EX-99.1 2 s14supp.txt SERIES SUPPLEMENT RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and BANK ONE, NATIONAL ASSOCIATION, Trustee SERIES SUPPLEMENT, DATED AS OF JUNE 1, 2001, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT Dated as of June 1, 2001 Mortgage Pass-Through Certificates Series 2001-S14
TABLE OF CONTENTS Page ARTICLE I DEFINITIONS Section 1.01 Definitions............................................................5 Section 1.02 Use of Words and Phrases..............................................20 Section 1.03 Determination of LIBOR................................................20 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) .....................................................................22 Section 2.02 Acceptance by Trustee. (See Section 2.02 of the Standard Terms)......22 Section 2.03 Representations, Warranties and Covenants of the Master Servicer and the Company...............................................................22 Section 2.04 Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms)................................................................24 Section 2.05 Execution and Authentication of Certificates..........................24 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01 Certificate Account. (See Section 4.01 of the Standard Terms)........27 Section 4.02 Distributions.........................................................27 Section 4.03 Statements to Certificateholders. (See Section 4.03(a) through (d) of the Standard Terms and Exhibit Three attached hereto).....................37 Section 4.04 Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.......................................................38 Section 4.05 Allocation of Realized Losses.........................................39 Section 4.06 Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms)..................................41 Section 4.07 Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms).......................................................41 Section 4.08 Surety Bond. (See Section 4.08 of the Standard Terms)................41 Section 4.09 Distributions on the Uncertificated Class A-V REMIC Regular Interests .....................................................................41 Section 4.10 Reserve Fund..........................................................41 Section 4.11 Rounding Account......................................................42 Section 4.12 Principal Distributions on the Insured Certificates...................42 ARTICLE V THE CERTIFICATES ARTICLE VI THE COMPANY AND THE MASTER SERVICER ARTICLE VII DEFAULT ARTICLE VIII CONCERNING THE TRUSTEE ARTICLE IX TERMINATION ARTICLE X REMIC PROVISIONS Section 10.01 REMIC Administration. (See Section 10.01 of the Standard Terms)......52 Section 10.02 Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms).................................52 Section 10.03 Designation of REMIC(s)...............................................52 Section 10.04 Distributions on the Uncertificated REMIC I Regular Interests.........52 Section 10.05 Compliance with Withholding Requirements..............................53 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01 Amendment. (See Section 11.01 of the Standard Terms).................54 Section 11.02 Recordation of Agreement. Counterparts. (See Section 11.02 of the Standard Terms)................................................................54 Section 11.03 Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms).......................................................54 Section 11.04 Governing Laws. (See Section 11.04 of the Standard Terms)............54 Section 11.05 Notices...............................................................54 Section 11.06 Required Notices to Rating Agency and Subservicer.....................55 Section 11.07 Severability of Provisions. (See Section 11.07 of the Standard Terms) .....................................................................55 Section 11.08 Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms).......................................................56 Section 11.09 Allocation of Voting Rights...........................................56 Section 12.01 Rights of the Certificate Insurer To Exercise Rights of Insured Certificateholders....................................................57 Section 12.02 Claims Upon the Certificate Policy; Certificate Insurance Account.....57 Section 12.03 Effect of Payments by the Certificate Insurer; Subrogation............58 Section 12.04 Notices and Information to the Certificate Insurer....................59 Section 12.05 Trustee to Hold Certificate Policy....................................59 Section 12.06 Ratings...............................................................59 Section 12.07 Third Party Beneficiary...............................................59
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 June 1, 2001 Exhibit Five: Certificate Policy of MBIA Insurance Corporation This is a Series Supplement, dated as of June 1, 2001 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of June 1, 2001 and attached as Exhibit Four hereto (the "Standard Terms" and, together with this Series Supplement, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL FUNDING MORTGAGE SECURITIES I, 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 BANK ONE, NATIONAL ASSOCIATION, as Trustee (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT The Company intends to sell Mortgage 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 Trust Fund. As provided herein, the REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of REMIC I (as defined herein), and subject to this Agreement (including the Mortgage Loans but excluding the Reserve Fund and the Initial Monthly Payment Fund), as a real estate mortgage investment conduit (a "REMIC") for federal income tax purposes and such segregated pool of assets will be designated as "REMIC I." 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). A segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests will be designated as "REMIC II," and the REMIC Administrator will make a separate REMIC election with respect thereto. The Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-8 Certificates, Class A-8A Certificates, Class A-9 Certificates, Class A-10 Certificates, Class A-11 Certificates, Class A- 12 Certificates, Class A-P Certificates, Class M-1 Certificates, Class M-2 Certificates, Class M-3 Certificates, Class B-1 Certificates, Class B-2 Certificates, Class B-3 Certificates and the Uncertificated Class A-V REMIC Regular Interests 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. The Class A-V Certificates will represent the entire beneficial ownership interest in the Uncertificated Class A-V REMIC Regular Interests. 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. Any cross-reference to a section of the Pooling and Servicing Agreement, to the extent the terms of the Standard Terms and Series Supplement conflict with respect to that section, shall be a cross-reference to the related section of the Series Supplement. 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 the Series Supplement. The following table irrevocably sets forth the designation, the Uncertificated REMIC I Pass- Through Rate, the initial Uncertificated Principal Balance, and solely for purposes of satisfying Treasury regulation Section 1.860G-1(a)(4)(iii), the "latest possible maturity date" for each of the -1- Uncertificated REMIC I Regular Interests. None of the Uncertificated REMIC I Regular Interests will be certificated.
Uncertificated REMIC I Pass- Initial Uncertificated Latest Designation Through Rate Principal Balance Possible Maturity(1) ----------- ------------ ------------------------ -------------------- Uncertificated REMIC I 6.75% $ 444,372,034.72 June 25, 2031 Regular Interest T Uncertificated REMIC I 6.75% $ 40,000,000.00 June 25, 2031 Regular Interest U Uncertificated REMIC I 6.50% $ 169,281,900.00 June 25, 2031 Regular Interest V Uncertificated REMIC I 9.00% $ 18,809,100.00 June 25, 2031 Regular Interest W Uncertificated REMIC I 0.00% $ 1,367,508.75 June 25, 2031 Regular Interest Y Uncertificated REMIC I Variable (2) N/A(3) June 25, 2031 IO Regular Interests
________________ (1) Solely for purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, the Distribution Date immediately following the maturity date for the Mortgage Loan with the latest maturity date has been designated as the "latest possible maturity date" for each REMIC I Regular Interest. (2) Calculated in accordance with the definition of "Uncertificated Pass-Through Rate" herein (3) The Uncertificated REMIC I IO Regular Interests have no Uncertificated Principal Balance. -2- 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 Features1 Pass-Through Certificate Principal Maturity Moody's/ Minimum DESIGNATION Rate Balance Date S&P Denominations2 Class A-1 6.75% $ 196,000,000.00 Senior June 25, 2031 Aaa/AAA $25,000 Class A-2 6.75% $ 28,631,000.00 Senior June 25, 2031 Aaa/AAA $25,000 Class A-3 6.75% $ 25,932,000.00Senior/Insured/RetailJune 25, 2031 Aaa/AAA3 $1,000 Senior/Accretion Class A-4 6.75% $ 23,000,000.00 Directed June 25, 2031 Aaa/AAA $25,000 Senior/Accretion Class A-5 6.75% $ 34,182,000.00 Directed June 25, 2031 Aaa/AAA $25,000 Class A-6 6.75% $ 24,727,000.00 Senior/Accrual June 25, 2031 Aaa/AAA $25,000 Class A-7 6.75% $ 40,000,000.00 Senior/Lockout June 25, 2031 Aaa/AAA $25,000 Senior/Accretion Class A-8 6.25% $ 40,000,000.00 Directed June 25, 2031 Aaa/AAA $25,000 Class A-8A 6.75% $ 0.004Senior/Interest Only June 25, 2031 Aaa/AAA 10% Senior/Accretion Class A-9 6.75% $ 50,000,000.00 Directed June 25, 2031 Aaa/AAA $25,000 Senior/Accretion Class A-10 6.50% $ 169,281,900.00 Directed June 25, 2031 Aaa/AAA $25,000 Senior/Floater/Accretion Class A-11 Adjustable Rate$ 18,809,100.00 Directed June 25, 2031 Aaa/AAA $25,000 _____________ 1 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-8A, Class A-9, Class A-10, Class A-11, Class A-12 and Class M Certificates shall be Book-Entry Certificates. The Class A-P, Class A-V, Class R and Class B Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the Class A-8A, Class A-12, Class A-V and Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance) and integral multiples of $1 (or $1,000 in the case of the Class A-3, Class A-P, Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class A-P and Class B Certificates that contains 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. The Class A-8A Certificates shall be issuable in minimum denominations of not less than a 10% Percentage Interest. For purposes of the Depository, the Class A-8A Certificates shall initially be issuable in minimum denominations of not less than $4,000,000. The Class A-12 Certificates shall be issuable in minimum denominations of not less than a 10% Percentage Interest. For purposes of the Depository, the Class A-12 Certificates shall initially be issuable in minimum denominations of not less than $1,880,910. The Class R Certificates and Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one of each of the Class R-I Certificates and Class R-II Certificates 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%. 3 The ratings on the Class A-3 Certificates have been determined without regard to the Certificate Policy issued by the Certificate Insurer. 4 As of any Distribution Date, for federal income tax purposes, the Class A-8A Certificates will accrue interest at a fixed rate equal to 6.75% on a Notional Amount equal to 2/27 mulitplied by the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest U, immediately prior to such date. 5 As of any Distribution Date, the Class A-12 Certificates will accrue interest at an adjustable Pass-Through Rate (as described in the definition thereof) on a Notional Amount equal to the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest W, immediately prior to such date. -3- $ 0.005 Senior/Inverse June 25, 2031 Class A-12 Adjustable Rate Floater/Interest Only Aaa/AAA 10% Senior/Principal Class A-P 0.00% $ 1,367,508.75 Only June 25, 2031 Aaa/AAA $25,000 Class A-V Variable Rate $ 0.00Senior/Interest Only June 25, 2031 Aaa/AAA 20% Class R-I 6.75% $ 100.00 Senior/Residual June 25, 2031 Aaa/AAA 20% Class R-II 6.75% $ 100.00 Senior/Residual June 25, 2031 Aaa/AAA 20% Class M-1 6.75% $ 11,118,200.00 Mezzanine June 25, 2031 N/A/AA $25,000 Class M-2 6.75% $ 4,042,900.00 Mezzanine June 25, 2031 N/A/A $250,000 Class M-3 6.75% $ 2,695,300.00Mezzanine June 25, 2031 N/A/BBB $250,000 Class B-1 6.75% $ 1,684,500.Subordinate June 25, 2031 N/A/BB $250,000 Class B-2 6.75% $ 1,010,700.Subordinate June 25, 2031 N/A/B $250,000 Class B-3 6.75% $ 1,348,334.Subordinate June 25, 2031 N/A $250,000
The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $673,830,643.47. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: -4- 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: Any one of the Class A-4 Certificates, Class A-5 Certificates, Class A-8 Certificates, Class A-9 Certificates, Class A-10 Certificates or Class A-11 Certificates. Accretion Termination Date: The earlier to occur of (i) the Distribution Date on which the Certificate Principal Balances of the Class A-4 Certificates, Class A-5 Certificates, Class A-8 Certificates, Class A-9 Certificates, Class A-10 Certificates and Class A-11 Certificates have been reduced to zero and (iii) the Credit Support Depletion Date. Accrual Certificates: Any one of the Class A-6 Certificates. Accrual Distribution Amount: With respect to each Distribution Date prior to the Accretion Termination Date, an amount equal to the amount of Accrued Certificate Interest on the Class A-6 Certificates for such date, to the extent added to the Certificate Principal Balance thereof pursuant to Section 4.02(e); provided that, with respect to each Distribution Date on or after the Accretion Termination Date, an amount equal to the amount of the Accrued Certificate Interest on the Class A-6 Certificates for such date will be payable, as interest, to the Class A-6 Certificateholders pursuant to Section 4.02(a)(i) hereof, to the extent not required to fully reduce the Certificate Principal Balances of the Accretion Directed Certificates to zero on the Accretion Termination Date; and provided further, that if the Accretion Termination Date is the Credit Support Depletion Date, the entire amount of Accrued Certificate Interest on the Class A-6 Certificates for that date will be payable, as interest, to the Class A-6 Certificateholders pursuant to Section 4.02(a)(i) hereof. 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) $176,270 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 -5- (A) 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 (other than Additional Collateral Loans, if any) having a Loan-to-Value Ratio at origination which exceeds 75% and (ii) $100,000; and (B) 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, if any) 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, 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 "Bank One, National Association, as trustee, in trust for the registered holders of Residential Funding Mortgage Securities I, Inc., Mortgage Pass-Through Certificates, Series 2001-S14" and which must be an Eligible Account. Certificate Insurance Account: The account established pursuant to Section 12.02(b) of this Series Supplement. Certificate Insurance Payment: Any payment made by the Certificate Insurer with respect to any Insured Certificates under the Certificate Policy. -6- Certificate Insurer: MBIA Insurance Corporation, a stock insurance company organized and created under the laws of the State of New York, and any successors thereto, issuer of the Certificate Policy. Certificate Insurer Default: The existence and continuance of a failure by the Certificate Insurer to make a payment required under the Certificate Policy in accordance with its terms. Certificate Policy: The Certificate Guaranty Insurance Policy (No. 35627) issued by the Certificate Insurer for the benefit of the Holders of any Insured Certificates, including any endorsements thereto, attached hereto as Exhibit Five. 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) 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 (iii) 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, however, that solely for purposes of determining the Certificate Insurer's rights as subrogee to the Insured Certificateholders, the Certificate Principal Balance of any Insured Certificate shall be deemed to not be reduced by any principal amounts paid to the Holder thereof from Certificate Insurance Payments, unless such amounts have been reimbursed to the Certificate Insurer pursuant to Section 4.02(a)(xvi) or Section 4.02(e); provided, that the Certificate Principal Balance of the Class of Subordinate Certificates with the Lowest Priority at any given time shall be calculated to equal the Percentage Interest evidenced by such Certificate times the excess, if any, of (A) the then aggregate Stated Principal Balance of the Mortgage Loans over (B) the then aggregate Certificate Principal Balance of all other Classes of Certificates then outstanding. 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-8A, Class A-9, Class A-10, Class A-11, Class A-12, Class A-P or Class A-V Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. Class R Certificate: Any one of the Class R-I Certificates or Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the -7- Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in the REMIC for purposes of the REMIC Provisions. Closing Date: June 28, 2001. Commitment Letter: The letter , dated June 27, 2001, between the Certificate Insurer and the Senior Underwriter, relating to the Certificate Policy. 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 Agreement is located at 1 Bank One Plaza, Suite IL1-0126, Chicago, Illinois 60670-0126, Attention: Residential Funding Corporation Series 2001-S14. Corresponding Certificated Interests: With respect to Uncertificated REMIC I Regular Interest T, the Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-9 Certificates, Class M-1 Certificates, Class M-2 Certificates, Class M-3 Certificates, Class B-1 Certificates, Class B-2 Certificates, Class B-3 Certificates and Class R-II Certificates; with respect to Uncertificated REMIC I Regular Interest U, the Class A-8 Certificates; with respect to Uncertificated REMIC I Regular Interest V, the Class A-10 Certificates; with respect to Uncertificated REMIC I Regular Interest W, the Class A-11 Certificates; with respect to Uncertificated REMIC I Regular Interest Y, the Class A-P Certificates; and with respect to Uncertificated REMIC I IO Regular Interest, the Class A-V Certificates. Cumulative Insurance Payments: As of any time of determination, the aggregate of all Certificate Insurance Payments previously made by the Certificate Insurer under the Certificate Policy minus the aggregate of all payments previously made to the Certificate Insurer pursuant to Sections 4.02(a)(xvi) and 4.02(f) of this Series Supplement as reimbursement for Certificate Insurance Payments. Cut-off Date: June 1, 2001. Deceased Holder: A Certificate Owner of an Insured Certificate who was a natural person living at the time such interest was acquired and whose authorized personal representative, surviving tenant by the entirety, surviving joint tenant or surviving tenant in common or other person empowered to act on behalf of a deceased Certificate Owner causes to be furnished to the Depository Participant evidence of death satisfactory to the Depository Participant and any tax waivers requested by the Depository Participant. Determination Date: With respect to any Distribution Date, the second Business Day prior to such Distribution Date. Discount Net Mortgage Rate: 6.75% per annum. -8- Due Period: With respect to each Distribution Date and any Mortgage Loan, the period commencing on the second day of the month prior to the month in which such Distribution Date occurs and ending on the first day of the month in which such Distribution Date occurs. Eligible Funds: On any Distribution Date, the portion, if any, of the Available Distribution Amount remaining after reduction by 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) of this Series Supplement), (iii) the Class A-P Principal Distribution Amount (determined without regard to Section 4.02(b)(i)(E) of this Series Supplement) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Floater Certificates: Any one of the Class A-11 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 3.00% 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 and (Y) from the first to 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) 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount allocated through subordination with respect to Fraud Losses up to such date of determination and (Z) from the second to the fifth anniversary as 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 of this Series Supplement 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. Indirect Depository Participant: An institution that is not a Depository Participant but clears through or maintains a custodial relationship with Participants and has access to the Depository's clearing system. Individual Insured Certificate: An Insured Certificate that evidences $1,000 Initial Certificate Principal Balance. -9- Initial Monthly Payment Fund: $639,200, representing scheduled principal amortization and interest at the Net Mortgage Rate during the Due Period ending in July 2001, for those Mortgage Loans for which the Trustee will not be entitled to receive such payment in accordance with the definition of "Trust Fund". Initial Notional Amount: With respect to the Class A-8A Certificates, $2,962,962.96. However, for federal income tax purposes, the Initial Notional Amount of the Class A-8A Certificates shall be $40,000,000.00. With respect to the Class A-12 Certificates, $18,809,100.00. With respect to any 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 Class A-V REMIC Regular Interests represented by such Class or Subclass. 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: 1.65% Class B-1: 0.25% Class M-2: 0.60% Class B-2: 0.15% Class M-3: 0.40% Class B-3: 0.20% Insured Certificates: Any one of the Class A-3 Certificates. Insured Payment: With respect to any Insured Certificates and any Distribution Date, as defined in the Certificate Policy. Interest Accrual Period: With respect to any Certificates (other than the Floater Certificates and Inverse Floater Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. With respect to the Floater Certificates and Inverse Floater Certificates, the one-month period commencing on the 25th day of the month preceding the month in which the distribution date occurs and ending on the 24th day of the month in which the distribution date occurs. Interest Only Certificates: Any one of the Class A-8A Certificates, Class A-12 Certificates or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-12 Certificates. LIBOR Rate Adjustment Date: With respect to each Distribution Date and the Floater Certificates and Inverse Floater Certificates, the second LIBOR Business Day immediately preceding the commencement of the related Interest Accrual Period on which banks are open for dealing in foreign currency and exchange in London, England. Living Owner: A Certificate Owner of an Insured Certificate other than a Deceased Holder. Lockout Certificates: Any one of the Class A-7 Certificates. -10- Lockout Percentage: For any Distribution Date occurring prior to the Distribution Date in July 2006, 0%. The Lockout Percentage for any Distribution Date occurring after the first five years following the Closing Date will be as follows: for any Distribution Date during the sixth year after the Closing Date, 30%; for any Distribution Date during the seventh year after the Closing Date, 40%; for any Distribution Date during the eighth year after the Closing Date, 60%; for any Distribution Date during the ninth year after the Closing Date, 80%; and for any Distribution Date thereafter, 100%. Maturity Date: June 25, 2031, 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: (a) the Mortgage Loan identifying number ("RFC LOAN #"); (b) the maturity of the Mortgage Note ("MATURITY DATE"); (c) the Mortgage Rate ("ORIG RATE"); (d) the Subservicer pass-through rate ("CURR NET"); (e) the Net Mortgage Rate ("NET MTG RT"); (f) the Pool Strip Rate ("STRIP"); (g) the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (h) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (i) the Loan-to-Value Ratio at origination ("LTV"); (j) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); (k) 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 (l) 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, with respect to the Class A-8A Certificates, an amount equal to 2/27 multiplied by the Certificate Principal Balance of the Class A-8 Certificates immediately prior to that date. However, for federal income tax purposes, the Notional Amount of the Class A-8A Certificates will be the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest U, and when such Notional Amount is multiplied by a Pass-Through Rate of 0.50%, the resulting Accrued Certificate Interest will be the economic equivalent of the Accrued Certificate Interest resulting under the definition thereof. As of any Distribution Date, with respect to the Class A-12 Certificates, an amount equal to the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest W immediately prior to that date. As of any Distribution Date, 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 Class A-V REMIC Regular Interests represented by such Class or Subclass as of the -11- day immediately preceding such Distribution Date (or, with respect to the initial Distribution Date, at the close of business on the Cut-off Date). Pass-Through Rate: With respect to the Class A Certificates (other than the Floater, Inverse Floater, Class A-V and Principal Only Certificates), Class M Certificates, Class B Certificates and Class R Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. With respect to the Floater Certificates and the initial Interest Accrual Period, 4.280% 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 9.00% per annum and a minimum rate of 0.40% per annum. With respect to the Inverse Floater Certificates and the initial Interest Accrual Period, 4.720% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 8.60% minus LIBOR, subject to a maximum rate of 8.60% per annum and a minimum rate of 0.00% per annum. However, for federal income tax purposes, the Pass-Through Rate for the Class A-8A Certificates will be 0.50% per annum, and when such Pass-Through Rate is multiplied by a Notional Amount equal to the Uncertificated Principal Balance of Uncertificated REMIC I Regular Interest U, the resulting Accrued Certificate Interest will be the economic equivalent of the Accrued Certificate Interest resulting under the definition thereof. 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 0.2954% 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 Class A-V REMIC Regular Interests represented by 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: A prepayment assumption of 275% of the prepayment speed assumption, used for determining the accrual of original issue discount and market discount and premium on the Certificates for federal income tax purposes. The prepayment speed assumption assumes a constant rate of prepayment of mortgage loans of 0.2% per annum of the then outstanding principal balance of such mortgage loans in the first month of the life of the mortgage loans, increasing by an additional 0.2% per annum in each succeeding month until the thirtieth month, and a constant 6% per annum rate of prepayment thereafter for the life of the mortgage loans. 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: -12- (i) For any Distribution Date prior to the Distribution Date in July 2006 (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 for which clause (i) above does not apply, and 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 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. Random Lot: With respect to any Distribution Date, the method by which the Depository will determine which Insured Certificates will be paid, using its established random lot procedures -13- or, if the Insured Certificates are no longer represented by a Book-Entry Certificate, using the Trustee's procedures. Record Date: With respect to each Distribution Date and each Class of Certificates (other than the Floater and Inverse Floater Certificates), the close of business on the last Business Day of the month next preceding the month in which the related Distribution Date occurs. With respect to each Distribution Date and the Floater and Inverse Floater Certificates, the 24th day of the month in which such Distribution Date occurs. REMIC I: The segregated pool of assets related to this Series, with respect to which a REMIC election is to be made (except as provided below) 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 Pledged Assets for any Pledged Asset Loan, 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, (v) the Rounding Account, and (vi) all proceeds of clauses (i) through (v) above. Notwithstanding the foregoing, the REMIC election specifically excludes the Initial Monthly Payment Fund. 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 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-8A, Class A-9, Class A- 10, Class A-11, Class A-12, Class A-P, Class A-V, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and R-II Certificates pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC II Certificates: Any 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-8A, Class A-9, Class A-10, Class A-11, Class A-12, Class -14- A-P, Class A-V, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates. Reserve Fund: Any one or more segregated trust accounts that are Eligible Accounts, which shall be titled "Reserve Fund, Bank One, National Association, as trustee for the registered holders of Residential Funding Mortgage Securities I, Inc., Mortgage Pass-Through Certificates, Series 2001-S14, Class A-3." Reserve Fund Deposit: $20,000. Reserve Fund Withdrawal: As defined in Section 4.10. Rounding Account: With respect to the Insured Certificates, the account created and maintained for such Insured Certificates pursuant to Section 4.11. Rounding Amount: With respect to the Rounding Account, the amount of funds, if any, needed to be withdrawn and used to round the amount of any distributions in reduction of the Certificate Principal Balance of the Insured Certificates upward to the next higher integral multiple of $1,000. Scheduled Final Distribution Date: June 25, 2031. Senior Certificate: Any one of the Class A 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, respectively. 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: As 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 pursuant to Section 4.02(a)(i) and Section 4.02(a)(ii)(X) of this Series Supplement, or, after the Credit Support Depletion Date, the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(c) of this Series Supplement and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Section 4.02(a)(ii)(Y), (xvii) and (xviii) of this Series Supplement. Senior Underwriter: Salomon Smith Barney Inc. Special Hazard Amount: As of any Distribution Date, an amount equal to $6,738,306 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 -15- 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 greatest of (i) twice the outstanding principal balance of the Mortgage Loan in the Trust Fund which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, (ii) the product of 1.00% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary and (iii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans in any single five-digit California zip code area with the largest amount of Mortgage Loans by aggregate principal balance as of 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 50.00% (which percentage is equal to the percentage of Mortgage Loans 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 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. 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 for such Distribution Date under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A) of this Series Supplement (without giving effect to the Senior Percentage) 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) of this Series Supplement (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 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 -16- of Subordinate Certificates minus (b) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date; provided, however, that the Subordinate Principal Distribution Amount for any Class of Subordinate Certificates on any Distribution Date shall in no event exceed the outstanding Certificate Principal Balance of such Class of Certificates immediately prior to such date. Trust Fund: REMIC I, REMIC II, the Initial Monthly Payment Fund, the Reserve Fund and the Certificate Policy. Uncertificated Class A-V REMIC Accrued Interest: With respect to each Distribution Date, as to each Uncertificated Class A-V REMIC Regular Interest, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on each such uncertificated interest, if the Pass-Through Rate on such uncertificated interest was equal to the related Uncertificated Class A-V REMIC Pass-Through Rate and the notional amount of such uncertificated interest was equal to the related Uncertificated Class A-V REMIC Notional Amount; provided, that any reduction in the amount of Accrued Certificate Interest resulting from the allocation of Prepayment Interest Shortfalls, Realized Losses or other amounts to the Class A-V Certificateholders pursuant to Section 4.05 hereof shall be allocated to the Uncertificated Class A-V REMIC Regular Interests pro rata in accordance with the amount of interest accrued with respect to each related Uncertificated Class A-V REMIC Notional Amount and such Distribution Date. Uncertificated Class A-V REMIC Notional Amount: With respect to each Uncertificated Class A-V REMIC Regular Interest, the amount of the related Uncertificated REMIC I IO Notional Amount. Uncertificated Class A-V REMIC Pass-Through Rate: With respect to each Uncertificated Class A-V REMIC Regular Interest, the related Uncertificated REMIC I Pass-Through Rate. Uncertificated Class A-V REMIC Regular Interest Distribution Amounts: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated Class A-V REMIC Regular Interests for such Distribution Date pursuant to Section 4.09(a). Uncertificated Class A-V REMIC Regular Interests: The 1,486 uncertificated partial undivided beneficial ownership interests in the Trust Fund numbered sequentially from 1 through 1,486 each relating to the particular Mortgage Loan identified by sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. Uncertificated Principal Balance: With respect to each Uncertificated REMIC I Regular Interest on any date of determination, an amount equal to (A)(i) $444,372,034.72 with respect to Uncertificated REMIC I Regular Interest T, (ii) $40,000,000 with respect to Uncertificated REMIC I Regular Interest U, (iii) $169,281,900 with respect to Uncertificated REMIC I Regular Interest V, (iv) $18,809,100 with respect to Uncertificated REMIC I Regular Interest W and (iv) $1,367,508.75 with respect to Uncertificated REMIC I Regular Interest Y, minus (B) 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 -17- reductions in Uncertificated 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). Uncertificated REMIC I Accrued Interest: With respect to each Distribution Date, (i) as to Uncertificated REMIC I Regular Interest T, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-9, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates if the Pass-Through Rate on such Classes were equal to the related Uncertificated REMIC I Pass-Through Rate and the related Uncertificated Principal Balance were the aggregate Certificate Principal Balance, (ii) as to Uncertificated REMIC I Regular Interest U, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Class A-8 Certificates if the related Pass-Through Rate on such Class were equal to the related Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal Balance were the Certificate Principal Balance, (iii) as to Uncertificated REMIC I Regular Interest V, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Class A-10 Certificates if the related Pass-Through Rate on such Class were equal to the related Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal Balance were the Certificate Principal Balance, (iv) as to Uncertificated REMIC I Regular Interest W, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Class A-11 Certificates if the related Pass-Through Rate on such Class were equal to the related Uncertificated REMIC I Pass-Through Rate and the Uncertificated Principal Balance were the Certificate Principal Balance, (v) as to Uncertificated REMIC I Regular Interest Y, the Uncertificated REMIC I Regular Interest Y will receive no Uncertificated REMIC I Accrued Interest and (vi) as to each Uncertificated REMIC I IO Regular Interest, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on each such uncertificated interest, if the Pass-Through Rate on such uncertificated interest was equal to the related Uncertificated REMIC I Pass-Through Rate and the notional amount of such uncertificated interest was equal to the related Uncertificated REMIC I IO Notional Amount; provided, that any reduction in the amount of Accrued Certificate Interest resulting from the allocation of Prepayment Interest Shortfalls, Realized Losses or other amounts to the Certificates pursuant to Sections 4.02(a) and 4.05 hereof shall be allocated to the Uncertificated REMIC I Regular Interests for which such Certificates are the Corresponding Certificated Interests. Uncertificated REMIC I IO Notional Amount: With respect to each Uncertificated REMIC I IO Regular Interest, an amount equal to the aggregate Stated Principal Balance of the related Non- Discount Mortgage Loan. Uncertificated REMIC I IO Regular Interests: The 1,486 uncertificated partial undivided beneficial ownership interests in REMIC I, each relating to a Mortgage Loan with a Net Mortgage Rate in excess of 6.75%, each having no principal balance, and each bearing interest at the respective Uncertificated REMIC I Pass-Through Rate on the Uncertificated REMIC I IO Notional Amount. Uncertificated REMIC I Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests T, U, V, W and Y, 6.75%, 6.75%, 6.50%, 9.00% and 0.00%, respectively. -18- With respect to the Uncertificated REMIC I IO Regular Interests, an amount equal to the Pool Strip Rate for the related Mortgage Loan. Uncertificated REMIC I Regular Interest T: An uncertificated partial undivided beneficial ownership interest in REMIC I having a principal balance equal to the aggregate Certificate Principal Balance of the Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-9 Certificates, Class M-1 Certificates, Class M-2 Certificates, Class M-3 Certificates, Class B-1 Certificates, Class B-2 Certificates, Class B-3 Certificates and Class R-II Certificates, and which bears interest at a rate equal to 6.75% per annum. Uncertificated REMIC I Regular Interest U: An uncertificated partial undivided beneficial ownership interest in REMIC I having a principal balance equal to the aggregate Certificate Principal Balance of the Class A-8 Certificates, and which bears interest at a rate equal to 6.75% per annum. Uncertificated REMIC I Regular Interest V: An uncertificated partial undivided beneficial ownership interest in REMIC I having a principal balance equal to the aggregate Certificate Principal Balance of the Class A-10 Certificates, and which bears interest at a rate equal to 6.50% per annum. Uncertificated REMIC I Regular Interest W: An uncertificated partial undivided beneficial ownership interest in REMIC I having a principal balance equal to the aggregate Certificate Principal Balance of the Class A-8 Certificates, and which bears interest at a rate equal to 9.00% per annum. Uncertificated REMIC I Regular Interest Y: An uncertificated partial undivided beneficial ownership interest in REMIC I having a principal balance equal to the aggregate Certificate Principal Balance of the Class A-P Certificates, and which bears interest at a rate equal to 0.00% per annum. Uncertificated REMIC I Regular Interests: Uncertificated REMIC I Regular Interest T, Uncertificated REMIC I Regular Interest U, Uncertificated REMIC I Regular Interest V, Uncertificated REMIC I Regular Interest W, Uncertificated REMIC I Regular Interest Y and the Uncertificated REMIC I IO Regular Interests. Uncertificated REMIC I IO Regular Interest Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I IO Regular Interest for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest T Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interest T for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest U Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interest U for such Distribution Date pursuant to Section 10.04(a). -19- Uncertificated REMIC I Regular Interest V Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interest V for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest W Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interest W for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Y Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interest Y for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Distribution Amounts: The Uncertificated REMIC I Regular Interest T Distribution Amount, the Uncertificated REMIC I Regular Interest U Distribution Amount, the Uncertificated REMIC I Regular Interest V Distribution Amount, the Uncertificated REMIC I Regular Interest W Distribution Amount, the Uncertificated REMIC I Regular Interest Y Distribution Amount and the Uncertificated REMIC I IO Regular Interest Distribution Amount. 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 Floater Certificates and Inverse Floater Certificates, if any, for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined on each LIBOR Rate Adjustment Date. On each LIBOR Rate Adjustment Date (other than for the initial Interest Accrual Period), 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 as of 11:00 a.m., London time, on such 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, LIBOR shall be so established by use of such 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 -20- 11:00 a.m., London time, on the LIBOR Rate Adjustment 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 Floater Certificates and Inverse Floater 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, with respect to each of the Floater Certificates and Inverse Floater Certificates, the Certificate Principal Balances of the Floater Certificates and Inverse Floater Certificates, respectively, then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Trustee's subsequent calculation of the Pass-Through Rates applicable to each of the Floater Certificates and Inverse Floater 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 to any Certificateholder so requesting by telephone the Pass-Through Rates on each of the Floater Certificates and Inverse Floater Certificates for the current and the immediately preceding Interest Accrual Period. -21- 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 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, 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 that (a) 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%, (b) at least 25% of the Stated Principal Balance of the Mortgage Loans at origination if the Loan-to-Value Ratio is between 90.00% and 85.01%, and (c) 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; -22- (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 0.5% 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) No more than 7.91% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program; (x) Each Mortgagor represented in its loan application with respect to the related Mortgage Loan that the Mortgaged Property would be owner-occupied and therefore would not be an investor property as of the date of origination of such Mortgage Loan. No Mortgagor is a corporation or a partnership; (xi) None of the Mortgage Loans are Buydown Mortgage Loans; (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 are Cooperative Loans; (xv) With respect to any 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 -23- 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; and (xvii) None of the Mortgage Loans contain in the related Mortgage File a Destroyed Mortgage Note. 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 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. 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, receipt of which is hereby -24- 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 Certificates in authorized denominations which evidence ownership of the entire Trust Fund. -25- ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS (SEE ARTICLE III OF THE STANDARD TERMS) -26- 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 (x) the Master Servicer on behalf of the Trustee or (y) 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, the amount required to be distributed to the Master Servicer or a Sub-Servicer pursuant to Section 4.02(a)(iii) below, to the Certificate Insurer, in the case of a distribution pursuant to Section 4.02(a)(xvi) below, the amount required to be distributed to the Certificate Insurer pursuant to Section 4.02(a)(xvi) 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) below), in each case to the extent of the Available Distribution Amount and, together with, as to any Insured Certificate, any Reserve Fund Withdrawal pursuant to Section 4.10 of this Series Supplement and any Insured Payment pursuant to Section 12.02 of this Series Supplement: (i) to the Senior Certificates (other than the Principal Only Certificates, and, on or prior to the Accretion Termination Date, the Accrual Certificates to the extent described in the definition 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) (the "Senior Interest Distribution Amount"); and (ii) (X) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (as defined in Section 4.02(b)(i) herein); and -27- (Y) to the Senior Certificates (other than the Class A-P Certificates), in the priorities and amounts set forth in Section 4.02(b)(iii) through (f), the sum of the following (applied to reduce the Certificate Principal Balances of such Senior Certificates, as applicable): (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) of the Standard Terms) pursuant to Sections 2.02, 2.04 or 4.07 of the Standard Terms and Section 2.03 of the Standard Terms and this Series Supplement, and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan pursuant to Section 2.04 of the Standard Terms or Section 2.03 of the Standard Terms and this Series Supplement, 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) received during the preceding calendar month (or deemed to have been so received in accordance with Section 3.07(b) of the Standard Terms) 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); -28- (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) of the Standard Terms) 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 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 Section 4.02(b)(i)(C) of this Series Supplement); (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; (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 -29- thereon remaining unpaid from any previous Distribution Date, except as provided below; (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) of this Series Supplement 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) of this Series Supplement 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 -30- extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiii), (xiv) and (xv) of this Series Supplement 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; (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) of this Series Supplement 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) of this Series Supplement 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 Certificate Insurer, as subrogee of the Insured Certificateholders, an amount necessary to reimburse the Certificate Insurer for claims paid under the Certificate Policy, to the extent of Cumulative Insurance Payments on the Insured Certificates; (xvii) to the Senior Certificates, in the priority set forth in Section 4.02(b) of this Series Supplement, the portion, if any, of the Available Distribution Amount remaining after the foregoing distributions, together with Insured Payments and Rounding Account withdrawals with respect to the Class A-3 Certificates, 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 -31- Class of Subordinate Certificates, but in no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xviii)to the Class R-II 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 such unpaid Accrued Certificate Interest was attributable to interest shortfalls relating to 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 occurring prior to the Credit Support Depletion Date will be made as follows: (i) to the Class A-P Certificates, until the Certificate Principal Balance thereof is reduced to zero, an amount (the "Class A-P Principal Distribution Amount") equal to the aggregate of: (A) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan 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 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 and repurchases (including deemed repurchases under Section 3.07(b) of the Standard Terms) of 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 that did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary -32- 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 Discount 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 amount of any Class A-P Collection Shortfalls remaining unpaid for all previous Distribution Dates, but only to the extent of the Eligible Funds for such Distribution Date; (ii) an amount equal to the Accrual Distribution Amount shall be distributed in the following order of priority: (A) first, to the Class A-5 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and (B) second, concurrently: (1) 7.6388865824% to the Class A-4 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (2) 56.2228362854% to the Class A-10 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (3) 6.2469818095% to the Class A-11 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and (4) 29.8912953227% sequentially, to the Class A-9 Certificates and Class A-8 Certificates, in each case until the Certificate Principal Balance thereof has been reduced to zero; (iii) the Senior Principal Distribution Amount shall be distributed, concurrently, to the Class R-I Certificates and Class R-II Certificates, on a pro rata basis, until the Certificate Principal Balances thereof have been reduced to zero; and (iv) the balance of the Senior Principal Distribution Amount remaining after the distribution described in clause (iii) above shall be distributed, concurrently as follows: -33- (A) 38.5147941091% sequentially, to the Class A-1, Class A-2 and Class A-3 Certificates, in each case until the Certificate Principal Balance thereof has been reduced to zero; and (B) 61.4852058909% in the following manner and priority: (1) 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 Senior Certificates (other than the Class A-1, Class A-2, Class A-3 and Class A-P Certificates)) of the Senior Principal Distribution Amount allocated pursuant to this clause (iv)(B) shall be distributed to the Lockout Certificates, until the Certificate Principal Balance thereof has been reduced to zero; (2) the balance remaining after the distributions, if any, described in clause (iv)(B)(1) above shall be distributed concurrently as follows: (I) 70.1087046773% concurrently, on a pro rata basis, to the Class A-4, Class A-10 and Class A-11 Certificates, until the Certificate Principal Balances thereof have been reduced to zero; and (II) 29.8912953227% in the following order and priority: (A) the lesser of the Senior Principal Distribution Amount allocated pursuant to this clause (iv)(B)(2)(II) and $125,000 to the Class A-8 Certificates, in reduction of the Certificate Principal Balance thereof; (B) 54.5% of the balance remaining after the distributions, if any, described in clause (iv)(B)(2)(II)(A) above shall be distributed to the Class A-9 Certificates, until the Certificate Principal Balance thereof has been reduced to zero; and (C) the balance remaining after the distributions, if any, described in clause (iv)(B)(2)(II)(B) above shall be distributed sequentially, to the Class A-8 Certificates and Class A-9 Certificates, in each case until the Certificate Principal Balance thereof has been reduced to zero; -34- (3) the balance remaining after the distributions, if any, described in clause (iv)(B)(2) above shall be distributed sequentially, to the Class A-5 Certificates and Class A-6 Certificates, in each case until the Certificate Principal Balance thereof has been reduced to zero; and (4) the balance remaining after the distributions, if any, described in clause (iv)(B)(3) above shall be distributed to the Lockout Certificates, until the Certificate Principal Balance thereof has been reduced to zero. (c) On or after the Credit Support Depletion Date, all priorities relating to distributions as described in Section 4.02(b) above in respect of principal among the various classes of Senior Certificates (other than the Class A-P Certificates) will be disregarded, and (i) an amount equal to the Discount Fraction of the principal portion of scheduled payments and unscheduled collections received or advanced in respect of the Discount Mortgage Loans will be distributed to the Class A-P Certificates, (ii) the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances, and (iii) the amount set forth in Section 4.02(a)(i) will be distributed as set forth therein. (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, Variable Strip and Subordinate Certificates, in each case as described herein. (e) On each Distribution Date prior to the Accretion Termination Date, an amount equal to the Accrued Certificate Interest that would otherwise be distributed on the Class A-6 Certificates shall be added to the Certificate Principal Balance of such Certificates. On or after the Accretion Termination Date, the entire amount of Accrued Certificate Interest on the Class A-6 Certificates for such Distribution Date shall be payable, as interest, to the Class A-6 Certificateholders pursuant to Section 4.02(a)(i) of this Series Supplement to the extent not required to reduce the Certificate Principal Balances of the Accretion Directed Certificates to zero on such Accretion Termination Date; provided that if the Accretion Termination Date is the Credit Support Depletion Date, the entire amount of Accrued Certificate Interest on the Class A-6 Certificates for such Distribution Date will be paid, as interest, to the Class A-6 Certificateholders pursuant to Section 4.02(a)(i) of this Series Supplement. Any such Accrued Certificate Interest on the Class A-6 Certificates which is required to be paid to the holders of the Accretion Directed Certificates on the Accretion Termination Date will be added to the Certificate Principal Balance of the Class A-6 Certificates in the manner described in the first sentence of this Section 4.02(e). -35- (f) In addition to the foregoing distributions, with respect to any Mortgage Loan that was previously the subject of a Cash Liquidation or an REO Disposition that resulted in a Realized Loss, in the event that within two years of the date on which such Realized Loss was determined to have occurred the Master Servicer receives amounts, which the Master Servicer reasonably believes to represent subsequent recoveries (net of any related liquidation expenses), or determines that it holds surplus amounts previously reserved to cover estimated expenses, specifically related to such Mortgage Loan (including, but not limited to, recoveries in respect of the representations and warranties made by the related Seller pursuant to the applicable Seller's Agreement and assigned to the Trustee pursuant to Section 2.04), the Master Servicer shall distribute such amounts to the applicable Certificateholders of the Class or Classes to which such Realized Loss was allocated (or to the Certificate Insurer, as subrogee for the Insured Certificateholders, to the extent the Certificate Insurer made an Insured Payment in respect of such Realized Loss, if applicable)(with the amounts to be distributed allocated among such Classes (or to the Certificate Insurer) in the same proportions as such Realized Loss was allocated), and within each such Class to the Certificateholders of record as of the Record Date immediately preceding the date of such distribution (or if such Class of Certificates is no longer outstanding, to the Certificateholders of record at the time that such Realized Loss was allocated); provided that no such distribution to any Class of Certificates (or to the Certificate Insurer) of subsequent recoveries related to a Mortgage Loan shall exceed, either individually or in the aggregate and together with any other amounts paid in reimbursement therefor, the amount of the related Realized Loss that was allocated to such Class of Certificates. Notwithstanding the foregoing, no such distribution shall be made with respect to the Certificates of any Class to the extent that either (i) such Class was protected against the related Realized Loss pursuant to any instrument or fund established under Section 11.01(e) or (ii) such Class of Certificates has been deposited into a separate trust fund or other structuring vehicle and separate certificates or other instruments representing interests therein have been issued in one or more classes, and any of such separate certificates or other instruments were protected against the related Realized Loss pursuant to any limited guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or a combination thereof. Any amount to be so distributed with respect to the Certificates of any Class shall be distributed by the Master Servicer to the Certificateholders of record as of the Record Date immediately preceding the date of such distribution (i) with respect to the Certificates of any Class (other than the Class A-V Certificates), on a pro rata basis based on the Percentage Interest represented by each Certificate of such Class as of such Record Date and (ii) with respect to the Class A-V Certificates, to the Class A-V Certificates or any Subclass thereof in the same proportion as the related Realized Loss was allocated. Any amounts to be so distributed shall not be remitted to or distributed from the Trust Fund, and shall constitute subsequent recoveries with respect to Mortgage Loans that are no longer assets of the Trust Fund. (g) 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 -36- 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. (h) 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). (i) Notwithstanding the priorities relating to distributions of principal among the Insured Certificates described above, on any Distribution Date, distributions in respect of principal on the Insured Certificates will be allocated among the Certificate Owners of the Insured Certificates as set forth in Section 4.12. On each Distribution Date on which amounts are available for distributions in reduction of the Certificate Principal Balance of the Insured Certificates (including, for purposes of this paragraph, the portion of any Certificate Insurance Payment allocable to principal) the aggregate amount available for such distributions will be rounded upward by the Rounding Amount. Such rounding will be accomplished on the first Distribution Date on which distributions in reduction of the Certificate Principal Balance of the Insured Certificates are made by withdrawing from the Rounding Account the Rounding Amount for deposit into the Certificate Account, and such Rounding Amount will be added to the amount that is available for distributions in reduction of the Certificate Principal Balance of the Insured Certificates. On each succeeding Distribution Date on which distributions in reduction of the Certificate Principal Balance of the Insured Certificates are made, first, the aggregate amount available for distribution in reduction of the Certificate Principal Balance of the Insured Certificates will be applied to repay the Rounding Amount withdrawn from the Rounding Account on the prior Distribution Date and then, the remainder of such allocable amount, if any, will be similarly rounded upward through another withdrawal from the Rounding Account and such determined Rounding Amount will be added to the amount that is available for distributions in reduction of the Certificate Principal Balance of the Insured Certificates. Any funds remaining in the Rounding Account after the Certificate Principal Balance of the Insured Certificates is reduced to zero shall be distributed to the Class R-II Certificateholders. Section 4.03 Statements to Certificateholders. (See Section 4.03(a) through (d) of the Standard Terms and Exhibit Three attached hereto) -37- (e) The Trustee will make the reports referred to in this Section 4.03 (and, at its option, any additional files containing the same information in an alternative format) available each month to Certificateholders, the Certificate Insurer and other parties to the Agreement via the Trustee's website, which is presently located at www.abs.bankone.com. Persons that are unable to use the above website are entitled to have a paper copy mailed to them via first class mail by calling the Trustee at (800) 524-9472. The Trustee shall have the right to change the way the reports referred to in this Section 4.03 are distributed in order to make such distribution more convenient and/or more accessible to the above parties and to the Certificateholders and the Certificate Insurer. The Trustee shall provide timely and adequate notification to all the parties mentioned above and to the Certificateholders and the Certificate Insurer regarding any such change. 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, the 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, (ii) the amounts required to be withdrawn from the Custodial Account, Rounding Accounts or Reserve Fund and deposited into the Certificate Account and Certificate Insurance Account on the immediately succeeding Certificate Account Deposit Date pursuant to clause (iii) of Section 4.01(a) and (iii) the amount of Cumulative Insurance Payments as of such Determination Date; provided, however, that the Master Servicer shall provide to the Trustee a written statement setting forth the portion of the Senior Principal Distribution Amount distributable to each Class of Retail Certificates on any Distribution Date no later than 12:00 Noon New York time on the Business Day immediately preceding each Determination Date to enable the Trustee to notify the Depository in accordance with Section 4.12(c) and (d). 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 Monthly Payments were delinquent 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 -38- 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. 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 -39- 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 until the Certificate Principal Balance thereof has been reduced to zero, 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 the Senior Certificates (other than the Class A-P Certificates) on a pro rata basis, as described below. Any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses, Extraordinary Losses on Non-Discount Mortgage Loans will be allocated among the Senior Certificates (other than the Class A-P Certificates) and Subordinate Certificates, on a pro rata basis, as described below. The principal portion of such Realized Losses on the 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 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 the Senior Certificates (other than the Class A-P Certificates) and Subordinate Certificates, on a pro rata basis, as described below. 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 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; provided that, in determining the Certificate Principal Balance of the Accrual Certificates for the purpose of allocating any portion of a Realized Loss thereto, the Certificate Principal Balance of the Accrual Certificates shall be deemed to be equal to the lesser of (a) the original Certificate Principal Balance of such Certificate and (b) the Certificate Principal Balance of such Certificate prior to giving effect to distributions made on such Distribution Date. 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. 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 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 principal portion of Debt Service -40- 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) Section 4.09 Distributions on the Uncertificated Class A-V REMIC Regular Interests. (a) On each Distribution Date, the Trustee shall be deemed to distribute to itself, as the holder of the Uncertificated Class A-V REMIC Regular Interests, from REMIC II, Uncertificated Class A-V REMIC Accrued Interest on the Uncertificated Class A-V REMIC Regular Interests for such Distribution Date, plus any Uncertificated Class A-V REMIC Accrued Interest thereon remaining unpaid from any previous Distribution Date. (b) In determining from time to time the Uncertificated Class A-V REMIC Regular Interest Distribution Amounts, Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to Uncertificated Class A-V REMIC Regular Interests on a pro rata basis based on the Uncertificated Class A-V REMIC Accrued Interest for the related Distribution Date. (c) On each Distribution Date, the Trustee shall be deemed to distribute from the Trust Fund, in the priority set forth in Sections 4.02(a), to the Class A-V Certificates, the amounts distributable thereon from the Uncertificated Class A-V REMIC Regular Interest Distribution Amounts deemed to have been received by the Trustee from the Trust Fund under this Section 4.09. The amount deemed distributable hereunder with respect to the Class A-V Certificates shall equal 100% of the amounts payable with respect to the Uncertificated Class A-V REMIC Regular Interests. (d) Notwithstanding the deemed distributions on the Uncertificated Class A-V REMIC Regular Interests described in this Section 4.09, distributions of funds from the Certificate Account shall be made only in accordance with Section 4.02. Section 4.10 Reserve Fund. No later than the Closing Date, the Trustee will establish and maintain the Reserve Fund. On the Closing Date the Senior Underwriter shall deposit with the Trustee, and the Trustee shall deposit into the Reserve Fund, cash in an amount equal to the Reserve Fund Deposit. -41- The Master Servicer shall direct the Trustee in writing on each Distribution Date to withdraw amounts on deposit in the Reserve Fund for deposit into the Certificate Account, and to pay to the holders of any Insured Certificates pursuant to Section 4.02(a), the amount of Prepayment Interest Shortfalls otherwise allocable to any Insured Certificates pursuant to the definition of Accrued Certificate Interest (to the extent not offset by the Master Servicer pursuant to Section 3.16(e) of this Series Supplement), and to the extent of funds on deposit in the Reserve Fund (the amount of such withdrawal for any Distribution Date, the "Reserve Fund Withdrawal"). For federal income tax purposes, the Senior Underwriter shall be the owner of the Reserve Fund and shall report all items of income, deduction, gain or loss arising therefrom. Notwithstanding anything herein to the contrary, the Reserve Fund shall not be an asset of any REMIC. The Reserve Fund shall be invested in Permitted Investments at the direction of the Senior Underwriter. All income and gain realized from investment of funds deposited in the Reserve Fund shall be deposited in the Reserve Fund for the sole use and exclusive benefit of the Reserve Fund. The amount of any loss incurred in respect of any such investments shall be deposited in the Reserve Fund by the Senior Underwriter out of its own funds immediately as realized without any right of reimbursement. The balance, if any, remaining in the Reserve Fund on the Distribution Date on which the Certificate Principal Balance of the Insured Certificates is reduced to zero will be distributed by the Trustee to the Senior Underwriter. To the extent that the Reserve 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 Senior Underwriter, all within the meaning of Section 1.860G-2(h) of the Treasury Regulations. The Reserve Fund may not be owned by more than one Person and (3) for all federal tax purposes, any amounts transferred by any REMIC to the Reserve Fund will be treated as amounts distributed by any REMIC to the Senior Underwriter. Section 4.11 Rounding Account. No later than the Closing Date, the Trustee will establish and maintain with itself a segregated trust account that is an Eligible Account, which shall be titled "Rounding Account, Bank One, National Association, as trustee for the registered holders of Residential Funding Mortgage Securities I, Inc., Mortgage Pass-Through Certificates, Series 2001-S14, Class A-3". On the Closing Date, the Senior Underwriter shall deposit with the Trustee, and the Trustee shall deposit into the Rounding Account, cash in an amount equal to $999.99. The Trustee on each Distribution Date shall, based upon information provided by the Master Servicer for the related Distribution Date, withdraw funds from the Rounding Account to pay to the holders of the Insured Certificates pursuant to Section 4.02(i) the Rounding Amount. In addition, the Trustee on each Distribution Date shall, based upon information provided by the Master Servicer for the related Distribution Date, withdraw funds from the Certificate Account to repay to the Rounding Account the Rounding Amount from the prior Distribution Date as contemplated in Section 4.02(i). Section 4.12 Principal Distributions on the Insured Certificates. Distributions in reduction of the Certificate Principal Balance of the Insured Certificates will be made in integral multiples of $1,000 at the request of the appropriate representatives of Deceased Holders of such Insured Certificates and at the request of Living Owners of such Insured Certificates -42- or by mandatory distributions by Random Lot, pursuant to clauses (a) and (d) below, or on a pro rata basis pursuant to clause (e) below. (a) On each Distribution Date on which distributions in reduction of the Certificate Principal Balance of the Insured Certificates are made, such distributions will be made in the following priority among the holders of the Insured Certificates: (i) any request by the personal representatives of a Deceased Holder or by a surviving tenant by the entirety, by a surviving joint tenant or by a surviving tenant in common, but not exceeding an aggregate amount of $100,000 per request; and (ii) any request by a Living Owner, but not exceeding an aggregate amount of $10,000 per request. Thereafter, distributions will be made, with respect to the Insured Certificates, as provided in clauses (i) and (ii) above up to a second $100,000 and $10,000, respectively. This sequence of priorities will be repeated for each request for principal distributions made by the Certificate Owners of the Insured Certificates until all such requests have been honored. Requests for distributions in reduction of the Certificate Principal Balance of the Insured Certificates presented on behalf of Deceased Holders in accordance with the provisions of clause (i) above will be accepted in order of their receipt by the Depository. Requests for distributions in reduction of the Certificate Principal Balance of the Insured Certificates presented in accordance with the provisions of clause (ii) above will be accepted in the order of their receipt by the Depository after all requests presented in accordance with clause (i) have been honored. All requests for distributions in reduction of the Certificate Principal Balance of the Insured Certificates will be accepted in accordance with the provisions set forth in Section 4.12(c). All requests for distributions in reduction of the Certificate Principal Balance of the Insured Certificates with respect to any Distribution Date must be received by the Depository and on the Depository's "participant terminal system" and received by the Trustee no later than the close of business on the related Record Date. Requests for distributions that are on the Depository's participant terminal system and received by the Trustee after the related Record Date and requests, in either case, for distributions not accepted with respect to any Distribution Date, will be treated as requests for distributions in reduction of the Certificate Principal Balance of Insured Certificates on the next succeeding Distribution Date, and each succeeding Distribution Date thereafter, until such request is accepted or is withdrawn as provided in Section 4.12(c). Such requests as are not so withdrawn shall retain their order of priority without the need for any further action on the part of the appropriate Certificate Owner of the related Insured Certificate, all in accordance with the procedures of the Depository and the Trustee. Upon the transfer of the beneficial ownership of any Insured Certificate, any distribution request previously submitted with respect to such Certificate will be deemed to have been withdrawn only upon the receipt by the Trustee on or before the Record Date for such Distribution Date of notification of such withdrawal in the manner set forth in Section 4.12(c) on the Depository's participant terminal system. Distributions in reduction of the Certificate Principal Balance of the Insured Certificates will be applied in an amount equal to the Senior Principal Distribution Amount allocable to such Class -43- pursuant to Section 4.02(b), plus any amounts available for distribution from the Rounding Account established as provided in Section 4.11, provided that the aggregate distribution in reduction of the Certificate Principal Balance of the Insured Certificates on any Distribution Date shall be made in an integral multiple of $1,000. To the extent that the portion of the Senior Principal Distribution Amount allocable to distributions in reduction of the Certificate Principal Balance of the Insured Certificates on any Distribution Date exceeds the aggregate Certificate Principal Balance of the Insured Certificates with respect to which distribution requests, as set forth above, have been received (plus any amounts required to be distributed pursuant to the Rounding Account), distributions in reduction of the Certificate Principal Balance of the of Insured Certificates will be made by mandatory distribution pursuant to Section 4.12(d). (b) An Insured Certificate shall be deemed to be held by a Deceased Holder for purposes of this Section 4.12 if the death of the Certificate Owner thereof is deemed to have occurred. Insured Certificates beneficially owned by tenants by the entirety, joint tenants or tenants in common will be considered to be beneficially owned by a single owner. The death of a tenant by the entirety, joint tenant or tenant in common will be deemed to be the death of the Certificate Owner, and the Insured Certificates so beneficially owned will be eligible for priority with respect to distributions in reduction of the Certificate Principal Balance thereof, subject to the limitations stated above. Insured Certificates beneficially owned by a trust will be considered to be beneficially owned by each beneficiary of the trust to the extent of such beneficiary's beneficial interest therein, but in no event will a trust's beneficiaries collectively be deemed to be Certificate Owners of a number of Individual Insured Certificates of which such trust is the owner. The death of a beneficiary of a trust will be deemed to be the death of a Certificate Owner of the Insured Certificates, as applicable, owned by the trust to the extent of such beneficiary's beneficial interest in such trust. The death of an individual who was a tenant by the entirety, joint tenant or tenant in common in a tenancy which is the beneficiary of a trust will be deemed to be the death of the beneficiary of such trust. The death of a person who, during his or her lifetime, was entitled to substantially all of the beneficial ownership interests in Individual Insured Certificates will be deemed to be the death of the Certificate Owner of the Insured Certificates regardless of the registration of ownership, if such beneficial interest can be established to the satisfaction of the Depository Participant. Such beneficial interest will be deemed to exist in typical cases of street name or nominee ownership, ownership by a trustee, ownership under the Uniform Gifts to Minors Act and community property or other joint ownership arrangements between a husband and wife. Certificate beneficial interests shall include the power to sell, transfer or otherwise dispose of an Insured Certificate and the right to receive the proceeds therefrom, as well as interest and distributions in reduction of the Certificate Principal Balance of the Insured Certificates, as applicable, payable with respect thereto. The Trustee shall not be under any duty to determine independently the occurrence of the death of any deceased Certificate Owner. The Trustee may rely entirely upon documentation delivered to it pursuant to Section 4.12(c) in establishing the eligibility of any Certificate Owner to receive the priority accorded Deceased Holders in Section 4.12(a). (c) Requests for distributions in reduction of the Certificate Principal Balance of Insured Certificates must be made by delivering a written request therefor to the Depository Participant or Indirect Depository Participant that maintains the account evidencing such Certificate Owner's -44- interest in Insured Certificates. In the case of a request on behalf of a Deceased Holder, appropriate evidence of death and any tax waivers are required to be forwarded to the Depository Participant under separate cover. The Depository Participant shall forward a certification, satisfactory to the Trustee, certifying the death of the Deceased Holder and the receipt of the appropriate death and tax waivers. The Depository Participant should in turn make the request of the Depository (or, in the case of an Indirect Depository Participant, such Indirect Depository Participant must notify the related Depository Participant of such request, which Depository Participant should make the request of the Depository) on the Depository's participant terminal system. The Depository may establish such procedures as it deems fair and equitable to establish the order of receipt of requests for such distributions received by it on the same day. None of the Company, the Master Servicer or the Trustee shall be liable for any delay in delivery of requests for distributions or withdrawals of such requests by the Depository, a Depository Participant or any Indirect Depository Participant. The Depository shall maintain a list of those Depository Participants representing the appropriate Certificate Owners of Insured Certificates that have submitted requests for distributions in reduction of the Certificate Principal Balance of Insured Certificates, together with the order of receipt and the amounts of such requests on the Depository's participant terminal system. The Depository will honor requests for distributions in the order of their receipt (subject to the priorities described in Section 4.12(a) above). The Trustee shall notify the Depository as to which requests should be honored on each Distribution Date at least two Business Days prior to such Distribution Date based on the report received by the Trustee pursuant to Section 4.04 and shall notify the Depository as to the amount of the Senior Principal Distribution amount to be distributed to the Insured Certificates by Random Lot pursuant to Section 4.12(d). Requests shall be honored by the Depository in accordance with the procedures, and subject to the priorities and limitations, described in this Section 4.12. The exact procedures to be followed by the Trustee and the Depository for purposes of determining such priorities and limitations will be those established from time to time by the Trustee or the Depository, as the case may be. The decisions of the Trustee and the Depository concerning such matters will be final and binding on all affected persons. Individual Insured Certificates that have been accepted for a distribution shall be due and payable on the applicable Distribution Date. Such Certificates shall cease to bear interest after the last day of the month preceding the month in which such Distribution Date occurs. Any Certificate Owner of an Insured Certificate that has requested a distribution may withdraw its request by so notifying in writing the Depository Participant or Indirect Depository Participant that maintains such Certificate Owner's account. In the event that such account is maintained by an Indirect Depository Participant, such Indirect Depository Participant must notify the related Depository Participant which in turn must forward the withdrawal of such request on the Depository's participant terminal system. If such withdrawal of a request for distribution has not been received on the Depository's participant terminal system on or before the Record Date for the next Distribution Date, the previously made request for distribution will be irrevocable with respect to the making of distributions in reduction of the Certificate Principal Balance of the Insured Certificates on such Distribution Date. In the event any requests for distributions in reduction of the Certificate Principal Balance of the Insured Certificates are rejected by the Trustee for failure to comply with the requirements of -45- this Section 4.12, the Trustee shall return such request to the appropriate Depository Participant with a copy to the Depository with an explanation as to the reason for such rejection. (d) To the extent, if any, that distributions in reduction of the Certificate Principal Balance of the Insured Certificates on a Distribution Date exceed the outstanding Certificate Principal Balance of the Insured Certificates with respect to which distribution requests have been received by the related Record Date, as provided in Section 4.12(a) above, the additional distributions in reduction of the Certificate Principal Balance of the Insured Certificates will be made by mandatory distributions in reduction thereof. Such mandatory distributions on Individual Insured Certificates will be made by Random Lot in accordance with the then-applicable Random Lot procedures of the Depository, the Depository Participants and the Indirect Depository Participants representing the Certificate Owners. The Trustee shall notify the Depository of the aggregate amount of the mandatory distribution in reduction of the Certificate Principal Balance of the Insured Certificates to be made on any such Distribution Date. The Depository shall then allocate such aggregate amount among its Depository Participants on a Random Lot basis. Each Depository Participant and, in turn, each Indirect Depository Participant will then select, in accordance with its own procedures, Individual Insured Certificates from among those held in its accounts to receive mandatory distributions in reduction of the Certificate Principal Balance of the Insured Certificates, such that the total amount so selected is equal to the aggregate amount of such mandatory distributions allocated to such Depository Participant by the Depository and to such Indirect Depository Participant by its related Depository Participant, as the case may be. Depository Participants and Indirect Depository Participants that hold Insured Certificates selected for mandatory distributions in reduction of the Certificate Principal Balance thereof are required to provide notice of such mandatory distributions to the affected Certificate Owners. The Master Servicer agrees to notify the Trustee of the amount of distributions in reduction of the Certificate Principal Balance of the Insured Certificates to be made on each Distribution Date in a timely manner such that the Trustee may fulfill its obligations pursuant to the letter of representations dated the Closing Date among the Company, the Trustee and the Depository. (e) Notwithstanding any provisions herein to the contrary, on any Distribution Date on which (i) any Realized Losses are allocated to the Insured Certificates and (ii) a Certificate Insurer Default has occurred and/or is continuing, distributions in reduction of the Certificate Principal Balance of the Insured Certificates will be made pro rata on the basis of their respective Percentage Interests with the respect to the Insured Certificates among the Certificate Owners of the Insured Certificates and will not be made in integral multiples of $1,000 nor pursuant to requests for distribution as permitted by this Section 4.12 or mandatory distributions by Random Lot. (f) In the event that Definitive Certificates representing the Insured Certificates are issued pursuant to Section 5.01 of the Standard Terms, an amendment to this Agreement, which may be approved without the consent of any Certificateholders, shall establish procedures relating to the manner in which distributions in reduction of the Certificate Principal Balance of such Insured Certificates are to be made; provided that such procedures shall be consistent, to the extent practicable and customary for certificates similar to the Insured Certificates, with the provisions of this Section 4.12. -46- ARTICLE V THE CERTIFICATES (SEE ARTICLE V OF THE STANDARD TERMS) -47- ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) -48- ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) -49- ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) -50- ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) -51- 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 REMIC(s). The REMIC Administrator will make elections to treat each of REMIC I and REMIC II, and subject to this Agreement (including the Mortgage Loans but excluding the Initial Monthly Payment Fund and the Reserve Fund) as a REMIC for federal income tax purposes. The Uncertificated REMIC I Regular Interests shall be designated as the "regular interests" and the Class R-I Certificates shall be designated as the sole class of "residual interest" in the REMIC I. 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-8A, 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 rights in and to which will be represented by the Class A-V Certificates, will be "regular interests" in the 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 in the Standard Terms) 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) of the Standard Terms, 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 said Section. Section 10.04 Distributions on the Uncertificated REMIC I 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, from REMIC I, the following 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 REMIC I Accrued Interest on the Uncertificated REMIC I Regular Interests for such Distribution Date, plus any Uncertificated REMIC I 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 the Class A-1 Certificates, Class A-2 Certificates, Class A-3 Certificates, Class A-4 Certificates, Class A-5 Certificates, Class A-6 Certificates, Class A-7 Certificates, Class A-8 Certificates, Class A-8A Certificates, Class A-9 Certificates, Class A-10 Certificates, Class A-11 Certificates, Class A-12 Certificates, Class A-P Certificates, Class M-1 Certificates, Class M-2 Certificates, Class M-3 Certificates, Class B-1 Certificates, Class B-2 Certificates, Class B-3 Certificates and Class R-II Certificates under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). -52- (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 and (v) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to the (i) Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-6, Class A-7, Class A-9, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates, (ii) Class A-8 Certificates and (iii) Class A-10 Certificates, (iv) Class A-11 Certificates and (v) Class A-P 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, Realized Losses allocated to the Certificates shall be allocated to Uncertificated REMIC I Regular Interests in the same amounts and priorities as allocated to the Corresponding Certificated Interests. (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 REMIC II 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 amount deemed distributable hereunder with respect to the Class A-V Certificates shall equal 100% of the amounts payable with respect to the Uncertificated Class A-V REMIC Regular Interests. (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 interest 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. -53- 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 Laws. (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 8400 Normandale Lake Boulevard Suite 250, Minneapolis, Minnesota 55437, Company Attention: President 2255 N. Ontario Street, Suite 400 Burbank, California 91504-2130, Master Servicer Attention: Managing Director/Master Servicing Trustee Corporate Trust Office The Trustee designates its offices located at 14 Wall Street, 8th Floor New York, New York 10005, for the purposes of Section 8.12 of the Standard Terms 55 Water Street, 41st Floor Standard & Poor's New York, New York 10041 One State Street Plaza Fitch New York, New York 10004 Certificate Insurer 113 King Street Armonk, New York 10504 Attention: Insured Portfolio Management -- Structured Finance (RFMSI 2001-S14) 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 -54- 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. The Company, the Master Servicer or the Trustee, as applicable, shall notify each Rating Agency and 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), (d), (g), (h), (i) or (j) below or 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) the termination or appointment of a successor Master Servicer or 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) a change in the location of the Custodial Account or 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, (j) the repurchase of or substitution for any Mortgage Loan, and (k) any Certificate Insurer Default that has not been cured, 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 of any such event known to the Master Servicer. Section 11.07 Severability of Provisions. (See Section 11.07 of the Standard Terms) -55- 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 Voting Rights shall be allocated among Holders of Certificates, other than the Class A-8A Certificates, Class A-12 Certificates, Class A-V Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates, except that the Certificate Insurer shall be assigned the Voting Rights of the Insured Certificateholders in the absence of any continuing Certificate Insurer Default, 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-8A Certificates, 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-12 Certificates, 1.0% of all Voting Rights shall be allocated among the Holders of the Class A-V Certificates in accordance with their respective Percentage Interests; and 0.5% and 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-I Certificates and Class R-II Certificates, respectively, in accordance with their respective Percentage Interests. -56- ARTICLE XII CERTAIN MATTERS REGARDING THE CERTIFICATE INSURER Section 12.01 Rights of the Certificate Insurer To Exercise Rights of Insured Certificateholders. By accepting its Certificate, each Insured Certificateholder agrees that unless a Certificate Insurer Default exists, the Certificate Insurer shall have the right to exercise all consent, voting, direction and other control rights of the Insured Certificateholders under this Agreement without any further consent of the Insured Certificateholders. Section 12.02 Claims Upon the Certificate Policy; Certificate Insurance Account. (a) If, on any Determination Date, the Master Servicer determines that (i) the funds that will be on deposit in the Certificate Account on the related Certificate Account Deposit Date, to the extent distributable to any Insured Certificateholders pursuant to Section 4.02(a)(i), together with any Reserve Fund Withdrawal for the related Distribution Date, are insufficient to pay the full amount of interest for the related Interest Accrual Period on the Certificate Principal Balance of the Insured Certificates at the related Pass-Through Rate (net of any Prepayment Interest Shortfalls allocated to the Insured Certificates but only to the extent covered by the Master Servicer) on such Distribution Date, (ii) the principal portion of any Realized Loss is allocated to the Insured Certificates on such Distribution Date or (iii) the funds that will be on deposit in the Certificate Account, to the extent distributable to the Insured Certificateholders with respect to principal on the Final Distribution Date will be insufficient to reduce the Certificate Principal Balance of the Insured Certificates to zero, the Master Servicer shall deliver to the Trustee not later than 1:00 p.m. New York City time on the Determination Date a certificate signed by a Servicing Officer directing the Trustee to draw on the Certificate Policy and stating the amount to be drawn and stating the Insured Payment for each Insured Certificate, and the Trustee shall give notice by telephone or telecopy of the aggregate amount of such deficiency, confirmed in writing in the form set forth as Exhibit A to the Certificate Policy, to the Certificate Insurer and the Fiscal Agent (as defined in the Certificate Policy), if any, at or before 12:00 noon, New York City time, on the Business Day prior to such Distribution Date. If, subsequent to such notice, and prior to payment by the Certificate Insurer pursuant to such notice, additional amounts are deposited in the Certificate Account, the Trustee shall reasonably promptly notify the Certificate Insurer and withdraw the notice or reduce the amount claimed, as appropriate. (b) The Trustee shall establish a separate special purpose trust account for the benefit of Holders of any Insured Certificates and the Certificate Insurer referred to herein as the "Certificate Insurance Account" over which the Trustee shall have exclusive control and sole right of withdrawal. The Trustee shall deposit any amount paid under the Certificate Policy in the Certificate Insurance Account and distribute such amount only for purposes of payment to Holders of Insured Certificates of the Insured Payment for which a claim was made. Such amount may not be applied to satisfy any costs, expenses or liabilities of the Master Servicer, the Trustee or the Trust Fund. Amounts paid under the Certificate Policy -57- shall be transferred to the Certificate Account in accordance with the next succeeding paragraph and disbursed by the Trustee to Holders of Insured Certificates in accordance with Section 4.02, Section 5.06(c) or Section 9.01(c), as applicable. It shall not be necessary for such payments to be made by checks or wire transfers separate from the checks or wire transfers used to pay the Insured Payment with other funds available to make such payment. However, the amount of any payment of principal of or interest on the Insured Certificates to be paid from funds transferred from the Certificate Insurance Account shall be noted as provided in paragraph (c) below and in the statement to be furnished to Holders of the Certificates pursuant to Section 4.03. Funds held in the Certificate Insurance Account shall not be invested by the Master Servicer, the Company or the Trustee. On any Distribution Date with respect to which a claim has been made under the Certificate Policy, the amount of any funds received by the Trustee as a result of any claim under the Certificate Policy, to the extent required to make the Insured Payment on such Distribution Date shall be withdrawn from the Certificate Insurance Account and deposited in the Certificate Account and applied by the Master Servicer on behalf of the Trustee, together with the other funds to be distributed to the Insured Certificateholders pursuant to Section 4.02, directly to the payment in full of the Insured Payment due on the Insured Certificates. Any funds remaining in the Certificate Insurance Account on the first Business Day following a Distribution Date shall be remitted to the Certificate Insurer, pursuant to the instructions of the Certificate Insurer, by the end of such Business Day. (c) The Trustee shall keep a complete and accurate record of the amount of interest and principal paid into the Certificate Insurance Account in respect of any Insured Certificate from moneys received under the Certificate Policy. The Certificate Insurer shall have the right to inspect such records at reasonable times during normal business hours upon two Business Day's prior notice to the Trustee. (d) In accordance with the terms of the Certificate Policy, any claim on the Certificate Policy in respect of a Preference Amount (as defined in the Certificate Policy), shall require the Trustee to obtain a certified copy of the order requiring the return of a preference payment, an opinion of counsel satisfactory to the Certificate Insurer that the order is final and not subject to appeal, and other documentation as required by the Certificate Policy. Any such opinion of counsel shall be provided at the sole expense of the Senior Underwriter, in accordance with the terms of the Commitment Letter. Section 12.03 Effect of Payments by the Certificate Insurer; Subrogation. Anything herein to the contrary notwithstanding, for purposes of this Section 12.03, any payment with respect to principal of or interest on any Insured Certificates which is made with monies received pursuant to the terms of the Certificate Policy shall not be considered payment of any Insured Certificates from the Trust Fund. The Master Servicer, the Company and the Trustee acknowledge, and each Holder by its acceptance of an Insured Certificate agrees, that without the need for any further action on the part of the Certificate Insurer, the Master Servicer, the Company, the Trustee or the Certificate Registrar, to the extent the Certificate Insurer makes payments, directly or indirectly, on account of principal of or interest on any Insured Certificates to the Holders of such -58- Certificates, the Certificate Insurer will be fully subrogated to, and each Insured Certificateholder, the Master Servicer, the Company and the Trustee hereby delegate and assign to the Certificate Insurer, to the fullest extent permitted by law, the rights of such Holders to receive such principal and interest from the Trust Fund; provided that the Certificate Insurer shall be paid such amounts only from the sources and in the manner explicitly provided for herein. The Trustee and the Master Servicer shall cooperate in all respects with any reasonable request by the Certificate Insurer for action to preserve or enforce the Certificate Insurer's rights or interests under this Agreement without limiting the rights or affecting the interests of the Holders as otherwise set forth herein. Section 12.04 Notices and Information to the Certificate Insurer. (a) All notices, statements, reports, certificates or opinions required by this Agreement to be sent to any other party hereto, to the Rating Agencies or to the Certificateholders shall also be sent to the Certificate Insurer. (b) The Master Servicer shall designate a Person who shall be available to the Certificate Insurer to provide reasonable access to information regarding the Mortgage Loans. Section 12.05 Trustee to Hold Certificate Policy. The Trustee will hold the Certificate Policy in trust as agent for the Insured Certificateholders for the purpose of making claims thereof and distributing the proceeds thereof. Each Insured Certificateholder, by accepting its Certificate, appoints the Trustee as attorney-in-fact for the purpose of making claims on the Certificate Policy. The Trustee shall surrender the Certificate Policy to the Certificate Insurer for cancellation upon the expiration of the term of the Certificate Policy as provided in the Certificate Policy following the retirement of any Insured Certificates. Section 12.06 Ratings. The parties hereto agree that references in this Agreement or in the Standard Terms to ratings on the Certificates or interests of the Certificateholders shall be determined without regard to the Certificate Policy. Section 12.07 Third Party Beneficiary. The Certificate Insurer shall be an express third-party beneficiary of this Agreement to the extent of its express subrogation rights and its express rights set forth in Article XII of this Agreement and shall have the right to enforce the related provisions of this Agreement as if it were a party hereto. -59- 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. [Seal] RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. Attest: By: --------------------------------------- Name: Julie Steinhagen Name: Randy Van Zee Title: Vice President Title: Vice President [Seal] RESIDENTIAL FUNDING CORPORATION Attest: By: --------------------------------------- Name: Randy Van Zee Name: Julie Steinhagen Title: Director Title: Director BANK ONE, NATIONAL ASSOCIATION [Seal] as Trustee Attest: By: --------------------------------------- Name: Name: Keith R. Richardson Title: Title: Vice President -60- STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 28th day of June 2001 before me, a notary public in and for said State, personally appeared Randy Van Zee, known to me to be a Vice President of Residential Funding Mortgage Securities I, 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. Notary Public ----------------- [Notarial Seal] -61- STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 28th day of June 2001 before me, a notary public in and for said State, personally appeared Julie Steinhagen, known to me to be a Director 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. Notary Public ------------------ [Notarial Seal] -62- STATE OF ) ) ss.: COUNTY OF ) On the 28th day of June 2001 before me, a notary public in and for said State, personally appeared Keith R. Richardson, known to me to be a Vice President of Bank One, National Association, a national banking association 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. Notary Public ------------------- [Notarial Seal] -63- EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 06/25/01 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 11.55.42 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RFMSI 2001-S14 CUTOFF : 06/01/01 POOL : 0004512 : : POOL STATUS: F RFC LOAN NUMBER SUB SERV FEE PRINCIPAL BALANCE MSTR SERV FEE CURR NOTE RATE ALL EXP RFC NET RATE MISC EXP NET MTG RATE(INVSTR RATE) SPREAD POST STRIP RATE STRIP --------------------------------------------------------------------------- 1997061 .2500 248,626.24 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.7500 .9200 3793914 .2500 477,362.52 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.7500 .9200 3958239 .2500 278,937.36 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.7500 1.2950 3992233 .2500 134,362.50 .0800 8.7500 .0000 8.5000 .0000 8.4200 .0000 6.7500 1.6700 4184509 .2500 474,041.47 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.7500 .7950 4259089 .2500 120,389.92 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.7500 1.2950 1 4261070 .2500 349,740.25 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4288891 .2500 399,500.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4334928 .2500 333,239.84 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4336358 .2500 570,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4346437 .2500 91,813.58 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.7500 .9200 4355757 .2500 159,839.67 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4361115 .2500 369,516.82 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4361930 .2500 298,980.05 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.7500 .9200 1 4366453 .2500 448,966.42 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4368494 .2500 483,742.80 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4369804 .2500 399,147.56 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4372726 .2500 372,716.18 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4372731 .2500 468,750.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4372794 .2500 538,460.65 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4385450 .2500 996,526.92 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 4398329 .2500 369,406.48 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 1 4399151 .2500 377,422.98 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4399530 .2500 334,229.21 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4411723 .2500 374,907.30 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4416660 .2500 399,403.41 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4423591 .2500 315,573.51 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4429881 .2500 419,672.36 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4431813 .2500 330,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4440503 .2500 398,449.02 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.7500 .7950 1 4440958 .2500 291,137.13 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4444303 .2500 334,475.74 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4445698 .2500 350,193.82 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4451638 .2500 316,528.01 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4453725 .2500 336,098.82 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4453905 .2500 369,435.19 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4458493 .2500 288,790.83 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4459627 .2500 297,267.92 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 1 4460657 .2500 315,765.48 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4466959 .2500 294,769.87 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4471156 .2500 499,252.51 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4485104 .2500 314,783.22 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.7500 .7950 4485353 .2500 510,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4485856 .2500 357,234.69 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4485980 .2500 311,306.96 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4491640 .2500 330,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 1 4493016 .2500 349,740.25 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4496724 .2500 438,882.12 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4505913 .2500 516,230.22 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4513185 .2500 339,480.97 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4513382 .2500 308,416.60 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4516311 .2500 598,661.68 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4520461 .2500 334,751.38 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4520695 .2500 318,263.42 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 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6.7500 .5450 1 4801114 .2500 400,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4801485 .2500 542,244.32 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4801848 .2500 352,500.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4801931 .2500 627,041.33 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4802008 .2500 419,724.13 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4802619 .2500 326,500.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.7500 .7950 4802958 .2500 992,440.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4803261 .2500 599,565.74 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 1 4803403 .2500 353,723.85 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4803608 .2500 291,000.00 .0300 6.8750 .0000 6.6250 .0000 6.5950 .0000 6.5950 .0000 4803751 .2500 440,664.43 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4803883 .7500 363,471.42 .0800 7.6250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4803884 .5000 495,613.07 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803885 .5000 471,631.80 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803886 .5000 590,538.97 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803888 .6250 828,369.20 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4803889 .5000 394,691.86 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803890 .7500 350,239.50 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803892 .7500 383,115.46 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803893 .6250 506,614.21 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803894 .6250 934,288.53 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803895 .7500 799,406.28 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803897 .3750 430,055.81 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803898 .5000 499,609.95 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4803900 .5000 524,590.45 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803902 .6250 419,680.41 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803905 .3750 648,481.00 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803906 .7500 339,747.67 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803907 .3750 335,731.30 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803908 .6250 354,729.87 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803909 .3750 599,520.18 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803910 .7500 381,716.50 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4803911 .6250 340,614.65 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803912 .6250 388,704.00 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803913 .6250 378,012.14 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803915 .6250 326,751.18 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803916 .3750 541,865.76 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803917 .6250 499,619.54 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803918 .5000 408,181.33 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803921 .5000 297,467.76 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4803922 .5000 344,730.87 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803923 .7500 332,752.86 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803924 .7500 339,747.67 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803925 .5000 319,750.36 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803929 .5000 499,609.95 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803930 .7500 711,471.59 .0300 7.5000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803931 .6250 343,100.00 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803934 .5000 315,753.49 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4803935 .6250 300,770.96 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803936 .6250 294,775.52 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803938 .6250 297,773.24 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4803939 .6250 389,303.55 .0300 7.3750 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4804054 .2500 377,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4804164 .2500 547,050.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4804916 .2500 399,200.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4804958 .2500 310,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 1 4805319 .2500 857,500.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4805322 .2500 350,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4805332 .2500 227,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4805341 .2500 369,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4805369 .2500 304,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4805383 .2500 388,500.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4805416 .2500 334,400.00 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.7500 1.1700 4805670 .2500 479,320.25 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 1 4805823 .2500 340,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4805852 .2500 299,771.72 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4805942 .2500 371,709.80 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4806067 .2500 354,416.35 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4806159 .2500 419,680.41 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4806471 .2500 377,026.92 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4806747 .2500 367,733.65 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4807650 .2500 305,761.29 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 1 4807651 .2500 499,609.95 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807653 .2500 299,765.97 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807654 .2500 274,813.13 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.7500 .9200 4807655 .2500 347,735.20 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807656 .2500 635,516.06 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807657 .2500 353,923.69 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807658 .2500 353,709.82 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4807659 .2500 306,978.92 .0300 6.6250 .0000 6.3750 .0000 6.3450 .0000 6.3450 .0000 1 4807660 .2500 283,182.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4807661 .2500 471,470.80 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807662 .2500 423,369.47 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807663 .2500 383,700.44 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807664 .2500 413,242.45 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807665 .2500 383,715.01 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4807666 .2500 499,338.69 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4807667 .2500 298,835.70 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 1 4807668 .2500 329,742.56 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807669 .2500 434,669.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807670 .2500 649,505.40 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807671 .2500 291,772.21 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807672 .2500 419,672.35 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807673 .2500 359,719.17 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807674 .2500 449,657.58 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807675 .2500 381,309.63 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 1 4807676 .2500 303,749.25 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807678 .2500 274,785.47 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807679 .2500 341,240.14 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807680 .2500 340,477.50 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807681 .2500 446,659.87 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807682 .2500 349,346.97 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4807683 .2500 343,063.74 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.7500 .7950 4807684 .2500 363,723.02 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 1 4807685 .2500 369,738.85 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4807686 .2500 323,647.33 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807687 .2500 359,704.91 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4807688 .2500 401,581.83 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807689 .2500 423,677.36 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807690 .2500 297,505.93 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4807693 .2500 338,941.90 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807694 .2500 637,839.51 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 1 4807695 .2500 359,726.06 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807696 .2500 304,285.08 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4807697 .2500 304,861.99 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807698 .2500 379,680.75 .0300 6.8750 .0000 6.6250 .0000 6.5950 .0000 6.5950 .0000 4807699 .2500 379,688.52 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4807700 .2500 348,514.09 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4807701 .2500 311,774.18 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4807702 .2500 287,786.26 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 1 4807703 .2500 601,541.92 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807705 .2500 316,552.86 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807706 .2500 604,291.89 .0300 6.8750 .0000 6.6250 .0000 6.5950 .0000 6.5950 .0000 4807707 .2500 312,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807708 .2500 464,628.14 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807709 .2500 322,633.71 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807710 .2500 511,600.58 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807711 .2500 499,609.94 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 1 4807712 .2500 1,099,120.34 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807713 .2500 458,641.94 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807715 .2500 370,789.36 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807716 .2500 292,771.43 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807717 .2500 349,733.68 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807718 .2500 487,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807719 .2500 374,700.11 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807720 .2500 454,126.22 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4807721 .2500 494,463.97 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807722 .2500 324,540.26 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807723 .2500 424,676.61 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807725 .2500 384,707.05 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807726 .2500 385,706.28 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807727 .2500 639,500.74 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807728 .2500 164,819.86 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4807729 .2500 419,680.41 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 1 4807730 .2500 371,737.44 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4807731 .2500 637,200.90 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 4807732 .2500 289,305.75 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.7500 .9200 4807733 .2500 561,450.65 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807734 .2500 323,753.46 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807736 .2500 319,744.10 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807737 .2500 999,239.07 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4807738 .2500 335,710.71 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 1 4807739 .2500 318,069.60 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4807740 .2500 454,835.98 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4807741 .2500 447,650.52 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4807742 .2500 317,732.07 .0800 7.5000 .0000 7.2500 .0000 7.1700 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.0000 6.9200 .0000 6.7500 .1700 1 4895150 .2500 488,500.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4897084 .2500 352,600.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4897160 .2500 376,659.62 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4897335 .2500 398,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4897535 .2500 339,800.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4897616 .2500 331,550.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4897632 .2500 469,624.15 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4899348 .2500 399,950.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 1 4900059 .2500 328,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4902116 .2500 347,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4902155 .2500 312,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4902235 .2500 358,400.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4902473 .2500 650,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4902612 .2500 650,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4902613 .2500 919,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4902614 .2500 323,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 1 4904552 .5000 516,606.61 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904553 .2500 561,927.98 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 4904559 .5000 314,754.27 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904561 .5000 369,332.49 .0800 7.6250 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4904562 .3750 521,932.28 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904564 .5000 334,738.67 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904565 .5000 315,900.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904567 .5000 342,339.31 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 1 4904574 .5000 896,500.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904577 .5000 615,900.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904579 .3750 355,000.00 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904580 .5000 400,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904583 .5000 375,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904586 .5000 356,100.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904587 .5000 350,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904588 .3750 432,000.00 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4904589 .5000 359,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904591 .5000 367,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904592 .2500 360,000.00 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904594 .5000 393,000.00 .0800 7.6250 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4904595 .5000 612,000.00 .0800 7.7500 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4904596 .5000 326,300.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904598 .5000 380,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904602 .5000 452,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4904603 .5000 485,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904604 .3750 335,920.00 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904607 .5000 464,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904609 .5000 602,550.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904611 .5000 562,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904613 .5000 375,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904615 .5000 332,300.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904616 .5000 316,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 1 4904617 .5000 347,200.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904619 .5000 650,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904620 .5000 580,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904621 .5000 332,500.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904622 .5000 414,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904625 .5000 324,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904627 .3750 308,750.00 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904628 .5000 450,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 1 4904630 .5000 293,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904631 .5000 555,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904634 .5000 395,200.00 .0800 7.6250 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4904636 .5000 420,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904637 .5000 397,600.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904638 .5000 332,000.00 .0800 7.6250 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4904639 .5000 304,625.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904640 .2500 347,900.00 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 1 4904641 .5000 425,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904644 .5000 450,000.00 .0800 7.5000 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4904645 .3750 371,000.00 .0300 7.1250 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904646 .5000 300,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4904647 .5000 405,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904648 .2500 469,950.00 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904651 .5000 285,000.00 .0300 7.2500 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4904653 .5000 333,000.00 .0800 7.3750 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 1 4906050 .2500 339,760.02 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4906259 .2500 589,043.95 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4906553 .2500 318,992.41 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4906670 .2500 289,046.85 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4906832 .2500 338,928.75 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4906916 .2500 385,720.63 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4907114 .2500 649,056.11 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4907153 .2500 319,200.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 1 4907154 .2500 341,350.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4907158 .2500 356,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4907165 .2500 367,950.00 .0300 6.8750 .0000 6.6250 .0000 6.5950 .0000 6.5950 .0000 4907168 .2500 650,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4907362 .2500 355,456.55 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4907367 .2500 339,480.97 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4908495 .2500 330,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4909742 .2500 399,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 1 4909809 .2500 120,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4909966 .2500 289,557.31 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4910409 .2500 353,600.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4910644 .2500 344,943.81 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4911644 .2500 759,721.47 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4911667 .2500 365,600.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4911668 .2500 394,400.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4911669 .2500 544,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 1 4914873 .2500 324,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4915285 .2500 308,191.75 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4916019 .2500 375,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4917358 .2500 395,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4917437 .2500 300,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4920548 .2500 320,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4922387 .2500 405,150.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4922835 .2500 446,400.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 1 4922961 .2500 465,000.00 .0800 7.2000 .0000 6.9500 .0000 6.8700 .0000 6.7500 .1200 4924674 .2500 350,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4924679 .2500 84,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4925208 .2500 431,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4925463 .2500 300,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4929675 .2500 370,000.00 .0300 7.0000 .0000 6.7500 .0000 6.7200 .0000 6.7200 .0000 4930201 .2500 379,920.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4930547 .2500 337,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 1 4931529 .2500 420,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4931727 .2500 360,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4932247 .2500 424,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4936117 .2500 362,250.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4938296 .2500 444,500.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4941481 .2500 322,400.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4944090 .2500 418,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4945744 .2500 375,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 1 4946107 .2500 397,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4946754 .2500 328,000.00 .0300 6.8750 .0000 6.6250 .0000 6.5950 .0000 6.5950 .0000 4948202 .2500 500,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4948203 .2500 639,200.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4948204 .2500 370,100.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4948205 .2500 345,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4949340 .2500 399,950.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4949963 .2500 490,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 1 4952488 .2500 469,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4953210 .2500 296,557.78 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4953770 .2500 432,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.7500 .6700 4954000 .2500 339,900.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4955029 .2500 366,400.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.7500 .0450 4957268 .2500 650,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.7500 .5450 4957622 .2500 337,500.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4958146 .2500 560,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 1 4958633 .2500 476,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4958636 .2500 390,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.7500 .2950 4958967 .2500 580,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4963864 .2500 456,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.7500 .1700 4964576 .2500 575,142.37 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.7500 .4200 4967654 .2500 308,000.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.7500 .7950 TOTAL NUMBER OF LOANS: 1708 TOTAL BALANCE........: 673,830,643.47 RUN ON : 06/25/01 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 11.55.42 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RFMSI 2001-S14 FIXED SUMMARY REPORT CUTOFF : 06/01/01 POOL : 0004512 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO --------------------------------------------------------------------------- CURR NOTE RATE 7.3716 6.2500 8.7500 RFC NET RATE 7.1050 6.0000 8.5000 NET MTG RATE(INVSTR RATE) 7.0317 5.9700 8.4200 POST STRIP RATE 6.7363 5.9700 6.7500 SUB SERV FEE .2666 .2500 .7500 MSTR SERV FEE .0733 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .2954 .0000 1.6700 TOTAL NUMBER OF LOANS: 1708 TOTAL BALANCE........: 673,830,643.47 *************************** * END OF REPORT * *************************** RUN ON : 06/25/01 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 11.55.42 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RFMSI 2001-S14 CUTOFF : 06/01/01 POOL : 0004512 : : POOL STATUS: F RFC LOAN # S/S CODE PMT TYPE ORIGINAL BAL LOAN FEATURE ORIG TERM PRINCIPAL BAL # OF UNITS ORIG RATE ORIGINAL P+I LTV CURR NET CURRENT P+I CITY STATE ZIP LOAN PURP NOTE DATE MI CO CODE SERVICER LOAN # PROP TYPE 1ST PMT DATE MI CVG SELLER LOAN # OCCP CODE MATURITY DATE INVESTOR LOAN # ______________________________________________________________________________ 1997061 447/G01 F 250,000.00 ZZ 360 248,626.24 1 8.000 1,834.42 52 7.750 1,834.42 SOLVANG CA 93463 1 09/05/00 00 0432619401 02 11/01/00 0 0019317643 O 10/01/30 0 3793914 K21/G01 F 480,000.00 ZZ 360 477,362.52 1 8.000 3,522.07 60 7.750 3,522.07 BEVERLY HILLS CA 90212 1 09/13/00 00 0432299014 05 11/01/00 0 0012798 O 10/01/30 0 3958239 637/G01 F 280,000.00 ZZ 360 278,937.36 1 8.375 2,128.21 66 8.125 2,128.21 SPARKS NV 89434 2 11/08/00 00 0432440493 05 01/01/01 0 0015452501 O 12/01/30 0 3992233 E22/G01 F 135,000.00 ZZ 360 134,362.50 1 8.750 1,062.05 90 8.500 1,062.05 PUEBLO WEST CO 81007 1 09/15/00 01 0412140022 05 11/01/00 25 1 0412140022 O 10/01/30 0 4184509 E84/G01 F 475,700.00 ZZ 360 474,041.47 1 7.875 3,449.16 80 7.625 3,449.16 FRANKLIN TN 37069 1 12/11/00 00 0432560563 03 02/01/01 0 80012173 O 01/01/31 0 4259089 E22/G01 F 121,500.00 ZZ 240 120,389.92 1 8.375 1,044.81 90 8.125 1,044.81 PEMBROKE PINES FL 33024 2 01/26/01 10 0412337032 05 03/01/01 25 0412337032 O 02/01/21 0 4261070 964/G01 F 350,000.00 ZZ 360 349,740.25 1 7.500 2,447.25 70 7.250 2,447.25 CAMPBELL CA 95008 2 03/30/01 00 0432786358 05 06/01/01 0 400104430 O 05/01/31 0 4288891 964/G01 F 399,500.00 ZZ 360 399,500.00 1 7.250 2,725.30 73 7.000 2,725.30 CASTRO VALLEY CA 94552 2 04/30/01 00 0432794865 03 07/01/01 0 105725 O 06/01/31 0 4334928 964/G01 F 333,500.00 ZZ 360 333,239.84 1 7.250 2,275.06 78 7.000 2,275.06 SAN FRANCISCO CA 94116 2 04/25/01 00 0432816411 05 06/01/01 0 400107349 O 05/01/31 0 1 4336358 964/G01 F 570,000.00 ZZ 360 570,000.00 1 7.250 3,888.41 80 7.000 3,888.41 BIG BEAR LAKE CA 92315 2 05/03/01 00 0432844959 05 07/01/01 0 108099 O 06/01/31 0 4346437 E22/G01 F 92,000.00 ZZ 360 91,813.58 1 8.000 675.06 90 7.750 675.06 LULING LA 70070 1 02/16/01 01 0412347833 05 04/01/01 25 0412347833 O 03/01/31 0 4355757 822/G01 F 380,000.00 ZZ 360 159,839.67 1 7.750 2,722.37 80 7.500 2,722.37 PROVIDENCE RI 02906 1 12/22/00 00 0432640266 05 02/01/01 0 3806010072 O 01/01/31 0 4361115 286/286 F 370,600.00 ZZ 360 369,516.82 1 7.625 2,623.08 90 7.375 2,623.08 OAKLAND CA 94618 1 01/30/01 10 9799157 01 03/01/01 25 9799157 O 02/01/31 0 4361930 168/168 F 300,000.00 ZZ 360 298,980.05 1 8.000 2,201.29 80 7.750 2,201.29 MAHOPAC NY 10541 1 12/20/00 00 0249666138 05 02/01/01 0 0249666138 O 01/01/31 0 4366453 168/168 F 450,000.00 ZZ 360 448,966.42 2 7.375 3,108.04 60 7.125 3,108.04 1 BROOKLYN NY 11215 1 02/08/01 00 018967953 05 04/01/01 0 018967953 O 03/01/31 0 4368494 E84/G01 F 485,000.00 ZZ 360 483,742.80 1 7.500 3,391.19 78 7.250 3,391.19 ST CHARLES MO 63304 1 02/05/01 00 0432760395 03 04/01/01 0 14602322 O 03/01/31 0 4369804 E84/G01 F 400,000.00 ZZ 360 399,147.56 1 7.750 2,865.65 57 7.500 2,865.65 NOVATO CA 94949 1 02/03/01 00 0432755130 05 04/01/01 0 37000238 O 03/01/31 0 4372726 511/511 F 373,000.00 ZZ 360 372,716.18 1 7.375 2,576.22 59 7.125 2,576.22 BYRON CA 94514 5 04/09/01 00 0363168 05 06/01/01 0 0363168 O 05/01/31 0 4372731 A06/G01 F 468,750.00 ZZ 360 468,750.00 1 7.375 3,237.54 75 7.125 3,237.54 NOVI MI 48374 2 05/29/01 00 0432853877 05 07/01/01 0 021000020022505 O 06/01/31 0 4372794 E84/G01 F 540,000.00 ZZ 360 538,460.65 1 7.750 3,868.63 78 7.500 3,868.63 GLENVIEW IL 60025 2 01/26/01 00 0432691491 05 03/01/01 0 11205438 O 02/01/31 0 1 4385450 225/G01 F 1,000,000.00 T 360 996,526.92 1 6.750 6,485.98 61 6.500 6,485.98 SHELTER ISLAND NY 11965 1 01/12/01 00 0432632180 05 03/01/01 0 6521264 O 02/01/31 0 4398329 253/253 F 370,000.00 ZZ 360 369,406.48 1 7.125 2,492.76 56 6.875 2,492.76 BOULDER CO 80304 5 03/12/01 00 963166 05 05/01/01 0 963166 O 04/01/31 0 4399151 B60/G01 F 378,000.00 ZZ 360 377,422.98 1 7.375 2,610.75 78 7.125 2,610.75 ALEXANDRIA VA 22314 2 03/08/01 00 0432813970 05 05/01/01 0 317805 O 04/01/31 0 4399530 B60/G01 F 335,000.00 ZZ 360 334,229.21 1 7.500 2,342.37 84 7.250 2,342.37 SIERRA MADRE CA 91024 2 02/23/01 01 0432783777 05 04/01/01 12 316459 O 03/01/31 0 4411723 511/511 F 375,200.00 ZZ 360 374,907.30 1 7.250 2,559.53 80 7.000 2,559.53 PARK RIDGE IL 60068 1 04/30/01 00 0002269234 05 06/01/01 0 0002269234 O 05/01/31 0 4416660 757/G01 F 399,999.00 ZZ 360 399,403.41 1 1 7.500 2,796.86 72 7.250 2,796.86 GROTON MA 01450 2 03/28/01 00 0432813855 05 05/01/01 0 2KASTNINGKEVI O 04/01/31 0 4423591 E82/G01 F 316,300.00 ZZ 360 315,573.51 1 7.375 2,184.61 84 7.125 2,184.61 NEWHALL CA 91381 2 02/26/01 04 0400381182 05 04/01/01 12 0400381182 O 03/01/31 0 4429881 E85/G01 F 420,000.00 ZZ 360 419,672.36 1 7.250 2,865.14 77 7.000 2,865.14 LARKSPUR CA 94939 2 04/26/01 00 0432834000 05 06/01/01 0 9609581 O 05/01/31 0 4431813 964/G01 F 330,000.00 ZZ 360 330,000.00 1 7.125 2,223.27 52 6.875 2,223.27 DANVILLE CA 94526 2 05/08/01 00 0432825479 05 07/01/01 0 112554 O 06/01/31 0 4440503 964/G01 F 399,000.00 ZZ 360 398,449.02 1 7.875 2,893.03 40 7.625 2,893.03 BURLINGAME CA 94010 5 03/27/01 00 0432778868 05 05/01/01 0 400111390 O 04/01/31 0 4440958 U05/G01 F 291,550.00 ZZ 360 291,137.13 1 7.750 2,088.70 85 7.500 2,088.70 THOUSAND OAKS CA 91360 2 03/29/01 11 0432831923 05 05/01/01 20 1 3116240 O 04/01/31 0 4444303 163/G01 F 335,000.00 ZZ 360 334,475.74 1 7.250 2,285.30 56 7.000 2,285.30 DUXBURY MA 02332 1 03/15/01 00 0432705184 05 05/01/01 0 1000245452 O 04/01/31 0 4445698 286/286 F 351,000.00 ZZ 360 350,193.82 1 7.375 2,424.27 52 7.125 2,424.27 SAVANNAH GA 31411 1 02/23/01 00 232102 03 04/01/01 0 232102 O 03/01/31 0 4451638 964/G01 F 317,000.00 ZZ 360 316,528.01 1 7.500 2,216.51 38 7.250 2,216.51 VILLA PARK CA 92861 2 03/27/01 00 0432776953 05 05/01/01 0 112039 O 04/01/31 0 4453725 E48/G01 F 336,600.00 ZZ 360 336,098.82 1 7.500 2,353.56 85 7.250 2,353.56 BRENTWOOD TN 37027 1 03/15/01 10 0432807014 03 05/01/01 12 11001299 O 04/01/31 0 4453905 964/G01 F 370,000.00 ZZ 360 369,435.19 1 7.375 2,555.50 74 7.125 2,555.50 SANTA ROSA CA 95404 2 03/29/01 00 0432804821 05 05/01/01 0 113580 O 04/01/31 0 1 4458493 964/G01 F 289,000.00 ZZ 360 288,790.83 1 7.625 2,045.52 63 7.375 2,045.52 NEWARK CA 94560 2 04/11/01 00 0432791549 03 06/01/01 0 112700 O 05/01/31 0 4459627 964/G01 F 297,500.00 ZZ 360 297,267.92 1 7.250 2,029.48 49 7.000 2,029.48 SAN RAFAEL CA 94903 2 04/12/01 00 0432763076 05 06/01/01 0 400112755 O 05/01/31 0 4460657 964/G01 F 316,000.00 ZZ 360 315,765.48 1 7.500 2,209.52 75 7.250 2,209.52 SAN RAMON CA 94583 2 04/26/01 00 0432795516 05 06/01/01 0 0000114011 O 05/01/31 0 4466959 964/G01 F 295,000.00 ZZ 360 294,769.87 1 7.250 2,012.42 47 7.000 2,012.42 NOVATO CA 94945 2 04/10/01 00 0432821270 05 06/01/01 0 400114378 O 05/01/31 0 4471156 W53/G01 F 500,000.00 ZZ 360 499,252.51 1 7.500 3,496.07 72 7.250 3,496.07 SARASOTA FL 34248 1 03/26/01 00 0432822682 05 05/01/01 0 7201010663 O 04/01/31 0 4485104 511/511 F 315,000.00 ZZ 360 314,783.22 1 7.875 2,283.97 75 7.625 2,283.97 1 SAN DIEGO CA 92131 5 04/06/01 00 4000253 03 06/01/01 0 4000253 O 05/01/31 0 4485353 356/G01 F 510,000.00 ZZ 360 510,000.00 1 7.500 3,566.00 62 7.250 3,566.00 PLEASANTON CA 94566 2 05/11/01 00 0432854354 05 07/01/01 0 2856003 O 06/01/31 0 4485856 964/G01 F 357,500.00 ZZ 360 357,234.69 1 7.500 2,499.69 74 7.250 2,499.69 NOVATO CA 94947 5 04/18/01 00 0432788289 05 06/01/01 0 400113372 O 05/01/31 0 4485980 964/G01 F 311,550.00 ZZ 360 311,306.96 1 7.250 2,125.32 66 7.000 2,125.32 INCLINE VILLAGE NV 89451 2 04/20/01 00 0432788396 05 06/01/01 0 114426 O 05/01/31 0 4491640 356/G01 F 330,000.00 ZZ 360 330,000.00 1 7.750 2,364.17 55 7.500 2,364.17 DANVILLE CA 94526 5 04/24/01 00 0432840619 05 07/01/01 0 2857944 O 06/01/31 0 4493016 P59/G01 F 350,000.00 ZZ 360 349,740.25 4 7.500 2,447.25 52 7.250 2,447.25 LOS ANGELES CA 90025 1 04/04/01 00 0432762524 05 06/01/01 0 001610 O 05/01/31 0 1 4496724 964/G01 F 439,200.00 ZZ 360 438,882.12 1 7.625 3,108.63 80 7.375 3,108.63 CARSON CITY NV 89701 1 04/03/01 00 0432850485 05 06/01/01 0 109622 O 05/01/31 0 4505913 964/G01 F 517,000.00 ZZ 360 516,230.22 1 7.500 3,614.94 52 7.250 3,614.94 LOS ANGELES CA 90097 2 03/23/01 00 0432744746 05 05/01/01 0 108177 O 04/01/31 0 4513185 624/G01 F 340,000.00 ZZ 360 339,480.97 1 7.375 2,348.30 80 7.125 2,348.30 FREMONT CA 94538 1 03/27/01 00 0432702892 05 05/01/01 0 39000310066F O 04/01/31 0 4513382 893/G01 F 308,900.00 ZZ 360 308,416.60 1 7.250 2,107.24 70 7.000 2,107.24 FOSTER CITY CA 94404 2 03/27/01 00 0432705416 01 05/01/01 0 H10306031 O 04/01/31 0 4516311 E22/G01 F 599,600.00 ZZ 360 598,661.68 1 7.250 4,090.33 47 7.000 4,090.33 CUPERTINO CA 95014 2 03/15/01 00 0412459356 05 05/01/01 0 0412459356 O 04/01/31 0 4520461 757/G01 F 335,000.00 ZZ 360 334,751.38 1 1 7.500 2,342.37 64 7.250 2,342.37 JAMAICA PLAIN MA 02130 2 04/02/01 00 0432816361 05 06/01/01 0 2PETRELLAROBE O 05/01/31 0 4520695 G52/G01 F 318,750.00 ZZ 360 318,263.42 1 7.375 2,201.53 75 7.125 2,201.53 LOVELAND CO 80538 5 03/30/01 00 0432800936 05 05/01/01 0 75500948 O 04/01/31 0 4520740 964/G01 F 635,600.00 ZZ 360 635,116.36 1 7.375 4,389.93 71 7.125 4,389.93 WEST LINN OR 97068 1 04/19/01 00 0432808004 05 06/01/01 0 109514 O 05/01/31 0 4521206 369/G01 F 434,000.00 ZZ 360 433,201.13 1 7.500 3,034.59 80 7.250 3,034.59 SCOTTSDALE AZ 85262 1 03/27/01 00 0432853695 03 05/01/01 0 14954460 O 04/01/31 0 4524946 H58/G01 F 505,000.00 T 360 504,284.86 1 7.750 3,617.88 73 7.500 3,617.88 LAS VEGAS NV 89144 2 03/29/01 00 0432802791 05 05/01/01 0 63120 O 04/01/31 0 4526773 B60/G01 F 333,600.00 ZZ 360 333,346.16 1 7.375 2,304.09 79 7.125 2,304.09 EL SOBRANTE CA 94803 2 04/24/01 00 0432827830 05 06/01/01 0 1 317483 O 05/01/31 0 4528155 964/G01 F 309,000.00 ZZ 360 308,758.95 1 7.250 2,107.93 70 7.000 2,107.93 GILROY CA 95020 2 04/09/01 00 0432763183 05 06/01/01 0 114535 O 05/01/31 0 4530294 E85/G01 F 344,000.00 ZZ 360 343,751.02 1 7.625 2,434.81 80 7.375 2,434.81 SAUSALITO CA 94965 1 04/03/01 00 0432802494 09 06/01/01 0 2000110 O 05/01/31 0 4531493 975/G01 F 299,000.00 ZZ 360 298,760.89 1 7.125 2,014.42 62 6.875 2,014.42 TORRANCE CA 90505 2 04/02/01 00 0432780344 05 06/01/01 0 2011647 O 05/01/31 0 4533158 624/G01 F 420,000.00 ZZ 360 419,672.36 1 7.250 2,865.14 76 7.000 2,865.14 SALINAS CA 93908 1 03/30/01 00 0432739183 03 06/01/01 0 88613010566F O 05/01/31 0 4533561 964/G01 F 628,000.00 ZZ 360 627,533.93 1 7.500 4,391.07 80 7.250 4,391.07 SAN FRANCISCO CA 94121 2 04/03/01 00 0432793933 01 06/01/01 0 113350 O 05/01/31 0 1 4536641 964/G01 F 380,000.00 ZZ 360 379,710.85 1 7.375 2,624.57 70 7.125 2,624.57 PHOENIX AZ 85022 2 04/16/01 00 0432793701 03 06/01/01 0 116996 O 05/01/31 0 4536899 E84/G01 F 385,000.00 ZZ 360 384,382.41 1 7.125 2,593.82 80 6.875 2,593.82 NORWELL MA 02061 1 03/14/01 00 0432711877 05 05/01/01 0 45010255 O 04/01/31 0 4538214 964/G01 F 360,000.00 ZZ 360 359,732.83 1 7.500 2,517.17 48 7.250 2,517.17 BELMONT CA 94002 5 04/26/01 00 0432794204 05 06/01/01 0 253342570 O 05/01/31 0 4539913 975/G01 F 337,500.00 ZZ 360 337,249.53 1 7.500 2,359.85 74 7.250 2,359.85 ROWLAND HEIGHTS CA 91748 5 04/02/01 00 0432780054 03 06/01/01 0 2011250 O 05/01/31 0 4539990 961/G01 F 156,000.00 ZZ 360 155,878.31 1 7.250 1,064.19 48 7.000 1,064.19 UPLAND CA 91784 2 04/02/01 00 0432756021 05 06/01/01 0 13934 O 05/01/31 0 4543082 E66/G01 F 271,700.00 ZZ 360 271,274.82 1 7.250 1,853.47 77 7.000 1,853.47 1 DURHAM NC 27713 1 03/30/01 00 0432816692 05 05/01/01 0 600618022 O 04/01/31 0 4543332 964/G01 F 307,000.00 ZZ 360 306,772.16 1 7.500 2,146.59 78 7.250 2,146.59 SCOTTS VALLEY CA 95066 2 04/12/01 00 0432780278 09 06/01/01 0 115564 O 05/01/31 0 4544073 757/G01 F 476,000.00 ZZ 360 476,000.00 1 7.000 3,166.84 80 6.750 3,166.84 GAITHERSVILLE MD 20882 1 05/11/01 00 0432838746 03 07/01/01 0 1000209260 O 06/01/31 0 4545296 964/G01 F 360,000.00 ZZ 360 359,719.16 1 7.250 2,455.84 74 7.000 2,455.84 BELVEDERE TIBUR CA 94920 2 04/09/01 00 0432759959 01 06/01/01 0 400113894 O 05/01/31 0 4547217 116/116 F 375,000.00 ZZ 360 373,119.32 1 7.000 2,494.89 74 6.750 2,494.89 THE WOODLANDS TX 77380 1 02/22/01 00 091069314 03 04/01/01 0 091069314 O 03/01/31 0 4547362 B60/G01 F 420,000.00 ZZ 360 419,390.09 1 7.625 2,972.74 78 7.375 2,972.74 ANAHEIM CA 92808 5 03/06/01 00 0432701597 03 05/01/01 0 315296 O 04/01/31 0 1 4547526 624/G01 F 450,000.00 ZZ 360 449,657.58 1 7.375 3,108.04 75 7.125 3,108.04 SANTA CRUZ CA 95060 4 04/18/01 00 0432801066 05 06/01/01 0 88615010286F O 05/01/31 0 4548119 964/G01 F 354,000.00 ZZ 360 353,730.63 1 7.375 2,444.99 60 7.125 2,444.99 GILROY CA 95020 5 04/05/01 00 0432772549 05 06/01/01 0 400114047 O 05/01/31 0 4549093 A06/G01 F 335,000.00 ZZ 360 334,751.38 1 7.500 2,342.37 67 7.250 2,342.37 TROY MI 48084 5 04/27/01 00 0432830222 05 06/01/01 0 YOUNG O 05/01/31 0 4551202 E84/G01 F 645,000.00 ZZ 360 644,015.41 1 7.375 4,454.85 54 7.125 4,454.85 HIGHLAND PARK IL 60035 2 03/06/01 00 0432756229 05 05/01/01 0 11206192 O 04/01/31 0 4552541 964/G01 F 318,750.00 ZZ 360 318,507.45 1 7.375 2,201.53 75 7.125 2,201.53 SCOTTSDALE AZ 85259 5 04/05/01 00 0432794964 03 06/01/01 0 113416 O 05/01/31 0 4553795 T27/G01 F 56,810.00 ZZ 360 56,767.84 1 1 7.500 397.22 94 7.250 397.22 ROCKFORD IL 61101 2 04/06/01 10 0432792935 05 06/01/01 30 9215010002856 O 05/01/31 0 4554229 964/G01 F 337,500.00 ZZ 360 337,500.00 1 7.375 2,331.03 75 7.125 2,331.03 SOLVANG CA 93463 5 05/03/01 00 0432821122 05 07/01/01 0 113978 O 06/01/31 0 4556163 356/G01 F 315,000.00 ZZ 360 314,772.00 1 7.625 2,229.56 41 7.375 2,229.56 PLEASANTON CA 94588 2 04/10/01 00 0432803393 05 06/01/01 0 2857241 O 05/01/31 0 4556346 714/G01 F 390,000.00 ZZ 360 389,389.68 1 7.250 2,660.49 56 7.000 2,660.49 CEDARBURG WI 53012 2 03/08/01 00 0432689495 05 05/01/01 0 619641 O 04/01/31 0 4557071 964/G01 F 455,200.00 ZZ 360 454,862.18 1 7.500 3,182.82 80 7.250 3,182.82 MOSS BEACH CA 94038 1 04/06/01 00 0432788982 05 06/01/01 0 40016883 O 05/01/31 0 4559060 964/G01 F 300,000.00 ZZ 360 299,741.71 1 6.750 1,945.79 75 6.500 1,945.79 ROSEVILLE CA 95747 5 04/16/01 00 0432787687 03 06/01/01 0 1 116259 O 05/01/31 0 4559601 964/G01 F 383,500.00 ZZ 360 383,193.32 1 7.125 2,583.71 72 6.875 2,583.71 STOCKTON CA 95219 5 04/24/01 00 0432790012 05 06/01/01 0 113589 O 05/01/31 0 4559628 964/G01 F 395,500.00 ZZ 360 395,206.49 1 7.500 2,765.39 72 7.250 2,765.39 LOS ANGELES CA 90045 5 04/09/01 00 0432804110 05 06/01/01 0 115451 O 05/01/31 0 4563107 F25/G01 F 350,000.00 ZZ 360 350,000.00 1 7.375 2,417.36 59 7.125 2,417.36 PLEASANTVILLE NY 10570 5 05/17/01 00 0432819019 05 07/01/01 0 0450913 O 06/01/31 0 4563917 944/G01 F 396,500.00 ZZ 360 396,174.99 1 7.000 2,637.93 70 6.750 2,637.93 REHOBOTH BEACH DE 19971 2 04/06/01 00 0432779791 03 06/01/01 0 W88013358 O 05/01/31 0 4564255 K81/G01 F 312,000.00 ZZ 360 311,737.88 1 6.875 2,049.62 80 6.625 2,049.62 WESTMINSTER CO 80031 1 04/26/01 00 0432838878 03 06/01/01 0 7003270 O 05/01/31 0 1 4565022 964/G01 F 340,000.00 ZZ 360 339,766.01 1 7.875 2,465.24 57 7.625 2,465.24 WALNUT GROVE CA 95690 5 04/10/01 00 0432808319 05 06/01/01 0 400116295 O 05/01/31 0 4567805 964/G01 F 312,700.00 ZZ 360 312,467.94 1 7.500 2,186.44 53 7.250 2,186.44 SANTA ROSA CA 95409 5 04/26/01 00 0432802627 05 06/01/01 0 400117221 O 05/01/31 0 4569780 M17/G01 F 292,500.00 ZZ 360 292,322.80 1 8.500 2,249.07 90 8.250 2,249.07 CLINTON MD 20735 2 04/06/01 14 0432814705 03 06/01/01 25 9212000069 O 05/01/31 0 4569837 R65/G01 F 328,000.00 ZZ 360 327,737.70 1 7.125 2,209.80 80 6.875 2,209.80 PLANTATION FL 33325 1 04/30/01 00 0432776904 05 06/01/01 0 20011610 O 05/01/31 0 4570174 964/G01 F 650,000.00 ZZ 360 649,467.20 1 7.000 4,324.47 64 6.750 4,324.47 NEWPORT BEACH CA 92660 1 04/05/01 00 0432762920 01 06/01/01 0 114752 O 05/01/31 0 4571171 964/G01 F 399,900.00 ZZ 360 399,603.22 1 7.500 2,796.16 72 7.250 2,796.16 1 NOVATO CA 94947 5 04/11/01 00 0432791150 05 06/01/01 0 400116114 O 05/01/31 0 4571830 944/G01 F 356,000.00 ZZ 360 355,729.11 1 7.375 2,458.81 80 7.125 2,458.81 SAN JOSE CA 95132 1 04/11/01 00 0432749299 05 06/01/01 0 W01022331 O 05/01/31 0 4571887 966/G01 F 470,000.00 ZZ 360 468,556.24 1 7.375 3,246.17 79 7.125 3,246.17 DALLAS TX 75230 4 02/20/01 00 0432802411 03 03/01/01 0 22009092 O 02/01/31 0 4574007 964/G01 F 970,000.00 ZZ 360 969,224.31 2 7.125 6,535.07 42 6.875 6,535.07 SAN FRANCISCO CA 94118 2 04/09/01 00 0432829984 05 06/01/01 0 117517 O 05/01/31 0 4574102 E84/G01 F 300,000.00 ZZ 360 298,798.88 1 7.750 2,149.24 78 7.500 2,149.24 ROLLING MEADOWS IL 60008 1 02/27/01 00 0432723807 05 04/01/01 0 11205616 O 03/01/31 0 4574378 964/G01 F 380,000.00 ZZ 360 379,703.56 1 7.250 2,592.27 60 7.000 2,592.27 BERKELEY CA 94708 5 04/11/01 00 0432787968 05 06/01/01 0 400116158 O 05/01/31 0 1 4574590 964/G01 F 650,000.00 ZZ 360 649,505.40 1 7.375 4,489.39 62 7.125 4,489.39 SAN JOSE CA 95138 5 04/12/01 00 0432794360 05 06/01/01 0 400117195 O 05/01/31 0 4575021 B60/G01 F 78,000.00 ZZ 360 77,948.97 1 8.125 579.15 64 7.875 579.15 ALICE TX 78332 2 04/06/01 00 0432786754 05 06/01/01 0 317698 O 05/01/31 0 4575826 B57/G01 F 650,000.00 ZZ 360 646,075.92 1 7.250 4,434.15 60 7.000 4,434.15 PACIFIC PALISAD CA 90272 1 04/06/01 00 0432863025 05 06/01/01 0 2111336 O 05/01/31 0 4575888 B60/G01 F 308,000.00 ZZ 360 307,759.73 1 7.250 2,101.10 80 7.000 2,101.10 FAIRFIELD CA 94585 2 03/26/01 00 0432780252 05 06/01/01 0 323356 O 05/01/31 0 4575987 B60/G01 F 318,750.00 ZZ 360 318,482.21 1 6.875 2,093.96 75 6.625 2,093.96 FULLERTON CA 92835 5 04/07/01 00 0432827962 05 06/01/01 0 319667 O 05/01/31 0 4576294 964/G01 F 322,000.00 ZZ 360 321,742.51 1 1 7.125 2,169.37 88 6.875 2,169.37 RICHMOND CA 94804 1 04/20/01 11 0432774693 05 06/01/01 25 118811 O 05/01/31 0 4576414 E22/G01 F 310,000.00 ZZ 360 309,514.88 1 7.250 2,114.75 76 7.000 2,114.75 HAYWARD CA 94541 2 03/22/01 00 0412436438 05 05/01/01 0 0412436438 O 04/01/31 0 4576971 575/G01 F 415,000.00 ZZ 360 414,684.22 1 7.375 2,866.30 70 7.125 2,866.30 GATES MILLS OH 44040 2 04/09/01 00 0432838647 05 06/01/01 0 11909132 O 05/01/31 0 4578595 964/G01 F 600,000.00 ZZ 360 599,061.05 1 7.250 4,093.06 73 7.000 4,093.06 SEAL BEACH CA 90704 5 04/02/01 00 0432825198 05 05/01/01 0 113745 O 04/01/31 0 4580518 E84/G01 F 552,500.00 ZZ 360 551,231.01 2 7.375 3,815.98 76 7.125 3,815.98 REDWOOD CITY CA 94061 1 02/20/01 00 0432723757 05 04/01/01 0 15302466 O 03/01/31 0 4582350 253/253 F 365,500.00 ZZ 360 365,207.71 1 7.125 2,462.45 90 6.875 2,462.45 SAN DIEGO CA 92122 2 04/09/01 19 964322 05 06/01/01 25 1 964322 O 05/01/31 0 4584005 E22/G01 F 465,000.00 ZZ 360 463,914.73 1 6.875 3,054.72 66 6.625 3,054.72 PACIFIC PALISAD CA 90272 1 03/29/01 00 0412474405 05 05/01/01 0 0412474405 O 04/01/31 0 4584234 956/G01 F 543,750.00 ZZ 360 542,591.24 3 7.750 3,895.49 75 7.500 3,895.49 SEATTLE WA 98136 2 02/21/01 00 0432757623 05 04/01/01 0 1311020008 O 03/01/31 0 4584401 964/G01 F 375,000.00 ZZ 360 374,707.47 1 7.250 2,558.16 72 7.000 2,558.16 OAKLAND CA 94611 5 04/16/01 00 0432790053 05 06/01/01 0 400113569 O 05/01/31 0 4584706 A06/G01 F 520,000.00 ZZ 360 519,225.75 1 7.500 3,635.92 80 7.250 3,635.92 PLYMOUTH MI 48170 2 03/29/01 00 0432754604 05 05/01/01 0 10087607A O 04/01/31 0 4584993 964/G01 F 290,000.00 ZZ 360 289,768.10 1 7.125 1,953.78 67 6.875 1,953.78 SAN ANSELMO CA 94960 2 04/17/01 00 0432776755 01 06/01/01 0 400116623 O 05/01/31 0 1 4585892 964/G01 F 348,500.00 ZZ 360 348,241.37 1 7.500 2,436.76 60 7.250 2,436.76 ALBANY CA 94123 2 04/16/01 00 0432788966 05 06/01/01 0 115923 O 05/01/31 0 4585968 B60/G01 F 480,000.00 ZZ 360 479,625.55 1 7.250 3,274.45 80 7.000 3,274.45 MANHATTAN BEACH CA 90266 1 04/02/01 00 0432793008 01 06/01/01 0 320293 O 05/01/31 0 4588178 T44/G01 F 300,000.00 T 360 299,777.36 1 7.500 2,097.64 80 7.250 2,097.64 SAN LUIS OBISPO CA 93401 1 04/10/01 00 0432822161 05 06/01/01 0 4588178 O 05/01/31 0 4588239 F25/G01 F 386,000.00 ZZ 360 385,698.88 1 7.250 2,633.20 51 7.000 2,633.20 RAMSEY NJ 07446 2 04/18/01 00 0432755320 05 06/01/01 0 1 O 05/01/31 0 4588865 696/G01 F 412,000.00 ZZ 360 411,305.75 1 6.875 2,706.55 30 6.625 2,706.55 MCLEAN VA 22102 1 03/30/01 00 0432694552 05 05/01/01 0 24401040 O 04/01/31 0 4588893 757/G01 F 340,000.00 ZZ 360 339,721.30 1 7.000 2,262.03 76 6.750 2,262.03 1 MONROE CT 06468 2 04/25/01 00 0432779148 05 06/01/01 0 2 O 05/01/31 0 4589016 964/G01 F 382,000.00 ZZ 360 381,702.01 1 7.250 2,605.91 58 7.000 2,605.91 MILL VALLEY CA 94941 5 04/11/01 00 0432762219 05 06/01/01 0 400115507 O 05/01/31 0 4589969 369/G01 F 398,400.00 ZZ 360 398,081.40 1 7.125 2,684.10 80 6.875 2,684.10 MISSOURI CITY TX 77459 1 04/10/01 00 0432832186 03 06/01/01 0 0072945207 O 05/01/31 0 4589986 964/G01 F 344,000.00 ZZ 360 343,731.64 1 7.250 2,346.69 78 7.000 2,346.69 BENICIA CA 94510 2 04/17/01 00 0432788545 05 06/01/01 0 400119289 O 05/01/31 0 4590428 964/G01 F 337,500.00 ZZ 360 337,230.11 1 7.125 2,273.80 75 6.875 2,273.80 FREMONT CA 94539 2 04/17/01 00 0432788925 05 06/01/01 0 400116507 O 05/01/31 0 4590797 964/G01 F 355,000.00 ZZ 360 354,729.87 1 7.375 2,451.90 67 7.125 2,451.90 SAN FRANCISCO CA 94107 2 04/10/01 00 0432789287 01 06/01/01 0 400114600 O 05/01/31 0 1 4590897 964/G01 F 325,000.00 ZZ 360 324,740.10 1 7.125 2,189.59 71 6.875 2,189.59 BURBANK CA 91501 1 04/20/01 00 0432793529 05 06/01/01 0 116641 O 05/01/31 0 4590918 964/G01 F 355,000.00 ZZ 360 354,723.06 1 7.250 2,421.73 74 7.000 2,421.73 GILROY CA 95020 5 04/18/01 00 0432789956 05 06/01/01 0 400117270 O 05/01/31 0 4591354 964/G01 F 412,000.00 ZZ 360 411,694.24 1 7.500 2,880.76 75 7.250 2,880.76 YORBA LINDA CA 92886 2 04/20/01 00 0432794477 05 06/01/01 0 113738 O 05/01/31 0 4591922 163/163 F 489,000.00 ZZ 360 488,234.77 1 7.250 3,335.84 68 7.000 3,335.84 SANTA ROSA CA 95405 2 03/14/01 00 718056376 03 05/01/01 0 718056376 O 04/01/31 0 4593689 E45/G01 F 328,000.00 ZZ 360 327,724.44 1 6.875 2,154.73 80 6.625 2,154.73 DANIELSVILLE GA 30633 2 04/18/01 00 0432794535 05 06/01/01 0 126918 O 05/01/31 0 4594681 964/G01 F 360,000.00 ZZ 360 359,745.92 1 1 7.750 2,579.08 85 7.500 2,579.08 YORBA LINDA CA 92886 2 04/02/01 14 0432792489 05 06/01/01 12 118534 O 05/01/31 0 4594690 964/G01 F 330,000.00 ZZ 360 329,755.09 1 7.500 2,307.41 66 7.250 2,307.41 ARROYO GRANDE CA 93420 5 04/10/01 00 0432793693 05 06/01/01 0 116150 O 05/01/31 0 4594851 369/G01 F 564,000.00 ZZ 360 563,560.02 1 7.250 3,847.48 80 7.000 3,847.48 SUGAR LAND TX 77479 2 04/05/01 00 0432829448 05 06/01/01 0 0072761778 O 05/01/31 0 4598217 964/G01 F 396,000.00 ZZ 360 395,706.11 1 7.500 2,768.89 63 7.250 2,768.89 REDWOOD CITY CA 94061 2 04/11/01 00 0432776979 05 06/01/01 0 1215551245 O 05/01/31 0 4599137 B60/G01 F 475,000.00 ZZ 360 474,647.48 1 7.500 3,321.27 68 7.250 3,321.27 CUPERTINO CA 95014 5 03/22/01 00 0432804490 05 06/01/01 0 320375 O 05/01/31 0 4599950 163/163 F 650,000.00 ZZ 300 647,807.49 1 7.625 4,856.42 74 7.375 4,856.42 LOS ANGELES CA 90068 2 02/23/01 00 1000271122 05 04/01/01 0 1 1000271122 O 03/01/26 0 4600870 926/926 F 537,000.00 ZZ 360 536,559.82 1 7.000 3,572.68 52 6.750 3,572.68 HILTON HEAD ISL SC 29928 2 04/16/01 00 01048130 03 06/01/01 0 01048130 O 05/01/31 0 4601602 A35/A35 F 483,000.00 T 360 482,623.22 1 7.250 3,294.91 68 7.000 3,294.91 GULF BREEZE FL 32561 2 04/17/01 00 11807 03 06/01/01 0 11807 O 05/01/31 0 4602560 163/163 F 385,000.00 ZZ 360 384,426.75 1 7.500 2,691.98 75 7.250 2,691.98 AUBURN CA 95603 2 03/01/01 00 717952765 05 05/01/01 0 717952765 O 04/01/31 0 4602748 B60/G01 F 315,900.00 ZZ 360 315,659.63 1 7.375 2,181.84 73 7.125 2,181.84 CASTRO VALLEY CA 94546 5 03/22/01 00 0432816510 05 06/01/01 0 321539 O 05/01/31 0 4603287 U42/G01 F 399,000.00 ZZ 360 398,732.28 1 8.000 2,927.72 75 7.750 2,927.72 PLANO TX 75093 5 04/11/01 00 0432828051 03 06/01/01 0 12101216 O 05/01/31 0 1 4603318 T44/G01 F 437,000.00 ZZ 360 436,675.68 1 7.500 3,055.57 75 7.250 3,055.57 BLACK DIAMOND WA 98010 2 04/12/01 00 0432814580 05 06/01/01 0 4603318 O 05/01/31 0 4603884 477/G01 F 315,000.00 ZZ 360 314,754.27 1 7.250 2,148.86 75 7.000 2,148.86 WHITTIER CA 90601 1 04/12/01 00 0432815082 03 06/01/01 0 109462 O 05/01/31 0 4605358 144/144 F 616,000.00 ZZ 360 616,000.00 1 7.375 4,254.56 70 7.125 4,254.56 SCARSDALE NY 10583 1 05/17/01 00 00 05 07/01/01 0 00 O 06/01/31 0 4607317 964/G01 F 350,000.00 ZZ 360 349,726.96 1 7.250 2,387.62 62 7.000 2,387.62 NOVATO CA 94949 1 04/12/01 00 0432776821 05 06/01/01 0 106912 O 05/01/31 0 4607931 931/G01 F 317,500.00 ZZ 360 317,500.00 1 7.250 2,165.91 90 7.000 2,165.91 LEDYARD CT 06335 1 05/30/01 14 0432850782 05 07/01/01 25 1 O 06/01/31 0 4608469 369/G01 F 322,700.00 ZZ 360 322,454.45 1 7.375 2,228.81 77 7.125 2,228.81 1 WAKE FOREST NC 27587 2 04/11/01 00 0432817724 03 06/01/01 0 0072963762 O 05/01/31 0 4608737 757/G01 F 310,000.00 ZZ 360 309,758.17 1 7.250 2,114.75 89 7.000 2,114.75 FAIRFIELD CT 06430 1 04/27/01 01 0432833879 05 06/01/01 25 1000205680 O 05/01/31 0 4608822 E76/G01 F 325,000.00 ZZ 360 324,746.47 1 7.250 2,217.07 68 7.000 2,217.07 LITTLETON CO 80127 5 04/26/01 00 0432841559 05 06/01/01 0 10004897 O 05/01/31 0 4609471 964/G01 F 506,400.00 ZZ 360 506,004.96 1 7.250 3,454.54 80 7.000 3,454.54 SUNNYVALE CA 94086 1 04/20/01 00 0432800480 05 06/01/01 0 117931 O 05/01/31 0 4611228 B57/G01 F 298,000.00 ZZ 360 297,784.31 1 7.625 2,109.23 44 7.375 2,109.23 LAGUNA BEACH CA 92651 2 04/16/01 00 0432804458 05 06/01/01 0 2112985 O 05/01/31 0 4613987 B65/G01 F 710,000.00 ZZ 360 709,446.12 1 7.250 4,843.46 51 7.000 4,843.46 BEXLEY OH 43209 2 04/18/01 00 0432755239 05 06/01/01 0 010301602 O 05/01/31 0 1 4614623 964/G01 F 381,500.00 ZZ 360 381,223.88 1 7.625 2,700.23 70 7.375 2,700.23 FREMONT CA 94536 2 04/19/01 00 0432809812 05 06/01/01 0 115571 O 05/01/31 0 4615039 685/G01 F 496,000.00 ZZ 360 495,675.54 1 8.125 3,682.79 80 7.875 3,682.79 SANTA MONICA CA 90403 1 04/17/01 00 0432750081 05 06/01/01 0 125440 O 05/01/31 0 4615072 964/G01 F 267,000.00 ZZ 360 266,791.72 1 7.250 1,821.41 72 7.000 1,821.41 MARTINEZ CA 94553 2 04/19/01 00 0432800621 03 06/01/01 0 400116056 O 05/01/31 0 4615106 964/G01 F 314,000.00 ZZ 360 313,761.07 1 7.375 2,168.72 79 7.125 2,168.72 ELK GROVE CA 95624 2 04/17/01 00 0432763167 05 06/01/01 0 112851 O 05/01/31 0 4615530 E22/G01 F 87,000.00 ZZ 360 86,938.59 1 7.750 623.28 58 7.500 623.28 AUSTIN TX 78704 5 04/03/01 00 0412510604 05 06/01/01 0 0412510604 O 05/01/31 0 4617127 B60/G01 F 500,500.00 ZZ 360 500,079.52 1 1 6.875 3,287.93 77 6.625 3,287.93 TOPANGA (AREA) CA 90290 1 04/04/01 00 0432817674 05 06/01/01 0 319859 O 05/01/31 0 4617144 A19/G01 F 264,400.00 ZZ 360 264,400.00 1 8.125 1,963.16 80 7.875 1,963.16 MERRIMACK NH 03054 1 05/02/01 00 0432818698 29 07/01/01 0 019844 O 06/01/31 0 4617694 T44/G01 F 375,000.00 ZZ 360 374,700.12 1 7.125 2,526.44 58 6.875 2,526.44 PACIFIC GROVE CA 93950 5 04/20/01 00 0432830925 05 06/01/01 0 1010376 O 05/01/31 0 4617746 964/G01 F 363,850.00 ZZ 360 363,566.16 1 7.250 2,482.10 68 7.000 2,482.10 HUNTINGTON BEAC CA 92648 5 04/16/01 00 0432807345 05 06/01/01 0 116455 O 05/01/31 0 4619541 470/G01 F 304,700.00 ZZ 360 304,473.87 1 7.500 2,130.51 80 7.250 2,130.51 SALINAS CA 93906 1 04/17/01 00 0432822351 05 06/01/01 0 45000797 O 05/01/31 0 4620892 R65/G01 F 375,000.00 ZZ 360 374,700.12 1 7.125 2,526.44 70 6.875 2,526.44 REISTERSTOWN MD 21136 2 04/24/01 00 0432782399 05 06/01/01 0 1 20012070 O 05/01/31 0 4621651 964/G01 F 374,000.00 ZZ 360 374,000.00 1 7.500 2,615.06 73 7.250 2,615.06 WALNUT CREEK CA 94595 2 05/15/01 00 0432824720 05 07/01/01 0 400120313 O 06/01/31 0 4623029 964/G01 F 543,000.00 ZZ 360 543,000.00 1 7.250 3,704.22 42 7.000 3,704.22 SAN FRANCISCO CA 94123 2 05/08/01 00 0432843555 05 07/01/01 0 120013 O 06/01/31 0 4623127 B60/G01 F 426,400.00 ZZ 360 426,075.54 1 7.375 2,945.04 80 7.125 2,945.04 RANCHO SANTA MA CA 92688 1 04/10/01 00 0432794006 03 06/01/01 0 325161 O 05/01/31 0 4623324 168/168 F 497,000.00 ZZ 360 495,510.70 1 7.500 3,475.10 77 7.250 3,475.10 SUNNYVALE CA 94087 2 01/02/01 00 0439573246 05 03/01/01 0 0439573246 O 02/01/31 0 4624024 964/G01 F 333,000.00 ZZ 360 332,740.23 1 7.250 2,271.65 79 7.000 2,271.65 OAKLAND CA 94611 2 04/18/01 00 0432800845 05 06/01/01 0 117301 O 05/01/31 0 1 4625769 168/168 F 372,000.00 ZZ 360 371,166.57 1 7.500 2,601.08 80 7.250 2,601.08 NEW ROCHELLE NY 10804 1 02/15/01 00 0189691417 05 04/01/01 0 0189691417 O 03/01/31 0 4626027 W39/G01 F 375,000.00 ZZ 360 375,000.00 1 7.250 2,558.16 75 7.000 2,558.16 MANDEVILLE LA 70471 5 04/26/01 00 0432852705 05 07/01/01 0 990807 O 06/01/31 0 4627046 964/G01 F 468,000.00 ZZ 360 468,000.00 1 7.500 3,272.32 75 7.250 3,272.32 SOUTH LAKE TAHO CA 96150 5 05/17/01 00 0432837730 05 07/01/01 0 120392 O 06/01/31 0 4627062 964/G01 F 536,000.00 ZZ 360 535,581.86 1 7.250 3,656.47 64 7.000 3,656.47 CASTRO VALLEY L CA 94546 5 04/26/01 00 0432795375 05 06/01/01 0 115577 O 05/01/31 0 4627315 975/G01 F 500,000.00 ZZ 360 499,628.93 1 7.500 3,496.07 74 7.250 3,496.07 LA HABRA CA 90631 2 04/12/01 00 0432813921 03 06/01/01 0 2012057 O 05/01/31 0 4627408 M18/G01 F 400,000.00 ZZ 360 400,000.00 4 7.875 2,900.28 90 7.625 2,900.28 1 BURBANK CA 91506 1 05/04/01 04 0432863223 05 07/01/01 25 980101204 O 06/01/31 0 4627413 964/G01 F 508,000.00 ZZ 360 507,632.33 1 7.625 3,595.59 80 7.375 3,595.59 SAN LUIS OBISPO CA 93405 1 04/17/01 00 0432809036 05 06/01/01 0 119452 O 05/01/31 0 4627476 964/G01 F 542,400.00 ZZ 360 542,400.00 1 7.375 3,746.22 52 7.125 3,746.22 EL CERRITO CA 94530 2 05/03/01 00 0432825933 05 07/01/01 0 400120600 O 06/01/31 0 4628168 369/G01 F 392,000.00 ZZ 360 391,686.52 1 7.125 2,640.98 80 6.875 2,640.98 DUNWOODY GA 30338 1 04/27/01 00 0432846434 05 06/01/01 0 0072988132 O 05/01/31 0 4628369 992/G01 F 340,000.00 ZZ 360 339,467.93 1 7.250 2,319.40 79 7.000 2,319.40 WEST HARRISON NY 10604 2 03/22/01 00 0432741676 05 05/01/01 0 391789 O 04/01/31 0 4629038 822/G01 F 1,000,000.00 ZZ 360 999,257.85 1 7.500 6,992.15 69 7.250 6,992.15 NEWTOWN SQUARE PA 19073 1 04/24/01 00 0432852895 05 06/01/01 0 3626058077 O 05/01/31 0 1 4629809 964/G01 F 348,700.00 ZZ 360 348,453.89 1 7.750 2,498.13 78 7.500 2,498.13 CAMAS WA 98607 2 04/19/01 00 0432788859 03 06/01/01 0 116044 O 05/01/31 0 4629862 F26/G01 F 612,500.00 ZZ 360 612,033.93 1 7.375 4,230.39 70 7.125 4,230.39 MERCER ISLAND WA 98040 5 04/18/01 00 0432782381 03 06/01/01 0 7142736007 O 05/01/31 0 4631236 944/G01 F 339,000.00 ZZ 360 338,735.55 1 7.250 2,312.58 54 7.000 2,312.58 SANTA CRUZ CA 90560 2 04/26/01 00 0432822260 05 06/01/01 0 R00090962 O 05/01/31 0 4634510 168/168 F 337,000.00 ZZ 360 336,263.61 1 7.625 2,385.26 55 7.375 2,385.26 CASTRO VALLEY CA 94552 2 02/14/01 00 0439596092 05 04/01/01 0 0439596092 O 03/01/31 0 4636309 964/G01 F 335,000.00 ZZ 360 334,745.09 1 7.375 2,313.76 67 7.125 2,313.76 NOVATO CA 94947 2 04/17/01 00 0432793107 05 06/01/01 0 116377 O 05/01/31 0 4636401 369/G01 F 336,000.00 ZZ 360 336,000.00 1 1 7.250 2,292.11 80 7.000 2,292.11 HAWTHORNE CA 90250 5 05/01/01 00 0432853547 05 07/01/01 0 0072950371 O 06/01/31 0 4637251 B60/G01 F 335,000.00 ZZ 360 335,000.00 1 6.875 2,200.71 75 6.625 2,200.71 CHARLOTTE NC 28204 5 05/03/01 00 0432822815 05 07/01/01 0 324418 O 06/01/31 0 4637506 964/G01 F 330,000.00 ZZ 360 330,000.00 1 7.125 2,223.27 48 6.875 2,223.27 NOVATO CA 94949 5 05/10/01 00 0432852127 05 07/01/01 0 120599 O 06/01/31 0 4637971 B60/G01 F 290,700.00 ZZ 360 290,467.53 1 7.125 1,958.50 60 6.875 1,958.50 SAN JOSE CA 95121 5 04/04/01 00 0432821320 05 06/01/01 0 320178 O 05/01/31 0 4638624 E82/G01 F 546,000.00 ZZ 360 543,004.76 1 7.500 3,817.71 70 7.250 3,817.71 WALNUT CREEK CA 94596 2 04/05/01 00 0400406468 05 05/01/01 0 0400406468 O 04/01/31 0 4638956 168/168 F 420,000.00 ZZ 360 418,757.17 1 7.500 2,936.70 69 7.250 2,936.70 LIVERMORE CA 94550 2 02/02/01 00 0439581940 05 04/01/01 0 1 0439581940 O 03/01/31 0 4639528 168/168 F 475,300.00 ZZ 360 473,875.74 1 7.500 3,323.37 55 7.250 3,323.37 SAN JOSE CA 95135 2 01/26/01 00 0439582709 03 03/01/01 0 0439582709 O 02/01/31 0 4639644 168/168 F 310,000.00 ZZ 360 309,538.44 1 7.500 2,167.56 63 7.250 2,167.56 SCARSDALE NY 10583 1 03/02/01 00 0249645203 05 05/01/01 0 0249645203 O 04/01/31 0 4640030 168/168 F 523,050.00 ZZ 360 489,153.01 1 7.500 3,657.24 68 7.250 3,657.24 SAN JOSE CA 95129 2 02/21/01 00 0439611504 05 04/01/01 0 0439611504 O 03/01/31 0 4640199 H58/G01 F 395,200.00 ZZ 360 394,883.96 1 7.125 2,662.54 61 6.875 2,662.54 BYRON CA 94514 5 04/23/01 00 0432820124 03 06/01/01 0 0000065498 O 05/01/31 0 4640232 168/168 F 375,000.00 ZZ 360 374,180.56 1 7.625 2,654.23 66 7.375 2,654.23 ARCADIA CA 91006 2 02/07/01 00 0439589509 05 04/01/01 0 0439589509 O 03/01/31 0 1 4641996 964/G01 F 362,000.00 ZZ 360 361,724.55 1 7.375 2,500.24 61 7.125 2,500.24 SAN ANSELMO CA 94960 2 04/24/01 00 0432793636 05 06/01/01 0 120074 O 05/01/31 0 4642566 893/G01 F 399,999.00 ZZ 360 399,999.00 1 7.250 2,728.70 75 7.000 2,728.70 OAKLAND CA 94611 5 05/01/01 00 0432787042 05 07/01/01 0 10412031 O 06/01/31 0 4642622 168/168 F 300,000.00 ZZ 360 299,376.55 1 7.875 2,175.21 72 7.625 2,175.21 PEARL RIVER NY 10965 1 02/16/01 00 0189705884 05 04/01/01 0 0189705884 O 03/01/31 0 4642734 964/G01 F 550,000.00 ZZ 360 549,549.17 1 7.000 3,659.16 63 6.750 3,659.16 DENVER CO 80209 1 04/26/01 00 0432801504 05 06/01/01 0 119208 O 05/01/31 0 4642822 U62/G01 F 385,000.00 ZZ 360 384,692.12 1 7.125 2,593.82 46 6.875 2,593.82 LA QUINTA CA 92253 5 04/20/01 00 0432801421 03 06/01/01 0 2001246348 O 05/01/31 0 4642918 964/G01 F 650,000.00 ZZ 360 649,505.40 1 7.375 4,489.39 80 7.125 4,489.39 1 LAS VEGAS NV 89135 1 04/13/01 00 0432794501 03 06/01/01 0 119467 O 05/01/31 0 4642946 964/G01 F 502,150.00 ZZ 360 501,748.44 1 7.125 3,383.08 80 6.875 3,383.08 PORTLAND OR 97229 1 04/18/01 00 0432800654 03 06/01/01 0 108195 O 05/01/31 0 4643028 253/253 F 408,800.00 ZZ 360 408,800.00 1 7.375 2,823.49 80 7.125 2,823.49 GOLDEN CO 80403 1 05/10/01 00 968065 05 07/01/01 0 968065 O 06/01/31 0 4643068 168/168 F 504,000.00 ZZ 360 502,526.91 1 7.625 3,567.28 80 7.375 3,567.28 DOBBS FERRY NY 10522 1 01/16/01 00 0189555017 05 03/01/01 0 0189555017 O 02/01/31 0 4645626 B60/G01 F 360,000.00 ZZ 360 359,719.16 1 7.250 2,455.84 80 7.000 2,455.84 BUENA PARK CA 90621 2 04/10/01 00 0432833952 03 06/01/01 0 321230 O 05/01/31 0 4645860 964/G01 F 331,000.00 ZZ 360 330,741.79 1 7.250 2,258.00 67 7.000 2,258.00 ANTHEM AZ 85086 2 04/19/01 00 0432815611 05 06/01/01 0 119716 O 05/01/31 0 1 4646434 624/G01 F 360,000.00 ZZ 360 359,726.07 1 7.375 2,486.43 68 7.125 2,486.43 SANTA CRUZ CA 95060 5 04/20/01 00 0432786622 05 06/01/01 0 88615010336 O 05/01/31 0 4646438 964/G01 F 312,350.00 ZZ 360 312,112.33 1 7.375 2,157.32 85 7.125 2,157.32 AUBURN WA 98001 1 05/01/01 04 0432813731 03 06/01/01 12 114096 O 05/01/31 0 4646508 964/G01 F 320,000.00 ZZ 360 319,756.51 1 7.375 2,210.16 35 7.125 2,210.16 LARKSPUR CA 94939 5 04/27/01 00 0432794568 05 06/01/01 0 400118983 O 05/01/31 0 4646525 356/G01 F 493,700.00 ZZ 360 493,351.55 1 7.750 3,536.93 59 7.500 3,536.93 FREMONT CA 94539 5 04/19/01 00 0432853166 05 06/01/01 0 2866549 O 05/01/31 0 4646665 964/G01 F 360,000.00 ZZ 360 359,712.11 1 7.125 2,425.39 70 6.875 2,425.39 SUNNYVALE CA 94087 2 04/19/01 00 0432794089 05 06/01/01 0 400108424 O 05/01/31 0 4646692 964/G01 F 390,000.00 ZZ 360 390,000.00 1 1 7.375 2,693.63 75 7.125 2,693.63 SAN RAMON CA 94583 5 05/08/01 00 0432825636 09 07/01/01 0 430119155 O 06/01/31 0 4648137 W53/G01 F 200,000.00 ZZ 360 199,865.80 1 8.000 1,467.53 52 7.750 1,467.53 NEWTOWN CT 06470 5 04/20/01 00 0432853349 05 06/01/01 0 5200363500 O 05/01/31 0 4649446 B60/G01 F 360,000.00 ZZ 360 359,697.55 1 6.875 2,364.95 80 6.625 2,364.95 SAN DIEGO CA 92130 1 04/06/01 00 0432841302 09 06/01/01 0 322069 O 05/01/31 0 4649630 738/G01 F 541,600.00 ZZ 360 541,600.00 1 7.250 3,694.67 80 7.000 3,694.67 ATLANTA GA 30319 1 05/15/01 00 0432851418 03 07/01/01 0 5580451 O 06/01/31 0 4649729 964/G01 F 291,800.00 ZZ 360 291,800.00 1 7.375 2,015.39 95 7.125 2,015.39 LAS VEGAS NV 89128 1 05/10/01 10 0432862191 05 07/01/01 30 120943 O 06/01/31 0 4650490 964/G01 F 488,000.00 ZZ 360 488,000.00 1 7.375 3,370.49 80 7.125 3,370.49 PHOENIX AZ 85028 1 05/03/01 00 0432808111 05 07/01/01 0 1 118521 O 06/01/31 0 4650661 664/G01 F 86,500.00 ZZ 360 86,432.51 1 7.250 590.09 70 7.000 590.09 ADDISON IL 60101 2 04/19/01 00 0432825693 01 06/01/01 0 0008017410 O 05/01/31 0 4651309 964/G01 F 320,000.00 ZZ 360 320,000.00 1 7.500 2,237.49 80 7.250 2,237.49 PISMO BEACH CA 93449 2 05/25/01 00 0432852218 05 07/01/01 0 118077 O 06/01/31 0 4652110 N74/G01 F 61,750.00 ZZ 360 61,703.02 1 7.375 426.49 95 7.125 426.49 DALE TX 78616 1 04/23/01 10 0432816528 05 06/01/01 30 0028596010 O 05/01/31 0 4652290 168/168 F 460,800.00 ZZ 360 459,767.63 1 7.500 3,221.98 80 7.250 3,221.98 PIEDMONT CA 94610 1 02/26/01 00 0439619335 05 04/01/01 0 0439619335 O 03/01/31 0 4652390 944/G01 F 650,000.00 ZZ 360 649,505.40 1 7.375 4,489.39 55 7.125 4,489.39 BOULDER CO 80303 2 04/20/01 00 0432827996 05 06/01/01 0 W88006844 O 05/01/31 0 1 4653859 975/G01 F 399,000.00 ZZ 360 398,711.21 1 7.625 2,824.10 67 7.375 2,824.10 MONTEREY PARK CA 91754 1 04/20/01 00 0432813814 03 06/01/01 0 2002982 O 05/01/31 0 4654016 964/G01 F 309,300.00 ZZ 360 309,300.00 1 7.125 2,083.81 80 6.875 2,083.81 ANTIOCH CA 94509 1 05/04/01 00 0432850774 05 07/01/01 0 121199 O 06/01/31 0 4654210 964/G01 F 459,000.00 ZZ 360 459,000.00 1 7.625 3,248.77 62 7.375 3,248.77 DANVILLE CA 94526 2 05/10/01 00 0432819233 05 07/01/01 0 400120767 O 06/01/31 0 4654572 E22/G01 F 475,000.00 ZZ 360 474,629.45 1 7.250 3,240.34 63 7.000 3,240.34 GEYSERVILLE CA 95441 5 04/06/01 00 0412504433 05 06/01/01 0 0412504433 O 05/01/31 0 4654980 168/168 F 276,000.00 ZZ 360 274,898.26 1 8.125 2,049.29 71 7.875 2,049.29 SAN JOSE CA 95118 2 11/07/00 00 0439568889 05 01/01/01 0 0439568889 O 12/01/30 0 4655444 L94/G01 F 427,200.00 ZZ 360 426,882.96 1 7.500 2,987.04 80 7.250 2,987.04 1 PARK CITY UT 84098 1 05/23/01 00 0432842730 05 06/01/01 0 1000002840 O 05/01/31 0 4656205 931/G01 F 290,600.00 ZZ 360 290,378.88 1 7.375 2,007.10 69 7.125 2,007.10 FAIRFIELD CT 06430 5 04/25/01 00 0432819555 05 06/01/01 0 38891948 O 05/01/31 0 4656495 964/G01 F 293,550.00 ZZ 360 293,326.63 1 7.375 2,027.48 95 7.125 2,027.48 PORTLAND OR 97236 1 04/25/01 11 0432816809 03 06/01/01 30 119720 O 05/01/31 0 4657701 964/G01 F 322,000.00 ZZ 360 322,000.00 1 7.500 2,251.47 79 7.250 2,251.47 NAPA CA 94558 2 05/09/01 00 0432819993 05 07/01/01 0 121267 O 06/01/31 0 4658306 E85/G01 F 448,000.00 ZZ 360 447,298.93 1 7.250 3,056.15 50 7.000 3,056.15 FAIRFAX CA 94930 1 03/13/01 00 0432764249 03 05/01/01 0 9609569 O 04/01/31 0 4658369 964/G01 F 436,000.00 ZZ 360 436,000.00 1 7.250 2,974.29 79 7.000 2,974.29 BERKELEY CA 94708 1 04/27/01 00 0432790525 05 07/01/01 0 109528 O 06/01/31 0 1 4658739 964/G01 F 364,000.00 ZZ 360 363,723.02 1 7.375 2,514.06 80 7.125 2,514.06 SAN BRUNO CA 94066 1 04/24/01 00 0432808137 05 06/01/01 0 91019 O 05/01/31 0 4658919 757/G01 F 309,900.00 ZZ 360 309,900.00 1 7.125 2,087.86 79 6.875 2,087.86 HOOKSETT NH 03106 2 05/02/01 00 0432838548 05 07/01/01 0 12053503 O 06/01/31 0 4659159 168/168 F 550,000.00 ZZ 360 548,176.62 1 8.125 4,083.73 67 7.875 4,083.73 BELMONT CA 94002 5 01/08/01 00 0439586330 05 03/01/01 0 0439586330 O 02/01/31 0 4659249 964/G01 F 384,000.00 ZZ 360 384,000.00 1 7.125 2,587.08 80 6.875 2,587.08 DALY CITY CA 94015 1 05/01/01 00 0432817203 05 07/01/01 0 400120865 O 06/01/31 0 4659279 683/G01 F 301,800.00 ZZ 360 301,387.00 1 7.750 2,162.13 80 7.500 2,162.13 HOLLIS NH 03049 1 04/30/01 00 0432853612 05 06/01/01 0 19103 O 05/01/31 0 4659330 E85/G01 F 550,000.00 ZZ 360 549,073.21 1 1 6.875 3,613.11 35 6.625 3,613.11 SAN FRANCISCO CA 94127 5 03/23/01 00 0432852028 05 05/01/01 0 9609477 O 04/01/31 0 4659541 E11/G01 F 640,000.00 ZZ 240 638,808.26 1 7.250 5,058.41 51 7.000 5,058.41 MEDINA MN 55356 2 04/25/01 00 0432773265 05 06/01/01 0 0003001030375 O 05/01/21 0 4659575 964/G01 F 385,000.00 ZZ 360 384,699.66 1 7.250 2,626.38 39 7.000 2,626.38 MILL VALLEY CA 94941 2 04/18/01 00 0432788040 05 06/01/01 0 400116391 O 05/01/31 0 4659710 696/G01 F 367,000.00 ZZ 360 366,687.28 1 7.250 2,503.59 64 7.000 2,503.59 ROCKVILLE MD 20850 2 04/11/01 00 0432720035 03 06/01/01 0 32701096 O 05/01/31 0 4659711 696/G01 F 456,000.00 ZZ 360 455,653.02 1 7.375 3,149.48 80 7.125 3,149.48 WASHINGTON DC 20008 1 04/11/01 00 0432720399 08 06/01/01 0 10001020 O 05/01/31 0 4660273 286/286 F 480,000.00 ZZ 360 479,210.78 1 7.000 3,193.46 80 6.750 3,193.46 LINWOOD NJ 08221 1 03/15/01 00 292740 05 05/01/01 0 1 292740 O 04/01/31 0 4660299 286/286 F 397,500.00 ZZ 360 396,877.93 1 7.250 2,711.66 52 7.000 2,711.66 PLEASANT HILL CA 94523 2 03/20/01 00 293768 05 05/01/01 0 293768 O 04/01/31 0 4660363 286/286 F 323,000.00 ZZ 360 322,506.93 1 7.375 2,230.88 44 7.125 2,230.88 POWELL OH 43065 2 03/16/01 00 232284 05 05/01/01 0 232284 O 04/01/31 0 4660457 286/286 F 435,000.00 ZZ 360 434,335.96 1 7.375 3,004.44 45 7.125 3,004.44 SAN JOSE CA 95124 1 03/13/01 00 9820690 05 05/01/01 0 9820690 O 04/01/31 0 4660479 286/286 F 533,000.00 ZZ 360 532,165.91 1 7.250 3,636.00 72 7.000 3,636.00 MILLBRAE CA 94030 2 03/08/01 00 9815419 05 05/01/01 0 9815419 O 04/01/31 0 4660496 286/286 F 400,000.00 T 360 399,404.42 1 7.500 2,796.86 36 7.250 2,796.86 SANTA BARBARA CA 93108 2 03/12/01 00 9804712 05 05/01/01 0 9804712 O 04/01/31 0 1 4660537 286/286 F 285,000.00 ZZ 360 284,564.95 1 7.375 1,968.42 64 7.125 1,968.42 SAN JOSE CA 95002 2 03/13/01 00 9811808 05 05/01/01 0 9811808 O 04/01/31 0 4660550 286/286 F 376,000.00 ZZ 360 375,426.02 1 7.375 2,596.94 80 7.125 2,596.94 CAMPBELL CA 95008 1 03/15/01 00 9817520 05 05/01/01 0 9817520 O 04/01/31 0 4660553 286/286 F 420,000.00 ZZ 360 419,405.23 1 7.750 3,008.93 50 7.500 3,008.93 PALO ALTO CA 94301 2 03/09/01 00 9803684 01 05/01/01 0 9803684 O 04/01/31 0 4661134 964/G01 F 382,000.00 ZZ 360 381,716.50 1 7.500 2,671.00 75 7.250 2,671.00 SAN RAFAEL CA 94903 5 04/24/01 00 0432799963 05 06/01/01 0 400119607 O 05/01/31 0 4661171 470/G01 F 329,000.00 ZZ 360 328,743.35 1 7.250 2,244.36 74 7.000 2,244.36 PETALUMA CA 94954 2 04/27/01 00 0432835650 05 06/01/01 0 56002590 O 05/01/31 0 4661803 B60/G01 F 330,000.00 ZZ 360 329,742.57 1 7.250 2,251.18 77 7.000 2,251.18 1 UPLAND CA 91784 2 04/10/01 00 0432863819 05 06/01/01 0 324508 O 05/01/31 0 4664818 N74/G01 F 64,800.00 ZZ 360 64,753.10 1 7.625 458.65 80 7.375 458.65 WINSTON SALEM NC 27107 2 04/24/01 00 0432785327 05 06/01/01 0 0028625010 O 05/01/31 0 4665782 964/G01 F 375,000.00 ZZ 360 374,700.12 1 7.125 2,526.44 58 6.875 2,526.44 SANTA CRUZ CA 95060 5 04/26/01 00 0432795581 05 06/01/01 0 400120555 O 05/01/31 0 4665838 253/253 F 390,000.00 ZZ 360 389,703.23 1 7.375 2,693.64 64 7.125 2,693.64 BOULDER CO 80303 2 05/01/01 00 966948 05 06/01/01 0 966948 O 05/01/31 0 4665962 B60/G01 F 325,000.00 ZZ 360 324,726.96 1 6.875 2,135.02 72 6.625 2,135.02 SAN RAFAEL CA 94901 5 04/16/01 00 0432836500 05 06/01/01 0 324622 O 05/01/31 0 4666516 696/G01 F 650,000.00 ZZ 360 650,000.00 1 7.000 4,324.47 79 6.750 4,324.47 BETHESDA MD 20817 1 05/11/01 00 0432815199 05 07/01/01 0 31201215 O 06/01/31 0 1 4667294 B65/G01 F 447,000.00 ZZ 360 446,659.87 1 7.375 3,087.32 80 7.125 3,087.32 DELAWARE OH 43015 2 04/13/01 00 0432759124 05 06/01/01 0 0451676 O 05/01/31 0 4667671 286/286 F 340,000.00 ZZ 360 339,467.93 1 7.250 2,319.40 40 7.000 2,319.40 BETHESDA MD 20816 1 03/29/01 00 229326 05 05/01/01 0 229326 O 04/01/31 0 4667731 286/286 F 436,500.00 T 360 435,866.14 1 7.625 3,089.52 54 7.375 3,089.52 GIBSON ISLAND MD 21056 2 03/29/01 00 9636194 03 05/01/01 0 9636194 O 04/01/31 0 4667756 286/286 F 350,000.00 ZZ 360 348,958.92 1 7.250 2,387.62 56 7.000 2,387.62 ROCHESTER HILLS MI 48309 1 03/26/01 00 275765 05 05/01/01 0 275765 O 04/01/31 0 4667821 286/286 F 430,000.00 ZZ 360 429,310.23 1 7.125 2,896.99 58 6.875 2,896.99 OAKLAND CA 94618 2 03/15/01 00 9804838 05 05/01/01 0 9804838 O 04/01/31 0 4667832 286/286 F 395,000.00 ZZ 360 394,350.57 1 1 7.000 2,627.94 68 6.750 2,627.94 PLEASANTON CA 94566 1 03/19/01 00 9955682 05 05/01/01 0 9955682 O 04/01/31 0 4667938 286/286 F 338,400.00 ZZ 360 335,834.37 1 8.000 2,483.06 80 7.750 2,483.06 SPRING VALLEY CA 91977 2 03/13/01 00 9819783 05 05/01/01 0 9819783 O 04/01/31 0 4668271 A48/G01 F 307,000.00 ZZ 360 306,760.51 1 7.250 2,094.28 69 7.000 2,094.28 SOUTH SAN FRANC CA 94080 2 04/24/01 00 0432785301 05 06/01/01 0 8511014742 O 05/01/31 0 4669302 562/562 F 339,504.71 T 240 338,919.30 2 7.875 2,813.41 66 7.625 2,813.41 LONG BEACH TWP NJ 08008 1 04/15/01 00 991187503 05 06/01/01 0 991187503 O 05/01/21 0 4669643 696/G01 F 391,000.00 ZZ 360 390,679.50 1 7.000 2,601.33 61 6.750 2,601.33 ROCKVILLE MD 20850 2 04/11/01 00 0432725406 03 06/01/01 0 10101056 O 05/01/31 0 4669797 369/G01 F 315,200.00 ZZ 360 314,966.08 1 7.500 2,203.92 76 7.250 2,203.92 SCOTTSDALE AZ 85259 2 04/25/01 00 0432842169 03 06/01/01 0 1 0072835291 O 05/01/31 0 4670195 E87/G01 F 399,900.00 ZZ 360 399,900.00 1 7.375 2,762.01 59 7.125 2,762.01 GOLETA CA 93117 1 05/01/01 00 0432814143 03 07/01/01 0 700002432 O 06/01/31 0 4670259 B60/G01 F 292,600.00 ZZ 360 292,377.35 1 7.375 2,020.92 95 7.125 2,020.92 RANCHO SANTA MA CA 92688 1 04/16/01 01 0432827939 03 06/01/01 30 321655 O 05/01/31 0 4670325 B60/G01 F 350,000.00 ZZ 360 349,726.96 1 7.250 2,387.62 65 7.000 2,387.62 SANTA CLARA CA 95054 2 03/29/01 00 0432812832 05 06/01/01 0 323453 O 05/01/31 0 4670468 B60/G01 F 437,000.00 ZZ 360 436,667.48 1 7.375 3,018.25 80 7.125 3,018.25 YORBA LINDA CA 92886 2 04/23/01 00 0432828069 03 06/01/01 0 307792 O 05/01/31 0 4670493 356/G01 F 428,000.00 ZZ 360 428,000.00 1 7.750 3,066.25 35 7.500 3,066.25 SAN MATEO CA 94402 5 04/30/01 00 0432824852 05 07/01/01 0 2852747 O 06/01/31 0 1 4670526 964/G01 F 335,000.00 ZZ 360 335,000.00 1 7.875 2,428.98 33 7.625 2,428.98 OCCIDENTAL CA 95465 2 05/02/01 00 0432824670 05 07/01/01 0 400120115 O 06/01/31 0 4670628 964/G01 F 362,000.00 ZZ 360 361,717.60 1 7.250 2,469.48 47 7.000 2,469.48 REDWOOD CITY CA 94061 5 04/27/01 00 0432799872 05 06/01/01 0 400118831 O 05/01/31 0 4671582 369/G01 F 299,200.00 ZZ 360 298,954.74 1 7.000 1,990.59 79 6.750 1,990.59 WETHERSFIELD CT 06109 2 04/26/01 00 0432853646 05 06/01/01 0 15401440 O 05/01/31 0 4672277 E23/G01 F 346,900.00 ZZ 360 346,648.92 1 7.625 2,455.34 65 7.375 2,455.34 SAN CLEMENTE CA 92672 2 04/20/01 00 0432817773 03 06/01/01 0 51003986 O 05/01/31 0 4672278 A06/G01 F 613,500.00 ZZ 360 612,997.12 1 7.000 4,081.63 77 6.750 4,081.63 BRIGHTON MI 48116 2 04/04/01 00 0432853430 05 06/01/01 0 STECEWICZ O 05/01/31 0 4673839 K81/G01 F 330,000.00 ZZ 360 329,748.89 1 7.375 2,279.23 66 7.125 2,279.23 1 SUMMERLAND KEY FL 33042 1 04/25/01 00 0432859411 05 06/01/01 0 70003439 O 05/01/31 0 4674768 B60/G01 F 315,000.00 ZZ 360 314,760.31 1 7.375 2,175.63 66 7.125 2,175.63 COSTA MESA CA 92627 5 04/11/01 00 0432828036 05 06/01/01 0 313877 O 05/01/31 0 4674772 B60/G01 F 340,000.00 ZZ 360 339,741.28 1 7.375 2,348.30 73 7.125 2,348.30 LONG BEACH CA 90807 5 03/27/01 00 0432825271 05 06/01/01 0 319581 O 05/01/31 0 4675077 477/G01 F 310,000.00 ZZ 360 309,745.89 1 7.000 2,062.44 78 6.750 2,062.44 CHATSWORTH AREA CA 91311 2 04/24/01 00 0432852820 05 06/01/01 0 109473 O 05/01/31 0 4675474 168/168 F 383,200.00 ZZ 360 381,929.59 1 8.125 2,845.25 80 7.875 2,845.25 FOSTER CITY CA 94404 1 12/06/00 00 0439544874 01 02/01/01 0 0439544874 O 01/01/31 0 4677198 964/G01 F 347,900.00 ZZ 360 347,900.00 1 7.625 2,462.42 70 7.375 2,462.42 ALAMEDA CA 94502 1 05/04/01 00 0432815694 03 07/01/01 0 400120567 O 06/01/31 0 1 4677729 B60/G01 F 482,000.00 ZZ 360 481,585.01 1 6.750 3,126.24 70 6.500 3,126.24 SAN CARLOS CA 94070 5 04/10/01 00 0432812964 05 06/01/01 0 324704 O 05/01/31 0 4677800 253/253 F 336,000.00 ZZ 360 335,737.89 1 7.250 2,292.11 80 7.000 2,292.11 OCEANSIDE CA 92056 2 04/26/01 00 967104 05 06/01/01 0 967104 O 05/01/31 0 4677821 700/G01 F 316,000.00 ZZ 360 315,759.55 1 7.375 2,182.53 80 7.125 2,182.53 BOULDER CREEK CA 95006 1 04/26/01 00 0432794451 05 06/01/01 0 0000162243 O 05/01/31 0 4678206 E87/G01 F 337,500.00 ZZ 360 337,500.00 1 7.250 2,302.34 75 7.000 2,302.34 CAMBRIA CA 93428 5 05/01/01 00 0432811461 05 07/01/01 0 70003446 O 06/01/31 0 4678296 964/G01 F 326,000.00 ZZ 360 325,739.31 1 7.125 2,196.32 76 6.875 2,196.32 FOUNTAIN VALLEY CA 92708 2 04/20/01 00 0432790343 05 06/01/01 0 110104 O 05/01/31 0 4678329 B60/G01 F 300,000.00 ZZ 360 299,771.72 1 1 7.375 2,072.03 80 7.125 2,072.03 CERRITOS CA 90703 2 04/13/01 00 0432828002 05 06/01/01 0 325112 O 05/01/31 0 4678665 B60/G01 F 440,000.00 ZZ 360 439,656.75 1 7.250 3,001.58 70 7.000 3,001.58 SAN FRANCISCO CA 94131 5 04/23/01 00 0432827822 05 06/01/01 0 325088 O 05/01/31 0 4681226 964/G01 F 350,000.00 ZZ 360 349,746.68 1 7.625 2,477.28 51 7.375 2,477.28 EL DORADO HILLS CA 95762 1 04/26/01 00 0432789386 05 06/01/01 0 120710 O 05/01/31 0 4681745 964/G01 F 348,000.00 ZZ 360 347,728.53 1 7.250 2,373.97 80 7.000 2,373.97 YORBA LINDA CA 92887 1 04/24/01 00 0432797769 05 06/01/01 0 118298 O 05/01/31 0 4682169 964/G01 F 390,000.00 ZZ 360 389,672.36 1 6.875 2,562.02 47 6.625 2,562.02 NEWPORT BEACH CA 92660 1 04/25/01 00 0432800126 03 06/01/01 0 112549 O 05/01/31 0 4682211 893/G01 F 390,000.00 ZZ 360 390,000.00 1 7.375 2,693.63 60 7.125 2,693.63 FOSTER CITY CA 94404 5 05/01/01 00 0432829539 05 07/01/01 0 1 H10403011 O 06/01/31 0 4683844 003/G01 F 388,750.00 ZZ 360 388,185.48 1 7.625 2,751.55 80 7.375 2,751.55 KENNESAW GA 30152 1 03/29/01 00 0432845907 05 05/01/01 0 001935518 O 04/01/31 0 4684985 168/168 F 380,000.00 ZZ 360 379,127.20 1 7.375 2,624.57 80 7.125 2,624.57 NEWARK CA 94560 1 02/23/01 00 0439605172 05 04/01/01 0 0439605172 O 03/01/31 0 4685109 B60/G01 F 306,000.00 ZZ 360 305,755.30 1 7.125 2,061.58 88 6.875 2,061.58 SCOTTSDALE AZ 85254 2 04/18/01 01 0432791721 03 06/01/01 25 324475 O 05/01/31 0 4685644 356/G01 F 742,500.00 ZZ 360 742,500.00 1 7.375 5,128.27 55 7.125 5,128.27 CARMEL CA 93923 5 04/27/01 00 0432838381 05 07/01/01 0 2714 O 06/01/31 0 4685705 477/G01 F 316,000.00 ZZ 360 315,753.49 1 7.250 2,155.68 70 7.000 2,155.68 ANAHEIM CA 92808 2 04/24/01 00 0432852572 03 06/01/01 0 109496 O 05/01/31 0 1 4685756 B60/G01 F 294,000.00 ZZ 360 293,776.28 1 7.375 2,030.59 80 7.125 2,030.59 SIMI VALLEY CA 93063 2 04/09/01 00 0432836252 05 06/01/01 0 325530 O 05/01/31 0 4685978 964/G01 F 338,400.00 ZZ 360 338,142.51 1 7.375 2,337.24 80 7.125 2,337.24 PLEASANTON CA 94588 1 04/27/01 00 0432863934 05 06/01/01 0 95168 O 05/01/31 0 4686206 B60/G01 F 420,000.00 ZZ 360 419,672.36 1 7.250 2,865.14 62 7.000 2,865.14 MANHATTAN BEACH CA 90266 5 04/22/01 00 0432827905 05 06/01/01 0 327388 O 05/01/31 0 4686235 B60/G01 F 360,000.00 ZZ 360 359,732.83 1 7.500 2,517.17 79 7.250 2,517.17 LA MESA CA 91941 2 04/17/01 00 0432822443 05 06/01/01 0 323319 O 05/01/31 0 4686386 E22/G01 F 129,000.00 ZZ 360 128,896.84 1 7.125 869.10 47 6.875 869.10 EVERGREEN CO 80439 2 04/18/01 00 0412513681 05 06/01/01 0 0412513681 O 05/01/31 0 4686396 E22/G01 F 650,000.00 ZZ 360 649,505.40 1 7.375 4,489.39 70 7.125 4,489.39 1 WEST BLOOMFIELD MI 48322 2 04/18/01 00 0412521148 05 06/01/01 0 0412521148 O 05/01/31 0 4686397 E22/G01 F 533,000.00 ZZ 360 532,584.21 1 7.250 3,636.00 54 7.000 3,636.00 WEST BLOOMFIELD MI 48323 2 04/18/01 00 0412521197 05 06/01/01 0 0412521197 O 05/01/31 0 4686507 714/G01 F 330,000.00 ZZ 360 329,748.89 1 7.375 2,279.23 43 7.125 2,279.23 MEQUON WI 53092 2 04/11/01 00 0432752608 05 06/01/01 0 1 O 05/01/31 0 4687586 E76/G01 F 610,000.00 T 360 610,000.00 1 7.125 4,109.68 48 6.875 4,109.68 KEYSTONE CO 80435 2 05/08/01 00 0432832228 05 07/01/01 0 10004728 O 06/01/31 0 4688221 E85/G01 F 648,000.00 ZZ 360 647,082.35 1 7.750 4,642.35 57 7.500 4,642.35 TIBURON CA 94920 2 03/28/01 00 0432749307 05 05/01/01 0 9609485 O 04/01/31 0 4688465 B60/G01 F 360,000.00 ZZ 360 359,690.05 1 6.750 2,334.95 75 6.500 2,334.95 HUNTINGTON BEAC CA 92647 5 04/23/01 00 0432822500 05 06/01/01 0 317639 O 05/01/31 0 1 4688554 B60/G01 F 311,200.00 ZZ 360 310,951.14 1 7.125 2,096.61 80 6.875 2,096.61 VIRGINIA BEACH VA 23454 1 04/26/01 00 0432824308 05 06/01/01 0 320713 O 05/01/31 0 4688889 H19/G01 F 275,000.00 ZZ 360 274,820.11 1 8.125 2,041.87 75 7.875 2,041.87 CLIFFSIDE PARK NJ 07010 1 05/02/01 00 0432831220 05 06/01/01 0 0002236917 O 05/01/31 0 4689455 163/163 F 343,200.00 ZZ 360 342,713.98 1 7.750 2,458.73 80 7.500 2,458.73 NORTH WALES PA 19454 1 03/30/01 00 24243 05 05/01/01 0 24243 O 04/01/31 0 4689475 757/G01 F 355,000.00 ZZ 360 354,716.10 1 7.125 2,391.71 74 6.875 2,391.71 DECATUR GA 30030 1 05/01/01 00 0432816767 05 06/01/01 0 1000234292 O 05/01/31 0 4689628 A06/G01 F 456,000.00 ZZ 360 455,669.96 1 7.625 3,227.54 71 7.375 3,227.54 BEVERLY HILLS MI 48025 5 04/30/01 00 0432830164 05 06/01/01 0 CALERO O 05/01/31 0 4690080 A06/G01 F 339,000.00 ZZ 360 338,728.90 1 1 7.125 2,283.91 80 6.875 2,283.91 FARMINGTON HILL MI 48336 1 04/13/01 00 0432827897 01 06/01/01 0 021000020109685 O 05/01/31 0 4690760 E82/G01 F 864,800.00 ZZ 360 864,158.19 1 7.500 6,046.81 71 7.250 6,046.81 LAFAYETTE CA 94549 2 04/16/01 00 0400403531 05 06/01/01 0 0400403531 O 05/01/31 0 4691053 163/163 F 328,500.00 ZZ 360 328,046.36 1 7.875 2,381.86 90 7.625 2,381.86 COMMERCE TWP MI 48382 2 03/05/01 10 402289896 29 05/01/01 25 402289896 O 04/01/31 0 4691079 665/G01 F 345,000.00 ZZ 360 345,000.00 1 7.500 2,412.29 80 7.250 2,412.29 DUBLIN CA 94568 1 05/10/01 00 0432824910 05 07/01/01 0 88101632 O 06/01/31 0 4691137 B60/G01 F 316,500.00 ZZ 360 316,227.50 1 6.750 2,052.81 79 6.500 2,052.81 BLACKLICK OH 43004 2 04/13/01 00 0432823664 05 06/01/01 0 323139 O 05/01/31 0 4691947 964/G01 F 350,000.00 ZZ 360 350,000.00 1 7.500 2,447.25 48 7.250 2,447.25 SCOTTS VALLEY CA 95066 5 05/04/01 00 0432809515 05 07/01/01 0 1 400121276 O 06/01/31 0 4692594 K31/G01 F 358,900.00 ZZ 360 358,626.91 1 7.375 2,478.83 75 7.125 2,478.83 ALPHARETTA GA 30004 1 04/30/01 00 0432853000 03 06/01/01 0 GILLIAM O 05/01/31 0 4692598 964/G01 F 310,000.00 ZZ 360 310,000.00 1 7.625 2,194.16 79 7.375 2,194.16 BERKELEY CA 94702 2 05/02/01 00 0432808285 05 07/01/01 0 400117304 O 06/01/31 0 4692632 964/G01 F 512,000.00 ZZ 360 512,000.00 1 7.500 3,579.98 80 7.250 3,579.98 SAN FRANCISCO CA 94131 1 05/01/01 00 0432816783 05 07/01/01 0 400121201 O 06/01/31 0 4692770 B60/G01 F 450,000.00 ZZ 360 449,657.58 1 7.375 3,108.04 90 7.125 3,108.04 CHICAGO IL 60614 1 04/30/01 01 0432824282 07 06/01/01 25 326018 O 05/01/31 0 4693589 964/G01 F 348,750.00 ZZ 360 348,750.00 1 7.500 2,438.51 75 7.250 2,438.51 FAIRFAX CA 94930 5 05/16/01 00 0432828408 05 07/01/01 0 400109812 O 06/01/31 0 1 4693823 B60/G01 F 340,000.00 ZZ 360 339,721.30 1 7.000 2,262.03 80 6.750 2,262.03 THOUSAND OAKS CA 91320 2 04/24/01 00 0432856631 05 06/01/01 0 327229 O 05/01/31 0 4693993 624/G01 F 350,200.00 ZZ 360 349,926.81 1 7.250 2,388.98 78 7.000 2,388.98 PLACERVILLE CA 95667 2 04/25/01 00 0432811388 03 06/01/01 0 85603710153F O 05/01/31 0 4694309 A21/G01 F 380,000.00 ZZ 360 380,000.00 1 7.000 2,528.15 80 6.750 2,528.15 PARSIPPANY NJ 07054 1 05/10/01 00 0432853471 05 07/01/01 0 0100117709 O 06/01/31 0 4694520 E22/G01 F 399,950.00 ZZ 360 399,645.67 1 7.375 2,762.36 64 7.125 2,762.36 EAST PALO ALTO CA 94303 1 04/17/01 00 0412554909 03 06/01/01 0 0412554909 O 05/01/31 0 4695124 U43/G01 F 649,600.00 ZZ 360 649,105.70 1 7.375 4,486.63 80 7.125 4,486.63 LONE TREE CO 80124 1 04/18/01 00 0432859064 03 06/01/01 0 123647 O 05/01/31 0 4695844 964/G01 F 420,000.00 ZZ 360 420,000.00 1 7.500 2,936.70 80 7.250 2,936.70 1 BERKELEY CA 94707 1 05/01/01 00 0432815835 05 07/01/01 0 400121565 O 06/01/31 0 4696206 163/163 F 371,000.00 ZZ 360 370,349.88 1 7.250 2,530.87 69 7.000 2,530.87 SALINAS CA 93907 2 03/23/01 00 718013435 05 05/01/01 0 718013435 O 04/01/31 0 4696221 253/253 F 423,500.00 ZZ 360 423,185.70 1 7.500 2,961.18 70 7.250 2,961.18 SANTA FE NM 87501 4 04/05/01 00 952673 05 06/01/01 0 952673 O 05/01/31 0 4696423 B60/G01 F 374,400.00 ZZ 360 374,107.93 1 7.250 2,554.07 90 7.000 2,554.07 IRVINE CA 92614 2 04/16/01 01 0432798841 03 06/01/01 25 324130 O 05/01/31 0 4696447 N47/G01 F 364,000.00 ZZ 360 363,761.89 1 8.125 2,702.69 80 7.875 2,702.69 SAN DIEGO CA 92129 2 04/08/01 00 0432782035 05 06/01/01 0 30110348 O 05/01/31 0 4697384 964/G01 F 317,000.00 ZZ 360 317,000.00 1 7.375 2,189.44 78 7.125 2,189.44 SCOTTSDALE AZ 85259 2 05/03/01 00 0432823334 03 07/01/01 0 121361 O 06/01/31 0 1 4697556 624/G01 F 294,000.00 ZZ 360 294,000.00 1 7.375 2,030.58 80 7.125 2,030.58 WATSONVILLE CA 95076 2 05/01/01 00 0432815942 05 07/01/01 0 46000910196F O 06/01/31 0 4697645 163/163 F 330,000.00 T 360 327,272.56 1 7.625 2,335.72 53 7.375 2,335.72 BIG SKY MT 59716 4 02/23/01 00 80390178 05 04/01/01 0 80390178 O 03/01/31 0 4698058 E30/G01 F 311,500.00 ZZ 360 311,268.83 1 7.500 2,178.05 58 7.250 2,178.05 LAGUNA NIGUEL CA 92677 5 04/26/01 00 0432829042 03 06/01/01 0 1010462RE O 05/01/31 0 4698221 163/163 F 625,000.00 ZZ 360 623,599.73 1 7.500 4,370.10 37 7.250 4,370.10 BERNARDSVILLE NJ 07924 2 02/22/01 00 1000209806 05 04/01/01 0 1000209806 O 03/01/31 0 4698665 163/163 F 636,000.00 ZZ 360 635,029.13 1 7.375 4,392.70 80 7.125 4,392.70 CORTLANDT MANOR NY 10567 1 03/29/01 00 0019999990136 05 05/01/01 0 0019999990136 O 04/01/31 0 4698870 K39/G01 F 410,000.00 ZZ 360 409,695.72 1 1 7.500 2,866.78 71 7.250 2,866.78 CAMARILLO CA 93010 2 04/30/01 00 0432827541 05 06/04/01 0 553604700 O 05/04/31 0 4699081 550/550 F 388,500.00 ZZ 360 388,178.39 1 6.950 2,571.67 70 6.700 2,571.67 BERKELEY CA 94703 1 04/03/01 00 120522193 05 06/01/01 0 120522193 O 05/01/31 0 4699236 A52/G01 F 319,800.00 ZZ 360 319,800.00 1 7.375 2,208.78 80 7.125 2,208.78 ATLANTA GA 30319 1 05/04/01 00 0432823979 03 07/01/01 0 14920 O 06/01/31 0 4699988 964/G01 F 425,000.00 ZZ 360 425,000.00 1 7.375 2,935.37 43 7.125 2,935.37 FOSTER CITY CA 94404 2 05/09/01 00 0432809655 03 07/01/01 0 400120570 O 06/01/31 0 4700246 B60/G01 F 312,000.00 ZZ 360 311,737.88 1 6.875 2,049.62 75 6.625 2,049.62 MARTINEZ CA 94553 5 04/04/01 00 0432827806 05 06/01/01 0 316241 O 05/01/31 0 4700543 H58/G01 F 389,500.00 ZZ 360 389,210.94 1 7.500 2,723.44 63 7.250 2,723.44 ORINDA CA 94563 5 04/30/01 00 0432829463 05 06/01/01 0 1 0000066384 O 05/01/31 0 4700628 964/G01 F 417,000.00 ZZ 360 416,682.69 1 7.375 2,880.12 67 7.125 2,880.12 NOVATO CA 94949 2 04/24/01 00 0432799245 03 06/01/01 0 104695 O 05/01/31 0 4700863 356/G01 F 425,000.00 ZZ 360 425,000.00 1 7.750 3,044.76 44 7.500 3,044.76 BURLINGAME CA 94010 5 05/03/01 00 0432842227 05 07/01/01 0 2859866 O 06/01/31 0 4701539 H22/G01 F 216,000.00 ZZ 360 216,000.00 1 7.500 1,510.30 80 7.250 1,510.30 BELLEROSE NY 11426 1 05/15/01 00 0432841443 05 07/01/01 0 0103006 O 06/01/31 0 4701869 E22/G01 F 150,000.00 ZZ 360 149,882.99 1 7.250 1,023.26 68 7.000 1,023.26 HIGHLAND VILLAG TX 75067 5 04/06/01 00 0412514432 03 06/01/01 0 0412514432 O 05/01/31 0 4701878 E22/G01 F 168,000.00 ZZ 360 167,884.38 1 7.875 1,218.12 80 7.625 1,218.12 OLATHE KS 66062 2 04/20/01 00 0412529182 03 06/01/01 0 0412529182 O 05/01/31 0 1 4701880 E22/G01 F 516,900.00 ZZ 360 515,814.41 1 7.125 3,482.45 69 6.875 3,482.45 AUSTIN TX 78730 2 04/20/01 00 0412531733 03 06/01/01 0 0412531733 O 05/01/31 0 4701897 E22/G01 F 375,200.00 ZZ 360 374,914.51 1 7.375 2,591.41 80 7.125 2,591.41 SAN JOSE CA 95117 1 04/23/01 00 0412549446 05 06/01/01 0 0412549446 O 05/01/31 0 4701898 E22/G01 F 399,900.00 ZZ 360 399,580.21 1 7.125 2,694.20 48 6.875 2,694.20 PORTOLA VALLEY CA 94028 5 04/16/01 00 0412550733 05 06/01/01 0 0412550733 O 05/01/31 0 4701902 E22/G01 F 420,000.00 ZZ 360 419,655.73 1 7.000 2,794.27 75 6.750 2,794.27 HOUSTON TX 77006 4 04/24/01 00 0412553067 05 06/01/01 0 0412553067 O 05/01/31 0 4701927 E22/G01 F 455,900.00 ZZ 360 455,570.03 1 7.625 3,226.83 70 7.375 3,226.83 HORSESHOE BAY TX 78657 2 04/20/01 00 0412593808 03 06/01/01 0 0412593808 O 05/01/31 0 4702031 026/G01 F 345,000.00 T 360 344,730.87 1 7.250 2,353.51 29 7.000 2,353.51 1 KIAWAH ISLAND SC 29455 4 04/20/01 00 0432752673 03 06/01/01 0 0201064154 O 05/01/31 0 4702216 144/144 F 169,500.00 ZZ 360 169,500.00 1 7.625 1,199.71 68 7.375 1,199.71 STANFORD NY 12514 2 05/03/01 00 160652768 05 07/01/01 0 160652768 O 06/01/31 0 4702246 209/209 F 416,250.00 ZZ 360 415,651.59 1 7.675 2,960.52 90 7.425 2,960.52 LEESBURG VA 20176 1 03/30/01 25 012100477 03 05/01/01 25 012100477 O 04/01/31 0 4702452 B60/G01 F 331,727.00 ZZ 360 331,441.38 1 6.750 2,151.58 79 6.500 2,151.58 SAN JOSE CA 95138 2 04/09/01 00 0432827970 05 06/01/01 0 323907 O 05/01/31 0 4703000 N47/G01 F 299,950.00 ZZ 360 299,710.13 1 7.125 2,020.82 75 6.875 2,020.82 GILROY CA 95020 1 04/16/01 00 0432782043 05 06/01/01 0 20110872 O 05/01/31 0 4703004 B60/G01 F 405,000.00 ZZ 360 404,699.43 1 7.500 2,831.82 79 7.250 2,831.82 DOVE CANYON (AR CA 92679 2 04/24/01 00 0432822583 03 06/01/01 0 323630 O 05/01/31 0 1 4703008 964/G01 F 400,000.00 ZZ 360 400,000.00 1 7.250 2,728.71 80 7.000 2,728.71 WOODLAND CA 95695 1 05/01/01 00 0432807873 05 07/01/01 0 119654 O 06/01/31 0 4703137 E82/G01 F 379,000.00 ZZ 360 378,704.34 1 7.250 2,585.45 57 7.000 2,585.45 SCOTTSDALE AZ 85255 2 04/19/01 00 0400408464 03 06/01/01 0 3861589 O 05/01/31 0 4703328 964/G01 F 315,000.00 ZZ 360 314,766.22 1 7.500 2,202.53 58 7.250 2,202.53 IRVINE CA 92618 2 04/27/01 00 0432802163 05 06/01/01 0 042701 O 05/01/31 0 4703361 E60/G01 F 434,000.00 ZZ 360 433,677.90 1 7.500 3,034.60 52 7.250 3,034.60 SAN LUIS OBISPO CA 93405 2 04/02/01 00 0432753036 03 06/01/01 0 513145 O 05/01/31 0 4703365 964/G01 F 375,000.00 ZZ 360 375,000.00 1 7.250 2,558.16 52 7.000 2,558.16 PETALUMA CA 94954 5 05/10/01 00 0432850923 05 07/01/01 0 400122961 O 06/01/31 0 4703539 B60/G01 F 502,600.00 ZZ 360 502,207.92 1 1 7.250 3,428.62 78 7.000 3,428.62 MONUMENT CO 80132 2 03/03/01 00 0432800910 05 06/01/01 0 315596 O 05/01/31 0 4703571 209/209 F 327,250.00 ZZ 360 326,543.98 1 7.800 2,355.78 83 7.550 2,355.78 LEESBURG VA 20175 2 03/02/01 01 012093276 05 05/01/01 12 012093276 O 04/01/31 0 4703690 696/G01 F 428,000.00 ZZ 360 427,674.33 1 7.375 2,956.09 80 7.125 2,956.09 BETHESDA MD 20816 2 05/04/01 00 0432815470 05 06/01/01 0 30201085 O 05/01/31 0 4704772 964/G01 F 381,700.00 ZZ 360 381,409.55 1 7.375 2,636.31 64 7.125 2,636.31 ENCINITAS CA 92024 2 04/18/01 00 0432795417 05 06/01/01 0 107912 O 05/01/31 0 4704798 G52/G01 F 388,000.00 ZZ 360 387,674.04 1 6.875 2,548.88 80 6.625 2,548.88 OLYMPIA WA 98512 2 04/04/01 00 0432830743 03 06/01/01 0 79501557 O 05/01/31 0 4704881 550/550 F 1,000,000.00 ZZ 360 999,196.35 1 7.100 6,720.32 59 6.850 6,720.32 OAKLAND CA 94611 2 04/18/01 00 120522367 05 06/01/01 0 1 120522367 O 05/01/31 0 4705065 964/G01 F 303,000.00 ZZ 360 303,000.00 1 7.500 2,118.62 69 7.250 2,118.62 BOULDER CREEK CA 95006 5 05/08/01 00 0432836765 05 07/01/01 0 122314 O 06/01/31 0 4705151 209/209 F 352,500.00 ZZ 360 352,030.17 1 8.050 2,598.82 89 7.755 2,598.82 LEESBURG VA 20175 2 03/26/01 10 012097848 03 05/01/01 25 012097848 O 04/01/31 0 4705334 209/209 F 462,600.00 ZZ 360 461,951.46 1 7.800 3,330.12 90 7.550 3,330.12 CLARKSVILLE MD 21029 1 03/30/01 14 016343750 03 05/01/01 25 016343750 O 04/01/31 0 4705382 964/G01 F 650,000.00 ZZ 360 650,000.00 1 7.125 4,379.17 30 6.875 4,379.17 SANTA MONICA CA 90402 2 05/02/01 00 0432809523 05 07/01/01 0 121725 O 06/01/31 0 4705468 926/926 F 333,750.00 ZZ 360 333,750.00 1 7.500 2,333.63 75 7.250 2,333.63 RIDGELAND SC 29936 5 05/04/01 00 163023199 05 07/01/01 0 163023199 O 06/01/31 0 1 4706321 964/G01 F 399,900.00 ZZ 360 399,900.00 1 7.375 2,762.01 74 7.125 2,762.01 SAN JOSE CA 95123 2 05/16/01 00 0432828424 05 07/01/01 0 122331 O 06/01/31 0 4707422 477/G01 F 695,000.00 ZZ 360 695,000.00 1 7.375 4,800.19 58 7.125 4,800.19 SAN JUAN CAPIST CA 92675 5 05/01/01 00 0432838118 05 07/01/01 0 109466 O 06/01/31 0 4707448 069/G01 F 412,000.00 ZZ 360 412,000.00 1 7.250 2,810.57 80 7.000 2,810.57 REDLANDS CA 92373 1 05/10/01 00 0432853950 05 07/01/01 0 22288129150 O 06/01/31 0 4708082 E22/G01 F 372,000.00 ZZ 360 371,730.76 1 7.625 2,632.99 80 7.375 2,632.99 MARTINEZ CA 94553 2 04/13/01 00 0412504748 05 06/01/01 0 0412504748 O 05/01/31 0 4708087 E22/G01 F 386,400.00 ZZ 360 386,098.57 1 7.250 2,635.93 80 7.000 2,635.93 FLOWER MOUND TX 75028 4 04/26/01 00 0412514978 03 06/01/01 0 0412514978 O 05/01/31 0 4708103 E22/G01 F 223,000.00 ZZ 360 222,834.50 1 7.500 1,559.25 69 7.250 1,559.25 1 FREMONT CA 94538 2 04/19/01 00 0412542995 01 06/01/01 0 0412542995 O 05/01/31 0 4708117 E22/G01 F 316,800.00 ZZ 360 316,540.32 1 7.000 2,107.68 80 6.750 2,107.68 AUBURN CA 95603 1 04/16/01 00 0412570053 05 06/01/01 0 0412570053 O 05/01/31 0 4708162 136/136 F 500,000.00 ZZ 360 500,000.00 1 7.250 3,410.89 65 7.000 3,410.89 RYE BROOK NY 10573 1 05/18/01 00 4630040 05 07/01/01 0 4630040 O 06/01/31 0 4708217 026/G01 F 380,500.00 ZZ 360 380,500.00 1 7.125 2,563.50 80 6.875 2,563.50 POWDER SPRINGS GA 30127 2 05/31/01 00 0432853422 05 07/01/01 0 0200849107 O 06/01/31 0 4708433 926/926 F 542,000.00 ZZ 360 542,000.00 1 7.625 3,836.25 64 7.375 3,836.25 HILTON HEAD ISL SC 29926 2 05/04/01 00 01048218 03 07/01/01 0 01048218 O 06/01/31 0 4709371 A19/G01 F 325,000.00 ZZ 360 325,000.00 1 7.000 2,162.23 64 6.750 2,162.23 NORTH READING MA 01864 1 05/15/01 00 0432852499 05 07/01/01 0 019997 O 06/01/31 0 1 4709934 E82/G01 F 329,600.00 ZZ 360 329,329.83 1 7.000 2,192.84 80 6.750 2,192.84 SAMMAMISH WA 98074 1 04/30/01 00 0400412144 03 06/01/01 0 0400412144 O 05/01/31 0 4709937 E82/G01 F 289,000.00 ZZ 360 288,774.55 1 7.250 1,971.49 54 7.000 1,971.49 BOLTON MA 01740 2 04/25/01 00 0400417283 05 06/01/01 0 0400417283 O 05/01/31 0 4709941 E82/G01 F 317,800.00 ZZ 360 317,558.18 1 7.375 2,194.97 80 7.125 2,194.97 BEN LOMOND CA 95005 2 04/24/01 00 0400420063 05 06/01/01 0 1951541 O 05/01/31 0 4709954 E82/G01 F 199,200.00 ZZ 360 199,052.16 1 7.500 1,392.84 80 7.250 1,392.84 SAN GABRIEL CA 91775 2 04/24/01 00 0400409058 05 06/01/01 0 0400409058 O 05/01/31 0 4710082 F26/G01 F 347,900.00 ZZ 360 347,666.56 1 8.000 2,552.77 80 7.750 2,552.77 SNOHOMISH WA 98296 1 04/23/01 00 0432779452 05 06/01/01 0 7142750302 O 05/01/31 0 4711437 R65/G01 F 348,000.00 ZZ 360 348,000.00 1 1 7.250 2,373.97 80 7.000 2,373.97 GAITHERSBURG MD 20882 2 05/21/01 00 0432849289 03 07/01/01 0 20012759 O 06/01/31 0 4711873 624/G01 F 257,500.00 ZZ 360 257,500.00 1 7.250 1,756.60 75 7.000 1,756.60 ROCKLIN CA 95877 1 05/03/01 00 0432802304 05 07/01/01 0 36800410113F O 06/01/31 0 4712306 964/G01 F 360,000.00 ZZ 360 360,000.00 1 7.375 2,486.43 40 7.125 2,486.43 NOVATO CA 94947 5 05/01/01 00 0432861524 03 07/01/01 0 40099845 O 06/01/31 0 4712576 964/G01 F 479,200.00 ZZ 360 479,200.00 1 7.625 3,391.75 80 7.375 3,391.75 SAN RAFAEL CA 94901 1 05/03/01 00 0432800787 05 07/01/01 0 122112 O 06/01/31 0 4713867 964/G01 F 301,500.00 ZZ 360 301,500.00 1 7.375 2,082.39 50 7.125 2,082.39 LAFAYETTE CA 94549 2 05/16/01 00 0432843969 05 07/01/01 0 400120574 O 06/01/31 0 4714008 964/G01 F 545,000.00 ZZ 360 545,000.00 1 7.250 3,717.86 50 7.000 3,717.86 LOS ANGELES CA 90049 2 05/09/01 00 0432818789 05 07/01/01 0 1 121711 O 06/01/31 0 4714487 964/G01 F 375,000.00 ZZ 360 375,000.00 1 7.250 2,558.16 64 7.000 2,558.16 BURBANK CA 91501 2 05/07/01 00 0432825206 05 07/01/01 0 122376 O 06/01/31 0 4714944 116/116 F 455,300.00 ZZ 360 455,300.00 1 7.250 3,105.95 86 7.000 3,105.95 HOUSTON TX 77005 2 05/02/01 12 091069629 05 07/01/01 25 091069629 O 06/01/31 0 4714963 964/G01 F 388,000.00 ZZ 360 388,000.00 1 7.125 2,614.03 80 6.875 2,614.03 CAYUCOS CA 93430 1 05/02/01 00 0432809762 05 07/01/01 0 118886 O 06/01/31 0 4715003 B60/G01 F 112,500.00 ZZ 360 112,500.00 1 8.000 825.49 75 7.750 825.49 ARIZONA CITY AZ 85223 1 05/01/01 00 0432822955 05 07/01/01 0 328899 O 06/01/31 0 4715012 624/G01 F 297,000.00 ZZ 360 296,762.50 1 7.125 2,000.94 38 6.875 2,000.94 SALT LAKE CITY UT 84124 5 04/24/01 00 0432786200 05 06/01/01 0 01510016F O 05/01/31 0 1 4715077 964/G01 F 351,200.00 ZZ 360 351,200.00 1 7.500 2,455.64 80 7.250 2,455.64 PALO ALTO CA 94306 1 05/21/01 00 0432842458 01 07/01/01 0 400113398 O 06/01/31 0 4715568 E22/G01 F 500,000.00 ZZ 360 499,600.16 1 7.125 3,368.59 59 6.875 3,368.59 DALLAS TX 75205 1 04/26/01 00 0412558785 05 06/01/01 0 0412558785 O 05/01/31 0 4715576 E22/G01 F 365,000.00 ZZ 360 364,722.27 1 7.375 2,520.96 60 7.125 2,520.96 LOS ANGELES CA 90068 5 04/19/01 00 0412563546 05 06/01/01 0 0412563546 O 05/01/31 0 4715607 E22/G01 F 250,000.00 ZZ 360 249,755.51 1 7.375 1,726.69 52 7.125 1,726.69 DALLAS TX 75287 1 04/25/01 00 0412585895 05 06/01/01 0 0412585895 O 05/01/31 0 4715614 E22/G01 F 60,000.00 ZZ 360 59,955.00 1 7.500 419.53 24 7.250 419.53 NAPLES FL 34120 1 04/27/01 00 0412591976 03 06/01/01 0 0412591976 O 05/01/31 0 4715632 E22/G01 F 319,200.00 ZZ 360 318,938.35 1 7.000 2,123.65 80 6.750 2,123.65 1 LITTLETON CO 80123 1 04/27/01 00 0412609588 03 06/01/01 0 0412609588 O 05/01/31 0 4716032 E82/G01 F 379,600.00 ZZ 360 379,311.16 1 7.375 2,621.80 80 7.125 2,621.80 IRVINE CA 92620 2 04/25/01 00 0400418828 03 06/01/01 0 3379510 O 05/01/31 0 4716862 964/G01 F 315,000.00 ZZ 360 315,000.00 1 7.125 2,122.21 79 6.875 2,122.21 CALABASAS CA 91301 2 05/02/01 00 0432825602 05 07/01/01 0 115733 O 06/01/31 0 4718267 208/G01 F 376,000.00 ZZ 360 376,000.00 1 7.125 2,533.18 80 6.875 2,533.18 SANTA FE NM 87505 1 05/03/01 00 0432830685 03 07/01/01 0 35056 O 06/01/31 0 4720381 757/G01 F 550,000.00 ZZ 360 550,000.00 1 7.375 3,798.72 76 7.125 3,798.72 BELMONT MA 02478 1 05/15/01 00 0432832467 05 07/01/01 0 2KOLTERMANJOHN O 06/01/31 0 4720684 E87/G01 F 540,000.00 ZZ 360 540,000.00 1 7.125 3,638.08 80 6.875 3,638.08 ALAMO CA 94507 1 05/10/01 00 0432824142 05 07/01/01 0 70003477 O 06/01/31 0 1 4721573 K89/G01 F 548,000.00 ZZ 360 548,000.00 1 7.375 3,784.90 78 7.125 3,784.90 SOUTHWEST RANCH FL 33332 1 05/03/01 00 0432774701 03 07/01/01 0 200104115 O 06/01/31 0 4722032 893/G01 F 380,000.00 ZZ 360 380,000.00 1 7.375 2,624.57 62 7.125 2,624.57 MILPITAS CA 95035 2 05/03/01 00 0432833846 05 07/01/01 0 M10407081 O 06/01/31 0 4722315 964/G01 F 383,500.00 ZZ 360 383,200.83 1 7.250 2,616.15 65 7.000 2,616.15 SAN JOSE CA 95132 5 04/24/01 00 0432793339 05 06/01/01 0 116435 O 05/01/31 0 4722557 624/G01 F 178,000.00 ZZ 360 178,000.00 1 7.375 1,229.40 65 7.125 1,229.40 PORTLAND OR 97223 5 05/02/01 00 0432821031 05 07/01/01 0 8170012553F O 06/01/31 0 4722959 964/G01 F 525,000.00 ZZ 360 525,000.00 1 7.250 3,581.43 64 7.000 3,581.43 BEVERLY HILLS CA 90211 1 05/04/01 00 0432824472 05 07/01/01 0 121836 O 06/01/31 0 4723356 E22/G01 F 327,000.00 ZZ 360 326,769.20 1 1 7.750 2,342.67 76 7.500 2,342.67 WEST BLOOMFIELD MI 48322 2 04/25/01 00 0412508384 05 06/01/01 0 0412508384 O 05/01/31 0 4723369 E22/G01 F 385,000.00 ZZ 360 384,699.66 1 7.250 2,626.38 46 7.000 2,626.38 ALAMO CA 94507 5 04/20/01 00 0412527020 05 06/01/01 0 0412527020 O 05/01/31 0 4723370 E22/G01 F 343,500.00 ZZ 360 343,232.03 1 7.250 2,343.28 75 7.000 2,343.28 LOS ANGELES CA 90034 1 04/10/01 00 0412529406 05 06/01/01 0 0412529406 O 05/01/31 0 4723374 E22/G01 F 380,000.00 ZZ 360 379,703.56 1 7.250 2,592.27 80 7.000 2,592.27 LUMBERTON NJ 08048 2 04/24/01 00 0412535163 05 06/01/01 0 0412535163 O 05/01/31 0 4723423 E22/G01 F 770,000.00 ZZ 360 769,428.55 1 7.500 5,383.95 62 7.250 5,383.95 PLEASANTON CA 94566 5 04/19/01 00 0412558025 05 06/01/01 0 0412558025 O 05/01/31 0 4723424 E22/G01 F 320,000.00 ZZ 360 319,724.49 1 6.750 2,075.51 52 6.500 2,075.51 FORT LAUDERDALE FL 33308 2 04/24/01 00 0412558082 05 06/01/01 0 1 0412558082 O 05/01/31 0 4723448 E22/G01 F 348,000.00 ZZ 360 347,735.20 1 7.375 2,403.55 74 7.125 2,403.55 SANTA CLARA CA 95051 5 04/19/01 00 0412567646 05 06/01/01 0 0412567646 O 05/01/31 0 4723463 E22/G01 F 835,000.00 ZZ 360 834,298.49 1 6.875 5,485.36 59 6.625 5,485.36 CLYDE HILL WA 98004 2 04/19/01 00 0412569857 05 06/01/01 0 0412569857 O 05/01/31 0 4723464 E22/G01 F 379,400.00 ZZ 360 379,118.43 1 7.500 2,652.82 70 7.250 2,652.82 SAN JOSE CA 95119 5 04/23/01 00 0412570137 05 06/01/01 0 0412570137 O 05/01/31 0 4723472 E22/G01 F 129,000.00 ZZ 360 128,906.64 1 7.625 913.05 87 7.375 913.05 ALLEN TX 75002 1 04/27/01 04 0412574766 05 06/01/01 25 0412574766 O 05/01/31 0 4723493 E22/G01 F 135,000.00 ZZ 360 134,904.71 1 7.750 967.16 61 7.500 967.16 NASHUA NH 03062 2 04/25/01 00 0412581720 05 06/01/01 0 0412581720 O 05/01/31 0 1 4723925 T44/G01 F 396,800.00 ZZ 360 396,800.00 1 7.875 2,877.08 64 7.625 2,877.08 NORTH KINGSTOWN RI 02852 2 05/08/01 00 0432817039 05 07/01/01 0 1012121 O 06/01/31 0 4724422 944/G01 F 480,000.00 ZZ 360 480,000.00 1 7.500 3,356.23 80 7.250 3,356.23 LAGUNA NIGUEL CA 92677 1 05/08/01 00 0432823292 05 07/01/01 0 W01043022 O 06/01/31 0 4725264 757/G01 F 427,000.00 ZZ 360 427,000.00 1 7.250 2,912.90 76 7.000 2,912.90 BETHESDA MD 20816 2 05/04/01 00 0432826790 05 07/01/01 0 5MACIORTH O 06/01/31 0 4725495 964/G01 F 350,000.00 ZZ 360 350,000.00 1 7.375 2,417.36 28 7.125 2,417.36 SAN FRANCISCO CA 94114 2 05/10/01 00 0432818839 05 07/01/01 0 400120330 O 06/01/31 0 4726690 964/G01 F 550,000.00 ZZ 360 550,000.00 1 7.500 3,845.68 63 7.250 3,845.68 SACRAMENTO CA 95864 1 05/09/01 00 0432853679 05 07/01/01 0 120504 O 06/01/31 0 4726949 757/G01 F 356,000.00 ZZ 360 356,000.00 1 7.000 2,368.48 75 6.750 2,368.48 1 CANTON MA 02021 5 05/25/01 00 0432859098 05 07/01/01 0 2MCGOINGLEJOHN O 06/01/31 0 4727547 369/G01 F 480,000.00 ZZ 360 480,000.00 1 7.375 3,315.24 55 7.125 3,315.24 RALEIGH NC 27614 2 05/16/01 00 0432863587 05 07/01/01 0 0073050015 O 06/01/31 0 4727594 964/G01 F 335,000.00 ZZ 360 335,000.00 1 7.000 2,228.76 70 6.750 2,228.76 OAKLAND CA 94610 1 05/09/01 00 0432816999 05 07/01/01 0 400123406 O 06/01/31 0 4728613 227/G01 F 380,695.00 ZZ 360 380,405.32 1 7.375 2,629.37 80 7.125 2,629.37 SAN JOSE CA 95136 2 04/12/01 00 0432807055 05 06/01/01 0 1916667 O 05/01/31 0 4728685 696/G01 F 483,200.00 ZZ 360 482,823.05 1 7.250 3,296.28 78 7.000 3,296.28 ARLINGTON VA 22207 2 04/23/01 00 0432757029 05 06/01/01 0 31201146 O 05/01/31 0 4728803 369/G01 F 308,000.00 ZZ 360 308,000.00 1 7.500 2,153.58 80 7.250 2,153.58 PLYMOUTH MN 55441 2 05/11/01 00 0432842193 05 07/01/01 0 0073024440 O 06/01/31 0 1 4729897 964/G01 F 580,000.00 ZZ 360 580,000.00 1 7.250 3,956.62 49 7.000 3,956.62 SAN JOSE CA 95138 2 05/09/01 00 0432824712 03 07/01/01 0 121295 O 06/01/31 0 4730054 964/G01 F 348,000.00 ZZ 360 348,000.00 1 7.375 2,403.55 79 7.125 2,403.55 HUNTINGTON BEAC CA 92646 1 05/16/01 00 0432828598 05 07/01/01 0 122568 O 06/01/31 0 4730269 964/G01 F 528,000.00 ZZ 360 528,000.00 1 7.500 3,691.85 80 7.250 3,691.85 SAN FRANCISCO CA 94115 1 05/10/01 00 0432809648 01 07/01/01 0 400123048 O 06/01/31 0 4730312 964/G01 F 399,900.00 ZZ 360 399,900.00 1 7.500 2,796.16 71 7.250 2,796.16 SAN JOSE CA 95124 5 05/07/01 00 0432809846 05 07/01/01 0 115548 O 06/01/31 0 4730412 B60/G01 F 332,500.00 ZZ 360 332,500.00 1 6.750 2,156.59 76 6.500 2,156.59 SAN LEANDRO CA 94577 5 05/05/01 00 0432854834 05 07/01/01 0 324951 O 06/01/31 0 4730676 E22/G01 F 164,000.00 ZZ 360 163,875.21 1 1 7.375 1,132.71 80 7.125 1,132.71 ESTES PARK CO 80517 1 05/01/01 00 0412523128 01 06/01/01 0 0412523128 O 05/01/31 0 4730681 E22/G01 F 388,700.00 ZZ 360 388,389.17 1 7.125 2,618.74 70 6.875 2,618.74 AUSTIN TX 78733 2 04/26/01 00 0412532160 03 06/01/01 0 0412532160 O 05/01/31 0 4730692 E22/G01 F 58,500.00 ZZ 360 58,456.59 1 7.500 409.04 75 7.250 409.04 ONAWAY MI 49765 5 04/26/01 00 0412546087 05 06/01/01 0 0412546087 O 05/01/31 0 4730695 E22/G01 F 320,000.00 ZZ 360 319,756.51 1 7.375 2,210.16 62 7.125 2,210.16 SCOTTSDALE AZ 85260 5 04/26/01 00 0412549073 05 06/01/01 0 0412549073 O 05/01/31 0 4730703 E22/G01 F 369,000.00 ZZ 360 368,697.53 1 7.000 2,454.97 75 6.750 2,454.97 MILPITAS CA 95035 5 04/24/01 00 0412560674 05 06/01/01 0 0412560674 O 05/01/31 0 4730709 E22/G01 F 500,000.00 ZZ 360 499,600.16 1 7.125 3,368.59 80 6.875 3,368.59 BOCA RATON FL 33434 1 05/01/01 00 0412564197 03 06/01/01 0 1 0412564197 O 05/01/31 0 4731076 163/163 F 319,100.00 ZZ 360 318,636.62 1 7.625 2,258.57 74 7.375 2,258.57 WINSTON SALEM NC 27104 5 03/30/01 00 0080406349 05 05/01/01 0 0080406349 O 04/01/31 0 4731163 163/163 F 405,000.00 ZZ 360 404,396.98 1 7.500 2,831.82 78 7.250 2,831.82 TUSTIN CA 92782 2 03/23/01 00 1418010290 03 05/01/01 0 1418010290 O 04/01/31 0 4731225 163/163 F 392,000.00 ZZ 360 391,416.34 1 7.500 2,740.92 80 7.250 2,740.92 FREMONT CA 94536 1 03/20/01 00 718003345 05 05/01/01 0 718003345 O 04/01/31 0 4732661 B60/G01 F 363,600.00 ZZ 360 363,316.36 1 7.250 2,480.39 83 7.000 2,480.39 LAGUNA NIGUEL CA 92677 2 04/26/01 01 0432836708 03 06/01/01 12 327323 O 05/01/31 0 4734263 964/G01 F 364,250.00 ZZ 360 364,250.00 1 7.625 2,578.14 72 7.375 2,578.14 SAN CLEMENTE CA 92673 1 05/11/01 00 0432828853 05 07/01/01 0 122581 O 06/01/31 0 1 4734565 026/G01 F 500,000.00 ZZ 360 499,600.15 1 7.125 3,368.60 34 6.875 3,368.60 WINSTOM SALEM NC 27106 1 04/27/01 00 0432782332 05 06/01/01 0 0201311496 O 05/01/31 0 4736229 737/G01 F 312,300.00 ZZ 360 312,300.00 1 8.250 2,346.21 84 8.000 2,346.21 EL CAJON CA 92019 2 05/07/01 01 0432850055 05 07/01/01 12 0598392 O 06/01/31 0 4736742 T44/G01 F 314,700.00 ZZ 360 314,700.00 1 7.250 2,146.81 68 7.000 2,146.81 KING NC 27021 5 05/10/01 00 0432816940 05 07/01/01 0 1009976 O 06/01/31 0 4736774 964/G01 F 372,000.00 ZZ 360 372,000.00 1 7.500 2,601.08 80 7.250 2,601.08 SANTA CRUZ CA 95062 2 05/09/01 00 0432822633 05 07/01/01 0 400122269 O 06/01/31 0 4736792 964/G01 F 423,750.00 ZZ 360 423,750.00 1 7.250 2,890.72 75 7.000 2,890.72 FREMONT CA 94539 5 05/04/01 00 0432809747 05 07/01/01 0 118717 O 06/01/31 0 4737006 F62/G01 F 350,000.00 ZZ 360 350,000.00 1 7.375 2,417.36 66 7.125 2,417.36 1 MIAMI FL 33176 1 05/14/01 00 0432851525 05 07/01/01 0 1 O 06/01/31 0 4737680 E22/G01 F 562,500.00 ZZ 360 562,071.98 1 7.375 3,885.05 75 7.125 3,885.05 ALAMEDA CA 94501 1 04/24/01 00 0412483976 05 06/01/01 0 0412483976 O 05/01/31 0 4737694 E22/G01 F 500,000.00 ZZ 360 499,619.54 1 7.375 3,453.38 80 7.125 3,453.38 SUPERIOR CO 80027 2 04/26/01 00 0412524043 03 06/01/01 0 0412524043 O 05/01/31 0 4737699 E22/G01 F 373,349.00 ZZ 360 373,078.78 1 7.625 2,642.54 70 7.375 2,642.54 FREMONT CA 94536 2 04/26/01 00 0412534794 05 06/01/01 0 0412534794 O 05/01/31 0 4737702 E22/G01 F 649,950.00 ZZ 360 649,455.44 1 7.375 4,489.04 60 7.125 4,489.04 PLEASANTON CA 94566 5 04/26/01 00 0412544793 05 06/01/01 0 0412544793 O 05/01/31 0 4737707 E22/G01 F 347,400.00 ZZ 360 347,122.19 1 7.125 2,340.50 80 6.875 2,340.50 LOS ANGELES CA 90004 1 04/24/01 00 0412550923 05 06/01/01 0 0412550923 O 05/01/31 0 1 4737726 E22/G01 F 441,000.00 ZZ 360 440,680.82 1 7.625 3,121.37 70 7.375 3,121.37 EDMOND OK 73013 2 04/24/01 00 0412574980 03 06/01/01 0 0412574980 O 05/01/31 0 4737727 E22/G01 F 545,000.00 ZZ 360 544,595.53 1 7.500 3,810.72 51 7.250 3,810.72 SANTA BARBARA CA 93108 2 04/26/01 00 0412576761 05 06/01/01 0 0412576761 O 05/01/31 0 4737729 E22/G01 F 286,000.00 ZZ 360 286,000.00 1 7.125 1,926.83 69 6.875 1,926.83 SHELTON CT 06484 2 04/27/01 00 0412577678 05 07/01/01 0 0412577678 O 06/01/31 0 4738209 G52/G01 F 328,000.00 ZZ 360 327,756.58 1 7.500 2,293.42 80 7.250 2,293.42 SCOTTSDALE AZ 85254 2 04/12/01 00 0432861631 03 06/01/01 0 69003122 O 05/01/31 0 4738281 E11/G01 F 464,000.00 ZZ 360 464,000.00 1 7.000 3,087.00 80 6.750 3,087.00 CHASKA MN 55318 2 05/07/01 00 0432829836 05 07/01/01 0 0008001031397 O 06/01/31 0 4739044 E82/G01 F 493,800.00 ZZ 360 493,433.53 1 1 7.500 3,452.72 44 7.250 3,452.72 HILLSBOROUGH CA 94010 2 04/26/01 00 0400421822 05 06/01/01 0 1960278 O 05/01/31 0 4739748 964/G01 F 320,000.00 ZZ 360 320,000.00 1 7.250 2,182.96 44 7.000 2,182.96 SAN RAFAEL CA 94901 5 05/09/01 00 0432828226 05 07/01/01 0 400120478 O 06/01/31 0 4740182 163/163 F 292,000.00 ZZ 360 291,543.06 1 7.250 1,991.95 80 7.000 1,991.95 SIMI VALLEY CA 93063 1 03/20/01 00 618049553 05 05/01/01 0 618049553 O 04/01/31 0 4740243 964/G01 F 480,000.00 ZZ 360 480,000.00 1 7.375 3,315.24 69 7.125 3,315.24 CALABASAS CA 91302 5 05/11/01 00 0432828333 03 07/01/01 0 410121283 O 06/01/31 0 4740315 163/163 F 329,600.00 ZZ 360 329,336.42 1 7.125 2,220.58 80 6.875 2,220.58 HENRICO NC 27842 1 04/09/01 00 1 05 06/01/01 0 1 O 05/01/31 0 4740573 A35/A35 F 328,000.00 ZZ 360 328,000.00 1 7.375 2,265.41 80 7.125 2,265.41 LONG BEACH NY 11561 1 05/15/01 00 11801 05 07/01/01 0 1 11801 O 06/01/31 0 4743672 757/G01 F 337,500.00 ZZ 360 337,500.00 1 7.375 2,331.03 90 7.125 2,331.03 SANTA ROSA FL 32459 1 05/16/01 01 0432852416 05 07/01/01 25 1000231280 O 06/01/31 0 4744386 624/G01 F 350,000.00 ZZ 360 350,000.00 1 7.500 2,447.25 55 7.250 2,447.25 SOQUEL CA 95073 5 05/11/01 00 0432831360 05 07/01/01 0 46000610316F O 06/01/31 0 4744393 964/G01 F 384,600.00 ZZ 360 384,600.00 1 7.250 2,623.65 70 7.000 2,623.65 FOLSOM CA 95630 2 05/01/01 00 0432825552 05 07/01/01 0 118269 O 06/01/31 0 4744477 575/G01 F 306,500.00 ZZ 360 306,500.00 1 7.375 2,116.92 70 7.125 2,116.92 BEACHWOOD OH 44122 1 05/09/01 00 0432852812 05 07/01/01 0 11923976 O 06/01/31 0 4744548 H22/G01 F 360,000.00 ZZ 360 360,000.00 1 7.250 2,455.83 65 7.000 2,455.83 DEMAREST NJ 07627 1 05/09/01 00 0432833606 05 07/01/01 0 0104023 O 06/01/31 0 1 4744759 E22/G01 F 256,000.00 ZZ 360 256,000.00 1 7.375 1,768.13 80 7.125 1,768.13 SANTA ROSA CA 95407 2 04/26/01 00 0412508004 03 07/01/01 0 0412508004 O 06/01/31 0 4744762 E22/G01 F 410,000.00 ZZ 360 409,672.13 1 7.125 2,762.25 59 6.875 2,762.25 CONCORD CA 94521 2 04/26/01 00 0412521999 05 06/01/01 0 0412521999 O 05/01/31 0 4744772 E22/G01 F 370,200.00 ZZ 360 369,903.95 1 7.125 2,494.11 57 6.875 2,494.11 REDWOOD CITY CA 94062 2 04/24/01 00 0412546178 05 06/01/01 0 0412546178 O 05/01/31 0 4744801 E22/G01 F 879,900.00 ZZ 360 879,246.99 1 7.500 6,152.39 70 7.250 6,152.39 SAN JOSE CA 95135 1 04/26/01 00 0412607673 05 06/01/01 0 0412607673 O 05/01/31 0 4744802 E22/G01 F 488,000.00 ZZ 360 487,628.68 1 7.375 3,370.49 80 7.125 3,370.49 SIMI VALLEY CA 93065 1 04/27/01 00 0412608978 03 06/01/01 0 0412608978 O 05/01/31 0 4744817 757/G01 F 354,400.00 ZZ 360 354,400.00 1 7.500 2,478.02 80 7.250 2,478.02 1 NORTHBROOK IL 60062 2 05/11/01 00 0432853901 05 07/01/01 0 4BRUCKMANELLI O 06/01/31 0 4745609 E85/G01 F 385,000.00 ZZ 360 384,707.05 1 7.375 2,659.10 70 7.125 2,659.10 WALNUT CREEK CA 94595 5 04/05/01 00 0432792604 05 06/01/01 0 6000072 O 05/01/31 0 4745712 B60/G01 F 471,000.00 ZZ 360 470,613.92 1 7.000 3,133.58 80 6.750 3,133.58 SAN DIEGO COUNT CA 92019 2 04/10/01 00 0432822625 03 06/01/01 0 324284 O 05/01/31 0 4745718 926/926 F 461,000.00 ZZ 360 461,000.00 1 7.500 3,223.38 77 7.250 3,223.38 DAUFUSKIE ISLAN SC 29915 2 05/09/01 00 01048188 03 07/01/01 0 01048188 O 06/01/31 0 4745982 E85/G01 F 375,000.00 ZZ 360 374,707.47 1 7.250 2,558.16 75 7.000 2,558.16 SONOMA CA 95476 5 04/09/01 00 0432825263 05 06/01/01 0 9609706 O 05/01/31 0 4746761 R65/G01 F 318,000.00 ZZ 360 318,000.00 1 6.750 2,062.54 69 6.500 2,062.54 WESTON FL 33327 2 05/11/01 00 0432828739 03 07/01/01 0 20011830 O 06/01/31 0 1 4746864 Q73/G01 F 540,000.00 ZZ 360 540,000.00 1 7.250 3,683.75 80 7.000 3,683.75 MADISON MS 39110 2 05/14/01 00 0432863595 05 07/01/01 0 1040908 O 06/01/31 0 4746996 714/G01 F 395,179.00 ZZ 346 393,893.28 1 7.250 2,726.79 79 7.000 2,726.79 DELAFIELD WI 53018 1 03/01/01 00 0432814697 05 04/01/01 0 1000488320001 O 01/01/30 0 4750628 964/G01 F 450,000.00 ZZ 360 450,000.00 1 7.375 3,108.04 74 7.125 3,108.04 APTOS CA 95003 2 05/15/01 00 0432843522 05 07/01/01 0 400121645 O 06/01/31 0 4753226 E22/G01 F 497,000.00 ZZ 360 496,621.82 1 7.375 3,432.66 53 7.125 3,432.66 BIRMINGHAM MI 48009 5 04/30/01 00 0412552119 05 06/01/01 0 0412552119 O 05/01/31 0 4753228 E22/G01 F 320,000.00 ZZ 360 319,762.51 1 7.500 2,237.49 80 7.250 2,237.49 SUMNER WA 98390 2 04/30/01 00 0412553778 05 06/01/01 0 0412553778 O 05/01/31 0 4753229 E22/G01 F 360,000.00 ZZ 360 360,000.00 1 1 7.125 2,425.39 80 6.875 2,425.39 SAN JOSE CA 95123 2 04/30/01 00 0412554156 05 07/01/01 0 0412554156 O 06/01/31 0 4753243 E22/G01 F 482,000.00 ZZ 360 481,614.56 1 7.125 3,247.32 79 6.875 3,247.32 ROGERS AR 72758 2 04/25/01 00 0412576977 03 06/01/01 0 0412576977 O 05/01/31 0 4753260 E22/G01 F 372,000.00 ZZ 360 372,000.00 1 7.250 2,537.70 80 7.000 2,537.70 CARLSBAD CA 92009 1 05/02/01 00 0412589756 03 07/01/01 0 0412589756 O 06/01/31 0 4753272 E22/G01 F 368,000.00 ZZ 360 367,705.72 1 7.125 2,479.28 80 6.875 2,479.28 UPPER MARLBORO MD 20772 2 04/30/01 00 0412598880 05 06/01/01 0 0412598880 O 05/01/31 0 4753287 E22/G01 F 700,000.00 ZZ 360 700,000.00 1 7.375 4,834.73 54 7.125 4,834.73 IPSWICH MA 01938 1 05/04/01 00 0412609695 05 07/01/01 0 0412609695 O 06/01/31 0 4754083 163/163 F 406,750.00 ZZ 240 406,004.08 1 7.375 3,245.74 66 7.125 3,245.74 PERRINEVILLE NJ 08535 2 04/12/01 00 1000253518 05 06/01/01 0 1 1000253518 O 05/01/21 0 4754168 696/G01 F 393,900.00 ZZ 360 393,900.00 1 7.375 2,720.57 80 7.125 2,720.57 STERLING VA 20165 1 05/04/01 00 0432763092 03 07/01/01 0 25101130 O 06/01/31 0 4755914 964/G01 F 399,950.00 ZZ 360 399,950.00 1 7.250 2,728.36 56 7.000 2,728.36 PALOS VERDES ES CA 90274 5 05/17/01 00 0432846152 05 07/01/01 0 120484 O 06/01/31 0 4756680 163/163 F 279,200.00 ZZ 360 278,987.56 1 7.375 1,928.36 80 7.125 1,928.36 VERDI NV 89439 2 03/30/01 00 718098857 05 06/01/01 0 718098857 O 05/01/31 0 4756991 163/163 F 575,000.00 ZZ 360 574,143.87 1 7.500 4,020.48 75 7.250 4,020.48 LA SELVA BEACH CA 95076 2 03/08/01 00 717808405 05 05/01/01 0 717808405 O 04/01/31 0 4757125 964/G01 F 416,000.00 ZZ 360 416,000.00 1 7.250 2,837.85 80 7.000 2,837.85 LAGUNA NIGUEL CA 92677 1 05/11/01 00 0432825404 03 07/01/01 0 123268 O 06/01/31 0 1 4757537 B60/G01 F 287,000.00 ZZ 360 286,787.00 1 7.500 2,006.75 77 7.250 2,006.75 MISSION VIEJO CA 92692 2 04/20/01 00 0432839223 03 06/01/01 0 324577 O 05/01/31 0 4757565 964/G01 F 383,650.00 ZZ 360 383,650.00 1 7.250 2,617.17 80 7.000 2,617.17 ANTHEM AZ 85086 1 05/14/01 00 0432851111 03 07/01/01 0 124789 O 06/01/31 0 4757961 163/163 F 392,000.00 ZZ 360 391,339.46 1 6.875 2,575.16 80 6.625 2,575.16 SAN DIEGO CA 92107 2 03/23/01 00 1418034167 05 05/01/01 0 1418034167 O 04/01/31 0 4758099 163/163 F 318,750.00 ZZ 360 318,242.71 1 7.500 2,228.75 75 7.250 2,228.75 ALEXANDRIA VA 22301 5 03/23/01 00 918099590 05 05/01/01 0 918099590 O 04/01/31 0 4758148 964/G01 F 386,400.00 ZZ 360 386,400.00 1 7.375 2,668.77 80 7.125 2,668.77 NOVATO CA 94945 2 05/11/01 00 0432839645 03 07/01/01 0 400119903 O 06/01/31 0 4758169 163/163 F 325,000.00 ZZ 360 324,752.71 1 7.375 2,244.69 75 7.125 2,244.69 1 REDWOOD CITY CA 94063 2 04/05/01 00 718146110 05 06/01/01 0 718146110 O 05/01/31 0 4758238 163/163 F 382,450.00 ZZ 360 382,128.69 1 6.875 2,512.43 62 6.625 2,512.43 MIDDLETOWN NJ 07748 5 03/28/01 00 1999990907 05 06/01/01 0 1999990907 O 05/01/31 0 4758351 163/163 F 580,000.00 ZZ 360 579,610.84 1 8.000 4,255.83 80 7.750 4,255.83 FREMONT CA 94536 2 03/28/01 00 0218013203 05 06/01/01 0 0218013203 O 05/01/31 0 4758423 163/163 F 648,000.00 ZZ 360 647,542.65 1 7.750 4,642.35 74 7.500 4,642.35 SAN FRANCISCO CA 94127 2 04/05/01 00 718160905 05 06/01/01 0 718160905 O 05/01/31 0 4758450 163/163 F 324,000.00 ZZ 360 323,505.40 1 7.375 2,237.79 80 7.125 2,237.79 DETROIT LAKES MN 56501 2 03/21/01 00 80397223 05 05/01/01 0 80397223 O 04/01/31 0 4758504 163/163 F 306,000.00 ZZ 240 305,438.84 1 7.375 2,441.78 90 7.125 2,441.78 CORALVILLE IA 52241 2 04/06/01 04 4203758006 05 06/01/01 25 4203758006 O 05/01/21 0 1 4758514 964/G01 F 460,000.00 ZZ 360 460,000.00 1 7.750 3,295.50 70 7.500 3,295.50 DANVILLE CA 94526 5 05/15/01 00 0432838084 05 07/01/01 0 123718 O 06/01/31 0 4758570 163/163 F 525,000.00 ZZ 360 524,328.15 1 8.250 3,944.15 75 8.000 3,944.15 COLORADO SPRING CO 80908 4 03/12/01 00 402251675 05 05/01/01 0 402251675 O 04/01/31 0 4759030 163/163 F 323,500.00 ZZ 360 323,259.92 1 7.500 2,261.96 64 7.250 2,261.96 GAITHERSBURG MD 20882 2 03/21/01 00 918043473 05 05/01/01 0 918043473 O 04/01/31 0 4759201 624/G01 F 465,000.00 ZZ 360 465,000.00 1 7.250 3,172.12 59 7.000 3,172.12 CARMEL CA 93923 5 05/09/01 00 0432825826 05 07/01/01 0 88613010786F O 06/01/31 0 4759385 757/G01 F 393,000.00 ZZ 360 393,000.00 2 7.250 2,680.96 75 7.000 2,680.96 STAMFORD CT 06902 2 05/18/01 00 0432853109 05 07/01/01 0 2CURCIOSCOT O 06/01/31 0 4759489 163/163 F 291,950.00 ZZ 360 291,743.94 1 1 7.750 2,091.57 69 7.500 2,091.57 WAYNE IL 60184 2 04/04/01 00 1000281245 05 06/01/01 0 1000281245 O 05/01/31 0 4760263 L96/G01 F 599,200.00 ZZ 360 599,200.00 1 7.250 4,087.60 70 7.000 4,087.60 CALABASAS CA 91302 1 05/14/01 00 0432863918 03 07/01/01 0 0457269 O 06/01/31 0 4760334 B60/G01 F 337,000.00 ZZ 360 337,000.00 1 7.125 2,270.43 78 6.875 2,270.43 ALISO VIEJO CA 92656 2 04/25/01 00 0432849495 03 07/01/01 0 324221 O 06/01/31 0 4760695 975/G01 F 386,000.00 ZZ 360 386,000.00 1 7.625 2,732.08 75 7.375 2,732.08 LOS ANGELES CA 90026 2 05/04/01 00 0432829166 03 07/01/01 0 2012404 O 06/01/31 0 4760932 E22/G01 F 399,950.00 ZZ 360 399,660.53 1 7.625 2,830.82 60 7.375 2,830.82 PLEASANTON CA 94566 5 05/02/01 00 0412534844 05 06/01/01 0 0412534844 O 05/01/31 0 4760946 E22/G01 F 650,000.00 ZZ 360 650,000.00 1 7.625 4,600.66 52 7.375 4,600.66 CUPERTINO CA 95014 5 04/30/01 00 0412557530 05 07/01/01 0 1 0412557530 O 06/01/31 0 4760954 E22/G01 F 376,000.00 ZZ 360 375,727.87 1 7.625 2,661.30 51 7.375 2,661.30 LAFAYETTE CA 94549 5 05/01/01 00 0412563033 05 06/01/01 0 0412563033 O 05/01/31 0 4760976 E22/G01 F 377,600.00 ZZ 360 377,600.00 1 7.250 2,575.90 80 7.000 2,575.90 HUNTINGTON BEAC CA 92648 1 05/02/01 00 0412585754 07 07/01/01 0 0412585754 O 06/01/31 0 4761003 E22/G01 F 353,000.00 ZZ 360 353,000.00 1 7.375 2,438.08 68 7.125 2,438.08 DALLAS TX 75240 2 05/02/01 00 0412615783 03 07/01/01 0 0412615783 O 06/01/31 0 4761402 163/163 F 385,600.00 ZZ 360 385,025.87 1 7.500 2,696.17 80 7.250 2,696.17 FRESNO CA 93711 1 03/13/01 00 718010282 05 05/01/01 0 718010282 O 04/01/31 0 4761430 163/163 F 300,000.00 ZZ 360 299,777.36 1 7.500 2,097.64 80 7.250 2,097.64 RANCHO CUCAMONG CA 91737 2 04/05/01 00 1418125734 05 06/01/01 0 1418125734 O 05/01/31 0 1 4761565 163/163 F 323,000.00 ZZ 360 322,519.08 1 7.500 2,258.46 80 7.250 2,258.46 CENTREVILLE VA 20120 1 03/28/01 00 918120495 03 05/01/01 0 918120495 O 04/01/31 0 4761571 163/163 F 344,000.00 ZZ 360 343,744.70 1 7.500 2,405.30 73 7.250 2,405.30 SANDY UT 84092 5 04/12/01 00 0218175325 05 06/01/01 0 0218175325 O 05/01/31 0 4761639 163/163 F 410,000.00 ZZ 360 409,695.72 1 7.500 2,866.78 79 7.250 2,866.78 DENVER CO 80218 2 04/04/01 00 1818066615 05 06/01/01 0 1818066615 O 05/01/31 0 4761799 714/G01 F 321,793.00 ZZ 346 320,824.34 1 7.250 2,220.42 72 7.000 2,220.42 MEQUON WI 53092 1 03/01/01 00 0432805000 05 04/01/01 0 1000325420002 O 01/01/30 0 4761827 163/163 F 330,000.00 ZZ 360 329,761.16 1 7.625 2,335.72 69 7.375 2,335.72 SOUTH KINGSTON RI 02879 5 04/04/01 00 1000246517 05 06/01/01 0 1000246517 O 05/01/31 0 4761849 163/163 F 480,000.00 ZZ 360 478,782.19 1 7.500 3,356.23 50 7.250 3,356.23 1 WINCHESTER MA 01890 5 03/23/01 00 1000232488 05 05/01/01 0 1000232488 O 04/01/31 0 4762084 163/163 F 352,000.00 ZZ 360 351,751.55 1 7.750 2,521.77 80 7.500 2,521.77 SAN DIEGO CA 92110 1 04/16/01 00 1418186926 05 06/01/01 0 1418186926 O 05/01/31 0 4762153 163/163 F 336,000.00 ZZ 360 335,744.33 1 7.375 2,320.67 79 7.125 2,320.67 PHOENIX AZ 85020 2 04/10/01 00 1818165581 05 06/01/01 0 1818165581 O 05/01/31 0 4762188 163/163 F 389,000.00 ZZ 360 388,420.82 1 7.500 2,719.94 77 7.250 2,719.94 BONITA CA 91902 2 03/27/01 00 1 05 05/01/01 0 1 O 04/01/31 0 4762243 601/G01 F 375,000.00 ZZ 360 374,721.69 1 7.500 2,622.06 77 7.250 2,622.06 NORWALK CT 06850 1 04/05/01 00 0432795227 05 06/01/01 0 6043774 O 05/01/31 0 4762343 163/163 F 423,900.00 ZZ 360 423,577.45 1 7.375 2,927.77 80 7.125 2,927.77 AUSTIN TX 78730 1 04/02/01 00 005411046 03 06/01/01 0 005411046 O 05/01/31 0 1 4762360 601/G01 F 290,000.00 ZZ 360 289,762.29 1 7.000 1,929.38 78 6.750 1,929.38 WESTFORD MA 01886 1 04/19/01 00 0432799146 01 06/01/01 0 000001144 O 05/01/31 0 4762493 163/163 F 308,900.00 ZZ 360 308,659.03 1 7.250 2,107.24 60 7.000 2,107.24 SAN JOSE CA 95133 2 04/04/01 00 718085664 05 06/01/01 0 718085664 O 05/01/31 0 4762627 B60/G01 F 300,000.00 ZZ 360 300,000.00 1 7.500 2,097.64 76 7.250 2,097.64 REDONDO BCH CA 90277 5 05/16/01 00 0432863751 01 07/01/01 0 328652 O 06/01/31 0 4762641 E82/G01 F 294,100.00 ZZ 360 294,100.00 1 7.375 2,031.28 85 7.125 2,031.28 MOUNT VERNON WA 98274 2 05/04/01 04 0400418745 05 07/01/01 12 3570596 O 06/01/31 0 4762642 E82/G01 F 286,900.00 ZZ 360 286,652.98 1 6.750 1,860.83 70 6.500 1,860.83 SANTA MARIA CA 93455 2 05/01/01 00 0400420998 05 06/01/01 0 0400420998 O 05/01/31 0 4762716 163/163 F 350,000.00 ZZ 360 349,452.27 1 1 7.250 2,387.62 62 7.000 2,387.62 SPOKANE WA 99223 5 03/23/01 00 1 05 05/01/01 0 1 O 04/01/31 0 4762780 163/163 F 319,200.00 ZZ 360 318,931.83 1 6.875 2,096.92 80 6.625 2,096.92 DOYLESTOWN PA 18901 1 04/06/01 00 1000287806 05 06/01/01 0 1000287806 O 05/01/31 0 4762832 163/163 F 386,000.00 ZZ 360 385,395.94 1 7.250 2,633.20 65 7.000 2,633.20 WAYZATA MN 55391 5 03/26/01 00 3918015158 05 05/01/01 0 3918015158 O 04/01/31 0 4762867 026/G01 F 500,000.00 ZZ 360 499,619.54 1 7.375 3,453.38 80 7.125 3,453.38 NORTH MYRTLE BE SC 29582 2 05/01/01 00 0432850352 05 06/01/01 0 0201139766 O 05/01/31 0 4763004 163/163 F 365,000.00 ZZ 300 364,566.96 1 7.250 2,638.25 77 7.000 2,638.25 SIMI VALLEY CA 93065 1 04/13/01 00 618039166 03 06/01/01 0 618039166 O 05/01/26 0 4763137 601/G01 F 620,000.00 ZZ 360 619,551.26 1 7.625 4,388.32 80 7.375 4,388.32 WEST BLOOMFIELD MI 48324 2 04/12/01 00 0432796589 05 06/01/01 0 1 1497009 O 05/01/31 0 4763451 163/163 F 499,000.00 ZZ 360 498,219.11 1 7.250 3,404.06 73 7.000 3,404.06 BROOKLYN NY 11234 1 03/28/01 00 12003840 05 05/01/01 0 12003840 O 04/01/31 0 4764042 A06/G01 F 303,750.00 ZZ 360 303,750.00 1 8.000 2,228.81 75 7.750 2,228.81 WATERFORD MI 48329 1 05/14/01 00 0432830206 05 07/01/01 0 MAURO O 06/01/31 0 4764195 964/G01 F 380,000.00 ZZ 360 380,000.00 1 7.500 2,657.02 80 7.250 2,657.02 EL CERRITO CA 94530 1 05/22/01 00 0432858983 05 07/01/01 0 123815 O 06/01/31 0 4764214 964/G01 F 345,000.00 ZZ 360 345,000.00 1 7.250 2,353.51 65 7.000 2,353.51 IRVINE CA 92618 2 05/16/01 00 0432843563 03 07/01/01 0 121727 O 06/01/31 0 4764317 025/025 F 409,625.00 ZZ 360 409,015.10 1 7.500 2,864.16 80 7.250 2,864.16 CINCINNATI OH 45245 2 03/08/01 00 0130191067 05 05/01/01 0 0130191067 O 04/01/31 0 1 4764346 601/G01 F 365,809.00 ZZ 360 365,250.59 1 7.375 2,526.55 80 7.125 2,526.55 CHESTERFIELD MO 63005 2 03/30/01 00 0432851368 03 05/01/01 0 1522148 O 04/01/31 0 4764759 601/G01 F 555,000.00 ZZ 360 554,173.63 1 7.500 3,880.65 57 7.250 3,880.65 WARREN TWP NJ 07059 2 03/13/01 00 0432799310 05 05/01/01 0 6039261 O 04/01/31 0 4764844 025/025 F 450,000.00 ZZ 360 449,041.00 1 7.750 3,223.86 68 7.500 3,223.86 SANTA CLARA CA 95051 1 02/01/01 00 0138763339 05 04/01/01 0 0138763339 O 03/01/31 0 4764975 757/G01 F 170,000.00 T 360 169,579.51 1 7.000 1,131.01 36 6.750 1,131.01 BURNSVILLE NC 28714 1 02/27/01 00 0432788214 05 04/01/01 0 142079788 O 03/01/31 0 4765017 025/025 F 367,100.00 ZZ 360 366,511.11 1 7.125 2,473.23 80 6.875 2,473.23 BRIGHTON MI 48116 1 03/15/01 00 0138778139 05 05/01/01 0 0138778139 O 04/01/31 0 4765074 025/025 F 450,000.00 ZZ 360 449,041.00 1 7.750 3,223.86 60 7.500 3,223.86 1 MENLO PARK CA 94025 5 02/22/01 00 0138763404 05 04/01/01 0 0138763404 O 03/01/31 0 4765099 601/G01 F 327,000.00 ZZ 360 326,757.32 1 7.500 2,286.43 74 7.250 2,286.43 WHITE LAKE MI 48386 2 04/12/01 00 0432783991 05 06/01/01 0 1538838 O 05/01/31 0 4765269 601/G01 F 325,000.00 T 360 324,516.09 1 7.500 2,272.45 73 7.250 2,272.45 VIRGINIA BEACH VA 23451 1 03/30/01 00 0432775492 05 05/01/01 0 1524428 O 04/01/31 0 4765350 601/G01 F 302,400.00 ZZ 360 302,175.58 1 7.500 2,114.42 80 7.250 2,114.42 FORT WORTH TX 76109 1 04/05/01 00 0432786507 05 06/01/01 0 1527478BMC O 05/01/31 0 4765407 601/G01 F 347,200.00 ZZ 360 346,708.32 1 7.750 2,487.38 80 7.500 2,487.38 WALPOLE MA 02081 2 03/30/01 00 0432783975 05 05/01/01 0 1537909 O 04/01/31 0 4765498 601/G01 F 450,000.00 ZZ 360 449,640.14 1 7.125 3,031.74 44 6.875 3,031.74 WILTON CT 06897 2 04/09/01 00 0432796498 05 06/01/01 0 6045193 O 05/01/31 0 1 4765508 964/G01 F 500,000.00 ZZ 360 500,000.00 1 7.375 3,453.38 69 7.125 3,453.38 BERKELEY CA 94707 1 05/14/01 00 0432838241 05 07/01/01 0 118996 O 06/01/31 0 4765691 601/G01 F 320,000.00 ZZ 360 319,511.50 1 7.375 2,210.17 77 7.125 2,210.17 MAPLE GROVE MN 55311 2 03/26/01 00 0432795474 03 05/01/01 0 1517792 O 04/01/31 0 4765869 964/G01 F 438,000.00 ZZ 360 438,000.00 1 7.125 2,950.89 70 6.875 2,950.89 SEBASTOPOL CA 95472 1 05/16/01 00 0432847374 05 07/01/01 0 400124306 O 06/01/31 0 4765900 025/025 F 424,000.00 ZZ 360 423,384.29 1 7.625 3,001.05 80 7.375 3,001.05 DARIEN CT 06820 1 03/15/01 00 0138643051 05 05/01/01 0 0138643051 O 04/01/31 0 4766214 601/G01 F 337,500.00 ZZ 360 336,997.49 1 7.500 2,359.85 75 7.250 2,359.85 LITTLE ROCK AR 72212 5 03/26/01 00 0432795763 05 05/01/01 0 1517057 O 04/01/31 0 4766760 E33/G01 F 575,000.00 ZZ 360 574,551.45 1 1 7.250 3,922.51 70 7.000 3,922.51 LAKE FOREST IL 60045 1 05/01/01 00 0432817245 05 06/01/01 0 HILLMAN O 05/01/31 0 4766888 601/G01 F 403,300.00 ZZ 360 402,993.12 1 7.375 2,785.49 77 7.125 2,785.49 OVERLAND PARK KS 66207 2 04/17/01 00 0432787018 05 06/01/01 0 1540924 O 05/01/31 0 4767089 253/253 F 315,000.00 ZZ 360 314,760.31 1 7.375 2,175.63 70 7.125 2,175.63 PALM SPRINGS CA 92264 4 04/10/01 00 956236 05 06/01/01 0 956236 O 05/01/31 0 4767105 601/G01 F 429,500.00 ZZ 360 428,844.37 1 7.375 2,966.45 77 7.125 2,966.45 INDIANAPOLIS IN 46237 2 04/02/01 00 0432772770 05 05/01/01 0 1522601 O 04/01/31 0 4767164 601/G01 F 308,150.00 ZZ 360 307,691.19 1 7.500 2,154.63 51 7.250 2,154.63 GERMANTOWN TN 38139 5 03/26/01 00 0432786820 05 05/01/01 0 9830206616 O 04/01/31 0 4767944 964/G01 F 318,000.00 ZZ 360 318,000.00 1 7.625 2,250.79 78 7.375 2,250.79 LAS VEGAS NV 89128 1 05/30/01 00 0432858611 03 07/01/01 0 1 123057 O 06/01/31 0 4768244 964/G01 F 353,000.00 ZZ 360 353,000.00 1 7.250 2,408.08 48 7.000 2,408.08 HENDERSON NV 89052 2 05/10/01 00 0432837664 03 07/01/01 0 420120346 O 06/01/31 0 4768581 964/G01 F 335,000.00 ZZ 360 335,000.00 1 7.000 2,228.76 75 6.750 2,228.76 HERCULES CA 94547 5 05/01/01 00 0432809622 05 07/01/01 0 400114180 O 06/01/31 0 4768610 964/G01 F 354,000.00 ZZ 360 354,000.00 1 7.875 2,566.75 59 7.625 2,566.75 DANVILLE CA 94506 5 05/11/01 00 0432845915 09 07/01/01 0 400120333 O 06/01/31 0 4768633 369/G01 F 375,200.00 ZZ 360 375,200.00 1 7.250 2,559.53 80 7.000 2,559.53 LONG BEACH CA 90803 1 05/11/01 00 0432863785 05 07/01/01 0 0073029001 O 06/01/31 0 4768955 E22/G01 F 350,000.00 ZZ 360 350,000.00 1 7.250 2,387.62 75 7.000 2,387.62 MIAMI FL 33139 2 05/03/01 00 0412507188 05 07/01/01 0 0412507188 O 06/01/31 0 1 4768958 E22/G01 F 414,400.00 ZZ 360 414,400.00 1 7.000 2,757.01 65 6.750 2,757.01 RANCHO PALOS VE CA 90275 1 05/01/01 00 0412531501 09 07/01/01 0 0412531501 O 06/01/31 0 4768963 E22/G01 F 314,000.00 ZZ 360 314,000.00 1 7.625 2,222.47 42 7.375 2,222.47 SAN JOSE CA 95120 5 04/30/01 00 0412538142 05 07/01/01 0 0412538142 O 06/01/31 0 4768993 E22/G01 F 293,000.00 ZZ 360 292,771.43 1 7.250 1,998.78 66 7.000 1,998.78 LOS ANGELES CA 90027 2 05/03/01 00 0412592156 05 06/01/01 0 0412592156 O 05/01/31 0 4769083 163/163 F 347,200.00 ZZ 360 346,942.33 1 7.500 2,427.67 79 7.250 2,427.67 SAN DIEGO CA 92130 2 04/16/01 00 0218060253 05 06/01/01 0 0218060253 O 05/01/31 0 4769193 601/G01 F 340,000.00 ZZ 360 339,467.93 1 7.250 2,319.40 80 7.000 2,319.40 ANNAPOLIS MD 21401 1 03/21/01 00 0432795144 05 05/01/01 0 24020000062 O 04/01/31 0 4769257 E82/G01 F 320,000.00 ZZ 360 320,000.00 1 7.500 2,237.49 80 7.250 2,237.49 1 EL CAJON CA 92021 2 05/04/01 00 0400415899 05 07/01/01 0 0400415899 O 06/01/31 0 4769276 025/025 F 594,500.00 ZZ 360 593,010.54 1 7.250 4,055.54 51 7.000 4,055.54 SAN ANSELMO CA 94960 2 02/23/01 00 0138871520 05 04/01/01 0 0138871520 O 03/01/31 0 4769345 950/G01 F 225,000.00 G 360 224,828.79 1 7.375 1,554.02 60 7.125 1,554.02 REDDING CA 96003 1 04/10/01 00 0432798023 05 06/01/01 0 A5103039 O 05/01/31 0 4769352 025/025 F 353,500.00 ZZ 360 352,267.49 1 7.875 2,563.13 66 7.625 2,563.13 LA MESA CA 91941 5 12/21/00 00 0138671961 05 02/01/01 0 0138671961 O 01/01/31 0 4769403 601/G01 F 339,120.00 ZZ 360 338,848.81 1 7.125 2,284.72 80 6.875 2,284.72 AURORA CO 80015 1 04/16/01 00 0432791804 03 06/01/01 0 60480522 O 05/01/31 0 4769507 601/G01 F 579,500.00 ZZ 360 579,069.93 1 7.500 4,051.95 73 7.250 4,051.95 TEMPE AZ 85284 2 04/03/01 00 0432831535 03 06/01/01 0 1514813 O 05/01/31 0 1 4769586 601/G01 F 338,000.00 ZZ 360 337,742.81 1 7.375 2,334.48 74 7.125 2,334.48 LINCOLN NE 68516 2 04/09/01 00 0432795441 03 06/01/01 0 1515136 O 05/01/31 0 4769598 601/G01 F 474,500.00 ZZ 360 473,775.66 1 7.375 3,277.26 65 7.125 3,277.26 SPRINGFIELD IL 62707 5 03/26/01 00 0432795110 02 05/01/01 0 10445 O 04/01/31 0 4769624 025/025 F 353,900.00 ZZ 360 353,164.51 1 7.875 2,566.03 75 7.625 2,566.03 OAKLAND CA 94618 2 02/12/01 00 0138762687 05 04/01/01 0 0138762687 O 03/01/31 0 4769640 601/G01 F 319,950.00 ZZ 360 319,718.43 1 7.625 2,264.59 80 7.375 2,264.59 REDMOND WA 98052 1 04/19/01 00 0432798361 03 06/01/01 0 1542189 O 05/01/31 0 4769683 025/025 F 556,000.00 ZZ 360 554,590.62 1 6.875 3,652.53 80 6.625 3,652.53 BETHESDA MD 20816 2 02/16/01 00 0138882915 05 04/01/01 0 0138882915 O 03/01/31 0 4769725 601/G01 F 388,000.00 ZZ 360 387,362.07 1 1 7.000 2,581.37 79 6.750 2,581.37 BATON ROUGE LA 70808 2 04/02/01 00 0432796431 05 05/01/01 0 1525162 O 04/01/31 0 4769788 550/550 F 358,000.00 ZZ 360 358,000.00 1 6.950 2,369.78 49 6.700 2,369.78 KETCHUM ID 83340 2 05/01/01 00 120520221 05 07/01/01 0 120520221 O 06/01/31 0 4769822 601/G01 F 468,000.00 ZZ 360 467,652.68 1 7.500 3,272.32 77 7.250 3,272.32 OMAHA NE 68114 2 04/13/01 00 0432795953 03 06/01/01 0 1525956 O 05/01/31 0 4769925 P60/G01 F 600,000.00 ZZ 360 600,000.00 1 7.000 3,991.81 78 6.750 3,991.81 BRECKSVILLE OH 44141 2 05/21/01 00 0432850733 05 07/01/01 0 6100058416 O 06/01/31 0 4769929 601/G01 F 350,000.00 ZZ 360 349,720.12 1 7.125 2,358.01 70 6.875 2,358.01 IOWA CITY IA 52246 2 04/16/01 00 0432798999 05 06/01/01 0 15263759 O 05/01/31 0 4769963 455/G01 F 400,000.00 ZZ 360 400,000.00 1 7.875 2,900.28 57 7.625 2,900.28 DULUTH GA 30097 1 05/14/01 00 0432849826 03 07/01/01 0 1 09001290 O 06/01/31 0 4770132 601/G01 F 400,000.00 ZZ 360 399,389.37 1 7.375 2,762.71 80 7.125 2,762.71 SAINT LOUIS MO 63104 2 03/30/01 00 0432786911 05 05/01/01 0 00200129 O 04/01/31 0 4770257 601/G01 F 347,200.00 ZZ 360 346,643.05 1 7.125 2,339.15 80 6.875 2,339.15 ELK RIVER MN 55330 2 03/22/01 00 0432793081 05 05/01/01 0 15135825 O 04/01/31 0 4770307 601/G01 F 300,000.00 ZZ 360 299,542.04 1 7.375 2,072.03 71 7.125 2,072.03 FULLERTON CA 92833 1 03/14/01 00 0432795870 03 05/01/01 0 303121 O 04/01/31 0 4770380 601/G01 F 343,000.00 ZZ 360 342,476.40 1 7.375 2,369.02 74 7.125 2,369.02 CHAGRIN FALLS OH 44022 5 03/26/01 00 0432786226 05 05/01/01 0 V01952R O 04/01/31 0 4770392 601/G01 F 392,000.00 ZZ 360 391,709.07 1 7.500 2,740.93 80 7.250 2,740.93 MARIETTA GA 30062 2 04/11/01 00 0432795565 03 06/01/01 0 1520586 O 05/01/31 0 1 4770429 601/G01 F 500,000.00 ZZ 360 499,619.54 1 7.375 3,453.38 37 7.125 3,453.38 BARRINGTON RI 02806 1 04/16/01 00 0432792315 05 06/01/01 0 60496361 O 05/01/31 0 4770442 601/G01 F 310,000.00 ZZ 360 309,526.77 1 7.375 2,141.10 74 7.125 2,141.10 COLUMBIA SC 29206 2 04/02/01 00 0432796357 05 05/01/01 0 110976 O 04/01/31 0 4770444 601/G01 F 296,000.00 ZZ 360 295,785.76 1 7.625 2,095.07 80 7.375 2,095.07 EVANSTON IL 60201 2 04/10/01 00 0432787091 05 06/01/01 0 15140197 O 05/01/31 0 4770760 601/G01 F 410,000.00 ZZ 360 409,688.02 1 7.375 2,831.77 79 7.125 2,831.77 LIVINGSTON TOWN NJ 07039 1 04/12/01 00 0432795813 05 06/01/01 0 15144900 O 05/01/31 0 4771125 601/G01 F 340,000.00 ZZ 360 339,728.10 1 7.125 2,290.65 67 6.875 2,290.65 BROOMFIELD CO 80020 1 04/13/01 00 0432784007 05 06/01/01 0 6047081 O 05/01/31 0 4771735 025/025 F 324,000.00 ZZ 360 322,291.99 1 7.625 2,293.26 80 7.375 2,293.26 1 EL CAJON CA 92020 1 02/24/01 00 0138852504 05 04/01/01 0 0138852504 O 03/01/31 0 4771942 025/025 F 300,000.00 ZZ 360 299,144.80 1 7.750 2,149.24 80 7.500 2,149.24 ATLANTA GA 30319 2 01/26/01 00 0137928248 05 03/01/01 0 0137928248 O 02/01/31 0 4772050 025/025 F 308,750.00 ZZ 360 307,486.09 1 8.000 2,265.50 95 7.750 2,265.50 RAVENSDALE WA 98051 1 11/20/00 12 138407184 05 01/01/01 30 138407184 O 12/01/30 0 4772189 025/025 F 340,000.00 ZZ 360 338,900.95 1 8.250 2,554.31 53 8.000 2,554.31 SAN DIEGO CA 92106 5 12/13/00 00 0138672555 05 02/01/01 0 0138672555 O 01/01/31 0 4772215 025/025 F 350,000.00 ZZ 354 348,756.49 1 8.000 2,578.74 47 7.750 2,578.74 MIDDLETOWN VA 22645 4 12/21/00 00 0130011745 05 02/01/01 0 0130011745 O 07/01/30 0 4772266 025/025 F 583,000.00 ZZ 360 581,757.57 1 7.750 4,176.69 64 7.500 4,176.69 ALAMO CA 94507 2 02/01/01 00 0138762802 03 04/01/01 0 0138762802 O 03/01/31 0 1 4772435 025/025 F 330,000.00 ZZ 360 226,872.12 1 7.625 2,335.72 77 7.375 2,335.72 PORTLAND OR 97229 1 12/07/00 00 0138563101 05 02/01/01 0 0138563101 O 01/01/31 0 4772504 F89/G01 F 418,800.00 ZZ 360 418,800.00 1 7.250 2,856.95 80 7.000 2,856.95 LA VERNE CA 91750 1 05/11/01 00 0432822252 05 07/01/01 0 11789288928 O 06/01/31 0 4772507 025/025 F 352,000.00 T 360 350,772.75 1 7.875 2,552.25 80 7.625 2,552.25 MARCO ISLAND FL 34145 1 12/21/00 00 0130127640 05 02/01/01 0 0130127640 O 01/01/31 0 4772620 025/025 F 513,600.00 ZZ 360 512,854.18 1 7.625 3,635.23 80 7.375 3,635.23 DULUTH GA 30097 1 03/30/01 00 0138952973 03 05/01/01 0 0138952973 O 04/01/31 0 4772730 B57/G01 F 384,000.00 ZZ 360 384,000.00 1 7.125 2,587.08 80 6.875 2,587.08 MANHATTAN BEACH CA 90266 1 05/01/01 00 0432816544 05 07/01/01 0 2112456 O 06/01/31 0 4772851 F60/G01 F 311,200.00 ZZ 360 311,200.00 1 1 7.375 2,149.38 80 7.125 2,149.38 KENNER LA 70065 1 05/15/01 00 0432853794 05 07/01/01 0 12835155 O 06/01/31 0 4772861 025/025 F 380,000.00 ZZ 360 379,190.18 1 7.750 2,722.37 80 7.500 2,722.37 VIRGINIA BEACH VA 23452 1 02/28/01 00 137792958 05 04/01/01 0 137792958 O 03/01/31 0 4772973 025/025 F 291,200.00 ZZ 360 290,744.29 1 7.250 1,986.50 80 7.000 1,986.50 LEE'S SUMMIT MO 64086 2 03/21/01 00 0138786116 03 05/01/01 0 0138786116 O 04/01/31 0 4772986 025/025 F 461,600.00 ZZ 360 461,221.63 1 7.000 3,071.04 80 6.750 3,071.04 WELLESLEY MA 02482 1 04/04/01 00 0138824339 05 06/01/01 0 0138824339 O 05/01/31 0 4773201 025/025 F 396,000.00 ZZ 360 394,813.37 1 7.500 2,768.89 80 7.250 2,768.89 SAN DIEGO CA 92121 1 01/19/01 00 0138677315 03 03/01/01 0 0138677315 O 02/01/31 0 4773231 E85/G01 F 349,000.00 ZZ 360 348,727.74 1 7.250 2,380.80 71 7.000 2,380.80 NOVATO CA 94945 1 04/18/01 00 0432783918 05 06/01/01 0 1 9609561 O 05/01/31 0 4773261 964/G01 F 481,000.00 ZZ 360 481,000.00 1 7.125 3,240.59 49 6.875 3,240.59 SAN FRANCISCO CA 94133 2 05/15/01 00 0432829604 05 07/01/01 0 400109946 O 06/01/31 0 4773284 624/G01 F 406,000.00 ZZ 360 406,000.00 1 7.875 2,943.78 65 7.625 2,943.78 SANTA CRUZ CA 95060 5 05/09/01 00 0432825719 05 07/01/01 0 88615010356F O 06/01/31 0 4773321 025/025 F 400,000.00 T 360 396,792.27 1 7.750 2,865.65 74 7.500 2,865.65 ORMOND BEACH FL 32176 1 02/26/01 00 0025546417 05 04/01/01 0 0025546417 O 03/01/31 0 4773329 025/025 F 334,000.00 ZZ 360 333,001.98 1 7.625 2,364.04 80 7.375 2,364.04 FREMONT CA 94555 2 01/30/01 00 138762786 03 03/01/01 0 138762786 O 02/01/31 0 4773435 D03/D03 F 359,249.00 ZZ 360 358,975.64 1 7.375 2,481.24 60 7.125 2,481.24 PALO ALTO CA 94306 5 04/23/01 00 1101489 05 06/01/01 0 1101489 O 05/01/31 0 1 4773641 025/025 F 341,600.00 ZZ 360 340,834.68 1 7.500 2,388.52 54 7.250 2,388.52 SARATOGA CA 95070 2 02/13/01 00 0138841523 05 04/01/01 0 0138841523 O 03/01/31 0 4773651 025/025 F 585,000.00 ZZ 360 584,014.25 1 6.875 3,843.03 80 6.625 3,843.03 PORTLAND OR 97209 1 03/28/01 00 139003545 08 05/01/01 0 139003545 O 04/01/31 0 4773742 025/025 F 462,000.00 ZZ 360 461,240.39 1 7.000 3,073.70 70 6.750 3,073.70 HAYWARD CA 94544 2 02/28/01 00 0130162480 03 05/01/01 0 0130162480 O 04/01/31 0 4773782 025/025 F 432,000.00 ZZ 360 431,323.94 1 7.250 2,947.01 83 7.000 2,947.01 NOKESVILLE VA 20181 2 03/19/01 10 0138634506 03 05/01/01 12 0138634506 O 04/01/31 0 4774330 253/253 F 336,000.00 ZZ 360 335,750.63 1 7.500 2,349.37 80 7.250 2,349.37 DRIPPING SPRING TX 78620 2 04/13/01 19 953440 05 06/01/01 25 953440 O 05/01/31 0 4775395 B60/G01 F 339,650.00 ZZ 360 339,650.00 1 7.500 2,374.88 79 7.250 2,374.88 1 ANTIOCH CA 94509 2 05/01/01 00 0432863207 05 07/01/01 0 328944 O 06/01/31 0 4775878 E22/G01 F 348,000.00 ZZ 360 348,000.00 1 7.500 2,433.27 80 7.250 2,433.27 BREA CA 92821 1 05/04/01 00 0412565780 05 07/01/01 0 0412565780 O 06/01/31 0 4775879 E22/G01 F 420,000.00 ZZ 360 420,000.00 1 7.375 2,900.84 70 7.125 2,900.84 AUBURN WA 98092 5 05/04/01 00 0412567158 05 07/01/01 0 0412567158 O 06/01/31 0 4775891 E22/G01 F 535,000.00 T 360 535,000.00 1 7.500 3,740.80 57 7.250 3,740.80 BAYFIELD CO 81122 2 05/09/01 00 0412583064 05 07/01/01 0 0412583064 O 06/01/31 0 4775911 E22/G01 F 341,600.00 ZZ 360 341,600.00 1 7.125 2,301.42 57 6.875 2,301.42 HOLLISTER CA 95023 2 05/02/01 00 0412606790 05 07/01/01 0 0412606790 O 06/01/31 0 4775946 E33/G01 F 479,700.00 ZZ 360 479,700.00 1 7.250 3,272.40 66 7.000 3,272.40 LAKE BLUFF IL 60044 2 05/03/01 00 0432785996 05 07/01/01 0 01006396 O 06/01/31 0 1 4776133 025/025 F 309,000.00 ZZ 360 308,491.94 1 7.000 2,055.79 57 6.750 2,055.79 WATSONVILLE CA 95076 2 03/01/01 00 0138871249 05 05/01/01 0 0138871249 O 04/01/31 0 4776135 E85/G01 F 511,000.00 ZZ 360 510,630.15 1 7.625 3,616.83 70 7.375 3,616.83 NOVATO CA 94947 5 04/12/01 00 0432819530 05 06/01/01 0 9609686 O 05/01/31 0 4776143 025/025 F 344,000.00 ZZ 360 343,209.88 1 7.375 2,375.93 69 7.125 2,375.93 LIVERMORE CA 94550 2 02/20/01 00 0138871215 05 04/01/01 0 0138871215 O 03/01/31 0 4776256 025/025 F 303,600.00 ZZ 360 303,020.71 1 7.250 2,071.09 66 7.000 2,071.09 BOONES MILL VA 24065 5 03/23/01 00 130195761 05 05/01/01 0 130195761 O 04/01/31 0 4776303 025/025 F 485,000.00 ZZ 360 482,616.71 1 7.875 3,516.59 70 7.625 3,516.59 LAKE OSWEGO OR 97034 1 10/24/00 00 0138460274 05 12/01/00 0 0138460274 O 11/01/30 0 4776374 025/025 F 495,000.00 ZZ 360 493,863.05 1 1 7.375 3,418.85 75 7.125 3,418.85 MOORESVILLE NC 28117 5 02/07/01 00 0138706643 03 04/01/01 0 0138706643 O 03/01/31 0 4776409 550/550 F 305,000.00 ZZ 360 305,000.00 1 7.400 2,111.76 39 7.150 2,111.76 SAN CARLOS CA 94070 5 04/25/01 00 120524140 09 07/01/01 0 120524140 O 06/01/31 0 4776420 025/025 F 430,000.00 ZZ 360 429,083.61 1 7.750 3,080.58 77 7.500 3,080.58 ESCONDIDO CA 92029 5 02/20/01 00 0138849609 05 04/01/01 0 0138849609 O 03/01/31 0 4776456 025/025 F 343,500.00 ZZ 360 342,711.04 1 7.375 2,372.47 50 7.125 2,372.47 HAYWARD CA 94542 2 02/27/01 00 0138763842 03 04/01/01 0 0138763842 O 03/01/31 0 4776527 025/025 F 390,000.00 ZZ 360 389,358.78 1 7.000 2,594.68 61 6.750 2,594.68 HAYWARD CA 94544 5 03/05/01 00 130159999 03 05/01/01 0 130159999 O 04/01/31 0 4776588 025/025 F 381,000.00 ZZ 360 378,271.16 1 7.625 2,696.69 60 7.375 2,696.69 SUDBURY MA 01776 2 01/22/01 00 138604855 05 03/01/01 0 1 138604855 O 02/01/31 0 4776705 025/025 F 364,000.00 ZZ 360 363,204.61 1 7.625 2,576.37 80 7.375 2,576.37 PLEASANTON CA 94586 2 02/12/01 00 0138763941 03 04/01/01 0 0138763941 O 03/01/31 0 4776858 253/253 F 292,692.00 ZZ 360 292,485.41 1 7.750 2,096.89 71 7.500 2,096.89 FORT WORTH TX 76179 4 04/18/01 00 950655 05 06/01/01 0 950655 O 05/01/31 0 4776891 N47/G01 F 336,000.00 ZZ 360 335,737.89 1 7.250 2,292.11 80 7.000 2,292.11 LOS ANGELES CA 90066 1 04/26/01 00 0432828044 05 06/01/01 0 30210239 O 05/01/31 0 4777112 025/025 F 403,200.00 ZZ 360 402,318.97 1 7.625 2,853.82 80 7.375 2,853.82 ORMOND BEACH FL 32174 1 02/09/01 00 0025270463 05 04/01/01 0 0025270463 O 03/01/31 0 4777227 L94/G01 F 375,000.00 ZZ 360 374,398.46 1 7.125 2,526.44 79 6.875 2,526.44 SANDY UT 84093 1 03/29/01 00 0432831964 05 05/01/01 0 1000003244 O 04/01/31 0 1 4777507 025/025 F 545,000.00 ZZ 300 542,441.24 1 7.375 3,983.30 63 7.125 3,983.30 ROSWELL GA 30075 5 01/24/01 00 0138765193 05 03/01/01 0 0138765193 O 02/01/26 0 4777741 025/025 F 373,500.00 ZZ 360 372,915.50 1 7.250 2,547.93 68 7.000 2,547.93 FALLS CHURCH VA 22043 4 03/26/01 00 0110632148 05 05/01/01 0 0110632148 O 04/01/31 0 4777949 G52/G01 F 352,000.00 ZZ 360 351,732.15 1 7.375 2,431.18 80 7.125 2,431.18 TUCSON AZ 85737 5 04/12/01 00 0432862746 05 06/01/01 0 97004118 O 05/01/31 0 4778769 964/G01 F 432,000.00 ZZ 360 432,000.00 1 7.500 3,020.61 74 7.250 3,020.61 MISSION VIEJO CA 92692 2 05/17/01 00 0432853729 03 07/01/01 0 122250 O 06/01/31 0 4778872 B60/G01 F 327,200.00 ZZ 360 327,200.00 1 7.625 2,315.90 80 7.375 2,315.90 LIBERTYVILLE IL 60048 1 05/15/01 00 0432829299 03 07/01/01 0 328968 O 06/01/31 0 4778902 025/025 F 312,550.00 ZZ 360 312,010.29 1 6.750 2,027.19 77 6.500 2,027.19 1 WINCHESTER MA 01890 2 03/08/01 00 0138733654 05 05/01/01 0 0138733654 O 04/01/31 0 4778973 025/025 F 376,000.00 ZZ 360 375,440.16 1 7.500 2,629.05 80 7.250 2,629.05 DELAND FL 32724 1 03/15/01 00 0138656616 05 05/01/01 0 0138656616 O 04/01/31 0 4778974 026/G01 F 328,500.00 ZZ 360 328,500.00 1 7.125 2,213.17 90 6.875 2,213.17 SPARTANBURG SC 29301 1 05/04/01 04 0432840767 05 07/01/01 25 0201061635 O 06/01/31 0 4779140 025/025 F 305,000.00 ZZ 360 304,486.07 1 6.875 2,003.63 76 6.625 2,003.63 PLEASANTON CA 94588 1 03/26/01 00 0130214094 07 05/01/01 0 0130214094 O 04/01/31 0 4779192 B60/G01 F 335,000.00 ZZ 360 334,738.67 1 7.250 2,285.29 78 7.000 2,285.29 TRABUCO CANYON CA 92679 2 04/05/01 00 0432822591 03 06/01/01 0 321307 O 05/01/31 0 4779194 025/025 F 565,100.00 ZZ 360 564,258.61 1 7.500 3,951.26 79 7.250 3,951.26 ORLANDO FL 32821 2 03/09/01 00 0021990007 05 05/01/01 0 0021990007 O 04/01/31 0 1 4779356 964/G01 F 420,000.00 ZZ 360 419,696.02 1 7.625 2,972.73 80 7.375 2,972.73 YORBA LINDA CA 92886 1 04/17/01 00 0432793891 03 06/01/01 0 116858 O 05/01/31 0 4779619 B60/G01 F 473,200.00 ZZ 360 472,857.51 1 7.625 3,349.28 62 7.375 3,349.28 HUNTINGTON BEAC CA 92648 2 04/04/01 00 0432836302 03 06/01/01 0 31847 O 05/01/31 0 4779671 B60/G01 F 330,000.00 ZZ 360 329,742.57 1 7.250 2,251.18 63 7.000 2,251.18 LOS ANGELES CA 91436 2 04/06/01 00 0432827921 05 06/01/01 0 321284 O 05/01/31 0 4779793 964/G01 F 370,000.00 ZZ 360 370,000.00 1 7.375 2,555.50 71 7.125 2,555.50 ELK GROVE CA 95624 2 05/10/01 00 0432825388 05 07/01/01 0 120400 O 06/01/31 0 4779840 025/025 F 300,000.00 ZZ 360 299,166.00 1 7.875 2,175.21 78 7.625 2,175.21 SAN JOSE CA 95123 1 01/01/01 00 0138184924 05 03/01/01 0 0138184924 O 02/01/31 0 4779856 L20/G01 F 405,000.00 ZZ 360 405,000.00 1 1 7.375 2,797.23 54 7.125 2,797.23 SANDY UT 84092 2 05/16/01 00 0432840866 05 07/01/01 0 283090 O 06/01/31 0 4779869 069/G01 F 345,800.00 ZZ 360 345,800.00 1 6.875 2,271.66 66 6.625 2,271.66 ANAHEIM CA 92807 5 05/14/01 00 0432861516 03 07/01/01 0 22288135876 O 06/01/31 0 4779901 025/025 F 300,000.00 ZZ 360 299,310.95 1 7.375 2,072.03 78 7.125 2,072.03 BERKELY CA 94702 1 02/14/01 00 0138871108 05 04/01/01 0 0138871108 O 03/01/31 0 4780002 025/025 F 517,500.00 ZZ 360 516,748.52 1 7.625 3,662.83 75 7.375 3,662.83 WINTER GARDEN FL 34787 5 03/08/01 00 0021879051 03 05/01/01 0 0021879051 O 04/01/31 0 4780290 025/025 F 307,000.00 ZZ 360 306,766.40 1 7.375 2,120.37 70 7.125 2,120.37 CHANTILLY VA 20152 1 04/05/01 00 0138784525 03 06/01/01 0 0138784525 O 05/01/31 0 4780510 025/025 F 346,000.00 ZZ 360 345,471.82 1 7.375 2,389.74 79 7.125 2,389.74 CARLSBAD CA 92008 2 03/15/01 00 0138679204 03 05/01/01 0 1 0138679204 O 04/01/31 0 4780555 025/025 F 570,600.00 ZZ 360 569,707.07 1 7.250 3,892.50 80 7.000 3,892.50 LAGUNA NIGUEL CA 92677 2 03/06/01 00 138736079 03 05/01/01 0 138736079 O 04/01/31 0 4780661 253/253 F 368,000.00 ZZ 360 367,719.98 1 7.375 2,541.69 80 7.125 2,541.69 SANTA MONICA CA 90404 1 04/24/01 00 968073 01 06/01/01 0 968073 O 05/01/31 0 4780739 025/025 F 336,000.00 ZZ 360 335,189.13 1 7.125 2,263.69 80 6.875 2,263.69 SAN ANTONIO TX 78258 2 02/19/01 00 138736590 03 04/01/01 0 138736590 O 03/01/31 0 4780873 696/G01 F 432,000.00 ZZ 360 432,000.00 1 7.375 2,983.72 80 7.125 2,983.72 ARLINGTON VA 22207 2 05/03/01 00 0432776888 05 07/01/01 0 22601085 O 06/01/31 0 4781043 025/025 F 435,000.00 ZZ 360 434,284.78 1 7.000 2,894.07 74 6.750 2,894.07 BROOKEVILLE MD 20833 2 03/09/01 00 0138778584 03 05/01/01 0 0138778584 O 04/01/31 0 1 4781176 964/G01 F 341,150.00 ZZ 360 340,896.82 1 7.500 2,385.37 72 7.250 2,385.37 PARKER CO 80134 2 04/09/01 00 0432807881 05 06/01/01 0 115463 O 05/01/31 0 4781216 025/025 F 405,000.00 ZZ 360 404,381.75 1 7.375 2,797.24 75 7.125 2,797.24 ASHBURN VA 20147 2 03/19/01 00 0130197148 03 05/01/01 0 0130197148 O 04/01/31 0 4781367 964/G01 F 399,950.00 ZZ 360 399,950.00 1 7.125 2,694.54 53 6.875 2,694.54 FULLERTON CA 92835 1 05/14/01 00 0432825529 05 07/01/01 0 410123663 O 06/01/31 0 4781659 964/G01 F 424,500.00 ZZ 360 424,500.00 1 7.500 2,968.17 63 7.250 2,968.17 SANTA BARBARA CA 93110 2 05/18/01 00 0432838951 05 07/01/01 0 119753 O 06/01/31 0 4782496 964/G01 F 324,000.00 ZZ 360 324,000.00 1 7.250 2,210.25 75 7.000 2,210.25 FOUNTAIN VALLEY CA 92708 2 05/15/01 00 0432830313 05 07/01/01 0 118215 O 06/01/31 0 4782754 025/025 F 328,000.00 ZZ 360 327,535.49 1 7.750 2,349.84 80 7.500 2,349.84 1 ORLANDO FL 32803 1 03/12/01 00 0138653845 05 05/01/01 0 0138653845 O 04/01/31 0 4782757 025/025 F 324,000.00 ZZ 360 323,198.57 1 7.000 2,155.59 80 6.750 2,155.59 REDONDO BEACH CA 90278 1 02/23/01 00 0138850573 01 04/01/01 0 0138850573 O 03/01/31 0 4782773 E22/G01 F 339,900.00 ZZ 360 339,900.00 1 7.125 2,289.97 85 6.875 2,289.97 ISSAQUAH WA 98027 2 05/02/01 04 0412579971 05 07/01/01 12 0412579971 O 06/01/31 0 4782799 E22/G01 F 270,000.00 ZZ 360 270,000.00 1 7.750 1,934.31 85 7.500 1,934.31 BALDWIN NY 11510 1 05/10/01 04 0412615213 05 07/01/01 12 0412615213 O 06/01/31 0 4782800 E22/G01 F 282,000.00 ZZ 360 282,000.00 1 7.375 1,947.70 71 7.125 1,947.70 CYPRESS CA 90630 2 05/04/01 00 0412615700 05 07/01/01 0 0412615700 O 06/01/31 0 4782818 025/025 F 368,000.00 ZZ 360 367,465.59 1 7.625 2,604.69 64 7.375 2,604.69 HERNDON VA 20170 5 03/22/01 00 0130171770 05 05/01/01 0 0130171770 O 04/01/31 0 1 4782849 025/025 F 470,000.00 ZZ 360 468,998.39 1 7.750 3,367.14 74 7.500 3,367.14 BETHESDA MD 20817 2 02/02/01 00 0138702063 05 04/01/01 0 0138702063 O 03/01/31 0 4782862 025/025 F 419,500.00 ZZ 360 418,583.34 1 7.625 2,969.19 80 7.375 2,969.19 LEAWOOD KS 66224 2 01/31/01 00 0138587340 05 04/01/01 0 0138587340 O 03/01/31 0 4782894 025/025 F 595,150.00 ZZ 360 593,783.03 1 7.375 4,110.56 80 7.125 4,110.56 CAMPBELL CA 95008 2 02/16/01 00 0138763776 03 04/01/01 0 0138763776 O 03/01/31 0 4782924 E82/G01 F 383,000.00 ZZ 360 383,000.00 1 7.500 2,677.99 60 7.250 2,677.99 IRVINGTON NY 10533 2 05/09/01 00 0400405635 05 07/01/01 0 0400405635 O 06/01/31 0 4782946 025/025 F 561,500.00 ZZ 360 560,242.03 1 7.500 3,926.09 77 7.250 3,926.09 LA JOLLA CA 92037 1 02/22/01 00 0138850128 05 04/01/01 0 0138850128 O 03/01/31 0 4783093 025/025 F 388,000.00 ZZ 360 387,362.07 1 1 7.000 2,581.37 62 6.750 2,581.37 HAYWARD CA 94544 2 03/08/01 00 130175375 03 05/01/01 0 130175375 O 04/01/31 0 4783144 025/025 F 285,400.00 T 351 284,700.61 1 7.875 2,082.59 79 7.625 2,082.59 GORDA FL 33950 4 02/27/01 00 0021343629 05 04/01/01 0 0021343629 O 06/01/30 0 4783204 025/025 F 400,000.00 ZZ 360 399,103.84 1 7.500 2,796.86 46 7.250 2,796.86 MEDFIELD MA 02052 2 02/07/01 00 138627542 05 04/01/01 0 138627542 O 03/01/31 0 4783241 025/025 F 412,000.00 ZZ 360 411,339.10 1 7.125 2,775.72 80 6.875 2,775.72 SAN JOSE CA 95130 1 03/22/01 00 0138759469 05 05/01/01 0 0138759469 O 04/01/31 0 4783268 A06/G01 F 305,600.00 ZZ 360 305,378.81 1 7.625 2,163.02 80 7.375 2,163.02 MILFORD MI 48380 2 04/30/01 00 0432822286 03 06/01/01 0 021000020021716 O 05/01/31 0 4783369 025/025 F 376,900.00 ZZ 360 375,863.19 1 6.750 2,444.57 80 6.500 2,444.57 FRONT ROYAL VA 22630 4 03/26/01 00 0130063704 05 05/01/01 0 1 0130063704 O 04/01/31 0 4783661 W64/G01 F 700,000.00 ZZ 360 698,904.59 1 7.250 4,775.23 54 7.000 4,775.23 ROSLYN ESTATES NY 11576 1 03/27/01 00 0432819340 05 05/01/01 0 7128002 O 04/01/31 0 4783708 K68/G01 F 444,000.00 ZZ 360 444,000.00 1 7.125 2,991.32 80 6.875 2,991.32 HATTIESBURG MS 39402 2 05/22/01 00 0432854529 05 07/01/01 0 1168160 O 06/01/31 0 4784344 227/G01 F 340,000.00 ZZ 360 339,741.28 1 7.375 2,348.30 80 7.125 2,348.30 CAMPBELL CA 95008 1 04/20/01 00 0432829745 03 06/01/01 0 1916856 O 05/01/31 0 4784817 025/025 F 400,000.00 ZZ 360 398,278.51 1 7.750 2,865.65 47 7.500 2,865.65 WOODINVILLE WA 98072 1 11/02/00 00 0138409628 03 01/01/01 0 0138409628 O 12/01/30 0 4784943 025/025 F 460,000.00 ZZ 360 459,205.65 1 6.750 2,983.56 72 6.500 2,983.56 FAIRFIELD CT 06430 1 03/12/01 00 0138641808 05 05/01/01 0 0138641808 O 04/01/31 0 1 4784980 964/G01 F 399,950.00 ZZ 360 399,653.18 1 7.500 2,796.51 80 7.250 2,796.51 HUNTINGTON BEAC CA 92648 2 04/27/01 00 0432826956 05 06/01/01 0 116948 O 05/01/31 0 4785083 025/025 F 455,000.00 ZZ 360 454,005.74 1 7.625 3,220.47 64 7.375 3,220.47 LAKE FOREST IL 60045 5 02/09/01 00 0138486444 05 04/01/01 0 0138486444 O 03/01/31 0 4785089 025/025 F 336,000.00 ZZ 360 334,888.64 1 7.000 2,235.42 80 6.750 2,235.42 NAPERVILLE IL 60564 1 01/31/01 00 0138614144 03 03/01/01 0 0138614144 O 02/01/31 0 4785184 964/G01 F 568,000.00 ZZ 360 568,000.00 1 7.250 3,874.76 80 7.000 3,874.76 EL DORADO HILLS CA 95762 1 05/17/01 00 0432850717 05 07/01/01 0 121782 O 06/01/31 0 4785255 025/025 F 414,400.00 ZZ 360 413,516.85 1 7.750 2,968.82 80 7.500 2,968.82 HUNTINGTON BEAC CA 92647 2 02/16/01 00 0138684394 05 04/01/01 0 0138684394 O 03/01/31 0 4785296 025/025 F 329,000.00 ZZ 360 328,221.09 1 7.375 2,272.32 77 7.125 2,272.32 1 VACAVILLE CA 95688 2 03/11/01 00 0130186737 05 05/01/01 0 0130186737 O 04/01/31 0 4785363 964/G01 F 323,000.00 ZZ 360 323,000.00 1 7.125 2,176.11 74 6.875 2,176.11 SAN JOSE CA 95118 2 05/08/01 00 0432825339 05 07/01/01 0 400121922 O 06/01/31 0 4785454 757/G01 F 312,000.00 ZZ 346 312,000.00 1 7.250 2,152.85 80 7.000 2,152.85 DAWSONVILLE GA 30534 2 05/07/01 00 0432850691 05 07/01/01 0 8752958 O 04/01/30 0 4785504 025/025 F 400,000.00 ZZ 360 399,103.84 1 7.500 2,796.86 59 7.250 2,796.86 RESTON VA 20194 5 02/22/01 00 0138803663 03 04/01/01 0 0138803663 O 03/01/31 0 4785999 950/G01 F 335,950.00 ZZ 360 335,700.67 1 7.500 2,349.02 79 7.250 2,349.02 CARNATION WA 98014 2 04/18/01 00 0432827285 05 06/01/01 0 E1103198 O 05/01/31 0 4786040 025/025 F 430,000.00 ZZ 360 429,343.61 1 7.375 2,969.90 64 7.125 2,969.90 LAFAYETTE CA 94549 5 03/23/01 00 130188493 05 05/01/01 0 130188493 O 04/01/31 0 1 4786196 025/025 F 356,400.00 ZZ 360 355,601.50 1 7.500 2,492.01 70 7.250 2,492.01 LAGUNA HILLS CA 92653 2 02/20/01 00 138763834 05 04/01/01 0 138763834 O 03/01/31 0 4786258 025/025 F 550,000.00 ZZ 360 549,095.69 1 7.000 3,659.17 50 6.750 3,659.17 SAN JOSE CA 95135 5 03/01/01 00 0138871124 05 05/01/01 0 0138871124 O 04/01/31 0 4786294 E85/G01 F 389,500.00 ZZ 360 389,225.09 1 7.750 2,790.43 74 7.500 2,790.43 SAN ANSELMO CA 94960 5 04/27/01 00 0432833978 05 06/01/01 0 9609456 O 05/01/31 0 4786398 025/025 F 410,000.00 ZZ 360 409,358.37 1 7.250 2,796.93 67 7.000 2,796.93 SAN CLEMENTE CA 92672 1 03/05/01 00 0138851431 05 05/01/01 0 0138851431 O 04/01/31 0 4786563 025/025 F 388,000.00 ZZ 360 387,040.28 1 7.000 2,581.38 72 6.750 2,581.38 PLEASANTON CA 94588 5 02/23/01 00 0138871199 05 04/01/01 0 0138871199 O 03/01/31 0 4786626 025/025 F 338,000.00 ZZ 360 333,415.55 1 1 7.375 2,334.49 79 7.125 2,334.49 WEST BLOOMFIELD MI 48324 2 03/21/01 00 138817333 03 05/01/01 0 138817333 O 04/01/31 0 4786750 H58/G01 F 302,250.00 ZZ 360 302,250.00 1 7.500 2,113.38 80 7.250 2,113.38 PITTSBURG CA 94565 1 05/16/01 00 0432854719 05 07/01/01 0 0000063493 O 06/01/31 0 4786766 025/025 F 358,250.00 ZZ 360 357,524.02 1 8.000 2,628.72 80 7.750 2,628.72 SAN RAMON CA 94583 2 02/21/01 00 0138842950 05 04/01/01 0 0138842950 O 03/01/31 0 4787015 822/G01 F 360,000.00 ZZ 360 360,000.00 1 7.500 2,517.18 80 7.250 2,517.18 WAYNE PA 19087 2 05/16/01 00 0432855971 05 07/01/01 0 3626060101 O 06/01/31 0 4787037 025/025 F 478,000.00 ZZ 360 477,112.20 1 6.375 2,982.10 65 6.125 2,982.10 SAN DIEGO CA 92037 1 03/23/01 00 0139011654 05 05/01/01 0 0139011654 O 04/01/31 0 4787053 025/025 F 321,500.00 ZZ 360 321,033.13 1 7.625 2,275.56 78 7.375 2,275.56 WILDWOOD MO 63038 2 03/09/01 00 0138829650 03 05/01/01 0 1 0138829650 O 04/01/31 0 4787241 964/G01 F 333,000.00 ZZ 360 332,733.71 1 7.125 2,243.48 78 6.875 2,243.48 LAS VEGAS NV 89144 2 04/26/01 00 0432818912 03 06/01/01 0 118040 O 05/01/31 0 4787259 025/025 F 330,800.00 ZZ 360 330,307.47 1 7.500 2,313.00 80 7.250 2,313.00 ST BEVERLY MA 01915 1 03/19/01 00 0138808191 05 05/01/01 0 0138808191 O 04/01/31 0 4787356 025/025 F 333,000.00 ZZ 360 332,740.23 1 7.250 2,271.65 67 7.000 2,271.65 NAPERVILLE IL 60564 2 04/03/01 00 0138800941 05 06/01/01 0 0138800941 O 05/01/31 0 4787445 025/025 F 419,500.00 ZZ 346 418,463.28 1 7.500 2,965.30 60 7.250 2,965.30 TAMPA FL 33647 1 02/27/01 00 0008073827 03 04/01/01 0 0008073827 O 01/01/30 0 4788161 U05/G01 F 90,250.00 ZZ 360 90,187.89 1 7.875 654.38 91 7.625 654.38 COLUMBIA SC 29210 2 03/30/01 11 0432823250 05 06/01/01 30 3104128 O 05/01/31 0 1 4788391 696/G01 F 368,000.00 ZZ 360 368,000.00 1 7.250 2,510.41 62 7.000 2,510.41 ARLINGTON VA 22205 1 05/11/01 00 0432783157 03 07/01/01 0 22301067 O 06/01/31 0 4788394 696/G01 F 509,000.00 ZZ 360 509,000.00 1 7.375 3,515.54 73 7.125 3,515.54 MCLEAN VA 22102 2 05/04/01 00 0432783173 05 07/01/01 0 25101134 O 06/01/31 0 4788403 369/G01 F 289,000.00 ZZ 360 289,000.00 1 7.500 2,020.73 73 7.250 2,020.73 OVILLA TX 75154 2 05/18/01 00 0432853638 05 07/01/01 0 15842682 O 06/01/31 0 4788612 624/G01 F 124,400.00 ZZ 360 124,400.00 1 7.500 869.82 95 7.250 869.82 UNIVERSITY PLAC WA 98466 2 05/23/01 11 0432861839 01 07/01/01 30 85040810833F O 06/01/31 0 4789295 964/G01 F 399,950.00 ZZ 360 399,950.00 1 7.250 2,728.36 71 7.000 2,728.36 SAN JOSE CA 95118 5 05/23/01 00 0432855633 05 07/01/01 0 124770 O 06/01/31 0 4789762 975/G01 F 301,200.00 ZZ 360 301,200.00 1 7.750 2,157.83 80 7.500 2,157.83 1 FOUNTAIN VALLEY CA 92708 1 05/21/01 00 0432847689 05 07/01/01 0 2012589 O 06/01/31 0 4789875 964/G01 F 370,000.00 ZZ 360 370,000.00 1 7.500 2,587.09 51 7.250 2,587.09 SAN RAFAEL CA 94901 1 05/18/01 00 0432844025 03 07/01/01 0 0466684 O 06/01/31 0 4790163 E22/G01 F 338,000.00 ZZ 360 337,729.71 1 7.125 2,277.17 75 6.875 2,277.17 LITTLETON CO 80128 2 04/27/01 00 0412488967 05 06/01/01 0 0412488967 O 05/01/31 0 4790166 E22/G01 F 780,000.00 ZZ 360 780,000.00 1 7.500 5,453.87 65 7.250 5,453.87 ENGLEWOOD CO 80111 5 05/07/01 00 0412528085 03 07/01/01 0 0412528085 O 06/01/31 0 4790182 E22/G01 F 396,000.00 ZZ 360 396,000.00 1 7.750 2,836.99 69 7.500 2,836.99 SAN BRUNO CA 94066 5 05/01/01 00 0412572422 05 07/01/01 0 0412572422 O 06/01/31 0 4790190 E22/G01 F 424,800.00 ZZ 360 424,800.00 1 7.375 2,933.99 80 7.125 2,933.99 SOUTHLAKE TX 76092 1 05/10/01 00 0412580540 03 07/01/01 0 0412580540 O 06/01/31 0 1 4790204 E22/G01 F 432,500.00 ZZ 360 432,500.00 1 7.125 2,913.83 76 6.875 2,913.83 SAN JOSE CA 95118 2 05/02/01 00 0412603599 05 07/01/01 0 0412603599 O 06/01/31 0 4790308 E82/G01 F 401,500.00 ZZ 360 401,500.00 1 7.375 2,773.06 55 7.125 2,773.06 HEWLETT HARBOR NY 11557 2 05/09/01 00 0400418240 05 07/01/01 0 0400418240 O 06/01/31 0 4790311 E82/G01 F 294,100.00 ZZ 360 294,100.00 1 7.375 2,031.28 66 7.125 2,031.28 BURLINGTON MA 01803 2 04/03/01 00 0400417804 05 07/01/01 0 0400417804 O 06/01/31 0 4790610 W64/G01 F 350,000.00 ZZ 360 348,813.69 1 6.875 2,299.25 50 6.625 2,299.25 BRONX NY 10471 1 01/25/01 00 0432819399 05 03/01/01 0 7104904 O 02/01/31 0 4790705 E76/G01 F 340,000.00 ZZ 360 339,741.28 1 7.375 2,348.30 79 7.125 2,348.30 CEDAR HILL TX 75104 2 04/30/01 00 0432829398 03 06/01/01 0 10004313 O 05/01/31 0 4791410 M96/G01 F 360,000.00 ZZ 360 360,000.00 1 1 7.375 2,486.43 68 7.125 2,486.43 CALEDONIA MI 49316 2 05/24/01 00 0432855716 05 07/01/01 0 200101033 O 06/01/31 0 4793285 964/G01 F 400,000.00 ZZ 360 400,000.00 1 6.875 2,627.72 66 6.625 2,627.72 FREMONT CA 94536 5 05/30/01 00 0432852663 03 07/01/01 0 400124749 O 06/01/31 0 4793301 025/025 F 348,000.00 ZZ 360 347,200.71 1 7.375 2,403.55 80 7.125 2,403.55 WASHINGTON DC 20016 1 02/15/01 00 FFNM0138882014 05 04/01/01 0 FFNM0138882014 O 03/01/31 0 4793380 470/G01 F 309,000.00 ZZ 360 309,000.00 1 7.375 2,134.19 56 7.125 2,134.19 CHICO CA 95973 5 05/21/01 00 0432854180 05 07/01/01 0 18023287 O 06/01/31 0 4793447 025/025 F 457,600.00 ZZ 360 456,865.95 1 7.125 3,082.94 80 6.875 3,082.94 CARLSBAD CA 92009 1 03/12/01 00 FFNM0138848320 03 05/01/01 0 FFNM0138848320 O 04/01/31 0 4793489 025/025 F 319,500.00 ZZ 360 318,987.46 1 7.125 2,152.54 90 6.875 2,152.54 APEX NC 27502 1 03/29/01 12 0138947148 03 05/01/01 25 1 0138947148 O 04/01/31 0 4793628 B76/G01 F 299,000.00 ZZ 360 298,229.44 1 8.250 2,246.29 73 8.000 2,246.29 PETOSKEY MI 49770 2 01/20/01 00 0432785210 05 03/01/01 0 0000612887 O 02/01/31 0 4793667 470/G01 F 359,150.00 ZZ 360 358,848.27 1 6.875 2,359.36 80 6.625 2,359.36 NORCO CA 92860 1 04/26/01 00 0432863827 05 06/01/01 0 96031251 O 05/01/31 0 4794003 W64/G01 F 400,000.00 ZZ 360 399,695.63 1 7.375 2,762.70 60 7.125 2,762.70 SCARSDALE NY 10583 1 04/06/01 00 0432819357 05 06/01/01 0 7121908 O 05/01/31 0 4794072 025/025 F 537,850.00 ZZ 360 535,972.31 1 7.250 3,669.09 80 7.000 3,669.09 ATLANTA GA 30306 1 02/28/01 00 0138985312 05 04/01/01 0 0138985312 O 03/01/31 0 4794150 025/025 F 336,800.00 ZZ 360 336,026.42 1 7.375 2,326.20 80 7.125 2,326.20 ALEXANDRIA VA 22304 1 02/20/01 00 FNVA0138376652 05 04/01/01 0 FNVA0138376652 O 03/01/31 0 1 4794222 B76/G01 F 315,200.00 ZZ 360 314,753.62 1 7.750 2,258.14 80 7.500 2,258.14 SOLON OH 44139 1 03/07/01 00 0432813186 03 05/01/01 0 0000622159 O 04/01/31 0 4794387 964/G01 F 301,600.00 ZZ 360 301,600.00 1 6.875 1,981.30 80 6.625 1,981.30 YORBA LINDA CA 92887 1 05/21/01 00 0432843415 05 07/01/01 0 410122847 O 06/01/31 0 4794592 025/025 F 616,500.00 ZZ 360 615,048.47 1 7.250 4,205.62 80 7.000 4,205.62 OAKTON VA 22124 1 02/28/01 00 FNVA0137818472 03 04/01/01 0 FNVA0137818472 O 03/01/31 0 4795203 W64/G01 F 496,000.00 ZZ 360 495,261.58 1 7.500 3,468.10 80 7.250 3,468.10 SAG HARBOR NY 11963 1 03/08/01 00 0432819266 05 05/01/01 0 7117500 O 04/01/31 0 4795270 B76/G01 F 323,000.00 ZZ 360 322,345.47 1 8.000 2,370.06 90 7.750 2,370.06 ANN ARBOR MI 48103 1 02/15/01 10 0432813160 29 04/01/01 25 0000618918 O 03/01/31 0 4795320 025/025 F 350,000.00 ZZ 360 349,478.88 1 7.500 2,447.25 50 7.250 2,447.25 1 ST LOUIS MO 63127 2 03/16/01 00 0138776083 05 05/01/01 0 0138776083 O 04/01/31 0 4795407 B76/G01 F 302,900.00 ZZ 360 302,057.92 1 7.875 2,196.24 72 7.625 2,196.24 ROMEO MI 48065 2 01/29/01 00 0432788339 05 03/01/01 0 0000639237 O 02/01/31 0 4795409 025/025 F 415,000.00 ZZ 360 414,046.83 1 7.375 2,866.30 80 7.125 2,866.30 BOULDER CO 80304 2 02/14/01 00 0138612353 05 04/01/01 0 0138612353 O 03/01/31 0 4795554 E30/G01 F 773,400.00 ZZ 360 773,400.00 1 7.625 5,474.08 57 7.375 5,474.08 PLEASANTON CA 94566 5 05/16/01 00 0432833572 05 07/01/01 0 1010503WH O 06/01/31 0 4796012 B76/G01 F 650,000.00 ZZ 360 648,581.55 1 8.000 4,769.47 65 7.750 4,769.47 ANN ARBOR MI 48108 5 02/05/01 00 0432787927 29 04/01/01 0 0000627521 O 03/01/31 0 4796296 964/G01 F 429,000.00 ZZ 360 429,000.00 1 7.375 2,963.00 62 7.125 2,963.00 SACRAMENTO CA 95864 5 05/17/01 00 0432825560 05 07/01/01 0 121921 O 06/01/31 0 1 4797134 964/G01 F 399,900.00 ZZ 360 399,900.00 1 7.125 2,694.20 73 6.875 2,694.20 RANCHO SANTA MA CA 92688 5 05/18/01 00 0432843217 03 07/01/01 0 119902 O 06/01/31 0 4797317 624/G01 F 344,000.00 ZZ 360 344,000.00 1 7.375 2,375.92 62 7.125 2,375.92 SANTA CRUZ CA 95060 5 05/09/01 00 0432833838 05 07/01/01 0 88615010436F O 06/01/31 0 4797549 E87/G01 F 340,000.00 ZZ 360 340,000.00 1 7.250 2,319.40 80 7.000 2,319.40 GOLETA CA 93117 2 05/22/01 00 0432851517 05 07/01/01 0 70003514 O 06/01/31 0 4797708 E22/G01 F 322,000.00 ZZ 360 322,000.00 1 7.375 2,223.97 77 7.125 2,223.97 LIVERMORE CA 94550 5 05/04/01 00 0412537896 05 07/01/01 0 0412537896 O 06/01/31 0 4797711 E22/G01 F 960,000.00 ZZ 360 960,000.00 1 7.375 6,630.48 64 7.125 6,630.48 CARSON CITY NV 89704 5 05/08/01 00 0412559213 05 07/01/01 0 0412559213 O 06/01/31 0 4797747 E22/G01 F 186,000.00 ZZ 360 186,000.00 1 1 7.250 1,268.85 58 7.000 1,268.85 SAN ANTONIO TX 78258 5 05/08/01 00 0412599094 03 07/01/01 0 0412599094 O 06/01/31 0 4797766 E22/G01 F 319,900.00 ZZ 360 319,900.00 1 7.250 2,182.28 80 7.000 2,182.28 BOULDER CO 80304 1 05/14/01 00 0412611865 05 07/01/01 0 0412611865 O 06/01/31 0 4797791 E22/G01 F 298,000.00 ZZ 360 298,000.00 1 7.000 1,982.60 73 6.750 1,982.60 PARRISH FL 34219 2 05/08/01 00 0412632705 03 07/01/01 0 0412632705 O 06/01/31 0 4797801 E22/G01 F 348,000.00 ZZ 360 348,000.00 1 7.250 2,373.97 80 7.000 2,373.97 KELLER TX 76248 1 05/14/01 00 0412651812 03 07/01/01 0 0412651812 O 06/01/31 0 4797946 L46/G01 F 650,000.00 ZZ 360 650,000.00 1 7.250 4,434.15 80 7.000 4,434.15 COLLEYVILLE TX 76034 1 05/22/01 00 0432853885 03 07/01/01 0 0000938142 O 06/01/31 0 4797990 B76/G01 F 437,200.00 ZZ 360 436,291.41 1 7.875 3,170.01 75 7.625 3,170.01 PLYMOUTH MI 48170 2 02/12/01 00 0432813178 05 04/01/01 0 1 0000648055 O 03/01/31 0 4798123 B76/G01 F 341,400.00 ZZ 360 337,826.38 1 7.750 2,445.84 62 7.500 2,445.84 LELAND MI 49654 2 03/07/01 00 0432786846 01 05/01/01 0 0000619718 O 04/01/31 0 4798202 E82/G01 F 310,400.00 ZZ 360 310,400.00 1 7.375 2,143.86 80 7.125 2,143.86 THREE RIVERS CA 93271 2 05/07/01 00 0400406427 05 07/01/01 0 0400406427 O 06/01/31 0 4799785 B60/G01 F 342,000.00 ZZ 360 342,000.00 1 7.500 2,391.31 80 7.250 2,391.31 ARLINGTON MA 02474 2 05/04/01 00 0432859320 05 07/01/01 0 329010 O 06/01/31 0 4800006 025/025 F 493,574.00 ZZ 360 491,978.53 1 8.250 3,708.06 80 8.000 3,708.06 TRACY CA 95377 1 12/21/00 00 0138565973 03 02/01/01 0 0138565973 O 01/01/31 0 4800193 025/025 F 312,000.00 ZZ 360 311,487.01 1 7.000 2,075.75 80 6.750 2,075.75 BRAINTREE MA 02184 1 03/30/01 00 138611959 05 05/01/01 0 138611959 O 04/01/31 0 1 4800669 025/025 F 525,000.00 ZZ 360 524,115.34 1 6.875 3,448.88 75 6.625 3,448.88 HOUSTON TX 77025 1 03/09/01 00 0138797709 05 05/01/01 0 0138797709 O 04/01/31 0 4800904 025/025 F 624,000.00 ZZ 360 622,670.19 1 7.750 4,470.42 50 7.500 4,470.42 PALO ALTO CA 94301 5 02/13/01 00 0138841945 05 04/01/01 0 0138841945 O 03/01/31 0 4801039 B60/G01 F 448,000.00 ZZ 360 448,000.00 1 7.625 3,170.92 80 7.375 3,170.92 TEMECULA CA 92591 2 05/08/01 00 0432859353 05 07/01/01 0 326539 O 06/01/31 0 4801114 B60/G01 F 400,000.00 ZZ 360 400,000.00 1 7.500 2,796.86 80 7.250 2,796.86 YORBA LINDA CA 92887 2 05/03/01 00 0432863264 05 07/01/01 0 327441 O 06/01/31 0 4801485 025/025 F 544,000.00 ZZ 360 542,244.32 1 7.125 3,665.03 80 6.875 3,665.03 MARIETTA GA 30064 2 01/24/01 00 0138764501 03 03/01/01 0 0138764501 O 02/01/31 0 4801848 A48/G01 F 352,500.00 ZZ 360 352,500.00 1 7.750 2,525.35 75 7.500 2,525.35 1 GILROY CA 95020 5 05/17/01 00 0432862043 05 07/01/01 0 8511014766 O 06/01/31 0 4801931 025/025 F 628,000.00 ZZ 360 627,041.33 1 7.375 4,337.45 68 7.125 4,337.45 WALNUT CREEK CA 94598 2 03/01/01 00 0138762646 05 05/01/01 0 0138762646 O 04/01/31 0 4802008 025/025 F 420,350.00 ZZ 360 419,724.13 1 7.500 2,939.15 52 7.250 2,939.15 MC LEAN VA 22101 2 03/06/01 00 0130152820 03 05/01/01 0 0130152820 O 04/01/31 0 4802619 B60/G01 F 326,500.00 ZZ 360 326,500.00 1 7.875 2,367.35 63 7.625 2,367.35 IMPERIAL BEACH CA 91932 2 05/04/01 00 0432863116 01 07/01/01 0 326560 O 06/01/31 0 4802958 E82/G01 F 992,440.00 ZZ 360 992,440.00 1 7.500 6,939.29 34 7.250 6,939.29 GREENWICH CT 06831 2 05/09/01 00 0400421046 03 07/01/01 0 3299893 O 06/01/31 0 4803261 E84/G01 F 600,000.00 ZZ 360 599,565.74 1 7.625 4,246.76 74 7.375 4,246.76 WILMETTE IL 60091 2 04/12/01 00 0432797579 05 06/01/01 0 11006315 O 05/01/31 0 1 4803403 168/168 F 354,000.00 ZZ 360 353,723.85 1 7.250 2,414.90 53 7.000 2,414.90 SOUTH SAN FRANC CA 94080 2 03/30/01 00 439609097 03 06/01/01 0 439609097 O 05/01/31 0 4803608 964/G01 F 291,000.00 ZZ 360 291,000.00 1 6.875 1,911.66 90 6.625 1,911.66 FAIR OAKS CA 95628 2 05/18/01 04 0432853737 03 07/01/01 25 124428 O 06/01/31 0 4803751 E84/G01 F 441,000.00 ZZ 360 440,664.43 1 7.375 3,045.88 71 7.125 3,045.88 OAKLAND CA 94618 2 04/12/01 00 0432823631 05 06/01/01 0 23011930 O 05/01/31 0 4803883 405/405 F 364,000.00 ZZ 360 363,471.42 1 7.625 2,576.37 72 6.875 2,576.37 GOLETA CA 93117 2 03/23/01 00 0012098919 03 05/01/01 0 0012098919 O 04/01/31 0 4803884 405/405 F 496,000.00 ZZ 360 495,613.07 1 7.250 3,383.60 48 6.750 3,383.60 REDWOOD CITY CA 94062 2 04/09/01 00 0017131665 05 06/01/01 0 0017131665 O 05/01/31 0 4803885 405/405 F 472,000.00 ZZ 360 471,631.80 1 1 7.250 3,219.87 71 6.750 3,219.87 ATLANTA GA 30342 2 04/25/01 00 0017142936 03 06/01/01 0 0017142936 O 05/01/31 0 4803886 405/405 F 591,000.00 ZZ 360 590,538.97 1 7.250 4,031.66 59 6.750 4,031.66 GLENDALE CA 91207 2 04/16/01 00 0017148982 05 06/01/01 0 0017148982 O 05/01/31 0 4803888 405/405 F 829,000.00 ZZ 360 828,369.20 1 7.375 5,725.70 62 6.750 5,725.70 LAGUNA BEACH CA 92651 2 04/13/01 00 0017189374 05 06/01/01 0 0017189374 O 05/01/31 0 4803889 405/405 F 395,000.00 ZZ 360 394,691.86 1 7.250 2,694.60 61 6.750 2,694.60 SAN CLEMENTE CA 92673 5 04/18/01 00 0017195389 03 06/01/01 0 0017195389 O 05/01/31 0 4803890 405/405 F 351,000.00 ZZ 360 350,239.50 1 7.500 2,454.25 69 6.750 2,454.25 RANCHO PALOS VE CA 90275 2 04/07/01 00 0017233073 05 06/01/01 0 0017233073 O 05/01/31 0 4803892 405/405 F 383,400.00 ZZ 360 383,115.46 1 7.500 2,680.79 74 6.750 2,680.79 POWAY CA 92064 5 04/02/01 00 0017242256 05 06/01/01 0 1 0017242256 O 05/01/31 0 4803893 405/405 F 507,000.00 ZZ 360 506,614.21 1 7.375 3,501.73 55 6.750 3,501.73 MORGAN HILL CA 95037 5 04/14/01 00 0017250697 03 06/01/01 0 0017250697 O 05/01/31 0 4803894 405/405 F 935,000.00 ZZ 360 934,288.53 1 7.375 6,457.82 45 6.750 6,457.82 LA JOLLA CA 92037 2 04/11/01 00 0017251240 05 06/01/01 0 0017251240 O 05/01/31 0 4803895 405/405 F 800,000.00 ZZ 360 799,406.28 1 7.500 5,593.72 54 6.750 5,593.72 CUPERTINO CA 95014 2 04/13/01 00 0017255001 05 06/01/01 0 0017255001 O 05/01/31 0 4803897 405/405 F 430,400.00 ZZ 360 430,055.81 1 7.125 2,899.69 69 6.750 2,899.69 NORMANDY PARK WA 98166 2 04/12/01 00 0017264409 03 06/01/01 0 0017264409 O 05/01/31 0 4803898 405/405 F 500,000.00 ZZ 360 499,609.95 1 7.250 3,410.88 67 6.750 3,410.88 SAN FRANCISCO CA 94116 5 04/12/01 00 0017266339 05 06/01/01 0 0017266339 O 05/01/31 0 1 4803900 405/405 F 525,000.00 ZZ 360 524,590.45 1 7.250 3,581.43 48 6.750 3,581.43 PLEASANTON CA 94566 5 04/06/01 00 0017272238 05 06/01/01 0 0017272238 O 05/01/31 0 4803902 405/405 F 420,000.00 ZZ 360 419,680.41 1 7.375 2,900.84 70 6.750 2,900.84 LOS ANGELES CA 90291 2 04/10/01 00 0017274861 05 06/01/01 0 0017274861 O 05/01/31 0 4803905 405/405 F 649,000.00 ZZ 360 648,481.00 1 7.125 4,372.44 58 6.750 4,372.44 MILL VALLEY CA 94941 5 04/09/01 00 0017279563 05 06/01/01 0 0017279563 O 05/01/31 0 4803906 405/405 F 340,000.00 ZZ 360 339,747.67 1 7.500 2,377.33 75 6.750 2,377.33 ALAMEDA CA 94501 5 04/16/01 00 0017279795 05 06/01/01 0 0017279795 O 05/01/31 0 4803907 405/405 F 336,000.00 ZZ 360 335,731.30 1 7.125 2,263.70 60 6.750 2,263.70 SAN DIEGO CA 92115 5 04/13/01 00 0017282575 05 06/01/01 0 0017282575 O 05/01/31 0 4803908 405/405 F 355,000.00 ZZ 360 354,729.87 1 7.375 2,451.90 62 6.750 2,451.90 1 DISCOVERY BAY CA 94514 5 04/17/01 00 0017283243 03 06/01/01 0 0017283243 O 05/01/31 0 4803909 405/405 F 600,000.00 ZZ 360 599,520.18 1 7.125 4,042.32 55 6.750 4,042.32 TAMPA FL 33606 1 04/20/01 00 0017285891 05 06/01/01 0 0017285891 O 05/01/31 0 4803910 405/405 F 382,000.00 ZZ 360 381,716.50 1 7.500 2,671.00 73 6.750 2,671.00 SAN DIEGO CA 92131 2 04/09/01 00 0017287012 03 06/01/01 0 0017287012 O 05/01/31 0 4803911 405/405 F 341,000.00 ZZ 360 340,614.65 1 7.375 2,355.21 65 6.750 2,355.21 SANTA ROSA CA 95409 5 04/19/01 00 0017288937 05 06/01/01 0 0017288937 O 05/01/31 0 4803912 405/405 F 389,000.00 ZZ 360 388,704.00 1 7.375 2,686.73 63 6.750 2,686.73 RESTON VA 20190 2 04/17/01 00 0017289794 03 06/01/01 0 0017289794 O 05/01/31 0 4803913 405/405 F 378,300.00 ZZ 360 378,012.14 1 7.375 2,612.83 67 6.750 2,612.83 CAMPBELL CA 95008 2 04/10/01 00 0017290586 05 06/01/01 0 0017290586 O 05/01/31 0 1 4803915 405/405 F 327,000.00 ZZ 360 326,751.18 1 7.375 2,258.51 47 6.750 2,258.51 SAN JOSE CA 95120 5 04/16/01 00 0017293762 05 06/01/01 0 0017293762 O 05/01/31 0 4803916 405/405 F 543,000.00 ZZ 360 541,865.76 1 7.125 3,658.30 69 6.750 3,658.30 DUBLIN CA 94568 5 04/12/01 00 0017294471 05 06/01/01 0 0017294471 O 05/01/31 0 4803917 405/405 F 500,000.00 ZZ 360 499,619.54 1 7.375 3,453.38 69 6.750 3,453.38 PACIFICA CA 94044 2 04/16/01 00 0017296294 03 06/01/01 0 0017296294 O 05/01/31 0 4803918 405/405 F 408,500.00 ZZ 360 408,181.33 1 7.250 2,786.69 63 6.750 2,786.69 WINTER PARK FL 32789 5 04/17/01 00 0017299900 05 06/01/01 0 0017299900 O 05/01/31 0 4803921 405/405 F 297,700.00 ZZ 360 297,467.76 1 7.250 2,030.84 65 6.750 2,030.84 LAHAINA HI 96761 5 04/19/01 00 0017327701 05 06/01/01 0 0017327701 O 05/01/31 0 4803922 405/405 F 345,000.00 ZZ 360 344,730.87 1 1 7.250 2,353.51 64 6.750 2,353.51 WESTLAKE VILLAG CA 91361 5 04/20/01 00 0017329004 05 06/01/01 0 0017329004 O 05/01/31 0 4803923 405/405 F 333,000.00 ZZ 360 332,752.86 1 7.500 2,328.39 52 6.750 2,328.39 MANHATTAN BEACH CA 90266 5 04/20/01 00 0017335050 05 06/01/01 0 0017335050 O 05/01/31 0 4803924 405/405 F 340,000.00 T 360 339,747.67 1 7.500 2,377.33 80 6.750 2,377.33 KEY BISCAYNE FL 33149 1 04/26/01 00 0017336918 05 06/01/01 0 0017336918 O 05/01/31 0 4803925 405/405 F 320,000.00 T 360 319,750.36 1 7.250 2,182.97 80 6.750 2,182.97 LONGBOAT KEY FL 34228 1 04/20/01 00 0017339300 01 06/01/01 0 0017339300 O 05/01/31 0 4803929 405/405 F 500,000.00 ZZ 360 499,609.95 1 7.250 3,410.88 31 6.750 3,410.88 MC LEAN VA 22102 5 04/13/01 00 0017363730 03 06/01/01 0 0017363730 O 05/01/31 0 4803930 405/405 F 712,000.00 ZZ 360 711,471.59 1 7.500 4,978.41 60 6.750 4,978.41 LAHAINA HI 96761 1 04/13/01 00 0017365610 05 06/01/01 0 1 0017365610 O 05/01/31 0 4803931 405/405 F 343,100.00 ZZ 360 343,100.00 1 7.375 2,369.71 75 6.750 2,369.71 WASHINGTON DC 20002 1 04/30/01 00 0017373721 05 07/01/01 0 0017373721 O 06/01/31 0 4803934 405/405 F 316,000.00 ZZ 360 315,753.49 1 7.250 2,155.68 80 6.750 2,155.68 POMPANO BEACH FL 33062 1 04/30/01 00 0017409491 05 06/01/01 0 0017409491 O 05/01/31 0 4803935 405/405 F 301,000.00 ZZ 360 300,770.96 1 7.375 2,078.94 46 6.750 2,078.94 TUSTIN CA 92782 2 04/07/01 00 0019812452 03 06/01/01 0 0019812452 O 05/01/31 0 4803936 405/405 F 295,000.00 ZZ 360 294,775.52 1 7.375 2,037.50 73 6.750 2,037.50 NORCO CA 92860 2 04/23/01 00 0019823418 05 06/01/01 0 0019823418 O 05/01/31 0 4803938 405/405 F 298,000.00 ZZ 360 297,773.24 1 7.375 2,058.22 46 6.750 2,058.22 SAN CARLOS CA 94070 2 04/18/01 00 0019829225 05 06/01/01 0 0019829225 O 05/01/31 0 1 4803939 405/405 F 389,600.00 ZZ 360 389,303.55 1 7.375 2,690.87 80 6.750 2,690.87 LAS VEGAS NV 89107 1 04/19/01 00 0019847508 03 06/01/01 0 0019847508 O 05/01/31 0 4804054 420/G01 F 377,000.00 ZZ 360 377,000.00 1 7.375 2,603.85 72 7.125 2,603.85 PETALUMA CA 94954 5 05/18/01 00 0432853620 05 07/01/01 0 51001066 O 06/01/31 0 4804164 116/116 F 547,050.00 ZZ 360 547,050.00 1 7.250 3,731.85 64 7.000 3,731.85 HOUSTON TX 77005 2 05/18/01 00 91069768 05 07/01/01 0 91069768 O 06/01/31 0 4804916 964/G01 F 399,200.00 ZZ 360 399,200.00 1 7.250 2,723.25 80 7.000 2,723.25 ROCKLIN CA 95765 2 05/21/01 00 0432857027 03 07/01/01 0 124149 O 06/01/31 0 4804958 964/G01 F 310,000.00 ZZ 360 310,000.00 1 7.125 2,088.53 78 6.875 2,088.53 TORRANCE CA 90503 2 05/25/01 00 0432858264 05 07/01/01 0 121722 O 06/01/31 0 4805319 E22/G01 F 857,500.00 ZZ 360 857,500.00 1 7.500 5,995.76 70 7.250 5,995.76 1 LAGUNA BEACH CA 92651 2 05/09/01 00 0412524589 05 07/01/01 0 0412524589 O 06/01/31 0 4805322 E22/G01 F 350,000.00 ZZ 360 350,000.00 1 7.250 2,387.62 61 7.000 2,387.62 SEATTLE WA 98103 1 05/10/01 00 0412538852 05 07/01/01 0 0412538852 O 06/01/31 0 4805332 E22/G01 F 227,000.00 ZZ 360 227,000.00 1 7.750 1,626.26 93 7.500 1,626.26 BIRMINGHAM AL 35242 2 05/10/01 10 0412566820 05 07/01/01 30 0412566820 O 06/01/31 0 4805341 E22/G01 F 369,000.00 ZZ 360 369,000.00 1 7.375 2,548.59 70 7.125 2,548.59 MISSION VIEJO CA 92692 5 05/03/01 00 0412579088 03 07/01/01 0 0412579088 O 06/01/31 0 4805369 E22/G01 F 304,000.00 ZZ 360 304,000.00 1 7.375 2,099.65 78 7.125 2,099.65 AURORA CO 80016 2 05/10/01 00 0412611626 05 07/01/01 0 0412611626 O 06/01/31 0 4805383 E22/G01 F 388,500.00 ZZ 360 388,500.00 1 7.625 2,749.78 63 7.375 2,749.78 SANTA ROSA CA 95401 2 05/08/01 00 0412623456 03 07/01/01 0 0412623456 O 06/01/31 0 1 4805416 E22/G01 F 334,400.00 ZZ 360 334,400.00 1 8.250 2,512.24 80 8.000 2,512.24 WESTWOOD MA 02090 1 05/15/01 00 0412653438 05 07/01/01 0 0412653438 O 06/01/31 0 4805670 E84/G01 F 480,000.00 ZZ 360 479,320.25 1 7.750 3,438.78 59 7.500 3,438.78 SAN FRANCISCO CA 94109 2 03/12/01 00 0432814481 08 05/01/01 0 37010368 O 04/01/31 0 4805823 N47/G01 F 340,000.00 ZZ 360 340,000.00 1 7.375 2,348.30 54 7.125 2,348.30 LIVERMORE CA 94550 1 05/02/01 00 0432830131 05 07/01/01 0 20210303 O 06/01/31 0 4805852 N47/G01 F 300,000.00 ZZ 360 299,771.72 1 7.375 2,072.03 68 7.125 2,072.03 SAN JOSE CA 95121 5 04/12/01 00 0432825313 05 06/01/01 0 20310080 O 05/01/31 0 4805942 E84/G01 F 372,000.00 ZZ 360 371,709.80 1 7.250 2,537.70 80 7.000 2,537.70 RIVER FOREST IL 60305 1 04/24/01 00 0432790160 05 06/01/01 0 11007156 O 05/01/31 0 4806067 B60/G01 F 354,700.00 ZZ 360 354,416.35 1 1 7.125 2,389.68 78 6.875 2,389.68 LOS ANGELES CA 90066 5 04/23/01 00 0432824837 05 06/01/01 0 326699 O 05/01/31 0 4806159 E84/G01 F 420,000.00 ZZ 360 419,680.41 1 7.375 2,900.84 61 7.125 2,900.84 AGOURA HILLS CA 91301 5 04/12/01 00 0432790442 05 06/01/01 0 32410041 O 05/01/31 0 4806471 N47/G01 F 377,300.00 ZZ 360 377,026.92 1 7.625 2,670.51 59 7.375 2,670.51 OAKLAND CA 94618 5 04/12/01 00 0432819050 05 06/01/01 0 20510139 O 05/01/31 0 4806747 N47/G01 F 368,000.00 ZZ 360 367,733.65 1 7.625 2,604.68 64 7.375 2,604.68 ESCONDIDO CA 92029 2 04/03/01 00 0432825073 05 06/01/01 0 22019471 O 05/01/31 0 4807650 286/286 F 306,000.00 ZZ 360 305,761.29 1 7.250 2,087.46 68 7.000 2,087.46 HUNTINGTON BEAC CA 92649 1 04/18/01 00 338009 03 06/01/01 0 338009 O 05/01/31 0 4807651 286/286 F 500,000.00 ZZ 360 499,609.95 1 7.250 3,410.88 54 7.000 3,410.88 LAKEWOOD CO 80227 1 04/24/01 00 285132 03 06/01/01 0 1 285132 O 05/01/31 0 4807653 286/286 F 300,000.00 ZZ 360 299,765.97 1 7.250 2,046.53 71 7.000 2,046.53 NORWALK OH 44857 2 04/23/01 00 358868 05 06/01/01 0 358868 O 05/01/31 0 4807654 286/286 F 278,500.00 ZZ 360 274,813.13 1 8.000 2,043.54 72 7.750 2,043.54 VENTURA CA 93003 2 04/23/01 00 300670 05 06/01/01 0 300670 O 05/01/31 0 4807655 286/286 F 348,000.00 ZZ 360 347,735.20 1 7.375 2,403.55 80 7.125 2,403.55 CHEVY CHASE MD 20815 2 04/24/01 00 362280 01 06/01/01 0 362280 O 05/01/31 0 4807656 286/286 F 636,000.00 ZZ 360 635,516.06 1 7.375 4,392.69 80 7.125 4,392.69 ATLANTA GA 30342 2 04/25/01 00 233661 03 06/01/01 0 233661 O 05/01/31 0 4807657 286/286 F 354,200.00 ZZ 360 353,923.69 1 7.250 2,416.27 45 7.000 2,416.27 LEXINGTON TX 78947 2 04/20/01 00 283939 05 06/01/01 0 283939 O 05/01/31 0 1 4807658 286/286 F 354,000.00 ZZ 360 353,709.82 1 7.000 2,355.18 80 6.750 2,355.18 WESTLAKE OH 44145 1 04/24/01 00 336190 05 06/01/01 0 336190 O 05/01/31 0 4807659 286/286 F 307,250.00 ZZ 360 306,978.92 1 6.625 1,967.36 52 6.375 1,967.36 CHARLOTTESVILLE VA 22901 2 04/25/01 00 262833 05 06/01/01 0 262833 O 05/01/31 0 4807660 286/286 F 283,400.00 ZZ 348 283,182.00 1 7.750 2,048.29 74 7.500 2,048.29 HUNTINGTON BEAC CA 92646 2 04/25/01 00 214780 05 06/01/01 0 214780 O 05/01/30 0 4807661 286/286 F 472,000.00 ZZ 360 471,470.80 1 7.250 3,219.88 80 7.000 3,219.88 ROSWELL GA 30075 1 04/26/01 00 286174 03 06/01/01 0 286174 O 05/01/31 0 4807662 286/286 F 423,700.00 ZZ 360 423,369.47 1 7.250 2,890.38 80 7.000 2,890.38 AUSTIN TX 78746 2 04/19/01 00 280393 03 06/01/01 0 280393 O 05/01/31 0 4807663 286/286 F 384,000.00 ZZ 360 383,700.44 1 7.250 2,619.56 72 7.000 2,619.56 1 LAGUNA NIGUEL CA 92677 2 04/26/01 00 321486 03 06/01/01 0 321486 O 05/01/31 0 4807664 286/286 F 413,600.00 ZZ 360 413,242.45 1 7.375 2,856.64 80 7.125 2,856.64 ANNAPOLIS MD 21401 1 04/26/01 00 272405 05 06/01/01 0 272405 O 05/01/31 0 4807665 286/286 F 384,000.00 ZZ 360 383,715.01 1 7.500 2,684.99 80 7.250 2,684.99 DENVER CO 80230 2 04/25/01 00 321698 05 06/01/01 0 321698 O 05/01/31 0 4807666 286/286 F 500,000.00 ZZ 360 499,338.69 1 7.000 3,326.52 57 6.750 3,326.52 INDIANAPOLIS IN 46234 2 04/25/01 00 335895 05 06/01/01 0 335895 O 05/01/31 0 4807667 286/286 F 299,069.00 ZZ 360 298,835.70 1 7.250 2,040.18 80 7.000 2,040.18 WASHINGTON DC 20002 2 04/25/01 00 360713 05 06/01/01 0 360713 O 05/01/31 0 4807668 286/286 F 330,000.00 ZZ 360 329,742.56 1 7.250 2,251.19 75 7.000 2,251.19 SALINE MI 48176 2 04/25/01 00 360622 05 06/01/01 0 360622 O 05/01/31 0 1 4807669 286/286 F 435,000.00 ZZ 360 434,669.00 1 7.375 3,004.44 70 7.125 3,004.44 ALEXANDRIA OH 43001 5 04/26/01 00 308799 05 06/01/01 0 308799 O 05/01/31 0 4807670 286/286 F 650,000.00 ZZ 360 649,505.40 1 7.375 4,489.39 66 7.125 4,489.39 NEWPORT COAST CA 92657 1 04/11/01 00 247257 05 06/01/01 0 247257 O 05/01/31 0 4807671 286/286 F 292,000.00 ZZ 360 291,772.21 1 7.250 1,991.96 80 7.000 1,991.96 GLEN ALLEN VA 23059 2 04/26/01 00 284723 03 06/01/01 0 284723 O 05/01/31 0 4807672 286/286 F 420,000.00 ZZ 360 419,672.35 1 7.250 2,865.15 66 7.000 2,865.15 KENSINGTON MD 20895 5 04/24/01 00 334258 05 06/01/01 0 334258 O 05/01/31 0 4807673 286/286 F 360,000.00 ZZ 360 359,719.17 1 7.250 2,455.83 80 7.000 2,455.83 EDWARDS CO 81632 1 04/24/01 00 281668 03 06/01/01 0 281668 O 05/01/31 0 4807674 286/286 F 450,000.00 ZZ 360 449,657.58 1 1 7.375 3,108.04 70 7.125 3,108.04 BLOOMFIELD HILL MI 48302 2 04/25/01 00 335646 05 06/01/01 0 335646 O 05/01/31 0 4807675 286/286 F 381,600.00 ZZ 360 381,309.63 1 7.375 2,635.62 80 7.125 2,635.62 STAFFORD NJ 08050 2 04/23/01 00 145665 05 06/01/01 0 145665 O 05/01/31 0 4807676 286/286 F 304,000.00 ZZ 360 303,749.25 1 7.375 2,099.66 80 7.125 2,099.66 LAKE FOREST CA 92630 2 04/16/01 00 334670 03 06/01/01 0 334670 O 05/01/31 0 4807678 286/286 F 275,000.00 ZZ 360 274,785.47 1 7.250 1,875.99 46 7.000 1,875.99 BLOOMFIELD HILL MI 48302 5 04/25/01 00 325973 05 06/01/01 0 325973 O 05/01/31 0 4807679 286/286 F 341,500.00 ZZ 360 341,240.14 1 7.375 2,358.66 75 7.125 2,358.66 SUPERIOR CO 80027 2 04/20/01 00 280731 03 06/01/01 0 280731 O 05/01/31 0 4807680 286/286 F 340,750.00 ZZ 360 340,477.50 1 7.125 2,295.70 80 6.875 2,295.70 HUNTINGTON BEAC CA 92649 1 04/13/01 00 338146 03 06/01/01 0 1 338146 O 05/01/31 0 4807681 286/286 F 447,000.00 ZZ 360 446,659.87 1 7.375 3,087.32 80 7.125 3,087.32 ST CHARLES IL 60174 2 04/25/01 00 282422 03 06/01/01 0 282422 O 05/01/31 0 4807682 286/286 F 349,600.00 ZZ 360 349,346.97 1 7.625 2,474.45 80 7.375 2,474.45 KILDEER IL 60047 1 04/24/01 00 279070 05 06/01/01 0 279070 O 05/01/31 0 4807683 286/286 F 343,300.00 ZZ 360 343,063.74 1 7.875 2,489.17 80 7.625 2,489.17 SANTA MONICA CA 90405 2 04/23/01 00 325721 06 06/01/01 0 325721 O 05/01/31 0 4807684 286/286 F 364,000.00 ZZ 360 363,723.02 1 7.375 2,514.06 74 7.125 2,514.06 GEORGETOWN TX 78628 2 04/25/01 00 285719 05 06/01/01 0 285719 O 05/01/31 0 4807685 286/286 F 370,000.00 ZZ 360 369,738.85 1 7.750 2,650.73 74 7.500 2,650.73 LITTLETON CO 80123 2 04/26/01 00 374574 05 06/01/01 0 374574 O 05/01/31 0 1 4807686 286/286 F 323,900.00 ZZ 360 323,647.33 1 7.250 2,209.57 80 7.000 2,209.57 LADERA RANCH CA 92694 1 04/18/01 00 207865 03 06/01/01 0 207865 O 05/01/31 0 4807687 286/286 F 360,000.00 ZZ 360 359,704.91 1 7.000 2,395.09 69 6.750 2,395.09 FAIRFAX STATION VA 22039 5 04/24/01 00 385042 05 06/01/01 0 385042 O 05/01/31 0 4807688 286/286 F 402,000.00 ZZ 360 401,581.83 1 7.250 2,742.35 62 7.000 2,742.35 PLAIN CITY OH 43064 2 04/23/01 00 327686 05 06/01/01 0 327686 O 05/01/31 0 4807689 286/286 F 424,000.00 ZZ 360 423,677.36 1 7.375 2,928.47 78 7.125 2,928.47 TROY MI 48098 2 04/25/01 00 368717 05 06/01/01 0 368717 O 05/01/31 0 4807690 286/286 F 297,750.00 ZZ 360 297,505.93 1 7.000 1,980.94 74 6.750 1,980.94 STERLING VA 20165 5 04/23/01 00 387253 05 06/01/01 0 387253 O 05/01/31 0 4807693 286/286 F 339,200.00 ZZ 360 338,941.90 1 7.375 2,342.77 80 7.125 2,342.77 1 HIGHLAND UT 84003 2 04/23/01 00 278858 05 06/01/01 0 278858 O 05/01/31 0 4807694 286/286 F 638,350.00 ZZ 360 637,839.51 1 7.125 4,300.69 64 6.875 4,300.69 AUSTIN TX 78730 2 04/12/01 00 284563 05 06/01/01 0 284563 O 05/01/31 0 4807695 286/286 F 360,000.00 ZZ 360 359,726.06 1 7.375 2,486.44 72 7.125 2,486.44 EVANSTON IL 60201 5 04/24/01 00 285598 05 06/01/01 0 285598 O 05/01/31 0 4807696 286/286 F 304,500.00 ZZ 360 304,285.08 1 7.750 2,181.48 53 7.500 2,181.48 NANTUCKET MA 02554 2 04/24/01 00 359612 05 06/01/01 0 359612 O 05/01/31 0 4807697 286/286 F 305,100.00 ZZ 360 304,861.99 1 7.250 2,081.32 90 7.000 2,081.32 BRIGHTON CO 80601 1 04/25/01 10 285661 03 06/01/01 25 285661 O 05/01/31 0 4807698 286/286 F 380,000.00 ZZ 360 379,680.75 1 6.875 2,496.33 53 6.625 2,496.33 COMMERCE TWP MI 48382 2 04/25/01 00 335930 05 06/01/01 0 335930 O 05/01/31 0 1 4807699 286/286 F 380,000.00 ZZ 360 379,688.52 1 7.000 2,528.15 85 6.750 2,528.15 RALEIGH NC 27603 2 04/24/01 10 309788 05 06/01/01 12 309788 O 05/01/31 0 4807700 286/286 F 348,800.00 ZZ 360 348,514.09 1 7.000 2,320.58 80 6.750 2,320.58 DALLAS TX 75230 2 04/20/01 00 283422 05 06/01/01 0 283422 O 05/01/31 0 4807701 286/286 F 312,000.00 ZZ 360 311,774.18 1 7.625 2,208.32 77 7.375 2,208.32 CASTLE ROCK CO 80104 5 04/25/01 00 334036 03 06/01/01 0 334036 O 05/01/31 0 4807702 286/286 F 288,000.00 ZZ 360 287,786.26 1 7.500 2,013.74 80 7.250 2,013.74 PASADENA MD 21122 1 04/26/01 00 368213 05 06/01/01 0 368213 O 05/01/31 0 4807703 286/286 F 602,000.00 ZZ 360 601,541.92 1 7.375 4,157.87 79 7.125 4,157.87 INVERNESS IL 60067 2 04/23/01 00 68103 05 06/01/01 0 68103 O 05/01/31 0 4807705 286/286 F 316,800.00 ZZ 360 316,552.86 1 1 7.250 2,161.14 90 7.000 2,161.14 PRESCOTT AZ 86305 1 04/25/01 12 312674 03 06/01/01 25 312674 O 05/01/31 0 4807706 286/286 F 604,800.00 ZZ 360 604,291.89 1 6.875 3,973.11 80 6.625 3,973.11 MIDLOTHIAN VA 23113 2 04/20/01 00 282399 05 06/01/01 0 282399 O 05/01/31 0 4807707 286/286 F 312,000.00 ZZ 360 312,000.00 1 7.125 2,102.01 80 6.875 2,102.01 MARYSVILLE OH 43040 2 05/02/01 00 360056 05 07/01/01 0 360056 O 06/01/31 0 4807708 286/286 F 465,000.00 ZZ 360 464,628.14 1 7.125 3,132.80 55 6.875 3,132.80 MADISON NJ 07940 5 04/24/01 00 68139 05 06/01/01 0 68139 O 05/01/31 0 4807709 286/286 F 323,000.00 ZZ 360 322,633.71 1 7.250 2,203.43 54 7.000 2,203.43 WESTON FL 33327 1 04/25/01 00 338753 03 06/01/01 0 338753 O 05/01/31 0 4807710 286/286 F 512,000.00 ZZ 360 511,600.58 1 7.250 3,492.75 52 7.000 3,492.75 ALPHARETTA GA 30004 5 04/20/01 00 285976 05 06/01/01 0 1 285976 O 05/01/31 0 4807711 286/286 F 500,000.00 ZZ 360 499,609.94 1 7.250 3,410.89 60 7.000 3,410.89 ATLANTA GA 30324 2 04/24/01 00 368188 05 06/01/01 0 368188 O 05/01/31 0 4807712 286/286 F 1,100,000.00 ZZ 360 1,099,120.34 1 7.125 7,410.91 60 6.875 7,410.91 POTOMAC MD 20854 2 04/25/01 00 68154 03 06/01/01 0 68154 O 05/01/31 0 4807713 286/286 F 459,000.00 ZZ 360 458,641.94 1 7.250 3,131.19 64 7.000 3,131.19 LONGMONT CO 80503 1 04/26/01 00 282907 03 06/01/01 0 282907 O 05/01/31 0 4807715 286/286 F 371,200.00 ZZ 360 370,789.36 1 7.375 2,563.79 80 7.125 2,563.79 IRVINE CA 92602 2 04/16/01 00 335523 03 06/01/01 0 335523 O 05/01/31 0 4807716 286/286 F 293,000.00 ZZ 360 292,771.43 1 7.250 1,998.78 55 7.000 1,998.78 CLARKSTON MI 48346 2 04/25/01 00 361083 05 06/01/01 0 361083 O 05/01/31 0 1 4807717 286/286 F 350,000.00 ZZ 360 349,733.68 1 7.375 2,417.36 75 7.125 2,417.36 W CHICAGO IL 60185 2 04/20/01 00 285933 05 06/01/01 0 285933 O 05/01/31 0 4807718 286/286 F 487,000.00 ZZ 360 487,000.00 1 7.250 3,322.20 77 7.000 3,322.20 DENVER CO 80220 2 05/07/01 00 321407 05 07/01/01 0 321407 O 06/01/31 0 4807719 286/286 F 375,000.00 ZZ 360 374,700.11 1 7.125 2,526.45 79 6.875 2,526.45 SPRINGBORO OH 45066 2 04/27/01 00 334761 03 06/01/01 0 334761 O 05/01/31 0 4807720 286/286 F 456,000.00 ZZ 360 454,126.22 1 7.000 3,033.78 76 6.750 3,033.78 SCOTTSDALE AZ 85255 2 04/23/01 00 285794 03 06/01/01 0 285794 O 05/01/31 0 4807721 286/286 F 494,850.00 ZZ 360 494,463.97 1 7.250 3,375.75 77 7.000 3,375.75 AUSTIN TX 78746 2 04/25/01 00 285998 05 06/01/01 0 285998 O 05/01/31 0 4807722 286/286 F 324,800.00 ZZ 360 324,540.26 1 7.125 2,188.24 80 6.875 2,188.24 1 MALVERN PA 19355 1 04/26/01 00 370438 01 06/01/01 0 370438 O 05/01/31 0 4807723 286/286 F 425,000.00 ZZ 360 424,676.61 1 7.375 2,935.37 68 7.125 2,935.37 MIDLOTHIAN IL 60445 1 04/24/01 00 282329 05 06/01/01 0 282329 O 05/01/31 0 4807725 286/286 F 385,000.00 ZZ 360 384,707.05 1 7.375 2,659.10 68 7.125 2,659.10 PEWAUKEE WI 53072 5 04/25/01 00 286364 05 06/01/01 0 286364 O 05/01/31 0 4807726 286/286 F 386,000.00 ZZ 360 385,706.28 1 7.375 2,666.01 74 7.125 2,666.01 GREEN BAY WI 54313 2 04/24/01 00 283098 05 06/01/01 0 283098 O 05/01/31 0 4807727 286/286 F 640,000.00 ZZ 360 639,500.74 1 7.250 4,365.93 79 7.000 4,365.93 DENVER CO 80206 2 04/20/01 00 284559 05 06/01/01 0 284559 O 05/01/31 0 4807728 286/286 F 165,000.00 ZZ 360 164,819.86 1 7.500 1,153.71 77 7.250 1,153.71 CENTREVILLE VA 20121 2 04/26/01 00 384781 03 06/01/01 0 384781 O 05/01/31 0 1 4807729 286/286 F 420,000.00 ZZ 360 419,680.41 1 7.375 2,900.84 77 7.125 2,900.84 ARLINGTON VA 22207 2 04/24/01 00 361231 05 06/01/01 0 361231 O 05/01/31 0 4807730 286/286 F 372,000.00 ZZ 360 371,737.44 1 7.750 2,665.06 73 7.500 2,665.06 SANTA CLARA CA 95051 2 04/24/01 00 341586 05 06/01/01 0 341586 O 05/01/31 0 4807731 286/286 F 637,750.00 ZZ 360 637,200.90 1 6.750 4,136.44 79 6.500 4,136.44 VILLA RICA GA 30180 2 04/25/01 00 173892 05 06/01/01 0 173892 O 05/01/31 0 4807732 286/286 F 289,500.00 ZZ 360 289,305.75 1 8.000 2,124.25 90 7.750 2,124.25 VIENNA VA 22182 2 04/25/01 10 360088 05 06/01/01 25 360088 O 05/01/31 0 4807733 286/286 F 561,900.00 ZZ 360 561,450.65 1 7.125 3,785.63 80 6.875 3,785.63 SAN CLEMENTE CA 92672 1 04/25/01 00 338505 05 06/01/01 0 338505 O 05/01/31 0 4807734 286/286 F 324,000.00 ZZ 360 323,753.46 1 1 7.375 2,237.79 76 7.125 2,237.79 OAKLAND CA 94619 2 04/25/01 00 267221 05 06/01/01 0 267221 O 05/01/31 0 4807736 286/286 F 320,000.00 ZZ 360 319,744.10 1 7.125 2,155.90 78 6.875 2,155.90 ASHBURN VA 20148 2 04/25/01 00 360810 03 06/01/01 0 360810 O 05/01/31 0 4807737 286/286 F 1,000,000.00 ZZ 360 999,239.07 1 7.375 6,906.76 52 7.125 6,906.76 SCOTTSDALE AZ 85255 2 04/20/01 00 300342 03 06/01/01 0 300342 O 05/01/31 0 4807738 286/286 F 336,000.00 ZZ 360 335,710.71 1 6.750 2,179.29 80 6.500 2,179.29 HOMEWOOD IL 60430 5 04/24/01 00 294155 05 06/01/01 0 294155 O 05/01/31 0 4807739 286/286 F 318,300.00 ZZ 360 318,069.60 1 7.625 2,252.91 78 7.375 2,252.91 DAVIDSONVILLE MD 21035 2 04/24/01 00 369837 03 06/01/01 0 369837 O 05/01/31 0 4807740 286/286 F 455,200.00 ZZ 360 454,835.98 1 7.125 3,066.77 80 6.875 3,066.77 GOLDEN CO 80401 1 04/26/01 00 284785 03 06/01/01 0 1 284785 O 05/01/31 0 4807741 286/286 F 448,000.00 ZZ 360 447,650.52 1 7.250 3,056.15 80 7.000 3,056.15 HUNTINGTON BEAC CA 92649 2 04/18/01 00 327727 05 06/01/01 0 327727 O 05/01/31 0 4807742 286/286 F 318,300.00 ZZ 360 317,732.07 1 7.500 2,225.60 80 7.250 2,225.60 LADERA RANCH CA 92694 1 04/17/01 00 295841 03 06/01/01 0 295841 O 05/01/31 0 4807743 286/286 F 470,000.00 ZZ 360 469,642.36 1 7.375 3,246.18 45 7.125 3,246.18 HAMPSTEAD NC 28443 5 04/24/01 00 343866 05 06/01/01 0 343866 O 05/01/31 0 4807744 286/286 F 402,200.00 ZZ 360 401,893.95 1 7.375 2,777.90 80 7.125 2,777.90 HUNTINGTON BEAC CA 92649 1 04/17/01 00 99938 03 06/01/01 0 99938 O 05/01/31 0 4807745 286/286 F 425,000.00 ZZ 360 424,676.61 1 7.375 2,935.37 62 7.125 2,935.37 LOS GATOS CA 95032 2 04/16/01 00 266955 05 06/01/01 0 266955 O 05/01/31 0 1 4807746 286/286 F 504,000.00 ZZ 360 503,635.21 1 7.625 3,567.29 80 7.375 3,567.29 EUREKA MO 63025 2 04/26/01 00 318307 05 06/01/01 0 318307 O 05/01/31 0 4807747 286/286 F 359,000.00 ZZ 360 358,726.83 1 7.375 2,479.52 68 7.125 2,479.52 BOULDER CO 80304 1 04/18/01 00 157548 05 06/01/01 0 157548 O 05/01/31 0 4807748 286/286 F 412,000.00 ZZ 360 411,686.49 1 7.375 2,845.59 85 7.125 2,845.59 CHESTERFIELD MO 63005 1 04/25/01 14 317692 03 06/01/01 12 317692 O 05/01/31 0 4807749 286/286 F 605,000.00 ZZ 360 604,516.19 1 7.125 4,076.00 70 6.875 4,076.00 HOPEWELL NJ 08560 2 04/23/01 00 335376 05 06/01/01 0 335376 O 05/01/31 0 4807750 286/286 F 362,600.00 ZZ 360 362,310.03 1 7.125 2,442.91 68 6.875 2,442.91 ATLANTA GA 30339 2 04/25/01 00 281844 05 06/01/01 0 281844 O 05/01/31 0 4807751 286/286 F 325,000.00 ZZ 360 324,373.59 1 7.000 2,162.24 69 6.750 2,162.24 1 HANOVER TWP NJ 07981 5 04/24/01 00 179166 05 06/01/01 0 179166 O 05/01/31 0 4807752 286/286 F 649,500.00 ZZ 360 649,005.79 1 7.375 4,485.93 65 7.125 4,485.93 TAMPA FL 33602 5 04/24/01 00 373652 03 06/01/01 0 373652 O 05/01/31 0 4807753 286/286 F 550,000.00 ZZ 360 549,560.17 1 7.125 3,705.46 50 6.875 3,705.46 LITTLETON CO 80121 5 04/23/01 00 321640 05 06/01/01 0 321640 O 05/01/31 0 4807755 286/286 F 393,250.00 ZZ 353 392,943.51 1 7.500 2,764.30 52 7.250 2,764.30 POTOMAC MD 20854 2 04/24/01 00 337226 03 06/01/01 0 337226 O 10/01/30 0 4807757 286/286 F 316,000.00 ZZ 360 315,765.48 1 7.500 2,209.52 80 7.250 2,209.52 SUNRIVER OR 97707 1 04/26/01 00 267121 03 06/01/01 0 267121 O 05/01/31 0 4807758 286/286 F 628,127.00 ZZ 360 627,636.99 1 7.250 4,284.94 59 7.000 4,284.94 CLARKSTON MI 48346 5 04/25/01 00 359043 05 06/01/01 0 359043 O 05/01/31 0 1 4807759 286/286 F 360,000.00 ZZ 360 359,704.91 1 7.000 2,395.09 80 6.750 2,395.09 HIGHLANDS RANCH CO 80129 2 04/11/01 00 280738 03 06/01/01 0 280738 O 05/01/31 0 4807760 286/286 F 355,000.00 ZZ 360 354,716.10 1 7.125 2,391.71 69 6.875 2,391.71 SALINE MI 48176 2 04/23/01 00 327787 05 06/01/01 0 327787 O 05/01/31 0 4807762 286/286 F 415,000.00 ZZ 360 414,676.25 1 7.250 2,831.04 80 7.000 2,831.04 CHATHAM NJ 07928 1 04/23/01 00 336568 05 06/01/01 0 336568 O 05/01/31 0 4807763 286/286 F 161,000.00 ZZ 360 160,863.69 1 7.125 1,084.69 74 6.875 1,084.69 ORLANDO FL 32828 2 04/23/01 00 371315 03 06/01/01 0 371315 O 05/01/31 0 4807764 286/286 F 319,950.00 ZZ 360 319,700.40 1 7.250 2,182.63 80 7.000 2,182.63 ALEXANDRIA VA 22312 1 04/25/01 00 383836 05 06/01/01 0 383836 O 05/01/31 0 4807765 286/286 F 352,000.00 ZZ 360 351,751.55 1 1 7.750 2,521.78 80 7.500 2,521.78 DOVER NJ 08753 1 04/26/01 00 334392 05 06/01/01 0 334392 O 05/01/31 0 4807766 286/286 F 650,000.00 ZZ 360 649,492.93 1 7.250 4,434.15 77 7.000 4,434.15 WASHINGTON DC 20009 2 04/23/01 00 366801 05 06/01/01 0 366801 O 05/01/31 0 4807767 286/286 F 318,000.00 ZZ 360 316,745.70 1 7.125 2,142.43 80 6.875 2,142.43 POTOMAC MD 20854 2 04/25/01 00 360789 05 06/01/01 0 360789 O 05/01/31 0 4807768 286/286 F 99,000.00 ZZ 360 98,924.67 1 7.375 683.77 48 7.125 683.77 SEDONA AZ 86351 2 04/23/01 00 312545 03 06/01/01 0 312545 O 05/01/31 0 4807769 286/286 F 355,000.00 ZZ 360 354,729.87 1 7.375 2,451.90 79 7.125 2,451.90 DENVER CO 80237 2 04/24/01 00 283583 05 06/01/01 0 283583 O 05/01/31 0 4807770 286/286 F 648,750.00 ZZ 360 648,256.35 1 7.375 4,480.76 69 7.125 4,480.76 PORTLAND OR 97124 1 04/26/01 00 267226 03 06/01/01 0 1 267226 O 05/01/31 0 4807771 286/286 F 504,000.00 ZZ 360 503,606.83 1 7.250 3,438.17 80 7.000 3,438.17 ALEXANDRIA VA 22309 2 04/24/01 00 359820 03 06/01/01 0 359820 O 05/01/31 0 4807772 286/286 F 408,500.00 ZZ 360 408,181.32 1 7.250 2,786.70 39 7.000 2,786.70 WASHINGTON DC 20016 5 04/25/01 00 325667 05 06/01/01 0 325667 O 05/01/31 0 4807773 286/286 F 380,000.00 ZZ 360 379,600.27 1 7.125 2,560.14 80 6.875 2,560.14 SALINE MI 48176 1 04/24/01 00 214734 05 06/01/01 0 214734 O 05/01/31 0 4807774 286/286 F 301,250.00 ZZ 360 301,026.42 1 7.500 2,106.39 74 7.250 2,106.39 SOUTH RIDING VA 20152 2 04/25/01 00 384712 03 06/01/01 0 384712 O 05/01/31 0 4807775 286/286 F 144,000.00 ZZ 360 142,094.48 1 7.375 994.58 80 7.125 994.58 BETHLEHEM PA 18017 2 04/25/01 00 362834 05 06/01/01 0 362834 O 05/01/31 0 1 4807776 286/286 F 459,200.00 ZZ 360 458,832.78 1 7.125 3,093.72 79 6.875 3,093.72 CHESTER SPRING PA 19425 2 04/25/01 00 337238 03 06/01/01 0 337238 O 05/01/31 0 4807777 286/286 F 319,500.00 ZZ 360 319,256.88 1 7.375 2,206.71 72 7.125 2,206.71 ORO VALLEY AZ 85737 2 04/19/01 00 284954 03 06/01/01 0 284954 O 05/01/31 0 4807778 286/286 F 307,000.00 ZZ 360 306,760.50 1 7.250 2,094.29 60 7.000 2,094.29 LEESBURG VA 20176 2 04/23/01 00 325874 03 06/01/01 0 325874 O 05/01/31 0 4807779 286/286 F 306,000.00 ZZ 360 305,755.30 1 7.125 2,061.58 70 6.875 2,061.58 HILLSBOROUGH NJ 08502 2 04/24/01 00 310036 05 06/01/01 0 310036 O 05/01/31 0 4807780 286/286 F 404,000.00 ZZ 360 403,684.83 1 7.250 2,756.00 85 7.000 2,756.00 ELGIN SC 29045 2 04/19/01 12 9450355 03 06/01/01 12 9450355 O 05/01/31 0 4807781 286/286 F 316,000.00 ZZ 360 314,259.55 1 7.375 2,182.53 58 7.125 2,182.53 1 DENVER CO 80210 5 04/16/01 00 94753 05 06/01/01 0 94753 O 05/01/31 0 4807782 286/286 F 580,000.00 ZZ 360 579,547.54 1 7.250 3,956.63 80 7.000 3,956.63 ANNAPOLIS MD 21401 1 04/26/01 00 336826 05 06/01/01 0 336826 O 05/01/31 0 4807784 286/286 F 432,000.00 ZZ 360 431,637.06 1 6.875 2,837.94 80 6.625 2,837.94 WEST BLOOMFIELD MI 48323 1 04/25/01 00 369431 05 06/01/01 0 369431 O 05/01/31 0 4807785 286/286 F 650,000.00 ZZ 360 649,517.61 1 7.500 4,544.89 62 7.250 4,544.89 CARMEL CA 93923 2 04/25/01 00 9831418 05 06/01/01 0 9831418 O 05/01/31 0 4807786 286/286 F 300,000.00 ZZ 360 299,771.72 1 7.375 2,072.03 69 7.125 2,072.03 SAN JOSE CA 95148 2 04/13/01 00 9819901 05 06/01/01 0 9819901 O 05/01/31 0 4807787 286/286 F 441,000.00 ZZ 360 440,664.43 1 7.375 3,045.88 63 7.125 3,045.88 CARLSBAD CA 92009 2 04/20/01 00 9951084 05 06/01/01 0 9951084 O 05/01/31 0 1 4807789 286/286 F 484,000.00 ZZ 360 483,471.59 1 7.500 3,384.20 80 7.250 3,384.20 HUNTINGTON BEAC CA 92648 2 04/19/01 00 9829663 05 06/01/01 0 9829663 O 05/01/31 0 4807790 286/286 F 382,000.00 ZZ 360 381,709.33 1 7.375 2,638.38 59 7.125 2,638.38 BURLINGAME CA 94010 5 04/12/01 00 9806981 05 06/01/01 0 9806981 O 05/01/31 0 4807791 286/286 F 320,000.00 ZZ 360 319,750.37 1 7.250 2,182.96 80 7.000 2,182.96 IRVINE CA 92604 2 04/13/01 00 9829568 01 06/01/01 0 9829568 O 05/01/31 0 4807792 286/286 F 328,000.00 ZZ 360 327,744.13 1 7.250 2,237.54 85 7.000 2,237.54 EL DORADO HILLS CA 95762 2 04/13/01 10 9829644 05 06/01/01 12 9829644 O 05/01/31 0 4807793 286/286 F 356,000.00 ZZ 360 355,722.28 1 7.250 2,428.55 80 7.000 2,428.55 ANNAPOLIS MD 21401 2 04/25/01 00 9949326 03 06/01/01 0 9949326 O 05/01/31 0 4807794 286/286 F 330,000.00 ZZ 360 329,561.16 1 1 7.625 2,335.72 76 7.375 2,335.72 SAN JOSE CA 95112 2 04/11/01 00 9834074 05 06/01/01 0 9834074 O 05/01/31 0 4807795 286/286 F 312,800.00 ZZ 360 312,567.86 1 7.500 2,187.14 80 7.250 2,187.14 ALAMEDA CA 94501 1 04/12/01 00 9833686 01 06/01/01 0 9833686 O 05/01/31 0 4807797 286/286 F 313,200.00 ZZ 360 312,949.54 3 7.125 2,110.09 79 6.875 2,110.09 AUSTIN TX 78703 2 04/19/01 00 9950398 05 06/01/01 0 9950398 O 05/01/31 0 4807798 286/286 F 650,000.00 ZZ 360 649,492.93 1 7.250 4,434.15 31 7.000 4,434.15 SAN MARINO CA 91108 2 04/16/01 00 9810515 05 06/01/01 0 9810515 O 05/01/31 0 4807799 286/286 F 642,000.00 ZZ 360 641,523.54 1 7.500 4,488.96 55 7.250 4,488.96 MILL VALLEY CA 94941 2 04/13/01 00 9826374 05 06/01/01 0 9826374 O 05/01/31 0 4807800 286/286 F 336,000.00 ZZ 360 335,544.33 1 7.375 2,320.67 74 7.125 2,320.67 SUMNER WA 98390 2 04/19/01 00 9830204 03 06/01/01 0 1 9830204 O 05/01/31 0 4807801 286/286 F 311,250.00 ZZ 360 311,013.16 1 7.375 2,149.73 75 7.125 2,149.73 SAN JOSE CA 95122 2 04/11/01 00 9816890 05 06/01/01 0 9816890 O 05/01/31 0 4807803 286/286 F 69,160.00 ZZ 360 69,106.05 1 7.250 471.79 80 7.000 471.79 PUYALLUP WA 98373 1 04/25/01 00 9842358 01 06/01/01 0 9842358 O 05/01/31 0 4807804 286/286 F 286,000.00 ZZ 360 285,782.38 1 7.375 1,975.33 80 7.125 1,975.33 SAN DIEGO CA 92122 1 04/12/01 00 9812076 01 06/01/01 0 9812076 O 05/01/31 0 4807805 286/286 F 600,350.00 ZZ 360 599,893.18 1 7.375 4,146.47 61 7.125 4,146.47 AUSTIN TX 78746 2 04/23/01 00 9839361 03 06/01/01 0 9839361 O 05/01/31 0 4807806 286/286 F 285,000.00 ZZ 360 284,777.68 1 7.250 1,944.20 95 7.000 1,944.20 LAKEWOOD CA 90713 2 04/26/01 14 9822346 05 06/01/01 30 9822346 O 05/01/31 0 1 4807807 286/286 F 185,000.00 ZZ 360 184,859.23 1 7.375 1,277.75 62 7.125 1,277.75 IMPERIAL BEACH CA 91932 2 04/18/01 00 9828972 05 06/01/01 0 9828972 O 05/01/31 0 4807808 286/286 F 490,000.00 ZZ 360 489,617.76 1 7.250 3,342.66 70 7.000 3,342.66 LAFAYETTE CA 94549 2 04/12/01 00 9826595 05 06/01/01 0 9826595 O 05/01/31 0 4807809 286/286 F 580,000.00 ZZ 360 579,058.66 1 7.375 4,005.92 80 7.125 4,005.92 SEA RANCH CA 95497 2 04/16/01 00 9811852 03 06/01/01 0 9811852 O 05/01/31 0 4807810 286/286 F 363,200.00 ZZ 360 362,835.67 1 7.000 2,416.38 80 6.750 2,416.38 FULLERTON CA 92833 1 04/20/01 00 9828328 05 06/01/01 0 9828328 O 05/01/31 0 4807811 286/286 F 340,000.00 ZZ 360 339,747.67 1 7.500 2,377.33 51 7.250 2,377.33 CAMARILLO CA 93012 1 04/12/01 00 9819113 03 06/01/01 0 9819113 O 05/01/31 0 4807812 286/286 F 395,000.00 ZZ 360 394,699.43 1 7.375 2,728.17 85 7.125 2,728.17 1 ISSAQUAH WA 98029 2 04/16/01 10 9830609 03 06/01/01 12 9830609 O 05/01/31 0 4807813 286/286 F 396,000.00 ZZ 360 395,628.78 1 7.875 2,871.27 80 7.625 2,871.27 TEMECULA CA 92592 2 04/20/01 00 9836227 05 06/01/01 0 9836227 O 05/01/31 0 4807815 286/286 F 442,000.00 ZZ 360 441,637.69 1 7.000 2,940.64 74 6.750 2,940.64 EDGEWATER MD 21037 2 04/23/01 00 9948600 03 06/01/01 0 9948600 O 05/01/31 0 4807816 286/286 F 160,000.00 ZZ 360 159,875.19 1 7.250 1,091.48 27 7.000 1,091.48 SANTA BARBARA CA 93105 2 04/13/01 00 9821259 05 06/01/01 0 9821259 O 05/01/31 0 4807817 286/286 F 393,350.00 ZZ 360 393,050.69 1 7.375 2,716.77 75 7.125 2,716.77 SALINAS CA 93908 2 04/12/01 00 9829706 03 06/01/01 0 9829706 O 05/01/31 0 4807818 286/286 F 310,500.00 ZZ 360 310,280.85 1 7.750 2,224.46 90 7.500 2,224.46 WADDELL AZ 85355 2 04/12/01 10 9835851 05 06/01/01 25 9835851 O 05/01/31 0 1 4807819 286/286 F 365,500.00 ZZ 360 365,214.88 1 7.250 2,493.35 71 7.000 2,493.35 NEWPORT BEACH CA 92660 2 04/19/01 00 9829752 05 06/01/01 0 9829752 O 05/01/31 0 4807820 286/286 F 447,000.00 ZZ 360 446,642.54 1 7.125 3,011.52 76 6.875 3,011.52 VIRGINIA BEACH VA 23451 2 04/20/01 00 9951166 05 06/01/01 0 9951166 O 05/01/31 0 4807821 286/286 F 396,000.00 ZZ 360 395,683.32 1 7.125 2,667.93 80 6.875 2,667.93 DANA POINT CA 92624 2 04/13/01 00 9828885 05 06/01/01 0 9828885 O 05/01/31 0 4807822 286/286 F 482,000.00 ZZ 360 481,633.24 1 7.375 3,329.05 68 7.125 3,329.05 SALINAS CA 93908 2 04/11/01 00 9833635 05 06/01/01 0 9833635 O 05/01/31 0 4807823 286/286 F 308,700.00 ZZ 360 308,359.18 1 7.250 2,105.88 95 7.000 2,105.88 SEATTLE WA 98136 1 04/19/01 10 9812943 05 06/01/01 30 9812943 O 05/01/31 0 4807824 286/286 F 364,800.00 ZZ 360 364,529.27 1 1 7.500 2,550.73 80 7.250 2,550.73 FREMONT CA 94555 1 04/18/01 00 9834027 05 06/01/01 0 9834027 O 05/01/31 0 4807825 286/286 F 352,800.00 ZZ 360 352,524.78 1 7.250 2,406.72 80 7.000 2,406.72 TEMECULA CA 92592 1 04/25/01 00 9826576 03 06/01/01 0 9826576 O 05/01/31 0 4807826 286/286 F 450,000.00 ZZ 360 449,666.03 1 7.500 3,146.47 56 7.250 3,146.47 LIVERMORE CA 94550 2 04/10/01 00 9953880 05 06/01/01 0 9953880 O 05/01/31 0 4807827 286/286 F 325,000.00 ZZ 360 324,764.77 1 7.625 2,300.33 75 7.375 2,300.33 SAN JOSE CA 95132 2 04/13/01 00 9830659 05 06/01/01 0 9830659 O 05/01/31 0 4807828 286/286 F 650,000.00 ZZ 360 649,552.68 1 7.875 4,712.95 69 7.625 4,712.95 SAN DIEGO CA 92130 2 04/11/01 00 9819932 03 06/01/01 0 9819932 O 05/01/31 0 4807829 286/286 F 389,000.00 ZZ 360 388,696.54 1 7.250 2,653.67 80 7.000 2,653.67 MUKILTEO WA 98275 2 04/11/01 00 9822936 03 06/01/01 0 1 9822936 O 05/01/31 0 4807830 286/286 F 322,400.00 ZZ 360 322,154.68 1 7.375 2,226.74 80 7.125 2,226.74 ESCONDIDO CA 92027 1 04/26/01 00 9950071 03 06/01/01 0 9950071 O 05/01/31 0 4807831 286/286 F 331,200.00 ZZ 360 330,762.35 1 7.250 2,259.37 90 7.000 2,259.37 SAN DIEGO CA 92064 1 04/20/01 11 9825062 05 06/01/01 25 9825062 O 05/01/31 0 4807832 286/286 F 500,000.00 ZZ 360 499,417.22 1 7.500 3,496.07 80 7.250 3,496.07 SAN JOSE CA 95148 2 04/18/01 00 9828910 05 06/01/01 0 9828910 O 05/01/31 0 4807833 286/286 F 336,000.00 ZZ 360 335,737.89 1 7.250 2,292.11 75 7.000 2,292.11 SAN DIEGO CA 92130 2 04/11/01 00 9821455 01 06/01/01 0 9821455 O 05/01/31 0 4807834 286/286 F 340,800.00 ZZ 360 340,547.08 1 7.500 2,382.92 80 7.250 2,382.92 NEWARK CA 94560 1 04/20/01 00 9837545 05 06/01/01 0 9837545 O 05/01/31 0 1 4807835 286/286 F 338,250.00 ZZ 360 337,992.62 1 7.375 2,336.21 75 7.125 2,336.21 LIVERMORE CA 94550 2 04/09/01 00 9826016 05 06/01/01 0 9826016 O 05/01/31 0 4807836 286/286 F 328,000.00 ZZ 360 327,744.13 1 7.250 2,237.54 80 7.000 2,237.54 EL DORADO HILLS CA 95762 2 04/17/01 00 9831734 05 06/01/01 0 9831734 O 05/01/31 0 4807837 286/286 F 399,000.00 ZZ 360 398,688.75 1 7.250 2,721.88 57 7.000 2,721.88 THOUSAND OAKS CA 91360 2 04/06/01 00 9816369 05 06/01/01 0 9816369 O 05/01/31 0 4807838 286/286 F 316,000.00 ZZ 360 315,759.55 1 7.375 2,182.53 80 7.125 2,182.53 FAIRFIELD CA 94533 1 04/20/01 00 9951203 05 06/01/01 0 9951203 O 05/01/31 0 4807839 286/286 F 350,000.00 ZZ 360 349,733.68 1 7.375 2,417.36 27 7.125 2,417.36 BURLINGAME CA 94010 2 04/13/01 00 9802469 05 06/01/01 0 9802469 O 05/01/31 0 4807840 286/286 F 502,000.00 ZZ 360 501,627.44 1 7.500 3,510.06 79 7.250 3,510.06 1 REDWOOD CITY CA 94061 2 04/13/01 00 9828244 05 06/01/01 0 9828244 O 05/01/31 0 4807841 286/286 F 378,000.00 ZZ 360 377,726.42 1 7.625 2,675.46 90 7.375 2,675.46 HEBER UT 84032 2 04/24/01 14 9836198 03 06/01/01 25 9836198 O 05/01/31 0 4807842 286/286 F 464,800.00 ZZ 360 464,437.41 1 7.250 3,170.76 80 7.000 3,170.76 SNOQUALMIE WA 98065 1 04/17/01 00 9836189 03 06/01/01 0 9836189 O 05/01/31 0 4807843 286/286 F 415,300.00 ZZ 360 414,991.79 1 7.500 2,903.84 62 7.250 2,903.84 SAMMAMISH WA 98075 2 04/12/01 00 9828561 03 06/01/01 0 9828561 O 05/01/31 0 4807844 286/286 F 650,000.00 T 360 649,467.20 1 7.000 4,324.47 60 6.750 4,324.47 ISANTI MN 55040 2 04/24/01 00 9824690 05 06/01/01 0 9824690 O 05/01/31 0 4807845 286/286 F 534,400.00 ZZ 360 533,993.36 1 7.375 3,690.97 80 7.125 3,690.97 CUPERTINO CA 95014 1 04/10/01 00 9830371 05 06/01/01 0 9830371 O 05/01/31 0 1 4807846 286/286 F 344,250.00 ZZ 360 343,981.45 1 7.250 2,348.39 75 7.000 2,348.39 SAN LUIS OBISPO CA 93401 1 04/25/01 00 9839776 03 06/01/01 0 9839776 O 05/01/31 0 4807847 286/286 F 319,800.00 ZZ 360 319,537.86 1 7.000 2,127.64 80 6.750 2,127.64 WASHIGNTON DC 20009 1 04/27/01 00 9955907 05 06/01/01 0 9955907 O 05/01/31 0 4807848 286/286 F 324,100.00 ZZ 360 323,871.26 1 7.750 2,321.89 80 7.500 2,321.89 HOLLISTER CA 95023 1 04/16/01 00 9824109 05 06/01/01 0 9824109 O 05/01/31 0 4807849 286/286 F 432,000.00 ZZ 360 431,645.89 1 7.000 2,874.11 80 6.750 2,874.11 EL CAJON CA 92019 1 04/13/01 00 9837027 03 06/01/01 0 9837027 O 05/01/31 0 4807850 286/286 F 404,200.00 ZZ 360 403,907.45 1 7.625 2,860.90 77 7.375 2,860.90 BERKELEY CA 94708 2 04/13/01 00 9809809 05 06/01/01 0 9809809 O 05/01/31 0 4807851 286/286 F 445,000.00 ZZ 360 444,677.92 1 1 7.625 3,149.68 69 7.375 3,149.68 SAN FRANCISCO CA 94122 2 04/13/01 00 9814780 05 06/01/01 0 9814780 O 05/01/31 0 4807852 286/286 F 308,800.00 ZZ 360 308,565.03 1 7.375 2,132.80 80 7.125 2,132.80 SAN MARCOS CA 92069 1 04/17/01 00 9836474 03 06/01/01 0 9836474 O 05/01/31 0 4807853 286/286 F 327,000.00 ZZ 360 326,744.91 1 7.250 2,230.72 69 7.000 2,230.72 FREMONT CA 94555 2 04/13/01 00 9802421 05 06/01/01 0 9802421 O 05/01/31 0 4807855 286/286 F 335,000.00 ZZ 360 334,751.38 1 7.500 2,342.37 61 7.250 2,342.37 SAN JOSE CA 95132 2 04/06/01 00 9818654 05 06/01/01 0 9818654 O 05/01/31 0 4807856 286/286 F 480,000.00 ZZ 360 479,450.00 1 7.250 3,274.45 57 7.000 3,274.45 FOSTER CITY CA 94404 2 04/17/01 00 9824513 05 06/01/01 0 9824513 O 05/01/31 0 4807858 286/286 F 304,100.00 ZZ 360 303,874.32 1 7.500 2,126.31 90 7.250 2,126.31 SAN DIEGO CA 92129 1 04/20/01 14 9838406 05 06/01/01 25 1 9838406 O 05/01/31 0 4807859 286/286 F 348,000.00 ZZ 360 347,754.39 1 7.750 2,493.11 80 7.500 2,493.11 SONOMA CA 95476 1 04/11/01 00 9831939 05 06/01/01 0 9831939 O 05/01/31 0 4807860 286/286 F 366,000.00 ZZ 360 365,714.48 1 7.250 2,496.77 78 7.000 2,496.77 LOTHIAN MD 20711 2 04/24/01 00 9949536 05 06/01/01 0 9949536 O 05/01/31 0 4807861 286/286 F 337,000.00 ZZ 360 336,730.51 1 7.125 2,270.43 50 6.875 2,270.43 SAN DIEGO CA 92130 1 04/23/01 00 9784669 05 06/01/01 0 9784669 O 05/01/31 0 4807862 286/286 F 556,000.00 ZZ 360 555,576.93 1 7.375 3,840.15 80 7.125 3,840.15 BOULDER CO 80301 1 04/19/01 00 9837157 03 06/01/01 0 9837157 O 05/01/31 0 4807863 286/286 F 499,000.00 ZZ 360 498,629.67 1 7.500 3,489.08 63 7.250 3,489.08 FOSTER CITY CA 94404 2 04/16/01 00 9829187 05 06/01/01 0 9829187 O 05/01/31 0 1 4807864 286/286 F 320,000.00 ZZ 360 319,750.37 1 7.250 2,182.96 80 7.000 2,182.96 PLEASANT HILL CA 94523 1 04/19/01 00 9796353 05 06/01/01 0 9796353 O 05/01/31 0 4807865 286/286 F 546,000.00 ZZ 360 545,614.64 1 7.750 3,911.61 47 7.500 3,911.61 PALO ALTO CA 94303 2 04/13/01 00 9823652 05 06/01/01 0 9823652 O 05/01/31 0 4807866 286/286 F 339,500.00 ZZ 360 339,248.05 1 7.500 2,373.83 70 7.250 2,373.83 FREMONT CA 94536 2 04/13/01 00 9796529 03 06/01/01 0 9796529 O 05/01/31 0 4807868 286/286 F 360,100.00 ZZ 360 359,619.08 1 7.250 2,456.52 53 7.000 2,456.52 ANNAPOLIS MD 21401 2 04/25/01 00 9949540 05 06/01/01 0 9949540 O 05/01/31 0 4807869 286/286 F 329,000.00 ZZ 360 328,453.44 1 7.125 2,216.53 79 6.875 2,216.53 WALNUT CREEK CA 94596 2 04/18/01 00 9951646 01 06/01/01 0 9951646 O 05/01/31 0 4807870 286/286 F 381,500.00 ZZ 360 381,216.88 1 7.500 2,667.50 70 7.250 2,667.50 1 WALNUT CREEK CA 94596 1 04/19/01 00 9833683 05 06/01/01 0 9833683 O 05/01/31 0 4807871 286/286 F 397,000.00 ZZ 360 396,746.85 1 8.250 2,982.53 66 8.000 2,982.53 SAN JOSE CA 95120 5 04/16/01 00 9834180 05 06/01/01 0 9834180 O 05/01/31 0 4807872 286/286 F 375,200.00 ZZ 360 374,935.19 1 7.750 2,687.98 80 7.500 2,687.98 GILROY CA 95020 1 04/16/01 00 9833436 05 06/01/01 0 9833436 O 05/01/31 0 4807873 286/286 F 453,000.00 ZZ 360 452,637.75 1 7.125 3,051.94 50 6.875 3,051.94 SAN JOSE CA 95135 5 04/13/01 00 9830466 05 06/01/01 0 9830466 O 05/01/31 0 4807875 286/286 F 625,000.00 ZZ 360 624,524.43 1 7.375 4,316.72 69 7.125 4,316.72 BURLINGAME CA 94010 2 04/19/01 00 9828921 05 06/01/01 0 9828921 O 05/01/31 0 4807876 286/286 F 432,500.00 ZZ 360 432,186.97 1 7.625 3,061.21 78 7.375 3,061.21 HEALDSBURG CA 95448 2 04/16/01 00 9801985 05 06/01/01 0 9801985 O 05/01/31 0 1 4807877 286/286 F 301,500.00 ZZ 240 300,938.58 1 7.250 2,382.98 48 7.000 2,382.98 SAN BRUNO CA 94066 2 04/06/01 00 9829526 05 06/01/01 0 9829526 O 05/01/21 0 4807878 286/286 F 1,000,000.00 ZZ 360 999,311.81 1 7.875 7,250.69 19 7.625 7,250.69 CARMEL CA 93923 5 04/17/01 00 9828269 05 06/01/01 0 9828269 O 05/01/31 0 4807879 286/286 F 468,000.00 ZZ 360 467,701.57 1 8.250 3,515.93 58 8.000 3,515.93 MOUNTAIN VIEW CA 94041 1 04/24/01 00 9836884 05 06/01/01 0 9836884 O 05/01/31 0 4807880 286/286 F 292,100.00 ZZ 360 291,872.13 1 7.250 1,992.64 80 7.000 1,992.64 ANNAPOLIS MD 21401 1 04/23/01 00 9968820 03 06/01/01 0 9968820 O 05/01/31 0 4807882 286/286 F 372,800.00 ZZ 360 372,509.18 1 7.250 2,543.15 80 7.000 2,543.15 SALINAS CA 93908 1 04/10/01 00 9833639 03 06/01/01 0 9833639 O 05/01/31 0 4807884 286/286 F 635,000.00 ZZ 360 634,528.74 1 1 7.500 4,440.01 32 7.250 4,440.01 SEATTLE WA 98105 2 04/16/01 00 9824298 05 06/01/01 0 9824298 O 05/01/31 0 4807885 286/286 F 463,200.00 ZZ 360 462,838.66 1 7.250 3,159.84 80 7.000 3,159.84 EL CAJON CA 92019 1 04/05/01 00 9826931 05 06/01/01 0 9826931 O 05/01/31 0 4807886 286/286 F 431,200.00 ZZ 360 430,863.63 1 7.250 2,941.54 80 7.000 2,941.54 SAN JOSE CA 95125 1 04/24/01 00 9825860 05 06/01/01 0 9825860 O 05/01/31 0 4807887 286/286 F 195,000.00 ZZ 360 194,865.80 1 7.875 1,413.89 57 7.625 1,413.89 BIG BEAR LAKE CA 92315 2 04/12/01 00 9811301 05 06/01/01 0 9811301 O 05/01/31 0 4807888 286/286 F 382,000.00 ZZ 360 381,709.33 1 7.375 2,638.38 70 7.125 2,638.38 SAN RAMON CA 94583 2 04/16/01 00 9811656 05 06/01/01 0 9811656 O 05/01/31 0 4807889 286/286 F 291,300.00 ZZ 360 291,072.76 1 7.250 1,987.18 69 7.000 1,987.18 AUSTIN TX 78750 2 04/17/01 00 9829772 05 06/01/01 0 1 9829772 O 05/01/31 0 4807890 286/286 F 508,000.00 ZZ 360 507,603.71 1 7.250 3,465.46 80 7.000 3,465.46 HUNTINGTON BEAC CA 92648 2 04/10/01 00 9829272 03 06/01/01 0 9829272 O 05/01/31 0 4807891 286/286 F 510,000.00 ZZ 360 509,611.93 1 7.375 3,522.44 80 7.125 3,522.44 MURRIETA CA 92562 2 04/13/01 00 9833152 05 06/01/01 0 9833152 O 05/01/31 0 4807892 286/286 F 360,000.00 ZZ 360 359,719.17 1 7.250 2,455.83 70 7.000 2,455.83 SAN JOSE CA 95136 2 04/19/01 00 9821171 05 06/01/01 0 9821171 O 05/01/31 0 4807893 286/286 F 321,650.00 ZZ 360 321,392.78 1 7.125 2,167.02 70 6.875 2,167.02 CLAYTON CA 94517 1 04/18/01 00 9828248 05 06/01/01 0 9828248 O 05/01/31 0 4807894 286/286 F 290,000.00 ZZ 360 289,779.33 1 7.375 2,002.96 95 7.125 2,002.96 AMERICAN CANYON CA 94503 1 04/18/01 14 9835241 05 06/01/01 30 9835241 O 05/01/31 0 1 4807895 286/286 F 410,000.00 ZZ 360 409,695.72 1 7.500 2,866.78 45 7.250 2,866.78 LAFAYETTE CA 94549 2 04/13/01 00 9811289 05 06/01/01 0 9811289 O 05/01/31 0 4807896 286/286 F 650,000.00 ZZ 360 649,541.24 1 7.750 4,656.68 73 7.500 4,656.68 SAN JOSE CA 95125 2 04/11/01 00 9836894 05 06/01/01 0 9836894 O 05/01/31 0 4807897 286/286 F 366,000.00 ZZ 360 365,728.37 1 7.500 2,559.13 76 7.250 2,559.13 SEATTLE WA 98116 2 04/12/01 00 9833137 05 06/01/01 0 9833137 O 05/01/31 0 4807898 286/286 F 440,000.00 ZZ 360 439,665.20 1 7.375 3,038.97 69 7.125 3,038.97 FULLERTON CA 92831 1 04/18/01 00 9830418 05 06/01/01 0 9830418 O 05/01/31 0 4807899 286/286 F 424,000.00 ZZ 360 423,669.24 1 7.250 2,892.43 80 7.000 2,892.43 LIVERMORE CA 94550 1 04/23/01 00 9826161 05 06/01/01 0 9826161 O 05/01/31 0 4807900 286/286 F 331,000.00 ZZ 360 330,745.11 1 7.750 2,371.32 80 7.500 2,371.32 1 ALAMEDA CA 94501 2 04/04/01 00 9828203 05 06/01/01 0 9828203 O 05/01/31 0 4807901 286/286 F 175,200.00 ZZ 360 175,066.69 1 7.375 1,210.06 80 7.125 1,210.06 FOUNTAIN VALLEY CA 92708 1 04/18/01 00 9839009 03 06/01/01 0 9839009 O 05/01/31 0 4807902 286/286 F 393,750.00 ZZ 360 393,479.02 1 7.875 2,854.96 75 7.625 2,854.96 SAN JOSE CA 95118 2 04/11/01 00 9825403 05 06/01/01 0 9825403 O 05/01/31 0 4807904 286/286 F 298,000.00 ZZ 360 297,778.84 1 7.500 2,083.66 60 7.250 2,083.66 FAIRFIELD CA 94533 2 04/17/01 00 9825180 03 06/01/01 0 9825180 O 05/01/31 0 4807905 286/286 F 468,000.00 ZZ 360 467,317.89 1 7.375 3,232.36 80 7.125 3,232.36 LIVERMORE CA 94550 1 04/18/01 00 9951389 05 06/01/01 0 9951389 O 05/01/31 0 4807906 286/286 F 360,000.00 ZZ 360 359,704.91 1 7.000 2,395.09 80 6.750 2,395.09 HUNTINGTOWN MD 20639 2 04/24/01 00 9949195 03 06/01/01 0 9949195 O 05/01/31 0 1 4807907 286/286 F 360,000.00 ZZ 360 359,596.38 1 7.250 2,455.83 80 7.000 2,455.83 PHOENIX AZ 85254 1 04/24/01 00 9833678 03 06/01/01 0 9833678 O 05/01/31 0 4807908 286/286 F 381,400.00 ZZ 360 381,102.47 1 7.250 2,601.82 79 7.000 2,601.82 EDGEWATER MD 21037 2 04/25/01 00 9950263 03 06/01/01 0 9950263 O 05/01/31 0 4807909 286/286 F 450,000.00 ZZ 360 449,495.47 1 7.250 3,069.79 62 7.000 3,069.79 ORINDA CA 94563 5 04/13/01 00 9794328 05 06/01/01 0 9794328 O 05/01/31 0 4807910 286/286 F 324,800.00 ZZ 360 324,582.06 1 8.000 2,383.27 76 7.750 2,383.27 RIVERTON UT 84065 2 04/17/01 00 9836984 05 06/01/01 0 9836984 O 05/01/31 0 4807911 286/286 F 323,650.00 ZZ 360 322,631.86 1 7.500 2,263.01 68 7.250 2,263.01 SAN JOSE CA 95136 2 04/13/01 00 9834834 05 06/01/01 0 9834834 O 05/01/31 0 4808659 E48/G01 F 350,000.00 ZZ 360 349,740.24 1 1 7.500 2,447.26 59 7.250 2,447.26 FRANKLIN TN 37064 2 04/27/01 00 0432862738 05 06/01/01 0 04011503 O 05/01/31 0 4808684 369/G01 F 621,370.00 ZZ 360 621,370.00 1 7.375 4,291.65 80 7.125 4,291.65 RALEIGH NC 27614 2 05/29/01 00 0432859122 03 07/01/01 0 0072990104 O 06/01/31 0 4808728 168/168 F 338,000.00 ZZ 360 337,496.73 1 7.500 2,363.35 33 7.250 2,363.35 CORTLANDT MANOR NY 10567 1 03/16/01 00 0249665735 05 05/01/01 0 0249665735 O 04/01/31 0 4808858 168/168 F 332,000.00 ZZ 360 331,498.44 1 7.500 2,321.39 76 7.250 2,321.39 WALNUT CREEK CA 94596 2 03/27/01 00 0439642493 05 05/01/01 0 0439642493 O 04/01/31 0 4808859 367/367 F 322,400.00 ZZ 360 322,142.18 1 7.125 2,172.07 80 6.875 2,172.07 VIENNA VA 22182 1 04/26/01 00 1 03 06/01/01 0 1 O 05/01/31 0 4808956 168/168 F 412,500.00 ZZ 360 412,193.87 1 7.500 2,884.26 63 7.250 2,884.26 CAMPBELL CA 95008 5 04/06/01 00 0439630487 05 06/01/01 0 1 0439630487 O 05/01/31 0 4809005 E84/G01 F 444,000.00 ZZ 360 443,662.15 1 7.375 3,066.60 80 7.125 3,066.60 OAKLAND CA 94611 2 04/06/01 00 0432789634 05 06/01/01 0 54010142 O 05/01/31 0 4809253 E84/G01 F 360,000.00 ZZ 360 359,726.07 1 7.375 2,486.43 72 7.125 2,486.43 DUBLIN CA 94568 5 04/03/01 00 0432796415 05 06/01/01 0 32410042 O 05/01/31 0 4809334 N47/G01 F 360,000.00 ZZ 360 359,719.17 1 7.250 2,455.83 73 7.000 2,455.83 UNION CITY CA 94587 5 04/10/01 00 0432830073 05 06/01/01 0 20310148 O 05/01/31 0 4809567 E85/G01 F 599,950.00 ZZ 360 599,458.23 1 7.000 3,991.48 80 6.750 3,991.48 SANTA ROSA CA 95404 1 04/23/01 00 0432863249 05 06/01/01 0 2000139 O 05/01/31 0 4809805 168/168 F 333,000.00 ZZ 360 332,746.61 1 7.375 2,299.95 67 7.125 2,299.95 SAN JOSE CA 95131 2 04/05/01 00 0439650895 03 06/01/01 0 0439650895 O 05/01/31 0 1 4809828 168/168 F 400,000.00 ZZ 360 399,404.42 1 7.500 2,796.86 58 7.250 2,796.86 EAST HILLS NY 11577 1 03/27/01 00 0249701359 05 05/01/01 0 0249701359 O 04/01/31 0 4809930 168/168 F 370,350.00 ZZ 360 369,784.65 1 7.375 2,557.92 90 7.125 2,557.92 MOUNT KISCO NY 10549 1 03/02/01 14 0249703319 05 05/01/01 25 0249703319 O 04/01/31 0 4810000 E84/G01 F 323,000.00 ZZ 360 322,530.97 1 7.625 2,286.17 68 7.375 2,286.17 PLEASANTON CA 94566 2 03/22/01 00 0432797132 05 05/01/01 0 75510393 O 04/01/31 0 4810062 N47/G01 F 416,000.00 ZZ 360 416,000.00 1 7.625 2,944.42 80 7.375 2,944.42 CLAYTON CA 94517 1 05/03/01 00 0432864015 05 07/01/01 0 20510322 O 06/01/31 0 4810154 168/168 F 303,000.00 ZZ 360 302,775.13 1 7.500 2,118.62 62 7.250 2,118.62 GARDEN CITY NY 11530 2 04/09/01 00 0249560054 05 06/01/01 0 0249560054 O 05/01/31 0 4810364 168/168 F 406,600.00 ZZ 360 405,979.31 1 7.375 2,808.29 80 7.125 2,808.29 1 SAN RAMON CA 94583 2 03/10/01 00 0439614236 05 05/01/01 0 0439614236 O 04/01/31 0 4810511 696/G01 F 319,850.00 ZZ 360 319,850.00 1 7.250 2,181.94 80 7.000 2,181.94 SILVER SPRING MD 20906 1 05/15/01 00 0432792562 03 07/01/01 0 30301072 O 06/01/31 0 4810512 696/G01 F 429,600.00 ZZ 360 429,264.87 1 7.250 2,930.63 80 7.000 2,930.63 BETHESDA MD 20817 1 04/26/01 00 0432804870 05 06/01/01 0 31201116 O 05/01/31 0 4810513 696/G01 F 440,800.00 ZZ 360 440,456.14 1 7.250 3,007.03 80 7.000 3,007.03 WASHINGTON DC 20009 1 04/30/01 00 0432792851 05 06/01/01 0 32601070 O 05/01/31 0 4810514 696/G01 F 416,000.00 ZZ 360 415,675.48 1 7.250 2,837.85 80 7.000 2,837.85 ARLINGTON VA 22201 1 04/30/01 00 0432815678 05 06/01/01 0 24601057 O 05/01/31 0 4810516 696/G01 F 381,500.00 ZZ 360 381,202.40 1 7.250 2,602.50 80 7.000 2,602.50 ARLINGTON VA 22204 1 04/26/01 00 0432792695 05 06/01/01 0 22601043 O 05/01/31 0 1 4810518 696/G01 F 449,000.00 ZZ 360 448,675.03 1 7.625 3,177.99 47 7.375 3,177.99 THE PLAINS VA 20198 2 04/24/01 00 0432793065 05 06/01/01 0 50101035 O 05/01/31 0 4810520 696/G01 F 372,000.00 ZZ 360 372,000.00 1 7.500 2,601.08 80 7.250 2,601.08 ROCKVILLE MD 20852 2 05/10/01 00 0432794485 05 07/01/01 0 31201198 O 06/01/31 0 4810521 696/G01 F 325,800.00 ZZ 360 325,564.20 1 7.625 2,305.99 75 7.375 2,305.99 WASHINGTON DC 20015 2 05/01/01 00 0432793578 05 06/01/01 0 31101084 O 05/01/31 0 4810607 E84/G01 F 566,000.00 ZZ 360 565,579.95 1 7.500 3,957.55 76 7.250 3,957.55 DUBLIN CA 94568 1 04/03/01 00 0432812204 03 06/01/01 0 73010384 O 05/01/31 0 4811029 N47/G01 F 400,000.00 ZZ 360 400,000.00 1 7.750 2,865.65 61 7.500 2,865.65 SAN JOSE CA 95148 2 04/24/01 00 0432825297 05 07/01/01 0 20010828 O 06/01/31 0 4811526 964/G01 F 360,000.00 ZZ 360 360,000.00 1 1 7.500 2,517.17 40 7.250 2,517.17 RICHMOND CA 94801 5 05/24/01 00 0432852010 05 07/01/01 0 400126368 O 06/01/31 0 4813467 N47/G01 F 391,200.00 ZZ 360 390,909.67 1 7.500 2,735.33 80 7.250 2,735.33 FREMONT CA 94539 1 04/23/01 00 0432832046 05 06/01/01 0 20310380 O 05/01/31 0 4813709 E84/G01 F 453,600.00 ZZ 360 452,890.14 1 7.250 3,094.36 80 7.000 3,094.36 BOULDER CO 80304 1 03/30/01 00 0432813475 05 05/01/01 0 81030028 O 04/01/31 0 4813907 E84/G01 F 295,000.00 ZZ 360 294,549.68 1 7.375 2,037.49 64 7.125 2,037.49 BUFFALO GROVE IL 60089 5 03/26/01 00 0432813012 05 05/01/01 0 11205954 O 04/01/31 0 4814560 E84/G01 F 339,000.00 ZZ 360 338,748.41 1 7.500 2,370.34 80 7.250 2,370.34 OAK PARK IL 60302 2 04/06/01 00 0432807899 05 06/01/01 0 11005836 O 05/01/31 0 4814801 E84/G01 F 334,100.00 ZZ 360 333,326.65 1 7.375 2,307.55 95 7.125 2,307.55 LAKE VILLA IL 60046 1 04/05/01 12 0432807287 03 05/01/01 30 1 11103452 O 04/01/31 0 4815592 168/168 F 500,000.00 ZZ 360 499,273.92 1 7.625 3,538.97 80 7.375 3,538.97 BROOKLYN NY 11226 1 03/12/01 00 0189708883 05 05/01/01 0 0189708883 O 04/01/31 0 4815808 168/168 F 304,000.00 ZZ 360 303,535.94 1 7.375 2,099.65 80 7.125 2,099.65 BETHPAGE NY 11714 1 03/23/01 00 0189731265 05 05/01/01 0 0189731265 O 04/01/31 0 4816296 964/G01 F 393,000.00 ZZ 360 393,000.00 1 7.250 2,680.95 67 7.000 2,680.95 SCOTTSDALE AZ 85255 1 05/22/01 00 0432853703 03 07/01/01 0 124309 O 06/01/31 0 4816600 E84/G01 F 565,000.00 ZZ 360 564,580.69 1 7.500 3,950.56 63 7.250 3,950.56 SAN FRANCISCO CA 94114 5 04/12/01 00 0432791952 05 06/01/01 0 23010509 O 05/01/31 0 4816684 E22/G01 F 360,000.00 ZZ 360 360,000.00 1 7.250 2,455.83 57 7.000 2,455.83 CUPERTINO CA 95014 5 05/08/01 00 0412525263 09 07/01/01 0 0412525263 O 06/01/31 0 1 4816690 E22/G01 F 350,000.00 ZZ 360 350,000.00 1 7.625 2,477.28 68 7.375 2,477.28 SALINAS CA 93908 5 05/09/01 00 0412547283 09 07/01/01 0 0412547283 O 06/01/31 0 4816699 E22/G01 F 348,500.00 ZZ 360 348,500.00 1 7.375 2,407.00 75 7.125 2,407.00 WINDSOR CA 95492 2 05/08/01 00 0412570681 03 07/01/01 0 0412570681 O 06/01/31 0 4816719 E22/G01 F 607,500.00 ZZ 360 607,500.00 1 7.250 4,144.22 70 7.000 4,144.22 SAN JOSE CA 95125 5 05/08/01 00 0412605883 05 07/01/01 0 0412605883 O 06/01/31 0 4816737 E22/G01 F 364,500.00 ZZ 360 364,500.00 1 7.500 2,548.64 90 7.250 2,548.64 GLENDALE CA 91214 2 05/11/01 04 0412628737 05 07/01/01 25 0412628737 O 06/01/31 0 4816799 E87/G01 F 334,000.00 ZZ 360 334,000.00 1 7.125 2,250.22 80 6.875 2,250.22 OJAI CA 93023 1 05/18/01 00 0432853851 05 07/01/01 0 70003515 O 06/01/31 0 4816817 E84/G01 F 327,100.00 ZZ 360 326,612.98 1 7.500 2,287.13 80 7.250 2,287.13 1 FAIRFIELD CA 94533 1 03/23/01 00 0432834067 05 05/01/01 0 73310005 O 04/01/31 0 4816820 E84/G01 F 448,000.00 ZZ 360 447,659.11 1 7.375 3,094.22 64 7.125 3,094.22 OAKLAND CA 94618 2 03/29/01 00 0432791739 05 06/01/01 0 54010149 O 05/01/31 0 4817138 168/168 F 306,000.00 ZZ 360 305,532.87 1 7.375 2,113.47 72 7.125 2,113.47 PACIFICA CA 94044 2 03/15/01 00 0439629934 05 05/01/01 0 0439629934 O 04/01/31 0 4817656 168/168 F 348,000.00 ZZ 360 347,468.77 1 7.375 2,403.55 80 7.125 2,403.55 SANTA CRUZ CA 95062 1 03/02/01 00 0439574668 05 05/01/01 0 0439574668 O 04/01/31 0 4817669 E84/G01 F 456,000.00 ZZ 360 455,303.91 1 7.375 3,149.48 80 7.125 3,149.48 WEST HOLLYWOOD CA 90048 2 03/26/01 00 0432795821 05 05/01/01 0 12050738 O 04/01/31 0 4817867 E82/G01 F 356,000.00 ZZ 360 356,000.00 1 7.375 2,458.80 80 7.125 2,458.80 BREWSTER NY 10509 2 05/11/01 00 0400408456 05 07/01/01 0 4817867 O 06/01/31 0 1 4817872 E84/G01 F 323,300.00 ZZ 360 322,806.49 1 7.375 2,232.95 79 7.125 2,232.95 MUNDELEIN IL 60060 2 03/27/01 00 0432857340 05 05/01/01 0 11104161 O 04/01/31 0 4817916 168/168 F 550,000.00 ZZ 360 549,139.30 4 7.250 3,751.97 55 7.000 3,751.97 BROOKLYN NY 11231 1 03/30/01 00 0249734591 05 05/01/01 0 0249734591 O 04/01/31 0 4818023 964/G01 F 312,800.00 ZZ 360 312,800.00 1 7.500 2,187.14 80 7.250 2,187.14 THOUSAND OAKS CA 91360 1 05/21/01 00 0432853711 05 07/01/01 0 123948 O 06/01/31 0 4818043 E84/G01 F 500,000.00 ZZ 360 499,590.16 1 7.000 3,326.51 78 6.750 3,326.51 CHESTERFIELD MO 63017 1 04/13/01 00 0432792943 03 06/01/01 0 11902793 O 05/01/31 0 4818203 E84/G01 F 605,350.00 ZZ 360 604,889.38 1 7.375 4,181.00 76 7.125 4,181.00 ANNAPOLIS MD 21403 2 04/19/01 00 0432792406 05 06/01/01 0 70306361 O 05/01/31 0 4818597 B60/G01 F 400,000.00 ZZ 360 400,000.00 1 1 7.250 2,728.71 62 7.000 2,728.71 SAN DIEGO CA 92130 5 05/10/01 00 0432859346 05 07/01/01 0 330260 O 06/01/31 0 4819812 B60/G01 F 303,200.00 ZZ 360 303,200.00 1 7.375 2,094.13 79 7.125 2,094.13 ANAHEIM CA 92807 2 05/02/01 00 0432862829 03 07/01/01 0 327549 O 06/01/31 0 4819983 E82/G01 F 400,000.00 ZZ 360 400,000.00 1 7.375 2,762.70 72 7.125 2,762.70 DOVE CANYON CA 92679 5 05/11/01 00 0400422333 03 07/01/01 0 0400422333 O 06/01/31 0 4819991 E82/G01 F 345,400.00 ZZ 360 345,400.00 1 7.375 2,385.59 73 7.125 2,385.59 SNOHOMISH WA 98296 2 05/14/01 00 0400421715 05 07/01/01 0 1931681 O 06/01/31 0 4819999 T35/G01 F 650,000.00 ZZ 360 650,000.00 1 7.250 4,434.15 80 7.000 4,434.15 HINGHAM MA 02043 1 05/18/01 00 0400409280 05 07/01/01 0 602866 O 06/01/31 0 4820000 T35/G01 F 326,000.00 ZZ 360 326,000.00 1 6.750 2,114.43 55 6.500 2,114.43 BARRINGTON HILL IL 60010 2 05/16/01 00 0400414348 05 07/01/01 0 1 0400414348 O 06/01/31 0 4820103 168/168 F 337,500.00 ZZ 360 336,409.05 1 8.250 2,535.52 75 8.000 2,535.52 DALY CITY CA 94015 5 12/11/00 00 0439586933 05 02/01/01 0 0439586933 O 01/01/31 0 4820525 168/168 F 413,000.00 ZZ 360 412,385.06 1 7.500 2,887.76 54 7.250 2,887.76 DUBLIN CA 94568 5 03/12/01 00 0439602254 03 05/01/01 0 0439602254 O 04/01/31 0 4820699 E84/G01 F 296,000.00 ZZ 360 295,548.15 1 7.375 2,044.40 80 7.125 2,044.40 CHESTERFIELD MO 63017 5 03/26/01 00 0432815108 03 05/01/01 0 14602793 O 04/01/31 0 4820866 E22/G01 F 331,000.00 ZZ 360 331,000.00 1 7.375 2,286.13 57 7.125 2,286.13 IRVINE CA 92612 2 05/08/01 00 0412424194 09 07/01/01 0 0412424194 O 06/01/31 0 4820884 E22/G01 F 476,000.00 ZZ 360 476,000.00 1 7.375 3,287.61 68 7.125 3,287.61 SAN MATEO CA 94402 5 05/08/01 00 0412590309 05 07/01/01 0 0412590309 O 06/01/31 0 1 4820947 E84/G01 F 353,000.00 ZZ 360 352,731.40 1 7.375 2,438.08 66 7.125 2,438.08 PARADISE VALLEY AZ 85253 5 04/05/01 00 0432812329 05 06/01/01 0 13402353 O 05/01/31 0 4820982 168/168 F 368,000.00 ZZ 360 367,465.61 1 7.625 2,604.68 80 7.375 2,604.68 GOLETA CA 93117 1 03/02/01 00 0439597757 05 05/01/01 0 0439597757 O 04/01/31 0 4820985 026/G01 F 699,000.00 ZZ 360 699,000.00 1 6.750 4,533.71 59 6.500 4,533.71 ATLANTA GA 30350 1 05/11/01 00 0432863488 03 07/01/01 0 0457711 O 06/01/31 0 4820990 168/168 F 380,000.00 ZZ 360 379,232.95 1 7.500 2,657.02 79 7.250 2,657.02 SAN FRANCISCO CA 94112 2 03/07/01 00 0439609577 05 05/01/01 0 0439609577 O 04/01/31 0 4821172 E84/G01 F 390,000.00 ZZ 360 389,419.31 1 7.500 2,726.94 75 7.250 2,726.94 ASHLAND OR 97520 5 03/23/01 00 0432823201 05 05/01/01 0 60802842 O 04/01/31 0 4821294 B60/G01 F 495,000.00 ZZ 360 495,000.00 1 7.250 3,376.77 66 7.000 3,376.77 1 ORANGE CA 92705 1 05/16/01 00 0432863769 05 07/01/01 0 332181 O 06/01/31 0 4821297 168/168 F 500,000.00 ZZ 360 499,255.54 1 7.500 3,496.07 69 7.250 3,496.07 SAN FRANCISCO CA 94127 5 03/08/01 00 0439610168 05 05/01/01 0 0439610168 O 04/01/31 0 4821332 L20/G01 F 432,000.00 ZZ 360 432,000.00 1 7.375 2,983.72 80 7.125 2,983.72 SALT LAKE CITY UT 84124 2 05/17/01 00 0432857068 05 07/01/01 0 283112 O 06/01/31 0 4821433 E84/G01 F 493,000.00 ZZ 360 492,605.76 1 7.125 3,321.43 80 6.875 3,321.43 CONCORD CA 94518 1 04/05/01 00 0432816312 03 06/01/01 0 50410010 O 05/01/31 0 4821677 E84/G01 F 398,000.00 ZZ 360 397,689.52 1 7.250 2,715.06 62 7.000 2,715.06 NORTHBROOK IL 60062 2 04/04/01 00 0432857886 05 06/01/01 0 11006181 O 05/01/31 0 4821915 E84/G01 F 375,000.00 ZZ 360 374,427.56 1 7.375 2,590.03 66 7.125 2,590.03 CHICAGO IL 60641 5 03/30/01 00 0432816908 05 05/01/01 0 11005800 O 04/01/31 0 1 4822218 168/168 F 444,000.00 ZZ 360 443,322.22 1 7.375 3,066.60 80 7.125 3,066.60 UPPER MAKEFIELD PA 18940 1 03/29/01 00 0249679124 03 05/01/01 0 0249679124 O 04/01/31 0 4822377 S11/G01 F 650,000.00 ZZ 360 649,492.93 1 7.250 4,434.15 39 7.000 4,434.15 NEWPORT BEACH CA 92625 1 04/25/01 00 0432863140 03 06/01/01 0 10202744 O 05/01/31 0 4822499 B60/G01 F 151,920.00 ZZ 360 151,920.00 1 7.750 1,088.37 80 7.500 1,088.37 WINDHAM NH 03087 1 05/25/01 00 0432855062 01 07/01/01 0 330400 O 06/01/31 0 4823094 168/168 F 340,000.00 ZZ 360 339,493.76 1 7.500 2,377.33 80 7.250 2,377.33 SOMERS NY 10536 1 03/23/01 00 0249713403 05 05/01/01 0 0249713403 O 04/01/31 0 4823186 964/G01 F 330,000.00 ZZ 360 330,000.00 1 7.500 2,307.41 63 7.250 2,307.41 NOVATO CA 94945 5 05/23/01 00 0432855591 05 07/01/01 0 117700 O 06/01/31 0 4823435 E84/G01 F 360,400.00 ZZ 360 359,849.85 1 1 7.375 2,489.19 80 7.125 2,489.19 PARKER CO 80138 1 03/21/01 00 0432806685 03 05/01/01 0 81080010 O 04/01/31 0 4823605 168/168 F 440,000.00 ZZ 360 439,328.34 1 7.375 3,038.97 73 7.125 3,038.97 DIX HILLS NY 11746 1 03/14/01 00 0249659018 05 05/01/01 0 0249659018 O 04/01/31 0 4823606 P59/G01 F 360,000.00 ZZ 360 360,000.00 1 7.250 2,455.84 67 7.000 2,455.84 BAKERSFIELD CA 93311 5 05/22/01 00 0432854297 05 07/01/01 0 LA000635 O 06/01/31 0 4823692 944/G01 F 335,200.00 ZZ 360 335,200.00 1 6.875 2,202.03 80 6.625 2,202.03 GALTHERSBURG MD 20882 2 05/10/01 00 0432832236 05 07/01/01 0 W88014856 O 06/01/31 0 4823824 757/G01 F 620,000.00 ZZ 360 620,000.00 1 7.250 4,229.50 68 7.000 4,229.50 ATLANTA GA 30345 1 05/31/01 00 0432856367 05 07/01/01 0 1000238335 O 06/01/31 0 4823831 168/168 F 386,000.00 ZZ 360 385,425.27 1 7.500 2,698.97 75 7.250 2,698.97 CLAYTON CA 94517 2 03/16/01 00 0439598915 05 05/01/01 0 1 0439598915 O 04/01/31 0 4824080 E84/G01 F 392,000.00 ZZ 360 391,401.60 1 7.375 2,707.45 80 7.125 2,707.45 CHICAGO IL 60659 2 03/28/01 00 0432815033 05 05/01/01 0 11205273 O 04/01/31 0 4824554 168/168 F 308,000.00 ZZ 360 307,494.99 1 7.500 2,153.58 69 7.250 2,153.58 DALY CITY CA 94015 5 03/07/01 00 0439619378 05 05/01/01 0 0439619378 O 04/01/31 0 4824621 168/168 F 450,000.00 ZZ 360 449,313.06 1 7.375 3,108.04 75 7.125 3,108.04 BERKELEY CA 94705 2 03/20/01 00 0439610818 05 05/01/01 0 0439610818 O 04/01/31 0 4824738 A80/G01 F 50,500.00 ZZ 360 50,500.00 1 7.375 348.79 56 7.125 348.79 MIAMI FL 33172 1 05/25/01 00 0432853653 08 07/01/01 0 0153594 O 06/01/31 0 4824910 R65/G01 F 345,000.00 ZZ 360 344,730.87 1 7.250 2,353.51 62 7.000 2,353.51 BEL AIR MD 21015 1 04/27/01 00 0432822401 05 06/01/01 0 20012321 O 05/01/31 0 1 4825001 168/168 F 344,000.00 ZZ 360 343,474.89 1 7.375 2,375.92 50 7.125 2,375.92 SACRAMENTO CA 95864 5 03/15/01 00 0439610281 03 05/01/01 0 0439610281 O 04/01/31 0 4825190 168/168 F 410,000.00 ZZ 360 409,389.54 1 7.500 2,866.78 53 7.250 2,866.78 SAN JOSE CA 95118 5 03/10/01 00 0439598133 05 05/01/01 0 0439598133 O 04/01/31 0 4825516 964/G01 F 300,000.00 ZZ 360 300,000.00 1 7.500 2,097.64 61 7.250 2,097.64 SHINGLE SPRINGS CA 95682 5 05/22/01 00 0432854347 05 07/01/01 0 122892 O 06/01/31 0 4825824 168/168 F 380,000.00 ZZ 360 379,319.30 1 7.375 2,624.57 63 7.125 2,624.57 UNION CITY CA 94587 5 03/02/01 00 0439594421 05 05/01/01 0 0439594421 O 04/01/31 0 4825944 964/G01 F 375,000.00 ZZ 360 375,000.00 1 6.875 2,463.48 59 6.625 2,463.48 SANTA CRUZ CA 95060 5 05/29/01 00 0432858454 05 07/01/01 0 125190 O 06/01/31 0 4826147 E11/G01 F 211,600.00 ZZ 360 211,600.00 1 7.250 1,443.49 59 7.000 1,443.49 1 EDINA MN 55424 2 05/24/01 00 0432853810 05 07/01/01 0 0003001032030 O 06/01/31 0 4826643 964/G01 F 294,800.00 ZZ 360 294,800.00 1 7.250 2,011.06 80 7.000 2,011.06 TUSTIN CA 92782 1 05/24/01 00 0432854503 01 07/01/01 0 126353 O 06/01/31 0 4827057 964/G01 F 356,000.00 ZZ 360 356,000.00 1 7.375 2,458.80 80 7.125 2,458.80 WEST HOLLYWOOD CA 90069 1 05/23/01 00 0432854479 05 07/01/01 0 124605 O 06/01/31 0 4827877 T35/G01 F 119,000.00 ZZ 360 119,000.00 1 6.750 771.83 65 6.500 771.83 WYOMING MN 55092 2 05/17/01 00 0400421293 05 07/01/01 0 0400421293 O 06/01/31 0 4828186 253/253 F 463,380.00 ZZ 360 463,380.00 1 7.250 3,161.07 69 7.000 3,161.07 WEATHERFORD TX 76087 2 05/24/01 00 968090 05 07/01/01 0 968090 O 06/01/31 0 4828347 E22/G01 F 156,000.00 ZZ 360 156,000.00 1 8.125 1,158.30 80 7.875 1,158.30 VANCOUVER WA 98662 2 04/30/01 00 0412452872 05 07/01/01 0 0412452872 O 06/01/31 0 1 4828362 E22/G01 F 650,000.00 ZZ 360 650,000.00 1 7.125 4,379.17 77 6.875 4,379.17 SAN MATEO CA 94403 1 05/10/01 00 0412576738 05 07/01/01 0 0412576738 O 06/01/31 0 4828365 E22/G01 F 310,000.00 ZZ 360 310,000.00 1 7.125 2,088.53 80 6.875 2,088.53 KIRKLAND WA 98033 2 05/09/01 00 0412581530 05 07/01/01 0 0412581530 O 06/01/31 0 4828366 E22/G01 F 216,000.00 ZZ 360 216,000.00 1 7.500 1,510.30 80 7.250 1,510.30 PARKER CO 80134 2 05/14/01 00 0412582199 03 07/01/01 0 0412582199 O 06/01/31 0 4828376 E22/G01 F 528,000.00 ZZ 360 528,000.00 1 7.000 3,512.80 53 6.750 3,512.80 ST. AUGUSTINE FL 32080 2 05/14/01 00 0412601221 05 07/01/01 0 0412601221 O 06/01/31 0 4828433 E22/G01 F 353,600.00 ZZ 360 353,600.00 1 7.375 2,442.23 80 7.125 2,442.23 SHELBY TOWNSHIP MI 48315 1 05/18/01 00 0412655334 05 07/01/01 0 0412655334 O 06/01/31 0 4829221 822/G01 F 412,000.00 ZZ 360 411,636.49 1 1 6.625 2,638.09 75 6.375 2,638.09 WEST CHESTER PA 19382 2 04/19/01 00 0432853521 05 06/01/01 0 3626057348 O 05/01/31 0 4829881 R65/G01 F 475,000.00 ZZ 360 475,000.00 1 7.250 3,240.34 70 7.000 3,240.34 ASHBURN VA 20147 2 05/29/01 00 0432853935 05 07/01/01 0 20013034 O 06/01/31 0 4830672 E45/G01 F 308,000.00 ZZ 360 308,000.00 1 7.500 2,153.58 80 7.250 2,153.58 FARMINGTON UT 84025 1 05/25/01 00 0432853802 03 07/01/01 0 133302 O 06/01/31 0 4830735 L20/G01 F 397,000.00 ZZ 360 397,000.00 1 7.375 2,741.98 78 7.125 2,741.98 SALT LAKE CITY UT 84103 2 05/21/01 00 0432850808 05 07/01/01 0 283108 O 06/01/31 0 4830830 T44/G01 F 331,500.00 ZZ 360 331,500.00 1 7.000 2,205.48 85 6.750 2,205.48 CHARLOTTE NC 28270 2 05/25/01 11 0432864130 05 07/01/01 12 1011506 O 06/01/31 0 4830908 N47/G01 F 296,000.00 ZZ 360 296,000.00 1 7.250 2,019.24 80 7.000 2,019.24 FREMONT CA 94539 1 04/30/01 00 0432836740 05 07/01/01 0 1 20310536 O 06/01/31 0 4831122 369/G01 F 299,900.00 ZZ 360 299,900.00 1 7.375 2,071.33 80 7.125 2,071.33 GLEN MILLS PA 19342 1 05/25/01 00 0432857092 05 07/01/01 0 0073077513 O 06/01/31 0 4831520 E84/G01 F 335,000.00 ZZ 360 334,501.21 1 7.500 2,342.37 48 7.250 2,342.37 SEBASTOPOL CA 95472 5 03/13/01 00 0432823243 05 05/01/01 0 37010366 O 04/01/31 0 4832133 L60/L60 F 70,000.00 ZZ 360 69,946.74 1 7.375 483.47 51 7.125 483.47 GREENSBORO NC 27407 5 04/05/01 00 6610656348 03 06/01/01 0 6610656348 O 05/01/31 0 4832135 L60/L60 F 77,000.00 ZZ 360 76,794.77 1 7.125 518.76 73 6.875 518.76 CONOVER NC 28613 1 03/30/01 00 6610614408 05 05/01/01 0 6610614408 O 04/01/31 0 4832143 L60/L60 F 102,400.00 ZZ 360 102,247.53 1 7.500 716.00 77 7.250 716.00 VIRGINIA BEACH VA 23456 2 03/19/01 00 6990309416 05 05/01/01 0 6990309416 O 04/01/31 0 1 4832149 L60/L60 F 125,000.00 ZZ 360 124,907.23 1 7.500 874.02 53 7.250 874.02 KEY WEST FL 33040 5 04/12/01 00 6960113215 05 06/01/01 0 6960113215 O 05/01/31 0 4832166 L60/L60 F 275,000.00 ZZ 360 269,536.20 1 7.000 1,829.58 80 6.750 1,829.58 SEVERNA PARK MD 21146 1 03/20/01 00 6920032646 01 05/01/01 0 6920032646 O 04/01/31 0 4832171 L60/L60 F 292,000.00 ZZ 360 291,079.73 1 8.375 2,219.42 27 8.125 2,219.42 WASHINGTON DC 20016 2 12/15/00 00 6990260956 05 02/01/01 0 6990260956 O 01/01/31 0 4832173 L60/L60 F 296,600.00 ZZ 360 296,147.24 1 7.375 2,048.54 80 7.125 2,048.54 OLNEY MD 20832 1 03/26/01 00 6920043648 03 05/01/01 0 6920043648 O 04/01/31 0 4832175 L60/L60 F 300,000.00 ZZ 360 298,815.62 1 7.250 2,046.53 53 7.000 2,046.53 BURKE VA 22015 1 12/15/00 00 6990272903 05 02/01/01 0 6990272903 O 01/01/31 0 4832176 L60/L60 F 300,000.00 ZZ 360 298,954.07 1 7.875 2,175.21 49 7.625 2,175.21 1 BURKE VA 22015 1 12/21/00 00 6990204347 03 02/01/01 0 6990204347 O 01/01/31 0 4832179 L60/L60 F 300,000.00 ZZ 360 299,327.90 1 7.500 2,097.64 34 7.250 2,097.64 POTOMAC MD 20854 5 02/28/01 00 6990309084 05 04/01/01 0 6990309084 O 03/01/31 0 4832185 L60/L60 F 308,000.00 T 360 307,529.84 1 7.375 2,127.28 80 7.125 2,127.28 SUNSET BEACH NC 28468 1 03/23/01 00 6610614572 05 05/01/01 0 6610614572 O 04/01/31 0 4832186 L60/L60 F 309,000.00 ZZ 360 308,341.49 1 7.750 2,213.72 79 7.500 2,213.72 MILLERSVILLE MD 21108 2 02/20/01 00 6990244837 05 04/01/01 0 6990244837 O 03/01/31 0 4832189 L60/L60 F 311,500.00 ZZ 360 311,024.50 1 7.375 2,151.45 63 7.125 2,151.45 DILLSBORO NC 28725 2 03/14/01 00 6610596108 05 05/01/01 0 6610596108 O 04/01/31 0 4832192 L60/L60 F 315,000.00 ZZ 360 314,766.22 1 7.500 2,202.53 75 7.250 2,202.53 STERLING VA 20165 5 04/16/01 00 6960138641 03 06/01/01 0 6960138641 O 05/01/31 0 1 4832196 L60/L60 F 317,500.00 ZZ 360 317,239.74 1 7.000 2,112.34 80 6.750 2,112.34 MANASSAS VA 20112 1 04/30/01 00 6920014990 05 06/01/01 0 6920014990 O 05/01/31 0 4832199 L60/L60 F 320,000.00 ZZ 360 319,300.75 1 7.625 2,264.94 80 7.375 2,264.94 PHOENIX MD 21131 2 02/23/01 00 6990301938 05 04/01/01 0 6990301938 O 03/01/31 0 4832206 L60/L60 F 325,000.00 ZZ 360 324,396.36 1 6.375 2,027.58 71 6.125 2,027.58 FAIRFAX VA 22030 1 03/28/01 00 6920015024 03 05/01/01 0 6920015024 O 04/01/31 0 4832212 L60/L60 F 335,000.00 ZZ 360 334,484.65 1 7.625 2,371.11 68 7.375 2,371.11 ATLANTA GA 30306 5 02/27/01 00 6960106324 05 05/01/01 0 6960106324 O 04/01/31 0 4832214 L60/L60 F 338,400.00 ZZ 360 337,896.15 1 7.500 2,366.14 80 7.250 2,366.14 VIRGINIA BEACH VA 23451 1 03/15/01 00 6920041866 05 05/01/01 0 6920041866 O 04/01/31 0 4832216 L60/L60 F 340,000.00 ZZ 360 339,734.77 1 1 7.250 2,319.40 68 7.000 2,319.40 SUMMERFIELD NC 27358 5 04/06/01 00 6610654183 05 06/01/01 0 6610654183 O 05/01/31 0 4832217 L60/L60 F 345,300.00 ZZ 360 344,290.73 1 7.625 2,444.02 80 7.375 2,444.02 SPRINGFIELD VA 22153 1 01/23/01 00 6990273136 05 03/01/01 0 6990273136 O 02/01/31 0 4832221 L60/L60 F 346,000.00 ZZ 360 345,243.93 1 7.625 2,448.97 85 7.375 2,448.97 CENTREVILLE VA 20121 2 02/22/01 12 6990298678 03 04/01/01 12 6990298678 O 03/01/31 0 4832222 L60/L60 F 346,000.00 ZZ 360 345,484.84 1 7.500 2,419.28 54 7.250 2,419.28 CHAPEL HILL NC 27514 5 03/15/01 00 6990315696 05 05/01/01 0 6990315696 O 04/01/31 0 4832227 L60/L60 F 352,000.00 ZZ 360 351,488.86 1 7.625 2,491.43 80 7.375 2,491.43 WESTFIELD IN 46074 2 03/09/01 00 6990306492 05 05/01/01 0 6990306492 O 04/01/31 0 4832228 L60/L60 F 355,000.00 ZZ 360 354,416.33 1 7.000 2,361.82 66 6.750 2,361.82 ALPHARETTA GA 30022 2 03/26/01 00 6610617156 03 05/01/01 0 1 6610617156 O 04/01/31 0 4832236 L60/L60 F 360,000.00 ZZ 360 359,719.17 1 7.250 2,455.83 72 7.000 2,455.83 FAIRFAX VA 22030 1 04/12/01 00 6920014788 03 06/01/01 0 6920014788 O 05/01/31 0 4832237 L60/L60 F 362,000.00 ZZ 360 360,060.11 1 8.125 2,687.84 56 7.875 2,687.84 CHARLOTTE NC 28211 5 09/14/00 00 6990224801 05 11/01/00 0 6990224801 O 10/01/30 0 4832238 L60/L60 F 361,050.00 ZZ 360 360,156.98 1 7.000 2,402.07 80 6.750 2,402.07 FAIRFAX VA 22030 1 02/27/01 00 6920005606 05 04/01/01 0 6920005606 O 03/01/31 0 4832241 L60/L60 F 368,450.00 ZZ 360 367,288.83 1 8.375 2,800.49 80 8.125 2,800.49 OLNEY MD 20832 1 12/14/00 00 6990272326 03 02/01/01 0 6990272326 O 01/01/31 0 4832247 L60/L60 F 375,920.00 ZZ 360 375,301.92 1 7.000 2,501.01 80 6.750 2,501.01 MANASSAS VA 20112 1 03/06/01 00 6990295989 03 05/01/01 0 6990295989 O 04/01/31 0 1 4832250 L60/L60 F 381,300.00 ZZ 360 380,773.46 1 7.875 2,764.69 55 7.625 2,764.69 BLOWING ROCK NC 28605 2 03/23/01 00 6610610887 05 05/01/01 0 6610610887 O 04/01/31 0 4832252 L60/L60 F 386,250.00 ZZ 360 385,703.02 1 7.750 2,767.14 75 7.500 2,767.14 OAK HILL VA 20171 5 03/08/01 00 6960088431 05 05/01/01 0 6960088431 O 04/01/31 0 4832253 L60/L60 F 387,000.00 ZZ 360 386,132.97 1 7.500 2,705.96 75 7.250 2,705.96 MORRISVILLE NC 27560 5 02/28/01 00 6990294826 03 04/01/01 0 6990294826 O 03/01/31 0 4832257 L60/L60 F 395,000.00 ZZ 360 393,690.44 1 8.125 2,932.87 64 7.875 2,932.87 BALTIMORE MD 21210 1 12/15/00 00 6990268582 05 02/01/01 0 6990268582 O 01/01/31 0 4832258 L60/L60 F 395,000.00 ZZ 360 394,397.02 1 7.375 2,728.17 76 7.125 2,728.17 FALLSTON MD 21047 1 03/29/01 00 6920044059 05 05/01/01 0 6920044059 O 04/01/31 0 4832262 L60/L60 F 398,400.00 ZZ 360 397,806.81 1 7.500 2,785.67 80 7.250 2,785.67 1 CHAPEL HILL NC 27516 1 03/15/01 00 6990318822 03 05/01/01 0 6990318822 O 04/01/31 0 4832268 L60/L60 F 400,000.00 ZZ 360 399,687.96 1 7.250 2,728.71 61 7.000 2,728.71 CHAPIN SC 29036 5 04/19/01 00 6610655198 05 06/01/01 0 6610655198 O 05/01/31 0 4832276 L60/L60 F 420,000.00 T 360 419,358.86 1 7.375 2,900.84 63 7.125 2,900.84 NAGS HEAD NC 27959 2 03/13/01 00 6990294656 05 05/01/01 0 6990294656 O 04/01/31 0 4832278 L60/L60 F 424,000.00 ZZ 360 423,202.88 1 7.000 2,820.88 80 6.750 2,820.88 FAIRFAX VA 22030 1 03/27/01 00 6920016489 03 05/01/01 0 6920016489 O 04/01/31 0 4832281 L60/L60 F 432,000.00 ZZ 360 431,340.54 1 7.375 2,983.72 80 7.125 2,983.72 EDGEWATER MD 21037 1 03/30/01 00 6920031399 05 05/01/01 0 6920031399 O 04/01/31 0 4832285 L60/L60 F 437,000.00 ZZ 360 436,675.68 1 7.500 3,055.57 63 7.250 3,055.57 GOLDSBORO NC 27534 2 04/23/01 00 6610642622 05 06/01/01 0 6610642622 O 05/01/31 0 1 4832286 L60/L60 F 445,000.00 ZZ 300 443,498.98 1 7.625 3,324.78 76 7.375 3,324.78 RALEIGH NC 27606 2 02/22/01 00 6990305615 05 04/01/01 0 6990305615 O 03/01/26 0 4832288 L60/L60 F 450,000.00 ZZ 360 449,346.55 1 7.625 3,185.07 62 7.375 3,185.07 RALEIGH NC 27608 2 03/14/01 00 6610596574 05 05/01/01 0 6610596574 O 04/01/31 0 4832294 L60/L60 F 470,000.00 ZZ 360 469,651.19 1 7.500 3,286.31 72 7.250 3,286.31 JACKSON MS 39211 2 03/28/01 00 6960094849 05 06/01/01 0 6960094849 O 05/01/31 0 4832296 L60/L60 F 473,200.00 ZZ 360 471,286.00 1 7.125 3,188.04 80 6.875 3,188.04 ALPHARETTA GA 30005 1 03/02/01 00 6990302586 03 04/01/01 0 6990302586 O 03/01/31 0 4832298 L60/L60 F 478,000.00 ZZ 360 477,627.12 1 7.250 3,260.80 69 7.000 3,260.80 CHARLOTTE NC 28203 5 04/04/01 00 6610644528 05 06/01/01 0 6610644528 O 05/01/31 0 4832313 L60/L60 F 525,000.00 ZZ 360 524,218.30 1 1 7.500 3,670.88 65 7.250 3,670.88 WASHINGTON DC 20007 5 03/16/01 00 6990305186 03 05/01/01 0 6990305186 O 04/01/31 0 4832322 L60/L60 F 586,350.00 ZZ 360 584,035.11 1 7.250 3,999.95 80 7.000 3,999.95 OAKTON VA 22124 1 12/13/00 00 6990273829 03 02/01/01 0 6990273829 O 01/01/31 0 4832324 L60/L60 F 599,200.00 ZZ 360 598,307.84 1 7.500 4,189.69 80 7.250 4,189.69 BETHESDA MD 20814 1 03/20/01 00 6990322668 05 05/01/01 0 6990322668 O 04/01/31 0 4832325 L60/L60 F 600,000.00 ZZ 360 598,655.77 1 7.500 4,195.29 80 7.250 4,195.29 WASHINGTON DC 20007 1 02/28/01 00 6990303574 05 04/01/01 0 6990303574 O 03/01/31 0 4832329 L60/L60 F 650,000.00 ZZ 360 647,597.21 1 8.125 4,826.24 77 7.875 4,826.24 FAIRFAX STATION VA 22039 1 12/08/00 00 6990268272 05 02/01/01 0 6990268272 O 01/01/31 0 4832344 L60/L60 F 472,500.00 ZZ 360 471,757.83 1 7.625 3,344.33 75 7.375 3,344.33 SIMPSONVILLE SC 29681 2 03/23/01 00 6610560103 03 05/01/01 0 1 6610560103 O 04/01/31 0 4832345 L60/L60 F 446,000.00 ZZ 360 444,800.53 1 7.250 3,042.51 74 7.000 3,042.51 MOORESVILLE NC 28115 2 03/21/01 00 6610613215 05 05/01/01 0 6610613215 O 04/01/31 0 4832347 L60/L60 F 289,400.00 ZZ 360 289,065.55 1 7.500 2,023.53 75 7.250 2,023.53 SPARKS MD 21152 2 04/24/01 00 6920054372 05 06/01/01 0 6920054372 O 05/01/31 0 4832348 L60/L60 F 366,500.00 ZZ 360 365,678.70 1 7.500 2,562.62 50 7.250 2,562.62 KEY WEST FL 33040 2 03/15/01 00 6960047395 05 05/01/01 0 6960047395 O 04/01/31 0 4832350 L60/L60 F 500,000.00 ZZ 360 498,718.45 1 7.250 3,410.88 79 7.000 3,410.88 TRAVELERS REST SC 29690 2 02/23/01 00 6960091734 05 04/01/01 0 6960091734 O 03/01/31 0 4832351 L60/L60 F 334,400.00 ZZ 360 333,897.05 1 7.625 2,366.86 80 7.375 2,366.86 STAFFORD VA 22554 2 03/23/01 00 6960094229 03 05/01/01 0 6960094229 O 04/01/31 0 1 4832353 L60/L60 F 332,500.00 ZZ 360 331,460.99 1 7.875 2,410.86 80 7.625 2,410.86 DURHAM NC 27705 2 02/09/01 00 6990279878 03 04/01/01 0 6990279878 O 03/01/31 0 4832358 L60/L60 F 308,000.00 ZZ 360 307,117.00 1 7.625 2,180.00 78 7.375 2,180.00 GLEN ALLEN VA 23059 2 03/19/01 00 6990321254 03 05/01/01 0 6990321254 O 04/01/31 0 4833542 L46/L46 F 372,800.00 ZZ 360 372,509.17 1 7.250 2,543.16 80 7.000 2,543.16 DALLAS TX 75248 1 04/24/01 00 0000935460 05 06/01/01 0 0000935460 O 05/01/31 0 4835332 B60/G01 F 319,000.00 ZZ 360 319,000.00 1 7.375 2,203.25 77 7.125 2,203.25 DIGHTON MA 02764 2 05/12/01 00 0432859387 05 07/01/01 0 329666 O 06/01/31 0 4836169 E11/G01 F 395,000.00 ZZ 360 395,000.00 1 7.500 2,761.90 64 7.250 2,761.90 ORONO MN 55391 5 05/24/01 00 0432853786 05 07/01/01 0 0003001031372 O 06/01/31 0 4836170 144/144 F 358,800.00 ZZ 360 358,800.00 1 7.375 2,478.14 80 7.125 2,478.14 1 NEW PALTZ NY 12561 1 05/29/01 00 CRYSTAL 05 07/01/01 0 CRYSTAL O 06/01/31 0 4836762 E22/G01 F 464,000.00 ZZ 360 464,000.00 1 7.375 3,204.73 80 7.125 3,204.73 PLACITAS NM 87043 4 05/16/01 00 0412400806 03 07/01/01 0 0412400806 O 06/01/31 0 4836778 E22/G01 F 512,000.00 ZZ 360 512,000.00 1 7.500 3,579.98 65 7.250 3,579.98 CAMPBELL CA 95008 2 05/11/01 00 0412576860 05 07/01/01 0 0412576860 O 06/01/31 0 4836788 E22/G01 F 428,000.00 ZZ 360 428,000.00 1 7.250 2,919.71 80 7.000 2,919.71 TORRANCE CA 90503 2 05/09/01 00 0412600330 05 07/01/01 0 0412600330 O 06/01/31 0 4836796 E22/G01 F 356,250.00 ZZ 360 356,250.00 1 7.375 2,460.53 75 7.125 2,460.53 SAN JOSE CA 95128 5 05/15/01 00 0412602583 05 07/01/01 0 0412602583 O 06/01/31 0 4836799 E22/G01 F 295,000.00 ZZ 360 295,000.00 1 7.250 2,012.42 77 7.000 2,012.42 LITTLE SILVER NJ 07739 2 05/15/01 00 0412604746 05 07/01/01 0 0412604746 O 06/01/31 0 1 4836813 E22/G01 F 350,000.00 ZZ 360 350,000.00 1 7.500 2,447.25 44 7.250 2,447.25 LAGUNA BEACH CA 92651 5 05/10/01 00 0412615452 05 07/01/01 0 0412615452 O 06/01/31 0 4836830 E22/G01 F 205,000.00 ZZ 360 205,000.00 1 7.250 1,398.46 32 7.000 1,398.46 HOUSTON TX 77005 5 05/16/01 00 0412629842 05 07/01/01 0 0412629842 O 06/01/31 0 4836835 E22/G01 F 650,000.00 ZZ 360 650,000.00 1 7.500 4,544.89 65 7.250 4,544.89 LAKE FOREST IL 60045 2 05/16/01 00 0412634008 05 07/01/01 0 0412634008 O 06/01/31 0 4836841 E22/G01 F 74,250.00 ZZ 360 74,250.00 1 8.125 551.30 90 7.875 551.30 GRANBURY TX 76048 1 05/17/01 10 0412636912 05 07/01/01 25 0412636912 O 06/01/31 0 4836848 E22/G01 F 542,500.00 ZZ 360 542,500.00 1 7.625 3,839.78 70 7.375 3,839.78 PENNGROVE CA 94951 1 05/17/01 00 0412643231 05 07/01/01 0 0412643231 O 06/01/31 0 4836849 E22/G01 F 370,500.00 ZZ 360 370,500.00 1 1 7.250 2,527.46 68 7.000 2,527.46 RIDGEFIELD CT 06877 5 05/16/01 00 0412643843 05 07/01/01 0 0412643843 O 06/01/31 0 4836857 E22/G01 F 300,000.00 ZZ 360 300,000.00 1 7.750 2,149.24 80 7.500 2,149.24 SEBASTOPOL CA 95472 1 05/16/01 00 0412651622 05 07/01/01 0 0412651622 O 06/01/31 0 4837062 253/253 F 558,000.00 ZZ 360 558,000.00 1 7.500 3,901.62 51 7.250 3,901.62 WATSONVILLE CA 95076 5 05/07/01 00 967242 05 07/01/01 0 967242 O 06/01/31 0 4838383 964/G01 F 420,000.00 ZZ 360 420,000.00 1 7.750 3,008.93 70 7.500 3,008.93 SACRAMENTO CA 95837 5 05/16/01 00 0432854271 05 07/01/01 0 124421 O 06/01/31 0 4838811 N47/G01 F 360,000.00 ZZ 360 360,000.00 1 7.500 2,517.17 80 7.250 2,517.17 SAN LEANDRO CA 94577 1 05/08/01 00 0432862134 05 07/01/01 0 20510391 O 06/01/31 0 4839029 E11/G01 F 320,000.00 ZZ 360 320,000.00 1 7.250 2,182.96 80 7.000 2,182.96 MINNETONKA MN 55345 1 06/01/01 00 0432858785 05 07/01/01 0 1 1 O 06/01/31 0 4839038 N47/G01 F 520,000.00 ZZ 360 520,000.00 1 7.000 3,459.57 80 6.750 3,459.57 LIVERMORE CA 94550 1 05/01/01 00 0432841575 05 07/01/01 0 20510356 O 06/01/31 0 4839255 E84/G01 F 336,000.00 ZZ 360 335,744.33 1 7.375 2,320.67 80 7.125 2,320.67 ITASCA IL 60143 2 05/01/01 00 0432814895 05 06/01/01 0 11205806 O 05/01/31 0 4839684 624/G01 F 360,000.00 ZZ 360 360,000.00 1 7.375 2,486.43 60 7.125 2,486.43 MONTARA CA 94037 5 05/09/01 00 0432826501 05 07/01/01 0 88615010406F O 06/01/31 0 4840104 E84/G01 F 350,000.00 ZZ 360 350,000.00 1 7.375 2,417.36 64 7.125 2,417.36 CHICAGO IL 60025 2 05/01/01 00 0432823276 05 07/01/01 0 11006708 O 06/01/31 0 4840873 624/G01 F 315,500.00 ZZ 360 315,500.00 1 7.500 2,206.02 54 7.250 2,206.02 MERCER ISLAND WA 98040 2 05/31/01 00 0432853760 05 07/01/01 0 85040810946F O 06/01/31 0 1 4841444 E22/G01 F 1,000,000.00 ZZ 360 1,000,000.00 1 7.250 6,821.76 53 7.000 6,821.76 MANHATTAN BEACH CA 90266 2 05/15/01 00 0412546053 05 07/01/01 0 0412546053 O 06/01/31 0 4841449 E22/G01 F 350,000.00 ZZ 360 350,000.00 1 7.500 2,447.25 58 7.250 2,447.25 BERKELEY CA 94708 5 05/09/01 00 0412555138 05 07/01/01 0 0412555138 O 06/01/31 0 4841453 E22/G01 F 280,000.00 ZZ 360 280,000.00 1 7.375 1,933.89 80 7.125 1,933.89 NEWPORT BEACH CA 92663 1 05/15/01 00 0412562829 01 07/01/01 0 0412562829 O 06/01/31 0 4841456 E22/G01 F 629,000.00 ZZ 360 629,000.00 1 7.250 4,290.89 42 7.000 4,290.89 SAN JOSE CA 95125 5 05/17/01 00 0412566994 05 07/01/01 0 0412566994 O 06/01/31 0 4841481 E22/G01 F 150,050.00 ZZ 360 150,050.00 1 7.500 1,049.17 58 7.250 1,049.17 ARLINGTON TX 76012 5 05/15/01 00 0412608135 05 07/01/01 0 0412608135 O 06/01/31 0 4841506 E22/G01 F 324,000.00 ZZ 360 324,000.00 1 7.375 2,237.79 80 7.125 2,237.79 1 SUNNYVALE CA 94085 1 05/17/01 00 0412639205 05 07/01/01 0 0412639205 O 06/01/31 0 4841510 E22/G01 F 365,000.00 ZZ 360 365,000.00 1 7.375 2,520.96 65 7.125 2,520.96 OAKLAND CA 94618 2 05/16/01 00 0412644429 09 07/01/01 0 0412644429 O 06/01/31 0 4841746 696/G01 F 382,000.00 ZZ 360 382,000.00 1 7.375 2,638.38 80 7.125 2,638.38 BETHESDA MD 20816 5 05/15/01 00 0432818516 05 07/01/01 0 31901063 O 06/01/31 0 4842238 E82/G01 F 350,900.00 ZZ 360 350,900.00 1 7.500 2,453.54 80 7.250 2,453.54 SETAUKET NY 11733 2 05/14/01 00 0400410445 05 07/01/01 0 0400410445 O 06/01/31 0 4842246 E82/G01 F 343,000.00 ZZ 360 343,000.00 1 7.000 2,281.99 72 6.750 2,281.99 WILTON CA 95693 2 05/17/01 00 0400415642 05 07/01/01 0 0400415642 O 06/01/31 0 4843310 B60/G01 F 345,000.00 ZZ 360 345,000.00 1 7.375 2,382.83 59 7.125 2,382.83 CONCORD MA 01742 5 05/15/01 00 0432863215 05 07/01/01 0 330374 O 06/01/31 0 1 4843733 956/G01 F 325,000.00 ZZ 360 325,000.00 1 6.875 2,135.02 71 6.625 2,135.02 HERCULES CA 94547 2 05/04/01 00 0432864098 05 07/01/01 0 111040252 O 06/01/31 0 4843848 T73/G01 F 375,000.00 ZZ 360 375,000.00 1 7.125 2,526.44 66 6.875 2,526.44 WOODBINE MD 21797 1 05/29/01 00 0432853828 05 07/01/01 0 659934 O 06/01/31 0 4844190 956/G01 F 500,000.00 ZZ 360 500,000.00 1 7.500 3,496.07 40 7.250 3,496.07 CUPERTINO CA 95014 2 05/07/01 00 0432826469 05 07/01/01 0 111040255 O 06/01/31 0 4844748 956/G01 F 325,000.00 ZZ 360 324,752.71 1 7.375 2,244.69 75 7.125 2,244.69 SAN JOSE CA 95121 5 04/27/01 00 0432863066 05 06/01/01 0 210120049 O 05/01/31 0 4844837 B60/G01 F 345,000.00 ZZ 360 345,000.00 1 7.625 2,441.89 68 7.375 2,441.89 VENTURA CA 93001 5 05/15/01 00 0432863298 05 07/01/01 0 325162 O 06/01/31 0 4845076 601/G01 F 389,000.00 ZZ 360 389,000.00 1 1 7.375 2,686.73 71 7.125 2,686.73 LAKE ST LOUIS MO 63367 2 05/09/01 00 0432831543 03 07/01/01 0 15257785110 O 06/01/31 0 4845330 601/G01 F 339,400.00 ZZ 360 339,148.11 1 7.500 2,373.14 79 7.250 2,373.14 INDIANAPOLIS IN 46256 2 05/04/01 00 0432831550 03 06/01/01 0 15512577110 O 05/01/31 0 4845862 956/G01 F 310,000.00 ZZ 360 310,000.00 1 7.250 2,114.75 75 7.000 2,114.75 SAN JOSE CA 95122 5 05/09/01 00 0432857555 05 07/01/01 0 211040100 O 06/01/31 0 4846258 696/G01 F 552,800.00 ZZ 360 552,800.00 1 7.375 3,818.05 80 7.125 3,818.05 ARLINGTON VA 22207 1 05/14/01 00 0432818557 05 07/01/01 0 22801037 O 06/01/31 0 4846260 696/G01 F 340,000.00 ZZ 360 340,000.00 1 7.375 2,348.30 80 7.125 2,348.30 GERMANTOWN MD 20876 2 05/18/01 00 0432818631 05 07/01/01 0 31901061 O 06/01/31 0 4846713 964/G01 F 450,000.00 ZZ 360 450,000.00 1 7.500 3,146.47 64 7.250 3,146.47 NOVATO CA 94949 5 05/25/01 00 0432853984 05 07/01/01 0 1 125280 O 06/01/31 0 4848216 N47/G01 F 350,000.00 ZZ 360 350,000.00 1 7.625 2,477.28 69 7.375 2,477.28 SANTA CLARA CA 95051 1 05/10/01 00 0432846004 05 07/01/01 0 20310570 O 06/01/31 0 4848237 N47/G01 F 301,700.00 ZZ 360 301,700.00 1 7.500 2,109.53 74 7.250 2,109.53 SAN JOSE CA 95124 1 05/03/01 00 0432827061 05 07/01/01 0 20210431 O 06/01/31 0 4848264 E85/G01 F 356,250.00 ZZ 360 356,250.00 1 7.375 2,460.53 75 7.125 2,460.53 PETALUMA CA 94952 2 05/07/01 00 0432842128 05 07/01/01 0 2000281 O 06/01/31 0 4848568 E22/G01 F 399,995.00 ZZ 360 399,995.00 1 7.000 2,661.18 75 6.750 2,661.18 LAKE OSWEGO OR 97034 5 05/14/01 00 0412559379 05 07/01/01 0 0412559379 O 06/01/31 0 4848576 E22/G01 F 311,000.00 ZZ 360 311,000.00 1 7.250 2,121.57 75 7.000 2,121.57 PORTLAND OR 97229 2 05/15/01 00 0412583213 03 07/01/01 0 0412583213 O 06/01/31 0 1 4848611 E22/G01 F 432,000.00 ZZ 360 432,000.00 1 7.250 2,947.00 61 7.000 2,947.00 TACOMA WA 98406 5 05/16/01 00 0412648099 05 07/01/01 0 0412648099 O 06/01/31 0 4848612 E22/G01 F 395,000.00 ZZ 360 395,000.00 1 8.000 2,898.37 53 7.750 2,898.37 SUNNYVALE CA 94087 5 05/16/01 00 0412648743 05 07/01/01 0 0412648743 O 06/01/31 0 4848614 E22/G01 F 328,000.00 ZZ 360 328,000.00 1 7.375 2,265.41 80 7.125 2,265.41 CHATSWORTH CA 91311 1 05/18/01 00 0412652315 05 07/01/01 0 0412652315 O 06/01/31 0 4849358 950/G01 F 475,200.00 ZZ 360 475,200.00 1 7.875 3,445.53 80 7.625 3,445.53 GILROY CA 95020 1 05/01/01 00 0432855757 05 07/01/01 0 A6010023 O 06/01/31 0 4849360 950/G01 F 180,000.00 ZZ 360 180,000.00 1 7.375 1,243.22 72 7.125 1,243.22 BELLEVUE WA 98008 1 05/01/01 00 0432835395 05 07/01/01 0 E1103095 O 06/01/31 0 4849447 950/G01 F 323,000.00 ZZ 360 322,741.69 1 7.125 2,176.12 57 6.875 2,176.12 1 SAMMAMISH WA 98075 1 04/27/01 00 0432840908 05 06/01/01 0 E1101243 O 05/01/31 0 4849471 956/G01 F 327,600.00 ZZ 360 327,600.00 1 7.500 2,290.63 80 7.250 2,290.63 SACRAMENTO CA 95816 1 05/01/01 00 0432847564 05 07/01/01 0 111041450 O 06/01/31 0 4849499 956/G01 F 324,000.00 ZZ 360 324,000.00 1 6.875 2,128.45 80 6.625 2,128.45 SAN DIEGO CA 92124 1 05/09/01 00 0432818854 05 07/01/01 0 1511050009 O 06/01/31 0 4849505 J74/G01 F 400,000.00 ZZ 360 400,000.00 1 7.875 2,900.28 64 7.625 2,900.28 N MIAMI BEACH FL 33179 1 05/21/01 00 0432863462 03 07/01/01 0 011032GC O 06/01/31 0 4849672 956/G01 F 306,000.00 ZZ 360 306,000.00 1 7.375 2,113.47 49 7.125 2,113.47 HOLLISTER CA 95023 2 05/04/01 00 0432819472 05 07/01/01 0 2611040045 O 06/01/31 0 4849927 956/G01 F 327,700.00 ZZ 360 327,456.80 1 7.500 2,291.33 80 7.250 2,291.33 LAS VEGAS NV 89135 1 04/10/01 00 0432850576 03 06/01/01 0 01252 O 05/01/31 0 1 4850161 E82/G01 F 359,800.00 ZZ 360 359,800.00 1 7.375 2,485.05 55 7.125 2,485.05 SALINAS CA 93908 5 05/17/01 00 0400419958 05 07/01/01 0 0400419958 O 06/01/31 0 4850193 T35/G01 F 379,200.00 ZZ 360 379,200.00 1 7.125 2,554.74 80 6.875 2,554.74 ALPHARETTA GA 30004 1 05/25/01 00 0400383030 09 07/01/01 0 0400383030 O 06/01/31 0 4850235 956/G01 F 325,000.00 ZZ 360 325,000.00 1 7.250 2,217.07 51 7.000 2,217.07 UNION CITY CA 94587 5 05/01/01 00 0432859072 05 07/01/01 0 111040234 O 06/01/31 0 4850396 956/G01 F 525,000.00 ZZ 360 525,000.00 1 7.375 3,626.04 77 7.125 3,626.04 CASTRO VALLEY CA 94552 2 05/03/01 00 0432857084 03 07/01/01 0 111040219 O 06/01/31 0 4850686 L49/G01 F 378,700.00 ZZ 360 378,107.37 1 7.250 2,583.40 80 7.000 2,583.40 THOUSAND OAKS CA 91320 1 03/26/01 00 0432828077 03 05/01/01 0 10004154 O 04/01/31 0 4850700 L49/G01 F 400,000.00 ZZ 360 399,125.97 1 1 7.625 2,831.17 67 7.375 2,831.17 IRVINE CA 92618 1 02/12/01 00 0432818508 03 04/01/01 0 10003928 O 03/01/31 0 4851670 L49/G01 F 377,000.00 ZZ 360 376,410.04 1 7.250 2,571.80 72 7.000 2,571.80 FULLERTON CA 92835 1 03/06/01 00 0432828085 03 05/01/01 0 10006241 O 04/01/31 0 4851788 L49/G01 F 468,350.00 ZZ 360 467,300.50 1 7.500 3,274.77 80 7.250 3,274.77 IRVINE CA 92618 1 02/15/01 00 0432818623 03 04/01/01 0 10004636 O 03/01/31 0 4851802 964/G01 F 368,000.00 ZZ 360 368,000.00 1 7.000 2,448.31 80 6.750 2,448.31 IRVINE CA 92604 1 05/04/01 00 0432824753 05 07/01/01 0 120594 O 06/01/31 0 4851927 L49/G01 F 300,300.00 ZZ 360 299,895.66 1 8.000 2,203.50 80 7.750 2,203.50 CARLSBAD CA 92009 1 03/19/01 00 0432817120 03 05/01/01 0 10003685 O 04/01/31 0 4852022 L49/G01 F 529,000.00 ZZ 360 528,597.48 1 7.375 3,653.67 80 7.125 3,653.67 IRVINE CA 92618 1 04/11/01 00 0432815728 03 06/01/01 0 1 10005099 O 05/01/31 0 4852194 L49/G01 F 316,000.00 ZZ 360 315,747.30 1 7.125 2,128.95 90 6.875 2,128.95 FAIRFIELD CA 94533 1 04/23/01 19 0432820397 05 06/01/01 25 10006419 O 05/01/31 0 4852240 A06/G01 F 275,000.00 ZZ 360 275,000.00 1 7.500 1,922.84 58 7.250 1,922.84 BIRMINGHAM MI 48009 2 05/17/01 00 0432822690 05 07/01/01 0 021000020116085 O 06/01/31 0 4852439 L49/G01 F 379,950.00 ZZ 360 379,340.52 1 7.125 2,559.79 78 6.875 2,559.79 THOUSAND OAKS CA 91320 1 03/19/01 00 0432818904 03 05/01/01 0 10004617 O 04/01/31 0 4852637 L49/G01 F 372,100.00 ZZ 360 371,223.90 1 7.250 2,538.38 80 7.000 2,538.38 FULLERTON CA 92835 1 02/15/01 00 0432818938 03 04/01/01 0 10003664 O 03/01/31 0 4852846 L49/G01 F 346,650.00 ZZ 360 345,892.51 1 7.625 2,453.57 80 7.375 2,453.57 IRVINE CA 92602 1 02/15/01 00 0432820173 03 04/01/01 0 10004334 O 03/01/31 0 1 4852936 L49/G01 F 299,950.00 ZZ 360 299,444.56 1 6.875 1,970.46 68 6.625 1,970.46 THOUSAND OAKS CA 91320 1 03/27/01 00 0432817807 03 05/01/01 0 10004130 O 04/01/31 0 4852996 L49/G01 F 308,000.00 ZZ 360 307,765.64 1 7.375 2,127.28 80 7.125 2,127.28 YORBA LINDA CA 92886 1 04/06/01 00 0432815975 05 06/01/01 0 10006439 O 05/01/31 0 4853036 L49/G01 F 528,000.00 ZZ 360 527,131.88 1 7.000 3,512.80 80 6.750 3,512.80 FULLERTON CA 92835 1 03/22/01 00 0432829570 03 05/01/01 0 10006063 O 04/01/31 0 4853067 L49/G01 F 522,450.00 ZZ 360 521,125.69 1 6.875 3,432.12 80 6.625 3,432.12 DUBLIN CA 94568 1 02/20/01 00 0432818201 03 04/01/01 0 10004328 O 03/01/31 0 4853151 956/G01 F 468,000.00 ZZ 360 468,000.00 1 7.375 3,232.36 71 7.125 3,232.36 HAYWARD CA 94544 2 05/01/01 00 0432825768 05 07/01/01 0 711030151 O 06/01/31 0 4853173 L49/G01 F 292,400.00 ZZ 360 292,166.18 1 7.125 1,969.95 75 6.875 1,969.95 1 BENICIA CA 94510 1 04/17/01 00 0432817708 05 06/01/01 0 10006527 O 05/01/31 0 4853259 L49/G01 F 520,750.00 ZZ 360 519,583.32 1 7.500 3,641.16 80 7.250 3,641.16 SAN JOSE CA 95136 1 02/22/01 00 0432817732 03 04/01/01 0 10004924 O 03/01/31 0 4853306 L49/G01 F 323,250.00 ZZ 360 322,985.03 1 7.000 2,150.59 80 6.750 2,150.59 CARLSBAD CA 92009 1 04/06/01 00 0432815991 03 06/01/01 0 10004642 O 05/01/31 0 4853354 L49/G01 F 458,250.00 ZZ 360 457,892.52 1 7.250 3,126.07 80 7.000 3,126.07 FULLERTON CA 92835 1 04/17/01 00 0432818300 03 06/01/01 0 10006137 O 05/01/31 0 4853425 L49/G01 F 337,500.00 ZZ 360 337,216.46 1 6.875 2,217.13 64 6.625 2,217.13 LAGUNA HILLS CA 92653 5 04/06/01 00 0432817526 03 06/01/01 0 10006379 O 05/01/31 0 4853458 L49/G01 F 395,150.00 ZZ 360 394,196.37 1 7.125 2,662.20 80 6.875 2,662.20 THOUSAND OAKS CA 91320 1 02/05/01 00 0432829562 03 04/01/01 0 10004341 O 03/01/31 0 1 4853550 L49/G01 F 480,700.00 ZZ 360 479,649.62 1 7.625 3,402.36 80 7.375 3,402.36 IRVINE CA 92618 1 02/05/01 00 0432828093 03 04/01/01 0 10004427 O 03/01/31 0 4853571 L49/G01 F 500,000.00 ZZ 360 499,609.95 1 7.250 3,410.88 77 7.000 3,410.88 PLEASANT HILL CA 94523 1 04/04/01 00 0432817583 05 06/01/01 0 10005238 O 05/01/31 0 4853608 L49/G01 F 289,600.00 ZZ 360 289,146.81 1 7.250 1,975.58 80 7.000 1,975.58 FAIRFIELD CA 94533 1 03/23/01 00 0432818383 05 05/01/01 0 10005058 O 04/01/31 0 4853694 L49/G01 F 325,700.00 ZZ 360 325,458.29 1 7.500 2,277.34 75 7.250 2,277.34 CARLSBAD CA 92009 1 04/16/01 00 0432817237 03 06/01/01 0 10006219 O 05/01/31 0 4853704 B60/G01 F 465,000.00 ZZ 360 465,000.00 1 7.250 3,172.12 69 7.000 3,172.12 RANCHO PALOS VE CA 90275 2 05/17/01 00 0432863173 05 07/01/01 0 329946 O 06/01/31 0 4853832 L49/G01 F 416,700.00 ZZ 360 416,031.56 1 1 7.125 2,807.39 80 6.875 2,807.39 THOUSAND OAKS CA 91320 1 03/26/01 00 0432828101 03 05/01/01 0 10006078 O 04/01/31 0 4853852 L49/G01 F 364,050.00 ZZ 360 363,507.95 1 7.500 2,545.49 80 7.250 2,545.49 CARLSBAD CA 92009 1 03/14/01 00 0432819696 03 05/01/01 0 10004476 O 04/01/31 0 4854068 L49/G01 F 383,850.00 ZZ 360 382,946.24 1 7.250 2,618.53 80 7.000 2,618.53 THOUSAND OAKS CA 91320 1 02/15/01 00 0432818003 03 04/01/01 0 10004296 O 03/01/31 0 4854115 964/G01 F 353,500.00 ZZ 360 353,500.00 1 7.375 2,441.54 70 7.125 2,441.54 MILLBRAE CA 94065 1 05/11/01 00 0432825735 01 07/01/01 0 118004 O 06/01/31 0 4856128 B60/G01 F 303,100.00 ZZ 360 303,100.00 1 7.500 2,119.32 80 7.250 2,119.32 YUCAIPA CA 92399 2 05/15/01 00 0432858769 05 07/01/01 0 318196 O 06/01/31 0 4856283 E22/G01 F 376,000.00 ZZ 360 376,000.00 1 7.375 2,596.94 70 7.125 2,596.94 LAFAYETTE CA 94549 2 05/15/01 00 0412603201 05 07/01/01 0 1 0412603201 O 06/01/31 0 4856363 E82/G01 F 295,493.00 ZZ 360 295,493.00 1 7.250 2,015.78 74 7.000 2,015.78 CALABASH NC 28467 2 05/23/01 00 0400419172 03 07/01/01 0 0400419172 O 06/01/31 0 4856366 E82/G01 F 404,500.00 ZZ 360 404,500.00 1 7.500 2,828.32 54 7.250 2,828.32 CALABASAS CA 91302 2 05/23/01 00 0400425427 03 07/01/01 0 0400425427 O 06/01/31 0 4856367 E82/G01 F 380,000.00 ZZ 360 380,000.00 1 7.125 2,560.13 78 6.875 2,560.13 OAKTON VA 22124 2 05/22/01 00 0400427894 05 07/01/01 0 3318944 O 06/01/31 0 4856368 E82/G01 F 343,300.00 ZZ 360 343,300.00 1 7.125 2,312.88 69 6.875 2,312.88 WICHITA KS 67207 2 04/03/01 00 0400417754 05 07/01/01 0 0400417754 O 06/01/31 0 4856369 E82/G01 F 270,500.00 ZZ 360 270,500.00 1 7.375 1,868.28 78 7.125 1,868.28 NEWNAN GA 30265 2 04/10/01 00 0400420493 05 07/01/01 0 0400420493 O 06/01/31 0 1 4856374 E82/G01 F 349,800.00 ZZ 360 349,800.00 1 6.750 2,268.80 79 6.500 2,268.80 SACRAMENTO CA 95864 2 05/23/01 00 0400419982 05 07/01/01 0 0400419982 O 06/01/31 0 4856376 E82/G01 F 284,500.00 ZZ 360 284,500.00 1 7.250 1,940.79 67 7.000 1,940.79 SACRAMENTO CA 95829 2 05/18/01 00 0400422742 05 07/01/01 0 0400422747 O 06/01/31 0 4856379 E82/G01 F 361,300.00 ZZ 360 361,300.00 1 7.625 2,557.26 75 7.375 2,557.26 NORCO CA 91760 5 05/21/01 00 0400429098 05 07/01/01 0 0400429098 O 06/01/31 0 4856471 E11/G01 F 344,000.00 ZZ 360 344,000.00 1 7.375 2,375.92 65 7.125 2,375.92 MINNETRISTA MN 55364 2 05/22/01 00 0432852754 05 07/01/01 0 0003001030717 O 06/01/31 0 4856970 025/025 F 366,450.00 ZZ 360 366,118.72 1 6.500 2,316.22 75 6.250 2,316.22 MOUNT AIRY MD 21771 2 04/16/01 00 0138534201 03 06/01/01 0 0138534201 O 05/01/31 0 4857080 N47/G01 F 378,000.00 ZZ 360 378,000.00 1 7.000 2,514.84 65 6.750 2,514.84 1 FREMONT CA 94539 2 04/30/01 00 0432837854 05 07/01/01 0 20310444 O 06/01/31 0 4857437 964/G01 F 335,100.00 ZZ 360 335,100.00 1 7.625 2,371.82 80 7.375 2,371.82 SCOTTSDALE AZ 85260 1 05/09/01 00 0432858389 03 07/01/01 0 120808 O 06/01/31 0 4857498 025/025 F 310,000.00 ZZ 360 309,514.88 1 7.250 2,114.75 66 7.000 2,114.75 IRVINE CA 92604 5 03/24/01 00 0138855044 03 05/01/01 0 0138855044 O 04/01/31 0 4857878 025/025 F 420,000.00 ZZ 360 419,342.74 1 7.250 2,865.14 80 7.000 2,865.14 POTOMAC FALLS VA 20165 2 03/27/01 00 0138800644 03 05/01/01 0 0138800644 O 04/01/31 0 4858791 L49/G01 F 354,350.00 ZZ 360 353,234.22 1 7.250 2,417.29 80 7.000 2,417.29 TRACY CA 95376 1 01/19/01 00 0432819647 05 03/01/01 0 10004384 O 02/01/31 0 4859507 025/025 F 338,000.00 ZZ 360 337,279.69 1 7.750 2,421.48 72 7.500 2,421.48 TEMECULA CA 92591 2 02/20/01 00 0138847330 03 04/01/01 0 0138847330 O 03/01/31 0 1 4859833 B60/G01 F 480,000.00 ZZ 360 480,000.00 1 7.375 3,315.24 80 7.125 3,315.24 REDMOND WA 98053 2 05/15/01 00 0432858736 05 07/01/01 0 330319 O 06/01/31 0 4860147 025/025 F 375,000.00 ZZ 360 374,684.96 1 6.875 2,463.48 52 6.625 2,463.48 YORBA LINDA CA 92887 5 03/29/01 00 0138985999 05 06/01/01 0 0138985999 O 05/01/31 0 4860690 E84/G01 F 360,300.00 ZZ 360 360,032.61 1 7.500 2,519.27 79 7.250 2,519.27 BARRINGTON IL 60010 2 04/27/01 00 0432823151 05 06/01/01 0 11303936 O 05/01/31 0 4860726 025/025 F 500,000.00 ZZ 360 499,579.94 1 6.875 3,284.64 49 6.625 3,284.64 PORTOLA VALLEY CA 94028 5 04/23/01 00 0139004824 05 06/01/01 0 0139004824 O 05/01/31 0 4861245 E84/G01 F 423,000.00 ZZ 360 422,678.13 1 7.375 2,921.56 77 7.125 2,921.56 HUNTINGTON BEAC CA 92647 2 04/13/01 00 0432857977 05 06/01/01 0 11006352 O 05/01/31 0 4861496 116/116 F 318,300.00 ZZ 360 318,300.00 1 1 7.375 2,198.42 77 7.125 2,198.42 THE WOODLANDS TX 77381 2 05/18/01 00 091069792 03 07/01/01 0 091069792 O 06/01/31 0 4861603 225/G01 F 525,000.00 ZZ 360 523,988.76 1 8.250 3,944.15 59 8.000 3,944.15 HILTON HEAD ISL SC 29928 5 03/22/01 00 0432838860 03 05/01/01 0 6530404 O 04/01/31 0 4861625 G52/G01 F 650,000.00 ZZ 360 650,000.00 1 7.375 4,489.39 54 7.125 4,489.39 HONOLULU HI 96822 2 05/09/01 00 0432859080 05 07/01/01 0 92501585 O 06/01/31 0 4861684 025/025 F 496,000.00 ZZ 360 495,279.74 1 7.625 3,510.66 80 7.375 3,510.66 POCATELLO ID 83204 2 03/26/01 00 0138755616 05 05/01/01 0 0138755616 O 04/01/31 0 4862478 696/G01 F 480,000.00 ZZ 360 480,000.00 1 7.375 3,315.24 76 7.125 3,315.24 ASHBURN VA 20147 1 05/18/01 00 0432832095 03 07/01/01 0 32901017 O 06/01/31 0 4862482 696/G01 F 320,000.00 ZZ 360 320,000.00 1 7.625 2,264.94 80 7.375 2,264.94 RESTON VA 20191 1 05/23/01 00 0432822294 03 07/01/01 0 1 23301131 O 06/01/31 0 4862483 696/G01 F 375,000.00 ZZ 360 375,000.00 1 7.500 2,622.05 66 7.250 2,622.05 STAFFORD VA 22554 1 05/23/01 00 0432827855 05 07/01/01 0 24600282 O 06/01/31 0 4862853 N47/G01 F 383,200.00 ZZ 360 383,200.00 1 7.375 2,646.67 80 7.125 2,646.67 SAN JOSE CA 95117 1 05/11/01 00 0432862514 05 07/01/01 0 20310516 O 06/01/31 0 4864063 E22/G01 F 650,000.00 ZZ 360 650,000.00 1 7.250 4,434.15 26 7.000 4,434.15 LOS ALTOS CA 94022 5 05/16/01 00 0412541120 05 07/01/01 0 0412541120 O 06/01/31 0 4864097 E22/G01 F 100,010.00 ZZ 360 100,010.00 1 7.375 690.74 73 7.125 690.74 PROVO UT 84606 2 05/15/01 00 0412622482 05 07/01/01 0 0412622482 O 06/01/31 0 4864112 E22/G01 F 301,500.00 ZZ 360 301,500.00 2 7.875 2,186.08 90 7.625 2,186.08 CLIFTON NJ 07011 1 05/25/01 04 0412640047 05 07/01/01 25 0412640047 O 06/01/31 0 1 4864203 E82/G01 F 354,900.00 ZZ 360 354,900.00 1 7.500 2,481.51 75 7.250 2,481.51 NORCO CA 91760 2 05/18/01 00 0400419321 05 07/01/01 0 0400419321 O 06/01/31 0 4864204 E82/G01 F 392,000.00 ZZ 360 392,000.00 1 7.375 2,707.45 68 7.125 2,707.45 ST. SIMONS ISLA GA 31522 2 05/23/01 00 0400421806 05 07/01/01 0 0400421806 O 06/01/31 0 4864236 025/025 F 342,000.00 ZZ 360 339,189.17 1 8.500 2,629.68 63 8.250 2,629.68 LAKE FOREST IL 60045 2 04/05/00 00 0137879094 05 06/01/00 0 0137879094 O 05/01/30 0 4864265 025/025 F 535,000.00 ZZ 360 534,162.76 1 7.250 3,649.65 63 7.000 3,649.65 CAMPBELL CA 95008 5 03/26/01 00 0138845391 05 05/01/01 0 0138845391 O 04/01/31 0 4864359 025/025 F 304,000.00 ZZ 360 303,768.67 1 7.375 2,099.66 80 7.125 2,099.66 FARMINGTON HILL MI 48335 2 04/16/01 00 138983689 05 06/01/01 0 138983689 O 05/01/31 0 4864540 025/025 F 348,000.00 ZZ 360 347,290.97 1 7.250 2,373.97 80 7.000 2,373.97 1 BRENTWOOD CA 94513 2 03/22/01 00 0130196108 05 05/01/01 0 0130196108 O 04/01/31 0 4864596 025/025 F 330,000.00 ZZ 360 329,508.65 1 7.500 2,307.41 64 7.250 2,307.41 SAN RAMON CA 94583 5 03/19/01 00 0138872387 01 05/01/01 0 0138872387 O 04/01/31 0 4864658 025/025 F 425,000.00 ZZ 360 423,948.77 1 7.000 2,827.54 70 6.750 2,827.54 SAN RAMON CA 94583 2 02/16/01 00 0138763891 03 04/01/01 0 0138763891 O 03/01/31 0 4866383 025/025 F 398,000.00 ZZ 360 397,631.37 1 6.375 2,483.01 80 6.125 2,483.01 BOLTON MA 01740 1 04/18/01 00 0138723812 05 06/01/01 0 0138723812 O 05/01/31 0 4866467 025/025 F 418,250.00 ZZ 360 417,611.53 1 7.375 2,888.75 80 7.125 2,888.75 FAIRFAX VA 22033 1 03/30/01 00 0130081714 03 05/01/01 0 0130081714 O 04/01/31 0 4867552 956/G01 F 450,000.00 ZZ 360 450,000.00 1 7.500 3,146.47 72 7.250 3,146.47 BURLINGAME CA 94010 2 05/11/01 00 0432832038 05 07/01/01 0 111020002 O 06/01/31 0 1 4867581 964/G01 F 308,000.00 ZZ 360 308,000.00 1 7.375 2,127.28 80 7.125 2,127.28 FAIR OAKS CA 95628 1 05/25/01 00 0432863967 05 07/01/01 0 126309 O 06/01/31 0 4868707 685/G01 F 445,000.00 ZZ 360 445,000.00 1 7.500 3,111.50 72 7.250 3,111.50 LAGUNA BEACH CA 92651 1 05/21/01 00 0432826923 05 07/01/01 0 125725 O 06/01/31 0 4868882 956/G01 F 285,000.00 ZZ 360 285,000.00 1 7.500 1,992.76 80 7.250 1,992.76 HALF MOON BAY CA 94019 2 05/11/01 00 0432830123 01 07/01/01 0 111010458 O 06/01/31 0 4869525 956/G01 F 447,950.00 ZZ 360 447,950.00 1 7.250 3,055.81 80 7.000 3,055.81 LAKE OSWEGO OR 97034 1 05/17/01 00 0432825800 03 07/01/01 0 1711050025 O 06/01/31 0 4870587 696/G01 F 488,000.00 ZZ 360 488,000.00 1 7.375 3,370.49 80 7.125 3,370.49 BETHESDA MD 20816 1 05/30/01 00 0432822138 05 07/01/01 0 30101053 O 06/01/31 0 4870588 696/G01 F 400,000.00 ZZ 360 400,000.00 1 1 7.000 2,661.21 80 6.750 2,661.21 FALLS CHURCH VA 22041 1 05/11/01 00 0432826832 03 07/01/01 0 24501053 O 06/01/31 0 4870589 696/G01 F 349,200.00 ZZ 360 349,200.00 1 7.250 2,382.16 80 7.000 2,382.16 OAKTON VA 22124 1 05/15/01 00 0432825107 03 07/01/01 0 25201044 O 06/01/31 0 4870590 696/G01 F 332,000.00 ZZ 360 332,000.00 1 7.000 2,208.80 80 6.750 2,208.80 FREDERICK MD 21703 1 05/21/01 00 0432826642 05 07/01/01 0 25201049 O 06/01/31 0 4870591 696/G01 F 340,000.00 ZZ 360 340,000.00 1 6.750 2,205.23 70 6.500 2,205.23 FAIRFAX VA 22031 1 05/22/01 00 0432825040 03 07/01/01 0 21401021 O 06/01/31 0 4870593 696/G01 F 430,000.00 ZZ 360 430,000.00 1 7.250 2,933.36 65 7.000 2,933.36 WASHINGTON DC 20009 1 05/22/01 00 0432826105 05 07/01/01 0 32601113 O 06/01/31 0 4870594 696/G01 F 384,000.00 ZZ 360 384,000.00 1 7.125 2,587.08 80 6.875 2,587.08 ALEXANDRIA VA 22314 1 05/23/01 00 0432826030 05 07/01/01 0 1 21701141 O 06/01/31 0 4870595 696/G01 F 358,000.00 ZZ 360 358,000.00 1 7.625 2,533.90 80 7.375 2,533.90 ALEXANDRIA VA 22310 1 05/11/01 00 0432825859 05 07/01/01 0 21701124 O 06/01/31 0 4870596 696/G01 F 391,000.00 ZZ 360 391,000.00 1 7.500 2,733.93 62 7.250 2,733.93 WASHINGTON DC 20005 2 05/14/01 00 0432826204 01 07/01/01 0 31201221 O 06/01/31 0 4870597 696/G01 F 543,000.00 ZZ 360 543,000.00 1 8.000 3,984.34 66 7.750 3,984.34 MILLWOOD VA 22646 5 05/23/01 00 0432824944 05 07/01/01 0 50101058 O 06/01/31 0 4870600 696/G01 F 412,500.00 ZZ 360 412,500.00 1 7.250 2,813.98 75 7.000 2,813.98 WASHINGTON DC 20015 2 05/23/01 00 0432821999 07 07/01/01 0 22601122 O 06/01/31 0 4870602 696/G01 F 354,050.00 ZZ 360 354,050.00 1 7.375 2,445.34 73 7.125 2,445.34 OAKTON VA 22124 5 05/17/01 00 0432826519 05 07/01/01 0 22601121 O 06/01/31 0 1 4871010 964/G01 F 624,000.00 ZZ 360 624,000.00 1 7.375 4,309.81 65 7.125 4,309.81 SAN JOSE CA 95126 5 05/16/01 00 0432855708 05 07/01/01 0 122380 O 06/01/31 0 4871781 025/025 F 388,000.00 ZZ 360 387,649.25 1 6.500 2,452.42 77 6.250 2,452.42 OMAHA NE 68130 2 04/12/01 00 0138811161 05 06/01/01 0 0138811161 O 05/01/31 0 4871842 025/025 F 400,000.00 ZZ 360 399,419.14 1 7.625 2,831.18 80 7.375 2,831.18 SEATTLE WA 98112 2 03/21/01 00 0139037451 05 05/01/01 0 0139037451 O 04/01/31 0 4871869 E82/G01 F 532,000.00 ZZ 360 532,000.00 1 7.375 3,674.39 74 7.125 3,674.39 WOODLAND HILLS CA 91364 2 05/25/01 00 0400412755 05 07/01/01 0 0400412755 O 06/01/31 0 4871871 E82/G01 F 170,700.00 ZZ 360 170,700.00 1 7.375 1,178.98 74 7.125 1,178.98 LOS ANGELES CA 91304 2 05/25/01 00 0400430880 05 07/01/01 0 0400430880 O 06/01/31 0 4871879 E82/G01 F 369,600.00 ZZ 360 369,600.00 1 7.625 2,616.01 50 7.375 2,616.01 1 CORTE MADERA CA 94925 5 05/23/01 00 0400419958 05 07/01/01 0 0400419354 O 06/01/31 0 4871882 E82/G01 F 281,650.00 ZZ 360 281,650.00 1 7.375 1,945.29 75 7.125 1,945.29 NOVATO CA 94947 2 05/24/01 00 0400425294 03 07/01/01 0 0400425294 O 06/01/31 0 4871887 E82/G01 F 303,200.00 ZZ 360 303,200.00 1 7.250 2,068.36 68 7.000 2,068.36 SAN JOSE CA 95148 2 04/26/01 00 0400427969 05 07/01/01 0 0400427969 O 06/01/31 0 4871888 E82/G01 F 332,600.00 ZZ 360 332,600.00 1 7.375 2,297.19 78 7.125 2,297.19 ORANGE CA 92867 2 05/23/01 00 0400429262 05 07/01/01 0 0400429262 O 06/01/31 0 4871892 E82/G01 F 237,000.00 ZZ 360 237,000.00 1 7.375 1,636.90 70 7.125 1,636.90 STAFFORD VA 22554 2 05/25/01 00 0400423315 03 07/01/01 0 1576875 O 06/01/31 0 4871895 E82/G01 F 414,150.00 ZZ 360 414,150.00 1 7.250 2,825.23 76 7.000 2,825.23 AUBURN CA 95603 2 05/24/01 00 0400416616 05 07/01/01 0 0400416616 O 06/01/31 0 1 4871900 E82/G01 F 326,000.00 ZZ 360 326,000.00 1 7.625 2,307.41 76 7.375 2,307.41 BOSTON MA 02114 2 05/15/01 00 0400427977 09 07/01/01 0 0400427977 O 06/01/31 0 4871902 T35/G01 F 340,000.00 ZZ 360 340,000.00 1 7.000 2,262.03 62 6.750 2,262.03 ALEXANDRIA VA 22309 1 05/30/01 00 0400429320 05 07/01/01 0 0400429320 O 06/01/31 0 4871906 T35/G01 F 346,500.00 ZZ 360 346,500.00 1 7.250 2,363.74 71 7.000 2,363.74 NEWARK CA 94560 2 05/25/01 00 0400431508 05 07/01/01 0 0400431508 O 06/01/31 0 4872147 E22/G01 F 133,245.00 ZZ 360 133,245.00 1 7.750 954.58 60 7.500 954.58 HERRIMAN UT 84065 1 05/22/01 00 0412622359 05 07/01/01 0 0412622359 O 06/01/31 0 4872148 E22/G01 F 435,000.00 ZZ 360 435,000.00 1 7.875 3,154.05 69 7.625 3,154.05 SAN FRANCISCO CA 94112 5 05/17/01 00 0412623530 05 07/01/01 0 0412623530 O 06/01/31 0 4872149 E22/G01 F 700,000.00 ZZ 360 700,000.00 1 1 7.250 4,775.23 54 7.000 4,775.23 SEATTLE WA 98144 2 05/18/01 00 0412623704 05 07/01/01 0 0412623704 O 06/01/31 0 4872395 480/G01 F 380,000.00 ZZ 360 379,724.96 1 7.625 2,689.62 64 7.375 2,689.62 MIAMI FL 33032 1 04/24/01 00 0432853562 05 06/01/01 0 3636776 O 05/01/31 0 4872507 A06/G01 F 351,200.00 ZZ 360 351,200.00 1 7.750 2,516.04 80 7.500 2,516.04 BIRMINGHAM MI 48009 1 05/22/01 00 0432821387 05 07/01/01 0 021000020113400 O 06/01/31 0 4873042 P67/G01 F 320,000.00 ZZ 360 320,000.00 1 7.500 2,237.49 79 7.250 2,237.49 BROOKLINE MA 02446 1 05/29/01 00 0432853273 01 07/01/01 0 465288 O 06/01/31 0 4873275 025/025 F 398,200.00 ZZ 360 397,865.45 1 6.875 2,615.90 76 6.625 2,615.90 ASHBURN VA 20147 2 04/06/01 00 0138821541 03 06/01/01 0 0138821541 O 05/01/31 0 4873448 025/025 F 330,000.00 ZZ 360 329,224.67 1 7.250 2,251.19 69 7.000 2,251.19 SAN JOSE CA 95123 1 03/12/01 00 0138845185 05 05/01/01 0 1 0138845185 O 04/01/31 0 4873696 025/025 F 349,600.00 ZZ 360 349,052.20 1 7.250 2,384.89 80 7.000 2,384.89 LAWRENCE KS 66049 1 03/15/01 00 138746888 05 05/01/01 0 138746888 O 04/01/31 0 4874130 025/025 F 335,000.00 ZZ 360 334,191.58 1 6.500 2,117.43 70 6.250 2,117.43 SAN DIEGO CA 90620 5 03/05/01 00 138731682 03 05/01/01 0 138731682 O 04/01/31 0 4874244 069/G01 F 358,000.00 ZZ 360 358,000.00 1 7.125 2,411.92 61 6.875 2,411.92 YORBA LINDA CA 92886 2 05/14/01 00 0432854982 05 07/01/01 0 22488135140 O 06/01/31 0 4874429 025/025 F 380,000.00 ZZ 360 379,434.20 1 7.500 2,657.02 80 7.250 2,657.02 BETHESDA MD 20817 1 03/14/01 00 0138376660 05 05/01/01 0 0138376660 O 04/01/31 0 4874590 025/025 F 398,500.00 ZZ 360 397,518.78 1 7.625 2,820.56 54 7.375 2,820.56 LIVERMORE CA 94550 5 03/07/01 00 0138843305 05 05/01/01 0 0138843305 O 04/01/31 0 1 4874751 025/025 F 245,000.00 ZZ 352 244,145.35 1 7.000 1,640.97 60 6.750 1,640.97 PALM HARBOR FL 34685 1 02/01/01 00 0020805495 03 03/01/01 0 0020805495 O 06/01/30 0 4874956 025/025 F 315,200.00 ZZ 360 314,457.87 1 7.250 2,150.22 80 7.000 2,150.22 PLACENTIA CA 92870 1 02/23/01 00 0138846365 05 04/01/01 0 0138846365 O 03/01/31 0 4875024 025/025 F 396,000.00 ZZ 360 395,453.15 1 7.875 2,871.28 70 7.625 2,871.28 ENCINITAS CA 92024 2 03/02/01 00 0138852314 05 05/01/01 0 0138852314 O 04/01/31 0 4875215 025/025 F 340,000.00 ZZ 360 338,450.67 1 8.250 2,554.31 27 8.000 2,554.31 NEW CANAAN CT 06840 1 11/01/00 00 0138086046 05 12/01/00 0 0138086046 O 11/01/30 0 4875855 L46/L46 F 410,300.00 ZZ 360 409,979.98 1 7.250 2,798.97 76 7.000 2,798.97 SOUTHLAKE TX 76092 2 05/02/01 00 0000935007 03 06/01/01 0 0000935007 O 05/01/31 0 4878155 696/G01 F 315,200.00 ZZ 360 315,200.00 1 7.375 2,177.01 80 7.125 2,177.01 1 FAIRFAX STATION VA 22039 1 05/24/01 00 0432835080 05 07/01/01 0 25501034 O 06/01/31 0 4878157 696/G01 F 460,000.00 ZZ 360 460,000.00 1 7.375 3,177.11 80 7.125 3,177.11 ALEXANDRIA VA 22306 1 05/29/01 00 0432834869 05 07/01/01 0 30201076 O 06/01/31 0 4878158 696/G01 F 650,000.00 ZZ 360 650,000.00 1 7.500 4,544.89 74 7.250 4,544.89 CHEVY CHASE MD 20815 1 05/30/01 00 0432835742 05 07/01/01 0 30501029 O 06/01/31 0 4878161 696/G01 F 383,470.00 ZZ 360 383,470.00 1 7.000 2,551.24 80 6.750 2,551.24 ARLINGTON VA 22205 1 05/30/01 00 0432834760 05 07/01/01 0 21301050 O 06/01/31 0 4878163 696/G01 F 312,000.00 ZZ 360 312,000.00 1 7.375 2,154.91 80 7.125 2,154.91 GAITHERSBURG MD 20878 2 05/23/01 00 0432835171 03 07/01/01 0 31801080 O 06/01/31 0 4879170 N47/G01 F 372,000.00 ZZ 360 372,000.00 1 7.500 2,601.08 64 7.250 2,601.08 UPLAND CA 91784 1 05/17/01 00 0432861375 05 07/01/01 0 20510369 O 06/01/31 0 1 4879991 B60/G01 F 311,000.00 ZZ 360 311,000.00 1 7.500 2,174.56 45 7.250 2,174.56 SANTA MONICA CA 90405 2 05/24/01 00 0432859379 05 07/01/01 0 329670 O 06/01/31 0 4880666 025/025 F 388,000.00 ZZ 360 387,657.67 1 6.625 2,484.41 74 6.375 2,484.41 WASHINGTON DC 20012 2 04/13/01 00 0138788716 05 06/01/01 0 0138788716 O 05/01/31 0 4880924 025/025 F 304,000.00 ZZ 360 303,284.23 1 7.250 2,073.82 80 7.000 2,073.82 CHATANOOGA TN 37419 2 02/16/01 00 0138605472 05 04/01/01 0 0138605472 O 03/01/31 0 4881208 E22/G01 F 421,000.00 ZZ 360 421,000.00 1 7.125 2,836.35 30 6.875 2,836.35 ORINDA CA 94563 2 05/14/01 00 0412540023 05 07/01/01 0 0412540023 O 06/01/31 0 4882718 025/025 F 400,000.00 ZZ 360 399,374.03 1 7.250 2,728.71 73 7.000 2,728.71 SAN JOSE CA 95122 5 03/23/01 00 0138843610 05 05/01/01 0 0138843610 O 04/01/31 0 4883678 964/G01 F 488,000.00 ZZ 360 488,000.00 1 1 7.000 3,246.68 57 6.750 3,246.68 LITTLETON CO 80123 2 05/17/01 00 0432850790 03 07/01/01 0 116203 O 06/01/31 0 4883917 025/025 F 306,000.00 ZZ 360 305,532.87 1 7.375 2,113.47 73 7.125 2,113.47 MILTON MA 02186 2 03/26/01 00 0138980388 05 05/01/01 0 0138980388 O 04/01/31 0 4884065 N47/G01 F 390,000.00 ZZ 360 390,000.00 1 7.375 2,693.63 75 7.125 2,693.63 SALINAS CA 93908 5 05/08/01 00 0432859239 05 07/01/01 0 20110709 O 06/01/31 0 4884092 025/025 F 400,000.00 ZZ 360 399,629.52 1 6.375 2,495.48 72 6.125 2,495.48 WESTFORD MA 01886 1 04/25/01 00 0138533948 05 06/01/01 0 0138533948 O 05/01/31 0 4885929 E22/G01 F 328,000.00 ZZ 360 328,000.00 1 7.375 2,265.41 80 7.125 2,265.41 DALLAS TX 75230 2 05/23/01 00 0412594053 05 07/01/01 0 0412594053 O 06/01/31 0 4885951 E22/G01 F 275,000.00 ZZ 360 275,000.00 1 7.125 1,852.73 58 6.875 1,852.73 SAN JOSE CA 95124 2 05/24/01 00 0412634974 05 07/01/01 0 1 0412634974 O 06/01/31 0 4885971 E22/G01 F 308,000.00 ZZ 360 308,000.00 1 7.125 2,075.05 80 6.875 2,075.05 REDMOND WA 98052 1 05/16/01 00 0412643512 05 07/01/01 0 0412643512 O 06/01/31 0 4885977 E22/G01 F 318,000.00 ZZ 360 318,000.00 1 7.250 2,169.32 70 7.000 2,169.32 WAYNE NJ 07470 5 05/25/01 00 0412645160 05 07/01/01 0 0412645160 O 06/01/31 0 4886112 E82/G01 F 1,000,000.00 ZZ 360 1,000,000.00 1 7.750 7,164.12 36 7.500 7,164.12 BOSTON MA 02116 5 05/30/01 00 0400427118 05 07/01/01 0 0400427118 O 06/01/31 0 4886565 025/025 F 391,000.00 ZZ 360 390,124.01 1 7.500 2,733.93 61 7.250 2,733.93 SAN JOSE CA 95125 2 02/07/01 00 01387623323 05 04/01/01 0 01387623323 O 03/01/31 0 4887002 L46/L46 F 350,000.00 ZZ 360 350,000.00 1 7.250 2,387.62 66 7.000 2,387.62 ROCHESTER MI 48307 1 05/11/01 00 0003023157 05 07/01/01 0 0003023157 O 06/01/31 0 1 4887617 956/G01 F 356,000.00 ZZ 360 356,000.00 1 7.250 2,428.55 80 7.000 2,428.55 SAN JOSE CA 95118 1 05/22/01 00 0432859171 05 07/01/01 0 711050094 O 06/01/31 0 4887747 623/623 F 533,900.00 ZZ 360 533,523.18 1 7.750 3,824.92 77 7.500 3,824.92 NOVI MI 48374 1 04/26/01 00 5316393 05 06/01/01 0 5316393 O 05/01/31 0 4887748 623/623 F 335,200.00 ZZ 360 334,963.42 1 7.750 2,401.41 80 7.500 2,401.41 BRIGHTON MI 48116 1 05/01/01 00 5322159 05 06/01/01 0 5322159 O 05/01/31 0 4887749 623/623 F 343,725.00 ZZ 360 343,463.46 1 7.375 2,374.02 86 7.125 2,374.02 DURANGO CO 81301 2 04/27/01 10 5323429 05 06/01/01 25 5323429 O 05/01/31 0 4887760 623/623 F 290,000.00 ZZ 360 289,568.21 1 7.500 2,027.72 49 7.250 2,027.72 CHICAGO IL 60657 2 03/30/01 00 5330906 05 05/01/01 0 5330906 O 04/01/31 0 4887768 623/623 F 350,000.00 ZZ 360 349,733.68 1 7.375 2,417.36 77 7.125 2,417.36 1 ELK GROVE VILLA IL 60007 1 04/18/01 00 5334278 05 06/01/01 0 5334278 O 05/01/31 0 4887769 623/623 F 640,000.00 ZZ 360 639,525.03 1 7.500 4,474.97 75 7.250 4,474.97 SPRING LAKE MI 49456 2 04/23/01 00 5334443 05 06/01/01 0 5334443 O 05/01/31 0 4887770 623/623 F 413,000.00 ZZ 360 412,677.82 1 7.250 2,817.39 59 7.000 2,817.39 ORLAND PARK IL 60467 2 04/17/01 00 5334563 05 06/01/01 0 5334563 O 05/01/31 0 4887776 623/623 F 305,000.00 ZZ 360 304,767.20 1 7.375 2,106.56 87 7.125 2,106.56 MOKENA IL 60448 2 04/30/01 10 5337165 05 06/01/01 25 5337165 O 05/01/31 0 4887780 623/623 F 360,000.00 ZZ 360 358,732.83 1 7.500 2,517.17 80 7.250 2,517.17 PETOSKEY MI 49770 2 05/04/01 00 5338226 05 06/01/01 0 5338226 O 05/01/31 0 4887782 623/623 F 625,000.00 ZZ 360 624,512.44 1 7.250 4,263.60 75 7.000 4,263.60 ADA MI 49301 2 05/01/01 00 5338236 05 06/01/01 0 5338236 O 05/01/31 0 1 4887785 623/623 F 372,000.00 ZZ 360 370,709.80 1 7.250 2,537.70 73 7.000 2,537.70 NORTH MUSKEGON MI 49445 2 04/24/01 00 5338672 05 06/01/01 0 5338672 O 05/01/31 0 4887786 623/623 F 523,000.00 ZZ 360 518,959.79 1 7.250 3,567.78 80 7.000 3,567.78 GRAND RAPIDS MI 49525 2 05/02/01 00 5338765 01 06/01/01 0 5338765 O 05/01/31 0 4887795 623/623 F 327,900.00 ZZ 360 327,674.34 1 7.875 2,377.50 80 7.625 2,377.50 GRAND RAPIDS MI 49301 1 04/26/01 00 5345248 05 06/01/01 0 5345248 O 05/01/31 0 4887797 623/623 F 292,000.00 ZZ 360 291,766.49 1 7.125 1,967.26 80 6.875 1,967.26 FRANKFORT IL 60423 1 04/26/01 00 5345735 05 06/01/01 0 5345735 O 05/01/31 0 4887798 623/623 F 288,000.00 ZZ 360 287,750.20 1 7.375 1,989.14 90 7.125 1,989.14 WILLIAMSTON MI 48895 1 04/25/01 10 5346333 05 06/01/01 25 5346333 O 05/01/31 0 4888107 956/G01 F 346,000.00 ZZ 360 346,000.00 1 1 7.375 2,389.74 49 7.125 2,389.74 SUNNYVALE CA 94087 5 05/16/01 00 0432862910 05 07/01/01 0 111050046 O 06/01/31 0 4889337 025/025 F 416,400.00 ZZ 360 415,732.06 1 7.125 2,805.36 80 6.875 2,805.36 EL CAJON CA 92019 1 03/27/01 00 0138799994 03 05/01/01 0 0138799994 O 04/01/31 0 4890389 025/025 F 449,657.88 ZZ 360 449,324.17 1 7.500 3,144.07 80 7.250 3,144.07 LIBERTY MO 64068 2 04/11/01 00 138797170 03 06/01/01 0 138797170 O 05/01/31 0 4890600 025/025 F 598,500.00 ZZ 360 597,256.19 1 7.875 4,339.55 65 7.625 4,339.55 OAKLAND CA 94618 2 02/21/01 00 0138762679 05 04/01/01 0 0138762679 O 03/01/31 0 4890694 025/025 F 330,000.00 ZZ 360 329,082.59 1 7.875 2,392.73 69 7.625 2,392.73 PINECREST FL 33156 1 01/31/01 00 0025340043 05 03/01/01 0 0025340043 O 02/01/31 0 4890831 025/025 F 421,500.00 ZZ 360 421,179.27 1 7.375 2,911.20 71 7.125 2,911.20 SAN JOSE CA 95136 2 04/11/01 00 0139005060 05 06/01/01 0 1 0139005060 O 05/01/31 0 4890931 025/025 F 309,850.00 ZZ 360 309,071.81 1 7.500 2,166.52 80 7.250 2,166.52 ANTIOCH CA 94509 1 02/27/01 00 0138763693 05 04/01/01 0 0138763693 O 03/01/31 0 4891321 025/025 F 303,000.00 ZZ 360 302,757.69 1 7.125 2,041.37 56 6.875 2,041.37 SAINT LOUIS MO 63132 2 04/11/01 00 0138741921 05 06/01/01 0 0138741921 O 05/01/31 0 4891393 956/G01 F 325,000.00 ZZ 360 325,000.00 1 7.625 2,300.33 46 7.375 2,300.33 SAN JOSE CA 95124 2 05/09/01 00 0432859189 05 07/01/01 0 711020175 O 06/01/31 0 4891408 025/025 F 348,625.00 ZZ 360 348,353.04 1 7.250 2,378.24 38 7.000 2,378.24 SAN JOSE CA 95125 5 04/13/01 00 138793328 05 06/01/01 0 138793328 O 05/01/31 0 4891642 964/G01 F 319,200.00 ZZ 360 319,200.00 1 7.250 2,177.51 79 7.000 2,177.51 LOS OSOS CA 93402 1 05/17/01 00 0432856664 05 07/01/01 0 122072 O 06/01/31 0 1 4891772 025/025 F 310,000.00 ZZ 360 309,775.62 1 7.625 2,194.17 69 7.375 2,194.17 ALEXANDRIA VA 22315 2 04/02/01 00 0139041479 03 06/01/01 0 0139041479 O 05/01/31 0 4892016 025/025 F 350,000.00 ZZ 360 349,726.96 1 7.250 2,387.62 59 7.000 2,387.62 LEXINGTON KY 40509 2 04/02/01 00 0138893151 03 06/01/01 0 0138893151 O 05/01/31 0 4892044 956/G01 F 320,000.00 ZZ 360 320,000.00 1 7.375 2,210.16 80 7.125 2,210.16 LOS ANGELES CA 90045 2 05/18/01 00 0432859213 05 07/01/01 0 511040133 O 06/01/31 0 4893337 696/G01 F 496,000.00 ZZ 360 496,000.00 1 7.375 3,425.75 80 7.125 3,425.75 ALEXANDRIA VA 22314 1 05/31/01 00 0432834562 07 07/01/01 0 24601077 O 06/01/31 0 4894329 025/025 F 378,800.00 ZZ 360 378,079.28 1 6.250 2,332.34 80 6.000 2,332.34 SOUTHBURY CT 06488 1 03/30/01 00 0139063341 05 05/01/01 0 0139063341 O 04/01/31 0 4894339 025/025 F 312,000.00 ZZ 360 311,756.60 1 7.250 2,128.40 79 7.000 2,128.40 1 LITTLETON CO 80123 2 04/02/01 00 0138699251 05 06/01/01 0 0138699251 O 05/01/31 0 4894343 025/025 F 324,800.00 ZZ 349 324,051.02 1 7.750 2,345.72 80 7.500 2,345.72 APOLLO BEACH FL 33572 1 03/09/01 00 0137782108 03 04/01/01 0 0137782108 O 04/01/30 0 4894365 025/025 F 328,700.00 ZZ 360 327,926.08 1 7.250 2,242.32 80 7.000 2,242.32 FOREST LAKE MN 55025 2 02/12/01 00 0138828561 05 04/01/01 0 0138828561 O 03/01/31 0 4894372 025/025 F 432,000.00 ZZ 360 431,663.00 1 7.250 2,947.00 80 7.000 2,947.00 SAN CLEMENTE CA 92672 1 04/05/01 00 0130247927 09 06/01/01 0 0130247927 O 05/01/31 0 4894446 E82/G01 F 760,000.00 ZZ 360 760,000.00 1 7.750 5,444.73 65 7.500 5,444.73 SUDBURY MA 01776 2 04/25/01 00 0400427803 05 07/01/01 0 0400427803 O 06/01/31 0 4894452 E82/G01 F 284,000.00 ZZ 360 284,000.00 1 7.375 1,961.52 80 7.125 1,961.52 GAITHERSBURG MD 20878 2 05/21/01 00 0400429312 05 07/01/01 0 0400429312 O 06/01/31 0 1 4894477 025/025 F 404,000.00 ZZ 360 403,398.47 1 7.500 2,824.83 80 7.250 2,824.83 SAN FRANCISCO CA 94112 1 03/23/01 00 0139050603 09 05/01/01 0 0139050603 O 04/01/31 0 4894634 025/025 F 387,000.00 ZZ 360 386,438.00 1 7.625 2,739.17 90 7.375 2,739.17 DISCOVERY BAY CA 94514 1 03/08/01 12 0138187190 03 05/01/01 25 0138187190 O 04/01/31 0 4894752 025/025 F 348,500.00 ZZ 360 347,679.49 1 7.250 2,377.38 79 7.000 2,377.38 GAINESVILLE GA 30506 2 02/08/01 00 0025375528 05 04/01/01 0 0025375528 O 03/01/31 0 4894812 462/G01 F 488,950.00 ZZ 360 488,950.00 1 7.625 3,460.76 71 7.375 3,460.76 UNION CITY CA 94587 1 05/15/01 00 0432854404 03 07/01/01 0 0004730214 O 06/01/31 0 4894822 S11/G01 F 368,000.00 ZZ 360 368,000.00 1 7.375 2,541.68 50 7.125 2,541.68 FAIRFAX STATION VA 22039 2 05/04/01 00 0432853893 05 07/01/01 0 10202634 O 06/01/31 0 4895049 E33/G01 F 650,000.00 ZZ 360 650,000.00 1 1 7.250 4,434.15 41 7.000 4,434.15 LAKE FOREST IL 60045 4 05/25/01 00 0432857050 05 07/01/01 0 010302 O 06/01/31 0 4895121 575/G01 F 365,000.00 ZZ 360 364,715.27 1 7.250 2,489.94 69 7.000 2,489.94 HERNDON VA 20171 5 04/26/01 00 0432852796 03 06/01/01 0 11921327 O 05/01/31 0 4895150 462/G01 F 488,500.00 ZZ 360 488,500.00 1 7.625 3,457.58 72 7.375 3,457.58 LIVERMORE CA 94550 1 05/09/01 00 0432854339 05 07/01/01 0 0009249509 O 06/01/31 0 4897084 956/G01 F 352,600.00 ZZ 360 352,600.00 1 7.250 2,405.35 80 7.000 2,405.35 SNOQUALMIE WA 98065 1 05/18/01 00 0432843449 03 07/01/01 0 1311050071 O 06/01/31 0 4897160 025/025 F 377,250.00 ZZ 360 376,659.62 1 7.250 2,573.52 75 7.000 2,573.52 GAMBRILLS MD 21054 5 03/19/01 00 138817713 05 05/01/01 0 138817713 O 04/01/31 0 4897335 956/G01 F 398,000.00 ZZ 360 398,000.00 1 7.500 2,782.87 67 7.250 2,782.87 SAN DIEGO CA 92103 1 05/21/01 00 0432846087 05 07/01/01 0 1 1511050031 O 06/01/31 0 4897535 253/253 F 339,800.00 ZZ 360 339,800.00 1 7.250 2,318.04 80 7.000 2,318.04 AURORA CO 80016 1 05/18/01 00 969850 03 07/01/01 0 969850 O 06/01/31 0 4897616 956/G01 F 331,550.00 ZZ 360 331,550.00 1 7.375 2,289.93 74 7.125 2,289.93 VALLEY VILLAGE CA 91607 5 05/24/01 00 0432859031 05 07/01/01 0 511040049 O 06/01/31 0 4897632 025/025 F 470,000.00 ZZ 360 469,624.15 1 7.125 3,166.48 76 6.875 3,166.48 WOODWAY WA 98020 2 04/03/01 00 0139034367 05 06/01/01 0 0139034367 O 05/01/31 0 4899348 R65/G01 F 399,950.00 ZZ 360 399,950.00 1 7.375 2,762.36 68 7.125 2,762.36 BROOKEVILLE MD 20833 2 05/22/01 00 0432859148 03 07/01/01 0 1 O 06/01/31 0 4900059 956/G01 F 328,000.00 ZZ 360 328,000.00 1 7.375 2,265.41 62 7.125 2,265.41 PACIFICA CA 94044 2 05/21/01 00 0432859130 03 07/01/01 0 111050222 O 06/01/31 0 1 4902116 E22/G01 F 347,000.00 ZZ 360 347,000.00 1 7.375 2,396.64 60 7.125 2,396.64 GLENVIEW IL 60025 2 05/30/01 00 0412619744 05 07/01/01 0 0412619744 O 06/01/31 0 4902155 E22/G01 F 312,000.00 ZZ 360 312,000.00 1 7.750 2,235.21 80 7.500 2,235.21 SAN JOSE CA 95112 5 05/22/01 00 0412664328 05 07/01/01 0 0412664328 O 06/01/31 0 4902235 U05/G01 F 358,400.00 ZZ 360 358,400.00 1 7.750 2,567.62 80 7.500 2,567.62 SAN JOSE CA 95111 1 05/15/01 00 0432839264 05 07/01/01 0 3124274 O 06/01/31 0 4902473 601/G01 F 650,000.00 ZZ 360 650,000.00 1 7.500 4,544.90 70 7.250 4,544.90 WENTZVILLE MO 63385 5 05/17/01 00 0432855229 05 07/01/01 0 COOK5 O 06/01/31 0 4902612 696/G01 F 650,000.00 ZZ 360 650,000.00 1 7.500 4,544.89 72 7.250 4,544.89 ARLINGTON VA 22207 2 05/22/01 00 0432839603 05 07/01/01 0 21301068 O 06/01/31 0 4902613 696/G01 F 919,000.00 ZZ 360 919,000.00 1 7.250 6,269.20 41 7.000 6,269.20 1 WASHINGTON DC 20007 2 05/30/01 00 0432839710 05 07/01/01 0 25601123 O 06/01/31 0 4902614 696/G01 F 323,000.00 ZZ 360 323,000.00 1 7.500 2,258.46 78 7.250 2,258.46 WOODBRIDGE VA 22192 2 05/22/01 00 0432839421 03 07/01/01 0 25501070 O 06/01/31 0 4904552 405/405 F 517,000.00 ZZ 360 516,606.61 1 7.375 3,570.79 62 6.875 3,570.79 CALABASAS CA 91302 2 04/18/01 00 0012121331 05 06/01/01 0 0012121331 O 05/01/31 0 4904553 405/405 F 562,900.00 ZZ 360 561,927.98 1 6.750 3,650.96 80 6.500 3,650.96 LEESBURG VA 20175 1 03/29/01 00 0012121885 03 05/01/01 0 0012121885 O 04/01/31 0 4904559 405/405 F 315,000.00 ZZ 360 314,754.27 1 7.250 2,148.86 50 6.750 2,148.86 GRAND JUNCTION CO 81503 5 04/04/01 00 0012150082 05 06/01/01 0 0012150082 O 05/01/31 0 4904561 405/405 F 369,600.00 ZZ 360 369,332.49 1 7.625 2,616.01 80 7.125 2,616.01 DENVER CO 80206 2 05/04/01 00 0012152864 05 06/01/01 0 0012152864 O 05/01/31 0 1 4904562 405/405 F 522,350.00 ZZ 360 521,932.28 1 7.125 3,519.17 80 6.750 3,519.17 KIRKLAND WA 98034 1 04/25/01 00 0012156063 03 06/01/01 0 0012156063 O 05/01/31 0 4904564 405/405 F 335,000.00 ZZ 360 334,738.67 1 7.250 2,285.29 78 6.750 2,285.29 GLENDALE CA 91207 5 04/24/01 00 0012159315 05 06/01/01 0 0012159315 O 05/01/31 0 4904565 405/405 F 315,900.00 ZZ 360 315,900.00 1 7.250 2,154.99 63 6.750 2,154.99 SAMMAMISH WA 98075 1 05/01/01 00 0012162913 03 07/01/01 0 0012162913 O 06/01/31 0 4904567 405/405 F 342,600.00 ZZ 360 342,339.31 1 7.375 2,366.25 77 6.875 2,366.25 DALLAS TX 75287 2 04/26/01 00 0012167169 05 06/01/01 0 0012167169 O 05/01/31 0 4904574 405/405 F 896,500.00 ZZ 360 896,500.00 1 7.500 6,268.46 65 7.000 6,268.46 PALO ALTO CA 94301 2 05/07/01 00 0017261694 05 07/01/01 0 0017261694 O 06/01/31 0 4904577 405/405 F 615,900.00 ZZ 360 615,900.00 1 1 7.375 4,253.87 80 6.875 4,253.87 SAN JOSE CA 95124 1 05/22/01 00 0017302126 05 07/01/01 0 0017302126 O 06/01/31 0 4904579 405/405 F 355,000.00 ZZ 360 355,000.00 1 7.125 2,391.71 74 6.750 2,391.71 OAKLAND CA 94602 5 05/17/01 00 0017315722 05 07/01/01 0 0017315722 O 06/01/31 0 4904580 405/405 F 400,000.00 ZZ 360 400,000.00 1 7.375 2,762.70 48 6.875 2,762.70 MOUNTAIN VIEW CA 94040 1 05/14/01 00 0017316787 05 07/01/01 0 0017316787 O 06/01/31 0 4904583 405/405 F 375,000.00 ZZ 360 375,000.00 1 7.375 2,590.04 32 6.875 2,590.04 LOS ALTOS CA 94022 5 05/11/01 00 0017324864 05 07/01/01 0 0017324864 O 06/01/31 0 4904586 405/405 F 356,100.00 ZZ 360 356,100.00 1 7.375 2,459.50 80 6.875 2,459.50 SIMI VALLEY CA 93065 1 05/08/01 00 0017330820 03 07/01/01 0 0017330820 O 06/01/31 0 4904587 405/405 F 350,000.00 ZZ 360 350,000.00 1 7.250 2,387.62 43 6.750 2,387.62 LAKE FOREST IL 60045 2 05/21/01 00 0017331422 05 07/01/01 0 1 0017331422 O 06/01/31 0 4904588 405/405 F 432,000.00 ZZ 360 432,000.00 1 7.125 2,910.47 80 6.750 2,910.47 THOUSAND OAKS CA 91362 1 05/17/01 00 0017332982 05 07/01/01 0 0017332982 O 06/01/31 0 4904589 405/405 F 359,000.00 ZZ 360 359,000.00 1 7.250 2,449.02 80 6.750 2,449.02 OLNEY MD 20832 2 05/17/01 00 0017333865 05 07/01/01 0 0017333865 O 06/01/31 0 4904591 405/405 F 367,000.00 ZZ 360 367,000.00 1 7.500 2,566.12 53 7.000 2,566.12 LOS ANGELES CA 90048 2 05/19/01 00 0017335878 05 07/01/01 0 0017335878 O 06/01/31 0 4904592 405/405 F 360,000.00 ZZ 360 360,000.00 1 7.000 2,395.09 79 6.750 2,395.09 BETHESDA MD 20817 5 05/23/01 00 0017336843 05 07/01/01 0 0017336843 O 06/01/31 0 4904594 405/405 F 393,000.00 ZZ 360 393,000.00 1 7.625 2,781.63 45 7.125 2,781.63 SAN FRANCISCO CA 94117 2 05/04/01 00 0017337312 05 07/01/01 0 0017337312 O 06/01/31 0 1 4904595 405/405 F 612,000.00 ZZ 360 612,000.00 1 7.750 4,384.45 62 7.250 4,384.45 LOS ANGELES CA 91364 2 05/15/01 00 0017340035 03 07/01/01 0 0017340035 O 06/01/31 0 4904596 405/405 F 326,300.00 ZZ 360 326,300.00 1 7.375 2,253.68 62 6.875 2,253.68 BERKELEY CA 94702 2 05/16/01 00 0017340217 05 07/01/01 0 0017340217 O 06/01/31 0 4904598 405/405 F 380,000.00 ZZ 360 380,000.00 1 7.250 2,592.27 72 6.750 2,592.27 OAK PARK CA 91377 1 05/16/01 00 0017344524 05 07/01/01 0 0017344524 O 06/01/31 0 4904602 405/405 F 452,000.00 ZZ 360 452,000.00 1 7.250 3,083.44 49 6.750 3,083.44 SANTA BARBARA CA 93103 5 05/16/01 00 0017354259 05 07/01/01 0 0017354259 O 06/01/31 0 4904603 405/405 F 485,000.00 ZZ 360 485,000.00 1 7.250 3,308.56 42 6.750 3,308.56 SANTA BARBARA CA 93103 2 05/11/01 00 0017354432 05 07/01/01 0 0017354432 O 06/01/31 0 4904604 405/405 F 335,920.00 ZZ 360 335,920.00 1 7.125 2,263.16 80 6.750 2,263.16 1 BURBANK CA 91501 1 05/11/01 00 0017359803 05 07/01/01 0 0017359803 O 06/01/31 0 4904607 405/405 F 464,000.00 ZZ 360 464,000.00 1 7.500 3,244.36 75 7.000 3,244.36 SAN FRANCISCO CA 94121 2 05/11/01 00 0017375189 01 07/01/01 0 0017375189 O 06/01/31 0 4904609 405/405 F 602,550.00 ZZ 360 602,550.00 1 7.375 4,161.67 58 6.875 4,161.67 SAN RAFAEL CA 94901 2 05/09/01 00 0017377391 05 07/01/01 0 0017377391 O 06/01/31 0 4904611 405/405 F 562,000.00 ZZ 360 562,000.00 1 7.375 3,881.60 80 6.875 3,881.60 SAN RAMON CA 94583 2 05/15/01 00 0017378357 03 07/01/01 0 0017378357 O 06/01/31 0 4904613 405/405 F 375,000.00 ZZ 360 375,000.00 1 7.375 2,590.04 73 6.875 2,590.04 EL SEGUNDO CA 90245 5 05/16/01 00 0017380452 05 07/01/01 0 0017380452 O 06/01/31 0 4904615 405/405 F 332,300.00 ZZ 360 332,300.00 1 7.375 2,295.12 65 6.875 2,295.12 WOODACRE CA 94973 2 05/10/01 00 0017383993 05 07/01/01 0 0017383993 O 06/01/31 0 1 4904616 405/405 F 316,000.00 ZZ 360 316,000.00 1 7.375 2,182.54 71 6.875 2,182.54 SOUTH SAN FRANC CA 94080 2 05/08/01 00 0017387986 05 07/01/01 0 0017387986 O 06/01/31 0 4904617 405/405 F 347,200.00 ZZ 360 347,200.00 1 7.375 2,398.03 76 6.875 2,398.03 CASTRO VALLEY CA 94546 2 05/16/01 00 0017391533 05 07/01/01 0 0017391533 O 06/01/31 0 4904619 405/405 F 650,000.00 ZZ 360 650,000.00 1 7.250 4,434.15 58 6.750 4,434.15 NEWPORT COAST CA 92657 1 05/17/01 00 0017393778 03 07/01/01 0 0017393778 O 06/01/31 0 4904620 405/405 F 580,000.00 ZZ 360 580,000.00 1 7.500 4,055.45 69 7.000 4,055.45 LOS ANGELES CA 91423 2 05/10/01 00 0017399650 05 07/01/01 0 0017399650 O 06/01/31 0 4904621 405/405 F 332,500.00 ZZ 360 332,500.00 1 7.375 2,296.50 79 6.875 2,296.50 FULLERTON CA 92831 2 05/17/01 00 0017400417 03 07/01/01 0 0017400417 O 06/01/31 0 4904622 405/405 F 414,000.00 ZZ 360 414,000.00 1 1 7.375 2,859.40 65 6.875 2,859.40 SAN RAFAEL CA 94903 5 05/16/01 00 0017401118 03 07/01/01 0 0017401118 O 06/01/31 0 4904625 405/405 F 324,000.00 ZZ 360 324,000.00 1 7.250 2,210.25 21 6.750 2,210.25 SANTA MONICA CA 90402 2 05/10/01 00 0017417247 05 07/01/01 0 0017417247 O 06/01/31 0 4904627 405/405 F 308,750.00 ZZ 360 308,750.00 1 7.125 2,080.11 35 6.750 2,080.11 SAN FRANCISCO CA 94122 2 05/14/01 00 0017425927 05 07/01/01 0 0017425927 O 06/01/31 0 4904628 405/405 F 450,000.00 ZZ 360 450,000.00 1 7.500 3,146.47 72 7.000 3,146.47 EL SEGUNDO CA 90245 5 05/12/01 00 0017437039 05 07/01/01 0 0017437039 O 06/01/31 0 4904630 405/405 F 293,000.00 ZZ 360 293,000.00 1 7.250 1,998.78 75 6.750 1,998.78 GLENDALE CA 91208 2 05/15/01 00 0017439878 05 07/01/01 0 0017439878 O 06/01/31 0 4904631 405/405 F 555,000.00 ZZ 360 555,000.00 1 7.500 3,880.65 75 7.000 3,880.65 SAN FRANCISCO CA 94109 2 05/14/01 00 0017441791 01 07/01/01 0 1 0017441791 O 06/01/31 0 4904634 405/405 F 395,200.00 ZZ 360 395,200.00 1 7.625 2,797.20 80 7.125 2,797.20 SAN RAMON CA 94583 1 05/15/01 00 0017452863 03 07/01/01 0 0017452863 O 06/01/31 0 4904636 405/405 F 420,000.00 ZZ 360 420,000.00 1 7.500 2,936.71 80 7.000 2,936.71 DALY CITY CA 94015 1 05/10/01 00 0017464868 05 07/01/01 0 0017464868 O 06/01/31 0 4904637 405/405 F 397,600.00 ZZ 360 397,600.00 1 7.500 2,780.08 80 7.000 2,780.08 PETALUMA CA 94954 1 05/17/01 00 0017465071 03 07/01/01 0 0017465071 O 06/01/31 0 4904638 405/405 F 332,000.00 ZZ 360 332,000.00 1 7.625 2,349.88 80 7.125 2,349.88 BRISBANE CA 94005 1 05/16/01 00 0017465352 05 07/01/01 0 0017465352 O 06/01/31 0 4904639 405/405 F 304,625.00 ZZ 360 304,625.00 1 7.500 2,129.99 80 7.000 2,129.99 LOS ANGELES CA 90292 1 05/16/01 00 0017468927 01 07/01/01 0 0017468927 O 06/01/31 0 1 4904640 405/405 F 347,900.00 ZZ 360 347,900.00 1 7.000 2,314.59 80 6.750 2,314.59 CASTRO VALLEY CA 94552 1 05/14/01 00 0017469263 03 07/01/01 0 0017469263 O 06/01/31 0 4904641 405/405 F 425,000.00 ZZ 360 425,000.00 1 7.500 2,971.67 30 7.000 2,971.67 SAN FRANCISCO CA 94127 1 05/10/01 00 0017485798 05 07/01/01 0 0017485798 O 06/01/31 0 4904644 405/405 F 450,000.00 ZZ 360 450,000.00 1 7.500 3,146.47 44 7.000 3,146.47 CORTE MADERA CA 94925 1 05/21/01 00 0017509365 05 07/01/01 0 0017509365 O 06/01/31 0 4904645 405/405 F 371,000.00 ZZ 360 371,000.00 1 7.125 2,499.50 75 6.750 2,499.50 COSTA MESA CA 92626 5 05/09/01 00 0019831429 05 07/01/01 0 0019831429 O 06/01/31 0 4904646 405/405 F 300,000.00 ZZ 360 300,000.00 1 7.375 2,072.03 69 6.875 2,072.03 HUNTINGTON BEAC CA 92646 2 05/11/01 00 0019835073 05 07/01/01 0 0019835073 O 06/01/31 0 4904647 405/405 F 405,000.00 ZZ 360 405,000.00 1 7.250 2,762.82 22 6.750 2,762.82 1 PALO ALTO CA 94303 5 05/17/01 00 0019846468 05 07/01/01 0 0019846468 O 06/01/31 0 4904648 405/405 F 469,950.00 ZZ 360 469,950.00 1 7.000 3,126.59 76 6.750 3,126.59 TOPANGA CA 90290 2 05/19/01 00 0019852342 05 07/01/01 0 0019852342 O 06/01/31 0 4904651 405/405 F 285,000.00 ZZ 360 285,000.00 1 7.250 1,944.21 65 6.750 1,944.21 PACIFICA CA 94044 5 05/19/01 00 0019853704 05 07/01/01 0 0019853704 O 06/01/31 0 4904653 405/405 F 333,000.00 ZZ 360 333,000.00 1 7.375 2,299.95 43 6.875 2,299.95 BEVERLY HILLS CA 90211 2 05/21/01 00 0019858836 05 07/01/01 0 0019858836 O 06/01/31 0 4906050 025/025 F 340,000.00 ZZ 360 339,760.02 1 7.750 2,435.81 27 7.500 2,435.81 WELLESLEY MA 02481 2 04/06/01 00 138644158 05 06/01/01 0 138644158 O 05/01/31 0 4906259 025/025 F 590,400.00 ZZ 360 589,043.95 1 7.375 4,077.75 80 7.125 4,077.75 DUBLIN CA 94588 1 02/13/01 00 0138871298 03 04/01/01 0 0138871298 O 03/01/31 0 1 4906553 025/025 F 320,000.00 ZZ 360 318,992.41 1 7.250 2,182.96 80 7.000 2,182.96 WEST LINN OR 97068 1 01/15/01 00 013816527 05 03/01/01 0 013816527 O 02/01/31 0 4906670 025/025 F 289,500.00 ZZ 360 289,046.85 1 7.250 1,974.91 77 7.000 1,974.91 HUNTINGTON BEAC CA 92646 1 03/08/01 00 0138904917 05 05/01/01 0 0138904917 O 04/01/31 0 4906832 025/025 F 339,200.00 ZZ 360 338,928.75 1 7.125 2,285.25 74 6.875 2,285.25 ELGIN IL 60123 1 04/16/01 00 138804158 05 06/01/01 0 138804158 O 05/01/31 0 4906916 025/025 F 386,000.00 ZZ 360 385,720.63 1 7.625 2,732.08 73 7.375 2,732.08 SEATTLE WA 98119 5 04/05/01 00 138754908 05 06/01/01 0 138754908 O 05/01/31 0 4907114 025/025 F 650,000.00 ZZ 360 649,056.11 1 7.625 4,600.66 57 7.375 4,600.66 BLOOMFIELD HILL MI 48304 5 03/22/01 00 138816541 05 05/01/01 0 138816541 O 04/01/31 0 4907153 696/G01 F 319,200.00 ZZ 360 319,200.00 1 1 7.625 2,259.28 80 7.375 2,259.28 BETHESDA MD 20814 1 05/31/01 00 0432844926 05 07/01/01 0 31101046 O 06/01/31 0 4907154 696/G01 F 341,350.00 ZZ 360 341,350.00 1 7.750 2,445.47 80 7.500 2,445.47 GERMANTOWN MD 20876 1 05/31/01 00 0432844728 03 07/01/01 0 31200278 O 06/01/31 0 4907158 696/G01 F 356,000.00 ZZ 360 356,000.00 1 7.375 2,458.80 80 7.125 2,458.80 WASHINGTON DC 20016 1 05/31/01 00 0432844249 05 07/01/01 0 31201159 O 06/01/31 0 4907165 696/G01 F 367,950.00 ZZ 360 367,950.00 1 6.875 2,417.17 80 6.625 2,417.17 DUMFRIES VA 22026 1 05/31/01 00 0432840882 03 07/01/01 0 21401049 O 06/01/31 0 4907168 696/G01 F 650,000.00 ZZ 360 650,000.00 1 7.500 4,544.89 71 7.250 4,544.89 ALEXANDRIA VA 22308 2 06/01/01 00 0432840643 05 07/01/01 0 10001026 O 06/01/31 0 4907362 025/025 F 356,000.00 ZZ 360 355,456.55 1 7.375 2,458.81 80 7.125 2,458.81 RALEIGH NC 27612 2 04/02/01 00 138947239 03 05/01/01 0 1 138947239 O 04/01/31 0 4907367 025/025 F 340,000.00 ZZ 360 339,480.97 1 7.375 2,348.30 80 7.125 2,348.30 NAPERVILLE IL 60563 1 03/26/01 00 0138833991 05 05/01/01 0 0138833991 O 04/01/31 0 4908495 964/G01 F 330,000.00 ZZ 360 330,000.00 1 7.375 2,279.23 77 7.125 2,279.23 AURORA CO 80015 1 05/25/01 00 0432846533 05 07/01/01 0 120113 O 06/01/31 0 4909742 E22/G01 F 399,000.00 ZZ 360 399,000.00 1 7.125 2,688.14 80 6.875 2,688.14 LAKE ORION MI 48359 2 05/31/01 00 0412611121 05 07/01/01 0 0412611121 O 06/01/31 0 4909809 E22/G01 F 120,000.00 ZZ 360 120,000.00 1 7.500 839.06 54 7.250 839.06 DALLAS TX 75229 5 05/31/01 00 0412698284 05 07/01/01 0 0412698284 O 06/01/31 0 4909966 025/025 F 290,000.00 ZZ 360 289,557.31 1 7.375 2,002.96 75 7.125 2,002.96 DALY CITY CA 94014 1 03/12/01 00 0138761564 05 05/01/01 0 0138761564 O 04/01/31 0 1 4910409 956/G01 F 353,600.00 ZZ 360 353,600.00 1 7.500 2,472.42 80 7.250 2,472.42 SAINT CHARLES IL 60175 2 05/18/01 00 0432856417 03 07/01/01 0 1111040342 O 06/01/31 0 4910644 956/G01 F 345,200.00 ZZ 360 344,943.81 1 7.500 2,413.69 89 7.250 2,413.69 PLACENTIA CA 92870 2 04/26/01 04 0432853661 05 06/01/01 25 0180021656 O 05/01/31 0 4911644 L46/L46 F 760,300.00 ZZ 360 759,721.47 1 7.375 5,251.21 70 7.125 5,251.21 DALLAS TX 75209 1 04/16/01 00 0000935221 05 06/01/01 0 0000935221 O 05/01/31 0 4911667 286/286 F 365,600.00 ZZ 360 365,600.00 1 7.375 2,525.11 80 7.125 2,525.11 ENGLEWOOD CO 80111 1 05/15/01 00 284233 03 07/01/01 0 284233 O 06/01/31 0 4911668 286/286 F 394,400.00 ZZ 360 394,400.00 1 7.500 2,757.71 80 7.250 2,757.71 CHICAGO IL 60614 1 05/15/01 00 260585 01 07/01/01 0 260585 O 06/01/31 0 4911669 286/286 F 544,000.00 ZZ 360 544,000.00 1 7.625 3,850.40 80 7.375 3,850.40 1 RIVERSIDE IL 60546 1 05/15/01 00 284316 05 07/01/01 0 284316 O 06/01/31 0 4914873 696/G01 F 324,000.00 ZZ 360 324,000.00 1 7.125 2,182.85 80 6.875 2,182.85 MCLEAN VA 22101 1 05/24/01 00 0432850428 05 07/01/01 0 22301070 O 06/01/31 0 4915285 926/926 F 308,482.75 T 323 308,191.75 1 7.625 2,251.15 78 7.375 2,251.15 HILTON HEAD ISL SC 29926 1 05/01/01 00 142000297 03 06/01/01 0 142000297 O 04/01/28 0 4916019 026/G01 F 375,000.00 ZZ 360 375,000.00 1 7.375 2,590.04 79 7.125 2,590.04 WILMINGTON NC 28411 1 05/29/01 00 0432853778 03 07/01/01 0 0200229605 O 06/01/31 0 4917358 956/G01 F 395,000.00 ZZ 360 395,000.00 1 7.375 2,728.17 76 7.125 2,728.17 PARK CITY UT 84098 2 05/16/01 00 0432856888 05 07/01/01 0 1000004086 O 06/01/31 0 4917437 E87/G01 F 300,000.00 ZZ 360 300,000.00 1 7.375 2,072.03 67 7.125 2,072.03 CHATSWORTH CA 91311 1 05/22/01 00 0432851426 05 07/01/01 0 70003517 O 06/01/31 0 1 4920548 N47/G01 F 320,000.00 ZZ 360 320,000.00 1 7.375 2,210.16 70 7.125 2,210.16 REDMOND WA 98052 5 05/11/01 00 0432861623 05 07/01/01 0 20610329 O 06/01/31 0 4922387 L46/L46 F 405,150.00 ZZ 360 405,150.00 1 7.250 2,763.84 44 7.000 2,763.84 COMMERCE MI 48382 2 05/17/01 00 0002092054 29 07/01/01 0 0002092054 O 06/01/31 0 4922835 696/G01 F 446,400.00 ZZ 360 446,400.00 1 7.375 3,083.17 80 7.125 3,083.17 WASHINGTON DC 20016 1 05/30/01 00 0432861409 05 07/01/01 0 25601115 O 06/01/31 0 4922961 550/550 F 465,000.00 ZZ 360 465,000.00 1 7.200 3,156.37 69 6.950 3,156.37 NEWPORT BEACH CA 92660 2 05/21/01 00 120527606 05 07/01/01 0 120527606 O 06/01/31 0 4924674 E22/G01 F 350,000.00 ZZ 360 350,000.00 1 7.625 2,477.28 53 7.375 2,477.28 ORINDA CA 94563 5 05/23/01 00 0412652091 05 07/01/01 0 0412652091 O 06/01/31 0 4924679 E22/G01 F 84,000.00 ZZ 360 84,000.00 1 1 7.375 580.17 70 7.125 580.17 FORT LAUDERDALE FL 33334 1 06/07/01 00 0412672263 05 07/01/01 0 0412672263 O 06/01/31 0 4925208 964/G01 F 431,000.00 ZZ 360 431,000.00 1 7.500 3,013.61 63 7.250 3,013.61 SANTA BARBARA CA 93109 2 05/25/01 00 0432850873 05 07/01/01 0 120919 O 06/01/31 0 4925463 964/G01 F 300,000.00 ZZ 360 300,000.00 1 7.250 2,046.53 67 7.000 2,046.53 ANAHEIM CA 92807 5 05/22/01 00 0432852978 05 07/01/01 0 109695 O 06/01/31 0 4929675 956/G01 F 370,000.00 ZZ 360 370,000.00 1 7.000 2,461.62 74 6.750 2,461.62 OJAI CA 93023 5 05/16/01 00 0432862274 05 07/01/01 0 2911020173 O 06/01/31 0 4930201 696/G01 F 379,920.00 ZZ 360 379,920.00 1 7.125 2,559.59 80 6.875 2,559.59 HERNDON VA 20171 1 05/30/01 00 0432850642 03 07/01/01 0 23301056 O 06/01/31 0 4930547 956/G01 F 337,000.00 ZZ 360 337,000.00 1 7.375 2,327.58 51 7.125 2,327.58 UNION CITY CA 94587 2 05/19/01 00 0432864106 05 07/01/01 0 1 211010190 O 06/01/31 0 4931529 956/G01 F 420,000.00 ZZ 360 420,000.00 1 7.375 2,900.84 80 7.125 2,900.84 THOUSAND OAKS CA 91320 2 05/24/01 00 0432850824 05 07/01/01 0 2611040148 O 06/01/31 0 4931727 136/136 F 360,000.00 ZZ 360 360,000.00 1 7.375 2,486.43 80 7.125 2,486.43 WOODBRIDGE CT 06525 2 05/17/01 00 4626990 05 07/01/01 0 4626990 O 06/01/31 0 4932247 E82/G01 F 424,000.00 ZZ 360 424,000.00 1 7.375 2,928.46 80 7.125 2,928.46 DANVILLE CA 94526 2 06/01/01 00 0400414827 05 07/01/01 0 0400414827 O 06/01/31 0 4936117 227/G01 F 362,250.00 ZZ 360 362,250.00 1 7.375 2,501.98 75 7.125 2,501.98 HUNTERSVILLE NC 28078 5 05/11/01 00 0432856250 03 07/01/01 0 1937227 O 06/01/31 0 4938296 N47/G01 F 444,500.00 ZZ 360 444,500.00 1 7.125 2,994.68 80 6.875 2,994.68 OAKLAND CA 94611 2 05/14/01 00 0432863983 05 07/01/01 0 20310502 O 06/01/31 0 1 4941481 956/G01 F 322,400.00 ZZ 360 322,400.00 1 7.250 2,199.34 80 7.000 2,199.34 LITTLETON CO 80127 1 05/23/01 00 0432864023 05 07/01/01 0 1111050289 O 06/01/31 0 4944090 B60/G01 F 418,000.00 ZZ 360 418,000.00 1 7.500 2,922.72 77 7.250 2,922.72 MOORPARK CA 93021 2 05/14/01 00 0432858702 03 07/01/01 0 328604 O 06/01/31 0 4945744 956/G01 F 375,000.00 ZZ 360 375,000.00 1 7.500 2,622.05 66 7.250 2,622.05 SANTA ROSA CA 95404 2 05/31/01 00 0432864122 05 07/01/01 0 811050255 O 06/01/31 0 4946107 B60/G01 F 397,000.00 ZZ 360 397,000.00 1 7.250 2,708.24 44 7.000 2,708.24 SWAN VILLAGE ID 83449 2 05/04/01 00 0432856680 05 07/01/01 0 323033 O 06/01/31 0 4946754 956/G01 F 328,000.00 ZZ 360 328,000.00 1 6.875 2,154.73 80 6.625 2,154.73 PAOLI PA 19301 1 06/05/01 00 0432853968 05 07/01/01 0 3811050058 O 06/01/31 0 4948202 696/G01 F 500,000.00 ZZ 360 500,000.00 1 7.250 3,410.88 80 7.000 3,410.88 1 POTOMAC MD 20854 1 05/30/01 00 0432858413 05 07/01/01 0 31101051 O 06/01/31 0 4948203 696/G01 F 639,200.00 ZZ 360 639,200.00 1 7.750 4,579.31 80 7.500 4,579.31 WASHINGTON DC 20009 1 06/07/01 00 0432858546 08 07/01/01 0 25601111 O 06/01/31 0 4948204 696/G01 F 370,100.00 ZZ 360 370,100.00 1 7.250 2,524.73 80 7.000 2,524.73 LORTON VA 22079 1 05/31/01 00 0432858652 03 07/01/01 0 24501103 O 06/01/31 0 4948205 696/G01 F 345,000.00 ZZ 360 345,000.00 1 7.375 2,382.83 79 7.125 2,382.83 WASHINGTON DC 20007 2 06/04/01 00 0432858835 05 07/01/01 0 24601133 O 06/01/31 0 4949340 964/G01 F 399,950.00 ZZ 360 399,950.00 1 7.625 2,830.82 80 7.375 2,830.82 ENGLEWOOD CO 80111 1 06/01/01 00 0432853752 03 07/01/01 0 126451 O 06/01/31 0 4949963 964/G01 F 490,000.00 ZZ 360 490,000.00 1 7.375 3,384.31 80 7.125 3,384.31 SAN RAFAEL CA 94901 1 05/22/01 00 0432862175 05 07/01/01 0 125862 O 06/01/31 0 1 4952488 N47/G01 F 469,000.00 ZZ 360 469,000.00 1 7.375 3,239.27 50 7.125 3,239.27 CARMEL VALLEY CA 93924 2 05/24/01 00 0432861748 05 07/01/01 0 20111099 O 06/01/31 0 4953210 601/G01 F 297,000.00 ZZ 360 296,557.78 1 7.500 2,076.67 90 7.250 2,076.67 CASTRO VALLEY CA 94546 1 03/20/01 11 0432858942 09 05/01/01 25 21462106 O 04/01/31 0 4953770 964/G01 F 432,000.00 ZZ 360 432,000.00 1 7.750 3,094.90 69 7.500 3,094.90 SEAL BEACH CA 90740 1 06/01/01 00 0432854214 05 07/01/01 0 125766 O 06/01/31 0 4954000 964/G01 F 339,900.00 ZZ 360 339,900.00 1 7.375 2,347.61 80 7.125 2,347.61 DALY CITY CA 94015 1 05/24/01 00 0432859007 05 07/01/01 0 124830 O 06/01/31 0 4955029 696/G01 F 366,400.00 ZZ 360 366,400.00 1 7.125 2,468.50 80 6.875 2,468.50 ALEXANDRIA VA 22312 1 06/08/01 00 0432863843 03 07/01/01 0 24601121 O 06/01/31 0 4957268 822/G01 F 650,000.00 ZZ 360 650,000.00 1 1 7.625 4,600.66 75 7.375 4,600.66 NEWTON MA 02461 1 05/24/01 00 0432858488 05 07/01/01 0 3446006575 O 06/01/31 0 4957622 J83/G01 F 337,500.00 ZZ 360 337,500.00 1 7.375 2,331.03 75 7.125 2,331.03 HENDERSON NV 89015 2 05/04/01 00 0432864155 05 07/01/01 0 304502 O 06/01/31 0 4958146 480/G01 F 560,000.00 ZZ 360 560,000.00 1 7.500 3,915.60 65 7.250 3,915.60 VERO BEACH FL 32963 2 05/25/01 00 0432857639 03 07/01/01 0 3692373 O 06/01/31 0 4958633 253/253 F 476,000.00 ZZ 360 476,000.00 1 7.500 3,328.27 80 7.250 3,328.27 PHOENIX AZ 85021 4 05/03/01 00 953384 05 07/01/01 0 953384 O 06/01/31 0 4958636 964/G01 F 390,000.00 ZZ 360 390,000.00 1 7.375 2,693.63 74 7.125 2,693.63 HUNTINGTON BEAC CA 92647 2 05/25/01 00 0432858249 05 07/01/01 0 103280 O 06/01/31 0 4958967 964/G01 F 580,000.00 ZZ 360 580,000.00 1 7.500 4,055.44 78 7.250 4,055.44 SANTA ANA (AREA CA 92705 2 05/31/01 00 0432862605 05 07/01/01 0 1 122240 O 06/01/31 0 4963864 J83/G01 F 456,000.00 ZZ 360 456,000.00 1 7.250 3,110.73 80 7.000 3,110.73 RANCHO PALOS VE CA 90275 1 05/30/01 00 0432863884 05 07/01/01 0 297976 O 06/01/31 0 4964576 356/G01 F 576,000.00 ZZ 360 575,142.37 1 7.500 4,027.48 80 7.250 4,027.48 FOSTER CITY CA 94404 1 03/19/01 00 0432863926 01 05/01/01 0 2852580 O 04/01/31 0 4967654 G52/G01 F 308,000.00 ZZ 360 308,000.00 1 7.875 2,233.21 80 7.625 2,233.21 TUCSON AZ 85743 1 05/03/01 00 0432863975 05 07/01/01 0 9900000358 O 06/01/31 0 TOTAL NUMBER OF LOANS : 1,708 TOTAL ORIGINAL BALANCE : 674,786,929.34 TOTAL PRINCIPAL BALANCE : 673,830,643.47 TOTAL ORIGINAL P+I : 4,663,035.80 TOTAL CURRENT P+I : 4,663,035.80 *************************** * END OF REPORT * *************************** EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 4894329 "$378,079.28 " 0.0597 0.115555556 "$43,689.16 " 4787037 "$477,112.20 " 0.06095 0.097037037 "$46,297.55 " 4866383 "$397,631.37 " 0.06095 0.097037037 "$38,584.97 " 4832206 "$324,396.36 " 0.06095 0.097037037 "$31,478.46 " 4884092 "$399,629.52 " 0.06095 0.097037037 "$38,778.86 " 4856970 "$366,118.72 " 0.0622 0.078518519 "$28,747.10 " 4871781 "$387,649.25 " 0.0622 0.078518519 "$30,437.64 " 4874130 "$334,191.58 " 0.0622 0.078518519 "$26,240.23 " 4807659 "$306,978.92 " 0.06345 0.06 "$18,418.74 " 4880666 "$387,657.67 " 0.06345 0.06 "$23,259.46 " 4829221 "$411,636.49 " 0.06345 0.06 "$24,698.19 " 4807738 "$335,710.71 " 0.0647 0.041481481 "$13,925.78 " 4856374 "$349,800.00 " 0.0647 0.041481481 "$14,510.22 " 4559060 "$299,741.71 " 0.0647 0.041481481 "$12,433.73 " 4702452 "$331,441.38 " 0.0647 0.041481481 "$13,748.68 " 4691137 "$316,227.50 " 0.0647 0.041481481 "$13,117.59 " 4688465 "$359,690.05 " 0.0647 0.041481481 "$14,920.48 " 4870591 "$340,000.00 " 0.0647 0.041481481 "$14,103.70 " 4784943 "$459,205.65 " 0.0647 0.041481481 "$19,048.53 " 4723424 "$319,724.49 " 0.0647 0.041481481 "$13,262.65 " 4807731 "$637,200.90 " 0.0647 0.041481481 "$26,432.04 " 4904553 "$561,927.98 " 0.0647 0.041481481 "$23,309.61 " 4677729 "$481,585.01 " 0.0647 0.041481481 "$19,976.86 " 4778902 "$312,010.29 " 0.0647 0.041481481 "$12,942.65 " 4783369 "$375,863.19 " 0.0647 0.041481481 "$15,591.36 " 4385450 "$996,526.92 " 0.0647 0.041481481 "$41,337.41 " 4730412 "$332,500.00 " 0.0647 0.041481481 "$13,792.59 " 4827877 "$119,000.00 " 0.0647 0.041481481 "$4,936.30 " 4820985 "$699,000.00 " 0.0647 0.041481481 "$28,995.56 " 4820000 "$326,000.00 " 0.0647 0.041481481 "$13,522.96 " 4762642 "$286,652.98 " 0.0647 0.041481481 "$11,890.79 " 4746761 "$318,000.00 " 0.0647 0.041481481 "$13,191.11 " 4773651 "$584,014.25 " 0.06595 0.022962963 "$13,410.70 " 4946754 "$328,000.00 " 0.06595 0.022962963 "$7,531.85 " 4849499 "$324,000.00 " 0.06595 0.022962963 "$7,440.00 " 4758238 "$382,128.69 " 0.06595 0.022962963 "$8,774.81 " 4807698 "$379,680.75 " 0.06595 0.022962963 "$8,718.60 " 4757961 "$391,339.46 " 0.06595 0.022962963 "$8,986.31 " 4843733 "$325,000.00 " 0.06595 0.022962963 "$7,462.96 " 4704798 "$387,674.04 " 0.06595 0.022962963 "$8,902.14 " 4769683 "$554,590.62 " 0.06595 0.022962963 "$12,735.04 " 4762780 "$318,931.83 " 0.06595 0.022962963 "$7,323.62 " 4779869 "$345,800.00 " 0.06595 0.022962963 "$7,940.59 " 4807706 "$604,291.89 " 0.06595 0.022962963 "$13,876.33 " 4823692 "$335,200.00 " 0.06595 0.022962963 "$7,697.19 " 4825944 "$375,000.00 " 0.06595 0.022962963 "$8,611.11 " 4853425 "$337,216.46 " 0.06595 0.022962963 "$7,743.49 " 4807784 "$431,637.06 " 0.06595 0.022962963 "$9,911.67 " 4852936 "$299,444.56 " 0.06595 0.022962963 "$6,876.13 " 4779140 "$304,486.07 " 0.06595 0.022962963 "$6,991.90 " 4659330 "$549,073.21 " 0.06595 0.022962963 "$12,608.35 " 4907165 "$367,950.00 " 0.06595 0.022962963 "$8,449.22 " 4564255 "$311,737.88 " 0.06595 0.022962963 "$7,158.43 " 4575987 "$318,482.21 " 0.06595 0.022962963 "$7,313.30 " 4584005 "$463,914.73 " 0.06595 0.022962963 "$10,652.86 " 4588865 "$411,305.75 " 0.06595 0.022962963 "$9,444.80 " 4593689 "$327,724.44 " 0.06595 0.022962963 "$7,525.52 " 4617127 "$500,079.52 " 0.06595 0.022962963 "$11,483.31 " 4637251 "$335,000.00 " 0.06595 0.022962963 "$7,692.59 " 4649446 "$359,697.55 " 0.06595 0.022962963 "$8,259.72 " 4700246 "$311,737.88 " 0.06595 0.022962963 "$7,158.43 " 4803608 "$291,000.00 " 0.06595 0.022962963 "$6,682.22 " 4665962 "$324,726.96 " 0.06595 0.022962963 "$7,456.69 " 4800669 "$524,115.34 " 0.06595 0.022962963 "$12,035.24 " 4794387 "$301,600.00 " 0.06595 0.022962963 "$6,925.63 " 4682169 "$389,672.36 " 0.06595 0.022962963 "$8,948.03 " 4860147 "$374,684.96 " 0.06595 0.022962963 "$8,603.88 " 4723463 "$834,298.49 " 0.06595 0.022962963 "$19,157.97 " 4860726 "$499,579.94 " 0.06595 0.022962963 "$11,471.84 " 4853067 "$521,125.69 " 0.06595 0.022962963 "$11,966.59 " 4790610 "$348,813.69 " 0.06595 0.022962963 "$8,009.80 " 4873275 "$397,865.45 " 0.06595 0.022962963 "$9,136.17 " 4793285 "$400,000.00 " 0.06595 0.022962963 "$9,185.19 " 4793667 "$358,848.27 " 0.06595 0.022962963 "$8,240.22 " 4769788 "$358,000.00 " 0.0667 0.011851852 "$4,242.96 " 4699081 "$388,178.39 " 0.0667 0.011851852 "$4,600.63 " 4803890 "$350,239.50 " 0.0672 0.004444444 "$1,556.62 " 4803889 "$394,691.86 " 0.0672 0.004444444 "$1,754.19 " 4773742 "$461,240.39 " 0.0672 0.004444444 "$2,049.96 " 4776133 "$308,491.94 " 0.0672 0.004444444 "$1,371.08 " 4803888 "$828,369.20 " 0.0672 0.004444444 "$3,681.64 " 4772986 "$461,221.63 " 0.0672 0.004444444 "$2,049.87 " 4776527 "$389,358.78 " 0.0672 0.004444444 "$1,730.48 " 4781043 "$434,284.78 " 0.0672 0.004444444 "$1,930.15 " 4786563 "$387,040.28 " 0.0672 0.004444444 "$1,720.18 " 4782757 "$323,198.57 " 0.0672 0.004444444 "$1,436.44 " 4803885 "$471,631.80 " 0.0672 0.004444444 "$2,096.14 " 4786258 "$549,095.69 " 0.0672 0.004444444 "$2,440.43 " 4785089 "$334,888.64 " 0.0672 0.004444444 "$1,488.39 " 4803884 "$495,613.07 " 0.0672 0.004444444 "$2,202.72 " 4783093 "$387,362.07 " 0.0672 0.004444444 "$1,721.61 " 4800193 "$311,487.01 " 0.0672 0.004444444 "$1,384.39 " 4797791 "$298,000.00 " 0.0672 0.004444444 "$1,324.44 " 4803886 "$590,538.97 " 0.0672 0.004444444 "$2,624.62 " 4660273 "$479,210.78 " 0.0672 0.004444444 "$2,129.83 " 4693823 "$339,721.30 " 0.0672 0.004444444 "$1,509.87 " 4675077 "$309,745.89 " 0.0672 0.004444444 "$1,376.65 " 4672278 "$612,997.12 " 0.0672 0.004444444 "$2,724.43 " 4671582 "$298,954.74 " 0.0672 0.004444444 "$1,328.69 " 4669643 "$390,679.50 " 0.0672 0.004444444 "$1,736.35 " 4727594 "$335,000.00 " 0.0672 0.004444444 "$1,488.89 " 4666516 "$650,000.00 " 0.0672 0.004444444 "$2,888.89 " 4708117 "$316,540.32 " 0.0672 0.004444444 "$1,406.85 " 4642734 "$549,549.17 " 0.0672 0.004444444 "$2,442.44 " 4600870 "$536,559.82 " 0.0672 0.004444444 "$2,384.71 " 4588893 "$339,721.30 " 0.0672 0.004444444 "$1,509.87 " 4570174 "$649,467.20 " 0.0672 0.004444444 "$2,886.52 " 4563917 "$396,174.99 " 0.0672 0.004444444 "$1,760.78 " 4547217 "$373,119.32 " 0.0672 0.004444444 "$1,658.31 " 4667832 "$394,350.57 " 0.0672 0.004444444 "$1,752.67 " 4803892 "$383,115.46 " 0.0672 0.004444444 "$1,702.74 " 4769725 "$387,362.07 " 0.0672 0.004444444 "$1,721.61 " 4768958 "$414,400.00 " 0.0672 0.004444444 "$1,841.78 " 4768581 "$335,000.00 " 0.0672 0.004444444 "$1,488.89 " 4764975 "$169,579.51 " 0.0672 0.004444444 $753.69 4762360 "$289,762.29 " 0.0672 0.004444444 "$1,287.83 " 4745712 "$470,613.92 " 0.0672 0.004444444 "$2,091.62 " 4694309 "$380,000.00 " 0.0672 0.004444444 "$1,688.89 " 4730703 "$368,697.53 " 0.0672 0.004444444 "$1,638.66 " 4701902 "$419,655.73 " 0.0672 0.004444444 "$1,865.14 " 4726949 "$356,000.00 " 0.0672 0.004444444 "$1,582.22 " 4803916 "$541,865.76 " 0.0672 0.004444444 "$2,408.29 " 4715632 "$318,938.35 " 0.0672 0.004444444 "$1,417.50 " 4709934 "$329,329.83 " 0.0672 0.004444444 "$1,463.69 " 4709371 "$325,000.00 " 0.0672 0.004444444 "$1,444.44 " 4769925 "$600,000.00 " 0.0672 0.004444444 "$2,666.67 " 4738281 "$464,000.00 " 0.0672 0.004444444 "$2,062.22 " 4842246 "$343,000.00 " 0.0672 0.004444444 "$1,524.44 " 4878161 "$383,470.00 " 0.0672 0.004444444 "$1,704.31 " 4874751 "$244,145.35 " 0.0672 0.004444444 "$1,085.09 " 4871902 "$340,000.00 " 0.0672 0.004444444 "$1,511.11 " 4870590 "$332,000.00 " 0.0672 0.004444444 "$1,475.56 " 4870588 "$400,000.00 " 0.0672 0.004444444 "$1,777.78 " 4864658 "$423,948.77 " 0.0672 0.004444444 "$1,884.22 " 4857080 "$378,000.00 " 0.0672 0.004444444 "$1,680.00 " 4853306 "$322,985.03 " 0.0672 0.004444444 "$1,435.49 " 4853036 "$527,131.88 " 0.0672 0.004444444 "$2,342.81 " 4803913 "$378,012.14 " 0.0672 0.004444444 "$1,680.05 " 4848568 "$399,995.00 " 0.0672 0.004444444 "$1,777.76 " 4904562 "$521,932.28 " 0.0672 0.004444444 "$2,319.70 " 4839038 "$520,000.00 " 0.0672 0.004444444 "$2,311.11 " 4832278 "$423,202.88 " 0.0672 0.004444444 "$1,880.90 " 4832247 "$375,301.92 " 0.0672 0.004444444 "$1,668.01 " 4832238 "$360,156.98 " 0.0672 0.004444444 "$1,600.70 " 4832228 "$354,416.33 " 0.0672 0.004444444 "$1,575.18 " 4832196 "$317,239.74 " 0.0672 0.004444444 "$1,409.95 " 4832166 "$269,536.20 " 0.0672 0.004444444 "$1,197.94 " 4830830 "$331,500.00 " 0.0672 0.004444444 "$1,473.33 " 4828376 "$528,000.00 " 0.0672 0.004444444 "$2,346.67 " 4851802 "$368,000.00 " 0.0672 0.004444444 "$1,635.56 " 4904603 "$485,000.00 " 0.0672 0.004444444 "$2,155.56 " 4929675 "$370,000.00 " 0.0672 0.004444444 "$1,644.44 " 4904651 "$285,000.00 " 0.0672 0.004444444 "$1,266.67 " 4904648 "$469,950.00 " 0.0672 0.004444444 "$2,088.67 " 4904647 "$405,000.00 " 0.0672 0.004444444 "$1,800.00 " 4904645 "$371,000.00 " 0.0672 0.004444444 "$1,648.89 " 4904640 "$347,900.00 " 0.0672 0.004444444 "$1,546.22 " 4904630 "$293,000.00 " 0.0672 0.004444444 "$1,302.22 " 4904627 "$308,750.00 " 0.0672 0.004444444 "$1,372.22 " 4904625 "$324,000.00 " 0.0672 0.004444444 "$1,440.00 " 4883678 "$488,000.00 " 0.0672 0.004444444 "$2,168.89 " 4904604 "$335,920.00 " 0.0672 0.004444444 "$1,492.98 " 4904559 "$314,754.27 " 0.0672 0.004444444 "$1,398.91 " 4904602 "$452,000.00 " 0.0672 0.004444444 "$2,008.89 " 4904598 "$380,000.00 " 0.0672 0.004444444 "$1,688.89 " 4904592 "$360,000.00 " 0.0672 0.004444444 "$1,600.00 " 4904589 "$359,000.00 " 0.0672 0.004444444 "$1,595.56 " 4904588 "$432,000.00 " 0.0672 0.004444444 "$1,920.00 " 4904587 "$350,000.00 " 0.0672 0.004444444 "$1,555.56 " 4904579 "$355,000.00 " 0.0672 0.004444444 "$1,577.78 " 4904565 "$315,900.00 " 0.0672 0.004444444 "$1,404.00 " 4904564 "$334,738.67 " 0.0672 0.004444444 "$1,487.73 " 4807906 "$359,704.91 " 0.0672 0.004444444 "$1,598.69 " 4904619 "$650,000.00 " 0.0672 0.004444444 "$2,888.89 " 4803909 "$599,520.18 " 0.0672 0.004444444 "$2,664.53 " 4818043 "$499,590.16 " 0.0672 0.004444444 "$2,220.40 " 4803923 "$332,752.86 " 0.0672 0.004444444 "$1,478.90 " 4803922 "$344,730.87 " 0.0672 0.004444444 "$1,532.14 " 4803921 "$297,467.76 " 0.0672 0.004444444 "$1,322.08 " 4803918 "$408,181.33 " 0.0672 0.004444444 "$1,814.14 " 4803917 "$499,619.54 " 0.0672 0.004444444 "$2,220.53 " 4803915 "$326,751.18 " 0.0672 0.004444444 "$1,452.23 " 4544073 "$476,000.00 " 0.0672 0.004444444 "$2,115.56 " 4803912 "$388,704.00 " 0.0672 0.004444444 "$1,727.57 " 4803925 "$319,750.36 " 0.0672 0.004444444 "$1,421.11 " 4803910 "$381,716.50 " 0.0672 0.004444444 "$1,696.52 " 4803929 "$499,609.95 " 0.0672 0.004444444 "$2,220.49 " 4803908 "$354,729.87 " 0.0672 0.004444444 "$1,576.58 " 4803907 "$335,731.30 " 0.0672 0.004444444 "$1,492.14 " 4803906 "$339,747.67 " 0.0672 0.004444444 "$1,509.99 " 4803905 "$648,481.00 " 0.0672 0.004444444 "$2,882.14 " 4803902 "$419,680.41 " 0.0672 0.004444444 "$1,865.25 " 4803900 "$524,590.45 " 0.0672 0.004444444 "$2,331.51 " 4803898 "$499,609.95 " 0.0672 0.004444444 "$2,220.49 " 4803897 "$430,055.81 " 0.0672 0.004444444 "$1,911.36 " 4803895 "$799,406.28 " 0.0672 0.004444444 "$3,552.92 " 4803894 "$934,288.53 " 0.0672 0.004444444 "$4,152.39 " 4803911 "$340,614.65 " 0.0672 0.004444444 "$1,513.84 " 4807690 "$297,505.93 " 0.0672 0.004444444 "$1,322.25 " 4803893 "$506,614.21 " 0.0672 0.004444444 "$2,251.62 " 4807849 "$431,645.89 " 0.0672 0.004444444 "$1,918.43 " 4807847 "$319,537.86 " 0.0672 0.004444444 "$1,420.17 " 4807844 "$649,467.20 " 0.0672 0.004444444 "$2,886.52 " 4807815 "$441,637.69 " 0.0672 0.004444444 "$1,962.83 " 4807810 "$362,835.67 " 0.0672 0.004444444 "$1,612.60 " 4807759 "$359,704.91 " 0.0672 0.004444444 "$1,598.69 " 4807751 "$324,373.59 " 0.0672 0.004444444 "$1,441.66 " 4807720 "$454,126.22 " 0.0672 0.004444444 "$2,018.34 " 4803924 "$339,747.67 " 0.0672 0.004444444 "$1,509.99 " 4807699 "$379,688.52 " 0.0672 0.004444444 "$1,687.50 " 4809567 "$599,458.23 " 0.0672 0.004444444 "$2,664.26 " 4807687 "$359,704.91 " 0.0672 0.004444444 "$1,598.69 " 4807666 "$499,338.69 " 0.0672 0.004444444 "$2,219.28 " 4807658 "$353,709.82 " 0.0672 0.004444444 "$1,572.04 " 4803939 "$389,303.55 " 0.0672 0.004444444 "$1,730.24 " 4803938 "$297,773.24 " 0.0672 0.004444444 "$1,323.44 " 4803936 "$294,775.52 " 0.0672 0.004444444 "$1,310.11 " 4803935 "$300,770.96 " 0.0672 0.004444444 "$1,336.76 " 4803934 "$315,753.49 " 0.0672 0.004444444 "$1,403.35 " 4803931 "$343,100.00 " 0.0672 0.004444444 "$1,524.89 " 4803930 "$711,471.59 " 0.0672 0.004444444 "$3,162.10 " 4807700 "$348,514.09 " 0.0672 0.004444444 "$1,548.95 " "$90,278,887.57 " "$1,367,508.75 " 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 Insured Payment for such Distribution Date, and the respective portions thereof allocable to principal and interest for the Insured Certificates; (vii) the amount of any Certificate Insurance Payment made on such Distribution Date, the amount of any reimbursement payment made to the Certificate Insurer on such Distribution Date pursuant to Section 4.02(a)(xvi) and the amount of Cumulative Insurance Payments after giving effect to any such Certificate Insurance Payment or any such reimbursement payment to the Certificate Insurer; (viii) the aggregate Certificate Principal Balance of each Class of Certificates and the Senior 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; (ix) the related Subordinate Principal Distribution Amount and Prepayment Distribution Percentage, if applicable; (x) on the basis of the most recent reports furnished to it by Sub-Servicers, the number and aggregate principal balances of Mortgage Loans that are Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or more days and the number and aggregate principal balance of Mortgage Loans that are in foreclosure; (xi) the number, aggregate principal balance and book value of any REO Properties; -1- (xii) 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; (xiii) 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; (xiv) 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; (xv) the Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xvi) the occurrence of the Credit Support Depletion Date; (xvii) the related Senior Accelerated Distribution Percentage and Lockout Percentage applicable to such distribution; (xviii)the related Senior Percentage for such Distribution Date; (xix) the aggregate amount of Realized Losses for such Distribution Date; (xx) the aggregate amount of any recoveries on previously foreclosed loans from Sellers due to a breach of representation or warranty assigned to the Trustee pursuant to Section 2.04; (xxi) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; (xxii) the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xxiii)the Accrual Distribution Amount for 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 will initially be located at http://www.abs.bankone.com. To receive this statement via first class mail, telephone the Trustee at (800) 524-9472. -2- EXHIBIT FOUR STANDARD TERMS OF POOLING AND SERVICING AGREEMENT DATED AS OF FEBRUARY 1, 2001 EXECUTION COPY -------------------------------------------------------------------------------- STANDARD TERMS OF POOLING AND SERVICING AGREEMENT Dated as of June 1, 2001 Residential Funding Mortgage Securities I, Inc. Mortgage Pass-Through Certificates --------------------------------------------------------------------------------
TABLE OF CONTENTS PAGE ARTICLE I DEFINITIONS Section 1.01 Definitions............................................................1 Section 1.02 Use of Words and Phrases..............................................29 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01 Conveyance of Mortgage Loans..........................................30 Section 2.02 Acceptance by Trustee.................................................36 Section 2.03 Representations, Warranties and Covenants of the Master Servicer and the Company...............................................................37 Section 2.04 Representations and Warranties of Sellers.............................39 Section 2.05 Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I.......................................41 Section 2.06 Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee.............................................41 Section 2.07 Issuance of Certificates Evidencing Interests in REMIC II.............41 Section 2.08 Purposes and Powers of the Trust......................................41 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01 Master Servicer to Act as Servicer....................................41 Section 3.02 Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations.................43 Section 3.03 Successor Subservicers................................................44 Section 3.04 Liability of the Master Servicer......................................44 Section 3.05 No Contractual Relationship Between Subservicer and Trustee or Certificateholders....................................................45 Section 3.06 Assumption or Termination of Subservicing Agreements by Trustee.......45 Section 3.07 Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account...............................................................45 Section 3.08 Subservicing Accounts; Servicing Accounts.............................48 Section 3.09 Access to Certain Documentation and Information Regarding the Mortgage Loans.................................................................49 Section 3.10 Permitted Withdrawals from the Custodial Account......................50 Section 3.11 Maintenance of the Primary Insurance Policies; Collections Thereunder .....................................................................51 i Section 3.12 Maintenance of Fire Insurance and Omissions and Fidelity Coverage.....52 Section 3.13 Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments.......................................54 Section 3.14 Realization Upon Defaulted Mortgage Loans.............................56 Section 3.15 Trustee to Cooperate; Release of Mortgage Files.......................59 Section 3.16 Servicing and Other Compensation; Compensating Interest...............60 Section 3.17 Reports to the Trustee and the Company................................61 Section 3.18 Annual Statement as to Compliance.....................................61 Section 3.19 Annual Independent Public Accountants' Servicing Report...............62 Section 3.20 Rights of the Company in Respect of the Master Servicer...............62 Section 3.21 Administration of Buydown Funds.......................................63 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01 Certificate Account...................................................63 Section 4.02 Distributions.........................................................64 Section 4.03 Statements to Certificateholders......................................64 Section 4.04 Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.......................................................65 Section 4.05 Allocation of Realized Losses.........................................66 Section 4.06 Reports of Foreclosures and Abandonment of Mortgaged Property.........66 Section 4.07 Optional Purchase of Defaulted Mortgage Loans.........................67 Section 4.08 Surety Bond...........................................................67 ARTICLE V THE CERTIFICATES Section 5.01 The Certificates......................................................68 Section 5.02 Registration of Transfer and Exchange of Certificates.................70 Section 5.03 Mutilated, Destroyed, Lost or Stolen Certificates.....................75 Section 5.04 Persons Deemed Owners.................................................76 Section 5.05 Appointment of Paying Agent...........................................76 ARTICLE VI THE COMPANY AND THE MASTER SERVICER Section 6.01 Respective Liabilities of the Company and the Master Servicer.........77 Section 6.02 Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer.................77 Section 6.03 Limitation on Liability of the Company, the Master Servicer and Others .....................................................................78 Section 6.04 Company and Master Servicer Not to Resign.............................79 ARTICLE VII ii DEFAULT Section 7.01 Events of Default.....................................................79 Section 7.02 Trustee or Company to Act; Appointment of Successor...................81 Section 7.03 Notification to Certificateholders....................................82 Section 7.04 Waiver of Events of Default...........................................82 ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01 Duties of Trustee.....................................................83 Section 8.02 Certain Matters Affecting the Trustee.................................84 Section 8.03 Trustee Not Liable for Certificates or Mortgage Loans.................86 Section 8.04 Trustee May Own Certificates..........................................86 Section 8.05 Master Servicer to Pay Trustee's Fees and Expenses; Indemnification...86 Section 8.06 Eligibility Requirements for Trustee..................................87 Section 8.07 Resignation and Removal of the Trustee................................88 Section 8.08 Successor Trustee.....................................................89 Section 8.09 Merger or Consolidation of Trustee....................................89 Section 8.10 Appointment of Co-Trustee or Separate Trustee.........................89 Section 8.11 Appointment of Custodians.............................................90 Section 8.12 Appointment of Office or Agency.......................................91 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 91 Section 9.02 Additional Termination Requirements...................................94 Section 9.03 Termination of Multiple REMICs........................................95 ARTICLE X REMIC PROVISIONS Section 10.01 REMIC Administration..................................................95 Section 10.02 Master Servicer, REMIC Administrator and Trustee Indemnification......99 Section 10.03 Designation of REMIC(s)...............................................99 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01 Amendment.............................................................99 Section 11.02 Recordation of Agreement; Counterparts...............................102 Section 11.03 Limitation on Rights of Certificateholders...........................102 Section 11.04 Governing Law........................................................103 Section 11.05 Notices..............................................................103 iii Section 11.06 Required Notices to Rating Agency and Subservicer....................103 Section 11.07 Severability of Provisions...........................................104 Section 11.08 Supplemental Provisions for Resecuritization.........................104 Section 11.09 Allocation of Voting Rights..........................................105
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 iv This is the Standard Terms of Pooling and Servicing Agreement, dated as of June 1, 2001 (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 FUNDING MORTGAGE SECURITIES I, 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 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: 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 1 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 or (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, 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, instruments, documents, 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, instruments, documents, 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. 2 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. 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, 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 3 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 Loans on deposit in the Custodial Account as of the close of business on the immediately preceding Determination Date 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 (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 Section 3.16(e) is less than Prepayment Interest Shortfalls incurred on the Mortgage Loans in connection with Principal Prepayments in Full received during the related Prepayment Period 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 4 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. 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. 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 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. 5 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) 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 (iii) 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 the Class of Subordinate Certificates with the Lowest Priority at any given time shall be calculated to equal the Percentage Interest evidenced by such Certificate times the excess, if any, of (A) the then aggregate Stated Principal Balance of the Mortgage Loans over (B) the then aggregate Certificate Principal Balance of all other Classes of Certificates then outstanding. 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. Class A-P Collection Shortfall: With respect to the Cash Liquidation or REO Disposition of a Discount Mortgage Loan and any Distribution Date, the excess of the amount described in Section 4.02(b)(i)(C)(1) over the amount described in Section 4.02(b)(i)(C)(2). Class A-P Principal Distribution Amount: As defined in Section 4.02. Class A-V Certificate: Any one of the Certificates designated as a Class A-V Certificate, including any Subclass thereof. 6 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. 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 except as may be required pursuant to the last sentence of such Section. 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. 7 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 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. 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, 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. 8 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 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. 9 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 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. 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). 10 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 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. 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; 11 (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. 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, Inc. 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. Fraud Losses: 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 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. 12 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. 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. 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. 13 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. 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 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. 14 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. 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. 15 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. 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 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. 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 in Full, Cash Liquidation or REO 16 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 17 of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the 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, instruments, documents, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or 18 description pledged by Combined Collateral LLC as security in respect of any Realized Losses in connection with such Mortgage Loan up to the 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 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). 19 Principal Only Certificates: A Class of Certificates not entitled to payments of interest, and more specifically designated as such in the Series Supplement. 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 mortgage loan purchase and conduit servicing program and all supplements and amendments thereto published by Residential Funding from time to time. 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; 20 (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 (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 or expenses as to which the Master Servicer or Subservicer is entitled to reimbursement thereunder but which have not been previously reimbursed, 21 (b) which is the subject of a Servicing Modification, (i) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced, 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. 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 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. 22 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. 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. 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, 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. 23 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 (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% 24 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 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, 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. 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. 25 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 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 and (iv) compliance with the obligations under Sections 3.01, 3.08, 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 that is in default, or for which, in the judgment of the Master Servicer, default is reasonably foreseeable, pursuant to a modification of such Mortgage Loan 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 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, 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 Cut-off Date Principal Balance of the Mortgage Loan, 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 26 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. 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, 27 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 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 28 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: A citizen or resident of the United States, a corporation, partnership or other entity created or organized in, or under the laws of, the United States, 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 unless all persons that own an interest in such partnership either directly or through any entity that is not a corporation for United States federal income tax purposes are required by the applicable operating agreement to be United States Persons, any state thereof, or the District of Columbia (except in the case of a partnership, to the extent provided in Treasury regulations) or any political subdivision thereof, or an estate that is described in Section 7701(a)(30)(D) of the Code, or a trust that is described in Section 7701(a)(30)(E) of the Code. 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. 29 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 on or before 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 30 (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. 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) An executed UCC-1 financing statement showing the Master Servicer as debtor, the Company as secured party and the Trustee as assignee and an executed 31 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 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. (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 32 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. 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. However, if the Mortgage Loans and any Uncertificated REMIC Regular Interests are held to be property of the Company or of Residential Funding, or if for any reason this Agreement is held or deemed to create a security interest in the Mortgage Loans and any Uncertificated REMIC Regular Interests, then it is intended that (a) this Agreement shall be 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; 33 (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, accounts, chattel paper, 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, negotiable documents, goods, 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, 9-305 and 9-115 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 34 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 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 all money, securities, security entitlements, accounts, general intangibles, instruments, documents, 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) all security interests in and lien of the Company as owner of such Mortgage Loan in the Pledged Amounts and all money, securities, security entitlements, accounts, general intangibles, instruments, documents, 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 is credited to the Custodial Account, (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. 35 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)(i) and Section 2.01(b)(II)(i), (iii), (v), (vi) and (viii) above (except that for purposes of such acknowledgment 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 36 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 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 37 would materially and adversely affect the condition (financial or other) or operations of the Master Servicer or its properties or might have consequences that would 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. 38 (b) Representations and warranties relating to the Mortgage Loans are set forth in Section 2.03(b) of the Series Supplement. 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 (to the extent assigned to the Company pursuant to the Assignment 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. 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 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 Certificateholders to reflect the 39 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 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 interest in respect of the Seller's Agreement and the Assignment Agreement applicable to such Mortgage Loan. 40 Section 2.05 Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I. 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. 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 41 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 is 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. 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 42 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 to this Agreement as Exhibit E. With the approval of the Master Servicer, a Subservicer may 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. (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 43 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 such 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 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 44 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 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 45 extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. 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), 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; and provided, further, that no such modification shall reduce the interest rate on a Mortgage Loan below the sum of the Pool Strip Rate and the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrues. 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; 46 (iii) Insurance Proceeds 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 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. 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 47 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 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 48 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 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. 49 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 or 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 particular 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; (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 50 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, any Advance made in connection with a modification of a 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 has been added to the outstanding principal balance of the Mortgage Loan, 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 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 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 51 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 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. 52 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 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 53 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: (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 54 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 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. 55 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. In connection with 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 56 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 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. 57 (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 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 58 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)(provided that, if such recovery is of an amount previously allocated to one or more Classes of Certificates as a Realized Loss, such recovery shall be allocated among such Classes in the same proportions as the allocation of such Realized Losses and, if any such Class of Certificates to which such Realized Loss was allocated is no longer outstanding, such subsequent recovery shall be distributed to the persons who were the Holders of such Class of Certificates when it was retired); fourth, to all 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 59 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 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. 60 (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 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, the Trustee and any Certificate Insurer on or before March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, 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 61 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 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 March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, 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 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 62 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. 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 63 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. Section 4.02 Distributions. As provided in Section 4.02 of the Series Supplement. Section 4.03 Statements to Certificateholders. (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 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. (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 64 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. 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 Monthly Payments were delinquent 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 65 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. 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 66 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. (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. 67 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 deemed inconsistent if they 68 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. 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 such instructions and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates all references herein to obligations imposed upon or to be performed by the Company in connection with the issuance of the Definitive Certificates pursuant to this Section 5.01 shall be deemed to be imposed upon and performed by the Trustee, and 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 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. 69 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 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; 70 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 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 fourteen 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 71 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), and PTE 2000-58, 65 Fed. Reg. 67765 (November 13, 2000) (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. (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, 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 72 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 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 73 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. (B) 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 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. 74 (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. (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 75 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 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. 76 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 77 rating of the Classes of Certificates that have been rated in effect immediately 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. 78 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. 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, 79 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 (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. 80 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. 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 81 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 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. 82 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, upon any certificates or opinions furnished to the Trustee by the Company or the 83 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: 84 (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; (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 85 (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. (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 86 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. (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, 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 87 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. 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. 88 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 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 89 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 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 90 Certificateholders of the appointment of any Custodian (other than the Custodian appointed as of the Closing Date) pursuant to this Section 8.11. 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. 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. 91 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. 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, 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 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 92 (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, and in the case of the Senior Certificates and Class M Certificates, that payment will be made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. 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, Class M or Class B Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof, 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). (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 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 93 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. 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 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; 94 (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. 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 95 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 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) 96 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 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 97 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. (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 any 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 98 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. (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. 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, 99 (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 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 100 evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall: (i) reduce in any manner the amount of, or delay the timing of, payments 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 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 101 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 K, 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. 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 102 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. 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, shall notify each Rating Agency and 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), (d), (g), (h), (i) or (j) below or 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, 103 (c) the termination or appointment of a successor Master Servicer or 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) a change in the location of the Custodial Account or 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 of any such event known to the Master Servicer. 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 104 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. 105 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.]
Certificate No. [ %][Adjustable][Variable] Pass-Through -------- -------- Class [A- ] Senior Rate [based on a Notional Amount] ---- Date of Pooling and Servicing [Percentage Interest: %] ------ Agreement and Cut-off Date: Aggregate Initial [Certificate Principal ________________ Balance] [[Interest Only/Class A-V] Notional First Distribution Date: Amount] [Subclass Notional Amount] of the ________________ 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 _______- ---------- ----------------
MORTGAGE 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 FUNDING MORTGAGE SECURITIES I, INC. THIS CERTIFICATE IS PAYABLE SOLELY FROM THE ASSETS OF THE TRUST FUND, AND DOES NOT REPRESENT AN OBLIGATION OF OR INTEREST IN RESIDENTIAL FUNDING MORTGAGE SECURITIES I, 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 FUNDING MORTGAGE SECURITIES I, 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 FUNDING MORTGAGE SECURITIES I, 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 SERIES SUPPLEMENT, DATED AS SPECIFIED ABOVE, TO THE STANDARD TERMS OF POOLING AND SERVICING AGREEMENT DATED AS OF ________________ (TOGETHER, THE "POOLING AND SERVICING AGREEMENT" OR 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.] 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] 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 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 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 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. IN WITNESS WHEREOF, THE TRUSTEE HAS CAUSED THIS CERTIFICATE TO BE DULY EXECUTED. DATED: ________________ [TRUSTEE], AS TRUSTEE BY: _________________________ AUTHORIZED SIGNATORY CERTIFICATE OF AUTHENTICATION This is one of the Class [A- ] Certificates referred to in the within-mentioned Agreement. [Trustee], as Certificate Registrar By: _________________________ Authorized Signatory ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Pass- Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust 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. 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. 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) 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), AND PTE 2000-58, 65 FED. REG. 67765 (NOVEMBER 13, 2000) (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 IN VIOLATION OF THE PROVISIONS OF 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. Certificate No. [ ]% Pass-Through Rate ------ ------ Class M- Subordinate Aggregate Certificate --- Date of Pooling and Servicing Principal Balance Agreement and Cut-off Date: of the Class M Certificates: ________________ $ ------------------------------ First Distribution Date: Initial Certificate Principal ________________ Balance of this Certificate: Master Servicer: $ ------------------------------ Residential Funding Corporation CUSIP: _______- ---------- Assumed Final Distribution Date: ---------------- MORTGAGE 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 FUNDING MORTGAGE SECURITIES I, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Funding Mortgage Securities I, 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 Funding Mortgage Securities I, 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 Funding Mortgage Securities I, 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 Series Supplement, dated as specified above, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Pooling and Servicing Agreement" or 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 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, 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 a Plan Investor, (B) it has acquired and is holding this Certificate in reliance on the RFC Exemption and that it understands that there are certain conditions to the availability of the RFC Exemption including that this 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) the transferee is a Complying Insurance Company. 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 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 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. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: ________________ [Trustee], as Trustee By: _________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [Trustee], as Certificate Registrar By: _________________________ Authorized Signatory ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Pass- Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust 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. 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. Certificate No. [ ]% Pass-Through Rate ---- ------ Class B- Subordinate Aggregate Certificate ---- Date of Pooling and Servicing Principal Balance Agreement and Cut-off Date: of the Class B- ---- ________________ Certificates as of First Distribution Date: the Cut-off Date: ________________ $ ------------------------------ Master Servicer: Initial Certificate Principal Residential Funding Corporation Balance of this Certificate: Assumed Final Distribution Date: $ ------------------------------ ---------------- CUSIP -------------------------- MORTGAGE 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 FUNDING MORTGAGE SECURITIES I, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Funding Mortgage Securities I, 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 Funding Mortgage Securities I, 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 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 Funding Mortgage Securities I, 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 Series Supplement, dated as specified above, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Pooling and Servicing Agreement" or 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 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 Section 5.02(e) of 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 the Agreement, either 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 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 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. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: ________________ [Trustee], as Trustee By: _________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class B- Certificates referred to in the within-mentioned Agreement. [Trustee], as Certificate Registrar By: _________________________ Authorized Signatory ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Pass- Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust 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. 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 Date of Pooling and Servicing Principal Balance of the Agreement and Cut-off Date: Class R[-__] Certificates: ________________ $100.00 First Distribution Date: Initial Certificate Principal ________________ Balance of this Certificate: Master Servicer: $ ------------------------------ Residential Funding Corporation Percentage Interest: Assumed Final Distribution Date: % -------------- ________________ CUSIP _______- ---------- MORTGAGE 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 FUNDING MORTGAGE SECURITIES I, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Funding Mortgage Securities I, 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 Funding Mortgage Securities I, 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 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 Funding Mortgage Securities I, 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 Series Supplement, dated as specified above, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Pooling and Servicing Agreement" or 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, 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 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 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. 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. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: ________________ [Trustee], as Trustee By: _________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class R[-__] Certificates referred to in the within-mentioned Agreement. [Trustee], as Certificate Registrar By: _________________________ Authorized Signatory ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Pass- Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust 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. 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. 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. 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. 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:_________________________________ 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. Series Supplement, to the Standard Terms of Pooling and Servicing Agreement, Dated: Series#: Account#: Pool#: Loan#: 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 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 a citizen or resident of the United States, a corporation, partnership or other entity created or organized in, or under the laws of, the United States or any political subdivision thereof (except in the case of a partnership, to the extent provided in Treasury regulations), or an estate that is described in Section 7701(a)(30)(D) of the Code, or a trust that is described in Section 7701(a)(30)(E) of the Code. 6. 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. 7. 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. 8. 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. 9. The Owner's Taxpayer Identification Number is __________________. 10. 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. 11. 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. 12. 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. 13. 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. 14. (a) 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 Internal Revenue Code of 1986, as amended (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; or (b) The Purchaser will provide the Trustee, the Company and the Master Servicer with 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 of Certificates is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under ERISA or Section 4975 of the Code 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 the Pooling and Servicing Agreement. 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 either such Plan or person meets the requirements set forth in either (a) or (b) above. Capitalized terms used but not defined herein shall have the meanings assigned in the Pooling and Servicing Agreement. 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__. EXHIBIT G-2 FORM OF TRANSFEROR CERTIFICATE _____________ , 20____ Residential Funding Mortgage Securities I, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 [Trustee] Attention: Residential Funding Corporation Series _______ Re: Mortgage 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 Pass-Through Certificates, Series ________, Class R[-__] (the "Certificates"), pursuant to Section 5.02 of the Series Supplement, dated as of ________________, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Pooling and Servicing Agreement") among Residential Funding Mortgage Securities I, Inc., as seller (the "Company"), Residential Funding Corporation, as 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:_____________________________ EXHIBIT H FORM OF INVESTOR REPRESENTATION LETTER , 20 ------------------------------------ ---- Residential Funding Mortgage Securities I, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 [Trustee] Residential Funding Corporation 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 Attention: Residential Funding Corporation Series ________ RE: Mortgage Pass-Through Certificates, Series ________, [Class B-] Ladies and Gentlemen: _________________ (the "Purchaser") intends to purchase from _______________- (the "Seller") $_____________ Initial Certificate Principal Balance of Mortgage Pass-Through Certificates, Series ________, Class (the "Certificates"), issued pursuant to the Series Supplement, dated as of ________________, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Pooling and Servicing Agreement") among Residential Funding Mortgage Securities I, 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 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 ("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; (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; or (c) has provided the Trustee, the Company and the Master Servicer with 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 of Certificates is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under ERISA or Section 4975 of the Code 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 the Pooling and Servicing Agreement. 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), (b) or (c) above. Very truly yours, By:________________________________ Name: _____________________________ Title:______________________________ EXHIBIT I FORM OF TRANSFEROR REPRESENTATION LETTER , 20 ------------ ----- Residential Funding Mortgage Securities I, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 [Trustee] Attention: Residential Funding Corporation Series ________ Re: Mortgage 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 Pass-Through Certificates, Series ________, Class (the "Certificates"), issued pursuant to the Series Supplement, dated as of ________________, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Pooling and Servicing Agreement") among Residential Funding Mortgage Securities I, 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 Series Supplement, dated as of ________________, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (the "Agreement") among Residential Funding Corporation as Master Servicer, Residential Funding Mortgage Securities I, 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; (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; or (c) has provided the Trustee, the Company and the Master Servicer with 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 of Certificates is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under ERISA or Section 4975 of the Code 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 the Pooling and Servicing Agreement. ] 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:_______________________________ 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 ADVISOR: 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 supersession (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 supersession 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 FUNDING MORTGAGE SECURITIES I, INC. Mortgage Pass-Through Certificates Series ________ ______________, _________ [Trustee] 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 Series Supplement, dated as of ________________, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Servicing Agreement"), among Residential Funding Mortgage Securities I, Inc. (the "Company"), Residential Funding and __________ (the "Trustee") as amended by Amendment No. thereto, dated as of , with respect to the Mortgage 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: [Trustee], as Trustee By: ------------------------------------ Name: ------------------------------------ Title: ------------------------------------ RESIDENTIAL FUNDING MORTGAGE SECURITIES I, INC. By: ------------------------------------ Name: ------------------------------------ Title: ------------------------------------ EXHIBIT M FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN ___________ , 20 ____ Residential Funding Mortgage Securities I, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 [Trustee] Attention: Residential Funding Corporation Series ________ Re: Mortgage 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 Series Supplement, dated as of ________________, to the Standard Terms of Pooling and Servicing Agreement dated as of ________________ (together, the "Pooling and Servicing Agreement") among Residential Funding Mortgage Securities I, 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: 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; 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; 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 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] Bank One, National Association 1 Bank One Plaza Suite IL1-0126 Chicago, Illinois 60670-0126 Re: Residential Funding Mortgage Securities I, Inc. Mortgage Pass-Through Certificates, Series [________] Residential Funding Corporation, as the Holder of a ____% Percentage Interest of the [Class/Subclass] of Class A-V Certificates, hereby requests the Trustee to exchange the above-referenced Certificates for the Subclasses referred to below: 1. 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 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 Class A-V Certificates surrendered for exchange. The capitalized terms used but not defined herein shall have the meanings set forth in the Pooling and Servicing Agreement, dated as of _______, among Residential Funding Mortgage Securities I, Inc., Residential Funding Corporation and Bank One National Association , as trustee. RESIDENTIAL FUNDING CORPORATION By: -------------------------------- Name: ------------------------------ Title: ----------------------------- EXHIBIT FIVE CERTIFICATE POLICY OF MBIA INSURANCE CORPORATION CERTIFICATE GUARANTY INSURANCE POLICY OBLIGATIONS: RFMSI Series 2001-S14 Trust POLICY NUMBER: 35627 Mortgage Pass-Through Certificates, Series 2001-S14 $25,932,000 6.75% Class A-3 Certificates MBIA Insurance Corporation (the "Insurer"), in consideration of the payment of the premium and subject to the terms of this Certificate Guaranty Insurance Policy (this "Policy"), hereby unconditionally and irrevocably guarantees to any Owner that an amount equal to each full and complete Insured Payment will be received from the Insurer by Bank One, National Association, or its successors, as trustee for the Owners (the "Trustee"), on behalf of the Owners, for distribution by the Trustee to each Owner of each Owner's proportionate share of the Insured Payment. The Insurer's obligations hereunder with respect to a particular Insured Payment shall be discharged to the extent funds equal to the applicable Insured Payment are received by the Trustee, whether or not such funds are properly applied by the Trustee. Insured Payments shall be made only at the time set forth in this Policy, and no accelerated Insured Payments shall be made regardless of any acceleration of the Obligations, unless such acceleration is at the sole option of the Insurer. This Policy does not provide credit enhancement for any Class of Certificates other than the Class A-3 Certificates. Notwithstanding the foregoing paragraph, this Policy does not cover shortfalls, if any, attributable to the liability of the Trust Fund, any REMIC or the Trustee for withholding taxes, if any (including interest and penalties in respect of any such liability). The Insurer will pay any Insured Payment that is a Preference Amount on the Business Day following receipt on a Business Day by the Fiscal Agent (as described below) of (a) a certified copy of the order requiring the return of a preference payment, (b) an opinion of counsel satisfactory to the Insurer that such order is final and not subject to appeal, (c) an assignment in such form as is reasonably required by the Insurer, irrevocably assigning to the Insurer all rights and claims of the Owner relating to or arising under the Obligations against the debtor which made such preference payment or otherwise with respect to such preference payment and (d) appropriate instruments to effect the appointment of the Insurer as agent for such Owner in any legal proceeding related to such preference payment, such instruments being in a form satisfactory to the Insurer, provided that if such documents are received after 12:00 noon, New York City time, on such Business Day, they will be deemed to be received on the following Business Day. Such payments shall be disbursed to the receiver or trustee in bankruptcy named in the final order of the court exercising jurisdiction on behalf of the Owner and not to any Owner directly unless such Owner has returned principal or interest paid on the Obligations to such receiver or trustee in bankruptcy, in which case such payment shall be disbursed to such Owner. The Insurer will pay any other amount payable hereunder no later than 12:00 noon, New York City time, on the later of the Distribution Date on which the related Deficiency Amount is due -1- or the first Business Day following receipt in New York, New York on a Business Day by State Street Bank and Trust Company, N.A., as Fiscal Agent for the Insurer, or any successor fiscal agent appointed by the Insurer (the "Fiscal Agent"), of a Notice (as described below), provided that if such Notice is received after 12:00 noon, New York City time, on such Business Day, it will be deemed to be received on the following Business Day. If any such Notice received by the Fiscal Agent is not in proper form or is otherwise insufficient for the purpose of making claim hereunder, it shall be deemed not to have been received by the Fiscal Agent for purposes of this paragraph, and the Insurer or the Fiscal Agent, as the case may be, shall promptly so advise the Trustee and the Trustee may submit an amended Notice. Insured Payments due hereunder, unless otherwise stated herein, will be disbursed by the Fiscal Agent to the Trustee on behalf of the Owners by wire transfer of immediately available funds in the amount of the Insured Payment less, in respect of Insured Payments related to Preference Amounts, any amount held by the Trustee for the payment of such Insured Payment and legally available therefor. The Fiscal Agent is the agent of the Insurer only, and the Fiscal Agent shall in no event be liable to Owners for any acts of the Fiscal Agent or any failure of the Insurer to deposit, or cause to be deposited, sufficient funds to make payments due under this Policy. Subject to the terms of the Agreement, the Insurer will be subrogated to the rights of each Owner to receive payment under Obligations to the extent of any payment by the Insurer under this Policy. As used herein, the following terms shall have the following meanings: "Agreement" means the Series Supplement dated as of June 1, 2001 among Residential Funding Mortgage Securities I, Inc., as Depositor, Residential Funding Corporation, as Master Servicer, and the Trustee, as trustee, together with the Standard Terms of Pooling and Servicing Agreement dated as of June 1, 2001 without regard to any amendment or supplement thereto, unless such amendment or supplement has been approved in writing by the Insurer. "Business Day" means any day other than (a) a Saturday or a Sunday (b) a day on which the Insurer is closed or (c) a day on which banking institutions in New York City or in the city in which the corporate trust office of the Trustee under the Agreement is located are authorized or obligated by law or executive order to close. "Deficiency Amount" means, with respect to the Class A-3 Certificates as of any Distribution Date, (i) any interest shortfall allocated to the Class A-3 Certificates, except for any Prepayment Interest Shortfalls allocated to the Class A-3 Certificates that were not offset by the Master Servicer and were otherwise covered by the Reserve Fund, (ii) the principal portion of any Realized Losses allocated to the Class A-3 Certificates and (iii) the Certificate Principal Balance of the Class A-3 Certificates to the extent unpaid on the Scheduled Final Distribution Date. "Insured Payment" means (a) as of any Distribution Date, any Deficiency Amount and (b) any Preference Amount. -2- "Notice" means the telephonic or telegraphic notice, promptly confirmed in writing by facsimile substantially in the form of Exhibit A attached hereto, the original of which is subsequently delivered by registered or certified mail, from the Trustee specifying the Insured Payment which shall be due and owing on the applicable Distribution Date. "Owner" means each Holder (as defined in the Agreement) who, on the applicable Distribution Date, is entitled under the terms of the applicable Class A-3 Certificateholder to payment thereunder. "Preference Amount" means any amount previously distributed to an Owner on the Obligations that is recoverable and sought to be recovered as a voidable preference by a trustee in bankruptcy pursuant to the United States Bankruptcy Code (11 U.S.C.), as amended from time to time in accordance with a final nonappealable order of a court having competent jurisdiction. Capitalized terms used herein and not otherwise defined herein shall have the respective meanings set forth in the Agreement as of the date of execution of this Policy, without giving effect to any subsequent amendment to or modification of the Agreement unless such amendment or modification has been approved in writing by the Insurer. Any notice hereunder or service pf process on the Fiscal Agent may be made at the address listed below for the Fiscal Agent or such other address as the Insurer shall specify in writing to the Trustee. The notice address of the Fiscal Agent is 15th Floor, 61 Broadway, New York, New York 10006, Attention: Municipal Registrar and Paying Agency, or such other address as the Fiscal Agent shall specify to the Trustee in writing. THIS POLICY IS BEING ISSUED UNDER AND PURSUANT TO, AND SHALL BE CONSTRUED UNDER, THE LAWS OF THE SATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE CONFLICT OF LAWS PRINCIPLES THEREOF. The insurance provided by this Policy is not covered by the Property/Casualty Insurance Security Fund specified in Article 76 of the New York Insurance Law. This Policy is not cancelable for any reason. The premium on this Policy is not refundable for any reason, including payment, or provision being made for payment, prior to maturity of the Obligations. -3- IN WITNESS WHEREOF, the Insurer has caused this Policy to be executed and attested this 28th day of June, 2001. MBIA INSURANCE CORPORATION President Attest: _______________________ Assistant Secretary -4- EXHIBIT A TO CERTIFICATE GUARANTY INSURANCE POLICY NUMBER 35627 NOTICE UNDER CERTIFICATE GUARANTY INSURANCE POLICY NUMBER 35627 State Street Bank and Trust Company, N.A., as Fiscal Agent for MBIA Insurance Corporation 15th Floor 61 Broadway New York, NY 10006 Attention: Municipal Registrar and Paying Agency MBIA Insurance Corporation 113 King Street Armonk, NY 10504 The undersigned, a duly authorized officer of [Name Of Trustee], as trustee (the "Trustee"), hereby certifies to State Street Bank and Trust Company, N.A. (the "Fiscal Agent") and MBIA Insurance Corporation (the "Insurer"), with reference to Certificate Guaranty Insurance Policy Number: 35627 (the "Policy") issued by the Insurer in respect of the RFMSI Series 2001-S14 Trust Mortgage Pass-Through Certificates, Series 2001-S14 $25,932,000 6.75% Class A-3 Certificates (the "Obligations"), that: (a) the Trustee is the trustee under the Series Supplement dated as of June 1, 2001 among Residential Funding Mortgage Securities I, Inc., as Depositor, Residential Funding Corporation, as Master Servicer, and the Trustee, as trustee for the owners, together with the Standard Terms of Pooling and Servicing Agreement dated as of June 1, 2001; (b) the amount due under clause (i) of the definition of Deficiency Amount for the Distribution Date occurring on [__________] the "Applicable Distribution Date") is $[_______________]; (c) the amount due under clause (ii) of the definition of Deficiency Amount for the Applicable Distribution Date is $[__________]; (d) the amount due under clause (iii) of the definition of Deficiency Amount for the Applicable Distribution Date is $[__________]; (e) the sum of the amounts listed in paragraphs (b), (c) and (d) above is $[__________] (the "Deficiency Amount"); -5- (f) the amount of previously distributed payments on the Obligations that is recoverable and sought to be recovered as a voidable preference by a trustee in bankruptcy pursuant to the Bankruptcy Code in accordance with a final nonappealable order of a court having competent jurisdiction is $[__________] (the "Preference Amount"); (g) the total Insured Payment due is $[__________], which amount equals the sum of the Deficiency Amount and the Preference Amount; (h) the Trustee is making a claim under and pursuant to the terms of the Policy for the dollar amount of the Insured Payment set forth in (e) above to be applied to the payment of the Deficiency Amount for the Applicable Distribution Date in accordance with the Agreement and for the dollar amount of the Insured Payment set forth in (f) above to be applied to the payment of any Preference Amount; and (i) the Trustee directs that payment of the Insured Payment be made to the following account by bank wire transfer of federal or other immediately available funds in accordance with the terms of the Policy: [TRUSTEE'S ACCOUNT NUMBER]. Any capitalized term used in this Notice and not otherwise defined herein shall have the meaning assigned thereto in the Policy. Any Person Who Knowingly And With Intent To Defraud Any Insurance Company Or Other Person Files An Application For Insurance Or Statement Of Claim Containing Any Materially False Information, Or Conceals For The Purpose Of Misleading, Information Concerning Any Fact Material Thereto, Commits A Fraudulent Insurance Act, Which Is A Crime, And Shall Also Be Subject To A Civil Penalty Not To Exceed Five Thousand Dollars And The Stated Value Of The Claim For Each Such Violation. IN WITNESS WHEREOF, the Trustee has executed and delivered this Notice under the Policy as of the [_____] day of [__________], [____]. [NAME OF TRUSTEE], as Trustee By _____________________ Title _________________ -6-