EX-10.4 7 v343177_ex10-4.htm ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES AGREEMENT WITH COLE TAYLOR BANK

 

EXHIBIT 10.4

EXECUTION COPY

 

ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES AGREEMENT

 

This is an Assignment of Representations and Warranties Agreement (the “Agreement”) made as of the 30th day of April, 2013, among Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”) under a Pooling and Servicing Agreement dated as of April 1, 2013 (the “Pooling and Servicing Agreement”), and Cole Taylor Bank, an Illinois corporation (“Cole Taylor”).

 

In consideration of the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase and Sale Agreement dated as of August 1, 2011, between Assignor and Cole Taylor (the “Purchase Agreement”) as modified or supplemented by this Agreement. Unless otherwise specified herein, capitalized terms used herein but not defined shall have the meanings ascribed to them in the Purchase Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling and Servicing Agreement.

 

Assignment

 

1.          Assignor hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the representations and warranties made by Cole Taylor pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, and Depositor hereby accepts such assignment from Assignor.

 

2.          Depositor hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the representations and warranties made by Cole Taylor pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, Depositor is released from all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment from Depositor.

 

3.          Cole Taylor hereby acknowledges the foregoing assignments.

 

Representations and Warranties

 

4.          Assignor warrants and represents to, and covenants with, Depositor, Assignee and Cole Taylor as of the date hereof that:

 

(a)          Attached hereto as Attachment 2 is a true and accurate copy of the Purchase Agreement, which agreement is in full force and effect as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;

 

 
 

 

(b)          Assignor is the lawful owner of its interests and rights under the Purchase Agreement to the extent of the Mortgage Loans, free and clear from any and all claims and encumbrances whatsoever, and upon the transfer of the representations and warranties to Assignee as contemplated herein, Assignee shall have good title to such representations and warranties under the Purchase Agreement to the extent of the Mortgage Loans, free and clear of all liens, claims and encumbrances;

 

(c)          There are no offsets, counterclaims or other defenses available to Cole Taylor with respect to the Purchase Agreement;

 

(d)          Assignor is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite power and authority to enter into and perform its obligations under the Purchase Agreement;

 

(e)          Assignor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of Assignor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Assignor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Assignor is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Assignor or its property is subject. The execution, delivery and performance by Assignor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on the part of Assignor. This Agreement has been duly executed and delivered by Assignor and, upon the due authorization, execution and delivery by Assignee, will constitute the valid and legally binding obligation of Assignor enforceable against Assignor in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and

 

(f)          No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Assignor in connection with the execution, delivery or performance by Assignor of this Agreement, or the consummation by it of the transactions contemplated hereby.

 

5.          Depositor warrants and represents to, and covenants with, Assignor, Assignee and Cole Taylor that as of the date hereof:

 

(a)          Depositor is a Delaware corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation;

 

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(b)          Depositor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of Depositor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Depositor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Depositor is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Depositor or its property is subject. The execution, delivery and performance by Depositor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Depositor. This Agreement has been duly executed and delivered by Depositor and, upon the due authorization, execution and delivery by the other parties hereto, will constitute the valid and legally binding obligation of Depositor enforceable against Depositor in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and

 

(c)          No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Depositor in connection with the execution, delivery or performance by Depositor of this Agreement, or the consummation by it of the transactions contemplated hereby other than any that have been obtained or made.

 

6.          Assignee warrants and represents to, and covenants with, Assignor, Depositor and Cole Taylor that as of the date hereof:

 

(a)          Assignee is a federal savings bank duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization; and

 

(b)          Assignee has been directed to enter into this Agreement pursuant to the provisions of the Pooling and Servicing Agreement. The execution, delivery and performance by Assignee of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary action on part of Assignee. This Agreement has been duly executed and delivered by Assignee and, upon the due authorization, execution and delivery by the other parties hereto, will constitute the valid and legally binding obligation of Assignee enforceable against Assignee in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law.

 

7.          Cole Taylor warrants and represents to, and covenants with, Assignor, Depositor and Assignee as of the date hereof that:

 

(a)          Attached hereto as Attachment 2 is a true and accurate copy of the Purchase Agreement, which agreement is in full force and effect as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;

 

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(b)          Cole Taylor is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite power and authority to perform its obligations under the Purchase Agreement;

 

(c)          Cole Taylor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of Cole Taylor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Cole Taylor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Cole Taylor is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Cole Taylor or its property is subject. The execution, delivery and performance by Cole Taylor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Cole Taylor. This Agreement has been duly executed and delivered by Cole Taylor and, upon the due authorization, execution and delivery by Assignor, Assignee and the Depositor, will constitute the valid and legally binding obligation of Cole Taylor enforceable against Cole Taylor in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and

 

(d)          No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Cole Taylor in connection with the execution, delivery or performance by Cole Taylor of this Agreement, or the consummation by it of the transactions contemplated hereby.

 

Restated Cole Taylor Representations and Warranties

 

8.          Pursuant to Section 32(d) of the Purchase Agreement, Cole Taylor hereby restates to Depositor and Assignee (a) the representations and warranties set forth in Subsection 7.01 of the Purchase Agreement as of the related Closing Date and (b) the representations and warranties set forth in Subsection 7.02 of the Purchase Agreement as of the date hereof, as if such representations and warranties were set forth herein in full.

 

In the event of a breach of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof, as the case may be, Assignee shall be entitled to all the remedies under the Purchase Agreement, including, without limitation, the right to compel Cole Taylor to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase Agreement, subject to the provisions of Section 10.

 

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Recognition of Assignee

 

9.          From and after the date hereof, subject to Section 10 below, Cole Taylor shall recognize Assignee as owner of the Mortgage Loans and will perform its obligations hereunder for the benefit of the Assignee in accordance with the Purchase Agreement, as modified hereby or as may be amended from time to time, as if Assignee and Cole Taylor had entered into a separate purchase agreement for the purchase of the Mortgage Loans in the form of the Purchase Agreement, the terms of which are incorporated herein by reference, as amended by this Agreement.

 

Enforcement of Rights

 

10.         (a)          Controlling Holder Rights. Cole Taylor agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling Holder, will exercise all of Assignee’s rights (and obligations under Section 7.03 in connection with the exercise of such rights) as Purchaser under the following section of the Purchase Agreement:

 

Purchase Agreement:  
   
Section or Subsection Matter
   
7.03, other than 7.03(c) Repurchase and Substitution

 

(b)          If there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights that are to be exercised by the Controlling Holder pursuant to Section 10(a) (and obligations under Section 7.03 in connection with the exercise of such rights) shall be exercised by Assignee.

 

Amendments to Purchase Agreement

 

11.         The parties agree that the Purchase Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:

 

(a)          Definitions.

 

(i)          The definitions of “Arbitration,” “Business Day” and “Repurchase Price” set forth in Section 1 of the Purchase Agreement shall be deleted and replaced in their entirety as follows:

 

Arbitration: Arbitration in accordance with the then governing Commercial Arbitration Rules of the American Arbitration Association and administered by the American Arbitration Association, which shall be conducted in New York, New York or other place mutually acceptable to the parties to the arbitration.

 

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Business Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Delaware, Illinois, Maryland, Minnesota, Missouri or New York, (iii) a day on which banks in the states of California, Delaware, Illinois, Maryland, Minnesota, Missouri or New York, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock Exchange or the Federal Reserve Bank of New York is closed.

 

Repurchase Price: With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest on such unpaid principal balance at the related Mortgage Interest Rate from the last date through which interest was last paid by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and customary third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any amounts received in respect of such repurchased Mortgage Loan and being held in the Custodial Account for future distribution in connection with such Mortgage Loan.

 

(b)          The following sentence shall be added as the new third sentence of Subsection 7.03(a):

 

Each determination as to whether there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.

 

(c)          The rights under the Purchase Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Purchase Agreement as amended by this Agreement.

 

Miscellaneous

 

12.         All demands, notices and communications related to the Mortgage Loans, the Purchase Agreement and this Agreement shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid, as follows:

 

(a)         In the case of Cole Taylor,

 

Cole Taylor Bank

2350 Green Road, Suite 100

Ann Arbor, MI  48105

Attention: Phil Miller

Tel: (734) 926-2450

Fax: (734) 926-2404

 

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With a copy to

Cole Taylor Bank

9550 W. Higgins Road

Rosemont, IL 960018

Chicago, IL 60606

Attention: General Counsel

Fax: (847) 653-7890

 

(b)In the case of Assignee,

 

Christiana Trust, a division of Wilmington Savings Fund Society, FSB

500 Delaware Avenue, 11th Floor

Wilmington, Delaware, 19801

Attention: Corporate Trust - Sequoia Mortgage Trust 2013-6

 

(c)        In the case of Depositor,

 

Sequoia Residential Funding, Inc.

One Belvedere Place, Suite 360

Mill Valley, California 94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the same address

 

(d)         In the case of Assignor,

 

Redwood Residential Acquisition Corporation

One Belvedere Place, Suite 360

Mill Valley, California 94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the same address

 

(e)         In the case of Master Servicer,

 

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone number: (410) 884-2000

Facsimile number: (410) 715-2380

Attention: Client Manager — Sequoia Mortgage Trust 2013-6

 

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(f)          In the case of the initial Controlling Holder,

 

Sequoia Mortgage Funding Corporation

One Belvedere Place, Suite 360

Mill Valley, California 94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the same address

 

13.         This Agreement shall be construed in accordance with the laws of the State of New York, except to the extent preempted by Federal law, and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws, without regard to the conflicts of laws provisions of the State of New York or any other jurisdiction.

 

14.         No term or provision of this Agreement may be waived or modified unless such waiver or modification is in writing and signed by the party against whom such waiver or modification is sought to be enforced.

 

15.         This Agreement shall inure to the benefit of the successors and assigns of the parties hereto. Any entity into which Assignor, Depositor, Assignee or Cole Taylor may be merged or consolidated shall, without the requirement for any further writing, be deemed Assignor, Depositor, Assignee or Cole Taylor, respectively, hereunder.

 

16.         This Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the representations and warranties made by Cole Taylor pursuant to the Purchase Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and the termination of the Purchase Agreement.

 

17.         This Agreement may be executed simultaneously in any number of counterparts. Each counterpart shall be deemed to be an original, and all such counterparts shall constitute one and the same instrument.

 

18.         The Controlling Holder under the Pooling and Servicing Agreement is an express third party beneficiary of this Agreement, and shall have the same power and ability to exercise and enforce the rights stated to be provided to it hereunder as if it were a signatory hereto. Cole Taylor hereby consents to such exercise and enforcement.

 

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19.         It is expressly understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee (i) this Agreement is executed and delivered by Christiana Trust, a division of Wilmington Savings Fund Society, FSB (“Christiana Trust”) not in its individual capacity but solely as Trustee on behalf of the trust created by the Pooling and Servicing Agreement referred to herein (the “Trust”) in the exercise of the powers and authority conferred upon and vested in it, and as directed in the Pooling and Servicing Agreement, (ii) each of the undertakings and agreements herein made on behalf of the Trust is made and intended not as a personal undertaking or agreement of or by Christiana Trust but is made and intended for purposes of binding only the Trust, (iii) nothing herein contained shall be construed as creating any liability on the part of Christiana Trust, individually or personally, to perform any covenant either express or implied in this Agreement, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto, and (iv) under no circumstances shall Christiana Trust in its individual capacity or in its capacity as Trustee be personally liable for the payment of any indebtedness, amounts or expenses owed by the Assignor under the Purchase Agreement, as modified or supplemented by this Agreement (such indebtedness, expenses and other amounts being payable solely from and to the extent of funds of the Trust) or be personally liable for the breach or failure of any obligation, representation, warranty or covenant made under this Agreement or any other related documents.

 

20.         Master Servicer. Cole Taylor hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions, authorizations and other communications from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including, without limitation, the right to enforce the obligations of Cole Taylor hereunder and under the Purchase Agreement and the right to exercise the remedies of the Purchaser hereunder and under the Purchase Agreement.

 

Cole Taylor shall make all remittances due by it to the Purchaser with respect to the Mortgage Loans to the following account by wire transfer of immediately available funds:

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #39227100, Sequoia Mortgage Trust 2013-6 Distribution Account

 

21.         Cole Taylor acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Notwithstanding Section 10 of the Purchase Agreement, Cole Taylor shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Purchase Agreement.

 

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22.         Rule 17g-5 Compliance. Cole Taylor hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2013-6” and an identification of the type of information being provided in the body of such electronic mail. The Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”) shall notify Cole Taylor in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider. Cole Taylor shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions in this Section 22 prohibit or restrict oral or written communications, or providing information, between Cole Taylor, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings it assigns to Cole Taylor or (ii) such Rating Agency’s or NRSRO’s evaluation of Cole Taylor’s operations in general; provided, however, that Cole Taylor shall not provide any information relating to the Mortgage Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information Provider.

 

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IN WITNESS WHEREOF, the parties hereto have executed this Agreement the day and year first above written.

 

  REDWOOD RESIDENTIAL ACQUISITION
  CORPORATION
  Assignor
   
  By: /s/ W.J. Moliski
  Name: W.J. Moliski
  Title: Authorized Officer
   
  SEQUOIA RESIDENTIAL FUNDING, INC.
  Depositor
   
  By: /s/ W.J. Moliski
  Name: W.J. Moliski
  Title: Authorized Officer
   
  Christiana Trust, a division of
  Wilmington Savings Fund Society, FSB,
  not in its individual capacity but solely as Trustee,
  Assignee
   
  By: /s/ Jeffrey R. Everhart
  Name: Jeffrey R. Everhart
  Title: Assistant Vice President
   
  COLE TAYLOR BANK
   
  By: /s/ Phillip Miller
  Name: Phillip Miller
  Title: GSVP

 

Accepted and agreed to by:

 

WELLS FARGO BANK, N.A.

Master Servicer

 

By: /s/ Graham M. Oglesby  
Name: Graham M. Oglesby  
Title: Vice President  

 

Signature Page – Assignment of Representations and Warranties – Cole Taylor Bank (SEMT 2013-6)

 

 
 

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

  1 2 3 4 5 6 7 8 9 10 11
  Primary Servicer Servicing Fee % Servicing Fee—Flatdollar Servicing Advance Methodology Originator Name Loan Group Loan Number Amortization Type Lien Position HELOC Indicator Loan Purpose
1 1000383 0.002500     Cole Taylor Bank   1650010538 1 1 0 9
2 1000383 0.002500     Cole Taylor Bank   10000008930 1 1 0 9
3 1000383 0.002500     Cole Taylor Bank   10000008344 1 1 0 9
4 1000383 0.002500     Cole Taylor Bank   1650009440 1 1 0 9
5 1000383 0.002500     Cole Taylor Bank   1650009554 1 1 0 9
6 1000383 0.002500     Cole Taylor Bank   1650010018 1 1 0 9
7 1000383 0.002500     Cole Taylor Bank   1650010019 1 1 0 9
8 1000383 0.002500     Cole Taylor Bank   1650010118 1 1 0 9
9 1000383 0.002500     Cole Taylor Bank   1650010274 1 1 0 9
10 1000383 0.002500     Cole Taylor Bank   1650010356 1 1 0 9
11 1000383 0.002500     Cole Taylor Bank   1650010367 1 1 0 9
12 1000383 0.002500     Cole Taylor Bank   1650010573 1 1 0 9
13 1000383 0.002500     Cole Taylor Bank   10000008548 1 1 0 9
14 1000383 0.002500     Cole Taylor Bank   1650010581 1 1 0 9
15 1000383 0.002500     Cole Taylor Bank   1650010654 1 1 0 9
16 1000383 0.002500     Cole Taylor Bank   1650010687 1 1 0 9
17 1000383 0.002500     Cole Taylor Bank   1650010740 1 1 0 9
18 1000383 0.002500     Cole Taylor Bank   10000007871 1 1 0 9
19 1000383 0.002500     Cole Taylor Bank   1650010750 1 1 0 9
20 1000383 0.002500     Cole Taylor Bank   1650010754 1 1 0 9
21 1000383 0.002500     Cole Taylor Bank   10000008096 1 1 0 9
22 1000383 0.002500     Cole Taylor Bank   10000007972 1 1 0 9
23 1000383 0.002500     Cole Taylor Bank   10000008151 1 1 0 9
24 1000383 0.002500     Cole Taylor Bank   10000008296 1 1 0 9
25 1000383 0.002500     Cole Taylor Bank   10000008401 1 1 0 9
26 1000383 0.002500     Cole Taylor Bank   10000008803 1 1 0 7
27 1000383 0.002500     Cole Taylor Bank   1650010571 1 1 0 9
28 1000383 0.002500     Cole Taylor Bank   10000009449 1 1 0 7
29 1000383 0.002500     Cole Taylor Bank   1650007107 1 1 0 9
30 1000383 0.002500     Cole Taylor Bank   1650010434 1 1 0 9
31 1000383 0.002500     Cole Taylor Bank   1650010562 1 1 0 9
32 1000383 0.002500     Cole Taylor Bank   1650010564 1 1 0 9
33 1000383 0.002500     Cole Taylor Bank   1650010714 1 1 0 9
34 1000383 0.002500     Cole Taylor Bank   1650010791 1 1 0 9
35 1000383 0.002500     Cole Taylor Bank   10000009222 1 1 0 7

 

  12 13 14 15 16 17 18 19 20 21
  Cash Out Amount Total Origination and Discount Points Covered/High Cost Loan Indicator Relocation Loan Indicator Broker Indicator Channel Escrow Indicator Senior Loan
Amount(s)
Loan Type of Most
Senior Lien
Hybrid Period of
Most Senior Lien (in
months)
1           1 0 0    
2           1 0 0    
3           1 0 0    
4           2 0 0    
5           2 0 0    
6           2 0 0    
7           2 4 0    
8           2 0 0    
9           2 0 0    
10           2 0 0    
11           2 0 0    
12           2 0 0    
13           2 0 0    
14           2 4 0    
15           2 0 0    
16           2 1 0    
17           2 4 0    
18           2 0 0    
19           2 0 0    
20           2 4 0    
21           2 4 0    
22           2 4 0    
23           2 4 0    
24           2 4 0    
25           2 0 0    
26           2 0 0    
27           2 4 0    
28           2 0 0    
29           5 0 0    
30           5 4 0    
31           2 0 0    
32           5 0 0    
33           1 0 0    
34           2 0 0    
35           5 4 0    

 

  22 23 24 25 26 27 28 29 30 31 32 33
  Neg Am Limit of
Most Senior Lien
Junior Mortgage
Balance
Origination Date of
Most Senior Lien
Origination Date Original Loan
Amount
Original Interest
Rate
Original
Amortization Term
Original Term to
Maturity
First Payment Date
of Loan
Interest Type
Indicator
Original Interest
Only Term
Buy Down Period
1   50000.00   20130220 512500.00 0.041250 360 360 20130401 1 0 0
2   0.00   20130308 650000.00 0.036250 360 360 20130501 1 0 0
3   0.00   20130307 888000.00 0.036250 360 360 20130501 1 0 0
4   156000.00   20130221 1500000.00 0.038750 360 360 20130401 1 0 0
5   0.00   20130208 1312000.00 0.037500 360 360 20130401 1 0 0
6   0.00   20130128 1376000.00 0.037500 360 360 20130301 1 0 0
7   0.00   20130222 995000.00 0.037500 360 360 20130401 1 0 0
8   0.00   20130214 1500000.00 0.038750 360 360 20130401 1 0 0
9   0.00   20130208 1416000.00 0.037500 360 360 20130401 1 0 0
10   0.00   20130226 1050000.00 0.036250 360 360 20130401 1 0 0
11   100000.00   20130212 670000.00 0.041250 360 360 20130401 1 0 0
12   0.00   20130129 988000.00 0.038750 360 360 20130301 1 0 0
13   0.00   20130225 795000.00 0.038750 360 360 20130401 1 0 0
14   0.00   20130312 1270000.00 0.040000 360 360 20130501 1 0 0
15   0.00   20130226 825000.00 0.035000 360 360 20130401 1 0 0
16   0.00   20130301 1458000.00 0.037500 360 360 20130501 1 0 0
17   0.00   20130315 1495000.00 0.038750 360 360 20130501 1 0 0
18   350000.00   20130225 1449500.00 0.037500 360 360 20130501 1 0 0
19   0.00   20130222 700000.00 0.040000 360 360 20130401 1 0 0
20   0.00   20130222 765000.00 0.040000 360 360 20130401 1 0 0
21   50000.00   20130314 720000.00 0.038750 360 360 20130501 1 0 0
22   0.00   20130314 720000.00 0.037500 360 360 20130501 1 0 0
23   0.00   20130308 625000.00 0.038750 360 360 20130501 1 0 0
24   0.00   20130311 759000.00 0.038750 360 360 20130501 1 0 0
25   0.00   20130312 640440.00 0.038750 360 360 20130501 1 0 0
26   0.00   20130219 675000.00 0.040000 360 360 20130401 1 0 0
27   136500.00   20130228 480750.00 0.042500 360 360 20130401 1 0 0
28   0.00   20130228 665000.00 0.042500 360 360 20130501 1 0 0
29   100000.00   20130313 686000.00 0.040000 360 360 20130501 1 0 0
30   0.00   20130221 528000.00 0.036250 360 360 20130401 1 0 0
31   0.00   20130312 719000.00 0.040000 360 360 20130501 1 0 0
32   0.00   20130313 647500.00 0.040000 360 360 20130501 1 0 0
33   0.00   20130222 982250.00 0.038750 360 360 20130401 1 0 0
34   50000.00   20130228 1180000.00 0.038750 360 360 20130501 1 0 0
35   0.00   20130227 692000.00 0.038750 360 360 20130401 1 0 0

 

  34 35 36 37 38 39 40 41 42 43 44 45
  HELOC Draw Period Current Loan
Amount
Current Interest
Rate
Current Payment
Amount Due
Interest Paid
Through Date
Current Payment
Status
Index Type ARM Look-back
Days
Gross Margin ARM Round Flag ARM Round Factor Initial Fixed Rate
Period
1   511777.89 0.041250 2483.83 20130401 0 0          
2   650000.00 0.036250 2964.33 20130401 0 0          
3   888000.00 0.036250 4049.74 20130401 0 0          
4   1497790.19 0.038750 7053.56 20130401 0 0          
5   1310023.92 0.037500 6076.08 20130401 0 0          
6   1371843.42 0.037500 6372.47 20130401 0 0          
7   993290.81 0.037500 4608.00 20130401 0 0          
8   1497790.19 0.038750 7053.56 20130401 0 0          
9   1413867.28 0.037500 6557.72 20130401 0 0          
10   1047208.14 0.036250 4788.54 20130401 0 0          
11   669055.98 0.041250 3247.15 20130401 0 0          
12   985084.26 0.038750 4645.94 20130401 0 0          
13   793828.81 0.038750 3738.38 20130401 0 0          
14   1270000.00 0.040000 6063.17 20130401 0 0          
15   823701.63 0.035000 3704.62 20130401 0 0          
16   1458000.00 0.037500 6752.23 20130401 0 0          
17   1495000.00 0.038750 7030.04 20130401 0 0          
18   1449500.00 0.037500 6712.86 20130401 0 0          
19   698991.42 0.040000 3341.91 20130401 0 0          
20   763897.77 0.040000 3652.23 20130401 0 0          
21   720000.00 0.038750 3385.71 20130401 0 0          
22   720000.00 0.037500 3334.43 20130401 0 0          
23   625000.00 0.038750 2938.98 20130401 0 0          
24   759000.00 0.038750 3569.10 20130401 0 0          
25   640440.00 0.038750 3011.59 20130401 0 0          
26   674027.45 0.040000 3222.55 20130401 0 0          
27   480087.66 0.042500 2365.00 20130401 0 0          
28   665000.00 0.042500 3271.40 20130401 0 0          
29   686000.00 0.040000 3275.07 20130401 0 0          
30   527187.05 0.036250 2407.95 20130401 0 0          
31   719000.00 0.040000 3432.62 20130401 0 0          
32   647500.00 0.040000 3091.26 20130401 0 0          
33   980802.95 0.038750 4618.90 20130401 0 0          
34   1180000.00 0.038750 5548.80 20130401 0 0          
35   690980.54 0.038750 3254.04 20130401 0 0          

 

  46 47 48 49 50 51 52 53 54 55 56 57
  Initial Interest Rate
Cap (Change Up)
Initial Interest Rate
Cap (Change Down)
Subsequent Interest
Rate Reset Period
Subsequent Interest
Rate Cap (Change Down)
Subsequent Interest
Rate Cap (Change
Up)
Lifetime Maximum
Rate (Ceiling)
Lifetime Minimum
Rate (Floor)
Negative
Amortization Limit
Initial Negative
Amortization Recast
Period
Subsequent
Negative
Amortization Recast
Period
Initial Fixed
Payment Period
Subsequent
Payment Reset
Period
1                        
2                        
3                        
4                        
5                        
6                        
7                        
8                        
9                        
10                        
11                        
12                        
13                        
14                        
15                        
16                        
17                        
18                        
19                        
20                        
21                        
22                        
23                        
24                        
25                        
26                        
27                        
28                        
29                        
30                        
31                        
32                        
33                        
34                        
35                        

 

  58 59 60 61 62 63 64 65 66 67 68 69
  Initial Periodic
Payment Cap
Subsequent
Periodic Payment
Cap
Initial Minimum
Payment Reset
Period
Subsequent
Minimum Payment
Reset Period
Option ARM
Indicator
Options at Recast Initial Minimum
Payment
Current Minimum
Payment
Prepayment Penalty
Calculation
Prepayment Penalty
Type
Prepayment Penalty
Total Term
Prepayment Penalty
Hard Term
1                     0  
2                     0  
3                     0  
4                     0  
5                     0  
6                     0  
7                     0  
8                     0  
9                     0  
10                     0  
11                     0  
12                     0  
13                     0  
14                     0  
15                     0  
16                     0  
17                     0  
18                     0  
19                     0  
20                     0  
21                     0  
22                     0  
23                     0  
24                     0  
25                     0  
26                     0  
27                     0  
28                     0  
29                     0  
30                     0  
31                     0  
32                     0  
33                     0  
34                     0  
35                     0  

 

  70 71 72 73 74 75 76 77 78 79 80 81
  Primary Borrower ID Number of
Mortgaged
Properties
Total Number of
Borrowers
Self-employment
Flag
Current ‘Other’
Monthly Payment
Length of
Employment:
Borrower
Length of
Employment: Co-
Borrower
Years in Home FICO Model Used Most Recent FICO
Date
Primary Wage
Earner Original
FICO: Equifax
Primary Wage
Earner Original
FICO: Experian
1 453 1   1   4 4 7 1      
2 215 1   0   7   4 1      
3 71 1   0   6 4 0.5 1      
4 343 1   0   1.5   5 1      
5 64 2   1   10   9 1      
6 312 2   0   4.5   10 1      
7 59 1   0   3   2 1      
8 467 3   1   26   0.25 1      
9 398 1   0   2.25   13 1      
10 534 3   1   6   7 1      
11 416 1   0   3   3 1      
12 506 2   0   5   26 1      
13 315 1   1   15   6 1      
14 443 1   1   3.25   2 1      
15 232 1   1   1.5   6 1      
16 54 1   1   14   4 1      
17 201 1   0   5 0 13 1      
18 531 1   0   0 6 3 1      
19 527 1   0   5.75   11 1      
20 278 1   0   8.25 5 2 1      
21 102 1   0   7 6 1.5 1      
22 90 1   0   4.5   2.25 1      
23 42 2   1   3   1 1      
24 122 1   0   14   3.25 1      
25 541 1   1   3 3 1.75 1      
26 526 2   0   7.5 10 0 1      
27 336 1   0   14 13 9 1      
28 509 2   0   13.5   0 1      
29 251 1   0   10.75   10.75 1      
30 32 1   1   34 6 3 1      
31 284 1   0   0   35 1      
32 345 1   0   0 13 6 1      
33 317 1   1   16   2 1      
34 361 1   0   13   9 1      
35 298 1   0   9.5   0 1      

 

  82 83 84 85 86 87 88 89 90 91 92 93
  Primary Wage
Earner Original
FICO: TransUnion
Secondary Wage
Earner Original
FICO: Equifax
Secondary Wage
Earner Original
FICO: Experian
Secondary Wage
Earner Original
FICO: TransUnion
Original
Primary Borrower
FICO
Most Recent
Primary Borrower
FICO
Most Recent Co-
Borrower FICO
Most Recent FICO
Method
VantageScore:
Primary Borrower
VantageScore: Co-
Borrower
Most Recent
VantageScore
Method
VantageScore Date
1         732              
2         785              
3         759              
4         745              
5         730              
6         795              
7         806              
8         741              
9         801              
10         811              
11         787              
12         742              
13         801              
14         773              
15         792              
16         774              
17         773              
18         791              
19         803              
20         733              
21         785              
22         739              
23         781              
24         764              
25         792              
26         800              
27         730              
28         775              
29         778              
30         733              
31         806              
32         806              
33         809              
34         763              
35         763              

 

  94 95 96 97 98 99 100 101 102 103 104
  Credit Report:
Longest Trade Line
Credit Report:
Maximum Trade
Line
Credit Report:
Number of Trade
Lines
Credit Line Usage
Ratio
Most Recent 12-
month Pay History
Months Bankruptcy Months Foreclosure Primary Borrower
Wage Income
Co-Borrower Wage
Income
Primary Borrower
Other Income
Co-Borrower Other
Income
1         000000000000     11536.54 333.33 0.00 0.00
2         000000000000     23436.40   0.00  
3         000000000000     12250.00 3642.83 0.00 0.00
4         000000000000     40025.83 0.00 0.00 0.00
5         000000000000     31964.92   0.00  
6         000000000000     8333.33   45046.03  
7         000000000000     16666.66   24227.22  
8         000000000000     1387.34   29677.65  
9         000000000000     50000.00 0.00 0.00 0.00
10         000000000000     37083.35   0.00  
11         000000000000     16089.54   0.00  
12         000000000000     27733.33 0.00 9925.00 0.00
13         000000000000     32831.24 0.00 0.00 0.00
14         000000000000     23513.08   0.00  
15         000000000000     95951.45   0.00  
16         000000000000     65456.00   0.00  
17         000000000000     17380.12 8750.00 0.00 0.00
18         000000000000     0.00 33581.00 0.00 0.00
19         000000000000     24480.83 0.00 0.00 0.00
20         000000000000     13541.67 16666.68 0.00 0.00
21         000000000000     8649.54 5405.82 7917.09 0.00
22         000000000000     27083.34 0.00 0.00 0.00
23         000000000000     18750.00   0.00  
24         000000000000     33333.32 0.00 0.00 0.00
25         000000000000     6666.67 4117.37 0.00 0.00
26         000000000000     12028.00 2960.00 2124.00 0.00
27         000000000000     6879.83 2991.00 5328.92 0.00
28         000000000000     16250.00 0.00 0.00 0.00
29         000000000000     33141.67 0.00 0.00 0.00
30         000000000000     10923.83 1950.00 0.00 0.00
31         000000000000     1754.50   20000.00  
32         000000000000     5666.66 8575.00 0.00 0.00
33         000000000000     31737.34   0.00  
34         000000000000     58333.00   0.00  
35         000000000000     17666.67 0.00 4166.67 0.00

 

  105 106 107 108 109 110 111 112 113 114 115
  All Borrower Wage
Income
All Borrower Total
Income
4506-T Indicator Borrower Income
Verification Level
Co-Borrower
Income Verification
Borrower
Employment
Verification
Co-Borrower
Employment
Verification
Borrower Asset
Verification
Co-Borrower Asset
Verification
Liquid / Cash
Reserves
Monthly Debt All
Borrowers
1 11869.87 11869.87 1 5   3   4   270355.52 3764.78
2 23436.40 23436.40 1 5   3   4   518390.59 6383.21
3 15892.83 15892.83 1 5   3   4   108273.29 5634.26
4 40025.83 40025.83 1 5   3   4   136712.55 12375.87
5 31964.92 31964.92 1 5   3   4   178871.95 10506.97
6 8333.33 53379.36 1 5   3   4   189674.00 11815.84
7 16666.66 40893.88 1 5   3   4   281405.78 7615.50
8 1387.34 31064.99 1 5   3   4   388728.68 9659.72
9 50000.00 50000.00 1 5   3   4   193238.55 11722.55
10 37083.35 37083.35 1 5   3   4   682960.00 12349.42
11 16089.54 16089.54 1 5   3   4   486037.95 5958.54
12 27733.33 37658.33 1 5   3   4   514867.57 13032.64
13 32831.24 32831.24 1 5   3   4   351788.88 7182.49
14 23513.08 23513.08 1 5   3   4   263403.10 8348.95
15 95951.45 95951.45 1 5   3   4   2498829.62 8092.83
16 65456.00 65456.00 1 5   3   4   138998.55 11200.31
17 26130.12 26130.12 1 5   3   4   398395.13 9395.42
18 33581.00 33581.00 1 5   3   4   355157.52 8932.95
19 24480.83 24480.83 1 5   3   4   69531.89 4919.52
20 30208.35 30208.35 1 5   3   4   101992.78 6261.28
21 14055.36 21972.45 1 5   3   4   44924.27 5170.32
22 27083.34 27083.34 1 5   3   4   179210.09 8464.52
23 18750.00 18750.00 1 5   3   4   238941.14 6491.83
24 33333.32 33333.32 1 5   3   4   433222.60 6437.70
25 10784.04 10784.04 1 5   3   4   181250.80 4221.41
26 14988.00 17112.00 1 5   3   4   45063.67 6954.56
27 9870.83 15199.75 1 5   3   4   164021.30 3645.68
28 16250.00 16250.00 1 5   3   4   540972.07 5779.90
29 33141.67 33141.67 1 5   3   4   281910.49 5987.21
30 12873.83 12873.83 1 5   3   4   47134.99 5244.95
31 1754.50 21754.50 1 5   3   4   1944749.58 5001.19
32 14241.66 14241.66 1 5   3   4   77698.71 4972.69
33 31737.34 31737.34 1 5   3   4   434016.48 7491.98
34 58333.00 58333.00 1 5   3   4   263925.47 10293.85
35 17666.67 21833.34 1 5   3   4   75776.61 5948.60

 

  116 117 118 119 120 121 122 123 124 125 126 127
  Originator DTI Fully Indexed Rate Qualification
Method
Percentage of Down
Payment from
Borrower Own
Funds
City State Postal Code Property Type Occupancy Sales Price Original Appraised
Property Value
Original Property
Valuation Type
1 0.317171       GRASS VALLEY CA 95945 1 1   750000.00 3
2 0.272363       SAN DIEGO CA 92130 7 1   2500000.00 3
3 0.354516       Portola Valley CA 94028 1 1   1350000.00 3
4 0.309197       Menlo Park CA 94025 1 1   2200000.00 3
5 0.328703       MENLO PARK CA 94025 1 1   3700000.00 3
6 0.221356       GREENWICH CT 06830 1 1   3500000.00 3
7 0.186226       GARDEN CITY NY 11530 1 1   1375000.00 3
8 0.310952       PEBBLE BEACH CA 93953 1 1   2600000.00 3
9 0.234451       Thousand Oaks CA 91362 7 1   2400000.00 3
10 0.333018       ATLANTA GA 30327 1 1   2250000.00 3
11 0.370336       PALO ALTO CA 94306 1 1   2085000.00 3
12 0.346076       RANCH SANTA FE CA 92067 1 1   3970000.00 3
13 0.218770       BELLAIRE TX 77401 1 1   1060000.00 3
14 0.355077       ENCINO CA 91316 1 1   1710000.00 3
15 0.084343       AUSTIN TX 78731 7 1   1100000.00 3
16 0.171112       OLD GREENWICH CT 06870 1 1   2600000.00 3
17 0.359563       Wellesley Hills MA 02481 1 1   2575000.00 3
18 0.266012       PORTOLA VALLEY CA 94028 1 1   2400000.00 3
19 0.200954       SAN FRANCISCO CA 94117 1 1   1700000.00 3
20 0.207270       Chicago IL 60614 3 1   1200000.00 3
21 0.235309       Bethesda MD 20817 1 1   1075000.00 3
22 0.312536       Pelham NY 10803 1 1   1375000.00 3
23 0.346231       WALTHAM MA 02451 1 1   800000.00 3
24 0.193131       FAIRFIELD CT 06824 1 1   1300000.00 3
25 0.391450       Belmont CA 94002 1 1   1010000.00 3
26 0.406414     100.000000 Pleasanton CA 94566 1 1 910425.00 915000.00 3
27 0.239851       Brookline MA 02467 1 1   823000.00 3
28 0.355686     100.000000 CUPERTINO CA 95014 1 1 1588000.00 1588000.00 3
29 0.180655       wilmette IL 60091 1 1   1050000.00 3
30 0.407412       PROVINCETOWN MA 02657 1 1   812000.00 3
31 0.229892       Corona Del Mar CA 92625 7 1   1750000.00 3
32 0.349165       San Diego CA 92130 7 1   925000.00 3
33 0.236062       HOUSTON TX 77098 1 1   1425000.00 3
34 0.176467       San Diego CA 92103 1 1   1750000.00 3
35 0.272455     100.000000 dallas TX 75205 1 1 866000.00 865000.00 3

 

  128 129 130 131 132 133 134 135 136 137
  Original Property
Valuation Date
Original Automated
Valuation Model
(AVM) Model Name
Original AVM
Confidence Score
Most Recent
Property Value2
Most Recent
Property Valuation
Type
Most Recent
Property Valuation
Date
Most Recent AVM
Model Name
Most Recent AVM
Confidence Score
Original CLTV Original LTV
1 20130116               0.750000 0.683300
2 20130220               0.260000 0.260000
3 20130126               0.657700 0.657700
4 20121212               0.752700 0.681800
5 20130111               0.354500 0.354500
6 20121228               0.393100 0.393100
7 20121203               0.723600 0.723600
8 20130122               0.576900 0.576900
9 20130119               0.590000 0.590000
10 20121231               0.466600 0.466600
11 20121220               0.369300 0.321300
12 20130105               0.248800 0.248800
13 20130118               0.750000 0.750000
14 20130114               0.742600 0.742600
15 20130108               0.750000 0.750000
16 20130110               0.560700 0.560700
17 20130211               0.580500 0.580500
18 20130122               0.749700 0.603900
19 20130112               0.411700 0.411700
20 20130118               0.637500 0.637500
21 20130123               0.716200 0.669700
22 20130219               0.523600 0.523600
23 20130213               0.781200 0.781200
24 20130207               0.583800 0.583800
25 20130213               0.634000 0.634000
26 20130204               0.741400 0.741400
27 20121128               0.750000 0.584100
28 20130208               0.418700 0.418700
29 20130209               0.748500 0.653300
30 20121026               0.650200 0.650200
31 20121203               0.410800 0.410800
32 20130103               0.700000 0.700000
33 20130130               0.689200 0.689200
34 20130117               0.702800 0.674200
35 20130212               0.800000 0.800000

 

  138 139 140 141 142 143 144 145 146 147 148 149
  Original Pledged
Assets
Mortgage Insurance
Company Name
Mortgage Insurance
Percent
MI: Lender or
Borrower Paid?
Pool Insurance Co.
Name
Pool Insurance Stop
Loss %
MI Certificate
Number
Updated DTI
(Front-end)
Updated DTI
(Back-end)
Modification
Effective Payment
Date
Total Capitalized
Amount
Total Deferred
Amount
1 0 0 0                  
2 0 0 0                  
3 0 0 0                  
4 0 0 0                  
5 0 0 0                  
6 0 0 0                  
7 0 0 0                  
8 0 0 0                  
9 0 0 0                  
10 0 0 0                  
11 0 0 0                  
12 0 0 0                  
13 0 0 0                  
14 0 0 0                  
15 0 0 0                  
16 0 0 0                  
17 0 0 0                  
18 0 0 0                  
19 0 0 0                  
20 0 0 0                  
21 0 0 0                  
22 0 0 0                  
23 0 0 0                  
24 0 0 0                  
25 0 0 0                  
26 0 0 0                  
27 0 0 0                  
28 0 0 0                  
29 0 0 0                  
30 0 0 0                  
31 0 0 0                  
32 0 0 0                  
33 0 0 0                  
34 0 0 0                  
35 0 0 0                  

 

  150 151 152 153 154 155 156 157
  Pre-Modification
Interest (Note) Rate
Pre-Modification P&I
Payment
Pre-Modification
Initial Interest Rate
Change Downward
Cap
Pre-Modification
Subsequent Interest
Rate Cap
Pre-Modification
Next Interest Rate
Change Date
Pre-Modification I/O
Term
Forgiven Principal
Amount
Forgiven Interest
Amount
1                
2                
3                
4                
5                
6                
7                
8                
9                
10                
11                
12                
13                
14                
15                
16                
17                
18                
19                
20                
21                
22                
23                
24                
25                
26                
27                
28                
29                
30                
31                
32                
33                
34                
35                

 

  158 159 160 161 162 163 164 165
  Number of
Modifications
Cash To/From Brrw at Closing Brrw - Yrs at in Industry CoBrrw - Yrs at in Industry Junior Mortgage Drawn Amount Maturity Date Primary Borrower Wage Income (Salary) Primary Borrower Wage Income (Bonus)
1     45 40 42108 20430301 11536.54 0
2     23   0 20430401 23436.4 0
3     11 13 0 20430401 12250 0
4     20   40000 20430301 40025.83 0
5     10   0 20430301 31964.92 0
6     17   0 20430201 8333.33 0
7     4   0 20430301 16666.66 0
8     26   0 20430301 1387.34 0
9     30   0 20430301 50000 0
10     28   0 20430301 37083.35 0
11     10   100000 20430301 16089.54 0
12     35   0 20430201 27733.33 9925
13     27   0 20430301 32831.24 0
14     15   0 20430401 23513.08 0
15     20   0 20430301 95951.45 0
16     24   0 20430401 65456 0
17     25 15 0 20430401 17380.12 0
18     0 6 350000 20430401 0 0
19     23   0 20430301 24480.83 0
20     9 7 0 20430301 13541.67 0
21     7 6 50000 20430401 8649.54 0
22     13   0 20430401 27083.34 0
23     3   0 20430401 18750 0
24     14   0 20430401 33333.32 0
25     16 20 0 20430401 6666.67 0
26     23 10 0 20430301 12028 1839
27     35 15 136500 20430301 6879.83 0
28     14   0 20430401 16250 0
29     11   8343 20430401 33141.67 0
30     34 6 0 20430301 10923.83 0
31     0   0 20430401 1754.5 0
32     1 13 0 20430401 5666.66 0
33     25   0 20430301 31737.34 0
34     13   49698 20430401 58333 0
35     10   0 20430301 17666.67 4166.67

 

  166 167 168 169 170 171 172
  Primary Borrower Wage Income (Commission) Co-Borrower Wage Income (Salary) Co-Borrower Wage Income (Bonus) Co-Borrower Wage Income (Commission) Originator Doc Code RWT Income Verification RWT Asset Verification
1 0 333.33 0 0 Full Two Years Two Months
2 0 0 0 0 Full Two Years Two Months
3 0 3642.83 0 0 Full Two Years Two Months
4 0 0 0 0 Full Two Years Two Months
5 0 0 0 0 Full Two Years Two Months
6 45046.03 0 0 0 Full Two Years Two Months
7 24227.22 0 0 0 Full Two Years Two Months
8 0 0 0 0 Full Two Years Two Months
9 0 0 0 0 Full Two Years Two Months
10 0 0 0 0 Full Two Years Two Months
11 0 0 0 0 Full Two Years Two Months
12 0 0 0 0 Full Two Years Two Months
13 0 0 0 0 Full Two Years Two Months
14 0 0 0 0 Full Two Years Two Months
15 0 0 0 0 Full Two Years Two Months
16 0 0 0 0 Full Two Years Two Months
17 0 8750 0 0 Full Two Years Two Months
18 0 33581 0 0 Full Two Years Two Months
19 0 0 0 0 Full Two Years Two Months
20 0 16666.68 0 0 Full Two Years Two Months
21 0 5405.82 0 0 Full Two Years Two Months
22 0 0 0 0 Full Two Years Two Months
23 0 0 0 0 Full Two Years Two Months
24 0 0 0 0 Full Two Years Two Months
25 0 4117.37 0 0 Full Two Years Two Months
26 0 2960 0 0 Full Two Years Two Months
27 0 2991 0 0 Full Two Years Two Months
28 0 0 0 0 Full Two Years Two Months
29 0 0 0 0 Full Two Years Two Months
30 0 1950 0 0 Full Two Years Two Months
31 0 0 0 0 Full Two Years Two Months
32 0 8575 0 0 Full Two Years Two Months
33 0 0 0 0 Full Two Years Two Months
34 0 0 0 0 Full Two Years Two Months
35 0 0 0 0 Full Two Years Two Months

 

 
 

 

ATTACHMENT 2

 

PURCHASE AGREEMENT

 

Refer to Exhibit 10.10 to the Report on Form 8-K filed by the issuing entity on April 29, 2013.