EX-10 2 qs8ssfinal.txt EX 10.1 SERIES SUPPLEMENT EXECUTION COPY ================================================================================ RESIDENTIAL ACCREDIT LOANS, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, Trustee SERIES SUPPLEMENT, DATED AS OF JUNE 1, 2004, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of April 1, 2004 Mortgage Asset-Backed Pass-Through Certificates Series 2004-QS8 ================================================================================
Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................16 Section 1.03. Determination of LIBOR..............................................16 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................18 Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms).............................18 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...............................................................18 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company......................................18 Section 2.04. Representations and Warranties of Sellers............................21 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates............21 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee.................................21 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............21 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms)......................................................21 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................22 Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms)...............................................................22 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations................22 Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms).....22 Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)...............................................................22 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms).........22 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms).............................22 Page Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account................................................... 22 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms)..................................................22 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms)......................22 Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms)..........................................22 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms).................22 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms)...................22 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms)...............................................................22 Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms)......................................................22 Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms)...............................................23 Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms).............................23 Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms)......................................................23 Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms)...............................................................23 Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms).............................23 Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms).............................23 Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) 23 Section 3.22. Advance Facility.....................................................23 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................28 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) .....28 Section 4.02. Distributions. ......................................................28 ii Section 4.03. Statements to Certificateholders; Statements to the Rating Agencies; Exchange Act Reporting (See Section 4.03 of the Standard Terms)......................................................38 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer (See Section 4.04 of the Standard Terms)......................................................38 Section 4.05. Allocation of Realized Losses. ......................................38 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms).............................39 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)..........................................39 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................39 Article V THE CERTIFICATES................................................................40 Section 5.01. The Certificates ...................................................40 Section 5.02. Registration of Transfer and Exchange of Certificates (See Section 5.02 of the Standard Terms)..................................40 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates (See Section 5.03 of the Standard Terms)..........................................40 Section 5.04. Persons Deemed Owners (See Section 5.04 of the Standard Terms).......40 Section 5.05. Appointment of Paying Agent (See Section 5.05 of the Standard Terms)...............................................................41 Section 5.06. U.S.A. Patriot Act Compliance (See Section 5.06 of the Standard Terms)......................................................................41 Article VI THE COMPANY AND THE MASTER SERVICER..........................................42 Article VII DEFAULT......................................................................43 Article VIII CONCERNING THE TRUSTEE.......................................................44 Article IX TERMINATION..................................................................45 Article X REMIC PROVISIONS............................................................46 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....46 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........46 Section 10.03.Designation of REMICs................................................46 Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................46 Section 10.05.Compliance with Withholding Requirements.............................48 iii Article XI MISCELLANEOUS PROVISIONS......................................................49 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................49 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)..................................................49 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................49 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........49 Section 11.05.Notices..............................................................49 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).................................50 Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)...............................................................50 Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms).........................................50 Section 11.09.Allocation of Voting Rights..........................................50 Section 11.10.No Petition..........................................................50
iv EXHIBITS Exhibit One: Mortgage Loan Schedule Exhibit Two: Schedule of Discount Fractions Exhibit Three: Information to be Included in Monthly Distribution Date Statement Exhibit Four: Standard Terms of Pooling and Servicing Agreement Dated as of April 1, 2004 Exhibit Five: Aggregate Planned Principal Balances and Targeted Principal Balances This is a Series Supplement, dated as of June 1, 2004 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of April 1, 2004 and attached as Exhibit Four hereto (the "Standard Terms" and, together with this Series Supplement, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans. As provided herein, the REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans), as two real estate mortgage investment conduits (each, a "REMIC") for federal income tax purposes. The terms and provisions of the Standard Terms are hereby incorporated by reference herein as though set forth in full herein. If any term or provision contained herein shall conflict with or be inconsistent with any provision contained in the Standard Terms, the terms and provisions of this Series Supplement shall govern. All capitalized terms not otherwise defined herein shall have the meanings set forth in the Standard Terms. The Pooling and Servicing Agreement shall be dated as of the date of this Series Supplement. The following table sets forth the designation, type, Pass-Through Rate, aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings and certain features for each Class of Certificates comprising the interests in the Trust Fund created hereunder.
Aggregate Initial S&P/ Pass-Through Certificate Maturity ------------ Minimum Designation Rate Principal Balance Features(1) Date Fitch Denominations(2) Class A-1 5.00% $65,910,000.00 Senior/PAC/Fixed Rate June 25, 2034 AAA/AAA $25,000.00 $34,860,834.00 Senior/PAC/Super June 25, 2034 Class A-2 5.00% Senior/Fixed Rate AAA/AAA $25,000.00 $5,000,000.00 Senior/PAC/Fixed Rate June 25, 2034 Class A-3 5.00% AAA/AAA $25,000.00 1 The Certificates, other than the Class B and Class R Certificates shall be Book-Entry Certificates. The Class B Certificates and the Class R Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance or Notional Amount, as applicable) and integral multiples of $1 (or $1,000 in the case of the Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class B-1, Class B-2 and Class B-3 Certificates that contain an uneven multiple of $1,000 shall be issued in a denomination equal to the sum of the related minimum denomination set forth above and such uneven multiple for such Class or the sum of such denomination and an integral multiple of $1,000. 3 Adjustable Initial Formula Maximum Minimum Rates: ------------ --------------- --------------- ----- ------------------------ ------------ --------------- --------------- ----- Class A-4 1.68% LIBOR + 0.40% 8.00% 0.40% Certificates ------------------------ ------------ --------------- --------------- ----- ------------------------ ------------ --------------- --------------- ----- Class A-5 Certificates 6.32% 7.60% - LIBOR 7.60% 0.00% ------------------------ ------------ --------------- --------------- ----- ------------------------ ------------ --------------- --------------- ----- Class A-9 Certificates 1.78% LIBOR + 0.50% 8.00% 0.50% ------------------------ ------------ --------------- --------------- ----- ------------------------ ------------ --------------- --------------- ----- Class A-10 Certificates 6.22% 7.50% - LIBOR 7.50% 0.00% 2 Aggregate Initial S&P/ Pass-Through Certificate Maturity ------------ Minimum Designation Rate Principal Balance Features(1) Date Fitch Denominations(2) Class A-6 5.50% $61,153,100.00 Senior/TAC/Accretion June 25, 2034 AAA/AAA $25,000.00 Directed/ Fixed Rate Class A-7 5.50% $11,000,000.00 Senior/TAC/Accrual/Fixed June 25, 2034 AAA/AAA $25,000.00 Rate Class A-8 5.50% $3,000,000.00 Senior/Accretion June 25, 2034 AAA/AAA $25,000.00 Directed/Companion/Fixed Rate Class A-9 Adjustable $25,174,900.00 Senior/Floater/Adjustable June 25, 2034 AAA/AAA $25,000.00 Rate(3) Rate Class A-10 Adjustable $0.00(4) Senior/Interest June 25, 2034 AAA/AAA $2,000,000.00 Rate(3) Only/Inverse Floater/Adjustable Rate Class A-11 5.50% $23, 860,000.00 Senior/Lockout/Fixed Rate June 25, 2034 AAA/AAA $25,000.00 Class A-12 5.00% $530,000.00 Senior/PAC/Senior June 25, 2034 AAA/AAA $25,000.00 Support/Fixed Rate Class A-P 0.00% $7,077,600.57 Senior/Principal Only June 25, 2034 $25,000.00 AAA/AAA Class A-V Variable $0.00 Senior/Interest June 25, 2034 $2,000,000.00 Rate(1) Only/Variable Rate AAA/AAA Class R-I 5.75% $100.00 Senior/Residual/Fixed Rate June 25, 2034 AAA/AAA (2) Class R-II 5.75% $100.00 Senior/Residual/Fixed Rate June 25, 2034 AAA/AAA (7) Class M-1 5.75% $5,691,500.00 Mezzanine/Fixed Rate June 25, 2034 AA/NA $25,000.00 Class M-2 5.75% $2,574,700.00 Mezzanine/Fixed Rate June 25, 2034 A/NA $250,000.00 Class M-3 5.75% $1,626,100.00 Mezzanine/Fixed Rate June 25, 2034 BBB/NA $250,000.00 Class B-1 5.75% $677,600.00 Subordinate/Fixed Rate June 25, 2034 BB/NA $250,000.00 Class B-2 5.75% $948,600.00 Subordinate/Fixed Rate June 25, 2034 B/NA $250,000.00 Class B-3 5.75% $677,632.98 Subordinate/Fixed Rate June 25, 2034 NA/NA $250,000.00
_____________ 4 Each of the Class A-5 Certificates and Class A-10 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-5 Certificates will accrue on a notional amount equal to the Certificate Principal Balance of the Class A-4 Certificates immediately prior to the related distribution date. For the purpose of calculating interest payments, interest on the Class A-10 Certificates will accrue on a notional amount equal to the Certificate Principal Balance of the Class A-9 Certificates immediately prior to the related distribution date. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.2057%. denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $271,022,933.55. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: ARTICLE I 3 ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Directed Certificates: The Class A-6 Certificates and the Class A-8 Certificates. Accretion Termination Date: The earlier to occur of (i) the Distribution Date on which the aggregate Certificate Principal Balance of the Class A-6 Certificates and the Class A-8 Certificates has been reduced to zero and (ii) the Credit Support Depletion Date. Accrual Certificates: The Class A-7 Certificates. Accrual Distribution Amount: With respect to any Distribution Date on or prior to the Accretion Termination Date, an amount equal to the amount of Accrued Certificate Interest on the Class A-7 Certificates that is added to the Certificate Principal Balance thereof on such Distribution Date pursuant to Section 4.02(h). Adjustable Rate Certificates: Any of the Class A-4, Class A-5 Class A-9 and Class A-10 Certificates. Advance Facility: As defined in Section 3.22. Advance Facility Notice: As defined in Section 3.22. Advance Facility Trustee: As defined in Section 3.22. Advancing Person: As defined in Section 3.22. Advance Reimbursement Amounts: As defined in Section 3.22. Aggregate Planned Principal Balance: With respect to any Distribution Date, the amount set forth in Schedule I of the table entitled "Aggregate Planned Principal Balances and Targeted Principal Balances" in Exhibit Five opposite such date. Bankruptcy Amount: As of any date of determination prior to the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A) 100,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy 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 date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of 4 (A) the greater of (i) the product of (x) an amount equal to the largest difference in the related Monthly Payment for any Non-Primary Residence Loan remaining in the Mortgage Pool (other than Additional Collateral Loans) which had an original Loan-to-Value Ratio of 80% or greater that would result if the Net Mortgage Rate thereof was equal to the weighted average (based on the principal balance of the Mortgage Loans as of the Relevant Anniversary) of the Net Mortgage Rates of all Mortgage Loans as of the Relevant Anniversary less 1.25% per annum, (y) a number equal to the weighted average remaining term to maturity, in months, of all Non-Primary Residence Loans remaining in the Mortgage Pool as of the Relevant Anniversary, and (z) one plus the quotient of the number of all Non-Primary Residence Loans remaining in the Mortgage Pool divided by the total number of Outstanding Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary, and (ii) $50,000, and (B) the greater of (i) 0.0006 times the aggregate principal balance of all the Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary having a Loan-to-Value Ratio (other than Additional Collateral Loans) at origination which exceeds 75% and (ii) $100,000, over (2) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the Relevant Anniversary. The Bankruptcy Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Certificate: Any Class A, Class M, Class B or Class R Certificate. Certificate Account: The separate account or accounts created and maintained pursuant to Section 4.01 of the Standard Terms, which shall be entitled "Deutsche Bank Trust Company Americas, as trustee, in trust for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2004-QS8" and which must be an Eligible Account. Certificate Policy: None. Class A Certificate: Any one 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-V or Class A-P Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. 5 Class R Certificate: Any one of the Class R-I Certificates and Class R-II Certificates. Class R-I Certificate: Any one of the Class R-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC I for purposes of the REMIC Provisions. Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Closing Date: June 29, 2004. Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business with respect to this Agreement shall be administered, which office at the date of the execution of this instrument is located at 1761 East St. Andrew Place, Santa Ana, California 92705-4934, Attention: Residential Funding Corporation Series 2004-QS8. Cut-off Date: June 1, 2004. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 5.75% per annum. Due Period: With respect to each Distribution Date, the calendar month in which such Distribution Date occurs. Eligible Funds: On any Distribution Date, the excess, if any, of the Available Distribution Amount over the sum of (i) the aggregate amount of Accrued Certificate Interest on the Senior Certificates, (ii) the Senior Principal Distribution Amount (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution Amount (determined without regard to clause (E) of the definition of Class A-P Principal Distribution Amount) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date an amount equal to 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination, (Y) from the first to, but not including, the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 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 6 aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination, and (Z) from the second to, but not including, the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Fraud Losses: Realized Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. Initial Monthly Payment Fund: $12,691 representing scheduled principal amortization and interest at the Net Mortgage Rate payable during the July 2004 Due Period, for those Mortgage Loans for which the Trustee will not be entitled to receive such payment. Initial Notional Amount: With respect to the Class A-5 Certificates, $21,260,166.00. With respect to the Class A-10 Certificates, $25,174,900.00. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC Class A-V Regular Interests represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans as of the Cut-off Date as follows: Class M-1: 2.10% Class B-1: 0.25% Class M-2: 0.95% Class B-2: 0.35% Class M-3: 0.60% Class B-3: 0.25% Interest Accrual Period: With respect to any Class of Certificates (other than the Adjustable Rate Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. The Interest Accrual Period for the Adjustable Rate Certificates for any Distribution Date is the period beginning on the 25th day of the month preceding the month in which such Distribution Date occurs and ending on the 24th day of the month in which such Distribution Date occurs. 7 Interest Only Certificates: Any one of the Class A-5, Class A-10 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Lockout Certificates: The Class A-11 Certificates. Lockout Percentage: For any Distribution Date occurring prior to the Distribution Date in July 2009, 0%, and for any Distribution Date thereafter, as follows: 30% for any Distribution Date on or after July 2009 and prior to July 2010; 40% for any Distribution Date on or after July 2010 and prior to July 2011; 60% for any Distribution Date on or after July 2011 and prior to July 2012; 80% for any Distribution Date on or after July 2012 and prior to July 2013; and 100% for any Distribution Date thereafter. Maturity Date: June 25, 2034, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) the maturity of the Mortgage Note ("MATURITY DATE"); (iii) the Mortgage Rate ("ORIG RATE"); (iv) the Subservicer pass-through rate ("CURR NET"); (v) the Net Mortgage Rate ("NET MTG RT"); (vi) the Pool Strip Rate ("STRIP"); (vii) the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); (xi) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence; and 8 (xii) a code "N" under the column "OCCP CODE," indicating that the Mortgage Loan is secured by a non-owner occupied residence. Such schedule may consist of multiple reports that collectively set forth all of the information required. Notional Amount: As of any Distribution Date, (i) with respect to the Class A-5 Certificates, an amount equal to the Certificate Principal Balance of the Class A-4 Certificates immediately prior to such date; (ii) with respect to the Class A-10 Certificates, an amount equal to the Certificate Principal Balance of the Class A-9 Certificates immediately prior to such date; and (iii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. Pass-Through Rate: With respect to the Senior Certificates (other than the Adjustable Rate, Class A-V and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. o With respect to the Class A-4 Certificates and the initial Interest Accrual Period, 1.68% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.40%, subject to a maximum rate of 8.00% per annum and a minimum rate of 0. 40% per annum. o With respect to the Class A-5 Certificates and the initial Interest Accrual Period, 6.32% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.60% minus LIBOR, subject to a maximum rate of 7.60% per annum and a minimum rate of 0.00% per annum. o With respect to the Class A-9 Certificates and the initial Interest Accrual Period, 1.78% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to LIBOR plus 0.50%, subject to a maximum rate of 8.00% per annum and a minimum rate of 0.50% per annum. o With respect to the Class A-10 Certificates and the initial Interest Accrual Period, 6.22% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 7.50% minus LIBOR, subject to a maximum rate of 7.50% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-V Certificates (other than any Subclass thereof) and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or, with respect to the initial Distribution Date, at the close of business on the Cut-off Date). With respect to the Class A-V Certificates and the initial Distribution Date the Pass-Through Rate is equal to 0.2057% per annum. With respect to any Subclass of Class A-V Certificates and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by 9 such Subclass as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or with respect to the initial Distribution Date, at the close of business on the Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Certificates for federal income tax purposes, which assumes a constant prepayment rate of 6.0% per annum of the then outstanding principal balance of the related Mortgage Loans in the first month of the life of such Mortgage Loans and an additional approximately 1.0909091% per annum in each month thereafter until the twelfth month, and beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 18.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in July 2009 (unless the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of 10 each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Adjustable Rate Certificates that are Book-Entry Certificates), the close of business on the last Business Day of the month preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Adjustable Rate Certificates (so long as they are Book-Entry Certificates), the close of business on the Business Day prior to such Distribution Date. Reimbursement Amounts: As defined in Section 3.22. Related Classes: As to any Uncertificated REMIC I Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC I Regular Interest in the definition of Uncertificated REMIC I Regular Interest. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: (i) the Mortgage Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Mortgage Loans due after the Cut-off Date (other than Monthly Payments due in the month of the Cut-off Date) as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, 11 (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (v) all proceeds of clauses (i) through (iv) above. REMIC I Certificates: The Class R-I Certificates. REMIC II: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of the holders of each Class of Certificates (other than the Class R-I Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC II Certificates: Any Class of Certificates (other than the Class R-I Certificates). Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of any Distribution Date, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: With respect to any Distribution Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed therefrom pursuant to Section 4.02(a)(i), Section 4.02(a)(ii)(W) (excluding any amount distributable pursuant to clause (E) of the definition of "Class A-P Principal Distribution Amount"), and Section 4.02(a)(ii)(X) and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii). Senior Support Certificates: The Class A-12 Certificates. Servicing Advance Reimbursement Amounts: As defined in Section 3.22. Special Hazard Amount: As of any Distribution Date, an amount equal to $2,710,229 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the Adjustment Amount shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greater of (i) 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 12 anniversary and (ii) twice the outstanding principal balance of the Mortgage Loan with the largest outstanding principal balance as of the Distribution Date immediately preceding such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans, expressed as a percentage, and the denominator of which is equal to 37.73% (which percentage is equal to the percentage of Mortgage Loans by aggregate principal balance initially secured by Mortgaged Properties located in the State of California) and (ii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the largest Mortgage Loan secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) located in the State of California. The Special Hazard Amount may be further reduced by the Master Servicer (including accelerating the manner in which coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Special Hazard Percentage: As of each anniversary of the Cut-off Date, the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the aggregate outstanding principal balance (as of 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. Subordinate Principal Distribution Amount: With respect to any Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i) the product of (x) the related Subordinate Class Percentage for such Class and (y) the aggregate of the amounts calculated (without giving effect to the related Senior Percentages) for such Distribution Date under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A) to the extent not payable to the Senior Certificates; (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the principal collections described in Section 4.02(a)(ii)(Y)(B)(b) (without giving effect to the Senior Accelerated Distribution Percentage) to the extent such collections are not otherwise distributed to the Senior Certificates; (iii) the product of (x) the related Prepayment Distribution Percentage and (y) the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments with respect to a Discount Mortgage Loan) to the extent not payable to the Senior Certificates; (iv) if such Class is the Class of 13 Subordinate Certificates with the Highest Priority, any Excess Subordinate Principal Amount for such Distribution Date; and (v) any amounts described in clauses (i), (ii) and (iii) as determined for any previous Distribution Date, that remain undistributed to the extent that such amounts are not attributable to Realized Losses which have been allocated to a Class of Subordinate Certificates; minus (b) the sum of (i) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date; and (ii) the Capitalization Reimbursement Amount for such Distribution Date, other than the related Discount Fraction of any portion of that amount related to each Discount Mortgage Loan, multiplied by a fraction, the numerator of which is the Subordinate Principal Distribution Amount for such Class of Subordinate Certificates, without giving effect to this clause (b)(ii), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates other than the Class A-P Certificates, without giving effect to any reductions for the Capitalization Reimbursement Amount. Successor Master Servicer: As defined in Section 3.22. Super Senior Certificates: The Class A-2 Certificates. Super Senior Optimal Percentage: As of any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of the Super Senior Certificates immediately prior to such Distribution Date and the denominator of which is the aggregate Certificate Principal Balance of the Senior Certificates, other than the Class A-P Certificates, immediately prior to such Distribution Date. Super Senior Optimal Principal Distribution Amount: As of any Distribution Date on or after the Credit Support Depletion Date, the product of (a) the then-applicable Super Senior Optimal Percentage and (b) the amounts described in clause (b) of the Senior Principal Distribution Amount. Targeted Principal Balance: With respect to any Distribution Date and (i) the Class A-6 Certificates, the amount set forth in Schedule II of the table entitled "Aggregate Planned Principal Balances and Targeted Principal Balances" in Exhibit Five opposite such date and (ii), the Class A-7 Certificates, the amount set forth in Schedule III of the table entitled "Aggregate Planned Principal Balances and Targeted Principal Balances" in Exhibit Five opposite such date . Uncertificated Accrued Interest: With respect to each Distribution Date, (i) as to each Uncertificated REMIC I Regular Interest other than each Uncertificated REMIC I Regular Interest Z, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Related Classes of Certificates (excluding any Interest Only Certificates) if the Pass-Through Rate on such Classes were equal to the Uncertificated Pass-Through Rate on such Uncertificated REMIC I Regular Interest, (ii) as to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, an amount equal to one month's interest at the Pool Strip Rate of the related Mortgage Loan on the principal balance of such Mortgage Loan reduced by such Interest's pro-rata share of any prepayment interest shortfalls or other reductions of interest allocable to the Class A-V Certificates. 14 Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests, other than the Uncertificated REMIC I Regular Interests Z, the per annum rate specified in the definition of Uncertificated REMIC I Regular Interests. With respect to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan. Uncertificated Principal Balance: With respect to each Uncertificated REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I Regular Interest. Uncertificated REMIC I Regular Interests: The Uncertificated REMIC I Regular Interests Z together with the interests identified in the table below, each representing an undivided beneficial ownership interest in REMIC I, and having the following characteristics: 1. The principal balance from time to time of each Uncertificated REMIC I Regular Interest identified in the table below shall be the amount identified as the Initial Principal Balance thereof in such table, minus the sum of (x) the aggregate of all amounts previously deemed distributed with respect to such interest and applied to reduce the Uncertificated Principal Balance thereof pursuant to Section 10.04(a)(ii) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a).
----------------------- --------------------------------- ------------------ -------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- T Class A-1, Class A-2, Class 5.00% $ 106,300,834.00 A-3, Class A-12 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- U Class A-4, Class A-5 8.00% $ 21,260,166.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- V Class A-6, Class A-7, Class 5.50% $ 99,013,100.00 A-8, Class A-11 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- W Class A-9, Class A-10 8.00% $ 25,174,900.00 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- X Class A-P 0.00% $ 7,077,600.57 ----------------------- --------------------------------- ------------------ -------------------- ----------------------- --------------------------------- ------------------ -------------------- Y Class R-II, Class M-1, Class 5.75% $ 12,196,232.98 M-2, Class M-3, Class B-1, Class B-2, Class B-3 ----------------------- --------------------------------- ------------------ --------------------
15 Uncertificated REMIC I Regular Interests Z: Each of the 1,386 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2112, each relating to the particular Mortgage Loan identified by such sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing interest at the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. Uncertificated REMIC I Regular Interests Z Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Distribution Amounts: With respect to each Uncertificated REMIC I Regular Interest, other than the Uncertificated REMIC I Regular Interests Z, the amount specified as the Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto in the definition of Uncertificated REMIC I Regular Interests. With respect to the Uncertificated REMIC I Regular Interests Z, the Uncertificated REMIC I Regular Interests Z Distribution Amount. Uncertificated REMIC II Regular Interests Z: Each of the 1,386 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 1,386 each relating to the identically numbered Uncertificated REMIC I Regular Interests Z, each having no principal balance and bearing interest at a rate equal to the related Pool Strip Rate on the Stated Principal Balance of the Mortgage Loan related to the identically numbered Uncertificated REMIC I Regular Interests Z, comprising such Uncertificated REMIC II Regular Interests Z's pro rata share of the amount distributed pursuant to Section 10.04(a). Uncertificated REMIC II Regular Interests Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Underwriters: Bear, Stearns & Co. Inc. and Residential Funding Securities Corporation. Section 1.02. Use of Words and Phrases. "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. LIBOR applicable to the calculation of the Pass-Through Rates on the Adjustable Rate Certificates for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined as described below: 16 On each Distribution Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 of the Moneyline Telerate Capital Markets Report as of 11:00 a.m., London time, on the second LIBOR Business Day prior to the first day of such Interest Accrual Period ("LIBOR Rate Adjustment Date"). "Telerate Screen Page 3750" means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, any other service for displaying LIBOR or comparable rates as may be selected by the Trustee after consultation with the Master Servicer), the rate will be the Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Trustee after consultation with the Master Servicer) as of 11:00 a.m., London time, on the day that is one LIBOR Business Day prior to the immediately preceding Distribution Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. The Trustee will request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date, or, in the case of the first LIBOR Rate Adjustment Date, 1.28% per annum; provided, however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall, after consultation with the Master Servicer, select an alternative comparable index (over which the Trustee has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Master Servicer's subsequent calculation of the Pass-Through Rates applicable to each of the Adjustable Rate Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply the Pass-Through Rates on each of the Adjustable Rate Certificates for the current and the immediately preceding Interest Accrual Period via the Trustee's internet website, which may be obtained by telephoning the Trustee at (800) 735-7777. 17 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due, with respect to a majority of the Mortgage Loans, on the first day of each month and terms to maturity at origination or modification of not more than 30 years; (iv) To the best of the Company's knowledge, except with respect to ten Mortgage Loans representing approximately 0.4% of the principal balance of the Mortgage Loans at origination, if a Mortgage Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at origination in excess of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy that insures (a) at least 35% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 100.00% and 95.01%, (b) at least 30% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 12% of such balance if the Loan-to-Value Ratio is between 85.00% and 80.01%. To the best of the Company's knowledge, each such Primary Insurance Policy is in full force and effect and the Trustee is entitled to the benefits thereunder; (v) The issuers of the Primary Insurance Policies are insurance companies whose claims-paying abilities are currently acceptable to each Rating Agency; 18 (vi) No more than 0.7% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in California and no more than 0.4% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area outside California; (vii) The improvements upon the Mortgaged Properties are insured against loss by fire and other hazards as required by the Program Guide, including flood insurance if required under the National Flood Insurance Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain such casualty insurance at the Mortgagor's expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's expense and to seek reimbursement therefor from the Mortgagor; (viii) Immediately prior to the assignment of the Mortgage Loans to the Trustee, the Company had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such assignment validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; (ix) Approximately 68.10% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 13.34% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 4.37% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; (x) Except with respect to approximately 20.61% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor represented in its loan application with respect to the related Mortgage Loan that the Mortgaged Property would be owner-occupied; (xi) None of the Mortgage Loans is a Buy-Down Mortgage Loan; (xii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1); (xiii) A policy of title insurance was effective as of the closing of each Mortgage Loan and is valid and binding and remains in full force and effect, unless the Mortgaged Properties are located in the State of Iowa and an attorney's certificate has been provided as described in the Program Guide; (xiv) None of the Mortgage Loans is a Cooperative Loan; with respect to a Mortgage Loan that is a Cooperative Loan, the Cooperative Stock that is pledged as security for the Mortgage Loan is held by a person as a tenant-stockholder (as defined in Section 216 of the Code) in a cooperative housing corporation (as defined in Section 216 of the Code); 19 (xv) With respect to each Mortgage Loan originated under a "streamlined" Mortgage Loan program (through which no new or updated appraisals of Mortgaged Properties are obtained in connection with the refinancing thereof), the related Seller has represented that either (a) the value of the related Mortgaged Property as of the date the Mortgage Loan was originated was not less than the appraised value of such property at the time of origination of the refinanced Mortgage Loan or (b) the Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of the Mortgage Loan generally meets the Company's underwriting guidelines; (xvi) Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; (xvii) None of the Mortgage Loans contain in the related Mortgage File a Destroyed Mortgage Note; (xviii) One of the Mortgage Loans, representing 0.2% of the aggregate Stated Principal Balance of the Mortgage Loans, has been made to an International Borrower, and no such Mortgagor is a member of a foreign diplomatic mission with diplomatic rank; (xix) No Mortgage Loan provides for payments that are subject to reduction by withholding taxes levied by any foreign (non-United States) sovereign government; and (xx) None of the Mortgage Loans are Additional Collateral Loans and none of the Mortgage Loans are Pledged Asset Loans. It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) that materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(xii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Company shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Company shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Company under the same terms and conditions as provided in Section 2.04 for substitutions by Residential Funding. It is understood and agreed that the obligation of the Company to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and 20 is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Company shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund and/or the applicable REMIC, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed and caused to be authenticated and delivered to or upon the order of the Company the Class R-I Certificates in authorized denominations which together with the Uncertificated REMIC I Regular Interests, evidence the beneficial interest in REMIC I. Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. The Company, as of the Closing Date, and concurrently with the execution and delivery hereof, does hereby assign without recourse all the right, title and interest of the Company in and to the Uncertificated REMIC I Regular Interests to the Trustee for the benefit of the Holders of each Class of Certificates (other than the Class R-I Certificates). The Trustee acknowledges receipt of the Uncertificated REMIC I Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Holders of each Class of Certificates (other than the Class R-I Certificates). The rights of the Holders of each Class of Certificates (other than the Class R-I Certificates) to receive distributions from the proceeds of REMIC II in respect of such Classes, and all ownership interests of the Holders of such Classes in such distributions, shall be as set forth in this Agreement. Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II. The Trustee acknowledges the assignment to it of the Uncertificated REMIC I Regular Interests and, concurrently therewith and in exchange therefor, pursuant to the written request of the Company executed by an officer of the Company, the Trustee has executed and caused to be authenticated and delivered to or upon the order of the Company, all Classes of Certificates (other than the Class R-I Certificates) in authorized denominations, which evidence the beneficial interest in the entire REMIC II. Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms). 21 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms) Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms) Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms) Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms) Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms) Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms) Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (See Section 3.07 of the Standard Terms) Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms) Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms) Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms) Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms) Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms) Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms) Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms) 22 Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms) Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms). Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms) Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms) Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms) Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms) Section 3.21. Administration of Buydown Funds (See Section 3.21 of the Standard Terms) Section 3.22. Advance Facility (a) The Master Servicer is hereby authorized to enter into a financing or other facility (any such arrangement, an "Advance Facility") under which (1) the Master Servicer sells, assigns or pledges to another Person (an "Advancing Person") the Master Servicer's rights under this Agreement to be reimbursed for any Advances or Servicing Advances and/or (2) an Advancing Person agrees to fund some or all Advances and/or Servicing Advances required to be made by the Master Servicer pursuant to this Agreement. No consent of the Depositor, the Trustee, the Certificateholders or any other party shall be required before the Master Servicer may enter into an Advance Facility. Notwithstanding the existence of any Advance Facility under which an Advancing Person agrees to fund Advances and/or Servicing Advances on the Master Servicer's behalf, the Master Servicer shall remain obligated pursuant to this Agreement to make Advances and Servicing Advances pursuant to and as required by this Agreement. If the Master Servicer enters into an Advance Facility, and for so long as an Advancing Person remains entitled to receive reimbursement for any Advances including Nonrecoverable Advances ("Advance Reimbursement Amounts") and/or Servicing Advances including Nonrecoverable Advances ("Servicing Advance Reimbursement Amounts" and together with Advance Reimbursement Amounts, "Reimbursement Amounts") (in each case to the extent such type of Reimbursement Amount is included in the Advance Facility), as applicable, pursuant to this Agreement, then the Master Servicer shall identify such Reimbursement Amounts consistent with the reimbursement rights set forth in Section 3.10(a)(ii) and (vii) and remit such Reimbursement Amounts in accordance with this Section 3.22 or otherwise in accordance with the documentation establishing the Advance Facility to such Advancing Person or to a trustee, agent or custodian (an "Advance Facility Trustee") designated by such Advancing Person in an Advance Facility Notice described below in Section 3.22(b). Notwithstanding the foregoing, if so required pursuant to the terms of the Advance Facility, the Master Servicer may direct, and if so directed in writing the Trustee is hereby authorized to and shall pay to the Advance Facility Trustee the Reimbursement Amounts identified pursuant to the preceding 23 sentence. An Advancing Person whose obligations hereunder are limited to the funding of Advances and/or Servicing Advances shall not be required to meet the qualifications of a Master Servicer or a Subservicer pursuant to Section 3.02(a) or 6.02(c) hereof and shall not be deemed to be a Subservicer under this Agreement. Notwithstanding anything to the contrary herein, in no event shall Advance Reimbursement Amounts or Servicing Advance Reimbursement Amounts be included in the Available Distribution Amount or distributed to Certificateholders. (b) If the Master Servicer enters into an Advance Facility and makes the election set forth in Section 3.22(a), the Master Servicer and the related Advancing Person shall deliver to the Certificate Insurer and the Trustee a written notice and payment instruction (an "Advance Facility Notice"), providing the Trustee with written payment instructions as to where to remit Advance Reimbursement Amounts and/or Servicing Advance Reimbursement Amounts (each to the extent such type of Reimbursement Amount is included within the Advance Facility) on subsequent Distribution Dates. The payment instruction shall require the applicable Reimbursement Amounts to be distributed to the Advancing Person or to an Advance Facility Trustee designated in the Advance Facility Notice. An Advance Facility Notice may only be terminated by the joint written direction of the Master Servicer and the related Advancing Person (and any related Advance Facility Trustee). The Master Servicer shall provide the Certificate Insurer, if any, with notice of any termination of any Advance Facility pursuant to Section 3.22(b) (c) Reimbursement Amounts shall consist solely of amounts in respect of Advances and/or Servicing Advances made with respect to the Mortgage Loans for which the Master Servicer would be permitted to reimburse itself in accordance with Section 3.10(a)(ii) and (vii) hereof, assuming the Master Servicer or the Advancing Person had made the related Advance(s) and/or Servicing Advance(s). Notwithstanding the foregoing, except with respect to reimbursement of Nonrecoverable Advances as set forth in Section 3.10(c) of this Agreement, no Person shall be entitled to reimbursement from funds held in the Collection Account for future distribution to Certificateholders pursuant to this Agreement. Neither the Depositor nor the Trustee shall have any duty or liability with respect to the calculation of any Reimbursement Amount, nor shall the Depositor or the Trustee have any responsibility to track or monitor the administration of the Advance Facility and the Depositor shall not have any responsibility to track, monitor or verify the payment of Reimbursement Amounts to the related Advancing Person or Advance Facility Trustee. The Master Servicer shall maintain and provide to any Successor Master Servicer a detailed accounting on a loan-by-loan basis as to amounts advanced by, sold, pledged or assigned to, and reimbursed to any Advancing Person. The Successor Master Servicer shall be entitled to rely on any such information provided by the Master Servicer and the Successor Master Servicer shall not be liable for any errors in such information. (d) Upon the direction of and at the expense of the Master Servicer, the Trustee agrees to execute such acknowledgments, certificates, and other documents and reasonably satisfactory to the Trustee provided by the Master Servicer recognizing the interests of any Advancing Person or Advance Facility Trustee in such Reimbursement Amounts as the Master Servicer may cause to be made subject to Advance Facilities pursuant to this Section 3.22, and such other documents in connection with such Advance Facility as may be reasonably requested from time to time by any Advancing Person or Advance Facility Trustee and reasonably satisfactory to the Trustee . 24 (e) Reimbursement Amounts collected with respect to each Mortgage Loan shall be allocated to outstanding unreimbursed Advances or Servicing Advances (as the case may be) made with respect to that Mortgage Loan on a "first-in, first out" ("FIFO") basis, subject to the qualifications set forth below: (i) Any successor Master Servicer to Residential Funding (a "Successor Master Servicer") and the Advancing Person or Advance Facility Trustee shall be required to apply all amounts available in accordance with this Section 3.22(e) to the reimbursement of Advances and Servicing Advances in the manner provided for herein; provided, however, that after the succession of a Successor Master Servicer, (A) to the extent that any Advances or Servicing Advances with respect to any particular Mortgage Loan are reimbursed from payments or recoveries, if any, from the related Mortgagor, and Liquidation Proceeds or Insurance Proceeds, if any, with respect to that Mortgage Loan, reimbursement shall be made, first, to the Advancing Person or Advance Facility Trustee in respect of Advances and/or Servicing Advances related to that Mortgage Loan to the extent of the interest of the Advancing Person or Advance Facility Trustee in such Advances and/or Servicing Advances, second to the Master Servicer in respect of Advances and/or Servicing Advances related to that Mortgage Loan in excess of those in which the Advancing Person or Advance Facility Trustee Person has an interest, and third, to the Successor Master Servicer in respect of any other Advances and/or Servicing Advances related to that Mortgage Loan, from such sources as and when collected, and (B) reimbursements of Advances and Servicing Advances that are Nonrecoverable Advances shall be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and any such Successor Master Servicer, on the other hand, on the basis of the respective aggregate outstanding unreimbursed Advances and Servicing Advances that are Nonrecoverable Advances owed to the Advancing Person, Advance Facility Trustee or Master Servicer pursuant to this Agreement, on the one hand, and any such Successor Master Servicer, on the other hand, and without regard to the date on which any such Advances or Servicing Advances shall have been made. In the event that, as a result of the FIFO allocation made pursuant to this Section 3.22(e), some or all of a Reimbursement Amount paid to the Advancing Person or Advance Facility Trustee relates to Advances or Servicing Advances that were made by a Person other than Residential Funding or the Advancing Person or Advance Facility Trustee, then the Advancing Person or Advance Facility Trustee shall be required to remit any portion of such Reimbursement Amount to the Person entitled to such portion of such Reimbursement Amount. Without limiting the generality of the foregoing, Residential Funding shall remain entitled to be reimbursed by the Advancing Person or Advance Facility Trustee for all Advances and Servicing Advances funded by Residential Funding to the extent the related Reimbursement Amount(s) have not been assigned or pledged to an Advancing Person or Advance Facility Trustee. The 25 documentation establishing any Advance Facility shall require Residential Funding to provide to the related Advancing Person or Advance Facility Trustee loan by loan information with respect to each Reimbursement Amount distributed to such Advancing Person or Advance Facility Trustee on each date of remittance thereof to such Advancing Person or Advance Facility Trustee, to enable the Advancing Person or Advance Facility Trustee to make the FIFO allocation of each Reimbursement Amount with respect to each Mortgage Loan. (ii) By way of illustration, and not by way of limiting the generality of the foregoing, if the Master Servicer resigns or is terminated at a time when the Master Servicer is a party to an Advance Facility, and is replaced by a Successor Master Servicer, and the Successor Master Servicer directly funds Advances or Servicing Advances with respect to a Mortgage Loan and does not assign or pledge the related Reimbursement Amounts to the related Advancing Person or Advance Facility Trustee, then all payments and recoveries received from the related Mortgagor or received in the form of Liquidation Proceeds with respect to such Mortgage Loan (including Insurance Proceeds collected in connection with a liquidation of such Mortgage Loan) will be allocated first to the Advancing Person or Advance Facility Trustee until the related Reimbursement Amounts attributable to such Mortgage Loan that are owed to the Master Servicer and the Advancing Person, which were made prior to any Advances or Servicing Advances made by the Successor Master Servicer, have been reimbursed in full, at which point the Successor Master Servicer shall be entitled to retain all related Reimbursement Amounts subsequently collected with respect to that Mortgage Loan pursuant to Section 3.10 of this Agreement. To the extent that the Advances or Servicing Advances are Nonrecoverable Advances to be reimbursed on an aggregate basis pursuant to Section 3.10 of this Agreement, the reimbursement paid in this manner will be made pro rata to the Advancing Person or Advance Facility Trustee, on the one hand, and the Successor Master Servicer, on the other hand, as described in clause (i)(B) above. (f) The Master Servicer shall remain entitled to be reimbursed for all Advances and Servicing Advances funded by the Master Servicer to the extent the related rights to be reimbursed therefor have not been sold, assigned or pledged to an Advancing Person. (g) Any amendment to this Section 3.22 or to any other provision of this Agreement that may be necessary or appropriate to effect the terms of an Advance Facility as described generally in this Section 3.23, including amendments to add provisions relating to a successor master servicer, may be entered into by the Trustee, the Certificate Insurer, Depositor and the Master Servicer without the consent of any Certificateholder, with written confirmation from each Rating Agency that the amendment will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates, notwithstanding anything to the contrary in Section 11.01 of or elsewhere in this Agreement. (h) Any rights of set-off that the Trust Fund, the Trustee, the Depositor, any Successor Master Servicer or any other Person might otherwise have against the Master Servicer under this Agreement shall not attach to any rights to be reimbursed for Advances or Servicing Advances that have been sold, transferred, pledged, conveyed or assigned to any Advancing Person. (i) At any time when an Advancing Person shall have ceased funding Advances and/or Servicing Advances (as the case may be) and the Advancing Person or related Advance Facility Trustee shall have received Reimbursement Amounts sufficient in the aggregate to reimburse all Advances and/or Servicing Advances 26 (as the case may be) the right to reimbursement for which were assigned to the Advancing Person, then upon the delivery of a written notice signed by the Advancing Person and the Master Servicer or its successor or assign) to the Trustee terminating the Advance Facility Notice (the "Notice of Facility Termination"), the Master Servicer or its Successor Master Servicer shall again be entitled to withdraw and retain the related Reimbursement Amounts from the Custodial Account pursuant to Section 3.10. (j) After delivery of any Advance Facility Notice, and until any such Advance Facility Notice has been terminated by a Notice of Facility Termination, this Section 3.22 may not be amended or otherwise modified without the prior written consent of the related Advancing Person. 27 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) Section 4.02. Distributions. (a) On each Distribution Date the Master Servicer on behalf of the Trustee (or the Paying Agent appointed by the Trustee) shall distribute to the Master Servicer, in the case of a distribution pursuant to Section 4.02(a)(iii) below, and to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share (A) with respect to each Class of Certificates (other than any Subclass of the Class A-V Certificates), shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder or (B) with respect to any Subclass of the Class A-V Certificates, shall be equal to the amount (if any) distributed pursuant to Section 4.02(a)(i) below to each Holder of a Subclass thereof) of the following amounts, in the following order of priority (subject to the provisions of Section 4.02(b), (c) and (e) below), in each case to the extent of the Available Distribution Amount remaining: (i) to the Senior Certificates (other than the Class A-P Certificates and prior to the Accretion Termination Date, the Accrual Certificates to the extent of the Accrual Distribution Amount), on a pro rata basis based on Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, Accrued Certificate Interest on such Classes of Certificates (or Subclasses, if any, with respect to the Class A-V Certificates) for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date except as provided in the last paragraph of this Section 4.02(a); provided however that after the Credit Support Depletion Date, the Accrued Certificate Interest for the Senior Support Certificates shall be distributed to the Super Senior Certificates and the Senior Support Certificates in accordance with Section 4.02(c)); and (ii) (W) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balance of such Senior Certificates); (X) to the Class A-6 Certificates, the Class A-7 Certificates and the Class A-8 Certificates, in the priorities and amounts set forth in Section 4.02(b)(ii), the Accrual Distribution Amount; and (Y) to the Senior Certificates (other than the Class A-P Certificates and the Class A-V Certificates), in the priorities and amounts set forth in Section 4.02(b) and (c), the sum of the following (applied to reduce the Certificate Principal Balances of such Senior Certificates, as applicable): 28 (A) the Senior Percentage for such Distribution Date times the sum of the following: (1) the principal portion of each Monthly Payment due during the related Due Period on each Outstanding Mortgage Loan (other than the related Discount Fraction of the principal portion of such payment with respect to a Discount Mortgage Loan), whether or not received on or prior to the related Determination Date, minus the principal portion of any Debt Service Reduction (other than the related Discount Fraction of the principal portion of such Debt Service Reductions with respect to each Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (2) the Stated Principal Balance of any Mortgage Loan repurchased during the preceding calendar month (or deemed to have been so repurchased in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04 or 4.07 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan pursuant to Section 2.03 or 2.04 during the preceding calendar month (other than the related Discount Fraction of such Stated Principal Balance or shortfall with respect to each Discount Mortgage Loan); and (3) the principal portion of all other unscheduled collections (other than Principal Prepayments in Full and Curtailments and amounts received in connection with a Cash Liquidation or REO Disposition of a Mortgage Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement, including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds), including Subsequent Recoveries, received during the preceding calendar month (or deemed to have been so received in accordance with Section 3.07(b)) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (other than the related Discount Fraction of the principal portion of such unscheduled collections, with respect to each Discount Mortgage Loan); (B) with respect to each Mortgage Loan for which a Cash Liquidation or a REO Disposition occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b)) and did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (a) the Senior Percentage for such Distribution Date times the Stated Principal Balance of such Mortgage Loan (other than the related Discount Fraction of such 29 Stated Principal Balance, with respect to each Discount Mortgage Loan) and (b) the Senior Accelerated Distribution Percentage for such Distribution Date times the related unscheduled collections (including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (in each case other than the portion of such unscheduled collections, with respect to a Discount Mortgage Loan, included in clause (C) of the definition of Class A-P Principal Distribution Amount); (C) the Senior Accelerated Distribution Percentage for such Distribution Date times the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments, with respect to each Discount Mortgage Loan); (D) any Excess Subordinate Principal Amount for such Distribution Date; and (E) any amounts described in subsection (ii)(Y), clauses (A), (B) and (C) of this Section 4.02(a), as determined for any previous Distribution Date, which remain unpaid after application of amounts previously distributed pursuant to this clause (E) to the extent that such amounts are not attributable to Realized Losses which have been allocated to the Subordinate Certificates; minus (F) the Capitalization Reimbursement Amount for such Distribution Date, other than the related Discount Fraction of any portion of that amount related to each Discount Mortgage Loan, multiplied by a fraction, the numerator of which is the Senior Principal Distribution Amount, without giving effect to this clause (F), and the denominator of which is the sum of the principal distribution amounts for all Classes of Certificates other than the Class A-P Certificates, without giving effect to any reductions for the Capitalization Reimbursement Amount; (iii) if the Certificate Principal Balances of the Subordinate Certificates have not been reduced to zero, to the Master Servicer or a Sub-Servicer, by remitting for deposit to the Custodial Account, to the extent of and in reimbursement for any Advances or Sub-Servicer Advances previously made with respect to any Mortgage Loan or REO Property which remain unreimbursed in whole or in part following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property, minus any such Advances that were made with respect to delinquencies that ultimately constituted Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses; (iv) to the Holders of the Class M-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; 30 (v) to the Holders of the Class M-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(vii), (ix), (xi), (xiii), (xiv) and (xv) of this Series Supplement are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-1 Certificates; (vi) to the Holders of the Class M-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (vii) to the Holders of the Class M-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-2 Certificates; (viii) to the Holders of the Class M-3 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (ix) to the Holders of the Class M-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-3 Certificates; (x) to the Holders of the Class B-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xi) to the Holders of the Class B-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-1 Certificates; (xii) to the Holders of the Class B-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; 31 (xiii) to the Holders of the Class B-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-2 Certificates; (xiv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Section 4.02(a)(xv) are insufficient therefor; (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates applied in reduction of the Certificate Principal Balance of the Class B-3 Certificates; (xvi) to the Senior Certificates, on a pro rata basis in accordance with their respective outstanding Certificate Principal Balances, the portion, if any, of the Available Distribution Amount remaining after the foregoing distributions, applied to reduce the Certificate Principal Balances of such Senior Certificates, but in no event more than the aggregate of the outstanding Certificate Principal Balances of each such Class of Senior Certificates, and thereafter, to each Class of Subordinate Certificates then outstanding beginning with such Class with the Highest Priority, any portion of the Available Distribution Amount remaining after the Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of Subordinate Certificates, but in no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xvii) to the Class R-I Certificates, the balance, if any, of the Available Distribution Amount. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the Subordinate Certificates are no longer outstanding, the Senior Certificates, Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date will be distributable only to the extent that (1) a shortfall in the amounts available to pay Accrued Certificate Interest on any Class of Certificates results from an interest rate reduction in connection with a Servicing Modification, or (2) such unpaid Accrued Certificate Interest was attributable to interest shortfalls relating to 32 the failure of the Master Servicer to make any required Advance, or the determination by the Master Servicer that any proposed Advance would be a Nonrecoverable Advance with respect to the related Mortgage Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation or REO Disposition or the related Liquidation Proceeds, Insurance Proceeds and REO Proceeds have not yet been distributed to the Certificateholders. (b) Distributions of principal on the Senior Certificates on each Distribution Date will be made as follows: (i) first, an amount equal Class A-P Principal Distribution Amount shall be distributed to the Class A-P Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (ii) second, an amount equal to the Accrual Distribution Amount shall be distributed in the following manner and priority: (A) first, to the Class A-6 Certificates, an amount necessary to reduce the Certificate Principal Balance of the Class A-6 Certificates to the Targeted Principal Balance for the Class A-6 Certificates for that Distribution Date; (B) second, to the Class A-7 Certificates, an amount necessary to reduce the Certificate Principal Balance of the Class A-7 Certificates to the Targeted Principal Balance for the Class A-7 Certificates for that Distribution Date; (C) third, any remaining amount to the Class A-8 Certificates until the Certificate Principal Balance of the Class A-8 Certificates has been reduced to zero; and (D) fourth, any remaining amount to the Class A-6 Certificates until the Certificate Principal Balance of the Class A-6 Certificates has been reduced to zero; and (iii) third, the Senior Principal Distribution Amount shall be distributed in the following manner and priority: (A) first, concurrently to the Class R-I Certificates and Class R-II Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero; (B) second, the Senior Principal Distribution Amount remaining shall be distributed concurrently, as follows: (1) 10.00000000000% of the amount described in Section 4.02(b)(iii)(B) to the Class A-9 Certificates, until the Certificate Principal Balance of the Class A-9 Certificates has been reduced to zero; and (2) 90.00000000000% of the amount described in Section 4.02(b)(iii)(B) in the following manner and priority: 33 (a) first, to the Lockout Certificates, until the Certificate Principal Balance of the Lockout Certificates has been reduced to zero, an amount equal to the Lockout Percentage of the Lockout Certificates' pro rata share (based on the Certificate Principal Balance thereof relative to the aggregate Certificate Principal Balance of all classes of Certificates (other than the Class A-P Certificates)) of the aggregate of the collections described in clauses (A), (B), (C), (D) and (E) (net of amounts set forth in clause (F)) of Section 4.02(a)(ii)(Y), without application of the Senior Percentage or the Senior Accelerated Distribution Percentage; provided, however, that if the aggregate of the amounts set forth in clauses (A), (B), (C), (D) and (E) (net of amounts set forth in clause (F)) of Section 4.02(a)(ii)(Y) is more than the balance of the Available Distribution Amount remaining after the Senior Interest Distribution Amount and the Class A-P Principal Distribution Amount have been distributed, the amount paid to the Lockout Certificates pursuant to this clause shall be reduced by an amount equal to the Lockout Certificates' pro rata share (based on the Certificate Principal Balance of the Lockout Certificates relative to the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates)) of such difference; (b) second, an amount necessary to reduce the aggregate Certificate Principal Balance of the Class A-1, Class A-2, Class A-3, Class A-4 and Class A-12 Certificates to the Aggregate Planned Principal Balance for that distribution date shall be distributed concurrently as follows: (i) 83.3333338560% of the amount described in Section 4.02(b)(iii)(B)(2)(b) in the following manner and priority: (A) first, to the Class A-1 Certificates until the Certificate Principal Balance of the Class A-1 Certificates has been reduced to zero; (B) second, to the Class A-2 Certificates and the Class A-12 Certificates, on a pro rata basis, in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and the Class A-12 Certificates have been reduced to zero; and (C) third, to the Class A-3 Certificates, until the Certificate Principal Balance of the Class A-3 Certificates has been reduced to zero; and (ii) 16.6666661440% of the amount described in Section 4.02(b)(iii)(B)(2)(b) to the Class A-4 Certificates, until the Certificate Principal Balance of the Class A-4 Certificates has been reduced to zero; (c) third, to the Class A-6 Certificates, an amount necessary to reduce the Certificate Principal Balance of the Class A-6 Certificates to the Targeted Principal Balance for the Class A-6 Certificates for that distribution date; 34 (d) fourth, to the Class A-7 Certificates, an amount necessary to reduce the Certificate Principal Balance of the Class A-7 Certificates to the Targeted Principal Balance for the Class A-7 Certificates for that distribution date; (e) fifth, any remaining amount to the Class A-8 Certificates until the Certificate Principal Balance of the Class A-8 Certificates has been reduced to zero; (f) sixth, any remaining amount to the Class A-6 Certificates, without regard to the related Targeted Principal Balance, until the Certificate Principal Balance of the Class A-6 Certificates has been reduced to zero; (g) seventh, any remaining amount to the Class A-7 Certificates, without regard to the related Targeted Principal Balance, until the Certificate Principal Balance of the Class A-7 Certificates has been reduced to zero; (h) eighth, any remaining amount shall be distributed concurrently as follows: (i) 83.3333338560% of the amount described in Section 4.02(b)(iii)(B)(2)(h) above as follows: (A) first, to the Class A-1 Certificates, without regard to the Aggregate Planned Principal Balance, until the Certificate Principal Balance of the Class A-1 Certificates has been reduced to zero; (B) second, to the Class A-2 Certificates and the Class A-12 Certificates, without regard to the Aggregate Planned Principal Balance, on a pro rata basis, in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and the Class A-12 Certificates have been reduced to zero; and (C) third, to the Class A-3 Certificates, without regard to the Aggregate Planned Principal Balance, until the Certificate Principal Balance of the Class A-3 Certificates has been reduced to zero; and (ii) 16.6666661440% of the amount described in Section 4.02(b)(iii)(B)(2)(h) above to the Class A-4 Certificates, without regard to the Aggregate Planned Principal Balance, until the Certificate Principal Balance of the Class A-4 Certificates has been reduced to zero; and 35 (i) ninth, any remaining amount to the Class A-11 Certificates until the Certificate Principal Balance of the Class A-11 Certificates has been reduced to zero. In determining the outstanding Certificate Principal Balance of the Class A-6, Class A-7 and Class A-8 Certificates when allocating the Senior Principal Distribution Amount, any payment of the Accrual Distribution Amount shall first be taken into account. (c) Notwithstanding Section 4.02(b), on or after the Credit Support Depletion Date, the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates and the Class A-V Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances; provided, however, that until reduction of the Certificate Principal Balance of the Senior Support Certificates to zero, the aggregate amount distributable to the Super Senior Certificates and Senior Support Certificates in respect of the aggregate Accrued Certificate Interest thereon and in respect of their aggregate pro rata portion of the Senior Principal Distribution Amount will be distributed among such Senior Certificates in the following priority: first, to the Super Senior Certificates, up to an amount equal to the Accrued Certificate Interest on the Super Senior Certificates; second, to the Super Senior Certificates, up to an amount equal to the Super Senior Optimal Principal Distribution Amount, in reduction of the Certificate Principal Balance thereof, until the Certificate Principal Balance thereof has been reduced to zero; third, to the Senior Support Certificates, up to an amount equal to the Accrued Certificate Interest thereon; and fourth, to the Senior Support Certificates, the remainder, until the Certificate Principal Balance thereof has been reduced to zero. (d) After the reduction of the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) to zero but prior to the Credit Support Depletion Date, the Senior Certificates (other than the Class A-P Certificates) will be entitled to no further distributions of principal thereon and the Available Distribution Amount will be paid solely to the holders of the Class A-P, Class A-V and Subordinate Certificates, in each case as described herein. (e) In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.07(b)(iii). If, after taking into account such Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of such Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Subordinate Certificates with a Certificate Principal Balance greater than zero with the highest payment priority to which Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, have been allocated, but not by more than the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. The amount of any remaining Subsequent Recoveries will be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority, up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. Any remaining Subsequent 36 Recoveries will in turn be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Interest Accrual Period preceding the Interest Accrual Period that relates to the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (g) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). (h) On each Distribution Date preceding the Accretion Termination Date, the Accrued Certificate Interest that would otherwise be distributed to the Class A-7 Certificates will be added to the Certificate Principal Balance of the Class A-7 Certificates and will be distributed to the holders of the Class A-6 Certificates, the Class A-7 Certificates and the Class A-8 Certificates as distributions of principal pursuant to Section 4.02(b)(ii) in reduction of the Certificate Principal Balance of the Class A-6, Class A-7 and Class A-8 Certificates. Any distributions of the Accrual Distribution Amount to the Class A-7 Certificates will reduce the Certificate Principal Balance of the Class A-7 Certificates by such amount. The amount that is added to the Certificate Principal Balance of the Class A-7 Certificates will accrue interest at a rate of 5.75% per annum. On each Distribution Date on or after the Accretion Termination Date, the entire Accrued Certificate Interest on the Class A-7 Certificates for such date will be payable to the holders of the Class A-7 Certificates, as interest, to the extent not required to be paid to the Class A-6 Certificates or Class A-8 Certificates in order to fully reduce the aggregate Certificate Principal Balance of the Class A-6 Certificates and Class A-8 Certificates to zero on the Accretion Termination Date; provided, however, that if the Accretion Termination Date is the Credit Support Depletion Date, the entire Accrual Distribution Amount for such date will be payable as interest to the holders of the Class A-7 Certificates. 37 Section 4.03. Statements to Certificateholders; Statements to the Rating Agencies; Exchange Act Reporting. (See Section 4.03 of the Standard Terms) Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (See Section 4.04 of the Standard Terms) Section 4.05. Allocation of Realized Losses. Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due during the related Due Period. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. All Realized Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class B-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class B-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class M-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class M-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; and, thereafter, if any such Realized Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an amount equal to the Discount Fraction of the principal portion thereof, and the remainder of such Realized Losses on the Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among all Senior Certificates (other than the Class A-P Certificates) on a pro rata basis, as described below; provided, however, that after the Credit Support Depletion Date, Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates has been reduced to zero. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be allocated to the Class A-P Certificates in an amount equal to the Discount Fraction thereof and the remainder of the principal portion and the entire interest portion of such Realized Losses on Discount Mortgage Loans and the entire principal and interest portion of such Realized Losses on Non-Discount Mortgage Loans will be allocated among the Senior Certificates (other than the Class A-P Certificates) and the Subordinate Certificates, on a pro rata basis, as described below; provided, however, that such Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates is reduced to zero. As used herein, an allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates, on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution 38 Date in the case of the principal portion of a Realized Loss or based on the Accrued Certificate Interest thereon payable on such Distribution Date (without regard to any Compensating Interest for such Distribution Date) in the case of an interest portion of a Realized Loss. Except as provided in the following sentence, any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to a Class of Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date; provided that no such reduction shall reduce the aggregate Certificate Principal Balance of the Certificates below the aggregate Stated Principal Balance of the Mortgage Loans; provided further that the Certificate Principal Balance of the Accrual Certificates for purposes of this Section 4.05 shall be the lesser of (a) the Certificate Principal Balance of the Accrual Certificates as of the Closing Date, and (b) the Certificate Principal Balance of the Accrual Certificates as of the date of determination. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses (other than any interest rate reduction resulting from a Servicing Modification) shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the interest portion of a Realized Loss resulting from an interest rate reduction in connection with a Servicing Modification shall be made by operation of the provisions of Section 4.02(a). Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms) Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms) Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms) 39 ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) (See Section 5.01(a) of the Standard Terms) (b) (See Section 5.01(b) of the Standard Terms) (c) If the Class A-V Certificates are Definitive Certificates, from time to time Residential Funding, as the initial Holder of the Class A-V Certificates, may exchange such Holder's Class A-V Certificates for Subclasses of Class A-V Certificates to be issued under this Agreement by delivering a "Request for Exchange" substantially in the form attached to this Agreement as Exhibit N executed by an authorized officer, which Subclasses, in the aggregate, will represent the Uncertificated Class A-V REMIC Regular Interests corresponding to the Class A-V Certificates so surrendered for exchange. Any Subclass so issued shall bear a numerical designation commencing with Class A-V-1 and continuing sequentially thereafter, and will evidence ownership of the Uncertificated REMIC Regular Interest or Interests specified in writing by such initial Holder to the Trustee. The Trustee may conclusively, without any independent verification, rely on, and shall be protected in relying on, Residential Funding's determinations of the Uncertificated Class A-V REMIC Regular Interests corresponding to any Subclass, the Initial Notional Amount and the initial Pass-Through Rate on a Subclass as set forth in such Request for Exchange and the Trustee shall have no duty to determine if any Uncertificated Class A-V REMIC Regular Interest designated on a Request for Exchange corresponds to a Subclass which has previously been issued. Each Subclass so issued shall be substantially in the form set forth in Exhibit A and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery in accordance with Section 5.01(a). Every Certificate presented or surrendered for exchange by the initial Holder shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer attached to such Certificate and shall be completed to the satisfaction of the Trustee and the Certificate Registrar duly executed by, the initial Holder thereof or his attorney duly authorized in writing. The Certificates of any Subclass of Class A-V Certificates may be transferred in whole, but not in part, in accordance with the provisions of Section 5.02. Section 5.02. Registration of Transfer and Exchange of Certificates. (See Section 5.02 of the Standard Terms) Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the Standard Terms) Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms) 40 Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms) Section 5.06. U.S.A. Patriot Act Compliance. (See Section 5.06 of the Standard Terms) 41 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 42 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 43 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 44 ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 45 ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms) Section 10.02. Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms) Section 10.03. Designation of REMICs. The REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans) as a REMIC ("REMIC I") and will make an election to treat the pool of assets comprised of the Uncertificated REMIC I Regular Interests as a REMIC ("REMIC II") for federal income tax purposes. The Uncertificated REMIC I Regular Interests will be "regular interests" in REMIC I and the Class R-I Certificates will be the sole class of "residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under the federal income tax law. 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-P, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates and the Uncertificated REMIC II Regular Interests Z, the rights in and to which will be represented by the Class A-V Certificates, will be "regular interests" in REMIC II, and the Class R-II Certificates will be the sole class of "residual interests" therein for purposes of the REMIC Provisions (as defined herein) under federal income tax law. On and after the date of issuance of any Subclass of Class A-V Certificates pursuant to Section 5.01(c), any such Subclass will represent the Uncertificated REMIC II Regular Interest or Interests Z specified by the initial Holder of the Class A-V Certificates pursuant to said Section. Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests. (a)On each Distribution Date the Trustee shall be deemed to distribute to itself, as the holder of the Uncertificated REMIC I Regular Interests, the Uncertificated REMIC I Regular Interest Distribution Amounts in the following order of priority to the extent of the Available Distribution Amount reduced by distributions made to the Class R-I Certificates pursuant to Section 4.02(a): (i) Uncertificated Accrued Interest on the Uncertificated REMIC I Regular Interests for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) In accordance with the priority set forth in Section 10.04(b), an amount equal to the sum of the amounts in respect of principal distributable on each Class of Certificates (other than the Class R-I Certificates) under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). 46 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest T, (ii) Uncertificated REMIC I Regular Interest U, (iii) Uncertificated REMIC I Regular Interest V, (iv) Uncertificated REMIC I Regular Interest W, (v) Uncertificated REMIC I Regular Interest X and (vi) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to each Related Class of Certificates (other than the Class R-I Certificates), respectively, under Section 4.02(b) until the Uncertificated Principal Balance of each such interest is reduced to zero. (c)The portion of the Uncertificated REMIC I Regular Interest Distribution Amounts described in Section 10.04(a)(ii) shall be deemed distributed by REMIC I to REMIC II in accordance with the priority assigned to the REMIC II Certificates relative to that assigned to the REMIC I Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts and Uncertificated REMIC II Regular Interest Distribution Amounts: (i) Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to the Uncertificated REMIC II Regular Interests Z pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC II Regular Interests Z for the Distribution Date for which such allocation is being made in the absence of such allocation; (ii) Realized Losses allocated to the Class A-1, Class A-2, Class A-3 and the Class A-12 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (iii) Realized Losses allocated to the Class A-4 Certificates and Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (iv) Realized Losses allocated to the Class A-6, Class A-7, Class A-8 and Class A-11 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (v) Realized Losses allocated to the Class A-9 Certificates and Class A-10 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (vi) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (vii) Realized Losses allocated to the Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Y; and (viii) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. 47 (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the Holders of each Class of Certificates (other than the Class R-I Certificates) the amounts distributable thereon from the Uncertificated REMIC I Regular Interest Distribution Amounts deemed to have been received by REMIC II from REMIC I under this Section 10.04. The amounts deemed distributed hereunder with respect to the Class A-V Certificates shall be deemed to have been distributed in respect of the Uncertificated REMIC II Regular Interests Z in accordance with their respective Uncertificated REMIC II Regular Interest Distribution Amounts, as such Uncertificated REMIC II Regular Interests Z comprise the Class A-V Certificates. (f)Notwithstanding the deemed distributions on the Uncertificated REMIC I Regular Interests described in this Section 10.04, distributions of funds from the Certificate Account shall be made only in accordance with Section 4.02. Section 10.05. Compliance with Withholding Requirements. Notwithstanding any other provision of this Agreement, the Trustee or any Paying Agent, as applicable, shall comply with all federal withholding requirements respecting payments to Certificateholders, including interest or original issue discount payments or advances thereof that the Trustee or any Paying Agent, as applicable, reasonably believes are applicable under the Code. The consent of Certificateholders shall not be required for such withholding. In the event the Trustee or any Paying Agent, as applicable, does withhold any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Trustee or any Paying Agent, as applicable, shall indicate the amount withheld to such Certificateholder pursuant to the terms of such requirements. 48 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (See Section 11.01 of the Standard Terms) Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms) Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms) Section 11.04. Governing Law. (See Section 11.04 of the Standard Terms) Section 11.05. Notices. All demands and notices hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid (except for notices to the Trustee which shall be deemed to have been duly given only when received), to the appropriate address for each recipient listed in the table below or, in each case, such other address as may hereafter be furnished in writing to the Master Servicer, the Trustee and the Company, as applicable: ------------------------------ ------------------------------------------------ RECIPIENT ADDRESS ------------------------------ ------------------------------------------------ ------------------------------ ------------------------------------------------ Company 8400 Normandale Lake Boulevard Suite 250, Minneapolis, Minnesota 55437, Attention: President ------------------------------ ------------------------------------------------ ------------------------------ ------------------------------------------------ Master Servicer 2255 N. Ontario Street, Suite 400 Burbank, California 91504-2130, Attention: Managing Director/Master Servicing ------------------------------ ------------------------------------------------ ------------------------------ ------------------------------------------------ Trustee Corporate Trust Office 1761 East St. Andrew Place Santa Ana, California 92705-4934, Attention: Residential Accredit Loans, Inc. Series 2004-QS8 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms ------------------------------ ------------------------------------------------ ------------------------------ ------------------------------------------------ Fitch Ratings One State Street Plaza New York, New York 10004 ------------------------------ ------------------------------------------------ ------------------------------ ------------------------------------------------ Standard & Poor's Ratings 55 Water Street Services, a division of The New York, New York 10041 McGraw-Hill Companies, Inc. ------------------------------ ------------------------------------------------ 49 Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms) Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms) Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms) Section 11.09. Allocation of Voting Rights. 96% of all of the Voting Rights shall be allocated among Holders of Certificates, other than the Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates, 1% of all Voting Rights shall be allocated among the Holders of the Class A-5 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-10 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-V Certificates, in accordance with their respective Percentage Interests; 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-I Certificates, in accordance with their respective Percentage Interests; and 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-II Certificates, in accordance with their respective Percentage Interests. Section 11.10. No Petition. The Depositor, Master Servicer and the Trustee, by entering into this Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they will not at any time institute against the Trust Fund, or join in any institution against the Trust Fund of, any bankruptcy proceedings under any United States federal or state bankruptcy or similar law in connection with any obligation with respect to the Certificates or this Agreement. 50 IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written. RESIDENTIAL ACCREDIT LOANS, INC. [Seal] By: /s/ Joseph Orning Name: Joseph Orning Title: Vice President Attest: _/s/ Mark White__________ Name: Mark White Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: /s/ Mark White Name: Mark White Title: Associate Attest: _/s/ Joseph Orning__________ Name: Joseph Orning Title: Vice President DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: /s/ Brent Hoyler Name: Brent Hoyler Title: Associate By: /s/ Ronaldo Reyes Name: Ronaldo Reyes Title: Assistant Vice President Attest: /s/ Jeremy Conyers Name: Jeremy Conyers Title: Associate 51 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of June, 2004 before me, a notary public in and for said State, personally appeared Joseph Orning, known to me to be a Vice President of Residential Accredit Loans, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Brian S. Bangerter Notary Public [Notarial Seal] 52 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 29th day of June, 2004 before me, a notary public in and for said State, personally appeared _Mark White_________, known to me to be a(n) _Associate_____ of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Brian S. Bangerter Notary Public [Notarial Seal] 53 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 29th day of June, 2004 before me, a notary public in and for said State, personally appeared __Brent Hoyler________, known to me to be a(n) _Associate________ of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Amy Lynn Stoddard Notary Public [Notarial Seal] 54 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 29th day of June, 2004 before me, a notary public in and for said State, personally appeared _Ronaldo Reyes_____, known to me to be a(n) Assistant Vice President of Deutsche Bank Trust Company Americas, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. /s/ Amy Lynn Stoddard Notary Public [Notarial Seal] 55 EXHIBIT ONE MORTGAGE LOAN SCHEDULE Fixed Rate Loan Loan Number S/S Code Payment Type Original Bal Loan Feature Orig Term Principal Bal # of Units Orig Rate Original PI LTV Net Curr Current PI City State Zip Loan Purp Note Date MI Co Code Servicer Loan # Prop Type First Pay Date MI Coverage Seller Loan # Occup Code Maturity Date Investor Loan # 8419414 E22/G02 F 289,600.00 ZZ 360 286,193.16 1 5.7500 1690.03 80 5.5000 1690.03 DELRAY BEACH FL 33445 1 06/30/03 00 0417226164 03 08/01/03 0.0000 0417226164 O 07/01/33 0 8474134 286/286 F 96,000.00 ZZ 360 94,926.93 1 6.5000 606.79 80 6.2500 606.79 PHOENIX AZ 85037 2 05/22/03 00 2077543 05 07/01/03 0.0000 2077543 O 06/01/33 0 8535512 964/G02 F 177,000.00 ZZ 360 174,559.33 1 5.3750 991.15 51 5.1250 991.15 TORRANCE CA 90504 1 07/22/03 00 0436351183 05 09/01/03 0.0000 466730 O 08/01/33 0 8556704 286/286 F 455,200.00 ZZ 360 450,207.10 1 6.1250 2765.85 80 5.8750 2765.85 FLOWER MOUND TX 75022 1 06/16/03 00 2350676 05 08/01/03 0.0000 2350676 O 07/01/33 0 8557022 286/286 F 152,400.00 ZZ 360 150,805.39 1 6.3750 950.78 80 6.1250 950.78 ORTONVILLE MI 48462 5 06/09/03 00 2350559 05 08/01/03 0.0000 2350559 O 07/01/33 0 8620958 E82/G01 F 161,000.00 ZZ 360 159,421.55 1 5.6250 926.81 83 5.3750 926.81 SANDY UT 84093 2 08/25/03 04 0400866554 05 10/01/03 12.0000 0400866554 O 09/01/33 0 8757948 286/286 F 159,000.00 ZZ 360 157,935.73 1 7.0000 1057.84 73 6.7500 1057.84 CIRCLEVILLE OH 43113 1 09/19/03 00 2784276 05 11/01/03 0.0000 2784276 O 10/01/33 0 8913997 R68/G02 F 184,000.00 ZZ 360 183,641.42 1 6.1250 1118.00 80 5.8750 1118.00 SUNRISE FL 33326 1 03/29/04 00 0437665854 03 05/01/04 0.0000 20040625 O 04/01/34 0 8920125 R68/G02 F 147,000.00 ZZ 360 146,592.32 1 5.7500 857.85 64 5.5000 857.85 HOLLYWOOD FL 33021 5 03/26/04 00 0437652936 05 05/01/04 0.0000 20032937 O 04/01/34 0 8920959 E23/G02 F 205,600.00 ZZ 360 205,106.58 1 5.8750 1216.20 80 5.6250 1216.20 DRAPER UT 84020 2 03/02/04 00 0437648835 05 05/01/04 0.0000 42003386 O 04/01/34 0 8922995 X31/G02 F 99,450.00 ZZ 360 99,265.29 1 6.3750 620.44 90 6.1250 620.44 HIGH ROLLS MOUNM 88325 1 03/24/04 10 0437677362 05 05/01/04 25.0000 70001978 O 04/01/34 0 8929769 E23/G02 F 147,000.00 ZZ 360 146,722.62 1 6.3750 917.09 66 6.1250 917.09 WHITETHORN CA 95589 1 03/02/04 00 0437680499 05 05/01/04 0.0000 62012087 O 04/01/34 0 8931123 E82/G02 F 136,800.00 ZZ 360 136,670.20 1 6.2500 842.30 74 6.0000 842.30 EL PASO TX 79932 2 04/09/04 00 0400962817 05 06/01/04 0.0000 0400962817 O 05/01/34 0 8931215 E22/G02 F 210,000.00 ZZ 360 209,780.75 1 5.7500 1225.50 78 5.5000 1225.50 SEATTLE WA 98112 1 04/01/04 00 420269052 05 06/01/04 0.0000 0420269052 O 05/01/34 0 8931257 E22/G02 F 500,000.00 ZZ 360 499,477.97 1 5.7500 2917.86 63 5.5000 2917.86 PASADENA CA 91106 5 04/01/04 00 0420304735 05 06/01/04 0.0000 0420304735 O 05/01/34 0 8931297 E22/G02 F 123,200.00 ZZ 360 123,077.35 1 6.0000 738.65 80 5.7500 738.65 WINLOCK WA 98596 5 04/02/04 00 0419645635 05 06/01/04 0.0000 0419645635 O 05/01/34 0 8931325 E22/G02 F 88,650.00 ZZ 360 88,561.75 1 6.0000 531.50 74 5.7500 531.50 HOUSTON TX 77009 2 04/07/04 00 0419842323 05 06/01/04 0.0000 0419842323 O 05/01/34 0 8931539 E22/G02 F 130,000.00 ZZ 360 129,786.13 1 6.1250 789.89 75 5.8750 789.89 EATON RAPIDS MI 48827 5 04/07/04 00 0420099244 05 06/01/04 0.0000 0420099244 O 05/01/34 0 8931541 E22/G02 F 70,300.00 ZZ 360 70,226.60 1 5.7500 410.25 89 5.5000 410.25 BANDERA TX 78003 2 04/05/04 10 0420099681 05 06/01/04 25.0000 0420099681 O 05/01/34 0 8931547 E22/G02 F 175,000.00 ZZ 360 174,821.58 1 5.8750 1035.19 67 5.6250 1035.19 BLUE EYE MO 65611 5 04/07/04 00 0420115776 05 06/01/04 0.0000 0420115776 O 05/01/34 0 8931609 E22/G02 F 333,700.00 ZZ 360 333,398.33 1 6.5000 2109.21 89 6.2500 2109.21 GERMANTOWN TN 38139 1 04/12/04 01 0420146060 03 06/01/04 30.0000 0420146060 O 05/01/34 0 8931777 E22/G02 F 58,000.00 ZZ 360 57,833.57 1 6.1250 352.41 80 5.8750 352.41 FRESNO CA 93704 1 03/19/04 00 0420342164 05 05/01/04 0.0000 0420342164 N 04/01/34 0 8931793 E22/G02 F 98,000.00 TX 360 97,911.40 1 6.5000 619.43 73 6.2500 619.43 HOUSTON TX 77024 5 04/07/04 00 0420348823 01 06/01/04 0.0000 0420348823 O 05/01/34 0 8931815 E22/G02 F 51,000.00 ZZ 360 50,953.90 1 6.5000 322.35 57 6.2500 322.35 BAILEY MI 49303 5 04/06/04 00 0420364846 05 06/01/04 0.0000 0420364846 O 05/01/34 0 8931843 E22/G02 F 157,500.00 ZZ 360 157,350.56 1 6.2500 969.75 90 6.0000 969.75 LAS VEGAS NV 89121 1 04/02/04 01 0420392409 05 06/01/04 30.0000 0420392409 O 05/01/34 0 8931851 E22/G02 F 281,000.00 ZZ 360 280,706.62 1 5.7500 1639.84 76 5.5000 1639.84 LOS ANGELES CA 91042 5 04/02/04 00 0420396251 05 06/01/04 0.0000 0420396251 O 05/01/34 0 8931877 E22/G02 F 73,500.00 ZZ 360 73,421.42 1 5.6250 423.11 70 5.3750 423.11 WENATCHEE WA 98801 5 04/06/04 00 0420417164 05 06/01/04 0.0000 0420417164 O 05/01/34 0 8932729 Y94/G02 F 472,000.00 ZZ 360 471,495.40 1 5.6250 2717.10 75 5.3750 2717.10 TEMPLETON CA 93465 5 04/01/04 00 0437712052 05 06/01/04 0.0000 0000010357 O 05/01/34 0 8933383 952/G02 F 212,000.00 T 360 211,817.47 1 6.7500 1375.03 55 6.5000 1375.03 RIVER VALE NJ 07675 5 04/02/04 00 0437717283 05 06/01/04 0.0000 00620795 O 05/01/34 0 8933641 U85/G02 F 97,900.00 ZZ 360 97,811.50 1 6.5000 618.79 70 6.2500 618.79 BETTENDORF IA 52722 2 04/09/04 00 0437715410 05 06/01/04 0.0000 TQSKOSGARD O 05/01/34 0 8933977 E22/G02 F 93,400.00 ZZ 360 93,304.77 1 5.8750 552.50 65 5.6250 552.50 PUNTA GORDA FL 33950 5 04/08/04 00 0420367245 01 06/01/04 0.0000 0420367245 O 05/01/34 0 8933981 E22/G02 F 128,000.00 ZZ 360 127,872.58 1 6.0000 767.42 80 5.7500 767.42 HOTCHKISS CO 81419 2 04/08/04 00 0420389488 05 06/01/04 0.0000 0420389488 O 05/01/34 0 8934091 E22/G02 F 204,000.00 ZZ 360 203,796.92 1 6.0000 1223.08 80 5.7500 1223.08 SAN JOSE CA 95127 5 04/02/04 00 0420361057 01 06/01/04 0.0000 0420361057 O 05/01/34 0 8934209 E22/G02 F 195,000.00 ZZ 360 194,805.88 1 6.0000 1169.12 73 5.7500 1169.12 SILVER SPRING MD 20906 5 04/08/04 00 0420317414 05 06/01/04 0.0000 0420317414 O 05/01/34 0 8934225 E22/G02 F 87,000.00 ZZ 360 86,911.30 1 5.8750 514.64 37 5.6250 514.64 SEATTLE WA 98144 5 04/05/04 00 0420326746 05 06/01/04 0.0000 0420326746 O 05/01/34 0 8934235 E22/G02 F 103,000.00 ZZ 360 102,894.99 1 5.8750 609.28 77 5.6250 609.28 CANTON NC 28716 2 04/08/04 00 0420231961 05 06/01/04 0.0000 0420231961 O 05/01/34 0 8934261 E22/G02 F 224,500.00 ZZ 360 224,265.61 3 5.7500 1310.12 32 5.5000 1310.12 SAN DIEGO CA 92103 5 04/08/04 00 0420253403 05 06/01/04 0.0000 0420253403 O 05/01/34 0 8934379 E22/G02 F 420,000.00 ZZ 360 419,571.79 1 5.8750 2484.46 80 5.6250 2484.46 TOLEDO WA 98591 5 04/06/04 00 0420275349 05 06/01/04 0.0000 0420275349 O 05/01/34 0 8934389 E22/G02 F 448,000.00 ZZ 360 447,574.92 1 6.2500 2758.41 80 6.0000 2758.41 GRAND JUNCTIONCO 81503 5 04/08/04 00 0420284242 03 06/01/04 0.0000 0420284242 O 05/01/34 0 8934437 E22/G02 F 176,500.00 ZZ 360 176,324.29 1 6.0000 1058.21 64 5.7500 1058.21 SILVER SPRING MD 20902 5 04/08/04 00 0420208530 05 06/01/04 0.0000 0420208530 O 05/01/34 0 8934503 E22/G02 F 375,000.00 TX 360 374,617.67 1 5.8750 2218.27 75 5.6250 2218.27 HOUSTON TX 77027 5 04/08/04 00 0420108532 03 06/01/04 0.0000 0420108532 O 05/01/34 0 8934517 E22/G02 F 455,000.00 ZZ 360 454,536.10 2 5.8750 2691.50 80 5.6250 2691.50 WEST ROXBURY MA 02132 5 04/05/04 00 0420117608 05 06/01/04 0.0000 0420117608 O 05/01/34 0 8934539 E22/G02 F 170,000.00 ZZ 360 169,822.51 1 5.7500 992.07 51 5.5000 992.07 WEEHAWKEN NJ 07087 5 04/08/04 00 0420158859 08 06/01/04 0.0000 0420158859 O 05/01/34 0 8934691 E22/G02 F 126,000.00 ZZ 360 125,874.57 1 6.0000 755.43 90 5.7500 755.43 KATY TX 77449 2 04/08/04 01 0420499758 03 06/01/04 25.0000 0420499758 O 05/01/34 0 8934763 E22/G02 F 85,600.00 ZZ 360 85,514.78 1 6.0000 513.22 80 5.7500 513.22 CHARLOTTE NC 28215 1 04/13/04 00 0420460099 05 06/01/04 0.0000 0420460099 O 05/01/34 0 8934797 E22/G02 F 188,000.00 TX 360 186,789.76 1 5.7500 1097.12 80 5.5000 1097.12 RICHARDSON TX 75082 5 04/08/04 00 0420390288 05 06/01/04 0.0000 0420390288 O 05/01/34 0 8934859 E22/G02 F 116,200.00 ZZ 360 116,089.75 1 6.2500 715.46 70 6.0000 715.46 BOILING SPRINGSC 29316 1 04/13/04 00 0420407728 05 06/01/04 0.0000 0420407728 O 05/01/34 0 8934893 E22/G02 F 228,000.00 ZZ 360 227,761.95 1 5.7500 1330.55 62 5.5000 1330.55 SANDY UT 84092 5 04/05/04 00 0420420143 05 06/01/04 0.0000 0420420143 O 05/01/34 0 8934899 A52/G02 F 264,229.00 ZZ 360 264,001.51 1 6.7500 1713.78 80 6.5000 1713.78 CANTON GA 30114 1 04/07/04 00 0437767916 03 06/01/04 0.0000 29463 O 05/01/34 0 8935387 S27/G02 F 161,500.00 ZZ 360 161,354.00 1 6.5000 1020.79 95 6.2500 1020.79 SPRING HILL FL 34606 1 04/07/04 10 0437712870 05 06/01/04 30.0000 1010036003 O 05/01/34 0 8935441 F89/G02 F 214,400.00 ZZ 360 213,961.75 1 5.8750 1268.26 80 5.6250 1268.26 FONTANA CA 92337 2 03/18/04 00 0437716012 05 05/01/04 0.0000 17240350 O 04/01/34 0 8935753 G75/G02 F 128,000.00 ZZ 360 127,744.52 1 6.0000 767.42 80 5.7500 767.42 LYNDHURST VA 22952 1 03/31/04 00 0437712672 05 05/01/04 0.0000 501823 O 04/01/34 0 8936319 Q30/G02 F 244,000.00 ZZ 360 243,512.06 1 5.9900 1461.33 79 5.7400 1461.33 BOCA RATON FL 33428 1 03/19/04 00 0437738610 03 05/01/04 0.0000 32016328 O 04/01/34 0 8936555 M50/G02 F 100,000.00 ZZ 360 99,907.38 1 6.3750 623.87 67 6.1250 623.87 CARLSBAD NM 88220 1 04/08/04 00 0437789019 05 06/01/04 0.0000 1015917 O 05/01/34 0 8936673 H58/G02 F 166,400.00 ZZ 360 166,067.87 1 6.0000 997.65 79 5.7500 997.65 PHOENIX AZ 85023 2 03/17/04 00 0437732746 03 05/01/04 0.0000 218806 O 04/01/34 0 8936683 H58/G02 F 140,000.00 ZZ 360 139,733.64 1 6.2500 862.00 73 6.0000 862.00 FRESNO CA 93722 5 03/24/04 00 0437718661 05 05/01/04 0.0000 220719 O 04/01/34 0 8936693 H58/G02 F 285,000.00 ZZ 360 284,483.32 1 6.5000 1801.39 69 6.2500 1801.39 MORRISTOWN AZ 85342 5 03/04/04 00 0437724040 05 05/01/04 0.0000 215526 O 04/01/34 0 8936701 H58/G02 F 142,000.00 ZZ 360 141,723.26 1 6.1250 862.81 52 5.8750 862.81 LOMPOC CA 93436 5 03/02/04 00 0437723810 05 05/01/04 0.0000 210697 O 04/01/34 0 8936711 H58/G02 F 175,000.00 ZZ 360 174,667.03 1 6.2500 1077.51 80 6.0000 1077.51 CAMAS WA 98607 2 02/26/04 00 0437724313 05 05/01/04 0.0000 217332 O 04/01/34 0 8936717 H58/G02 F 472,900.00 ZZ 360 472,000.24 1 6.2500 2911.73 80 6.0000 2911.73 PITTSBURG CA 94565 1 03/12/04 00 0437716319 05 05/01/04 0.0000 202825 O 04/01/34 0 8936721 H58/G02 F 192,000.00 ZZ 360 191,625.83 1 6.1250 1166.61 80 5.8750 1166.61 SACRAMENTO CA 95833 2 03/18/04 00 0437723356 05 05/01/04 0.0000 218279 O 04/01/34 0 8936767 H58/G02 F 260,000.00 ZZ 360 259,481.05 1 6.0000 1558.83 76 5.7500 1558.83 LOMPOC CA 93436 5 03/09/04 00 0437724255 05 05/01/04 0.0000 216359 O 04/01/34 0 8936769 H58/G02 F 263,248.00 ZZ 360 262,683.84 1 5.6250 1515.40 80 5.3750 1515.40 SACRAMENTO CA 95822 1 03/19/04 00 0437722788 05 05/01/04 0.0000 219862 O 04/01/34 0 8936777 H58/G02 F 309,000.00 ZZ 360 308,397.82 1 6.1250 1877.51 73 5.8750 1877.51 SAN LORENZO CA 94580 5 03/04/04 00 0437712607 05 05/01/04 0.0000 217071 O 04/01/34 0 8936781 H58/G02 F 320,000.00 ZZ 360 319,447.43 1 6.7500 2075.51 80 6.5000 2075.51 BORING OR 97009 5 03/02/04 00 0437725393 03 05/01/04 0.0000 217525 O 04/01/34 0 8936795 H58/G02 F 93,592.00 ZZ 360 93,389.37 1 5.7500 546.18 80 5.5000 546.18 BAKERSFIELD CA 93307 1 03/19/04 00 0437722598 05 05/01/04 0.0000 217724 N 04/01/34 0 8936805 H58/G02 F 130,000.00 ZZ 360 129,752.66 1 6.2500 800.43 75 6.0000 800.43 BEAVERTON OR 97007 1 03/04/04 00 0437713357 03 05/01/04 0.0000 212682 O 04/01/34 0 8936809 H58/G02 F 133,600.00 ZZ 360 133,345.80 1 6.2500 822.60 80 6.0000 822.60 ELK GROVE CA 95624 1 03/04/04 00 0437718992 05 05/01/04 0.0000 217513 O 04/01/34 0 8937727 956/G02 F 71,900.00 ZZ 360 71,756.48 1 6.0000 431.08 80 5.7500 431.08 NEW MARKET AL 35761 1 03/25/04 00 0437787468 05 05/01/04 0.0000 4614030096 O 04/01/34 0 8937751 956/G02 F 550,000.00 ZZ 360 548,269.04 1 5.7500 3209.65 74 5.5000 3209.65 HOUSTON TX 77069 1 02/27/04 00 0437787542 03 04/01/04 0.0000 3214010091 O 03/01/34 0 8937757 956/G02 F 72,250.00 ZZ 360 71,935.46 1 6.7500 468.61 72 6.5000 468.61 LOUISVILLE KY 40291 2 12/22/03 00 0437787567 05 02/01/04 0.0000 3313120052 N 01/01/34 0 8937759 956/G02 F 72,500.00 ZZ 360 72,184.38 1 6.7500 470.23 71 6.5000 470.23 LOUISVILLE KY 40291 2 12/22/03 00 0437787575 05 02/01/04 0.0000 3313120055 N 01/01/34 0 8937761 956/G02 F 69,900.00 ZZ 360 69,595.69 1 6.7500 453.37 68 6.5000 453.37 LOUISVILLE KY 40291 2 12/22/03 00 0437787583 05 02/01/04 0.0000 3313120056 N 01/01/34 0 8937763 956/G02 F 67,700.00 ZZ 360 67,405.25 1 6.7500 439.10 68 6.5000 439.10 LOUISVILLE KY 40217 2 12/22/03 00 0437787591 05 02/01/04 0.0000 3313120057 N 01/01/34 0 8937765 956/G02 F 61,400.00 ZZ 360 61,132.70 1 6.7500 398.24 65 6.5000 398.24 LOUISVILLE KY 40291 2 12/22/03 00 0437787609 05 02/01/04 0.0000 3313120058 N 01/01/34 0 8939601 E22/G02 F 47,250.00 ZZ 360 47,210.30 1 6.8750 310.40 75 6.6250 310.40 NILES MI 49120 5 04/14/04 00 0420383556 05 06/01/04 0.0000 0420383556 N 05/01/34 0 8939605 P09/G02 F 153,600.00 ZZ 360 153,454.26 1 6.2500 945.74 94 6.0000 945.74 ARNOLD MD 21012 2 04/05/04 10 0437822455 07 06/01/04 30.0000 04040001 O 05/01/34 0 8940725 U05/G02 F 269,500.00 ZZ 240 268,295.59 1 5.7500 1892.12 70 5.5000 1892.12 CORNELIUS OR 97113 5 03/19/04 00 0437809668 05 05/01/04 0.0000 3454375 O 04/01/24 0 8940879 X91/G02 F 235,000.00 ZZ 360 234,760.41 1 5.8750 1390.11 55 5.6250 1390.11 HONOLULU HI 96815 1 04/02/04 00 0437939432 01 06/01/04 0.0000 812580 N 05/01/34 0 8941087 E84/G02 F 624,000.00 ZZ 360 622,724.49 1 5.8750 3691.20 80 5.6250 3691.20 GLENDALE CA 91207 5 03/01/04 00 0437781297 05 05/01/04 0.0000 30450747 O 04/01/34 0 8941111 E84/G02 F 375,000.00 ZZ 360 370,809.70 1 5.5000 2129.21 78 5.2500 2129.21 ALAMEDA CA 94502 2 07/10/03 00 0437780182 03 09/01/03 0.0000 53530162 O 08/01/33 0 8941181 E84/G02 F 430,000.00 ZZ 360 425,584.94 1 5.3750 2407.88 69 5.1250 2407.88 NORTHRIDGE CA 91326 5 08/05/03 00 0437779846 03 10/01/03 0.0000 93500347 O 09/01/33 0 8941187 E84/G02 F 384,000.00 ZZ 360 383,196.24 1 5.7500 2240.92 80 5.5000 2240.92 SANTA ANA CA 92701 5 03/03/04 00 0437780422 05 05/01/04 0.0000 93502877 O 04/01/34 0 8941199 E84/G02 F 348,200.00 ZZ 360 347,471.18 1 5.7500 2032.00 72 5.5000 2032.00 YORBA LINDA CA 92886 5 03/12/04 00 0437825029 05 05/01/04 0.0000 93503036 O 04/01/34 0 8941219 E84/G02 F 520,000.00 ZZ 360 518,363.45 1 5.7500 3034.58 80 5.5000 3034.58 LAS VEGAS NV 89117 5 02/17/04 00 0437780455 03 04/01/04 0.0000 98800528 O 03/01/34 0 8941271 E84/G02 F 375,500.00 ZZ 360 374,732.46 1 5.8750 2221.22 80 5.6250 2221.22 PLAINFIELD IL 60544 1 03/15/04 00 0437751035 03 05/01/04 0.0000 1101128910 O 04/01/34 0 8941339 E84/G02 F 706,000.00 ZZ 360 704,556.87 1 5.8750 4176.26 75 5.6250 4176.26 PLEASANTON CA 94588 5 03/08/04 00 0437748916 03 05/01/04 0.0000 1101139989 O 04/01/34 0 8941353 E84/G02 F 400,000.00 ZZ 360 399,182.37 1 5.8750 2366.15 80 5.6250 2366.15 SALINAS CA 93901 5 03/10/04 00 0437781255 05 05/01/04 0.0000 1101145146 O 04/01/34 0 8942191 E22/G02 F 75,000.00 ZZ 240 74,851.61 1 6.7500 570.27 75 6.5000 570.27 BRICK NJ 08724 1 04/15/04 00 0420312290 01 06/01/04 0.0000 0420312290 N 05/01/24 0 8945091 E22/G02 F 45,430.00 ZZ 360 45,383.68 1 5.8750 268.74 70 5.6250 268.74 RENO NV 89512 1 04/15/04 00 0420285009 01 06/01/04 0.0000 0420285009 N 05/01/34 0 8945803 E47/G02 F 71,200.00 ZZ 360 71,135.64 1 6.5000 450.03 80 6.2500 450.03 SAN ANTONIO TX 78230 1 04/15/04 00 0437832231 01 06/01/04 0.0000 7328012203 O 05/01/34 0 8947471 N74/G02 F 105,300.00 ZZ 360 105,135.22 1 7.2500 718.33 90 7.0000 718.33 RALEIGH NC 27601 1 04/01/04 01 0437943954 05 05/01/04 25.0000 2200001783 N 04/01/34 0 8947585 E22/G02 F 88,500.00 ZZ 360 88,411.90 1 6.0000 530.60 79 5.7500 530.60 WESTFIELD IN 46064 5 04/14/04 00 0420432841 05 06/01/04 0.0000 0420432841 O 05/01/34 0 8947613 E22/G02 F 51,500.00 ZZ 360 51,452.30 1 6.3750 321.29 72 6.1250 321.29 HUNTSVILLE AL 35810 2 04/19/04 00 0420441701 05 06/01/04 0.0000 0420441701 N 05/01/34 0 8947637 E22/G02 F 262,500.00 ZZ 360 262,244.86 3 6.1250 1594.98 70 5.8750 1594.98 METUCHEN NJ 08840 5 04/12/04 00 0420453565 05 06/01/04 0.0000 0420453565 O 05/01/34 0 8948113 E22/G02 F 196,000.00 ZZ 360 195,809.50 2 6.1250 1190.92 80 5.8750 1190.92 ANCHORAGE AK 99507 1 04/19/04 00 0420319659 05 06/01/04 0.0000 0420319659 O 05/01/34 0 8948165 E47/G02 F 123,200.00 ZZ 360 122,948.18 1 5.8750 728.77 80 5.6250 728.77 MODESTO CA 95358 2 03/19/04 00 0437818933 05 05/01/04 0.0000 7359518373 O 04/01/34 0 8948331 E47/G02 F 82,800.00 ZZ 360 82,721.44 1 6.2500 509.81 80 6.0000 509.81 WALDORF MD 20602 1 04/08/04 00 0437851348 09 06/01/04 0.0000 7342510961 N 05/01/34 0 8948679 E22/G02 F 150,000.00 T 360 149,843.39 1 5.7500 875.36 24 5.5000 875.36 PACIFIC GROVE CA 93950 2 04/12/04 00 0420038978 05 06/01/04 0.0000 0420038978 O 05/01/34 0 8950279 P59/G02 F 425,000.00 ZZ 360 424,586.93 2 6.1250 2582.34 51 5.8750 2582.34 PASO ROBLES CA 93446 5 04/07/04 00 0437762479 05 06/01/04 0.0000 AT008584 O 05/01/34 0 8951819 E22/G02 F 268,000.00 ZZ 360 267,726.76 1 5.8750 1585.32 80 5.6250 1585.32 SALT LAKE CITYUT 84124 1 04/15/04 00 0420427452 05 06/01/04 0.0000 0420427452 O 05/01/34 0 8951883 E22/G02 F 67,000.00 ZZ 360 66,940.89 1 6.6250 429.01 80 6.3750 429.01 ESSEXVILLE MI 48732 5 04/15/04 00 0420380164 05 06/01/04 0.0000 0420380164 O 05/01/34 0 8951963 E22/G02 F 132,000.00 TX 360 131,868.59 1 6.0000 791.41 74 5.7500 791.41 HURST TX 76054 5 04/15/04 00 0420350704 05 06/01/04 0.0000 0420350704 O 05/01/34 0 8952137 N47/G02 F 225,300.00 ZZ 360 225,086.23 1 6.2500 1387.21 80 6.0000 1387.21 YORBA LINDA CA 92886 2 04/12/04 00 0437935786 01 06/01/04 0.0000 30514829 N 05/01/34 0 8952177 E22/G02 F 399,000.00 ZZ 360 398,602.79 1 6.0000 2392.21 56 5.7500 2392.21 SAN FRANCISCO CA 94132 5 04/07/04 00 0420254096 05 06/01/04 0.0000 0420254096 O 05/01/34 0 8953327 Y12/G02 F 275,400.00 ZZ 360 275,138.69 1 6.2500 1695.69 90 6.0000 1695.69 MOUNT LAUREL NJ 08054 1 04/16/04 11 0437781420 05 06/01/04 25.0000 NJGINGLEN03 O 05/01/34 0 8955583 E22/G02 F 83,250.00 T 360 83,171.01 2 6.2500 512.58 75 6.0000 512.58 YAKIMA WA 98902 2 04/12/04 00 0420559122 05 06/01/04 0.0000 0420559122 O 05/01/34 0 8955835 E22/G02 F 114,500.00 ZZ 360 114,386.01 1 6.0000 686.49 79 5.7500 686.49 CHESAPEAKE VA 23320 2 04/15/04 00 0420473233 03 06/01/04 0.0000 0420473233 O 05/01/34 0 8955993 313/G02 F 450,000.00 ZZ 360 449,058.09 1 5.7500 2626.08 35 5.5000 2626.08 (SHERMAN OAKS CA 91401 2 03/11/04 00 0437777634 05 05/01/04 0.0000 10129948 O 04/01/34 0 8956009 313/G02 F 510,000.00 ZZ 360 508,957.50 1 5.8750 3016.85 68 5.6250 3016.85 SAN MARINO CA 91108 2 02/25/04 00 0437775414 05 05/01/04 0.0000 10106102 O 04/01/34 0 8956033 313/G02 F 420,000.00 ZZ 360 419,099.88 1 5.6250 2417.76 49 5.3750 2417.76 RANCHO CUCAMONCA 91739 1 03/04/04 00 0437779796 05 05/01/04 0.0000 10121770 O 04/01/34 0 8956091 E22/G02 F 68,800.00 ZZ 240 68,653.29 1 6.1250 497.88 79 5.8750 497.88 LAWTON OK 73505 2 04/16/04 00 0420397754 05 06/01/04 0.0000 0420397754 O 05/01/24 0 8956133 313/G02 F 455,000.00 ZZ 360 454,047.62 1 5.7500 2655.26 57 5.5000 2655.26 TARZANA AREA CA 91356 2 03/31/04 00 0437776941 05 05/01/04 0.0000 10143113 O 04/01/34 0 8956225 313/G02 F 475,000.00 ZZ 360 471,972.63 1 5.6250 2734.37 61 5.3750 2734.37 LOS ANGELES CA 90064 1 02/11/04 00 0437797988 01 05/01/04 0.0000 10090330 O 04/01/34 0 8956339 E22/G02 F 110,000.00 TX 360 109,887.85 1 5.8750 650.69 17 5.6250 650.69 SAN ANTONIO TX 78209 5 04/16/04 00 0420312522 05 06/01/04 0.0000 0420312522 O 05/01/34 0 8956455 313/G02 F 436,000.00 ZZ 360 435,087.40 1 5.7500 2544.38 55 5.5000 2544.38 LA CANADA FLINCA 91011 2 03/12/04 00 0437767718 05 05/01/04 0.0000 10100188 O 04/01/34 0 8956469 E22/G02 F 120,000.00 ZZ 360 119,888.86 1 6.3750 748.64 80 6.1250 748.64 SAINT PETERSBUFL 33709 5 04/15/04 00 0420335028 05 06/01/04 0.0000 0420335028 O 05/01/34 0 8956471 313/G02 F 420,000.00 ZZ 360 419,141.48 1 5.8750 2484.46 62 5.6250 2484.46 STUDIO CITY ARCA 91604 2 03/03/04 00 0437768013 05 05/01/04 0.0000 10086643 O 04/01/34 0 8956563 313/G02 F 425,000.00 ZZ 360 424,089.17 1 5.6250 2446.54 51 5.3750 2446.54 WOODLAND HILLSCA 91364 1 03/10/04 00 0437777923 05 05/01/04 0.0000 10131449 O 04/01/34 0 8956651 313/G02 F 433,000.00 ZZ 360 432,093.66 1 5.7500 2526.88 60 5.5000 2526.88 STUDIO CITY CA 91604 2 03/11/04 00 0437773831 05 05/01/04 0.0000 10114122 O 04/01/34 0 8956687 E22/G02 F 400,000.00 ZZ 360 399,592.18 1 5.8750 2366.15 70 5.6250 2366.15 DANA POINT CA 92629 5 04/14/04 00 0420308405 05 06/01/04 0.0000 0420308405 O 05/01/34 0 8956783 313/G02 F 425,000.00 ZZ 360 424,110.41 1 5.7500 2480.19 68 5.5000 2480.19 REDONDO BEACH CA 90278 2 03/16/04 00 0437775083 05 05/01/04 0.0000 10089803 O 04/01/34 0 8956807 313/G02 F 400,000.00 ZZ 360 399,182.35 1 5.8750 2366.16 75 5.6250 2366.16 WESTMINSTER CA 92683 2 03/12/04 00 0437772916 05 05/01/04 0.0000 10116697 O 04/01/34 0 8957273 E22/G02 F 500,000.00 ZZ 360 499,490.23 1 5.8750 2957.69 72 5.6250 2957.69 TILGHMAN MD 21671 5 04/16/04 00 0419888318 05 06/01/04 0.0000 0419888318 O 05/01/34 0 8958643 U05/G02 F 54,900.00 ZZ 360 54,844.03 1 5.8750 324.75 90 5.6250 324.75 WOODWARD OK 73801 2 04/08/04 01 0437902992 05 06/01/04 25.0000 3000620241 O 05/01/34 0 8958851 Y28/G02 F 132,000.00 ZZ 360 131,730.18 1 5.8750 780.83 80 5.6250 780.83 INGLEWOOD CA 90302 5 03/10/04 00 0437776867 01 05/01/04 0.0000 4001636 O 04/01/34 0 8958891 Y28/G02 F 124,000.00 ZZ 360 123,693.27 2 7.0000 824.98 80 6.7500 824.98 HOUSTON TX 77099 2 02/23/04 00 0437780471 05 04/01/04 0.0000 3006639 N 03/01/34 0 8958967 Y28/G02 F 112,000.00 ZZ 360 111,673.98 1 6.2500 689.60 80 6.0000 689.60 LANCASTER CA 93535 2 02/09/04 00 0437787831 05 04/01/04 0.0000 4000986 N 03/01/34 0 8958983 Y28/G02 F 195,303.00 ZZ 360 194,818.02 1 6.1250 1186.68 80 5.8750 1186.68 CHARLOTTE NC 28277 1 03/05/04 00 0437780695 03 05/01/04 0.0000 4001618 O 04/01/34 0 8959519 K15/G02 F 102,000.00 ZZ 360 101,896.00 1 5.8750 603.37 41 5.6250 603.37 ARLINGTON VA 22206 5 04/07/04 00 0437863442 07 06/01/04 0.0000 034405530657 N 05/01/34 0 8960153 E22/G02 F 444,000.00 ZZ 360 443,547.32 1 5.8750 2626.43 80 5.6250 2626.43 ANAHEIM CA 92802 1 04/19/04 00 0420634578 05 06/01/04 0.0000 0420634578 O 05/01/34 0 8960167 E22/G02 F 86,400.00 ZZ 360 86,334.26 2 7.3750 596.74 80 7.1250 596.74 NEW ORLEANS LA 70117 1 04/22/04 00 0420679573 05 06/01/04 0.0000 0420679573 N 05/01/34 0 8960341 E22/G02 F 130,000.00 ZZ 360 129,867.46 1 5.8750 769.00 44 5.6250 769.00 GROVELAND MA 01834 2 04/16/04 00 0420474348 05 06/01/04 0.0000 0420474348 O 05/01/34 0 8960445 E22/G02 F 75,000.00 ZZ 360 74,923.54 1 5.8750 443.65 64 5.6250 443.65 WILMINGTON NC 28403 2 04/22/04 00 0420424772 05 06/01/04 0.0000 0420424772 N 05/01/34 0 8960487 Q73/G02 F 94,860.00 ZZ 360 94,763.29 1 5.8750 561.13 90 5.6250 561.13 MURFREESBORO TN 37127 1 04/15/04 01 0437777261 05 06/01/04 25.0000 3176423 O 05/01/34 0 8960629 642/G02 F 135,000.00 ZZ 360 134,376.10 1 6.3750 842.22 40 6.1250 842.22 SALINAS CA 93907 5 04/15/04 00 0437790017 07 06/01/04 0.0000 03122604 O 05/01/34 0 8960637 E22/G02 F 130,500.00 ZZ 360 130,387.64 1 6.7500 846.42 90 6.5000 846.42 PARK RAPIDS MN 56470 1 04/22/04 10 0420127359 05 06/01/04 25.0000 0420127359 O 05/01/34 0 8961001 P01/G02 F 44,000.00 ZZ 360 43,961.18 1 6.6250 281.74 80 6.3750 281.74 UTICA NY 13501 1 04/19/04 00 0437773203 05 06/01/04 0.0000 04000585 O 05/01/34 0 8961451 E84/G02 F 415,200.00 ZZ 360 414,310.16 1 5.6250 2390.13 79 5.3750 2390.13 BERKELEY CA 94702 2 03/19/04 00 0437820319 05 05/01/04 0.0000 75014020 O 04/01/34 0 8961465 E84/G02 F 500,000.00 ZZ 360 498,953.44 1 5.7500 2917.86 80 5.5000 2917.86 OAKLAND CA 94602 1 03/24/04 00 0437797830 05 05/01/04 0.0000 75013286 O 04/01/34 0 8961479 E84/G02 F 500,000.00 ZZ 360 498,977.96 1 5.8750 2957.69 72 5.6250 2957.69 KILL DEVIL HILNC 27948 5 03/26/04 00 0437818255 05 05/01/04 0.0000 47117370 O 04/01/34 0 8961487 E84/G02 F 625,000.00 ZZ 360 623,691.79 1 5.7500 3647.33 57 5.5000 3647.33 SAN CLEMENTE CA 92673 2 03/25/04 00 0437819600 03 05/01/04 0.0000 93503620 O 04/01/34 0 8961491 E84/G02 F 416,000.00 ZZ 360 415,108.46 1 5.6250 2394.73 80 5.3750 2394.73 CASTAIC CA 91384 1 03/16/04 00 0437814502 03 05/01/04 0.0000 30450940 O 04/01/34 0 8961525 E84/G02 F 467,000.00 ZZ 360 465,686.00 1 5.6250 2688.32 79 5.3750 2688.32 DALY CITY CA 94015 2 03/22/04 00 0437818339 05 05/01/04 0.0000 75014031 O 04/01/34 0 8961527 E84/G02 F 438,000.00 ZZ 360 437,061.30 1 5.6250 2521.38 57 5.3750 2521.38 MOUNTAIN VIEW CA 94040 2 03/19/04 00 0437819956 05 05/01/04 0.0000 75014047 O 04/01/34 0 8961537 E84/G02 F 396,000.00 ZZ 360 395,209.59 1 6.0000 2374.22 80 5.7500 2374.22 SANTA CLARITA CA 91321 5 03/15/04 00 0437813983 05 05/01/04 0.0000 93503005 O 04/01/34 0 8961539 E84/G02 F 702,000.00 ZZ 360 700,565.04 1 5.8750 4152.60 74 5.6250 4152.60 SAN DIEGO CA 92037 5 03/24/04 00 0437794985 05 05/01/04 0.0000 93503323 O 04/01/34 0 8961575 E84/G02 F 416,000.00 ZZ 360 415,065.62 1 5.3750 2329.48 80 5.1250 2329.48 CHAPEL HILL NC 27514 1 03/31/04 00 0437793706 05 05/01/04 0.0000 1101149515 O 04/01/34 0 8961591 E84/G02 F 530,000.00 ZZ 360 528,890.63 1 5.7500 3092.94 67 5.5000 3092.94 SAN CLEMENTE CA 92673 5 03/19/04 00 0437814064 03 05/01/04 0.0000 93503816 O 04/01/34 0 8961613 E84/G02 F 558,400.00 ZZ 360 557,311.77 1 6.1250 3392.90 80 5.8750 3392.90 RANCHO CUCAMONCA 91737 5 03/23/04 00 0437816531 03 05/01/04 0.0000 93503445 O 04/01/34 0 8962003 R84/G02 F 93,800.00 T 360 93,800.00 1 6.3750 585.19 71 6.1250 585.19 LAS VEGAS NV 89118 5 04/07/04 00 0437780216 01 06/07/04 0.0000 LVR7566 O 05/07/34 0 8962467 E22/G02 F 57,000.00 ZZ 360 56,952.11 1 6.8750 374.45 74 6.6250 374.45 POCOMOKE CITY MD 21851 5 04/23/04 00 0420693673 05 06/01/04 0.0000 0420693673 N 05/01/34 0 8962527 E22/G02 F 86,400.00 ZZ 360 86,334.26 2 7.3750 596.74 80 7.1250 596.74 NEW ORLEANS LA 70117 1 04/23/04 00 0420679557 05 06/01/04 0.0000 0420679557 N 05/01/34 0 8962633 E22/G02 F 84,000.00 ZZ 360 83,922.20 1 6.3750 524.05 73 6.1250 524.05 GRAND JUNCTIONCO 81503 5 04/19/04 00 0420555088 05 06/01/04 0.0000 0420555088 O 05/01/34 0 8962823 E22/G02 F 82,000.00 ZZ 360 81,916.40 1 5.8750 485.06 71 5.6250 485.06 TULSA OK 74135 2 04/19/04 00 0420456105 05 06/01/04 0.0000 0420456105 O 05/01/34 0 8962967 E22/G02 F 125,000.00 ZZ 360 124,872.56 1 5.8750 739.42 38 5.6250 739.42 HOUSTON TX 77024 5 04/19/04 00 0420375040 03 06/01/04 0.0000 0420375040 O 05/01/34 0 8962975 E22/G02 F 123,280.00 ZZ 360 123,154.31 1 5.8750 729.25 80 5.6250 729.25 OKC OK 73162 1 04/23/04 00 0420383432 05 06/01/04 0.0000 0420383432 O 05/01/34 0 8963175 E22/G02 F 138,800.00 ZZ 360 138,658.49 1 5.8750 821.05 80 5.6250 821.05 LYNDEN WA 98264 1 04/15/04 00 0420255176 05 06/01/04 0.0000 0420255176 O 05/01/34 0 8963307 E22/G02 F 94,747.00 ZZ 360 94,650.41 1 5.8750 560.46 72 5.6250 560.46 FAIRVIEW TX 75069 1 04/23/04 00 0420046351 09 06/01/04 0.0000 0420046351 O 05/01/34 0 8963315 E22/G02 F 66,000.00 ZZ 360 65,932.71 1 5.8750 390.41 38 5.6250 390.41 IMPERIAL MO 63052 1 04/23/04 00 0420071136 05 06/01/04 0.0000 0420071136 O 05/01/34 0 8964629 F34/G02 F 86,000.00 ZZ 360 85,913.41 2 6.1250 522.55 80 5.8750 522.55 CLARKSVILLE TN 37042 1 04/16/04 00 0437796121 05 06/01/04 0.0000 4900401327 N 05/01/34 0 8964663 Y94/G02 F 975,000.00 ZZ 360 973,957.66 1 5.6250 5612.65 58 5.3750 5612.65 ARROYO GRANDE CA 93420 2 04/21/04 00 0437791700 03 06/01/04 0.0000 0000010194 O 05/01/34 0 8965469 E22/G02 F 128,500.00 ZZ 360 128,372.08 1 6.0000 770.42 43 5.7500 770.42 CARTERET BOROUNJ 07008 2 04/21/04 00 0420570939 05 06/01/04 0.0000 0420570939 O 05/01/34 0 8966223 E22/G02 F 86,400.00 TX 360 86,313.99 1 6.0000 518.01 71 5.7500 518.01 HOUSTON TX 77074 5 04/20/04 00 0420314593 03 06/01/04 0.0000 0420314593 O 05/01/34 0 8966247 E22/G02 F 79,650.00 ZZ 360 79,578.00 1 6.5000 503.44 90 6.2500 503.44 FORT WAYNE IN 46804 1 04/26/04 01 0420340119 05 06/01/04 25.0000 0420340119 O 05/01/34 0 8966249 E22/G02 F 425,000.00 ZZ 360 424,566.69 1 5.8750 2514.04 78 5.6250 2514.04 EAST HAMPTON NY 11937 2 04/20/04 00 0420340184 05 06/01/04 0.0000 0420340184 O 05/01/34 0 8966263 E22/G02 F 63,200.00 ZZ 360 63,135.57 1 5.8750 373.85 80 5.6250 373.85 PISGAH AL 35765 1 04/26/04 00 0420349946 05 06/01/04 0.0000 0420349946 O 05/01/34 0 8966289 E22/G02 F 184,000.00 ZZ 360 183,812.40 1 5.8750 1088.43 78 5.6250 1088.43 LINDEN NJ 07036 5 04/20/04 00 0420369910 05 06/01/04 0.0000 0420369910 O 05/01/34 0 8966423 E22/G02 F 125,000.00 ZZ 360 124,878.51 1 6.1250 759.51 45 5.8750 759.51 KELSEYVILLE CA 95451 5 04/16/04 00 0420131633 05 06/01/04 0.0000 0420131633 O 05/01/34 0 8966485 E22/G02 F 118,800.00 ZZ 360 118,678.87 1 5.8750 702.75 77 5.6250 702.75 PLANO TX 75023 2 04/21/04 00 0420256364 05 06/01/04 0.0000 0420256364 O 05/01/34 0 8966521 Y69/G02 F 104,800.00 ZZ 360 104,585.76 1 5.8750 619.94 80 5.6250 619.94 WOODSTOCK GA 30189 1 03/31/04 00 0437788839 05 05/01/04 0.0000 5010004511 O 04/01/34 0 8966619 Y69/G02 F 70,000.00 ZZ 360 69,869.99 1 6.3750 436.71 50 6.1250 436.71 LAS VEGAS NV 89107 5 03/23/04 00 0437788805 05 05/01/04 0.0000 1010003403 N 04/01/34 0 8966623 E22/G02 F 148,000.00 ZZ 360 147,845.48 1 5.7500 863.69 80 5.5000 863.69 DENVER CO 80204 5 04/21/04 00 0420431082 05 06/01/04 0.0000 0420431082 O 05/01/34 0 8966705 E22/G02 F 186,500.00 ZZ 360 186,327.26 1 6.3750 1163.52 76 6.1250 1163.52 BROCKTON MA 02301 2 04/26/04 00 0419965918 05 06/01/04 0.0000 0419965918 N 05/01/34 0 8966879 Y21/G02 F 150,000.00 T 360 149,864.40 1 6.5000 948.10 49 6.2500 948.10 ATHENS NY 12015 5 04/16/04 00 0437793375 03 06/01/04 0.0000 204193974 O 05/01/34 0 8967039 P01/G02 F 115,000.00 ZZ 360 114,888.23 1 6.1250 698.75 77 5.8750 698.75 GERMANTOWN NY 12526 5 04/20/04 00 0437788235 05 06/01/04 0.0000 04001283 O 05/01/34 0 8968091 Y21/G02 F 272,000.00 ZZ 360 271,729.22 1 6.0000 1630.78 79 5.7500 1630.78 ORO VALLEY AZ 85737 5 04/02/04 00 0437796956 03 06/01/04 0.0000 204227186 O 05/01/34 0 8968707 X64/G02 F 69,800.00 ZZ 360 69,736.90 1 6.5000 441.18 58 6.2500 441.18 DEARBORN HEIGHMI 48127 2 04/19/04 00 0437785678 05 06/01/04 0.0000 0000025309 N 05/01/34 0 8969171 E82/G02 F 147,200.00 ZZ 360 147,073.26 4 6.7500 954.74 80 6.5000 954.74 RIVIERA BEACH FL 33404 2 04/23/04 00 0400975751 05 06/01/04 0.0000 0400975751 N 05/01/34 0 8969759 W68/G02 F 60,000.00 TX 360 59,940.27 1 6.0000 359.73 74 5.7500 359.73 DEER PARK TX 77536 5 04/05/04 00 0437888837 05 06/01/04 0.0000 4031224 O 05/01/34 0 8970241 W68/G02 F 120,000.00 TX 360 119,883.37 1 6.1250 729.13 80 5.8750 729.13 SAN ANTONIO TX 78247 5 04/06/04 00 0437775786 05 06/01/04 0.0000 4031942 O 05/01/34 0 8970753 Y21/G02 F 549,500.00 ZZ 360 548,912.54 1 5.6250 3163.24 70 5.3750 3163.24 ESCONDIDO CA 92029 5 04/09/04 00 0437797020 05 06/01/04 0.0000 204210810 O 05/01/34 0 8970759 Y21/G02 F 103,200.00 ZZ 360 103,102.07 1 6.2500 635.43 80 6.0000 635.43 TUCSON AZ 85706 1 04/01/04 00 0437791908 03 06/01/04 0.0000 204088101 O 05/01/34 0 8970767 Y21/G02 F 160,000.00 ZZ 360 159,820.72 1 5.3750 895.95 80 5.1250 895.95 HOUSTON TX 77096 1 04/08/04 00 0437804768 05 06/01/04 0.0000 204231493 O 05/01/34 0 8970773 Y21/G02 F 187,600.00 ZZ 360 187,234.39 1 6.1250 1139.88 80 5.8750 1139.88 NORWALK CT 06851 1 04/02/04 00 0437802572 01 05/01/04 0.0000 204134617 O 04/01/34 0 8970779 Y21/G02 F 176,000.00 ZZ 360 175,833.00 1 6.2500 1083.67 80 6.0000 1083.67 PORTLAND OR 97214 1 03/31/04 00 0437799604 05 06/01/04 0.0000 204194741 O 05/01/34 0 8970785 Y21/G02 F 167,600.00 ZZ 360 167,444.77 1 6.3750 1045.61 80 6.1250 1045.61 HILLSBORO OR 97123 1 04/09/04 00 0437807423 05 06/01/04 0.0000 204198542 O 05/01/34 0 8970789 Y21/G02 F 436,500.00 ZZ 360 435,607.74 1 5.8750 2582.07 80 5.6250 2582.07 PLYMOUTH MN 55446 2 03/31/04 00 0437805054 05 05/01/04 0.0000 204145147 O 04/01/34 0 8970915 Y69/G02 F 50,000.00 ZZ 360 49,903.76 1 6.3750 311.94 72 6.1250 311.94 BROOKS GA 30205 5 03/29/04 00 0437791304 03 05/01/04 0.0000 5010002802 N 04/01/34 0 8970957 Y21/G02 F 119,600.00 ZZ 360 119,486.52 1 6.2500 736.40 80 6.0000 736.40 TUCSON AZ 85745 1 04/02/04 00 0437803984 03 06/01/04 0.0000 204200156 O 05/01/34 0 8970967 Y21/G02 F 84,600.00 ZZ 360 84,534.00 1 7.2500 577.13 80 7.0000 577.13 MURFREESBORO TN 37129 1 04/13/04 00 0437805013 05 06/01/04 0.0000 204262402 O 05/01/34 0 8971001 Y21/G02 F 94,750.00 ZZ 360 94,653.40 1 5.8750 560.48 80 5.6250 560.48 LEAGUE CITY TX 77573 1 04/16/04 00 0437791916 05 06/01/04 0.0000 204227038 O 05/01/34 0 8971019 Y69/G02 F 484,000.00 ZZ 360 483,506.53 1 5.8750 2863.05 80 5.6250 2863.05 CLAYTON CA 94517 2 04/08/04 00 0437795727 05 06/01/04 0.0000 1040004746 O 05/01/34 0 8971039 Y21/G02 F 109,250.00 ZZ 360 108,994.01 1 5.8750 646.26 95 5.6250 646.26 BONITA SPRINGSFL 34135 1 04/02/04 10 0437805575 05 05/01/04 30.0000 204236002 O 04/01/34 0 8971085 Y21/G02 F 515,000.00 ZZ 360 514,462.30 1 5.7500 3005.41 69 5.5000 3005.41 SAN FRANCISCO CA 94116 5 04/06/04 00 0437804115 05 06/01/04 0.0000 204239958 O 05/01/34 0 8971101 Y21/G02 F 172,000.00 ZZ 360 171,824.63 1 5.8750 1017.45 80 5.6250 1017.45 BRIGHTON CO 80603 1 04/05/04 00 0437803232 03 06/01/04 0.0000 204156122 O 05/01/34 0 8971111 Y21/G02 F 180,000.00 ZZ 360 179,807.56 1 5.6250 1036.19 56 5.3750 1036.19 SAINT PETERSBUFL 33701 5 04/05/04 00 0437811078 05 06/01/04 0.0000 204230934 O 05/01/34 0 8971129 Y21/G02 F 435,000.00 ZZ 360 434,512.56 1 5.3750 2435.88 63 5.1250 2435.88 RAMONA CA 92065 2 04/07/04 00 0437794563 05 06/01/04 0.0000 204189454 O 05/01/34 0 8971155 Y21/G02 F 525,000.00 ZZ 360 524,464.73 1 5.8750 3105.58 75 5.6250 3105.58 RIVERSIDE CA 92504 1 04/09/04 00 0437800642 05 06/01/04 0.0000 204244498 O 05/01/34 0 8971163 Y21/G02 F 94,500.00 ZZ 360 94,297.47 1 5.6250 544.00 70 5.3750 544.00 NEW BEDFORD MA 02740 5 03/29/04 00 0437797475 05 05/01/04 0.0000 204184991 O 04/01/34 0 8971179 Y21/G02 F 540,000.00 ZZ 360 539,422.70 1 5.6250 3108.55 66 5.3750 3108.55 HUNTINGTON BEACA 92648 2 04/07/04 00 0437810500 05 06/01/04 0.0000 204164389 O 05/01/34 0 8971343 Y21/G02 F 489,000.00 ZZ 360 488,477.23 1 5.6250 2814.96 60 5.3750 2814.96 BOCA RATON FL 33486 1 04/12/04 00 0437793219 03 06/01/04 0.0000 204207495 O 05/01/34 0 8971381 Y21/G02 F 595,000.00 ZZ 360 594,363.90 1 5.6250 3425.16 70 5.3750 3425.16 RIDGEFIELD CT 06877 5 04/09/04 00 0437807951 05 06/01/04 0.0000 204232252 O 05/01/34 0 8971455 Y21/G02 F 350,000.00 ZZ 360 349,267.39 1 5.7500 2042.51 54 5.5000 2042.51 SAN FRANCISCO CA 94116 5 03/22/04 00 0437791668 05 05/01/04 0.0000 204155304 O 04/01/34 0 8971841 Y21/G02 F 195,000.00 ZZ 360 194,791.53 1 5.6250 1122.53 54 5.3750 1122.53 APPLE VALLEY MN 55124 5 04/01/04 00 0437797822 05 06/01/04 0.0000 204159822 O 05/01/34 0 8971975 Y21/G02 F 210,000.00 ZZ 360 209,775.50 1 5.6250 1208.88 70 5.3750 1208.88 ASHLAND OR 97520 5 04/09/04 00 0437787070 05 06/01/04 0.0000 204278040 O 05/01/34 0 8972041 Y21/G02 F 650,000.00 ZZ 360 649,321.35 1 5.7500 3793.23 70 5.5000 3793.23 ESCONDIDO CA 92026 1 04/01/04 00 0437798754 05 06/01/04 0.0000 204132622 O 05/01/34 0 8972173 Y21/G02 F 132,000.00 ZZ 360 131,730.18 1 5.8750 780.83 80 5.6250 780.83 FORT LUPTON CO 80621 5 03/30/04 00 0437787203 05 05/01/04 0.0000 204093465 O 04/01/34 0 8972185 Y21/G02 F 54,400.00 ZZ 360 54,280.63 1 5.5000 308.88 80 5.2500 308.88 OSAGE BEACH MO 65065 1 04/06/04 00 0437796980 01 05/01/04 0.0000 204213312 O 04/01/34 0 8972193 Y21/G02 F 300,000.00 ZZ 360 299,686.78 1 5.7500 1750.72 80 5.5000 1750.72 CHANDLER AZ 85249 1 04/08/04 00 0437792229 05 06/01/04 0.0000 204183707 O 05/01/34 0 8972213 Y21/G02 F 60,000.00 ZZ 360 59,880.22 1 6.0000 359.74 80 5.7500 359.74 CHARLOTTE NC 28209 1 04/01/04 00 0437790686 01 05/01/04 0.0000 204228191 O 04/01/34 0 8972233 Y21/G02 F 610,000.00 ZZ 360 608,692.68 1 5.6250 3511.51 79 5.3750 3511.51 MANALAPAN NJ 07726 2 03/30/04 00 0437798630 05 05/01/04 0.0000 204189781 O 04/01/34 0 8972253 Y21/G02 F 223,000.00 ZZ 360 222,767.17 1 5.7500 1301.37 77 5.5000 1301.37 WOODLAND CA 95695 2 04/02/04 00 0437788680 05 06/01/04 0.0000 204127602 O 05/01/34 0 8972263 Y21/G02 F 120,500.00 ZZ 360 120,377.14 1 5.8750 712.81 68 5.6250 712.81 MARIETTA GA 30062 5 04/09/04 00 0437808538 05 06/01/04 0.0000 204220599 O 05/01/34 0 8972273 Y21/G02 F 380,500.00 ZZ 360 380,102.73 1 5.7500 2220.50 46 5.5000 2220.50 SAN MATEO CA 94403 2 04/01/04 00 0437789662 05 06/01/04 0.0000 204195365 O 05/01/34 0 8972293 Y21/G02 F 160,000.00 ZZ 360 159,868.84 1 7.0000 1064.49 80 6.7500 1064.49 BALLWIN MO 63021 5 04/07/04 00 0437803422 05 06/01/04 0.0000 204188440 O 05/01/34 0 8972301 Y21/G02 F 395,000.00 ZZ 360 394,577.71 1 5.6250 2273.85 59 5.3750 2273.85 RAMONA CA 92065 2 04/05/04 00 0437789381 05 06/01/04 0.0000 204188938 O 05/01/34 0 8972305 Y21/G02 F 394,000.00 ZZ 360 393,568.74 1 5.5000 2237.09 79 5.2500 2237.09 VALENCIA CA 91355 2 04/01/04 00 0437796899 03 06/01/04 0.0000 204133483 O 05/01/34 0 8972307 Y21/G02 F 128,000.00 ZZ 360 127,866.35 1 5.7500 746.98 80 5.5000 746.98 SCAPPOOSE OR 97056 1 04/09/04 00 0437799836 03 06/01/04 0.0000 204191831 O 05/01/34 0 8972315 Y21/G02 F 333,700.00 ZZ 360 333,343.25 1 5.6250 1920.97 65 5.3750 1920.97 NORWALK CT 06851 2 04/09/04 00 0437808025 05 06/01/04 0.0000 204167833 O 05/01/34 0 8972339 Y21/G02 F 517,600.00 ZZ 360 517,046.65 1 5.6250 2979.60 80 5.3750 2979.60 GUILFORD CT 06437 2 04/08/04 00 0437797129 05 06/01/04 0.0000 204170869 O 05/01/34 0 8972345 Y21/G02 F 296,000.00 ZZ 360 295,676.01 1 5.5000 1680.66 85 5.2500 1680.66 OAK GROVE TOWNMN 55011 2 04/01/04 01 0437804602 05 06/01/04 12.0000 204208432 O 05/01/34 0 8972353 Y21/G02 F 70,000.00 ZZ 360 69,921.56 1 5.3750 391.98 68 5.1250 391.98 KANSAS CITY MO 64127 5 03/31/04 00 0437797608 05 06/01/04 0.0000 204213240 O 05/01/34 0 8972359 Y21/G02 F 650,000.00 ZZ 360 649,321.35 1 5.7500 3793.23 55 5.5000 3793.23 JAMESPORT NY 11970 1 04/12/04 00 0437790272 05 06/01/04 0.0000 204184401 O 05/01/34 0 8972365 Y21/G02 F 236,000.00 ZZ 360 235,517.60 1 5.8750 1396.03 80 5.6250 1396.03 TARPON SPRINGSFL 34688 1 04/02/04 00 0437791882 05 05/01/04 0.0000 204177189 O 04/01/34 0 8972373 Y21/G02 F 132,000.00 ZZ 360 131,862.18 1 5.7500 770.32 80 5.5000 770.32 VANCOUVER WA 98683 2 04/02/04 00 0437791122 03 06/01/04 0.0000 204241430 O 05/01/34 0 8972399 Y21/G02 F 431,550.00 ZZ 360 431,120.38 1 6.0000 2587.37 80 5.7500 2587.37 SOUTH LAKE TAHCA 96150 1 04/01/04 00 0437804834 05 06/01/04 0.0000 204038987 O 05/01/34 0 8972409 Y21/G02 F 336,000.00 ZZ 360 335,703.55 1 6.6250 2151.45 80 6.3750 2151.45 LOMITA CA 90717 1 04/01/04 00 0437798002 05 06/01/04 0.0000 204205492 O 05/01/34 0 8972417 Y21/G02 F 510,000.00 ZZ 360 508,932.49 1 5.7500 2976.23 80 5.5000 2976.23 WEST MILFORD NJ 07480 2 04/01/04 00 0437797004 05 05/01/04 0.0000 204163820 O 04/01/34 0 8972427 Y21/G02 F 248,750.00 ZZ 360 248,216.89 1 5.6250 1431.95 73 5.3750 1431.95 OXNARD CA 93030 2 03/24/04 00 0437796915 05 05/01/04 0.0000 204135214 O 04/01/34 0 8973825 E22/G02 F 342,000.00 ZZ 360 341,712.68 1 6.8750 2246.70 95 6.6250 2246.70 GRAND JUNCTIONCO 81506 1 04/27/04 01 0420686578 03 06/01/04 30.0000 0420686578 O 05/01/34 0 8973881 E22/G02 F 130,400.00 ZZ 360 130,273.26 1 6.1250 792.32 80 5.8750 792.32 PALM SPRINGS FL 33406 1 04/27/04 00 0420601155 05 06/01/04 0.0000 0420601155 O 05/01/34 0 8973917 E22/G02 F 97,742.00 ZZ 360 97,655.77 1 6.6250 625.85 80 6.3750 625.85 GREENSBORO NC 27407 1 04/27/04 00 0420545790 05 06/01/04 0.0000 0420545790 N 05/01/34 0 8973927 E22/G02 F 121,500.00 ZZ 360 121,379.05 1 6.0000 728.45 80 5.7500 728.45 CAPE CORAL FL 33914 5 04/22/04 00 0420560799 05 06/01/04 0.0000 0420560799 O 05/01/34 0 8973985 E22/G02 F 80,000.00 ZZ 360 79,927.68 1 6.5000 505.65 46 6.2500 505.65 ALBERTVILLE AL 35951 5 04/16/04 00 0420515082 05 06/01/04 0.0000 0420515082 O 05/01/34 0 8974321 E22/G02 F 333,700.00 ZZ 360 333,367.80 1 6.0000 2000.70 78 5.7500 2000.70 OAKLAND CA 94601 1 04/21/04 00 0420445991 05 06/01/04 0.0000 0420445991 O 05/01/34 0 8974345 E22/G02 F 72,800.00 ZZ 360 72,741.78 1 7.1250 490.47 80 6.8750 490.47 O'FALLON MO 63366 1 04/27/04 00 0420436578 05 06/01/04 0.0000 0420436578 N 05/01/34 0 8974391 E22/G02 F 186,100.00 ZZ 360 185,905.70 1 5.7500 1086.03 80 5.5000 1086.03 RENO NV 89509 1 04/15/04 00 0420393506 07 06/01/04 0.0000 0420393506 N 05/01/34 0 8974403 E22/G02 F 175,000.00 ZZ 360 174,833.95 1 6.2500 1077.51 85 6.0000 1077.51 OFALLON MO 63366 1 04/27/04 10 0420401770 03 06/01/04 25.0000 0420401770 O 05/01/34 0 8974409 E22/G02 F 69,000.00 ZZ 360 68,931.31 1 6.0000 413.69 83 5.7500 413.69 LOUISVILLE KY 40211 2 04/27/04 10 0420407918 05 06/01/04 20.0000 0420407918 N 05/01/34 0 8974453 E22/G02 F 82,900.00 ZZ 360 82,811.37 1 5.6250 477.22 79 5.3750 477.22 LAWTON OK 73507 2 04/22/04 00 0420341513 05 06/01/04 0.0000 0420341513 O 05/01/34 0 8974459 E22/G02 F 133,000.00 ZZ 360 132,890.98 2 7.0000 884.85 75 6.7500 884.85 NEW ORLEANS LA 70115 2 04/27/04 00 0420348088 05 06/01/04 0.0000 0420348088 N 05/01/34 0 8974461 E22/G02 F 135,200.00 ZZ 360 135,074.78 1 6.3750 843.47 80 6.1250 843.47 MURRAY UT 84121 2 04/22/04 00 0420352411 05 06/01/04 0.0000 0420352411 O 05/01/34 0 8974547 E22/G02 F 72,000.00 ZZ 360 71,933.31 1 6.3750 449.19 89 6.1250 449.19 POPLAR BLUFF MO 63901 2 04/22/04 01 0420123127 05 06/01/04 25.0000 0420123127 O 05/01/34 0 8974591 E22/G02 F 104,000.00 ZZ 360 103,905.98 1 6.5000 657.35 80 6.2500 657.35 TILLAMOOK OR 97141 2 04/22/04 00 0419856109 05 06/01/04 0.0000 0419856109 N 05/01/34 0 8974887 H49/G02 F 62,400.00 ZZ 360 62,347.58 1 6.8750 409.92 80 6.6250 409.92 GREENVILLE SC 29611 2 04/08/04 00 0437845449 05 06/01/04 0.0000 555532 N 05/01/34 0 8976279 E47/G02 F 75,000.00 ZZ 360 74,923.54 1 5.8750 443.65 79 5.6250 443.65 CHARLOTTE NC 28277 1 04/22/04 00 0437918659 01 06/01/04 0.0000 7350511431 O 05/01/34 0 8976403 168/168 F 50,000.00 ZZ 360 49,955.88 1 6.6250 320.16 65 6.3750 320.16 LOCKPORT NY 14094 5 04/08/04 00 0389549606 05 06/01/04 0.0000 0389549606 N 05/01/34 0 8976449 X78/G02 F 238,000.00 ZZ 360 237,784.85 1 6.5000 1504.32 80 6.2500 1504.32 DUNWOODY GA 30338 1 04/27/04 00 0437783657 05 06/01/04 0.0000 0048073 O 05/01/34 0 8977079 Y94/G02 F 440,000.00 ZZ 360 439,561.98 1 6.0000 2638.02 79 5.7500 2638.02 LOS OSOS CA 93402 5 04/22/04 00 0437882566 05 06/01/04 0.0000 0000010766 O 05/01/34 0 8977127 T44/G02 F 75,000.00 ZZ 360 74,927.10 1 6.1250 455.71 72 5.8750 455.71 CALIFORNIA CITCA 93505 5 04/13/04 00 0437832629 05 06/01/04 0.0000 1108644 N 05/01/34 0 8977831 E22/G02 F 132,000.00 ZZ 360 131,871.70 1 6.1250 802.05 80 5.8750 802.05 HOUSTON TX 77043 1 04/28/04 00 0420682320 03 06/01/04 0.0000 0420682320 O 05/01/34 0 8978147 E22/G02 F 109,200.00 ZZ 360 109,095.24 1 6.6250 699.22 80 6.3750 699.22 BOISE ID 83705 1 04/27/04 00 0420532616 05 06/01/04 0.0000 0420532616 O 05/01/34 0 8978161 E22/G02 F 164,000.00 TX 360 163,844.39 1 6.2500 1009.78 80 6.0000 1009.78 COPPELL TX 75019 5 04/23/04 00 0420538688 05 06/01/04 0.0000 0420538688 O 05/01/34 0 8978293 E22/G02 F 103,500.00 ZZ 360 103,410.89 1 6.7500 671.30 90 6.5000 671.30 IRVINGTON AL 36544 2 04/23/04 10 0420494676 05 06/01/04 25.0000 0420494676 O 05/01/34 0 8978439 E22/G02 F 129,000.00 ZZ 360 128,883.38 1 6.5000 815.37 79 6.2500 815.37 INDIAN RIVER MI 49749 2 04/23/04 00 0420468589 05 06/01/04 0.0000 0420468589 O 05/01/34 0 8978541 E22/G02 F 104,800.00 TX 360 104,695.67 1 6.0000 628.33 80 5.7500 628.33 ARLINGTON TX 76016 5 04/23/04 00 0420447310 05 06/01/04 0.0000 0420447310 O 05/01/34 0 8978781 E22/G02 F 26,250.00 ZZ 360 26,229.51 1 7.2500 179.08 75 7.0000 179.08 DETROIT MI 48205 1 04/28/04 00 0420387250 05 06/01/04 0.0000 0420387250 N 05/01/34 0 8979093 E22/G02 F 135,000.00 ZZ 360 134,868.79 1 6.1250 820.27 57 5.8750 820.27 AUBURN CA 95603 5 04/21/04 00 0420258675 05 06/01/04 0.0000 0420258675 O 05/01/34 0 8979199 E22/G02 F 170,000.00 ZZ 360 169,830.76 1 6.0000 1019.24 56 5.7500 1019.24 SUN VALLEY CA 91352 5 04/05/04 00 0420163537 05 06/01/04 0.0000 0420163537 O 05/01/34 0 8979245 E22/G02 F 229,500.00 ZZ 360 229,307.19 1 6.8750 1507.65 90 6.6250 1507.65 CLIFTON NJ 07013 1 04/16/04 04 0419557814 05 06/01/04 30.0000 0419557814 O 05/01/34 0 8979253 E22/G02 F 386,690.00 ZZ 360 386,295.75 1 5.8750 2287.42 80 5.6250 2287.42 CORONA CA 92880 1 04/26/04 00 0419754130 05 06/01/04 0.0000 0419754130 O 05/01/34 0 8981525 E82/G02 F 102,300.00 ZZ 360 102,300.00 1 5.8750 605.14 80 5.6250 605.14 WETUMPKA AL 36093 2 04/27/04 00 0400971255 05 07/01/04 0.0000 0400971255 O 06/01/34 0 8981585 E22/G02 F 143,000.00 ZZ 360 142,854.20 1 5.8750 845.90 75 5.6250 845.90 AZTEC NM 87410 5 04/23/04 00 0420367344 05 06/01/04 0.0000 0420367344 O 05/01/34 0 8981613 144/144 F 380,000.00 ZZ 360 379,612.58 1 5.8750 2247.84 41 5.6250 2247.84 COLD SPRING NY 10516 5 04/21/04 00 04COOPERJ 05 06/01/04 0.0000 04COOPERJ O 05/01/34 0 8981663 E22/G02 F 434,000.00 ZZ 360 433,346.87 1 5.7500 2532.71 79 5.5000 2532.71 LOS ANGELES CA 90041 5 04/16/04 00 0420237083 05 06/01/04 0.0000 0420237083 O 05/01/34 0 8981683 E22/G02 F 94,400.00 ZZ 360 94,316.72 1 6.6250 604.45 80 6.3750 604.45 ATLANTA GA 30331 5 04/29/04 00 0420265886 05 06/01/04 0.0000 0420265886 N 05/01/34 0 8981779 E22/G02 F 172,950.00 ZZ 360 172,789.82 1 6.3750 1078.98 85 6.1250 1078.98 SUTTONS BAY MI 49682 1 04/29/04 10 0420698474 05 06/01/04 12.0000 0420698474 O 05/01/34 0 8981801 X84/G02 F 97,000.00 ZZ 360 96,903.44 1 6.0000 581.56 62 5.7500 581.56 BALTIMORE MD 21208 5 04/26/04 00 0437814247 05 06/01/04 0.0000 1903018 N 05/01/34 0 8981913 E22/G02 F 104,000.00 ZZ 360 103,903.68 1 6.3750 648.82 80 6.1250 648.82 VIRGINIA BEACHVA 23464 1 04/29/04 00 0420691479 05 06/01/04 0.0000 0420691479 N 05/01/34 0 8981957 E22/G02 F 238,500.00 ZZ 360 238,323.00 1 7.5000 1667.63 90 7.2500 1667.63 NORTH LAS VEGANV 89031 1 04/23/04 01 0420661597 03 06/01/04 25.0000 0420661597 N 05/01/34 0 8982021 E22/G02 F 175,200.00 ZZ 360 175,041.62 1 6.5000 1107.38 80 6.2500 1107.38 CALDWELL NJ 07006 1 04/29/04 00 0420603037 05 06/01/04 0.0000 0420603037 O 05/01/34 0 8982051 E22/G02 F 30,542.00 ZZ 360 30,517.57 1 7.1250 205.77 44 6.8750 205.77 TUSCALOOSA AL 35401 2 04/29/04 00 0420583205 05 06/01/04 0.0000 0420583205 N 05/01/34 0 8982087 E82/G02 F 140,700.00 ZZ 360 140,578.86 3 6.7500 912.58 69 6.5000 912.58 BRISTOL CT 06010 2 04/26/04 00 0400975413 05 06/01/04 0.0000 0400975413 N 05/01/34 0 8982245 E22/G02 F 166,400.00 ZZ 360 166,253.19 2 6.6250 1065.48 80 6.3750 1065.48 DEXTER MI 48130 1 04/29/04 00 0420482358 05 06/01/04 0.0000 0420482358 O 05/01/34 0 8982259 E22/G02 F 136,000.00 ZZ 360 135,864.61 1 6.0000 815.39 79 5.7500 815.39 MANALAPAN NJ 07726 5 04/23/04 00 0420498305 05 06/01/04 0.0000 0420498305 O 05/01/34 0 8982353 E22/G02 F 65,250.00 ZZ 360 65,200.35 1 7.3750 450.67 90 7.1250 450.67 PORTAGE MI 49002 1 04/29/04 10 0420459083 05 06/01/04 25.0000 0420459083 N 05/01/34 0 8982369 E22/G02 F 119,700.00 ZZ 360 119,599.44 1 6.8750 786.34 90 6.6250 786.34 WINGDALE NY 12564 1 04/29/04 04 0420382442 05 06/01/04 30.0000 0420382442 O 05/01/34 0 8982643 Y14/G02 F 162,000.00 ZZ 360 161,853.55 1 6.5000 1023.95 90 6.2500 1023.95 SAN BERNARDINOCA 92405 1 04/22/04 01 0437871569 05 06/01/04 25.0000 022105781 N 05/01/34 0 8982691 H58/G02 F 400,000.00 ZZ 360 399,592.18 1 5.8750 2366.15 34 5.6250 2366.15 CAMARILLO CA 93012 1 04/16/04 00 0437833718 03 06/01/04 0.0000 0000224625 O 05/01/34 0 8983087 E86/G02 F 177,600.00 ZZ 360 177,228.27 1 5.7500 1036.42 80 5.5000 1036.42 CHARLOTTESVILLVA 22911 1 03/23/04 00 0437873433 03 05/01/04 0.0000 0000530437 O 04/01/34 0 8983095 M27/G02 F 94,000.00 ZZ 360 93,908.64 1 6.1250 571.15 43 5.8750 571.15 BLACK MOUNTAINNC 28711 5 04/22/04 00 0437851025 05 06/01/04 0.0000 0100147652 O 05/01/34 0 8983131 P59/G02 F 205,000.00 ZZ 360 204,795.92 1 6.0000 1229.08 71 5.7500 1229.08 SANTA MARIA CA 93458 5 04/21/04 00 0437809205 05 06/01/04 0.0000 AT008600 O 05/01/34 0 8983199 313/G02 F 113,636.00 T 360 113,522.87 1 6.0000 681.31 80 5.7500 681.31 PORT SAINT LUCFL 34953 1 04/23/04 00 0437789738 05 06/01/04 0.0000 9957374 O 05/01/34 0 8983201 313/G02 F 112,063.00 ZZ 360 111,961.69 1 6.5000 708.32 80 6.2500 708.32 TITUSVILLE FL 32796 1 04/02/04 00 0437789654 03 06/01/04 0.0000 9879925 O 05/01/34 0 8983203 313/G02 F 95,984.00 ZZ 360 95,892.93 1 6.2500 590.99 80 6.0000 590.99 TITUSVILLE FL 32796 1 04/05/04 00 0437789639 05 06/01/04 0.0000 9996612 O 05/01/34 0 8983205 313/G02 F 117,000.00 ZZ 360 116,787.89 1 6.5000 739.52 90 6.2500 739.52 LOGANVILLE GA 30052 1 03/30/04 11 0437790330 05 05/01/04 25.0000 10118743 N 04/01/34 0 8983209 313/G02 F 50,000.00 ZZ 360 49,950.22 1 6.0000 299.78 41 5.7500 299.78 SORRENTO FL 32776 1 04/16/04 00 0437789670 03 06/01/04 0.0000 9894965 O 05/01/34 0 8983211 313/G02 F 504,000.00 ZZ 360 503,041.07 1 6.2500 3103.22 70 6.0000 3103.22 NOKESVILLE VA 20181 5 03/18/04 00 0437790538 05 05/01/04 0.0000 10138220 O 04/01/34 0 8983215 313/G02 F 169,800.00 ZZ 360 169,634.96 1 6.1250 1031.73 64 5.8750 1031.73 ELK GROVE VILLIL 60007 2 03/05/04 00 0437790223 05 06/01/04 0.0000 10123305 O 05/01/34 0 8983217 313/G02 F 170,910.00 ZZ 360 170,762.85 1 6.7500 1108.52 90 6.5000 1108.52 SPRING TX 77388 1 04/08/04 01 0437790603 03 06/01/04 25.0000 10128981 O 05/01/34 0 8983521 W93/G02 F 102,500.00 ZZ 360 102,400.37 1 6.1250 622.81 70 5.8750 622.81 MEDFORD OR 97501 1 04/08/04 00 0437831191 05 06/01/04 0.0000 42523921 O 05/01/34 0 8983527 W93/G02 F 116,000.00 ZZ 360 115,878.88 1 5.7500 676.95 67 5.5000 676.95 MERCED CA 95340 5 04/09/04 00 0437834112 05 06/01/04 0.0000 47518254 O 05/01/34 0 8983529 W93/G02 F 740,000.00 ZZ 360 739,208.89 1 5.6250 4259.86 57 5.3750 4259.86 SAN LUIS OBISPCA 93405 2 04/02/04 00 0437795222 05 06/01/04 0.0000 48398385 O 05/01/34 0 8983541 W93/G02 F 835,000.00 ZZ 360 834,107.33 1 5.6250 4806.73 46 5.3750 4806.73 SAN FRANCISCO CA 94108 2 04/05/04 00 0437794944 01 06/01/04 0.0000 67521578 O 05/01/34 0 8983543 W93/G02 F 386,000.00 ZZ 360 385,596.99 1 5.7500 2252.59 52 5.5000 2252.59 BERKELEY CA 94707 2 04/06/04 00 0437829435 05 06/01/04 0.0000 67521655 O 05/01/34 0 8983547 W93/G02 F 551,200.00 ZZ 360 550,624.52 1 5.7500 3216.65 80 5.5000 3216.65 CORONA CA 92881 5 04/14/04 00 0437831118 03 06/01/04 0.0000 67521765 O 05/01/34 0 8983553 W93/G02 F 650,000.00 ZZ 360 649,305.11 1 5.6250 3741.77 77 5.3750 3741.77 SAN JOSE CA 95121 2 04/12/04 00 0437831233 03 06/01/04 0.0000 67530167 O 05/01/34 0 8983569 W93/G02 F 475,000.00 ZZ 360 474,560.06 1 6.3750 2963.38 64 6.1250 2963.38 ENCINITAS CA 92007 5 04/15/04 00 0437793342 05 06/01/04 0.0000 28526117 O 05/01/34 0 8983571 W93/G02 F 375,650.00 ZZ 360 375,229.07 1 5.3750 2103.53 90 5.1250 2103.53 CHULA VISTA CA 91915 1 04/16/04 04 0437793326 03 06/01/04 25.0000 28526177 O 05/01/34 0 8983577 W93/G02 F 367,000.00 ZZ 360 366,607.65 1 5.6250 2112.66 69 5.3750 2112.66 ESCONDIDO CA 92026 2 04/14/04 00 0437792542 03 06/01/04 0.0000 28526433 O 05/01/34 0 8983581 W93/G02 F 362,000.00 ZZ 360 361,630.92 1 5.8750 2141.37 63 5.6250 2141.37 SAN JOSE CA 95117 2 04/08/04 00 0437793268 05 06/01/04 0.0000 20517773 O 05/01/34 0 8983585 W93/G02 F 120,000.00 ZZ 360 119,877.65 1 5.8750 709.85 59 5.6250 709.85 LYNDEN WA 98264 5 04/06/04 00 0437833916 05 06/01/04 0.0000 05504210 O 05/01/34 0 8983587 W93/G02 F 361,000.00 ZZ 360 360,631.95 1 5.8750 2135.45 55 5.6250 2135.45 SANTA ROSA CA 95404 5 04/02/04 00 0437790850 05 06/01/04 0.0000 18452103 O 05/01/34 0 8983591 W93/G02 F 470,000.00 ZZ 360 469,520.81 1 5.8750 2780.23 64 5.6250 2780.23 SAN JOSE CA 95125 2 04/05/04 00 0437791239 05 06/01/04 0.0000 20511561 O 05/01/34 0 8983689 E22/G02 F 180,700.00 ZZ 360 180,536.64 2 6.5000 1142.15 80 6.2500 1142.15 CONCORD NH 03301 1 04/30/04 00 0420743973 05 06/01/04 0.0000 0420743973 O 05/01/34 0 8983715 E22/G02 F 94,500.00 ZZ 360 94,422.54 1 7.0000 628.71 90 6.7500 628.71 WEST PALM BEACFL 33405 1 04/30/04 10 0420701690 05 06/01/04 25.0000 0420701690 N 05/01/34 0 8983779 E22/G02 F 159,600.00 ZZ 360 159,459.19 1 6.6250 1021.94 80 6.3750 1021.94 FORT WALTON BEFL 32547 1 04/30/04 00 0420716813 05 06/01/04 0.0000 0420716813 N 05/01/34 0 8983817 E82/G02 F 130,050.00 ZZ 360 130,050.00 1 6.3750 811.34 85 6.1250 811.34 AURORA CO 80014 2 04/29/04 04 0400968392 01 07/01/04 12.0000 0400968392 O 06/01/34 0 8983827 E22/G02 F 77,600.00 ZZ 360 77,536.40 1 7.0000 516.27 80 6.7500 516.27 INDEPENDENCE MO 64052 5 04/30/04 00 0420671687 05 06/01/04 0.0000 0420671687 N 05/01/34 0 8983837 E22/G02 F 135,500.00 ZZ 360 135,361.86 1 5.8750 801.53 50 5.6250 801.53 LOXAHATCHEE FL 33470 5 04/26/04 00 0420651705 05 06/01/04 0.0000 0420651705 O 05/01/34 0 8983839 E82/G02 F 197,000.00 ZZ 360 197,000.00 1 5.8750 1165.33 78 5.6250 1165.33 MODESTO CA 95355 2 04/26/04 00 0400976809 05 07/01/04 0.0000 0400976809 O 06/01/34 0 8983861 E22/G02 F 81,200.00 ZZ 360 81,130.09 1 6.7500 526.66 80 6.5000 526.66 LAKE WORTH FL 33460 1 04/30/04 00 0420655573 01 06/01/04 0.0000 0420655573 N 05/01/34 0 8983913 E22/G02 F 168,000.00 ZZ 360 167,836.71 1 6.1250 1020.79 80 5.8750 1020.79 PALMDALE CA 93552 5 04/24/04 00 0420643447 05 06/01/04 0.0000 0420643447 O 05/01/34 0 8983921 E22/G02 F 96,000.00 ZZ 360 95,913.21 3 6.5000 606.79 80 6.2500 606.79 BATON ROUGE LA 70806 1 04/30/04 00 0420649816 05 06/01/04 0.0000 0420649816 N 05/01/34 0 8983995 E22/G02 F 93,000.00 ZZ 360 92,919.93 1 6.7500 603.20 100 6.5000 603.20 BATON ROUGE LA 70816 2 04/26/04 01 0420595704 07 06/01/04 35.0000 0420595704 O 05/01/34 0 8984017 E22/G02 F 48,000.00 ZZ 360 47,960.65 1 7.0000 319.35 74 6.7500 319.35 VICKSBURG MS 39180 1 04/30/04 00 0420602468 05 06/01/04 0.0000 0420602468 O 05/01/34 0 8984269 E22/G02 F 196,000.00 ZZ 360 195,800.17 1 5.8750 1159.41 80 5.6250 1159.41 GUSTINE CA 95322 5 04/20/04 00 0420568446 05 06/01/04 0.0000 0420568446 O 05/01/34 0 8984357 E22/G02 F 201,000.00 ZZ 360 200,809.28 1 6.2500 1237.59 75 6.0000 1237.59 SACRAMENTO CA 95831 1 04/26/04 00 0420540130 03 06/01/04 0.0000 0420540130 N 05/01/34 0 8984445 E22/G02 F 108,562.00 ZZ 360 108,451.31 1 5.8750 642.19 90 5.6250 642.19 CLIFTON CO 81520 1 04/30/04 01 0420524910 05 06/01/04 30.0000 0420524910 O 05/01/34 0 8984453 E22/G02 F 100,700.00 ZZ 360 100,597.33 1 5.8750 595.68 80 5.6250 595.68 SPOKANE WA 99208 2 04/27/04 00 0420527764 05 06/01/04 0.0000 0420527764 O 05/01/34 0 8984489 E22/G02 F 111,500.00 ZZ 360 111,386.33 1 5.8750 659.56 50 5.6250 659.56 SAGLE ID 83860 5 04/26/04 00 0420511677 05 06/01/04 0.0000 0420511677 O 05/01/34 0 8984497 E22/G02 F 100,000.00 ZZ 360 99,900.45 1 6.0000 599.55 77 5.7500 599.55 GARLAND TX 75040 5 04/26/04 00 0420515603 05 06/01/04 0.0000 0420515603 O 05/01/34 0 8984543 E22/G02 F 122,800.00 ZZ 360 122,677.75 1 6.0000 736.25 80 5.7500 736.25 HOUSTON TX 77095 1 04/30/04 00 0420502700 03 06/01/04 0.0000 0420502700 O 05/01/34 0 8984557 E22/G02 F 292,000.00 ZZ 360 291,702.29 1 5.8750 1727.29 80 5.6250 1727.29 VISTA CA 92083 5 04/23/04 00 0420505430 05 06/01/04 0.0000 0420505430 O 05/01/34 0 8984601 E22/G02 F 50,400.00 ZZ 360 50,357.66 1 6.8750 331.09 90 6.6250 331.09 BIRMINGHAM AL 35208 1 04/30/04 10 0420483703 05 06/01/04 25.0000 0420483703 N 05/01/34 0 8984649 E22/G02 F 193,000.00 ZZ 360 192,803.23 1 5.8750 1141.67 70 5.6250 1141.67 DENVER CO 80211 5 04/26/04 00 0420480931 05 06/01/04 0.0000 0420480931 O 05/01/34 0 8984697 E22/G02 F 72,000.00 ZZ 360 71,931.68 1 6.2500 443.32 90 6.0000 443.32 SANDPOINT ID 83864 1 04/13/04 10 0420456824 05 06/01/04 30.0000 0420456824 O 05/01/34 0 8984759 E22/G02 F 96,000.00 ZZ 360 95,906.69 1 6.1250 583.31 80 5.8750 583.31 HOUSTON TX 77083 5 04/26/04 00 0420435893 03 06/01/04 0.0000 0420435893 O 05/01/34 0 8984761 E22/G02 F 90,725.00 ZZ 360 90,632.50 1 5.8750 536.67 95 5.6250 536.67 YUKON OK 73099 5 04/26/04 01 0420437238 05 06/01/04 30.0000 0420437238 O 05/01/34 0 8984805 E22/G02 F 92,800.00 ZZ 360 92,711.94 1 6.2500 571.39 80 6.0000 571.39 FLINT MI 48503 1 04/30/04 00 0420382525 05 06/01/04 0.0000 0420382525 O 05/01/34 0 8984809 E22/G02 F 117,600.00 ZZ 360 117,491.08 2 6.3750 733.67 80 6.1250 733.67 MIAMI FL 33161 1 04/30/04 00 0420388753 05 06/01/04 0.0000 0420388753 N 05/01/34 0 8984959 E22/G02 F 93,000.00 ZZ 360 92,902.91 1 5.7500 542.72 93 5.5000 542.72 MISSOURI CITY TX 77459 2 04/26/04 01 0420379661 03 06/01/04 30.0000 0420379661 O 05/01/34 0 8985445 K15/G02 F 87,000.00 TX 360 86,909.17 1 5.7500 507.71 76 5.5000 507.71 MIDLOTHIAN TX 76065 2 04/22/04 00 0437840366 05 06/01/04 0.0000 014005521540 O 05/01/34 0 8985873 P27/G02 F 188,800.00 ZZ 360 188,607.51 1 5.8750 1116.82 80 5.6250 1116.82 JACKSONVILLE FL 32225 5 04/16/04 00 0437796428 05 06/01/04 0.0000 DR3100758584 O 05/01/34 0 8985907 E22/G02 F 457,600.00 ZZ 360 457,165.81 1 6.2500 2817.52 80 6.0000 2817.52 FORT MYERS FL 33905 5 04/26/04 00 0420279259 05 06/01/04 0.0000 0420279259 O 05/01/34 0 8985909 E22/G02 F 121,600.00 ZZ 360 121,414.32 1 6.5000 768.59 80 6.2500 768.59 PIEDMONT OK 73078 1 04/30/04 00 0420279523 05 06/01/04 0.0000 0420279523 O 05/01/34 0 8985987 E22/G02 F 128,000.00 ZZ 360 127,875.59 1 6.1250 777.74 68 5.8750 777.74 SUN CITY CA 92586 5 04/23/04 00 0420273807 05 06/01/04 0.0000 0420273807 O 05/01/34 0 8986029 E22/G02 F 184,000.00 ZZ 360 183,816.83 1 6.0000 1103.17 80 5.7500 1103.17 BAKERSFIELD CA 93314 1 04/15/04 00 0420194532 05 06/01/04 0.0000 0420194532 O 05/01/34 0 8986099 E22/G02 F 133,000.00 ZZ 360 132,873.81 1 6.2500 818.90 94 6.0000 818.90 SOUTH PITTSBURTN 37380 2 04/30/04 01 0419777339 05 06/01/04 30.0000 0419777339 O 05/01/34 0 8986583 N74/G02 F 69,900.00 ZZ 360 69,779.30 1 6.7500 453.37 100 6.5000 453.37 NORTH WILKESBONC 28659 1 04/29/04 10 0437832645 05 05/29/04 35.0000 0034571010 O 04/29/34 0 8986677 P34/G02 F 125,000.00 ZZ 360 124,872.55 1 5.8750 739.43 49 5.6250 739.43 DORCHESTER MA 02125 5 04/15/04 00 0437795537 01 06/01/04 0.0000 62755 O 05/01/34 0 8986821 P34/G02 F 100,000.00 ZZ 360 99,909.60 1 6.5000 632.07 56 6.2500 632.07 WEST WARWICK RI 02893 5 04/23/04 00 0437810336 05 06/01/04 0.0000 62772 N 05/01/34 0 8986933 P34/G02 F 163,200.00 ZZ 360 163,052.46 1 6.5000 1031.54 80 6.2500 1031.54 PORTSMOUTH RI 02871 1 04/22/04 00 0437795503 05 06/01/04 0.0000 62770 N 05/01/34 0 8988081 E22/G02 F 84,000.00 TX 360 84,000.00 1 7.3750 580.17 68 7.1250 580.17 EULESS TX 76039 5 05/03/04 00 0420521858 05 07/01/04 0.0000 0420521858 N 06/01/34 0 8988163 E22/G02 F 153,000.00 ZZ 360 153,000.00 1 6.8750 1005.10 90 6.6250 1005.10 COALDALE CO 81222 1 05/03/04 01 0420542813 05 07/01/04 25.0000 0420542813 O 06/01/34 0 8988197 E22/G02 F 272,000.00 ZZ 360 271,771.48 1 6.8750 1786.85 75 6.6250 1786.85 ELK GROVE CA 95758 1 04/28/04 00 0420705733 05 06/01/04 0.0000 0420705733 N 05/01/34 0 8988209 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.7500 1050.73 56 6.5000 1050.73 JACKSON TOWNSHNJ 08527 2 05/03/04 00 0420732398 05 07/01/04 0.0000 0420732398 N 06/01/34 0 8988231 E22/G02 F 128,000.00 ZZ 360 127,878.55 1 6.2500 788.12 80 6.0000 788.12 CHEYENNE WY 82007 2 05/03/04 00 0420203556 05 06/01/04 0.0000 0420203556 N 05/01/34 0 8988245 E22/G02 F 72,000.00 TX 360 71,930.02 1 6.1250 437.48 76 5.8750 437.48 FORT WORTH TX 76116 5 04/28/04 00 0420255358 05 06/01/04 0.0000 0420255358 O 05/01/34 0 8988263 E22/G02 F 253,600.00 ZZ 360 253,365.12 1 6.3750 1582.13 80 6.1250 1582.13 TAVERNIER FL 33070 2 04/27/04 00 0420274524 05 06/01/04 0.0000 0420274524 O 05/01/34 0 8988377 E22/G02 F 57,950.00 ZZ 360 57,897.62 1 6.5000 366.28 95 6.2500 366.28 LOS LUNAS NM 87031 1 04/30/04 01 0420295271 05 06/01/04 30.0000 0420295271 O 05/01/34 0 8988405 E82/G02 F 111,900.00 ZZ 360 111,900.00 1 5.8750 661.93 80 5.6250 661.93 RIO RANCHO NM 87144 2 04/30/04 00 0400976338 05 07/01/04 0.0000 0400976338 O 06/01/34 0 8988447 E82/G02 F 77,200.00 ZZ 360 77,200.00 1 6.5000 487.96 37 6.2500 487.96 UNIONVILLE IN 47468 2 04/30/04 00 0400968608 05 07/01/04 0.0000 0400968608 N 06/01/34 0 8988471 E82/G02 F 279,800.00 ZZ 360 279,800.00 1 6.1250 1700.09 79 5.8750 1700.09 MIAMI FL 33165 2 04/30/04 00 0400968327 05 07/01/04 0.0000 0400968327 O 06/01/34 0 8988489 E82/G02 F 111,000.00 ZZ 360 111,000.00 1 6.0000 665.50 74 5.7500 665.50 PORT CHARLOTTEFL 33952 5 04/28/04 00 0400963914 05 07/01/04 0.0000 0400963914 O 06/01/34 0 8988501 E82/G02 F 135,000.00 ZZ 360 135,000.00 1 6.6250 864.42 79 6.3750 864.42 BELLINGHAM WA 98229 5 04/30/04 00 0400970075 05 07/01/04 0.0000 0400970075 O 06/01/34 0 8988537 E22/G02 F 250,000.00 ZZ 360 249,762.79 1 6.2500 1539.29 70 6.0000 1539.29 KIRKLAND WA 98033 5 04/23/04 00 0420587438 05 06/01/04 0.0000 0420587438 O 05/01/34 0 8988541 E22/G02 F 268,000.00 ZZ 360 267,780.32 1 7.0000 1783.01 75 6.7500 1783.01 ELK GROVE CA 95758 1 04/26/04 00 0420590341 05 06/01/04 0.0000 0420590341 N 05/01/34 0 8988563 E22/G02 F 144,000.00 ZZ 360 143,866.63 2 6.3750 898.37 90 6.1250 898.37 ORANGE NJ 07050 1 05/03/04 04 0420611824 05 06/01/04 25.0000 0420611824 N 05/01/34 0 8988631 E22/G02 F 308,000.00 ZZ 360 307,700.64 1 6.1250 1871.44 80 5.8750 1871.44 GREENSBORO GA 30642 2 05/03/04 00 0420113359 05 06/01/04 0.0000 0420113359 O 05/01/34 0 8988633 E22/G02 F 33,500.00 ZZ 360 33,500.00 1 7.2500 228.53 56 7.0000 228.53 CHARLOTTE NC 28214 5 05/03/04 00 0420113383 05 07/01/04 0.0000 0420113383 N 06/01/34 0 8988673 E22/G02 F 365,000.00 ZZ 360 364,618.92 1 5.7500 2130.04 80 5.5000 2130.04 OXNARD CA 93035 2 04/27/04 00 0420462384 05 06/01/04 0.0000 0420462384 O 05/01/34 0 8988685 E22/G02 F 127,200.00 ZZ 360 127,070.31 1 5.8750 752.44 80 5.6250 752.44 EAST WENATCHEEWA 98802 1 04/28/04 00 0420476608 05 06/01/04 0.0000 0420476608 O 05/01/34 0 8988687 E22/G02 F 232,000.00 ZZ 360 231,790.27 1 6.5000 1466.40 80 6.2500 1466.40 FORDS NJ 08863 5 04/08/04 00 0420476681 05 06/01/04 0.0000 0420476681 O 05/01/34 0 8988703 E22/G02 F 563,000.00 ZZ 360 562,397.71 1 5.7500 3285.52 76 5.5000 3285.52 EL CERRITO CA 94530 2 04/27/04 00 0420389652 05 06/01/04 0.0000 0420389652 O 05/01/34 0 8988717 E22/G02 F 230,000.00 ZZ 360 229,771.03 1 5.8750 1360.54 79 5.6250 1360.54 SHELTON CT 06484 5 04/28/04 00 0420409153 01 06/01/04 0.0000 0420409153 O 05/01/34 0 8988797 E22/G02 F 263,000.00 ZZ 360 263,000.00 2 5.8750 1555.74 80 5.6250 1555.74 WEST ORANGE NJ 07052 5 04/27/04 00 0420563025 05 07/01/04 0.0000 0420563025 O 06/01/34 0 8988837 E22/G02 F 146,900.00 ZZ 360 146,900.00 1 6.5000 928.51 100 6.2500 928.51 PEARLAND TX 77584 1 05/03/04 01 0420628331 03 07/01/04 35.0000 0420628331 O 06/01/34 0 8988881 E22/G02 F 103,500.00 ZZ 360 103,401.79 1 6.2500 637.27 90 6.0000 637.27 WAVELAND MS 39576 5 04/28/04 01 0420640112 05 06/01/04 25.0000 0420640112 O 05/01/34 0 8988893 E22/G02 F 52,000.00 ZZ 360 52,000.00 1 6.5000 328.68 69 6.2500 328.68 HOPKINS MN 55343 2 05/03/04 00 0420655433 01 07/01/04 0.0000 0420655433 N 06/01/34 0 8988897 E22/G02 F 55,600.00 ZZ 360 55,544.65 1 6.0000 333.35 80 5.7500 333.35 SALT LAKE CITYUT 84115 1 04/29/04 00 0420658064 05 06/01/04 0.0000 0420658064 N 05/01/34 0 8989283 E82/G02 F 119,300.00 ZZ 360 119,184.05 1 6.1250 724.88 37 5.8750 724.88 VALLEY STREAM NY 11581 2 04/23/04 00 0400974713 05 06/01/04 0.0000 0400974713 O 05/01/34 0 8989735 U05/G02 F 110,000.00 ZZ 360 109,890.49 1 6.0000 659.51 50 5.7500 659.51 PROCTOR MT 59929 1 04/14/04 00 0437879851 05 06/01/04 0.0000 3475493 O 05/01/34 0 8989883 U19/G02 F 80,000.00 ZZ 360 79,925.90 1 6.3750 499.10 41 6.1250 499.10 DENVER CO 80220 1 04/30/04 00 0437803281 05 06/01/04 0.0000 0404220007 O 05/01/34 0 8991161 N47/G02 F 505,000.00 ZZ 360 504,472.75 1 5.7500 2947.04 55 5.5000 2947.04 ROLLING HILLS CA 90274 5 04/16/04 00 0437901879 05 06/01/04 0.0000 30515083 O 05/01/34 0 8991247 H93/G02 F 64,800.00 ZZ 240 64,677.48 3 7.1250 507.27 90 6.8750 507.27 SAINT JOSEPH MO 64501 1 04/29/04 04 0437800626 05 06/01/04 25.0000 2004000274 N 05/01/24 0 8991287 A68/G02 F 376,000.00 TX 360 375,616.65 1 5.8750 2224.18 75 5.6250 2224.18 AUSTIN TX 78731 5 04/30/04 00 0437838451 05 06/01/04 0.0000 8990242 O 05/01/34 0 8992855 E82/G02 F 140,100.00 ZZ 360 140,100.00 1 6.1250 851.26 90 5.8750 851.26 PHILIDELPHIA PA 19152 2 04/29/04 10 0400961579 05 07/01/04 25.0000 0400961579 O 06/01/34 0 8992887 E82/G02 F 318,500.00 ZZ 360 318,500.00 1 6.1250 1935.24 73 5.8750 1935.24 FARMINGDALE NJ 07727 2 04/29/04 00 0400970091 05 07/01/04 0.0000 0400970091 O 06/01/34 0 8992895 E82/G02 F 247,700.00 ZZ 360 247,700.00 1 5.8750 1465.24 70 5.6250 1465.24 FONTANA CA 92336 2 04/29/04 00 0400974911 05 07/01/04 0.0000 0400974911 O 06/01/34 0 8992957 E22/G02 F 74,800.00 ZZ 360 74,737.16 1 6.8750 491.38 80 6.6250 491.38 FLORENCE SC 29505 2 05/04/04 00 0420716367 07 06/01/04 0.0000 0420716367 N 05/01/34 0 8992961 E22/G02 F 74,800.00 ZZ 360 74,737.16 1 6.8750 491.38 80 6.6250 491.38 FLORENCE SC 29505 2 05/04/04 00 0420716441 07 06/01/04 0.0000 0420716441 N 05/01/34 0 8992985 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 6.3750 1060.58 40 6.1250 1060.58 ANAHEIM CA 92804 5 04/27/04 00 0420610891 05 07/01/04 0.0000 0420610891 O 06/01/34 0 8993129 E22/G02 F 248,000.00 ZZ 360 248,000.00 1 6.2500 1526.98 80 6.0000 1526.98 GASTON SC 29053 5 04/29/04 00 0420553505 05 07/01/04 0.0000 0420553505 O 06/01/34 0 8993197 E22/G02 F 96,000.00 ZZ 360 95,921.31 1 7.0000 638.69 80 6.7500 638.69 WILMINGTON NC 28412 1 05/05/04 00 0420532160 03 06/01/04 0.0000 0420532160 O 05/01/34 0 8993225 E22/G02 F 150,000.00 ZZ 360 149,818.75 1 5.7500 875.36 79 5.5000 875.36 SAND COULEE MT 59472 5 04/29/04 00 0420511255 05 06/01/04 0.0000 0420511255 O 05/01/34 0 8993227 E22/G02 F 320,000.00 ZZ 360 319,688.98 1 6.1250 1944.35 80 5.8750 1944.35 GLENDORA CA 91740 5 04/28/04 00 0420512469 05 06/01/04 0.0000 0420512469 O 05/01/34 0 8993231 E22/G02 F 173,700.00 ZZ 360 173,535.19 4 6.2500 1069.50 90 6.0000 1069.50 ALBUQUERQUE NM 87111 1 05/04/04 01 0420487142 05 06/01/04 25.0000 0420487142 N 05/01/34 0 8993281 E22/G02 F 56,700.00 ZZ 360 56,700.00 1 6.8750 372.48 90 6.6250 372.48 CINCINNATI OH 45205 1 05/04/04 04 0420454746 05 07/01/04 25.0000 0420454746 N 06/01/34 0 8993307 E22/G02 F 101,484.00 ZZ 360 101,400.81 4 7.0000 675.18 90 6.7500 675.18 LINCOLN NE 68508 1 05/05/04 10 0420297780 05 06/01/04 25.0000 0420297780 N 05/01/34 0 8993333 E22/G02 F 293,000.00 ZZ 360 293,000.00 1 5.6250 1686.67 74 5.3750 1686.67 LINCOLN CA 95648 5 04/28/04 00 0420361610 05 07/01/04 0.0000 0420361610 O 06/01/34 0 8993759 883/G02 F 58,200.00 ZZ 360 58,146.10 1 6.3750 363.09 77 6.1250 363.09 ALBANY GA 31701 2 04/29/04 00 0437823107 05 06/01/04 0.0000 12003081 N 05/01/34 0 8993841 883/G02 F 54,250.00 ZZ 360 54,199.75 1 6.3750 338.45 78 6.1250 338.45 ALBANY GA 31701 2 04/29/04 00 0437819709 05 06/01/04 0.0000 12002661 N 05/01/34 0 8995159 883/G02 F 50,250.00 ZZ 360 50,203.46 1 6.3750 313.49 75 6.1250 313.49 ALBANY GA 31701 2 04/29/04 00 0437822505 05 06/01/04 0.0000 12003082 N 05/01/34 0 8995347 F89/G02 F 101,500.00 ZZ 360 101,403.70 1 6.2500 624.95 73 6.0000 624.95 RIVERSIDE CA 92503 5 04/16/04 00 0437908775 09 06/01/04 0.0000 11141002 O 05/01/34 0 8995359 N74/G02 F 82,000.00 ZZ 300 81,888.77 1 6.4000 548.56 63 6.1500 548.56 BELTON SC 29627 5 04/29/04 00 0437840374 05 06/04/04 0.0000 2200001906 O 05/04/29 0 8995401 J40/G02 F 182,500.00 ZZ 360 182,342.87 1 6.7500 1183.69 94 6.5000 1183.69 OLIVE BRANCH MS 38654 5 04/05/04 11 0437806029 05 06/01/04 30.0000 7815585 O 05/01/34 0 8995813 E82/G02 F 171,650.00 ZZ 360 171,650.00 1 5.8750 1015.37 64 5.6250 1015.37 BEND OR 97702 2 05/03/04 00 0400969689 05 07/01/04 0.0000 0400969689 O 06/01/34 0 8995837 E82/G02 F 94,000.00 ZZ 360 94,000.00 1 6.2500 578.77 83 6.0000 578.77 MILTON- FREEWAOR 97862 1 05/05/04 04 0400978094 05 07/01/04 12.0000 0400978094 O 06/01/34 0 8995843 E82/G02 F 105,000.00 ZZ 360 105,000.00 1 5.8750 621.11 81 5.6250 621.11 BROOKFIELD MA 01506 2 04/30/04 10 0400975686 05 07/01/04 12.0000 0400975686 O 06/01/34 0 8995925 R84/G02 F 168,150.00 ZZ 360 168,005.22 1 6.7500 1090.62 95 6.5000 1090.62 LAS VEGAS NV 89145 1 04/19/04 10 0437821721 05 06/01/04 30.0000 LVW7586 O 05/01/34 0 8995971 E22/G02 F 153,000.00 ZZ 360 152,854.82 1 6.2500 942.05 90 6.0000 942.05 MIAMI FL 33055 5 04/30/04 10 0420462467 05 06/01/04 25.0000 0420462467 O 05/01/34 0 8995997 E22/G02 F 100,000.00 ZZ 360 99,909.60 1 6.5000 632.07 68 6.2500 632.07 DUNEDIN FL 34698 1 05/05/04 00 0420423063 05 06/01/04 0.0000 0420423063 N 05/01/34 0 8996035 E22/G02 F 279,000.00 ZZ 360 279,000.00 4 7.0000 1856.19 90 6.7500 1856.19 ST LOUIS MO 63109 1 05/05/04 01 0420316333 05 07/01/04 25.0000 0420316333 N 06/01/34 0 8996085 E22/G02 F 281,250.00 ZZ 360 281,250.00 1 6.2500 1731.70 90 6.0000 1731.70 AUSTIN TX 78745 1 05/05/04 01 0420196305 05 07/01/04 25.0000 0420196305 O 06/01/34 0 8996087 E22/G02 F 380,000.00 ZZ 360 379,696.12 4 7.1250 2560.13 37 6.8750 2560.13 LONG BEACH CA 90803 5 04/23/04 00 0420197980 05 06/01/04 0.0000 0420197980 N 05/01/34 0 8996101 E22/G02 F 108,000.00 ZZ 360 107,290.61 1 6.2500 664.97 80 6.0000 664.97 PINCKNEY MI 48169 2 04/30/04 00 0420233561 05 06/01/04 0.0000 0420233561 O 05/01/34 0 8996105 E22/G02 F 145,000.00 ZZ 360 145,000.00 1 5.8750 857.73 55 5.6250 857.73 SACRAMENTO CA 95834 1 05/03/04 00 0420240061 05 07/01/04 0.0000 0420240061 O 06/01/34 0 8996109 E22/G02 F 90,000.00 ZZ 360 89,918.64 1 6.5000 568.86 74 6.2500 568.86 SPOKANE VALLEYWA 99216 1 04/22/04 00 0420253148 05 06/01/04 0.0000 0420253148 O 05/01/34 0 8996185 E22/G02 F 358,000.00 ZZ 360 357,676.37 1 6.5000 2262.80 80 6.2500 2262.80 CARSON CA 90745 5 04/16/04 00 0420628620 05 06/01/04 0.0000 0420628620 O 05/01/34 0 8996221 E22/G02 F 256,500.00 ZZ 360 256,273.69 1 6.6250 1642.40 95 6.3750 1642.40 SACRAMENTO CA 95823 5 04/28/04 01 0420658072 05 06/01/04 30.0000 0420658072 O 05/01/34 0 8996383 E22/G02 F 64,800.00 ZZ 360 64,541.42 1 6.5000 409.58 80 6.2500 409.58 LIBERTY NC 27298 1 05/05/04 00 0420729519 05 06/01/04 0.0000 0420729519 N 05/01/34 0 8996405 E22/G02 F 164,000.00 ZZ 360 163,858.80 3 6.7500 1063.70 80 6.5000 1063.70 LAKE HAVASU CIAZ 86403 1 04/28/04 00 0420667180 05 06/01/04 0.0000 0420667180 N 05/01/34 0 8996419 E22/G02 F 266,000.00 ZZ 360 266,000.00 1 6.3750 1659.49 58 6.1250 1659.49 MARLBORO TOWNSNJ 07751 1 05/05/04 00 0420679748 05 07/01/04 0.0000 0420679748 O 06/01/34 0 8997163 K15/G02 F 61,182.06 ZZ 360 61,182.06 1 5.6250 352.20 85 5.3750 352.20 WOLFE CITY TX 75496 2 04/28/04 41 0437822570 05 07/01/04 12.0000 016105521190 O 06/01/34 0 8997367 F89/G02 F 149,200.00 ZZ 360 149,051.47 1 6.0000 894.53 63 5.7500 894.53 OAK HILLS CA 92345 2 04/26/04 00 0437901234 05 06/01/04 0.0000 14441987 O 05/01/34 0 8997923 E47/G02 F 90,300.00 ZZ 360 90,214.32 1 6.2500 555.99 72 6.0000 555.99 WALDORF MD 20601 1 04/27/04 00 0437807605 09 06/01/04 0.0000 7342510975 N 05/01/34 0 8997927 U85/G02 F 360,000.00 ZZ 360 360,000.00 1 6.8750 2364.94 80 6.6250 2364.94 ST PAUL MN 55105 5 05/04/04 00 0437822810 05 07/01/04 0.0000 TQS21MN O 06/01/34 0 8997937 E47/G02 F 110,160.00 ZZ 360 110,067.46 1 6.8750 723.67 80 6.6250 723.67 HAVRE DE GRACEMD 21078 1 04/26/04 00 0437824006 05 06/01/04 0.0000 7353010006 N 05/01/34 0 8998879 E82/G02 F 180,400.00 ZZ 360 180,400.00 1 5.7500 1052.77 84 5.5000 1052.77 MIAMI SPRINGS FL 33166 2 05/05/04 04 0400967618 05 07/01/04 12.0000 0400967618 O 06/01/34 0 8998883 E82/G02 F 119,500.00 ZZ 360 119,500.00 1 6.0000 716.46 77 5.7500 716.46 SUGAR LAND TX 77478 2 05/01/04 00 0400975645 03 07/01/04 0.0000 0400975645 O 06/01/34 0 8998895 E82/G02 F 189,000.00 ZZ 360 189,000.00 1 6.0000 1133.15 90 5.7500 1133.15 ASHLAND OH 44805 2 05/05/04 10 0400974630 05 07/01/04 25.0000 0400974630 O 06/01/34 0 8998915 B76/G02 F 315,900.00 ZZ 360 315,900.00 3 6.6250 2022.74 90 6.3750 2022.74 CLINTON MA 01510 1 05/05/04 01 0437814841 05 07/01/04 25.0000 0004956058 O 06/01/34 0 8998917 X84/G02 F 300,000.00 ZZ 360 299,728.79 1 6.5000 1896.21 70 6.2500 1896.21 BALTIMORE MD 21237 2 04/30/04 00 0437814338 05 06/01/04 0.0000 1 O 05/01/34 0 8998929 E22/G02 F 48,750.00 ZZ 360 48,750.00 3 7.5000 340.87 65 7.2500 340.87 FRANKFORT KY 40601 5 05/06/04 00 0420502650 05 07/01/04 0.0000 0420502650 N 06/01/34 0 8998949 E22/G02 F 120,000.00 ZZ 360 119,906.39 2 7.2500 818.61 78 7.0000 818.61 ASHEVILLE NC 28806 2 05/06/04 00 0420531162 05 06/01/04 0.0000 0420531162 N 05/01/34 0 8998979 E22/G02 F 57,600.00 ZZ 360 57,550.41 1 6.7500 373.59 80 6.5000 373.59 CHARLOTTE NC 28215 1 05/06/04 00 0420567729 05 06/01/04 0.0000 0420567729 N 05/01/34 0 8999043 E22/G02 F 99,000.00 ZZ 360 98,916.83 1 6.8750 650.36 90 6.6250 650.36 DENVER CO 80227 1 05/06/04 01 0420642217 07 06/01/04 25.0000 0420642217 N 05/01/34 0 8999079 E22/G02 F 62,900.00 ZZ 360 62,900.00 1 6.3750 392.41 51 6.1250 392.41 NEW ORLEANS LA 70131 1 05/06/04 00 0420681058 05 07/01/04 0.0000 0420681058 O 06/01/34 0 8999093 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.2500 591.09 80 6.0000 591.09 WEST BRANCH MI 48661 1 05/07/04 00 0420707010 05 07/01/04 0.0000 0420707010 O 06/01/34 0 8999115 E22/G02 F 285,142.00 ZZ 360 285,142.00 1 6.2500 1755.67 95 6.0000 1755.67 ST. GEORGE UT 84790 1 05/06/04 01 0420742819 05 07/01/04 30.0000 0420742819 O 06/01/34 0 8999117 E22/G02 F 173,000.00 ZZ 240 172,687.57 1 7.5000 1393.68 67 7.2500 1393.68 CHARLESTOWN IN 47111 5 05/06/04 00 0420743718 05 06/01/04 0.0000 0420743718 N 05/01/24 0 8999243 E22/G02 F 125,400.00 ZZ 360 125,278.12 1 6.1250 761.94 95 5.8750 761.94 ASHEBORO NC 27205 1 05/06/04 01 0420761819 05 06/01/04 30.0000 0420761819 O 05/01/34 0 8999245 E22/G02 F 297,600.00 ZZ 360 297,600.00 1 5.8750 1760.42 80 5.6250 1760.42 NEVADA CITY CA 95959 1 04/30/04 00 0420764144 05 07/01/04 0.0000 0420764144 O 06/01/34 0 8999275 E22/G02 F 103,500.00 ZZ 360 103,500.00 4 7.1250 697.30 90 6.8750 697.30 SAINT LOUIS MO 63127 1 05/06/04 01 0420450280 05 07/01/04 25.0000 0420450280 N 06/01/34 0 8999405 G34/G02 F 333,700.00 ZZ 360 333,343.25 2 5.6250 1920.97 51 5.3750 1920.97 SAN CLEMENTE CA 92672 2 04/23/04 00 0437806581 05 06/01/04 0.0000 42904811 N 05/01/34 0 8999451 X52/G02 F 313,000.00 ZZ 360 313,000.00 1 5.8750 1851.51 50 5.6250 1851.51 KEY WEST FL 33040 1 05/03/04 00 0437834534 05 07/01/04 0.0000 855945 N 06/01/34 0 8999489 Q87/G02 F 70,000.00 ZZ 360 69,936.72 1 6.5000 442.45 80 6.2500 442.45 MOBILE AL 36695 1 05/05/04 00 0437814601 05 06/05/04 0.0000 TECH02 N 05/05/34 0 8999559 A42/G02 F 136,800.00 ZZ 360 136,660.53 1 5.8750 809.22 80 5.6250 809.22 BAKERSFIELD CA 93312 5 04/26/04 00 0437833551 05 06/01/04 0.0000 1017144 O 05/01/34 0 8999567 R26/G02 F 49,950.00 ZZ 360 49,911.03 1 7.2500 340.75 100 7.0000 340.75 GREENSBURG KY 42743 1 04/27/04 11 0437836265 05 06/01/04 35.0000 3040415003 O 05/01/34 0 8999681 U05/G02 F 105,450.00 ZZ 360 105,361.41 3 6.8750 692.73 90 6.6250 692.73 SCRANTON PA 18504 1 04/28/04 10 0437831126 05 06/01/04 25.0000 3000623391 N 05/01/34 0 8999721 144/144 F 170,000.00 ZZ 360 169,830.76 1 6.0000 1019.24 60 5.7500 1019.24 WOODSTOCK NY 12498 5 04/28/04 00 160752824 05 06/01/04 0.0000 160752824 O 05/01/34 0 8999765 144/144 F 50,000.00 ZZ 360 49,952.56 1 6.2500 307.86 28 6.0000 307.86 KINGSTON NY 12401 1 04/30/04 00 160753087 05 06/01/04 0.0000 160753087 O 05/01/34 0 8999769 U05/G02 F 192,000.00 TX 360 191,834.69 1 6.7500 1245.31 80 6.5000 1245.31 WHITNEY TX 76692 5 04/22/04 00 0437841547 05 06/01/04 0.0000 3000616644 O 05/01/34 0 8999805 U05/G02 F 50,000.00 ZZ 360 49,951.40 1 6.1250 303.81 53 5.8750 303.81 BEAVER FALLS PA 15010 5 04/22/04 00 0437841893 05 06/01/04 0.0000 3000623915 O 05/01/34 0 8999889 E57/G02 F 215,000.00 ZZ 360 214,775.53 1 5.7500 1254.68 80 5.5000 1254.68 LANCASTER CA 93536 1 04/21/04 00 0437814429 05 06/01/04 0.0000 06021962 N 05/01/34 0 9000183 U05/G02 F 211,700.00 ZZ 360 211,513.22 4 6.6250 1355.54 90 6.3750 1355.54 EDINBURG TX 78539 2 04/30/04 04 0437891138 05 06/01/04 30.0000 3000624154 N 05/01/34 0 9000469 U85/G02 F 210,000.00 ZZ 360 210,000.00 1 6.5000 1327.34 62 6.2500 1327.34 EXELAND WI 54835 5 05/06/04 00 0437829203 05 07/01/04 0.0000 0404220030 O 06/01/34 0 9000643 N47/G02 F 180,000.00 ZZ 360 179,820.81 1 6.0000 1079.19 75 5.7500 1079.19 BAKERSFIELD CA 93312 1 04/27/04 00 0437964471 05 06/01/04 0.0000 30516449 O 05/01/34 0 9000735 W08/G02 F 221,000.00 ZZ 360 220,798.27 1 6.4500 1389.61 85 6.2000 1389.61 MIAMI LAKES FL 33018 5 04/30/04 10 0437839848 05 06/01/04 12.0000 45120M O 05/01/34 0 9001133 420/G02 F 300,000.00 ZZ 360 299,701.35 1 6.0000 1798.65 80 5.7500 1798.65 SANTA ROSA CA 95403 5 04/06/04 00 0437811607 05 06/01/04 0.0000 74000497 O 05/01/34 0 9001873 X31/G02 F 147,000.00 ZZ 360 146,860.52 1 6.2500 905.10 70 6.0000 905.10 HENDERSON NV 89014 5 04/05/04 00 0437813272 05 06/01/04 0.0000 72000891 O 05/01/34 0 9002155 Y21/G02 F 420,000.00 ZZ 360 419,550.99 1 5.6250 2417.76 72 5.3750 2417.76 AVON CT 06001 5 04/21/04 00 0437839012 05 06/01/04 0.0000 204183634 O 05/01/34 0 9002165 Y21/G02 F 389,000.00 ZZ 360 388,593.86 1 5.7500 2270.10 80 5.5000 2270.10 ROSEVILLE CA 95747 5 04/16/04 00 0437839806 05 06/01/04 0.0000 204255023 O 05/01/34 0 9002175 Y21/G02 F 407,500.00 ZZ 360 407,074.54 1 5.7500 2378.06 78 5.5000 2378.06 OCEANSIDE CA 92054 2 04/21/04 00 0437833437 03 06/01/04 0.0000 204123836 O 05/01/34 0 9002187 Y21/G02 F 484,000.00 ZZ 360 483,482.57 1 5.6250 2786.18 78 5.3750 2786.18 EL CAJON CA 92019 2 04/09/04 00 0437830573 05 06/01/04 0.0000 204169534 O 05/01/34 0 9002205 Y21/G02 F 540,000.00 ZZ 360 539,436.20 1 5.7500 3151.30 80 5.5000 3151.30 CARLSBAD CA 92009 5 04/20/04 00 0437829344 05 06/01/04 0.0000 204236916 O 05/01/34 0 9002213 Y21/G02 F 187,200.00 ZZ 360 187,009.14 2 5.8750 1107.36 80 5.6250 1107.36 BRENTWOOD TN 37027 1 04/30/04 00 0437831910 05 06/01/04 0.0000 204274974 O 05/01/34 0 9002215 Y21/G02 F 320,000.00 ZZ 360 319,657.89 1 5.6250 1842.11 80 5.3750 1842.11 WILDOMAR CA 92595 2 04/15/04 00 0437830011 05 06/01/04 0.0000 204180228 O 05/01/34 0 9002239 Y21/G02 F 457,500.00 ZZ 360 457,010.90 1 5.6250 2633.63 79 5.3750 2633.63 SHINGLE SPRINGCA 95682 5 04/22/04 00 0437823024 05 06/01/04 0.0000 204231469 O 05/01/34 0 9002251 Y21/G02 F 379,100.00 ZZ 360 378,704.19 1 5.7500 2212.33 78 5.5000 2212.33 GIG HARBOR WA 98332 2 04/20/04 00 0437834377 03 06/01/04 0.0000 204242576 O 05/01/34 0 9002265 Y21/G02 F 480,000.00 ZZ 360 479,510.61 1 5.8750 2839.39 75 5.6250 2839.39 ORANGE CA 92869 5 04/14/04 00 0437833478 05 06/01/04 0.0000 204260469 O 05/01/34 0 9002275 Y21/G02 F 625,000.00 ZZ 360 624,331.83 1 5.6250 3597.86 55 5.3750 3597.86 WESTPORT CT 06880 5 04/19/04 00 0437832611 05 06/01/04 0.0000 204204160 O 05/01/34 0 9002315 Y21/G02 F 344,000.00 ZZ 360 343,657.54 1 6.0000 2062.46 80 5.7500 2062.46 RIVERSIDE CA 92508 5 04/23/04 00 0437830276 05 06/01/04 0.0000 204304903 O 05/01/34 0 9002325 Y21/G02 F 370,000.00 ZZ 360 369,631.66 1 6.0000 2218.34 77 5.7500 2218.34 GRISWOLD CT 06351 2 04/20/04 00 0437830821 05 06/01/04 0.0000 204241545 O 05/01/34 0 9002349 Y21/G02 F 412,000.00 ZZ 360 411,559.54 1 5.6250 2371.71 66 5.3750 2371.71 EL DORADO HILLCA 95762 2 04/15/04 00 0437822059 05 06/01/04 0.0000 204236142 O 05/01/34 0 9002357 Y21/G02 F 397,000.00 ZZ 360 396,585.50 1 5.7500 2316.79 73 5.5000 2316.79 EL CAJON CA 92020 2 04/21/04 00 0437829898 05 06/01/04 0.0000 204247071 O 05/01/34 0 9002359 Y21/G02 F 386,250.00 ZZ 360 385,856.20 1 5.8750 2284.82 43 5.6250 2284.82 FULLERTON CA 92835 5 04/20/04 00 0437838568 05 06/01/04 0.0000 204222273 O 05/01/34 0 9002367 Y21/G02 F 505,000.00 ZZ 360 504,472.74 1 5.7500 2947.05 80 5.5000 2947.05 ROSEVILLE CA 95747 5 04/22/04 00 0437821804 05 06/01/04 0.0000 204247209 O 05/01/34 0 9002385 Y21/G02 F 512,000.00 ZZ 360 511,477.99 1 5.8750 3028.68 80 5.6250 3028.68 CORONA CA 92883 1 04/23/04 00 0437829831 03 06/01/04 0.0000 204288207 O 05/01/34 0 9003045 W39/G02 F 141,300.00 ZZ 360 141,195.14 4 7.5000 987.99 90 7.2500 987.99 BATON ROUGE LA 70816 1 04/30/04 01 0437816267 05 06/01/04 25.0000 LA041166 N 05/01/34 0 9003083 Y21/G02 F 101,800.00 ZZ 360 101,714.47 3 6.8750 668.76 30 6.6250 668.76 SEATTLE WA 98144 5 04/13/04 00 0437896194 05 06/01/04 0.0000 204136571 N 05/01/34 0 9003145 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.1250 1093.70 80 5.8750 1093.70 FLUSHING MI 48433 1 05/07/04 00 0420311060 05 07/01/04 0.0000 0420311060 O 06/01/34 0 9003147 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 5.8750 650.69 57 5.6250 650.69 MARBLE FALLS TX 78654 5 05/03/04 00 0420311896 05 07/01/04 0.0000 0420311896 O 06/01/34 0 9003277 E22/G02 F 205,000.00 ZZ 360 205,000.00 1 6.3750 1278.93 62 6.1250 1278.93 CRESWELL OR 97426 1 05/05/04 00 0420056467 05 07/01/04 0.0000 0420056467 O 06/01/34 0 9003297 H49/G02 F 64,000.00 ZZ 360 63,946.24 1 6.8750 420.43 80 6.6250 420.43 GREENVILLE SC 29611 1 04/29/04 00 0437839921 05 06/01/04 0.0000 572261 N 05/01/34 0 9003419 E22/G02 F 66,400.00 ZZ 360 66,338.50 1 6.3750 414.25 43 6.1250 414.25 RENFREW PA 16053 2 05/03/04 00 0420382830 05 06/01/04 0.0000 0420382830 O 05/01/34 0 9003505 R68/G02 F 288,000.00 ZZ 360 288,000.00 1 6.3750 1796.75 80 6.1250 1796.75 MIRAMAR FL 33027 5 04/27/04 00 0437871015 03 07/01/04 0.0000 20040581 O 06/01/34 0 9003529 E22/G02 F 67,500.00 ZZ 360 67,431.18 1 5.8750 399.29 89 5.6250 399.29 WAVELAND MS 39576 5 05/03/04 10 0420437105 05 06/01/04 25.0000 0420437105 O 05/01/34 0 9003531 E22/G02 F 122,400.00 ZZ 360 122,278.15 1 6.0000 733.85 90 5.7500 733.85 WILLAMINA OR 97396 1 04/06/04 10 0420441057 05 06/01/04 25.0000 0420441057 N 05/01/34 0 9003545 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.0000 372.57 80 6.7500 372.57 ELKHART IN 46514 1 05/07/04 00 0420450306 05 07/01/04 0.0000 0420450306 N 06/01/34 0 9003553 E22/G02 F 262,500.00 TX 360 262,500.00 1 5.8750 1552.79 77 5.6250 1552.79 DALLAS TX 75229 5 05/03/04 00 0420459927 05 07/01/04 0.0000 0420459927 O 06/01/34 0 9003569 E22/G02 F 89,000.00 ZZ 360 88,917.57 1 6.3750 555.24 75 6.1250 555.24 MOBILE AL 36695 5 05/03/04 00 0420465015 05 06/01/04 0.0000 0420465015 O 05/01/34 0 9003575 E22/G02 F 226,351.00 ZZ 360 226,351.00 2 6.2500 1393.68 74 6.0000 1393.68 SOUTH BURLINGTVT 05403 2 05/03/04 00 0420465478 05 07/01/04 0.0000 0420465478 O 06/01/34 0 9003603 E22/G02 F 245,600.00 ZZ 360 245,600.00 1 6.2500 1512.20 80 6.0000 1512.20 CHICHESTER NH 03258 5 05/03/04 00 0420466443 05 07/01/04 0.0000 0420466443 O 06/01/34 0 9003609 E22/G02 F 85,000.00 ZZ 360 84,940.01 1 7.7500 608.95 85 7.5000 608.95 FLINT MI 48507 1 05/07/04 04 0420467433 05 06/01/04 20.0000 0420467433 N 05/01/34 0 9003637 E22/G02 F 97,500.00 ZZ 360 97,400.59 1 5.8750 576.75 78 5.6250 576.75 WARREN MI 48091 2 05/03/04 00 0420484032 05 06/01/04 0.0000 0420484032 O 05/01/34 0 9003659 P34/G02 F 148,500.00 ZZ 360 148,372.14 1 6.7500 963.17 90 6.5000 963.17 CLERMONT FL 34711 1 04/30/04 10 0437849599 03 06/01/04 25.0000 62786 N 05/01/34 0 9003661 E22/G02 F 109,600.00 ZZ 360 109,600.00 2 6.3750 683.76 80 6.1250 683.76 OLDSMAR FL 34677 1 05/07/04 00 0420502916 05 07/01/04 0.0000 0420502916 N 06/01/34 0 9003755 E22/G02 F 81,000.00 ZZ 360 81,000.00 3 7.2500 552.56 90 7.0000 552.56 CLEVELAND OH 44103 1 05/07/04 01 0420554479 05 07/01/04 25.0000 0420554479 N 06/01/34 0 9003765 Y21/G02 F 91,000.00 ZZ 360 90,909.40 1 6.0000 545.59 75 5.7500 545.59 CHEEKTOWAGA NY 14227 2 04/22/04 00 0437897192 05 06/01/04 0.0000 204241031 O 05/01/34 0 9003773 E22/G02 F 62,910.00 ZZ 360 62,910.00 1 7.0000 418.54 90 6.7500 418.54 LA MARQUE TX 77568 1 05/07/04 04 0420566291 05 07/01/04 30.0000 0420566291 O 06/01/34 0 9003779 E22/G02 F 100,000.00 ZZ 360 99,900.45 1 6.0000 599.55 80 5.7500 599.55 PUEBLO CO 81003 2 05/03/04 00 0420570236 05 06/01/04 0.0000 0420570236 O 05/01/34 0 9003799 E22/G02 F 100,000.00 ZZ 240 100,000.00 1 6.5000 745.57 65 6.2500 745.57 LAKE MARY FL 32746 5 05/07/04 00 0420577199 05 07/01/04 0.0000 0420577199 N 06/01/24 0 9003805 E22/G02 F 70,000.00 ZZ 240 70,000.00 1 6.5000 521.90 69 6.2500 521.90 APOPKA FL 32703 5 05/07/04 00 0420578239 05 07/01/04 0.0000 0420578239 N 06/01/24 0 9003883 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 5.8750 1656.31 80 5.6250 1656.31 PHOENIX AZ 85048 1 04/26/04 00 0420603110 03 07/01/04 0.0000 0420603110 O 06/01/34 0 9003913 E22/G02 F 79,900.00 ZZ 360 79,900.00 1 6.3750 498.47 80 6.1250 498.47 SUGAR LAND TX 77478 1 05/07/04 00 0420623118 03 07/01/04 0.0000 0420623118 O 06/01/34 0 9003927 E22/G02 F 72,975.00 ZZ 360 72,910.61 2 6.6250 467.27 75 6.3750 467.27 EMMETT ID 83617 1 04/28/04 00 0420628653 05 06/01/04 0.0000 0420628653 N 05/01/34 0 9003939 A50/G02 F 94,250.00 ZZ 360 94,170.81 1 6.8750 619.16 65 6.6250 619.16 MARIETTA GA 30008 5 04/23/04 00 0437839590 05 06/01/04 0.0000 02083236 N 05/01/34 0 9004041 E22/G02 F 132,300.00 ZZ 360 132,165.12 1 5.8750 782.60 49 5.6250 782.60 SEEKONK MA 02771 5 05/03/04 00 0420649287 05 06/01/04 0.0000 0420649287 O 05/01/34 0 9004079 E22/G02 F 69,750.00 ZZ 360 69,688.46 2 6.6250 446.62 75 6.3750 446.62 EMMETT ID 83617 1 04/28/04 00 0420661613 05 06/01/04 0.0000 0420661613 N 05/01/34 0 9004129 Y21/G02 F 202,150.00 ZZ 360 201,943.89 3 5.8750 1195.80 65 5.6250 1195.80 PROVIDENCE RI 02906 5 04/15/04 00 0437896640 05 06/01/04 0.0000 204198097 N 05/01/34 0 9004151 E22/G02 F 300,000.00 ZZ 360 300,000.00 2 7.3750 2072.03 75 7.1250 2072.03 NEW ORLEANS LA 70118 2 05/07/04 00 0420683047 05 07/01/04 0.0000 0420683047 N 06/01/34 0 9004279 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.5000 1264.14 80 6.2500 1264.14 GRASS VALLEY CA 95945 1 05/04/04 00 0420689903 05 07/01/04 0.0000 0420689903 N 06/01/34 0 9004351 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.5000 429.81 80 6.2500 429.81 PUEBLO CO 81004 2 05/07/04 00 0420729394 05 07/01/04 0.0000 0420729394 N 06/01/34 0 9004493 E22/G02 F 132,000.00 ZZ 360 132,000.00 2 6.3750 823.51 80 6.1250 823.51 CITY OF PATERSNJ 07522 1 05/07/04 00 0420781403 05 07/01/04 0.0000 0420781403 N 06/01/34 0 9004827 T79/G02 F 108,000.00 ZZ 360 108,000.00 4 7.3750 745.93 90 7.1250 745.93 ST JOSEPH MO 64505 1 05/05/04 11 0437821986 05 07/01/04 25.0000 1150404128 N 06/01/34 0 9005369 Y21/G02 F 490,000.00 ZZ 360 489,488.41 1 5.7500 2859.51 80 5.5000 2859.51 SAN LEANDRO CA 94579 2 04/01/04 00 0437811748 03 06/01/04 0.0000 204121761 O 05/01/34 0 9005385 Y21/G02 F 90,720.00 ZZ 360 90,633.92 1 6.2500 558.58 80 6.0000 558.58 MENASHA WI 54952 1 04/20/04 00 0437897283 05 06/01/04 0.0000 204183847 O 05/01/34 0 9005389 Y21/G02 F 210,800.00 ZZ 360 210,579.90 1 5.7500 1230.18 80 5.5000 1230.18 SACRAMENTO CA 95823 1 04/12/04 00 0437900566 05 06/01/04 0.0000 204215617 O 05/01/34 0 9005397 Y21/G02 F 655,000.00 ZZ 360 654,299.76 1 5.6250 3770.55 73 5.3750 3770.55 PARADISE VALLEAZ 85253 2 04/16/04 00 0437899032 05 06/01/04 0.0000 204164141 O 05/01/34 0 9005443 Y21/G02 F 104,600.00 ZZ 360 104,500.74 1 6.2500 644.05 80 6.0000 644.05 DENVER CO 80211 1 04/26/04 00 0437897200 05 06/01/04 0.0000 204144132 O 05/01/34 0 9005447 Y21/G02 F 150,000.00 ZZ 360 149,843.39 1 5.7500 875.36 63 5.5000 875.36 LOS ANGELES CA 90044 5 04/21/04 00 0437916224 05 06/01/04 0.0000 204230462 O 05/01/34 0 9005459 Y21/G02 F 460,000.00 ZZ 360 459,531.00 1 5.8750 2721.08 67 5.6250 2721.08 CAMPBELL CA 95008 2 04/21/04 00 0437897143 05 06/01/04 0.0000 204240166 N 05/01/34 0 9005475 Y21/G02 F 107,200.00 ZZ 360 107,090.70 1 5.8750 634.13 80 5.6250 634.13 KEIZER OR 97303 1 04/23/04 00 0437898869 05 06/01/04 0.0000 204276624 O 05/01/34 0 9005511 Y21/G02 F 187,200.00 ZZ 360 186,999.87 1 5.6250 1077.63 80 5.3750 1077.63 HOUSTON TX 77066 1 04/22/04 00 0437897002 03 06/01/04 0.0000 204242355 O 05/01/34 0 9005517 Y21/G02 F 375,500.00 ZZ 360 375,107.95 1 5.7500 2191.32 73 5.5000 2191.32 ATLANTA GA 30305 2 04/16/04 00 0437897275 05 06/01/04 0.0000 204237343 O 05/01/34 0 9005545 Y21/G02 F 114,302.00 ZZ 360 114,190.90 1 6.1250 694.51 95 5.8750 694.51 MONTGOMERY TX 77356 1 04/29/04 01 0437900400 05 06/01/04 30.0000 204322804 O 05/01/34 0 9005547 Y21/G02 F 460,000.00 ZZ 360 459,542.06 1 6.0000 2757.94 61 5.7500 2757.94 ATLANTA GA 30306 5 04/23/04 00 0437899552 05 06/01/04 0.0000 204249228 O 05/01/34 0 9005549 Y21/G02 F 231,200.00 ZZ 360 230,958.60 1 5.7500 1349.23 80 5.5000 1349.23 SAINT JOSEPH MO 64507 1 04/14/04 00 0437900137 05 06/01/04 0.0000 204165784 O 05/01/34 0 9005551 Y21/G02 F 188,100.00 ZZ 360 187,912.74 1 6.0000 1127.76 95 5.7500 1127.76 DANBURY CT 06810 1 04/19/04 10 0437916240 01 06/01/04 30.0000 204220262 O 05/01/34 0 9005553 Y21/G02 F 525,000.00 ZZ 360 524,451.86 1 5.7500 3063.76 78 5.5000 3063.76 CERRITOS CA 90703 1 04/23/04 00 0437896830 05 06/01/04 0.0000 204289491 O 05/01/34 0 9005557 Y21/G02 F 150,000.00 ZZ 360 149,847.06 1 5.8750 887.31 72 5.6250 887.31 LAKEWOOD CO 80226 5 04/23/04 00 0437900103 05 06/01/04 0.0000 204275903 O 05/01/34 0 9005559 Y21/G02 F 399,600.00 ZZ 360 399,182.79 1 5.7500 2331.96 65 5.5000 2331.96 EL CAJON CA 92020 2 04/15/04 00 0437899172 05 06/01/04 0.0000 204236029 O 05/01/34 0 9005561 Y21/G02 F 295,200.00 ZZ 360 294,913.08 1 6.1250 1793.67 80 5.8750 1793.67 COLORADO SPRINCO 80919 1 04/29/04 00 0437898646 03 06/01/04 0.0000 204282781 O 05/01/34 0 9005565 Y21/G02 F 252,000.00 ZZ 360 251,755.07 1 6.1250 1531.18 80 5.8750 1531.18 OAKLAND CA 94611 1 04/27/04 00 0437899206 01 06/01/04 0.0000 204297508 O 05/01/34 0 9005567 Y21/G02 F 190,000.00 ZZ 360 189,806.28 1 5.8750 1123.93 63 5.6250 1123.93 ELK GROVE VILLIL 60007 1 04/20/04 00 0437899917 05 06/01/04 0.0000 204233674 O 05/01/34 0 9005569 Y21/G02 F 755,000.00 ZZ 360 754,230.24 1 5.8750 4466.11 76 5.6250 4466.11 LOS ALTOS CA 94024 2 04/22/04 00 0437896913 05 06/01/04 0.0000 204263875 O 05/01/34 0 9005571 Y21/G02 F 397,150.00 ZZ 360 396,754.63 1 6.0000 2381.12 80 5.7500 2381.12 CHULA VISTA CA 91915 1 04/14/04 00 0437897325 03 06/01/04 0.0000 204265941 O 05/01/34 0 9005577 Y21/G02 F 207,000.00 ZZ 360 206,783.88 1 5.7500 1208.00 69 5.5000 1208.00 NEENAH WI 54956 5 04/13/04 00 0437897291 05 06/01/04 0.0000 204229022 O 05/01/34 0 9005581 Y21/G02 F 491,000.00 ZZ 360 490,511.20 1 6.0000 2943.80 80 5.7500 2943.80 BEVERLY MA 01915 2 04/14/04 00 0437896764 05 06/01/04 0.0000 204218641 O 05/01/34 0 9005583 Y21/G02 F 258,400.00 ZZ 360 258,130.21 1 5.7500 1507.96 80 5.5000 1507.96 RENTON WA 98056 2 04/20/04 00 0437896566 03 06/01/04 0.0000 204242142 O 05/01/34 0 9005589 Y21/G02 F 560,000.00 ZZ 360 559,415.32 1 5.7500 3268.01 67 5.5000 3268.01 SAN DIEGO CA 92130 5 04/20/04 00 0437903180 03 06/01/04 0.0000 204250358 O 05/01/34 0 9005591 Y21/G02 F 200,900.00 ZZ 360 200,700.00 1 6.0000 1204.50 70 5.7500 1204.50 JEFFERSON MD 21755 5 04/22/04 00 0437896798 05 06/01/04 0.0000 204285569 O 05/01/34 0 9005593 Y21/G02 F 128,000.00 ZZ 360 127,866.35 1 5.7500 746.98 80 5.5000 746.98 CHARLOTTE NC 28269 2 04/15/04 00 0437899958 03 06/01/04 0.0000 204255236 O 05/01/34 0 9005595 Y21/G02 F 440,000.00 ZZ 360 439,561.97 1 6.0000 2638.03 80 5.7500 2638.03 LITTLETON CO 80123 1 04/29/04 00 0437900376 05 06/01/04 0.0000 204267641 O 05/01/34 0 9005597 Y21/G02 F 183,920.00 ZZ 360 183,736.90 1 6.0000 1102.70 80 5.7500 1102.70 WOODBURY MN 55125 1 04/16/04 00 0437831670 05 06/01/04 0.0000 204100119 O 05/01/34 0 9005599 Y21/G02 F 106,000.00 ZZ 360 105,904.17 1 6.5000 670.00 64 6.2500 670.00 CHANHASSEN MN 55317 5 04/16/04 00 0437900491 09 06/01/04 0.0000 204265568 N 05/01/34 0 9005601 Y21/G02 F 122,800.00 ZZ 360 122,677.75 1 6.0000 736.25 80 5.7500 736.25 HOUSTON TX 77074 1 04/26/04 00 0437916273 03 06/01/04 0.0000 204278481 O 05/01/34 0 9005603 Y21/G02 F 185,000.00 ZZ 360 184,815.83 1 6.0000 1109.17 76 5.7500 1109.17 FONTANA CA 92335 5 04/12/04 00 0437903487 05 06/01/04 0.0000 204248752 O 05/01/34 0 9005613 Y21/G02 F 125,100.00 ZZ 360 124,975.46 1 6.0000 750.04 90 5.7500 750.04 TAMPA FL 33647 1 04/28/04 11 0437896723 03 06/01/04 25.0000 204287383 N 05/01/34 0 9005615 Y21/G02 F 615,900.00 ZZ 360 615,256.96 1 5.7500 3594.34 80 5.5000 3594.34 LADERA RANCH CA 92694 1 04/14/04 00 0437899537 03 06/01/04 0.0000 204108977 O 05/01/34 0 9005619 Y21/G02 F 445,000.00 ZZ 360 444,535.39 1 5.7500 2596.90 72 5.5000 2596.90 MARLBORO MA 01752 2 04/22/04 00 0437901044 05 06/01/04 0.0000 204250021 O 05/01/34 0 9005621 Y21/G02 F 176,000.00 ZZ 360 175,824.79 1 6.0000 1055.21 80 5.7500 1055.21 SAN DIEGO CA 92105 1 04/15/04 00 0437898992 01 06/01/04 0.0000 204222796 O 05/01/34 0 9005623 Y21/G02 F 333,700.00 ZZ 360 333,334.74 1 5.5000 1894.72 78 5.2500 1894.72 VANCOUVER WA 98685 2 04/19/04 00 0437903321 05 06/01/04 0.0000 204255058 O 05/01/34 0 9005627 Y21/G02 F 397,200.00 ZZ 360 396,804.58 1 6.0000 2381.42 80 5.7500 2381.42 DELRAY BEACH FL 33445 1 04/30/04 00 0437899230 05 06/01/04 0.0000 204285585 O 05/01/34 0 9005631 Y21/G02 F 106,500.00 ZZ 360 106,386.14 1 5.6250 613.08 51 5.3750 613.08 CEDAR MN 55011 5 04/09/04 00 0437898901 05 06/01/04 0.0000 204153468 O 05/01/34 0 9005633 Y21/G02 F 62,400.00 ZZ 360 62,337.88 1 6.0000 374.12 80 5.7500 374.12 TUCSON AZ 85705 1 04/21/04 00 0437900509 05 06/01/04 0.0000 204281369 O 05/01/34 0 9005635 Y21/G02 F 315,000.00 ZZ 360 314,693.83 1 6.1250 1913.98 90 5.8750 1913.98 WEST SPRINGFIEMA 01089 1 04/16/04 10 0437899990 05 06/01/04 25.0000 204263549 O 05/01/34 0 9005641 Y21/G02 F 452,000.00 ZZ 360 451,539.16 1 5.8750 2673.76 71 5.6250 2673.76 ST. CHARLES IL 60175 2 04/12/04 00 0437899669 05 06/01/04 0.0000 204153590 O 05/01/34 0 9005643 Y21/G02 F 143,920.00 ZZ 360 143,749.75 1 5.7500 839.88 80 5.5000 839.88 YUBA CITY CA 95991 1 04/08/04 00 0437901416 05 06/01/04 0.0000 204244561 O 05/01/34 0 9005645 Y21/G02 F 244,000.00 ZZ 360 243,762.85 1 6.1250 1482.57 80 5.8750 1482.57 WALTHAM MA 02451 1 04/30/04 00 0437896871 05 06/01/04 0.0000 204276861 O 05/01/34 0 9005647 Y21/G02 F 420,000.00 ZZ 360 419,591.78 1 6.1250 2551.97 74 5.8750 2551.97 CHINO HILLS CA 91709 1 04/23/04 00 0437901481 05 06/01/04 0.0000 204188911 O 05/01/34 0 9005653 Y21/G02 F 184,000.00 ZZ 360 183,816.82 1 6.0000 1103.18 80 5.7500 1103.18 TUCSON AZ 85730 1 04/16/04 00 0437896921 05 06/01/04 0.0000 204250374 O 05/01/34 0 9005657 Y21/G02 F 112,720.00 ZZ 360 112,605.07 1 5.8750 666.79 80 5.6250 666.79 MURFREESBORO TN 37128 1 04/30/04 00 0437899578 03 06/01/04 0.0000 204300738 O 05/01/34 0 9005661 Y21/G02 F 147,000.00 ZZ 360 146,846.52 1 5.7500 857.86 70 5.5000 857.86 BOYNTON BEACH FL 33435 5 04/20/04 00 0437897168 05 06/01/04 0.0000 204190991 O 05/01/34 0 9005663 Y21/G02 F 121,600.00 ZZ 360 121,478.94 1 6.0000 729.06 80 5.7500 729.06 BLAINE MN 55434 1 04/29/04 00 0437900541 01 06/01/04 0.0000 204306230 O 05/01/34 0 9005669 Y21/G02 F 188,000.00 ZZ 360 187,812.84 1 6.0000 1127.16 80 5.7500 1127.16 LITTLETON CO 80129 1 04/30/04 00 0437900285 03 06/01/04 0.0000 204283370 O 05/01/34 0 9005743 A46/G02 F 70,300.00 ZZ 360 70,234.89 1 6.3750 438.58 95 6.1250 438.58 HOUSTON TX 77057 1 04/29/04 04 0437823016 01 06/01/04 30.0000 0081014 O 05/01/34 0 9005855 K15/G02 F 147,900.00 TX 360 147,749.21 1 5.8750 874.88 80 5.6250 874.88 KINGWOOD TX 77345 5 04/20/04 00 0437841620 05 06/01/04 0.0000 015505520811 O 05/01/34 0 9007825 E82/G02 F 110,400.00 ZZ 360 110,400.00 1 6.1250 670.80 75 5.8750 670.80 IRVING TX 75060 2 05/07/04 00 0400968459 05 07/01/04 0.0000 0400968459 O 06/01/34 0 9007841 E82/G02 F 212,100.00 ZZ 360 212,100.00 1 6.1250 1288.74 89 5.8750 1288.74 RUNNING SPRINGCA 92382 2 05/04/04 04 0400978656 05 07/01/04 25.0000 0400978656 O 06/01/34 0 9007887 E82/G02 F 130,600.00 ZZ 360 130,600.00 1 6.2500 804.13 60 6.0000 804.13 SAINT AUGUSTINFL 32086 5 05/04/04 00 0400982450 05 07/01/04 0.0000 0400982450 O 06/01/34 0 9007905 E22/G02 F 200,000.00 ZZ 360 199,796.09 1 5.8750 1183.08 60 5.6250 1183.08 LOMPC CA 93436 5 04/23/04 00 0420510638 05 06/01/04 0.0000 0420510638 O 05/01/34 0 9007923 E22/G02 F 608,000.00 ZZ 360 608,000.00 1 5.6250 3499.99 80 5.3750 3499.99 THOUSAND OAKS CA 91362 2 04/30/04 00 0420523375 05 07/01/04 0.0000 0420523375 O 06/01/34 0 9007943 E22/G02 F 93,750.00 ZZ 360 93,750.00 1 6.3750 584.88 73 6.1250 584.88 WINCHESTER CT 06098 5 05/04/04 00 0420539140 05 07/01/04 0.0000 0420539140 O 06/01/34 0 9007955 E22/G02 F 54,750.00 ZZ 360 54,750.00 4 6.5000 346.06 73 6.2500 346.06 BATON ROUGE LA 70820 1 05/10/04 00 0420471898 05 07/01/04 0.0000 0420471898 N 06/01/34 0 9007959 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.7500 583.74 90 6.5000 583.74 TRUSSVILLE AL 35173 1 05/10/04 10 0420472540 05 07/01/04 25.0000 0420472540 N 06/01/34 0 9007983 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.6250 1331.85 80 6.3750 1331.85 GRAND TERRACE CA 92313 5 04/28/04 00 0420496721 05 07/01/04 0.0000 0420496721 O 06/01/34 0 9008027 E22/G02 F 120,400.00 ZZ 360 120,400.00 1 5.6250 693.09 80 5.3750 693.09 HOUSTON TX 77008 1 05/10/04 00 0420438962 05 07/01/04 0.0000 0420438962 O 06/01/34 0 9008039 E22/G02 F 121,000.00 ZZ 360 121,000.00 1 5.8750 715.76 76 5.6250 715.76 PORTLAND OR 97206 2 05/05/04 00 0420408684 05 07/01/04 0.0000 0420408684 N 06/01/34 0 9008055 E22/G02 F 128,000.00 ZZ 360 128,000.00 2 5.7500 746.97 80 5.5000 746.97 LAKEWOOD WA 98499 1 05/04/04 00 0420320053 05 07/01/04 0.0000 0420320053 O 06/01/34 0 9008063 E22/G02 F 76,500.00 ZZ 360 76,500.00 1 6.2500 471.02 85 6.0000 471.02 CHIPLEY FL 32428 1 05/10/04 10 0420353609 05 07/01/04 12.0000 0420353609 O 06/01/34 0 9008087 E22/G02 F 605,050.00 TX 360 605,050.00 1 6.0000 3627.58 70 5.7500 3627.58 ROCKWALL TX 75087 5 05/04/04 00 0420071920 03 07/01/04 0.0000 0420071920 O 06/01/34 0 9008121 E22/G02 F 140,000.00 ZZ 360 139,876.48 1 6.6250 896.44 78 6.3750 896.44 GLOUCESTER TWPNJ 08081 1 04/27/04 00 0420250821 05 06/01/04 0.0000 0420250821 O 05/01/34 0 9008143 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.8750 367.88 80 6.6250 367.88 MIAMI FL 33190 5 04/30/04 00 0419702352 01 07/01/04 0.0000 0419702352 O 06/01/34 0 9008213 E22/G02 F 215,000.00 ZZ 360 215,000.00 1 5.8750 1271.81 50 5.6250 1271.81 MONTEBELLO CA 90640 2 05/01/04 00 0420824369 05 07/01/04 0.0000 0420824369 O 06/01/34 0 9008251 E22/G02 F 347,000.00 ZZ 360 347,000.00 1 6.2500 2136.54 76 6.0000 2136.54 GERTON NC 28735 5 05/05/04 00 0420742371 05 07/01/04 0.0000 0420742371 O 06/01/34 0 9008289 E22/G02 F 93,500.00 ZZ 360 93,500.00 1 6.5000 590.98 80 6.2500 590.98 LYNCHBURG VA 24502 1 05/10/04 00 0420695181 05 07/01/04 0.0000 0420695181 O 06/01/34 0 9008331 E22/G02 F 26,000.00 ZZ 360 26,000.00 1 7.7500 186.27 75 7.5000 186.27 FORT WAYNE IN 46805 5 05/10/04 00 0420673725 05 07/01/04 0.0000 0420673725 N 06/01/34 0 9008415 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 6.0000 1870.60 42 5.7500 1870.60 NOVATO CA 94949 2 04/28/04 00 0420644866 05 07/01/04 0.0000 0420644866 O 06/01/34 0 9008561 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.0000 971.27 84 5.7500 971.27 UPPER MARLBOROMD 20772 2 05/04/04 10 0420641011 05 07/01/04 12.0000 0420641011 O 06/01/34 0 9008691 E22/G02 F 318,400.00 ZZ 360 318,400.00 1 6.7500 2065.14 80 6.5000 2065.14 WILSONVILLE OR 97070 5 05/03/04 00 0420584997 03 07/01/04 0.0000 0420584997 O 06/01/34 0 9008707 E22/G02 F 69,700.00 ZZ 360 69,635.44 1 6.3750 434.84 85 6.1250 434.84 SPOKANE WA 99207 2 04/29/04 10 0420590499 05 06/01/04 12.0000 0420590499 O 05/01/34 0 9008919 E22/G02 F 176,700.00 ZZ 360 176,700.00 1 6.6250 1131.43 95 6.3750 1131.43 BAYFIELD CO 81122 1 05/10/04 01 0420553729 03 07/01/04 30.0000 0420553729 O 06/01/34 0 9009487 P01/G02 F 102,600.00 ZZ 360 102,600.00 4 7.3750 708.63 90 7.1250 708.63 SCHENECTADY NY 12308 1 05/04/04 10 0437847262 05 07/01/04 25.0000 04001474 N 06/01/34 0 9009543 S27/G02 F 187,800.00 ZZ 360 187,800.00 1 6.7500 1218.07 80 6.5000 1218.07 CARNEGIE PA 15106 1 05/07/04 00 0437836638 03 07/01/04 0.0000 1970001063 O 06/01/34 0 9009571 P01/G02 F 152,550.00 ZZ 360 152,550.00 4 7.3750 1053.62 90 7.1250 1053.62 TROY NY 12180 1 05/04/04 10 0437845209 05 07/01/04 25.0000 04001478 N 06/01/34 0 9009763 L20/G02 F 96,000.00 ZZ 360 95,913.21 1 6.5000 606.79 80 6.2500 606.79 ROY UT 84067 1 04/30/04 00 0437833460 05 06/01/04 0.0000 1061070662 O 05/01/34 0 9009871 Q87/G02 F 158,000.00 TX 360 157,677.03 1 5.8750 934.63 74 5.6250 934.63 MAGNOLIA TX 77355 5 04/22/04 00 0437888449 05 05/27/04 0.0000 KLDA01 O 04/27/34 0 9010085 Q87/G02 F 100,000.00 TX 360 99,909.60 1 6.5000 632.07 55 6.2500 632.07 BRENHAM TX 77833 5 04/30/04 00 0437832090 05 06/05/04 0.0000 RAMA01 O 05/05/34 0 9010281 U05/G02 F 220,000.00 ZZ 360 219,770.31 1 5.7500 1283.86 31 5.5000 1283.86 DANA POINT CA 92629 1 04/21/04 00 0437853948 05 06/01/04 0.0000 3476103 O 05/01/34 0 9010623 H49/G02 F 64,000.00 ZZ 360 63,947.54 1 7.0000 425.79 80 6.7500 425.79 TAYLORS SC 29687 2 04/16/04 00 0437836067 05 06/01/04 0.0000 572220407 N 05/01/34 0 9010801 L49/G02 F 457,500.00 ZZ 360 457,500.00 1 6.0000 2742.95 80 5.7500 2742.95 SAN MARCOS CA 92069 1 05/01/04 00 0437840622 03 07/01/04 0.0000 10017075 O 06/01/34 0 9010847 L49/G02 F 342,800.00 ZZ 360 342,450.49 1 5.8750 2027.80 80 5.6250 2027.80 HIGHLAND CA 92346 1 04/16/04 00 0437834435 03 06/01/04 0.0000 10017400 O 05/01/34 0 9010901 E82/G02 F 89,000.00 ZZ 360 89,000.00 1 6.0000 533.60 93 5.7500 533.60 CHOTEAU MT 59422 2 05/06/04 10 0400977617 05 07/01/04 30.0000 0400977617 O 06/01/34 0 9010981 N74/G02 F 77,000.00 ZZ 360 76,935.31 1 6.8750 505.84 68 6.6250 505.84 WILMINGTON NC 28405 2 05/05/04 00 0437852338 05 06/05/04 0.0000 2200001938 N 05/05/34 0 9010989 L49/G02 F 604,650.00 ZZ 360 604,033.53 1 5.8750 3576.74 80 5.6250 3576.74 SAN CLEMENTE CA 92673 1 04/26/04 00 0437836646 03 06/01/04 0.0000 10018640 O 05/01/34 0 9010993 420/G02 F 360,000.00 ZZ 360 359,641.62 2 6.0000 2158.38 72 5.7500 2158.38 SONOMA CA 95476 5 04/08/04 00 0437833023 05 06/01/04 0.0000 74000501 O 05/01/34 0 9011045 E47/G02 F 101,600.00 ZZ 360 101,498.86 1 6.0000 609.14 80 5.7500 609.14 GREENSBORO NC 27403 1 04/28/04 00 0437835283 05 06/01/04 0.0000 7350511440 O 05/01/34 0 9011491 A46/G02 F 122,400.00 ZZ 360 122,278.15 1 6.0000 733.85 80 5.7500 733.85 ALBUQUERQUE NM 87111 5 04/26/04 00 0437887219 05 06/01/04 0.0000 0459114 O 05/01/34 0 9011683 883/G02 F 275,500.00 ZZ 360 275,256.93 1 6.6250 1764.06 95 6.3750 1764.06 ROCKY FACE GA 30740 1 05/03/04 04 0437836158 05 06/01/04 30.0000 12003176 O 05/01/34 0 9011929 E22/G02 F 63,000.00 ZZ 360 63,000.00 1 7.1250 424.44 75 6.8750 424.44 LEAGUE CITY TX 77573 1 05/11/04 00 0420784795 03 07/01/04 0.0000 0420784795 N 06/01/34 0 9011933 E22/G02 F 74,400.00 ZZ 360 74,400.00 1 6.6250 476.39 80 6.3750 476.39 TOLEDO OH 43612 5 05/11/04 00 0420800088 05 07/01/04 0.0000 0420800088 N 06/01/34 0 9011935 E22/G02 F 41,250.00 ZZ 360 41,250.00 1 6.6250 264.13 75 6.3750 264.13 TOLEDO OH 43609 5 05/11/04 00 0420800120 05 07/01/04 0.0000 0420800120 N 06/01/34 0 9011937 E22/G02 F 52,000.00 ZZ 360 52,000.00 1 6.6250 332.96 80 6.3750 332.96 TOLEDO OH 43608 5 05/11/04 00 0420800146 05 07/01/04 0.0000 0420800146 N 06/01/34 0 9011943 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 7.2500 463.88 80 7.0000 463.88 TROY MI 48084 1 05/11/04 00 0420813560 05 07/01/04 0.0000 0420813560 N 06/01/34 0 9012017 E22/G02 F 502,400.00 ZZ 360 502,400.00 1 6.3750 3134.32 80 6.1250 3134.32 NORTHVILLE MI 48167 5 05/06/04 00 0420667768 05 07/01/04 0.0000 0420667768 O 06/01/34 0 9012109 E22/G02 F 61,900.00 ZZ 360 61,900.00 1 6.2500 381.13 74 6.0000 381.13 FORT WORTH TX 76119 2 05/11/04 00 0420634552 05 07/01/04 0.0000 0420634552 N 06/01/34 0 9012123 E22/G02 F 494,000.00 TX 360 494,000.00 1 6.7500 3204.07 79 6.5000 3204.07 DALLAS TX 75225 5 05/11/04 00 0420545576 05 07/01/04 0.0000 0420545576 O 06/01/34 0 9012135 E22/G02 F 156,000.00 T 360 156,000.00 1 6.2500 960.52 80 6.0000 960.52 BIG BEAR CITY CA 92314 1 05/05/04 00 0420560179 05 07/01/04 0.0000 0420560179 O 06/01/34 0 9012155 E82/G02 F 399,900.00 ZZ 360 399,900.00 1 6.5000 2527.64 85 6.2500 2527.64 FRISCO TX 75034 2 05/06/04 10 0400978516 03 07/01/04 12.0000 0400978516 O 06/01/34 0 9012165 E22/G02 F 61,150.00 ZZ 360 61,150.00 1 6.2500 376.51 69 6.0000 376.51 WATAUGA TX 76148 2 05/11/04 00 0420580003 05 07/01/04 0.0000 0420580003 N 06/01/34 0 9012167 E82/G02 F 152,300.00 ZZ 360 152,300.00 4 6.0000 913.12 77 5.7500 913.12 NORTHFIELD NH 03276 2 05/08/04 00 0400979266 05 07/01/04 0.0000 0400979266 O 06/01/34 0 9012241 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.6250 384.19 63 6.3750 384.19 NEW ORLEANS LA 70117 2 05/11/04 00 0420370298 05 07/01/04 0.0000 0420370298 N 06/01/34 0 9012245 E22/G02 F 138,700.00 ZZ 360 138,700.00 1 6.5000 876.68 90 6.2500 876.68 FERNLEY NV 89408 1 05/04/04 01 0420379729 05 07/01/04 25.0000 0420379729 O 06/01/34 0 9012279 E22/G02 F 148,750.00 ZZ 360 148,750.00 1 5.8750 879.91 70 5.6250 879.91 BEND OR 97701 2 04/30/04 00 0420448235 05 07/01/04 0.0000 0420448235 O 06/01/34 0 9012289 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 5.8750 739.42 37 5.6250 739.42 CHESAPEAKE VA 23320 1 05/11/04 00 0420457426 03 07/01/04 0.0000 0420457426 O 06/01/34 0 9012297 E22/G02 F 60,300.00 ZZ 360 60,300.00 3 7.3750 416.48 90 7.1250 416.48 DETROIT MI 48205 1 05/11/04 10 0420231037 05 07/01/04 25.0000 0420231037 N 06/01/34 0 9012371 U28/G02 F 101,250.00 ZZ 360 101,169.03 1 7.1250 682.14 90 6.8750 682.14 ATLANTA GA 30311 1 04/19/04 10 0437856800 05 06/01/04 25.0000 2000027969 N 05/01/34 0 9012865 H81/G02 F 60,300.00 ZZ 360 60,300.00 1 6.6250 386.11 90 6.3750 386.11 MINONG WI 54859 1 05/05/04 11 0437881592 05 07/01/04 25.0000 WH24957 O 06/01/34 0 9012977 H81/G02 F 188,910.00 ZZ 360 188,755.15 1 7.0000 1256.82 90 6.7500 1256.82 HARTFORD WI 53027 1 04/29/04 10 0437881691 05 06/01/04 25.0000 WH24475 N 05/01/34 0 9013553 Y12/G02 F 72,500.00 ZZ 360 72,427.83 1 6.0000 434.67 35 5.7500 434.67 MOUNT HOLLY NJ 08060 1 04/28/04 00 0437859119 05 06/01/04 0.0000 56877 O 05/01/34 0 9014125 Y12/G02 F 68,000.00 ZZ 360 67,930.67 1 5.8750 402.25 17 5.6250 402.25 PHILADELPHIA PA 19146 2 04/26/04 00 0437895089 07 06/01/04 0.0000 58930 O 05/01/34 0 9015651 N74/G02 F 84,000.00 ZZ 360 83,929.43 1 6.8750 551.82 75 6.6250 551.82 WILMINGTON NC 28405 2 05/05/04 00 0437941404 05 06/05/04 0.0000 2200001939 N 05/05/34 0 9015665 N74/G02 F 77,000.00 ZZ 360 76,935.31 1 6.8750 505.84 68 6.6250 505.84 WILMINGTON NC 28405 2 05/05/04 00 0437855299 05 06/05/04 0.0000 2200001936 N 05/05/34 0 9015895 N74/G02 F 77,000.00 ZZ 360 76,935.31 1 6.8750 505.84 68 6.6250 505.84 WILMINGTON NC 28405 2 05/05/04 00 0437870199 05 06/05/04 0.0000 2200001935 N 05/05/34 0 9015963 N74/G02 F 84,000.00 ZZ 360 83,929.43 1 6.8750 551.82 75 6.6250 551.82 WILMINGTON NC 28405 2 05/05/04 00 0437855471 05 06/05/04 0.0000 2200001937 N 05/05/34 0 9016051 T29/G02 F 103,000.00 ZZ 360 102,899.89 1 6.1250 625.84 75 5.8750 625.84 PEORIA AZ 85344 1 04/26/04 00 0437852718 05 06/01/04 0.0000 001601654 O 05/01/34 0 9016055 U85/G02 F 35,000.00 ZZ 240 35,000.00 1 7.1250 273.99 45 6.8750 273.99 FRANKLIN IN 46131 5 05/10/04 00 0437864986 05 07/01/04 0.0000 TQS26INDY O 06/01/24 0 9016149 758/G02 F 147,550.00 ZZ 360 147,419.82 1 6.6250 944.78 95 6.3750 944.78 SPRING TX 77373 1 04/19/04 11 0437851595 03 06/01/04 30.0000 304021 O 05/01/34 0 9016239 W68/G02 F 123,734.00 TX 360 123,627.46 1 6.7500 802.54 76 6.5000 802.54 AUSTIN TX 78757 5 04/09/04 00 0437857162 05 06/01/04 0.0000 4032578 O 05/01/34 0 9016253 U05/G02 F 245,500.00 ZZ 360 245,278.06 1 6.5000 1551.73 95 6.2500 1551.73 LITTLETON CO 80123 2 04/21/04 14 0437855505 05 06/01/04 30.0000 3476124 O 05/01/34 0 9016295 696/G02 F 199,000.00 ZZ 360 198,815.69 1 6.3750 1241.50 77 6.1250 1241.50 ROUND HILL VA 20141 1 04/26/04 00 0437835333 03 06/01/04 0.0000 24004052 N 05/01/34 0 9017085 E82/G02 F 89,400.00 ZZ 360 89,400.00 2 6.6250 572.44 83 6.3750 572.44 OGDEN UT 84401 2 05/10/04 10 0400973822 05 07/01/04 20.0000 0400973822 N 06/01/34 0 9017087 E82/G02 F 107,700.00 T 360 107,700.00 1 5.8750 637.09 65 5.6250 637.09 CHARLEVOIX MI 49720 2 05/10/04 00 0400976239 05 07/01/04 0.0000 0400976239 O 06/01/34 0 9017145 E82/G02 F 153,000.00 ZZ 360 153,000.00 4 6.8750 1005.10 66 6.6250 1005.10 PATERSON NJ 07501 5 05/07/04 00 0400976312 05 07/01/04 0.0000 0400976312 N 06/01/34 0 9017147 E82/G02 F 67,000.00 ZZ 360 67,000.00 1 6.5000 423.49 87 6.2500 423.49 ALGER MI 48610 2 05/10/04 10 0400977062 05 07/01/04 25.0000 0400977062 O 06/01/34 0 9017299 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.3750 573.96 80 6.1250 573.96 PUEBLO CO 81004 5 05/07/04 00 0420768426 05 07/01/04 0.0000 0420768426 O 06/01/34 0 9017303 E22/G02 F 70,400.00 ZZ 360 70,400.00 1 6.5000 444.98 80 6.2500 444.98 PUEBLO CO 81003 2 05/12/04 00 0420742694 05 07/01/04 0.0000 0420742694 N 06/01/34 0 9017309 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.2500 382.02 80 7.0000 382.02 MCALLEN TX 78501 1 05/06/04 00 0420711558 07 07/01/04 0.0000 0420711558 N 06/01/34 0 9017315 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.3750 711.21 95 6.1250 711.21 SUMMERVILLE SC 29483 2 05/07/04 04 0420716953 05 07/01/04 30.0000 0420716953 O 06/01/34 0 9017317 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.2500 382.02 80 7.0000 382.02 MCALLEN TX 78501 1 05/06/04 00 0420725467 07 07/01/04 0.0000 0420725467 N 06/01/34 0 9017319 E22/G02 F 75,905.00 ZZ 360 75,905.00 1 6.3750 473.55 95 6.1250 473.55 SPRINGFIELD MO 65803 1 05/12/04 01 0420725814 05 07/01/04 30.0000 0420725814 O 06/01/34 0 9017325 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.2500 382.02 80 7.0000 382.02 MCALLEN TX 78501 1 05/06/04 00 0420730533 07 07/01/04 0.0000 0420730533 N 06/01/34 0 9017327 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.2500 382.02 80 7.0000 382.02 MCALLEN TX 78501 1 05/06/04 00 0420730624 07 07/01/04 0.0000 0420730624 N 06/01/34 0 9017357 E22/G02 F 87,443.00 TX 360 87,443.00 1 6.6250 559.91 59 6.3750 559.91 THE WOODLANDS TX 77380 5 05/07/04 00 0420685778 03 07/01/04 0.0000 0420685778 O 06/01/34 0 9017481 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.5000 606.79 80 6.2500 606.79 DEBARY FL 32713 1 05/12/04 00 0420621195 05 07/01/04 0.0000 0420621195 N 06/01/34 0 9017487 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.5000 581.50 80 6.2500 581.50 TELFORD PA 18969 1 05/12/04 00 0420624561 09 07/01/04 0.0000 0420624561 N 06/01/34 0 9017575 E22/G02 F 227,250.00 ZZ 360 227,250.00 1 6.7500 1473.94 90 6.5000 1473.94 CRESTED BUTTE CO 81224 1 05/12/04 01 0420532848 01 07/01/04 25.0000 0420532848 O 06/01/34 0 9017587 E22/G02 F 56,700.00 ZZ 360 56,700.00 1 6.6250 363.06 90 6.3750 363.06 ALEXANDER CITYAL 35010 5 05/07/04 10 0420549420 05 07/01/04 25.0000 0420549420 O 06/01/34 0 9017597 E22/G02 F 370,400.00 ZZ 360 370,400.00 1 6.2500 2280.62 80 6.0000 2280.62 WOBURN MA 01801 5 05/07/04 00 0420561227 05 07/01/04 0.0000 0420561227 O 06/01/34 0 9017603 E22/G02 F 336,000.00 ZZ 360 336,000.00 1 6.6250 2151.44 80 6.3750 2151.44 HOUSTON TX 77042 5 05/07/04 00 0420568099 03 07/01/04 0.0000 0420568099 O 06/01/34 0 9017643 E22/G02 F 24,300.00 ZZ 360 24,300.00 1 7.2500 165.77 90 7.0000 165.77 ROANOKE VA 24017 1 05/12/04 01 0420527046 05 07/01/04 25.0000 0420527046 O 06/01/34 0 9017657 E22/G02 F 103,700.00 ZZ 360 103,700.00 1 6.2500 638.50 74 6.0000 638.50 GRAIN VALLEY MO 64029 2 05/07/04 00 0420471526 03 07/01/04 0.0000 0420471526 O 06/01/34 0 9017667 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 5.8750 798.58 56 5.6250 798.58 MILFORD CT 06460 5 05/07/04 00 0420491672 29 07/01/04 0.0000 0420491672 O 06/01/34 0 9017687 E22/G02 F 63,450.00 ZZ 360 63,450.00 3 8.0000 465.57 90 7.7500 465.57 SANDUSKY OH 44870 1 05/12/04 01 0420518698 05 07/01/04 25.0000 0420518698 N 06/01/34 0 9017825 E22/G02 F 104,500.00 ZZ 360 104,500.00 1 5.8750 618.16 89 5.6250 618.16 BUDA TX 78610 2 05/07/04 10 0420407546 05 07/01/04 25.0000 0420407546 O 06/01/34 0 9017833 E22/G02 F 594,100.00 ZZ 360 594,100.00 1 6.0000 3561.93 74 5.7500 3561.93 CARMICHAEL CA 95608 2 05/07/04 00 0420419095 05 07/01/04 0.0000 0420419095 O 06/01/34 0 9017919 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.5000 1023.95 90 6.2500 1023.95 BAKERSFIELD CA 93309 5 05/06/04 10 0420370579 05 07/01/04 25.0000 0420370579 O 06/01/34 0 9018019 E22/G02 F 440,000.00 ZZ 360 439,572.34 1 6.1250 2673.49 76 5.8750 2673.49 CHICO CA 95973 5 04/24/04 00 0419998935 05 06/01/04 0.0000 0419998935 O 05/01/34 0 9018887 S27/G02 F 83,200.00 ZZ 360 83,200.00 1 7.0000 553.54 80 6.7500 553.54 GREENSBORO NC 27405 2 05/10/04 00 0437859416 05 07/01/04 0.0000 1900009088 N 06/01/34 0 9018945 S27/G02 F 83,200.00 ZZ 360 83,200.00 1 7.0000 553.54 80 6.7500 553.54 GREENSBORO NC 27405 2 05/10/04 00 0437859176 05 07/01/04 0.0000 1900009089 N 06/01/34 0 9019139 Q14/G02 F 160,515.00 ZZ 360 160,515.00 4 6.8750 1054.47 90 6.6250 1054.47 OVERLAND PARK KS 66214 1 05/10/04 01 0437851041 03 07/01/04 25.0000 00000047020W N 06/01/34 0 9019479 U05/G02 F 160,000.00 ZZ 360 159,855.36 1 6.5000 1011.31 80 6.2500 1011.31 VAN NUYS CA 91411 5 04/22/04 00 0437864861 01 06/01/04 0.0000 3000626070 O 05/01/34 0 9019563 U85/G02 F 37,350.00 ZZ 360 37,322.78 1 7.5900 263.46 39 7.3400 263.46 RACINE WI 53405 5 05/12/04 00 0437836489 05 06/17/04 0.0000 TQSWAUK64 O 05/17/34 0 9019567 N16/G02 F 275,000.00 ZZ 360 274,739.07 1 6.2500 1693.22 79 6.0000 1693.22 TUSTIN CA 92780 1 05/03/04 00 0437893894 09 06/13/04 0.0000 557674961 O 05/13/34 0 9019603 S27/G02 F 72,000.00 ZZ 360 72,000.00 1 7.5000 503.44 90 7.2500 503.44 PORTSMOUTH VA 23704 1 05/11/04 01 0437895204 05 07/01/04 25.0000 1130018964 N 06/01/34 0 9019607 Q87/G02 F 55,000.00 ZZ 240 54,880.96 1 6.0000 394.04 38 5.7500 394.04 WILLS POINT TX 75169 5 04/28/04 00 0437853211 05 06/04/04 0.0000 RADO01 O 05/04/24 0 9019681 Q87/G02 F 92,000.00 ZZ 360 91,916.83 1 6.5000 581.50 80 6.2500 581.50 ROCK PORT MO 64482 5 05/04/04 00 0437853708 05 06/10/04 0.0000 EAJI02 O 05/10/34 0 9021363 N47/G02 F 166,500.00 ZZ 360 166,500.00 4 6.7500 1079.92 90 6.5000 1079.92 FRESNO CA 93703 1 05/03/04 10 0437895410 05 07/01/04 25.0000 20518915 N 06/01/34 0 9021417 950/G02 F 105,450.00 ZZ 360 105,361.41 1 6.8750 692.73 69 6.6250 692.73 TACOMA WA 98407 5 04/20/04 00 0437890353 05 06/01/04 0.0000 ES43084 N 05/01/34 0 9021733 E82/G02 F 206,000.00 ZZ 360 206,000.00 4 6.3750 1285.17 69 6.1250 1285.17 BROOKLYN NY 11212 2 05/10/04 00 0400960845 05 07/01/04 0.0000 0400960845 O 06/01/34 0 9021785 E22/G02 F 131,250.00 ZZ 360 131,250.00 1 6.6250 840.41 75 6.3750 840.41 SNELLVILLE GA 30039 1 05/13/04 00 0420839755 05 07/01/04 0.0000 0420839755 N 06/01/34 0 9021801 E22/G02 F 261,000.00 ZZ 360 261,000.00 1 6.5000 1649.70 39 6.2500 1649.70 FAIRFIELD CA 94534 1 05/11/04 00 0420747412 05 07/01/04 0.0000 0420747412 N 06/01/34 0 9021863 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 5.7500 583.57 33 5.5000 583.57 RANCHO MURIETACA 95683 1 05/11/04 00 0420804387 03 07/01/04 0.0000 0420804387 O 06/01/34 0 9021869 E22/G02 F 103,200.00 ZZ 360 103,200.00 1 6.5000 652.29 80 6.2500 652.29 ASHEVILLE NC 28806 1 05/13/04 00 0420832271 05 07/01/04 0.0000 0420832271 N 06/01/34 0 9021875 E22/G02 F 52,500.00 ZZ 360 52,500.00 1 6.8750 344.89 75 6.6250 344.89 PLEASANTVILLE NJ 08232 1 05/13/04 00 0420708109 05 07/01/04 0.0000 0420708109 N 06/01/34 0 9021893 E22/G02 F 209,700.00 ZZ 360 209,700.00 1 7.5000 1466.25 90 7.2500 1466.25 HENDERSON NV 89074 1 05/03/04 01 0420722282 03 07/01/04 25.0000 0420722282 N 06/01/34 0 9021905 E22/G02 F 56,800.00 ZZ 360 56,800.00 1 6.5000 359.01 80 6.2500 359.01 PORTSMOUTH VA 23707 1 05/13/04 00 0420725624 05 07/01/04 0.0000 0420725624 N 06/01/34 0 9021917 E22/G02 F 134,400.00 ZZ 360 134,400.00 4 6.3750 838.48 80 6.1250 838.48 COLLEGE STATIOTX 77840 1 05/13/04 00 0420732331 05 07/01/04 0.0000 0420732331 N 06/01/34 0 9022025 E22/G02 F 58,000.00 ZZ 360 58,000.00 1 6.5000 366.60 80 6.2500 366.60 DELTONA FL 32738 1 05/13/04 00 0420700817 05 07/01/04 0.0000 0420700817 N 06/01/34 0 9022041 E22/G02 F 85,200.00 ZZ 360 85,200.00 2 6.8750 559.70 80 6.6250 559.70 SPOKANE WA 99217 1 05/06/04 00 0420612715 05 07/01/04 0.0000 0420612715 N 06/01/34 0 9022055 E22/G02 F 128,820.00 ZZ 360 128,820.00 1 7.0000 857.04 95 6.7500 857.04 ATLANTA GA 30316 1 05/13/04 10 0420633588 05 07/01/04 30.0000 0420633588 O 06/01/34 0 9022057 E22/G02 F 111,500.00 ZZ 360 111,500.00 4 6.3750 695.61 76 6.1250 695.61 KALAMAZOO MI 49004 2 05/13/04 00 0420634099 05 07/01/04 0.0000 0420634099 N 06/01/34 0 9022761 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.1250 874.96 80 5.8750 874.96 BAKERSFIELD CA 93311 5 05/05/04 00 0420597403 05 07/01/04 0.0000 0420597403 O 06/01/34 0 9022909 E22/G02 F 94,000.00 ZZ 360 94,000.00 1 6.5000 594.14 80 6.2500 594.14 HOUSTON TX 77083 5 05/13/04 00 0420376246 03 07/01/04 0.0000 0420376246 N 06/01/34 0 9022947 E22/G02 F 187,500.00 ZZ 360 187,500.00 1 6.3750 1169.76 75 6.1250 1169.76 CHESAPEAKE VA 23322 5 05/13/04 00 0420303752 05 07/01/04 0.0000 0420303752 N 06/01/34 0 9022963 E22/G02 F 95,000.00 ZZ 360 95,000.00 1 6.3750 592.68 85 6.1250 592.68 LAKE WORTH FL 33461 1 05/13/04 10 0420045163 05 07/01/04 20.0000 0420045163 N 06/01/34 0 9023609 K15/G02 F 103,500.00 ZZ 360 103,500.00 1 6.7500 671.30 90 6.5000 671.30 AUGUSTA GA 30906 5 05/05/04 41 0437892110 05 07/01/04 25.0000 007905532000 O 06/01/34 0 9023761 Q30/G02 F 70,000.00 ZZ 360 69,939.73 1 6.7500 454.02 70 6.5000 454.02 DANBURY CT 06811 1 04/13/04 00 0437869050 01 06/01/04 0.0000 32017024 N 05/01/34 0 9023785 Q14/G02 F 204,750.00 ZZ 360 204,750.00 1 6.1250 1244.08 98 5.8750 1244.08 TUCSON AZ 85746 1 05/07/04 01 0437854987 05 07/01/04 35.0000 0000418746 O 06/01/34 0 9023881 H49/G02 F 99,000.00 ZZ 360 98,916.83 1 6.8750 650.36 90 6.6250 650.36 RINCON GA 31326 1 04/29/04 11 0437869092 05 06/01/04 25.0000 566602 N 05/01/34 0 9023923 T06/G02 F 162,450.00 ZZ 360 162,450.00 1 7.0300 1084.06 90 6.7800 1084.06 HAM LAKE MN 55304 1 05/03/04 01 0437900079 05 07/01/04 25.0000 85029 N 06/01/34 0 9024005 X78/G02 F 258,000.00 ZZ 360 258,000.00 3 6.8750 1694.88 60 6.6250 1694.88 ATLANTA GA 30309 5 05/10/04 00 0437863566 05 07/01/04 0.0000 990961 O 06/01/34 0 9024007 225/G02 F 381,900.00 ZZ 360 381,491.73 1 5.6250 2198.43 95 5.3750 2198.43 PHILADELPHIA PA 19123 1 04/15/04 11 0437843329 05 06/01/04 30.0000 006973236 O 05/01/34 0 9024063 S43/G02 F 132,300.00 ZZ 360 132,300.00 4 6.5000 836.23 90 6.2500 836.23 ALBUQUERQUE NM 87106 1 05/12/04 04 0437860554 05 07/01/04 25.0000 181040017100 N 06/01/34 0 9024345 225/G02 F 372,000.00 ZZ 360 371,611.61 1 5.7500 2170.89 80 5.5000 2170.89 VERO BEACH FL 32963 1 04/26/04 00 0437843691 03 06/01/04 0.0000 006981385 O 05/01/34 0 9024367 225/G02 F 490,500.00 ZZ 360 489,987.88 2 5.7500 2862.43 90 5.5000 2862.43 NORWALK CT 06850 1 04/28/04 10 0437843741 05 06/01/04 25.0000 007534680 O 05/01/34 0 9024403 225/G02 F 450,000.00 ZZ 360 449,552.02 2 6.0000 2697.98 57 5.7500 2697.98 RYE NY 10580 5 04/22/04 00 0437843667 05 06/01/04 0.0000 006311985 O 05/01/34 0 9024405 225/G02 F 420,000.00 ZZ 360 419,571.79 1 5.8750 2484.46 66 5.6250 2484.46 WAXHAW NC 28173 1 04/22/04 00 0437843642 03 06/01/04 0.0000 006312007 O 05/01/34 0 9024409 225/G02 F 874,900.00 ZZ 360 873,111.64 1 5.8750 5175.36 65 5.6250 5175.36 RICHMOND VA 23220 4 03/17/04 00 0437874753 05 05/01/04 0.0000 006552581 O 04/01/34 0 9024413 225/G02 F 365,500.00 ZZ 360 364,428.71 1 6.1250 2220.82 68 5.8750 2220.82 MCDONOUGH GA 30252 4 02/06/04 00 0437843758 05 04/01/04 0.0000 006858307 O 03/01/34 0 9024415 225/G02 F 476,000.00 ZZ 360 475,072.34 1 6.1250 2892.23 80 5.8750 2892.23 EASTCHESTER NY 10583 1 03/30/04 00 0437843857 05 05/01/04 0.0000 006955145 O 04/01/34 0 9024419 225/G02 F 480,000.00 ZZ 360 478,971.29 1 5.6250 2763.15 76 5.3750 2763.15 GAINSVILLE VA 20155 5 03/17/04 00 0437842602 05 05/01/04 0.0000 006962713 O 04/01/34 0 9024421 225/G02 F 487,500.00 ZZ 360 487,037.44 1 6.2500 3001.62 75 6.0000 3001.62 VIENNA VA 22182 1 04/26/04 00 0437843444 03 06/01/04 0.0000 006962877 O 05/01/34 0 9024425 225/G02 F 443,600.00 ZZ 360 443,136.85 1 5.7500 2588.73 80 5.5000 2588.73 ARLINGTON VA 22205 1 04/21/04 00 0437843485 05 06/01/04 0.0000 006963201 O 05/01/34 0 9024427 225/G02 F 500,000.00 ZZ 360 498,499.27 1 6.0000 2997.75 77 5.7500 2997.75 WASHINGTON DC 20016 1 02/26/04 00 0437843907 05 04/01/04 0.0000 006965748 O 03/01/34 0 9024431 225/G02 F 662,000.00 ZZ 360 661,356.58 1 6.1250 4022.38 69 5.8750 4022.38 GAINESVILLE FL 32653 2 04/20/04 00 0437842867 05 06/01/04 0.0000 006966389 O 05/01/34 0 9024433 225/G02 F 415,200.00 ZZ 360 414,410.02 1 6.2500 2556.46 80 6.0000 2556.46 HIGHLAND MILLSNY 10930 1 03/29/04 00 0437843931 05 05/01/04 0.0000 006966434 O 04/01/34 0 9024435 225/G02 F 371,625.00 T 360 370,934.77 1 6.3750 2318.46 75 6.1250 2318.46 KITTY HAWK NC 27949 1 03/08/04 00 0437842305 05 05/01/04 0.0000 006967899 O 04/01/34 0 9024437 225/G02 F 352,000.00 ZZ 360 351,280.49 1 5.8750 2082.21 80 5.6250 2082.21 STAMFORD CT 06906 1 03/24/04 00 0437842248 01 05/01/04 0.0000 006968185 O 04/01/34 0 9024441 225/G02 F 460,000.00 ZZ 360 459,563.53 1 6.2500 2832.30 80 6.0000 2832.30 PAWLING NY 12564 1 04/23/04 00 0437842727 05 06/01/04 0.0000 006969974 O 05/01/34 0 9024449 225/G02 F 384,000.00 ZZ 360 383,608.49 1 5.8750 2271.51 37 5.6250 2271.51 BALTIMORE MD 21202 5 04/07/04 00 0437843568 01 06/01/04 0.0000 006971525 O 05/01/34 0 9024451 225/G02 F 394,400.00 ZZ 360 393,988.22 1 5.7500 2301.61 80 5.5000 2301.61 BOWIE MD 20715 5 04/08/04 00 0437843527 03 06/01/04 0.0000 006973313 O 05/01/34 0 9024455 225/G02 F 426,400.00 ZZ 360 425,933.28 1 5.5000 2421.05 80 5.2500 2421.05 LAKELAND FL 33813 5 04/05/04 00 0437843782 03 06/01/04 0.0000 006974453 O 05/01/34 0 9024459 225/G02 F 427,000.00 ZZ 360 426,564.65 1 5.8750 2525.87 72 5.6250 2525.87 CLIFTON VA 20124 5 04/20/04 00 0437842586 03 06/01/04 0.0000 006974490 O 05/01/34 0 9024461 225/G02 F 525,000.00 ZZ 360 524,464.74 1 5.8750 3105.57 75 5.6250 3105.57 GREAT FALLS VA 22066 5 04/13/04 00 0437843006 03 06/01/04 0.0000 006975947 O 05/01/34 0 9024467 225/G02 F 368,000.00 ZZ 360 367,597.21 1 5.5000 2089.46 80 5.2500 2089.46 SANDSTON VA 23150 5 04/22/04 00 0437842461 05 06/01/04 0.0000 006976520 O 05/01/34 0 9024471 225/G02 F 359,400.00 ZZ 360 358,346.67 1 6.1250 2183.76 80 5.8750 2183.76 PALM BEACH GARFL 33418 1 02/20/04 00 0437843477 03 04/01/04 0.0000 007521926 O 03/01/34 0 9024475 225/G02 F 468,000.00 ZZ 360 466,419.68 1 5.3750 2620.67 74 5.1250 2620.67 LARKSPUR CO 80118 5 02/18/04 00 0437844608 05 04/01/04 0.0000 007522448 O 03/01/34 0 9024479 225/G02 F 70,000.00 ZZ 360 69,928.63 1 5.8750 414.08 75 5.6250 414.08 COLUMBUS GA 31909 5 04/02/04 00 0437843980 05 06/01/04 0.0000 007529043 O 05/01/34 0 9024481 225/G02 F 393,000.00 ZZ 360 392,234.11 1 6.1250 2387.91 80 5.8750 2387.91 CHINO HILLS CA 91709 5 03/19/04 00 0437842859 05 05/01/04 0.0000 007529148 O 04/01/34 0 9024485 225/G02 F 138,400.00 ZZ 360 138,255.50 1 5.7500 807.67 80 5.5000 807.67 TUCKER GA 30084 2 04/05/04 00 0437842941 05 06/01/04 0.0000 007533672 O 05/01/34 0 9024487 225/G02 F 344,000.00 ZZ 360 343,245.22 1 5.5000 1953.20 80 5.2500 1953.20 BENTONVILLE AR 72712 5 03/26/04 00 0437842677 05 05/01/04 0.0000 007533863 O 04/01/34 0 9024491 225/G02 F 135,920.00 ZZ 360 135,694.44 1 6.1250 825.87 80 5.8750 825.87 LAKE WORTH FL 33460 1 04/16/04 00 0437842958 05 06/01/04 0.0000 007536743 O 05/01/34 0 9024495 225/G02 F 500,000.00 T 360 498,131.01 1 6.5000 3160.34 39 6.2500 3160.34 BETHANY BEACH DE 19930 1 01/17/04 00 0437842172 05 03/01/04 0.0000 008883634 O 02/01/34 0 9026015 E82/G02 F 270,000.00 ZZ 360 270,000.00 1 6.0000 1618.79 84 5.7500 1618.79 RIO VISTA CA 94571 5 05/13/04 04 0400966214 05 07/01/04 12.0000 0400966214 O 06/01/34 0 9026367 E22/G02 F 206,100.00 ZZ 360 206,100.00 1 6.8750 1353.93 90 6.6250 1353.93 CHEYENNE WY 82009 1 05/14/04 01 0420866196 05 07/01/04 30.0000 0420866196 O 06/01/34 0 9026437 E22/G02 F 62,820.00 ZZ 360 62,820.00 1 7.2500 428.54 90 7.0000 428.54 MEMPHIS TN 38133 1 05/14/04 01 0420855389 05 07/01/04 30.0000 0420855389 O 06/01/34 0 9026479 E22/G02 F 161,500.00 ZZ 360 161,500.00 1 6.5000 1020.79 85 6.2500 1020.79 BRICK NJ 08723 1 05/14/04 10 0420805087 05 07/01/04 12.0000 0420805087 O 06/01/34 0 9026497 E22/G02 F 153,600.00 ZZ 360 153,600.00 1 6.3750 958.26 80 6.1250 958.26 COLUMBUS OH 43213 5 05/10/04 00 0420810459 05 07/01/04 0.0000 0420810459 O 06/01/34 0 9026639 E22/G02 F 286,000.00 ZZ 360 286,000.00 1 6.8750 1878.82 73 6.6250 1878.82 BARNEGAT TOWNSNJ 08005 2 05/10/04 00 0420782435 05 07/01/04 0.0000 0420782435 O 06/01/34 0 9026651 E22/G02 F 103,500.00 ZZ 360 103,500.00 1 6.8750 679.92 90 6.6250 679.92 PORT SAINT LUCFL 34952 1 05/14/04 10 0420788416 05 07/01/04 25.0000 0420788416 N 06/01/34 0 9026841 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.8750 709.48 90 6.6250 709.48 COLLEGE STATIOTX 77840 1 05/14/04 10 0420767980 05 07/01/04 25.0000 0420767980 N 06/01/34 0 9026843 E22/G02 F 136,429.00 ZZ 360 136,429.00 1 6.6250 873.57 95 6.3750 873.57 NASHVILLE TN 37217 1 05/14/04 10 0420768459 05 07/01/04 30.0000 0420768459 O 06/01/34 0 9026903 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.2500 788.12 80 6.0000 788.12 CINCINNATI OH 45243 1 05/14/04 00 0420727372 05 07/01/04 0.0000 0420727372 N 06/01/34 0 9027051 E22/G02 F 114,400.00 ZZ 240 114,400.00 1 6.5000 852.94 88 6.2500 852.94 KATY TX 77449 2 05/10/04 01 0420689929 03 07/01/04 25.0000 0420689929 O 06/01/24 0 9027129 E22/G02 F 67,500.00 ZZ 360 67,500.00 2 7.6250 477.76 75 7.3750 477.76 SPOKANE WA 99201 5 05/12/04 00 0420706251 05 07/01/04 0.0000 0420706251 N 06/01/34 0 9027143 E22/G02 F 71,700.00 ZZ 360 71,700.00 1 6.5000 453.19 80 6.2500 453.19 MONROE NC 28110 2 05/14/04 00 0420706574 05 07/01/04 0.0000 0420706574 N 06/01/34 0 9027248 286/286 F 229,500.00 ZZ 360 228,382.33 4 7.1250 1546.19 90 6.5210 1546.19 STOCKBRIDGE GA 30281 1 11/21/03 41 2921039 05 01/01/04 25.0000 2921039 N 12/01/33 0 9027253 E22/G02 F 33,750.00 ZZ 360 33,750.00 1 7.6250 238.88 75 7.3750 238.88 INDIANAPOLIS IN 46201 5 05/14/04 00 0420676439 05 07/01/04 0.0000 0420676439 N 06/01/34 0 9027283 E22/G02 F 76,900.00 ZZ 360 76,900.00 1 6.6250 492.40 100 6.3750 492.40 ROCKMART GA 30153 1 05/14/04 10 0420686123 05 07/01/04 35.0000 0420686123 O 06/01/34 0 9027381 E22/G02 F 430,000.00 ZZ 360 430,000.00 1 6.8750 2824.79 70 6.6250 2824.79 CAROLINA BEACHNC 28428 2 05/14/04 00 0420637431 07 07/01/04 0.0000 0420637431 N 06/01/34 0 9027383 E22/G02 F 107,900.00 ZZ 360 107,900.00 1 5.8750 638.27 52 5.6250 638.27 LOVELAND CO 80538 1 05/14/04 00 0420637803 03 07/01/04 0.0000 0420637803 O 06/01/34 0 9027389 E22/G02 F 430,000.00 ZZ 360 430,000.00 1 6.8750 2824.79 70 6.6250 2824.79 CAROLINA BEACHNC 28428 2 05/14/04 00 0420639015 07 07/01/04 0.0000 0420639015 N 06/01/34 0 9027405 S43/G02 F 180,000.00 T 360 180,000.00 1 6.8750 1182.47 80 6.6250 1182.47 ANGEL FIRE NM 87710 1 05/13/04 00 0437879000 05 07/01/04 0.0000 181040057800 O 06/01/34 0 9027407 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.0000 372.57 87 6.7500 372.57 OMAHA NE 68105 1 05/14/04 04 0420645046 05 07/01/04 25.0000 0420645046 N 06/01/34 0 9027457 U05/G02 F 125,000.00 TX 360 125,000.00 1 5.7500 729.47 78 5.5000 729.47 CEDAR PARK TX 78613 5 05/05/04 00 0437883861 03 07/01/04 0.0000 3000620076 O 06/01/34 0 9027511 E22/G02 F 284,000.00 ZZ 360 284,000.00 1 6.5000 1795.07 80 6.2500 1795.07 ANTELOPE CA 95843 2 05/04/04 00 0420604464 05 07/01/04 0.0000 0420604464 N 06/01/34 0 9027571 E22/G02 F 270,000.00 ZZ 360 270,000.00 1 7.2500 1841.88 88 7.0000 1841.88 JAMAICA NY 11436 5 05/10/04 04 0420553802 05 07/01/04 25.0000 0420553802 O 06/01/34 0 9027637 U05/G02 F 81,600.00 TX 360 81,600.00 1 6.3750 509.08 80 6.1250 509.08 WEBSTER TX 77598 5 05/04/04 00 0437890437 03 07/01/04 0.0000 3000624973 O 06/01/34 0 9027681 E22/G02 F 287,000.00 ZZ 360 287,000.00 1 5.8750 1697.71 89 5.6250 1697.71 HAMPTON VA 23669 5 05/10/04 04 0420519456 05 07/01/04 25.0000 0420519456 O 06/01/34 0 9027693 E22/G02 F 70,000.00 ZZ 360 70,000.00 2 6.2500 431.00 50 6.0000 431.00 HAYDEN ID 83835 5 05/11/04 00 0420534851 05 07/01/04 0.0000 0420534851 N 06/01/34 0 9027781 E22/G02 F 67,950.00 ZZ 360 67,950.00 1 7.2500 463.54 90 7.0000 463.54 BAKERSFIELD CA 93308 5 05/06/04 10 0420478968 05 07/01/04 25.0000 0420478968 O 06/01/34 0 9027927 E22/G02 F 137,500.00 ZZ 360 137,500.00 1 6.1250 835.46 94 5.8750 835.46 NORTH CHARLESTSC 29405 2 05/14/04 04 0419838115 05 07/01/04 30.0000 0419838115 O 06/01/34 0 9027937 E22/G02 F 156,600.00 ZZ 360 156,600.00 4 6.6250 1002.73 90 6.3750 1002.73 PUEBLO CO 81004 1 05/10/04 01 0420039000 05 07/01/04 25.0000 0420039000 N 06/01/34 0 9027965 Q14/G02 F 57,500.00 ZZ 360 57,500.00 1 6.1250 349.38 77 5.8750 349.38 FAIRFIELD IA 52556 2 05/11/04 00 0437884422 05 07/01/04 0.0000 00004-19071 N 06/01/34 0 9028161 Y40/G02 F 275,500.00 ZZ 360 275,500.00 1 6.8750 1809.84 95 6.6250 1809.84 ROSWELL GA 30076 1 05/14/04 01 0437889520 03 07/01/04 30.0000 51111480 O 06/01/34 0 9028369 N74/G02 F 72,200.00 ZZ 360 72,200.00 1 6.5000 456.35 95 6.2500 456.35 MANTI UT 84642 5 05/07/04 10 0437880115 05 07/01/04 30.0000 0034613010 O 06/01/34 0 9028516 286/286 F 41,300.00 ZZ 360 41,094.09 2 7.3750 285.25 90 6.2120 285.25 DETROIT MI 48210 1 11/25/03 10 2908997 05 01/01/04 25.0000 2908997 N 12/01/33 0 9028599 A19/G02 F 207,100.00 ZZ 360 207,100.00 1 6.8750 1360.50 95 6.6250 1360.50 LYNN MA 01902 1 05/17/04 04 0437879968 05 07/01/04 30.0000 866663 O 06/01/34 0 9029407 E82/G02 F 79,100.00 ZZ 360 79,100.00 1 5.8750 467.91 78 5.6250 467.91 LAKE WALES FL 33859 2 05/14/04 00 0400975678 05 07/01/04 0.0000 0400975678 O 06/01/34 0 9029423 E82/G02 F 91,400.00 ZZ 360 91,400.00 1 6.0000 547.99 67 5.7500 547.99 TULARE CA 93274 2 05/12/04 00 0400981767 05 07/01/04 0.0000 0400981767 O 06/01/34 0 9029443 E82/G02 F 149,350.00 ZZ 360 149,350.00 1 6.2500 919.57 80 6.0000 919.57 MARTINSVILLE IN 46151 2 05/14/04 00 0400979613 05 07/01/04 0.0000 0400979613 O 06/01/34 0 9029447 E82/G02 F 90,300.00 ZZ 360 90,300.00 1 6.7500 585.68 66 6.5000 585.68 SAINT PETERSBUFL 33713 2 05/12/04 00 0400982955 05 07/01/04 0.0000 0400982955 O 06/01/34 0 9029453 E82/G02 F 120,000.00 ZZ 360 120,000.00 1 5.8750 709.85 80 5.6250 709.85 LEESVILLE LA 71446 5 05/11/04 00 0400974358 05 07/01/04 0.0000 0400974358 O 06/01/34 0 9029625 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.5000 632.07 80 6.2500 632.07 CINCINNATI OH 45211 5 05/12/04 00 0420791501 05 07/01/04 0.0000 0420791501 O 06/01/34 0 9029735 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 6.5000 404.52 80 6.2500 404.52 PUEBLO CO 81004 2 05/17/04 00 0420777245 05 07/01/04 0.0000 0420777245 N 06/01/34 0 9029753 E22/G02 F 119,900.00 ZZ 360 119,900.00 1 6.8750 787.66 75 6.6250 787.66 KENNEWICK WA 99337 1 05/13/04 00 0420719445 05 07/01/04 0.0000 0420719445 N 06/01/34 0 9029781 E22/G02 F 206,000.00 ZZ 240 206,000.00 1 6.5000 1535.88 75 6.2500 1535.88 WOODVILLE TX 75979 5 05/12/04 00 0420732539 05 07/01/04 0.0000 0420732539 O 06/01/24 0 9029845 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.5000 733.20 79 6.2500 733.20 PUEBLO CO 81008 2 05/17/04 00 0420694408 05 07/01/04 0.0000 0420694408 N 06/01/34 0 9029893 E22/G02 F 287,300.00 ZZ 360 287,300.00 1 6.2500 1768.96 85 6.0000 1768.96 ELBERT CO 80106 5 05/11/04 01 0420677155 05 07/01/04 12.0000 0420677155 O 06/01/34 0 9029919 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 6.6250 736.36 74 6.3750 736.36 LEXINGTON MI 48450 5 05/11/04 00 0420634347 05 07/01/04 0.0000 0420634347 O 06/01/34 0 9029951 E22/G02 F 70,200.00 ZZ 360 70,200.00 4 6.8750 461.16 65 6.6250 461.16 SAN ANTONIO TX 78247 5 05/17/04 00 0420659898 05 07/01/04 0.0000 0420659898 N 06/01/34 0 9029973 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.2500 1280.69 76 6.0000 1280.69 MILTON DE 19968 5 05/12/04 00 0420612897 03 07/01/04 0.0000 0420612897 O 06/01/34 0 9029979 E22/G02 F 300,000.00 TX 360 300,000.00 1 6.6250 1920.93 80 6.3750 1920.93 DESOTO TX 75115 5 05/11/04 00 0420623035 03 07/01/04 0.0000 0420623035 O 06/01/34 0 9030015 E22/G02 F 93,400.00 TX 360 93,400.00 1 6.2500 575.08 80 6.0000 575.08 GARLAND TX 75043 5 05/12/04 00 0420567646 05 07/01/04 0.0000 0420567646 O 06/01/34 0 9030019 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.3750 1746.84 80 6.1250 1746.84 MANHATTAN MT 59741 5 05/06/04 00 0420574022 05 07/01/04 0.0000 0420574022 O 06/01/34 0 9030045 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 6.6250 480.23 75 6.3750 480.23 YORK PA 17404 1 05/17/04 00 0420508277 05 07/01/04 0.0000 0420508277 N 06/01/34 0 9030071 E22/G02 F 93,750.00 ZZ 360 93,750.00 4 6.2500 577.23 75 6.0000 577.23 ALBUQUERQUE NM 87107 2 05/14/04 00 0420525271 05 07/01/04 0.0000 0420525271 N 06/01/34 0 9030073 E22/G02 F 581,250.00 ZZ 360 581,250.00 1 5.8750 3438.31 75 5.6250 3438.31 HOUSTON TX 77005 5 05/12/04 00 0420528002 05 07/01/04 0.0000 0420528002 O 06/01/34 0 9030127 E22/G02 F 158,800.00 ZZ 360 158,800.00 1 6.5000 1003.72 80 6.2500 1003.72 WOODLAND CA 95695 5 05/11/04 00 0420534364 05 07/01/04 0.0000 0420534364 N 06/01/34 0 9030291 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 5.8750 2366.15 79 5.6250 2366.15 GLENDORA CA 91741 5 05/11/04 00 0420480683 05 07/01/04 0.0000 0420480683 O 06/01/34 0 9030293 E22/G02 F 176,685.00 ZZ 360 176,685.00 4 5.8750 1045.16 90 5.6250 1045.16 TACOMA WA 98408 2 05/10/04 01 0420490005 05 07/01/04 25.0000 0420490005 N 06/01/34 0 9030423 E22/G02 F 84,600.00 ZZ 360 84,600.00 1 6.6250 541.70 85 6.3750 541.70 DALLAS TX 75249 2 05/17/04 01 0420435570 05 07/01/04 20.0000 0420435570 N 06/01/34 0 9030437 E22/G02 F 128,750.00 ZZ 360 128,750.00 1 6.3750 803.23 80 6.1250 803.23 FLOWER MOUND TX 75028 5 05/11/04 00 0420221681 05 07/01/04 0.0000 0420221681 O 06/01/34 0 9030845 P01/G02 F 103,500.00 ZZ 360 103,419.26 4 7.2500 706.05 90 7.0000 706.05 WATERVLIET NY 12189 1 04/29/04 10 0437877285 05 06/01/04 25.0000 04001261 N 05/01/34 0 9031123 642/G02 F 79,200.00 ZZ 360 79,200.00 3 7.5000 553.78 88 7.2500 553.78 WATERBURY CT 06704 1 05/10/04 11 0437896418 05 07/01/04 25.0000 02122504 N 06/01/34 0 9031471 H49/G02 F 108,000.00 ZZ 360 108,000.00 1 6.1250 656.22 62 5.8750 656.22 TUCSON AZ 85730 2 05/06/04 00 0437924376 05 07/01/04 0.0000 569484 O 06/01/34 0 9031843 U35/G02 F 207,000.00 ZZ 360 207,000.00 1 5.8750 1224.48 90 5.6250 1224.48 NORTH AURORA IL 60542 1 05/07/04 04 0437884901 05 07/01/04 25.0000 16008024 O 06/01/34 0 9031883 Y12/G02 F 262,500.00 ZZ 360 262,500.00 1 6.0000 1573.82 72 5.7500 1573.82 BROOMALL PA 19008 5 05/03/04 00 0437945140 05 07/01/04 0.0000 58687 O 06/01/34 0 9032621 E82/G02 F 134,200.00 ZZ 360 134,200.00 2 6.1250 815.41 28 5.8750 815.41 SAN JOSE CA 95112 2 05/14/04 00 0400967915 05 07/01/04 0.0000 0400967915 N 06/01/34 0 9032767 R84/G02 F 356,000.00 ZZ 360 356,000.00 1 6.0000 2134.40 80 5.7500 2134.40 RICHMOND TX 77469 1 05/12/04 00 0437898687 05 07/01/04 0.0000 869262 O 06/01/34 0 9032809 Y50/G02 F 100,000.00 ZZ 360 99,915.99 1 6.8750 656.93 80 6.6250 656.93 TEMPE AZ 85281 1 04/02/04 00 0437916752 05 06/01/04 0.0000 22041497 N 05/01/34 0 9032817 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.7500 324.30 75 6.5000 324.30 PUEBLO CO 81004 2 05/18/04 00 0420891418 05 07/01/04 0.0000 0420891418 N 06/01/34 0 9032879 E22/G02 F 78,300.00 ZZ 360 78,300.00 1 6.5000 494.91 90 6.2500 494.91 HERRIMAN UT 84065 1 05/13/04 04 0420828196 05 07/01/04 25.0000 0420828196 N 06/01/34 0 9032883 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 6.3750 1091.77 44 6.1250 1091.77 ANAHEIM CA 92804 5 05/11/04 00 0420830473 05 07/01/04 0.0000 0420830473 O 06/01/34 0 9032923 E22/G02 F 150,300.00 ZZ 360 150,300.00 1 6.8750 987.36 90 6.6250 987.36 SALT LAKE CITYUT 84121 5 05/12/04 04 0420840852 05 07/01/04 25.0000 0420840852 O 06/01/34 0 9033433 E22/G02 F 384,000.00 ZZ 360 384,000.00 1 6.1250 2333.22 80 5.8750 2333.22 GREAT FALLS MT 59404 5 05/13/04 00 0420705105 05 07/01/04 0.0000 0420705105 O 06/01/34 0 9033523 E22/G02 F 72,900.00 ZZ 360 72,900.00 1 7.6250 515.98 90 7.3750 515.98 ATHENS AL 35611 5 05/13/04 10 0420683781 05 07/01/04 25.0000 0420683781 O 06/01/34 0 9033527 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 6.6250 1568.76 77 6.3750 1568.76 YORKVILLE IL 60560 5 05/13/04 00 0420684110 05 07/01/04 0.0000 0420684110 O 06/01/34 0 9033695 E22/G02 F 78,000.00 ZZ 360 78,000.00 1 6.8750 512.40 80 6.6250 512.40 BIRMINGHAM AL 35205 1 05/18/04 00 0420620296 05 07/01/04 0.0000 0420620296 N 06/01/34 0 9033717 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.2500 1477.72 80 6.0000 1477.72 MARLBORO NY 12542 1 05/18/04 00 0420495905 05 07/01/04 0.0000 0420495905 O 06/01/34 0 9033753 E22/G02 F 58,500.00 ZZ 360 58,500.00 2 6.5000 369.76 90 6.2500 369.76 MEMPHIS TN 38115 1 05/18/04 04 0420302697 05 07/01/04 25.0000 0420302697 N 06/01/34 0 9033759 E22/G02 F 285,300.00 ZZ 360 285,300.00 2 7.0000 1898.11 90 6.7500 1898.11 ABINGTON MA 02351 1 05/18/04 01 0420337156 05 07/01/04 25.0000 0420337156 N 06/01/34 0 9033849 E22/G02 F 66,150.00 ZZ 360 66,150.00 1 6.3750 412.69 90 6.1250 412.69 MACON GA 31206 1 05/18/04 10 0420386559 05 07/01/04 25.0000 0420386559 N 06/01/34 0 9033871 E22/G02 F 68,000.00 ZZ 360 68,000.00 2 7.3750 469.66 80 7.1250 469.66 FORT WORTH TX 76110 5 05/18/04 00 0419777099 05 07/01/04 0.0000 0419777099 N 06/01/34 0 9033893 E22/G02 F 113,000.00 ZZ 360 113,000.00 1 6.1250 686.60 62 5.8750 686.60 BOGART GA 30622 2 05/18/04 00 0419998091 05 07/01/04 0.0000 0419998091 N 06/01/34 0 9034207 U05/G02 F 136,800.00 TX 360 136,800.00 1 7.1250 921.65 80 6.8750 921.65 RICHARDSON TX 75080 5 05/07/04 00 0437895782 05 07/01/04 0.0000 3000629562 O 06/01/34 0 9034613 Q14/G02 F 76,500.00 ZZ 360 76,500.00 1 7.1250 515.39 90 6.8750 515.39 CASA GRANDE AZ 85222 5 05/14/04 01 0437908387 05 07/01/04 25.0000 0000419442 O 06/01/34 0 9035569 E22/G02 F 123,000.00 ZZ 360 123,000.00 3 6.6250 787.58 75 6.3750 787.58 POST FALLS ID 83854 1 05/17/04 00 0420883449 05 07/01/04 0.0000 0420883449 N 06/01/34 0 9035599 E22/G02 F 123,000.00 ZZ 360 123,000.00 3 6.6250 787.58 75 6.3750 787.58 POST FALLS ID 83854 1 05/17/04 00 0420896888 05 07/01/04 0.0000 0420896888 N 06/01/34 0 9035615 E22/G02 F 277,500.00 ZZ 360 277,500.00 4 7.3750 1916.62 75 7.1250 1916.62 ANCHORAGE AK 99508 1 05/12/04 00 0420866501 05 07/01/04 0.0000 0420866501 N 06/01/34 0 9035619 E22/G02 F 67,800.00 ZZ 360 67,800.00 1 6.0000 406.50 60 5.7500 406.50 TAMPA FL 33619 5 05/14/04 00 0420828063 05 07/01/04 0.0000 0420828063 O 06/01/34 0 9035841 E22/G02 F 256,500.00 ZZ 360 256,500.00 3 7.3750 1771.58 90 7.1250 1771.58 CITY OF NEWARKNJ 07106 5 05/14/04 10 0420813248 05 07/01/04 25.0000 0420813248 O 06/01/34 0 9035849 E22/G02 F 333,000.00 ZZ 360 333,000.00 1 6.7500 2159.83 78 6.5000 2159.83 AUSTIN TX 78717 1 05/19/04 00 0420821993 03 07/01/04 0.0000 0420821993 O 06/01/34 0 9035881 E22/G02 F 119,700.00 ZZ 360 119,700.00 1 6.8750 786.34 90 6.6250 786.34 ADAMSVILLE AL 35005 2 05/19/04 10 0420762445 05 07/01/04 25.0000 0420762445 N 06/01/34 0 9035921 E22/G02 F 59,100.00 ZZ 360 59,100.00 1 6.8750 388.24 76 6.6250 388.24 BESSEMER AL 35020 2 05/19/04 00 0420777781 05 07/01/04 0.0000 0420777781 N 06/01/34 0 9036047 E22/G02 F 82,500.00 ZZ 360 82,500.00 2 7.6250 583.93 80 7.3750 583.93 NEW ORLEANS LA 70117 5 05/19/04 00 0420704330 05 07/01/04 0.0000 0420704330 N 06/01/34 0 9036089 E22/G02 F 129,600.00 ZZ 360 129,600.00 1 6.5000 819.16 80 6.2500 819.16 TUMWATER WA 98501 5 05/04/04 00 0420719031 05 07/01/04 0.0000 0420719031 O 06/01/34 0 9036129 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.7500 648.60 54 6.5000 648.60 BENNETT CO 80102 5 05/14/04 00 0420679839 05 07/01/04 0.0000 0420679839 O 06/01/34 0 9036189 N67/G02 F 500,000.00 ZZ 360 499,465.47 1 5.6250 2878.28 80 5.3750 2878.28 PALO ALTO CA 94306 2 04/01/04 00 0437885726 05 06/01/04 0.0000 3348000003 O 05/01/34 0 9036193 N67/G02 F 370,000.00 ZZ 360 369,604.45 1 5.6250 2129.93 53 5.3750 2129.93 SAN JOSE CA 95131 2 04/01/04 00 0437886435 05 06/01/04 0.0000 3348000007 O 05/01/34 0 9036203 N67/G02 F 483,700.00 ZZ 360 483,182.89 1 5.6250 2784.45 67 5.3750 2784.45 SAN JOSE CA 95138 2 04/08/04 00 0437885866 03 06/01/04 0.0000 3348000010 O 05/01/34 0 9036247 N67/G02 F 365,750.00 ZZ 360 365,358.99 1 5.6250 2105.46 49 5.3750 2105.46 NEWPORT BEACH CA 92660 2 04/06/04 00 0437885908 03 06/01/04 0.0000 3318000253 O 05/01/34 0 9036283 N67/G02 F 479,000.00 ZZ 360 478,487.92 1 5.6250 2757.39 52 5.3750 2757.39 THOUSAND OAKS CA 91320 5 04/06/04 00 0437885981 03 06/01/04 0.0000 3318000118 O 05/01/34 0 9036321 N67/G02 F 355,000.00 ZZ 360 354,602.20 1 5.3750 1987.90 51 5.1250 1987.90 HUNTINGTON BEACA 92646 5 04/02/04 00 0437886070 05 06/01/04 0.0000 3318000162 O 05/01/34 0 9036341 N67/G02 F 550,000.00 ZZ 240 548,755.81 1 5.6250 3822.32 44 5.3750 3822.32 RANCHO PALOS VCA 90275 2 04/01/04 00 0437886112 05 06/01/04 0.0000 3318000217 O 05/01/24 0 9036369 N67/G02 F 351,664.00 ZZ 360 351,288.05 1 5.6250 2024.38 80 5.3750 2024.38 RENO NV 89521 1 04/02/04 00 0437886179 03 06/01/04 0.0000 1262007011 O 05/01/34 0 9036371 E22/G02 F 253,000.00 ZZ 360 253,000.00 1 5.8750 1496.59 85 5.6250 1496.59 CHESTERFIELD VA 23832 2 05/14/04 01 0420613002 05 07/01/04 12.0000 0420613002 O 06/01/34 0 9036377 E22/G02 F 415,000.00 ZZ 360 415,000.00 1 6.2500 2555.23 80 6.0000 2555.23 LOWER LAKE CA 95457 5 05/11/04 00 0420617466 05 07/01/04 0.0000 0420617466 O 06/01/34 0 9036379 N67/G02 F 438,000.00 T 360 437,531.75 1 5.6250 2521.38 80 5.3750 2521.38 BOKEELIA FL 33922 1 04/12/04 00 0437886195 03 06/01/04 0.0000 1750004265 O 05/01/34 0 9036383 E22/G02 F 55,920.00 ZZ 360 55,920.00 1 6.3750 348.87 80 6.1250 348.87 BIRMINGHAM AL 35218 1 05/19/04 00 0420620270 05 07/01/04 0.0000 0420620270 N 06/01/34 0 9036399 N67/G02 F 650,000.00 ZZ 360 649,305.11 1 5.6250 3741.77 73 5.3750 3741.77 SCOTTSDALE AZ 85259 1 04/13/04 00 0437886211 03 06/01/04 0.0000 1760006196 O 05/01/34 0 9036407 N67/G02 F 571,600.00 ZZ 360 570,959.49 1 5.3750 3200.80 62 5.1250 3200.80 ENCINITAS CA 92024 2 04/05/04 00 0437886237 03 06/01/04 0.0000 3298000165 O 05/01/34 0 9036425 N67/G02 F 393,000.00 ZZ 360 392,569.84 1 5.5000 2231.41 76 5.2500 2231.41 EL CAJON CA 92019 2 04/06/04 00 0437886286 05 06/01/04 0.0000 3298000259 O 05/01/34 0 9036435 N67/G02 F 447,200.00 ZZ 360 446,687.05 1 5.2500 2469.45 80 5.0000 2469.45 SAN DIEGO CA 92119 1 04/12/04 00 0437886310 05 06/01/04 0.0000 3298000282 O 05/01/34 0 9036451 N67/G02 F 617,100.00 ZZ 360 616,440.28 1 5.6250 3552.38 80 5.3750 3552.38 SAN DIEGO CA 92127 1 04/01/04 00 0437886351 03 06/01/04 0.0000 3298000325 O 05/01/34 0 9036495 E22/G02 F 202,000.00 ZZ 360 202,000.00 1 6.1250 1227.37 56 5.8750 1227.37 NEVADA CITY CA 95959 2 05/03/04 00 0420573883 05 07/01/04 0.0000 0420573883 O 06/01/34 0 9036527 E22/G02 F 126,750.00 ZZ 360 126,750.00 1 6.7500 822.10 75 6.5000 822.10 WHITE SALMON WA 98672 5 05/10/04 00 0420456022 09 07/01/04 0.0000 0420456022 N 06/01/34 0 9036529 E22/G02 F 83,200.00 ZZ 360 83,200.00 1 6.2500 512.28 80 6.0000 512.28 EDGEWATER FL 32132 5 05/14/04 00 0420466294 05 07/01/04 0.0000 0420466294 O 06/01/34 0 9036613 E22/G02 F 153,000.00 ZZ 360 153,000.00 1 6.6250 979.68 90 6.3750 979.68 SANGER TX 76266 1 05/17/04 01 0420442451 05 07/01/04 25.0000 0420442451 O 06/01/34 0 9036685 E22/G02 F 228,600.00 ZZ 360 228,600.00 3 6.6250 1463.75 90 6.3750 1463.75 EUGENE OR 97401 1 05/11/04 04 0420082653 05 07/01/04 25.0000 0420082653 N 06/01/34 0 9036707 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.1250 1367.12 76 5.8750 1367.12 MECHANICSVILLEVA 23116 5 05/14/04 00 0420272874 05 07/01/04 0.0000 0420272874 O 06/01/34 0 9036715 E22/G02 F 300,000.00 ZZ 360 300,000.00 2 6.6250 1920.93 61 6.3750 1920.93 BROOKLYN NY 11220 5 05/14/04 00 0420300824 05 07/01/04 0.0000 0420300824 O 06/01/34 0 9037671 U42/G02 F 160,000.00 TX 360 160,000.00 1 6.7500 1037.76 80 6.5000 1037.76 DALLAS TX 75219 5 05/07/04 00 0437894967 06 07/01/04 0.0000 12401569 O 06/01/34 0 9038613 E47/G02 F 62,850.00 ZZ 360 62,850.00 2 6.6250 402.44 75 6.3750 402.44 MT LAKE PARK MD 21550 5 05/13/04 00 0437893878 05 07/01/04 0.0000 7342511001 N 06/01/34 0 9038739 U05/G02 F 70,000.00 TX 360 70,000.00 1 6.7500 454.02 78 6.5000 454.02 SAN ANTONIO TX 78220 5 05/11/04 00 0437902463 05 07/01/04 0.0000 3000618440 O 06/01/34 0 9038803 X89/G02 F 99,900.00 ZZ 360 99,900.00 1 5.8750 590.95 80 5.6250 590.95 SALISBURY MD 21801 1 05/17/04 00 0437896608 05 07/01/04 0.0000 2039269 N 06/01/34 0 9038847 E11/G02 F 115,850.00 ZZ 360 115,850.00 4 7.0000 770.75 90 6.7500 770.75 AUSTIN MN 55912 1 05/14/04 14 0437906233 05 07/01/04 25.0000 0202001070772 N 06/01/34 0 9038933 A50/G02 F 180,115.00 ZZ 360 180,115.00 1 6.7500 1168.23 85 6.5000 1168.23 BREMEN AL 35033 1 05/13/04 11 0437909757 05 07/01/04 12.0000 02103257 O 06/01/34 0 9039121 Y69/G02 F 63,000.00 ZZ 360 62,945.76 1 6.7500 408.62 79 6.5000 408.62 MONROE LA 71203 2 04/22/04 00 0437902323 05 06/01/04 0.0000 3020004754 N 05/01/34 0 9039283 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 7.7500 458.50 80 7.5000 458.50 MEMPHIS TN 38141 2 05/20/04 00 0420901209 05 07/01/04 0.0000 0420901209 N 06/01/34 0 9039323 E22/G02 F 70,000.00 ZZ 360 70,000.00 1 7.7500 501.49 80 7.5000 501.49 MEMPHIS TN 38141 2 05/20/04 00 0420902405 05 07/01/04 0.0000 0420902405 N 06/01/34 0 9039385 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.8750 735.76 75 6.6250 735.76 NEW ORLEANS LA 70119 2 05/20/04 00 0420946238 05 07/01/04 0.0000 0420946238 N 06/01/34 0 9039523 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.0000 599.55 36 5.7500 599.55 SANTA ROSA CA 95409 1 05/14/04 00 0420785107 01 07/01/04 0.0000 0420785107 O 06/01/34 0 9039531 E82/G02 F 208,000.00 ZZ 360 208,000.00 1 6.1250 1263.83 80 5.8750 1263.83 LAS VEGAS NV 89139 5 05/19/04 00 0400978482 03 07/01/04 0.0000 0400978482 O 06/01/34 0 9039557 E22/G02 F 146,250.00 ZZ 360 146,250.00 1 5.8750 865.12 84 5.6250 865.12 FLAGSTAFF AZ 86001 1 05/13/04 11 0420796211 09 07/01/04 12.0000 0420796211 O 06/01/34 0 9039631 E22/G02 F 56,500.00 ZZ 360 56,500.00 1 6.5000 357.12 80 6.2500 357.12 NEVADA MO 64772 5 05/15/04 00 0420761900 05 07/01/04 0.0000 0420761900 O 06/01/34 0 9039737 E22/G02 F 94,200.00 ZZ 360 94,200.00 1 6.7500 610.98 55 6.5000 610.98 BALLWIN MO 63011 2 05/20/04 00 0420703217 05 07/01/04 0.0000 0420703217 N 06/01/34 0 9039741 E22/G02 F 123,500.00 ZZ 360 123,500.00 1 6.7500 801.02 67 6.5000 801.02 SAINT LOUIS MO 63146 2 05/20/04 00 0420705477 05 07/01/04 0.0000 0420705477 N 06/01/34 0 9039767 W53/G02 F 100,000.00 ZZ 360 99,900.44 1 6.0000 599.56 72 5.7500 599.56 DOUGLASVILLE GA 30134 1 04/20/04 00 0437933831 03 06/01/04 0.0000 10013581304004 N 05/01/34 0 9039791 W53/G02 F 100,000.00 ZZ 360 99,900.44 1 6.0000 599.56 71 5.7500 599.56 UNION CITY GA 30291 1 04/23/04 00 0437934268 05 06/01/04 0.0000 1304004448 N 05/01/34 0 9040333 E77/G02 F 591,000.00 ZZ 360 591,000.00 1 6.2500 3638.89 70 6.0000 3638.89 EDGEWATER MD 21037 5 05/24/04 00 0437939291 05 07/01/04 0.0000 101004180 O 06/01/34 0 9040379 E22/G02 F 233,000.00 ZZ 360 233,000.00 1 6.5000 1472.72 80 6.2500 1472.72 SEATTLE WA 98122 1 05/14/04 00 0420629297 05 07/01/04 0.0000 0420629297 O 06/01/34 0 9040399 E22/G02 F 126,750.00 ZZ 360 126,750.00 1 6.3750 790.76 37 6.1250 790.76 AROMAS CA 95004 5 05/04/04 00 0420636201 05 07/01/04 0.0000 0420636201 O 06/01/34 0 9040603 E22/G02 F 192,000.00 ZZ 360 192,000.00 2 6.7500 1245.31 80 6.5000 1245.31 SAINT PAUL MN 55106 2 05/20/04 00 0420530578 05 07/01/04 0.0000 0420530578 N 06/01/34 0 9040683 E22/G02 F 161,000.00 ZZ 360 161,000.00 1 6.1250 978.25 78 5.8750 978.25 GLEN BURNIE MD 21061 5 05/14/04 00 0420338279 05 07/01/04 0.0000 0420338279 O 06/01/34 0 9040695 E22/G02 F 72,900.00 ZZ 360 72,900.00 4 6.5000 460.78 90 6.2500 460.78 LAFAYETTE LA 70508 1 05/20/04 01 0420407496 05 07/01/04 25.0000 0420407496 N 06/01/34 0 9041567 A19/G02 F 176,000.00 ZZ 360 176,000.00 1 7.2500 1200.63 80 7.0000 1200.63 LYNN MA 01905 1 05/21/04 00 0437900889 05 07/01/04 0.0000 11083609 N 06/01/34 0 9041573 E22/G02 F 97,750.00 ZZ 360 97,657.25 1 6.2500 601.86 85 6.0000 601.86 PHILADELPHIA PA 19144 5 04/22/04 01 0419617774 05 06/01/04 12.0000 0419617774 O 05/01/34 0 9042059 X64/G02 F 37,500.00 ZZ 360 37,466.10 1 6.5000 237.03 38 6.2500 237.03 DETROIT MI 48235 5 04/26/04 00 0437896541 05 06/01/04 0.0000 00000277182 O 05/01/34 0 9042557 696/G02 F 208,000.00 ZZ 360 208,000.00 1 6.2500 1280.69 60 6.0000 1280.69 WASHINGTON DC 20003 5 05/18/04 00 0437897077 07 07/01/04 0.0000 31204132 N 06/01/34 0 9042843 E22/G02 F 104,900.00 ZZ 360 104,900.00 1 6.8750 689.12 100 6.6250 689.12 SCOTTSDALE AZ 85253 1 05/17/04 10 0420923096 01 07/01/04 35.0000 0420923096 O 06/01/34 0 9042917 E22/G02 F 132,800.00 ZZ 360 132,800.00 1 6.8750 872.40 80 6.6250 872.40 LAKELAND FL 33813 5 05/17/04 00 0420864936 05 07/01/04 0.0000 0420864936 O 06/01/34 0 9042951 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.7500 518.88 79 6.5000 518.88 MOBILE AL 36695 2 05/21/04 00 0420816753 05 07/01/04 0.0000 0420816753 N 06/01/34 0 9042953 E22/G02 F 70,200.00 ZZ 360 70,200.00 1 6.7500 455.32 74 6.5000 455.32 MOBILE AL 36695 2 05/21/04 00 0420817710 05 07/01/04 0.0000 0420817710 N 06/01/34 0 9042975 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 6.8750 525.54 80 6.6250 525.54 ST PETERSBURG FL 33705 5 05/21/04 00 0420827875 05 07/01/04 0.0000 0420827875 N 06/01/34 0 9043053 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.7500 739.40 75 6.5000 739.40 ATLANTA GA 30314 2 05/21/04 00 0420779993 05 07/01/04 0.0000 0420779993 N 06/01/34 0 9043061 E22/G02 F 129,000.00 ZZ 360 129,000.00 1 5.8750 763.08 52 5.6250 763.08 PENN VALLEY CA 95946 1 05/07/04 00 0420757403 05 07/01/04 0.0000 0420757403 O 06/01/34 0 9043279 E22/G02 F 310,000.00 ZZ 360 310,000.00 1 6.5000 1959.41 78 6.2500 1959.41 SACRAMENTO CA 95819 1 05/13/04 00 0420744542 05 07/01/04 0.0000 0420744542 N 06/01/34 0 9043285 E22/G02 F 94,905.00 ZZ 360 94,905.00 1 7.7500 679.91 95 7.5000 679.91 CHILDERSBURG AL 35044 1 05/21/04 10 0420688327 05 07/01/04 30.0000 0420688327 O 06/01/34 0 9043343 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.5000 707.92 80 6.2500 707.92 FALLS CHURCH VA 22042 1 05/21/04 00 0420659476 01 07/01/04 0.0000 0420659476 N 06/01/34 0 9043375 E22/G02 F 80,750.00 ZZ 360 80,750.00 1 6.3750 503.77 95 6.1250 503.77 LEXINGTON SC 29073 5 05/17/04 10 0420673261 05 07/01/04 30.0000 0420673261 O 06/01/34 0 9043389 E22/G02 F 148,500.00 ZZ 360 148,500.00 4 7.0000 987.97 90 6.7500 987.97 LOUISVILLE KY 40229 1 05/21/04 10 0420680258 05 07/01/04 25.0000 0420680258 N 06/01/34 0 9043443 E22/G02 F 118,320.00 T 360 118,320.00 1 6.1250 718.92 80 5.8750 718.92 FORT MYERS FL 33908 1 05/20/04 00 0420609208 01 07/01/04 0.0000 0420609208 O 06/01/34 0 9043493 E22/G02 F 208,000.00 ZZ 360 208,000.00 2 6.7500 1349.08 80 6.5000 1349.08 KENNEWICK WA 99337 2 05/14/04 00 0420517831 05 07/01/04 0.0000 0420517831 N 06/01/34 0 9043503 E22/G02 F 78,750.00 ZZ 360 78,750.00 4 7.0000 523.93 90 6.7500 523.93 ANNISTON AL 36207 1 05/21/04 04 0420548109 05 07/01/04 25.0000 0420548109 N 06/01/34 0 9043505 E22/G02 F 77,600.00 ZZ 360 77,600.00 1 6.8750 509.78 80 6.6250 509.78 KALAMAZOO MI 49001 2 05/21/04 00 0420552325 05 07/01/04 0.0000 0420552325 N 06/01/34 0 9043543 E22/G02 F 142,400.00 T 360 142,400.00 1 6.3750 888.39 80 6.1250 888.39 BRAINERD MN 56401 1 05/21/04 00 0420590846 05 07/01/04 0.0000 0420590846 O 06/01/34 0 9043583 E22/G02 F 95,400.00 ZZ 360 95,400.00 1 6.5000 602.99 90 6.2500 602.99 CHESAPEAKE VA 23322 1 05/21/04 04 0420450124 07 07/01/04 25.0000 0420450124 N 06/01/34 0 9043593 E22/G02 F 197,600.00 ZZ 360 197,600.00 1 5.8750 1168.88 80 5.6250 1168.88 WHITE LAKE MI 48383 2 05/17/04 00 0420490997 05 07/01/04 0.0000 0420490997 O 06/01/34 0 9044045 K15/G02 F 111,000.00 ZZ 360 111,000.00 1 6.7500 719.94 75 6.5000 719.94 MOSES LAKE WA 98837 5 05/10/04 00 0437913197 05 07/01/04 0.0000 017805519667 N 06/01/34 0 9044119 U05/G02 F 109,250.00 ZZ 360 109,250.00 1 7.1250 736.04 95 6.8750 736.04 VALDOSTA GA 31602 5 05/10/04 01 0437906845 05 07/01/04 30.0000 3000626489 O 06/01/34 0 9044697 144/144 F 290,420.00 ZZ 360 290,420.00 1 5.6250 1671.82 51 5.3750 1671.82 KENT NY 10512 5 05/14/04 00 160692541 05 07/01/04 0.0000 160692541 O 06/01/34 0 9044731 Q73/G02 F 146,000.00 ZZ 360 146,000.00 1 6.0000 875.34 78 5.7500 875.34 OLIVE BRANCH MS 38654 2 05/14/04 00 0437906811 05 07/01/04 0.0000 3193286 O 06/01/34 0 9044767 P21/G02 F 112,000.00 ZZ 360 112,000.00 1 6.7500 726.43 78 6.5000 726.43 CRYSTAL RIVER FL 34429 5 05/17/04 00 0437902034 03 07/01/04 0.0000 0404026 O 06/01/34 0 9044811 144/144 F 120,000.00 ZZ 360 120,000.00 1 5.6250 690.79 70 5.3750 690.79 KINGSTON NY 12401 5 05/10/04 00 16-075380-6 05 07/01/04 0.0000 16-075380-6 O 06/01/34 0 9044977 696/G02 F 56,250.00 ZZ 360 56,200.38 1 6.6250 360.17 90 6.3750 360.17 BALTIMORE MD 21223 1 04/29/04 12 0437900228 07 06/01/04 25.0000 26404056 N 05/01/34 0 9045079 P34/G02 F 146,250.00 ZZ 360 146,250.00 1 7.2500 997.69 90 7.0000 997.69 CLERMONT FL 34711 1 05/14/04 10 0437920697 03 07/01/04 25.0000 62798 N 06/01/34 0 9045839 X05/G02 F 346,500.00 ZZ 360 346,500.00 1 5.8750 2049.68 70 5.6250 2049.68 ALPINE CA 91901 5 05/10/04 00 0437902125 05 07/01/04 0.0000 014030309 O 06/01/34 0 9045843 X05/G02 F 215,000.00 ZZ 360 214,770.15 1 5.6250 1237.66 57 5.3750 1237.66 CHULA VISTA CA 91910 2 04/29/04 00 0437902240 01 06/01/04 0.0000 014030376 N 05/01/34 0 9045849 X05/G02 F 150,000.00 ZZ 360 150,000.00 1 6.5000 948.10 27 6.2500 948.10 ARROYO GRANDE CA 93420 1 05/11/04 00 0437936974 05 07/01/04 0.0000 07405003 N 06/01/34 0 9045929 E22/G02 F 86,400.00 ZZ 360 86,400.00 1 7.1250 582.09 80 6.8750 582.09 PORT SAINT LUCFL 34953 1 05/20/04 00 0420904906 05 07/01/04 0.0000 0420904906 N 06/01/34 0 9045973 E22/G02 F 200,000.00 ZZ 360 200,000.00 4 6.3750 1247.74 71 6.1250 1247.74 TACOMA WA 98404 1 05/19/04 00 0420868135 05 07/01/04 0.0000 0420868135 N 06/01/34 0 9046019 E22/G02 F 134,720.00 ZZ 360 134,720.00 2 6.5000 851.52 80 6.2500 851.52 NEW ORLEANS LA 70118 2 05/21/04 00 0420887390 05 07/01/04 0.0000 0420887390 N 06/01/34 0 9046159 E22/G02 F 76,800.00 ZZ 360 76,800.00 1 6.8750 504.52 80 6.6250 504.52 GRAND RAPIDS MI 49507 5 05/18/04 00 0420848814 05 07/01/04 0.0000 0420848814 O 06/01/34 0 9046183 E22/G02 F 121,600.00 ZZ 360 121,600.00 1 7.0000 809.01 76 6.7500 809.01 TACOMA WA 98404 2 05/18/04 00 0420818064 05 07/01/04 0.0000 0420818064 N 06/01/34 0 9046533 E22/G02 F 117,750.00 ZZ 360 117,750.00 1 6.3750 734.61 75 6.1250 734.61 PUYALLUP WA 98374 1 05/18/04 00 0420651655 05 07/01/04 0.0000 0420651655 N 06/01/34 0 9046557 E22/G02 F 152,000.00 ZZ 360 152,000.00 2 6.5000 960.74 75 6.2500 960.74 SPRINGFIELD OR 97477 2 05/19/04 00 0420676538 05 07/01/04 0.0000 0420676538 N 06/01/34 0 9046779 E22/G02 F 136,000.00 ZZ 360 136,000.00 4 7.3750 939.32 80 7.1250 939.32 HAMMONND LA 70403 1 05/21/04 00 0420588899 05 07/01/04 0.0000 0420588899 N 06/01/34 0 9046783 E22/G02 F 123,750.00 ZZ 360 123,750.00 4 7.2500 844.19 90 7.0000 844.19 TOLEDO OH 43609 1 05/24/04 04 0420593725 05 07/01/04 25.0000 0420593725 N 06/01/34 0 9046919 E22/G02 F 168,000.00 TX 360 168,000.00 1 6.6250 1075.72 80 6.3750 1075.72 JOHNSON CITY TX 78636 5 05/17/04 00 0419798202 05 07/01/04 0.0000 0419798202 O 06/01/34 0 9046943 E22/G02 F 141,600.00 ZZ 360 141,600.00 1 6.6250 906.68 80 6.3750 906.68 SPRINGTOWN TX 76082 1 05/21/04 00 0420208944 05 07/01/04 0.0000 0420208944 O 06/01/34 0 9047053 E86/G02 F 248,000.00 ZZ 240 246,875.33 1 5.6250 1723.52 66 5.3750 1723.52 OAKLAND CA 94603 2 03/24/04 00 0437907959 05 05/01/04 0.0000 524916 O 04/01/24 0 9047055 E86/G02 F 333,000.00 ZZ 360 332,335.34 1 6.0000 1996.50 20 5.7500 1996.50 BETHESDA MD 20814 5 03/26/04 00 0437906605 05 05/01/04 0.0000 506576 O 04/01/34 0 9047057 E86/G02 F 265,000.00 ZZ 360 264,716.70 1 5.6250 1525.49 67 5.3750 1525.49 ALHAMBRA CA 91801 5 04/05/04 00 0437911514 05 06/01/04 0.0000 526652 O 05/01/34 0 9047065 E86/G02 F 333,700.00 ZZ 360 333,343.25 1 5.6250 1920.97 73 5.3750 1920.97 OCEANSIDE CA 92056 5 03/30/04 00 0437907611 03 06/01/04 0.0000 529143 O 05/01/34 0 9047079 E86/G02 F 156,750.00 ZZ 360 156,578.43 1 5.5000 890.01 75 5.2500 890.01 SWEET HOME OR 97386 2 04/07/04 00 0437908510 05 06/01/04 0.0000 517858 O 05/01/34 0 9047519 E86/G02 F 100,000.00 ZZ 360 99,767.05 1 6.3750 623.87 69 6.1250 623.87 PRESCOTT AZ 86303 5 03/25/04 00 0437911365 05 05/01/04 0.0000 520882 O 04/01/34 0 9047527 E86/G02 F 153,000.00 ZZ 360 152,836.44 1 5.6250 880.75 51 5.3750 880.75 CALPINE CA 96124 2 04/07/04 00 0437906530 05 06/01/04 0.0000 518437 O 05/01/34 0 9047531 E86/G02 F 195,000.00 ZZ 360 194,801.19 1 5.8750 1153.50 68 5.6250 1153.50 MIAMI FL 33133 5 04/16/04 00 0437911258 05 06/01/04 0.0000 0000462914 O 05/01/34 0 9047561 E86/G02 F 427,000.00 ZZ 360 426,084.88 1 5.6250 2458.05 71 5.3750 2458.05 SAN JOSE CA 95117 1 03/29/04 00 0437911522 05 05/01/04 0.0000 0000526723 O 04/01/34 0 9047577 E86/G02 F 159,000.00 ZZ 360 158,834.00 1 5.7500 927.88 40 5.5000 927.88 EL DORADO CA 95623 5 04/08/04 00 0437909625 05 06/01/04 0.0000 517852 O 05/01/34 0 9047579 E86/G02 F 333,700.00 T 360 333,326.08 1 5.3750 1868.62 57 5.1250 1868.62 INCLINE VILLAGNV 89451 5 04/19/04 00 0437908593 01 06/01/04 0.0000 539559 O 05/01/34 0 9047585 E86/G02 F 325,500.00 ZZ 360 325,152.02 1 5.6250 1873.76 70 5.3750 1873.76 HAWTHORNE CA 90250 2 04/01/04 00 0437913783 05 06/01/04 0.0000 500572 O 05/01/34 0 9047589 E86/G02 F 107,250.00 ZZ 360 107,132.61 1 5.5000 608.95 75 5.2500 608.95 BEND OR 97702 5 04/02/04 00 0437909666 05 06/01/04 0.0000 529106 O 05/01/34 0 9047605 E86/G02 F 160,000.00 ZZ 360 159,832.95 1 5.7500 933.72 75 5.5000 933.72 BELLEVILLE IL 62221 2 04/12/04 00 0437908981 05 06/01/04 0.0000 526207 O 05/01/34 0 9047619 E86/G02 F 329,800.00 ZZ 360 329,455.67 1 5.7500 1924.62 57 5.5000 1924.62 SAN FRANCISCO CA 94124 2 03/29/04 00 0437911399 07 06/01/04 0.0000 529030 O 05/01/34 0 9047639 E86/G02 F 187,000.00 ZZ 360 186,804.76 1 5.7500 1091.28 75 5.5000 1091.28 ANGELS CAMP CA 95222 5 04/12/04 00 0437909773 05 06/01/04 0.0000 546059 O 05/01/34 0 9047799 E86/G02 F 232,000.00 ZZ 360 231,751.98 1 5.6250 1335.52 74 5.3750 1335.52 GRAEAGLE CA 96103 5 04/01/04 00 0437907140 05 06/01/04 0.0000 536257 O 05/01/34 0 9047919 E86/G02 F 327,000.00 ZZ 360 326,650.41 1 5.6250 1882.40 57 5.3750 1882.40 HIGHLAND PARK IL 60035 2 04/05/04 00 0437914153 05 06/01/04 0.0000 526316 O 05/01/34 0 9048119 E86/G02 F 226,200.00 ZZ 360 225,958.18 1 5.6250 1302.13 50 5.3750 1302.13 IRVINE CA 92614 2 04/16/04 00 0437906662 01 06/01/04 0.0000 538290 O 05/01/34 0 9048361 E86/G02 F 127,400.00 ZZ 360 127,282.00 1 6.3750 794.81 75 6.1250 794.81 LEMOORE CA 93245 2 04/05/04 00 0437910102 05 06/01/04 0.0000 485047 N 05/01/34 0 9048375 E86/G02 F 252,500.00 ZZ 360 251,958.86 1 5.6250 1453.53 48 5.3750 1453.53 HUNTINGTON BEACA 92649 5 03/30/04 00 0437911183 05 05/01/04 0.0000 521192 O 04/01/34 0 9048377 E86/G02 F 324,700.00 ZZ 360 324,082.23 1 6.2500 1999.23 75 6.0000 1999.23 ROSEVILLE CA 95747 5 03/25/04 00 0437909799 05 05/01/04 0.0000 516572 O 04/01/34 0 9048401 E86/G02 F 333,700.00 ZZ 360 332,699.26 1 5.6250 1920.97 61 5.3750 1920.97 FOUNTAIN VALLECA 92708 5 03/25/04 00 0437911126 05 05/01/04 0.0000 523592 O 04/01/34 0 9048411 E86/G02 F 240,000.00 ZZ 360 239,743.42 1 5.6250 1381.58 69 5.3750 1381.58 PASO ROBLES CA 93446 5 04/08/04 00 0437912116 05 06/01/04 0.0000 525342 O 05/01/34 0 9048415 E86/G02 F 231,000.00 ZZ 360 230,519.23 1 5.8750 1366.45 45 5.6250 1366.45 FALLBROOK CA 92028 2 03/26/04 00 0437908122 05 05/01/04 0.0000 527166 O 04/01/34 0 9048417 E86/G02 F 121,000.00 ZZ 360 120,873.67 1 5.7500 706.12 61 5.5000 706.12 SAN DIEGO CA 92104 5 04/16/04 00 0437909609 01 06/01/04 0.0000 528724 O 05/01/34 0 9048419 E86/G02 F 235,000.00 ZZ 360 234,736.67 1 5.3750 1315.93 53 5.1250 1315.93 APPLEGATE CA 95703 5 04/15/04 00 0437909559 05 06/01/04 0.0000 529071 O 05/01/34 0 9048429 E86/G02 F 206,000.00 ZZ 360 205,558.52 1 5.6250 1185.85 53 5.3750 1185.85 HERNDON VA 20171 2 03/26/04 00 0437907496 09 05/01/04 0.0000 528150 O 04/01/34 0 9048433 E86/G02 F 68,000.00 ZZ 360 67,867.47 1 6.1250 413.18 61 5.8750 413.18 FRESNO CA 93706 5 03/24/04 00 0437911209 05 05/01/04 0.0000 527568 O 04/01/34 0 9048521 E86/G02 F 168,000.00 ZZ 360 167,836.71 1 6.1250 1020.79 59 5.8750 1020.79 FAIRFIELD CA 94534 5 04/23/04 00 0437908932 05 06/01/04 0.0000 551280 O 05/01/34 0 9048525 E86/G02 F 152,000.00 ZZ 360 151,837.50 1 5.6250 875.00 58 5.3750 875.00 SOUTH LAKE TAHCA 96150 2 04/13/04 00 0437909971 05 06/01/04 0.0000 514383 O 05/01/34 0 9048527 E86/G02 F 200,000.00 ZZ 360 199,775.89 1 5.3750 1119.94 68 5.1250 1119.94 CAMERON PARK CA 95682 5 04/02/04 00 0437906696 05 06/01/04 0.0000 528861 O 05/01/34 0 9048529 E86/G02 F 302,400.00 ZZ 360 301,591.95 1 5.5000 1716.99 80 5.2500 1716.99 IDAHO FALLS ID 83404 2 03/29/04 00 0437911936 03 05/01/04 0.0000 526234 O 04/01/34 0 9048535 E86/G02 F 283,000.00 ZZ 360 282,697.45 1 5.6250 1629.11 63 5.3750 1629.11 SAINT PAUL OR 97137 5 04/13/04 00 0437908262 05 06/01/04 0.0000 533162 O 05/01/34 0 9048555 E86/G02 F 280,000.00 ZZ 360 279,686.25 1 5.3750 1567.92 68 5.1250 1567.92 MURRIETA CA 92563 5 04/15/04 00 0437911530 05 06/01/04 0.0000 525060 O 05/01/34 0 9048567 E86/G02 F 310,000.00 ZZ 360 309,303.71 1 5.3750 1735.91 62 5.1250 1735.91 HOMEWOOD CA 96141 2 03/30/04 00 0437911001 05 05/01/04 0.0000 524499 O 04/01/34 0 9048577 E86/G02 F 200,000.00 ZZ 360 199,775.89 1 5.3750 1119.94 50 5.1250 1119.94 ARROYO GRANDE CA 93420 5 04/09/04 00 0437911316 05 06/01/04 0.0000 533950 O 05/01/34 0 9048605 369/G02 F 117,000.00 ZZ 360 116,901.70 3 6.8750 768.61 90 6.6250 768.61 WILLIMANTIC CT 06226 1 04/27/04 10 0437941297 05 06/01/04 25.0000 39418532 N 05/01/34 0 9049029 369/G02 F 111,150.00 ZZ 360 110,881.75 2 7.1250 748.84 90 6.8750 748.84 HARTFORD CT 06106 1 03/01/04 14 0437921703 05 04/01/04 25.0000 0077279834 N 03/01/34 0 9049813 Y65/G02 F 246,000.00 ZZ 360 245,749.19 1 5.8750 1455.18 43 5.6250 1455.18 FOTSOM CA 95630 5 04/19/04 00 0437917529 05 06/01/04 0.0000 40151459 O 05/01/34 0 9049923 Y65/G02 F 180,000.00 ZZ 360 179,833.28 1 6.3750 1122.97 90 6.1250 1122.97 CHICAGO IL 60636 1 04/28/04 04 0437915572 05 06/01/04 25.0000 40157465 O 05/01/34 0 9050221 Y65/G02 F 342,000.00 ZZ 360 341,252.96 1 5.5000 1941.84 62 5.2500 1941.84 ANDOVER MA 01812 5 04/27/04 00 0437915804 05 06/01/04 0.0000 40148118 N 05/01/34 0 9050227 Y65/G02 F 180,000.00 ZZ 360 179,816.48 1 5.8750 1064.77 80 5.6250 1064.77 MADISON WI 53715 5 04/27/04 00 0437911837 05 06/01/04 0.0000 40136975 O 05/01/34 0 9050229 Y65/G02 F 330,000.00 ZZ 360 329,647.21 1 5.6250 1899.67 78 5.3750 1899.67 ORANGE CA 92868 5 04/14/04 00 0437916422 05 06/01/04 0.0000 40146984 O 05/01/34 0 9050231 Y65/G02 F 333,700.00 ZZ 360 333,351.60 2 5.7500 1947.38 63 5.5000 1947.38 SAN JOSE CA 95126 2 04/15/04 00 0437915697 05 06/01/04 0.0000 40146146 N 05/01/34 0 9050241 Y65/G02 F 142,500.00 ZZ 360 142,500.00 1 5.2500 786.90 75 5.0000 786.90 FORT WORTH TX 76109 1 05/03/04 00 0437914203 05 07/01/04 0.0000 40146331 N 06/01/34 0 9050253 Y65/G02 F 362,000.00 ZZ 360 361,630.92 1 5.8750 2141.37 66 5.6250 2141.37 VENTURA CA 93004 5 04/26/04 00 0437916919 05 06/01/04 0.0000 40149942 O 05/01/34 0 9050257 Y65/G02 F 438,750.00 ZZ 360 438,146.96 1 5.8750 2595.37 75 5.6250 2595.37 SYLMAR CA 91342 5 04/16/04 00 0437916703 05 06/01/04 0.0000 40151877 O 05/01/34 0 9050267 Y65/G02 F 92,000.00 ZZ 300 91,864.67 2 5.8750 585.75 48 5.6250 585.75 POUGHKEEPSIE NY 12601 5 04/26/04 00 0437914435 05 06/01/04 0.0000 N05225 N 05/01/29 0 9050271 Y65/G02 F 116,000.00 ZZ 300 115,829.37 1 5.8750 738.55 58 5.6250 738.55 POUGHKEEPSIE NY 12601 5 04/26/04 00 0437914633 05 06/01/04 0.0000 N05224 N 05/01/29 0 9050277 Y65/G02 F 362,800.00 ZZ 360 362,430.11 1 5.8750 2146.10 64 5.6250 2146.10 SAN FRANCISCO CA 94112 2 04/14/04 00 0437916067 05 06/01/04 0.0000 40144400 O 05/01/34 0 9050279 Y65/G02 F 199,500.00 ZZ 360 199,296.60 1 5.8750 1180.12 70 5.6250 1180.12 LAKEPORT CA 95453 1 04/20/04 00 0437916646 05 06/01/04 0.0000 40146133 N 05/01/34 0 9050281 Y65/G02 F 140,800.00 ZZ 360 140,669.59 1 6.3750 878.41 80 6.1250 878.41 LARGO FL 33778 1 04/30/04 00 0437917693 05 06/01/04 0.0000 40151808 O 05/01/34 0 9050289 Y65/G02 F 316,000.00 ZZ 360 315,662.18 1 5.6250 1819.07 80 5.3750 1819.07 TRUCKEE CA 96161 5 04/27/04 00 0437915085 05 06/01/04 0.0000 40137359 O 05/01/34 0 9050293 Y65/G02 F 121,000.00 ZZ 360 120,233.71 1 5.8750 715.76 85 5.6250 715.76 CASPER WY 82604 2 04/26/04 04 0437915994 05 06/01/04 12.0000 40119038 O 05/01/34 0 9050297 Y65/G02 F 79,500.00 ZZ 360 79,426.36 1 6.3750 495.98 75 6.1250 495.98 MENASHA WI 54952 2 04/28/04 00 0437916042 05 06/01/04 0.0000 40144406 O 05/01/34 0 9050299 Y65/G02 F 94,500.00 ZZ 360 94,410.34 2 6.2500 581.85 62 6.0000 581.85 CINCINNATI OH 45217 5 04/29/04 00 0437914427 05 06/01/04 0.0000 40155424 N 05/01/34 0 9050305 Y65/G02 F 390,000.00 ZZ 360 390,000.00 1 5.6250 2245.06 60 5.3750 2245.06 THOUSAND OAKS CA 91360 5 04/28/04 00 0437916794 05 07/01/04 0.0000 40149505 O 06/01/34 0 9050311 Y65/G02 F 266,000.00 ZZ 360 265,728.80 1 5.8750 1573.49 74 5.6250 1573.49 COLFAX CA 95713 5 04/23/04 00 0437914492 05 06/01/04 0.0000 40146439 O 05/01/34 0 9050317 Y65/G02 F 157,000.00 ZZ 360 156,832.16 1 5.6250 903.78 63 5.3750 903.78 CITRUS HEIGHTSCA 95610 5 04/20/04 00 0437922990 05 06/01/04 0.0000 40149066 N 05/01/34 0 9050319 Y65/G02 F 98,000.00 ZZ 360 97,900.08 1 5.8750 579.71 38 5.6250 579.71 FOLSOM CA 95630 2 04/29/04 00 0437912017 05 06/01/04 0.0000 40151408 N 05/01/34 0 9050321 Y65/G02 F 116,000.00 ZZ 360 115,887.25 4 6.1250 704.83 11 5.8750 704.83 SANTA BARBARA CA 93103 2 04/26/04 00 0437914740 05 06/01/04 0.0000 40154020 N 05/01/34 0 9050365 Y65/G02 F 100,000.00 ZZ 360 99,905.11 1 6.2500 615.72 80 6.0000 615.72 FRESNO CA 93704 5 04/26/04 00 0437918725 05 06/01/04 0.0000 40137934 O 05/01/34 0 9050399 Y65/G02 F 252,000.00 ZZ 360 251,736.90 1 5.7500 1470.60 70 5.5000 1470.60 MORENO VALLEY CA 92555 5 04/20/04 00 0437914765 05 06/01/04 0.0000 40154439 O 05/01/34 0 9050401 Y65/G02 F 205,600.00 ZZ 360 205,390.38 1 5.8750 1216.20 80 5.6250 1216.20 BIG BEAR CA 92314 5 04/23/04 00 0437914799 05 06/01/04 0.0000 40148751 O 05/01/34 0 9050407 Y65/G02 F 185,000.00 ZZ 240 184,569.08 1 5.3750 1259.57 47 5.1250 1259.57 SALINAS CA 93906 5 04/26/04 00 0437914757 05 06/01/04 0.0000 40146788 O 05/01/24 0 9050409 Y65/G02 F 486,000.00 ZZ 360 485,516.18 2 6.0000 2913.82 65 5.7500 2913.82 OAKLAND CA 94618 2 04/23/04 00 0437916216 05 06/01/04 0.0000 40140657 N 05/01/34 0 9050415 Y65/G02 F 500,000.00 ZZ 360 499,465.47 1 5.6250 2878.28 75 5.3750 2878.28 CORONA CA 92883 5 04/27/04 00 0437914591 05 06/01/04 0.0000 40142533 O 05/01/34 0 9050421 Y65/G02 F 213,500.00 ZZ 360 213,277.09 1 5.7500 1245.93 53 5.5000 1245.93 NORWALK CA 90650 5 04/29/04 00 0437915663 05 06/01/04 0.0000 40155784 O 05/01/34 0 9050423 Y65/G02 F 250,000.00 ZZ 360 249,751.12 2 6.0000 1498.88 53 5.7500 1498.88 LIVERMORE CA 94551 2 04/16/04 00 0437915432 05 06/01/04 0.0000 40144914 N 05/01/34 0 9050425 Y65/G02 F 104,800.00 ZZ 360 104,700.56 1 6.2500 645.27 80 6.0000 645.27 BRADENTON FL 34205 2 04/26/04 00 0437916414 05 06/01/04 0.0000 40156507 O 05/01/34 0 9050429 Y65/G02 F 220,000.00 ZZ 360 220,000.00 1 5.8750 1301.38 53 5.6250 1301.38 NEWCASTLE CA 95658 2 04/29/04 00 0437923857 05 07/01/04 0.0000 40157066 O 06/01/34 0 9050431 Y65/G02 F 122,500.00 ZZ 360 122,500.00 1 5.7500 714.88 36 5.5000 714.88 NEVADA CITY CA 95959 5 05/01/04 00 0437914393 05 07/01/04 0.0000 40150990 O 06/01/34 0 9050435 Y65/G02 F 204,000.00 ZZ 360 203,792.01 1 5.8750 1206.74 50 5.6250 1206.74 CHINO CA 91710 5 04/16/04 00 0437914930 05 06/01/04 0.0000 40151901 O 05/01/34 0 9050443 Y65/G02 F 165,000.00 ZZ 360 164,757.45 2 5.0000 885.76 63 4.7500 885.76 SEATTLE WA 98105 1 04/26/04 00 0437914567 05 06/01/04 0.0000 40148813 N 05/01/34 0 9050449 Y65/G02 F 141,000.00 ZZ 360 140,849.26 1 5.6250 811.68 85 5.3750 811.68 RED BLUFF CA 96080 2 04/22/04 04 0437914617 05 06/01/04 12.0000 40139375 O 05/01/34 0 9050451 Y65/G02 F 206,000.00 ZZ 360 205,779.78 1 5.6250 1185.85 75 5.3750 1185.85 GROVER BEACH CA 93433 2 04/26/04 00 0437911902 09 06/01/04 0.0000 40151431 O 05/01/34 0 9050455 Y65/G02 F 287,000.00 ZZ 360 286,669.91 1 5.5000 1629.55 77 5.2500 1629.55 COLFAX CA 95713 5 04/29/04 00 0437916406 05 06/01/04 0.0000 40151094 O 05/01/34 0 9050461 Y65/G02 F 208,800.00 ZZ 360 208,587.12 1 5.8750 1235.13 80 5.6250 1235.13 SACRAMENTO CA 95841 5 04/23/04 00 0437914369 05 06/01/04 0.0000 40147013 O 05/01/34 0 9050465 Y65/G02 F 308,000.00 ZZ 360 307,678.43 1 5.7500 1797.40 80 5.5000 1797.40 TRUCKEE CA 96161 1 04/30/04 00 0437915721 03 06/01/04 0.0000 40154805 O 05/01/34 0 9050479 Y65/G02 F 185,000.00 ZZ 360 184,797.51 1 5.5000 1050.41 34 5.2500 1050.41 BRISBANE CA 94005 5 04/12/04 00 0437917669 05 06/01/04 0.0000 40142606 N 05/01/34 0 9050481 Y65/G02 F 75,000.00 ZZ 240 74,825.31 1 5.3750 510.63 25 5.1250 510.63 GONZALES CA 93926 5 04/06/04 00 0437916083 05 06/01/04 0.0000 40144392 N 05/01/24 0 9050489 Y65/G02 F 205,000.00 ZZ 360 204,785.97 1 5.7500 1196.32 76 5.5000 1196.32 SACRAMENTO CA 95833 5 04/09/04 00 0437914864 05 06/01/04 0.0000 40144336 O 05/01/34 0 9050523 Y65/G02 F 139,500.00 ZZ 360 139,364.41 1 6.1250 847.62 43 5.8750 847.62 SANTA ANA CA 92704 5 04/22/04 00 0437916307 05 06/01/04 0.0000 40153380 O 05/01/34 0 9050525 Y65/G02 F 175,000.00 ZZ 240 175,000.00 1 5.8750 1241.17 50 5.6250 1241.17 ARLETA CA 91331 5 04/29/04 00 0437916869 05 07/01/04 0.0000 40151491 O 06/01/24 0 9050531 Y65/G02 F 256,800.00 ZZ 360 256,531.88 1 5.7500 1498.62 80 5.5000 1498.62 RIVERSIDE CA 92508 1 04/22/04 00 0437917032 05 06/01/04 0.0000 40152840 O 05/01/34 0 9050537 Y65/G02 F 122,000.00 ZZ 360 121,872.62 1 5.7500 711.96 54 5.5000 711.96 ELK GROVE CA 95624 5 04/14/04 00 0437914237 05 06/01/04 0.0000 40151098 O 05/01/34 0 9050539 Y65/G02 F 326,000.00 ZZ 360 325,643.18 1 5.5000 1850.99 80 5.2500 1850.99 PLAINVIEW NY 11803 1 04/29/04 00 0437916109 05 06/01/04 0.0000 40139888 O 05/01/34 0 9050543 Y65/G02 F 152,500.00 ZZ 240 152,165.02 1 5.8750 1081.59 48 5.6250 1081.59 LA HABRA CA 90631 5 04/21/04 00 0437916174 05 06/01/04 0.0000 40150530 O 05/01/24 0 9050547 Y65/G02 F 284,200.00 ZZ 240 283,575.74 1 5.8750 2015.66 70 5.6250 2015.66 MAPLE GROVE MN 55311 2 04/23/04 00 0437916208 05 06/01/04 0.0000 40151890 O 05/01/24 0 9050559 Y65/G02 F 288,000.00 ZZ 360 287,692.11 1 5.6250 1657.89 80 5.3750 1657.89 BOSSIER CITY LA 71111 5 04/23/04 00 0437915549 03 06/01/04 0.0000 40150095 O 05/01/34 0 9050571 Y65/G02 F 96,000.00 ZZ 240 95,789.13 1 5.8750 680.87 70 5.6250 680.87 APOPKA FL 32703 2 04/29/04 00 0437914641 05 06/01/04 0.0000 40155454 N 05/01/24 0 9050573 Y65/G02 F 377,000.00 ZZ 360 376,606.39 1 5.7500 2200.07 58 5.5000 2200.07 WEST HILLS CA 91307 5 04/26/04 00 0437917123 05 06/01/04 0.0000 40148840 O 05/01/34 0 9050577 Y65/G02 F 393,750.00 ZZ 360 393,367.30 1 6.1250 2392.47 75 5.8750 2392.47 AGOURA HILLS CA 91301 1 04/15/04 00 0437912058 03 06/01/04 0.0000 40149524 N 05/01/34 0 9050593 Y65/G02 F 212,800.00 ZZ 360 212,567.08 1 5.5000 1208.25 80 5.2500 1208.25 CHICO CA 95973 1 04/26/04 00 0437915077 05 06/01/04 0.0000 40150741 O 05/01/34 0 9050595 Y65/G02 F 134,399.00 ZZ 360 134,255.32 1 5.6250 773.68 80 5.3750 773.68 DESERT HOT SPRCA 92240 1 04/22/04 00 0437916893 05 06/01/04 0.0000 40140700 O 05/01/34 0 9050607 Y65/G02 F 90,400.00 ZZ 360 89,701.05 1 5.5000 513.28 78 5.2500 513.28 ELK CITY OK 73644 2 04/12/04 00 0437917511 05 06/01/04 0.0000 40145076 O 05/01/34 0 9051051 T44/G02 F 371,000.00 ZZ 360 371,000.00 1 6.5000 2344.97 79 6.2500 2344.97 PETALUMA CA 94954 5 05/06/04 00 0437902380 05 07/01/04 0.0000 1098519 O 06/01/34 0 9051127 420/G02 F 187,500.00 ZZ 360 187,500.00 1 6.0000 1124.16 75 5.7500 1124.16 COBB CA 95426 1 04/27/04 00 0437914682 05 07/01/04 0.0000 7400541 N 06/01/34 0 9051143 696/G02 F 60,300.00 ZZ 360 60,246.80 1 6.6250 386.11 90 6.3750 386.11 BALTIMORE MD 21216 1 04/29/04 04 0437913262 05 06/01/04 25.0000 26404059 N 05/01/34 0 9051439 Y65/G02 F 170,000.00 ZZ 360 169,830.76 1 6.0000 1019.24 34 5.7500 1019.24 PASADENA CA 91107 2 04/19/04 00 0437917479 05 06/01/04 0.0000 40142647 N 05/01/34 0 9051443 Y65/G02 F 84,000.00 ZZ 360 84,000.00 1 5.8750 496.89 80 5.6250 496.89 GAINESVILLE FL 32605 1 05/05/04 00 0437914666 05 07/01/04 0.0000 40156695 O 06/01/34 0 9051445 Y65/G02 F 294,500.00 ZZ 360 294,192.53 1 5.7500 1718.62 30 5.5000 1718.62 ENCINITAS CA 92024 5 04/22/04 00 0437915895 05 06/01/04 0.0000 40145110 N 05/01/34 0 9051455 Y65/G02 F 161,250.00 ZZ 360 161,114.53 1 6.8750 1059.30 75 6.6250 1059.30 CHICO CA 95926 1 04/20/04 00 0437914286 05 06/01/04 0.0000 40154274 N 05/01/34 0 9051461 Y65/G02 F 304,000.00 ZZ 360 303,634.73 1 5.0000 1631.94 80 4.7500 1631.94 GRANITE BAY CA 95746 1 04/20/04 00 0437916018 09 06/01/04 0.0000 40145421 O 05/01/34 0 9051481 Y65/G02 F 63,000.00 ZZ 360 63,000.00 1 6.5000 398.20 70 6.2500 398.20 ORANGE PARK FL 32073 5 05/07/04 00 0437915689 05 07/01/04 0.0000 40157127 N 06/01/34 0 9051493 Y65/G02 F 198,000.00 ZZ 360 197,798.13 1 5.8750 1171.24 68 5.6250 1171.24 FAIRFIELD CA 94533 2 04/22/04 00 0437916620 05 06/01/04 0.0000 40148208 N 05/01/34 0 9051537 Y65/G02 F 180,000.00 ZZ 360 179,816.48 2 5.8750 1064.77 80 5.6250 1064.77 GRIDLEY CA 95948 1 04/20/04 00 0437914328 05 06/01/04 0.0000 40143109 N 05/01/34 0 9051541 Y65/G02 F 333,700.00 ZZ 360 333,351.60 2 5.7500 1947.38 52 5.5000 1947.38 SAN JOSE CA 95117 2 04/15/04 00 0437916059 05 06/01/04 0.0000 40140794 N 05/01/34 0 9051549 Y65/G02 F 360,000.00 ZZ 360 359,632.96 1 5.8750 2129.54 80 5.6250 2129.54 LONGMEADOW MA 01106 5 04/28/04 00 0437914278 05 06/01/04 0.0000 40148115 O 05/01/34 0 9051553 Y65/G02 F 464,750.00 ZZ 360 464,276.17 2 5.8750 2749.17 65 5.6250 2749.17 MILL VALLEY CA 94941 1 04/16/04 00 0437914195 05 06/01/04 0.0000 40149190 N 05/01/34 0 9051569 Y65/G02 F 232,000.00 ZZ 360 232,000.00 1 5.6250 1335.52 80 5.3750 1335.52 MANASSAS VA 20109 1 05/05/04 00 0437923105 09 07/01/04 0.0000 40151849 O 06/01/34 0 9051577 Y65/G02 F 137,000.00 ZZ 360 136,866.84 1 6.1250 832.43 19 5.8750 832.43 SANTA BARBARA CA 93111 5 04/26/04 00 0437914831 05 06/01/04 0.0000 40153355 N 05/01/34 0 9051581 Y65/G02 F 240,000.00 ZZ 360 239,755.31 1 5.8750 1419.69 65 5.6250 1419.69 SANTA ROSA BEAFL 32459 5 04/23/04 00 0437914609 05 06/01/04 0.0000 40152761 O 05/01/34 0 9051585 Y65/G02 F 272,000.00 ZZ 360 271,709.21 1 5.6250 1565.79 79 5.3750 1565.79 LINO LAKES MN 55014 5 04/23/04 00 0437918261 05 06/01/04 0.0000 40135760 O 05/01/34 0 9051639 Y65/G02 F 217,000.00 ZZ 360 216,749.24 1 5.8750 1283.64 58 5.6250 1283.64 FARMINGVILLE NY 11738 5 04/23/04 00 0437913585 05 06/01/04 0.0000 40152760 O 05/01/34 0 9051647 Y65/G02 F 180,400.00 ZZ 360 179,915.77 1 5.7500 1052.77 76 5.5000 1052.77 SAMMAMISH WA 98074 5 04/21/04 00 0437915010 05 06/01/04 0.0000 40140974 O 05/01/34 0 9051651 Y65/G02 F 280,000.00 ZZ 360 279,714.52 1 5.8750 1656.31 73 5.6250 1656.31 GARDENA CA 90249 5 04/23/04 00 0437915408 05 06/01/04 0.0000 40154225 O 05/01/34 0 9051655 Y65/G02 F 312,000.00 ZZ 360 311,681.90 1 5.8750 1845.60 37 5.6250 1845.60 DANA POINT CA 92629 2 04/27/04 00 0437914732 03 06/01/04 0.0000 40152419 O 05/01/34 0 9051675 Y65/G02 F 114,800.00 ZZ 360 114,682.95 1 5.8750 679.09 70 5.6250 679.09 DE FOREST WI 53532 5 04/30/04 00 0437916521 05 06/01/04 0.0000 40151830 O 05/01/34 0 9051677 Y65/G02 F 280,000.00 ZZ 360 279,714.52 1 5.8750 1656.31 54 5.6250 1656.31 CLAREMONT CA 91711 5 04/23/04 00 0437915630 05 06/01/04 0.0000 40148699 O 05/01/34 0 9051689 Y65/G02 F 98,000.00 ZZ 300 97,855.84 2 5.8750 623.95 47 5.6250 623.95 POUGHKEEPSIE NY 12601 5 04/26/04 00 0437913833 05 06/01/04 0.0000 N05223 N 05/01/29 0 9051703 Y65/G02 F 487,000.00 ZZ 360 486,028.19 1 5.7500 2842.00 71 5.5000 2842.00 SCOTTSDALE AZ 85260 2 04/28/04 00 0437917180 03 06/01/04 0.0000 40145210 O 05/01/34 0 9051707 Y65/G02 F 720,000.00 ZZ 360 720,000.00 1 5.8750 4259.07 60 5.6250 4259.07 LOS ANGELES CA 90049 2 05/03/04 00 0437914815 05 07/01/04 0.0000 40153535 O 06/01/34 0 9051729 Y65/G02 F 156,640.00 ZZ 360 156,476.46 1 5.7500 914.11 88 5.5000 914.11 NEW BRAUNFELS TX 78130 1 04/28/04 11 0437923766 03 06/01/04 25.0000 40151591 O 05/01/34 0 9051731 Y65/G02 F 650,000.00 ZZ 360 649,337.29 1 5.8750 3845.00 69 5.6250 3845.00 LONG BEACH CA 90807 5 04/28/04 00 0437914583 03 06/01/04 0.0000 40155298 O 05/01/34 0 9051733 Y65/G02 F 268,500.00 ZZ 360 268,226.25 1 5.8750 1588.28 41 5.6250 1588.28 SUMMERLAND CA 93067 2 04/13/04 00 0437916356 05 06/01/04 0.0000 40146433 N 05/01/34 0 9051735 Y65/G02 F 140,000.00 ZZ 360 140,000.00 1 6.1250 850.66 80 5.8750 850.66 MISSOURI CITY TX 77459 2 04/29/04 00 0437917107 03 07/01/04 0.0000 40150695 O 06/01/34 0 9051737 Y65/G02 F 247,500.00 ZZ 360 247,241.60 1 5.7500 1444.34 54 5.5000 1444.34 AUSTIN TX 78738 5 04/21/04 00 0437917271 05 06/01/04 0.0000 40144512 O 05/01/34 0 9051741 Y65/G02 F 193,500.00 ZZ 360 193,267.86 1 5.8750 1144.63 90 5.6250 1144.63 PRYOR OK 74361 1 04/26/04 10 0437917263 05 06/01/04 25.0000 40153815 O 05/01/34 0 9051745 Y65/G02 F 307,800.00 ZZ 360 307,521.74 1 6.5000 1945.51 90 6.2500 1945.51 CHICAGO IL 60634 1 04/27/04 12 0437915051 05 06/01/04 25.0000 40144977 O 05/01/34 0 9051755 Y65/G02 F 78,000.00 ZZ 360 77,925.99 2 6.2500 480.26 75 6.0000 480.26 CINCINNATI OH 45229 5 04/29/04 00 0437915028 05 06/01/04 0.0000 40155422 N 05/01/34 0 9051765 Y65/G02 F 398,000.00 ZZ 360 397,594.21 1 5.8750 2354.33 71 5.6250 2354.33 KATY TX 77450 2 04/26/04 00 0437913593 03 06/01/04 0.0000 40147089 O 05/01/34 0 9051773 Y65/G02 F 116,000.00 ZZ 360 115,858.47 1 6.5000 733.20 80 6.2500 733.20 PHOENIX AZ 85037 1 04/26/04 00 0437923980 03 06/01/04 0.0000 40153686 N 05/01/34 0 9051781 Y65/G02 F 70,300.00 ZZ 360 70,230.01 1 6.0000 421.49 80 5.7500 421.49 ROUND ROCK TX 78664 1 04/29/04 00 0437915747 05 06/01/04 0.0000 40155850 N 05/01/34 0 9051805 Y65/G02 F 518,000.00 ZZ 360 518,000.00 1 5.6250 2981.90 72 5.3750 2981.90 WADING RIVER NY 11792 1 05/06/04 00 0437917792 05 07/01/04 0.0000 40150404 O 06/01/34 0 9051807 Y65/G02 F 252,000.00 ZZ 360 251,710.95 1 5.2500 1391.55 80 5.0000 1391.55 VERO BEACH FL 32963 1 04/30/04 00 0437915044 05 06/01/04 0.0000 40148608 O 05/01/34 0 9051813 Y65/G02 F 74,400.00 ZZ 360 74,331.09 1 6.3750 464.16 80 6.1250 464.16 CINCINNATI OH 45225 5 04/29/04 00 0437914229 05 06/01/04 0.0000 40155430 N 05/01/34 0 9051825 Y65/G02 F 533,000.00 ZZ 360 532,402.75 1 5.3750 2984.65 65 5.1250 2984.65 REDONDO BEACH CA 90277 5 04/20/04 00 0437917818 05 06/01/04 0.0000 40149447 N 05/01/34 0 9052287 E22/G02 F 182,400.00 ZZ 360 182,400.00 1 6.3750 1137.94 80 6.1250 1137.94 FORT WAYNE IN 46818 5 05/20/04 00 0420444028 05 07/01/04 0.0000 0420444028 O 06/01/34 0 9052363 E22/G02 F 63,000.00 ZZ 360 63,000.00 3 7.2500 429.77 90 7.0000 429.77 WILLIAMSPORT PA 17701 1 05/25/04 04 0420510224 05 07/01/04 25.0000 0420510224 N 06/01/34 0 9052647 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 6.8750 394.16 80 6.6250 394.16 PUEBLO CO 81001 2 05/25/04 00 0420971590 05 07/01/04 0.0000 0420971590 N 06/01/34 0 9053173 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.3750 1559.67 52 6.1250 1559.67 ARROYO GRANDE CA 93420 5 05/14/04 00 0419579057 05 07/01/04 0.0000 0419579057 O 06/01/34 0 9053243 E22/G02 F 105,600.00 ZZ 360 105,600.00 1 6.8750 693.72 80 6.6250 693.72 BOCA RATON FL 33433 1 05/13/04 00 0420582421 01 07/01/04 0.0000 0420582421 N 06/01/34 0 9056257 962/G02 F 127,700.00 ZZ 360 127,700.00 4 6.7500 828.26 90 6.5000 828.26 FARGO ND 58102 1 05/26/04 04 0437923899 05 07/01/04 25.0000 10010330100003 N 06/01/34 0 9057057 E86/G02 F 68,300.00 ZZ 360 68,157.04 1 5.7500 398.58 90 5.5000 398.58 MARTINEZ GA 30907 1 03/26/04 11 0437913668 05 05/01/04 25.0000 530410 O 04/01/34 0 9057071 E86/G02 F 310,000.00 ZZ 360 309,676.34 1 5.7500 1809.08 78 5.5000 1809.08 NUEVO CA 92567 1 04/07/04 00 0437907207 05 06/01/04 0.0000 518130 O 05/01/34 0 9057083 E86/G02 F 175,000.00 ZZ 360 174,803.90 1 5.3750 979.95 73 5.1250 979.95 HENDERSON NV 89015 1 04/16/04 00 0437913254 05 06/01/04 0.0000 519986 O 05/01/34 0 9057087 E86/G02 F 126,000.00 ZZ 360 125,043.53 1 6.0000 755.43 87 5.7500 755.43 CAPE FAIR MO 65624 1 03/27/04 04 0437913874 05 05/01/04 25.0000 520777 N 04/01/34 0 9057091 E86/G02 F 333,000.00 ZZ 360 332,652.33 1 5.7500 1943.30 90 5.5000 1943.30 MESA AZ 85207 1 04/14/04 01 0437911589 03 06/01/04 25.0000 518543 O 05/01/34 0 9057093 E86/G02 F 121,000.00 ZZ 360 120,740.69 1 5.6250 696.54 89 5.3750 696.54 MYRTLE BEACH OR 97457 1 03/17/04 11 0437914526 05 05/01/04 25.0000 519823 N 04/01/34 0 9057095 E86/G02 F 75,000.00 ZZ 360 74,850.31 1 6.0000 449.66 67 5.7500 449.66 MESA AZ 85206 1 03/25/04 00 0437906902 09 05/01/04 0.0000 526983 O 04/01/34 0 9058353 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.3750 2495.48 80 6.1250 2495.48 PUEBLO CO 81004 2 05/21/04 00 0420417206 05 07/01/04 0.0000 0420417206 O 06/01/34 0 9058367 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.7500 1037.76 80 6.5000 1037.76 CLEARWATER FL 33764 5 05/27/04 00 0420432163 05 07/01/04 0.0000 0420432163 N 06/01/34 0 9058375 E22/G02 F 89,900.00 ZZ 360 89,900.00 2 7.7500 644.05 90 7.5000 644.05 ANDERSON SC 29624 1 05/27/04 04 0420572091 05 07/01/04 25.0000 0420572091 N 06/01/34 0 9058383 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.5000 1232.53 56 6.2500 1232.53 RANCHO MIRAGE CA 92270 5 05/19/04 00 0420583239 03 07/01/04 0.0000 0420583239 O 06/01/34 0 9058407 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 5.8750 733.51 80 5.6250 733.51 TOPEKA KS 66614 1 05/27/04 00 0420605883 05 07/01/04 0.0000 0420605883 O 06/01/34 0 9058451 E22/G02 F 66,000.00 ZZ 360 66,000.00 1 7.0000 439.10 90 6.7500 439.10 PASCAGOULA MS 39567 2 05/27/04 01 0420633943 05 07/01/04 25.0000 0420633943 N 06/01/34 0 9058519 E22/G02 F 140,250.00 ZZ 360 140,250.00 4 6.1250 852.17 85 5.8750 852.17 OGDEN UT 84403 2 05/19/04 10 0420679201 05 07/01/04 12.0000 0420679201 O 06/01/34 0 9058577 E22/G02 F 205,200.00 ZZ 360 205,200.00 1 6.7500 1330.92 80 6.5000 1330.92 HOUSTON TX 77096 1 05/25/04 00 0420659393 03 07/01/04 0.0000 0420659393 N 06/01/34 0 9058661 E22/G02 F 120,800.00 ZZ 360 120,800.00 2 6.8750 793.57 80 6.6250 793.57 NEW ORLEANS LA 70119 2 05/27/04 00 0420741555 05 07/01/04 0.0000 0420741555 N 06/01/34 0 9058665 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.7500 1375.03 80 6.5000 1375.03 CLEARWATER FL 33764 5 05/27/04 00 0420741860 05 07/01/04 0.0000 0420741860 N 06/01/34 0 9058715 E22/G02 F 256,000.00 TX 360 256,000.00 1 6.2500 1576.24 80 6.0000 1576.24 SAN ANTONIO TX 78229 5 05/20/04 00 0420835340 05 07/01/04 0.0000 0420835340 O 06/01/34 0 9058721 E22/G02 F 156,800.00 ZZ 360 156,800.00 1 6.7500 1017.00 80 6.5000 1017.00 CLEARWATER FL 33764 5 05/27/04 00 0420839433 05 07/01/04 0.0000 0420839433 N 06/01/34 0 9058725 E22/G02 F 185,600.00 ZZ 360 185,600.00 1 6.7500 1203.80 80 6.5000 1203.80 CLEARWATER FL 33764 5 05/27/04 00 0420839466 05 07/01/04 0.0000 0420839466 N 06/01/34 0 9058741 E22/G02 F 85,500.00 ZZ 360 85,500.00 1 6.6250 547.47 80 6.3750 547.47 NASHVILLE TN 37206 2 05/27/04 00 0420846743 05 07/01/04 0.0000 0420846743 N 06/01/34 0 9058843 E22/G02 F 89,900.00 ZZ 360 89,900.00 2 7.7500 644.05 90 7.5000 644.05 ANDERSON SC 29624 1 05/27/04 04 0420795718 05 07/01/04 25.0000 0420795718 N 06/01/34 0 9058893 E22/G02 F 74,400.00 ZZ 360 74,400.00 1 6.3750 464.16 80 6.1250 464.16 BIRMINGHAM AL 35205 1 05/27/04 00 0420808909 05 07/01/04 0.0000 0420808909 N 06/01/34 0 9058959 E22/G02 F 193,500.00 ZZ 360 193,500.00 4 7.8750 1403.01 90 7.6250 1403.01 NORFOLK VA 23518 1 05/26/04 04 0420971525 05 07/01/04 25.0000 0420971525 N 06/01/34 0 9058991 E22/G02 F 134,250.00 ZZ 360 134,250.00 1 6.3750 837.55 75 6.1250 837.55 BELLINGHAM WA 98225 1 05/24/04 00 0420869125 05 07/01/04 0.0000 0420869125 N 06/01/34 0 9059011 E82/G02 F 82,750.00 ZZ 360 82,750.00 2 6.7500 536.71 72 6.5000 536.71 ROUND ROCK TX 78664 2 05/26/04 00 0400986873 05 07/01/04 0.0000 0400986873 N 06/01/34 0 9059015 E82/G02 F 81,850.00 ZZ 360 81,850.00 2 6.7500 530.88 69 6.5000 530.88 ROUND ROCK TX 78664 2 05/26/04 00 0400986931 05 07/01/04 0.0000 0400986931 N 06/01/34 0 9059057 E22/G02 F 109,800.00 ZZ 360 109,800.00 4 7.3750 758.36 90 7.1250 758.36 SLIDELL LA 70461 1 05/27/04 01 0420889313 05 07/01/04 25.0000 0420889313 N 06/01/34 0 9059085 E82/G02 F 67,200.00 ZZ 360 67,200.00 2 6.8750 441.46 58 6.6250 441.46 BURLESON TX 76028 2 05/20/04 00 0400978417 05 07/01/04 0.0000 0400978417 N 06/01/34 0 9059087 E82/G02 F 64,100.00 ZZ 360 64,100.00 2 6.8750 421.09 58 6.6250 421.09 BURLESON TX 76028 2 05/20/04 00 0400978425 05 07/01/04 0.0000 0400978425 N 06/01/34 0 9059091 E22/G02 F 87,000.00 ZZ 360 87,000.00 1 6.8750 571.53 80 6.6250 571.53 COLORADO SPRINCO 80906 5 05/25/04 00 0420897886 05 07/01/04 0.0000 0420897886 N 06/01/34 0 9059135 E22/G02 F 155,000.00 ZZ 360 155,000.00 1 6.6250 992.48 94 6.3750 992.48 PORT ORCHARD WA 98367 2 05/20/04 04 0420720237 05 07/01/04 30.0000 0420720237 O 06/01/34 0 9059257 E82/G02 F 164,800.00 ZZ 360 164,800.00 1 6.5000 1041.65 50 6.2500 1041.65 BOULDER CO 80303 2 05/24/04 00 0400986485 05 07/01/04 0.0000 0400986485 N 06/01/34 0 9059305 E22/G02 F 224,900.00 ZZ 360 224,900.00 1 7.0000 1496.27 90 6.7500 1496.27 BRYSON CITY NC 28713 1 05/27/04 10 0420956807 05 07/01/04 30.0000 0420956807 O 06/01/34 0 9059415 E22/G02 F 100,200.00 ZZ 360 100,200.00 1 6.0000 600.75 80 5.7500 600.75 POMPANO BEACH FL 33060 1 05/25/04 00 0420466047 05 07/01/04 0.0000 0420466047 N 06/01/34 0 9059541 E22/G02 F 121,500.00 ZZ 360 121,500.00 1 7.1250 818.57 90 6.8750 818.57 VIRGINIA BEACHVA 23462 1 05/27/04 04 0420972242 09 07/01/04 25.0000 0420972242 N 06/01/34 0 9059569 E22/G02 F 159,000.00 ZZ 360 159,000.00 1 6.0000 953.29 53 5.7500 953.29 ANTIOCH CA 94509 2 05/17/04 00 0420861544 05 07/01/04 0.0000 0420861544 O 06/01/34 0 9059605 E22/G02 F 250,321.00 ZZ 360 250,321.00 1 6.7500 1623.58 90 6.5000 1623.58 LAS VEGAS NV 89148 1 05/20/04 10 0420867814 03 07/01/04 35.0000 0420867814 N 06/01/34 0 9059721 E22/G02 F 40,000.00 ZZ 360 40,000.00 1 6.7500 259.44 80 6.5000 259.44 SHEFFIELD AL 35660 5 05/21/04 00 0420872855 05 07/01/04 0.0000 0420872855 O 06/01/34 0 9061773 E22/G02 F 155,700.00 ZZ 360 155,700.00 4 6.8750 1022.84 90 6.6250 1022.84 NEW ORLEANS LA 70131 1 05/28/04 10 0421025248 05 07/01/04 25.0000 0421025248 N 06/01/34 0 9061841 Y65/G02 F 99,000.00 ZZ 360 98,963.24 1 5.3750 554.37 69 5.1250 554.37 NAZARETH PA 18064 5 04/20/04 00 0437916828 05 06/01/04 0.0000 40137756 O 05/01/34 0 9061843 E22/G02 F 155,700.00 ZZ 360 155,700.00 4 6.8750 1022.84 90 6.6250 1022.84 NEW ORLEANS LA 70131 1 05/28/04 10 0421001595 05 07/01/04 25.0000 0421001595 N 06/01/34 0 9061845 E22/G02 F 106,290.00 ZZ 360 106,290.00 1 7.3750 734.12 90 7.1250 734.12 LAPEER MI 48446 1 05/28/04 04 0421002650 05 07/01/04 25.0000 0421002650 N 06/01/34 0 9062121 E22/G02 F 207,000.00 ZZ 360 207,000.00 4 7.5000 1447.37 90 7.2500 1447.37 FT LAUDERDALE FL 33312 1 05/28/04 01 0420943748 05 07/01/04 25.0000 0420943748 N 06/01/34 0 9062161 E22/G02 F 115,380.00 ZZ 360 115,380.00 2 7.5000 806.75 90 7.2500 806.75 LAPEER MI 48446 1 05/28/04 04 0420958175 05 07/01/04 25.0000 0420958175 N 06/01/34 0 9062359 E22/G02 F 131,000.00 ZZ 360 131,000.00 1 6.8750 860.58 75 6.6250 860.58 FORT COLLINS CO 80526 1 05/28/04 00 0420913238 05 07/01/04 0.0000 0420913238 N 06/01/34 0 9063177 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.8750 814.59 80 6.6250 814.59 WINTON CA 95388 5 05/20/04 00 0420898223 05 07/01/04 0.0000 0420898223 O 06/01/34 0 9063195 E22/G02 F 70,000.00 ZZ 360 70,000.00 2 7.8750 507.55 78 7.6250 507.55 SAGINAW MI 48062 5 05/28/04 00 0420880239 05 07/01/04 0.0000 0420880239 N 06/01/34 0 9063205 E22/G02 F 95,200.00 ZZ 360 95,200.00 1 6.8750 625.40 80 6.6250 625.40 CLERMONT FL 34711 1 05/28/04 00 0420882847 05 07/01/04 0.0000 0420882847 N 06/01/34 0 9063227 H29/G02 F 228,000.00 ZZ 360 227,788.83 1 6.3750 1422.42 70 6.1250 1422.42 HOPKINTON MA 01748 5 04/26/04 00 0437921646 05 06/01/04 0.0000 7700136783 O 05/01/34 0 9063237 H29/G02 F 423,500.00 ZZ 360 423,098.17 1 6.2500 2607.56 70 6.0000 2607.56 LUNENBURG MA 01462 5 04/22/04 00 0437921158 05 06/01/04 0.0000 7700136165 O 05/01/34 0 9063257 H29/G02 F 75,100.00 ZZ 360 75,027.00 1 6.1250 456.32 74 5.8750 456.32 OWATONNA MN 55060 5 04/23/04 00 0437923667 05 06/01/04 0.0000 7700136976 O 05/01/34 0 9063261 H29/G02 F 110,000.00 ZZ 360 109,885.15 2 5.7500 641.93 42 5.5000 641.93 ATLANTA GA 30307 5 04/27/04 00 0437918337 05 06/01/04 0.0000 7700136911 O 05/01/34 0 9063283 H29/G02 F 270,000.00 ZZ 360 269,778.68 2 7.0000 1796.32 78 6.7500 1796.32 BROCKTON MA 02301 1 04/22/04 00 0437923022 05 06/01/04 0.0000 7700135913 O 05/01/34 0 9063315 H29/G02 F 175,000.00 ZZ 360 174,821.58 1 5.8750 1035.19 75 5.6250 1035.19 NEW BEDFORD MA 02740 5 04/20/04 00 0437921232 05 06/01/04 0.0000 7700136983 O 05/01/34 0 9063337 H29/G02 F 154,000.00 ZZ 360 153,842.99 1 5.8750 910.97 70 5.6250 910.97 HILTON HEAD ISSC 29926 1 04/30/04 00 0437921950 03 06/01/04 0.0000 7700232049 O 05/01/34 0 9063353 H29/G02 F 110,000.00 ZZ 360 109,893.09 1 6.1250 668.37 33 5.8750 668.37 NORWOOD MA 02062 5 04/23/04 00 0437923469 05 06/01/04 0.0000 7700137345 O 05/01/34 0 9063365 H29/G02 F 168,670.00 ZZ 360 168,670.00 1 5.8750 997.75 56 5.6250 997.75 SALEM NH 03079 5 05/04/04 00 0437921497 05 07/01/04 0.0000 7700137506 O 06/01/34 0 9063399 H29/G02 F 168,000.00 ZZ 360 167,851.78 1 6.6250 1075.72 77 6.3750 1075.72 BRENTWOOD NH 03833 1 04/30/04 00 0437922040 05 06/01/04 0.0000 7700137938 O 05/01/34 0 9063403 H29/G02 F 239,500.00 ZZ 360 239,255.82 3 5.8750 1416.73 57 5.6250 1416.73 EAST BOSTON MA 02128 5 04/29/04 00 0437923543 05 06/01/04 0.0000 7700137940 N 05/01/34 0 9063431 H29/G02 F 108,000.00 ZZ 360 107,884.54 1 5.6250 621.71 23 5.3750 621.71 BOSTON MA 02108 2 04/16/04 00 0437917719 08 06/01/04 0.0000 7700136207 O 05/01/34 0 9063443 H29/G02 F 110,000.00 ZZ 360 109,887.85 1 5.8750 650.69 37 5.6250 650.69 BEVERLY MA 01915 5 04/26/04 00 0437920994 05 06/01/04 0.0000 7700136761 N 05/01/34 0 9063455 H29/G02 F 100,000.00 ZZ 360 99,895.60 1 5.7500 583.57 25 5.5000 583.57 BEVERLY MA 01915 5 04/30/04 00 0437921505 05 06/01/04 0.0000 7700137562 N 05/01/34 0 9063467 H29/G02 F 185,000.00 ZZ 360 184,824.46 1 6.2500 1139.08 70 6.0000 1139.08 EAST BRIDGEWATMA 02333 5 05/03/04 00 0437923691 05 06/01/04 0.0000 7700137888 O 05/01/34 0 9063497 H29/G02 F 184,800.00 ZZ 360 184,800.00 2 6.3750 1152.91 75 6.1250 1152.91 WHITE BEAR TOWMN 55110 5 05/05/04 00 0437925654 05 07/01/04 0.0000 7700137355 N 06/01/34 0 9063563 H29/G02 F 295,000.00 ZZ 360 294,733.32 2 6.5000 1864.60 61 6.2500 1864.60 MEDFORD MA 02155 5 05/07/04 00 0437919178 05 06/01/04 0.0000 7700137745 N 05/01/34 0 9063605 E22/G02 F 176,000.00 ZZ 360 176,000.00 2 6.5000 1112.44 80 6.2500 1112.44 AUSTIN TX 78724 2 05/28/04 00 0420799785 05 07/01/04 0.0000 0420799785 N 06/01/34 0 9063681 E22/G02 F 116,910.00 ZZ 360 116,910.00 4 7.5000 817.45 90 7.2500 817.45 IRVING TX 75061 1 05/28/04 10 0420783086 05 07/01/04 25.0000 0420783086 N 06/01/34 0 9064005 U05/G02 F 575,000.00 TX 360 575,000.00 1 6.7500 3729.44 72 6.5000 3729.44 AUSTIN TX 78730 5 05/20/04 00 0437922552 05 07/01/04 0.0000 3000594370 O 06/01/34 0 9064249 E22/G02 F 207,000.00 ZZ 360 207,000.00 1 6.6250 1325.44 86 6.3750 1325.44 BLACKLICK OH 43004 5 05/24/04 01 0420715708 05 07/01/04 25.0000 0420715708 O 06/01/34 0 9064261 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 6.2500 566.46 80 6.0000 566.46 WESTWEGAO LA 70094 2 05/24/04 00 0420718397 05 07/01/04 0.0000 0420718397 O 06/01/34 0 9064345 L14/G02 F 162,000.00 ZZ 360 161,826.81 1 5.6250 932.57 65 5.3750 932.57 LOWELL MA 01854 2 04/16/04 00 0437931413 05 06/01/04 0.0000 215755297 O 05/01/34 0 9064351 E22/G02 F 160,000.00 ZZ 360 160,000.00 2 6.8750 1051.09 80 6.6250 1051.09 AUSTIN TX 78735 5 05/28/04 00 0420693814 05 07/01/04 0.0000 0420693814 N 06/01/34 0 9064367 E22/G02 F 256,500.00 ZZ 360 256,500.00 1 6.5000 1621.25 95 6.2500 1621.25 GASTONIA NC 28056 2 05/24/04 01 0420700114 03 07/01/04 30.0000 0420700114 O 06/01/34 0 9064369 L14/G02 F 55,000.00 ZZ 360 54,941.19 1 5.6250 316.62 40 5.3750 316.62 SCOTTSDALE AZ 85257 2 04/13/04 00 0437931678 05 06/01/04 0.0000 224501041 N 05/01/34 0 9064531 L14/G02 F 266,000.00 ZZ 360 265,722.27 1 5.7500 1552.31 80 5.5000 1552.31 SILVER SPRINGSMD 20905 1 04/28/04 00 0437925852 05 06/01/04 0.0000 205837971 O 05/01/34 0 9064545 L14/G02 F 137,600.00 ZZ 360 137,459.71 1 5.8750 813.96 80 5.6250 813.96 WATERFORD CA 95386 5 04/20/04 00 0437936065 05 06/01/04 0.0000 214407907 O 05/01/34 0 9064683 E22/G02 F 128,250.00 ZZ 360 128,250.00 1 5.8750 758.65 95 5.6250 758.65 KILLEN AL 35645 1 05/28/04 10 0420588634 05 07/01/04 30.0000 0420588634 O 06/01/34 0 9064779 H29/G02 F 173,000.00 ZZ 360 172,843.60 1 6.5000 1093.48 79 6.2500 1093.48 NEW BEDFORD MA 02745 2 04/26/04 00 0437923493 05 06/01/04 0.0000 7700136967 O 05/01/34 0 9064899 758/G02 F 178,800.00 ZZ 360 178,800.00 1 6.6250 1144.88 80 6.3750 1144.88 HOUSTON TX 77055 1 05/12/04 00 0437940307 05 07/01/04 0.0000 1330000208 N 06/01/34 0 9064939 L14/G02 F 110,050.00 ZZ 360 109,932.35 1 5.6250 633.51 69 5.3750 633.51 OVIEDO FL 32765 1 04/12/04 00 0437942626 09 06/01/04 0.0000 100625244 O 05/01/34 0 9065031 E22/G02 F 78,300.00 ZZ 360 78,300.00 1 6.8750 514.38 90 6.6250 514.38 MANHATTAN KS 66502 1 05/28/04 10 0420518805 05 07/01/04 25.0000 0420518805 N 06/01/34 0 9065045 L14/G02 F 81,000.00 ZZ 360 80,915.43 1 5.7500 472.70 74 5.5000 472.70 RACINE WI 53405 5 04/26/04 00 0437931934 05 06/01/04 0.0000 207964570 O 05/01/34 0 9065077 L14/G02 F 178,500.00 ZZ 360 178,338.63 1 6.5000 1128.25 56 6.2500 1128.25 BOCA RATON FL 33498 2 04/19/04 00 0437929474 03 06/01/04 0.0000 202316658 O 05/01/34 0 9065135 L14/G02 F 84,500.00 ZZ 360 84,411.78 1 5.7500 493.12 72 5.5000 493.12 WINSTON SALEM NC 27107 2 04/15/04 00 0437926280 05 06/01/04 0.0000 231105201 O 05/01/34 0 9065139 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.7500 441.05 80 6.5000 441.05 POCASSET OK 73079 5 05/24/04 00 0420433310 05 07/01/04 0.0000 0420433310 O 06/01/34 0 9066411 696/G02 F 333,700.00 ZZ 360 333,700.00 1 6.3750 2081.85 53 6.1250 2081.85 WASHINGTON DC 20015 2 05/21/04 00 0437925399 05 07/01/04 0.0000 31204139 N 06/01/34 0 9066523 L14/G02 F 125,000.00 ZZ 360 124,872.55 1 5.8750 739.43 52 5.6250 739.43 DENVER CO 80210 5 04/27/04 00 0437939259 05 06/01/04 0.0000 232603630 N 05/01/34 0 9066525 L14/G02 F 198,150.00 T 360 197,961.98 1 6.2500 1220.05 80 6.0000 1220.05 LAS VEGAS NV 89143 1 04/07/04 00 0437925589 03 06/01/04 0.0000 134301484 O 05/01/34 0 9066539 L14/G02 F 158,650.00 ZZ 360 158,506.57 1 6.5000 1002.78 95 6.2500 1002.78 MARGATE FL 33068 1 04/26/04 11 0437927981 05 06/01/04 30.0000 202316572 O 05/01/34 0 9066545 L14/G02 F 156,250.00 ZZ 360 156,105.28 1 6.3750 974.80 80 6.1250 974.80 NORTH LAS VEGANV 89086 1 04/19/04 00 0437925597 03 06/01/04 0.0000 134302333 O 05/01/34 0 9066563 L14/G02 F 192,000.00 ZZ 360 191,799.54 1 5.7500 1120.46 80 5.5000 1120.46 KENT WA 98032 5 04/12/04 00 0437930365 05 06/01/04 0.0000 220625774 O 05/01/34 0 9066573 L14/G02 F 225,000.00 ZZ 360 224,770.59 1 5.8750 1330.97 75 5.6250 1330.97 ASHBURN VA 20148 5 04/28/04 00 0437931264 09 06/01/04 0.0000 205837831 N 05/01/34 0 9066577 L14/G02 F 145,000.00 ZZ 360 144,848.60 1 5.7500 846.19 54 5.5000 846.19 BIG BEAR CITY CA 92314 1 04/06/04 00 0437924889 05 06/01/04 0.0000 216722194 O 05/01/34 0 9066579 L14/G02 F 417,200.00 ZZ 360 416,732.50 3 5.3750 2336.21 63 5.1250 2336.21 SEATTLE WA 98144 2 04/12/04 00 0437929417 05 06/01/04 0.0000 220625576 N 05/01/34 0 9066605 L14/G02 F 200,000.00 ZZ 360 199,800.89 1 6.0000 1199.11 39 5.7500 1199.11 OAKLAND CA 94607 1 04/22/04 00 0437924905 01 06/01/04 0.0000 217330122 N 05/01/34 0 9066641 L14/G02 F 57,950.00 ZZ 360 57,888.04 1 5.6250 333.60 46 5.3750 333.60 PAYSON AZ 85541 2 04/27/04 00 0437929706 05 06/01/04 0.0000 224501042 N 05/01/34 0 9066645 L14/G02 F 275,000.00 ZZ 360 274,712.88 1 5.7500 1604.83 47 5.5000 1604.83 ALDIE VA 20105 1 04/16/04 00 0437924871 03 06/01/04 0.0000 101716875 O 05/01/34 0 9066705 L14/G02 F 124,000.00 ZZ 360 123,870.53 1 5.7500 723.64 80 5.5000 723.64 CORPUS CHRISTITX 78418 1 04/22/04 00 0437928385 09 06/01/04 0.0000 211040527 N 05/01/34 0 9066717 L14/G02 F 75,000.00 ZZ 360 74,915.96 1 5.3750 419.98 49 5.1250 419.98 BRADENTON FL 34210 1 04/23/04 00 0437930282 01 06/01/04 0.0000 205450334 O 05/01/34 0 9067047 S27/G02 F 85,500.00 ZZ 360 85,500.00 1 6.8750 561.68 90 6.6250 561.68 PALM BAY FL 32909 1 05/25/04 10 0437918683 05 07/01/04 25.0000 1010037277 N 06/01/34 0 9067881 T23/G02 F 105,000.00 ZZ 360 105,000.00 2 6.8750 689.78 75 6.6250 689.78 DAYTON OH 45407 5 05/28/04 00 0437946478 05 07/01/04 0.0000 7553 N 06/01/34 0 9068163 M07/G02 F 274,972.00 ZZ 360 274,972.00 1 6.3750 1715.47 73 6.1250 1715.47 FONTANA CA 92336 5 05/21/04 00 0437925993 05 07/01/04 0.0000 02405099 N 06/01/34 0 9068239 A52/G02 F 130,000.00 ZZ 360 130,000.00 1 6.6250 832.40 80 6.3750 832.40 FAYETTEVILLE GA 30215 5 05/25/04 00 0437936701 05 07/01/04 0.0000 29800 O 06/01/34 0 9068503 E82/G02 F 169,000.00 ZZ 360 169,000.00 4 6.5000 1068.19 73 6.2500 1068.19 NORTH POLE AK 99705 2 05/27/04 00 0400975363 05 07/01/04 0.0000 0400975363 N 06/01/34 0 9068577 E22/G02 F 148,800.00 ZZ 360 148,800.00 1 6.3750 928.32 80 6.1250 928.32 BRAWLEY CA 92227 5 05/24/04 00 0420837627 05 07/01/04 0.0000 0420837627 O 06/01/34 0 9068669 E22/G02 F 178,500.00 ZZ 360 178,500.00 3 6.7500 1157.75 75 6.5000 1157.75 NEW HARTFORD CT 06057 1 06/01/04 00 0420753907 05 07/01/04 0.0000 0420753907 N 06/01/34 0 9068699 E22/G02 F 172,800.00 ZZ 360 172,800.00 1 6.7500 1120.78 84 6.5000 1120.78 METAIRIE LA 70006 2 05/26/04 10 0420791147 05 07/01/04 25.0000 0420791147 O 06/01/34 0 9068731 E22/G02 F 149,840.00 ZZ 360 149,840.00 1 6.3750 934.81 80 6.1250 934.81 TEMPE AZ 85281 1 05/13/04 00 0420737132 01 07/01/04 0.0000 0420737132 N 06/01/34 0 9069613 U05/G02 F 150,000.00 TX 360 150,000.00 1 6.6250 960.47 54 6.3750 960.47 LA VERNIA TX 78121 5 05/19/04 00 0437938822 05 07/01/04 0.0000 3000627732 O 06/01/34 0 9069660 E22/G02 F 285,000.00 ZZ 360 283,961.03 1 6.5000 1801.39 95 6.2500 1801.39 NUTLEY NJ 07110 1 01/23/04 01 0419518642 05 03/01/04 35.0000 0419518642 O 02/01/34 0 9069961 S43/G02 F 132,800.00 ZZ 360 132,800.00 1 6.7500 861.34 80 6.5000 861.34 DACONO CO 80514 5 05/27/04 00 0437935802 05 07/01/04 0.0000 183040020500 O 06/01/34 0 9070165 144/144 F 109,000.00 ZZ 360 109,000.00 1 6.6250 697.94 69 6.3750 697.94 POUGHKEEPSIE NY 12601 5 05/21/04 00 160754853 05 07/01/04 0.0000 160754853 N 06/01/34 0 9070201 144/144 F 127,500.00 ZZ 360 127,500.00 2 6.6250 816.40 71 6.3750 816.40 POUGHKEEPSIE NY 12601 5 05/21/04 00 04MANNINORO 05 07/01/04 0.0000 04MANNINORO N 06/01/34 0 9073363 B60/G02 F 127,717.00 ZZ 360 127,717.00 1 5.8750 755.49 80 5.6250 755.49 ROSEMOUNT MN 55068 1 05/28/04 00 0437953169 01 07/01/04 0.0000 635394 N 06/01/34 0 9073461 E22/G02 F 82,000.00 ZZ 360 82,000.00 2 6.7500 531.85 90 6.5000 531.85 NEW ORLEANS LA 70126 2 06/02/04 01 0420672107 05 07/01/04 25.0000 0420672107 N 06/01/34 0 9073485 E22/G02 F 101,250.00 ZZ 360 101,250.00 1 6.2500 623.41 75 6.0000 623.41 EVERETT WA 98201 1 05/13/04 00 0420735219 05 07/01/04 0.0000 0420735219 N 06/01/34 0 9074225 E22/G02 F 105,000.00 ZZ 360 105,000.00 1 6.8750 689.78 80 6.6250 689.78 PORT CHARLOTTEFL 33952 5 05/27/04 00 0420838831 05 07/01/04 0.0000 0420838831 O 06/01/34 0 9074343 H49/G02 F 92,000.00 ZZ 360 92,000.00 1 6.8750 604.37 80 6.6250 604.37 ZION IL 60099 1 05/20/04 00 0437937253 05 07/01/04 0.0000 574128 O 06/01/34 0 9074345 E22/G02 F 153,750.00 ZZ 360 153,750.00 1 6.8750 1010.03 75 6.6250 1010.03 SEATTLE WA 98126 1 05/24/04 00 0420569410 05 07/01/04 0.0000 0420569410 N 06/01/34 0 9074347 E22/G02 F 87,000.00 ZZ 360 87,000.00 2 6.7500 564.28 85 6.5000 564.28 NEW ORLEANS LA 70117 2 06/02/04 10 0420569659 05 07/01/04 20.0000 0420569659 N 06/01/34 0 9074353 E22/G02 F 78,500.00 ZZ 360 78,500.00 2 6.7500 509.15 83 6.5000 509.15 NEW ORLEANS LA 70115 2 06/02/04 01 0420582926 05 07/01/04 20.0000 0420582926 N 06/01/34 0 9074375 E22/G02 F 74,500.00 ZZ 360 74,500.00 2 6.7500 483.21 80 6.5000 483.21 NEW ORLEANS LA 70117 2 06/02/04 00 0420634487 05 07/01/04 0.0000 0420634487 N 06/01/34 0 9074431 E22/G02 F 103,500.00 ZZ 360 103,500.00 1 7.0000 688.59 90 6.7500 688.59 ROCKY MOUNT VA 24151 1 06/01/04 10 0420843229 05 07/01/04 25.0000 0420843229 O 06/01/34 0 9074441 E22/G02 F 148,050.00 ZZ 360 148,050.00 1 6.8750 972.58 90 6.6250 972.58 PORTLAND OR 97211 1 05/20/04 04 0420852121 03 07/01/04 25.0000 0420852121 N 06/01/34 0 9074449 E22/G02 F 179,180.00 ZZ 360 179,180.00 1 6.8750 1177.09 85 6.6250 1177.09 MILLINGTON TN 38053 5 05/27/04 04 0420853202 05 07/01/04 12.0000 0420853202 O 06/01/34 0 9076639 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.0000 598.77 90 6.7500 598.77 HARVEY LA 70058 5 05/28/04 01 0420312167 05 07/01/04 25.0000 0420312167 O 06/01/34 0 9076829 E22/G02 F 183,000.00 ZZ 360 183,000.00 1 6.6250 1171.77 80 6.3750 1171.77 ASHEVILLE NC 28805 1 06/03/04 00 0420714214 05 07/01/04 0.0000 0420714214 O 06/01/34 0 9076919 E22/G02 F 79,200.00 ZZ 360 79,200.00 4 7.5000 553.78 90 7.2500 553.78 GALVESTON TX 77550 1 06/03/04 10 0420715385 05 07/01/04 25.0000 0420715385 N 06/01/34 0 9076953 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.6250 576.28 75 6.3750 576.28 NEWARK DE 19711 1 06/03/04 00 0420896037 05 07/01/04 0.0000 0420896037 N 06/01/34 0 9077083 E22/G02 F 92,720.00 ZZ 360 92,720.00 1 7.1250 624.67 80 6.8750 624.67 SPARTANBURG SC 29301 1 06/03/04 00 0420918625 05 07/01/04 0.0000 0420918625 N 06/01/34 0 9077231 E22/G02 F 260,250.00 ZZ 360 260,250.00 3 6.5000 1644.96 75 6.2500 1644.96 MANCHESTER NH 03103 1 06/03/04 00 0420830614 05 07/01/04 0.0000 0420830614 N 06/01/34 0 9077267 E22/G02 F 167,700.00 ZZ 360 167,700.00 4 6.6250 1073.80 65 6.3750 1073.80 WILLIAMS CA 95987 2 05/26/04 00 0420859019 05 07/01/04 0.0000 0420859019 N 06/01/34 0 9077399 E22/G02 F 114,800.00 ZZ 360 114,800.00 1 6.7500 744.59 70 6.5000 744.59 PUYALLUP WA 98374 2 05/26/04 00 0421028242 05 07/01/04 0.0000 0421028242 N 06/01/34 0 9077563 742/G02 F 58,400.00 ZZ 360 58,400.00 2 5.7500 340.81 80 5.5000 340.81 ALLENTOWN PA 18102 5 05/26/04 00 0437951023 05 07/01/04 0.0000 0010298560 N 06/01/34 0 9077569 742/G02 F 100,400.00 ZZ 360 100,400.00 1 5.7500 585.91 80 5.5000 585.91 WHITEHALL PA 18052 5 05/26/04 00 0437939317 09 07/01/04 0.0000 0010298909 N 06/01/34 0 9077603 742/G02 F 57,600.00 ZZ 360 57,600.00 1 5.7500 336.14 80 5.5000 336.14 BETHLEHEM PA 18017 5 05/26/04 00 0437936982 07 07/01/04 0.0000 0010298503 N 06/01/34 0 9077613 K60/G02 F 117,600.00 ZZ 360 117,600.00 1 6.3750 733.67 80 6.1250 733.67 LEVITTOWN PA 19055 5 05/24/04 00 0437937956 05 07/01/04 0.0000 0001083644 O 06/01/34 0 9078049 U45/G02 F 140,250.00 ZZ 360 140,250.00 4 7.7500 1004.77 85 7.5000 1004.77 SUITLAND MD 20746 1 05/26/04 04 0437942279 05 07/01/04 20.0000 100206190 N 06/01/34 0 9079879 E22/G02 F 121,500.00 ZZ 360 121,500.00 1 6.8750 798.17 90 6.6250 798.17 KISSIMMMEE FL 34744 1 06/04/04 10 0420923468 05 07/01/04 25.0000 0420923468 N 06/01/34 0 9079889 E22/G02 F 169,650.00 ZZ 360 169,650.00 1 7.0000 1128.69 90 6.7500 1128.69 FORT PIERCE FL 34982 1 06/04/04 10 0420942070 05 07/01/04 25.0000 0420942070 N 06/01/34 0 9079995 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 7.3750 497.29 90 7.1250 497.29 BRIGHTON MI 48116 1 06/04/04 04 0420845844 01 07/01/04 25.0000 0420845844 N 06/01/34 0 9080175 E22/G02 F 92,000.00 ZZ 360 92,000.00 1 7.6250 651.17 80 7.3750 651.17 ROME OH 44085 5 06/04/04 00 0419649959 05 07/01/04 0.0000 0419649959 N 06/01/34 0 9081803 N74/G02 F 88,000.00 ZZ 360 87,924.23 1 6.7500 570.77 80 6.5000 570.77 BUFORD GA 30518 1 05/28/04 00 0437945280 05 06/28/04 0.0000 2200002021 N 05/28/34 0 9086641 P01/G02 F 95,838.00 ZZ 360 95,838.00 2 7.7500 686.60 90 7.5000 686.60 SCHENECTADY NY 12309 1 05/21/04 10 0437942782 05 07/01/04 25.0000 04001200 N 06/01/34 0 9087325 P27/G02 F 128,000.00 ZZ 360 128,000.00 1 6.1250 777.74 80 5.8750 777.74 YUCCA VALLEY CA 92284 2 05/18/04 00 0437944887 05 07/01/04 0.0000 2109247422 O 06/01/34 0 9092323 U05/G02 F 280,000.00 ZZ 360 280,000.00 1 5.8750 1656.31 80 5.6250 1656.31 HARLINGEN TX 78550 2 05/28/04 00 0437950942 05 07/01/04 0.0000 3000625632 O 06/01/34 0 9093087 E22/G02 F 95,200.00 ZZ 360 95,200.00 2 7.0000 633.37 80 6.7500 633.37 NEW ORLEANS LA 70119 1 06/09/04 00 0421133141 05 07/01/04 0.0000 0421133141 N 06/01/34 0 9097297 E22/G02 F 58,500.00 ZZ 360 58,500.00 1 8.0000 429.25 90 7.7500 429.25 FAYETTEVILLE NC 28314 1 06/10/04 01 0420863540 05 07/01/04 25.0000 0420863540 N 06/01/34 0 9159278 286/286 F 55,350.00 ZZ 360 55,184.12 1 7.5000 387.02 90 6.7300 387.02 YOUNGSTOWN OH 44515 1 01/26/04 10 2999997 05 03/01/04 25.0000 2999997 N 02/01/34 0 9159306 286/286 F 121,500.00 ZZ 360 120,968.23 1 6.7500 788.05 90 6.0940 788.05 WOODBRIDGE NJ 07095 1 12/22/03 11 2910481 05 02/01/04 25.0000 2910481 N 01/01/34 0 9159320 286/286 F 147,600.00 ZZ 360 147,031.47 4 7.3750 1019.44 90 6.7560 1019.44 RIO RANCHO NM 87124 1 12/15/03 11 2954792 05 02/01/04 25.0000 2954792 N 01/01/34 0 9159330 286/286 F 71,950.00 ZZ 360 71,615.91 1 7.1250 484.75 90 6.2830 484.75 ROANOKE VA 24019 1 12/23/03 11 2977549 05 02/01/04 25.0000 2977549 N 01/01/34 0 9159332 286/286 F 202,500.00 ZZ 360 201,978.13 1 8.2500 1521.32 90 7.3770 1521.32 HOLLAND PA 18966 1 01/08/04 41 3002643 09 03/01/04 25.0000 3002643 N 02/01/34 0 9159338 286/286 F 58,000.00 ZZ 360 57,333.62 1 7.2500 395.67 90 6.4040 395.67 PHOENIX AZ 85021 1 12/11/03 11 2955011 05 02/01/04 25.0000 2955011 N 01/01/34 0 9159354 286/286 F 122,400.00 ZZ 360 121,974.87 1 6.7500 793.89 90 6.0330 793.89 CEDAR PARK TX 78613 1 01/30/04 25 3014086 05 03/01/04 10.0000 3014086 N 02/01/34 0 9159360 286/286 F 104,580.00 ZZ 360 104,146.32 1 7.0000 695.78 90 6.3030 695.78 MARIETTA GA 30062 1 12/23/03 11 2820878 05 02/01/04 25.0000 2820878 N 01/01/34 0 9159366 286/286 F 125,100.00 ZZ 360 124,606.07 1 7.2500 853.41 90 6.6140 853.41 MECHANICSVILLEVA 23111 1 12/15/03 11 2920220 05 02/01/04 25.0000 2920220 N 01/01/34 0 9159372 286/286 F 166,500.00 ZZ 240 165,089.44 1 8.1250 1405.66 90 7.3100 1405.66 BELMONT NH 03220 5 12/10/03 11 2940237 05 02/01/04 25.0000 2940237 O 01/01/24 0 9159378 286/286 F 76,500.00 ZZ 360 75,645.94 1 7.1250 515.40 90 6.4270 515.40 RICHMOND VA 23227 1 01/07/04 25 2990275 05 03/01/04 10.0000 2990275 N 02/01/34 0 9159382 286/286 F 133,110.00 ZZ 360 132,617.47 1 8.5000 1023.51 90 7.7810 1023.51 HANOVER PA 17331 1 11/21/03 25 2933875 05 01/01/04 10.0000 2933875 N 12/01/33 0 9159390 286/286 F 223,300.00 ZZ 360 222,425.80 1 8.7500 1756.71 100 7.4400 1756.71 MAPLE VALLEY WA 98038 1 11/26/03 11 2921762 05 01/01/04 35.0000 2921762 O 12/01/33 0 9159402 286/286 F 235,800.00 ZZ 360 235,110.80 1 7.6250 1668.98 90 6.9450 1668.98 SPRINGDALE MD 20774 1 01/12/04 25 2959651 05 03/01/04 10.0000 2959651 N 02/01/34 0 9162560 286/286 F 55,080.00 ZZ 360 54,936.93 1 6.7500 357.25 90 6.5000 357.25 AUSTIN TX 78745 1 02/19/04 25 3065390 05 04/01/04 10.0000 3065390 N 03/01/34 0 9167494 E82/G02 F 71,000.00 ZZ 360 70,877.41 1 6.7500 460.50 86 6.5000 460.50 RIVERDALE GA 30274 2 02/26/04 10 0400946273 05 05/01/04 12.0000 0400946273 N 04/01/34 0 9174490 950/G02 F 96,600.00 ZZ 360 96,520.82 4 7.0000 642.68 80 6.7500 642.68 ABERDEEN WA 98520 1 04/12/04 00 0437889462 05 06/01/04 0.0000 E342074 N 05/01/34 0 9174766 X05/G02 F 187,500.00 ZZ 360 186,963.49 1 6.2500 1154.47 75 6.0000 1154.47 GRAHAM WA 98338 5 02/23/04 00 0437529886 05 04/01/04 0.0000 09402054 O 03/01/34 0 9204046 U05/G02 F 57,600.00 ZZ 360 57,507.61 1 7.1250 388.06 80 6.8750 388.06 BIRMINGHAM AL 35217 1 03/05/04 00 0437903719 05 05/01/04 0.0000 3000607754 N 04/01/34 0 9204274 E22/G02 F 111,600.00 ZZ 360 111,402.53 1 6.6250 714.59 90 6.3750 714.59 CLEVELAND HEIGOH 44118 1 03/17/04 04 0419590773 05 05/01/04 20.0000 0419590773 N 04/01/34 0 9210966 E22/G02 F 117,000.00 ZZ 360 116,777.40 1 6.2500 720.39 62 6.0000 720.39 LOGAN UT 84321 2 03/05/04 00 0420037418 05 05/01/04 0.0000 0420037418 O 04/01/34 0 9215386 286/286 F 300,000.00 ZZ 360 299,055.83 1 5.7500 1750.72 57 5.5000 1750.72 WEST NEWBURY MA 01985 2 02/27/04 00 3075017 05 04/04/04 0.0000 3075017 O 03/04/34 0 9225728 E84/G02 F 157,250.00 ZZ 360 156,335.24 1 6.3750 981.04 85 6.1250 981.04 TOPEKA KS 66614 5 11/24/03 04 0437718927 05 01/01/04 12.0000 69936862 O 12/01/33 0 9225766 E84/G02 F 219,000.00 ZZ 360 218,220.70 1 6.6250 1402.28 94 6.3750 1402.28 AURORA CO 80018 5 01/15/04 12 0437719040 05 03/01/04 30.0000 32819434 O 02/01/34 0 9225828 E84/G02 F 216,000.00 ZZ 360 215,465.75 4 7.0000 1437.05 90 6.7500 1437.05 WEST PALM BEACFL 33405 1 03/04/04 04 0437719131 05 04/01/04 25.0000 1101137151 N 03/01/34 0 9235452 253/253 F 113,050.00 ZZ 360 112,834.90 1 6.2500 696.07 95 6.0000 696.07 HOUSTON TX 77004 1 03/19/04 11 343185 01 05/01/04 25.0000 343185 O 04/01/34 0 9247728 286/286 F 161,250.00 ZZ 360 160,935.74 1 6.1250 979.78 75 5.8750 979.78 PEMBERTON NJ 08015 2 03/10/04 00 3090985 05 05/01/04 0.0000 3090985 O 04/01/34 0 9247734 286/286 F 90,500.00 ZZ 360 90,314.99 1 5.8750 535.35 62 5.6250 535.35 REDDING CA 96003 2 03/08/04 00 3139948 05 05/01/04 0.0000 3139948 O 04/01/34 0 9247748 286/286 F 121,125.00 ZZ 360 120,564.57 1 6.0000 726.21 95 5.7500 726.21 PHOENIX AZ 85032 1 01/29/04 11 3033384 05 03/01/04 30.0000 3033384 O 02/01/34 0 9247754 286/286 F 68,400.00 ZZ 360 68,275.99 1 6.5000 432.34 95 6.2500 432.34 MIAMI FL 33161 2 03/10/04 14 3068215 01 05/01/04 30.0000 3068215 O 04/01/34 0 9247756 286/286 F 132,000.00 ZZ 360 131,603.79 1 6.0000 791.41 62 5.7500 791.41 WHITE BEAR LAKMN 55110 5 02/12/04 00 3062932 05 04/01/04 0.0000 3062932 O 03/01/34 0 9247762 286/286 F 83,250.00 T 360 82,931.53 1 6.2500 512.59 90 6.0000 512.59 DELTONA FL 32738 1 01/30/04 12 3012915 05 03/01/04 30.0000 3012915 O 02/01/34 0 9247772 286/286 F 131,955.00 ZZ 360 131,620.49 1 6.8750 866.86 95 6.6250 866.86 HIALEAH FL 33018 1 02/12/04 04 3092376 01 04/01/04 30.0000 3092376 O 03/01/34 0 9247808 286/286 F 118,750.00 ZZ 360 118,295.74 1 6.2500 731.17 95 6.0000 731.17 DANIA FL 33004 1 02/02/04 04 3042812 05 03/01/04 25.0000 3042812 O 02/01/34 0 9247816 286/286 F 70,320.00 ZZ 360 70,118.76 1 6.2500 432.98 80 6.0000 432.98 NAMPA ID 83686 1 03/04/04 00 3120431 05 04/01/04 0.0000 3120431 N 03/01/34 0 9247824 286/286 F 51,775.00 ZZ 360 51,669.16 1 5.8750 306.27 95 5.6250 306.27 ALBUQUERQUE NM 87105 1 03/03/04 04 3097180 05 05/01/04 30.0000 3097180 O 04/01/34 0 9247848 286/286 F 103,000.00 ZZ 360 102,475.80 1 6.7500 668.06 83 6.5000 668.06 GREENWOOD IN 46143 2 01/23/04 11 3028445 05 03/01/04 12.0000 3028445 O 02/01/34 0 9247866 286/286 F 421,000.00 ZZ 360 419,879.52 1 6.6250 2695.71 56 6.3750 2695.71 LITTLETON CO 80127 5 02/19/04 00 3012145 05 04/01/04 0.0000 3012145 O 03/01/34 0 9247870 286/286 F 135,850.00 ZZ 360 135,461.26 1 6.2500 836.46 95 6.0000 836.46 SPOKANE WA 99201 1 02/10/04 11 2995094 05 04/01/04 30.0000 2995094 O 03/01/34 0 9247882 286/286 F 113,050.00 ZZ 360 112,703.90 1 6.1250 686.91 95 5.8750 686.91 WAUKEGAN IL 60085 1 02/20/04 14 3086392 05 04/01/04 30.0000 3086392 O 03/01/34 0 9247896 286/286 F 92,600.00 ZZ 360 92,423.80 1 6.2500 570.16 83 6.0000 570.16 HOUSTON TX 77084 2 03/09/04 11 3083565 05 05/01/04 12.0000 3083565 O 04/01/34 0 9247914 286/286 F 128,500.00 ZZ 360 128,095.56 1 5.7500 749.90 51 5.5000 749.90 COLD SPRINGS CA 95335 2 02/04/04 00 3023563 05 04/01/04 0.0000 3023563 O 03/01/34 0 9247938 286/286 F 80,500.00 ZZ 360 80,266.26 1 6.5000 508.82 70 6.2500 508.82 TACOMA WA 98405 5 02/19/04 00 2948433 05 04/01/04 0.0000 2948433 N 03/01/34 0 9247966 286/286 F 581,600.00 ZZ 360 580,493.42 4 6.2500 3581.02 80 6.0000 3581.02 FULLERTON CA 92835 1 03/03/04 00 3040874 05 05/01/04 0.0000 3040874 O 04/01/34 0 9247974 286/286 F 83,600.00 ZZ 360 83,349.94 1 6.1250 507.97 95 5.8750 507.97 ST LOUIS MI 48880 1 02/06/04 11 3058545 05 04/01/04 30.0000 3058545 O 03/01/34 0 9247978 286/286 F 72,000.00 ZZ 360 71,875.65 1 6.7500 467.00 90 6.5000 467.00 GLENDALE AZ 85301 1 03/02/04 12 3103955 05 05/01/04 25.0000 3103955 N 04/01/34 0 9248008 286/286 F 97,000.00 ZZ 360 96,796.96 1 5.7500 566.07 55 5.5000 566.07 FONTANA AREA CA 92335 5 03/08/04 00 3048042 05 05/01/04 0.0000 3048042 O 04/01/34 0 9248040 286/286 F 105,000.00 ZZ 360 104,677.25 1 5.8750 621.12 45 5.6250 621.12 NORTH HIGHLANDCA 95660 2 02/11/04 00 3059451 05 04/01/04 0.0000 3059451 O 03/01/34 0 9248050 286/286 F 73,000.00 ZZ 360 72,867.66 1 6.5000 461.41 67 6.2500 461.41 PARMA ID 83660 5 03/05/04 00 3024153 05 05/01/04 0.0000 3024153 O 04/01/34 0 9248092 286/286 F 132,000.00 ZZ 360 127,696.10 1 6.0000 791.41 72 5.7500 791.41 MECHANICSVILLEVA 23116 2 03/03/04 00 3070504 05 05/01/04 0.0000 3070504 O 04/01/34 0 9248124 286/286 F 308,750.00 ZZ 360 308,072.56 1 5.5000 1753.05 95 5.2500 1753.05 DELANO MN 55328 1 03/09/04 12 3136728 05 05/01/04 30.0000 3136728 O 04/01/34 0 9248128 286/286 F 97,900.00 ZZ 240 96,943.34 1 6.5000 729.92 69 6.2500 729.92 CINCINNATI OH 45223 2 01/26/04 00 3047837 05 03/01/04 0.0000 3047837 O 02/01/24 0 9248144 286/286 F 87,400.00 ZZ 360 87,081.49 1 7.0000 581.48 95 6.7500 581.48 VIRGINIA BEACHVA 23464 1 01/29/04 11 3015607 01 03/01/04 30.0000 3015607 O 02/01/34 0 9248182 286/286 F 75,900.00 ZZ 360 75,765.23 1 6.6250 486.00 43 6.3750 486.00 BIG BEAR LAKE CA 92315 2 03/01/04 00 3013861 05 05/01/04 0.0000 3013861 N 04/01/34 0 9248248 286/286 F 153,000.00 ZZ 360 152,715.81 1 6.3750 954.53 90 6.1250 954.53 PHOENIX AZ 85028 1 03/02/04 12 3120709 05 05/01/04 25.0000 3120709 N 04/01/34 0 9248284 286/286 F 44,550.00 ZZ 240 44,280.05 1 6.6250 335.44 90 6.3750 335.44 HOBBS NM 88240 1 02/06/04 12 3062700 05 04/01/04 25.0000 3062700 O 03/01/24 0 9248898 286/286 F 239,500.00 ZZ 360 239,010.43 1 5.8750 1416.74 68 5.6250 1416.74 OAKLAND CA 94619 5 02/27/04 00 3106298 05 05/01/04 0.0000 3106298 O 04/01/34 0 9248906 286/286 F 114,000.00 ZZ 360 113,542.62 1 6.0000 683.49 71 5.7500 683.49 SCOTTSDALE AZ 85251 1 01/20/04 00 3027474 05 03/01/04 0.0000 3027474 O 02/01/34 0 9248928 286/286 F 84,000.00 ZZ 360 83,840.16 1 6.2500 517.21 80 6.0000 517.21 WILMINGTON DE 19802 2 03/12/04 00 3138787 05 05/01/04 0.0000 3138787 N 04/01/34 0 9248938 286/286 F 84,800.00 ZZ 360 84,638.66 1 6.2500 522.13 80 6.0000 522.13 WILMINGTON DE 19805 2 03/12/04 00 3138789 05 05/01/04 0.0000 3138789 N 04/01/34 0 9248960 286/286 F 606,000.00 ZZ 360 604,743.19 4 5.8750 3584.72 78 5.6250 3584.72 SAN JOSE CA 95128 2 03/04/04 00 3138799 05 05/01/04 0.0000 3138799 O 04/01/34 0 9249010 286/286 F 61,500.00 ZZ 360 61,328.21 1 6.3750 383.68 67 6.1250 383.68 MIAMI FL 33147 5 02/20/04 00 3044406 05 04/01/04 0.0000 3044406 N 03/01/34 0 9249022 286/286 F 62,000.00 ZZ 360 61,829.25 1 6.1250 376.72 33 5.8750 376.72 CLEARWATER FL 33756 2 03/09/04 00 3072146 05 05/01/04 0.0000 3072146 O 04/01/34 0 9249032 286/286 F 118,750.00 ZZ 360 118,529.44 1 6.3750 740.85 95 6.1250 740.85 NORTH RICHLANDTX 76180 1 03/10/04 14 3139798 05 05/01/04 30.0000 3139798 O 04/01/34 0 9249066 286/286 F 95,500.00 ZZ 360 95,304.79 1 5.8750 564.92 68 5.6250 564.92 SPRING CITY UT 84662 5 03/10/04 00 3096446 05 05/01/04 0.0000 3096446 O 04/01/34 0 9249070 286/286 F 125,000.00 ZZ 360 124,474.18 1 5.7500 729.47 36 5.5000 729.47 RIVERSIDE CA 92509 5 01/29/04 00 3026075 05 03/01/04 0.0000 3026075 O 02/01/34 0 9249122 286/286 F 137,500.00 ZZ 360 136,986.48 1 6.3750 857.83 80 6.1250 857.83 FRIEDENSBURG PA 17933 2 01/26/04 00 3037647 05 03/01/04 0.0000 3037647 O 02/01/34 0 9249142 286/286 F 137,750.00 ZZ 360 136,878.66 1 5.8750 814.85 95 5.6250 814.85 SCOTTSDALE AZ 85257 2 01/22/04 04 3027928 05 03/01/04 30.0000 3027928 O 02/01/34 0 9249152 286/286 F 125,600.00 ZZ 360 125,045.15 1 5.5000 713.15 80 5.2500 713.15 HOUSTON TX 77007 1 01/28/04 00 3030541 01 03/01/04 0.0000 3030541 O 02/01/34 0 9249168 286/286 F 129,800.00 ZZ 360 129,428.60 1 6.2500 799.20 95 6.0000 799.20 CONROE TX 77304 1 02/18/04 11 3078742 05 04/01/04 30.0000 3078742 O 03/01/34 0 9249214 286/286 F 114,600.00 ZZ 360 114,223.81 1 6.1250 696.33 68 5.8750 696.33 PORTLAND OR 97206 2 02/19/04 00 3067495 05 04/01/04 0.0000 3067495 O 03/01/34 0 9249242 286/286 F 80,000.00 ZZ 360 79,838.75 1 6.8750 525.55 80 6.6250 525.55 PITTSBURGH PA 15210 1 03/08/04 00 3106598 05 05/01/04 0.0000 3106598 N 04/01/34 0 9249246 286/286 F 86,000.00 ZZ 360 84,371.67 1 5.8750 508.73 37 5.6250 508.73 PHOENIX AZ 85028 5 01/28/04 00 3040718 03 03/01/04 0.0000 3040718 O 02/01/34 0 9249256 286/286 F 133,000.00 ZZ 360 132,781.31 1 7.0000 884.86 95 6.7500 884.86 SAN ANTONIO TX 78249 1 03/05/04 11 3120679 05 05/01/04 30.0000 3120679 O 04/01/34 0 9249274 286/286 F 138,500.00 ZZ 360 138,210.10 1 5.7500 808.25 47 5.5000 808.25 DANBURY CT 06811 2 03/03/04 00 3068003 05 05/01/04 0.0000 3068003 O 04/01/34 0 9249280 286/286 F 67,500.00 ZZ 360 67,386.25 1 6.8750 443.43 90 6.6250 443.43 ALBUQUERQUE NM 87114 1 03/10/04 11 3117835 01 05/01/04 30.0000 3117835 O 04/01/34 0 9249292 286/286 F 110,700.00 ZZ 360 110,489.38 1 6.2500 681.60 90 6.0000 681.60 MIAMI FL 33186 1 03/10/04 10 3066521 01 05/01/04 25.0000 3066521 O 04/01/34 0 9249294 286/286 F 88,000.00 ZZ 360 87,765.76 1 6.6250 563.48 80 6.3750 563.48 SPRINGFIELD OR 97477 2 02/09/04 00 3025570 05 04/01/04 0.0000 3025570 N 03/01/34 0 9249324 286/286 F 111,829.00 T 360 111,611.05 1 6.1250 679.49 90 5.8750 679.49 DAVENPORT FL 33837 1 03/10/04 21 3092659 05 05/01/04 25.0000 3092659 O 04/01/34 0 9249326 286/286 F 130,150.00 ZZ 360 129,602.50 1 5.7500 759.53 95 5.5000 759.53 MISSOURI CITY TX 77459 1 01/09/04 11 3010573 05 03/01/04 30.0000 3010573 O 02/01/34 0 9249330 286/286 F 261,000.00 ZZ 360 260,491.34 2 6.1250 1585.87 90 5.8750 1585.87 PATERSON NJ 07524 1 03/05/04 12 3109973 05 05/01/04 25.0000 3109973 O 04/01/34 0 9249344 286/286 F 136,000.00 ZZ 360 135,581.95 1 5.8750 804.50 64 5.6250 804.50 KIHEI HI 96753 5 02/18/04 00 3005561 01 04/01/04 0.0000 3005561 O 03/01/34 0 9249364 286/286 F 430,400.00 ZZ 360 423,135.22 4 5.6250 2477.63 80 5.3750 2477.63 GARDENA CA 90247 1 01/28/04 00 3015218 05 04/01/04 0.0000 3015218 O 03/01/34 0 9249384 286/286 F 126,350.00 ZZ 360 126,097.79 1 6.0000 757.54 95 5.7500 757.54 CALUMET CITY IL 60409 1 03/12/04 11 3106170 05 05/01/04 30.0000 3106170 O 04/01/34 0 9249392 286/286 F 117,600.00 ZZ 360 117,127.95 1 6.0000 705.08 80 5.7500 705.08 TUCSON AZ 85712 1 01/14/04 00 3019399 05 03/01/04 0.0000 3019399 O 02/01/34 0 9249398 286/286 F 211,500.00 ZZ 360 211,097.12 1 6.2500 1302.25 90 6.0000 1302.25 DOVER NJ 08753 1 03/04/04 12 3070196 05 05/01/04 25.0000 3070196 O 04/01/34 0 9249404 286/286 F 88,000.00 ZZ 360 87,760.05 1 6.5000 556.22 74 6.2500 556.22 MEDINA OH 44256 2 02/19/04 00 3077442 05 04/01/04 0.0000 3077442 N 03/01/34 0 9249414 286/286 F 157,600.00 ZZ 360 157,180.52 3 6.6250 1009.14 80 6.3750 1009.14 PLAINFIELD NJ 07060 1 02/06/04 00 2910215 05 04/01/04 0.0000 2910215 O 03/01/34 0 9249468 286/286 F 81,700.00 ZZ 360 81,544.54 1 6.2500 503.05 95 6.0000 503.05 LAS CRUCES NM 88012 1 03/03/04 12 3099091 05 05/01/04 25.0000 3099091 O 04/01/34 0 9249482 286/286 F 300,000.00 ZZ 360 298,646.25 1 5.3750 1679.92 80 5.1250 1679.92 STOCKTON CA 95212 1 01/21/04 00 3025180 05 03/01/04 0.0000 3025180 O 02/01/34 0 9249516 286/286 F 456,000.00 ZZ 360 454,598.39 1 5.8750 2697.42 95 5.6250 2697.42 HONOLULU HI 96819 1 01/30/04 21 3044056 05 04/01/04 30.0000 3044056 O 03/01/34 0 9249540 286/286 F 86,000.00 ZZ 360 85,741.85 1 6.0000 515.62 56 5.7500 515.62 MACUNGIE PA 18062 2 01/29/04 00 3037674 05 04/01/04 0.0000 3037674 O 03/01/34 0 9249542 286/286 F 128,000.00 ZZ 360 127,744.50 1 6.0000 767.43 80 5.7500 767.43 CLARKDALE AZ 86324 1 03/02/04 00 3067680 05 05/01/04 0.0000 3067680 O 04/01/34 0 9249576 286/286 F 103,000.00 ZZ 360 102,822.14 1 6.7500 668.06 94 6.5000 668.06 FARMINGTON NM 87402 1 03/04/04 21 3107315 01 05/01/04 30.0000 3107315 O 04/01/34 0 9249590 286/286 F 300,000.00 ZZ 360 298,932.86 1 5.6250 1726.97 70 5.3750 1726.97 ESCONDIDO CA 92026 5 02/02/04 00 3046659 05 04/01/04 0.0000 3046659 O 03/01/34 0 9249594 286/286 F 119,200.00 ZZ 360 118,858.90 1 6.2500 733.94 79 6.0000 733.94 DESERT HOT SPRCA 92240 1 02/13/04 00 3065913 05 04/01/04 0.0000 3065913 O 03/01/34 0 9249602 286/286 F 70,000.00 ZZ 240 69,407.12 1 6.2500 511.65 63 6.0000 511.65 JUPITER FL 33458 5 01/30/04 00 3040145 01 03/01/04 0.0000 3040145 N 02/01/24 0 9249608 286/286 F 70,000.00 ZZ 240 69,407.12 1 6.2500 511.65 61 6.0000 511.65 JUPITER FL 33458 5 01/30/04 00 3040174 01 03/01/04 0.0000 3040174 N 02/01/24 0 9249618 286/286 F 70,000.00 ZZ 240 69,407.12 1 6.2500 511.65 64 6.0000 511.65 JUPITER FL 33458 5 01/30/04 00 3040191 01 03/01/04 0.0000 3040191 N 02/01/24 0 9249642 286/286 F 88,000.00 ZZ 360 87,811.40 1 5.6250 506.58 80 5.3750 506.58 KELLER TX 76248 2 03/05/04 00 3102604 05 05/01/04 0.0000 3102604 O 04/01/34 0 9249654 286/286 F 133,520.00 ZZ 360 133,147.01 1 6.3750 833.00 80 6.1250 833.00 MESA AZ 85204 1 02/19/04 00 3081726 05 04/01/04 0.0000 3081726 O 03/01/34 0 9249656 286/286 F 237,870.00 ZZ 360 237,085.33 1 5.5000 1350.60 90 5.2500 1350.60 NORTHFIELD MN 55057 1 03/12/04 12 3124492 05 04/01/04 25.0000 3124492 O 03/01/34 0 9249698 286/286 F 119,120.00 ZZ 360 118,745.11 1 5.7500 695.15 83 5.5000 695.15 AVENTURA FL 33160 1 02/26/04 14 3067894 01 04/01/04 12.0000 3067894 O 03/01/34 0 9249710 286/286 F 80,250.00 ZZ 360 80,073.90 1 5.5000 455.66 75 5.2500 455.66 CONYERS GA 30012 5 03/09/04 00 3106979 05 05/01/04 0.0000 3106979 N 04/01/34 0 9249746 286/286 F 110,000.00 ZZ 360 109,775.13 1 5.8750 650.70 80 5.6250 650.70 SELLERSBURG IN 47172 1 03/15/04 00 3113748 05 05/01/04 0.0000 3113748 O 04/01/34 0 9249788 286/286 F 488,000.00 ZZ 360 487,115.27 1 6.5000 3084.50 80 6.2500 3084.50 VIRGINIA BEACHVA 23457 5 03/09/04 00 3029190 05 05/01/04 0.0000 3029190 O 04/01/34 0 9249812 286/286 F 82,500.00 ZZ 360 82,263.93 1 6.2500 507.97 75 6.0000 507.97 PUEBLO CO 81006 5 03/03/04 00 3092707 05 04/01/04 0.0000 3092707 N 03/01/34 0 9249928 286/286 F 67,500.00 ZZ 360 67,361.94 1 5.8750 399.29 75 5.6250 399.29 PITTSBURGH PA 15205 1 03/12/04 00 3094681 05 05/01/04 0.0000 3094681 O 04/01/34 0 9249936 286/286 F 63,000.00 ZZ 360 62,888.52 1 6.6250 403.40 90 6.3750 403.40 MICHIGANTOWN IN 46057 1 03/03/04 12 3016139 05 05/01/04 25.0000 3016139 O 04/01/34 0 9249956 286/286 F 308,750.00 ZZ 360 308,175.75 1 6.3750 1926.20 95 6.1250 1926.20 FREDERICK MD 21702 1 03/15/04 12 3044979 05 05/01/04 30.0000 3044979 O 04/01/34 0 9249960 286/286 F 63,900.00 ZZ 360 63,766.24 1 5.7500 372.91 90 5.5000 372.91 PITTSBURGH PA 15235 1 03/15/04 11 3094737 05 05/01/04 25.0000 3094737 O 04/01/34 0 9249998 286/286 F 63,830.00 ZZ 360 63,719.75 1 6.7500 414.01 76 6.5000 414.01 VIRGINIA BEACHVA 23451 2 03/10/04 00 2984725 01 05/01/04 0.0000 2984725 O 04/01/34 0 9250006 286/286 F 138,000.00 ZZ 360 137,717.90 1 5.8750 816.33 43 5.6250 816.33 ELLENDALE TN 38029 5 03/10/04 00 3136698 05 05/01/04 0.0000 3136698 O 04/01/34 0 9250018 286/286 F 95,000.00 ZZ 360 93,693.83 1 5.7500 554.39 63 5.5000 554.39 DALTON GA 30720 5 02/17/04 00 3043859 05 04/01/04 0.0000 3043859 O 03/01/34 0 9250086 286/286 F 328,000.00 ZZ 360 327,329.53 1 5.8750 1940.25 58 5.6250 1940.25 EL CAJON CA 92021 2 03/04/04 00 3133205 05 05/01/04 0.0000 3133205 N 04/01/34 0 9250096 286/286 F 300,000.00 ZZ 360 299,310.25 1 5.2500 1656.62 87 5.0000 1656.62 TEMECULA CA 92592 1 03/12/04 11 3167699 01 05/01/04 25.0000 3167699 O 04/01/34 0 9250140 286/286 F 95,700.00 ZZ 360 95,377.37 1 5.8750 566.11 54 5.6250 566.11 METAIRIE LA 70005 2 03/01/04 00 3090645 05 04/01/04 0.0000 3090645 O 03/01/34 0 9250150 286/286 F 31,500.00 T 360 31,441.99 1 6.5000 199.11 90 6.2500 199.11 ALBUQUERQUE NM 87110 1 03/03/04 21 3118625 01 05/01/04 25.0000 3118625 O 04/01/34 0 9250162 286/286 F 88,200.00 ZZ 360 88,051.36 1 6.8750 579.42 90 6.6250 579.42 EL MIRAGE AZ 85335 1 03/02/04 10 3065892 05 05/01/04 25.0000 3065892 N 04/01/34 0 9250174 286/286 F 333,700.00 ZZ 360 333,095.01 1 6.5000 2109.22 80 6.2500 2109.22 BYRON CA 94514 5 03/02/04 00 3083471 03 05/01/04 0.0000 3083471 N 04/01/34 0 9250178 286/286 F 333,700.00 ZZ 360 333,080.20 1 6.3750 2081.86 55 6.1250 2081.86 LIVERMORE CA 94551 5 03/03/04 00 3083498 05 05/01/04 0.0000 3083498 N 04/01/34 0 9250182 286/286 F 327,900.00 ZZ 360 327,305.53 1 6.5000 2072.56 79 6.2500 2072.56 BYRON CA 94514 5 03/03/04 00 3090825 03 05/01/04 0.0000 3090825 N 04/01/34 0 9250190 286/286 F 130,000.00 ZZ 360 129,727.89 1 5.7500 758.65 40 5.5000 758.65 MINDEN NV 89423 1 03/02/04 00 3091618 05 05/01/04 0.0000 3091618 O 04/01/34 0 9250210 286/286 F 333,700.00 ZZ 360 333,009.87 1 5.8750 1973.97 60 5.6250 1973.97 SAN FRANCISCO CA 94107 5 03/03/04 00 3115273 05 05/01/04 0.0000 3115273 N 04/01/34 0 9250214 286/286 F 333,700.00 ZZ 360 332,970.04 1 5.8750 1973.97 58 5.6250 1973.97 SAN FRANCISCO CA 94107 5 03/03/04 00 3115303 05 05/01/04 0.0000 3115303 N 04/01/34 0 9250250 286/286 F 88,200.00 ZZ 360 88,036.17 1 6.3750 550.26 90 6.1250 550.26 CHICAGO IL 60636 1 03/09/04 11 3051881 05 05/01/04 25.0000 3051881 O 04/01/34 0 9250260 286/286 F 150,000.00 ZZ 360 149,734.57 1 6.6250 960.47 61 6.3750 960.47 LOUISVILLE KY 40291 1 03/15/04 00 3024754 05 05/01/04 0.0000 3024754 O 04/01/34 0 9250298 286/286 F 86,100.00 ZZ 360 85,936.17 2 6.2500 530.14 70 6.0000 530.14 FOREST VA 24551 5 03/10/04 00 3102421 05 05/01/04 0.0000 3102421 N 04/01/34 0 9250302 286/286 F 67,050.00 ZZ 360 66,922.43 1 6.2500 412.84 90 6.0000 412.84 XENIA OH 45385 1 03/08/04 12 3125994 05 05/01/04 25.0000 3125994 O 04/01/34 0 9250322 286/286 F 132,000.00 ZZ 360 131,631.27 1 6.3750 823.51 80 6.1250 823.51 NILES IL 60714 1 03/03/04 00 3104318 01 04/01/04 0.0000 3104318 O 03/01/34 0 9250348 286/286 F 101,000.00 ZZ 360 100,816.89 1 6.5000 638.39 50 6.2500 638.39 MARENGO IL 60152 2 03/02/04 00 3049599 01 05/01/04 0.0000 3049599 O 04/01/34 0 9250486 286/286 F 97,000.00 T 360 96,801.71 1 5.8750 573.80 63 5.6250 573.80 SUNRISE FL 33313 5 03/02/04 00 3078847 05 05/01/04 0.0000 3078847 O 04/01/34 0 9250620 286/286 F 121,500.00 ZZ 360 120,416.43 1 6.0000 728.46 76 5.7500 728.46 LONGWOOD FL 32779 5 03/01/04 00 3056204 05 04/01/04 0.0000 3056204 O 03/01/34 0 9250664 286/286 F 100,000.00 ZZ 360 99,800.38 1 6.0000 599.56 28 5.7500 599.56 PALATINE IL 60067 5 03/02/04 00 3068529 05 05/01/04 0.0000 3068529 O 04/01/34 0 9250676 286/286 F 77,100.00 ZZ 240 76,664.93 1 6.0000 552.37 69 5.7500 552.37 ROCKFORD IL 61107 5 03/03/04 00 3082394 05 05/01/04 0.0000 3082394 O 04/01/24 0 9250680 286/286 F 103,900.00 ZZ 360 103,682.50 1 5.7500 606.34 84 5.5000 606.34 BLOOMINGTON IL 61701 2 03/11/04 04 3128795 05 05/01/04 12.0000 3128795 O 04/01/34 0 9250698 286/286 F 109,250.00 ZZ 360 109,021.31 1 5.7500 637.56 95 5.5000 637.56 AUSTIN TX 78745 1 03/02/04 12 3089826 05 05/01/04 30.0000 3089826 O 04/01/34 0 9250704 286/286 F 119,600.00 ZZ 360 119,383.16 1 6.5000 755.96 95 6.2500 755.96 MECHANICSBURG PA 17050 2 03/08/04 11 3079199 05 05/01/04 30.0000 3079199 O 04/01/34 0 9250708 286/286 F 101,700.00 ZZ 360 101,515.62 1 6.5000 642.82 90 6.2500 642.82 PHOENIX AZ 85017 5 03/09/04 12 3123760 05 05/01/04 25.0000 3123760 O 04/01/34 0 9250714 286/286 F 74,250.00 ZZ 360 74,112.08 1 6.3750 463.23 75 6.1250 463.23 PHOENIX AZ 85037 5 03/04/04 00 3063357 05 05/01/04 0.0000 3063357 N 04/01/34 0 9250772 286/286 F 113,050.00 ZZ 360 112,710.68 1 6.0000 677.80 95 5.7500 677.80 POOLVILLE TX 76487 1 02/24/04 14 3087533 05 04/01/04 30.0000 3087533 O 03/01/34 0 9250776 286/286 F 155,200.00 T 360 154,859.46 1 5.5000 881.21 80 5.2500 881.21 KAPOLEI HI 96707 1 03/04/04 25 3076216 01 05/01/04 10.0000 3076216 O 04/01/34 0 9250782 286/286 F 235,000.00 ZZ 360 234,472.44 1 6.2500 1446.94 83 6.0000 1446.94 TRENTON NJ 08690 2 03/03/04 14 3124883 05 05/01/04 12.0000 3124883 O 04/01/34 0 9250816 286/286 F 112,000.00 ZZ 360 111,806.60 2 6.7500 726.43 75 6.5000 726.43 SAINT LOUIS MO 63116 5 03/05/04 00 2828181 05 05/01/04 0.0000 2828181 O 04/01/34 0 9250826 286/286 F 84,000.00 ZZ 240 83,630.06 1 5.8750 595.77 69 5.6250 595.77 TEMPERANCE MI 48182 5 03/03/04 00 3110141 05 05/01/04 0.0000 3110141 O 04/01/24 0 9250830 286/286 F 120,874.00 ZZ 360 120,511.17 1 6.0000 724.71 66 5.7500 724.71 TIMONIUM MD 21093 5 03/01/04 00 3115380 05 04/01/04 0.0000 3115380 O 03/01/34 0 9250838 286/286 F 123,105.00 ZZ 360 122,853.35 1 5.8750 728.22 85 5.6250 728.22 CHIPPEWA FALLSWI 54729 2 03/08/04 12 3114304 05 05/01/04 12.0000 3114304 O 04/01/34 0 9250852 286/286 F 135,350.00 ZZ 360 135,073.33 1 5.8750 800.65 95 5.6250 800.65 PRAIRIE VILLAGKS 66208 1 03/12/04 11 2788317 05 05/01/04 30.0000 2788317 O 04/01/34 0 9250856 286/286 F 225,000.00 ZZ 360 224,550.90 1 6.0000 1348.99 90 5.7500 1348.99 WOODBRIDGE NJ 08863 1 03/05/04 21 3121782 05 05/01/04 25.0000 3121782 O 04/01/34 0 9250862 286/286 F 63,750.00 ZZ 360 63,580.32 1 6.6250 408.20 75 6.3750 408.20 MIAMI FL 33143 5 02/19/04 00 3107249 01 04/01/04 0.0000 3107249 N 03/01/34 0 9256222 R84/G02 F 60,300.00 ZZ 360 60,200.85 4 7.0000 401.18 90 6.7500 401.18 BATON ROUGE LA 70810 1 03/30/04 11 0437934540 05 05/01/04 25.0000 0104021300 N 04/01/34 0 9261468 Q14/G02 F 126,880.00 ZZ 360 126,638.60 1 6.2500 781.22 80 6.0000 781.22 BUCKEYE AZ 85326 1 03/26/04 00 0437701386 05 05/01/04 0.0000 000419121 O 04/01/34 0 9265972 196/G02 F 208,000.00 ZZ 360 207,574.83 1 5.8750 1230.40 80 5.6250 1230.40 MILFORD CT 06460 1 03/23/04 00 0437733280 05 05/01/04 0.0000 1736688 O 04/01/34 0 9269694 N74/G02 F 83,700.00 ZZ 360 83,334.10 1 6.8750 549.85 90 6.6250 549.85 VIRGINIA BEACHVA 23464 1 03/30/04 10 0437919830 05 04/30/04 25.0000 0034443010 N 03/30/34 0 9274526 S27/G02 F 118,000.00 ZZ 360 117,900.86 1 6.8750 775.18 52 6.6250 775.18 ST. LOIUS MO 63017 5 04/05/04 00 0437739451 05 06/01/04 0.0000 1830008672 N 05/01/34 0 9281660 U05/G02 F 348,750.00 ZZ 360 348,434.72 1 6.5000 2204.34 75 6.2500 2204.34 SAN DIEGO CA 92101 5 04/29/04 00 0437824055 05 06/01/04 0.0000 3000628029 O 05/01/34 0 9282022 168/168 F 440,000.00 ZZ 360 440,000.00 2 6.7500 2853.84 79 6.5000 2853.84 HEMPSTEAD NY 11010 5 04/30/04 00 0519383214 05 07/01/04 0.0000 0519383214 O 06/01/34 0 9285398 H58/G02 F 162,400.00 ZZ 360 153,441.56 1 6.2500 999.93 80 6.0000 999.93 ARCATA CA 95521 1 03/10/04 00 0437711674 05 05/01/04 0.0000 0000218767 N 04/01/34 0 9285408 H58/G02 F 72,000.00 ZZ 360 71,793.97 1 6.2500 443.32 80 6.0000 443.32 FRESNO CA 93702 1 02/24/04 00 0437701659 05 04/01/04 0.0000 0000215674 O 03/01/34 0 9285422 H58/G02 F 285,500.00 ZZ 360 284,688.82 1 6.3750 1781.15 90 6.1250 1781.15 FAIRVIEW OR 97024 2 02/27/04 01 0437728769 05 04/01/04 25.0000 0000215787 O 03/01/34 0 9437834 X31/G02 F 385,500.00 ZZ 360 384,673.81 1 5.6250 2219.16 60 5.3750 2219.16 SAN JOSE CA 95125 2 03/26/04 00 0437778327 05 05/01/04 0.0000 80004092 O 04/01/34 0 9438342 B44/G02 F 126,000.00 ZZ 360 125,865.30 1 5.6250 725.33 80 5.3750 725.33 BOISE ID 83714 1 04/08/04 00 0437786858 09 06/01/04 0.0000 4041189 O 05/01/34 0 9441816 E23/G02 F 164,000.00 ZZ 360 163,840.60 1 6.1250 996.48 80 5.8750 996.48 SACRAMENTO CA 95822 1 04/19/04 00 0437841133 05 06/01/04 0.0000 64004097 N 05/01/34 0 9442510 E23/G02 F 276,000.00 ZZ 360 275,718.61 1 5.8750 1632.64 79 5.6250 1632.64 WINCHESTER ARECA 92596 5 04/22/04 00 0437871627 05 06/01/04 0.0000 51042981 O 05/01/34 0 9442616 E23/G02 F 344,000.00 ZZ 360 343,681.39 1 6.3750 2146.11 75 6.1250 2146.11 SAN PABLO CA 94806 5 04/19/04 00 0437881469 05 06/01/04 0.0000 61015729 O 05/01/34 0 9443060 E23/G02 F 332,000.00 ZZ 360 331,692.50 1 6.3750 2071.25 80 6.1250 2071.25 RANCHO CUCAMONCA 91739 5 04/20/04 00 0437867492 05 06/01/04 0.0000 51041825 O 05/01/34 0 9443136 E23/G02 F 82,500.00 ZZ 360 82,425.42 1 6.5000 521.46 75 6.2500 521.46 BAKERSFIELD CA 93309 1 04/20/04 00 0437899545 01 06/01/04 0.0000 91001502 N 05/01/34 0 9444932 967/G02 F 112,000.00 ZZ 360 112,000.00 1 7.0000 745.14 80 6.7500 745.14 SALT LAKE CITYUT 84118 1 05/12/04 00 0437897416 05 07/01/04 0.0000 10356418 N 06/01/34 0 9445026 E23/G02 F 92,000.00 ZZ 360 91,916.83 1 6.5000 581.50 80 6.2500 581.50 BAKERSFIELD CA 93309 1 04/28/04 00 0437956410 01 06/01/04 0.0000 91001578 N 05/01/34 0 9445358 967/G02 F 104,000.00 ZZ 360 104,000.00 1 7.0000 691.91 80 6.7500 691.91 WEST VALLEY CIUT 84120 1 05/12/04 00 0437910680 05 07/01/04 0.0000 10356467 N 06/01/34 0 9445364 967/G02 F 105,600.00 ZZ 360 105,600.00 1 7.0000 702.56 80 6.7500 702.56 MAGNA UT 84044 1 05/12/04 00 0437910649 05 07/01/04 0.0000 10356418 N 06/01/34 0 9445368 967/G02 F 104,800.00 ZZ 360 104,800.00 1 7.0000 697.24 80 6.7500 697.24 SALT LAKE CITYUT 84119 1 05/12/04 00 0437910755 05 07/01/04 0.0000 10356483 N 06/01/34 0 9448238 E23/G02 F 175,500.00 ZZ 360 175,500.00 4 6.8750 1152.91 75 6.6250 1152.91 PROVO UT 84601 2 05/06/04 00 0437925506 05 07/01/04 0.0000 42003492 N 06/01/34 0 9449570 E23/G02 F 202,000.00 ZZ 360 202,000.00 1 6.3750 1260.22 75 6.1250 1260.22 GREENFIELD CA 93927 5 05/03/04 00 0437928096 05 07/01/04 0.0000 63004298 O 06/01/34 0 9449978 U09/G02 F 50,300.00 ZZ 360 50,300.00 1 7.6250 356.02 90 7.3750 356.02 KALAMAZOO MI 49001 1 05/21/04 11 0437936685 05 07/01/04 25.0000 2400659 N 06/01/34 0 9450028 E23/G02 F 232,000.00 ZZ 360 232,000.00 1 7.1250 1563.03 80 6.8750 1563.03 RAMONA CA 92065 1 05/14/04 00 0437933922 05 07/01/04 0.0000 11028397 N 06/01/34 0 Total Number of Loans 1,386 Total Original Balance 271,364,849.06 Total Principal Balance 271,022,933.55 Total Original P+I 1,651,782.95 Total Current P+I 1,651,782.95 Fixed Rate Passthru Loan Number Sub Serv Fee Principal Bal Mstr Serv Fee Curr Note Rate Alloc Exp Net Curr Misc Exp Investor Rate Spread Post Strip Rate Strip 8419414 0.2500 286193.16 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8474134 0.2500 94926.93 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8535512 0.2500 174559.33 0.0300 5.3750 0.0000 5.1250 0.0000 5.0950 5.0950 0.0000 8556704 0.2500 450207.10 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8557022 0.2500 150805.39 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 8620958 0.2500 159421.55 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 8757948 0.2500 157935.73 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 8913997 0.2500 183641.42 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8920125 0.2500 146592.32 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8920959 0.2500 205106.58 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8922995 0.2500 99265.29 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 8929769 0.2500 146722.62 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 8931123 0.2500 136670.20 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8931215 0.2500 209780.75 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8931257 0.2500 499477.97 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8931297 0.2500 123077.35 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8931325 0.2500 88561.75 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8931539 0.2500 129786.13 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8931541 0.2500 70226.60 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8931547 0.2500 174821.58 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8931609 0.2500 333398.33 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8931777 0.2500 57833.57 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8931793 0.2500 97911.40 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8931815 0.2500 50953.90 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8931843 0.2500 157350.56 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8931851 0.2500 280706.62 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8931877 0.2500 73421.42 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 8932729 0.2500 471495.40 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 8933383 0.2500 211817.47 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8933641 0.2500 97811.50 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8933977 0.2500 93304.77 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8933981 0.2500 127872.58 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8934091 0.2500 203796.92 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8934209 0.2500 194805.88 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8934225 0.2500 86911.30 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8934235 0.2500 102894.99 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8934261 0.2500 224265.61 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8934379 0.2500 419571.79 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8934389 0.2500 447574.92 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8934437 0.2500 176324.29 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8934503 0.2500 374617.67 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8934517 0.2500 454536.10 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8934539 0.2500 169822.51 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8934691 0.2500 125874.57 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8934763 0.2500 85514.78 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8934797 0.2500 186789.76 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8934859 0.2500 116089.75 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8934893 0.2500 227761.95 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8934899 0.2500 264001.51 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8935387 0.2500 161354.00 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8935441 0.2500 213961.75 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8935753 0.2500 127744.52 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8936319 0.2500 243512.06 0.0300 5.9900 0.0000 5.7400 0.0000 5.7100 5.7100 0.0000 8936555 0.2500 99907.38 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 8936673 0.2500 166067.87 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8936683 0.2500 139733.64 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8936693 0.2500 284483.32 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8936701 0.2500 141723.26 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8936711 0.2500 174667.03 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8936717 0.2500 472000.24 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8936721 0.2500 191625.83 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8936767 0.2500 259481.05 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8936769 0.2500 262683.84 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 8936777 0.2500 308397.82 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8936781 0.2500 319447.43 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8936795 0.2500 93389.37 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8936805 0.2500 129752.66 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8936809 0.2500 133345.80 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8937727 0.2500 71756.48 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8937751 0.2500 548269.04 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8937757 0.2500 71935.46 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8937759 0.2500 72184.38 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8937761 0.2500 69595.69 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8937763 0.2500 67405.25 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8937765 0.2500 61132.70 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8939601 0.2500 47210.30 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 8939605 0.2500 153454.26 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8940725 0.2500 268295.59 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8940879 0.2500 234760.41 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8941087 0.2500 622724.49 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8941111 0.2500 370809.70 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 8941181 0.2500 425584.94 0.0300 5.3750 0.0000 5.1250 0.0000 5.0950 5.0950 0.0000 8941187 0.2500 383196.24 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8941199 0.2500 347471.18 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8941219 0.2500 518363.45 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8941271 0.2500 374732.46 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8941339 0.2500 704556.87 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8941353 0.2500 399182.37 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8942191 0.2500 74851.61 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 8945091 0.2500 45383.68 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8945803 0.2500 71135.64 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 8947471 0.2500 105135.22 0.0800 7.2500 0.0000 7.0000 0.0000 6.9200 5.7500 1.1700 8947585 0.2500 88411.90 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8947613 0.2500 51452.30 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 8947637 0.2500 262244.86 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8948113 0.2500 195809.50 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8948165 0.2500 122948.18 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8948331 0.2500 82721.44 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8948679 0.2500 149843.39 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8950279 0.2500 424586.93 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8951819 0.2500 267726.76 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8951883 0.2500 66940.89 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 8951963 0.2500 131868.59 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8952137 0.2500 225086.23 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8952177 0.2500 398602.79 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8953327 0.2500 275138.69 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8955583 0.2500 83171.01 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 8955835 0.2500 114386.01 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 8955993 0.2500 449058.09 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 8956009 0.2500 508957.50 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 8956033 0.2500 419099.88 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 8956091 0.2500 68653.29 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 8956133 0.2500 454047.62 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0.1700 9249482 0.2500 298646.25 0.0300 5.3750 0.0000 5.1250 0.0000 5.0950 5.0950 0.0000 9249516 0.2500 454598.39 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9249540 0.2500 85741.85 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9249542 0.2500 127744.50 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9249576 0.2500 102822.14 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9249590 0.2500 298932.86 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9249594 0.2500 118858.90 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9249602 0.2500 69407.12 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9249608 0.2500 69407.12 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9249618 0.2500 69407.12 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9249642 0.2500 87811.40 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9249654 0.2500 133147.01 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9249656 0.2500 237085.33 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9249698 0.2500 118745.11 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9249710 0.2500 80073.90 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9249746 0.2500 109775.13 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9249788 0.2500 487115.27 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9249812 0.2500 82263.93 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9249928 0.2500 67361.94 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9249936 0.2500 62888.52 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9249956 0.2500 308175.75 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9249960 0.2500 63766.24 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9249998 0.2500 63719.75 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9250006 0.2500 137717.90 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250018 0.2500 93693.83 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9250086 0.2500 327329.53 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250096 0.2500 299310.25 0.0300 5.2500 0.0000 5.0000 0.0000 4.9700 4.9700 0.0000 9250140 0.2500 95377.37 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250150 0.2500 31441.99 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9250162 0.2500 88051.36 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9250174 0.2500 333095.01 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9250178 0.2500 333080.20 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9250182 0.2500 327305.53 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9250190 0.2500 129727.89 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9250210 0.2500 333009.87 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250214 0.2500 332970.04 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250250 0.2500 88036.17 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9250260 0.2500 149734.57 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9250298 0.2500 85936.17 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9250302 0.2500 66922.43 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9250322 0.2500 131631.27 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9250348 0.2500 100816.89 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9250486 0.2500 96801.71 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250620 0.2500 120416.43 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9250664 0.2500 99800.38 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9250676 0.2500 76664.93 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9250680 0.2500 103682.50 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9250698 0.2500 109021.31 0.0300 5.7500 0.0000 5.5000 0.0000 5.4700 5.4700 0.0000 9250704 0.2500 119383.16 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9250708 0.2500 101515.62 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9250714 0.2500 74112.08 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9250772 0.2500 112710.68 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9250776 0.2500 154859.46 0.0300 5.5000 0.0000 5.2500 0.0000 5.2200 5.2200 0.0000 9250782 0.2500 234472.44 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9250816 0.2500 111806.60 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9250826 0.2500 83630.06 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250830 0.2500 120511.17 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9250838 0.2500 122853.35 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250852 0.2500 135073.33 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9250856 0.2500 224550.90 0.0300 6.0000 0.0000 5.7500 0.0000 5.7200 5.7200 0.0000 9250862 0.2500 63580.32 0.0800 6.6250 0.0000 6.3750 0.0000 6.2950 5.7500 0.5450 9256222 0.2500 60200.85 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9261468 0.2500 126638.60 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9265972 0.2500 207574.83 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9269694 0.2500 83334.10 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9274526 0.2500 117900.86 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9281660 0.2500 348434.72 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9282022 0.2500 440000.00 0.0800 6.7500 0.0000 6.5000 0.0000 6.4200 5.7500 0.6700 9285398 0.2500 153441.56 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9285408 0.2500 71793.97 0.0800 6.2500 0.0000 6.0000 0.0000 5.9200 5.7500 0.1700 9285422 0.2500 284688.82 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9437834 0.2500 384673.81 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9438342 0.2500 125865.30 0.0300 5.6250 0.0000 5.3750 0.0000 5.3450 5.3450 0.0000 9441816 0.2500 163840.60 0.0800 6.1250 0.0000 5.8750 0.0000 5.7950 5.7500 0.0450 9442510 0.2500 275718.61 0.0300 5.8750 0.0000 5.6250 0.0000 5.5950 5.5950 0.0000 9442616 0.2500 343681.39 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9443060 0.2500 331692.50 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9443136 0.2500 82425.42 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9444932 0.2500 112000.00 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9445026 0.2500 91916.83 0.0800 6.5000 0.0000 6.2500 0.0000 6.1700 5.7500 0.4200 9445358 0.2500 104000.00 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9445364 0.2500 105600.00 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9445368 0.2500 104800.00 0.0800 7.0000 0.0000 6.7500 0.0000 6.6700 5.7500 0.9200 9448238 0.2500 175500.00 0.0800 6.8750 0.0000 6.6250 0.0000 6.5450 5.7500 0.7950 9449570 0.2500 202000.00 0.0800 6.3750 0.0000 6.1250 0.0000 6.0450 5.7500 0.2950 9449978 0.2500 50300.00 0.0800 7.6250 0.0000 7.3750 0.0000 7.2950 5.7500 1.5450 9450028 0.2500 232000.00 0.0800 7.1250 0.0000 6.8750 0.0000 6.7950 5.7500 1.0450 Total Number of Loans: 1,386 Total Original Balance: 271,364,849.06 Total Principal Balance: 271,022,933.55 Total Original P+I: 1,651,782.95 Total Current P+I: 1,651,782.95
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8419414 "$286,193.16 " 0.0547 0.048695652 "$13,936.36 " 8535512 "$174,559.33 " 0.05095 0.113913043 "$19,884.58 " 8620958 "$159,421.55 " 0.05345 0.070434783 "$11,228.82 " 8920125 "$146,592.32 " 0.0547 0.048695652 "$7,138.41 " 8920959 "$205,106.58 " 0.05595 0.026956522 "$5,528.96 " 8931215 "$209,780.75 " 0.0547 0.048695652 "$10,215.41 " 8931257 "$499,477.97 " 0.0547 0.048695652 "$24,322.41 " 8931297 "$123,077.35 " 0.0572 0.005217391 $642.14 8931325 "$88,561.75 " 0.0572 0.005217391 $462.06 8931541 "$70,226.60 " 0.0547 0.048695652 "$3,419.73 " 8931547 "$174,821.58 " 0.05595 0.026956522 "$4,712.58 " 8931851 "$280,706.62 " 0.0547 0.048695652 "$13,669.19 " 8931877 "$73,421.42 " 0.05345 0.070434783 "$5,171.42 " 8932729 "$471,495.40 " 0.05345 0.070434783 "$33,209.68 " 8933977 "$93,304.77 " 0.05595 0.026956522 "$2,515.17 " 8933981 "$127,872.58 " 0.0572 0.005217391 $667.16 8934091 "$203,796.92 " 0.0572 0.005217391 "$1,063.29 " 8934209 "$194,805.88 " 0.0572 0.005217391 "$1,016.38 " 8934225 "$86,911.30 " 0.05595 0.026956522 "$2,342.83 " 8934235 "$102,894.99 " 0.05595 0.026956522 "$2,773.69 " 8934261 "$224,265.61 " 0.0547 0.048695652 "$10,920.76 " 8934379 "$419,571.79 " 0.05595 0.026956522 "$11,310.20 " 8934437 "$176,324.29 " 0.0572 0.005217391 $919.95 8934503 "$374,617.67 " 0.05595 0.026956522 "$10,098.39 " 8934517 "$454,536.10 " 0.05595 0.026956522 "$12,252.71 " 8934539 "$169,822.51 " 0.0547 0.048695652 "$8,269.62 " 8934691 "$125,874.57 " 0.0572 0.005217391 $656.74 8934763 "$85,514.78 " 0.0572 0.005217391 $446.16 8934797 "$186,789.76 " 0.0547 0.048695652 "$9,095.85 " 8934893 "$227,761.95 " 0.0547 0.048695652 "$11,091.02 " 8935441 "$213,961.75 " 0.05595 0.026956522 "$5,767.66 " 8935753 "$127,744.52 " 0.0572 0.005217391 $666.49 8936319 "$243,512.06 " 0.0571 0.006956522 "$1,694.00 " 8936673 "$166,067.87 " 0.0572 0.005217391 $866.44 8936767 "$259,481.05 " 0.0572 0.005217391 "$1,353.81 " 8936769 "$262,683.84 " 0.05345 0.070434783 "$18,502.08 " 8936795 "$93,389.37 " 0.0547 0.048695652 "$4,547.66 " 8937727 "$71,756.48 " 0.0572 0.005217391 $374.38 8937751 "$548,269.04 " 0.0547 0.048695652 "$26,698.32 " 8940725 "$268,295.59 " 0.0547 0.048695652 "$13,064.83 " 8940879 "$234,760.41 " 0.05595 0.026956522 "$6,328.32 " 8941087 "$622,724.49 " 0.05595 0.026956522 "$16,786.49 " 8941111 "$370,809.70 " 0.0522 0.092173913 "$34,178.98 " 8941181 "$425,584.94 " 0.05095 0.113913043 "$48,479.68 " 8941187 "$383,196.24 " 0.0547 0.048695652 "$18,659.99 " 8941199 "$347,471.18 " 0.0547 0.048695652 "$16,920.34 " 8941219 "$518,363.45 " 0.0547 0.048695652 "$25,242.05 " 8941271 "$374,732.46 " 0.05595 0.026956522 "$10,101.48 " 8941339 "$704,556.87 " 0.05595 0.026956522 "$18,992.40 " 8941353 "$399,182.37 " 0.05595 0.026956522 "$10,760.57 " 8945091 "$45,383.68 " 0.05595 0.026956522 "$1,223.39 " 8947585 "$88,411.90 " 0.0572 0.005217391 $461.28 8948165 "$122,948.18 " 0.05595 0.026956522 "$3,314.26 " 8948679 "$149,843.39 " 0.0547 0.048695652 "$7,296.72 " 8951819 "$267,726.76 " 0.05595 0.026956522 "$7,216.98 " 8951963 "$131,868.59 " 0.0572 0.005217391 $688.01 8952177 "$398,602.79 " 0.0572 0.005217391 "$2,079.67 " 8955835 "$114,386.01 " 0.0572 0.005217391 $596.80 8955993 "$449,058.09 " 0.0547 0.048695652 "$21,867.18 " 8956009 "$508,957.50 " 0.05595 0.026956522 "$13,719.72 " 8956033 "$419,099.88 " 0.05345 0.070434783 "$29,519.21 " 8956133 "$454,047.62 " 0.0547 0.048695652 "$22,110.15 " 8956225 "$471,972.63 " 0.05345 0.070434783 "$33,243.29 " 8956339 "$109,887.85 " 0.05595 0.026956522 "$2,962.19 " 8956455 "$435,087.40 " 0.0547 0.048695652 "$21,186.86 " 8956471 "$419,141.48 " 0.05595 0.026956522 "$11,298.60 " 8956563 "$424,089.17 " 0.05345 0.070434783 "$29,870.63 " 8956651 "$432,093.66 " 0.0547 0.048695652 "$21,041.08 " 8956687 "$399,592.18 " 0.05595 0.026956522 "$10,771.62 " 8956783 "$424,110.41 " 0.0547 0.048695652 "$20,652.33 " 8956807 "$399,182.35 " 0.05595 0.026956522 "$10,760.57 " 8957273 "$499,490.23 " 0.05595 0.026956522 "$13,464.52 " 8958643 "$54,844.03 " 0.05595 0.026956522 "$1,478.40 " 8958851 "$131,730.18 " 0.05595 0.026956522 "$3,550.99 " 8959519 "$101,896.00 " 0.05595 0.026956522 "$2,746.76 " 8960153 "$443,547.32 " 0.05595 0.026956522 "$11,956.49 " 8960341 "$129,867.46 " 0.05595 0.026956522 "$3,500.78 " 8960445 "$74,923.54 " 0.05595 0.026956522 "$2,019.68 " 8960487 "$94,763.29 " 0.05595 0.026956522 "$2,554.49 " 8961451 "$414,310.16 " 0.05345 0.070434783 "$29,181.85 " 8961465 "$498,953.44 " 0.0547 0.048695652 "$24,296.86 " 8961479 "$498,977.96 " 0.05595 0.026956522 "$13,450.71 " 8961487 "$623,691.79 " 0.0547 0.048695652 "$30,371.08 " 8961491 "$415,108.46 " 0.05345 0.070434783 "$29,238.07 " 8961525 "$465,686.00 " 0.05345 0.070434783 "$32,800.49 " 8961527 "$437,061.30 " 0.05345 0.070434783 "$30,784.32 " 8961537 "$395,209.59 " 0.0572 0.005217391 "$2,061.96 " 8961539 "$700,565.04 " 0.05595 0.026956522 "$18,884.80 " 8961575 "$415,065.62 " 0.05095 0.113913043 "$47,281.39 " 8961591 "$528,890.63 " 0.0547 0.048695652 "$25,754.67 " 8962823 "$81,916.40 " 0.05595 0.026956522 "$2,208.18 " 8962967 "$124,872.56 " 0.05595 0.026956522 "$3,366.13 " 8962975 "$123,154.31 " 0.05595 0.026956522 "$3,319.81 " 8963175 "$138,658.49 " 0.05595 0.026956522 "$3,737.75 " 8963307 "$94,650.41 " 0.05595 0.026956522 "$2,551.45 " 8963315 "$65,932.71 " 0.05595 0.026956522 "$1,777.32 " 8964663 "$973,957.66 " 0.05345 0.070434783 "$68,600.50 " 8965469 "$128,372.08 " 0.0572 0.005217391 $669.77 8966223 "$86,313.99 " 0.0572 0.005217391 $450.33 8966249 "$424,566.69 " 0.05595 0.026956522 "$11,444.84 " 8966263 "$63,135.57 " 0.05595 0.026956522 "$1,701.92 " 8966289 "$183,812.40 " 0.05595 0.026956522 "$4,954.94 " 8966485 "$118,678.87 " 0.05595 0.026956522 "$3,199.17 " 8966521 "$104,585.76 " 0.05595 0.026956522 "$2,819.27 " 8966623 "$147,845.48 " 0.0547 0.048695652 "$7,199.43 " 8968091 "$271,729.22 " 0.0572 0.005217391 "$1,417.72 " 8969759 "$59,940.27 " 0.0572 0.005217391 $312.73 8970753 "$548,912.54 " 0.05345 0.070434783 "$38,662.54 " 8970767 "$159,820.72 " 0.05095 0.113913043 "$18,205.66 " 8970789 "$435,607.74 " 0.05595 0.026956522 "$11,742.47 " 8971001 "$94,653.40 " 0.05595 0.026956522 "$2,551.53 " 8971019 "$483,506.53 " 0.05595 0.026956522 "$13,033.65 " 8971039 "$108,994.01 " 0.05595 0.026956522 "$2,938.10 " 8971085 "$514,462.30 " 0.0547 0.048695652 "$25,052.08 " 8971101 "$171,824.63 " 0.05595 0.026956522 "$4,631.79 " 8971111 "$179,807.56 " 0.05345 0.070434783 "$12,664.71 " 8971129 "$434,512.56 " 0.05095 0.113913043 "$49,496.65 " 8971155 "$524,464.73 " 0.05595 0.026956522 "$14,137.74 " 8971163 "$94,297.47 " 0.05345 0.070434783 "$6,641.82 " 8971179 "$539,422.70 " 0.05345 0.070434783 "$37,994.12 " 8971343 "$488,477.23 " 0.05345 0.070434783 "$34,405.79 " 8971381 "$594,363.90 " 0.05345 0.070434783 "$41,863.89 " 8971455 "$349,267.39 " 0.0547 0.048695652 "$17,007.80 " 8971841 "$194,791.53 " 0.05345 0.070434783 "$13,720.10 " 8971975 "$209,775.50 " 0.05345 0.070434783 "$14,775.49 " 8972041 "$649,321.35 " 0.0547 0.048695652 "$31,619.13 " 8972173 "$131,730.18 " 0.05595 0.026956522 "$3,550.99 " 8972185 "$54,280.63 " 0.0522 0.092173913 "$5,003.26 " 8972193 "$299,686.78 " 0.0547 0.048695652 "$14,593.44 " 8972213 "$59,880.22 " 0.0572 0.005217391 $312.42 8972233 "$608,692.68 " 0.05345 0.070434783 "$42,873.14 " 8972253 "$222,767.17 " 0.0547 0.048695652 "$10,847.79 " 8972263 "$120,377.14 " 0.05595 0.026956522 "$3,244.95 " 8972273 "$380,102.73 " 0.0547 0.048695652 "$18,509.35 " 8972301 "$394,577.71 " 0.05345 0.070434783 "$27,792.00 " 8972305 "$393,568.74 " 0.0522 0.092173913 "$36,276.77 " 8972307 "$127,866.35 " 0.0547 0.048695652 "$6,226.54 " 8972315 "$333,343.25 " 0.05345 0.070434783 "$23,478.96 " 8972339 "$517,046.65 " 0.05345 0.070434783 "$36,418.07 " 8972345 "$295,676.01 " 0.0522 0.092173913 "$27,253.61 " 8972353 "$69,921.56 " 0.05095 0.113913043 "$7,964.98 " 8972359 "$649,321.35 " 0.0547 0.048695652 "$31,619.13 " 8972365 "$235,517.60 " 0.05595 0.026956522 "$6,348.74 " 8972373 "$131,862.18 " 0.0547 0.048695652 "$6,421.11 " 8972399 "$431,120.38 " 0.0572 0.005217391 "$2,249.32 " 8972417 "$508,932.49 " 0.0547 0.048695652 "$24,782.80 " 8972427 "$248,216.89 " 0.05345 0.070434783 "$17,483.10 " 8973927 "$121,379.05 " 0.0572 0.005217391 $633.28 8974321 "$333,367.80 " 0.0572 0.005217391 "$1,739.31 " 8974391 "$185,905.70 " 0.0547 0.048695652 "$9,052.80 " 8974409 "$68,931.31 " 0.0572 0.005217391 $359.64 8974453 "$82,811.37 " 0.05345 0.070434783 "$5,832.80 " 8976279 "$74,923.54 " 0.05595 0.026956522 "$2,019.68 " 8977079 "$439,561.98 " 0.0572 0.005217391 "$2,293.37 " 8978541 "$104,695.67 " 0.0572 0.005217391 $546.24 8979199 "$169,830.76 " 0.0572 0.005217391 $886.07 8979253 "$386,295.75 " 0.05595 0.026956522 "$10,413.19 " 8981525 "$102,300.00 " 0.05595 0.026956522 "$2,757.65 " 8981585 "$142,854.20 " 0.05595 0.026956522 "$3,850.85 " 8981613 "$379,612.58 " 0.05595 0.026956522 "$10,233.03 " 8981663 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"$3,942.39 " 9039767 "$99,900.44 " 0.0572 0.005217391 $521.22 9039791 "$99,900.44 " 0.0572 0.005217391 $521.22 9043061 "$129,000.00 " 0.05595 0.026956522 "$3,477.39 " 9043593 "$197,600.00 " 0.05595 0.026956522 "$5,326.61 " 9044697 "$290,420.00 " 0.05345 0.070434783 "$20,455.67 " 9044731 "$146,000.00 " 0.0572 0.005217391 $761.74 9044811 "$120,000.00 " 0.05345 0.070434783 "$8,452.17 " 9045839 "$346,500.00 " 0.05595 0.026956522 "$9,340.43 " 9045843 "$214,770.15 " 0.05345 0.070434783 "$15,127.29 " 9047053 "$246,875.33 " 0.05345 0.070434783 "$17,388.61 " 9047055 "$332,335.34 " 0.0572 0.005217391 "$1,733.92 " 9047057 "$264,716.70 " 0.05345 0.070434783 "$18,645.26 " 9047065 "$333,343.25 " 0.05345 0.070434783 "$23,478.96 " 9047079 "$156,578.43 " 0.0522 0.092173913 "$14,432.45 " 9047527 "$152,836.44 " 0.05345 0.070434783 "$10,765.00 " 9047531 "$194,801.19 " 0.05595 0.026956522 "$5,251.16 " 9047561 "$426,084.88 " 0.05345 0.070434783 "$30,011.20 " 9047577 "$158,834.00 " 0.0547 0.048695652 "$7,734.53 " 9047579 "$333,326.08 " 0.05095 0.113913043 "$37,970.19 " 9047585 "$325,152.02 " 0.05345 0.070434783 "$22,902.01 " 9047589 "$107,132.61 " 0.0522 0.092173913 "$9,874.83 " 9047605 "$159,832.95 " 0.0547 0.048695652 "$7,783.17 " 9047619 "$329,455.67 " 0.0547 0.048695652 "$16,043.06 " 9047639 "$186,804.76 " 0.0547 0.048695652 "$9,096.58 " 9047799 "$231,751.98 " 0.05345 0.070434783 "$16,323.40 " 9047919 "$326,650.41 " 0.05345 0.070434783 "$23,007.55 " 9048119 "$225,958.18 " 0.05345 0.070434783 "$15,915.32 " 9048375 "$251,958.86 " 0.05345 0.070434783 "$17,746.67 " 9048401 "$332,699.26 " 0.05345 0.070434783 "$23,433.60 " 9048411 "$239,743.42 " 0.05345 0.070434783 "$16,886.28 " 9048415 "$230,519.23 " 0.05595 0.026956522 "$6,214.00 " 9048417 "$120,873.67 " 0.0547 0.048695652 "$5,886.02 " 9048419 "$234,736.67 " 0.05095 0.113913043 "$26,739.57 " 9048429 "$205,558.52 " 0.05345 0.070434783 "$14,478.47 " 9048525 "$151,837.50 " 0.05345 0.070434783 "$10,694.64 " 9048527 "$199,775.89 " 0.05095 0.113913043 "$22,757.08 " 9048529 "$301,591.95 " 0.0522 0.092173913 "$27,798.91 " 9048535 "$282,697.45 " 0.05345 0.070434783 "$19,911.73 " 9048555 "$279,686.25 " 0.05095 0.113913043 "$31,859.91 " 9048567 "$309,303.71 " 0.05095 0.113913043 "$35,233.73 " 9048577 "$199,775.89 " 0.05095 0.113913043 "$22,757.08 " 9049813 "$245,749.19 " 0.05595 0.026956522 "$6,624.54 " 9050221 "$341,252.96 " 0.0522 0.092173913 "$31,454.62 " 9050227 "$179,816.48 " 0.05595 0.026956522 "$4,847.23 " 9050229 "$329,647.21 " 0.05345 0.070434783 "$23,218.63 " 9050231 "$333,351.60 " 0.0547 0.048695652 "$16,232.77 " 9050241 "$142,500.00 " 0.0497 0.135652174 "$19,330.43 " 9050253 "$361,630.92 " 0.05595 0.026956522 "$9,748.31 " 9050257 "$438,146.96 " 0.05595 0.026956522 "$11,810.92 " 9050267 "$91,864.67 " 0.05595 0.026956522 "$2,476.35 " 9050271 "$115,829.37 " 0.05595 0.026956522 "$3,122.36 " 9050277 "$362,430.11 " 0.05595 0.026956522 "$9,769.86 " 9050279 "$199,296.60 " 0.05595 0.026956522 "$5,372.34 " 9050289 "$315,662.18 " 0.05345 0.070434783 "$22,233.60 " 9050293 "$120,233.71 " 0.05595 0.026956522 "$3,241.08 " 9050305 "$390,000.00 " 0.05345 0.070434783 "$27,469.57 " 9050311 "$265,728.80 " 0.05595 0.026956522 "$7,163.12 " 9050317 "$156,832.16 " 0.05345 0.070434783 "$11,046.44 " 9050319 "$97,900.08 " 0.05595 0.026956522 "$2,639.05 " 9050399 "$251,736.90 " 0.0547 0.048695652 "$12,258.49 " 9050401 "$205,390.38 " 0.05595 0.026956522 "$5,536.61 " 9050407 "$184,569.08 " 0.05095 0.113913043 "$21,024.83 " 9050409 "$485,516.18 " 0.0572 0.005217391 "$2,533.13 " 9050415 "$499,465.47 " 0.05345 0.070434783 "$35,179.74 " 9050421 "$213,277.09 " 0.0547 0.048695652 "$10,385.67 " 9050423 "$249,751.12 " 0.0572 0.005217391 "$1,303.05 " 9050429 "$220,000.00 " 0.05595 0.026956522 "$5,930.43 " 9050431 "$122,500.00 " 0.0547 0.048695652 "$5,965.22 " 9050435 "$203,792.01 " 0.05595 0.026956522 "$5,493.52 " 9050443 "$164,757.45 " 0.0472 0.179130435 "$29,513.07 " 9050449 "$140,849.26 " 0.05345 0.070434783 "$9,920.69 " 9050451 "$205,779.78 " 0.05345 0.070434783 "$14,494.05 " 9050455 "$286,669.91 " 0.0522 0.092173913 "$26,423.49 " 9050461 "$208,587.12 " 0.05595 0.026956522 "$5,622.78 " 9050465 "$307,678.43 " 0.0547 0.048695652 "$14,982.60 " 9050479 "$184,797.51 " 0.0522 0.092173913 "$17,033.51 " 9050481 "$74,825.31 " 0.05095 0.113913043 "$8,523.58 " 9050489 "$204,785.97 " 0.0547 0.048695652 "$9,972.19 " 9050525 "$175,000.00 " 0.05595 0.026956522 "$4,717.39 " 9050531 "$256,531.88 " 0.0547 0.048695652 "$12,491.99 " 9050537 "$121,872.62 " 0.0547 0.048695652 "$5,934.67 " 9050539 "$325,643.18 " 0.0522 0.092173913 "$30,015.81 " 9050543 "$152,165.02 " 0.05595 0.026956522 "$4,101.84 " 9050547 "$283,575.74 " 0.05595 0.026956522 "$7,644.22 " 9050559 "$287,692.11 " 0.05345 0.070434783 "$20,263.53 " 9050571 "$95,789.13 " 0.05595 0.026956522 "$2,582.14 " 9050573 "$376,606.39 " 0.0547 0.048695652 "$18,339.09 " 9050593 "$212,567.08 " 0.0522 0.092173913 "$19,593.14 " 9050595 "$134,255.32 " 0.05345 0.070434783 "$9,456.24 " 9050607 "$89,701.05 " 0.0522 0.092173913 "$8,268.10 " 9051127 "$187,500.00 " 0.0572 0.005217391 $978.26 9051439 "$169,830.76 " 0.0572 0.005217391 $886.07 9051443 "$84,000.00 " 0.05595 0.026956522 "$2,264.35 " 9051445 "$294,192.53 " 0.0547 0.048695652 "$14,325.90 " 9051461 "$303,634.73 " 0.0472 0.179130435 "$54,390.22 " 9051493 "$197,798.13 " 0.05595 0.026956522 "$5,331.95 " 9051537 "$179,816.48 " 0.05595 0.026956522 "$4,847.23 " 9051541 "$333,351.60 " 0.0547 0.048695652 "$16,232.77 " 9051549 "$359,632.96 " 0.05595 0.026956522 "$9,694.45 " 9051553 "$464,276.17 " 0.05595 0.026956522 "$12,515.27 " 9051569 "$232,000.00 " 0.05345 0.070434783 "$16,340.87 " 9051581 "$239,755.31 " 0.05595 0.026956522 "$6,462.97 " 9051585 "$271,709.21 " 0.05345 0.070434783 "$19,137.78 " 9051639 "$216,749.24 " 0.05595 0.026956522 "$5,842.81 " 9051647 "$179,915.77 " 0.0547 0.048695652 "$8,761.12 " 9051651 "$279,714.52 " 0.05595 0.026956522 "$7,540.13 " 9051655 "$311,681.90 " 0.05595 0.026956522 "$8,401.86 " 9051675 "$114,682.95 " 0.05595 0.026956522 "$3,091.45 " 9051677 "$279,714.52 " 0.05595 0.026956522 "$7,540.13 " 9051689 "$97,855.84 " 0.05595 0.026956522 "$2,637.85 " 9051703 "$486,028.19 " 0.0547 0.048695652 "$23,667.46 " 9051707 "$720,000.00 " 0.05595 0.026956522 "$19,408.70 " 9051729 "$156,476.46 " 0.0547 0.048695652 "$7,619.72 " 9051731 "$649,337.29 " 0.05595 0.026956522 "$17,503.87 " 9051733 "$268,226.25 " 0.05595 0.026956522 "$7,230.45 " 9051737 "$247,241.60 " 0.0547 0.048695652 "$12,039.59 " 9051741 "$193,267.86 " 0.05595 0.026956522 "$5,209.83 " 9051765 "$397,594.21 " 0.05595 0.026956522 "$10,717.76 " 9051781 "$70,230.01 " 0.0572 0.005217391 $366.42 9051805 "$518,000.00 " 0.05345 0.070434783 "$36,485.22 " 9051807 "$251,710.95 " 0.0497 0.135652174 "$34,145.14 " 9051825 "$532,402.75 " 0.05095 0.113913043 "$60,647.62 " 9057057 "$68,157.04 " 0.0547 0.048695652 "$3,318.95 " 9057071 "$309,676.34 " 0.0547 0.048695652 "$15,079.89 " 9057083 "$174,803.90 " 0.05095 0.113913043 "$19,912.44 " 9057087 "$125,043.53 " 0.0572 0.005217391 $652.40 9057091 "$332,652.33 " 0.0547 0.048695652 "$16,198.72 " 9057093 "$120,740.69 " 0.05345 0.070434783 "$8,504.34 " 9057095 "$74,850.31 " 0.0572 0.005217391 $390.52 9058407 "$124,000.00 " 0.05595 0.026956522 "$3,342.61 " 9059415 "$100,200.00 " 0.0572 0.005217391 $522.78 9059569 "$159,000.00 " 0.0572 0.005217391 $829.57 9061841 "$98,963.24 " 0.05095 0.113913043 "$11,273.20 " 9063261 "$109,885.15 " 0.0547 0.048695652 "$5,350.93 " 9063315 "$174,821.58 " 0.05595 0.026956522 "$4,712.58 " 9063337 "$153,842.99 " 0.05595 0.026956522 "$4,147.07 " 9063365 "$168,670.00 " 0.05595 0.026956522 "$4,546.76 " 9063403 "$239,255.82 " 0.05595 0.026956522 "$6,449.50 " 9063431 "$107,884.54 " 0.05345 0.070434783 "$7,598.82 " 9063443 "$109,887.85 " 0.05595 0.026956522 "$2,962.19 " 9063455 "$99,895.60 " 0.0547 0.048695652 "$4,864.48 " 9064345 "$161,826.81 " 0.05345 0.070434783 "$11,398.24 " 9064369 "$54,941.19 " 0.05345 0.070434783 "$3,869.77 " 9064531 "$265,722.27 " 0.0547 0.048695652 "$12,939.52 " 9064545 "$137,459.71 " 0.05595 0.026956522 "$3,705.44 " 9064683 "$128,250.00 " 0.05595 0.026956522 "$3,457.17 " 9064939 "$109,932.35 " 0.05345 0.070434783 "$7,743.06 " 9065045 "$80,915.43 " 0.0547 0.048695652 "$3,940.23 " 9065135 "$84,411.78 " 0.0547 0.048695652 "$4,110.49 " 9066523 "$124,872.55 " 0.05595 0.026956522 "$3,366.13 " 9066563 "$191,799.54 " 0.0547 0.048695652 "$9,339.80 " 9066573 "$224,770.59 " 0.05595 0.026956522 "$6,059.03 " 9066577 "$144,848.60 " 0.0547 0.048695652 "$7,053.50 " 9066579 "$416,732.50 " 0.05095 0.113913043 "$47,471.27 " 9066605 "$199,800.89 " 0.0572 0.005217391 "$1,042.44 " 9066641 "$57,888.04 " 0.05345 0.070434783 "$4,077.33 " 9066645 "$274,712.88 " 0.0547 0.048695652 "$13,377.32 " 9066705 "$123,870.53 " 0.0547 0.048695652 "$6,031.96 " 9066717 "$74,915.96 " 0.05095 0.113913043 "$8,533.91 " 9073363 "$127,717.00 " 0.05595 0.026956522 "$3,442.81 " 9077563 "$58,400.00 " 0.0547 0.048695652 "$2,843.83 " 9077569 "$100,400.00 " 0.0547 0.048695652 "$4,889.04 " 9077603 "$57,600.00 " 0.0547 0.048695652 "$2,804.87 " 9092323 "$280,000.00 " 0.05595 0.026956522 "$7,547.83 " 9215386 "$299,055.83 " 0.0547 0.048695652 "$14,562.72 " 9247734 "$90,314.99 " 0.05595 0.026956522 "$2,434.58 " 9247748 "$120,564.57 " 0.0572 0.005217391 $629.03 9247756 "$131,603.79 " 0.0572 0.005217391 $686.63 9247824 "$51,669.16 " 0.05595 0.026956522 "$1,392.82 " 9247914 "$128,095.56 " 0.0547 0.048695652 "$6,237.70 " 9248008 "$96,796.96 " 0.0547 0.048695652 "$4,713.59 " 9248040 "$104,677.25 " 0.05595 0.026956522 "$2,821.73 " 9248092 "$127,696.10 " 0.0572 0.005217391 $666.24 9248124 "$308,072.56 " 0.0522 0.092173913 "$28,396.25 " 9248898 "$239,010.43 " 0.05595 0.026956522 "$6,442.89 " 9248906 "$113,542.62 " 0.0572 0.005217391 $592.40 9248960 "$604,743.19 " 0.05595 0.026956522 "$16,301.77 " 9249066 "$95,304.79 " 0.05595 0.026956522 "$2,569.09 " 9249070 "$124,474.18 " 0.0547 0.048695652 "$6,061.35 " 9249142 "$136,878.66 " 0.05595 0.026956522 "$3,689.77 " 9249152 "$125,045.15 " 0.0522 0.092173913 "$11,525.90 " 9249246 "$84,371.67 " 0.05595 0.026956522 "$2,274.37 " 9249274 "$138,210.10 " 0.0547 0.048695652 "$6,730.23 " 9249326 "$129,602.50 " 0.0547 0.048695652 "$6,311.08 " 9249344 "$135,581.95 " 0.05595 0.026956522 "$3,654.82 " 9249364 "$423,135.22 " 0.05345 0.070434783 "$29,803.44 " 9249384 "$126,097.79 " 0.0572 0.005217391 $657.90 9249392 "$117,127.95 " 0.0572 0.005217391 $611.10 9249482 "$298,646.25 " 0.05095 0.113913043 "$34,019.70 " 9249516 "$454,598.39 " 0.05595 0.026956522 "$12,254.39 " 9249540 "$85,741.85 " 0.0572 0.005217391 $447.35 9249542 "$127,744.50 " 0.0572 0.005217391 $666.49 9249590 "$298,932.86 " 0.05345 0.070434783 "$21,055.27 " 9249642 "$87,811.40 " 0.05345 0.070434783 "$6,184.98 " 9249656 "$237,085.33 " 0.0522 0.092173913 "$21,853.08 " 9249698 "$118,745.11 " 0.0547 0.048695652 "$5,782.37 " 9249710 "$80,073.90 " 0.0522 0.092173913 "$7,380.72 " 9249746 "$109,775.13 " 0.05595 0.026956522 "$2,959.16 " 9249928 "$67,361.94 " 0.05595 0.026956522 "$1,815.84 " 9249960 "$63,766.24 " 0.0547 0.048695652 "$3,105.14 " 9250006 "$137,717.90 " 0.05595 0.026956522 "$3,712.40 " 9250018 "$93,693.83 " 0.0547 0.048695652 "$4,562.48 " 9250086 "$327,329.53 " 0.05595 0.026956522 "$8,823.67 " 9250096 "$299,310.25 " 0.0497 0.135652174 "$40,602.09 " 9250140 "$95,377.37 " 0.05595 0.026956522 "$2,571.04 " 9250190 "$129,727.89 " 0.0547 0.048695652 "$6,317.18 " 9250210 "$333,009.87 " 0.05595 0.026956522 "$8,976.79 " 9250214 "$332,970.04 " 0.05595 0.026956522 "$8,975.71 " 9250486 "$96,801.71 " 0.05595 0.026956522 "$2,609.44 " 9250620 "$120,416.43 " 0.0572 0.005217391 $628.26 9250664 "$99,800.38 " 0.0572 0.005217391 $520.70 9250676 "$76,664.93 " 0.0572 0.005217391 $399.99 9250680 "$103,682.50 " 0.0547 0.048695652 "$5,048.89 " 9250698 "$109,021.31 " 0.0547 0.048695652 "$5,308.86 " 9250772 "$112,710.68 " 0.0572 0.005217391 $588.06 9250776 "$154,859.46 " 0.0522 0.092173913 "$14,274.00 " 9250826 "$83,630.06 " 0.05595 0.026956522 "$2,254.38 " 9250830 "$120,511.17 " 0.0572 0.005217391 $628.75 9250838 "$122,853.35 " 0.05595 0.026956522 "$3,311.70 " 9250852 "$135,073.33 " 0.05595 0.026956522 "$3,641.11 " 9250856 "$224,550.90 " 0.0572 0.005217391 "$1,171.57 " 9265972 "$207,574.83 " 0.05595 0.026956522 "$5,595.50 " 9437834 "$384,673.81 " 0.05345 0.070434783 "$27,094.42 " 9438342 "$125,865.30 " 0.05345 0.070434783 "$8,865.30 " 9442510 "$275,718.61 " 0.05595 0.026956522 "$7,432.41 "
EXHIBIT THREE INFORMATION TO BE INCLUDED IN MONTHLY DISTRIBUTION DATE STATEMENT (i) (a) the amount of such distribution to the Certificateholders of such Class applied to reduce the Certificate Principal Balance thereof, and (b) the aggregate amount included therein representing Principal Prepayments; (ii) the amount of such distribution to Holders of such Class of Certificates allocable to interest; (iii) if the distribution to the Holders of such Class of Certificates is less than the full amount that would be distributable to such Holders if there were sufficient funds available therefor, the amount of the shortfall; (iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04; (v) the number and Pool Stated Principal Balance of the Mortgage Loans after giving effect to the distribution of principal on such Distribution Date; (vi) the aggregate Certificate Principal Balance of each Class of Certificates and each of the Senior Percentage and Subordinate Class Percentage, after giving effect to the amounts distributed on such Distribution Date, separately identifying any reduction thereof due to Realized Losses other than pursuant to an actual distribution of principal; (vii) the related Subordinate Principal Distribution Amount and Prepayment Distribution Percentage, if applicable; (viii) on the basis of the most recent reports furnished to it by Sub-Servicers, (a) the number and aggregate principal balances of Mortgage Loans that are Delinquent (1) 30-59 days, (2) 60-89 days and (3) 90 or more days and the number and aggregate principal balance of Mortgage Loans that are in foreclosure, (b) the number and aggregate principal balances of Reportable Modified Mortgage Loans that are Delinquent (1) 30-59 days, (2) 60-89 days and (3) 90 or more days and the number and aggregate principal balance of Reportable Modified Mortgage Loans that are in foreclosure and are REO Property, indicating in each case capitalized Mortgage Loans, other Servicing Modifications and totals, and (c) for all Reportable Modified Mortgage Loans, the number and aggregate Stated Principal Balance of Reportable Modified Mortgage Loans that have been liquidated, the subject of pay-offs and that have been repurchased by the Master Servicer or Seller; (ix) the number, aggregate principal balance and book value of any REO Properties; (x) the aggregate Accrued Certificate Interest remaining unpaid, if any, for each Class of Certificates, after giving effect to the distribution made on such Distribution Date; (xi) the Special Hazard Amount, Fraud Loss Amount and Bankruptcy Amount as of the close of business on such Distribution Date and a description of any change in the calculation of such amounts; (xii) the weighted average Pool Strip Rate for such Distribution Date and the Pass-Through Rate with respect to the Class A-V Certificates and each Subclass, if any, thereof; (xiii) the Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xiv) the occurrence of the Credit Support Depletion Date; (xv) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvi) the related Senior Percentage for such Distribution Date; (xvii) the aggregate amount of Realized Losses for such Distribution Date; (xviii) the aggregate amount of any recoveries on previously foreclosed loans from Sellers due to a breach of a representation or warranty assigned to the Trustee pursuant to Section 2.04; (xix) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xx) the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date. In the case of information furnished pursuant to clauses (i) and (ii) above, the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. The Trustee's internet website, and assistance in using the website, can be obtained by calling the Trustee's Shareholder Relations desk at (800) 735-7777. To receive this statement via first class mail, telephone the Trustee at (800) 735-7777. EXHIBIT FOUR STANDARD TERMS OF POOLING AND SERVICING AGREEMENT DATED AS OF APRIL 1, 2004 Residential Accredit Loans, Inc. Mortgage Asset-Backed Pass-Through Certificates
TABLE OF CONTENTS PAGE Article I DEFINITIONS...............................................................2 Section 1.01. Definitions...........................................................2 Section 1.02. Use of Words and Phrases.............................................32 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........33 Section 2.01. Conveyance of Mortgage Loans.........................................33 Section 2.02. Acceptance by Trustee................................................39 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company.............................................................40 Section 2.04. Representations and Warranties of Sellers............................42 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates...................44 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee........................................44 Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............44 Section 2.08. Purposes and Powers of the Trust.....................................44 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................45 Section 3.01. Master Servicer to Act as Servicer...................................45 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations.........46 Section 3.03. Successor Subservicers...............................................47 Section 3.04. Liability of the Master Servicer.....................................48 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders..........................................................48 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee........ 48 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account...........................................................49 Section 3.08. Subservicing Accounts; Servicing Accounts............................51 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans..............................................................53 Section 3.10. Permitted Withdrawals from the Custodial Account.....................53 i Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder..................................................................55 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage....................................................................56 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments................................57 Section 3.14. Realization Upon Defaulted Mortgage Loans............................59 Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................63 Section 3.16. Servicing and Other Compensation; Compensating Interest..............64 Section 3.17. Reports to the Trustee and the Company...............................65 Section 3.18. Annual Statement as to Compliance....................................65 Section 3.19. Annual Independent Public Accountants' Servicing Report..............66 Section 3.20. Rights of the Company in Respect of the Master Servicer..............66 Section 3.21. Administration of Buydown Funds......................................67 Article IV PAYMENTS TO CERTIFICATEHOLDERS...........................................68 Section 4.01. Certificate Account..................................................68 Section 4.02. Distributions........................................................68 Section 4.03. Statements to Certificateholders; Statements to Rating Agencies; Exchange Act Reporting............................................68 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.............................................70 Section 4.05. Allocation of Realized Losses........................................72 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........72 Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................72 Section 4.08. Surety Bond..........................................................72 Article V THE CERTIFICATES.........................................................74 Section 5.01. The Certificates.....................................................74 Section 5.02. Registration of Transfer and Exchange of Certificates................76 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................81 Section 5.04. Persons Deemed Owners................................................82 Section 5.05. Appointment of Paying Agent..........................................82 ii Section 5.06. U.S.A. Patriot Act Compliance........................................82 Article VI THE COMPANY AND THE MASTER SERVICER......................................83 Section 6.01. Respective Liabilities of the Company and the Master Servicer........83 Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer............83 Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others.................................................................... 84 Section 6.04. Company and Master Servicer Not to Resign............................85 Article VII DEFAULT..................................................................86 Section 7.01. Events of Default....................................................86 Section 7.02. Trustee or Company to Act; Appointment of Successor..................88 Section 7.03. Notification to Certificateholders...................................89 Section 7.04. Waiver of Events of Default..........................................89 Article VIII CONCERNING THE TRUSTEE...................................................90 Section 8.01. Duties of Trustee....................................................90 Section 8.02. Certain Matters Affecting the Trustee................................91 Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................93 Section 8.04. Trustee May Own Certificates.........................................93 Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification.............................................................93 Section 8.06. Eligibility Requirements for Trustee.................................94 Section 8.07. Resignation and Removal of the Trustee...............................95 Section 8.08. Successor Trustee....................................................95 Section 8.09. Merger or Consolidation of Trustee...................................96 Section 8.10. Appointment of Co-Trustee or Separate Trustee........................96 Section 8.11. Appointment of Custodians............................................97 Section 8.12. Appointment of Office or Agency......................................98 Article IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................99 iii Section 9.01. Optional Purchase by the Master Servicer of All Certificates; Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans..............................................................99 Section 9.02. Additional Termination Requirements.................................102 Section 9.03. Termination of Multiple REMICs......................................103 Article X REMIC PROVISIONS........................................................104 Section 10.01.REMIC Administration................................................104 Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....107 Section 10.03.Designation of REMIC(s).............................................108 Article XI MISCELLANEOUS PROVISIONS................................................109 Section 11.01.Amendment...........................................................109 Section 11.02.Recordation of Agreement; Counterparts..............................111 Section 11.03.Limitation on Rights of Certificateholders..........................112 Section 11.04.Governing Law.......................................................112 Section 11.05.Notices.............................................................113 Section 11.06.Required Notices to Rating Agency and Subservicer...................114 Section 11.07.Severability of Provisions..........................................114 Section 11.08.Supplemental Provisions for Resecuritization........................114 Section 11.09.Allocation of Voting Rights.........................................114 Section 11.10.No Petition.........................................................114 iv EXHIBITS Exhibit A: Form of Class A Certificate Exhibit B: Form of Class M Certificate Exhibit C: Form of Class B Certificate Exhibit D: Form of Class R Certificate Exhibit E: Form of Seller/Servicer Contract Exhibit F: Forms of Request for Release Exhibit G-1: Form of Transfer Affidavit and Agreement Exhibit G-2: Form of Transferor Certificate Exhibit H: Form of Investor Representation Letter Exhibit I: Form of Transferor Representation Letter Exhibit J: Form of Rule 144A Investment Representation Letter Exhibit K: Text of Amendment to Pooling and Servicing Agreement Pursuant to Section 11.01(e) for a Limited Guaranty Exhibit L: Form of Limited Guaranty Exhibit M: Form of Lender Certification for Assignment of Mortgage Loan Exhibit N: Request for Exchange Form Exhibit O: Form of Form 10-K Certification Exhibit P: Form of Back-Up Certification to Form 10-K Certificate Exhibit Q: Information to be Provided by the Master Servicer to the Rating Agencies Relating to Reportable Modified Mortgage Loans
v This is the Standard Terms of Pooling and Servicing Agreement, dated as of April 1, 2004 (the "Standard Terms", and as incorporated by reference into a Series Supplement dated as of the Cut-off Date, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and the trustee named in the applicable Series Supplement (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell certain mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued under the Agreement in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 1 ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Termination Date: As defined in the Series Supplement. Accrual Certificates: As defined in the Series Supplement. Accrued Certificate Interest: With respect to each Distribution Date, as to any Class or Subclass of Certificates (other than any Principal Only Certificates), interest accrued during the related Interest Accrual Period at the related Pass-Through Rate on the Certificate Principal Balance or Notional Amount thereof immediately prior to such Distribution Date. Accrued Certificate Interest will be calculated on the basis of a 360-day year, consisting of twelve 30-day months. In each case Accrued Certificate Interest on any Class or Subclass of Certificates will be reduced by the amount of: (i) Prepayment Interest Shortfalls on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (to the extent not offset by the Master Servicer with a payment of Compensating Interest as provided in Section 4.01), (ii) the interest portion (adjusted to the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) of Realized Losses on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (including Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses) not allocated solely to one or more specific Classes of Certificates pursuant to Section 4.05, (iii) the interest portion of Advances that were (A) previously made with respect to a Mortgage Loan or REO Property on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group, which remained unreimbursed following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property and (B) made with respect to delinquencies that were ultimately determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, and (iv) any other interest shortfalls not covered by the subordination provided by the Class M Certificates and Class B Certificates, including interest that is not collectible from the Mortgagor pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940, as amended, or similar legislation or regulations as in effect from time to time, 2 with all such reductions allocated (A) among all of the Certificates in proportion to their respective amounts of Accrued Certificate Interest payable on such Distribution Date absent such reductions or (B) if the Mortgage Pool is comprised of two or more Loan Groups, the related Senior Percentage of such reductions among the related Senior Certificates in proportion to the amounts of Accrued Certificate Interest payable from the related Loan Group on such Distribution Date absent such reductions, with the remainder of such reductions allocated among the holders of the Class M Certificates and Class B Certificates in proportion to their respective amounts of Accrued Certificate Interest payable on such Distribution Date absent such reductions. In addition to that portion of the reductions described in the preceding sentence that are allocated to any Class of Class B Certificates or any Class of Class M Certificates, Accrued Certificate Interest on such Class of Class B Certificates or such Class of Class M Certificates will be reduced by the interest portion (adjusted to the Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of Class B Certificates or such Class of Class M Certificates pursuant to Section 4.05. Addendum and Assignment Agreement: The Addendum and Assignment Agreement, dated as of January 31, 1995, between MLCC and the Master Servicer. Additional Collateral: Any of the following held, in addition to the related Mortgaged Property, as security for a Mortgage Loan: (i) all money, securities, security entitlements, accounts, general intangibles, payment rights, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description now existing or hereafter acquired which is pledged as security for the repayment of such Mortgage Loan, (ii) third-party guarantees, and (A) all money, securities, security entitlements, accounts, general intangibles, payment rights, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description now existing or hereafter acquired which is pledged as collateral for such guarantee or (B) any mortgaged property securing the performance of such guarantee, or (iii) such other collateral as may be set forth in the Series Supplement. Additional Collateral Loan: Each Mortgage Loan that is supported by Additional Collateral. Adjusted Mortgage Rate: With respect to any Mortgage Loan and any date of determination, the Mortgage Rate borne by the related Mortgage Note, less the rate at which the related Subservicing Fee accrues. Advance: As to any Mortgage Loan, any advance made by the Master Servicer, pursuant to Section 4.04. Affiliate: With respect to any Person, any other Person controlling, controlled by or under common control with such first Person. For the purposes of this definition, "control" means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms "controlling" and "controlled" have meanings correlative to the foregoing. 3 Ambac: Ambac Assurance Corporation (formerly known as AMBAC Indemnity Corporation). Amount Held for Future Distribution: As to any Distribution Date and, with respect to any Mortgage Pool that is comprised of two or more Loan Groups, each Loan Group, the total of the amounts held in the Custodial Account at the close of business on the preceding Determination Date on account of (i) Liquidation Proceeds, Subsequent Recoveries, Insurance Proceeds, Curtailments, Mortgage Loan purchases made pursuant to Section 2.02, 2.03, 2.04 or 4.07 and Mortgage Loan substitutions made pursuant to Section 2.03 or 2.04 received or made in the month of such Distribution Date (other than such Liquidation Proceeds, Insurance Proceeds and purchases of Mortgage Loans that the Master Servicer has deemed to have been received in the preceding month in accordance with Section 3.07(b)), and Principal Prepayments in Full made after the related Prepayment Period, and (ii) payments which represent early receipt of scheduled payments of principal and interest due on a date or dates subsequent to the related Due Date. Appraised Value: As to any Mortgaged Property, the lesser of (i) the appraised value of such Mortgaged Property based upon the appraisal made at the time of the origination of the related Mortgage Loan, and (ii) the sales price of the Mortgaged Property at such time of origination, except in the case of a Mortgaged Property securing a refinanced or modified Mortgage Loan as to which it is either the appraised value determined above or the appraised value determined in an appraisal at the time of refinancing or modification, as the case may be. Assigned Contracts: With respect to any Pledged Asset Loan: the Credit Support Pledge Agreement; the Funding and Pledge Agreement, among GMAC Mortgage Corporation, National Financial Services Corporation and the Mortgagor or other person pledging the related Pledged Assets; the Additional Collateral Agreement, between GMAC Mortgage Corporation and the Mortgagor or other person pledging the related Pledged Assets; or such other contracts as may be set forth in the Series Supplement. Assignment: An assignment of the Mortgage, notice of transfer or equivalent instrument, in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect of record the sale of the Mortgage Loan to the Trustee for the benefit of Certificateholders, which assignment, notice of transfer or equivalent instrument may be in the form of one or more blanket assignments covering Mortgages secured by Mortgaged Properties located in the same county, if permitted by law and accompanied by an Opinion of Counsel to that effect. Assignment Agreement: The Assignment and Assumption Agreement, dated the Closing Date, between Residential Funding and the Company relating to the transfer and assignment of the Mortgage Loans. Assignment of Proprietary Lease: With respect to a Cooperative Loan, the assignment of the related Cooperative Lease from the Mortgagor to the originator of the Cooperative Loan. Available Distribution Amount: As to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage 4 Loans on deposit in the Custodial Account as of the close of business on the immediately preceding Determination Date, including any Subsequent Recoveries, and amounts deposited in the Custodial Account in connection with the substitution of Qualified Substitute Mortgage Loans, (ii) the amount of any Advance made on the immediately preceding Certificate Account Deposit Date, (iii) any amount deposited in the Certificate Account on the related Certificate Account Deposit Date pursuant to the second paragraph of Section 3.12(a), (iv) any amount deposited in the Certificate Account pursuant to Section 4.07, (v) any amount that the Master Servicer is not permitted to withdraw from the Custodial Account or the Certificate Account pursuant to Section 3.16(e), (vi) any amount received by the Trustee pursuant to the Surety Bond in respect of such Distribution Date and (vii) the proceeds of any Pledged Assets received by the Master Servicer, reduced by (b) the sum as of the close of business on the immediately preceding Determination Date of (w) aggregate Foreclosure Profits, (x) the Amount Held for Future Distribution, and (y) amounts permitted to be withdrawn by the Master Servicer from the Custodial Account in respect of the Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such amount shall be determined separately for each Loan Group. Additionally, with respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on any Distribution Date Compensating Interest provided pursuant to this Section 3.16(e) is less than Prepayment Interest Shortfalls incurred on the Mortgage Loans in connection with Principal Prepayments in Full and Curtailments made in the prior calendar month, such Compensating Interest shall be allocated on such Distribution Date to the Available Distribution Amount for each Loan Group on a pro rata basis in accordance with the respective amounts of such Prepayment Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect of such Distribution Date. 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 neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Bankruptcy Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. Book-Entry Certificate: Any Certificate registered in the name of the Depository or its nominee, and designated as such in the Preliminary Statement to the Series Supplement. 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, the State of Michigan, the State of California or the State of Illinois (and such other state or states in which the Custodial Account or the Certificate Account are at the time located) are required or authorized by law or executive order to be closed. 5 Buydown Funds: Any amount contributed by the seller of a Mortgaged Property, the Company or other source in order to enable the Mortgagor to reduce the payments required to be made from the Mortgagor's funds in the early years of a Mortgage Loan. Buydown Funds are not part of the Trust Fund prior to deposit into the Custodial or Certificate Account. Buydown Mortgage Loan: Any Mortgage Loan as to which a specified amount of interest is paid out of related Buydown Funds in accordance with a related buydown agreement. Capitalization Reimbursement Amount: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group, during the prior calendar month and reimbursed to the Master Servicer or Subservicer on or prior to such Distribution Date pursuant to Section 3.10(a)(vii), plus the Capitalization Reimbursement Shortfall Amount remaining unreimbursed from any prior Distribution Date and reimbursed to the Master Servicer or Subservicer on or prior to such Distribution Date. Capitalization Reimbursement Shortfall Amount: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the amount, if any, by which the amount of Advances or Servicing Advances that were added to the Stated Principal Balance of all Mortgage Loans (or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group) during the preceding calendar month exceeds the amount of principal payments on the Mortgage Loans included in the Available Distribution Amount (or, if the Mortgage Pool is comprised of two or more Loan Groups, Available Distribution Amount for the related Loan Group) for that Distribution Date. Cash Liquidation: As to any defaulted Mortgage Loan other than a Mortgage Loan as to which an REO Acquisition occurred, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds and other payments or cash recoveries which the Master Servicer reasonably and in good faith expects to be finally recoverable with respect to such Mortgage Loan. Certificate Account Deposit Date: As to any Distribution Date, the Business Day prior thereto. Certificateholder or Holder: The Person in whose name a Certificate is registered in the Certificate Register, and, in respect of any Insured Certificates, the Certificate Insurer to the extent of Cumulative Insurance Payments, except that neither a Disqualified Organization nor a Non-United States Person shall be a holder of a Class R Certificate for purposes hereof and, solely for the purpose of giving any consent or direction pursuant to this Agreement, any Certificate, other than a Class R Certificate, registered in the name of the Company, the Master Servicer or any Subservicer or any Affiliate thereof shall be deemed not to be outstanding and the Percentage Interest or Voting Rights evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests or Voting Rights necessary to effect any such consent or direction has been obtained. All references herein to "Holders" or "Certificateholders" shall reflect the rights of Certificate 6 Owners as they may indirectly exercise such rights through the Depository and participating members thereof, except as otherwise specified herein; provided, however, that the Trustee shall be required to recognize as a "Holder" or "Certificateholder" only the Person in whose name a Certificate is registered in the Certificate Register. Certificate Insurer: As defined in the Series Supplement. Certificate Owner: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of such Certificate, as reflected on the books of an indirect participating brokerage firm for which a Depository Participant acts as agent, if any, and otherwise on the books of a Depository Participant, if any, and otherwise on the books of the Depository. Certificate Principal Balance: With respect to each Certificate (other than any Interest Only Certificate), on any date of determination, an amount equal to: (i) the Initial Certificate Principal Balance of such Certificate as specified on the face thereof, plus (ii) any Subsequent Recoveries added to the Certificate Principal Balance of such Certificate pursuant to Section 4.02, plus (iii) in the case of each Accrual Certificate, an amount equal to the aggregate Accrued Certificate Interest added to the Certificate Principal Balance thereof prior to such date of determination, minus (iv) the sum of (x) the aggregate of all amounts previously distributed with respect to such Certificate (or any predecessor Certificate) and applied to reduce the Certificate Principal Balance thereof pursuant to Section 4.02(a) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses which were previously allocated to such Certificate (or any predecessor Certificate) pursuant to Section 4.05; provided, that the Certificate Principal Balance of each Certificate of the Class of Subordinate Certificates with the Lowest Priority at any given time shall be further reduced by an amount equal to the Percentage Interest represented by such Certificate multiplied by the excess, if any, of (A) the then aggregate Certificate Principal Balance of all Classes of Certificates then outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage Loans. Certificate Register and Certificate Registrar: The register maintained and the registrar appointed pursuant to Section 5.02. Class: Collectively, all of the Certificates bearing the same designation. The initial Class A-V Certificates and any Subclass thereof issued pursuant to Section 5.01(c) shall be a single Class for purposes of this Agreement. Class A-P Certificate: Any one of the Certificates designated as a Class A-P Certificate. 7 Class A-P Collection Shortfall: With respect to the Cash Liquidation or REO Disposition of a Discount Mortgage Loan, any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, the excess of the amount described in clause (C)(1) of the definition of Class A-P Principal Distribution Amount (for the related Loan Group, if applicable) over the amount described in clause (C)(2) of such definition. Class A-P Principal Distribution Amount: With respect to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, an amount equal to the aggregate of: (A) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Discount Mortgage Loan in the related Loan Group) due during the related Due Period, whether or not received on or prior to the related Determination Date, minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (B) the related Discount Fraction of the principal portion of all unscheduled collections on each Discount Mortgage Loan (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Discount Mortgage Loan in the related Loan Group) received during the preceding calendar month or, in the case of Principal Prepayments in Full, during the related Prepayment Period (other than amounts received in connection with a Cash Liquidation or REO Disposition of a Discount Mortgage Loan described in clause (C) below), including Principal Prepayments in Full, Curtailments, Subsequent Recoveries and repurchases (including deemed repurchases under Section 3.07(b)) of such Discount Mortgage Loans (or, in the case of a substitution of a Deleted Mortgage Loan, the Discount Fraction of the amount of any shortfall deposited in the Custodial Account in connection with such substitution); (C) in connection with the Cash Liquidation or REO Disposition of a Discount Mortgage Loan (or, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Discount Mortgage Loan in the related Loan Group) that occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b)) that did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (1) the applicable Discount Fraction of the Stated Principal Balance of such Discount Mortgage Loan immediately prior to such Distribution Date and (2) the aggregate amount of the collections on such Mortgage Loan to the extent applied as recoveries of principal; (D) any amounts allocable to principal for any previous Distribution Date (calculated pursuant to clauses (A) through (C) above) that remain undistributed; and (E) the amount of any Class A-P Collection Shortfalls for such Distribution Date and the related Loan Group, if applicable, and the amount of any Class A-P Collection Shortfalls (for the related Loan 8 Group, if applicable) remaining unpaid for all previous Distribution Dates, but only to the extent of the Eligible Funds for such Distribution Date; minus (F) the related Discount Fraction of the portion of the Capitalization Reimbursement Amount (for the related Loan Group, if applicable) for such Distribution Date, if any, related to each Discount Mortgage Loan (in the related Loan Group, if applicable). Notwithstanding the foregoing, with respect to any Distribution Date on and after the Credit Support Depletion Date, the Class A-P Principal Distribution Amount (for a Loan Group, if applicable) shall equal the excess of (i) the sum of (a) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan (in the related Loan Group, if applicable) received or advanced prior to the related Determination Date and not previously distributed minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount and (b) the related Discount Fraction of the aggregate amount of unscheduled collections described in clauses (B) and (C) above over (ii) the amount calculated pursuant to clause (F) above. Class A-V Certificate: Any one of the Certificates designated as a Class A-V Certificate, including any Subclass thereof. Class B Certificate: Any one of the Certificates designated as a Class B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate. Class M Certificate: Any one of the Certificates designated as a Class M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate. Closing Date: As defined in the Series Supplement. Code: The Internal Revenue Code of 1986. Combined Collateral LLC: Combined Collateral LLC, a Delaware limited liability company. Commission: The Securities and Exchange Commission. Compensating Interest: With respect to any Distribution Date, an amount equal to Prepayment Interest Shortfalls resulting from Principal Prepayments in Full during the related Prepayment Period and Curtailments during the prior calendar month and included in the Available Distribution Amount for such Distribution Date, but not more than the lesser of (a) one-twelfth of 0.125% of the Stated Principal Balance of the Mortgage Loans immediately preceding such Distribution Date and (b) the sum of the Servicing Fee and all income and gain on amounts held in the Custodial Account and the Certificate Account and payable to the Certificateholders with respect to such Distribution Date; provided that for purposes of this definition the amount of the Servicing Fee will not be reduced pursuant to Section 7.02(a) except as may be required pursuant to the last sentence of such Section. 9 Compliance With Laws Representation: The following representation and warranty (or any representation and warranty that is substantially similar) made by Residential Funding in Section 4 of Assignment Agreement: "Each Mortgage Loan at the time it was made complied in all material respects with applicable local, state, and federal laws, including, but not limited to, all applicable anti-predatory lending laws". Cooperative: A private, cooperative housing corporation which owns or leases land and all or part of a building or buildings, including apartments, spaces used for commercial purposes and common areas therein and whose board of directors authorizes, among other things, the sale of Cooperative Stock. Cooperative Apartment: A dwelling unit in a multi-dwelling building owned or leased by a Cooperative, which unit the Mortgagor has an exclusive right to occupy pursuant to the terms of a proprietary lease or occupancy agreement. Cooperative Lease: With respect to a Cooperative Loan, the proprietary lease or occupancy agreement with respect to the Cooperative Apartment occupied by the Mortgagor and relating to the related Cooperative Stock, which lease or agreement confers an exclusive right to the holder of such Cooperative Stock to occupy such apartment. Cooperative Loans: Any of the Mortgage Loans made in respect of a Cooperative Apartment, evidenced by a Mortgage Note and secured by (i) a Security Agreement, (ii) the related Cooperative Stock Certificate, (iii) an assignment of the Cooperative Lease, (iv) financing statements and (v) a stock power (or other similar instrument), and ancillary thereto, a recognition agreement between the Cooperative and the originator of the Cooperative Loan, each of which was transferred and assigned to the Trustee pursuant to Section 2.01 and are from time to time held as part of the Trust Fund. Cooperative Stock: With respect to a Cooperative Loan, the single outstanding class of stock, partnership interest or other ownership instrument in the related Cooperative. Cooperative Stock Certificate: With respect to a Cooperative Loan, the stock certificate or other instrument evidencing the related Cooperative Stock. Credit Repository: Equifax, Transunion and Experian, or their successors in interest. Credit Support Depletion Date: The first Distribution Date on which the Certificate Principal Balances of the Subordinate Certificates have been reduced to zero. Credit Support Pledge Agreement: The Credit Support Pledge Agreement, dated as of November 24, 1998, among the Master Servicer, GMAC Mortgage Corporation, Combined Collateral LLC and The First National Bank of Chicago (now known as Bank One, National Association), as custodian. Cumulative Insurance Payments: As defined in the Series Supplement. Curtailment: Any Principal Prepayment made by a Mortgagor which is not a Principal Prepayment in Full. 10 Custodial Account: The custodial account or accounts created and maintained pursuant to Section 3.07 in the name of a depository institution, as custodian for the holders of the Certificates, for the holders of certain other interests in mortgage loans serviced or sold by the Master Servicer and for the Master Servicer, into which the amounts set forth in Section 3.07 shall be deposited directly. Any such account or accounts shall be an Eligible Account. Custodial Agreement: An agreement that may be entered into among the Company, the Master Servicer, the Trustee and a Custodian pursuant to which the Custodian will hold certain documents relating to the Mortgage Loans on behalf of the Trustee. Custodian: A custodian appointed pursuant to a Custodial Agreement. Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid principal balance thereof at the Cut-off Date after giving effect to all installments of principal due on or prior thereto (or due during the month of the Cut-off Date), whether or not received. Debt Service Reduction: With respect to any Mortgage Loan, a reduction in the scheduled Monthly Payment for such Mortgage Loan by a court of competent jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction constituting a Deficient Valuation or any reduction that results in a permanent forgiveness of principal. Deficient Valuation: With respect to any Mortgage Loan, a valuation by a court of competent jurisdiction of the Mortgaged Property in an amount less than the then outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any scheduled Monthly Payment that constitutes a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code. Definitive Certificate: Any Certificate other than a Book-Entry Certificate. Deleted Mortgage Loan: A Mortgage Loan replaced or to be replaced with a Qualified Substitute Mortgage Loan. Delinquent: As used herein, a Mortgage Loan is considered to be: "30 to 59 days" or "30 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the last business day immediately prior to the next following monthly scheduled due date; "60 to 89 days" or "60 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the last business day immediately prior to the second following monthly scheduled due date; and so on. The determination as to whether a Mortgage Loan falls into these categories is made as of the close of business on the last business day of each month. For example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of the close of business on July 31 would then be considered to be 30 to 59 days delinquent. Delinquency information as of the Cut-off Date is determined and prepared as of the close of business on the last business day immediately prior to the Cut-off Date. Depository: The Depository Trust Company, or any successor Depository hereafter named. The nominee of the initial Depository for purposes of registering those Certificates that are to be Book-Entry Certificates is Cede & Co. The Depository shall at all times be a "clearing corporation" as defined in 11 Section 8-102(a)(5) of the Uniform Commercial Code of the State of New York and a "clearing agency" registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934, as amended. Depository Participant: A broker, dealer, bank or other financial institution or other Person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository. Destroyed Mortgage Note: A Mortgage Note the original of which was permanently lost or destroyed and has not been replaced. Determination Date: As defined in the Series Supplement. Discount Fraction: With respect to each Discount Mortgage Loan, the fraction expressed as a percentage, the numerator of which is the Discount Net Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified pursuant to 3.07(a)) for such Mortgage Loan and the denominator of which is the Discount Net Mortgage Rate. The Discount Fraction with respect to each Discount Mortgage Loan is set forth as an exhibit attached to the Series Supplement. Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or the initial Net Mortgage Rate) of less than the Discount Net Mortgage Rate per annum and any Mortgage Loan deemed to be a Discount Mortgage Loan pursuant to the definition of Qualified Substitute Mortgage Loan. Discount Net Mortgage Rate: As defined in the Series Supplement. Disqualified Organization: Any organization defined as a "disqualified organization" under Section 860E(e)(5) of the Code, and if not otherwise included, any of the following: (i) the United States, any State or political subdivision thereof, any possession of the United States, or any agency or instrumentality of any of the foregoing (other than an instrumentality which is a corporation if all of its activities are subject to tax and, except for the Freddie Mac, a majority of its board of directors is not selected by such governmental unit), (ii) a foreign government, any international organization, or any agency or instrumentality of any of the foregoing, (iii) any organization (other than certain farmers' cooperatives described in Section 521 of the Code) which is exempt from the tax imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of the Code on unrelated business taxable income), (iv) rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code, (v) any "electing large partnership," as defined in Section 775(a) of the Code and (vi) any other Person so designated by the Trustee based upon an Opinion of Counsel that the holding of an Ownership Interest in a Class R Certificate by such Person may cause the Trust Fund or any Person having an Ownership Interest in any Class of Certificates (other than such Person) to incur a liability for any federal tax imposed under the Code that would not otherwise be imposed but for the Transfer of an Ownership Interest in a Class R Certificate to such Person. The terms "United States", "State" and "international organization" shall have the meanings set forth in Section 7701 of the Code or successor provisions. 12 Distribution Date: The 25th day of any month beginning in the month immediately following the month of the initial issuance of the Certificates or, if such 25th day is not a Business Day, the Business Day immediately following such 25th day. Due Date: With respect to any Distribution Date and any Mortgage Loan, the day during the related Due Period on which the Monthly Payment is due. Due Period: With respect to any Distribution Date, the one-month period set forth in the Series Supplement. Eligible Account: An account that is any of the following: (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in its highest rating available, or (ii) an account or accounts in a depository institution in which such accounts are fully insured to the limits established by the FDIC, provided that any deposits not so insured shall, to the extent acceptable to each Rating Agency, as evidenced in writing, be maintained such that (as evidenced by an Opinion of Counsel delivered to the Trustee and each Rating Agency) the registered Holders of Certificates have a claim with respect to the funds in such account or a perfected first security interest against any collateral (which shall be limited to Permitted Investments) securing such funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained, or (iii) in the case of the Custodial Account, a trust account or accounts maintained in the corporate trust department of Bank One, National Association, or (iv) in the case of the Certificate Account, a trust account or accounts maintained in the corporate trust division of the Trustee, or (v) an account or accounts of a depository institution acceptable to each Rating Agency (as evidenced in writing by each Rating Agency that use of any such account as the Custodial Account or the Certificate Account will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency). Event of Default: As defined in Section 7.01. Excess Bankruptcy Loss: Any Bankruptcy Loss, or portion thereof, which exceeds the then applicable Bankruptcy Amount. Excess Fraud Loss: Any Fraud Loss, or portion thereof, which exceeds the then applicable Fraud Loss Amount. Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof, that exceeds the then applicable Special Hazard Amount. Excess Subordinate Principal Amount: With respect to any Distribution Date on which the aggregate Certificate Principal Balance of the Class of Subordinate Certificates then outstanding with the Lowest Priority is to be reduced to zero and on which Realized Losses are to be allocated to such class or classes, the excess, if any, of (i) the amount that would otherwise be distributable in respect of principal on such class or classes of Certificates on such Distribution Date over (ii) the excess, if any, of the aggregate Certificate Principal Balance of such class or classes of Certificates immediately prior to such Distribution Date over the aggregate amount of Realized Losses to be allocated to such classes of Certificates on such 13 Distribution Date as reduced by any amount calculated pursuant to Section 4.02(b)(i)(E). With respect to any Mortgage Pool that is comprised of two or more Loan Groups, the Excess Subordinate Principal Amount will be allocated between each Loan Group on a pro rata basis in accordance with the amount of Realized Losses attributable to each Loan Group and allocated to the Certificates on such Distribution Date. Exchange Act: The Securities and Exchange Act of 1934, as amended. Extraordinary Events: Any of the following conditions with respect to a Mortgaged Property (or, with respect to a Cooperative Loan, the Cooperative Apartment) or Mortgage Loan causing or resulting in a loss which causes the liquidation of such Mortgage Loan: (a) losses that are of the type that would be covered by the fidelity bond and the errors and omissions insurance policy required to be maintained pursuant to Section 3.12(b) but are in excess of the coverage maintained thereunder; (b) nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, and whether such loss be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to or aggravated by a peril covered by the definition of the term "Special Hazard Loss"; (c) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack: 1. by any government or sovereign power, de jure or de facto, or by any authority maintaining or using military, naval or air forces; or 2. by military, naval or air forces; or 3. by an agent of any such government, power, authority or forces; (d) any weapon of war employing atomic fission or radioactive force whether in time of peace or war; or (e) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority; or risks of contraband or illegal transportation or trade. Extraordinary Losses: Any loss incurred on a Mortgage Loan caused by or resulting from an Extraordinary Event. Fannie Mae: Federal National Mortgage Association, a federally chartered and privately owned corporation organized and existing under the Federal National Mortgage Association Charter Act, or any successor thereto. 14 FASIT: A "financial asset securitization investment trust" within the meaning of Section 860L of the Code. FDIC: Federal Deposit Insurance Corporation or any successor thereto. Final Distribution Date: The Distribution Date on which the final distribution in respect of the Certificates will be made pursuant to Section 9.01, which Final Distribution Date shall in no event be later than the end of the 90-day liquidation period described in Section 9.02. Fitch: Fitch Ratings or its successor in interest. Foreclosure Profits: As to any Distribution Date or related Determination Date and any Mortgage Loan, the excess, if any, of Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of all amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of each Mortgage Loan or REO Property for which a Cash Liquidation or REO Disposition occurred in the related Prepayment Period over the sum of the unpaid principal balance of such Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in accordance with Section 3.14) plus accrued and unpaid interest at the Mortgage Rate on such unpaid principal balance from the Due Date to which interest was last paid by the Mortgagor to the first day of the month following the month in which such Cash Liquidation or REO Disposition occurred. Form 10-K Certification: As defined in Section 4.03(e). Fraud Losses: Realized Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. Freddie Mac: Federal Home Loan Mortgage Corporation, a corporate instrumentality of the United States created and existing under Title III of the Emergency Home Finance Act of 1970, as amended, or any successor thereto. Highest Priority: As of any date of determination, the Class of Subordinate Certificates then outstanding with a Certificate Principal Balance greater than zero, with the earliest priority for payments pursuant to Section 4.02(a), in the following order: Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates. Independent: When used with respect to any specified Person, means such a Person who (i) is in fact independent of the Company, the Master Servicer and the Trustee, or any Affiliate thereof, (ii) does not have any direct financial interest or any material indirect financial interest in the Company, the Master Servicer or the Trustee or in an Affiliate thereof, and (iii) is not connected with the Company, the Master Servicer or the Trustee as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. Initial Certificate Principal Balance: With respect to each Class of Certificates, the Certificate Principal Balance of such Class of Certificates as of the Cut-off Date, as set forth in the Series Supplement. 15 Initial Monthly Payment Fund: An amount representing scheduled principal amortization and interest at the Net Mortgage Rate for the Due Date in the first Due Period commencing subsequent to the Cut-off Date for those Mortgage Loans for which the Trustee will not be entitled to receive such payment, and as more specifically defined in the Series Supplement. Initial Notional Amount: With respect to any Class or Subclass of Interest Only Certificates, the amount initially used as the principal basis for the calculation of any interest payment amount, as more specifically defined in the Series Supplement. Initial Subordinate Class Percentage: As defined in the Series Supplement. Insurance Proceeds: Proceeds paid in respect of the Mortgage Loans pursuant to any Primary Insurance Policy or any other related insurance policy covering a Mortgage Loan (excluding any Certificate Policy (as defined in the Series Supplement)), to the extent such proceeds are payable to the mortgagee under the Mortgage, any Subservicer, the Master Servicer or the Trustee and are not applied to the restoration of the related Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) or released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing mortgage loans held for its own account. Insurer: Any named insurer under any Primary Insurance Policy or any successor thereto or the named insurer in any replacement policy. Interest Accrual Period: As defined in the Series Supplement. Interest Only Certificates: A Class or Subclass of Certificates not entitled to payments of principal, and designated as such in the Series Supplement. The Interest Only Certificates will have no Certificate Principal Balance. Interim Certification: As defined in Section 2.02. International Borrower: In connection with any Mortgage Loan, a borrower who is (a) a United States citizen employed in a foreign country, (b) a non-permanent resident alien employed in the United States or (c) a citizen of a country other than the United States with income derived from sources outside the United States. Junior Certificateholder: The Holder of not less than 95% of the Percentage Interests of the Junior Class of Certificates. Junior Class of Certificates: The Class of Subordinate Certificates outstanding as of the date of the repurchase of a Mortgage Loan pursuant to Section 4.07 herein that has the Lowest Priority. Late Collections: With respect to any Mortgage Loan, all amounts received during any Due Period, whether as late payments of Monthly Payments or as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late payments or collections of Monthly Payments due but delinquent for a previous Due Period and not previously recovered. 16 Liquidation Proceeds: Amounts (other than Insurance Proceeds) received by the Master Servicer in connection with the taking of an entire Mortgaged Property by exercise of the power of eminent domain or condemnation or in connection with the liquidation of a defaulted Mortgage Loan through trustee's sale, foreclosure sale or otherwise, other than REO Proceeds. Loan Group: Any group of Mortgage Loans designated as a separate loan group in the Series Supplement. The Certificates relating to each Loan Group will be designated in the Series Supplement. Loan-to-Value Ratio: As of any date, the fraction, expressed as a percentage, the numerator of which is the current principal balance of the related Mortgage Loan at the date of determination and the denominator of which is the Appraised Value of the related Mortgaged Property. Lower Priority: As of any date of determination and any Class of Subordinate Certificates, any other Class of Subordinate Certificates then outstanding with a later priority for payments pursuant to Section 4.02 (a). Lowest Priority: As of any date of determination, the Class of Subordinate Certificates then outstanding with a Certificate Principal Balance greater than zero, with the latest priority for payments pursuant to Section 4.02(a), in the following order: Class B-3, Class B-2, Class B-1, Class M-3, Class M-2 and Class M-1 Certificates. Maturity Date: The latest possible maturity date, solely for purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, by which the Certificate Principal Balance of each Class of Certificates (other than the Interest Only Certificates which have no Certificate Principal Balance) and each Uncertificated REMIC Regular Interest would be reduced to zero, as designated in the Series Supplement. MERS: Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto. MERS(R) System: The system of recording transfers of Mortgages electronically maintained by MERS. MIN: The Mortgage Identification Number for Mortgage Loans registered with MERS on the MERS(R) System. MLCC: Merrill Lynch Credit Corporation, or its successor in interest. Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a Servicing Modification. Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject of a Servicing Modification, the Net Mortgage Rate minus the rate per annum by which the Mortgage Rate on such Mortgage Loan was reduced. 17 MOM Loan: With respect to any Mortgage Loan, MERS acting as the mortgagee of such Mortgage Loan, solely as nominee for the originator of such Mortgage Loan and its successors and assigns, at the origination thereof. Monthly Payment: With respect to any Mortgage Loan (including any REO Property) and any Due Date, the payment of principal and interest due thereon in accordance with the amortization schedule at the time applicable thereto (after adjustment, if any, for Curtailments and for Deficient Valuations occurring prior to such Due Date but before any adjustment to such amortization schedule by reason of any bankruptcy, other than a Deficient Valuation, or similar proceeding or any moratorium or similar waiver or grace period and before any Servicing Modification that constitutes a reduction of the interest rate on such Mortgage Loan). Moody's: Moody's Investors Service, Inc., or its successor in interest. Mortgage: With respect to each Mortgage Note related to a Mortgage Loan which is not a Cooperative Loan, the mortgage, deed of trust or other comparable instrument creating a first lien on an estate in fee simple or leasehold interest in real property securing a Mortgage Note. Mortgage File: The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement. Mortgage Loans: Such of the mortgage loans transferred and assigned to the Trustee pursuant to Section 2.01 as from time to time are held or deemed to be held as a part of the Trust Fund, the Mortgage Loans originally so held being identified in the initial Mortgage Loan Schedule, and Qualified Substitute Mortgage Loans held or deemed held as part of the Trust Fund including, without limitation, (i) with respect to each Cooperative Loan, the related Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock Certificate, Cooperative Lease and Mortgage File and all rights appertaining thereto, and (ii) with respect to each Mortgage Loan other than a Cooperative Loan, each related Mortgage Note, Mortgage and Mortgage File and all rights appertaining thereto. Mortgage Loan Schedule: As defined in the Series Supplement. Mortgage Note: The originally executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan, together with any modification thereto. Mortgage Pool: The pool of mortgage loans, including all Loan Groups, if any, consisting of the Mortgage Loans. Mortgage Rate: As to any Mortgage Loan, the interest rate borne by the related Mortgage Note, or any modification thereto other than a Servicing Modification. Mortgaged Property: The underlying real property securing a Mortgage Loan or, with respect to a Cooperative Loan, the related Cooperative Lease and Cooperative Stock. Mortgagor: The obligor on a Mortgage Note. 18 Net Mortgage Rate: As to each Mortgage Loan, a per annum rate of interest equal to the Adjusted Mortgage Rate less the per annum rate at which the Servicing Fee is calculated. Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage Loan. Non-Primary Residence Loans: The Mortgage Loans designated as secured by second or vacation residences, or by non-owner occupied residences, on the Mortgage Loan Schedule. Non-United States Person: Any Person other than a United States Person. Nonrecoverable Advance: Any Advance previously made or proposed to be made by the Master Servicer or Subservicer in respect of a Mortgage Loan (other than a Deleted Mortgage Loan) which, in the good faith judgment of the Master Servicer, will not, or, in the case of a proposed Advance, would not, be ultimately recoverable by the Master Servicer from related Late Collections, Insurance Proceeds, Liquidation Proceeds, REO Proceeds or amounts reimbursable to the Master Servicer pursuant to Section 4.02(a) hereof. To the extent that any Mortgagor is not obligated under the related Mortgage documents to pay or reimburse any portion of any Servicing Advances that are outstanding with respect to the related Mortgage Loan as a result of a modification of such Mortgage Loan by the Master Servicer, which forgives amounts which the Master Servicer or Subservicer had previously advanced, and the Master Servicer determines that no other source of payment or reimbursement for such advances is available to it, such Servicing Advances shall be deemed to be Nonrecoverable Advances. The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance would constitute a Nonrecoverable Advance, shall be evidenced by an Officers' Certificate delivered to the Company, the Trustee and any Certificate Insurer. Nonsubserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is not subject to a Subservicing Agreement. Notional Amount: With respect to any Class or Subclass of Interest Only Certificates, an amount used as the principal basis for the calculation of any interest payment amount, as more specifically defined in the Series Supplement. Officers' Certificate: A certificate signed by the Chairman of the Board, the President or a Vice President or Assistant Vice President, or a Director or Managing Director, and by the Treasurer, the Secretary, or one of the Assistant Treasurers or Assistant Secretaries of the Company or the Master Servicer, as the case may be, and delivered to the Trustee, as required by this Agreement. Opinion of Counsel: A written opinion of counsel acceptable to the Trustee and the Master Servicer, who may be counsel for the Company or the Master Servicer, provided that any opinion of counsel (i) referred to in the definition of "Disqualified Organization" or (ii) relating to the qualification of any REMIC formed under the Series Supplement or compliance with the REMIC Provisions must, unless otherwise specified, be an opinion of Independent counsel. Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan (including an REO Property) which was not the subject of a Principal Prepayment 19 in Full, Cash Liquidation or REO Disposition and which was not purchased, deleted or substituted for prior to such Due Date pursuant to Section 2.02, 2.03, 2.04 or 4.07. Ownership Interest: As to any Certificate, any ownership or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee. Pass-Through Rate: As defined in the Series Supplement. Paying Agent: The Trustee or any successor Paying Agent appointed by the Trustee. Percentage Interest: With respect to any Certificate (other than a Class R Certificate), the undivided percentage ownership interest in the related Class evidenced by such Certificate, which percentage ownership interest shall be equal to the Initial Certificate Principal Balance thereof or Initial Notional Amount (in the case of any Interest Only Certificate) thereof divided by the aggregate Initial Certificate Principal Balance or the aggregate of the Initial Notional Amounts, as applicable, of all the Certificates of the same Class. With respect to a Class R Certificate, the interest in distributions to be made with respect to such Class evidenced thereby, expressed as a percentage, as stated on the face of each such Certificate. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to principal and interest by the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States; (ii) repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof, provided that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating available; (iii)federal funds, certificates of deposit, demand deposits, time deposits and bankers' acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers' acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof or of any domestic branch of a foreign depository institution or trust company; provided that the debt obligations of such depository institution or trust company (or, if the only Rating Agency is Standard & Poor's, in the case of the principal depository institution in a depository institution holding company, debt obligations of the depository institution holding company) at the date of acquisition thereof have been rated by each Rating Agency in its highest short-term rating available; and provided further that, if the only Rating Agency is Standard & Poor's and if the depository or trust company is a principal subsidiary of a bank holding company and the debt obligations of such subsidiary are not separately rated, the applicable rating shall be that of the bank holding company; and, provided further that, if the original maturity of such short-term obligations of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the 20 short-term rating of such institution shall be A-1+ in the case of Standard & Poor's if Standard & Poor's is the Rating Agency; (iv) commercial paper and demand notes (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has been rated by each Rating Agency in its highest short-term rating available; provided that such commercial paper shall have a remaining maturity of not more than 30 days; (v) a money market fund or a qualified investment fund rated by each Rating Agency in its highest long-term rating available; and (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency, as evidenced in writing; provided, however, no instrument shall be a Permitted Investment if it represents, either (1) the right to receive only interest payments with respect to the underlying debt instrument or (2) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations. References herein to the highest rating available on unsecured long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa in the case of Moody's, and references herein to the highest rating available on unsecured commercial paper and short-term debt obligations shall mean A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard & Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch. Permitted Transferee: Any Transferee of a Class R Certificate, other than a Disqualified Organization or Non-United States Person. Person: Any individual, corporation, limited liability company, partnership, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Pledged Amount: With respect to any Pledged Asset Loan, the amount of money remitted to Combined Collateral LLC, at the direction of or for the benefit of the related Mortgagor. Pledged Asset Loan: Any Mortgage Loan supported by Pledged Assets or such other collateral, other than the related Mortgaged Property, set forth in the Series Supplement. Pledged Assets: With respect to any Mortgage Loan, all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description pledged by Combined Collateral LLC as security in respect of any Realized Losses in connection with such Mortgage Loan up to the 21 Pledged Amount for such Mortgage Loan, and any related collateral, or such other collateral as may be set forth in the Series Supplement. Pledged Asset Mortgage Servicing Agreement: The Pledged Asset Mortgage Servicing Agreement, dated as of February 28, 1996 between MLCC and the Master Servicer. Pooling and Servicing Agreement or Agreement: With respect to any Series, this Standard Terms together with the related Series Supplement. Pool Stated Principal Balance: As to any Distribution Date, the aggregate of the Stated Principal Balances of each Mortgage Loan. Pool Strip Rate: With respect to each Mortgage Loan, a per annum rate equal to the excess of (a) the Net Mortgage Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate (but not less than 0.00%) per annum. Prepayment Distribution Trigger: With respect to any Distribution Date and any Class of Subordinate Certificates (other than the Class M-1 Certificates), a test that shall be satisfied if the fraction (expressed as a percentage) equal to the sum of the Certificate Principal Balances of such Class and each Class of Subordinate Certificates with a Lower Priority than such Class immediately prior to such Distribution Date divided by the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) immediately prior to such Distribution Date is greater than or equal to the sum of the related Initial Subordinate Class Percentages of such Classes of Subordinate Certificates. Prepayment Interest Shortfall: As to any Distribution Date and any Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was the subject of (a) a Principal Prepayment in Full during the portion of the related Prepayment Period that falls during the prior calendar month, an amount equal to the excess of one month's interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the Stated Principal Balance of such Mortgage Loan over the amount of interest (adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) paid by the Mortgagor for such month to the date of such Principal Prepayment in Full or (b) a Curtailment during the prior calendar month, an amount equal to one month's interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount of such Curtailment. Prepayment Period: As to any Distribution Date and Principal Prepayment in Full, the period commencing on the 16th day of the month prior to the month in which that Distribution Date occurs and ending on the 15th day of the month in which such Distribution Date occurs. Primary Insurance Policy: Each primary policy of mortgage guaranty insurance or any replacement policy therefor referred to in Section 2.03(b)(iv) and (v). Principal Only Certificates: A Class of Certificates not entitled to payments of interest, and more specifically designated as such in the Series Supplement. 22 Principal Prepayment: Any payment of principal or other recovery on a Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds or Insurance Proceeds, which is received in advance of its scheduled Due Date and is not accompanied by an amount as to interest representing scheduled interest on such payment due on any date or dates in any month or months subsequent to the month of prepayment. Principal Prepayment in Full: Any Principal Prepayment of the entire principal balance of a Mortgage Loan that is made by the Mortgagor. Program Guide: Collectively, the Client Guide and the Servicer Guide for Residential Funding's Expanded Criteria Mortgage Program. Purchase Price: With respect to any Mortgage Loan (or REO Property) required to be or otherwise purchased on any date pursuant to Section 2.02, 2.03, 2.04 or 4.07, an amount equal to the sum of (i) 100% of the Stated Principal Balance thereof plus the principal portion of any related unreimbursed Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) in the case of a purchase made by the Master Servicer) on the Stated Principal Balance thereof to the Due Date in the Due Period related to the Distribution Date occurring in the month following the month of purchase from the Due Date to which interest was last paid by the Mortgagor. Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by Residential Funding or the Company for a Deleted Mortgage Loan which must, on the date of such substitution, as confirmed in an Officers' Certificate delivered to the Trustee, with a copy to the Custodian, (i) have an outstanding principal balance, after deduction of the principal portion of the monthly payment due in the month of substitution (or in the case of a substitution of more than one Mortgage Loan for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after such deduction), not in excess of the Stated Principal Balance of the Deleted Mortgage Loan (the amount of any shortfall to be deposited by Residential Funding in the Custodial Account in the month of substitution); (ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per annum higher than the Mortgage Rate and Net Mortgage Rate, respectively, of the Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value Ratio at the time of substitution no higher than that of the Deleted Mortgage Loan at the time of substitution; (iv) have a remaining term to stated maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan; (v) comply with each representation and warranty set forth in Sections 2.03 and 2.04 hereof and Section 4 of the Assignment Agreement; and 23 (vi) have a Pool Strip Rate equal to or greater than that of the Deleted Mortgage Loan. Notwithstanding any other provisions herein, (x) with respect to any Qualified Substitute Mortgage Loan substituted for a Deleted Mortgage Loan which was a Discount Mortgage Loan, such Qualified Substitute Mortgage Loan shall be deemed to be a Discount Mortgage Loan and to have a Discount Fraction equal to the Discount Fraction of the Deleted Mortgage Loan and (y) in the event that the "Pool Strip Rate" of any Qualified Substitute Mortgage Loan as calculated pursuant to the definition of "Pool Strip Rate" is greater than the Pool Strip Rate of the related Deleted Mortgage Loan (i) the Pool Strip Rate of such Qualified Substitute Mortgage Loan shall be equal to the Pool Strip Rate of the related Deleted Mortgage Loan for purposes of calculating the Pass-Through Rate on the Class A-V Certificates and (ii) the excess of the Pool Strip Rate on such Qualified Substitute Mortgage Loan as calculated pursuant to the definition of "Pool Strip Rate" over the Pool Strip Rate on the related Deleted Mortgage Loan shall be payable to the Class R Certificates pursuant to Section 4.02 hereof. Rating Agency: Each of the statistical credit rating agencies specified in the Preliminary Statement of the Series Supplement. If any agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Company, notice of which designation shall be given to the Trustee and the Master Servicer. Realized Loss: With respect to each Mortgage Loan (or REO Property): (a) as to which a Cash Liquidation or REO Disposition has occurred, an amount (not less than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan (or REO Property) as of the date of Cash Liquidation or REO Disposition, plus (ii) interest (and REO Imputed Interest, if any) at the Net Mortgage Rate from the Due Date as to which interest was last paid or advanced to Certificateholders up to the Due Date in the Due Period related to the Distribution Date on which such Realized Loss will be allocated pursuant to Section 4.05 on the Stated Principal Balance of such Mortgage Loan (or REO Property) outstanding during each Due Period that such interest was not paid or advanced, minus (iii) the proceeds, if any, received during the month in which such Cash Liquidation (or REO Disposition) occurred, to the extent applied as recoveries of interest at the Net Mortgage Rate and to principal of the Mortgage Loan, net of the portion thereof reimbursable to the Master Servicer or any Subservicer with respect to related Advances, Servicing Advances or other expenses as to which the Master Servicer or Subservicer is entitled to reimbursement thereunder but which have not been previously reimbursed, (b) which is the subject of a Servicing Modification, (i) (1) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced or (2) the sum of any other amounts owing under the Mortgage Loan that were forgiven and that constitute Servicing Advances that are reimbursable to the Master 24 Servicer or a Subservicer, and (ii) any such amount with respect to a Monthly Payment that was or would have been due in the month immediately following the month in which a Principal Prepayment or the Purchase Price of such Mortgage Loan is received or is deemed to have been received, (c) which has become the subject of a Deficient Valuation, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation, or (d) which has become the object of a Debt Service Reduction, the amount of such Debt Service Reduction. Notwithstanding the above, neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Realized Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. To the extent the Master Servicer receives Subsequent Recoveries with respect to any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage Loan will be reduced to the extent such recoveries are applied to reduce the Certificate Principal Balance of any Class of Certificates on any Distribution Date. Record Date: With respect to each Distribution Date, the close of business on the last Business Day of the month next preceding the month in which the related Distribution Date occurs. Regular Certificate: Any of the Certificates other than a Class R Certificate. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. REMIC Administrator: Residential Funding Corporation. If Residential Funding Corporation is found by a court of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under this Agreement the Master Servicer or Trustee acting as Master Servicer shall appoint a successor REMIC Administrator, subject to assumption of the REMIC Administrator obligations under this Agreement. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Sections 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and temporary and final regulations (or, to the extent not inconsistent with such 25 temporary or final regulations, proposed regulations) and published rulings, notices and announcements promulgated thereunder, as the foregoing may be in effect from time to time. REO Acquisition: The acquisition by the Master Servicer on behalf of the Trustee for the benefit of the Certificateholders of any REO Property pursuant to Section 3.14. REO Disposition: As to any REO Property, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds, REO Proceeds and other payments and recoveries (including proceeds of a final sale) which the Master Servicer expects to be finally recoverable from the sale or other disposition of the REO Property. REO Imputed Interest: As to any REO Property, for any period, an amount equivalent to interest (at the Net Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of acquisition thereof for such period. REO Proceeds: Proceeds, net of expenses, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property or, with respect to a Cooperative Loan, the related Cooperative Apartment) which proceeds are required to be deposited into the Custodial Account only upon the related REO Disposition. REO Property: A Mortgaged Property acquired by the Master Servicer through foreclosure or deed in lieu of foreclosure in connection with a defaulted Mortgage Loan. Reportable Modified Mortgage Loan: Any Mortgage Loan that (i) has been subject to an interest rate reduction, (ii) has been subject to a term extension or (iii) has had amounts owing on such Mortgage Loan capitalized by adding such amount to the Stated Principal Balance of such Mortgage Loan; provided, however, that a Mortgage Loan modified in accordance with clause (i) above for a temporary period shall not be a Reportable Modified Mortgage Loan if such Mortgage Loan has not been delinquent in payments of principal and interest for six months since the date of such modification if that interest rate reduction is not made permanent thereafter. Request for Release: A request for release, the forms of which are attached as Exhibit F hereto, or an electronic request in a form acceptable to the Custodian. Required Insurance Policy: With respect to any Mortgage Loan, any insurance policy which is required to be maintained from time to time under this Agreement, the Program Guide or the related Subservicing Agreement in respect of such Mortgage Loan. Required Surety Payment: With respect to any Additional Collateral Loan that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion of the Realized Loss with respect to such Mortgage Loan and (ii) the excess, if any, of (a) the amount of Additional Collateral required at origination with respect to such Mortgage Loan over (b) the net proceeds realized by the Subservicer from the related Additional Collateral. 26 Residential Funding: Residential Funding Corporation, a Delaware corporation, in its capacity as seller of the Mortgage Loans to the Company and any successor thereto. Responsible Officer: When used with respect to the Trustee, any officer of the Corporate Trust Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer with particular responsibility for this transaction, or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers to whom, with respect to a particular matter, such matter is referred. Retail Certificates: A Senior Certificate, if any, offered in smaller minimum denominations than other Senior Certificates, and designated as such in the Series Supplement. Schedule of Discount Fractions: The schedule setting forth the Discount Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to the Series Supplement. Security Agreement: With respect to a Cooperative Loan, the agreement creating a security interest in favor of the originator in the related Cooperative Stock. Seller: As to any Mortgage Loan, a Person, including any Subservicer, that executed a Seller's Agreement applicable to such Mortgage Loan. Seller's Agreement: An agreement for the origination and sale of Mortgage Loans generally in the form of the Seller Contract referred to or contained in the Program Guide, or in such other form as has been approved by the Master Servicer and the Company, each containing representations and warranties in respect of one or more Mortgage Loans consistent in all material respects with those set forth in the Program Guide. Senior Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%. With respect to any Distribution Date thereafter and any such Loan Group, if applicable, as follows: (i) for any Distribution Date after the 60th Distribution Date but on or prior to the 72nd Distribution Date, the related Senior Percentage for such Distribution Date plus 70% of the related Subordinate Percentage for such Distribution Date; (ii) for any Distribution Date after the 72nd Distribution Date but on or prior to the 84th Distribution Date, the related Senior Percentage for such Distribution Date plus 60% of the related Subordinate Percentage for such Distribution Date; (iii) for any Distribution Date after the 84th Distribution Date but on or prior to the 96th Distribution Date, the related Senior Percentage for such Distribution Date plus 40% of the related Subordinate Percentage for such Distribution Date; (iv) for any Distribution Date after the 96th Distribution Date but on or prior to the 108th Distribution Date, the related Senior Percentage for such Distribution Date plus 20% of the related Subordinate Percentage for such Distribution Date; and 27 (v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date; provided, however, (i) that any scheduled reduction to the Senior Accelerated Distribution Percentage described above shall not occur as of any Distribution Date unless either (a)(1)(X) the outstanding principal balance of the Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the Subordinate Certificates, is less than 50% or (Y) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 30%, 35%, 40%, 45% or 50%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates or (b)(1) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 4% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date, if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 10%, 15%, 20%, 25% or 30%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates, and (ii) that for any Distribution Date on which the Senior Percentage is greater than the Senior Percentage as of the Closing Date, the Senior Accelerated Distribution Percentage for such Distribution Date shall be 100%, or, if the Mortgage Pool is comprised of two or more Loan Groups, for any Distribution Date on which the weighted average of the Senior Percentages for each Loan Group, weighted on the basis of the Stated Principal Balances of the Mortgage Loans in the related Loan Group (excluding the Discount Fraction of the Discount Mortgage Loans in such Loan Group) exceeds the weighted average of the initial Senior Percentages (calculated on such basis) for each Loan Group, each of the Senior Accelerated Distribution Percentages for such Distribution Date will equal 100%. Notwithstanding the foregoing, upon the reduction of the Certificate Principal Balances of the related Senior Certificates (other than the Class A-P Certificates, if any) to zero, the related Senior Accelerated Distribution Percentage shall thereafter be 0%. Senior Certificate: As defined in the Series Supplement. Senior Percentage: As defined in the Series Supplement. 28 Senior Support Certificate: A Senior Certificate that provides additional credit enhancement to certain other classes of Senior Certificates and designated as such in the Preliminary Statement of the Series Supplement. Series: All of the Certificates issued pursuant to a Pooling and Servicing Agreement and bearing the same series designation. Series Supplement: The agreement into which this Standard Terms is incorporated and pursuant to which, together with this Standard Terms, a Series of Certificates is issued. Servicing Accounts: The account or accounts created and maintained pursuant to Section 3.08. Servicing Advances: All customary, reasonable and necessary "out of pocket" costs and expenses incurred in connection with a default, delinquency or other unanticipated event by the Master Servicer or a Subservicer in the performance of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of a Mortgaged Property or, with respect to a Cooperative Loan, the related Cooperative Apartment, (ii) any enforcement or judicial proceedings, including foreclosures, including any expenses incurred in relation to any such proceedings that result from the Mortgage Loan being registered on the MERS System, (iii) the management and liquidation of any REO Property, (iv) any mitigation procedures implemented in accordance with Section 3.07, and (v) compliance with the obligations under Sections 3.01, 3.08, 3.11, 3.12(a) and 3.14, including, if the Master Servicer or any Affiliate of the Master Servicer provides services such as appraisals and brokerage services that are customarily provided by Persons other than servicers of mortgage loans, reasonable compensation for such services. Servicing Fee: With respect to any Mortgage Loan and Distribution Date, the fee payable monthly to the Master Servicer in respect of master servicing compensation that accrues at an annual rate designated on the Mortgage Loan Schedule as the "MSTR SERV FEE" for such Mortgage Loan, as may be adjusted with respect to successor Master Servicers as provided in Section 7.02. Servicing Modification: Any reduction of the interest rate on or the outstanding principal balance of a Mortgage Loan, any extension of the final maturity date of a Mortgage Loan, and any increase to the outstanding principal balance of a Mortgage Loan by adding to the Stated Principal Balance unpaid principal and interest and other amounts owing under the Mortgage Loan, in each case pursuant to a modification of a Mortgage Loan that is in default, or for which, in the judgment of the Master Servicer, default is reasonably foreseeable in accordance with Section 3.07(a). Servicing Officer: Any officer of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and specimen signature appear on a list of servicing officers furnished to the Trustee by the Master Servicer, as such list may from time to time be amended. Special Hazard Loss: Any Realized Loss not in excess of the cost of the lesser of repair or replacement of a Mortgaged Property (or, with respect to a 29 Cooperative Loan, the related Cooperative Apartment) suffered by such Mortgaged Property (or Cooperative Apartment) on account of direct physical loss, exclusive of (i) any loss of a type covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property pursuant to Section 3.12(a), except to the extent of the portion of such loss not covered as a result of any coinsurance provision and (ii) any Extraordinary Loss. Standard & Poor's: Standard & Poor's Ratings Services, a division of The McGraw-Hill Companies, Inc., or its successor in interest. Stated Principal Balance: With respect to any Mortgage Loan or related REO Property, at any given time, (i) the sum of (a) the Cut-off Date Principal Balance of the Mortgage Loan plus (b) any amount by which the Stated Principal Balance of the Mortgage Loan has been increased pursuant to a Servicing Modification, minus (ii) the sum of (a) the principal portion of the Monthly Payments due with respect to such Mortgage Loan or REO Property during each Due Period ending prior to the most recent Distribution Date which were received or with respect to which an Advance was made, and (b) all Principal Prepayments with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds, Liquidation Proceeds and REO Proceeds, to the extent applied by the Master Servicer as recoveries of principal in accordance with Section 3.14 with respect to such Mortgage Loan or REO Property, in each case which were distributed pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized Loss allocated to Certificateholders with respect thereto for any previous Distribution Date. Subclass: With respect to the Class A-V Certificates, any Subclass thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the Uncertificated Class A-V REMIC Regular Interest or Interests specified by the initial Holder of the Class A-V Certificates pursuant to Section 5.01(c). Subordinate Certificate: Any one of the Class M Certificates or Class B Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C, respectively. Subordinate Class Percentage: With respect to any Distribution Date and any Class of Subordinate Certificates, a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of such Class of Subordinate Certificates immediately prior to such date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Subordinate Percentage: As of any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100% minus the related Senior Percentage as of such Distribution Date. Subsequent Recoveries: As of any Distribution Date, amounts received by the Master Servicer (net of any related expenses permitted to be reimbursed pursuant to Section 3.10) or surplus amounts held by the Master Servicer to cover estimated expenses (including, but not limited to, recoveries in respect of the representations and warranties made by the related Seller pursuant to the 30 applicable Seller's Agreement and assigned to the Trustee pursuant to Section 2.04) specifically related to a Mortgage Loan that was the subject of a Cash Liquidation or an REO Disposition prior to the related Prepayment Period that resulted in a Realized Loss. Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is subject to a Subservicing Agreement. Subservicer: Any Person with whom the Master Servicer has entered into a Subservicing Agreement and who generally satisfied the requirements set forth in the Program Guide in respect of the qualification of a Subservicer as of the date of its approval as a Subservicer by the Master Servicer. Subservicer Advance: Any delinquent installment of principal and interest on a Mortgage Loan which is advanced by the related Subservicer (net of its Subservicing Fee) pursuant to the Subservicing Agreement. Subservicing Account: An account established by a Subservicer in accordance with Section 3.08. Subservicing Agreement: The written contract between the Master Servicer and any Subservicer relating to servicing and administration of certain Mortgage Loans as provided in Section 3.02, generally in the form of the servicer contract referred to or contained in the Program Guide or in such other form as has been approved by the Master Servicer and the Company. With respect to Additional Collateral Loans subserviced by MLCC, the Subservicing Agreement shall also include the Addendum and Assignment Agreement and the Pledged Asset Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as such agreement may be amended from time to time. Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to the Master Servicer) in respect of subservicing and other compensation that accrues at an annual rate equal to the excess of the Mortgage Rate borne by the related Mortgage Note over the rate per annum designated on the Mortgage Loan Schedule as the "CURR NET" for such Mortgage Loan. Surety: Ambac, or its successors in interest, or such other surety as may be identified in the Series Supplement. Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE), dated February 28, 1996 in respect to Mortgage Loans originated by MLCC, or the Surety Bond (Policy No. AB0240BE), dated March 17, 1999 in respect to Mortgage Loans originated by Novus Financial Corporation, in each case issued by Ambac for the benefit of certain beneficiaries, including the Trustee for the benefit of the Holders of the Certificates, but only to the extent that such Surety Bond covers any Additional Collateral Loans, or such other Surety Bond as may be identified in the Series Supplement. Tax Returns: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of 31 REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of any REMIC formed under the Series Supplement and under the REMIC Provisions, together with any and all other information, reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws. Transfer: Any direct or indirect transfer, sale, pledge, hypothecation or other form of assignment of any Ownership Interest in a Certificate. Transferee: Any Person who is acquiring by Transfer any Ownership Interest in a Certificate. Transferor: Any Person who is disposing by Transfer of any Ownership Interest in a Certificate. Trust Fund: The segregated pool of assets related to a Series, with respect to which one or more REMIC elections are to be made pursuant to this Agreement, consisting of: (i) the Mortgage Loans and the related Mortgage Files and collateral securing such Mortgage Loans, (ii) all payments on and collections in respect of the Mortgage Loans due after the Cut-off Date as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan or Pledged Assets for any Pledged Asset Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property that secured a Mortgage Loan and that has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01, and (v) all proceeds of clauses (i) through (iv) above. Uniform Single Attestation Program for Mortgage Bankers: The Uniform Single Attestation Program for Mortgage Bankers, as published by the Mortgage Bankers Association of America and effective with respect to fiscal periods ending on or after December 15, 1995. Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies. United States Person or U.S. Person: (i) A citizen or resident of the United States, (ii) a corporation, partnership or other entity treated as a corporation or partnership for United States federal income tax purposes organized in or under the laws of the United States or any state thereof or the 32 District of Columbia (unless, in the case of a partnership, Treasury regulations provide otherwise), provided that, for purposes solely of the restrictions on the transfer of residual interests, no partnership or other entity treated as a partnership for United States federal income tax purposes shall be treated as a United States Person or U.S. Person unless all persons that own an interest in such partnership either directly or indirectly through any chain of entities no one of which is a corporation for United States federal income tax purposes are required by the applicable operating agreement to be United States Persons, (iii) an estate the income of which is includible in gross income for United States tax purposes, regardless of its source, or (iv) a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States persons have authority to control all substantial decisions of the trust. Notwithstanding the preceding sentence, to the extent provided in Treasury regulations, certain Trusts in existence on August 20, 1996, and treated as United States persons prior to such date, that elect to continue to be treated as United States persons will also be a U.S. Person. U.S.A. Patriot Act: Uniting and Strengthening America by Providing Appropriate Tools to Intercept and Obstruct Terrorism Act of 2001, as amended. Voting Rights: The portion of the voting rights of all of the Certificates which is allocated to any Certificate, and more specifically designated in Article XI of the Series Supplement. Section 1.02. Use of Words and Phrases. "Herein," "hereby," "hereunder," `hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definition set forth herein include both the singular and the plural. 33 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (a) The Company, concurrently with the execution and delivery hereof, does hereby assign to the Trustee without recourse all the right, title and interest of the Company in and to the Mortgage Loans, including all interest and principal received on or with respect to the Mortgage Loans after the Cut-off Date (other than payments of principal and interest due on the Mortgage Loans in the month of the Cut-off Date). In connection with such transfer and assignment, the Company does hereby deliver to the Trustee the Certificate Policy (as defined in the Series Supplement), if any. (b) In connection with such assignment, except as set forth in Section 2.01(c) and subject to Section 2.01(d) below, the Company does hereby deliver to, and deposit with, the Trustee, or to and with one or more Custodians, as the duly appointed agent or agents of the Trustee for such purpose, the following documents or instruments (or copies thereof as permitted by this Section) (I) with respect to each Mortgage Loan so assigned (other than a Cooperative Loan): (i) The original Mortgage Note, endorsed without recourse to the order of the Trustee, and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Seller or Residential Funding stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) The original Mortgage, noting the presence of the MIN of the Mortgage Loan and language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, with evidence of recording indicated thereon or a copy of the Mortgage with evidence of recording indicated thereon; (iii) Unless the Mortgage Loan is registered on the MERS(R) System, an original Assignment of the Mortgage to the Trustee with evidence of recording indicated thereon or a copy of such assignment with evidence of recording indicated thereon; (iv) The original recorded assignment or assignments of the Mortgage showing an unbroken chain of title from the originator thereof to the Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS(R) System and noting the presence of a MIN) with evidence of recordation noted thereon or attached thereto, or a copy of such assignment or assignments of the Mortgage with evidence of recording indicated thereon; and (v) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Mortgage Loan or a copy of each modification, assumption agreement or preferred loan agreement. 34 and (II) with respect to each Cooperative Loan so assigned: (i) The original Mortgage Note, endorsed without recourse to the order of the Trustee and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Seller or Residential Funding stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) A counterpart of the Cooperative Lease and the Assignment of Proprietary Lease to the originator of the Cooperative Loan with intervening assignments showing an unbroken chain of title from such originator to the Trustee; (iii) The related Cooperative Stock Certificate, representing the related Cooperative Stock pledged with respect to such Cooperative Loan, together with an undated stock power (or other similar instrument) executed in blank; (iv) The original recognition agreement by the Cooperative of the interests of the mortgagee with respect to the related Cooperative Loan; (v) The Security Agreement; (vi) Copies of the original UCC-1 financing statement, and any continuation statements, filed by the originator of such Cooperative Loan as secured party, each with evidence of recording thereof, evidencing the interest of the originator under the Security Agreement and the Assignment of Proprietary Lease; (vii) Copies of the filed UCC-3 assignments of the security interest referenced in clause (vi) above showing an unbroken chain of title from the originator to the Trustee, each with evidence of recording thereof, evidencing the interest of the originator under the Security Agreement and the Assignment of Proprietary Lease; (viii) An executed assignment of the interest of the originator in the Security Agreement, Assignment of Proprietary Lease and the recognition agreement referenced in clause (iv) above, showing an unbroken chain of title from the originator to the Trustee; (ix) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Cooperative Loan; and (x) A duly completed UCC-1 financing statement showing the Master Servicer as debtor, the Company as secured party and the Trustee as assignee and a duly completed UCC-1 financing statement showing the Company as debtor and the Trustee as secured party, each in a form sufficient for filing, evidencing the interest of such debtors in the Cooperative Loans. (c) The Company may, in lieu of delivering the original of the documents set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted 35 by Section 2.01(b)) to the Trustee or the Custodian or Custodians, deliver such documents to the Master Servicer, and the Master Servicer shall hold such documents in trust for the use and benefit of all present and future Certificateholders until such time as is set forth in the next sentence. Within thirty Business Days following the earlier of (i) the receipt of the original of all of the documents or instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted by such Section) for any Mortgage Loan and (ii) a written request by the Trustee to deliver those documents with respect to any or all of the Mortgage Loans then being held by the Master Servicer, the Master Servicer shall deliver a complete set of such documents to the Trustee or the Custodian or Custodians that are the duly appointed agent or agents of the Trustee. The parties hereto agree that it is not intended that any Mortgage Loan be included in the Trust Fund that is either (i) a "High-Cost Home Loan" as defined in the New Jersey Home Ownership Act effective November 27, 2003 or (ii) a "High-Cost Home Loan" as defined in the New Mexico Home Loan Protection Act effective January 1, 2004. (d) Notwithstanding the provisions of Section 2.01(c), in connection with any Mortgage Loan, if the Company cannot deliver the original of the Mortgage, any assignment, modification, assumption agreement or preferred loan agreement (or copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon concurrently with the execution and delivery of this Agreement because of (i) a delay caused by the public recording office where such Mortgage, assignment, modification, assumption agreement or preferred loan agreement as the case may be, has been delivered for recordation, or (ii) a delay in the receipt of certain information necessary to prepare the related assignments, the Company shall deliver or cause to be delivered to the Trustee or the respective Custodian a copy of such Mortgage, assignment, modification, assumption agreement or preferred loan agreement. The Company shall promptly cause to be recorded in the appropriate public office for real property records the Assignment referred to in clause (I)(iii) of Section 2.01(b), except (a) in states where, in the opinion of counsel acceptable to the Trustee and the Master Servicer, such recording is not required to protect the Trustee's interests in the Mortgage Loan against the claim of any subsequent transferee or any successor to or creditor of the Company or the originator of such Mortgage Loan or (b) if MERS is identified on the Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee of record solely as nominee for the Seller and its successors and assigns, and shall promptly cause to be filed the Form UCC-3 assignment and UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively, of Section 2.01(b). If any Assignment, Form UCC-3 or Form UCC-1, as applicable, is lost or returned unrecorded to the Company because of any defect therein, the Company shall prepare a substitute Assignment, Form UCC-3 or Form UCC-1, as applicable, or cure such defect, as the case may be, and cause such Assignment to be recorded in accordance with this paragraph. The Company shall promptly deliver or cause to be delivered to the Trustee or the respective Custodian such Mortgage or Assignment or Form UCC-3 or Form UCC-1, as applicable, (or copy thereof as permitted by Section 2.01(b)) with evidence of recording indicated thereon at the time specified in Section 2.01(c). In connection with its servicing of Cooperative Loans, the Master Servicer will use its best efforts to file timely continuation statements with regard to each financing statement and assignment relating to Cooperative Loans as to which the related Cooperative Apartment is located outside of the State of New York. 36 If the Company delivers to the Trustee or Custodian any Mortgage Note or Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage in the name of the Trustee in conjunction with the Interim Certification issued by the Custodian, as contemplated by Section 2.02. Any of the items set forth in Sections 2.01(b)(I)(ii), (iii), (iv) and (v) and (II)(vi) and (vii) and that may be delivered as a copy rather than the original may be delivered to the Trustee or the Custodian. In connection with the assignment of any Mortgage Loan registered on the MERS(R) System, the Company further agrees that it will cause, at the Company's own expense, within 30 Business Days after the Closing Date, the MERS(R) System to indicate that such Mortgage Loans have been assigned by the Company to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field "Pool Field" which identifies the series of the Certificates issued in connection with such Mortgage Loans. The Company further agrees that it will not, and will not permit the Master Servicer to, and the Master Servicer agrees that it will not, alter the codes referenced in this paragraph with respect to any Mortgage Loan during the term of this Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement. (e) Residential Funding hereby assigns to the Trustee its security interest in and to any Additional Collateral or Pledged Assets, its right to receive amounts due or to become due in respect of any Additional Collateral or Pledged Assets pursuant to the related Subservicing Agreement and its rights as beneficiary under the Surety Bond in respect of any Additional Collateral Loans. With respect to any Additional Collateral Loan or Pledged Asset Loan, Residential Funding shall cause to be filed in the appropriate recording office a UCC-3 statement giving notice of the assignment of the related security interest to the Trust Fund and shall thereafter cause the timely filing of all necessary continuation statements with regard to such financing statements. (f) It is intended that the conveyance by the Company to the Trustee of the Mortgage Loans as provided for in this Section 2.01 be and the Uncertificated REMIC Regular Interests, if any (as provided for in Section 2.06), be construed as a sale by the Company to the Trustee of the Mortgage Loans and any Uncertificated REMIC Regular Interests for the benefit of the Certificateholders. Further, it is not intended that such conveyance be deemed to be a pledge of the Mortgage Loans and any Uncertificated REMIC Regular Interests by the Company to the Trustee to secure a debt or other obligation of the Company. Nonetheless, (a) this Agreement is intended to be and hereby is a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to be, and hereby is, (1) a grant by the Company to the Trustee of a security interest in all of the Company's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to any and all general intangibles, payment intangibles, accounts, chattel paper, 37 instruments, documents, money, deposit accounts, certificates of deposit, goods, letters of credit, advices of credit and investment property and other property of whatever kind or description now existing or hereafter acquired consisting of, arising from or relating to any of the following: (A) the Mortgage Loans, including (i) with respect to each Cooperative Loan, the related Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other than a Cooperative Loan, the related Mortgage Note and Mortgage, and (iii) any insurance policies and all other documents in the related Mortgage File, (B) all amounts payable pursuant to the Mortgage Loans in accordance with the terms thereof, (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts from time to time held or invested in the Certificate Account or the Custodial Account, whether in the form of cash, instruments, securities or other property and (2) an assignment by the Company to the Trustee of any security interest in any and all of Residential Funding's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the property described in the foregoing clauses (1)(A), (B), (C) and (D) granted by Residential Funding to the Company pursuant to the Assignment Agreement; (c) the possession by the Trustee, the Custodian or any other agent of the Trustee of Mortgage Notes or such other items of property as constitute instruments, money, payment intangibles, negotiable documents, goods, deposit accounts, letters of credit, advices of credit, investment property, certificated securities or chattel paper shall be deemed to be "possession by the secured party," or possession by a purchaser or a person designated by such secured party, for purposes of perfecting the security interest pursuant to the Minnesota Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction as in effect (including, without limitation, Sections 8-106, 9-313 and 9-106 thereof); and (d) notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, securities intermediaries, bailees or agents of, or persons holding for (as applicable) the Trustee for the purpose of perfecting such security interest under applicable law. The Company and, at the Company's direction, Residential Funding and the Trustee shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to ensure that, if this Agreement were determined to create a security interest in the Mortgage Loans, any Uncertificated REMIC Regular Interests and the other property described above, such security interest would be determined to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement. Without limiting the generality of the foregoing, the Company shall prepare and deliver to the Trustee not less than 15 days prior to any filing date and, the Trustee shall forward for filing, or shall cause to be forwarded for filing, at the expense of the Company, all filings necessary to maintain the effectiveness of any original filings necessary under the Uniform Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Mortgage Loans and any Uncertificated REMIC Regular Interests, as evidenced by an Officers' Certificate of the Company, including without limitation (x) continuation statements, and (y) such other statements as may be occasioned by (1) any change of name of Residential Funding, the Company or the Trustee (such preparation and filing shall be at the expense of the Trustee, if occasioned by a change in the Trustee's name), (2) any change of location of the place of business or the chief executive office of Residential Funding or the Company, (3) any transfer of any interest of 38 Residential Funding or the Company in any Mortgage Loan or (4) any transfer of any interest of Residential Funding or the Company in any Uncertificated REMIC Regular Interest. (g) The Master Servicer hereby acknowledges the receipt by it of the Initial Monthly Payment Fund. The Master Servicer shall hold such Initial Monthly Payment Fund in the Custodial Account and shall include such Initial Monthly Payment Fund in the Available Distribution Amount for the initial Distribution Date. Notwithstanding anything herein to the contrary, the Initial Monthly Payment Fund shall not be an asset of any REMIC. To the extent that the Initial Monthly Payment Fund constitutes a reserve fund for federal income tax purposes, (1) it shall be an outside reserve fund and not an asset of any REMIC, (2) it shall be owned by the Seller and (3) amounts transferred by any REMIC to the Initial Monthly Payment Fund shall be treated as transferred to the Seller or any successor, all within the meaning of Section 1.860G-2(h) of the Treasury Regulations. (h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this Agreement will also constitute the assignment, sale, setting-over, transfer and conveyance to the Trustee, without recourse (but subject to the Company's covenants, representations and warranties specifically provided herein), of all of the Company's obligations and all of the Company's right, title and interest in, to and under, whether now existing or hereafter acquired as owner of the Mortgage Loan with respect to any and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description consisting of, arising from or related to (i) the Assigned Contracts, (ii) all rights, powers and remedies of the Company as owner of such Mortgage Loan under or in connection with the Assigned Contracts, whether arising under the terms of such Assigned Contracts, by statute, at law or in equity, or otherwise arising out of any default by the Mortgagor under or in connection with the Assigned Contracts, including all rights to exercise any election or option or to make any decision or determination or to give or receive any notice, consent, approval or waiver thereunder, (iii) the Pledged Amounts and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description and all cash and non-cash proceeds of the sale, exchange, or redemption of, and all stock or conversion rights, rights to subscribe, liquidation dividends or preferences, stock dividends, rights to interest, dividends, earnings, income, rents, issues, profits, interest payments or other distributions of cash or other property that secures a Pledged Asset Loan, (iv) all documents, books and records concerning the foregoing (including all computer programs, tapes, disks and related items containing any such information) and (v) all insurance proceeds (including proceeds from the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation or any other insurance company) of any of the foregoing or replacements thereof or substitutions therefor, proceeds of proceeds and the conversion, voluntary or involuntary, of any thereof. The foregoing transfer, sale, assignment and conveyance does not constitute and is not intended to result in the creation, or an assumption by the Trustee, of any obligation of the Company, or any other person in connection with the Pledged Assets or under any agreement or instrument relating thereto, including any obligation to the Mortgagor, other than as owner of the Mortgage Loan. 39 Section 2.02. Acceptance by Trustee. The Trustee acknowledges receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(b)(i) above (except that for purposes of such acknowledgement only, a Mortgage Note may be endorsed in blank) and declares that it, or a Custodian as its agent, holds and will hold such documents and the other documents constituting a part of the Mortgage Files delivered to it, or a Custodian as its agent, and the rights of Residential Funding with respect to any Pledged Assets, Additional Collateral and the Surety Bond assigned to the Trustee pursuant to Section 2.01, in trust for the use and benefit of all present and future Certificateholders. The Trustee or Custodian (such Custodian being so obligated under a Custodial Agreement) agrees, for the benefit of Certificateholders, to review each Mortgage File delivered to it pursuant to Section 2.01(b) within 45 days after the Closing Date to ascertain that all required documents (specifically as set forth in Section 2.01(b)), have been executed and received, and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to the Trustee a certificate (the "Interim Certification") to the effect that all documents required to be delivered pursuant to Section 2.01(b) above have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except for any exceptions listed on Schedule A attached to such Interim Certification. Upon delivery of the Mortgage Files by the Company or the Master Servicer, the Trustee shall acknowledge receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(c) above. If the Custodian, as the Trustee's agent, finds any document or documents constituting a part of a Mortgage File to be missing or defective, the Trustee shall promptly so notify the Master Servicer and the Company. Pursuant to Section 2.3 of the Custodial Agreement, the Custodian will notify the Master Servicer, the Company and the Trustee of any such omission or defect found by it in respect of any Mortgage File held by it in respect of the items reviewed by it pursuant to the Custodial Agreement. If such omission or defect materially and adversely affects the interests of the Certificateholders, the Master Servicer shall promptly notify the related Subservicer or Seller of such omission or defect and request that such Subservicer or Seller correct or cure such omission or defect within 60 days from the date the Master Servicer was notified of such omission or defect and, if such Subservicer or Seller does not correct or cure such omission or defect within such period, that such Subservicer or Seller purchase such Mortgage Loan from the Trust Fund at its Purchase Price, in either case within 90 days from the date the Master Servicer was notified of such omission or defect; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The Purchase Price for any such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be deposited or caused to be deposited by the Master Servicer in the Custodial Account maintained by it pursuant to Section 3.07 and, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Seller or its 40 designee or the Subservicer or its designee, as the case may be, any Mortgage Loan released pursuant hereto and thereafter such Mortgage Loan shall not be part of the Trust Fund. In furtherance of the foregoing, if the Subservicer or Seller that repurchases the Mortgage Loan is not a member of MERS and the Mortgage is registered on the MERS(R) System, the Master Servicer, at its own expense and without any right of reimbursement, shall cause MERS to execute and deliver an assignment of the Mortgage in recordable form to transfer the Mortgage from MERS to such Subservicer or Seller and shall cause such Mortgage to be removed from registration on the MERS(R) System in accordance with MERS' rules and regulations. It is understood and agreed that the obligation of the Seller or the Subservicer, as the case may be, to so cure or purchase any Mortgage Loan as to which a material and adverse defect in or omission of a constituent document exists shall constitute the sole remedy respecting such defect or omission available to Certificateholders or the Trustee on behalf of the Certificateholders. Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) The Master Servicer hereby represents and warrants to the Trustee for the benefit of the Certificateholders that: (i) The Master Servicer is a corporation duly organized, validly existing and in good standing under the laws governing its creation and existence and is or will be in compliance with the laws of each state in which any Mortgaged Property is located to the extent necessary to ensure the enforceability of each Mortgage Loan in accordance with the terms of this Agreement; (ii) The execution and delivery of this Agreement by the Master Servicer and its performance and compliance with the terms of this Agreement will not violate the Master Servicer's Certificate of Incorporation or Bylaws or constitute a material default (or an event which, with notice or lapse of time, or both, would constitute a material default) under, or result in the material breach of, any material contract, agreement or other instrument to which the Master Servicer is a party or which may be applicable to the Master Servicer or any of its assets; (iii) This Agreement, assuming due authorization, execution and delivery by the Trustee and the Company, 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 41 properties or might have consequences that would materially adversely affect its performance hereunder; (v) No litigation is pending or, to the best of the Master Servicer's knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement; (vi) The Master Servicer will comply in all material respects in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Required Insurance Policy; (vii) No information, certificate of an officer, statement furnished in writing or report delivered to the Company, any Affiliate of the Company or the Trustee by the Master Servicer will, to the knowledge of the Master Servicer, contain any untrue statement of a material fact or omit a material fact necessary to make the information, certificate, statement or report not misleading; (viii) The Master Servicer has examined each existing, and will examine each new, Subservicing Agreement and is or will be familiar with the terms thereof. The terms of each existing Subservicing Agreement and each designated Subservicer are acceptable to the Master Servicer and any new Subservicing Agreements will comply with the provisions of Section 3.02; and (ix) The Master Servicer is a member of MERS in good standing, and will comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS. It is understood and agreed that the representations and warranties set forth in this Section 2.03(a) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by either the Company, the Master Servicer, the Trustee or any Custodian of a breach of any representation or warranty set forth in this Section 2.03(a) which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). Within 90 days of its discovery or its receipt of notice of such breach, the Master Servicer shall either (i) cure such breach in all material respects or (ii) to the extent that such breach is with respect to a Mortgage Loan or a related document, purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The obligation of the Master Servicer to cure such breach or to so purchase such Mortgage Loan shall constitute the sole remedy in respect of a breach of a representation and warranty set forth in this Section 2.03(a) available to the Certificateholders or the Trustee on behalf of the Certificateholders. (b) Representations and warranties relating to the Mortgage Loans are set forth in Section 2.03(b) of the Series Supplement. 42 Section 2.04. Representations and Warranties of Sellers. The Company, as assignee of Residential Funding under the Assignment Agreement, hereby assigns to the Trustee for the benefit of Certificateholders all of its right, title and interest in respect of the Assignment Agreement and each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment Agreement or the Company's rights under such Seller's Agreement relate to the representations and warranties made by Residential Funding or the related Seller in respect of such Mortgage Loan and any remedies provided thereunder for any breach of such representations and warranties, such right, title and interest may be enforced by the Master Servicer on behalf of the Trustee and the Certificateholders. Upon the discovery by the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties made in a Seller's Agreement that have been assigned to the Trustee pursuant to this Section 2.04 or of a breach of any of the representations and warranties made in the Assignment Agreement (which, for purposes hereof, will be deemed to include any other cause giving rise to a repurchase obligation under the Assignment Agreement) in respect of any Mortgage Loan which materially and adversely affects the interests of the Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). The Master Servicer shall promptly notify the related Seller or Residential Funding, as the case may be, of such breach and request that such Seller or Residential Funding, as the case may be, either (i) cure such breach in all material respects within 90 days from the date the Master Servicer was notified of such breach or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that in the case of a breach under the Assignment Agreement Residential Funding shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the breach would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure, repurchase or substitution must occur within 90 days from the date the breach was discovered. If a breach of the Compliance With Laws Representation has given rise to the obligation to repurchase or substitute a Mortgage Loan pursuant to Section 4 of the Assignment Agreement, then the Master Servicer shall request that Residential Funding pay to the Trust Fund, concurrently with and in addition to the remedies provided in the preceding sentence, an amount equal to any liability, penalty or expense that was actually incurred and paid out of or on behalf of the Trust Fund, and that directly resulted from such breach, or if incurred and paid by the Trust Fund thereafter, concurrently with such payment. In the event that Residential Funding elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, Residential Funding shall deliver to the Trustee or the Custodian for the benefit of the Certificateholders with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, if required pursuant to Section 2.01, and such other documents and agreements as are required by Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to Residential Funding on the next succeeding Distribution Date. For the month of substitution, distributions to the Certificateholders will include the Monthly Payment due on a Deleted Mortgage Loan for such month and thereafter Residential Funding shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan. The Master Servicer shall amend or cause to be amended the Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the Schedule of Discount Fractions, for the benefit of the 43 Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall deliver the amended Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing Agreement in all respects, the related Seller shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in the related Seller's Agreement as of the date of substitution, insofar as Residential Funding's rights in respect of such representations and warranties are assigned to the Company pursuant to the Assignment Agreement, and the Company and the Master Servicer shall be deemed to have made with respect to any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the covenants, representations and warranties set forth in this Section 2.04, in Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master Servicer shall be obligated to repurchase or substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase Event (as defined in the Assignment Agreement) has occurred pursuant to Section 4 of the Assignment Agreement. In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Certificateholders in the month of substitution). Residential Funding shall deposit the amount of such shortfall into the Custodial Account on the day of substitution, without any reimbursement therefor. Residential Funding shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officers' Certificate as to the calculation of such shortfall and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any REMIC to fail to qualify as such at any time that any Certificate is outstanding. It is understood and agreed that the obligation of the Seller or Residential Funding, as the case may be, to cure such breach or purchase (or in the case of Residential Funding to substitute for) such Mortgage Loan as to which such a breach has occurred and is continuing and to make any additional payments required under the Assignment Agreement in connection with a breach of the Compliance With Laws Representation shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of Certificateholders. If the Master Servicer is Residential Funding, then the Trustee shall also have the right to give the notification and require the purchase or substitution provided for in the second preceding paragraph in the event of such a breach of a representation or warranty made by Residential Funding in the Assignment Agreement. In connection with the purchase of or substitution for any such Mortgage Loan by Residential Funding, the Trustee shall assign to Residential Funding all of the Trustee's right, title and 44 interest in respect of the Seller's Agreement and the Assignment Agreement applicable to such Mortgage Loan. Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. As provided in Section 2.05 of the Series Supplement. Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. As provided in Section 2.06 of the Series Supplement. Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II. As provided in Section 2.07 of the Series Supplement. Section 2.08. Purposes and Powers of the Trust. The purpose of the trust, as created hereunder, is to engage in the following activities: (a) to sell the Certificates to the Company in exchange for the Mortgage Loans; (b) to enter into and perform its obligations under this Agreement; (c) to engage in those activities that are necessary, suitable or convenient to accomplish the foregoing or are incidental thereto or connected therewith; and (d) subject to compliance with this Agreement, to engage in such other activities as may be required in connection with conservation of the Trust Fund and the making of distributions to the Certificateholders. The trust is hereby authorized to engage in the foregoing activities. Notwithstanding the provisions of Section 11.01, the trust shall not engage in any activity other than in connection with the foregoing or other than as required or authorized by the terms of this Agreement while any Certificate is outstanding, and this Section 2.08 may not be amended, without the consent of the Certificateholders evidencing a majority of the aggregate Voting Rights of the Certificates. 45 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. (a) The Master Servicer shall service and administer the Mortgage Loans in accordance with the terms of this Agreement and the respective Mortgage Loans and shall have full power and authority, acting alone or through Subservicers as provided in Section 3.02, to do any and all things which it may deem necessary or desirable in connection with such servicing and administration. Without limiting the generality of the foregoing, the Master Servicer in its own name or in the name of a Subservicer is hereby authorized and empowered by the Trustee when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment, to execute and deliver, on behalf of the Certificateholders and the Trustee or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, or of consent to assumption or modification in connection with a proposed conveyance, or of assignment of any Mortgage and Mortgage Note in connection with the repurchase of a Mortgage Loan and all other comparable instruments, or with respect to the modification or re-recording of a Mortgage for the purpose of correcting the Mortgage, the subordination of the lien of the Mortgage in favor of a public utility company or government agency or unit with powers of eminent domain, the taking of a deed in lieu of foreclosure, the commencement, prosecution or completion of judicial or non-judicial foreclosure, the conveyance of a Mortgaged Property to the related Insurer, the acquisition of any property acquired by foreclosure or deed in lieu of foreclosure, or the management, marketing and conveyance of any property acquired by foreclosure or deed in lieu of foreclosure with respect to the Mortgage Loans and with respect to the Mortgaged Properties. The Master Servicer further is authorized and empowered by the Trustee, on behalf of the Certificateholders and the Trustee, in its own name or in the name of the Subservicer, when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment to register any Mortgage Loan on the MERS(R) System, or cause the removal from the registration of any Mortgage Loan on the MERS(R) System, to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of assignment and other comparable instruments with respect to such assignment or re-recording of a Mortgage in the name of MERS, solely as nominee for the Trustee and its successors and assigns. Any expenses incurred in connection with the actions described in the preceding sentence shall be borne by the Master Servicer in accordance with Section 3.16(c), with no right of reimbursement; provided, that if, as a result of MERS discontinuing or becoming unable to continue operations in connection with the MERS System, it becomes necessary to remove any Mortgage Loan from registration on the MERS System and to arrange for the assignment of the related Mortgages to the Trustee, then any related expenses shall be reimbursable to the Master Servicer. Notwithstanding the foregoing, subject to Section 3.07(a), the Master Servicer shall not permit any modification with respect to any Mortgage Loan that would both constitute a sale or exchange of such Mortgage Loan within the meaning of Section 1001 of the Code and any proposed, temporary or final regulations promulgated thereunder (other than in connection with a proposed conveyance or assumption of such Mortgage Loan that is treated as a Principal Prepayment in Full pursuant to Section 3.13(d) hereof) and cause any REMIC formed under the Series Supplement to fail to qualify as a REMIC under the Code. 46 The Trustee shall furnish the Master Servicer with any powers of attorney and other documents necessary or appropriate to enable the Master Servicer to service and administer the Mortgage Loans. The Trustee shall not be liable for any action taken by the Master Servicer or any Subservicer pursuant to such powers of attorney. In servicing and administering any Nonsubserviced Mortgage Loan, the Master Servicer shall, to the extent not inconsistent with this Agreement, comply with the Program Guide as if it were the originator of such Mortgage Loan and had retained the servicing rights and obligations in respect thereof. In connection with servicing and administering the Mortgage Loans, the Master Servicer and any Affiliate of the Master Servicer (i) may perform services such as appraisals and brokerage services that are not customarily provided by servicers of mortgage loans, and shall be entitled to reasonable compensation therefor in accordance with Section 3.10 and (ii) may, at its own discretion and on behalf of the Trustee, obtain credit information in the form of a "credit score" from a credit repository. (b) All costs incurred by the Master Servicer or by Subservicers in effecting the timely payment of taxes and assessments on the properties subject to the Mortgage Loans shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so permit, and such costs shall be recoverable to the extent permitted by Section 3.10(a)(ii). (c) The Master Servicer may enter into one or more agreements in connection with the offering of pass-through certificates evidencing interests in one or more of the Certificates providing for the payment by the Master Servicer of amounts received by the Master Servicer as servicing compensation hereunder and required to cover certain Prepayment Interest Shortfalls on the Mortgage Loans, which payment obligation will thereafter be an obligation of the Master Servicer hereunder. Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (a) The Master Servicer may continue in effect Subservicing Agreements entered into by Residential Funding and Subservicers prior to the execution and delivery of this Agreement, and may enter into new Subservicing Agreements with Subservicers, for the servicing and administration of all or some of the Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive and retain, as provided in the related Subservicing Agreement and in Section 3.07, the related Subservicing Fee from payments of interest received on such Mortgage Loan after payment of all amounts required to be remitted to the Master Servicer in respect of such Mortgage Loan. For any Mortgage Loan that is a Nonsubserviced Mortgage Loan, the Master Servicer shall be entitled to receive and retain an amount equal to the Subservicing Fee from payments of interest. Unless the context otherwise requires, references in this Agreement to actions taken or to be taken by the Master Servicer in servicing the Mortgage Loans include actions taken or to be taken by a Subservicer on behalf of the Master Servicer. Each Subservicing Agreement will be upon such terms and conditions as are generally required or permitted by the Program Guide and are not inconsistent with this Agreement and as the Master Servicer and the Subservicer have agreed. A representative form of Subservicing Agreement is attached hereto as Exhibit E. With the approval of the Master Servicer, a Subservicer may 47 delegate its servicing obligations to third-party servicers, but such Subservicer will remain obligated under the related Subservicing Agreement. The Master Servicer and a Subservicer may enter into amendments thereto or a different form of Subservicing Agreement, and the form referred to or included in the Program Guide is merely provided for information and shall not be deemed to limit in any respect the discretion of the Master Servicer to modify or enter into different Subservicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of either this Agreement or the Program Guide in a manner which would materially and adversely affect the interests of the Certificateholders. The Program Guide and any other Subservicing Agreement entered into between the Master Servicer and any Subservicer shall require the Subservicer to accurately and fully report its borrower credit files to each of the Credit Repositories in a timely manner. (b) As part of its servicing activities hereunder, the Master Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best reasonable efforts to enforce the obligations of each Subservicer under the related Subservicing Agreement and of each Seller under the related Seller's Agreement insofar as the Company's rights with respect to Seller's obligation has been assigned to the Trustee hereunder, to the extent that the non-performance of any such Seller's obligation would have a material and adverse effect on a Mortgage Loan, including, without limitation, the obligation to purchase a Mortgage Loan on account of defective documentation, as described in Section 2.02, or on account of a breach of a representation or warranty, as described in Section 2.04. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements or Seller's Agreements, as appropriate, and the pursuit of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Master Servicer would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. The Master Servicer shall pay the costs of such enforcement at its own expense, and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement to the extent, if any, that such recovery exceeds all amounts due in respect of the related Mortgage Loan or (ii) from a specific recovery of costs, expenses or attorneys fees against the party against whom such enforcement is directed. For purposes of clarification only, the parties agree that the foregoing is not intended to, and does not, limit the ability of the Master Servicer to be reimbursed for expenses that are incurred in connection with the enforcement of a Seller's obligations (insofar as the Company's rights with respect to such Seller's obligations have been assigned to the Trustee hereunder) and are reimbursable pursuant to Section 3.10(a)(viii). Section 3.03. Successor Subservicers. The Master Servicer shall be entitled to terminate any Subservicing Agreement that may exist in accordance with the terms and conditions of such Subservicing Agreement and without any limitation by virtue of this Agreement; provided, however, that in the event of termination of any Subservicing Agreement by the Master Servicer or the Subservicer, the Master Servicer shall either act as servicer of the related Mortgage Loan or enter into a Subservicing Agreement with a successor Subservicer which will be bound by the terms of the related Subservicing Agreement. If the Master Servicer or any Affiliate of Residential Funding acts as servicer, it will not assume liability for the 48 representations and warranties of the Subservicer which it replaces. If the Master Servicer enters into a Subservicing Agreement with a successor Subservicer, the Master Servicer shall use reasonable efforts to have the successor Subservicer assume liability for the representations and warranties made by the terminated Subservicer in respect of the related Mortgage Loans and, in the event of any such assumption by the successor Subservicer, the Master Servicer may, in the exercise of its business judgment, release the terminated Subservicer from liability for such representations and warranties. Section 3.04. Liability of the Master Servicer. Notwithstanding any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Master Servicer or a Subservicer or reference to actions taken through a Subservicer or otherwise, the Master Servicer shall remain obligated and liable to the Trustee and the Certificateholders for the servicing and administering of the Mortgage Loans in accordance with the provisions of Section 3.01 without diminution of such obligation or liability by virtue of such Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer or the Company and to the same extent and under the same terms and conditions as if the Master Servicer alone were servicing and administering the Mortgage Loans. The Master Servicer shall be entitled to enter into any agreement with a Subservicer or Seller for indemnification of the Master Servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification. Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. Any Subservicing Agreement that may be entered into and any other transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such and not as an originator shall be deemed to be between the Subservicer and the Master Servicer alone and the Trustee and the Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Subservicer in its capacity as such except as set forth in Section 3.06. The foregoing provision shall not in any way limit a Subservicer's obligation to cure an omission or defect or to repurchase a Mortgage Loan as referred to in Section 2.02 hereof. Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (a) If the Master Servicer shall for any reason no longer be the master servicer (including by reason of an Event of Default), the Trustee, its designee or its successor shall thereupon assume all of the rights and obligations of the Master Servicer under each Subservicing Agreement that may have been entered into. The Trustee, its designee or the successor servicer for the Trustee shall be deemed to have assumed all of the Master Servicer's interest therein and to have replaced the Master Servicer as a party to the Subservicing Agreement to the same extent as if the Subservicing Agreement had been assigned to the assuming party except that the Master Servicer shall not thereby be relieved of any liability or obligations under the Subservicing Agreement. (b) The Master Servicer shall, upon request of the Trustee but at the expense of the Master Servicer, deliver to the assuming party all documents and records 49 relating to each Subservicing Agreement and the Mortgage Loans then being serviced and an accounting of amounts collected and held by it and otherwise use its best efforts to effect the orderly and efficient transfer of each Subservicing Agreement to the assuming party. Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (a) The Master Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement and the terms and provisions of any related Primary Insurance Policy, follow such collection procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. Consistent with the foregoing, the Master Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due on a Mortgage Loan in accordance with the Program Guide; provided, however, that the Master Servicer shall first determine that any such waiver or extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. Notwithstanding anything in this Section to the contrary, the Master Servicer shall not enforce any prepayment charge to the extent that such enforcement would violate any applicable law. In the event of any such arrangement, the Master Servicer shall make timely advances on the related Mortgage Loan during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements unless otherwise agreed to by the Holders of the Classes of Certificates affected thereby; provided, however, that no such extension shall be made if any such advance would be a Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master Servicer may also waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Master Servicer's determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any estimated Realized Loss that might result absent such action); provided, however, that the Master Servicer may not modify materially or permit any Subservicer to modify any Mortgage Loan, including without limitation any modification that would change the Mortgage Rate, forgive the payment of any principal or interest (unless in connection with the liquidation of the related Mortgage Loan or except in connection with prepayments to the extent that such reamortization is not inconsistent with the terms of the Mortgage Loan), capitalize any amounts owing on the Mortgage Loan by adding such amount to the outstanding principal balance of the Mortgage Loan, or extend the final maturity date of such Mortgage Loan, unless such Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable; provided, further, that (1) no such modification shall reduce the interest rate on a Mortgage Loan below one-half of the Mortgage Rate as in effect on the Cut-off Date, but not less than the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrues plus the rate at which the premium paid to the Certificate Insurer, if any, accrues, (2) the final maturity date for any Mortgage Loan shall not be extended beyond the Maturity Date, (3) the Stated Principal Balance of all Reportable Modified Mortgage Loans subject to Servicing Modifications (measured at the time of the Servicing Modification and after giving effect to any Servicing Modification) can be no more than five percent of the aggregate principal balance of the Mortgage Loans as of the Cut-off Date, unless such limit is increased from time to time with the consent of the Rating Agencies and the Certificate Insurer, if any. In addition, 50 any amounts owing on a Mortgage Loan added to the outstanding principal balance of such Mortgage Loan must be fully amortized over the remaining term of such Mortgage Loan, and such amounts may be added to the outstanding principal balance of a Mortgage Loan only once during the life of such Mortgage Loan. Also, the addition of such amounts described in the preceding sentence shall be implemented in accordance with the Program Guide and may be implemented only by Subservicers that have been approved by the Master Servicer for such purpose. In connection with any Curtailment of a Mortgage Loan, the Master Servicer, to the extent not inconsistent with the terms of the Mortgage Note and local law and practice, may permit the Mortgage Loan to be reamortized such that the Monthly Payment is recalculated as an amount that will fully amortize the remaining Stated Principal Balance thereof by the original Maturity Date based on the original Mortgage Rate; provided, that such re-amortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes, except if such reissuance is described in Treasury Regulation Section 1.860G-2(b)(3). (b) The Master Servicer shall establish and maintain a Custodial Account in which the Master Servicer shall deposit or cause to be deposited on a daily basis, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date): (i) All payments on account of principal, including Principal Prepayments made by Mortgagors on the Mortgage Loans and the principal component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (ii) All payments on account of interest at the Adjusted Mortgage Rate on the Mortgage Loans, including Buydown Funds, if any, and the interest component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (iii) Insurance Proceeds, Subsequent Recoveries and Liquidation Proceeds (net of any related expenses of the Subservicer); (iv) All proceeds of any Mortgage Loans purchased pursuant to Section 2.02, 2.03, 2.04 or 4.07 (including amounts received from Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the Compliance With Laws Representation and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; (v) Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21; (vi) All amounts transferred from the Certificate Account to the Custodial Account in accordance with Section 4.02(a); (vii) Any amounts realized by the Subservicer and received by the Master Servicer in respect of any Additional Collateral; and (viii) Any amounts received by the Master Servicer in respect of Pledged Assets. 51 The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections in the nature of prepayment charges or late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may elect to treat such amounts as included in the Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. (c) The Master Servicer shall use its best efforts to cause the institution maintaining the Custodial Account to invest the funds in the Custodial Account attributable to the Mortgage Loans in Permitted Investments which shall mature not later than the Certificate Account Deposit Date next following the date of such investment (with the exception of the Amount Held for Future Distribution) and which shall not be sold or disposed of prior to their maturities. All income and gain realized from any such investment shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments attributable to the investment of amounts in respect of the Mortgage Loans shall be deposited in the Custodial Account by the Master Servicer out of its own funds immediately as realized without any right of reimbursement. (d) The Master Servicer shall give notice to the Trustee and the Company of any change in the location of the Custodial Account and the location of the Certificate Account prior to the use thereof. Section 3.08. Subservicing Accounts; Servicing Accounts. (a) In those cases where a Subservicer is servicing a Mortgage Loan pursuant to a Subservicing Agreement, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to establish and maintain one or more Subservicing Accounts which shall be an Eligible Account or, if such account is 52 not an Eligible Account, shall generally satisfy the requirements of the Program Guide and be otherwise acceptable to the Master Servicer and each Rating Agency. The Subservicer will be required thereby to deposit into the Subservicing Account on a daily basis all proceeds of Mortgage Loans received by the Subservicer, less its Subservicing Fees and unreimbursed advances and expenses, to the extent permitted by the Subservicing Agreement. If the Subservicing Account is not an Eligible Account, the Master Servicer shall be deemed to have received such monies upon receipt thereof by the Subservicer. The Subservicer shall not be required to deposit in the Subservicing Account payments or collections in the nature of prepayment charges or late charges or assumption fees. On or before the date specified in the Program Guide, but in no event later than the Determination Date, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account all funds held in the Subservicing Account with respect to each Mortgage Loan serviced by such Subservicer that are required to be remitted to the Master Servicer. The Subservicer will also be required, pursuant to the Subservicing Agreement, to advance on such scheduled date of remittance amounts equal to any scheduled monthly installments of principal and interest less its Subservicing Fees on any Mortgage Loans for which payment was not received by the Subservicer. This obligation to advance with respect to each Mortgage Loan will continue up to and including the first of the month following the date on which the related Mortgaged Property is sold at a foreclosure sale or is acquired by the Trust Fund by deed in lieu of foreclosure or otherwise. All such advances received by the Master Servicer shall be deposited promptly by it in the Custodial Account. (b) The Subservicer may also be required, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee accrues in the case of a Modified Mortgage Loan) on any Curtailment received by such Subservicer in respect of a Mortgage Loan from the related Mortgagor during any month that is to be applied by the Subservicer to reduce the unpaid principal balance of the related Mortgage Loan as of the first day of such month, from the date of application of such Curtailment to the first day of the following month. Any amounts paid by a Subservicer pursuant to the preceding sentence shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v). (c) In addition to the Custodial Account and the Certificate Account, the Master Servicer shall for any Nonsubserviced Mortgage Loan, and shall cause the Subservicers for Subserviced Mortgage Loans to, establish and maintain one or more Servicing Accounts and deposit and retain therein all collections from the Mortgagors (or advances from Subservicers) for the payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items for the account of the Mortgagors. Each Servicing Account shall satisfy the requirements for a Subservicing Account and, to the extent permitted by the Program Guide or as is otherwise acceptable to the Master Servicer, may also function as a Subservicing Account. Withdrawals of amounts related to the Mortgage Loans from the Servicing Accounts may be made only to effect timely payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items, to reimburse the Master Servicer or Subservicer out of related collections for any payments made pursuant to Sections 3.11 (with respect to the Primary Insurance Policy) and 3.12(a) (with respect to hazard insurance), to refund to any 53 Mortgagors any sums as may be determined to be overages, to pay interest, if required, to Mortgagors on balances in the Servicing Account or to clear and terminate the Servicing Account at the termination of this Agreement in accordance with Section 9.01 or in accordance with the Program Guide. As part of its servicing duties, the Master Servicer shall, and the Subservicers will, pursuant to the Subservicing Agreements, be required to pay to the Mortgagors interest on funds in this account to the extent required by law. (d) The Master Servicer shall advance the payments referred to in the preceding subsection that are not timely paid by the Mortgagors or advanced by the Subservicers on the date when the tax, premium or other cost for which such payment is intended is due, but the Master Servicer shall be required so to advance only to the extent that such advances, in the good faith judgment of the Master Servicer, will be recoverable by the Master Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. If compliance with this Section 3.09 shall make any Class of Certificates legal for investment by federally insured savings and loan associations, the Master Servicer shall provide, or cause the Subservicers to provide, to the Trustee, the Office of Thrift Supervision or the FDIC and the supervisory agents and examiners thereof access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision, such access being afforded without charge but only upon reasonable request and during normal business hours at the offices designated by the Master Servicer. The Master Servicer shall permit such representatives to photocopy any such documentation and shall provide equipment for that purpose at a charge reasonably approximating the cost of such photocopying to the Master Servicer. Section 3.10. Permitted Withdrawals from the Custodial Account. (a) The Master Servicer may, from time to time as provided herein, make withdrawals from the Custodial Account of amounts on deposit therein pursuant to Section 3.07 that are attributable to the Mortgage Loans for the following purposes: (i) to make deposits into the Certificate Account in the amounts and in the manner provided for in Section 4.01; (ii) to reimburse itself or the related Subservicer for previously unreimbursed Advances, Servicing Advances or other expenses made pursuant to Sections 3.01, 3.07(a), 3.08, 3.11, 3.12(a), 3.14 and 4.04 or otherwise reimbursable pursuant to the terms of this Agreement, such withdrawal right being limited to amounts received on the related Mortgage Loans (including, for this purpose, REO Proceeds, Insurance Proceeds, Liquidation Proceeds and proceeds from the purchase of a Mortgage Loan pursuant to Section 2.02, 2.03, 2.04 or 4.07) which represent (A) Late Collections of Monthly Payments for which any such advance was made in the case of Subservicer Advances or Advances pursuant to Section 4.04 and (B) recoveries of amounts in respect of which such advances were made in the case of Servicing Advances; 54 (iii)to pay to itself or the related Subservicer (if not previously retained by such Subservicer) out of each payment received by the Master Servicer on account of interest on a Mortgage Loan as contemplated by Sections 3.14 and 3.16, an amount equal to that remaining portion of any such payment as to interest (but not in excess of the Servicing Fee and the Subservicing Fee, if not previously retained) which, when deducted, will result in the remaining amount of such interest being interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount specified in the amortization schedule of the related Mortgage Loan as the principal balance thereof at the beginning of the period respecting which such interest was paid after giving effect to any previous Curtailments; (iv) to pay to itself as additional servicing compensation any interest or investment income earned on funds and other property deposited in or credited to the Custodial Account that it is entitled to withdraw pursuant to Section 3.07(c); (v) to pay to itself as additional servicing compensation any Foreclosure Profits, any amounts remitted by Subservicers as interest in respect of Curtailments pursuant to Section 3.08(b), and any amounts paid by a Mortgagor in connection with a Principal Prepayment in Full in respect of interest for any period during the calendar month in which such Principal Prepayment in Full is to be distributed to the Certificateholders; (vi) to pay to itself, a Subservicer, a Seller, Residential Funding, the Company or any other appropriate Person, as the case may be, with respect to each Mortgage Loan or property acquired in respect thereof that has been purchased or otherwise transferred pursuant to Section 2.02, 2.03, 2.04, 4.07 or 9.01, all amounts received thereon and not required to be distributed to the Certificateholders as of the date on which the related Stated Principal Balance or Purchase Price is determined; (vii)to reimburse itself or the related Subservicer for any Nonrecoverable Advance or Advances in the manner and to the extent provided in subsection (c) below, and any Advance or Servicing Advance made in connection with a modified Mortgage Loan that is in default or, in the judgment of the Master Servicer, default is reasonably foreseeable pursuant to Section 3.07(a), to the extent the amount of the Advance or Servicing Advance was added to the Stated Principal Balance of the Mortgage Loan in a prior calendar month, or any Advance reimbursable to the Master Servicer pursuant to Section 4.02(a); (viii) to reimburse itself or the Company for expenses incurred by and reimbursable to it or the Company pursuant to Sections 3.01(a), 3.11, 3.13, 3.14(c), 6.03, 10.01 or otherwise, or in connection with enforcing, in accordance with this Agreement, any repurchase, substitution or indemnification obligation of any Seller (other than an Affiliate of the Company) pursuant to the related Seller's Agreement; (ix) to reimburse itself for Servicing Advances expended by it (a) pursuant to Section 3.14 in good faith in connection with the restoration of property damaged by an Uninsured Cause, and (b) in connection with the liquidation of a Mortgage Loan or disposition of an REO Property to the 55 extent not otherwise reimbursed pursuant to clause (ii) or (viii) above; and (x) to withdraw any amount deposited in the Custodial Account that was not required to be deposited therein pursuant to Section 3.07. (b) Since, in connection with withdrawals pursuant to clauses (ii), (iii), (v) and (vi), the Master Servicer's entitlement thereto is limited to collections or other recoveries on the related Mortgage Loan, the Master Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any withdrawal from the Custodial Account pursuant to such clauses. (c) The Master Servicer shall be entitled to reimburse itself or the related Subservicer for any advance made in respect of a Mortgage Loan that the Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the Custodial Account of amounts on deposit therein attributable to the Mortgage Loans on any Certificate Account Deposit Date succeeding the date of such determination. Such right of reimbursement in respect of a Nonrecoverable Advance relating to an Advance pursuant to Section 4.04 on any such Certificate Account Deposit Date shall be limited to an amount not exceeding the portion of such advance previously paid to Certificateholders (and not theretofore reimbursed to the Master Servicer or the related Subservicer). Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (a) The Master Servicer shall not take, or permit any Subservicer to take, any action which would result in non-coverage under any applicable Primary Insurance Policy of any loss which, but for the actions of the Master Servicer or Subservicer, would have been covered thereunder. To the extent coverage is available, the Master Servicer shall keep or cause to be kept in full force and effect each such Primary Insurance Policy until the principal balance of the related Mortgage Loan secured by a Mortgaged Property is reduced to 80% or less of the Appraised Value in the case of such a Mortgage Loan having a Loan-to-Value Ratio at origination in excess of 80%, provided that such Primary Insurance Policy was in place as of the Cut-off Date and the Company had knowledge of such Primary Insurance Policy. The Master Servicer shall be entitled to cancel or permit the discontinuation of any Primary Insurance Policy as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is reduced below an amount equal to 80% of the appraised value of the related Mortgaged Property as determined in any appraisal thereof after the Closing Date, or if the Loan-to-Value Ratio is reduced below 80% as a result of principal payments on the Mortgage Loan after the Closing Date. In the event that the Company gains knowledge that as of the Closing Date, a Mortgage Loan had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject of a Primary Insurance Policy (and was not included in any exception to the representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current Loan-to-Value Ratio in excess of 80% then the Master Servicer shall use its reasonable efforts to obtain and maintain a Primary Insurance Policy to the extent that such a policy is obtainable at a reasonable price. The Master Servicer shall not cancel or refuse to renew any such Primary Insurance Policy 56 applicable to a Nonsubserviced Mortgage Loan, or consent to any Subservicer canceling or refusing to renew any such Primary Insurance Policy applicable to a Mortgage Loan subserviced by it, that is in effect at the date of the initial issuance of the Certificates and is required to be kept in force hereunder unless the replacement Primary Insurance Policy for such canceled or non-renewed policy is maintained with an insurer whose claims-paying ability is acceptable to each Rating Agency for mortgage pass-through certificates having a rating equal to or better than the lower of the then-current rating or the rating assigned to the Certificates as of the Closing Date by such Rating Agency. (b) In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present or to cause the related Subservicer to present, on behalf of the Master Servicer, the Subservicer, if any, the Trustee and Certificateholders, claims to the related Insurer under any Primary Insurance Policies, in a timely manner in accordance with such policies, and, in this regard, to take or cause to be taken such reasonable action as shall be necessary to permit recovery under any Primary Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section 3.07, any Insurance Proceeds collected by or remitted to the Master Servicer under any Primary Insurance Policies shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (a) The Master Servicer shall cause to be maintained for each Mortgage Loan (other than a Cooperative Loan) fire insurance with extended coverage in an amount which is equal to the lesser of the principal balance owing on such Mortgage Loan or 100 percent of the insurable value of the improvements; provided, however, that such coverage may not be less than the minimum amount required to fully compensate for any loss or damage on a replacement cost basis. To the extent it may do so without breaching the related Subservicing Agreement, the Master Servicer shall replace any Subservicer that does not cause such insurance, to the extent it is available, to be maintained. The Master Servicer shall also cause to be maintained on property acquired upon foreclosure, or deed in lieu of foreclosure, of any Mortgage Loan (other than a Cooperative Loan), fire insurance with extended coverage in an amount which is at least equal to the amount necessary to avoid the application of any co-insurance clause contained in the related hazard insurance policy. Pursuant to Section 3.07, any amounts collected by the Master Servicer under any such policies (other than amounts to be applied to the restoration or repair of the related Mortgaged Property or property thus acquired or amounts released to the Mortgagor in accordance with the Master Servicer's normal servicing procedures) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any cost incurred by the Master Servicer in maintaining any such insurance shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the Mortgage Loan, notwithstanding that the terms of the Mortgage Loan so permit. Such costs shall be recoverable by the Master Servicer out of related late payments by the Mortgagor or out of Insurance Proceeds and Liquidation Proceeds to the extent permitted by Section 3.10. It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor or maintained on property acquired in respect of a Mortgage Loan other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. Whenever the improvements securing a Mortgage Loan (other than a Cooperative Loan) are located at the time of origination of such Mortgage Loan in a federally designated special flood hazard area, the Master Servicer shall cause flood insurance (to the extent available) to be 57 maintained in respect thereof. Such flood insurance shall be in an amount equal to the lesser of (i) the amount required to compensate for any loss or damage to the Mortgaged Property on a replacement cost basis and (ii) the maximum amount of such insurance available for the related Mortgaged Property under the national flood insurance program (assuming that the area in which such Mortgaged Property is located is participating in such program). If the Master Servicer shall obtain and maintain a blanket fire insurance policy with extended coverage insuring against hazard losses on all of the Mortgage Loans, it shall conclusively be deemed to have satisfied its obligations as set forth in the first sentence of this Section 3.12(a), it being understood and agreed that such policy may contain a deductible clause, in which case the Master Servicer shall, in the event that there shall not have been maintained on the related Mortgaged Property a policy complying with the first sentence of this Section 3.12(a) and there shall have been a loss which would have been covered by such policy, deposit in the Certificate Account the amount not otherwise payable under the blanket policy because of such deductible clause. Any such deposit by the Master Servicer shall be made on the Certificate Account Deposit Date next preceding the Distribution Date which occurs in the month following the month in which payments under any such policy would have been deposited in the Custodial Account. In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present, on behalf of itself, the Trustee and the Certificateholders, claims under any such blanket policy. (b) The Master Servicer shall obtain and maintain at its own expense and keep in full force and effect throughout the term of this Agreement a blanket fidelity bond and an errors and omissions insurance policy covering the Master Servicer's officers and employees and other persons acting on behalf of the Master Servicer in connection with its activities under this Agreement. The amount of coverage shall be at least equal to the coverage that would be required by Fannie Mae or Freddie Mac, whichever is greater, with respect to the Master Servicer if the Master Servicer were servicing and administering the Mortgage Loans for Fannie Mae or Freddie Mac. In the event that any such bond or policy ceases to be in effect, the Master Servicer shall obtain a comparable replacement bond or policy from an issuer or insurer, as the case may be, meeting the requirements, if any, of the Program Guide and acceptable to the Company. Coverage of the Master Servicer under a policy or bond obtained by an Affiliate of the Master Servicer and providing the coverage required by this Section 3.12(b) shall satisfy the requirements of this Section 3.12(b). Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (a) When any Mortgaged Property is conveyed by the Mortgagor, the Master Servicer or Subservicer, to the extent it has knowledge of such conveyance, shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage, to the extent permitted under applicable law and governmental regulations, but only to the extent that such enforcement will not adversely affect or jeopardize coverage under any Required Insurance Policy. Notwithstanding the foregoing: 58 (i) the Master Servicer shall not be deemed to be in default under this Section 3.13(a) by reason of any transfer or assumption which the Master Servicer is restricted by law from preventing; and (ii) if the Master Servicer determines that it is reasonably likely that any Mortgagor will bring, or if any Mortgagor does bring, legal action to declare invalid or otherwise avoid enforcement of a due-on-sale clause contained in any Mortgage Note or Mortgage, the Master Servicer shall not be required to enforce the due-on-sale clause or to contest such action. (b) Subject to the Master Servicer's duty to enforce any due-on-sale clause to the extent set forth in Section 3.13(a), in any case in which a Mortgaged Property is to be conveyed to a Person by a Mortgagor, and such Person is to enter into an assumption or modification agreement or supplement to the Mortgage Note or Mortgage which requires the signature of the Trustee, or if an instrument of release signed by the Trustee is required releasing the Mortgagor from liability on the Mortgage Loan, the Master Servicer is authorized, subject to the requirements of the sentence next following, to execute and deliver, on behalf of the Trustee, the assumption agreement with the Person to whom the Mortgaged Property is to be conveyed and such modification agreement or supplement to the Mortgage Note or Mortgage or other instruments as are reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage or otherwise to comply with any applicable laws regarding assumptions or the transfer of the Mortgaged Property to such Person; provided, however, none of such terms and requirements shall either (i) both (A) constitute a "significant modification" effecting an exchange or reissuance of such Mortgage Loan under the REMIC Provisions and (B) cause any portion of any REMIC formed under the Series Supplement to fail to qualify as a REMIC under the Code or (subject to Section 10.01(f)), result in the imposition of any tax on "prohibited transactions" or (ii) constitute "contributions" after the start-up date under the REMIC Provisions. The Master Servicer shall execute and deliver such documents only if it reasonably determines that (i) its execution and delivery thereof will not conflict with or violate any terms of this Agreement or cause the unpaid balance and interest on the Mortgage Loan to be uncollectible in whole or in part, (ii) any required consents of insurers under any Required Insurance Policies have been obtained and (iii) subsequent to the closing of the transaction involving the assumption or transfer (A) the Mortgage Loan will continue to be secured by a first mortgage lien pursuant to the terms of the Mortgage, (B) such transaction will not adversely affect the coverage under any Required Insurance Policies, (C) the Mortgage Loan will fully amortize over the remaining term thereof, (D) no material term of the Mortgage Loan (including the interest rate on the Mortgage Loan) will be altered nor will the term of the Mortgage Loan be changed and (E) if the seller/transferor of the Mortgaged Property is to be released from liability on the Mortgage Loan, such release will not (based on the Master Servicer's or Subservicer's good faith determination) adversely affect the collectability of the Mortgage Loan. Upon receipt of appropriate instructions from the Master Servicer in accordance with the foregoing, the Trustee shall execute any necessary instruments for such assumption or substitution of liability as directed in writing by the Master Servicer. Upon the closing of the transactions contemplated by such documents, the Master Servicer shall cause the originals or true and correct copies of the assumption agreement, the release (if any), or the modification or supplement to the Mortgage Note or Mortgage to be delivered to the Trustee or the Custodian and deposited with the Mortgage File for such Mortgage Loan. Any fee collected by the Master Servicer or such related Subservicer for entering into an assumption or 59 substitution of liability agreement will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (c) The Master Servicer or the related Subservicer, as the case may be, shall be entitled to approve a request from a Mortgagor for a partial release of the related Mortgaged Property, the granting of an easement thereon in favor of another Person, any alteration or demolition of the related Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) without any right of reimbursement or other similar matters if it has determined, exercising its good faith business judgment in the same manner as it would if it were the owner of the related Mortgage Loan, that the security for, and the timely and full collectability of, such Mortgage Loan would not be adversely affected thereby and that any portion of any REMIC formed under the Series Supplement would not fail to continue to qualify as a REMIC under the Code as a result thereof and (subject to Section 10.01(f)) that no tax on "prohibited transactions" or "contributions" after the startup day would be imposed on any such REMIC as a result thereof. Any fee collected by the Master Servicer or the related Subservicer for processing such a request will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (d) Subject to any other applicable terms and conditions of this Agreement, the Trustee and Master Servicer shall be entitled to approve an assignment in lieu of satisfaction with respect to any Mortgage Loan, provided the obligee with respect to such Mortgage Loan following such proposed assignment provides the Trustee and Master Servicer with a "Lender Certification for Assignment of Mortgage Loan" in the form attached hereto as Exhibit M, in form and substance satisfactory to the Trustee and Master Servicer, providing the following: (i) that the substance of the assignment is, and is intended to be, a refinancing of such Mortgage; (ii) that the Mortgage Loan following the proposed assignment will have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iii) that such assignment is at the request of the borrower under the related Mortgage Loan. Upon approval of an assignment in lieu of satisfaction with respect to any Mortgage Loan, the Master Servicer shall receive cash in an amount equal to the unpaid principal balance of and accrued interest on such Mortgage Loan and the Master Servicer shall treat such amount as a Principal Prepayment in Full with respect to such Mortgage Loan for all purposes hereof. Section 3.14. Realization Upon Defaulted Mortgage Loans. (a) The Master Servicer shall foreclose upon or otherwise comparably convert (which may include an REO Acquisition) the ownership of properties securing such of the Mortgage Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07. Alternatively, the Master Servicer may take other actions in respect of a defaulted Mortgage Loan, which may include (i) accepting a short sale (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate a sale of the Mortgaged Property by the Mortgagor) or permitting a short refinancing (a payoff of the Mortgage Loan for an amount less than the total amount contractually owed in order to facilitate refinancing transactions by the Mortgagor not involving a sale of the Mortgaged Property), (ii) arranging for a repayment plan or (iii) agreeing to a modification in accordance with Section 3.07. In connection with 60 such foreclosure or other conversion, the Master Servicer shall, consistent with Section 3.11, follow such practices and procedures as it shall deem necessary or advisable, as shall be normal and usual in its general mortgage servicing activities and as shall be required or permitted by the Program Guide; provided that the Master Servicer shall not be liable in any respect hereunder if the Master Servicer is acting in connection with any such foreclosure or other conversion in a manner that is consistent with the provisions of this Agreement. The Master Servicer, however, shall not be required to expend its own funds or incur other reimbursable charges in connection with any foreclosure, or attempted foreclosure which is not completed, or towards the restoration of any property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one or more Classes after reimbursement to itself for such expenses or charges and (ii) that such expenses or charges will be recoverable to it through Liquidation Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have priority for purposes of withdrawals from the Custodial Account pursuant to Section 3.10, whether or not such expenses and charges are actually recoverable from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the event of such a determination by the Master Servicer pursuant to this Section 3.14(a), the Master Servicer shall be entitled to reimbursement of such amounts pursuant to Section 3.10. In addition to the foregoing, the Master Servicer shall use its best reasonable efforts to realize upon any Additional Collateral for such of the Additional Collateral Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Additional Collateral as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Additional Collateral in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Additional Collateral against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Additional Collateral (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Additional Collateral) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Additional Collateral shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. For so long as the Master Servicer is the Master Servicer under the Credit Support Pledge Agreement, the Master Servicer shall perform its obligations under the Credit Support Pledge Agreement in accordance with such Agreement and in a manner that is in the best interests of the Certificateholders. Further, the Master Servicer shall use its best reasonable efforts to realize upon any Pledged Assets for such of the Pledged Asset Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Pledged Assets as a result of or in lieu of 61 the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Pledged Assets in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Pledged Assets against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Pledged Assets (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Pledged Assets) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Pledged Assets shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. Concurrently with the foregoing, the Master Servicer may pursue any remedies that may be available in connection with a breach of a representation and warranty with respect to any such Mortgage Loan in accordance with Sections 2.03 and 2.04. However, the Master Servicer is not required to continue to pursue both foreclosure (or similar remedies) with respect to the Mortgage Loans and remedies in connection with a breach of a representation and warranty if the Master Servicer determines in its reasonable discretion that one such remedy is more likely to result in a greater recovery as to the Mortgage Loan. Upon the occurrence of a Cash Liquidation or REO Disposition, following the deposit in the Custodial Account of all Insurance Proceeds, Liquidation Proceeds and other payments and recoveries referred to in the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Master Servicer or its designee, as the case may be, the related Mortgage Loan, and thereafter such Mortgage Loan shall not be part of the Trust Fund. Notwithstanding the foregoing or any other provision of this Agreement, in the Master Servicer's sole discretion with respect to any defaulted Mortgage Loan or REO Property as to either of the following provisions, (i) a Cash Liquidation or REO Disposition may be deemed to have occurred if substantially all amounts expected by the Master Servicer to be received in connection with the related defaulted Mortgage Loan or REO Property have been received, and (ii) for purposes of determining the amount of any Liquidation Proceeds, Insurance Proceeds, REO Proceeds or any other unscheduled collections or the amount of any Realized Loss, the Master Servicer may take into account minimal amounts of additional receipts expected to be received or any estimated additional liquidation expenses expected to be incurred in connection with the related defaulted Mortgage Loan or REO Property. (b) If title to any Mortgaged Property is acquired by the Trust Fund as an REO Property by foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Trustee or to its nominee on behalf of Certificateholders. Notwithstanding any such acquisition of title and cancellation of the related Mortgage Loan, such REO Property shall (except as otherwise expressly provided herein) be considered to be an Outstanding Mortgage 62 Loan held in the Trust Fund until such time as the REO Property shall be sold. Consistent with the foregoing for purposes of all calculations hereunder so long as such REO Property shall be considered to be an Outstanding Mortgage Loan it shall be assumed that, notwithstanding that the indebtedness evidenced by the related Mortgage Note shall have been discharged, such Mortgage Note and the related amortization schedule in effect at the time of any such acquisition of title (after giving effect to any previous Curtailments and before any adjustment thereto by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period) remain in effect. (c) If the Trust Fund acquires any REO Property as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Master Servicer on behalf of the Trust Fund shall dispose of such REO Property as soon as practicable, giving due consideration to the interests of the Certificateholders, but in all cases within three full years after the taxable year of its acquisition by the Trust Fund for purposes of Section 860G(a)(8) of the Code (or such shorter period as may be necessary under applicable state (including any state in which such property is located) law to maintain the status of any portion of any REMIC formed under the Series Supplement as a REMIC under applicable state law and avoid taxes resulting from such property failing to be foreclosure property under applicable state law) or, at the expense of the Trust Fund, request, more than 60 days before the day on which such grace period would otherwise expire, an extension of such grace period unless the Master Servicer (subject to Section 10.01(f)) obtains for the Trustee an Opinion of Counsel, addressed to the Trustee and the Master Servicer, to the effect that the holding by the Trust Fund of such REO Property subsequent to such period will not result in the imposition of taxes on "prohibited transactions" as defined in Section 860F of the Code or cause any REMIC formed under the Series Supplement to fail to qualify as a REMIC (for federal (or any applicable State or local) income tax purposes) at any time that any Certificates are outstanding, in which case the Trust Fund may continue to hold such REO Property (subject to any conditions contained in such Opinion of Counsel). The Master Servicer shall be entitled to be reimbursed from the Custodial Account for any costs incurred in obtaining such Opinion of Counsel, as provided in Section 3.10. Notwithstanding any other provision of this Agreement, no REO Property acquired by the Trust Fund shall be rented (or allowed to continue to be rented) or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant to any terms that would (i) cause such REO Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject the Trust Fund to the imposition of any federal income taxes on the income earned from such REO Property, including any taxes imposed by reason of Section 860G(c) of the Code, unless the Master Servicer has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any such taxes. (d) The proceeds of any Cash Liquidation, REO Disposition or purchase or repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well as any recovery resulting from a collection of Liquidation Proceeds, Insurance Proceeds or REO Proceeds, will be applied in the following order of priority: first, to reimburse the Master Servicer or the related Subservicer in accordance with Section 3.10(a)(ii); second, to the Certificateholders to the extent of accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed Interest, at the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date on which such amounts are to be distributed; third, to the Certificateholders as a recovery of principal on the Mortgage Loan (or REO Property); fourth, to all 63 Servicing Fees and Subservicing Fees payable therefrom (and the Master Servicer and the Subservicer shall have no claims for any deficiencies with respect to such fees which result from the foregoing allocation); and fifth, to Foreclosure Profits. (e) In the event of a default on a Mortgage Loan one or more of whose obligors is not a United States Person, in connection with any foreclosure or acquisition of a deed in lieu of foreclosure (together, "foreclosure") in respect of such Mortgage Loan, the Master Servicer will cause compliance with the provisions of Treasury Regulation Section 1.1445-2(d)(3) (or any successor thereto) necessary to assure that no withholding tax obligation arises with respect to the proceeds of such foreclosure except to the extent, if any, that proceeds of such foreclosure are required to be remitted to the obligors on such Mortgage Loan. Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Trustee (if it holds the related Mortgage File) or the Custodian by a certification of a Servicing Officer (which certification shall include a statement to the effect that all amounts received or to be received in connection with such payment which are required to be deposited in the Custodial Account pursuant to Section 3.07 have been or will be so deposited), substantially in one of the forms attached hereto as Exhibit F, or, in the case of the Custodian, an electronic request in a form acceptable to the Custodian, requesting delivery to it of the Mortgage File. Within two Business Days of receipt of such certification and request, the Trustee shall release, or cause the Custodian to release, the related Mortgage File to the Master Servicer. The Master Servicer is authorized to execute and deliver to the Mortgagor the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, together with the Mortgage Note with, as appropriate, written evidence of cancellation thereon and to cause the removal from the registration on the MERS(R) System of such Mortgage and to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of satisfaction or cancellation or of partial or full release. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Custodial Account or the Certificate Account. (b) From time to time as is appropriate for the servicing or foreclosure of any Mortgage Loan, the Master Servicer shall deliver to the Custodian, with a copy to the Trustee, a certificate of a Servicing Officer substantially in one of the forms attached as Exhibit F hereto, or, in the case of the Custodian, an electronic request in a form acceptable to the Custodian, requesting that possession of all, or any document constituting part of, the Mortgage File be released to the Master Servicer and certifying as to the reason for such release and that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan under any Required Insurance Policy. Upon receipt of the foregoing, the Trustee shall deliver, or cause the Custodian to deliver, the Mortgage File or any document therein to the Master Servicer. The Master Servicer shall cause each Mortgage File or any document therein so released to be returned to the Trustee, or the Custodian as agent for the Trustee when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage 64 Loan have been deposited in the Custodial Account or (ii) the Mortgage File or such document has been delivered directly or through a Subservicer to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered directly or through a Subservicer to the Trustee a certificate of a Servicing Officer certifying as to the name and address of the Person to which such Mortgage File or such document was delivered and the purpose or purposes of such delivery. In the event of the liquidation of a Mortgage Loan, the Trustee shall deliver the Request for Release with respect thereto to the Master Servicer upon deposit of the related Liquidation Proceeds in the Custodial Account. (c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and deliver to the Master Servicer, if necessary, any court pleadings, requests for trustee's sale or other documents necessary to the foreclosure or trustee's sale in respect of a Mortgaged Property or to any legal action brought to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage or to obtain a deficiency judgment, or to enforce any other remedies or rights provided by the Mortgage Note or Mortgage or otherwise available at law or in equity. Together with such documents or pleadings (if signed by the Trustee), the Master Servicer shall deliver to the Trustee a certificate of a Servicing Officer requesting that such pleadings or documents be executed by the Trustee and certifying as to the reason such documents or pleadings are required and that the execution and delivery thereof by the Trustee will not invalidate any insurance coverage under any Required Insurance Policy or invalidate or otherwise affect the lien of the Mortgage, except for the termination of such a lien upon completion of the foreclosure or trustee's sale. Section 3.16. Servicing and Other Compensation; Compensating Interest. (a) The Master Servicer, as compensation for its activities hereunder, shall be entitled to receive on each Distribution Date the amounts provided for by clauses (iii), (iv), (v) and (vi) of Section 3.10(a), subject to clause (e) below. The amount of servicing compensation provided for in such clauses shall be accounted for on a Mortgage Loan-by-Mortgage Loan basis. In the event that Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of a Cash Liquidation or REO Disposition exceed the unpaid principal balance of such Mortgage Loan plus unpaid interest accrued thereon (including REO Imputed Interest) at a per annum rate equal to the related Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), the Master Servicer shall be entitled to retain therefrom and to pay to itself and/or the related Subservicer, any Foreclosure Profits and any Servicing Fee or Subservicing Fee considered to be accrued but unpaid. (b) Additional servicing compensation in the form of prepayment charges, assumption fees, late payment charges, investment income on amounts in the Custodial Account or the Certificate Account or otherwise shall be retained by the Master Servicer or the Subservicer to the extent provided herein, subject to clause (e) below. (c) The Master Servicer shall be required to pay, or cause to be paid, all expenses incurred by it in connection with its servicing activities hereunder (including payment of premiums for the Primary Insurance Policies, if any, to 65 the extent such premiums are not required to be paid by the related Mortgagors, and the fees and expenses of the Trustee and any Custodian) and shall not be entitled to reimbursement therefor except as specifically provided in Sections 3.10 and 3.14. (d) The Master Servicer's right to receive servicing compensation may not be transferred in whole or in part except in connection with the transfer of all of its responsibilities and obligations of the Master Servicer under this Agreement. (e) Notwithstanding any other provision herein, the amount of servicing compensation that the Master Servicer shall be entitled to receive for its activities hereunder for the period ending on each Distribution Date shall be reduced (but not below zero) by an amount equal to Compensating Interest (if any) for such Distribution Date. Such reduction shall be applied during such period as follows: first, to any Servicing Fee or Subservicing Fee to which the Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any income or gain realized from any investment of funds held in the Custodial Account or the Certificate Account to which the Master Servicer is entitled pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction, the Master Servicer (i) will not withdraw from the Custodial Account any such amount representing all or a portion of the Servicing Fee to which it is entitled pursuant to Section 3.10(a)(iii), and (ii) will not withdraw from the Custodial Account or Certificate Account any such amount to which it is entitled pursuant to Section 3.07(c) or 4.01(b). Section 3.17. Reports to the Trustee and the Company. Not later than fifteen days after each Distribution Date, the Master Servicer shall forward to the Trustee and the Company a statement, certified by a Servicing Officer, setting forth the status of the Custodial Account as of the close of business on such Distribution Date as it relates to the Mortgage Loans and showing, for the period covered by such statement, the aggregate of deposits in or withdrawals from the Custodial Account in respect of the Mortgage Loans for each category of deposit specified in Section 3.07 and each category of withdrawal specified in Section 3.10. Section 3.18. Annual Statement as to Compliance. The Master Servicer will deliver to the Company and the Trustee on or before the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date or (b) with respect to any calendar year during which the Company's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the date on which the annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, an Officers' Certificate stating, as to each signer thereof, that (i) a review of the activities of the Master Servicer during the preceding calendar year related to its servicing of mortgage loans and its performance under pooling and servicing agreements, including this Agreement, has been made under such officers' supervision, (ii) to the best of such officers' knowledge, based on such review, the Master Servicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations relating to this Agreement in all material respects 66 throughout such year, or, if there has been material noncompliance with such servicing standards or a default in the fulfillment in all material respects of any such obligation relating to this Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof and (iii) to the best of such officers' knowledge, each Subservicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations under its Subservicing Agreement in all material respects throughout such year, or, if there has been material noncompliance with such servicing standards or a material default in the fulfillment of such obligations relating to this Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof. Section 3.19. Annual Independent Public Accountants' Servicing Report. On or before the earlier of (a) March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, or (b) with respect to any calendar year during which the Company's annual report on Form 10-K is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the date on which the annual report is required to be filed in accordance with the Exchange Act and the rules and regulations of the Commission, the Master Servicer at its expense shall cause a firm of independent public accountants, which shall be members of the American Institute of Certified Public Accountants, to furnish a report to the Company and the Trustee stating its opinion that, on the basis of an examination conducted by such firm substantially in accordance with standards established by the American Institute of Certified Public Accountants, the assertions made pursuant to Section 3.18 regarding compliance with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers during the preceding calendar year are fairly stated in all material respects, subject to such exceptions and other qualifications that, in the opinion of such firm, such accounting standards require it to report. In rendering such statement, such firm may rely, as to matters relating to the direct servicing of mortgage loans by Subservicers, upon comparable statements for examinations conducted by independent public accountants substantially in accordance with standards established by the American Institute of Certified Public Accountants (rendered within one year of such statement) with respect to such Subservicers. Section 3.20. Rights of the Company in Respect of the Master Servicer. The Master Servicer shall afford the Company, upon reasonable notice, during normal business hours access to all records maintained by the Master Servicer in respect of its rights and obligations hereunder and access to officers of the Master Servicer responsible for such obligations. Upon request, the Master Servicer shall furnish the Company with its most recent financial statements and such other information as the Master Servicer possesses regarding its business, affairs, property and condition, financial or otherwise. The Master Servicer shall also cooperate with all reasonable requests for information including, but not limited to, notices, tapes and copies of files, regarding itself, the Mortgage Loans or the Certificates from any Person or Persons identified by the Company or Residential Funding. The Company may, but is not obligated to, enforce the obligations of the Master Servicer hereunder and may, but is not obligated to, perform, or cause a designee to perform, any 67 defaulted obligation of the Master Servicer hereunder or exercise the rights of the Master Servicer hereunder; provided that the Master Servicer shall not be relieved of any of its obligations hereunder by virtue of such performance by the Company or its designee. The Company shall not have any responsibility or liability for any action or failure to act by the Master Servicer and is not obligated to supervise the performance of the Master Servicer under this Agreement or otherwise. Section 3.21. Administration of Buydown Funds (a) With respect to any Buydown Mortgage Loan, the Subservicer has deposited Buydown Funds in an account that satisfies the requirements for a Subservicing Account (the "Buydown Account"). The Master Servicer shall cause the Subservicing Agreement to require that upon receipt from the Mortgagor of the amount due on a Due Date for each Buydown Mortgage Loan, the Subservicer will withdraw from the Buydown Account the predetermined amount that, when added to the amount due on such date from the Mortgagor, equals the full Monthly Payment and transmit that amount in accordance with the terms of the Subservicing Agreement to the Master Servicer together with the related payment made by the Mortgagor or advanced by the Subservicer. (b) If the Mortgagor on a Buydown Mortgage Loan prepays such loan in its entirety during the period (the "Buydown Period") when Buydown Funds are required to be applied to such Buydown Mortgage Loan, the Subservicer shall be required to withdraw from the Buydown Account and remit any Buydown Funds remaining in the Buydown Account in accordance with the related buydown agreement. The amount of Buydown Funds which may be remitted in accordance with the related buydown agreement may reduce the amount required to be paid by the Mortgagor to fully prepay the related Mortgage Loan. If the Mortgagor on a Buydown Mortgage Loan defaults on such Mortgage Loan during the Buydown Period and the property securing such Buydown Mortgage Loan is sold in the liquidation thereof (either by the Master Servicer or the insurer under any related Primary Insurance Policy), the Subservicer shall be required to withdraw from the Buydown Account the Buydown Funds for such Buydown Mortgage Loan still held in the Buydown Account and remit the same to the Master Servicer in accordance with the terms of the Subservicing Agreement for deposit in the Custodial Account or, if instructed by the Master Servicer, pay to the insurer under any related Primary Insurance Policy if the Mortgaged Property is transferred to such insurer and such insurer pays all of the loss incurred in respect of such default. Any amount so remitted pursuant to the preceding sentence will be deemed to reduce the amount owed on the Mortgage Loan. 68 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (a) The Master Servicer on behalf of the Trustee shall establish and maintain a Certificate Account in which the Master Servicer shall cause to be deposited on behalf of the Trustee on or before 2:00 P.M. New York time on each Certificate Account Deposit Date by wire transfer of immediately available funds an amount equal to the sum of (i) any Advance for the immediately succeeding Distribution Date, (ii) any amount required to be deposited in the Certificate Account pursuant to Section 3.12(a), (iii) any amount required to be deposited in the Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount required to be paid pursuant to Section 9.01 and (v) all other amounts constituting the Available Distribution Amount for the immediately succeeding Distribution Date. (b) The Trustee shall, upon written request from the Master Servicer, invest or cause the institution maintaining the Certificate Account to invest the funds in the Certificate Account in Permitted Investments designated in the name of the Trustee for the benefit of the Certificateholders, which shall mature or be payable on demand not later than the Business Day next preceding the Distribution Date next following the date of such investment (except that (i) any investment in the institution with which the Certificate Account is maintained may mature or be payable on demand on such Distribution Date and (ii) any other investment may mature or be payable on demand on such Distribution Date if the Trustee shall advance funds on such Distribution Date to the Certificate Account in the amount payable on such investment on such Distribution Date, pending receipt thereof to the extent necessary to make distributions on the Certificates) and shall not be sold or disposed of prior to maturity. Subject to Section 3.16(e), all income and gain realized from any such investment shall be for the benefit of the Master Servicer and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments shall be deposited in the Certificate Account by the Master Servicer out of its own funds immediately as realized without any right of reimbursement. The Trustee or its Affiliates are permitted to receive compensation that could be deemed to be in the Trustee's economic self-interest for (i) serving as investment adviser (with respect to investments made through its Affiliates), administrator, shareholder servicing agent, custodian or sub-custodian with respect to certain of the Permitted Investments, (ii) using Affiliates to effect transactions in certain Permitted Investments and (iii) effecting transactions in certain Permitted Investments. Section 4.02. Distributions. As provided in Section 4.02 of the Series Supplement. Section 4.03. Statements to Certificateholders; Statements to Rating Agencies; Exchange Act Reporting. (a) Concurrently with each distribution charged to the Certificate Account and with respect to each Distribution Date the Master Servicer shall forward to the Trustee and the Trustee shall either forward by 69 mail or make available to each Holder and the Company, via the Trustee's internet website, a statement (and at its option, any additional files containing the same information in an alternative format) setting forth information as to each Class of Certificates, the Mortgage Pool and, if the Mortgage Pool is comprised of two or more Loan Groups, each Loan Group, to the extent applicable. This statement will include the information set forth in an exhibit to the Series Supplement. Such exhibit shall set forth the Trustee's internet website address together with a phone number. The Trustee shall mail to each Holder that requests a paper copy by telephone a paper copy via first class mail. The Trustee may modify the distribution procedures set forth in this Section provided that such procedures are no less convenient for the Certificateholders. The Trustee shall provide prior notification to the Company, the Master Servicer and the Certificateholders regarding any such modification. In addition, the Master Servicer shall provide to any manager of a trust fund consisting of some or all of the Certificates, upon reasonable request, such additional information as is reasonably obtainable by the Master Servicer at no additional expense to the Master Servicer. Also, at the request of a Rating Agency, the Master Servicer shall provide the information relating to the Reportable Modified Mortgage Loans substantially in the form attached hereto as Exhibit Q to such Rating Agency within a reasonable period of time; provided, however, that the Master Servicer shall not be required to provide such information more than four times in a calendar year to any Rating Agency. (b) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Certificate, other than a Class R Certificate, a statement containing the information set forth in clauses (i) and (ii) of the exhibit to the Series Supplement referred to in subsection (a) above aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Master Servicer 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. (c) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Class R Certificate, a statement containing the applicable distribution information provided pursuant to this Section 4.03 aggregated for such calendar year or applicable portion thereof during which such Person was the Holder of a Class R Certificate. 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. (d) Upon the written request of any Certificateholder, the Master Servicer, as soon as reasonably practicable, shall provide the requesting Certificateholder with such information as is necessary and appropriate, in the Master Servicer's sole discretion, for purposes of satisfying applicable reporting requirements under Rule 144A. (e) The Master Servicer shall, on behalf of the Depositor and in respect of the Trust Fund, sign and cause to be filed with the Commission any periodic reports required to be filed under the provisions of the Exchange Act, 70 and the rules and regulations of the Commission thereunder. In connection with the preparation and filing of such periodic reports, the Trustee shall timely provide to the Master Servicer (I) a list of Certificateholders as shown on the Certificate Register as of the end of each calendar year, (II) copies of all pleadings, other legal process and any other documents relating to any claims, charges or complaints involving the Trustee, as trustee hereunder, or the Trust Fund that are received by the Trustee, (III) notice of all matters that, to the actual knowledge of a Responsible Officer of the Trustee, have been submitted to a vote of the Certificateholders, other than those matters that have been submitted to a vote of the Certificateholders at the request of the Depositor or the Master Servicer, and (IV) notice of any failure of the Trustee to make any distribution to the Certificateholders as required pursuant to the Series Supplement. Neither the Master Servicer nor the Trustee shall have any liability with respect to the Master Servicer's failure to properly prepare or file such periodic reports resulting from or relating to the Master Servicer's inability or failure to obtain any information not resulting from the Master Servicer's own negligence or willful misconduct. Any Form 10-K filed with the Commission in connection with this Section 4.03(e) shall include a certification, signed by the senior officer in charge of the servicing functions of the Master Servicer, in the form attached as Exhibit O hereto or such other form as may be required or permitted by the Commission (the "Form 10-K Certification"), in compliance with Rules 13a-14 and 15d-14 under the Exchange Act and any additional directives of the Commission. In connection with the Form 10-K Certification, the Trustee shall provide the Master Servicer with a back-up certification substantially in the form attached hereto as Exhibit P. This Section 4.03(e) may be amended in accordance with this Agreement without the consent of the Certificateholders. Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (a) Prior to the close of business on the Determination Date, the Master Servicer shall furnish a written statement to the Trustee, any Certificate Insurer, any Paying Agent and the Company (the information in such statement to be made available to Certificateholders by the Master Servicer on request) setting forth (i) the Available Distribution Amount and (ii) the amounts required to be withdrawn from the Custodial Account and deposited into the Certificate Account on the immediately succeeding Certificate Account Deposit Date pursuant to clause (iii) of Section 4.01(a). The determination by the Master Servicer of such amounts shall, in the absence of obvious error, be presumptively deemed to be correct for all purposes hereunder and the Trustee shall be protected in relying upon the same without any independent check or verification. (b) On or before 2:00 P.M. New York time on each Certificate Account Deposit Date, the Master Servicer shall either (i) deposit in the Certificate Account from its own funds, or funds received therefor from the Subservicers, an amount equal to the Advances to be made by the Master Servicer in respect of the related Distribution Date, which shall be in an aggregate amount equal to the aggregate amount of Monthly Payments (with each interest portion thereof adjusted to the Net Mortgage Rate), less the amount of any related Servicing Modifications, Debt Service Reductions or reductions in the amount of interest collectable from the Mortgagor pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940, as amended, or similar legislation or regulations then in effect, on the Outstanding Mortgage Loans as of the related Due Date, which 71 Monthly Payments were not received as of the close of business as of the related Determination Date; provided that no Advance shall be made if it would be a Nonrecoverable Advance, (ii) withdraw from amounts on deposit in the Custodial Account and deposit in the Certificate Account all or a portion of the Amount Held for Future Distribution in discharge of any such Advance, or (iii) make advances in the form of any combination of (i) and (ii) aggregating the amount of such Advance. Any portion of the Amount Held for Future Distribution so used shall be replaced by the Master Servicer by deposit in the Certificate Account on or before 11:00 A.M. New York time on any future Certificate Account Deposit Date to the extent that funds attributable to the Mortgage Loans that are available in the Custodial Account for deposit in the Certificate Account on such Certificate Account Deposit Date shall be less than payments to Certificateholders required to be made on the following Distribution Date. The Master Servicer shall be entitled to use any Advance made by a Subservicer as described in Section 3.07(b) that has been deposited in the Custodial Account on or before such Distribution Date as part of the Advance made by the Master Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant to Section 4.02(a) in respect of outstanding Advances on any Distribution Date shall be allocated to specific Monthly Payments due but delinquent for previous Due Periods, which allocation shall be made, to the extent practicable, to Monthly Payments which have been delinquent for the longest period of time. Such allocations shall be conclusive for purposes of reimbursement to the Master Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10. The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by an Officers' Certificate of the Master Servicer delivered to the Company and the Trustee. If the Master Servicer determines as of the Business Day preceding any Certificate Account Deposit Date that it will be unable to deposit in the Certificate Account an amount equal to the Advance required to be made for the immediately succeeding Distribution Date, it shall give notice to the Trustee of its inability to advance (such notice may be given by telecopy), not later than 3:00 P.M., New York time, on such Business Day, specifying the portion of such amount that it will be unable to deposit. Not later than 3:00 P.M., New York time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00 Noon, New York time, on such day the Trustee shall have been notified in writing (by telecopy) that the Master Servicer shall have directly or indirectly deposited in the Certificate Account such portion of the amount of the Advance as to which the Master Servicer shall have given notice pursuant to the preceding sentence, pursuant to Section 7.01, (a) terminate all of the rights and obligations of the Master Servicer under this Agreement in accordance with Section 7.01 and (b) assume the rights and obligations of the Master Servicer hereunder, including the obligation to deposit in the Certificate Account an amount equal to the Advance for the immediately succeeding Distribution Date. The Trustee shall deposit all funds it receives pursuant to this Section 4.04 into the Certificate Account. 72 Section 4.05. Allocation of Realized Losses. As provided in Section 4.05 of the Series Supplement. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. The Master Servicer or the Subservicers shall file information returns with respect to the receipt of mortgage interests received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P, respectively, of the Code, and deliver to the Trustee an Officers' Certificate on or before March 31 of each year stating that such reports have been filed. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by Sections 6050H, 6050J and 6050P of the Code. Section 4.07. Optional Purchase of Defaulted Mortgage Loans. As to any Mortgage Loan which is delinquent in payment by 90 days or more, the Master Servicer may, at its option, purchase such Mortgage Loan from the Trustee at the Purchase Price therefor. If at any time the Master Servicer makes a payment to the Certificate Account covering the amount of the Purchase Price for such a Mortgage Loan, and the Master Servicer provides to the Trustee a certification signed by a Servicing Officer stating that the amount of such payment has been deposited in the Certificate Account, then the Trustee shall execute the assignment of such Mortgage Loan at the request of the Master Servicer without recourse to the Master Servicer, which shall succeed to all the Trustee's right, title and interest in and to such Mortgage Loan, and all security and documents relative thereto. Such assignment shall be an assignment outright and not for security. The Master Servicer will thereupon own such Mortgage, and all such security and documents, free of any further obligation to the Trustee or the Certificateholders with respect thereto. If, however, the Master Servicer shall have exercised its right to repurchase a Mortgage Loan pursuant to this Section 4.07 upon the written request of and with funds provided by the Junior Certificateholder and thereupon transferred such Mortgage Loan to the Junior Certificateholder, the Master Servicer shall so notify the Trustee in writing. Section 4.08. Surety Bond. (a) If a Required Surety Payment is payable pursuant to the Surety Bond with respect to any Additional Collateral Loan, the Master Servicer shall so notify the Trustee as soon as reasonably practicable and the Trustee shall promptly complete the notice in the form of Attachment 1 to the Surety Bond and shall promptly submit such notice to the Surety as a claim for a Required Surety. The Master Servicer shall upon request assist the Trustee in completing such notice and shall provide any information requested by the Trustee in connection therewith. (b) Upon receipt of a Required Surety Payment from the Surety on behalf of the Holders of Certificates, the Trustee shall deposit such Required Surety Payment in the Certificate Account and shall distribute such Required Surety Payment, or the proceeds thereof, in accordance with the provisions of Section 4.02. 73 (c) The Trustee shall (i) receive as attorney-in-fact of each Holder of a Certificate any Required Surety Payment from the Surety and (ii) disburse the same to the Holders of such Certificates as set forth in Section 4.02. 74 ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) The Senior, Class M, Class B and Class R Certificates shall be substantially in the forms set forth in Exhibits A, B, C and D, respectively, and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery to or upon the order of the Company upon receipt by the Trustee or one or more Custodians of the documents specified in Section 2.01. The Certificates shall be issuable in the minimum denominations designated in the Preliminary Statement to the Series Supplement. The Certificates shall be executed by manual or facsimile signature on behalf of an authorized officer of the Trustee. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificate or did not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided for herein executed by the Certificate Registrar by manual signature, and such certificate upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. (b) Except as provided below, registration of Book-Entry Certificates may not be transferred by the Trustee except to another Depository that agrees to hold such Certificates for the respective Certificate Owners with Ownership Interests therein. The Holders of the Book-Entry Certificates shall hold their respective Ownership Interests in and to each of such Certificates through the book-entry facilities of the Depository and, except as provided below, shall not be entitled to Definitive Certificates in respect of such Ownership Interests. All transfers by Certificate Owners of their respective Ownership Interests in the Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owner. Each Depository Participant shall transfer the Ownership Interests only in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository's normal procedures. The Trustee, the Master Servicer and the Company may for all purposes (including the making of payments due on the respective Classes of Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the respective Classes of Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the respective Classes of Book-Entry Certificates shall be limited to those established by law and agreements between such Certificate Owners and the Depository Participants and brokerage firms representing such Certificate Owners. Multiple requests and directions from, and votes of, the Depository as Holder of any Class of Book-Entry Certificates with respect to any particular matter shall not be 75 deemed inconsistent if they are made with respect to different Certificate Owners. The Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and shall give notice to the Depository of such record date. If (i)(A) the Company advises the Trustee in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository and (B) the Company is unable to locate a qualified successor or (ii) the Company at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners requesting the same. Upon surrender to the Trustee of the Book-Entry Certificates by the Depository, accompanied by registration instructions from the Depository for registration of transfer, the Trustee shall issue the Definitive Certificates. In addition, if an Event of Default has occurred and is continuing, each Certificate Owner materially adversely affected thereby may at its option request a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in the related Class of Certificates. In order to make such a request, such Certificate Owner shall, subject to the rules and procedures of the Depository, provide the Depository or the related Depository Participant with directions for the Certificate Registrar to exchange or cause the exchange of the Certificate Owner's interest in such Class of Certificates for an equivalent Percentage Interest in fully registered definitive form. Upon receipt by the Certificate Registrar of instructions from the Depository directing the Certificate Registrar to effect such exchange (such instructions shall contain information regarding the Class of Certificates and the Certificate Principal Balance being exchanged, the Depository Participant account to be debited with the decrease, the registered holder of and delivery instructions for the Definitive Certificate, and any other information reasonably required by the Certificate Registrar), (i) the Certificate Registrar shall instruct the Depository to reduce the related Depository Participant's account by the aggregate Certificate Principal Balance of the Definitive Certificate, (ii) the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in accordance with the registration and delivery instructions provided by the Depository, a Definitive Certificate evidencing such Certificate Owner's Percentage Interest in such Class of Certificates and (iii) the Trustee shall execute and the Certificate Registrar shall authenticate a new Book-Entry Certificate reflecting the reduction in the aggregate Certificate Principal Balance of such Class of Certificates by the Certificate Principal Balance of the Definitive Certificate. Neither the Company, the Master Servicer nor the Trustee shall be liable for any actions taken by the Depository or its nominee, including, without limitation, any delay in delivery of any instructions required under Section 5.01 and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates, the Trustee and the Master Servicer shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (c) From time to time Residential Funding, as the initial Holder of the Class A-V Certificates, may exchange such Holder's Class A-V Certificates for Subclasses of Class A-V Certificates to be issued under this Agreement by delivering a "Request for Exchange" substantially in the form attached hereto as Exhibit N executed by an authorized officer, which Subclasses, in the aggregate, will represent the Uncertificated Class A-V REMIC Regular Interests 76 corresponding to the Class A-V Certificates so surrendered for exchange. Any Subclass so issued shall bear a numerical designation commencing with Class A-V-1 and continuing sequentially thereafter, and will evidence ownership of the Uncertificated REMIC Regular Interest or Interests specified in writing by such initial Holder to the Trustee. The Trustee may conclusively, without any independent verification, rely on, and shall be protected in relying on, Residential Funding's determinations of the Uncertificated Class A-V REMIC Regular Interests corresponding to any Subclass, the Initial Notional Amount and the initial Pass-Through Rate on a Subclass as set forth in such Request for Exchange and the Trustee shall have no duty to determine if any Uncertificated Class A-V REMIC Regular Interest designated on a Request for Exchange corresponds to a Subclass which has previously been issued. Each Subclass so issued shall be substantially in the form set forth in Exhibit A and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery in accordance with Section 5.01(a). Every Certificate presented or surrendered for exchange by the initial Holder shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer attached to such Certificate and shall be completed to the satisfaction of the Trustee and the Certificate Registrar duly executed by, the initial Holder thereof or his attorney duly authorized in writing. The Certificates of any Subclass of Class A-V Certificates may be transferred in whole, but not in part, in accordance with the provisions of Section 5.02. Section 5.02. Registration of Transfer and Exchange of Certificates. (a) The Trustee shall cause to be kept at one of the offices or agencies to be appointed by the Trustee in accordance with the provisions of Section 8.12 a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Trustee is initially appointed Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. The Certificate Registrar, or the Trustee, shall provide the Master Servicer with a certified list of Certificateholders as of each Record Date prior to the related Determination Date. (b) Upon surrender for registration of transfer of any Certificate at any office or agency of the Trustee maintained for such purpose pursuant to Section 8.12 and, in the case of any Class M, Class B or Class R Certificate, upon satisfaction of the conditions set forth below, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of a like Class (or Subclass) and aggregate Percentage Interest. (c) At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of a like Class (or Subclass) and aggregate Percentage Interest, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so surrendered for exchange the Trustee shall execute and the Certificate Registrar shall authenticate and deliver the Certificates of such Class which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for transfer or exchange shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by 77 a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing. (d) No transfer, sale, pledge or other disposition of a Class B Certificate shall be made unless such transfer, sale, pledge or other disposition is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that a transfer of a Class B Certificate is to be made either (i)(A) the Trustee shall require a written Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee and the Company 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 Company or the Master Servicer (except that, if such transfer is made by the Company or the Master Servicer or any Affiliate thereof, the Company or the Master Servicer shall provide such Opinion of Counsel at their own expense); provided that such Opinion of Counsel will not be required in connection with the initial transfer of any such Certificate by the Company or any Affiliate thereof to the Company or an Affiliate of the Company and (B) the Trustee shall require the transferee to execute a representation letter, substantially in the form of Exhibit H hereto, and the Trustee shall require the transferor to execute a representation letter, substantially in the form of Exhibit I hereto, each acceptable to and in form and substance satisfactory to the Company and the Trustee certifying to the Company and the Trustee the facts surrounding such transfer, which representation letters shall not be an expense of the Trustee, the Company or the Master Servicer; provided, however, that such representation letters will not be required in connection with any transfer of any such Certificate by the Company or any Affiliate thereof to the Company or an Affiliate of the Company, and the Trustee shall be entitled to conclusively rely upon a representation (which, upon the request of the Trustee, shall be a written representation) from the Company, of the status of such transferee as an Affiliate of the Company or (ii) the prospective transferee of such a Certificate shall be required to provide the Trustee, the Company and the Master Servicer with an investment letter substantially in the form of Exhibit J attached hereto (or such other form as the Company in its sole discretion deems acceptable), which investment letter shall not be an expense of the Trustee, the Company or the Master Servicer, and which investment letter states that, among other things, such transferee (A) is a "qualified institutional buyer" as defined under Rule 144A, acting for its own account or the accounts of other "qualified institutional buyers" as defined under Rule 144A, and (B) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the Securities Act of 1933, as amended, provided by Rule 144A. The Holder of any such Certificate desiring to effect any such transfer, sale, pledge or other disposition shall, and does hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the Certificate Registrar against any liability that may result if the transfer, sale, pledge or other disposition is not so exempt or is not made in accordance with such federal and state laws. (e) (i) In the case of any Class B or Class R Certificate presented for registration in the name of any Person, either (A) the Trustee shall require an Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer to the effect that the purchase or holding of such Class B or Class R Certificate is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under Section 406 78 of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Code (or comparable provisions of any subsequent enactments), and will not subject the Trustee, the Company or the Master Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Trustee, the Company or the Master Servicer or (B) the prospective Transferee shall be required to provide the Trustee, the Company and the Master Servicer with a certification to the effect set forth in paragraph six of Exhibit H (with respect to any Class B Certificate) or paragraph fifteen of Exhibit G-1 (with respect to any Class R Certificate), which the Trustee may rely upon without further inquiry or investigation, or such other certifications as the Trustee may deem desirable or necessary in order to establish that such Transferee or the Person in whose name such registration is requested either (a) is not an employee benefit plan or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code, or any Person (including an investment manager, a named fiduciary or a trustee of any such plan) who is using "plan assets" of any such plan to effect such acquisition (each, a "Plan Investor") or (b) in the case of any Class B Certificate, the following conditions are satisfied: (i) such Transferee is an insurance company, (ii) the source of funds used to purchase or hold such Certificate (or interest therein) is an "insurance company general account" (as defined in U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60, and (iii) the conditions set forth in Sections I and III of PTCE 95-60 have been satisfied (each entity that satisfies this clause (b), a "Complying Insurance Company"). (ii) Any Transferee of a Class M Certificate will be deemed to have represented by virtue of its purchase or holding of such Certificate (or interest therein) that either (a) such Transferee is not a Plan Investor, (b) it has acquired and is holding such Certificate in reliance on Prohibited Transaction Exemption ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE 97-34, 62 Fed. Reg. 39021 (July 21, 1997), PTE 2000-58, 65 Fed. Reg. 67765 (November 13, 2000), and PTE 2002-41, 67 Fed. Reg. 54487 (August 22, 2002) (the "RFC Exemption"), and that it understands that there are certain conditions to the availability of the RFC Exemption including that such Certificate must be rated, at the time of purchase, not lower than "BBB-" (or its equivalent) by Standard & Poor's, Fitch or Moody's or (c) such Transferee is a Complying Insurance Company. (iii) (A) If any Class M Certificate (or any interest therein) is acquired or held by any Person that does not satisfy the conditions described in paragraph (ii) above, then the last preceding Transferee that either (i) is not a Plan Investor, (ii) acquired such Certificate in compliance with the RFC Exemption, or (iii) is a Complying Insurance Company shall be restored, to the extent permitted by law, to all rights and obligations as Certificate Owner thereof retroactive to the date of such Transfer of such Class M Certificate. The Trustee shall be under no liability to any Person for making any payments due on such Certificate to such preceding Transferee. 79 (B) Any purported Certificate Owner whose acquisition or holding of any Class M Certificate (or interest therein) was effected in violation of the restrictions in this Section 5.02(e) shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, the Underwriters and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. (f) (i) Each Person who has or who acquires any Ownership Interest in a Class R Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably authorized the Trustee or its designee under clause (iii)(A) below to deliver payments to a Person other than such Person and to negotiate the terms of any mandatory sale under clause (iii)(B) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale. The rights of each Person acquiring any Ownership Interest in a Class R Certificate are expressly subject to the following provisions: (A) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee. (B) In connection with any proposed Transfer of any Ownership Interest in a Class R Certificate, the Trustee shall require delivery to it, and shall not register the Transfer of any Class R Certificate until its receipt of, (I) an affidavit and agreement (a "Transfer Affidavit and Agreement," in the form attached hereto as Exhibit G-1) from the proposed Transferee, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that it is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Class R Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee, that for so long as it retains its Ownership Interest in a Class R Certificate, it will endeavor to remain a Permitted Transferee, and that it has reviewed the provisions of this Section 5.02(f) and agrees to be bound by them, and (II) a certificate, in the form attached hereto as Exhibit G-2, from the Holder wishing to transfer the Class R Certificate, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that no purpose of the proposed Transfer is to impede the assessment or collection of tax. (C) Notwithstanding the delivery of a Transfer Affidavit and Agreement by a proposed Transferee under clause (B) above, if a Responsible Officer of the Trustee who is assigned to this Agreement has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a Class R Certificate to such proposed Transferee shall be effected. (D) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall agree (x) to require a Transfer Affidavit and Agreement from any other Person to whom such Person attempts to transfer its Ownership Interest in a Class R 80 Certificate and (y) not to transfer its Ownership Interest unless it provides a certificate to the Trustee in the form attached hereto as Exhibit G-2. (E) Each Person holding or acquiring an Ownership Interest in a Class R Certificate, by purchasing an Ownership Interest in such Certificate, agrees to give the Trustee written notice that it is a "pass-through interest holder" within the meaning of Temporary Treasury Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Class R Certificate, if it is, or is holding an Ownership Interest in a Class R Certificate on behalf of, a "pass-through interest holder." (ii) The Trustee will register the Transfer of any Class R Certificate only if it shall have received the Transfer Affidavit and Agreement, a certificate of the Holder requesting such transfer in the form attached hereto as Exhibit G-2 and all of such other documents as shall have been reasonably required by the Trustee as a condition to such registration. Transfers of the Class R Certificates to Non-United States Persons and Disqualified Organizations (as defined in Section 860E(e)(5) of the Code) are prohibited. (iii) (A) If any Disqualified Organization shall become a holder of a Class R Certificate, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a Non-United States Person shall become a holder of a Class R Certificate, then the last preceding United States Person shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a transfer of a Class R Certificate is disregarded pursuant to the provisions of Treasury Regulations Section 1.860E-1 or Section 1.860G-3, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. The Trustee shall be under no liability to any Person for any registration of Transfer of a Class R Certificate that is in fact not permitted by this Section 5.02(f) or for making any payments due on such Certificate to the holder thereof or for taking any other action with respect to such holder under the provisions of this Agreement. (A) If any purported Transferee shall become a Holder of a Class R Certificate in violation of the restrictions in this Section 5.02(f) and to the extent that the retroactive restoration of the rights of the Holder of such Class R Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Master Servicer shall have the right, without notice to the holder or any prior holder of such Class R Certificate, to sell such Class R Certificate to a purchaser selected by the Master Servicer on such terms as the Master Servicer may choose. Such purported Transferee shall promptly endorse and deliver each Class R Certificate in accordance with the instructions of the Master Servicer. Such purchaser may be the Master Servicer itself or any Affiliate of the Master Servicer. The proceeds of such 81 sale, net of the commissions (which may include commissions payable to the Master Servicer or its Affiliates), expenses and taxes due, if any, will be remitted by the Master Servicer to such purported Transferee. The terms and conditions of any sale under this clause (iii)(B) shall be determined in the sole discretion of the Master Servicer, and the Master Servicer shall not be liable to any Person having an Ownership Interest in a Class R Certificate as a result of its exercise of such discretion. (iv) The Master Servicer, on behalf of the Trustee, shall make available, upon written request from the Trustee, all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Class R Certificate to any Person who is a Disqualified Organization, including the information regarding "excess inclusions" of such Class R Certificates required to be provided to the Internal Revenue Service and certain Persons as described in Treasury Regulations Sections 1.860D-1(b)(5) and 1.860E-2(a)(5), and (B) as a result of any regulated investment company, real estate investment trust, common trust fund, partnership, trust, estate or organization described in Section 1381 of the Code that holds an Ownership Interest in a Class R Certificate having as among its record holders at any time any Person who is a Disqualified Organization. Reasonable compensation for providing such information may be required by the Master Servicer from such Person. (v) The provisions of this Section 5.02(f) set forth prior to this clause (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trustee the following: (A) written notification from each Rating Agency to the effect that the modification, addition to or elimination of such provisions will not cause such Rating Agency to downgrade its then-current ratings, if any, of any Class of the Senior, Class M or Class B Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency; and (B) subject to Section 10.01(f), an Officers' Certificate of the Master Servicer stating that the Master Servicer has received an Opinion of Counsel, in form and substance satisfactory to the Master Servicer, to the effect that such modification, addition to or absence of such provisions will not cause any portion of any REMIC formed under the Series Supplement to cease to qualify as a REMIC and will not cause (x) any portion of any REMIC formed under the Series Supplement to be subject to an entity-level tax caused by the Transfer of any Class R Certificate to a Person that is a Disqualified Organization or (y) a Certificateholder or another Person to be subject to a REMIC-related tax caused by the Transfer of a Class R Certificate to a Person that is not a Permitted Transferee. (g) No service charge shall be made for any transfer or exchange of Certificates of any Class, but the Trustee may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates. 82 (h) All Certificates surrendered for transfer and exchange shall be destroyed by the Certificate Registrar. Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Trustee and the Certificate Registrar receive evidence to their satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee and the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor, Class and Percentage Interest but bearing a number not contemporaneously outstanding. Upon the issuance of any new Certificate under this Section, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. Section 5.04. Persons Deemed Owners. Prior to due presentation of a Certificate for registration of transfer, the Company, the Master Servicer, the Trustee, any Certificate Insurer, the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee, any Certificate Insurer or the Certificate Registrar may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.02 and for all other purposes whatsoever, except as and to the extent provided in the definition of "Certificateholder," and neither the Company, the Master Servicer, the Trustee, any Certificate Insurer, the Certificate Registrar nor any agent of the Company, the Master Servicer, the Trustee, any Certificate Insurer or the Certificate Registrar shall be affected by notice to the contrary except as provided in Section 5.02(f). Section 5.05. Appointment of Paying Agent. The Trustee may appoint a Paying Agent for the purpose of making distributions to the Certificateholders pursuant to Section 4.02. In the event of any such appointment, on or prior to each Distribution Date the Master Servicer on behalf of the Trustee shall deposit or cause to be deposited with the Paying Agent a sum sufficient to make the payments to the Certificateholders in the amounts and in the manner provided for in Section 4.02, such sum to be held in trust for the benefit of the Certificateholders. The Trustee shall cause each Paying Agent to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee 83 that such Paying Agent will hold all sums held by it for the payment to the Certificateholders in trust for the benefit of the Certificateholders entitled thereto until such sums shall be paid to such Certificateholders. Any sums so held by such Paying Agent shall be held only in Eligible Accounts to the extent such sums are not distributed to the Certificateholders on the date of receipt by such Paying Agent. Section 5.06. U.S.A. Patriot Act Compliance. In order for it to comply with its duties under the U.S.A. Patriot Act, the Trustee shall obtain and verify certain information from the other parties hereto, including but not limited to such parties' name, address and other identifying information. 84 ARTICLE VI THE COMPANY AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Company and the Master Servicer. The Company and the Master Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically and respectively imposed upon and undertaken by the Company and the Master Servicer herein. By way of illustration and not limitation, the Company is not liable for the servicing and administration of the Mortgage Loans, nor is it obligated by Section 7.01 or Section 10.01 to assume any obligations of the Master Servicer or to appoint a designee to assume such obligations, nor is it liable for any other obligation hereunder that it may, but is not obligated to, assume unless it elects to assume such obligation in accordance herewith. Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer. (a) The Company and the Master Servicer will each keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and will each obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement. (b) Any Person into which the Company or the Master Servicer may be merged or consolidated, or any corporation resulting from any merger or consolidation to which the Company or the Master Servicer shall be a party, or any Person succeeding to the business of the Company or the Master Servicer, shall be the successor of the Company or the Master Servicer, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person to the Master Servicer shall be qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac; and provided further that each Rating Agency's ratings, if any, of the Senior, Class M or Class B Certificates in effect immediately prior to such merger or consolidation will not be qualified, reduced or withdrawn as a result thereof (as evidenced by a letter to such effect from each Rating Agency). (c) Notwithstanding anything else in this Section 6.02 and Section 6.04 to the contrary, the Master Servicer may assign its rights and delegate its duties and obligations under this Agreement; provided that the Person accepting such assignment or delegation shall be a Person which is qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac, is reasonably satisfactory to the Trustee and the Company, is willing to service the Mortgage Loans and executes and delivers to the Company and the Trustee an agreement, in form and substance reasonably satisfactory to the Company and the Trustee, which contains an assumption by such Person of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Master Servicer under this Agreement; provided further that each Rating Agency's rating of the Classes of Certificates that have been rated in effect immediately 85 prior to such assignment and delegation will not be qualified, reduced or withdrawn as a result of such assignment and delegation (as evidenced by a letter to such effect from each Rating Agency). In the case of any such assignment and delegation, the Master Servicer shall be released from its obligations under this Agreement, except that the Master Servicer shall remain liable for all liabilities and obligations incurred by it as Master Servicer hereunder prior to the satisfaction of the conditions to such assignment and delegation set forth in the next preceding sentence. Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others. Neither the Company, the Master Servicer nor any of the directors, officers, employees or agents of the Company or the Master Servicer shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Company, the Master Servicer or any such Person against any breach of warranties or representations made herein or any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer shall be indemnified by the Trust Fund and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than any loss, liability or expense related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder. Neither the Company nor the Master Servicer shall be under any obligation to appear in, prosecute or defend any legal or administrative action, proceeding, hearing or examination that is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Company or the Master Servicer may in its discretion undertake any such action, proceeding, hearing or examination that it may deem necessary or desirable in respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action, proceeding, hearing or examination and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund, and the Company and the Master Servicer shall be entitled to be reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 and, on the Distribution Date(s) following such reimbursement, the aggregate of such expenses and costs shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such expenses and costs constituted a Prepayment Interest Shortfall. 86 Section 6.04. Company and Master Servicer Not to Resign. Subject to the provisions of Section 6.02, neither the Company nor the Master Servicer shall resign from its respective obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law. Any such determination permitting the resignation of the Company or the Master Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation by the Master Servicer shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer's responsibilities and obligations in accordance with Section 7.02. 87 ARTICLE VII DEFAULT Section 7.01. Events of Default. Event of Default, wherever used herein, means any one of the following events (whatever reason for such Event of Default and whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body): (i) the Master Servicer shall fail to distribute or cause to be distributed to the Holders of Certificates of any Class any distribution required to be made under the terms of the Certificates of such Class and this Agreement and, in either case, such failure shall continue unremedied for a period of 5 days after the date upon which written notice of such failure, requiring such failure to be remedied, shall have been given to the Master Servicer by the Trustee or the Company or to the Master Servicer, the Company and the Trustee by the Holders of Certificates of such Class evidencing Percentage Interests aggregating not less than 25%; or (ii) the Master Servicer shall fail to observe or perform in any material respect any other of the covenants or agreements on the part of the Master Servicer contained in the Certificates of any Class or in this Agreement and such failure shall continue unremedied for a period of 30 days (except that such number of days shall be 15 in the case of a failure to pay the premium for any Required Insurance Policy) after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or the Company, or to the Master Servicer, the Company and the Trustee by the Holders of Certificates of any Class evidencing, in the case of any such Class, Percentage Interests aggregating not less than 25%; or (iii) a decree or order of a court or agency or supervisory authority having jurisdiction in the premises in an involuntary case under any present or future federal or state bankruptcy, insolvency or similar law or appointing a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or (iv) the Master Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities, or similar proceedings of, or relating to, the Master Servicer or of, or relating to, all or substantially all of the property of the Master Servicer; or (v) the Master Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of, or commence a voluntary case under, any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or 88 (vi) the Master Servicer shall notify the Trustee pursuant to Section 4.04(b) that it is unable to deposit in the Certificate Account an amount equal to the Advance. If an Event of Default described in clauses (i)-(v) of this Section shall occur, then, and in each and every such case, so long as such Event of Default shall not have been remedied, either the Company or the Trustee may, and at the direction of Holders of Certificates entitled to at least 51% of the Voting Rights, the Trustee shall, by notice in writing to the Master Servicer (and to the Company if given by the Trustee or to the Trustee if given by the Company), terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder. If an Event of Default described in clause (vi) hereof shall occur, the Trustee shall, by notice to the Master Servicer and the Company, immediately terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder as provided in Section 4.04(b). On or after the receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates (other than as a Holder thereof) or the Mortgage Loans or otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or the Trustee's designee appointed pursuant to Section 7.02; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting the termination of the Master Servicer's responsibilities and rights hereunder, including, without limitation, the transfer to the Trustee or its designee for administration by it of all cash amounts which shall at the time be credited to the Custodial Account or the Certificate Account or thereafter be received with respect to the Mortgage Loans. No such termination shall release the Master Servicer for any liability that it would otherwise have hereunder for any act or omission prior to the effective time of such termination. Notwithstanding any termination of the activities of Residential Funding in its capacity as Master Servicer hereunder, Residential Funding shall be entitled to receive, out of any late collection of a Monthly Payment on a Mortgage Loan which was due prior to the notice terminating Residential Funding's rights and obligations as Master Servicer hereunder and received after such notice, that portion to which Residential Funding would have been entitled pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in respect thereof, and any other amounts payable to Residential Funding hereunder the entitlement to which arose prior to the termination of its activities hereunder. Upon the termination of Residential Funding as Master Servicer hereunder the Company shall deliver to the Trustee a copy of the Program Guide. 89 Section 7.02. Trustee or Company to Act; Appointment of Successor. (a) On and after the time the Master Servicer receives a notice of termination pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee or, upon notice to the Company and with the Company's consent (which shall not be unreasonably withheld) a designee (which meets the standards set forth below) of the Trustee, shall be the successor in all respects to the Master Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Master Servicer (except for the responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a), excluding the duty to notify related Subservicers or Sellers as set forth in such Sections, and its obligations to deposit amounts in respect of losses incurred prior to such notice or termination on the investment of funds in the Custodial Account or the Certificate Account pursuant to Sections 3.07(c) and 4.01(b) by the terms and provisions hereof); provided, however, that any failure to perform such duties or responsibilities caused by the preceding Master Servicer's failure to provide information required by Section 4.04 shall not be considered a default by the Trustee hereunder. As compensation therefor, the Trustee shall be entitled to all funds relating to the Mortgage Loans which the Master Servicer would have been entitled to charge to the Custodial Account or the Certificate Account if the Master Servicer had continued to act hereunder and, in addition, shall be entitled to the income from any Permitted Investments made with amounts attributable to the Mortgage Loans held in the Custodial Account or the Certificate Account. If the Trustee has become the successor to the Master Servicer in accordance with Section 6.04 or Section 7.01, then notwithstanding the above, the Trustee may, if it shall be unwilling to so act, or shall, if it is unable to so act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, which is also a Fannie Mae- or Freddie Mac-approved mortgage servicing institution, having a net worth of not less than $10,000,000 as the successor to the Master Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer hereunder. Pending appointment of a successor to the Master Servicer hereunder, the Trustee shall become successor to the Master Servicer and shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the initial Master Servicer hereunder. The Company, the Trustee, the Custodian and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Servicing Fee for any successor Master Servicer appointed pursuant to this Section 7.02 will be lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee accrues at a rate of less than 0.20% per annum in the event that the successor Master Servicer is not servicing such Mortgage Loans directly and it is necessary to raise the related Subservicing Fee to a rate of 0.20% per annum in order to hire a Subservicer with respect to such Mortgage Loans. (b) In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor Master Servicer, including the Trustee if the Trustee is acting as successor Master Servicer, shall represent and warrant that it is a member of MERS in good standing and shall agree to comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS, in which case the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to revise its records to reflect the 90 transfer of servicing to the successor Master Servicer as necessary under MERS' rules and regulations, or (ii) the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to execute and deliver an assignment of Mortgage in recordable form to transfer the Mortgage from MERS to the Trustee and to execute and deliver such other notices, documents and other instruments as may be necessary or desirable to effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan on the MERS(R) System to the successor Master Servicer. The predecessor Master Servicer shall file or cause to be filed any such assignment in the appropriate recording office. The predecessor Master Servicer shall bear any and all fees of MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this subsection (b). The successor Master Servicer shall cause such assignment to be delivered to the Trustee or the Custodian promptly upon receipt of the original with evidence of recording thereon or a copy certified by the public recording office in which such assignment was recorded. Section 7.03. Notification to Certificateholders. (a) Upon any such termination or appointment of a successor to the Master Servicer, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register. (b) Within 60 days after the occurrence of any Event of Default, the Trustee shall transmit by mail to all Holders of Certificates notice of each such Event of Default hereunder known to the Trustee, unless such Event of Default shall have been cured or waived. Section 7.04. Waiver of Events of Default. The Holders representing at least 66% of the Voting Rights affected by a default or Event of Default hereunder may waive such default or Event of Default; provided, however, that (a) a default or Event of Default under clause (i) of Section 7.01 may be waived only by all of the Holders of Certificates affected by such default or Event of Default and (b) no waiver pursuant to this Section 7.04 shall affect the Holders of Certificates in the manner set forth in Section 11.01(b)(i) or (ii). Upon any such waiver of a default or Event of Default by the Holders representing the requisite percentage of Voting Rights affected by such default or Event of Default, such default or Event of Default shall cease to exist and shall be deemed to have been remedied for every purpose hereunder. No such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon except to the extent expressly so waived. 91 ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01. Duties of Trustee. (a) The Trustee, prior to the occurrence of an Event of Default and after the curing or waiver of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred (which has not been cured or waived), the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs. (b) The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement. The Trustee shall notify the Certificateholders of any such documents which do not materially conform to the requirements of this Agreement in the event that the Trustee, after so requesting, does not receive satisfactorily corrected documents. The Trustee shall forward or cause to be forwarded in a timely fashion the notices, reports and statements required to be forwarded by the Trustee pursuant to Sections 4.03, 4.06, 7.03 and 10.01. The Trustee shall furnish in a timely fashion to the Master Servicer such information as the Master Servicer may reasonably request from time to time for the Master Servicer to fulfill its duties as set forth in this Agreement. The Trustee covenants and agrees that it shall perform its obligations hereunder in a manner so as to maintain the status of any portion of any REMIC formed under the Series Supplement as a REMIC under the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition of any federal, state or local income, prohibited transaction, contribution or other tax on the Trust Fund to the extent that maintaining such status and avoiding such taxes are reasonably within the control of the Trustee and are reasonably within the scope of its duties under this Agreement. (c) No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that: (i) Prior to the occurrence of an Event of Default, and after the curing or waiver of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, 92 upon any certificates or opinions furnished to the Trustee by the Company or the Master Servicer and which on their face, do not contradict the requirements of this Agreement; (ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; (iii) The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of Certificateholders of any Class holding Certificates which evidence, as to such Class, Percentage Interests aggregating not less than 25% as to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (i) and (ii) of Section 7.01 or an Event of Default under clauses (iii), (iv) and (v) of Section 7.01 unless a Responsible Officer of the Trustee assigned to and working in the Corporate Trust Office obtains actual knowledge of such failure or event or the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Master Servicer, the Company or any Certificateholder; and (v) Except to the extent provided in Section 7.02, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance) or otherwise incur any personal financial liability in the performance of any of its duties as Trustee hereunder, or in the exercise of any of its rights or powers, if the Trustee shall have reasonable grounds for believing that repayment of funds or adequate indemnity against such risk or liability is not reasonably assured to it. (d) The Trustee shall timely pay, from its own funds, the amount of any and all federal, state and local taxes imposed on the Trust Fund or its assets or transactions including, without limitation, (A) "prohibited transaction" penalty taxes as defined in Section 860F of the Code, if, when and as the same shall be due and payable, (B) any tax on contributions to a REMIC after the Closing Date imposed by Section 860G(d) of the Code and (C) any tax on "net income from foreclosure property" as defined in Section 860G(c) of the Code, but only if such taxes arise out of a breach by the Trustee of its obligations hereunder, which breach constitutes negligence or willful misconduct of the Trustee. Section 8.02. Certain Matters Affecting the Trustee. (a) Except as otherwise provided in Section 8.01: (i) The Trustee may rely and shall be protected in acting or refraining from acting upon any resolution, Officers' Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; 93 (ii) The Trustee may consult with counsel and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel; (iii)The Trustee shall be under no obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured or waived), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs; (iv) The Trustee shall not be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement; (v) Prior to the occurrence of an Event of Default hereunder and after the curing or waiver of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing so to do by Holders of Certificates of any Class evidencing, as to such Class, Percentage Interests, aggregating not less than 50%; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability as a condition to so proceeding. The reasonable expense of every such examination shall be paid by the Master Servicer, if an Event of Default shall have occurred and is continuing, and otherwise by the Certificateholder requesting the investigation; (vi) The Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys; and (vii)To the extent authorized under the Code and the regulations promulgated thereunder, each Holder of a Class R Certificate hereby irrevocably appoints and authorizes the Trustee to be its attorney-in-fact for purposes of signing any Tax Returns required to be filed on behalf of the Trust Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the Master Servicer in a timely manner any Tax Returns prepared by or on behalf of the Master Servicer that the Trustee is required to sign as determined by the Master Servicer pursuant to applicable federal, state or local tax laws, provided that the Master Servicer shall indemnify the Trustee for signing any such Tax Returns that contain errors or omissions. 94 (b) Following the issuance of the Certificates, the Trustee shall not accept any contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it shall have obtained or been furnished with an Opinion of Counsel to the effect that such contribution will not (i) cause any portion of any REMIC formed under the Series Supplement to fail to qualify as a REMIC at any time that any Certificates are outstanding or (ii) cause the Trust Fund to be subject to any federal tax as a result of such contribution (including the imposition of any federal tax on "prohibited transactions" imposed under Section 860F(a) of the Code). Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the execution of the Certificates and relating to the acceptance and receipt of the Mortgage Loans) shall be taken as the statements of the Company or the Master Servicer as the case may be, and the Trustee assumes no responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates (except that the Certificates shall be duly and validly executed and authenticated by it as Certificate Registrar) or of any Mortgage Loan or related document, or of MERS or the MERS(R) System. Except as otherwise provided herein, the Trustee shall not be accountable for the use or application by the Company or the Master Servicer of any of the Certificates or of the proceeds of such Certificates, or for the use or application of any funds paid to the Company or the Master Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the Custodial Account or the Certificate Account by the Company or the Master Servicer. Section 8.04. Trustee May Own Certificates. The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Trustee. Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification. (a) The Master Servicer covenants and agrees to pay to the Trustee and any co-trustee from time to time, and the Trustee and any co-trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) for all services rendered by each of them in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or reimburse the Trustee and any co-trustee upon request for all reasonable expenses, disbursements and advances incurred or made by the Trustee or any co-trustee in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ, and the expenses incurred by the Trustee or any co-trustee in connection with the appointment of an office or agency pursuant to Section 8.12) except any such expense, disbursement or advance as may arise from its negligence or bad faith. 95 (b) The Master Servicer agrees to indemnify the Trustee for, and to hold the Trustee harmless against, any loss, liability or expense incurred without negligence or willful misconduct on the Trustee's part, arising out of, or in connection with, the acceptance and administration of the Trust Fund, including the costs and expenses (including reasonable legal fees and expenses) of defending itself against any claim in connection with the exercise or performance of any of its powers or duties under this Agreement and the Custodial Agreement, including, without limitation, all costs, liabilities and expenses (including reasonable legal fees and expenses) of investigating and defending itself against any claim, action or proceeding, pending or threatened, relating to the provisions of this paragraph, provided that: (i) with respect to any such claim, the Trustee shall have given the Master Servicer written notice thereof promptly after the Trustee shall have actual knowledge thereof; (ii) while maintaining control over its own defense, the Trustee shall cooperate and consult fully with the Master Servicer in preparing such defense; and (iii) notwithstanding anything in this Agreement to the contrary, the Master Servicer shall not be liable for settlement of any claim by the Trustee entered into without the prior consent of the Master Servicer which consent shall not be unreasonably withheld. No termination of this Agreement shall affect the obligations created by this Section 8.05(b) of the Master Servicer to indemnify the Trustee under the conditions and to the extent set forth herein. Notwithstanding the foregoing, the indemnification provided by the Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability or expense of the Trustee, including the costs and expenses of defending itself against any claim, incurred in connection with any actions taken by the Trustee at the direction of the Certificateholders pursuant to the terms of this Agreement. Section 8.06. Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be a corporation or a national banking association having its principal office in a state and city acceptable to the Company and organized and doing business under the laws of such state or the United States of America, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000 and subject to supervision or examination by federal or state authority. If such corporation or national banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07. 96 Section 8.07. Resignation and Removal of the Trustee. (a) The Trustee may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Company. Upon receiving such notice of resignation, the Company shall promptly appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor trustee. If no successor trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor trustee. (b) If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Company, or if at any time the Trustee shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Company may remove the Trustee and appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor trustee. In addition, in the event that the Company determines that the Trustee has failed (i) to distribute or cause to be distributed to the Certificateholders any amount required to be distributed hereunder, if such amount is held by the Trustee or its Paying Agent (other than the Master Servicer or the Company) for distribution or (ii) to otherwise observe or perform in any material respect any of its covenants, agreements or obligations hereunder, and such failure shall continue unremedied for a period of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii) above) after the date on which written notice of such failure, requiring that the same be remedied, shall have been given to the Trustee by the Company, then the Company may remove the Trustee and appoint a successor trustee by written instrument delivered as provided in the preceding sentence. In connection with the appointment of a successor trustee pursuant to the preceding sentence, the Company shall, on or before the date on which any such appointment becomes effective, obtain from each Rating Agency written confirmation that the appointment of any such successor trustee will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates. (c) The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee and appoint a successor trustee by written instrument or instruments, in triplicate, signed by such Holders or their attorneys-in-fact duly authorized, one complete set of which instruments shall be delivered to the Company, one complete set to the Trustee so removed and one complete set to the successor so appointed. (d) Any resignation or removal of the Trustee and appointment of a successor trustee pursuant to any of the provisions of this Section shall become effective upon acceptance of appointment by the successor trustee as provided in Section 8.08. Section 8.08. Successor Trustee. (a) Any successor trustee appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Company and to its predecessor trustee an instrument accepting such appointment hereunder, and thereupon the resignation 97 or removal of the predecessor trustee shall become effective and such successor trustee shall become effective and such successor trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with the like effect as if originally named as trustee herein. The predecessor trustee shall deliver to the successor trustee all Mortgage Files and related documents and statements held by it hereunder (other than any Mortgage Files at the time held by a Custodian, which shall become the agent of any successor trustee hereunder), and the Company, the Master Servicer and the predecessor trustee shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee all such rights, powers, duties and obligations. (b) No successor trustee shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee shall be eligible under the provisions of Section 8.06. (c) Upon acceptance of appointment by a successor trustee as provided in this Section, the Company 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 Company fails to mail such notice within 10 days after acceptance of appointment by the successor trustee, the successor trustee shall cause such notice to be mailed at the expense of the Company. Section 8.09. Merger or Consolidation of Trustee. Any corporation or national banking association into which the Trustee may be merged or converted or with which it may be consolidated or any corporation or national banking association resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation or national banking association succeeding to the business of the Trustee, shall be the successor of the Trustee hereunder, provided such corporation or national banking association shall be eligible under the provisions of Section 8.06, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. The Trustee shall mail notice of any such merger or consolidation to the Certificateholders at their address as shown in the Certificate Register. Section 8.10. Appointment of Co-Trustee or Separate Trustee. (a) Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Fund or property securing the same may at the time be located, the Master Servicer and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons approved by the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or separate trustees, of all or any part of the Trust Fund, and to vest in such Person or Persons, in such capacity, such title to the Trust Fund, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Master Servicer and the Trustee may consider necessary or desirable. If the Master Servicer shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, or in case an Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment. No 98 co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 8.06 hereunder and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under Section 8.08 hereof. (b) In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 8.10 all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee, and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Master Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Fund or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee at the direction of the Trustee. (c) Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article VIII. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee. (d) Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. Section 8.11. Appointment of Custodians. The Trustee may, with the consent of the Master Servicer and the Company, appoint one or more Custodians who are not Affiliates of the Company, the Master Servicer or any Seller to hold all or a portion of the Mortgage Files as agent for the Trustee, by entering into a Custodial Agreement. Subject to Article VIII, the Trustee agrees to comply with the terms of each Custodial Agreement and to enforce the terms and provisions thereof against the Custodian for the benefit of the Certificateholders. Each Custodian shall be a depository institution subject to supervision by federal or state authority, shall have a combined capital and surplus of at least $15,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. Each Custodial Agreement may be amended only as provided in Section 11.01. The Trustee shall notify the Certificateholders of the appointment of any Custodian (other than the Custodian appointed as of the Closing Date) pursuant to this Section 8.11. 99 Section 8.12. Appointment of Office or Agency. The Trustee will maintain an office or agency in the City of New York at the address designated in Section 11.05 of the Series Supplement where Certificates may be surrendered for registration of transfer or exchange. The Trustee will maintain an office at the address stated in Section 11.05 of the Series Supplement where notices and demands to or upon the Trustee in respect of this Agreement may be served. 100 ARTICLE IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES Section 9.01. Optional Purchase by the Master Servicer of All Certificates; Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans (a) Subject to Section 9.02, the respective obligations and responsibilities of the Company, the Master Servicer and the Trustee created hereby in respect of the Certificates (other than the obligation of the Trustee to make certain payments after the Final Distribution Date to Certificateholders and the obligation of the Company to send certain notices as hereinafter set forth) shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to this Article IX following the earlier of: (i) the later of the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, or (ii) the purchase by the Master Servicer of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to 100% of the unpaid principal balance of each Mortgage Loan or, if less than such unpaid principal balance, the fair market value of the related underlying property of such Mortgage Loan with respect to Mortgage Loans as to which title has been acquired if such fair market value is less than such unpaid principal balance (net of any unreimbursed Advances attributable to principal) on the day of repurchase plus accrued interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of any Modified Mortgage Loan) to, but not including, the first day of the month in which such repurchase price is distributed, provided, however, that in no event shall the trust created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof and provided further that the purchase price set forth above shall be increased as is necessary, as determined by the Master Servicer, to avoid disqualification of any portion of any REMIC formed under the Series Supplement as a REMIC. The purchase price paid by the Master Servicer shall also include any amounts owed by Residential Funding pursuant to the last paragraph of Section 4 of the Assignment Agreement in respect of any liability, penalty or expense that resulted from a breach of the Compliance With Laws Representation, that remain unpaid on the date of such purchase. The right of the Master Servicer to purchase all the assets of the Trust Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal Balance as of the Final Distribution Date, prior to giving effect to distributions to be made on such Distribution Date, being less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. 101 If such right is exercised by the Master Servicer, the Master Servicer shall be deemed to have been reimbursed for the full amount of any unreimbursed Advances theretofore made by it with respect to the Mortgage Loans. In addition, the Master Servicer shall provide to the Trustee the certification required by Section 3.15 and the Trustee and any Custodian shall, promptly following payment of the purchase price, release to the Master Servicer the Mortgage Files pertaining to the Mortgage Loans being purchased. In addition to the foregoing, on any Distribution Date on which the Pool Stated Principal Balance, prior to giving effect to distributions to be made on such Distribution Date, is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans, the Master Servicer shall have the right, at its option, to purchase the Certificates in whole, but not in part, at a price equal to the outstanding Certificate Principal Balance of such Certificates plus the sum of Accrued Certificate Interest thereon for the related Interest Accrual Period and any previously unpaid Accrued Certificate Interest. If the Master Servicer exercises this right to purchase the outstanding Certificates, the Master Servicer will promptly terminate the respective obligations and responsibilities created hereby in respect of the Certificates pursuant to this Article IX. (b) The Master Servicer shall give the Trustee not less than 60 days' prior notice of the Distribution Date on which the Master Servicer anticipates that the final distribution will be made to Certificateholders (whether as a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund or otherwise) or on which the Master Servicer anticipates that the Certificates will be purchased (as a result of the exercise by the Master Servicer to purchase the outstanding Certificates). Notice of any termination specifying the anticipated Final Distribution Date (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Trustee (if so required by the terms hereof) for payment of the final distribution and cancellation or notice of any purchase of the outstanding Certificates, specifying the Distribution Date upon which the Holders may surrender their Certificates to the Trustee for payment, shall be given promptly by the Master Servicer (if it is exercising its right to purchase the assets of the Trust Fund or to purchase the outstanding Certificates), or by the Trustee (in any other case) by letter to the Certificateholders mailed not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying: (i) the anticipated Final Distribution Date upon which final payment of the Certificates is anticipated to be made upon presentation and surrender of Certificates at the office or agency of the Trustee therein designated where required pursuant to this Agreement or, in the case of the purchase by the Master Servicer of the outstanding Certificates, the Distribution Date on which such purchase is to be made, (ii) the amount of any such final payment, or in the case of the purchase of the outstanding Certificates, the purchase price, in either case, if known, and (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, and in the case of the Senior Certificates, or in the case of all of the Certificates in connection with the exercise by the Master Servicer of its right to purchase the Certificates, that payment will be made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. 102 If the Master Servicer is obligated to give notice to Certificateholders as aforesaid, it shall give such notice to the Certificate Registrar at the time such notice is given to Certificateholders and, if the Master Servicer is exercising its rights to purchase the outstanding Certificates, it shall give such notice to each Rating Agency at the time such notice is given to Certificateholders. As a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund, the Master Servicer shall deposit in the Certificate Account, before the Final Distribution Date in immediately available funds an amount equal to the purchase price for the assets of the Trust Fund, computed as provided above. As a result of the exercise by the Master Servicer of its right to purchase the outstanding Certificates, the Master Servicer shall deposit in an Eligible Account, established by the Master Servicer on behalf of the Trustee and separate from the Certificate Account in the name of the Trustee in trust for the registered holders of the Certificates, before the Distribution Date on which such purchase is to occur in immediately available funds an amount equal to the purchase price for the Certificates, computed as above provided, and provide notice of such deposit to the Trustee. The Trustee will withdraw from such account the amount specified in subsection (c) below. (c) In the case of the Senior Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof, and in the case of the Class M and Class B Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof in connection with the exercise by the Master Servicer of its right to purchase the Certificates, and otherwise in accordance with Section 4.01(a), the Trustee shall distribute to the Certificateholders (i) the amount otherwise distributable on such Distribution Date, if not in connection with the Master Servicer's election to repurchase the assets of the Trust Fund or the outstanding Certificates, or (ii) if the Master Servicer elected to so repurchase the assets of the Trust Fund or the outstanding Certificates, an amount determined as follows: (A) with respect to each Certificate the outstanding Certificate Principal Balance thereof, plus Accrued Certificate Interest for the related Interest Accrual Period thereon and any previously unpaid Accrued Certificate Interest, subject to the priority set forth in Section 4.02(a), and (B) with respect to the Class R Certificates, any excess of the amounts available for distribution (including the repurchase price specified in clause (ii) of subsection (a) of this Section) over the total amount distributed under the immediately preceding clause (A). Notwithstanding the reduction of the Certificate Principal Balance of any Class of Subordinate Certificates to zero, such Class will be outstanding hereunder until the termination of the respective obligations and responsibilities of the Company, the Master Servicer and the Trustee hereunder in accordance with Article IX. (d) If any Certificateholders shall not surrender their Certificates for final payment and cancellation on or before the Final Distribution Date (if so required by the terms hereof), the Trustee shall on such date cause all funds in the Certificate Account not distributed in final distribution to Certificateholders to be withdrawn therefrom and credited to the remaining Certificateholders by depositing such funds in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer (if it exercised its right to purchase the assets of the Trust Fund), or the Trustee (in any other case) shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the remaining Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting 103 Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation, the Trustee shall pay to the Master Servicer all amounts distributable to the holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such Holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 9.01. (e) If any Certificateholders do not surrender their Certificates on or before the Distribution Date on which a purchase of the outstanding Certificates is to be made, the Trustee shall on such date cause all funds in the Certificate Account deposited therein by the Master Servicer pursuant to Section 9.01(b) to be withdrawn therefrom and deposited in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer shall give a second written notice to such Certificateholders to surrender their Certificates for payment of the purchase price therefor. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the Holders of such Certificates concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation in accordance with this Section 9.01, the Trustee shall pay to the Master Servicer all amounts distributable to the Holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such Holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for payment in accordance with this Section 9.01. Any Certificate that is not surrendered on the Distribution Date on which a purchase pursuant to this Section 9.01 occurs as provided above will be deemed to have been purchased and the Holder as of such date will have no rights with respect thereto except to receive the purchase price therefor minus any costs and expenses associated with such escrow account and notices allocated thereto. Any Certificates so purchased or deemed to have been purchased on such Distribution Date shall remain outstanding hereunder until the Master Servicer has terminated the respective obligations and responsibilities created hereby in respect of the Certificates pursuant to this Article IX. The Master Servicer shall be for all purposes the Holder thereof as of such date. Section 9.02. Additional Termination Requirements. (a) Each REMIC that comprises the Trust Fund shall be terminated in accordance with the following additional requirements, unless (subject to Section 10.01(f)) the Trustee and the Master Servicer have received an Opinion of Counsel (which Opinion of Counsel shall not be an expense of the Trustee) to the effect that the failure of each such REMIC to comply with the requirements of this Section 9.02 will not (i) result in the imposition on the Trust of taxes on "prohibited transactions," as described in Section 860F of the Code, or (ii) cause any such REMIC to fail to qualify as a REMIC at any time that any Certificate is outstanding: (i) The Master Servicer shall establish a 90-day liquidation period for each such REMIC and specify the first day of such period in a statement 104 attached to the Trust Fund's final Tax Return pursuant to Treasury regulations Section 1.860F-1. The Master Servicer also shall satisfy all of the requirements of a qualified liquidation for a REMIC under Section 860F of the Code and regulations thereunder; (ii) The Master Servicer shall notify the Trustee at the commencement of such 90-day liquidation period and, at or prior to the time of making of the final payment on the Certificates, the Trustee shall sell or otherwise dispose of all of the remaining assets of the Trust Fund in accordance with the terms hereof; and (iii) If the Master Servicer or the Company is exercising its right to purchase the assets of the Trust Fund, the Master Servicer shall, during the 90-day liquidation period and at or prior to the Final Distribution Date, purchase all of the assets of the Trust Fund for cash. (b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete liquidation for each REMIC at the expense of the Trust Fund in accordance with the terms and conditions of this Agreement. Section 9.03. Termination of Multiple REMICs. If the REMIC Administrator makes two or more separate REMIC elections, the applicable REMIC shall be terminated on the earlier of the Final Distribution Date and the date on which it is deemed to receive the last deemed distributions on the related Uncertificated REMIC Regular Interests and the last distribution due on the Certificates is made. 105 ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (a) The REMIC Administrator shall make an election to treat the Trust Fund as one or more REMICs under the Code and, if necessary, under applicable state law. The assets of each such REMIC will be set forth in the Series Supplement. Such election will be made on Form 1066 or other appropriate federal tax or information return (including Form 8811) or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. For the purposes of each REMIC election in respect of the Trust Fund, Certificates and interests to be designated as the "regular interests" and the sole class of "residual interests" in the REMIC will be set forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the Trustee shall not permit the creation of any "interests" (within the meaning of Section 860G of the Code) in any REMIC elected in respect of the Trust Fund other than the "regular interests" and "residual interests" so designated. (b) The Closing Date is hereby designated as the "startup day" of the Trust Fund within the meaning of Section 860G(a)(9) of the Code. (c) The REMIC Administrator shall hold a Class R Certificate representing a 0.01% Percentage Interest each Class of the Class R Certificates and shall be designated as "the tax matters person" with respect to each REMIC in the manner provided under Treasury regulations section 1.860F-4(d) and Treasury regulations section 301.6231(a)(7)-1. The REMIC Administrator, as tax matters person, shall (i) act on behalf of each REMIC in relation to any tax matter or controversy involving the Trust Fund and (ii) represent the Trust Fund in any administrative or judicial proceeding relating to an examination or audit by any governmental taxing authority with respect thereto. The legal expenses, including without limitation attorneys' or accountants' fees, and costs of any such proceeding and any liability resulting therefrom shall be expenses of the Trust Fund and the REMIC Administrator shall be entitled to reimbursement therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 unless such legal expenses and costs are incurred by reason of the REMIC Administrator's willful misfeasance, bad faith or gross negligence. If the REMIC Administrator is no longer the Master Servicer hereunder, at its option the REMIC Administrator may continue its duties as REMIC Administrator and shall be paid reasonable compensation not to exceed $3,000 per year by any successor Master Servicer hereunder for so acting as the REMIC Administrator. (d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax Returns that it determines are required with respect to each REMIC created hereunder and deliver such Tax Returns in a timely manner to the Trustee and the Trustee shall sign and file such Tax Returns in a timely manner. The expenses of preparing such returns shall be borne by the REMIC Administrator without any right of reimbursement therefor. The REMIC Administrator agrees to indemnify and hold harmless the Trustee with respect to any tax or liability arising from the Trustee's signing of Tax Returns that contain errors or omissions. The Trustee and Master Servicer shall promptly provide the REMIC Administrator with such 106 information as the REMIC Administrator may from time to time request for the purpose of enabling the REMIC Administrator to prepare Tax Returns. (e) The REMIC Administrator shall provide (i) to any Transferor of a Class R Certificate such information as is necessary for the application of any tax relating to the transfer of a Class R Certificate to any Person who is not a Permitted Transferee, (ii) to the Trustee, and the Trustee shall forward to the Certificateholders, such information or reports as are required by the Code or the REMIC Provisions including reports relating to interest, original issue discount and market discount or premium (using the Prepayment Assumption) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of each REMIC. (f) The Master Servicer and the REMIC Administrator shall take such actions and shall cause each REMIC created hereunder to take such actions as are reasonably within the Master Servicer's or the REMIC Administrator's control and the scope of its duties more specifically set forth herein as shall be necessary or desirable to maintain the status of each REMIC as a REMIC under the REMIC Provisions (and the Trustee shall assist the Master Servicer and the REMIC Administrator, to the extent reasonably requested by the Master Servicer and the REMIC Administrator to do so). The Master Servicer and the REMIC Administrator shall not knowingly or intentionally take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action reasonably within their respective control that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any portion of any REMIC formed under the Series Supplement as a REMIC or (ii) result in the imposition of a tax upon any such REMIC (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, in the absence of an Opinion of Counsel or the indemnification referred to in this sentence, an "Adverse REMIC Event") unless the Master Servicer or the REMIC Administrator, as applicable, has received an Opinion of Counsel (at the expense of the party seeking to take such action or, if such party fails to pay such expense, and the Master Servicer or the REMIC Administrator, as applicable, determines that taking such action is in the best interest of the Trust Fund and the Certificateholders, at the expense of the Trust Fund, but in no event at the expense of the Master Servicer, the REMIC Administrator or the Trustee) to the effect that the contemplated action will not, with respect to each REMIC created hereunder, endanger such status or, unless the Master Servicer, the REMIC Administrator or both, as applicable, determine in its or their sole discretion to indemnify the Trust Fund against the imposition of such a tax, result in the imposition of such a tax. Wherever in this Agreement a contemplated action may not be taken because the timing of such action might result in the imposition of a tax on the Trust Fund, or may only be taken pursuant to an Opinion of Counsel that such action would not impose a tax on the Trust Fund, such action may nonetheless be taken provided that the indemnity given in the preceding sentence with respect to any taxes that might be imposed on the Trust Fund has been given and that all other preconditions to the taking of such action have been satisfied. The Trustee shall not take or fail to take any action (whether or not authorized hereunder) as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that it has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action. In addition, prior to taking any action with respect to any REMIC created hereunder or any related assets thereof, or causing any such REMIC to take any action, which is not expressly permitted under the terms of this Agreement, the Trustee will consult with the Master Servicer or the REMIC Administrator, as applicable, or its designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to any such REMIC, and the Trustee shall not take any such action or cause any such REMIC to take any such action as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that an Adverse REMIC Event could occur. The Master Servicer or the REMIC Administrator, as applicable, may consult with counsel to make such written advice, and the cost of same shall be borne by the party 107 seeking to take the action not expressly permitted by this Agreement, but in no event at the expense of the Master Servicer or the REMIC Administrator. At all times as may be required by the Code, the Master Servicer will to the extent within its control and the scope of its duties more specifically set forth herein, maintain substantially all of the assets of each REMIC created hereunder as "qualified mortgages" as defined in Section 860G(a)(3) of the Code and "permitted investments" as defined in Section 860G(a)(5) of the Code. (g) In the event that any tax is imposed on "prohibited transactions" of any REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on "net income from foreclosure property" of any such REMIC as defined in Section 860G(c) of the Code, on any contributions to any such REMIC after the Startup Day therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Master Servicer, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under this Agreement or the Master Servicer has in its sole discretion determined to indemnify the Trust Fund against such tax, (ii) to the Trustee, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article X, or (iii) otherwise against amounts on deposit in the Custodial Account as provided by Section 3.10 and on the Distribution Date(s) following such reimbursement the aggregate of such taxes shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such taxes constituted a Prepayment Interest Shortfall. (h) The Trustee and the Master Servicer shall, for federal income tax purposes, maintain books and records with respect to each REMIC created hereunder on a calendar year and on an accrual basis or as otherwise may be required by the REMIC Provisions. (i) Following the Startup Day, neither the Master Servicer nor the Trustee shall accept any contributions of assets to any REMIC created hereunder unless (subject to Section 10.01(f)) the Master Servicer and the Trustee shall have received an Opinion of Counsel (at the expense of the party seeking to make such contribution) to the effect that the inclusion of such assets in such REMIC will not cause the REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding or subject the REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances. (j) Neither the Master Servicer nor the Trustee shall (subject to Section 10.01(f)) enter into any arrangement by which any REMIC created hereunder will receive a fee or other compensation for services nor permit any such REMIC to receive any income from assets other than "qualified mortgages" as defined in Section 860G(a)(3) of the Code or "permitted investments" as defined in Section 860G(a)(5) of the Code. 108 (k) Solely for the purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest possible maturity date" by which the Certificate Principal Balance of each Class of Certificates (other than the Interest Only Certificates) representing a regular interest in the applicable REMIC and the Uncertificated Principal Balance of each Uncertificated REMIC Regular Interest (other than each Uncertificated REMIC Regular Interest represented by a Class A-V Certificate, if any) and the rights to the Interest Only Certificates and Uncertificated REMIC Regular Interest represented by a Class A-V Certificate would be reduced to zero is the Maturity Date for each such Certificate and Interest. (l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare and file with the Internal Revenue Service Form 8811, "Information Return for Real Estate Mortgage Investment Conduits (REMIC) and Issuers of Collateralized Debt Obligations" for each REMIC created hereunder. (m) Neither the Trustee nor the Master Servicer shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the default, imminent default or foreclosure of a Mortgage Loan, including but not limited to, the acquisition or sale of a Mortgaged Property acquired by deed in lieu of foreclosure, (ii) the bankruptcy of any REMIC created hereunder, (iii) the termination of any such REMIC pursuant to Article IX of this Agreement or (iv) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any investments in the Custodial Account or the Certificate Account for gain nor accept any contributions to any such REMIC after the Closing Date unless it has received an Opinion of Counsel that such sale, disposition, substitution or acquisition will not (a) affect adversely the status of such REMIC as a REMIC or (b) unless the Master Servicer has determined in its sole discretion to indemnify the Trust Fund against such tax, cause such REMIC to be subject to a tax on "prohibited transactions" or "contributions" pursuant to the REMIC Provisions. Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification. (a) The Trustee agrees to indemnify the Trust Fund, the Company, the REMIC Administrator and the Master Servicer for any taxes and costs including, without limitation, any reasonable attorneys fees imposed on or incurred by the Trust Fund, the Company or the Master Servicer, as a result of a breach of the Trustee's covenants set forth in Article VIII or this Article X. (b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the Master Servicer and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Company, the Master Servicer or the Trustee, as a result of a breach of the REMIC Administrator's covenants set forth in this Article X with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the REMIC Administrator that contain errors or omissions; provided, however, that such liability will not be imposed to the extent such breach is a result of an error or omission in information provided to the REMIC Administrator by the Master Servicer in which case Section 10.02(c) will apply. 109 (c) The Master Servicer agrees to indemnify the Trust Fund, the Company, the REMIC Administrator and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Company, the REMIC Administrator or the Trustee, as a result of a breach of the Master Servicer's covenants set forth in this Article X or in Article III with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the Master Servicer that contain errors or omissions. Section 10.03. Designation of REMIC(s). As provided in Section 10.03 of the Series Supplement. Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests. As provided in Section 10.04 of the Series Supplement. Section 10.05. Compliance with Withholding Requirements. As provided in Section 10.05 of the Series Supplement. 110 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (a) This Agreement or any Custodial Agreement may be amended from time to time by the Company, the Master Servicer and the Trustee, without the consent of any of the Certificateholders: (i) to cure any ambiguity, (ii) to correct or supplement any provisions herein or therein, which may be inconsistent with any other provisions herein or therein or to correct any error, (iii)to modify, eliminate or add to any of its provisions to such extent as shall be necessary or desirable to maintain the qualification of the Trust Fund as a REMIC at all times that any Certificate is outstanding or to avoid or minimize the risk of the imposition of any tax on the Trust Fund pursuant to the Code that would be a claim against the Trust Fund, provided that the Trustee has received an Opinion of Counsel to the effect that (A) such action is necessary or desirable to maintain such qualification or to avoid or minimize the risk of the imposition of any such tax and (B) such action will not adversely affect in any material respect the interests of any Certificateholder, (iv) to change the timing and/or nature of deposits into the Custodial Account or the Certificate Account or to change the name in which the Custodial Account is maintained, provided that (A) the Certificate Account Deposit Date shall in no event be later than the related Distribution Date, (B) such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and (C) such change shall not result in a reduction of the rating assigned to any Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, (v) to modify, eliminate or add to the provisions of Section 5.02(f) or any other provision hereof restricting transfer of the Class R Certificates, by virtue of their being the "residual interests" in a REMIC, provided that (A) such change shall not result in reduction of the rating assigned to any such Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, and (B) such change shall not (subject to Section 10.01(f)), as evidenced by an Opinion of Counsel (at the expense of the party seeking so to modify, eliminate or add such provisions), cause any REMIC created hereunder or any of the Certificateholders (other than the transferor) to be subject to a federal tax caused by a transfer to a Person that is not a Permitted Transferee, (vi) to make any other provisions with respect to matters or questions arising under this Agreement or such Custodial Agreement which shall not be 111 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 or (vii) to amend any provision herein or therein that is not material to any of the Certificateholders. (b) This Agreement or any Custodial Agreement may also be amended from time to time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates with a Certificate Principal Balance greater than zero affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall: (i) reduce in any manner the amount of, or delay the timing of, payments which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) reduce the aforesaid percentage of Certificates of any Class the Holders of which are required to consent to any such amendment, in any such case without the consent of the Holders of all Certificates of such Class then outstanding. (c) Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel (subject to Section 10.01(f) and at the expense of the party seeking such amendment) to the effect that such amendment or the exercise of any power granted to the Master Servicer, the Company or the Trustee in accordance with such amendment will not result in the imposition of a federal tax on the Trust Fund or cause any REMIC created under the Series Supplement to fail to qualify as a REMIC at any time that any Certificate is outstanding. (d) Promptly after the execution of any such amendment the Trustee shall furnish written notification of the substance of such amendment to the Custodian and each Certificateholder. It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe. (e) The Company shall have the option, in its sole discretion, to obtain and deliver to the Trustee any corporate guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or any combination of the foregoing, for the purpose of protecting the Holders of the Class B Certificates against any or all Realized Losses or other shortfalls. Any such instrument or fund shall be held by the Trustee for the benefit of the Class B Certificateholders, but shall not be and shall not be deemed to be under any circumstances included in the Trust Fund. To the extent 112 that any such instrument or fund constitutes a reserve fund for federal income tax purposes, (i) any reserve fund so established shall be an outside reserve fund and not an asset of the Trust Fund, (ii) any such reserve fund shall be owned by the Company, and (iii) amounts transferred by the Trust Fund to any such reserve fund shall be treated as amounts distributed by the Trust Fund to the Company or any successor, all within the meaning of Treasury Regulations Section 1.860G-2(h) as it reads as of the Cut-off Date. In connection with the provision of any such instrument or fund, this Agreement and any provision hereof may be modified, added to, deleted or otherwise amended in any manner that is related or incidental to such instrument or fund or the establishment or administration thereof, such amendment to be made by written instrument executed or consented to by the Company but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of the Senior Certificateholders, the Class M Certificateholders, the Master Servicer or the Trustee, as applicable; provided that the Company obtains (subject to Section 10.01(f)) an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created hereunder to fail to qualify as a REMIC at any time that any Certificate is outstanding. In the event that the Company elects to provide such coverage in the form of a limited guaranty provided by General Motors Acceptance Corporation, the Company may elect that the text of such amendment to this Agreement shall be substantially in the form attached hereto as Exhibit K (in which case Residential Funding's Subordinate Certificate Loss Obligation as described in such exhibit shall be established by Residential Funding's consent to such amendment) and that the limited guaranty shall be executed in the form attached hereto as Exhibit L, with such changes as the Company shall deem to be appropriate; it being understood that the Trustee has reviewed and approved the content of such forms and that the Trustee's consent or approval to the use thereof is not required. Section 11.02. Recordation of Agreement; Counterparts. (a) To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer and at its expense on direction by the Trustee (pursuant to the request of Holders of Certificates entitled to at least 25% of the Voting Rights), but only upon direction accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders. (b) For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. 113 Section 11.03. Limitation on Rights of Certificateholders. (a) The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or to take any action or proceeding in any court for a partition or winding up of the Trust Fund, nor otherwise affect the rights, obligations and liabilities of any of the parties hereto. (b) No Certificateholder shall have any right to vote (except as expressly provided herein) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof. (c) No Certificateholder shall have any right by virtue of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates of any Class evidencing in the aggregate not less than 25% of the related Percentage Interests of such Class, shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, 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 of any Class shall have any right in any manner whatever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates of such Class or any other Class, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the common benefit of Certificateholders of such Class or all Classes, as the case may be. For the protection and enforcement of the provisions of this Section 11.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity. Section 11.04. Governing Law. This agreement and the Certificates shall be governed by and construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws. 114 Section 11.05. Notices. As provided in Section 11.05 of the Series Supplement. Section 11.06. Required Notices to Rating Agency and Subservicer. The Company, the Master Servicer or the Trustee, as applicable, (i) shall notify each Rating Agency at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of, any of the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below, (ii) shall notify the Subservicer at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of, any of the events described in clause (a), (b), (c)(1), (g)(1), or (i) below, or (iii) provide a copy to each Rating Agency at such time as otherwise required to be delivered pursuant to this Agreement of any of the statements described in clauses (e) and (f) below: (a) a material change or amendment to this Agreement, (b) the occurrence of an Event of Default, (c) (1) the termination or appointment of a successor Master Servicer or (2) the termination or appointment of a successor Trustee or a change in the majority ownership of the Trustee, (d) the filing of any claim under the Master Servicer's blanket fidelity bond and the errors and omissions insurance policy required by Section 3.12 or the cancellation or modification of coverage under any such instrument, (e) the statement required to be delivered to the Holders of each Class of Certificates pursuant to Section 4.03, (f) the statements required to be delivered pursuant to Sections 3.18 and 3.19, (g) (1) a change in the location of the Custodial Account or (2) a change in the location of the Certificate Account, (h) the occurrence of any monthly cash flow shortfall to the Holders of any Class of Certificates resulting from the failure by the Master Servicer to make an Advance pursuant to Section 4.04, (i) the occurrence of the Final Distribution Date, and (j) the repurchase of or substitution for any Mortgage Loan, provided, however, that with respect to notice of the occurrence of the events described in clauses (d), (g) or (h) above, the Master Servicer shall provide prompt written notice to each Rating Agency and the Subservicer, if applicable, of any such event known to the Master Servicer. 115 Section 11.07. Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof. Section 11.08. Supplemental Provisions for Resecuritization. This Agreement may be supplemented by means of the addition of a separate Article hereto (a "Supplemental Article") for the purpose of resecuritizing any of the Certificates issued hereunder, under the following circumstances. With respect to any Class or Classes of Certificates issued hereunder, or any portion of any such Class, as to which the Company or any of its Affiliates (or any designee thereof) is the registered Holder (the "Resecuritized Certificates"), the Company may deposit such Resecuritized Certificates into a new REMIC, grantor trust, FASIT or custodial arrangement (a "Restructuring Vehicle") to be held by the Trustee pursuant to a Supplemental Article. The instrument adopting such Supplemental Article shall be executed by the Company, the Master Servicer and the Trustee; provided, that neither the Master Servicer nor the Trustee shall withhold their consent thereto if their respective interests would not be materially adversely affected thereby. To the extent that the terms of the Supplemental Article do not in any way affect any provisions of this Agreement as to any of the Certificates initially issued hereunder, the adoption of the Supplemental Article shall not constitute an "amendment" of this Agreement. Each Supplemental Article shall set forth all necessary provisions relating to the holding of the Resecuritized Certificates by the Trustee, the establishment of the Restructuring Vehicle, the issuing of various classes of new certificates by the Restructuring Vehicle and the distributions to be made thereon, and any other provisions necessary for the purposes thereof. In connection with each Supplemental Article, the Company shall deliver to the Trustee an Opinion of Counsel to the effect that (i) the Restructuring Vehicle will qualify as a REMIC, grantor trust, FASIT or other entity not subject to taxation for federal income tax purposes and (ii) the adoption of the Supplemental Article will not endanger the status of the Trust Fund as a REMIC or (subject to Section 10.01(f)) result in the imposition of a tax upon the Trust Fund (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC as set forth in Section 860G(d) of the Code). Section 11.09. Allocation of Voting Rights. As provided in Section 11.09 of the Series Supplement. Section 11.10. No Petition. As provided in Section 11.10 of the Series Supplement. 116 EXHIBIT A FORM OF CLASS A CERTIFICATE, [PRINCIPAL ONLY/CLASS A-P] CERTIFICATE AND [INTEREST ONLY/CLASS A-V] CERTIFICATE SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] [THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT PASS-THROUGH RATE EQUAL TO THE INITIAL PASS-THROUGH RATE,] THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[ ] PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE] [NOTIONAL AMOUNT], COMPUTED USING THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE OR AS TO THE CONSTANCY OF THE PASS-THROUGH RATE.] Certificate No. [ %][Variable] Pass-Through Rate [based on a Notional Amount] Class A- Senior Date of Pooling and Servicing [Percentage Interest: %] Agreement and Cut-off Date: ___________ 1, ____ Aggregate Initial [Certificate Principal Balance] [[Interest Only/Class A-V] Notional First Distribution Date: Amount] [Subclass Notional Amount] of the _________ 25, ____ Class A- Certificates: Master Servicer: [Initial] [Certificate Principal Residential Funding Balance] [Interest Only/Class A-V] [Subclass] Corporation Notional Amount] of this Certificate: $ ] Assumed Final Distribution Date: CUSIP 76110F- ___________ 25, ____
MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE SERIES ____-___ evidencing a percentage interest in the distributions allocable to the Class A- Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that ____________ is the registered owner of the Percentage Interest evidenced by this Certificate [(obtained by dividing the [Initial Certificate Principal Balance] [Initial [Interest Only/Class A-V] Notional Amount] of this Certificate by the aggregate [Initial Certificate Principal Balance of all Class A- Certificates] [Initial [Interest Only/Class A-V] Notional Amounts of all [Interest Only/Class A-V] Certificates], both as specified above)] in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the A-2 "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount [(of interest and principal, if any)] required to be distributed to Holders of Class A- Certificates on such Distribution Date. [The [Interest Only/Class A-V] Notional Amount of the [Interest Only/Class A-V] Certificates as of any date of determination is equal to the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests represented by such [Interest Only/Class A-V] Certificates.] [The Subclass Notional Amount of the [Interest Only/Class A-V]- Certificates as of any date of determination is equal to the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests represented by such [Interest Only/Class A-V]- Certificates immediately prior to such date.] [The [Interest Only/Class A-V][- ] Certificates have no Certificate Principal Balance.] Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The [Initial Certificate Principal Balance] [Initial [Interest Only/Class A-V] Notional Amount] [initial Subclass Notional Amount] of this Certificate is set forth above.] [The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto.] This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is A-3 reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is A-4 registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. 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 the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. A-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class A- Certificates referred to in the within-mentioned Agreement. [___________________________], as Certificate Registrar By: Authorized Signatory A-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ____________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________________________________________________________ _______________________________________ Dated: ________________________ Signature by or on behalf of assignor _______________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ___________________________ account number ____________________, or, if mailed by check, to __________________________________________. Applicable statements should be mailed to _____________________________________. This information is provided by ________________________, the assignee named above, or __________________________, as its agent. A-7 EXHIBIT B FORM OF CLASS M CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS [_____]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE. ANY TRANSFEREE OF THIS CERTIFICATE WILL BE DEEMED TO HAVE REPRESENTED BY VIRTUE OF ITS PURCHASE OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) THAT EITHER (A) SUCH TRANSFEREE IS NOT AN INVESTMENT MANAGER, A NAMED FIDUCIARY OR A TRUSTEE OF ANY PLAN, OR ANY OTHER PERSON, ACTING, DIRECTLY OR INDIRECTLY, ON BEHALF OF OR PURCHASING ANY CERTIFICATE WITH "PLAN ASSETS" OF ANY PLAN (A "PLAN INVESTOR"), (B) IT HAS ACQUIRED AND IS HOLDING SUCH CERTIFICATE IN RELIANCE ON PROHIBITED TRANSACTION EXEMPTION ("PTE") 94-29, 59 FED. REG. 14674 (MARCH 29, 1994), AS AMENDED BY PTE 97-34, 62 FED. REG. 39021 (JULY 21, 1997), PTE 2000-58, 65 FED. REG. 67765 (NOVEMBER 13, 2000), AND PTE 2002-41, 67 FED. REG. 54487 (AUGUST 22, 2002) (THE "RFC EXEMPTION"), AND THAT IT UNDERSTANDS THAT THERE ARE CERTAIN CONDITIONS TO THE AVAILABILITY OF THE RFC EXEMPTION INCLUDING THAT SUCH CERTIFICATE MUST BE RATED, AT THE TIME OF PURCHASE, NOT LOWER THAN "BBB-" (OR ITS EQUIVALENT) BY STANDARD & Poor's, Fitch or Moody's or (C) (I) the transferee is an insurance company, (II) the source of funds to be used by it to purchase the Certificate is an "insurance company general account" (within the meaning of U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and (iii) the CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (C), A "cOMPLYING INSURANCE COMPANY). IF THIS CERTIFICATE (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST PRECEDING TRANSFEREE THAT EITHER (I) IS NOT A PLAN INVESTOR, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE RFC EXEMPTION, OR (III) IS A COMPLYING INSURANCE COMPANY SHALL BE RESTORED, TO THE EXTENT PERMITTED BY LAW, TO ALL RIGHTS AND OBLIGATIONS AS CERTIFICATE OWNER THEREOF RETROACTIVE TO THE DATE OF SUCH TRANSFER OF THIS CERTIFICATE. THE TRUSTEE SHALL BE UNDER NO LIABILITY TO ANY PERSON FOR MAKING ANY PAYMENTS DUE ON THIS CERTIFICATE TO SUCH PRECEDING TRANSFEREE. ANY PURPORTED CERTIFICATE OWNER WHOSE ACQUISITION OR HOLDING OF THIS CERTIFICATE (OR INTEREST HEREIN) WAS EFFECTED IN VIOLATION OF THE RESTRICTIONS IN SECTION 5.02(E) OF THE POOLING AND SERVICING AGREEMENT SHALL INDEMNIFY AND HOLD HARMLESS THE COMPANY, THE TRUSTEE, THE MASTER SERVICER, ANY SUBSERVICER, AND THE TRUST FUND FROM AND AGAINST ANY AND ALL LIABILITIES, CLAIMS, COSTS OR EXPENSES INCURRED BY SUCH PARTIES AS A RESULT OF SUCH ACQUISITION OR HOLDING. B-2 Certificate No. [ ]% Pass-Through Rate Class M- Subordinate Aggregate Certificate Principal Balance Date of Pooling and Servicing of the Class M Certificates: Agreement and Cut-off Date: $ ___________ 1, ____ Initial Certificate Principal First Distribution Date: Balance of this Certificate: _________ 25, ____ $ Master Servicer: CUSIP: 76110F- Residential Funding Corporation Assumed Final Distribution Date: ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class M- Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that______________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Certificate Principal Balance of this Certificate by the aggregate Certificate Principal Balance of all Class M- Certificates, both as specified above) in certain distributions with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used B-3 herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class M- Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. As described above, no transfer of this Class M Certificate will be made unless (i) the Trustee has received either an opinion of counsel or a representation letter, each as described in the Agreement, relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, or (ii) this Certificate is held by a Depository, in which case the Transferee will be deemed to have made representations relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, as described in Section 5.02(e) of the Agreement. In addition, any purported Certificate Owner whose acquisition or holding of this Certificate (or interest herein) was effected in violation of the restrictions in Section 5.02(e) of the Agreement shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is B-4 reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, 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 Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. B-5 This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. B-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [_________________________], as Certificate Registrar By: Authorized Signatory B-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ____________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________________________________________________________ _______________________________________ Dated: ________________________ Signature by or on behalf of assignor _______________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ___________________________ account number ____________________, or, if mailed by check, to __________________________________________. Applicable statements should be mailed to _____________________________________. This information is provided by ________________________, the assignee named above, or __________________________, as its agent. B-8 EXHIBIT C FORM OF CLASS B CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2 CERTIFICATES] DESCRIBED IN THE AGREEMENT (AS DEFINED 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 AGREEMENT. NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE CODE. THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT 100% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS [ ]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[ ] PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE. Certificate No. [ ]% Pass-Through Rate Class B- Subordinate Aggregate Certificate Principal Balance Date of Pooling and Servicing of the Class B- Agreement and Cut-off Date: Certificates as of ___________ 1, ____ the Cut-off Date: $ First Distribution Date: _________ 25, ____ Initial Certificate Principal Balance of this Certificate: Master Servicer: $ Residential Funding Corporation Assumed Final Distribution Date: ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class B- Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that Residential Accredit Loans, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Certificate Principal Balance of this Certificate by the aggregate Certificate Principal Balance of all Class B- Certificates, both as specified above) in certain distributions with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined C-2 herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing 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 day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month next preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class B Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. No transfer of this Class B Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Company may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Company that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the Certificate Registrar acting on behalf of the Trustee against any liability that may result if the transfer is not so exempt or is not made in accordance with such Federal and state laws. In connection with any such transfer, the Trustee will also require either (i) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer with respect to the permissibility of such transfer under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal Revenue Code (the "Code") and stating, among other things, that the transferee's acquisition of a Class B Certificate will not constitute or result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation letter, in the form as described by Section 5.02(e) of the Agreement, either C-3 stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan, or stating that the transferee is an insurance company, the source of funds to be used by it to purchase the Certificate is an "insurance company general account" (within the meaning of Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate C-4 Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, 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 Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. C-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [___________________________], as Certificate Registrar By: Authorized Signatory C-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ____________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________________________________________________________ _______________________________________ Dated: ________________________ Signature by or on behalf of assignor _______________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ___________________________ account number ____________________, or, if mailed by check, to __________________________________________. Applicable statements should be mailed to _____________________________________. This information is provided by ________________________, the assignee named above, or __________________________, as its agent. C-7 EXHIBIT D FORM OF CLASS R CERTIFICATE THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY POSSESSION OF THE UNITED STATES, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY WHICH IS A CORPORATION IF ALL OF ITS ACTIVITIES ARE SUBJECT TO TAX AND EXCEPT FOR FREDDIE MAC, A MAJORITY OF ITS BOARD OF DIRECTORS IS NOT SELECTED BY SUCH GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE FOREGOING, (C) ANY ORGANIZATION (OTHER THAN CERTAIN FARMERS' COOPERATIVES DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING THE TAX IMPOSED BY SECTION 511 OF THE CODE ON UNRELATED BUSINESS TAXABLE INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION 775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED ORGANIZATION"), OR (F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH. Certificate No. [ ]% Pass-Through Rate Class R Senior Aggregate Initial Certificate Principal Balance of the Date of Pooling and Servicing Class R Certificates: Agreement and Cut-off Date: $100.00 ___________ 1, ____ Initial Certificate Principal First Distribution Date: Balance of this Certificate: _________ 25, ____ $ Master Servicer: Percentage Interest: Residential Funding Corporation % Assumed Final Distribution Date: CUSIP 76110F- ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class R Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. D-2 This certifies that _____________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Initial Certificate Principal Balance of this Certificate by the aggregate Initial Certificate Principal Balance of all Class R Certificates, both as specified above) in certain distributions with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class R Certificates on such Distribution Date. Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a United States Person and a Permitted Transferee, (ii) the transfer of any Ownership Interest in this Certificate will be conditioned upon the delivery to the Trustee of, among other things, an affidavit to the effect that it is a United States Person and Permitted Transferee, (iii) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee, and (iv) if any person other than a United States Person and a Permitted Transferee acquires any Ownership Interest in this Certificate in violation of such restrictions, then the Company will have the right, in its sole discretion and without notice to the Holder of this Certificate, to sell this Certificate to a purchaser selected by the Company, which purchaser may be the Company, or any affiliate of the Company, on such terms and conditions as the Company may choose. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto. Notwithstanding the reduction of the Certificate Principal Balance hereof to zero, this Certificate will remain outstanding under the Agreement and the Holder hereof may have additional obligations with respect to this Certificate, D-3 including tax liabilities, and may be entitled to certain additional distributions hereon, in accordance with the terms and provisions of the Agreement. No transfer of this Class R Certificate will be made unless the Trustee has received either (i) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer with respect to the permissibility of such transfer under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal Revenue Code (the "Code") and stating, among other things, that the transferee's acquisition of a Class R Certificate will not constitute or result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation letter, in the form as described by the Agreement, stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. D-4 As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, 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 Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purpose have the same effect as if set forth at this place. D-5 Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. D-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class R Certificates referred to in the within-mentioned Agreement. [____________________________], as Certificate Registrar By: Authorized Signatory D-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto ____________________ (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: _______________________________________________________________________________ _______________________________________ Dated: ________________________ Signature by or on behalf of assignor _______________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ___________________________________ for the account of ___________________________ account number ____________________, or, if mailed by check, to __________________________________________. Applicable statements should be mailed to _____________________________________. This information is provided by ________________________, the assignee named above, or __________________________, as its agent. D-8 EXHIBIT E FORM OF SELLER/SERVICER CONTRACT This Seller/Servicer Contract (as may be amended, supplemented or otherwise modified from time to time, this "Contract") is made this day of , 20 , by and between Residential Funding Corporation, its successors and assigns ("Residential Funding") and (the "Seller/Servicer," and, together with Residential Funding, the "parties" and each, individually, a "party"). WHEREAS, the Seller/Servicer desires to sell Loans to, and/or service Loans for, Residential Funding, and Residential Funding desires to purchase Loans from the Seller/Servicer and/or have the Seller/Servicer service various of its Loans, pursuant to the terms of this Contract and the Residential Funding Seller and Servicer Guides incorporated herein by reference, as amended, supplemented or otherwise modified, from time to time (together, the "Guides"). NOW, THEREFORE, in consideration of the premises, and the terms, conditions and agreements set forth below, the parties agree as follows: 1. INCORPORATION OF GUIDES BY REFERENCE. The Seller/Servicer acknowledges that it has received and read the Guides. All provisions of the Guides are incorporated by reference into and made a part of this Contract, and shall be binding upon the parties; provided, however, that the Seller/Servicer shall be entitled to sell Loans to and/or service Loans for Residential Funding only if and for so long as it shall have been authorized to do so by Residential Funding in writing. Specific reference in this Contract to particular provisions of the Guides and not to other provisions does not mean that those provisions of the Guides not specifically cited in this Contract are not applicable. All terms used herein shall have the same meanings as such terms have in the Guides, unless the context clearly requires otherwise. 2. AMENDMENTS. This Contract may not be amended or modified orally, and no provision of this Contract may be waived or amended except in writing signed by the party against whom enforcement is sought. Such a written waiver or amendment must expressly reference this Contract. However, by their terms, the Guides may be amended or supplemented by Residential Funding from time to time. Any such amendment(s) to the Guides shall be binding upon the parties hereto. 3. REPRESENTATIONS AND WARRANTIES. a. Reciprocal Representations and Warranties. The Seller/Servicer and Residential Funding each represents and warrants to the other that as of the date of this Contract: (1) Each party is duly organized, validly existing, and in good standing under the laws of its jurisdiction of organization, is qualified, if necessary, to do business and in good standing in each jurisdiction in which it is required to be so qualified, and has the requisite power and authority to enter into this Contract and all other agreements which are contemplated by this Contract and to carry out its obligations hereunder and under the Guides and under such other agreements. (2) This Contract has been duly authorized, executed and delivered by each party and constitutes a valid and legally binding agreement of each party enforceable in accordance with its terms. (3) There is no action, proceeding or investigation pending or threatened, and no basis therefor is known to either party, that could affect the validity or prospective validity of this Contract. (4) Insofar as its capacity to carry out any obligation under this Contract is concerned, neither party is in violation of any charter, articles of incorporation, bylaws, mortgage, indenture, indebtedness, agreement, instrument, judgment, decree, order, statute, rule or regulation and none of the foregoing adversely affects its capacity to fulfill any of its obligations under this Contract. Its execution of, and performance pursuant to, this Contract will not result in a violation of any of the foregoing. b. Seller/Servicer's Representations, Warranties and Covenants. In addition to the representations, warranties and covenants made by the Seller/Servicer pursuant to subparagraph (a) of this paragraph 3, the Seller/Servicer makes the representations, warranties and covenants set forth in the Guides and, upon request, agrees to deliver to Residential Funding the certified Resolution of Board of Directors which authorizes the execution and delivery of this Contract. 4. REMEDIES OF RESIDENTIAL FUNDING. If an Event of Seller Default or an Event of Servicer Default shall occur, Residential Funding may, at its option, exercise one or more of those remedies set forth in the Guides. 5. SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR. At no time shall the Seller/Servicer represent that it is acting as an agent of Residential Funding. The Seller/Servicer shall, at all times, act as an independent contractor. 6. PRIOR AGREEMENTS SUPERSEDED. This Contract restates, amends and supersedes any and all prior Seller Contracts or Servicer Contracts between the parties except that any subservicing agreement executed by the Seller/Servicer in connection with any loan-security exchange transaction shall not be affected. E-2 7. ASSIGNMENT. This Contract may not be assigned or transferred, in whole or in part, by the Seller/Servicer without the prior written consent of Residential Funding. Residential Funding may sell, assign, convey, hypothecate, pledge or in any other way transfer, in whole or in part, without restriction, its rights under this Contract and the Guides with respect to any Commitment or Loan. 8. NOTICES. All notices, requests, demands or other communications that are to be given under this Contract shall be in writing, addressed to the appropriate parties and sent by telefacsimile or by overnight courier or by United States mail, postage prepaid, to the addresses and telefacsimile numbers specified below. However, another name, address and/or telefacsimile number may be substituted by the Seller/Servicer pursuant to the requirements of this paragraph 8, or Residential Funding pursuant to an amendment to the Guides. If to Residential Funding, notices must be sent to the appropriate address or telefacsimile number specified in the Guides. If to the Seller/Servicer, notice must be sent to: Attention: Telefacsimile Number: ( ) - 9. JURISDICTION AND VENUE. Each of the parties irrevocably submits to the jurisdiction of any state or federal court located in Hennepin County, Minnesota, over any action, suit or proceeding to enforce or defend any right under this Contract or otherwise arising from any loan sale or servicing relationship existing in connection with this Contract, and each of the parties irrevocably agrees that all claims in respect of any such action or proceeding may be heard or determined in such state or federal court. Each of the parties irrevocably waives the defense of an inconvenient forum to the maintenance of any such action or proceeding and any other substantive or procedural rights or remedies it may have with respect to the maintenance of any such action or proceeding in any such forum. Each of the parties agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in any other jurisdiction by suit on the judgment or in any other manner provided by law. Each of the parties further agrees not to institute any legal actions or proceedings against the other party or any director, officer, employee, attorney, agent or property of the other party, arising out of or relating to this Contract in any court other than as hereinabove specified in this paragraph 9. E-3 10. MISCELLANEOUS. This Contract, including all documents incorporated by reference herein, constitutes the entire understanding between the parties hereto and supersedes all other agreements, covenants, representations, warranties, understandings and communications between the parties, whether written or oral, with respect to the transactions contemplated by this Contract. All paragraph headings contained herein are for convenience only and shall not be construed as part of this Contract. Any provision of this Contract that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining portions hereof or affecting the validity or enforceability of such provision in any other jurisdiction, and, to this end, the provisions hereof are severable. This Contract shall be governed by, and construed and enforced in accordance with, applicable federal laws and the laws of the State of Minnesota. E-4 IN WITNESS WHEREOF, the duly authorized officers of the Seller/Servicer and Residential Funding have executed this Seller/Servicer Contract as of the date first above written. ATTEST: SELLER/SERVICER [Corporate Seal] (Name of Seller/Servicer) By: By: (Signature) (Signature) By: By: (Typed Name) (Typed Name) Title: Title: ======================================= ======================================= ATTEST: RESIDENTIAL FUNDING CORPORATION [Corporate Seal] By: By: (Signature) (Signature) By: By: (Typed Name) (Typed Name) Title: Title: E-5 EXHIBIT F FORMS OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. Pooling and Servicing Agreement Dated: Series#: Account#: Pool#: Loan#: MIN#: Borrower Name(s): Reason for Document Request: (circle one) Mortgage Loan Prepaid in Full Mortgage Loan Repurchased "We hereby certify that all amounts received or to be received in connection with such payments which are required to be deposited have been or will be so deposited as provided in the Pooling and Servicing Agreement." Residential Funding Corporation Authorized Signature ****************************************************************************** TO CUSTODIAN/TRUSTEE: Please acknowledge this request, and check off documents being enclosed with a copy of this form. You should retain this form for your files in accordance with the terms of the Pooling and Servicing Agreement. Enclosed Documents: [ ] Promissory Note [ ] Primary Insurance Policy [ ] Mortgage or Deed of Trust [ ] Assignment(s) of Mortgage or Deed of Trust [ ] Title Insurance Policy [ ] Other: Name: ______________ Title: Date: EXHIBIT G-1 FORM OF TRANSFER AFFIDAVIT AND AGREEMENT STATE OF ) ) ss.: COUNTY OF ) [NAME OF OFFICER], being first duly sworn, deposes and says: 1. That he is [Title of Officer] of [Name of Owner] (record or beneficial owner of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R (the "Owner")), a [savings institution] [corporation] duly organized and existing under the laws of [the State of ] [the United States], on behalf of which he makes this affidavit and agreement. 2. That the Owner (i) is not and will not be a "disqualified organization" or an electing large partnership as of [date of transfer] within the meaning of Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986, as amended (the "Code") or an electing large partnership under Section 775(a) of the Code, (ii) will endeavor to remain other than a disqualified organization for so long as it retains its ownership interest in the Class R Certificates, and (iii) is acquiring the Class R Certificates for its own account or for the account of another Owner from which it has received an affidavit and agreement in substantially the same form as this affidavit and agreement. (For this purpose, a "disqualified organization" means an electing large partnership under Section 775 of the Code, the United States, any state or political subdivision thereof, any agency or instrumentality of any of the foregoing (other than an instrumentality all of the activities of which are subject to tax and, except for the Federal Home Loan Mortgage Corporation, a majority of whose board of directors is not selected by any such governmental entity) or any foreign government, international organization or any agency or instrumentality of such foreign government or organization, any rural electric or telephone cooperative, or any organization (other than certain farmers' cooperatives) that is generally exempt from federal income tax unless such organization is subject to the tax on unrelated business taxable income). 3. That the Owner is aware (i) of the tax that would be imposed on transfers of Class R Certificates to disqualified organizations or electing large partnerships, under the Code, that applies to all transfers of Class R Certificates after March 31, 1988; (ii) that such tax would be on the transferor (or, with respect to transfers to electing large partnerships, on each such partnership), or, if such transfer is through an agent (which person includes a broker, nominee or middleman) for a disqualified organization, on the agent; (iii) that the person (other than with respect to transfers to electing large partnerships) otherwise liable for the tax shall be relieved of liability for the tax if the transferee furnishes to such person an affidavit that the transferee is not a disqualified organization and, at the time of transfer, such person does not have actual knowledge that the affidavit is false; and (iv) that the Class R Certificates may be "noneconomic residual interests" within the meaning of Treasury regulations promulgated pursuant to the Code and that the transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax. 4. That the Owner is aware of the tax imposed on a "pass-through entity" holding Class R Certificates if either the pass-through entity is an electing large partnership under Section 775 of the Code or if at any time during the taxable year of the pass-through entity a disqualified organization is the record holder of an interest in such entity. (For this purpose, a "pass through entity" includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives.) 5. The Owner is either (i) a citizen or resident of the United States, (ii) a corporation, partnership or other entity treated as a corporation or a partnership for U.S. federal income tax purposes and created or organized in or under the laws of the United States, any state thereof or the District of Columbia (other than a partnership that is not treated as a United States person under any applicable Treasury regulations), (iii) an estate that is described in Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section 7701(a)(30)(E) of the Code. 6. The Owner hereby agrees that it will not cause income from the Class R Certificates to be attributable to a foreign permanent establishment or fixed base (within the meaning of an applicable income tax treaty) of the Owner or another United States taxpayer. 7. That the Owner is aware that the Trustee will not register the transfer of any Class R Certificates unless the transferee, or the transferee's agent, delivers to it an affidavit and agreement, among other things, in substantially the same form as this affidavit and agreement. The Owner expressly agrees that it will not consummate any such transfer if it knows or believes that any of the representations contained in such affidavit and agreement are false. 8. That the Owner has reviewed the restrictions set forth on the face of the Class R Certificates and the provisions of Section 5.02(f) of the Pooling and Servicing Agreement under which the Class R Certificates were issued (in particular, clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the Trustee to deliver payments to a person other than the Owner and negotiate a mandatory sale by the Trustee in the event the Owner holds such Certificates in violation of Section 5.02(f)). The Owner expressly agrees to be bound by and to comply with such restrictions and provisions. 9. That the Owner consents to any additional restrictions or arrangements that shall be deemed necessary upon advice of counsel to constitute a reasonable arrangement to ensure that the Class R Certificates will only be owned, directly or indirectly, by an Owner that is not a disqualified organization. 10. The Owner's Taxpayer Identification Number is ____________________. 11. This affidavit and agreement relates only to the Class R Certificates held by the Owner and not to any other holder of the Class R Certificates. The Owner understands that the liabilities described herein relate only to the Class R Certificates. G-2-1 12. That no purpose of the Owner relating to the transfer of any of the Class R Certificates by the Owner is or will be to impede the assessment or collection of any tax; in making this representation, the Owner warrants that the Owner is familiar with (i) Treasury Regulation Section 1.860E-1(c) and recent amendments thereto, effective as of July 19, 2002, and (ii) the preamble describing the adoption of the amendments to such regulation, which is attached hereto as Exhibit 1. 13. That the Owner has no present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Certificates remain outstanding. In this regard, the Owner hereby represents to and for the benefit of the person from whom it acquired the Class R Certificate that the Owner intends to pay taxes associated with holding such Class R Certificate as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificate. 14. That the Owner has no present knowledge or expectation that it will become insolvent or subject to a bankruptcy proceeding for so long as any of the Class R Certificates remain outstanding. 15. The Purchaser is not an employee benefit plan or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Code, or an investment manager, named fiduciary or a trustee of any such plan, or any other Person acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any such plan. G-3-1 IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by its [Title of Officer] and its corporate seal to be hereunto attached, attested by its [Assistant] Secretary, this day of , 200 . [NAME OF OWNER] By: [Name of Officer] [Title of Officer] [Corporate Seal] ATTEST: [Assistant] Secretary Personally appeared before me the above-named [Name of Officer], known or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer] of the Owner, and acknowledged to me that he executed the same as his free act and deed and the free act and deed of the Owner. Subscribed and sworn before me this day of , 200 . NOTARY PUBLIC COUNTY OF STATE OF My Commission expires the ____day of ____, 20 . G-4-1 EXHIBIT 1 DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 1 and 602 [TD 9004] RIN 1545-AW98 Real Estate Mortgage Investment Conduits AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. ----------------------------------------------------------------------- SUMMARY: This document contains final regulations relating to safe harbor transfers of noneconomic residual interests in real estate mortgage investment conduits (REMICs). The final regulations provide additional limitations on the circumstances under which transferors may claim safe harbor treatment. DATES: Effective Date: These regulations are effective July 19, 2002. Applicability Date: For dates of applicability, see Sec. 1.860E- (1)(c)(10). FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940 (not a toll-free number). SUPPLEMENTARY INFORMATION: Paperwork Reduction Act G-5-1 The collection of information in this final rule has been reviewed and, pending receipt and evaluation of public comments, approved by the Office of Management and Budget (OMB) under 44 U.S.C. 3507 and assigned control number 1545-1675. The collection of information in this regulation is in Sec. 1.860E- 1(c)(5)(ii). This information is required to enable the IRS to verify that a taxpayer is complying with the conditions of this regulation. The collection of information is mandatory and is required. Otherwise, the taxpayer will not receive the benefit of safe harbor treatment as provided in the regulation. The likely respondents are businesses and other for-profit institutions. Comments on the collection of information should be sent to the Office of Management and Budget, Attn: Desk Officer for the Department of the Treasury, Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies to the Internal Revenue Service, Attn: IRS Reports Clearance Officer, W:CAR:MP:FP:S, Washington, DC 20224. Comments on the collection of information should be received by September 17, 2002. Comments are specifically requested concerning: Whether the collection of information is necessary for the proper performance of the functions of the Internal Revenue Service, including whether the information will have practical utility; The accuracy of the estimated burden associated with the collection of information (see below); How the quality, utility, and clarity of the information to be collected may be enhanced; How the burden of complying with the collection of information may be minimized, including through the application of automated collection techniques or other forms of information technology; and Estimates of capital or start-up costs and costs of operation, maintenance, and purchase of service to provide information. An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a valid control number assigned by the Office of Management and Budget. The estimated total annual reporting burden is 470 hours, based on an estimated number of respondents of 470 and an estimated average annual burden hours per respondent of one hour. G-6-1 Books or records relating to a collection of information must be retained as long as their contents may become material in the administration of any internal revenue law. Generally, tax returns and tax return information are confidential, as required by 26 U.S.C. 6103. Background This document contains final regulations regarding the proposed amendments to 26 CFR part 1 under section 860E of the Internal Revenue Code (Code). The regulations provide the circumstances under which a transferor of a noneconomic REMIC residual interest meeting the investigation and representation requirements may avail itself of the safe harbor by satisfying either the formula test or the asset test. Final regulations governing REMICs, issued in 1992, contain rules governing the transfer of noneconomic REMIC residual interests. In general, a transfer of a noneconomic residual interest is disregarded for all tax purposes if a significant purpose of the transfer is to [[Page 47452]] enable the transferor to impede the assessment or collection of tax. A purpose to impede the assessment or collection of tax (a wrongful purpose) exists if the transferor, at the time of the transfer, either knew or should have known that the transferee would be unwilling or unable to pay taxes due on its share of the REMIC's taxable income. Under a safe harbor, the transferor of a REMIC noneconomic residual interest is presumed not to have a wrongful purpose if two requirements are satisfied: (1) the transferor conducts a reasonable investigation of the transferee's financial condition (the investigation requirement); and (2) the transferor secures a representation from the transferee to the effect that the transferee understands the tax obligations associated with holding a residual interest and intends to pay those taxes (the representation requirement). The IRS and Treasury have been concerned that some transferors of noneconomic residual interests claim they satisfy the safe harbor even in situations where the economics of the transfer clearly indicate the transferee is unwilling or unable to pay the tax associated with holding the interest. For this reason, on February 7, 2000, the IRS published in the Federal Register (65 FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed G-7-1 to clarify the safe harbor by adding the "formula test," an economic test. The proposed regulation provides that the safe harbor is unavailable unless the present value of the anticipated tax liabilities associated with holding the residual interest does not exceed the sum of: (1) The present value of any consideration given to the transferee to acquire the interest; (2) the present value of the expected future distributions on the interest; and (3) the present value of the anticipated tax savings associated with holding the interest as the REMIC generates losses. The notice of proposed rulemaking also contained rules for FASITs. Section 1.860H-6(g) of the proposed regulations provides requirements for transfers of FASIT ownership interests and adopts a safe harbor by reference to the safe harbor provisions of the REMIC regulations. In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to set forth an alternative safe harbor that taxpayers could use while the IRS and the Treasury considered comments on the proposed regulations. Under the alternative safe harbor, if a transferor meets the investigation requirement and the representation requirement but the transfer fails to meet the formula test, the transferor may invoke the safe harbor if the transferee meets a two- prong test (the asset test). A transferee generally meets the first prong of this test if, at the time of the transfer, and in each of the two years preceding the year of transfer, the transferee's gross assets exceed $100 million and its net assets exceed $10 million. A transferee generally meets the second prong of this test if it is a domestic, taxable corporation and agrees in writing not to transfer the interest to any person other than another domestic, taxable corporation that also satisfies the requirements of the asset test. A transferor cannot rely on the asset test if the transferor knows, or has reason to know, that the transferee will not comply with its written agreement to limit the restrictions on subsequent transfers of the residual interest. Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the case of a transfer or assignment of a noneconomic residual interest to a foreign branch of an otherwise eligible transferee. If such a transfer or assignment were permitted, a corporate taxpayer might seek to claim that the provisions of an applicable income tax treaty would resource excess inclusion income as G-8-1 foreign source income, and that, as a consequence, any U.S. tax liability attributable to the excess inclusion income could be offset by foreign tax credits. Such a claim would impede the assessment or collection of U.S. tax on excess inclusion income, contrary to the congressional purpose of assuring that such income will be taxable in all events. See, e.g., sections 860E(a)(1), (b), (e) and 860G(b) of the Code. The Treasury and the IRS have learned that certain taxpayers transferring noneconomic residual interests to foreign branches have attempted to rely on the formula test to obtain safe harbor treatment in an effort to impede the assessment or collection of U.S. tax on excess inclusion income. Accordingly, the final regulations provide that if a noneconomic residual interest is transferred to a foreign permanent establishment or fixed base of a U.S. taxpayer, the transfer is not eligible for safe harbor treatment under either the asset test or the formula test. The final regulations also require a transferee to represent that it will not cause income from the noneconomic residual interest to be attributable to a foreign permanent establishment or fixed base. Section 1.860E-1(c)(8) provides computational rules that a taxpayer may use to qualify for safe harbor status under the formula test. Section 1.860E-1(c)(8)(i) provides that the transferee is presumed to pay tax at a rate equal to the highest rate of tax specified in section 11(b). Some commentators were concerned that this presumed rate of taxation was too high because it does not take into consideration taxpayers subject to the alternative minimum tax rate. In light of the comments received, this provision has been amended in the final regulations to allow certain transferees that compute their taxable income using the alternative minimum tax rate to use the alternative minimum tax rate applicable to corporations. Additionally, Sec. 1.860E-1(c)(8)(iii) provides that the present values in the formula test are to be computed using a discount rate equal to the applicable Federal short-term rate prescribed by section 1274(d). This is a change from the proposed regulation and Rev. Proc. 2001-12. In those publications the provision stated that "present values are computed using a discount rate equal to the applicable Federal rate prescribed in section 1274(d) compounded semiannually" and that "[a] lower discount rate may be used if the transferee can demonstrate that it regularly borrows, in the course of its trade G-9-1 or business, substantial funds at such lower rate from an unrelated third party." The IRS and the Treasury Department have learned that, based on this provision, certain taxpayers have been attempting to use unrealistically low or zero interest rates to satisfy the formula test, frustrating the intent of the test. Furthermore, the Treasury Department and the IRS believe that a rule allowing for a rate other than a rate based on an objective index would add unnecessary complexity to the safe harbor. As a result, the rule in the proposed regulations that permits a transferee to use a lower discount rate, if the transferee can demonstrate that it regularly borrows substantial funds at such lower rate, is not included in the final regulations; and the Federal short-term rate has been substituted for the applicable Federal rate. To simplify taxpayers' computations, the final regulations allow use of any of the published short-term rates, provided that the present values are computed with a corresponding period of compounding. With the exception of the provisions relating to transfers to foreign branches, these changes generally have the proposed applicability date of February 4, 2000, but taxpayers may choose to apply the interest rate formula set forth in the proposed regulation and Rev. Proc. 2001-12 for transfers occurring before August 19, 2002. It is anticipated that when final regulations are adopted with respect to [[Page 47453]] FASITs, Sec. 1.860H-6(g) of the proposed regulations will be adopted in substantially its present form, with the result that the final regulations contained in this document will also govern transfers of FASIT ownership interests with substantially the same applicability date as is contained in this document. Effect on Other Documents G-10-1 Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of noneconomic residual interests in REMICs occurring on or after August 19, 2002. Special Analyses It is hereby certified that these regulations will not have a significant economic impact on a substantial number of small entities. This certification is based on the fact that it is unlikely that a substantial number of small entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility Analysis under the Regulatory Flexibility Act (5 U.S.C. chapter 6) is not required. It has been determined that this Treasury decision is not a significant regulatory action as defined in Executive Order 12866. Therefore, a regulatory assessment is not required. It also has been determined that sections 553(b) and 553(d) of the Administrative Procedure Act (5 U.S.C. chapter 5) do not apply to these regulations. Drafting Information The principal author of these regulations is Courtney Shepardson. However, other personnel from the IRS and Treasury Department participated in their development. List of Subjects 26 CFR Part 1 Income taxes, Reporting and record keeping requirements. 26 CFR Part 602 Reporting and record keeping requirements. Adoption of Amendments to the Regulations Accordingly, 26 CFR parts 1 and 602 are amended as follows: G-11-1 PART 1--INCOME TAXES Paragraph 1. The authority citation for part 1 continues to read in part as follows: Authority: 26 U.S.C. 7805 * * * G-12-1 EXHIBIT G-2 FORM OF TRANSFEROR CERTIFICATE ______________ , 20 Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 __________________ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by (the "Seller") to (the "Purchaser") of $ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R (the "Certificates"), pursuant to Section 5.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer (the "Master Servicer"), and __________________, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that: 1. No purpose of the Seller relating to the transfer of the Certificate by the Seller to the Purchaser is or will be to impede the assessment or collection of any tax. 2. The Seller understands that the Purchaser has delivered to the Trustee and the Master Servicer a transfer affidavit and agreement in the form attached to the Pooling and Servicing Agreement as Exhibit G-1. The Seller does not know or believe that any representation contained therein is false. 3. The Seller has at the time of the transfer conducted a reasonable investigation of the financial condition of the Purchaser as contemplated by Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result of that investigation, the Seller has determined that the Purchaser has historically paid its debts as they become due and has found no significant evidence to indicate that the Purchaser will not continue to pay its debts as they become due in the future. The Seller understands that the transfer of a Class R Certificate may not be respected for United States income tax purposes (and the Seller may continue to be liable for United States income taxes associated therewith) unless the Seller has conducted such an investigation. 4. The Seller has no actual knowledge that the proposed Transferee is not both a United States Person and a Permitted Transferee. Very truly yours, (Seller) By: Name: Title: G-2-2 EXHIBIT H FORM OF INVESTOR REPRESENTATION LETTER _______________, 20 Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 __________________ __________________ __________________ Residential Funding Corporation 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 Attention: Residential Funding Corporation Series ____-___ RE: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, [Class B-] Ladies and Gentlemen: _____________ (the "Purchaser") intends to purchase from ________________(the "Seller") $_____________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer (the "Master Servicer"), and __________________, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Purchaser hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee and the Master Servicer that: 1. The Purchaser understands that (a) the Certificates have not been and will not be registered or qualified under the Securities Act of 1933, as amended (the "Act") or any state securities law, (b) the Company is not required to so register or qualify the Certificates, (c) the Certificates may be resold only if registered and qualified pursuant to the provisions of the Act or any state securities law, or if an exemption from such registration and qualification is available, (d) the Pooling and Servicing Agreement contains restrictions regarding the transfer of the Certificates and (e) the Certificates will bear a legend to the foregoing effect. 2. The Purchaser is acquiring the Certificates for its own account for investment only and not with a view to or for sale in connection with any distribution thereof in any manner that would violate the Act or any applicable state securities laws. 3. The Purchaser is (a) a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters, and, in particular, in such matters related to securities similar to the Certificates, such that it is capable of evaluating the merits and risks of investment in the Certificates, (b) able to bear the economic risks of such an investment and (c) an "accredited investor" within the meaning of Rule 501(a) promulgated pursuant to the Act. 4. The Purchaser has been furnished with, and has had an opportunity to review (a) [a copy of the Private Placement Memorandum, dated ___________, 20_________ , relating to the Certificates (b)] a copy of the Pooling and Servicing Agreement and [b] [c] such other information concerning the Certificates, the Mortgage Loans and the Company as has been requested by the Purchaser from the Company or the Seller and is relevant to the Purchaser's decision to purchase the Certificates. The Purchaser has had any questions arising from such review answered by the Company or the Seller to the satisfaction of the Purchaser. [If the Purchaser did not purchase the Certificates from the Seller in connection with the initial distribution of the Certificates and was provided with a copy of the Private Placement Memorandum (the "Memorandum") relating to the original sale (the "Original Sale") of the Certificates by the Company, the Purchaser acknowledges that such Memorandum was provided to it by the Seller, that the Memorandum was prepared by the Company solely for use in connection with the Original Sale and the Company did not participate in or facilitate in any way the purchase of the Certificates by the Purchaser from the Seller, and the Purchaser agrees that it will look solely to the Seller and not to the Company with respect to any damage, liability, claim or expense arising out of, resulting from or in connection with (a) error or omission, or alleged error or omission, contained in the Memorandum, or (b) any information, development or event arising after the date of the Memorandum.] 5. The Purchaser has not and will not nor has it authorized or will it authorize any person to (a) offer, pledge, sell, dispose of or otherwise transfer any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition of other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) otherwise approach or negotiate with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) make any general solicitation by means of general advertising or in any other manner or (e) take any other action, that (as to any of (a) through (e) above) would constitute a distribution of any Certificate under the Act, that would render the disposition of H-2 any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Purchaser will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement. 6. The Purchaser (a) is not an employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or (b) is an insurance company, the source of funds to be used by it to purchase the Certificates is an "insurance company general account" (within the meaning of DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60. In addition, the Purchaser hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee and the Master Servicer that the Purchaser will not transfer such Certificates to any Plan or person unless such Plan or person meets the requirements set forth in either 6(a) or (b) above. Very truly yours, By: Name: Title: H-3 EXHIBIT I FORM OF TRANSFEROR REPRESENTATION LETTER ________________, 20 Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 __________________ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, [Class B-] Ladies and Gentlemen: In connection with the sale by ___________ (the "Seller") to ________________ (the "Purchaser") of $____________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and __________________, as trustee (the "Trustee"). The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that: Neither the Seller nor anyone acting on its behalf has (a) offered, pledged, sold, disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge, disposition or other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) has otherwise approached or negotiated with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) has made any general solicitation by means of general advertising or in any other manner, or (e) has taken any other action, that (as to any of (a) through (e) above) would constitute a distribution of the Certificates under the Securities Act of 1933 (the "Act"), that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Seller will not act, in any manner set forth in the foregoing sentence with respect to any Certificate. The Seller has not and will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement. Very truly yours, (Seller) By: Name: Title: EXHIBIT J [FORM OF RULE 144A INVESTMENT REPRESENTATION] Description of Rule 144A Securities, including numbers: ________________________________________________________________________ The undersigned seller, as registered holder (the "Seller"), intends to transfer the Rule 144A Securities described above to the undersigned buyer (the "Buyer"). 1. In connection with such transfer and in accordance with the agreements pursuant to which the Rule 144A Securities were issued, the Seller hereby certifies the following facts: Neither the Seller nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the Securities Act of 1933, as amended (the "1933 Act"), or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, and that the Seller has not offered the Rule 144A Securities to any person other than the Buyer or another "qualified institutional buyer" as defined in Rule 144A under the 1933 Act. 2. The Buyer warrants and represents to, and covenants with, the Seller, the Trustee and the Master Servicer (as defined in the Pooling and Servicing Agreement (the "Agreement"), dated as of ___________ 1, ____ among Residential Funding Corporation as Master Servicer, Residential Accredit Loans, Inc. as depositor pursuant to Section 5.02 of the Agreement and __________________, as trustee, as follows: (a) The Buyer understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any state. (b) The Buyer considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities. (c) The Buyer has been furnished with all information regarding the Rule 144A Securities that it has requested from the Seller, the Trustee or the Servicer. (d) Neither the Buyer nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the 1933 Act or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, nor will it act, nor has it authorized or will it authorize any person to act, in such manner with respect to the Rule 144A Securities. (e) The Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the 1933 Act and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. The Buyer is aware that the sale to it is being made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A Securities for its own account or the accounts of other qualified institutional buyers, understands that such Rule 144A Securities may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the 1933 Act. [3. The Buyer (a) is not an employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or (b) is an insurance company, the source of funds to be used by it to purchase the Certificates is an "insurance company general account" (within the meaning of DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60.] 4. This document may be executed in one or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an original; such counterparts, together, shall constitute one and the same document. IN WITNESS WHEREOF, each of the parties has executed this document as of the date set forth below. Print Name of Seller Print Name of Buyer By: By: Name: Name: Title: Title: Taxpayer Identification Taxpayer Identification: No. No: Date: Date: J-2 ANNEX 1 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers Other Than Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 1. As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer. 2. In connection with purchases by the Buyer, the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a discretionary basis $ in securities (except for the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below. -- Corporation, etc. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code. -- Bank. The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto. -- Savings and Loan. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements. -- Broker-Dealer. The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934. -- Insurance Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State or territory or the District of Columbia. -- State or Local Plan. The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees. -- ERISA Plan. The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974. -- Investment Adviser. The Buyer is an investment adviser registered under the Investment Advisers Act of 1940. -- SBIC. The Buyer is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958. -- Business Development Company. The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940. -- Trust Fund. The Buyer is a trust fund whose trustee is a bank or trust company and whose participants are exclusively (a) plans established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of the Employee Retirement Income Security Act of 1974, but is not a trust fund that includes as participants individual retirement accounts or H.R. 10 plans. 3. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps. 4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph. Further, in determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Buyer's direction. However, such securities were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a reporting company under the Securities Exchange Act of 1934. 5. The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A. Will the Buyer be purchasing the Rule 144A Yes No Securities only for the Buyer's own account? 6. If the answer to the foregoing question is "no", the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third party that at the time is a "qualified institutional buyer" within the meaning of Rule 144A. In addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of "qualified institutional buyer" set forth in Rule 144A. 7. The Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of such purchase. Print Name of Buyer By: Name: Title: Date: ANNEX 2 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers That Are Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 8. As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser. 9. In connection with purchases by Buyer, the Buyer is a "qualified institutional buyer" as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer's Family of Investment Companies, the cost of such securities was used. -- The Buyer owned $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). -- The Buyer is part of a Family of Investment Companies which owned in the aggregate $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). 10. The term "Family of Investment Companies" as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other). 11. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps. 12. The Buyer is familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer's own account. 13. The undersigned will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. Print Name of Buyer By: Name: Title: IF AN ADVISER: Print Name of Buyer Date: EXHIBIT K [TEXT OF AMENDMENT TO POOLING AND SERVICING AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A LIMITED GUARANTY] ARTICLE XII Subordinate Certificate Loss Coverage; Limited Guaranty Section 12.01. Subordinate Certificate Loss Coverage; Limited Guaranty. (a) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether it or any Sub-Servicer will be entitled to any reimbursement pursuant to Section 4.02(a) on such Distribution Date for Advances or Sub-Servicer Advances previously made, (which will not be Advances or Sub-Servicer Advances that were made with respect to delinquencies which were subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the Master Servicer shall demand payment from Residential Funding of an amount equal to the amount of any Advances or Sub-Servicer Advances reimbursed pursuant to Section 4.02(a), to the extent such Advances or Sub-Servicer Advances have not been included in the amount of the Realized Loss in the related Mortgage Loan, and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a). (b) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether any Realized Losses (other than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses) will be allocated to the Class B Certificates on such Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer shall demand payment from Residential Funding of the amount of such Realized Loss and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a); provided, however, that the amount of such demand in respect of any Distribution Date shall in no event be greater than the sum of (i) the additional amount of Accrued Certificate Interest that would have been paid for the Class B Certificateholders on such Distribution Date had such Realized Loss or Losses not occurred plus (ii) the amount of the reduction in the Certificate Principal Balances of the Class B Certificates on such Distribution Date due to such Realized Loss or Losses. Notwithstanding such payment, such Realized Losses shall be deemed to have been borne by the Certificateholders for purposes of Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates will not be covered by the Subordinate Certificate Loss Obligation. (c) Demands for payments pursuant to this Section shall be made prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date by the Master Servicer with written notice thereof to the Trustee. The maximum amount that Residential Funding shall be required to pay pursuant to this Section on any Distribution Date (the "Amount Available") shall be equal to the lesser of (X) minus the sum of (i) all previous payments made under subsections (a) and (b) hereof and (ii) all draws under the Limited Guaranty made in lieu of such payments as described below in subsection (d) and (Y) the then outstanding Certificate Principal Balances of the Class B Certificates, or such lower amount as may be established pursuant to Section 12.02. Residential Funding's obligations as described in this Section are referred to herein as the "Subordinate Certificate Loss Obligation." (d) The Trustee will promptly notify General Motors Acceptance Corporation of any failure of Residential Funding to make any payments hereunder and shall demand payment pursuant to the limited guaranty (the "Limited Guaranty"), executed by General Motors Acceptance Corporation, of Residential Funding's obligation to make payments pursuant to this Section, in an amount equal to the lesser of (i) the Amount Available and (ii) such required payments, by delivering to General Motors Acceptance Corporation a written demand for payment by wire transfer, not later than the second Business Day prior to the Distribution Date for such month, with a copy to the Master Servicer. (e) All payments made by Residential Funding pursuant to this Section or amounts paid under the Limited Guaranty shall be deposited directly in the Certificate Account, for distribution on the Distribution Date for such month to the Class B Certificateholders. (f) The Company shall have the option, in its sole discretion, to substitute for either or both of the Limited Guaranty or the Subordinate Certificate Loss Obligation another instrument in the form of a corporate guaranty, an irrevocable letter of credit, a surety bond, insurance policy or similar instrument or a reserve fund; provided that (i) the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision) an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that obtaining such substitute corporate guaranty, irrevocable letter of credit, surety bond, insurance policy or similar instrument or reserve fund will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860(F)(a)(1) of the Code or on "contributions after the startup date" under Section 860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding, and (ii) no such substitution shall be made unless (A) the substitute Limited Guaranty or Subordinate Certificate Loss Obligation is for an initial amount not less than the then current Amount Available and contains provisions that are in all material respects equivalent to the original Limited Guaranty or Subordinate Certificate Loss Obligation (including that no portion of the fees, reimbursements or other obligations under any such instrument will be borne by the Trust Fund), (B) the long term debt obligations of any obligor of any substitute Limited Guaranty or Subordinate Certificate Loss Obligation (if not supported by the Limited Guaranty) shall be rated at least the lesser of (a) the rating of the long term debt obligations of General Motors Acceptance Corporation as of the date of issuance of the Limited Guaranty and (b) the rating of the long term debt obligations of General Motors Acceptance Corporation at the date of such substitution and (C) the Company obtains written confirmation from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company that such substitution shall not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency. Any replacement of the Limited Guaranty or Subordinate Certificate Loss Obligation pursuant to this Section shall be accompanied by a written Opinion of Counsel to the substitute guarantor or obligor, addressed to the Master Servicer and the Trustee, that such substitute instrument constitutes a legal, valid and binding obligation of the substitute guarantor or obligor, enforceable in accordance with its terms, and concerning such other matters as the Master Servicer and the Trustee shall reasonably request. Neither the Company, the Master Servicer nor the Trustee shall be obligated to substitute for or replace the Limited Guaranty or Subordinate Certificate Loss Obligation under any circumstance. Section 12.02. Amendments Relating to the Limited Guaranty. Notwithstanding Sections 11.01 or 12.01: (i) the provisions of this Article XII may be amended, superseded or deleted, (ii) the Limited Guaranty or Subordinate Certificate Loss Obligation may be amended, reduced or canceled, and (iii) any other provision of this Agreement which is related or incidental to the matters described in this Article XII may be amended in any manner; in each case by written instrument executed or consented to by the Company and Residential Funding but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of, the Master Servicer or the Trustee, as applicable; provided that the Company shall also obtain a letter from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company to the effect that such amendment, reduction, deletion or cancellation will not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency, unless (A) the Holder of 100% of the Class B Certificates is Residential Funding or an Affiliate of Residential Funding, or (B) such amendment, reduction, deletion or cancellation is made in accordance with Section 11.01(e) and, provided further that the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision), in the case of a material amendment or supercession (but not a reduction, cancellation or deletion of the Limited Guaranty or the Subordinate Certificate Loss Obligation), an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment or supercession will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding. A copy of any such instrument shall be provided to the Trustee and the Master Servicer together with an Opinion of Counsel that such amendment complies with this Section 12.02. EXHIBIT L [FORM OF LIMITED GUARANTY] LIMITED GUARANTY RESIDENTIAL ACCREDIT LOANS, INC. Mortgage Asset-Backed Pass-Through Certificates Series ____-___ _________,200__ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Ladies and Gentlemen: WHEREAS, Residential Funding Corporation, a Delaware corporation ("Residential Funding"), an indirect wholly-owned subsidiary of General Motors Acceptance Corporation, a New York corporation ("GMAC"), plans to incur certain obligations as described under Section 12.01 of the Pooling and Servicing Agreement dated as of ___________ 1, ____ (the "Servicing Agreement"), among Residential Accredit Loans, Inc. (the "Company"), Residential Funding and __________________ (the "Trustee") as amended by Amendment No. thereto, dated as of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ (the "Certificates"); and WHEREAS, pursuant to Section 12.01 of the Servicing Agreement, Residential Funding agrees to make payments to the Holders of the Class B Certificates with respect to certain losses on the Mortgage Loans as described in the Servicing Agreement; and WHEREAS, GMAC desires to provide certain assurances with respect to the ability of Residential Funding to secure sufficient funds and faithfully to perform its Subordinate Certificate Loss Obligation; NOW THEREFORE, in consideration of the premises herein contained and certain other good and valuable consideration, the receipt of which is hereby acknowledged, GMAC agrees as follows: 1. Provision of Funds. (a) GMAC agrees to contribute and deposit in the Certificate Account on behalf of Residential Funding (or otherwise provide to Residential Funding, or to cause to be made available to Residential Funding), either directly or through a subsidiary, in any case prior to the related Distribution Date, such moneys as may be required by Residential Funding to perform its Subordinate Certificate Loss Obligation when and as the same arises from time to time upon the demand of the Trustee in accordance with Section 12.01 of the Servicing Agreement. (b) The agreement set forth in the preceding clause (a) shall be absolute, irrevocable and unconditional and shall not be affected by the transfer by GMAC or any other person of all or any part of its or their interest in Residential Funding, by any insolvency, bankruptcy, dissolution or other proceeding affecting Residential Funding or any other person, by any defense or right of counterclaim, set-off or recoupment that GMAC may have against Residential Funding or any other person or by any other fact or circumstance. Notwithstanding the foregoing, GMAC's obligations under clause (a) shall terminate upon the earlier of (x) substitution for this Limited Guaranty pursuant to Section 12.01(f) of the Servicing Agreement, or (y) the termination of the Trust Fund pursuant to the Servicing Agreement. 2. Waiver. GMAC hereby waives any failure or delay on the part of Residential Funding, the Trustee or any other person in asserting or enforcing any rights or in making any claims or demands hereunder. Any defective or partial exercise of any such rights shall not preclude any other or further exercise of that or any other such right. GMAC further waives demand, presentment, notice of default, protest, notice of acceptance and any other notices with respect to this Limited Guaranty, including, without limitation, those of action or nonaction on the part of Residential Funding or the Trustee. 3. Modification, Amendment and Termination. This Limited Guaranty may be modified, amended or terminated only by the written agreement of GMAC and the Trustee and only if such modification, amendment or termination is permitted under Section 12.02 of the Servicing Agreement. The obligations of GMAC under this Limited Guaranty shall continue and remain in effect so long as the Servicing Agreement is not modified or amended in any way that might affect the obligations of GMAC under this Limited Guaranty without the prior written consent of GMAC. 4. Successor. Except as otherwise expressly provided herein, the guarantee herein set forth shall be binding upon GMAC and its respective successors. 5. Governing Law. This Limited Guaranty shall be governed by the laws of the State of New York. 6. Authorization and Reliance. GMAC understands that a copy of this Limited Guaranty shall be delivered to the Trustee in connection with the execution of Amendment No. 1 to the Servicing Agreement and GMAC hereby authorizes the Company and the Trustee to rely on the covenants and agreements set forth herein. 7. Definitions. Capitalized terms used but not otherwise defined herein shall have the meaning given them in the Servicing Agreement. 8. Counterparts. This Limited Guaranty may be executed in any number of counterparts, each of which shall be deemed to be an original and such counterparts shall constitute but one and the same instrument. IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to be executed and delivered by its respective officers thereunto duly authorized as of the day and year first above written. GENERAL MOTORS ACCEPTANCE CORPORATION By: Name: Title: Acknowledged by: __________________, as Trustee By: Name: Title: RESIDENTIAL ACCREDIT LOANS, INC. By: Name: Title: EXHIBIT M FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN _______________ , 20 Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 __________________ __________________ __________________ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ Assignment of Mortgage Loan Ladies and Gentlemen: This letter is delivered to you in connection with the assignment by (the "Trustee") to (the "Lender") of (the "Mortgage Loan") pursuant to Section 3.13(d) of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and the Trustee. All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Lender hereby certifies, represents and warrants to, and covenants with, the Master Servicer and the Trustee that: (i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction in which an assignment in lieu of satisfaction is required to preserve lien priority, minimize or avoid mortgage recording taxes or otherwise comply with, or facilitate a refinancing under, the laws of such jurisdiction; (ii) the substance of the assignment is, and is intended to be, a refinancing of such Mortgage Loan and the form of the transaction is solely to comply with, or facilitate the transaction under, such local laws; (iii) the Mortgage Loan following the proposed assignment will be modified to have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iv) such assignment is at the request of the borrower under the related Mortgage Loan. Very truly yours, (Lender) By: Name: Title: EXHIBIT N FORM OF REQUEST FOR EXCHANGE [DATE] __________________ __________________ __________________ Re: Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ Residential Funding Corporation, as the Holder of a % Percentage Interest of the [Interest Only/Class A-V][-1] Certificates, hereby requests the Trustee to exchange the above-referenced Certificates for the Subclasses referred to below: 1. [Interest Only/Class A-V]- Certificates, corresponding to the following Uncertificated REMIC Regular Interests: [List numbers corresponding to the related loans and Pool Strip Rates from the Mortgage Loan Schedule]. The initial Subclass Notional Amount and the Initial Pass-Through Rate on the [Interest Only/Class A-V]- Certificates will be $ and %, respectively. 2. [Repeat as appropriate.] The Subclasses requested above will represent in the aggregate all of the Uncertificated REMIC Regular Interests represented by the [Interest Only/Class A-V][-1] Certificates surrendered for exchange. All capitalized terms used but not defined herein shall have the meanings set forth in the Pooling and Servicing Agreement, dated as of ___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding Corporation and __________________, as trustee. RESIDENTIAL FUNDING CORPORATION By: Name: Title: EXHIBIT O Form of Form 10-K Certification I, [identify the certifying individual], certify that: 1. I have reviewed the annual report on Form 10-K for the fiscal year [____], and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by that annual report, of the trust (the "Trust") created pursuant to the Series Supplement dated ___________________ to the Standard Terms of Pooling and Servicing Agreement dated ____________________ (together, the "P&S Agreement") among Residential Accredit Loans, Inc. (the "Company"), Residential Funding Corporation (the "Master Servicer") and [Name of Trustee] (the "Trustee"); 2. Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by this annual report; 3. Based on my knowledge, the servicing information required to be provided to the Trustee by the Master Servicer under the P&S Agreement for inclusion in these reports is included in these reports; 4. I am responsible for reviewing the activities performed by the Master Servicer under the P&S Agreement and based upon my knowledge and the annual compliance review required under the P&S Agreement, and, except as disclosed in the reports, the Master Servicer has fulfilled its obligations under the P&S Agreement; and 5. The reports disclose all significant deficiencies relating to the Master Servicer's compliance with the minimum servicing standards based upon the report provided by an independent public accountant, after conducting a review in compliance with the Uniform Single Attestation Program for Mortgage Bankers as set forth in the P&S Agreement, that is included in these reports. In giving the certifications above, I have reasonably relied on the information provided to me by the following unaffiliated parties: [the Trustee]. Date:_______________________ ____________________________* Name: Title: * to be signed by the senior officer in charge of the servicing functions of the Master Servicer EXHIBIT P [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE] The undersigned, a Responsible Officer of [_________] (the "Trustee") certifies that: (a) The Trustee has performed all of the duties specifically required to be performed by it pursuant to the provisions of the Pooling and Servicing Agreement dated as of [_________], 20[__] (the "Agreement") by and among [__________], as depositor, Residential Funding Corporation, as master servicer, and the Trustee in accordance with the standards set forth therein. (b) Based on my knowledge, the list of Certificateholders as shown on the Certificate Register as of the end of each calendar year that is provided by the Trustee pursuant to the Agreement is accurate as of the last day of the 20[__] calendar year. Capitalized terms used and not defined herein shall have the meanings given such terms in the Agreement. IN WITNESS WHEREOF, I have duly executed this certificate as of _________, 20__.] Name: Title: EXHIBIT Q INFORMATION TO BE PROVIDED BY THE MASTER SERVICER TO THE RATING AGENCIES RELATING TO REPORTABLE MODIFIED MORTGAGE LOANS Account number Transaction Identifier Unpaid Principal Balance prior to Modification Next Due Date Monthly Principal and Interest Payment Total Servicing Advances Current Interest Rate Original Maturity Date Original Term to Maturity (Months) Remaining Term to Maturity (Months) Trial Modification Indicator Mortgagor Equity Contribution Total Servicer Advances Trial Modification Term (Months) Trial Modification Start Date Trial Modification End Date Trial Modification Period Principal and Interest Payment Trial Modification Interest Rate Trial Modification Term Rate Reduction Indicator Interest Rate Post Modification Rate Reduction Start Date Rate Reduction End Date Rate Reduction Term Term Modified Indicator Modified Amortization Period Modified Final Maturity Date Total Advances Written Off Unpaid Principal Balance Written Off Other Past Due Amounts Written Off Write Off Date Unpaid Principal Balance Post Write Off Capitalization Indicator Mortgagor Contribution Total Capitalized Amount Modification Close Date Unpaid Principal Balance Post Capitalization Modification Next Payment Due Date per Modification Plan Principal and Interest Payment Post Modification Interest Rate Post Modification Payment Made Post Capitalization Delinquency Status to Modification Plan
EXHIBIT FIVE AGGREGATE PLANNED PRINCIPAL BALANCES AND TARGETED PRINCIPAL BALANCES SCHEDULE I SCHEDULE II SCHEDULE III --------------------- --------------------- --------------------- --------------------- --------------------- --------------------- AGGREGATE PLANNED PRINCIPAL BALANCES FOR CLASS A-1, CLASS TARGETED PRINCIPAL TARGETED PRINCIPAL A-2, CLASS A-3, BALANCES FOR BALANCES FOR CLASS A-4 AND CLASS CLASS A-6 CLASS A-7 DISTRIBUTION DATE A-12 CERTIFICATES CERTIFICATES CERTIFICATES Initial Balance $127,561,000.00 $61,153,100.00 $11,000,000.00 July 2004 125,692,930.74 61,102,683.33 11,050,416.67 August 2004 123,838,190.10 61,052,035.59 11,101,064.41 September 2004 121,996,864.34 60,883,741.67 11,151,944.29 October 2004 120,168,860.39 60,335,244.00 11,203,057.37 November 2004 118,354,085.82 59,563,777.95 11,254,404.71 December 2004 116,552,448.86 58,574,108.99 11,305,987.40 January 2005 114,763,858.35 57,371,612.22 11,357,806.51 February 2005 112,988,223.81 55,962,259.53 11,409,863.12 March 2005 111,225,455.35 54,352,603.72 11,462,158.33 April 2005 109,475,463.72 52,549,759.70 11,514,693.22 May 2005 107,738,160.32 50,561,382.72 11,567,468.90 June 2005 106,013,457.13 48,623,153.09 11,620,486.46 July 2005 104,301,266.76 46,734,096.66 11,673,747.03 August 2005 102,601,502.44 44,893,256.38 11,727,251.70 September 2005 100,914,078.00 43,099,692.01 11,781,001.60 October 2005 99,238,907.87 41,352,479.86 11,834,997.86 November 2005 97,575,907.07 39,650,712.49 11,889,241.60 December 2005 95,924,991.22 37,993,498.45 11,943,733.96 January 2006 94,286,076.54 36,379,961.97 11,998,476.07 February 2006 92,659,079.83 34,809,242.74 12,053,469.09 March 2006 91,043,918.45 33,280,495.61 12,108,714.16 April 2006 89,440,510.38 31,792,890.38 12,164,212.43 May 2006 87,848,774.13 30,345,611.49 12,219,965.07 June 2006 86,268,628.80 28,937,857.79 12,275,973.24 July 2006 84,699,994.06 27,568,842.34 12,332,238.12 August 2006 83,142,790.14 26,237,792.08 12,388,760.88 September 2006 81,596,937.82 24,943,947.67 12,445,542.70 October 2006 80,062,358.43 23,686,563.24 12,502,584.77 November 2006 78,538,973.87 22,464,906.13 12,559,888.28 December 2006 77,026,706.56 21,278,256.69 12,617,454.44 January 2007 75,525,479.49 20,125,908.05 12,675,284.44 February 2007 74,035,216.18 19,007,165.93 12,733,379.49 March 2007 72,555,840.66 17,921,348.36 12,791,740.81 April 2007 71,087,277.53 16,867,785.54 12,850,369.63 May 2007 69,629,451.89 15,845,819.59 12,909,267.15 June 2007 68,182,289.39 14,854,804.37 12,968,434.63 July 2007 $66,745,716.16 $13,894,105.26 $13,027,873.29 August 2007 65,319,658.90 12,963,098.97 13,087,584.37 September 2007 63,904,044.77 12,061,173.36 13,147,569.13 October 2007 62,498,801.48 11,187,727.22 13,207,828.83 November 2007 61,103,857.23 10,342,170.12 13,268,364.71 December 2007 59,719,140.72 9,523,922.19 13,329,178.05 January 2008 58,344,581.16 8,732,413.97 13,390,270.11 February 2008 56,980,108.24 7,967,086.20 13,451,642.18 March 2008 55,625,652.16 7,227,389.68 13,513,295.54 April 2008 54,281,143.60 6,512,785.06 13,575,231.48 May 2008 52,946,513.72 5,822,742.72 13,637,451.29 June 2008 51,621,694.18 5,156,742.54 13,699,956.28 July 2008 50,306,617.11 4,514,273.81 13,762,747.74 August 2008 49,001,215.10 3,894,834.98 13,825,827.00 September 2008 47,705,421.24 3,297,933.61 13,889,195.38 October 2008 46,419,169.07 2,723,086.11 13,952,854.19 November 2008 45,142,392.61 2,169,817.65 14,016,804.77 December 2008 43,875,026.33 1,637,662.00 14,081,048.46 January 2009 42,617,005.16 1,126,161.37 14,145,586.60 February 2009 41,368,264.50 634,866.27 14,210,420.54 March 2009 40,128,740.19 163,335.36 14,275,551.63 April 2009 38,898,368.52 0 14,052,116.58 May 2009 37,677,086.25 0 13,684,551.50 June 2009 36,464,830.55 0 13,335,775.42 July 2009 35,342,571.15 0 13,102,118.01 August 2009 34,229,025.32 0 12,885,619.69 September 2009 33,124,131.80 0 12,685,890.66 October 2009 32,027,829.72 0 12,502,548.35 November 2009 30,940,058.67 0 12,335,217.23 December 2009 29,860,758.66 0 12,183,528.78 January 2010 28,789,870.12 0 12,047,121.27 February 2010 27,741,817.32 0 11,911,156.31 March 2010 26,716,973.54 0 11,774,853.47 April 2010 25,714,879.75 0 11,638,271.58 May 2010 24,735,085.69 0 11,501,467.45 June 2010 23,777,149.71 0 11,364,495.99 July 2010 22,902,226.61 0 11,221,437.72 August 2010 22,047,429.85 0 11,078,482.26 September 2010 21,212,351.20 0 10,935,676.58 October 2010 20,396,590.33 0 10,793,065.91 November 2010 19,599,754.63 0 10,650,693.83 December 2010 18,821,459.11 0 10,508,602.32 January 2011 $18,061,326.25 $0 $10,366,831.75 February 2011 17,318,985.81 0 10,225,420.99 March 2011 16,594,074.77 0 10,084,407.41 April 2011 15,886,237.10 0 9,943,826.94 May 2011 15,195,123.73 0 9,803,714.08 June 2011 14,520,392.32 0 9,664,101.97 July 2011 13,973,702.32 0 9,515,212.24 August 2011 13,440,471.13 0 9,367,294.89 September 2011 12,920,408.62 0 9,220,370.19 October 2005 12,413,230.49 0 9,074,457.36 November 2011 11,918,658.21 0 8,929,574.56 December 2011 11,436,418.86 0 8,785,738.93 January 2012 10,966,245.06 0 8,642,966.64 February 2012 10,507,874.84 0 8,501,272.90 March 2012 10,061,051.53 0 8,360,671.98 April 2012 9,625,523.68 0 8,221,177.28 May 2012 9,201,044.94 0 8,082,801.31 June 2012 8,787,373.97 0 7,945,555.74 July 2012 8,481,321.62 0 7,802,317.57 August 2012 8,182,872.84 0 7,660,690.83 September 2012 7,891,856.50 0 7,520,670.28 October 2012 7,608,105.12 0 7,382,250.30 November 2012 7,331,454.74 0 7,245,424.87 December 2012 7,061,744.92 0 7,110,187.61 January 2013 6,798,818.59 0 6,976,531.78 February 2013 6,542,522.05 0 6,844,450.32 March 2013 6,292,704.85 0 6,713,935.83 April 2013 6,049,219.76 0 6,584,980.62 May 2013 5,811,922.67 0 6,457,576.70 June 2013 5,580,672.56 0 6,331,715.80 July 2013 5,435,413.74 0 6,203,027.74 August 2013 5,293,019.08 0 6,076,303.32 September 2013 5,153,433.31 0 5,951,514.82 October 2013 5,016,602.16 0 5,828,634.90 November 2013 4,882,472.45 0 5,707,636.54 December 2013 4,750,991.97 0 5,588,493.09 January 2014 4,622,109.51 0 5,471,178.23 February 2014 4,495,774.86 0 5,355,665.97 March 2014 4,371,938.75 0 5,241,930.67 April 2014 4,250,552.84 0 5,129,947.01 May 2014 4,131,569.73 0 5,019,690.00 June 2014 4,014,942.92 0 4,911,134.96 July 2014 $3,900,626.78 $0 $4,804,257.56 August 2014 3,788,576.56 0 4,699,033.76 September 2014 3,678,748.39 0 4,595,439.85 October 2014 3,571,099.19 0 4,493,452.40 November 2014 3,465,586.73 0 4,393,048.33 December 2014 3,362,169.59 0 4,294,204.82 January 2015 3,260,807.13 0 4,196,899.38 February 2015 3,161,459.48 0 4,101,109.81 March 2015 3,064,087.55 0 4,006,814.18 April 2015 2,968,652.99 0 3,913,990.87 May 2015 2,875,118.17 0 3,822,618.55 June 2015 2,783,446.19 0 3,732,676.16 July 2015 2,693,600.86 0 3,644,142.93 August 2015 2,605,546.67 0 3,556,998.34 September 2015 2,519,248.80 0 3,471,222.19 October 2015 2,434,673.09 0 3,386,794.50 November 2015 2,351,786.03 0 3,303,695.59 December 2015 2,270,554.77 0 3,221,906.04 January 2016 2,190,947.06 0 3,141,406.67 February 2016 1,386,931.29 0 3,062,178.57 March 2016 2,036,476.44 0 2,984,203.11 April 2016 1,961,552.11 0 2,907,461.86 May 2016 1,888,128.44 0 2,831,936.68 June 2016 1,816,176.19 0 2,757,609.65 July 2016 1,745,666.64 0 2,684,463.12 August 2016 1,676,571.65 0 2,612,479.66 September 2016 1,608,863.59 0 2,541,642.07 October 2016 1,542,515.39 0 2,471,933.41 November 2016 1,477,500.49 0 2,403,336.94 December 2016 1,413,792.82 0 2,335,836.17 January 2017 1,351,366.84 0 2,269,414.84 February 2017 1,290,197.48 0 2,204,056.89 March 2017 1,230,260.15 0 2,139,746.51 April 2017 1,171,530.76 0 2,076,468.07 May 2017 1,113,985.65 0 2,014,206.19 June 2017 1,057,601.63 0 1,952,945.68 July 2017 1,002,355.95 0 1,892,671.58 August 2017 948,226.31 0 1,833,369.11 September 2017 895,190.82 0 1,775,023.72 October 2017 843,228.02 0 1,717,621.05 November 2017 792,316.86 0 1,661,146.93 December 2017 742,436.72 0 1,605,587.41 January 2018 $693,567.33 $0 $1,550,928.72 February 2018 645,688.84 0 1,497,157.28 March 2018 598,781.79 0 1,444,259.70 April 2018 552,827.08 0 1,392,222.79 May 2018 507,805.97 0 1,341,033.54 June 2018 463,700.10 0 1,290,679.10 July 2018 420,491.45 0 1,241,146.84 August 2018 378,162.36 0 1,192,424.27 September 2018 336,695.50 0 1,144,499.10 October 2018 296,073.88 0 1,097,359.21 November 2018 256,280.84 0 1,050,992.64 December 2018 217,300.02 0 1,005,387.61 January 2019 179,115.42 0 960,532.50 February 2019 141,711.30 0 916,415.86 March 2019 105,072.26 0 873,026.41 April 2019 69,183.18 0 830,353.00 May 2019 34,029.24 0 788,384.68 June 2019 0 0 746,706.51 July 2019 0 0 672,389.06 August 2019 0 0 599,437.08 September 2019 0 0 527,826.49 October 2019 0 0 457,533.65 November 2019 0 0 388,535.31 December 2019 0 0 320,808.63 January 2020 0 0 254,331.15 February 2020 0 0 189,080.80 March 2020 0 0 125,035.90 April 2020 0 0 62,175.14 May 2020 0 0 477.57 June 2020 and thereafter 0 0 0 ------------------------ ------------ ----------------------- 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