within which to correct or cure any such defect. The Seller hereby covenants and agrees that, if any material defect is not so corrected or cured, the Seller will, not later than 60 days after the Trustee's notice to it referred to above respecting such defect, either (i) repurchase the related Mortgage Loan or any property acquired in respect thereof from the Trust Estate at a price equal to (a) 100% of the unpaid principal balance of such Mortgage Loan plus (b) accrued interest at the Mortgage Interest Rate, less any Fixed Retained Yield, through the last day of the month in which such repurchase takes place or (ii) if within two years of the Startup Day, or such other period permitted by the REMIC Provisions, substitute for any Mortgage Loan to which such material defect relates, a new mortgage loan (a "Substitute Mortgage Loan") having such characteristics so that the representations and warranties of the Seller set forth in Section 2.03(b) hereof (other than Section 2.03(b)(i)) would not have been incorrect had such Substitute Mortgage Loan originally been a Mortgage Loan. In no event shall any Substitute Mortgage Loan have an unpaid principal balance, as of the date of substitution, greater than the Scheduled Principal Balance (reduced by the scheduled payment of principal due on the Due Date in the month of substitution) of the Mortgage Loan for which it is substituted. In addition, such Substitute Mortgage Loan shall have a Loan-to-Value Ratio less than or equal to and a Mortgage Interest Rate equal to that of the Mortgage Loan for which it is substituted. In the case of a repurchased Mortgage Loan or property, the purchase price shall be deposited by the Seller in the Certificate Account maintained by the Master Servicer pursuant to Section 3.01. In the case of a Substitute Mortgage Loan, the Owner Mortgage Loan File relating thereto shall be delivered to the Trustee and the Substitution Principal Amount, together with (i) interest on such Substitution Principal Amount at the applicable Net Mortgage Interest Rate to the following Due Date of such Mortgage Loan which is being substituted for and (ii) an amount equal to the aggregate amount of unreimbursed Periodic Advances in respect of interest previously made by the Servicer, the Master Servicer or the Trustee with respect to such Mortgage Loan, shall be deposited in the Certificate Account. The Monthly Payment on the Substitute Mortgage Loan for the Due Date in the month of substitution shall not be part of the Trust Estate. Upon receipt by the Trustee of written notification of any such deposit signed by an officer of the Seller, or the new Owner Mortgage Loan File, as the case may be, the Trustee shall release to the Seller the related Owner Mortgage Loan File and shall execute and deliver such instrument of transfer or assignment (or, in the case of a Mortgage Loan registered in the name of MERS or its designee, the Master Servicer shall take all necessary action to reflect such assignment on the records of MERS), in each case without recourse, as shall be necessary to vest in the Seller legal and beneficial ownership of such substituted or repurchased Mortgage Loan or property. It is understood and agreed that the obligation of the Seller to substitute a new Mortgage Loan for or repurchase any Mortgage Loan or property as to which such a material defect in a constituent document exists shall constitute the sole remedy respecting such defect available to the Certificateholders or the Trustee on behalf of the Certificateholders. The failure of the Trustee to give any notice contemplated herein within forty-five (45) days after the execution of this Agreement shall not affect or relieve the Seller's obligation to repurchase any Mortgage Loan pursuant to this Section 2.02. The Trustee may, concurrently with the execution and delivery hereof or at any time thereafter, enter into a Custodial Agreement substantially in the form of Exhibit E hereto pursuant to which the Trustee appoints a Custodian to hold the Mortgage Notes, the Mortgages, the assignments and other documents related to the Mortgage Loans received by the Trustee, in trust for the benefit of all present and future Certificateholders, which may provide, among other things, that the Custodian shall conduct the review of such documents required under the first paragraph of this Section 2.02. SECTION 2.03 REPRESENTATIONS AND WARRANTIES OF THE MASTER SERVICER AND THE SELLER. (a) The Master Servicer hereby represents and warrants to the Trustee for the benefit of Certificateholders that, as of the date of execution of this Agreement: (i) The Master Servicer is a national banking association duly chartered and validly existing in good standing under the laws of the United States; (ii) The execution and delivery of this Agreement by the Master Servicer and its performance and compliance with the terms of this Agreement will not violate the Master Servicer's corporate charter or by-laws or constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, or result in the breach of, any material contract, agreement or other instrument to which the Master Servicer is a party or which may be applicable to the Master Servicer or any of its assets; (iii) This Agreement, assuming due authorization, execution and delivery by the Trustee and the Seller, constitutes a valid, legal and binding obligation of the Master Servicer, enforceable against it in accordance with the terms hereof subject to applicable bankruptcy, insolvency, reorganization, moratorium and other laws affecting the enforcement of creditors' rights generally and to general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law; (iv) The Master Servicer is not in default with respect to any order or decree of any court or any order, regulation or demand of any federal, state, municipal or governmental agency, which default might have consequences that would materially and adversely affect the condition (financial or other) or operations of the Master Servicer or its properties or might have consequences that would affect its performance hereunder; and (v) No litigation is pending or, to the best of the Master Servicer's knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement. It is understood and agreed that the representations and warranties set forth in this Section 2.03(a) shall survive delivery of the respective Owner Mortgage Loan Files to the Trustee or the Custodian. (b) The Seller hereby represents and warrants to the Trustee for the benefit of Certificateholders that, as of the date of execution of this Agreement, with respect to the Mortgage Loans, or each Mortgage Loan, as the case may be: (i) The information set forth in the Mortgage Loan Schedule was true and correct in all material respects at the date or dates respecting which such information is furnished as specified in the Mortgage Loan Schedule; (ii) Immediately prior to the transfer and assignment contemplated herein, the Seller was the sole owner and holder of the Mortgage Loan free and clear of any and all liens, pledges, charges or security interests of any nature and has full right and authority to sell and assign the same; (iii) The Mortgage is a valid, subsisting and enforceable first lien on the property therein described, and the Mortgaged Property is free and clear of all encumbrances and liens having priority over the first lien of the Mortgage except for liens for real estate taxes and special assessments not yet due and payable and liens or interests arising under or as a result of any federal, state or local law, regulation or ordinance relating to hazardous wastes or hazardous substances, and, if the related Mortgaged Property is a condominium unit, any lien for common charges permitted by statute or homeowners association fees; and if the Mortgaged Property consists of shares of a cooperative housing corporation, 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 any security agreement, chattel mortgage or equivalent document related to, and delivered to the Trustee or to the Custodian with, any Mortgage establishes in the Seller a valid and subsisting first lien on the property described therein and the Seller has full right to sell and assign the same to the Trustee; (iv) Neither the Seller nor any prior holder of the Mortgage or the related Mortgage Note has modified the Mortgage or the related Mortgage Note in any material respect, satisfied, canceled or subordinated the Mortgage in whole or in part, released the Mortgaged Property in whole or in part from the lien of the Mortgage, or executed any instrument of release, cancellation, modification or satisfaction, except in each case as is reflected in an agreement delivered to the Trustee or the Custodian pursuant to Section 2.01; (v) All taxes, governmental assessments, insurance premiums, and water, sewer and municipal charges, which previously became due and owing have been paid, or an escrow of funds has been established, to the extent permitted by law, in an amount sufficient to pay for every such item which remains unpaid; and the Seller has not advanced funds, or received any advance of funds by a party other than the Mortgagor, directly or indirectly (except pursuant to any Subsidy Loan arrangement) for the payment of any amount required by the Mortgage, except for interest accruing from the date of the Mortgage Note or date of disbursement of the Mortgage Loan proceeds, whichever is later, to the day which precedes by thirty days the first Due Date under the related Mortgage Note; (vi) The Mortgaged Property is undamaged by water, fire, earthquake, earth movement other than earthquake, windstorm, flood, tornado or similar casualty (excluding casualty from the presence of hazardous wastes or hazardous substances, as to which the Seller makes no representations), 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 and to the best of the Seller's knowledge, there is no proceeding pending or threatened for the total or partial condemnation of the Mortgaged Property; (vii) The Mortgaged Property is free and clear of all mechanics' and materialmen's liens or liens in the nature thereof; provided, however, that this warranty shall be deemed not to have been made at the time of the initial issuance of the Certificates if a title policy affording, in substance, the same protection afforded by this warranty is furnished to the Trustee by the Seller; (viii) Except for Mortgage Loans secured by Co-op Shares and Mortgage Loans secured by residential long-term leases, the Mortgaged Property consists of a fee simple estate in real property; all of the improvements which are included for the purpose of determining the appraised value of the Mortgaged Property lie wholly within the boundaries and building restriction lines of such property and no improvements on adjoining properties encroach upon the Mortgaged Property (unless insured against under the related title insurance policy); and to the best of the Seller's knowledge, the Mortgaged Property and all improvements thereon comply with all requirements of any applicable zoning and subdivision laws and ordinances; (ix) The Mortgage Loan meets, or is exempt from, applicable state or federal laws, regulations and other requirements, pertaining to usury, and the Mortgage Loan is not usurious; (x) To the best of the Seller's knowledge, 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 and fire underwriting certificates, have been made or obtained from the appropriate authorities; (xi) All payments required to be made up to the Due Date immediately preceding the Cut-Off Date for such Mortgage Loan under the terms of the related Mortgage Note have been made and no Mortgage Loan had more than one delinquency in the 12 months preceding the Cut-Off Date; (xii) The Mortgage Note, the related Mortgage and other agreements executed in connection therewith are genuine, and each is the legal, valid and binding obligation of the maker thereof, enforceable in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors' rights generally and by general equity principles (regardless of whether such enforcement is considered in a proceeding in equity or at law); and, to the best of the Seller's knowledge, all parties to the Mortgage Note and the Mortgage had legal capacity to execute the Mortgage Note and the Mortgage and each Mortgage Note and Mortgage has been duly and properly executed by the Mortgagor; (xiii) Any and all requirements of any federal, state or local law with respect to the origination of the Mortgage Loans including, without limitation, truth-in-lending, real estate settlement procedures, consumer credit protection, equal credit opportunity or disclosure laws applicable to the Mortgage Loans have been complied with; (xiv) The proceeds of the Mortgage Loans have been fully disbursed, there is no requirement for future advances 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 (except for escrow funds for exterior items which could not be completed due to weather and escrow funds for the completion of swimming pools); and all costs, fees and expenses incurred in making, closing or recording the Mortgage Loan have been paid, except recording fees with respect to Mortgages not recorded as of the Closing Date; (xv) The Mortgage Loan (except any Mortgage Loan secured by a Mortgaged Property located in any jurisdiction, as to which an opinion of counsel of the type customarily rendered in such jurisdiction in lieu of title insurance is instead received) is covered by an American Land Title Association mortgagee title insurance policy or other generally acceptable form of policy or insurance acceptable to Fannie Mae or Freddie Mac, issued by a title insurer acceptable to Fannie Mae or Freddie Mac insuring the originator, its successors and assigns, as to the first priority lien of the Mortgage in the original principal amount of the Mortgage Loan and 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 public record as of the date of recording of such Mortgage acceptable to mortgage lending institutions in the area in which the Mortgaged Property is located or specifically referred to in the appraisal performed in connection with the origination of the related Mortgage Loan, (C) liens created pursuant to any federal, state or local law, regulation or ordinance affording liens for the costs of clean-up of hazardous substances or hazardous wastes or for other environmental protection purposes and (D) such other matters to which like properties are commonly subject which do not individually, or in the aggregate, materially interfere with the benefits of the security intended to be provided by the Mortgage; the Seller is the sole insured of such mortgagee title insurance policy, the assignment to the Trustee of the Seller's interest in such mortgagee title insurance policy does not require any consent of or notification to the insurer which has not been obtained or made, such mortgagee title insurance policy is in full force and effect and will be in full force and effect and inure to the benefit of the Trustee, no claims have been made under such mortgagee title insurance policy, and no prior holder of the related Mortgage, including the Seller, has done, by act or omission, anything which would impair the coverage of such mortgagee title insurance policy; (xvi) The Mortgaged Property securing each Mortgage Loan is insured by an insurer acceptable to Fannie Mae or Freddie Mac against loss by fire and such hazards as are covered under a standard extended coverage endorsement, in an amount which is not less than the lesser of 100% of the insurable value of the Mortgaged Property and the outstanding principal balance of the Mortgage Loan, but in no event less than the minimum amount necessary to fully compensate for any damage or loss on a replacement cost basis; if the Mortgaged Property is a condominium unit, it is included under the coverage afforded by a blanket policy for the project; if upon origination of the Mortgage Loan, the improvements on the Mortgaged Property were in an area identified in the Federal Register by the Federal Emergency Management Agency as having special flood hazards, a flood insurance policy meeting the requirements of the current guidelines of the Federal Insurance Administration is in effect with a generally acceptable insurance carrier, in an amount representing coverage not less than the least of (A) the outstanding principal balance of the Mortgage Loan, (B) the full insurable value of the Mortgaged Property and (C) the maximum amount of insurance which was available under the National Flood Insurance Act of 1968, as amended; and each Mortgage obligates the Mortgagor thereunder to maintain all such insurance at the Mortgagor's cost and expense; (xvii) To the best of the Seller's knowledge, there is no default, breach, violation or event of acceleration existing under the Mortgage or the related 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; the Seller has not waived any default, breach, violation or event of acceleration; and no foreclosure action is currently threatened or has been commenced with respect to the Mortgage Loan; (xviii) No Mortgage Note or Mortgage is 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 or Mortgage, or the exercise of any right thereunder, render the Mortgage Note or Mortgage unenforceable, in whole or in part, or subject it 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; (xix) Each Mortgage Note is payable in monthly payments, resulting in complete amortization of the Mortgage Loan over a term of not more than 360 months; (xx) Each Mortgage contains 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, including realization by judicial foreclosure (subject to any limitation arising from any bankruptcy, insolvency or other law for the relief of debtors), and there is no homestead or other exemption available to the Mortgagor which would interfere with such right of foreclosure; (xxi) To the best of the Seller's knowledge, no Mortgagor is a debtor in any state or federal bankruptcy or insolvency proceeding; (xxii) Each Mortgaged Property is located in the United States and consists of a one- to four-unit residential property, which may include a detached home, townhouse, condominium unit or a unit in a planned unit development or, in the case of Mortgage Loans secured by Co-op Shares, leases or occupancy agreements; (xxiii) The Mortgage Loan is a "qualified mortgage" within the meaning of Section 860G(a)(3) of the Code; (xxiv) 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; (xxv) In the event that the Mortgagor is an inter vivos "living" trust, (i) such trust is in compliance with Fannie Mae or Freddie Mac standards for inter vivos trusts and (ii) holding title to the Mortgaged Property in such trust will not diminish any rights as a creditor including the right to full title to the Mortgaged Property in the event foreclosure proceedings are initiated; and (xxvi) 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 rent other than pre-established increases set forth in the lease; (4) the original term of such lease is 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. Notwithstanding the foregoing, no representations or warranties are made by the Seller 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 Seller 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 Seller 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 2.03(b) shall survive delivery of the respective Owner Mortgage Loan Files to the Trustee and shall inure to the benefit of the Trustee notwithstanding any restrictive or qualified endorsement or assignment. (c) Upon discovery by either the Seller, the Master Servicer, the Trustee or the Custodian that any of the representations and warranties made in subsection (b) above is not accurate (referred to herein as a "breach") and, except for a breach of the representation and warranty set forth in subsection (b)(i), where such breach is a result of the Cut-Off Date Principal Balance of a Mortgage Loan being greater, by $5,000 or greater, than the Cut-Off Date Principal Balance of such Mortgage Loan indicated on the Mortgage Loan Schedule, 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). Within 60 days of the earlier of its discovery or its receipt of notice of any such breach, the Seller 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 Trust Estate at a price equal to (A) 100% of the unpaid principal balance of such Mortgage Loan plus (B) accrued interest at the Net Mortgage Interest Rate for such Mortgage Loan through the last day of the month in which such repurchase took place or (ii) if within two years of the Startup Day, or such other period permitted by the REMIC Provisions, substitute for such Mortgage Loan in the manner described in Section 2.02. The purchase price of any repurchase described in this paragraph and the Substitution Principal Amount, if any, plus accrued interest thereon and the other amounts referred to in Section 2.02, shall be deposited in the Certificate Account. It is understood and agreed that the obligation of the Seller to repurchase or substitute for any Mortgage Loan or property as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to Certificateholders or the Trustee on behalf of Certificateholders, and such obligation shall survive until termination of the Trust Estate hereunder. SECTION 2.04 EXECUTION AND DELIVERY OF CERTIFICATES. The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Owner Mortgage Loan Files to it, and, concurrently with such delivery, (i) acknowledges the issuance of and hereby declares that it holds the Uncertificated Lower-Tier Interests on behalf of the Upper-Tier REMIC and Certificateholders and (ii) has executed and delivered to or upon the order of the Seller, 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 2.05 DESIGNATION OF CERTIFICATES; DESIGNATION OF STARTUP DAY AND LATEST POSSIBLE MATURITY DATE. The Seller 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 Seller hereby further designates the Class A-L1 Interest, Class A-L4 Interest, Class A-L12 Interest, Class A-L13 Interest, Class A-LPO 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. The Closing Date is hereby designated as the "Startup Day" of each of the Upper-Tier REMIC and Lower-Tier REMIC within the meaning of Code Section 860G(a)(9). The "latest possible maturity date" of the regular interests in the Upper-Tier REMIC and Lower-Tier REMIC is January 25, 2032 for purposes of Code Section 860G(a)(1). SECTION 2.06 OPTIONAL SUBSTITUTION OF MORTGAGE LOANS. During the three-month period beginning on the Startup Date, the Seller shall have the right, but not the obligation, in its sole discretion for any reason, to substitute for any Mortgage Loan a Substitute Mortgage Loan meeting the requirements of Section 2.02. Any such substitution shall be carried out in the manner described in Section 2.02. The Substitution Principal Amount, if any, plus accrued interest thereon and the other amounts referred to in Section 2.02, shall be deposited in the Certificate Account. ARTICLE III ADMINISTRATION OF THE TRUST ESTATE; SERVICING OF THE MORTGAGE LOANS SECTION 3.01 CERTIFICATE ACCOUNT. (a) The Master Servicer shall establish and maintain a Certificate Account for the deposit of funds received by the Master Servicer with respect to the Mortgage Loans serviced by each Servicer pursuant to each of the Servicing Agreements. Such account shall be maintained as an Eligible Account. The Master Servicer shall give notice to each Servicer and the Seller of the location of the Certificate Account and of any change in the location thereof. (b) The Master Servicer shall deposit into the Certificate Account on the day of receipt thereof all amounts received by it from any Servicer pursuant to any of the Servicing Agreements, and shall, in addition, deposit into the Certificate Account the following amounts, in the case of amounts specified in clause (i), not later than the Distribution Date on which such amounts are required to be distributed to Certificateholders and, in the case of the amounts specified in clause (ii), not later than the Business Day next following the day of receipt and posting by the Master Servicer: (i) Periodic Advances pursuant to Section 3.03(a) made by the Master Servicer or the Trustee, if any and any amounts deemed received by the Master Servicer pursuant to Section 3.01(d); and (ii) in the case of any Mortgage Loan that is repurchased by the Seller pursuant to Sections 2.02 or 2.03 or that is auctioned by the Master Servicer pursuant to Section 3.08 or purchased by the Master Servicer pursuant to Section 3.08 or 9.01, the purchase price therefor or, where applicable, any Substitution Principal Amount and any amounts received in respect of the interest portion of unreimbursed Periodic Advances. (c) The Master Servicer shall cause the funds in the Certificate Account to be invested in Eligible Investments. No such Eligible Investments will be sold or disposed of at a gain prior to maturity unless the Master Servicer has received an Opinion of Counsel or other evidence satisfactory to it that such sale or disposition will not cause the Trust Estate to be subject to Prohibited Transactions Tax, otherwise subject the Trust Estate to tax, or cause either of the Upper-Tier REMIC or the Lower-Tier REMIC to fail to qualify as a REMIC while any Certificates are outstanding. Any amounts deposited in the Certificate Account prior to the Distribution Date shall be invested for the account of the Master Servicer and any investment income thereon shall be additional compensation to the Master Servicer for services rendered under this Agreement. The amount of any losses incurred in respect of any such investments shall be deposited in the Certificate Account by the Master Servicer out of its own funds immediately as realized. (d) For purposes of this Agreement, the Master Servicer will be deemed to have received from a Servicer on the applicable Remittance Date for such funds all amounts deposited by such Servicer into the Custodial Account for P&I maintained in accordance with the applicable Servicing Agreement, if such Custodial Account for P&I is not an Eligible Account as defined in this Agreement, to the extent such amounts are not actually received by the Master Servicer on such Remittance Date as a result of the bankruptcy, insolvency, receivership or other financial distress of the depository institution in which such Custodial Account for P&I is being held. To the extent that amounts so deemed to have been received by the Master Servicer are subsequently remitted to the Master Servicer, the Master Servicer shall be entitled to retain such amounts. SECTION 3.02 PERMITTED WITHDRAWALS FROM THE CERTIFICATE ACCOUNT. (a) The Master Servicer may, from time to time, make withdrawals from the Certificate Account for the following purposes (limited, in the case of Servicer reimbursements, to cases where funds in the respective Custodial P&I Account are not sufficient therefor): (i) to reimburse the Master Servicer, the Trustee or any Servicer for Periodic Advances made by the Master Servicer or the Trustee pursuant to Section 3.03(a) or any Servicer pursuant to any Servicing Agreement with respect to previous Distribution Dates, such right to reimbursement pursuant to this subclause (i) being limited to amounts received on or in respect of particular Mortgage Loans (including, for this purpose, Liquidation Proceeds, REO Proceeds and proceeds from the purchase, sale, repurchase or substitution of Mortgage Loans pursuant to Sections 2.02, 2.03, 2.06, 3.08 or 9.01) respecting which any such Periodic Advance was made; (ii) to reimburse any Servicer, the Master Servicer or the Trustee for any Periodic Advances determined in good faith to have become Nonrecoverable Advances provided, however, that any portion of Nonrecoverable Advances representing Fixed Retained Yield shall be reimbursable only from amounts constituting Fixed Retained Yield and not from the assets of the Trust Estate; (iii) to reimburse the Master Servicer or any Servicer from Liquidation Proceeds for Liquidation Expenses and for amounts expended by the Master Servicer or any Servicer pursuant hereto or to any Servicing Agreement, respectively, in good faith in connection with the restoration of damaged property or for foreclosure expenses; (iv) from any Mortgagor payment on account of interest or other recovery (including Net REO Proceeds) with respect to a particular Mortgage Loan, to pay the Master Servicing Fee with respect to such Mortgage Loan to the Master Servicer; (v) to reimburse the Master Servicer, any Servicer or the Trustee (or, in certain cases, the Seller) for expenses incurred by it (including taxes paid on behalf of the Trust Estate) and recoverable by or reimbursable to it pursuant to Section 3.03(c), 3.03(d) or 6.03 or the second sentence of Section 8.14(a) or pursuant to such Servicer's Servicing Agreement, provided such expenses are "unanticipated" within the meaning of the REMIC Provisions; (vi) to pay to the Seller or other purchaser with respect to each Mortgage Loan or property acquired in respect thereof that has been repurchased or replaced pursuant to Sections 2.02, 2.03 or 2.06 or auctioned pursuant to Section 3.08 or to pay to the Master Servicer with respect to each Mortgage Loan or property acquired in respect thereof that has been purchased pursuant to Section 3.08 or 9.01, all amounts received thereon and not required to be distributed as of the date on which the related repurchase or purchase price or Scheduled Principal Balance was determined; (vii) to remit funds to the Paying Agent in the amounts and in the manner provided for herein; (viii) to pay to the Master Servicer any interest earned on or investment income with respect to funds in the Certificate Account; (ix) to pay to the Master Servicer or any Servicer out of Liquidation Proceeds allocable to interest the amount of any unpaid Master Servicing Fee or Servicing Fee (as adjusted pursuant to the related Servicing Agreement) and any unpaid assumption fees, late payment charges or other Mortgagor charges on the related Mortgage Loan; (x) to pay to the Master Servicer as additional master servicing compensation any Liquidation Profits which a Servicer is not entitled to pursuant to the applicable Servicing Agreement; (xi) to withdraw from the Certificate Account any amount deposited in the Certificate Account that was not required to be deposited therein; (xii) to clear and terminate the Certificate Account pursuant to Section 9.01; and (xiii) to pay to WFHM from any Mortgagor payment on account of interest or other recovery (including Net REO Proceeds) with respect to a particular Mortgage Loan, the Fixed Retained Yield, if any, with respect to such Mortgage Loan; provided, however, that with respect to any payment of interest received by the Master Servicer in respect of a Mortgage Loan (whether paid by the Mortgagor or received as Liquidation Proceeds, Insurance Proceeds or otherwise) which is less than the full amount of interest then due with respect to such Mortgage Loan, only that portion of such payment of interest that bears the same relationship to the total amount of such payment of interest as the Fixed Retained Yield Rate, if any, in respect of such Mortgage Loan bears to the Mortgage Interest Rate shall be allocated to the Fixed Retained Yield with respect thereto. (b) The Master Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any payment to and withdrawal from the Certificate Account. SECTION 3.03 ADVANCES BY MASTER SERVICER AND TRUSTEE. (a) In the event an Other Servicer fails to make any required Periodic Advances of principal and interest on a Mortgage Loan as required by the related Other Servicing Agreement prior to the Distribution Date occurring in the month during which such Periodic Advance is due, the Master Servicer shall make Periodic Advances to the extent provided hereby. In the event WFHM fails to make any required Periodic Advances of principal and interest on a Mortgage Loan as required by the WFHM Servicing Agreement prior to the Distribution Date occurring in the month during which such Periodic Advance is due, the Trustee shall, to the extent required by Section 8.15, make such Periodic Advance to the extent provided hereby, provided that the Trustee has previously received the certificate of the Master Servicer described in the following sentence. The Master Servicer shall certify to the Trustee with respect to any such Distribution Date (i) the amount of Periodic Advances required of WFHM or such Other Servicer, as the case may be, (ii) the amount actually advanced by WFHM or such Other Servicer, (iii) the amount that the Trustee or Master Servicer is required to advance hereunder and (iv) whether the Master Servicer has determined that it reasonably believes that such Periodic Advance is a Nonrecoverable Advance. Amounts advanced by the Trustee or Master Servicer shall be deposited in the Certificate Account on the related Distribution Date. Notwithstanding the foregoing, neither the Master Servicer nor the Trustee will be obligated to make a Periodic Advance that it reasonably believes to be a Nonrecoverable Advance. The Trustee may conclusively rely for any determination to be made by it hereunder upon the determination of the Master Servicer as set forth in its certificate. (b) To the extent an Other Servicer fails to make an advance on account of the taxes or insurance premiums with respect to a Mortgage Loan required pursuant to the related Other Servicing Agreement, the Master Servicer shall, if the Master Servicer knows of such failure of the Servicer, advance such funds and take such steps as are necessary to pay such taxes or insurance premiums. To the extent WFHM fails to make an advance on account of the taxes or insurance premiums with respect to a Mortgage Loan required pursuant to the WFHM Servicing Agreement, the Master Servicer shall, if the Master Servicer knows of such failure of WFHM, certify to the Trustee that such failure has occurred. Upon receipt of such certification, the Trustee shall advance such funds and take such steps as are necessary to pay such taxes or insurance premiums. (c) The Master Servicer and the Trustee shall each be entitled to be reimbursed from the Certificate Account for any Periodic Advance made by it under Section 3.03(a) to the extent described in Section 3.02(a)(i) and (a)(ii). The Master Servicer and the Trustee shall be entitled to be reimbursed pursuant to Section 3.02(a)(v) for any advance by it pursuant to Section 3.03(b). The Master Servicer shall diligently pursue restoration of such amount to the Certificate Account from the related Servicer. The Master Servicer shall, to the extent it has not already done so, upon the request of the Trustee, withdraw from the Certificate Account and remit to the Trustee any amounts to which the Trustee is entitled as reimbursement pursuant to Section 3.02 (a)(i), (ii) and (v). (d) Except as provided in Section 3.03(a) and (b), neither the Master Servicer nor the Trustee shall be required to pay or advance any amount which any Servicer was required, but failed, to deposit in the Certificate Account. SECTION 3.04 TRUSTEE TO COOPERATE; RELEASE OF OWNER MORTGAGE LOAN FILES. Upon the receipt by the Master Servicer of a Request for Release in connection with the deposit by a Servicer into the Certificate Account of the proceeds from a Liquidated Loan or of a Prepayment in Full, the Master Servicer shall confirm to the Trustee that all amounts required to be remitted to the Certificate Account in connection with such Mortgage Loan have been so deposited, and shall deliver such Request for Release to the Trustee. The Trustee shall, within five Business Days of its receipt of such a Request for Release, release the related Owner Mortgage Loan File to the Master Servicer or such Servicer, as requested by the Master Servicer. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Certificate Account. From time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan, including but not limited to, collection under any insurance policies, or to effect a partial release of any Mortgaged Property from the lien of the Mortgage, the Servicer of such Mortgage Loan shall deliver to the Master Servicer a Request for Release. Upon the Master Servicer's receipt of any such Request for Release, the Master Servicer shall promptly forward such request to the Trustee and the Trustee shall, within five Business Days, release the related Owner Mortgage Loan File to the Master Servicer or such Servicer, as requested by the Master Servicer. Any such Request for Release shall obligate the Master Servicer or such Servicer, as the case may be, to return each and every document previously requested from the Owner Mortgage Loan File to the Trustee by the twenty-first day following the release thereof, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Certificate Account or (ii) the Owner Mortgage Loan File or such document has been delivered to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered to the Trustee a certificate of the Master Servicer or such Servicer certifying as to the name and address of the Person to which such Owner Mortgage Loan File or such document was delivered and the purpose or purposes of such delivery. Upon receipt of an Officer's Certificate of the Master Servicer or such Servicer stating that such Mortgage Loan was liquidated and that all amounts received or to be received in connection with such liquidation which are required to be deposited into the Certificate Account have been so deposited, or that such Mortgage Loan has become an REO Mortgage Loan, the Request for Release shall be released by the Trustee to the Master Servicer or such Servicer, as appropriate. Upon written certification of the Master Servicer or the Servicer pursuant to clause (ii) of the preceding paragraph, the Trustee shall execute and deliver to the Master Servicer or such Servicer, as directed by the Master Servicer, court pleadings, requests for trustee's sale or other documents necessary to the foreclosure or trustee's sale in respect of a Mortgaged Property or to any legal action brought to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage or to obtain a deficiency judgment, or to enforce any other remedies or rights provided by the Mortgage Note or Mortgage or otherwise available at law or in equity. Each such certification shall include a request that such pleadings or documents be executed by the Trustee and a statement as to the reason such documents or pleadings are required and that the execution and delivery thereof by the Trustee will not invalidate or otherwise affect the lien of the Mortgage, except for the termination of such a lien upon completion of the foreclosure proceeding or trustee's sale. SECTION 3.05 REPORTS TO THE TRUSTEE; ANNUAL COMPLIANCE STATEMENTS. (a) Not later than 15 days after each Distribution Date, the Master Servicer shall deliver to the Trustee a statement setting forth the status of the Certificate Account as of the close of business on such Distribution Date stating that all distributions required to be made by the Master Servicer under this Agreement have been made (or, if any required distribution has not been made by the Master Servicer, specifying the nature and status thereof) and showing, for the period covered by such statement, the aggregate amount of deposits into and withdrawals from such account for each category of deposit and withdrawal specified in Sections 3.01 and 3.02. Such statement may be in the form of the then current Fannie Mae monthly accounting report for its Guaranteed Mortgage Pass-Through Program with appropriate additions and changes, and shall also include information as to the aggregate unpaid principal balance of all of the Mortgage Loans as of the close of business as of the last day of the calendar month immediately preceding such Distribution Date. Copies of such statement shall be provided by the Trustee to any Certificateholder upon written request, provided such statement is delivered, or caused to be delivered, by the Master Servicer to the Trustee. (b) The Master Servicer shall deliver to the Trustee on or before April 30 of each year, a certificate signed by an officer of the Master Servicer, certifying that (i) such officer has reviewed the activities of the Master Servicer during the preceding calendar year or portion thereof and its performance under this agreement and (ii) to the best of such officer's knowledge, based on such review, the Master Servicer has performed and fulfilled its duties, responsibilities and obligations under this agreement in all material respects throughout such year, or, if there has been a default in the fulfillment of any such duties, responsibilities or obligations, specifying each such default known to such officer and the nature and status thereof, and, (iii) (A) the Master Servicer has received from each Servicer any financial statements, officer's certificates, accountant's statements or other information required to be provided to the Master Servicer pursuant to the related Servicing Agreement and (B) to the best of such officer's knowledge, based on a review of the information provided to the Master Servicer by each Servicer as described in (iii)(A) above, each Servicer has performed and fulfilled its duties, responsibilities and obligations under the related Servicing Agreement in all material respects throughout such year, or, if there has been a default in the fulfillment of any such duties, responsibilities or obligations, specifying each such default known to such officer and the nature and status thereof. Copies of such officers' certificate shall be provided by the Trustee to any Certificateholder upon written request provided such certificate is delivered, or caused to be delivered, by the Master Servicer to the Trustee. SECTION 3.06 TITLE, MANAGEMENT AND DISPOSITION OF ANY REO MORTGAGE LOAN. The Master Servicer shall ensure that each REO Mortgage Loan is administered by the related Servicer at all times so that it qualifies as "foreclosure property" under the REMIC Provisions and that it does not earn any "net income from foreclosure property" which is subject to tax under the REMIC Provisions. In the event that a Servicer is unable to dispose of any REO Mortgage Loan within the period mandated by each of the Servicing Agreements, the Master Servicer shall monitor such Servicer to verify that such REO Mortgage Loan is auctioned to the highest bidder within the period so specified. In the event of any such sale of a REO Mortgage Loan, the Trustee shall, at the written request of the Master Servicer and upon being supported with appropriate forms therefor, within five Business Days of the deposit by the Master Servicer of the proceeds of such sale or auction into the Certificate Account, release or cause to be released to the entity identified by the Master Servicer the related Owner Mortgage Loan File and Servicer Mortgage Loan File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in the auction purchaser title to the REO Mortgage Loan and the Trustee shall have no further responsibility with regard to such Owner Mortgage Loan File or Servicer Mortgage Loan File. Neither the Trustee, the Master Servicer nor any Servicer, acting on behalf of the Trust Estate, shall provide financing from the Trust Estate to any purchaser of an REO Mortgage Loan. SECTION 3.07 AMENDMENTS TO SERVICING AGREEMENTS, MODIFICATION OF STANDARD PROVISIONS. (a) Subject to the prior written consent of the Trustee pursuant to Section 3.07(b), the Master Servicer from time to time may, to the extent permitted by the applicable Servicing Agreement, make such modifications and amendments to such Servicing Agreement as the Master Servicer deems necessary or appropriate to confirm or carry out more fully the intent and purpose of such Servicing Agreement and the duties, responsibilities and obligations to be performed by the Servicer thereunder. Such modifications may only be made if they are consistent with the REMIC Provisions, as evidenced by an Opinion of Counsel. Prior to the issuance of any modification or amendment, the Master Servicer shall deliver to the Trustee such Opinion of Counsel and an Officer's Certificate setting forth (i) the provision that is to be modified or amended, (ii) the modification or amendment that the Master Servicer desires to issue and (iii) the reason or reasons for such proposed amendment or modification. (b) The Trustee shall consent to any amendment or supplement to a Servicing Agreement proposed by the Master Servicer pursuant to Section 3.07(a), which consent and amendment shall not require the consent of any Certificateholder if it is (i) for the purpose of curing any mistake or ambiguity or to further effect or protect the rights of the Certificateholders or (ii) for any other purpose, provided such amendment or supplement for such other purpose cannot reasonably be expected to adversely affect Certificateholders. The lack of reasonable expectation of an adverse effect on Certificateholders may be established through the delivery to the Trustee of (i) an Opinion of Counsel to such effect or (ii) written notification from each Rating Agency to the effect that such amendment or supplement will not result in reduction of the current rating assigned by that Rating Agency to the Certificates. Notwithstanding the two immediately preceding sentences, the Trustee may, in its discretion, decline to enter into or consent to any such supplement or amendment if its own rights, duties or immunities shall be adversely affected. (c) (i) Notwithstanding anything to the contrary in this Section 3.07, the Master Servicer from time to time may, without the consent of any Certificateholder, or the Trustee, enter into an amendment (A) to an Other Servicing Agreement for the purpose of (i) eliminating or reducing Month End Interest and (ii) providing for the remittance of Full Unscheduled Principal Receipts by the applicable Servicer to the Master Servicer not later than the 24th day of each month (or if such day is not a Business Day, on the previous Business Day) or (B) to the WFHM Servicing Agreement for the purpose of changing the applicable Remittance Date to the 18th day of each month (or if such day is not a Business Day, on the previous Business Day). (ii) The Master Servicer may direct WFHM to enter into an amendment to the WFHM Servicing Agreement for the purposes described in Sections 3.07(c)(i)(B) and 10.01(b)(iii). SECTION 3.08 OVERSIGHT OF SERVICING. The Master Servicer shall supervise, monitor and oversee the servicing of the Mortgage Loans by each Servicer and the performance by each Servicer of all services, duties, responsibilities and obligations (including the obligation to maintain an Errors and Omissions Policy and Fidelity Bond) that are to be observed or performed by the Servicer under its respective Servicing Agreement. In performing its obligations hereunder, the Master Servicer shall act in a manner consistent with Accepted Master Servicing Practices and with the Trustee's and the Certificateholders' reliance on the Master Servicer, and in a manner consistent with the terms and provisions of any insurance policy required to be maintained by the Master Servicer or any Servicer pursuant to this Agreement or any Servicing Agreement. The Master Servicer acknowledges that prior to taking certain actions required to service the Mortgage Loans, each Servicing Agreement provides that the Servicer thereunder must notify, consult with, obtain the consent of or otherwise follow the instructions of the Master Servicer. The Master Servicer is also given authority to waive compliance by a Servicer with certain provisions of its Servicing Agreement. In each such instance, the Master Servicer shall promptly instruct such Servicer or otherwise respond to such Servicer's request. In no event will the Master Servicer instruct such Servicer to take any action, give any consent to action by such Servicer or waive compliance by such Servicer with any provision of such Servicer's Servicing Agreement if any resulting action or failure to act would be inconsistent with the requirements of the Rating Agencies that rated the Certificates or would otherwise have an adverse effect on the Certificateholders. Any such action or failure to act shall be deemed to have an adverse effect on the Certificateholders if such action or failure to act either results in (i) the downgrading of the rating assigned by any Rating Agency to the Certificates, (ii) the loss by the Upper-Tier REMIC or the Lower-Tier REMIC of REMIC status for federal income tax purposes or (iii) the imposition of any Prohibited Transaction Tax or any federal taxes on either the Upper-Tier REMIC, the Lower-Tier REMIC or the Trust Estate. The Master Servicer shall have full power and authority in its sole discretion to take any action with respect to the Trust Estate as may be necessary or advisable to avoid the circumstances specified including clause (ii) or (iii) of the preceding sentence. For the purposes of determining whether any modification of a Mortgage Loan shall be permitted by the Master Servicer, such modification shall be construed as a substitution of the modified Mortgage Loan for the Mortgage Loan originally deposited in the Trust Estate if it would be a "significant modification" within the meaning of Section 1.860G-2(b) of the regulations of the U.S. Department of the Treasury. No modification shall be approved unless (i) the modified Mortgage Loan would qualify as a Substitute Mortgage Loan under Section 2.02 and (ii) with respect to any modification that occurs more than three months after the Closing Date and is not the result of a default or a reasonably foreseeable default under the Mortgage Loan, there is delivered to the Trustee an Opinion of Counsel (at the expense of the party seeking to modify the Mortgage Loan) to the effect that such modification would not be treated as giving rise to a new debt instrument for federal income tax purposes as described in the preceding sentence; provided, however, that no such Opinion of Counsel need be delivered if the sole purpose of the modification is to reduce the Monthly Payment on a Mortgage Loan as a result of a Curtailment such that the Mortgage Loan is fully amortized by its original maturity date. During the term of this Agreement, the Master Servicer shall consult fully with each Servicer as may be necessary from time to time to perform and carry out the Master Servicer's obligations hereunder and otherwise exercise reasonable efforts to encourage such Servicer to perform and observe the covenants, obligations and conditions to be performed or observed by it under its Servicing Agreement. The relationship of the Master Servicer 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. The Master Servicer shall administer the Trust Estate on behalf of the Trustee and shall have full power and authority, acting alone or (subject to Section 6.06) through one or more subcontractors, to do any and all things in connection with such administration which it may deem necessary or desirable. Upon the execution and delivery of this Agreement, and from time to time as may be required thereafter, the Trustee shall furnish the Master Servicer or its subcontractors with any powers of attorney and such other documents as may be necessary or appropriate to enable the Master Servicer to carry out its administrative duties hereunder. The Seller shall have a limited option to repurchase any defaulted Mortgage Loan or REO Mortgage Loan during the following time periods: (i) beginning on the first day of the second month following the month in which the Master Servicer has reported that a Servicer has initiated foreclosure proceedings with respect to such a defaulted Mortgage Loan, with such repurchase option expiring on the last day of such second following month; (ii) beginning on the first day of the second month following the month in which the Master Servicer has reported that such defaulted Mortgage Loan has become an REO Mortgage Loan, with such repurchase option expiring on the last day of such second following month; and (iii) beginning on the day on which a Servicer accepts a contractual commitment by a third party to purchase the Mortgaged Property related to the defaulted Mortgage Loan or REO Mortgage Loan, with such repurchase option expiring on the earlier of the last day of the month in which such contractual commitment was accepted by the Servicer or the day immediately prior to the day on which the closing occurs with respect to such third party purchase of the Mortgaged Property related to the defaulted Mortgage Loan or REO Mortgage Loan. The Seller shall be entitled to repurchase at its option any Mortgage Loan in the Trust Estate which, pursuant to paragraph 5(b) of the Mortgage Loan Purchase Agreement, WFHM requests the Seller to repurchase and to sell to WFHM to facilitate the exercise of WFHM's rights against the originator or a prior holder of such Mortgage Loan. The purchase price for any Mortgage Loan repurchased pursuant to this paragraph shall be 100% of the unpaid principal balance of such Mortgage Loan plus accrued interest thereon at the Mortgage Interest 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 Master Servicer shall provide to the Trustee the certification required by Section 3.04 and the Trustee and the Custodian, if any, shall promptly release to the Seller the Owner Mortgage Loan File relating to the Mortgage Loan being repurchased. In the event that (i) the Master Servicer determines at any time that, notwithstanding the representations and warranties set forth in Section 2.03(b), any Mortgage Loan is not a "qualified mortgage" within the meaning of Section 860G of the Code and (ii) the Master Servicer is unable to enforce the obligation of the Seller to purchase such Mortgage Loan pursuant to Section 2.02 within two months of such determination, the Master Servicer shall cause such Mortgage Loan to be auctioned to the highest bidder and sold out of the Trust Estate no later than the date 90 days after such determination. In the event of any such sale of a Mortgage Loan, the Trustee shall, at the written request of the Master Servicer and upon being supported with appropriate forms therefor, within five Business Days of the deposit by the Master Servicer of the proceeds of such auction into the Certificate Account, release or cause to be released to the entity identified by the Master Servicer the related Owner Mortgage Loan File and Servicer Mortgage Loan File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in the auction purchaser title to the Mortgage Loan and the Trustee shall have no further responsibility with regard to such Owner Mortgage Loan File or Servicer Mortgage Loan File. Neither the Trustee, the Master Servicer nor any Servicer, acting on behalf of the Trustee, shall provide financing from the Trust Estate to any purchaser of a Mortgage Loan. The Master Servicer, on behalf of the Trustee, shall, pursuant to the Servicing Agreements, object to the foreclosure upon, or other related conversion of the ownership of, any Mortgaged Property by the related Servicer if (i) the Master Servicer believes such Mortgaged Property may be contaminated with or affected by hazardous wastes or hazardous substances or (ii) such Servicer does not agree to administer such Mortgaged Property, once the related Mortgage Loan becomes an REO Mortgage Loan, in a manner which would not result in a federal tax being imposed upon the Trust Estate or the Upper-Tier REMIC or Lower-Tier REMIC. The Master 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 and/or other subordinated mortgage pass-through certificates, such agreement to be substantially in the form of Exhibit M hereto or subject to each Rating Agency's acknowledgment that the ratings of the Certificates in effect immediately prior to the entering into of 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 Master Servicer to instruct a Servicer to the extent provided in the applicable Servicing Agreement 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. SECTION 3.09 TERMINATION AND SUBSTITUTION OF SERVICING AGREEMENTS. Upon the occurrence of any event for which a Servicer may be terminated pursuant to its Servicing Agreement, the Master Servicer shall promptly deliver to the Seller and the Trustee an Officer's Certificate certifying that an event has occurred which may justify termination of such Servicing Agreement, describing the circumstances surrounding such event and recommending what action should be taken by the Trustee with respect to such Servicer. If the Master Servicer recommends that such Servicing Agreement be terminated, the Master Servicer's certification must state that the breach is material and not merely technical in nature. Upon written direction of the Master Servicer, based upon such certification, the Trustee shall promptly terminate such Servicing Agreement. Notwithstanding the foregoing, in the event that (i) WFHM fails to make any advance, as a consequence of which the Trustee is obligated to make an advance pursuant to Section 3.03 and (ii) the Trustee provides WFHM written notice of the failure to make such advance and such failure shall continue unremedied for a period of 15 days after receipt of such notice, the Trustee shall terminate the WFHM Servicing Agreement without the recommendation of the Master Servicer. The Master Servicer shall indemnify the Trustee and hold it harmless from and against any and all claims, liabilities, costs and expenses (including, without limitation, reasonable attorneys' fees) arising out of, or assessed against the Trustee in connection with termination of such Servicing Agreement at the direction of the Master Servicer. If the Trustee terminates such Servicing Agreement, the Trustee may enter into a substitute Servicing Agreement with the Master Servicer or, at the Master Servicer's nomination, with another mortgage loan service company acceptable to the Trustee, the Master Servicer and each Rating Agency under which the Master Servicer or such substitute servicer, as the case may be, shall assume, satisfy, perform and carry out all liabilities, duties, responsibilities and obligations that are to be, or otherwise were to have been, satisfied, performed and carried out by such Servicer under such terminated Servicing Agreement. Until such time as the Trustee enters into a substitute servicing agreement with respect to the Mortgage Loans previously serviced by such Servicer, the Master Servicer shall assume, satisfy, perform and carry out all obligations which otherwise were to have been satisfied, performed and carried out by such Servicer under its terminated Servicing Agreement. However, in no event shall the Master Servicer be deemed to have assumed the obligations of a Servicer to advance payments of principal and interest on a delinquent Mortgage Loan in excess of the Master Servicer's independent Periodic Advance obligation under Section 3.03 of this Agreement. As compensation for the Master Servicer of any servicing obligations fulfilled or assumed by the Master Servicer, the Master Servicer shall be entitled to any servicing compensation to which a Servicer would have been entitled if the Servicing Agreement with such Servicer had not been terminated. SECTION 3.10 APPLICATION OF NET LIQUIDATION PROCEEDS. For all purposes under this agreement, Net Liquidation Proceeds received from a Servicer shall be allocated first to accrued and unpaid interest on the related Mortgage Loan and then to the unpaid principal balance thereof. SECTION 3.11 ACT REPORTS. The Master Servicer shall, on behalf of the Seller, make all filings required to be made by the Seller with respect to the Class A Certificates and the Class B-1, Class B-2 and Class B-3 Certificates pursuant to the Securities Exchange Act of 1934, as amended. ARTICLE IV DISTRIBUTIONS IN RESPECT OF CERTIFICATES; PAYMENTS TO CERTIFICATEHOLDERS; STATEMENTS AND REPORTS SECTION 4.01 DISTRIBUTIONS. (a) (i) On each Distribution Date, the Pool Distribution Amount will be applied in the following amounts, to the extent the Pool Distribution Amount is sufficient therefor, in the manner and in the order of priority as follows: first, to the Classes of Class A Certificates, pro rata, based upon their respective Interest Accrual Amounts, in an aggregate amount up to the Class A Interest Accrual Amount with respect to such Distribution Date; provided that prior to the Accretion Termination Date, an amount equal to the amount that would otherwise be distributable in respect of interest to the Accrual Certificates pursuant to this provision will instead be distributed in reduction of the Principal Balances of certain Classes of Class A Certificates, in each case in accordance with Section 4.01(b); second, to the Classes of Class A Certificates, pro rata, based upon their respective Class A Unpaid Interest Shortfalls, in an aggregate amount up to the Aggregate Class A Unpaid Interest Shortfall; provided that prior to the Accretion Termination Date, an amount equal to the amount that would otherwise be distributable in respect of unpaid interest shortfalls to the Accrual Certificates pursuant to this provision will instead be distributed in reduction of the Principal Balances of certain Classes of Class A Certificates, in each case in accordance with Section 4.01(b); third, concurrently, to the Class A Certificates (other than the Class A-PO Certificates) and the Class A-PO Certificates, pro rata, based on their respective Class A Non-PO Optimal Principal Amount and Class A-PO Optimal Principal Amount, (A) to the Class A Certificates (other than the Class A-PO Certificates), in an aggregate amount up to the Class A Non-PO Optimal Principal Amount, such distribution to be allocated among such Classes in accordance with Section 4.01(b) or Section 4.01(c), as applicable, and (B) to the Class A-PO Certificates in an amount up to the Class A-PO Optimal Principal Amount; fourth, to the Class A-PO Certificates in an amount up to the Class A-PO Deferred Amount from amounts otherwise distributable (without regard to this Paragraph fourth) first to the Class B-6 Certificates pursuant to Paragraph twenty-second, below, second to the Class B-5 Certificates pursuant to Paragraph nineteenth, below, third to the Class B-4 Certificates pursuant to Paragraph sixteenth, below, fourth to the Class B-3 Certificates pursuant to Paragraph thirteenth below, fifth to the Class B-2 Certificates pursuant to Paragraph tenth below, and sixth to the Class B-1 Certificates pursuant to Paragraph seventh below; fifth, to the Class B-1 Certificates, in an amount up to the Interest Accrual Amount for the Class B-1 Certificates with respect to such Distribution Date; sixth, to the Class B-1 Certificates in an amount up to the Class B-1 Unpaid Interest Shortfall; seventh, to the Class B-1 Certificates in an amount up to the Class B-1 Optimal Principal Amount; provided, however, that the amount distributable to the Class B-1 Certificates pursuant to this Paragraph seventh will be reduced by the amount, if any, that would have been distributable to the Class B-1 Certificates hereunder used to pay the Class A-PO Deferred Amount as provided in Paragraph fourth above; eighth, to the Class B-2 Certificates, in an amount up to the Interest Accrual Amount for the Class B-2 Certificates with respect to such Distribution Date; ninth, to the Class B-2 Certificates in an amount up to the Class B-2 Unpaid Interest Shortfall; tenth, to the Class B-2 Certificates in an amount up to the Class B-2 Optimal Principal Amount; provided, however, that the amount distributable to the Class B-2 Certificates pursuant to this Paragraph tenth will be reduced by the amount, if any, that would have been distributable to the Class B-2 Certificates hereunder used to pay the Class A-PO Deferred Amount as provided in Paragraph fourth above; eleventh, to the Class B-3 Certificates, in an amount up to the Interest Accrual Amount for the Class B-3 Certificates with respect to such Distribution Date; twelfth, to the Class B-3 Certificates in an amount up to the Class B-3 Unpaid Interest Shortfall; thirteenth, to the Class B-3 Certificates in an amount up to the Class B-3 Optimal Principal Amount; provided, however, that the amount distributable to the Class B-3 Certificates pursuant to this Paragraph thirteenth will be reduced by the amount, if any, that would have been distributable to the Class B-3 Certificates hereunder used to pay the Class A-PO Deferred Amount as provided in Paragraph fourth above; fourteenth, to the Class B-4 Certificates in an amount up to the Interest Accrual Amount for the Class B-4 Certificates with respect to such Distribution Date; fifteenth, to the Class B-4 Certificates in an amount up to the Class B-4 Unpaid Interest Shortfall; sixteenth, to the Class B-4 Certificates in an amount up to the Class B-4 Optimal Principal Amount; provided, however, that the amount distributable to the Class B-4 Certificates pursuant to this Paragraph sixteenth will be reduced by the amount, if any, that would have been distributable to the Class B-4 Certificates hereunder used to pay the Class A-PO Deferred Amount as provided in Paragraph fourth above; seventeenth, to the Class B-5 Certificates in an amount up to the Interest Accrual Amount for the Class B-5 Certificates with respect to such Distribution Date; eighteenth, to the Class B-5 Certificates in an amount up to the Class B-5 Unpaid Interest Shortfall; nineteenth, to the Class B-5 Certificates in an amount up to the Class B-5 Optimal Principal Amount; provided, however, that the amount distributable to the Class B-5 Certificates pursuant to this Paragraph nineteenth will be reduced by the amount, if any, that would have been distributable to the Class B-5 Certificates hereunder used to pay the Class A-PO Deferred Amount as provided in Paragraph fourth above; twentieth, to the Class B-6 Certificates in an amount up to the Interest Accrual Amount for the Class B-6 Certificates with respect to such Distribution Date; twenty-first, to the Class B-6 Certificates in an amount up to the Class B-6 Unpaid Interest Shortfall; twenty-second, to the Class B-6 Certificates in an amount up to the Class B-6 Optimal Principal Amount; provided, however, that the amount distributable to the Class B-6 Certificates pursuant to this Paragraph twenty-second will be reduced by the amount, if any, that would have been distributable to the Class B-6 Certificates hereunder used to pay the Class A-PO Deferred Amount as provided in Paragraph fourth above; and twenty-third, 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 amounts remaining in the Payment Account. Notwithstanding the foregoing, after the Principal Balance or notional amount of any Class (other than the Class A-R or Class A-LR Certificate) has been reduced to zero, such Class will be entitled to no further distributions of principal or interest (including, without limitation, any Unpaid Interest Shortfalls). With respect to any Distribution Date, the amount of the Principal Adjustment, if any, attributable to any Class of Class B Certificates will be allocated to the Classes of Class A Certificates (other than the Class A-15 and Class A-PO Certificates) and any Class of Class B Certificates with a lower numerical designation pro rata based on their outstanding Principal Balances. (ii) Distributions on the Uncertificated Lower-Tier Interests. 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 its respective Corresponding Upper-Tier Class or Classes as provided herein. On each Distribution Date, each Uncertificated Lower-Tier Interest (other than the Class A-L12 Interest and the Class A-L13 Interest) shall receive distributions in respect of interest in an amount equal to the Interest Accrual Amounts and Unpaid Interest Shortfalls, as the case may be, in respect of its Corresponding Upper-Tier Class or Classes, in each case to the extent actually distributed thereon. On each Distribution Date, the Class A-L12 Interest shall receive a distribution in respect of interest in an amount equal to the sum of (i) the Interest Accrual Amount and any distribution in respect of Class A Unpaid Interest Shortfalls in each case actually distributed on the Class A-12 Certificates and (ii) the product of the Class A-L12 Interest Fraction and the Interest Accrual Amount and any distribution in respect of Class A Unpaid Interest Shortfalls in each case actually distributed on the Class A-15 Certificates. On each Distribution Date, the Class A-L13 Interest shall receive a distribution in respect of interest in an amount equal to the sum of (i) the Interest Accrual Amount and any distribution in respect of Class A Unpaid Interest Shortfalls in each case actually distributed on the Class A-13 Certificates and (ii) the product of the Class A-L13 Interest Fraction and the Interest Accrual Amount and any distribution in respect of Class A Unpaid Interest Shortfalls in each case actually distributed on the Class A-15 Certificates. On each Distribution Date, each Uncertificated Lower-Tier Interest shall receive distributions in respect of interest in an amount equal to the Interest Accrual Amounts and Unpaid Interest Shortfalls, as the case may be, in respect of its Corresponding Upper-Tier Class or Classes, in each case to the extent actually distributed thereon. 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 Principal Balances of the respective Corresponding Upper-Tier Class or Classes. The initial principal balance of each Uncertificated Lower-Tier Interest equals the Original Principal Balances of the respective Corresponding Upper-Tier Class or Classes. The pass-through rate with respect to the Class A-L1 Interest, Class A-L4 Interest, Class A-L12 Interest, Class A-L13 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 6.500% per annum. The Class A-LPO Interest is a principal-only interest and is not entitled to distributions of interest. 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) The Class A-15 Certificates are interest-only Certificates and are not entitled to distributions in respect of principal. I. On each Distribution Date occurring prior to the Accretion Termination Date, the Accrual Distribution Amount will be distributed sequentially as follows: first, to the Class A-4 and Class A-5 Certificates, pro rata; and second, to the Class A-6 Certificates. II. On each Distribution Date occurring prior to the Subordination Depletion Date, the Class A Non-PO Principal Amount will be allocated among and distributed in reduction of the Principal Balances of the Class A Certificates (other than the Class A-PO Certificates) sequentially as follows: first, concurrently, to the Class A-R and Class A-LR Certificates, pro rata; second, concurrently, up to the Priority Amount for such Distribution Date, as follows: (i) 21.5155555556% sequentially to the Class A-10 and Class A-11 Certificates; (ii) 16.6666666667% to the Class A-16 Certificates; (iii) 0.9166666667% to the Class A-17 Certificates; and (iv) 60.9011111110% to the Class A-18 Certificates; third, concurrently, as follows: (i) 40.4031466453% sequentially as follows: (a) sequentially, to the Class A-12, Class A-13 and Class A-14 Certificates, up to the PAC Principal Amount for such Distribution Date; (b) concurrently, to the Class A-4 and Class A-5 Certificates, pro rata; (c) to the Class A-6 Certificates; and (d) sequentially, to the Class A-12, Class A-13 and Class A-14 Certificates; (ii) 21.2910093874% to the Class A-3 Certificates; (iii) 22.7617480748%, sequentially, to the Class A-2 and Class A-9 Certificates; and (iv) 15.5440958925%, sequentially, to the Class A-1 and Class A-8 Certificates; fourth, to the Class A-7 Certificates; and fifth, concurrently, as follows: (i) 21.5155555556% sequentially to the Class A-10 and Class A-11 Certificates; (ii) 16.6666666667% to the Class A-16 Certificates; (iii) 0.9166666667% to the Class A-17 Certificates; and (iv) 60.9011111110% to the Class A-18 Certificates. The "PAC Principal Amount" for any Distribution Date means the amount, if any, that would reduce the sum of the Principal Balances of the PAC Group to the percentage of the sum of the initial Principal Balances of the PAC Group shown in the related table with respect to such Distribution Date. The following table sets forth for each Distribution Date the planned Principal Balance for the PAC Group, expressed as a percentage of the initial aggregate Principal Balance or initial Principal Balance of such Group. PLANNED PRINCIPAL BALANCES AS PERCENTAGES OF AGGREGATE INITIAL PRINCIPAL BALANCE PAC GROUP
PERCENTAGE OF PERCENTAGE OF PERCENTAGE OF AGGREGATE INITIAL AGGREGATE INITIAL AGGREGATE INITIAL DISTRIBUTION DATE PRINCIPAL BALANCE DISTRIBUTION DATE PRINCIPAL BALANCE DISTRIBUTION DATE PRINCIPAL BALANCE ----------------- ----------------- ----------------- ----------------- ----------------- ----------------- Up to and including January 2002...... 99.65504268% June 2004......... 70.71618540% December 2006..... 29.60471635% February 2002..... 99.26383210 July 2004......... 69.24205776 January 2007...... 28.40277191 March 2002........ 98.82650208 August 2004....... 67.77542920 February 2007..... 27.20719050 April 2002........ 98.34318029 September 2004.... 66.31626156 March 2007........ 26.01793971 May 2002.......... 97.81401824 October 2004...... 64.86451682 April 2007........ 24.83498729 June 2002......... 97.23919127 November 2004..... 63.42015720 May 2007.......... 23.65830119 July 2002......... 96.61889847 December 2004..... 61.98314509 June 2007......... 22.48784951 August 2002....... 95.95336261 January 2005...... 60.55344310 July 2007......... 21.32360051 September 2002.... 95.24283001 February 2005..... 59.13101401 August 2007....... 20.16552263 October 2002...... 94.48757044 March 2005........ 57.71582081 September 2007.... 19.01358450 November 2002..... 93.68787697 April 2005........ 56.30782668 October 2007...... 17.86775489 December 2002..... 92.84406580 May 2005.......... 54.90699499 November 2007..... 16.72800274 January 2003...... 91.95647606 June 2005......... 53.51328931 December 2007..... 15.59429715 February 2003..... 91.02546964 July 2005......... 52.12667339 January 2008...... 14.48739441 March 2003........ 90.05143091 August 2005....... 50.74711117 February 2008..... 13.38640173 April 2003........ 89.03476653 September 2005.... 49.37456679 March 2008........ 12.29128885 May 2003.......... 87.97590516 October 2005...... 48.00900456 April 2008........ 11.20202568 June 2003......... 86.87529714 November 2005..... 46.65038899 May 2008.......... 10.11858229 July 2003......... 85.73341427 December 2005..... 45.29868477 June 2008......... 9.04092887 August 2003....... 84.55074939 January 2006...... 43.95385677 July 2008......... 7.96954507 September 2003.... 83.32781611 February 2006..... 42.61587007 August 2008....... 6.92758882 October 2003...... 82.06514841 March 2006........ 41.28468989 September 2008.... 5.91433614 November 2003..... 80.76330028 April 2006........ 39.96028166 October 2008...... 4.92908011 December 2003..... 79.42284532 May 2006.......... 38.64261100 November 2008..... 3.97113053 January 2004...... 78.04437632 June 2006......... 37.33164367 December 2008..... 3.03981347 February 2004..... 76.62850484 July 2006......... 36.02734565 January 2009...... 2.26706802 March 2004........ 75.17586074 August 2006....... 34.72968308 February 2009..... 1.51647010 April 2004........ 73.68709177 September 2006.... 33.43862228 March 2009........ 0.78744849 May 2004.......... 72.19785055 October 2006...... 32.15412975 April 2009........ 0.07944590 November 2006..... 30.87617216 May 2009.......... and therefore 0.00000000%
(c) Notwithstanding the foregoing, on each Distribution Date occurring on or subsequent to the Subordination Depletion Date, the Class A Non-PO Principal Distribution Amount shall be distributed among the Class A Certificates (other than the Class A-PO Certificates) pro rata in accordance with their outstanding Principal Balances without regard to either the proportions or the priorities set forth in Section 4.01(b). (d) (i) For purposes of determining whether the Classes of Class B Certificates are eligible to receive distributions of principal with respect to any Distribution Date, the following tests shall apply: (A) if the Current Class B-1 Fractional Interest is less than the Original Class B-1 Fractional Interest and the Class B-1 Principal Balance is greater than zero, the Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates shall not be eligible to receive distributions of principal; or (B) if the Current Class B-2 Fractional Interest is less than the Original Class B-2 Fractional Interest and the Class B-2 Principal Balance is greater than zero, the Class B-3, Class B-4, Class B-5 and Class B-6 Certificates shall not be eligible to receive distributions of principal; or (C) if the Current Class B-3 Fractional Interest is less than the Original Class B-3 Fractional Interest and the Class B-3 Principal Balance is greater than zero, the Class B-4, Class B-5 and Class B-6 Certificates shall not be eligible to receive distributions of principal; or (D) if the Current Class B-4 Fractional Interest is less than the Original Class B-4 Fractional Interest and the Class B-4 Principal Balance is greater than zero, the Class B-5 and Class B-6 Certificates shall not be eligible to receive distributions of principal; or (E) if the Current Class B-5 Fractional Interest is less than the Original Class B-5 Fractional Interest and the Class B-5 Principal Balance is greater than zero, the Class B-6 Certificates shall not be eligible to receive distributions of principal. (ii) Notwithstanding the foregoing, if on any Distribution Date the aggregate distributions to Holders of the Classes of Class B Certificates entitled to receive distributions of principal would reduce the Principal Balances of the Classes of Class B Certificates entitled to receive distributions of principal below zero, first the Class B Prepayment Percentage of any affected Class of Class B Certificates for such Distribution Date beginning with the affected Class with the lowest numerical Class designation and then, if necessary, the Class B Percentage of such Class of the Class B Certificates for such Distribution Date shall be reduced to the respective percentages necessary to bring the Principal Balance of such Class of Class B Certificates to zero. The Class B Prepayment Percentages and the Class B Percentages of the remaining Classes of Class B Certificates will be recomputed substituting for the Subordinated Prepayment Percentage and Subordinated Percentage in such computations the difference between (A) the Subordinated Prepayment Percentage or Subordinated Percentage, as the case may be, and (B) the percentages determined in accordance with the preceding sentence necessary to bring the Principal Balances of the affected Classes of Class B Certificates to zero; provided, however, that if the Principal Balances of all the Classes of Class B Certificates eligible to receive distributions of principal shall be reduced to zero on such Distribution Date, the Class B Prepayment Percentage and the Class B Percentage of the Class of Class B Certificates with the lowest numerical Class designation which would otherwise be ineligible to receive distributions of principal in accordance with this Section shall equal the remainder of the Subordinated Prepayment Percentage for such Distribution Date minus the sum of the Class B Prepayment Percentages of the Classes of Class B Certificates having lower numerical Class designations, if any, and the remainder of the Subordinated Percentage for such Distribution Date minus the sum of the Class B Percentages of the Classes of Class B Certificates having lower numerical Class designations, if any, respectively. Any entitlement of any Class of Class B Certificates to principal payments solely pursuant to this clause (ii) shall not cause such Class to be regarded as being eligible to receive principal distributions for the purpose of applying the definition of its Class B Percentage or Class B Prepayment Percentage. (e) The Trustee shall establish and maintain the Upper-Tier Certificate Account, which shall be a separate trust account and an Eligible 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 Seller), the Paying Agent shall, on behalf of the Master Servicer, from funds available on deposit in the Payment Account, (i) deposit, in immediately available funds, by wire transfer or otherwise, into the Upper-Tier Certificate Account the Lower-Tier Distribution Amount and (ii) distribute to the Class A-LR Certificateholder (other than as provided in Section 9.01 respecting the final distribution to Certificateholders) by check mailed to such Holder at the address of such Holder appearing in the Certificate Register, the Class A Distribution Amount with respect to the Class A-LR Certificate and all other amounts distributable to the Class A-LR Certificate. The Trustee may clear and terminate the Upper-Tier Certificate Account pursuant to Section 9.01. (f) 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 Seller), the Paying Agent shall, on behalf of the Master Servicer, from funds remitted to it by the Master Servicer, distribute to each Certificateholder of record (other than the Class A-LR Certificateholder) on the preceding Record Date (other than as provided in Section 9.01 respecting the final distribution to Certificateholders or in the last paragraph of this Section 4.01(f) respecting the final distribution in respect of any Class) either in immediately available funds by wire transfer to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder holds Certificates having a Denomination at least equal to that specified in Section 11.23, and has so notified the Master Servicer or, if applicable, the Paying Agent at least seven Business Days prior to the Distribution Date or, if such Holder holds Certificates having, in the aggregate, a Denomination less than the requisite minimum Denomination or if such Holder holds the Class A-R Certificate or has not so notified the Paying Agent, by check mailed to such Holder at the address of such Holder appearing in the Certificate Register, such Holder's share of the Class A Distribution Amount with respect to each Class of Class A Certificates and the Class B Distribution Amount with respect to each Class of Class B Certificates. In the event that, on any Distribution Date prior to the Final Distribution Date, the Principal Balance of any Class of Class A Certificates (other than the Class A-15, Class A-R or Class A-LR Certificates) or the Principal Balance of any Class of Class B Certificates would be reduced to zero or, in the case of the Class A-15 Certificates, the Notional Amount would be reduced to zero, the Master Servicer shall, as soon as practicable after the Determination Date relating to such Distribution Date, send a notice to the Trustee. The Trustee will then send a notice to each Certificateholder of such Class with a copy to the Certificate Registrar, specifying that the final distribution with respect to such Class will be made on such Distribution Date only upon the presentation and surrender of such Certificateholder's Certificates at the office or agency of the Trustee therein specified; provided, however, that the failure to give such notice will not entitle a Certificateholder to any interest beyond the interest payable with respect to such Distribution Date in accordance with Section 4.01(a)(i). (g) The Paying Agent (or if no Paying Agent is appointed by the Master Servicer, the Master Servicer) shall withhold or cause to be withheld such amounts as may be required by the Code (giving full effect to any exemptions from withholding and related certifications required to be furnished by Certificateholders and any reductions to withholding by virtue of any bilateral tax treaties and any applicable certification required to be furnished by Certificateholders with respect thereto) from distributions to be made to Persons other than U.S. Persons ("Non-U.S. Persons"). Amounts withheld pursuant to this Section 4.01(g) shall be treated as having been distributed to the related Certificateholder for all purposes of this Agreement. For the purposes of this paragraph, a "U.S. Person" is 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). SECTION 4.02 ALLOCATION OF REALIZED LOSSES. (a) With respect to any Distribution Date, the principal portion of Realized Losses (other than Debt Service Reductions, Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses) will be allocated as follows: first, to the Class B-6 Certificates until the Class B-6 Principal Balance has been reduced to zero; second, to the Class B-5 Certificates until the Class B-5 Principal Balance has been reduced to zero; third, to the Class B-4 Certificates until the Class B-4 Principal Balance has been reduced to zero; fourth, to the Class B-3 Certificates until the Class B-3 Principal Balance has been reduced to zero; fifth, to the Class B-2 Certificates until the Class B-2 Principal Balance has been reduced to zero; sixth, to the Class B-1 Certificates until the Class B-1 Principal Balance has been reduced to zero; and seventh, concurrently, to the Class A Certificates (other than the Class A-PO Certificates) and Class A-PO Certificates, pro rata, based on the Non-PO Fraction and the PO Fraction, respectively. This allocation of Realized Losses will be effected through the reduction of the applicable Class's Principal Balance. (b) With respect to any Distribution Date, the principal portion of Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses occurring with respect to any Mortgage Loan allocable to the Class A-PO Certificates will equal the product of the amount of any such principal loss and the PO Fraction for such Mortgage Loan. The principal portion of any Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses remaining after allocation to the Class A-PO Certificates in accordance with the preceding sentence shall be allocated pro rata among the Class A Certificates (other than the Class A-PO Certificates) and Class B Certificates based on the Class A Non-PO Principal Balance and the Class B Principal Balance, respectively. Any such loss allocated to the Class A Certificates shall be allocated on the subsequent Determination Date to the outstanding Classes of Class A Certificates (other than the Class A-PO Certificates) in accordance with the Class A Loss Percentages as of such Determination Date. Any such loss allocated to the Class B Certificates shall be allocated pro rata among the outstanding Classes of Class B Certificates based on their Principal Balances. (c) Any Realized Losses allocated to a Class of Class A Certificates or Class B Certificates pursuant to Section 4.02(a) or Section 4.02(b) shall be allocated among the Certificates of such Class based on their Percentage Interests. (d) [Intentionally Left Blank] (e) The interest portion of Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses shall be allocated between (i) the Class A Certificates and (ii) the Class B Certificates, pro rata based on the Class A Interest Accrual Amount and the Class B Interest Accrual Amount for the related Distribution Date, without regard to any reduction pursuant to this sentence. Any such loss allocated to the Class A Certificates shall be allocated among the outstanding Classes of Class A Certificates based on each Class's Class A Interest Percentage. Any such loss allocated to the Class B Certificates will be allocated among the outstanding Classes of Class B Certificates based on their Class B Interest Percentages. In addition, after the Class B Principal Balance has been reduced to zero, the interest portion of Realized Losses (other than Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses) will be allocated among the outstanding Classes of Class A Certificates based on their Class A Interest Percentages. (f) Realized Losses allocated in accordance with this Section 4.02 will be allocated as follows: (i) Liquidated Loan Losses on Liquidated Loans for which the Liquidation Proceeds were received during, and Bankruptcy Losses incurred in a period corresponding to, an Unscheduled Principal Receipt Period for Full Unscheduled Principal Receipts that is a Mid-Month Receipt Period will be allocated on the Determination Date in the month following the month in which such Mid-Month Receipt Period ended and (ii) Liquidated Loan Losses on Liquidated Loans for which the Liquidation Proceeds were received during, and Bankruptcy Losses incurred in a period corresponding to, an Unscheduled Principal Receipt Period for Full Unscheduled Principal Receipts that is a Prior Month Receipt Period will be allocated on the Determination Date in the second month following the month which is such Prior Month Receipt Period. (g) With respect to any Distribution Date, the principal portion of Realized Losses and recoveries attributable to previously allocated Realized Losses allocated pursuant to this Section 4.02 will be allocated to each Uncertificated Lower-Tier Interest in an amount equal to the amount allocated to its respective Corresponding Upper-Tier Class or Classes as provided above. (h) With respect to any Distribution Date, the interest portion of Realized Losses allocated pursuant to this Section 4.02 will be allocated to each Uncertificated Lower-Tier Interest in the same relative proportions as interest is allocated to such Uncertificated Lower-Tier Interest. SECTION 4.03 PAYING AGENT. (a) The Master Servicer hereby appoints the Trustee as initial Paying Agent to make distributions to Certificateholders and to forward to Certificateholders the periodic statements and the annual statements required by Section 4.04 as agent of the Master Servicer. The Master Servicer may, at any time, remove or replace the Paying Agent. The Master Servicer shall cause any Paying Agent that is not the Trustee to execute and deliver to the Trustee an instrument in which such Paying Agent agrees with the Trustee that such Paying Agent shall: (i) hold all amounts remitted to it by the Master Servicer for distribution to Certificateholders in trust for the benefit of Certificateholders until such amounts are distributed to Certificateholders or otherwise disposed of as herein provided; (ii) give the Trustee notice of any default by the Master Servicer in remitting any required amount; and (iii) at any time during the continuance of any such default, upon the written request of the Trustee, forthwith pay to the Trustee all amounts held in trust by such Paying Agent. (b) The Paying Agent shall establish and maintain a Payment Account, which shall be a separate trust account and an Eligible Account, in which the Master Servicer shall cause to be deposited from funds in the Certificate Account or, to the extent required hereunder, from its own funds (i) at or before 10:00 a.m., New York time, on the Business Day preceding each Distribution Date, by wire transfer of immediately available funds, any Periodic Advance for such Distribution Date, pursuant to Section 3.03 and (ii) at or before 10:00 a.m., New York time, on the Business Day preceding each Distribution Date, by wire transfer of immediately available funds, an amount equal to the Pool Distribution Amount. The Master Servicer may cause the Paying Agent to invest the funds in the Payment Account. Any such investment shall be in Eligible Investments, which shall mature not later than the Business Day preceding the related Distribution Date (unless the Eligible Investments are obligations of the Trustee, in which case such Eligible Investments shall mature not later than the Distribution Date), and shall not be sold or disposed of prior to maturity. All income and gain realized from any such investment shall be for the benefit of the Master Servicer and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments shall be deposited in the Payment Account by the Master Servicer out of its own funds immediately as realized. The Paying Agent may withdraw from the Payment Account any amount deposited in the Payment Account that was not required to be deposited therein and may clear and terminate the Payment Account pursuant to Section 9.01. SECTION 4.04 STATEMENTS TO CERTIFICATEHOLDERS; REPORTS TO THE TRUSTEE, AND THE SELLER. Concurrently with each distribution pursuant to Section 4.01(f), the Master Servicer, or the Paying Agent appointed by the Master Servicer (upon receipt of such statement from the Master Servicer), shall forward or cause to be forwarded by mail to each Holder of a Certificate and the Seller a statement setting forth: (i) the amount of such distribution to Holders of each Class of Class A Certificates allocable to principal, separately identifying the aggregate amount of any Unscheduled Principal Receipts included therein; (ii) (a) the amount of such distribution to Holders of each Class of Class A Certificates allocable to interest, (b) the amount of the Current Class A Interest Distribution Amount allocated to each Class of Class A Certificates, (c) any Class A Interest Shortfall Amounts arising with respect to such Distribution Date and any remaining Class A Unpaid Interest Shortfall with respect to each Class after giving effect to such distribution, (d) the amount of any Non-Supported Interest Shortfall allocated to each Class of Class A Certificates for such Distribution Date and (e) the interest portion of Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses allocated to each Class of Class A Certificates for such Distribution Date; (iii) the amount of such distribution to Holders of each Class of Class B Certificates allocable to principal, separately identifying the aggregate amount of any Unscheduled Principal Receipts included therein; (iv) (a) the amount of such distribution to Holders of each Class of Class B Certificates allocable to interest, (b) the amount of the Current Class B Interest Distribution Amount allocated to each Class of Class B Certificates, (c) any Class B Interest Shortfall Amounts arising with respect to such Distribution Date and any remaining Class B Unpaid Interest Shortfall with respect to each Class of Class B Certificates after giving effect to such distribution, (d) the amount of any Non-Supported Interest Shortfall allocated to each Class of Class B Certificates for such Distribution Date, and (e) the interest portion of Excess Special Hazard Losses, Excess Fraud Losses and Excess Bankruptcy Losses allocated to each Class of Class B Certificates for such Distribution Date; (v) the amount of any Periodic Advance by any Servicer, the Master Servicer or the Trustee pursuant to the Servicing Agreements or this Agreement; (vi) the number of Mortgage Loans outstanding as of the preceding Determination Date; (vii) the Class A Principal Balance, the Principal Balance of each Class of Class A Certificates, the Class B Principal Balance and the Principal Balance of each Class of Class B Certificates as of the following Determination Date after giving effect to the distributions of principal made, and the principal portion of Realized Losses, if any, allocated with respect to such Distribution Date; (viii) the Adjusted Pool Amount, the Adjusted Pool Amount (PO Portion), the Pool Scheduled Principal Balance of the Mortgage Loans for such Distribution Date and the aggregate Scheduled Principal Balance of the Discount Mortgage Loans for such Distribution Date; (ix) the aggregate Scheduled Principal Balances of the Mortgage Loans serviced by WFHM and, collectively, by the Other Servicers as of such Distribution Date; (x) the Class A Percentage for such Distribution Date; (xi) the Class A Prepayment Percentage for such Distribution Date; (xii) the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Percentages for such Distribution Date; (xiii) the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Prepayment Percentages for such Distribution Date; (xiv) the number and aggregate principal balances of Mortgage Loans delinquent (a) one month, (b) two months and (c) three months or more; (xv) the number and aggregate principal balances of the Mortgage Loans in foreclosure as of the preceding Determination Date; (xvi) the book value of any real estate acquired through foreclosure or grant of a deed in lieu of foreclosure; (xvii) the amount of the remaining Special Hazard Loss Amount, Fraud Loss Amount and Bankruptcy Loss Amount as of the close of business on such Distribution Date; (xviii) the principal and interest portions of Realized Losses allocated as of such Distribution Date and the amount of such Realized Losses constituting Excess Special Hazard Losses, Excess Fraud Losses or Excess Bankruptcy Losses; (xix) the aggregate amount of Bankruptcy Losses allocated to each Class of Class B Certificates in accordance with Section 4.02(a) since the Relevant Anniversary; (xx) the amount by which the Principal Balance of each Class of Class B Certificates has been reduced as a result of Realized Losses allocated as of such Distribution Date; (xxi) the unpaid principal balance of any Mortgage Loan as to which the Servicer of such Mortgage Loan has determined not to foreclose because it believes the related Mortgaged Property may be contaminated with or affected by hazardous wastes or hazardous substances; (xxii) the amount of the aggregate Servicing Fees and Master Servicing Fees paid (and not previously reported) with respect to the related Distribution Date and the amount by which the aggregate Available Master Servicer Compensation has been reduced by the Prepayment Interest Shortfall for the related Distribution Date; (xxiii) in the case of the Class A-15 Certificates, the Notional Amount, if any; (xxiv) in the case of each Class of LIBOR Certificates, the applicable Class A Pass-Through Rate; (xxv) the Class A-PO Deferred Amount, if any; (xxvi) the amount of PMI Advances made by a Servicer, if any; and (xxvii) such other customary information as the Master Servicer deems necessary or desirable to enable Certificateholders to prepare their tax returns; and shall deliver a copy of each type of statement to the Trustee, who shall provide copies thereof to Persons making written request therefor at the Corporate Trust Office. In the case of information furnished with respect to a Class of Class A Certificates pursuant to clauses (i) and (ii) above and with respect to a Class of Class B Certificates pursuant to clauses (iii) and (iv) above, the amounts shall be expressed as a dollar amount per Class A or Class B Certificate (other than the Class A-R and Class A-LR Certificates) with a $1,000 Denomination, and as a dollar amount per Class A-R and Class A-LR Certificates with a $50 Denomination. Within a reasonable period of time after the end of each calendar year, the Master Servicer shall furnish or cause to be furnished to each Person who at any time during the calendar year was the Holder of a Certificate a statement containing the information set forth in clauses (i) and (ii)(a) above in the case of a Class A Certificateholder and the information set forth in clauses (iii) and (iv)(a) above in the case of a Class B Certificateholder aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Master Servicer shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Master Servicer pursuant to any requirements of the Code from time to time in force. Prior to the close of business on the third Business Day preceding each Distribution Date, the Master Servicer shall furnish a statement to the Trustee, any Paying Agent and the Seller (the information in such statement to be made available to Certificateholders by the Master Servicer on written request) setting forth the Class A Distribution Amount with respect to each Class of Class A Certificates and the Class B Distribution Amount with respect to each Class of Class B Certificates. The determination by the Master Servicer of such amounts shall, in the absence of obvious error, be presumptively deemed to be correct for all purposes hereunder and the Trustee and the Paying Agent shall be protected in relying upon the same without any independent check or verification. In addition to the reports required pursuant to this Section 4.04, the Master Servicer shall make available upon request to each Holder and each proposed transferee of a Class B-4, Class B-5 or Class B-6 Certificate such additional information, if any, as may be required to permit the proposed transfer to be effected pursuant to Rule 144A. SECTION 4.05 REPORTS TO MORTGAGORS AND THE INTERNAL REVENUE SERVICE. The Master Servicer shall, in each year beginning after the Cut-Off Date, make the reports of foreclosures and abandonments of any Mortgaged Property as required by Code Section 6050J. In order to facilitate this reporting process, the Master Servicer shall request that each Servicer, on or before January 15th of each year, shall provide to the Internal Revenue Service, with copies to the Master Servicer, reports relating to each instance occurring during the previous calendar year in which such Servicer (i) on behalf of the Trustee acquires an interest in a Mortgaged Property through foreclosure or other comparable conversion in full or partial satisfaction of a Mortgage Loan serviced by such Servicer, or (ii) knows or has reason to know that a Mortgaged Property has been abandoned. Reports from the Servicers shall be in form and substance sufficient to meet the reporting requirements imposed by Code Section 6050J. In addition, each Servicer shall provide the Master Servicer with sufficient information to allow the Master Servicer to, for each year ending after the Cut-Off Date, provide, or cause to be provided, to the Internal Revenue Service and the Mortgagors such information as is required under Code Sections 6050H (regarding payment of interest) and 6050P (regarding cancellation of indebtedness). SECTION 4.06 CALCULATION OF AMOUNTS; BINDING EFFECT OF INTERPRETATIONS AND ACTIONS OF MASTER SERVICER. The Master Servicer will compute the amount of all distributions to be made on the Certificates and all losses to be allocated to the Certificates. In the event that the Master Servicer concludes that any ambiguity or uncertainty exists in any provisions of this Agreement relating to distributions to be made on the Certificates, the allocation of losses to the Certificates or otherwise, the interpretation of such provisions and any actions taken by the Master Servicer in good faith to implement such interpretation shall be binding upon Certificateholders. SECTION 4.07 DETERMINATION OF LIBOR. On each Rate Determination Date, the Trustee shall determine LIBOR for the Distribution Date occurring in the succeeding month on the basis of the British Bankers' Association ("BBA") "Interest Settlement Rate" for one-month deposits in U.S. dollars as found on Telerate page 3750 as of 11:00 A.M. London time on such Rate Determination Date. As used herein, "Telerate page 3750" means the display designated as page 3750 on the Bridge Telerate Service. If on any Rate Determination Date the Trustee is unable to determine LIBOR on the basis of the method set forth in the preceding paragraph, LIBOR for the Distribution Date in the succeeding month will be whichever is higher of (x) LIBOR as determined on the previous Rate Determination Date or (y) the Reserve Interest Rate. The "Reserve Interest Rate" will be the rate per annum which the Trustee determines to be either (A) the arithmetic mean (rounding such arithmetic mean upwards if necessary to the nearest whole multiple of 1/16%) of the one-month U.S. dollar lending rates that the Reference Banks are quoting, on the relevant Rate Determination Date, to the principal London offices of at least two leading banks in the London interbank market or (b) in the event that the Trustee can determine no such arithmetic mean, the lowest one-month U.S. dollar lending rate that the Reference Banks are quoting on such Rate Determination Date to leading European banks. If on any Rate Determination Date the Trustee is required but is unable to determine the Reserve Interest Rate in the manner provided in the preceding paragraph, LIBOR for the Distribution Date in the succeeding month will be LIBOR as determined on the previous Rate Determination Date, or, in the case of the first Rate Determination Date, 2.080%. The establishment of LIBOR by the Trustee and the Trustee's subsequent calculation of the rates of interest applicable to each of the LIBOR Certificates in the absence of manifest error, will be final and binding. After a Rate Determination Date, the Trustee shall provide the Class A Pass-Through Rates of the LIBOR Certificates for the related Distribution Date to Beneficial Owners or Holders of LIBOR Certificates who place a telephone call to the Trustee at (704) 383-5272 and make a request therefor during normal working hours on any Business Day. ARTICLE V THE CERTIFICATES SECTION 5.01 THE CERTIFICATES. (a) The Class A and Class B Certificates shall be issued only in minimum Denominations of a Single Certificate and, except for the Class A-R and Class A-LR Certificates, integral multiples of $1,000 in excess thereof (except, if necessary, for one Certificate of each Class (other than the Class A-R and Class A-LR Certificates) that evidences one Single Certificate plus such additional principal portion or notional amount as is required in order for all Certificates of such Class to equal the aggregate Original Principal Balance or Original Notional Amount of such Class), and shall be substantially in the respective forms set forth as Exhibits A-1, A-2, A-3, A-4, A-5, A-6, A-7, A-8, A-9, A-10, A-11, A-12, A-13, A-14, A-15, A-16, A-17, A-18, A-PO, A-R, A-LR, B-1, B-2, B-3, B-4, B-5, B-6 and C (reverse side of Certificates) hereto. On original issue the Certificates shall be executed and delivered by the Trustee to or upon the order of the Seller upon receipt by the Trustee or the Custodian of the documents specified in Section 2.01. The aggregate principal portion (or notional amount) evidenced by the Class A and Class B Certificates shall be the sum of the amounts specifically set forth in the respective Certificates. The Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by any Responsible Officer thereof. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Trustee shall bind the Trustee notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificates or did not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless manually countersigned by a Responsible Officer of the Trustee, or unless there appears on such Certificate a certificate of authentication executed by the Authenticating Agent by manual signature, and such countersignature or certificate upon a Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. Until such time as Definitive Certificates are issued pursuant to Section 5.07, each Book-Entry Certificate shall bear the following legend: "Unless this certificate is presented by an authorized representative of [the Clearing Agency] to the Seller or its agent for registration of transfer, exchange or payment, and any certificate issued is registered in the name of [the Clearing Agency] or such other name as requested by an authorized representative of [the Clearing Agency] and any payment is made to [the Clearing Agency], any transfer, pledge or other use hereof for value or otherwise by or to any person is wrongful since the registered owner hereof, [the Clearing Agency], has an interest herein." (b) Upon original issuance, the Book-Entry Certificates shall be issued in the form of one or more typewritten certificates, to be delivered to The Depository Trust Company, the initial Clearing Agency, by, or on behalf of, the Seller or to, and deposited with the Certificate Custodian, on behalf of The Depository Trust Company, if directed to do so pursuant instructions from The Depository Trust Company. Such Certificates shall initially be registered in the Certificate Register in the name of the nominee of the initial Clearing Agency, and no Beneficial Owner will receive a definitive certificate representing such Beneficial Owner's interest in the Book-Entry Certificates, except as provided in Section 5.07. Unless and until definitive, fully registered certificates ("Definitive Certificates") have been issued to Beneficial Owners pursuant to Section 5.07: (i) the provisions of this Section 5.01(b) shall be in full force and effect; (ii) the Seller, the Master Servicer, the Certificate Registrar and the Trustee may deal with the Clearing Agency for all purposes (including the making of distributions on the Book-Entry Certificates and the taking of actions by the Holders of Book-Entry Certificates) as the authorized representative of the Beneficial Owners; (iii) to the extent that the provisions of this Section 5.01(b) conflict with any other provisions of this Agreement, the provisions of this Section 5.01(b) shall control; (iv) the rights of Beneficial Owners shall be exercised only through the Clearing Agency and shall be limited to those established by law, the rules, regulations and procedures of the Clearing Agency and agreements between such Beneficial Owners and the Clearing Agency and/or the Clearing Agency Participants, and all references in this Agreement to actions by Certificateholders shall, with respect to the Book-Entry Certificates, refer to actions taken by the Clearing Agency upon instructions from the Clearing Agency Participants, and all references in this Agreement to distributions, notices, reports and statements to Certificateholders shall, with respect to the Book-Entry Certificates, refer to distributions, notices, reports and statements to the Clearing Agency or its nominee, as registered holder of the Book-Entry Certificates, as the case may be, for distribution to Beneficial Owners in accordance with the procedures of the Clearing Agency; and (v) the initial Clearing Agency will make book-entry transfers among the Clearing Agency Participants and receive and transmit distributions of principal and interest on the Certificates to the Clearing Agency Participants, for distribution by such Clearing Agency Participants to the Beneficial Owners or their nominees. For purposes of any provision of this Agreement requiring or permitting actions with the consent of, or at the direction of, Holders of Book-Entry Certificates evidencing specified Voting Interests, such direction or consent shall be given by Beneficial Owners having the requisite Voting Interests, acting through the Clearing Agency. Unless and until Definitive Certificates have been issued to Beneficial Owners pursuant to Section 5.07, copies of the reports or statements referred to in Section 4.04 shall be available to Beneficial Owners upon written request to the Trustee at the Corporate Trust Office. SECTION 5.02 REGISTRATION OF CERTIFICATES. (a) The Trustee shall cause to be kept at one of the offices or agencies to be maintained in accordance with the provisions of Section 5.06 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 act as, or shall appoint, a Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. Upon surrender for registration of transfer of any Certificate at any office or agency maintained for such purpose pursuant to Section 5.06 (and subject to the provisions of this Section 5.02) the Trustee shall execute, and shall date, authenticate (or cause the Authenticating Agent to authenticate) and deliver, in the name of the designated transferee or transferees, one or more new Certificates of a like aggregate principal portion or Percentage Interest and of the same Class. At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized Denominations of a like aggregate principal portion or Percentage Interest and of the same Class 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 shall date, authenticate (or cause the Authenticating Agent to authenticate) 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 Certificate Registrar or the Trustee) be duly endorsed by, or be accompanied by a written instrument of transfer in form satisfactory to the Certificate Registrar, duly executed by the Holder thereof or his attorney duly authorized in writing. No service charge shall be made for any transfer or exchange of Certificates, but the Trustee or the Certificate Registrar may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates. All Certificates surrendered for transfer and exchange shall be canceled by the Certificate Registrar, the Trustee or the Authenticating Agent in accordance with their standard procedures. (b) No transfer of a Class B-4, Class B-5 or Class B-6 Certificate shall be made unless the registration requirements of the Securities Act of 1933, as amended, and any applicable State securities laws are complied with, or such transfer is exempt from the registration requirements under said Act and laws. In the event that a transfer is to be made in reliance upon an exemption from said Act or laws, (i) unless such transfer is made in reliance on Rule 144A, the Trustee or the Seller may, if such transfer is to be made within three years after the later of (i) the date of the initial sale of Certificates or (ii) the last date on which the Seller or any affiliate thereof was a Holder of the Certificates proposed to be transferred, require a Class B-4, Class B-5 or Class B-6 Certificateholder to deliver a written Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee and the Seller, to the effect that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from said Act and laws or is being made pursuant to said Act and laws, which Opinion of Counsel shall not be an expense of the Trustee, the Seller or the Master Servicer, and (ii) the Trustee shall require the transferee (other than an affiliate of the Seller on the Closing Date) to execute an investment letter in the form of Exhibit J hereto certifying to the Seller and the Trustee the facts surrounding such transfer, which investment letter shall not be an expense of the Trustee, the Seller or the Master Servicer. The Holder of a Class B-4, Class B-5 or Class B-6 Certificate desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Seller, the Master Servicer and any Paying Agent acting on behalf of the Trustee against any liability that may result if the transfer is not so exempt or is not made in accordance with such federal and state laws. Neither the Seller nor the Trustee is under an obligation to register the Class B-4, Class B-5 or Class B-6 Certificates under said Act or any other securities law. (c) No transfer of a Class B-4, Class B-5 or Class B-6 Certificate shall be made unless the Trustee and the Seller shall have received (i) a representation letter from the transferee in the form of Exhibit J hereto, to the effect that either (a) such transferee is not an employee benefit plan or other retirement arrangement subject to Title I of ERISA or Code Section 4975, or a governmental plan, as defined in Section 3(32) of ERISA, subject to any federal, state or local law ("Similar Law") which is to a material extent similar to the foregoing provisions of ERISA or the Code (collectively, a "Plan") and is not a person acting on behalf of or using the assets of any such Plan, which representation letter shall not be an expense of the Trustee, the Seller or the Master Servicer or (b) if such transferee is an insurance company, (A) the source of funds used to purchase the Class B-4, Class B-5 or Class B-6 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)), (B) 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 (C) the purchase and holding of such Class B-4, Class B-5 or Class B-6 Certificate is covered by Sections I and III of PTE 95-60 or (ii) in the case of any such Class B-4, Class B-5 or Class B-6 Certificate presented for registration in the name of a Plan, or a trustee of any such Plan, (A) an Opinion of Counsel satisfactory to the Trustee and the Seller to the effect that the purchase or holding of such Class B-4, Class B-5 or Class B-6 Certificate 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 Seller or the Master Servicer to any obligation in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Trustee, the Seller or the Master Servicer and (B) such other opinions of counsel, officer's certificates and agreements as the Seller or the Master Servicer may require in connection with such transfer, which opinions of counsel, officers' certificates and agreements shall not be an expense of the Trustee, the Seller or the Master Servicer. The Class B-4, Class B-5 and Class B-6 Certificates shall bear a legend referring to the foregoing restrictions contained in this paragraph. (d) No legal or beneficial interest in all or any portion of the Class A-R or Class A-LR Certificate may be transferred directly or indirectly to a "disqualified organization" within the meaning of Code Section 860E(e)(5) or an agent of a disqualified organization (including a broker, nominee, or middleman), to a Plan or a Person acting on behalf of or investing the assets of a Plan (such Plan or Person, an "ERISA Prohibited Holder") or to an individual, corporation, partnership or other person unless such transferee (i) is not a Non-U.S. Person or (ii) is a Non-U.S. Person that holds the Class A-R or Class A-LR Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Trustee with an effective Internal Revenue Service Form 4224 or (iii) is a Non-U.S. Person that has delivered to both the transferor and the Trustee an opinion of a nationally recognized tax counsel to the effect that the transfer of the Class A-R or Class A-LR Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of the Class A-R or Class A-LR Certificate will not be disregarded for federal income tax purposes (any such person who is not covered by clauses (i), (ii) or (iii) above being referred to herein as a "Non-permitted Foreign Holder"), and any such purported transfer shall be void and have no effect. The Trustee shall not execute, and shall not authenticate (or cause the Authenticating Agent to authenticate) and deliver, a new Class A-R or Class A-LR Certificate in connection with any such transfer to a disqualified organization or agent thereof (including a broker, nominee or middleman), an ERISA Prohibited Holder or a Non-permitted Foreign Holder, and neither the Certificate Registrar nor the Trustee shall accept a surrender for transfer or registration of transfer, or register the transfer of, the Class A-R or Class A-LR Certificate, unless the transferor shall have provided to the Trustee an affidavit, substantially in the form attached as Exhibit H hereto, signed by the transferee, to the effect that the transferee is not such a disqualified organization, an agent (including a broker, nominee, or middleman) for any entity as to which the transferee has not received a substantially similar affidavit, an ERISA Prohibited Holder or a Non-permitted Foreign Holder, which affidavit shall contain the consent of the transferee to any such amendments of this Agreement as may be required to further effectuate the foregoing restrictions on transfer of the Class A-R or Class A-LR Certificate to disqualified organizations, ERISA Prohibited Holders or Non-permitted Foreign Holders. Such affidavit shall also contain the statement of the transferee that (i) the transferee has historically paid its debts as they have come due and intends to do so in the future, (ii) the transferee understands that it may incur liabilities in excess of cash flows generated by the residual interest, (iii) the transferee intends to pay taxes associated with holding the residual interest as they become due and (iv) the transferee will not transfer the Class A-R or Class A-LR Certificate to any Person who does not provide an affidavit substantially in the form attached as Exhibit H hereto. The affidavit described in the preceding paragraph, if not executed in connection with the initial issuance of the Class A-R or Class A-LR Certificate, shall be accompanied by a written statement in the form attached as Exhibit I hereto, signed by the transferor, to the effect that as of the time of the transfer, the transferor has no actual knowledge that the transferee is a disqualified organization, ERISA Prohibited Holder or Non-permitted Foreign Holder, and has no knowledge or reason to know that the statements made by the transferee with respect to clauses (i) and (iii) of the last sentence of the preceding paragraph are not true. The Class A-R and Class A-LR Certificates shall bear a legend referring to the foregoing restrictions contained in this paragraph and the preceding paragraph. Upon notice to the Master Servicer that any legal or beneficial interest in any portion of the Class A-R or Class A-LR Certificate has been transferred, directly or indirectly, to a disqualified organization or agent thereof (including a broker, nominee, or middleman) in contravention of the foregoing restrictions, (i) such transferee shall be deemed to hold the Class A-R or Class A-LR Certificate in constructive trust for the last transferor who was not a disqualified organization or agent thereof, and such transferor shall be restored as the owner of such Class A-R or Class A-LR Certificate as completely as if such transfer had never occurred, provided that the Master Servicer may, but is not required to, recover any distributions made to such transferee with respect to the Class A-R or Class A-LR Certificate, and (ii) the Master Servicer agrees to furnish to the Internal Revenue Service and to any transferor of the Class A-R or Class A-LR Certificate or such agent (within 60 days of the request therefor by the transferor or agent) such information necessary to the application of Code Section 860E(e) as may be required by the Code, including but not limited to the present value of the total anticipated excess inclusions with respect to the Class A-R or Class A-LR Certificate (or portion thereof) for periods after such transfer. At the election of the Master Servicer, the cost to the Master Servicer of computing and furnishing such information may be charged to the transferor or such agent referred to above; however, the Master Servicer shall in no event be excused from furnishing such information. SECTION 5.03 MUTILATED, DESTROYED, LOST OR STOLEN CERTIFICATES. If (i) any mutilated Certificate is surrendered to the Trustee or the Authenticating Agent, or the Trustee or the Authenticating Agent receives evidence to its satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee or the Authenticating Agent such security or indemnity as may be required by them to hold each of them harmless, then, in the absence of notice to the Trustee or the Authenticating Agent that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute and authenticate (or cause the Authenticating Agent to authenticate) and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor and principal portion or Percentage Interest and of the same Class. Upon the issuance of any new Certificate under this Section, the Trustee or the Certificate Registrar may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expense (including the fees and expenses of the Trustee or the Authenticating Agent) in connection therewith. Any duplicate Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the Trust Estate, as if originally issued, whether or not the lost, stolen, or destroyed Certificate shall be found at any time. SECTION 5.04 PERSONS DEEMED OWNERS. Prior to the due presentation of a Certificate for registration of transfer, the Seller, the Master Servicer, the Trustee, the Certificate Registrar and any agent of the Seller, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.01, and for all other purposes whatsoever, and neither the Seller, the Master Servicer, the Trustee, the Certificate Registrar nor any agent of the Seller, the Master Servicer, the Trustee or the Certificate Registrar shall be affected by notice to the contrary. SECTION 5.05 ACCESS TO LIST OF CERTIFICATEHOLDERS' NAMES AND ADDRESSES. (a) If the Trustee is not acting as Certificate Registrar, the Certificate Registrar shall furnish or cause to be furnished to the Trustee, within 15 days after receipt by the Certificate Registrar 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 of each Class as of the most recent Record Date. (b) If five or more Certificateholders (hereinafter referred to as "applicants") 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 following 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 the date more than 90 days prior to the date of receipt of such applicants' request and the Trustee is not the Certificate Registrar, the Trustee shall promptly request from the Certificate Registrar a current list as provided in paragraph (a) hereof, and shall afford such applicants access to such list promptly upon receipt. (c) Every Certificateholder, by receiving and holding a Certificate, agrees with the Seller, the Master Servicer, the Certificate Registrar and the Trustee that neither the Seller, the Master Servicer, the Certificate Registrar nor the Trustee shall be held accountable by reason of the disclosure of any such information as to the names, addresses and Percentage Interests of the Certificateholders hereunder, regardless of the source from which such information was delivered. SECTION 5.06 MAINTENANCE OF OFFICE OR AGENCY. The Trustee will maintain, at its expense, an office or agency where Certificates may be surrendered for registration of transfer or exchange and where notices and demands to or upon the Certificate Registrar in respect of the Certificates and this Agreement may be served. The Trustee initially designates the Corporate Trust Office and the principal corporate trust office of the Authenticating Agent, if any, as its offices and agencies for said purposes. SECTION 5.07 DEFINITIVE CERTIFICATES. If (i)(A) the Master Servicer advises the Trustee in writing that the Clearing Agency is no longer willing or able properly to discharge its responsibilities as depository with respect to the Book-Entry Certificates, and (B) the Master Servicer is unable to locate a qualified successor, (ii) the Master Servicer, at its option, advises the Trustee in writing that it elects to terminate the book-entry system through the Clearing Agency or (iii) after the occurrence of dismissal or resignation of the Master Servicer, Beneficial Owners representing aggregate Voting Interests of not less than 51% of the aggregate Voting Interests of each outstanding Class of Book-Entry Certificates advise the Trustee through the Clearing Agency and Clearing Agency Participants in writing that the continuation of a book-entry system through the Clearing Agency is no longer in the best interests of the Beneficial Owners, the Trustee shall notify the Beneficial Owners, through the Clearing Agency, of the occurrence of any such event and of the availability of Definitive Certificates to Beneficial Owners requesting the same. Upon surrender to the Trustee by the Clearing Agency of the Certificates held of record by its nominee, accompanied by reregistration instructions and directions to execute and authenticate new Certificates from the Master Servicer, the Trustee shall execute and authenticate Definitive Certificates for delivery at its Corporate Trust Office. The Master Servicer shall arrange for, and will bear all costs of, the printing and issuance of such Definitive Certificates. Neither the Seller, the Master Servicer nor the Trustee shall be liable for any delay in delivery of such instructions by the Clearing Agency and may conclusively rely on, and shall be protected in relying on, such instructions. SECTION 5.08 NOTICES TO CLEARING AGENCY. Whenever notice or other communication to the Holders of Book-Entry Certificates is required under this Agreement, unless and until Definitive Certificates shall have been issued to Beneficial Owners pursuant to Section 5.07, the Trustee shall give all such notices and communications specified herein to be given to Holders of Book-Entry Certificates to the Clearing Agency. ARTICLE VI THE SELLER AND THE MASTER SERVICER SECTION 6.01 LIABILITY OF THE SELLER AND THE MASTER SERVICER. The Seller and the Master Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically imposed by this Agreement and undertaken hereunder by the Seller and the Master Servicer. SECTION 6.02 MERGER OR CONSOLIDATION OF THE SELLER OR THE MASTER SERVICER. Subject to the following paragraph, the Seller and the Master Servicer each will keep in full effect its existence, rights and franchises as a corporation under the laws of the jurisdiction of its incorporation, and will 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. The Seller or the Master Servicer may be merged or consolidated with or into any Person, or transfer all or substantially all of its assets to any Person, in which case any Person resulting from any merger or consolidation to which the Seller or Master Servicer shall be a party, or any Person succeeding to the business of the Seller or Master Servicer, shall be the successor of the Seller or Master Servicer hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that, in the case of the Master Servicer, any such successor or resulting Person shall be qualified to service mortgage loans for Fannie Mae or Freddie Mac. SECTION 6.03 LIMITATION ON LIABILITY OF THE SELLER, THE MASTER SERVICER AND OTHERS. Neither the Seller nor the Master Servicer nor any subcontractor nor any of the partners, directors, officers, employees or agents of any of them shall be under any liability to the Trust Estate or the Certificateholders and all such Persons shall be held harmless 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 any such Person against any breach of warranties or representations made herein or 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 Seller, the Master Servicer, any subcontractor, and any partner, director, officer, employee or agent of any of them shall be entitled to indemnification by the Trust Estate and will be held harmless against any loss, liability or expense incurred in connection with the performance of its duties and obligations and any legal action relating to this Agreement or the Certificates, including, without limitation, any legal action against the Trustee in its capacity as Trustee hereunder, other than any loss, liability or expense (including, without limitation, expenses payable by the Master Servicer under Section 8.06) incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of his or its duties hereunder or by reason of reckless disregard of his or its obligations and duties hereunder. The Seller, the Master Servicer and any of the directors, officers, employees or agents of either may rely in good faith on any document of any kind which, prima facie, is properly executed and submitted by any Person respecting any matters arising hereunder. Neither the Seller nor the Master Servicer shall be under any obligation to appear in, prosecute or defend any legal action unless such action is related to its respective duties under this Agreement and which in its opinion does not involve it in any expense or liability; provided, however, that the Seller or the Master Servicer may in its discretion undertake any such action which it may deem necessary or desirable with respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder if the Certificateholders offer to the Seller or the Master Servicer, as the case may be, reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby. 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 Seller or the Master Servicer shall be entitled to be reimbursed therefor out of the Certificate Account, and such amounts shall, on the following Distribution Date or Distribution Dates, be allocated in reduction of distributions on the Class A Certificates and Class B Certificates in the same manner as Realized Losses are allocated pursuant to Section 4.02(a). SECTION 6.04 RESIGNATION OF THE MASTER SERVICER. The Master Servicer shall not resign from the obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law or are in material conflict by reason of applicable law with any other activities carried on by it. Any such determination permitting the resignation of the Master Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer's responsibilities, duties, liabilities and obligations hereunder. SECTION 6.05 COMPENSATION TO THE MASTER SERVICER. The Master Servicer shall be entitled to receive a monthly fee equal to the Master Servicing Fee, as compensation for services rendered by the Master Servicer under this Agreement. The Master Servicer also will be entitled to any late reporting fees paid by a Servicer pursuant to its Servicing Agreement, any investment income on funds on deposit in the Certificate Account and any Liquidation Profits to which a Servicer is not entitled under its Servicing Agreement. SECTION 6.06 ASSIGNMENT OR DELEGATION OF DUTIES BY MASTER SERVICER. The Master Servicer shall not assign or transfer any of its rights, benefits or privileges under this Agreement to any other Person, or delegate to or subcontract with, or authorize or appoint any other Person to perform any of the duties, covenants or obligations to be performed by the Master Servicer without the prior written consent of the Trustee, and any agreement, instrument or act purporting to effect any such assignment, transfer, delegation or appointment shall be void. Notwithstanding the foregoing, the Master Servicer shall have the right without the prior written consent of the Trustee (i) to assign its rights and delegate its duties and obligations hereunder; provided, however, that (a) the purchaser or transferee accepting such assignment or delegation is qualified to service mortgage loans for Fannie Mae or Freddie Mac, is satisfactory to the Trustee, in the exercise of its reasonable judgment, and executes and delivers to the Trustee an agreement, in form and substance reasonably satisfactory to the Trustee, which contains an assumption by such purchaser or transferee of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Master Servicer hereunder from and after the date of such agreement; and (b) each applicable Rating Agency's rating of any Certificates in effect immediately prior to such assignment, sale or transfer is not reasonably likely to be qualified, downgraded or withdrawn as a result of such assignment, sale or transfer and the Certificates are not reasonably likely to be placed on credit review status by any such Rating Agency; and (ii) to delegate to, subcontract with, authorize, or appoint an affiliate of the Master Servicer to perform and carry out any duties, covenants or obligations to be performed and carried out by the Master Servicer under this Agreement and hereby agrees so to delegate, subcontract, authorize or appoint to an affiliate of the Master Servicer any duties, covenants or obligations to be performed and carried out by the Master Servicer to the extent that such duties, covenants or obligations are to be performed in any state or states in which the Master Servicer is not authorized to do business as a foreign corporation but in which the affiliate is so authorized. In no case, however, shall any permitted assignment and delegation relieve the Master Servicer of any liability to the Trustee or the Seller under this Agreement, incurred by it prior to the time that the conditions contained in clause (i) above are met. SECTION 6.07 INDEMNIFICATION OF TRUSTEE AND SELLER BY MASTER SERVICER. The Master Servicer shall indemnify and hold harmless the Trustee and the Seller and any director, officer or agent thereof against any loss, liability or expense, including reasonable attorney's fees, arising out of, in connection with or incurred by reason of willful misfeasance, bad faith or negligence in the performance of duties of the Master Servicer under this Agreement or by reason of reckless disregard of its obligations and duties under this Agreement. Any payment pursuant to this Section made by the Master Servicer to the Trustee or the Seller shall be from such entity's own funds, without reimbursement therefor. The provisions of this Section 6.07 shall survive the termination of this Agreement. ARTICLE VII DEFAULT SECTION 7.01 EVENTS OF DEFAULT. In case one or more of the following Events of Default by the Master Servicer shall occur and be continuing, that is to say: (i) any failure by the Master Servicer (a) to remit any funds to the Paying Agent as required by Section 4.03 or (b) to distribute or cause to be distributed to Certificateholders any payment required to be made by the Master Servicer under the terms of this Agreement which, in either case, continues unremedied for a period of three business days after the date upon which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or to the Master Servicer and the Trustee by the holders of Certificates evidencing in the aggregate not less than 25% of the aggregate Voting Interest represented by all Certificates; (ii) any failure on the part of the Master Servicer duly to observe or perform in any material respect any other of the covenants or agreements on the part of the Master Servicer in the Certificates or in this Agreement which continues unremedied for a period of 60 days after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee, or to the Master Servicer and the Trustee by the holders of Certificates evidencing in the aggregate not less than 25% of the aggregate Voting Interest represented by all Certificates; (iii) a decree or order of a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a trustee, conservator, receiver or liquidator in any bankruptcy, insolvency, readjustment of debt, marshaling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and such decree or order shall have remained in force undischarged and unstayed for a period of 60 days; (iv) the Master Servicer shall consent to the appointment of a trustee, conservator, receiver or liquidator or liquidating committee in any bankruptcy, insolvency, readjustment of debt, marshaling of assets and liabilities, voluntary liquidation or similar proceedings of or relating to the Master Servicer, or of or relating to all or substantially all of its property; (v) the Master Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency, bankruptcy or reorganization statute, make an assignment for the benefit of its creditors or voluntarily suspend payment of its obligations; (vi) the Master Servicer shall be dissolved, or shall dispose of all or substantially all of its assets; or consolidate with or merge into another entity or shall permit another entity to consolidate or merge into it, such that the resulting entity does not meet the criteria for a successor servicer, as specified in Section 6.02 hereof; or (vii) the Master Servicer and any subservicer appointed by it becomes ineligible to service for both Fannie Mae and Freddie Mac, which ineligibility continues unremedied for a period of 90 days. then, and in each and every such case, subject to applicable law, so long as an Event of Default shall not have been remedied, either the Trustee or the holders of Certificates evidencing in the aggregate not less than 66 2/3% of the aggregate Voting Interest represented by all Certificates, by notice in writing to the Master Servicer (and to the Trustee if given by the Certificateholders) may terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans, but without prejudice to any rights which the Master Servicer may have to the aggregate Master Servicing Fees due prior to the date of transfer of the Master Servicer's responsibilities hereunder, reimbursement of expenses to the extent permitted by this Agreement, Periodic Advances and other advances of its own funds. Upon receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates or the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and under this Section, subject to the provisions of Section 7.05; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents or otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting the termination of the Master Servicer's responsibilities and rights hereunder and shall promptly provide the Trustee all documents and records reasonably requested by it to enable it to assume the Master Servicer's functions hereunder and shall promptly also transfer to the Trustee all amounts which then have been or should have been deposited in the Certificate Account by the Master Servicer or which are thereafter received by the Master Servicer with respect to the Mortgage Loans. SECTION 7.02 OTHER 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 7.01, 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 7.03 DIRECTIONS BY CERTIFICATEHOLDERS AND DUTIES OF TRUSTEE DURING EVENT OF DEFAULT. During the continuance of any Event of Default, Holders of Certificates evidencing in the aggregate not less than 25% of the aggregate Voting Interest represented by all Certificates 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 rights or powers vested in it by this agreement (including, without limitation, (i) the conducting or defending of any administrative action or litigation hereunder or in relation hereto and (ii) the terminating of the Master 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 cost, expenses and liabilities which may be incurred therein or thereby and, provided further, that, subject to the provisions of Section 8.01, the Trustee shall have the right to decline to follow any such direction if the Trustee, in accordance with 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 nonassenting Certificateholders. SECTION 7.04 ACTION UPON CERTAIN FAILURES OF THE MASTER SERVICER AND UPON EVENT OF DEFAULT. In the event that the Trustee shall have knowledge of any failure of the Master Servicer specified in Section 7.01(i) or (ii) which would become an Event of Default upon the Master Servicer's failure to remedy the same after notice, the Trustee may, but need not if the Trustee deems it not in the Certificateholders' best interest, give notice thereof to the Master Servicer. For all purposes of this Agreement, in the absence of actual knowledge by a corporate trust officer of the Trustee, the Trustee shall not be deemed to have knowledge of any failure of the Master Servicer as specified in Section 7.01(i) and (ii) or any Event of Default unless notified thereof in writing by the Master Servicer or by a Certificateholder. SECTION 7.05 TRUSTEE TO ACT; APPOINTMENT OF SUCCESSOR. When the Master Servicer receives notice of termination pursuant to Section 7.01 or the Trustee receives the resignation of the Master Servicer evidenced by an Opinion of Counsel pursuant to Section 6.04, the Trustee shall be the successor in all respects to the Master Servicer in its capacity as master servicer under this Agreement and the transactions set forth or provided for herein and shall have the rights and powers and be subject to all the responsibilities, duties and liabilities relating thereto placed on the Master Servicer by the terms and provisions hereof and in its capacity as such successor shall have the same limitation of liability herein granted to the Master Servicer. In the event that the Trustee is succeeding to the Master Servicer as the Master Servicer, as compensation therefor, the Trustee shall be entitled to receive monthly such portion of the Master Servicing Fee, together with such other servicing compensation as is agreed to at such time by the Trustee and the Master Servicer, but in no event more than 25% thereof until the date of final cessation of the Master Servicer's servicing activities hereunder. Notwithstanding the above, the Trustee may, if it shall be unwilling to so act, or shall, if it is unable to so act or to obtain a qualifying bid as described below, appoint, or petition a court of competent jurisdiction to appoint, any housing and home finance institution, bank or mortgage servicing institution having a net worth of not less than $10,000,000 and meeting such other standards for a successor servicer as are set forth herein, as the successor to the Master Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer hereunder; provided, however, that until such a successor master servicer is appointed and has assumed the responsibilities, duties and liabilities of the Master Servicer hereunder, the Trustee shall continue as the successor to the Master Servicer as provided above. The compensation of any successor master servicer so appointed shall not exceed the compensation specified in Section 6.05 hereof. In the event the Trustee is required to solicit bids as provided above, the Trustee shall solicit, by public announcement, bids from housing and home finance institutions, banks and mortgage servicing institutions meeting the qualifications set forth in the preceding sentence for the purchase of the master servicing functions. Such public announcement shall specify that the successor master servicer shall be entitled to the full amount of the Master Servicing Fee as compensation together with the other servicing compensation in the form of late reporting fees or otherwise as provided in Section 6.05. Within 30 days after any such public announcement, the Trustee shall negotiate and effect the sale, transfer and assignment of the master servicing rights and responsibilities hereunder to the qualified party submitting the highest qualifying bid. The Trustee shall deduct all costs and expenses of any public announcement and of any sale, transfer and assignment of the servicing rights and responsibilities hereunder from any sum received by the Trustee from the successor to the Master Servicer in respect of such sale, transfer and assignment. After such deductions, the remainder of such sum shall be paid by the Trustee to the Master Servicer at the time of such sale, transfer and assignment to the Master Servicer's successor. The Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Master Servicer agrees to cooperate with the Trustee and any successor servicer in effecting the termination of the Master Servicer's servicing responsibilities and rights hereunder and shall promptly provide the Trustee or such successor master servicer, as applicable, all documents and records reasonably requested by it to enable it to assume the Master Servicer's function hereunder and shall promptly also transfer to the Trustee or such successor master servicer, as applicable, all amounts which then have been or should have been deposited in the Certificate Account by the Master Servicer or which are thereafter received by the Master Servicer with respect to the Mortgage Loans. Neither the Trustee nor any other successor master servicer shall be deemed to be in default hereunder by reason of any failure to make, or any delay in making, any distribution hereunder or any portion thereof caused by (i) the failure of the Master Servicer to deliver, or any delay in delivering, cash, documents or records to it, or (ii) restrictions imposed by any regulatory authority having jurisdiction over the Master Servicer. Notwithstanding anything to the contrary contained in Section 7.01 above or this Section 7.05, the Master Servicer shall retain all of its rights and responsibilities hereunder, and no successor (including the Trustee) shall succeed thereto, if the assumption thereof by such successor would cause the rating assigned to any Certificates to be revoked, downgraded or placed on credit review status (other than for possible upgrading) by either Rating Agency and the retention thereof by the Master Servicer would avert such revocation, downgrading or review. SECTION 7.06 NOTIFICATION TO CERTIFICATEHOLDERS. Upon any termination of the Master Servicer or appointment of a successor master servicer, in each case as provided herein, the Trustee shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register. The Trustee shall also, within 45 days after the occurrence of any Event of Default known to the Trustee, give written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register, unless such Event of Default shall have been cured or waived within said 45 day period. ARTICLE VIII CONCERNING THE TRUSTEE SECTION 8.01 DUTIES OF TRUSTEE. The Trustee, prior to the occurrence of an Event of Default and after the curing of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred (which has not been cured), the Trustee, subject to the provisions of Sections 7.01, 7.03, 7.04 and 7.05, shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in its exercise as a 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 are in the form required by this Agreement; provided, however, that the Trustee shall not be responsible for the accuracy or content of any certificate, statement, instrument, report, notice or other document furnished by the Master Servicer or the Servicers pursuant to Articles III, IV and IX. No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that: (i) Prior to the occurrence of an Event of Default and after the curing 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, and conforming to the requirements of this Agreement; (ii) The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of holders of Certificates which evidence in the aggregate not less than 25% of the Voting Interest represented by all Certificates relating to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; and (iii) The Trustee shall not be liable for any error of judgment made in good faith by any of its Responsible Officers, unless it shall be proved that the Trustee or such Responsible Officer, as the case may be, was negligent in ascertaining the pertinent facts. None of the provisions contained in this Agreement shall require the Trustee to expend or risk its own funds or otherwise incur personal financial liability in the performance of any of its duties hereunder or in the exercise of any of its rights or powers if there is reasonable ground for believing that repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it. SECTION 8.02 CERTAIN MATTERS AFFECTING THE TRUSTEE. Except as otherwise provided in Section 8.01: (i) The Trustee may request and rely and shall be protected in acting or refraining from acting upon any resolution, Officers' Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties and the manner of obtaining consents and evidencing the authorization of the execution thereof shall be subject to such reasonable regulations as the Trustee may prescribe; (ii) The Trustee may consult with counsel, and any written advice of such counsel or 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 advice or Opinion of Counsel; (iii) 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; (iv) Subject to Section 7.04, the Trustee shall not be accountable, shall have no liability and makes no representation as to any acts or omissions hereunder of the Master Servicer until such time as the Trustee may be required to act as Master Servicer pursuant to Section 7.05 and thereupon only for the acts or omissions of the Trustee as successor Master Servicer; and (v) 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 8.03 TRUSTEE NOT REQUIRED TO MAKE INVESTIGATION. Prior to the occurrence of an Event of Default hereunder and after the curing of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond, Mortgage, Mortgage Note or other paper or document (provided the same appears regular on its face), unless requested in writing to do so by holders of Certificates evidencing in the aggregate not less than 51% of the Voting Interest represented by all Certificates; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability as a condition to so proceeding. The reasonable expense of every such investigation shall be paid by the Master Servicer or, if paid by the Trustee shall be repaid by the Master Servicer upon demand. SECTION 8.04 TRUSTEE NOT LIABLE FOR CERTIFICATES OR MORTGAGE LOANS. The recitals contained herein and in the Certificates (other than the certificate of authentication on the Certificates) shall be taken as the statements of the Seller, and the Trustee assumes no responsibility as to the correctness of the same. The Trustee makes no representation for the correctness of the same. The Trustee makes no representation as to the validity or sufficiency of this Agreement or of the Certificates or of any Mortgage Loan or related document. Subject to Section 2.04, the Trustee shall not be accountable for the use or application by the Seller of any of the Certificates or of the proceeds of such Certificates, or for the use or application of any funds paid to the Master Servicer in respect of the Mortgage Loans deposited into the Certificate Account by the Master Servicer or, in its capacity as trustee, for investment of any such amounts. SECTION 8.05 TRUSTEE MAY OWN CERTIFICATES. The Trustee, and any agent thereof, 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 or such agent and may transact banking and/or trust business with the Seller, the Master Servicer or their Affiliates. SECTION 8.06 THE MASTER SERVICER TO PAY FEES AND EXPENSES. The Master Servicer covenants and agrees to pay to the Trustee from time to time, from its own funds, and the Trustee shall be entitled to receive, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) for all services rendered by it in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee and, except as otherwise agreed by the Master Servicer and the Trustee, the Master Servicer will pay or reimburse the Trustee upon its request for all reasonable expenses, disbursements and advances incurred or made by it in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ) except any such expense, disbursement, or advance as may arise from its negligence or bad faith. The Trustee shall have no right of reimbursement from the Trust Estate for any such expenses, disbursements and advances not paid or reimbursed to it by the Master Servicer. SECTION 8.07 ELIGIBILITY REQUIREMENTS. The Trustee hereunder shall at all times (i) be a corporation or association having its principal office in a state and city acceptable to the Seller, organized and doing business under the laws of such state or the United States of America, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000, or shall be a member of a bank holding system, the aggregate combined capital and surplus of which is at least $50,000,000, provided that its separate capital and surplus shall at all times be at least the amount specified in Section 310(a)(2) of the Trust Indenture Act of 1939, (ii) be subject to supervision or examination by federal or state authority and (iii) have a credit rating or be otherwise acceptable to the Rating Agencies such that neither of the Rating Agencies would reduce their respective then current ratings of the Certificates (or have provided such security from time to time as is sufficient to avoid such reduction) as evidenced in writing by each Rating Agency. If such corporation or association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section the combined capital and surplus of such corporation or 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 provisions of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.08. SECTION 8.08 RESIGNATION AND REMOVAL. The Trustee may at any time resign and be discharged from the trust hereby created by giving written notice of resignation to the Master Servicer, such resignation to be effective upon the appointment of a successor trustee. Upon receiving such notice of resignation, the Master Servicer shall promptly appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning entity and one copy to its successor. If no successor trustee shall have been appointed and 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 8.07 and shall fail to resign after written request for its resignation by the Master Servicer, or if at any time the Trustee shall become incapable of acting, or an order for relief shall have been entered in any bankruptcy or insolvency proceeding with respect to such entity, or a receiver of such entity or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of the property or affairs of the Trustee for the purpose of rehabilitation, conversion or liquidation, or the Master Servicer shall deem it necessary in order to change the situs of the Trust Estate for state tax reasons, then the Master Servicer shall remove the Trustee and appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor trustee. The Holders of Certificates evidencing in the aggregate not less than 51% of the Voting Interests represented by all Certificates (except that any Certificate registered in the name of the Seller, the Master Servicer or any affiliate thereof will not be taken into account in determining whether the requisite Voting Interests has been obtained) may at any time remove the Trustee and appoint a successor by written instrument or instruments, in triplicate, signed by such holders or their attorneys-in-fact duly authorized, one complete set of which instruments shall be delivered to the Master Servicer, one complete set of which shall be delivered to the entity or entities so removed and one complete set of which shall be delivered to the successor so appointed. Any resignation or removal of the Trustee and appointment of a successor pursuant to any of the provisions of this Section shall become effective upon acceptance of appointment by the successor as provided in Section 8.09. SECTION 8.09 SUCCESSOR. Any successor trustee appointed as provided in Section 8.08 shall execute, acknowledge and deliver to the Master 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, without any further act, deed or reconveyance, 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 deliver to its successor all Owner Mortgage Loan Files and related documents and statements held by it hereunder (other than any Owner Mortgage Loan Files at the time held by a Custodian, which Custodian shall become the agent of any successor trustee hereunder), and the Seller, the Master Servicer and the predecessor entity shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee all such rights, powers, duties and obligations. No successor shall accept appointment as provided in this Section unless at the time of such acceptance such successor shall be eligible under the provisions of Section 8.07. Upon acceptance of appointment by a successor as provided in this Section, the Master Servicer shall mail notice of the succession of such trustee hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register. If the Master Servicer fails to mail such notice within ten days after acceptance of the successor trustee, the successor trustee shall cause such notice to be mailed at the expense of the Master Servicer. SECTION 8.10 MERGER OR CONSOLIDATION. Any Person into which the Trustee may be merged or converted or with which it may be consolidated, to which it may sell or transfer its corporate trust business and assets as a whole or substantially as a whole or any Person resulting from any merger, sale, transfer, conversion or consolidation to which the Trustee shall be a party, or any Person succeeding to the business of such entity, shall be the successor of the Trustee hereunder; provided, however, that (i) such Person shall be eligible under the provisions of Section 8.07, 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, and (ii) the Trustee shall deliver an Opinion of Counsel to the Seller and the Master Servicer to the effect that such merger, consolidation, sale or transfer will not subject either the Upper-Tier REMIC or the Lower-Tier REMIC to federal, state or local tax or cause either the Upper-Tier REMIC or the Lower-Tier REMIC to fail to qualify as a REMIC, which Opinion of Counsel shall be at the sole expense of the Trustee. SECTION 8.11 AUTHENTICATING AGENT. The Trustee may appoint an Authenticating Agent, which shall be authorized to act on behalf of the Trustee in authenticating Certificates. Wherever reference is made in this Agreement to the authentication of Certificates by the Trustee or the Trustee's countersignature, such reference shall be deemed to include authentication on behalf of the Trustee by the Authenticating Agent and a certificate of authentication executed on behalf of the Trustee by the Authenticating Agent. The Authenticating Agent must be acceptable to the Seller and the Master Servicer and must be a corporation 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 a state and city acceptable to the Seller and the Master Servicer, 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 the Authenticating 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 the Authenticating Agent shall be a party, or any corporation succeeding to the corporate agency business of the Authenticating Agent, shall 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. The Authenticating Agent may at any time resign by giving at least 30 days' advance written notice of resignation to the Trustee, the Seller and the Master Servicer. The Trustee may at any time terminate the agency of the Authenticating Agent by giving written notice thereof to the Authenticating Agent, the Seller and the Master Servicer. Upon receiving a notice of resignation or upon such a termination, or in case at any time the Authenticating Agent shall cease to be eligible in accordance with the provisions of this Section 8.11, the Trustee promptly shall appoint a successor Authenticating Agent, which shall be acceptable to the Master Servicer, and shall give written notice of such appointment to the Seller, 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 herein. No successor Authenticating Agent shall be appointed unless eligible under the provisions of this Section 8.11. The Authenticating Agent shall have no responsibility or liability for any action taken by it as such at the direction of the Trustee. Any reasonable compensation paid to the Authenticating Agent shall be a reimbursable expense under Section 8.06. SECTION 8.12 SEPARATE TRUSTEES AND CO-TRUSTEES. The Trustee shall have the power from time to time to appoint one or more persons or corporations to act either as co-trustees jointly with the Trustee, or as separate trustees, for the purpose of holding title to, foreclosing or otherwise taking action with respect to any Mortgage Loan outside the state where the Trustee has its principal place of business, where such separate trustee or co-trustee is necessary or advisable (or the Trustee is advised by the Master Servicer that such separate trustee or co-trustee is necessary or advisable) under the laws of any state in which a Mortgaged Property is located or for the purpose of otherwise conforming to any legal requirement, restriction or condition in any state in which a Mortgaged Property is located or in any state in which any portion of the Trust Estate is located. The Master Servicer shall advise the Trustee when, in its good faith opinion, a separate trustee or co-trustee is necessary or advisable as aforesaid. The separate trustees or co-trustees so appointed shall be trustees for the benefit of all of the Certificateholders and shall have such powers, rights and remedies as shall be specified in the instrument of appointment; provided, however, that no such appointment shall, or shall be deemed to, constitute the appointee an agent of the Trustee. The Seller and the Master Servicer shall join in any such appointment, but such joining shall not be necessary for the effectiveness of such appointment. Every separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions: (i) all powers, duties, obligations and rights conferred upon the Trustee, in respect of the receipt, custody and payment of moneys shall be exercised solely by the Trustee; (ii) all other rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Master Servicer hereunder) the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Estate or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee; (iii) no separate trustee or co-trustee hereunder shall be personally liable by reason of any act or omission of any other separate trustee or co-trustee hereunder; and (iv) the Trustee may at any time accept the resignation of or remove any separate trustee or co-trustee so appointed by it, if such resignation or removal does not violate the other terms of this Agreement. 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, co-trustee, or custodian shall refer to this Agreement and the conditions of this Article. 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 furnished to the Trustee. Any separate trustee, co-trustee, or custodian may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee to the extent permitted by law, without the appointment of a new or successor trustee. No separate trustee or co-trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 8.07 hereunder and no notice to Certificateholders of the appointment thereof shall be required under Section 8.09 hereof. The Trustee agrees to instruct its co-trustees, if any, to the extent necessary to fulfill such entity's obligations hereunder. The Master Servicer shall pay the reasonable compensation of the co-trustees to the extent, and in accordance with the standards, specified in Section 8.06 hereof. SECTION 8.13 APPOINTMENT OF CUSTODIANS. The Trustee may at any time on or after the Closing Date, with the consent of the Master Servicer and the Seller, appoint one or more Custodians to hold all or a portion of the Owner Mortgage Loan Files as agent for the Trustee, by entering into a Custodial Agreement. Subject to this Article VIII, the Trustee agrees to comply with the terms of each Custodial Agreement and to enforce the terms and provisions thereof against the Custodian for the benefit of the Certificateholders. Each Custodian shall be a depository institution subject to supervision by federal or state authority, shall have a combined capital and surplus of at least $10,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Owner Mortgage Loan File. Each Custodial Agreement may be amended only as provided in Section 10.01(a). SECTION 8.14 TAX MATTERS; COMPLIANCE WITH REMIC PROVISIONS. (a) Each of the Trustee and the Master Servicer covenants and agrees that it shall perform its duties hereunder in a manner consistent with the REMIC Provisions and shall not knowingly take any action or fail to take any action that would (i) affect the determination of the Trust Estate's status as two separate REMICs, or (ii) cause the imposition of any federal, state or local income, prohibited transaction, contribution or other tax on either the Upper-Tier REMIC, the Lower-Tier REMIC or the Trust Estate. The Master Servicer, or, in the case of any tax return or other action required by law to be performed directly by the Trustee, the Trustee shall (i) prepare or cause to be prepared, timely cause to be signed by the Trustee and file or cause to be filed annual federal and applicable state and local income tax returns for each of the Upper-Tier REMIC and the Lower-Tier REMIC using a calendar year as the taxable year and the accrual method of accounting; (ii) in the first such federal tax returns, make, or cause to be made, elections satisfying the requirements of the REMIC Provisions, on behalf of the Trust Estate, to treat each of the Upper-Tier REMIC and the Lower-Tier REMIC as a REMIC; (iii) prepare, execute and forward, or cause to be prepared, executed and forwarded, to the Certificateholders all information reports or tax returns required with respect to the Trust Estate, as and when required to be provided to the Certificateholders, and to the Internal Revenue Service and any other relevant governmental taxing authority in accordance with the REMIC Provisions and any other applicable federal, state or local laws, including without limitation information reports relating to "original issue discount" and "market discount" as defined in the Code based upon the issue prices, prepayment assumption and cash flows provided by the Seller to the Trustee and calculated on a monthly basis by using the issue prices of the Certificates; (iv) make available information necessary for the application of any tax imposed on transferors of residual interests to "disqualified organizations" (as defined in the REMIC Provisions); (v) file Forms 8811 and apply for an Employee Identification Number with a Form SS-4 or any other permissible method and respond to inquiries by Certificateholders or their nominees concerning information returns, reports or tax returns; (vi) maintain (or cause to be maintained by the Servicers) such records relating to the Upper-Tier REMIC and the Lower-Tier REMIC, including but not limited to the income, expenses, individual Mortgage Loans (including REO Mortgage Loans, other assets and liabilities of each REMIC, and the fair market value and adjusted basis of the property of each REMIC determined at such intervals as may be required by the Code, as may be necessary to prepare the foregoing returns or information reports; (vii) exercise reasonable care not to allow the creation of any "interests" in either the Upper-Tier REMIC or the Lower-Tier REMIC within the meaning of Code Section 860D(a)(2) other than the interests in the Upper-Tier REMIC represented by the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-8, Class A-9, Class A-10, Class A-11, Class A-12, Class A-13, Class A-14, Class A-15, Class A-16, Class A-17, Class A-18, Class A-PO and Class A-R Certificates and the Class B-1, Class B-2, Class B-3, Class B-4, Class B-5 and Class B-6 Certificates and the interests in the Lower-Tier REMIC represented by the Class A-L1, Class A-L4, Class A-L12, Class A-L13, Class A-LPO, Class A-LUR, Class B-L1, Class B-L2, Class B-L3, Class B-L4, Class B-L5 and Class B-L6 Interests and the Class A-LR Certificate; (viii) exercise reasonable care not to allow the occurrence of any "prohibited transactions" within the meaning of Code Section 860F(a), unless the Master Servicer shall have provided an Opinion of Counsel to the Trustee that such occurrence would not (a) result in a taxable gain, (b) otherwise subject either the Upper-Tier REMIC or Lower-Tier REMIC or the Trust Estate to tax or (c) cause the Trust Estate to fail to qualify as two separate REMICs; (ix) exercise reasonable care not to allow either the Upper-Tier REMIC or the Lower-Tier REMIC to receive income from the performance of services or from assets not permitted under the REMIC Provisions to be held by a REMIC; (x) pay (on behalf of the Upper-Tier REMIC or the Lower-Tier REMIC) the amount of any federal income tax, including, without limitation, prohibited transaction taxes, taxes on net income from foreclosure property, and taxes on certain contributions to a REMIC after the Startup Day, imposed on the Upper-Tier REMIC or Lower-Tier REMIC, as the case may be, when and as the same shall be due and payable (but such obligation shall not prevent the Master Servicer or any other appropriate Person from contesting any such tax in appropriate proceedings and shall not prevent the Master Servicer from withholding or depositing payment of such tax, if permitted by law, pending the outcome of such proceedings); and (xi) if required or permitted by the Code and applicable law, act as "tax matters person" for the Upper-Tier REMIC and the Lower-Tier REMIC within the meaning of Treasury Regulations Section 1.860F-4(d), and the Master Servicer is hereby designated as agent of the Class A-R and Class A-LR Certificateholders for such purpose (or if the Master Servicer is not so permitted, the Holders of the Class A-R and Class A-LR Certificates shall be tax matters persons for the Upper-Tier REMIC and the Lower-Tier REMIC, respectively, in accordance with the REMIC Provisions). The Master Servicer shall be entitled to be reimbursed pursuant to Section 3.02 for any taxes paid by it pursuant to clause (x) of the preceding sentence, except to the extent that such taxes are imposed as a result of the bad faith, willful misfeasance or gross negligence of the Master Servicer in the performance of its obligations hereunder. The Trustee shall sign the tax returns referred to in clause (i) of the second preceding sentence. In order to enable the Master Servicer or the Trustee, as the case may be, to perform its duties as set forth above, the Seller shall provide, or cause to be provided, to the Master Servicer within ten days after the Closing Date all information or data that the Master Servicer determines to be relevant for tax purposes to the valuations and offering prices of the Certificates, including, without limitation, the price, yield, prepayment assumption and projected cash flows of each Class of Certificates and the Mortgage Loans in the aggregate. Thereafter, the Seller shall provide to the Master Servicer or the Trustee, as the case may be, promptly upon request therefor, any such additional information or data that the Master Servicer or the Trustee, as the case may be, may from time to time request in order to enable the Master Servicer to perform its duties as set forth above. The Seller hereby indemnifies the Master Servicer or the Trustee, as the case may be, for any losses, liabilities, damages, claims or expenses of the Master Servicer or the Trustee arising from any errors or miscalculations by the Master Servicer or the Trustee pursuant to this Section that result from any failure of the Seller to provide, or to cause to be provided, accurate information or data to the Master Servicer or the Trustee, as the case may be, on a timely basis. The Master Servicer hereby indemnifies the Seller and the Trustee for any losses, liabilities, damages, claims or expenses of the Seller or the Trustee arising from the Master Servicer's willful misfeasance, bad faith or gross negligence in preparing any of the federal, state and local tax returns of either REMIC as described above. In the event that the Trustee prepares any of the federal, state and local tax returns of either REMIC as described above, the Trustee hereby indemnifies the Seller and the Master Servicer for any losses, liabilities, damages, claims or expenses of the Seller or the Master Servicer arising from the Trustee's willful misfeasance, bad faith or negligence in connection with such preparation. (b) Notwithstanding anything in this Agreement to the contrary, each of the Master Servicer and the Trustee shall pay from its own funds, without any right of reimbursement therefor, the amount of any costs, liabilities and expenses incurred by the Trust Estate (including, without limitation, any and all federal, state or local taxes, including taxes imposed on "prohibited transactions" within the meaning of the REMIC Provisions) if and to the extent that such costs, liabilities and expenses arise from a failure of the Master Servicer or the Trustee, respectively, to perform its obligations under this Section 8.14. SECTION 8.15 MONTHLY ADVANCES. In the event that WFHM fails to make a Periodic Advance required to be made pursuant to the WFHM Servicing Agreement on or before the Distribution Date, the Trustee shall make a Periodic Advance as required by Section 3.03 hereof; provided, however, the Trustee shall not be required to make such Periodic Advances if prohibited by law or if it determines that such Periodic Advance would be a Nonrecoverable Advance. With respect to those Periodic Advances which should have been made by WFHM, the Trustee shall be entitled, pursuant to Section 3.02(a)(i), (ii) or (v) hereof, to be reimbursed from the Certificate Account for Periodic Advances and Nonrecoverable Advances made by it. ARTICLE IX TERMINATION SECTION 9.01 TERMINATION UPON PURCHASE BY THE SELLER OR LIQUIDATION OF ALL MORTGAGE LOANS. Subject to Section 9.02, the respective obligations and responsibilities of the Seller, the Master Servicer and the Trustee created hereby (other than the obligation of the Trustee to make certain payments after the Final Distribution Date to Certificateholders and the obligation of the Master Servicer to send certain notices as hereinafter set forth and the tax reporting obligations under Sections 4.05 and 8.14 hereof) shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to this Article IX following the earlier of (i) the purchase by the Seller of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Estate at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than any REO Mortgage Loan) as of the Final Distribution Date, and (y) the fair market value of the Mortgaged Property related to any REO Mortgage Loan (as determined by the Master Servicer 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 Section 9.01), plus any accrued and unpaid interest through the last day of the month preceding the month of such purchase at the applicable Mortgage Interest Rate less any Fixed Retained Yield on each Mortgage Loan (including any REO Mortgage Loan) and (ii) the final payment or other liquidation (or any advance with respect thereto) of the last Mortgage Loan remaining in the Trust Estate (including for this purpose the discharge of any Mortgagor under a defaulted Mortgage Loan on which a Servicer is not obligated to foreclose due to environmental impairment) or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan; 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 Seller to purchase all the assets of the Trust Estate pursuant to clause (i) of the preceding paragraph are subject to Section 9.02 and conditioned upon the Pool Scheduled Principal Balance of the Mortgage Loans as of the Final Distribution Date being less than the amount set forth in Section 11.22. In the case of any purchase by the Seller pursuant to said clause (i), the Seller shall provide to the Trustee the certification required by Section 3.04 and the Trustee and the Custodian shall, promptly following payment of the purchase price, release to the Seller the Owner Mortgage Loan 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 cancellation, shall be given promptly by the Trustee by letter to Certificateholders mailed not earlier than the 15th day of the month preceding the month of such final distribution and not later than the twentieth day of the month of such final distribution specifying (A) 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, (B) the amount of any such final payment and (C) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made (except in the case of any Class A Certificate surrendered on a prior Distribution Date pursuant to Section 4.01) only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Seller is exercising its right to purchase, the Seller shall deposit in the Certificate Account on or before the Final Distribution Date in immediately available funds an amount equal to the purchase price for the assets of the Trust Estate computed as above provided. Failure to give notice of termination as described herein shall not entitle a Certificateholder to any interest beyond the interest payable on the Final Distribution Date. Upon presentation and surrender of the Certificates, the Trustee shall cause to be distributed to Certificateholders on the Final Distribution Date in proportion to their respective Percentage Interests an amount equal to (i) as to the Classes of Class A Certificates, the respective Principal Balance together with any related Class A Unpaid Interest Shortfall and one month's interest in an amount equal to the respective Interest Accrual Amount, (ii) as to the Classes of Class B Certificates, the respective Principal Balance together with any related Class B Unpaid Interest Shortfall and one month's interest in an amount equal to the respective Interest Accrual Amount and (iii) as to the Class A-R and Class A-LR Certificates, the amounts, if any, which remain on deposit in the Upper-Tier Certificate Account and the Certificate Account, respectively (other than amounts retained to meet claims) after application pursuant to clauses (i), (ii) and (iii) above and payment to the Master Servicer of any amounts it is entitled as reimbursement or otherwise hereunder. Such amount shall be distributed in respect of interest and principal in respect of the Uncertificated Lower-Tier Interests in the same amounts as distributed to their Corresponding Upper-Tier Class or Classes in the manner specified in Section 4.01(a)(ii). Notwithstanding the foregoing, if the price paid pursuant to clause (i) of the first paragraph of this Section 9.01, after reimbursement to the Servicers, the Master Servicer and the Trustee of any Periodic Advances, is insufficient to pay in full the amounts set forth in clauses (i), (ii) and (iii) of this paragraph, then any shortfall in the amount available for distribution to Certificateholders shall be allocated in reduction of the amounts otherwise distributable on the Final Distribution Date in the same manner as Realized Losses are allocated pursuant to Sections 4.02(a) and 4.02(g) hereof. Such distribution on the Final Distribution Date shall be in lieu of the distribution otherwise required to be made on such Distribution Date in respect of each Class of Certificates. In the event that all of the Certificateholders shall not surrender their Certificates for final payment and cancellation within three months following the Final Distribution Date, the Trustee shall on such date cause all funds, if any, in the Certificate Account not distributed in final distribution to Certificateholders to be withdrawn therefrom and credited to the remaining Certificateholders by depositing such funds in a separate escrow account for the benefit of such Certificateholders. The Trustee 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 three months 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 escrow account. SECTION 9.02 ADDITIONAL TERMINATION REQUIREMENTS. In the event of a termination of the Trust Estate upon the exercise by the Seller of its purchase option as provided in Section 9.01, the Trust Estate shall be terminated in accordance with the following additional requirements, unless the Trustee has received an Opinion of Counsel to the effect that any other manner of termination (i) will constitute a "qualified liquidation" of the Trust Estate within the meaning of Code Section 860F(a)(4)(A) and (ii) will not subject either the Upper-Tier REMIC or the Lower-Tier REMIC to federal tax or cause the Trust Estate to fail to qualify as two separate REMICs at any time that any Certificates are outstanding: (i) The notice given by the Master Servicer under Section 9.01 shall provide that such notice constitutes the adoption 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 the first such notice is mailed to Certificateholders). The Master Servicer shall also specify such date in a statement attached to the final tax returns of the Upper-Tier REMIC and the Lower-Tier REMIC; and (ii) At or after the time of adoption of such a plan of complete liquidation and at or prior to the Final Distribution Date, the Trustee shall sell all of the assets of the Trust Estate to the Seller for cash at the purchase price specified in Section 9.01 and shall distribute such cash within 90 days of such adoption in the manner specified in Section 9.01. ARTICLE X MISCELLANEOUS PROVISIONS SECTION 10.01 AMENDMENT. (a) This Agreement or any Custodial Agreement may be amended from time to time by the Seller, the Master 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 herein or therein or in the related Prospectus, (iii) to modify, eliminate or add to any of its provisions to such extent as shall be necessary to maintain the qualification of the Trust Estate as two separate REMICs at all times that any Certificates are outstanding or to avoid or minimize the risk of the imposition of any federal tax on the Trust Estate, the Upper-Tier REMIC or the Lower-Tier 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 Upper-Tier Certificate Account and Lower-Tier Certificate Account provided that such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder, (v) to modify, eliminate or add to the provisions of Section 5.02 or any other provisions hereof restricting transfer of the Certificates, provided that the Master Servicer for purposes of Section 5.02 has determined in its sole discretion that any such modifications to this Agreement will neither adversely affect the rating on the Certificates nor give rise to a risk that either the Upper-Tier or Lower-Tier REMIC or any of the Certificateholders will be subject to a tax caused by a transfer to a non-permitted transferee and (vi) to make any other provisions with respect to matters or questions arising under this Agreement or such Custodial Agreement which shall not be materially inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder. Notwithstanding the foregoing, any amendment pursuant to clause (iv) or (vi) shall not be deemed to adversely affect in any material respect the interest of Certificateholders and no Opinion of Counsel to that effect shall be required if the person requesting the amendment instead 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 or any Custodial Agreement may also be amended from time to time by the Seller, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66-2/3% of the aggregate Voting Interests of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall (i) reduce in any manner the amount of, or delay the timing of, payments received on Mortgage Loans which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) adversely affect in any material respect the interest of the Holders of Certificates of any Class in a manner other than as described in clause (i) hereof without the consent of Holders of Certificates of such Class evidencing, as to such Class, Voting Interests aggregating not less than 66-2/3% or (iii) reduce the aforesaid percentage of Certificates of any Class the Holders of which are required to consent to any such amendment, without the consent of the Holders of all Certificates of such Class then outstanding. Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel to the effect that such amendment will not subject either the Upper-Tier REMIC or the Lower-Tier REMIC to tax or cause either the Upper-Tier REMIC or the Lower-Tier REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding. Promptly after the execution of any amendment requiring the consent of Certificateholders, the Trustee shall furnish written notification of the substance of such amendment to each Certificateholder. It shall not be necessary for the consent of Certificateholders under this Section 10.01(a) to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe. (b) Notwithstanding any contrary provision of this Agreement, the Master Servicer may, from time to time, amend Schedule I hereto without the consent of any Certificateholder or the Trustee; provided, however, (i) that such amendment does not conflict with any provisions of the related Servicing Agreement, (ii) that the related Servicing Agreement provides for the remittance of each type of Unscheduled Principal Receipts received by such Servicer during the Applicable Unscheduled Principal Receipt Period (as so amended) related to each Distribution Date to the Master Servicer no later than the 24th day of the month in which such Distribution Date occurs and (iii) that such amendment is for the purpose of (a) changing the Applicable Unscheduled Principal Receipt Period for Type 2 Mortgage Loans to a Mid-Month Receipt Period with respect to all Unscheduled Principal Receipts; or (b) changing the Applicable Unscheduled Principal Receipt Period for all Mortgage Loans serviced by any Servicer to a Mid-Month Receipt Period with respect to Full Unscheduled Principal Receipts and to a Prior Month Receipt Period with respect to Partial Unscheduled Principal Receipts. A copy of any amendment to Schedule I pursuant to this Section 10.01(b) shall be promptly forwarded to the Trustee. SECTION 10.02 RECORDATION OF AGREEMENT. This Agreement (or an abstract hereof, if acceptable to the applicable recording office) is subject to recordation in all appropriate public offices for real property records in all the towns or other comparable jurisdictions in which any or all of the Mortgaged Properties are situated, and in any other appropriate public office or elsewhere, such recordation to be effected by the Master Servicer and at its expense on direction by the Trustee, but only upon direction accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders. 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 10.03 LIMITATION ON RIGHTS OF CERTIFICATEHOLDERS. The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Estate, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or take any action or proceeding in any court for a partition or winding up of the Trust Estate, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them. Except as otherwise expressly provided herein, no Certificateholder, solely by virtue of its status as a Certificateholder, shall have any right to vote or in any manner otherwise control the operation and management of the Trust Estate, 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, solely by virtue of its status as Certificateholder, shall have any right by virtue or by availing of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates evidencing not less than 25% of the Voting Interest represented by all Certificates 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 cost, 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 of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such 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 benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity. SECTION 10.04 GOVERNING LAW; JURISDICTION. This Agreement shall be construed in accordance with the laws of the State of New York (without regard to conflicts of laws principles), and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws. SECTION 10.05 NOTICES. All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by certified or registered mail, return receipt requested (i) in the case of the Seller, to Wells Fargo Asset Securities Corporation, 7485 New Horizon Way, Frederick, Maryland 21703, Attention: Chief Executive Officer, or such other address as may hereafter be furnished to the Master Servicer and the Trustee in writing by the Seller, (ii) in the case of the Master Servicer, to Wells Fargo Bank Minnesota, National Association, 7485 New Horizon Way, Frederick, Maryland 21703, Attention: Vice President or such other address as may hereafter be furnished to the Seller and the Trustee in writing by the Master Servicer and (iii) in the case of the Trustee, to the Corporate Trust Office, or such other address as may hereafter be furnished to the Seller and the Master Servicer in writing by the Trustee, in each case Attention: Corporate Trust Department. 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 mailed or transmitted within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the addressee receives such notice; provided, however, that any demand, notice or communication to or upon the Seller, the Master Servicer or the Trustee shall not be effective until received. For all purposes of this Agreement, in the absence of actual knowledge by an officer of the Master Servicer, the Master Servicer shall not be deemed to have knowledge of any act or failure to act of any Servicer unless notified thereof in writing by the Trustee, the Servicer or a Certificateholder. SECTION 10.06 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 10.07 SPECIAL NOTICES TO RATING AGENCIES. (a) The Trustee shall give prompt notice to each Rating Agency of the occurrence of any of the following events of which it has notice: (i) any amendment to this Agreement pursuant to Section 10.01(a); (ii) any sale or transfer of the Class B Certificates pursuant to Section 5.02 to an affiliate of the Seller; (iii) any assignment by the Master Servicer of its rights and delegation of its duties pursuant to Section 6.06; (iv) any resignation of the Master Servicer pursuant to Section 6.04; (v) the occurrence of any of the Events of Default described in Section 7.01; (vi) any notice of termination given to the Master Servicer pursuant to Section 7.01; (vii) the appointment of any successor to the Master Servicer pursuant to Section 7.05; or (viii) the making of a final payment pursuant to Section 9.01. (b) The Master Servicer shall give prompt notice to each Rating Agency of the occurrence of any of the following events: (i) the appointment of a Custodian pursuant to Section 2.02; (ii) the resignation or removal of the Trustee pursuant to Section 8.08; (iii) the appointment of a successor trustee pursuant to Section 8.09; or (iv) the sale, transfer or other disposition in a single transaction of 50% or more of the equity interests in the Master Servicer. (c) The Master Servicer shall deliver to each Rating Agency: (i) reports prepared pursuant to Section 3.05; and (ii) statements prepared pursuant to Section 4.04. SECTION 10.08 COVENANT OF SELLER. The Seller shall not amend Article Third of its Certificate of Incorporation without the prior written consent of each Rating Agency rating the Certificates. SECTION 10.09 RECHARACTERIZATION. The Parties intend the conveyance by the Seller 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 Seller shall be deemed to have granted to the Trustee a first priority security interest in all of the Seller's right, title and interest in and to the Mortgage Loans. ARTICLE XI TERMS FOR CERTIFICATES SECTION 11.01 CLASS A FIXED PASS-THROUGH RATE. The Class A Fixed Pass-Through Rate is 6.500% per annum. SECTION 11.02 CUT-OFF DATE. The Cut-Off Date for the Certificates is December 1, 2001. SECTION 11.03 CUT-OFF DATE AGGREGATE PRINCIPAL BALANCE. The Cut-Off Date Aggregate Principal Balance is $900,487,132.96. SECTION 11.04 ORIGINAL CLASS A PERCENTAGE. The Original Class A Percentage is 97.14525748%. SECTION 11.05 ORIGINAL PRINCIPAL BALANCES OF THE CLASSES OF CLASS A CERTIFICATES. As to the following Classes of Class A Certificates, the Principal Balance of such Class as of the Cut-Off Date, as follows: Original Class Principal Balance ----- ----------------- Class A-1 $100,000,000.00 Class A-2 $150,000,000.00 Class A-3 $154,000,000.00 Class A-4 $105,527,500.00 Class A-5 $ 40,587,500.00 Class A-6 $ 11,715,000.00 Class A-7 $ 60,044,000.00 Class A-8 $ 12,432,000.00 Class A-9 $ 14,638,000.00 Class A-10 $ 13,000,000.00 Class A-11 $ 6,364,000.00 Class A-12 $ 45,546,000.00 Class A-13 $ 74,132,000.00 Class A-14 $ 14,732,000.00 Class A-16 $ 15,000,000.00 Class A-17 $ 825,000.00 Class A-18 $ 54,811,000.00 Class A-PO $ 1,468,361.00 Class A-R $ 50.00 Class A-LR $ 50.00 SECTION 11.05(A) ORIGINAL NOTIONAL AMOUNT. The Original Notional Amount is $12,709,538.00. SECTION 11.06 ORIGINAL CLASS A NON-PO PRINCIPAL BALANCE. The Original Class A Non-PO Principal Balance is $873,354,100. SECTION 11.07 ORIGINAL SUBORDINATED PERCENTAGE. The Original Subordinated Percentage is 2.85474252%. SECTION 11.08 ORIGINAL CLASS B-1 PERCENTAGE. The Original Class B-1 Percentage is 1.45236122%. SECTION 11.09 ORIGINAL CLASS B-2 PERCENTAGE. The Original Class B-2 Percentage is 0.50087942%. SECTION 11.10 ORIGINAL CLASS B-3 PERCENTAGE. The Original Class B-3 Percentage is 0.40065904%. SECTION 11.11 ORIGINAL CLASS B-4 PERCENTAGE. The Original Class B-4 Percentage is 0.20032952%. SECTION 11.12 ORIGINAL CLASS B-5 PERCENTAGE. The Original Class B-5 Percentage is 0.15016372%. SECTION 11.13 ORIGINAL CLASS B-6 PERCENTAGE. The Original Class B-6 Percentage is 0.15034960%. SECTION 11.14 ORIGINAL CLASS B PRINCIPAL BALANCE. The Original Class B Principal Balance is $25,664,671.10. SECTION 11.15 ORIGINAL PRINCIPAL BALANCES OF THE CLASSES OF CLASS B CERTIFICATES. As to the following Classes of Class B Certificate, the Principal Balance of such Class as of the Cut-Off Date, is as follows: Original Class Principal Balance ----- ----------------- Class B-1 $ 13,057,000.00 Class B-2 $ 4,503,000.00 Class B-3 $ 3,602,000.00 Class B-4 $ 1,801,000.00 Class B-5 $ 1,350,000.00 Class B-6 $ 1,351,671.10 SECTION 11.16 ORIGINAL CLASS B-1 FRACTIONAL INTEREST. The Original Class B-1 Fractional Interest is 1.40238129%. SECTION 11.17 ORIGINAL CLASS B-2 FRACTIONAL INTEREST. The Original Class B-2 Fractional Interest is 0.90150187%. SECTION 11.18 ORIGINAL CLASS B-3 FRACTIONAL INTEREST. The Original Class B-3 Fractional Interest is 0.50084283%. SECTION 11.19 ORIGINAL CLASS B-4 FRACTIONAL INTEREST. The Original Class B-4 Fractional Interest is 0.30051331%. SECTION 11.20 ORIGINAL CLASS B-5 FRACTIONAL INTEREST. The Original Class B-5 Fractional Interest is 0.15034959%. SECTION 11.21 CLOSING DATE. The Closing Date is December 21, 2001. SECTION 11.22 RIGHT TO PURCHASE. The right of the Seller to purchase all of the Mortgage Loans pursuant to Section 9.01 hereof shall be conditioned upon the Pool Scheduled Principal Balance of the Mortgage Loans being less than $90048713.30 (10% of the Cut-Off Date Aggregate Principal Balance) at the time of any such purchase. SECTION 11.23 WIRE TRANSFER ELIGIBILITY. With respect to the Class A (other than the Class A-15, Class A-PO, Class A-R and Class A-LR Certificates) and the Class B Certificates, the minimum Denomination eligible for wire transfer on each Distribution Date is $500,000. With respect to the Class A-15 Certificates, the minimum Denomination eligible for wire transfer on each Distribution Date is 33% Percentage Interest. The Class A-PO, Class A-R and Class A-LR Certificates are not eligible for wire transfer. SECTION 11.24 SINGLE CERTIFICATE. A Single Certificate for each Class of Class A Certificates (other than the Class A-4, Class A-5, Class A-6, Class A-8, Class A-9, Class A-17, Class A-PO, Class A-R and Class A-LR Certificates) represents a $25,000 Denomination. A Single Certificate for the Class A-4, Class A-5, Class A-6, Class A-17, Class A-PO, Class B-1, Class B-2 and Class B-3 Certificates represents a $100,000 Denomination. A Single Certificate for the Class A-8 and Class A-9 Certificates represents a $1,000 Denomination. A Single Certificate for the Class A-15 Certificates represents a $747,619.00 Denomination. A Single Certificate for the Class A-R and Class A-LR Certificates represents a $50 Denomination. A Single Certificate for the Class B-4, Class B-5 and Class B-6 Certificates represents a $250,000 Denomination. SECTION 11.25 SERVICING FEE RATE. The rate used to calculate the Servicing Fee for each Mortgage Loan is equal to such rate as is set forth on the Mortgage Loan Schedule with respect to a Mortgage Loan. SECTION 11.26 MASTER SERVICING FEE RATE. The rate used to calculate the Master Servicing Fee for each Mortgage Loan is 0.017% per annum. IN WITNESS WHEREOF, the Seller, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized, all as of the day and year first above written. WELLS FARGO ASSET SECURITIES CORPORATION as Seller By: ____________________________________ Name: Alan S. McKenney Title: Vice President WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION as Master Servicer By: ____________________________________ Name: William B. Hill, III Title: Vice President FIRST UNION NATIONAL BANK as Trustee By: ____________________________________ Name: Title: Attest: By:___________________________ Name:_________________________ Title:________________________ STATE OF MARYLAND ) ) ss.: COUNTY OF FREDERICK ) On this 21st day of December, 2001, before me, a notary public in and for the State of Maryland, personally appeared Alan S. McKenney, known to me who, being by me duly sworn, did depose and say that he resides in McLean, Virginia; that he is a Vice President of Wells Fargo Asset Securities Corporation, a Delaware corporation, one of the parties that executed the foregoing instrument; and that he signed his name thereto by order of the Board of Directors of said corporation. _________________________ Notary Public [NOTARIAL SEAL] STATE OF MARYLAND ) ss.: COUNTY OF FREDERICK ) On this 21st day of December, 2001, before me, a notary public in and for the State of Maryland, personally appeared William B. Hill, III known to me who, being by me duly sworn, did depose and say that he resides at Frederick, Maryland; that he is a Vice President of Wells Fargo Bank Minnesota, National Association, a national banking association, one of the parties that executed the foregoing instrument; and that he signed his name thereto by order of the Board of Directors of said corporation. _________________________ Notary Public [NOTARIAL SEAL] STATE OF NORTH CAROLINA ) ) ss.: COUNTY OF ) On this 21st day of December, 2001, before me, a notary public in and for the State of North Carolina, personally appeared _____________________, known to me who, being by me duly sworn, did depose and say that he resides at __________________, North Carolina; that he is a _____________________ of First Union National Bank, a national banking association, one of the parties that executed the foregoing instrument; and that s/he signed his name thereto by order of the Board of Directors of said corporation. _________________________ Notary Public [NOTARIAL SEAL] EXHIBIT A-1 [FORM OF FACE OF CLASS A-1 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-1 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AA 3 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-1 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-1 Certificates required to be distributed to Holders of the Class A-1 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-1 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-1 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-2 [FORM OF FACE OF CLASS A-2 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-2 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AB 1 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-2 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-2 Certificates required to be distributed to Holders of the Class A-2 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-2 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-2 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-3 [FORM OF FACE OF CLASS A-3 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-3 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AC 9 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-3 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-3 Certificates required to be distributed to Holders of the Class A-3 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-3 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-3 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-4 [FORM OF FACE OF CLASS A-4 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-4 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AD 7 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-4 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-4 Certificates required to be distributed to Holders of the Class A-4 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-4 Certificates applicable to each Distribution Date will be a floating rate of interest determined as provided herein and as specified in the Agreement. The pass-through rate applicable with respect to the Distribution Date in January 2002 will be 2.880% per annum. Thereafter, with respect to each Distribution Date, the pass-through rate will be a per annum rate equal to 0.800% plus LIBOR as determined on the second business day prior to the 25th day of the month preceding the month in which such Distribution Date occurs, subject to a minimum rate of 0.800% and a maximum rate of 9.000%. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-4 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-5 [FORM OF FACE OF CLASS A-5 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-5 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AE 5 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % (Initial Notional Amount) Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-5 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-5 Certificates required to be distributed to Holders of the Class A-5 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-5 Certificates applicable to each Distribution Date will be a floating rate of interest determined as provided herein and as specified in the Agreement. The pass-through rate applicable with respect to the Distribution Date in January 2002 will be 15.912% per annum. Thereafter, with respect to each Distribution Date, the pass-through rate will be a per annum rate equal to 21.320% minus the product of 2.60 and LIBOR as determined on the second business day prior to the 25th day of the month preceding the month in which such Distribution Date occurs, subject to a minimum rate of 0.000% and a maximum rate of 21.320%. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-5 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-6 [FORM OF FACE OF CLASS A-6 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-6 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. UNTIL THE ACCRETION TERMINATION DATE, THE INTEREST THAT ACCRUES ON THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL NOT BE PAYABLE. BECAUSE SUCH UNPAID INTEREST IS ADDED TO THE PRINCIPAL BALANCE OF THIS CERTIFICATE AND BECAUSE DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE WILL BE MADE IN THE MANNER DESCRIBED IN THE AGREEMENT (AS DEFINED HEREIN), THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE MORE OR LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AF 2 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-6 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-6 Certificates required to be distributed to Holders of the Class A-6 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-6 Certificates applicable to each Distribution Date will be 6.500% per annum. Prior to the Accretion Termination Date, no distribution of interest on this Certificate will be made. Prior to the Accretion Termination Date, interest otherwise available for distribution on this Certificate will be added to the Principal Balance of the Class A-6 Certificates on each Distribution Date. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-6 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-7 [FORM OF FACE OF CLASS A-7 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-7 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AG 0 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-7 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-7 Certificates required to be distributed to Holders of the Class A-7 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-7 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-7 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-8 [FORM OF FACE OF CLASS A-8 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-8 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AJ 4 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-8 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-8 Certificates required to be distributed to Holders of the Class A-8 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-8 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-8 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-9 [FORM OF FACE OF CLASS A-9 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-9 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AK 1 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-9 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-9 Certificates required to be distributed to Holders of the Class A-9 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-9 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-9 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-10 [FORM OF FACE OF CLASS A-10 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-10 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AL 9 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-10 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-10 Certificates required to be distributed to Holders of the Class A-10 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-10 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-10 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-11 [FORM OF FACE OF CLASS A-11 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-11 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AM 7 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-11 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-11 Certificates required to be distributed to Holders of the Class A-11 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-11 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-11 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-12 [FORM OF FACE OF CLASS A-12 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-12 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AN 5 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-12 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-12 Certificates required to be distributed to Holders of the Class A-12 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-12 Certificates applicable to each Distribution Date will be 5.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-12 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-13 [FORM OF FACE OF CLASS A-13 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-13 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AP 0 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-13 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-13 Certificates required to be distributed to Holders of the Class A-13 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-13 Certificates applicable to each Distribution Date will be 6.000% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-13 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-14 [FORM OF FACE OF CLASS A-14 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-14 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AQ 8 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-14 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-14 Certificates required to be distributed to Holders of the Class A-14 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-14 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-14 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-15 [FORM OF FACE OF CLASS A-15 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-15 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. THE NOTIONAL AMOUNT OF THIS CERTIFICATE WILL BE REDUCED IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING NOTIONAL AMOUNT OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL NOTIONAL AMOUNT REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AR 6 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % (initial Notional Amount) Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-15 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-15 Certificates required to be distributed to Holders of the Class A-15 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. The Class A-15 Certificates are not entitled to distributions in respect of principal. Interest will accrue on the Class A-15 Certificates each month in an amount equal to the product of (i) 1/12th of 6.500% and (ii) the Notional Amount of the Class A-15 Certificates as of the related Distribution Date. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-15 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-16 [FORM OF FACE OF CLASS A-16 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-16 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AS 4 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-16 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-16 Certificates required to be distributed to Holders of the Class A-16 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-16 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-16 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-17 [FORM OF FACE OF CLASS A-17 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-17 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) AFTER THE SUBORDINATION DEPLETION DATE, THE PRINCIPAL PORTION OF REALIZED LOSSES, OTHER THAN EXCESS LOSSES, ALLOCATED TO THE CLASS A-7 and CLASS A-18 Certificates WILL BE BORNE BY THE CLASS A-17 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AT 2 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-17 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-17 Certificates required to be distributed to Holders of the Class A-17 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-17 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-17 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-18 [FORM OF FACE OF CLASS A-18 CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-18 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AU 9 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ___________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-18 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-18 Certificates required to be distributed to Holders of the Class A-18 Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-18 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-18 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-PO [FORM OF FACE OF CLASS A-PO CERTIFICATE] [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-PO evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AV 7 First Distribution Date: January 25, 2002 Denomination: $ Percentage Interest evidenced by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ____________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class A-PO Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Distribution Amount for the Class A-PO Certificates required to be distributed to Holders of the Class A-PO Certificates on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. The Class A-PO Certificates are not entitled to distributions in respect of interest. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By:____________________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By:________________________________ Authorized Officer EXHIBIT A-R [Form of Face of Class A-R Certificate] 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(a)(2) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). A TRANSFEREE OF THIS CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE ACCEPTED THIS CERTIFICATE SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFERABILITY, AS SET FORTH IN SECTION 5.02(d) OF THE POOLING AND SERVICING AGREEMENT, AND SHALL BE REQUIRED TO FURNISH AN AFFIDAVIT TO THE TRANSFEROR AND THE TRUSTEE TO THE EFFECT THAT, AMONG OTHER THINGS, IT IS NOT A DISQUALIFIED ORGANIZATION, AS SUCH TERM IS DEFINED IN CODE SECTION 860E(e)(5), AN AGENT (INCLUDING A BROKER, NOMINEE OR OTHER MIDDLEMAN) FOR A DISQUALIFIED ORGANIZATION OR A NON-PERMITTED FOREIGN HOLDER, AS DEFINED IN SECTION 5.02(d) OF THE POOLING AND SERVICING AGREEMENT AND TO HAVE AGREED TO SUCH AMENDMENTS TO THE POOLING AND SERVICING AGREEMENT AS MAY BE REQUIRED TO FURTHER EFFECTUATE THE RESTRICTIONS ON TRANSFERS TO DISQUALIFIED ORGANIZATIONS, AGENTS THEREOF OR NON-PERMITTED FOREIGN HOLDERS. THE HOLDER OF THIS CLASS A-R CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE AGREED TO THE DESIGNATION OF THE MASTER SERVICER AS ITS AGENT TO ACT AS "TAX MATTERS PERSON" OF THE UPPER-TIER REMIC TO PERFORM THE FUNCTIONS OF A "TAX MATTERS PARTNER" FOR PURPOSES OF SUBCHAPTER C OF CHAPTER 63 OF SUBTITLE F OF THE CODE, OR, IF SO REQUESTED BY THE MASTER SERVICER, TO ACT AS TAX MATTERS PERSON OF THE UPPER-TIER REMIC. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY PERSON WHICH IS AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE OR A GOVERNMENTAL PLAN, AS DEFINED IN SECTION 3(32) OF ERISA SUBJECT TO ANY FEDERAL, STATE OR LOCAL LAW WHICH IS, TO A MATERIAL EXTENT, SIMILAR TO THE FOREGOING PROVISIONS OF ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR ANY PERSON ACTING ON BEHALF OF OR INVESTING THE ASSETS OF A PLAN. MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-R evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AW 5 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT __________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holder of the Class A-R Certificate with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-R Certificate required to be distributed to the Holder of the Class A-R Certificate on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-R Certificate applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-R Certificate, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT A-LR [Form of Face of Class A-LR Certificate] 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(a)(2) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). A TRANSFEREE OF THIS CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE ACCEPTED THIS CERTIFICATE SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFERABILITY, AS SET FORTH IN SECTION 5.02(d) OF THE POOLING AND SERVICING AGREEMENT, AND SHALL BE REQUIRED TO FURNISH AN AFFIDAVIT TO THE TRANSFEROR AND THE TRUSTEE TO THE EFFECT THAT, AMONG OTHER THINGS, IT IS NOT A DISQUALIFIED ORGANIZATION, AS SUCH TERM IS DEFINED IN CODE SECTION 860E(e)(5), AN AGENT (INCLUDING A BROKER, NOMINEE OR OTHER MIDDLEMAN) FOR A DISQUALIFIED ORGANIZATION OR A NON-PERMITTED FOREIGN HOLDER, AS DEFINED IN SECTION 5.02(d) OF THE POOLING AND SERVICING AGREEMENT AND TO HAVE AGREED TO SUCH AMENDMENTS TO THE POOLING AND SERVICING AGREEMENT AS MAY BE REQUIRED TO FURTHER EFFECTUATE THE RESTRICTIONS ON TRANSFERS TO DISQUALIFIED ORGANIZATIONS, AGENTS THEREOF OR NON-PERMITTED FOREIGN HOLDERS. THE HOLDER OF THIS CLASS A-LR CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE AGREED TO THE DESIGNATION OF THE MASTER SERVICER AS ITS AGENT TO ACT AS "TAX MATTERS PERSON" OF THE LOWER-TIER REMIC TO PERFORM THE FUNCTIONS OF A "TAX MATTERS PARTNER" FOR PURPOSES OF SUBCHAPTER C OF CHAPTER 63 OF SUBTITLE F OF THE CODE, OR, IF SO REQUESTED BY THE MASTER SERVICER, TO ACT AS TAX MATTERS PERSON OF THE LOWER-TIER REMIC. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY PERSON WHICH IS AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE OR A GOVERNMENTAL PLAN, AS DEFINED IN SECTION 3(32) OF ERISA SUBJECT TO ANY FEDERAL, STATE OR LOCAL LAW WHICH IS, TO A MATERIAL EXTENT, SIMILAR TO THE FOREGOING PROVISIONS OF ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), OR ANY PERSON ACTING ON BEHALF OF OR INVESTING THE ASSETS OF A PLAN. MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS A-LR evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AX 3 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT __________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holder of the Class A-LR Certificate with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans"), formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the Class A Distribution Amount for the Class A-LR Certificate required to be distributed to the Holder of the Class A-LR Certificate on such Distribution Date, subject to adjustment in certain events as specified in the Agreement. Distributions in reduction of the Principal Balance of certain Classes of Class A Certificates may not commence on the first Distribution Date specified above. Distributions of principal will be allocated among the Classes of Class A Certificates in accordance with the provisions of the Agreement. The pass-through rate on the Class A-LR Certificate applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class A-LR Certificate, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT B-1 [FORM OF FACE OF CLASS B-1 CERTIFICATE] THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS B-1 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AY 1 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ____________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class B-1 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans") formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and, subject to the prior rights of the Class A Certificates as specified in the Agreement, any Class B-1 Distribution Amount required to be distributed to Holders of the Class B-1 Certificates on such Distribution Date, subject to adjustment, in certain events, as specified in the Agreement. The pass-through rate on the Class B-1 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class B-1 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT B-2 [FORM OF FACE OF CLASS B-2 CERTIFICATE] THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES AND THE CLASS B-1 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS B-2 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 AZ 8 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ____________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class B-2 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans") formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and, subject to the prior rights of the Class A Certificates and each Class of Class B Certificates bearing a lower numerical designation as specified in the Agreement, any Class B-2 Distribution Amount required to be distributed to Holders of the Class B-2 Certificates on such Distribution Date, subject to adjustment, in certain events, as specified in the Agreement. The pass-through rate on the Class B-2 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class B-2 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT B-3 [FORM OF FACE OF CLASS B-3 CERTIFICATE] THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES, THE CLASS B-1 CERTIFICATES AND THE CLASS B-2 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. [UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY TO THE SELLER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR SUCH OTHER NAME AS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY AND ANY PAYMENT IS MADE TO CEDE & CO., ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL SINCE THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS B-3 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 BA 2 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT _______________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class B-3 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans") formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and, subject to the prior rights of the Class A Certificates and each Class of Class B Certificates bearing a lower numerical designation as specified in the Agreement, any Class B-3 Distribution Amount required to be distributed to Holders of the Class B-3 Certificates on such Distribution Date, subject to adjustment, in certain events, as specified in the Agreement. The pass-through rate on the Class B-3 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class B-3 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT B-4 [FORM OF FACE OF CLASS B-4 CERTIFICATE] THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES, THE CLASS B-1 CERTIFICATES, THE CLASS B-2 CERTIFICATES AND THE CLASS B-3 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. EXCEPT AS PROVIDED IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN, THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY PERSON THAT HAS NOT DELIVERED A REPRESENTATION LETTER STATING EITHER (A) THAT THE TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), OR A GOVERNMENTAL PLAN, AS DEFINED IN SECTION 3(32) OF ERISA, SUBJECT TO ANY FEDERAL, STATE OR LOCAL LAW WHICH IS, TO A MATERIAL EXTENT, SIMILAR TO THE FOREGOING PROVISIONS OF ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), AND IS NOT ACTING ON BEHALF OF OR INVESTING THE ASSETS OF A PLAN OR (B) SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE POOLING AND SERVICING AGREEMENT, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT." MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS B-4 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 BB 0 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ____________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class B-4 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans") formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and, subject to the prior rights of the Class A Certificates and each Class of Class B Certificates bearing a lower numerical designation as specified in the Agreement, any Class B-4 Distribution Amount required to be distributed to Holders of the Class B-4 Certificates on such Distribution Date, subject to adjustment, in certain events, as specified in the Agreement. The pass-through rate on the Class B-4 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class B-4 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. No transfer of a Class B-4 Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is desired to be made by the Holder hereof, (i) the transferee will be required to execute an investment letter in the form described in the Agreement and (ii) if such transfer is to be made within three years from the later of (a) the date of initial issuance of the Certificates or (b) the last date on which the Seller or any affiliate thereof was a Holder of the Certificates proposed to be transferred, and unless such transfer is made in reliance on Rule 144A of the Securities Act of 1933, as amended, the Trustee or the Seller may require the Holder to deliver an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Seller that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Seller, the Master Servicer, and any Paying Agent acting on behalf of the Trustee against any liability that may result if the transfer is not so exempt or is not made in accordance with such Federal and state laws. In connection with any such transfer, the Trustee will also require (i) a representation letter, in the form as described in the Agreement, stating either (a) that the transferee is not a Plan and is not acting on behalf of a Plan or using the assets of a Plan to effect such purchase or (b) subject to certain conditions described in the Agreement, that the source of funds used to purchase this Certificate is an "insurance company general account," or (ii) if such transferee is a Plan, (a) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Seller with respect to certain matters and (b) such other documentation as the Seller or the Master Servicer may require, as described in the Agreement. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT B-5 [FORM OF FACE OF CLASS B-5 CERTIFICATE] THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES, THE CLASS B-1 CERTIFICATES, THE CLASS B-2 CERTIFICATES, THE CLASS B-3 CERTIFICATES AND THE CLASS B-4 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. EXCEPT AS PROVIDED IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN, THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY PERSON THAT HAS NOT DELIVERED A REPRESENTATION LETTER STATING EITHER (A) THAT THE TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), OR A GOVERNMENTAL PLAN, AS DEFINED IN SECTION 3(32) OF ERISA, SUBJECT TO ANY FEDERAL, STATE OR LOCAL LAW WHICH IS, TO A MATERIAL EXTENT, SIMILAR TO THE FOREGOING PROVISIONS OF ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), AND IS NOT ACTING ON BEHALF OF OR INVESTING THE ASSETS OF A PLAN OR (B) SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE POOLING AND SERVICING AGREEMENT, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT." MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS B-5 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 BC 8 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ____________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class B-5 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans") formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and, subject to the prior rights of the Class A Certificates and each Class of Class B Certificates bearing a lower numerical designation as specified in the Agreement, any Class B-5 Distribution Amount required to be distributed to Holders of the Class B-5 Certificates on such Distribution Date, subject to adjustment, in certain events, as specified in the Agreement. The pass-through rate on the Class B-5 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class B-5 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. No transfer of a Class B-5 Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is desired to be made by the Holder hereof, (i) the transferee will be required to execute an investment letter in the form described in the Agreement and (ii) if such transfer is to be made within three years from the later of (a) the date of initial issuance of the Certificates or (b) the last date on which the Seller or any affiliate thereof was a Holder of the Certificates proposed to be transferred, and unless such transfer is made in reliance on Rule 144A of the Securities Act of 1933, as amended, the Trustee or the Seller may require the Holder to deliver an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Seller that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Seller, the Master Servicer, and any Paying Agent acting on behalf of the Trustee against any liability that may result if the transfer is not so exempt or is not made in accordance with such Federal and state laws. In connection with any such transfer, the Trustee will also require (i) a representation letter, in the form as described in the Agreement, stating either (a) that the transferee is not a Plan and is not acting on behalf of a Plan or using the assets of a Plan to effect such purchase or (b) subject to certain conditions described in the Agreement, that the source of funds used to purchase this Certificate is an "insurance company general account," or (ii) if such transferee is a Plan, (a) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Seller with respect to certain matters and (b) such other documentation as the Seller or the Master Servicer may require, as described in the Agreement. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT B-6 [FORM OF FACE OF CLASS B-6 CERTIFICATE] THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE CLASS A CERTIFICATES, THE CLASS B-1 CERTIFICATES, THE CLASS B-2 CERTIFICATES, THE CLASS B-3 CERTIFICATES, THE CLASS B-4 CERTIFICATES AND THE CLASS B-5 CERTIFICATES AS DESCRIBED IN THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN. EXCEPT AS PROVIDED IN SECTION 5.02(C) OF THE POOLING AND SERVICING AGREEMENT REFERRED TO HEREIN, THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY PERSON THAT HAS NOT DELIVERED A REPRESENTATION LETTER STATING EITHER (A) THAT THE TRANSFEREE IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER RETIREMENT ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"), OR A GOVERNMENTAL PLAN, AS DEFINED IN SECTION 3(32) OF ERISA, SUBJECT TO ANY FEDERAL, STATE OR LOCAL LAW WHICH IS, TO A MATERIAL EXTENT, SIMILAR TO THE FOREGOING PROVISIONS OF ERISA OR THE CODE (COLLECTIVELY, A "PLAN"), AND IS NOT ACTING ON BEHALF OF OR INVESTING THE ASSETS OF A PLAN OR (B) SUBJECT TO CERTAIN CONDITIONS SET FORTH IN THE POOLING AND SERVICING AGREEMENT, THAT THE SOURCE OF FUNDS USED TO PURCHASE THIS CERTIFICATE IS AN "INSURANCE COMPANY GENERAL ACCOUNT." MORTGAGE PASS-THROUGH CERTIFICATE SERIES 2001-31, CLASS B-6 evidencing an interest in a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, which may include loans secured by shares issued by cooperative housing corporations, sold by WELLS FARGO ASSET SECURITIES CORPORATION (Not an interest in or obligation of the Seller) THIS CERTIFICATE DOES NOT EVIDENCE AN OBLIGATION OF, OR AN INTEREST IN, THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, AND IS NOT INSURED OR GUARANTEED BY THE SELLER, THE MASTER SERVICER, THE TRUSTEE OR ANY OF THEIR AFFILIATES, OR BY ANY GOVERNMENT AGENCY OR PRIVATE INSURER. DISTRIBUTIONS IN REDUCTION OF THE PRINCIPAL BALANCE OF THIS CERTIFICATE WILL BE MADE IN THE MANNER DESCRIBED IN THE POOLING AND SERVICING AGREEMENT. ACCORDINGLY, THE OUTSTANDING PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL PRINCIPAL BALANCE REPRESENTED HEREBY. Certificate No. Cut-Off Date: December 1, 2001 CUSIP No.: 949909 BD 6 First Distribution Date: January 25, 2002 Percentage Interest evidenced Denomination: $ by this Certificate: % Final Scheduled Maturity Date: January 25, 2032 THIS CERTIFIES THAT ____________________________ is the registered owner of the Percentage Interest evidenced by this Certificate in monthly distributions to the Holders of the Class B-6 Certificates with respect to a Trust Estate consisting of a pool of fixed interest rate, conventional, monthly pay, fully amortizing, first lien, one- to four-family residential mortgage loans, other than the Fixed Retained Yield, if any, with respect thereto, and which may include loans secured by shares issued by cooperative housing corporations (the "Mortgage Loans") formed by Wells Fargo Asset Securities Corporation (hereinafter called the "Seller", which term includes any successor entity under the Agreement referred to below). The Trust Estate was created pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 (the "Agreement") among the Seller, Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereinafter. To the extent not defined herein, the capitalized terms used herein have the meanings ascribed to such terms in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month preceding the month of such distribution, in an amount equal to the product of the Percentage Interest evidenced by this Certificate and, subject to the prior rights of the Class A Certificates and each Class of Class B Certificates bearing a lower numerical designation as specified in the Agreement, any Class B-6 Distribution Amount required to be distributed to Holders of the Class B-6 Certificates on such Distribution Date, subject to adjustment, in certain events, as specified in the Agreement. The pass-through rate on the Class B-6 Certificates applicable to each Distribution Date will be 6.500% per annum. The amount of interest which accrues on this Certificate in any month will be subject to reduction with respect to any Non-Supported Interest Shortfall and the interest portion of certain Realized Losses allocated to the Class B-6 Certificates, as described in the Agreement. Distributions on this Certificate will be made on behalf of the Trustee either by the Master Servicer or by a Paying Agent appointed by the Master Servicer by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register, unless such Person is entitled to receive payments by wire transfer in immediately available funds in accordance with the Pooling and Servicing Agreement and such Person has notified the Master Servicer pursuant to the Pooling and Servicing Agreement that such payments are to be made by wire transfer of immediately available funds. Notwithstanding the above, the final distribution in reduction of the Principal Balance of this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency specified by the Trustee for that purpose in the notice of final distribution. No transfer of a Class B-6 Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is desired to be made by the Holder hereof, (i) the transferee will be required to execute an investment letter in the form described in the Agreement and (ii) if such transfer is to be made within three years from the later of (a) the date of initial issuance of the Certificates or (b) the last date on which the Seller or any affiliate thereof was a Holder of the Certificates proposed to be transferred, and unless such transfer is made in reliance on Rule 144A of the Securities Act of 1933, as amended, the Trustee or the Seller may require the Holder to deliver an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Seller that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Seller, the Master Servicer, and any Paying Agent acting on behalf of the Trustee against any liability that may result if the transfer is not so exempt or is not made in accordance with such Federal and state laws. In connection with any such transfer, the Trustee will also require (i) a representation letter, in the form as described in the Agreement, stating either (a) that the transferee is not a Plan and is not acting on behalf of a Plan or using the assets of a Plan to effect such purchase or (b) subject to certain conditions described in the Agreement, that the source of funds used to purchase this Certificate is an "insurance company general account," or (ii) if such transferee is a Plan, (a) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Seller with respect to certain matters and (b) such other documentation as the Seller or the Master Servicer may require, as described in the Agreement. 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 constitutes a "regular interest" in a "real estate mortgage investment conduit" as those terms are defined in Section 860G(a)(1) and Section 860D, respectively, of the Internal Revenue Code of 1986, as amended. Unless this Certificate has been countersigned by an authorized officer of the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed as of the date set forth below. Dated: First Union National Bank, Trustee By____________________________ Authorized Officer Countersigned: First Union National Bank, Trustee By ________________________ Authorized Officer EXHIBIT C [Form of Reverse of Series 2001-31 Certificates] WELLS FARGO ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2001-31 This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event funds are advanced with respect to any Mortgage Loan by a Servicer, the Master Servicer or the Trustee, such advances are reimbursable to such Servicer, the Master Servicer or the Trustee to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including reimbursement to a Servicer, the Master Servicer or the Trustee, as applicable, of advances made by such Servicer, the Master Servicer or the Trustee. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Seller, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Seller, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66 2/3% of the Voting Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange hereof or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the office or agency appointed by the Trustee, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar, duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized Denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and Denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized Denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee or the Certificate Registrar may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Seller, the Master Servicer, the Trustee and the Certificate Registrar, and any agent of the Seller, the Master Servicer, the Trustee or the Certificate Registrar, may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Seller, the Master Servicer, the Trustee, the Certificate Registrar nor any such agent shall be affected by notice to the contrary. The obligations created by the Agreement in respect of the Certificates and the Trust Estate created thereby shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to the Agreement following the earlier of (i) the payment or other liquidation (or advance with respect thereto) of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, and (ii) the purchase by the Seller from the Trust Estate of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans; provided, however, that the Trust Estate will in no event 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 of the Agreement. The Agreement permits, but does not require, the Seller to purchase all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan at a price determined as provided in the Agreement. The exercise of such option will effect early retirement of the Certificates, the Seller's right to exercise such option being subject to the Pool Scheduled Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of such repurchase are distributed being less than ten percent of the Cut-Off Date Aggregate Principal Balance. ASSIGNMENT ---------- FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto _________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ (Please print or typewrite name and address including postal zip code of assignee) the beneficial interest evidenced by the within Mortgage Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Estate. I (We) further direct the Certificate Registrar to issue a new Certificate of a like Denomination or Percentage Interest and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________________________________ _______________________________________________________ Social Security or other Identifying Number of Assignee: _______________________________________________________ Dated: ______________________________________ Signature by or on behalf of assignor ______________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, if the assignee is eligible to receive distributions in immediately available funds, 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 RESERVED EXHIBIT E CUSTODIAL AGREEMENT ------------------- THIS CUSTODIAL AGREEMENT (as amended and supplemented from time to time, the "Agreement"), dated as of _____________, by and among FIRST UNION NATIONAL BANK, not individually, but solely as Trustee (including its successors under the Pooling and Servicing Agreement defined below, the "Trustee"), WELLS FARGO ASSET SECURITIES CORPORATION (together with any successor in interest, the "Seller"), WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION (together with any successor in interest or successor under the Pooling and Servicing Agreement referred to below, the "Master Servicer") and ___________________________ (together with any successor in interest or any successor appointed hereunder, the "Custodian"). W I T N E S S E T H T H A T - - - - - - - - - - - - - - WHEREAS, the Seller, the Master Servicer and the Trustee, have entered into a Pooling and Servicing Agreement dated as of December 21, 2001 relating to the issuance of Mortgage Pass-Through Certificates, Series 2001-31 (as in effect on the date of this Agreement, the "Original Pooling and Servicing Agreement", and as amended and supplemented from time to time, the "Pooling and Servicing Agreement"); and WHEREAS, the Custodian has agreed to act as agent for the Trustee for the purposes of receiving and holding certain documents and other instruments delivered by the Seller under the Pooling and Servicing Agreement, all upon the terms and conditions and subject to the limitations hereinafter set forth; NOW, THEREFORE, in consideration of the premises and the mutual covenants and agreements hereinafter set forth, the Trustee, the Seller, the Master Servicer and the Custodian hereby agree as follows: Definitions Capitalized terms used in this Agreement and not defined herein shall have the meanings assigned in the Original Pooling and Servicing Agreement, unless otherwise required by the context herein. Custody of Mortgage Documents Section 1.1 Custodian to Act as Agent; Acceptance of Custodial Files. The Custodian, as the duly appointed agent of the Trustee for these purposes, acknowledges receipt of the Mortgage Notes, the Mortgages, the assignments and other documents relating to the Mortgage Loans identified on the schedule attached hereto and declares that it holds and will hold such Mortgage Notes, Mortgages, assignments and other documents and any similar documents received by the Trustee subsequent to the date hereof (the "Custodial Files") as agent for the Trustee, in trust, for the use and benefit of all present and future Certificateholders. Section 1.2 Recordation of Assignments. If any Custodial File includes one or more assignments to the Trustee of Mortgage Notes and related Mortgages that have not been recorded, each such assignment shall be delivered by the Custodian to the Seller for the purpose of recording it in the appropriate public office for real property records, and the Seller, at no expense to the Custodian, shall promptly cause to be recorded in the appropriate public office for real property records each such assignment and, upon receipt thereof from such public office, shall return each such assignment to the Custodian. Section 1.3 Review of Custodial Files. The Custodian agrees, for the benefit of Certificateholders, to review, in accordance with the provisions of Section 2.01 of the Pooling and Servicing Agreement, each Custodial File. If in performing the review required by this Section 2.3 the Custodian finds any document or documents constituting a part of a Custodial File to be missing or defective in any material respect, the Custodian shall promptly so notify the Seller, the Master Servicer and the Trustee. Section 1.4 Notification of Breaches of Representations and Warranties. Upon discovery by the Custodian of a breach of any representation or warranty made by the Seller or the Master Servicer as set forth in the Pooling and Servicing Agreement, the Custodian shall give prompt written notice to the Seller, the Master Servicer and the Trustee. Section 1.5 Custodian to Cooperate; Release of Custodial Files. Upon the payment in full of any Mortgage Loan, or the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer shall immediately notify the Custodian by a certification (which certification shall include a statement to the effect that all amounts received or to be received in connection with such payment which are required to be deposited in the Certificate Account pursuant to Section 3.02 of the Pooling and Servicing Agreement have been or will be so deposited) of a Servicing Officer and shall request delivery to it of the Custodial File. The Custodian agrees, upon receipt of such certification and request, promptly to release the related Custodial File to the Master Servicer. From time to time as is appropriate for the servicing or foreclosure of any Mortgage Loan, the Master Servicer shall deliver to the Custodian a certificate of a Servicing Officer requesting that possession of all, or any document constituting part of, the Custodial File be released to the Master Servicer and certifying as to the reason for such release and that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan. With such certificate, the Master Servicer shall deliver to the Custodian a receipt signed by a Servicing Officer on behalf of the Master Servicer, and upon receipt of the foregoing, the Custodian shall deliver the Custodial File or such document to the Master Servicer. The Master Servicer shall cause each Custodial File or any document therein so released to be returned to the Custodian when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Certificate Account to the extent required by the Pooling and Servicing Agreement or (ii) the Custodial File or such document has been delivered to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered to the Custodian a certificate of a Servicing Officer certifying as to the name and address of the Person to which such Custodial File or such document were delivered and the purpose or purposes of such delivery. In the event of the liquidation of a Mortgage Loan, the Custodian shall deliver such receipt with respect thereto to the Master Servicer upon deposit of the related Liquidation Proceeds in the Certificate Account to the extent required by the Pooling and Servicing Agreement. Section 1.6 Assumption Agreements. In the event that any assumption agreement or substitution of liability agreement is entered into with respect to any Mortgage Loan subject to this Agreement in accordance with the terms and provisions of the Pooling and Servicing Agreement, the Master Servicer shall notify the Custodian that such assumption or substitution agreement has been completed by forwarding to the Custodian the original of such assumption or substitution agreement, which copy shall be added to the related Custodial File and, for all purposes, shall be considered a part of such Custodial File to the same extent as all other documents and instruments constituting parts thereof. Concerning the Custodian Section 1.7 Custodian a Bailee and Agent of the Trustee. With respect to each Mortgage Note, Mortgage and other documents constituting each Custodian File which are delivered to the Custodian, the Custodian is exclusively the bailee and agent of the Trustee, holds such documents for the benefit of Certificateholders and undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. Except upon compliance with the provisions of Section 2.5 of this Agreement, no Mortgage Note, Mortgage or other document constituting a part of a Custodial File shall be delivered by the Custodian to the Seller or the Master Servicer or otherwise released from the possession of the Custodian. Section 1.8 Indemnification. The Seller hereby agrees to indemnify and hold the Custodian harmless from and against all claims, liabilities, losses, actions, suits or proceedings at law or in equity, or any other expenses, fees or charges of any character or nature, which the Custodian may incur or with which the Custodian may be threatened by reasons of its acting as custodian under this Agreement, including indemnification of the Custodian against any and all expenses, including attorney's fees if counsel for the Custodian has been approved by the Seller, and the cost of defending any action, suit or proceedings or resisting any claim. Notwithstanding the foregoing, it is specifically understood and agreed that in the event any such claim, liability, loss, action, suit or proceeding or other expense, fees, or charge shall have been caused by reason of any negligent act, negligent failure to act, or willful misconduct on the part of the Custodian, or which shall constitute a willful breach of its duties hereunder, the indemnification provisions of this Agreement shall not apply. Section 1.9 Custodian May Own Certificates. The Custodian in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Custodian. Section 1.10 Master Servicer to Pay Custodian's Fees and Expenses. The Master Servicer covenants and agrees to pay to the Custodian from time to time, and the Custodian shall be entitled to, reasonable compensation for all services rendered by it in the exercise and performance of any of the powers and duties hereunder of the Custodian, and the Master Servicer will pay or reimburse the Custodian upon its request for all reasonable expenses, disbursements and advances incurred or made by the Custodian in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ), except any such expense, disbursement or advance as may arise from its negligence or bad faith. Section 1.11 Custodian May Resign; Trustee May Remove Custodian. The Custodian may resign from the obligations and duties hereby imposed upon it as such obligations and duties relate to its acting as Custodian of the Mortgage Loans. Upon receiving such notice of resignation, the Trustee shall either take custody of the Custodial Files itself and give prompt notice thereof to the Seller, the Master Servicer and the Custodian or promptly appoint a successor Custodian by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Custodian and one copy to the successor Custodian. If the Trustee shall not have taken custody of the Custodial Files and no successor Custodian shall have been so appointed and have accepted resignation, the resigning Custodian may petition any court of competent jurisdiction for the appointment of a successor Custodian. The Trustee may remove the Custodian at any time. In such event, the Trustee shall appoint, or petition a court of competent jurisdiction to appoint, a successor Custodian hereunder. Any successor Custodian shall be a depository institution subject to supervision or examination by federal or state authority and shall be able to satisfy the other requirements contained in Section 3.7. Any resignation or removal of the Custodian and appointment of a successor Custodian pursuant to any of the provisions of this Section 3.5 shall become effective upon acceptance of appointment by the successor Custodian. The Trustee shall give prompt notice to the Seller and the Master Servicer of the appointment of any successor Custodian. No successor Custodian shall have been appointed and accepted appointment by the Trustee without the prior approval of the Seller and the Master Servicer. Section 1.12 Merger or Consolidation of Custodian. Any Person into which the Custodian may be merged or converted or with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation to which the Custodian shall be a party, or any Person succeeding to the business of the Custodian, shall be the successor of the Custodian hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. Section 1.13 Representations of the Custodian. The Custodian hereby represents that it is a depository institution subject to supervision or examination by a federal or state authority, has a combined capital and surplus of at least $10,000,000 and is qualified to do business in the jurisdiction in which it will hold any Custodian File. Miscellaneous Provisions Section 1.14 Notices. All notices, requests, consents and demands and other communications required under this Agreement or pursuant to any other instrument or document delivered hereunder shall be in writing and, unless otherwise specifically provided, may be delivered personally, by telegram or telex, or by registered or certified mail, postage prepaid, return receipt requested, at the addresses specified on the signature page hereof (unless changed by the particular party whose address is stated herein by similar notice in writing), in which case the notice will be deemed delivered when received. Section 1.15 Amendments. No modification or amendment of or supplement to this Agreement shall be valid or effective unless the same is in writing and signed by all parties hereto, and neither the Seller, the Master Servicer nor the Trustee shall enter into any amendment hereof except as permitted by the Pooling and Servicing Agreement. The Trustee shall give prompt notice to the Custodian of any amendment or supplement to the Pooling and Servicing Agreement and furnish the Custodian with written copies thereof. Section 1.16 Governing Law. This Agreement shall be deemed a contract made under the laws of the State of New York and shall be construed and enforced in accordance with and governed by the laws of the State of New York. Section 1.17 Recordation of Agreement. To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer and at its expense on direction by the Trustee, but only upon direction accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders. 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 1.18 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. IN WITNESS WHEREOF, this Agreement is executed as of the date first above written. Address: FIRST UNION NATIONAL BANK 401 South Tryon Street By:__________________________________ Charlotte, North Carolina, 28202 Name:________________________________ Title:_______________________________ Address: WELLS FARGO ASSET SECURITIES CORPORATION 7485 New Horizon Way Frederick, Maryland 21703 By:__________________________________ Name:________________________________ Title:_______________________________ Address: WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION 7485 New Horizon Way Frederick, Maryland 21703 By:__________________________________ Name:________________________________ Title:_______________________________ [CUSTODIAN] Address: By:__________________________________ Name:________________________________ Title:_______________________________ STATE OF ) ) ss.: COUNTY OF ) On this ____ day of _________, 20__, before me, a notary public in and for the State of ____________, personally appeared _______________, known to me who, being by me duly sworn, did depose and say that he resides at __________________________; that he is the __________ of Wells Fargo Asset Securities Corporation a Delaware corporation, one of the parties that executed the foregoing instrument; and that he signed his name thereto by order of the Board of Directors of said corporation. _________________________________________ Notary Public [NOTARIAL SEAL] STATE OF ) ) ss.: COUNTY OF ) On this ____ day of _________, 20__, before me, a notary public in and for the State of ____________, personally appeared _______________, known to me who, being by me duly sworn, did depose and say that he resides at __________________________; that he is the __________ of Wells Fargo Bank Minnesota, National Association, a national banking association, one of the parties that executed the foregoing instrument; and that he signed his name thereto by order of the Board of Directors of said corporation. _________________________________________ Notary Public [NOTARIAL SEAL] STATE OF ) ) ss.: COUNTY OF ) On this ___ day of ________, 20__, before me, a notary public in and for the State of ____________, personally appeared __________ _________, known to me who, being by me duly sworn, did depose and say that he resides at __________________________; that he is the ____________________ of First Union National Bank, a national banking association, one of the parties that executed the foregoing instrument; and that he signed his name thereto by order of the Board of Directors of said association. _________________________________________ Notary Public [NOTARIAL SEAL] STATE OF ) ) ss.: COUNTY OF ) On this ____ day of ________, 20 , before me, a notary public in and for the State of __________, personally appeared __________ __________, known to me who, being by me duly sworn, did depose and say that he resides at __________________________; that he is the _______________________ of ______________________, a _________________________, one of the parties that executed the foregoing instrument; and that he signed his name thereto by order of the Board of Directors of said association. _________________________________________ Notary Public [NOTARIAL SEAL] EXHIBIT F-1 [Schedule of Type 1 Mortgage Loans]
WFMBS WFMBS 2001-31 EXHIBIT F-1 30 YEAR FIXED RATE NON-RELOCATION LOANS (i) (ii) (iii) (iv) (v) (vi) (vii) ----- -------------------------------- ----- -------- -------- -------- ---------- -------- NET MORTGAGE MORTGAGE MORTGAGE CURRENT ORIGINAL LOAN ZIP PROPERTY INTEREST INTEREST MONTHLY TERM TO NUMBER CITY STATE CODE TYPE RATE RATE PAYMENT MATURITY -------- -------------------------------- ----- -------- -------- -------- ---------- -------- 0077363 JACKSON NJ 08527 SFD 7.375 6.500 $2,293.04 360 1002828 GREEN COVE SPRING FL 32043 SFD 6.875 6.500 $4,756.16 360 2007032 GREEN BAY WI 54311 SFD 7.375 6.500 $2,804.14 360 2010998 MINNEAPOLIS MN 55401 SFD 7.125 6.500 $2,593.82 360 2014142 SAMMAMISH WA 98075 SFD 7.000 6.500 $2,395.09 360 2025706 MARIETTA GA 30064 SFD 7.000 6.500 $3,905.33 360 2026434 SAN JOSE CA 95125 SFD 6.875 6.500 $2,552.17 360 2040987 EDINA MN 55439 SFD 7.125 6.500 $3,233.85 360 2071802 NORTHFIELD IL 60093 SFD 7.000 6.500 $3,792.22 360 2187643 LUBBOCK TX 79424 SFD 6.875 6.500 $2,956.18 360 2822700 PAYSON AZ 85541 SFD 6.875 6.500 $2,867.49 360 2950995 NEWPORT BEACH CA 92625 SFD 6.875 6.500 $3,521.14 360 2962349 SPOKANE WA 99202 SFD 6.875 6.500 $3,048.15 360 2970287 SAN DIEGO CA 92130 SFD 7.000 6.500 $3,326.51 360 3615821 FORT COLLINS CO 80524 SFD 7.250 6.500 $2,148.86 360 3841623 NEWPORT BEACH CA 92660 SFD 6.875 6.500 $5,019.36 360 3844893 SARTELL MN 56377 SFD 7.000 6.500 $2,967.25 360 3848830 BOULDER CO 80302 SFD 7.000 6.500 $4,158.14 360 3849129 LAKE ELMO MN 55042 SFD 7.000 6.500 $2,245.40 360 3849862 ALBUQUERQUE NM 87114 SFD 7.125 6.500 $3,085.63 360 3850063 TUSTIN CA 92782 SFD 6.875 6.500 $2,364.94 360 3850156 OVIEDO FL 32765 SFD 7.250 6.500 $2,086.85 360 3850241 COLT NECK NJ 07722 SFD 7.125 6.500 $3,921.04 360 3853896 ST PAUL MN 55105 SFD 6.875 6.500 $2,857.64 360 3889491 FAIRFIELD CA 94533 SFD 7.125 6.500 $2,317.59 360 3890109 GRIMES IA 50111 SFD 7.250 6.500 $2,728.71 360 3890666 BAKERSFIELD CA 93311 SFD 7.125 6.500 $3,435.96 360 3892002 LAKE FOREST IL 60045 SFD 7.000 6.500 $3,945.25 360 3892138 CARBONDALE CO 81623 SFD 7.125 6.500 $3,065.42 360 4073060 GREENWICH CT 06830 SFD 7.250 6.500 $2,813.74 240 4097556 ALPHARETTA GA 30005 SFD 7.000 6.500 $2,854.15 360 4098869 BLOOMINGTON MN 55438 SFD 6.625 6.358 $2,497.22 360 4109914 STEAMBOAT SPRINGS CO 80487 SFD 7.000 6.500 $2,162.23 360 4138285 MOUND MN 55364 SFD 7.000 6.500 $3,326.51 360 4147070 OAKLAND CA 94610 SFD 7.000 6.500 $2,228.76 360 4169728 IRVINE CA 92604 LCO 6.750 6.483 $2,033.36 360 4175287 SAN FRANCISCO CA 94115 SFD 6.875 6.500 $4,270.04 360 4183687 BLOOMINGTON MN 55437 SFD 7.000 6.500 $3,376.41 360 4219771 ARVADA CO 80007 SFD 7.250 6.500 $2,401.26 360 4225064 OREGON CITY OR 97045 SFD 7.250 6.500 $3,683.76 360 4231025 CHICAGO IL 60657 LCO 7.250 6.500 $3,410.89 360 4232022 DUBLIN CA 94568 SFD 6.875 6.500 $2,693.41 360 4234626 KENSINGTON CA 94707 SFD 7.250 6.500 $2,701.08 360 4235839 OAKLAND CA 94610 SFD 7.375 6.500 $3,073.85 360 4235843 ALBANY CA 94706 SFD 7.375 6.500 $2,676.02 360 4235868 EL CERRITO CA 94530 SFD 7.500 6.500 $2,407.05 360 4235906 OAKLAND CA 94610 SFD 7.375 6.500 $2,185.65 360 4239277 FREMONT CA 94539 SFD 6.750 6.483 $4,215.89 360 4244916 DEAL NJ 07723 SFD 7.125 6.500 $3,153.01 360 4248309 OJAI AREA CA 93023 SFD 7.250 6.500 $2,200.02 360 4251254 BAYSIDE NY 11361 COP 7.250 6.500 $ 982.33 360 4254644 SAN FRANCISCO CA 94114 SFD 6.750 6.483 $3,606.21 360 4256903 BELLE HARBOR NY 11694 SFD 6.750 6.483 $2,432.25 360 4260825 WESTON CT 06880 SFD 6.500 6.233 $3,893.54 360 4261121 MORAGA CA 94556 SFD 7.375 6.500 $2,555.50 360 4262443 ARROYO GRANDE CA 93420 SFD 7.375 6.500 $2,610.76 360 4262585 BOZEMAN MT 59718 SFD 7.375 6.500 $2,969.90 360 4262914 BROOKLYN NY 11231 HCO 7.500 6.500 $2,629.05 360 4266131 PORTOLA VALLEY CA 94028 SFD 6.875 6.500 $4,302.89 360 4266664 LIVERMORE CA 94550 SFD 7.000 6.500 $2,554.77 360 4267250 MCLEAN VA 22102 SFD 7.375 6.500 $4,316.72 360 4267532 NEW YORK NY 10038 HCO 7.500 6.500 $3,642.91 360 4271871 RIDGEFIELD CT 06877 SFD 7.250 6.500 $2,421.73 360 4272384 MELVILLE NY 11747 SFD 6.500 6.233 $2,451.16 360 4272526 FLORAL PARK NY 11004 SFD 7.125 6.500 $2,116.56 360 4272952 WILMINGTON DE 19807 SFD 7.000 6.500 $2,554.77 360 4273387 DARIEN CT 06820 SFD 7.250 6.500 $4,973.07 360 4274717 NEW YORK NY 10007 COP 7.125 6.500 $3,941.26 360 4275737 TOMS RIVER NJ 08755 SFD 7.375 6.500 $3,444.75 360 4276079 NEW YORK NY 10028 COP 7.250 6.500 $5,798.50 360 4276882 DAVIDSONVILLE MD 21035 SFD 6.750 6.483 $2,432.24 360 4278476 CONCORD NC 28025 SFD 7.625 6.500 $3,535.43 360 4278631 MORGAN HILL CA 95037 SFD 6.750 6.483 $3,833.22 360 4282390 FAIRMOUNT GA 30139 SFD 7.500 6.500 $2,691.98 360 4283889 FORT MYERS BEACH FL 33931 HCO 7.500 6.500 $2,377.33 360 4284367 APEX NC 27502 SFD 7.375 6.500 $2,619.74 360 4284750 NEW YORK NY 10003 COP 7.125 6.500 $2,223.28 360 4286730 ROCKVILLE MD 20853 SFD 6.875 6.500 $3,284.65 360 4288548 HOLDEN BEACH NC 28462 SFD 7.125 6.500 $2,304.12 360 4289693 MONTEBELLO NY 10901 SFD 7.125 6.500 $3,018.26 360 4290547 NAPERVILLE IL 60564 SFD 7.250 6.500 $2,558.17 360 4290796 AGOURA HILLS CA 91301 SFD 7.375 6.500 $5,939.81 360 4291218 ROSEVILLE CA 95747 SFD 7.375 6.500 $2,171.48 360 4291371 LAS VEGAS NV 89124 SFD 7.000 6.500 $2,195.50 360 4292248 SHAWNEE KS 66216 SFD 7.750 6.500 $3,588.14 360 4292575 NORTHRIDGE CA 91326 SFD 6.750 6.483 $3,074.36 360 4292685 SOUTH SALEM NY 10590 SFD 7.250 6.500 $2,558.16 360 4292854 SANTA ANA CA 92706 SFD 7.000 6.500 $3,134.91 360 4293199 CARLSBAD CA 92009 SFD 7.125 6.500 $2,829.62 360 4294144 SEATTLE WA 98136 SFD 7.000 6.500 $3,812.19 360 4295055 TUSTIN CA 92780 SFD 7.375 6.500 $2,265.42 360 4295443 LEBANON TN 37087 SFD 6.750 6.483 $2,419.45 360 4297302 SANTA ANA CA 92705 SFD 7.125 6.500 $2,865.13 240 4298480 DAVIS CA 95616 SFD 7.125 6.500 $2,209.80 360 4299258 SUPERIOR CO 80027 PUD 7.375 6.500 $2,990.62 360 4299942 LANDENBERG PA 19350 SFD 7.500 6.500 $5,593.72 360 4300152 NICEVILLE FL 32578 SFD 7.125 6.500 $2,236.75 360 4300784 PONTE VERDA BEACH FL 32082 SFD 7.250 6.500 $4,816.16 360 4301256 WAYNE PA 19087 SFD 7.375 6.500 $2,707.45 360 4301734 HIGH POINT NC 27265 SFD 6.875 6.500 $2,956.18 360 4301932 LOS ALTOS CA 94022 SFD 6.750 6.483 $4,215.89 360 4302737 RIDGEFIELD CT 06877 SFD 7.000 6.500 $4,989.77 360 4303188 RALEIGH NC 27617 SFD 6.750 6.483 $2,324.19 360 4303243 BENTONVILLE AR 72712 SFD 7.000 6.500 $2,341.86 360 4303524 DIX HILLS NY 11746 SFD 6.875 6.500 $2,627.72 360 4303743 STEVENSON RANCH CA 91381 SFD 7.125 6.500 $3,271.58 360 4303832 NEWTON MA 02459 SFD 7.250 6.500 $2,899.25 360 4303914 MONUMENT CO 80132 SFD 7.250 6.500 $3,410.89 360 4304305 BRENTWOOD CA 94513 SFD 7.375 6.500 $2,403.55 360 4304397 DOBBS FERRY NY 10522 SFD 7.250 6.500 $2,169.32 360 4305202 LOS ANGELES CA 90046 SFD 7.125 6.500 $6,467.70 360 4305604 NEW YORK NY 10023 HCO 7.125 6.500 $3,031.74 360 4305963 OAKTON VA 22124 SFD 6.875 6.500 $4,697.05 360 4307001 SANTA MONICA CA 90402 HCO 6.750 6.483 $2,270.10 360 4307565 MIDDLE VILLAGE NY 11379 MF2 7.375 6.500 $3,094.23 360 4308587 LAWRENCEVILLE GA 30043 SFD 7.375 6.500 $2,131.42 360 4309034 WASHINGTON CROSSING PA 18977 SFD 6.750 6.483 $2,020.39 360 4309179 THOUSAND OAKS CA 91360 SFD 7.000 6.500 $3,326.52 360 4310044 PLAYA DEL REY CA 90293 SFD 6.875 6.500 $3,715.59 360 4310387 NEWTOWN PA 18940 SFD 6.750 6.483 $2,636.56 360 4310936 MONROE CT 06468 SFD 7.000 6.500 $2,171.55 360 4310942 DULUTH GA 30097 SFD 7.000 6.500 $4,191.41 360 4311154 RESTON VA 20194 SFD 6.875 6.500 $2,267.64 360 4311425 SANTA BARBARA CA 93110 SFD 6.750 6.483 $2,276.58 360 4311754 SEATTLE WA 98104 HCO 7.000 6.500 $2,077.09 360 4311783 HANOVER NH 03755 SFD 6.875 6.500 $4,434.27 360 4312014 DUMFRIES VA 22026 SFD 7.125 6.500 $2,263.69 360 4312119 BLUE BELL PA 19422 SFD 7.125 6.500 $2,246.40 360 4312287 COROLLA NC 27927 SFD 7.250 6.500 $3,410.89 360 4312935 SUGAR LAND TX 77479 SFD 6.750 6.483 $2,636.55 360 4313083 EDEN PRAIRIE MN 55347 SFD 7.000 6.500 $3,519.76 300 4313213 TAVERNIER FL 33070 SFD 7.125 6.500 $4,042.31 360 4313512 DANA POINT CA 92629 SFD 7.000 6.500 $2,089.05 360 4313599 DIX HILLS NY 11746 SFD 7.250 6.500 $3,410.89 360 4314215 SAN JOSE CA 95135 LCO 7.625 6.500 $2,381.02 360 4314748 ASHBURN VA 20147 SFD 7.125 6.500 $2,526.11 360 4315004 PITTSBORO NC 27312 SFD 7.250 6.500 $2,558.17 360 4315486 LEESBURG VA 20175 SFD 7.000 6.500 $2,395.09 360 4315659 DOYLESTOWN PA 18901 SFD 6.750 6.483 $2,010.65 360 4315730 LAKEVILLE MN 55372 SFD 7.375 6.500 $2,099.65 360 4315746 LAKE ELMO MN 55042 SFD 7.375 6.500 $2,887.03 360 4316234 SAN JOSE CA 95138 SFD 7.000 6.500 $4,989.77 360 4316565 UPPER MAKEFIELD TOWNSHIP PA 18938 SFD 6.750 6.483 $3,242.99 360 4316913 COLUMBIA MO 65203 SFD 7.125 6.500 $5,810.82 360 4316936 SAN JOSE CA 95120 SFD 7.125 6.500 $2,250.22 360 4316937 SOUTH SALEM NY 10590 SFD 6.500 6.233 $4,503.49 360 4317353 EVANSTON IL 60201 SFD 7.000 6.500 $2,109.01 360 4317367 WESTWOOD MA 02090 SFD 6.500 6.233 $3,539.59 360 4317571 BETHESDA MD 20816 SFD 6.875 6.500 $2,096.92 360 4317690 WESTON FL 33326 SFD 7.000 6.500 $2,772.99 360 4318481 KEY BISCAYNE FL 33149 LCO 7.625 6.500 $2,434.82 360 4318482 CHEVY CHASE MD 20815 SFD 6.875 6.500 $2,089.04 360 4318546 RANCHO PALOS VERDES CA 90275 SFD 7.000 6.500 $2,327.90 360 4318657 SHERBORN MA 01770 SFD 6.875 6.500 $3,493.56 240 4318761 NEWPORT BEACH CA 92660 SFD 7.000 6.500 $3,093.66 360 4318888 POTOMAC MD 20854 SFD 6.875 6.500 $3,356.91 360 4318889 CORONADO CA 92118 MF2 7.125 6.500 $3,705.46 360 4319020 REDWOOD CITY CA 94061 SFD 6.625 6.358 $2,497.22 360 4319061 FRANKLIN LAKES NJ 07417 SFD 7.250 6.500 $3,069.79 360 4319158 HAYMARKET VA 20169 PUD 7.375 6.500 $2,435.67 360 4319263 MILL VALLEY CA 94941 SFD 6.875 6.500 $4,401.41 360 4319702 ROSLYN HEIGHTS NY 11577 SFD 6.625 6.358 $2,433.19 360 4319957 SUNFISH LAKE MN 55118 SFD 7.000 6.500 $4,983.12 360 4319972 CHANDLER AZ 85248 SFD 7.250 6.500 $2,899.25 360 4320124 OMAHA NE 68118 SFD 6.750 6.483 $2,069.03 360 4320129 MT VERNON NY 10552 SFD 7.500 6.500 $2,300.42 360 4320177 SANTA CLARITA CA 91321 SFD 7.125 6.500 $2,088.53 360 4320269 FAIRFAX STATION VA 22039 SFD 7.125 6.500 $3,468.02 360 4320521 RYE NH 03870 SFD 7.250 6.500 $5,116.32 360 4320773 WOODSTOCK MD 21163 SFD 6.875 6.500 $2,126.48 360 4320962 COLTS NECK NJ 07722 SFD 6.750 6.483 $5,289.32 360 4321200 CHAGRIN FALLS OH 44023 SFD 7.000 6.500 $2,273.34 360 4321468 MOUNT KISCO NY 10549 SFD 7.250 6.500 $2,933.36 360 4321611 TARZANA CA 91356 SFD 7.125 6.500 $2,795.94 360 4321660 CASTLE ROCK CO 80104 SFD 7.250 6.500 $2,193.20 360 4321778 RICHMOND CA 94805 SFD 7.750 6.500 $1,413.13 360 4321855 PAWLEYS ISLAND SC 29585 SFD 7.000 6.500 $1,829.59 360 4321950 SUNNYVALE CA 94087 SFD 7.000 6.500 $2,973.91 360 4322171 PETALUMA CA 94952 SFD 6.875 6.500 $2,318.96 360 4322207 IRVINE CA 92620 SFD 7.250 6.500 $2,431.28 360 4322262 LARCHMONT NY 10538 SFD 7.000 6.500 $2,860.81 360 4322452 PORT JEFFERSON NY 11777 SFD 7.375 6.500 $2,555.50 360 4322500 SOUTHPORT CT 06490 SFD 6.875 6.500 $2,726.26 360 4322535 PRINCE FREDERICK MD 20678 SFD 7.000 6.500 $2,142.28 360 4322579 SAN MARCOS CA 92078 SFD 7.000 6.500 $2,153.92 360 4322916 WAYNE NJ 07470 SFD 6.875 6.500 $2,693.41 360 4322922 TEWKSBURY NJ 08833 SFD 6.875 6.500 $4,368.58 360 4323330 HILTON HEAD ISLAND SC 29928 SFD 7.000 6.500 $2,074.42 360 4323364 SAN JOSE CA 95120 SFD 7.000 6.500 $4,078.31 360 4324245 SAN JOSE CA 95122 SFD 6.750 6.483 $2,127.41 360 4324659 ASHBURN VA 20147 PUD 7.000 6.500 $2,187.51 360 4324681 AVALON NJ 08202 SFD 7.375 6.500 $3,957.57 360 4325540 ANNAPOLIS MD 21401 SFD 7.500 6.500 $6,992.15 360 4325543 BOWIE MD 20715 SFD 7.000 6.500 $2,377.28 360 4325584 BOCA RATON FL 33428 SFD 6.875 6.500 $2,364.95 360 4325594 CORTE MADERA CA 94925 SFD 7.250 6.500 $6,821.77 360 4325605 RANCHO MIRAGE CA 92270 SFD 6.875 6.500 $3,201.99 360 4325657 DANVILLE CA 94526 SFD 7.375 6.500 $4,109.52 360 4325814 GREENWICH CT 06831 SFD 7.000 6.500 $2,528.15 360 4325844 WESTMINSTER CO 80234 SFD 7.125 6.500 $2,658.30 360 4326132 LAKE ST. LOUIS MO 63367 SFD 7.375 6.500 $2,947.80 360 4326164 EDGEWATER MD 21037 SFD 6.625 6.358 $2,612.47 360 4326291 TAMPA FL 33606 SFD 7.375 6.500 $5,922.54 360 4326323 LEXINGTON MA 02421 SFD 7.125 6.500 $2,573.61 360 4326367 FAIRFIELD CT 06432 SFD 6.750 6.483 $2,231.18 360 4326465 VIENNA VA 22180 SFD 7.000 6.500 $2,179.53 360 4326916 HOLMDEL NJ 07733 SFD 6.875 6.500 $3,120.42 360 4326958 RIDGEFIELD CT 06877 SFD 6.875 6.500 $3,182.82 360 4327059 WEXFORD PA 15090 SFD 6.750 6.483 $2,521.95 360 4327107 SPRINGFIELD MO 65810 SFD 7.125 6.500 $2,209.80 360 4327124 ENCINO CA 91316 SFD 6.750 6.483 $4,170.49 360 4327210 JAMUL CA 91935 SFD 7.000 6.500 $2,694.48 360 4327442 MCKINNEY TX 75070 SFD 6.875 6.500 $2,124.45 360 4327515 SUNNYVALE CA 94086 SFD 7.250 6.500 $2,128.39 360 4327527 BRENTWOOD CA 94513 SFD 8.500 6.500 $2,565.10 360 4327654 CHEVY CHASE MD 20815 SFD 7.125 6.500 $2,425.39 360 4327666 OLD WESTBURY NY 11568 SFD 7.000 6.500 $4,989.77 360 4327989 BELLEVUE WA 98006 SFD 7.000 6.500 $2,833.19 360 4327992 DALY CITY CA 94015 SFD 7.000 6.500 $2,713.55 240 4328041 PROSPER TX 75078 SFD 7.250 6.500 $3,902.05 360 4328180 LEXINGTON MA 02420 SFD 7.000 6.500 $2,661.21 360 4328270 STEVENSVILLE MD 21666 SFD 7.000 6.500 $2,149.25 360 4328275 FREMONT CA 94539 SFD 6.750 6.483 $3,346.77 360 4328299 BEND OR 97701 SFD 7.250 6.500 $2,237.54 360 4328343 EDMOND OK 73013 SFD 7.375 6.500 $2,486.43 360 4328402 BROOKFIELD WI 53045 SFD 7.375 6.500 $2,866.31 360 4328482 MAPLE GROVE MN 55369 SFD 7.250 6.500 $2,063.47 360 4328541 ALPINE CA 91901 SFD 7.000 6.500 $2,874.11 360 4328618 DALY CITY CA 94015 SFD 7.250 6.500 $2,428.55 360 4328641 LAWRENCEVILLE GA 30043 SFD 6.500 6.233 $2,180.64 360 4328649 MANHATTAN BEACH CA 90266 SFD 6.875 6.500 $2,834.65 360 4328656 SAN RAMON CA 94583 SFD 7.000 6.500 $2,654.82 360 4328711 CLIFTON VA 20124 SFD 6.875 6.500 $2,635.98 360 4328782 BUENA PARK CA 90621 PUD 7.500 6.500 $2,209.52 360 4329092 PALO ALTO CA 94306 SFD 6.875 6.500 $2,937.79 360 4329305 NEWBURY PARK CA 91320 SFD 6.750 6.483 $2,030.12 360 4329359 BERKELEY HEIGHTS NJ 07922 SFD 7.000 6.500 $2,176.87 360 4329749 SIMI VALLEY CA 93063 SFD 7.125 6.500 $3,203.19 360 4329763 SAN JOSE CA 95120 SFD 6.875 6.500 $2,660.57 360 4329881 CAPE ELIZABETH ME 04107 SFD 7.250 6.500 $4,058.95 360 4329963 MISSION VIEJO CA 92692 SFD 7.000 6.500 $2,328.56 360 4330187 EAST PATCHOGUE NY 11772 SFD 6.875 6.500 $1,162.76 360 4330378 DELAFIELD WI 53072 SFD 6.875 6.500 $2,535.75 360 4330475 HIGHLAND PARK IL 60035 SFD 7.500 6.500 $3,007.33 360 4330514 CROWNSVILLE MD 21032 SFD 6.750 6.483 $3,243.00 360 4330652 LAGUNA HILLS CA 92653 SFD 7.500 6.500 $3,357.98 360 4330672 ARLINGTON VA 22205 SFD 7.125 6.500 $2,075.60 360 4330800 SAN DIEGO CA 92131 SFD 7.750 6.500 $4,656.68 360 4330864 BEVERLY HILLS CA 90212 SFD 6.750 6.483 $4,215.89 360 4330937 SOUTH SAN FRANCISCO CA 94080 SFD 7.000 6.500 $3,060.40 360 4330997 YORBA LINDA CA 92686 SFD 6.875 6.500 $3,682.41 360 4331011 FALLBROOK CA 92028 SFD 7.500 6.500 $2,601.08 360 4331417 EL DORADO HILLS CA 95762 SFD 7.125 6.500 $3,638.09 360 4331614 SAINT PETERSBURG FL 33702 SFD 6.625 6.358 $2,881.40 360 4331819 BURNSVILLE MN 55306 SFD 7.000 6.500 $3,858.76 360 4331845 WEST CHESTER PA 19382 SFD 7.250 6.500 $4,434.15 360 4332032 BOLTON MA 01740 SFD 7.000 6.500 $3,023.14 360 4332077 CASTRO VALLEY CA 94552 SFD 6.625 6.358 $3,259.19 360 4332152 BOCA RATON FL 33431 HCO 7.250 6.500 $4,174.92 360 4332203 OAK PARK CA 91377 SFD 6.875 6.500 $2,627.72 360 4332263 EDGEWATER MD 21037 SFD 7.000 6.500 $3,691.10 360 4332270 LEESBURG VA 20176 SFD 7.125 6.500 $2,869.37 360 4332388 PALOS VERDES ESTATES CA 90274 SFD 7.375 6.500 $4,489.39 360 4332461 SAN DIEGO CA 92130 SFD 7.000 6.500 $2,993.87 360 4332534 NEWTON MA 02459 SFD 7.500 6.500 $2,971.67 360 4332543 QUINCY MA 02169 SFD 7.500 6.500 $2,622.06 360 4332583 SAN DIEGO CA 92109 SFD 7.375 6.500 $2,645.29 360 4332727 GAITHERSBURG MD 20879 SFD 7.250 6.500 $2,728.71 360 4332746 GLEN RIDGE NJ 07028 SFD 6.875 6.500 $2,793.27 360 4332889 LOS ANGELES CA 90046 SFD 7.625 6.500 $4,023.81 360 4332931 TULSA OK 74137 SFD 7.250 6.500 $4,434.15 360 4333063 POWHATAN VA 23139 SFD 7.000 6.500 $3,459.57 360 4333146 NEW HOPE PA 18938 SFD 6.875 6.500 $2,733.85 360 4333528 LITTLE SILVER NJ 07739 SFD 6.750 6.483 $2,711.15 360 4333737 GRESHAM OR 97080 PUD 6.875 6.500 $2,627.72 360 4333880 RED BANK NJ 07701 SFD 7.125 6.500 $2,258.98 360 4333947 AUSTIN TX 78731 SFD 7.375 6.500 $3,108.04 360 4334008 FULTON MD 20759 SFD 7.000 6.500 $3,452.92 360 4334135 CHULA VISTA CA 91913 SFD 7.500 6.500 $2,447.25 360 4334172 EMERALD ISLE NC 28594 SFD 8.000 6.500 $5,870.12 360 4334174 ZIONSVILLE IN 46077 SFD 6.875 6.500 $1,990.50 360 4334396 SAN MARCOS CA 92078 SFD 7.250 6.500 $2,217.08 360 4334457 PROSPECT KY 40059 SFD 6.875 6.500 $3,094.14 360 4334834 KEY LARGO FL 33037 SFD 7.125 6.500 $2,075.06 360 4334943 OAKTON VA 22124 SFD 7.000 6.500 $2,441.66 360 4334944 JACKSON HEIGHTS NY 11370 MF2 7.250 6.500 $2,854.91 360 4335013 HAYMARKET VA 20169 PUD 7.125 6.500 $2,123.22 360 4335157 LOMITA CA 90717 SFD 6.750 6.483 $2,114.43 360 4335214 MEDFIELD MA 02052 SFD 7.875 6.500 $2,407.96 360 4335292 WICHITA KS 67230 SFD 6.875 6.500 $2,167.87 360 4335379 ARCADIA CA 91006 SFD 7.250 6.500 $6,074.10 360 4335388 WESTFIELD NJ 07090 SFD 7.375 6.500 $2,224.15 360 4335863 PLEASANTON CA 94566 PUD 6.875 6.500 $3,350.34 360 4335950 MIAMI FL 33143 SFD 7.750 6.500 $2,321.18 360 4336018 WILTON CT 06897 SFD 6.875 6.500 $3,312.17 360 4336049 SUMMIT NJ 07901 SFD 6.875 6.500 $2,883.27 360 4336123 CHEVY CHASE MD 20815 SFD 7.125 6.500 $2,935.40 360 4336150 TOPANGA CA 90290 SFD 6.875 6.500 $2,759.11 360 4336436 PASADENA CA 91105 SFD 7.000 6.500 $2,794.28 360 4336573 PLEASANTON CA 94588 SFD 6.875 6.500 $2,956.18 360 4336711 SAN JOSE CA 95125 SFD 7.125 6.500 $3,705.46 360 4336728 BENNETT CO 80102 SFD 7.375 6.500 $2,690.18 360 4336867 MARSHFIELD MA 02050 SFD 7.125 6.500 $2,327.70 360 4337031 MINNEAPOLIS MN 55409 SFD 7.000 6.500 $2,188.85 360 4337211 KATY TX 77494 SFD 6.875 6.500 $2,023.34 360 4337266 SUDBURY MA 01776 SFD 7.125 6.500 $3,153.01 360 4337306 BOSTON MA 02111 HCO 7.375 6.500 $2,417.37 360 4337436 PALO ALTO CA 94301 SFD 7.000 6.500 $4,078.31 360 4337470 BEVERLY MA 01915 SFD 6.875 6.500 $2,542.32 360 4337483 EATONTOWN NJ 07724 SFD 7.500 6.500 $2,971.66 360 4337643 CUDJOE KEY FL 33042 SFD 6.750 6.483 $1,783.65 360 4337792 DANVILLE CA 94526 SFD 7.250 6.500 $2,694.60 360 4337829 FREMONT CA 94538 SFD 7.125 6.500 $2,122.22 360 4337852 HINSDALE IL 60521 SFD 6.875 6.500 $3,709.92 360 4337943 CHESTERFIELD MO 63005 SFD 6.750 6.483 $2,883.02 360 4337974 LA HABRA HEIGHTS CA 90631 SFD 6.875 6.500 $3,002.17 360 4337982 NORTHPORT NY 11768 SFD 6.875 6.500 $4,105.81 360 4337988 STOW MA 01175 SFD 6.875 6.500 $2,656.64 240 4338070 SUNNYVALE CA 94086 SFD 7.000 6.500 $2,987.21 360 4338222 ROLLING HILLS CA 90274 SFD 6.500 6.233 $3,918.83 360 4338229 SOUTH SAN FRANCISCO CA 94080 SFD 6.875 6.500 $2,450.35 360 4338289 CHARLESTOWN MA 02129 LCO 7.125 6.500 $3,873.89 360 4338496 WARRENTON VA 20187 SFD 6.875 6.500 $2,397.79 360 4338696 SAN RAMON CA 94583 SFD 7.375 6.500 $2,514.06 360 4338705 SANDS POINT NY 11050 SFD 7.000 6.500 $3,193.45 360 4338790 HUNTINGTON BEACH CA 92649 SFD 6.750 6.483 $2,270.10 360 4338793 LAKE FOREST CA 92630 SFD 6.750 6.483 $2,485.43 360 4338819 ROCKVILLE CENTER NY 11570 SFD 7.375 6.500 $2,486.43 360 4338832 NEW CITY NY 10956 SFD 7.250 6.500 $2,339.86 360 4338835 DAVIE FL 33330 SFD 6.750 6.483 $2,497.11 360 4338875 BROOKLINE MA 02445 SFD 7.125 6.500 $3,617.87 360 4338898 SAN ANTONIO TX 78258 SFD 7.000 6.500 $2,280.26 360 4338925 CUPERTINO CA 95014 SFD 6.875 6.500 $3,442.31 360 4338963 DEL MAR CA 92014 SFD 7.000 6.500 $3,299.91 360 4338964 HUNTINGTON BEACH CA 92648 SFD 6.750 6.483 $3,758.63 360 4339018 WASHINGTON DC 20016 SFD 6.750 6.483 $4,313.18 360 4339020 SAN FRANCISCO CA 94115 LCO 6.875 6.500 $4,434.27 360 4339047 GLEN RIDGE NJ 07028 SFD 6.625 6.358 $2,476.73 360 4339072 ANTIOCH CA 94509 SFD 7.250 6.500 $3,138.01 360 4339159 RIDGEFIELD CT 06877 SFD 6.375 6.108 $2,993.04 360 4339162 WILLIAMSBURG VA 23188 SFD 7.125 6.500 $2,492.76 360 4339165 SAINT HELENA CA 94574 SFD 6.875 6.500 $4,072.96 360 4339173 CROSSLAKE MN 56442 SFD 7.000 6.500 $2,035.83 360 4339184 MOUNT VERNON WA 98273 PUD 7.875 6.500 $2,190.43 360 4339374 ASHBURN VA 20147 SFD 7.000 6.500 $2,328.56 360 4339462 ENGELWOOD CO 80111 SFD 7.000 6.500 $2,501.54 360 4339464 ORANGE PARK FL 32003 SFD 7.250 6.500 $3,329.02 360 4339591 UPPERVILLE VA 20118 SFD 6.750 6.483 $2,554.09 360 4339632 NOVATO CA 94947 SFD 6.875 6.500 $3,310.93 360 4339766 MARATHON FL 33050 SFD 7.125 6.500 $3,745.87 360 4339810 DUBLIN CA 94568 LCO 6.750 6.483 $2,397.22 360 4339816 LIVERMORE CA 94550 SFD 6.875 6.500 $2,976.55 360 4339820 DANVILLE CA 94526 SFD 7.125 6.500 $3,122.69 360 4339897 YOUNTVILLE CA 94599 SFD 7.250 6.500 $2,653.67 360 4339911 TUCSON AZ 85750 SFD 7.000 6.500 $3,073.70 360 4340087 SIMI VALLEY CA 93063 SFD 6.875 6.500 $2,397.79 360 4340198 EAST WINDSOR TWP NJ 08521 SFD 6.625 6.358 $2,484.41 360 4340229 ASHBURN VA 20148 SFD 7.125 6.500 $2,485.35 360 4340252 LEXINGTON MA 02421 SFD 7.125 6.500 $2,526.45 360 4340273 ARLINGTON MA 02474 SFD 7.125 6.500 $2,863.31 360 4340283 COTO DE CAZA CA 92679 PUD 6.750 6.483 $3,243.00 360 4340294 LA PALMA CA 90623 SFD 7.250 6.500 $2,333.05 360 4340369 MIDDLETON MA 01949 SFD 7.000 6.500 $2,328.56 360 4340615 GREENWICH CT 06830 SFD 6.750 6.483 $3,528.38 360 4340669 OAK HILL VA 20171 SFD 7.250 6.500 $3,567.78 360 4340797 SAN RAMON CA 94583 SFD 6.875 6.500 $2,627.72 360 4340910 WOODBURY MN 55125 SFD 7.000 6.500 $3,725.69 360 4341044 SCOTTSDALE AZ 85259 SFD 6.875 6.500 $2,534.73 360 4341124 TRACY CA 95376 SFD 6.875 6.500 $1,983.27 360 4341329 CHARLOTTE NC 28277 SFD 6.750 6.483 $3,009.50 360 4341357 MELVILLE NY 11747 SFD 6.875 6.500 $2,102.18 360 4341510 DULUTH GA 30097 SFD 6.875 6.500 $2,864.21 360 4341704 SAN MATEO CA 94402 SFD 6.750 6.483 $2,788.98 360 4341725 REDWOOD CITY CA 94061 SFD 6.750 6.483 $2,399.82 360 4341739 SUWANEE GA 30024 SFD 7.125 6.500 $2,740.69 360 4341789 CLIFTON VA 20124 SFD 6.875 6.500 $4,025.66 360 4341812 SOUTH RIDING VA 20152 SFD 7.250 6.500 $2,724.61 360 4341823 WATERFORD VA 20197 SFD 7.000 6.500 $2,514.84 360 4341839 AURORA CO 80016 SFD 6.875 6.500 $2,364.95 360 4341847 LINCOLN NE 68516 SFD 7.500 6.500 $2,954.88 360 4341895 RENO NV 89511 SFD 6.625 6.358 $2,093.82 360 4341968 VIENNA VA 22180 SFD 6.875 6.500 $2,533.12 360 4342123 BALTIMORE MD 21210 SFD 7.125 6.500 $2,492.76 360 4342163 PACIFIC PALISADES CA 90272 LCO 7.750 6.500 $2,399.99 360 4342166 BENICIA CA 94510 SFD 7.000 6.500 $2,494.88 360 4342287 CALABASAS CA 91302 SFD 6.875 6.500 $3,186.11 360 4342352 LARKSPUR CA 94939 SFD 6.875 6.500 $3,120.42 360 4342360 SAN MATEO CA 94403 SFD 6.875 6.500 $2,154.73 360 4342386 TULSA OK 74105 SFD 7.125 6.500 $3,233.85 360 4342446 VALHALLA NY 10595 SFD 7.125 6.500 $2,822.88 360 4342583 REDWOOD CITY CA 94065 SFD 6.750 6.483 $3,619.18 360 4342604 DUBLIN CA 94568 SFD 7.000 6.500 $2,734.40 360 4342683 SHEPHERDSTOWN WV 25443 SFD 6.875 6.500 $2,075.90 360 4342707 LITTLETON CO 80127 SFD 6.875 6.500 $3,613.11 360 4342709 TUMWATER WA 98501 SFD 7.000 6.500 $1,004.61 360 4342757 SUDBURY MA 01776 SFD 7.000 6.500 $2,661.21 360 4342858 BURLINGAME CA 94010 SFD 7.125 6.500 $3,435.97 360 4342864 OAKTON VA 22124 SFD 6.875 6.500 $2,036.48 360 4342909 HILLSBOROUGH CA 94010 SFD 7.125 6.500 $3,496.60 360 4342954 NAPA CA 94558 SFD 7.125 6.500 $5,726.61 360 4343097 FAIRFAX VA 22033 SFD 6.750 6.483 $2,196.48 360 4343153 CARLSBAD CA 92009 SFD 7.125 6.500 $3,045.21 360 4343234 SAN RAFAEL CA 94901 SFD 7.125 6.500 $6,737.19 360 4343279 SAMMAMISH WA 98074 SFD 7.000 6.500 $2,228.76 360 4343339 CASTRO VALLEY CA 94552 SFD 6.750 6.483 $2,276.58 360 4343347 SNOHOMISH WA 98290 SFD 6.750 6.483 $2,594.39 360 4343685 ITASCA IL 60143 SFD 7.875 6.500 $2,392.73 360 4343693 HUNTINGTON BEACH CA 92648 SFD 7.000 6.500 $2,188.18 360 4343700 CHARLOTTE NC 28209 SFD 7.375 6.500 $2,541.68 360 4343776 DOWNERS GROVE IL 60515 SFD 6.750 6.483 $2,155.49 360 4343829 ORANGE CA 92869 SFD 7.000 6.500 $2,384.45 360 4344019 PALO ALTO CA 94303 SFD 7.000 6.500 $3,228.72 360 4344045 THE WOODLANDS TX 77382 SFD 6.750 6.483 $2,503.91 360 4344105 LOS GATOS CA 95033 SFD 7.000 6.500 $3,379.74 360 4344495 PLANO TX 75093 SFD 7.000 6.500 $4,324.47 360 4344507 WOODSIDE CA 94062 SFD 7.500 6.500 $2,949.99 360 4344620 HOUSTON TX 77055 SFD 6.875 6.500 $2,203.67 360 4344731 MONTVALE NJ 07645 SFD 7.000 6.500 $2,528.15 360 4344829 NEW BOSTON NH 03070 SFD 6.875 6.500 $2,429.13 360 4344871 LEESBURG VA 20176 SFD 6.750 6.483 $4,830.11 360 4344968 KENSINGTON MD 20895 SFD 7.000 6.500 $2,458.96 360 4344975 DANVILLE CA 94526 SFD 6.875 6.500 $2,824.80 360 4345147 ARLINGTON VA 22207 SFD 7.250 6.500 $2,636.61 360 4345173 SAN JOSE CA 95138 SFD 7.125 6.500 $2,081.80 360 4345188 PACIFIC GROVE CA 93950 SFD 7.250 6.500 $2,633.21 360 4345335 SAN JOSE CA 95120 SFD 6.875 6.500 $2,601.44 360 4345339 HALF MOON BAY CA 94019 SFD 6.500 6.233 $2,288.09 360 4345390 IRVINE CA 92602 SFD 6.875 6.500 $4,204.35 360 4345446 LIVERMORE CA 94550 SFD 7.000 6.500 $2,334.94 360 4345525 LA CRESCENTA CA 91214 SFD 7.250 6.500 $2,803.75 360 4345637 NORFOLK MA 02056 SFD 7.125 6.500 $2,122.22 360 4345774 UNIVERSITY PARK TX 75225 SFD 6.750 6.483 $2,075.51 360 4345801 WASHINGTON DC 20037 LCO 7.875 6.500 $5,659.17 360 4345982 FREMONT CA 94539 SFD 7.625 6.500 $2,923.19 360 4346188 SOUTH SAN FRANCISCO CA 94080 SFD 7.125 6.500 $3,132.80 360 4346196 NEW ROCHELLE NY 10804 SFD 7.000 6.500 $3,166.84 360 4346362 GAITHERSBURG MD 20882 PUD 6.375 6.108 $3,343.94 360 4346422 ALEXANDRIA VA 22304 PUD 7.000 6.500 $2,228.43 360 4346427 REDWOOD CITY CA 94061 SFD 7.125 6.500 $2,324.33 360 4346518 EMERALD ISLE NC 28594 SFD 6.875 6.500 $3,325.71 360 4346566 WEST WINDSOR TOWNSHIP NJ 08550 SFD 7.000 6.500 $2,049.13 360 4346696 SANIBEL FL 33957 SFD 7.500 6.500 $2,510.88 360 4346749 WOODLAND HILLS CA 91364 SFD 6.750 6.483 $4,151.03 360 4346856 REDONDO BEACH CA 90277 SFD 6.750 6.483 $2,529.54 360 4346923 HALF MOON BAY CA 94019 SFD 7.000 6.500 $1,829.59 360 4346927 PAGOSA SPRINGS CO 81147 SFD 6.750 6.483 $2,010.66 360 4347024 LAGUNA BEACH CA 92651 SFD 7.000 6.500 $2,288.64 360 4347261 ASHEVILLE NC 28803 SFD 7.000 6.500 $6,653.03 360 4347292 POUND RIDGE NY 10576 SFD 7.500 6.500 $4,544.90 360 4347486 PRIOR LAKE MN 55372 SFD 7.500 6.500 $2,691.98 360 4347575 EL PASO TX 79912 SFD 7.375 6.500 $3,867.78 360 4347577 IRVINE CA 92606 SFD 6.875 6.500 $3,090.20 360 4347608 HUNTINGTON BEACH CA 92649 SFD 6.875 6.500 $3,330.63 360 4347657 DANVILLE CA 94526 SFD 7.000 6.500 $2,395.09 360 4347759 RANCHO MIRAGE CA 92270 SFD 7.250 6.500 $2,333.04 360 4347821 LOVELAND CO 80538 SFD 7.000 6.500 $2,528.15 360 4347868 GRANBY CT 06060 SFD 6.750 6.483 $2,480.89 360 4347949 PALO ALTO CA 94306 SFD 7.125 6.500 $3,314.70 360 4347988 ALEXANDRIA VA 22305 SFD 6.875 6.500 $3,074.43 360 4348020 SUNNYVALE CA 94087 SFD 6.875 6.500 $2,824.80 360 4348103 RENO NV 89511 SFD 6.875 6.500 $2,082.46 360 4348356 CHAPEL HILL NC 27514 SFD 6.750 6.483 $3,243.00 360 4348414 BELTON MO 64012 SFD 6.875 6.500 $2,364.94 360 4348623 CLARKSVILLE MD 21029 SFD 6.875 6.500 $2,102.18 360 4348747 MOUNTAIN VIEW CA 94040 SFD 6.750 6.483 $3,891.59 360 4348778 BERKELEY CA 94708 SFD 6.875 6.500 $2,167.87 360 4348854 NEWPORT BEACH CA 92660 SFD 7.000 6.500 $2,676.52 360 4348927 SANTA BARBARA CA 93109 SFD 6.875 6.500 $3,253.12 360 4348931 SALINAS CA 93901 SFD 7.000 6.500 $2,162.24 360 4348943 CONCORD MA 01742 SFD 7.000 6.500 $2,448.32 360 4348961 LEESBURG VA 20175 SFD 6.750 6.483 $2,360.90 360 4349149 MILLBRAE CA 94030 SFD 7.000 6.500 $2,993.87 360 4349181 ELLICOTT CITY MD 21042 SFD 6.750 6.483 $2,853.83 360 4349246 VIRGINIA BEACH VA 23454 SFD 6.875 6.500 $2,956.18 360 4349283 AMHERST NH 03031 SFD 6.875 6.500 $3,281.36 360 4349404 WEST HARRISON NY 10604 SFD 7.000 6.500 $4,324.47 360 4349420 MONROE TOWNSHIP NJ 08520 SFD 6.875 6.500 $2,364.95 360 4349492 PENSACOLA FL 32507 SFD 6.750 6.483 $2,205.24 360 4349516 RICHMOND CA 94803 SFD 7.125 6.500 $2,155.56 360 4349568 MENLO PARK CA 94025 SFD 6.875 6.500 $2,824.80 360 4349638 OAKVILLE MO 63129 SFD 6.750 6.483 $2,574.60 240 4349805 CARLISLE MA 01741 SFD 7.125 6.500 $2,526.45 360 4349807 SAN JOSE CA 95124 SFD 7.000 6.500 $2,561.42 360 4349871 BEVERLY HILLS CA 90210 SFD 7.000 6.500 $3,326.52 360 4349884 PARADISE VALLEY AZ 85253 SFD 6.875 6.500 $2,933.19 360 4349909 MALIBU CA 90265 SFD 7.250 6.500 $4,668.82 360 4349945 BENICIA CA 94510 SFD 7.000 6.500 $2,142.27 360 4350155 MALVERNE NY 11565 SFD 7.125 6.500 $1,792.10 360 4350208 MINNETONKA MN 55391 SFD 6.750 6.483 $2,548.99 360 4350244 MEQUON WI 53092 SFD 7.375 6.500 $2,928.47 360 4350301 WOODBINE MD 21797 PUD 6.625 6.358 $1,972.16 360 4350343 SAN JOSE CA 95125 SFD 7.000 6.500 $3,197.28 360 4350467 MERRITT ISLAND FL 32952 SFD 6.875 6.500 $3,678.81 360 4350482 CARLSBAD CA 92009 SFD 6.750 6.483 $2,163.15 360 4350552 GILROY CA 95020 SFD 6.875 6.500 $3,343.77 360 4350561 CONCORD MA 01742 SFD 6.875 6.500 $3,284.65 360 4350564 FLANDERS NJ 07836 SFD 6.750 6.483 $2,840.86 360 4350580 FREMONT CA 94539 SFD 6.875 6.500 $6,569.29 360 4350599 NEW BERLIN WI 53151 SFD 7.250 6.500 $2,319.40 360 4350640 VIRGINIA BEACH VA 23454 SFD 7.000 6.500 $4,665.44 360 4350645 EASTHAM MA 02642 SFD 6.875 6.500 $3,908.73 360 4350672 BARRINGTON IL 60010 SFD 6.875 6.500 $2,496.33 360 4350772 CHAPEL HILL NC 27514 SFD 7.375 6.500 $2,636.31 360 4350839 POTOMAC MD 20854 SFD 6.750 6.483 $2,821.41 360 4350848 WALNUT CREEK CA 94596 SFD 7.000 6.500 $3,434.96 360 4351077 NORTH CALDWELL NJ 07006 SFD 6.750 6.483 $2,224.70 360 4351127 HERMOSA BEACH CA 90254 SFD 6.875 6.500 $2,430.64 360 4351181 GEORGETOWN MA 01833 SFD 7.125 6.500 $2,560.14 360 4351257 BROOKLYN NY 11201 COP 7.000 6.500 $2,494.89 360 4351475 STAFFORD VA 22554 SFD 7.000 6.500 $3,273.29 360 4351575 LIVINGSTON NJ 07039 SFD 7.000 6.500 $3,758.96 360 4351673 WASHINGTON DC 20008 SFD 6.875 6.500 $3,284.65 360 4351740 FRANKLIN MA 02038 SFD 6.875 6.500 $2,178.38 360 4351750 SAN DIEGO CA 92130 SFD 6.875 6.500 $3,904.89 360 4351775 WHITESTONE NY 11357 SFD 7.375 6.500 $2,486.44 360 4351792 SAN DIEGO CA 92130 SFD 6.875 6.500 $2,299.25 360 4352036 HO HO KUS NJ 07423 SFD 7.000 6.500 $2,262.03 360 4352040 ALAMO CA 94507 SFD 6.875 6.500 $4,040.12 360 4352089 SAN JOSE CA 95135 SFD 7.000 6.500 $2,208.80 360 4352133 ROSEMONT PA 19010 SFD 6.875 6.500 $3,100.70 360 4352195 GOLETA CA 93117 SFD 6.875 6.500 $2,601.44 360 4352292 CORTLANDT MANOR NY 10567 SFD 7.125 6.500 $2,526.44 360 4352352 NEEDHAM MA 02494 SFD 6.625 6.358 $3,777.84 360 4352392 LOS ANGELES CA 91403 SFD 6.875 6.500 $2,627.72 360 4352403 MILPITAS CA 95035 SFD 6.875 6.500 $2,200.72 360 4352474 ATLANTA GA 30342 SFD 7.250 6.500 $2,551.34 360 4352579 HOUSTON TX 77056 LCO 7.500 6.500 $3,635.92 360 4352609 FRANKLIN MI 48025 SFD 7.250 6.500 $2,947.01 360 4352664 OAK PARK IL 60302 SFD 7.125 6.500 $4,082.73 360 4352686 ASHLAND MA 01721 SFD 7.375 6.500 $2,569.32 360 4352804 SAN JOSE CA 95138 SFD 6.750 6.483 $3,204.08 360 4352859 NEWPORT BEACH CA 92660 SFD 6.875 6.500 $5,912.36 360 4352950 GREAT FALLS VA 22066 SFD 6.875 6.500 $3,370.05 360 4352966 WESTPORT CT 06880 SFD 7.000 6.500 $2,983.89 360 4353241 WOODBURY MN 55125 SFD 7.000 6.500 $2,987.21 360 4353339 YORBA LINDA CA 92886 SFD 7.250 6.500 $3,103.91 360 4353408 THOUSAND OAKS CA 91320 SFD 7.250 6.500 $2,387.62 360 4353557 OAK HILL VA 20171 SFD 6.875 6.500 $2,529.18 360 4353841 WOODSIDE CA 94062 SFD 6.750 6.483 $6,395.18 360 4353908 NEWTOWN PA 18940 SFD 6.875 6.500 $2,936.47 360 4353952 MONTPELIER VA 23192 SFD 6.750 6.483 $2,776.00 360 4354273 MIAMI FL 33137 SFD 6.875 6.500 $2,739.40 360 4354302 SAN BRUNO CA 94066 SFD 7.125 6.500 $2,694.88 360 4354453 ACTON MA 01720 SFD 7.250 6.500 $2,524.06 360 4354589 ISSAQUAH WA 98027 SFD 6.750 6.483 $2,004.17 360 4354689 ASHBURN VA 20147 SFD 7.000 6.500 $3,446.93 360 4354842 ORINDA CA 94563 SFD 7.000 6.500 $3,259.99 360 4355019 GROSSE POINTE FARMS MI 48230 SFD 7.500 6.500 $2,377.33 360 4355027 PLEASANTON CA 94566 SFD 6.750 6.483 $2,367.39 360 4355069 FREMONT CA 94536 SFD 6.875 6.500 $2,772.24 360 4355203 FORT WORTH TX 76126 SFD 7.125 6.500 $5,506.30 360 4355340 WHITE PLAINS NY 10605 SFD 6.750 6.483 $2,270.10 360 4355456 MARBLEHEAD MA 01945 SFD 6.875 6.500 $2,529.18 360 4355611 ATHENS GA 30606 SFD 6.875 6.500 $3,069.18 360 4355949 NAPA CA 94558 SFD 7.000 6.500 $2,840.85 360 4355984 PORTLAND OR 97212 SFD 6.875 6.500 $2,627.72 360 4356062 MONTE SERENO CA 95030 SFD 6.875 6.500 $4,460.55 360 4356123 REDWOOD CITY CA 94062 SFD 7.625 6.500 $4,777.61 360 4356255 KIRKLAND WA 98034 SFD 6.500 6.233 $2,472.65 360 4356261 TORRANCE CA 90505 SFD 7.125 6.500 $2,378.23 360 4356300 HUNTINGTON BEACH CA 92646 SFD 6.875 6.500 $2,049.62 360 4356427 FAIRFAX VA 22032 SFD 6.875 6.500 $2,253.27 360 4356542 ASHBURN VA 20147 SFD 7.250 6.500 $2,252.55 360 4356651 LONG VALLEY NJ 07853 SFD 6.875 6.500 $2,075.90 360 4356678 INDIAN WELLS CA 92210 SFD 6.875 6.500 $3,245.23 360 4356741 SARATOGA CA 95070 SFD 6.875 6.500 $4,270.04 360 4356745 BEDMINSTER NJ 07921 SFD 6.875 6.500 $3,567.13 360 4356797 WELLESLEY MA 02481 SFD 6.750 6.483 $2,741.63 360 4356844 LOS ANGELES CA 90046 SFD 7.125 6.500 $6,730.45 360 4356910 SANTA ANA CA 92705 SFD 6.750 6.483 $3,113.28 360 4356998 ARROYO GRANDE CA 93420 SFD 7.000 6.500 $2,727.74 360 4357007 WALNUT CREEK CA 94596 SFD 7.375 6.500 $2,500.24 360 4357020 SAN ANTONIO TX 78258 SFD 6.875 6.500 $2,364.94 360 4357078 RIVERVIEW FL 33569 SFD 7.250 6.500 $2,302.34 360 4357169 CHESTER CA 96020 SFD 7.000 6.500 $3,567.68 360 4357297 BELMONT MA 02478 SFD 7.125 6.500 $2,337.81 360 4357385 NEWTON MA 02461 SFD 7.000 6.500 $2,868.61 240 4357485 FT LAUDERDALE FL 33334 SFD 7.375 6.500 $2,237.79 360 4357501 PIEDMONT CA 94611 SFD 6.875 6.500 $5,912.36 360 4357649 NOVATO CA 94947 SFD 6.875 6.500 $3,462.02 360 4357669 MINNEAPOLIS MN 55406 SFD 7.000 6.500 $3,289.93 360 4357710 CENTREVILLE VA 20120 SFD 6.750 6.483 $2,659.26 360 4357814 MARATHON FL 33050 SFD 6.750 6.483 $2,432.24 360 4357854 ASHEVILLE NC 28804 SFD 6.875 6.500 $2,982.46 360 4357954 CALHOUN GA 30701 SFD 6.750 6.483 $2,270.10 360 4357964 WEST WINDSOR NJ 08550 SFD 6.125 5.858 $2,254.24 360 4358085 SAN JOSE CA 95120 SFD 7.000 6.500 $2,308.60 360 4358100 MILPITAS CA 95035 SFD 7.000 6.500 $2,128.97 360 4358122 PACIFICA CA 94044 SFD 6.875 6.500 $2,726.26 360 4358154 PRIOR LAKE MN 55372 SFD 7.000 6.500 $2,208.14 360 4358157 PLAINSBORO NJ 08536 SFD 7.500 6.500 $2,589.90 360 4358159 LONGMONT CO 80501 SFD 6.875 6.500 $2,956.18 360 4358160 DANVILLE CA 94526 SFD 6.750 6.483 $2,159.83 360 4358221 WEST ROXBURY MA 02132 SFD 7.000 6.500 $2,627.95 360 4358314 SUNNYVALE TX 75182 SFD 7.000 6.500 $3,253.33 360 4358353 MOUNTAIN VIEW CA 94043 SFD 7.000 6.500 $2,328.56 360 4358364 BELMONT CA 94002 SFD 7.125 6.500 $3,213.64 360 4358483 STUART FL 34997 SFD 6.750 6.483 $2,198.75 360 4358522 NORWELL MA 02061 SFD 6.875 6.500 $2,989.03 360 4358534 PLEASANTON CA 94588 SFD 7.000 6.500 $6,500.01 360 4358637 SAN FRANCISCO CA 94133 SFD 6.875 6.500 $5,255.44 360 4358692 MOUNT KISCO NY 10549 SFD 7.500 6.500 $4,544.89 360 4358783 SOUTHBURY CT 06488 SFD 7.125 6.500 $2,304.12 360 4358804 AUBREY TX 76227 SFD 6.750 6.483 $2,675.47 360 4358807 MOUNTAIN VIEW CA 94040 SFD 7.000 6.500 $2,568.07 360 4358824 DALY CITY CA 94014 SFD 7.125 6.500 $2,263.69 360 4358874 BIGFORK MT 59911 SFD 6.750 6.483 $2,334.95 360 4359277 FAR HILLS NJ 07931 SFD 6.875 6.500 $3,941.58 360 4359290 SAN LEANDRO CA 94579 SFD 6.750 6.483 $1,980.17 360 4359462 RICHMOND VA 23233 SFD 6.750 6.483 $2,270.10 360 4359483 GAINESVILLE GA 30506 SFD 6.750 6.483 $2,380.36 360 4359517 MAHWAH NJ 07430 SFD 6.875 6.500 $2,299.26 360 4359525 SEATTLE WA 98112 SFD 7.250 6.500 $3,410.89 360 4359529 WASHINGTON DC 20015 SFD 7.125 6.500 $3,351.75 360 4359542 ROCKVILLE MD 20850 SFD 7.125 6.500 $3,141.21 360 4359867 LENEXA KS 66219 SFD 7.000 6.500 $2,844.17 360 4359895 COCKEYSVILLE MD 21030 SFD 6.750 6.483 $5,889.27 360 4359938 SAN ANSELMO CA 94960 SFD 7.250 6.500 $4,093.06 360 4359952 CUPERTINO CA 95014 SFD 7.000 6.500 $5,355.69 360 4360003 SOUTH SAN FRANCISCO CA 94080 SFD 6.875 6.500 $2,233.56 360 4360076 GRANBY CT 06060 SFD 7.125 6.500 $2,243.49 360 4360189 THOUSAND OAKS CA 91362 SFD 6.875 6.500 $4,565.66 360 4360197 DARIEN CT 06820 SFD 6.375 6.108 $3,855.52 360 4360217 DETROIT MI 48208 SFD 6.750 6.483 $2,127.41 360 4360309 BIXBY OK 74008 SFD 7.125 6.500 $2,721.82 360 4360548 SAN JUAN CAPISTRANO CA 92675 SFD 7.125 6.500 $2,681.40 360 4360552 ALAMO CA 94507 SFD 7.125 6.500 $3,080.25 360 4360593 BILLINGS TOWNSHIP MI 48612 SFD 7.250 6.500 $ 518.46 360 4360637 DUNN LORING VA 22027 SFD 6.375 6.108 $3,306.51 360 4360689 CHARLOTTE NC 28277 SFD 6.875 6.500 $2,563.34 360 4360843 PLEASANTON CA 94566 SFD 6.875 6.500 $2,154.73 360 4360931 CAMPBELL CA 95008 SFD 7.375 6.500 $2,279.23 360 4360936 SANTA FE NM 87505 SFD 7.250 6.500 $2,387.62 360 4361207 SARASOTA FL 34234 LCO 6.750 6.483 $2,594.40 360 4361307 APTOS CA 95003 SFD 7.000 6.500 $3,426.31 360 4361332 DES PERES MO 63131 SFD 6.875 6.500 $2,562.02 360 4361392 MC LEAN VA 22101 SFD 6.750 6.483 $3,388.03 240 4361462 BELLE MEAD NJ 08502 SFD 6.750 6.483 $2,270.10 360 4361474 UNION CITY CA 94587 SFD 7.000 6.500 $2,528.15 360 4361506 FREEHOLD NJ 07728 SFD 7.250 6.500 $3,161.89 360 4361656 CHICAGO IL 60614 SFD 6.875 6.500 $2,414.88 360 4361751 SHORT HILLS NJ 07078 SFD 6.750 6.483 $3,632.15 360 4361951 FLUSHING NY 11357 MF2 7.000 6.500 $2,634.60 360 4362114 MASSILLON OH 44647 SFD 7.000 6.500 $3,526.11 360 4362165 GARDEN VALLEY ID 83622 SFD 7.000 6.500 $ 665.30 360 4362203 HERMOSA BEACH CA 90254 SFD 7.000 6.500 $3,459.58 360 4362225 RIDGEWOOD NJ 07450 SFD 6.875 6.500 $4,138.66 360 4362340 HOLLISTER CA 95023 SFD 6.750 6.483 $2,918.70 360 4362342 NASHUA NH 03062 LCO 6.875 6.500 $3,036.71 240 4362373 RESTON VA 20194 SFD 6.750 6.483 $2,477.65 360 4362423 BELMONT CA 94002 SFD 6.750 6.483 $4,215.89 360 4362528 LAGUNA BEACH CA 92651 SFD 6.875 6.500 $2,764.13 240 4362538 GREENWICH CT 06830 SFD 7.000 6.500 $4,723.65 360 4362541 SAN CLEMENTE CA 92672 SFD 7.000 6.500 $3,492.84 360 4362542 OGUNQUIT ME 03907 SFD 7.000 6.500 $3,326.52 360 4362548 FAIRVIEW TX 75069 SFD 6.875 6.500 $3,103.33 360 4362675 JACKSON TN 38305 SFD 6.875 6.500 $3,166.40 360 4362769 DESTIN FL 32541 LCO 6.875 6.500 $2,581.74 360 4362830 SAN ANTONIO TX 78209 SFD 6.875 6.500 $4,270.04 360 4362941 SAN JOSE CA 95136 SFD 7.000 6.500 $2,081.07 360 4362957 STAMFORD CT 06903 SFD 6.625 6.358 $3,252.78 360 4362960 IRVINE CA 92620 SFD 6.500 6.233 $2,054.23 360 4363147 ACTON MA 01720 SFD 6.750 6.483 $4,040.77 360 4363315 FRANKLIN MA 02038 SFD 7.000 6.500 $2,569.74 360 4363374 CANYON LAKE TX 78133 SFD 6.875 6.500 $2,299.26 360 4363409 DARIEN CT 06820 SFD 7.000 6.500 $3,126.93 360 4363433 COROLLA NC 27927 SFD 6.750 6.483 $6,485.99 360 4363512 WEST CHESTER PA 19382 SFD 6.875 6.500 $3,321.44 360 4363519 FREMONT CA 94555 SFD 7.000 6.500 $2,441.67 360 4363527 HUNTINGTON BEACH CA 92646 SFD 6.875 6.500 $2,175.63 360 4363634 PETALUMA CA 94954 SFD 6.875 6.500 $2,135.02 360 4363702 HAMILTON MA 01982 SFD 6.750 6.483 $2,918.69 360 4363770 PALO ALTO CA 94303 SFD 7.000 6.500 $2,993.87 360 4363815 GLEN CARBON IL 62026 SFD 6.875 6.500 $2,220.42 360 4363874 STEVENSON RANCH CA 91381 SFD 7.250 6.500 $2,186.37 360 4363880 SANTA YNEZ CA 93460 SFD 6.750 6.483 $2,964.66 240 4363905 WILTON CT 06897 SFD 7.000 6.500 $2,468.28 360 4363959 COSTA MESA CA 92627 SFD 7.375 6.500 $2,246.77 360 4363968 DAVIE FL 33328 SFD 6.875 6.500 $2,299.25 360 4364133 LONGMONT CO 80501 SFD 6.750 6.483 $2,694.59 360 4364138 CARLSBAD CA 92009 PUD 6.750 6.483 $4,215.89 360 4364211 SAN FRANCISCO CA 94117 SFD 6.875 6.500 $2,974.58 360 4364251 SAN JOSE CA 95120 SFD 6.875 6.500 $2,472.68 360 4364257 POTOMAC MD 20854 SFD 6.750 6.483 $4,215.89 360 4364265 LOS ANGELES CA 90045 SFD 6.875 6.500 $2,671.73 360 4364396 BELMONT CA 94002 SFD 6.750 6.483 $2,519.81 360 4364445 CARLSBAD CA 92009 SFD 6.750 6.483 $3,268.94 360 4364510 CALABASAS CA 91302 SFD 7.000 6.500 $1,829.59 360 4364547 NEW CANAAN CT 06840 SFD 6.875 6.500 $3,925.81 360 4364593 SUNNYVALE CA 94087 SFD 6.875 6.500 $3,021.88 360 4364618 SAN JOSE CA 95127 SFD 7.250 6.500 $2,741.56 360 4364621 DOUBLE OAK TX 75077 SFD 6.875 6.500 $2,249.32 360 4364787 DANVILLE CA 94526 SFD 6.750 6.483 $3,645.13 360 4364803 MC HENRY MD 21541 SFD 7.000 6.500 $2,328.56 360 4364860 WAYNE NJ 07470 SFD 6.875 6.500 $2,992.32 360 4364866 LORTON VA 22079 SFD 6.875 6.500 $2,315.67 360 4364871 LEESBURG VA 20175 SFD 6.875 6.500 $2,238.48 360 4365093 VIRGINIA BEACH VA 23451 SFD 6.750 6.483 $2,367.39 360 4365156 LOS ALTOS CA 94024 SFD 7.000 6.500 $3,792.23 360 4365228 ARLINGTON VA 22207 SFD 6.750 6.483 $2,769.52 360 4365271 SEDALIA CO 80135 SFD 6.750 6.483 $3,588.37 360 4365306 NAPLES FL 34109 SFD 6.875 6.500 $2,496.33 360 4365317 SOUTH ORANGE NJ 07079 SFD 6.750 6.483 $2,302.53 360 4365341 SEATTLE WA 98105 SFD 6.875 6.500 $2,417.50 360 4365371 WOODINVILLE WA 98072 SFD 7.125 6.500 $2,373.91 240 4365401 KIRKLAND WA 98033 SFD 6.750 6.483 $4,215.89 360 4365410 SANTA ANA CA 92705 SFD 6.875 6.500 $2,785.38 360 4365414 MORGAN HILL CA 95037 SFD 6.750 6.483 $3,411.63 360 4365473 SAN FRANCISCO CA 94118 SFD 7.000 6.500 $4,204.72 360 4365492 LOS ANGELES CA 90034 SFD 7.125 6.500 $3,510.08 360 4365513 RALEIGH NC 27604 SFD 6.875 6.500 $2,102.18 360 4365517 ENCINO CA 91436 SFD 6.875 6.500 $2,903.63 360 4365537 ANAHEIM CA 92808 SFD 6.750 6.483 $2,594.39 360 4365553 MILPITAS CA 95035 SFD 6.875 6.500 $2,167.87 360 4365584 SNOWMASS VILLAGE CO 81615 SFD 6.750 6.483 $3,243.00 360 4365710 OAKLAND CA 94603 SFD 6.875 6.500 $1,182.48 360 4365986 LADUE MO 63124 SFD 6.875 6.500 $2,198.08 360 4366028 FREDERICK MD 21703 SFD 7.750 6.500 $2,419.33 360 4366139 SCOTTS VALLEY CA 95066 SFD 7.250 6.500 $2,462.66 360 4366193 SOUTH NYACK NY 10960 SFD 7.125 6.500 $4,379.17 360 4366230 BETHESDA MD 20816 SFD 6.875 6.500 $2,529.18 360 4366301 HOLLISTER CA 95023 SFD 7.000 6.500 $2,115.66 360 4366452 IRVINE CA 92614 LCO 7.000 6.500 $2,528.15 360 4366775 LOS ANGELES CA 90077 SFD 6.875 6.500 $3,284.65 360 4366781 KINNELON NJ 07405 SFD 7.000 6.500 $2,661.21 360 4366782 BERWYN PA 19312 SFD 6.750 6.483 $2,497.11 360 4366891 CHADDS FORD PA 19317 SFD 6.750 6.483 $2,497.11 360 4366899 WATCHUNG NJ 07060 SFD 6.875 6.500 $6,368.93 360 4366939 NEWPORT BEACH CA 92625 SFD 6.875 6.500 $4,270.04 360 4366986 ALPHARETTA GA 30004 SFD 6.750 6.483 $2,445.21 360 4367018 SEVERNA PARK MD 21146 SFD 6.750 6.483 $2,594.40 360 4367222 HOCKESSIN DE 19707 SFD 6.875 6.500 $2,470.06 360 4367233 CUPERTINO CA 95014 SFD 6.875 6.500 $2,985.75 360 4367234 LAGUNA BEACH CA 92651 SFD 6.750 6.483 $5,707.67 360 4367247 ENCINITAS CA 92024 SFD 7.000 6.500 $3,971.86 360 4367270 FINDLAY OH 45840 SFD 6.750 6.483 $2,163.73 360 4367520 SANTA MONICA CA 90403 HCO 6.625 6.358 $2,561.25 360 4367523 ATLANTA GA 30324 SFD 7.250 6.500 $2,387.62 360 4367559 ARLINGTON VA 22207 SFD 6.625 6.358 $2,887.80 360 4367587 FAIRFAX STATION VA 22039 SFD 6.750 6.483 $2,429.00 360 4367588 LOS ANGELES CA 90049 SFD 7.125 6.500 $2,917.71 360 4367633 HOUSTON TX 77021 SFD 6.750 6.483 $2,309.01 360 4367644 CHURCHVILLE PA 18966 SFD 6.875 6.500 $2,791.95 360 4367708 CENTREVILLE VA 20120 SFD 7.000 6.500 $2,494.88 360 4367761 MUNDELEIN IL 60060 SFD 6.750 6.483 $2,652.77 360 4367768 SAN DIEGO CA 92130 SFD 7.000 6.500 $3,259.99 360 4367808 CINCINNATI OH 45247 SFD 7.000 6.500 $4,324.47 360 4367830 PLANO TX 75093 SFD 6.750 6.483 $2,756.54 360 4367857 CLAYTON CA 94517 SFD 6.875 6.500 $2,267.72 360 4367883 SAN DIEGO CA 92131 SFD 6.875 6.500 $2,312.39 360 4367909 SAN JOSE CA 95119 SFD 7.000 6.500 $2,202.16 360 4367939 MARIETTA GA 30064 SFD 6.875 6.500 $3,613.11 360 4368009 BENTONVILLE AR 72712 SFD 7.000 6.500 $2,049.13 360 4368017 SUMMIT NJ 07901 SFD 6.750 6.483 $5,902.25 360 4368085 SAINT PETERSBURG FL 33704 SFD 6.750 6.483 $583.74 360 4368113 POWAY CA 92064 SFD 6.750 6.483 $2,853.84 360 4368133 NEW CANAAN CT 06840 SFD 6.750 6.483 $5,188.79 360 4368137 KINGS BEACH CA 96143 SFD 6.875 6.500 $2,943.05 360 4368145 FRISCO TX 75034 SFD 6.625 6.358 $2,849.38 360 4368154 NORTHBORO MA 01532 SFD 6.875 6.500 $2,305.83 360 4368166 CHEVY CHASE MD 20815 SFD 6.750 6.483 $3,470.00 360 4368195 DANVILLE CA 94526 SFD 7.125 6.500 $2,829.62 360 4368201 MORGAN HILL CA 95037 SFD 6.750 6.483 $2,263.61 360 4368282 MOUNTAIN VIEW CA 94040 LCO 7.000 6.500 $2,411.73 360 4368293 BURLINGAME CA 94010 SFD 7.000 6.500 $2,395.09 360 4368300 LAGUNA BEACH CA 92651 SFD 7.125 6.500 $3,230.49 360 4368391 BROOKLINE MA 02467 SFD 6.875 6.500 $2,522.61 360 4368449 SAN FRANCISCO CA 94132 SFD 6.625 6.358 $3,201.56 360 4368523 BEDFORD MA 01730 SFD 7.125 6.500 $2,078.43 360 4368526 SHREWSBURY MA 01545 SFD 6.875 6.500 $2,345.24 360 4368536 NORTH POTOMAC MD 20878 SFD 6.750 6.483 $2,270.10 360 4368634 BURLINGAME CA 94010 SFD 7.250 6.500 $2,251.19 360 4368743 LAFAYETTE CA 94549 SFD 7.000 6.500 $2,381.79 360 4368754 FAIRFAX STATION VA 22039 SFD 6.750 6.483 $2,468.47 360 4368758 SARATOGA CA 95070 SFD 7.000 6.500 $2,328.56 360 4368859 CHESAPEAKE VA 23322 SFD 6.875 6.500 $2,379.66 360 4368994 COLUMBIA MO 65203 SFD 6.875 6.500 $2,611.29 360 4369110 VALLEY VILLAGE CA 91607 SFD 7.375 6.500 $2,503.01 360 4369144 PLEASANTON CA 94588 SFD 6.750 6.483 $4,066.72 360 4369228 SARATOGA CA 95070 SFD 6.750 6.483 $3,904.57 360 4369310 NEW VERNON NJ 07976 SFD 6.750 6.483 $3,080.84 360 4369320 LA WOODLAND HILLS AR CA 91367 SFD 6.750 6.483 $3,087.33 360 4369334 NORWALK CT 06850 SFD 6.750 6.483 $2,750.06 360 4369440 CARPINTERIA CA 93013 SFD 6.750 6.483 $2,386.85 360 4369544 MOUNTAIN VIEW CA 94043 SFD 6.875 6.500 $2,890.49 360 4369548 GLEN COVE NY 11542 SFD 6.750 6.483 $2,189.02 360 4369550 MEAD CO 80542 SFD 6.625 6.358 $2,662.42 360 4369553 SAN CARLOS CA 94070 SFD 6.875 6.500 $3,054.72 360 4369571 SAN JOSE CA 95133 SFD 7.500 6.500 $3,146.47 360 4369627 REDONDO BEACH CA 90278 SFD 6.875 6.500 $1,990.49 360 4369673 LIVERMORE CA 94550 SFD 6.875 6.500 $3,153.26 360 4369857 ASHBURN VA 20147 SFD 6.375 6.108 $1,902.81 360 4369883 RIDGEFIELD CT 06877 SFD 7.000 6.500 $2,494.89 360 4369943 ENCINITAS CA 92024 SFD 7.000 6.500 $2,275.34 360 4370039 SACRAMENTO CA 95819 SFD 7.000 6.500 $2,262.03 360 4370043 SARATOGA CA 95070 SFD 6.875 6.500 $2,049.62 360 4370055 SARATOGA CA 95070 SFD 6.875 6.500 $2,299.26 360 4370057 CARMEL CA 93923 SFD 7.000 6.500 $5,821.40 360 4370212 HILLSBOROUGH NJ 08844 SFD 7.000 6.500 $3,821.23 360 4370274 ARLINGTON VA 22207 SFD 6.875 6.500 $2,372.17 360 4370321 GOLDEN BEACH FL 33160 SFD 6.750 6.483 $3,859.16 360 4370399 CORTE MADERA CA 94925 SFD 7.000 6.500 $4,321.47 360 4370521 CHELMSFORD MA 01824 SFD 6.875 6.500 $2,465.78 360 4370760 SAN MARINO CA 91108 SFD 7.375 6.500 $3,269.66 360 4370773 MENLO PARK CA 94025 SFD 7.125 6.500 $5,389.75 360 4370799 BELL CANYON CA 91307 SFD 6.750 6.483 $3,379.20 360 4370800 GAITHERSBURG MD 20878 SFD 7.250 6.500 $2,264.83 360 4370971 FREMONT CA 94539 SFD 6.875 6.500 $3,718.22 360 4371005 DALLAS TX 75214 SFD 6.750 6.483 $2,953.72 360 4371017 SAN JOSE CA 95117 SFD 6.875 6.500 $2,148.16 360 4371027 MONTE SERENO CA 95030 SFD 7.125 6.500 $4,379.18 360 4371041 ALPHRETTA GA 30004 SFD 6.750 6.483 $2,529.53 360 4371047 CABLE WI 54821 SFD 7.000 6.500 $4,191.41 360 4371168 STAMFORD CT 06903 SFD 6.875 6.500 $3,455.45 360 4371205 LOS ANGELES CA 90064 SFD 6.875 6.500 $2,581.74 360 4371278 MANHATTAN BEACH CA 90266 SFD 6.875 6.500 $5,281.71 360 4371334 PALO ALTO CA 94303 SFD 6.750 6.483 $2,918.70 360 4371356 PALO ALTO CA 94303 SFD 6.750 6.483 $3,217.05 360 4371422 BROOKLYN NY 11235 SFD 7.375 6.500 $2,545.83 360 4371435 WOODMERE NY 11598 SFD 6.000 5.733 $2,098.43 360 4371458 MAHWAH NJ 07430 SFD 6.875 6.500 $2,010.21 360 4371484 KENNESAW GA 30144 SFD 6.875 6.500 $2,428.01 360 4371486 PARKLAND FL 33076 SFD 6.875 6.500 $2,023.35 360 4371528 ASHBURN VA 20147 PUD 7.625 6.500 $2,132.58 360 4371578 WOODLAND HILLS CA 91367 SFD 7.375 6.500 $2,610.76 360 4371580 SAN DIEGO CA 92130 SFD 6.875 6.500 $2,496.33 360 4371601 SAN JOSE CA 95120 SFD 7.125 6.500 $3,348.39 360 4371604 LIVERMORE CA 94550 SFD 7.125 6.500 $2,519.71 360 4371711 NEWTON HIGHLANDS MA 02461 SFD 6.750 6.483 $2,441.98 360 4371723 FRANKLIN TN 37069 SFD 6.875 6.500 $2,270.35 360 4371769 SAN JOSE CA 95121 SFD 7.125 6.500 $2,290.65 360 4371793 CLIFTON VA 20124 SFD 7.000 6.500 $2,561.42 360 4371813 DALLAS TX 75225 SFD 6.750 6.483 $3,835.81 360 4371888 PALO ALTO CA 94306 SFD 6.875 6.500 $3,087.57 360 4371946 FENTON MO 63026 SFD 6.875 6.500 $2,226.99 360 4371964 FREEHOLD NJ 07728 SFD 6.875 6.500 $2,233.56 360 4372005 STEVENSON RANCH CA 91381 SFD 7.000 6.500 $2,514.85 360 4372254 BERKELEY CA 94705 SFD 7.000 6.500 $4,001.00 360 4372303 LOXAHATCHEE FL 33470 SFD 6.750 6.483 $880.80 360 4372333 PENNGROVE CA 94951 SFD 6.875 6.500 $2,135.02 360 4372341 MCLEAN VA 22102 SFD 7.375 6.500 $4,720.77 360 4372503 LEXINGTON MA 02420 SFD 7.250 6.500 $4,086.24 360 4372538 KAYSVILLE UT 84037 SFD 6.750 6.483 $2,383.60 360 4372704 LAGUNA BEACH CA 92651 SFD 6.875 6.500 $2,121.89 360 4372917 LOS GATOS CA 95032 SFD 6.750 6.483 $4,183.46 360 4372935 NORTH POTOMAC MD 20878 SFD 7.125 6.500 $3,406.66 360 4372995 ATLANTA GA 30327 SFD 6.750 6.483 $2,659.25 360 4372998 MONTCLAIR NJ 07042 SFD 6.875 6.500 $3,514.57 360 4373093 ORANGE PARK FL 32003 SFD 6.750 6.483 $2,013.90 360 4373241 GREENWICH CT 06830 SFD 6.875 6.500 $6,306.52 360 4373243 MARSHFIELD MA 02050 SFD 7.000 6.500 $2,461.62 360 4373328 TOWN COUNTRY MO 63131 SFD 6.875 6.500 $3,021.87 360 4373423 FAIRVIEW PA 16415 SFD 6.750 6.483 $2,292.80 360 4373523 PORTOLA VALLEY CA 94028 SFD 7.000 6.500 $3,758.96 360 4373546 RIVIERA BEACH FL 33404 SFD 7.000 6.500 $3,778.92 360 4373679 POTOMAC MD 20854 SFD 6.500 6.233 $2,970.72 360 4373682 SUNNYVALE CA 94086 SFD 6.875 6.500 $2,824.80 360 4373690 DANVILLE CA 94506 SFD 6.625 6.358 $2,926.23 360 4373703 WARREN NJ 07059 SFD 6.875 6.500 $4,105.81 360 4373820 SAN JOSE CA 95129 PUD 7.000 6.500 $2,594.68 360 4373842 LAGUNA NIGUEL CA 92677 SFD 7.250 6.500 $2,240.95 360 4373891 CHESTERFIELD MO 63141 SFD 6.750 6.483 $3,891.59 360 4373895 ANDOVER MA 01810 SFD 6.625 6.358 $4,325.31 360 4373958 ARLINGTON VA 22209 HCO 7.250 6.500 $2,637.30 360 4374023 WESTBROOK CT 06498 SFD 6.750 6.483 $3,295.94 240 4374024 FREMONT CA 94536 SFD 7.375 6.500 $2,928.47 360 4374040 SUNNYVALE CA 94087 SFD 7.125 6.500 $2,593.82 360 4374067 SAN MATEO CA 94403 SFD 6.750 6.483 $2,004.17 360 4374072 WARRENTON VA 20186 SFD 6.875 6.500 $2,167.87 360 4374074 COTO DE CAZA CA 92679 SFD 6.750 6.483 $2,237.67 360 4374078 NEW FAIRFIELD CT 06812 SFD 7.000 6.500 $4,324.47 360 4374105 BEVERLY HILLS CA 90210 SFD 6.750 6.483 $2,529.54 360 4374156 MILL CREEK WA 98012 SFD 6.750 6.483 $3,046.47 360 4374163 KIRKLAND WA 98033 SFD 7.250 6.500 $3,274.45 360 4374234 WINSTON SALEM NC 27106 SFD 6.750 6.483 $2,107.95 360 4374239 NOVATO CA 94945 SFD 6.875 6.500 $3,284.64 360 4374395 WESTPORT CT 06880 SFD 6.750 6.483 $2,770.82 360 4374511 BELMONT CA 94002 SFD 6.875 6.500 $2,207.29 360 4374528 EUREKA MO 63025 SFD 7.000 6.500 $2,636.02 240 4374577 SOUTHAMPTON NY 11968 SFD 7.375 6.500 $2,302.02 360 4374647 HORSESHOE BAY TX 78657 SFD 6.750 6.483 $4,153.63 360 4374652 POTOMAC MD 20854 SFD 6.875 6.500 $4,253.61 360 4374667 CHEVY CHASE MD 20815 SFD 6.875 6.500 $4,270.04 360 4374751 PITTSTOWN NJ 08867 SFD 6.875 6.500 $3,218.50 360 4374774 MC LEAN VA 22102 SFD 6.625 6.358 $3,521.72 360 4374882 SAN CARLOS CA 94070 SFD 6.875 6.500 $2,726.26 360 4374884 WASHINGTON DC 20008 SFD 6.750 6.483 $2,724.12 360 4374905 CAMPBELL CA 95008 SFD 7.375 6.500 $2,268.87 360 4374973 ALAMO CA 94507 PUD 6.875 6.500 $4,926.97 360 4375042 MOUNTAIN VIEW CA 94040 SFD 6.875 6.500 $3,889.02 360 4375058 NORTH WALES PA 19454 SFD 6.875 6.500 $2,233.56 360 4375107 HATTIESBURG MS 39402 SFD 6.750 6.483 $2,432.25 360 4375401 MARTINEZ CA 94553 SFD 6.750 6.483 $2,771.32 360 4375414 CHANHASSEN MN 55331 SFD 6.625 6.358 $2,317.93 360 4375453 LARCHMONT NY 10528 SFD 6.500 6.233 $3,669.16 360 4375463 TUCSON AZ 85750 SFD 6.875 6.500 $2,923.34 360 4375546 WASHINGTON DC 20009 SFD 6.875 6.500 $4,559.09 360 4375561 ALPHARETTA GA 30004 SFD 6.750 6.483 $2,587.91 360 4375595 ERIE PA 16509 SFD 6.750 6.483 $2,471.19 240 4375652 TIBURON CA 94920 SFD 7.000 6.500 $2,528.15 360 4375776 WEST NEWTON MA 02465 SFD 7.000 6.500 $3,512.80 360 4375779 MIAMI BEACH FL 33140 SFD 6.875 6.500 $2,246.70 360 4375817 EDINA MN 55424 SFD 6.750 6.483 $2,373.87 360 4375843 PLANO TX 75093 SFD 7.000 6.500 $3,459.57 360 4375931 CORNELIUS NC 28031 SFD 6.625 6.358 $3,124.72 360 4375957 MINNETONKA MN 55305 SFD 6.875 6.500 $2,453.63 360 4375974 CUPERTINO CA 95014 SFD 7.625 6.500 $3,096.60 360 4376010 DAYTON MD 21036 SFD 7.000 6.500 $2,394.42 360 4376011 SAMMAMISH WA 98075 SFD 7.125 6.500 $2,443.58 360 4376017 ROSWELL GA 30076 SFD 7.000 6.500 $2,222.12 360 4376032 STAMFORD CT 06902 SFD 7.000 6.500 $2,494.89 360 4376040 LEESBURG VA 20176 SFD 7.000 6.500 $2,783.63 360 4376131 ARLINGTON VA 22204 SFD 6.875 6.500 $2,066.05 360 4376173 HAYMARKET VA 20169 SFD 6.750 6.483 $2,432.25 360 4376247 SAN JOSE CA 95132 SFD 7.000 6.500 $2,561.42 360 4376286 ALEXANDRIA VA 22304 PUD 6.750 6.483 $2,279.50 360 4376329 CASTRO VALLEY CA 94552 SFD 6.875 6.500 $2,516.04 360 4376363 UPPER MONTCLAIR NJ 07043 SFD 6.750 6.483 $3,275.43 360 4376392 ATLANTA GA 30331 SFD 6.750 6.483 $2,500.35 360 4376399 MIDDLETOWN OH 45044 SFD 6.750 6.483 $2,564.56 360 4376409 MOUNT KISCO NY 10549 SFD 6.750 6.483 $2,451.71 360 4376414 NORTHRIDGE CA 91326 SFD 7.000 6.500 $2,744.37 360 4376429 LOS GATOS CA 95032 SFD 6.875 6.500 $2,496.33 360 4376473 HERCULES CA 94547 SFD 7.125 6.500 $2,170.73 360 4376541 BLAINE COUNTY ID 83313 SFD 6.750 6.483 $5,837.38 360 4376578 BURLINGAME CA 94010 SFD 6.875 6.500 $4,204.35 360 4376592 SAN CARLOS CA 94070 SFD 6.875 6.500 $2,956.18 360 4376692 SUNNYVALE CA 94086 SFD 6.750 6.483 $2,769.52 360 4376804 DEERFIELD BEACH FL 33441 SFD 6.750 6.483 $2,776.00 360 4376907 LOS ALTOS CA 94024 SFD 7.125 6.500 $6,730.45 360 4376932 STAMFORD CT 06905 SFD 7.250 6.500 $2,287.00 360 4377002 HINGHAM MA 02043 SFD 6.875 6.500 $3,448.88 360 4377063 WEST WINDSOR NJ 08550 SFD 6.750 6.483 $2,756.55 360 4377145 BARTONVILLE TX 76226 SFD 6.750 6.483 $3,045.17 360 4377205 WESTPORT CT 06880 SFD 6.875 6.500 $2,200.72 360 4377258 SOUTH SAN FRANCISCO CA 94080 SFD 6.875 6.500 $3,074.43 360 4377346 POUND RIDGE NY 10576 SFD 6.875 6.500 $5,780.98 360 4377406 INDIAN SHORES FL 33785 LCO 6.875 6.500 $3,678.81 360 4377432 LOS ANGELES CA 90066 SFD 6.750 6.483 $2,529.54 360 4377535 STRATFORD CT 06614 SFD 6.500 6.233 $1,972.06 360 4377547 HOUSTON TX 77056 SFD 6.750 6.483 $2,386.85 360 4377574 SHOREWOOD MN 55331 SFD 6.875 6.500 $3,693.91 360 4377581 EASTON CT 06612 SFD 6.625 6.358 $3,009.47 360 4377652 NAPA CA 94558 SFD 7.000 6.500 $2,444.99 360 4377772 MENLO PARK CA 94025 SFD 6.750 6.483 $4,108.87 360 4377785 AGOURA HILLS CA 91301 SFD 7.125 6.500 $2,068.32 360 4377889 APTOS CA 95003 SFD 6.625 6.358 $3,361.64 360 4377980 VIENNA VA 22180 SFD 7.125 6.500 $2,762.25 360 4377985 LIVERMORE CA 94550 SFD 6.875 6.500 $2,266.40 360 4378090 FORT WORTH TX 76028 SFD 6.875 6.500 $2,627.72 360 4378195 GAITHERSBURG MD 20879 SFD 6.750 6.483 $2,056.06 360 4378205 LINO LAKES MN 55038 SFD 6.625 6.358 $2,535.64 360 4378260 BOISE ID 83702 SFD 6.750 6.483 $3,502.43 360 4378268 NEWPORT BEACH CA 92660 SFD 6.875 6.500 $3,869.32 360 4378310 ARLINGTON VA 22202 SFD 6.750 6.483 $2,545.10 360 4378682 WHITTIER CA 90601 SFD 7.750 6.500 $2,535.39 360 4378686 POWAY CA 92064 SFD 6.750 6.483 $2,270.10 360 4378704 BETHLEHEM PA 18015 SFD 6.875 6.500 $2,003.64 360 4378755 SAN DIEGO CA 92116 SFD 7.250 6.500 $2,455.84 360 4378758 LOS ALTOS CA 94024 SFD 6.750 6.483 $2,983.56 360 4378772 GAITHERSBURG MD 20882 SFD 6.875 6.500 $2,916.77 360 4378842 CONCORD MA 01742 SFD 6.875 6.500 $6,569.29 360 4378870 TUCSON AZ 85718 SFD 6.875 6.500 $2,364.94 360 4378882 CARLSBAD CA 92008 SFD 6.750 6.483 $2,107.94 360 4378910 PLAYA DEL REY CA 90293 SFD 6.750 6.483 $3,859.16 360 4378957 LONG BEACH CA 90807 SFD 6.875 6.500 $2,759.11 360 4379008 ALPHARETTA GA 30004 SFD 6.750 6.483 $2,347.93 360 4379069 NORTH MIAMI BEACH FL 33179 SFD 6.875 6.500 $3,138.48 360 4379083 DELRAY BEACH FL 33483 SFD 7.250 6.500 $3,642.82 360 4379118 LAFAYETTE CO 80026 SFD 7.125 6.500 $2,149.17 360 4379201 SAN FRANCISCO CA 94121 LCO 7.250 6.500 $2,380.80 360 4379238 DENVER NC 28037 SFD 6.750 6.483 $4,215.89 360 4379297 STUDIO CITY CA 91604 SFD 7.000 6.500 $4,324.47 360 4379309 DOVER MA 02030 SFD 6.875 6.500 $2,266.41 360 4379332 SAN DIEGO CA 92130 SFD 6.875 6.500 $2,713.12 360 4379355 LORTON VA 22079 SFD 6.750 6.483 $2,270.10 360 4379360 CHARLOTTE NC 28216 SFD 6.500 6.233 $2,869.59 360 4379474 FAIRFAX STATION VA 22039 SFD 7.000 6.500 $3,845.45 360 4379476 SIMI VALLEY CA 93063 SFD 7.125 6.500 $2,256.96 360 4379479 SANTA CLARITA CA 91351 SFD 6.875 6.500 $2,759.11 360 4379532 MIAMI FL 33138 SFD 6.750 6.483 $2,315.50 360 4379615 WOODMERE NY 11598 SFD 7.000 6.500 $2,328.56 360 4379636 HOLLY SPRINGS NC 27540 SFD 7.375 6.500 $2,175.63 360 4379845 BETHESDA MD 20816 SFD 6.875 6.500 $2,824.80 360 4379862 RODEO CA 94572 SFD 6.750 6.483 $2,168.92 360 4379874 SAN CARLOS CA 94070 SFD 6.875 6.500 $3,744.50 360 4379933 DANBURY CT 06810 SFD 6.750 6.483 $2,270.09 360 4380046 TRUMBULL CT 06611 SFD 6.750 6.483 $2,059.95 360 4380093 CAMPBELL CA 95008 SFD 7.000 6.500 $2,767.66 360 4380132 SAN JOSE CA 95120 SFD 6.875 6.500 $3,547.42 360 4380208 PALO ALTO CA 94303 SFD 7.000 6.500 $2,711.11 360 4380243 SANTA CRUZ CA 95060 SFD 6.750 6.483 $3,405.15 360 4380358 DUBLIN CA 94568 SFD 6.750 6.483 $2,853.83 360 4380394 BALLWIN MO 63021 SFD 6.875 6.500 $2,135.02 360 4380460 MANHATTAN BEACH CA 90266 SFD 7.250 6.500 $6,821.77 360 4380491 FREMONT CA 94536 SFD 6.750 6.483 $3,405.15 360 4380513 RIDGEFIELD CT 06877 SFD 6.750 6.483 $3,087.33 360 4380618 REDWOOD CITY CA 94065 SFD 6.875 6.500 $2,680.27 360 4380628 MOUNTAIN VIEW CA 94040 SFD 6.875 6.500 $2,608.01 360 4380716 LAFAYETTE CA 94549 SFD 7.125 6.500 $5,272.53 360 4380755 UNION CITY CA 94587 SFD 6.875 6.500 $1,983.93 360 4381275 LAKE ZURICH IL 60047 SFD 8.000 6.500 $2,697.69 360 4381345 SIMI VALLEY CA 93065 SFD 6.875 6.500 $2,207.29 360 4381358 COMMERCE GA 30529 SFD 6.625 6.358 $3,137.53 360 4381394 MENDHAM NJ 07945 SFD 6.750 6.483 $3,917.54 360 4381708 BONITA BEACH FL 34135 HCO 6.625 6.358 $2,612.47 360 4381720 SAN LUIS OBISPO CA 93401 SFD 6.875 6.500 $2,890.49 360 4381789 SAN FRANCISCO CA 94121 HCO 7.000 6.500 $2,291.97 360 4381835 CUPERTINO CA 95014 SFD 7.125 6.500 $5,261.75 360 4381838 IRVINE CA 92602 SFD 6.875 6.500 $3,993.28 360 4381872 PACIFIC PALISADES CA 90272 SFD 6.875 6.500 $2,578.45 360 4381915 CORAL GABLES FL 33143 SFD 6.875 6.500 $3,035.02 360 4381927 LOS ANGELES CA 90064 SFD 6.875 6.500 $2,430.64 360 4381931 REDWOOD CITY CA 94061 SFD 7.000 6.500 $2,252.05 360 4381994 NEWTOWN PA 18940 SFD 7.375 6.500 $5,352.73 360 4382023 UNION CITY CA 94587 SFD 7.000 6.500 $3,027.13 360 4382106 HO HO KUS NJ 07423 SFD 6.875 6.500 $2,299.26 360 4382134 SUNNYVALE CA 94087 SFD 6.875 6.500 $2,075.90 360 4382389 REDWOOD CITY CA 94061 SFD 6.875 6.500 $2,667.14 360 4382478 SAN RAMON CA 94583 SFD 6.875 6.500 $2,594.87 360 4382534 GROSSE POINTE PARK MI 48230 SFD 6.750 6.483 $4,215.89 360 4382539 GAITHERSBURG MD 20878 SFD 6.875 6.500 $2,345.24 360 4382609 FAIRFIELD CT 06430 SFD 6.625 6.358 $2,324.33 360 4382683 NOVATO CA 94945 SFD 6.625 6.358 $2,791.76 360 4382788 PALO ALTO CA 94306 SFD 7.000 6.500 $6,642.39 360 4382878 SAN RAFAEL CA 94901 SFD 7.375 6.500 $3,384.31 360 4382907 BOISE ID 83702 SFD 6.875 6.500 $2,329.14 360 4382910 CHICAGO IL 60646 SFD 6.875 6.500 $2,036.48 360 4382972 SAN JOSE CA 95129 SFD 6.875 6.500 $4,184.64 360 4383000 OAKLAND TOWNSHIP MI 48306 SFD 7.125 6.500 $2,324.33 360 4383018 CUPERTINO CA 95014 SFD 6.875 6.500 $4,026.98 360 4383056 CARLSBAD CA 92009 SFD 7.375 6.500 $2,403.55 360 4383110 SPOTSYLVANIA VA 22553 SFD 6.875 6.500 $2,069.33 360 4383625 DALLAS TX 75201 HCO 6.875 6.500 $2,226.99 360 4383655 OLYMPIA FIELDS IL 60461 SFD 6.875 6.500 $2,194.15 360 4383763 BELLEAIR BEACH FL 33786 SFD 6.875 6.500 $2,364.95 360 4383850 BOSTON MA 02118 LCO 6.750 6.483 $2,901.18 360 4383888 PLEASANTON CA 94566 SFD 6.875 6.500 $4,263.47 360 4383903 PARK HALL MD 20667 SFD 7.250 6.500 $3,356.31 360 4384019 REDWOOD CITY CA 94062 SFD 6.875 6.500 $2,454.29 360 4384075 SAN MATEO CA 94402 SFD 7.250 6.500 $3,088.22 360 4384102 HOUSTON TX 77024 SFD 6.750 6.483 $3,722.96 360 4384113 CORAL SPRINGS FL 33071 SFD 6.875 6.500 $2,673.71 360 4384177 MCDONOUGH GA 30253 SFD 6.750 6.483 $2,146.86 360 4384204 CARMICHAEL CA 95608 SFD 6.750 6.483 $2,879.78 360 4384327 DOBBS FERRY NY 10522 SFD 6.875 6.500 $2,233.56 360 4384339 MENLO PARK CA 94025 SFD 6.875 6.500 $3,654.50 360 4384406 FAIR HAVEN NJ 07704 SFD 6.875 6.500 $2,118.60 360 4384446 CALABASAS CA 91302 SFD 7.500 6.500 $3,670.88 360 4384488 CUPERTINO CA 95014 SFD 6.875 6.500 $3,205.82 360 4384667 SANTA ROSA CA 95404 SFD 7.000 6.500 $2,381.79 360 4384689 DULUTH GA 30097 SFD 6.750 6.483 $6,161.69 360 4384763 SMYRNA GA 30080 SFD 6.750 6.483 $2,146.86 360 4384792 WESTPORT CT 06880 SFD 6.750 6.483 $3,048.42 360 4384829 TUSTIN CA 92782 SFD 7.000 6.500 $2,761.01 360 4385012 ERIE PA 16511 SFD 6.750 6.483 $3,243.00 360 4385069 SANIBEL FL 33957 SFD 6.875 6.500 $2,923.34 360 4385080 MANASSAS VA 20112 SFD 6.875 6.500 $2,301.22 360 4385101 BALL GROUND GA 30107 SFD 6.875 6.500 $2,154.73 360 4385189 ANACORTES WA 98221 SFD 7.125 6.500 $3,469.65 360 4385199 WALNUT CREEK CA 94598 SFD 7.000 6.500 $2,230.10 360 4385250 NORTHPORT NY 11768 SFD 6.875 6.500 $2,049.62 360 4385262 WESTON FL 33327 SFD 6.750 6.483 $2,464.68 360 4385268 FREMONT CA 94539 SFD 7.000 6.500 $3,279.95 360 4385374 JONESBORO AR 72404 SFD 6.750 6.483 $4,151.03 360 4385421 SARATOGA CA 95070 SFD 6.750 6.483 $4,215.89 360 4385600 BELLAIRE TX 77401 SFD 6.625 6.358 $2,074.61 360 4385637 ATLANTA GA 30342 SFD 7.125 6.500 $2,560.14 360 4385862 SAN RAFAEL CA 94901 SFD 6.625 6.358 $3,969.93 360 4386007 NEWTOWN CT 06470 SFD 7.000 6.500 $2,162.24 360 4386011 YORBA LINDA CA 92886 SFD 7.375 6.500 $2,333.11 360 4386023 MORGAN HILL CA 95037 SFD 6.875 6.500 $2,525.90 360 4386026 WELLESLEY MA 02481 SFD 7.000 6.500 $5,475.44 360 4386105 ROCKVILLE MD 20852 SFD 6.875 6.500 $2,130.43 360 4386133 RIDGEWOOD NJ 07450 SFD 6.750 6.483 $2,646.29 360 4386168 HIGHLANDS RANCH CO 80129 SFD 6.750 6.483 $2,417.97 360 4386242 TENAFLY NJ 07670 SFD 6.875 6.500 $2,929.91 360 4386291 SADDLE RIVER NJ 07458 SFD 6.875 6.500 $2,417.50 360 4386329 CHARLOTTE MI 48813 SFD 7.000 6.500 $ 778.41 360 4386533 WESTFIELD NJ 07090 SFD 6.375 6.108 $3,194.22 360 4386648 LAS VEGAS NV 89135 SFD 6.875 6.500 $3,155.25 360 4386771 GREENWICH CT 06830 SFD 6.875 6.500 $2,601.44 360 4386778 SAN JOSE CA 95128 SFD 7.000 6.500 $2,973.91 360 4386922 LADERA RANCH CA 92694 SFD 7.000 6.500 $2,037.16 360 4386927 RANCHO SANTA MARGARITA CA 92688 SFD 6.875 6.500 $2,837.94 360 4387102 BELLAIRE TX 77401 SFD 6.750 6.483 $3,502.43 360 4387198 SAN FRANCISCO CA 94112 MF2 7.000 6.500 $3,067.05 360 4387266 MCKINNEY TX 75071 SFD 6.875 6.500 $2,154.73 360 4387332 HALF MOON BAY CA 94019 SFD 6.875 6.500 $2,294.33 360 4387430 BETHESDA MD 20817 SFD 7.250 6.500 $3,595.07 360 4387442 NAPERVILLE IL 60540 PUD 7.250 6.500 $3,069.79 360 4387626 SARATOGA CA 95070 SFD 7.000 6.500 $2,561.42 360 4387737 ADDISON TX 75240 SFD 6.875 6.500 $3,113.19 360 4387789 PARKER CO 80134 SFD 7.000 6.500 $1,999.90 360 4387812 SAN ANTONIO TX 78258 PUD 6.875 6.500 $2,328.48 360 4387980 DEL MAR CA 92014 SFD 7.000 6.500 $2,275.34 360 4388152 NORTH CALDWELL NJ 07006 SFD 6.750 6.483 $2,918.70 360 4388511 WOODSIDE CA 94062 SFD 7.000 6.500 $5,555.28 360 4388515 HIGHLAND PARK TX 75205 SFD 6.875 6.500 $5,273.82 360 4388555 PARKLAND FL 33076 SFD 6.875 6.500 $2,606.04 360 4388662 ENCINITAS CA 92024 SFD 7.750 6.500 $4,357.38 360 4388723 LONG BEACH CA 90803 PUD 7.125 6.500 $1,205.96 360 4388789 RIVERSIDE CT 06878 SFD 6.750 6.483 $4,073.20 360 4389148 CAREFREE AZ 85377 SFD 7.375 6.500 $3,367.05 360 4389281 ARLINGTON VA 22207 SFD 6.875 6.500 $2,181.00 360 4389401 WILTON CT 06897 SFD 7.125 6.500 $2,896.99 360 4389438 BOWIE MD 20715 SFD 6.750 6.483 $2,127.40 360 4389676 SAG HARBOR NY 11963 SFD 7.375 6.500 $1,450.42 360 4389784 NATICK MA 01760 SFD 7.125 6.500 $2,317.60 360 4389910 BURLINGAME CA 94010 SFD 7.125 6.500 $2,896.99 360 4389936 DANVILLE CA 94526 SFD 7.250 6.500 $2,360.33 360 4390029 FAIR OAKS CA 95628 PUD 7.250 6.500 $2,353.51 360 4390251 CHAPPAQUA NY 10514 LCO 6.875 6.500 $2,165.24 360 4390267 LOS ALTOS CA 94024 SFD 6.375 6.108 $3,793.13 360 4390287 SARATOGA CA 95070 SFD 7.125 6.500 $2,896.99 360 4390305 CARLSBAD CA 92008 SFD 7.625 6.500 $2,720.76 360 4390347 SOUTH RIDING VA 20152 SFD 6.750 6.483 $2,377.11 360 4390353 FLOURTOWN PA 19031 SFD 6.875 6.500 $3,153.26 360 4390580 EADS TN 38028 SFD 7.000 6.500 $2,661.22 360 4390823 SAN JOSE CA 95125 SFD 7.000 6.500 $3,858.76 360 4390948 SAN JOSE CA 95127 SFD 6.875 6.500 $2,069.33 360 4391072 REDONDO BEACH CA 90277 SFD 6.875 6.500 $2,877.35 360 4391410 MOORESVILLE NC 28117 SFD 6.750 6.483 $4,961.78 360 4391460 MENLO PARK CA 94025 SFD 7.125 6.500 $2,566.87 360 4391536 ASHLAND OR 97520 SFD 7.000 6.500 $3,526.11 360 4391704 MORGAN HILL CA 95037 SFD 7.000 6.500 $3,060.40 360 4391928 LAFAYETTE CA 94549 SFD 6.875 6.500 $4,270.04 360 4392016 MANALAPAN NJ 07726 SFD 7.000 6.500 $3,359.78 360 4392089 FREMONT CA 94539 SFD 6.875 6.500 $2,745.96 360 4392413 MORGAN HILL CA 95037 SFD 6.875 6.500 $2,627.72 360 4392585 DEL MAR CA 92014 SFD 6.750 6.483 $3,243.00 360 4392624 GLEN ROCK NJ 07452 SFD 7.250 6.500 $2,251.19 360 4392634 NEW PALESTINE IN 46163 SFD 7.125 6.500 $2,344.55 360 4392641 OLATHE KS 66061 SFD 7.000 6.500 $3,305.26 360 4392831 ALAMEDA CA 94502 SFD 7.000 6.500 $2,933.99 360 4392883 FAIRFAX VA 22030 SFD 6.875 6.500 $2,333.41 360 4392953 ORANGE CA 92869 SFD 7.000 6.500 $2,528.15 360 4393242 ORINDA CA 94563 SFD 6.875 6.500 $2,627.72 360 4393361 SAN JOSE CA 95120 SFD 6.875 6.500 $2,529.18 360 4393433 SAN LORENZO CA 94580 SFD 7.000 6.500 $2,095.71 360 4393472 WILTON CT 06897 SFD 6.875 6.500 $2,052.91 360 4393501 HUNTINGTON BEACH CA 92649 SFD 6.875 6.500 $2,044.37 360 4393541 REDONDO BEACH CA 90277 SFD 6.750 6.483 $2,918.70 360 4394856 DANVILLE CA 94506 PUD 7.000 6.500 $2,607.99 360 4394926 POWDER SPRINGS GA 30127 SFD 6.875 6.500 $2,404.36 360 4394972 LOS ANGELES CA 90064 SFD 6.750 6.483 $2,568.45 360 4395065 GLENDALE CA 91206 SFD 7.000 6.500 $2,561.42 360 4395190 AMAGANSETT NY 11930 SFD 7.500 6.500 $2,517.18 360 4395284 WASHINGTON DC 20007 SFD 7.750 6.500 $7,164.13 360 4395336 DANVILLE CA 94526 SFD 6.750 6.483 $2,691.68 360 4395350 CHESTER SPRINGS PA 19425 SFD 7.000 6.500 $2,341.86 360 4395408 THOUSAND OAKS CA 91361 SFD 7.000 6.500 $4,324.47 360 4395478 DALLAS TX 75225 SFD 7.125 6.500 $2,075.05 360 4395518 NEWPORT NEWS VA 23602 SFD 7.000 6.500 $3,651.19 360 4395574 SAN RAMON CA 94583 SFD 7.250 6.500 $2,837.86 360 4395659 SAN JOSE CA 95128 SFD 6.875 6.500 $3,120.41 360 4395671 SAN JOSE CA 95120 SFD 6.875 6.500 $2,266.41 360 4395941 BOWIE MD 20721 SFD 7.000 6.500 $3,273.29 360 4395951 GLENDALE CA 91214 SFD 7.500 6.500 $2,247.28 360 4395962 ARLINGTON VA 22204 SFD 6.875 6.500 $2,713.12 360 4395979 PURCELLVILLE VA 20132 SFD 6.875 6.500 $2,732.83 360 4396031 HILLSBOROUGH CA 94010 SFD 7.125 6.500 $6,737.19 360 4396068 PEMBROKE MA 02359 SFD 6.875 6.500 $2,496.33 360 4396154 SAN JOSE CA 95120 SFD 7.125 6.500 $2,189.59 360 4396523 ENCINITAS CA 92024 SFD 6.875 6.500 $3,652.53 360 4396524 FREMONT CA 94539 SFD 6.750 6.483 $2,639.79 360 4396598 LOS ANGELES CA 90046 SFD 7.000 6.500 $3,299.91 360 4396612 TUSTIN CA 92780 SFD 7.125 6.500 $2,075.06 360 4396673 VISTA CA 92083 SFD 6.875 6.500 $2,575.17 360 4396680 CASTRO VALLEY CA 94546 SFD 7.000 6.500 $2,544.79 360 4396690 PACIFIC PALISADES CA 90272 PUD 6.875 6.500 $3,350.34 360 4396704 BYRON CA 94514 SFD 6.625 6.358 $3,563.34 360 4397143 RICHARDSON TX 75082 SFD 7.375 6.500 $2,525.11 360 4397243 DANVILLE CA 94506 SFD 6.875 6.500 $3,284.64 360 4397304 FREMONT CA 94538 SFD 6.875 6.500 $2,167.87 360 4397321 SAN JOSE CA 95117 SFD 7.000 6.500 $2,062.44 360 4397333 HOUSTON TX 77024 SFD 6.750 6.483 $2,429.00 360 4397697 MABANK TX 75147 SFD 7.125 6.500 $3,672.44 360 4397715 CHULA VISTA CA 91910 SFD 6.875 6.500 $2,548.88 360 4398098 EDINBURG TX 78539 SFD 7.000 6.500 $3,087.00 360 4398221 MENLO PARK CA 94025 SFD 6.875 6.500 $2,949.62 360 4398286 TRACYS LANDING MD 20779 SFD 6.750 6.483 $2,333.40 360 4398297 SANTA ANA CA 92705 SFD 7.000 6.500 $4,963.16 360 4398554 BEVERLY HILLS CA 90211 LCO 7.375 6.500 $2,293.04 360 4398605 PROSPER TX 75078 SFD 6.750 6.483 $3,016.63 360 4398622 PARKLAND FL 33067 SFD 6.875 6.500 $2,391.23 360 4398741 WILLIAMSBURG VA 23185 SFD 6.875 6.500 $2,299.25 360 4398769 REDONDO BEACH CA 90277 SFD 6.875 6.500 $2,594.87 360 4398796 SANTA CLARA CA 95050 SFD 7.000 6.500 $3,027.13 360 4398819 CARLSBAD CA 92009 SFD 6.875 6.500 $3,324.06 360 4398825 BELMONT MA 02478 SFD 6.750 6.483 $2,270.10 360 4398890 CAMPBELL CA 95011 SFD 7.000 6.500 $2,328.56 360 4398931 SAN DIEGO CA 92119 SFD 7.375 6.500 $2,745.44 360 4399020 FREMONT CA 94555 SFD 6.875 6.500 $2,627.06 360 4399228 SCOTTSDALE AZ 85259 SFD 6.875 6.500 $3,105.65 360 4399449 MORGAN HILL CA 95037 SFD 6.875 6.500 $3,691.94 360 4399511 WAYLAND MA 01778 SFD 6.875 6.500 $2,719.69 360 4399682 ROCKVILLE MD 20852 SFD 6.875 6.500 $2,213.86 360 4399764 WOODBRIDGE VA 22191 SFD 6.875 6.500 $2,216.48 360 4400240 BURLINGAME CA 94010 SFD 6.875 6.500 $5,748.13 360 4400340 GILROY CA 95020 SFD 7.125 6.500 $2,073.71 360 4400520 SAN MARINO CA 91108 SFD 6.875 6.500 $4,270.04 360 4400525 WESTLAKE VILLAGE CA 91361 SFD 7.500 6.500 $3,307.99 360 4400777 FREMONT CA 94539 SFD 6.875 6.500 $2,378.09 360 4401026 HIGHLANDS RANCH CO 80129 SFD 6.875 6.500 $2,287.75 360 4401317 SAN JOSE CA 95132 SFD 7.000 6.500 $2,617.97 360 4401545 MISSION VIEJO CA 92692 SFD 6.875 6.500 $1,740.87 360 4401605 REDWOOD CITY CA 94061 SFD 6.875 6.500 $2,082.47 360 4401630 PALO ALTO CA 94301 SFD 6.875 6.500 $2,266.41 360 4401723 MENLO PARK CA 94025 SFD 7.000 6.500 $2,428.36 360 4401829 FALLS CHURCH VA 22043 SFD 6.750 6.483 $3,054.90 360 4401834 MOUNTAIN VIEW CA 94040 SFD 6.875 6.500 $4,598.51 360 4401858 WOODBRIDGE CT 06525 SFD 6.875 6.500 $2,112.02 360 4401970 OAK HILL VA 20171 SFD 6.875 6.500 $4,247.27 360 4402202 PENNINGTON NJ 08534 SFD 6.750 6.483 $2,695.57 360 4402205 FRANKLIN MA 02038 SFD 6.875 6.500 $2,361.66 360 4402542 SAINT ALBANS MO 63073 SFD 6.875 6.500 $2,791.95 360 4402655 WAYLAND MA 01778 SFD 6.875 6.500 $2,397.80 360 4402686 SAN DIEGO CA 92106 SFD 7.000 6.500 $2,874.11 360 4402739 MCKINNEY TX 75071 SFD 7.000 6.500 $2,110.01 360 4402780 JUPITER FL 33458 PUD 6.750 6.483 $2,516.57 360 4402901 RANCHO PALOS VERDES CA 90275 SFD 6.875 6.500 $3,399.61 360 4403123 NAPLES FL 34105 SFD 6.875 6.500 $3,284.65 360 4403167 SAN FRANCISCO CA 94112 SFD 7.125 6.500 $2,344.55 360 4403224 BLOOMINGTON MN 55435 SFD 7.125 6.500 $2,149.16 360 4403345 ENCINO CA 91436 SFD 6.875 6.500 $4,270.04 360 4403386 NORTHRIDGE CA 91326 SFD 7.125 6.500 $2,182.85 360 4403434 MORGAN HILL CA 95037 SFD 7.000 6.500 $2,727.75 360 4403497 UPLAND CA 91784 SFD 7.250 6.500 $1,868.49 360 4403582 GREAT FALLS VA 22066 SFD 6.625 6.358 $2,228.28 360 4403683 OAKTON VA 22124 SFD 6.875 6.500 $4,270.04 360 4403724 HOUSTON TX 77027 SFD 6.625 6.358 $2,115.91 360 4403959 WHITE GA 30184 SFD 6.750 6.483 $2,277.88 360 4404063 MELVILLE NY 11747 SFD 6.875 6.500 $2,018.09 360 4404210 FREMONT CA 94538 SFD 6.875 6.500 $2,207.28 360 4404261 DALY CITY CA 94015 SFD 7.000 6.500 $2,175.54 360 4404787 SUMMERFIELD NC 27358 SFD 6.875 6.500 $2,573.85 360 4404842 ASHBURN VA 20147 SFD 7.125 6.500 $2,052.48 360 4404910 ELLICOTT CITY MD 21043 SFD 7.000 6.500 $2,304.77 360 4404912 MOORESTOWN NJ 08057 SFD 6.750 6.483 $3,340.29 360 4405115 SAN JOSE CA 95120 SFD 6.625 6.358 $2,510.02 360 4405369 THOUSAND OAKS CA 91360 SFD 6.875 6.500 $2,007.58 360 4405376 SMITHTOWN NY 11787 SFD 7.125 6.500 $2,198.01 360 4405482 SARASOTA FL 34242 SFD 6.875 6.500 $1,313.86 360 4405735 MORGAN HILL CA 95037 SFD 6.875 6.500 $2,542.32 360 4405979 CHEVY CHASE MD 20815 SFD 6.750 6.483 $4,351.13 360 4406010 PETALUMA CA 94954 SFD 7.500 6.500 $2,412.29 360 4406050 SHORT HILLS NJ 07078 SFD 6.750 6.483 $2,561.97 360 4406148 PARKLAND FL 33067 SFD 6.750 6.483 $2,432.25 360 4406198 CORAL GABLES FL 33156 SFD 6.875 6.500 $3,225.52 360 4406343 CONCORD MA 01742 SFD 7.250 6.500 $2,635.93 360 4406534 INDEPENDENCE TOWNSHIP MI 48348 SFD 7.375 6.500 $3,056.24 360 4407535 LITTLE SILVER NJ 07739 SFD 6.875 6.500 $3,402.90 360 4407577 FRANKLIN MA 02038 SFD 6.875 6.500 $2,706.55 360 4407673 FAIRFAX VA 22033 PUD 7.000 6.500 $2,313.59 360 4407966 SAN JOSE CA 95132 SFD 6.750 6.483 $3,145.71 360 4408079 SAN JOSE CA 95132 SFD 6.875 6.500 $2,036.48 360 4408163 DALLAS TX 75254 SFD 7.000 6.500 $2,067.43 360 4408171 PLANO TX 75024 PUD 6.875 6.500 $2,205.31 360 4408215 ALTAMONTE SPRINGS FL 32701 SFD 6.875 6.500 $2,316.99 360 4408331 ELMHURST IL 60126 SFD 7.000 6.500 $2,488.23 360 4408350 AKRON OH 44333 SFD 7.250 6.500 $4,352.28 360 4408469 NAPLES FL 34109 SFD 6.875 6.500 $2,299.26 360 4408528 CUPERTINO CA 95014 SFD 7.000 6.500 $2,594.68 360 4408609 LOS ALTOS CA 94022 SFD 6.875 6.500 $3,941.58 360 4408658 CHESTERFIELD MO 63017 SFD 6.875 6.500 $3,478.20 240 4408687 LADUE MO 63124 SFD 7.000 6.500 $2,315.25 360 4408718 NYACK NY 10960 SFD 7.000 6.500 $2,494.88 360 4408761 CASTLE ROCK CO 80104 SFD 6.875 6.500 $3,599.97 360 4408776 WELLESLEY MA 02482 SFD 6.875 6.500 $2,233.56 360 4408817 NEWARK CA 94560 SFD 6.750 6.483 $2,912.21 360 4408911 SAN JOSE CA 95126 SFD 6.875 6.500 $4,270.04 360 4408929 ATLANTA GA 30350 SFD 6.875 6.500 $3,284.64 360 4409090 FRIENDSWOOD TX 77546 SFD 6.875 6.500 $2,049.62 360 4409145 CLARKSVILLE MD 21029 SFD 7.000 6.500 $2,794.28 360 4409268 NEWPORT BEACH CA 92660 SFD 7.000 6.500 $4,657.12 360 4409447 TRAVERSE CITY MI 49686 SFD 6.875 6.500 $3,724.79 360 4409472 BRENTWOOD TN 37027 SFD 7.000 6.500 $2,661.21 360 4409749 SANTA BARBARA CA 93109 SFD 6.875 6.500 $2,890.49 360 4410076 NORTH SMITHFIELD RI 02896 SFD 6.875 6.500 $2,463.49 360 4410307 WARRENTON VA 20187 SFD 6.250 5.983 $1,323.80 360 4410507 MAMMOTH LAKES CA 93546 SFD 6.875 6.500 $4,486.83 360 4410582 FAIRFIELD CT 06430 SFD 7.000 6.500 $3,539.41 360 4410945 SOUTHOLD NY 11971 SFD 6.750 6.483 $2,049.57 360 4411328 SANTA CA 93109 SFD 7.000 6.500 $5,729.92 360 4411580 BLUFFTON SC 29925 SFD 7.000 6.500 $4,490.80 360 4411622 PARKER CO 80138 SFD 7.125 6.500 $2,681.40 360 4411907 MIAMI BEACH FL 33139 HCO 6.875 6.500 $3,908.73 360 4412434 WILSON WY 83014 SFD 6.750 6.483 $6,485.99 360 4413269 TULSA OK 74114 SFD 6.875 6.500 $3,253.12 360 4414119 ROCKLEDGE FL 32955 SFD 6.250 5.983 $2,093.44 360 4414274 SOUTH ORANGE NJ 07079 SFD 7.750 6.500 $2,865.65 360 4414841 SAN JOSE CA 95125 SFD 7.000 6.500 $2,268.69 360 4414846 HOUSTON TX 77019 SFD 7.125 6.500 $4,008.63 360 4414907 MELBOURNE BEACH FL 32951 SFD 6.750 6.483 $ 940.47 360 4415064 NORTH WOODMERE NY 11581 SFD 7.375 6.500 $2,298.57 360 4415196 SANTA ANA CA 92705 SFD 6.875 6.500 $3,940.92 360 4415413 MORAGA CA 94556 SFD 6.875 6.500 $2,199.40 360 4415619 WESTFIELD NJ 07090 SFD 6.750 6.483 $2,270.10 360 4415756 SAN JOSE CA 95120 SFD 6.875 6.500 $2,036.48 360 4415825 SAN CARLOS CA 94070 SFD 6.875 6.500 $2,282.83 360 4415870 PROSPECT KY 40059 SFD 7.000 6.500 $3,326.51 360 4415953 SAN JOSE CA 95128 SFD 7.500 6.500 $2,590.59 360 4416115 NEW CITY NY 10956 SFD 7.250 6.500 $2,353.51 360 4416944 BOXBOROUGH MA 01719 SFD 6.750 6.483 $2,497.11 360 4416955 LADERA RANCH CA 92694 SFD 6.875 6.500 $2,575.17 360 4417182 COLUMBIA MD 21044 SFD 6.875 6.500 $2,135.02 360 4417505 CONCORD MA 01742 SFD 6.875 6.500 $2,764.13 240 4417630 ANOKA MN 55303 SFD 7.125 6.500 $2,381.59 360 4418095 GILROY CA 95020 SFD 7.125 6.500 $2,034.63 360 4418291 PLEASANTON CA 94566 SFD 6.875 6.500 $4,926.97 360 4418334 WOODSIDE CA 94062 SFD 6.875 6.500 $3,153.26 360 4418401 SARATOGA CA 95070 SFD 7.500 6.500 $3,006.63 360 4418455 GILROY CA 95020 SFD 7.500 6.500 $2,139.60 360 4418574 LEXINGTON MA 02420 SFD 7.000 6.500 $3,146.89 360 4418878 LOS ANGELES CA 90049 SFD 7.250 6.500 $4,045.31 360 4418963 LOS ANGELES CA 90066 SFD 7.250 6.500 $2,172.74 360 4419141 BETHESDA MD 20816 SFD 6.750 6.483 $3,015.99 360 4419158 BETHESDA MD 20817 SFD 7.375 6.500 $2,762.71 360 4419161 LEESBURG VA 20175 SFD 7.000 6.500 $2,148.26 360 4419257 HAYMARKET VA 20169 SFD 6.875 6.500 $2,347.54 360 4419406 RANCHO PALOS VERDES CA 90275 SFD 7.000 6.500 $4,321.14 360 4419420 CARLSBAD CA 92009 SFD 6.875 6.500 $2,571.88 360 4419443 BRIARCLIFF MANOR NY 10510 SFD 7.250 6.500 $2,967.47 360 4419462 NOVATO CA 94945 SFD 7.250 6.500 $3,410.88 360 4419880 MCKINNEY TX 75070 SFD 6.875 6.500 $4,125.51 360 4420847 PACIFICA CA 94044 SFD 6.875 6.500 $2,857.65 360 4421061 WHEATON IL 60187 SFD 7.000 6.500 $2,591.36 360 4422049 LOS ALTOS CA 94022 SFD 7.500 6.500 $4,214.17 360 4423227 CARLSBAD CA 92009 SFD 6.750 6.483 $2,225.99 360 4423612 SAN CARLOS CA 94070 SFD 6.875 6.500 $3,613.11 360 4424747 SAN JOSE CA 95124 SFD 6.875 6.500 $3,087.57 360 4424939 LAFAYETTE CA 94549 SFD 7.125 6.500 $2,748.78 360 4425271 PORTLAND OR 97209 SFD 7.125 6.500 $4,379.17 360 4425291 ELCAJON CA 92020 SFD 7.125 6.500 $2,795.93 360 4425314 SPRINGFIELD OR 97478 SFD 7.125 6.500 $3,031.73 360 4425336 BOULDER CO 80302 SFD 6.875 6.500 $5,754.70 360 4425675 FAIRFIELD CT 06430 SFD 6.500 6.233 $6,162.67 360 4426156 LEWES DE 19958 SFD 6.625 6.358 $2,170.66 360 4426435 DRESHER PA 19025 SFD 7.875 6.500 $2,257.14 360 4426782 SAN JOSE CA 95129 SFD 6.875 6.500 $3,081.00 360 4427054 BURLINGAME CA 94010 SFD 6.875 6.500 $3,711.65 360 4427130 YORBA LINDA CA 92886 SFD 6.875 6.500 $2,693.41 360 4427161 MOUNTAIN VIEW CA 94040 SFD 6.875 6.500 $2,732.83 360 4427525 SAN FRANCISCO CA 94127 SFD 6.625 6.358 $3,630.56 360 4427765 SAN FRANCISCO CA 94131 SFD 6.875 6.500 $2,062.76 360 4428912 MATTITUCK NY 11952 SFD 7.375 6.500 $2,148.00 360 4429269 DUBLIN OH 43016 SFD 7.250 6.500 $2,328.95 360 4429602 NEEDHAM JUNCTION MA 02192 SFD 6.750 6.483 $2,594.40 360 4429661 LIVERMORE CA 94550 SFD 7.000 6.500 $2,794.27 360 4431079 MANHASSET NY 11030 SFD 6.625 6.358 $2,561.25 360 4431879 CUPERTINO CA 95014 SFD 6.875 6.500 $2,036.48 360 4432561 RANCHO SANTA MARGARI CA 92688 SFD 7.000 6.500 $2,029.18 360 4432773 ORINDA CA 94563 SFD 7.000 6.500 $2,761.01 360 4433398 YORBA LINDA CA 92886 SFD 7.250 6.500 $4,072.60 360 4433465 STAMFORD CT 06903 SFD 6.750 6.483 $2,848.65 360 4433593 LOS ANGELES CA 90210 SFD 7.125 6.500 $4,716.03 360 4434453 SAN RAMON CA 94583 SFD 7.000 6.500 $3,106.97 360 4436001 CALIFON NJ 07830 SFD 6.875 6.500 $2,259.84 360 4436278 LEXINGTON MA 02420 SFD 6.750 6.483 $4,540.19 360 4439819 GAMBRILLS MD 21054 SFD 6.875 6.500 $2,602.10 360 4440305 MARIETTA GA 30062 SFD 6.750 6.483 $2,146.86 360 4441008 MAPLE VALLEY WA 98038 SFD 7.250 6.500 $2,176.14 360 4441697 LINO LAKES MN 55038 SFD 7.125 6.500 $2,223.28 360 4442947 LEESBURG VA 20175 SFD 6.875 6.500 $2,319.29 360 4443007 ASHBURN VA 20147 PUD 6.875 6.500 $2,397.79 360 4446052 GRANITE BAY CA 95746 SFD 7.250 6.500 $2,264.83 360 4446260 LEXINGTON SC 29072 SFD 7.375 6.500 $2,332.76 360 4591459 MINNETONKA MN 55345 SFD 6.750 6.483 $4,151.03 360 4599296 LOVELAND CO 80537 SFD 7.375 6.500 $3,556.98 360 4600516 SANTA CRUZ CA 95065 SFD 7.250 6.500 $2,839.56 360 4608709 BIRMINGHAM AL 35242 SFD 7.125 6.500 $2,261.00 360 4611943 APEX NC 27502 SFD 6.750 6.483 $2,091.73 360 4612834 POWAY CA 92064 SFD 6.875 6.500 $3,816.76 360 4613634 NORFOLK NE 68701 SFD 7.250 6.500 $2,285.29 360 4614089 CHICAGO IL 60614 LCO 7.000 6.500 $2,441.66 360 4619300 LOMPOC CA 93436 SFD 7.000 6.500 $2,128.97 360 4620837 MAMMOTH LAKES CA 93546 SFD 7.125 6.500 $2,604.76 360 4622502 TOWN & COUNTRY MO 63131 SFD 7.000 6.500 $6,253.84 360 4646543 BLOOMINGTON MN 55438 SFD 6.750 6.483 $2,711.15 360 4661732 COLUMBUS TOWNSHIP MN 55025 SFD 6.875 6.500 $2,722.97 360 4667663 WESTFIELD NJ 07090 SFD 6.875 6.500 $3,116.76 300 4674594 FRESNO CA 93704 SFD 7.000 6.500 $2,128.97 360 4685400 EFLAND NC 27231 SFD 6.875 6.500 $2,220.42 360 4730160 KENT WA 98042 SFD 6.875 6.500 $2,513.41 360 4840104 NORTHBROOK IL 60062 SFD 6.875 6.500 $2,929.91 360 4879508 POTOMAC MD 20854 SFD 6.875 6.500 $4,270.00 360 4882098 SNELLVILLE GA 30078 SFD 6.875 6.500 $2,020.06 360 4945200 NAGS HEAD NC 27959 SFD 7.125 6.500 $2,599.88 360 5075916 MINNETONKA MN 55305 SFD 6.750 6.483 $2,808.43 360 5849560 FORT WALTON BEACH FL 32547 SFD 7.000 6.500 $2,148.93 360 5918837 CLARKSVILLE MD 21029 SFD 6.750 6.483 $2,286.96 360 5929411 YORBA LINDA CA 92887 SFD 6.875 6.500 $2,443.78 360 5950086 PLEASANTON CA 94566 SFD 6.625 6.358 $2,641.29 360 5955629 ALPHARETTA GA 30005 SFD 7.000 6.500 $3,991.82 360 5963136 SOUTH WINDSOR CT 06074 SFD 7.125 6.500 $2,256.96 360 5967721 WHITEFISH MT 59937 SFD 7.125 6.500 $5,551.45 360 5993330 BOISE ID 83702 SFD 6.750 6.483 $5,448.23 360 5994505 SCARSDALE NY 10583 SFD 6.750 6.483 $3,372.72 360 5994832 PIEDMONT CA 94611 SFD 7.125 6.500 $5,167.43 360 5997434 CLARKSVILLE MD 21029 SFD 7.000 6.500 $3,168.16 360 5998472 ROSEVILLE CA 95678 SFD 7.125 6.500 $2,891.54 360 6007126 WASHINGTON DC 20008 SFD 6.875 6.500 $3,237.35 360 6017534 OTTSVILLE PA 18942 SFD 7.625 6.500 $2,689.62 360 6018893 SPRINGFIELD VA 22152 SFD 7.375 6.500 $2,841.78 360 6019041 PORTOLA VALLEY CA 94028 SFD 6.875 6.500 $3,868.00 360 6019898 BAYSIDE NY 11364 COP 8.000 6.500 $ 349.28 360 6020919 ARLINGTON VA 22205 SFD 6.875 6.500 $2,259.84 360 6021142 COLLEYVILLE TX 76034 SFD 7.500 6.500 $3,444.68 360 6029218 THOUSAND OAKS CA 91362 SFD 7.000 6.500 $3,532.43 360 6033241 BROOKLYN NY 11223 SFD 7.750 6.500 $2,905.05 360 6033983 LANIKAI HI 96734 SFD 7.500 6.500 $4,644.89 360 6039672 PEARL RIVER NY 10965 SFD 7.000 6.500 $2,461.62 360 6039738 CLEMENTS CA 95227 SFD 6.875 6.500 $3,624.09 240 6086734 WOODBURY MN 55125 SFD 6.875 6.500 $2,520.97 360 6100370 INVER GROVE HEIGHTS MN 55077 SFD 6.875 6.500 $2,706.55 360 6115100 SHOREWOOD MN 55331 SFD 6.875 6.500 $4,631.35 360 6156349 COTO DE CAZA CA 92679 SFD 7.375 6.500 $6,734.08 360 6157406 CHEVY CHASE MD 20815 SFD 6.875 6.500 $2,575.16 360 6219931 EDEN PRAIRIE MN 55347 SFD 7.250 6.500 $5,449.23 360 6224899 BLOOMINGDALE IL 60180 SFD 6.875 6.500 $2,246.70 360 6238684 ADDISON TX 75001 SFD 6.875 6.500 $3,994.13 360 7888528 HUNTINGTON NY 11743 SFD 7.375 6.500 $3,798.71 360 8339951 ROXBORO NC 27573 SFD 7.125 6.500 $3,604.39 360 8353624 BETHESDA MD 20817 SFD 8.250 6.500 $2,055.47 360 8359389 CHURCHVILLE PA 18966 SFD 7.250 6.500 $2,305.76 360 8380811 SAN DIEGO CA 92130 SFD 7.250 6.500 $3,274.45 360 8425533 OWINGS MILLS MD 21117 SFD 6.750 6.483 $2,043.08 360 8502237 ASHBURN VA 20147 SFD 7.000 6.500 $2,561.41 360 8530694 OCEAN CITY NJ 08226 LCO 7.125 6.500 $3,604.39 360 8534930 CONCORD OH 44077 SFD 7.375 6.500 $2,242.62 360 8552474 BROOMFIELD CO 80020 SFD 7.125 6.500 $2,973.04 360 8568822 ALEXANDRIA VA 22304 PUD 7.375 6.500 $2,211.89 360 8580421 GRANT MN 55082 SFD 6.750 6.483 $4,864.49 360 8600530 LADERA RANCH CA 92694 SFD 7.000 6.500 $2,223.75 360 8610591 LEAWOOD KS 66224 SFD 7.500 6.500 $2,227.00 360 8617148 MARION IA 52302 SFD 7.000 6.500 $4,257.94 360 8627252 LADERA RANCH CA 92694 SFD 7.000 6.500 $2,585.11 360 8639004 CASTRO VALLEY CA 94552 SFD 7.000 6.500 $2,661.21 360 8639072 WASHINGTON DC 20008 SFD 7.000 6.500 $3,845.45 360 8649878 SOUTHLAKE TX 76092 SFD 7.125 6.500 $2,506.23 360 8666663 CARLSBAD CA 92009 SFD 7.375 6.500 $2,235.09 360 8679213 PORTLAND OR 97202 SFD 7.375 6.500 $2,417.36 360 8686242 AUSTIN TX 78703 SFD 7.500 6.500 $4,178.86 360 8696516 SEATTLE WA 98115 SFD 7.250 6.500 $2,984.52 360 8700043 KENNETT SQUARE PA 19348 SFD 7.500 6.500 $2,566.12 360 8700739 WILMETTE IL 60091 SFD 7.625 6.500 $2,923.90 360 8703031 CLARKSVILLE MD 21029 SFD 7.625 6.500 $3,142.60 360 8703265 PHOENIX AZ 85048 SFD 7.500 6.500 $2,237.49 360 8704588 NIWOT CO 80503 SFD 7.875 6.500 $3,335.32 360 8704875 SEATTLE WA 98115 SFD 7.375 6.500 $3,038.97 360 8705986 MORRIS TOWNSHIP NJ 07960 SFD 7.000 6.500 $4,324.47 360 8710680 SAN DIEGO CA 92109 SFD 7.625 6.500 $2,831.17 360 8714960 SENECA SC 29678 SFD 7.375 6.500 $2,880.12 360 8715595 FOREST LAKE MN 55025 SFD 7.375 6.500 $2,884.26 360 8719843 PLACERVILLE CA 95667 SFD 7.500 6.500 $3,146.47 360 8722104 VIENNA VA 22182 SFD 7.500 6.500 $2,388.52 360 8723220 BISMARCK ND 58504 SFD 7.000 6.500 $2,134.29 360 8723783 CHICAGO IL 60605 LCO 7.500 6.500 $2,737.86 360 8724970 HOUSTON TX 77024 SFD 7.250 6.500 $3,230.79 360 8727280 BALA CYNWYD PA 19004 SFD 7.250 6.500 $2,674.13 360 8728681 KNOWLTON TWP NJ 07832 SFD 7.250 6.500 $3,189.17 360 8729411 LADERA RANCH CA 92694 SFD 7.125 6.500 $2,709.83 360 8729430 ARLINGTON VA 22205 SFD 7.375 6.500 $2,403.55 360 8730658 BASALT CO 81621 SFD 7.375 6.500 $2,707.45 360 8731082 ATLANTA GA 30327 SFD 7.375 6.500 $4,610.26 360 8732358 SANTA CRUZ CA 95060 SFD 7.500 6.500 $2,691.98 360 8732727 COLORADO SPRINGS CO 80919 SFD 7.125 6.500 $3,652.32 360 8738076 ENCINITAS CA 92024 SFD 7.750 6.500 $3,863.04 360 8739613 OAKLAND CA 94618 SFD 7.125 6.500 $4,187.16 360 8742838 SANTA BARBARA CA 93108 SFD 7.250 6.500 $6,480.67 360 8743036 ALEXANDRIA VA 22301 SFD 7.375 6.500 $3,481.00 360 8744011 VICTORIA MN 55331 SFD 7.375 6.500 $3,000.98 360 8746024 WASHINGTON DC 20008 SFD 7.000 6.500 $2,980.56 360 8748377 PERKASIE PA 18944 SFD 6.875 6.500 $2,259.84 360 8751377 DALLAS TX 75230 SFD 7.250 6.500 $3,066.93 360 8752670 FOUNTAIN VALLEY CA 92708 SFD 7.500 6.500 $2,349.36 360 8753854 RANCHO SANTA MARG CA 92688 SFD 7.625 6.500 $2,814.19 360 8754658 HILLSBOROUGH NJ 08844 SFD 7.375 6.500 $3,088.70 360 8755072 AVON MA 02322 SFD 7.500 6.500 $2,167.56 360 8755495 CAMARILLO CA 93012 SFD 7.250 6.500 $2,105.13 360 8756000 MASPETH NY 11378 MF2 7.500 6.500 $2,880.76 360 8758183 SAN FRANCISCO CA 94110 SFD 7.125 6.500 $2,108.74 360 8759969 FORT LAUDERDALE FL 33301 SFD 7.625 6.500 $2,887.80 360 8761128 AVALON NJ 08202 SFD 7.125 6.500 $6,737.19 360 8763736 MARIETTA GA 30062 SFD 7.125 6.500 $2,532.64 360 8765164 AVALON CA 90704 SFD 7.375 6.500 $2,527.87 360 8765452 GAITHERSBURG MD 20878 SFD 7.375 6.500 $2,486.43 360 8765856 AVONDALE ESTATES GA 30002 SFD 7.625 6.500 $2,259.28 360 8766717 SAN DIEGO CA 92130 SFD 7.125 6.500 $4,237.02 360 8769298 PHILADELPHIA PA 19119 SFD 7.250 6.500 $2,395.80 360 8769542 EAST WENATCHEE WA 98802 SFD 7.000 6.500 $2,102.36 360 8777926 INDEPENDENCE MN 55359 SFD 7.125 6.500 $3,934.52 360 8778628 AURORA CO 80016 SFD 7.500 6.500 $2,740.92 360 8781685 HOUSTON TX 77024 SFD 7.250 6.500 $2,240.95 360 8782157 BLUE BELL PA 19422 SFD 6.875 6.500 $2,181.00 360 8782162 KENNETT SQUARE PA 19348 SFD 7.250 6.500 $3,214.41 360 8783834 HERCULES CA 94547 SFD 7.125 6.500 $2,771.57 360 8784389 OJAI CA 93023 SFD 7.625 6.500 $2,229.55 360 8784877 AUSTIN TX 78704 SFD 7.125 6.500 $2,694.87 360 8785948 JACKSON MI 49203 SFD 7.750 6.500 $3,062.66 360 8786494 DEDHAM MA 02062 SFD 7.125 6.500 $2,459.07 360 8786557 DALLAS TX 75225 MF2 7.000 6.500 $3,012.49 360 8786761 MIDDLETOWN MD 21769 SFD 6.750 6.483 $2,074.87 360 8786777 SNOWMASS VILLAGE CO 81615 LCO 7.375 6.500 $2,348.30 360 8788139 LOS ANGELES CA 90064 SFD 7.375 6.500 $3,284.16 360 8789325 KENOSHA WI 53144 SFD 7.375 6.500 $2,485.74 360 8790742 OLATHE KS 66061 SFD 7.125 6.500 $2,888.90 360 8791986 TERRE HAUTE IN 47802 SFD 7.125 6.500 $2,501.71 300 8792107 BELLEVUE ID 83313 SFD 7.500 6.500 $3,740.80 360 8792575 NEWARK CA 94560 SFD 7.375 6.500 $2,141.09 360 8792866 ARNOLD MD 21012 SFD 7.000 6.500 $2,461.62 360 8792872 SAN FRANCISCO CA 94121 SFD 7.500 6.500 $5,593.72 360 8793871 SANTA BARBARA CA 93109 SFD 7.250 6.500 $3,383.59 360 8794358 RANCHO SANTA MARG CA 92688 SFD 7.375 6.500 $2,793.78 360 8795369 STIRLING NJ 07980 SFD 7.125 6.500 $2,088.53 360 8795891 ASPEN CO 81611 SFD 7.125 6.500 $3,031.73 360 8796854 LAGUNA BEACH CA 92651 SFD 7.250 6.500 $4,434.15 360 8797369 AURORA CO 80016 SFD 7.750 6.500 $2,514.61 360 8797837 LA CANADA CA 91011 SFD 7.000 6.500 $3,705.73 360 8797857 WELLESLEY MA 02482 SFD 7.625 6.500 $2,786.94 360 8798467 CARY IL 60013 SFD 7.250 6.500 $2,483.12 360 8799833 SOUTH SAN FRANCIS CA 94080 SFD 7.625 6.500 $2,845.33 360 8800803 ATLANTA GA 30306 SFD 8.000 6.500 $2,872.69 360 8801621 HUNTINGTON BEACH CA 92649 SFD 7.500 6.500 $4,364.22 360 8802170 NEW GLARUS WI 53574 SFD 7.625 6.500 $2,972.73 360 8803505 HAMPSTEAD MD 21074 SFD 6.500 6.233 $2,558.61 360 8804150 NEW YORK NY 10033 MF2 7.125 6.500 $2,964.36 360 8805811 HAYWARD CA 94542 SFD 7.375 6.500 $2,268.87 360 8805872 LA JOLLA CA 92037 SFD 7.375 6.500 $2,762.70 360 8805969 LOS ANGELES CA 90068 SFD 7.375 6.500 $2,762.70 360 8806375 SAN RAMON CA 94583 SFD 7.250 6.500 $3,329.02 360 8808100 FINKSBURG MD 21048 SFD 6.875 6.500 $2,835.30 360 8808771 DALLAS TX 75205 SFD 7.000 6.500 $2,561.41 360 8809706 ATLANTA GA 30319 SFD 6.750 6.483 $2,334.95 360 8811639 WESTPORT CT 06880 SFD 7.250 6.500 $4,434.15 360 8812020 CUPERTINO CA 95014 SFD 7.375 6.500 $6,561.41 360 8816874 ALPINE CA 91901 SFD 7.500 6.500 $2,819.58 240 8817277 RESTON VA 20190 SFD 7.250 6.500 $3,282.97 360 8817878 HAYESVILLE NC 28904 SFD 7.250 6.500 $2,483.12 360 8818501 SEATTLE WA 98107 SFD 7.250 6.500 $2,524.05 360 8823241 SAN JOSE CA 95124 SFD 7.375 6.500 $2,417.36 360 8829724 PORTLAND OR 97221 SFD 7.125 6.500 $5,726.61 360 8831613 HIGHLAND VILLAGE TX 75077 SFD 7.125 6.500 $2,282.10 360 8832223 HEREFORD AZ 85615 SFD 7.500 6.500 $3,181.43 360 8832563 LOS ANGELES CA 90026 SFD 7.250 6.500 $2,353.51 360 8832893 OJAI CA 93023 SFD 7.500 6.500 $5,383.95 360 8833494 PLYMOUTH MN 55447 SFD 7.250 6.500 $2,537.70 360 8833872 ROCHESTER MN 55902 SFD 7.250 6.500 $2,683.77 360 8835194 UNION CITY CA 94587 SFD 7.125 6.500 $3,503.34 360 8835884 MISSION VIEJO CA 92692 SFD 7.125 6.500 $3,099.11 360 8837249 ANAHEIM CA 92808 SFD 7.375 6.500 $2,134.19 360 8837553 ALAMEDA CA 94502 SFD 7.250 6.500 $2,455.83 360 8838533 ORLANDO FL 32801 SFD 7.500 6.500 $4,950.44 360 8839454 AUSTIN TX 78746 LCO 7.625 6.500 $3,206.31 360 8841758 HOUSTON TX 77098 SFD 7.125 6.500 $5,255.00 360 8842449 HUNTINGTON BEACH CA 92649 SFD 7.125 6.500 $2,464.05 360 8842533 SAN JOSE CA 95117 SFD 7.375 6.500 $2,472.62 360 8843398 ORONO MN 55364 SFD 7.250 6.500 $2,393.07 360 8843727 JEFFERSON SD 57038 SFD 7.500 6.500 $2,796.86 360 8843787 LOS ANGELES CA 90064 SFD 7.000 6.500 $2,724.41 360 8847379 SMYRNA GA 30082 SFD 7.375 6.500 $2,353.45 360 8850835 LA JOLLA CA 92037 MF2 7.250 6.500 $4,202.21 360 8852008 CHATHAM NJ 07928 SFD 6.750 6.483 $2,436.13 360 8852557 BENSALEM TWP. PA 19020 SFD 7.250 6.500 $3,410.88 360 8853790 FRANKLIN LAKES NJ 07417 SFD 7.500 6.500 $4,544.89 360 8856011 MODESTO CA 95356 SFD 7.500 6.500 $2,377.33 360 8859510 GRAND RAPIDS MI 49546 SFD 6.875 6.500 $2,956.18 360 8859732 BRONXVILLE NY 10708 SFD 7.000 6.500 $6,080.86 360 8859973 FAIRFAX VA 22030 SFD 7.750 6.500 $2,220.88 360 8860080 HAYDEN ID 83835 SFD 7.125 6.500 $2,479.28 360 8861937 REDWOOD CITY CA 94061 SFD 6.875 6.500 $3,563.84 360 8863869 WHITE PLAINS NY 10605 SFD 7.250 6.500 $4,087.60 360 8868346 ROCKVILLE MD 20850 SFD 6.875 6.500 $2,949.78 360 8868525 WATCHUNG BOROUGH NJ 07060 SFD 7.625 6.500 $4,161.83 360 8868555 LAS VEGAS NV 89144 SFD 7.250 6.500 $2,101.10 360 8869143 GARDEN CITY NY 11530 SFD 7.250 6.500 $3,479.10 360 8870406 DUNN LORING VA 22027 SFD 7.000 6.500 $2,720.91 360 8873521 NORTH OAKS MN 55127 SFD 7.250 6.500 $2,476.30 360 8873604 GLEN ELLYN IL 60137 SFD 6.875 6.500 $3,744.50 360 8874625 SEASIDE FL 32459 SFD 7.375 6.500 $4,220.02 360 8874723 CARLSBAD CA 92009 SFD 7.000 6.500 $2,846.50 360 8875355 LAKE BLUFF IL 60044 SFD 7.750 6.500 $2,328.34 360 8875713 SAN FRANCISCO CA 94115 SFD 7.375 6.500 $5,180.06 360 8876986 SANTA CRUZ CA 95062 SFD 7.250 6.500 $2,393.76 360 8880930 VIENNA VA 22180 SFD 6.875 6.500 $2,694.07 360 8881414 THE SEA RANCH CA 95497 SFD 7.000 6.500 $2,176.87 360 8882542 SANTA BARBARA CA 93105 SFD 7.000 6.500 $2,162.23 360 8883185 BLOOMINGTON MN 55438 SFD 7.250 6.500 $2,068.36 360 8884687 LOS ANGELES CA 90048 SFD 7.250 6.500 $2,742.35 360 8884955 ATLANTA GA 30326 HCO 7.375 6.500 $3,713.07 360 8887140 OCEANSIDE CA 92054 LCO 7.000 6.500 $3,911.98 360 8888234 RENO NV 89509 SFD 7.375 6.500 $2,279.23 360 8888632 HENDERSON NV 89052 SFD 7.625 6.500 $3,220.46 360 8888917 ASPEN CO 81611 LCO 7.125 6.500 $4,542.55 360 8889316 HENDERSON NV 89001 SFD 7.250 6.500 $4,996.18 360 8890116 LITTLETON CO 80123 SFD 7.250 6.500 $2,612.74 360 8891396 DOYLESTOWN PA 18901 SFD 7.125 6.500 $3,045.21 360 8892132 DALLAS TX 75230 SFD 6.750 6.483 $2,884.96 360 8893819 WALNUT CREEK CA 94598 SFD 7.000 6.500 $3,143.55 360 8895149 SANTA BARBARA CA 93111 SFD 7.375 6.500 $3,254.46 360 8895985 MEDINA MN 55340 SFD 6.875 6.500 $3,804.41 360 8896442 WOODBURY MN 55125 SFD 7.000 6.500 $2,769.32 360 8896609 LA HABRA CA 90631 SFD 7.250 6.500 $2,592.27 360 8897792 SAN CLEMENTE CA 92673 LCO 6.875 6.500 $2,635.93 360 8898321 FOUNTAIN VALLEY CA 92708 SFD 7.125 6.500 $2,526.44 360 8899615 CHEVY CHASE MD 20815 SFD 7.375 6.500 $3,094.22 360 8900220 BROOKLYN, NY 11234 SFD 7.375 6.500 $2,693.14 240 8901397 RENO NV 89511 SFD 7.250 6.500 $2,769.64 360 8901576 LONG BEACH CA 90814 SFD 7.250 6.500 $3,028.86 360 8901617 NEWPORT BEACH CA 92625 SFD 7.000 6.500 $2,162.23 360 8901885 SOUTHERN PINES NC 28387 SFD 7.000 6.500 $2,661.21 360 8902584 SHOREWOOD MN 55331 SFD 7.250 6.500 $2,217.07 360 8903554 BELLFLOWER CA 90706 SFD 7.375 6.500 $2,949.53 360 8904553 BELLFLOWER CA 90706 SFD 7.250 6.500 $2,983.84 360 8906175 SCOTTS VALLEY CA 95066 SFD 7.375 6.500 $2,776.51 360 8907413 HENDERSON NV 89052 SFD 7.375 6.500 $2,762.70 360 8908034 LAWRENCEVILLE GA 30043 SFD 7.000 6.500 $2,006.55 360 8909257 ORINDA CA 94563 SFD 7.250 6.500 $2,844.68 360 8910030 COTO DE CAZA CA 92679 SFD 7.125 6.500 $5,895.04 360 8910205 WESTLAKE VILLAGE CA 91361 SFD 7.000 6.500 $3,194.23 240 8911023 PORTLAND OR 97210 SFD 7.125 6.500 $3,600.35 360 8912697 ANAHEIM CA 92808 SFD 7.375 6.500 $2,217.07 360 8912805 CASPER WY 82609 SFD 7.375 6.500 $3,163.29 360 8912885 SAN DIMAS CA 91773 SFD 7.375 6.500 $2,757.17 360 8913242 PLYMOUTH MN 55446 SFD 7.250 6.500 $2,292.11 360 8913517 PARKER CO 80134 SFD 6.625 6.358 $3,449.36 360 8915243 BELLFLOWER CA 90706 SFD 7.000 6.500 $2,661.21 360 8916714 REDONDO BEACH CA 90277 LCO 7.125 6.500 $2,142.42 360 8916825 MINNEAPOLIS MN 55403 SFD 7.000 6.500 $2,993.86 360 8917837 GOLDEN VALLEY MN 55422 SFD 7.375 6.500 $2,099.65 360 8918272 LAGUNA NIGUEL CA 92677 SFD 7.250 6.500 $2,251.18 360 8920201 OCEAN CITY NJ 08226 SFD 7.250 6.500 $2,285.29 360 8920283 KILDEER IL 60047 SFD 7.250 6.500 $2,967.47 360 8922183 RALEIGH NC 27615 SFD 7.125 6.500 $2,422.02 360 8922307 PROSPECT KY 40059 SFD 6.750 6.483 $6,271.94 360 8923256 FLOWER MOUND TX 75028 SFD 7.125 6.500 $4,077.01 360 8923424 THORNTON CO 80241 SFD 7.250 6.500 $2,073.82 360 8923759 GREAT FALLS VA 22066 SFD 7.250 6.500 $4,434.15 360 8923798 MORAGA CA 94556 SFD 7.125 6.500 $3,227.11 360 8924734 AUSTIN TX 78704 SFD 6.875 6.500 $3,941.57 360 8924787 PORTLAND OR 97229 SFD 7.000 6.500 $2,182.19 360 8924798 MINNEAPOLIS MN 55409 SFD 7.125 6.500 $2,358.01 360 8924918 PACIFIC PALISADES CA 90272 SFD 7.375 6.500 $5,318.20 360 8925051 LOS ANGELES CA 91311 SFD 7.125 6.500 $2,256.96 360 8925094 KENNEBUNK ME 04043 SFD 7.000 6.500 $2,448.31 360 8925728 SEDONA AZ 86351 SFD 7.000 6.500 $2,519.67 360 8926113 LONG BEACH CA 90814 SFD 7.250 6.500 $3,615.53 360 8926187 RENO NV 89511 SFD 7.000 6.500 $2,142.27 360 8926473 REDLANDS CA 92373 SFD 6.875 6.500 $2,470.05 360 8926816 SAN CLEMENTE CA 92672 SFD 7.125 6.500 $2,930.68 360 8928900 LAGUNA NIGUEL CA 92677 SFD 7.250 6.500 $4,011.88 360 8930351 PRIOR LAKE MN 55372 SFD 7.250 6.500 $2,481.42 360 8930759 LOS GATOS CA 95030 SFD 7.250 6.500 $2,097.69 360 8931900 PARKER CO 80138 SFD 7.375 6.500 $2,957.47 360 8932489 CREVE COEUR MO 63141 SFD 6.750 6.483 $4,215.89 360 8932695 HENDERSON NV 89014 SFD 7.125 6.500 $2,169.37 360 8932940 PITTSBURG CA 94565 SFD 7.625 6.500 $2,548.06 360 8933493 LIVERMORE CA 94550 SFD 7.000 6.500 $2,827.54 360 8933528 SAN JOSE CA 95124 SFD 7.250 6.500 $4,345.46 360 8934014 WESTLAKE VILLAGE CA 91361 SFD 7.250 6.500 $3,103.90 360 8935317 PASADENA CA 91105 SFD 7.250 6.500 $5,116.32 360 8935403 EVANSTON IL 60201 SFD 7.125 6.500 $2,486.02 360 8935905 HOPEWELL NJ 08534 SFD 7.125 6.500 $2,593.82 360 8936587 BALBOA ISLAND CA 92662 SFD 7.250 6.500 $3,049.33 360 8936745 RIVERSIDE CA 92506 SFD 7.000 6.500 $2,661.21 360 8936902 UKIAH CA 95482 SFD 7.250 6.500 $2,483.12 360 8936992 AUSTIN TX 78731 SFD 7.125 6.500 $2,263.69 360 8937472 MAPLE GROVE MN 55311 SFD 6.875 6.500 $2,187.57 360 8937508 FORT LEE NJ 07024 SFD 7.250 6.500 $3,247.16 360 8938195 BOULDER CO 80302 SFD 7.250 6.500 $2,182.96 360 8938592 THOUSAND OAKS CA 91360 SFD 7.375 6.500 $8,288.10 360 8939587 SAN JOSE CA 95118 SFD 6.875 6.500 $2,383.99 360 9163603 SAN FRANCISCO CA 94114 LCO 7.125 6.500 $4,379.17 360 9165200 AURORA OR 97002 SFD 7.000 6.500 $2,594.32 360 9192501 FAIRFIELD CA 94533 SFD 7.000 6.500 $2,029.18 360 9204637 SAN JOSE CA 95133 SFD 6.875 6.500 $2,853.70 360 9220259 MOUNTAIN LAKE NJ 07046 SFD 6.875 6.500 $6,405.06 360 9220321 ENGLEWOOD NJ 07631 SFD 6.875 6.500 $3,547.42 360 9227989 LOS ANGELES CA 90004 SFD 6.875 6.500 $3,324.06 360 9231200 SUNNYVALE CA 94086 LCO 7.000 6.500 $2,192.84 360 9239847 WOODCLIFF LAKE NJ 07675 SFD 6.875 6.500 $2,562.03 360 9257171 SPRINGFIELD VA 22152 SFD 7.000 6.500 $2,069.09 360 9259112 VIENNA VA 22182 SFD 6.875 6.500 $2,364.95 360 9261843 RANCHO MIRAGE CA 92270 SFD 7.375 6.500 $3,815.98 360 9263419 HOUSTON TX 77027 SFD 6.875 6.500 $2,250.31 360 9263518 BELL CANYON AREA CA 91307 SFD 7.000 6.500 $4,098.27 360 9266289 DANVILLE CA 94506 SFD 7.125 6.500 $2,630.87 360 9266909 SAN JOSE CA 95124 SFD 7.000 6.500 $2,335.22 360 9272933 DUBLIN CA 94568 SFD 7.000 6.500 $2,075.75 360 9274002 SAN MATEO CA 94401 SFD 6.875 6.500 $2,186.59 360 9274358 WATSONVILLE CA 95076 SFD 6.875 6.500 $2,135.02 360 9275116 WALNUT CREEK CA 94598 SFD 7.000 6.500 $2,970.58 360 9275637 SAN ANTONIO TX 78212 LCO 6.750 6.483 $6,353.02 360 9278346 CONCORD CA 94518 SFD 7.375 6.500 $2,231.23 360 9279688 BIRMINGHAM AL 35213 SFD 6.750 6.483 $4,961.78 360 9280124 LAKE ZURICH IL 60047 SFD 7.750 6.500 $2,783.27 360 9281122 MOUNTAIN VIEW CA 94040 SFD 7.000 6.500 $2,262.03 360 9282773 NOVATO CA 94945 SFD 7.000 6.500 $2,894.07 360 9284043 NORTHBROOK IL 60062 SFD 6.875 6.500 $4,598.51 360 9286808 LAKE FOREST IL 60045 SFD 6.875 6.500 $3,021.88 360 9289729 BOULDER CREEK CA 95006 SFD 6.500 6.233 $2,743.18 360 9290495 PORT ARTHUR TX 77640 SFD 7.125 6.500 $2,607.30 360 9290578 VANCOUVER WA 98685 SFD 6.750 6.483 $2,899.24 360 9298548 WAYNE NJ 07470 SFD 6.875 6.500 $2,463.49 360 9298803 BRIGHTON BEACH NY 11235 LCO 7.125 6.500 $2,091.90 360 9301870 SUGAR GROVE IL 60554 SFD 7.000 6.500 $2,035.83 360 9302266 NORTHBROOK IL 60062 SFD 6.750 6.483 $2,626.83 360 9304338 LOS ANGELES CA 90045 SFD 6.875 6.500 $2,299.25 360 9306501 PORTLAND OR 97229 SFD 6.875 6.500 $2,857.64 360 9310632 LONG GROVE IL 60047 SFD 6.750 6.483 $2,866.81 360 9311614 EVANSTON IL 60201 SFD 6.875 6.500 $3,547.42 360 9311697 EDMONDS WA 98020 SFD 6.875 6.500 $2,036.48 360 9314618 SANDY UT 84092 SFD 6.875 6.500 $2,542.32 360 9316530 BEND OR 97701 SFD 7.000 6.500 $3,243.35 360 9321381 TAMPA FL 33606 SFD 6.750 6.483 $2,516.56 360 9325546 SAN MATEO CA 94402 SFD 6.875 6.500 $3,606.54 360 9325567 SAN ANSELMO CA 94960 SFD 7.375 6.500 $2,762.70 360 9325689 HUNTINGTON BEACH CA 92648 SFD 7.000 6.500 $2,727.74 360 9325926 FREMONT CA 94536 SFD 7.125 6.500 $3,099.11 360 9326709 SAN DIEGO CA 92109 SFD 7.000 6.500 $2,844.17 360 9327420 GLENCOE IL 60022 SFD 6.875 6.500 $4,254.93 360 9327480 OAKLAND CA 94609 SFD 7.250 6.500 $2,165.91 360 9327618 FOLSOM CA 95630 SFD 7.000 6.500 $2,405.07 360 9327653 RICHMOND CA 94805 SFD 7.125 6.500 $2,218.90 360 9328309 UNION CITY CA 94587 SFD 7.125 6.500 $2,994.68 360 9328456 LOS ALAMITOS CA 90720 SFD 7.500 6.500 $3,160.45 360 9328460 ORINDA CA 94563 SFD 7.375 6.500 $3,923.04 360 9329058 DANVILLE CA 94526 SFD 7.125 6.500 $2,267.07 360 9329059 OAKLAND CA 94618 SFD 6.875 6.500 $3,284.65 360 9329089 SOUTH SAN FRANCIS CA 94080 SFD 6.875 6.500 $2,378.09 360 9329673 APEX NC 27502 SFD 6.750 6.483 $3,242.99 360 9329885 SAN RAMON CA 94583 SFD 7.375 6.500 $2,666.01 360 9330004 SAN JOSE CA 95148 SFD 6.750 6.483 $2,075.52 360 9330070 PALO ALTO CA 94301 SFD 6.875 6.500 $3,862.75 360 9330073 MOUNTAIN VIEW CA 94040 SFD 7.250 6.500 $2,708.24 360 9330246 WALNUT CREEK CA 94596 SFD 7.375 6.500 $2,500.25 360 9330346 HEATH TX 75032 SFD 7.000 6.500 $2,820.89 360 9330711 SUNNYVALE CA 94087 SFD 7.250 6.500 $3,058.20 360 9330780 CARNELIAN BAY CA 96140 SFD 6.500 6.233 $2,749.50 360 9330886 SAN FRANCISCO CA 94116 SFD 7.000 6.500 $2,561.42 360 9331033 HOLLISTER CA 95023 SFD 6.875 6.500 $1,997.07 360 9331093 DUBLIN CA 94568 SFD 7.125 6.500 $2,290.65 360 9331287 BERKELEY CA 94708 SFD 7.375 6.500 $2,929.85 360 9331289 DANVILLE CA 94526 SFD 7.000 6.500 $3,945.25 360 9331298 LOS ALTOS CA 94024 SFD 7.000 6.500 $4,078.31 360 9331367 BLACK BUTTE RANCH OR 97759 SFD 7.000 6.500 $2,494.89 360 9332019 SAN MATEO CA 94403 SFD 7.125 6.500 $2,910.47 360 9332035 SAN MATEO CA 94402 SFD 7.125 6.500 $2,681.40 360 9332060 BURLINGAME CA 94010 SFD 7.125 6.500 $4,210.74 360 9332080 SAN JOSE CA 95118 SFD 7.250 6.500 $2,136.07 360 9332089 SAN JOSE CA 95118 SFD 7.250 6.500 $2,080.64 360 9332113 TRACY CA 95377 SFD 7.500 6.500 $2,386.07 360 9332145 BURLINGAME CA 94010 SFD 7.125 6.500 $5,895.04 360 9332348 SANTA ROSA CA 95404 SFD 7.125 6.500 $5,288.69 360 9332389 GARDNERVILLE NV 89410 SFD 7.000 6.500 $2,303.95 360 9332403 MARKLEEVILLE CA 96120 SFD 7.125 6.500 $2,277.17 360 9332652 DANVILLE CA 94506 SFD 7.250 6.500 $3,223.29 360 9332711 ALAMO CA 94507 SFD 7.000 6.500 $2,661.21 360 9332723 LOS GATOS CA 95033 SFD 7.250 6.500 $3,185.77 360 9332831 CUPERTINO CA 95014 SFD 7.125 6.500 $3,004.79 360 9332944 FOSTER CITY CA 94404 SFD 7.375 6.500 $3,301.43 360 9332950 CASTRO VALLEY CA 94552 SFD 7.000 6.500 $3,599.29 360 9333670 MORGAN HILL CA 95037 SFD 7.125 6.500 $3,469.65 360 9333842 SAN RAMON CA 94583 SFD 7.250 6.500 $2,510.41 360 9333865 NEVADA CITY CA 95959 SFD 6.875 6.500 $2,410.93 360 9334071 SAN FRANCISCO CA 94114 SFD 7.125 6.500 $3,705.46 360 9334481 WESTERN SPRINGS IL 60558 SFD 7.000 6.500 $3,592.64 360 9334643 SANTA CLARA CA 95051 SFD 6.875 6.500 $2,299.25 360 9334691 PLEASANTON CA 94588 SFD 7.250 6.500 $4,434.15 360 9334714 BRENTWOOD CA 94513 SFD 7.000 6.500 $2,741.05 360 9334895 IRVINE CA 92618 SFD 7.250 6.500 $2,769.64 360 9334972 GRANITE BAY CA 95746 SFD 7.625 6.500 $5,053.65 360 9335153 ALAMEDA CA 94501 SFD 7.125 6.500 $2,381.60 360 9335244 LIVERMORE CA 94550 SFD 7.250 6.500 $2,169.32 360 9335311 LOS ANGELES CA 91436 SFD 6.875 6.500 $3,310.93 360 9335775 SAN CLEMENTE CA 92672 LCO 7.000 6.500 $4,158.14 360 9335818 GRANITE BAY CA 95746 SFD 7.000 6.500 $3,013.82 360 9335826 SARATOGA CA 95070 SFD 7.000 6.500 $4,074.98 360 9335919 BELMONT CA 94002 SFD 7.125 6.500 $2,445.60 360 9336231 CONCORD CA 94521 SFD 7.000 6.500 $3,000.52 360 9336405 POTOMAC MD 20854 SFD 6.750 6.483 $3,697.01 360 9336417 VACAVILLE CA 95688 SFD 7.250 6.500 $2,796.93 360 9336444 DANVILLE CA 94526 SFD 6.875 6.500 $2,568.60 360 9336470 OLATHE KS 66061 SFD 6.750 6.483 $2,390.09 360 9336568 HOLLISTER CA 95023 SFD 6.875 6.500 $2,430.64 360 9336632 HILLSBOROUGH CA 94010 SFD 7.125 6.500 $4,806.98 360 9336715 WALNUT CREEK CA 94598 SFD 6.875 6.500 $2,297.28 360 9336878 HINSDALE IL 60521 SFD 7.875 6.500 $4,350.42 360 9337669 LOS ALTOS CA 94024 SFD 6.875 6.500 $4,270.04 360 9337867 PIEDMONT CA 94611 SFD 7.000 6.500 $3,665.82 360 9337887 SANTA ROSA CA 95409 SFD 6.750 6.483 $2,432.25 360 9337917 MILL VALLEY CA 94941 SFD 7.250 6.500 $3,812.00 360 9337922 LAFAYETTE CA 94549 SFD 7.500 6.500 $2,810.85 360 9337979 PIEDMONT CA 94618 SFD 7.125 6.500 $6,673.19 360 9338014 PETALUMA CA 94954 SFD 6.750 6.483 $2,652.77 360 9338040 PLEASANTON CA 94566 SFD 6.750 6.483 $2,354.42 360 9338082 SAN RAFAEL CA 94901 SFD 7.000 6.500 $3,087.01 360 9338124 PLEASANTON CA 94566 SFD 6.875 6.500 $2,870.78 360 9338136 FREMONT CA 94539 SFD 7.125 6.500 $4,244.43 360 9338168 GRANITE BAY CA 95746 SFD 7.000 6.500 $2,215.46 360 9338227 NOVATO CA 94947 SFD 6.750 6.483 $4,215.89 360 9338375 SAN FRANCISCO CA 94114 SFD 7.250 6.500 $3,376.78 360 9338408 FREMONT CA 94536 SFD 7.000 6.500 $2,328.56 360 9338412 SARATOGA CA 95070 SFD 7.000 6.500 $4,903.28 360 9338455 CARLSBAD CA 92009 SFD 7.125 6.500 $3,031.74 360 9338524 PLEASANTON CA 94566 SFD 7.125 6.500 $2,713.74 360 9338525 DALY CITY CA 94014 SFD 7.000 6.500 $2,328.56 360 9338608 SAN FRANCISCO CA 94127 SFD 7.000 6.500 $3,965.21 360 9338639 SCOTTS VALLEY CA 95066 SFD 6.875 6.500 $2,693.41 360 9338892 HAWTHORN WOODS IL 60047 SFD 7.000 6.500 $2,959.93 360 9338907 NORTH EASTON MA 02356 SFD 6.625 6.358 $1,984.97 360 9339176 FAIRFAX STATION VA 22039 SFD 7.125 6.500 $2,155.90 360 9339370 DANA POINT CA 92629 SFD 7.125 6.500 $3,368.60 360 9339374 WALNUT CREEK CA 94598 SFD 6.875 6.500 $2,581.73 360 9339421 ALAMO CA 94507 SFD 6.750 6.483 $4,702.34 360 9339471 ORINDA CA 94563 SFD 7.000 6.500 $2,914.03 360 9339478 SAN FRANCISCO CA 94121 LCO 7.000 6.500 $3,253.33 360 9339506 GILROY CA 95020 SFD 6.875 6.500 $2,906.91 360 9339579 LAGUNA NIGUEL CA 92677 SFD 7.250 6.500 $2,493.69 300 9339688 SAN FRANCISCO CA 94110 MF2 6.875 6.500 $2,768.96 360 9339715 NOVATO CA 94947 SFD 7.250 6.500 $5,484.70 360 9339770 THOUSAND OAKS CA 91362 SFD 7.000 6.500 $2,594.68 360 9339865 GRASS VALLEY CA 95949 SFD 6.875 6.500 $2,627.72 360 9339874 ROGERS AR 72758 SFD 7.000 6.500 $4,058.35 360 9339947 LOS ANGELES CA 90064 SFD 6.625 6.358 $2,593.26 360 9339977 SAN JOSE CA 95120 SFD 7.125 6.500 $2,492.76 360 9339986 HEALDSBURG CA 95448 SFD 6.875 6.500 $3,153.26 360 9339988 MILL VALLEY CA 94941 SFD 7.125 6.500 $4,109.69 360 9339993 SAMMAMISH WA 98075 SFD 6.750 6.483 $2,265.88 360 9340049 DANVILLE CA 94526 SFD 6.875 6.500 $2,604.73 360 9340052 MOORPARK CA 93021 SFD 6.875 6.500 $2,075.90 360 9340257 ELLICOTT CITY MD 21043 SFD 7.000 6.500 $2,378.46 360 9340269 LAGUNA NIGUEL CA 92677 SFD 7.250 6.500 $3,607.01 360 9340295 WOODLAND CA 95695 SFD 7.000 6.500 $2,352.51 360 9340399 WARREN NJ 07059 SFD 6.625 6.358 $2,974.25 360 9340489 BELLEVUE WA 98004 SFD 7.125 6.500 $2,290.65 360 9340508 BELMONT CA 94002 SFD 7.000 6.500 $3,096.99 360 9340534 ROSS CA 94957 SFD 6.875 6.500 $4,210.92 360 9340662 BRIARCLIFF MANOR NY 10510 SFD 6.875 6.500 $2,512.76 360 9341087 SAN FRANCISCO CA 94109 LCO 7.000 6.500 $3,326.52 360 9341155 ORANGE CA 92869 SFD 7.000 6.500 $3,758.96 360 9341246 FREMONT CA 94536 SFD 6.875 6.500 $2,515.38 360 9341316 FREMONT CA 94539 SFD 7.000 6.500 $4,324.47 360 9341561 CARY IL 60013 SFD 6.875 6.500 $3,337.20 360 9341581 CARLSBAD CA 92008 SFD 6.875 6.500 $2,285.46 360 9342231 SAN MATEO CA 94401 SFD 7.125 6.500 $2,192.96 360 9342262 SAN RAMON CA 94583 SFD 7.000 6.500 $2,315.25 360 9342325 LOS ANGELES CA 91307 SFD 7.250 6.500 $2,305.76 360 9342348 SAN JOSE CA 95148 SFD 6.750 6.483 $2,918.70 360 9342585 ORANGE CA 92869 SFD 7.125 6.500 $3,415.76 360 9343108 SAN ANSELMO CA 94960 SFD 7.500 6.500 $2,307.41 360 9343189 PLEASANTON CA 94588 SFD 7.000 6.500 $6,653.03 360 9343277 YORBA LINDA CA 92886 SFD 7.250 6.500 $3,410.89 360 9343290 FALL CITY WA 98024 SFD 6.875 6.500 $2,286.12 360 9343386 NAPA CA 94558 SFD 7.000 6.500 $2,754.36 360 9343678 CLOVIS CA 93611 SFD 7.000 6.500 $4,324.47 360 9346496 PACIFIC GROVE CA 93950 SFD 7.125 6.500 $3,705.46 360 9347585 ALAMO CA 94507 SFD 6.875 6.500 $2,036.48 360 9347764 SACRAMENTO CA 95829 SFD 7.000 6.500 $2,727.74 360 9348015 DANVILLE, CA CA 94526 SFD 7.000 6.500 $2,355.17 360 9348417 ENGLEWOOD CLIFFS NJ 07632 SFD 6.750 6.483 $2,529.54 360 9348461 HARVARD MA 01451 LCO 7.375 6.500 $2,106.56 360 9349371 SAN JOSE CA 95135 SFD 6.875 6.500 $2,708.52 360 9349545 ATLANTA GA 30338 SFD 6.750 6.483 $2,314.85 360 9349954 LOS ANGELES CA 91326 SFD 6.875 6.500 $2,093.64 360 9350802 BALTIMORE MD 21210 SFD 6.750 6.483 $2,750.06 360 9351204 ST PAUL PARK MN 55071 SFD 7.125 6.500 $2,398.44 360 9352048 FREMONT CA 94539 SFD 7.000 6.500 $3,592.64 360 9352386 PALATINE IL 60067 SFD 6.750 6.483 $2,069.03 360 9352419 ELK GROVE CA 95624 SFD 6.875 6.500 $2,667.14 360 9353152 LOS ALTOS CA 94024 SFD 6.875 6.500 $4,835.00 360 9353899 SAN CLEMENTE CA 92673 SFD 7.000 6.500 $3,619.25 360 9354105 LOLETA CA 95551 SFD 6.875 6.500 $2,167.87 360 9355427 SANTA ROSA CA 95409 SFD 6.875 6.500 $3,350.34 360 9357426 HAILEY ID 83333 SFD 6.625 6.358 $2,849.38 360 9358117 DUBLIN CA 94568 SFD 6.875 6.500 $2,627.72 360 9358433 FREMONT CA 94539 SFD 7.125 6.500 $2,964.37 360 9358864 GRANITE BAY CA 95746 SFD 7.000 6.500 $5,322.42 360 9359483 FAIR OAKS CA 95628 SFD 6.875 6.500 $2,299.25 360 9359863 FOLSOM CA 95630 SFD 7.250 6.500 $2,459.25 360 9359905 SAN JOSE CA 95125 SFD 7.000 6.500 $2,521.50 360 9360142 ACWORTH GA 30101 SFD 6.875 6.500 $3,823.00 360 9360147 CHICAGO IL 60657 SFD 6.750 6.483 $2,196.16 360 9360329 HOLLISTER CA 95023 SFD 6.875 6.500 $1,997.07 360 9360759 NAPERVILLE IL 60564 SFD 6.875 6.500 $2,279.55 360 9360806 LIVINGSTON NJ 07039 SFD 6.875 6.500 $2,654.00 360 9360886 LARGO FL 33770 SFD 6.625 6.358 $2,881.40 360 9361004 WHEATON IL 60187 SFD 6.750 6.483 $3,178.13 360 9361046 DANVILLE CA 94526 SFD 7.250 6.500 $3,854.30 360 9361812 SAN RAFAEL CA 94903 SFD 6.875 6.500 $2,397.79 360 9361863 VERNON HILLS IL 60061 SFD 6.875 6.500 $2,463.49 360 9362041 LAGUNA NIGUEL CA 92677 SFD 7.250 6.500 $3,945.71 360 9362962 FORT MYERS FL 33912 SFD 6.750 6.483 $2,189.02 360 9363204 LAFAYETTE CA 94549 SFD 7.125 6.500 $3,146.27 360 9364499 LAGUNA HILLS CA 92653 SFD 7.500 6.500 $2,447.25 360 9440802 ANAHEIM CA 92807 SFD 7.250 6.500 $3,240.34 360 9869174 RAMROD KEY FL 33042 SFD 7.250 6.500 $2,500.86 360 9869685 NEWPORT BEACH CA 92660 SFD 6.750 6.483 $3,200.84 360 9873578 ATLANTA GA 30327 SFD 6.875 6.500 $6,569.29 360 9874527 ELLICOTT CITY MD 21042 SFD 7.500 6.500 $2,729.38 360 9876987 WHITTIER CA 90605 SFD 6.750 6.483 $2,425.76 360
WFMBS WFMBS 2001-31 EXHIBIT F-1 30 YEAR FIXED RATE NON-RELOCATION LOANS (CONTINUED) (i) (viii) (ix) (x) (xi) (xii) (xiii) (xiv) (xv) ----- ---------- -------------- ------ --------- ---------- -------- ----------- ------- CUT-OFF MORTGAGE SCHEDULED DATE MORTGAGE MASTER FIXED LOAN MATURITY PRINCIPAL INSURANCE SERVICE SERVICE RETAIN NUMBER DATE BALANCE LTV SUBSIDY CODE FEE FEE YIELD -------- ----------- -------------- ------ --------- ---------- -------- ----------- ------- 0077363 1-Nov-31 $331,747.38 80.00 0.250 0.017 0.608 1002828 1-Oct-31 $722,780.03 80.00 0.250 0.017 0.108 2007032 1-Oct-31 $405,380.24 73.42 0.250 0.017 0.608 2010998 1-Nov-31 $384,692.12 72.64 0.250 0.017 0.358 2014142 1-Oct-31 $359,408.10 69.23 0.250 0.017 0.233 2025706 1-Oct-31 $585,660.62 77.24 0.250 0.017 0.233 2026434 1-Oct-31 $387,845.35 70.00 0.250 0.017 0.108 2040987 1-Oct-31 $479,230.02 80.00 0.250 0.017 0.358 2071802 1-Oct-31 $568,652.68 40.71 0.250 0.017 0.233 2187643 1-Nov-31 $449,621.95 76.92 0.250 0.017 0.108 2822700 1-Oct-31 $435,764.48 61.91 0.250 0.017 0.108 2950995 1-Oct-31 $534,795.08 42.88 0.250 0.017 0.108 2962349 1-Oct-31 $463,218.13 80.00 0.250 0.017 0.108 2970287 1-Oct-31 $499,177.93 58.82 0.250 0.017 0.233 3615821 1-Oct-31 $314,507.05 72.92 0.250 0.017 0.483 3841623 1-Oct-31 $762,777.52 63.67 0.250 0.017 0.108 3844893 1-Nov-31 $445,634.42 63.71 0.250 0.017 0.233 3848830 1-Oct-31 $623,972.39 41.67 0.250 0.017 0.233 3849129 1-Oct-31 $336,542.75 79.41 0.250 0.017 0.233 3849862 1-Oct-31 $457,265.32 56.20 0.250 0.017 0.358 3850063 1-Oct-31 $356,376.20 60.00 0.250 0.017 0.108 3850156 1-Oct-31 $305,406.81 90.00 12 0.250 0.017 0.483 3850241 1-Oct-31 $581,066.41 65.99 0.250 0.017 0.358 3853896 1-Oct-31 $434,267.00 55.41 0.250 0.017 0.108 3889491 1-Nov-31 $343,724.91 80.00 0.250 0.017 0.358 3890109 1-Oct-31 $399,286.19 80.00 0.250 0.017 0.483 3890666 1-Oct-31 $509,181.91 79.69 0.250 0.017 0.358 3892002 1-Oct-31 $592,025.00 45.62 0.250 0.017 0.233 3892138 1-Oct-31 $454,270.12 79.82 0.250 0.017 0.358 4073060 1-Oct-21 $354,650.18 72.65 0.250 0.017 0.483 4097556 1-Oct-31 $428,294.65 80.00 0.250 0.017 0.233 4098869 1-Nov-31 $389,655.90 69.64 0.250 0.017 0.000 4109914 1-Oct-31 $324,465.65 41.94 0.250 0.017 0.233 4138285 1-Oct-31 $499,177.93 63.29 0.250 0.017 0.233 4147070 1-Oct-31 $334,449.21 52.76 0.250 0.017 0.233 4169728 1-Oct-31 $312,958.64 75.00 0.250 0.017 0.000 4175287 1-Oct-31 $648,904.71 36.62 0.250 0.017 0.108 4183687 1-Oct-31 $506,665.59 70.00 0.250 0.017 0.233 4219771 1-Sep-31 $351,171.24 54.15 0.250 0.017 0.483 4225064 1-Oct-31 $539,154.94 57.45 0.250 0.017 0.483 4231025 1-Nov-31 $499,609.94 68.03 0.250 0.017 0.483 4232022 1-Dec-31 $410,000.00 80.00 0.250 0.017 0.108 4234626 1-Oct-31 $395,330.37 46.04 0.250 0.017 0.483 4235839 1-Oct-31 $444,143.08 76.73 0.250 0.017 0.608 4235843 1-Oct-31 $386,858.55 79.89 0.250 0.017 0.608 4235868 1-Oct-31 $343,737.43 79.69 0.250 0.017 0.733 4235906 1-Oct-31 $315,952.48 68.79 0.250 0.017 0.608 4239277 1-Nov-31 $649,440.36 33.77 0.250 0.017 0.000 4244916 1-Oct-31 $464,704.65 32.28 0.250 0.017 0.358 4248309 1-Aug-31 $321,484.51 75.00 0.250 0.017 0.483 4251254 1-Aug-31 $143,546.55 80.00 0.250 0.017 0.483 4254644 1-Dec-31 $556,000.00 80.00 0.250 0.017 0.000 4256903 1-Nov-31 $374,677.13 69.44 0.250 0.017 0.000 4260825 1-Dec-31 $616,000.00 80.00 0.250 0.017 0.000 4261121 1-Jul-31 $368,574.89 51.03 0.250 0.017 0.608 4262443 1-Jul-31 $376,544.04 60.00 0.250 0.017 0.608 4262585 1-Oct-31 $429,343.61 78.18 0.250 0.017 0.608 4262914 1-Nov-31 $375,720.95 80.00 0.250 0.017 0.733 4266131 1-Dec-31 $655,000.00 56.96 0.250 0.017 0.108 4266664 1-Nov-31 $383,685.23 74.56 0.250 0.017 0.233 4267250 1-Sep-31 $623,564.49 64.10 0.250 0.017 0.608 4267532 1-Aug-31 $519,361.23 71.86 0.250 0.017 0.733 4271871 1-Nov-31 $354,723.06 56.71 0.250 0.017 0.483 4272384 1-Dec-31 $387,800.00 70.00 0.250 0.017 0.000 4272526 1-Dec-31 $314,160.00 88.00 01 0.250 0.017 0.358 4272952 1-Nov-31 $383,685.23 80.00 0.250 0.017 0.233 4273387 1-Oct-31 $727,859.18 55.95 0.250 0.017 0.483 4274717 1-Nov-31 $584,532.18 46.80 0.250 0.017 0.358 4275737 1-Oct-31 $497,988.64 75.00 0.250 0.017 0.608 4276079 1-Nov-31 $849,336.92 24.29 0.250 0.017 0.483 4276882 1-Oct-31 $374,352.46 78.86 0.250 0.017 0.000 4278476 1-Sep-31 $498,408.53 90.00 13 0.250 0.017 0.858 4278631 1-Oct-31 $589,979.45 69.94 0.250 0.017 0.000 4282390 1-Aug-31 $383,846.32 70.00 0.250 0.017 0.733 4283889 1-Oct-31 $339,493.76 80.00 0.250 0.017 0.733 4284367 1-Sep-31 $378,428.79 80.00 0.250 0.017 0.608 4284750 1-Nov-31 $329,736.10 66.32 0.250 0.017 0.358 4286730 1-Nov-31 $499,579.93 77.52 0.250 0.017 0.108 4288548 1-Nov-31 $341,726.51 57.58 0.250 0.017 0.358 4289693 1-Oct-31 $447,281.35 73.20 0.250 0.017 0.358 4290547 1-Nov-31 $374,707.46 79.96 0.250 0.017 0.483 4290796 1-Nov-31 $859,345.61 67.45 0.250 0.017 0.608 4291218 1-Oct-31 $313,920.07 78.92 0.250 0.017 0.608 4291371 1-Nov-31 $329,729.50 61.68 0.250 0.017 0.233 4292248 1-Sep-31 $499,781.66 80.00 0.250 0.017 0.983 4292575 1-Nov-31 $473,591.89 74.06 0.250 0.017 0.000 4292685 1-Nov-31 $374,707.47 68.18 0.250 0.017 0.483 4292854 1-Nov-31 $470,813.76 78.53 0.250 0.017 0.233 4293199 1-Sep-31 $418,986.40 66.36 0.250 0.017 0.358 4294144 1-Oct-31 $572,057.88 75.39 0.250 0.017 0.233 4295055 1-Sep-31 $327,246.63 80.00 0.250 0.017 0.608 4295443 1-Nov-31 $372,705.83 80.00 0.250 0.017 0.000 4297302 1-Dec-21 $366,000.00 73.20 0.250 0.017 0.358 4298480 1-Nov-31 $327,737.70 80.00 0.250 0.017 0.358 4299258 1-Oct-31 $432,339.03 71.13 0.250 0.017 0.608 4299942 1-Nov-31 $799,406.28 54.79 0.250 0.017 0.733 4300152 1-Oct-31 $331,467.42 79.96 0.250 0.017 0.358 4300784 1-Sep-31 $704,337.76 70.60 0.250 0.017 0.483 4301256 1-Oct-31 $391,401.60 72.59 0.250 0.017 0.608 4301734 1-Oct-31 $449,241.73 67.87 0.250 0.017 0.108 4301932 1-Nov-31 $649,440.36 38.24 0.250 0.017 0.000 4302737 1-Oct-31 $748,766.87 37.50 0.250 0.017 0.233 4303188 1-Nov-31 $358,031.47 80.00 0.250 0.017 0.000 4303243 1-Oct-31 $351,421.27 80.00 0.250 0.017 0.233 4303524 1-Dec-31 $400,000.00 77.22 0.250 0.017 0.108 4303743 1-Oct-31 $484,821.03 80.00 0.250 0.017 0.358 4303832 1-Oct-31 $424,334.92 62.04 0.250 0.017 0.483 4303914 1-Oct-31 $499,217.54 79.56 0.250 0.017 0.483 4304305 1-Nov-31 $347,735.20 80.00 0.250 0.017 0.608 4304397 1-Nov-31 $317,751.93 75.71 0.250 0.017 0.483 4305202 1-Nov-31 $959,232.30 59.08 0.250 0.017 0.358 4305604 1-Nov-31 $449,640.14 63.58 0.250 0.017 0.358 4305963 1-Dec-31 $715,000.00 65.00 0.250 0.017 0.108 4307001 1-Nov-31 $349,698.65 54.86 0.250 0.017 0.000 4307565 1-Dec-31 $448,000.00 80.00 0.250 0.017 0.608 4308587 1-Sep-31 $307,891.22 79.67 0.250 0.017 0.608 4309034 1-Nov-31 $311,231.80 77.10 0.250 0.017 0.000 4309179 1-Nov-31 $499,590.15 65.79 0.250 0.017 0.233 4310044 1-Nov-31 $565,124.83 66.54 0.250 0.017 0.108 4310387 1-Nov-31 $406,150.00 76.27 0.250 0.017 0.000 4310936 1-Nov-31 $326,132.45 85.00 12 0.250 0.017 0.233 4310942 1-Oct-31 $628,766.62 67.02 GD 3YR 0.250 0.017 0.233 4311154 1-Nov-31 $344,896.99 78.45 0.250 0.017 0.108 4311425 1-Nov-31 $350,697.80 48.08 0.250 0.017 0.000 4311754 1-Nov-31 $311,946.09 48.78 0.250 0.017 0.233 4311783 1-Nov-31 $674,432.92 62.79 0.250 0.017 0.108 4312014 1-Oct-31 $335,461.02 80.00 0.250 0.017 0.358 4312119 1-Nov-31 $333,165.35 84.41 13 0.250 0.017 0.358 4312287 1-Nov-31 $499,609.94 68.97 0.250 0.017 0.483 4312935 1-Dec-31 $406,500.00 46.19 0.250 0.017 0.000 4313083 1-Oct-26 $496,766.89 55.33 0.250 0.017 0.233 4313213 1-Nov-31 $599,520.19 70.59 0.250 0.017 0.358 4313512 1-Nov-31 $313,742.62 51.99 0.250 0.017 0.233 4313599 1-Nov-31 $499,609.94 63.69 0.250 0.017 0.483 4314215 1-Nov-31 $336,156.52 72.97 0.250 0.017 0.858 4314748 1-Oct-31 $374,348.54 80.00 0.250 0.017 0.358 4315004 1-Nov-31 $374,707.46 74.26 0.250 0.017 0.483 4315486 1-Nov-31 $359,704.91 52.55 0.250 0.017 0.233 4315659 1-Oct-31 $309,464.70 80.00 0.250 0.017 0.000 4315730 1-Jun-31 $302,590.59 80.00 0.250 0.017 0.608 4315746 1-Oct-31 $417,361.89 67.42 0.250 0.017 0.608 4316234 1-Dec-31 $750,000.00 62.50 0.250 0.017 0.233 4316565 1-Oct-31 $499,136.60 59.17 0.250 0.017 0.000 4316913 1-Oct-31 $861,116.46 75.00 0.250 0.017 0.358 4316936 1-Nov-31 $333,732.91 61.85 0.250 0.017 0.358 4316937 1-Nov-31 $711,855.89 68.12 0.250 0.017 0.000 4317353 1-Nov-31 $316,740.16 49.53 0.250 0.017 0.233 4317367 1-Nov-31 $559,493.74 65.88 0.250 0.017 0.000 4317571 1-Nov-31 $318,931.83 80.00 0.250 0.017 0.108 4317690 1-Nov-31 $416,117.68 80.00 0.250 0.017 0.233 4318481 1-Nov-31 $343,751.01 80.00 0.250 0.017 0.858 4318482 1-Nov-31 $317,732.84 71.30 0.250 0.017 0.108 4318546 1-Nov-31 $349,613.18 69.98 0.250 0.017 0.233 4318657 1-Dec-21 $455,000.00 56.88 0.250 0.017 0.108 4318761 1-Nov-31 $464,618.84 66.91 0.250 0.017 0.233 4318888 1-Nov-31 $510,570.69 60.12 0.250 0.017 0.108 4318889 1-Nov-31 $549,560.17 61.11 0.250 0.017 0.358 4319020 1-Nov-31 $389,655.90 62.90 0.250 0.017 0.000 4319061 1-Nov-31 $449,648.96 75.00 0.250 0.017 0.483 4319158 1-Oct-31 $352,111.66 79.99 0.250 0.017 0.608 4319263 1-Nov-31 $669,435.12 67.00 0.250 0.017 0.108 4319702 1-Nov-31 $379,664.73 44.71 0.250 0.017 0.000 4319957 1-Nov-31 $748,386.05 53.50 0.250 0.017 0.233 4319972 1-Nov-31 $424,668.46 68.00 0.250 0.017 0.483 4320124 1-Dec-31 $319,000.00 79.75 0.250 0.017 0.000 4320129 1-Aug-31 $328,014.12 89.98 01 0.250 0.017 0.733 4320177 1-Nov-31 $309,752.10 73.81 0.250 0.017 0.358 4320269 1-Nov-31 $514,346.36 62.78 0.250 0.017 0.358 4320521 1-Nov-31 $749,414.93 57.69 0.250 0.017 0.483 4320773 1-Nov-31 $323,428.05 68.15 0.250 0.017 0.108 4320962 1-Nov-31 $814,797.87 70.00 0.250 0.017 0.000 4321200 1-Dec-31 $341,700.00 65.09 0.250 0.017 0.233 4321468 1-Oct-31 $429,327.09 43.43 0.250 0.017 0.483 4321611 1-Nov-31 $414,668.12 67.81 0.250 0.017 0.358 4321660 1-Nov-31 $321,249.20 80.00 0.250 0.017 0.483 4321778 1-Nov-31 $197,110.78 75.00 0.250 0.017 0.983 4321855 1-Oct-31 $274,547.84 68.97 0.250 0.017 0.233 4321950 1-Nov-31 $446,633.59 46.08 0.250 0.017 0.233 4322171 1-Nov-31 $352,703.44 50.43 0.250 0.017 0.108 4322207 1-Nov-31 $356,121.97 69.88 0.250 0.017 0.483 4322262 1-Nov-31 $429,647.52 53.42 0.250 0.017 0.233 4322452 1-Aug-31 $368,615.43 77.08 0.250 0.017 0.608 4322500 1-Nov-31 $414,651.34 49.40 0.250 0.017 0.108 4322535 1-Dec-31 $322,000.00 78.92 0.250 0.017 0.233 4322579 1-Oct-31 $323,217.70 79.94 0.250 0.017 0.233 4322916 1-Nov-31 $409,655.55 68.91 0.250 0.017 0.108 4322922 1-Nov-31 $664,441.32 70.00 0.250 0.017 0.108 4323330 1-Dec-31 $311,800.00 40.76 0.250 0.017 0.233 4323364 1-Nov-31 $612,497.52 65.21 GD 2YR 0.250 0.017 0.233 4324245 1-Nov-31 $327,717.59 63.08 0.250 0.017 0.000 4324659 1-Oct-31 $328,259.41 79.99 0.250 0.017 0.233 4324681 1-Oct-31 $572,125.31 57.30 0.250 0.017 0.608 4325540 1-Oct-31 $998,511.06 68.97 0.250 0.017 0.733 4325543 1-Oct-31 $356,735.50 79.80 0.250 0.017 0.233 4325584 1-Nov-31 $359,697.55 66.67 0.250 0.017 0.108 4325594 1-Nov-31 $999,219.90 57.14 0.250 0.017 0.483 4325605 1-Nov-31 $487,007.50 70.00 0.250 0.017 0.108 4325657 1-Nov-31 $594,547.25 70.00 0.250 0.017 0.608 4325814 1-Oct-31 $379,375.22 69.09 0.250 0.017 0.233 4325844 1-Nov-31 $394,254.46 79.99 0.250 0.017 0.358 4326132 1-Oct-31 $426,148.50 84.93 11 0.250 0.017 0.608 4326164 1-Dec-31 $408,000.00 80.00 0.250 0.017 0.000 4326291 1-Nov-31 $856,847.51 70.00 0.250 0.017 0.608 4326323 1-Nov-31 $381,694.52 69.45 0.250 0.017 0.358 4326367 1-Nov-31 $343,703.82 80.00 0.250 0.017 0.000 4326465 1-Oct-31 $327,061.37 80.00 0.250 0.017 0.233 4326916 1-Nov-31 $474,600.93 57.58 0.250 0.017 0.108 4326958 1-Nov-31 $484,092.96 73.41 0.250 0.017 0.108 4327059 1-Nov-31 $387,995.22 71.34 0.250 0.017 0.000 4327107 1-Nov-31 $327,737.70 80.00 0.250 0.017 0.358 4327124 1-Nov-31 $642,446.39 67.68 0.250 0.017 0.000 4327210 1-Nov-31 $404,668.02 75.00 0.250 0.017 0.233 4327442 1-Nov-31 $323,118.31 77.93 0.250 0.017 0.108 4327515 1-Nov-31 $311,756.61 71.56 0.250 0.017 0.483 4327527 1-Sep-31 $332,989.40 80.00 0.250 0.017 1.733 4327654 1-Oct-31 $359,422.51 55.13 0.250 0.017 0.358 4327666 1-Dec-31 $750,000.00 40.54 0.250 0.017 0.233 4327989 1-Oct-31 $425,149.84 64.52 0.250 0.017 0.233 4327992 1-Oct-21 $348,652.32 72.92 0.250 0.017 0.233 4328041 1-Oct-31 $571,104.88 80.00 0.250 0.017 0.483 4328180 1-Nov-31 $399,672.12 58.82 0.250 0.017 0.233 4328270 1-Nov-31 $322,785.21 79.99 0.250 0.017 0.233 4328275 1-Nov-31 $515,555.73 57.98 0.250 0.017 0.000 4328299 1-Jul-31 $325,639.30 80.00 0.250 0.017 0.483 4328343 1-Nov-31 $359,726.07 90.00 13 0.250 0.017 0.608 4328402 1-Jul-31 $413,067.06 75.45 0.250 0.017 0.608 4328482 1-Aug-31 $301,529.52 95.00 06 0.250 0.017 0.483 4328541 1-Dec-31 $432,000.00 80.00 0.250 0.017 0.233 4328618 1-Sep-31 $355,161.81 80.00 0.250 0.017 0.483 4328641 1-Nov-31 $344,688.11 76.67 0.250 0.017 0.000 4328649 1-Nov-31 $431,137.49 50.76 0.250 0.017 0.108 4328656 1-Nov-31 $398,711.91 51.16 0.250 0.017 0.233 4328711 1-Nov-31 $400,919.89 77.16 0.250 0.017 0.108 4328782 1-Sep-31 $315,292.03 80.00 0.250 0.017 0.733 4329092 1-Nov-31 $446,824.29 44.72 0.250 0.017 0.108 4329305 1-Nov-31 $312,730.51 75.79 0.250 0.017 0.000 4329359 1-Nov-31 $326,931.80 68.88 0.250 0.017 0.233 4329749 1-Oct-31 $474,687.34 80.00 0.250 0.017 0.358 4329763 1-Nov-31 $404,659.74 60.90 0.250 0.017 0.108 4329881 1-Nov-31 $594,432.34 72.12 0.250 0.017 0.483 4329963 1-Nov-31 $349,713.11 47.95 0.250 0.017 0.233 4330187 1-Nov-31 $176,851.30 75.00 0.250 0.017 0.108 4330378 1-Nov-31 $385,675.71 62.46 0.250 0.017 0.108 4330475 1-Aug-31 $428,811.16 46.50 0.250 0.017 0.733 4330514 1-Nov-31 $499,569.50 37.31 0.250 0.017 0.000 4330652 1-Nov-31 $479,893.58 85.00 33 0.250 0.017 0.733 4330672 1-Oct-31 $307,585.30 80.00 0.250 0.017 0.358 4330800 1-Nov-31 $649,539.34 68.06 0.250 0.017 0.983 4330864 1-Nov-31 $649,440.36 65.33 0.250 0.017 0.000 4330937 1-Dec-31 $460,000.00 61.33 0.250 0.017 0.233 4330997 1-Nov-31 $560,079.07 79.99 0.250 0.017 0.108 4331011 1-Aug-31 $370,885.28 80.00 0.250 0.017 0.733 4331417 1-Nov-31 $539,568.16 72.00 0.250 0.017 0.358 4331614 1-Nov-31 $449,602.97 48.39 0.250 0.017 0.000 4331819 1-Nov-31 $579,524.57 77.33 0.250 0.017 0.233 4331845 1-Sep-31 $648,469.59 68.85 0.250 0.017 0.483 4332032 1-Nov-31 $454,027.53 67.82 0.250 0.017 0.233 4332077 1-Nov-31 $508,550.91 68.98 0.250 0.017 0.000 4332152 1-Nov-31 $611,522.58 80.00 0.250 0.017 0.483 4332203 1-Nov-31 $399,663.95 62.02 0.250 0.017 0.108 4332263 1-Oct-31 $553,887.82 80.00 0.250 0.017 0.233 4332270 1-Nov-31 $425,559.42 80.00 0.250 0.017 0.358 4332388 1-Nov-31 $649,505.40 68.42 0.250 0.017 0.608 4332461 1-Oct-31 $448,901.90 51.14 0.250 0.017 0.233 4332534 1-Nov-31 $424,684.58 69.67 0.250 0.017 0.733 4332543 1-Nov-31 $374,721.69 69.44 0.250 0.017 0.733 4332583 1-Nov-31 $382,708.56 66.61 0.250 0.017 0.608 4332727 1-Nov-31 $399,687.96 80.00 0.250 0.017 0.483 4332746 1-Dec-31 $425,200.00 80.00 0.250 0.017 0.108 4332889 1-Nov-31 $567,588.53 68.91 0.250 0.017 0.858 4332931 1-Oct-31 $648,982.81 75.14 0.250 0.017 0.483 4333063 1-Nov-31 $519,573.77 80.00 0.250 0.017 0.233 4333146 1-Nov-31 $415,806.38 75.12 0.250 0.017 0.108 4333528 1-Nov-31 $417,640.10 64.31 0.250 0.017 0.000 4333737 1-Aug-31 $398,644.21 74.77 0.250 0.017 0.108 4333880 1-Nov-31 $334,831.86 70.00 0.250 0.017 0.358 4333947 1-Aug-31 $448,223.30 75.63 0.250 0.017 0.608 4334008 1-Nov-31 $518,574.58 78.05 0.250 0.017 0.233 4334135 1-Oct-31 $349,478.88 77.78 0.250 0.017 0.733 4334172 1-Aug-31 $797,831.29 69.57 0.250 0.017 1.233 4334174 1-Dec-31 $303,000.00 78.70 0.250 0.017 0.108 4334396 1-Nov-31 $324,745.71 67.71 0.250 0.017 0.483 4334457 1-Nov-31 $470,604.30 78.50 0.250 0.017 0.108 4334834 1-Oct-31 $303,482.17 56.00 0.250 0.017 0.358 4334943 1-Oct-31 $366,396.59 77.26 0.250 0.017 0.233 4334944 1-Nov-31 $418,173.53 90.00 33 0.250 0.017 0.483 4335013 1-Oct-31 $314,644.47 80.00 0.250 0.017 0.358 4335157 1-Oct-31 $325,437.06 69.36 0.250 0.017 0.000 4335214 1-Aug-31 $331,176.76 90.00 11 0.250 0.017 1.108 4335292 1-Oct-31 $329,443.93 75.00 0.250 0.017 0.108 4335379 1-Nov-31 $889,705.40 70.00 0.250 0.017 0.483 4335388 1-Nov-31 $321,779.96 47.01 0.250 0.017 0.608 4335863 1-Nov-31 $509,571.54 49.76 0.250 0.017 0.108 4335950 1-Jun-31 $322,605.58 90.00 11 0.250 0.017 0.983 4336018 1-Nov-31 $503,765.41 66.34 0.250 0.017 0.108 4336049 1-Nov-31 $438,531.26 54.25 0.250 0.017 0.108 4336123 1-Nov-31 $435,351.57 67.55 0.250 0.017 0.358 4336150 1-Nov-31 $419,647.14 64.62 0.250 0.017 0.108 4336436 1-Dec-31 $420,000.00 46.93 0.250 0.017 0.233 4336573 1-Nov-31 $449,621.95 60.00 0.250 0.017 0.108 4336711 1-Nov-31 $549,560.17 59.46 0.250 0.017 0.358 4336728 1-Sep-31 $388,605.40 62.82 0.250 0.017 0.608 4336867 1-Nov-31 $345,223.71 58.46 0.250 0.017 0.358 4337031 1-Nov-31 $328,730.32 58.23 0.250 0.017 0.233 4337211 1-Nov-31 $307,741.24 80.00 0.250 0.017 0.108 4337266 1-Nov-31 $467,625.74 52.00 0.250 0.017 0.358 4337306 1-Nov-31 $349,733.67 64.81 0.250 0.017 0.608 4337436 1-Nov-31 $612,497.52 25.54 0.250 0.017 0.233 4337470 1-Nov-31 $386,674.87 78.98 0.250 0.017 0.108 4337483 1-Aug-31 $423,726.49 73.91 0.250 0.017 0.733 4337643 1-Nov-31 $274,763.23 44.00 0.250 0.017 0.000 4337792 1-Nov-31 $394,691.86 60.77 0.250 0.017 0.483 4337829 1-Nov-31 $314,748.09 56.25 0.250 0.017 0.358 4337852 1-Nov-31 $564,261.55 48.06 0.250 0.017 0.108 4337943 1-Nov-31 $444,117.29 70.00 0.250 0.017 0.000 4337974 1-Nov-31 $456,616.06 67.21 0.250 0.017 0.108 4337982 1-Nov-31 $624,474.92 65.79 0.250 0.017 0.108 4337988 1-Nov-21 $343,325.65 68.24 0.250 0.017 0.108 4338070 1-Nov-31 $448,631.96 79.47 0.250 0.017 0.233 4338222 1-Nov-31 $619,439.50 77.99 0.250 0.017 0.000 4338229 1-Nov-31 $372,686.63 67.82 0.250 0.017 0.108 4338289 1-Nov-31 $574,540.17 44.23 0.250 0.017 0.358 4338496 1-Oct-31 $364,384.96 74.49 0.250 0.017 0.108 4338696 1-Nov-31 $362,460.68 61.18 0.250 0.017 0.608 4338705 1-Dec-31 $480,000.00 37.65 0.250 0.017 0.233 4338790 1-Nov-31 $349,698.65 46.67 0.250 0.017 0.000 4338793 1-Nov-31 $382,870.07 80.00 0.250 0.017 0.000 4338819 1-Nov-31 $359,726.07 90.00 33 0.250 0.017 0.608 4338832 1-Dec-31 $343,000.00 79.77 0.250 0.017 0.483 4338835 1-Nov-31 $384,668.52 64.17 0.250 0.017 0.000 4338875 1-Nov-31 $536,570.57 77.83 0.250 0.017 0.358 4338898 1-Oct-31 $342,176.48 80.00 0.250 0.017 0.233 4338925 1-Oct-31 $523,117.02 63.90 0.250 0.017 0.108 4338963 1-Nov-31 $495,593.42 41.33 0.250 0.017 0.233 4338964 1-Dec-31 $579,500.00 75.26 0.250 0.017 0.000 4339018 1-Nov-31 $664,427.45 62.74 0.250 0.017 0.000 4339020 1-Oct-31 $673,862.59 75.00 0.250 0.017 0.108 4339047 1-Nov-31 $386,258.73 80.00 0.250 0.017 0.000 4339072 1-Oct-31 $459,280.14 80.00 0.250 0.017 0.483 4339159 1-Dec-31 $479,753.00 57.18 0.250 0.017 0.000 4339162 1-Nov-31 $369,704.12 71.15 0.250 0.017 0.358 4339165 1-Nov-31 $619,479.12 80.00 0.250 0.017 0.108 4339173 1-Oct-31 $305,496.88 75.00 0.250 0.017 0.233 4339184 1-Aug-31 $301,260.18 95.00 01 0.250 0.017 1.108 4339374 1-Oct-31 $349,424.54 75.27 0.250 0.017 0.233 4339462 1-Oct-31 $375,381.80 80.00 0.250 0.017 0.233 4339464 1-Oct-31 $487,236.33 80.00 0.250 0.017 0.483 4339591 1-Dec-31 $393,786.00 28.13 0.250 0.017 0.000 4339632 1-Dec-31 $504,000.00 61.84 0.250 0.017 0.108 4339766 1-Nov-31 $555,555.38 70.29 0.250 0.017 0.358 4339810 1-Oct-31 $368,405.01 80.00 0.250 0.017 0.000 4339816 1-Nov-31 $452,719.34 68.65 0.250 0.017 0.108 4339820 1-Oct-31 $462,756.49 55.18 0.250 0.017 0.358 4339897 1-Nov-31 $388,696.54 31.63 0.250 0.017 0.483 4339911 1-Oct-31 $461,240.39 68.75 0.250 0.017 0.233 4340087 1-Oct-31 $364,384.96 63.28 0.250 0.017 0.108 4340198 1-Oct-31 $387,313.46 80.00 0.250 0.017 0.000 4340229 1-Nov-31 $368,604.99 80.00 0.250 0.017 0.358 4340252 1-Nov-31 $374,700.11 43.60 0.250 0.017 0.358 4340273 1-Nov-31 $424,660.13 60.71 0.250 0.017 0.358 4340283 1-Nov-31 $499,569.50 35.97 0.250 0.017 0.000 4340294 1-Nov-31 $341,733.20 88.83 33 0.250 0.017 0.483 4340369 1-Nov-31 $349,713.11 60.87 0.250 0.017 0.233 4340615 1-Dec-31 $544,000.00 54.95 0.250 0.017 0.000 4340669 1-Oct-31 $522,181.57 75.25 0.250 0.017 0.483 4340797 1-Nov-31 $399,663.95 57.14 0.250 0.017 0.108 4340910 1-Nov-31 $559,540.98 74.77 0.250 0.017 0.233 4341044 1-Nov-31 $385,519.83 63.46 0.250 0.017 0.108 4341124 1-Nov-31 $301,546.37 80.00 0.250 0.017 0.108 4341329 1-Nov-31 $463,600.50 53.33 0.250 0.017 0.000 4341357 1-Dec-31 $320,000.00 56.64 0.250 0.017 0.108 4341510 1-Nov-31 $435,633.71 80.00 0.250 0.017 0.108 4341704 1-Nov-31 $429,629.77 64.18 0.250 0.017 0.000 4341725 1-Nov-31 $369,681.43 56.92 0.250 0.017 0.000 4341739 1-Oct-31 $406,147.44 80.00 0.250 0.017 0.358 4341789 1-Oct-31 $611,767.40 62.85 0.250 0.017 0.108 4341812 1-Oct-31 $398,774.99 80.00 0.250 0.017 0.483 4341823 1-Nov-31 $377,690.16 70.00 0.250 0.017 0.233 4341839 1-Dec-31 $360,000.00 67.54 0.250 0.017 0.108 4341847 1-Aug-31 $421,333.67 79.99 0.250 0.017 0.733 4341895 1-Nov-31 $326,705.31 59.45 0.250 0.017 0.000 4341968 1-Nov-31 $385,276.05 60.25 0.250 0.017 0.108 4342123 1-Oct-31 $369,406.48 53.70 0.250 0.017 0.358 4342163 1-Dec-31 $335,000.00 63.81 0.250 0.017 0.983 4342166 1-Nov-31 $374,692.62 70.75 0.250 0.017 0.233 4342287 1-Nov-31 $484,592.54 57.53 0.250 0.017 0.108 4342352 1-Dec-31 $475,000.00 63.33 0.250 0.017 0.108 4342360 1-Nov-31 $327,724.44 53.33 0.250 0.017 0.108 4342386 1-Nov-31 $479,616.15 80.00 0.250 0.017 0.358 4342446 1-Nov-31 $418,664.93 67.58 0.250 0.017 0.358 4342583 1-Nov-31 $557,519.57 65.26 0.250 0.017 0.000 4342604 1-Nov-31 $410,663.10 49.82 0.250 0.017 0.233 4342683 1-Nov-31 $315,734.52 70.22 0.250 0.017 0.108 4342707 1-Nov-31 $549,537.93 53.10 0.250 0.017 0.108 4342709 1-Oct-31 $150,751.73 58.08 0.250 0.017 0.233 4342757 1-Dec-31 $400,000.00 47.90 0.250 0.017 0.233 4342858 1-Nov-31 $509,592.16 54.96 0.250 0.017 0.358 4342864 1-Nov-31 $309,739.56 58.49 0.250 0.017 0.108 4342909 1-Nov-31 $518,584.96 21.18 0.250 0.017 0.358 4342954 1-Nov-31 $849,320.27 48.57 0.250 0.017 0.358 4343097 1-Nov-31 $338,358.43 80.00 0.250 0.017 0.000 4343153 1-Nov-31 $451,638.54 64.57 0.250 0.017 0.358 4343234 1-Nov-31 $998,937.50 50.00 0.250 0.017 0.358 4343279 1-Nov-31 $334,725.41 53.60 0.250 0.017 0.233 4343339 1-Nov-31 $350,697.80 58.21 0.250 0.017 0.000 4343347 1-Nov-31 $399,655.61 61.54 0.250 0.017 0.000 4343685 1-Aug-31 $329,079.29 80.00 0.250 0.017 1.108 4343693 1-Nov-31 $328,630.40 62.65 0.250 0.017 0.233 4343700 1-Jul-31 $366,582.60 80.00 0.250 0.017 0.608 4343776 1-Nov-31 $332,043.87 58.82 0.250 0.017 0.000 4343829 1-Nov-31 $358,106.22 80.00 0.250 0.017 0.233 4344019 1-Nov-31 $484,902.20 63.44 0.250 0.017 0.233 4344045 1-Nov-31 $385,717.62 79.99 0.250 0.017 0.000 4344105 1-Nov-31 $507,583.59 56.44 0.250 0.017 0.233 4344495 1-Nov-31 $649,467.20 67.22 0.250 0.017 0.233 4344507 1-Nov-31 $421,586.89 54.79 0.250 0.017 0.733 4344620 1-Nov-31 $335,168.18 80.00 0.250 0.017 0.108 4344731 1-Nov-31 $379,688.52 63.60 0.250 0.017 0.233 4344829 1-Nov-31 $369,459.34 81.05 24 0.250 0.017 0.108 4344871 1-Oct-31 $743,414.04 70.00 0.250 0.017 0.000 4344968 1-Nov-31 $369,297.00 80.00 0.250 0.017 0.233 4344975 1-Nov-31 $429,638.74 65.15 0.250 0.017 0.108 4345147 1-Oct-31 $385,895.17 76.69 0.250 0.017 0.483 4345173 1-Nov-31 $308,752.89 63.71 0.250 0.017 0.358 4345188 1-Nov-31 $385,698.87 32.85 0.250 0.017 0.483 4345335 1-Nov-31 $395,667.31 51.10 0.250 0.017 0.108 4345339 1-Nov-31 $361,672.74 62.96 0.250 0.017 0.000 4345390 1-Nov-31 $639,462.32 80.00 0.250 0.017 0.108 4345446 1-Nov-31 $350,671.32 57.07 0.250 0.017 0.233 4345525 1-Nov-31 $410,679.38 69.66 0.250 0.017 0.483 4345637 1-Nov-31 $314,748.09 70.00 0.250 0.017 0.358 4345774 1-Oct-31 $319,447.43 36.99 0.250 0.017 0.000 4345801 1-Jul-31 $777,778.82 70.00 0.250 0.017 1.108 4345982 1-Nov-31 $412,701.08 46.93 0.250 0.017 0.858 4346188 1-Nov-31 $464,628.14 75.00 0.250 0.017 0.358 4346196 1-Nov-31 $475,609.83 80.00 0.250 0.017 0.233 4346362 1-Oct-31 $535,004.48 80.00 0.250 0.017 0.000 4346422 1-Oct-31 $334,399.29 79.99 0.250 0.017 0.233 4346427 1-Nov-31 $344,724.11 57.50 0.250 0.017 0.358 4346518 1-Nov-31 $505,824.68 75.00 0.250 0.017 0.108 4346566 1-Aug-31 $306,981.28 80.00 0.250 0.017 0.233 4346696 1-Aug-31 $354,789.05 78.07 0.250 0.017 0.733 4346749 1-Nov-31 $639,448.97 71.91 0.250 0.017 0.000 4346856 1-Nov-31 $389,664.21 69.64 0.250 0.017 0.000 4346923 1-Nov-31 $274,774.58 45.83 0.250 0.017 0.233 4346927 1-Dec-31 $310,000.00 51.67 0.250 0.017 0.000 4347024 1-Dec-31 $344,000.00 80.00 0.250 0.017 0.233 4347261 1-Nov-31 $999,180.31 64.53 0.250 0.017 0.233 4347292 1-Dec-31 $650,000.00 76.47 0.250 0.017 0.733 4347486 1-Jul-31 $380,429.16 62.91 0.250 0.017 0.733 4347575 1-Oct-31 $559,145.16 80.00 0.250 0.017 0.608 4347577 1-Nov-31 $470,004.80 70.00 0.250 0.017 0.108 4347608 1-Dec-31 $507,000.00 69.45 0.250 0.017 0.108 4347657 1-Nov-31 $359,704.91 67.29 0.250 0.017 0.233 4347759 1-Nov-31 $341,733.21 79.91 0.250 0.017 0.483 4347821 1-Oct-31 $379,375.22 80.00 0.250 0.017 0.233 4347868 1-Nov-31 $382,170.67 85.00 11 0.250 0.017 0.000 4347949 1-Nov-31 $491,606.55 39.30 0.250 0.017 0.358 4347988 1-Nov-31 $467,606.82 80.00 0.250 0.017 0.108 4348020 1-Nov-31 $429,638.74 56.36 0.250 0.017 0.108 4348103 1-Nov-31 $316,733.69 67.45 0.250 0.017 0.108 4348356 1-Nov-31 $499,569.50 34.48 0.250 0.017 0.000 4348414 1-Nov-31 $359,697.56 67.92 0.250 0.017 0.108 4348623 1-Nov-31 $319,028.15 68.09 0.250 0.017 0.108 4348747 1-Nov-31 $599,483.41 63.16 0.250 0.017 0.000 4348778 1-Dec-31 $330,000.00 56.12 0.250 0.017 0.108 4348854 1-Nov-31 $401,970.23 59.60 0.250 0.017 0.233 4348927 1-Nov-31 $494,783.96 80.00 0.250 0.017 0.108 4348931 1-Nov-31 $324,395.83 52.42 0.250 0.017 0.233 4348943 1-Nov-31 $367,698.35 60.33 0.250 0.017 0.233 4348961 1-Nov-31 $363,686.60 85.05 24 0.250 0.017 0.000 4349149 1-Oct-31 $449,260.11 68.81 0.250 0.017 0.233 4349181 1-Nov-31 $439,621.17 75.41 0.250 0.017 0.000 4349246 1-Nov-31 $449,621.95 79.65 0.250 0.017 0.108 4349283 1-Nov-31 $499,080.36 62.44 0.250 0.017 0.108 4349404 1-Nov-31 $649,467.20 65.52 0.250 0.017 0.233 4349420 1-Nov-31 $359,697.55 78.26 0.250 0.017 0.108 4349492 1-Oct-31 $339,412.87 61.93 0.250 0.017 0.000 4349516 1-Oct-31 $319,436.76 79.99 0.250 0.017 0.358 4349568 1-Nov-31 $429,638.74 39.81 0.250 0.017 0.108 4349638 1-Dec-21 $338,600.00 81.59 06 0.250 0.017 0.000 4349805 1-Nov-31 $374,700.11 75.00 0.250 0.017 0.358 4349807 1-Nov-31 $384,684.41 68.14 0.250 0.017 0.233 4349871 1-Nov-31 $499,590.15 33.33 0.250 0.017 0.233 4349884 1-Nov-31 $446,124.88 63.79 0.250 0.017 0.108 4349909 1-Nov-31 $683,866.10 48.89 0.250 0.017 0.483 4349945 1-Oct-31 $321,470.59 79.51 0.250 0.017 0.233 4350155 1-Dec-31 $266,000.00 70.00 0.250 0.017 0.358 4350208 1-Nov-31 $392,661.64 68.95 0.250 0.017 0.000 4350244 1-Aug-31 $422,697.51 80.00 0.250 0.017 0.608 4350301 1-Oct-31 $307,455.02 80.00 0.250 0.017 0.000 4350343 1-Nov-31 $480,181.07 86.05 GD 5YR 06 0.250 0.017 0.233 4350467 1-Dec-31 $560,000.00 75.68 0.250 0.017 0.108 4350482 1-Nov-31 $333,223.85 56.53 0.250 0.017 0.000 4350552 1-Nov-31 $508,572.38 59.88 0.250 0.017 0.108 4350561 1-Nov-31 $499,579.93 22.22 0.250 0.017 0.108 4350564 1-Nov-31 $437,622.89 79.99 0.250 0.017 0.000 4350580 1-Nov-31 $999,159.88 58.82 0.250 0.017 0.108 4350599 1-Dec-31 $340,000.00 66.02 0.250 0.017 0.483 4350640 1-Nov-31 $700,675.18 75.00 0.250 0.017 0.233 4350645 1-Nov-31 $594,500.12 70.00 0.250 0.017 0.108 4350672 1-Dec-31 $380,000.00 63.33 0.250 0.017 0.108 4350772 1-Aug-31 $380,527.46 80.00 0.250 0.017 0.608 4350839 1-Dec-31 $435,000.00 53.37 0.250 0.017 0.000 4350848 1-Nov-31 $515,876.79 54.06 0.250 0.017 0.233 4351077 1-Nov-31 $342,454.68 41.08 0.250 0.017 0.000 4351127 1-Nov-31 $369,689.15 67.27 0.250 0.017 0.108 4351181 1-Nov-31 $379,696.11 76.77 0.250 0.017 0.358 4351257 1-Nov-31 $374,692.61 78.95 0.250 0.017 0.233 4351475 1-Nov-31 $491,596.71 57.88 0.250 0.017 0.233 4351575 1-Oct-31 $564,071.05 73.86 0.250 0.017 0.233 4351673 1-Nov-31 $499,579.93 62.11 0.250 0.017 0.108 4351740 1-Nov-31 $331,267.71 60.29 0.250 0.017 0.108 4351750 1-Nov-31 $593,915.61 64.26 0.250 0.017 0.108 4351775 1-Nov-31 $359,726.06 80.00 0.250 0.017 0.608 4351792 1-Nov-31 $349,705.96 55.12 0.250 0.017 0.108 4352036 1-Nov-31 $339,721.30 62.96 0.250 0.017 0.233 4352040 1-Nov-31 $614,483.32 62.76 0.250 0.017 0.108 4352089 1-Nov-31 $331,727.87 45.79 0.250 0.017 0.233 4352133 1-Oct-31 $471,204.67 54.57 0.250 0.017 0.108 4352195 1-Nov-31 $395,667.31 56.57 0.250 0.017 0.108 4352292 1-Oct-31 $374,398.47 57.69 0.250 0.017 0.358 4352352 1-Nov-31 $589,479.45 73.75 0.250 0.017 0.000 4352392 1-Nov-31 $399,663.95 44.44 0.250 0.017 0.108 4352403 1-Sep-31 $334,137.52 69.79 0.250 0.017 0.108 4352474 1-Sep-31 $373,119.44 80.00 0.250 0.017 0.483 4352579 1-Sep-31 $518,834.99 80.00 0.250 0.017 0.733 4352609 1-Nov-31 $431,662.99 73.22 0.250 0.017 0.483 4352664 1-Oct-31 $605,027.92 60.60 0.250 0.017 0.358 4352686 1-Nov-31 $371,716.93 80.00 0.250 0.017 0.608 4352804 1-Nov-31 $493,574.67 51.46 GD 4YR 0.250 0.017 0.000 4352859 1-Nov-31 $899,243.89 56.60 0.250 0.017 0.108 4352950 1-Nov-31 $512,569.01 73.29 0.250 0.017 0.108 4352966 1-Nov-31 $448,132.36 69.00 0.250 0.017 0.233 4353241 1-Nov-31 $448,631.96 68.55 0.250 0.017 0.233 4353339 1-Nov-31 $454,645.05 68.94 0.250 0.017 0.483 4353408 1-Nov-31 $349,726.96 70.00 0.250 0.017 0.483 4353557 1-Nov-31 $384,676.55 67.54 0.250 0.017 0.108 4353841 1-Nov-31 $985,151.07 49.30 0.250 0.017 0.000 4353908 1-Nov-31 $446,574.47 77.74 0.250 0.017 0.108 4353952 1-Dec-31 $428,000.00 74.43 0.250 0.017 0.000 4354273 1-Nov-31 $416,649.66 62.71 0.250 0.017 0.108 4354302 1-Nov-31 $399,680.12 76.19 0.250 0.017 0.358 4354453 1-Nov-31 $369,711.36 68.52 0.250 0.017 0.483 4354589 1-Nov-31 $308,733.96 56.18 0.250 0.017 0.000 4354689 1-Nov-31 $517,583.42 79.99 0.250 0.017 0.233 4354842 1-Nov-31 $489,598.34 39.20 0.250 0.017 0.233 4355019 1-Nov-31 $339,747.67 62.39 0.250 0.017 0.733 4355027 1-Nov-31 $364,685.74 48.03 0.250 0.017 0.000 4355069 1-Nov-31 $421,645.47 60.29 0.250 0.017 0.108 4355203 1-Nov-31 $816,646.42 68.11 0.250 0.017 0.358 4355340 1-Dec-31 $350,000.00 65.42 0.250 0.017 0.000 4355456 1-Nov-31 $384,205.73 61.60 0.250 0.017 0.108 4355611 1-Nov-31 $466,807.49 80.00 0.250 0.017 0.108 4355949 1-Nov-31 $426,649.98 46.92 0.250 0.017 0.233 4355984 1-Nov-31 $399,663.95 44.94 0.250 0.017 0.108 4356062 1-Dec-31 $679,000.00 42.44 0.250 0.017 0.108 4356123 1-Nov-31 $674,511.45 45.00 0.250 0.017 0.858 4356255 1-Oct-31 $390,490.78 80.00 0.250 0.017 0.000 4356261 1-Nov-31 $352,717.71 69.22 0.250 0.017 0.358 4356300 1-Nov-31 $311,737.88 74.29 0.250 0.017 0.108 4356427 1-Nov-31 $342,689.40 72.21 0.250 0.017 0.108 4356542 1-Nov-31 $329,942.41 80.00 0.250 0.017 0.483 4356651 1-Nov-31 $315,734.52 55.63 0.250 0.017 0.108 4356678 1-Nov-31 $493,584.98 58.12 0.250 0.017 0.108 4356741 1-Nov-31 $649,453.92 54.17 0.250 0.017 0.108 4356745 1-Dec-31 $543,000.00 74.90 0.250 0.017 0.108 4356797 1-Nov-31 $422,336.06 66.57 0.250 0.017 0.000 4356844 1-Nov-31 $998,201.11 41.63 0.250 0.017 0.358 4356910 1-Nov-31 $479,586.72 43.22 0.250 0.017 0.000 4356998 1-Nov-31 $409,663.93 73.21 0.250 0.017 0.233 4357007 1-Nov-31 $361,724.55 64.64 0.250 0.017 0.608 4357020 1-Nov-31 $359,697.56 60.00 0.250 0.017 0.108 4357078 1-Oct-31 $336,971.86 90.00 33 0.250 0.017 0.483 4357169 1-Nov-31 $535,810.44 75.00 0.250 0.017 0.233 4357297 1-Nov-31 $346,722.50 52.18 0.250 0.017 0.358 4357385 1-Nov-21 $369,289.72 66.07 0.250 0.017 0.233 4357485 1-Oct-31 $323,505.40 80.00 0.250 0.017 0.608 4357501 1-Nov-31 $899,243.89 59.80 0.250 0.017 0.108 4357649 1-Nov-31 $526,557.25 63.11 0.250 0.017 0.108 4357669 1-Nov-31 $494,094.65 77.27 0.250 0.017 0.233 4357710 1-Nov-31 $409,646.99 72.57 0.250 0.017 0.000 4357814 1-Nov-31 $374,677.14 42.22 0.250 0.017 0.000 4357854 1-Nov-31 $453,618.59 60.53 0.250 0.017 0.108 4357954 1-Nov-31 $349,698.65 76.09 0.250 0.017 0.000 4357964 1-Dec-31 $371,000.00 71.76 0.250 0.017 0.000 4358085 1-Nov-31 $346,715.57 66.73 0.250 0.017 0.233 4358100 1-Dec-31 $320,000.00 64.65 0.250 0.017 0.233 4358122 1-Nov-31 $414,651.34 69.17 0.250 0.017 0.108 4358154 1-Oct-31 $331,354.31 80.00 0.250 0.017 0.233 4358157 1-Apr-31 $367,396.26 95.00 24 0.250 0.017 0.733 4358159 1-Dec-31 $450,000.00 51.72 0.250 0.017 0.108 4358160 1-Nov-31 $332,513.29 49.33 0.250 0.017 0.000 4358221 1-Nov-31 $394,676.22 71.95 0.250 0.017 0.233 4358314 1-Oct-31 $488,196.00 78.24 0.250 0.017 0.233 4358353 1-Nov-31 $349,713.11 47.95 0.250 0.017 0.233 4358364 1-Nov-31 $476,618.55 56.12 0.250 0.017 0.358 4358483 1-Nov-31 $338,708.13 69.18 0.250 0.017 0.000 4358522 1-Nov-31 $454,617.74 59.48 0.250 0.017 0.108 4358534 1-Nov-31 $976,199.16 65.13 0.250 0.017 0.233 4358637 1-Nov-31 $799,327.89 29.09 0.250 0.017 0.108 4358692 1-Oct-31 $649,032.21 75.14 0.250 0.017 0.733 4358783 1-Nov-31 $341,726.51 60.00 0.250 0.017 0.358 4358804 1-Oct-31 $411,787.69 66.00 0.250 0.017 0.000 4358807 1-Nov-31 $385,683.60 45.15 0.250 0.017 0.233 4358824 1-Nov-31 $335,731.31 80.00 0.250 0.017 0.358 4358874 1-Nov-31 $359,690.05 66.67 0.250 0.017 0.000 4359277 1-Nov-31 $599,495.92 38.31 0.250 0.017 0.108 4359290 1-Nov-31 $305,037.14 66.37 0.250 0.017 0.000 4359462 1-Nov-31 $349,698.65 49.58 0.250 0.017 0.000 4359483 1-Nov-31 $366,684.02 38.63 0.250 0.017 0.000 4359517 1-Nov-31 $349,705.95 43.91 0.250 0.017 0.108 4359525 1-Nov-31 $499,609.95 32.09 0.250 0.017 0.483 4359529 1-Nov-31 $497,102.16 61.80 0.250 0.017 0.358 4359542 1-Oct-31 $465,502.09 68.67 0.250 0.017 0.358 4359867 1-Dec-31 $427,500.00 79.98 0.250 0.017 0.233 4359895 1-Oct-31 $906,431.81 67.26 0.250 0.017 0.000 4359938 1-Nov-31 $599,531.94 44.12 0.250 0.017 0.483 4359952 1-Nov-31 $804,140.14 67.08 0.250 0.017 0.233 4360003 1-Dec-31 $340,000.00 41.21 0.250 0.017 0.108 4360076 1-Nov-31 $332,733.70 85.82 01 0.250 0.017 0.358 4360189 1-Nov-31 $694,416.11 56.05 0.250 0.017 0.108 4360197 1-Nov-31 $617,427.61 37.45 0.250 0.017 0.000 4360217 1-Nov-31 $327,717.59 80.00 0.250 0.017 0.000 4360309 1-Nov-31 $403,676.93 80.00 0.250 0.017 0.358 4360548 1-Nov-31 $397,681.73 64.19 0.250 0.017 0.358 4360552 1-Nov-31 $456,834.38 61.37 0.250 0.017 0.358 4360593 1-Nov-31 $ 75,940.71 64.96 0.250 0.017 0.483 4360637 1-Nov-31 $529,483.88 79.99 0.250 0.017 0.000 4360689 1-Nov-31 $389,872.18 46.73 0.250 0.017 0.108 4360843 1-Nov-31 $327,724.44 59.64 0.250 0.017 0.108 4360931 1-Nov-31 $329,748.89 51.56 0.250 0.017 0.608 4360936 1-Oct-31 $349,452.28 49.30 0.250 0.017 0.483 4361207 1-Nov-31 $399,655.60 44.44 0.250 0.017 0.000 4361307 1-Nov-31 $514,577.86 47.91 0.250 0.017 0.233 4361332 1-Nov-31 $389,672.36 65.00 0.250 0.017 0.108 4361392 1-Dec-21 $445,580.00 62.11 0.250 0.017 0.000 4361462 1-Nov-31 $349,698.65 64.34 0.250 0.017 0.000 4361474 1-Nov-31 $379,688.52 66.09 0.250 0.017 0.233 4361506 1-Oct-31 $462,774.67 87.03 13 0.250 0.017 0.483 4361656 1-Dec-31 $367,600.00 80.00 0.250 0.017 0.108 4361751 1-Dec-31 $560,000.00 80.00 0.250 0.017 0.000 4361951 1-Dec-31 $396,000.00 80.00 0.250 0.017 0.233 4362114 1-Dec-31 $530,000.00 69.74 0.250 0.017 0.233 4362165 1-Dec-31 $100,000.00 40.00 0.250 0.017 0.233 4362203 1-Nov-31 $518,906.56 69.33 0.250 0.017 0.233 4362225 1-Dec-31 $630,000.00 70.00 0.250 0.017 0.108 4362340 1-Nov-31 $449,612.55 75.00 0.250 0.017 0.000 4362342 1-Nov-21 $394,729.18 51.70 0.250 0.017 0.108 4362373 1-Nov-31 $381,671.10 78.60 0.250 0.017 0.000 4362423 1-Nov-31 $649,440.36 68.42 0.250 0.017 0.000 4362528 1-Nov-21 $359,298.37 47.06 0.250 0.017 0.108 4362538 1-Dec-31 $710,000.00 64.55 0.250 0.017 0.233 4362541 1-Nov-31 $524,569.66 69.91 0.250 0.017 0.233 4362542 1-Nov-31 $499,590.15 73.53 0.250 0.017 0.233 4362548 1-Oct-31 $471,603.98 80.00 0.250 0.017 0.108 4362675 1-Nov-31 $481,595.06 73.03 0.250 0.017 0.108 4362769 1-Nov-31 $392,669.82 70.18 0.250 0.017 0.108 4362830 1-Nov-31 $649,453.92 54.17 0.250 0.017 0.108 4362941 1-Dec-31 $312,800.00 60.15 0.250 0.017 0.233 4362957 1-Nov-31 $507,551.80 80.00 0.250 0.017 0.000 4362960 1-Dec-31 $325,000.00 55.56 0.250 0.017 0.000 4363147 1-Nov-31 $622,463.61 70.00 0.250 0.017 0.000 4363315 1-Nov-31 $385,933.38 73.57 0.250 0.017 0.233 4363374 1-Nov-31 $349,705.95 79.55 0.250 0.017 0.108 4363409 1-Nov-31 $469,614.74 71.43 0.250 0.017 0.233 4363433 1-Nov-31 $999,139.01 62.50 0.250 0.017 0.000 4363512 1-Dec-31 $505,600.00 79.87 0.250 0.017 0.108 4363519 1-Dec-31 $367,000.00 74.90 0.250 0.017 0.233 4363527 1-Dec-31 $331,182.00 70.46 0.250 0.017 0.108 4363634 1-Nov-31 $324,726.96 55.09 0.250 0.017 0.108 4363702 1-Dec-31 $450,000.00 43.90 0.250 0.017 0.000 4363770 1-Dec-31 $450,000.00 64.29 0.250 0.017 0.233 4363815 1-Nov-31 $337,716.04 77.70 0.250 0.017 0.108 4363874 1-Nov-31 $320,249.98 61.63 0.250 0.017 0.483 4363880 1-Nov-21 $389,128.53 64.98 0.250 0.017 0.000 4363905 1-Nov-31 $370,695.89 48.18 0.250 0.017 0.233 4363959 1-Nov-31 $325,052.47 94.98 33 0.250 0.017 0.608 4363968 1-Dec-31 $350,000.00 50.00 0.250 0.017 0.108 4364133 1-Dec-31 $415,448.00 31.96 0.250 0.017 0.000 4364138 1-Nov-31 $649,440.36 73.03 0.250 0.017 0.000 4364211 1-Nov-31 $452,419.59 57.32 0.250 0.017 0.108 4364251 1-Nov-31 $375,556.46 32.17 0.250 0.017 0.108 4364257 1-Dec-31 $650,000.00 78.31 0.250 0.017 0.000 4364265 1-Nov-31 $406,358.32 70.00 0.250 0.017 0.108 4364396 1-Nov-31 $388,165.50 62.66 0.250 0.017 0.000 4364445 1-Nov-31 $503,566.06 80.00 0.250 0.017 0.000 4364510 1-Nov-31 $274,774.58 50.00 0.250 0.017 0.233 4364547 1-Nov-31 $597,097.94 80.00 0.250 0.017 0.108 4364593 1-Nov-31 $459,613.54 39.48 0.250 0.017 0.108 4364618 1-Dec-31 $401,883.00 52.88 0.250 0.017 0.483 4364621 1-Nov-31 $342,112.35 80.00 0.250 0.017 0.108 4364787 1-Nov-31 $561,516.12 74.63 GD 3YR 0.250 0.017 0.000 4364803 1-Dec-31 $350,000.00 33.88 0.250 0.017 0.233 4364860 1-Dec-31 $455,500.00 56.23 0.250 0.017 0.108 4364866 1-Nov-31 $352,203.86 79.99 0.250 0.017 0.108 4364871 1-Oct-31 $340,175.83 79.99 0.250 0.017 0.108 4365093 1-Nov-31 $364,685.74 73.00 0.250 0.017 0.000 4365156 1-Nov-31 $569,532.77 50.44 0.250 0.017 0.233 4365228 1-Nov-31 $426,632.36 61.88 0.250 0.017 0.000 4365271 1-Dec-31 $553,250.00 62.87 0.250 0.017 0.000 4365306 1-Nov-31 $374,049.78 64.96 0.250 0.017 0.108 4365317 1-Dec-31 $355,000.00 59.87 0.250 0.017 0.000 4365341 1-Nov-31 $367,689.83 80.00 0.250 0.017 0.108 4365371 1-Nov-21 $302,676.64 52.28 0.250 0.017 0.358 4365401 1-Nov-31 $649,440.36 48.15 0.250 0.017 0.000 4365410 1-Nov-31 $423,643.79 80.00 0.250 0.017 0.108 4365414 1-Nov-31 $525,547.12 65.75 0.250 0.017 0.000 4365473 1-Dec-31 $632,000.00 37.18 0.250 0.017 0.233 4365492 1-Nov-31 $520,583.36 79.54 0.250 0.017 0.358 4365513 1-Nov-31 $319,731.15 71.11 0.250 0.017 0.108 4365517 1-Dec-31 $442,000.00 49.66 0.250 0.017 0.108 4365537 1-Nov-31 $399,655.61 52.29 0.250 0.017 0.000 4365553 1-Nov-31 $329,722.76 56.41 0.250 0.017 0.108 4365584 1-Nov-31 $499,569.50 25.00 0.250 0.017 0.000 4365710 1-Nov-31 $179,848.77 60.00 0.250 0.017 0.108 4365986 1-Nov-31 $334,318.90 49.57 0.250 0.017 0.108 4366028 1-Oct-31 $337,221.76 95.00 01 0.250 0.017 0.983 4366139 1-Nov-31 $360,718.38 65.28 0.250 0.017 0.483 4366193 1-Oct-31 $648,957.33 79.03 0.250 0.017 0.358 4366230 1-Nov-31 $384,676.55 66.96 0.250 0.017 0.108 4366301 1-Nov-31 $317,739.34 88.33 11 0.250 0.017 0.233 4366452 1-Nov-31 $379,688.52 65.07 0.250 0.017 0.233 4366775 1-Nov-31 $499,579.93 51.02 0.250 0.017 0.108 4366781 1-Dec-31 $400,000.00 78.74 0.250 0.017 0.233 4366782 1-Dec-31 $385,000.00 66.96 0.250 0.017 0.000 4366891 1-Nov-31 $384,668.52 79.38 0.250 0.017 0.000 4366899 1-Dec-31 $969,500.00 70.00 0.250 0.017 0.108 4366939 1-Nov-31 $649,453.92 77.38 0.250 0.017 0.108 4366986 1-Nov-31 $376,675.42 71.81 0.250 0.017 0.000 4367018 1-Nov-31 $399,655.60 51.61 0.250 0.017 0.000 4367222 1-Nov-31 $375,684.11 80.00 0.250 0.017 0.108 4367233 1-Nov-31 $454,118.16 57.17 0.250 0.017 0.108 4367234 1-Nov-31 $879,242.33 58.67 0.250 0.017 0.000 4367247 1-Nov-31 $596,510.64 39.80 0.250 0.017 0.233 4367270 1-Nov-31 $333,312.77 69.94 0.250 0.017 0.000 4367520 1-Nov-31 $399,647.08 42.60 0.250 0.017 0.000 4367523 1-Nov-31 $349,726.96 72.92 0.250 0.017 0.483 4367559 1-Nov-31 $450,602.10 61.57 0.250 0.017 0.000 4367587 1-Nov-31 $374,177.56 70.00 0.250 0.017 0.000 4367588 1-Nov-31 $432,728.67 33.31 0.250 0.017 0.358 4367633 1-Nov-31 $355,693.49 76.07 0.250 0.017 0.000 4367644 1-Dec-31 $425,000.00 70.25 0.250 0.017 0.108 4367708 1-Oct-31 $374,383.45 64.37 0.250 0.017 0.233 4367761 1-Dec-31 $409,000.00 64.41 0.250 0.017 0.000 4367768 1-Dec-31 $490,000.00 70.00 0.250 0.017 0.233 4367808 1-Nov-31 $649,467.20 77.38 0.250 0.017 0.233 4367830 1-Nov-31 $424,634.09 68.00 0.250 0.017 0.000 4367857 1-Dec-31 $345,200.00 70.45 GD 4YR 0.250 0.017 0.108 4367883 1-Nov-31 $351,704.28 78.22 0.250 0.017 0.108 4367909 1-Dec-31 $331,000.00 64.27 0.250 0.017 0.233 4367939 1-Nov-31 $549,537.93 56.41 0.250 0.017 0.108 4368009 1-Nov-31 $307,747.54 80.00 0.250 0.017 0.233 4368017 1-Dec-31 $910,000.00 70.00 0.250 0.017 0.000 4368085 1-Nov-31 $ 89,922.51 75.00 0.250 0.017 0.000 4368113 1-Nov-31 $439,621.16 52.38 0.250 0.017 0.000 4368133 1-Nov-31 $799,311.21 45.71 0.250 0.017 0.000 4368137 1-Nov-31 $447,623.62 80.00 0.250 0.017 0.108 4368145 1-Nov-31 $444,607.39 67.42 0.250 0.017 0.000 4368154 1-Nov-31 $350,705.11 54.42 0.250 0.017 0.108 4368166 1-Nov-31 $534,539.38 69.48 0.250 0.017 0.000 4368195 1-Nov-31 $419,664.13 70.00 0.250 0.017 0.358 4368201 1-Nov-31 $348,699.52 41.55 0.250 0.017 0.000 4368282 1-Dec-31 $362,500.00 74.74 0.250 0.017 0.233 4368293 1-Nov-31 $359,704.91 45.00 0.250 0.017 0.233 4368300 1-Nov-31 $479,116.54 70.00 0.250 0.017 0.358 4368391 1-Oct-31 $383,352.93 59.53 0.250 0.017 0.108 4368449 1-Nov-31 $499,558.86 46.51 0.250 0.017 0.000 4368523 1-Nov-31 $308,253.29 54.60 0.250 0.017 0.358 4368526 1-Dec-31 $357,000.00 68.79 0.250 0.017 0.108 4368536 1-Nov-31 $349,698.65 65.42 0.250 0.017 0.000 4368634 1-Dec-31 $330,000.00 55.00 0.250 0.017 0.483 4368743 1-Nov-31 $357,706.54 69.51 0.250 0.017 0.233 4368754 1-Nov-31 $380,256.32 66.42 0.250 0.017 0.000 4368758 1-Nov-31 $349,713.11 57.38 0.250 0.017 0.233 4368859 1-Nov-31 $361,877.42 79.79 0.250 0.017 0.108 4368994 1-Nov-31 $397,166.05 65.70 0.250 0.017 0.108 4369110 1-Nov-31 $362,124.24 80.00 0.250 0.017 0.608 4369144 1-Nov-31 $626,460.16 55.73 0.250 0.017 0.000 4369228 1-Nov-31 $601,481.68 53.51 0.250 0.017 0.000 4369310 1-Nov-31 $474,591.04 50.00 0.250 0.017 0.000 4369320 1-Nov-31 $475,590.17 80.00 0.250 0.017 0.000 4369334 1-Nov-31 $423,634.94 80.00 0.250 0.017 0.000 4369440 1-Nov-31 $367,633.15 80.00 0.250 0.017 0.000 4369544 1-Nov-31 $439,630.34 80.00 0.250 0.017 0.108 4369548 1-Nov-31 $337,209.42 90.00 24 0.250 0.017 0.000 4369550 1-Dec-31 $415,800.00 74.25 0.250 0.017 0.000 4369553 1-Nov-31 $464,609.34 55.69 0.250 0.017 0.108 4369571 1-Nov-31 $449,666.03 72.58 0.250 0.017 0.733 4369627 1-Nov-31 $302,745.45 87.83 24 0.250 0.017 0.108 4369673 1-Nov-31 $479,596.74 80.00 0.250 0.017 0.108 4369857 1-Nov-31 $304,717.50 76.25 0.250 0.017 0.000 4369883 1-Nov-31 $374,692.61 75.00 0.250 0.017 0.233 4369943 1-Dec-31 $342,000.00 54.72 0.250 0.017 0.233 4370039 1-Dec-31 $340,000.00 40.00 0.250 0.017 0.233 4370043 1-Nov-31 $311,737.88 32.16 0.250 0.017 0.108 4370055 1-Nov-31 $349,705.95 35.18 0.250 0.017 0.108 4370057 1-Nov-31 $874,282.77 21.88 0.250 0.017 0.233 4370212 1-Nov-31 $573,889.20 80.00 0.250 0.017 0.233 4370274 1-Oct-31 $360,491.52 89.99 13 0.250 0.017 0.108 4370321 1-Nov-31 $594,487.72 70.00 0.250 0.017 0.000 4370399 1-Nov-31 $649,017.57 65.12 0.250 0.017 0.233 4370521 1-Nov-31 $375,034.66 77.39 0.250 0.017 0.108 4370760 1-Nov-31 $473,039.78 47.34 0.250 0.017 0.608 4370773 1-Nov-31 $799,360.25 50.00 0.250 0.017 0.358 4370799 1-Nov-31 $519,551.43 69.93 0.250 0.017 0.000 4370800 1-Sep-31 $331,212.69 80.00 0.250 0.017 0.483 4370971 1-Nov-31 $565,524.49 64.76 0.250 0.017 0.108 4371005 1-Nov-31 $455,007.91 59.92 0.250 0.017 0.000 4371017 1-Nov-31 $326,725.28 54.50 0.250 0.017 0.108 4371027 1-Nov-31 $649,480.20 44.83 0.250 0.017 0.358 4371041 1-Nov-31 $389,664.22 74.29 0.250 0.017 0.000 4371047 1-Nov-31 $629,483.59 74.56 0.250 0.017 0.233 4371168 1-Nov-31 $525,558.09 53.67 0.250 0.017 0.108 4371205 1-Dec-31 $393,000.00 63.39 0.250 0.017 0.108 4371278 1-Nov-31 $803,324.54 59.56 0.250 0.017 0.108 4371334 1-Nov-31 $449,612.55 49.45 0.250 0.017 0.000 4371356 1-Nov-31 $495,572.95 80.00 0.250 0.017 0.000 4371422 1-Nov-31 $368,319.52 95.00 01 0.250 0.017 0.608 4371435 1-Dec-31 $350,000.00 65.42 0.250 0.017 0.000 4371458 1-Nov-31 $305,742.92 52.76 0.250 0.017 0.108 4371484 1-Nov-31 $369,289.49 74.95 0.250 0.017 0.108 4371486 1-Nov-31 $307,741.23 77.39 0.250 0.017 0.108 4371528 1-Nov-31 $301,081.93 95.00 13 0.250 0.017 0.858 4371578 1-Nov-31 $377,712.36 70.00 0.250 0.017 0.608 4371580 1-Nov-31 $379,680.75 57.14 0.250 0.017 0.108 4371601 1-Nov-31 $496,602.55 70.00 0.250 0.017 0.358 4371604 1-Nov-31 $373,700.92 58.81 0.250 0.017 0.358 4371711 1-Nov-31 $376,175.83 50.20 0.250 0.017 0.000 4371723 1-Nov-31 $345,309.65 80.00 0.250 0.017 0.108 4371769 1-Nov-31 $339,728.10 48.09 0.250 0.017 0.358 4371793 1-Dec-31 $385,000.00 77.78 0.250 0.017 0.233 4371813 1-Nov-31 $590,890.82 53.76 0.250 0.017 0.000 4371888 1-Nov-31 $469,605.14 65.28 0.250 0.017 0.108 4371946 1-Nov-31 $338,715.20 42.38 0.250 0.017 0.108 4371964 1-Dec-31 $340,000.00 69.39 0.250 0.017 0.108 4372005 1-Nov-31 $377,690.15 74.85 0.250 0.017 0.233 4372254 1-Nov-31 $600,887.05 57.27 0.250 0.017 0.233 4372303 1-Nov-31 $135,683.08 94.31 06 0.250 0.017 0.000 4372333 1-Dec-31 $325,000.00 68.42 0.250 0.017 0.108 4372341 1-Oct-31 $681,529.10 75.94 0.250 0.017 0.608 4372503 1-Nov-31 $598,532.72 54.45 0.250 0.017 0.483 4372538 1-Nov-31 $367,183.59 70.00 0.250 0.017 0.000 4372704 1-Dec-31 $323,000.00 41.15 0.250 0.017 0.108 4372917 1-Nov-31 $644,444.67 69.73 0.250 0.017 0.000 4372935 1-Nov-31 $505,245.64 71.51 0.250 0.017 0.358 4372995 1-Nov-31 $409,647.00 57.75 0.250 0.017 0.000 4372998 1-Dec-31 $535,000.00 69.03 0.250 0.017 0.108 4373093 1-Oct-31 $309,801.75 89.99 11 0.250 0.017 0.000 4373241 1-Nov-31 $959,193.48 40.00 0.250 0.017 0.108 4373243 1-Nov-31 $369,696.71 74.00 0.250 0.017 0.233 4373328 1-Dec-31 $460,000.00 56.10 0.250 0.017 0.108 4373423 1-Dec-31 $353,500.00 44.19 0.250 0.017 0.000 4373523 1-Nov-31 $564,536.87 33.24 0.250 0.017 0.233 4373546 1-Nov-31 $567,393.82 80.00 0.250 0.017 0.233 4373679 1-Dec-31 $470,000.00 75.81 0.250 0.017 0.000 4373682 1-Nov-31 $429,638.74 68.25 0.250 0.017 0.108 4373690 1-Dec-31 $457,000.00 57.27 0.250 0.017 0.000 4373703 1-Nov-31 $624,474.92 55.21 0.250 0.017 0.108 4373820 1-Nov-31 $389,680.32 67.47 0.250 0.017 0.233 4373842 1-Nov-31 $328,243.74 75.00 0.250 0.017 0.483 4373891 1-Nov-31 $599,483.41 79.47 0.250 0.017 0.000 4373895 1-Dec-31 $675,500.00 70.00 0.250 0.017 0.000 4373958 1-Nov-31 $386,298.41 79.99 0.250 0.017 0.483 4374023 1-Dec-21 $433,468.00 43.35 0.250 0.017 0.000 4374024 1-Nov-31 $423,677.36 75.71 0.250 0.017 0.608 4374040 1-Nov-31 $384,692.12 59.69 0.250 0.017 0.358 4374067 1-Nov-31 $308,733.96 61.19 0.250 0.017 0.000 4374072 1-Oct-31 $329,443.92 59.46 0.250 0.017 0.108 4374074 1-Nov-31 $344,702.96 45.10 0.250 0.017 0.000 4374078 1-Dec-31 $650,000.00 78.79 0.250 0.017 0.233 4374105 1-Nov-31 $389,664.21 19.50 0.250 0.017 0.000 4374156 1-Nov-31 $467,411.18 71.17 0.250 0.017 0.000 4374163 1-Nov-31 $479,625.55 80.00 0.250 0.017 0.483 4374234 1-Nov-31 $324,720.18 67.01 0.250 0.017 0.000 4374239 1-Nov-31 $499,579.94 68.49 0.250 0.017 0.108 4374395 1-Nov-31 $426,832.18 58.12 0.250 0.017 0.000 4374511 1-Nov-31 $335,717.71 42.00 0.250 0.017 0.108 4374528 1-Dec-21 $340,000.00 69.39 0.250 0.017 0.233 4374577 1-Oct-31 $332,742.58 74.90 0.250 0.017 0.608 4374647 1-Nov-31 $639,848.62 53.37 0.250 0.017 0.000 4374652 1-Nov-31 $646,956.03 70.00 0.250 0.017 0.108 4374667 1-Nov-31 $649,453.92 68.42 0.250 0.017 0.108 4374751 1-Dec-31 $489,930.00 70.00 0.250 0.017 0.108 4374774 1-Nov-31 $549,514.74 32.56 0.250 0.017 0.000 4374882 1-Nov-31 $414,651.34 41.50 0.250 0.017 0.108 4374884 1-Nov-31 $419,638.38 66.14 0.250 0.017 0.000 4374905 1-Dec-31 $328,500.00 53.50 0.250 0.017 0.608 4374973 1-Dec-31 $750,000.00 69.77 0.250 0.017 0.108 4375042 1-Nov-31 $591,502.65 62.98 0.250 0.017 0.108 4375058 1-Dec-31 $340,000.00 73.12 0.250 0.017 0.108 4375107 1-Nov-31 $374,677.13 94.94 24 0.250 0.017 0.000 4375401 1-Nov-31 $426,909.11 64.74 0.250 0.017 0.000 4375414 1-Nov-31 $361,680.62 65.34 0.250 0.017 0.000 4375453 1-Dec-31 $580,500.00 75.00 0.250 0.017 0.000 4375463 1-Nov-31 $444,626.14 64.49 0.250 0.017 0.108 4375546 1-Nov-31 $693,416.95 49.57 0.250 0.017 0.108 4375561 1-Nov-31 $398,656.47 89.86 13 0.250 0.017 0.000 4375595 1-Nov-21 $324,356.94 60.75 0.250 0.017 0.000 4375652 1-Nov-31 $379,688.52 50.33 0.250 0.017 0.233 4375776 1-Nov-31 $527,567.20 50.29 0.250 0.017 0.233 4375779 1-Nov-31 $341,712.68 68.40 0.250 0.017 0.108 4375817 1-Nov-31 $365,684.88 68.93 0.250 0.017 0.000 4375843 1-Nov-31 $519,573.76 80.00 0.250 0.017 0.233 4375931 1-Dec-31 $488,000.00 80.00 0.250 0.017 0.000 4375957 1-Nov-31 $373,186.21 48.19 0.250 0.017 0.108 4375974 1-Nov-31 $437,183.35 48.61 0.250 0.017 0.858 4376010 1-Nov-31 $359,605.00 80.00 0.250 0.017 0.233 4376011 1-Oct-31 $362,118.18 90.00 11 0.250 0.017 0.358 4376017 1-Nov-31 $333,726.21 69.01 0.250 0.017 0.233 4376032 1-Nov-31 $374,692.61 60.00 0.250 0.017 0.233 4376040 1-Nov-31 $418,057.04 79.99 0.250 0.017 0.233 4376131 1-Dec-31 $314,500.00 74.00 0.250 0.017 0.108 4376173 1-Nov-31 $374,677.13 69.44 0.250 0.017 0.000 4376247 1-Nov-31 $384,684.41 70.00 0.250 0.017 0.233 4376286 1-Nov-31 $351,147.41 80.00 0.250 0.017 0.000 4376329 1-Dec-31 $383,000.00 58.47 0.250 0.017 0.108 4376363 1-Dec-31 $505,000.00 69.66 0.250 0.017 0.000 4376392 1-Nov-31 $385,168.09 64.25 0.250 0.017 0.000 4376399 1-Nov-31 $395,059.57 69.98 0.250 0.017 0.000 4376409 1-Nov-31 $377,674.54 70.00 0.250 0.017 0.000 4376414 1-Oct-31 $411,821.79 75.00 0.250 0.017 0.233 4376429 1-Nov-31 $379,680.75 62.81 0.250 0.017 0.108 4376473 1-Dec-31 $322,201.00 70.04 0.250 0.017 0.358 4376541 1-Dec-31 $900,000.00 64.29 0.250 0.017 0.000 4376578 1-Dec-31 $640,000.00 80.00 0.250 0.017 0.108 4376592 1-Nov-31 $449,578.13 66.67 0.250 0.017 0.108 4376692 1-Nov-31 $426,632.36 56.18 0.250 0.017 0.000 4376804 1-Nov-31 $427,631.50 57.07 0.250 0.017 0.000 4376907 1-Dec-31 $999,000.00 69.86 0.250 0.017 0.358 4376932 1-May-31 $333,385.75 90.00 11 0.250 0.017 0.483 4377002 1-Dec-31 $525,000.00 70.00 0.250 0.017 0.108 4377063 1-Dec-31 $425,000.00 69.11 0.250 0.017 0.000 4377145 1-Nov-31 $469,095.77 74.52 0.250 0.017 0.000 4377205 1-Dec-31 $335,000.00 51.54 0.250 0.017 0.108 4377258 1-Dec-31 $468,000.00 65.00 0.250 0.017 0.108 4377346 1-Dec-31 $880,000.00 54.32 0.250 0.017 0.108 4377406 1-Dec-31 $560,000.00 67.07 0.250 0.017 0.108 4377432 1-Dec-31 $390,000.00 74.29 0.250 0.017 0.000 4377535 1-Nov-31 $311,717.94 76.28 0.250 0.017 0.000 4377547 1-Nov-31 $367,683.15 80.00 0.250 0.017 0.000 4377574 1-Dec-31 $562,300.00 72.55 0.250 0.017 0.108 4377581 1-Dec-31 $470,000.00 62.67 0.250 0.017 0.000 4377652 1-Nov-31 $367,198.76 70.00 0.250 0.017 0.233 4377772 1-Nov-31 $632,954.57 43.69 0.250 0.017 0.000 4377785 1-Nov-31 $306,754.49 47.60 0.250 0.017 0.358 4377889 1-Dec-31 $525,000.00 66.71 0.250 0.017 0.000 4377980 1-Nov-31 $409,672.13 79.15 0.250 0.017 0.358 4377985 1-Nov-31 $344,710.16 67.65 0.250 0.017 0.108 4378090 1-Nov-31 $399,663.95 79.21 0.250 0.017 0.108 4378195 1-Nov-31 $316,727.07 66.74 0.250 0.017 0.000 4378205 1-Nov-31 $395,650.61 75.72 0.250 0.017 0.000 4378260 1-Nov-31 $539,535.07 80.00 0.250 0.017 0.000 4378268 1-Nov-31 $588,505.16 35.70 0.250 0.017 0.108 4378310 1-Dec-31 $392,400.00 71.35 0.250 0.017 0.000 4378682 1-Nov-31 $353,650.21 83.27 24 0.250 0.017 0.983 4378686 1-Nov-31 $349,698.65 62.39 0.250 0.017 0.000 4378704 1-Dec-31 $305,000.00 70.60 0.250 0.017 0.108 4378755 1-Nov-31 $359,719.16 64.86 0.250 0.017 0.483 4378758 1-Nov-31 $458,587.50 35.38 0.250 0.017 0.000 4378772 1-Dec-31 $444,000.00 80.00 0.250 0.017 0.108 4378842 1-Nov-31 $999,159.88 65.79 0.250 0.017 0.108 4378870 1-Nov-31 $359,697.56 72.51 0.250 0.017 0.108 4378882 1-Nov-31 $324,720.19 77.38 0.250 0.017 0.000 4378910 1-Nov-31 $594,487.72 66.48 0.250 0.017 0.000 4378957 1-Dec-31 $420,000.00 84.85 11 0.250 0.017 0.108 4379008 1-Nov-31 $361,688.32 70.98 0.250 0.017 0.000 4379069 1-Nov-31 $477,348.63 75.00 0.250 0.017 0.108 4379083 1-Oct-31 $533,164.34 80.00 0.250 0.017 0.483 4379118 1-Nov-31 $318,744.89 79.95 0.250 0.017 0.358 4379201 1-Nov-31 $348,727.74 65.85 0.250 0.017 0.483 4379238 1-Nov-31 $649,440.36 67.71 0.250 0.017 0.000 4379297 1-Nov-31 $649,467.20 64.68 0.250 0.017 0.233 4379309 1-Dec-31 $345,000.00 47.59 0.250 0.017 0.108 4379332 1-Nov-31 $412,653.03 42.36 0.250 0.017 0.108 4379355 1-Nov-31 $349,698.65 52.63 0.250 0.017 0.000 4379360 1-Dec-31 $454,000.00 62.62 0.250 0.017 0.000 4379474 1-Nov-31 $577,526.22 72.25 0.250 0.017 0.233 4379476 1-Nov-31 $334,732.10 66.34 0.250 0.017 0.358 4379479 1-Nov-31 $419,647.14 66.67 0.250 0.017 0.108 4379532 1-Oct-31 $356,383.53 78.12 0.250 0.017 0.000 4379615 1-Nov-31 $349,713.11 63.64 0.250 0.017 0.233 4379636 1-Sep-31 $314,276.50 88.77 06 0.250 0.017 0.608 4379845 1-Dec-31 $430,000.00 66.15 0.250 0.017 0.108 4379862 1-Nov-31 $334,112.08 80.00 0.250 0.017 0.000 4379874 1-Nov-31 $569,521.13 69.09 0.250 0.017 0.108 4379933 1-Sep-31 $349,090.89 79.35 0.250 0.017 0.000 4380046 1-Dec-31 $317,600.00 68.74 0.250 0.017 0.000 4380093 1-Nov-31 $415,659.01 80.00 0.250 0.017 0.233 4380132 1-Nov-31 $539,546.33 52.43 0.250 0.017 0.108 4380208 1-Nov-31 $407,165.97 55.82 0.250 0.017 0.233 4380243 1-Nov-31 $524,547.98 70.00 0.250 0.017 0.000 4380358 1-Dec-31 $440,000.00 78.57 0.250 0.017 0.000 4380394 1-Dec-31 $325,000.00 67.71 0.250 0.017 0.108 4380460 1-Nov-31 $999,219.90 69.06 0.250 0.017 0.483 4380491 1-Nov-31 $524,547.98 57.07 0.250 0.017 0.000 4380513 1-Nov-31 $475,590.17 80.00 0.250 0.017 0.000 4380618 1-Nov-31 $407,657.23 42.28 0.250 0.017 0.108 4380628 1-Nov-31 $396,666.47 53.65 0.250 0.017 0.108 4380716 1-Nov-31 $781,974.16 57.97 0.250 0.017 0.358 4380755 1-Nov-31 $301,746.28 52.52 0.250 0.017 0.108 4381275 1-Sep-31 $366,904.99 95.00 11 0.250 0.017 1.233 4381345 1-Nov-31 $335,717.71 68.57 0.250 0.017 0.108 4381358 1-Dec-31 $490,000.00 66.40 0.250 0.017 0.000 4381394 1-Dec-31 $604,000.00 50.33 0.250 0.017 0.000 4381708 1-Dec-31 $408,000.00 61.35 0.250 0.017 0.000 4381720 1-Nov-31 $439,630.34 62.86 0.250 0.017 0.108 4381789 1-Dec-31 $344,500.00 47.52 0.250 0.017 0.233 4381835 1-Nov-31 $780,375.44 60.08 0.250 0.017 0.358 4381838 1-Nov-31 $607,359.31 80.00 0.250 0.017 0.108 4381872 1-Nov-31 $392,170.25 39.25 0.250 0.017 0.108 4381915 1-Nov-31 $461,611.86 70.00 0.250 0.017 0.108 4381927 1-Nov-31 $369,689.15 56.92 0.250 0.017 0.108 4381931 1-Nov-31 $338,222.53 64.48 0.250 0.017 0.233 4381994 1-Nov-31 $774,410.29 64.58 0.250 0.017 0.608 4382023 1-Dec-31 $455,000.00 77.12 0.250 0.017 0.233 4382106 1-Dec-31 $350,000.00 30.43 0.250 0.017 0.108 4382134 1-Nov-31 $315,510.42 58.74 0.250 0.017 0.108 4382389 1-Dec-31 $406,000.00 62.46 0.250 0.017 0.108 4382478 1-Nov-31 $394,668.15 51.97 0.250 0.017 0.108 4382534 1-Dec-31 $650,000.00 71.43 0.250 0.017 0.000 4382539 1-Dec-31 $357,000.00 77.27 0.250 0.017 0.108 4382609 1-Dec-31 $363,000.00 59.02 0.250 0.017 0.000 4382683 1-Nov-31 $435,615.32 67.08 0.250 0.017 0.000 4382788 1-Nov-31 $997,581.61 39.86 0.250 0.017 0.233 4382878 1-Dec-31 $490,000.00 54.75 0.250 0.017 0.608 4382907 1-Nov-31 $354,252.14 70.00 0.250 0.017 0.108 4382910 1-Nov-31 $309,739.56 79.49 0.250 0.017 0.108 4382972 1-Nov-31 $636,464.84 70.78 0.250 0.017 0.108 4383000 1-Nov-31 $344,724.11 75.00 0.250 0.017 0.358 4383018 1-Nov-31 $612,485.00 58.38 0.250 0.017 0.108 4383056 1-Nov-31 $347,735.20 69.60 0.250 0.017 0.608 4383110 1-Dec-31 $315,000.00 78.75 0.250 0.017 0.108 4383625 1-Nov-31 $338,715.20 64.57 0.250 0.017 0.108 4383655 1-Dec-31 $334,000.00 74.22 0.250 0.017 0.108 4383763 1-Nov-31 $359,697.55 38.92 0.250 0.017 0.108 4383850 1-Dec-31 $447,300.00 67.77 0.250 0.017 0.000 4383888 1-Nov-31 $648,454.76 40.56 0.250 0.017 0.108 4383903 1-Nov-31 $491,616.19 67.86 0.250 0.017 0.483 4384019 1-Nov-31 $373,286.13 53.37 0.250 0.017 0.108 4384075 1-Nov-31 $452,346.84 58.41 0.250 0.017 0.483 4384102 1-Dec-31 $574,000.00 72.66 0.250 0.017 0.000 4384113 1-Nov-31 $406,658.06 68.98 0.250 0.017 0.108 4384177 1-Nov-31 $330,715.02 77.88 0.250 0.017 0.000 4384204 1-Nov-31 $443,617.72 80.00 0.250 0.017 0.000 4384327 1-Nov-31 $339,714.36 68.00 0.250 0.017 0.108 4384339 1-Nov-31 $555,832.64 39.74 0.250 0.017 0.108 4384406 1-Dec-31 $322,500.00 75.00 0.250 0.017 0.108 4384446 1-Nov-31 $524,610.37 70.00 0.250 0.017 0.733 4384488 1-Nov-31 $487,590.01 62.17 0.250 0.017 0.108 4384667 1-Nov-31 $357,706.54 68.19 0.250 0.017 0.233 4384689 1-Dec-31 $950,000.00 67.86 0.250 0.017 0.000 4384763 1-Nov-31 $330,715.02 73.56 0.250 0.017 0.000 4384792 1-Dec-31 $470,000.00 55.69 0.250 0.017 0.000 4384829 1-Nov-31 $414,659.82 72.55 0.250 0.017 0.233 4385012 1-Dec-31 $500,000.00 66.67 0.250 0.017 0.000 4385069 1-Nov-31 $444,626.14 64.96 0.250 0.017 0.108 4385080 1-Nov-31 $350,005.71 79.99 0.250 0.017 0.108 4385101 1-Nov-31 $327,724.44 80.00 0.250 0.017 0.108 4385189 1-Oct-31 $514,173.89 73.57 0.250 0.017 0.358 4385199 1-Nov-31 $334,925.23 69.83 0.250 0.017 0.233 4385250 1-Dec-31 $312,000.00 74.29 0.250 0.017 0.108 4385262 1-Nov-31 $379,672.82 47.50 0.250 0.017 0.000 4385268 1-Nov-31 $492,595.88 51.35 0.250 0.017 0.233 4385374 1-Nov-31 $639,448.97 80.00 0.250 0.017 0.000 4385421 1-Nov-31 $649,440.36 50.00 0.250 0.017 0.000 4385600 1-Nov-31 $323,714.14 80.00 0.250 0.017 0.000 4385637 1-Nov-31 $379,696.11 50.67 0.250 0.017 0.358 4385862 1-Nov-31 $619,452.99 80.00 0.250 0.017 0.000 4386007 1-Dec-31 $325,000.00 79.85 0.250 0.017 0.233 4386011 1-Nov-31 $337,542.95 58.24 0.250 0.017 0.608 4386023 1-Dec-31 $384,500.00 69.91 0.250 0.017 0.108 4386026 1-Dec-31 $823,000.00 48.41 0.250 0.017 0.233 4386105 1-Dec-31 $324,300.00 76.31 0.250 0.017 0.108 4386133 1-Dec-31 $408,000.00 80.00 0.250 0.017 0.000 4386168 1-Nov-31 $372,479.03 80.00 0.250 0.017 0.000 4386242 1-Dec-31 $446,000.00 38.12 0.250 0.017 0.108 4386291 1-Dec-31 $368,000.00 77.97 0.250 0.017 0.108 4386329 1-Nov-31 $116,904.09 74.52 0.250 0.017 0.233 4386533 1-Dec-31 $512,000.00 79.93 0.250 0.017 0.000 4386648 1-Nov-31 $479,899.49 80.00 0.250 0.017 0.108 4386771 1-Dec-31 $396,000.00 51.10 0.250 0.017 0.108 4386778 1-Dec-31 $447,000.00 55.88 0.250 0.017 0.233 4386922 1-Nov-31 $305,949.01 79.99 0.250 0.017 0.233 4386927 1-Nov-31 $431,637.06 77.34 0.250 0.017 0.108 4387102 1-Nov-31 $539,535.07 78.26 0.250 0.017 0.000 4387198 1-Dec-31 $461,000.00 64.93 0.250 0.017 0.233 4387266 1-Nov-31 $327,724.44 80.00 0.250 0.017 0.108 4387332 1-Dec-31 $349,250.00 69.99 0.250 0.017 0.108 4387430 1-Nov-31 $526,588.89 52.70 0.250 0.017 0.483 4387442 1-Sep-31 $448,940.51 62.75 0.250 0.017 0.483 4387626 1-Dec-31 $385,000.00 30.80 0.250 0.017 0.233 4387737 1-Oct-31 $473,101.45 67.89 0.250 0.017 0.108 4387789 1-Oct-31 $300,105.76 79.95 0.250 0.017 0.233 4387812 1-Oct-31 $353,852.75 78.25 0.250 0.017 0.108 4387980 1-Dec-31 $342,000.00 18.00 0.250 0.017 0.233 4388152 1-Dec-31 $450,000.00 58.06 0.250 0.017 0.000 4388511 1-Dec-31 $835,000.00 17.49 0.250 0.017 0.233 4388515 1-Nov-31 $802,125.56 66.90 0.250 0.017 0.108 4388555 1-Nov-31 $396,366.72 74.85 0.250 0.017 0.108 4388662 1-Nov-31 $607,792.72 44.89 0.250 0.017 0.983 4388723 1-Nov-31 $178,856.85 64.16 0.250 0.017 0.358 4388789 1-Dec-31 $628,000.00 52.33 0.250 0.017 0.000 4389148 1-Oct-31 $486,755.81 75.00 0.250 0.017 0.608 4389281 1-Dec-31 $332,000.00 80.00 0.250 0.017 0.108 4389401 1-Nov-31 $429,656.14 59.31 0.250 0.017 0.358 4389438 1-Nov-31 $327,717.60 80.00 0.250 0.017 0.000 4389676 1-Nov-31 $209,740.20 63.64 0.250 0.017 0.608 4389784 1-Nov-31 $343,724.90 80.00 0.250 0.017 0.358 4389910 1-Nov-31 $429,656.14 71.67 0.250 0.017 0.358 4389936 1-Oct-31 $345,418.88 63.49 0.250 0.017 0.483 4390029 1-Oct-31 $344,460.11 57.50 0.250 0.017 0.483 4390251 1-Nov-31 $329,323.09 80.00 0.250 0.017 0.108 4390267 1-Nov-31 $607,436.87 46.77 0.250 0.017 0.000 4390287 1-Nov-31 $429,656.14 39.72 0.250 0.017 0.358 4390305 1-Nov-31 $384,121.78 55.71 0.250 0.017 0.858 4390347 1-Nov-31 $366,184.46 74.49 0.250 0.017 0.000 4390353 1-Nov-31 $479,596.74 71.11 0.250 0.017 0.108 4390580 1-Oct-31 $399,342.32 86.96 01 0.250 0.017 0.233 4390823 1-Nov-31 $579,524.57 58.00 0.250 0.017 0.233 4390948 1-Dec-31 $315,000.00 72.25 0.250 0.017 0.108 4391072 1-Nov-31 $437,632.03 54.75 0.250 0.017 0.108 4391410 1-Dec-31 $765,000.00 61.20 0.250 0.017 0.000 4391460 1-Dec-31 $381,000.00 38.96 0.250 0.017 0.358 4391536 1-Dec-31 $530,000.00 64.63 0.250 0.017 0.233 4391704 1-Dec-31 $460,000.00 52.27 0.250 0.017 0.233 4391928 1-Nov-31 $649,453.92 68.42 0.250 0.017 0.108 4392016 1-Dec-31 $505,000.00 74.81 0.250 0.017 0.233 4392089 1-Dec-31 $418,000.00 49.18 0.250 0.017 0.108 4392413 1-Dec-31 $400,000.00 69.57 0.250 0.017 0.108 4392585 1-Oct-31 $499,136.58 58.82 0.250 0.017 0.000 4392624 1-Oct-31 $329,483.56 71.43 0.250 0.017 0.483 4392634 1-Nov-31 $347,721.70 80.00 0.250 0.017 0.358 4392641 1-Nov-31 $496,397.77 80.00 0.250 0.017 0.233 4392831 1-Dec-31 $441,000.00 70.00 0.250 0.017 0.233 4392883 1-Nov-31 $354,901.59 80.00 0.250 0.017 0.108 4392953 1-Nov-31 $379,688.52 69.09 0.250 0.017 0.233 4393242 1-Dec-31 $400,000.00 51.61 0.250 0.017 0.108 4393361 1-Nov-31 $384,176.60 49.68 0.250 0.017 0.108 4393433 1-Dec-31 $315,000.00 75.00 0.250 0.017 0.233 4393472 1-Dec-31 $312,500.00 59.52 0.250 0.017 0.108 4393501 1-Dec-31 $311,200.00 79.79 0.250 0.017 0.108 4393541 1-Dec-31 $450,000.00 64.29 0.250 0.017 0.000 4394856 1-Oct-31 $391,355.48 62.22 0.250 0.017 0.233 4394926 1-Dec-31 $366,000.00 79.57 0.250 0.017 0.108 4394972 1-Nov-31 $395,659.05 61.88 0.250 0.017 0.000 4395065 1-Nov-31 $384,684.41 70.00 0.250 0.017 0.233 4395190 1-Dec-31 $360,000.00 55.38 0.250 0.017 0.733 4395284 1-Nov-31 $999,294.21 74.07 0.250 0.017 0.983 4395336 1-Dec-31 $415,000.00 64.34 0.250 0.017 0.000 4395350 1-Nov-31 $351,711.47 78.22 0.250 0.017 0.233 4395408 1-Nov-31 $649,467.20 46.43 0.250 0.017 0.233 4395478 1-Nov-31 $307,753.70 80.00 0.250 0.017 0.358 4395518 1-Nov-31 $548,350.14 70.00 0.250 0.017 0.233 4395574 1-Nov-31 $415,675.47 52.46 0.250 0.017 0.483 4395659 1-Dec-31 $475,000.00 63.33 0.250 0.017 0.108 4395671 1-Nov-31 $344,710.15 63.89 0.250 0.017 0.108 4395941 1-Nov-31 $491,596.71 80.00 0.250 0.017 0.233 4395951 1-Nov-31 $321,161.47 78.39 0.250 0.017 0.733 4395962 1-Dec-31 $413,000.00 65.56 0.250 0.017 0.108 4395979 1-Nov-31 $415,650.50 80.00 0.250 0.017 0.108 4396031 1-Nov-31 $999,200.31 46.51 0.250 0.017 0.358 4396068 1-Nov-31 $379,680.75 52.41 0.250 0.017 0.108 4396154 1-Dec-31 $325,000.00 47.79 0.250 0.017 0.358 4396523 1-Dec-31 $556,000.00 55.60 0.250 0.017 0.108 4396524 1-Dec-31 $407,000.00 56.14 0.250 0.017 0.000 4396598 1-Oct-31 $495,184.48 80.00 0.250 0.017 0.233 4396612 1-Dec-31 $308,000.00 80.00 0.250 0.017 0.358 4396673 1-Dec-31 $392,000.00 80.00 0.250 0.017 0.108 4396680 1-Dec-31 $382,500.00 86.93 GD 2YR 11 0.250 0.017 0.233 4396690 1-Oct-31 $509,140.62 67.11 0.250 0.017 0.108 4396704 1-Nov-31 $556,009.00 70.00 0.250 0.017 0.000 4397143 1-Nov-31 $365,321.81 71.62 0.250 0.017 0.608 4397243 1-Nov-31 $499,579.95 37.04 0.250 0.017 0.108 4397304 1-Nov-31 $329,722.76 61.68 0.250 0.017 0.108 4397321 1-Dec-31 $310,000.00 42.76 0.250 0.017 0.233 4397333 1-Dec-31 $374,500.00 66.88 0.250 0.017 0.000 4397697 1-Oct-31 $544,225.60 74.16 0.250 0.017 0.358 4397715 1-Nov-31 $387,674.04 70.55 0.250 0.017 0.108 4398098 1-Oct-31 $463,237.12 75.08 0.250 0.017 0.233 4398221 1-Dec-31 $449,000.00 59.08 0.250 0.017 0.108 4398286 1-Nov-31 $359,450.25 80.00 0.250 0.017 0.000 4398297 1-Dec-31 $746,000.00 74.60 0.250 0.017 0.233 4398554 1-Nov-31 $331,747.38 80.00 0.250 0.017 0.608 4398605 1-Nov-31 $464,699.56 60.80 0.250 0.017 0.000 4398622 1-Nov-31 $363,694.19 80.00 0.250 0.017 0.108 4398741 1-Dec-31 $350,000.00 89.74 12 0.250 0.017 0.108 4398769 1-Dec-31 $395,000.00 70.54 0.250 0.017 0.108 4398796 1-Nov-31 $454,627.04 70.00 0.250 0.017 0.233 4398819 1-Dec-31 $506,000.00 61.71 0.250 0.017 0.108 4398825 1-Dec-31 $350,000.00 50.00 0.250 0.017 0.000 4398890 1-Nov-31 $349,713.11 58.33 0.250 0.017 0.233 4398931 1-Dec-31 $397,500.00 75.00 0.250 0.017 0.608 4399020 1-Nov-31 $399,564.03 58.81 0.250 0.017 0.108 4399228 1-Dec-31 $472,752.00 67.54 0.250 0.017 0.108 4399449 1-Nov-31 $561,527.85 44.60 0.250 0.017 0.108 4399511 1-Dec-31 $414,000.00 48.71 0.250 0.017 0.108 4399682 1-Dec-31 $337,000.00 74.72 0.250 0.017 0.108 4399764 1-Nov-31 $337,116.54 79.58 0.250 0.017 0.108 4400240 1-Nov-31 $874,264.89 70.85 0.250 0.017 0.108 4400340 1-Dec-31 $307,800.00 76.95 0.250 0.017 0.358 4400520 1-Nov-31 $649,453.92 59.09 0.250 0.017 0.108 4400525 1-Dec-31 $473,100.00 60.27 0.250 0.017 0.733 4400777 1-Nov-31 $361,695.87 54.44 0.250 0.017 0.108 4401026 1-Nov-31 $347,957.43 80.00 0.250 0.017 0.108 4401317 1-Dec-31 $393,500.00 79.98 0.250 0.017 0.233 4401545 1-Dec-31 $265,000.00 73.61 0.250 0.017 0.108 4401605 1-Dec-31 $317,000.00 50.96 0.250 0.017 0.108 4401630 1-Nov-31 $344,710.15 27.82 0.250 0.017 0.108 4401723 1-Nov-31 $364,700.81 58.40 0.250 0.017 0.233 4401829 1-Nov-31 $470,594.48 65.80 0.250 0.017 0.000 4401834 1-Dec-31 $700,000.00 56.00 0.250 0.017 0.108 4401858 1-Dec-31 $321,499.00 84.61 06 0.250 0.017 0.108 4401970 1-Dec-31 $646,534.00 79.76 0.250 0.017 0.108 4402202 1-Oct-31 $414,882.35 72.91 0.250 0.017 0.000 4402205 1-Dec-31 $359,500.00 71.19 0.250 0.017 0.108 4402542 1-Dec-31 $425,000.00 65.38 0.250 0.017 0.108 4402655 1-Dec-31 $365,000.00 42.44 0.250 0.017 0.108 4402686 1-Dec-31 $432,000.00 80.00 0.250 0.017 0.233 4402739 1-Nov-31 $316,890.03 79.29 0.250 0.017 0.233 4402780 1-Dec-31 $388,000.00 68.07 0.250 0.017 0.000 4402901 1-Dec-31 $517,500.00 75.00 0.250 0.017 0.108 4403123 1-Dec-31 $500,000.00 51.65 0.250 0.017 0.108 4403167 1-Dec-31 $348,000.00 79.09 0.250 0.017 0.358 4403224 1-Dec-31 $319,000.00 73.33 0.250 0.017 0.358 4403345 1-Dec-31 $650,000.00 69.89 0.250 0.017 0.108 4403386 1-Dec-31 $324,000.00 74.14 0.250 0.017 0.358 4403434 1-Dec-31 $410,000.00 49.70 0.250 0.017 0.233 4403497 1-Nov-31 $273,686.32 60.87 0.250 0.017 0.483 4403582 1-Nov-31 $347,692.97 80.00 0.250 0.017 0.000 4403683 1-Dec-31 $650,000.00 65.99 0.250 0.017 0.108 4403724 1-Nov-31 $330,158.45 80.00 0.250 0.017 0.000 4403959 1-Nov-31 $350,897.62 80.00 0.250 0.017 0.000 4404063 1-Nov-31 $306,941.91 80.00 0.250 0.017 0.108 4404210 1-Nov-31 $335,717.72 70.00 0.250 0.017 0.108 4404261 1-Dec-31 $327,000.00 66.73 0.250 0.017 0.233 4404787 1-Nov-31 $391,470.84 58.04 0.250 0.017 0.108 4404842 1-Nov-31 $304,406.38 84.99 12 0.250 0.017 0.358 4404910 1-Dec-31 $346,423.00 76.98 0.250 0.017 0.233 4404912 1-Dec-31 $515,000.00 59.61 0.250 0.017 0.000 4405115 1-Nov-31 $391,654.15 55.37 0.250 0.017 0.000 4405369 1-Dec-31 $305,600.00 80.00 0.250 0.017 0.108 4405376 1-Nov-31 $325,989.10 75.00 0.250 0.017 0.358 4405482 1-Dec-31 $200,000.00 48.19 0.250 0.017 0.108 4405735 1-Nov-31 $386,674.87 42.76 0.250 0.017 0.108 4405979 1-Dec-31 $670,850.00 61.55 0.250 0.017 0.000 4406010 1-Nov-31 $344,743.96 75.00 0.250 0.017 0.733 4406050 1-Dec-31 $395,000.00 17.17 0.250 0.017 0.000 4406148 1-Nov-31 $374,277.13 54.35 0.250 0.017 0.000 4406198 1-Nov-31 $490,587.50 28.88 0.250 0.017 0.108 4406343 1-Dec-31 $386,400.00 80.00 0.250 0.017 0.483 4406534 1-Nov-31 $442,119.53 69.69 0.250 0.017 0.608 4407535 1-Dec-31 $518,000.00 69.07 0.250 0.017 0.108 4407577 1-Dec-31 $412,000.00 78.33 0.250 0.017 0.108 4407673 1-Dec-31 $347,750.00 79.99 0.250 0.017 0.233 4407966 1-Dec-31 $485,000.00 46.19 0.250 0.017 0.000 4408079 1-Dec-31 $310,000.00 66.67 0.250 0.017 0.108 4408163 1-Nov-31 $310,495.28 78.67 0.250 0.017 0.233 4408171 1-Nov-31 $335,417.97 80.00 0.250 0.017 0.108 4408215 1-Dec-31 $352,700.00 89.99 11 0.250 0.017 0.108 4408331 1-Nov-31 $373,693.44 66.79 0.250 0.017 0.233 4408350 1-Oct-31 $637,001.61 67.16 0.250 0.017 0.483 4408469 1-Nov-31 $349,705.95 79.55 0.250 0.017 0.108 4408528 1-Dec-31 $390,000.00 54.17 0.250 0.017 0.233 4408609 1-Dec-31 $600,000.00 44.78 0.250 0.017 0.108 4408658 1-Dec-21 $453,000.00 73.06 0.250 0.017 0.108 4408687 1-Nov-31 $347,714.75 39.77 0.250 0.017 0.233 4408718 1-Nov-31 $374,692.62 61.32 0.250 0.017 0.233 4408761 1-Nov-31 $547,539.61 80.00 0.250 0.017 0.108 4408776 1-Dec-31 $340,000.00 80.00 0.250 0.017 0.108 4408817 1-Dec-31 $449,000.00 61.93 0.250 0.017 0.000 4408911 1-Dec-31 $650,000.00 46.43 0.250 0.017 0.108 4408929 1-Dec-31 $500,000.00 80.00 0.250 0.017 0.108 4409090 1-Nov-31 $311,737.88 80.00 0.250 0.017 0.108 4409145 1-Dec-31 $420,000.00 73.04 0.250 0.017 0.233 4409268 1-Dec-31 $700,000.00 63.64 0.250 0.017 0.233 4409447 1-Nov-31 $566,523.65 59.68 0.250 0.017 0.108 4409472 1-Dec-31 $400,000.00 33.33 0.250 0.017 0.233 4409749 1-Dec-31 $440,000.00 33.59 0.250 0.017 0.108 4410076 1-Dec-31 $375,000.00 64.99 0.250 0.017 0.108 4410307 1-Dec-31 $215,000.00 46.94 0.250 0.017 0.000 4410507 1-Dec-31 $683,000.00 62.09 0.250 0.017 0.108 4410582 1-Dec-31 $532,000.00 69.45 0.250 0.017 0.233 4410945 1-Dec-31 $316,000.00 80.00 0.250 0.017 0.000 4411328 1-Oct-31 $859,833.96 65.00 0.250 0.017 0.233 4411580 1-Nov-31 $674,446.70 69.23 0.250 0.017 0.233 4411622 1-Nov-31 $397,681.73 62.68 0.250 0.017 0.358 4411907 1-Dec-31 $595,000.00 85.00 11 0.250 0.017 0.108 4412434 1-Dec-31 $1,000,000.00 69.44 0.250 0.017 0.000 4413269 1-Nov-31 $494,783.96 80.00 0.250 0.017 0.108 4414119 1-Dec-31 $340,000.00 80.00 0.250 0.017 0.000 4414274 1-Nov-31 $399,717.68 93.24 06 0.250 0.017 0.983 4414841 1-Dec-31 $341,000.00 64.95 0.250 0.017 0.233 4414846 1-Oct-31 $594,045.55 70.00 0.250 0.017 0.358 4414907 1-Dec-31 $145,000.00 74.36 0.250 0.017 0.000 4415064 1-Nov-31 $332,546.76 80.00 0.250 0.017 0.608 4415196 1-Oct-31 $598,889.13 75.00 0.250 0.017 0.108 4415413 1-Dec-31 $334,800.00 51.51 0.250 0.017 0.108 4415619 1-Dec-31 $350,000.00 56.00 0.250 0.017 0.000 4415756 1-Dec-31 $310,000.00 50.41 0.250 0.017 0.108 4415825 1-Dec-31 $347,500.00 45.42 0.250 0.017 0.108 4415870 1-Nov-31 $499,589.46 59.52 0.250 0.017 0.233 4415953 1-Dec-31 $370,500.00 75.61 0.250 0.017 0.733 4416115 1-Dec-31 $345,000.00 65.09 0.250 0.017 0.483 4416944 1-Dec-31 $385,000.00 51.33 0.250 0.017 0.000 4416955 1-Dec-31 $392,000.00 70.00 0.250 0.017 0.108 4417182 1-Dec-31 $325,000.00 77.38 0.250 0.017 0.108 4417505 1-Dec-21 $360,000.00 61.54 0.250 0.017 0.108 4417630 1-Oct-31 $352,631.18 67.33 0.250 0.017 0.358 4418095 1-Dec-31 $302,000.00 60.40 0.250 0.017 0.358 4418291 1-Dec-31 $750,000.00 51.02 0.250 0.017 0.108 4418334 1-Dec-31 $480,000.00 24.00 0.250 0.017 0.108 4418401 1-Dec-31 $430,000.00 32.45 0.250 0.017 0.733 4418455 1-Dec-31 $306,000.00 75.56 0.250 0.017 0.733 4418574 1-Dec-31 $473,000.00 73.91 0.250 0.017 0.233 4418878 1-Dec-31 $593,000.00 69.76 0.250 0.017 0.483 4418963 1-Dec-31 $318,500.00 74.94 0.250 0.017 0.483 4419141 1-Dec-31 $465,000.00 54.71 0.250 0.017 0.000 4419158 1-Dec-31 $400,000.00 65.04 0.250 0.017 0.608 4419161 1-Nov-31 $322,635.33 79.88 0.250 0.017 0.233 4419257 1-Nov-31 $357,049.78 79.99 0.250 0.017 0.108 4419406 1-Nov-31 $648,967.61 54.58 0.250 0.017 0.233 4419420 1-Dec-31 $391,500.00 62.14 0.250 0.017 0.108 4419443 1-Nov-31 $434,660.66 75.00 0.250 0.017 0.483 4419462 1-Nov-31 $499,609.95 68.97 0.250 0.017 0.483 4419880 1-Nov-31 $627,472.41 79.25 0.250 0.017 0.108 4420847 1-Dec-31 $435,000.00 64.44 0.250 0.017 0.108 4421061 1-Nov-31 $389,180.72 72.13 0.250 0.017 0.233 4422049 1-Dec-31 $602,700.00 49.40 0.250 0.017 0.733 4423227 1-Dec-31 $343,200.00 80.00 0.250 0.017 0.000 4423612 1-Dec-31 $550,000.00 61.11 0.250 0.017 0.108 4424747 1-Dec-31 $470,000.00 61.04 0.250 0.017 0.108 4424939 1-Dec-31 $408,000.00 57.46 0.250 0.017 0.358 4425271 1-Oct-31 $647,902.19 71.43 0.250 0.017 0.358 4425291 1-Nov-31 $414,668.13 61.94 0.250 0.017 0.358 4425314 1-Nov-31 $449,640.15 73.77 0.250 0.017 0.358 4425336 1-Oct-31 $874,523.88 80.00 0.250 0.017 0.108 4425675 1-Dec-31 $975,000.00 39.00 0.250 0.017 0.000 4426156 1-Dec-31 $339,000.00 61.64 0.250 0.017 0.000 4426435 1-Dec-31 $311,300.00 69.18 0.250 0.017 1.108 4426782 1-Nov-31 $468,286.98 70.00 0.250 0.017 0.108 4427054 1-Nov-31 $564,525.33 62.09 0.250 0.017 0.108 4427130 1-Nov-31 $409,655.55 55.70 0.250 0.017 0.108 4427161 1-Nov-31 $415,650.50 56.99 0.250 0.017 0.108 4427525 1-Nov-31 $566,499.75 68.73 0.250 0.017 0.000 4427765 1-Dec-31 $314,000.00 43.61 0.250 0.017 0.108 4428912 1-Dec-31 $311,000.00 34.56 0.250 0.017 0.608 4429269 1-Nov-31 $341,133.68 89.99 24 0.250 0.017 0.483 4429602 1-Dec-31 $400,000.00 61.54 0.250 0.017 0.000 4429661 1-Nov-31 $419,655.73 74.34 0.250 0.017 0.233 4431079 1-Dec-31 $400,000.00 29.85 0.250 0.017 0.000 4431879 1-Dec-31 $310,000.00 35.03 0.250 0.017 0.108 4432561 1-Dec-31 $305,000.00 79.84 0.250 0.017 0.233 4432773 1-Dec-31 $415,000.00 69.75 0.250 0.017 0.233 4433398 1-Dec-31 $597,000.00 79.60 0.250 0.017 0.483 4433465 1-Dec-31 $439,200.00 80.00 0.250 0.017 0.000 4433593 1-Nov-31 $699,440.22 54.90 0.250 0.017 0.358 4434453 1-Dec-31 $467,000.00 67.68 0.250 0.017 0.233 4436001 1-Dec-31 $344,000.00 80.00 0.250 0.017 0.108 4436278 1-Dec-31 $700,000.00 50.91 0.250 0.017 0.000 4439819 1-Dec-31 $396,100.00 80.00 0.250 0.017 0.108 4440305 1-Dec-31 $331,000.00 84.87 06 0.250 0.017 0.000 4441008 1-Nov-31 $318,751.15 76.87 0.250 0.017 0.483 4441697 1-Nov-31 $329,736.10 76.74 0.250 0.017 0.358 4442947 1-Nov-31 $352,753.40 79.88 0.250 0.017 0.108 4443007 1-Nov-31 $364,693.36 79.94 0.250 0.017 0.108 4446052 1-Nov-31 $331,741.00 65.10 0.250 0.017 0.483 4446260 1-Dec-31 $337,750.00 93.11 24 0.250 0.017 0.608 4591459 1-Nov-31 $639,448.97 78.05 0.250 0.017 0.000 4599296 1-Oct-31 $514,213.84 64.38 0.250 0.017 0.608 4600516 1-Oct-31 $415,598.60 75.00 0.250 0.017 0.483 4608709 1-Oct-31 $335,061.66 80.00 0.250 0.017 0.358 4611943 1-Oct-31 $321,943.10 76.79 0.250 0.017 0.000 4612834 1-Oct-31 $580,020.98 64.56 0.250 0.017 0.108 4613634 1-Oct-31 $334,454.18 79.76 0.250 0.017 0.483 4614089 1-Nov-31 $366,699.17 74.90 0.250 0.017 0.233 4619300 1-Oct-31 $319,473.87 79.01 0.250 0.017 0.233 4620837 1-Oct-31 $385,909.01 75.00 0.250 0.017 0.358 4622502 1-Oct-31 $938,454.49 47.00 0.250 0.017 0.233 4646543 1-Nov-31 $417,640.10 59.71 0.250 0.017 0.000 4661732 1-Nov-31 $414,151.77 64.06 0.250 0.017 0.108 4667663 1-Oct-26 $441,016.07 54.39 0.250 0.017 0.108 4674594 1-Nov-31 $317,081.39 80.00 0.250 0.017 0.233 4685400 1-Nov-31 $337,716.04 80.00 0.250 0.017 0.108 4730160 1-Oct-31 $381,955.30 75.31 0.250 0.017 0.108 4840104 1-Nov-31 $445,625.30 80.00 0.250 0.017 0.108 4879508 1-Oct-31 $648,899.73 74.93 0.250 0.017 0.108 4882098 1-Oct-31 $306,221.75 75.00 0.250 0.017 0.108 4945200 1-Nov-31 $385,591.40 74.21 0.250 0.017 0.358 5075916 1-Nov-31 $432,627.20 74.02 0.250 0.017 0.000 5849560 1-Oct-31 $322,468.92 58.20 0.250 0.017 0.233 5918837 1-Nov-31 $352,296.42 79.99 0.250 0.017 0.000 5929411 1-Nov-31 $371,687.47 73.66 0.250 0.017 0.108 5950086 1-Nov-31 $412,136.05 69.92 0.250 0.017 0.000 5955629 1-Nov-31 $599,508.18 80.00 0.250 0.017 0.233 5963136 1-Aug-31 $333,918.82 72.06 0.250 0.017 0.358 5967721 1-Jul-31 $820,665.89 58.86 0.250 0.017 0.358 5993330 1-Nov-31 $839,276.77 70.00 0.250 0.017 0.000 5994505 1-Dec-31 $520,000.00 80.00 0.250 0.017 0.000 5994832 1-Dec-31 $767,000.00 38.35 0.250 0.017 0.358 5997434 1-Nov-31 $475,806.66 80.00 0.250 0.017 0.233 5998472 1-Nov-31 $428,847.78 70.00 0.250 0.017 0.358 6007126 1-Oct-31 $491,969.59 80.00 0.250 0.017 0.108 6017534 1-Oct-31 $379,448.18 80.00 0.250 0.017 0.858 6018893 1-Oct-31 $410,821.92 80.00 0.250 0.017 0.608 6019041 1-Nov-31 $588,305.33 42.06 0.250 0.017 0.108 6019898 1-Nov-31 $ 47,417.33 70.00 0.250 0.017 1.233 6020919 1-Nov-31 $343,710.99 80.00 0.250 0.017 0.108 6021142 1-Jun-31 $490,421.74 90.00 06 0.250 0.017 0.733 6029218 1-Nov-31 $530,514.78 79.99 0.250 0.017 0.233 6033241 1-Jul-31 $404,050.42 41.59 0.250 0.017 0.983 6033983 1-Aug-31 $662,309.37 70.00 0.250 0.017 0.733 6039672 1-Nov-31 $369,696.71 69.94 0.250 0.017 0.233 6039738 1-Nov-21 $471,080.08 48.26 0.250 0.017 0.108 6086734 1-Nov-31 $383,427.60 80.00 0.250 0.017 0.108 6100370 1-Nov-31 $411,653.87 80.00 0.250 0.017 0.108 6115100 1-Nov-31 $704,407.71 75.81 0.250 0.017 0.108 6156349 1-Oct-31 $973,511.66 65.00 0.250 0.017 0.608 6157406 1-Oct-31 $391,339.46 67.59 0.250 0.017 0.108 6219931 1-Nov-31 $798,176.85 61.45 0.250 0.017 0.483 6224899 1-Nov-31 $341,712.68 62.18 0.250 0.017 0.108 6238684 1-Nov-31 $607,489.20 80.00 0.250 0.017 0.108 7888528 1-Oct-31 $549,160.43 64.21 0.250 0.017 0.608 8339951 1-Oct-31 $534,141.80 79.26 0.250 0.017 0.358 8353624 1-Nov-30 $271,130.32 80.00 0.250 0.017 1.483 8359389 1-Jul-31 $336,665.59 79.99 0.250 0.017 0.483 8380811 1-Oct-31 $479,248.84 51.43 0.250 0.017 0.483 8425533 1-Nov-31 $314,728.80 65.63 0.250 0.017 0.000 8502237 1-Oct-31 $384,363.97 69.97 0.250 0.017 0.233 8530694 1-Oct-31 $534,141.80 38.49 0.250 0.017 0.358 8534930 1-Sep-31 $323,954.23 80.00 0.250 0.017 0.608 8552474 1-Oct-31 $440,579.80 80.00 0.250 0.017 0.358 8568822 1-Oct-31 $319,761.13 95.00 13 0.250 0.017 0.608 8580421 1-Nov-31 $749,354.26 68.77 0.250 0.017 0.000 8600530 1-Oct-31 $333,697.45 80.00 0.250 0.017 0.233 8610591 1-Jul-31 $317,238.60 60.26 0.250 0.017 0.733 8617148 1-Oct-31 $638,947.72 80.00 0.250 0.017 0.233 8627252 1-Oct-31 $387,923.14 79.74 0.250 0.017 0.233 8639004 1-Jul-31 $398,341.38 56.34 0.250 0.017 0.233 8639072 1-Jul-31 $575,517.55 68.00 0.250 0.017 0.233 8649878 1-Jun-31 $370,188.21 74.70 0.250 0.017 0.358 8666663 1-Oct-31 $323,050.09 80.00 0.250 0.017 0.608 8679213 1-Jul-31 $348,651.93 77.78 0.250 0.017 0.608 8686242 1-Oct-31 $596,760.13 44.27 0.250 0.017 0.733 8696516 1-Jul-31 $435,772.81 70.00 0.250 0.017 0.483 8700043 1-Jun-31 $365,340.03 67.96 0.250 0.017 0.733 8700739 1-Aug-31 $411,892.58 90.00 01 0.250 0.017 0.858 8703031 1-Jul-31 $442,372.70 80.00 0.250 0.017 0.858 8703265 1-Jul-31 $318,797.62 80.00 0.250 0.017 0.733 8704588 1-Jun-31 $457,950.86 80.00 0.250 0.017 1.108 8704875 1-Aug-31 $438,617.62 80.00 0.250 0.017 0.608 8705986 1-Aug-31 $647,850.07 42.76 0.250 0.017 0.233 8710680 1-Aug-31 $398,830.91 55.56 0.250 0.017 0.858 8714960 1-Aug-31 $415,719.02 80.00 0.250 0.017 0.608 8715595 1-Jul-31 $415,991.56 80.00 0.250 0.017 0.608 8719843 1-Aug-31 $448,651.54 72.00 0.250 0.017 0.733 8722104 1-Jul-31 $340,316.46 80.00 0.250 0.017 0.733 8723220 1-Jul-31 $319,469.78 83.26 12 0.250 0.017 0.233 8723783 1-Oct-31 $390,977.98 89.90 06 0.250 0.017 0.733 8724970 1-Aug-31 $472,108.73 80.00 0.250 0.017 0.483 8727280 1-Jul-31 $390,452.44 70.00 0.250 0.017 0.483 8728681 1-Aug-31 $466,027.97 68.75 0.250 0.017 0.483 8729411 1-Oct-31 $401,574.79 80.00 0.250 0.017 0.358 8729430 1-Jul-31 $346,293.64 80.00 0.250 0.017 0.608 8730658 1-Jul-31 $390,490.14 78.40 0.250 0.017 0.608 8731082 1-Jul-31 $664,929.00 67.77 0.250 0.017 0.608 8732358 1-Jul-31 $383,553.38 50.00 0.250 0.017 0.733 8732727 1-Sep-31 $540,804.69 80.00 0.250 0.017 0.358 8738076 1-Jul-31 $537,292.37 80.00 0.250 0.017 0.983 8739613 1-Oct-31 $620,503.05 71.44 0.250 0.017 0.358 8742838 1-Jul-31 $946,249.52 17.27 0.250 0.017 0.483 8743036 1-Jul-31 $501,778.23 80.00 0.250 0.017 0.608 8744011 1-Oct-31 $433,835.73 80.00 0.250 0.017 0.608 8746024 1-Jul-31 $446,142.32 51.49 0.250 0.017 0.233 8748377 1-Jul-31 $341,726.78 80.00 0.250 0.017 0.108 8751377 1-Aug-31 $447,317.59 32.11 0.250 0.017 0.483 8752670 1-Jul-31 $333,924.94 80.00 0.250 0.017 0.733 8753854 1-Jul-31 $396,142.74 80.00 0.250 0.017 0.858 8754658 1-Jul-31 $445,380.67 80.00 0.250 0.017 0.608 8755072 1-Sep-31 $309,305.50 62.63 0.250 0.017 0.733 8755495 1-Oct-31 $308,107.08 80.00 0.250 0.017 0.483 8756000 1-Sep-31 $411,076.98 80.00 0.250 0.017 0.733 8758183 1-Jul-31 $311,733.54 52.17 0.250 0.017 0.358 8759969 1-Jul-31 $406,504.62 75.98 0.250 0.017 0.858 8761128 1-Oct-31 $998,395.87 60.64 0.250 0.017 0.358 8763736 1-Jul-31 $374,398.97 80.00 0.250 0.017 0.358 8765164 1-Sep-31 $363,786.63 79.57 0.250 0.017 0.608 8765452 1-Sep-31 $359,173.15 80.00 0.250 0.017 0.608 8765856 1-Jul-31 $318,030.07 80.00 0.250 0.017 0.858 8766717 1-Aug-31 $626,616.12 69.99 0.250 0.017 0.358 8769298 1-Oct-31 $350,650.41 80.00 0.250 0.017 0.483 8769542 1-Nov-31 $315,740.97 80.00 0.250 0.017 0.233 8777926 1-Aug-31 $582,068.22 80.00 0.250 0.017 0.358 8778628 1-Aug-31 $390,825.36 69.26 0.250 0.017 0.733 8781685 1-Aug-31 $327,234.76 38.65 0.250 0.017 0.483 8782157 1-Jul-31 $330,589.35 78.12 0.250 0.017 0.108 8782162 1-Aug-31 $469,553.64 80.00 0.250 0.017 0.483 8783834 1-Oct-31 $410,724.09 80.00 0.250 0.017 0.358 8784389 1-Aug-31 $314,079.32 52.94 0.250 0.017 0.858 8784877 1-Jul-31 $398,074.36 77.90 0.250 0.017 0.358 8785948 1-Jul-31 $425,971.78 75.00 0.250 0.017 0.983 8786494 1-Aug-31 $363,222.48 40.42 0.250 0.017 0.358 8786557 1-Jul-31 $450,017.18 80.00 0.250 0.017 0.233 8786761 1-Oct-31 $319,347.59 79.99 0.250 0.017 0.000 8786777 1-Jul-31 $338,690.40 80.00 0.250 0.017 0.608 8788139 1-Jul-31 $473,668.54 75.00 0.250 0.017 0.608 8789325 1-Jul-31 $358,417.14 80.00 0.250 0.017 0.608 8790742 1-Aug-31 $427,416.14 80.00 0.250 0.017 0.358 8791986 1-Aug-26 $348,290.52 38.89 0.250 0.017 0.358 8792107 1-Aug-31 $533,396.85 78.10 0.250 0.017 0.733 8792575 1-Jul-31 $308,806.01 72.94 0.250 0.017 0.608 8792866 1-Aug-31 $368,776.18 77.89 0.250 0.017 0.233 8792872 1-Aug-31 $797,602.77 37.21 0.250 0.017 0.733 8793871 1-Jul-31 $494,004.22 80.00 0.250 0.017 0.483 8794358 1-Aug-31 $403,257.44 69.75 0.250 0.017 0.608 8795369 1-Aug-31 $308,497.14 51.67 0.250 0.017 0.358 8795891 1-Jul-31 $448,179.24 31.62 0.250 0.017 0.358 8796854 1-Aug-31 $644,210.89 50.00 0.250 0.017 0.483 8797369 1-Jul-31 $349,459.48 90.00 01 0.250 0.017 0.983 8797837 1-Aug-31 $555,157.70 65.53 0.250 0.017 0.233 8797857 1-Aug-31 $392,599.14 75.00 0.250 0.017 0.858 8798467 1-Aug-31 $361,986.16 70.00 0.250 0.017 0.483 8799833 1-Aug-31 $399,877.38 73.09 0.250 0.017 0.858 8800803 1-Aug-31 $390,438.69 90.00 01 0.250 0.017 1.233 8801621 1-Sep-31 $622,690.43 75.60 0.250 0.017 0.733 8802170 1-Aug-31 $418,460.66 67.74 0.250 0.017 0.858 8803505 1-Oct-31 $404,066.13 80.00 0.250 0.017 0.000 8804150 1-Oct-31 $439,193.60 74.58 0.250 0.017 0.358 8805811 1-Aug-31 $327,490.89 67.04 0.250 0.017 0.608 8805872 1-Aug-31 $398,771.26 50.00 0.250 0.017 0.608 8805969 1-Aug-31 $398,771.26 65.57 0.250 0.017 0.608 8806375 1-Aug-31 $486,463.39 61.00 0.250 0.017 0.483 8808100 1-Oct-31 $430,872.74 79.99 0.250 0.017 0.108 8808771 1-Aug-31 $383,726.60 60.63 0.250 0.017 0.233 8809706 1-Aug-31 $358,749.70 79.82 0.250 0.017 0.000 8811639 1-Oct-31 $648,982.80 45.61 0.250 0.017 0.483 8812020 1-Aug-31 $947,081.76 63.55 0.250 0.017 0.608 8816874 1-Oct-21 $348,731.89 69.31 0.250 0.017 0.733 8817277 1-Aug-31 $479,734.66 78.25 0.250 0.017 0.483 8817878 1-Aug-31 $362,853.86 59.67 0.250 0.017 0.483 8818501 1-Aug-31 $368,587.09 80.00 0.250 0.017 0.483 8823241 1-Aug-31 $348,924.86 61.73 0.250 0.017 0.608 8829724 1-Oct-31 $848,636.50 77.27 0.250 0.017 0.358 8831613 1-Aug-31 $337,638.79 84.68 11 0.250 0.017 0.358 8832223 1-Oct-31 $454,054.27 78.45 0.250 0.017 0.733 8832563 1-Aug-31 $343,913.67 75.82 0.250 0.017 0.483 8832893 1-Oct-31 $768,853.53 64.17 0.250 0.017 0.733 8833494 1-Sep-31 $371,124.13 80.00 0.250 0.017 0.483 8833872 1-Sep-31 $392,484.25 80.00 0.250 0.017 0.483 8835194 1-Oct-31 $519,165.85 60.38 0.250 0.017 0.358 8835884 1-Aug-31 $458,515.41 79.31 0.250 0.017 0.358 8837249 1-Aug-31 $308,050.78 75.00 0.250 0.017 0.608 8837553 1-Aug-31 $358,866.46 78.26 0.250 0.017 0.483 8838533 1-Aug-31 $705,878.46 80.00 0.250 0.017 0.733 8839454 1-Aug-31 $451,672.94 79.96 0.250 0.017 0.858 8841758 1-Oct-31 $778,748.80 80.00 0.250 0.017 0.358 8842449 1-Sep-31 $364,856.36 59.38 0.250 0.017 0.358 8842533 1-Aug-31 $356,817.12 57.74 0.250 0.017 0.608 8843398 1-Oct-31 $350,004.54 80.00 0.250 0.017 0.483 8843727 1-Sep-31 $399,103.84 88.40 12 0.250 0.017 0.733 8843787 1-Oct-31 $408,826.72 70.00 0.250 0.017 0.233 8847379 1-Aug-31 $339,699.27 80.00 0.250 0.017 0.608 8850835 1-Oct-31 $615,036.01 80.00 0.250 0.017 0.483 8852008 1-Oct-31 $374,934.71 80.00 0.250 0.017 0.000 8852557 1-Oct-31 $499,217.55 31.25 0.250 0.017 0.483 8853790 1-Sep-31 $648,543.77 79.27 0.250 0.017 0.733 8856011 1-Sep-31 $339,238.27 60.18 0.250 0.017 0.733 8859510 1-Oct-31 $449,241.73 76.27 0.250 0.017 0.108 8859732 1-Oct-31 $912,497.25 45.70 0.250 0.017 0.233 8859973 1-Sep-31 $309,339.36 74.70 0.250 0.017 0.983 8860080 1-Sep-31 $367,111.91 80.00 0.250 0.017 0.358 8861937 1-Oct-31 $541,585.85 70.00 0.250 0.017 0.108 8863869 1-Sep-31 $597,789.21 80.00 0.250 0.017 0.483 8868346 1-Oct-31 $448,269.36 80.00 0.250 0.017 0.108 8868525 1-Oct-31 $587,146.14 58.80 0.250 0.017 0.858 8868555 1-Oct-31 $307,518.01 80.00 0.250 0.017 0.483 8869143 1-Oct-31 $509,201.90 72.86 0.250 0.017 0.483 8870406 1-Nov-31 $408,637.77 62.06 0.250 0.017 0.233 8873521 1-Oct-31 $362,431.94 66.61 0.250 0.017 0.483 8873604 1-Oct-31 $569,039.51 69.51 0.250 0.017 0.108 8874625 1-Oct-31 $610,067.31 65.00 0.250 0.017 0.608 8874723 1-Oct-31 $427,146.54 79.55 0.250 0.017 0.233 8875355 1-Aug-31 $323,054.05 71.43 0.250 0.017 0.983 8875713 1-Oct-31 $748,855.12 51.72 0.250 0.017 0.608 8876986 1-Sep-31 $350,073.81 68.80 0.250 0.017 0.483 8880930 1-Oct-31 $409,231.66 64.69 0.250 0.017 0.108 8881414 1-Oct-31 $326,662.03 80.00 0.250 0.017 0.233 8882542 1-Oct-31 $324,465.65 28.89 0.250 0.017 0.233 8883185 1-Oct-31 $302,725.51 80.00 0.250 0.017 0.483 8884687 1-Sep-31 $401,053.51 67.00 0.250 0.017 0.483 8884955 1-Oct-31 $536,779.35 80.00 0.250 0.017 0.608 8887140 1-Oct-31 $587,033.23 80.00 0.250 0.017 0.233 8888234 1-Oct-31 $329,496.24 62.99 0.250 0.017 0.608 8888632 1-Sep-31 $454,005.77 65.00 0.250 0.017 0.858 8888917 1-Oct-31 $673,168.42 75.00 0.250 0.017 0.358 8889316 1-Oct-31 $731,241.87 75.00 0.250 0.017 0.483 8890116 1-Oct-31 $382,400.63 73.80 0.250 0.017 0.483 8891396 1-Oct-31 $451,274.93 80.00 0.250 0.017 0.358 8892132 1-Oct-31 $444,031.93 61.35 0.250 0.017 0.000 8893819 1-Oct-31 $470,720.22 75.00 0.250 0.017 0.233 8895149 1-Oct-31 $470,480.71 80.00 0.250 0.017 0.608 8895985 1-Oct-31 $578,144.15 80.00 0.250 0.017 0.108 8896442 1-Sep-31 $415,220.42 75.00 0.250 0.017 0.233 8896609 1-Oct-31 $379,405.33 63.33 0.250 0.017 0.483 8897792 1-Oct-31 $400,573.87 75.00 0.250 0.017 0.108 8898321 1-Oct-31 $374,398.46 75.00 0.250 0.017 0.358 8899615 1-Oct-31 $447,316.13 80.00 0.250 0.017 0.608 8900220 1-Oct-21 $336,258.35 75.00 0.250 0.017 0.608 8901397 1-Oct-31 $404,853.04 67.67 0.250 0.017 0.483 8901576 1-Oct-31 $443,305.19 77.22 0.250 0.017 0.483 8901617 1-Oct-31 $324,465.65 33.33 0.250 0.017 0.233 8901885 1-Oct-31 $399,342.33 74.35 0.250 0.017 0.233 8902584 1-Oct-31 $324,491.41 78.31 0.250 0.017 0.483 8903554 1-Sep-31 $426,069.14 79.99 0.250 0.017 0.608 8904553 1-Sep-31 $435,933.92 80.00 0.250 0.017 0.483 8906175 1-Sep-31 $401,076.68 80.00 0.250 0.017 0.608 8907413 1-Oct-31 $399,389.39 76.92 0.250 0.017 0.608 8908034 1-Oct-31 $301,104.12 80.00 0.250 0.017 0.233 8909257 1-Oct-31 $416,347.43 73.29 0.250 0.017 0.483 8910030 1-Oct-31 $873,596.39 66.04 0.250 0.017 0.358 8910205 1-Oct-21 $405,283.84 49.05 0.250 0.017 0.233 8911023 1-Oct-31 $533,542.76 80.00 0.250 0.017 0.358 8912697 1-Oct-31 $320,030.30 66.60 0.250 0.017 0.608 8912805 1-Oct-31 $456,799.32 79.51 0.250 0.017 0.608 8912885 1-Oct-31 $398,590.63 80.00 0.250 0.017 0.608 8913242 1-Oct-31 $335,474.20 80.00 0.250 0.017 0.483 8913517 1-Oct-31 $537,746.80 79.99 0.250 0.017 0.000 8915243 1-Oct-31 $399,342.33 74.54 0.250 0.017 0.233 8916714 1-Oct-31 $317,489.91 70.67 0.250 0.017 0.358 8916825 1-Oct-31 $449,260.13 75.00 0.250 0.017 0.233 8917837 1-Oct-31 $301,075.26 80.00 0.250 0.017 0.608 8918272 1-Oct-31 $329,483.58 54.55 0.250 0.017 0.483 8920201 1-Oct-31 $334,475.76 45.58 0.250 0.017 0.483 8920283 1-Oct-31 $434,286.73 59.18 0.250 0.017 0.483 8922183 1-Oct-31 $358,810.50 78.15 0.250 0.017 0.358 8922307 1-Oct-31 $965,330.19 66.69 0.250 0.017 0.000 8923256 1-Oct-31 $603,330.77 70.00 0.250 0.017 0.358 8923424 1-Oct-31 $303,130.00 68.93 0.250 0.017 0.483 8923759 1-Oct-31 $648,982.80 52.00 0.250 0.017 0.483 8923798 1-Oct-31 $478,030.44 69.93 0.250 0.017 0.358 8924734 1-Oct-31 $598,988.97 63.16 0.250 0.017 0.108 8924787 1-Oct-31 $327,460.71 80.00 0.250 0.017 0.233 8924798 1-Oct-31 $349,438.57 39.11 0.250 0.017 0.358 8924918 1-Oct-31 $768,824.58 73.33 0.250 0.017 0.608 8925051 1-Oct-31 $334,462.61 67.00 0.250 0.017 0.358 8925094 1-Oct-31 $367,394.96 80.00 0.250 0.017 0.233 8925728 1-Oct-31 $378,102.31 61.08 0.250 0.017 0.233 8926113 1-Oct-31 $528,988.73 65.43 0.250 0.017 0.483 8926187 1-Oct-31 $321,470.58 64.40 0.250 0.017 0.233 8926473 1-Oct-31 $375,366.43 80.00 0.250 0.017 0.108 8926816 1-Oct-31 $434,302.20 66.92 0.250 0.017 0.358 8928900 1-Oct-31 $585,675.14 74.92 0.250 0.017 0.483 8930351 1-Sep-31 $362,893.56 75.00 0.250 0.017 0.483 8930759 1-Oct-31 $307,018.79 50.83 0.250 0.017 0.483 8931900 1-Oct-31 $427,546.35 77.85 0.250 0.017 0.608 8932489 1-Nov-31 $649,440.36 68.16 0.250 0.017 0.000 8932695 1-Oct-31 $321,483.49 67.08 0.250 0.017 0.358 8932940 1-Oct-31 $359,477.22 80.00 0.250 0.017 0.858 8933493 1-Oct-31 $424,301.22 47.22 0.250 0.017 0.233 8933528 1-Oct-31 $636,003.16 79.92 0.250 0.017 0.483 8934014 1-Oct-31 $454,287.97 45.50 0.250 0.017 0.483 8935317 1-Oct-31 $748,826.33 46.88 0.250 0.017 0.483 8935403 1-Oct-31 $368,307.49 58.11 0.250 0.017 0.358 8935905 1-Oct-31 $384,382.41 70.00 0.250 0.017 0.358 8936587 1-Oct-31 $446,300.49 21.29 0.250 0.017 0.483 8936745 1-Oct-31 $399,001.56 61.54 0.250 0.017 0.233 8936902 1-Oct-31 $363,430.38 74.90 0.250 0.017 0.483 8936992 1-Oct-31 $335,461.02 80.00 0.250 0.017 0.358 8937472 1-Oct-31 $332,438.88 67.68 0.250 0.017 0.108 8937508 1-Oct-31 $475,255.10 68.00 0.250 0.017 0.483 8938195 1-Oct-31 $319,499.24 41.29 0.250 0.017 0.483 8938592 1-Oct-31 $1,198,168.19 60.00 0.250 0.017 0.608 8939587 1-Nov-31 $362,595.12 78.89 0.250 0.017 0.108 9163603 1-Nov-31 $649,480.21 76.02 0.250 0.017 0.358 9165200 1-Nov-31 $389,626.36 77.22 0.250 0.017 0.233 9192501 1-Oct-31 $304,397.93 62.24 0.250 0.017 0.233 9204637 1-Nov-31 $434,035.05 80.00 0.250 0.017 0.108 9220259 1-Nov-31 $974,180.88 65.00 0.250 0.017 0.108 9220321 1-Nov-31 $539,546.33 68.35 0.250 0.017 0.108 9227989 1-Nov-31 $505,574.90 46.00 0.250 0.017 0.108 9231200 1-Nov-31 $329,329.83 80.00 0.250 0.017 0.233 9239847 1-Dec-31 $390,000.00 70.91 0.250 0.017 0.108 9257171 1-Dec-31 $311,000.00 64.26 0.250 0.017 0.233 9259112 1-Nov-31 $359,697.55 80.00 0.250 0.017 0.108 9261843 1-Oct-31 $551,656.60 65.00 0.250 0.017 0.608 9263419 1-Nov-31 $342,262.22 54.81 0.250 0.017 0.108 9263518 1-Oct-31 $614,987.18 70.00 0.250 0.017 0.233 9266289 1-Nov-31 $390,187.72 55.79 0.250 0.017 0.358 9266909 1-Nov-31 $350,712.28 69.92 0.250 0.017 0.233 9272933 1-Nov-31 $311,744.25 62.40 0.250 0.017 0.233 9274002 1-Nov-31 $332,570.36 75.00 0.250 0.017 0.108 9274358 1-Nov-31 $324,726.96 74.71 0.250 0.017 0.108 9275116 1-Nov-31 $446,134.00 69.77 0.250 0.017 0.233 9275637 1-Dec-31 $979,500.00 69.32 0.250 0.017 0.000 9278346 1-Nov-31 $322,804.18 61.53 0.250 0.017 0.608 9279688 1-Nov-31 $764,341.35 61.20 0.250 0.017 0.000 9280124 1-Nov-31 $388,225.79 66.30 0.250 0.017 0.983 9281122 1-Nov-31 $339,721.30 45.33 0.250 0.017 0.233 9282773 1-Dec-31 $435,000.00 55.06 0.250 0.017 0.233 9284043 1-Nov-31 $699,411.91 70.00 0.250 0.017 0.108 9286808 1-Nov-31 $459,613.54 63.89 0.250 0.017 0.108 9289729 1-Nov-31 $433,607.65 70.00 0.250 0.017 0.000 9290495 1-Nov-31 $386,690.51 75.00 0.250 0.017 0.358 9290578 1-Dec-31 $447,000.00 73.88 0.250 0.017 0.000 9298548 1-Nov-31 $374,684.95 54.74 0.250 0.017 0.108 9298803 1-Nov-31 $310,251.14 90.00 06 0.250 0.017 0.358 9301870 1-Nov-31 $305,749.17 80.00 0.250 0.017 0.233 9302266 1-Nov-31 $404,651.30 62.89 0.250 0.017 0.000 9304338 1-Nov-31 $349,705.96 63.64 0.250 0.017 0.108 9306501 1-Dec-31 $435,000.00 66.92 0.250 0.017 0.108 9310632 1-Nov-31 $441,619.44 66.97 0.250 0.017 0.000 9311614 1-Nov-31 $539,546.33 80.00 0.250 0.017 0.108 9311697 1-Nov-31 $309,739.56 82.23 01 0.250 0.017 0.108 9314618 1-Nov-31 $386,674.87 84.13 01 0.250 0.017 0.108 9316530 1-Nov-31 $487,000.40 75.00 0.250 0.017 0.233 9321381 1-Nov-31 $387,665.94 80.00 0.250 0.017 0.000 9325546 1-Nov-31 $548,538.77 61.00 0.250 0.017 0.108 9325567 1-Oct-31 $399,389.39 54.79 0.250 0.017 0.608 9325689 1-Nov-31 $409,663.93 79.61 0.250 0.017 0.233 9325926 1-Oct-31 $459,262.10 66.67 0.250 0.017 0.358 9326709 1-Dec-31 $427,500.00 75.00 0.250 0.017 0.233 9327420 1-Nov-31 $647,155.85 48.88 0.250 0.017 0.108 9327480 1-Oct-31 $317,003.14 53.81 0.250 0.017 0.483 9327618 1-Oct-31 $360,905.63 53.96 0.250 0.017 0.233 9327653 1-Nov-31 $329,086.62 73.19 0.250 0.017 0.358 9328309 1-Nov-31 $444,144.54 70.00 0.250 0.017 0.358 9328456 1-Oct-31 $451,327.00 68.48 0.250 0.017 0.733 9328460 1-Oct-31 $567,132.93 63.11 0.250 0.017 0.608 9329058 1-Nov-31 $336,230.90 73.47 0.250 0.017 0.358 9329059 1-Nov-31 $499,579.93 68.87 0.250 0.017 0.108 9329089 1-Oct-31 $361,390.00 47.01 0.250 0.017 0.108 9329673 1-Nov-31 $499,569.51 59.17 0.250 0.017 0.000 9329885 1-Oct-31 $385,410.76 67.13 0.250 0.017 0.608 9330004 1-Oct-31 $318,944.60 62.26 0.250 0.017 0.000 9330070 1-Oct-31 $587,009.17 48.00 0.250 0.017 0.108 9330073 1-Oct-31 $396,378.73 28.56 0.250 0.017 0.483 9330246 1-Oct-31 $361,447.39 55.69 0.250 0.017 0.608 9330346 1-Nov-31 $423,652.44 74.39 0.250 0.017 0.233 9330711 1-Oct-31 $447,598.45 68.97 0.250 0.017 0.483 9330780 1-Oct-31 $434,211.37 29.49 0.250 0.017 0.000 9330886 1-Oct-31 $384,366.98 65.25 0.250 0.017 0.233 9331033 1-Nov-31 $303,744.60 80.00 0.250 0.017 0.108 9331093 1-Nov-31 $339,728.10 59.65 0.250 0.017 0.358 9331287 1-Nov-31 $423,877.21 79.29 0.250 0.017 0.608 9331289 1-Nov-31 $592,513.92 69.76 0.250 0.017 0.233 9331298 1-Oct-31 $611,992.11 44.42 0.250 0.017 0.233 9331367 1-Nov-31 $374,692.61 34.09 0.250 0.017 0.233 9332019 1-Oct-31 $431,307.01 60.00 0.250 0.017 0.358 9332035 1-Nov-31 $392,558.24 26.53 0.250 0.017 0.358 9332060 1-Nov-31 $624,210.94 48.08 0.250 0.017 0.358 9332080 1-Nov-31 $312,880.73 75.00 0.250 0.017 0.483 9332089 1-Nov-31 $304,762.07 70.11 0.250 0.017 0.483 9332113 1-Oct-31 $340,741.90 73.39 0.250 0.017 0.733 9332145 1-Oct-31 $873,596.39 62.95 0.250 0.017 0.358 9332348 1-Oct-31 $783,740.77 67.67 0.250 0.017 0.358 9332389 1-Nov-31 $346,016.13 28.98 0.250 0.017 0.233 9332403 1-Nov-31 $337,729.71 41.73 0.250 0.017 0.358 9332652 1-Nov-31 $472,131.40 52.21 0.250 0.017 0.483 9332711 1-Oct-31 $399,342.33 42.11 0.250 0.017 0.233 9332723 1-Oct-31 $466,269.18 66.71 0.250 0.017 0.483 9332831 1-Oct-31 $445,284.56 56.46 0.250 0.017 0.358 9332944 1-Oct-31 $477,270.32 78.36 0.250 0.017 0.608 9332950 1-Oct-31 $540,110.50 68.05 0.250 0.017 0.233 9333670 1-Oct-31 $514,106.20 58.52 0.250 0.017 0.358 9333842 1-Oct-31 $367,424.11 51.98 0.250 0.017 0.483 9333865 1-Nov-31 $366,691.67 74.90 0.250 0.017 0.108 9334071 1-Nov-31 $549,560.17 39.57 0.250 0.017 0.358 9334481 1-Nov-31 $539,557.36 67.25 0.250 0.017 0.233 9334643 1-Nov-31 $349,705.96 58.33 0.250 0.017 0.108 9334691 1-Nov-31 $649,492.93 54.17 0.250 0.017 0.483 9334714 1-Nov-31 $411,662.28 63.38 0.250 0.017 0.233 9334895 1-Oct-31 $405,364.64 70.00 0.250 0.017 0.483 9334972 1-Nov-31 $713,483.23 71.76 0.250 0.017 0.858 9335153 1-Oct-31 $352,932.94 79.99 0.250 0.017 0.358 9335244 1-Nov-31 $317,751.93 67.66 0.250 0.017 0.483 9335311 1-Nov-31 $503,576.57 68.11 0.250 0.017 0.108 9335775 1-Nov-31 $624,487.69 67.57 0.250 0.017 0.233 9335818 1-Oct-31 $452,255.19 57.34 0.250 0.017 0.233 9335826 1-Oct-31 $611,191.20 40.83 0.250 0.017 0.233 9335919 1-Nov-31 $360,451.38 53.78 0.250 0.017 0.358 9336231 1-Nov-31 $450,630.31 74.79 0.250 0.017 0.233 9336405 1-Nov-31 $569,509.24 67.46 0.250 0.017 0.000 9336417 1-Oct-31 $409,358.37 75.09 0.250 0.017 0.483 9336444 1-Oct-31 $390,341.12 60.15 0.250 0.017 0.108 9336470 1-Nov-31 $368,182.72 60.41 0.250 0.017 0.000 9336568 1-Oct-31 $369,376.52 78.72 0.250 0.017 0.108 9336632 1-Nov-31 $712,929.43 31.71 0.250 0.017 0.358 9336715 1-Nov-31 $349,406.21 69.38 0.250 0.017 0.108 9336878 1-Oct-31 $599,171.45 63.42 0.250 0.017 1.108 9337669 1-Oct-31 $648,874.58 59.09 0.250 0.017 0.108 9337867 1-Oct-31 $550,094.06 68.88 0.250 0.017 0.233 9337887 1-Oct-31 $374,352.44 65.22 0.250 0.017 0.000 9337917 1-Nov-31 $558,364.08 55.88 0.250 0.017 0.483 9337922 1-Nov-31 $401,701.65 32.16 0.250 0.017 0.733 9337979 1-Oct-31 $988,911.10 70.00 0.250 0.017 0.358 9338014 1-Oct-31 $407,597.32 69.91 0.250 0.017 0.000 9338040 1-Oct-31 $362,373.16 67.60 0.250 0.017 0.000 9338082 1-Oct-31 $463,237.10 80.00 0.250 0.017 0.233 9338124 1-Nov-31 $436,632.87 48.56 0.250 0.017 0.108 9338136 1-Nov-31 $629,496.20 72.00 0.250 0.017 0.358 9338168 1-Nov-31 $332,694.32 52.03 0.250 0.017 0.233 9338227 1-Oct-31 $648,877.57 59.91 0.250 0.017 0.000 9338375 1-Oct-31 $494,225.36 67.81 0.250 0.017 0.483 9338408 1-Nov-31 $349,713.11 76.92 0.250 0.017 0.233 9338412 1-Nov-31 $736,395.89 46.06 0.250 0.017 0.233 9338455 1-Nov-31 $449,640.14 64.29 0.250 0.017 0.358 9338524 1-Oct-31 $402,153.86 69.93 0.250 0.017 0.358 9338525 1-Nov-31 $349,713.11 58.33 0.250 0.017 0.233 9338608 1-Oct-31 $595,020.07 66.22 0.250 0.017 0.233 9338639 1-Nov-31 $409,655.55 53.91 0.250 0.017 0.108 9338892 1-Nov-31 $444,535.32 65.43 0.250 0.017 0.233 9338907 1-Nov-31 $309,726.49 72.96 0.250 0.017 0.000 9339176 1-Nov-31 $319,744.10 80.00 0.250 0.017 0.358 9339370 1-Oct-31 $499,197.93 66.67 0.250 0.017 0.358 9339374 1-Oct-31 $392,337.77 67.18 0.250 0.017 0.108 9339421 1-Oct-31 $723,748.06 65.91 0.250 0.017 0.000 9339471 1-Oct-31 $437,279.85 67.38 0.250 0.017 0.233 9339478 1-Nov-31 $488,599.17 77.62 0.250 0.017 0.233 9339506 1-Nov-31 $442,128.25 75.00 0.250 0.017 0.108 9339579 1-Oct-26 $344,178.90 60.00 0.250 0.017 0.483 9339688 1-Nov-31 $421,145.88 63.86 0.250 0.017 0.108 9339715 1-Nov-31 $803,372.80 69.97 0.250 0.017 0.483 9339770 1-Nov-31 $389,680.32 69.03 0.250 0.017 0.233 9339865 1-Nov-31 $399,663.95 60.15 0.250 0.017 0.108 9339874 1-Nov-31 $609,499.98 75.87 0.250 0.017 0.233 9339947 1-Oct-31 $404,283.38 54.00 0.250 0.017 0.000 9339977 1-Nov-31 $369,704.12 58.27 0.250 0.017 0.358 9339986 1-Nov-31 $479,596.74 51.34 0.250 0.017 0.108 9339988 1-Nov-31 $609,512.19 46.92 0.250 0.017 0.358 9339993 1-Oct-31 $348,746.73 79.99 0.250 0.017 0.000 9340049 1-Nov-31 $396,166.88 50.51 0.250 0.017 0.108 9340052 1-Oct-31 $315,467.52 80.00 0.250 0.017 0.108 9340257 1-Nov-31 $357,206.96 77.72 0.250 0.017 0.233 9340269 1-Nov-31 $528,337.52 75.00 0.250 0.017 0.483 9340295 1-Oct-31 $353,018.63 80.00 0.250 0.017 0.233 9340399 1-Dec-31 $464,500.00 62.77 0.250 0.017 0.000 9340489 1-Nov-31 $339,728.10 79.07 0.250 0.017 0.358 9340508 1-Oct-31 $464,734.63 70.00 0.250 0.017 0.233 9340534 1-Nov-31 $640,461.48 42.73 0.250 0.017 0.108 9340662 1-Nov-31 $382,178.65 75.00 0.250 0.017 0.108 9341087 1-Nov-31 $499,590.15 54.95 0.250 0.017 0.233 9341155 1-Nov-31 $564,536.87 62.78 0.250 0.017 0.233 9341246 1-Nov-31 $382,030.06 70.00 0.250 0.017 0.108 9341316 1-Nov-31 $649,467.20 78.79 0.250 0.017 0.233 9341561 1-Nov-31 $507,573.22 80.00 0.250 0.017 0.108 9341581 1-Nov-31 $347,607.72 79.99 0.250 0.017 0.108 9342231 1-Nov-31 $325,239.70 61.42 0.250 0.017 0.358 9342262 1-Dec-31 $348,000.00 56.59 0.250 0.017 0.233 9342325 1-Oct-31 $337,471.05 73.02 0.250 0.017 0.483 9342348 1-Oct-31 $449,222.92 46.63 0.250 0.017 0.000 9342585 1-Dec-31 $507,000.00 72.43 0.250 0.017 0.358 9343108 1-Nov-31 $329,755.09 55.00 0.250 0.017 0.733 9343189 1-Oct-31 $998,355.82 62.50 0.250 0.017 0.233 9343277 1-Nov-31 $499,609.94 78.74 0.250 0.017 0.483 9343290 1-Oct-31 $347,413.59 80.00 0.250 0.017 0.108 9343386 1-Oct-31 $411,823.67 51.11 0.250 0.017 0.233 9343678 1-Nov-31 $649,467.20 60.47 0.250 0.017 0.233 9346496 1-Dec-31 $550,000.00 34.38 0.250 0.017 0.358 9347585 1-Dec-31 $310,000.00 36.47 0.250 0.017 0.108 9347764 1-Dec-31 $410,000.00 68.33 0.250 0.017 0.233 9348015 1-Nov-31 $353,709.83 67.43 0.250 0.017 0.233 9348417 1-Dec-31 $390,000.00 69.03 0.250 0.017 0.000 9348461 1-Nov-31 $304,767.92 88.41 12 0.250 0.017 0.608 9349371 1-Nov-31 $411,953.62 45.81 0.250 0.017 0.108 9349545 1-Nov-31 $356,592.71 69.98 0.250 0.017 0.000 9349954 1-Dec-31 $318,700.00 74.99 0.250 0.017 0.108 9350802 1-Nov-31 $423,634.94 56.53 0.250 0.017 0.000 9351204 1-Dec-31 $356,000.00 76.56 0.250 0.017 0.358 9352048 1-Dec-31 $540,000.00 63.53 0.250 0.017 0.233 9352386 1-Nov-31 $318,725.35 69.80 0.250 0.017 0.000 9352419 1-Nov-31 $405,658.90 67.67 0.250 0.017 0.108 9353152 1-Nov-31 $735,381.67 68.15 0.250 0.017 0.108 9353899 1-Dec-31 $544,000.00 67.16 0.250 0.017 0.233 9354105 1-Dec-31 $330,000.00 75.00 0.250 0.017 0.108 9355427 1-Dec-31 $510,000.00 64.56 0.250 0.017 0.108 9357426 1-Nov-31 $444,607.39 59.33 0.250 0.017 0.000 9358117 1-Dec-31 $400,000.00 80.00 0.250 0.017 0.108 9358433 1-Nov-31 $439,648.13 48.89 0.250 0.017 0.358 9358864 1-Dec-31 $800,000.00 62.75 0.250 0.017 0.233 9359483 1-Nov-31 $349,705.96 72.92 0.250 0.017 0.108 9359863 1-Nov-31 $360,218.77 75.89 0.250 0.017 0.483 9359905 1-Nov-31 $378,689.33 43.31 0.250 0.017 0.233 9360142 1-Nov-31 $581,461.09 74.61 0.250 0.017 0.108 9360147 1-Nov-31 $338,308.47 57.39 0.250 0.017 0.000 9360329 1-Nov-31 $303,744.60 57.36 0.250 0.017 0.108 9360759 1-Nov-31 $346,708.47 78.86 0.250 0.017 0.108 9360806 1-Nov-31 $403,660.58 42.53 0.250 0.017 0.108 9360886 1-Nov-31 $449,602.97 36.00 0.250 0.017 0.000 9361004 1-Dec-31 $490,000.00 39.36 0.250 0.017 0.000 9361046 1-Dec-31 $565,000.00 78.47 0.250 0.017 0.483 9361812 1-Dec-31 $365,000.00 52.14 0.250 0.017 0.108 9361863 1-Dec-31 $375,000.00 70.09 0.250 0.017 0.108 9362041 1-Dec-31 $578,400.00 68.53 0.250 0.017 0.483 9362962 1-Nov-31 $337,209.42 68.88 0.250 0.017 0.000 9363204 1-Dec-31 $467,000.00 67.68 0.250 0.017 0.358 9364499 1-Nov-31 $349,740.25 77.78 0.250 0.017 0.733 9440802 1-Dec-31 $475,000.00 79.17 0.250 0.017 0.483 9869174 1-Dec-31 $366,600.00 76.86 0.250 0.017 0.483 9869685 1-Dec-31 $493,500.00 70.00 0.250 0.017 0.000 9873578 1-Dec-31 $1,000,000.00 54.20 0.250 0.017 0.108 9874527 1-Dec-31 $390,350.00 79.99 0.250 0.017 0.733 9876987 1-Dec-31 $374,000.00 80.00 0.250 0.017 0.000 $850,669,739.00 COUNT: 1902 WAC: 7.012462479 WAM: 357.4677284 WALTV: 65.74788733
EXHIBIT F-2 [Schedule of Type 2 Mortgage Loans]
WFMBS WFMBS 2001-31 EXHIBIT F-2 30 YEAR FIXED RATE NON-RELOCATION LOANS (i) (ii) (iii) (iv) (v) (vi) (vii) ----- ------------------------------ ----- -------- -------- -------- ---------- -------- NET MORTGAGE MORTGAGE MORTGAGE CURRENT ORIGINAL LOAN ZIP PROPERTY INTEREST INTEREST MONTHLY TERM TO NUMBER CITY STATE CODE TYPE RATE RATE PAYMENT MATURITY -------- ------------------------------ ----- -------- -------- -------- ---------- -------- 4267761 WEST LAKELAND TWP MN 55402 SFD 6.875 6.500 $2,046.33 360 8671225 MINNETONKA MN 55345 SFD 7.875 6.500 $2,581.25 360
WFMBS WFMBS 2001-31 EXHIBIT F-2 30 YEAR FIXED RATE NON-RELOCATION LOANS (i) (viii) (ix) (x) (xi) (xii) (xiii) (xiv) (xv) ----- ---------- ---------- -------- -------- ---------- -------- --------- ----------- CUT-OFF MORTGAGE SCHEDULED DATE MORTGAGE MASTER FIXED LOAN MATURITY PRINCIPAL INSURANCE SERVICE SERVICE RETAINED NUMBER DATE BALANCE LTV SUBSIDY CODE FEE FEE YIELD -------- ----------- ---------- -------- -------- ---------- -------- --------- ----------- 4267761 1-Nov-31 $311,238.31 79.14 0.250 0.017 0.108 8671225 1-Jun-31 $353,818.49 79.11 0.250 0.017 1.108 $665,056.80 COUNT: 2 WAC : 7.407012439 WAM : 356.3399378 WALTV: 79.12403963
EXHIBIT F-3 [Schedule of Other Servicer Mortgage Loans]
WFMBS WFMBS 2001-31 EXHIBIT F-3 30 YEAR FIXED RATE NON-RELOCATION LOANS (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) ----- -------------------------------- ----- -------- -------- -------- ---------- -------- ----------- NET MORTGAGE MORTGAGE MORTGAGE CURRENT ORIGINAL SCHEDULED LOAN ZIP PROPERTY INTEREST INTEREST MONTHLY TERM TO MATURITY NUMBER CITY STATE CODE TYPE RATE RATE PAYMENT MATURITY DATE -------- -------------------------------- ----- -------- -------- -------- --------- -------- ----------- 4271224 ASBURY NJ 08802 SFD 7.500 6.500 $2,167.56 360 1-Aug-31 4282330 ROCKVILLE MD 20850 SFD 7.500 6.500 $3,015.36 360 1-Sep-31 4315338 SUNNYVALE CA 94086 SFD 6.750 6.483 $2,089.79 360 1-Oct-31 4323398 NEW ORLEANS LA 70130 LCO 7.250 6.500 $2,675.30 338 1-Dec-29 4323634 EDGEWATER MD 21037 SFD 7.500 6.500 $2,202.53 360 1-Jul-31 4323863 GERMANTOWN TN 38139 SFD 7.750 6.500 $2,385.65 360 1-Jul-31 4324337 WATERFORD VA 20197 SFD 7.125 6.500 $4,252.51 360 1-Oct-31 4324607 DAVIE FL 33330 SFD 7.000 6.500 $2,548.11 360 1-Nov-31 4326489 CABIN JOHN MD 20818 SFD 7.125 6.500 $3,031.73 360 1-Oct-31 4328389 COLUMBUS OH 43221 SFD 7.375 6.500 $2,431.18 360 1-Oct-31 4328988 OAKTON VA 22124 SFD 7.250 6.500 $2,626.38 360 1-Oct-31 4331943 LEESBURG VA 20175 SFD 7.125 6.500 $2,964.36 360 1-Oct-31 4339858 MIDDLEBURG VA 20117 SFD 7.000 6.500 $2,661.21 360 1-Oct-31 4352690 MANITOWISH WATERS WI 54545 SFD 7.500 6.500 $2,102.89 360 1-Aug-31 4352956 VENUS TX 76084 SFD 7.375 6.500 $2,177.70 360 1-Jul-31 4353620 ASBURY NJ 08802 SFD 6.750 6.483 $1,997.04 360 1-Oct-31 4353805 BONITA SPRINGS FL 34134 LCO 7.375 6.500 $2,161.82 360 1-Oct-31 4363650 WHEATON IL 60187 SFD 7.500 6.500 $2,187.84 360 1-Aug-31 4363658 EVANSTON IL 60201 SFD 7.375 6.500 $2,028.68 350 1-May-30 4364950 GLENWOOD SPRINGS CO 81601 SFD 6.875 6.500 $1,057.66 360 1-Nov-31 4365738 SOUTH ELGIN IL 60177 SFD 7.500 6.500 $1,957.80 360 1-Aug-31 4365892 WESTMONT IL 60559 SFD 7.375 6.500 $3,066.59 360 1-Sep-31 4365922 LOCKPORT IL 60441 SFD 7.500 6.500 $5,593.71 360 1-Sep-31 4365928 DOWNERS GROVE IL 60516 SFD 7.250 6.500 $2,987.93 360 1-Oct-31 4366956 CHICAGO IL 60605 SFD 6.750 6.483 $1,904.94 360 1-Oct-31 4372786 ARLINGTON VA 22202 SFD 8.050 6.500 $2,801.56 360 1-Sep-31 4377048 LAS VEGAS NV 89135 SFD 7.250 6.500 $4,434.15 360 1-Sep-31 4377121 BLUE BELL PA 19422 SFD 7.000 6.500 $2,943.30 360 1-Sep-31 4377208 WESTPORT CT 06880 SFD 7.250 6.500 $3,596.44 360 1-Sep-31 4377887 INDEPENDENCE IA 50644 SFD 7.250 6.500 $3,717.86 360 1-Sep-31 4377904 MARLBORO TWP NJ 07751 SFD 7.500 6.500 $2,740.92 360 1-Sep-31 4377956 CANTON MI 48188 SFD 8.125 6.500 $2,968.50 360 1-Jul-31 4394857 CORPUS CHRISTI TX 78418 SFD 7.250 6.500 $2,619.56 360 1-Sep-31 4394886 TENAFLY NJ 07670 SFD 7.250 6.500 $3,044.22 360 1-Sep-31 4394961 BRIGHTON MI 48116 SFD 7.500 6.500 $2,985.65 360 1-Sep-31 4394990 SIMSBURY CT 06089 SFD 7.750 6.500 $2,292.52 360 1-Sep-31 4395042 PRINCETON NJ 08540 SFD 7.000 6.500 $2,594.68 360 1-Sep-31 4395078 SUNNYVALE TX 75182 SFD 7.375 6.500 $3,632.95 360 1-Sep-31 4395105 GRAIN VALLEY MO 64029 SFD 7.375 6.500 $2,016.77 360 1-Sep-31 4395148 COTO DE CAZA CA 92679 SFD 7.250 6.500 $2,694.60 360 1-Sep-31 4397110 NAPLES FL 34109 SFD 7.375 6.500 $5,611.74 360 1-Sep-31 4397139 HARTLAND CT 06027 SFD 7.375 6.500 $2,141.10 360 1-Sep-31 4397166 BIRMINGHAM AL 35223 SFD 7.250 6.500 $3,690.57 360 1-Sep-31 4397184 SAMMAMISH WA 98074 SFD 7.125 6.500 $2,424.71 360 1-Sep-31 4397263 SEATTLE WA 98112 LCO 7.000 6.500 $1,979.95 360 1-Sep-31 4397269 SUWANEE GA 30024 SFD 7.750 6.500 $2,955.21 360 1-Jul-31 4397281 THOUSAND OAKS CA 91361 PUD 8.000 6.500 $4,662.34 360 1-Oct-31 4397286 HARRINGTON PARK NJ 07640 SFD 7.250 6.500 $2,483.12 360 1-Jul-31 4397288 ABILENE TX 79602 SFD 7.500 6.500 $3,831.70 360 1-Sep-31 4397320 MAITLAND FL 32751 SFD 7.375 6.500 $3,315.24 360 1-May-31 4397346 AUSTIN TX 78734 SFD 7.250 6.500 $2,646.84 360 1-Sep-31 4397489 BARRINGTON HILLS IL 60010 SFD 7.375 6.500 $4,213.12 360 1-Sep-31 4400617 CLARENDON HILLS IL 60514 SFD 6.875 6.500 $1,880.13 360 1-Nov-31 4400845 MEQUON WI 53092 SFD 7.750 6.500 $3,152.21 360 1-Sep-31 4403056 ARLINGTON NE 68002 SFD 7.500 6.500 $2,027.72 360 1-Oct-31 4403188 PARAMUS NJ 07652 SFD 7.750 6.500 $4,119.38 360 1-Jul-31 4403218 MADISON WI 53717 SFD 7.250 6.500 $2,865.15 360 1-Oct-31 4403340 GREENCASTLE IN 46135 SFD 7.875 6.500 $2,537.75 360 1-Sep-31 4403351 LINCOLN NE 68516 SFD 7.375 6.500 $2,063.05 360 1-Sep-31 4403369 ROCKVILLE CENTRE NY 11570 SFD 7.500 6.500 $2,034.71 360 1-Sep-31 4403392 LAGUNA BEACH CA 92651 SFD 7.250 6.500 $4,093.06 360 1-Oct-31 4404485 SAN CLEMENTE CA 92673 SFD 8.250 6.500 $2,967.50 360 1-Sep-31 4404494 SAN FRANCISCO CA 94112 SFD 7.875 6.500 $2,291.22 360 1-Oct-31 4404496 WEST BLOOMFIELD MI 48323 SFD 7.375 6.500 $2,500.25 360 1-Oct-31 4404516 SAN CLEMENTE CA 92673 SFD 7.250 6.500 $3,144.83 360 1-Oct-31 4404522 EAST GREENVILLE PA 18041 SFD 7.125 6.500 $2,021.16 360 1-Oct-31 4409137 JACKSONVILLE BEACH FL 32250 SFD 7.500 6.500 $2,237.49 360 1-May-31 4409162 HAYMARKET VA 20169 SFD 7.125 6.500 $2,007.01 360 1-Oct-31 4420829 NIXA MO 65714 SFD 7.625 6.500 $2,196.99 360 1-Oct-31 4420864 AMHERST NH 03031 SFD 7.000 6.500 $2,128.31 360 1-Sep-31 4420917 HIGHLANDS RANCH CO 80129 SFD 7.250 6.500 $2,136.58 360 1-Oct-31 4420983 POPLAR GROVE IL 61065 SFD 7.250 6.500 $4,434.15 360 1-Sep-31 4421052 NORFOLK MA 02056 SFD 7.375 6.500 $2,451.90 360 1-Oct-31 4421204 SHELTON CT 06484 SFD 7.000 6.500 $2,541.46 360 1-Oct-31 4421241 NORWALK CT 06851 SFD 7.000 6.500 $1,979.95 360 1-Oct-31 4422460 CLERMONT FL 34711 PUD 7.375 6.500 $2,113.47 360 1-May-31 4422469 BELVIDERE IL 61008 SFD 7.625 6.500 $2,378.19 360 1-Sep-31 4422470 TROY MI 48098 SFD 7.875 6.500 $2,697.26 360 1-Jul-31 4422484 SUPERIOR CO 80027 SFD 7.000 6.500 $2,075.74 360 1-Oct-31 4422485 EDEN PRAIRIE MN 55346 SFD 7.625 6.500 $2,382.43 360 1-Jul-31 4422492 RENTON WA 98056 SFD 7.250 6.500 $2,693.92 360 1-Sep-31 4422494 WARREN OR 97053 SFD 7.250 6.500 $2,217.08 360 1-Sep-31 4422495 SEATTLE WA 98105 SFD 7.375 6.500 $2,514.06 360 1-Sep-31 4422499 TROY MI 48083 SFD 7.250 6.500 $2,674.64 240 1-Sep-21 4422760 CHEBOYGAN MI 49721 SFD 7.625 6.500 $3,185.07 360 1-Sep-31 4422793 CAMPBELL CA 95008 SFD 7.000 6.500 $2,494.88 360 1-Oct-31 4422904 LONG BRANCH NJ 07740 HCO 7.375 6.500 $2,564.13 360 1-Oct-31 4423023 ORANGE CA 92869 SFD 7.375 6.500 $2,718.50 360 1-Sep-31 4425657 WENHAM MA 01984 SFD 7.625 6.500 $2,831.18 360 1-Apr-31 4425685 LOS ANGELES CA 90045 SFD 7.250 6.500 $2,428.55 360 1-Jun-31 4425705 GAITHERSBURG MD 20882 SFD 7.750 6.500 $2,124.17 360 1-Aug-31 4425796 DALLAS TX 75230 SFD 7.125 6.500 $2,856.57 360 1-Sep-31 4425819 SAN DIEGO CA 92128 SFD 7.000 6.483 $2,035.83 360 1-Oct-31 4425904 PIEDMONT CA 94611 SFD 7.125 6.500 $2,149.17 360 1-Oct-31 4425945 OAK BROOK IL 60523 SFD 7.750 6.500 $6,612.49 360 1-Oct-31 4425966 MURRIETA CA 92562 SFD 7.250 6.500 $2,331.68 360 1-Oct-31 4425980 FULLERTON CA 92835 SFD 6.875 6.483 $3,373.99 360 1-Oct-31 4426085 POTOMAC MD 20854 SFD 7.375 6.500 $3,149.48 360 1-Sep-31 4426130 LAGUNA BEACH CA 92651 SFD 7.375 6.500 $4,420.32 360 1-Sep-31 4426152 WALNUT CREEK CA 94595 SFD 7.000 6.483 $2,661.21 360 1-Oct-31 4426166 DALY CITY CA 94014 SFD 7.125 6.500 $2,425.39 360 1-Oct-31 4426200 NEWPORT COAST CA 92657 SFD 7.250 6.500 $3,950.48 360 1-Oct-31 4426254 AGOURA HILLS CA 91301 SFD 7.125 6.500 $3,247.33 360 1-Oct-31 4426279 HUNTINGTON BEACH CA 92648 SFD 7.250 6.500 $3,172.12 360 1-Oct-31 4426298 SANTA CLARA CA 95051 SFD 7.375 6.500 $2,417.37 360 1-Oct-31 4426311 DANVILLE CA 94526 SFD 7.250 6.500 $3,492.74 360 1-Sep-31 4426348 COLUMBIA MD 21044 SFD 7.250 6.500 $1,975.59 360 1-Sep-31 4426575 ORINDA CA 94563 SFD 7.125 6.500 $4,379.18 360 1-Oct-31 4426702 SAN MATEO CA 94401 LCO 7.250 6.500 $2,286.66 360 1-Sep-31 4426774 IRVINE CA 92604 SFD 7.000 6.483 $2,062.44 360 1-Oct-31 4426842 SAN JOSE CA 95123 SFD 7.125 6.500 $2,371.49 360 1-Oct-31 4429694 OLDSMAR FL 34677 SFD 6.875 6.483 $1,931.37 360 1-Nov-31 4430248 HUNTINGTON BEACH CA 92649 SFD 6.750 6.483 $2,283.07 360 1-Nov-31 4431404 LOS ANGELES CA 90066 SFD 6.750 6.483 $2,691.34 360 1-Nov-31 4431465 COCOA FL 32926 SFD 7.125 6.500 $2,829.62 360 1-Nov-31 4438125 VINEYARD HAVEN MA 02568 SFD 7.825 6.500 $2,760.13 360 1-Nov-31 4438128 HAYMARKET VA 21069 SFD 7.050 6.483 $2,409.86 360 1-Oct-31 4438561 MANASSAS VA 20112 SFD 7.900 6.500 $2,387.56 360 1-Oct-31 4438761 REISTERSTOWN MD 21136 SFD 7.450 6.500 $3,019.07 360 1-Oct-31 4438830 NEWPORT NEWS VA 23606 SFD 7.300 6.500 $1,974.44 360 1-Oct-31 4442134 SHELTON CT 06484 SFD 7.000 6.500 $2,062.44 360 1-Oct-31 4442162 CONYERS GA 30013 SFD 7.500 6.500 $2,258.46 360 1-Oct-31 5948186 DRIPPING SPRINGS TX 78620 SFD 7.625 6.500 $2,355.54 360 1-Apr-31
WFMBS WFMBS 2001-31 EXHIBIT F-3 30 YEAR FIXED RATE NON-RELOCATION LOANS (continued) (i) (ix) (x) (xi) (xii) (xiii) (xiv) (xv) ----- -------------- ------ --------- ---------- -------- ----------- -------- CUT-OFF MORTGAGE DATE MORTGAGE MASTER FIXED LOAN PRINCIPAL INSURANCE SERVICE SERVICE RETAINE NUMBER BALANCE LTV SUBSIDY CODE FEE FEE YIELD -------- -------------- ------ --------- ---------- -------- ----------- -------- 4271224 $309,071.10 72.94 0.250 0.017 0.733 4282330 $430,283.84 75.00 0.250 0.017 0.733 4315338 $321,643.61 72.00 0.250 0.017 0.000 4323398 $384,295.77 76.39 0.250 0.017 0.483 4323634 $313,816.34 84.00 6 0.250 0.017 0.733 4323863 $331,661.54 90.00 13 0.250 0.017 0.983 4324337 $630,187.48 80.00 0.250 0.017 0.358 4324607 $382,686.06 60.22 0.250 0.017 0.233 4326489 $449,278.16 58.06 0.250 0.017 0.358 4328389 $351,462.66 69.02 0.250 0.017 0.608 4328988 $384,397.51 70.13 0.250 0.017 0.483 4331943 $439,294.19 57.14 0.250 0.017 0.358 4339858 $399,342.33 16.67 0.250 0.017 0.233 4352690 $299,044.60 75.00 0.250 0.017 0.733 4352956 $314,085.57 71.66 0.250 0.017 0.608 4353620 $307,368.31 79.99 0.250 0.017 0.000 4353805 $312,522.19 84.98 6 0.250 0.017 0.608 4363650 $311,684.05 93.99 1 0.250 0.017 0.733 4363658 $289,235.59 74.72 0.250 0.017 0.608 4364950 $160,864.74 47.35 0.250 0.017 0.108 4365738 $279,160.97 80.00 0.250 0.017 0.733 4365892 $442,980.23 76.42 0.250 0.017 0.608 4365922 $798,207.72 64.00 0.250 0.017 0.733 4365928 $437,249.17 73.62 0.250 0.017 0.483 4366956 $293,192.82 70.00 0.250 0.017 0.000 4372786 $379,237.73 95.00 0.800 0.017 0.733 4377048 $648,469.59 63.41 0.250 0.017 0.483 4377121 $441,305.74 80.00 0.250 0.017 0.233 4377208 $525,831.37 80.00 0.250 0.017 0.483 4377887 $543,706.22 68.13 0.250 0.017 0.483 4377904 $391,121.77 80.00 0.250 0.017 0.733 4377956 $398,474.57 89.99 13 0.250 0.017 1.358 4394857 $381,947.65 80.00 0.250 0.017 0.483 4394886 $445,199.29 75.00 0.250 0.017 0.483 4394961 $426,043.35 54.12 0.250 0.017 0.733 4394990 $319,318.06 80.00 0.250 0.017 0.983 4395042 $389,035.36 74.29 0.250 0.017 0.233 4395078 $524,791.88 67.87 0.250 0.017 0.608 4395105 $291,329.33 67.13 0.250 0.017 0.608 4395148 $393,549.44 66.39 0.250 0.017 0.483 4397110 $810,633.83 67.04 0.250 0.017 0.608 4397139 $308,924.64 72.09 0.250 0.017 0.608 4397166 $539,726.25 74.11 0.250 0.017 0.483 4397184 $359,031.46 80.00 0.250 0.017 0.358 4397263 $296,863.88 80.00 0.250 0.017 0.233 4397269 $411,025.33 74.32 0.250 0.017 0.983 4397281 $634,343.14 67.60 0.250 0.017 1.233 4397286 $362,257.51 80.00 0.250 0.017 0.483 4397288 $546,772.26 80.00 0.250 0.017 0.733 4397320 $477,395.70 78.69 0.250 0.017 0.608 4397346 $387,086.49 80.00 0.250 0.017 0.483 4397489 $608,598.95 79.69 0.250 0.017 0.608 4400617 $285,959.56 90.00 11 0.250 0.017 0.108 4400845 $438,458.59 78.57 0.250 0.017 0.983 4403056 $289,568.21 74.36 0.250 0.017 0.733 4403188 $572,944.43 73.25 0.250 0.017 0.983 4403218 $419,342.72 72.41 0.250 0.017 0.483 4403340 $349,272.62 60.87 0.250 0.017 1.108 4403351 $297,571.60 68.67 0.250 0.017 0.608 4403369 $290,348.06 63.96 0.250 0.017 0.733 4403392 $599,061.05 36.70 0.250 0.017 0.483 4404485 $394,239.17 73.83 0.250 0.017 1.483 4404494 $315,554.80 80.00 0.250 0.017 1.108 4404496 $361,447.39 86.19 13 0.250 0.017 0.608 4404516 $460,278.59 73.88 0.250 0.017 0.483 4404522 $299,031.78 76.92 0.250 0.017 0.358 4409137 $318,306.08 80.00 0.250 0.017 0.733 4409162 $297,422.13 80.00 0.250 0.017 0.358 4420829 $309,949.26 80.00 0.250 0.017 0.858 4420864 $318,451.79 79.99 0.250 0.017 0.233 4420917 $312,709.86 90.00 13 0.250 0.017 0.483 4420983 $648,368.38 78.79 0.250 0.017 0.483 4421052 $352,978.04 72.15 0.250 0.017 0.608 4421204 $381,371.92 73.46 0.250 0.017 0.233 4421241 $297,110.68 80.00 0.250 0.017 0.233 4422460 $303,829.17 90.00 12 0.250 0.017 0.608 4422469 $335,265.78 80.00 0.250 0.017 0.858 4422470 $370,703.04 75.00 0.250 0.017 1.108 4422484 $311,487.03 80.00 0.250 0.017 0.233 4422485 $335,366.34 85.00 12 0.250 0.017 0.858 4422492 $393,970.20 90.00 11 0.250 0.017 0.483 4422494 $324,234.78 63.73 0.250 0.017 0.483 4422495 $363,163.95 72.95 0.250 0.017 0.608 4422499 $336,498.13 80.00 0.250 0.017 0.483 4422760 $449,016.69 69.23 0.250 0.017 0.858 4422793 $374,383.45 75.00 0.250 0.017 0.233 4422904 $368,670.99 75.00 0.250 0.017 0.608 4423023 $392,559.20 80.00 0.250 0.017 0.608 4425657 $397,631.73 80.00 0.500 0.017 0.608 4425685 $352,431.05 80.00 0.500 0.017 0.233 4425705 $293,645.05 68.95 0.500 0.017 0.733 4425796 $422,976.74 80.00 0.500 0.017 0.108 4425819 $305,496.88 77.47 0.500 0.017 0.000 4425904 $318,488.27 35.44 0.500 0.017 0.108 4425945 $921,692.89 65.00 0.500 0.017 0.733 4425966 $341,265.11 62.15 0.500 0.017 0.233 4425980 $512,734.55 80.00 0.375 0.017 0.000 4426085 $454,952.65 53.65 0.500 0.017 0.358 4426130 $638,065.02 79.01 0.500 0.017 0.358 4426152 $399,342.33 80.00 0.500 0.017 0.000 4426166 $359,422.51 90.00 6 0.500 0.017 0.108 4426200 $578,193.77 74.99 0.500 0.017 0.233 4426254 $481,226.77 69.65 0.500 0.017 0.108 4426279 $464,272.32 63.18 0.500 0.017 0.233 4426298 $349,465.70 79.55 0.500 0.017 0.358 4426311 $510,794.52 54.01 0.500 0.017 0.233 4426348 $288,918.13 80.00 0.500 0.017 0.233 4426575 $648,835.05 59.09 0.500 0.017 0.108 4426702 $334,410.78 80.00 0.500 0.017 0.233 4426774 $309,490.30 70.78 0.500 0.017 0.000 4426842 $351,435.35 80.00 0.500 0.017 0.108 4429694 $293,753.01 56.21 0.375 0.017 0.000 4430248 $351,696.93 77.88 0.250 0.017 0.000 4431404 $414,588.73 74.90 0.250 0.017 0.000 4431465 $419,664.13 46.67 0.500 0.017 0.108 4438125 $382,234.09 81.38 12 0.450 0.017 0.858 4438128 $359,813.26 90.00 6 0.550 0.017 0.000 4438561 $328,048.65 90.00 33 0.650 0.017 0.733 4438761 $433,250.46 84.95 12 0.450 0.017 0.483 4438830 $287,328.61 90.00 6 0.550 0.017 0.233 4442134 $309,490.30 70.14 0.250 0.017 0.233 4442162 $322,519.08 88.98 6 0.250 0.017 0.733 5948186 $330,829.64 80.00 0.250 0.017 0.858 $49,152,337.16 COUNT: 123 WAC: 7.33678235 WAM: 356.0638614 WALTV: 73.4361747
WFMBS WFMBS 2001-31 EXHIBIT F-3 (continued) 30 YEAR FIXED RATE NON-RELOCATION LOANS (i) (xvi) (xvii) ----- ----------- ----------- MORTGAGE NMI LOAN LOAN NUMBER SERVICER SELLER -------- ------------------------------------ --------------------------- 4271224 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) 4282330 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) 4315338 FIRSTAR FIRSTAR 4323398 HIBERNIA NATIONAL BANK HIBERNIA NATIONAL BANK 4323634 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4323863 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4324337 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) 4324607 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) 4326489 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) 4328389 HUNTINGTON MORTGAGE COMPANY HUNTINGTON MORTGAGE COMPANY 4328988 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) 4331943 HIBERNIA NATIONAL BANK HIBERNIA NATIONAL BANK 4339858 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) 4352690 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4352956 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4353620 FIRSTAR FIRSTAR 4353805 COLONIAL SAVINGS & LOAN COLONIAL SAVINGS & LOAN 4363650 MID AMERICA BANK FSB MID AMERICA BANK FSB 4363658 MID AMERICA BANK FSB MID AMERICA BANK FSB 4364950 COLONIAL SAVINGS & LOAN COLONIAL SAVINGS & LOAN 4365738 MID AMERICA BANK FSB MID AMERICA BANK FSB 4365892 MID AMERICA BANK FSB MID AMERICA BANK FSB 4365922 MID AMERICA BANK FSB MID AMERICA BANK FSB 4365928 MID AMERICA BANK FSB MID AMERICA BANK FSB 4366956 FIRSTAR FIRSTAR 4372786 CHEVY CHASE SAVINGS BANK CHEVY CHASE SAVINGS BANK 4377048 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4377121 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4377208 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4377887 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4377904 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4377956 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4394857 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4394886 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4394961 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4394990 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4395042 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4395078 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4395105 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4395148 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397110 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397139 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397166 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397184 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397263 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397269 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397281 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397286 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397288 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397320 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397346 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4397489 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4400617 MID AMERICA BANK FSB MID AMERICA BANK FSB 4400845 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4403056 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4403188 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4403218 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4403340 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4403351 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4403369 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4403392 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4404485 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4404494 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4404496 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4404516 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4404522 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4409137 NAVY FEDERAL CREDIT UNION NAVY FEDERAL CREDIT UNION 4409162 NAVY FEDERAL CREDIT UNION NAVY FEDERAL CREDIT UNION 4420829 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4420864 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4420917 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4420983 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4421052 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4421204 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4421241 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422460 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422469 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422470 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422484 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422485 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422492 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422494 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422495 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422499 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422760 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422793 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4422904 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4423023 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4425657 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425685 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425705 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425796 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425819 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425904 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425945 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425966 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4425980 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426085 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426130 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426152 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426166 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426200 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426254 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426279 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426298 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426311 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426348 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426575 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426702 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426774 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4426842 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4429694 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4430248 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4431404 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4431465 FIRST NATIONWIDE MORTGAG FIRST NATIONWIDE MORTGAG 4438125 CHEVY CHASE SAVINGS BANK CHEVY CHASE SAVINGS BANK 4438128 CHEVY CHASE SAVINGS BANK CHEVY CHASE SAVINGS BANK 4438561 CHEVY CHASE SAVINGS BANK CHEVY CHASE SAVINGS BANK 4438761 CHEVY CHASE SAVINGS BANK CHEVY CHASE SAVINGS BANK 4438830 CHEVY CHASE SAVINGS BANK CHEVY CHASE SAVINGS BANK 4442134 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 4442162 HOMESIDE LENDING, INC. HOMESIDE LENDING, INC. 5948186 HSBC MORTGAGE CORP (USA) HSBC MORTGAGE CORP (USA) COUNT: 123 WAC: 7.33678235 WAM: 356.0638614 WALTV: 73.4361747 EXHIBIT G REQUEST FOR RELEASE (for Trustee/Custodian) Loan Information ---------------- Name of Mortgagor: ________________________________________ Servicer Loan No.: ________________________________________ Custodian/Trustee ----------------- Name: ________________________________________ Address: ________________________________________ ________________________________________ Custodian/Trustee Mortgage File No.: ________________________________________ Seller ------ Name: ________________________________________ Address: ________________________________________ ________________________________________ Certificates: Mortgage Pass-Through Certificates, Series 2001-31 The undersigned Master Servicer hereby acknowledges that it has received from First Union National Bank, as Trustee for the Holders of Mortgage Pass-Through Certificates, Series 2001-31, the documents referred to below (the "Documents"). All capitalized terms not otherwise defined in this Request for Release shall have the meanings given them in the Pooling and Servicing Agreement dated as of December 21, 2001 (the "Pooling and Servicing Agreement") among the Trustee, the Seller and the Master Servicer. ( ) Promissory Note dated ______________, 20__, in the original principal sum of $___________, made by ____________________, payable to, or endorsed to the order of, the Trustee. ( ) Mortgage recorded on _____________________ as instrument no. ______________ in the County Recorder's Office of the County of ____________________, State of _______________________ in book/reel/docket ____________________ of official records at page/image ___________. ( ) Deed of Trust recorded on ____________________ as instrument no. _________________ in the County Recorder's Office of the County of ___________________, State of _________________ in book/reel/docket ____________________ of official records at page/image ____________. ( ) Assignment of Mortgage or Deed of Trust to the Trustee, recorded on ______________________________ as instrument no. ______________ in the County Recorder's Office of the County of ______________________, State of _____________________ in book/reel/docket ____________________ of official records at page/image ____________. ( ) Other documents, including any amendments, assignments or other assumptions of the Mortgage Note or Mortgage. ( ) _____________________________________________ ( ) _____________________________________________ ( ) _____________________________________________ ( ) _____________________________________________ The undersigned Master Servicer hereby acknowledges and agrees as follows: (1) The Master Servicer shall hold and retain possession of the Documents in trust for the benefit of the Trustee, solely for the purposes provided in the Agreement. (2) The Master Servicer shall not cause or permit the Documents to become subject to, or encumbered by, any claim, liens, security interest, charges, writs of attachment or other impositions nor shall the Master Servicer assert or seek to assert any claims or rights of setoff to or against the Documents or any proceeds thereof. (3) The Master Servicer shall return the Documents to the Trustee when the need therefor no longer exists, unless the Mortgage Loan relating to the Documents has been liquidated and the proceeds thereof have been remitted to the Certificate Account and except as expressly provided in the Agreement. (4) The Documents and any proceeds thereof, including any proceeds of proceeds, coming into the possession or control of the Master Servicer shall at all times be earmarked for the account of the Trustee and the Master Servicer shall keep the Documents and any proceeds separate and distinct from all other property in the Master Servicer's possession, custody or control. WELLS FARGO BANK MINNESOTA, NATIONAL ASSOCIATION By: __________________________________ Title: _______________________________ Date: ________________, 20__ EXHIBIT H AFFIDAVIT PURSUANT TO SECTION 860E(e)(4) OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED, AND FOR NON-ERISA INVESTORS STATE OF ) ) ss.: COUNTY OF ) [NAME OF OFFICER], being first duly sworn, deposes and says: 1. That he is [Title of Officer] of [Name of Purchaser] (the "Purchaser"), a [description of type of entity] duly organized and existing under the laws of the [State of ] [United States], on behalf of which he makes this affidavit. 2. That the Purchaser's Taxpayer Identification Number is [ ]. 3. That the Purchaser is not a "disqualified organization" within the meaning of Section 860E(e)(5),of the Internal Revenue Code of 1986, as amended (the "Code"), or an ERISA Prohibited Holder, and will not be a "disqualified organization" or an ERISA Prohibited Holder, as of [date of transfer], and that the Purchaser is not acquiring Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2001-31, Class [A-R][A-LR] Certificate (the "Class [A-R][A-LR] Certificate") for the account of, or as agent (including a broker, nominee, or other middleman) for, any person or entity from which it has not received an affidavit substantially in the form of this affidavit. For these purposes, a "disqualified organization" means the United States, any state or political subdivision thereof, any foreign government, any international organization, any agency or instrumentality of any of the foregoing (other than an instrumentality if all of its activities are subject to tax and a majority of its board of directors is not selected by such governmental entity), any cooperative organization furnishing electric energy or providing telephone service to persons in rural areas as described in Code Section 1381(a)(2)(C), or any organization (other than a farmers' cooperative described in Code Section 521) that is exempt from taxation under the Code unless such organization is subject to the tax on unrelated business income imposed by Code Section 511. For these purposes, an "ERISA Prohibited Holder" means an employee benefit plan or other retirement arrangement subject to Title I of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Code Section 4975 or a governmental plan, as defined in Section 3(32) of ERISA, subject to any federal, state or local law which is, to a material extent, similar to the foregoing provisions of ERISA or the Code (collectively, a "Plan") or a Person acting on behalf of or investing the assets of such a Plan. 4. That the Purchaser historically has paid its debts as they have come due and intends to pay its debts as they come due in the future and the Purchaser intends to pay taxes associated with holding the Class [A-R][A-LR] Certificate as they become due. 5. That the Purchaser understands that it may incur tax liabilities with respect to the Class [A-R][A-LR] Certificate in excess of cash flows generated by the Class [A-R][A-LR] Certificate. 6. That the Purchaser will not transfer the Class [A-R][A-LR] Certificate to any person or entity from which the Purchaser has not received an affidavit substantially in the form of this affidavit and as to which the Purchaser has actual knowledge that the requirements set forth in paragraph 3, 4 or 7 hereof are not satisfied or that the Purchaser has reason to know does not satisfy the requirements set forth in paragraph 4 hereof. 7. That the Purchaser (i) is a U.S. Person or (ii) is a person other than a U.S. Person (a "Non-U.S. Person") that holds the Class [A-R][A-LR] Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Trustee with an effective Internal Revenue Service Form W-8ECI or successor form at the time and in the manner required by the Code or (iii) is a Non-U.S. Person that has delivered to both the transferor and the Trustee an opinion of a nationally recognized tax counsel to the effect that the transfer of the Class [A-R][A-LR] Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of the Class [A-R][A-LR] Certificate will not be disregarded for federal income tax purposes. "U.S. Person" means 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). 8. That the Purchaser agrees to such amendments of the Pooling and Servicing Agreement as may be required to further effectuate the restrictions on transfer of the Class [A-R][A-LR] Certificate to such a "disqualified organization," an agent thereof, an ERISA Prohibited Holder or a person that does not satisfy the requirements of paragraph 4, paragraph 5 and paragraph 7 hereof. 9. That the Purchaser consents to the designation of the Master Servicer as its agent to act as "tax matters person" of the [Upper-Tier REMIC][Lower-Tier REMIC] pursuant to Section 8.14 of the Pooling and Servicing Agreement, and if such designation is not permitted by the Code and applicable law, to act as tax matters person if requested to do so. IN WITNESS WHEREOF, the Purchaser has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [Title of Officer] this ___ day of , 20__. [Name of Purchaser] By:____________________________________ [Name of Officer] [Title of Officer] Personally appeared before me the above-named [Name of Officer], known or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer], of the Purchaser, and acknowledged to me that he [she] executed the same as his [her] free act and deed and the free act and deed of the Purchaser. Subscribed and sworn before me this __ day of __________, 20__. Notary Public COUNTY OF____________________ STATE OF_____________________ My commission expires the __ day of __________, 20__. EXHIBIT I [Letter from Transferor of Class A-R Certificate] [Date] First Union National Bank 401 South Tryon Street Charlotte, North Carolina 28202 Re: Wells Fargo Asset Securities Corporation, Series 2001-31, Class A-R ----------------------------------------- Ladies and Gentlemen: [Transferor] has reviewed the attached affidavit of [Transferee], and has no actual knowledge that such affidavit is not true and has no reason to know that the information contained in paragraph 4 thereof is not true. Very truly yours, [Transferor] _____________________________ EXHIBIT J WELLS FARGO ASSET SECURITIES CORPORATION MORTGAGE PASS-THROUGH CERTIFICATES SERIES 2001-31 CLASS [B-4][B-5][B-6] CERTIFICATES TRANSFEREE'S LETTER ------------------- _________________ __, ____ First Union National Bank 401 South Tryon Street Charlotte, North Carolina 28202 Wells Fargo Asset Securities Corporation 7485 New Horizon Way Frederick, Maryland 21703 The undersigned (the "Purchaser") proposes to purchase Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2001-31, Class [B-4][B-5][B-6] Certificates (the "Class [B-4][B-5][B-6] Certificates") in the principal amount of $___________. In doing so, the Purchaser hereby acknowledges and agrees as follows: Section 1. Definitions. Each capitalized term used herein and not otherwise defined herein shall have the meaning ascribed to it in the Pooling and Servicing Agreement, dated as of December 21, 2001 (the "Pooling and Servicing Agreement") among Wells Fargo Asset Securities Corporation, as seller (the "Seller"), Wells Fargo Bank Minnesota, National Association, as master servicer (the "Master Servicer") and First Union National Bank, as trustee (the "Trustee"), of Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2001-31. Section 2. Representations and Warranties of the Purchaser. In connection with the proposed transfer, the Purchaser represents and warrants to the Seller, the Master Servicer and the Trustee that: (a) The Purchaser is duly organized, validly existing and in good standing under the laws of the jurisdiction in which the Purchaser is organized, is authorized to invest in the Class [B-4][B-5][B-6] Certificates, and to enter into this Agreement, and duly executed and delivered this Agreement. (b) The Purchaser is acquiring the Class [B-4][B-5][B-6] Certificates for its own account as principal and not with a view to the distribution thereof, in whole or in part. [(c) The Purchaser has knowledge of financial and business matters and is capable of evaluating the merits and risks of an investment in the Class [B-4][B-5][B-6] Certificates; the Purchaser has sought such accounting, legal and tax advice as it has considered necessary to make an informed investment decision; and the Purchaser is able to bear the economic risk of an investment in the Class [B-4][B-5][B-6] Certificates and can afford a complete loss of such investment.] [(c) The Purchaser is a "Qualified Institutional Buyer" within the meaning of Rule 144A of the Act.] (d) The Purchaser confirms that (a) it has received and reviewed a copy of the Private Placement Memorandum dated __________ __, 20__, relating to the Class [B-4][B-5][B-6] Certificates and reviewed, to the extent it deemed appropriate, the documents attached thereto or incorporated by reference therein, (b) it has had the opportunity to ask questions of, and receive answers from the Seller concerning the Class [B-4][B-5][B-6] Certificates and all matters relating thereto, and obtain any additional information (including documents) relevant to its decision to purchase the Class [B-4][B-5][B-6] Certificates that the Seller possesses or can possess without unreasonable effort or expense and (c) it has undertaken its own independent analysis of the investment in the Class [B-4][B-5][B-6] Certificates. The Purchaser will not use or disclose any information it receives in connection with its purchase of the Class [B-4][B-5][B-6] Certificates other than in connection with a subsequent sale of Class [B-4][B-5][B-6] Certificates. (e) Either (i) the Purchaser is not an employee benefit plan or other retirement arrangement subject to Title I of the Employee Retirement Income Security Act of 1974, as amended, ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (the "Code"), or a governmental plan, as defined in Section 3(32) of ERISA subject to any federal, state or local law ("Similar Law") which is, to a material extent, similar to the foregoing provisions of ERISA or the Code (collectively, a "Plan"), an agent acting on behalf of a Plan, or a person utilizing the assets of a Plan or (ii) if the Purchaser is an insurance company, (A) the source of funds used to purchase the Class [B-4][B-5][B-6] 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), (B) 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 (C) the purchase and holding of such Class [B-4][B-5][B-6] Certificates are covered by Sections I and III of PTE 95-60 or (iii) the Purchaser has provided (a) a "Benefit Plan Opinion" satisfactory to the Seller and the Trustee of the Trust Estate and (b) such other opinions of counsel, officers' certificates and agreements as the Seller or the Master Servicer may have required. A Benefit Plan Opinion is an opinion of counsel to the effect that the proposed transfer will not cause the assets of the Trust Estate to be regarded as "plan assets" and subject to the prohibited transaction provisions of ERISA, the Code or Similar Law and will not subject the Trustee, the Seller or the Master Servicer to any obligation in addition to those undertaken in the Pooling and Servicing Agreement (including any liability for civil penalties or excise taxes imposed pursuant to ERISA, Section 4975 of the Code or Similar Law). (f) If the Purchaser is a depository institution subject to the jurisdiction of the Office of the Comptroller of the Currency ("OCC"), the Board of Governors of the Federal Reserve System ("FRB"), the Federal Deposit Insurance Corporation ("FDIC"), the Office of Thrift Supervision ("OTS") or the National Credit Union Administration ("NCUA"), the Purchaser has reviewed the "Supervisory Policy Statement on Securities Activities" dated January 28, 1992 of the Federal Financial Institutions Examination Council and the April 15, 1994 Interim Revision thereto as adopted by the OCC, FRB, FDIC, OTS and NCUA (with modifications as applicable), as appropriate, other applicable investment authority, rules, supervisory policies and guidelines of these agencies and, to the extent appropriate, state banking authorities and has concluded that its purchase of the Class [B-4][B-5][B-6] Certificates is in compliance therewith. Section 3. Transfer of Class [B-4][B-5][B-6] Certificates. (a) The Purchaser understands that the Class [B-4][B-5][B-6] Certificates have not been registered under the Securities Act of 1933 (the "Act") or any state securities laws and that no transfer may be made unless the Class [B-4][B-5][B-6] Certificates are registered under the Act and applicable state law or unless an exemption from registration is available. The Purchaser further understands that neither the Seller, the Master Servicer nor the Trustee is under any obligation to register the Class [B-4][B-5][B-6] Certificates or make an exemption available. In the event that such a transfer is to be made in reliance upon an exemption from the Act or applicable state securities laws, (i) the Trustee shall require, in order to assure compliance with such laws, that the Certificateholder's prospective transferee certify to the Seller and the Trustee as to the factual basis for the registration or qualification exemption relied upon, and (ii) unless the transferee is a "Qualified Institutional Buyer" within the meaning of Rule 144A of the Act, the Trustee or the Seller may, if such transfer is made within three years from the later of (a) the Closing Date or (b) the last date on which the Seller or any affiliate thereof was a holder of the Certificates proposed to be transferred, require an Opinion of Counsel that such transfer may be made pursuant to an exemption from the Act and state securities laws, which Opinion of Counsel shall not be an expense of the Trustee, the Master Servicer or the Seller. Any such Certificateholder desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Master Servicer, any Paying Agent acting on behalf of the Trustee and the Seller 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. (b) No transfer of a Class [B-4][B-5][B-6] Certificate shall be made unless the transferee provides the Seller and the Trustee with a Transferee's Letter, substantially in the form of this Agreement. (c) The Purchaser acknowledges that its Class [B-4][B-5][B-6] Certificates bear a legend setting forth the applicable restrictions on transfer. IN WITNESS WHEREOF, the undersigned has caused this Agreement to be validly executed by its duly authorized representative as of the day and the year first above written. [PURCHASER] By: ______________________________ Its: ______________________________ EXHIBIT K [RESERVED] EXHIBIT L SERVICING AGREEMENTS Wells Fargo Home Mortgage, Inc. Servicing Agreement HomeSide Lending, Inc. Servicing Agreement First Nationwide Mortgage Corporation Servicing Agreement HSBC Mortgage Corporation (USA) Servicing Agreement Mid America FSB Servicing Agreement Chevy Chase Bank, F.S.B. Servicing Agreement Firstar Bank, NA Servicing Agreement Hibernia National Bank Servicing Agreement Navy Federal Credit Union Servicing Agreement Colonial Savings, F.A. Servicing Agreement The Huntington Mortgage Company Servicing Agreement EXHIBIT M [FORM OF SPECIAL SERVICING AGREEMENT] SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT ----------------------------------------------- This SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT (the "Agreement") is made and entered into as of , between Wells Fargo Bank Minnesota, National Association (the "Company" and "Wells Fargo Bank") and (the "Purchaser"). PRELIMINARY STATEMENT ______________________ is the holder of the entire interest in Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2001-31, Class ____ (the "Class B Certificates"). The Class B Certificates were issued pursuant to a Pooling and Servicing Agreement dated as of December 21, 2001 among Wells Fargo Asset Securities Corporation, as seller (the "Seller"), Wells Fargo Bank Minnesota, National Association, as Master Servicer and First Union National Bank, as Trustee. ______________________ intends to resell all of the Class B Certificates directly to the Purchaser on or promptly after the date hereof. In connection with such sale, the parties hereto have agreed that the Company will cause, to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreements, the related servicers (each a related "Servicer"), which service the Mortgage Loans which comprise the Trust Estate related to the above referenced series under the related servicing agreements (each a related "Servicing Agreement"), to engage in certain special servicing procedures relating to foreclosures for the benefit of the Purchaser, and that the Purchaser will deposit funds in a collateral fund to cover any losses attributable to such procedures as well as all advances and costs in connection therewith, as set forth herein. In consideration of the mutual agreements herein contained, the receipt and sufficiency of which are hereby acknowledged, the Company and the Purchaser agree that the following provisions shall become effective and shall be binding on and enforceable by the Company and the Purchaser: ARTICLE I DEFINITIONS Section 1.1 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. Collateral Fund: The fund established and maintained pursuant to Section 3.01 hereof Collateral Fund Permitted Investments: Either (i) obligations of, or obligations fully guaranteed as to principal and interest by, the United States, or any agency or instrumentality thereof, provided such obligations are backed by the full faith and credit of the United States, (ii) a money market fund rated in the highest rating category by a nationally recognized rating agency selected by the Company, (iii) cash, (iv) mortgage pass-through certificates issued or guaranteed by Government National Mortgage Association, FNMA or FHLMC, (v) commercial paper (including both non-interest-bearing discount obligations and interest-bearing obligations payable on demand or on a specified date), the issuer of which may be an affiliate of the Company, having at the time of such investment a rating of at least A-1 by Standard and Poor's, a division of The McGraw-Hill Companies, Inc. ("S&P") or at least F-1 by Fitch, Inc. ("Fitch") or (vi) demand and time deposits in, certificates of deposit of, any depository institution or trust company (which may be an affiliate of the Company) incorporated under the laws of the United States of America or any state thereof and subject to supervision and examination by federal and/or state banking authorities, so long as at the time of such investment either (x) the long-term debt obligations of such depository institution or trust company have a rating of at least AA by Fitch or S&P, (y) the certificate of deposit or other unsecured short-term debt obligations of such depository institution or trust company have a rating of at least A-1 by S&P or F-1 by Fitch or (z) the depository institution or trust company is one that is acceptable to either S&P or Fitch and, for each of the preceding clauses (i), (iv), (v) and (vi), the maturity thereof shall be not later than the earlier to occur of (A) 30 days from the date of the related investment and (B) the next succeeding Distribution Date as defined in the related Pooling and Servicing Agreement. 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, posting, the publishing, filing or delivery of a notice of sale, but not including in either case (x) any notice of default, notice of intent to foreclose or sell or any other action prerequisite to the actions specified in (i) or (ii) above, (y) the acceptance of a deed-in-lieu of foreclosure (whether in connection with a sale of the related property or otherwise) or (z) initiation and completion of a short pay-off. Current Appraisal: With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, an appraisal of the related Mortgaged Property obtained by the Purchaser at its own expense from an independent appraiser (which shall not be an affiliate of the Purchaser) acceptable to the Company as nearly contemporaneously as practicable to the time of the Purchaser's election, prepared based on the Company's customary requirements for such appraisals. Election to Delay Foreclosure: Any election by the Purchaser to delay the Commencement of Foreclosure, made in accordance with Section 2.02(b). Election to Foreclose: Any election by the Purchaser to proceed with the Commencement of Foreclosure, made in accordance with Section 2.03(a). Monthly Advances: Principal and interest advances and servicing advances including costs and expenses of foreclosure. Required Collateral Fund Balance: As of any date of determination, an amount equal to the aggregate of all amounts previously required to be deposited in the Collateral Fund pursuant to Section 2.02(d) (after adjustment for all withdrawals and deposits pursuant to Section 2.02(e)) and Section 2.03(b) (after adjustment for all withdrawals and deposits pursuant to Section 2.03(c)) and Section 3.02 to be reduced by all withdrawals therefrom pursuant to Section 2.02(g) and Section 2.03(d). Section 1.2 Definitions Incorporated by Reference. All capitalized terms not otherwise defined in this Agreement shall have the meanings assigned in the Pooling and Servicing Agreement. SPECIAL SERVICING PROCEDURES Section 1.3 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 Company as Master Servicer shall provide to the Purchaser the following notices and reports: (i) Within five Business Days after each Distribution Date (or included in or with the monthly statements to Certificateholders pursuant to the Pooling and Servicing Agreement), the Company, shall provide to the Purchaser a report, using the same methodology and calculations in its standard servicing reports, indicating for the Trust Estate the number of Mortgage Loans that are (A) thirty days, (B) sixty days, (C) ninety days or more delinquent or (D) in foreclosure, and indicating for each such Mortgage Loan the loan number and outstanding principal balance. (ii) Prior to the Commencement of Foreclosure in connection with any Mortgage Loan, the Company shall cause (to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreement) the Servicer to provide the Purchaser with a notice (sent by telecopier) of such proposed and imminent foreclosure, stating the loan number and the aggregate amount owing under the Mortgage Loan. Such notice may be provided to the Purchaser in the form of a copy of a referral letter from such Servicer to an attorney requesting the institution of foreclosure. (b) If requested by the Purchaser, the Company shall cause the Servicer (to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreement) to make its servicing personnel available (during their normal business hours) to respond to reasonable inquiries, by phone or in writing by facsimile, electronic, or overnight mail transmission, by the Purchaser in connection with any Mortgage Loan identified in a report under subsection (a) (i) (B), (a) (i) (C), (a) (i) (D), or (a) (ii) which has been given to the Purchaser; provided, that (1) the related Servicer shall only be required to provide information that is readily accessible to its servicing personnel and is non-confidential and (2) the related Servicer shall respond within five Business Days orally or in writing by facsimile transmission. (c) In addition to the foregoing, the Company shall cause the Servicer (to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreement) to provide to the Purchaser such information as the Purchaser may reasonably request provided, however, that such information is consistent with normal reporting practices, concerning each Mortgage Loan that is at least ninety days delinquent and each Mortgage Loan which has become real estate owned, through the final liquidation thereof; provided, that the related Servicer shall only be required to provide information that is readily accessible to its servicing personnel and is non-confidential provided, however, that the Purchaser will reimburse the Company and the related Servicer for any out of pocket expenses. Section 1.4 Purchaser's Election to Delay Foreclosure Proceedings. (a) The Purchaser shall be deemed to direct the Company to direct (to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreement) the related Servicer that in the event that the Company does not receive written notice of the Purchaser's election pursuant to subsection (b) below within 24 hours (exclusive of any intervening non-Business Days) of transmission of the notice provided by the Company under Section 2.01 (a) (ii) subject to extension as set forth in Section 2.02(b), the related Servicer may proceed with the Commencement of Foreclosure in respect of such Mortgage Loan in accordance with its normal foreclosure policies without further notice to the Purchaser. Any foreclosure that has been initiated may be discontinued (i) without notice to the Purchaser if the Mortgage Loan has been brought current or if a refinancing or prepayment occurs with respect to the Mortgage Loan (including by means of a short payoff approved by the related Servicer) or (ii) if the related Servicer has reached the terms of a forbearance agreement with the borrower. In the latter case, the related Servicer may complete such forbearance agreement unless instructed otherwise by the Purchaser within two Business Days notification. (b) In connection with any Mortgage Loan with respect to which a notice under Section 2.01(a)(ii) has been given to the Purchaser, the Purchaser may elect to instruct the Company to cause, to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreement, the related Servicer to delay the Commencement of Foreclosure until such time as the Purchaser determines that the related Servicer may proceed with the Commencement of Foreclosure. Such election must be evidenced by written notice received within 24 hours (exclusive of any intervening non-Business Days) of transmission of the notice provided by the Company under Section 2.01(a)(ii). Such 24 hour period shall be extended for no longer than an additional four Business Days after the receipt of the information if the Purchaser requests additional information related to such foreclosure; provided, however, that the Purchaser will have at least one Business Day to respond to any requested additional information. Any such additional information shall be provided only to the extent it (i) is not confidential in nature and (ii) is obtainable by the related Servicer from existing reports, certificates or statements or is otherwise readily accessible to its servicing personnel. The Purchaser agrees that it has no right to deal with the mortgagor during such period. However, if such servicing activities include acceptance of a deed-in-lieu of foreclosure or short payoff, the Purchaser will be notified and given two Business Days to respond. (c) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Purchaser shall obtain a Current Appraisal as soon as practicable, but in no event more than 15 business days thereafter, and shall provide the Company with a copy of such Current Appraisal. (d) Within two Business Days of making any Election to Delay Foreclosure, the Purchaser shall remit by wire transfer to the Company, for deposit in the Collateral Fund, an amount, as calculated by the Company, equal to the sum of (i) 125% of the greater of the unpaid principal balance of the Mortgage Loan and the value shown in the Current Appraisal referred to in subsection (c) above (or, if such Current Appraisal has not yet been obtained, the Company's estimate thereof, in which case the required deposit under this subsection shall be adjusted upon obtaining such Current Appraisal), and (ii) three months' interest on the Mortgage Loan at the applicable Mortgage Interest Rate. If any Election to Delay Foreclosure extends for a period in excess of three months (such excess period being referred to herein as the "Excess Period"), within two Business Days the Purchaser shall remit by wire transfer in advance to the Company for deposit in the Collateral Fund the amount of each additional month's interest, as calculated by the Company, equal to interest on the Mortgage Loan at the applicable Mortgage Interest Rate for the Excess Period. The terms of this Agreement will no longer apply to the servicing of any Mortgage Loan upon the failure of the Purchaser to deposit any of the above amounts relating to the Mortgage Loan within two Business Days of the Election to Delay Foreclosure or within two Business Days of the commencement of the Excess Period subject to Section 3.01. (e) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Company may withdraw from the Collateral Fund from time to time amounts necessary to reimburse the related Servicer for all related Monthly Advances and Liquidation Expenses thereafter made by such Servicer in accordance with the Pooling and Servicing Agreement and the related Servicing Agreement. To the extent that the amount of any such Liquidation Expenses is determined by the Company based on estimated costs, and the actual costs are subsequently determined to be higher, the Company may withdraw the additional amount from the Collateral Fund. In the event that the Mortgage Loan is brought current by the mortgagor and the foreclosure action is discontinued, the amounts so withdrawn from the Collateral Fund shall be redeposited if and to the extent that reimbursement therefor from amounts paid by the mortgagor is not prohibited pursuant to the Pooling and Servicing Agreement or the related Servicing Agreement, applicable law or the related mortgage note. Except as provided in the preceding sentence, amounts withdrawn from the Collateral Fund to cover Monthly Advances and Liquidation Expenses shall not be redeposited therein or otherwise reimbursed to the Purchaser. If and when any such Mortgage Loan is brought current by the mortgagor, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all permitted withdrawals and deposits pursuant to this subsection) shall be released to the Purchaser. (f) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the related Servicer shall continue to service the Mortgage Loan in accordance with its customary procedures (other than the delay in Commencement of Foreclosure as provided herein). If and when the Purchaser shall notify the Company that it believes that it is appropriate to do so, the related Servicer may proceed with the Commencement of Foreclosure. In any event, if the Mortgage Loan is not brought current by the mortgagor by the time the loan becomes 6 months delinquent, the Purchaser's election shall no longer be effective and at the Purchaser's option, either (i) the Purchaser shall purchase the Mortgage Loan from the related Trust Estate at a purchase price equal to the fair market value as shown on the Current Appraisal, to be paid by (x) applying any balance in the Collateral Fund to such to such purchase price, and (y) to the extent of any deficiency, by wire transfer of immediately available funds from the Purchaser to the Company for deposit in the related Certificate Account; or (ii) the related Servicer shall proceed with the Commencement of Foreclosure. (g) Upon the occurrence of a liquidation with respect to any Mortgage Loan as to which the Purchaser made an Election to Delay Foreclosure and as to which the related Servicer proceeded with the Commencement of Foreclosure in accordance with subsection (f) above, the Company shall calculate the amount, if any, by which the value shown on the Current Appraisal obtained under subsection (c) exceeds the actual sales price obtained for the related Mortgaged Property (net of Liquidation Expenses and accrued interest related to the extended foreclosure period), and the Company shall withdraw the amount of such excess from the Collateral Fund, shall remit the same to the Trust Estate and in its capacity as Master Servicer shall apply such amount as additional Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. After making such withdrawal, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all permitted withdrawals and deposits pursuant to this Agreement) shall be released to the Purchaser. Section 1.5 Purchaser's Election to Commence Foreclosure Proceedings. (a) In connection with any Mortgage Loan identified in a report under Section 2.01(a)(i)(B), the Purchaser may elect to instruct the Company to cause, to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreement, the related Servicer to proceed with the Commencement of Foreclosure as soon as practicable. Such election must be evidenced by written notice received by the Company by 5:00 p.m., New York City time, on the third Business Day following the delivery of such report under Section 2.01(a)(i). (b) Within two Business Days of making any Election to Foreclose, the Purchaser shall remit to the Company, for deposit in the Collateral Fund, an amount, as calculated by the Company, equal to 125% of the current unpaid principal balance of the Mortgage Loan and three months interest on the Mortgage Loan at the applicable Mortgage Interest Rate. If and when any such Mortgage Loan is brought current by the mortgagor, all amounts in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all permitted withdrawals and deposits pursuant to this Agreement) shall be released to the Purchaser if and to the extent that reimbursement therefor from amounts paid by the mortgagor is not prohibited pursuant to the Pooling and Servicing Agreement or the related Servicing Agreement, applicable law or the related mortgage note. The terms of this Agreement will no longer apply to the servicing of any Mortgage Loan upon the failure of the Purchaser to deposit the above amounts relating to the Mortgage Loan within two Business Days of the Election to Foreclose subject to Section 3.01. (c) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Foreclose, the related Servicer shall continue to service the Mortgage Loan in accordance with its customary procedures (other than Commencement of Foreclosure as provided herein). In connection therewith, the Company shall have the same rights to make withdrawals for Monthly Advances and Liquidations Expenses from the Collateral Fund as are provided under Section 2.02(e), and the Company shall make reimbursements thereto to the limited extent provided under such subsection in accordance with its customary procedures. The Company shall not be required to cause, to the extent that the Company as Master Servicer is granted such authority in the related Servicing Agreement, the related Servicer to proceed with the Commencement of Foreclosure if (i) the same is stayed as a result of the mortgagor's bankruptcy or is otherwise barred by applicable law, or to the extent that all legal conditions precedent thereto have not yet been complied with, or (ii) the Company believes there is a breach of representations or warranties by the Company, a Servicer, or a Seller, which may result in a repurchase or substitution of such Mortgage Loan, or (iii) the Company or related Servicer reasonably believes the Mortgaged Property may be contaminated with or affected by hazardous wastes or hazardous substances (and, without limiting the related Servicer's right not to proceed with the Commencement of Foreclosure, the Company supplies the Purchaser with information supporting such belief). Any foreclosure that has been initiated may be discontinued (x) without notice to the Purchaser if the Mortgage Loan has been brought current or if a refinancing or prepayment occurs with respect to the Mortgage Loan (including by means of a short payoff approved by the Purchaser) or (y) with notice to the Purchaser if the related Servicer has reached the terms of a forbearance agreement unless instructed otherwise by the Purchaser within two Business Days of such notification. Any such instruction shall be based upon a decision that such forbearance agreement is not in conformity with reasonable servicing practices. (d) Upon the occurrence of a liquidation with respect to any Mortgage Loan as to which the Purchaser made an Election to Foreclose and as to which the related Servicer proceeded with the Commencement of Foreclosure in accordance with subsection (c) above, the Company shall calculate the amount, if any, by which the unpaid principal balance of the Mortgage Loan at the time of liquidation (plus all unreimbursed interest and servicing advances and Liquidation Expenses in connection therewith other than those paid from the Collateral Fund) exceeds the actual sales price obtained for the related Mortgaged Property, and the Company shall withdraw the amount of such excess from the Collateral Fund, shall remit the same to the Trust Estate and in its capacity as Master Servicer shall apply such amount as additional Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. After making such withdrawal, all amounts remaining in the Collateral Fund (after adjustment for all withdrawals and deposits pursuant to subsection (c) in respect of such Mortgage Loan shall be released to the Purchaser. Section 1.6 Termination. (a) With respect to all Mortgage Loans included in the Trust Estate, the Purchaser's right to make any Election to Delay Foreclosure or any Election to Foreclose and the Company's obligations under Section 2.01 shall terminate (i) at such time as the Principal Balance of the Class B Certificates has been reduced to zero, (ii) if the greater of (x) 43% (or such lower or higher percentage that represents the related Servicer's actual historical loss experience with respect to the Mortgage Loans in the related pool as determined by the Company) of the aggregate principal balance of all Mortgage Loans that are in foreclosure or are more than 90 days delinquent on a contractual basis and REO properties or (y) the aggregate amount that the Company estimates through the normal servicing practices of the related Servicer will be required to be withdrawn from the Collateral Fund with respect to Mortgage Loans as to which the Purchaser has made an Election to Delay Foreclosure or an Election to Foreclosure, exceeds (z) the then-current principal balance of the Class B Certificates, (iii) upon any transfer by the Purchaser of any interest (other than the minority interest therein, but only if the transferee provides written acknowledgment to the Company of the Purchaser's right hereunder and that such transferee will have no rights hereunder) in the Class B Certificates (whether or not such transfer is registered under the Pooling and Servicing Agreement), including any such transfer in connection with a termination of the Trust Estate or (iv) upon any breach of the terms of this Agreement by the Purchaser. (b) Except as set forth in 2.04(a), this Agreement and the respective rights, obligations and responsibilities of the Purchaser and the Company hereunder shall terminate upon the later to occur of (i) the final liquidation of the last Mortgage Loan as to which the Purchaser made any Election to Delay Foreclosure or any Election to Foreclose and the withdrawal of all remaining amounts in the Collateral Fund as provided herein and (ii) ten Business Days' notice. The Purchaser's right to make an election pursuant to Section 2.02 or Section 2.03 hereof with respect to a particular Mortgage Loan shall terminate if the Purchaser fails to make any deposit required pursuant to Section 2.02(d) or 2.03(b) or if the Purchaser fails to make any other deposit to the Collateral Fund pursuant to this Agreement. COLLATERAL FUND; SECURITY INTEREST Section 1.7 Collateral Fund. Upon receipt from the Purchaser of the initial amount required to be deposited in the Collateral Fund pursuant to Article II, the Company shall establish and maintain with Bankers Trust Company as a segregated account on its books and records an account (the "Collateral Fund"), entitled "Wells Fargo Bank Minnesota, National Association, as Master Servicer, for the benefit of registered holders of Wells Fargo Asset Securities Corporation Mortgage Pass-Through Certificates, Series 2001-31." Amounts held in the Collateral Fund shall continue to be the property of the Purchaser, subject to the first priority security interest granted hereunder for the benefit of the Certificateholders, until withdrawn from the Collateral Fund pursuant to Section 2.02 or 2.03 hereof. The Collateral Fund shall be an "outside reserve fund" within the meaning of the REMIC Provisions, beneficially owned by the Purchaser for federal income tax purposes. All income, gain, deduction or loss with respect to the Collateral Fund shall be that of the Purchaser. All distributions from the Trust Fund to the Collateral Fund shall be treated as distributed to the Purchaser as the beneficial owner thereof. Upon the termination of this Agreement and the liquidation of all Mortgage Loans as to which the Purchaser has made any Election to Delay Foreclosure or any Election to Foreclose pursuant to Section 2.04 hereof, the Company shall distribute or cause to be distributed to the Purchaser all amounts remaining in the Collateral Fund (after adjustment for all deposits and permitted withdrawals pursuant to this Agreement) together with any investment earnings thereon. In the event the Purchaser has made any Election to Delay Foreclosure or any Election to Foreclose, prior to any distribution to the Purchaser of all amounts remaining in the Collateral Fund, funds in the Collateral Fund shall be applied consistent with the terms of this Agreement. Section 1.8 Collateral Fund Permitted Investments. The Company shall, at the written direction of the Purchaser, invest the funds in the Collateral Fund in Collateral Fund Permitted Investments. Such direction shall not be changed more frequently than quarterly. In the absence of any direction, the Company shall select such investments in accordance with the definition of Collateral Fund Permitted Investments in its discretion. All income and gain realized from any investment as well as any interest earned on deposits in the Collateral Fund (net of any losses on such investments) and any payments of principal made in respect of any Collateral Fund Permitted Investment shall be deposited in the Collateral Fund upon receipt. All costs and realized losses associated with the purchase and sale of Collateral Fund Permitted Investments shall be borne by the Purchaser and the amount of net realized losses shall be deposited by the Purchaser in the Collateral Fund promptly upon realization. The Company shall periodically (but not more frequently than monthly) distribute to the Purchaser upon request an amount of cash, to the extent cash is available therefore in the Collateral Fund, equal to the amount by which the balance of the Collateral Fund, after giving effect to all other distributions to be made from the Collateral Fund on such date, exceeds the Required Collateral Fund Balance. Any amounts so distributed shall be released from the lien and security interest of this Agreement. Section 1.9 Grant of Security Interest. The Purchaser hereby grants to the Company for the benefit of the Certificateholders under the Pooling and Servicing Agreement a security interest in and lien on all of the Purchaser's right, title and interest, whether now owned or hereafter acquired, in and to: (1) the Collateral Fund, (2) all amounts deposited in the Collateral Fund and Collateral Fund Permitted Investments in which such amounts are invested (and the distributions and proceeds of such investments) and (3) all cash and non-cash proceeds of any of the foregoing, including proceeds of the voluntary conversion thereof (all of the foregoing collectively, the "Collateral"). The Purchaser acknowledges the lien on and the security interest in the Collateral for the benefit of the Certificateholders. The Purchaser shall take all actions requested by the Company as may be reasonably necessary to perfect the security interest created under this Agreement in the Collateral and cause it to be prior to all other security interests and liens, including the execution and delivery to the Company for filing of appropriate financing statements in accordance with applicable law. The Company shall file appropriate continuation statements, or appoint an agent on its behalf to file such statements, in accordance with applicable law. Section 1.10 Collateral Shortfalls. In the event that amounts on deposit in the Collateral Fund at any time are insufficient to cover any withdrawals therefrom that the Company is then entitled to make hereunder, the Purchaser shall be obligated to pay such amounts to the Company immediately upon demand. Such obligation shall constitute a general corporate obligation of the Purchaser. The failure to pay such amounts within two Business Days of such demand (except for amounts to cover interest on a Mortgage Loan pursuant to Sections 2.02(d) and 2.03 (b)), shall cause an immediate termination of the Purchaser's right to make any Election to Delay Foreclosure or Election to Foreclose and the Company's obligations under this Agreement with respect to all Mortgage Loans to which such insufficiencies relate, without the necessity of any further notice or demand on the part of the Company. MISCELLANEOUS PROVISIONS Section 1.11 Amendment. This Agreement may be amended from time to time by the Company and the Purchaser by written agreement signed by the Company and the Purchaser. Section 1.12 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 1.13 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 1.14 Notices. All demands, notices and direction hereunder shall be in writing or by telecopy and shall be deemed effective upon receipt to: (a) in the case of the Company, Wells Fargo Bank Minnesota, National Association 7485 New Horizon Way Frederick, MD 21703 Attention: Vice President, Master Servicing Phone: 301-696-7800 Fax: 301-815-6365 (b) in the case of the Purchaser, ____________________________________________ ____________________________________________ ____________________________________________ ____________________________________________ Attention:__________________________________ Section 1.15 Severability of Provisions. If any one or more of the covenants, agreements, provision or terms of this Agreement shall be for any reason whatsoever, including regulatory, held invalid, then such 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 1.16 Successors and Assigns. 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; provided, however, that the rights under this Agreement cannot be assigned by the Purchaser without the consent of the Company. Section 1.17 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 1.18 Confidentiality. The Purchaser agrees that all information supplied by or on behalf of the Company pursuant to Sections 2.01 or 2.02, including individual account information, is the property of the Company and the Purchaser agrees to hold such information confidential and not to disclose such information. Each party hereto agrees that neither it, nor any officer, director, employee, affiliate or independent contractor acting at such party's direction will disclose the terms of Section 4.09 of this Agreement to any person or entity other than such party's legal counsel except pursuant to a final, non-appealable order of court, the pendency of such order the other party will have received notice of at least five business days prior to the date thereof, or pursuant to the other party's prior express written consent. Section 1.19 Indemnification. The Purchaser agrees to indemnify and hold harmless the Company, the Seller, and each Servicer and each person who controls the Company, the Seller, or a Servicer and each of their respective officers, directors, affiliates and agents acting at the Company's, the Seller's, or a Servicer's direction (the "Indemnified Parties") against any and all losses, claims, damages or liabilities to which they may be subject, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of, or are based upon, actions taken by, or actions not taken by, the Company, the Seller, or a Servicer, or on their behalf, in accordance with the provisions of this Agreement and (i) which actions conflict with the Company's, the Seller's, or a Servicer's obligations under the Pooling and Servicing Agreement or the related Servicing Agreement, or (ii) give rise to securities law liability under federal or state securities laws with respect to the Certificates. The Purchaser hereby agrees to reimburse the Indemnified Parties for the reasonable legal or other expenses incurred by them in connection with investigating or defending any such loss, claim, damage, liability or action. The indemnification obligations of the Purchaser hereunder shall survive the termination or expiration of this Agreement. IN WITNESS WHEREOF, the Company and the Purchaser 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. Wells Fargo Bank Minnesota, National Association By:____________________________________ Name: Title: By:____________________________________ Name: Title: SCHEDULE I Wells Fargo Asset Securities Corporation, Mortgage Pass-Through Certificates, Series 2001-31 Applicable Unscheduled Principal Receipt Period Full Unscheduled Partial Unscheduled Servicer Principal Receipts Principal Receipts -------- ------------------ ------------------ WFHM (Exhibit F-1) Mid-Month Mid-Month WFHM (Exhibit F-2) Prior Month Prior Month First Nationwide Mortgage Corporation Mid-Month Prior Month HSBC Mortgage Corporation (USA) Mid-Month Prior Month Mid America Bank, FSB Mid-Month Prior Month Chevy Chase Bank, F.S.B. Mid-Month Prior Month Firstar Bank, NA Mid-Month Prior Month Hibernia National Bank Mid-Month Prior Month Navy Federal Credit Union Mid-Month Prior Month Colonial Savings, F.A. Mid-Month Prior Month The Huntington Mortgage Company Mid-Month Prior Month