-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, Ko/eo7rBbPvTt+/cmzCugHuxdfJ6hgIqfbYR4dFWDP9sPCVLusqQmbixsYDfZQqP 0s0SbNVK9+htpzk8l113Nw== 0000903423-98-000012.txt : 19980115 0000903423-98-000012.hdr.sgml : 19980115 ACCESSION NUMBER: 0000903423-98-000012 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 19971230 ITEM INFORMATION: ITEM INFORMATION: FILED AS OF DATE: 19980114 SROS: NONE FILER: COMPANY DATA: COMPANY CONFORMED NAME: GE CAPITAL MORTGAGE SERVICES INC CENTRAL INDEX KEY: 0000792428 STANDARD INDUSTRIAL CLASSIFICATION: ASSET-BACKED SECURITIES [6189] IRS NUMBER: 210627285 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: SEC FILE NUMBER: 033-05042 FILM NUMBER: 98506400 BUSINESS ADDRESS: STREET 1: THREE EXECUTIVE CAMPUS STREET 2: P O BOX 5260 CITY: CHERRY HILL STATE: NJ ZIP: 08002 BUSINESS PHONE: 6096616100 MAIL ADDRESS: STREET 1: THREE EXECUTIVE CAMPUS STREET 2: P O BOX 5260 CITY: CHERRY HILL STATE: NJ ZIP: 08034 FORMER COMPANY: FORMER CONFORMED NAME: TRAVELERS MORTGAGE SERVICES INC DATE OF NAME CHANGE: 19901101 8-K 1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) December 30, 1997 GE CAPITAL MORTGAGE SERVICES, INC. (as Seller and Servicer under the Pooling and Servicing Agreement, dated as of December 1, 1997, providing for the issuance of Home Equity Loan Pass-Through Certificates, Series 1997-HE4) GE Capital Mortgage Services, Inc. (Exact name of registrant as specified in its charter) New Jersey 33-5042 21-0627285 - ------------------------------------------------------------------------ (State or other (Commission (I.R.S. Employer jurisdiction File Number) Identification No.) of incorporation) Three Executive Campus Cherry Hill, New Jersey 08002 (Address of Principal Executive Office) (Zip Code) Registrant's telephone number, including area code (609) 661-6100 ITEM 2. ACQUISITION OR DISPOSITION OF ASSETS General. On December 30, 1997 GE Capital Mortgage Services, Inc., ("GECMSI") offered to investors certain classes of its Home Equity Loan Pass-Through Certificates, Series 1997-HE4 (the "Certificates") evidencing beneficial ownership interests in a trust fund (the "Trust Fund"). The assets of the Trust Fund consist primarily of a pool (the "Mortgage Pool") of closed-end, fixed-rate, home equity loans (the "Mortgage Loans") secured by first or second liens on one- to four-family residential properties (the "Mortgaged Properties"). Capitalized terms used herein and not otherwise defined shall have the meanings assigned to them in the Prospectus dated December 17, 1997 as supplemented by the Prospectus Supplement dated December 22, 1997. The original principal balance of each Class of the Certificates is as follows: Class A1 $56,900,000.00 Class A2 $20,000,000.00 Class A3 $30,000,000.00 Class A4 $10,000,000.00 Class A5 $13,400,000.00 Class A6 $23,411,000.00 Class A7 $17,063,000.00 Class R1 $500.00 Class R2 $500.00 Class M $4,654,000.00 Class B1 $4,189,000.00 Class B2 $1,862,000.00 Class S (1) ----------------- Total $181,480,000.00 ----------------- (1) The Class S has an original Notional Principal Balance equal to $186,134,461.31 The initial Junior Percentage and Senior Percentage of the Certificates are approximately 8.25% and 91.75%, respectively. The Bankruptcy Loss Amount, the Fraud Loss Amount and the Special Hazard Loss Amount, as of the initial issuance of the Certificates, are approximately $50,000, $3,722,689 and $1,861,345, respectively, representing approximately 0.03%, 2.00% and 1.00%, respectively, of the aggregate Scheduled Principal Balances of the Mortgage Loans as of December 1, 1997 (the "Cut-off Date"). The Mortgage Loans accrue interest on a simple interest basis (the "Simple Interest Mortgage Loans") or a self-amortizing basis (the "Self-Amortizing Mortgage Loans"). Approximately 98.04% of the Mortgage Loans are Self-Amortizing Mortgage Loans, and approximately 1.96% of the Mortgage Loans are Simple Interest Mortgage Loans, in each case by Principal Balance as of the Cut-off Date. 2 The Mortgage Rates borne by the Mortgage Loans range from approximately 7.125% to 14.500% per annum, and the weighted average of the Mortgage Rates as of the Cut-off Date for the Mortgage Loans is approximately 9.474% per annum. The original principal balances of the Mortgage Loans range from approximately $4,890.00 to $384,300.00 and, as of the Cut-off Date, the average Principal Balance of the Mortgage Loans is approximately $65,609.61 after application of payments made before the Cut-off Date. The month and year of the earliest origination date of any Mortgage Loan is September 1992, and the month and year of the latest scheduled maturity date of any such Mortgage Loan is November 2027. All of the Mortgage Loans have original terms to maturity of approximately 5 years to 30 years. The remaining months to stated maturity for the Mortgage Loans as of the Cut-off Date range from approximately 51 months to 359 months and the weighted average remaining months to stated maturity of the Mortgage Loans as of the Cut-off Date is approximately 227 months. Approximately 28.81% of the Mortgage Loans are Balloon Loans. The weighted average remaining term to stated maturity of the Balloon Loans is approximately 177 months. The Home Equity Loan-to-Value Ratios of the Mortgage Loans at origination range from approximately 3.85% to 90.00%, and the weighted average of the Home Equity Loan-to-Value Ratios of the Mortgage Loans at origination is approximately 71.98%. The Second-Lien Combined Loan-to-Value Ratio of the second-lien Mortgage Loans at origination range from approximately 15.58% to 90.00%, and the weighted average of the Second-Lien Combined Loan-to-Value Ratios of such Mortgage Loans at origination is approximately 71.85%. No more than approximately 0.50% of the Mortgage Loans will be secured by Mortgaged Properties located in any one postal zip code area. No more than approximately 1.50% of the Mortgage Loans have been originated under the NIV program. Approximately 5.57% of the Mortgage Loans will be "Consumer Direct" loans originated by the Company with borrowers who currently have loans serviced by the Company. In addition, no more than approximately 3.97% of the Mortgage Loans have been originated under the Streamlined Portfolio program. Set forth below is a description of certain additional characteristics of the Mortgage Pool and the Mortgage Loans included therein (the sum of the balances may not equal 100% due to rounding) : Cut-off Date Principal Balances - ------------------------------------------------------------------------------ Range of Cut-off Date Number of Cut-off Date Percentage of Cut-off Principal Balances Mortgage Loans Principal Balance Date Aggregate Principal Balance - ------------------------------------------------------------------------------ $ 00.00 - 10,000.00 27 $225,745.10 0.12% 10,000.01 - 20,000.00 237 $3,820,506.20 2.05% 20,000.01 - 30,000.00 307 $7,955,568.72 4.27% 30,000.01 - 40,000.00 294 $10,399,506.55 5.59% 40,000.01 - 50,000.00 348 $15,805,911.61 8.49% 50,000.01 - 60,000.00 333 $18,486,944.00 9.93% 60,000.01 - 75,000.00 395 $26,610,962.96 14.30% 75,000.01 - 100,000.00 445 $38,604,992.72 20.74% 100,000.01 - 150,000.00 325 $39,080,718.14 21.00% 150,000.01 - 200,000.00 84 $14,448,330.15 7.76% 200,000.01 - 250,000.00 24 $5,311,765.40 2.85% 250,000.01 - 300,000.00 11 $3,012,298.84 1.62% 300,000.01 - 350,000.00 5 $1,603,710.92 0.86% 350,000.01 - 400,000.00 2 $767,500.00 0.41% --------------------------------------------------------- Total 2,837 $186,134,461.31 100.00% ========================================================= 3 Mortgage Rates - ------------------------------------------------------------------------------- Range of Number of Cut-off Date Percentage of Cut-off Date Mortgage Rates Mortgage Loans Principal Balance Aggregate Principal Balance - ------------------------------------------------------------------------------- 0.000 - 7.500% 6 $688,025.82 0.37% 7.501 - 8.000 46 $3,954,395.43 2.12% 8.001 - 8.500 333 $27,218,655.78 14.62% 8.501 - 9.000 636 $46,259,152.03 24.85% 9.001 - 9.500 348 $23,999,777.76 12.89% 9.501 - 10.000 743 $41,772,083.93 22.44% 10.001 - 10.500 306 $17,508,180.67 9.41% 10.501 - 11.000 251 $15,084,663.98 8.10% 11.001 - 11.500 62 $3,887,992.24 2.09% 11.501 - 12.000 54 $2,958,147.75 1.59% 12.001 - 12.500 19 $1,096,189.05 0.59% 12.501 - 13.000 20 $1,067,106.89 0.57% 13.001 - 13.500 5 $379,357.71 0.20% 13.501 - 14.000 6 $225,868.17 0.12% 14.001 - 15.000 2 $34,864.10 0.02% ------------------------------------------------------------ Total 2,837 $186,134,461.31 100.00% ============================================================ 4 Geographic Distribution of Mortgaged Properties - ------------------------------------------------------------------------------ Number of Cut-off Date Percentage of Cut-off Date State Mortgage Loans Principal Balance Aggregate Principal Balance - ------------------------------------------------------------------------------ Alabama 106 $5,868,224.55 3.15% Arizona 18 $907,483.47 0.49% Arkansas 9 $512,802.44 0.28% California 58 $3,076,680.88 1.65% Colorado 71 $4,843,547.17 2.60% Connecticut 60 $5,854,218.99 3.15% Delaware 10 $884,844.78 0.48% District of Columbia 29 $1,984,256.94 1.07% Florida 416 $22,467,730.09 12.07% Georgia 65 $3,538,019.56 1.90% Hawaii 1 $79,601.59 0.04% Idaho 3 $132,670.40 0.07% Illinois 176 $11,279,228.27 6.06% Indiana 127 $7,021,897.53 3.77% Iowa 10 $544,610.34 0.29% Kansas 2 $135,135.70 0.07% Kentucky 16 $1,266,238.56 0.68% Louisiana 17 $984,907.01 0.53% Maine 2 $33,659.57 0.02% Maryland 128 $9,232,342.29 4.96% Massachusetts 79 $5,637,635.25 3.03% Michigan 88 $6,139,398.13 3.30% Minnesota 23 $1,722,199.69 0.93% Mississippi 2 $85,650.00 0.05% Missouri 25 $2,237,931.16 1.20% Montana 1 $125,000.00 0.07% Nebraska 20 $1,107,998.18 0.60% Nevada 4 $306,313.51 0.16% New Hampshire 4 $329,442.37 0.18% New Jersey 185 $16,418,522.81 8.82% New Mexico 53 $2,059,091.47 1.11% New York 278 $20,108,148.21 10.80% North Carolina 155 $9,252,764.62 4.97% Ohio 183 $12,599,151.94 6.77% Oklahoma 14 $557,071.05 0.30% Oregon 28 $1,740,524.43 0.94% Pennsylvania 104 $6,715,806.55 3.61% Rhode Island 29 $1,856,056.46 1.00% South Carolina 56 $3,262,235.92 1.75% Tennessee 36 $2,378,837.23 1.28% Texas 3 $298,980.71 0.16% Utah 24 $1,808,133.18 0.97% Vermont 2 $87,980.06 0.05% Virginia 83 $6,389,796.01 3.43% Washington 11 $600,948.92 0.32% West Virginia 3 $262,249.98 0.14% Wisconsin 11 $683,842.40 0.37% Wyoming 9 $714,650.94 0.38% ---------------------------------------------------------------- Total 2,837 $186,134,461.31 100.00% ================================================================ 5 Priority of Mortgage Loans - ------------------------------------------------------------------------------- Number of Cut-off Date Percentage of Cut-off Date Priority Mortgage Loans Principal Balance Aggregate Principal Balance - ------------------------------------------------------------------------------- First-priority 2,258 $169,285,529.49 90.95% Second-priority 579 $16,848,931.82 9.05% ------------------------------------------------------------ Total 2,837 $186,134,461.31 100.00% ============================================================ Year of Origination - ------------------------------------------------------------------------------- Year of Number of Cut-off Date Percentage of Cut-off Date Origination Mortgage Loans Principal Balance Aggregate Principal Balance =============================================================================== 1997 2,829 $185,819,614.47 99.83% 1996 3 $112,994.47 0.06% 1995 1 $26,687.17 0.01% 1994 3 $131,970.15 0.07% 1992 1 $43,195.05 0.02% -------------------------------------------------------------- Total 2,837 $186,134,461.31 100.00% ============================================================== Months Remaining to Stated Maturity as of the Cut-off Date - ------------------------------------------------------------------------------- Number of Months Remaining to Number of Cut-off Date Percentage of Cut-off Date Stated Maturity Mortgage Loans Principal Balance Aggregate Principal Balance - ------------------------------------------------------------------------------- 36 - 59 36 $644,246.92 0.35% 60 - 83 7 $271,475.27 0.15% 84 - 107 4 $107,367.12 0.06% 108 - 131 253 $8,467,575.86 4.55% 132 - 155 15 $1,007,485.28 0.54% 156 - 179 1,374 $91,259,580.31 49.03% 180 - 239 645 $44,218,556.34 23.76% 240 & Above 503 $40,158,174.21 21.57% ------------------------------------------------------------ Total 2,837 $186,134,461.31 100.00% ============================================================ 6 Types of Mortgaged Properties (1) - ------------------------------------------------------------------------------- Number of Cut-off Date Percentage of Cut-off Date Property Type Mortgage Loans Principal Balance Aggregate Principal Balance - ------------------------------------------------------------------------------- Single-family detached(1) 2,558 $167,787,146.29 90.14% Single-family attached 118 $6,614,468.32 3.56% 2 - 4 family 138 $10,499,338.75 5.64% Condo 23 $1,233,507.95 0.66% ----------------------------------------------------------- Total 2,837 $186,134,461.31 100.00% =========================================================== (1) Approximately 4.06% of the single-family detached units will be manufactured homes. Use of Mortgaged Properties (1)(2) - ------------------------------------------------------------------------------- Number of Cut-off Date Percentage of Cut-off Date Use Mortgage Loans Principal Balance Aggregate Principal Balance - ------------------------------------------------------------------------------- Primary residence 2,755 $182,167,460.78 97.87% Non-primary residence(2) 82 $3,967,000.53 2.13% ----------------------------------------------------------- Total 2,837 $186,134,461.31 100.00% =========================================================== (1) Based on information supplied by the Mortgagor in the loan application. (2) The Company believes that the majority of the non-primary residences are investment properties. Second-Lien Combined Loan-to-Value Ratio (1) (2) (for Second-Lien Mortgage Loans) - ------------------------------------------------------------------------------- Range of Number of Mortgage Cut-off Date Percentage of Cut-off Date Combined Loans in a Second- Principal Balance Aggregate Principal Balance Loan-to-Value Lien Position in a Second-Lien Position Ratios - ------------------------------------------------------------------------------- 10.01 - 20.00% 2 $46,610.74 0.28% 20.01 - 30.00 4 $63,736.73 0.38% 30.01 - 40.00 16 $411,607.66 2.44% 40.01 - 50.00 25 $626,486.40 3.72% 50.01 - 60.00 43 $1,308,094.74 7.76% 60.01 - 70.00 110 $2,935,064.39 17.42% 70.01 - 75.00 86 $2,487,237.82 14.76% 75.01 - 80.00 175 $5,588,795.89 33.17% 80.01 - 85.00 111 $3,176,543.58 18.85% 85.01 - 90.00 7 $204,753.87 1.22% ------------------------------------------------------------- Total 579 $16,848,931.82 100.00% ============================================================= (1) The "Second-Lien Combined Loan-to-Value Ratio" of a second-lien Mortgage Loan is the ratio (expressed as a percentage) that the sum of the original principal balance of such Mortgage Loan and the then current principal balance of the related first-lien mortgage loan, bears to the appraised value of the related Mortgaged Property at the time such Mortgage Loan was originated (or if the proceeds of such Mortgage Loan were used to refinance an existing mortgage, the appraised value based on a recent appraisal). (2) The weighted average of the Second-Lien Combined Loan-to-Value Ratio for second-lien Mortgage Loans is approximately 71.85%. 7 Home Equity Loan-to-Value Ratio (1) (2) - ------------------------------------------------------------------------------- Cut-off Percentage of Range of Home Number of Date Cut-off Date Equity Loan- Mortgage Principal Aggregate to-Value Ratios Loans Balance Principal Balance - ------------------------------------------------------------------------------- 0.00 - 10.00% 70 $1,141,241.72 0.61% 10.01 - 20.00 278 $6,417,877.40 3.45% 20.01 - 30.00 189 $6,513,685.63 3.50% 30.01 - 40.00 112 $4,823,337.94 2.59% 40.01 - 50.00 125 $6,127,019.92 3.29% 50.01 - 60.00 143 $8,283,579.75 4.45% 60.01 - 70.00 265 $16,109,070.48 8.65% 70.01 - 75.00 177 $12,573,138.43 6.75% 75.01 - 80.00 901 $76,046,605.30 40.86% 80.01 - 85.00 262 $20,470,520.26 11.00% 85.01 - 90.00 315 $27,628,384.48 14.84% ------------------------------------------------------------- Total 2,837 $186,134,461.31 100.00% ============================================================= (1) The "Home Equity Loan-to-Value Ratio" of a Mortgage Loan is the ratio (expressed as a percentage) that the original principal balance of such Mortgage Loan bears to the appraised value (or, with respect to approximately 4.23% of the Mortgage Loans, the lesser of (i) the appraised value or (ii) the selling price) of the related Mortgaged Property at the time such Mortgage Loan was originated (or if the proceeds of such Mortgage Loan were used to refinance an existing mortgage, the appraised value based on a recent appraisal). (2) The weighted average of the Home Equity Loan-to-Value Ratios for the Mortgage Loans is approximately 71.98%. The weighted average of the Home Equity Loan-to-Value Ratios for the first-lien Mortgage Loans and the second-lien Mortgage Loans is approximately 76.68% and 24.79%, respectively. 8 Home Equity Loan Ratio (1) (2) (for second-lien Mortgage Loans) - ------------------------------------------------------------------------------- Number of Percentage of Cut-off Date Range of Mortgage Loans Cut-off Date Aggregate Principal Balance Home Equity in a Second- Principal of Mortgage Loans in a Loan Ratios Lien Position Balance Second-Lien Position - ------------------------------------------------------------------------------- 0 - 10.00% 12 $172,677.98 1.02% 10.01 - 20.00 161 $2,963,661.53 17.59% 20.01 - 30.00 166 $4,615,817.99 27.40% 30.01 - 40.00 118 $4,092,604.03 24.29% 40.01 - 50.00 57 $2,280,557.39 13.54% 50.01 - 60.00 25 $1,032,215.29 6.13% 60.01 - 70.00 17 $709,003.89 4.21% 70.01 - 75.00 8 $304,800.37 1.81% 75.01 - 80.00 4 $194,622.60 1.16% 80.01 - 85.00 3 $146,464.13 0.87% 85.01 - 90.00 7 $269,334.00 1.60% 90.01 - 100.00 1 $67,172.62 0.40% -------------------------------------------------- 579 $16,848,931.82 100.00% ================================================== (1) The "Home Equity Loan Ratio" of a second-lien Mortgage Loan is the ratio (expressed as a percentage) that the original principal balance of such Mortgage Loan bears to the total of the original principal balance of such Mortgage Loan plus the outstanding amount of the related first-lien Mortgage Loan at the time such Mortgage Loan was originated. (2) The weighted average of the Home Equity Loan Ratios of the second-lien Mortgage Loans is approximately 35.19%. Loan Type - ------------------------------------------------------------------------------- Percentage of Cut-off Date Cut-off Date Number of Principal Aggregate Type Mortgage Loans Balance Principal Balance - ------------------------------------------------------------------------------- Fully amortizing 2,252 $132,515,523.37 71.19% Balloon 585 $53,618,937.94 28.81% ---------------------------------------------------------- Total 2,837 $186,134,461.31 100.00% ========================================================== Months Remaining to Stated Maturity as of the Cut-off Date (for Balloon Loans) - ------------------------------------------------------------------------------- Number of Months Percentage of Cut-off Remaining to Stated Number of Cut-off Date Date Aggregate Maturity as of Cut-off Balloon Mortgage Principal Principal Balance Date Loans Balance of Balloon Loans - ------------------------------------------------------------------------------- 132 - 155 1 $66,060.58 0.12% 156 - 180 584 $53,552,877.36 99.88% ---------------------------------------------------------- Total 585 $53,618,937.94 100.00% ========================================================== 9 ITEM 7 FINANCIAL STATEMENTS, PRO FORMA FINANCIAL STATEMENTS AND EXHIBITS 1.1 The Underwriting Agreement for the Series 1997-HE4 Certificates dated September 24, 1996, as modified and supplemented by the related terms agreement dated December 22, 1997, between GE Capital Mortgage Services, Inc., and Prudential Securities Incorporated. 4.1 The Pooling and Servicing Agreement for the Series 1997-HE4 Certificates dated as of December 1, 1997 between GE Capital Mortgage Services, Inc., as seller and servicer, and The First National Bank of Chicago, as trustee. 10 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. GE Capital Mortgage Services, Inc. By: /s/ Syed W. Ali -------------------------- Name: Syed W. Ali Title: Vice President Dated as of December 30, 1997 11 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. GE Capital Mortgage Services, Inc. By: ___________________________ Name: Syed W. Ali Title: Vice President Dated as of December 30, 1997 12 EXHIBIT INDEX The exhibits are being filed herewith: - ------------------------------------------------------------------------------- EXHIBIT NO. DESCRIPTION PAGE - ------------------------------------------------------------------------------- 1.1 The Underwriting Agreement dated September 24, 1996, as modified and supplemented by the related terms agreement dated December 22, 1997 between GE Capital Mortgage Services, Inc., and Prudential Securities Incorporated. 4.1 The Pooling and Servicing Agreement for the Series 1997-HE4 Certificates dated as of December 1, 1997 between GE Capital Mortgage Services, Inc., as seller and servicer, and The First National Bank of Chicago, as trustee. - ------------------------------------------------------------------------------- 13 EX-1.1 2 EXECUTION GE CAPITAL MORTGAGE SERVICES, INC. PASS-THROUGH CERTIFICATES (Issuable in Series) UNDERWRITING AGREEMENT Prudential Securities Incorporated New York, New York One New York Plaza September 24, 1996 New York, New York 10292 Ladies and Gentlemen: GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"), may offer for sale from time to time its Pass-Through Certificates evidencing interests in pools of mortgage loans (the "Certificates"). The Certificates may be issued in various series, and within each series, in one or more classes, in one or more offerings on terms determined at the time of sale (each such series, a "Series" and each such class, a "Class"). Each Series of the Certificates will be issued under a separate Pooling and Servicing Agreement (each, a "Pooling and Servicing Agreement") to be dated as of the respective cut-off date (each, a "Cut-off Date") between the Company, as seller and servicer, and the trustee named therein (the "Trustee"). Capitalized terms used but not defined herein shall have the meanings given to them in the related Pooling and Servicing Agreement. The Certificates issued under each Pooling and Servicing Agreement will represent the entire beneficial ownership interest in a trust fund (the "Trust Fund") established by such Pooling and Servicing Agreement. The assets of each Trust Fund will consist primarily of a pool of closed end, fixed rate, first- or second-lien, home equity mortgage loans (the "Mortgage Loans") having the original terms to maturity, interest rate types and amortization characteristics specified in the related Terms Agreement referred to hereinbelow. If specified in the related Prospectus Supplement, the Certificates will have the benefit of a Supplemental Agreement, dated as of the respective Cut-off Date (the "Supplemental Agreement"), among the Company, General Electric Capital Corporation ("GECC") and the Trustee. If so specified in the related Terms Agreement, one or more elections may be made to treat the assets of each Trust Fund as a real estate mortgage investment conduit (each, a "REMIC") for federal income tax purposes. Underwritten offerings of Certificates may be made through you or through an underwriting syndicate managed by you. The Company proposes to sell one or more Series of the Certificates to you and to each of the other several underwriters, if any, participating in an underwriting syndicate managed by you. It is understood, however, that the Company may elect to retain, through the execution of one or more underwriting agreements in addition to this Agreement, one or more additional underwriters other than you to underwrite, or manage the underwriting syndicate with respect to, any offering of one or more Series of its Certificates. Whenever the Company determines to make an offering of Certificates (each, a "Certificate Offering") pursuant to this Agreement through you, it will enter into an agreement with you (the "Terms Agreement") providing for the sale of specified Classes of Offered Certificates (as defined below) to, and the purchase and public offering thereof by, you and such other underwriters, if any, selected by you as have authorized you to enter into such Terms Agreement on their behalf (the underwriters designated in any such Terms Agreement being referred to herein as "Underwriters," which term shall include you whether acting alone in the sale of any Offered Certificates of any series or as a member of an underwriting syndicate). Each such Certificate Offering which the Company elects to make pursuant to this Agreement shall be governed by this Agreement, as supplemented by the related Terms Agreement, and this Agreement and such Terms Agreement shall inure to the benefit of and be binding upon each underwriter participating in the offering of such Offered Certificates. Each Terms Agreement, which shall be substantially in the form of Exhibit A hereto, shall specify, among other things, the Classes of Certificates to be purchased by the Underwriters (the "Offered Certificates"), the principal balance or balances of the Offered Certificates, each subject to any stated variance, the names of the Underwriters participating in such offering (subject to substitution as provided in Section 12 hereof) and the price or prices at which such Offered Certificates are to be purchased by the Underwriters from the Company. 1. Representations and Warranties. (a) The Company represents and warrants to and agrees with the Underwriters, as of the date of the related Terms Agreement, that: (i) The registration statement specified in the related Terms Agreement, on Form S-3, including a prospectus, has been filed with the Securities and Exchange Commission (the "Commission") for the registration under the Securities Act of 1933, as amended (the "Act"), of pass-through certificates issuable in series, which registration statement has been declared effective by the Commission. Such - 2 - registration statement, as amended to the date of the related Terms Agreement, including any documents incorporated by reference therein pursuant to Item 12 of Form S-3 under the Act which were filed under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), on or before the effective date of the Registration Statement, is hereinafter called the "Registration Statement," and such prospectus, as such prospectus is supplemented by a prospectus supplement relating to the Offered Certificates of the related Series, each in the form first filed after the date of the related Terms Agreement pursuant to Rule 424(b) under the Act, including any documents incorporated by reference therein pursuant to Item 12 of Form S-3 under the Act which were filed under the Exchange Act on or before the date of such Prospectus Supplement (other than any such incorporated documents that relate to Collateral Term Sheets (as defined herein)) (such prospectus supplement, including such incorporated documents (other than those that relate to Collateral Term Sheets), in the form first filed after the date of the related Terms Agreement pursuant to Rule 424(b) is hereinafter called the "Prospectus Supplement"), is hereinafter called the "Final Prospectus". Any preliminary prospectus, including any preliminary prospectus supplement which, as completed, is proposed to be used in connection with the sale of a Series of Offered Certificates and any prospectus filed with the Commission pursuant to Rule 424(a) of the Act is hereinafter referred to as a "Preliminary Prospectus"; it being understood that the Company is not obligated to prepare any such Preliminary Prospectus without its consent. Any reference herein to the terms "amend," "amendment" or "supplement" with respect to the Registration Statement, the Preliminary Prospectus, the Final Prospectus or the Prospectus Supplement shall be deemed to refer to and include the filing of any document under the Exchange Act after the effective date of the Registration Statement or the issue date of the Preliminary Prospectus, the Final Prospectus or Prospectus Supplement, as the case may be, deemed to be incorporated therein by reference pursuant to Item 12 of Form S-3 under the Act. (ii) The related Registration Statement, at the time it became effective, and the prospectus contained therein, and any amendments thereof and supplements thereto filed prior to the date of the related Terms Agreement, conformed in all material respects to the requirements of the Act and the rules and regulations of the Commission thereunder; on the date of the related Terms Agreement and on each Closing - 3 - Date (as defined in Section 3 below), the related Registration Statement and the related Final Prospectus, and any amendments thereof and supplements thereto, will conform in all material respects to the requirements of the Act and the rules and regulations of the Commission thereunder; such Registration Statement, at the time it became effective, did not contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; such Final Prospectus, on the date of any filing pursuant to Rule 424(b) and on each Closing Date, will not include any untrue statement of a material fact or omit to state a material fact necessary to make the statements therein, in the light of the circumstances under which they are made, not misleading; and the Detailed Description referred to in such Final Prospectus, on each Closing Date and the date of any filing thereof under cover of Form 8-K, will not include any untrue statement of a material fact or omit to state any information which such Final Prospectus states will be included in such Detailed Description; provided, however, that the Company makes no representations or warranties as to the information contained in or omitted from (A) such Registration Statement or such Final Prospectus (or any supplement thereto) in reliance upon and in conformity with written information furnished to the Company by or on behalf of the Underwriters specifically for use in the preparation thereof or (B) any Current Report (as defined in Section 5(b) below), or in any amendment thereof or supplement thereto, incorporated by reference in such Registration Statement or such Final Prospectus (or any amendment thereof or supplement thereto). (iii) The Certificates of the related Series will conform to the description thereof contained in the related Final Prospectus; and will each on the related Closing Date be duly and validly authorized, and, when validly executed, countersigned, issued and delivered in accordance with the related Pooling and Servicing Agreement and sold to you as provided herein and in the related Terms Agreement, will each be validly issued and outstanding and entitled to the benefits of the related Pooling and Servicing Agreement. (iv) Neither the issuance nor sale of the Certificates of the related Series nor the consummation of any other of the transactions herein contemplated, nor the fulfillment of the terms hereof - 4 - or of the related Terms Agreement, will conflict with any statute, order or regulation applicable to the Company of any court, regulatory body, administrative agency or governmental body having jurisdiction over the Company or with any organizational document of the Company or any instrument or any agreement under which the Company is bound or to which it is a party. (v) This Agreement and the related Terms Agreement have been duly authorized, executed and delivered by the Company. (vi) At or prior to the related Closing Date, the Company will have entered into the related Pooling and Servicing Agreement and, if applicable, the related Supplemental Agreement and, assuming the due authorization, execution and delivery thereof by the Trustee, and by GECC, in the case of the Supplemental Agreement, such Pooling and Servicing Agreement and such Supplemental Agreement (each on such Closing Date) will each constitute the valid and binding agreement of the Company enforceable in accordance with its terms, subject as to enforceability, to bankruptcy, insolvency, reorganization or other similar laws affecting creditors' rights and to general principles of equity (regardless of whether the enforceability of each such Pooling and Servicing Agreement or such Supplemental Agreement is considered in a proceeding in equity or at law). 2. Purchase and Sale. Subject to the execution of the Terms Agreement for a particular Certificate Offering and subject to the terms and conditions and in reliance upon the representations and warranties set forth in this Agreement and such Terms Agreement, the Company agrees to sell to each Underwriter, severally and not jointly, and each Underwriter, severally and not jointly, agrees to purchase from the Company, the respective original principal amounts of the related Offered Certificates set forth in the related Terms Agreement opposite the name of such Underwriter, plus any additional original principal amount of Offered Certificates which such Underwriter may be obligated to purchase pursuant to Section 12 hereof, at the purchase price therefor set forth in such Terms Agreement (the "Purchase Price"). The parties hereto agree that settlement for all securities sold pursuant to this Agreement and the applicable Terms Agreement shall take place on the settlement date agreed upon at the time of the related transaction and set forth as the "Closing Date" in such Terms Agreement and not as set forth in Rule 15c6-1(a) of the Exchange Act. - 5 - 3. Delivery and Payment. Delivery of and payment for the Offered Certificates of a Series shall be made at the offices of Cleary, Gottlieb, Steen & Hamilton, New York, New York, at 10:00 A.M., New York City time, on the Closing Date specified in the related Terms Agreement, which date and time may be postponed by agreement between the Underwriters and the Company (such date and time being herein called the "Closing Date"). Delivery of such Offered Certificates shall be made to the Underwriters against payment by the Underwriters of the Purchase Price thereof to or upon the order of the Company by wire transfer in federal or other immediately available funds or by check payable in federal funds, as the Company shall specify no later than five full business days prior to such Closing Date. Unless delivery is made through the facilities of The Depository Trust Company, the Offered Certificates shall be registered in such names and in such authorized denominations as the Underwriters may request not less than two full business days in advance of each Closing Date. The Company agrees to notify the Underwriters at least two business days before each Closing Date of the exact principal balance evidenced by the Offered Certificates and to have such Offered Certificates available for inspection, checking and packaging in New York, New York, no later than 12:00 noon on the business day prior to such Closing Date. 4. Offering by the Underwriters. It is understood that the Underwriters propose to offer the Offered Certificates of the related Series for sale to the public as set forth in the related Final Prospectus. 5. Agreements. The Company agrees with the Underwriters that: (a) The Company will cause the each of the Preliminary Prospectus and the Final Prospectus as supplemented by a Prospectus Supplement relating to the Offered Certificates to be filed pursuant to Rule 424 under the Act and will promptly advise the Underwriters when such Preliminary Prospectus and such Final Prospectus as so supplemented has been so filed, and prior to the termination of the Certificate Offering to which such Preliminary Prospectus and Final Prospectus relates also will promptly advise the Underwriters (i) when any amendment to the related Registration Statement specifically relating to such Offered Certificates shall have become effective or any further supplement to such Preliminary Prospectus or such Final Prospectus has been filed, (ii) of any request by the Commission for any amendment of such Registration Statement, Preliminary Prospectus or Final Prospectus or for any additional information, (iii) of the issuance by the Commission of any stop order suspending the effectiveness of such Registration Statement or the institution or - 6 - threatening of any proceeding for that purpose and (iv) of the receipt by the Company of any written notification with respect to the suspension of the qualification of such Offered Certificates for sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose. The Company will not file any amendment of the related Registration Statement or supplement to the related Preliminary Prospectus or Final Prospectus (other than any amendment or supplement specifically relating to one or more Series of pass-through certificates other than the Series that includes the related Offered Certificates) unless the Company has furnished the Underwriters with a copy for its review prior to filing. The Company will use its best efforts to prevent the issuance of any such stop order and, if issued, to obtain as soon as possible the withdrawal thereof. (b) The Company will cause any Computational Materials and any Structural Term Sheets (each as defined in Section 8 below) with respect to the Offered Certificates of a Series that are delivered by an Underwriter to the Company pursuant to Section 8 to be filed with the Commission on a Current Report on Form 8-K (each such filing of such materials, a "Current Report") pursuant to Rule 13a-11 under the Exchange Act on the business day immediately following the later of (i) the day on which such Computational Materials and Structural Term Sheets are delivered to counsel for the Company by an Underwriter prior to 10:30 a.m. and (ii) the date on which this Agreement is executed and delivered. The Company will cause one Collateral Term Sheet (as defined in Section 9 below) with respect to the Offered Certificates of a Series that is delivered by the Underwriters to the Company in accordance with the provisions of Section 9 to be filed with the Commission on a Current Report pursuant to Rule 13a-11 under the Exchange Act on the business day immediately following the day on which such Collateral Term Sheet is delivered to counsel for the Company by the Underwriters prior to 10:30 a.m. In addition, if at any time prior to the availability of the related Prospectus Supplement, the Underwriters have delivered to any prospective investor a subsequent Collateral Term Sheet that reflects, in the reasonable judgment of the Underwriters and the Company, a material change in the characteristics of the Mortgage Loans for the related Series from those on which a Collateral Term Sheet with respect to the related Series previously filed with the Commission was based, the Company will cause any such Collateral Term Sheet that is delivered by the Underwriters to the Company in accordance with the provisions of Section 9 to be filed with the Commission on a Current Report on the business day immediately following the day on which such Collateral Term Sheet is delivered to counsel for the - 7 - Company by the Underwriters prior to 10:30 a.m. In each case, the Company will promptly advise the Underwriters when such Current Report has been so filed. Each such Current Report shall be incorporated by reference in the related Final Prospectus and the related Registration Statement. Notwithstanding the five preceding sentences, the Company shall have no obligation to file any materials provided by the Underwriters pursuant to Sections 8 and 9 which, in the reasonable determination of the Company after making reasonable efforts to consult with the Underwriters, are not required to be filed pursuant to the Kidder Letters or the PSA Letter (each as defined in Section 8 below), or which contain erroneous information or contain any untrue statement of a material fact or, when read in conjunction with the Final Prospectus and Prospectus Supplement, omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; it being understood, however, that the Company shall have no obligation to review or pass upon the accuracy or adequacy of, or to correct, any Computational Materials, Structural Term Sheets or Collateral Term Sheets provided by the Underwriters to the Company pursuant to Section 8 or Section 9 hereof. The Company shall give notice to the Underwriters of its determination not to file any materials pursuant to clause (i) of the preceding sentence and agrees to file such materials if the Underwriters reasonably object to such determination within one business day after receipt of such notice. (c) If, at any time when a prospectus relating to the Offered Certificates of a Series is required to be delivered under the Act, any event occurs as a result of which the related Final Prospectus as then amended or supplemented would include any untrue statement of a material fact or omit to state any material fact necessary to make the statements therein in light of the circumstances under which they were made not misleading, or if it shall be necessary at any time to amend or supplement the related Final Prospectus to comply with the Act or the rules thereunder, the Company promptly will prepare and file with the Commission, subject to paragraph (a) of this Section 5, an amendment or supplement which will correct such statement or omission or an amendment which will effect such compliance; provided, however, that the Company will not be required to file any such amendment or supplement with respect to any Computational Materials, Structural Term Sheets or Collateral Term Sheets incorporated by reference in the Final Prospectus other than any amendments or supplements of such Computational Materials or Structural Term Sheets that are furnished to the Company by the Under- writers pursuant to Section 8(e) hereof or any amendments or supplements of such Collateral Term Sheets - 8 - that are furnished to the Company by the Underwriters pursuant to Section 9(d) hereof which are required to be filed in accordance therewith. (d) The Company will furnish to the Underwriters and counsel for the Underwriters, without charge, as many signed copies of the related Registration Statement (including exhibits thereto) and, so long as delivery of a prospectus by the Underwriters or dealer may be required by the Act, as many copies of the related Preliminary Prospectus and the related Final Prospectus and any supplements thereto (other than exhibits to the related Current Report) as the Underwriters may reasonably request. (e) The Company will furnish such information, execute such instruments and take such actions as may be reasonably requested by the Underwriters to qualify the Offered Certificates of a Series for sale under the laws of such jurisdictions as the Underwriters may designate, to maintain such qualifications in effect so long as required for the distribution of such Offered Certificates and to determine the legality of such Offered Certificates for purchase by institutional investors; provided, however, that the Company shall not be required to qualify to do business in any jurisdiction where it is not qualified on the date of the related Terms Agreement or to take any action which would subject it to general or unlimited service of process in any jurisdiction in which it is not, on the date of the related Terms Agreement, subject to such service of process. (f) So long as the Offered Certificates of a Series are outstanding, the Company will furnish to the Underwriters copies of the annual independent public accountants' servicing report furnished to the Trustee pursuant to Section 3.13 of the related Pooling and Servicing Agreement. (g) Whether or not the transactions contemplated hereby and by the related Terms Agreement shall be consummated, the Company shall be responsible for the payment of any costs and expenses for which details are submitted, in connection with the performance of its obligations under this Agreement and the related Terms Agreement, including, without limitation, (a) the cost and expenses of printing or otherwise reproducing the related Registration Statement, the related Preliminary Prospectus, the related Final Prospectus, this Agreement, the related Terms Agreement, the related Pooling and Servicing Agreement and the Offered Certificates, and (b) the cost of delivering the related Offered Certificates to the office of the Underwriters, insured to the satisfaction of the Underwriters (it being understood that, except as provided - 9 - in this paragraph (g) and in Section 7 hereof, the Underwriters will pay all their own costs and expenses, including the fees of Brown & Wood LLP, counsel for the Underwriters, transfer taxes on resale of any Offered Certificates by them, advertising expenses connected with any offers that they may make, the fees of KPMG Peat Marwick LLP with respect to its letters furnished pursuant to Section 6(l) of the Agreement and any letter furnished pursuant to the last sentence of Section 6(k) hereof, the fees of any firm of public accountants selected by the Underwriters with respect to their letter furnished pursuant to Section 8(c) of the Agreement and any other costs and expenses specified in the related Terms Agreement as "Additional Expenses", and all expenses (e.g., shipping, postage and courier costs) associated with the delivery of the related Prospectus to prospective investors and investors, other than the costs of delivery to the Underwriter's facilities, provided, that if courier services (other than overnight delivery services utilized in the ordinary course of business) are required to ensure that such Prospectus is delivered to investors on the day immediately preceding the related Closing Date, the Company will pay such courier expenses). 6. Conditions to the Obligations of the Underwriters. The obligations of the Underwriters to purchase the Offered Certificates of any Series shall be subject to the accuracy in all material respects of the representations and warranties on the part of the Company contained in this Agreement, as supplemented by the related Terms Agreement, as of the respective dates thereof and the related Closing Date, to the accuracy of the statements of the Company made in any applicable officers' certificates pursuant to the provisions hereof, to the performance by the Company of its obligations under this Agreement and such Terms Agreement and to the following additional conditions applicable to the related Certificate Offering: (a) No stop order suspending the effectiveness of the related Registration Statement shall have been issued and no proceedings for that purpose shall have been instituted or threatened. (b) Cleary, Gottlieb, Steen & Hamilton, counsel for the Company, shall have furnished to the Underwriters an opinion, dated the related Closing Date, to the effect that: (i) this Agreement and the related Terms Agreement have been duly executed and delivered by the Company under the law of the State of New York; - 10 - (ii) each of the related Pooling and Servicing Agreement and, if applicable, the related Supplemental Agreement has been duly executed and delivered by the Company under the law of the State of New York and is a legal, valid and binding agreement of the Company enforceable against the Company in accordance with its terms; (iii) the Offered Certificates, when duly executed and countersigned by the Trustee in accordance with the related Pooling and Servicing Agreement, will be validly issued and outstanding and entitled to the benefits of such Pooling and Servicing Agreement; (iv) the related Pooling and Servicing Agreement is not required to be qualified under the Trust Indenture Act of 1939, as amended, and the trust created thereunder is not required to be registered under the Investment Company Act of 1940, as amended; (v) such counsel confirms that (based solely upon telephonic confirmation from a representative of the Commission) the related Registration Statement is effective under the Act and, to the best of such counsel's knowledge, no stop order with respect thereto has been issued, and no proceeding for that purpose has been instituted or threatened by the Commission under the Act; such Registration Statement (except the financial statements and schedules and other financial and statistical data included therein and the documents incorporated by reference therein, as to which such counsel need express no view), at the time it became effective and the related Final Prospectus (except the financial statements and schedules and the other financial and statistical data included therein, the documents incorporated by reference therein and any Underwriter-Provided Information (as defined herein) as to which such counsel need express no view), as of the date of the Prospectus Supplement, appeared on their face to be appropriately responsive in all material respects to the requirements of the Act and the rules and regulations thereunder; and no information has come to the attention of such counsel that causes it to believe that (A) such Registration Statement (except the financial statements and schedules and the other financial and statistical data included therein and the documents incorporated by reference therein, as to which such counsel need express no view) at the time it became effective, contained an untrue statement of a material fact or omitted to state a material fact required to be stated therein or necessary to make the - 11 - statements therein not misleading or (B) such Final Prospectus or any amendment or supplement thereto (except the financial statements and schedules and the other financial and statistical data included therein and the documents incorporated by reference therein and any Underwriter-Provided Information, as to which such counsel need express no view), as of the date of the Prospectus Supplement or at the related Closing Date, contained or contains an untrue statement of a material fact or omitted or omits to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading; (vi) the statements set forth under the heading "Description of the Certificates" in the related Final Prospectus, insofar as such statements purport to summarize certain provisions of the related Pooling and Servicing Agreement and the related Offered Certificates, provide a fair summary of such provisions; (vii) the statements set forth in the related Final Prospectus under the headings "Certain Legal Aspects of the Mortgage Loans and Contracts --The Mortgage Loans", "Certain Federal Income Tax Consequences" (insofar as they relate specifically to the purchase, ownership and disposition of the related Offered Certificates) and "ERISA Considerations" (insofar as they relate specifically to the purchase, ownership and disposition of such Offered Certificates), to the extent that they constitute matters of law or legal conclusions, provide a fair summary of such law or conclusions; and (viii) assuming compliance with all provisions of the related Pooling and Servicing Agreement, for federal income tax purposes, (A) if any election is made to treat the assets of the Trust Fund (other than assets excluded from a REMIC, as described in the Final Prospectus) as one or more REMICs: the related Trust Fund and any specified subgrouping therein (other than any such excluded assets) will qualify as one or more REMICs pursuant to Section 860D of the Internal Revenue Code of 1986, as amended (the "Code"), each Class of Certificates of the related Series, other than the related Residual Class or Classes, will constitute a class of "regular interests" in a related REMIC within the meaning of the Code, and each Class of such Certificates specified in the related Final Prospectus as a Class of Residual Certificates will constitute the "residual interest" in - 12 - a related REMIC within the meaning of the Code; (B) if no such REMIC election is made: the Trust Fund will be treated as a "grantor trust". Such opinion may express its reliance as to factual matters on the representations and warranties made by, and on certificates or other documents furnished by, officers of the parties to this Agreement, the related Terms Agreement, the related Pooling and Servicing Agreement or the related Supplement Agreement. Such opinion may assume the due authorization, execution and delivery of the instruments and documents referred to therein by the parties thereto other than the Company. Such opinion may be qualified, insofar as it concerns the enforceability of the documents referred to therein, to the extent that such enforceability may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors' rights in general and by general equity principles (regardless of whether such enforcement is considered in a proceeding in equity or at law). Such opinion may be further qualified as expressing no opinion as to (x) the statements in the related Final Prospectus under the heading "Certain Legal Aspects of the Mortgage Loans and Contracts -- The Mortgage Loans" except insofar as such statements relate to the laws of the State of New York and the laws of the United States, and (y) the statements in such Final Prospectus under the headings "ERISA Considerations" and "Certain Federal Income Tax Consequences" except insofar as such statements relate to the laws of the United States. In addition, such opinion may be qualified as an opinion only on the laws of the State of New York and the laws of the United States. (c) The General Counsel for the Company shall have furnished to the Underwriters an opinion, dated the related Closing Date, to the effect that: (i) The Company has been duly incorporated and is validly existing as a corporation in good standing under the laws of the State of New Jersey, with corporate power to own its properties, to conduct its business as described in the related Final Prospectus and to enter into and perform its obligations under this Agreement, the related Terms Agreement, the related Pooling and Servicing Agreement, the related Supplemental Agreement and the Certificates of the related Series; (ii) The Company has full power and authority to sell and service the related Mortgage Loans as contemplated herein and in the related Pooling and Servicing Agreement; - 13 - (iii) No consent, approval, authorization or order of any court or governmental agency or body is required for the consummation by the Company of the transactions contemplated herein, in the related Pooling and Servicing Agreement or in the related Supplemental Agreement, except such as may be required under the blue sky laws of any jurisdiction and such other approvals as have been obtained; (iv) Neither the issuance of the Certificates of the related Series nor delivery of the related Offered Certificates, nor the consummation of any other of the transactions contemplated in this Agreement, the related Terms Agreement, the related Pooling and Servicing Agreement or the related Supplemental Agreement, nor the fulfillment of the terms of the related Certificates, the related Pooling and Servicing Agreement, the related Supplemental Agreement, this Agreement or the related Terms Agreement will conflict with or violate any term or provision of the articles of incorporation or by-laws of the Company or any statute, order or regulation applicable to the Company of any court, regulatory body, administrative agency or governmental body having jurisdiction over the Company and will not conflict with, result in a breach or violation or the acceleration of or constitute a default under the terms of any indenture or other agreement or instrument known to such counsel to which the Company is a party or by which it is bound; and (v) There are no actions, proceedings or investigations pending or, to the best knowledge of such counsel, threatened before any court, administrative agency or other tribunal (i) asserting the invalidity of this Agreement, the related Terms Agreement, the related Pooling and Servicing Agreement, the related Supplemental Agreement or the related Certificates, (ii) seeking to prevent the issuance of the Certificates of the related Series or the consummation by the Company of any of the transactions contemplated by this Agreement, such Terms Agreement, such Pooling and Servicing Agreement or such Supplemental Agreement, or (iii) which might materially and adversely affect the performance by the Company of its obligations under, or the validity or enforceability of, this Agreement, such Terms Agreement, such Pooling and Servicing Agreement, such Supplemental Agreement or the related Certificates. In rendering her opinion such counsel may rely as to matters of fact, to the extent deemed proper and as stated therein, - 14 - on certificates of responsible officers of the Company or public officials. In addition, such opinion may be qualified as an opinion only on the laws of the State of New Jersey. (d) If applicable, counsel for GECC shall have furnished to the Underwriters an opinion, dated the related Closing Date, to the effect that: (i) GECC has been duly incorporated and is validly existing as a corporation in good standing under the laws of the State of New York and in each jurisdiction in which the conduct of its business requires such qualification; (ii) GECC has full corporate power and authority to execute and deliver the Supplemental Agreement and to carry out its terms, and the execution, delivery and performance of the Supplemental Agreement have been duly authorized by GECC by all necessary corporate action; (iii) The related Supplemental Agreement has been duly executed and delivered by GECC and constitutes a legal, valid and binding agreement of GECC enforceable in accordance with its terms, except as such enforceability may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditor's rights in general and by general principles of equity, regardless of whether such enforceability is considered in a proceeding in equity or at law; and (iv) The execution, delivery and performance of the Supplemental Agreement by GECC does not and will not conflict with or violate any term or provision of the articles of incorporation or by-laws of GECC or any statute, order or regulation applicable to GECC of any court, regulatory body, administrative agency or governmental body having jurisdiction over GECC and will not conflict with, result in a breach or violation or the acceleration of or constitute a default under the terms of any indenture or other agreement or instrument known to such counsel to which GECC is a party or by which it is bound. In rendering such opinion such counsel may rely as to matters of fact, to the extent deemed proper and as stated therein, on certificates of responsible officers of GECC or public officials. - 15 - (e) The Underwriters shall have received from Brown & Wood LLP, counsel for the Underwriters, such opinion or opinions, dated the related Closing Date, with respect to the issuance and sale of the Certificates of the related Series, the related Registration Statement, the related Final Prospectus and such other related matters as the Underwriters may reasonably require, and the Company shall have furnished to such counsel such documents as the Underwriters may reasonably request for the purpose of enabling them to pass upon such matters. (f) The Company shall have furnished to the Underwriters a certificate of the Company, signed by the President or any Vice President and the Senior Vice President-Finance or the principal financial or accounting officer of the Company, dated the related Closing Date, to the effect that the signers of such certificate have carefully examined the related Registration Statement (excluding any Current Reports and any other documents incorporated by reference therein), the related Final Prospectus, the Detailed Description referred to in such Final Prospectus (excluding any related Current Report), this Agreement and the related Terms Agreement and that: (i) the representations and warranties of the Company in this Agreement are true and correct in all material respects on and as of the related Closing Date with the same effect as if made on such Closing Date, and the Company has complied with all the agreements and satisfied all the conditions on its part to be performed or satisfied at or prior to such Closing Date; (ii) no stop order suspending the effectiveness of such Registration Statement has been issued and no proceedings for that purpose have been instituted or, to their knowledge, threatened; and (iii) nothing has come to their attention that would lead them to believe that such Registration Statement (excluding any Current Report) contains any untrue statement of a material fact or omits to state any material fact required to be stated therein or necessary to make the statements therein not misleading, that the related Final Prospectus (excluding any related Current Report) contains any untrue statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, or that the Detailed Description referred to in such Final Prospectus includes any untrue - 16 - statement of a material fact or omits to state any information which the Final Prospectus states will be included in such Detailed Description. (g) If applicable, GECC shall have furnished to the Underwriters a certificate of GECC, signed by the President or any Vice President and the Senior Vice President-Finance or the principal financial or accounting officer of GECC, dated the related Closing Date, to the effect that the signers of such certificate have carefully examined the information under the headings "Description of the Certificates--Supplemental Agreement with GECC" and "General Electric Capital Corporation" contained in the related Final Prospectus and the related Supplemental Agreement and that: (i) nothing has come to their attention that would lead them to believe that such information in the related Final Prospectus contains any untrue statement of a material fact or omits to state any material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances in which they were made, not misleading; and (ii) the representations and warranties of GECC in the related Supplemental Agreement are true and correct in all material respects on and as of the related Closing Date with the same effect as if made on such Closing Date, and GECC has complied with all the agreements and satisfied all the conditions on its part to be performed or satisfied at or prior to such Closing Date. (h) Counsel for the Trustee shall have furnished to the Underwriters an opinion, dated the related Closing Date, to the effect that: (i) the Trustee has been duly incorporated and is validly existing as a corporation in good standing under the laws of its jurisdiction of organization with corporate power to own its properties and conduct its business as presently conducted by it, to conduct business as a trustee and to enter into and perform its obligations under the related Pooling and Servicing Agreement and, if applicable, the related Supplemental Agreement; (ii) each of the related Pooling and Servicing Agreement and the related Supplemental Agreement has been duly authorized, executed and delivered by the Trustee and constitutes the legal, - 17 - valid and binding agreement of the Trustee enforceable against the Trustee in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance, reorganization or other similar laws affecting the enforcement of creditors' rights generally and to judicial discretion, and general principles of equity (regardless of whether enforcement is sought in a proceeding in equity or at law); (iii) the Trustee has duly accepted its appointment as trustee under the related Pooling and Servicing Agreement; (iv) no consent, approval, authorization or order of any state or federal court or government agency or body is required on the part of the Trustee for the consummation of the transactions contemplated in the related Pooling and Servicing Agreement and the related Supplemental Agreement, except such as may be required under any federal or state securities law; and (v) the performance on the part of the Trustee of any of the transactions contemplated in the related Pooling and Servicing Agreement and the related Supplemental Agreement does not conflict with or result in a breach or violation of any term or provision of, or constitute a default under, the Articles of Organization, as amended, or By-Laws of the Trustee, or any state or federal statute or regulation applicable to the Trustee, or to such counsel's knowledge, any indenture or other agreement or instrument to which the Trustee is a party or by which it is bound, or, to such counsel's knowledge, any order of any state or federal court, regulatory body, administrative agency or governmental body having jurisdiction over the Trustee. In addition, such counsel shall furnish to the Underwriters such opinions as to the treatment of the Trust Fund for purposes of state tax law where the Trustee maintains possession of the assets of the Trust Fund as are reasonably satisfactory to the Underwriters. (i) If any Preliminary Prospectus has been prepared with respect to a Series of Certificates, KPMG Peat Marwick LLP shall have furnished to the Underwriters a letter, dated as of the date of such Preliminary Prospectus, in form and substance satisfactory to the Underwriters, stating in effect that: (i) they have performed certain specified procedures as a result of which they have determined that such information as the Underwriters may - 18 - reasonably request of an accounting, financial or statistical nature (which is limited to accounting, financial or statistical information derived from the general accounting records of the Company) set forth in the related Preliminary Prospectus under the caption "Delinquency and Foreclosure Experience of the Company" agrees with the accounting records of the Company, excluding any questions of legal interpretation; and (ii) they have performed certain specified procedures as a result of which they have determined that such information as the Underwriters may reasonably request of an accounting, financial or statistical nature (which is limited to accounting, financial or statistical information derived from the general accounting records of the Company and which is obtained from an analysis of a sample of the Mortgage Loans included in the related pool) set forth in the related Preliminary Prospectus under the caption "Description of the Mortgage Pool and the Mortgaged Properties" or "Description of the Mortgage Pools and the Mortgaged Properties", as the case may be, is mutually consistent and agrees with the accounting records of the Company and, where applicable, the related Mortgage Loan files of the Company, excluding any questions of legal interpretation. (j) KPMG Peat Marwick LLP shall have furnished to the Underwriters a letter, dated as of the date of the related Terms Agreement, in form and substance satisfactory to the Underwriters, stating in effect that they have performed certain specified procedures as a result of which they have determined that such information as the Underwriters may reasonably request of an accounting, financial or statistical nature (which is limited to accounting, financial or statistical information derived from the general accounting records of the Company) set forth in the related Final Prospectus under the caption "Delinquency and Foreclosure Experience of the Company" agrees with the accounting records of the Company, excluding any questions of legal interpretation. (k) KPMG Peat Marwick LLP shall have furnished to the Underwriters a letter, dated as of the related Closing Date, in form and substance satisfactory to the Underwriters, stating in effect that they have performed certain specified procedures as a result of which they have determined that such information as the Underwriters may reasonably request of an accounting, financial or statistical nature (which is limited to accounting, financial or statistical information derived from the general accounting records of the Company and which is - 19 - obtained from an analysis of a sample of the Mortgage Loans included in the related pool) set forth in the related Final Prospectus under the caption "Description of the Mortgage Pool and the Mortgaged Properties" or "Description of the Mortgage Pools and the Mortgaged Properties", as the case may be, and in the Detailed Description relating to such Final Prospectus is mutually consistent and agrees with the accounting records of the Company and, where applicable, the related Mortgage Loan files of the Company, excluding any questions of legal interpretation. In addition, if applicable, such accountants shall have furnished to the Underwriters a letter, dated as of the related Closing Date, which shall include a statement or statements to the effect that based upon the assumptions and methodology agreed to by the Company (and which is consistent with the manner in which any final PAC Balances, TAC Balances, Scheduled Balances, Maximum and Minimum Scheduled Balances or any other scheduled balances are to be calculated as set forth in the related Final Prospectus), all of which shall be described by reference in such letter, such accountants shall have verified the mathematical accuracy of any final PAC Balances Table, TAC Balances Table, Scheduled Balances Table, Maximum or Minimum Scheduled Balances Table or other scheduled balances table attached as an exhibit to the related Pooling and Servicing Agreement. (l) KPMG Peat Marwick LLP shall have furnished to the Underwriters and the Company a letter or letters, dated as of the date of the related Terms Agreement, in form and substance satisfactory to the Underwriters and the Company, including, without limitation, statements, if applicable, to the effect that: (i) based upon the assumptions and methodology set forth in the related Final Prospectus, all of which shall be described by reference in such letter, they recomputed the percentages of initial principal balance outstanding as of each of the Distribution Dates (as defined in such Final Prospectus) indicated and the weighted average lives of each Class of Offered Certificates at each of the indicated percentages of the applicable Prepayment Assumption, and they compared the recomputed percentages and weighted average lives to the corresponding percentages and weighted average lives set forth in the related tables and found them to be in agreement; (ii) based upon the assumptions and methodology set forth in such Final Prospectus, all of which shall be described by reference in such letter, they have verified the mathematical accuracy of any - 20 - Scheduled Final Distribution Dates for the Offered Certificates, PAC Balances, TAC Balances, Scheduled Balances, Maximum and Minimum Scheduled Balances or any other scheduled balances set forth in such Final Prospectus for each indicated Distribution Date, and have verified the mathematical accuracy of any initial Effective Ranges of any PAC Certificates, Scheduled Certificates or other scheduled Certificates set forth in such Final Prospectus; and (iii) based upon the assumptions and methodology set forth in such Final Prospectus, all of which shall be described by reference in such letter, they have verified the mathematical accuracy of the pre-tax yields to maturity and, if applicable, aggregate cash flows of any Class of Certificates for which such pre-tax yields and, if applicable, aggregate cash flows are set forth in such Final Prospectus at the indicated percentages of the Prepayment Assumption and, if applicable, at the indicated values of COFI, LIBOR or any other index, as applicable. (m) The Offered Certificates of the related Series shall have received the ratings specified in the related Terms Agreement (the "Required Ratings"). (n) Prior to the related Closing Date, the Company shall have furnished to the Underwriters such further information, certificates and documents as the Underwriters may reasonably request. (o) If any Certificates of the related Series are to be sold to any other underwriter and/or offered in reliance upon an exemption from the registration requirements of the Act, the sale at or prior to the related Closing Date of such Certificates to the purchaser thereof shall have occurred. (p) Subsequent to the date of the related Terms Agreement, there shall not have been any change, or any development involving a prospective change, in or affecting the business or properties of the Company or GECC which the Underwriters conclude in their judgment, after consultation with the Company, materially impairs the investment quality of the Offered Certificates of the related Series so as to make it impractical or inadvisable to proceed with the public offering or the delivery of such Offered Certificates as contemplated by the related Final Prospectus. If any of the conditions specified in this Section 6 shall not have been fulfilled in all material respects with respect to the particular Offered Certificates of a Series when - 21 - and as provided in this Agreement and the related Terms Agreement, or if any of the opinions and certificates mentioned above or elsewhere in this Agreement and the related Terms Agreement shall not be in all material respects reasonably satisfactory in form and substance to the Underwriters and their counsel, this Agreement (with respect to the related Offered Certificates) and the related Terms Agreement and all obligations of the Underwriters hereunder (with respect to the related Offered Certificates) and thereunder may be canceled at, or at any time prior to, the related Closing Date by the Underwriters. Notice of such cancellation shall be given to the Company in writing, or by telephone or telegraph confirmed in writing. 7. Indemnification and Contribution. (a) The Company agrees to indemnify and hold harmless each Underwriter and each person who controls any Underwriter within the meaning of the Act or the Exchange Act against any and all losses, claims, damages or liabilities, joint or several, to which they or any of them may become subject under the Act, the Exchange Act, or other Federal or state statutory law or regulation, at common law or otherwise, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon any untrue statement or alleged untrue statement of a material fact contained in the Registration Statement relating to the Offered Certificates of the applicable Series as it became effective or in any amendment or supplement thereof, or in such Registration Statement, in the related Preliminary Prospectus or the related Final Prospectus, or in any amendment thereof, or in the Detailed Description referred to in such Final Prospectus or arise out of or are based upon the omission or alleged omission (in the case of any Computational Materials or ABS Term Sheets (in each case as defined herein) in respect of which the Company agrees to indemnify each Underwriter, as set forth below, when such are read in conjunction with the related Final Prospectus and Prospectus Supplement) to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, and agrees to reimburse each such indemnified party for any legal or other expenses reasonably incurred by them in connection with investigating or defending any such loss, claim, damage, liability or action; provided, however, that (i) the Company will not be liable in any such case to the extent that any such loss, claim, damage or liability arises out of or is based upon any such untrue statement or alleged untrue statement or omission or alleged omission made therein (A) in reliance upon and in conformity with written information furnished to the Company as herein stated by or on behalf of any Underwriter through you specifically for use in connection with the preparation thereof or (B) in any Current Report or any amendment or supplement thereof, except to the extent that any untrue statement or alleged untrue statement therein or omission therefrom results (or is alleged to have resulted) directly from an error (a "Mortgage Pool Error") in the - 22 - information concerning the characteristics of the Mortgage Loans furnished by the Company to any Underwriter in writing or by electronic transmission that was used in the preparation of either (x) any Computational Materials or ABS Term Sheets (or amendments or supplements thereof) included in such Current Report (or amendment or supplement thereof) or (y) any written or electronic materials furnished to prospective investors on which the Computational Materials (or amendments or supplements) were based, (ii) such indemnity with respect to any Preliminary Prospectus or any Corrected Statement (as defined below) in any Final Prospectus (or supplement thereto) shall not inure to the benefit of any Underwriter (or any person controlling any Underwriter) from whom the person asserting any loss, claim, damage or liability purchased the Certificates of the related Series that are the subject thereof if such person did not receive a copy of the related Final Prospectus or a supplement to such Final Prospectus, as the case may be, at or prior to the confirmation of the sale of such Certificates and the untrue statement or omission of a material fact contained in such Preliminary Prospectus or Final Prospectus (or supplement thereto) was corrected (a "Corrected Statement") in such Final Prospectus (with respect to any Preliminary Prospectus) or in such other supplement (with respect to any Final Prospectus) and such Final Prospectus or such supplement was furnished by the Company to such Underwriter prior to the delivery of such confirmation, and (iii) such indemnity with respect to any Mortgage Pool Error shall not inure to the benefit of any Underwriter (or any person controlling any Underwriter) from whom the person asserting any loss, claim, damage or liability received any Computational Materials or ABS Term Sheets (or any written or electronic materials on which the Computational Materials or ABS Term Sheets are based) that were prepared on the basis of such Mortgage Pool Error, if, prior to the time of confirmation of the sale of the applicable Certificates to such person, the Company notified such Underwriter in writing of the Mortgage Pool Error or provided in written or electronic form information superseding or correcting such Mortgage Pool Error (in any such case, a "Corrected Mortgage Pool Error"), and such Underwriter failed to notify such person thereof or to deliver to such person corrected Computational Materials (or underlying written or electronic materials) or ABS Term Sheets. This indemnity agreement will be in addition to any liability which the Company may otherwise have. (b) Each Underwriter agrees, severally and not jointly, to indemnify and hold harmless the Company, each of its directors, each of its officers who signs the Registration Statement relating to the Offered Certificates of the applicable Series, and each person who controls the Company within the meaning of the Act or the Exchange Act to the same extent as the foregoing indemnities from the Company to each Underwriter, but only with reference to (A) written information furnished to the - 23 - Company by or on behalf of such Underwriter through you specifically for use in the preparation of the documents referred to in the foregoing indemnity with respect to the related Series, or (B) any Computational Materials or ABS Term Sheets (or amendments or supplements thereof) delivered to prospective investors by such Underwriter and furnished to the Company by such Underwriter pursuant to Section 8 and incorporated by reference in such Registration Statement, the related Preliminary Prospectus or the related Final Prospectus or any amendment or supplement thereof (except that no such indemnity shall be available for any losses, claims, damages or liabilities, or actions in respect thereof, resulting from any Mortgage Pool Error, other than a Corrected Mortgage Pool Error). This indemnity agreement will be in addition to any liability which each Underwriter may otherwise have. The Company acknowledges that the Underwriter-Provided Information constitute the only information furnished in writing by or on behalf of the Underwriters for inclusion in the related Preliminary Prospectus or Final Prospectus (other than any Computational Materials or ABS Term Sheets (or amendments or supplements thereof)), and the Underwriters confirm that such statements are correct. "Underwriter-Provided Information" means any statements provided to the Company by the Underwriters specifically for use in the preparation of the related Preliminary Prospectus or Final Prospectus and designated as such in the Terms Agreement for the related Series. Any Computational Materials or ABS Term Sheets (or amendments or supplements thereof) furnished to the Company by a particular Underwriter shall relate exclusively to and be the several responsibility of such Underwriter and no other Underwriter. (c) Promptly after receipt by an indemnified party under Section 7 of notice of the commencement of any action, such indemnified party will, if a claim in respect thereof is to be made against an indemnifying party under this Section 7, notify such indemnifying party in writing of the commencement thereof; but the omission so to notify such indemnifying party will not relieve it from any liability which it may have to any indemnified party otherwise than under this Section 7. In case any such action is brought against any indemnified party, and it notifies the indemnifying party or parties of the commencement thereof, the indemnifying party or parties will be entitled to participate therein, and to the extent that they may elect by written notice delivered to an indemnified party promptly after receiving the aforesaid notice from such indemnified party, to assume the defense thereof, with counsel satisfactory to such indemnified party; provided, however, that if the defendants in any such action include both an indemnified party and an indemnifying party and such indemnified party shall have reasonably concluded that there may be legal defenses available to it and/or other indemnified parties which are different from or additional to those available to an indemnifying party, such - 24 - indemnified party or parties shall have the right to select separate counsel to assert such legal defenses and to otherwise participate in the defense of such action on behalf of such indemnified party or parties. Upon receipt of notice from an indemnifying party or parties to such indemnified party of their election so to assume the defense of such action and approval by such indemnified party of counsel, such indemnifying party or parties will not be liable to such indemnified party under this Section 7 for any legal or other expenses subsequently incurred by such indemnified party in connection with the defense thereof unless (i) such indemnified party shall have employed separate counsel in connection with the assertion of legal defenses in accordance with the proviso to the next preceding sentence (it being understood, however, that the indemnifying party or parties shall not be liable for the expenses of more than one separate counsel approved by the indemnified party or parties in the case of subparagraph (a) or (b), representing the indemnified parties under subparagraph (a) or (b), who are parties to such action), (ii) the indemnifying party or parties shall not have employed counsel satisfactory to the indemnified party or parties to represent such indemnified party or parties within a reasonable time after notice of commencement of the action or (iii) the indemnifying party or parties have authorized the employment of counsel for an indemnified party at the expense of the indemnifying parties; and except that, if clause (i) or (iii) is applicable, such liability shall be only in respect of the counsel referred to in such clause (i) or (iii). (d) If the indemnification provided for in paragraph (a) or (b) of this Section 7 is due in accordance with its terms but is for any reason held by a court to be unavailable from the Company or any Underwriter, on grounds of policy or otherwise, or if an indemnified party failed to give notice under paragraph (c) of this Section 7 in respect of a claim otherwise subject to indemnification in accordance with paragraph (a) or (b) of this Section 7, the Company and such Underwriter shall contribute to the aggregate losses, claims, damages and liabilities (including legal and other expenses reasonably incurred in connection with investigating or defending same) to which the Company and such Underwriter may be subject, as follows: (i) in the case of any losses, claims, damages and liabilities (or actions in respect thereof) which do not arise out of or are not based upon any untrue statement or omission of a material fact in any Computational Materials or ABS Term Sheets (or any amendments or supplements thereof), in such proportion so that the Underwriters are responsible for that portion represented by the difference between the proceeds to the Company in respect of the Offered Certificates appearing on the cover page of the Final Prospectus for the related Series and the total proceeds received by the Underwriters from the sale of such - 25 - Offered Certificates (the "Underwriting Discount"), and the Company is responsible for the balance; provided, however, that in no case shall the Underwriters be responsible under this subparagraph (i) for any amount in excess of such Underwriting Discount applicable to the Offered Certificates purchased by the Underwriters pursuant to this Agreement and the related Terms Agreement; and (ii) in the case of any losses, claims, damages and liabilities (or actions in respect thereof) which arise out of or are based upon any untrue statement or omission of a material fact in any Computational Materials or ABS Term Sheets (or any amendments or supplements thereof) or in any written or electronic materials distributed to prospective investors on which the Computational Materials are based, in such proportion as is appropriate to reflect the relative fault of the Company on the one hand and the Underwriter that delivered such materials to prospective investors on the other in connection with the statements or omissions which resulted in such losses, claims, damages or liabilities (or actions in respect thereof) as well as any other relevant equitable considerations. The relative fault shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact in such Computational Materials or ABS Term Sheets (or any amendments or supplements thereof or such written or electronic materials) results from information prepared by the Company on the one hand or such Underwriter on the other and the parties' relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission. Notwithstanding anything to the contrary in this Section 7(d), no person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation. For purposes of this Section 7, each person who controls any Underwriter within the meaning of either the Act or the Exchange Act shall have the same rights to contribution as such Underwriter, and each person who controls the Company within the meaning of either the Act or the Exchange Act, each officer of the Company who shall have signed the Registration Statement and each director of the Company shall have the same rights to contribution as the Company, subject in each case to the immediately preceding sentence of this paragraph (d). 8. Computational Materials and Structural Term Sheets. (a) Not later than 10:30 a.m., New York time, on the business day before the date on which the Current Report relating to the Offered Certificates of a Series is required to be filed by the Company with the Commission pursuant to Section 5(b) - 26 - hereof, the Underwriters shall deliver to the Company five complete copies of all materials provided by the Underwriters to prospective investors in such Offered Certificates which constitute (i) "Computational Materials" within the meaning of the no-action letter dated May 20, 1994 issued by the Division of Corporation Finance of the Commission to Kidder, Peabody Acceptance Corporation I, Kidder, Peabody & Co. Incorporated, and Kidder Structured Asset Corporation and the no-action letter dated May 27, 1994 issued by the Division of Corporation Finance of the Commission to the Public Securities Association (together, the "Kidder Letters") and the filing of such material is a condition of the relief granted in such letter (such materials being the "Computational Materials"), and (ii) "Structural Term Sheets" within the meaning of the no-action letter dated February 17, 1995 issued by the Division of Corporation Finance of the Commission to the Public Securities Association (the "PSA Letter") and the filing of such material is a condition of the relief granted in such letter (such materials being the "Structural Term Sheets"). Each delivery of Computational Materials and Structural Term Sheets to the Company pursuant to this paragraph (a) shall be effected by delivering four copies of such materials to counsel for the Company on behalf of the Company at the address specified in Section 3 hereof and one copy of such materials to the Company. (b) Each Underwriter represents and warrants to and agrees with the Company, as of the date of the related Terms Agreement and as of the Closing Date, that: (i) the Computational Materials furnished to the Company by such Underwriter pursuant to Section 8(a) constitute (either in original, aggregated or consolidated form) all of the materials furnished to prospective investors by such Underwriter prior to the time of delivery thereof to the Company that are required to be filed with the Commission with respect to the related Offered Certificates in accordance with the Kidder Letters, and such Computational Materials comply with the requirements of the Kidder Letters; (ii) the Structural Term Sheets furnished to the Company by such Underwriter pursuant to Section 8(a) constitute all of the materials furnished to prospective investors by such Underwriter prior to the time of delivery thereof to the Company that are required to be filed with the Commission as "Structural Term Sheets" with respect to the related Offered Certificates in accordance with the PSA Letter, and such Structural Term Sheets comply with the requirements of the PSA Letter; - 27 - (iii) on the date any such Computational Materials or Structural Term Sheets with respect to such Offered Certificates (or any written or electronic materials furnished to prospective investors on which the Computational Materials are based) were last furnished to each prospective investor by such Underwriter and on the date of delivery thereof to the Company pursuant to Section 8(a) and on the related Closing Date, such Computational Materials (or such other materials) or Structural Term Sheets did not and will not include any untrue statement of a material fact or, when read in conjunction with the Final Prospectus and Prospectus Supplement, omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; and (iv) all Computational Materials (or underlying materials distributed to prospective investors on which the Computational Materials were based) delivered to prospective investors by such Underwriter and all Structural Term Sheets delivered to prospective investors by such Underwriter contained and will contain a legend, prominently displayed on the first page thereof, stating that the Computational Materials or Structural Term Sheets are being produced and provided exclusively by the Underwriter and that the Underwriter is acting as an underwriter and not acting as an agent of the Company in connection with the securities described herein, and otherwise in form and substance satisfactory to the Company. Notwithstanding the foregoing, each Underwriter makes no representation or warranty as to whether any Computational Materials or Structural Term Sheets (or any written or electronic materials on which the Computational Materials are based) included or will include any untrue statement resulting directly from any Mortgage Pool Error (except any Corrected Mortgage Pool Error, with respect to materials prepared after the receipt by such Underwriter from the Company of notice of such Corrected Mortgage Pool Error or materials superseding or correcting such Corrected Mortgage Pool Error). (c) The Underwriters shall cause a firm of public accountants to furnish to the Company a letter, dated as of the date on which the Underwriters deliver any Computational Materials (which term shall be deemed to include, for purposes of this paragraph (c), calculated statistical information delivered to prospective investors in the form of a Structural Term Sheet) to the Company pursuant to Section 8(a), in form and substance satisfactory to the Company, stating in effect that they have verified the mathematical accuracy of any calculations performed - 28 - by each Underwriter and set forth in such Computational Materials. (d) Each Underwriter acknowledges and agrees that any Computational Materials or Structural Term Sheets with respect to any Series of Certificates furnished to prospective investors from and after September 10, 1996 have been prepared and disseminated by the Underwriters and not by or on behalf of the Company, and that such materials included and shall include a disclaimer in the form described in paragraph (b)(iv) above. Each Underwriter agrees that it will not represent to prospective investors that any Computational Materials or Structural Term Sheets were prepared or disseminated on behalf of the Company. (e) If, at any time when a prospectus relating to the Offered Certificates of a Series is required to be delivered under the Act, it shall be necessary to amend or supplement the related Final Prospectus as a result of an untrue statement of a material fact contained in any Computational Materials or Structural Term Sheets provided by any Underwriter pursuant to this Section 8 or the omission to state therein a material fact required, when considered in conjunction with the related Final Prospectus and Prospectus Supplement, to be stated therein or necessary to make the statements therein, when read in conjunction with the related Final Prospectus and Prospectus Supplement, not misleading, or if it shall be necessary to amend or supplement any Current Report relating to any Computational Materials or Structural Term Sheets to comply with the Act or the rules thereunder, such Underwriter promptly will prepare and furnish to the Company for filing with the Commission an amendment or supplement which will correct such statement or omission or an amendment which will effect such compliance. Each Underwriter represents and warrants to the Company, as of the date of delivery by it of such amendment or supplement to the Company, that such amendment or supplement will not include any untrue statement of a material fact or, when read in conjunction with the related Final Prospectus and Prospectus Supplement, omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; provided, however, each such Underwriter makes no representation or warranty as to whether any such amendment or supplement will include any untrue statement resulting directly from any Mortgage Pool Error (except any Corrected Mortgage Pool Error, with respect to any such amendment or supplement prepared after the receipt by such Underwriter from the Company of notice of such Corrected Mortgage Pool Error or materials superseding or correcting such Corrected Mortgage Pool Error). The Company shall have no obligation to file such amendment or supplement if (i) the Company determines that such amendment or supplement contains any untrue statement of a material fact or, when read in conjunction with the related Final Prospectus and Prospectus Supplement, omits to state a material fact required to be stated - 29 - therein or necessary to make the statements therein not misleading; it being understood, however, that the Company shall have no obligation to review or pass upon the accuracy or adequacy of, or to correct, any such amendment or supplement provided by any Underwriter to the Company pursuant to this paragraph (e) or (ii) the Company reasonably determined that such filing is not required under the Act and the Underwriters do not object as provided below. The Company shall give notice to the Underwriters of its determination not to file an amendment or supplement pursuant to clause (ii) of the preceding sentence and agrees to file such amendment or supplement if the Underwriters reasonably object to such determination within one business day after receipt of such notice. 9. Collateral Term Sheets. (a) Prior to the delivery of any "Collateral Term Sheet" within the meaning of the PSA Letter, the filing of which material is a condition of the relief granted in such letter (such material being the "Collateral Term Sheets"), to a prospective investor in the Offered Certificates, the Underwriters shall notify the Company and its counsel by telephone of their intention to deliver such materials and the approximate date on which the first such delivery of such materials is expected to occur. Not later than 10:30 a.m., New York time, on the business day immediately following the date on which any Collateral Term Sheet was first delivered to a prospective investor in the Offered Certificates, the Underwriters shall deliver to the Company five complete copies of all materials provided by the Underwriters to prospective investors in such Offered Certificates which constitute "Collateral Term Sheets." Each delivery of a Collateral Term Sheet to the Company pursuant to this paragraph (a) shall be effected by delivering four copies of such materials to counsel for the Company on behalf of the Company at the address specified in Section 3 hereof and one copy of such materials to the Company. (Collateral Term Sheets and Structural Term Sheets are, together, referred to herein as "ABS Term Sheets.") At the time of each such delivery, the Underwriter making such delivery shall indicate in writing that the materials being delivered constitute Collateral Term Sheets, and, if there has been any prior such delivery with respect to the related Series, shall indicate whether such materials differ in any material respect from any Collateral Term Sheets previously delivered to the Company with respect to such Series pursuant to this Section 9(a) as a result of the occurrence of a material change in the characteristics of the related Mortgage Loans. (b) Each Underwriter represents and warrants to and agrees with the Company as of the date of the related Terms Agreement and as of the Closing Date, that: (i) The Collateral Term Sheets furnished to the Company by such Underwriter pursuant to Section 9(a) - 30 - constitute all of the materials furnished to prospective investors by such Underwriter prior to time of delivery thereof to the Company that are required to be filed with the Commission as "Collateral Term Sheets" with respect to the related Offered Certificates in accordance with the PSA Letter, and such Collateral Term Sheets comply with the requirements of the PSA Letter; (ii) On the date any such Collateral Term Sheets with respect to such Offered Certificates were last furnished to each prospective investor by such Underwriter and on the date of delivery thereof to the Company pursuant to Section 9(a) and on the related Closing Date, such Collateral Term Sheets did not and will not include any untrue statement of a material fact or, when read in conjunction with the Final Prospectus and Prospectus Supplement, omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; and (iii) such Underwriter has not represented to any prospective investor that any Collateral Term Sheets with respect to any Series were prepared or disseminated on behalf of the Company, and, except as otherwise disclosed by such Underwriter to the Company in writing prior to the date hereof, all Collateral Term Sheets previously furnished to prospective investors included a disclaimer to the effect set forth in Section 9(c). Notwithstanding the foregoing, each Underwriter makes no representation or warranty as to whether any Collateral Term Sheet included or will include any untrue statement or material omission resulting directly from any Mortgage Pool Error (except any Corrected Mortgage Pool Error, with respect to materials prepared after the receipt by such Underwriter from the Company of notice of such Corrected Mortgage Pool Error or materials superseding or correcting such Corrected Mortgage Pool Error). (c) Each Underwriter acknowledges and agrees that any Collateral Term Sheets with respect to any Series of Certificates furnished to prospective investors from and after the date hereof shall include a disclaimer in form satisfactory to the Company to the effect set forth in Section 8(d) hereof, and to the effect that the information contained in such materials supersedes information contained in any prior Collateral Term Sheet with respect to such Series of Offered Certificates and will be superseded by the description of the related Mortgage Loans in the related Prospectus Supplement and in the Detailed Description relating to such Prospectus Supplement to be filed under cover of Form 8-K. Each Underwriter agrees that it will not represent to prospective investors that any Collateral Term Sheets were prepared or disseminated on behalf of the Company. - 31 - (d) If, at any time when a prospectus relating to the Offered Certificates of a Series is required to be delivered under the Act, it shall be necessary to amend or supplement the related Final Prospectus as a result of an untrue statement of a material fact contained in any Collateral Term Sheets provided by any Underwriter pursuant to this Section 9 or the omission to state therein a material fact required, when considered in conjunction with the related Final Prospectus and Prospectus Supplement, to be stated therein or necessary to make the statements therein, when read in conjunction with the related Final Prospectus and Prospectus Supplement, not misleading, or if it shall be necessary to amend or supplement any Current Report relating to any Collateral Term Sheets to comply with the Act or the rules thereunder, such Underwriter promptly will prepare and furnish to the Company for filing with the Commission an amendment or supplement which will correct such statement or omission or an amendment which will effect such compliance. Each Underwriter represents and warrants to the Company, as of the date of delivery of such amendment or supplement to the Company, that such amendment or supplement will not include any untrue statement of a material fact or, when read in conjunction with the related Final Prospectus and Prospectus Supplement, omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading; provided, however, each such Underwriter makes no representation or warranty as to whether any such amendment or supplement will include any untrue statement resulting directly from any Mortgage Pool Error (except any Corrected Mortgage Pool Error, with respect to any such amendment or supplement prepared after the receipt by such Underwriter from the Company of notice of such Corrected Mortgage Pool Error or materials superseding or correcting such Corrected Mortgage Pool Error). The Company shall have no obligation to file such amendment or supplement if the Company determines that (i) such amendment or supplement contains any untrue statement of a material fact or, when read in conjunction with the related Final Prospectus and Prospectus Supplement, omits to state a material fact required to be stated therein or necessary to make the statements therein not misleading; it being understood, however, that the Company shall have no obligation to review or pass upon the accuracy or adequacy of, or to correct, any such amendment or supplement provided by any Underwriter to the Company pursuant to this paragraph (d) or (ii) such filing is not required under the Act. 10. Termination. This Agreement (with respect to a particular Certificate Offering) and the related Terms Agreement shall be subject to termination in the absolute discretion of the Underwriters, by notice given to the Company prior to delivery of and payment for the related Offered Certificates, if prior to the related Closing Date (i) trading in securities generally on the New York Stock Exchange shall have been suspended or materially limited, (ii) a general moratorium on commercial banking - 32 - activities in New York shall have been declared by either federal or New York State authorities, or (iii) there shall have occurred any outbreak or material escalation of hostilities or other calamity or crisis the effect of which on the financial markets of the United States is such as to make it, in the reasonable judgment of the Underwriters, impracticable to market such Offered Certificates. 11. Representations and Indemnities to Survive Delivery. The agreements, representations, warranties, indemnities and other statements of the Company or its officers and of the Underwriters set forth in or made pursuant to this Agreement and the related Terms Agreement will remain in full force and effect, regardless of any investigation made by or on behalf of the Underwriters or the Company or any of the officers, directors or controlling persons referred to in Section 7 hereof, and will survive delivery of and payment for the related Offered Certificates. The provisions of Section 7 hereof shall survive the termination or cancellation of this Agreement and the related Terms Agreement. 12. Default by One or More of the Underwriters. If any of the Underwriters shall fail on the Closing Date to purchase the Offered Certificates which it is obligated to purchase hereunder and under the applicable Terms Agreement (the "Defaulted Certificates"), you shall have the right, within 24 hours thereafter, to make arrangements for one or more of the non-defaulting Underwriters, or any other underwriters, to purchase all, but not less than all, of the Defaulted Certificates in such amounts as may be agreed upon and upon the terms herein set forth and under the applicable Terms Agreement. If, however, you have not completed such arrangements within such 24-hour period, then: (a) if the aggregate original Certificate Principal Balance of Defaulted Certificates does not exceed 10% of the aggregate original Certificate Principal Balance of the Offered Certificates to be purchased pursuant to such Terms Agreement, the non-defaulting Underwriters named in such Terms Agreement shall be obligated to purchase the full amount thereof in the proportions that their respective underwriting obligations thereunder bear to the underwriting obligations of all non-defaulting Underwriters; and (b) if the aggregate original Certificate Principal Balance of Defaulted Certificates exceeds 10% of the aggregate original Certificate Principal Balance of the Offered Certificates to be purchased pursuant to such Terms Agreement, the applicable Terms Agreement shall terminate without any liability on the part of any non-defaulting Underwriter. - 33 - No action taken pursuant to this Section 12 and nothing in this Agreement shall relieve any defaulting Underwriter from liability in respect of its default. In the event of any such default which does not result in a termination of this Agreement or such applicable Terms Agreement, either you or the Company shall have the right to postpone the Closing Date for a period of time not exceeding seven days in order to effect any required changes in the Registration Statement or in any other documents or arrangements. 13. Successors. This Agreement and the related Terms Agreement will inure to the benefit of and be binding upon the parties hereto and thereto and their respective successors and the officers, directors and controlling persons referred to in Section 7 hereof, and their successors and assigns, and no other person will have any right or obligation hereunder or thereunder. No purchaser of any Offered Certificate from the Underwriters shall be deemed a successor or assign by reason of such purchase. 14. APPLICABLE LAW. THIS AGREEMENT AND THE RELATED TERMS AGREEMENT WILL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK APPLICABLE TO AGREEMENTS MADE AND TO BE PERFORMED THEREIN. 15. Miscellaneous. This Agreement, as supplemented by the related Terms Agreement, supersedes all prior and contemporaneous agreements and understandings relating to the subject matter hereof. This Agreement and the related Terms Agreement or any term of each may not be changed, waived, discharged or terminated except by an affirmative written agreement made by the party against whom enforcement of the change, waiver, discharge or termination is sought. The headings in this Agreement and the related Terms Agreement are for purposes of reference only and shall not limit or otherwise affect the meaning hereof or thereof. 16. Notices. All communications hereunder will be in writing and effective only on receipt, and, if sent to the Underwriters, will be delivered to the Underwriters at the address first above written; or if sent to the Company, will be delivered to GE Capital Mortgage Services, Inc., Three Executive Campus, Cherry Hill, New Jersey 08002, Attention: General Counsel. - 34 - If the foregoing is in accordance with your understanding of our agreement, please sign and return to the undersigned a counterpart hereof, whereupon this letter and your acceptance shall represent a binding agreement between the Company and the Underwriters. Very truly yours, GE CAPITAL MORTGAGE SERVICES, INC. By:________________________________ Name: Title: The foregoing Agreement is hereby confirmed and accepted as of the date first above written. PRUDENTIAL SECURITIES INCORPORATED as Representative of the Underwriters named in the applicable Terms Agreement By:___________________________ Name: Title: EXHIBIT A GE CAPITAL MORTGAGE SERVICES, INC. REMIC MULTI-CLASS PASS-THROUGH CERTIFICATES SERIES ____-__ TERMS AGREEMENT (to Underwriting Agreement, dated September 24, 1996 between the Company and the Underwriters) GE Capital Mortgage Services, Inc. New York, New York Three Executive Campus [Date] Cherry Hill, NJ 08002 Each of Prudential Securities Incorporated [and ] (each an "Underwriter" and collectively the "Underwriters") agrees, severally and not jointly, subject to the terms and provisions herein and of the captioned Underwriting Agreement (the "Underwriting Agreement"), to purchase such Classes of Series ____-__ Certificates specified opposite its name in Section 2(a) hereof (the "Offered Certificates"). This letter supplements and modifies the Underwriting Agreement solely as it relates to the purchase and sale of the Offered Certificates described below. The Series ____-__ Certificates are registered with the Securities and Exchange Commission by means of an effective Registration Statement (No. 33-___). Capitalized terms used and not defined herein have the meanings given them in the Underwriting Agreement. Section 1. The Mortgage Pool: The Series ____-__ Certificates shall evidence the entire beneficial ownership interest in a mortgage pool (the "Mortgage Pool") of closed end, fixed rate, first- or second-lien, home equity mortgage loans (the "Mortgage Loans") having the characteristics described in the Prospectus Supplement dated the date hereof. Section 2. The Certificates: The Offered Certificates shall be issued as follows: (a) Classes: The Offered Certificates shall be issued with the following Class designations, interest rates and principal balances, subject in the aggregate to the variance referred to in Section 1(a)[and, as to any particular Class, to an upward or downward variance of up to [ ]%]: A-1 Principal Interest Class Purchase Underwriter Class Balance Rate Price Percentage (b) The Offered Certificates shall have such other characteristics as described in the related Final Prospectus. Section 3. Purchase Price: The Purchase Price for each Class of the Offered Certificates shall be the Class Purchase Price Percentage therefor (as set forth in Section 2(a) above) of the initial Class Certificates Principal Balance thereof plus accrued interest at the rate of [ ]% per annum from and including the Cut-off Date up to, but not including, _________ __, ____ (the "Closing Date"). Section 4. Required Ratings: The Offered Certificates shall have received Required Ratings of at least [ ] from [ ]. Section 5. Tax Treatment: [One or more elections will be made to treat the assets of the Trust Fund as a REMIC.] [The Trust Fund will be treated as a "grantor trust" for federal income tax purposes.] [Section 6. Additional Expenses:]* - -------- * to be inserted if applicable. A-2 If the foregoing is in accordance with your understanding of our agreement, please sign and return to the undersigned a counterpart hereof, whereupon this letter and your acceptance shall represent a binding agreement between the Underwriters and the Company. Very truly yours, PRUDENTIAL SECURITIES INCORPORATED By:_________________________________ Name: Title: [name of Underwriter] By:_________________________________ Name: Title: The foregoing Agreement is hereby confirmed and accepted as of the date first above written. GE CAPITAL MORTGAGE SERVICES, INC. By:______________________________ Name: Title: A-3 EX-1.1 3 EXECUTION GE CAPITAL MORTGAGE SERVICES, INC. REMIC MULTI-CLASS PASS-THROUGH CERTIFICATES SERIES 1997-HE4 TERMS AGREEMENT --------------- (to Underwriting Agreement, dated September 24, 1996 between the Company and the Underwriter) GE Capital Mortgage Services, Inc. New York, New York Three Executive Campus December 22, 1997 Cherry Hill, NJ 08002 Prudential Securities Incorporated (the "Underwriter") agrees, subject to the terms and provisions herein and of the captioned Underwriting Agreement (the "Underwriting Agreement"), to purchase the Classes of Series 1997-HE4 Certificates specified in Section 3 hereof (the "Offered Certificates"). This Terms Agreement supplements and modifies the Underwriting Agreement solely as it relates to the purchase and sale of the Offered Certificates described below. The Series 1997-HE4 Certificates are registered with the Securities and Exchange Commission by means of an effective Registration Statement (No. 333-24935). Capitalized terms used and not defined herein have the meanings given them in the Underwriting Agreement. Section 1. The Mortgage Pool: The Series 1997-HE4 Certificates shall evidence the entire beneficial ownership interest in a mortgage pool (the "Mortgage Pool") of closed end, fixed rate, first- or second-lien, home equity mortgage loans (the "Mortgage Loans") having the characteristics described in the Final Prospectus. Section 2. The Certificates: The Offered Certificates shall be issued as follows: (a) Classes: The Offered Certificates shall be issued with the following Class designations, interest rates and principal balances subject in the aggregate to a variance described in the Final Prospectus: Principal Interest Class Purchase Class Balance Rate Price Percentage - ----- --------- -------- ---------------- Class A1 $56,900,000 6.825% 99.750000 Class A2 20,000,000 6.565 99.750000 Class A3 30,000,000 6.590 99.750000 Class A4 10,000,000 6.765 99.750000 Class A5 13,400,000 6.800 99.750000 Class A6 23,411,000 7.170 99.750000 Class A7 17,063,000 6.735 99.750000 Class M 4,654,000 (1) 99.765625 Class B1 4,189,000 (1) 99.750000 Class B2 1,862,000 (1) 99.765625 Class R1 500 0.0000 (2) Class R2 500 0.0000 (2) - ------------------- (1) Interest will accrue on the Class M, Class B1 and Class B2 Certificates during the initial Interest Accrual Period at Certificate Interest Rates of 7.135%, 7.330% and 7.675% per annum, respectively, and during each subsequent Interest Accrual Period at Certificate Interest Rates equal to the lesser of (i) 7.135%, 7.330% and 7.675% per annum, respectively, and (ii) the Weighted Average Net Mortgage Rate of the Mortgage Loans as of the first day of the related Interest Accrual Period. (2) The aggregate Purchase Price of the Offered Certificates will be reduced by an amount in respect of the transfer of the Class R1 and Class R2 Certificates to Prudential, equal to approximately $22,000.00. (b) The Offered Certificates shall have such other characteristics as described in the Final Prospectus. Section 3. Purchase Price: The Purchase Price for each Class of the Offered Certificates shall be the Class Purchase Price Percentage therefor (as set forth in Section 2(a) above) of the initial Class Certificate Principal Balance thereof plus accrued interest at the applicable interest rate per annum of each such Class from and including December 1, 1997, up to, but not including, December 30, 1997 (the "Closing Date"). Section 4. Required Ratings: The Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class R1 and Class R2 Certificates shall have received Required Ratings of at least "Aaa" from Moody's Investors Service ("Moody's") and "AAA" from Fitch Investors Service, L.P., and the Class M, Class B1 and Class B2 Certificates shall have received Required Ratings of at least "Aa2", "A2", and "Baa2", respectively, by Moody's. Section 5. Tax Treatment: One or more elections will be made to treat the assets of the Trust Fund as a REMIC (other than assets excluded from a REMIC as described in the Final Prospectus). 2 Section 6: Underwriter-Provided Information: The Company acknowledges that the information set forth in (i) the second sentence of the paragraph immediately preceding the table on the cover page of the Final Prospectus, (ii) the last paragraph on the cover page of the Final Prospectus, (iii) the first table under the caption "Plan of Distribution" and the third sentence immediately thereafter in the Final Prospectus and (iv) the second table under the caption "Plan of Distribution" and the first and ninth sentences immediately thereafter in the Final Prospectus, as such information relates to the Offered Certificates, constitute the only information furnished in writing by or on behalf of the Underwriter for inclusion in such Final Prospectus, and the Underwriter confirms that such statements are correct. 3 If the foregoing is in accordance with your understanding of our agreement, please sign and return to the undersigned a counterpart hereof, whereupon this letter and your acceptance shall represent a binding agreement between the Underwriter and the Company. Very truly yours, PRUDENTIAL SECURITIES INCORPORATED By:________________________________ Name: Title: The foregoing Agreement is hereby confirmed and accepted as of the date hereof. GE CAPITAL MORTGAGE SERVICES, INC. By:_______________________________ Name: Title: EX-4.1 4 Execution ________________________________________________________________________ GE CAPITAL MORTGAGE SERVICES, INC., Seller and Servicer and THE FIRST NATIONAL BANK OF CHICAGO, Trustee _____________________________________ POOLING AND SERVICING AGREEMENT Dated as of December 1, 1997 _____________________________________ Home Equity Loan Pass-Through Certificates, Series 1997-HE4 ________________________________________________________________________ Section Page - ------- ---- TABLE OF CONTENTS ----------------- ARTICLE I DEFINITIONS 1.01. Definitions.............................................. 1 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES 2.01. Conveyance of Mortgage Loans............................. 38 2.02. Acceptance by Trustee.................................... 41 2.03. Representations and Warranties of the Company; Mortgage Loan Repurchase................................ 43 2.04. Execution of Certificates................................ 49 2.05. The REMICs............................................... 49 2.06. Designations under the REMIC Provisions.................. 51 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS 3.01. Company to Act as Servicer............................... 52 3.02. Collection of Certain Mortgage Loan Payments; Mortgage Loan Payment Record; Certificate Account....... 57 3.03. [Omitted]................................................ 60 3.04. Permitted Debits to the Mortgage Loan Payment Record..... 61 3.05. [Omitted]................................................ 62 3.06. Maintenance of Hazard Insurance.......................... 62 3.07. Assumption and Modification Agreements................... 63 3.08. Realization Upon Defaulted Mortgage Loans................ 64 3.09. Trustee to Cooperate; Release of Mortgage Files.......... 67 3.10. Servicing Compensation; Payment of Certain Expenses by the Company.......................................... 68 3.11. Reports to the Trustee; Certificate Account Statements.............................................. 69 3.12. Annual Statement as to Compliance........................ 69 3.13. Annual Independent Public Accountants' Servicing Report.................................................. 69 3.14. Access to Certain Documentation and Information Regarding the Mortgage Loans............................ 70 3.15. Maintenance of Certain Servicing Policies................ 70 3.16. Optional Purchase of Defaulted Mortgage Loans............ 70 i Section Page - ------- ---- ARTICLE IV PAYMENTS AND STATEMENTS 4.01. Distributions............................................ 71 4.02. Method of Distribution................................... 74 4.03. Allocation of Losses..................................... 75 4.04. Monthly Advances; Purchases of Defaulted Mortgage Loans................................................... 77 4.05. Statements to Certificateholders......................... 78 4.06. Servicer's Certificate................................... 80 4.07. Reports of Foreclosures and Abandonments of Mortgaged Property...................................... 80 4.08. Reduction of Servicing Compensation; Simple Interest Shortfall Payments............................. 81 ARTICLE V THE CERTIFICATES 5.01. The Certificates......................................... 81 5.02. Registration of Transfer and Exchange of Certificates............................................ 83 5.03. Mutilated, Destroyed, Lost or Stolen Certificates........ 91 5.04. Persons Deemed Owners.................................... 91 5.05. Access to List of Certificateholders' Names and Addresses........................................... 91 5.06. Representation of Certain Certificateholders............. 92 ARTICLE VI THE COMPANY 6.01. Liability of the Company................................. 92 6.02. Merger or Consolidation of, or Assumption of the Obligations of, the Company............................. 92 6.03. Assignment............................................... 93 6.04. Limitation on Liability of the Company and Others........ 93 6.05. The Company Not to Resign................................ 94 ARTICLE VII DEFAULT 7.01. Events of Default........................................ 94 7.02. Trustee to Act; Appointment of Successor................. 96 7.03. Notification to Certificateholders....................... 97 ii Section Page - ------- ---- ARTICLE VIII THE TRUSTEE 8.01. Duties of Trustee........................................ 97 8.02. Certain Matters Affecting the Trustee.................... 99 8.03. Trustee Not Liable for Certificates or Mortgage Loans...................................................101 8.04. Trustee May Own Certificates.............................101 8.05. The Company to Pay Trustee's Fees and Expenses...........101 8.06. Eligibility Requirements for Trustee.....................102 8.07. Resignation or Removal of Trustee........................102 8.08. Successor Trustee........................................103 8.09. Merger or Consolidation of Trustee.......................104 8.10. Appointment of Co-Trustee or Separate Trustee............104 8.11. Compliance with REMIC Provisions; Tax Returns............105 ARTICLE IX TERMINATION 9.01. Termination upon Repurchase by the Company or Liquidation of All Mortgage Loans.......................106 9.02. Additional Termination Requirements......................108 ARTICLE X MISCELLANEOUS PROVISIONS 10.01. Amendment...............................................108 10.02. Recordation of Agreement................................110 10.03. Limitation on Rights of Certificateholders..............110 10.04. Governing Law...........................................111 10.05. Notices.................................................111 10.06. Notices to the Rating Agencies..........................112 10.07. Severability of Provisions..............................112 10.08. Certificates Nonassessable and Fully Paid...............112 iii Exhibits -------- EXHIBIT A Forms of Certificates EXHIBIT B [Omitted] EXHIBIT C Mortgage Loans EXHIBIT D Form of Servicer's Certificate EXHIBIT E Form of Transfer Certificate as to ERISA Matters for Definitive ERISA-Restricted Certificates EXHIBIT F Form of Residual Certificate Transferee Affidavit EXHIBIT G Form of Residual Certificate Transferor Letter EXHIBIT H Additional Servicer Compensation EXHIBIT I Form of Investment Letter for Definitive Restricted Certificates EXHIBIT J Form of Distribution Date Statement EXHIBIT K Form of Special Servicing and Collateral Fund Agreement EXHIBIT L Form of Lost Note Affidavit and Agreement EXHIBIT M Schedule of Streamlined Portfolio Program Mortgage Loans Without Title Insurance EXHIBIT N Schedule of Designated Loans iv THIS POOLING AND SERVICING AGREEMENT, dated as of December 1, 1997, between GE CAPITAL MORTGAGE SERVICES, INC., a corporation organized and existing under the laws of the State of New Jersey, and THE FIRST NATIONAL BANK OF CHICAGO, a national banking association, as Trustee. W I T N E S S E T H T H A T : In consideration of the mutual agreements herein contained, GE Capital Mortgage Services, Inc. and The First National Bank of Chicago 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 following meanings: Accrued Certificate Interest: As to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates), interest accrued during the related Interest Accrual Period at the applicable Certificate Interest Rate on the Class Certificate Principal Balance thereof immediately prior (or, in the case of the Class S Certificates, on the aggregate Notional Principal Balance thereof with respect) to such Distribution Date, calculated on the basis of a 360-day year consisting of twelve 30-day months. Accrued Certificate Interest on each Class of Certificates (other than any Class of Principal Only Certificates) shall be reduced by such Class's share of the amount of any Net Interest Shortfall and Interest Losses for such Distribution Date. Any Net Interest Shortfall and Interest Losses shall be allocated among the Classes of Certificates (other than any Class of Principal Only Certificates) in proportion to the respective amounts of Accrued Certificate Interest that would have resulted absent such shortfall or losses. Agreement: This Pooling and Servicing Agreement and all amendments hereof and supplements hereto. Allocable Share: (a) As to any Distribution Date and amounts distributable pursuant to clauses (i) and (iii) of the definition of Junior Principal Distribution Amount, and as to each Class of Junior Certificates, the fraction, expressed as a percentage, the numerator of which is the Class Certificate Principal Balance of such Class immediately prior to such Distribution Date and the denominator of which is the aggregate Class Certificate Principal Balance of the Junior Certificates immediately prior to such Distribution Date. (b) As to any Distribution Date and amounts distributable pursuant to clauses (ii), (iv) and (v) of the definition of Junior Principal Distribution Amount, and as to the Class M Certificates and each Class of Class B Certificates for which the related Prepayment Distribution Trigger has been satisfied on such Distribution Date, the fraction, expressed as a percentage, the numerator of which is the Class Certificate Principal Balance of such Class and the denominator of which is the aggregate Class Certificate Principal Balance of all such Classes as to which the related Prepayment Distribution Trigger has been satisfied. As to any Distribution Date and each Class of Class B Certificates for which the related Prepayment Distribution Trigger has not been satisfied on such Distribution Date, 0%. Amortization Payment: As to any REO Mortgage Loan and any month, the payment of principal and accrued interest due in such month in accordance with the terms of the related Mortgage Note as contemplated by Section 3.08(b). Amount Held for Future Distribution: As to each Distribution Date, the total of all amounts credited to the Mortgage Loan Payment Record as of the preceding Determination Date on account of (i) Principal Prepayments, Insurance Proceeds and Liquidation Proceeds received subsequent to the preceding Prepayment Period applicable to such receipts, (ii) monthly payments of interest due on a Self-Amortizing Mortgage Loan subsequent to the Due Date in the Collection Period relating to such Distribution Date, and (iii) any payments of principal, other than such payments described in clause (i) above, received subsequent to the immediately preceding Collection Period. Anniversary Determination Date: The Determination Date occurring in January of each year that the Certificates are outstanding, commencing in January 1999. Assumed Monthly Payment Reduction: As of any Anniversary Determination Date and as to any Non-Primary Residence Loan remaining in the Mortgage Pool whose original principal balance was 80% or greater of the Original Value thereof, the excess of (i) the Monthly Payment thereof calculated on the assumption that the Mortgage Rate thereon was equal to the weighted average (by principal balance) of 2 the Net Mortgage Rates of all Outstanding Mortgage Loans (the "Weighted Average Rate") as of such Anniversary Determination Date over (ii) the Monthly Payment thereof calculated on the assumption that the Net Mortgage Rate thereon was equal to the Weighted Average Rate less 1.25% per annum. Available Funds: As to each Distribution Date, an amount equal to the sum of (i) all amounts credited to the Mortgage Loan Payment Record pursuant to Section 3.02 as of the preceding Determination Date, (ii) any Monthly Advance, Compensating Interest Payment and Simple Interest Shortfall Payment for such Distribution Date, (iii) the Purchase Price of any Defective Mortgage Loans and Defaulted Mortgage Loans deposited in the Certificate Account on the Business Day preceding such Distribution Date (including any amounts deposited in the Certificate Account in connection with any substitution of a Mortgage Loan as specified in Section 2.03(b)), and (iv) the purchase price of any defaulted Mortgage Loan purchased under an agreement entered into pursuant to Section 3.08(e) as of the end of the preceding Prepayment Period, less the sum of (x) the Amount Held for Future Distribution, (y) the amount of any Unanticipated Recovery credited to the Mortgage Loan Payment in respect of such Mortgage Pool pursuant to clause (vi) of Section 3.02 and (z) amounts permitted to be debited from the Mortgage Loan Payment Record pursuant to clauses (i) through (vii) of Section 3.04. For purposes of calculating Available Funds on any Distribution Date the Nonrecoverable Advance Reimbursement for such date shall be allocated first in reduction of amounts attributable to interest, and second in reduction of amounts attributable to principal. Available Interest Funds: As to each Distribution Date, the portion of Available Funds attributable to interest. Available Principal Funds: As to each Distribution Date, the portion of Available Funds attributable to principal. Balloon Mortgage Loan: A Mortgage Loan which by its terms provides for a principal payment at its stated maturity (as specified in the Mortgage Loan Schedule) that is substantially larger than the principal component of monthly payments required to be made by the Mortgagor pursuant to the terms of the related Mortgage Note on earlier Due Dates. 3 Bankruptcy Coverage Termination Date: The Distribution Date upon which the Bankruptcy Loss Amount has been reduced to zero or a negative number (or the Cross-Over Date, if earlier). Bankruptcy Loss Amount: As of any Determination Date prior to the first Anniversary Determination Date, the Bankruptcy Loss Amount shall equal $50,000, as reduced by the aggregate amount of Deficient Valuations since the Cutoff Date. As of any Determination Date after the first Anniversary Determination Date, other than an Anniversary Determination Date, the Bankruptcy Loss Amount shall equal the Bankruptcy Loss Amount on the immediately preceding Anniversary Determination Date as reduced by the aggregate amount of Deficient Valuations since such preceding Anniversary Determination Date. As of any Anniversary Determination Date, the Bankruptcy Loss Amount shall equal the lesser of (x) the Bankruptcy Loss Amount as of the preceding Anniversary Determination Date as reduced by any Deficient Valuations for the preceding Distribution Date, and (y) the Fitch Formula Amount for such Anniversary Determination Date. The Bankruptcy Loss Amount may be further reduced by the Company (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Company shall obtain written confirmation from each Rating Agency that such reduction shall not adversely affect the then-current rating assigned to the related Classes of Certificates by such Rating Agency and shall provide a copy of such written confirmation to the Trustee. BIF: The Bank Insurance Fund of the FDIC, or its successor in interest. Book-Entry Certificate: Any Certificate registered in the name of the Depository or its nominee, ownership of which is reflected on the books of the Depository or on the books of a person maintaining an account with such Depository (directly or as an indirect participant in accordance with the rules of such Depository). As of the Closing Date, each Class of Certificates, other than the Class B3, Class B4, Class B5, Class R1, Class R2 and Class S Certificates, constitutes a Class of Book-Entry Certificates. Book-Entry Nominee: As defined in Section 5.02(b). 4 Business Day: Any day other than a Saturday or a Sunday, or a day on which banking institutions in New York City or the city in which the Corporate Trust Office is located are authorized or obligated by law or executive order to be closed. Buydown Funds: Funds contributed by the Mortgagor or another source in order to reduce the interest payments required from the Mortgagor for a specified period in specified amounts. Buydown Mortgage Loan: Any Mortgage Loan as to which the Mortgagor pays less than the full monthly payment specified in the Mortgage Note during the Buydown Period and the difference between the amount paid by the Mortgagor and the amount specified in the Mortgage Note is paid from the related Buydown Funds. Buydown Period: The period during which Buydown Funds are required to be applied to the related Buydown Mortgage Loan. Certificate: Any one of the certificates signed and countersigned by the Trustee in substantially the forms attached hereto as Exhibit A. Certificate Account: The trust account or accounts created and maintained with the Trustee pursuant to Section 3.02 and which must be an Eligible Account. Certificate Interest Rate: With respect to any Class of Certificates other than any Class of Principal Only Certificates and the Class M, Class B and Class S Certificates and any Distribution Date, the fixed per annum rate specified in Section 5.01(b). With respect to the Class S Certificates and any Distribution Date, the Strip Rate for such Distribution Date. With respect to the Class B3, Class B4 and Class B5 Certificates and any Distribution Date, the Weighted Average Net Mortgage Rate. With respect to the Class M, Class B1 and Class B2 Certificates and the first Distribution Date, 7.135%, 7.330% and 7.675% per annum, respectively; and for each subsequent Distribution Date, the lesser of (x) the Weighted Average Net Mortgage Rate for such Distribution Date and (y) 7.135%, 7.330% and 7.675% per annum, respectively. 5 The Principal Only Certificates are issued without a Certificate Interest Rate. Certificate Owner: With respect to any Book-Entry Certificate, the person who is the beneficial owner thereof. Certificate Principal Balance: As to any Certificate other than a Notional Certificate, and as of any Distribution Date, the Initial Certificate Principal Balance of such Certificate less the sum of (i) all amounts distributed with respect to such Certificate in reduction of the Certificate Principal Balance thereof on previous Distribution Dates pursuant to Section 4.01, (ii) any Realized Losses allocated to such Certificate on previous Distribution Dates pursuant to Section 4.03(b) and (c), and (iii) in the case of a Subordinate Certificate, such Certificate's Percentage Interest of the Subordinate Certificate Writedown Amount allocated to such Certificate on previous Distribution Dates. The Notional Certificates are issued without Certificate Principal Balances. Certificate Register and Certificate Registrar: The register maintained and the registrar appointed pursuant to Section 5.02. Certificateholder or Holder: The person in whose name a Certificate is registered in the Certificate Register, except that, solely for the purposes of giving any consent pursuant to this Agreement, a Certificate of any Class to the extent that the Company or any affiliate is the Certificate Owner or Holder thereof (except to the extent the Company or any affiliate thereof shall be the Certificate Owner or Holder of all Certificates of such Class), 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 has been obtained; provided, however, that in determining whether the Trustee shall be protected in relying on such consent only the Certificates that the Trustee knows to be so held shall be so disregarded. Class: All Certificates bearing the same class designation or any Lower Tier Interest. Class A7 Certificate Percentage: As to any Distribution Date, the percentage (carried to six places rounded up) obtained by dividing the Class Certificate Balance of the Class A7 Certificates immediately preceding 6 such Distribution Date by an amount equal to the aggregate Certificate Principal Balance of the Senior Certificates immediately preceding such Distribution Date. Class A7 Distribution Percentage: For any Distribution Date occurring during the periods set forth below, as follows: (i) for the Distribution Date occurring in January 1998 to and including the Distribution Date in December 2000, 0%; (ii) for the Distribution Date occurring in January 2001 to and including the Distribution Date in December 2002, 45%; (iii) for the Distribution Date occurring in January 2003 to and including the Distribution Date in December 2003, 80%; (iv) for the Distribution Date occurring in January 2004 to and including the Distribution Date in December 2004, 100%; and (v) for the Distribution Date occurring in January 2005 and any Distribution Date thereafter, 300%. Notwithstanding the foregoing, on any Distribution Date following the Senior Transition Date, the Class A7 Distribution Percentage will be equal to 100%. Class A7 Principal Distribution Amount: As to any Distribution Date an amount equal to the lesser of (x) the product of (a) the Senior Principal Distribution Amount for such Distribution Date, (b) the Class A7 Distribution Percentage for such Distribution Date and (c) the Class A7 Certificate Percentage for such Distribution Date and (y) the Senior Principal Distribution Amount with respect to such Distribution Date; provided, however, that with respect to any Distribution Date on or after the Senior Transition Date, the Class A7 Principal Distribution Amount will equal the Senior Principal Distribution Amount (less, on the Senior Transition Date, amounts applied in reduction of the Certificate Principal Balance of the Class A1, Class A2, Class A3, Class A4, Class A5 and Class A6 Certificates to zero on such date). Class B Certificate: Any Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate. 7 Class Certificate Principal Balance: As to any Class of Certificates, other than any Class of Notional Certificates, and any date of determination, the aggregate of the Certificate Principal Balances of all Certificates of such Class. The Class Certificate Principal Balance of each such Class of Certificates as of the Closing Date is specified in Section 5.01(b). Class Interest Shortfall: As to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates), any amount by which the amount distributed to Holders of such Class of Certificates on such Distribution Date is less than the Accrued Certificate Interest thereon for such Distribution Date (including the applicable Simple Interest Shortfall Percentage of any Unpaid Net Simple Interest Shortfall). Closing Date: December 30, 1997. Code: The Internal Revenue Code of 1986, as it may be amended from time to time, any successor statutes thereto, and applicable U.S. Department of the Treasury temporary or final regulations promulgated thereunder. Collection Period: As to any Distribution Date, the calendar month next preceding the month in which such Distribution Date occurs. Company: GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey, or its successor in interest or, if any successor servicer is appointed as herein provided, then such successor servicer. Compensating Interest Payment: With respect to any Distribution Date, an amount equal to the aggregate of the Interest Shortfalls described in clauses (a) and (b) of the definition thereof with respect to such Distribution Date; provided, however, that such amount shall not exceed the lesser of (i) an amount equal to the product of (x) the aggregate Principal Balance of the Mortgage Loans with respect to such Distribution Date and (y) one-twelfth of 0.125%, and (ii) the aggregate of the Servicing Fees that the Company would be entitled to retain on such Distribution Date (less any portion thereof paid as servicing compensation to any Primary Servicer) without giving effect to any Compensating Interest Payment or Simple Interest Shortfall Payment. 8 Confirmatory Mortgage Note: With respect to any Mortgage Loan, a note or other evidence of indebtedness executed by the Mortgagor confirming its obligation under the note or other evidence of indebtedness previously executed by the Mortgagor upon the origination of the related Mortgage Loan. Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business shall be administered, which office at the date of the execution of this instrument is located at One First National Plaza, Suite 0126, Chicago, Illinois 60670-0126, Attention: Corporate Trust Services; except that for purposes of Section 5.02, such term shall mean the office or agency of the Trustee in the Borough of Manhattan, the City of New York, which office at the date hereof is located at 14 Wall Street, Eighth Floor, New York, New York 10005. Corresponding Class: With respect to any Class of Lower Tier Interests, the Class or Classes of Certificates, and with respect to any Class of Certificates, the Class or Classes of Lower Tier Interests, appearing opposite such Class of Lower Tier Interests or Certificates in the table included in Section 2.05(a). Cross-Over Date: The first Distribution Date on which the aggregate Class Certificate Principal Balance of the Junior Certificates has been reduced to zero (giving effect to all distributions on such Distribution Date). Cut-off Date: December 1, 1997. Defaulted Mortgage Loan: With respect to any Determination Date, a Mortgage Loan as to which the related Mortgagor has failed to make unexcused payment in full of a total of three or more consecutive installments of principal and interest, and as to which such delinquent installments have not been paid, as of the close of business on the last Business Day of the month next preceding the month of such Determination Date. Defective Mortgage Loan: Any Mortgage Loan which is required to be purchased by the Company (or which the Company may replace with a substitute Mortgage Loan) pursuant to Section 2.02 or 2.03(a). Deficient Valuation: As to any Mortgage Loan and any Determination Date, the excess of (a) the then outstanding indebtedness under such Mortgage Loan over (b) the valuation by a court of competent jurisdiction of the related 9 Mortgaged Property as a result of a proceeding initiated by or against the related Mortgagor under the Bankruptcy Code, as amended from time to time (11 U.S.C.), pursuant to which such Mortgagor retained such Mortgaged Property. Definitive Certificate: Any Certificate, other than a Book-Entry Certificate, issued in definitive, fully registered form. Definitive Restricted Junior Certificate: Any Restricted Junior Certificate that is in the form of a Definitive Certificate. Deposit Date: As to any Distribution Date, the Business Day next preceding such Distribution Date. Depository: The initial Depository shall be The Depository Trust Company, the nominee of which is CEDE & Co. The Depository shall at all times be a "clearing corporation" as defined in Section 8-102(3) of the Uniform Commercial Code of the State of New York, as amended, or any successor provisions thereto. Depository Participant: A broker, dealer, bank or other financial institution or other Person for which, from time to time, the Depository effects book-entry transfers and pledges of securities deposited with such Depository. Designated Loan Closing Documents: With respect to any Designated Loan, a Lost Note Affidavit substantially in the form of Exhibit L, and an assignment of the related Mortgage to the Trustee in recordable form (except for the omission therein of recording information concerning such Mortgage). Designated Loans: The Mortgage Loans identified on Exhibit N hereto. Determination Date: With respect to any Distribution Date, the fifth Business Day prior thereto. Disqualified Organization: Any of the following: (i) the United States, any State or political subdivision thereof, or any agency or instrumentality of any of the foregoing (including but not limited to state pension organizations); (ii) a foreign government, International Organization or any agency or instrumentality of either of the foregoing; (iii) an organization (except certain farmers' cooperatives described in Code section 521) which is exempt from tax imposed by Chapter 1 of the Code (including the tax imposed by section 511 of the Code on 10 unrelated business taxable income); and (iv) a rural electric and telephone cooperative described in Code section 1381(a)(2)(C). The terms "United States," "State" and "International Organization" shall have the meanings set forth in Code section 7701 or successor provisions. A corporation will not be treated as an instrumentality of the United States or of any State or political subdivision thereof for these purposes if all of its activities are subject to tax and a majority of its board of directors is not selected by such governmental unit. Distribution Date: The 25th day of each calendar month after the month of initial issuance of the Certificates, or, if such 25th day is not a Business Day, the next succeeding Business Day. Distribution Date Statement: The statement referred to in Section 4.05(a). Document File: As defined in Section 2.01. Due Date: With respect to any Mortgage Loan, the date during any Collection Period on which a Monthly Payment or balloon payment is first due. Early Installment: As to each Distribution Date and any Self-Amortizing Mortgage Loan, any Monthly Payment due on such Mortgage Loan subsequent to the Due Date in the Collection Period relating to such Distribution Date and both (x) received during such Collection Period and (y) designated by the related Mortgagor as an advance Monthly Payment. Eligible Account: An account that is either (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in one of its two highest long-term rating categories and has been assigned by Moody's its highest short-term rating, (ii) an account or accounts the deposits in which are fully insured by either the BIF or the SAIF, (iii) an account or accounts, in a depository institution in which such accounts are insured by the BIF or the SAIF (to the limits established by the FDIC), the uninsured deposits in which accounts are either invested in Permitted Investments or are otherwise secured to the extent required by the Rating Agencies such that, as evidenced by an Opinion of Counsel delivered to the Trustee, the Certificateholders 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 11 such funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained, (iv) a trust account maintained with the corporate trust department of a federal or state chartered depository institution or of a trust company with trust powers and acting in its fiduciary capacity for the benefit of the Trustee hereunder or (v) such account as will not cause either Rating Agency to downgrade or withdraw its then-current rating assigned to the Certificates, as evidenced in writing by the Rating Agencies. ERISA: The Employee Retirement Income Security Act of 1974, as amended. ERISA-Restricted Certificate: Any Class M, Class B or Class S Certificate. Event of Default: An event described in Section 7.01. Excess Bankruptcy Loss: Any Deficient Valuation or portion thereof (i) occurring after the Bankruptcy Coverage Termination Date or (ii) if on such date, in excess of the then-applicable Bankruptcy Loss Amount. Excess Fraud Loss: Any Fraud Loss, or portion thereof, (i) occurring after the Fraud Coverage Termination Date or (ii) if on such date, in excess of the then-applicable Fraud Loss Amount. Excess Loss: Any Excess Bankruptcy Loss, Excess Fraud Loss or Excess Special Hazard Loss. Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof, (i) occurring after the Special Hazard Termination Date or (ii) if on such date, in excess of the then-applicable Special Hazard Loss Amount. FDIC: The Federal Deposit Insurance Corporation, or its successor in interest. FEMA: The Federal Emergency Management Agency, or its successor in interest. FHLMC: The Federal Home Loan Mortgage Corporation or its successor in interest. Financial Intermediary: A broker, dealer, bank or other financial institution or other Person that clears 12 through or maintains a custodial relationship with a Depository Participant. Fitch: Fitch IBCA, Inc. and its successors. Fitch Formula Amount: As to each Anniversary Determination Date, the greater of (i) $50,000 and (ii) the product of (x) the greatest Assumed Monthly Payment Reduction for any Non-Primary Residence Loan whose original principal balance was 80% or greater of the Original Value thereof, (y) the weighted average remaining term to maturity (expressed in months) of all the Non-Primary Residence Loans remaining in the Mortgage Pool as of such Anniversary Determination Date, and (z) the sum of (A) one plus (B) the number of all remaining Non-Primary Residence Loans divided by the total number of Outstanding Mortgage Loans as of such Anniversary Determination Date. FNMA: The Federal National Mortgage Association or its successor in interest. Fraud Coverage Termination Date: The Distribution Date upon which the related Fraud Loss Amount has been reduced to zero or a negative number (or the Cross-Over Date, if earlier). Fraud Loss: Any Realized Loss attributable to fraud in the origination of the related Mortgage Loan. Fraud Loss Amount: As of any Distribution Date after the Cut-off Date, (x) prior to the first anniversary of the Cut-off Date, an amount equal to $3,722,689 minus the aggregate amount of Fraud Losses that would have been allocated to the Junior Certificates in accordance with Section 4.03 in the absence of the Loss Allocation Limitation since the Cut-off Date, and (y) from the first through the fourth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the Fraud Losses that would have been allocated to the Junior Certificates in accordance with Section 4.03 in the absence of the Loss Allocation Limitation since the most recent anniversary of the Cut-off Date. After the fourth anniversary of the Cut-off Date the Fraud Loss Amount shall be zero. GECC: General Electric Capital Corporation and its successors in interest. 13 Initial Certificate Principal Balance: With respect to any Certificate, other than a Notional Certificate, the Certificate Principal Balance of such Certificate or any predecessor Certificate on the Closing Date. Insurance Proceeds: Proceeds paid by any insurer pursuant to any insurance policy covering a Mortgage Loan. Insured Expenses: Expenses covered by any insurance policy or policies applicable to the Mortgage Loans. Interest Accrual Period: With respect to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates), the one-month period ending on the last day of the month preceding the month in which such Distribution Date occurs. Interest Losses: The interest portion of (i) on or prior to the Cross-Over Date, any Excess Losses and (ii) after the Cross-Over Date, any Realized Losses. Interest Shortfall: With respect to any Distribution Date and each Mortgage Loan that during the related Prepayment Period was the subject of a Voluntary Principal Prepayment or constitutes a Relief Act Mortgage Loan, an amount determined as follows: (a) As to any Self-Amortizing Mortgage Loan as to which a partial principal prepayment is received during the related Collection Period, one month's interest at the applicable Net Mortgage Rate on the amount of such prepayment; (b) As to any Self-Amortizing Mortgage Loan as to which a principal prepayment in full is received on or after the sixteenth day of the month preceding the month of such Distribution Date (or, in the case of the first Distribution Date, on or after the Cut-off Date) but on or before the last day of the month preceding the month of such Distribution Date, the difference between (i) one month's interest at the applicable Net Mortgage Rate on the Principal Balance of such Mortgage Loan immediately prior to such prepayment and (ii) the amount of interest for the calendar month of such pre-payment (adjusted to the applicable Net Mortgage Rate) received at the time of such prepayment; (c) As to any Self-Amortizing Mortgage Loan as to which a principal prepayment in full is received by the Company (or of which the Company receives notice, in 14 the case of a Mortgage Loan serviced by a Primary Servicer) on or after the first day but on or before the fifteenth day of the month of such Distribution Date, none; and (d) Relief Act Mortgage Loans: As to any Self- Amortizing Mortgage Loan that becomes a Relief Act Mortgage Loan, the excess of (i) 30 days' interest (or, in the case of a Principal Prepayment in full, interest to the date of prepayment) on the Principal Balance thereof (or, in the case of a Principal Prepayment in part, on the amount so prepaid) at the related Net Mortgage Rate over (ii) 30 days' interest (or, in the case of a Principal Prepayment in full, interest to the date of prepayment) on such Principal Balance (or, in the case of a Principal Prepayment in part, on the amount so prepaid) at the Net Mortgage Rate required to be paid by the Mortgagor as limited by application of the Relief Act. As to any Simple Interest Mortgage Loan that becomes a Relief Act Mortgage Loan, the excess of (i) the amount of any payment that would have been allocated to interest on the basis of the related Net Mortgage Rate over (ii) the amount of such payment allocated to interest on the basis of the Net Mortgage Rate required to be paid by the Mortgagor as limited by the application of the Relief Act, in each case calculated in accordance with the Simple Interest Method. Junior Certificate: Any Class M or Class B Certificate. Junior Percentage: As to any Distribution Date, the excess of 100% over the Senior Percentage for such Distribution Date. Junior Prepayment Percentage: As to any Distribution Date, the excess of 100% over the Senior Prepayment Percentage for such Distribution Date, except that (i) after the aggregate Certificate Principal Balance of the Senior Certificates has been reduced to zero, the Junior Prepayment Percentage shall be 100%, and (ii) after the Cross-Over Date, the Junior Prepayment Percentage shall be zero. Junior Principal Distribution Amount: As to any Distribution Date, an amount equal to the sum of the following (but in no event greater than the aggregate Certificate Principal Balance of the Junior Certificates immediately prior to such Distribution Date): 15 (i) the Junior Percentage of all payments of principal received on the Mortgage Loans during the related Collection Period, other than payments of principal described in clauses (ii) through (v) below; (ii) the Junior Prepayment Percentage of all principal prepayments in part (other than the principal portion of Early Installments) received with respect to Self-Amortizing Mortgage Loans during the related Prepayment Period, together with the Junior Prepayment Percentage of the Principal Balance of each Mortgage Loan which was the subject of a Voluntary Principal Prepayment in full during the related Prepayment Period; (iii) the Junior Prepayment Percentage of the sum of (A) all Net Liquidation Proceeds allocable to principal received during the related Prepayment Period (other than in respect of Mortgage Loans described in clause (B)) and (B) the principal balance of each Mortgage Loan that was purchased by an insurer from the Trustee during the related Prepayment Period pursuant to any related insurance policy; (the Junior Prepayment Percentage of the Principal Balance of each Mortgage Loan which was purchased on such Distribution Date pursuant to Section 2.02, 2.03(a) or 3.16; and (v) the Junior Prepayment Percentage of the Substitution Amount for any Mortgage Loan substituted during the month of such Distribution Date, minus the product of the Junior Percentage for such Distribution Date and the amount, if any, by which the Available Funds for such Distribution date has been reduced pursuant to clause second of the last sentence of the definition of Available Funds. For purposes of clause (ii) above, a Voluntary Principal Prepayment in full with respect to a Mortgage Loan serviced by a Primary Servicer shall be deemed to have been received when the Company, as servicer, receives notice thereof. Latest Possible Maturity Date: November 30, 2029. 16 Liquidated Mortgage Loan: Any defaulted Mortgage Loan as to which the Company has determined that all amounts which it expects to recover from or on account of such Mortgage Loan have been recovered, including any Mortgage Loan with respect to which the Company determines not to foreclose upon the related Mortgaged Property based on its belief that such Mortgaged Property may be contaminated with or affected by hazardous or toxic wastes, materials or substances. Liquidation Expenses: Expenses which are incurred by the Company in connection with the liquidation of any defaulted Mortgage Loan and not recovered by the Company, such expenses including, without limitation, legal fees and expenses, and, regardless of when incurred, any unreimbursed amount expended by the Company pursuant to Section 3.06 respecting the related Mortgage Loan and any related and unreimbursed Property Protection Expenses. Liquidation Proceeds: Cash (other than Insurance Proceeds) received in connection with the liquidation of any defaulted Mortgage Loan whether through judicial foreclosure or otherwise. Loan Conditions: In order to be a Permitted Senior Lien as referred to in Section 3.01, any refinancing of an existing first mortgage loan ("Refinanced Loan") must satisfy the following: (i) the Second Lien Combined Loan-to-Value Ratio of the Principal Balance of the Refinanced Loan and the principal balance of the related Mortgage Loan at the time of origination of the Refinanced Loan may be no higher than the Second Lien Combined Loan-to-Value Ratio of the Principal Balance of the first lien mortgage loan in place as of the Cut-off Date and the Principal Balance of the Mortgage Loan as of the Cutoff Date; and the Principal Balance of the Refinanced Loan at the time of origination thereof may be no higher than the Principal Balance of the first lien mortgage loan in place as of the Cut-off Date; (ii) the Mortgagor's principal and interest payment obligation under the Refinanced Loan does not result in a higher debt-to-income ratio than such ratio at the time of origination of such Mortgagor's Mortgage Loan; (iii) the documentation evidencing the Company's agreement to the placing of the Permitted Senior Lien 17 must be acceptable in form and substance to the servicer; and (iv) any Refinanced Loan (other than a Refinanced Loan that matures after the maturity date of the related Mortgage Loan) may not by its terms provide for a principal payment at maturity that is substantially larger (a balloon payment) than the amount of each monthly installment of principal due on other Due Dates. For purposes of determining the Second Lien Combined Loan-to-Value ratio referred to in (i), the appraisal obtained in connection with the origination of the Mortgage Loan will be used unless the age of such appraisal is more than six months, in which case a new appraisal must be obtained. Loss Allocation Limitation: As defined in Section 4.03(g). Lower Tier Balance: As to each Class of Lower Tier Interests and any Distribution Date, the initial Lower Tier Balance thereof set forth or specified in Section 2.05(a) less the sum of (i) the aggregate amount of principal allocable thereto on previous Distribution Dates pursuant to Section 2.05(c) and (ii) any Realized Losses or Subordinate Certificate Writedown Amount allocated thereto on previous Distribution Dates. Lower Tier Interest: Any one of the Classes of regular interests in the Lower Tier REMIC described as such in Section 2.05(a). Lower Tier Interest Rate: As to each Lower Tier Interest, the applicable "Lower Tier Interest Rate," if any, set forth in Section 2.05(a) hereof. Lower Tier REMIC: One of the two separate REMICs comprising the Trust Fund, the assets of which consist of the assets and rights specified in clauses (i) through (ix) of the definition of the term Trust Fund. Monthly Advance: With respect to any Distribution Date, the aggregate of the advances required to be made by the Company pursuant to Section 4.04(a) (or by the Trustee pursuant to Section 4.04(b)) on such Distribution Date, the amount of any such Monthly Advance being equal to (a) the aggregate of the amount of interest due on each Mortgage Loan on the related Due Date (without giving effect to any 18 change in Due Date made at the option of the related Mortgagor) occurring in the preceding Collection Period, net of the related Servicing Fee, to the extent that all or a portion of the scheduled payment due in such Collection Period was not received by the end of such Collection Period (or, in the case of an REO Mortgage Loan, the amount of interest that would have been due on the related Due Date for such Mortgage Loan had it remained outstanding, net of any related REO Proceeds received during such Collection Period), less (b) the amount of any such payments which the Company or the Trustee, as applicable, in its reasonable judgment believes will not be ultimately recoverable by it either out of late payments by the Mortgagor, Net Liquidation Proceeds, Insurance Proceeds, REO Proceeds or otherwise. With respect to any Mortgage Loan, the portion of any such advance or advances made with respect thereto. Monthly Payment: The scheduled monthly payment on a Mortgage Loan for any month allocable to principal or interest on such Mortgage Loan. Moody's: Moody's Investors Service and its successors. Mortgage: The mortgage or deed of trust creating a first or second lien on a fee simple 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 such documents pursuant to this Agreement. Mortgage Loan Payment Record: The record maintained by the Company pursuant to Section 3.02(b). Mortgage Loan Schedule: As of any date of determination, the schedule of Mortgage Loans included in the Trust Fund. The initial schedule of Mortgage Loans as of the Cut-off Date is attached hereto as Exhibit C. Mortgage Loans: As of any date of determination, each of the mortgage loans identified on the Mortgage Loan Schedule (as amended pursuant to Section 2.03(b)) delivered and assigned to the Trustee pursuant to Section 2.01 or 2.03(b), and not theretofore released from the Trust Fund by the Trustee. Mortgage Note: With respect to any Mortgage Loan, the note or other evidence of indebtedness (which may consist of 19 a Confirmatory Mortgage Note) evidencing the indebtedness of a Mortgagor under such Mortgage Loan. Mortgage Pool: The aggregate of the Mortgage Loans identified in the Mortgage Loan Schedule. Mortgage Rate: The per annum rate of interest borne by a Mortgage Loan as set forth in the related Mortgage Note. Mortgaged Property: The property securing the Mortgage Note. Mortgagor: With respect to any Mortgage Loan, each obligor on the related Mortgage Note. Net Interest Shortfall: With respect to any Distribution Date, the excess, if any, of the aggregate Interest Shortfalls for such Distribution Date over any Compensating Interest Payment for such date. Net Liquidation Proceeds: As to any Liquidated Mortgage Loan, the sum of (i) any Liquidation Proceeds therefor less the related Liquidation Expenses, and (ii) any Insurance Proceeds therefor, other than any such Insurance Proceeds applied to the restoration of the related Mortgaged Property. Net Mortgage Rate: With respect to any Mortgage Loan, the related Mortgage Rate less the applicable Servicing Fee Rate. Net Simple Interest Excess: As to any Distribution Date, (a) the excess, if any, of the aggregate amount of interest received on the Simple Interest Mortgage Loans during the related Collection Period, calculated in accordance with the Simple Interest Method, net of the related Servicing Fees, over (b) one month's interest at the weighted average (by Principal Balance) of the Net Mortgage Rates of the Simple Interest Mortgage Loans as of the first day of the related Interest Accrual Period, on the aggregate Principal Balance of such Simple Interest Mortgage Loans for such Distribution Date, carried to six decimal places, rounded down, and calculated on the basis of a 360-day year consisting of twelve 30-day months. For purposes of the foregoing, the amount of interest received in respect of the Simple Interest Mortgage Loans in any Collection Period shall be deemed (a) to include any Monthly Advances made by the Company for such Collection Period in respect of such Simple Interest Mortgage Loans, and (b) to be reduced by any reimbursements of Monthly Advances previously made by the 20 Company in respect of such Simple Interest Mortgage Loans (or any related REO Mortgage Loans or Liquidated Mortgage Loans) for such Collection Period pursuant to Section 3.04(v) or (vii). Net Simple Interest Shortfall: As to any Distribution Date, the excess, if any, of (a) one month's interest at the weighted average (by Principal Balance) of the Net Mortgage Rates of the Simple Interest Mortgage Loans as of the first day of the related Interest Accrual Period, on the aggregate Principal Balance of such Simple Interest Mortgage Loans for such Distribution Date, carried to six decimal places, rounded down, and calculated on the basis of a 360-day year consisting of twelve 30-day months, over (b) the aggregate amount of interest received on the Simple Interest Mortgage Loans during the related Collection Period, calculated in accordance with the Simple Interest Method, net of the related Servicing Fees. For purposes of the foregoing, the amount of interest received in respect of the Simple Interest Mortgage Loans in any Collection Period shall be deemed (a) to include any Monthly Advances made by the Company for such Collection Period in respect of such Simple Interest Mortgage Loans, and (b) to be reduced by any reimbursements of Monthly Advances previously made by the Company in respect of such Simple Interest Mortgage Loans (or any related REO Mortgage Loans or Liquidated Mortgage Loans) for such Collection Period pursuant to Section 3.04(v) or (vii). Non-Book-Entry Certificate: Any Certificate other than a Book-Entry Certificate. Non-Credit Loss: Any Fraud Loss, Special Hazard Loss or Deficient Valuation. Non-permitted Foreign Holder: As defined in Section 5.02(b). Non-Primary Residence Loan: Any Mortgage Loan secured by a Mortgaged Property that is (on the basis of representations made by the Mortgagors at origination) a second home or investor-owned property. Nonrecoverable Advance: All or any portion of any Monthly Advance or Monthly Advances previously made by the Company (or the Trustee) which, in the reasonable judgment of the Company (or, as applicable, the Trustee) will not be ultimately recoverable from related Liquidation Proceeds, Insurance Proceeds or otherwise. The determination by the Company that it has made a Nonrecoverable Advance or that 21 any advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by an Officer's Certificate of the Company delivered to the Trustee and detailing the reasons for such determination. Nonrecoverable Advance Reimbursement: As to each Distribution Date, the amount, if any, by which the Mortgage Loan Payment Record has been debited pursuant to clause (vii) of Section 3.04 after the second preceding Determination Date and on or prior to the immediately preceding Determination Date. Non-U.S. Person: As defined in Section 4.02(c). Notional Certificate: Any Class S Certificate. Notional Principal Balance: As to any Distribution Date and the Class S Certificates, the aggregate Principal Balance of the Outstanding Mortgage Loans as of the end of the calendar month immediately preceding the related Collection Period, as reduced by the amount of any Voluntary Principal Prepayment in full received on or prior to the fifteenth day of such Collection Period. As to any Distribution Date and any Class S Certificate, such Certificate's Percentage Interest of the aggregate Notional Principal Balance of the Class S Certificates for such Distribution Date. Officer's Certificate: A certificate signed by the President, a Senior Vice President or a Vice President of the Company and delivered to the Trustee. Opinion of Counsel: A written opinion of counsel, who may be counsel for the Company; provided, however, that any Opinion of Counsel with respect to the interpretation or application of the REMIC Provisions or the status of an account as an Eligible Account shall be the opinion of independent counsel satisfactory to the Trustee. Original Subordinate Principal Balance: As set forth in the definition of Senior Prepayment Percentage. Original Value: The value of the property underlying a Mortgage Loan based, in the case of the purchase of the underlying Mortgaged Property, on the lower of an appraisal satisfactory to the Company or the sales price of such property or, in the case of a refinancing, on an appraisal satisfactory to the Company. 22 Outstanding Mortgage Loan: With respect to any date of determination, a Mortgage Loan which, prior to such date, was not the subject of a Principal Prepayment in full, did not become a Liquidated Mortgage Loan and was not purchased pursuant to Section 2.02, 2.03(a) or 3.16 or replaced pursuant to Section 2.03(b). Pay-out Rate: With respect to any Class of Certificates (other than any Class of Principal Only Certificates) and any Distribution Date, the rate at which interest is distributed on such Class on such Distribution Date and which is equal to a fraction (expressed as an annualized percentage) the numerator of which is the Accrued Certificate Interest for such Class and Distribution Date, and the denominator of which is the Class Certificate Principal Balance (or, in the case of the Notional Certificates, the Notional Principal Balance) of such Class immediately prior to such Distribution Date. Percentage Interest: With respect to any Certificate, the percentage interest in the undivided beneficial ownership interest in the Trust Fund evidenced by Certificates of the same Class as such Certificate. With respect to any Certificate, the Percentage Interest evidenced thereby shall equal the Initial Certificate Principal Balance (or, in the case of a Notional Certificate, the initial Notional Principal Balance) thereof divided by the aggregate Initial Certificate Principal Balance (or, in the case of a Notional Certificate, the aggregate initial Notional Principal Balance) of all Certificates of the same Class. Permitted Investments: One or more of the following; provided, however, that no such Permitted Investment may mature later than the Business Day preceding the Distribution Date after such investment except as otherwise provided in Section 3.02(e) hereof, provided, further, that such investments qualify as "cash flow investments" as defined in section 860G(a)(6) of the Code: (i) obligations of, or guaranteed as to timely receipt of 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) provided that the unsecured obligations of the party agreeing to repurchase such 23 obligations are at the time rated by each Rating Agency in the highest long-term rating category; (iii) federal funds, certificates of deposit, time deposits and banker's acceptances, of any U.S. depository institution or trust company incorporated under the laws of the United States or any state provided that the debt obligations of such depository institution or trust company at the date of acquisition thereof have been rated by each Rating Agency in the highest long-term rating category; (iv) commercial paper of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has the highest short term rating of each Rating Agency; (v) money market or common trust funds rated by each Rating Agency in its highest short-term rating category; and (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not, as evidenced in writing, result in a reduction or withdrawal in the then current rating of the Certificates. Notwithstanding the foregoing, Permitted Investments shall not include "stripped securities" and investments which contractually may return less than the purchase price therefor. Permitted Senior Lien: As defined in Section 3.01. Person: Any legal person, including any individual, corporation, partnership, limited liability company, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Plan: Any Person which is an employee benefit plan subject to ERISA or a plan subject to section 4975 of the Code. Pool Principal Balance: With respect to any Distribution Date, the aggregate Principal Balance of all the Mortgage Loans that were Outstanding Mortgage Loans as of the related Collection Period (or, in the case of the first Distribution Date, the Cut-off Date; or, if so specified, such other date). 24 Prepayment Assumption: The assumed fixed schedule of prepayments on a pool of new mortgage loans with such schedule given as a monthly sequence of prepayment rates, expressed as annualized percent values. These values start at 2.00% per annum in the first month, and increase by an additional 2.00% per annum in each month thereafter until the tenth month. At such time, the rate remains constant at 20% per annum each month for the balance of the remaining term. Prepayment Distribution Trigger: As of any Distribution Date and as to each Class of Class B Certificates, the related Prepayment Distribution Trigger is satisfied if (x) the fraction, expressed as a percentage, the numerator of which is the aggregate Class Certificate Principal Balance of such Class and each Class subordinate thereto, if any, on such Distribution Date, and the denominator of which is the Pool Principal Balance for such Distribution Date, equals or exceeds (y) such percentage calculated as of the Closing Date. Prepayment Interest Excess: As to any Voluntary Principal Prepayment in full received from the first day through the fifteenth day of any calendar month (other than the calendar month in which the Cut-off Date occurs) on any Self-Amortizing Mortgage Loan, all amounts paid in respect of interest on such Principal Prepayment. For purposes of determining the amount of Prepayment Interest Excess for any month, a Voluntary Principal Prepayment in full with respect to a Self-Amortizing Mortgage Loan serviced by a Primary Servicer shall be deemed to have been received when the Company, as servicer, receives notice thereof. All Prepayment Interest Excess shall be retained by the Company, as servicer, as additional servicing compensation. Prepayment Period: With respect to any Distribution Date and any Voluntary Principal Prepayment in part or other Principal Prepayment other than a Voluntary Principal Prepayment in full, the calendar month preceding the month of such Distribution Date; with respect to any Distribution Date and any Voluntary Principal Prepayment in full, the period beginning on the sixteenth day of the calendar month preceding the month of such Distribution Date (or, in the case of the first Distribution Date, beginning on the Cutoff Date) and ending on the fifteenth day of the month in which such Distribution Date occurs. Prepayment Premium: As to any Mortgage Loan in respect of which a Principal Prepayment is received, any premium 25 paid by the related Mortgagor in connection with such Principal Prepayment. Primary Servicer: Any servicer with which the Company has entered into a servicing agreement, as described in Section 3.01(e). Principal Balance: As to any Self-Amortizing Mortgage Loan and Distribution Date, the unpaid principal balance of such Mortgage Loan as specified in the amortization schedule at the time relating thereto as of the month preceding the month of such Distribution Date (or, in the case of the first Distribution Date, as of the Cut-off Date), before giving effect to any scheduled payments of principal due during such month and after giving effect to any principal prepayments in part received prior to such month and any principal prepayments in full received through and including the 15th day of such month. As to any Simple Interest Mortgage Loan and Distribution Date, the unpaid principal balance thereof as of the calendar month preceding the month of such Distribution Date, before giving effect to any regularly scheduled payment due during such month and after giving effect to any principal prepayments in part received prior to such month and any principal prepayments in full received through and including the 15th day of such month. As to any Mortgage Loan and the Cut-off Date, the "unpaid balance" thereof specified in the initial Mortgage Loan Schedule. Principal Only Certificate: Any Class R1 or Class R2 Certificate. Principal Prepayment: Any payment or other recovery of principal on a Mortgage Loan (including, for this purpose, any refinancing permitted by Section 3.01 and any REO Proceeds treated as such pursuant to Section 3.08(b), but not including any Early Installment) which is received in advance of its scheduled Due Date and is not accompanied by an amount of interest representing scheduled interest for any month subsequent to the month of prepayment. Private Placement Memorandum: The private placement memorandum relating to the Restricted Junior Certificates dated December 22, 1997. Prohibited Transaction Exemption: The U.S. Department of Labor Prohibited Transaction Exemption 90-32 (55 Fed. Reg. 23147, June 6, 1990). 26 Property Protection Expenses: With respect to any Mortgage Loan, expenses paid or incurred by or for the account of the Company in accordance with the related Mortgage for (a) real estate property taxes and property repair, replacement, protection and preservation expenses (b) similar expenses reasonably paid or incurred to preserve or protect the value of such Mortgage to the extent the Company is not reimbursed therefor pursuant to any primary mortgage insurance policy, if any, or any other insurance policy with respect thereto, and (c) any amount required to satisfy or keep current a mortgage loan not included in the Trust Fund secured by a lien that is prior to the lien securing a Mortgage Loan. Purchase Price: With respect to any Mortgage Loan required or permitted to be purchased hereunder from the Trust Fund, an amount equal to 100% of the unpaid principal balance thereof plus interest thereon at the applicable Mortgage Rate from the date to which interest was last paid to the first day of the month in which such purchase price is to be distributed; provided, however, that if the Company is the servicer hereunder, such purchase price shall be net of unreimbursed Monthly Advances with respect to such Mortgage Loan and the interest component of the Purchase Price may be computed on the basis of the Net Mortgage Rate for such Mortgage Loan. QIB: A "qualified institutional buyer" as defined in Rule 144A under the Securities Act of 1933, as amended. Rating Agency: Any statistical credit rating agency, or its successor, that rated any of the Certificates at the request of the Company at the time of the initial issuance of the Certificates. If such agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Company, notice of which designation shall be given to the Trustee. References herein to the two highest long-term rating categories of a Rating Agency shall mean such ratings without any modifiers. As of the date of the initial issuance of the Certificates, the Rating Agencies are Fitch and Moody's; except that for purposes of the Class M, Class B1, Class B2, Class B3 and Class B4 Certificates, Moody's shall be the sole Rating Agency. Realized Loss: Any (i) Deficient Valuation or (ii) as to any Liquidated Mortgage Loan, (x) the unpaid principal balance of such Liquidated Mortgage Loan plus accrued and unpaid interest thereon at the Net Mortgage Rate through the 27 last day of the month of such liquidation less (y) the related Net Liquidation Proceeds. Record Date: The last Business Day of the month immediately preceding the month of the related Distribution Date. Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as amended. Relief Act Mortgage Loan: Any Mortgage Loan as to which the Monthly Payment thereof has been reduced due to the application of the Relief Act. REMIC: A "real estate mortgage investment conduit" within the meaning of section 860D of the Code. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at sections 860A through 860G of Part IV of Subchapter M of Chapter 1 of the Code, and related provisions, and U.S. Department of the Treasury temporary or final regulations promulgated thereunder, as the foregoing may be in effect from time to time, as well as provisions of applicable state laws. REO Mortgage Loan: Any Mortgage Loan which is not a Liquidated Mortgage Loan and as to which the related Mortgaged Property is held as part of the Trust Fund. REO Proceeds: Proceeds, net of any related expenses of the Company, received in respect of any REO Mortgage Loan (including, without limitation, proceeds from the rental of the related Mortgaged Property). Residual Certificate: Any Class R1 or Class R2 Certificate. Responsible Officer: When used with respect to the Trustee, any officer or assistant officer assigned to and working in the Corporate Trust Office of the Trustee and, also, with respect to a particular matter, any other officer to whom such matter is referred because of such officer's knowledge of and familiarity with the particular subject. Restricted Certificate: Any Restricted Junior Certificate or Class S Certificate. Restricted Junior Certificate: Any Class B3, Class B4 or Class B5 Certificate. 28 SAIF: The Savings Association Insurance Fund of the FDIC, or its successor in interest. Second Lien Combined Loan-to-Value Ratio: As to any Second Mortgage Loan, the ratio, expressed as a percentage, that the sum of the original principal balance of such Second Mortgage Loan and the then current principal balance of the related first priority mortgage bears to the appraised value of the related Mortgaged Property at the time such Second Mortgage Loan was originated (or if the proceeds of such Second Mortgage Loan are used to refinance an existing mortgage loan, an appraisal that is less than six months old). Second Mortgage Loan: Any Mortgage Loan secured by a second lien on the related Mortgage Property. Self-Amortizing Mortgage Loan: Any Mortgage Loan other than a Simple Interest Mortgage Loan. Senior Certificate: Any Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class R1 or Class R2 Certificate. Senior Certificate Principal Balance: As of any Distribution Date, an amount equal to the sum of the Certificate Principal Balances of the Senior Certificates. Senior Percentage: As to any Distribution Date, the lesser of (i) 100% and (ii) the percentage (carried to six places rounded up) obtained by dividing the Senior Certificate Principal Balance immediately prior to such Distribution Date by an amount equal to the sum of the Certificate Principal Balances of all the Certificates immediately prior to such Distribution Date. Senior Prepayment Percentage: For any Distribution Date occurring prior to the fifth anniversary of the first Distribution Date, 100%. For any Distribution Date occurring on or after the fifth anniversary of the first Distribution Date, an amount as follows: (i) for any Distribution Date subsequent to December 2002 to and including the Distribution Date in December 2003, the Senior Percentage for such Distribution Date plus 70% of the Junior Percentage for such Distribution Date; (for any Distribution Date subsequent to December 2003 to and including the Distribution Date in 29 December 2004, the Senior Percentage for such Distribution Date plus 60% of the Junior Percentage for such Distribution Date; (ii) for any Distribution Date subsequent to December 2004 to and including the Distribution Date in December 2005, the Senior Percentage for such Distribution Date plus 40% of the Junior Percentage for such Distribution Date; (iii) for any Distribution Date subsequent to December 2005 to and including the Distribution Date in December 2006, the Senior Percentage for such Distribution Date plus 20% of the Junior Percentage for such Distribution Date; and (v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date. Notwithstanding the foregoing, no reduction of the Senior Prepayment Percentage below the level in effect for the most recent prior period as set forth in clauses (i) through (iv) above shall be effective on any Distribution Date unless if, as of the last day of the month preceding such Distribution Date, (i) the aggregate Principal Balance of Mortgage Loans delinquent 60 days or more (including for this purpose any Mortgage Loans in foreclosure and REO Mortgage Loans) as a percentage of the aggregate Class Certificate Principal Balance of the Junior Certificates as of such date, does not exceed 50%, and (ii) cumulative Realized Losses with respect to the Mortgage Loans do not exceed (a) 30% of the aggregate Class Certificate Principal Balance of the Junior Certificates as of the Closing Date (the "Original Subordinate Principal Balance") if such Distribution Date occurs between and including January 2003 and December 2003, (b) 35% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including January 2004 and December 2004, (c) 40% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including January 2005 and December 2005, (d) 45% of the Original Subordinate Principal Balance if such Distribution Date occurs between and including January 2006 and December 2006 and (e) 50% of the Original Subordinate Principal Balance if such Distribution Date occurs during or after January 2007. Senior Principal Distribution Amount: As to any Distribution Date, an amount equal to the sum of: 30 (i) the Senior Percentage of all payments of principal received on the Mortgage Loans during the related Collection Period, other than payments of principal described in clauses (ii) through (v); (ii) the Senior Prepayment Percentage of all principal prepayments in part (other than Early Installments) received with respect to Self-Amortizing Mortgage Loans during the related Prepayment Period, together with the Senior Prepayment Percentage of the Principal Balance of each Mortgage Loan which was the subject of a Voluntary Principal Prepayment in full during the related Prepayment Period; (iii) the Senior Prepayment Percentage of the sum of (A) all Net Liquidation Proceeds allocable to principal received in respect of each such Liquidated Mortgage Loan (other than Mortgage Loans described in clause (B)) and (B) the principal balance of each such Mortgage Loan purchased by an insurer from the Trustee pursuant to any related insurance policy, in each case during the related Prepayment Period; (iv) the Senior Prepayment Percentage of the Principal Balance of each Mortgage Loan which was purchased on such Distribution Date pursuant to Section 2.02, 2.03(a) or 3.16; and (v) the Senior Prepayment Percentage of the Substitution Amount for any Mortgage Loan substituted during the month of such Distribution Date, minus the product of the Senior Percentage for such Distribution Date and the amount, if any, by which Available Funds for such Distribution Date has been reduced pursuant to clause second of the last sentence of the definition of Available Funds. For purposes of clause (ii) above, a Voluntary Principal Prepayment in full with respect to a Mortgage Loan serviced by a Primary Servicer shall be deemed to have been received when the Company, as servicer, receives notice thereof. Senior Transition Date: The Distribution Date on which the Class Certificate Balance of each Class of Senior Certificates (other than the Class A7 Certificates) is reduced to zero. 31 Servicer's Certificate: A certificate, completed by and executed on behalf of the Company by a Servicing Officer in accordance with Section 4.06, substantially in the form of Exhibit D hereto or in such other form as the Company and the Trustee shall agree. Servicing Fee: As to any Mortgage Loan and Distribution Date, an amount equal to the product of (i) the Principal Balance of such Mortgage Loan for the related Distribution Date and (ii) the Servicing Fee Rate for such Mortgage Loan. Servicing Fee Rate: As to any Mortgage Loan, 0.50% per annum. Servicing Officer: Any officer of the Company involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name appears on a list of servicing officers attached to an Officer's Certificate furnished to the Trustee by the Company, as such list may from time to time be amended. Simple Interest Excess Amount: As to any Distribution Date, an amount (not less than zero) equal to the aggregate of any Net Simple Interest Excess paid to the Company for prior Distribution Dates, less the aggregate of any Simple Interest Shortfall Payments made by the Company for prior Distribution Dates. Simple Interest Method: The method of allocating a payment to principal and interest, pursuant to which the portion of such payment that is allocated to interest is equal to the product of the fixed rate of interest multiplied by the unpaid principal balance multiplied by the period of time elapsed since the preceding payment of interest was made and divided by either 360 or 365, as specified in the related Mortgage Note, and the remainder of such payment is allocated to principal. Simple Interest Mortgage Loan: Any Mortgage Loan under which the portion of a payment allocable to interest and the portion of such payment allocable to principal is determined in accordance with the Simple Interest Method. Simple Interest Shortfall Payment: With respect to any Distribution Date, an amount equal to any Net Simple Interest Shortfall for such Distribution Date; provided, however, that such amount shall not exceed the sum of (i) the Simple Interest Excess Amount for such Distribution Date and (ii) the aggregate of the Servicing Fees that the 32 Company would be entitled to retain on such Distribution Date with respect to the Mortgage Loans (less any portion thereof paid as servicing compensation to any Primary Servicer) without giving effect to any Simple Interest Shortfall Payment, but after giving effect to any Compensating Interest Payment. Simple Interest Shortfall Percentage: As to each Class of Certificates and any Distribution Date, the fraction, expressed as a percentage carried to six decimal places, the numerator of which is the amount of Accrued Certificate Interest for such Class for such Distribution Date and the denominator of which is the aggregate amount of Accrued Certificate Interest for all Classes of Certificates for such Distribution Date. Single Certificate: A Certificate with an Initial Certificate Principal Balance, or Notional Principal Balance, of $1,000, or, in the case of a Class of Certificates issued with an initial Class Certificate Principal Balance or Notional Principal Balance of less than $1,000, such lesser amount. Special Hazard Loss: (i) A Realized Loss suffered by a Mortgaged Property on account of direct physical loss, exclusive of (a) any loss covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property under Section 3.06 and (b) any loss caused by or resulting from: (1) normal wear and tear; (2) conversion or other dishonest act on the part of the Trustee, the Company or any of their agents or employees; or (3) errors in design, faulty workmanship or faulty materials, unless the collapse of the property or a part thereof ensues; or (ii) any Realized Loss suffered by the Trust Fund arising from or related to the presence or suspected presence of hazardous wastes or hazardous substances on a Mortgaged Property unless such loss to a Mortgaged Property is covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property under Section 3.06. Special Hazard Loss Amount: As of any Distribution Date, an amount equal to $1,861,345 minus the sum of (i) the 33 aggregate amount of Special Hazard Losses that would have been allocated to the Junior Certificates in accordance with Section 4.03 in the absence of the Loss Allocation Limitation and (ii) the Adjustment Amount (as defined below) as most recently calculated. On 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 lesser of (x) the greater of (A) the product of the Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans on the Distribution Date immediately preceding such anniversary and (B) twice the outstanding principal balance of the Mortgage Loan which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, and (y) an amount calculated by the Company and approved by each Rating Agency, which amount shall not be less than $500,000. Special Hazard Percentage: As of each anniversary of the Cut-off Date, the greater of (i) 1.00% and (ii) the largest percentage obtained by dividing (x) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located in a single, five-digit zip code area in the State of California by (y) the outstanding principal balance of all the Mortgage Loans as of the immediately preceding Distribution Date. Special Hazard Termination Date: The Distribution Date upon which the Special Hazard Loss Amount has been reduced to zero or a negative number (or the Cross-Over Date, if earlier). Startup Day: As defined in Section 2.06(c). Strip Rate: With respect to the Class S Certificates and any Distribution Date, a variable rate per annum equal to the excess of (x) the Weighted Average Net Mortgage Rate over (y) the weighted average (by Certificate Principal Balance) of the Certificate Interest Rates of the Certificates (other than the Class S Certificates) for such Distribution Date. Subordinate Certificates: As to any date of determination, first, the Class B5 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; second, the Class B4 Certificates until the Class Certificate Principal Balance thereof has been reduced to 34 zero; third, the Class B3 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; fourth, the Class B2 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; fifth, the Class B1 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; and sixth, the Class M Certificates until the Class Certificate Principal Balance thereof has been reduced to zero. Subordinate Certificate Writedown Amount: As to any Distribution Date, the amount by which (i) the sum of the Class Certificate Principal Balances of all the Certificates (after giving effect to the distribution of principal and the application of Realized Losses in reduction of the Certificate Principal Balances of the related Certificates on such Distribution Date) exceeds (ii) the Pool Principal Balance on the first day of the month of such Distribution Date. Substitution Amount: With respect to any Mortgage Loan substituted pursuant to Section 2.03(b), the excess of (x) the Principal Balance of the Mortgage Loan that is substituted for, over (y) the Principal Balance of the related substitute Mortgage Loan, each balance being determined as of the date of substitution. Trigger Event: Any one or more of the following: (i) if the Company is not a wholly-owned direct or indirect subsidiary of General Electric Company or its successors in interest, or if GECC shall not own (directly or indirectly) at least two-thirds of the voting shares of the capital stock of the Company, (ii) if the long-term senior unsecured rating of GECC is downgraded or withdrawn by Fitch or Moody's below their two highest rating categories or such rating is withdrawn, (iii) if GECC is no longer obligated pursuant to the terms of the support agreement, dated as of October 1, 1990, between GECC and the Company, to maintain the Company's net worth or liquidity (as such terms are defined therein) at the levels specified therein, or if such support agreement, including any amendment thereto, has been breached, terminated or otherwise held to be unenforceable and (iv) if such support agreement, including any amendment thereto, is amended or modified. Trust Fund: The corpus of the trust created by this Agreement evidenced by the Certificates and consisting of: (i) the Mortgage Loans; 35 (ii) all payments on or collections in respect of such Mortgage Loans, except as otherwise described in the first paragraph of Section 2.01; (iii) the obligation of the Company to deposit in the Certificate Account the amounts required by Sections 3.02(d), 3.02(e) and 4.04(a), and the obligation of the Trustee to deposit in the Certificate Account any amount required pursuant to Section 4.04(b); (iv) the obligation of the Company to purchase or replace any Defective Mortgage Loan pursuant to Section 2.02 or 2.03; (v) all property acquired by foreclosure or deed in lieu of foreclosure with respect to any REO Mortgage Loan; (vi) the proceeds of any primary mortgage insurance policies, if any, and the hazard insurance policies required by Section 3.06, in each case, in respect of the Mortgage Loans; (vii) the Certificate Account established pursuant to Section 3.02(d); and (viii) any collateral funds established to secure the obligations of the Holder of the Class B4 and Class B5 Certificates, respectively, under any agreements entered into between such holder and the Company pursuant to Section 3.08(e). Trustee: The institution executing this Agreement as Trustee, or its successor in interest, or if any successor trustee is appointed as herein provided, then such successor trustee so appointed. Unanticipated Recovery: As defined in Section 4.01(f) herein. Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of the property is not fully reimbursable by the hazard insurance policies required to be maintained pursuant to Section 3.06. Unpaid Class Interest Shortfall: As to any Distribution Date and any Class of Certificates (other than any Class of Principal Only Certificates), the amount, if 36 any, by which the aggregate of the Class Interest Shortfalls for such Class for prior Distribution Dates is in excess of the aggregate amounts distributed on prior Distribution Dates to Holders of such Class of Certificates pursuant to Section 4.01(a)(ii), in the case of the Senior Certificates (other than any Class of Principal Only Certificates), and the Class S Certificates, Section 4.01(a)(iv), in the case of the Class M Certificates, Section 4.01(a)(vi), in the case of the Class B1 Certificates, Section 4.01(a)(viii), in the case of the Class B2 Certificates, Section 4.01(a)(x), in the case of the Class B3 Certificates, Section 4.01(a)(xii), in the case of the Class B4 Certificates, and Section 4.01(a)(xiv), in the case of the Class B5 Certificates. Unpaid Net Simple Interest Shortfall: As to any Distribution Date, the excess, if any, of the Net Simple Interest Shortfall for such Distribution Date over the Simple Interest Shortfall Payment for such Distribution Date. Upper Tier REMIC: One of the two separate REMICs comprising the Trust Fund, the assets of which consist of the Lower Tier Interests. Voluntary Principal Prepayment: With respect to any Distribution Date, any prepayment in full of principal received from the related Mortgagor on any Mortgage Loan, and any Principal Prepayment in part received from the related Mortgagor on a Self-Amortizing Mortgage Loan. Voting Rights: The portion of the voting rights of all the Certificates that is allocated to any Certificate for purposes of the voting provisions of Section 10.01. At all times during the term of this Agreement, 94% of all Voting Rights shall be allocated to the Certificates other than the Class S Certificates and 6% of all Voting Rights shall be allocated to the Class S Certificates. Voting Rights allocated to the Class S Certificates shall be allocated among the Certificates of such Class in proportion to their Notional Principal Balances. Voting Rights allocated to the other Classes of Certificates shall be allocated among such Classes (and among the Certificates within each such Class) in proportion to their Class Certificate Principal Balances (or Certificate Principal Balances), as the case may be. Weighted Average Net Mortgage Rate: As to any Distribution Date, a variable rate per annum equal to the weighted average (by Principal Balance) carried to six decimal places, rounded down, of the Net Mortgage Rates of 37 the Outstanding Mortgage Loans as of the first day of the related Collection Period (or the Cut-off Date, in the case of the first Distribution Date); provided, however, that such calculation shall not include any Mortgage Loan that was the subject of a Voluntary Principal Prepayment in full received by the Company (or of which the Company received notice, in the case of a Mortgage Loan serviced by a Primary Servicer) on or after the first day but on or before the 15th day of the month that constitutes such Collection Period. ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. The Company, concurrently with the execution and delivery of this Agreement, does hereby transfer, assign, set-over and otherwise convey to the Trustee without recourse (except as provided herein) all the right, title and interest of the Company in and to the Mortgage Loans, including all interest and principal received by the Company on or with respect to the Mortgage Loans on and after the Cut-off Date. In connection with such transfer and assignment, the Company does hereby deliver to the Trustee the following documents or instruments with respect to each Mortgage Loan (other than any Designated Loan) so transferred and assigned: (i) The Mortgage Note, endorsed without recourse in blank by the Company, including all intervening endorsements showing a complete chain of endorsement from the originator to the Company; provided, however, that if such Mortgage Note is a Confirmatory Mortgage Note, such Confirmatory Mortgage Note may be payable directly to the Company or may show a complete chain of endorsement from the named payee to the Company; (ii) Any assumption and modification agreement; and (iii) An assignment in recordable form (which may be included in a blanket assignment or assignments) of the Mortgage to the Trustee. In instances where a completed assignment of the Mortgage in recordable form cannot be delivered by the Company to the Trustee prior to or concurrently with the execution and delivery of this Agreement, due to a delay in connection with 38 recording of the Mortgage, the Company may, in lieu of delivering the completed assignment in recordable form, deliver to the Trustee the assignment in such form, otherwise complete except for recording information. With respect to each Designated Loan, the Company does hereby deliver to the Trustee the Designated Loan Closing Documents. In connection with each Mortgage Loan transferred and assigned to the Trustee, the Company shall deliver to the Trustee the following documents or instruments as promptly as practicable, but in any event within 30 days, after receipt by the Company of all such documents and instruments for all of the outstanding Mortgage Loans: (i) the Mortgage with evidence of recording indicated thereon; (ii) other than as to any Mortgage Loan identified on Exhibit M hereto, a copy of the title insurance policy; and (iii) with respect to any Mortgage that has been assigned to the Company, the related recorded intervening assignment or assignments of Mortgage, showing a complete chain of assignment from the originator to the Company. Pending such delivery, the Company shall retain in its files (a) copies of the documents described in clauses (i) and (iii) of the preceding sentence, without evidence of recording thereon, and (b) title insurance binders with respect to the Mortgage Loans. The Company shall also retain in its files evidence of primary mortgage insurance, if any, relating to the Mortgage Loans during the period when the related insurance is in force. Such evidence shall consist, for each Mortgage Loan, of a certificate of private mortgage insurance relating to such Mortgage Loan or an electronic screen print setting forth the information contained in such certificate of private mortgage insurance, including, without limitation, information relating to the name of the mortgage insurance carrier, the certificate number, the loan amount, the property address, the effective date of coverage, the amount of coverage and the expiration date of the policy. (The copies of the Mortgage, intervening assignments of Mortgage, if any, title insurance binder and any primary mortgage insurance policy, if any, described in the two preceding sentences are collectively referred to herein as the "Document File" with respect to each Mortgage Loan.) The Company shall advise the Trustee in writing if such delivery to the Trustee shall not have occurred on or before the first anniversary of the Closing Date. The Company shall promptly furnish to the Trustee the documents 39 included in the Document Files (other than any such documents previously delivered to the Trustee as originals or copies) either (a) upon the written request of the Trustee or (b) when the Company or the Trustee obtains actual notice or knowledge of a Trigger Event. In addition, when the Company or the Trustee obtains actual notice or knowledge of a Trigger Event it shall deliver to the Trustee copies of all title insurance policies for all of the outstanding Mortgage Loans. The Trustee shall have no obligation to request delivery of the Document Files unless a Responsible Officer of the Trustee has actual notice or knowledge of the occurrence of a Trigger Event. In the case of Mortgage Loans which have been prepaid in full after the Cut-off Date and prior to the date of execution and delivery of this Agreement, the Company, in lieu of delivering the above documents to the Trustee, herewith delivers to the Trustee a certification of a Servicing Officer of the nature set forth in Section 3.09. The Company shall not be required to record the assignments of the Mortgages to the Trustee unless the Company or the Trustee obtains actual notice or knowledge of the occurrence of any Trigger Event; provided, however, that such recording shall not be required if the Company delivers to the Trustee a letter from each Rating Agency to the effect that the failure to take such action will not cause such Rating Agency to reduce or withdraw its then current ratings of the Certificates. The party obtaining actual notice or knowledge of any of such events shall give the other party prompt written notice thereof. For purposes of the foregoing (as well as for purposes of determining whether the Company shall be required to deliver the Document Files to the Trustee following the occurrence of a Trigger Event), the Company shall be deemed to have knowledge of any such downgrading referred to in the definition of Trigger Event if, in the exercise of reasonable diligence, the Company has or should have had knowledge thereof. As promptly as practicable subsequent to the Company's delivery or receipt of such written notice, as the case may be, the Company shall insert the recording information in the assignments of the Mortgages to the Trustee and shall cause the same to be recorded, at the Company's expense, in the appropriate public office for real property records, except that the Company need not cause to be so completed and recorded any assignment which relates to a Mortgage Loan secured by property in a jurisdiction under the laws of which, on the basis of an Opinion of Counsel reasonably satisfactory to the Trustee and satisfactory to each Rating Agency (as evidenced in writing), recordation of such assignment is not necessary to protect the Trustee against discharge of such Mortgage Loan by the Company or any valid assertion that any Person other than the Trustee has title to or any rights in such Mortgage Loan. In the event that 40 the Company fails or refuses to record the assignment of Mortgages in the circumstances provided above, the Trustee shall record or cause to be recorded such assignment at the expense of the Company. In connection with the recording of any such assignment, the Company shall furnish such documents as may be reasonably necessary to accomplish such recording. Notwithstanding the foregoing, at any time the Company may record, or cause to be recorded, the assignments of Mortgages at the expense of the Company. Section 2.02. Acceptance by Trustee. Subject to the examination hereinafter provided, the Trustee acknowledges receipt of the Mortgage Notes, the assignments of the Mortgages to the Trustee, the assumption and modification agreements, if any, and the Designated Loan Closing Documents, if any, delivered pursuant to Section 2.01, and declares that the Trustee holds and will hold such documents and each other document delivered to it pursuant to Section 2.01 in trust, upon the trusts herein set forth, for the use and benefit of all present and future Certificateholders. The Trustee agrees, for the benefit of Certificateholders, to review each Mortgage File within 45 days after (i) the execution and delivery of this Agreement, in the case of the Mortgage Notes, the assignments of the Mortgages to the Trustee, the assumption and modification agreements, if any, and the Designated Loan Closing Documents, if any, (ii) delivery to the Trustee after the Closing Date of the Mortgage Notes and the assumption and modification agreements, if any, with respect to each Designated Loan, and (iii) delivery of the recorded Mortgages, title insurance policies and recorded intervening assignments of Mortgage, if any, to ascertain that all required documents set forth in Section 2.01 have been executed, received and recorded, if applicable, and that such documents relate to the Mortgage Loans identified in Exhibit C hereto. In performing such examination, the Trustee may conclusively assume the due execution and genuineness of any such document and the genuineness of any signature thereon. It is understood that the scope of the Trustee's examination of the Mortgage Files is limited solely to confirming, after receipt of the documents listed in Section 2.01, that such documents have been executed, received and recorded, if applicable, and relate to the Mortgage Loans identified in Exhibit C to this Agreement. If in the course of such review the Trustee finds (1) that any document required to be delivered as aforesaid has not been delivered, or (2) any such document has been mutilated, defaced or physically altered without the borrower's authorization or approval, or (3) based upon its examination of such documents, the information with respect to any Mortgage Loan set forth on Exhibit C is not accurate, the Trustee shall promptly so notify the Company in writing, which shall have a period of 60 days after receipt of such notice to correct or cure any such defect. The Company 41 hereby covenants and agrees that, if any such material defect cannot be corrected or cured, the Company will on a Distribution Date which is not later than the first Distribution Date which is more than ten days after the end of such 60-day period repurchase the related Mortgage Loan from the Trustee at the Purchase Price therefor or replace such Mortgage Loan pursuant to Section 2.03(b); provided, however, that if the defect (or breach pursuant to Section 2.03(a)) is one that, had it been discovered before the Startup Day, would have prevented the Mortgage Loan from being a "qualified mortgage" within the meaning of the REMIC Provisions, such defect or breach shall be cured, or the related Mortgage Loan shall be repurchased or replaced, on a Distribution Date which falls within 90 days of the date of discovery of such defect or breach. The Purchase Price for the repurchased Mortgage Loan, or any amount required in respect of a substitution pursuant to Section 2.03(b), shall be deposited by the Company in the Certificate Account pursuant to Section 3.02(d) on the Business Day prior to the applicable Distribution Date and, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee shall release or cause to be released to the Company the related Mortgage File and shall execute and deliver or cause to be executed and delivered such instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in the Company any Mortgage Loan released pursuant hereto. It is understood and agreed that the obligation of the Company to repurchase or replace any Mortgage Loan as to which a material defect in a constituent document exists shall constitute the sole remedy respecting such defect available to Certificateholders or the Trustee on behalf of Certificateholders. Upon receipt by the Trustee of the Mortgage Note with respect to a Designated Loan that is not defective in accordance with the fifth sentence of the preceding paragraph, the related Lost Note Affidavit delivered pursuant to Section 2.01 shall be void and the Trustee shall return it to the Company. Section 2.03. Representations and Warranties of the Company; Mortgage Loan Repurchase. (a) The Company hereby represents and warrants to the Trustee that: (i) The information set forth in Exhibit C hereto was true and correct in all material respects at the date or dates respecting which such information is furnished; (ii) As of the date of the initial issuance of the Certificates, each Mortgage is a valid and enforceable lien on the property securing the related Mortgage Note subject only to (a) the lien of any related first mortgage, if any, 42 (b) the lien of current real property taxes and assessments, (c) covenants, conditions and restrictions, rights of way, easements and other matters of public record as of the date of recording of such Mortgage, such exceptions appearing of record being acceptable to mortgage lending institutions generally in the area wherein the property subject to the Mortgage is located or specifically reflected in the appraisal obtained in connection with the origination of the related Mortgage Loan obtained by the Company, and (d) other matters to which like properties are commonly subject which do not materially interfere with the benefits of the security intended to be provided by such Mortgage; any first mortgage loan prior to the related Mortgage Loan encumbering the related Mortgaged Property does not have a mandatory future advance provision; (iii) Each Mortgaged Property consists of one- to four-family residential real property, which does not include cooperatives, mobile homes, or manufactured homes that do not constitute real property in the jurisdiction in which such Mortgaged Property is located; (iv) Immediately prior to the transfer and assignment herein contemplated, the Company had good title to, and was the sole owner of, each Mortgage Loan and all action had been taken to obtain good record title to each related Mortgage. Each Mortgage Loan has been transferred free and clear of any liens, claims and encumbrances; (v) As of the Cut-off Date, no payment of principal of or interest on or in respect of any Mortgage Loan is more than 30 days past due, and no more than 0.75% of the Mortgage Loans (by Principal Balance) have been past due 30 or more days more than once during the preceding 12 months; (vi) A title search was conducted at the origination of each Mortgage Loan and such search did not show any lien on the related Mortgaged Property senior to the related Mortgage other than any related first mortgage and other liens and encumbrances typically acceptable to mortgage lenders generally; (vii) As of the date of the initial issuance of the Certificates, there is no mechanics' lien or claim for work, labor or material affecting the premises subject to any Mortgage which is or may be a lien prior to, or equal or coordinate with, the lien of such Mortgage except those which are insured against by the applicable title insurance policy; 43 (viii) As of the date of the initial issuance of the Certificates, there is no delinquent tax or assessment lien against the property subject to any Mortgage; (ix) The Company has not received a notice of default or acceleration of any first mortgage loan or any Mortgage Loan secured by the Mortgaged Property which has not been cured by a party other than the Company; (x) As of the date of the initial issuance of the Certificates, there is no valid offset, defense or counterclaim to any Mortgage Note or Mortgage, including the obligation of the Mortgagor to pay the unpaid principal and interest on such Mortgage Note; (xi) As of the date of the initial issuance of the Certificates, the physical property subject to any Mortgage is free of material damage and is in good repair; (xii) Each Mortgage Loan at the time it was made complied in all material respects with applicable state and federal laws, including, without limitation, usury, equal credit opportunity and disclosure laws; (xiii) A lender's title insurance policy or binder, or other assurance of title insurance customary in the relevant jurisdiction therefor, in either case, in a form acceptable to FNMA or FHLMC, was issued on the date of the origination of each Mortgage Loan other than any Mortgage Loan identified on Exhibit M hereto, and each such policy or binder is valid and remains in full force and effect; (xiv) The Mortgage Rate of each Mortgage Note of a Mortgage Loan was not less than 7.125% per annum; (xv) As of the Cut-off Date, not less than 98.00% of the Mortgage Loans, by aggregate Principal Balance are Self-Amortizing Mortgage Loans and not more than 2.00% of the Mortgage Loans, by aggregate Principal Balance are Simple Interest Mortgage Loans; and, in each case, the Mortgage Rate with respect to each Mortgage Loan is fixed at the time of origination of the related Mortgage; (xvi) As of the Cut-off Date, not less than 71.00% of the Mortgage Loans, by aggregate Principal Balance, are level payment, fully amortizing Mortgage Loans and not more than 29.00% of the Mortgage Loans, by aggregate Principal Balance are Balloon Mortgage Loans; and, in each case, the Mortgage Rate with respect to each Mortgage Loan is fixed at the time of origination thereof; 44 (xvii) If the Mortgaged Property was located in a federally designated special flood hazard area at the time of origination of the Mortgage Loan, it was covered by flood insurance at such time in an amount required by FEMA guidelines; (xviii) The Mortgage Loans were originated in accordance with the underwriting procedures of the Company as described under the caption "The Home Equity Loan Program" in the prospectus supplement, dated December 22, 1997, relating to the registration statement on Form S-3 under the Securities Act of 1933, as amended, Registration No. 333-24935, filed by the Company with the Securities and Exchange Commission in connection with the offer and sale of the Certificates (other than the Class S Certificates); (xix) As of the date of the initial issuance of the Certificates, no Mortgage Note is secured by any collateral, pledged account or other security except the lien of the corresponding Mortgage; (xx) As of the Cut-off Date, none of the Second Mortgage Loans had a Second Lien Combined Loan-to-Value Ratio at origination in excess of 90.00%; (xxi) The Servicing Fee Rate for each Mortgage Loan is 0.50% per annum; (xxii) As of the date of the initial issuance of the Certificates, each Mortgage Note, the related Mortgage and each other agreement executed in connection therewith is a legal, valid and binding obligation of the parties thereto, enforceable in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other similar laws effecting the enforcement of creditors' rights generally and by general equity principals (regardless of whether such enforcement is considered in equity or at law); (xxiii) As of the date of the initial issuance of the Certificates, each Mortgage contains customary and enforceable provisions which render the rights and remedies of the holder thereof adequate for the realization against the related Mortgaged Property of the benefits of the security including (A) in the case of a Mortgage designated as a deed of trust, by trustee's sale and (B) otherwise by judicial foreclosure. To the best of the Company's knowledge, there is no homestead or other exemption available to the related Mortgagor that would materially interfere with the right to sell the related Mortgaged 45 Property at a trustee's sale or the right to foreclose the related mortgage. (xxiv) As of the date of the initial issuance of the Certificates, the improvements on the Mortgaged Properties are insured against loss under a hazard insurance policy with extended coverage representing coverage not less than the least of (A) the outstanding principal balance of the related Mortgage Loan (together, in the case of a second mortgage loan, with the outstanding principal balance of the related senior lien), (B) the minimum amount required to compensate for damage or loss on a replacement cost basis or (C) the full insurable value of the Mortgaged Property. As of the date of initial issuance of the Certificates, all such insurance policies are in full force and effect; (xxv) As of the Cut-off Date, no Mortgage Loan had a principal Balance of more than $385,000; (xxvi) As of the Cut-off Date, no more than 0.50% of the Mortgage Loans, by Principal Balance, are secured by Mortgaged Properties located in any one postal zip code area; (xxvii) As of the Cut-off Date, none of the Mortgage Loans constituted Buydown Mortgage Loans; (xxviii) No selection procedures, other than those necessary to comply with the representations and warranties set forth herein or the description of the Mortgage Loans made in any disclosure document delivered to prospective investors in the Certificates, have been utilized in selecting the Mortgage Loans from the Company's portfolio which would be adverse to the interests of the Certificateholders; (xxix) To the best of the Company's knowledge, at origination no improvement located on or being part of a Mortgaged Property was in violation of any applicable zoning and subdivision laws and ordinances; (xxx) As of the Closing Date, each Mortgage Loan is a "qualified mortgage" as defined in Section 860G(a)(3) of the Code; and (xxxi) As of the Closing Date, the Company possesses the Document File with respect to each Mortgage Loan, and the related Mortgages and intervening assignment or assignments of Mortgages, if any, have been delivered to a title insurance company for recording. 46 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. Upon discovery by either the Company or the Trustee of a breach of any of the foregoing representations and warranties which materially and adversely affects the interests of the Certificateholders in the related Mortgage Loan, the party discovering such breach shall give prompt written notice to the other. Subject to the following sentence, within 60 days of its discovery or its receipt of notice of breach, or, with the prior written consent of a Responsible Officer of the Trustee, such longer period specified in such consent, the Company shall cure such breach in all material respects or shall repurchase such Mortgage Loan from the Trustee or replace such Mortgage Loan pursuant to Section 2.03(b). Any such repurchase by the Company shall be accomplished in the manner set forth in Section 2.02, subject to the proviso of the third-to-last sentence thereof, and at the Purchase Price. It is understood and agreed that the obligation of the Company to repurchase or replace any Mortgage Loan as to which a breach occurred and is continuing shall constitute the sole remedy respecting such breach available to Certificateholders or the Trustee on behalf of Certificateholders and such obligation of the Company to repurchase or replace any such Mortgage Loan shall not be assumed by any Person which may succeed the Company as servicer hereunder, but shall continue as an obligation of the Company. Notwithstanding the preceding sentence, if a breach of the representation and warranty of the Company contained in Section 2.03(a)(xii) occurs as a result of a violation of the federal Truth in Lending Act, 15 U.S.C. ss. 1601 et seq., as amended ("TILA") or any state truth-in-lending or similar statute, and the Trustee or Trust Fund is named as a defendant in a TILA suit or a suit under any such statutes in respect of such violation and liability in respect thereof is imposed upon the Trustee or the Trust Fund as assignees of the related Mortgage Loan pursuant to Section 1641 of TILA, or any analogous provision of any such other statute, the Company shall indemnify the Trustee and the Trust Fund from, and hold them harmless against, any and all losses, liabilities, damages, claims or expenses (including reasonable attorneys' fees) to which the Trustee and the Trust Fund, or either of them, become subject pursuant to TILA or any such statute, insofar as such losses, damages, claims or expenses (including reasonable attorneys' fees) result from such violation. The Company's obligations under the preceding sentence shall not impair or derogate from the Company's obligations to the Trustee under Section 8.05. (b) If the Company is required to repurchase any Mortgage Loan pursuant to Section 2.02 or 2.03(a), the Company may, at its option, within the applicable time period specified 47 in such respective Sections, remove such Defective Mortgage Loan from the terms of this Agreement and substitute one or more other mortgage loans for such Defective Mortgage Loan, in lieu of repurchasing such Defective Mortgage Loan, provided that no such substitution shall occur more than two years after the Closing Date. Any substitute Mortgage Loan shall (a) have a Principal Balance (together with that of any other Mortgage Loan substituted for the same Defective Mortgage Loan) as of the first Distribution Date following the month of substitution not in excess of the Principal Balance of the Defective Mortgage Loan as of such date (the amount of any difference, plus one month's interest thereon at the respective Net Mortgage Rate, to be deposited by the Company in the Certificate Account pursuant to Section 2.02), (b) have a Mortgage Rate not less than, and not more than one percentage point greater than, the Mortgage Rate of the Defective Mortgage Loan, (c) have the same Net Mortgage Rate as the Defective Mortgage Loan, (d) have a remaining term to stated maturity not later than, and not more than one year less than, the remaining term to stated maturity of the Defective Mortgage Loan, (e) be, in the reasonable determination of the Company, of the same type, quality and character as the Defective Mortgage Loan as if the defect or breach had not occurred, (f) have a ratio of its current principal amount to its Original Value not greater than that of the removed Mortgage Loan and (g) be, in the reasonable determination of the Company, in compliance with the representations and warranties contained in Section 2.03(a) as of the date of substitution. The Company shall amend the Mortgage Loan Schedule to reflect the withdrawal of any Defective Mortgage Loan and the substitution of a substitute Mortgage Loan therefor. Upon such amendment the Company shall be deemed to have made as to such substitute Mortgage Loan the representations and warranties set forth in Section 2.03(a) as of the date of such substitution, which shall be continuing as long as any Certificate shall be outstanding or this Agreement has not been terminated, and the remedies for breach of any such representation or warranty shall be as set forth in Section 2.03(a). Upon such amendment, the Trustee shall review the Mortgage File delivered to it relating to the substitute Mortgage Loan, within the time and in the manner and with the remedies specified in Section 2.02, except that for purposes of this Section 2.03(b) (other than the two-year period specified in the first sentence of the preceding paragraph of this Section 2.03(b)), such time shall be measured from the date of the applicable substitution. Section 2.04. Execution of Certificates. The Trustee has caused to be executed, countersigned and delivered to or upon the order of the Company, in exchange for the Mortgage Loans, the 48 Certificates in authorized denominations evidencing the entire ownership of the Trust Fund. Section 2.05. The REMICs. (a) For federal income tax purposes, the Trust Fund shall consist of two REMICs, the Lower Tier REMIC and the Upper Tier REMIC. The Certificates, other than the Class R1 Certificate, shall be issued by the Upper Tier REMIC, and the Class R1 Certificate shall be issued by the Lower Tier REMIC. The Lower Tier REMIC shall be evidenced by the Class R1 Certificate and the regular interests having the characteristics and terms set forth in the following table, which interests (other than the Class R1 Certificate) shall be issued by the Lower Tier REMIC to the Trustee. The Lower Tier Interests and the proceeds thereof shall be assets of the Upper Tier REMIC. Principal of and interest on the Lower Tier Interests shall be allocated to the Corresponding Classes of Certificates in the manner set forth in the following table. Corresponding Class of Certificates(1) Lower Tier Allocation Allocation Lower Tier Initial Lower Interest of of Interest Tier Balance Rate Principal Interest --------- ------------- ----------- ---------- --------- A1 $56,900,000.00 (2) A1 (3) A2 20,000,000.00 (2) A2 (3) A3 30,000,000.00 (2) A3 (3) A4 10,000,000.00 (2) A4 (3) A5 13,400,000.00 (2) A5 (3) A6 23,411,000.00 (2) A6 (3) A7 17,063,000.00 (2) A7 (3) M 4,654,000.00 (2) M (3) B1 4,189,000.00 (2) B1 (3) B2 1,862,000.00 (2) B2 (3) B3 1,862,000.00 (2) B3 (3) B4 1,396,000.00 (2) B4 (3) B5 1,396,461.31 (2) B5 (3) R2 500.00 (4) R2 (4) - -------------------------- (1) Unless otherwise indicated, the amount of interest and principal allocable from a Lower Tier Interest to its Corresponding Class or Classes of Certificates on any Distribution Date shall be 100%. (2) Each of Lower Tier Interests A1, A2, A3, A4, A5, A6, A7, M, B1, B2, B3, B4 and B5 shall bear interest at a rate equal to the Weighted Average Net Mortgage Rate. (3) For each Interest Accrual Period, the interest accrued on each of Lower Tier Interests A1, A2, A3, A4, A5, A6, A7, M, B1, B2, B3, B4 and B5 will be allocated as follows: (i) an amount equal to the Accrued Certificate 49 Interest for such Interest Accrual Period for the Class of Certificates having an identical alphabetical and numerical designation shall be allocable to such Class, and (ii) an amount equal to the excess of the interest accrued on such Lower Tier Interest over the amount allocated in clause (i) above shall be allocated to the Class S Certificates. (4) Lower Tier Interest R2 shall bear interest at a rate equal to the product of (x) 2 and (y) the Weighted Average Net Mortgage Rate. (b) The Lower Tier Interests shall be issued as non- certificated interests. The Class R1 Certificate shall be issued in fully registered certificated form and shall be executed and countersigned as provided in Section 5.01 hereof. (c) For purposes of further identifying the terms of the Lower Tier Interests, distributions of principal and interest on each Class of Lower Tier Interests shall be considered to correspond, in timing and aggregate amount, to the distributions of principal and interest, respectively, made under Section 4.01 on the Corresponding Classes of Certificates, and allocations of losses on each Class of Lower Tier Interests shall be considered to correspond, in timing and aggregate amount, to the allocations of losses made under Section 4.03 on the Corresponding Classes of Certificates. (d) On each Distribution Date, in addition to amounts otherwise distributable thereon pursuant to Section 4.01, the Trustee shall distribute to the holder of the Class R1 Certificate any amounts (other than the amounts described in clauses (x) and (y) of the definition of Available Funds) remaining in the Lower Tier REMIC after all amounts required to be applied pursuant to Section 2.05(c) have been so applied. Any distributions pursuant to this clause (d) shall not reduce the Certificate Principal Balance of the Class R1 Certificate. Section 2.06. Designations under the REMIC Provisions. (a) The Company hereby designates the Lower Tier Interests identified in Section 2.05(a) above as "regular interests," and the Class R1 Certificate as the single class of "residual interests," in the Lower Tier REMIC for purposes of the REMIC Provisions. (b) The Company hereby designates the Classes of Certificates identified in Section 5.01(b), other than the Residual Certificates, as "regular interests," and the Class R2 Certificate as the single class of "residual interests," in the Upper Tier REMIC for purposes of the REMIC Provisions. (c) The Closing Date will be the "Startup Day" for each of the Upper Tier REMIC and Lower Tier REMIC for purposes of the REMIC Provisions. 50 (d) The "tax matters person" with respect to the Upper Tier REMIC for purposes of the REMIC Provisions shall be (i) the Company, if the Company is the owner of a Class R2 Certificate, or (ii) in any other case, the beneficial owner of the Class R2 Certificate having the largest Percentage Interest of such Class; provided, however, that such largest beneficial owner and, to the extent relevant, each other holder of a Class R2 Certificate, by its acceptance thereof irrevocably appoints the Company as its agent and attorney-in-fact to act as "tax matters person" with respect to the Upper Tier REMIC for purposes of the REMIC Provisions. The "tax matters person" with respect to the Lower Tier REMIC for purposes of the REMIC Provisions shall be (i) the Company, if the Company is the owner of a Class R1 Certificate, or (ii) in any other case, the beneficial owner of the Class R1 Certificate having the largest Percentage Interest of such Class; provided, however, that such largest beneficial owner and, to the extent relevant, each other holder of a Class R1 Certificate, by its acceptance thereof irrevocably appoints the Company as its agent and attorney-in-fact to act as "tax matters person" with respect to the Lower Tier REMIC for purposes of the REMIC Provisions. (e) The "latest possible maturity date" of the regular interests in the Upper Tier REMIC and Lower Tier REMIC is the Latest Maturity Date for purposes of section 860G(a)(1) of the Code. (f) In no event shall the assets described in clause (viii) of the definition of the term Trust Fund constitute a part of the Upper Tier REMIC or the Lower Tier REMIC and shall constitute an outside reserve fund owner by the Certificateholder depositing assets. For Federal income tax purposes, the Company, on behalf of the Trustee, shall account for such assets as required to comply with Treasury Regulations 1.860G-2(h) and (i) for such assets to be represented as separate from the REMICs created pursuant to this Agreement. ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Company to Act as Servicer. (a) It is intended that each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder shall constitute, and that the affairs of the REMICs shall be conducted so as to qualify each of the Upper Tier REMIC and the Lower Tier REMIC (other than any 51 collateral fund established under the agreement referred to in Section 3.08(e)) as, a "real estate mortgage investment conduit" as defined in and in accordance with the REMIC Provisions. In furtherance of such intention, the Company covenants and agrees that it shall act as agent (and the Company is hereby appointed to act as agent) on behalf of each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder and the respective Holders of the Residual Certificates and that in such capacity it shall: (i) prepare and file, or cause to be prepared and filed, in a timely manner, a U.S. Real Estate Mortgage Investment Conduit Income Tax Return (Form 1066) and prepare and file or cause to be prepared and filed with the Internal Revenue Service and applicable state or local tax authorities income tax or information returns for each taxable year with respect to each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder, using the calendar year as the taxable year and the accrual method of accounting, containing such information and at the times and in the manner as may be required by the Code or state or local tax laws, regulations, or rules, and shall furnish or cause to be furnished to Certificateholders the schedules, statements or information at such times and in such manner as may be required thereby; (ii) within thirty days of the Closing Date, shall furnish or cause to be furnished to the Internal Revenue Service, on Form 8811 or as otherwise may be required by the Code, the name, title, address, and telephone number of the person that the holders of the Certificates may contact for tax information relating thereto (and the Company shall act as the representative of each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder for this purpose), together with such additional information as may be required by such Form, and shall update such information at the time or times and in the manner required by the Code; (iii) make or cause to be made an election, on behalf of each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder, to be treated as a REMIC, and make the appropriate designations, if applicable, in accordance with Section 2.06 hereof on the federal tax return of the Trust Fund for its first taxable year (and, if necessary, under applicable state law); (iv) prepare and forward, or cause to be prepared and forwarded, to the Certificateholders and to the Internal Revenue Service and, if necessary, state tax authorities, all information returns or reports, or furnish or cause to 52 be furnished by telephone, mail, publication or other appropriate method such information, as and when required to be provided to them in accordance with the REMIC Provisions and the Code, including without limitation, the calculation of any original issue discount using the Prepayment Assumption; (v) provide information necessary for the computation of tax imposed on the transfer of a Residual Certificate to a Disqualified Organization, or an agent (including a broker, nominee or other middleman) of a Disqualified Organization, or a pass-through entity in which a Disqualified Organization is the record holder of an interest (the reasonable cost of computing and furnishing such information may be charged to the Person liable for such tax); (vi) use its best reasonable efforts to conduct the affairs of each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder at all times that any Certificates are outstanding so as to maintain the status thereof as a REMIC under the REMIC Provisions; (vii) not knowingly or intentionally take any action or omit to take any action that would cause the termination of the REMIC status of either of the Upper Tier REMIC or the Lower Tier REMIC or that would subject the Trust Fund to tax; (viii) exercise reasonable care not to allow the creation of any "interests" (A) in the Upper Tier REMIC within the meaning of section 860D(a)(2) of the Code in addition to the interests represented by the Classes of Certificates identified in Section 5.01(b) other than the Class R1 Certificate, and (B) in the Lower Tier REMIC within the meaning of Section 860D(a)(2) of the Code in addition to the interests represented by the Lower Tier Interests identified in Section 2.05(a) and the Class R1 Certificate; (ix) exercise reasonable care not to allow the occurrence of any "prohibited transactions" within the meaning of section 860F of the Code, unless the Company shall have provided an Opinion of Counsel to the Trustee that such occurrence would not (a) result in a taxable gain, (b) otherwise subject the Trust Fund to tax, or (c) cause either of the Upper Tier REMIC or the Lower Tier REMIC established hereunder to fail to qualify as a REMIC; (x) exercise reasonable care not to allow the Trust Fund to receive income from the performance of services or 53 from assets not permitted under the REMIC Provisions to be held by a REMIC; (xi) pay the amount of any federal or state tax, including prohibited transaction taxes, taxes on certain contributions to the REMIC after the Startup Day, and taxes on net income from foreclosure property, imposed on the Trust Fund when and as the same shall be due and payable (but such obligation shall not prevent the Company or any other appropriate Person from contesting any such tax in appropriate proceedings and shall not prevent the Company from withholding payment of such tax, if permitted by law, pending the outcome of such proceedings); (xii) ensure that federal, state or local income tax or information returns shall be signed by the Trustee or such other person as may be required to sign such returns by the Code or state or local laws, regulations or rules; and (xiii) maintain such records relating to each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder, including but not limited to the income, expenses, individual Mortgage Loans (including Mortgaged Property), other assets and liabilities thereof, and the fair market value and adjusted basis of the property of each determined at such intervals as may be required by the Code, as may be necessary to prepare the foregoing returns, schedules, statements or information. The Company shall be entitled to be reimbursed pursuant to Section 3.04 for any federal income taxes paid by it pursuant to clause (xi) of the preceding sentence, except to the extent that such taxes are imposed as a result of the bad faith, misfeasance or negligence of the Company in the performance of its obligations hereunder. With respect to any reimbursement of prohibited transaction taxes, the Company shall inform the Trustee of the circumstances under which such taxes were incurred. (b) The Company shall service and administer the Mortgage Loans and shall have full power and authority, acting alone or through one or more Primary Servicers, to do any and all things in connection with such servicing and administration which it may deem necessary or desirable. Without limiting the generality of the foregoing, the Company shall continue, and is hereby authorized and empowered by the Trustee, to execute and deliver, or file, as appropriate, on behalf of itself, the Certificateholders and the Trustee or any of them, any and all continuation statements, termination statements, instruments of satisfaction or cancellation, or of partial or full release or 54 discharge and all other comparable instruments, with respect to the Mortgage Loans and with respect to the properties subject to the Mortgages. Without limitation of the foregoing, if the Company in its individual capacity agrees to refinance any Mortgage Loan upon the request of the related Mortgagor, the Company, as servicer hereunder, may execute an instrument of assignment in customary form to the Company in its individual capacity. In connection with any such refinancing, the Trustee shall, upon certification of a Servicing Officer to the effect that an amount equal to the principal balance of the related Mortgage Loan together with accrued and unpaid interest thereon at the applicable Net Mortgage Rate to the date of such certification has been credited to the Mortgage Loan Payment Record, release the related Mortgage File to the Company whereupon the Company may cancel the related Mortgage Note. Upon request by the Company after the execution and delivery of this Agreement, the Trustee shall furnish the Company with any powers of attorney and other documents necessary or appropriate to enable the Company to carry out its servicing and administrative duties hereunder. The Company shall service and administer the Mortgage Loans with reasonable care, using that degree of skill and attention that the Company exercises with respect to all comparable home equity mortgage loans that it services for itself or others, and that are generally accepted industry practice. The Company shall follow its customary standards, policies and procedures in performing its duties as servicer. The Company shall not agree to any modification of the material terms of any Mortgage Loan except as provided in the second sentence of Section 3.02(a) and in Section 3.07. The Company shall not release any portion of any Mortgaged Property from the lien of the related Mortgage unless the related Mortgage Loan would be a "qualified mortgage" within the meaning of the REMIC Provisions following such release. The Company shall not consent to the placing of a lien senior to that of the Mortgage on the related Mortgaged Property, except in the case of the refinancing of an existing first mortgage loan on a Mortgaged Property and only if all Loan Conditions have been satisfied (any such lien, a "Permitted Senior Lien"). In the event that foreclosure proceedings are commenced with respect to any Mortgage Loan with respect to which the Company or any Primary Servicer has consented to the placing of a subsequent senior lien and such senior lien is not a Permitted Senior Lien, the Company shall repurchase such Mortgage Loan on the Deposit Date for the next Distribution Date following the related Collection Period during which such foreclosure proceedings were commenced. Such repurchase shall be accomplished in the same manner and subject to the same conditions as set forth in Section 2.02. Upon making any such repurchase the Company shall be entitled to receive an instrument 55 of assignment or transfer from the Trustee to the same extent as set forth in Section 2.02. For purposes of this Agreement, any such purchase shall be deemed to be a prepayment of such Mortgage Loan. It is understood and agreed that the obligation of the Company to purchase any Mortgage Loan (or property acquired in respect thereof or insurance policy or insurance proceeds with respect thereto) pursuant to the second immediately preceding sentence shall constitute the sole remedy against it respecting such breach available to the Certificateholders or the Trustee and such obligation shall survive any resignation or termination of the Company under this Agreement. (c) The relationship of the Company (and of any successor to the Company as servicer under this Agreement) to the Trustee under this Agreement is intended by the parties to be that of an independent contractor and not that of a joint venturer, partner or agent. (d) All costs incurred by the Company 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 Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loans so permit, and such costs shall be recoverable by the Company to the extent permitted by Section 3.04. The Company shall collect such amounts from the Mortgagor and shall credit the Mortgage Loan Payment Record accordingly. (e) If the Company enters into a servicing agreement with any servicer (a "Primary Servicer") pursuant to which such Primary Servicer shall directly service certain Mortgage Loans and the Company shall perform master servicing with respect thereto, the Company shall not be released from its obligations to the Trustee and Certificateholders with respect to the servicing and administration of the Mortgage Loans in accordance with the provisions of Article III hereof and such obligations shall not be diminished by virtue of any such servicing agreement or arrangement and the Company shall be obligated to the same extent and under the same terms and conditions as if the Company alone were servicing and administering the Mortgage Loans. Any amounts received by a Primary Servicer in respect of a Mortgage Loan shall be deemed to have been received by the Company whether or not actually received by it. Any servicing agreement that may be entered into and any transactions or services relating to the Mortgage Loans involving a Primary Servicer in its capacity as such shall be deemed to be between the Company and the Primary Servicer alone, and the Trustee and the Certificateholders shall have no claims, obligations, duties or liabilities with respect thereto. Notwithstanding the foregoing, in the event the Company 56 has been removed as the servicer hereunder pursuant to Section 6.04 or Section 7.01, the Trustee or any successor servicer appointed pursuant to Section 7.02 shall succeed to all of the Company's rights and interests (but not to any obligations or liabilities of the Company arising prior to the date of succession) under any servicing agreement with any Primary Servicer in respect of the Mortgage Loans, subject to the limitation on the Trustee's responsibilities under Section 7.02. Section 3.02. Collection of Certain Mortgage Loan Payments; Mortgage Loan Payment Record; Certificate Account. (a) The Company 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, follow such collection procedures as it follows with respect to mortgage loans comparable to the Mortgage Loans in its servicing portfolio. Consistent with the foregoing, the Company may in its discretion (i) waive any late payment charge or any assumption fees or other fees which may be collected in the ordinary course of servicing such Mortgage Loan and (ii) if a default on the Mortgage Loan has occurred or is reasonably foreseeable, arrange with a Mortgagor a schedule for the payment of principal and interest due and unpaid for a period of not more than 125 days after the applicable Due Date. Any arrangement of the sort described in clause (ii) above shall not affect the amount or timing of the Company's obligation to make Monthly Advances with respect to any Mortgage Loan which Monthly Advances shall be made pursuant to the original amortization schedule applicable to such Mortgage Loan. (b) The Company shall establish and maintain a Mortgage Loan Payment Record in which the following payments on and collections in respect of each Mortgage Loan shall as promptly as practicable be credited by the Company for the account of the Holders of the Certificates: (i) All payments on account of principal, including Principal Prepayments (other than (A) payments of principal due and payable on the Mortgage Loans before, and all Principal Prepayments received before, the Cut-off Date, (B) in the case of a substitute Mortgage Loan, payments of principal due and payable on such Mortgage Loan on or before the Determination Date in the month of substitution, and all Principal Prepayments received before the first day of the month of substitution, and (C) in the case of a replaced Mortgage Loan, payments of principal due and payable on such Mortgage Loan after the Determination Date in the month of substitution, and all Principal Prepayments received in the month of substitution); 57 (ii) All payments (other than (A) those due and payable before the Cut-off Date, (B) in the case of a substitute Mortgage Loan, those due and payable on such Mortgage Loan on or before the Determination Date in the month of substitution, and (C) in the case of a replaced Mortgage Loan, those due and payable on such Mortgage Loan after the Determination Date in the month of substitution) on account of interest at the applicable Net Mortgage Rate on the Mortgage Loan received from the related Mortgagor, including any Buydown Funds applied with respect to interest at the applicable Net Mortgage Rate on any Buydown Mortgage Loan; (iii) All Liquidation Proceeds received by the Company with respect to such Mortgage Loan and the Purchase Price for any Mortgage Loan purchased by the Company pursuant to Sections 2.02, 2.03 and 3.16 (including any amounts received in respect of a substitution of a Mortgage Loan); (iv) All Insurance Proceeds (including, for this purpose, any amounts required to be credited by the Company pursuant to the last sentence of Section 3.06) received by the Company for the benefit of the Trust Fund, other than proceeds to be applied to the restoration or repair of the property subject to the related Mortgage or released, or to be released, to the related Mortgagor in accordance with the normal servicing procedures of the Company; and (v) All REO Proceeds; and (vi) All Unanticipated Recoveries. The foregoing requirements respecting credits to the Mortgage Loan Payment Record are exclusive, it being understood that, without limiting the generality of the foregoing, the Company need not enter in the Mortgage Loan Payment Record collections, Liquidation Proceeds or Insurance Proceeds in respect of Mortgage Loans which have been previously released from the terms of this Agreement, amounts representing fees, late charge penalties or Prepayment Premiums payable by Mortgagors, or amounts received by the Company for the account of Mortgagors for application towards the payment of taxes, insurance premiums, assessments and similar items. (c) Subject to subsection (e) below, until the Business Day prior to each Distribution Date on which amounts are required to be transferred to the Certificate Account pursuant to subsection (d) of this Section 3.02, the Company may retain and commingle such amounts with its own funds and shall be entitled to retain for its own account any gain or investment income thereon, and any such investment income shall not be subject to 58 any claim of the Trustee or Certificateholders. To the extent that the Company realizes any net loss on any such investments, the Company shall deposit in the Certificate Account an amount equal to such net loss at the time the Company is required to deposit amounts in the Certificate Account pursuant to subsection (d) of this section 3.02. Any such deposit shall not increase the Company's obligation under said subsection (d). (d) The Trustee shall establish and maintain with the Trustee in its corporate trust department a single separate trust account designated in the name of the Trustee for the benefit of the Holders of the Certificates issued hereunder (the "Certificate Account") into which the Company shall transfer, not later than 11:00 a.m. New York time on the Business Day prior to each Distribution Date, an amount in next day funds equal to the sum of Available Funds for such Distribution Date and any Unanticipated Recoveries received in the calendar month preceding the month of such Distribution Date. If the Trustee does not receive such transfer by 2:00 p.m. on such Business Day, it shall give the Company written notice thereof. (e) If the Company or a Responsible Officer of the Trustee obtains actual notice of or knowledge of the occurrence of either (x) any Trigger Event or (y) the downgrade by Moody's of GECC's short-term senior unsecured debt rating below P1, notwithstanding subsection (c) above, the Company shall promptly establish, and thereafter maintain, one or more Eligible Accounts in the name of the Trustee and bearing a designation indicating that amounts therein are held for the benefit of the Trustee and the Certificateholders, into which the Company and any Primary Servicer shall deposit within two Business Days after receipt, all amounts otherwise required to be credited to the Mortgage Loan Payment Record pursuant to Section 3.02(b); provided, however, that such action shall not be required if the Company delivers to the Trustee a letter from each Rating Agency to the effect that the failure to take such action will not cause such Rating Agency to withdraw or reduce its then current ratings of the Certificates. All amounts so deposited shall be held in trust for the benefit of Certificateholders. Amounts so deposited may be invested at the written instruction of the Company in Permitted Investments in the name of the Trustee maturing no later than the Business Day preceding the Distribution Date following the date of such investment; provided, however, that any such Permitted Investment which is an obligation of The First National Bank of Chicago, in its individual capacity and not in its capacity as Trustee, or represents an interest in its Corporate Trust Short Term Investment Fund, may mature on such Distribution Date; and, provided further, that no such Permitted Investment shall be sold before the maturity thereof if the sale thereof would result in 59 the realization of gain prior to maturity unless the Company has obtained an Opinion of Counsel that such sale or disposition will not cause the Trust Fund to be subject to the tax on prohibited transactions under section 860F of the Code, or otherwise subject the Trust Fund to tax or cause either of the Upper Tier REMIC or the Lower Tier REMIC established hereunder to fail to qualify as a REMIC. The Trustee shall maintain physical possession of all Permitted Investments, other than Permitted Investments maintained in book-entry form. The Company, as servicer, shall be entitled to retain for its own account any gain or other income from Permitted Investments, and neither the Trustee nor Cer- tificateholders shall have any right or claim with respect to such income. The Company shall deposit an amount equal to any loss realized on any Permitted Investment as soon as any such loss is realized. If the provisions in this subsection (e) become operable, references in this Agreement to the Mortgage Loan Payment Record and credits and debits to such Record shall be deemed to refer to Eligible Accounts and deposits to and withdrawals from such Eligible Accounts. Any action which may be necessary to establish the terms of an account pursuant to this Section 3.02(e) may be taken by an amendment or supplement to this Agreement or pursuant to a written order of the Company, which amendment, supplement or order shall not require the consent of Certificateholders, provided that the Company has delivered to the Trustee a letter from each Rating Agency to the effect that such amendment, supplement or order will not cause such Rating Agency to withdraw or reduce its then current ratings of the Certificates. Section 3.03. [Omitted]. Section 3.04. Permitted Debits to the Mortgage Loan Payment Record. The Company (or any successor servicer pursuant to Section 7.02) may, from time to time, make debits to the Mortgage Loan Payment Record for the following purposes: (i) To reimburse the Company or the applicable Primary Servicer for Liquidation Expenses theretofore incurred in respect of any Mortgage Loan in an amount not to exceed the amount of the related Liquidation Proceeds credited to the Mortgage Loan Payment Record pursuant to Section 3.02(b)(iii); provided that the Company or the applicable Primary Servicer shall not be entitled to reimbursement for Liquidation Expenses incurred after the initiation of foreclosure proceedings in respect of any Defaulted Mortgage Loan that is repurchased pursuant to Section 3.16; (ii) To reimburse the Company or the applicable Primary Servicer for Insured Expenses and amounts expended by it pursuant to Section 3.08 in good faith in connection with 60 the restoration of property damaged by an Uninsured Cause, in an amount not to exceed the amount of the related Insurance Proceeds and Liquidation Proceeds (net of any debits pursuant to clause (i) above) and amounts representing proceeds of other insurance policies covering the property subject to the related Mortgage credited to the Mortgage Loan Payment Record pursuant to Section 3.02(b) (iii) and (iv); (iii) To reimburse the Company to the extent permitted by Sections 3.01(a) and 6.04; (iv) To pay to the Company amounts received in respect of any Defective Mortgage Loan or Defaulted Mortgage Loan purchased by the Company to the extent that the distribution of any such amounts on the Distribution Date upon which the proceeds of such purchase are distributed would make the total amount distributed in respect of any such Mortgage Loan on such Distribution Date greater than the Purchase Price therefor, net of any unreimbursed Monthly Advances made by the Company; (v) To reimburse the Company (or the Trustee, as applicable) for Monthly Advances theretofore made in respect of any Mortgage Loan, including an REO Mortgage Loan or Liquidated Mortgage Loan, to the extent of late payments, REO Proceeds, Insurance Proceeds and Liquidation Proceeds in respect of such Mortgage Loan; (vi) To reimburse the Company from any Mortgagor payment of interest or other recovery with respect to a particular Mortgage Loan, to the extent not previously retained by the Company, for unpaid Servicing Fees with respect to such Mortgage Loan, subject to Section 3.08(d); (vii) To reimburse the Company for any Nonrecoverable Advance; and (viii) To make transfers of funds to the Certificate Account pursuant to Section 3.02(d). The Company shall keep and maintain separate accounting records, on a Mortgage Loan by Mortgage Loan basis, for the purpose of accounting for debits to the Mortgage Loan Payment Record pursuant to clauses (i), (ii), (iv), (v) and (vi) of this Section 3.04; provided, however, that it is understood and agreed that the records of such accounting need not be retained by the Company for a period longer than the five most recent fiscal years. 61 Section 3.05. [Omitted]. Section 3.06. Maintenance of Hazard Insurance. The Company shall cause to be maintained for each Mortgage Loan hazard insurance with a standard mortgagee clause and with extended coverage in an amount which is at least equal to the maximum insurable value of the improvements securing such Mortgage Loan from time to time or the principal balance owing on such Mortgage Loan from time to time (and, in the case of a Second Mortgage Loan, on the related first mortgage loan), whichever is less. The Company shall also maintain on property acquired upon foreclosure, or by deed in lieu of foreclosure, hazard insurance with extended coverage in an amount which is at least equal to the lesser of (i) the maximum insurable value from time to time of the improvements which are a part of such property or (ii) the unpaid principal balance of such Mortgage Loan at the time of such foreclosure or deed in lieu of foreclosure. To the extent provided in Section 3.02(b)(iv), amounts collected by the Company under any such policies in respect of the Mortgage Loans shall be credited to the Mortgage Loan Payment Record. Such costs shall be recoverable by the Company pursuant to Section 3.04. In cases in which property securing any Mortgage Loan is located in a federally designated flood area, the hazard insurance to be maintained for such Mortgage Loan shall include flood insurance. All such flood insurance shall be in such amounts as are required under applicable guidelines of FNMA. The Company shall be under no obligation to require that any Mortgagor maintain earthquake or other additional insurance and shall be under no obligation itself to maintain any such additional insurance 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. If the Company shall obtain and maintain a blanket policy 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 3.06, it being understood and agreed that such policy may contain a deductible clause, in which case the Company 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 3.06, and there shall have been a loss which would have been covered by such policy, credit to the Mortgage Loan Payment Record the amount not otherwise payable under the blanket policy because of such deductible clause. Section 3.07. Assumption and Modification Agreements. (a) In any case in which property subject to a Mortgage has been or is about to be conveyed by the Mortgagor, the Company shall exercise its right to accelerate the maturity of such Mortgage 62 Loan under any "due-on-sale" clause applicable thereto; provided, however, that if the Company is prevented, as provided in Section 3.07(b), from enforcing any such clause, the Company is authorized to make or enter into an assumption and modification agreement from or with the Person to whom such property has been or is about to be conveyed, pursuant to which such Person becomes liable under the Mortgage Note and the Mortgagor remains liable thereon. In connection with any such assumption and modification agreement, the Company shall apply its then current underwriting standards to such Person. The Company shall not make or enter into any such assumption and modification agreement, however, unless (to the extent practicable in the circumstances) it shall have received confirmation of the continued effectiveness of any applicable hazard insurance policy. The Company shall notify the Trustee that any assumption and modification agreement has been completed by forwarding to the Trustee the original copy thereof, which copy shall be added by the Trustee to the related Mortgage File and shall, for all purposes, be considered a part of such Mortgage File to the same extent as all other documents and instruments constituting a part thereof. In connection with any such agreement, the Mortgage Rate, mortgage term and any other material term of such Mortgage Loan shall not be changed. Any fee collected by the Company for entering into any such agreement will be retained by the Company as additional servicing compensation. (b) Notwithstanding Section 3.07(a) or any other provision of this Agreement, the Company shall not be deemed to be in default, breach or any other violation of its obligations hereunder by reason of any assumption of a Mortgage Loan, or transfer of the property subject to a Mortgage without the assumption thereof, by operation of law or any assumption or transfer which the Company reasonably believes it may be restricted by law from preventing, for any reason whatsoever. Section 3.08. Realization Upon Defaulted Mortgage Loans. (a) The Company shall foreclose upon or otherwise comparably convert 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 3.02. In connection with such foreclosure or other conversion the Company shall follow such practices and procedures (including, in the case of any default on a related senior mortgage loan, the advancing of funds to correct such default) as it shall deem necessary or advisable and as shall be normal and usual in its general home equity mortgage loan servicing activities. The foregoing is subject to the proviso that the Company shall not be required to expend its own funds in connection with any foreclosure or towards the restoration of any property unless it shall determine (i) that 63 such restoration or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Certificateholders after reimbursement to itself for such expenses and (ii) that such expenses will be recoverable to it either through Liquidation Proceeds or Insurance Proceeds. Notwithstanding the foregoing, the Company shall not be entitled to recover legal expenses incurred in connection with foreclosure proceedings where the Mortgage Loan is reinstated and such foreclosure proceedings are terminated prior to completion, other than sums received from the Mortgagor for such expenses. Notwithstanding anything to the contrary contained herein, the Company shall be under no obligation to foreclose upon or otherwise convert the ownership of any Mortgaged Property which it believes may be contaminated with or affected by hazardous or toxic wastes, materials or substances. The Company may, but shall not be obligated to, make such determination on the basis of a Phase I environmental assessment with respect to the related Mortgaged Property. Neither the Trustee nor the Company shall be liable to the Trust Fund or the Certificateholders if, based on the Company's belief that such contamination or effect exists, the Company does not foreclose upon or otherwise convert the ownership of a Mortgaged Property. In addition, neither the Trustee nor the Company shall be liable to the Trust Fund or the Certificateholders if, based on the Company's belief that no such contamination or effect exists, the Company forecloses upon a Mortgaged Property and the Trustee or its nominee on behalf of the Trust Fund takes title to such Mortgaged Property, and thereafter such Mortgaged Property is determined to be so contaminated or affected. (b) In the event that title to any Mortgaged Property is acquired in 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 the Trust Fund. Notwithstanding any such acquisition of title and cancellation of the related Mortgage Loan, such Mortgage Loan shall (except for purposes of Section 9.01) be considered to be an Outstanding Mortgage Loan until such time as the Mortgaged Property shall be sold and such Mortgage Loan becomes a Liquidated Mortgage Loan. Consistent with the foregoing, for purposes of all calculations hereunder so long as such Mortgage Loan shall be considered to be an Outstanding Mortgage Loan, it shall be assumed that the related Mortgage Note and its amortization schedule, if any, in effect on and after such acquisition of title (after giving effect to any previous Principal Prepayments) remain in effect (notwithstanding that the indebtedness evidenced by such Mortgage Note shall have been discharged), subject to adjustment to reflect the application of REO Proceeds received in any month. REO Proceeds received in any month shall be applied to the payment of the 64 installments of principal due and interest accrued on the related REO Mortgage Loan in accordance with the terms of such Mortgage Note (in the case of a Simple Interest Mortgage Loan, assuming payments are made on the related Due Date). REO Proceeds received in any month in excess of the Amortization Payment for such month due on an REO Mortgage Loan shall be treated as a Principal Prepayment received in respect of such Mortgage Loan. (c) In the event that the Trust Fund acquires any Mortgaged Property as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Company shall dispose of such Mortgaged Property prior to the close of the third calendar year after the year of its acquisition by the Trust Fund unless (a) the Trustee shall have been supplied with an Opinion of Counsel to the effect that the holding by the Trust Fund of such Mortgaged Property subsequent to such period (and specifying the period beyond such period for which the Mortgaged Property may be held) will not result in the imposition of taxes on "prohibited transactions" of the Trust Fund as defined in section 860F of the Code, or cause either of the Upper Tier REMIC or the Lower Tier REMIC established hereunder to fail to qualify as a REMIC at any time that any Certificates are outstanding, in which case the Trust Fund may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel), or (b) the Trustee (at the Company's expense) or the Company shall have applied for, not later than 61 days prior to the expiration of such period, an extension of such period in the manner contemplated by section 856(e)(3) of the Code, in which case the period shall be extended by the applicable period. Notwithstanding any other provision of this Agreement, no Mortgaged Property acquired by the Trust Fund shall be rented (or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the Trust Fund or sold in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify at any time as "foreclosure property" within the meaning of section 860G(a)(8) of the Code, (ii) subject the Trust Fund to the imposition of any federal or state income taxes on "net income from foreclosure property" with respect to such Mortgaged Property within the meaning of section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged Property to result in the receipt by the Trust Fund of any income from non-permitted assets as described in section 860F(a)(2)(B) of the Code, unless the Company has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any such taxes. (d) Any collection of Insurance Proceeds or Liquidation Proceeds will be applied in the following order of priority: first, to reimburse the Company for any related unreimbursed Liquidation Expenses and to reimburse the Company, 65 for any related unreimbursed Monthly Advances; second, to accrued and unpaid interest on the Mortgage Loan at the Mortgage Rate from the date to which interest was last paid or advanced to the Due Date in the Collection Period relating to the Distribution Date on which such amounts are to be distributed; and third, as a recovery of principal of the Mortgage Loan. If the amount so allocated to interest is less than the full amount of accrued and unpaid interest due on such Mortgage Loan, the amount of such recovery will be allocated between the Servicing Fee and interest at the Net Mortgage Rate in proportion to the amount of such accrued interest which would have been allocated to each such category in the absence of any shortfall. (e) Notwithstanding anything to the contrary contained herein, the Company shall have the right to enter into an agreement substantially in the form of Exhibit K hereto with any Person that is the Holder of 100% of the Class B5 Certificates or (provided that such form may be revised to delete the option on the part of such Person to purchase a defaulted Mortgage Loan as set forth in Section 2.02(f) thereof). Prior to entering into any such agreement with any Person, the Company shall obtain a certification from such Person to the effect that (i) such Person is not an "affiliate" (within the meaning of the Prohibited Transaction Exemption) of the Trustee and (ii) such Person will not purchase any Certificates if such purchase would cause such Person to hold more than a ten percent interest in the Mortgage Pool. It is understood that the right of the Company to be reimbursed for Monthly Advances and Nonrecoverable Advances under this Agreement shall not be affected in any way by the provisions of any such agreement. The Trustee hereby agrees to perform such obligations as may be expressly required of it pursuant to the provisions of such agreement and to promptly notify each party to such agreement if a Responsible Officer of the Trustee (with direct responsibility for administration of this Agreement) becomes aware of any discussions, plans or events that might lead to the Trustee's becoming an "affiliate" (within the meaning of the Prohibited Transaction Exemption) of any Person with which the Company has entered into such agreement, provided that the contents of any such notification shall be kept confidential by the parties to such agreement. The Company agrees to promptly notify the Trustee upon entering into any such agreement. In addition, the Company shall provide the Trustee with such information as may be necessary for the Trustee to perform its obligations thereunder, including written instructions, clearly identifying the source, amount and application of funds to be deposited or withdrawn from the Collateral Fund (as defined in such agreement). The Trustee shall provide the Company with such information concerning credits and debits to the Collateral Fund on account of income, gains and losses realized from Collateral Fund Permitted Investments (as defined in such agreement), and 66 costs associated with the purchase and sale thereof, as the Company may request in order to prepare the instructions described in the preceding sentence. In addition, subject to the provisions of the preceding paragraph, the Company shall have the right to enter into an agreement substantially in the form of Exhibit K hereto with any Person that is the Holder of 100% of the Class B4 Certificates, provided that (i) such Person is also the Holder of 100% of the Class B5 Certificates, (ii) such Person shall have no rights under such agreement until the date on which the Class Certificate Principal Balance of the Class B5 Certificates has been reduced to zero, and (iii) any rights of such Person under such Agreement shall terminate in the event that such Person transfers, directly or indirectly, the Class B4 Certificates to any other Person. Section 3.09. Trustee to Cooperate; Release of Mortgage Files. Upon the payment in full of any Mortgage Loan, the Company will immediately notify the Trustee by a certification (which certification shall include a statement to the effect that all amounts received in connection with such payment which are required to be credited to the Mortgage Loan Payment Record pursuant to Section 3.02 have been so credited) of a Servicing Officer and shall request delivery to it of the Mortgage File. If a Buydown Mortgage Loan is the subject of a Principal Prepayment in full during the related Buydown Period, the related Buydown Funds will be applied or returned to the Person entitled thereto in accordance with the terms of such Buydown Mortgage Loan. Upon receipt of such certification and request in form satisfactory to the Trustee, the Trustee shall promptly, but in any event within five Business Days, release the related Mortgage File to the Company; provided, that the Trustee shall not be responsible for any delay in the release of a Mortgage File resulting from acts beyond its control, including without limitation, acts of God, strikes, lockouts, riots, acts of war or terrorism, epidemics, nationalization, governmental regulations imposed after the fact, fire, communication line failures, computer viruses, power failures, earthquakes or other disasters. Upon any such payment in full, the Company is authorized to execute, pursuant to the authorization contained in Section 3.01, an instrument of satisfaction regarding such Mortgage, which instrument of satisfaction shall be recorded by the Company if required by applicable law and be delivered to the Person entitled thereto, it being understood and agreed that no expenses incurred in connection with such instrument of satisfaction shall be reimbursed from amounts at the time credited to the Mortgage Loan Payment Record. From time to time and as appropriate for the servicing or foreclosure of any Mortgage Loan (including, without limitation, collection under 67 any primary mortgage insurance policy), the Trustee shall, upon request of the Company and delivery to the Trustee of a receipt signed by a Servicing Officer, release the related Mortgage File to the Company and shall execute such documents as shall be necessary to the prosecution of any such proceedings. Such receipt shall obligate the Company to return the Mortgage File to the Trustee when the need therefor by the Company no longer exists unless the Mortgage Loan shall be liquidated, in which case, upon receipt of a certificate of a Servicing Officer similar to that hereinabove specified, the receipt shall be released by the Trustee to the Company. Section 3.10. Servicing Compensation; Payment of Certain Expenses by the Company. (a) As compensation for its activities and obligations hereunder, the Company shall be entitled to withhold and pay to itself out of each payment received by it on account of interest on each Mortgage Loan (including the portion of any Buydown Funds applied to the related Buydown Mortgage Loan for the applicable period) an amount equal to the Servicing Fee. The aggregate of the Servicing Fees payable to the Company on any Distribution Date shall be reduced as provided in Section 4.08. Additional servicing compensation in the form of Prepayment Interest Excess, Net Simple Interest Excess, Prepayment Premiums, assumption fees, modification fees, late payment charges, interest income or gain with respect to amounts deposited in the Certificate Account and invested by the Company or otherwise shall be retained by the Company, subject to Section 3.10(b), if applicable. The Company shall be required to pay all expenses incurred by it in connection with its activities hereunder (including payment of Trustee fees and all other fees and expenses not expressly stated hereunder to be for the account of the Certificateholders) and shall not be entitled to reimbursement therefor except as provided in Sections 3.01, 3.04 and 3.08. (b) The Company may, as a condition to granting any request by a Mortgagor for any consent, modification, waiver or amendment or any other matter or thing, the granting of which is in the Company's discretion pursuant to the terms of the instruments evidencing or securing the related Mortgage Loan and is permitted by other sections of this Agreement, require (to the extent permitted by applicable law) that such Mortgagor pay to it a reasonable or customary fee in accordance with the schedule set forth as Exhibit H (which may be amended from time to time by provision of a revised schedule of such fees to the Trustee, whereupon such revised schedule shall be deemed to be Exhibit H hereunder) for the additional services performed in connection with such request, together with any related costs and expenses incurred by it. Such fees shall be additional servicing compensation to the Company. 68 Section 3.11. Reports to the Trustee; Certificate Account Statements. Not later than 15 days after each Distribution Date, the Company shall forward to the Trustee a statement, certified by a Servicing Officer, setting forth the status of the Mortgage Loan Payment Record as of the close of business on such Distribution Date and showing, for the period covered by such statement, the aggregate of credits to the Mortgage Loan Payment Record for each category of credit specified in Section 3.02 and each category of debit specified in Section 3.04. Section 3.12. Annual Statement as to Compliance. The Company will deliver to the Trustee, on or before March 31 of each year, beginning with March 31, 1999, an Officer's Certificate stating that (a) a review of the activities of the Company during the preceding calendar year and of its performance under this Agreement has been made under such Officer's supervision and (b) to the best of such Officer's knowledge, based on such review, (i) the Company has fulfilled all its material obligations under this Agreement throughout such year, and (ii) no Trigger Event has occurred or, if there has been a default in the fulfillment of any such obligation or Trigger Event, specifying each such default or Trigger Event known to such Officer and the nature and status thereof. Section 3.13. Annual Independent Public Accountants' Servicing Report. On or before March 31 of each year, beginning with March 31, 1999, the Company shall: (a) furnish to a firm of independent public accountants (which may also render other services to the Company) a statement substantially to the effect that the Company has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers (the "Minimum Servicing Standards") with respect to the mortgage loans in the Company's home equity loan servicing portfolio or, if there has been material noncompliance with such servicing standards, containing a description of such noncompliance; and (b) at its expense cause such firm of independent public accountants to furnish a report to the Trustee stating its opinion as to the Company's assertion contained in the statement delivered pursuant to Section 3.13(a), which opinion shall be based on an examination conducted by such firm in accordance with the standards established by the American Institute of Certified Public Accountants, including examining, on a test basis, evidence about the Company's compliance with the Minimum Servicing Standards. 69 Such opinion shall be to the effect that the Company has complied in all material respects with the Minimum Servicing Standards with respect to the mortgage loan portfolio described in the Company's statement delivered pursuant to Section 3.13(a) hereof or if there has been material noncompliance with the Minimum Servicing Standards, shall contain a description of such noncompliance in accordance with applicable accounting standards. In rendering such report, such firm may rely, as to matters relating to direct servicing of Mortgage Loans by any primary servicer, upon comparable reports of independent public accountants with respect to such primary servicer. Section 3.14. Access to Certain Documentation and Information Regarding the Mortgage Loans. To the extent permitted by applicable law, the Company shall provide to the Trustee, Certificateholders which are regulated insurance entities and the applicable insurance regulatory agencies thereof, Certificateholders which are federally insured savings and loan associations, the Office of Thrift Supervision, 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 or of such insurance regulatory agencies, as the case may be, such access being afforded without charge but only upon reasonable request and during normal business hours at the offices of the Company. Nothing in this Section 3.14 shall derogate from the obligation of the Company to observe any applicable law prohibiting disclosure of information regarding the Mortgagors and the failure of the Company to provide access as provided in this Section 3.14 as a result of such obligation shall not constitute a breach of this Section 3.14. Section 3.15. Maintenance of Certain Servicing Policies. The Company shall during the term of its service as servicer maintain in force (i) a policy or policies of insurance covering errors and omissions in the performance of its obligations as servicer hereunder and (ii) a fidelity bond in respect of its officers, employees or agents. Each such policy or policies and bond shall, together, comply with the requirements from time to time of FNMA for persons performing servicing for mortgage loans purchased by such association. Section 3.16. Optional Purchase of Defaulted Mortgage Loans. The Company shall have the right, but not the obligation, to purchase any Defaulted Mortgage Loan for a price equal to the Purchase Price therefor. Any such purchase shall be accomplished as provided in Section 4.04(a) hereof. 70 ARTICLE IV PAYMENTS AND STATEMENTS Section 4.01. Distributions. (a) On each Distribution Date, the Trustee shall withdraw the Available Interest Funds from the Certificate Account and shall make distributions to Holders of the Certificates as of the preceding Record Date in the following order of priority, to the extent of the remaining Available Interest Funds: (i) to the Class S Certificates and each Class of Senior Certificates other than the Class R1 and Class R2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date (less the applicable Simple Interest Shortfall Percentage of any Unpaid Net Simple Interest Shortfall for such Distribution Date), any shortfall in available amounts being allocated among such Classes in proportion to the amount of Accrued Certificate Interest otherwise distributable thereon; (ii) to the Class S Certificates and each Class of Senior Certificates other than the Class R1 and Class R2 Certificates, any related Unpaid Class Interest Shortfall for such Distribution Date, any shortfall in available amounts being allocated among such Classes in proportion to the Unpaid Class Interest Shortfall for each such Class on such Distribution Date; (iii) to the Class M Certificates, the Accrued Certificate Interest thereon for such Distribution Date (less the applicable Simple Interest Shortfall Percentage of any Unpaid Net Simple Interest Shortfall for such Distribution Date); (iv) to the Class M Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date; (v) to the Class B1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date (less the applicable Simple Interest Shortfall Percentage of any Unpaid Net Simple Interest Shortfall for such Distribution Date); (vi) to the Class B1 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date; (vii) to the Class B2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date (less the applicable Simple Interest Shortfall Percentage of 71 any Unpaid Net Simple Interest Shortfall for such Distribution Date); (viii) to the Class B2 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date; (ix) to the Class B3 Certificates, the Accrued Certificate Interest thereon for such Distribution Date (less the applicable Simple Interest Shortfall Percentage of any Unpaid Net Simple Interest Shortfall for such Distribution Date); (x) to the Class B3 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date; (xi) to the Class B4 Certificates, the Accrued Certificate Interest thereon for such Distribution Date (less the applicable Simple Interest Shortfall Percentage of any Unpaid Net Simple Interest Shortfall for such Distribution Date); (xii) to the Class B4 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date; (xiii) to the Class B5 Certificates, the Accrued Certificate Interest thereon for such Distribution Date (less the applicable Simple Interest Shortfall Percentage of any Unpaid Net Simple Interest Shortfall for such Distribution Date); and (xiv) to the Class B5 Certificates, any Unpaid Class Interest Shortfall therefor on such Distribution Date. (b) On each Distribution Date, the Trustee shall withdraw the Available Principal Funds from the Certificate Account and shall make distributions to Holders of the Certificates as of the preceding Record Date as follows: (i) the Senior Principal Distribution Amount for such Distribution Date shall be distributed to the Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class R1 and Class R2 Certificates, in reduction of the Class Certificate Principal Balances thereof, concurrently, as follows: (a) to the Class A7 Certificates, the Class A7 Principal Distribution Amount, if any, for such Distribution Date, until the Class Certificate Principal Balance thereof has been reduced to zero; and 72 (b) to the Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class R1 and Class R2 Certificates, an amount equal to the Senior Principal Distribution Amount for such Distribution Date less the Class A7 Principal Distribution Amount, if any, for such date, in the following order of priority: (1) pro rata, to the Class R1 and Class R2 Certificates, until the Class Certificate Principal Balances thereof have been reduced to zero; (2) to the Class A1 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; (3) to the Class A2 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; (4) to the Class A3 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; (5) to the Class A4 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; (6) to the Class A5 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; and (7) to the Class A6 Certificates, until the Class Certificate Principal Balance thereof has been reduced to zero; (ii) to each Class of Junior Certificates, in reduction of the Class Certificate Principal Balance thereof, each such Class's Allocable Share of the Junior Principal Distribution Amount on such Distribution Date. (c) On each Distribution Date, the Trustee shall distribute to the holder of the Class R2 Certificate any remaining amounts in the Upper Tier REMIC for such Distribution Date after application of all amounts described in clauses (a) and (b) of this Section 4.01, together with any Unanticipated Recoveries received by the Company in the calendar month preceding the month of such Distribution Date and not distributed on such Distribution Date to outstanding Certificates of any other Class pursuant to Section 4.01(f). Any distributions 73 pursuant to this clause (c) shall not reduce the Class Certificate Principal Balance of the Class R2 Certificate. (d) If on any Distribution Date the Class Certificate Principal Balances of the Junior Certificates have each been reduced to zero, the amount distributable to the Senior Certificates pursuant to Section 4.01(b)(i) for such Distribution Date and each succeeding Distribution Date shall be allocated among the Classes of Senior Certificates, pro rata, on the basis of their respective Class Certificate Principal Balances immediately prior to such Distribution Date, regardless of the priorities set forth in Section 4.01(b)(i). (e) If on any Distribution Date (i) the Class Certificate Principal Balance of the Class M Certificates or any Class of Class B Certificates for which the related Prepayment Distribution Trigger was satisfied on such Distribution Date is reduced to zero and (ii) amounts distributable pursuant to clauses (ii), (iv) and (v) of the Junior Principal Distribution Amount remain undistributed on such Distribution Date after all amounts otherwise distributable on such date pursuant to clause (ii) of Section 4.01(b) have been distributed, such amounts shall be distributed on such Distribution Date to the remaining Classes of Junior Certificates in order of priority, such that no such distribution shall be made to any Class of Junior Certificates while a prior such Class is outstanding. (f) In the event that in any calendar month the Company recovers an amount (an "Unanticipated Recovery") in respect of principal of a Mortgage Loan which had previously been allocated as a Realized Loss to any Class of Certificates pursuant to Section 4.03, on the Distribution Date in the next succeeding calendar month the Trustee shall withdraw from the Certificate Account and distribute to the holders of each outstanding Class to which such Realized Loss had previously been allocated its share (determined as described in the succeeding paragraph) of such Unanticipated Recovery in an amount not to exceed the amount of such Realized Loss previously allocated to such Class. When the Class Certificate Principal Balance of a Class of Certificates has been reduced to zero, the holders of such Class shall not entitled to any share of an Unanticipated Recovery, and such Unanticipated Recovery shall be allocated among all outstanding Classes of Certificates entitled thereto in accordance with the preceding sentence, subject to the remainder of this subsection (f). In the event that (i) any Unanticipated Recovery remains undistributed in accordance with the preceding sentence or (ii) the amount of an Unanticipated Recovery exceeds the amount of the Realized Loss previously allocated to any outstanding Classes with respect to the related Mortgage Loan, on the applicable Distribution Date the Trustee shall distribute to 74 the holders of all outstanding Classes of the related Certificates to which Realized Losses had previously been allocated and not reimbursed their pro rata share (determined as described below) of such excess in an amount not to exceed the aggregate amount of any Realized Loss previously allocated to such Class with respect to any other Mortgage Loan that has not been recovered in accordance with this Section 4.01(f). Any distributions made pursuant to this Section 4.01(f) shall not reduce the Class Certificate Principal Balance of the related Certificate. For purposes of the preceding paragraph, the share of an Unanticipated Recovery allocable to any Class of Certificates with respect to a Mortgage Loan shall be based on such Class's pro rata share (in proportion to the Class Certificate Principal Balances thereof with respect to such Distribution Date) of the principal portion of the Realized Loss previously allocated with respect to such Mortgage Loan. Section 4.02. Method of Distribution. (a) All distributions with respect to each Class of Certificates on each Distribution Date shall be made pro rata among the outstanding Certificates of such Class, based on the Percentage Interest in such Class represented by each Certificate. Payments to the Certificateholders on each Distribution Date will be made by the Trustee to the Certificateholders of record on the related Record Date (other than as provided in Section 9.01 respecting the final distribution) by check or money order mailed to a Certificateholder at the address appearing in the Certificate Register, or upon written request by such Certificateholder to the Trustee made not later than the applicable Record Date, by wire transfer to a U.S. depository institution acceptable to the Trustee, or by such other means of payment as such Certificateholder and the Trustee shall agree. (b) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, which shall credit the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm" or "indirect participating firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. All such credits and disbursements with respect to a Book-Entry Certificate are to be made by the Depository and the Depository Participants in accordance with the provisions of the applicable Certificates. Neither the Trustee nor the Company shall have any responsibility therefor except as otherwise provided by applicable law. 75 (c) The Trustee shall withhold or cause to be withheld such amounts as it reasonably determines are required by the Code (giving full effect to any exemptions from withholding and related certifications required to be furnished by Certificateholders or Certificate Owners and any reductions to withholding by virtue of any bilateral tax treaties and any applicable certification required to be furnished by Certificateholders or Certificate Owners with respect thereto) from distributions to be made to Non-U.S. Persons. If the Trustee reasonably determines that a more accurate determination of the amount required to be withheld for a distribution can be made within a reasonable period after the scheduled date for such distribution, it may hold such distribution in trust for a holder of a Residual Certificate until such determination can be made. For the purposes of this paragraph, a "Non-U.S. Person" is (i) an individual other than a citizen or resident of the United States, (ii) a partnership, corporation or entity treated as a partnership or corporation for U.S. federal income tax purposes not formed under the laws of the United States, any state thereof or the District of Columbia (unless, in the case of a partnership, Treasury regulations provide otherwise), (iii) any estate, the income of which is not subject to U.S. federal income taxation, regardless of source, and (iv) any trust, other than a trust that a court within the United States is able to exercise primary supervision over the administration of the trust and one or more U.S. Persons have the authority to control all substantial decisions of the trust. Section 4.03. Allocation of Losses. (a) On or prior to each Determination Date, the Company shall determine the amount of any Realized Loss in respect of each Mortgage Loan that occurred during the immediately preceding calendar month. (b) With respect to any Distribution Date, the principal portion of each Realized Loss (other than any Excess Loss) shall be allocated as follows: first, to the Class B5 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; second, to the Class B4 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; third, to the Class B3 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; 76 fourth, to the Class B2 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class B1 Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M Certificates until the Class Certificate Principal Balance thereof has been reduced to zero; and seventh, to the Classes of Senior Certificates, pro rata, in accordance with their Class Certificate Principal Balances. (c) With respect to any Distribution Date, the principal portion of any Excess Loss shall be allocated to each Class of Certificates, pro rata, based on the respective Class Certificate Principal Balances thereof. (d) Any Realized Losses allocated to a Class of Certificates pursuant to Section 4.03(b) or (c) shall be allocated among the Certificates of such Class in proportion to their respective Certificate Principal Balances. Any allocation of Realized Losses pursuant to this paragraph (d) shall be accomplished by reducing the Certificate Principal Balance of the related Certificates on the related Distribution Date in accordance with Section 4.03(e). (e) Realized Losses allocated in accordance with this Section 4.03 shall be allocated on the Distribution Date in the month following the month in which such loss was incurred and, in the case of the principal portion thereof, after giving effect to distributions made on such Distribution Date. (f) On each Distribution Date, the Company shall determine the Subordinate Certificate Writedown Amount, if any. Any such Subordinate Certificate Writedown Amount shall effect a corresponding reduction in the Certificate Principal Balance of the Subordinate Certificates, which reduction shall occur on such Distribution Date after giving effect to distributions made on such Distribution Date. (g) Notwithstanding the foregoing, no such allocation of any Realized Loss shall be made on a Distribution Date to a Class of Certificates to the extent that such allocation would result in the reduction of the aggregate Certificate Principal Balances of all the Certificates as of such Distribution Date, after giving effect to all distributions and prior allocations of 77 Realized Losses on such date, to an amount less than the aggregate Principal Balance of the Mortgage Loans as of the first day of the month of such Distribution Date (such limitation, the "Loss Allocation Limitation"). (h) Any allocation of a Realized Loss to a Class of Certificates, or of any Subordinate Certificate Writedown Amount to a Class of Subordinate Certificates, pursuant to this Section 4.03 shall effect a corresponding allocation thereof to the corresponding Class of Lower Tier Interests and, in the case of the principal portion of any such Realized Loss and any such Subordinate Certificate Writedown Amount, a corresponding reduction in the related Lower Tier Balance thereof. Section 4.04. Monthly Advances; Purchases of Defaulted Mortgage Loans. (a) The Company shall be required to make Monthly Advances in the manner and to the extent provided herein. Prior to the close of business on each Determination Date, the Company shall determine (i) the amount of the Monthly Advance which it is required to make on the related Distribution Date and (ii) whether it has elected to purchase any Defaulted Mortgage Loan or Loans on such Distribution Date pursuant to Section 3.16. If the Company so elects to purchase any Defaulted Mortgage Loans (or is required to purchase any Mortgage Loan pursuant to Sections 2.02 or 2.03(a)), no Monthly Advance shall be required with respect thereto for the month in which such purchase occurs. The Company shall include information as to each of such determinations in the Servicer's Certificate furnished by it to the Trustee in accordance with Section 4.06 and shall be obligated to deposit in the Certificate Account pursuant to Section 3.02(d) on or before 11:00 a.m. New York time on the Business Day next preceding the following Distribution Date the respective amounts applicable to such determinations appearing in such Servicer's Certificate. Upon receipt by the Trustee of written notification signed by a Servicing Officer of any such deposit relating to the purchase by the Company of such a Mortgage Loan, the Trustee shall release to the Company the related Mortgage File and shall execute and deliver such instruments of transfer or assignment, in each case without recourse, as shall be necessary to vest in the Company any Mortgage Loan released pursuant hereto. (b) In the event that the Company deposits or expects to deposit less than the Available Funds required to be deposited by it pursuant to Section 3.02(d), the Company shall so notify the Trustee no later than 9:00 a.m. on the Business Day preceding the related Distribution Date, and the amount so deposited, if any, shall be deemed to have been deposited first pursuant to clause (i) of the definition of Available Funds, second pursuant to clause (iii) of the definition of Available Funds, and third pursuant to clause (ii) of the definition of Available Funds. 78 Such notice shall specify each Mortgage Loan delinquent as of the preceding Determination Date. In such event, and if the Company has failed to make any required Monthly Advance such that an Event of Default as described in Section 7.01(v) has occurred, the Trustee shall terminate all of the rights and obligations of the Company as servicer hereunder and, in its capacity as successor servicer pursuant to Section 7.02, the Trustee shall make any Monthly Advance required to be made hereunder, in the manner and to the extent required; provided, the Trustee shall not be so obligated if prohibited by applicable law. (c) In the event that the Company is succeeded hereunder as servicer, the obligation to make Monthly Advances in the manner and to the extent required by Section 4.04(a) shall be assumed by the successor servicer (subject to Section 7.02). Section 4.05. Statements to Certificateholders. Each month, at least two Business Days prior to each Distribution Date, the Company shall deliver to the Trustee for mailing to each Certificateholder, and the Trustee shall mail to each Certificateholder on such Distribution Date, a statement (each, a "Distribution Date Statement") substantially in the form of Exhibit J hereto, setting forth: (i) The amount of such distribution to the Certificateholders of each Class allocable to principal, separately identifying the aggregate amount of any Principal Prepayments included therein (including, for this purpose, the Principal Balances of all Defaulted Mortgage Loans and Defective Mortgage Loans purchased pursuant to Section 2.02, 2.03(b) and 3.16, respectively, and any amounts deposited pursuant to Section 2.03(b) in connection with the substitution of any Mortgage Loans pursuant to Section 2.02 or 2.03(a), the proceeds of which purchases or substitutions are being distributed on such Distribution Date); (ii) The amount of such distribution to the Certificateholders of each Class (other than any Class of Principal Only Certificates) allocable to interest; (iii) The amount of servicing compensation paid to the Company during the month preceding the month of distribution in respect of the Mortgage Loans and such other customary information as the Company deems necessary or desirable to enable Certificateholders to prepare their tax returns; (iv) The Pool Principal Balance and the aggregate number of the Mortgage Loans as of the end of the related Collection Period after giving effect to all distributions allocable to principal made on such Distribution Date; 79 (v) The Class Certificate Principal Balance of each Class and the Certificate Principal Balance of a Single Certificate of each Class after giving effect to (i) all distributions allocable to principal made on such Distribution Date and (ii) the allocation of any Realized Losses for such Distribution Date; (vi) The Pay-out Rate applicable to each Class of Certificates; (vii) The book value and unpaid principal balance of any real estate acquired on behalf of Certificateholders through foreclosure, or grant of a deed in lieu of foreclosure or otherwise, of any REO Mortgage Loan, and the number of the related Mortgage Loans; (viii) The aggregate Principal Balances and number of Mortgage Loans which, as of the close of business on the last day of the month preceding the related Distribution Date, were (a) one payment delinquent, (y) two payments delinquent and (z) three or more payments delinquent, and (b) in foreclosure; (ix) The Principal Balance of any Mortgage Loan replaced pursuant to Section 2.03(b); (x) The Certificate Interest Rate of the Class S, Class M and Class B Certificates applicable to the Interest Accrual Period relating to such Distribution Date; (xi) The Senior Percentage and Junior Percentage for such Distribution Date; (xii) The Available Interest Funds and Available Principal Funds for such Distribution Date; (xiii) The Senior Prepayment Percentage and Junior Prepayment Percentage for such Distribution Date; and (xiv) The amount of such distribution to the Certificateholders of each Class allocable to Unanticipated Recoveries. In the case of information furnished pursuant to clauses (i) through (iii) above, the amounts shall be expressed as a dollar amount per Single Certificate. In connection with any proposed transfer of a Certificate that is purported to be made in reliance on Rule 144A under the Securities Act, the Company shall be responsible for 80 furnishing such information as may be required thereunder to a proposed transferee. In furtherance of the Company's obligations hereunder, the Company hereby instructs the Trustee, at the Company's expense and on its behalf, and the Trustee agrees, to promptly make available to the proposed transferee, upon request of the holder, (i) all statements furnished to Certificateholders pursuant to this Section 4.05(a) on previous Distribution Dates, (ii) all certificates furnished to the Trustee pursuant to Section 4.06 in prior months, (iii) Officer's Certificates furnished to the Trustee pursuant to Section 3.12 for the two years preceding such request, (iv) reports of independent accountants furnished to the Trustee pursuant to Section 3.13 for the two years preceding such request, (v) a copy of the Private Placement Memorandum relating to such Certificate, together with any amendments or supplements thereto issued by the Company (which copy shall be furnished to the Trustee by the Company), and (vi) the Company's Current Report on Form 8-K, dated the Closing Date, relating to the Mortgage Loans; provided, however, that the Trustee shall in no event be required to make available such statements or certificates pursuant to clauses (i) and (ii) above relating to Distribution Dates occurring more than twenty-four months preceding the month in which such request was received; provided, further, however, that notwithstanding the Trustee's agreement as aforesaid to provide such materials to a proposed transferee, the Trustee does not assume, and shall not thereby be deemed to have assumed, any responsibility for compliance by the Company with Rule 144A (subject to the Trustee's agreement set forth in the second sentence of this paragraph) and shall be entitled to include a notice with such statements or certificates to the effect that such materials have not been prepared or assembled by the Trustee and that the Trustee assumes no responsibility for the adequacy, sufficiency or contents thereof. In connection with any such proposed transfer, the Company shall make available to the proposed holder, at the request of the related transferor, such additional information, if any, as may be required to be delivered pursuant to Rule 144A(d)(4). Section 4.06. Servicer's Certificate. Each month, not later than the second Business Day next preceding each Distribution Date, the Company shall deliver to the Trustee a completed Servicer's Certificate. Section 4.07. Reports of Foreclosures and Abandonments of Mortgaged Property. The Trustee (or the Company on behalf of the Trustee) shall, in each year beginning after 1997, make the reports of foreclosures and abandonments of any Mortgaged Property as required by section 6050J of the Code. In order to facilitate this reporting process, the Company, on or before January 31st of each year, shall provide to the Trustee reports 81 relating to each instance occurring during the previous calendar year in which the Company (i) on behalf of the Trustee acquires an interest in a Mortgaged Property through foreclosure or other comparable conversion in full or partial satisfaction of a Mortgage Loan, or (ii) knows or has reason to know that a Mortgaged Property has been abandoned. Reports from the Company shall be in form and substance sufficient to meet the reporting requirements imposed by section 6050J of the Code. Section 4.08. Reduction of Servicing Compensation; Simple Interest Shortfall Payments. (a) The aggregate amount of the Servicing Fees subject to retention by the Company as servicer in respect of any Distribution Date shall be reduced (but not below zero), first, by the amount of any Compensating Interest Payment for such Distribution Date, and second, by the amount of any Simple Interest Shortfall Payment for such Distribution Date. (b) Not later than 11:00 a.m. New York time on the Business Day prior to each Distribution Date, the Company shall deposit into the Certificate Account as part of the Available Funds to be deposited on such date pursuant to Section 3.02(d) the sum of (i) the Compensating Interest Payment, if any, with respect to such Distribution Date and (ii) the amount, if any, by which the Simple Interest Shortfall Payment for such date exceeds the amount paid by the Servicer pursuant to clause second of Section 4.08(a); provided, however, that the amount deposited pursuant to clause (ii) above shall not exceed the aggregate amount of any Net Simple Interest Excess paid to the Company on previous Distribution Dates and not previously deposited into the Certificate Account pursuant to this Section 4.08(b). ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) The Certificates shall be substantially in the forms set forth in Exhibit A hereto, as applicable, and shall, on original issue, be executed by the Trustee, not in its individual capacity but solely as Trustee, and countersigned and delivered by the Trustee to or upon the order of the Company as provided in Article II. (b) The Certificates shall be issued in an aggregate Initial Certificate Principal Balance of $186,134,461.31. Such aggregate original principal balance shall be divided among the Classes having the designations, Class Certificate Principal Balances, Certificate Interest Rates and minimum denominations as follows: 82 Initial Class Certificate Certificate Principal Interest Minimum Designation Balance Rate Denominations - ----------- ------- ---- ------------- Class A1 $56,900,000.00 6.825% $ 25,000 Class A2 20,000,000.00 6.565 25,000 Class A3 30,000,000.00 6.590 25,000 Class A4 10,000,000.00 6.765 25,000 Class A5 13,400,000.00 6.800 25,000 Class A6 23,411,000.00 7.170 25,000 Class A7 17,063,000.00 6.735 25,000 Class M 4,654,000.00 (1) 100,000 Class B1 4,189,000.00 (1) 100,000 Class B2 1,862,000.00 (1) 100,000 Class B3 1,867,000.00 (1) 250,000 Class B4 1,396,000.00 (1) 250,000 Class B5 1,396,461.31 (1) 250,000 Class S (2) (2) 12,000,000 Class R1 500.00 0.00 500 Class R2 500.00 0.00 500 - ------------------------- (1) The Certificate Interest Rate of each of the Class M and Class B Certificates is as set forth in the definition of "Certificate Interest Rate." (2) The Class S Certificates are issued with an initial Notional Principal Balance of $186,134,461.31 and shall bear interest at the Strip Rate. (c) The Certificates shall be issuable in registered form only. The Book-Entry Certificates will be evidenced by one or more certificates, beneficial ownership of which will be held in the minimum dollar denominations in Certificate Principal Balance or Notional Principal Balance, as applicable, specified in Section 5.01(b), and integral multiples of $1,000 in excess thereof. The Non-Book-Entry Certificates other than the Residual Certificates shall each be issued in the minimum dollar denominations in Certificate Principal Balance or Notional Principal Balance, as applicable, specified in Section 5.01(b), and integral multiples of $1,000 (or $1,000,000 in the case of a Class of Class S Certificates) in excess thereof (and, if necessary, in the amount of the remaining Class Certificate Principal Balance or Notional Principal Balance, as applicable, of each Class, in the case of one Certificate of such Class). Each Class of Residual Certificates shall be issued as a single certificate evidencing the entire Class Certificate Principal Balance of such Class and having a Percentage Interest of 100%. 83 If necessary, one Certificate of each Class of Book-Entry Certificates and Class S Certificates may evidence an additional amount equal to the remainder of the Class Certificate Principal Balance (or Notional Principal Balance) of such Class. (d) The Certificates shall be executed by manual or facsimile signature on behalf of the Trustee by an authorized officer under its seal, which may be in facsimile form and be imprinted or otherwise reproduced thereon. Certificates bearing the manual or facsimile signatures of individuals who were, at the time when such signatures were affixed, authorized to sign on behalf of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to be so authorized prior to the authentication and delivery of such Certificates or did not hold such offices at the date of such Certificate. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless such Certificate shall have been manually countersigned by the Trustee substantially in the forms set forth in Exhibit A hereto, and such countersignature upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly executed and delivered hereunder. All Certificates issued on the Closing Date shall be dated the Closing Date; all Certificates issued thereafter shall be dated the date of their countersignature. (e) The Strip Rate for each Interest Accrual Period shall be determined by the Company and included in the Servicer's Certificate for the related Distribution Date. Section 5.02. Registration of Transfer and Exchange of Certificates. (a) The Trustee shall cause to be kept at an office or agency in the city in which the Corporate Trust Office of the Trustee is located or in the City of New York, New York a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Trustee shall initially serve as Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. Subject to Sections 5.02(b) and 5.02(c), upon surrender for registration of transfer of any Certificate at the Corporate Trust Office, the Trustee shall execute, authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of the same Class in authorized denominations of a like Percentage Interest. 84 At the option of a Certificateholder, Certificates may be exchanged for other Certificates of authorized denominations of a like Class and 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, countersign and deliver the Certificates which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for registration of transfer or exchange shall 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. No service charge shall be made for any registration of transfer or exchange of Certificates, 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. All Certificates surrendered for registration of transfer and exchange shall be canceled and subsequently destroyed by the Trustee and a certificate of destruction shall be delivered by the Trustee to the Company. (b) No legal or beneficial interest in all or any portion of the Residual Certificates may be transferred directly or indirectly to (i) a Disqualified Organization or an agent of a Disqualified Organization (including a broker, nominee, or middleman), (ii) an entity that holds REMIC residual securities as nominee to facilitate the clearance and settlement of such securities through electronic book-entry changes in accounts of participating organizations (a "Book-Entry Nominee"), or (iii) an individual, corporation, partnership or other person unless such transferee (A) is not a Non-U.S. Person or (B) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Trustee with an effective Internal Revenue Service Form 4224 or (C) is a Non-U.S. Person that has delivered to both the transferor and the Trustee an opinion of a nationally recognized tax counsel to the effect that the transfer of a Residual Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes (any such person who is not covered by clause (A), (B) or (C) above being referred to herein as a "Non-permitted Foreign Holder"), and any such purported transfer shall be void and have no effect. The Trustee shall not execute, and shall not authenticate and deliver, a Residual Certificate in connection with any transfer thereof unless the transferor shall have provided to the Trustee 85 an affidavit, substantially in the form attached as Exhibit F hereto, signed by the transferee, to the effect that the transferee is not such a Disqualified Organization, an agent (including a broker, nominee, or middleman) for any entity as to which the transferee has not received a substantially similar affidavit, a Book-Entry Nominee or a Non-permitted Foreign Holder, which affidavit shall contain the consent of the transferee to any such amendments of this Agreement as may be required to further effectuate the foregoing restrictions on transfer of the Residual Certificates to Disqualified Organizations, Book-Entry Nominees or Non-permitted Foreign Holders, and an agreement by the Transferee that it will not transfer a Residual Certificate without providing to the Trustee an affidavit substantially in the form attached as Exhibit F hereto and a letter substantially in the form attached as Exhibit G hereto. Such affidavit shall also contain the statement of the transferee that (i) it does not have the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to the Residual Certificates and (ii) it understands that it may incur tax liabilities in excess of cash flows generated by a Residual Certificate and that it intends to pay taxes associated with holding a Residual Certificate as they become due. The affidavit described in the preceding paragraph, if not executed in connection with the initial issuance of the Residual Certificates, shall be accompanied by a written statement in the form attached as Exhibit G hereto, signed by the transferor, to the effect that as of the time of the transfer, the transferor has (i) no actual knowledge that the transferee is a Disqualified Organization, Book-Entry Nominee or Non-permitted Foreign Holder, (ii) no reason to believe that the transferee has the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to a Residual Certificate, and (iii) conducted a reasonable investigation and found that the transferee had historically paid its debts as they came due and found no significant evidence to indicate that the transferee will not continue to pay its debts as they become due. The Residual Certificates shall bear a legend referring to the foregoing restrictions contained in this paragraph and the preceding paragraph. Upon notice to the Company that any legal or beneficial interest in any portion of the Residual Certificates has been transferred, directly or indirectly, to a Disqualified Organization or agent thereof (including a broker, nominee, or middleman) in contravention of the foregoing restrictions, (i) such transferee shall be deemed to hold the Residual Certificate in constructive trust for the last transferor who was not a Disqualified Organization or agent thereof, and such transferor 86 shall be restored as the owner of such Residual Certificate as completely as if such transfer had never occurred, provided that the Company may, but is not required to, recover any distributions made to such transferee with respect to the Residual Certificate and return such recovery to the transferor, and (ii) the Company agrees to furnish to the Internal Revenue Service and to any transferor of the Residual Certificate or such agent (within 60 days of the request therefor by the transferor or agent) such information necessary to the application of section 860E(e) of the Code as may be required by the Code, including but not limited to the present value of the total anticipated excess inclusions with respect to the Residual Certificate (or portion thereof) for periods after such transfer. At the election of the Company, the cost to the Company of computing and furnishing such information may be charged to the transferor or such agent referred to above; however, the Company shall in no event be excused from furnishing such information. The restrictions on transfers of the Residual Certificates set forth in the preceding three paragraphs shall cease to apply to transfers (and the applicable portions of the legend to the Residual Certificates may be deleted) after delivery to the Trustee of an Opinion of Counsel to the effect that the elimination of such restrictions will not cause either of the Upper Tier REMIC or the Lower Tier REMIC established hereunder to fail to qualify as a REMIC at any time that the Certificates are outstanding. No transfer of a Restricted Certificate shall be made unless such transfer is made pursuant to an effective registration statement under the Securities Act of 1933, as amended (the "Act"), and any applicable state securities laws, in each case as evidenced by an Officer's Certificate, or is exempt from the registration requirements of the Act and any applicable state securities laws. In the event of such registration, any restrictive legends set forth in the form of the relevant Restricted Certificate in Exhibit A hereto with respect to the Act and state securities law restrictions shall be removed by the Trustee upon request of the Holder thereof and automatically upon exchange or registration of transfer thereof. As a condition to any transfer that is to be made in reliance upon an exemption from the Act and such laws of a Restricted Certificate to any person other than a QIB (as certified by the proposed transferee in the form of assignment attached to the related Certificate), either (x) the Trustee shall require the transferee to execute an investment letter in the form substantially as set forth in Exhibit I hereto or in such other form as may be acceptable to the Trustee, certifying as to the facts surrounding such transfer, or (y) in lieu of such investment letter, the Trustee may accept a written Opinion of Counsel (in form and substance 87 acceptable to the Trustee) that such proposed transfer may be made pursuant to an exemption from the Act. As an additional condition to any transfer of a Restricted Certificate, either (i) the transferor and the transferee shall complete the form of assignment attached to the Certificate proposed to be transferred, or (ii) the Trustee shall have received the above-referenced Opinion of Counsel. The holder of any Restricted Certificate desiring to effect the transfer thereof to a person other than a QIB shall, and hereby agrees to, comply with any applicable conditions set forth in the preceding two sentences and indemnify the Trustee and the Company against any liability that may result if the transfer thereof is not so exempt or is not made in accordance with such federal and state laws. Such agreement to so indemnify the Trustee and the Company shall survive the termination of this Agreement. Notwithstanding the foregoing, no Opinion of Counsel or investment letter shall be required upon the original issuance of (i) the Restricted Junior Certificates to the Initial Purchaser (as defined in the Private Placement Memorandum) or its nominee and (ii) the Class S Certificates to the Company or upon any subsequent transfer of a Class S Certificate by the Company, provided that if any Restricted Junior Certificates are, at the request of the Initial Purchaser, registered in the name of its nominee, the Initial Purchaser shall be deemed to acknowledge and agree with the Company and the Trustee that no transfer of a beneficial interest in such Certificates will be made without registering such Certificates in the name of the transferee, which shall be a Person other than such nominee. Any opinion or letter required pursuant to this paragraph shall not be at the expense of the Trust Fund or the Trustee. (c) (i) No transfer of an ERISA-Restricted Certificate in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (A) a certificate (substantially in the form of Exhibit E or such other form as is acceptable to the Company and the Trustee) from such transferee to the effect that such transferee (i) is not a Plan or a Person that is using the assets of a Plan to acquire such ERISA-Restricted Certificate or (ii) is an insurance company investing assets of its general account and the exemptions provided by Section III(a) of Department of Labor Prohibited Transaction Class Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemptions") apply to the transferee's acquisition and holding of any ERISA-Restricted Certificate or (B) an opinion of counsel satisfactory to the Trustee and the Company to the effect that the purchase and holding of such a Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" subject to the prohibited transactions provisions of ERISA or Section 4975 of the Code and will not subject the Trustee or the Company to any obligation in addition 88 to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of an ERISA-Restricted Certificate by a Plan or a Person that is purchasing or holding such a Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975 of the Code. The preparation and delivery of the certificate and opinions referred to above shall not be an expense of the Trust Fund, the Trustee or the Company. Notwithstanding the foregoing, no opinion or certificate shall be required for the initial issuance of the ERISA-Restricted Certificates. (ii) No transfer of a Residual Certificate shall be made to any Person unless the Trustee has received a certification (substantially in the form of paragraph 4 of Exhibit F) from such transferee to the effect that, among other things, such transferee is not a Plan or a Person that is using the assets of a Plan to acquire any such Certificate. The preparation and delivery of such certificate shall not be an expense of the Trust Fund, the Trustee or the Company. (d) Subject to Section 8.01(i) hereof, the Trustee may conclusively rely upon any certificate, affidavit or opinion delivered pursuant to Section 5.02(b) or (c). Any certificate or affidavit required to be delivered by a transferee under this Section 5.02 may be executed and delivered in the name of such transferee by its attorney-in-fact duly authorized in writing in form and substance satisfactory to the Trustee. (e) Except as to any additional Certificate of any Class of Book-Entry Certificates held in physical certificated form pursuant to Section 5.02(g) or any Restricted Junior Certificate of any Class of Book-Entry Certificates that is transferred to an entity other than a QIB, the Book-Entry Certificates shall, subject to Section 5.02(f), at all times remain registered in the name of the Depository or its nominee and at all times: (i) registration thereof may not be transferred by the Trustee except to another Depository; (ii) the Depository shall maintain book-entry records with respect to the Certificate Owners and with respect to ownership and transfers of such Certificates; (iii) ownership and transfers of registration of the Certificates issued in book-entry form on the books of the Depository shall be governed by applicable rules established by the Depository and the rights of Certificate Owners with respect to Book-Entry Certificates shall be governed by applicable law and agreements between such Certificate Owners and the Depository, Depository Participants, and indirect participating firms; (iv) the Depository may collect its usual and customary 89 fees, charges and expenses from its Depository Participants; (v) the Trustee shall deal with the Depository, Depository Participants and indirect participating firms as authorized representatives of the Certificate Owners of the Certificates issued in book-entry form for all purposes including the making of payments due on the Book-Entry Certificates and exercising the rights of Holders under this Agreement, and requests and directions for and votes of such representatives shall not be deemed to be inconsistent if they are made with respect to different Certificate Owners; (vi) the Trustee may rely and shall be fully protected in relying upon information furnished by the Depository with respect to its Depository Participants and furnished by the Depository Participants with respect to indirect participating firms and persons shown on the books of such indirect participating firms as direct or indirect Certificate Owners; (vii) Certificate Owners shall not be entitled to certificates for the Book-Entry Certificates and (viii) the Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and give notice to the Depository of such record date. All transfers by Certificate Owners of Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owner. Each Depository Participant shall only transfer Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository's normal procedures. Except as provided herein, the Trustee shall have no duty to monitor or restrict the transfer of Certificates or interests therein, and shall have no liability for any transfer, including any transfer made through the book-entry facilities of the Depository or between or among Depository Participants or Certificate Owners, made in violation of applicable restrictions set forth herein, except in the event of the failure of the Trustee to perform its duties and fulfill its obligations under this Agreement. (f) If (x)(i) the Company or the Depository advises the Trustee in writing that the Depository is no longer willing, qualified or able to properly discharge its responsibilities as Depository, and (ii) the Trustee or the Company is unable to locate a qualified successor, (y) the Company at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository or (z) after the occurrence of an Event of Default, Certificate Owners representing not less than 51% of the aggregate Voting Rights allocated to the Book-Entry Certificates together advise the Trustee and the Depository through the Depository Participants in writing that the continuation of a book-entry system through the Depository is no longer in the best interests of the Certificate 90 Owners, 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 such Certificates by the Depository, accompanied by registration instructions from the Depository for registration, the Trustee shall issue the Definitive Certificates. Neither the Company nor the Trustee shall be liable for 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 Depository shall be deemed to be imposed upon and performed by the Trustee, to the extent applicable with respect to such Definitive Certificates and the Trustee shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (g) On or prior to the Closing Date, there shall be delivered to the Depository (or to The First National Bank of Chicago, acting as custodian for the Depository pursuant to the Depository's procedures) one certificate for each Class of Book-Entry Certificates registered in the name of the Depository's nominee, Cede & Co. The face amount of each such Certificate shall represent 100% of the initial Class Certificate Principal Balance thereof, except for such amount that does not constitute an acceptable denomination to the Depository. An additional Certificate of each Class of Book-Entry Certificates may be issued evidencing such remainder and, if so issued, will be held in physical certificated form by the Holders thereof. Each Certificate issued in book-entry form shall bear the following legend: "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 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." Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. If (a) any mutilated Certificate is surrendered to the Certificate Registrar, or the Certificate Registrar receives evidence to its satisfaction of the destruction, loss or theft of any Certificate and (b) there is delivered to the Company, the Certificate Registrar and the Trustee such security or indemnity 91 as may be required by them to save each of them harmless, then, in the absence of notice to the Certificate Registrar or the Trustee that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute, countersign and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor, Class and Percentage Interest. In connection with the issuance of any new Certificate under this Section 5.03, 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 5.03 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 Trustee, the Certificate Registrar and any agent of the Company, the Trustee or the Certificate Registrar may treat the person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.01 and for all other purposes whatsoever, and neither the Company, the Trustee, the Certificate Registrar nor any agent of the Company, the Trustee or the Certificate Registrar shall be affected by any notice to the contrary. Section 5.05. Access to List of Certificateholders' Names and Addresses. The Certificate Registrar will furnish or cause to be furnished to the Company, within 15 days after receipt by the Certificate Registrar of request therefor from the Company in writing, a list, in such form as the Company may reasonably require, of the names and addresses of the Certificateholders as of the most recent Record Date for payment of distributions to Certificateholders. If three or more Certificateholders (hereinafter referred to as "applicants") apply in writing to the Trustee, and such application states that the applicants desire to communicate with other Certificateholders with respect to their rights under this Agreement or under the Certificates and is accompanied by a copy of the communication which such applicants propose to transmit, then the Trustee shall, within five Business Days after the receipt of such application, afford such applicants access during normal business hours to the most recent list of Certificateholders held by the Trustee. If such list is as of a date more than 90 days prior to the date of receipt of such applicants' request, the Trustee shall promptly request from the Certificate Registrar a current list as provided above, and shall 92 afford such applicants access to such list promptly upon receipt. Every Certificateholder, by receiving and holding a Certificate, agrees with the Certificate Registrar and the Trustee that neither the Certificate Registrar nor the Trustee shall be held accountable by reason of the disclosure of any such information as to the names and addresses of the Certificateholders hereunder, regardless of the source from which such information was derived. Section 5.06. Representation of Certain Certificateholders. The fiduciary of any Plan which becomes a Holder of a Certificate, by virtue of its acceptance of such Certificate, will be deemed to have represented and warranted to the Trustee and the Company that such Plan is an "accredited investor" as defined in Rule 501(a)(1) of Regulation D promulgated by the Securities and Exchange Commission under the Securities Act of 1933. ARTICLE VI THE COMPANY Section 6.01. Liability of the Company. The Company shall be liable in accordance herewith only to the extent of the obligations specifically imposed upon and undertaken by the Company herein. Section 6.02. Merger or Consolidation of, or Assumption of the Obligations of, the Company. Any corporation into which the Company may be merged or consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Company shall be a party, or any corporation succeeding to the business of the Company, or any corporation, more than 50% of the voting stock of which is, directly or indirectly, owned by General Electric Company, or any limited partnership, the sole general partner of which is either the Company or a corporation, more than 50% of the voting stock of which is owned, directly or indirectly, by General Electric Company, which executes an agreement of assumption to perform every obligation of the Company hereunder, shall be the successor of the Company hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. Section 6.03. Assignment. The Company may assign its rights and delegate its duties and obligations as servicer under this Agreement; provided, that (i) the purchaser or transferee accepting such assignment or delegation is qualified to service mortgage loans for FNMA or FHLMC, is reasonably satisfactory to 93 the Trustee and executes and delivers to the Trustee an agreement, in form and substance reasonably satisfactory to the Trustee, which contains an assumption by such purchaser or transferee of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Company as servicer hereunder from and after the date of such agreement and (ii) each Rating Agency's rating of any Classes of Certificates in effect immediately prior to such assignment or delegation would not be qualified, downgraded or withdrawn as a result thereof. In the case of any such assignment or delegation, the Company will be released from its obligations as servicer hereunder except for liabilities and obligations as servicer incurred prior to such assignment or delegation. Section 6.04. Limitation on Liability of the Company and Others. Neither the Company nor any of the directors or officers or employees or agents of the Company 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 by the Company pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Company or any such person against any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties of the Company or by reason of reckless disregard of obligations and duties of the Company hereunder. The Company and any director or officer or employee or agent of the Company 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 and any director or officer or employee or agent of the Company 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. The Company shall be under no obligation to appear in, prosecute or defend any legal action which is not incidental to its duties to service the Mortgage Loans in accordance with this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Company may in its sole discretion undertake any such action which it may deem necessary or desirable in respect of this Agreement, and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action and any 94 liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund and the Company shall be entitled to be reimbursed therefor from amounts credited to the Mortgage Loan Payment Record as provided by Section 3.04. Section 6.05. The Company Not to Resign. Subject to the provisions of Sections 6.02 and 6.03, the Company shall not resign from the obligations and duties hereby imposed on it except upon determination that the performance of its duties hereunder is no longer permissible under applicable law. Any such determination permitting the resignation of the Company shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation shall become effective until the Trustee or a successor servicer shall have assumed the responsibilities and obligations of the Company in accordance with Section 7.02. ARTICLE VII DEFAULT Section 7.01. Events of Default. If any one of the following events ("Events of Default") shall occur and be continuing: (i) Any failure by the Company to make any payment to the Trustee of funds pursuant to Section 3.02(d) out of which distributions to Certificateholders of any Class are required to be made under the terms of the Certificates and this Agreement which failure continues unremedied for a period of three Business Days after the date upon which written notice of such failure shall have been given to the Company by the Trustee or to the Company and the Trustee by Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%; or (ii) Failure on the part of the Company duly to observe or perform in any material respect any other covenants or agreements of the Company set forth in the Certificates or in this Agreement, which covenants and agreements (A) materially affect the rights of Certificateholders and (B) continue unremedied for a period of 60 days after the date on which written notice of such failure (stating that such notice is a "notice of default" hereunder), requiring the same to be remedied, shall have been given to the Company by the Trustee, or to the Company and the Trustee by the Holders of Certificates of each Class affected thereby 95 evidencing, as to each such Class, Percentage Interests aggregating not less than 25%; or (iii) The entry of a decree or order by a court or agency or supervisory authority having jurisdiction in the premises for the appointment of a conservator, receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings of or relating to the Company, or for the winding up or liquidation of the Company's affairs, and the continuance of any such decree or order unstayed and in effect for a period of 60 consecutive days; or (iv) The consent by the Company 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 Company or of or relating to substantially all of its property; or the Company shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or (v) Any failure on the part of the Company to deposit into the Certificate Account any Monthly Advance required to be made pursuant to this Agreement by 12:00 noon New York time on the related Distribution Date; then, and in each and every such case, so long as an Event of Default shall not have been remedied by the Company, either the Trustee, or the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 51%, by notice then given in writing to the Company (and to the Trustee if given by the Certificateholders) may terminate all of the rights and obligations of the Company as servicer under this Agreement. On or after the receipt by the Company of such written notice, all authority and power of the Company under this Agreement, whether with respect to the Certificates or the Mortgage Loans or otherwise, shall pass to and be vested in the Trustee pursuant to and under this Section 7.01; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Company, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement of the Mortgage Loans and related documents, or otherwise, including, without limitation, the 96 recordation of the assignments of the Mortgage Loans to it. The Company agrees to cooperate with the Trustee in effecting the termination of the responsibilities and rights of the Company hereunder, including, without limitation, the transfer to the Trustee for the administration by it of all cash amounts that shall at the time be held by the Company and that have been or should have been credited by it to the Mortgage Loan Payment Record, or that have been deposited by the Company in the Certificate Account or are thereafter received by the Company with respect to the Mortgage Loans. In addition to any other amounts which are then, or, notwithstanding the termination of its activities as servicer, may become, payable to the Company under this Agreement, the Company shall be entitled to receive out of any delinquent payment on account of interest on a Mortgage Loan, due during the period prior to the notice pursuant to this Section 7.01 which terminates the obligation and rights of the Company hereunder and received after such notice, that portion of such payment which it would have been entitled to retain pursuant to Section 3.04(vi) if such notice had not been given. Section 7.02. Trustee to Act; Appointment of Successor. (a) On and after the time the Company receives a notice of termination pursuant to Section 7.01, the Trustee shall be the successor in all respects to the Company in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall succeed to all the rights of and be subject to all the responsibilities, duties and liabilities relating thereto placed on the Company in its capacity as servicer by the terms and provisions hereof; provided, however, that the responsibilities and duties of the Company pursuant to Sections 2.02 and 2.03(a), and, if the Trustee is prohibited by law or regulation from making Monthly Advances, the responsibility to make Monthly Advances pursuant to Section 4.04, shall not be the responsibilities, duties or obligations of the Trustee; and provided further, that any failure of the Trustee to perform such duties and responsibilities that is caused by the Company's failure to cooperate with the Trustee as required by Section 7.01 shall not be considered a default by the Trustee hereunder. As compensation therefor, the Trustee shall, except as provided in Section 7.01, be entitled to such compensation as the Company would have been entitled to hereunder if no such notice of termination had been given. Notwithstanding the above, the Trustee may, if it shall be unwilling so to act, or shall, if it is legally unable so to act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution approved to service mortgage loans for either FNMA or FHLMC, having a net worth of not less than $10,000,000, as the successor to the Company hereunder in the assumption of all or any part of the responsibilities, duties or 97 liabilities of the Company hereunder. Pending appointment of a successor to the Company pursuant to this Article VII, unless the Trustee is prohibited by law from so acting, the Trustee 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 Company hereunder. The Trustee and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Trustee may delegate any obligation in its capacity as successor to the Company as servicer to an agent or an affiliate. (b) Any successor, including the Trustee, to the Company as servicer pursuant to this Article VII shall during the term of its service as servicer maintain in force (i) a policy or policies of insurance covering errors and omissions in the performance of its obligations as servicer hereunder, and (ii) a fidelity bond in respect of its officers, employees and agents to the same extent as the Company is so required pursuant to Section 3.15. Section 7.03. Notification to Certificateholders. Upon any termination or appointment of a successor to the Company pursuant to this Article VII, the Trustee shall give prompt written notice thereof to Certificateholders at their respective addresses appearing in the Certificate Register. ARTICLE VIII THE TRUSTEE Section 8.01. Duties of Trustee. The Trustee, prior to the occurrence of an Event of Default and after the curing of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. If an Event of Default has occurred (which has not been cured), 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 person would exercise or use under the circumstances in the conduct of his or her own affairs. If the Trustee is acting as successor to the Company in its capacity as servicer, the Trustee shall use the same degree of care and skill in such capacity as the Company is required to use pursuant to this Agreement. The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or 98 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. 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 misconduct; provided, however, that: (i) Prior to the occurrence of an Event of Default, and after the curing of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the computations and opinions expressed therein, upon any certificates or opinions furnished to the Trustee and conforming to the requirements of this Agreement; (ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer of the Trustee, unless it shall be proved that the Trustee was negligent in performing its duties in accordance with the terms of this Agreement; (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 the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%, relating to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; and (iv) The Trustee shall not be charged with knowledge of (A) any failure by the Company to comply with the obligations of the Company referred to in clauses (i) and (ii) of Section 7.01, (B) the rating downgrade referred to in the definition of "Trigger Event" or (C) any failure by the Company to comply with the obligations of the Company to record the assignments of Mortgages referred to in Section 2.01 unless a Responsible Officer of the Trustee at the Corporate Trust Office obtains actual knowledge of such 99 failures, occurrence or downgrade or the Trustee receives written notice of such failures, occurrence or downgrade from the Company or the Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%. Subject to any obligation of the Trustee as successor servicer hereunder to make Monthly Advances as provided herein, the Trustee shall not be required to expend or risk its own funds or otherwise incur financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, if there is reasonable ground for believing that the repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it, and none of the provisions contained in this Agreement shall in any event require the Trustee to perform, or be responsible for the manner of performance of, any of the obligations of the Company under this Agreement, except during such time, if any, as the Trustee shall be the successor to, and be vested with the rights, duties, powers and privileges of, the Company in accordance with the terms of this Agreement. Nothing in this Agreement shall be construed to impose any obligation of the Company in its capacity as seller upon the Trustee. Section 8.02. Certain Matters Affecting the Trustee. Except as otherwise provided in Section 8.01: (i) The Trustee may conclusively rely and shall be protected in acting or refraining from acting upon any resolution, Officer's Certificate, Servicer's Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; (ii) The Trustee may consult with counsel and any written advice of such counsel or any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such advice or Opinion of Counsel; (iii) The Trustee shall be under no obligation to exercise any of the rights 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 100 indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligations, upon the occurrence of an Event of Default (which has not been cured), 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 person would exercise or use under the circumstances in the conduct of his or her 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 and after the curing of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or documents, unless requested in writing so to do by Holders of Certificates of each Class affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25%; 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 cost, expense or liability as a condition to such proceeding. The reasonable expense of every such investigation shall be paid by the Company or, if paid by the Trustee, shall be reimbursed by the Company upon demand. Nothing in this clause (v) shall derogate from the obligation of the Company to observe any applicable law prohibiting disclosure of information regarding the Mortgagors; and (vi) The Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys or a custodian. Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the signature and countersignature of the Trustee on the Certificates) shall be taken as the statements of the Company, and the Trustee assumes no responsibility for the correctness of the same. The Trustee makes no representations as 101 to the validity or sufficiency of this Agreement or of the Certificates (other than the signature and countersignature of the Trustee on the Certificates) or of any Mortgage Loan or related document. The Trustee shall not be accountable for the use or application by the Company 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 in respect of the Mortgage Loans or deposited in or withdrawn from the Certificate Account by the Company. Section 8.04. Trustee May Own Certificates. The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates and may transact business with the Company, GECC and their respective affiliates with the same rights as it would have if it were not Trustee. Section 8.05. The Company to Pay Trustee's Fees and Expenses. The Company covenants and agrees to pay to the Trustee from time to time, and the 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 it in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee, and the Company will pay or reimburse the Trustee upon its request for all reasonable expenses, disbursements and advances (including any Monthly Advances of the Trustee not previously reimbursed thereto pursuant to Section 3.04) incurred or made by the 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) except any such expense, disbursement or advance as may arise from its negligence or bad faith or which is the responsibility of Certificateholders hereunder. In addition, the Company covenants and agrees to indemnify the Trustee from, and hold it harmless against, any and all losses, liabilities, damages, claims or expenses other than those resulting from the negligence or bad faith of the Trustee. From time to time, the Trustee may request that the Company debit the Mortgage Loan Payment Record pursuant to Section 3.04 to reimburse the Trustee for any Monthly Advances and Nonrecoverable Advances. Section 8.06. Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be a national banking association or corporation having its principal office either in the State of New York or in the same state as that in which the initial Trustee under this Agreement has its principal office 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 102 at least $50,000,000 and subject to supervision or examination by federal or state authority. If such corporation 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 8.06, the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. The Trustee shall not be an affiliate of the Company. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section 8.06, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07. Section 8.07. Resignation or Removal of Trustee. 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 having accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor Trustee. If the conditions in any of the following clauses (i), (ii) or (iii) shall occur at any time, the Company may remove the Trustee: (i) 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; (ii) the Trustee shall be legally unable to act, or shall be adjudged a bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation; or (iii) the replacement of the Trustee with a successor Trustee will enable the Company to avoid (and should, based on the information included in the notice referred to below, result in the avoidance of) a downgrading of the ratings assigned to the Certificates by the Rating Agencies (whether or not other actions could avoid such downgrading) and no Event of Default, as provided by Section 7.01 hereof, shall have occurred or be continuing; provided, however, that no action shall be taken pursuant to this clause (iii) unless reasonable notice shall have been provided to the Trustee, which notice shall set forth the basis for any rating downgrade as contemplated by the Rating Agencies and shall also indicate the manner in which such proposed action is intended to avoid such downgrade. If it removes the Trustee under the authority of the immediately 103 preceding sentence, the Company shall promptly 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. Any resignation or removal of the Trustee and appointment of a successor Trustee pursuant to any of the provisions of this Section 8.07 shall not become effective until acceptance of appointment by the successor Trustee as provided in Section 8.08. Section 8.08. Successor Trustee. 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, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor hereunder, with like effect as if originally named as Trustee. The predecessor Trustee shall deliver to the successor Trustee all Mortgage Files and related documents and statements held by it hereunder; and the Company and the predecessor Trustee shall execute and deliver such instruments and do such other things as may reasonably be required for fully and certainly vesting and confirming in the successor Trustee all such rights, powers, duties and obligations. No successor Trustee shall accept appointment as provided in this Section 8.08 unless at the time of such acceptance such successor Trustee shall be eligible under the provisions of Section 8.06. Upon acceptance of appointment by a successor Trustee as provided in this Section 8.08, 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 into which the Trustee may be merged or converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation succeeding to the corporate trust business of the Trustee, shall be the successor of the Trustee hereunder, provided that such corporation shall be eligible under the provisions of Section 8.06, without the 104 execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. Section 8.10. Appointment of Co-Trustee or Separate Trustee. Notwithstanding any other provisions of this Agreement, 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 any Mortgage Note may at the time be located, the Company 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, of all or any part of the Trust Fund, or separate trustee or separate trustees of any part of the Trust Fund, and to vest in such Person or Persons, in such capacity and for the benefit of the Certificateholders, such title to the Trust Fund, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Company and the Trustee may consider necessary or desirable. If the Company 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 and no notice to Certificateholders of the appointment of any co-trustee or separate trustee shall be required under Section 8.08. Every separate trustee and co-trustee shall, to the extent permitted by law, be appointed and act subject to the following provisions and conditions: (i) All 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 (it being understood that such separate trustee or co-trustee is not authorized to act separately without the Trustee joining in such act), 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 Company 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 singly by such separate trustee or co-trustee, but solely at the direction of the Trustee; 105 (ii) No trustee hereunder shall be held personally liable by reason of any act or omission of any other trustee hereunder; and (iii) The Company and the Trustee acting jointly may at any time accept the resignation of or remove any separate trustee or co-trustee. 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 and a copy thereof given to the Company. 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. Compliance with REMIC Provisions; Tax Returns. The Trustee shall at all times act in such a manner in the performance of its duties hereunder as shall be necessary to prevent each of the Upper Tier REMIC and the Lower Tier REMIC from failing to qualify as a REMIC and to prevent the imposition of a tax on the Trust Fund or such REMICs. The Trustee, upon request, will furnish the Company with all such information within its possession as may be reasonably required in connection with the preparation of all tax returns of the Trust Fund and any Reserve Fund, and shall, upon request, execute such returns. ARTICLE IX TERMINATION 106 Section 9.01. Termination upon Repurchase by the Company or Liquidation of All Mortgage Loans. Subject to Section 9.02, the respective obligations and responsibilities of the Company and the Trustee created hereby (other than the obligation of the Trustee to make certain payments to Certificateholders after the final Distribution Date and the obligation of the Trustee 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 (a) the repurchase by the Company of all Mortgage Loans and all REO Mortgage Loans remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than any REO Mortgage Loans described in the following clause) plus accrued and unpaid interest thereon at the applicable Net Mortgage Rate (less any amounts constituting previously unreimbursed Monthly Advances) to the first day of the month in which such purchase price is to be distributed to Certificateholders and (y) the appraised value of any REO Mortgage Loan (less the good faith estimate of the Company of Liquidation Expenses to be incurred in connection with its disposal thereof), such appraisal to be conducted by an appraiser mutually agreed upon by the Company and the Trustee, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund or the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan; provided, however, that in no event shall the Trust Fund 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 of America to the Court of St. James's, living on the date of this Agreement. The right of the Company to repurchase all Mortgage Loans pursuant to clause (a) above shall be conditioned upon the aggregate of the Principal Balance of the Outstanding Mortgage Loans, at the time of any such repurchase, aggregating less than 10 percent of the aggregate of the Principal Balance of the Mortgage Loans as of the Cut-off Date. Notice of any termination, specifying the Distribution Date upon which the Certificateholders may surrender their Certificates to the Trustee for payment of the final distribution and cancellation, shall be given promptly by the Trustee by letter to Certificateholders mailed not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying (A) the Distribution Date upon which final payment of the Certificates will be made upon presentation and surrender of the Certificates at the office of the Trustee therein designated, (B) the amount of any such final payment and (C) that the Record Date otherwise applicable to such Distribution Date is not applicable, payments being made 107 only upon presentation and surrender of the Certificates at the office of the Trustee therein specified. The Trustee shall give such notice to the Certificate Registrar at the time such notice is given to Certificateholders. In the event such notice is given in connection with the exercise by the Company of its right of repurchase, the Company shall deposit in the Certificate Account not later than 11:00 a.m. on the Business Day prior to the final Distribution Date in next-day funds an amount equal to the price described above. Upon presentation and surrender of the Certificates, the Trustee shall cause to be distributed to Certificateholders an amount equal to the price calculated as above provided, any such repurchase being in lieu of the distribution otherwise required to be made on the Distribution Date upon which the repurchase is effected. Upon certification to the Trustee by a Servicing Officer following such final deposit, the Trustee shall promptly release to the Company the Mortgage Files for the repurchased Mortgage Loans. On the final Distribution Date, the Trustee shall distribute amounts on deposit in the Certificate Account in accordance with the applicable priorities provided by Section 4.01 or Section 2.05(d), as the case may be. Distributions on each Certificate shall be made on the final Distribution Date in the manner specified in Section 4.02 but only upon presentation and surrender of the Certificates. In the event that all of the Certificateholders shall not surrender their Certificates for cancellation within six months after the date specified in the above-mentioned written notice, the Trustee shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within one year after the second notice all the Certificates shall not have been surrendered for cancellation, the Trustee may take appropriate steps, or may appoint an agent to take appropriate steps, to contact the remaining Certificateholders concerning surrender of their Certificates, and the cost thereof shall be paid out of the funds and other assets which remain subject hereto. Section 9.02. Additional Termination Requirements. (a) In the event the Company exercises its purchase option as provided in Section 9.01, the Trust Fund and each of the Upper Tier REMIC and the Lower Tier REMIC established hereunder shall be terminated in accordance with the following additional requirements, unless the Trustee has been supplied with an Opinion of Counsel to the effect that the failure to comply with the requirements of this Section 9.02 will not (i) result in the imposition of taxes on "prohibited transactions" of either of the Upper Tier REMIC or the Lower Tier REMIC as defined in section 108 860F of the Code, or (ii) cause either of the Upper Tier REMIC or the Lower Tier REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding: (i) Within 90 days prior to the final Distribution Date set forth in the notice given by the Trustee under Section 9.01, the Company shall prepare and the Trustee shall execute and adopt a plan of complete liquidation for either the Upper Tier REMIC or the Lower Tier REMIC within the meaning of section 860F(a)(4)(A)(i) of the Code, which shall be evidenced by such notice; and (ii) Within 90 days after the time of adoption of such a plan of complete liquidation, the Trustee shall sell all of the assets of the Trust Fund to the Company for cash in accordance with Section 9.01. (b) By their acceptance of the Residual Certificates, the Holders thereof hereby authorize the Trustee to adopt such a plan of complete liquidation which authorization shall be binding on all successor Holders of the Residual Certificates. (c) On the final federal income tax return for each of the Upper Tier REMIC and the Lower Tier REMIC, the Trustee will attach a statement specifying the date of the adoption of the plan of liquidation. ARTICLE X MISCELLANEOUS PROVISIONS Section 10.01. Amendment. This Agreement may be amended from time to time by the Company and the Trustee, without the consent of any of the Certificateholders, to cure any ambiguity, to correct or supplement any provisions herein or therein which may be defective or inconsistent with any other provisions herein, or to add any other provisions with respect to matters or questions arising under this Agreement, which shall not be materially inconsistent with the provisions of this Agreement; provided, however, that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder. Notwithstanding the foregoing, without the consent of the Certificateholders, the Trustee and the Company may at any time and from time to time amend this Agreement to modify, eliminate or add to any of its provisions to such extent as shall be necessary or appropriate to maintain the qualification of each of the Upper Tier REMIC and the Lower Tier REMIC as a REMIC under the Code or to avoid or minimize the risk of the imposition of 109 any tax on the Trust Fund pursuant to the Code that would be a claim against the Trust Fund at any time prior to the final redemption of the Certificates, provided that the Trustee has obtained an opinion of independent counsel (which opinion also shall be addressed to the Company) to the effect that such action is necessary or appropriate to maintain such qualification or to avoid or minimize the risk of the imposition of such a tax. This Agreement may also be amended from time to time by the Company and the Trustee with the consent of Holders of Certificates evidencing (i) not less than 66% of the Voting Rights of all the Certificates or (ii) Percentage Interests aggregating not less than 66% of each Class affected by such amendment, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement, or of modifying in any manner the rights of the Holders of Certificates; provided, however, that no such amendment shall (a) reduce in any manner the amount of, or delay the timing of, collections of payments on the Mortgage Loans or distributions which are required to be made on any Certificate without the consent of the Holder of such Certificate, (b) adversely affect in any material respects the interests of the Holders of any Class of Certificates in any manner other than as described in (a), without the consent of the Holders of Certificates evidencing Percentage Interests aggregating not less than 66% of such Class, or (c) reduce the aforesaid percentages of Certificates of any Class required to consent to any such amendment, without the consent of the Holders of all Certificates of such Class then outstanding. For purposes of this paragraph, references to "Holder" or "Holders" shall be deemed to include, in the case of any Class of Book-Entry Certificates, the related Certificate Owners. Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel to the effect that such amendment will not subject the Trust Fund to tax or cause either of the Upper Tier REMIC or the Lower Tier REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding. Promptly after the execution of any such amendment or consent the Trustee shall furnish written notification of the substance of such amendment to each Certificateholder. It shall not be necessary for the consent of Certificateholders under this Section 10.01 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 110 authorization of the execution thereof by Certificateholders shall be subject to such reasonable requirements as the Trustee may prescribe. Section 10.02. Recordation of Agreement. This Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Company and at its expense on direction by the Trustee, but only upon direction of the Trustee accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of Certificateholders. For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. Section 10.03. Limitation on Rights of Certificateholders. 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 commence any proceeding in any court for a partition or winding up of the Trust Fund, nor otherwise affect the rights, obligations and liabilities of the parties hereto or any of them. No Certificateholder shall have any right to vote (except as provided in Section 10.01) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof. No Certificateholder shall have any right by virtue or by availing itself of any provisions of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates of each Class 111 affected thereby evidencing, as to each such Class, Percentage Interests aggregating not less than 25% shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 60 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding; it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates shall have any right in any manner whatever by virtue or by availing itself or themselves of any provisions of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of the Certificates, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the equal, ratable and common benefit of all Certificateholders. For the protection and enforcement of the provisions of this Section 10.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity. Section 10.04. Governing Law. THIS AGREEMENT SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. Section 10.05. Notices. All demands, notices and communications hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by certified mail, return receipt requested, (a) in the case of the Company, to GE Capital Mortgage Services, Inc., 3 Executive Campus, Cherry Hill, New Jersey 08002, Attention: General Counsel, (b) in the case of the Trustee, to The First National Bank of Chicago, One First National Plaza, Suite 0126, Chicago, Illinois 60670-0126, Attention: Corporate Trust Services, (c) in the case of Fitch, to Fitch IBCA, Inc., One State Street Plaza, New York, New York 10004, Attention: Structured Finance Surveillance, and (d) in the case of Moody's, to Moody's Investors Service, Inc., 99 Church Street, New York, New York 10007, Attention: Home Equity Monitoring Group, or, as to each such Person, at such other address as shall be designated by such Person in a written notice to each other named Person. Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such Holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement 112 shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 10.06. Notices to the Rating Agencies. The Company shall deliver written notice of the following events to each Rating Agency promptly following the occurrence thereof: material amendment to this Agreement; any Trigger Event; change in or termination of the Trustee; removal of the Company or any successor servicer as servicer; repurchase or replacement of any Defective Mortgage Loan pursuant to Section 2.03; and final payment to Certificateholders. In addition, the Company shall deliver copies of the following documents to each Rating Agency at the time such documents are required to be delivered pursuant to this Agreement: monthly statements to Certificateholders pursuant to Section 4.05, annual report of independent accountants pursuant to Section 3.13 and annual servicer compliance report pursuant to Section 3.12. Notwithstanding the foregoing, the failure to deliver such notices or copies shall not constitute an Event of Default under this Agreement. Section 10.07. 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 to the extent permitted by law such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof. Section 10.08. Certificates Nonassessable and Fully Paid. It is the intention of the Trustee that Certificateholders shall not be personally liable for obligations of the Trust Fund, that the beneficial ownership interests represented by the Certificates shall be nonassessable for any losses or expenses of the Trust Fund or for any reason whatsoever, and that Certificates upon execution, countersignature and delivery thereof by the Trustee are and shall be deemed fully paid. * * * IN WITNESS WHEREOF, the Company and the Trustee have caused this Agreement to be duly executed by their respective officers and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written. GE CAPITAL MORTGAGE SERVICES, INC. By:_______________________________ Name: Title: [SEAL] Attest: By:________________________ Name: Title: THE FIRST NATIONAL BANK OF CHICAGO, as Trustee By:________________________________ Name: Title: [SEAL] Attest: By:_________________________ Name: Title: State of New Jersey ) ) ss.: County of Camden ) On the day of December, 1997 before me, a notary public in and for the State of New Jersey, personally appeared _______________________, known to me who, being by me duly sworn, did depose and say that he/she resides at ___________________ __________________________________________; that he/she is a(n) _________________________ of GE Capital Mortgage Services, Inc., a corporation formed under the laws of the State of New Jersey, one of the parties that executed the foregoing instrument; that he/she knows the seal of said corporation; that the seal affixed to said instrument is such corporate seal; that it was so affixed by order of the Board of Directors of said corporation; and that he/she signed his/her name thereto by like order. ________________________ Notary Public [Notarial Seal] The State of Illinois ) ) ss.: County of Cook ) On the day of December, 1997 before me, a notary public in and for the State of Illinois, personally appeared ____________________, known to me who, being by me duly sworn, did depose and say that he/she resides at _______________ _________________________________; that he/she is a(n) _________ _________________________ of The First National Bank of Chicago, one of the parties that executed the foregoing instrument; that he/she knows the seal of said Bank; that the seal affixed to said instrument is such corporate seal; that it was so affixed by order of the Board of Directors of said Bank; and that he/she signed his/her name thereto by order of the Board of Directors of said Bank. _______________________ Notary Public [Notarial Seal] EXHIBIT A FORMS OF CERTIFICATES PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). 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. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class A1 Certificate Principal Balance: Class A1 $56,900,000 Certificate Interest Initial Certificate Principal Rate per annum: 6.825% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFF6 January 26, 1998 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 A1 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on this Certificate will be made in the applicable manner described above, after due notice by the Trustee of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency maintained for that purpose by the Trustee in New York, New York. This Certificate is one of a duly authorized issue of Certificates designated as Home Equity Loan Pass-Through Certificates, Series 1997-HE4, issued in sixteen Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7. Class R1, Class R2, Class M, Class B1, Class B2, Class B3, Class B4, Class B5 and Class S, herein called the "Certificates"). The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement. As provided in the Agreement and with certain exceptions therein provided, certain losses on the Mortgage Loans resulting from defaults by Mortgagors will be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4 and Class B5 Certificates before such losses will be borne by the Holders of the other Classes of the Certificates. This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced hereby, and the rights, duties and immunities of the Trustee. The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the Certificateholders under the Agreement at any time by the Company and the Trustee with the consent of the Holders of Certificates evidencing not less than 66% of all the Voting Rights as defined in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate which is in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended ("Section 4975") (a "Plan") or a Person that is using the assets of a Plan to acquire such Certificate or (y) is an insurance company investing assets of its general account and the exemption provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's acquisition and holding of such Certificate, or (ii) an opinion of counsel satisfactory to the Trustee, which opinion shall not be an expense of the Trustee or the Company, to the effect that the purchase and holding of such Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of a Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a Person that is purchasing or holding such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975. No transfer of any Class R1 or Class R2 Certificate shall be made to any Person unless the Trustee has received a certificate from such transferee to the effect that, among other things, such transferee (x) is not an employee benefit plan subject to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any such Class R1 or Class R2 Certificate or (y) is an insurance company investing assets of its general account and the Exemption applies to such transferee's acquisition and holding of any such Class R1 or Class R2 Certificate. As provided in the Agreement, and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in the city in which the Corporate Trust Office of the Trustee is located or in the City of New York, accompanied by a written instrument of transfer in form satisfactory to the Company, the Trustee, and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons 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 the same Class of authorized denominations evidencing the same aggregate Percentage Interest as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Trustee and the Certificate Registrar and any agent of 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 Trustee, the Certificate Registrar nor any such agent shall be affected by any notice to the contrary. The obligations and responsibilities created by the Agreement, and the Trust Fund created thereby shall terminate upon payment to the Certificateholders, or provision therefor, in accordance with the Agreement following the earlier of (a) the repurchase by the Company of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus accrued and unpaid interest thereon at the rate provided for in the Agreement (less any amounts representing previously unreimbursed Monthly Advances) and (y) the appraised value of any property acquired in respect of a Mortgage Loan determined as provided in the Agreement, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan. The right of the Company to repurchase all the Mortgage Loans and property in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance at the time of repurchase being less than 10 percent of the Pool Scheduled Principal Balance as of the Cut-off Date. The Company's exercise of such right will result in early retirement of the Certificates. Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal. THE FIRST NATIONAL BANK OF CHICAGO, N.A., not in its individual capacity but solely as Trustee By:_________________________ Name: Title: Date:________________ ASSIGNMENT FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto Please insert social security or other identifying number of assignee - ----------------------------------------------------------------- - ----------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) - ----------------------------------------------------------------- this Certificate evidencing a Percentage Interest in certain distributions with respect to the Trust Fund and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of said Trust Fund. I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address: - ----------------------------------------------------------------- - ----------------------------------------------------------------- - ----------------------------------------------------------------- Dated:--------------- - ------------------------------------- Signature by or on behalf of assignor - ------------------------- *Signature Guaranteed* *The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). 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. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class A2 Certificate Principal Balance: Class A2 $20,000,000 Certificate Interest Initial Certificate Principal Rate per annum: 6.565% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFG4 January 26, 1998 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 A2 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). 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. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class A3 Certificate Principal Balance: Class A3 $30,000,000 Certificate Interest Initial Certificate Principal Rate per annum: 6.590% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFH2 January 26, 1998 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 A3 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). 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. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class A4 Certificate Principal Balance: Class A4 $10,000,000 Certificate Interest Initial Certificate Principal Rate per annum: 6.765% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFJ8 January 26, 1998 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 A4 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). 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. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class A5 Certificate Principal Balance: Class A5 $13,400,000 Certificate Interest Initial Certificate Principal Rate per annum: 6.800% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFK5 January 26, 1998 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 A5 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). 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. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class A6 Certificate Principal Balance: Class A6 $23,411,000 Certificate Interest Initial Certificate Principal Rate per annum: 7.170% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFL3 January 26, 1998 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 A6 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). 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. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class A7 Certificate Principal Balance: Class A7 $17,063,000 Certificate Interest Initial Certificate Principal Rate per annum: 6.735% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFM1 January 26, 1998 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 A7 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(2) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). A TRANSFEREE OF THIS CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE ACCEPTED THIS CERTIFICATE SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFERABILITY AS SET FORTH IN THE AGREEMENT, AND SHALL BE REQUIRED TO FURNISH AN AFFIDAVIT TO THE TRANSFEROR AND THE TRUSTEE TO THE EFFECT THAT IT IS NOT A DISQUALIFIED ORGANIZATION, AS SUCH TERM IS DEFINED IN CODE SECTION 860E(e)(5), AN AGENT (INCLUDING A BROKER, NOMINEE OR OTHER MIDDLEMAN) FOR SUCH DISQUALIFIED ORGANIZATION, OR AN ENTITY THAT HOLDS REMIC RESIDUAL SECURITIES AS NOMINEE TO FACILITATE THE CLEARANCE AND SETTLEMENT OF SUCH SECURITIES THROUGH BOOK-ENTRY CHANGES IN ACCOUNTS OF PARTICIPATING ORGANIZATIONS (A "BOOK-ENTRY NOMINEE") AND TO HAVE AGREED TO SUCH AMENDMENTS TO THE AGREEMENT AS MAY BE REQUIRED TO FURTHER EFFECTUATE THE RESTRICTIONS ON TRANSFERS TO DISQUALIFIED ORGANIZATIONS, AGENTS THEREOF OR BOOK-ENTRY NOMINEES. THE HOLDER OF THIS CLASS R1 CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE IRREVOCABLY APPOINTED THE COMPANY AS ITS AGENT AND ATTORNEY-IN-FACT TO ACT AS "TAX MATTERS PERSON" OF THE LOWER-TIER REMIC TO PERFORM THE FUNCTIONS OF A "TAX MATTERS PARTNER" FOR PURPOSES OF SUBCHAPTER C OF CHAPTER 63 OF SUBTITLE F OF THE CODE, WITH RESPECT TO THE TRUST FUND. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY DISQUALIFIED ORGANIZATION, BOOK-ENTRY NOMINEE OR NON-PERMITTED FOREIGN HOLDER, AS DEFINED IN THE AGREEMENT OR TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class R1 Certificate Principal Balance: Class R1 $500.00 Certificate Interest Initial Certificate Principal Rate per annum: 0.00% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFN9 January 26, 1998 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 R1 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on this Certificate will be made in the applicable manner described above, after due notice by the Trustee of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency maintained for that purpose by the Trustee in New York, New York. This Certificate is one of a duly authorized issue of Certificates designated as Home Equity Loan Pass-Through Certificates, Series 1997-HE4, issued in sixteen Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class R1, Class R2, Class M, Class B1, Class B2, Class B3, Class B4, Class B5 and Class S, herein called the "Certificates"). The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement. As provided in the Agreement and with certain exceptions therein provided, certain losses on the Mortgage Loans resulting from defaults by Mortgagors will be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4 and Class B5 Certificates before such losses will be borne by the Holders of the other Classes of the Certificates. This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced hereby, and the rights, duties and immunities of the Trustee. The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the Certificateholders under the Agreement at any time by the Company and the Trustee with the consent of the Holders of Certificates evidencing not less than 66% of all the Voting Rights as defined in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate which is in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended ("Section 4975") (a "Plan") or a Person that is using the assets of a Plan to acquire such Certificate or (y) is an insurance company investing assets of its general account and the exemption provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's acquisition and holding of such Certificate, or (ii) an opinion of counsel satisfactory to the Trustee, which opinion shall not be an expense of the Trustee or the Company, to the effect that the purchase and holding of such Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of a Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a Person that is purchasing or holding such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975. No transfer of any Class R1 or Class R2 Certificate shall be made to any Person unless the Trustee has received a certificate from such transferee to the effect that, among other things, such transferee (x) is not an employee benefit plan subject to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any such Class R1 or Class R2 Certificate or (y) is an insurance company investing assets of its general account and the Exemption applies to such transferee's acquisition and holding of any such Class R1 or Class R2 Certificate. As provided in the Agreement, and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in the city in which the Corporate Trust Office of the Trustee is located or in the City of New York, accompanied by a written instrument of transfer in form satisfactory to the Company, the Trustee, and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons 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 the same Class of authorized denominations evidencing the same aggregate Percentage Interest as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Trustee and the Certificate Registrar and any agent of 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 Trustee, the Certificate Registrar nor any such agent shall be affected by any notice to the contrary. The obligations and responsibilities created by the Agreement, and the Trust Fund created thereby shall terminate upon payment to the Certificateholders, or provision therefor, in accordance with the Agreement following the earlier of (a) the repurchase by the Company of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus accrued and unpaid interest thereon at the rate provided for in the Agreement (less any amounts representing previously unreimbursed Monthly Advances) and (y) the appraised value of any property acquired in respect of a Mortgage Loan determined as provided in the Agreement, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan. The right of the Company to repurchase all the Mortgage Loans and property in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance at the time of repurchase being less than 10 percent of the Pool Scheduled Principal Balance as of the Cut-off Date. The Company's exercise of such right will result in early retirement of the Certificates. Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal. THE FIRST NATIONAL BANK OF CHICAGO, N.A., not in its individual capacity but solely as Trustee By:_________________________ Name: Title: Date:_________________ ASSIGNMENT FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto Please insert social security or other identifying number of assignee - ----------------------------------------------------------------- - ----------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) - ----------------------------------------------------------------- this Certificate evidencing a Percentage Interest in certain distributions with respect to the Trust Fund and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of said Trust Fund. I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address: - ----------------------------------------------------------------- - ----------------------------------------------------------------- - ----------------------------------------------------------------- Dated:------------------- - ------------------------------------- Signature by or on behalf of assignor - -------------------------- *Signature Guaranteed* *The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(2) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE "CODE"). A TRANSFEREE OF THIS CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE ACCEPTED THIS CERTIFICATE SUBJECT TO CERTAIN RESTRICTIONS ON TRANSFERABILITY AS SET FORTH IN THE AGREEMENT, AND SHALL BE REQUIRED TO FURNISH AN AFFIDAVIT TO THE TRANSFEROR AND THE TRUSTEE TO THE EFFECT THAT IT IS NOT A DISQUALIFIED ORGANIZATION, AS SUCH TERM IS DEFINED IN CODE SECTION 860E(e)(5), AN AGENT (INCLUDING A BROKER, NOMINEE OR OTHER MIDDLEMAN) FOR SUCH DISQUALIFIED ORGANIZATION, OR AN ENTITY THAT HOLDS REMIC RESIDUAL SECURITIES AS NOMINEE TO FACILITATE THE CLEARANCE AND SETTLEMENT OF SUCH SECURITIES THROUGH BOOK-ENTRY CHANGES IN ACCOUNTS OF PARTICIPATING ORGANIZATIONS (A "BOOK-ENTRY NOMINEE") AND TO HAVE AGREED TO SUCH AMENDMENTS TO THE AGREEMENT AS MAY BE REQUIRED TO FURTHER EFFECTUATE THE RESTRICTIONS ON TRANSFERS TO DISQUALIFIED ORGANIZATIONS, AGENTS THEREOF OR BOOK-ENTRY NOMINEES. THE HOLDER OF THIS CLASS R2 CERTIFICATE, BY ACCEPTANCE HEREOF, IS DEEMED TO HAVE IRREVOCABLY APPOINTED THE COMPANY AS ITS AGENT AND ATTORNEY-IN-FACT TO ACT AS "TAX MATTERS PERSON" OF THE UPPER-TIER REMIC TO PERFORM THE FUNCTIONS OF A "TAX MATTERS PARTNER" FOR PURPOSES OF SUBCHAPTER C OF CHAPTER 63 OF SUBTITLE F OF THE CODE, WITH RESPECT TO THE TRUST FUND. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY DISQUALIFIED ORGANIZATION, BOOK-ENTRY NOMINEE OR NON-PERMITTED FOREIGN HOLDER, AS DEFINED IN THE AGREEMENT OR TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class R2 Certificate Principal Balance: Class R2 $500.00 Certificate Interest Initial Certificate Principal Rate per annum: 0.00% Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFP4 January 26, 1998 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 R2 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. 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. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class M Certificate Principal Balance: Class M $4,654,000 Certificate Interest Initial Certificate Principal Rate per annum: variable Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFQ2 January 26, 1998 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 M Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on this Certificate will be made in the applicable manner described above, after due notice by the Trustee of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency maintained for that purpose by the Trustee in New York, New York. This Certificate is one of a duly authorized issue of Certificates designated as Home Equity Loan Pass-Through Certificates, Series 1997-HE4, issued in sixteen Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class R1, Class R2, Class M, Class B1, Class B2, Class B3, Class B4, Class B5 and Class S, herein called the "Certificates"). The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement. As provided in the Agreement and with certain exceptions therein provided, certain losses on the Mortgage Loans resulting from defaults by Mortgagors will be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4 and Class B5 Certificates before such losses will be borne by the Holders of the other Classes of the Certificates. This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced hereby, and the rights, duties and immunities of the Trustee. The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the Certificateholders under the Agreement at any time by the Company and the Trustee with the consent of the Holders of Certificates evidencing not less than 66% of all the Voting Rights as defined in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate which is in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended ("Section 4975") (a "Plan") or a Person that is using the assets of a Plan to acquire such Certificate or (y) is an insurance company investing assets of its general account and the exemption provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's acquisition and holding of such Certificate, or (ii) an opinion of counsel satisfactory to the Trustee, which opinion shall not be an expense of the Trustee or the Company, to the effect that the purchase and holding of such Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of a Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a Person that is purchasing or holding such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975. No transfer of any Class R1 or Class R2 Certificate shall be made to any Person unless the Trustee has received a certificate from such transferee to the effect that, among other things, such transferee (x) is not an employee benefit plan subject to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any such Class R1 or Class R2 Certificate or (y) is an insurance company investing assets of its general account and the Exemption applies to such transferee's acquisition and holding of any such Class R1 or Class R2 Certificate. As provided in the Agreement, and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in the city in which the Corporate Trust Office of the Trustee is located or in the City of New York, accompanied by a written instrument of transfer in form satisfactory to the Company, the Trustee, and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons 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 the same Class of authorized denominations evidencing the same aggregate Percentage Interest as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Trustee and the Certificate Registrar and any agent of 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 Trustee, the Certificate Registrar nor any such agent shall be affected by any notice to the contrary. The obligations and responsibilities created by the Agreement, and the Trust Fund created thereby shall terminate upon payment to the Certificateholders, or provision therefor, in accordance with the Agreement following the earlier of (a) the repurchase by the Company of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus accrued and unpaid interest thereon at the rate provided for in the Agreement (less any amounts representing previously unreimbursed Monthly Advances) and (y) the appraised value of any property acquired in respect of a Mortgage Loan determined as provided in the Agreement, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan. The right of the Company to repurchase all the Mortgage Loans and property in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance at the time of repurchase being less than 10 percent of the Pool Scheduled Principal Balance as of the Cut-off Date. The Company's exercise of such right will result in early retirement of the Certificates. Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal. THE FIRST NATIONAL BANK OF CHICAGO, N.A., not in its individual capacity but solely as Trustee By:-------------------------- Name: Title: Date:------------------- ASSIGNMENT FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto Please insert social security or other identifying number of assignee - ----------------------------------------------------------------- - ----------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) - ----------------------------------------------------------------- this Certificate evidencing a Percentage Interest in certain distributions with respect to the Trust Fund and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of said Trust Fund. I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address: - ----------------------------------------------------------------- - ----------------------------------------------------------------- - ----------------------------------------------------------------- Dated:----------------- - ------------------------------------- Signature by or on behalf of assignor - ------------------------ *Signature Guaranteed* *The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program. THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. 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. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class B1 Certificate Principal Balance: Class B1 $4,189,000 Certificate Interest Initial Certificate Principal Rate per annum: variable Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFR0 January 26, 1998 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 B1 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. 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. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class B2 Certificate Principal Balance: Class B2 $1,862,000 Certificate Interest Initial Certificate Principal Rate per annum: variable Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFS8 January 26, 1998 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 B2 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES ("BLUE SKY LAWS"), AND SUCH CERTIFICATE MAY NOT BE OFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A, (B) PURSUANT TO AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR (C) TO AN INSTITUTIONAL ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7) OF REGULATION D UNDER THE SECURITIES ACT, IN EACH CASE IN A TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH ANY APPLICABLE BLUE SKY LAWS. NO REPRESENTATION IS MADE AS TO THE AVAILABILITY OF THE EXEMPTION PROVIDED BY RULE 144 FOR RESALES OF THIS CERTIFICATE. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE DATE OF ISSUE OF THIS CERTIFICATE IS SEPTEMBER 26, 1997. THE INITIAL PER ANNUM RATE OF INTEREST ON THIS CERTIFICATE IS VARIABLE. ASSUMING THAT PRINCIPAL PREPAYMENTS ARE MADE ON THE MORTGAGE LOANS (AS DEFINED HEREIN) UNDERLYING THE CERTIFICATES AT A RATE OF 100% OF THE PREPAYMENT ASSUMPTION (AS DEFINED IN THE PROSPECTUS COVERING THE INITIAL OFFERING OF THE CERTIFICATES), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $69.54 OF OID PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS 10.63% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL SHORT ACCRUAL PERIOD IS NO MORE THAN $.44 PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE EXACT METHOD. NO REPRESENTATION IS MADE AS TO THE RATE AT WHICH PRINCIPAL PAYMENTS WILL BE MADE ON THE MORTGAGE LOANS. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class B3 Certificate Principal Balance: Class B3 $1,862,000.00 Certificate Interest Initial Certificate Principal Rate per annum: variable Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFT6 January 26, 1998 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 B3 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on this Certificate will be made in the applicable manner described above, after due notice by the Trustee of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency maintained for that purpose by the Trustee in New York, New York. This Certificate is one of a duly authorized issue of Certificates designated as Home Equity Loan Pass-Through Certificates, Series 1997-HE4, issued in sixteen Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class R1, Class R2, Class M, Class B1, Class B2, Class B3, Class B4, Class B5 and Class S, herein called the "Certificates"). The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement. As provided in the Agreement and with certain exceptions therein provided, certain losses on the Mortgage Loans resulting from defaults by Mortgagors will be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4 and Class B5 Certificates before such losses will be borne by the Holders of the other Classes of the Certificates. This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced hereby, and the rights, duties and immunities of the Trustee. The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the Certificateholders under the Agreement at any time by the Company and the Trustee with the consent of the Holders of Certificates evidencing not less than 66% of all the Voting Rights as defined in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. No transfer of any Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate which is in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended ("Section 4975") (a "Plan") or a Person that is using the assets of a Plan to acquire such Certificate or (y) is an insurance company investing assets of its general account and the exemption provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's acquisition and holding of such Certificate, or (ii) an opinion of counsel satisfactory to the Trustee, which opinion shall not be an expense of the Trustee or the Company, to the effect that the purchase and holding of such Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of a Class M, Class B1, Class B2, Class B3, Class B4 or Class B5 Certificate by a Plan or a Person that is purchasing or holding such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975. No transfer of any Class R1 or Class R2 Certificate shall be made to any Person unless the Trustee has received a certificate from such transferee to the effect that, among other things, such transferee (x) is not an employee benefit plan subject to ERISA or a Plan or a Person that is using the assets of a Plan to acquire any such Class R1 or Class R2 Certificate or (y) is an insurance company investing assets of its general account and the Exemption applies to such transferee's acquisition and holding of any such Class R1 or Class R2 Certificate. As provided in the Agreement, and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in the city in which the Corporate Trust Office of the Trustee is located or in the City of New York, accompanied by a written instrument of transfer in form satisfactory to the Company, the Trustee, and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons 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 the same Class of authorized denominations evidencing the same aggregate Percentage Interest as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Trustee and the Certificate Registrar and any agent of 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 Trustee, the Certificate Registrar nor any such agent shall be affected by any notice to the contrary. The obligations and responsibilities created by the Agreement, and the Trust Fund created thereby shall terminate upon payment to the Certificateholders, or provision therefor, in accordance with the Agreement following the earlier of (a) the repurchase by the Company of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus accrued and unpaid interest thereon at the rate provided for in the Agreement (less any amounts representing previously unreimbursed Monthly Advances) and (y) the appraised value of any property acquired in respect of a Mortgage Loan determined as provided in the Agreement, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan. The right of the Company to repurchase all the Mortgage Loans and property in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance at the time of repurchase being less than 10 percent of the Pool Scheduled Principal Balance as of the Cut-off Date. The Company's exercise of such right will result in early retirement of the Certificates. Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal. THE FIRST NATIONAL BANK OF CHICAGO, N.A., not in its individual capacity but solely as Trustee By:------------------------------- Name: Title: Date:-------------------- ASSIGNMENT FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto Please insert social security or other identifying number of assignee - ----------------------------------------------------------------- - ----------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) - ----------------------------------------------------------------- this Certificate evidencing a Percentage Interest in certain distributions with respect to the Trust Fund and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of said Trust Fund. I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address: - ----------------------------------------------------------------- - ----------------------------------------------------------------- - ----------------------------------------------------------------- Dated:--------------------- - ------------------------------------- Signature by or on behalf of assignor - ---------------------- *Signature Guaranteed* *The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program. In connection with any transfer of this Certificate, the undersigned registered holder hereof confirms that without utilizing any general solicitation or general advertising: (Check One) - |_| (a) This Certificate is being transferred by the undersigned to a person whom the undersigned reasonably believes is a "qualified institutional buyer" (as defined in Rule 144A under the Securities Act of 1933, as amended) pursuant to the exemption from registration under the Securities Act of 1933, as amended, provided by Rule 144A thereunder. |_| (b) This Certificate is being transferred by the undersigned to an institutional "accredited investor" (as defined in Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities Act of 1933, as amended) and that the undersigned has been advised by the prospective purchaser that it intends to hold this Certificate for investment and not for distribution or resale. Dated - ----------------------------- --------------------------------- (Signature) If none of the foregoing boxes is checked, the Trustee shall not be obligated to register this Certificate in the name of any person other than the registered holder thereof unless and until the conditions to any such transfer of registration set forth herein, and in the Pooling and Servicing Agreement have been satisfied. TO BE COMPLETED BY PURCHASER IF (a) ABOVE IS CHECKED: The undersigned represents and warrants that (i) it is a "qualified institutional buyer" (as defined in Rule 144A under the Securities Act of 1933, as amended) and acknowledges that it has received such information as the undersigned has requested pursuant to Rule 144A or has determined not to request such information and that it is aware that the registered holder is relying upon the undersigned's foregoing representations in order to claim the exemption from registration provided by Rule 144A, and (ii) the undersigned (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended, or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended, and is not using the assets of any such employee benefit or other plan to acquire this Certificate or (y) is an insurance company investing assets of its general account and the exemptions provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995), apply to the acquisition and holding by the undersigned of this Certificate. Dated - ----------------------------- --------------------------------- (Signature) TO BE COMPLETED BY PURCHASER IF (b) ABOVE IS CHECKED: The undersigned represents and warrants that (i) it is an institutional "accredited investor" (as defined in Rule 501(a)(1), (2), (3) or (7) of Regulation D under the Securities Act of 1933, as amended), and (ii) the undersigned (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended, or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended, and is not using the assets of any such employee benefit or other plan to acquire this Certificate or (y) is an insurance company investing assets of its general account and the exemptions provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995), apply to the acquisition and holding by the undersigned of this Certificate. Dated - ----------------------------- --------------------------------- (Signature) THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES ("BLUE SKY LAWS"), AND SUCH CERTIFICATE MAY NOT BE OFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A, (B) PURSUANT TO AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR (C) TO AN INSTITUTIONAL ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7) OF REGULATION D UNDER THE SECURITIES ACT, IN EACH CASE IN A TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH ANY APPLICABLE BLUE SKY LAWS. NO REPRESENTATION IS MADE AS TO THE AVAILABILITY OF THE EXEMPTION PROVIDED BY RULE 144 FOR RESALES OF THIS CERTIFICATE. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE DATE OF ISSUE OF THIS CERTIFICATE IS SEPTEMBER 26, 1997. THE INITIAL PER ANNUM RATE OF INTEREST ON THIS CERTIFICATE IS VARIABLE. ASSUMING THAT PRINCIPAL PREPAYMENTS ARE MADE ON THE MORTGAGE LOANS (AS DEFINED HEREIN) UNDERLYING THE CERTIFICATES AT A RATE OF 100% OF THE PREPAYMENT ASSUMPTION (AS DEFINED IN THE PROSPECTUS COVERING THE INITIAL OFFERING OF THE CERTIFICATES), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $69.54 OF OID PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS 10.63% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL SHORT ACCRUAL PERIOD IS NO MORE THAN $.44 PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE EXACT METHOD. NO REPRESENTATION IS MADE AS TO THE RATE AT WHICH PRINCIPAL PAYMENTS WILL BE MADE ON THE MORTGAGE LOANS. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class B4 Certificate Principal Balance: Class B4 $1,396,000.00 Certificate Interest Initial Certificate Principal Rate per annum: variable Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFU3 January 26, 1998 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 B4 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF DISTRIBUTION TO CERTAIN CLASSES OF THE CERTIFICATES AS SET FORTH HEREIN AND IN THE AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT"), OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES ("BLUE SKY LAWS"), AND SUCH CERTIFICATE MAY NOT BE OFFERED, RESOLD, PLEDGED OR OTHERWISE TRANSFERRED EXCEPT (A) TO A PERSON WHOM THE SELLER REASONABLY BELIEVES IS A QUALIFIED INSTITUTIONAL BUYER WITHIN THE MEANING OF RULE 144A UNDER THE SECURITIES ACT IN A TRANSACTION MEETING THE REQUIREMENTS OF RULE 144A, (B) PURSUANT TO AN EXEMPTION FROM REGISTRATION PROVIDED BY RULE 144 UNDER THE SECURITIES ACT (IF AVAILABLE) OR (C) TO AN INSTITUTIONAL ACCREDITED INVESTOR AS DEFINED IN RULE 501(a)(1), (2), (3) OR (7) OF REGULATION D UNDER THE SECURITIES ACT, IN EACH CASE IN A TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH ANY APPLICABLE BLUE SKY LAWS. NO REPRESENTATION IS MADE AS TO THE AVAILABILITY OF THE EXEMPTION PROVIDED BY RULE 144 FOR RESALES OF THIS CERTIFICATE. PRINCIPAL IN RESPECT OF THIS CERTIFICATE IS DISTRIBUTABLE AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). ACCORDINGLY, THE CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL CERTIFICATE PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). TRANSFER OF THIS CERTIFICATE IS RESTRICTED AS PROVIDED IN SECTION 5.02 OF THE AGREEMENT. THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE DATE OF ISSUE OF THIS CERTIFICATE IS SEPTEMBER 26, 1997. THE INITIAL PER ANNUM RATE OF INTEREST ON THIS CERTIFICATE IS VARIABLE. ASSUMING THAT PRINCIPAL PREPAYMENTS ARE MADE ON THE MORTGAGE LOANS (AS DEFINED HEREIN) UNDERLYING THE CERTIFICATES AT A RATE OF 100% OF THE PREPAYMENT ASSUMPTION (AS DEFINED IN THE PROSPECTUS COVERING THE INITIAL OFFERING OF THE CERTIFICATES), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $69.54 OF OID PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS 10.63% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL SHORT ACCRUAL PERIOD IS NO MORE THAN $.44 PER $1,000 OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE EXACT METHOD. NO REPRESENTATION IS MADE AS TO THE RATE AT WHICH PRINCIPAL PAYMENTS WILL BE MADE ON THE MORTGAGE LOANS. THIS CERTIFICATE MAY NOT BE PURCHASED BY OR TRANSFERRED TO ANY EMPLOYEE BENEFIT PLAN SUBJECT TO THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA") OR A PLAN SUBJECT TO SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED ("SECTION 4975") (A "PLAN") OR A PERSON THAT IS USING THE ASSETS OF A PLAN TO ACQUIRE THIS CERTIFICATE, EXCEPT AS DESCRIBED HEREIN. THE TRANSFER OF THIS CERTIFICATE IS SUBJECT TO CERTAIN OTHER RESTRICTIONS AS SET FORTH HEREIN. HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class B5 Certificate Principal Balance: Class B5 $1,396,461.31 Certificate Interest Initial Certificate Principal Rate per annum: variable Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: CUSIP: 36157NFV1 January 26, 1998 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 B5 Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on PRINCIPAL WILL NOT BE DISTRIBUTABLE IN RESPECT OF THIS CERTIFICATE. INTEREST IS CALCULATED ON THIS CERTIFICATE BASED ON THE CLASS S NOTIONAL PRINCIPAL BALANCE, WHICH, AS OF ANY DISTRIBUTION DATE, IS EQUAL TO THE AGGREGATE SCHEDULED PRINCIPAL BALANCE OF THE OUTSTANDING NON-DISCOUNT MORTGAGE LOANS AS SET FORTH IN THE AGREEMENT (AS DEFINED HEREIN). CONSEQUENTLY, THE NOTIONAL PRINCIPAL BALANCE OF THIS CERTIFICATE AT ANY TIME MAY BE LESS THAN THE INITIAL NOTIONAL PRINCIPAL BALANCE OF THIS CERTIFICATE AS SET FORTH HEREON. THIS CERTIFICATE DOES NOT REPRESENT AN INTEREST IN OR OBLIGATION OF GE CAPITAL MORTGAGE SERVICES, INC. OR THE TRUSTEE (AS DEFINED HEREIN). THIS CERTIFICATE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE "ACT"). ANY RESALE OR TRANSFER OF THIS CERTIFICATE WITHOUT REGISTRATION THEREOF UNDER THE ACT MAY ONLY BE MADE IN A TRANSACTION EXEMPT FROM THE REGISTRATION REQUIREMENTS OF THE ACT AND IN ACCORDANCE WITH SECTION 5.02 OF THE AGREEMENT REFERRED TO HEREIN. THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" ("REMIC") (AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G(a)(1) AND 860D OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED). HOME EQUITY LOAN PASS-THROUGH CERTIFICATE, SERIES 1997-HE4 evidencing a beneficial ownership interest in a trust fund which consists primarily of a pool of closed-end, fixed rate, home equity loans sold and serviced by GE CAPITAL MORTGAGE SERVICES, INC. No. R- Initial Class S Notional Principal Balance: Class S $186,134,461.31 Certificate Interest Initial Notional Principal Rate per annum: variable Balance of this Certificate: $ Cut-off Date: December 1, 1997 First Distribution Date: January 26, 1998 THIS CERTIFIES THAT is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the initial Notional Principal Balance of this Certificate by the aggregate initial Notional Principal Balance of all Class S Certificates, both as specified above) in certain distributions with respect to the Trust Fund, consisting primarily of a pool (the "Pool") of closed-end, fixed rate, home equity loans (the "Mortgage Loans"), sold and serviced by GE Capital Mortgage Services, Inc., a corporation organized and existing under the laws of the State of New Jersey (the "Company"). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between the Company and The First National Bank of Chicago, N.A., as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth herein below. To the extent not defined herein, the 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. The Agreement requires the distribution 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 in January 1998, to the Person in whose name this Certificate is registered at the close of business on the last Business Day of the month immediately preceding the month of such distribution (the "Record Date"), of an amount equal to the product of the Percentage Interest evidenced by this Certificate and the aggregate amount required to be distributed to Holders of Certificates of the same Class as this Certificate pursuant to the Agreement. Distributions on this Certificate will be made by the Trustee by check or money order mailed to the Person entitled thereto at the address appearing in the Certificate Register or, upon written request by the Certificateholder, by such other means of payment as such Person and the Trustee shall agree. Except as otherwise provided in the Agreement, the final distribution on this Certificate will be made in the applicable manner described above, after due notice by the Trustee of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency maintained for that purpose by the Trustee in New York, New York. This Certificate is one of a duly authorized issue of Certificates designated as Home Equity Loan Pass-Through Certificates, Series 1997-HE4, issued in sixteen Classes (Class A1, Class A2, Class A3, Class A4, Class A5, Class A6, Class A7, Class R1, Class R2, Class M, Class B1, Class B2, Class B3, Class B4, Class B5 and Class S, herein called the "Certificates"). The Certificates are limited in right of payment to certain payments on and collections in respect of the Mortgage Loans, all as more specifically set forth in the Agreement. The Certificateholder, by its acceptance of this Certificate, agrees that it will look solely to the funds on deposit in the Certificate Account for payment hereunder and that the Trustee in its individual capacity is not personally liable to the Certificateholders for any amount payable under this Certificate or the Agreement or, except as expressly provided in the Agreement, subject to any liability under the Agreement. As provided in the Agreement and with certain exceptions therein provided, certain losses on the Mortgage Loans resulting from defaults by Mortgagors will be borne by the Holders of the Class M, Class B1, Class B2, Class B3, Class B4 and Class B5 Certificates before such losses will be borne by the Holders of the other Classes of the Certificates. This Certificate does not purport to summarize the Agreement and reference is made to the Agreement for the interests, rights and limitations of rights, benefits, obligations and duties evidenced hereby, and the rights, duties and immunities of the Trustee. The Agreement permits, with certain exceptions therein provided, the amendment thereof and the modification of the rights and obligations of the Company and the rights of the Certificateholders under the Agreement at any time by the Company and the Trustee with the consent of the Holders of Certificates evidencing not less than 66% of all the Voting Rights as defined in the Agreement. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future Holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon this Certificate. The Agreement also permits the amendment thereof, in certain limited circumstances, without the consent of the Holders of any of the Certificates. No transfer of any Class S Certificate which is in the form of a Definitive Certificate shall be made to any Person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee (x) is not an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Internal Revenue Code of 1986, as amended ("Section 4975") (a "Plan") or a Person that is using the assets of a Plan to acquire such Certificate or (y) is an insurance company investing assets of its general account and the exemption provided by Section III(a) of Department of Labor Prohibited Transaction Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemption") applies to such transferee's acquisition and holding of such Certificate, or (ii) an opinion of counsel satisfactory to the Trustee, which opinion shall not be an expense of the Trustee or the Company, to the effect that the purchase and holding of such Certificate will not constitute or result in the assets of the Trust Fund being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement; provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of a change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of a Class S Certificate by a Plan or a Person that is purchasing or holding such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975. As provided in the Agreement, and subject to certain limitations therein set forth, the transfer of this Certificate is registerable in the Certificate Register of the Trustee upon surrender of this Certificate for registration of transfer at the office or agency maintained by the Trustee in the city in which the Corporate Trust Office of the Trustee is located or in the City of New York, accompanied by a written instrument of transfer in form satisfactory to the Company, the Trustee, and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of the same Class of authorized denominations evidencing the same aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons 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 the same Class of authorized denominations evidencing the same aggregate Percentage Interest as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Trustee and the Certificate Registrar and any agent of 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 Trustee, the Certificate Registrar nor any such agent shall be affected by any notice to the contrary. The obligations and responsibilities created by the Agreement, and the Trust Fund created thereby shall terminate upon payment to the Certificateholders, or provision therefor, in accordance with the Agreement following the earlier of (a) the repurchase by the Company of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to the sum of (x) 100% of the unpaid principal balance of each Mortgage Loan (other than a Mortgage Loan described in clause (y)) plus accrued and unpaid interest thereon at the rate provided for in the Agreement (less any amounts representing previously unreimbursed Monthly Advances) and (y) the appraised value of any property acquired in respect of a Mortgage Loan determined as provided in the Agreement, and (b) the later of the final payment or other liquidation (or any Monthly Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund and the disposition of all property acquired upon foreclosure or by deed in lieu of foreclosure of any Mortgage Loan. The right of the Company to repurchase all the Mortgage Loans and property in respect of Mortgage Loans is subject to the Pool Scheduled Principal Balance at the time of repurchase being less than 10 percent of the Pool Scheduled Principal Balance as of the Cut-off Date. The Company's exercise of such right will result in early retirement of the Certificates. Unless this Certificate has been countersigned by the Trustee, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed under its official seal. THE FIRST NATIONAL BANK OF CHICAGO, N.A., not in its individual capacity but solely as Trustee By:_________________________________ Name: Title: Date:_______________ ASSIGNMENT FOR VALUE RECEIVED the undersigned hereby sell(s), assign(s) and transfer(s) unto Please insert social security or other identifying number of assignee - ----------------------------------------------------------------- - ----------------------------------------------------------------- (Please print or typewrite name and address including postal zip code of assignee) - ----------------------------------------------------------------- this Certificate evidencing a Percentage Interest in certain distributions with respect to the Trust Fund and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of said Trust Fund. I (we) further direct the Certificate Registrar to issue a new Certificate of like Class and Percentage Interest, to the above named assignee and deliver such Certificate to the following address: - ----------------------------------------------------------------- - ----------------------------------------------------------------- - ----------------------------------------------------------------- Dated:----------------- - ------------------------------------- Signature by or on behalf of assignor - ----------------------- *Signature Guaranteed* *The signature hereon must be guaranteed by a bank, trust company or broker of the signatory who is a member of a signature guarantee medallion program. EXHIBIT B [Omitted] EXHIBIT C MORTGAGE LOANS Each Mortgage Loan shall be identified by loan number, address of the Mortgaged Property and name of the Mortgagor. The following details shall be set forth as to each Mortgage Loan: (i) the principal balance at the time of its origination, (ii) the Principal Balance as of the Cut-off Date, (iii) the interest rate borne by the Mortgage Note, (iv) the scheduled monthly level payment of principal and interest, (v) the loan-to-value ratio (and Combined Loan to Value Ratio, if applicable), (vi) the maturity date of the Mortgage Note and (vii) the Servicing Fee Rate for such Mortgage Loan. 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CITY ROCHESTER H STATE MI ZIP 483070000 MORT $30,000.00 BAL $29,875.70 RATE 10.5000 PAI $274.43 CLTV 76.712 MATURITY 120505 FEE 0.5000 LOAN 0000021768668 LAST_NAME PEARCE ADDRESS 5734 S. 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$119,000.00 BAL $118,877.48 RATE 9.4500 PAI $996.28 CLTV 85.000 MATURITY 120908 FEE 0.5000 LOAN 0000021801691 LAST_NAME LOGAN ADDRESS 203 IRIS STREET CITY LADSON STATE SC ZIP 294560000 MORT $35,000.00 BAL $34,835.41 RATE 10.6500 PAI $475.22 CLTV 79.114 MATURITY 71014 FEE 0.5000 LOAN 0000021802178 LAST_NAME MCCARTHY ADDRESS 133 CLOVERPORT CITY ROCHESTER H STATE MI ZIP 483070000 MORT $19,353.00 BAL $19,305.03 RATE 10.5000 PAI $193.22 CLTV 84.999 MATURITY 170929 FEE 0.5000 LOAN 0000021802475 LAST_NAME CROVO ADDRESS 2915 SW 102ND AVENUE CITY MIAMI STATE FL ZIP 331650000 MORT $18,500.00 BAL $18,408.69 RATE 9.8000 PAI $196.55 CLTV 70.809 MATURITY 120903 FEE 0.5000 LOAN 0000021803713 LAST_NAME DIXON ADDRESS 66 WATERLOO AVENUE CITY TOWN OF EAS STATE PA ZIP 193120000 MORT $22,000.00 BAL $21,902.66 RATE 11.7000 PAI $311.84 CLTV 74.826 MATURITY 70922 FEE 0.5000 LOAN 0000021803937 LAST_NAME HEISIG ADDRESS 306 CORNELIA AVENUE CITY LAKELAND STATE FL ZIP 338010000 MORT $5,850.00 BAL $5,794.25 RATE 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0000021819958 LAST_NAME O'DELL ADDRESS 189 MIMOSA AVENUE CITY HOMELAND STATE FL ZIP 338470000 MORT $83,300.00 BAL $83,221.12 RATE 9.7000 PAI $712.62 CLTV 85.000 MATURITY 270908 FEE 0.5000 LOAN 0000021819974 LAST_NAME VIERLING ADDRESS SEVERENCE RD #18 CITY COLCHESTER STATE VT ZIP 054460000 MORT $65,175.00 BAL $65,099.91 RATE 10.7000 PAI $605.95 CLTV 75.000 MATURITY 270901 FEE 0.5000 LOAN 0000021820048 LAST_NAME WINTERS ADDRESS 504 NORTH DAVIS CITY WALTON STATE IN ZIP 469940000 MORT $30,000.00 BAL $29,851.01 RATE 9.7000 PAI $391.49 CLTV 83.083 MATURITY 70929 FEE 0.5000 LOAN 0000021820238 LAST_NAME WADA ADDRESS 814 S. 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CITY INDIAN VALL STATE VA ZIP 241050000 MORT $53,900.00 BAL $53,465.91 RATE 9.7000 PAI $509.48 CLTV 89.833 MATURITY 170912 FEE 0.5000 LOAN 0000021825641 LAST_NAME HOFFMAN ADDRESS 5 BELL STREET CITY TOWN OF WES STATE ME ZIP 047870000 MORT $13,804.00 BAL $13,659.57 RATE 8.8500 PAI $173.75 CLTV 51.125 MATURITY 70919 FEE 0.5000 LOAN 0000021825740 LAST_NAME BANKS ADDRESS 3300 LEAHY STREET CITY MUSKEGON HE STATE MI ZIP 494440000 MORT $39,200.00 BAL $39,200.00 RATE 8.7000 PAI $306.99 CLTV 80.000 MATURITY 121101 FEE 0.5000 LOAN 0000021825765 LAST_NAME GORDEN ADDRESS 948 20TH AVENUE SOUTH CITY ST PETERSBU STATE FL ZIP 337050000 MORT $28,000.00 BAL $27,985.93 RATE 9.4000 PAI $233.40 CLTV 80.000 MATURITY 270930 FEE 0.5000 LOAN 0000021825922 LAST_NAME CRAWFORD ADDRESS 1904 OAK LEAF COURT CITY MOBILE STATE AL ZIP 366090000 MORT $117,000.00 BAL $116,909.58 RATE 10.6500 PAI $1,083.39 CLTV 90.000 MATURITY 270910 FEE 0.5000 LOAN 0000021826201 LAST_NAME BLACKSTON ADDRESS 1901 BOYKIN BLVD CITY MOBILE STATE AL ZIP 366050000 MORT $43,775.00 BAL $43,758.77 RATE 13.9500 PAI $516.95 CLTV 85.000 MATURITY 270904 FEE 0.5000 LOAN 0000021826326 LAST_NAME JONES ADDRESS 13415 DUCHIN ROAD CITY GERMANTOWN STATE MD ZIP 208740000 MORT $39,000.00 BAL $38,895.51 RATE 9.9000 PAI $373.78 CLTV 71.026 MATURITY 170903 FEE 0.5000 LOAN 0000021826409 LAST_NAME CAMP ADDRESS 304 SOUTH 51ST STREET CITY OMAHA STATE NE ZIP 681320000 MORT $63,800.00 BAL $63,369.25 RATE 10.8500 PAI $719.15 CLTV 79.938 MATURITY 120808 FEE 0.5000 LOAN 0000021826532 LAST_NAME MOORE ADDRESS 413 N 6TH STREET CITY ELDRIDGE STATE IA ZIP 527480000 MORT $64,000.00 BAL $63,672.03 RATE 9.5000 PAI $668.31 CLTV 80.000 MATURITY 120902 FEE 0.5000 LOAN 0000021826904 LAST_NAME REYES ADDRESS 199 ASHLAND PLACE CITY BROOKLYN STATE NY ZIP 112010000 MORT $35,500.00 BAL $35,084.05 RATE 9.9000 PAI $379.32 CLTV 79.856 MATURITY 120902 FEE 0.5000 LOAN 0000021826953 LAST_NAME WISDORF ADDRESS 5320 370TH STREET CITY NORTH BRANC STATE MN ZIP 550560000 MORT $75,000.00 BAL $74,846.44 RATE 10.7000 PAI $697.30 CLTV 72.815 MATURITY 120829 FEE 0.5000 LOAN 0000021827431 LAST_NAME PUIGH ADDRESS 2450 CALHOUN STREET CITY METAIRIE STATE LA ZIP 700010000 MORT $90,000.00 BAL $89,739.59 RATE 9.3000 PAI $827.20 CLTV 90.000 MATURITY 170908 FEE 0.5000 LOAN 0000021827597 LAST_NAME CHAPUT ADDRESS 75 LAKEWOOD DRIVE CITY HARWICH STATE MA ZIP 026450000 MORT $20,000.00 BAL $19,953.92 RATE 10.5000 PAI $221.08 CLTV 82.432 MATURITY 121008 FEE 0.5000 LOAN 0000021827720 LAST_NAME FARFALLA ADDRESS 3716 LINCOLN BLVD CITY OMAHA STATE NE ZIP 681310000 MORT $44,000.00 BAL $43,934.54 RATE 9.5000 PAI $369.98 CLTV 69.841 MATURITY 120819 FEE 0.5000 LOAN 0000021827852 LAST_NAME BERSCHEID ADDRESS 2743 CROWN POINT AVE CITY OMAHA STATE NE ZIP 681110000 MORT $20,000.00 BAL $19,035.87 RATE 10.7500 PAI $272.68 CLTV 66.666 MATURITY 70814 FEE 0.5000 LOAN 0000021827886 LAST_NAME HARRIS ADDRESS 8130 S. HERMITAGE AVE. CITY CHICAGO STATE IL ZIP 606200000 MORT $82,600.00 BAL $82,484.18 RATE 7.8000 PAI $594.62 CLTV 79.423 MATURITY 270916 FEE 0.5000 LOAN 0000021827928 LAST_NAME BLOH ADDRESS 5573 PINEBROOK LANE CITY WINSTON-SAL STATE NC ZIP 271050000 MORT $99,500.00 BAL $98,229.86 RATE 8.7000 PAI $991.52 CLTV 60.303 MATURITY 120926 FEE 0.5000 LOAN 0000021827977 LAST_NAME CHANEY ADDRESS 611 RACOON DR. CITY WINCHESTER STATE VA ZIP 226020000 MORT $64,800.00 BAL $64,725.93 RATE 8.8000 PAI $512.10 CLTV 80.000 MATURITY 270911 FEE 0.5000 LOAN 0000021828058 LAST_NAME VIBAR ADDRESS 604 MAPLE RIDGE LANE CITY VIRGINIA BE STATE VA ZIP 234520000 MORT $14,000.00 BAL $13,935.20 RATE 10.5000 PAI $154.76 CLTV 74.997 MATURITY 120830 FEE 0.5000 LOAN 0000021828140 LAST_NAME SZUBERLA ADDRESS 550 CORTLAND DRIVE CITY LAKE ZURICH STATE IL ZIP 600470000 MORT $21,000.00 BAL $20,948.16 RATE 9.7500 PAI $222.47 CLTV 58.121 MATURITY 121008 FEE 0.5000 LOAN 0000021828207 LAST_NAME MEYERS ADDRESS 3012 POKAGON DRIVE CITY LAFAYETTE STATE IN ZIP 479050000 MORT $68,400.00 BAL $68,081.96 RATE 10.4500 PAI $753.98 CLTV 90.000 MATURITY 120910 FEE 0.5000 LOAN 0000021828264 LAST_NAME RIDENOUR ADDRESS 125 E. ALBANY STREET CITY INDIANAPOLI STATE IN ZIP 462250000 MORT $65,250.00 BAL $65,187.55 RATE 9.6500 PAI $555.82 CLTV 90.000 MATURITY 270919 FEE 0.5000 LOAN 0000021828306 LAST_NAME WHITSON ADDRESS 618 NAHATAN ST CITY NORWOOD STATE MA ZIP 020620000 MORT $65,000.00 BAL $64,642.61 RATE 8.6000 PAI $643.89 CLTV 34.210 MATURITY 120915 FEE 0.5000 LOAN 0000021828504 LAST_NAME GLENNY ADDRESS 405 VERONICA AVENUE CITY SPARKS STATE NV ZIP 894360000 MORT $24,950.00 BAL $24,711.57 RATE 10.4500 PAI $335.97 CLTV 82.562 MATURITY 70908 FEE 0.5000 LOAN 0000021828744 LAST_NAME ABEL ADDRESS 114 ST ANN STREET CITY PARISH OF P STATE LA ZIP 700370000 MORT $17,000.00 BAL $17,000.00 RATE 10.5000 PAI $229.39 CLTV 84.275 MATURITY 71021 FEE 0.5000 LOAN 0000021828819 LAST_NAME CALDWELL ADDRESS 3831 DECATUR STREET CITY OMAHA STATE NE ZIP 681110000 MORT $25,500.00 BAL $25,483.30 RATE 11.5500 PAI $253.50 CLTV 85.000 MATURITY 120902 FEE 0.5000 LOAN 0000021828876 LAST_NAME MOORE ADDRESS 210 RED HILL ROAD CITY ORANGE STATE VA ZIP 229600000 MORT $34,000.00 BAL $33,844.08 RATE 10.6000 PAI $377.95 CLTV 82.523 MATURITY 121001 FEE 0.5000 LOAN 0000021828967 LAST_NAME CONNELLY ADDRESS 183 MAIN STREET CITY YARMOUTHPOR STATE MA ZIP 026750000 MORT $30,000.00 BAL $29,920.65 RATE 10.0000 PAI $289.51 CLTV 69.036 MATURITY 170904 FEE 0.5000 LOAN 0000021828975 LAST_NAME TERRY ADDRESS 105 WHITEHALL ROAD CITY SUMMERVILLE STATE SC ZIP 294850000 MORT $20,000.00 BAL $19,909.55 RATE 10.7500 PAI $224.19 CLTV 83.788 MATURITY 120829 FEE 0.5000 LOAN 0000021829080 LAST_NAME MATUSIAK ADDRESS 56 YOUNG AVENUE CITY NEW YORK MI STATE NY ZIP 134170000 MORT $52,000.00 BAL $51,934.57 RATE 10.3500 PAI $513.93 CLTV 62.650 MATURITY 171006 FEE 0.5000 LOAN 0000021829148 LAST_NAME SHAW ADDRESS 8308 KNIGHTS BRIDGE ROAD CITY CHARLOTTE STATE NC ZIP 282100000 MORT $58,000.00 BAL $57,683.92 RATE 8.7000 PAI $577.97 CLTV 72.500 MATURITY 120916 FEE 0.5000 LOAN 0000021829445 LAST_NAME HENDRICKS ADDRESS 850-D OAKRIDGE ROAD CITY ST AUGUSTIN STATE FL ZIP 320860000 MORT $76,000.00 BAL $75,799.15 RATE 9.0000 PAI $770.85 CLTV 80.000 MATURITY 120916 FEE 0.5000 LOAN 0000021829551 LAST_NAME KORTE ADDRESS 1420 SOUTHWAY DRIVE CITY SALEM STATE IN ZIP 471670000 MORT $49,300.00 BAL $49,178.61 RATE 10.5500 PAI $493.86 CLTV 85.000 MATURITY 170922 FEE 0.5000 LOAN 0000021829650 LAST_NAME GONZALEZ ADDRESS 3009 CHRISTINE STREET CITY PENSACOLA STATE FL ZIP 325060000 MORT $44,000.00 BAL $43,763.41 RATE 8.8500 PAI $442.36 CLTV 67.692 MATURITY 120908 FEE 0.5000 LOAN 0000021830104 LAST_NAME SMITH ADDRESS 105 TRAILWOOD COURT CITY BALDWIN TOW STATE NC ZIP 275160000 MORT $20,000.00 BAL $19,720.54 RATE 9.6500 PAI $210.66 CLTV 62.567 MATURITY 120917 FEE 0.5000 LOAN 0000021830617 LAST_NAME MURPHY ADDRESS 18192 W. SPRING LAKE ROAD CITY SPRING LAKE STATE MI ZIP 494560000 MORT $31,200.00 BAL $31,124.02 RATE 9.9000 PAI $333.38 CLTV 79.961 MATURITY 120904 FEE 0.5000 LOAN 0000021830799 LAST_NAME JONES ADDRESS 1321 SE VALLEY PLACE CITY WASHINGTON STATE DC ZIP 200200000 MORT $40,000.00 BAL $40,000.00 RATE 9.2000 PAI $410.48 CLTV 39.603 MATURITY 121124 FEE 0.5000 LOAN 0000021830815 LAST_NAME MAHER ADDRESS 4257 WILSON ROAD CITY TABERG STATE NY ZIP 134710000 MORT $62,400.00 BAL $62,074.86 RATE 9.2000 PAI $640.35 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021830823 LAST_NAME BECK ADDRESS 648 W. 16TH STREET CITY MCMINNVILLE STATE OR ZIP 971280000 MORT $35,000.00 BAL $34,825.13 RATE 9.7000 PAI $369.72 CLTV 64.147 MATURITY 120915 FEE 0.5000 LOAN 0000021830856 LAST_NAME ROSS ADDRESS 5906 S. DENVER AVENUE CITY LOS ANGELES STATE CA ZIP 900440000 MORT $15,000.00 BAL $14,925.96 RATE 9.8000 PAI $159.37 CLTV 64.702 MATURITY 120919 FEE 0.5000 LOAN 0000021831342 LAST_NAME HATHCOCK ADDRESS 2148 S HWY 341 CITY CHICKAMAUGA STATE GA ZIP 307070000 MORT $35,000.00 BAL $34,550.56 RATE 9.4900 PAI $365.27 CLTV 63.636 MATURITY 120623 FEE 0.5000 LOAN 0000021831441 LAST_NAME AUSLENDER ADDRESS 7 OREMS LANE CITY WILTON STATE CT ZIP 068970000 MORT $135,000.00 BAL $134,270.84 RATE 8.8000 PAI $1,353.25 CLTV 54.000 MATURITY 120909 FEE 0.5000 LOAN 0000021831474 LAST_NAME CARRENO ADDRESS 706 SOUTHWIND DRIVE CITY VILLAGE OF STATE IL ZIP 601100000 MORT $14,400.00 BAL $14,113.80 RATE 9.6500 PAI $151.68 CLTV 73.445 MATURITY 121008 FEE 0.5000 LOAN 0000021831623 LAST_NAME TRIPLETT ADDRESS 908 N HOMAN CITY CHICAGO STATE IL ZIP 606510000 MORT $100,000.00 BAL $99,617.04 RATE 9.0000 PAI $804.63 CLTV 80.000 MATURITY 270904 FEE 0.5000 LOAN 0000021832282 LAST_NAME JIRON ADDRESS 311 S FOX CITY TATUM STATE NM ZIP 882670000 MORT $54,000.00 BAL $53,976.11 RATE 10.0000 PAI $473.89 CLTV 88.669 MATURITY 121016 FEE 0.5000 LOAN 0000021832365 LAST_NAME MELTON ADDRESS 7206 FAIRBANKS ROAD CITY HIXSON STATE TN ZIP 373430000 MORT $16,000.00 BAL $15,840.88 RATE 9.7500 PAI $209.24 CLTV 65.534 MATURITY 70926 FEE 0.5000 LOAN 0000021832373 LAST_NAME ELLIS ADDRESS I RT BOX 205 CITY MACCLESFIEL STATE NC ZIP 278520000 MORT $23,505.00 BAL $23,199.85 RATE 9.8000 PAI $497.11 CLTV 79.999 MATURITY 21008 FEE 0.5000 LOAN 0000021832381 LAST_NAME HANKE ADDRESS 1401 BUSH AVENUE CITY ARTESIA STATE NM ZIP 882100000 MORT $41,680.00 BAL $41,383.84 RATE 10.1500 PAI $451.73 CLTV 80.000 MATURITY 120917 FEE 0.5000 LOAN 0000021832555 LAST_NAME SIMMS ADDRESS 6536 NORTH MAIN STREET CITY DAVENPORT STATE IA ZIP 528060000 MORT $36,400.00 BAL $36,198.05 RATE 8.5000 PAI $358.45 CLTV 80.000 MATURITY 120908 FEE 0.5000 LOAN 0000021832563 LAST_NAME BURNS ADDRESS 2212 S. EVANSTON AVENUE CITY TULSA STATE OK ZIP 741140000 MORT $18,500.00 BAL $18,223.65 RATE 9.7500 PAI $241.93 CLTV 36.715 MATURITY 70915 FEE 0.5000 LOAN 0000021832753 LAST_NAME RENO ADDRESS 78 STARLIGHT DRIVE CITY WAYNESVILLE STATE NC ZIP 287860000 MORT $30,000.00 BAL $29,850.58 RATE 9.6500 PAI $390.67 CLTV 65.243 MATURITY 71021 FEE 0.5000 LOAN 0000021833025 LAST_NAME ANDREWS ADDRESS 1473 TAFT ROAD CITY CITY OF CHE STATE VA ZIP 233220000 MORT $18,500.00 BAL $18,259.51 RATE 9.7500 PAI $390.80 CLTV 57.602 MATURITY 20929 FEE 0.5000 LOAN 0000021833066 LAST_NAME VILLEGAS ADDRESS 4515 N TROY CITY CHICAGO STATE IL ZIP 606250000 MORT $100,000.00 BAL $98,545.84 RATE 9.5500 PAI $1,296.72 CLTV 54.644 MATURITY 71017 FEE 0.5000 LOAN 0000021833173 LAST_NAME GAINES ADDRESS 7380 MAUL DRIVE CITY MCCALLA STATE AL ZIP 351110000 MORT $22,327.00 BAL $21,903.95 RATE 9.8000 PAI $292.59 CLTV 79.999 MATURITY 70908 FEE 0.5000 LOAN 0000021833181 LAST_NAME MAYO ADDRESS RR1 BOX 120 CITY COWDEN STATE IL ZIP 624220000 MORT $13,600.00 BAL $13,242.97 RATE 8.7000 PAI $216.75 CLTV 80.000 MATURITY 40829 FEE 0.5000 LOAN 0000021833322 LAST_NAME WHITE ADDRESS 1103 WILLIAMSBURG CITY COUNTRY CLU STATE IL ZIP 604780000 MORT $60,000.00 BAL $59,950.53 RATE 10.3500 PAI $542.13 CLTV 86.956 MATURITY 120908 FEE 0.5000 LOAN 0000021833421 LAST_NAME HOUSTON ADDRESS 6433 S WINCHESTER AVE CITY CHICAGO STATE IL ZIP 606360000 MORT $73,000.00 BAL $72,901.33 RATE 8.1000 PAI $540.75 CLTV 76.842 MATURITY 270909 FEE 0.5000 LOAN 0000021833652 LAST_NAME ATCHERSON ADDRESS 502 N 42ND CITY ARTESIA STATE NM ZIP 882100000 MORT $15,000.00 BAL $14,822.34 RATE 9.0500 PAI $190.42 CLTV 40.000 MATURITY 71001 FEE 0.5000 LOAN 0000021833702 LAST_NAME EVANS ADDRESS 202 NEWBERN DRIVE CITY KNOTTS ISLA STATE NC ZIP 279500000 MORT $30,280.00 BAL $30,129.20 RATE 9.7000 PAI $319.86 CLTV 79.684 MATURITY 120917 FEE 0.5000 LOAN 0000021833876 LAST_NAME RAMIREZ ADDRESS 404 SHERWOOD DRIVE CITY STREAMWOOD STATE IL ZIP 601070000 MORT $20,000.00 BAL $19,505.81 RATE 11.8500 PAI $443.38 CLTV 71.467 MATURITY 20908 FEE 0.5000 LOAN 0000021833942 LAST_NAME GRANT ADDRESS 4504 N. GARDEN AVENUE CITY FRESNO STATE CA ZIP 937260000 MORT $15,199.00 BAL $15,129.29 RATE 10.6000 PAI $168.96 CLTV 80.000 MATURITY 120924 FEE 0.5000 LOAN 0000021834072 LAST_NAME DOVE ADDRESS 408 W HENDRICKS CITY ROSWELL STATE NM ZIP 882010000 MORT $25,900.00 BAL $25,887.52 RATE 9.6000 PAI $219.68 CLTV 68.157 MATURITY 271010 FEE 0.5000 LOAN 0000021834197 LAST_NAME CAPORALE ADDRESS 5 MILL COURT CITY CORTLANDT M STATE NY ZIP 105660000 MORT $200,000.00 BAL $199,711.74 RATE 9.6500 PAI $1,703.65 CLTV 80.000 MATURITY 270908 FEE 0.5000 LOAN 0000021834379 LAST_NAME MCCUE, III ADDRESS 15499 WATER TOWER ROAD CITY BUFFALO STATE IL ZIP 625150000 MORT $120,000.00 BAL $119,813.37 RATE 8.7000 PAI $1,056.63 CLTV 75.000 MATURITY 171016 FEE 0.5000 LOAN 0000021834494 LAST_NAME SHULTZ ADDRESS 125 CLAPSADDLE ROAD CITY MT. JOY TOW STATE PA ZIP 173250000 MORT $82,800.00 BAL $82,800.00 RATE 9.9500 PAI $723.58 CLTV 90.000 MATURITY 271006 FEE 0.5000 LOAN 0000021834544 LAST_NAME BROTHERTON ADDRESS 234 WILLOW WOOD DR CITY CHIPPEWA LA STATE OH ZIP 442150000 MORT $100,000.00 BAL $99,714.06 RATE 8.8500 PAI $793.85 CLTV 80.000 MATURITY 270522 FEE 0.5000 LOAN 0000021834551 LAST_NAME LEVANGIE, JR ADDRESS 19 RUSH ROAD CITY WENDELL STATE MA ZIP 013790000 MORT $106,000.00 BAL $105,944.47 RATE 9.2000 PAI $868.20 CLTV 67.948 MATURITY 121020 FEE 0.5000 LOAN 0000021834593 LAST_NAME REILLY ADDRESS 12810 AGNES CITY SOUTHGATE STATE MI ZIP 481950000 MORT $17,300.00 BAL $17,131.80 RATE 10.2500 PAI $231.03 CLTV 69.690 MATURITY 70911 FEE 0.5000 LOAN 0000021834643 LAST_NAME JOHNSON ADDRESS 3054 M STREET SE CITY WASHINGTON STATE DC ZIP 200190000 MORT $84,000.00 BAL $83,938.31 RATE 10.9900 PAI $799.32 CLTV 76.363 MATURITY 120822 FEE 0.5000 LOAN 0000021834759 LAST_NAME KNOX ADDRESS 901 NW 34TH AVENUE CITY FT. LAUDERD STATE FL ZIP 333110000 MORT $28,000.00 BAL $27,862.44 RATE 9.8500 PAI $298.33 CLTV 63.718 MATURITY 120924 FEE 0.5000 LOAN 0000021834882 LAST_NAME BAKER ADDRESS 2970 EAST PORTER STREET CITY INVERNESS STATE FL ZIP 344500000 MORT $24,000.00 BAL $22,038.17 RATE 8.6500 PAI $494.13 CLTV 58.536 MATURITY 20502 FEE 0.5000 LOAN 0000021834908 LAST_NAME OAKES ADDRESS 15729 S MACKSBURG ROAD CITY MOLALLA STATE OR ZIP 970380000 MORT $12,000.00 BAL $11,969.96 RATE 9.6000 PAI $126.04 CLTV 40.540 MATURITY 121015 FEE 0.5000 LOAN 0000021834932 LAST_NAME EVERETT ADDRESS 6661 CIELTO WAY CITY SAN JOSE STATE CA ZIP 951190000 MORT $220,000.00 BAL $218,303.98 RATE 9.1500 PAI $1,793.97 CLTV 78.571 MATURITY 120901 FEE 0.5000 LOAN 0000021835137 LAST_NAME KIRKLAND ADDRESS 221 WEST COTTAGE PLACE CITY YORK STATE PA ZIP 174030000 MORT $51,000.00 BAL $50,669.74 RATE 8.7000 PAI $449.07 CLTV 63.750 MATURITY 170915 FEE 0.5000 LOAN 0000021835228 LAST_NAME MONACO ADDRESS 33 GOLLER PLACE CITY STATEN ISLA STATE NY ZIP 103140000 MORT $176,000.00 BAL $175,700.23 RATE 8.8500 PAI $1,397.19 CLTV 78.222 MATURITY 270909 FEE 0.5000 LOAN 0000021835251 LAST_NAME DRILLINGS ADDRESS 2315 HUNTERS BLUFF DRIVE CITY MATTHEWS STATE NC ZIP 281050000 MORT $30,000.00 BAL $19,659.75 RATE 9.6500 PAI $390.67 CLTV 66.728 MATURITY 70903 FEE 0.5000 LOAN 0000021835343 LAST_NAME JOHNSON ADDRESS 39 OLD GOVERNORS PLACE CITY ST. CHARLES STATE MO ZIP 633010000 MORT $331,000.00 BAL $330,486.61 RATE 9.3000 PAI $2,735.06 CLTV 77.882 MATURITY 120901 FEE 0.5000 LOAN 0000021835541 LAST_NAME MCGREGOR ADDRESS 205 MAPLE WAY CITY BOULDER CRE STATE CA ZIP 950060000 MORT $25,000.00 BAL $24,937.71 RATE 9.6500 PAI $263.33 CLTV 63.309 MATURITY 121008 FEE 0.5000 LOAN 0000021835640 LAST_NAME MELGAR ADDRESS 2944 OAKWOOD AVENUE CITY LYNWOOD STATE CA ZIP 902620000 MORT $12,000.00 BAL $11,686.73 RATE 9.7500 PAI $253.50 CLTV 71.014 MATURITY 20924 FEE 0.5000 LOAN 0000021836002 LAST_NAME GONZALEZ ADDRESS 206 N TAYLOR ROAD CITY SEFFNER STATE FL ZIP 335840000 MORT $96,000.00 BAL $95,713.95 RATE 8.6500 PAI $748.39 CLTV 79.338 MATURITY 270519 FEE 0.5000 LOAN 0000021836044 LAST_NAME BYRD ADDRESS 912 SE 1ST STREET CITY HAVANA STATE FL ZIP 323330000 MORT $67,200.00 BAL $66,080.38 RATE 8.6500 PAI $667.67 CLTV 80.000 MATURITY 120514 FEE 0.5000 LOAN 0000021836473 LAST_NAME BASCOMBE ADDRESS 445 EASTERN PARKWAY CITY BROOKLYN STATE NY ZIP 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$14,866.91 RATE 10.7000 PAI $167.68 CLTV 74.840 MATURITY 120910 FEE 0.5000 LOAN 0000021837174 LAST_NAME WILSHUSEN ADDRESS 118 MOBREY LANE CITY SMITHTOWN STATE NY ZIP 117870000 MORT $65,500.00 BAL $65,172.33 RATE 9.6500 PAI $689.91 CLTV 66.077 MATURITY 120919 FEE 0.5000 LOAN 0000021837190 LAST_NAME GODDARD ADDRESS 430 GLENHAVEN CITY LINCOLN STATE NE ZIP 685050000 MORT $70,000.00 BAL $69,789.59 RATE 9.0000 PAI $629.81 CLTV 77.777 MATURITY 170910 FEE 0.5000 LOAN 0000021837224 LAST_NAME FLEISCHER ADDRESS 4408 WEST 4385 SOUTH CITY WEST VALLEY STATE UT ZIP 841200000 MORT $91,800.00 BAL $91,706.43 RATE 9.3500 PAI $761.88 CLTV 85.000 MATURITY 270908 FEE 0.5000 LOAN 0000021837257 LAST_NAME COOPER ADDRESS 150 FLORA COURT CITY FREDERICK STATE CO ZIP 805300000 MORT $72,900.00 BAL $72,871.03 RATE 10.5000 PAI $666.85 CLTV 90.000 MATURITY 271008 FEE 0.5000 LOAN 0000021837489 LAST_NAME BELL ADDRESS 4809 S. 10TH AVENUE CITY TAMPA STATE FL ZIP 336190000 MORT $36,000.00 BAL $35,950.71 RATE 9.7000 PAI $340.29 CLTV 90.000 MATURITY 171022 FEE 0.5000 LOAN 0000021837505 LAST_NAME MCCOMB ADDRESS 23211 COLUMBUS STREET CITY WARREN STATE MI ZIP 480890000 MORT $36,900.00 BAL $36,790.77 RATE 9.2000 PAI $336.77 CLTV 90.000 MATURITY 170902 FEE 0.5000 LOAN 0000021837562 LAST_NAME HAESSLER ADDRESS 21493 277TH AVENUE CITY LECLAIRE STATE IA ZIP 527530000 MORT $46,000.00 BAL $45,951.09 RATE 9.1500 PAI $375.11 CLTV 70.229 MATURITY 270902 FEE 0.5000 LOAN 0000021837745 LAST_NAME RIGGS ADDRESS 804 SWEETBRIAR DRIVE CITY ALEXANDRIA STATE LA ZIP 713010000 MORT $37,600.00 BAL $37,411.90 RATE 9.6500 PAI $396.04 CLTV 79.995 MATURITY 120917 FEE 0.5000 LOAN 0000021837794 LAST_NAME COOPER ADDRESS 425 RODNEY DRIVE CITY SUMTER STATE SC ZIP 291500000 MORT $35,100.00 BAL $34,775.21 RATE 10.6000 PAI $390.18 CLTV 90.000 MATURITY 120801 FEE 0.5000 LOAN 0000021837810 LAST_NAME HUNT ADDRESS 3151 BROGDEN ROAD CITY STEM STATE NC ZIP 275810000 MORT $89,600.00 BAL $89,486.12 RATE 8.4000 PAI $682.61 CLTV 80.000 MATURITY 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0.5000 LOAN 0000021838859 LAST_NAME SCHOONOVER ADDRESS 4440 OCEAN BEACH HIGHWAY CITY LONGVIEW STATE WA ZIP 986320000 MORT $25,000.00 BAL $24,965.55 RATE 9.6500 PAI $235.49 CLTV 75.363 MATURITY 170930 FEE 0.5000 LOAN 0000021838875 LAST_NAME MCCUNE ADDRESS 904 SE HAILEY CITY PENDLETON STATE OR ZIP 978010000 MORT $66,600.00 BAL $66,402.63 RATE 9.2000 PAI $607.82 CLTV 90.000 MATURITY 170910 FEE 0.5000 LOAN 0000021838883 LAST_NAME FRANKS ADDRESS 1117 S ASHER CITY HOBBS STATE NM ZIP 882400000 MORT $32,400.00 BAL $32,314.30 RATE 10.0000 PAI $312.67 CLTV 90.000 MATURITY 170902 FEE 0.5000 LOAN 0000021838925 LAST_NAME SPILA ADDRESS 13510 SOUTH AVENUE K CITY CHICAGO STATE IL ZIP 606330000 MORT $10,000.00 BAL $9,950.05 RATE 9.6000 PAI $129.95 CLTV 78.836 MATURITY 71028 FEE 0.5000 LOAN 0000021839014 LAST_NAME DZIADEK ADDRESS 106 SUNSET AVENUE CITY SOUTH HADLE STATE MA ZIP 010750000 MORT $15,720.00 BAL $15,314.71 RATE 10.4000 PAI $337.11 CLTV 85.000 MATURITY 20922 FEE 0.5000 LOAN 0000021839147 LAST_NAME ROJAS JR. ADDRESS 8 FREDERICK DRIVE CITY APALACHIN STATE NY ZIP 137320000 MORT $62,400.00 BAL $62,365.55 RATE 8.9500 PAI $499.85 CLTV 80.000 MATURITY 271001 FEE 0.5000 LOAN 0000021839170 LAST_NAME STONE ADDRESS 1707 LOCKLEAR STREET CITY MOUNT AIRY STATE NC ZIP 270300000 MORT $72,250.00 BAL $72,055.59 RATE 8.8000 PAI $724.24 CLTV 85.000 MATURITY 121014 FEE 0.5000 LOAN 0000021839295 LAST_NAME JEROME ADDRESS 4 HOLLOW COURT CITY WESTBURY STATE NY ZIP 115900000 MORT $33,000.00 BAL $32,840.25 RATE 10.7500 PAI $335.03 CLTV 76.956 MATURITY 170709 FEE 0.5000 LOAN 0000021839352 LAST_NAME JARRETT ADDRESS 501 PUTNEY STREET CITY FARMVILLE STATE VA ZIP 239010000 MORT $15,000.00 BAL $14,924.95 RATE 9.6500 PAI $158.00 CLTV 79.009 MATURITY 120917 FEE 0.5000 LOAN 0000021839360 LAST_NAME BALTAR ADDRESS 1223 TAYLOR AVE CITY BRONX STATE NY ZIP 104720000 MORT $146,400.00 BAL $146,108.53 RATE 9.5000 PAI $1,231.01 CLTV 80.000 MATURITY 120714 FEE 0.5000 LOAN 0000021839394 LAST_NAME GREY ADDRESS 832 SHERMAN PARKWAY CITY TOWN OF NEW STATE CT ZIP 065110000 MORT $14,700.00 BAL $14,631.96 RATE 10.5000 PAI $162.50 CLTV 84.768 MATURITY 120926 FEE 0.5000 LOAN 0000021839410 LAST_NAME WHITFIELD ADDRESS 526 W 6TH STREET CITY PLAINFIELD STATE NJ ZIP 070600000 MORT $66,500.00 BAL $66,243.52 RATE 10.2500 PAI $652.79 CLTV 70.000 MATURITY 170710 FEE 0.5000 LOAN 0000021839568 LAST_NAME COOPER ADDRESS 1136 N. MAYFIELD AVENUE CITY CHICAGO STATE IL ZIP 606510000 MORT $12,850.00 BAL $12,518.89 RATE 10.2500 PAI $274.61 CLTV 69.872 MATURITY 20905 FEE 0.5000 LOAN 0000021839667 LAST_NAME SIMON ADDRESS 230 MATSON FORD ROAD CITY TOWNSHIP OF STATE PA ZIP 190870000 MORT $24,810.00 BAL $24,562.71 RATE 9.7500 PAI $324.45 CLTV 78.610 MATURITY 70929 FEE 0.5000 LOAN 0000021839741 LAST_NAME YOUNG ADDRESS 4618 BACKVALLEY ROAD CITY EVENSVILLE STATE TN ZIP 373320000 MORT $10,400.00 BAL $10,347.95 RATE 9.6500 PAI $109.55 CLTV 70.668 MATURITY 120904 FEE 0.5000 LOAN 0000021840020 LAST_NAME ADDORISIO ADDRESS 2 WASELCHUK DR. CITY PEABODY STATE MA ZIP 019600000 MORT $25,000.00 BAL $24,933.33 RATE 8.9000 PAI $252.08 CLTV 64.161 MATURITY 120909 FEE 0.5000 LOAN 0000021840053 LAST_NAME JONES ADDRESS 950 MCGLAMERY RD CITY WILKESBORO STATE NC ZIP 286970000 MORT $53,800.00 BAL $53,636.23 RATE 8.9000 PAI $480.60 CLTV 74.309 MATURITY 170903 FEE 0.5000 LOAN 0000021840103 LAST_NAME GOANS ADDRESS 5516 SEESAW ROAD CITY NASHVILLE STATE TN ZIP 372110000 MORT $14,600.00 BAL $14,528.59 RATE 9.9000 PAI $156.01 CLTV 79.981 MATURITY 120908 FEE 0.5000 LOAN 0000021840251 LAST_NAME LEWIS ADDRESS 6008 MADISON STREET CITY RIVERDALE STATE MD ZIP 207370000 MORT $16,550.00 BAL $16,385.87 RATE 9.8000 PAI $216.89 CLTV 79.995 MATURITY 70917 FEE 0.5000 LOAN 0000021840319 LAST_NAME POLINO ADDRESS 22 MAPLE AVENUE CITY WALKERSVILL STATE MD ZIP 217930000 MORT $20,000.00 BAL $19,899.94 RATE 9.6500 PAI $210.66 CLTV 71.445 MATURITY 120924 FEE 0.5000 LOAN 0000021840327 LAST_NAME BEARD ADDRESS 301 S MISSOURI CITY TOLEDO STATE IL ZIP 624680000 MORT $40,800.00 BAL $40,800.00 RATE 10.0500 PAI $439.69 CLTV 85.000 MATURITY 121125 FEE 0.5000 LOAN 0000021840517 LAST_NAME MADSEN ADDRESS 516 NW 5TH STREET CITY PENDLETON STATE OR ZIP 978010000 MORT $72,000.00 BAL $71,813.13 RATE 9.2000 PAI $738.87 CLTV 90.000 MATURITY 120929 FEE 0.5000 LOAN 0000021840525 LAST_NAME ORR ADDRESS 165 ROSWELL DR CITY MILPITAS STATE CA ZIP 950350000 MORT $85,000.00 BAL $84,922.44 RATE 9.8750 PAI $738.10 CLTV 47.222 MATURITY 120901 FEE 0.5000 LOAN 0000021840533 LAST_NAME O'LINC ADDRESS 1969 EAST STATE STREET CITY HERMITAGE STATE PA ZIP 161480000 MORT $56,000.00 BAL $55,797.28 RATE 8.5500 PAI $487.76 CLTV 76.712 MATURITY 170903 FEE 0.5000 LOAN 0000021840558 LAST_NAME HIGGINS ADDRESS 276 BAY 14TH STREET CITY BROOKLYN STATE NY ZIP 112140000 MORT $45,000.00 BAL $44,492.80 RATE 9.9000 PAI $480.83 CLTV 82.751 MATURITY 120716 FEE 0.5000 LOAN 0000021840657 LAST_NAME SANCHEZ ADDRESS 14471 SW 295 ST CITY MIAMI STATE FL ZIP 330330000 MORT $27,000.00 BAL $26,811.74 RATE 10.5000 PAI $298.46 CLTV 69.733 MATURITY 120902 FEE 0.5000 LOAN 0000021840681 LAST_NAME CAIN ADDRESS 2857 MOONLIGHT BAY LANE CITY LAS VEGAS STATE NV ZIP 891280000 MORT $19,000.00 BAL $18,909.18 RATE 10.1500 PAI $205.93 CLTV 65.166 MATURITY 120902 FEE 0.5000 LOAN 0000021840715 LAST_NAME BURIN ADDRESS 4116 N WALNUT AVE CITY ARLINGTON H STATE IL ZIP 600040000 MORT $288,000.00 BAL $286,344.55 RATE 8.1000 PAI $2,768.94 CLTV 80.000 MATURITY 120903 FEE 0.5000 LOAN 0000021840798 LAST_NAME MONAST ADDRESS 15 KINGS HIGHWAY CITY ROCHESTER STATE MA ZIP 025760000 MORT $72,000.00 BAL $71,905.67 RATE 10.1000 PAI $637.18 CLTV 80.000 MATURITY 270818 FEE 0.5000 LOAN 0000021840822 LAST_NAME FINK ADDRESS 32021 WHITMAN LAKE DRIVE CITY GRAHAM STATE WA ZIP 983380000 MORT $47,000.00 BAL $46,927.96 RATE 9.6500 PAI $442.72 CLTV 79.371 MATURITY 171020 FEE 0.5000 LOAN 0000021840921 LAST_NAME RYAN ADDRESS 229 23RD AVENUE SOUTHWEST CITY LARGO STATE FL ZIP 337780000 MORT $69,600.00 BAL $69,378.04 RATE 8.9000 PAI $621.75 CLTV 80.000 MATURITY 170902 FEE 0.5000 LOAN 0000021840947 LAST_NAME DEMIS ADDRESS 101 DYLAN SCOTT DRIVE CITY TRINITY STATE NC ZIP 273700000 MORT $13,500.00 BAL $13,500.00 RATE 10.4000 PAI $148.40 CLTV 84.237 MATURITY 121105 FEE 0.5000 LOAN 0000021840954 LAST_NAME BABINEAU ADDRESS 247 BACON STREET CITY WALTHAM STATE MA ZIP 021540000 MORT $17,200.00 BAL $17,112.77 RATE 9.5000 PAI $179.61 CLTV 21.067 MATURITY 120902 FEE 0.5000 LOAN 0000021841002 LAST_NAME BURK ADDRESS 7342 MARKAL DRIVE CITY MIDDLEBURG STATE OH ZIP 441300000 MORT $30,264.00 BAL $30,112.60 RATE 9.6500 PAI $318.77 CLTV 75.990 MATURITY 120904 FEE 0.5000 LOAN 0000021841028 LAST_NAME CLARK ADDRESS 230 SW 29 AVENUE CITY FT LAUDERDA STATE FL ZIP 333120000 MORT $45,000.00 BAL $44,955.54 RATE 9.5000 PAI $378.39 CLTV 75.317 MATURITY 270904 FEE 0.5000 LOAN 0000021841077 LAST_NAME HOBSON ADDRESS 1601 PROVIDENCE DRIVE CITY CHARLOTTE STATE NC ZIP 282110000 MORT $116,000.00 BAL $115,316.55 RATE 8.1000 PAI $1,115.27 CLTV 54.460 MATURITY 120919 FEE 0.5000 LOAN 0000021841275 LAST_NAME ZDANOWICZ ADDRESS 47 ANSIE ROAD CITY CHELMSFORD STATE MA ZIP 018240000 MORT $30,000.00 BAL $29,930.88 RATE 10.5000 PAI $331.62 CLTV 57.197 MATURITY 121021 FEE 0.5000 LOAN 0000021841366 LAST_NAME WADDELL ADDRESS 14 POPLAR STREET CITY VILLAGE OF STATE NY ZIP 109900000 MORT $110,500.00 BAL $110,325.96 RATE 8.6000 PAI $965.96 CLTV 85.000 MATURITY 171027 FEE 0.5000 LOAN 0000021841374 LAST_NAME CALDER ADDRESS 4311 SW 32 DRIVE CITY HOLLYWOOD STATE FL ZIP 330230000 MORT $29,500.00 BAL $29,342.08 RATE 8.9000 PAI $297.46 CLTV 43.382 MATURITY 120908 FEE 0.5000 LOAN 0000021841382 LAST_NAME DAVIS ADDRESS 20131 GILBERT DRIVE CITY CANYON COUN STATE CA ZIP 913510000 MORT $40,000.00 BAL $40,000.00 RATE 9.5500 PAI $518.69 CLTV 60.070 MATURITY 71104 FEE 0.5000 LOAN 0000021841424 LAST_NAME WILBANKS ADDRESS 9167 DOVER ST CITY BROOMFIELD STATE CO ZIP 800210000 MORT $50,000.00 BAL $49,904.97 RATE 9.7000 PAI $472.62 CLTV 54.056 MATURITY 171006 FEE 0.5000 LOAN 0000021841440 LAST_NAME HASTINGS ADDRESS 716 CHICAGO AVE CITY SAVANNA STATE IL ZIP 610740000 MORT $32,100.00 BAL $31,992.09 RATE 8.7000 PAI $282.65 CLTV 75.529 MATURITY 170902 FEE 0.5000 LOAN 0000021841507 LAST_NAME LAWSON ADDRESS 1104 NAVCO ROAD CITY MOBILE STATE AL ZIP 366050000 MORT $39,900.00 BAL $39,790.03 RATE 9.6000 PAI $338.42 CLTV 66.611 MATURITY 270901 FEE 0.5000 LOAN 0000021841556 LAST_NAME MASON ADDRESS 245 ODOM ROAD CITY GARDENDALE STATE AL ZIP 350710000 MORT $69,700.00 BAL $69,602.72 RATE 9.5500 PAI $651.98 CLTV 85.000 MATURITY 170922 FEE 0.5000 LOAN 0000021841572 LAST_NAME JONES ADDRESS 2097 EAST 100 NORTH CITY DANVILLE STATE IN ZIP 461220000 MORT $30,000.00 BAL $29,699.96 RATE 9.6500 PAI $390.67 CLTV 71.805 MATURITY 70915 FEE 0.5000 LOAN 0000021841580 LAST_NAME LAPRAD ADDRESS 1338 WANNAMAKER DRIVE CITY SUMMERVILLE STATE SC ZIP 294850000 MORT $25,000.00 BAL $24,875.48 RATE 9.6500 PAI $325.56 CLTV 64.115 MATURITY 70930 FEE 0.5000 LOAN 0000021841689 LAST_NAME SILCOX ADDRESS 1310 KENTUCKY STREET CITY MICHIGAN CI STATE IN ZIP 463600000 MORT $62,400.00 BAL $62,053.22 RATE 8.5000 PAI $614.48 CLTV 80.000 MATURITY 120917 FEE 0.5000 LOAN 0000021841721 LAST_NAME SMITH ADDRESS ROUTE 1, BOX 324-A CITY FUQUAY-VARI STATE NC ZIP 275260000 MORT $48,750.00 BAL $48,647.56 RATE 11.7500 PAI $528.31 CLTV 69.642 MATURITY 170904 FEE 0.5000 LOAN 0000021841747 LAST_NAME FERRY ADDRESS 22 OLD TOWN PARK ROAD CITY NEW MILFORD STATE CT ZIP 067760000 MORT $90,400.00 BAL $90,400.00 RATE 8.3500 PAI $775.96 CLTV 80.000 MATURITY 171006 FEE 0.5000 LOAN 0000021841879 LAST_NAME SIEPERT ADDRESS 1556 W MAIN STREET CITY REXBURG STATE ID ZIP 834400000 MORT $65,600.00 BAL $65,556.86 RATE 8.1000 PAI $485.94 CLTV 80.000 MATURITY 121016 FEE 0.5000 LOAN 0000021842059 LAST_NAME PADUA ADDRESS 29 DELMAR ROAD CITY JERSEY CITY STATE NJ ZIP 073050000 MORT $15,000.00 BAL $14,930.58 RATE 10.5000 PAI $165.81 CLTV 82.363 MATURITY 120908 FEE 0.5000 LOAN 0000021842075 LAST_NAME FRANKSAIN ADDRESS 342 PIKE STREET CITY DENVER STATE CO ZIP 802330000 MORT $13,500.00 BAL $13,232.93 RATE 9.9900 PAI $178.33 CLTV 75.007 MATURITY 70716 FEE 0.5000 LOAN 0000021842109 LAST_NAME PHIPPS ADDRESS 2406 PANORAMIC DRIVE CITY CONCORD STATE CA ZIP 945200000 MORT $14,500.00 BAL $14,500.00 RATE 9.6500 PAI $136.59 CLTV 79.782 MATURITY 171110 FEE 0.5000 LOAN 0000021842125 LAST_NAME NAHAS ADDRESS 875 NEWTON STREET CITY BARBERTON STATE OH ZIP 442030000 MORT $8,100.00 BAL $8,081.34 RATE 10.5000 PAI $89.54 CLTV 83.113 MATURITY 121007 FEE 0.5000 LOAN 0000021842141 LAST_NAME GREER ADDRESS 906 BRANCH STREET CITY LANTANA STATE FL ZIP 334620000 MORT $15,000.00 BAL $14,924.95 RATE 9.6500 PAI $158.00 CLTV 43.768 MATURITY 120908 FEE 0.5000 LOAN 0000021842471 LAST_NAME CHARLES ADDRESS 601 WOODSIDE DRIVE CITY HOUMA STATE LA ZIP 703630000 MORT $89,250.00 BAL $88,534.70 RATE 8.6000 PAI $995.70 CLTV 85.000 MATURITY 90908 FEE 0.5000 LOAN 0000021842570 LAST_NAME GREENING ADDRESS 3458 W CHIPPEWA RIVER ROA CITY GREENDALE T STATE MI ZIP 488830000 MORT $58,000.00 BAL $57,823.44 RATE 8.9000 PAI $518.12 CLTV 75.324 MATURITY 170904 FEE 0.5000 LOAN 0000021842653 LAST_NAME SMITH ADDRESS 8753 SPEND A BUCK COURT CITY INDIANAPOLI STATE IN ZIP 462170000 MORT $100,800.00 BAL $100,477.32 RATE 8.5000 PAI $874.77 CLTV 80.000 MATURITY 170904 FEE 0.5000 LOAN 0000021842687 LAST_NAME DUTRO ADDRESS 1696 SPRINGER STREET CITY ATLANTA STATE GA ZIP 303180000 MORT $12,000.00 BAL $11,879.98 RATE 9.6500 PAI $156.27 CLTV 54.555 MATURITY 70924 FEE 0.5000 LOAN 0000021842786 LAST_NAME YOUNG ADDRESS 47 CARTER LAKE CLUB CITY CARTER LAKE STATE IA ZIP 515100000 MORT $26,000.00 BAL $25,817.75 RATE 9.5000 PAI $271.50 CLTV 55.319 MATURITY 120825 FEE 0.5000 LOAN 0000021842828 LAST_NAME JORDAN ADDRESS 1429 7TH AVENUE CITY HOLDREGE STATE NE ZIP 689490000 MORT $23,000.00 BAL $22,885.46 RATE 9.7000 PAI $242.96 CLTV 63.155 MATURITY 120915 FEE 0.5000 LOAN 0000021842836 LAST_NAME ESPINOZA ADDRESS 1113 W GREENE ST CITY CARLSBAD STATE NM ZIP 882200000 MORT $36,610.00 BAL $36,475.55 RATE 9.0000 PAI $371.33 CLTV 70.000 MATURITY 120916 FEE 0.5000 LOAN 0000021843156 LAST_NAME SOLLA ADDRESS 31 OAK LEAF DRIVE CITY WATERBURY STATE CT ZIP 067080000 MORT $76,000.00 BAL $75,954.43 RATE 8.5500 PAI $587.07 CLTV 79.166 MATURITY 120915 FEE 0.5000 LOAN 0000021843206 LAST_NAME GARNER ADDRESS 4511 WINDERMERE COURT CITY PHENIX CITY STATE AL ZIP 368670000 MORT $15,150.00 BAL $15,087.68 RATE 10.2500 PAI $165.13 CLTV 79.592 MATURITY 120908 FEE 0.5000 LOAN 0000021843214 LAST_NAME GREEN ADDRESS BOX362 RD#1 BROOKER HOLLO CITY RICHMONDVIL STATE NY ZIP 121490000 MORT $84,575.00 BAL $84,506.74 RATE 10.4500 PAI $770.49 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021843305 LAST_NAME SYKORA ADDRESS 6707 SOUTH 49TH STREET CITY OMAHA STATE NE ZIP 681170000 MORT $20,500.00 BAL $19,996.83 RATE 10.5000 PAI $345.64 CLTV 42.731 MATURITY 40820 FEE 0.5000 LOAN 0000021843354 LAST_NAME DODGE ADDRESS 361 GARDINER ROAD CITY EXETER STATE RI ZIP 028920000 MORT $74,000.00 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LAST_NAME CHIRBY ADDRESS 2049 BUFORD BOULEVARD CITY CLEARWATER STATE FL ZIP 346230000 MORT $15,500.00 BAL $15,422.45 RATE 9.6500 PAI $163.27 CLTV 47.906 MATURITY 120924 FEE 0.5000 LOAN 0000021844741 LAST_NAME PENNINGTON ADDRESS R386 S 13TH STREET CITY ARTESIA STATE NM ZIP 882100000 MORT $66,300.00 BAL $66,136.74 RATE 10.5500 PAI $664.16 CLTV 85.000 MATURITY 170903 FEE 0.5000 LOAN 0000021844790 LAST_NAME SVENNINGSEN ADDRESS 5841 S TRIPP CITY CHICAGO STATE IL ZIP 606290000 MORT $75,000.00 BAL $74,912.48 RATE 8.7000 PAI $587.35 CLTV 77.319 MATURITY 120915 FEE 0.5000 LOAN 0000021844824 LAST_NAME OUELLETTE ADDRESS 3235 KENSINGTON AVENUE CITY RICHMOND STATE VA ZIP 232210000 MORT $20,000.00 BAL $20,000.00 RATE 9.5500 PAI $209.45 CLTV 63.562 MATURITY 121105 FEE 0.5000 LOAN 0000021844832 LAST_NAME LANG ADDRESS 3344 VIC JOY DR CITY BETHEL STATE OH ZIP 451060000 MORT $104,800.00 BAL $104,579.55 RATE 9.5000 PAI $881.22 CLTV 80.000 MATURITY 270715 FEE 0.5000 LOAN 0000021845029 LAST_NAME MAHATO ADDRESS 107-15 110TH STREET CITY BOROUGH OF STATE NY ZIP 114190000 MORT $21,000.00 BAL $19,945.93 RATE 9.6500 PAI $442.59 CLTV 74.930 MATURITY 20923 FEE 0.5000 LOAN 0000021845128 LAST_NAME WALKER ADDRESS 5907 W. WOODLAND ROAD CITY ELLETTSVILL STATE IN ZIP 474290000 MORT $59,500.00 BAL $59,227.14 RATE 10.6000 PAI $661.41 CLTV 85.000 MATURITY 120919 FEE 0.5000 LOAN 0000021845201 LAST_NAME WOLFF ADDRESS 1923 YARNALL ROAD CITY POTTSTOWN STATE PA ZIP 194640000 MORT $126,000.00 BAL $125,879.42 RATE 9.6500 PAI $1,073.30 CLTV 90.000 MATURITY 270908 FEE 0.5000 LOAN 0000021845391 LAST_NAME NICHOLSON ADDRESS 8750 NE LEWIS RIVER ROAD CITY ARIEL STATE WA ZIP 986030000 MORT $36,473.00 BAL $35,461.59 RATE 9.7500 PAI $770.47 CLTV 79.914 MATURITY 20903 FEE 0.5000 LOAN 0000021845482 LAST_NAME ROSSI ADDRESS 3920 QUARTER HORSE WAY CITY LAKE WALES STATE FL ZIP 338530000 MORT $34,850.00 BAL $34,674.06 RATE 9.5500 PAI $364.97 CLTV 85.000 MATURITY 120902 FEE 0.5000 LOAN 0000021845516 LAST_NAME HUNTER ADDRESS 185 ROUTE 4 CITY SHERIDAN STATE AR ZIP 721500000 MORT $20,000.00 BAL $19,900.38 RATE 9.6500 PAI $260.45 CLTV 60.372 MATURITY 71027 FEE 0.5000 LOAN 0000021845557 LAST_NAME DRAGO ADDRESS 18 WHITNEY DRIVE CITY PEABODY STATE MA ZIP 019600000 MORT $16,000.00 BAL $15,920.31 RATE 9.6500 PAI $208.36 CLTV 78.664 MATURITY 70930 FEE 0.5000 LOAN 0000021845565 LAST_NAME ROY ADDRESS WHIPPORWILL LANE CITY SANDERSON STATE FL ZIP 320870000 MORT $46,000.00 BAL $45,753.75 RATE 8.9000 PAI $463.84 CLTV 67.647 MATURITY 120902 FEE 0.5000 LOAN 0000021845730 LAST_NAME PENNES ADDRESS 136 42 62ND ROAD CITY FLUSHING STATE NY ZIP 113670000 MORT $42,000.00 BAL $41,803.81 RATE 10.4000 PAI $461.67 CLTV 84.918 MATURITY 120909 FEE 0.5000 LOAN 0000021845763 LAST_NAME COWARD ADDRESS 10811 NEW SALEM AVENUE CITY UPPER MARLB STATE MD ZIP 207720000 MORT $86,000.00 BAL $86,000.00 RATE 8.7000 PAI $673.49 CLTV 58.503 MATURITY 271007 FEE 0.5000 LOAN 0000021845847 LAST_NAME SCHEER ADDRESS 4183 MARKHAM ST CITY LYONS FALLS STATE NY ZIP 133680000 MORT $54,000.00 BAL $53,975.86 RATE 9.9500 PAI $471.89 CLTV 85.714 MATURITY 271001 FEE 0.5000 LOAN 0000021845912 LAST_NAME CROSS ADDRESS 2060 QUAILRIDGE DRIVE CITY LAKE CHARLE STATE LA ZIP 706110000 MORT $99,680.00 BAL $98,853.96 RATE 8.1000 PAI $1,084.47 CLTV 80.000 MATURITY 90922 FEE 0.5000 LOAN 0000021845946 LAST_NAME BUCKEL ADDRESS 33 MARSHALL DRIVE CITY TOWN OF BRO STATE NY ZIP 117840000 MORT $59,376.00 BAL $59,294.18 RATE 9.6500 PAI $559.30 CLTV 80.000 MATURITY 171007 FEE 0.5000 LOAN 0000021846001 LAST_NAME GULBINAS ADDRESS 22 LONGFELLOW STREET CITY DORCHESTER STATE MA ZIP 021220000 MORT $101,250.00 BAL $101,138.96 RATE 9.0000 PAI $814.69 CLTV 75.000 MATURITY 270902 FEE 0.5000 LOAN 0000021846027 LAST_NAME SIMMONDS ADDRESS 11561 SW 9 COURT CITY PEMBROKE PI STATE FL ZIP 330250000 MORT $23,280.00 BAL $23,280.00 RATE 9.7500 PAI $246.62 CLTV 79.934 MATURITY 121110 FEE 0.5000 LOAN 0000021846068 LAST_NAME BELLEVILLE ADDRESS 511 PARK LANE CITY CHAMPAIGN STATE IL ZIP 618200000 MORT $22,000.00 BAL $21,889.94 RATE 9.6500 PAI $231.73 CLTV 74.763 MATURITY 120923 FEE 0.5000 LOAN 0000021846191 LAST_NAME MILLER ADDRESS BOX 1128 CITY SPRING GROV STATE PA ZIP 173620000 MORT $52,500.00 BAL $52,210.03 RATE 8.5500 PAI $518.53 CLTV 75.000 MATURITY 120909 FEE 0.5000 LOAN 0000021846290 LAST_NAME AMADIO ADDRESS 3343 N 17180 E RD. CITY MOMENCE STATE IL ZIP 609540000 MORT $55,250.00 BAL $55,086.94 RATE 9.6000 PAI $518.62 CLTV 85.000 MATURITY 170902 FEE 0.5000 LOAN 0000021846332 LAST_NAME ELLSWORTH ADDRESS 1428 PARKWAY DRIVE CITY PANAMA CITY STATE FL ZIP 324040000 MORT $9,000.00 BAL $8,763.81 RATE 9.6500 PAI $189.68 CLTV 36.398 MATURITY 20924 FEE 0.5000 LOAN 0000021846357 LAST_NAME ZAMOR ADDRESS 56 NW 43 TERRACE CITY PLANTATION STATE FL ZIP 333170000 MORT $12,000.00 BAL $11,910.39 RATE 9.7500 PAI $127.13 CLTV 77.931 MATURITY 120904 FEE 0.5000 LOAN 0000021846373 LAST_NAME SMITH ADDRESS 8808 SCOTSMAN DRIVE CITY AUSTIN STATE TX ZIP 787500000 MORT $136,000.00 BAL $135,434.80 RATE 9.2500 PAI $1,118.84 CLTV 77.714 MATURITY 120901 FEE 0.5000 LOAN 0000021846431 LAST_NAME GONZALEZ ADDRESS 8034 LLOYD CITY NORTH HOLLY STATE CA ZIP 916050000 MORT $60,000.00 BAL $60,000.00 RATE 10.5500 PAI $665.11 CLTV 71.147 MATURITY 121110 FEE 0.5000 LOAN 0000021846472 LAST_NAME VINSON ADDRESS 19390 ST. LOUIS ST CITY DETROIT STATE MI ZIP 482340000 MORT $28,800.00 BAL $28,657.86 RATE 9.8000 PAI $305.98 CLTV 90.000 MATURITY 120904 FEE 0.5000 LOAN 0000021846860 LAST_NAME SMITH ADDRESS 2907 ELDORADO ROAD CITY FAYETTEVILL STATE NC ZIP 283030000 MORT $33,770.00 BAL $33,635.22 RATE 9.9900 PAI $325.67 CLTV 71.851 MATURITY 170714 FEE 0.5000 LOAN 0000021846951 LAST_NAME SCHRADER ADDRESS 6720 100TH STREET CITY ENSLEY TOWN STATE MI ZIP 493370000 MORT $63,000.00 BAL $59,750.44 RATE 8.1000 PAI $985.08 CLTV 48.461 MATURITY 40902 FEE 0.5000 LOAN 0000021846977 LAST_NAME YORK ADDRESS 1110 O'CONNOR BLVD CITY MONTICELLO STATE IN ZIP 479600000 MORT $69,700.00 BAL $69,581.53 RATE 10.2500 PAI $624.59 CLTV 85.000 MATURITY 120708 FEE 0.5000 LOAN 0000021846985 LAST_NAME RADMAN ADDRESS 1 WASHINGTON CIRCLE CITY NEW CITY STATE NY ZIP 109560000 MORT $50,000.00 BAL $49,813.31 RATE 10.5000 PAI $499.19 CLTV 71.553 MATURITY 170813 FEE 0.5000 LOAN 0000021847090 LAST_NAME BARENDS ADDRESS 1571 S. CHERRY STREET CITY CITY OF DEN STATE CO ZIP 802220000 MORT $13,770.00 BAL $13,590.99 RATE 9.7500 PAI $290.89 CLTV 69.266 MATURITY 21010 FEE 0.5000 LOAN 0000021847207 LAST_NAME KLIMM ADDRESS 447 CROWL RD CITY WESTMINSTER STATE MD ZIP 211580000 MORT $125,000.00 BAL $124,811.67 RATE 8.7000 PAI $978.92 CLTV 78.616 MATURITY 270908 FEE 0.5000 LOAN 0000021847231 LAST_NAME GIBSON ADDRESS 4008 HAMS WOOD LANE CITY GRIMESLAND STATE NC ZIP 278580000 MORT $25,000.00 BAL $24,875.55 RATE 9.6500 PAI $263.33 CLTV 42.443 MATURITY 121015 FEE 0.5000 LOAN 0000021847249 LAST_NAME HUNT ADDRESS 905 W. 3RD STREET CITY GREENVILLE STATE NC ZIP 278340000 MORT $11,000.00 BAL $10,883.62 RATE 8.6500 PAI $137.27 CLTV 40.740 MATURITY 70924 FEE 0.5000 LOAN 0000021847421 LAST_NAME FIELDS ADDRESS 17235 NW 9 COURT CITY MIAMI STATE FL ZIP 331690000 MORT $55,000.00 BAL $54,724.84 RATE 9.6500 PAI $579.32 CLTV 79.997 MATURITY 120908 FEE 0.5000 LOAN 0000021847512 LAST_NAME SIKES ADDRESS RT 2 BOX 1318 A CITY MACCLENNY STATE FL ZIP 320630000 MORT $56,000.00 BAL $55,829.51 RATE 8.9000 PAI $500.26 CLTV 80.000 MATURITY 170909 FEE 0.5000 LOAN 0000021847579 LAST_NAME RILEY ADDRESS 8313 LARCHWOOD STREET CITY NEW CARROLL STATE MD ZIP 207840000 MORT $140,000.00 BAL $139,897.19 RATE 10.9000 PAI $1,322.68 CLTV 78.651 MATURITY 270904 FEE 0.5000 LOAN 0000021847587 LAST_NAME PELLERIN ADDRESS 441 WALLACE HILL ROAD CITY PLATTSBURGH STATE NY ZIP 129010000 MORT $77,600.00 BAL $77,552.50 RATE 8.4500 PAI $593.93 CLTV 80.000 MATURITY 121027 FEE 0.5000 LOAN 0000021847652 LAST_NAME THOMAS ADDRESS 1582 RAILTON ROAD CITY MEMPHIS STATE TN ZIP 381110000 MORT $33,000.00 BAL $32,896.31 RATE 8.6500 PAI $289.53 CLTV 64.077 MATURITY 170902 FEE 0.5000 LOAN 0000021847801 LAST_NAME TAMILLO ADDRESS 115 W 9TH ST CITY DULUTH STATE MN ZIP 558060000 MORT $71,910.00 BAL $71,846.09 RATE 10.0000 PAI $631.07 CLTV 90.000 MATURITY 270901 FEE 0.5000 LOAN 0000021848007 LAST_NAME NICHOLLS ADDRESS 501 THYNNE ROAD CITY MIDLOTHIAN STATE VA ZIP 231130000 MORT $68,000.00 BAL $68,000.00 RATE 8.7000 PAI $598.76 CLTV 54.618 MATURITY 171101 FEE 0.5000 LOAN 0000021848155 LAST_NAME YOUNG ADDRESS 302 HAWTHORNE ROAD CITY NEW BERN STATE NC ZIP 285620000 MORT $15,000.00 BAL $14,963.47 RATE 9.9000 PAI $160.28 CLTV 58.613 MATURITY 121008 FEE 0.5000 LOAN 0000021848262 LAST_NAME SCHMIDT ADDRESS 188 MAPLE DRIVE CIRCLE CITY REEDLEY STATE CA ZIP 936540000 MORT $15,000.00 BAL $14,924.95 RATE 9.6500 PAI $158.00 CLTV 42.409 MATURITY 120919 FEE 0.5000 LOAN 0000021848304 LAST_NAME SICKLER ADDRESS 98-100 WEST MAIN STREET CITY ROCKAWAY STATE NJ ZIP 078660000 MORT $25,000.00 BAL $24,935.15 RATE 10.1500 PAI $243.75 CLTV 68.538 MATURITY 170908 FEE 0.5000 LOAN 0000021848312 LAST_NAME GIUFFRE ADDRESS 3727 W 83RD PL CITY CHICAGO STATE IL ZIP 606520000 MORT $30,000.00 BAL $29,672.03 RATE 9.9500 PAI $395.63 CLTV 84.312 MATURITY 70929 FEE 0.5000 LOAN 0000021848346 LAST_NAME HARDIMON ADDRESS 10114 S STATE STREET CITY CHICAGO STATE IL ZIP 606280000 MORT $66,220.00 BAL $66,146.99 RATE 8.9750 PAI $531.64 CLTV 86.000 MATURITY 120929 FEE 0.5000 LOAN 0000021848403 LAST_NAME COMBS SR ADDRESS 2642 FOXDALE AVENUE CITY TOWN OF HEM STATE NY ZIP 115720000 MORT $185,000.00 BAL $184,779.62 RATE 8.6000 PAI $1,435.63 CLTV 83.710 MATURITY 120910 FEE 0.5000 LOAN 0000021848445 LAST_NAME SCHIFFMACHER ADDRESS 746 BROADWAY CITY DARIEN STATE NY ZIP 140400000 MORT $144,500.00 BAL $144,333.00 RATE 9.9500 PAI $1,262.76 CLTV 85.000 MATURITY 120904 FEE 0.5000 LOAN 0000021848478 LAST_NAME POSTLEWAITE ADDRESS 1555 W ASPEN WAY CITY MARTINSVILL STATE IN ZIP 461510000 MORT $148,000.00 BAL $147,811.81 RATE 8.4000 PAI $1,127.52 CLTV 80.000 MATURITY 120806 FEE 0.5000 LOAN 0000021848494 LAST_NAME WETTERMAN ADDRESS 1085 SUBSTATION ROAD CITY BRUNSWICK STATE OH ZIP 442120000 MORT $93,600.00 BAL $93,600.00 RATE 8.6500 PAI $821.20 CLTV 80.000 MATURITY 171030 FEE 0.5000 LOAN 0000021848544 LAST_NAME JOHNSON ADDRESS 5061 EBENEZER DRIVE CITY MOBILE STATE AL ZIP 366930000 MORT $42,000.00 BAL $41,984.53 RATE 10.8500 PAI $395.22 CLTV 80.000 MATURITY 270920 FEE 0.5000 LOAN 0000021848569 LAST_NAME PARRETT ADDRESS 4330 HOLTEN AVENUE CITY CITY OF FOR STATE IN ZIP 468060000 MORT $16,200.00 BAL $16,161.44 RATE 10.1500 PAI $175.58 CLTV 90.000 MATURITY 120929 FEE 0.5000 LOAN 0000021848601 LAST_NAME NARDOZZI ADDRESS 7151 LANE ROAD CITY VICTOR STATE NY ZIP 145640000 MORT $157,500.00 BAL $157,434.65 RATE 10.3000 PAI $1,417.22 CLTV 90.000 MATURITY 271029 FEE 0.5000 LOAN 0000021848676 LAST_NAME CRAWFORD ADDRESS 4437 BLUEGRASS RD CITY CHRISTIANBU STATE VA ZIP 240730000 MORT $82,450.00 BAL $82,024.23 RATE 9.3000 PAI $851.05 CLTV 84.564 MATURITY 120916 FEE 0.5000 LOAN 0000021848692 LAST_NAME MURPHY ADDRESS 2123 BEAR FORK ROAD CITY PRICHARD STATE AL ZIP 366100000 MORT $30,620.00 BAL $30,313.77 RATE 9.6500 PAI $398.74 CLTV 60.227 MATURITY 70904 FEE 0.5000 LOAN 0000021848767 LAST_NAME GONZALES ADDRESS 35 TOME HILL ROAD CITY LOS LUNAS STATE NM ZIP 870310000 MORT $85,000.00 BAL $84,869.46 RATE 8.8000 PAI $753.87 CLTV 72.649 MATURITY 171027 FEE 0.5000 LOAN 0000021848841 LAST_NAME BARRY ADDRESS 18 ASHFORD RD CITY HAMPSTEAD STATE NH ZIP 038410000 MORT $87,250.00 BAL $86,813.59 RATE 8.2000 PAI $740.69 CLTV 73.319 MATURITY 170902 FEE 0.5000 LOAN 0000021848908 LAST_NAME WILLIAMS ADDRESS 9948 B DRIVE SOUTH CITY CERESCO STATE MI ZIP 490330000 MORT $65,000.00 BAL $64,925.47 RATE 8.8500 PAI $516.01 CLTV 61.032 MATURITY 120922 FEE 0.5000 LOAN 0000021848924 LAST_NAME BRUMBAUGH ADDRESS 15105 NE 74TH STREET CITY VANCOUVER STATE WA ZIP 986820000 MORT $27,000.00 BAL $26,731.51 RATE 9.7500 PAI $353.08 CLTV 75.896 MATURITY 70917 FEE 0.5000 LOAN 0000021848981 LAST_NAME PARRISH ADDRESS 1819 MARTIN AVENUE CITY CHESAPEAKE STATE VA ZIP 233240000 MORT $23,494.00 BAL $23,428.98 RATE 9.6500 PAI $221.31 CLTV 79.869 MATURITY 170922 FEE 0.5000 LOAN 0000021849013 LAST_NAME JONES ADDRESS BOX 176 CITY ST MATTHEWS STATE SC ZIP 291350000 MORT $71,200.00 BAL $70,927.72 RATE 8.7000 PAI $626.94 CLTV 80.000 MATURITY 170902 FEE 0.5000 LOAN 0000021849021 LAST_NAME FUNDORA ADDRESS 21717 SW 99TH AVENUE CITY MIAMI STATE FL ZIP 331900000 MORT $54,500.00 BAL $54,339.07 RATE 9.9000 PAI $522.34 CLTV 68.125 MATURITY 170903 FEE 0.5000 LOAN 0000021849039 LAST_NAME LUND ADDRESS 14351 WEST 2ND PLACE CITY GOLDEN STATE CO ZIP 804010000 MORT $172,000.00 BAL $171,421.25 RATE 8.1000 PAI $1,449.40 CLTV 80.000 MATURITY 170908 FEE 0.5000 LOAN 0000021849054 LAST_NAME FONZI ADDRESS 26 ORSINI DRIVE CITY WAKEFIELD STATE MA ZIP 018800000 MORT $60,000.00 BAL $59,722.31 RATE 10.5000 PAI $663.24 CLTV 40.242 MATURITY 120904 FEE 0.5000 LOAN 0000021849203 LAST_NAME NAPIER ADDRESS 2230 BANCROFT CITY SAGINAW STATE MI ZIP 486010000 MORT $30,000.00 BAL $29,849.22 RATE 9.6000 PAI $315.09 CLTV 78.947 MATURITY 120924 FEE 0.5000 LOAN 0000021849245 LAST_NAME CUGLER ADDRESS 122 RUTGERS ROAD CITY PENNSVILLE STATE NJ ZIP 080700000 MORT $16,500.00 BAL $16,063.59 RATE 9.6500 PAI $347.75 CLTV 73.282 MATURITY 20910 FEE 0.5000 LOAN 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STATE AL ZIP 354010000 MORT $32,900.00 BAL $32,900.00 RATE 9.7000 PAI $429.33 CLTV 69.182 MATURITY 71107 FEE 0.5000 LOAN 0000021850201 LAST_NAME SULLIVAN ADDRESS 22 T STREET NE CITY WASHINGTON STATE DC ZIP 200020000 MORT $68,000.00 BAL $67,920.27 RATE 8.7000 PAI $532.53 CLTV 68.000 MATURITY 270915 FEE 0.5000 LOAN 0000021850292 LAST_NAME HAYDEN ADDRESS 6779 SUNSET MEADOW DRIVE CITY WINDSOR STATE WI ZIP 535980000 MORT $53,609.00 BAL $53,548.98 RATE 8.9000 PAI $427.50 CLTV 84.875 MATURITY 120924 FEE 0.5000 LOAN 0000021850326 LAST_NAME SCHOFIELD ADDRESS 232 BOX RR2 CITY FAIRMONT STATE MN ZIP 563010000 MORT $21,700.00 BAL $21,648.59 RATE 10.2000 PAI $235.86 CLTV 84.860 MATURITY 121006 FEE 0.5000 LOAN 0000021850433 LAST_NAME CASAGRANDA ADDRESS 11 NEWTON AVENUE CITY OXFORD STATE MA ZIP 015400000 MORT $124,200.00 BAL $123,578.08 RATE 9.6000 PAI $1,165.83 CLTV 90.000 MATURITY 170915 FEE 0.5000 LOAN 0000021850508 LAST_NAME BUHALTS ADDRESS 308 ELMDALE CITY CARLSBAD STATE NM ZIP 882200000 MORT $8,000.00 BAL $7,961.33 RATE 10.2500 PAI $106.84 CLTV 76.155 MATURITY 70922 FEE 0.5000 LOAN 0000021850607 LAST_NAME CAREY ADDRESS 9606 TORNO DRIVE CITY GLEN ALLEN STATE VA ZIP 230600000 MORT $22,000.00 BAL $21,412.16 RATE 8.8500 PAI $455.09 CLTV 73.698 MATURITY 20926 FEE 0.5000 LOAN 0000021850649 LAST_NAME VALLEJOS ADDRESS 609 N GALLOPING COLT CIRC CITY CITY OF WAL STATE CA ZIP 917890000 MORT $25,000.00 BAL $24,872.64 RATE 9.4500 PAI $260.31 CLTV 77.002 MATURITY 120929 FEE 0.5000 LOAN 0000021850706 LAST_NAME BROOKS ADDRESS 151 NORTH SHORE DRIVE CITY LEXINGTON STATE NC ZIP 272920000 MORT $16,000.00 BAL $15,919.58 RATE 9.6000 PAI $168.05 CLTV 41.324 MATURITY 120910 FEE 0.5000 LOAN 0000021850722 LAST_NAME PEELE ADDRESS 7804 BART NE CITY ALBUQUERQUE STATE NM ZIP 871090000 MORT $13,000.00 BAL $12,967.02 RATE 9.4500 PAI $135.36 CLTV 65.903 MATURITY 121006 FEE 0.5000 LOAN 0000021850888 LAST_NAME WALTERS ADDRESS 5806 W LANCASTER HIGHWAY CITY MONROE STATE NC ZIP 281120000 MORT $20,000.00 BAL $20,000.00 RATE 10.3500 PAI $268.20 CLTV 80.735 MATURITY 71110 FEE 0.5000 LOAN 0000021850896 LAST_NAME ALLISTON ADDRESS 542 E 8TH ST. CITY CHESTER STATE PA ZIP 190130000 MORT $19,550.00 BAL $19,481.89 RATE 9.1000 PAI $177.16 CLTV 85.000 MATURITY 170916 FEE 0.5000 LOAN 0000021850979 LAST_NAME PHILLIPS ADDRESS 2513 LEGGETT ROAD CITY ROCKY MOUNT STATE NC ZIP 278010000 MORT $52,000.00 BAL $51,849.54 RATE 9.3000 PAI $477.94 CLTV 80.000 MATURITY 170903 FEE 0.5000 LOAN 0000021851092 LAST_NAME HORTON ADDRESS 211 PRINCE STREET CITY CARRBORO STATE NC ZIP 275100000 MORT $59,000.00 BAL $58,675.59 RATE 8.6000 PAI $584.46 CLTV 65.555 MATURITY 120827 FEE 0.5000 LOAN 0000021851118 LAST_NAME WASHINGTON ADDRESS 2679 RHODE ISLAND AVENUE, CITY WASHINGTON STATE DC ZIP 200020000 MORT $100,000.00 BAL $99,905.32 RATE 9.7000 PAI $855.48 CLTV 80.000 MATURITY 120826 FEE 0.5000 LOAN 0000021851126 LAST_NAME PATTERSON ADDRESS 126 GORDON HIGHWAY CITY MILLEDGEVIL STATE GA ZIP 310610000 MORT $35,200.00 BAL $35,076.73 RATE 7.9000 PAI $255.84 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021851159 LAST_NAME WHITE ADDRESS 37 CANTERBURY DRIVE CITY LACEY TOWNS STATE NJ ZIP 087310000 MORT $17,500.00 BAL $17,500.00 RATE 9.4500 PAI $225.97 CLTV 72.066 MATURITY 71028 FEE 0.5000 LOAN 0000021851191 LAST_NAME THOMPSON ADDRESS 2941 EL TORRO ROAD CITY GRAND JUNCT STATE CO ZIP 815030000 MORT $104,805.00 BAL $103,991.41 RATE 9.0500 PAI $1,195.67 CLTV 85.000 MATURITY 90904 FEE 0.5000 LOAN 0000021851209 LAST_NAME GUSTIN ADDRESS 54 SEWALL STREET CITY LYNN STATE MA ZIP 019020000 MORT $13,000.00 BAL $12,966.37 RATE 9.4500 PAI $135.36 CLTV 60.801 MATURITY 121001 FEE 0.5000 LOAN 0000021851258 LAST_NAME DUKES ADDRESS 740 PULLMAN LANE CITY STOCKBRIDGE STATE GA ZIP 302810000 MORT $8,500.00 BAL $8,457.42 RATE 9.5500 PAI $110.23 CLTV 79.996 MATURITY 71001 FEE 0.5000 LOAN 0000021851290 LAST_NAME BOWER ADDRESS 15 NEVADA STREET CITY WINTHROP STATE MA ZIP 021520000 MORT $48,756.00 BAL $48,617.60 RATE 9.4500 PAI $452.88 CLTV 79.931 MATURITY 170915 FEE 0.5000 LOAN 0000021851357 LAST_NAME FARR ADDRESS 222 WAGGLE WAY CITY MERLIN STATE OR ZIP 975320000 MORT $64,000.00 BAL $63,641.77 RATE 8.4000 PAI $626.49 CLTV 79.961 MATURITY 120910 FEE 0.5000 LOAN 0000021851407 LAST_NAME DICECCO ADDRESS 10 SOUTH OVERHILL ROAD CITY UPPER PROVI STATE PA ZIP 190630000 MORT $27,000.00 BAL $26,729.20 RATE 9.6000 PAI $350.86 CLTV 76.181 MATURITY 70904 FEE 0.5000 LOAN 0000021851456 LAST_NAME TAPP ADDRESS 420 HIGHBROOK DRIVE CITY ATLANTA STATE GA ZIP 303420000 MORT $30,000.00 BAL $30,000.00 RATE 9.4500 PAI $312.37 CLTV 79.225 MATURITY 121117 FEE 0.5000 LOAN 0000021851522 LAST_NAME GRANT ADDRESS 1058 W 10TH STREET CITY COQUILLE STATE OR ZIP 974230000 MORT $62,900.00 BAL $62,458.78 RATE 8.4000 PAI $615.72 CLTV 85.000 MATURITY 120909 FEE 0.5000 LOAN 0000021851662 LAST_NAME WATSON ADDRESS 1423 HOLBROOK STREET, N.E CITY WASHINGTON STATE DC ZIP 200020000 MORT $80,000.00 BAL $79,904.70 RATE 8.6000 PAI $620.81 CLTV 80.000 MATURITY 120827 FEE 0.5000 LOAN 0000021851704 LAST_NAME STARR ADDRESS 3530 BANGOR RD CITY BAY CITY STATE MI ZIP 487060000 MORT $107,100.00 BAL $107,046.80 RATE 9.6000 PAI $908.38 CLTV 89.250 MATURITY 270922 FEE 0.5000 LOAN 0000021851746 LAST_NAME VANLOON ADDRESS 1042 TRENT CITY BAILEY STATE MI ZIP 493030000 MORT $38,500.00 BAL $38,402.32 RATE 9.4500 PAI $400.87 CLTV 64.745 MATURITY 121027 FEE 0.5000 LOAN 0000021851837 LAST_NAME STARK ADDRESS 15535 COLLEGE AVE. CITY GEORGETOWN STATE IL ZIP 618460000 MORT $48,800.00 BAL $48,654.24 RATE 9.0500 PAI $440.64 CLTV 80.000 MATURITY 170915 FEE 0.5000 LOAN 0000021851845 LAST_NAME LOPEZ ADDRESS 1212 W. SUMMIT STREET CITY ROSWELL STATE NM ZIP 882010000 MORT $35,275.00 BAL $35,083.73 RATE 9.8500 PAI $336.92 CLTV 85.000 MATURITY 170910 FEE 0.5000 LOAN 0000021851878 LAST_NAME MARTINEZ ADDRESS 12666 60TH AVE SOUTH CITY SEATTLE STATE WA ZIP 981780000 MORT $126,500.00 BAL $126,371.08 RATE 9.3500 PAI $1,049.86 CLTV 79.062 MATURITY 271001 FEE 0.5000 LOAN 0000021851969 LAST_NAME MOORE ADDRESS 106 NORTH TYRONE DRIVE CITY MUNCIE STATE IN ZIP 473040000 MORT $46,800.00 BAL $46,751.27 RATE 9.2500 PAI $385.02 CLTV 81.391 MATURITY 120910 FEE 0.5000 LOAN 0000021852009 LAST_NAME RITTER ADDRESS 30694 KINGS VALLEY DRIVE CITY CONIFER STATE CO ZIP 804330000 MORT $42,900.00 BAL $42,280.09 RATE 9.4500 PAI $446.68 CLTV 79.754 MATURITY 120929 FEE 0.5000 LOAN 0000021852173 LAST_NAME BASNEY ADDRESS 5985 MARINE CITY HWY CITY MARINE CITY STATE MI ZIP 480390000 MORT $105,600.00 BAL $105,475.49 RATE 8.6500 PAI $823.23 CLTV 79.398 MATURITY 120902 FEE 0.5000 LOAN 0000021852264 LAST_NAME PHILLIPS ADDRESS 614 S. SCHUERMANN CITY BAY CITY STATE MI ZIP 487080000 MORT $123,600.00 BAL $123,540.47 RATE 9.6000 PAI $1,048.33 CLTV 80.000 MATURITY 270930 FEE 0.5000 LOAN 0000021852330 LAST_NAME DESCHENES ADDRESS 15 MADISON DRIVE CITY HUDSON STATE NH ZIP 030510000 MORT $10,000.00 BAL $9,977.79 RATE 10.9000 PAI $113.04 CLTV 73.574 MATURITY 121008 FEE 0.5000 LOAN 0000021852397 LAST_NAME TAPANES ADDRESS 159 DRUID AVENUE CITY BOROUGH OF STATE NJ ZIP 076280000 MORT $35,000.00 BAL $35,000.00 RATE 10.3000 PAI $468.37 CLTV 55.563 MATURITY 71027 FEE 0.5000 LOAN 0000021852421 LAST_NAME KOVACH ADDRESS 1605 ANDREWS DR. CITY CAHOKIA STATE IL ZIP 622060000 MORT $42,750.00 BAL $42,710.37 RATE 9.8000 PAI $368.86 CLTV 90.000 MATURITY 270908 FEE 0.5000 LOAN 0000021852462 LAST_NAME STAHLEY ADDRESS 7931 KILGOUR AVENUE CITY CAMP DENNIS STATE OH ZIP 451110000 MORT $61,500.00 BAL $61,461.96 RATE 8.4000 PAI $468.54 CLTV 79.870 MATURITY 270930 FEE 0.5000 LOAN 0000021852579 LAST_NAME QUERAM ADDRESS 2204 POTTER DOWNS RD CITY WAXHAW STATE NC ZIP 297320000 MORT $123,250.00 BAL $123,135.74 RATE 9.8000 PAI $1,063.44 CLTV 85.000 MATURITY 120901 FEE 0.5000 LOAN 0000021852645 LAST_NAME BRESSER ADDRESS 436 POINCIANA DRIVE CITY SARASOTA STATE FL ZIP 342430000 MORT $20,500.00 BAL $20,292.35 RATE 9.4500 PAI $264.71 CLTV 64.934 MATURITY 70930 FEE 0.5000 LOAN 0000021852652 LAST_NAME HARRIS ADDRESS 2532 RIVERSIDE DRIVE CITY PORT HURON STATE MI ZIP 480600000 MORT $59,000.00 BAL $58,684.16 RATE 8.9000 PAI $594.92 CLTV 50.427 MATURITY 120903 FEE 0.5000 LOAN 0000021852660 LAST_NAME MONVILLE ADDRESS 519 N FARRAGUT CITY BAY CITY STATE MI ZIP 487080000 MORT $49,050.00 BAL $49,009.56 RATE 10.3500 PAI $443.19 CLTV 90.000 MATURITY 270915 FEE 0.5000 LOAN 0000021852702 LAST_NAME SCANLON ADDRESS 8600 WALSHAM DRIVE CITY CHARLOTTE STATE NC ZIP 282270000 MORT $15,900.00 BAL $15,894.52 RATE 11.1500 PAI $153.22 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021852751 LAST_NAME MCDANIEL ADDRESS 1914 E. LOUSIANNA AVENUE CITY TAMPA STATE FL ZIP 336100000 MORT $10,000.00 BAL $9,898.84 RATE 9.4500 PAI $129.13 CLTV 79.594 MATURITY 70917 FEE 0.5000 LOAN 0000021852801 LAST_NAME EDWARDS ADDRESS 8972 SOUTH 2240 WEST CITY WEST JORDAN STATE UT ZIP 840880000 MORT $193,500.00 BAL $193,306.87 RATE 9.4500 PAI $1,620.00 CLTV 90.000 MATURITY 120902 FEE 0.5000 LOAN 0000021852868 LAST_NAME HODGE ADDRESS 6995 NORTH LONDON ROAD CITY FAIRLAND STATE IN ZIP 461260000 MORT $78,800.00 BAL $78,338.98 RATE 7.9000 PAI $748.52 CLTV 80.000 MATURITY 120910 FEE 0.5000 LOAN 0000021852876 LAST_NAME CARLSON ADDRESS 16150 MAY AVE CITY MAY TOWNSHI STATE MN ZIP 550470000 MORT $104,000.00 BAL $103,838.85 RATE 7.3000 PAI $713.00 CLTV 80.000 MATURITY 120919 FEE 0.5000 LOAN 0000021852918 LAST_NAME GORCHOW ADDRESS 3534 PADDINGTON ROAD CITY TROY STATE MI ZIP 480840000 MORT $142,400.00 BAL $141,908.83 RATE 7.9000 PAI $1,182.25 CLTV 80.000 MATURITY 170910 FEE 0.5000 LOAN 0000021852926 LAST_NAME CORNELIUS ADDRESS 1020 ROCKY MOUNT ROAD CITY CITY OF COL STATE SC ZIP 292030000 MORT $37,600.00 BAL $37,600.00 RATE 9.4500 PAI $391.50 CLTV 80.000 MATURITY 121104 FEE 0.5000 LOAN 0000021853064 LAST_NAME MIDCAP ADDRESS 13670 KENT AVENUE NE CITY LAKE TOWNSH STATE OH ZIP 446320000 MORT $56,000.00 BAL $55,806.70 RATE 7.9000 PAI $464.93 CLTV 46.666 MATURITY 170908 FEE 0.5000 LOAN 0000021853072 LAST_NAME MELKI ADDRESS 199 NE WILDHURST CITY ROANOAKE STATE VA ZIP 240120000 MORT $69,200.00 BAL $68,455.58 RATE 8.3500 PAI $675.37 CLTV 78.636 MATURITY 120917 FEE 0.5000 LOAN 0000021853098 LAST_NAME PACE ADDRESS 204 BEDFORD COURT CITY PORTSMOUTH STATE VA ZIP 237010000 MORT $96,800.00 BAL $96,692.76 RATE 8.9500 PAI $775.39 CLTV 80.000 MATURITY 120829 FEE 0.5000 LOAN 0000021853197 LAST_NAME BIERS ADDRESS 2545 ENID AVENUE CITY CRESCENT SP STATE KY ZIP 410170000 MORT $41,200.00 BAL $41,177.60 RATE 9.0500 PAI $332.99 CLTV 67.540 MATURITY 271006 FEE 0.5000 LOAN 0000021853213 LAST_NAME CANDELARIO ADDRESS 209 RIDGEWOOD AVE CITY BROOKLYN STATE NY ZIP 112080000 MORT $80,000.00 BAL $79,586.83 RATE 10.2500 PAI $785.31 CLTV 43.243 MATURITY 170722 FEE 0.5000 LOAN 0000021853346 LAST_NAME VINES ADDRESS 84 REMSEN AVE CITY NEW BRUNSWI STATE NJ ZIP 089010000 MORT $75,000.00 BAL $74,592.67 RATE 9.9900 PAI $723.27 CLTV 61.475 MATURITY 170722 FEE 0.5000 LOAN 0000021853387 LAST_NAME VITE ADDRESS 24-26 FIRTH ST CITY CORNWALL STATE NY ZIP 125180000 MORT $100,000.00 BAL $99,431.43 RATE 9.5000 PAI $932.13 CLTV 62.500 MATURITY 170718 FEE 0.5000 LOAN 0000021853395 LAST_NAME SPENCER ADDRESS 125 DORCHESTER STREET CITY N QUINCY STATE MA ZIP 021710000 MORT $35,000.00 BAL $34,911.20 RATE 9.4500 PAI $364.43 CLTV 67.650 MATURITY 121010 FEE 0.5000 LOAN 0000021853403 LAST_NAME WIDNER ADDRESS 2840 W. 21ST STREET CITY GREELEY STATE CO ZIP 806310000 MORT $7,000.00 BAL $6,982.40 RATE 9.5500 PAI $73.31 CLTV 66.277 MATURITY 120930 FEE 0.5000 LOAN 0000021853437 LAST_NAME VINCENT ADDRESS 352 BARKER ROAD CITY PITTSFIELD STATE MA ZIP 012010000 MORT $126,900.00 BAL $126,756.69 RATE 10.2000 PAI $1,132.44 CLTV 90.000 MATURITY 270915 FEE 0.5000 LOAN 0000021853536 LAST_NAME DURFEE ADDRESS 119 VAN BUREN AVENUE CITY CUYAHOGA FA STATE OH ZIP 442210000 MORT $65,000.00 BAL $64,924.15 RATE 8.7000 PAI $509.04 CLTV 54.166 MATURITY 270910 FEE 0.5000 LOAN 0000021853585 LAST_NAME DEFRANCESCO ADDRESS 33 ALGER AVENUE CITY WARWICK STATE RI ZIP 028180000 MORT $96,000.00 BAL $95,668.97 RATE 9.2500 PAI $879.24 CLTV 80.000 MATURITY 170912 FEE 0.5000 LOAN 0000021853601 LAST_NAME ROGERS ADDRESS 319 SHAW RD. CITY HARMONY STATE NC ZIP 286340000 MORT $28,000.00 BAL $27,912.58 RATE 8.7000 PAI $246.55 CLTV 80.000 MATURITY 170903 FEE 0.5000 LOAN 0000021853627 LAST_NAME VOYARD ADDRESS 9 WALTON STREET CITY DORCHESTER STATE MA ZIP 021240000 MORT $116,000.00 BAL $115,853.04 RATE 8.3000 PAI $875.56 CLTV 80.000 MATURITY 120908 FEE 0.5000 LOAN 0000021853668 LAST_NAME EVERS ADDRESS 1318 FULBRIGHT AVENUE CITY CITY OF RED STATE CA ZIP 923730000 MORT $30,000.00 BAL $29,937.58 RATE 9.4500 PAI $278.67 CLTV 43.634 MATURITY 171028 FEE 0.5000 LOAN 0000021853676 LAST_NAME BROWN ADDRESS 1930 VALLEY WOODS DRIVE CITY RIVERDALE STATE GA ZIP 302960000 MORT $130,000.00 BAL $129,849.90 RATE 10.7000 PAI $1,208.64 CLTV 89.655 MATURITY 120818 FEE 0.5000 LOAN 0000021853791 LAST_NAME GARVIN ADDRESS 740 W 2 STREET CITY RIVIERA BEA STATE FL ZIP 334040000 MORT $47,000.00 BAL $46,853.27 RATE 8.7000 PAI $413.85 CLTV 72.307 MATURITY 170903 FEE 0.5000 LOAN 0000021853858 LAST_NAME SALVATORE ADDRESS 20266 GLENWOOD LANE CITY STRONGSVILL STATE OH ZIP 441360000 MORT $31,510.00 BAL $31,510.00 RATE 9.4500 PAI $328.09 CLTV 80.000 MATURITY 121126 FEE 0.5000 LOAN 0000021853890 LAST_NAME FIELDS ADDRESS 6540 CHEYENNE PKWAY CITY EIGHT MILE STATE AL ZIP 366130000 MORT $55,250.00 BAL $55,129.99 RATE 11.5000 PAI $589.20 CLTV 85.000 MATURITY 170903 FEE 0.5000 LOAN 0000021853957 LAST_NAME HELMS ADDRESS 1965 5TH STREET LANE N.W. CITY HICKORY STATE NC ZIP 286010000 MORT $41,000.00 BAL $40,793.96 RATE 9.6000 PAI $430.61 CLTV 50.226 MATURITY 120926 FEE 0.5000 LOAN 0000021854146 LAST_NAME REED ADDRESS 1929 S. TRUMBULL CITY CHICAGO STATE IL ZIP 606230000 MORT $85,000.00 BAL $84,957.38 RATE 9.4500 PAI $711.63 CLTV 85.000 MATURITY 121010 FEE 0.5000 LOAN 0000021854161 LAST_NAME GRANGER ADDRESS 408 S JAMES CITY CARLSBAD STATE NM ZIP 882200000 MORT $34,650.00 BAL $34,558.34 RATE 10.0000 PAI $334.39 CLTV 90.000 MATURITY 170915 FEE 0.5000 LOAN 0000021854187 LAST_NAME JOHNSON ADDRESS 5034 S. 3600 WEST CITY TAYLORSVILL STATE UT ZIP 841180000 MORT $70,000.00 BAL $69,771.67 RATE 8.3500 PAI $600.85 CLTV 66.666 MATURITY 170829 FEE 0.5000 LOAN 0000021854229 LAST_NAME TROUBLEFIELD ADDRESS 1401 MERCHANT CITY ARTESIA STATE NM ZIP 882100000 MORT $41,600.00 BAL $41,562.26 RATE 8.9000 PAI $346.27 CLTV 80.000 MATURITY 220910 FEE 0.5000 LOAN 0000021854245 LAST_NAME FAIR ADDRESS 32041 LODGEPOLE DR CITY EVERGREEN STATE CO ZIP 804390000 MORT $189,000.00 BAL $188,610.84 RATE 9.7500 PAI $1,623.81 CLTV 90.000 MATURITY 271006 FEE 0.5000 LOAN 0000021854252 LAST_NAME HINKS ADDRESS 26529 HELSENE ROAD CITY WEBSTER STATE WI ZIP 548930000 MORT $59,600.00 BAL $58,957.05 RATE 8.3000 PAI $732.60 CLTV 80.000 MATURITY 70926 FEE 0.5000 LOAN 0000021854286 LAST_NAME LITMAN ADDRESS 408 W BRENTWOOD AVENUE CITY MOUNDSVILLE STATE WV ZIP 260410000 MORT $67,050.00 BAL $66,848.46 RATE 9.0000 PAI $603.27 CLTV 90.000 MATURITY 170919 FEE 0.5000 LOAN 0000021854534 LAST_NAME THOMASON ADDRESS 1109 WILLOW PLACE CITY YUKON STATE OK ZIP 730990000 MORT $48,000.00 BAL $47,728.93 RATE 8.3000 PAI $467.07 CLTV 80.000 MATURITY 120917 FEE 0.5000 LOAN 0000021854708 LAST_NAME HOGUE ADDRESS 244 SW 6TH AVE CITY HICKORY STATE NC ZIP 286020000 MORT $38,000.00 BAL $37,896.86 RATE 9.8000 PAI $361.69 CLTV 79.166 MATURITY 170902 FEE 0.5000 LOAN 0000021854773 LAST_NAME MILLER ADDRESS 831 BULLS BAY HIGHWAY CITY JACKSONVILL STATE FL ZIP 322200000 MORT $54,000.00 BAL $53,177.25 RATE 9.0000 PAI $485.86 CLTV 70.129 MATURITY 170929 FEE 0.5000 LOAN 0000021854781 LAST_NAME BURSE ADDRESS 33 TOPPER ROAD CITY IRONDEQUOIT STATE NY ZIP 146220000 MORT $25,000.00 BAL $24,921.46 RATE 8.6500 PAI $219.34 CLTV 35.714 MATURITY 170903 FEE 0.5000 LOAN 0000021854823 LAST_NAME COSENTINO ADDRESS 1501 S MIAMI ROAD CITY FT. LAUDERD STATE FL ZIP 333160000 MORT $47,800.00 BAL $47,553.17 RATE 9.3000 PAI $493.39 CLTV 80.000 MATURITY 120908 FEE 0.5000 LOAN 0000021854906 LAST_NAME BARKOFSKY ADDRESS 871 TERRY STREET CITY MONTEREY STATE CA ZIP 939400000 MORT $15,500.00 BAL $15,345.85 RATE 9.7500 PAI $202.70 CLTV 73.393 MATURITY 70929 FEE 0.5000 LOAN 0000021854948 LAST_NAME PIRES ADDRESS 6338 RIVER RIDGE CITY FAYETTEVILL STATE NC ZIP 283110000 MORT $14,038.00 BAL $14,038.00 RATE 10.1500 PAI $186.69 CLTV 60.313 MATURITY 71124 FEE 0.5000 LOAN 0000021854955 LAST_NAME SNYDER ADDRESS 758 FAIRWOOD ROAD CITY AKRON STATE OH ZIP 443190000 MORT $60,000.00 BAL $59,495.97 RATE 7.9000 PAI $646.19 CLTV 63.157 MATURITY 90917 FEE 0.5000 LOAN 0000021854971 LAST_NAME HERRICK ADDRESS 2465 LAIL ROAD CITY GLEN ALPINE STATE NC ZIP 286280000 MORT $7,000.00 BAL $7,000.00 RATE 9.6000 PAI $90.97 CLTV 67.892 MATURITY 71103 FEE 0.5000 LOAN 0000021854997 LAST_NAME HILL ADDRESS 4514 WINTERBOURNE DR CITY ETTRICK STATE VA ZIP 238030000 MORT $24,000.00 BAL $23,944.70 RATE 10.5000 PAI $265.30 CLTV 50.000 MATURITY 121029 FEE 0.5000 LOAN 0000021855077 LAST_NAME GRIFFIN ADDRESS 512 MODEL ST CITY DAYTONA BEA STATE FL ZIP 321140000 MORT $61,200.00 BAL $61,160.69 RATE 11.5000 PAI $606.06 CLTV 85.000 MATURITY 270923 FEE 0.5000 LOAN 0000021855085 LAST_NAME AUSLOOS ADDRESS 4685 PERSIMMON PLACE CITY SAN JOSE STATE CA ZIP 951290000 MORT $30,700.00 BAL $30,546.40 RATE 9.6500 PAI $323.37 CLTV 79.988 MATURITY 120922 FEE 0.5000 LOAN 0000021855101 LAST_NAME DUFFIE ADDRESS 12115 NORTH WEST 20TH CITY MIAMI STATE FL ZIP 331670000 MORT $17,150.00 BAL $17,109.18 RATE 10.1500 PAI $185.88 CLTV 69.942 MATURITY 120926 FEE 0.5000 LOAN 0000021855143 LAST_NAME SEUBERT ADDRESS 12450 MONSBROOK DRIVE CITY STERLING HE STATE MI ZIP 483120000 MORT $104,125.00 BAL $103,842.39 RATE 9.8000 PAI $991.08 CLTV 85.000 MATURITY 170915 FEE 0.5000 LOAN 0000021855150 LAST_NAME CALLAGHAN ADDRESS 9222 WEST CHESTER PIKE CITY UPPER DARBY STATE PA ZIP 190820000 MORT $85,000.00 BAL $84,896.64 RATE 8.5000 PAI $653.58 CLTV 77.272 MATURITY 270910 FEE 0.5000 LOAN 0000021855176 LAST_NAME BROWN ADDRESS 3117 KATHY COURT CITY DECATUR STATE IL ZIP 625210000 MORT $79,200.00 BAL $79,091.26 RATE 10.5500 PAI $727.44 CLTV 90.000 MATURITY 270902 FEE 0.5000 LOAN 0000021855242 LAST_NAME WIGGINS ADDRESS 6181 TURNER DRIVE CITY CLAYTON STATE IN ZIP 461180000 MORT $53,600.00 BAL $53,432.60 RATE 8.7000 PAI $471.97 CLTV 80.000 MATURITY 170917 FEE 0.5000 LOAN 0000021855358 LAST_NAME SESLAR ADDRESS 4041 HWY 56 CITY FRANKLINTON STATE NC ZIP 275250000 MORT $48,000.00 BAL $47,713.78 RATE 9.7500 PAI $508.49 CLTV 53.333 MATURITY 120904 FEE 0.5000 LOAN 0000021855580 LAST_NAME TROMBLEY ADDRESS 333 BUCKS CORNER ROAD CITY SARANAC STATE NY ZIP 129810000 MORT $60,350.00 BAL $60,301.81 RATE 10.5000 PAI $552.05 CLTV 85.000 MATURITY 120909 FEE 0.5000 LOAN 0000021855606 LAST_NAME KEEN ADDRESS 9974 HOGAN HOLLOW ROAD CITY TROUTVILLE STATE VA ZIP 241750000 MORT $47,700.00 BAL $47,647.68 RATE 9.0000 PAI $383.81 CLTV 90.000 MATURITY 120929 FEE 0.5000 LOAN 0000021855671 LAST_NAME WILBER ADDRESS 35 SIMMONS POND ROAD CITY COLEBROOK STATE CT ZIP 060210000 MORT $92,000.00 BAL $91,943.10 RATE 8.4000 PAI $700.90 CLTV 79.310 MATURITY 271008 FEE 0.5000 LOAN 0000021855853 LAST_NAME RHYNE ADDRESS 1898 ROSE MARIE CITY YULEE STATE FL ZIP 320970000 MORT $36,000.00 BAL $35,807.29 RATE 8.9000 PAI $363.00 CLTV 48.648 MATURITY 120917 FEE 0.5000 LOAN 0000021855911 LAST_NAME SCUTT ADDRESS 6299 TOWAR AVENUE CITY TOWNSHIP OF STATE MI ZIP 488230000 MORT $88,900.00 BAL $88,764.33 RATE 8.8500 PAI $791.31 CLTV 75.982 MATURITY 170924 FEE 0.5000 LOAN 0000021855994 LAST_NAME MERRITT ADDRESS 64 N POWELL ROAD CITY ELKRIDGE STATE UT ZIP 846510000 MORT $30,000.00 BAL $29,920.00 RATE 8.9000 PAI $302.50 CLTV 70.944 MATURITY 121001 FEE 0.5000 LOAN 0000021856158 LAST_NAME CERDA ADDRESS 22799 WIMPOLE STREET CITY MORENO VALL STATE CA ZIP 923880000 MORT $24,900.00 BAL $24,817.63 RATE 10.5000 PAI $275.25 CLTV 84.851 MATURITY 121024 FEE 0.5000 LOAN 0000021856166 LAST_NAME TACK ADDRESS 2429 NORSEN ROAD CITY ARCADIA STATE NY ZIP 145130000 MORT $48,000.00 BAL $47,848.26 RATE 8.6000 PAI $419.60 CLTV 80.000 MATURITY 170930 FEE 0.5000 LOAN 0000021856208 LAST_NAME FREMIN ADDRESS 413 FAIRINGTON LANE CITY CANTON STATE GA ZIP 301150000 MORT $25,000.00 BAL $24,902.43 RATE 9.6500 PAI $263.33 CLTV 77.594 MATURITY 121016 FEE 0.5000 LOAN 0000021856265 LAST_NAME DAVIS ADDRESS 1600 MARLEE ROAD CITY JACKSONVILL STATE FL ZIP 322590000 MORT $69,600.00 BAL $69,243.83 RATE 9.4000 PAI $722.59 CLTV 77.333 MATURITY 120904 FEE 0.5000 LOAN 0000021856323 LAST_NAME MAIRLOT ADDRESS 8963 NW 44TH CT. CITY SUNRISE STATE FL ZIP 333510000 MORT $17,000.00 BAL $16,872.66 RATE 10.9000 PAI $192.16 CLTV 78.559 MATURITY 120901 FEE 0.5000 LOAN 0000021856331 LAST_NAME MENDEZ ADDRESS 8771 W. PORT AU PRINCE LA CITY PEORIA STATE AZ ZIP 853810000 MORT $15,000.00 BAL $14,962.63 RATE 9.6500 PAI $158.00 CLTV 73.129 MATURITY 121010 FEE 0.5000 LOAN 0000021856380 LAST_NAME SCANLON ADDRESS 3622 176TH PLACE CITY LANSING STATE IL ZIP 604380000 MORT $12,500.00 BAL $12,500.00 RATE 9.6000 PAI $162.44 CLTV 68.537 MATURITY 71029 FEE 0.5000 LOAN 0000021856398 LAST_NAME PUTKA ADDRESS 26742 BAGLEY ROAD CITY OLMSTEAD FA STATE OH ZIP 441380000 MORT $146,000.00 BAL $145,515.52 RATE 8.4000 PAI $1,112.29 CLTV 79.132 MATURITY 120915 FEE 0.5000 LOAN 0000021856497 LAST_NAME ROUSE ADDRESS 482 BOGGY GUT ROAD CITY WINDSOR STATE SC ZIP 298560000 MORT $52,200.00 BAL $52,200.00 RATE 10.5000 PAI $521.16 CLTV 90.000 MATURITY 171107 FEE 0.5000 LOAN 0000021856539 LAST_NAME RUSHER ADDRESS 1240 N ST CLAIR AVENUE CITY OKLAHOMA CI STATE OK ZIP 731070000 MORT $29,600.00 BAL $29,497.90 RATE 7.9000 PAI $245.75 CLTV 80.000 MATURITY 170909 FEE 0.5000 LOAN 0000021856570 LAST_NAME DILL ADDRESS 14 SPRING STREET CITY NEW MILFORD STATE CT ZIP 067760000 MORT $49,000.00 BAL $48,829.93 RATE 7.8500 PAI $405.30 CLTV 44.545 MATURITY 170923 FEE 0.5000 LOAN 0000021856604 LAST_NAME PROFFETTA ADDRESS 2657 RODEO DRIVE CITY LORIDA STATE FL ZIP 338570000 MORT $18,400.00 BAL $18,302.38 RATE 9.0000 PAI $186.63 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021856620 LAST_NAME WILSON ADDRESS 83 COVENTRY CIRCLE CITY PISCATAWAY STATE NJ ZIP 088540000 MORT $181,800.00 BAL $181,800.00 RATE 10.7000 PAI $1,839.54 CLTV 90.000 MATURITY 170902 FEE 0.5000 LOAN 0000021856745 LAST_NAME BISKUP ADDRESS 24 CARTWAY LANE CITY BEDFORD STATE NY ZIP 105060000 MORT $299,000.00 BAL $298,578.11 RATE 9.7500 PAI $2,568.87 CLTV 84.225 MATURITY 270819 FEE 0.5000 LOAN 0000021856836 LAST_NAME BERSHENYI ADDRESS 2843 SOUTH MACON CIRCLE CITY AURORA STATE CO ZIP 800140000 MORT $39,326.00 BAL $39,227.58 RATE 9.6000 PAI $413.03 CLTV 73.221 MATURITY 121027 FEE 0.5000 LOAN 0000021856844 LAST_NAME ROBINSON ADDRESS 3822 BURCHARD DRIVE CITY DECATUR STATE IL ZIP 625260000 MORT $56,000.00 BAL $55,694.82 RATE 8.7000 PAI $558.04 CLTV 74.666 MATURITY 120908 FEE 0.5000 LOAN 0000021856851 LAST_NAME YANKEE ADDRESS 475 N. LINCOLN CITY BRAIDWOOD STATE IL ZIP 604080000 MORT $70,000.00 BAL $69,697.47 RATE 8.7000 PAI $616.37 CLTV 76.923 MATURITY 170912 FEE 0.5000 LOAN 0000021856984 LAST_NAME LABUNSKI ADDRESS 5616 WELLS CIRCLE CITY STONE MOUNT STATE GA ZIP 300870000 MORT $50,000.00 BAL $49,930.19 RATE 9.8000 PAI $431.41 CLTV 69.444 MATURITY 270826 FEE 0.5000 LOAN 0000021857016 LAST_NAME ROCK ADDRESS 230 EAST STREET CITY TOWNSHIP OF STATE PA ZIP 193820000 MORT $55,000.00 BAL $55,000.00 RATE 10.3500 PAI $602.87 CLTV 84.668 MATURITY 121028 FEE 0.5000 LOAN 0000021857099 LAST_NAME LITTLE ADDRESS 3008 NW 24TH STREET CITY OKLAHOMA CI STATE OK ZIP 731270000 MORT $67,500.00 BAL $67,465.37 RATE 9.3000 PAI $557.76 CLTV 90.000 MATURITY 271024 FEE 0.5000 LOAN 0000021857149 LAST_NAME MCELROY ADDRESS 52 PETE DAVIS ROAD CITY NEWNAN STATE GA ZIP 302630000 MORT $73,800.00 BAL $73,583.71 RATE 9.2000 PAI $673.53 CLTV 90.000 MATURITY 170908 FEE 0.5000 LOAN 0000021857248 LAST_NAME SIPES ADDRESS 2142 WESTFALL ROAD CITY BRIGHTON STATE NY ZIP 146180000 MORT $11,000.00 BAL $10,945.53 RATE 9.7500 PAI $143.85 CLTV 50.237 MATURITY 71020 FEE 0.5000 LOAN 0000021857263 LAST_NAME CURRENCE ADDRESS 302 STROUPE ROAD CITY GASTONIA STATE NC ZIP 280560000 MORT $30,400.00 BAL $30,239.43 RATE 9.0500 PAI $309.25 CLTV 80.000 MATURITY 120912 FEE 0.5000 LOAN 0000021857313 LAST_NAME SEYMOUR ADDRESS 231 TEMPLE CIRCLE CITY WINTER HAVE STATE FL ZIP 338800000 MORT $43,200.00 BAL $43,090.09 RATE 10.3000 PAI $425.52 CLTV 80.000 MATURITY 170909 FEE 0.5000 LOAN 0000021857354 LAST_NAME WILLOUGHBY ADDRESS 43 BLUE BIRD TRAIL CITY DELTA STATE PA ZIP 173140000 MORT $126,000.00 BAL $126,000.00 RATE 9.4500 PAI $1,170.38 CLTV 90.000 MATURITY 171121 FEE 0.5000 LOAN 0000021857370 LAST_NAME ADKINS ADDRESS 7211 NW 115TH ST CITY CHIEFLAND STATE FL ZIP 326440000 MORT $71,000.00 BAL $70,819.04 RATE 9.4000 PAI $737.13 CLTV 84.523 MATURITY 120922 FEE 0.5000 LOAN 0000021857388 LAST_NAME NEWGARD ADDRESS 6535 DEFRAME WAY CITY ARVADA STATE CO ZIP 800040000 MORT $15,000.00 BAL $14,979.60 RATE 9.7500 PAI $142.28 CLTV 72.477 MATURITY 171003 FEE 0.5000 LOAN 0000021857396 LAST_NAME HELMS ADDRESS 9006 JAMES MADISON HIGHWA CITY WARRENTON STATE VA ZIP 201860000 MORT $105,120.00 BAL $104,845.86 RATE 9.2000 PAI $1,078.74 CLTV 90.000 MATURITY 120929 FEE 0.5000 LOAN 0000021857404 LAST_NAME CANALES ADDRESS 508 S 2ND CITY ARTESIA STATE NM ZIP 882100000 MORT $56,000.00 BAL $55,939.85 RATE 9.1000 PAI $454.63 CLTV 75.778 MATURITY 270926 FEE 0.5000 LOAN 0000021857438 LAST_NAME SWISHER ADDRESS 3968 JEN LEE DRIVE CITY TOWNSHIP OF STATE OH ZIP 454150000 MORT $72,000.00 BAL $71,702.33 RATE 9.2000 PAI $657.10 CLTV 90.000 MATURITY 170909 FEE 0.5000 LOAN 0000021857495 LAST_NAME CARRILLO ADDRESS 1406 W EDWARDS CITY CARLSBAD STATE NM ZIP 882200000 MORT $40,375.00 BAL $40,360.10 RATE 11.0000 PAI $384.51 CLTV 85.000 MATURITY 271001 FEE 0.5000 LOAN 0000021857537 LAST_NAME SANDIFORD ADDRESS 1451 CANE RD CITY TALLAHASSEE STATE FL ZIP 323100000 MORT $54,000.00 BAL $53,692.69 RATE 9.4000 PAI $499.83 CLTV 76.056 MATURITY 170902 FEE 0.5000 LOAN 0000021857644 LAST_NAME NEU ADDRESS 8510 EDGEWOOD DRIVE CITY HAUGHTON STATE LA ZIP 710370000 MORT $76,000.00 BAL $75,354.00 RATE 8.3000 PAI $739.52 CLTV 80.000 MATURITY 120902 FEE 0.5000 LOAN 0000021857651 LAST_NAME BROWN ADDRESS 11187 MAMMOTH DRIVE CITY ST LOUIS STATE MO ZIP 631360000 MORT $20,000.00 BAL $19,953.92 RATE 10.5000 PAI $221.08 CLTV 71.006 MATURITY 121029 FEE 0.5000 LOAN 0000021857826 LAST_NAME BAKER ADDRESS 1714 N KANSAS CITY ROSWELL STATE NM ZIP 882010000 MORT $27,200.00 BAL $27,200.00 RATE 9.0500 PAI $219.84 CLTV 80.000 MATURITY 121103 FEE 0.5000 LOAN 0000021857859 LAST_NAME FOSTER ADDRESS 24 CENTRAL AVENUE CITY PLYMOUTH STATE MA ZIP 023600000 MORT $79,500.00 BAL $79,157.09 RATE 9.6000 PAI $746.24 CLTV 65.702 MATURITY 170815 FEE 0.5000 LOAN 0000021857990 LAST_NAME RICHARDSON ADDRESS 1509 BALTIMORE ROAD CITY ALEXANDRIA STATE VA ZIP 223080000 MORT $148,000.00 BAL $147,286.83 RATE 8.5000 PAI $1,284.38 CLTV 80.000 MATURITY 170904 FEE 0.5000 LOAN 0000021858030 LAST_NAME CARBERRY ADDRESS 1271/2 NORTH ELMIRA STREE CITY ATHENS STATE PA ZIP 188100000 MORT $59,200.00 BAL $59,134.40 RATE 8.9500 PAI $474.21 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021858188 LAST_NAME DAVIS ADDRESS 1011 13TH AVENUE CITY BELMAR STATE NJ ZIP 077190000 MORT $72,000.00 BAL $71,890.84 RATE 8.9900 PAI $729.84 CLTV 80.000 MATURITY 120911 FEE 0.5000 LOAN 0000021858253 LAST_NAME WHEELER ADDRESS 532 TETON DRIVE CITY FARMINGTON STATE NM ZIP 874010000 MORT $50,000.00 BAL $50,000.00 RATE 10.3500 PAI $548.06 CLTV 81.569 MATURITY 121107 FEE 0.5000 LOAN 0000021858303 LAST_NAME JOHNSON ADDRESS 1440 G STREET, SE CITY WASHINGTON STATE DC ZIP 200030000 MORT $50,000.00 BAL $49,892.83 RATE 11.6000 PAI $536.66 CLTV 38.759 MATURITY 170915 FEE 0.5000 LOAN 0000021858337 LAST_NAME BARBER ADDRESS 21345 COBLEE LANE CITY RICHARDSVIL STATE VA ZIP 227360000 MORT $89,144.00 BAL $89,144.00 RATE 9.6500 PAI $938.95 CLTV 41.462 MATURITY 121027 FEE 0.5000 LOAN 0000021858345 LAST_NAME MONTOYA ADDRESS 401 NEVADA CITY LAKE ARTHUR STATE NM ZIP 882530000 MORT $18,000.00 BAL $17,976.29 RATE 10.0000 PAI $173.71 CLTV 85.714 MATURITY 170915 FEE 0.5000 LOAN 0000021858352 LAST_NAME SMITHSON ADDRESS 4537 MALIK CRESCENT CITY ORLANDO, STATE FL ZIP 328100000 MORT $16,396.00 BAL $16,373.84 RATE 9.8000 PAI $156.06 CLTV 84.999 MATURITY 171010 FEE 0.5000 LOAN 0000021858634 LAST_NAME KREWSON ADDRESS 2177 1000 N. CITY SIDNEY STATE IL ZIP 618770000 MORT $68,000.00 BAL $67,442.11 RATE 8.7000 PAI $677.62 CLTV 80.000 MATURITY 120902 FEE 0.5000 LOAN 0000021858857 LAST_NAME MACDONALD ADDRESS 22 ALICE STREET CITY MERRICK STATE NY ZIP 115660000 MORT $20,000.00 BAL $19,944.96 RATE 8.5500 PAI $197.54 CLTV 12.578 MATURITY 121105 FEE 0.5000 LOAN 0000021858980 LAST_NAME MARTIN ADDRESS 3304 KINGS LANE CITY NASHVILLE STATE TN ZIP 372180000 MORT $35,000.00 BAL $35,000.00 RATE 8.5000 PAI $344.66 CLTV 54.687 MATURITY 121117 FEE 0.5000 LOAN 0000021859277 LAST_NAME REVELL ADDRESS 560 REVELL ROAD CITY SELMA STATE NC ZIP 272560000 MORT $77,000.00 BAL $76,902.45 RATE 8.3000 PAI $581.19 CLTV 78.571 MATURITY 270915 FEE 0.5000 LOAN 0000021859285 LAST_NAME SMITH ADDRESS 6465 GROVE ROAD CITY CLINTON STATE OH ZIP 442160000 MORT $76,000.00 BAL $75,563.15 RATE 8.1000 PAI $730.69 CLTV 80.000 MATURITY 120908 FEE 0.5000 LOAN 0000021859293 LAST_NAME HAYSLIP ADDRESS 695 ERIS ROAD CITY MAD RIVER T STATE OH ZIP 430780000 MORT $73,600.00 BAL $73,006.55 RATE 8.5000 PAI $817.01 CLTV 80.000 MATURITY 90923 FEE 0.5000 LOAN 0000021859319 LAST_NAME GRANT ADDRESS 3795 JENKINS ROAD CITY CLOVER STATE SC ZIP 297100000 MORT $120,000.00 BAL $119,854.09 RATE 8.5000 PAI $922.70 CLTV 80.000 MATURITY 120908 FEE 0.5000 LOAN 0000021859475 LAST_NAME EVERETT ADDRESS 194 SHIPP LAKE DR CITY ROCK SPRING STATE GA ZIP 307390000 MORT $49,200.00 BAL $48,829.32 RATE 9.6500 PAI $518.22 CLTV 80.000 MATURITY 120729 FEE 0.5000 LOAN 0000021859517 LAST_NAME GILMAN ADDRESS 7863 CHILLICOTHE ROAD CITY KIRTLAND STATE OH ZIP 440940000 MORT $59,600.00 BAL $59,600.00 RATE 9.3500 PAI $494.64 CLTV 80.000 MATURITY 271121 FEE 0.5000 LOAN 0000021859616 LAST_NAME SHIRLEY ADDRESS 4071 OAK STONE DRIVE CITY DOUGALSVILL STATE GA ZIP 301350000 MORT $15,000.00 BAL $14,928.23 RATE 10.3500 PAI $201.15 CLTV 82.690 MATURITY 71028 FEE 0.5000 LOAN 0000021859640 LAST_NAME CHAPMAN ADDRESS 315 NORTON AVENUE CITY ENDWELL STATE NY ZIP 137600000 MORT $63,000.00 BAL $62,681.94 RATE 9.5500 PAI $659.77 CLTV 69.230 MATURITY 120929 FEE 0.5000 LOAN 0000021859756 LAST_NAME HARRISON ADDRESS 123 STRATFORD CITY SUMMERVILLE STATE SC ZIP 294850000 MORT $46,425.00 BAL $45,964.56 RATE 9.8000 PAI $608.38 CLTV 36.269 MATURITY 70912 FEE 0.5000 LOAN 0000021859798 LAST_NAME FUDZINSKI ADDRESS 6268 NE APACHE PLUME ROAD CITY RIO RANCHO STATE NM ZIP 871240000 MORT $49,000.00 BAL $48,771.11 RATE 10.4000 PAI $538.62 CLTV 84.729 MATURITY 120916 FEE 0.5000 LOAN 0000021859863 LAST_NAME EMERT ADDRESS 13811 JOHN CASSON AVE. CITY HUDSON STATE FL ZIP 346670000 MORT $41,000.00 BAL $40,953.62 RATE 8.8500 PAI $325.48 CLTV 40.594 MATURITY 120908 FEE 0.5000 LOAN 0000021859970 LAST_NAME BUSH ADDRESS 4801 PAUL BUCHMAN HWY CITY PLANT CITY STATE FL ZIP 335650000 MORT $44,000.00 BAL $43,876.69 RATE 9.5500 PAI $411.58 CLTV 77.192 MATURITY 170908 FEE 0.5000 LOAN 0000021860143 LAST_NAME DWYER ADDRESS 3184 PRIMROSE CITY ROCHESTER H STATE MI ZIP 483070000 MORT $25,000.00 BAL $24,876.20 RATE 9.7500 PAI $326.93 CLTV 77.777 MATURITY 71001 FEE 0.5000 LOAN 0000021860192 LAST_NAME GARTHWAITE ADDRESS 1509 BUSH CITY ARTESIA STATE NM ZIP 882100000 MORT $35,280.00 BAL $35,194.24 RATE 10.6500 PAI $355.80 CLTV 72.000 MATURITY 170919 FEE 0.5000 LOAN 0000021860283 LAST_NAME GAINEY ADDRESS BOX 369 CITY SANDERSON STATE FL ZIP 320870000 MORT $44,000.00 BAL $43,645.37 RATE 8.9000 PAI $443.67 CLTV 80.000 MATURITY 120904 FEE 0.5000 LOAN 0000021860291 LAST_NAME INGLIS ADDRESS 2222 PAMELA ROAD CITY YULEE STATE FL ZIP 320970000 MORT $62,900.00 BAL $62,562.48 RATE 10.1500 PAI $681.72 CLTV 85.000 MATURITY 120923 FEE 0.5000 LOAN 0000021860556 LAST_NAME BRICE ADDRESS 6300 STOKER DRIVE CITY BESSEMER STATE AL ZIP 350230000 MORT $77,400.00 BAL $77,331.97 RATE 10.0500 PAI $682.10 CLTV 90.000 MATURITY 120829 FEE 0.5000 LOAN 0000021860598 LAST_NAME RUSH ADDRESS 15-17 TOXTETH STREET CITY BROOKLINE STATE MA ZIP 021460000 MORT $35,000.00 BAL $35,000.00 RATE 9.8000 PAI $333.14 CLTV 59.296 MATURITY 171112 FEE 0.5000 LOAN 0000021860663 LAST_NAME FRANKE ADDRESS 7425 CYNTHIA CT CITY PORT RICHEY STATE FL ZIP 346680000 MORT $35,200.00 BAL $35,099.43 RATE 9.4000 PAI $325.82 CLTV 80.000 MATURITY 170902 FEE 0.5000 LOAN 0000021860689 LAST_NAME MESCHER ADDRESS 243 BEECHWOOD ROAD CITY FORT MITCHE STATE KY ZIP 410170000 MORT $88,000.00 BAL $87,942.14 RATE 8.1000 PAI $651.86 CLTV 63.768 MATURITY 120923 FEE 0.5000 LOAN 0000021860705 LAST_NAME GUINN ADDRESS 5823 WOODWARD ROAD CITY MOUNT OLIVE STATE AL ZIP 351170000 MORT $15,000.00 BAL $14,925.08 RATE 9.6000 PAI $194.92 CLTV 60.940 MATURITY 71022 FEE 0.5000 LOAN 0000021860796 LAST_NAME COWAN ADDRESS 325 SOUTH CLEVELAND CITY CUSHING STATE OK ZIP 740230000 MORT $35,200.00 BAL $35,143.85 RATE 8.5000 PAI $305.48 CLTV 80.000 MATURITY 171007 FEE 0.5000 LOAN 0000021860804 LAST_NAME TRYON ADDRESS 1115 SPAIN DRIVE CITY STAFFORD STATE VA ZIP 225540000 MORT $17,000.00 BAL $16,957.84 RATE 9.7000 PAI $179.58 CLTV 74.639 MATURITY 121015 FEE 0.5000 LOAN 0000021860853 LAST_NAME LEVNO ADDRESS 101 LONE DOVE LANE CITY YAKIMA STATE WA ZIP 989030000 MORT $30,000.00 BAL $30,000.00 RATE 9.6000 PAI $389.84 CLTV 72.000 MATURITY 71107 FEE 0.5000 LOAN 0000021860911 LAST_NAME MARCOTTE ADDRESS 4 DUSTY ROAD CITY CORINTH STATE NY ZIP 128220000 MORT $52,000.00 BAL $51,943.19 RATE 9.1000 PAI $422.16 CLTV 80.000 MATURITY 120916 FEE 0.5000 LOAN 0000021860937 LAST_NAME CASH ADDRESS 4600 VAN NOORD AVE CITY CITY OF LOS STATE CA ZIP 914230000 MORT $91,500.00 BAL $91,373.11 RATE 9.6000 PAI $858.89 CLTV 79.976 MATURITY 171020 FEE 0.5000 LOAN 0000021860952 LAST_NAME LEWIS ADDRESS 1909 SOUTHERN AVENUE CITY KALAMAZOO STATE MI ZIP 490010000 MORT $64,000.00 BAL $63,795.12 RATE 8.5000 PAI $555.41 CLTV 80.000 MATURITY 170917 FEE 0.5000 LOAN 0000021861018 LAST_NAME WEBB ADDRESS 3221 WILLARD DRIVE CITY FAYETTEVILL STATE NC ZIP 283010000 MORT $50,000.00 BAL $50,000.00 RATE 9.5000 PAI $466.07 CLTV 70.422 MATURITY 171113 FEE 0.5000 LOAN 0000021861240 LAST_NAME SELL ADDRESS 5876 FERNWOOD STREET CITY SHOREVIEW STATE MN ZIP 551260000 MORT $36,700.00 BAL $36,614.66 RATE 10.4000 PAI $403.41 CLTV 84.736 MATURITY 121014 FEE 0.5000 LOAN 0000021861398 LAST_NAME BARRERA ADDRESS 1412 S 49TH CT CITY CICERO STATE IL ZIP 608040000 MORT $76,000.00 BAL $75,914.02 RATE 8.8500 PAI $603.33 CLTV 75.247 MATURITY 120915 FEE 0.5000 LOAN 0000021861786 LAST_NAME PEDROZA ADDRESS 2709 MONTE VISTA CITY CARLSBAD STATE NM ZIP 882200000 MORT $32,000.00 BAL $31,956.75 RATE 9.8000 PAI $304.58 CLTV 78.048 MATURITY 170929 FEE 0.5000 LOAN 0000021862024 LAST_NAME ARNOLD ADDRESS 2102 E 38TH STREET CITY STERLING STATE IL ZIP 610810000 MORT $24,990.00 BAL $24,990.00 RATE 9.6500 PAI $325.43 CLTV 76.464 MATURITY 71029 FEE 0.5000 LOAN 0000021862719 LAST_NAME RICHARDSON ADDRESS P.O. BOX 286 CITY BRENT STATE AL ZIP 350340000 MORT $73,100.00 BAL $73,039.74 RATE 10.3500 PAI $660.49 CLTV 85.000 MATURITY 120903 FEE 0.5000 LOAN 0000021862883 LAST_NAME BURGESS ADDRESS 27 GRANDVIEW ST CITY GRANITE FAL STATE NC ZIP 286300000 MORT $12,717.00 BAL $12,564.09 RATE 10.3000 PAI $170.18 CLTV 85.000 MATURITY 70912 FEE 0.5000 LOAN 0000021862974 LAST_NAME RAMEY ADDRESS 4001 ALDINE ROAD CITY CATHARPIN STATE VA ZIP 220180000 MORT $309,200.00 BAL $309,200.00 RATE 7.7500 PAI $2,215.15 CLTV 80.000 MATURITY 121110 FEE 0.5000 LOAN 0000021863568 LAST_NAME SMITH ADDRESS 12293 SE 87TH TERRACE CITY BELLEVIEW STATE FL ZIP 344200000 MORT $28,000.00 BAL $27,800.62 RATE 8.6000 PAI $277.38 CLTV 65.116 MATURITY 120902 FEE 0.5000 LOAN 0000021863717 LAST_NAME LANCASTER ADDRESS 2742 CRANMOOR DR. CITY KISSIMMEE STATE FL ZIP 347580000 MORT $51,600.00 BAL $51,313.76 RATE 9.6000 PAI $437.66 CLTV 80.000 MATURITY 270908 FEE 0.5000 LOAN 0000021863808 LAST_NAME SPANN ADDRESS 112 FABYAN WOODSTOCK ROAD CITY THOMPSON STATE CT ZIP 062550000 MORT $120,000.00 BAL $119,861.40 RATE 8.7500 PAI $944.05 CLTV 75.000 MATURITY 270903 FEE 0.5000 LOAN 0000021863931 LAST_NAME ALLEN ADDRESS 8776 MATSUMOTO COURT CITY VALLEY SPRI STATE CA ZIP 952520000 MORT $30,486.00 BAL $30,410.05 RATE 9.6500 PAI $321.11 CLTV 68.468 MATURITY 121007 FEE 0.5000 LOAN 0000021864079 LAST_NAME GLOVER ADDRESS 207 STEEP BANK DRIVE CITY CARY STATE NC ZIP 275110000 MORT $184,500.00 BAL $184,334.32 RATE 9.9500 PAI $1,612.31 CLTV 79.525 MATURITY 120901 FEE 0.5000 LOAN 0000021864111 LAST_NAME HARRIS ADDRESS 7732 S CASA VERDE ST CITY MIDVALE STATE UT ZIP 840470000 MORT $124,800.00 BAL $124,740.52 RATE 9.6500 PAI $1,063.08 CLTV 80.000 MATURITY 270924 FEE 0.5000 LOAN 0000021864145 LAST_NAME PEREZ ADDRESS 418 SUMMIT ST CITY JOLIET STATE IL ZIP 604350000 MORT $86,400.00 BAL $86,159.04 RATE 8.4000 PAI $845.76 CLTV 80.000 MATURITY 121020 FEE 0.5000 LOAN 0000021864228 LAST_NAME RAVENSCRAFT ADDRESS 807 MARGARET AVENUE CITY RISING SUN STATE IN ZIP 470400000 MORT $68,800.00 BAL $68,745.50 RATE 10.5500 PAI $631.92 CLTV 80.000 MATURITY 120904 FEE 0.5000 LOAN 0000021864400 LAST_NAME PARCELL ADDRESS 7422 CARMINE STREET CITY ANNANDALE STATE VA ZIP 220030000 MORT $156,800.00 BAL $156,298.07 RATE 8.5000 PAI $1,360.75 CLTV 80.000 MATURITY 170916 FEE 0.5000 LOAN 0000021864574 LAST_NAME KRUMREI ADDRESS 13922 HAWICK DRIVE CITY EL CAJON STATE CA ZIP 920210000 MORT $26,650.00 BAL $26,382.58 RATE 9.7500 PAI $282.33 CLTV 78.949 MATURITY 121014 FEE 0.5000 LOAN 0000021864905 LAST_NAME TUTTLE ADDRESS 953 EAST 6TH STREET CITY CUSHING STATE OK ZIP 740230000 MORT $38,400.00 BAL $38,400.00 RATE 8.3000 PAI $328.40 CLTV 80.000 MATURITY 171119 FEE 0.5000 LOAN 0000021865076 LAST_NAME HILL ADDRESS 5456 S. WALDEN GLEN DR. CITY MURRAY STATE UT ZIP 841230000 MORT $104,500.00 BAL $104,368.42 RATE 9.4500 PAI $874.89 CLTV 84.959 MATURITY 120917 FEE 0.5000 LOAN 0000021865126 LAST_NAME INGRAM ADDRESS 185 BELLA VISTA TERR. CITY BUENA VISTA STATE NJ ZIP 083260000 MORT $48,800.00 BAL $48,771.15 RATE 9.6000 PAI $413.90 CLTV 73.939 MATURITY 270902 FEE 0.5000 LOAN 0000021865233 LAST_NAME ORQUIZ ADDRESS 30 BILLY DRIVE CITY ARTESIA STATE NM ZIP 882100000 MORT $38,700.00 BAL $38,604.70 RATE 10.5500 PAI $387.68 CLTV 87.954 MATURITY 170829 FEE 0.5000 LOAN 0000021865332 LAST_NAME HILL ADDRESS 714 MILLVILLE AVENUE CITY HAMILTON STATE OH ZIP 450130000 MORT $13,000.00 BAL $12,984.06 RATE 10.5500 PAI $130.23 CLTV 78.925 MATURITY 171020 FEE 0.5000 LOAN 0000021865456 LAST_NAME LAHTI ADDRESS 3318 W LAKEFIELD DRIVE CITY CITY OF MIL STATE WI ZIP 532150000 MORT $18,000.00 BAL $18,000.00 RATE 9.6000 PAI $189.05 CLTV 57.505 MATURITY 121103 FEE 0.5000 LOAN 0000021865712 LAST_NAME JOE ADDRESS 400 MALLARD DRIVE CITY PARISH OF L STATE LA ZIP 705070000 MORT $10,000.00 BAL $10,000.00 RATE 9.8500 PAI $95.52 CLTV 51.364 MATURITY 171101 FEE 0.5000 LOAN 0000021865910 LAST_NAME ARAGON ADDRESS 1502 AVENIDA DE LAS AMERI CITY SANTA FE STATE NM ZIP 875050000 MORT $17,000.00 BAL $16,985.84 RATE 10.3000 PAI $152.97 CLTV 84.290 MATURITY 120908 FEE 0.5000 LOAN 0000021866009 LAST_NAME CHASTEEN ADDRESS 318 PIERCE STREET CITY AURORA STATE IL ZIP 605050000 MORT $60,000.00 BAL $59,967.56 RATE 9.0500 PAI $484.94 CLTV 74.074 MATURITY 271001 FEE 0.5000 LOAN 0000021866082 LAST_NAME BABICEK ADDRESS 606 ANSON ROAD CITY TOWN OF UNI STATE NY ZIP 137600000 MORT $70,200.00 BAL $69,994.27 RATE 9.2000 PAI $640.67 CLTV 90.000 MATURITY 170923 FEE 0.5000 LOAN 0000021866090 LAST_NAME PARENTE ADDRESS 840 WEST STREET CITY MANSFIELD STATE MA ZIP 020480000 MORT $37,500.00 BAL $37,272.44 RATE 8.7500 PAI $295.02 CLTV 25.000 MATURITY 270904 FEE 0.5000 LOAN 0000021866132 LAST_NAME FEDELE ADDRESS 14 LAKESHORE DR CITY PLATTSBURGH STATE NY ZIP 129010000 MORT $100,800.00 BAL $100,800.00 RATE 8.4500 PAI $771.50 CLTV 80.000 MATURITY 121104 FEE 0.5000 LOAN 0000021866264 LAST_NAME MOSES ADDRESS 1724 WEST DOG RIVER ROAD CITY MOBILE STATE AL ZIP 366050000 MORT $34,000.00 BAL $33,826.80 RATE 9.4500 PAI $354.01 CLTV 80.000 MATURITY 120902 FEE 0.5000 LOAN 0000021866272 LAST_NAME BYERS ADDRESS 224 BALLYMORE ROAD CITY SPRINGFIELD STATE PA ZIP 190640000 MORT $108,000.00 BAL $107,798.14 RATE 9.8000 PAI $931.85 CLTV 90.000 MATURITY 120701 FEE 0.5000 LOAN 0000021866306 LAST_NAME BLANCOVICH ADDRESS 8 BEVERLY PLACE CITY NEW HARTFOR STATE NY ZIP 135010000 MORT $34,000.00 BAL $34,000.00 RATE 9.3000 PAI $312.50 CLTV 60.714 MATURITY 171104 FEE 0.5000 LOAN 0000021866348 LAST_NAME ALEXANDER ADDRESS 2947 GOHN DRIVE CITY TOWNSHIP OF STATE PA ZIP 190900000 MORT $120,250.00 BAL $120,198.47 RATE 10.1500 PAI $1,068.64 CLTV 89.074 MATURITY 271008 FEE 0.5000 LOAN 0000021866421 LAST_NAME BUCHANIN ADDRESS 2418 RAMBLER ROAD CITY WILMINGTON STATE DE ZIP 198100000 MORT $90,000.00 BAL $89,046.17 RATE 8.5000 PAI $781.04 CLTV 66.666 MATURITY 170501 FEE 0.5000 LOAN 0000021866447 LAST_NAME BUCCELLI ADDRESS 15 CHANDLER AVENUE CITY WALPOLE STATE MA ZIP 020810000 MORT $129,600.00 BAL $129,225.03 RATE 9.3000 PAI $1,191.16 CLTV 80.000 MATURITY 170919 FEE 0.5000 LOAN 0000021866454 LAST_NAME LEVERETT ADDRESS 230 WATERS WAY CITY MARTINEZ STATE GA ZIP 309070000 MORT $74,000.00 BAL $73,209.69 RATE 8.5000 PAI $917.50 CLTV 80.000 MATURITY 70924 FEE 0.5000 LOAN 0000021866470 LAST_NAME ALTMAN ADDRESS 10 HULL STREET CITY CHARLESTON STATE SC ZIP 294050000 MORT $22,500.00 BAL $22,500.00 RATE 8.6500 PAI $197.41 CLTV 40.178 MATURITY 171113 FEE 0.5000 LOAN 0000021866512 LAST_NAME SWOPE ADDRESS 25 SMITHWOLD ROAD CITY FRANKLIN STATE NJ ZIP 088520000 MORT $193,200.00 BAL $192,717.27 RATE 9.5000 PAI $1,624.53 CLTV 80.000 MATURITY 270701 FEE 0.5000 LOAN 0000021866819 LAST_NAME LOPEZ ADDRESS 2373 IRONTON ST CITY AURORA STATE CO ZIP 800100000 MORT $84,150.00 BAL $84,110.74 RATE 9.7500 PAI $722.98 CLTV 85.000 MATURITY 120923 FEE 0.5000 LOAN 0000021866900 LAST_NAME GIARRUSSO ADDRESS 25 CARDINAL STREET CITY WARWICK STATE RI ZIP 028860000 MORT $31,583.00 BAL $31,442.79 RATE 10.9500 PAI $357.98 CLTV 84.999 MATURITY 120904 FEE 0.5000 LOAN 0000021866918 LAST_NAME GRIFFITHS ADDRESS 1498 LARCHMONT ROAD CITY CLEVELAND STATE OH ZIP 441100000 MORT $67,500.00 BAL $67,325.99 RATE 10.3500 PAI $667.12 CLTV 90.000 MATURITY 170909 FEE 0.5000 LOAN 0000021866959 LAST_NAME SIWIRSKI ADDRESS 604 PINE STREET CITY VILLAGE OF STATE MI ZIP 496290000 MORT $97,600.00 BAL $97,082.21 RATE 9.0000 PAI $989.93 CLTV 80.000 MATURITY 120903 FEE 0.5000 LOAN 0000021866967 LAST_NAME MADISON ADDRESS 1319 AVE G CITY COUNCIL BLU STATE IA ZIP 515010000 MORT $52,000.00 BAL $51,948.65 RATE 9.5000 PAI $437.24 CLTV 77.037 MATURITY 120910 FEE 0.5000 LOAN 0000021867015 LAST_NAME SCHAFER ADDRESS 2053 S. GLEBE ROAD CITY ARLINGTON STATE VA ZIP 222040000 MORT $140,000.00 BAL $139,915.19 RATE 8.5000 PAI $1,076.48 CLTV 80.000 MATURITY 120926 FEE 0.5000 LOAN 0000021867023 LAST_NAME HAGEN ADDRESS 809 EAST 31ST STREET CITY DURANGO STATE CO ZIP 813010000 MORT $160,000.00 BAL $159,783.59 RATE 9.9500 PAI $1,398.21 CLTV 72.727 MATURITY 120825 FEE 0.5000 LOAN 0000021867056 LAST_NAME WEIST ADDRESS 82-84 CHERRY ST. CITY PITTSBURGH STATE PA ZIP 152230000 MORT $39,000.00 BAL $38,879.02 RATE 8.7500 PAI $344.65 CLTV 70.909 MATURITY 170924 FEE 0.5000 LOAN 0000021867072 LAST_NAME CENNAMO ADDRESS 19 GARDENIA DR. CITY COMMACK STATE NY ZIP 117250000 MORT $180,000.00 BAL $179,239.04 RATE 9.5500 PAI $1,683.72 CLTV 90.000 MATURITY 170829 FEE 0.5000 LOAN 0000021867106 LAST_NAME NORWOOD ADDRESS 3156 TREETOP DRIVE CITY RALEIGH STATE NC ZIP 275870000 MORT $67,500.00 BAL $67,411.68 RATE 10.0500 PAI $653.63 CLTV 90.000 MATURITY 171001 FEE 0.5000 LOAN 0000021867148 LAST_NAME WATSON ADDRESS 10108 N. 11TH STREET CITY TAMPA STATE FL ZIP 336120000 MORT $69,750.00 BAL $69,750.00 RATE 9.7500 PAI $661.60 CLTV 90.000 MATURITY 171029 FEE 0.5000 LOAN 0000021867189 LAST_NAME CRATTY ADDRESS 821 RT 4 CITY HERTFORD STATE NC ZIP 279440000 MORT $10,000.00 BAL $10,000.00 RATE 9.6500 PAI $210.76 CLTV 52.911 MATURITY 21103 FEE 0.5000 LOAN 0000021867247 LAST_NAME MONTERO ADDRESS 7988 TINAJA LANE CITY CITY OF SAN STATE CA ZIP 921390000 MORT $24,040.00 BAL $23,921.35 RATE 9.8000 PAI $255.41 CLTV 79.999 MATURITY 120929 FEE 0.5000 LOAN 0000021867254 LAST_NAME SCALICE ADDRESS 1 CANADENSIS CORNERS CITY CANADENSIS STATE PA ZIP 183250000 MORT $80,000.00 BAL $79,204.54 RATE 9.6000 PAI $750.94 CLTV 63.241 MATURITY 170501 FEE 0.5000 LOAN 0000021867296 LAST_NAME TRAN ADDRESS 38534 NORTH 12TH STREET E CITY PALMDALE STATE CA ZIP 935500000 MORT $46,900.00 BAL $46,556.13 RATE 9.9500 PAI $502.56 CLTV 70.000 MATURITY 120901 FEE 0.5000 LOAN 0000021867338 LAST_NAME WILLIAMSON ADDRESS 8556 RUCKMAN AVE CITY JACKSONVILL STATE FL ZIP 322210000 MORT $48,800.00 BAL $48,558.08 RATE 9.7500 PAI $516.97 CLTV 84.992 MATURITY 120912 FEE 0.5000 LOAN 0000021867353 LAST_NAME VERMETTE ADDRESS 1394 CHURCH ROAD CITY BALDWINSVIL STATE NY ZIP 130270000 MORT $61,200.00 BAL $61,028.48 RATE 9.5500 PAI $572.47 CLTV 90.000 MATURITY 170917 FEE 0.5000 LOAN 0000021867379 LAST_NAME TRUMAN ADDRESS 1755 STUTTGART DRIVE CITY FAYETTEVILL STATE OH ZIP 451130000 MORT $137,600.00 BAL $137,600.00 RATE 9.7000 PAI $1,177.15 CLTV 80.000 MATURITY 121028 FEE 0.5000 LOAN 0000021867387 LAST_NAME VESSA ADDRESS 55 BAINTON STREET CITY YONKERS STATE NY ZIP 107040000 MORT $25,000.00 BAL $24,671.77 RATE 9.7000 PAI $264.09 CLTV 36.137 MATURITY 121024 FEE 0.5000 LOAN 0000021867411 LAST_NAME ROBINSON ADDRESS 1505 CASTLE PINKNEY RD CITY COLUMBIA STATE SC ZIP 292230000 MORT $68,000.00 BAL $67,644.07 RATE 9.1500 PAI $695.79 CLTV 78.612 MATURITY 120915 FEE 0.5000 LOAN 0000021867502 LAST_NAME BROWN ADDRESS 303 DAVIS AVENUE CITY STATEN ISLA STATE NY ZIP 103100000 MORT $92,000.00 BAL $91,631.43 RATE 9.9900 PAI $887.21 CLTV 68.148 MATURITY 170723 FEE 0.5000 LOAN 0000021867536 LAST_NAME HOLQUIST ADDRESS 10609 HARTMAN AVENUE CITY OMAHA STATE NE ZIP 681340000 MORT $71,400.00 BAL $71,202.44 RATE 9.6500 PAI $672.56 CLTV 85.000 MATURITY 170926 FEE 0.5000 LOAN 0000021867544 LAST_NAME KRIGBAUM ADDRESS 4100 GATEWAY ROAD CITY BETHEL ISLA STATE CA ZIP 945110000 MORT $15,000.00 BAL $14,850.82 RATE 9.8000 PAI $196.57 CLTV 24.843 MATURITY 70929 FEE 0.5000 LOAN 0000021867551 LAST_NAME STEINSDORFER ADDRESS 306 ARBOR DR. WEST CITY PALM HARBOR STATE FL ZIP 346830000 MORT $25,000.00 BAL $24,869.14 RATE 9.1500 PAI $255.81 CLTV 22.522 MATURITY 120909 FEE 0.5000 LOAN 0000021867569 LAST_NAME CACKOWSKI ADDRESS RD 5 PO BOX 194 CITY BRADENVILLE STATE PA ZIP 156200000 MORT $52,000.00 BAL $51,834.41 RATE 8.5500 PAI $452.92 CLTV 73.239 MATURITY 170908 FEE 0.5000 LOAN 0000021867668 LAST_NAME BURKETT ADDRESS 702 LINCOLN STREET CITY BOLIVAR STATE PA ZIP 159230000 MORT $59,500.00 BAL $59,411.47 RATE 9.0500 PAI $537.26 CLTV 85.000 MATURITY 170930 FEE 0.5000 LOAN 0000021867676 LAST_NAME HUDSON ADDRESS 6716 DOON AVENUE CITY CINCINNATI STATE OH ZIP 452130000 MORT $60,000.00 BAL $59,302.68 RATE 9.5500 PAI $506.70 CLTV 83.333 MATURITY 270916 FEE 0.5000 LOAN 0000021867742 LAST_NAME FERNANDEZ ADDRESS 966 THORNTON ROAD CITY UPPER CHICH STATE PA ZIP 190610000 MORT $78,400.00 BAL $78,257.72 RATE 9.8500 PAI $679.34 CLTV 80.000 MATURITY 120801 FEE 0.5000 LOAN 0000021867817 LAST_NAME MARTINEZ ADDRESS 508 WILLOW DR. CITY ROSWELL STATE NM ZIP 882010000 MORT $41,400.00 BAL $41,382.45 RATE 10.2000 PAI $369.45 CLTV 90.000 MATURITY 271006 FEE 0.5000 LOAN 0000021867825 LAST_NAME RAMALHO ADDRESS 2364 NW 89TH DR CITY CORAL SPRIN STATE FL ZIP 330650000 MORT $50,150.00 BAL $49,899.11 RATE 9.6500 PAI $528.23 CLTV 85.000 MATURITY 120902 FEE 0.5000 LOAN 0000021867874 LAST_NAME NOBLE ADDRESS 5417 BUCKS GARAGE ROAD CITY MAIDEN STATE NC ZIP 286500000 MORT $56,500.00 BAL $56,355.19 RATE 10.1500 PAI $519.41 CLTV 84.962 MATURITY 220904 FEE 0.5000 LOAN 0000021867890 LAST_NAME FRANSEN ADDRESS RR 3 BOX 30AA CITY CANBY STATE MN ZIP 562200000 MORT $103,500.00 BAL $103,232.59 RATE 9.2500 PAI $1,065.22 CLTV 90.000 MATURITY 120926 FEE 0.5000 LOAN 0000021867932 LAST_NAME HULL ADDRESS 224 FIFTH AVENUE CITY MAPLE SHADE STATE NJ ZIP 080520000 MORT $23,500.00 BAL $23,384.29 RATE 9.8500 PAI $308.61 CLTV 79.214 MATURITY 71017 FEE 0.5000 LOAN 0000021867999 LAST_NAME ROBERTS ADDRESS 2451 WEST 39TH STREET CITY CASPER STATE WY ZIP 826040000 MORT $132,000.00 BAL $131,244.60 RATE 8.1500 PAI $1,272.92 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021868039 LAST_NAME RATH ADDRESS 3285 SE 132ND PLACE CITY BELLEVIEW STATE FL ZIP 344200000 MORT $24,000.00 BAL $23,878.84 RATE 9.5500 PAI $251.34 CLTV 63.157 MATURITY 120909 FEE 0.5000 LOAN 0000021868062 LAST_NAME PELCHAT ADDRESS 285 HIGHLAND DRIVE CITY MCDONOUGH STATE GA ZIP 302530000 MORT $24,200.00 BAL $24,139.98 RATE 9.7000 PAI $255.64 CLTV 72.718 MATURITY 121014 FEE 0.5000 LOAN 0000021868096 LAST_NAME FONSECA ADDRESS 9 ARGYLE AVENUE CITY JOLIET STATE IL ZIP 604330000 MORT $76,800.00 BAL $76,757.16 RATE 8.9000 PAI $612.44 CLTV 80.000 MATURITY 270923 FEE 0.5000 LOAN 0000021868112 LAST_NAME RHAMES ADDRESS 945 DAVID AUSTIN RD CITY WEDGEFIELD STATE SC ZIP 291680000 MORT $37,800.00 BAL $37,658.75 RATE 10.6500 PAI $381.21 CLTV 90.000 MATURITY 170904 FEE 0.5000 LOAN 0000021868120 LAST_NAME HAISLEY ADDRESS 3749 PEPPERTREE DRIVE CITY EUGENE STATE OR ZIP 974020000 MORT $29,290.00 BAL $29,220.62 RATE 10.2000 PAI $318.35 CLTV 69.946 MATURITY 121006 FEE 0.5000 LOAN 0000021868138 LAST_NAME RAVENS ADDRESS 1819 DOUGHERTY ESTATES DR CITY ST LOUIS STATE MO ZIP 630210000 MORT $152,000.00 BAL $151,813.24 RATE 8.5500 PAI $1,174.14 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021868179 LAST_NAME LLOYD ADDRESS 908 CLEARVIEW AVENUE CITY PARMA STATE OH ZIP 441340000 MORT $76,000.00 BAL $75,915.77 RATE 8.9500 PAI $608.79 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021868237 LAST_NAME COUGHLIN ADDRESS 16144 NORTH 82ND ROAD CITY LOXAHATCHER STATE FL ZIP 334700000 MORT $15,200.00 BAL $15,196.10 RATE 12.5000 PAI $162.23 CLTV 79.995 MATURITY 120904 FEE 0.5000 LOAN 0000021868302 LAST_NAME GRINNELL ADDRESS 400 DUNLEER DRIVE CITY CARY STATE IL ZIP 600130000 MORT $50,000.00 BAL $49,887.45 RATE 10.7500 PAI $560.47 CLTV 61.737 MATURITY 121001 FEE 0.5000 LOAN 0000021868310 LAST_NAME SCOTT ADDRESS 1934 HOUSTON CITY INDIANAPOLI STATE IN ZIP 462180000 MORT $51,000.00 BAL $50,948.01 RATE 9.3500 PAI $423.27 CLTV 82.258 MATURITY 270923 FEE 0.5000 LOAN 0000021868328 LAST_NAME BERKHEIMER ADDRESS 36339 EAGLETON ROAD CITY LISBON STATE OH ZIP 444930000 MORT $63,900.00 BAL $63,814.99 RATE 10.2000 PAI $625.14 CLTV 90.000 MATURITY 170930 FEE 0.5000 LOAN 0000021868526 LAST_NAME CHAVIS ADDRESS 2524 MOUNT ENERGY RD CITY CREEDMOOR STATE NC ZIP 275220000 MORT $63,000.00 BAL $62,976.28 RATE 10.7500 PAI $588.09 CLTV 90.000 MATURITY 270924 FEE 0.5000 LOAN 0000021868534 LAST_NAME JOULLIAN ADDRESS 906 AUGUSTA STREET CITY MOBILE STATE AL ZIP 366040000 MORT $23,800.00 BAL $23,730.48 RATE 9.7000 PAI $251.41 CLTV 79.531 MATURITY 121027 FEE 0.5000 LOAN 0000021868567 LAST_NAME WALKER ADDRESS 308 VALERIE DRIVE CITY CRANBERRY T STATE PA ZIP 160660000 MORT $172,000.00 BAL $171,176.33 RATE 8.5500 PAI $1,498.11 CLTV 80.000 MATURITY 170902 FEE 0.5000 LOAN 0000021868641 LAST_NAME TRACY ADDRESS 711 LINCOLN AVENUE CITY WILLIAMSTOW STATE NJ ZIP 080940000 MORT $90,900.00 BAL $90,818.37 RATE 9.9500 PAI $794.36 CLTV 90.000 MATURITY 270923 FEE 0.5000 LOAN 0000021868658 LAST_NAME LOUIE ADDRESS 42 GRACE LANE CITY TOWN OF HEM STATE NY ZIP 117560000 MORT $130,000.00 BAL $129,841.93 RATE 8.5000 PAI $999.59 CLTV 77.380 MATURITY 270917 FEE 0.5000 LOAN 0000021868716 LAST_NAME BROWN ADDRESS 8600 EAST 58TH STREET CITY KANSAS CITY STATE MO ZIP 641290000 MORT $23,400.00 BAL $23,400.00 RATE 9.7000 PAI $221.19 CLTV 79.976 MATURITY 171125 FEE 0.5000 LOAN 0000021868732 LAST_NAME BUMP ADDRESS 1222 17TH STREET CITY MOLINE STATE IL ZIP 612650000 MORT $48,000.00 BAL $47,972.00 RATE 9.3000 PAI $396.63 CLTV 80.000 MATURITY 271007 FEE 0.5000 LOAN 0000021868799 LAST_NAME DOLL ADDRESS 3707 HAYDEN DRIVE CITY SAN JOSE STATE CA ZIP 951170000 MORT $50,000.00 BAL $49,874.86 RATE 9.6000 PAI $525.14 CLTV 66.993 MATURITY 121010 FEE 0.5000 LOAN 0000021868831 LAST_NAME ROMAN ADDRESS 519 N SPRING ST CITY ELGIN STATE IL ZIP 601200000 MORT $142,200.00 BAL $142,134.35 RATE 9.8000 PAI $1,226.95 CLTV 90.000 MATURITY 121009 FEE 0.5000 LOAN 0000021868864 LAST_NAME PARKER ADDRESS 410 CAROLYN LANE CITY GADSDEN STATE AL ZIP 359010000 MORT $26,000.00 BAL $25,929.09 RATE 8.6500 PAI $258.33 CLTV 66.666 MATURITY 121015 FEE 0.5000 LOAN 0000021868989 LAST_NAME FOUNTAIN ADDRESS 209 MOHICAN TRAIL CITY GLEN SPEY STATE NY ZIP 127370000 MORT $75,000.00 BAL $74,863.90 RATE 8.8000 PAI $592.71 CLTV 69.444 MATURITY 270916 FEE 0.5000 LOAN 0000021869045 LAST_NAME CARRAWAY ADDRESS 894 GRIFFIN STREET CITY SUMTER STATE SC ZIP 291540000 MORT $46,000.00 BAL $45,747.05 RATE 8.6000 PAI $455.69 CLTV 77.966 MATURITY 120919 FEE 0.5000 LOAN 0000021869086 LAST_NAME RAE ADDRESS 7435 EAGLE DR CITY BROOKSVILLE STATE FL ZIP 346130000 MORT $40,500.00 BAL $40,401.56 RATE 10.6500 PAI $408.44 CLTV 90.000 MATURITY 170922 FEE 0.5000 LOAN 0000021869169 LAST_NAME PARSONS ADDRESS 21-23 VEGA STREET CITY NEW BRITAIN STATE CT ZIP 060510000 MORT $100,000.00 BAL $99,447.68 RATE 8.5500 PAI $987.68 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021869201 LAST_NAME GREEN ADDRESS 524 W 2ND ST CITY GENESEO STATE IL ZIP 612540000 MORT $30,375.00 BAL $30,298.62 RATE 9.5500 PAI $318.11 CLTV 75.000 MATURITY 121006 FEE 0.5000 LOAN 0000021869243 LAST_NAME WELLS ADDRESS 11071 LAFAYETTE LANE CITY NAPLES STATE FL ZIP 341140000 MORT $53,200.00 BAL $53,054.67 RATE 9.7500 PAI $504.62 CLTV 80.000 MATURITY 170912 FEE 0.5000 LOAN 0000021869250 LAST_NAME ST. ANDREW ADDRESS 718 FORBES AVE CITY CHITTENANGO STATE NY ZIP 130370000 MORT $46,750.00 BAL $46,699.98 RATE 9.2000 PAI $382.91 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021869292 LAST_NAME THOMAS ADDRESS 304 S BRADFIELD AVENUE CITY COMPTON STATE CA ZIP 900220000 MORT $30,000.00 BAL $30,000.00 RATE 9.7000 PAI $391.49 CLTV 70.328 MATURITY 71110 FEE 0.5000 LOAN 0000021869326 LAST_NAME ANDERSON ADDRESS 5274 HARDWOOD CITY WEST BLOOMF STATE MI ZIP 483230000 MORT $80,500.00 BAL $80,278.61 RATE 9.7000 PAI $760.92 CLTV 64.618 MATURITY 170926 FEE 0.5000 LOAN 0000021869359 LAST_NAME HEREFORD ADDRESS 9251 S PARNELL CITY CHICAGO STATE IL ZIP 606200000 MORT $54,200.00 BAL $54,125.98 RATE 8.9000 PAI $432.22 CLTV 66.097 MATURITY 270915 FEE 0.5000 LOAN 0000021869375 LAST_NAME ANDERSON ADDRESS 2560 BIRCH ST CITY DENVER STATE CO ZIP 802070000 MORT $157,250.00 BAL $156,850.54 RATE 10.4000 PAI $1,426.69 CLTV 85.000 MATURITY 270924 FEE 0.5000 LOAN 0000021869441 LAST_NAME OPPELT ADDRESS 126 AUTUMN DRIVE CITY GREECE STATE NY ZIP 146260000 MORT $74,800.00 BAL $74,722.12 RATE 9.2500 PAI $615.37 CLTV 85.000 MATURITY 270916 FEE 0.5000 LOAN 0000021869516 LAST_NAME TRIPLETT ADDRESS 170 HIBRITEN MOUNTAIN CITY LENOIR STATE NC ZIP 286450000 MORT $37,200.00 BAL $37,100.35 RATE 8.8500 PAI $374.00 CLTV 41.797 MATURITY 121006 FEE 0.5000 LOAN 0000021869532 LAST_NAME REID ADDRESS 11480 BERLIN TURNPIKE CITY LOVETTSVILL STATE VA ZIP 220800000 MORT $35,000.00 BAL $34,834.45 RATE 10.5500 PAI $473.26 CLTV 84.850 MATURITY 71006 FEE 0.5000 LOAN 0000021869557 LAST_NAME DONALDSON ADDRESS 4677 MULBERRY STREET CITY PHILADELPHI STATE PA ZIP 191240000 MORT $22,400.00 BAL $22,376.91 RATE 9.3000 PAI $185.10 CLTV 70.000 MATURITY 270910 FEE 0.5000 LOAN 0000021869581 LAST_NAME DESJARDIN ADDRESS 60 COMSTOCK ROAD CITY GREENFIELD STATE NY ZIP 128330000 MORT $51,300.00 BAL $51,048.38 RATE 10.0500 PAI $452.10 CLTV 90.000 MATURITY 121029 FEE 0.5000 LOAN 0000021869615 LAST_NAME LOWDENSLAGER ADDRESS 124 E. HILLCREST AVENUE CITY DAYTON STATE OH ZIP 454050000 MORT $40,000.00 BAL $39,874.33 RATE 8.6500 PAI $350.94 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021869623 LAST_NAME GRIFFIN ADDRESS 298 DUSTY LANE CITY CLARENDON STATE NC ZIP 284320000 MORT $61,200.00 BAL $60,919.66 RATE 10.9900 PAI $695.21 CLTV 90.000 MATURITY 120905 FEE 0.5000 LOAN 0000021869714 LAST_NAME MCGHEE ADDRESS 1766 COOLIDGE CITY BERKELEY STATE IL ZIP 601630000 MORT $38,000.00 BAL $37,904.89 RATE 9.6000 PAI $399.11 CLTV 72.606 MATURITY 121028 FEE 0.5000 LOAN 0000021869748 LAST_NAME PINCZKOWSKI ADDRESS 11 PUNKIN ST CITY LEICESTER STATE NC ZIP 287480000 MORT $92,000.00 BAL $91,505.16 RATE 8.9000 PAI $927.67 CLTV 80.000 MATURITY 120904 FEE 0.5000 LOAN 0000021869763 LAST_NAME WILLIAMS ADDRESS 4968 TAYLOR STORE ROAD CITY NASHVILLE STATE NC ZIP 278560000 MORT $66,400.00 BAL $66,213.91 RATE 9.5500 PAI $621.11 CLTV 80.000 MATURITY 170919 FEE 0.5000 LOAN 0000021869805 LAST_NAME BURRELL ADDRESS 219 N LACROSSE AVENUE CITY CHICAGO STATE IL ZIP 606440000 MORT $8,200.00 BAL $8,200.00 RATE 9.7000 PAI $86.62 CLTV 79.507 MATURITY 121028 FEE 0.5000 LOAN 0000021869961 LAST_NAME SKINNER ADDRESS 3881 PLACID DRIVE CITY CASPER STATE WY ZIP 826040000 MORT $72,250.00 BAL $72,058.91 RATE 10.0000 PAI $697.23 CLTV 85.000 MATURITY 170919 FEE 0.5000 LOAN 0000021869987 LAST_NAME GILL ADDRESS 2368 E KEYS CITY SPRINGFIELD STATE IL ZIP 627020000 MORT $42,300.00 BAL $42,091.25 RATE 9.8000 PAI $449.40 CLTV 90.000 MATURITY 120910 FEE 0.5000 LOAN 0000021869995 LAST_NAME DAMATO ADDRESS 2105 BANCROFT COURT CITY PITTSBURG STATE CA ZIP 945650000 MORT $31,150.00 BAL $31,073.09 RATE 9.7500 PAI $330.00 CLTV 79.599 MATURITY 121029 FEE 0.5000 LOAN 0000021870191 LAST_NAME MOREY ADDRESS 1306 MAGNOLIA ST CITY SEBRING STATE FL ZIP 338720000 MORT $40,500.00 BAL $40,369.29 RATE 9.6500 PAI $381.49 CLTV 84.375 MATURITY 170919 FEE 0.5000 LOAN 0000021870258 LAST_NAME WEATHERBY ADDRESS 57 E LINDEN ST CITY CLAYTON STATE NJ ZIP 083120000 MORT $22,000.00 BAL $21,684.18 RATE 10.5000 PAI $201.24 CLTV 30.812 MATURITY 270730 FEE 0.5000 LOAN 0000021870282 LAST_NAME NORTON ADDRESS 78 MARY AVENUE CITY WOODBRIDGE STATE NJ ZIP 088630000 MORT $90,000.00 BAL $89,107.11 RATE 10.2500 PAI $806.49 CLTV 69.230 MATURITY 120729 FEE 0.5000 LOAN 0000021870324 LAST_NAME KELTZ ADDRESS 1212 PURITON AVE CITY LATROBE STATE PA ZIP 156500000 MORT $62,100.00 BAL $61,929.28 RATE 9.7000 PAI $586.99 CLTV 90.000 MATURITY 170903 FEE 0.5000 LOAN 0000021870332 LAST_NAME MCGLOTHLIN ADDRESS 3271 NW 210 TERRACE CITY MIAMI STATE FL ZIP 330560000 MORT $29,000.00 BAL $28,923.70 RATE 9.0500 PAI $295.01 CLTV 44.615 MATURITY 120910 FEE 0.5000 LOAN 0000021870340 LAST_NAME BLAISDELL ADDRESS 855 SHALLCROSS LAKE RD CITY MIDDLETOWN STATE DE ZIP 197090000 MORT $79,500.00 BAL $78,572.24 RATE 9.5000 PAI $668.48 CLTV 76.331 MATURITY 120710 FEE 0.5000 LOAN 0000021870357 LAST_NAME DOUGHERTY ADDRESS 11 SHAGBARK ROAD CITY SANDWICH STATE MA ZIP 026440000 MORT $90,000.00 BAL $89,710.10 RATE 8.4500 PAI $778.19 CLTV 76.271 MATURITY 170915 FEE 0.5000 LOAN 0000021870373 LAST_NAME DAVIS ADDRESS 120 KINGSWOOD ROAD CITY NEWARK STATE DE ZIP 197130000 MORT $60,000.00 BAL $59,935.09 RATE 10.9900 PAI $570.94 CLTV 61.224 MATURITY 120731 FEE 0.5000 LOAN 0000021870381 LAST_NAME TUORTO ADDRESS 72 E ALMIRA ST CITY BLOOMFIELD STATE NJ ZIP 070030000 MORT $60,000.00 BAL $59,687.16 RATE 9.8500 PAI $519.90 CLTV 50.000 MATURITY 120725 FEE 0.5000 LOAN 0000021870399 LAST_NAME COOPER ADDRESS 1040 SPRIGGS CITY LANDER STATE WY ZIP 825200000 MORT $68,000.00 BAL $67,453.60 RATE 8.5500 PAI $756.73 CLTV 80.000 MATURITY 90926 FEE 0.5000 LOAN 0000021870472 LAST_NAME WRIGHT ADDRESS 1044 N. POND DRIVE CITY BRIGHTON STATE CO ZIP 806010000 MORT $96,000.00 BAL $95,935.01 RATE 10.4500 PAI $874.57 CLTV 84.955 MATURITY 121001 FEE 0.5000 LOAN 0000021870480 LAST_NAME POINDEXTER-D ADDRESS 717 CRYSTAL DRIVE CITY SALEM STATE VA ZIP 241530000 MORT $56,000.00 BAL $55,572.32 RATE 9.5000 PAI $584.77 CLTV 80.000 MATURITY 120801 FEE 0.5000 LOAN 0000021870506 LAST_NAME SCHAFER ADDRESS 3209 11TH AVENUE C CITY MOLINE STATE IL ZIP 612650000 MORT $43,000.00 BAL $42,981.57 RATE 10.1500 PAI $382.14 CLTV 89.770 MATURITY 271001 FEE 0.5000 LOAN 0000021870522 LAST_NAME FERGIONE ADDRESS 97 SPITHEAD ROAD CITY WATERFORD STATE CT ZIP 063850000 MORT $104,000.00 BAL $103,652.21 RATE 8.1500 PAI $879.64 CLTV 80.000 MATURITY 170923 FEE 0.5000 LOAN 0000021870563 LAST_NAME BURKLE ADDRESS 1731 SW 38 AVENUE CITY FT LAUDERDA STATE FL ZIP 333120000 MORT $45,000.00 BAL $44,794.59 RATE 10.6500 PAI $501.63 CLTV 59.210 MATURITY 120910 FEE 0.5000 LOAN 0000021870589 LAST_NAME RECORD ADDRESS 226 EAST ELM STREET CITY PENN YAN STATE NY ZIP 145270000 MORT $38,000.00 BAL $37,974.49 RATE 8.0000 PAI $278.84 CLTV 63.333 MATURITY 120929 FEE 0.5000 LOAN 0000021870720 LAST_NAME DOYLE ADDRESS 4173 SW LAFAYETTE PLACE CITY LEE'S SUMMI STATE MO ZIP 640820000 MORT $11,000.00 BAL $11,000.00 RATE 9.7000 PAI $232.10 CLTV 69.397 MATURITY 21101 FEE 0.5000 LOAN 0000021870738 LAST_NAME KUENZLE ADDRESS 748 DACE LANE CITY ST. LOUIS STATE MO ZIP 631250000 MORT $52,000.00 BAL $51,940.55 RATE 8.8000 PAI $410.95 CLTV 55.913 MATURITY 270919 FEE 0.5000 LOAN 0000021870761 LAST_NAME DILLON ADDRESS 364 TILDEN ROAD CITY SCITUATE STATE MA ZIP 020660000 MORT $49,500.00 BAL $49,500.00 RATE 9.6000 PAI $643.24 CLTV 66.291 MATURITY 71027 FEE 0.5000 LOAN 0000021870787 LAST_NAME WINSLOW ADDRESS 39590 CRAWFORDSVILLE DRIV CITY SWEET HOME STATE OR ZIP 973860000 MORT $30,000.00 BAL $29,925.60 RATE 9.7000 PAI $316.90 CLTV 52.032 MATURITY 121021 FEE 0.5000 LOAN 0000021870837 LAST_NAME TERRY ADDRESS 1206 9TH STREET CITY EUNICE STATE NM ZIP 882310000 MORT $23,800.00 BAL $23,746.42 RATE 10.7500 PAI $266.79 CLTV 85.000 MATURITY 121003 FEE 0.5000 LOAN 0000021870860 LAST_NAME DEGRAFF ADDRESS 140 NORTHUMBERLAND ROAD CITY BRIGHTON STATE NY ZIP 146180000 MORT $80,000.00 BAL $79,872.41 RATE 8.5000 PAI $694.26 CLTV 80.000 MATURITY 171014 FEE 0.5000 LOAN 0000021870936 LAST_NAME SIMPSON ADDRESS 705 OAK KNOLL SE CITY WARREN STATE OH ZIP 444840000 MORT $76,500.00 BAL $76,431.92 RATE 10.0000 PAI $671.35 CLTV 90.000 MATURITY 270915 FEE 0.5000 LOAN 0000021870969 LAST_NAME PRICE ADDRESS 2960 LEAF LANE CITY LENOIR STATE NC ZIP 286450000 MORT $50,300.00 BAL $50,030.74 RATE 8.9000 PAI $507.19 CLTV 76.793 MATURITY 120904 FEE 0.5000 LOAN 0000021871124 LAST_NAME STOKES ADDRESS 13207 WARBURTON DRIVE CITY FORT WASHIN STATE MD ZIP 207440000 MORT $108,000.00 BAL $107,833.09 RATE 8.7500 PAI $954.41 CLTV 77.142 MATURITY 171006 FEE 0.5000 LOAN 0000021871157 LAST_NAME RHODES ADDRESS 741 ZELDA COURT CITY HENDERSONVI STATE NC ZIP 287390000 MORT $130,500.00 BAL $130,444.68 RATE 10.2000 PAI $1,164.57 CLTV 90.000 MATURITY 271001 FEE 0.5000 LOAN 0000021871207 LAST_NAME PAYNE ADDRESS 69 SALEM STREET CITY NORTH ANDOV STATE MA ZIP 018450000 MORT $17,674.00 BAL $17,578.91 RATE 10.5500 PAI $195.92 CLTV 77.720 MATURITY 121015 FEE 0.5000 LOAN 0000021871256 LAST_NAME SWEATT ADDRESS 150 PINELOCH DRIVE CITY PORTLAND STATE ME ZIP 041030000 MORT $20,000.00 BAL $20,000.00 RATE 10.8500 PAI $273.81 CLTV 69.823 MATURITY 71020 FEE 0.5000 LOAN 0000021871363 LAST_NAME JOHNSON ADDRESS 805 SANDIA CITY CARLSBAD STATE NM ZIP 882200000 MORT $63,450.00 BAL $63,402.17 RATE 10.0000 PAI $576.58 CLTV 90.000 MATURITY 220924 FEE 0.5000 LOAN 0000021871496 LAST_NAME HAZEL ADDRESS 1903 PINE WAY CITY SALISBURY STATE MD ZIP 218040000 MORT $58,000.00 BAL $57,933.01 RATE 8.7500 PAI $456.29 CLTV 79.452 MATURITY 120930 FEE 0.5000 LOAN 0000021871512 LAST_NAME WINGO ADDRESS 816 N 8TH AVENUE CITY WAUCHULA STATE FL ZIP 338730000 MORT $11,000.00 BAL $10,972.47 RATE 9.6000 PAI $115.53 CLTV 78.825 MATURITY 121029 FEE 0.5000 LOAN 0000021871587 LAST_NAME QUARTERMAN ADDRESS 7012 CARDINAL WOOD COURT CITY ORLANDO STATE FL ZIP 328180000 MORT $85,000.00 BAL $84,888.50 RATE 10.2000 PAI $831.57 CLTV 85.000 MATURITY 170915 FEE 0.5000 LOAN 0000021871637 LAST_NAME MCHUGH ADDRESS 451 FAIRVIEW RD. CITY ASHEVILLE STATE NC ZIP 288030000 MORT $88,000.00 BAL $87,732.13 RATE 8.9000 PAI $786.11 CLTV 80.000 MATURITY 170922 FEE 0.5000 LOAN 0000021871678 LAST_NAME FULTON ADDRESS 2514 W QUAY CITY ARTESIA STATE NM ZIP 882100000 MORT $15,000.00 BAL $14,954.95 RATE 9.7500 PAI $158.91 CLTV 50.000 MATURITY 121008 FEE 0.5000 LOAN 0000021871710 LAST_NAME SATO ADDRESS RT 2 BOX 363 CITY SEAFORD STATE DE ZIP 199730000 MORT $80,750.00 BAL $80,671.08 RATE 9.5500 PAI $681.94 CLTV 85.000 MATURITY 270916 FEE 0.5000 LOAN 0000021871777 LAST_NAME GIALLONARDO ADDRESS 2375 HUNTER ROAD CITY TOWNSHIP OF STATE PA ZIP 156010000 MORT $19,500.00 BAL $19,500.00 RATE 8.2500 PAI $166.16 CLTV 43.333 MATURITY 171101 FEE 0.5000 LOAN 0000021871835 LAST_NAME DAVIS ADDRESS 1256 ST CLAIR RD CITY HAYS STATE NC ZIP 286350000 MORT $54,000.00 BAL $53,865.27 RATE 10.5000 PAI $539.13 CLTV 88.815 MATURITY 170917 FEE 0.5000 LOAN 0000021871850 LAST_NAME MCGILVRAY ADDRESS 5053 W JUPITER WAY CITY CHANDLER STATE AZ ZIP 852260000 MORT $17,230.00 BAL $17,148.26 RATE 10.5000 PAI $232.50 CLTV 82.984 MATURITY 71020 FEE 0.5000 LOAN 0000021871892 LAST_NAME ARMSTRONG ADDRESS 533 SAYLES ST. CITY UTICA STATE NY ZIP 134210000 MORT $68,000.00 BAL $67,965.12 RATE 9.3000 PAI $561.88 CLTV 80.000 MATURITY 121101 FEE 0.5000 LOAN 0000021871926 LAST_NAME HICKMAN ADDRESS ST KINGS HIGHWAY CITY TOWNSHIP OF STATE PA ZIP 193200000 MORT $11,100.00 BAL $11,100.00 RATE 10.5500 PAI $238.86 CLTV 79.950 MATURITY 21119 FEE 0.5000 LOAN 0000021871959 LAST_NAME SHARMAN ADDRESS 12418 B STREET CITY OMAHA STATE NE ZIP 681440000 MORT $63,000.00 BAL $61,974.72 RATE 8.9000 PAI $713.42 CLTV 80.769 MATURITY 90926 FEE 0.5000 LOAN 0000021871991 LAST_NAME REARDIN ADDRESS 301 SHORE CREST DR CITY TAMPA STATE FL ZIP 336090000 MORT $44,600.00 BAL $44,385.85 RATE 10.1000 PAI $482.01 CLTV 69.993 MATURITY 120908 FEE 0.5000 LOAN 0000021872049 LAST_NAME LOVINGOOD ADDRESS 115 BENSON CIRCLE CITY FAIRBURN STATE GA ZIP 302130000 MORT $234,000.00 BAL $233,899.47 RATE 13.3000 PAI $2,643.49 CLTV 90.000 MATURITY 120904 FEE 0.5000 LOAN 0000021872056 LAST_NAME MUSTO ADDRESS 4200 MEADOWVIEW RD CITY PORTSMOUTH STATE VA ZIP 237030000 MORT $78,400.00 BAL $78,216.83 RATE 10.9500 PAI $806.57 CLTV 80.000 MATURITY 170924 FEE 0.5000 LOAN 0000021872213 LAST_NAME FORD ADDRESS 825 W YUCCA CITY CLOVIS STATE NM ZIP 881010000 MORT $54,000.00 BAL $53,933.80 RATE 10.5500 PAI $540.95 CLTV 88.524 MATURITY 171006 FEE 0.5000 LOAN 0000021872296 LAST_NAME KNIGHT ADDRESS 4511 BROOK ROAD CITY RICHMOND STATE VA ZIP 232270000 MORT $86,000.00 BAL $85,351.99 RATE 8.1500 PAI $829.33 CLTV 78.181 MATURITY 120917 FEE 0.5000 LOAN 0000021872320 LAST_NAME BEARD ADDRESS 417 S EDGELEY AVE CITY PLEASANTVIL STATE NJ ZIP 082320000 MORT $55,000.00 BAL $54,831.52 RATE 8.8500 PAI $489.56 CLTV 83.333 MATURITY 170904 FEE 0.5000 LOAN 0000021872338 LAST_NAME TURNER ADDRESS 14330 STAHELIN CITY DETROIT STATE MI ZIP 482230000 MORT $73,000.00 BAL $72,755.88 RATE 8.1500 PAI $617.44 CLTV 65.178 MATURITY 170916 FEE 0.5000 LOAN 0000021872346 LAST_NAME MILLER ADDRESS 738 SO. SUMNER AVENUE CITY AURORA STATE IL ZIP 605050000 MORT $35,000.00 BAL $34,839.51 RATE 10.6000 PAI $389.06 CLTV 44.871 MATURITY 120926 FEE 0.5000 LOAN 0000021872395 LAST_NAME PATTERSON ADDRESS 5701 ILFORD STREET CITY CHARLOTTE STATE NC ZIP 282150000 MORT $84,600.00 BAL $84,195.22 RATE 10.3500 PAI $1,134.46 CLTV 90.000 MATURITY 71001 FEE 0.5000 LOAN 0000021872429 LAST_NAME KNOTTS ADDRESS 1001 JEFFERSON DAVIS HWY CITY CAMDEN STATE SC ZIP 290200000 MORT $20,000.00 BAL $19,791.33 RATE 8.9000 PAI $252.28 CLTV 66.666 MATURITY 70922 FEE 0.5000 LOAN 0000021872502 LAST_NAME LAVINO ADDRESS 57 EAST CENTRAL STREET CITY NATICK STATE MA ZIP 017600000 MORT $75,000.00 BAL $74,922.74 RATE 9.3000 PAI $619.73 CLTV 45.454 MATURITY 270930 FEE 0.5000 LOAN 0000021872551 LAST_NAME MOORE ADDRESS 2646 N. 75TH COURT CITY ELMWOOD PAR STATE IL ZIP 606350000 MORT $18,000.00 BAL $18,000.00 RATE 9.8500 PAI $191.79 CLTV 79.960 MATURITY 121101 FEE 0.5000 LOAN 0000021872585 LAST_NAME WILSON ADDRESS 3186 3188 ELIZABETH ST. CITY MIAMI STATE FL ZIP 333130000 MORT $75,000.00 BAL $74,867.81 RATE 9.6000 PAI $636.12 CLTV 57.692 MATURITY 270912 FEE 0.5000 LOAN 0000021872627 LAST_NAME CARRIVEAU ADDRESS 57-59 WHIPPLE STREET CITY WORCESTER STATE MA ZIP 016070000 MORT $100,000.00 BAL $99,871.11 RATE 8.7500 PAI $786.71 CLTV 80.000 MATURITY 120909 FEE 0.5000 LOAN 0000021872643 LAST_NAME HOETZLEIN ADDRESS 1382 PLUM DRIVE CITY FERNANDINA STATE FL ZIP 320340000 MORT $48,750.00 BAL $48,500.51 RATE 9.4000 PAI $506.13 CLTV 73.863 MATURITY 121003 FEE 0.5000 LOAN 0000021872650 LAST_NAME RIGHTMYER ADDRESS 2876 ADDISON PLACE CITY SANTA CLARA STATE CA ZIP 950510000 MORT $203,200.00 BAL $202,913.26 RATE 9.7500 PAI $1,745.80 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021872734 LAST_NAME ROBINSON ADDRESS 1359 POTOMAC HEIGHTS DRIV CITY FT. WASHING STATE MD ZIP 207440000 MORT $97,500.00 BAL $97,044.58 RATE 10.4000 PAI $1,071.73 CLTV 84.782 MATURITY 120829 FEE 0.5000 LOAN 0000021872809 LAST_NAME HICKS ADDRESS 404 HOLLOWAY DR. CITY POTTSMOUTH STATE VA ZIP 237010000 MORT $73,000.00 BAL $72,936.51 RATE 10.1000 PAI $646.03 CLTV 59.836 MATURITY 120926 FEE 0.5000 LOAN 0000021872858 LAST_NAME TAYLOR ADDRESS 1760 21ST ST. SOUTH CITY ST. PETERSB STATE FL ZIP 337120000 MORT $38,000.00 BAL $37,542.34 RATE 8.9000 PAI $339.46 CLTV 69.090 MATURITY 170908 FEE 0.5000 LOAN 0000021872866 LAST_NAME FORD ADDRESS 4527 E. BEACON CT. CITY DECATUR STATE IL ZIP 625210000 MORT $70,400.00 BAL $70,303.87 RATE 8.9000 PAI $561.40 CLTV 80.000 MATURITY 270902 FEE 0.5000 LOAN 0000021872882 LAST_NAME BURLEYSON ADDRESS 5501 HISTORIC SPRINGS DR CITY CONCORD STATE NC ZIP 280810000 MORT $127,500.00 BAL $127,399.32 RATE 10.5500 PAI $1,171.06 CLTV 85.000 MATURITY 271001 FEE 0.5000 LOAN 0000021872890 LAST_NAME GALLAWAY ADDRESS 3125 N. BANCROFT STREET CITY PHILADELPHI STATE PA ZIP 191320000 MORT $27,000.00 BAL $26,916.00 RATE 9.6000 PAI $283.58 CLTV 90.000 MATURITY 121014 FEE 0.5000 LOAN 0000021872908 LAST_NAME RAULERSON ADDRESS 30 HARDING STREET CITY ST. AUGUSTI STATE FL ZIP 320950000 MORT $50,000.00 BAL $49,954.13 RATE 9.8500 PAI $433.26 CLTV 83.333 MATURITY 270922 FEE 0.5000 LOAN 0000021873062 LAST_NAME NANFITO ADDRESS 311 EAST RIDGE ROAD CITY MIDDLETOWN STATE CT ZIP 064570000 MORT $136,000.00 BAL $136,000.00 RATE 9.2000 PAI $1,241.17 CLTV 80.000 MATURITY 171124 FEE 0.5000 LOAN 0000021873070 LAST_NAME DEGRAZIA ADDRESS 3207 S EMERALD AVENUE CITY CHICAGO STATE IL ZIP 606160000 MORT $100,000.00 BAL $100,000.00 RATE 9.7500 PAI $859.16 CLTV 41.666 MATURITY 121101 FEE 0.5000 LOAN 0000021873153 LAST_NAME PAYNE ADDRESS 465 HELVESTON DRIVE CITY MOBILE STATE AL ZIP 366170000 MORT $50,400.00 BAL $50,354.50 RATE 10.0000 PAI $442.30 CLTV 80.000 MATURITY 270919 FEE 0.5000 LOAN 0000021873195 LAST_NAME MCCORMICK ADDRESS 679 ELMWOOD AVENUE CITY ST LOUIS STATE MO ZIP 631190000 MORT $107,500.00 BAL $107,401.39 RATE 9.8500 PAI $931.50 CLTV 75.174 MATURITY 270915 FEE 0.5000 LOAN 0000021873237 LAST_NAME MCNAMARA ADDRESS 25 APACHE DRIVE CITY SPRINGFIELD STATE IL ZIP 627070000 MORT $15,000.00 BAL $15,000.00 RATE 9.7000 PAI $158.45 CLTV 58.776 MATURITY 121103 FEE 0.5000 LOAN 0000021873286 LAST_NAME TOLENTINO ADDRESS 19815 SOUTHEAST 263RD CITY KENT STATE WA ZIP 980420000 MORT $17,000.00 BAL $17,000.00 RATE 9.7000 PAI $179.58 CLTV 69.091 MATURITY 121103 FEE 0.5000 LOAN 0000021873344 LAST_NAME CORDON ADDRESS 516 MONROE STREET CITY BROOKLYN STATE NY ZIP 112210000 MORT $150,000.00 BAL $149,788.35 RATE 9.7500 PAI $1,288.73 CLTV 75.000 MATURITY 270812 FEE 0.5000 LOAN 0000021873419 LAST_NAME JONES ADDRESS 604 E EUCLID AVENUE CITY MONMOUTH STATE IL ZIP 614620000 MORT $44,000.00 BAL $43,838.56 RATE 9.8000 PAI $520.77 CLTV 89.795 MATURITY 90929 FEE 0.5000 LOAN 0000021873492 LAST_NAME BERARDINELLI ADDRESS 268 MOUNTAIN VIEW AVENUE CITY WALLKILL STATE NY ZIP 125890000 MORT $130,500.00 BAL $130,131.92 RATE 9.5000 PAI $1,216.44 CLTV 90.000 MATURITY 170830 FEE 0.5000 LOAN 0000021873518 LAST_NAME TOLSON ADDRESS 10337 WESTVILLE ROAD CITY WYOMING STATE DE ZIP 199340000 MORT $92,000.00 BAL $91,753.53 RATE 9.9000 PAI $881.73 CLTV 76.666 MATURITY 170811 FEE 0.5000 LOAN 0000021873534 LAST_NAME GROHMAN ADDRESS 4 OAK RIDGE POND ROAD CITY HANNIBAL STATE MO ZIP 634010000 MORT $83,725.00 BAL $82,839.26 RATE 8.6500 PAI $1,044.80 CLTV 85.000 MATURITY 70922 FEE 0.5000 LOAN 0000021873542 LAST_NAME MAGRAFF ADDRESS 8585 AVALON AVENUE CITY CHICAGO STATE IL ZIP 606190000 MORT $25,000.00 BAL $25,000.00 RATE 9.7000 PAI $326.24 CLTV 71.796 MATURITY 71110 FEE 0.5000 LOAN 0000021873559 LAST_NAME BAKALARCZYK ADDRESS 5 ORCHARD LANE CITY STOCKHOLM STATE NJ ZIP 074600000 MORT $46,000.00 BAL $45,676.29 RATE 10.4000 PAI $505.64 CLTV 61.224 MATURITY 120731 FEE 0.5000 LOAN 0000021873567 LAST_NAME BREWER ADDRESS 1744 BRIARWOOD DRIVE CITY LANSING STATE MI ZIP 489170000 MORT $72,000.00 BAL $71,486.92 RATE 8.1500 PAI $694.32 CLTV 58.536 MATURITY 120929 FEE 0.5000 LOAN 0000021873575 LAST_NAME HAYES ADDRESS 14 TERRY LN CITY PLATTSBURGH STATE NY ZIP 129010000 MORT $80,800.00 BAL $80,182.92 RATE 9.5000 PAI $843.73 CLTV 80.000 MATURITY 120731 FEE 0.5000 LOAN 0000021873617 LAST_NAME KLEIN ADDRESS 1031 OAK AVENUE CITY BARBERTON STATE OH ZIP 442030000 MORT $44,800.00 BAL $44,660.84 RATE 8.7400 PAI $395.62 CLTV 80.000 MATURITY 170901 FEE 0.5000 LOAN 0000021873633 LAST_NAME EATON ADDRESS 55 OSBORNE AVE CITY NORWALK STATE CT ZIP 068550000 MORT $36,000.00 BAL $35,856.40 RATE 9.9900 PAI $347.17 CLTV 20.571 MATURITY 170814 FEE 0.5000 LOAN 0000021873682 LAST_NAME CARTER ADDRESS 753 JEFFERSON AVE CITY BROOKLYN STATE NY ZIP 112210000 MORT $88,000.00 BAL $87,869.11 RATE 9.5000 PAI $739.95 CLTV 53.333 MATURITY 270814 FEE 0.5000 LOAN 0000021873690 LAST_NAME JONES ADDRESS 1659 POLK STREET CITY MOBILE STATE AL ZIP 366050000 MORT $32,000.00 BAL $31,851.89 RATE 10.5000 PAI $353.73 CLTV 79.800 MATURITY 120916 FEE 0.5000 LOAN 0000021873724 LAST_NAME WHEELER ADDRESS 2058 S DELAWARE DR CITY MOUNT BETHE STATE PA ZIP 183430000 MORT $50,000.00 BAL $49,732.97 RATE 9.9900 PAI $482.18 CLTV 56.179 MATURITY 170804 FEE 0.5000 LOAN 0000021873765 LAST_NAME MEBANE II ADDRESS 80 EDWIN ST CITY BRIDGEPORT STATE CT ZIP 066070000 MORT $48,000.00 BAL $47,814.86 RATE 10.2500 PAI $471.19 CLTV 80.000 MATURITY 170811 FEE 0.5000 LOAN 0000021873799 LAST_NAME GILLIES ADDRESS 1017 LINCOLN PL CITY BROOKLYN STATE NY ZIP 112130000 MORT $26,000.00 BAL $25,895.48 RATE 9.9900 PAI $250.73 CLTV 55.821 MATURITY 170812 FEE 0.5000 LOAN 0000021873815 LAST_NAME MARK ADDRESS 3132 TIMBERVIEW DRIVE CITY DUNEDIN STATE FL ZIP 346980000 MORT $25,000.00 BAL $24,901.99 RATE 9.7000 PAI $264.09 CLTV 79.889 MATURITY 121024 FEE 0.5000 LOAN 0000021873823 LAST_NAME TORRES ADDRESS 494 LINWOOD ST CITY BROOKLYN STATE NY ZIP 112080000 MORT $120,000.00 BAL $119,801.47 RATE 8.9900 PAI $964.68 CLTV 80.000 MATURITY 270814 FEE 0.5000 LOAN 0000021873831 LAST_NAME CREAGER ADDRESS 730 EAST CYPRESS AVENUE CITY CITY OF VIS STATE CA ZIP 932770000 MORT $21,500.00 BAL $21,500.00 RATE 9.6000 PAI $452.60 CLTV 78.401 MATURITY 21022 FEE 0.5000 LOAN 0000021873856 LAST_NAME STEPHENS ADDRESS 1900 BUCK REYNOLDS ROAD CITY TIMMONSVILL STATE SC ZIP 291610000 MORT $43,200.00 BAL $42,688.95 RATE 10.9900 PAI $490.74 CLTV 90.000 MATURITY 120922 FEE 0.5000 LOAN 0000021873963 LAST_NAME ROMERO ADDRESS 4309 TEVALO DRIVE CITY VALRICO STATE FL ZIP 335110000 MORT $15,000.00 BAL $14,916.75 RATE 10.3500 PAI $164.42 CLTV 83.103 MATURITY 120926 FEE 0.5000 LOAN 0000021873989 LAST_NAME ANGE ADDRESS 2007 SPARROW ROAD CITY CHESAPEAKE STATE VA ZIP 233200000 MORT $80,000.00 BAL $79,597.98 RATE 9.6000 PAI $840.21 CLTV 80.000 MATURITY 120916 FEE 0.5000 LOAN 0000021874037 LAST_NAME BATEMAN ADDRESS 49818 W VAL VISTA ROAD CITY MARICOPA STATE AZ ZIP 852390000 MORT $46,350.00 BAL $46,329.42 RATE 10.6000 PAI $427.46 CLTV 90.000 MATURITY 121001 FEE 0.5000 LOAN 0000021874045 LAST_NAME MCCULLY ADDRESS 1246 WASHINGTON STREET CITY GRAND HAVEN STATE MI ZIP 494170000 MORT $84,600.00 BAL $84,600.00 RATE 9.8000 PAI $729.96 CLTV 90.000 MATURITY 121008 FEE 0.5000 LOAN 0000021874060 LAST_NAME HUKE ADDRESS 3827 SW HARBOR CIRCLE CITY LEES SUMMIT STATE MO ZIP 640820000 MORT $100,000.00 BAL $99,905.32 RATE 9.7000 PAI $855.48 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021874086 LAST_NAME BUTLER ADDRESS 4875 SUNCREST DRIVE CITY PRICHARD STATE AL ZIP 366130000 MORT $22,500.00 BAL $22,493.42 RATE 11.9000 PAI $229.71 CLTV 90.000 MATURITY 121003 FEE 0.5000 LOAN 0000021874094 LAST_NAME CHRISTIE ADDRESS 4686 LINDEN STREET CITY AVON STATE NY ZIP 144140000 MORT $117,000.00 BAL $116,947.12 RATE 9.9000 PAI $1,018.13 CLTV 90.000 MATURITY 271003 FEE 0.5000 LOAN 0000021874136 LAST_NAME GRIGGS ADDRESS 11508 MARY CATHERINE CT CITY CLINTON STATE MD ZIP 207350000 MORT $124,000.00 BAL $123,368.30 RATE 9.4500 PAI $1,291.11 CLTV 80.000 MATURITY 120917 FEE 0.5000 LOAN 0000021874284 LAST_NAME SEVERNS ADDRESS 2726 22ND STREET ROAD CITY GREELEY STATE CO ZIP 806310000 MORT $109,650.00 BAL $109,523.36 RATE 8.7500 PAI $862.62 CLTV 85.000 MATURITY 120929 FEE 0.5000 LOAN 0000021874375 LAST_NAME BRODNAX ADDRESS 2606 FORT DRIVE CITY SUITLAND STATE MD ZIP 207460000 MORT $92,100.00 BAL $92,042.35 RATE 8.3400 PAI $697.75 CLTV 74.274 MATURITY 120922 FEE 0.5000 LOAN 0000021874391 LAST_NAME JOHNSON ADDRESS 5540 S HAMILTON AVE CITY CHICAGO STATE IL ZIP 606360000 MORT $72,800.00 BAL $72,307.68 RATE 7.8000 PAI $687.34 CLTV 80.000 MATURITY 120912 FEE 0.5000 LOAN 0000021874409 LAST_NAME ANTHONY ADDRESS 812 TOWNSEND COURT CITY NORFOLK STATE VA ZIP 235020000 MORT $20,000.00 BAL $19,957.03 RATE 11.2500 PAI $230.47 CLTV 56.321 MATURITY 121017 FEE 0.5000 LOAN 0000021874474 LAST_NAME REED ADDRESS 3613 S BOOTS STREET CITY MARION STATE IN ZIP 469530000 MORT $39,000.00 BAL $38,984.50 RATE 10.5000 PAI $356.75 CLTV 84.782 MATURITY 270922 FEE 0.5000 LOAN 0000021874565 LAST_NAME FELITTI ADDRESS 30 DELAWARE AVENUE CITY COMMACK STATE NY ZIP 117250000 MORT $35,000.00 BAL $34,887.24 RATE 8.4500 PAI $302.64 CLTV 19.444 MATURITY 170911 FEE 0.5000 LOAN 0000021874615 LAST_NAME RICHINS ADDRESS 711 SOUTH MAIN STREET CITY OREM STATE UT ZIP 840580000 MORT $50,000.00 BAL $48,823.76 RATE 11.1500 PAI $481.84 CLTV 77.460 MATURITY 120822 FEE 0.5000 LOAN 0000021874714 LAST_NAME BENNETT ADDRESS 325 E. YAMPA ST. CITY COLORADO SP STATE CO ZIP 809030000 MORT $107,950.00 BAL $107,638.81 RATE 9.3000 PAI $891.99 CLTV 85.000 MATURITY 270901 FEE 0.5000 LOAN 0000021874748 LAST_NAME JOHNSON ADDRESS 5324 S JUSTINE STREET CITY CHICAGO STATE IL ZIP 606360000 MORT $65,600.00 BAL $65,169.43 RATE 8.3000 PAI $638.33 CLTV 69.787 MATURITY 120912 FEE 0.5000 LOAN 0000021874821 LAST_NAME BERRY ADDRESS HCR 63 BOX 18 CITY ACME STATE PA ZIP 156100000 MORT $35,000.00 BAL $34,950.52 RATE 9.4500 PAI $325.11 CLTV 55.118 MATURITY 170929 FEE 0.5000 LOAN 0000021874839 LAST_NAME CASTER ADDRESS 1655 KUFFSKIE COURT CITY MOBILE STATE AL ZIP 366070000 MORT $70,110.00 BAL $70,110.00 RATE 10.3000 PAI $630.87 CLTV 90.000 MATURITY 271101 FEE 0.5000 LOAN 0000021874847 LAST_NAME REDMON ADDRESS 109 SHORE DRIVE CITY PORTSMOUTH STATE VA ZIP 237010000 MORT $77,000.00 BAL $76,969.40 RATE 10.5000 PAI $704.35 CLTV 70.000 MATURITY 120925 FEE 0.5000 LOAN 0000021874854 LAST_NAME EDWARDS ADDRESS 18968 WOODLAND CITY HARPER WOOD STATE MI ZIP 482250000 MORT $63,000.00 BAL $62,793.82 RATE 8.7500 PAI $495.63 CLTV 80.769 MATURITY 120701 FEE 0.5000 LOAN 0000021874862 LAST_NAME REDMON ADDRESS 421 PLUMMER DRIVE CITY CHESAPEAKE STATE VA ZIP 233230000 MORT $88,000.00 BAL $87,956.72 RATE 9.5000 PAI $739.95 CLTV 75.213 MATURITY 120925 FEE 0.5000 LOAN 0000021874870 LAST_NAME ANDERSON ADDRESS 7440 152ND LANE NW CITY RAMSEY STATE MN ZIP 553030000 MORT $80,500.00 BAL $80,452.02 RATE 11.8400 PAI $818.14 CLTV 84.736 MATURITY 120901 FEE 0.5000 LOAN 0000021874946 LAST_NAME NOSAR ADDRESS 10132 BRANDON WAY CITY MANASSAS STATE VA ZIP 221100000 MORT $53,000.00 BAL $52,611.37 RATE 9.9500 PAI $567.93 CLTV 78.228 MATURITY 120805 FEE 0.5000 LOAN 0000021874953 LAST_NAME PHILLIPS ADDRESS 1324 FARRAGUT STREET, NW CITY WASHINGTON STATE DC ZIP 200110000 MORT $100,000.00 BAL $98,849.15 RATE 9.9900 PAI $876.84 CLTV 74.074 MATURITY 270802 FEE 0.5000 LOAN 0000021874961 LAST_NAME HOOKS ADDRESS 18505 BAY LEAF WAY CITY GERMANTOWN STATE MD ZIP 208740000 MORT $23,000.00 BAL $22,933.67 RATE 12.4500 PAI $260.51 CLTV 71.142 MATURITY 170730 FEE 0.5000 LOAN 0000021874979 LAST_NAME HILL ADDRESS 748 DELAFIELD STREET, NE CITY WASHINGTON STATE DC ZIP 200170000 MORT $34,000.00 BAL $33,860.12 RATE 9.7500 PAI $322.50 CLTV 29.824 MATURITY 170804 FEE 0.5000 LOAN 0000021874987 LAST_NAME GREEN ADDRESS 1205 TALBERT STREET, S.E. CITY WASHINGTON STATE DC ZIP 200200000 MORT $56,000.00 BAL $55,907.33 RATE 8.9900 PAI $450.19 CLTV 80.000 MATURITY 120815 FEE 0.5000 LOAN 0000021874995 LAST_NAME HAWKINS ADDRESS 5215 N ENGLEWOOD DRIVE CITY HYATTSVILLE STATE MD ZIP 207850000 MORT $72,000.00 BAL $71,563.37 RATE 8.9900 PAI $647.34 CLTV 80.000 MATURITY 170722 FEE 0.5000 LOAN 0000021875026 LAST_NAME CLARK ADDRESS 1340 PARK ROAD, NW CITY WASHINGTON STATE DC ZIP 200100000 MORT $64,000.00 BAL $63,665.75 RATE 8.9900 PAI $575.42 CLTV 80.000 MATURITY 170808 FEE 0.5000 LOAN 0000021875034 LAST_NAME JOHNSON ADDRESS 64 K STREET, NW CITY WASHINGTON STATE DC ZIP 200010000 MORT $30,000.00 BAL $29,864.04 RATE 8.9900 PAI $269.73 CLTV 36.144 MATURITY 170809 FEE 0.5000 LOAN 0000021875042 LAST_NAME MOORE ADDRESS 7857 FREETOWN ROAD CITY GLEN BURNIE STATE MD ZIP 210600000 MORT $64,000.00 BAL $62,523.66 RATE 8.9500 PAI $647.23 CLTV 55.652 MATURITY 120610 FEE 0.5000 LOAN 0000021875059 LAST_NAME WILLIAMS ADDRESS 9519 FALLS ROAD CITY POTOMAC STATE MD ZIP 208540000 MORT $272,000.00 BAL $271,527.07 RATE 8.7500 PAI $2,139.83 CLTV 63.255 MATURITY 270805 FEE 0.5000 LOAN 0000021875067 LAST_NAME WEST ADDRESS 9 ARENA STREET CITY MANTUA STATE NJ ZIP 080510000 MORT $21,000.00 BAL $20,571.13 RATE 11.5000 PAI $245.32 CLTV 83.292 MATURITY 120806 FEE 0.5000 LOAN 0000021875083 LAST_NAME KOSZTYU ADDRESS 114 ORR ROAD CITY ALLENTOWN STATE NJ ZIP 085010000 MORT $115,000.00 BAL $114,341.97 RATE 9.4500 PAI $1,068.20 CLTV 57.500 MATURITY 170707 FEE 0.5000 LOAN 0000021875091 LAST_NAME DACE ADDRESS 29 MYRTLEWOOD LANE CITY WILLINGBORO STATE NJ ZIP 080460000 MORT $81,000.00 BAL $80,895.00 RATE 10.1500 PAI $719.83 CLTV 88.043 MATURITY 120806 FEE 0.5000 LOAN 0000021875133 LAST_NAME GRAY ADDRESS 6 PALOS PLACE CITY BUFFALO STATE NY ZIP 142150000 MORT $46,750.00 BAL $46,413.42 RATE 10.1500 PAI $506.68 CLTV 83.931 MATURITY 120806 FEE 0.5000 LOAN 0000021875158 LAST_NAME JONES ADDRESS 2405 W ROBINSON CITY CONWAY STATE AR ZIP 720320000 MORT $54,800.00 BAL $54,756.53 RATE 12.4000 PAI $580.61 CLTV 80.000 MATURITY 120805 FEE 0.5000 LOAN 0000021875166 LAST_NAME CHURCH ADDRESS 111 WORTHDALE DRIVE CITY WINSTON SAL STATE NC ZIP 271030000 MORT $35,000.00 BAL $34,642.19 RATE 9.5000 PAI $365.48 CLTV 38.888 MATURITY 120716 FEE 0.5000 LOAN 0000021875174 LAST_NAME DAVIDSON ADDRESS 1856 E HWY 55 CITY CLOVER STATE SC ZIP 297100000 MORT $41,000.00 BAL $40,411.41 RATE 10.5000 PAI $553.24 CLTV 27.333 MATURITY 70806 FEE 0.5000 LOAN 0000021875182 LAST_NAME COLLINS ADDRESS 605 GORDON STREET CITY HIGH POINT STATE NC ZIP 272600000 MORT $65,500.00 BAL $65,136.94 RATE 9.7000 PAI $619.13 CLTV 78.915 MATURITY 170707 FEE 0.5000 LOAN 0000021875190 LAST_NAME DIMEGLIO ADDRESS 49 E BELLAMY DR CITY NEW CASTLE STATE DE ZIP 197200000 MORT $93,400.00 BAL $92,773.12 RATE 8.9500 PAI $837.35 CLTV 79.829 MATURITY 170805 FEE 0.5000 LOAN 0000021875208 LAST_NAME BAITZ ADDRESS 551 HOBOKEN RD CITY CARLSTADT STATE NJ ZIP 070720000 MORT $125,000.00 BAL $124,941.21 RATE 12.9000 PAI $1,372.99 CLTV 71.428 MATURITY 120806 FEE 0.5000 LOAN 0000021875216 LAST_NAME HAWTHORNE ADDRESS 547 N AVERS STREET CITY CHICAGO STATE IL ZIP 606240000 MORT $88,200.00 BAL $88,116.45 RATE 11.6000 PAI $880.18 CLTV 84.000 MATURITY 120806 FEE 0.5000 LOAN 0000021875224 LAST_NAME HAUSER ADDRESS 30 WOODLAND RD CITY MAHOPAC STATE NY ZIP 105410000 MORT $32,000.00 BAL $31,780.93 RATE 10.7000 PAI $357.71 CLTV 78.987 MATURITY 120805 FEE 0.5000 LOAN 0000021875232 LAST_NAME BAMBERGER ADDRESS 60 UNION AVENUE CITY NEW WINDSOR STATE NY ZIP 125530000 MORT $96,000.00 BAL $95,429.43 RATE 9.1500 PAI $873.02 CLTV 79.207 MATURITY 170706 FEE 0.5000 LOAN 0000021875240 LAST_NAME LEEMING ADDRESS 15 HIGHLAND AVENUE CITY POMPTON PLA STATE NJ ZIP 074440000 MORT $89,000.00 BAL $88,800.53 RATE 8.9500 PAI $712.92 CLTV 61.379 MATURITY 120806 FEE 0.5000 LOAN 0000021875273 LAST_NAME REYNOLDS ADDRESS 505 E RIVER BLVD CITY MARION STATE IN ZIP 469520000 MORT $54,000.00 BAL $53,499.16 RATE 10.9500 PAI $555.55 CLTV 90.000 MATURITY 170625 FEE 0.5000 LOAN 0000021875323 LAST_NAME CHIPMAN ADDRESS 5480 HAWS SHOP TRAIL CITY HANOVER STATE VA ZIP 230690000 MORT $15,000.00 BAL $14,925.50 RATE 9.7000 PAI $195.75 CLTV 37.887 MATURITY 71029 FEE 0.5000 LOAN 0000021875414 LAST_NAME BOROWIEC ADDRESS 8147 WOODS HIGHWAY CITY WHITESTOWN STATE NY ZIP 134920000 MORT $36,500.00 BAL $36,448.73 RATE 9.5000 PAI $340.23 CLTV 62.393 MATURITY 171101 FEE 0.5000 LOAN 0000021875448 LAST_NAME RODRIGUEZ ADDRESS 2008 HIGH ROCKS DRIVE CITY CALISTOGA STATE CA ZIP 945150000 MORT $26,000.00 BAL $25,862.26 RATE 9.8000 PAI $340.72 CLTV 74.283 MATURITY 71027 FEE 0.5000 LOAN 0000021875455 LAST_NAME MAYER ADDRESS 456 GLENWOOD LANE CITY TOWN OF HEM STATE NY ZIP 115540000 MORT $82,700.00 BAL $81,800.40 RATE 8.1500 PAI $1,009.95 CLTV 50.121 MATURITY 70929 FEE 0.5000 LOAN 0000021875463 LAST_NAME DRAUGHN ADDRESS 423 W 7TH ST CITY BORO LANSDA STATE PA ZIP 194460000 MORT $104,400.00 BAL $104,302.18 RATE 9.7500 PAI $896.96 CLTV 90.000 MATURITY 270910 FEE 0.5000 LOAN 0000021875521 LAST_NAME CASPER ADDRESS 4223 E YUKON ST CITY TAMPA STATE FL ZIP 336170000 MORT $31,000.00 BAL $30,970.02 RATE 9.6000 PAI $262.93 CLTV 67.391 MATURITY 270917 FEE 0.5000 LOAN 0000021875588 LAST_NAME EVANS ADDRESS 321 HOLMES BLVD CITY FORT WALTON STATE FL ZIP 325480000 MORT $12,000.00 BAL $11,947.22 RATE 11.8000 PAI $170.78 CLTV 84.782 MATURITY 71009 FEE 0.5000 LOAN 0000021875612 LAST_NAME TRAWICK ADDRESS 105 6TH AVENUE CITY CHICKASAW STATE AL ZIP 366110000 MORT $33,750.00 BAL $33,737.29 RATE 10.7500 PAI $315.05 CLTV 75.000 MATURITY 271003 FEE 0.5000 LOAN 0000021875620 LAST_NAME HALEY ADDRESS 11624 110TH AVE CITY DAVENPORT STATE IA ZIP 528040000 MORT $59,500.00 BAL $59,454.98 RATE 10.7500 PAI $555.43 CLTV 84.397 MATURITY 270930 FEE 0.5000 LOAN 0000021875638 LAST_NAME FINE ADDRESS 2702 BIRD VIEW ROAD CITY WESTMINSTER STATE MD ZIP 211570000 MORT $234,000.00 BAL $233,780.77 RATE 9.7500 PAI $2,010.42 CLTV 90.000 MATURITY 120924 FEE 0.5000 LOAN 0000021875661 LAST_NAME SCOTT ADDRESS 1307 CLAY STREET CITY LA PORTE STATE IN ZIP 463500000 MORT $48,000.00 BAL $47,773.53 RATE 9.5000 PAI $447.43 CLTV 76.800 MATURITY 170804 FEE 0.5000 LOAN 0000021875737 LAST_NAME ATWOOD ADDRESS 9210 COOGAN DRIVE CITY CINCINNATI STATE OH ZIP 452310000 MORT $71,150.00 BAL $71,019.34 RATE 10.9500 PAI $674.90 CLTV 89.496 MATURITY 270623 FEE 0.5000 LOAN 0000021875745 LAST_NAME BIANCHI ADDRESS 61 BROADWAY CITY BAYONNE STATE NJ ZIP 070020000 MORT $35,000.00 BAL $34,912.40 RATE 9.6000 PAI $367.60 CLTV 62.878 MATURITY 121027 FEE 0.5000 LOAN 0000021875752 LAST_NAME PELTZ ADDRESS 2402 GLENMORE TERRACE CITY ROCKVILLE STATE MD ZIP 208500000 MORT $154,600.00 BAL $153,853.17 RATE 8.1500 PAI $1,150.61 CLTV 78.080 MATURITY 120917 FEE 0.5000 LOAN 0000021875836 LAST_NAME GROENEVELD ADDRESS 22350 SW GRAHAMS FERRY RO CITY TUALATIN STATE OR ZIP 970620000 MORT $30,000.00 BAL $29,725.60 RATE 9.7000 PAI $316.90 CLTV 61.203 MATURITY 121027 FEE 0.5000 LOAN 0000021875919 LAST_NAME COUSENS ADDRESS 181 TOLL GATE ROAD CITY GROTON STATE CT ZIP 063400000 MORT $116,000.00 BAL $115,891.32 RATE 9.7500 PAI $996.62 CLTV 87.878 MATURITY 270910 FEE 0.5000 LOAN 0000021876024 LAST_NAME SUMMERS ADDRESS 43220 DEVON LANE CITY CANTON STATE MI ZIP 481870000 MORT $140,000.00 BAL $138,843.96 RATE 9.2500 PAI $1,151.75 CLTV 80.000 MATURITY 120715 FEE 0.5000 LOAN 0000021876057 LAST_NAME FULLHART ADDRESS 3911 S BEACON CITY MUNCIE STATE IN ZIP 473020000 MORT $47,500.00 BAL $47,221.22 RATE 9.2500 PAI $435.04 CLTV 73.076 MATURITY 170715 FEE 0.5000 LOAN 0000021876149 LAST_NAME PENNA ADDRESS 872 FELLSWAY CITY MEDFORD STATE MA ZIP 021550000 MORT $158,500.00 BAL $158,322.57 RATE 8.9000 PAI $1,263.93 CLTV 75.476 MATURITY 270903 FEE 0.5000 LOAN 0000021876172 LAST_NAME AKERS ADDRESS 2703 SHINE STREET CITY ORLANDO STATE FL ZIP 328060000 MORT $148,000.00 BAL $147,772.67 RATE 8.9000 PAI $1,322.10 CLTV 80.000 MATURITY 170924 FEE 0.5000 LOAN 0000021876297 LAST_NAME FINCH ADDRESS 128 CEDAR STREET CITY TOWN OF BOS STATE FL ZIP 320070000 MORT $32,000.00 BAL $31,921.00 RATE 9.7500 PAI $339.00 CLTV 60.952 MATURITY 121010 FEE 0.5000 LOAN 0000021876339 LAST_NAME TOBOLASKI ADDRESS 2342 S. OAK PARK AVENUE CITY BERWYN STATE IL ZIP 604020000 MORT $30,000.00 BAL $29,748.93 RATE 9.5500 PAI $389.02 CLTV 79.736 MATURITY 71029 FEE 0.5000 LOAN 0000021876388 LAST_NAME JENKINS ADDRESS 947 JEANNE AVENUE CITY SAN JOSE STATE CA ZIP 951160000 MORT $40,000.00 BAL $40,000.00 RATE 9.6000 PAI $375.47 CLTV 78.550 MATURITY 171117 FEE 0.5000 LOAN 0000021876537 LAST_NAME JONES ADDRESS 125 MALLARD POINT DRIVE CITY TITUS STATE AL ZIP 360800000 MORT $30,000.00 BAL $30,000.00 RATE 9.7000 PAI $316.90 CLTV 61.584 MATURITY 121101 FEE 0.5000 LOAN 0000021876552 LAST_NAME OWENS ADDRESS 600 CAROLINA AVENUE CITY LOWELL STATE NC ZIP 280980000 MORT $68,800.00 BAL $68,684.03 RATE 8.9000 PAI $548.64 CLTV 80.000 MATURITY 120804 FEE 0.5000 LOAN 0000021876560 LAST_NAME EZIS ADDRESS 95 QUARRY STREET CITY WINDHAM STATE CT ZIP 062260000 MORT $101,600.00 BAL $101,296.25 RATE 9.1000 PAI $920.67 CLTV 80.000 MATURITY 170902 FEE 0.5000 LOAN 0000021876578 LAST_NAME PLUNKETT ADDRESS 6 COUNTRY LANE CITY WARWICK STATE RI ZIP 028860000 MORT $22,460.00 BAL $22,460.00 RATE 10.4000 PAI $246.89 CLTV 84.864 MATURITY 121126 FEE 0.5000 LOAN 0000021876628 LAST_NAME SUMNER ADDRESS 6117 TORREON DRIVE NE CITY ALBUQUERQUE STATE NM ZIP 871090000 MORT $18,000.00 BAL $18,000.00 RATE 9.8000 PAI $235.89 CLTV 56.506 MATURITY 71110 FEE 0.5000 LOAN 0000021876651 LAST_NAME JOHNS ADDRESS 4618 GREENLEE AVE CITY CINCINNATI STATE OH ZIP 452170000 MORT $65,700.00 BAL $65,628.29 RATE 10.9500 PAI $623.20 CLTV 90.000 MATURITY 120725 FEE 0.5000 LOAN 0000021876685 LAST_NAME GALUSHA ADDRESS 64815 E LUPINE DRIVE CITY RHODODENDRO STATE OR ZIP 970490000 MORT $102,000.00 BAL $101,091.93 RATE 9.1000 PAI $828.07 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021876719 LAST_NAME GUENSBURG ADDRESS 2909 N LEWIS AVE CITY WAUKEGAN STATE IL ZIP 600870000 MORT $75,000.00 BAL $74,858.31 RATE 9.7500 PAI $644.37 CLTV 76.530 MATURITY 120630 FEE 0.5000 LOAN 0000021876727 LAST_NAME HENDERSON ADDRESS 3421 W 12TH ST CITY INDIANAPOLI STATE IN ZIP 462220000 MORT $33,300.00 BAL $33,069.79 RATE 9.7500 PAI $315.86 CLTV 65.294 MATURITY 170630 FEE 0.5000 LOAN 0000021876818 LAST_NAME DENNIS ADDRESS 403 E FRY STREET CITY CLAREMORE STATE OK ZIP 740170000 MORT $56,250.00 BAL $56,111.77 RATE 9.8000 PAI $597.61 CLTV 90.000 MATURITY 121003 FEE 0.5000 LOAN 0000021876834 LAST_NAME SMITH ADDRESS 108 GLEN OAKS ROAD CITY PERRY STATE GA ZIP 310690000 MORT $85,000.00 BAL $84,866.13 RATE 8.6000 PAI $743.04 CLTV 85.000 MATURITY 170924 FEE 0.5000 LOAN 0000021876917 LAST_NAME MC GREGOR ADDRESS 9 DOTTIE LANE CITY WINSLOW TOW STATE NJ ZIP 080810000 MORT $18,660.00 BAL $18,616.20 RATE 10.3000 PAI $203.96 CLTV 84.997 MATURITY 121101 FEE 0.5000 LOAN 0000021876933 LAST_NAME CAIN ADDRESS 217 NORTH HUGHES STREET CITY COLUMBUS STATE IN ZIP 472010000 MORT $60,000.00 BAL $59,803.06 RATE 8.3000 PAI $513.13 CLTV 80.000 MATURITY 170924 FEE 0.5000 LOAN 0000021876966 LAST_NAME ROBINSON ADDRESS 1328 BELTON SHADE VILLAGE CITY CAMDEN STATE SC ZIP 290200000 MORT $60,000.00 BAL $59,842.15 RATE 9.0500 PAI $610.35 CLTV 66.666 MATURITY 120922 FEE 0.5000 LOAN 0000021876974 LAST_NAME ROMNES ADDRESS 2 ECLIPSE TRAIL CITY ORMOND BEAC STATE FL ZIP 321740000 MORT $8,125.00 BAL $8,125.00 RATE 10.4000 PAI $89.32 CLTV 84.927 MATURITY 121117 FEE 0.5000 LOAN 0000021876982 LAST_NAME WAGNER ADDRESS 507 COLLEGE AVENUE CITY LUTHERVILLE STATE MD ZIP 210930000 MORT $96,000.00 BAL $95,951.26 RATE 9.3500 PAI $796.74 CLTV 75.294 MATURITY 121020 FEE 0.5000 LOAN 0000021877055 LAST_NAME MCCORD ADDRESS 4900 POWELL ROAD CITY FAIRFAX STATE VA ZIP 220320000 MORT $218,000.00 BAL $217,732.18 RATE 8.4500 PAI $1,668.52 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021877154 LAST_NAME WEAVER ADDRESS 155 E WOODMONT DRIVE CITY PARIS STATE KY ZIP 403610000 MORT $73,200.00 BAL $72,967.13 RATE 8.5500 PAI $637.57 CLTV 80.000 MATURITY 170923 FEE 0.5000 LOAN 0000021877188 LAST_NAME MCKEON ADDRESS 8970 SW 75TH STREET CITY MIAMI STATE FL ZIP 331730000 MORT $57,200.00 BAL $56,557.44 RATE 9.3750 PAI $592.99 CLTV 29.791 MATURITY 120801 FEE 0.5000 LOAN 0000021877246 LAST_NAME MOLETT ADDRESS 574 NINA COURT CITY WILMINGTON STATE NC ZIP 284120000 MORT $20,000.00 BAL $20,000.00 RATE 9.7000 PAI $261.00 CLTV 61.085 MATURITY 71103 FEE 0.5000 LOAN 0000021877261 LAST_NAME JOHNSON ADDRESS 61 PINEY TRAIL CITY CABOT STATE AR ZIP 720230000 MORT $65,000.00 BAL $64,943.78 RATE 10.1250 PAI $576.43 CLTV 73.033 MATURITY 270901 FEE 0.5000 LOAN 0000021877287 LAST_NAME LLEWELLYN ADDRESS 2911 DAUPHIN STREET CITY MOBILE STATE AL ZIP 366060000 MORT $36,900.00 BAL $36,726.84 RATE 10.3500 PAI $404.47 CLTV 80.793 MATURITY 120916 FEE 0.5000 LOAN 0000021877303 LAST_NAME STANLEY ADDRESS 12503 LICK RUN ROAD CITY NEWCOMERSTO STATE OH ZIP 438320000 MORT $29,250.00 BAL $29,238.50 RATE 10.5500 PAI $268.66 CLTV 75.000 MATURITY 271001 FEE 0.5000 LOAN 0000021877311 LAST_NAME WESTLUND ADDRESS 304 N CLIFTON AVE CITY ELGIN STATE IL ZIP 601230000 MORT $60,000.00 BAL $59,929.75 RATE 8.7000 PAI $469.88 CLTV 70.588 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ADDRESS 10 WEBB CIRCLE CITY CHATTANOOGA STATE TN ZIP 374150000 MORT $48,900.00 BAL $48,281.98 RATE 9.6000 PAI $513.59 CLTV 72.985 MATURITY 120710 FEE 0.5000 LOAN 0000021878038 LAST_NAME BERNABIE ADDRESS 552- 556 PENN AVENUE CITY MIDLAND STATE PA ZIP 150590000 MORT $34,000.00 BAL $33,770.46 RATE 10.1500 PAI $368.50 CLTV 79.069 MATURITY 120714 FEE 0.5000 LOAN 0000021878079 LAST_NAME BINNS ADDRESS 105 POSEIDON LN CITY PONTE VEDRA STATE FL ZIP 320820000 MORT $30,000.00 BAL $29,800.03 RATE 10.9900 PAI $340.80 CLTV 62.042 MATURITY 120716 FEE 0.5000 LOAN 0000021878087 LAST_NAME COMBS ADDRESS 2301 BETHUNE AVENUE CITY JACKSONVILL STATE FL ZIP 322070000 MORT $48,000.00 BAL $47,975.63 RATE 9.3500 PAI $398.37 CLTV 77.419 MATURITY 120624 FEE 0.5000 LOAN 0000021878095 LAST_NAME DEGRACI ADDRESS 2005 SW 84TH AVENUE CITY NORTH LAUDE STATE FL ZIP 330680000 MORT $8,000.00 BAL $7,896.13 RATE 9.8000 PAI $169.20 CLTV 68.752 MATURITY 21022 FEE 0.5000 LOAN 0000021878129 LAST_NAME GUIDO ADDRESS 146 MICHIGAN AVENUE CITY LOWER BURRE STATE PA ZIP 150680000 MORT $92,800.00 BAL $92,403.60 RATE 9.5000 PAI $780.32 CLTV 80.000 MATURITY 270625 FEE 0.5000 LOAN 0000021878137 LAST_NAME HEGLAS ADDRESS 161 COURTNEY DR CITY VERONA STATE PA ZIP 151470000 MORT $64,000.00 BAL $63,943.00 RATE 9.9900 PAI $561.18 CLTV 80.000 MATURITY 120623 FEE 0.5000 LOAN 0000021878145 LAST_NAME CLIFT ADDRESS 107 IGOU FERRY RD CITY SODDY DAISY STATE TN ZIP 373790000 MORT $94,800.00 BAL $93,876.21 RATE 9.8500 PAI $1,010.05 CLTV 75.840 MATURITY 120714 FEE 0.5000 LOAN 0000021878152 LAST_NAME TINSLEY ADDRESS 3201 E 32ND ST CITY CHATTANOOGA STATE TN ZIP 374070000 MORT $84,000.00 BAL $83,957.35 RATE 9.3500 PAI $697.15 CLTV 80.000 MATURITY 270630 FEE 0.5000 LOAN 0000021878160 LAST_NAME DESTA ADDRESS 5009 MELROW CT CITY TAMPA STATE FL ZIP 336240000 MORT $86,760.00 BAL $85,929.49 RATE 9.0000 PAI $698.10 CLTV 80.000 MATURITY 270707 FEE 0.5000 LOAN 0000021878236 LAST_NAME SERRANO ADDRESS 918 WEST 23RD STREET CITY LORAIN STATE OH ZIP 440520000 MORT $60,000.00 BAL $59,900.02 RATE 8.1500 PAI $507.48 CLTV 80.000 MATURITY 171008 FEE 0.5000 LOAN 0000021878251 LAST_NAME MEDINA ADDRESS 1934 LA FRANCE AVENUE CITY CITY OF SOU STATE CA ZIP 910300000 MORT $35,000.00 BAL $35,000.00 RATE 9.3000 PAI $321.69 CLTV 61.332 MATURITY 171117 FEE 0.5000 LOAN 0000021878277 LAST_NAME RISINGER ADDRESS 3825 NE 92ND STREET CITY KANSAS CITY STATE MO ZIP 641560000 MORT $133,000.00 BAL $132,620.72 RATE 8.1500 PAI $1,282.57 CLTV 73.076 MATURITY 121014 FEE 0.5000 LOAN 0000021878285 LAST_NAME HILL ADDRESS 985 GOODHUE CIRCLE CITY CINCINNATI STATE OH ZIP 452400000 MORT $79,650.00 BAL $79,622.00 RATE 9.9900 PAI $698.40 CLTV 90.000 MATURITY 120728 FEE 0.5000 LOAN 0000021878327 LAST_NAME HUDGENS ADDRESS 7855 SE RIVER LANE CITY STUART STATE FL ZIP 349970000 MORT $18,000.00 BAL $17,958.14 RATE 10.4000 PAI $197.86 CLTV 83.146 MATURITY 121020 FEE 0.5000 LOAN 0000021878335 LAST_NAME GIBBS ADDRESS 5023 MIMOSA TRAIL CITY CHATTANOOGA STATE TN ZIP 374160000 MORT $51,000.00 BAL $49,971.66 RATE 9.6500 PAI $664.13 CLTV 61.445 MATURITY 70731 FEE 0.5000 LOAN 0000021878343 LAST_NAME MILLER ADDRESS 5239 MONTA VISTA DRIVE CITY CHARLESTON STATE WV ZIP 253130000 MORT $69,600.00 BAL $69,401.52 RATE 8.1500 PAI $671.18 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021878350 LAST_NAME BOWERS ADDRESS 2683 WINCHESTER AVENUE CITY PHILADELPHI STATE PA ZIP 191520000 MORT $13,000.00 BAL $12,834.54 RATE 10.5500 PAI $279.75 CLTV 84.420 MATURITY 21022 FEE 0.5000 LOAN 0000021878400 LAST_NAME TUCKER ADDRESS 6226 LANNIE ROAD CITY JACKSONVILL STATE FL ZIP 322180000 MORT $51,000.00 BAL $50,931.03 RATE 9.9500 PAI $445.68 CLTV 85.000 MATURITY 120808 FEE 0.5000 LOAN 0000021878467 LAST_NAME BUTTON ADDRESS 8215 MILL RACE DR CITY OOLTEWAH STATE TN ZIP 373630000 MORT $261,000.00 BAL $259,562.58 RATE 9.7500 PAI $2,475.63 CLTV 88.474 MATURITY 170731 FEE 0.5000 LOAN 0000021878491 LAST_NAME LINTNER ADDRESS 2308 BOULEVARD STREET NOR CITY TAMPA STATE FL ZIP 336020000 MORT $38,400.00 BAL $38,254.75 RATE 8.7500 PAI $302.10 CLTV 80.000 MATURITY 120805 FEE 0.5000 LOAN 0000021878509 LAST_NAME STEELE ADDRESS BOX 410 EDENBORO ROAD CITY MT. GARLAND STATE NC ZIP 273060000 MORT $28,000.00 BAL $27,984.05 RATE 8.8000 PAI $221.28 CLTV 80.000 MATURITY 270929 FEE 0.5000 LOAN 0000021878517 LAST_NAME WITHEROW ADDRESS 1315 SABLE PALM BEACH DRI CITY BOCA RATON STATE FL ZIP 334320000 MORT $46,200.00 BAL $46,200.00 RATE 9.7000 PAI $488.03 CLTV 46.119 MATURITY 121113 FEE 0.5000 LOAN 0000021878525 LAST_NAME TOLLEN ADDRESS 350 KATIE LN CITY CARROLLTON STATE GA ZIP 301170000 MORT $58,400.00 BAL $58,317.59 RATE 9.7500 PAI $501.75 CLTV 80.000 MATURITY 120904 FEE 0.5000 LOAN 0000021878566 LAST_NAME SUMMEY ADDRESS 7606 AUSTIN DR CITY CHATTANOOGA STATE TN ZIP 374150000 MORT $72,000.00 BAL $70,796.71 RATE 9.7500 PAI $682.94 CLTV 90.000 MATURITY 170729 FEE 0.5000 LOAN 0000021878590 LAST_NAME STEPNICK ADDRESS 216 RIDGEWOOD AVENUE CITY PITTSBURGH STATE PA ZIP 152290000 MORT $60,000.00 BAL $59,738.57 RATE 9.3000 PAI $551.47 CLTV 75.000 MATURITY 170729 FEE 0.5000 LOAN 0000021878608 LAST_NAME JOHNSON ADDRESS 18350 WHIT GORDON RD CITY LIVINGSTON STATE LA ZIP 707540000 MORT $34,500.00 BAL $32,695.76 RATE 9.5400 PAI $515.15 CLTV 75.000 MATURITY 50813 FEE 0.5000 LOAN 0000021878699 LAST_NAME CESAR ADDRESS 1717-1717A N 2ND ST CITY SHEBOYGAN STATE WI ZIP 530810000 MORT $66,000.00 BAL $65,649.85 RATE 9.0000 PAI $669.42 CLTV 84.615 MATURITY 120901 FEE 0.5000 LOAN 0000021878749 LAST_NAME HINDS ADDRESS 4911 HOWARDVILLE ROAD CITY APISON STATE TN ZIP 373020000 MORT $76,000.00 BAL $75,645.04 RATE 8.7500 PAI $671.63 CLTV 80.000 MATURITY 170731 FEE 0.5000 LOAN 0000021878814 LAST_NAME ROBERTS ADDRESS 7870 TOWER DRIVE CITY MOBILE STATE AL ZIP 366190000 MORT $84,600.00 BAL $84,376.25 RATE 10.0000 PAI $816.41 CLTV 88.125 MATURITY 170912 FEE 0.5000 LOAN 0000021878822 LAST_NAME ANTONAKOS ADDRESS 8045 EMBASSY BLVD CITY PORT RICHEY STATE FL ZIP 346680000 MORT $68,000.00 BAL $67,901.69 RATE 9.4900 PAI $571.29 CLTV 85.000 MATURITY 120718 FEE 0.5000 LOAN 0000021878848 LAST_NAME HENDERSON ADDRESS 1632 NORTH MASON CITY CHICAGO STATE IL ZIP 606390000 MORT $35,500.00 BAL $35,500.00 RATE 10.4000 PAI $390.22 CLTV 81.695 MATURITY 121103 FEE 0.5000 LOAN 0000021878855 LAST_NAME ROOKER ADDRESS 130 CANDLEWOOD MOUNTAIN R CITY NEW MILFORD STATE CT ZIP 067760000 MORT $211,500.00 BAL $210,918.56 RATE 9.7000 PAI $1,999.17 CLTV 90.000 MATURITY 170910 FEE 0.5000 LOAN 0000021878889 LAST_NAME BROADWAY ADDRESS 14331 COTTAGE GROVE AVENU CITY DOLTON STATE IL ZIP 604190000 MORT $84,700.00 BAL $84,652.76 RATE 8.9000 PAI $675.43 CLTV 83.039 MATURITY 121001 FEE 0.5000 LOAN 0000021878897 LAST_NAME DINGER ADDRESS 209 15TH STREET CITY PITTSBURGH STATE PA ZIP 152150000 MORT $44,000.00 BAL $43,806.09 RATE 9.7000 PAI $415.91 CLTV 80.000 MATURITY 170714 FEE 0.5000 LOAN 0000021878913 LAST_NAME DANFORD ADDRESS 712 BELGIAN AVENUE CITY BALTIMORE STATE MD ZIP 212180000 MORT $19,000.00 BAL $18,893.63 RATE 8.4000 PAI $185.99 CLTV 29.457 MATURITY 120924 FEE 0.5000 LOAN 0000021878947 LAST_NAME POWERS ADDRESS 4538 ST ANTHONY LANE CITY COLUMBUS STATE OH ZIP 432130000 MORT $43,600.00 BAL $42,934.29 RATE 9.5500 PAI $456.60 CLTV 67.076 MATURITY 120813 FEE 0.5000 LOAN 0000021878962 LAST_NAME TOBBE ADDRESS 14530 S TURNER AVENUE CITY MIDLOTHIAN STATE IL ZIP 604450000 MORT $82,620.00 BAL $82,573.92 RATE 8.9000 PAI $658.85 CLTV 81.000 MATURITY 271001 FEE 0.5000 LOAN 0000021878988 LAST_NAME BROUGH ADDRESS 4765 SPLIT RAIL CITY BRIGHTON STATE MI ZIP 481160000 MORT $244,000.00 BAL $243,553.40 RATE 8.5000 PAI $1,876.15 CLTV 80.000 MATURITY 270901 FEE 0.5000 LOAN 0000021878996 LAST_NAME HUERAMO ADDRESS 2243 S ST LOUIS AVENUE CITY CHICAGO STATE IL ZIP 606230000 MORT $50,000.00 BAL $49,874.29 RATE 9.5500 PAI $523.63 CLTV 54.945 MATURITY 121016 FEE 0.5000 LOAN 0000021879036 LAST_NAME MOATZ ADDRESS 4911 LOSCO ROAD CITY JACKSONVILL STATE FL ZIP 322570000 MORT $95,000.00 BAL $94,058.93 RATE 9.8500 PAI $1,012.18 CLTV 47.738 MATURITY 120731 FEE 0.5000 LOAN 0000021879093 LAST_NAME TABOR ADDRESS 1515 STUYVESANT AVE CITY TRENTON STATE NJ ZIP 086180000 MORT $150,300.00 BAL $150,300.00 RATE 10.3000 PAI $1,352.43 CLTV 90.000 MATURITY 271003 FEE 0.5000 LOAN 0000021879168 LAST_NAME SCOTT ADDRESS 3868 TURNER ROAD CITY RICHMOND STATE IN ZIP 473740000 MORT $56,000.00 BAL $55,706.89 RATE 9.1500 PAI $573.00 CLTV 63.926 MATURITY 120922 FEE 0.5000 LOAN 0000021879176 LAST_NAME MCCLOY ADDRESS 445 GREEN TURTLE COVE CITY SATALLITE B STATE FL ZIP 329370000 MORT $180,000.00 BAL $178,908.41 RATE 8.9900 PAI $1,618.35 CLTV 80.000 MATURITY 170722 FEE 0.5000 LOAN 0000021879226 LAST_NAME WHITE ADDRESS 2783 7TH ST CITY CUYAHOGA FA STATE OH ZIP 442210000 MORT $75,750.00 BAL $75,624.66 RATE 8.9900 PAI $608.96 CLTV 75.000 MATURITY 120806 FEE 0.5000 LOAN 0000021879259 LAST_NAME FLOYD ADDRESS 11 MOTT LANE CITY BROOKHAVEN STATE NY ZIP 117190000 MORT $40,000.00 BAL $39,980.32 RATE 9.5000 PAI $336.35 CLTV 31.746 MATURITY 270925 FEE 0.5000 LOAN 0000021879275 LAST_NAME GREGORY ADDRESS 360 LONG LANE CITY ELIZABETH C STATE NC ZIP 279090000 MORT $27,200.00 BAL $27,200.00 RATE 8.8500 PAI $273.46 CLTV 80.000 MATURITY 121117 FEE 0.5000 LOAN 0000021879374 LAST_NAME JENSIK ADDRESS 3772 LAUREL ROAD CITY BRUNSWICK STATE OH ZIP 442120000 MORT $33,500.00 BAL $33,318.41 RATE 8.1500 PAI $409.11 CLTV 33.500 MATURITY 71007 FEE 0.5000 LOAN 0000021879390 LAST_NAME JENSIK ADDRESS 3772 LAUREL ROAD CITY BRUNSWICK STATE OH ZIP 442120000 MORT $17,500.00 BAL $17,261.88 RATE 8.7000 PAI $360.73 CLTV 51.000 MATURITY 21007 FEE 0.5000 LOAN 0000021879424 LAST_NAME DINKINS ADDRESS 6704 N 12TH ST CITY PHILADELPHI STATE PA ZIP 191260000 MORT $77,000.00 BAL $76,422.47 RATE 9.7000 PAI $813.38 CLTV 70.000 MATURITY 120804 FEE 0.5000 LOAN 0000021879481 LAST_NAME FLOWERS ADDRESS 23284 JOE MAY RD CITY DENHAM SPRI STATE LA ZIP 707260000 MORT $49,200.00 BAL $48,156.83 RATE 8.7500 PAI $616.61 CLTV 80.000 MATURITY 70801 FEE 0.5000 LOAN 0000021879549 LAST_NAME MACK ADDRESS 222 PRESTWICK LANE CITY NEW CASTLE STATE DE ZIP 197200000 MORT $107,200.00 BAL $107,106.77 RATE 10.1000 PAI $948.69 CLTV 80.000 MATURITY 120723 FEE 0.5000 LOAN 0000021879572 LAST_NAME TATE ADDRESS 46 ROBINSON POND ROAD CITY HUDSON STATE NH ZIP 030510000 MORT $85,000.00 BAL $84,546.03 RATE 9.9900 PAI $819.71 CLTV 45.945 MATURITY 170728 FEE 0.5000 LOAN 0000021879622 LAST_NAME BARRETT ADDRESS 1609 S LEA AVENUE CITY ROSWELL STATE NM ZIP 882010000 MORT $67,200.00 BAL $67,098.09 RATE 8.9000 PAI $600.31 CLTV 80.000 MATURITY 170930 FEE 0.5000 LOAN 0000021879762 LAST_NAME CARROLL ADDRESS 48 BEECHCREST STREET CITY WARWICK STATE RI ZIP 028880000 MORT $35,000.00 BAL $34,959.99 RATE 8.8000 PAI $276.60 CLTV 46.666 MATURITY 120902 FEE 0.5000 LOAN 0000021879796 LAST_NAME HOWARD ADDRESS 430 CORNELL AVE. CITY PEMBERTON STATE NJ ZIP 080600000 MORT $58,500.00 BAL $58,265.92 RATE 8.5000 PAI $683.65 CLTV 62.903 MATURITY 81003 FEE 0.5000 LOAN 0000021879853 LAST_NAME EVERHART ADDRESS 426B RT CITY FAYETTEVILL STATE NC ZIP 283040000 MORT $18,000.00 BAL $18,000.00 RATE 9.5000 PAI $187.97 CLTV 79.883 MATURITY 121124 FEE 0.5000 LOAN 0000021879879 LAST_NAME GULLEDGE ADDRESS 8558 MCALLISTER DR CITY THEODORE STATE AL ZIP 365820000 MORT $52,000.00 BAL $51,708.92 RATE 8.4000 PAI $509.03 CLTV 79.389 MATURITY 120917 FEE 0.5000 LOAN 0000021879903 LAST_NAME FORD ADDRESS 4725 QUADRANT ST CITY CAPITOL HEI STATE MD ZIP 207430000 MORT $75,500.00 BAL $75,387.69 RATE 9.5000 PAI $634.85 CLTV 68.949 MATURITY 270827 FEE 0.5000 LOAN 0000021879945 LAST_NAME DUNN ADDRESS 1800 N OHIO AVENUE CITY ATLANTIC CI STATE NJ ZIP 084010000 MORT $37,300.00 BAL $37,136.90 RATE 9.9900 PAI $359.71 CLTV 49.078 MATURITY 171010 FEE 0.5000 LOAN 0000021879978 LAST_NAME LATTIMORE ADDRESS 2567 CHANNING RD CITY UNIVERSITY STATE OH ZIP 441180000 MORT $116,800.00 BAL $116,619.44 RATE 9.3500 PAI $969.37 CLTV 80.000 MATURITY 120820 FEE 0.5000 LOAN 0000021880000 LAST_NAME FRENCH ADDRESS 5516 PEERLESS AVE CITY BALTIMORE STATE MD ZIP 212070000 MORT $20,000.00 BAL $19,853.89 RATE 9.9900 PAI $214.80 CLTV 28.571 MATURITY 120820 FEE 0.5000 LOAN 0000021880026 LAST_NAME ANDREASEN ADDRESS 5517 VAN DYKE ROAD CITY LUTZ STATE FL ZIP 335490000 MORT $24,500.00 BAL $24,500.00 RATE 9.7000 PAI $319.72 CLTV 63.701 MATURITY 71119 FEE 0.5000 LOAN 0000021880034 LAST_NAME LAMONTAGUE ADDRESS 408 BROADWAY CITY NORTH ATTLE STATE MA ZIP 027600000 MORT $90,000.00 BAL $89,520.40 RATE 8.9500 PAI $910.16 CLTV 69.230 MATURITY 120909 FEE 0.5000 LOAN 0000021880083 LAST_NAME KERNS ADDRESS 908 E FORK RD CITY NEW VIENNA STATE OH ZIP 451590000 MORT $117,000.00 BAL $116,851.55 RATE 10.2500 PAI $1,048.44 CLTV 90.000 MATURITY 120808 FEE 0.5000 LOAN 0000021880091 LAST_NAME JOHNSON ADDRESS 64 K ST NW CITY WASHINGTON STATE DC ZIP 200010000 MORT $36,000.00 BAL $35,866.44 RATE 10.5500 PAI $360.63 CLTV 79.518 MATURITY 170819 FEE 0.5000 LOAN 0000021880133 LAST_NAME ASHLEY ADDRESS 142 MOUNTAIN VIEW RIDGE D CITY WILKESBORO STATE NC ZIP 286970000 MORT $52,000.00 BAL $51,623.60 RATE 10.2500 PAI $566.78 CLTV 80.000 MATURITY 120929 FEE 0.5000 LOAN 0000021880174 LAST_NAME REYNOLD ADDRESS 2691 CENTENNIAL ROAD CITY HANOVER STATE PA ZIP 173310000 MORT $50,000.00 BAL $49,788.98 RATE 9.5500 PAI $467.70 CLTV 48.780 MATURITY 170814 FEE 0.5000 LOAN 0000021880182 LAST_NAME TERRELL ADDRESS 5217 S PURITAN AVE CITY TAMPA STATE FL ZIP 336110000 MORT $52,500.00 BAL $52,242.10 RATE 9.8500 PAI $559.36 CLTV 70.000 MATURITY 120822 FEE 0.5000 LOAN 0000021880232 LAST_NAME PARKER ADDRESS 1112 N FIRST ST CITY BIRMINGHAM STATE AL ZIP 352040000 MORT $39,750.00 BAL $39,602.44 RATE 12.7500 PAI $458.65 CLTV 75.000 MATURITY 170714 FEE 0.5000 LOAN 0000021880257 LAST_NAME MALINGOWSKI ADDRESS 234 PROVOST RD CITY PITTSBURGH STATE PA ZIP 152270000 MORT $52,000.00 BAL $51,779.94 RATE 9.5500 PAI $486.41 CLTV 80.000 MATURITY 170804 FEE 0.5000 LOAN 0000021880273 LAST_NAME JONES ADDRESS 134 EAST 6TH STREET CITY MONROE STATE MI ZIP 481610000 MORT $89,000.00 BAL $87,415.88 RATE 8.1500 PAI $1,393.84 CLTV 74.789 MATURITY 40929 FEE 0.5000 LOAN 0000021880307 LAST_NAME GONZALES ADDRESS 205 DELAWARE CITY ALAMOGORDO STATE NM ZIP 883100000 MORT $30,400.00 BAL $30,354.48 RATE 9.0000 PAI $273.52 CLTV 80.000 MATURITY 171022 FEE 0.5000 LOAN 0000021880315 LAST_NAME HAMILTON ADDRESS 2413 ORIOLE ST CITY SLIDELL STATE LA ZIP 704600000 MORT $60,000.00 BAL $59,778.87 RATE 10.6000 PAI $603.06 CLTV 80.000 MATURITY 170728 FEE 0.5000 LOAN 0000021880356 LAST_NAME MELENDEZ ADDRESS 2200 S 38TH STREET CITY ST. PETERSB STATE FL ZIP 337110000 MORT $36,800.00 BAL $36,415.01 RATE 8.8500 PAI $463.19 CLTV 80.000 MATURITY 70915 FEE 0.5000 LOAN 0000021880372 LAST_NAME DINGER ADDRESS 3014 BARNHILL RD BOX 4 CITY MIDVALE STATE OH ZIP 446530000 MORT $76,000.00 BAL $75,931.02 RATE 9.9000 PAI $661.35 CLTV 80.000 MATURITY 120820 FEE 0.5000 LOAN 0000021880380 LAST_NAME TINNIN ADDRESS 7519 MAN-O-WAR AVENUE CITY BAKERSFIELD STATE CA ZIP 933070000 MORT $10,000.00 BAL $10,000.00 RATE 9.6500 PAI $105.33 CLTV 66.096 MATURITY 121101 FEE 0.5000 LOAN 0000021880398 LAST_NAME REYNOLD ADDRESS 2691 CENTENNIAL RD CITY HANOVER STATE PA ZIP 173310000 MORT $25,000.00 BAL $24,824.05 RATE 10.4000 PAI $274.81 CLTV 73.170 MATURITY 120814 FEE 0.5000 LOAN 0000021880448 LAST_NAME HIPKINS ADDRESS 70 PARK VALLEY LN CITY BROOKHAVEN STATE PA ZIP 190150000 MORT $46,000.00 BAL $45,849.94 RATE 8.3500 PAI $394.85 CLTV 70.769 MATURITY 170917 FEE 0.5000 LOAN 0000021880455 LAST_NAME GIBSON ADDRESS 20037 WANEGARDEN COURT CITY GERMANTOWN STATE MD ZIP 208740000 MORT $140,000.00 BAL $139,226.76 RATE 8.5500 PAI $1,382.75 CLTV 80.000 MATURITY 120924 FEE 0.5000 LOAN 0000021880588 LAST_NAME FOSTER ADDRESS 3302 LAKE DRIVE CITY TOWNSHIP OF STATE MI ZIP 490360000 MORT $84,000.00 BAL $83,904.97 RATE 8.8500 PAI $666.84 CLTV 72.413 MATURITY 270923 FEE 0.5000 LOAN 0000021880596 LAST_NAME WILLIAMS ADDRESS 4132 STARRATT ROAD CITY JACKSONVILL STATE FL ZIP 322260000 MORT $46,400.00 BAL $46,336.06 RATE 9.6500 PAI $437.07 CLTV 80.000 MATURITY 171007 FEE 0.5000 LOAN 0000021880638 LAST_NAME CONNERY ADDRESS 95 WITHERIDGE STREET CITY FEEDING HIL STATE MA ZIP 010300000 MORT $66,800.00 BAL $66,759.53 RATE 8.5000 PAI $513.64 CLTV 53.870 MATURITY 270926 FEE 0.5000 LOAN 0000021880661 LAST_NAME HICKEY, JR. ADDRESS 304 MAIN STREET CITY YOUNGSTOWN STATE NY ZIP 141740000 MORT $48,000.00 BAL $48,000.00 RATE 8.3500 PAI $412.01 CLTV 65.753 MATURITY 171117 FEE 0.5000 LOAN 0000021880802 LAST_NAME RODRIGUEZ ADDRESS 731 ORIOLE AVENUE CITY MIAMI SPRIN STATE FL ZIP 331660000 MORT $60,000.00 BAL $59,917.86 RATE 9.7000 PAI $567.14 CLTV 65.084 MATURITY 171022 FEE 0.5000 LOAN 0000021880919 LAST_NAME HORN ADDRESS 119 HAZELWOOD STREET EAST CITY VILLAGE OF STATE IL ZIP 615500000 MORT $92,000.00 BAL $91,849.53 RATE 8.3000 PAI $786.80 CLTV 79.310 MATURITY 171006 FEE 0.5000 LOAN 0000021880927 LAST_NAME SEABERT ADDRESS 1219 TREASURE AVENUE CITY MANAHAWKIN STATE NJ ZIP 080500000 MORT $46,900.00 BAL $46,573.00 RATE 10.5000 PAI $518.43 CLTV 65.138 MATURITY 120825 FEE 0.5000 LOAN 0000021880943 LAST_NAME JONES ADDRESS 20 MCBRIDE DRIVE CITY JEFFERSONVI STATE IN ZIP 471300000 MORT $13,000.00 BAL $13,000.00 RATE 10.6000 PAI $280.07 CLTV 74.827 MATURITY 21104 FEE 0.5000 LOAN 0000021880968 LAST_NAME ROSS ADDRESS 2234 NE POYNTER STREET CITY CITY OF HIL STATE OR ZIP 971240000 MORT $25,000.00 BAL $25,000.00 RATE 10.4500 PAI $336.64 CLTV 64.994 MATURITY 71104 FEE 0.5000 LOAN 0000021880976 LAST_NAME MILES ADDRESS 34 BANCROFT STREET CITY WESTFIELD STATE MA ZIP 010850000 MORT $96,000.00 BAL $95,694.90 RATE 8.6000 PAI $839.20 CLTV 75.590 MATURITY 170922 FEE 0.5000 LOAN 0000021881016 LAST_NAME ZURCHER ADDRESS 1487 N. 1900 AVENUE CITY COAL VALLEY STATE IL ZIP 612400000 MORT $45,000.00 BAL $44,525.25 RATE 8.7000 PAI $562.77 CLTV 69.230 MATURITY 70925 FEE 0.5000 LOAN 0000021881347 LAST_NAME HOULIHAN ADDRESS 10 PICKERING TERRACE CITY LYNN STATE MA ZIP 019040000 MORT $22,000.00 BAL $21,972.13 RATE 10.3000 PAI $216.70 CLTV 83.334 MATURITY 171104 FEE 0.5000 LOAN 0000021881479 LAST_NAME DUNBAR ADDRESS 1770 CONOORD PLACE CITY CUYOTTGOA F STATE OH ZIP 442210000 MORT $132,500.00 BAL $132,500.00 RATE 9.9000 PAI $1,153.01 CLTV 89.830 MATURITY 121101 FEE 0.5000 LOAN 0000021881537 LAST_NAME PRICE ADDRESS 820 SOUTH A STREET CITY MONMOUTH STATE IL ZIP 614620000 MORT $15,750.00 BAL $15,687.16 RATE 10.4500 PAI $156.72 CLTV 75.000 MATURITY 171007 FEE 0.5000 LOAN 0000021881636 LAST_NAME LAUTIERI ADDRESS 65 ASHTON STREET CITY PROVIDENCE STATE RI ZIP 029040000 MORT $115,200.00 BAL $115,147.38 RATE 9.8500 PAI $998.22 CLTV 90.000 MATURITY 121006 FEE 0.5000 LOAN 0000021881693 LAST_NAME COOK ADDRESS 1401 S 16TH ST CITY MATTOON STATE IL ZIP 619380000 MORT $37,000.00 BAL $36,767.98 RATE 8.7000 PAI $462.72 CLTV 77.083 MATURITY 71006 FEE 0.5000 LOAN 0000021881768 LAST_NAME DUBS ADDRESS 518 HOMESTEAD AVENUE CITY ALLIANCE STATE NE ZIP 693010000 MORT $47,700.00 BAL $47,464.60 RATE 9.8000 PAI $506.77 CLTV 90.000 MATURITY 120922 FEE 0.5000 LOAN 0000021881776 LAST_NAME PACHECO ADDRESS 1191 S RALEIGH STREET CITY DENVER STATE CO ZIP 802190000 MORT $76,500.00 BAL $76,424.09 RATE 9.9500 PAI $668.52 CLTV 81.382 MATURITY 271007 FEE 0.5000 LOAN 0000021881800 LAST_NAME GIVENS ADDRESS 221 STILLWELL AVENUE CITY PALATKA STATE FL ZIP 321770000 MORT $35,000.00 BAL $34,946.92 RATE 8.9000 PAI $312.66 CLTV 72.916 MATURITY 171010 FEE 0.5000 LOAN 0000021881875 LAST_NAME DILLARD ADDRESS 5503 THE ALMEDA CITY BALTIMORE STATE MD ZIP 212390000 MORT $15,600.00 BAL $15,532.46 RATE 9.3500 PAI $143.89 CLTV 81.166 MATURITY 170819 FEE 0.5000 LOAN 0000021881917 LAST_NAME THOMPSON ADDRESS 20559 SW CASTLE DRIVE CITY ALOHA STATE OR ZIP 970070000 MORT $52,000.00 BAL $52,000.00 RATE 9.7000 PAI $549.29 CLTV 78.453 MATURITY 121022 FEE 0.5000 LOAN 0000021881925 LAST_NAME PAPPAS ADDRESS 6114 ROSE RD CITY DULUTH STATE MN ZIP 558100000 MORT $70,400.00 BAL $70,336.80 RATE 9.1500 PAI $574.07 CLTV 80.000 MATURITY 270930 FEE 0.5000 LOAN 0000021881974 LAST_NAME ODOM ADDRESS 27914 N DEXTER DRIVE CITY CITY OF SAN STATE CA ZIP 913500000 MORT $50,000.00 BAL $49,899.75 RATE 9.6000 PAI $469.34 CLTV 52.187 MATURITY 171022 FEE 0.5000 LOAN 0000021881990 LAST_NAME EGUPOV ADDRESS 13626 JOHN KLINE ROAD CITY SMITHBURG STATE MD ZIP 217830000 MORT $149,000.00 BAL $146,666.23 RATE 8.9500 PAI $1,883.44 CLTV 89.221 MATURITY 70815 FEE 0.5000 LOAN 0000021882006 LAST_NAME HARRIS ADDRESS 533 QUINCY ST. NW CITY WASHINGTON STATE DC ZIP 200110000 MORT $60,000.00 BAL $59,937.60 RATE 10.8500 PAI $564.60 CLTV 49.586 MATURITY 270918 FEE 0.5000 LOAN 0000021882063 LAST_NAME WALLACE ADDRESS 116 CLAREWOOD DRIVE CITY BALDWINSVIL STATE NY ZIP 130270000 MORT $47,800.00 BAL $47,417.83 RATE 8.9900 PAI $484.54 CLTV 79.666 MATURITY 120825 FEE 0.5000 LOAN 0000021882105 LAST_NAME JONES ADDRESS 3070 NW 69TH TERRACE CITY MIAMI STATE FL ZIP 331470000 MORT $64,800.00 BAL $64,761.03 RATE 11.8000 PAI $656.59 CLTV 90.000 MATURITY 271001 FEE 0.5000 LOAN 0000021882121 LAST_NAME WAGNER ADDRESS 234 W CYPRESS LANE CITY WESTBURY STATE NY ZIP 115900000 MORT $58,500.00 BAL $56,948.19 RATE 9.9900 PAI $628.29 CLTV 72.577 MATURITY 120819 FEE 0.5000 LOAN 0000021882139 LAST_NAME METZGER ADDRESS 3 DORMAN ROAD CITY OXFORD STATE CT ZIP 064780000 MORT $37,000.00 BAL $36,922.26 RATE 11.7500 PAI $400.97 CLTV 47.681 MATURITY 170923 FEE 0.5000 LOAN 0000021882154 LAST_NAME STEINBERG ADDRESS 146 STONE OAKS DRIVE #123 CITY HARTSDALE STATE NY ZIP 105200000 MORT $175,000.00 BAL $174,789.55 RATE 10.5000 PAI $1,600.79 CLTV 58.724 MATURITY 120801 FEE 0.5000 LOAN 0000021882170 LAST_NAME JAMES ADDRESS 29 LESTER STREET CITY ROCHESTER STATE NY ZIP 146230000 MORT $57,600.00 BAL $57,150.12 RATE 9.2500 PAI $592.81 CLTV 80.000 MATURITY 120820 FEE 0.5000 LOAN 0000021882188 LAST_NAME MITCHELL ADDRESS 106 BUTLER STREET CITY RIDGE SPRIN STATE SC ZIP 291290000 MORT $53,000.00 BAL $52,930.20 RATE 10.0000 PAI $511.47 CLTV 89.075 MATURITY 170930 FEE 0.5000 LOAN 0000021882212 LAST_NAME STAIGER ADDRESS 7705 BAY FRONT ROAD CITY BALTIMORE STATE MD ZIP 121190000 MORT $44,000.00 BAL $43,663.97 RATE 9.5000 PAI $459.46 CLTV 77.294 MATURITY 120820 FEE 0.5000 LOAN 0000021882253 LAST_NAME COELHO ADDRESS 58 MEADOWCREST DRIVE CITY CUMBERLAND STATE RI ZIP 028600000 MORT $100,000.00 BAL $99,885.69 RATE 8.8000 PAI $790.28 CLTV 75.187 MATURITY 121001 FEE 0.5000 LOAN 0000021882279 LAST_NAME WILLIAMS ADDRESS 618 GAIRLOCH PLACE CITY BEL AIR STATE MD ZIP 210120000 MORT $10,900.00 BAL $10,136.14 RATE 10.2500 PAI $145.56 CLTV 84.111 MATURITY 70819 FEE 0.5000 LOAN 0000021882287 LAST_NAME HENDRICKS ADDRESS 20 COMMERCE STREET CITY STATTEN ISL STATE NY ZIP 103140000 MORT $180,000.00 BAL $179,687.04 RATE 8.7500 PAI $1,416.06 CLTV 80.000 MATURITY 120730 FEE 0.5000 LOAN 0000021882303 LAST_NAME STERCHELE ADDRESS 16 CHERYL STREET CITY SOUTH SPRIN STATE NY ZIP 109770000 MORT $82,700.00 BAL $82,325.27 RATE 8.9900 PAI $743.54 CLTV 50.121 MATURITY 170821 FEE 0.5000 LOAN 0000021882311 LAST_NAME DUCKETT ADDRESS 2319 N ELLAMONT STREET CITY BALTIMORE STATE MD ZIP 212160000 MORT $63,000.00 BAL $62,954.76 RATE 10.9900 PAI $599.49 CLTV 90.000 MATURITY 270815 FEE 0.5000 LOAN 0000021882386 LAST_NAME HERNANDEZ ADDRESS 606 S ELM CITY CARLSBAD STATE NM ZIP 882200000 MORT $58,500.00 BAL $58,475.98 RATE 10.3500 PAI $528.58 CLTV 90.000 MATURITY 271020 FEE 0.5000 LOAN 0000021882444 LAST_NAME BOWMAN ADDRESS 178 ARKAYS AVENUE CITY SPRING HILL STATE FL ZIP 346090000 MORT $33,000.00 BAL $32,864.07 RATE 11.7500 PAI $390.76 CLTV 84.615 MATURITY 120924 FEE 0.5000 LOAN 0000021882493 LAST_NAME SCHAEFER ADDRESS 106 S RONDA ROAD CITY MCHENRY STATE IL ZIP 600500000 MORT $50,000.00 BAL $50,000.00 RATE 9.7500 PAI $529.69 CLTV 70.041 MATURITY 121028 FEE 0.5000 LOAN 0000021882535 LAST_NAME TAYLOR ADDRESS 585 NW 182 TERRACE CITY MIAMI STATE FL ZIP 331690000 MORT $15,000.00 BAL $14,958.49 RATE 9.6500 PAI $141.30 CLTV 67.441 MATURITY 170929 FEE 0.5000 LOAN 0000021882543 LAST_NAME NUBY ADDRESS 3401 NW 5 PLACE CITY FORT LAUDER STATE FL ZIP 335110000 MORT $29,500.00 BAL $29,457.31 RATE 9.4500 PAI $274.02 CLTV 60.958 MATURITY 171022 FEE 0.5000 LOAN 0000021882568 LAST_NAME MANN ADDRESS 2030 NW 6TH AVENUE CITY POMPANO BEA STATE FL ZIP 330600000 MORT $25,000.00 BAL $24,749.00 RATE 9.6000 PAI $324.87 CLTV 73.073 MATURITY 70924 FEE 0.5000 LOAN 0000021882584 LAST_NAME JACKSON ADDRESS 385 LAKE DRIVE CITY MIDWAY STATE GA ZIP 313200000 MORT $40,800.00 BAL $40,576.98 RATE 8.0000 PAI $495.02 CLTV 57.464 MATURITY 71103 FEE 0.5000 LOAN 0000021882634 LAST_NAME MURRAY ADDRESS 121 WEST 1ST AVENUE CITY CHEYENNE STATE WY ZIP 820010000 MORT $58,000.00 BAL $57,916.40 RATE 9.6500 PAI $494.06 CLTV 48.333 MATURITY 120825 FEE 0.5000 LOAN 0000021882691 LAST_NAME MURCHISON ADDRESS 13017 RIDGEMERE COURT CITY RICHMOND STATE VA ZIP 232330000 MORT $20,000.00 BAL $19,953.48 RATE 10.4000 PAI $219.85 CLTV 80.487 MATURITY 121027 FEE 0.5000 LOAN 0000021882725 LAST_NAME GIBSON ADDRESS 712 BEECHWOOD AVENUE CITY VALLEJO STATE CA ZIP 945910000 MORT $21,860.00 BAL $21,860.00 RATE 9.5500 PAI $459.64 CLTV 79.997 MATURITY 21104 FEE 0.5000 LOAN 0000021882881 LAST_NAME HEALEY ADDRESS 21520 FRANCIS CITY ST. CLAIR S STATE MI ZIP 480820000 MORT $32,000.00 BAL $31,961.08 RATE 8.5000 PAI $246.06 CLTV 28.444 MATURITY 120901 FEE 0.5000 LOAN 0000021882899 LAST_NAME BLACK ADDRESS 1402 N APPERSON CITY KOKOMO STATE IN ZIP 469010000 MORT $52,500.00 BAL $52,107.52 RATE 9.5500 PAI $443.37 CLTV 75.000 MATURITY 120701 FEE 0.5000 LOAN 0000021882915 LAST_NAME ABUJBARA ADDRESS 4 DEERWOOD EAST CITY IRVINE STATE CA ZIP 927140000 MORT $30,000.00 BAL $30,000.00 RATE 9.6500 PAI $315.99 CLTV 76.838 MATURITY 121104 FEE 0.5000 LOAN 0000021882923 LAST_NAME PRAEGITZER ADDRESS 324 "A" STREET CITY RUPERT STATE ID ZIP 833500000 MORT $15,000.00 BAL $15,000.00 RATE 9.5500 PAI $157.09 CLTV 69.204 MATURITY 121124 FEE 0.5000 LOAN 0000021882931 LAST_NAME PRYOR ADDRESS 530 S. DUCHESNE STREET CITY ST. CHARLES STATE MO ZIP 633010000 MORT $51,500.00 BAL $51,206.58 RATE 8.2000 PAI $498.13 CLTV 63.580 MATURITY 121006 FEE 0.5000 LOAN 0000021882972 LAST_NAME CARROLL ADDRESS 321 CHERYL STREET CITY NORTH LITTL STATE AR ZIP 721140000 MORT $34,200.00 BAL $33,850.14 RATE 9.2500 PAI $437.88 CLTV 90.000 MATURITY 70923 FEE 0.5000 LOAN 0000021883004 LAST_NAME DOHERTY ADDRESS 5 SYLVAN TERRACE CITY BRIDGEWATER STATE MA ZIP 023240000 MORT $50,000.00 BAL $49,752.39 RATE 9.7500 PAI $653.86 CLTV 72.845 MATURITY 71016 FEE 0.5000 LOAN 0000021883012 LAST_NAME SCHLITT ADDRESS 2155 LINDSAY ROAD CITY SPRINGFIELD STATE IL ZIP 627040000 MORT $98,420.00 BAL $98,349.95 RATE 8.9000 PAI $784.84 CLTV 69.801 MATURITY 120926 FEE 0.5000 LOAN 0000021883079 LAST_NAME IM ADDRESS 1074 KATRINA FALLS ROAD CITY THOMPSON STATE NY ZIP 127750000 MORT $43,500.00 BAL $43,474.44 RATE 8.6500 PAI $339.12 CLTV 52.095 MATURITY 121001 FEE 0.5000 LOAN 0000021883087 LAST_NAME SCOTT ADDRESS 202 HILLCREST AVENUE CITY LEBANON JUN STATE KY ZIP 401500000 MORT $16,000.00 BAL $16,000.00 RATE 9.7500 PAI $151.77 CLTV 77.247 MATURITY 171112 FEE 0.5000 LOAN 0000021883111 LAST_NAME CUGINI ADDRESS 4 WINCHESTER DRIVE CITY FREEHOLD STATE NJ ZIP 077280000 MORT $43,300.00 BAL $43,086.33 RATE 9.8000 PAI $460.02 CLTV 84.985 MATURITY 120915 FEE 0.5000 LOAN 0000021883137 LAST_NAME STUBBLEFIELD ADDRESS 122 CHRISTIANS BEND RD CITY CHURCH HILL STATE TN ZIP 376420000 MORT $72,000.00 BAL $71,903.44 RATE 9.9900 PAI $631.32 CLTV 80.000 MATURITY 120728 FEE 0.5000 LOAN 0000021883160 LAST_NAME MCCAY ADDRESS 20 CHAMPLAIN ROAD CITY MARLTON STATE NJ ZIP 080530000 MORT $134,400.00 BAL $134,191.28 RATE 8.9900 PAI $1,080.45 CLTV 80.000 MATURITY 270915 FEE 0.5000 LOAN 0000021883202 LAST_NAME STOUGH ADDRESS 7831 S. LANGLEY AVE CITY CHICAGO STATE IL ZIP 606190000 MORT $76,500.00 BAL $76,465.43 RATE 9.9000 PAI $665.70 CLTV 90.000 MATURITY 121003 FEE 0.5000 LOAN 0000021883228 LAST_NAME LONG ADDRESS 595 WOODGLEN ROAD CITY CATABAW STATE SC ZIP 297040000 MORT $67,405.00 BAL $67,370.78 RATE 9.3500 PAI $559.42 CLTV 85.000 MATURITY 270930 FEE 0.5000 LOAN 0000021883277 LAST_NAME SMITH ADDRESS 1019 ORCHARD CITY MAYWOOD STATE IL ZIP 601530000 MORT $69,000.00 BAL $68,973.16 RATE 10.6000 PAI $636.34 CLTV 83.132 MATURITY 271008 FEE 0.5000 LOAN 0000021883319 LAST_NAME BOYLE ADDRESS 86 PURCELL STREET CITY STATEN ISLA STATE NY ZIP 103100000 MORT $112,400.00 BAL $111,619.85 RATE 10.5500 PAI $1,245.96 CLTV 66.117 MATURITY 120828 FEE 0.5000 LOAN 0000021883343 LAST_NAME PURDY ADDRESS 2700 GOLF CLUB DRIVE #28 CITY PALM SPRING STATE CA ZIP 422640000 MORT $25,400.00 BAL $25,323.23 RATE 12.1000 PAI $281.45 CLTV 76.164 MATURITY 170828 FEE 0.5000 LOAN 0000021883400 LAST_NAME BENZIE ADDRESS 1623 RONALD DR. CITY SUFFOLK STATE VA ZIP 234340000 MORT $86,400.00 BAL $86,347.66 RATE 8.5000 PAI $664.34 CLTV 80.000 MATURITY 120930 FEE 0.5000 LOAN 0000021883483 LAST_NAME CARROLL ADDRESS 33 WEBER AVENUE CITY WARWICK STATE RI ZIP 028860000 MORT $61,500.00 BAL $61,429.70 RATE 8.8000 PAI $486.02 CLTV 75.000 MATURITY 120903 FEE 0.5000 LOAN 0000021883582 LAST_NAME KAVANAUGH ADDRESS 1117 PALMETTO AVENUE CITY BRUNSWICK STATE GA ZIP 315200000 MORT $84,150.00 BAL $84,150.00 RATE 8.7000 PAI $740.97 CLTV 75.810 MATURITY 171110 FEE 0.5000 LOAN 0000021883632 LAST_NAME HILL ADDRESS 8725 CEDAR WOODS DRIVE CITY BELLE FONTA STATE AL ZIP 365820000 MORT $52,200.00 BAL $52,184.22 RATE 11.7500 PAI $526.91 CLTV 90.000 MATURITY 270927 FEE 0.5000 LOAN 0000021883798 LAST_NAME PREMO ADDRESS 1661 OXNARD DRIVE CITY DOWNERS GRO STATE IL ZIP 605160000 MORT $30,000.00 BAL $29,924.57 RATE 9.5500 PAI $314.18 CLTV 45.781 MATURITY 121103 FEE 0.5000 LOAN 0000021883939 LAST_NAME BAKER ADDRESS 17 BROWN AVENUE CITY HEMPSTEAD STATE NY ZIP 115500000 MORT $80,000.00 BAL $80,000.00 RATE 9.0000 PAI $719.79 CLTV 60.606 MATURITY 171117 FEE 0.5000 LOAN 0000021883996 LAST_NAME SPENCER ADDRESS 66 DRUMMOND STREET CITY CINCINNATI STATE OH ZIP 452180000 MORT $82,800.00 BAL $82,759.27 RATE 9.5000 PAI $696.23 CLTV 90.000 MATURITY 271020 FEE 0.5000 LOAN 0000021884010 LAST_NAME CAPERELL ADDRESS 4830 M LAKE ROAD CITY KEYSTONE HE STATE FL ZIP 326560000 MORT $111,900.00 BAL $111,589.32 RATE 9.5500 PAI $1,046.72 CLTV 79.928 MATURITY 170924 FEE 0.5000 LOAN 0000021884085 LAST_NAME FRAZESE ADDRESS 524 LYNNFIELD STREET CITY LYNN STATE MA ZIP 019040000 MORT $20,000.00 BAL $19,936.74 RATE 14.5000 PAI $273.11 CLTV 87.728 MATURITY 120901 FEE 0.5000 LOAN 0000021884143 LAST_NAME BERGIN ADDRESS 618 WINDY RIDGE CITY WASHINGTON STATE MO ZIP 630900000 MORT $40,000.00 BAL $40,000.00 RATE 9.7500 PAI $423.75 CLTV 70.565 MATURITY 121113 FEE 0.5000 LOAN 0000021884226 LAST_NAME KAPLAN ADDRESS 39 PORTER ROAD CITY FALLSBURG STATE NY ZIP 127630000 MORT $72,250.00 BAL $72,057.33 RATE 8.9000 PAI $728.52 CLTV 85.000 MATURITY 121028 FEE 0.5000 LOAN 0000021884259 LAST_NAME EVERETT ADDRESS 1423 LOCUST STREET CITY BALTIMORE STATE MD ZIP 212260000 MORT $56,800.00 BAL $56,649.21 RATE 8.9500 PAI $574.42 CLTV 80.000 MATURITY 121003 FEE 0.5000 LOAN 0000021884267 LAST_NAME CAMPAGNA ADDRESS 10 DOWNING STREET CITY EAST WILLIS STATE NY ZIP 115960000 MORT $56,300.00 BAL $56,161.01 RATE 9.7500 PAI $596.43 CLTV 52.907 MATURITY 121103 FEE 0.5000 LOAN 0000021884317 LAST_NAME BROOKS ADDRESS 886 D HIGHWAY 17 RT 1 CITY HERTFORD STATE NC ZIP 279440000 MORT $60,000.00 BAL $60,000.00 RATE 9.7000 PAI $633.80 CLTV 74.332 MATURITY 121112 FEE 0.5000 LOAN 0000021884341 LAST_NAME RAHN ADDRESS R.R. 1 BOX 144 A CITY SIGEL STATE IL ZIP 624620000 MORT $51,500.00 BAL $51,221.06 RATE 8.8000 PAI $516.24 CLTV 74.637 MATURITY 121006 FEE 0.5000 LOAN 0000021884374 LAST_NAME WATERBURY ADDRESS 80 SILVER SPRING LANE CITY RIDGEFIELD STATE CT ZIP 068770000 MORT $140,000.00 BAL $139,839.99 RATE 8.8000 PAI $1,106.38 CLTV 27.184 MATURITY 120909 FEE 0.5000 LOAN 0000021884382 LAST_NAME WHITLEY ADDRESS 7050 W. RENAISSANCE COURT CITY NEW ORLEANS STATE LA ZIP 701280000 MORT $105,200.00 BAL $105,032.58 RATE 8.6000 PAI $919.62 CLTV 80.000 MATURITY 171014 FEE 0.5000 LOAN 0000021884390 LAST_NAME MARSHALL ADDRESS 9828 BARKLEY CITY VAN BUREN, STATE MI ZIP 481110000 MORT $25,000.00 BAL $25,000.00 RATE 9.7500 PAI $264.85 CLTV 77.516 MATURITY 121107 FEE 0.5000 LOAN 0000021884408 LAST_NAME STAUCH ADDRESS 78 MAPLE STREET CITY LYONS STATE NY ZIP 144890000 MORT $34,000.00 BAL $33,944.92 RATE 9.3500 PAI $313.61 CLTV 85.000 MATURITY 170926 FEE 0.5000 LOAN 0000021884424 LAST_NAME JONES ADDRESS 218 1ST STREET CITY SWISHER STATE IA ZIP 523380000 MORT $87,000.00 BAL $86,716.22 RATE 8.3500 PAI $746.77 CLTV 61.702 MATURITY 170926 FEE 0.5000 LOAN 0000021884465 LAST_NAME HERALD ADDRESS 2718 OHIO STREET CITY MICHIGAN CI STATE IN ZIP 463600000 MORT $48,000.00 BAL $47,840.48 RATE 8.2000 PAI $407.49 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021884515 LAST_NAME BUEL ADDRESS 8050 JOHNSON COURT CITY ARVADA STATE CO ZIP 800050000 MORT $30,000.00 BAL $29,925.94 RATE 9.7500 PAI $317.81 CLTV 70.228 MATURITY 121027 FEE 0.5000 LOAN 0000021884598 LAST_NAME HODGENS ADDRESS 9516 HIGHWAY 11 CITY CHELSEA STATE AL ZIP 351150000 MORT $95,900.00 BAL $95,844.25 RATE 8.7000 PAI $751.03 CLTV 70.000 MATURITY 121001 FEE 0.5000 LOAN 0000021884606 LAST_NAME WISE ADDRESS ROUTE 2 BOX 42 CITY BLACKVILLE STATE SC ZIP 298170000 MORT $31,700.00 BAL $31,700.00 RATE 8.5000 PAI $393.04 CLTV 54.655 MATURITY 71117 FEE 0.5000 LOAN 0000021884614 LAST_NAME MCGINNIS ADDRESS 3831 LOVETT CIRCLE CITY CHARLOTTE STATE NC ZIP 282100000 MORT $25,600.00 BAL $25,600.00 RATE 9.8500 PAI $336.19 CLTV 64.714 MATURITY 71103 FEE 0.5000 LOAN 0000021884713 LAST_NAME OVERTON ADDRESS 3201 DRAWBRIDGE COURT CITY CHESAPEAKE STATE VA ZIP 233230000 MORT $55,000.00 BAL $54,826.74 RATE 10.0000 PAI $530.76 CLTV 79.058 MATURITY 171015 FEE 0.5000 LOAN 0000021884804 LAST_NAME LIMBER ADDRESS 5078 ALBANY ROAD CITY TOWNSHIP OF STATE OH ZIP 432270000 MORT $70,000.00 BAL $69,771.90 RATE 9.0000 PAI $563.24 CLTV 79.545 MATURITY 271017 FEE 0.5000 LOAN 0000021884861 LAST_NAME ABRAHAM ADDRESS 106 PEACHTREE GARDEN COUR CITY SPARTANBURG STATE SC ZIP 293030000 MORT $15,000.00 BAL $15,000.00 RATE 9.7500 PAI $158.91 CLTV 71.674 MATURITY 121029 FEE 0.5000 LOAN 0000021884937 LAST_NAME WHITBECK ADDRESS 4195 SE 142ND LANE CITY SUMMERFIELD STATE FL ZIP 344910000 MORT $52,000.00 BAL $51,974.14 RATE 12.6500 PAI $561.03 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021885025 LAST_NAME MORALES ADDRESS 11780 SW 18TH ST UNIT #12 CITY MIAMI STATE FL ZIP 331750000 MORT $29,500.00 BAL $29,204.14 RATE 9.6000 PAI $383.34 CLTV 44.029 MATURITY 71001 FEE 0.5000 LOAN 0000021885058 LAST_NAME MITCHELL ADDRESS 1284 FARLOW ROAD CITY RICHMOND STATE IN ZIP 473740000 MORT $18,000.00 BAL $17,955.15 RATE 9.6500 PAI $189.60 CLTV 77.377 MATURITY 121008 FEE 0.5000 LOAN 0000021885090 LAST_NAME LISKO ADDRESS 13705 WEST STREET CITY OMAHA STATE NE ZIP 681370000 MORT $76,000.00 BAL $76,000.00 RATE 8.2000 PAI $568.30 CLTV 80.000 MATURITY 121022 FEE 0.5000 LOAN 0000021885124 LAST_NAME KUEHL ADDRESS 7921 MEREDETH COURT CITY LINCOLN STATE NE ZIP 685060000 MORT $123,200.00 BAL $123,013.11 RATE 9.0500 PAI $1,112.43 CLTV 80.000 MATURITY 171029 FEE 0.5000 LOAN 0000021885215 LAST_NAME MASHBURN ADDRESS 1443 SOUTH CLAXTON ROAD CITY YULEE STATE FL ZIP 320970000 MORT $62,550.00 BAL $62,550.00 RATE 10.4500 PAI $689.49 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021885231 LAST_NAME MCDOW-ABRAMS ADDRESS 1191 CEDAR BRIDGE AVENUE CITY BRICK STATE NJ ZIP 087230000 MORT $114,600.00 BAL $114,440.48 RATE 8.8500 PAI $909.76 CLTV 76.400 MATURITY 270910 FEE 0.5000 LOAN 0000021885280 LAST_NAME WELLS ADDRESS 2230 LODELL AVENUE CITY TOWNSHIP OF STATE OH ZIP 454140000 MORT $54,400.00 BAL $54,255.58 RATE 8.9500 PAI $550.15 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021885322 LAST_NAME GREELEY ADDRESS 86 COLCHESTER DRIVE CITY PLYMOUTH STATE MA ZIP 023600000 MORT $100,000.00 BAL $99,452.60 RATE 8.6500 PAI $993.55 CLTV 78.125 MATURITY 120917 FEE 0.5000 LOAN 0000021885330 LAST_NAME MURRELL ADDRESS 7810 ANNY DRIVE CITY FORESTVILLE STATE MD ZIP 207470000 MORT $125,375.00 BAL $125,375.00 RATE 10.5000 PAI $1,146.86 CLTV 85.000 MATURITY 271106 FEE 0.5000 LOAN 0000021885348 LAST_NAME KOZFKAY ADDRESS 806 S. SAGINAW STREET CITY LAPEER STATE MI ZIP 484460000 MORT $76,800.00 BAL $76,681.17 RATE 8.8000 PAI $681.15 CLTV 80.000 MATURITY 171007 FEE 0.5000 LOAN 0000021885389 LAST_NAME TURNER ADDRESS 105 BAYBERRY LANE CITY WILLINGBORO STATE NJ ZIP 080460000 MORT $88,000.00 BAL $87,338.30 RATE 8.9000 PAI $786.11 CLTV 80.000 MATURITY 170929 FEE 0.5000 LOAN 0000021885413 LAST_NAME GARCIA ADDRESS 2505 GRIFFITHS CITY SPRINGFIELD STATE IL ZIP 627020000 MORT $57,600.00 BAL $57,246.91 RATE 8.8000 PAI $577.39 CLTV 80.000 MATURITY 120930 FEE 0.5000 LOAN 0000021885462 LAST_NAME PAYNE ADDRESS 53 BEECHWOOD ROAD CITY ASHEVILLE STATE NC ZIP 288050000 MORT $113,600.00 BAL $113,426.64 RATE 8.8500 PAI $1,011.16 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021885488 LAST_NAME HATCHER ADDRESS 35664 ROLF CITY WESTLAND STATE MI ZIP 481860000 MORT $73,100.00 BAL $72,991.26 RATE 9.5000 PAI $614.67 CLTV 85.000 MATURITY 120901 FEE 0.5000 LOAN 0000021885561 LAST_NAME SAVARISE ADDRESS 6536 AMELIA AVENUE CITY ASHTABULA STATE OH ZIP 440040000 MORT $78,800.00 BAL $78,590.55 RATE 8.9500 PAI $796.90 CLTV 82.083 MATURITY 120929 FEE 0.5000 LOAN 0000021885579 LAST_NAME DODSON ADDRESS 39 WESLEY DRIVE CITY CHICKAMAUGA STATE GA ZIP 307070000 MORT $36,400.00 BAL $36,134.10 RATE 9.9900 PAI $390.93 CLTV 70.000 MATURITY 120821 FEE 0.5000 LOAN 0000021885587 LAST_NAME WOODMAN ADDRESS 2 BARK HOLLOW LANE CITY HORSHAM STATE PA ZIP 190440000 MORT $14,600.00 BAL $14,532.33 RATE 10.9000 PAI $200.29 CLTV 85.000 MATURITY 70922 FEE 0.5000 LOAN 0000021885637 LAST_NAME GHAZALEH ADDRESS 401 N LUCIA AVENUE CITY REDONDO BEA STATE CA ZIP 902770000 MORT $37,000.00 BAL $36,864.42 RATE 9.2500 PAI $304.39 CLTV 14.509 MATURITY 120801 FEE 0.5000 LOAN 0000021885694 LAST_NAME GREEN ADDRESS 9710 SE 75TH AVENUE CITY MILWAUKIE STATE OR ZIP 972220000 MORT $110,000.00 BAL $109,449.12 RATE 10.1000 PAI $973.47 CLTV 84.615 MATURITY 120901 FEE 0.5000 LOAN 0000021885736 LAST_NAME GURIN ADDRESS 249 CALLE NAVARRO CITY CAMARILLO STATE CA ZIP 930100000 MORT $20,000.00 BAL $19,950.17 RATE 9.6500 PAI $210.66 CLTV 74.578 MATURITY 121024 FEE 0.5000 LOAN 0000021885777 LAST_NAME IGOE ADDRESS 11818 PENNSYLVANIA CITY KANSAS CITY STATE MO ZIP 641140000 MORT $80,000.00 BAL $80,000.00 RATE 9.5500 PAI $837.80 CLTV 78.781 MATURITY 121110 FEE 0.5000 LOAN 0000021885827 LAST_NAME CONNER ADDRESS 731 72ND AVENUE N. CITY ST. PETERSB STATE FL ZIP 337020000 MORT $31,000.00 BAL $30,859.79 RATE 10.7500 PAI $347.50 CLTV 51.666 MATURITY 120930 FEE 0.5000 LOAN 0000021885934 LAST_NAME KEMP ADDRESS 2923 TIMBERLINE CITY DUBUQUE STATE IA ZIP 520010000 MORT $72,400.00 BAL $72,362.46 RATE 9.2500 PAI $595.62 CLTV 73.131 MATURITY 270929 FEE 0.5000 LOAN 0000021885959 LAST_NAME MCMILLIAN ADDRESS 2055 ZULA LANE CITY MOBILE STATE AL ZIP 366050000 MORT $37,710.00 BAL $37,700.50 RATE 10.1500 PAI $335.12 CLTV 90.000 MATURITY 271104 FEE 0.5000 LOAN 0000021885967 LAST_NAME DREW ADDRESS 6411 TAMALPAIS AVENUE CITY SAN JOSE STATE CA ZIP 951200000 MORT $25,000.00 BAL $25,000.00 RATE 9.6500 PAI $325.56 CLTV 62.440 MATURITY 71101 FEE 0.5000 LOAN 0000021886007 LAST_NAME MCDERMOTT ADDRESS 473 SALINAS-MONTEREY HWY CITY SALINAS STATE CA ZIP 939010000 MORT $174,800.00 BAL $174,587.47 RATE 8.5000 PAI $1,344.06 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021886064 LAST_NAME GUERRERO ADDRESS 1322 PELLIER COURT CITY SAN JOSE STATE CA ZIP 951210000 MORT $170,000.00 BAL $169,477.74 RATE 8.5000 PAI $1,307.15 CLTV 79.069 MATURITY 120701 FEE 0.5000 LOAN 0000021886080 LAST_NAME SANDERS ADDRESS 508 W. HAL MCRAE BOULEVAR CITY AVON PARK STATE FL ZIP 338250000 MORT $28,000.00 BAL $27,962.40 RATE 9.8500 PAI $267.43 CLTV 80.000 MATURITY 171017 FEE 0.5000 LOAN 0000021886098 LAST_NAME GONZALES ADDRESS 16262 CHATHAM CITY CLINTON TOW STATE MI ZIP 480350000 MORT $129,000.00 BAL $128,192.43 RATE 7.1250 PAI $1,168.53 CLTV 72.067 MATURITY 120901 FEE 0.5000 LOAN 0000021886114 LAST_NAME WATSON ADDRESS 1132 PINECROFT CITY COLFAX STATE CA ZIP 957130000 MORT $160,000.00 BAL $159,675.79 RATE 8.0000 PAI $1,174.02 CLTV 64.000 MATURITY 120801 FEE 0.5000 LOAN 0000021886197 LAST_NAME GARCIA ADDRESS 827 PORTER AVENUE CITY JOLIET STATE IL ZIP 604320000 MORT $50,000.00 BAL $49,868.45 RATE 9.0500 PAI $508.63 CLTV 71.428 MATURITY 121017 FEE 0.5000 LOAN 0000021886213 LAST_NAME MARTINEZ ADDRESS RT #1 CITY ESPANOLA STATE NM ZIP 875320000 MORT $48,270.00 BAL $48,149.74 RATE 9.6500 PAI $508.43 CLTV 79.999 MATURITY 121007 FEE 0.5000 LOAN 0000021886247 LAST_NAME GONZALEZ ADDRESS 2055 DELANEY CITY BURTON STATE MI ZIP 485090000 MORT $63,200.00 BAL $63,102.94 RATE 8.8000 PAI $560.53 CLTV 80.000 MATURITY 171021 FEE 0.5000 LOAN 0000021886262 LAST_NAME GORMAN ADDRESS 2316 GLENMOOR ROAD NORTH CITY CLEARWATER STATE FL ZIP 337640000 MORT $103,000.00 BAL $102,839.81 RATE 8.7000 PAI $906.94 CLTV 75.735 MATURITY 170930 FEE 0.5000 LOAN 0000021886387 LAST_NAME PATRICK ADDRESS 35412 CHANCEY ROAD CITY ZEPHYRILLIS STATE FL ZIP 335410000 MORT $42,700.00 BAL $42,465.20 RATE 8.6000 PAI $423.00 CLTV 79.074 MATURITY 120929 FEE 0.5000 LOAN 0000021886395 LAST_NAME BEY ADDRESS 637 COLUMBIA AVENUE CITY DARBY BOROU STATE PA ZIP 190230000 MORT $50,400.00 BAL $50,331.44 RATE 9.7500 PAI $478.06 CLTV 90.000 MATURITY 171022 FEE 0.5000 LOAN 0000021886411 LAST_NAME MITCHELL ADDRESS 210 DALMENY DRIVE CITY CARY STATE NC ZIP 275130000 MORT $140,000.00 BAL $139,807.10 RATE 9.6500 PAI $1,318.73 CLTV 84.337 MATURITY 171001 FEE 0.5000 LOAN 0000021886460 LAST_NAME GARDNER ADDRESS 4837 MEADOW BROOK ROAD CITY BENSON STATE NC ZIP 275040000 MORT $47,700.00 BAL $47,700.00 RATE 11.5000 PAI $670.64 CLTV 78.973 MATURITY 71101 FEE 0.5000 LOAN 0000021886486 LAST_NAME QUEBECK ADDRESS 82 PINE ROAD CITY EAST OTIS STATE MA ZIP 010290000 MORT $104,800.00 BAL $104,800.00 RATE 9.0000 PAI $843.24 CLTV 79.393 MATURITY 121014 FEE 0.5000 LOAN 0000021886767 LAST_NAME BAUTCH ADDRESS 5092 STORMWATCH AVENUE CITY WALDPORT STATE OR ZIP 973940000 MORT $20,000.00 BAL $20,000.00 RATE 10.1000 PAI $194.34 CLTV 64.010 MATURITY 171118 FEE 0.5000 LOAN 0000021886783 LAST_NAME SIMMONS ADDRESS 124 WOODFIELD DRIVE CITY ROCKINGHAM STATE NC ZIP 283790000 MORT $62,960.00 BAL $62,499.79 RATE 8.6000 PAI $783.99 CLTV 80.000 MATURITY 71007 FEE 0.5000 LOAN 0000021886791 LAST_NAME JARDINE ADDRESS 3855 SOUTH 3760 WEST CITY WEST VALLEY STATE UT ZIP 841200000 MORT $22,400.00 BAL $22,240.13 RATE 9.6500 PAI $335.77 CLTV 63.868 MATURITY 50930 FEE 0.5000 LOAN 0000021886825 LAST_NAME WARDEN ADDRESS RR#2 CITY VIRGINIA STATE IL ZIP 626910000 MORT $54,400.00 BAL $54,304.47 RATE 9.5500 PAI $459.42 CLTV 85.000 MATURITY 121020 FEE 0.5000 LOAN 0000021886833 LAST_NAME WARDEN ADDRESS 412 S BLUFF CITY CHANDERVILL STATE IL ZIP 626270000 MORT $16,100.00 BAL $16,070.68 RATE 9.3000 PAI $133.04 CLTV 70.000 MATURITY 121020 FEE 0.5000 LOAN 0000021886916 LAST_NAME DIAMOND ADDRESS 627 TYRRELL AVENUE CITY DELAVAN STATE WI ZIP 531150000 MORT $44,000.00 BAL $44,000.00 RATE 10.6500 PAI $490.48 CLTV 76.687 MATURITY 121119 FEE 0.5000 LOAN 0000021887013 LAST_NAME MABRY ADDRESS 8931 WHITLEY ROAD CITY NORWOOD STATE NC ZIP 281280000 MORT $68,000.00 BAL $68,000.00 RATE 9.0000 PAI $547.15 CLTV 73.118 MATURITY 121006 FEE 0.5000 LOAN 0000021887039 LAST_NAME MERKLINGER ADDRESS 3590 MITCHELVILLE ROAD CITY LINCOLN STATE AL ZIP 350960000 MORT $32,000.00 BAL $32,000.00 RATE 8.5000 PAI $396.76 CLTV 80.000 MATURITY 71103 FEE 0.5000 LOAN 0000021887062 LAST_NAME PASSARELLI ADDRESS 300 SMITHFIELD ROAD #P1-5 CITY NORTH PROVI STATE RI ZIP 029040000 MORT $28,700.00 BAL $28,690.83 RATE 11.5000 PAI $284.21 CLTV 70.000 MATURITY 120915 FEE 0.5000 LOAN 0000021887153 LAST_NAME SHEARIN ADDRESS 3630 SHREWSBURY DRIVE CITY DURHAM STATE NC ZIP 277070000 MORT $22,000.00 BAL $22,000.00 RATE 9.3000 PAI $282.28 CLTV 64.694 MATURITY 71117 FEE 0.5000 LOAN 0000021887161 LAST_NAME TRAUTZ ADDRESS 353 PARK AVENUE CITY COLLINGSWOO STATE NJ ZIP 081080000 MORT $78,200.00 BAL $78,176.93 RATE 10.1500 PAI $762.43 CLTV 75.192 MATURITY 170916 FEE 0.5000 LOAN 0000021887260 LAST_NAME SUMNER ADDRESS ROUTE 1, BOX 88 CITY GALAX STATE VA ZIP 243330000 MORT $35,000.00 BAL $34,894.19 RATE 8.6500 PAI $347.75 CLTV 58.333 MATURITY 121014 FEE 0.5000 LOAN 0000021887278 LAST_NAME HELWIG ADDRESS 8924 SW 6TH STREET CITY BOCA RATON STATE FL ZIP 334330000 MORT $35,000.00 BAL $34,919.28 RATE 10.4900 PAI $386.68 CLTV 63.724 MATURITY 121008 FEE 0.5000 LOAN 0000021887294 LAST_NAME STURGEON ADDRESS 401 ADAMS CITY DONNELLSON STATE IL ZIP 620190000 MORT $26,000.00 BAL $26,000.00 RATE 8.8000 PAI $260.63 CLTV 54.166 MATURITY 121113 FEE 0.5000 LOAN 0000021887310 LAST_NAME BARNES ADDRESS 506 PARADISE ISLE CITY RIVERSIDE STATE AL ZIP 351350000 MORT $127,500.00 BAL $127,500.00 RATE 9.8000 PAI $1,100.11 CLTV 85.000 MATURITY 121014 FEE 0.5000 LOAN 0000021887328 LAST_NAME MCCARTIN ADDRESS 378 CARPENTER STREET CITY PROVIDENCE STATE RI ZIP 029090000 MORT $40,000.00 BAL $39,938.44 RATE 8.8000 PAI $354.77 CLTV 80.000 MATURITY 171007 FEE 0.5000 LOAN 0000021887369 LAST_NAME COTTER ADDRESS 615 DALE AVENUE CITY YUBA CITY STATE CA ZIP 959930000 MORT $84,000.00 BAL $84,000.00 RATE 9.7500 PAI $1,098.48 CLTV 75.646 MATURITY 71110 FEE 0.5000 LOAN 0000021887393 LAST_NAME WALLACE ADDRESS 229 SMALLWOOD DR CITY CHAPIN STATE SC ZIP 290360000 MORT $106,250.00 BAL $106,121.39 RATE 10.4700 PAI $969.53 CLTV 85.000 MATURITY 120801 FEE 0.5000 LOAN 0000021887401 LAST_NAME SCRUGGS ADDRESS 146 CELRIVER ROAD CITY ROCK HILL STATE SC ZIP 297300000 MORT $53,550.00 BAL $53,531.11 RATE 11.0500 PAI $512.00 CLTV 85.000 MATURITY 271001 FEE 0.5000 LOAN 0000021887435 LAST_NAME SELLERS ADDRESS 733 ALENE ROAD CITY AMBLER STATE PA ZIP 190020000 MORT $95,000.00 BAL $94,892.52 RATE 8.8500 PAI $754.17 CLTV 50.000 MATURITY 270915 FEE 0.5000 LOAN 0000021887443 LAST_NAME SUERO ADDRESS 1893 CARTER RD. CITY FOLCROFT STATE PA ZIP 190320000 MORT $11,900.00 BAL $11,707.95 RATE 10.7500 PAI $202.20 CLTV 79.495 MATURITY 40924 FEE 0.5000 LOAN 0000021887450 LAST_NAME ALEKHINA ADDRESS 5018 25TH PL CITY ARLINGTON STATE VA ZIP 222070000 MORT $130,000.00 BAL $129,710.07 RATE 10.6900 PAI $1,207.67 CLTV 74.285 MATURITY 120807 FEE 0.5000 LOAN 0000021887484 LAST_NAME DAVIS ADDRESS 2190 LEE HEIGHTS CITY LEIGHTON STATE AL ZIP 356460000 MORT $22,500.00 BAL $22,475.40 RATE 10.9400 PAI $213.25 CLTV 75.000 MATURITY 120805 FEE 0.5000 LOAN 0000021887492 LAST_NAME MOORE ADDRESS 726 MELANIE ST CITY DURHAM STATE NC ZIP 277040000 MORT $55,000.00 BAL $55,000.00 RATE 10.6000 PAI $611.38 CLTV 78.571 MATURITY 121101 FEE 0.5000 LOAN 0000021887534 LAST_NAME GREEN ADDRESS 308 LYON ST CITY CREEDMOOR STATE NC ZIP 275220000 MORT $49,500.00 BAL $49,382.21 RATE 10.1500 PAI $536.48 CLTV 81.147 MATURITY 121007 FEE 0.5000 LOAN 0000021887567 LAST_NAME GORE ADDRESS 1304 MONTEVALLO RD CITY ALABASTER STATE AL ZIP 350070000 MORT $74,900.00 BAL $74,821.62 RATE 12.4700 PAI $797.63 CLTV 70.000 MATURITY 120707 FEE 0.5000 LOAN 0000021887575 LAST_NAME JORDAN ADDRESS 959 MAJOR STREET CITY MOBILE STATE AL ZIP 366170000 MORT $26,250.00 BAL $26,182.17 RATE 9.2500 PAI $270.17 CLTV 75.000 MATURITY 120930 FEE 0.5000 LOAN 0000021887625 LAST_NAME HARPER ADDRESS 3054 W EVANS DRIVE CITY PHOENIX STATE AZ ZIP 850230000 MORT $43,000.00 BAL $42,777.79 RATE 9.0000 PAI $544.71 CLTV 46.739 MATURITY 71015 FEE 0.5000 LOAN 0000021887724 LAST_NAME CARD ADDRESS 100 BLACK ROCK ROAD CITY COVENTRY STATE RI ZIP 028160000 MORT $70,850.00 BAL $70,808.38 RATE 8.6500 PAI $552.33 CLTV 77.857 MATURITY 121016 FEE 0.5000 LOAN 0000021887732 LAST_NAME FULMER ADDRESS 301 CROMWELL AVE CITY GADSDEN STATE AL ZIP 359030000 MORT $27,000.00 BAL $26,948.67 RATE 10.7900 PAI $252.85 CLTV 90.000 MATURITY 120826 FEE 0.5000 LOAN 0000021887740 LAST_NAME COWAN ADDRESS 4827 OLD BIRMINGHAM HWY CITY ANNISTON STATE AL ZIP 362010000 MORT $35,000.00 BAL $34,840.10 RATE 10.6400 PAI $389.93 CLTV 71.428 MATURITY 120829 FEE 0.5000 LOAN 0000021887773 LAST_NAME HAIRFIELD ADDRESS 1711 BECKHAM CHURCH RD CITY AXTON STATE VA ZIP 240540000 MORT $94,400.00 BAL $93,711.00 RATE 10.0000 PAI $1,014.43 CLTV 80.000 MATURITY 120825 FEE 0.5000 LOAN 0000021887781 LAST_NAME SIMPSON ADDRESS 330 E. COLLAMER DRIVE CITY CARSON STATE CA ZIP 907460000 MORT $27,800.00 BAL $27,800.00 RATE 9.7500 PAI $294.51 CLTV 79.918 MATURITY 121027 FEE 0.5000 LOAN 0000021887922 LAST_NAME COTHREN ADDRESS 954 HURON STREET CITY JACKSONVILL STATE FL ZIP 322540000 MORT $35,000.00 BAL $34,911.60 RATE 9.5000 PAI $365.48 CLTV 70.000 MATURITY 120923 FEE 0.5000 LOAN 0000021887930 LAST_NAME SHERMAN ADDRESS 9221 SOUTH 86TH EAST AVEN CITY TULSA STATE OK ZIP 741330000 MORT $14,800.00 BAL $14,800.00 RATE 10.6500 PAI $164.98 CLTV 79.834 MATURITY 121107 FEE 0.5000 LOAN 0000021887955 LAST_NAME LOW ADDRESS 11-13 NEW PLACE STREET CITY WALLINGFORD STATE CT ZIP 064920000 MORT $86,000.00 BAL $85,942.93 RATE 11.3500 PAI $841.82 CLTV 79.629 MATURITY 121001 FEE 0.5000 LOAN 0000021888128 LAST_NAME DEROY ADDRESS 805 ARAPAHO CITY ALAMOGORDO STATE NM ZIP 883100000 MORT $36,000.00 BAL $36,000.00 RATE 9.8000 PAI $342.66 CLTV 88.888 MATURITY 171122 FEE 0.5000 LOAN 0000021888177 LAST_NAME SAINE,SR. ADDRESS 528 SW 15TH STREET CITY RICHMOND STATE IN ZIP 473740000 MORT $11,550.00 BAL $11,494.89 RATE 10.4000 PAI $155.21 CLTV 85.000 MATURITY 70930 FEE 0.5000 LOAN 0000021888359 LAST_NAME SMITH ADDRESS 3709 HARLEM AVE. CITY BALTIMORE STATE MD ZIP 212290000 MORT $52,000.00 BAL $51,983.33 RATE 11.5000 PAI $514.95 CLTV 77.611 MATURITY 271003 FEE 0.5000 LOAN 0000021888375 LAST_NAME WYMER ADDRESS 521 N. JEFFERSON STREET CITY LISBON STATE OH ZIP 444320000 MORT $70,200.00 BAL $70,067.59 RATE 9.8000 PAI $605.71 CLTV 90.000 MATURITY 270930 FEE 0.5000 LOAN 0000021888441 LAST_NAME NOBLES ADDRESS 554 CEDAR AVE CITY MOBILE STATE AL ZIP 366030000 MORT $53,000.00 BAL $52,870.35 RATE 10.6000 PAI $532.71 CLTV 77.941 MATURITY 170903 FEE 0.5000 LOAN 0000021888458 LAST_NAME AKRIDGE ADDRESS 5954 JONAH CT CITY SATSUMA STATE AL ZIP 365720000 MORT $72,000.00 BAL $71,778.62 RATE 8.8000 PAI $638.57 CLTV 75.789 MATURITY 170822 FEE 0.5000 LOAN 0000021888466 LAST_NAME KALKWARF ADDRESS 716 OAK AVENUE CITY CRETE STATE NE ZIP 683330000 MORT $46,750.00 BAL $46,635.11 RATE 9.8000 PAI $496.68 CLTV 85.000 MATURITY 121010 FEE 0.5000 LOAN 0000021888565 LAST_NAME BROADIE ADDRESS 715 O'NEIL STREET CITY HIGH POINT STATE NC ZIP 272600000 MORT $79,200.00 BAL $79,115.82 RATE 9.1500 PAI $645.83 CLTV 80.000 MATURITY 120929 FEE 0.5000 LOAN 0000021888573 LAST_NAME KING ADDRESS 112 HIGHLAND DRIVE CITY ROSSVILLE STATE GA ZIP 307410000 MORT $55,200.00 BAL $55,200.00 RATE 8.3000 PAI $472.08 CLTV 80.000 MATURITY 171105 FEE 0.5000 LOAN 0000021888789 LAST_NAME HARDEN ADDRESS 1624 CASELTON AVE CITY STATEN ISLA STATE NY ZIP 103020000 MORT $130,000.00 BAL $129,806.64 RATE 9.5000 PAI $1,093.11 CLTV 78.787 MATURITY 270828 FEE 0.5000 LOAN 0000021888805 LAST_NAME MCCLELLAN ADDRESS 8100 W LONGFELLOW STREET CITY HOMOSASSA STATE FL ZIP 344480000 MORT $44,100.00 BAL $43,992.11 RATE 10.6000 PAI $443.26 CLTV 90.000 MATURITY 170930 FEE 0.5000 LOAN 0000021888847 LAST_NAME MOSELEY ADDRESS 102 PEG WILLIAMS ROAD CITY WARRENTON STATE NC ZIP 275890000 MORT $78,000.00 BAL $78,000.00 RATE 9.6500 PAI $734.72 CLTV 79.591 MATURITY 171014 FEE 0.5000 LOAN 0000021888870 LAST_NAME NYSTROM ADDRESS 1419 SHADY KNOLL CT CITY MATTHEWS STATE NC ZIP 281050000 MORT $120,700.00 BAL $120,563.30 RATE 11.1500 PAI $1,258.20 CLTV 85.000 MATURITY 171001 FEE 0.5000 LOAN 0000021888904 LAST_NAME MCLAUGHLIN ADDRESS 1113 NE TURNER DRIVE CITY ALBUQUERQUE STATE NM ZIP 871120000 MORT $19,000.00 BAL $19,000.00 RATE 9.5000 PAI $177.11 CLTV 79.845 MATURITY 171124 FEE 0.5000 LOAN 0000021888912 LAST_NAME CHARLESTON ADDRESS 1009 WELLINGTON AVENUE CITY LEHIGH ACRE STATE FL ZIP 339360000 MORT $48,000.00 BAL $47,946.24 RATE 8.9000 PAI $382.78 CLTV 78.688 MATURITY 270929 FEE 0.5000 LOAN 0000021888920 LAST_NAME CODY ADDRESS 225 WOODHAVEN ROAD CITY ROCK CREEK STATE NC ZIP 286590000 MORT $60,000.00 BAL $59,690.64 RATE 9.8500 PAI $573.07 CLTV 80.000 MATURITY 171006 FEE 0.5000 LOAN 0000021889027 LAST_NAME SMITH ADDRESS 35 CASE ROAD CITY WILLIAMSTOW STATE NY ZIP 134930000 MORT $36,000.00 BAL $35,905.50 RATE 9.1500 PAI $368.36 CLTV 75.000 MATURITY 120924 FEE 0.5000 LOAN 0000021889043 LAST_NAME CRABTREE ADDRESS 6016 COLCHESTER ROAD CITY FAIRFAX STATE VA ZIP 220300000 MORT $118,800.00 BAL $118,646.40 RATE 8.2000 PAI $888.34 CLTV 80.000 MATURITY 120926 FEE 0.5000 LOAN 0000021889092 LAST_NAME O'DELL ADDRESS 1070 EMPORIA STREET CITY AURORA STATE CO ZIP 800100000 MORT $72,800.00 BAL $72,756.79 RATE 8.6000 PAI $564.94 CLTV 80.000 MATURITY 121016 FEE 0.5000 LOAN 0000021889100 LAST_NAME ROBINSON ADDRESS 1 POST PLACE CITY NEWBURGH STATE NY ZIP 125500000 MORT $88,000.00 BAL $87,275.72 RATE 8.2000 PAI $962.24 CLTV 80.000 MATURITY 90929 FEE 0.5000 LOAN 0000021889134 LAST_NAME GREENMAN ADDRESS 7140 ACADEMY LANE CITY LOCKPORT STATE NY ZIP 140940000 MORT $73,800.00 BAL $73,762.13 RATE 9.3000 PAI $609.82 CLTV 90.000 MATURITY 121008 FEE 0.5000 LOAN 0000021889175 LAST_NAME AXTELL ADDRESS 17631 NICKS DRIVE CITY SPRING HILL STATE FL ZIP 346100000 MORT $31,700.00 BAL $31,625.94 RATE 10.3500 PAI $347.47 CLTV 53.728 MATURITY 121001 FEE 0.5000 LOAN 0000021889209 LAST_NAME ROCK ADDRESS 4770 COCONUT DRIVE CITY TITUSVILLE STATE FL ZIP 327800000 MORT $26,600.00 BAL $26,533.12 RATE 9.5500 PAI $278.57 CLTV 70.000 MATURITY 121001 FEE 0.5000 LOAN 0000021889217 LAST_NAME HARDEN ADDRESS 3682 SINGLE LEAF CT CITY HIGH POINT STATE NC ZIP 272650000 MORT $116,800.00 BAL $116,590.28 RATE 9.9900 PAI $1,024.14 CLTV 80.143 MATURITY 270716 FEE 0.5000 LOAN 0000021889308 LAST_NAME BROWN ADDRESS 1047 HANCOCK ST CITY BROOKLYN STATE NY ZIP 112130000 MORT $92,000.00 BAL $91,583.11 RATE 8.9900 PAI $827.16 CLTV 56.615 MATURITY 170901 FEE 0.5000 LOAN 0000021889340 LAST_NAME GALARZA ADDRESS 273 BARBEY ST CITY BROOKLYN STATE NY ZIP 112070000 MORT $30,000.00 BAL $29,884.28 RATE 10.2500 PAI $294.49 CLTV 77.190 MATURITY 170819 FEE 0.5000 LOAN 0000021889399 LAST_NAME HAIGLER ADDRESS 173 STUYVESANT AVE. CITY BROOKLYN STATE NY ZIP 112210000 MORT $118,000.00 BAL $117,667.18 RATE 9.5000 PAI $1,099.92 CLTV 67.428 MATURITY 170923 FEE 0.5000 LOAN 0000021889407 LAST_NAME THOMAS ADDRESS 15 SUNSET GARDENS CITY WRIGHT TOWN STATE PA ZIP 187070000 MORT $88,800.00 BAL $88,745.08 RATE 8.4000 PAI $676.52 CLTV 80.000 MATURITY 271006 FEE 0.5000 LOAN 0000021889423 LAST_NAME SOWARDS ADDRESS 8410 NE 78TH LANE CITY GAINESVILLE STATE FL ZIP 326090000 MORT $34,000.00 BAL $33,909.33 RATE 8.9000 PAI $342.84 CLTV 68.000 MATURITY 120930 FEE 0.5000 LOAN 0000021889548 LAST_NAME SPENCER ADDRESS 422 DEVON STREET CITY MOBILE STATE AL ZIP 366170000 MORT $52,500.00 BAL $52,350.97 RATE 9.4500 PAI $487.66 CLTV 83.333 MATURITY 170926 FEE 0.5000 LOAN 0000021889563 LAST_NAME HEINBAUGH ADDRESS 1398 SOCIAL ISLAND ROAD CITY CHAMBERSBUR STATE PA ZIP 172010000 MORT $126,000.00 BAL $125,940.33 RATE 9.6800 PAI $1,076.07 CLTV 90.000 MATURITY 121010 FEE 0.5000 LOAN 0000021889571 LAST_NAME KIOUS ADDRESS 4020 SW 109TH STREET CITY WAKARUSA STATE KS ZIP 665460000 MORT $97,750.00 BAL $97,597.97 RATE 8.7000 PAI $860.72 CLTV 85.000 MATURITY 170929 FEE 0.5000 LOAN 0000021889670 LAST_NAME IVEY ADDRESS 3524 N COUNTRY LINE ROAD CITY LITHIA SPRI STATE GA ZIP 300570000 MORT $21,300.00 BAL $21,300.00 RATE 9.7500 PAI $225.65 CLTV 79.948 MATURITY 121110 FEE 0.5000 LOAN 0000021889704 LAST_NAME NICHOLS ADDRESS 1804 MELISSA CT CITY MOBILE STATE AL ZIP 366050000 MORT $54,900.00 BAL $54,762.15 RATE 10.4000 PAI $544.43 CLTV 90.000 MATURITY 170924 FEE 0.5000 LOAN 0000021889746 LAST_NAME MESSIER ADDRESS 193 PINE STREET CITY TOWN OF COL STATE CT ZIP 062370000 MORT $45,000.00 BAL $45,000.00 RATE 9.7500 PAI $476.72 CLTV 55.564 MATURITY 121029 FEE 0.5000 LOAN 0000021889795 LAST_NAME BOOKER ADDRESS 22 HAMILTON ST CITY SOMERVILLE STATE NJ ZIP 088760000 MORT $42,000.00 BAL $41,888.77 RATE 9.9900 PAI $405.03 CLTV 56.000 MATURITY 170901 FEE 0.5000 LOAN 0000021889829 LAST_NAME WILKES ADDRESS 615 CRESSON AVENUE CITY PLEASANTVIL STATE NJ ZIP 082320000 MORT $56,800.00 BAL $56,072.36 RATE 9.7000 PAI $536.89 CLTV 80.000 MATURITY 171015 FEE 0.5000 LOAN 0000021889894 LAST_NAME REID ADDRESS 520 NW 38TH AVE CITY FT. LAUDERD STATE FL ZIP 333110000 MORT $60,000.00 BAL $59,841.43 RATE 9.0000 PAI $608.57 CLTV 68.181 MATURITY 120923 FEE 0.5000 LOAN 0000021889936 LAST_NAME CORBETT ADDRESS 838 FAIR OAK AVENUE CITY HYATTSVILLE STATE MD ZIP 207830000 MORT $62,300.00 BAL $62,125.41 RATE 9.5500 PAI $582.75 CLTV 42.380 MATURITY 170826 FEE 0.5000 LOAN 0000021889951 LAST_NAME STEWARD ADDRESS 2414 18TH AVENUE SOUTH CITY ST PETERSBU STATE FL ZIP 337050000 MORT $29,700.00 BAL $29,700.00 RATE 9.6000 PAI $251.91 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021890090 LAST_NAME SEIBEL ADDRESS ROUTE 1 BOX 1524 CITY EAGLE ROCK STATE VA ZIP 240850000 MORT $72,000.00 BAL $71,902.06 RATE 9.7500 PAI $682.94 CLTV 90.000 MATURITY 171008 FEE 0.5000 LOAN 0000021890199 LAST_NAME YOUNG ADDRESS 3814 CEDAR DRIVE CITY BALTIMORE STATE MD ZIP 212070000 MORT $15,000.00 BAL $14,927.36 RATE 14.3500 PAI $203.30 CLTV 74.842 MATURITY 120823 FEE 0.5000 LOAN 0000021890223 LAST_NAME WHITE ADDRESS 2737 EAST VILLA MARIA DRI CITY PHOENIX STATE AZ ZIP 850320000 MORT $18,700.00 BAL $18,700.00 RATE 9.7500 PAI $198.11 CLTV 79.970 MATURITY 121110 FEE 0.5000 LOAN 0000021890249 LAST_NAME WATKINS ADDRESS 108 LONG MOUNTAIN DRIVE CITY LYNCHBURG STATE VA ZIP 245040000 MORT $81,000.00 BAL $80,562.16 RATE 8.2000 PAI $991.34 CLTV 60.000 MATURITY 71027 FEE 0.5000 LOAN 0000021890272 LAST_NAME WATKINS ADDRESS 532 SOMERSET PLACE, N.W. CITY WASHINGTON STATE DC ZIP 200110000 MORT $100,000.00 BAL $99,885.71 RATE 8.8000 PAI $790.27 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021890280 LAST_NAME GAGNE ADDRESS 657 VINTAGE LANE CITY TOWN OF GRE STATE NY ZIP 146150000 MORT $104,000.00 BAL $103,827.57 RATE 8.2000 PAI $882.89 CLTV 80.000 MATURITY 171008 FEE 0.5000 LOAN 0000021890314 LAST_NAME MARI ADDRESS 813 N COUNTYLINE RD CITY HINSDALE STATE IL ZIP 605210000 MORT $175,300.00 BAL $174,998.17 RATE 8.9000 PAI $1,397.91 CLTV 76.217 MATURITY 120825 FEE 0.5000 LOAN 0000021890322 LAST_NAME MILLS ADDRESS 102 EMERALD DRIVE CITY TOWNSHIP OF STATE PA ZIP 150680000 MORT $56,000.00 BAL $55,847.28 RATE 8.6500 PAI $556.39 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021890330 LAST_NAME BENITEZ ADDRESS 95 HAROLD STREET CITY PROVIDENCE STATE RI ZIP 029080000 MORT $60,000.00 BAL $59,832.50 RATE 8.6500 PAI $596.14 CLTV 76.923 MATURITY 121001 FEE 0.5000 LOAN 0000021890371 LAST_NAME ALLEN ADDRESS 2815 OSWEGO AVENUE CITY BALTIMORE STATE MD ZIP 212150000 MORT $44,000.00 BAL $43,770.73 RATE 9.2000 PAI $451.53 CLTV 80.000 MATURITY 120902 FEE 0.5000 LOAN 0000021890405 LAST_NAME GRACE ADDRESS 1101 JOHN STREET CITY TUSCUMBIA STATE AL ZIP 356740000 MORT $44,800.00 BAL $44,557.83 RATE 8.2000 PAI $548.30 CLTV 80.000 MATURITY 71024 FEE 0.5000 LOAN 0000021890421 LAST_NAME BAUMANN ADDRESS 72 CAMP BETHEL ROAD CITY HADDAM STATE CT ZIP 064380000 MORT $137,000.00 BAL $137,000.00 RATE 8.3500 PAI $1,175.95 CLTV 54.800 MATURITY 171029 FEE 0.5000 LOAN 0000021890439 LAST_NAME SCHMERBAUCH ADDRESS 4759 BIT AND SPUR ROAD CITY MOBILE STATE AL ZIP 366080000 MORT $26,000.00 BAL $25,871.24 RATE 9.7500 PAI $340.01 CLTV 57.821 MATURITY 71027 FEE 0.5000 LOAN 0000021890447 LAST_NAME PURDY ADDRESS 4504 OLD MILL RD. CITY ALEXANDRIA STATE VA ZIP 223090000 MORT $184,000.00 BAL $183,902.67 RATE 9.8000 PAI $1,587.60 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021890454 LAST_NAME CARR ADDRESS 126 INTERVALE STREET CITY BROCKTON STATE MA ZIP 024010000 MORT $84,000.00 BAL $83,958.68 RATE 9.5000 PAI $706.32 CLTV 77.777 MATURITY 271001 FEE 0.5000 LOAN 0000021890504 LAST_NAME FERRARA ADDRESS 2577 MOHAWK TRAIL CITY ACWORTH STATE GA ZIP 301020000 MORT $16,000.00 BAL $15,960.86 RATE 9.8500 PAI $170.47 CLTV 74.387 MATURITY 121001 FEE 0.5000 LOAN 0000021890538 LAST_NAME BODTKE III ADDRESS 123 MOUNT AIRE DRIVE CITY EAST PEORIA STATE IL ZIP 616110000 MORT $67,800.00 BAL $67,800.00 RATE 9.8500 PAI $587.50 CLTV 79.764 MATURITY 271103 FEE 0.5000 LOAN 0000021890553 LAST_NAME HIGGINS ADDRESS 6 HEIGHTS ROAD CITY TOWN OF SMI STATE NY ZIP 117680000 MORT $24,700.00 BAL $24,640.40 RATE 10.0000 PAI $265.43 CLTV 72.718 MATURITY 121101 FEE 0.5000 LOAN 0000021890587 LAST_NAME BODIKER ADDRESS 3959 HIGHLAND DR CITY RICHMOND STATE IN ZIP 473740000 MORT $74,700.00 BAL $74,612.99 RATE 10.6500 PAI $691.71 CLTV 90.000 MATURITY 120827 FEE 0.5000 LOAN 0000021890603 LAST_NAME LARA ADDRESS 601 W PRESIDIO CITY CARLSBAD STATE NM ZIP 882200000 MORT $48,240.00 BAL $48,079.89 RATE 9.0500 PAI $490.72 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021890629 LAST_NAME MCNEIL ADDRESS 2143 E HOOD ST CITY SPRINGFIELD STATE IL ZIP 627030000 MORT $18,773.00 BAL $18,723.97 RATE 9.6500 PAI $197.74 CLTV 36.480 MATURITY 121001 FEE 0.5000 LOAN 0000021890645 LAST_NAME AMATUCCI ADDRESS 903 EAST LAKE AVENUE CITY BALTIMORE STATE MD ZIP 212120000 MORT $58,000.00 BAL $57,936.28 RATE 8.9900 PAI $466.26 CLTV 67.441 MATURITY 120924 FEE 0.5000 LOAN 0000021890736 LAST_NAME THOMAS ADDRESS 73 WILLARD AVENUE CITY WAKEFIELD STATE RI ZIP 028790000 MORT $81,000.00 BAL $80,920.00 RATE 9.5000 PAI $681.09 CLTV 70.434 MATURITY 120917 FEE 0.5000 LOAN 0000021890744 LAST_NAME MARSHALL ADDRESS 4205 GADWELL PLACE CITY VIRGINIA BE STATE VA ZIP 234620000 MORT $36,000.00 BAL $36,000.00 RATE 9.7000 PAI $340.28 CLTV 48.648 MATURITY 171028 FEE 0.5000 LOAN 0000021890751 LAST_NAME SEES ADDRESS 122 CLAY STREET CITY FRAZEYBURG STATE OH ZIP 438220000 MORT $77,000.00 BAL $76,618.29 RATE 9.7500 PAI $815.71 CLTV 81.914 MATURITY 120825 FEE 0.5000 LOAN 0000021890843 LAST_NAME TRAURIG ADDRESS 3407 MARCH TERRACE CITY CINCINNATI STATE OH ZIP 452390000 MORT $86,400.00 BAL $86,331.02 RATE 10.5000 PAI $790.34 CLTV 90.000 MATURITY 270826 FEE 0.5000 LOAN 0000021890868 LAST_NAME FUHS ADDRESS 90 RODIMAN AVENUE CITY FITCHBURG STATE MA ZIP 014200000 MORT $82,400.00 BAL $82,400.00 RATE 8.3500 PAI $707.29 CLTV 80.000 MATURITY 171022 FEE 0.5000 LOAN 0000021890884 LAST_NAME HATTON ADDRESS 4745 E 174TH STREET CITY CLEVELAND STATE OH ZIP 441280000 MORT $62,900.00 BAL $62,815.64 RATE 9.9900 PAI $551.53 CLTV 85.000 MATURITY 270822 FEE 0.5000 LOAN 0000021890892 LAST_NAME STRONG ADDRESS 13642 CHINOOK DR CITY FORT WAYNE STATE IN ZIP 468180000 MORT $69,000.00 BAL $68,579.11 RATE 9.5000 PAI $580.19 CLTV 69.000 MATURITY 120818 FEE 0.5000 LOAN 0000021890942 LAST_NAME HALL ADDRESS 102 ELAINE CT CITY EASLEY STATE SC ZIP 296400000 MORT $170,000.00 BAL $169,840.72 RATE 9.7500 PAI $1,460.57 CLTV 75.892 MATURITY 270826 FEE 0.5000 LOAN 0000021890967 LAST_NAME MUSE ADDRESS 5448 HUNTER AVENUE CITY CINCINNATI STATE OH ZIP 452120000 MORT $70,550.00 BAL $70,450.43 RATE 9.7500 PAI $606.14 CLTV 85.000 MATURITY 270829 FEE 0.5000 LOAN 0000021890975 LAST_NAME SMITH ADDRESS 3909 ELMORA AVE CITY BALTIMORE STATE MD ZIP 212130000 MORT $65,450.00 BAL $65,421.05 RATE 10.0000 PAI $574.37 CLTV 85.000 MATURITY 121010 FEE 0.5000 LOAN 0000021890983 LAST_NAME PLACE ADDRESS 6 CHEROKEE DR CITY HAMILTON STATE OH ZIP 450130000 MORT $54,400.00 BAL $54,309.98 RATE 8.9900 PAI $437.33 CLTV 80.000 MATURITY 120822 FEE 0.5000 LOAN 0000021890991 LAST_NAME MULLER ADDRESS 19 MANOR PLACE CITY KINGSTON STATE NY ZIP 124010000 MORT $79,050.00 BAL $79,050.00 RATE 9.1500 PAI $644.61 CLTV 85.000 MATURITY 121103 FEE 0.5000 LOAN 0000021891023 LAST_NAME LESKO ADDRESS 100 MERCER STREET CITY STRATFORD STATE CT ZIP 064970000 MORT $94,900.00 BAL $94,607.45 RATE 8.8000 PAI $841.67 CLTV 63.691 MATURITY 170922 FEE 0.5000 LOAN 0000021891064 LAST_NAME REESE ADDRESS 14112 BRUNSWICK AVE CITY MAPLE HEIGH STATE OH ZIP 441370000 MORT $68,000.00 BAL $67,887.47 RATE 8.9900 PAI $546.66 CLTV 77.272 MATURITY 120827 FEE 0.5000 LOAN 0000021891072 LAST_NAME DAVIS ADDRESS 10101 WOODY RIDGE RD CITY CHARLOTTE STATE NC ZIP 282730000 MORT $40,500.00 BAL $40,360.29 RATE 7.9000 PAI $336.25 CLTV 64.285 MATURITY 170901 FEE 0.5000 LOAN 0000021891080 LAST_NAME WHITE ADDRESS 144 SHADY GROVE DRIVE CITY CAIRO STATE GA ZIP 317280000 MORT $38,250.00 BAL $38,066.35 RATE 10.1000 PAI $413.38 CLTV 85.000 MATURITY 120901 FEE 0.5000 LOAN 0000021891106 LAST_NAME MESSINA ADDRESS 128 BRIGHTON AVENUE CITY BOROUGH OF STATE NY ZIP 103010000 MORT $98,000.00 BAL $98,000.00 RATE 7.9000 PAI $813.63 CLTV 70.000 MATURITY 171119 FEE 0.5000 LOAN 0000021891155 LAST_NAME STEPANIAK ADDRESS 1802 FIRST STREET CITY LAKE PLACID STATE FL ZIP 338520000 MORT $17,500.00 BAL $17,420.85 RATE 10.7500 PAI $196.17 CLTV 25.735 MATURITY 121003 FEE 0.5000 LOAN 0000021891171 LAST_NAME SHAWA ADDRESS 6513 RUNNING WOODS DRIVE CITY TAMPA STATE FL ZIP 336340000 MORT $52,000.00 BAL $52,000.00 RATE 8.9500 PAI $416.54 CLTV 78.787 MATURITY 121105 FEE 0.5000 LOAN 0000021891197 LAST_NAME PALAZZO ADDRESS 164 MOUNTAIN VEIW ROAD CITY SOMERS STATE CT ZIP 060710000 MORT $94,000.00 BAL $93,950.24 RATE 9.1500 PAI $766.51 CLTV 62.666 MATURITY 271028 FEE 0.5000 LOAN 0000021891205 LAST_NAME RODGERS ADDRESS 21 SATIN WOOD DRIVE CITY CRAWFORDVIL STATE FL ZIP 323270000 MORT $36,000.00 BAL $35,904.50 RATE 9.1500 PAI $368.36 CLTV 80.000 MATURITY 121016 FEE 0.5000 LOAN 0000021891213 LAST_NAME BARTOLO ADDRESS 3108 NORTH MAPLE STREET CITY FRANKLIN PA STATE IL ZIP 601310000 MORT $22,730.00 BAL $22,730.00 RATE 10.3000 PAI $223.89 CLTV 84.998 MATURITY 171117 FEE 0.5000 LOAN 0000021891239 LAST_NAME HEDGE ADDRESS 5207 SEABOARD RD CITY JACKSONVILL STATE FL ZIP 322050000 MORT $49,000.00 BAL $48,880.14 RATE 9.8500 PAI $522.07 CLTV 79.032 MATURITY 121014 FEE 0.5000 LOAN 0000021891262 LAST_NAME COOPER ADDRESS 1603 NW 16TH STREET CITY FT.LAUDERDA STATE FL ZIP 333110000 MORT $43,000.00 BAL $42,882.61 RATE 9.0000 PAI $386.89 CLTV 63.235 MATURITY 171002 FEE 0.5000 LOAN 0000021891379 LAST_NAME DVOULETY ADDRESS 640 S 9TH AVENUE CITY LAGRANGE STATE IL ZIP 605250000 MORT $126,500.00 BAL $126,500.00 RATE 9.0000 PAI $1,017.85 CLTV 79.062 MATURITY 271030 FEE 0.5000 LOAN 0000021891395 LAST_NAME MCCAULEY ADDRESS 9201 N 84TH AVENUE CITY PEORIA STATE AZ ZIP 853450000 MORT $81,600.00 BAL $81,554.49 RATE 8.9000 PAI $650.71 CLTV 80.000 MATURITY 271101 FEE 0.5000 LOAN 0000021891569 LAST_NAME HOLTON ADDRESS 280 WESTLAND WAY CITY MARIETTA STATE GA ZIP 300640000 MORT $44,000.00 BAL $43,793.49 RATE 8.8000 PAI $390.24 CLTV 80.000 MATURITY 170904 FEE 0.5000 LOAN 0000021891577 LAST_NAME MITCHELL ADDRESS 1202 E 36TH STREET CITY BALTIMORE STATE MD ZIP 212180000 MORT $81,600.00 BAL $81,479.89 RATE 9.5500 PAI $689.12 CLTV 80.000 MATURITY 120820 FEE 0.5000 LOAN 0000021891619 LAST_NAME MCKAY ADDRESS 4479 HILLMON GROVE RD CITY CAMERON STATE NC ZIP 283260000 MORT $28,000.00 BAL $27,923.91 RATE 9.7900 PAI $266.32 CLTV 50.909 MATURITY 170901 FEE 0.5000 LOAN 0000021891627 LAST_NAME HOLLER ADDRESS 123 STULL AVE CITY AKRON STATE OH ZIP 443120000 MORT $67,600.00 BAL $67,247.77 RATE 9.2000 PAI $693.71 CLTV 80.000 MATURITY 120904 FEE 0.5000 LOAN 0000021891635 LAST_NAME ANDERSON ADDRESS 37 E HEATH STREET CITY BALTIMORE STATE MD ZIP 212300000 MORT $46,000.00 BAL $45,801.41 RATE 11.2500 PAI $530.08 CLTV 70.769 MATURITY 120909 FEE 0.5000 LOAN 0000021891643 LAST_NAME APTE ADDRESS 4487 BAY COURT CITY MARIETTA STATE GA ZIP 300660000 MORT $21,700.00 BAL $21,151.84 RATE 10.2000 PAI $235.85 CLTV 79.974 MATURITY 120902 FEE 0.5000 LOAN 0000021891676 LAST_NAME DELLOW ADDRESS 2112 KENTUCKY AVE CITY BALTIMORE STATE MD ZIP 212180000 MORT $12,700.00 BAL $12,641.16 RATE 10.4900 PAI $140.31 CLTV 72.604 MATURITY 120826 FEE 0.5000 LOAN 0000021891684 LAST_NAME OMAN ADDRESS 9220 OAK RIDGE DRIVE CITY ROCHELLE STATE IL ZIP 610680000 MORT $25,000.00 BAL $24,947.53 RATE 11.5000 PAI $292.05 CLTV 83.738 MATURITY 121027 FEE 0.5000 LOAN 0000021891726 LAST_NAME KNOPP ADDRESS 1407 CLAIRIDGE RD CITY BALTIMORE STATE MD ZIP 212070000 MORT $60,200.00 BAL $60,040.59 RATE 9.9900 PAI $580.54 CLTV 70.000 MATURITY 170901 FEE 0.5000 LOAN 0000021891734 LAST_NAME MITCHELL ADDRESS 512 SHERWOOD AVENUE CITY YOUNGSTOWN STATE OH ZIP 445110000 MORT $22,400.00 BAL $22,400.00 RATE 9.7000 PAI $211.74 CLTV 80.000 MATURITY 171027 FEE 0.5000 LOAN 0000021891742 LAST_NAME MCGEE ADDRESS 3348 KING RICHARD COURT CITY VIRGINIA BE STATE VA ZIP 234520000 MORT $121,950.00 BAL $121,800.52 RATE 10.5500 PAI $1,221.62 CLTV 90.000 MATURITY 171024 FEE 0.5000 LOAN 0000021891767 LAST_NAME MORELAND ADDRESS 625 NORTH WAYNE CITY WARREN STATE IN ZIP 467920000 MORT $46,700.00 BAL $46,580.43 RATE 9.3500 PAI $483.44 CLTV 84.909 MATURITY 121022 FEE 0.5000 LOAN 0000021891775 LAST_NAME MARTIN ADDRESS 1720 C STREET, N.E. CITY WASHINGTON STATE DC ZIP 200020000 MORT $96,000.00 BAL $95,851.10 RATE 9.3000 PAI $793.25 CLTV 80.000 MATURITY 270825 FEE 0.5000 LOAN 0000021891809 LAST_NAME VETTEL ADDRESS 12479 MELODY LANE CITY GRAFTON STATE OH ZIP 440440000 MORT $54,000.00 BAL $53,718.63 RATE 9.2000 PAI $554.15 CLTV 77.142 MATURITY 120901 FEE 0.5000 LOAN 0000021891825 LAST_NAME KAY ADDRESS 382 NW 117TH COURT CITY OCALA STATE FL ZIP 344820000 MORT $40,000.00 BAL $39,945.00 RATE 9.7500 PAI $379.41 CLTV 80.000 MATURITY 171010 FEE 0.5000 LOAN 0000021891833 LAST_NAME BINGHAM ADDRESS 1117 MT.VERNON SPRINGS RD CITY SILER CITY STATE NC ZIP 273440000 MORT $62,400.00 BAL $62,340.28 RATE 9.6500 PAI $531.54 CLTV 80.000 MATURITY 120825 FEE 0.5000 LOAN 0000021891866 LAST_NAME LINDSEY ADDRESS 583 W MAIN STREET CITY NEWARK STATE OH ZIP 430550000 MORT $85,000.00 BAL $84,840.91 RATE 10.2500 PAI $761.69 CLTV 85.000 MATURITY 120708 FEE 0.5000 LOAN 0000021891924 LAST_NAME LOMBARDO ADDRESS 5471 38TH AVENUE NORTH CITY SAINT PETER STATE FL ZIP 337100000 MORT $56,800.00 BAL $56,719.54 RATE 7.7500 PAI $406.93 CLTV 80.000 MATURITY 270922 FEE 0.5000 LOAN 0000021891932 LAST_NAME CLONEY ADDRESS 136 PHILLIPS DR. CITY DECATUR STATE IL ZIP 625210000 MORT $54,400.00 BAL $54,254.28 RATE 8.8500 PAI $546.92 CLTV 80.000 MATURITY 121003 FEE 0.5000 LOAN 0000021891940 LAST_NAME BIBEAULT ADDRESS 918 VICTORY HIGHWAY CITY BURRILLVILL STATE RI ZIP 028390000 MORT $63,000.00 BAL $62,797.06 RATE 8.4500 PAI $544.74 CLTV 70.000 MATURITY 170922 FEE 0.5000 LOAN 0000021891957 LAST_NAME PLATTER ADDRESS 4256 WEBSTER AVE CITY CINCINNATI STATE OH ZIP 452360000 MORT $76,600.00 BAL $75,987.57 RATE 8.9900 PAI $776.48 CLTV 83.260 MATURITY 120820 FEE 0.5000 LOAN 0000021891965 LAST_NAME BARTHOLOMEW ADDRESS 3549 RIVER RD CITY LAUREL STATE MT ZIP 590440000 MORT $125,000.00 BAL $125,000.00 RATE 8.8000 PAI $1,253.01 CLTV 59.241 MATURITY 121103 FEE 0.5000 LOAN 0000021891973 LAST_NAME MCCLENDON ADDRESS 1492 MEREDITH DRIVE CITY SPRINGFIELD STATE OH ZIP 452310000 MORT $93,000.00 BAL $92,752.00 RATE 8.9000 PAI $937.75 CLTV 83.035 MATURITY 121028 FEE 0.5000 LOAN 0000021891981 LAST_NAME WHITE ADDRESS 1307 BRISCOE AVE. CITY ARTESIA STATE NM ZIP 882100000 MORT $41,600.00 BAL $41,538.10 RATE 9.0500 PAI $375.63 CLTV 80.000 MATURITY 171015 FEE 0.5000 LOAN 0000021892005 LAST_NAME KILBURN ADDRESS 2011 WOODSIDE CITY MIDDLETOWN STATE OH ZIP 450440000 MORT $64,600.00 BAL $64,513.52 RATE 10.0000 PAI $566.92 CLTV 85.000 MATURITY 120820 FEE 0.5000 LOAN 0000021892021 LAST_NAME VAN NOSTRAND ADDRESS 112 MEADOW RIVER ROAD CITY LIVERPOOL STATE NY ZIP 130900000 MORT $43,000.00 BAL $42,875.18 RATE 7.9500 PAI $409.70 CLTV 63.235 MATURITY 120923 FEE 0.5000 LOAN 0000021892047 LAST_NAME PARKER ADDRESS 3014 YADKYN AVE CITY CHARLOTTE STATE NC ZIP 282050000 MORT $67,500.00 BAL $67,450.56 RATE 10.9000 PAI $637.73 CLTV 90.000 MATURITY 120826 FEE 0.5000 LOAN 0000021892062 LAST_NAME DOBBINS ADDRESS 1894 SHADES CREST ROAD CITY BIRMINGHAM STATE AL ZIP 352160000 MORT $245,000.00 BAL $245,000.00 RATE 8.2000 PAI $2,079.88 CLTV 54.203 MATURITY 171020 FEE 0.5000 LOAN 0000021892104 LAST_NAME ROZNOWSKI ADDRESS 2404 26TH STREET CITY BAY CITY STATE MI ZIP 487080000 MORT $62,400.00 BAL $62,329.40 RATE 8.8500 PAI $495.37 CLTV 80.000 MATURITY 120930 FEE 0.5000 LOAN 0000021892120 LAST_NAME LUERS ADDRESS 118 SHERIDAN PLACE CITY CHICKASHA STATE OK ZIP 730180000 MORT $58,000.00 BAL $57,965.58 RATE 8.6000 PAI $450.09 CLTV 80.000 MATURITY 121024 FEE 0.5000 LOAN 0000021892153 LAST_NAME YOSHIOKA ADDRESS 14 COLUMBIA AVENUE CITY BOROUGH OF STATE NJ ZIP 070100000 MORT $10,000.00 BAL $10,000.00 RATE 9.8500 PAI $211.74 CLTV 42.065 MATURITY 21110 FEE 0.5000 LOAN 0000021892229 LAST_NAME GIBBS ADDRESS 324 N. LEEDS AVENUE CITY WHISLER STATE AL ZIP 366120000 MORT $32,000.00 BAL $31,919.91 RATE 9.6000 PAI $336.09 CLTV 80.000 MATURITY 121020 FEE 0.5000 LOAN 0000021892237 LAST_NAME FORD ADDRESS 2228 CADDEN ROAD CITY AUGUSTA STATE GA ZIP 309060000 MORT $75,000.00 BAL $74,933.36 RATE 10.0000 PAI $658.18 CLTV 89.285 MATURITY 270926 FEE 0.5000 LOAN 0000021892286 LAST_NAME BOLTZ ADDRESS 14332 HOWARD RD CITY DAYTON STATE MD ZIP 210360000 MORT $64,000.00 BAL $64,000.00 RATE 13.5000 PAI $830.93 CLTV 82.926 MATURITY 121020 FEE 0.5000 LOAN 0000021892294 LAST_NAME BAIOCCO ADDRESS 17 MAPLE SREET CITY MARCUS HOOK STATE PA ZIP 190610000 MORT $64,800.00 BAL $64,481.38 RATE 9.8400 PAI $690.02 CLTV 90.000 MATURITY 120929 FEE 0.5000 LOAN 0000021892385 LAST_NAME WALLACE ADDRESS 401 GLENBURN AVENUE CITY CAMBRIDGE STATE MD ZIP 216130000 MORT $108,375.00 BAL $108,317.62 RATE 9.1500 PAI $883.74 CLTV 85.000 MATURITY 121007 FEE 0.5000 LOAN 0000021892443 LAST_NAME SANCHEZ ADDRESS 989 AVENIDA DELAS CAMPANA CITY SANTA FE STATE NM ZIP 875050000 MORT $22,000.00 BAL $21,990.67 RATE 10.4000 PAI $199.60 CLTV 70.563 MATURITY 121027 FEE 0.5000 LOAN 0000021892450 LAST_NAME REARDON ADDRESS 2900 LORETTA DR CITY CINCINNATI STATE OH ZIP 452390000 MORT $78,000.00 BAL $77,886.39 RATE 9.6000 PAI $661.57 CLTV 82.105 MATURITY 120822 FEE 0.5000 LOAN 0000021892468 LAST_NAME GERHARDSTEIN ADDRESS 1072 BAYTREE COURT CITY CINCINNATI STATE OH ZIP 452300000 MORT $92,000.00 BAL $91,847.77 RATE 8.9900 PAI $739.60 CLTV 80.000 MATURITY 120818 FEE 0.5000 LOAN 0000021892484 LAST_NAME MCATEER ADDRESS 86 TUCKAHOE AVENUE CITY EASTCHESTER STATE NY ZIP 107090000 MORT $69,500.00 BAL $69,419.60 RATE 10.9900 PAI $716.90 CLTV 78.958 MATURITY 170924 FEE 0.5000 LOAN 0000021892500 LAST_NAME MOORE ADDRESS 4331 ST LAWRENCE CITY CINCINNATI STATE OH ZIP 452050000 MORT $72,000.00 BAL $71,419.72 RATE 8.9000 PAI $726.00 CLTV 80.000 MATURITY 120818 FEE 0.5000 LOAN 0000021892518 LAST_NAME HOPKINS ADDRESS 667 CROUSETOWN RD CITY LEXINGTON STATE NC ZIP 272920000 MORT $42,400.00 BAL $42,058.26 RATE 8.9000 PAI $427.54 CLTV 80.000 MATURITY 120827 FEE 0.5000 LOAN 0000021892534 LAST_NAME HENRY ADDRESS 706 ROCKFORD DRIVE CITY HAMILTON STATE OH ZIP 450130000 MORT $69,600.00 BAL $69,531.25 RATE 9.5000 PAI $585.24 CLTV 80.000 MATURITY 120819 FEE 0.5000 LOAN 0000021892567 LAST_NAME KAMINSKI ADDRESS 644 CLOUGH PIKE CITY CINCINNATI STATE OH ZIP 452450000 MORT $104,000.00 BAL $103,845.31 RATE 9.5000 PAI $874.49 CLTV 80.000 MATURITY 120813 FEE 0.5000 LOAN 0000021892583 LAST_NAME WILLIAMS ADDRESS 58 DEWEY AVE CITY NEWARK STATE OH ZIP 430550000 MORT $60,000.00 BAL $59,930.69 RATE 8.7500 PAI $472.03 CLTV 75.949 MATURITY 120821 FEE 0.5000 LOAN 0000021892617 LAST_NAME FLOYD ADDRESS 290 SILVER SPRINGS STREET CITY PACOLET STATE SC ZIP 293730000 MORT $27,000.00 BAL $26,602.64 RATE 8.9900 PAI $341.88 CLTV 43.548 MATURITY 70908 FEE 0.5000 LOAN 0000021892666 LAST_NAME MCHONE ADDRESS 605 W MAIN ST CITY PILOT MOUNT STATE NC ZIP 270410000 MORT $76,720.00 BAL $76,648.11 RATE 9.7500 PAI $659.15 CLTV 80.000 MATURITY 120829 FEE 0.5000 LOAN 0000021892682 LAST_NAME STILTNER ADDRESS 5219 FOXTAIL LANE CITY ROANOKE STATE VA ZIP 240190000 MORT $80,000.00 BAL $79,873.28 RATE 9.2000 PAI $655.25 CLTV 80.000 MATURITY 270729 FEE 0.5000 LOAN 0000021892724 LAST_NAME PAVADORE ADDRESS 818 MAIN STREET CITY WALPOLE STATE MA ZIP 020810000 MORT $75,000.00 BAL $74,900.58 RATE 9.9500 PAI $721.29 CLTV 48.387 MATURITY 170926 FEE 0.5000 LOAN 0000021892765 LAST_NAME SCHETINA ADDRESS 201 20TH AVE NW CITY MINNEAPOLIS STATE MN ZIP 554180000 MORT $60,000.00 BAL $59,951.57 RATE 10.4500 PAI $546.61 CLTV 75.000 MATURITY 120901 FEE 0.5000 LOAN 0000021892906 LAST_NAME HALPIN ADDRESS 69990 LAPORTE TRAIL CITY WALKERTON STATE IN ZIP 465740000 MORT $123,250.00 BAL $123,104.70 RATE 8.6500 PAI $960.82 CLTV 85.000 MATURITY 120901 FEE 0.5000 LOAN 0000021892922 LAST_NAME PALAZZINI ADDRESS 539 GOLFAIR BOULEVARD CITY JACKSONVILL STATE FL ZIP 322060000 MORT $47,600.00 BAL $47,480.33 RATE 9.5500 PAI $498.49 CLTV 70.000 MATURITY 121010 FEE 0.5000 LOAN 0000021892955 LAST_NAME SHAIN ADDRESS 1502 VERMONT CITY ALAMOGORDO STATE NM ZIP 883100000 MORT $27,750.00 BAL $27,750.00 RATE 10.4000 PAI $275.19 CLTV 75.000 MATURITY 171118 FEE 0.5000 LOAN 0000021893011 LAST_NAME BROWN ADDRESS 6208 STEVENS FOREST ROAD CITY COLUMBIA STATE MD ZIP 210450000 MORT $132,800.00 BAL $132,800.00 RATE 8.8500 PAI $1,054.24 CLTV 80.000 MATURITY 271029 FEE 0.5000 LOAN 0000021893052 LAST_NAME SMITH III ADDRESS 2434 FRANCIS ST. CITY BALTIMORE STATE MD ZIP 212170000 MORT $37,512.00 BAL $37,496.41 RATE 10.2900 PAI $337.26 CLTV 79.812 MATURITY 120929 FEE 0.5000 LOAN 0000021893102 LAST_NAME TORTORA ADDRESS 1879 W 6TH STREET CITY BROOKLYN STATE NY ZIP 112230000 MORT $25,000.00 BAL $24,805.60 RATE 9.3000 PAI $258.05 CLTV 74.615 MATURITY 120825 FEE 0.5000 LOAN 0000021893128 LAST_NAME FARACI ADDRESS 19 CONNERY ROAD CITY MIDDLETOWN STATE CT ZIP 064570000 MORT $53,000.00 BAL $52,880.55 RATE 9.9900 PAI $464.72 CLTV 42.063 MATURITY 120701 FEE 0.5000 LOAN 0000021893144 LAST_NAME DICKENSHEETS ADDRESS 5802 LINDEN ROAD CITY HAINES CITY STATE FL ZIP 338440000 MORT $48,000.00 BAL $47,879.32 RATE 9.5500 PAI $502.68 CLTV 80.000 MATURITY 121016 FEE 0.5000 LOAN 0000021893169 LAST_NAME COLANTUONO ADDRESS 51 S STONY BROOK DR CITY MARLBOROUGH STATE CT ZIP 064470000 MORT $178,000.00 BAL $176,944.83 RATE 7.7500 PAI $1,675.47 CLTV 74.789 MATURITY 120901 FEE 0.5000 LOAN 0000021893185 LAST_NAME MITTLEMAN ADDRESS 209 COSTELLO LANE CITY KINGSTON STATE NY ZIP 124010000 MORT $56,800.00 BAL $56,649.58 RATE 9.9900 PAI $547.76 CLTV 80.000 MATURITY 170910 FEE 0.5000 LOAN 0000021893219 LAST_NAME HEFFNER ADDRESS 17216 CUVEE COURT CITY POWAY STATE CA ZIP 920640000 MORT $28,000.00 BAL $27,930.87 RATE 9.7500 PAI $296.63 CLTV 75.944 MATURITY 121028 FEE 0.5000 LOAN 0000021893243 LAST_NAME CARSON ADDRESS 608 FIRST AVENUE CITY CROYDON STATE PA ZIP 190210000 MORT $115,000.00 BAL $115,000.00 RATE 10.0000 PAI $1,009.21 CLTV 89.843 MATURITY 271126 FEE 0.5000 LOAN 0000021893359 LAST_NAME CONTE ADDRESS 16 MONONGAHELA AVENUE CITY NORTH PROVI STATE RI ZIP 029110000 MORT $26,800.00 BAL $26,763.85 RATE 8.0500 PAI $197.59 CLTV 32.289 MATURITY 270924 FEE 0.5000 LOAN 0000021893409 LAST_NAME WILLIS ADDRESS 10758 SE CORA STREET CITY PORTLAND STATE OR ZIP 972660000 MORT $32,963.00 BAL $32,881.25 RATE 9.7000 PAI $348.20 CLTV 80.000 MATURITY 121020 FEE 0.5000 LOAN 0000021893417 LAST_NAME MARSHALL ADDRESS 830 CHILHOWEE STREET CITY HARRIMAN STATE TN ZIP 377480000 MORT $66,600.00 BAL $66,546.83 RATE 10.5000 PAI $609.22 CLTV 90.000 MATURITY 120904 FEE 0.5000 LOAN 0000021893425 LAST_NAME ISOLDI ADDRESS 50 THORNYCROFT AVENUE CITY STATEN ISLA STATE NY ZIP 103120000 MORT $74,000.00 BAL $73,800.46 RATE 9.8500 PAI $706.78 CLTV 45.679 MATURITY 170908 FEE 0.5000 LOAN 0000021893433 LAST_NAME MARTIN ADDRESS 312 HOLLIFIELD STREET CITY GASTONIA STATE NC ZIP 280560000 MORT $87,300.00 BAL $87,271.47 RATE 11.4000 PAI $857.88 CLTV 90.000 MATURITY 271027 FEE 0.5000 LOAN 0000021893508 LAST_NAME PATE ADDRESS 1973 BLACK CREEK ROAD CITY DARLINGTON STATE SC ZIP 295400000 MORT $75,000.00 BAL $74,887.09 RATE 8.7000 PAI $587.35 CLTV 78.125 MATURITY 120903 FEE 0.5000 LOAN 0000021893557 LAST_NAME KALAS ADDRESS 9 FALCOLN DRIVE CITY CODY STATE WY ZIP 824140000 MORT $76,000.00 BAL $75,965.65 RATE 9.9000 PAI $661.35 CLTV 27.636 MATURITY 121003 FEE 0.5000 LOAN 0000021893573 LAST_NAME DUNCAN ADDRESS 103 E 35TH PLACE CITY TULSA STATE OK ZIP 741050000 MORT $55,000.00 BAL $55,000.00 RATE 8.7000 PAI $430.73 CLTV 73.333 MATURITY 271101 FEE 0.5000 LOAN 0000021893607 LAST_NAME GARDNER ADDRESS 103 N. YORKTOWN DRIVE CITY EASLEY STATE SC ZIP 296400000 MORT $52,200.00 BAL $52,136.85 RATE 10.6500 PAI $526.43 CLTV 90.000 MATURITY 171001 FEE 0.5000 LOAN 0000021893615 LAST_NAME ROY ADDRESS 1002 WALNUT STREET CITY BURLINGTON STATE NJ ZIP 080160000 MORT $81,300.00 BAL $81,141.71 RATE 8.1000 PAI $602.23 CLTV 78.932 MATURITY 270929 FEE 0.5000 LOAN 0000021893649 LAST_NAME ARNOLD ADDRESS 22 SALEM ROAD CITY SHUSHAN STATE NY ZIP 128730000 MORT $65,000.00 BAL $64,822.73 RATE 8.6500 PAI $645.81 CLTV 68.421 MATURITY 121008 FEE 0.5000 LOAN 0000021893698 LAST_NAME GRESSLER ADDRESS 367 S HILLROSE COURT CITY THOUSAND OA STATE CA ZIP 913200000 MORT $15,000.00 BAL $15,000.00 RATE 9.8500 PAI $196.99 CLTV 73.131 MATURITY 71110 FEE 0.5000 LOAN 0000021893706 LAST_NAME SCHETINA ADDRESS 203 20TH AVENUE NORTHEAST CITY MINNEAPOLIS STATE MN ZIP 554180000 MORT $60,000.00 BAL $59,951.57 RATE 10.4500 PAI $546.61 CLTV 75.000 MATURITY 120901 FEE 0.5000 LOAN 0000021893714 LAST_NAME JAMES ADDRESS 7917 ECHOLS AVENUE CITY LANHAM STATE MD ZIP 207060000 MORT $58,000.00 BAL $57,743.71 RATE 11.0000 PAI $659.23 CLTV 54.205 MATURITY 120902 FEE 0.5000 LOAN 0000021893722 LAST_NAME MORENO ADDRESS 5424 W POLK RD CITY ALMA STATE MI ZIP 488010000 MORT $60,000.00 BAL $59,963.10 RATE 11.9900 PAI $616.71 CLTV 75.000 MATURITY 120901 FEE 0.5000 LOAN 0000021893797 LAST_NAME JOHNSON ADDRESS 2159 QUAILRIDGE DRIVE CITY FAYETTEVILL STATE NC ZIP 243090000 MORT $65,620.00 BAL $65,524.82 RATE 9.2500 PAI $601.00 CLTV 85.000 MATURITY 171014 FEE 0.5000 LOAN 0000021893896 LAST_NAME PHILLIPS ADDRESS BOX 8330 CITY HILLIARD STATE FL ZIP 320460000 MORT $54,000.00 BAL $54,000.00 RATE 10.8000 PAI $550.06 CLTV 90.000 MATURITY 171118 FEE 0.5000 LOAN 0000021893912 LAST_NAME JONES ADDRESS 1264 PARK PL CITY BROOKLYN STATE NY ZIP 112130000 MORT $148,000.00 BAL $147,861.34 RATE 9.7500 PAI $1,271.55 CLTV 80.000 MATURITY 120827 FEE 0.5000 LOAN 0000021893953 LAST_NAME PETTY ADDRESS 3542 LONG DRIVE CITY SAINT ANN STATE MO ZIP 630740000 MORT $54,400.00 BAL $54,400.00 RATE 8.9900 PAI $456.15 CLTV 80.000 MATURITY 221101 FEE 0.5000 LOAN 0000021893995 LAST_NAME FLUEHR ADDRESS 8 OAK HOLLOW LANE CITY SICKLERVILL STATE NJ ZIP 080810000 MORT $35,000.00 BAL $35,000.00 RATE 9.7500 PAI $739.35 CLTV 76.526 MATURITY 21104 FEE 0.5000 LOAN 0000021894126 LAST_NAME EASLEY ADDRESS 116 CHEADLE LOOP ROAD CITY SEAFORD STATE VA ZIP 236960000 MORT $216,000.00 BAL $215,847.38 RATE 8.8000 PAI $1,706.99 CLTV 80.000 MATURITY 121024 FEE 0.5000 LOAN 0000021894159 LAST_NAME FOBES ADDRESS 5517 RICHMOND RD CITY MOBILE STATE AL ZIP 366080000 MORT $80,000.00 BAL $79,917.42 RATE 9.2900 PAI $660.46 CLTV 80.000 MATURITY 120908 FEE 0.5000 LOAN 0000021894225 LAST_NAME SLOTE ADDRESS 1001 NE 114TH STREET CITY KANSAS CITY STATE MO ZIP 641550000 MORT $62,000.00 BAL $61,961.66 RATE 8.4000 PAI $472.34 CLTV 68.888 MATURITY 271027 FEE 0.5000 LOAN 0000021894290 LAST_NAME DAVIDOW ADDRESS 115 PENHURST STREET CITY ROCHESTER STATE NY ZIP 146190000 MORT $27,270.00 BAL $27,257.13 RATE 9.7000 PAI $233.30 CLTV 79.283 MATURITY 121022 FEE 0.5000 LOAN 0000021894399 LAST_NAME SMITH ADDRESS 3207 MIDLOTHIAN TURNPIKE CITY RICHMOND STATE VA ZIP 232240000 MORT $50,000.00 BAL $49,917.20 RATE 8.2000 PAI $424.47 CLTV 80.000 MATURITY 171021 FEE 0.5000 LOAN 0000021894456 LAST_NAME MINTO ADDRESS 7061 MARY DRIVE CITY MOBILE STATE AL ZIP 366180000 MORT $21,200.00 BAL $21,129.20 RATE 8.4500 PAI $208.15 CLTV 80.000 MATURITY 121029 FEE 0.5000 LOAN 0000021894472 LAST_NAME MCCRAVEN ADDRESS 920 COLONIAL DRIVE CITY CHINA GROVE STATE NC ZIP 280230000 MORT $102,850.00 BAL $102,850.00 RATE 9.4500 PAI $955.35 CLTV 85.000 MATURITY 171117 FEE 0.5000 LOAN 0000021894498 LAST_NAME MALLEY ADDRESS 1 W MARINA DRIVE CITY KNIFE RIVER STATE MN ZIP 556090000 MORT $25,000.00 BAL $25,000.00 RATE 9.4000 PAI $259.55 CLTV 79.430 MATURITY 121117 FEE 0.5000 LOAN 0000021894514 LAST_NAME BAILEY ADDRESS 357 OLENTANGY STREET CITY COLUMBUS STATE OH ZIP 432020000 MORT $79,000.00 BAL $78,572.97 RATE 8.2000 PAI $966.86 CLTV 75.238 MATURITY 71016 FEE 0.5000 LOAN 0000021894530 LAST_NAME LARSON ADDRESS OAK TREE LANE CITY CEDAR CREST STATE NM ZIP 870080000 MORT $41,300.00 BAL $41,300.00 RATE 9.7500 PAI $437.52 CLTV 79.697 MATURITY 121103 FEE 0.5000 LOAN 0000021894563 LAST_NAME NORWOOD ADDRESS 25031 N.C. HWY 210 CITY CURRIE STATE NC ZIP 284350000 MORT $37,500.00 BAL $37,411.17 RATE 10.2000 PAI $407.58 CLTV 75.000 MATURITY 120918 FEE 0.5000 LOAN 0000021894589 LAST_NAME SEYMOUR ADDRESS 7300 SUN ISLAND DRIVE SOU CITY SOUTH PASAD STATE FL ZIP 337070000 MORT $42,000.00 BAL $41,942.50 RATE 9.7000 PAI $397.00 CLTV 60.240 MATURITY 171008 FEE 0.5000 LOAN 0000021894613 LAST_NAME PINK ADDRESS 1018 PINE STREET CITY WAUKEGAN STATE IL ZIP 600850000 MORT $76,000.00 BAL $76,000.00 RATE 8.1500 PAI $565.63 CLTV 80.000 MATURITY 271110 FEE 0.5000 LOAN 0000021894696 LAST_NAME COLVIN ADDRESS 832 LANE 4 CITY POWELL STATE WY ZIP 824350000 MORT $98,100.00 BAL $98,028.18 RATE 10.9000 PAI $926.82 CLTV 90.000 MATURITY 121002 FEE 0.5000 LOAN 0000021894704 LAST_NAME HARRIS ADDRESS 11156 S. PARNELL CITY CHICAGO STATE IL ZIP 606280000 MORT $42,000.00 BAL $41,673.42 RATE 9.3000 PAI $433.52 CLTV 47.191 MATURITY 120901 FEE 0.5000 LOAN 0000021894738 LAST_NAME STANLEY ADDRESS 1731 ARLIE MYERS STORE RO CITY MCGRADY STATE NC ZIP 286490000 MORT $58,400.00 BAL $58,210.92 RATE 8.7500 PAI $516.09 CLTV 75.844 MATURITY 170929 FEE 0.5000 LOAN 0000021894746 LAST_NAME MCCREADY ADDRESS 5248 FREDCREST ROAD CITY BALTIMORE STATE MD ZIP 212290000 MORT $55,000.00 BAL $54,947.81 RATE 9.6900 PAI $470.12 CLTV 78.571 MATURITY 270901 FEE 0.5000 LOAN 0000021894761 LAST_NAME WATTS ADDRESS 2407 SUNNYHILL AVE CITY MONROE TOWN STATE NJ ZIP 080940000 MORT $140,400.00 BAL $139,802.33 RATE 11.4000 PAI $1,631.22 CLTV 90.000 MATURITY 120915 FEE 0.5000 LOAN 0000021894779 LAST_NAME ISDANER ADDRESS 1112 SEA GULL LANE CITY CHERRY HILL STATE NJ ZIP 080030000 MORT $221,300.00 BAL $219,366.92 RATE 7.9900 PAI $2,113.58 CLTV 77.649 MATURITY 120801 FEE 0.5000 LOAN 0000021894795 LAST_NAME SHARPE ADDRESS 49 SAAM RD CITY HOLLAND TOW STATE NJ ZIP 088480000 MORT $280,000.00 BAL $279,692.26 RATE 8.9900 PAI $2,250.93 CLTV 77.777 MATURITY 120904 FEE 0.5000 LOAN 0000021894803 LAST_NAME BYRNES,III ADDRESS 256 HARVARD DR CITY INDEPENDENC STATE NJ ZIP 078400000 MORT $125,000.00 BAL $124,902.35 RATE 10.6000 PAI $1,152.78 CLTV 88.028 MATURITY 120916 FEE 0.5000 LOAN 0000021894811 LAST_NAME VICK ADDRESS 20 CANADA GOOSE DR CITY ALLAMUCHY T STATE NJ ZIP 078400000 MORT $209,700.00 BAL $209,612.07 RATE 10.2500 PAI $1,879.12 CLTV 76.254 MATURITY 120918 FEE 0.5000 LOAN 0000021894829 LAST_NAME YEAGER ADDRESS 17 HARBORAGE AVE CITY BERKELEY TO STATE NJ ZIP 087210000 MORT $122,500.00 BAL $122,188.39 RATE 10.3000 PAI $1,206.60 CLTV 75.617 MATURITY 170918 FEE 0.5000 LOAN 0000021894852 LAST_NAME PIERCE ADDRESS 309 SW KENYON AVENUE CITY DES MOINES STATE IA ZIP 503150000 MORT $85,000.00 BAL $84,936.26 RATE 10.7900 PAI $796.02 CLTV 68.000 MATURITY 120827 FEE 0.5000 LOAN 0000021894878 LAST_NAME HOLLIDAY ADDRESS 7015 KANAWHA FARM CIRCLE CITY CHARLESTON STATE WV ZIP 253120000 MORT $126,000.00 BAL $126,000.00 RATE 9.3000 PAI $1,300.56 CLTV 90.000 MATURITY 121105 FEE 0.5000 LOAN 0000021894886 LAST_NAME FLORES ADDRESS 101 EASTERN DRIVE CITY PORT CHARLO STATE FL ZIP 339520000 MORT $25,000.00 BAL $24,928.02 RATE 9.0500 PAI $254.32 CLTV 34.722 MATURITY 120929 FEE 0.5000 LOAN 0000021894902 LAST_NAME DEXTER ADDRESS 7442 N GULLEY ROAD CITY DEARBORN HE STATE MI ZIP 481270000 MORT $26,400.00 BAL $26,400.00 RATE 10.5000 PAI $291.83 CLTV 84.989 MATURITY 121103 FEE 0.5000 LOAN 0000021894936 LAST_NAME MEJIA ADDRESS 324 BRYANSTONE ROAD CITY REISTERSTOW STATE MD ZIP 211360000 MORT $102,400.00 BAL $102,218.25 RATE 8.6500 PAI $798.28 CLTV 80.000 MATURITY 120811 FEE 0.5000 LOAN 0000021894944 LAST_NAME WIGLEY ADDRESS 2020 NEW MEXICO STREET CITY SAVANNAH STATE GA ZIP 314040000 MORT $39,200.00 BAL $39,092.61 RATE 8.6000 PAI $388.32 CLTV 80.000 MATURITY 121015 FEE 0.5000 LOAN 0000021894969 LAST_NAME WARD ADDRESS 2100 JANICE DRIVE CITY BENTON STATE AR ZIP 720150000 MORT $14,036.65 BAL $13,973.31 RATE 7.2500 PAI $128.14 CLTV 85.116 MATURITY 121014 FEE 0.5000 LOAN 0000021894985 LAST_NAME BURTON ADDRESS 1600 ELKWOOD DRIVE CITY FULTONDALE STATE AL ZIP 350680000 MORT $12,000.00 BAL $12,000.00 RATE 9.7500 PAI $127.13 CLTV 62.327 MATURITY 121105 FEE 0.5000 LOAN 0000021895099 LAST_NAME WHITLOCK ADDRESS 1301 CLINTON STREET CITY AURORA STATE CO ZIP 800100000 MORT $61,200.00 BAL $61,033.09 RATE 8.6500 PAI $608.06 CLTV 80.000 MATURITY 121014 FEE 0.5000 LOAN 0000021895107 LAST_NAME ZUELA ADDRESS 2076 EDGEGATE DRIVE CITY SAN JOSE STATE CA ZIP 951220000 MORT $180,000.00 BAL $180,000.00 RATE 10.2500 PAI $1,612.98 CLTV 80.000 MATURITY 121101 FEE 0.5000 LOAN 0000021895206 LAST_NAME MARUNGO ADDRESS 354 SOUTH BROADWAY CITY AURORA STATE IL ZIP 605050000 MORT $85,600.00 BAL $85,537.92 RATE 10.9500 PAI $811.96 CLTV 80.000 MATURITY 120912 FEE 0.5000 LOAN 0000021895222 LAST_NAME WILCOX ADDRESS 801 SOUTH BELFAIR ST CITY KENNEWICK STATE WA ZIP 993360000 MORT $48,180.00 BAL $48,180.00 RATE 10.3500 PAI $476.18 CLTV 84.999 MATURITY 171124 FEE 0.5000 LOAN 0000021895248 LAST_NAME DREHER ADDRESS 718 AUDREY LN CITY OXON HILL STATE MD ZIP 207450000 MORT $78,200.00 BAL $78,167.91 RATE 10.3500 PAI $706.57 CLTV 85.000 MATURITY 271006 FEE 0.5000 LOAN 0000021895255 LAST_NAME WOOLEN-HARPE ADDRESS 5203 DEAL DR CITY OXON HILL STATE MD ZIP 207450000 MORT $71,400.00 BAL $71,329.48 RATE 9.5000 PAI $600.37 CLTV 85.000 MATURITY 120909 FEE 0.5000 LOAN 0000021895297 LAST_NAME HOLLAND ADDRESS RT 1 BOX 11C CITY EURE STATE NC ZIP 279350000 MORT $40,250.00 BAL $40,250.00 RATE 9.4000 PAI $335.51 CLTV 70.000 MATURITY 271028 FEE 0.5000 LOAN 0000021895321 LAST_NAME DURRENBURGER ADDRESS 118 JEWETT STREET CITY ELGIN STATE IL ZIP 601230000 MORT $41,500.00 BAL $41,480.25 RATE 12.8500 PAI $454.22 CLTV 48.255 MATURITY 120916 FEE 0.5000 LOAN 0000021895339 LAST_NAME JOHNSON ADDRESS 511 70TH ST CITY SEAT PLEASA STATE MD ZIP 207430000 MORT $88,750.00 BAL $88,688.84 RATE 9.9900 PAI $778.19 CLTV 72.745 MATURITY 270912 FEE 0.5000 LOAN 0000021895404 LAST_NAME TALLEY ADDRESS 311 311 BRYANT STREET NE CITY WASHINGTON STATE DC ZIP 200020000 MORT $34,000.00 BAL $33,909.97 RATE 9.9900 PAI $327.88 CLTV 36.956 MATURITY 170901 FEE 0.5000 LOAN 0000021895461 LAST_NAME FOSTER ADDRESS 1224 EAST AVENUE CITY ELDORADO STATE AR ZIP 717300000 MORT $28,350.00 BAL $28,210.41 RATE 9.8500 PAI $336.36 CLTV 90.000 MATURITY 91017 FEE 0.5000 LOAN 0000021895487 LAST_NAME REYNOLDS ADDRESS 279 GREEN HILL RD CITY MADISON STATE CT ZIP 064430000 MORT $165,000.00 BAL $164,459.24 RATE 8.9500 PAI $1,479.25 CLTV 76.744 MATURITY 170902 FEE 0.5000 LOAN 0000021895495 LAST_NAME SAVAGE ADDRESS 619 BERKLEY DRIVE CITY PENSACOLA STATE FL ZIP 325030000 MORT $14,000.00 BAL $13,969.64 RATE 11.1500 PAI $160.44 CLTV 24.347 MATURITY 121007 FEE 0.5000 LOAN 0000021895503 LAST_NAME MORGAN ADDRESS 38-40 BUTLER AVE CITY BRIDGEPORT STATE CT ZIP 066050000 MORT $68,000.00 BAL $67,918.99 RATE 8.6000 PAI $527.69 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021895545 LAST_NAME WILLIAMS ADDRESS 541 LINCOLN DRIVE CITY ROCKY MOUNT STATE NC ZIP 278010000 MORT $45,050.00 BAL $45,050.00 RATE 10.7500 PAI $614.21 CLTV 85.000 MATURITY 71104 FEE 0.5000 LOAN 0000021895602 LAST_NAME ADKINS ADDRESS 2459 JACKSON ST. SE CITY ALBANY STATE OR ZIP 973210000 MORT $100,000.00 BAL $99,926.26 RATE 9.7000 PAI $855.49 CLTV 75.471 MATURITY 271007 FEE 0.5000 LOAN 0000021895628 LAST_NAME CASEY ADDRESS 54 WOODCREST RD CITY FAIRFIELD STATE CT ZIP 064300000 MORT $195,300.00 BAL $195,083.60 RATE 8.9500 PAI $1,564.41 CLTV 90.000 MATURITY 120904 FEE 0.5000 LOAN 0000021895644 LAST_NAME POLOWITZER ADDRESS 150-154 CHARTER OAK S CITY MANCHESTER STATE CT ZIP 060400000 MORT $83,500.00 BAL $83,402.61 RATE 9.9900 PAI $732.16 CLTV 67.886 MATURITY 270912 FEE 0.5000 LOAN 0000021895651 LAST_NAME STREICH ADDRESS 190 WILLOW AVE CITY CORNWALL STATE NY ZIP 125180000 MORT $85,000.00 BAL $84,916.05 RATE 9.5000 PAI $714.73 CLTV 75.892 MATURITY 120903 FEE 0.5000 LOAN 0000021895669 LAST_NAME COMEAUX ADDRESS 207 PLAINFIELD ST CITY HARTFORD STATE CT ZIP 061120000 MORT $54,400.00 BAL $54,372.96 RATE 9.4500 PAI $455.44 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021895677 LAST_NAME BRICENO ADDRESS 2317 FLORIDA STREET CITY CARLSBAD STATE NM ZIP 882200000 MORT $26,250.00 BAL $26,250.00 RATE 9.0500 PAI $237.03 CLTV 55.614 MATURITY 171014 FEE 0.5000 LOAN 0000021895685 LAST_NAME VALLE ADDRESS 778 NE CHURCH AVENUE CITY ROSEBURG STATE OR ZIP 974700000 MORT $76,000.00 BAL $75,963.39 RATE 9.6000 PAI $644.61 CLTV 84.444 MATURITY 271015 FEE 0.5000 LOAN 0000021895701 LAST_NAME RODRIGUES ADDRESS 58 LAWN AVENUE CITY PAWTUCKET STATE RI ZIP 028600000 MORT $96,000.00 BAL $95,945.25 RATE 8.8500 PAI $762.10 CLTV 80.000 MATURITY 271014 FEE 0.5000 LOAN 0000021895719 LAST_NAME EVANS ADDRESS 6275 SOUTH DUSTY CIRCLE CITY WEST JORDAN STATE UT ZIP 840840000 MORT $97,750.00 BAL $97,699.32 RATE 9.2500 PAI $804.17 CLTV 85.000 MATURITY 121101 FEE 0.5000 LOAN 0000021895784 LAST_NAME BOGGS ADDRESS 43311 N. VINEYARD ROAD CITY QUEEN CREEK STATE AZ ZIP 852420000 MORT $8,000.00 BAL $8,000.00 RATE 9.4000 PAI $103.09 CLTV 61.025 MATURITY 71118 FEE 0.5000 LOAN 0000021895867 LAST_NAME HILLEY ADDRESS 73 CEMETERY DR CITY SECTION STATE AL ZIP 357710000 MORT $30,000.00 BAL $29,624.43 RATE 10.6900 PAI $408.00 CLTV 64.516 MATURITY 70910 FEE 0.5000 LOAN 0000021896006 LAST_NAME LITTLETON ADDRESS 270 ANTIOCH ROAD CITY GOLDSBORO STATE NC ZIP 275340000 MORT $56,800.00 BAL $56,642.99 RATE 8.5000 PAI $559.34 CLTV 80.000 MATURITY 121016 FEE 0.5000 LOAN 0000021896014 LAST_NAME KERR ADDRESS 1639 E 1470 S CITY OGDEN STATE UT ZIP 844040000 MORT $68,850.00 BAL $68,767.19 RATE 9.4500 PAI $576.42 CLTV 85.000 MATURITY 121008 FEE 0.5000 LOAN 0000021896063 LAST_NAME JOHNSON ADDRESS 312 WEST WAYNE STREET CITY BUTLER STATE PA ZIP 160010000 MORT $45,600.00 BAL $45,358.98 RATE 8.6000 PAI $567.82 CLTV 80.000 MATURITY 71015 FEE 0.5000 LOAN 0000021896071 LAST_NAME CLARK ADDRESS 137 DUNLAP ROAD CITY PASADENA STATE MD ZIP 211220000 MORT $65,000.00 BAL $64,935.79 RATE 9.5000 PAI $546.56 CLTV 69.892 MATURITY 270903 FEE 0.5000 LOAN 0000021896089 LAST_NAME ARGUE ADDRESS 2265 MILFORD SQUARE PIKE CITY QUAKERTOWN STATE PA ZIP 189510000 MORT $50,500.00 BAL $50,147.88 RATE 10.5000 PAI $558.23 CLTV 75.402 MATURITY 120829 FEE 0.5000 LOAN 0000021896188 LAST_NAME CUNNINGHAM ADDRESS 142 CUNNINGHAM DR CITY ANNISTON STATE AL ZIP 362010000 MORT $60,000.00 BAL $60,000.00 RATE 8.7000 PAI $469.88 CLTV 54.054 MATURITY 271101 FEE 0.5000 LOAN 0000021896287 LAST_NAME WEEKS ADDRESS 13 E CLINTON AVENUE CITY OAKLYN STATE NJ ZIP 081070000 MORT $75,600.00 BAL $75,600.00 RATE 9.9900 PAI $662.89 CLTV 88.941 MATURITY 271014 FEE 0.5000 LOAN 0000021896329 LAST_NAME BODVAKE ADDRESS 198 GAINESBOROUGH RD CITY HOLBROOK STATE NY ZIP 117410000 MORT $148,500.00 BAL $148,254.30 RATE 8.9900 PAI $1,193.80 CLTV 79.838 MATURITY 120829 FEE 0.5000 LOAN 0000021896337 LAST_NAME SAEIDAH ADDRESS 479 MOUNT STREET CITY RICHMOND STATE CA ZIP 948050000 MORT $55,000.00 BAL $54,844.58 RATE 9.7000 PAI $580.98 CLTV 72.216 MATURITY 121020 FEE 0.5000 LOAN 0000021896352 LAST_NAME LIPFORD ADDRESS 13 PLAINVIEW CITY MCGEHEE STATE AR ZIP 716540000 MORT $78,840.00 BAL $78,698.46 RATE 9.1500 PAI $716.97 CLTV 90.000 MATURITY 171024 FEE 0.5000 LOAN 0000021896360 LAST_NAME ZENO ADDRESS 1100 MIDDLE DR CITY FT. WALTON STATE FL ZIP 325670000 MORT $90,800.00 BAL $90,761.92 RATE 10.2500 PAI $813.66 CLTV 80.000 MATURITY 271006 FEE 0.5000 LOAN 0000021896378 LAST_NAME GORDON ADDRESS 6307 MORTON ST CITY PHILADELPHI STATE PA ZIP 191440000 MORT $57,800.00 BAL $57,744.10 RATE 9.6000 PAI $490.24 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021896386 LAST_NAME THOMPSON ADDRESS 507 LIGHTWOOD ST CITY DURHAM STATE NC ZIP 277030000 MORT $104,000.00 BAL $104,000.00 RATE 10.7500 PAI $1,055.84 CLTV 83.200 MATURITY 171101 FEE 0.5000 LOAN 0000021896402 LAST_NAME SMITH ADDRESS 1305 FOREST LAKE COURT CITY MITCHELLVIL STATE MD ZIP 207210000 MORT $100,000.00 BAL $99,758.72 RATE 10.0000 PAI $1,074.61 CLTV 72.958 MATURITY 121014 FEE 0.5000 LOAN 0000021896469 LAST_NAME PLOWDEN ADDRESS 2831 WINCHESTER ST. CITY BALTIMORE STATE MD ZIP 212160000 MORT $53,550.00 BAL $53,550.00 RATE 10.8500 PAI $503.91 CLTV 85.000 MATURITY 271029 FEE 0.5000 LOAN 0000021896493 LAST_NAME CAPAK ADDRESS 201 AVOCA AVENUE CITY MASSAPEQUA STATE NY ZIP 117620000 MORT $152,000.00 BAL $151,916.79 RATE 8.9900 PAI $1,221.94 CLTV 79.166 MATURITY 271006 FEE 0.5000 LOAN 0000021896543 LAST_NAME HUEREQUE ADDRESS 408 PONDER CITY CARLSBAD STATE NM ZIP 882200000 MORT $44,200.00 BAL $44,200.00 RATE 10.3000 PAI $435.37 CLTV 85.000 MATURITY 171117 FEE 0.5000 LOAN 0000021896618 LAST_NAME SVOREC ADDRESS 5038 WILSON LANE CITY BRIDGEMAN STATE MI ZIP 491060000 MORT $106,240.00 BAL $106,240.00 RATE 8.2000 PAI $1,027.59 CLTV 80.000 MATURITY 121103 FEE 0.5000 LOAN 0000021896634 LAST_NAME JOHNSON ADDRESS 412 WATERCRESS DR CITY ROSSVILLE STATE GA ZIP 307410000 MORT $65,250.00 BAL $65,202.22 RATE 10.9000 PAI $616.47 CLTV 90.000 MATURITY 270912 FEE 0.5000 LOAN 0000021896691 LAST_NAME MENDOZA ADDRESS 31 OSCEOLA STREET CITY DENVER STATE CO ZIP 802190000 MORT $13,000.00 BAL $13,000.00 RATE 10.6500 PAI $144.92 CLTV 79.988 MATURITY 121121 FEE 0.5000 LOAN 0000021896717 LAST_NAME KAGIN ADDRESS 4858 N. IROQUOIS AVENUE CITY GLENDALE STATE WI ZIP 532170000 MORT $11,752.00 BAL $11,752.00 RATE 9.8500 PAI $154.33 CLTV 84.897 MATURITY 71112 FEE 0.5000 LOAN 0000021896725 LAST_NAME JENSEN ADDRESS 858 CALIFORNIA AVENUE CITY WEST COVINA STATE CA ZIP 917900000 MORT $24,000.00 BAL $24,000.00 RATE 10.5000 PAI $323.85 CLTV 83.595 MATURITY 71124 FEE 0.5000 LOAN 0000021896733 LAST_NAME GUTIERREZ ADDRESS 1423 COLT WAY CITY SAN JOSE STATE CA ZIP 951210000 MORT $40,000.00 BAL $40,000.00 RATE 9.7500 PAI $423.75 CLTV 78.780 MATURITY 121124 FEE 0.5000 LOAN 0000021896741 LAST_NAME COLLETT ADDRESS 39 KEVIN'S WAY CITY EASTON STATE MA ZIP 023750000 MORT $32,400.00 BAL $32,320.18 RATE 9.8000 PAI $344.22 CLTV 76.700 MATURITY 120929 FEE 0.5000 LOAN 0000021896774 LAST_NAME EBERHARD ADDRESS 25699 HIGNUTT RD. CITY DENTON STATE MD ZIP 216290000 MORT $82,500.00 BAL $82,481.09 RATE 12.9900 PAI $911.97 CLTV 55.000 MATURITY 121006 FEE 0.5000 LOAN 0000021896782 LAST_NAME SUTTON ADDRESS 8177 WHITE LICK RD CITY CORYDON STATE KY ZIP 424060000 MORT $89,250.00 BAL $89,010.88 RATE 9.9000 PAI $855.38 CLTV 85.000 MATURITY 170915 FEE 0.5000 LOAN 0000021896790 LAST_NAME ASH ADDRESS 403 W 24TH STREET CITY WILMINGTON STATE DE ZIP 198020000 MORT $54,400.00 BAL $54,118.72 RATE 8.9900 PAI $688.82 CLTV 80.000 MATURITY 70911 FEE 0.5000 LOAN 0000021896840 LAST_NAME GREENE ADDRESS 936 MARYLAND AVE CITY NEW CASTLE STATE PA ZIP 161010000 MORT $22,875.00 BAL $22,649.45 RATE 9.9000 PAI $301.03 CLTV 75.000 MATURITY 70915 FEE 0.5000 LOAN 0000021896923 LAST_NAME HIRSCH ADDRESS 5840 INDIAN TRAIL CITY KEYSTONE HE STATE FL ZIP 326560000 MORT $54,400.00 BAL $54,335.47 RATE 10.8000 PAI $554.13 CLTV 87.741 MATURITY 171014 FEE 0.5000 LOAN 0000021896931 LAST_NAME MACLENNAN ADDRESS 44 W 1ST ST CITY FREEPORT STATE NY ZIP 115200000 MORT $133,000.00 BAL $132,568.88 RATE 8.4000 PAI $1,145.81 CLTV 63.333 MATURITY 170917 FEE 0.5000 LOAN 0000021896949 LAST_NAME MARSHALL ADDRESS 20802 SEVERN ROAD CITY SMITH ISLAN STATE MD ZIP 218240000 MORT $25,500.00 BAL $25,311.15 RATE 9.8500 PAI $271.69 CLTV 62.195 MATURITY 120904 FEE 0.5000 LOAN 0000021896972 LAST_NAME BEENE ADDRESS 7851 NW 70TH AVENUE CITY FARIBAULT STATE MN ZIP 550210000 MORT $20,000.00 BAL $20,000.00 RATE 9.7500 PAI $261.55 CLTV 76.246 MATURITY 71121 FEE 0.5000 LOAN 0000021896980 LAST_NAME HAWES ADDRESS 17042 S. 92ND AVENUE CITY ORLAND HILL STATE IL ZIP 604770000 MORT $25,000.00 BAL $25,000.00 RATE 10.5000 PAI $276.35 CLTV 83.046 MATURITY 121124 FEE 0.5000 LOAN 0000021896998 LAST_NAME TOMLINSON ADDRESS 134 WILLIAM ST CITY ENGLEWOOD STATE NJ ZIP 076310000 MORT $132,000.00 BAL $131,882.47 RATE 9.9900 PAI $1,157.42 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021897020 LAST_NAME MCNAMARA ADDRESS 110 DUNDEE DRIVE CITY BRIDGEWATER STATE MA ZIP 023240000 MORT $129,600.00 BAL $129,533.51 RATE 9.3000 PAI $1,070.89 CLTV 80.000 MATURITY 271001 FEE 0.5000 LOAN 0000021897053 LAST_NAME KONADU ADDRESS 51 FRANKLIN TERRACE CITY IRVINGTON STATE NJ ZIP 071110000 MORT $97,600.00 BAL $97,529.92 RATE 10.9900 PAI $928.73 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021897079 LAST_NAME HAYNES ADDRESS 662 W JACKSON ST CITY PAINESVILLE STATE OH ZIP 440770000 MORT $65,600.00 BAL $65,402.57 RATE 8.9900 PAI $589.80 CLTV 80.000 MATURITY 170830 FEE 0.5000 LOAN 0000021897111 LAST_NAME MYERS ADDRESS 313 HENRY SMITH ROAD CITY HILLIARD STATE FL ZIP 320460000 MORT $30,000.00 BAL $29,695.41 RATE 9.0500 PAI $380.84 CLTV 37.500 MATURITY 71021 FEE 0.5000 LOAN 0000021897236 LAST_NAME RILEY ADDRESS 6577 SOUTH FORDNEY CITY TOWNSHIP OF STATE MI ZIP 486550000 MORT $59,000.00 BAL $58,681.08 RATE 8.2000 PAI $722.09 CLTV 62.765 MATURITY 71016 FEE 0.5000 LOAN 0000021897277 LAST_NAME WHITMORE ADDRESS 6217 NC HIGHWAY 96 WEST CITY YOUNGSVILLE STATE NC ZIP 275960000 MORT $44,000.00 BAL $44,000.00 RATE 9.4000 PAI $566.94 CLTV 55.000 MATURITY 71104 FEE 0.5000 LOAN 0000021897285 LAST_NAME EDWARDS ADDRESS 8084 ISLAND POINT ROAD CITY SHERRILS FO STATE NC ZIP 286730000 MORT $65,000.00 BAL $65,000.00 RATE 9.9500 PAI $625.12 CLTV 89.903 MATURITY 171104 FEE 0.5000 LOAN 0000021897319 LAST_NAME JENNINGS ADDRESS 853 YORKLYN ROAD CITY HOCKESSIN STATE DE ZIP 197070000 MORT $174,800.00 BAL $174,618.06 RATE 9.2500 PAI $1,438.04 CLTV 79.454 MATURITY 120829 FEE 0.5000 LOAN 0000021897327 LAST_NAME WEAVER ADDRESS 111 HANOVER ST CITY NEW OXFORD STATE PA ZIP 173500000 MORT $80,000.00 BAL $79,936.14 RATE 10.5000 PAI $731.79 CLTV 80.000 MATURITY 270915 FEE 0.5000 LOAN 0000021897400 LAST_NAME PODOBNIK ADDRESS 1219 COBBLEWOOD DRIVE CITY BETHEL PARK STATE PA ZIP 151020000 MORT $90,000.00 BAL $90,000.00 RATE 8.8000 PAI $1,130.37 CLTV 66.666 MATURITY 71106 FEE 0.5000 LOAN 0000021897434 LAST_NAME GARCIA ADDRESS 2461 EPPINGER BOULEVARD CITY THORNTON STATE CO ZIP 802290000 MORT $45,500.00 BAL $45,461.67 RATE 10.2500 PAI $407.73 CLTV 51.123 MATURITY 120903 FEE 0.5000 LOAN 0000021897442 LAST_NAME MYERS ADDRESS 21485 DREXEL STREET CITY CLINTON TOW STATE MI ZIP 480360000 MORT $80,000.00 BAL $80,000.00 RATE 8.7000 PAI $704.42 CLTV 78.431 MATURITY 171110 FEE 0.5000 LOAN 0000021897491 LAST_NAME ORTIZ ADDRESS 440 SW 4 AVENUE CITY BOYNTON BEA STATE FL ZIP 334350000 MORT $20,000.00 BAL $20,000.00 RATE 9.3000 PAI $418.09 CLTV 73.458 MATURITY 21124 FEE 0.5000 LOAN 0000021897509 LAST_NAME COX ADDRESS 208 W RITTER ST CITY SEVEN MILE STATE OH ZIP 450620000 MORT $90,000.00 BAL $89,909.96 RATE 11.3500 PAI $880.98 CLTV 90.000 MATURITY 270819 FEE 0.5000 LOAN 0000021897541 LAST_NAME SROCK ADDRESS 905 INDIAN TRAIL CITY AKRON STATE OH ZIP 443140000 MORT $41,300.00 BAL $41,090.36 RATE 9.4900 PAI $431.02 CLTV 70.000 MATURITY 120904 FEE 0.5000 LOAN 0000021897558 LAST_NAME MARTINAC ADDRESS 35 NORTH READ AVENUE CITY RUNNEMEDE STATE NJ ZIP 080780000 MORT $81,800.00 BAL $81,800.00 RATE 9.5000 PAI $687.82 CLTV 87.956 MATURITY 271119 FEE 0.5000 LOAN 0000021897574 LAST_NAME SROCK ADDRESS 2314 17TH STREET SW CITY AKRON STATE OH ZIP 443140000 MORT $40,950.00 BAL $40,742.14 RATE 9.4900 PAI $427.37 CLTV 70.000 MATURITY 120904 FEE 0.5000 LOAN 0000021897624 LAST_NAME MAHONE ADDRESS 12017 ANGELUS AVE CITY CLEVELAND STATE OH ZIP 441050000 MORT $21,500.00 BAL $21,328.11 RATE 8.9900 PAI $217.94 CLTV 48.863 MATURITY 120908 FEE 0.5000 LOAN 0000021897665 LAST_NAME WHITESEL ADDRESS 10567 FARMERSVILLE-W.CARR CITY GERMANTOWN STATE OH ZIP 452370000 MORT $103,500.00 BAL $103,425.68 RATE 10.9900 PAI $984.88 CLTV 90.000 MATURITY 120904 FEE 0.5000 LOAN 0000021897699 LAST_NAME CLARK ADDRESS 2106 HEPHZIBAN CHURCH RD CITY BESSEMER CI STATE NC ZIP 280160000 MORT $40,500.00 BAL $40,275.31 RATE 8.5000 PAI $398.82 CLTV 52.258 MATURITY 120908 FEE 0.5000 LOAN 0000021897715 LAST_NAME SOLIS ADDRESS 4517 TENNESSEE WAY CITY FT MYERS STATE FL ZIP 339050000 MORT $54,000.00 BAL $53,956.79 RATE 10.4900 PAI $493.56 CLTV 83.076 MATURITY 270909 FEE 0.5000 LOAN 0000021897749 LAST_NAME SINGLETON ADDRESS 490 LUELLA AVENUE CITY CALUMET CIT STATE IL ZIP 604090000 MORT $99,000.00 BAL $99,000.00 RATE 8.8500 PAI $785.92 CLTV 76.153 MATURITY 121028 FEE 0.5000 LOAN 0000021897756 LAST_NAME CORBETT ADDRESS 3310 PARKWOOD CITY TOLEDO STATE OH ZIP 436100000 MORT $29,600.00 BAL $29,578.74 RATE 10.9900 PAI $281.67 CLTV 80.000 MATURITY 270903 FEE 0.5000 LOAN 0000021897764 LAST_NAME NORTH ADDRESS 271 E CENTRE ST CITY GERMANTOWN STATE OH ZIP 453270000 MORT $80,000.00 BAL $79,867.62 RATE 8.9900 PAI $643.13 CLTV 80.000 MATURITY 120818 FEE 0.5000 LOAN 0000021897772 LAST_NAME FEWQUAY ADDRESS 12740 W RANDALL PARK DR CITY N MIAMI STATE FL ZIP 331670000 MORT $54,000.00 BAL $53,960.36 RATE 10.8900 PAI $509.78 CLTV 72.000 MATURITY 270908 FEE 0.5000 LOAN 0000021897855 LAST_NAME STINER ADDRESS 2609 W SYCAMORE CITY KOKOMO STATE IN ZIP 469010000 MORT $55,800.00 BAL $55,753.00 RATE 10.2500 PAI $500.03 CLTV 90.000 MATURITY 120902 FEE 0.5000 LOAN 0000021897889 LAST_NAME JOHNSON ADDRESS 615 NW 195TH TERR CITY MIAMI STATE FL ZIP 331690000 MORT $94,500.00 BAL $94,221.75 RATE 10.4900 PAI $863.73 CLTV 90.000 MATURITY 270916 FEE 0.5000 LOAN 0000021897905 LAST_NAME LEHANE ADDRESS 201 S ARLINGTON AVE CITY INDIANAPOLI STATE IN ZIP 462190000 MORT $34,100.00 BAL $33,994.21 RATE 8.7500 PAI $301.35 CLTV 55.000 MATURITY 170904 FEE 0.5000 LOAN 0000021897954 LAST_NAME LEE ADDRESS ROUTE 5, BOX 371 CITY FAYETTEVILL STATE NC ZIP 283010000 MORT $30,250.00 BAL $30,076.11 RATE 8.1000 PAI $290.84 CLTV 61.734 MATURITY 120902 FEE 0.5000 LOAN 0000021897962 LAST_NAME BURRIS ADDRESS 1684 THORN RIDGE DRIVE CITY NEWTON STATE NC ZIP 286580000 MORT $62,300.00 BAL $62,213.04 RATE 9.5500 PAI $582.76 CLTV 79.974 MATURITY 171022 FEE 0.5000 LOAN 0000021897970 LAST_NAME CLAXTON ADDRESS 1142 GARFIELD COURT N.W. CITY GRAND RAPID STATE MI ZIP 495440000 MORT $91,300.00 BAL $90,776.67 RATE 8.1500 PAI $679.50 CLTV 74.227 MATURITY 271001 FEE 0.5000 LOAN 0000021898044 LAST_NAME KELSCH ADDRESS 5135 CLEVES WARSAW CITY CINCINNATI STATE OH ZIP 452380000 MORT $88,800.00 BAL $88,702.42 RATE 8.9900 PAI $713.87 CLTV 80.000 MATURITY 120902 FEE 0.5000 LOAN 0000021898119 LAST_NAME INGMIRE ADDRESS 272 E CENTRAL AVE CITY DELAWARE STATE OH ZIP 430150000 MORT $56,800.00 BAL $56,737.05 RATE 8.9500 PAI $454.99 CLTV 80.000 MATURITY 270902 FEE 0.5000 LOAN 0000021898135 LAST_NAME CUSTODIO ADDRESS 2688 CRESTON AVENUE CITY BRONX STATE NY ZIP 104680000 MORT $90,000.00 BAL $89,860.91 RATE 8.7500 PAI $795.34 CLTV 60.810 MATURITY 171006 FEE 0.5000 LOAN 0000021898143 LAST_NAME FISHER ADDRESS 2584 HIAWATHA ST CITY COLUMBUS STATE OH ZIP 432110000 MORT $43,300.00 BAL $43,258.56 RATE 9.6500 PAI $368.84 CLTV 70.983 MATURITY 120903 FEE 0.5000 LOAN 0000021898226 LAST_NAME SOBH ADDRESS 6315 WILLIAMSON CITY DEARBORN STATE MI ZIP 481280000 MORT $89,600.00 BAL $89,488.79 RATE 8.4000 PAI $682.61 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021898275 LAST_NAME GREENWOOD ADDRESS 5932 MCNAIR RD CITY CHARLOTTE STATE NC ZIP 282120000 MORT $95,200.00 BAL $95,084.23 RATE 8.5000 PAI $732.01 CLTV 80.000 MATURITY 270916 FEE 0.5000 LOAN 0000021898309 LAST_NAME WOECKENER ADDRESS 852 2ND AVENUE W. CITY ANDALUSIA STATE IL ZIP 612320000 MORT $64,000.00 BAL $63,826.80 RATE 8.7500 PAI $639.65 CLTV 80.000 MATURITY 121101 FEE 0.5000 LOAN 0000021898358 LAST_NAME WRIGHT ADDRESS 2410 REISTERSTOWN ROAD CITY BALTIMORE STATE MD ZIP 212170000 MORT $35,000.00 BAL $34,910.63 RATE 9.4500 PAI $364.42 CLTV 56.451 MATURITY 121006 FEE 0.5000 LOAN 0000021898424 LAST_NAME HOWARD ADDRESS 1624 67TH AVE CITY PHILADELPHI STATE PA ZIP 191260000 MORT $53,100.00 BAL $52,977.98 RATE 10.4900 PAI $485.33 CLTV 90.000 MATURITY 271001 FEE 0.5000 LOAN 0000021898457 LAST_NAME HOLSOMBECK ADDRESS 408 ARROSSER DRIVE CITY SARALAND STATE AL ZIP 365710000 MORT $77,400.00 BAL $77,349.62 RATE 11.4400 PAI $762.94 CLTV 90.000 MATURITY 120915 FEE 0.5000 LOAN 0000021898507 LAST_NAME HARDWICK ADDRESS 1568 COVERED BRIDGE RD CITY CINCINNATI STATE OH ZIP 452310000 MORT $148,750.00 BAL $148,540.08 RATE 9.7500 PAI $1,278.00 CLTV 85.000 MATURITY 120825 FEE 0.5000 LOAN 0000021898549 LAST_NAME SHORT ADDRESS 440 WASHINGTON ST CITY WOOSTER STATE OH ZIP 446910000 MORT $65,700.00 BAL $65,625.93 RATE 10.8000 PAI $615.77 CLTV 90.000 MATURITY 270902 FEE 0.5000 LOAN 0000021898564 LAST_NAME MEADOWS ADDRESS 471 BEECHWOOD DRIVE CITY AKRON STATE OH ZIP 443200000 MORT $34,600.00 BAL $34,572.08 RATE 10.4500 PAI $315.21 CLTV 69.898 MATURITY 120909 FEE 0.5000 LOAN 0000021898572 LAST_NAME MOSELEY ADDRESS 609 VERNON ST. CITY NETHER PROV STATE PA ZIP 190630000 MORT $51,000.00 BAL $51,000.00 RATE 8.5500 PAI $393.96 CLTV 56.043 MATURITY 271008 FEE 0.5000 LOAN 0000021898580 LAST_NAME NORMAND ADDRESS 9544 LAWYERS ROAD CITY SPOTSYLVANI STATE VA ZIP 225530000 MORT $43,634.00 BAL $43,634.00 RATE 8.7000 PAI $434.82 CLTV 58.178 MATURITY 121126 FEE 0.5000 LOAN 0000021898630 LAST_NAME COMPTON ADDRESS 22 W 330 2ND STREET CITY GLEN ELLYN STATE IL ZIP 601370000 MORT $25,852.00 BAL $25,852.00 RATE 9.7000 PAI $273.09 CLTV 90.000 MATURITY 121030 FEE 0.5000 LOAN 0000021898655 LAST_NAME FORD ADDRESS 1320 LAKESIDE AVE. CITY BALTIMORE STATE MD ZIP 212180000 MORT $99,900.00 BAL $99,864.30 RATE 10.9900 PAI $950.62 CLTV 90.000 MATURITY 271003 FEE 0.5000 LOAN 0000021898747 LAST_NAME DE HOYOS ADDRESS 906 HANK AVENUE CITY ARTESIA STATE NM ZIP 882100000 MORT $37,500.00 BAL $37,445.26 RATE 9.2000 PAI $342.24 CLTV 79.787 MATURITY 171001 FEE 0.5000 LOAN 0000021898796 LAST_NAME CASTLE ADDRESS 307 N EAST ST CITY ARCADIA STATE IN ZIP 460300000 MORT $36,000.00 BAL $35,776.41 RATE 8.4000 PAI $352.40 CLTV 62.068 MATURITY 120908 FEE 0.5000 LOAN 0000021898804 LAST_NAME STEINMEYER I ADDRESS 32-B GORDON RD CITY PINNACLE STATE NC ZIP 270430000 MORT $54,400.00 BAL $54,335.97 RATE 10.6000 PAI $501.69 CLTV 80.000 MATURITY 120815 FEE 0.5000 LOAN 0000021898846 LAST_NAME SCHREIER ADDRESS 7711 BLOOMFIELD DRIVE CITY PORT RICHEY STATE FL ZIP 346680000 MORT $30,000.00 BAL $30,000.00 RATE 8.7000 PAI $298.95 CLTV 65.217 MATURITY 121113 FEE 0.5000 LOAN 0000021898853 LAST_NAME HOLMES ADDRESS 1309 CARVER PL CITY HAMILTON STATE OH ZIP 450110000 MORT $48,000.00 BAL $47,907.19 RATE 8.2500 PAI $360.61 CLTV 80.000 MATURITY 270829 FEE 0.5000 LOAN 0000021898911 LAST_NAME MCPHAUL ADDRESS 9200 SHADOWOOD LN CITY CHARLOTTE STATE NC ZIP 282730000 MORT $40,300.00 BAL $40,184.11 RATE 9.3500 PAI $371.72 CLTV 74.629 MATURITY 170829 FEE 0.5000 LOAN 0000021898945 LAST_NAME DAVIS ADDRESS 3607 ALEXANDER DRIVE CITY LAGRANGE STATE KY ZIP 400310000 MORT $180,000.00 BAL $180,000.00 RATE 8.2000 PAI $1,345.96 CLTV 80.000 MATURITY 121110 FEE 0.5000 LOAN 0000021898978 LAST_NAME CHARLES ADDRESS 33 MANOR PARKWAY CITY TOWN OF HEM STATE NY ZIP 115530000 MORT $28,700.00 BAL $28,700.00 RATE 10.1500 PAI $381.67 CLTV 84.170 MATURITY 71124 FEE 0.5000 LOAN 0000021898994 LAST_NAME ALSTON ADDRESS 136 GRANDVIEW AVENUE CITY STATEN ISLA STATE NY ZIP 103030000 MORT $75,000.00 BAL $74,886.72 RATE 10.8000 PAI $702.94 CLTV 62.500 MATURITY 120709 FEE 0.5000 LOAN 0000021899000 LAST_NAME COATS ADDRESS 7440 FAIRWAY CIRCLE WEST CITY INDIANAPOLI STATE IN ZIP 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$60,672.35 RATE 8.9900 PAI $488.78 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021899158 LAST_NAME WASHEK ADDRESS 113 CHARTERWOOD DRIVE CITY PITTSBURGH STATE PA ZIP 152370000 MORT $90,000.00 BAL $89,947.13 RATE 8.6500 PAI $701.62 CLTV 62.068 MATURITY 121027 FEE 0.5000 LOAN 0000021899174 LAST_NAME MICHAEL ADDRESS 9959 WEST 189 NORTH CITY CONVERSE STATE IN ZIP 469190000 MORT $44,000.00 BAL $44,000.00 RATE 9.9000 PAI $382.89 CLTV 80.000 MATURITY 271021 FEE 0.5000 LOAN 0000021899182 LAST_NAME NOBLE ADDRESS 12411 S UNION AVENUE CITY CHICAGO STATE IL ZIP 606280000 MORT $49,600.00 BAL $49,600.00 RATE 9.4000 PAI $514.95 CLTV 76.307 MATURITY 121027 FEE 0.5000 LOAN 0000021899224 LAST_NAME RILEY ADDRESS 2212 PLAZA DRIVE CITY CHALMETTE STATE LA ZIP 700430000 MORT $31,000.00 BAL $30,903.62 RATE 8.0000 PAI $296.26 CLTV 43.971 MATURITY 121101 FEE 0.5000 LOAN 0000021899323 LAST_NAME BUTCHER ADDRESS 817 LELANO AVENUE CITY SOUTH BEND STATE IN ZIP 466160000 MORT $67,150.00 BAL $67,117.66 RATE 9.6000 PAI $569.54 CLTV 85.000 MATURITY 121101 FEE 0.5000 LOAN 0000021899331 LAST_NAME GOLDEN ADDRESS 12049 134TH PLACE NORTH CITY LARGO STATE FL ZIP 337740000 MORT $36,000.00 BAL $36,000.00 RATE 9.2000 PAI $294.86 CLTV 72.000 MATURITY 271027 FEE 0.5000 LOAN 0000021899356 LAST_NAME COHEN ADDRESS 10 VALLEYBROOK DRIVE CITY EMERSON BOR STATE NJ ZIP 076300000 MORT $199,700.00 BAL $199,201.82 RATE 10.4500 PAI $1,987.06 CLTV 84.978 MATURITY 170924 FEE 0.5000 LOAN 0000021899380 LAST_NAME O'DANIEL ADDRESS 1556 WATERSIDE DRIVE CITY CHESAPEAKE STATE VA ZIP 233200000 MORT $44,285.00 BAL $44,176.68 RATE 9.8500 PAI $471.83 CLTV 79.998 MATURITY 120930 FEE 0.5000 LOAN 0000021899398 LAST_NAME ELSEY-JOHNSO ADDRESS 312 ADAMS AVENUE CITY WOODBINE BO STATE NJ ZIP 082700000 MORT $76,000.00 BAL $75,808.92 RATE 9.5500 PAI $795.91 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021899414 LAST_NAME DIXON ADDRESS 1922 E KANSAS CITY SPRINGFIELD STATE IL ZIP 627030000 MORT $18,000.00 BAL $17,956.37 RATE 9.9500 PAI $192.88 CLTV 90.000 MATURITY 121028 FEE 0.5000 LOAN 0000021899448 LAST_NAME HANK ADDRESS 608 CHESTNUT STREET CITY BANGOR STATE PA ZIP 180130000 MORT $68,850.00 BAL $68,850.00 RATE 9.4000 PAI $573.92 CLTV 85.000 MATURITY 121103 FEE 0.5000 LOAN 0000021899521 LAST_NAME CRAGO ADDRESS 725 COUNTRY CLUB LANE CITY ANDERSON STATE IN ZIP 460110000 MORT $60,000.00 BAL $59,951.29 RATE 8.6000 PAI $465.61 CLTV 80.000 MATURITY 271022 FEE 0.5000 LOAN 0000021899554 LAST_NAME CAPERS ADDRESS 49 SCHOOL STREET CITY PISCATAWAY STATE NJ ZIP 088540000 MORT $159,200.00 BAL $159,154.34 RATE 11.9900 PAI $1,636.33 CLTV 80.000 MATURITY 120925 FEE 0.5000 LOAN 0000021899588 LAST_NAME COPELAN ADDRESS 1701 N OLA ROAD CITY MCDONOUGH STATE GA ZIP 302530000 MORT $59,300.00 BAL $59,151.59 RATE 9.6000 PAI $622.81 CLTV 77.965 MATURITY 121006 FEE 0.5000 LOAN 0000021899596 LAST_NAME MAYCOTT ADDRESS 412 SLOAN AVENUE CITY COLLINGSWOO STATE NJ ZIP 081070000 MORT $142,200.00 BAL $141,840.61 RATE 10.3500 PAI $1,405.40 CLTV 90.000 MATURITY 170924 FEE 0.5000 LOAN 0000021899703 LAST_NAME HYATT ADDRESS 2539 OLD MILL ROAD CITY HIGH POINT STATE NC ZIP 272650000 MORT $89,000.00 BAL $88,942.33 RATE 9.2000 PAI $728.96 CLTV 72.950 MATURITY 121029 FEE 0.5000 LOAN 0000021899711 LAST_NAME GOWDY ADDRESS 520 SOUTH PITNEY ROAD CITY GALLOWAY TO STATE NJ ZIP 082010000 MORT $144,200.00 BAL $143,724.65 RATE 9.9000 PAI $1,540.77 CLTV 77.945 MATURITY 121001 FEE 0.5000 LOAN 0000021899737 LAST_NAME TALLIA ADDRESS 194 WEST ALLENDALE AVENUE CITY BOROUGH OF STATE NJ ZIP 074010000 MORT $224,000.00 BAL $223,800.55 RATE 9.9900 PAI $1,964.11 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021899745 LAST_NAME JOHNSON ADDRESS 29 WEBSTER STREET CITY IRVINGTON T STATE NJ ZIP 071110000 MORT $144,000.00 BAL $143,826.94 RATE 10.7000 PAI $1,457.06 CLTV 77.837 MATURITY 170922 FEE 0.5000 LOAN 0000021899752 LAST_NAME BUSH ADDRESS 16408 VFW ROAD CITY PEKIN STATE IL ZIP 615540000 MORT $52,200.00 BAL $52,177.63 RATE 10.1500 PAI $463.89 CLTV 90.000 MATURITY 271022 FEE 0.5000 LOAN 0000021899778 LAST_NAME HOUSEWORTH ADDRESS 520 SHAVER DRIVE CITY FLORENCE TO STATE NJ ZIP 085180000 MORT $160,000.00 BAL $159,940.41 RATE 10.8000 PAI $1,499.59 CLTV 80.000 MATURITY 120923 FEE 0.5000 LOAN 0000021899851 LAST_NAME KINCAID ADDRESS 637 MEADOWBROOK ROAD CITY RICHMOND STATE KY ZIP 404750000 MORT $56,000.00 BAL $55,846.58 RATE 8.6000 PAI $554.75 CLTV 78.873 MATURITY 121020 FEE 0.5000 LOAN 0000021899927 LAST_NAME BASTEDO ADDRESS 382 CAMPUS ROAD CITY TOWN OF HEM STATE NY ZIP 110100000 MORT $30,000.00 BAL $29,925.94 RATE 9.7500 PAI $317.81 CLTV 74.145 MATURITY 121104 FEE 0.5000 LOAN 0000021900014 LAST_NAME BESSELL ADDRESS 36 PATCHOGUE AVENUE CITY BROOKHAVEN STATE NY ZIP 119500000 MORT $70,000.00 BAL $69,883.22 RATE 8.9500 PAI $560.72 CLTV 62.500 MATURITY 120827 FEE 0.5000 LOAN 0000021900048 LAST_NAME HORTON ADDRESS 31 BALDWIN ROAD CITY DECATUR STATE AL ZIP 356030000 MORT $59,400.00 BAL $59,370.79 RATE 12.7000 PAI $643.18 CLTV 90.000 MATURITY 270912 FEE 0.5000 LOAN 0000021900055 LAST_NAME ROSNER ADDRESS 2130 MAIN STREET CITY SPEEDWAY STATE IN ZIP 462240000 MORT $117,000.00 BAL $116,844.92 RATE 9.9500 PAI $1,125.21 CLTV 84.782 MATURITY 171027 FEE 0.5000 LOAN 0000021900121 LAST_NAME CASTILLO ADDRESS 506 S MAIN ST CITY WILMINGTON STATE IL ZIP 604810000 MORT $58,000.00 BAL $57,846.72 RATE 9.0000 PAI $588.28 CLTV 67.441 MATURITY 121029 FEE 0.5000 LOAN 0000021900196 LAST_NAME DOLAN ADDRESS 12107 SE CARLTON STREET CITY PORTLAND STATE OR ZIP 972660000 MORT $80,000.00 BAL $79,954.91 RATE 8.8500 PAI $635.09 CLTV 65.573 MATURITY 271010 FEE 0.5000 LOAN 0000021900238 LAST_NAME MERRITT ADDRESS 2507 32ND AVENUE CITY ROCK ISLAND STATE IL ZIP 612010000 MORT $40,000.00 BAL $39,892.85 RATE 8.8500 PAI $402.15 CLTV 68.376 MATURITY 121015 FEE 0.5000 LOAN 0000021900253 LAST_NAME WRIGHT ADDRESS 183 PERRY AVENUE CITY MOORESTOWN STATE NJ ZIP 080570000 MORT $120,000.00 BAL $119,888.23 RATE 8.5500 PAI $926.95 CLTV 76.923 MATURITY 271008 FEE 0.5000 LOAN 0000021900279 LAST_NAME SCHRECK ADDRESS 3201 BROYHILL CIRCLE CITY RALEIGH STATE NC ZIP 276040000 MORT $40,000.00 BAL $40,000.00 RATE 9.7500 PAI $423.75 CLTV 79.511 MATURITY 121110 FEE 0.5000 LOAN 0000021900295 LAST_NAME HILL ADDRESS 1141 HUNTSMOOR DRIVE CITY GASTONIA STATE NC ZIP 280540000 MORT $78,000.00 BAL $77,650.49 RATE 10.8500 PAI $879.22 CLTV 74.285 MATURITY 120910 FEE 0.5000 LOAN 0000021900303 LAST_NAME TOULSON ADDRESS 3625 CAMINO REAL DRIVE CITY CREEDMOOR STATE NC ZIP 275220000 MORT $72,000.00 BAL $72,000.00 RATE 10.1000 PAI $699.59 CLTV 90.000 MATURITY 171101 FEE 0.5000 LOAN 0000021900394 LAST_NAME CASANOVA ADDRESS 17 SPRING DRIVE CITY MELVILLE STATE NY ZIP 117470000 MORT $197,650.00 BAL $197,424.75 RATE 10.7500 PAI $1,845.03 CLTV 88.771 MATURITY 270801 FEE 0.5000 LOAN 0000021900410 LAST_NAME PERONE ADDRESS 575 FOURTEENTH STREET CITY HAMMONTON STATE NJ ZIP 080370000 MORT $22,000.00 BAL $22,000.00 RATE 10.0000 PAI $290.74 CLTV 76.339 MATURITY 71112 FEE 0.5000 LOAN 0000021900428 LAST_NAME SHIRCLIFF ADDRESS 9056 RUNNYMEADE ROAD CITY JACKSONVILL STATE FL ZIP 322570000 MORT $77,600.00 BAL $77,208.34 RATE 8.4000 PAI $668.53 CLTV 80.000 MATURITY 170825 FEE 0.5000 LOAN 0000021900451 LAST_NAME GLYNN ADDRESS 279 OAK DR SE CITY ATLANTA STATE GA ZIP 303540000 MORT $49,600.00 BAL $49,542.62 RATE 10.9900 PAI $511.63 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021900501 LAST_NAME DWYER ADDRESS 7771 OCEAN DRIVE CITY AVALON STATE NJ ZIP 082020000 MORT $120,000.00 BAL $119,780.36 RATE 8.5000 PAI $922.70 CLTV 78.947 MATURITY 270829 FEE 0.5000 LOAN 0000021900543 LAST_NAME HECK ADDRESS 5351 GENESEE STREET CITY LANCASTER STATE NY ZIP 140260000 MORT $85,500.00 BAL $85,438.74 RATE 11.0000 PAI $814.24 CLTV 90.000 MATURITY 270901 FEE 0.5000 LOAN 0000021900568 LAST_NAME PROVANZANO ADDRESS 1534 MAYFLOWER AVENUE CITY BRONX STATE NY ZIP 104650000 MORT $159,300.00 BAL $159,118.89 RATE 12.2500 PAI $1,669.30 CLTV 90.000 MATURITY 121007 FEE 0.5000 LOAN 0000021900584 LAST_NAME HENDERSON ADDRESS RT. BOX 2170 HWY-14 CITY LAURENS STATE SC ZIP 293600000 MORT $54,200.00 BAL $54,054.78 RATE 9.9000 PAI $519.46 CLTV 79.705 MATURITY 170909 FEE 0.5000 LOAN 0000021900592 LAST_NAME SCHNAIBLE ADDRESS 28239 NE 146TH STREET CITY DUVALL STATE WA ZIP 980190000 MORT $26,000.00 BAL $26,000.00 RATE 9.8500 PAI $277.02 CLTV 69.462 MATURITY 121118 FEE 0.5000 LOAN 0000021900675 LAST_NAME WUTZ ADDRESS 47 ELIZABETH AVENUE CITY HAMBURG STATE NY ZIP 140750000 MORT $70,000.00 BAL $69,906.13 RATE 9.9900 PAI $613.78 CLTV 66.666 MATURITY 121001 FEE 0.5000 LOAN 0000021900733 LAST_NAME JOHNSTON ADDRESS 1677 TURK HILL ROAD CITY PERINTON STATE NY ZIP 144500000 MORT $166,500.00 BAL $166,367.10 RATE 10.5000 PAI $1,523.04 CLTV 90.000 MATURITY 120901 FEE 0.5000 LOAN 0000021900741 LAST_NAME JOINER-LUNDY ADDRESS 11810 LUSBYS LN CITY BRANDYWINE STATE MD ZIP 206130000 MORT $136,000.00 BAL $136,000.00 RATE 10.9000 PAI $1,284.89 CLTV 85.000 MATURITY 121003 FEE 0.5000 LOAN 0000021900782 LAST_NAME DOVEY ADDRESS 165 HUNT ROAD CITY EAST HEMPST STATE NH ZIP 038260000 MORT $148,800.00 BAL $148,104.96 RATE 10.4000 PAI $1,635.62 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021900808 LAST_NAME HAQ ADDRESS 14 ALTON WAY CITY BURLINGTON STATE NJ ZIP 080160000 MORT $110,000.00 BAL $109,844.28 RATE 8.1000 PAI $814.82 CLTV 77.192 MATURITY 271023 FEE 0.5000 LOAN 0000021900840 LAST_NAME CHANEY ADDRESS RT 2 BOX 2029 CITY BELL STATE FL ZIP 326190000 MORT $45,600.00 BAL $45,544.83 RATE 10.6500 PAI $459.87 CLTV 86.037 MATURITY 171022 FEE 0.5000 LOAN 0000021900899 LAST_NAME MELLO ADDRESS 42 FRANKLIN STREET CITY EAST PROVID STATE RI ZIP 029150000 MORT $88,000.00 BAL $88,000.00 RATE 8.3500 PAI $667.32 CLTV 73.949 MATURITY 121117 FEE 0.5000 LOAN 0000021900931 LAST_NAME MCCANN ADDRESS 24 S WIND DRIVE CITY PLYMOUTH STATE MA ZIP 023600000 MORT $85,995.00 BAL $85,857.85 RATE 8.5000 PAI $746.28 CLTV 69.914 MATURITY 171017 FEE 0.5000 LOAN 0000021900956 LAST_NAME TATE ADDRESS 9743 S INDIANA CITY CHICAGO STATE IL ZIP 606000000 MORT $94,500.00 BAL $94,500.00 RATE 8.8500 PAI $750.20 CLTV 78.750 MATURITY 121110 FEE 0.5000 LOAN 0000021900998 LAST_NAME SHARP ADDRESS 114 ASPEN AVENUE CITY SINKING SPR STATE PA ZIP 196080000 MORT $85,000.00 BAL $85,000.00 RATE 9.7000 PAI $727.17 CLTV 89.473 MATURITY 121027 FEE 0.5000 LOAN 0000021901053 LAST_NAME MACEJKA ADDRESS 1859 TOWER STREET CITY SCHENECTADY STATE NY ZIP 123030000 MORT $96,000.00 BAL $95,692.70 RATE 8.5000 PAI $833.11 CLTV 80.000 MATURITY 170903 FEE 0.5000 LOAN 0000021901103 LAST_NAME CUPLER ADDRESS 1376 CHURCH STREET CITY ALABAMA STATE NY ZIP 140030000 MORT $70,000.00 BAL $69,944.12 RATE 10.5000 PAI $640.32 CLTV 89.743 MATURITY 270901 FEE 0.5000 LOAN 0000021901186 LAST_NAME MAROTTA ADDRESS 3574 GUILDERLAND ROAD CITY SCHENECTADY STATE NY ZIP 123060000 MORT $15,000.00 BAL $14,870.14 RATE 10.9900 PAI $170.40 CLTV 85.362 MATURITY 120828 FEE 0.5000 LOAN 0000021901194 LAST_NAME KROPP ADDRESS 71 SEVILLE BOULEVARD CITY SAYVILLE STATE NY ZIP 117820000 MORT $69,100.00 BAL $68,930.98 RATE 9.8500 PAI $736.22 CLTV 62.857 MATURITY 120917 FEE 0.5000 LOAN 0000021901236 LAST_NAME OAKS ADDRESS 28062 WILDWOOD TRAIL CITY FARMINGTON STATE MI ZIP 983360000 MORT $159,300.00 BAL $159,180.55 RATE 10.7900 PAI $1,491.83 CLTV 90.000 MATURITY 120915 FEE 0.5000 LOAN 0000021901244 LAST_NAME WIESENTHAL ADDRESS 25 JACKSON PLACE CITY MOONACHIE STATE NJ ZIP 070740000 MORT $24,100.00 BAL $23,849.85 RATE 8.9900 PAI $305.16 CLTV 13.771 MATURITY 70910 FEE 0.5000 LOAN 0000021901319 LAST_NAME MCLAUGHLIN ADDRESS 1110 W 42ND STREET CITY RICHMOND STATE VA ZIP 232250000 MORT $19,500.00 BAL $19,500.00 RATE 10.0000 PAI $209.55 CLTV 78.339 MATURITY 121124 FEE 0.5000 LOAN 0000021901335 LAST_NAME HOOVER ADDRESS 19363 GREENACRE ROAD CITY SOUTH BEND STATE IN ZIP 466370000 MORT $41,500.00 BAL $41,371.26 RATE 8.7500 PAI $366.74 CLTV 61.029 MATURITY 170829 FEE 0.5000 LOAN 0000021901376 LAST_NAME MEDLEY ADDRESS 494 SULLIVAN ROAD CITY NEWMAN STATE GA ZIP 302650000 MORT $153,900.00 BAL $153,504.18 RATE 9.3000 PAI $1,588.55 CLTV 90.000 MATURITY 121006 FEE 0.5000 LOAN 0000021901392 LAST_NAME MILLER ADDRESS 10665 TANCRED ST CITY NORTH GLEN STATE CO ZIP 802340000 MORT $48,600.00 BAL $48,116.72 RATE 9.7500 PAI $635.54 CLTV 78.447 MATURITY 70909 FEE 0.5000 LOAN 0000021901418 LAST_NAME ALCAVAGE ADDRESS 179 CORNELL ROAD CITY AUDUBON STATE NJ ZIP 081060000 MORT $51,600.00 BAL $50,647.56 RATE 8.7500 PAI $646.69 CLTV 46.486 MATURITY 70911 FEE 0.5000 LOAN 0000021901442 LAST_NAME JESTER ADDRESS 9545 NEWTON ST CITY WESTMINSTER STATE CO ZIP 800300000 MORT $103,500.00 BAL $102,950.43 RATE 8.9900 PAI $1,049.15 CLTV 79.615 MATURITY 120916 FEE 0.5000 LOAN 0000021901509 LAST_NAME SCHWARTZ ADDRESS 540 W 400 SOUTH CITY BERNE STATE IN ZIP 467110000 MORT $96,000.00 BAL $95,851.64 RATE 8.7500 PAI $848.36 CLTV 80.000 MATURITY 170919 FEE 0.5000 LOAN 0000021901525 LAST_NAME MONTGOMERY ADDRESS 512 E UNIVERSITY AVENUE CITY ROYAL OAK STATE MI ZIP 480670000 MORT $24,500.00 BAL $24,259.67 RATE 9.9900 PAI 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NY ZIP 113650000 MORT $74,100.00 BAL $73,494.77 RATE 8.7500 PAI $740.59 CLTV 49.400 MATURITY 120904 FEE 0.5000 LOAN 0000021902309 LAST_NAME HEALY ADDRESS 373 TWILIGHT LN CITY SMITHTOWN STATE NY ZIP 117870000 MORT $87,200.00 BAL $86,929.48 RATE 8.7500 PAI $770.60 CLTV 62.733 MATURITY 170912 FEE 0.5000 LOAN 0000021902317 LAST_NAME DINGY ADDRESS RR 1, BLAKELY ROAD CITY GENOA STATE NY ZIP 130710000 MORT $51,900.00 BAL $51,390.89 RATE 9.9900 PAI $685.57 CLTV 68.289 MATURITY 70916 FEE 0.5000 LOAN 0000021902341 LAST_NAME FRENCH ADDRESS 507 E HIGH SCHOOL RD CITY WESTPORT STATE IN ZIP 473830000 MORT $20,000.00 BAL $19,928.04 RATE 9.8500 PAI $191.02 CLTV 76.289 MATURITY 170910 FEE 0.5000 LOAN 0000021902358 LAST_NAME LEWIS ADDRESS 268 STATE ROUTE 151 CITY EAST GREENB STATE NY ZIP 120610000 MORT $24,850.00 BAL $24,587.11 RATE 8.6500 PAI $310.10 CLTV 42.844 MATURITY 70911 FEE 0.5000 LOAN 0000021902366 LAST_NAME CUTSHAW ADDRESS 11129 GARRISON HOLLOW RD CITY CLEAR SPRIN STATE MD ZIP 217220000 MORT 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PAI $180.65 CLTV 14.238 MATURITY 120916 FEE 0.5000 LOAN 0000021902465 LAST_NAME WOLFE ADDRESS 38 HUGHES RD CITY MIDDLEGROVE STATE NY ZIP 128500000 MORT $54,400.00 BAL $54,153.51 RATE 8.9900 PAI $489.10 CLTV 80.000 MATURITY 170904 FEE 0.5000 LOAN 0000021902473 LAST_NAME MEDINA ADDRESS 4827 N MEADE STREET CITY DENVER STATE CO ZIP 802210000 MORT $37,700.00 BAL $37,345.88 RATE 10.7500 PAI $514.00 CLTV 84.830 MATURITY 70916 FEE 0.5000 LOAN 0000021902499 LAST_NAME HILL ADDRESS 3915 WINLEE ROAD CITY RANDALLSTOW STATE MD ZIP 211330000 MORT $130,500.00 BAL $130,184.52 RATE 10.6900 PAI $1,319.58 CLTV 90.000 MATURITY 170902 FEE 0.5000 LOAN 0000021902515 LAST_NAME HUDSON ADDRESS 172 ROCKY MEADOW ST CITY MIDDLEBORO STATE MA ZIP 023460000 MORT $27,000.00 BAL $26,762.28 RATE 7.9000 PAI $256.47 CLTV 20.000 MATURITY 120901 FEE 0.5000 LOAN 0000021902523 LAST_NAME VARGA ADDRESS 102 7TH AVENUE CITY ROEBLING STATE NJ ZIP 085540000 MORT $30,650.00 BAL $30,431.33 RATE 10.2500 PAI $334.07 CLTV 79.957 MATURITY 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0000021902739 LAST_NAME BENNEFIELD ADDRESS BOX 3552 WEST ROAD CITY FORT ANN STATE NY ZIP 128270000 MORT $77,400.00 BAL $77,311.80 RATE 10.7500 PAI $722.51 CLTV 90.000 MATURITY 120829 FEE 0.5000 LOAN 0000021902747 LAST_NAME PAINTER ADDRESS 654 CATTERLIN STREET CITY FRANKFORT STATE IN ZIP 460410000 MORT $42,500.00 BAL $41,984.60 RATE 8.9900 PAI $538.14 CLTV 85.000 MATURITY 70916 FEE 0.5000 LOAN 0000021902754 LAST_NAME KRAUS ADDRESS 1135 E HANEY AVENUE CITY SOUTH BEND STATE IN ZIP 466130000 MORT $50,800.00 BAL $50,232.51 RATE 8.9900 PAI $514.95 CLTV 80.000 MATURITY 120829 FEE 0.5000 LOAN 0000021902762 LAST_NAME SCHIEBER ADDRESS 136 LEIN ROAD CITY WEST SENECA STATE NY ZIP 142240000 MORT $81,000.00 BAL $80,756.23 RATE 8.9900 PAI $728.26 CLTV 66.942 MATURITY 170902 FEE 0.5000 LOAN 0000021902770 LAST_NAME CHAMBLIN ADDRESS 5054 SUMMER DAY LANE CITY COLUMBIA STATE MD ZIP 210440000 MORT $25,700.00 BAL $25,345.51 RATE 9.9900 PAI $247.84 CLTV 79.659 MATURITY 170904 FEE 0.5000 LOAN 0000021902788 LAST_NAME MUSCARA ADDRESS 650 COUNTY ROAD 114 CITY COCHECTON STATE NY ZIP 127260000 MORT $117,300.00 BAL $116,989.37 RATE 9.9900 PAI $1,131.19 CLTV 85.000 MATURITY 170911 FEE 0.5000 LOAN 0000021902796 LAST_NAME MEACHEM ADDRESS 383 CLAWSON STREET CITY STATEN ISLA STATE NY ZIP 103060000 MORT $30,500.00 BAL $30,464.79 RATE 8.7500 PAI $239.94 CLTV 16.576 MATURITY 120908 FEE 0.5000 LOAN 0000021902804 LAST_NAME JOHNSON ADDRESS 1609 MAYPOP STREET CITY ZEPHYRHILLS STATE FL ZIP 335400000 MORT $45,700.00 BAL $45,616.36 RATE 8.5000 PAI $351.39 CLTV 76.806 MATURITY 270826 FEE 0.5000 LOAN 0000021902812 LAST_NAME DURSO ADDRESS 18 LADUE AVENUE CITY CLIFTON SPR STATE NY ZIP 144320000 MORT $69,600.00 BAL $69,230.42 RATE 8.9900 PAI $705.52 CLTV 80.000 MATURITY 120910 FEE 0.5000 LOAN 0000021902820 LAST_NAME DANIELS ADDRESS 131 PANSY PIKE CITY BLANCHESTER STATE OH ZIP 451070000 MORT $65,500.00 BAL $65,428.02 RATE 8.9900 PAI $526.56 CLTV 77.976 MATURITY 120922 FEE 0.5000 LOAN 0000021902838 LAST_NAME MURRAY ADDRESS 24 WOODHAIL ST CITY LIDO BEACH STATE NY ZIP 115610000 MORT $224,000.00 BAL $223,716.25 RATE 8.3000 PAI $1,690.72 CLTV 80.000 MATURITY 270909 FEE 0.5000 LOAN 0000021902846 LAST_NAME LEE ADDRESS 10365 COUNTY ROAD B CITY WAUSEON STATE OH ZIP 435670000 MORT $52,500.00 BAL $52,445.35 RATE 9.2500 PAI $431.91 CLTV 75.000 MATURITY 120904 FEE 0.5000 LOAN 0000021902853 LAST_NAME CRAFT ADDRESS 404 N FRONT STREET CITY DOWAGIAC STATE MI ZIP 490470000 MORT $55,200.00 BAL $55,135.34 RATE 8.9900 PAI $443.76 CLTV 81.176 MATURITY 270910 FEE 0.5000 LOAN 0000021902861 LAST_NAME MOBLEY ADDRESS 1941 POWELL AVE CITY CLEVELAND H STATE OH ZIP 441180000 MORT $81,600.00 BAL $81,555.33 RATE 8.9900 PAI $655.99 CLTV 80.000 MATURITY 120918 FEE 0.5000 LOAN 0000021902879 LAST_NAME FLYNN ADDRESS 2598 W KEMPER RD CITY CINCINNATI STATE OH ZIP 452310000 MORT $76,400.00 BAL $76,362.41 RATE 9.5000 PAI $642.42 CLTV 79.583 MATURITY 270903 FEE 0.5000 LOAN 0000021902887 LAST_NAME SHOOK ADDRESS 8102 KENYON DR SE CITY 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$71,200.00 BAL $71,120.84 RATE 8.9900 PAI $572.38 CLTV 80.000 MATURITY 120904 FEE 0.5000 LOAN 0000021902945 LAST_NAME RADEFF ADDRESS 5825 OLIVE ST CITY NORTH RIDGE STATE OH ZIP 440390000 MORT $95,850.00 BAL $95,773.31 RATE 10.4900 PAI $876.07 CLTV 90.000 MATURITY 120917 FEE 0.5000 LOAN 0000021902952 LAST_NAME SILCOCK ADDRESS 2578 W COOPER AVE CITY WEST TERRE STATE IN ZIP 478850000 MORT $43,200.00 BAL $43,160.78 RATE 9.9000 PAI $375.93 CLTV 90.000 MATURITY 120903 FEE 0.5000 LOAN 0000021902960 LAST_NAME LEEKS ADDRESS 4215 E 96TH ST CITY CLEVELAND STATE OH ZIP 441050000 MORT $48,000.00 BAL $47,718.15 RATE 8.9900 PAI $486.57 CLTV 79.338 MATURITY 120908 FEE 0.5000 LOAN 0000021902978 LAST_NAME LUSTER ADDRESS 1149 ROSLYN AVE SW CITY CANTON STATE OH ZIP 447100000 MORT $60,800.00 BAL $60,694.34 RATE 8.8000 PAI $480.49 CLTV 80.000 MATURITY 270820 FEE 0.5000 LOAN 0000021902986 LAST_NAME MORRIS ADDRESS 320 TWP ROAD 86 CITY SCOTTOWN STATE OH ZIP 456780000 MORT $48,000.00 BAL $47,957.34 RATE 10.0000 PAI $421.24 CLTV 64.000 MATURITY 270923 FEE 0.5000 LOAN 0000021902994 LAST_NAME TALLEY ADDRESS 1107 SHIRLEY AVE CITY TOLEDO STATE OH ZIP 436070000 MORT $31,500.00 BAL $31,327.68 RATE 12.9900 PAI $348.21 CLTV 90.000 MATURITY 270826 FEE 0.5000 LOAN 0000021903000 LAST_NAME LEHANE ADDRESS 8440 E 36TH PLACE CITY INDIANAPOLI STATE IN ZIP 462260000 MORT $39,200.00 BAL $39,163.27 RATE 9.7500 PAI $336.79 CLTV 70.000 MATURITY 120902 FEE 0.5000 LOAN 0000021903018 LAST_NAME EAKEN ADDRESS 2608 COUNTY ROAD 33 CITY BLUFFTON STATE OH ZIP 458170000 MORT $52,000.00 BAL $51,730.27 RATE 9.2500 PAI $535.18 CLTV 80.000 MATURITY 120908 FEE 0.5000 LOAN 0000021903026 LAST_NAME LEHANE ADDRESS 927 N BRADLEY CITY INDIANAPOLI STATE IN ZIP 462010000 MORT $42,000.00 BAL $41,960.64 RATE 9.7500 PAI $360.85 CLTV 70.000 MATURITY 120902 FEE 0.5000 LOAN 0000021903034 LAST_NAME OETTINGER ADDRESS 16 ANCHOR RD CITY BARNEGAT STATE NJ ZIP 080050000 MORT $53,200.00 BAL $53,157.08 RATE 10.4500 PAI $484.65 CLTV 70.000 MATURITY 120916 FEE 0.5000 LOAN 0000021903042 LAST_NAME SOMERS ADDRESS 920 BEAR CREEK RD CITY AUBURN STATE PA ZIP 179220000 MORT $142,300.00 BAL $142,187.61 RATE 10.5500 PAI $1,307.00 CLTV 79.977 MATURITY 121001 FEE 0.5000 LOAN 0000021903117 LAST_NAME SHERMAN ADDRESS 33 LIMEKILN ROAD CITY REDDING STATE CT ZIP 068980000 MORT $165,000.00 BAL $165,000.00 RATE 9.5000 PAI $1,387.41 CLTV 44.235 MATURITY 121105 FEE 0.5000 LOAN 0000021903125 LAST_NAME DEBORD ADDRESS 1107 WAYLAN AVE CITY ALBERTVILLE STATE AL ZIP 359500000 MORT $45,600.00 BAL $45,242.22 RATE 9.2000 PAI $467.95 CLTV 80.000 MATURITY 120809 FEE 0.5000 LOAN 0000021903133 LAST_NAME MYERS ADDRESS 7N0077 GARY COURT CITY CAMPTON STATE IL ZIP 601750000 MORT $140,500.00 BAL $140,287.17 RATE 9.5000 PAI $1,309.64 CLTV 76.775 MATURITY 171101 FEE 0.5000 LOAN 0000021903166 LAST_NAME MASCARELL ADDRESS 1569 BRUISTER STREET CITY MOBILE STATE AL ZIP 366040000 MORT $56,000.00 BAL $55,945.84 RATE 9.6000 PAI $474.97 CLTV 80.000 MATURITY 120909 FEE 0.5000 LOAN 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FEE 0.5000 LOAN 0000021903968 LAST_NAME PETERSON ADDRESS 13738 HARVEY STREET CITY JONES STATE MI ZIP 490610000 MORT $40,950.00 BAL $40,765.06 RATE 11.6250 PAI $481.63 CLTV 70.000 MATURITY 120901 FEE 0.5000 LOAN 0000021904040 LAST_NAME BISHOP ADDRESS 5016 SHANDWICK CIRCLE CITY BIRMINGHAM STATE AL ZIP 352420000 MORT $312,000.00 BAL $311,654.30 RATE 8.9500 PAI $2,499.21 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021904073 LAST_NAME DEMESYEUX ADDRESS 824 FIRST AVE CITY WESTBURY STATE NY ZIP 115900000 MORT $100,800.00 BAL $100,485.32 RATE 8.7000 PAI $887.57 CLTV 80.000 MATURITY 170901 FEE 0.5000 LOAN 0000021904081 LAST_NAME CLARK ADDRESS 4695 30TH AVENUE NORTH CITY ST. PETERSB STATE FL ZIP 337130000 MORT $29,000.00 BAL $28,984.96 RATE 9.2500 PAI $238.58 CLTV 69.047 MATURITY 271016 FEE 0.5000 LOAN 0000021904099 LAST_NAME FEROW ADDRESS 1104 WILLOW STREET CITY TECUMSEH STATE MI ZIP 492860000 MORT $43,100.00 BAL $42,340.64 RATE 8.9900 PAI $545.74 CLTV 47.888 MATURITY 71001 FEE 0.5000 LOAN 0000021904115 LAST_NAME CARR ADDRESS 1626 N HOLLAND SYLVANIA CITY TOLEDO STATE OH ZIP 436150000 MORT $56,800.00 BAL $56,716.39 RATE 9.5500 PAI $479.68 CLTV 80.000 MATURITY 120904 FEE 0.5000 LOAN 0000021904123 LAST_NAME CLARK ADDRESS 5435 COLLEGE STREET CITY KINGS MILLS STATE OH ZIP 450340000 MORT $62,050.00 BAL $61,874.75 RATE 9.4900 PAI $577.99 CLTV 85.000 MATURITY 170908 FEE 0.5000 LOAN 0000021904131 LAST_NAME SMITH ADDRESS 4336 CIDER MILL DRIVE CITY CINCINNATI STATE OH ZIP 452450000 MORT $99,000.00 BAL $98,916.60 RATE 10.2500 PAI $887.15 CLTV 90.000 MATURITY 120822 FEE 0.5000 LOAN 0000021904149 LAST_NAME FROST ADDRESS 70 PINEHURST DRIVE CITY LOWER POTTS STATE PA ZIP 194640000 MORT $130,000.00 BAL $129,841.93 RATE 8.5000 PAI $999.59 CLTV 89.454 MATURITY 120901 FEE 0.5000 LOAN 0000021904156 LAST_NAME JARVIS ADDRESS 32947 SOUTHWEST JP WEST R CITY SCAPPOOSE STATE OR ZIP 970560000 MORT $145,000.00 BAL $144,602.80 RATE 8.6500 PAI $1,440.66 CLTV 78.378 MATURITY 121027 FEE 0.5000 LOAN 0000021904164 LAST_NAME GARERI ADDRESS 1100 TUNLAW RD CITY HUNTSVILLE STATE AL ZIP 358010000 MORT $104,000.00 BAL $103,051.83 RATE 7.5000 PAI $964.09 CLTV 80.000 MATURITY 120901 FEE 0.5000 LOAN 0000021904180 LAST_NAME DRIGGERS ADDRESS 7360 BLUE CREEK W DRIVE CITY INDIANAPOLI STATE IN ZIP 462560000 MORT $100,000.00 BAL $99,417.46 RATE 7.9500 PAI $952.77 CLTV 80.000 MATURITY 120916 FEE 0.5000 LOAN 0000021904198 LAST_NAME BRASHEAR ADDRESS 2750 HAMILTON MASON ROAD CITY HAMILTON STATE OH ZIP 450110000 MORT $92,000.00 BAL $91,633.42 RATE 8.9900 PAI $739.60 CLTV 80.000 MATURITY 120825 FEE 0.5000 LOAN 0000021904206 LAST_NAME TURNER ADDRESS 8 GOWING ROAD CITY WILMINGTON STATE MA ZIP 018870000 MORT $31,000.00 BAL $31,000.00 RATE 9.7000 PAI $327.47 CLTV 32.559 MATURITY 121113 FEE 0.5000 LOAN 0000021904214 LAST_NAME NEER ADDRESS 719 E. 10TH STREET CITY PITTSBURG STATE KS ZIP 667620000 MORT $37,600.00 BAL $37,537.73 RATE 8.2000 PAI $319.20 CLTV 80.000 MATURITY 171028 FEE 0.5000 LOAN 0000021904248 LAST_NAME LEE ADDRESS 7505 N BUDDY DRIVE CITY MUNCIE STATE IN ZIP 473030000 MORT $103,950.00 BAL $103,857.44 RATE 9.9900 PAI $911.47 CLTV 90.000 MATURITY 120902 FEE 0.5000 LOAN 0000021904263 LAST_NAME CIAMPA ADDRESS 178 WOODED RIDGE ROAD CITY SWANTON STATE MD ZIP 215610000 MORT $128,000.00 BAL $127,558.51 RATE 7.9000 PAI $1,062.69 CLTV 80.000 MATURITY 170901 FEE 0.5000 LOAN 0000021904271 LAST_NAME HARDING ADDRESS 22194 LAKE ST CITY CASSOPOLIS STATE MI ZIP 490310000 MORT $190,000.00 BAL $189,769.08 RATE 8.5500 PAI $1,467.68 CLTV 70.370 MATURITY 121001 FEE 0.5000 LOAN 0000021904305 LAST_NAME MORROW ADDRESS ROUTE 1, BOX 153 CITY EUTAW STATE AL ZIP 354620000 MORT $40,500.00 BAL $40,484.41 RATE 11.3900 PAI $397.67 CLTV 75.000 MATURITY 270917 FEE 0.5000 LOAN 0000021904354 LAST_NAME WATTS ADDRESS 1020 S. 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STATE AL ZIP 351730000 MORT $96,000.00 BAL $95,908.91 RATE 9.6900 PAI $820.56 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021904628 LAST_NAME CORBETT ADDRESS 136 S CALHOUN ST CITY BISHOPVILLE STATE SC ZIP 290100000 MORT $67,500.00 BAL $66,701.36 RATE 9.9900 PAI $591.86 CLTV 90.000 MATURITY 270908 FEE 0.5000 LOAN 0000021904644 LAST_NAME MOORE ADDRESS 2412 47TH STREET CITY ROCK ISLAND STATE IL ZIP 612010000 MORT $66,400.00 BAL $66,211.52 RATE 9.4500 PAI $616.77 CLTV 80.000 MATURITY 170830 FEE 0.5000 LOAN 0000021904651 LAST_NAME CLAYSON ADDRESS 254 LYNDON CENTER RD CITY CUBA STATE NY ZIP 147270000 MORT $57,600.00 BAL $57,333.42 RATE 10.5000 PAI $636.71 CLTV 80.000 MATURITY 120925 FEE 0.5000 LOAN 0000021904685 LAST_NAME AMMERMAN ADDRESS 4401 ROBINSON STREET CITY DULUTH STATE MN ZIP 558040000 MORT $102,000.00 BAL $102,000.00 RATE 9.5500 PAI $861.40 CLTV 85.000 MATURITY 271103 FEE 0.5000 LOAN 0000021904693 LAST_NAME KELL ADDRESS 71 MARTINIQUE DR CITY BUFFALO STATE NY ZIP 142270000 MORT $90,000.00 BAL $89,811.25 RATE 10.9900 PAI $928.36 CLTV 90.000 MATURITY 170925 FEE 0.5000 LOAN 0000021904701 LAST_NAME ANDERSON ADDRESS 305 W ELM STREET CITY LEROY STATE IL ZIP 617520000 MORT $60,700.00 BAL $60,508.11 RATE 8.6000 PAI $530.62 CLTV 73.132 MATURITY 170925 FEE 0.5000 LOAN 0000021904750 LAST_NAME STODOLNY ADDRESS 4521 S MARSHFIELD CITY CHICAGO STATE IL ZIP 606090000 MORT $16,500.00 BAL $16,269.64 RATE 10.9900 PAI $227.20 CLTV 26.612 MATURITY 70822 FEE 0.5000 LOAN 0000021904776 LAST_NAME GLEASON ADDRESS 39 WINDELIN DR CITY HENRIETTA STATE NY ZIP 144670000 MORT $149,500.00 BAL $149,327.35 RATE 8.7500 PAI $1,176.12 CLTV 78.684 MATURITY 270828 FEE 0.5000 LOAN 0000021904818 LAST_NAME BIANCOSINO ADDRESS 762 MANOR AVENUE CITY TULLYTOWN STATE PA ZIP 190070000 MORT $81,200.00 BAL $81,153.28 RATE 8.7500 PAI $638.80 CLTV 70.000 MATURITY 271001 FEE 0.5000 LOAN 0000021904842 LAST_NAME SMITH ADDRESS 206 N OSBORN CITY ARTESIA STATE NM ZIP 882100000 MORT $17,000.00 BAL $17,000.00 RATE 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$818.90 CLTV 80.000 MATURITY 171024 FEE 0.5000 LOAN 0000021904933 LAST_NAME LOIZZI ADDRESS 3597 S TELLURIDE WAY CITY AURORA STATE CO ZIP 800130000 MORT $148,750.00 BAL $148,649.77 RATE 10.7000 PAI $1,382.97 CLTV 85.000 MATURITY 271022 FEE 0.5000 LOAN 0000021904966 LAST_NAME BILGER ADDRESS 142 SOUTH MAXON LANE CITY STREAMWOOD STATE IL ZIP 601070000 MORT $107,800.00 BAL $107,705.20 RATE 8.1000 PAI $798.53 CLTV 79.264 MATURITY 121101 FEE 0.5000 LOAN 0000021905005 LAST_NAME BROWN ADDRESS 6950 CLOTHIER ROAD CITY CLIFFORD STATE MI ZIP 487270000 MORT $80,100.00 BAL $80,100.00 RATE 9.3000 PAI $661.87 CLTV 90.000 MATURITY 121110 FEE 0.5000 LOAN 0000021905047 LAST_NAME BLAIR ADDRESS 329 CANAL STREET CITY FORT PLAIN STATE NY ZIP 133390000 MORT $19,200.00 BAL $19,150.40 RATE 9.2500 PAI $197.60 CLTV 80.000 MATURITY 121021 FEE 0.5000 LOAN 0000021905096 LAST_NAME GATEWOOD ADDRESS 5623 PURDUE AVE CITY BALTIMORE STATE MD ZIP 212390000 MORT $68,000.00 BAL $67,904.48 RATE 9.5000 PAI $633.85 CLTV 80.000 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CITY GILLESPIE STATE IL ZIP 620330000 MORT $67,500.00 BAL $67,500.00 RATE 9.9500 PAI $649.16 CLTV 90.000 MATURITY 171024 FEE 0.5000 LOAN 0000021905344 LAST_NAME HASELMAYER ADDRESS 18542 DRAYTON STREET CITY SPRING HILL STATE FL ZIP 346100000 MORT $53,000.00 BAL $52,939.42 RATE 8.8000 PAI $418.85 CLTV 76.258 MATURITY 120819 FEE 0.5000 LOAN 0000021905351 LAST_NAME WELLS ADDRESS 5520 MARY MUNGER RD CITY TRUSSVILLE STATE AL ZIP 351730000 MORT $150,000.00 BAL $149,160.41 RATE 8.4000 PAI $1,468.33 CLTV 73.710 MATURITY 120908 FEE 0.5000 LOAN 0000021905369 LAST_NAME WILLIAMS ADDRESS 2723 PLYMOUTH DRIVE CITY SHELBY STATE MI ZIP 483160000 MORT $216,000.00 BAL $215,624.46 RATE 8.7500 PAI $1,699.27 CLTV 80.000 MATURITY 120829 FEE 0.5000 LOAN 0000021905385 LAST_NAME MIGUT ADDRESS 405 JEFFERSON ST CITY FRANKLIN SQ STATE NY ZIP 101010000 MORT $168,000.00 BAL $167,448.60 RATE 8.3000 PAI $1,436.75 CLTV 79.809 MATURITY 170901 FEE 0.5000 LOAN 0000021905393 LAST_NAME MURPHY ADDRESS 320 PLYMOUTH STREET CITY WHITMAN STATE MA ZIP 023820000 MORT $112,000.00 BAL $111,613.70 RATE 7.9000 PAI $929.85 CLTV 80.000 MATURITY 170901 FEE 0.5000 LOAN 0000021905419 LAST_NAME HOLDERFIELD ADDRESS 385 ROUTE 1, BOX 385 CITY LEXINGTON STATE AL ZIP 356480000 MORT $76,000.00 BAL $75,740.76 RATE 7.9900 PAI $635.22 CLTV 80.000 MATURITY 170901 FEE 0.5000 LOAN 0000021905427 LAST_NAME SOARES ADDRESS 2095 FLINTCREST DRIVE CITY SAN JOSE STATE CA ZIP 951480000 MORT $15,310.00 BAL $15,310.00 RATE 9.7000 PAI $161.73 CLTV 66.493 MATURITY 121126 FEE 0.5000 LOAN 0000021905435 LAST_NAME INNAMARATO ADDRESS 11 ROBIN LN CITY BELCHERTOWN STATE MA ZIP 010070000 MORT $113,400.00 BAL $113,349.30 RATE 9.9500 PAI $990.98 CLTV 90.000 MATURITY 121001 FEE 0.5000 LOAN 0000021905443 LAST_NAME NEAL ADDRESS 9043 HIGHWAY 53 SOUTH CITY TONEY STATE AL ZIP 357730000 MORT $47,000.00 BAL $46,895.08 RATE 8.9500 PAI $376.48 CLTV 67.142 MATURITY 120805 FEE 0.5000 LOAN 0000021905450 LAST_NAME PARSONS ADDRESS 167 HONEY HILL ROAD CITY FULTON STATE NY ZIP 130690000 MORT $101,200.00 BAL $101,141.17 RATE 8.7000 PAI $792.53 CLTV 80.000 MATURITY 271101 FEE 0.5000 LOAN 0000021905484 LAST_NAME ALAS ADDRESS 769 LINDBERGH AVENUE CITY PEEKSKILL STATE NY ZIP 105660000 MORT $169,000.00 BAL $168,586.47 RATE 7.3000 PAI $1,340.86 CLTV 79.716 MATURITY 171001 FEE 0.5000 LOAN 0000021905500 LAST_NAME MITCHELL ADDRESS 4316 MARY RIDGE DRIVE CITY RANDALLSTOW STATE MD ZIP 211330000 MORT $118,000.00 BAL $117,495.60 RATE 9.4500 PAI $1,096.07 CLTV 76.623 MATURITY 170830 FEE 0.5000 LOAN 0000021905518 LAST_NAME FALEY ADDRESS 5228 RIVIERA DR CITY TOLEDO STATE OH ZIP 436110000 MORT $140,000.00 BAL $139,735.79 RATE 8.3500 PAI $1,061.63 CLTV 79.545 MATURITY 120801 FEE 0.5000 LOAN 0000021905559 LAST_NAME FIELDS ADDRESS 25 SOUTH WOODWARD AVENUE CITY DAYTON STATE OH ZIP 454170000 MORT $39,200.00 BAL $39,200.00 RATE 8.9000 PAI $312.60 CLTV 80.000 MATURITY 271119 FEE 0.5000 LOAN 0000021905567 LAST_NAME PARILLO ADDRESS 72-74 DANIELS STREET CITY PAWTUCKET STATE RI ZIP 028600000 MORT $72,800.00 BAL $72,691.00 RATE 9.0000 PAI $655.00 CLTV 70.000 MATURITY 171017 FEE 0.5000 LOAN 0000021905575 LAST_NAME BOHANNON ADDRESS 33 WEST ROAD CITY ORLEANS STATE MA ZIP 026530000 MORT $62,000.00 BAL $61,962.44 RATE 8.5000 PAI $476.73 CLTV 51.666 MATURITY 120924 FEE 0.5000 LOAN 0000021905617 LAST_NAME MERCHANT ADDRESS 4334 W HOLT ROAD CITY HOLT STATE MI ZIP 488420000 MORT $40,000.00 BAL $39,838.60 RATE 9.9000 PAI $383.36 CLTV 50.632 MATURITY 170901 FEE 0.5000 LOAN 0000021905641 LAST_NAME BARNES ADDRESS 3516 CHIPPENDALE TR CITY GREENSBORO STATE NC ZIP 274060000 MORT $96,750.00 BAL $96,707.20 RATE 10.0000 PAI $849.05 CLTV 90.000 MATURITY 121001 FEE 0.5000 LOAN 0000021905674 LAST_NAME ODDI ADDRESS 32428 DUNFORD STREET CITY FARMINGTON STATE MI ZIP 483340000 MORT $120,250.00 BAL $120,053.34 RATE 8.3000 PAI $1,028.39 CLTV 72.878 MATURITY 171001 FEE 0.5000 LOAN 0000021905799 LAST_NAME BAILEY ADDRESS 427 GARDENDALE DR CITY MONTGOMERY STATE AL ZIP 361100000 MORT $27,000.00 BAL $26,864.32 RATE 9.6000 PAI $283.57 CLTV 72.972 MATURITY 120922 FEE 0.5000 LOAN 0000021905872 LAST_NAME BALEGO ADDRESS 850 IRIS DRIVE CITY NORTH HUNTI STATE PA ZIP 156420000 MORT $59,300.00 BAL $59,207.18 RATE 8.6500 PAI $520.27 CLTV 64.456 MATURITY 171027 FEE 0.5000 LOAN 0000021905880 LAST_NAME MILLER ADDRESS 20372 BEECHWOOD LANE CITY STRONGSVILL STATE OH ZIP 441360000 MORT $123,200.00 BAL $123,126.88 RATE 8.6000 PAI $956.05 CLTV 69.828 MATURITY 121008 FEE 0.5000 LOAN 0000021905898 LAST_NAME BRUSSELL ADDRESS 1651 SPUR DRIVE CITY CENTRAL ISL STATE NY ZIP 117220000 MORT $100,000.00 BAL $99,872.53 RATE 10.2500 PAI $981.64 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021905914 LAST_NAME LATIMORE ADDRESS RT 6 BOX 4369 FRANKLIN RO CITY YOUNG TOWNS STATE SC ZIP 293600000 MORT $42,500.00 BAL $42,500.00 RATE 10.1500 PAI $460.62 CLTV 85.000 MATURITY 121101 FEE 0.5000 LOAN 0000021906060 LAST_NAME DAIGLE ADDRESS 45 WOODLAWN AVENUE CITY NORTH BILLE STATE MA ZIP 018210000 MORT $15,000.00 BAL $15,000.00 RATE 9.6000 PAI $157.55 CLTV 42.747 MATURITY 121117 FEE 0.5000 LOAN 0000021906136 LAST_NAME SHERRELL ADDRESS 25 SHORT TRACK LANE CITY ARTESIA STATE NM ZIP 882100000 MORT $40,500.00 BAL $40,500.00 RATE 10.0000 PAI $390.84 CLTV 90.000 MATURITY 171117 FEE 0.5000 LOAN 0000021906185 LAST_NAME BELL ADDRESS 809 H ST NE CITY LINTON STATE IN ZIP 474410000 MORT $56,100.00 BAL $56,073.26 RATE 9.6500 PAI $477.88 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021906235 LAST_NAME MOUDRY ADDRESS 3823 E BRIARWOOD TERRACE CITY PHOENIX STATE AZ ZIP 850440000 MORT $20,000.00 BAL $20,000.00 RATE 9.7000 PAI $261.00 CLTV 76.428 MATURITY 71124 FEE 0.5000 LOAN 0000021906284 LAST_NAME ELLSWORTH ADDRESS 462 N E 800 CITY SPRINGVILLE STATE UT ZIP 846630000 MORT $16,900.00 BAL $16,900.00 RATE 10.4500 PAI $186.29 CLTV 84.962 MATURITY 121125 FEE 0.5000 LOAN 0000021906334 LAST_NAME PRICE ADDRESS 118 KING EDWARD STREET CITY HILLSBOROUG STATE NC ZIP 272780000 MORT $54,400.00 BAL $54,400.00 RATE 10.0000 PAI $584.59 CLTV 85.000 MATURITY 121105 FEE 0.5000 LOAN 0000021906425 LAST_NAME TARIFA ADDRESS 3306 HUSDON AVENUE CITY UNION CITY STATE NJ ZIP 070870000 MORT $70,000.00 BAL $69,906.33 RATE 10.0000 PAI $614.30 CLTV 70.000 MATURITY 120901 FEE 0.5000 LOAN 0000021906482 LAST_NAME BISHOP ADDRESS 334 W. SAMPLE AVENUE CITY LAKE HAMILT STATE FL ZIP 338510000 MORT $30,000.00 BAL $30,000.00 RATE 9.7500 PAI $284.56 CLTV 62.500 MATURITY 171117 FEE 0.5000 LOAN 0000021906599 LAST_NAME JOHNSON ADDRESS 18437 ASBURY PARK CITY DETROIT STATE MI ZIP 482350000 MORT $44,000.00 BAL $44,000.00 RATE 8.7000 PAI $344.58 CLTV 77.192 MATURITY 121028 FEE 0.5000 LOAN 0000021906607 LAST_NAME HOLMES ADDRESS 346 SEMECA AVE CITY MOUNT VERNO STATE NY ZIP 105500000 MORT $130,000.00 BAL $129,871.59 RATE 9.5000 PAI $1,093.12 CLTV 70.270 MATURITY 270915 FEE 0.5000 LOAN 0000021906698 LAST_NAME ELLISON ADDRESS 5626 GAINOR ROAD CITY PHILADELPHI STATE PA ZIP 191310000 MORT $64,800.00 BAL $64,637.67 RATE 9.5900 PAI $680.19 CLTV 90.000 MATURITY 121014 FEE 0.5000 LOAN 0000021906714 LAST_NAME HARLOS ADDRESS 147 RAFKIND ROAD CITY BLOOMINGDAL STATE NJ ZIP 074030000 MORT $90,500.00 BAL $90,294.82 RATE 10.5500 PAI $906.58 CLTV 58.387 MATURITY 171009 FEE 0.5000 LOAN 0000021906730 LAST_NAME CUFFY ADDRESS 3109 CLARENDON ROAD CITY BROOKLYN STATE NY ZIP 112260000 MORT $75,000.00 BAL $74,774.27 RATE 8.9900 PAI $674.32 CLTV 46.875 MATURITY 171001 FEE 0.5000 LOAN 0000021906789 LAST_NAME WATSON ADDRESS 296 WHITE PINE DRIVE CITY ASHEVILLE STATE NC ZIP 288050000 MORT $76,400.00 BAL $76,400.00 RATE 8.0500 PAI $732.33 CLTV 80.000 MATURITY 121118 FEE 0.5000 LOAN 0000021906862 LAST_NAME FELLS ADDRESS 7036 S WINCHESTER CITY CHICAGO STATE IL ZIP 606360000 MORT $60,000.00 BAL $60,000.00 RATE 8.7000 PAI $469.88 CLTV 80.000 MATURITY 121105 FEE 0.5000 LOAN 0000021906946 LAST_NAME CLARKE ADDRESS 354 LUMMISTOWN ROAD CITY BRIDGETON STATE NJ ZIP 083020000 MORT $83,000.00 BAL $82,904.15 RATE 8.7500 PAI $652.96 CLTV 63.846 MATURITY 270901 FEE 0.5000 LOAN 0000021906953 LAST_NAME BATOCABE ADDRESS 4022 N OCTAVIA AVENUE CITY NORRIDGE STATE IL ZIP 606340000 MORT $136,000.00 BAL $136,000.00 RATE 9.4500 PAI $1,263.27 CLTV 83.950 MATURITY 171106 FEE 0.5000 LOAN 0000021907019 LAST_NAME GRAY ADDRESS 1417 PLANTER STREET CITY ROCKY MOUNT STATE NC ZIP 278010000 MORT $40,000.00 BAL $40,000.00 RATE 9.9500 PAI $384.68 CLTV 71.428 MATURITY 171104 FEE 0.5000 LOAN 0000021907027 LAST_NAME CHAMBERS ADDRESS 1211 MARCOUX AVENUE CITY CITY OF MUS STATE MI ZIP 494420000 MORT $48,000.00 BAL $48,000.00 RATE 8.7000 PAI $478.32 CLTV 80.000 MATURITY 121029 FEE 0.5000 LOAN 0000021907035 LAST_NAME WALKER ADDRESS 1 HOMESTEAD DRIVE CITY PLATTSBURGH STATE NY ZIP 129010000 MORT $89,000.00 BAL $88,912.09 RATE 9.5000 PAI $748.36 CLTV 77.729 MATURITY 270829 FEE 0.5000 LOAN 0000021907043 LAST_NAME MORGAN ADDRESS 49 PEACOCK ROAD CITY WARWICK STATE RI ZIP 028860000 MORT $94,900.00 BAL $94,900.00 RATE 8.8000 PAI $749.97 CLTV 49.427 MATURITY 121103 FEE 0.5000 LOAN 0000021907050 LAST_NAME VIGIL ADDRESS 2615 W. OHIO CITY CARLSBAD STATE NM ZIP 882200000 MORT $35,955.00 BAL $35,955.00 RATE 10.0500 PAI $348.17 CLTV 85.000 MATURITY 171103 FEE 0.5000 LOAN 0000021907076 LAST_NAME RAY ADDRESS 304 MALIBOU STREET CITY HOUMA STATE LA ZIP 703640000 MORT $43,000.00 BAL $43,000.00 RATE 7.7500 PAI $516.05 CLTV 54.088 MATURITY 71125 FEE 0.5000 LOAN 0000021907084 LAST_NAME HEDENBERG ADDRESS 4 NOTTINGHAM DRIVE CITY EASTAMPTON STATE NJ ZIP 080600000 MORT $110,500.00 BAL $110,396.46 RATE 9.7500 PAI $949.37 CLTV 88.047 MATURITY 271001 FEE 0.5000 LOAN 0000021907118 LAST_NAME COLON ADDRESS 35 LAKESHORE DR CITY MONROE STATE NY ZIP 109500000 MORT $21,000.00 BAL $20,947.95 RATE 10.5000 PAI $209.66 CLTV 84.954 MATURITY 170919 FEE 0.5000 LOAN 0000021907134 LAST_NAME WILLIAMS ADDRESS 104 CARL ROAD CITY CORBIN CITY STATE NJ ZIP 082700000 MORT $97,200.00 BAL $97,199.20 RATE 10.2000 PAI $867.40 CLTV 86.785 MATURITY 271016 FEE 0.5000 LOAN 0000021907167 LAST_NAME PAYNTER ADDRESS 5974 SPLIT PINE COURT CITY COLORADO SP STATE CO ZIP 809180000 MORT $216,750.00 BAL $216,750.00 RATE 9.0500 PAI $1,751.83 CLTV 85.000 MATURITY 121117 FEE 0.5000 LOAN 0000021907183 LAST_NAME BANKS ADDRESS 1121 QUEEN STREET NORTH CITY ST PETERSBU STATE FL ZIP 337030000 MORT $45,500.00 BAL $45,500.00 RATE 9.4000 PAI $472.39 CLTV 75.833 MATURITY 121104 FEE 0.5000 LOAN 0000021907209 LAST_NAME AHRENS ADDRESS 377 TWILIGHT LANE CITY SMITHTOWN STATE NY ZIP 117870000 MORT $29,100.00 BAL $29,028.16 RATE 9.7500 PAI $308.28 CLTV 84.972 MATURITY 121008 FEE 0.5000 LOAN 0000021907217 LAST_NAME YAW ADDRESS 1117 WILLIAMS STREET CITY SAGINAW STATE MI ZIP 486020000 MORT $38,400.00 BAL $38,400.00 RATE 8.4500 PAI $377.02 CLTV 80.000 MATURITY 121104 FEE 0.5000 LOAN 0000021907357 LAST_NAME VAN HARKEN ADDRESS 24 CATHERINE ST CITY BLOOMINGDAL STATE NJ ZIP 074030000 MORT $89,800.00 BAL $89,766.92 RATE 10.8500 PAI $845.02 CLTV 64.142 MATURITY 121001 FEE 0.5000 LOAN 0000021907365 LAST_NAME LICCKETTO ADDRESS 631 BARBADOS DRIVE CITY MONROE TOWN STATE NJ ZIP 080940000 MORT $85,300.00 BAL $84,925.92 RATE 11.8500 PAI $1,216.42 CLTV 78.256 MATURITY 71001 FEE 0.5000 LOAN 0000021907373 LAST_NAME MAIOCCO ADDRESS 23 TORRINGTON DR CITY GLOUCESTER STATE NJ ZIP 080810000 MORT $195,300.00 BAL $194,872.93 RATE 11.4500 PAI $2,076.01 CLTV 90.000 MATURITY 171001 FEE 0.5000 LOAN 0000021907399 LAST_NAME BYRNE ADDRESS 2 HEMLOCK TRIANGLE ST CITY VERNON TOWN STATE NJ ZIP 074220000 MORT $122,400.00 BAL $122,216.50 RATE 8.9900 PAI $1,100.48 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021907415 LAST_NAME VAN HORN ADDRESS 36 FORD AVENUE CITY BERKELEY TO STATE NJ ZIP 087210000 MORT $127,800.00 BAL $127,754.33 RATE 10.9900 PAI $1,216.10 CLTV 90.000 MATURITY 121001 FEE 0.5000 LOAN 0000021907423 LAST_NAME JOHNSON ADDRESS 433 W MONTGOMERY AVE CITY CITY OF WIL STATE NJ ZIP 082600000 MORT $56,000.00 BAL $55,982.69 RATE 11.6500 PAI $560.98 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021907431 LAST_NAME VAN NESS ADDRESS 37 FAIRVIEW AVE. CITY SOMERVILLE STATE NJ ZIP 088760000 MORT $116,000.00 BAL $115,938.29 RATE 12.3500 PAI $1,224.53 CLTV 87.878 MATURITY 120922 FEE 0.5000 LOAN 0000021907456 LAST_NAME DAVIS ADDRESS 2536 SPERO ROAD CITY RANDLEMAN STATE NC ZIP 273170000 MORT $48,600.00 BAL $48,600.00 RATE 9.7500 PAI $514.86 CLTV 90.000 MATURITY 121126 FEE 0.5000 LOAN 0000021907464 LAST_NAME LEE ADDRESS 24 CENTER ST CITY SOUTH TOMS STATE NJ ZIP 087540000 MORT $25,000.00 BAL $24,883.78 RATE 10.8500 PAI $342.26 CLTV 52.083 MATURITY 71001 FEE 0.5000 LOAN 0000021907498 LAST_NAME NELSON ADDRESS 37 AURIGA LANE CITY SEWELL STATE NJ ZIP 080800000 MORT $121,500.00 BAL $121,363.31 RATE 11.2000 PAI $1,270.69 CLTV 90.000 MATURITY 171001 FEE 0.5000 LOAN 0000021907548 LAST_NAME SCHANDER ADDRESS 121 FREEWAY AVENUE CITY MANSFIELD T STATE NJ ZIP 078400000 MORT $128,600.00 BAL $128,527.76 RATE 10.9900 PAI $1,223.72 CLTV 89.930 MATURITY 121001 FEE 0.5000 LOAN 0000021907563 LAST_NAME PEGGS ADDRESS 653 WASHINGTON AVE CITY DEPTFORD TO STATE NJ ZIP 080960000 MORT $82,400.00 BAL $82,379.61 RATE 12.6500 PAI $889.02 CLTV 73.571 MATURITY 121001 FEE 0.5000 LOAN 0000021907571 LAST_NAME JONES ADDRESS 725 EDGEWOOD AVENUE CITY TRENTON STATE NJ ZIP 086180000 MORT $59,000.00 BAL $58,922.21 RATE 9.9900 PAI $568.97 CLTV 79.729 MATURITY 171001 FEE 0.5000 LOAN 0000021907605 LAST_NAME PINES ADDRESS 339 COLLINS LN CITY MAPLE SHADE STATE NJ ZIP 080520000 MORT $47,200.00 BAL $46,976.11 RATE 10.5000 PAI $636.89 CLTV 49.684 MATURITY 71001 FEE 0.5000 LOAN 0000021907613 LAST_NAME VANDERLICK ADDRESS 134 VINEYARD ROAD CITY EDISON TOWN STATE NJ ZIP 088170000 MORT $92,100.00 BAL $91,982.60 RATE 10.2500 PAI $904.09 CLTV 76.115 MATURITY 171001 FEE 0.5000 LOAN 0000021907639 LAST_NAME SHAY ADDRESS 8880 NORTH HICKORY DRIVE CITY TUCSON STATE AZ ZIP 857370000 MORT $14,000.00 BAL $14,000.00 RATE 9.6000 PAI $181.93 CLTV 50.244 MATURITY 71118 FEE 0.5000 LOAN 0000021907670 LAST_NAME SMITH ADDRESS 1563 WASHINGTON ST CITY WEST DEPTFO STATE NJ ZIP 080960000 MORT $51,000.00 BAL $50,938.63 RATE 13.8500 PAI $598.23 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021907803 LAST_NAME PIFER ADDRESS 1711 EASTERN AVENUE S.E. CITY GRAND RAPID STATE MI ZIP 495070000 MORT $46,400.00 BAL $46,373.02 RATE 8.7000 PAI $363.38 CLTV 80.000 MATURITY 121014 FEE 0.5000 LOAN 0000021907837 LAST_NAME PYTLIK ADDRESS 130 ELMWOOD DRIVE CITY GLENSHAW STATE PA ZIP 151160000 MORT $76,500.00 BAL $76,308.54 RATE 9.6000 PAI $803.46 CLTV 90.000 MATURITY 121027 FEE 0.5000 LOAN 0000021907944 LAST_NAME TRUSZKOWSKI ADDRESS 625 CHESTNUT ST CITY MONROE TWP STATE NJ ZIP 080940000 MORT $67,800.00 BAL $67,615.21 RATE 10.1000 PAI $755.44 CLTV 69.896 MATURITY 111021 FEE 0.5000 LOAN 0000021907951 LAST_NAME LAWTON ADDRESS 15742 MULL STREET SE CITY TENINO STATE WA ZIP 985890000 MORT $101,600.00 BAL $101,600.00 RATE 9.9750 PAI $889.74 CLTV 80.000 MATURITY 271017 FEE 0.5000 LOAN 0000021907977 LAST_NAME WIGGIN ADDRESS 175 MILL ROAD CITY CHELMSFORD STATE MA ZIP 018240000 MORT $65,500.00 BAL $65,399.41 RATE 8.8000 PAI $580.92 CLTV 55.508 MATURITY 171015 FEE 0.5000 LOAN 0000021908033 LAST_NAME JONES ADDRESS 40 SOUTH ROAD CITY ENFIELD STATE CT ZIP 060820000 MORT $96,000.00 BAL $95,949.71 RATE 9.2000 PAI $786.29 CLTV 80.000 MATURITY 121016 FEE 0.5000 LOAN 0000021908041 LAST_NAME GILBRIDE ADDRESS 24 SYLVIA CIRCLE CITY HOLBROOK STATE NY ZIP 117410000 MORT $110,000.00 BAL $109,897.81 RATE 9.9900 PAI $964.52 CLTV 74.829 MATURITY 120901 FEE 0.5000 LOAN 0000021908058 LAST_NAME ANDREWS ADDRESS 6911 WHEELER AVENUE CITY MOBILE STATE AL ZIP 366130000 MORT $50,150.00 BAL $50,150.00 RATE 9.5000 PAI $523.68 CLTV 85.000 MATURITY 121107 FEE 0.5000 LOAN 0000021908090 LAST_NAME PORTER ADDRESS 503 PARKINSON AVENUE CITY TRENTON STATE NJ ZIP 086100000 MORT $54,300.00 BAL $54,300.00 RATE 9.1000 PAI $553.98 CLTV 76.478 MATURITY 121126 FEE 0.5000 LOAN 0000021908124 LAST_NAME EDWARDS ADDRESS 45-47 WOODLAWN AVENUE CITY JERSEY CITY STATE NJ ZIP 073050000 MORT $110,000.00 BAL $109,953.87 RATE 10.2500 PAI $985.71 CLTV 64.705 MATURITY 271001 FEE 0.5000 LOAN 0000021908181 LAST_NAME WHITEAKER ADDRESS 1855 MANGO TREE DRIVE CITY EDGEWATER STATE FL ZIP 321410000 MORT $53,000.00 BAL $52,913.32 RATE 8.3000 PAI $453.26 CLTV 79.699 MATURITY 171103 FEE 0.5000 LOAN 0000021908280 LAST_NAME HOWARD ADDRESS HRC1 BOX 460,BROWN ROAD CITY MALONE STATE NY ZIP 129530000 MORT $57,500.00 BAL $57,500.00 RATE 10.0000 PAI $554.89 CLTV 84.558 MATURITY 171119 FEE 0.5000 LOAN 0000021908298 LAST_NAME BRENNAN ADDRESS 523 N ELM ST. CITY CLINTON STATE IL ZIP 617270000 MORT $46,800.00 BAL $46,781.60 RATE 10.5500 PAI $429.85 CLTV 90.000 MATURITY 271029 FEE 0.5000 LOAN 0000021908447 LAST_NAME SMITH ADDRESS 504 COLLINS STREET CITY SALISBURY STATE MD ZIP 208010000 MORT $44,500.00 BAL $44,500.00 RATE 7.9000 PAI $323.43 CLTV 71.774 MATURITY 121117 FEE 0.5000 LOAN 0000021908470 LAST_NAME FALCO ADDRESS 347 EMERY AVENUE CITY ROMEOVILLE STATE IL ZIP 604460000 MORT $101,600.00 BAL $101,600.00 RATE 8.7000 PAI $795.67 CLTV 80.000 MATURITY 121117 FEE 0.5000 LOAN 0000021908538 LAST_NAME CARDINAL ADDRESS 380 HANCOCK STREET CITY ABINGTON STATE MA ZIP 023510000 MORT $29,000.00 BAL $28,927.08 RATE 9.5500 PAI $303.71 CLTV 79.884 MATURITY 121020 FEE 0.5000 LOAN 0000021908546 LAST_NAME COLLINS ADDRESS 4364 PARKTON STREET CITY BALTIMORE STATE MD ZIP 212290000 MORT $60,000.00 BAL $60,000.00 RATE 9.9900 PAI $526.10 CLTV 80.000 MATURITY 121103 FEE 0.5000 LOAN 0000021908561 LAST_NAME INGLERT ADDRESS 876 W. COUNTY ROAD 25 S CITY GREENCASTLE STATE IN ZIP 461350000 MORT $62,900.00 BAL $62,900.00 RATE 8.7000 PAI $553.85 CLTV 74.880 MATURITY 171117 FEE 0.5000 LOAN 0000021908579 LAST_NAME CHEATEM ADDRESS 423 S 15TH AVE CITY MAYWOOD STATE IL ZIP 601530000 MORT $72,250.00 BAL $72,250.00 RATE 9.4500 PAI $604.89 CLTV 85.000 MATURITY 121124 FEE 0.5000 LOAN 0000021908611 LAST_NAME SAIKEN ADDRESS 1434 STERLING ST CITY PHILADELPHI STATE PA ZIP 191490000 MORT $25,000.00 BAL $24,942.66 RATE 10.5500 PAI $277.13 CLTV 43.103 MATURITY 121022 FEE 0.5000 LOAN 0000021908645 LAST_NAME HAYS ADDRESS 611 ROUTE 197 CITY WOODSTOCK STATE CT ZIP 062810000 MORT $100,000.00 BAL $99,829.16 RATE 7.9500 PAI $833.34 CLTV 62.500 MATURITY 171021 FEE 0.5000 LOAN 0000021908686 LAST_NAME MADAMBA ADDRESS 200 WHITE STREET,UNIT 22 CITY NICEVILLE STATE FL ZIP 325780000 MORT $65,000.00 BAL $64,963.75 RATE 8.9000 PAI $518.33 CLTV 77.380 MATURITY 121101 FEE 0.5000 LOAN 0000021908702 LAST_NAME LEE ADDRESS 12688 WOODBRIAR DRIVE CITY 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$462.12 CLTV 69.547 MATURITY 121124 FEE 0.5000 LOAN 0000021909700 LAST_NAME PARKER ADDRESS 149 BRIDGE AVENUE CITY COHOES STATE NY ZIP 120470000 MORT $69,700.00 BAL $69,663.86 RATE 9.2500 PAI $573.41 CLTV 85.000 MATURITY 121105 FEE 0.5000 LOAN 0000021909734 LAST_NAME ROBBINS ADDRESS 6580 BELLWOOD DR WEST CITY THEODORE STATE AL ZIP 365820000 MORT $75,000.00 BAL $74,767.35 RATE 8.7500 PAI $662.78 CLTV 72.463 MATURITY 170924 FEE 0.5000 LOAN 0000021909742 LAST_NAME NELSON ADDRESS 1501 BUK COURT CITY COLUMBUS STATE GA ZIP 319040000 MORT $101,600.00 BAL $101,600.00 RATE 8.0500 PAI $749.05 CLTV 80.000 MATURITY 121107 FEE 0.5000 LOAN 0000021909759 LAST_NAME KENNISTON ADDRESS 12 MATTHEW LANE CITY NORTH HAVEN STATE CT ZIP 064730000 MORT $65,000.00 BAL $65,000.00 RATE 7.8500 PAI $783.49 CLTV 50.000 MATURITY 71117 FEE 0.5000 LOAN 0000021909791 LAST_NAME RAWLS ADDRESS 518 DIVISION ST CITY JENKINTOWN STATE PA ZIP 190460000 MORT $77,500.00 BAL $77,500.00 RATE 9.6000 PAI $657.32 CLTV 73.113 MATURITY 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323010000 MORT $21,500.00 BAL $21,275.26 RATE 9.4000 PAI $223.22 CLTV 36.440 MATURITY 121017 FEE 0.5000 LOAN 0000021911003 LAST_NAME KING ADDRESS 13 NORTH LAUREL STREET CITY MILLVILLE STATE NJ ZIP 083320000 MORT $76,500.00 BAL $76,167.25 RATE 11.9900 PAI $1,097.11 CLTV 85.000 MATURITY 71001 FEE 0.5000 LOAN 0000021911045 LAST_NAME CHIDESTER ADDRESS 878 CYPRESS AVE CITY BRICK TOWNS STATE NJ ZIP 087230000 MORT $88,000.00 BAL $87,965.33 RATE 10.6000 PAI $811.56 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021911086 LAST_NAME TETREAULT ADDRESS 92 PECKHAM ROAD CITY ACUSHNET STATE MA ZIP 027430000 MORT $70,000.00 BAL $69,890.44 RATE 8.6500 PAI $614.14 CLTV 75.268 MATURITY 171027 FEE 0.5000 LOAN 0000021911094 LAST_NAME PERDOMO ADDRESS 12244 SW 195 TERRACE CITY MIAMI STATE FL ZIP 331770000 MORT $21,500.00 BAL $21,500.00 RATE 12.2500 PAI $261.50 CLTV 79.536 MATURITY 121101 FEE 0.5000 LOAN 0000021911110 LAST_NAME LA GAMMA ADDRESS 436 LONG BOAT AVENUE CITY BEACHWOOD STATE NJ ZIP 087220000 MORT $132,900.00 BAL $132,858.91 RATE 11.6500 PAI $1,331.33 CLTV 89.194 MATURITY 271001 FEE 0.5000 LOAN 0000021911136 LAST_NAME THORNTON ADDRESS 76 CHESTNUT STREET CITY WOODBURY CI STATE NJ ZIP 080960000 MORT $93,600.00 BAL $93,389.82 RATE 11.2500 PAI $982.10 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021911177 LAST_NAME EVANS ADDRESS 714 ELIZABETH AVENUE CITY TOMS RIVER STATE NJ ZIP 087530000 MORT $43,700.00 BAL $43,700.00 RATE 9.9900 PAI $421.42 CLTV 58.266 MATURITY 171101 FEE 0.5000 LOAN 0000021911318 LAST_NAME ROSENHAHN ADDRESS 254 CLOVERSIDE DRIVE CITY WEST SENECA STATE NY ZIP 192240000 MORT $89,200.00 BAL $89,070.88 RATE 9.7000 PAI $843.15 CLTV 84.952 MATURITY 171020 FEE 0.5000 LOAN 0000021911334 LAST_NAME STURCHIO ADDRESS 190 FOX HILL ROAD CITY STRATFORD STATE CT ZIP 064970000 MORT $89,000.00 BAL $88,952.39 RATE 9.1000 PAI $722.53 CLTV 42.380 MATURITY 271016 FEE 0.5000 LOAN 0000021911458 LAST_NAME RANTON ADDRESS 1801 FILBERT ST CITY GLASSBORO STATE NJ ZIP 080280000 MORT $101,300.00 BAL $100,797.83 RATE 9.7500 PAI $1,073.13 CLTV 79.140 MATURITY 121001 FEE 0.5000 LOAN 0000021911466 LAST_NAME PRESTON ADDRESS 96 WOODLAND AVENUE CITY EWING TOWNS STATE NJ ZIP 080160000 MORT $162,000.00 BAL $161,947.66 RATE 11.4500 PAI $1,598.09 CLTV 90.000 MATURITY 120917 FEE 0.5000 LOAN 0000021911474 LAST_NAME RIVERA ADDRESS 136 CARDINAL LANE CITY VOORHEES TO STATE NJ ZIP 080430000 MORT $162,400.00 BAL $162,188.90 RATE 10.1000 PAI $1,577.97 CLTV 80.000 MATURITY 171003 FEE 0.5000 LOAN 0000021911482 LAST_NAME BAILEY ADDRESS 1246 EAST FRONT STREET CITY PLAINFIELD STATE NJ ZIP 070620000 MORT $143,100.00 BAL $142,963.88 RATE 12.4500 PAI $1,620.78 CLTV 90.000 MATURITY 170926 FEE 0.5000 LOAN 0000021911524 LAST_NAME THURLOW ADDRESS 1 HEMLOCK DRIVE CITY EGG HARBOR STATE NJ ZIP 082340000 MORT $102,700.00 BAL $102,675.71 RATE 12.8500 PAI $1,124.04 CLTV 74.420 MATURITY 121001 FEE 0.5000 LOAN 0000021911540 LAST_NAME MCDONALD ADDRESS 11696 US HWY 62 EAST CITY CENTRAL CIT STATE KY ZIP 423300000 MORT $68,400.00 BAL $68,379.54 RATE 11.8000 PAI $693.06 CLTV 90.000 MATURITY 121003 FEE 0.5000 LOAN 0000021911573 LAST_NAME DICKENS ADDRESS 726 TOMAHAWK DR CITY PAYSON STATE UT ZIP 846510000 MORT $90,400.00 BAL $90,303.44 RATE 8.5500 PAI $698.30 CLTV 80.000 MATURITY 271101 FEE 0.5000 LOAN 0000021911581 LAST_NAME FALEY ADDRESS 18 JORDAN DRIVE CITY VERNON TOWN STATE NJ ZIP 074220000 MORT $145,200.00 BAL $145,139.76 RATE 10.3000 PAI $1,306.54 CLTV 87.469 MATURITY 121001 FEE 0.5000 LOAN 0000021911599 LAST_NAME LEMOINE ADDRESS 13946 LEIGHWOOD AVENUE CITY BATON ROUGE STATE LA ZIP 708150000 MORT $40,600.00 BAL $40,600.00 RATE 8.6000 PAI $586.41 CLTV 78.112 MATURITY 51103 FEE 0.5000 LOAN 0000021911649 LAST_NAME GUNN ADDRESS 5272 OLD RICHMOND RD CITY DANVILLE STATE VA ZIP 245400000 MORT $60,800.00 BAL $60,634.79 RATE 9.7900 PAI $578.30 CLTV 80.000 MATURITY 170825 FEE 0.5000 LOAN 0000021911664 LAST_NAME WHITFIELD ADDRESS 3609 WOODBURY DRIVE CITY COLUMBIA STATE SC ZIP 292040000 MORT $62,100.00 BAL $62,059.15 RATE 11.3900 PAI $609.76 CLTV 90.000 MATURITY 120902 FEE 0.5000 LOAN 0000021911680 LAST_NAME WASHINGTON ADDRESS 130 KOTH RD CITY WALTERBORO STATE SC ZIP 294880000 MORT $54,000.00 BAL $53,982.93 RATE 11.5500 PAI $536.82 CLTV 90.000 MATURITY 121002 FEE 0.5000 LOAN 0000021911797 LAST_NAME CARTWRIGHT ADDRESS 600 HUDSON STREET CITY HAWLEY BORO STATE PA ZIP 184280000 MORT $64,000.00 BAL $64,000.00 RATE 8.0500 PAI $613.47 CLTV 75.294 MATURITY 121113 FEE 0.5000 LOAN 0000021911839 LAST_NAME WHITE ADDRESS 5 HIGHWOOD AVENUE CITY NORWALK STATE CT ZIP 068500000 MORT $126,000.00 BAL $126,000.00 RATE 8.2500 PAI $946.60 CLTV 78.750 MATURITY 271110 FEE 0.5000 LOAN 0000021911896 LAST_NAME MILLS ADDRESS 106 BELVUE RD CITY TRAVLERS RE STATE SC ZIP 296900000 MORT $47,600.00 BAL $47,498.17 RATE 11.5000 PAI $507.62 CLTV 85.000 MATURITY 170904 FEE 0.5000 LOAN 0000021912019 LAST_NAME FULMER ADDRESS 1329 MONTE VISTA DRIVE CITY GADSDEN STATE AL ZIP 359040000 MORT $75,650.00 BAL $75,631.49 RATE 12.7000 PAI $819.14 CLTV 85.000 MATURITY 120926 FEE 0.5000 LOAN 0000021912027 LAST_NAME SIEPERT ADDRESS HOLDENS LOOP CITY ISLAND PARK STATE ID ZIP 834290000 MORT $52,150.00 BAL $52,113.54 RATE 8.0500 PAI $384.48 CLTV 70.000 MATURITY 121016 FEE 0.5000 LOAN 0000021912035 LAST_NAME BURNS ADDRESS 1 HOT ROD LN CITY HENDERSONVI STATE NC ZIP 287920000 MORT $78,200.00 BAL $77,992.92 RATE 9.9900 PAI $754.13 CLTV 85.000 MATURITY 170919 FEE 0.5000 LOAN 0000021912043 LAST_NAME RUDD ADDRESS 134 EAST 1000 SOUTH CITY BOUNTIFUL STATE UT ZIP 840100000 MORT $85,000.00 BAL $84,756.53 RATE 8.1000 PAI $817.22 CLTV 64.885 MATURITY 121017 FEE 0.5000 LOAN 0000021912084 LAST_NAME LAMBERT ADDRESS 1621 HUFFMAN FORK ROAD CITY PURLEAR STATE NC ZIP 286650000 MORT $68,000.00 BAL $68,000.00 RATE 9.9000 PAI $726.58 CLTV 85.000 MATURITY 121103 FEE 0.5000 LOAN 0000021912100 LAST_NAME WRIGHT ADDRESS 2229 GENTLE STREET CITY CODY STATE WY ZIP 824140000 MORT $46,000.00 BAL $45,983.60 RATE 11.0000 PAI $438.07 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$48,000.00 BAL $47,973.72 RATE 8.9900 PAI $385.88 CLTV 80.000 MATURITY 271003 FEE 0.5000 LOAN 0000021914072 LAST_NAME ARDEN ADDRESS 2690 CLARENDON DRIVE CITY DAYTON STATE OH ZIP 454400000 MORT $85,000.00 BAL $84,548.64 RATE 8.9900 PAI $861.63 CLTV 75.892 MATURITY 120926 FEE 0.5000 LOAN 0000021914114 LAST_NAME COLLINS ADDRESS 1405 US HIGHWAY 50 CITY MILFORD STATE OH ZIP 451500000 MORT $44,000.00 BAL $43,974.42 RATE 8.7000 PAI $344.58 CLTV 57.894 MATURITY 121001 FEE 0.5000 LOAN 0000021914155 LAST_NAME STRINGFIELD ADDRESS 329 INGLESIDE AVE CITY DAYTON STATE OH ZIP 454040000 MORT $53,200.00 BAL $52,582.71 RATE 8.7500 PAI $418.53 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021914205 LAST_NAME DORNAI ADDRESS 20001 BEACHVIEW DRIVE CITY EUCLID STATE OH ZIP 441170000 MORT $88,000.00 BAL $87,855.90 RATE 8.2900 PAI $752.03 CLTV 80.000 MATURITY 170930 FEE 0.5000 LOAN 0000021914221 LAST_NAME LAWRENCE ADDRESS 7603 RUDDEROW AVENUE CITY PENNSAUKEN STATE NJ ZIP 081090000 MORT $91,200.00 BAL $91,200.00 RATE 9.5500 PAI $1,182.60 CLTV 80.000 MATURITY 71030 FEE 0.5000 LOAN 0000021914288 LAST_NAME MILLER ADDRESS 5365 S MARYKNOLL DRIVE CITY NEW BERLIN STATE WI ZIP 531510000 MORT $140,800.00 BAL $140,018.87 RATE 8.5000 PAI $1,386.52 CLTV 80.000 MATURITY 120924 FEE 0.5000 LOAN 0000021914304 LAST_NAME COMPTON ADDRESS 796 S SEVENTH STREET CITY INDEPENDENC STATE OR ZIP 973510000 MORT $88,000.00 BAL $87,946.14 RATE 8.4500 PAI $673.53 CLTV 78.571 MATURITY 121027 FEE 0.5000 LOAN 0000021914346 LAST_NAME OLIVEROS ADDRESS 1004 S WARREN ST CITY PEORIA STATE IL ZIP 616050000 MORT $17,200.00 BAL $15,757.12 RATE 9.5000 PAI $222.56 CLTV 68.800 MATURITY 70829 FEE 0.5000 LOAN 0000021914387 LAST_NAME JONES ADDRESS 1756 E FIELD DR N CITY COLUMBUS STATE OH ZIP 432230000 MORT $60,300.00 BAL $60,278.45 RATE 10.9900 PAI $573.80 CLTV 90.000 MATURITY 120930 FEE 0.5000 LOAN 0000021914429 LAST_NAME GRIEBEL ADDRESS 5515 GILBERT AVE CITY PARMA STATE OH ZIP 441290000 MORT $105,300.00 BAL $105,251.16 RATE 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CITY CHICAGO STATE IL ZIP 606290000 MORT $54,404.00 BAL $54,404.00 RATE 9.4000 PAI $503.57 CLTV 80.000 MATURITY 171126 FEE 0.5000 LOAN 0000021915558 LAST_NAME TAYLOR ADDRESS 806 S. RIBBLE AVENUE CITY MUNCIE STATE IN ZIP 473020000 MORT $23,000.00 BAL $23,000.00 RATE 8.6500 PAI $228.52 CLTV 56.097 MATURITY 121030 FEE 0.5000 LOAN 0000021915616 LAST_NAME LILLY ADDRESS 5502 OAKCREST RD CITY SUMTER STATE SC ZIP 291540000 MORT $40,000.00 BAL $39,972.00 RATE 7.7900 PAI $287.67 CLTV 75.471 MATURITY 120923 FEE 0.5000 LOAN 0000021915624 LAST_NAME COX ADDRESS 13 GATES ROAD CITY MARSHFIELD STATE MA ZIP 020500000 MORT $123,200.00 BAL $123,200.00 RATE 9.2000 PAI $1,009.08 CLTV 80.000 MATURITY 271126 FEE 0.5000 LOAN 0000021915632 LAST_NAME MENISSIAN ADDRESS 20 WHIPPLE STREET CITY PROVIDENCE STATE RI ZIP 029080000 MORT $66,300.00 BAL $66,300.00 RATE 9.6000 PAI $562.34 CLTV 85.000 MATURITY 121118 FEE 0.5000 LOAN 0000021915640 LAST_NAME BLACKWELL ADDRESS 2701 STUDLEY RD CITY CHARLOTTE STATE NC ZIP 282120000 MORT $78,000.00 BAL $77,944.39 RATE 7.7000 PAI $556.11 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021915681 LAST_NAME ADKINS ADDRESS 7821 KLOVSTAD DRIVE CITY FORT WASHIN STATE MD ZIP 207440000 MORT $129,600.00 BAL $129,185.62 RATE 9.2000 PAI $1,182.77 CLTV 80.000 MATURITY 170908 FEE 0.5000 LOAN 0000021915723 LAST_NAME TOWNSHEND ADDRESS 12406 CRAIN HIGHWAY CITY BRANDYWINE STATE MD ZIP 206130000 MORT $60,500.00 BAL $60,000.01 RATE 12.9500 PAI $901.55 CLTV 42.907 MATURITY 70915 FEE 0.5000 LOAN 0000021915749 LAST_NAME HAWKINS ADDRESS 7846 S CARPENTER ST CITY CHICAGO STATE IL ZIP 606210000 MORT $72,000.00 BAL $71,915.82 RATE 8.6900 PAI $563.34 CLTV 72.727 MATURITY 120927 FEE 0.5000 LOAN 0000021915772 LAST_NAME PRICE ADDRESS 218 E NARCISSUS CITY INDIANAPOLI STATE IN ZIP 462270000 MORT $26,150.00 BAL $26,049.13 RATE 10.2500 PAI $256.70 CLTV 84.973 MATURITY 170929 FEE 0.5000 LOAN 0000021915806 LAST_NAME MCDANIEL ADDRESS 20 WOFFORD ST CITY CARTERSVILL STATE GA ZIP 301200000 MORT $88,800.00 BAL $88,526.26 RATE 8.8000 PAI $787.57 CLTV 80.000 MATURITY 170915 FEE 0.5000 LOAN 0000021915814 LAST_NAME SMITH ADDRESS 11411 S RACINE CITY CHICAGO STATE IL ZIP 606430000 MORT $84,000.00 BAL $83,953.15 RATE 8.9000 PAI $669.85 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021915822 LAST_NAME TRUSS ADDRESS 1113 EAST AVE CITY AKRON STATE OH ZIP 443070000 MORT $43,300.00 BAL $43,236.80 RATE 9.2000 PAI $395.17 CLTV 75.964 MATURITY 171007 FEE 0.5000 LOAN 0000021915848 LAST_NAME PUGH ADDRESS 5029 WENDOVER DRIVE CITY BIRMINGHAM STATE AL ZIP 352230000 MORT $165,000.00 BAL $165,000.00 RATE 9.0000 PAI $1,673.55 CLTV 76.923 MATURITY 121104 FEE 0.5000 LOAN 0000021915871 LAST_NAME OSTROWSKI ADDRESS 44 BERWICK CIRCLE #2 CITY SHALIMAR STATE FL ZIP 325790000 MORT $40,050.00 BAL $40,050.00 RATE 9.1000 PAI $325.14 CLTV 71.517 MATURITY 121101 FEE 0.5000 LOAN 0000021915905 LAST_NAME ABRAHAM ADDRESS 8334 MIDDLE RD CITY OOLTEWAH STATE TN ZIP 373630000 MORT $69,300.00 BAL $69,272.16 RATE 10.4500 PAI $631.33 CLTV 90.000 MATURITY 271027 FEE 0.5000 LOAN 0000021916119 LAST_NAME LEWIS ADDRESS 813 LEROY STREET CITY LORAIN STATE OH ZIP 440520000 MORT $60,000.00 BAL $59,887.82 RATE 8.2900 PAI $512.75 CLTV 80.000 MATURITY 171009 FEE 0.5000 LOAN 0000021916176 LAST_NAME HARVEY ADDRESS 4357 BIG PINE ROAD CITY TALLAHASSEE STATE FL ZIP 323100000 MORT $41,000.00 BAL $40,892.14 RATE 9.0500 PAI $417.07 CLTV 43.157 MATURITY 121101 FEE 0.5000 LOAN 0000021916218 LAST_NAME MURRAY ADDRESS 2037 DIVISION ST CITY BALTIMORE STATE MD ZIP 212170000 MORT $14,200.00 BAL $14,134.22 RATE 10.4900 PAI $156.88 CLTV 74.736 MATURITY 120917 FEE 0.5000 LOAN 0000021916226 LAST_NAME PRATTS ADDRESS 84-86 LAURA STREET CITY PROVIDENCE STATE RI ZIP 029070000 MORT $22,000.00 BAL $22,000.00 RATE 8.9500 PAI $176.23 CLTV 67.692 MATURITY 271101 FEE 0.5000 LOAN 0000021916267 LAST_NAME STATON ADDRESS 2248 FRONT ROYAL PIKE CITY WINCHESTER STATE VA ZIP 226020000 MORT $46,000.00 BAL $45,792.75 RATE 10.7900 PAI $516.78 CLTV 48.421 MATURITY 120920 FEE 0.5000 LOAN 0000021916275 LAST_NAME BENNETT ADDRESS 1145 STEWART STREET CITY TERRE HAUTE STATE IN ZIP 478020000 MORT $70,200.00 BAL $70,165.43 RATE 10.2500 PAI $629.07 CLTV 90.000 MATURITY 121007 FEE 0.5000 LOAN 0000021916309 LAST_NAME TIMKO ADDRESS 3515 OLIVER ST CITY HYATTSVILLE STATE MD ZIP 207820000 MORT $49,700.00 BAL $49,184.13 RATE 8.9900 PAI $629.31 CLTV 43.406 MATURITY 70904 FEE 0.5000 LOAN 0000021916317 LAST_NAME KRAUSE ADDRESS 4015 UMATILLA STREET CITY DENVER STATE CO ZIP 802110000 MORT $18,370.00 BAL $18,370.00 RATE 10.2500 PAI $200.23 CLTV 82.617 MATURITY 121121 FEE 0.5000 LOAN 0000021916374 LAST_NAME MORALES ADDRESS 6550 HARDING STREET CITY HOLLYWOOD STATE FL ZIP 330240000 MORT $45,000.00 BAL $44,932.54 RATE 8.9900 PAI $404.59 CLTV 45.918 MATURITY 171010 FEE 0.5000 LOAN 0000021916432 LAST_NAME TRAYWICK ADDRESS 4080 E 139TH ST CITY CLEVELAND STATE OH ZIP 441050000 MORT $58,500.00 BAL $58,462.34 RATE 11.4900 PAI $578.88 CLTV 90.000 MATURITY 270918 FEE 0.5000 LOAN 0000021916473 LAST_NAME MCCRAY ADDRESS 908 S SARASOTA CITY YORKTOWN STATE IN ZIP 473760000 MORT $56,000.00 BAL $55,848.63 RATE 8.7500 PAI $559.70 CLTV 68.292 MATURITY 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WILKESBO STATE NC ZIP 286590000 MORT $81,000.00 BAL $81,000.00 RATE 10.3500 PAI $800.55 CLTV 90.000 MATURITY 171104 FEE 0.5000 LOAN 0000021916614 LAST_NAME GREEN ADDRESS 1200 DRUM AVENUE CITY CAPITOL HEI STATE MD ZIP 207430000 MORT $88,000.00 BAL $87,958.94 RATE 9.7500 PAI $756.06 CLTV 80.000 MATURITY 271105 FEE 0.5000 LOAN 0000021916630 LAST_NAME LEE ADDRESS 3940 CARRINGTON WAY CITY HAMILTON STATE OH ZIP 450110000 MORT $104,000.00 BAL $103,877.12 RATE 8.6400 PAI $810.02 CLTV 80.000 MATURITY 270924 FEE 0.5000 LOAN 0000021916648 LAST_NAME BELLIS ADDRESS 771 BLUEBIRD DRIVE CITY CONYERS STATE GA ZIP 300940000 MORT $24,400.00 BAL $24,279.59 RATE 9.8000 PAI $259.23 CLTV 56.529 MATURITY 120917 FEE 0.5000 LOAN 0000021916671 LAST_NAME DUREN ADDRESS 6098 LIANA LEE DR CITY JACKSONVILL STATE FL ZIP 322340000 MORT $30,000.00 BAL $30,000.00 RATE 9.9500 PAI $395.63 CLTV 60.000 MATURITY 71112 FEE 0.5000 LOAN 0000021916747 LAST_NAME CARR ADDRESS 19048 WATERCREST AVE CITY MAPLE HEIGH STATE OH ZIP 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PAI $755.58 CLTV 83.823 MATURITY 171113 FEE 0.5000 LOAN 0000021916994 LAST_NAME PANAGOS ADDRESS 5350 CORALITE STREET CITY CITY OF LON STATE CA ZIP 908080000 MORT $50,000.00 BAL $50,000.00 RATE 9.5500 PAI $467.70 CLTV 72.967 MATURITY 171126 FEE 0.5000 LOAN 0000021917067 LAST_NAME HERNANDEZ ADDRESS 19 HAYES STREET CITY FRAMINGHAM STATE MA ZIP 017010000 MORT $120,000.00 BAL $120,000.00 RATE 8.6500 PAI $935.49 CLTV 80.000 MATURITY 271125 FEE 0.5000 LOAN 0000021917075 LAST_NAME HOWARD ADDRESS 22 LAREDO DRIVE CITY SARALAND STATE AL ZIP 365710000 MORT $68,000.00 BAL $67,927.96 RATE 11.6500 PAI $732.21 CLTV 80.000 MATURITY 171104 FEE 0.5000 LOAN 0000021917091 LAST_NAME SIMMONS ADDRESS 709 DAUPHIN ISLAND PKWY CITY MOBILE STATE AL ZIP 366060000 MORT $23,625.00 BAL $23,625.00 RATE 12.9500 PAI $298.14 CLTV 75.000 MATURITY 121101 FEE 0.5000 LOAN 0000021917109 LAST_NAME PROCTOR ADDRESS 345 LANCASTER AVENUE CITY LUNENBURG STATE MA ZIP 014620000 MORT $124,000.00 BAL $124,000.00 RATE 8.6500 PAI $966.66 CLTV 80.000 MATURITY 271124 FEE 0.5000 LOAN 0000021917158 LAST_NAME LONGO ADDRESS 2616 W 122ND STREET CITY BLUE ISLAND STATE IL ZIP 604060000 MORT $90,950.00 BAL $90,950.00 RATE 9.5500 PAI $768.08 CLTV 85.000 MATURITY 121118 FEE 0.5000 LOAN 0000021917232 LAST_NAME PIERCEFIELD ADDRESS 1580 SAYLOR STREET CITY ZIONSVILLE STATE IN ZIP 460770000 MORT $140,800.00 BAL $140,800.00 RATE 8.0000 PAI $1,177.71 CLTV 80.000 MATURITY 171117 FEE 0.5000 LOAN 0000021917448 LAST_NAME VOYLES ADDRESS 1827 WILLIAMS AVE CITY CINCINNATI STATE OH ZIP 452120000 MORT $72,400.00 BAL $72,371.22 RATE 10.5000 PAI $662.28 CLTV 82.272 MATURITY 120929 FEE 0.5000 LOAN 0000021917513 LAST_NAME ECHOLS ADDRESS 3050 US HIGHWAY 158 CITY REIDSVILLE STATE NC ZIP 273200000 MORT $81,000.00 BAL $80,967.81 RATE 10.5000 PAI $740.94 CLTV 90.000 MATURITY 121001 FEE 0.5000 LOAN 0000021917638 LAST_NAME COLNA ADDRESS RR3, BOX 397 CITY WATSONTOWN STATE PA ZIP 177770000 MORT $87,500.00 BAL $87,268.55 RATE 8.9900 PAI $886.97 CLTV 84.951 MATURITY 121030 FEE 0.5000 LOAN 0000021917695 LAST_NAME FETTINGER ADDRESS 3922 W. STATE ROAD 62 CITY ENGLISH STATE IN ZIP 471180000 MORT $45,900.00 BAL $45,900.00 RATE 9.6000 PAI $482.08 CLTV 85.000 MATURITY 121107 FEE 0.5000 LOAN 0000021917711 LAST_NAME ROBINSON ADDRESS 11219 S VERNON CITY CHICAGO STATE IL ZIP 606280000 MORT $36,400.00 BAL $36,400.00 RATE 8.8000 PAI $364.88 CLTV 50.555 MATURITY 121106 FEE 0.5000 LOAN 0000021917745 LAST_NAME BLAKEMORE ADDRESS 603 W 16TH PLACE CITY CHICAGO HEI STATE IL ZIP 604110000 MORT $67,150.00 BAL $67,150.00 RATE 8.8500 PAI $533.08 CLTV 85.000 MATURITY 121107 FEE 0.5000 LOAN 0000021917752 LAST_NAME GRIFFIN ADDRESS 41 SOUTH STREET CITY ANSONIA STATE CT ZIP 064010000 MORT $63,000.00 BAL $63,000.00 RATE 8.5000 PAI $484.42 CLTV 67.021 MATURITY 271111 FEE 0.5000 LOAN 0000021917778 LAST_NAME CREAMER ADDRESS 2722 S.F STREET CITY ELWOOD STATE IN ZIP 460360000 MORT $25,000.00 BAL $25,000.00 RATE 8.6500 PAI $248.39 CLTV 45.045 MATURITY 121107 FEE 0.5000 LOAN 0000021917794 LAST_NAME GRIFFIN ADDRESS 13515 GREEN MEADOW DRIVE CITY ELBERT STATE CO ZIP 801060000 MORT $85,000.00 BAL $85,000.00 RATE 9.1500 PAI $693.13 CLTV 85.000 MATURITY 271112 FEE 0.5000 LOAN 0000021917851 LAST_NAME BARNES ADDRESS 408 PINE AVENUE CITY BLACKWOOD STATE NJ ZIP 080120000 MORT $45,000.00 BAL $45,000.00 RATE 11.8500 PAI $457.69 CLTV 39.473 MATURITY 271103 FEE 0.5000 LOAN 0000021917869 LAST_NAME PIERCE ADDRESS 1224 ROUTE 49, BOX 1162 CITY BRIDGETON STATE NJ ZIP 083020000 MORT $66,350.00 BAL $66,350.00 RATE 9.4500 PAI $555.49 CLTV 78.058 MATURITY 271112 FEE 0.5000 LOAN 0000021917901 LAST_NAME COLBERT ADDRESS 174 LEWIS LANE RD NE CITY CLEVELAND STATE TN ZIP 373120000 MORT $116,800.00 BAL $116,744.81 RATE 9.6900 PAI $998.35 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021918149 LAST_NAME OSBORNE ADDRESS 1016 HOMEVIEW DRIVE CITY LOUISVILLE STATE KY ZIP 402150000 MORT $45,000.00 BAL $45,000.00 RATE 9.7500 PAI $426.84 CLTV 90.000 MATURITY 171103 FEE 0.5000 LOAN 0000021918255 LAST_NAME MULLINIX ADDRESS 826 25TH AVENUE NORTH CITY ST PETERSBU STATE FL ZIP 337040000 MORT $40,000.00 BAL $40,000.00 RATE 9.0500 PAI $323.29 CLTV 61.538 MATURITY 271117 FEE 0.5000 LOAN 0000021918263 LAST_NAME ARMAND ADDRESS 2 SHAWONDASEE RD CITY VERNON TOWN STATE NJ ZIP 074220000 MORT $144,900.00 BAL $144,848.22 RATE 10.9900 PAI $1,378.82 CLTV 90.000 MATURITY 271014 FEE 0.5000 LOAN 0000021918289 LAST_NAME PURNELL ADDRESS 1 FELTMAN PLACE CITY WEST DEPTFO STATE NJ ZIP 080860000 MORT $111,000.00 BAL $110,853.64 RATE 9.9900 PAI $1,070.44 CLTV 76.551 MATURITY 171016 FEE 0.5000 LOAN 0000021918313 LAST_NAME WILSON ADDRESS 15 N 22ND ST CITY CITY OF EAS STATE NJ ZIP 070170000 MORT $69,600.00 BAL $69,513.56 RATE 10.4500 PAI $692.54 CLTV 65.660 MATURITY 171020 FEE 0.5000 LOAN 0000021918347 LAST_NAME ROFF ADDRESS 4 W LAKEVIEW DR CITY MONTAGUE TO STATE NJ ZIP 078970000 MORT $99,300.00 BAL $99,176.68 RATE 10.4500 PAI $988.06 CLTV 79.440 MATURITY 171017 FEE 0.5000 LOAN 0000021918412 LAST_NAME BOOKWALTER ADDRESS 2 VIENNA COURT CITY HAMPTON STATE VA ZIP 236660000 MORT $82,450.00 BAL $82,450.00 RATE 10.8500 PAI $842.64 CLTV 85.000 MATURITY 171118 FEE 0.5000 LOAN 0000021918438 LAST_NAME ZAKRZEWSKI ADDRESS 724 WOODLYNNE AVE CITY COLLINGSWOO STATE NJ ZIP 081070000 MORT $73,900.00 BAL $73,816.30 RATE 11.1500 PAI $770.35 CLTV 84.942 MATURITY 171017 FEE 0.5000 LOAN 0000021918461 LAST_NAME FREEMAN ADDRESS 305 BELMAR AVE CITY NEPTUNE TOW STATE NJ ZIP 077530000 MORT $100,800.00 BAL $100,762.05 RATE 10.7500 PAI $940.95 CLTV 80.000 MATURITY 121015 FEE 0.5000 LOAN 0000021918610 LAST_NAME HUMPHREY ADDRESS 2838 ARGYLE DRIVE CITY ATLANTA STATE GA ZIP 303180000 MORT $48,600.00 BAL $48,600.00 RATE 9.9500 PAI $467.40 CLTV 90.000 MATURITY 171113 FEE 0.5000 LOAN 0000021918628 LAST_NAME REYNOLDS ADDRESS 7930 KIMBRO LANE CITY ORLANDO STATE FL ZIP 328180000 MORT $50,000.00 BAL $50,000.00 RATE 9.1500 PAI $511.61 CLTV 44.247 MATURITY 121101 FEE 0.5000 LOAN 0000021918776 LAST_NAME DIXON ADDRESS 23 KENNEDY LN CITY PEMBERTON T STATE NJ ZIP 080680000 MORT $104,000.00 BAL $103,762.87 RATE 9.9900 PAI $1,002.93 CLTV 80.000 MATURITY 171014 FEE 0.5000 LOAN 0000021918966 LAST_NAME THOMAS ADDRESS 13535 STAHELIN CITY DETROIT STATE MI ZIP 482230000 MORT $28,050.00 BAL $28,050.00 RATE 9.7000 PAI $239.97 CLTV 85.000 MATURITY 271126 FEE 0.5000 LOAN 0000021919220 LAST_NAME MCCLAIN ADDRESS 169 LESLIE STREET CITY BLOOMFIELD STATE NJ ZIP 070030000 MORT $84,800.00 BAL $84,800.00 RATE 8.4500 PAI $988.70 CLTV 72.478 MATURITY 81112 FEE 0.5000 LOAN 0000021919444 LAST_NAME GONZALES ADDRESS 5060 W 29TH ST. CITY CICERO STATE IL ZIP 608040000 MORT $87,300.00 BAL $87,300.00 RATE 9.7500 PAI $828.06 CLTV 90.000 MATURITY 171114 FEE 0.5000 LOAN 0000021919485 LAST_NAME BRUBAKER ADDRESS 173 WERTZ DRIVE CITY LARGO STATE FL ZIP 337710000 MORT $48,800.00 BAL $48,800.00 RATE 9.0500 PAI $394.42 CLTV 80.000 MATURITY 271104 FEE 0.5000 LOAN 0000021919634 LAST_NAME CLARK ADDRESS 104 MITCHELL AVENUE CITY BAY MINETTE STATE AL ZIP 365070000 MORT $17,000.00 BAL $17,000.00 RATE 11.9500 PAI $243.41 CLTV 28.333 MATURITY 71119 FEE 0.5000 LOAN 0000021919758 LAST_NAME JARRETT ADDRESS 3716 MONMOUTH PLACE CITY BURTONSVILL STATE MD ZIP 208660000 MORT $18,000.00 BAL $17,823.43 RATE 9.9900 PAI $237.77 CLTV 79.624 MATURITY 70927 FEE 0.5000 LOAN 0000021919824 LAST_NAME DAVIS ADDRESS 76 URQUHART STREET CITY CRANSTON STATE RI ZIP 029100000 MORT $63,000.00 BAL $62,905.55 RATE 8.9900 PAI $566.43 CLTV 49.218 MATURITY 171023 FEE 0.5000 LOAN 0000021920194 LAST_NAME WATSON ADDRESS 521 EPTINGS CAMP ROAD CITY CHAPIN STATE SC ZIP 290360000 MORT $84,000.00 BAL $83,959.55 RATE 9.6000 PAI $712.45 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021920244 LAST_NAME WOMBLE ADDRESS 1506 CHEROKEE ST CITY PASCAGOULA STATE MS ZIP 395810000 MORT $46,750.00 BAL $46,750.00 RATE 9.6500 PAI $440.36 CLTV 85.000 MATURITY 171101 FEE 0.5000 LOAN 0000021920285 LAST_NAME BERSCHEID ADDRESS 808 WILLOW AVE. CITY BELLEVUE STATE NE ZIP 680050000 MORT $65,600.00 BAL $65,600.00 RATE 8.2000 PAI $490.53 CLTV 79.515 MATURITY 271117 FEE 0.5000 LOAN 0000021920459 LAST_NAME STRIEPEN ADDRESS 11 HAMPSHIRE DRIVE CITY FARMINGDALE STATE NY ZIP 117350000 MORT $94,000.00 BAL $93,895.55 RATE 8.7500 PAI $739.50 CLTV 56.626 MATURITY 121029 FEE 0.5000 LOAN 0000021920483 LAST_NAME HERSEY ADDRESS 1104 MAIN STREET CITY WARREN STATE MA ZIP 010830000 MORT $62,900.00 BAL $62,900.00 RATE 9.2000 PAI $515.19 CLTV 85.000 MATURITY 121113 FEE 0.5000 LOAN 0000021920616 LAST_NAME PORTUONDO ADDRESS 3600 TOLEDO STREET CITY CORAL GABLE STATE FL ZIP 331340000 MORT $105,000.00 BAL $105,000.00 RATE 9.9500 PAI $1,125.13 CLTV 84.965 MATURITY 121113 FEE 0.5000 LOAN 0000021920715 LAST_NAME EARVIN ADDRESS 221 W IOWA AVENUE CITY WHITEWELL STATE TN ZIP 373970000 MORT $36,000.00 BAL $36,000.00 RATE 9.3000 PAI $297.47 CLTV 78.260 MATURITY 271110 FEE 0.5000 LOAN 0000021920814 LAST_NAME PRYCE ADDRESS 61 WHITTLESEY AVENUE CITY EAST ORANGE STATE NJ ZIP 070180000 MORT $124,000.00 BAL $123,945.03 RATE 9.9900 PAI $1,087.27 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021920913 LAST_NAME WEBSTER ADDRESS 203 ALABAMA AVENUE CITY HEMPSTEAD STATE NY ZIP 115500000 MORT $163,200.00 BAL $162,784.51 RATE 9.2500 PAI $1,342.61 CLTV 80.000 MATURITY 271007 FEE 0.5000 LOAN 0000021921036 LAST_NAME ABROMITIS ADDRESS 569 2ND STREET CITY HIGHSPIRE STATE PA ZIP 170340000 MORT $38,500.00 BAL $38,340.36 RATE 9.9900 PAI $371.28 CLTV 70.000 MATURITY 170926 FEE 0.5000 LOAN 0000021921093 LAST_NAME MCGILL ADDRESS 2008 NEWTOWN RD CITY HAMPTON STATE VA ZIP 236630000 MORT $76,500.00 BAL $76,500.00 RATE 11.9500 PAI $839.67 CLTV 90.000 MATURITY 171118 FEE 0.5000 LOAN 0000021921119 LAST_NAME ARAQUE ADDRESS 98 OLD MILL ROAD CITY TOWN OF NEW STATE NY ZIP 125500000 MORT $48,715.00 BAL $48,346.66 RATE 10.2500 PAI $530.97 CLTV 80.000 MATURITY 120930 FEE 0.5000 LOAN 0000021921325 LAST_NAME FOX ADDRESS 97 RIDGEWOOD ROAD CITY CHARLESTOWN STATE RI ZIP 028130000 MORT $24,000.00 BAL $24,000.00 RATE 11.3000 PAI $334.69 CLTV 75.808 MATURITY 71029 FEE 0.5000 LOAN 0000021921341 LAST_NAME MARSH ADDRESS 4926 NEWTON AVENUE SOUTH CITY GULFPORT STATE FL ZIP 337070000 MORT $24,500.00 BAL $24,500.00 RATE 9.3500 PAI $253.63 CLTV 70.000 MATURITY 121126 FEE 0.5000 LOAN 0000021921366 LAST_NAME WHEELER ADDRESS 9254 RED CART COURT CITY COLUMBIA STATE MD ZIP 210450000 MORT $113,400.00 BAL $113,400.00 RATE 9.9900 PAI $994.33 CLTV 90.000 MATURITY 121017 FEE 0.5000 LOAN 0000021921440 LAST_NAME MACAULEY ADDRESS 11 TEKENING WAY CITY HAMILTON TO STATE NJ ZIP 086900000 MORT $129,600.00 BAL $129,431.68 RATE 10.9000 PAI $1,224.43 CLTV 80.000 MATURITY 121023 FEE 0.5000 LOAN 0000021921507 LAST_NAME HEATHER ADDRESS 1326 TEXAS AVENUE CITY JOLIET STATE IL ZIP 604350000 MORT $75,000.00 BAL $75,000.00 RATE 8.9000 PAI $598.08 CLTV 63.025 MATURITY 271118 FEE 0.5000 LOAN 0000021921614 LAST_NAME GOODIER ADDRESS 4816 MAYFLOWER STREET CITY MIDDLEBURG STATE FL ZIP 320680000 MORT $42,750.00 BAL $42,750.00 RATE 11.1500 PAI $411.98 CLTV 82.211 MATURITY 271124 FEE 0.5000 LOAN 0000021921663 LAST_NAME HYMAN ADDRESS 470 TAUNTON AVENUE CITY TOWNSHIP OF STATE NJ ZIP 080910000 MORT $115,200.00 BAL $115,040.25 RATE 9.6000 PAI $1,081.35 CLTV 90.000 MATURITY 171023 FEE 0.5000 LOAN 0000021921671 LAST_NAME FRANCISCO ADDRESS 211 MARTOOL DRIVE CITY WOODBRIDGE STATE NJ ZIP 070950000 MORT $207,000.00 BAL $205,723.28 RATE 9.9900 PAI $1,996.22 CLTV 90.000 MATURITY 171022 FEE 0.5000 LOAN 0000021921747 LAST_NAME MCLAUGHLIN ADDRESS 602 STEEL ROAD CITY MIDDLE TOWN STATE NJ ZIP 082100000 MORT $146,700.00 BAL $146,547.66 RATE 11.8000 PAI $1,594.89 CLTV 90.000 MATURITY 171022 FEE 0.5000 LOAN 0000021921945 LAST_NAME MALONEY ADDRESS 224 ITASCA STREET CITY MATTAPAN STATE MA ZIP 021260000 MORT $129,600.00 BAL $129,600.00 RATE 8.5000 PAI $1,276.23 CLTV 80.000 MATURITY 121130 FEE 0.5000 LOAN 0000021921994 LAST_NAME WINDSOR ADDRESS 38 DORCHESTER DRIVE CITY SOUTHAMPTON STATE NJ ZIP 080430000 MORT $37,800.00 BAL $37,681.78 RATE 10.9900 PAI $429.40 CLTV 90.000 MATURITY 121023 FEE 0.5000 LOAN 0000021922059 LAST_NAME KENWORTHY ADDRESS 21 EISENHOWER RD CITY NORWOOD STATE MA ZIP 020620000 MORT $191,250.00 BAL $190,684.86 RATE 8.9500 PAI $1,714.58 CLTV 85.000 MATURITY 171118 FEE 0.5000 LOAN 0000021922083 LAST_NAME BRODY ADDRESS 341 RIDGEFIELD ROAD CITY WILTON STATE CT ZIP 068970000 MORT $88,000.00 BAL $88,000.00 RATE 10.5000 PAI $972.75 CLTV 56.119 MATURITY 121106 FEE 0.5000 LOAN 0000021922133 LAST_NAME BOISSEAU ADDRESS 6144 SOUTH DAMEN CITY CHICAGO STATE IL ZIP 606360000 MORT $51,000.00 BAL $50,974.85 RATE 9.4900 PAI $428.47 CLTV 73.913 MATURITY 121020 FEE 0.5000 LOAN 0000021922257 LAST_NAME FIELDS ADDRESS 100 BEACHDALE ROAD CITY PORTSMOUTH STATE VA ZIP 237010000 MORT $66,000.00 BAL $66,000.00 RATE 9.6700 PAI $563.17 CLTV 80.000 MATURITY 121029 FEE 0.5000 LOAN 0000021922299 LAST_NAME MOUSSETTE ADDRESS 114 DUNE LN CITY OCEAN TOWNS STATE NJ ZIP 080050000 MORT $153,400.00 BAL 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BAUCHLE ADDRESS 15422 CLOVER RIDGE DRIVE CITY CHESTERFIEL STATE MO ZIP 630170000 MORT $151,300.00 BAL $151,239.94 RATE 10.5000 PAI $1,384.01 CLTV 85.000 MATURITY 121015 FEE 0.5000 LOAN 0000021923545 LAST_NAME MOULTON ADDRESS 130 BRADSTONE RD CITY IRMO STATE SC ZIP 290630000 MORT $67,200.00 BAL $67,105.60 RATE 9.5000 PAI $626.40 CLTV 80.000 MATURITY 171020 FEE 0.5000 LOAN 0000021923578 LAST_NAME BURNS ADDRESS 11862 US HIGHWAY 62 CITY WINCHESTER STATE OH ZIP 456970000 MORT $41,600.00 BAL $41,579.53 RATE 9.5000 PAI $349.80 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021923602 LAST_NAME PARKS ADDRESS 4821 RONALD DRIVE CITY MIDDLETOWN STATE OH ZIP 450420000 MORT $86,000.00 BAL $85,859.35 RATE 8.3000 PAI $735.48 CLTV 55.128 MATURITY 171017 FEE 0.5000 LOAN 0000021923610 LAST_NAME CARTER ADDRESS 151 THOMPSON DR CITY GREENVILLE STATE SC ZIP 296070000 MORT $55,675.00 BAL $55,599.84 RATE 10.4500 PAI $553.98 CLTV 85.000 MATURITY 171001 FEE 0.5000 LOAN 0000021923628 LAST_NAME DENNISTON ADDRESS 2618 FOWLER STREET CITY ANDERSON STATE IN ZIP 460120000 MORT $44,800.00 BAL $44,678.91 RATE 8.7500 PAI $447.76 CLTV 80.000 MATURITY 121020 FEE 0.5000 LOAN 0000021923701 LAST_NAME MANUEL ADDRESS 7249 JERRY DRIVE CITY WEST CHESTE STATE OH ZIP 450690000 MORT $97,600.00 BAL $97,539.64 RATE 8.4000 PAI $743.56 CLTV 80.000 MATURITY 271020 FEE 0.5000 LOAN 0000021923727 LAST_NAME STRANGFELD ADDRESS 274 E 300 NORTH CITY OREM STATE UT ZIP 840570000 MORT $87,330.00 BAL $87,330.00 RATE 8.2000 PAI $653.02 CLTV 71.000 MATURITY 271126 FEE 0.5000 LOAN 0000021923735 LAST_NAME MANNING ADDRESS 6328 BRIARGATE DRIVE CITY BURLINGTON STATE KY ZIP 410050000 MORT $100,000.00 BAL $99,942.34 RATE 8.7400 PAI $785.99 CLTV 80.000 MATURITY 121010 FEE 0.5000 LOAN 0000021923743 LAST_NAME WESTBURY ADDRESS 6614 PORTAGE AVE CITY PORTAGE STATE IN ZIP 463680000 MORT $91,000.00 BAL $90,859.36 RATE 8.7500 PAI $804.18 CLTV 80.000 MATURITY 171020 FEE 0.5000 LOAN 0000021923750 LAST_NAME CUMMINGS ADDRESS 608 BRIAN COURT CITY KOKOMO STATE IN ZIP 469010000 MORT $56,800.00 BAL $56,767.32 RATE 8.7500 PAI $446.85 CLTV 80.000 MATURITY 121010 FEE 0.5000 LOAN 0000021923784 LAST_NAME ARMSTRONG ADDRESS 405 N 4TH ST CITY MEBANE STATE NC ZIP 273020000 MORT $41,000.00 BAL $40,980.87 RATE 9.7500 PAI $352.26 CLTV 60.294 MATURITY 271006 FEE 0.5000 LOAN 0000021923834 LAST_NAME DEPUGH ADDRESS 2901 OAKHILL AVE CITY BALTIMORE STATE MD ZIP 212070000 MORT $36,000.00 BAL $36,000.00 RATE 8.2500 PAI $270.46 CLTV 46.153 MATURITY 271124 FEE 0.5000 LOAN 0000021923875 LAST_NAME FOSTER ADDRESS 2760 NW 23RD STREET CITY FORT LAUDER STATE FL ZIP 333110000 MORT $62,400.00 BAL $62,400.00 RATE 10.5000 PAI $570.80 CLTV 80.000 MATURITY 271101 FEE 0.5000 LOAN 0000021923909 LAST_NAME WEST ADDRESS 5717 JANDEL DRIVE CITY AURORA STATE IN ZIP 470010000 MORT $114,400.00 BAL $114,210.72 RATE 8.9900 PAI $919.67 CLTV 80.000 MATURITY 120903 FEE 0.5000 LOAN 0000021924022 LAST_NAME HAMMOND ADDRESS 1219 HAZEL STREET CITY CAYCE STATE SC ZIP 290330000 MORT $64,600.00 BAL $64,568.23 RATE 9.5000 PAI $543.19 CLTV 85.000 MATURITY 120926 FEE 0.5000 LOAN 0000021924097 LAST_NAME BIGELOW ADDRESS 81 SOUTH WORCESTER STREE CITY NORTON STATE MA ZIP 027660000 MORT $96,300.00 BAL $96,300.00 RATE 7.9900 PAI $705.95 CLTV 74.076 MATURITY 121103 FEE 0.5000 LOAN 0000021924204 LAST_NAME SPEEGLE ADDRESS 4979 COUNTY ROAD 37 CITY MUSCADINE STATE AL ZIP 362690000 MORT $25,000.00 BAL $24,954.96 RATE 13.1000 PAI $317.96 CLTV 62.500 MATURITY 121016 FEE 0.5000 LOAN 0000021924303 LAST_NAME MOORE ADDRESS 92 GUINESS DRIVE CITY CROSSVILLE STATE TN ZIP 385550000 MORT $51,000.00 BAL $50,876.84 RATE 9.9900 PAI $547.74 CLTV 85.000 MATURITY 121017 FEE 0.5000 LOAN 0000021924345 LAST_NAME JACKSON ADDRESS 2723 ASHLAND AVENUE CITY BALTIMORE STATE MD ZIP 212050000 MORT $37,000.00 BAL $36,911.14 RATE 10.0500 PAI $398.74 CLTV 71.153 MATURITY 121014 FEE 0.5000 LOAN 0000021924378 LAST_NAME PAYNE ADDRESS 2310 NORRIS WAY CITY CLINTON STATE MD ZIP 207350000 MORT $21,500.00 BAL $21,393.41 RATE 9.7500 PAI $227.77 CLTV 62.908 MATURITY 120915 FEE 0.5000 LOAN 0000021924436 LAST_NAME LLOYD ADDRESS 1643 COLONY ROAD CITY PASADENA STATE MD ZIP 211220000 MORT $124,500.00 BAL $124,377.03 RATE 9.5000 PAI $1,046.87 CLTV 75.454 MATURITY 120923 FEE 0.5000 LOAN 0000021924469 LAST_NAME TAYLOR ADDRESS 1106 BURKETON ROAD CITY CHILLUM STATE MD ZIP 207830000 MORT $91,000.00 BAL $90,879.44 RATE 10.5000 PAI $832.42 CLTV 61.904 MATURITY 270913 FEE 0.5000 LOAN 0000021924501 LAST_NAME KAZIM ADDRESS 1255 TWIG TERRACE CITY SILVER SPRI STATE MD ZIP 209040000 MORT $104,000.00 BAL $103,892.28 RATE 9.5000 PAI $874.49 CLTV 80.000 MATURITY 270829 FEE 0.5000 LOAN 0000021924543 LAST_NAME LEVASSEUR ADDRESS 165 JOHN STREET CITY WARWICK STATE RI ZIP 028860000 MORT $73,950.00 BAL $73,950.00 RATE 10.1500 PAI $721.00 CLTV 85.000 MATURITY 171112 FEE 0.5000 LOAN 0000021924568 LAST_NAME IVEY ADDRESS 1226 JEFFERSON STREET NW CITY WASHINGTON STATE DC ZIP 200110000 MORT $103,200.00 BAL $103,143.51 RATE 8.9900 PAI $829.63 CLTV 80.000 MATURITY 120929 FEE 0.5000 LOAN 0000021924576 LAST_NAME BELSON ADDRESS 152 STOCKTON STREET CITY SOUTH AMBOY STATE NJ ZIP 088790000 MORT $104,000.00 BAL $104,000.00 RATE 10.5500 PAI $955.22 CLTV 77.037 MATURITY 271112 FEE 0.5000 LOAN 0000021924584 LAST_NAME THOMPSON ADDRESS 1235 DIVISION STREET CITY BALTIMORE STATE MD ZIP 212170000 MORT $45,600.00 BAL $45,554.96 RATE 9.5000 PAI $383.43 CLTV 74.754 MATURITY 270917 FEE 0.5000 LOAN 0000021924808 LAST_NAME HARRIS ADDRESS 605 ELM AVENUE CITY TAKOMA PARK STATE MD ZIP 209120000 MORT $128,000.00 BAL $127,728.93 RATE 8.9900 PAI $1,029.00 CLTV 80.000 MATURITY 271003 FEE 0.5000 LOAN 0000021924832 LAST_NAME TYREE ADDRESS 28 NEWPORT ROAD CITY ISLAND PARK STATE NY ZIP 115580000 MORT $101,000.00 BAL $101,000.00 RATE 9.0000 PAI $908.73 CLTV 67.333 MATURITY 171118 FEE 0.5000 LOAN 0000021924840 LAST_NAME DYSON ADDRESS 729 BETHNAL ROAD CITY BALTIMORE STATE MD ZIP 212290000 MORT $20,000.00 BAL $19,893.79 RATE 8.9900 PAI $202.74 CLTV 29.850 MATURITY 120904 FEE 0.5000 LOAN 0000021924857 LAST_NAME HUNTLEY ADDRESS 1204 PARKER AVENUE CITY HYATTSVILLE STATE MD ZIP 207820000 MORT $54,500.00 BAL $54,125.67 RATE 9.5000 PAI $458.27 CLTV 38.380 MATURITY 120923 FEE 0.5000 LOAN 0000021924865 LAST_NAME COHRAN ADDRESS 1250 OMIE WAY CITY LAWRENCEVIL STATE GA ZIP 300430000 MORT $94,500.00 BAL $94,458.10 RATE 9.9900 PAI $828.61 CLTV 90.000 MATURITY 121003 FEE 0.5000 LOAN 0000021924873 LAST_NAME GODBOLD ADDRESS 6485 LONG BEACH DRIVE CITY SAINT LEONA STATE MD ZIP 206850000 MORT $64,000.00 BAL $63,807.38 RATE 8.9900 PAI $575.42 CLTV 59.813 MATURITY 171001 FEE 0.5000 LOAN 0000021924881 LAST_NAME TUTTLE ADDRESS 208 CRYSTAL LAKE ROAD CITY LUTZ STATE FL ZIP 335490000 MORT $50,000.00 BAL $49,977.83 RATE 9.9900 PAI $438.42 CLTV 68.493 MATURITY 121016 FEE 0.5000 LOAN 0000021924915 LAST_NAME POLK ADDRESS 1307 W. 98TH STREET CITY CHICAGO STATE IL ZIP 606430000 MORT $103,500.00 BAL $103,452.62 RATE 9.8400 PAI $896.08 CLTV 90.000 MATURITY 121015 FEE 0.5000 LOAN 0000021924923 LAST_NAME MOBRAY ADDRESS 81 SUMMERFIELD DRIVE CITY ANNAPOLIS STATE MD ZIP 214030000 MORT $72,000.00 BAL $71,956.38 RATE 8.5000 PAI $553.62 CLTV 72.000 MATURITY 120930 FEE 0.5000 LOAN 0000021924931 LAST_NAME EDDINGER ADDRESS 323 TUNBRIDGE ROAD CITY BALTIMORE STATE MD ZIP 212120000 MORT $190,000.00 BAL $189,875.25 RATE 11.4000 PAI $1,867.08 CLTV 69.343 MATURITY 120925 FEE 0.5000 LOAN 0000021924949 LAST_NAME HASKINS ADDRESS 262 KENTUCKY AVENUE SE CITY WASHINGTON STATE DC ZIP 200030000 MORT $54,000.00 BAL $53,951.92 RATE 9.9900 PAI $473.49 CLTV 41.538 MATURITY 270910 FEE 0.5000 LOAN 0000021924964 LAST_NAME MONTEZ ADDRESS 11390 STRATHMOOR CITY DETROIT STATE MI ZIP 482280000 MORT $60,000.00 BAL $59,972.88 RATE 9.9000 PAI $522.12 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021924972 LAST_NAME NIAGRO ADDRESS 11015 HANEY TERRACE CITY DAMASCUS STATE MD ZIP 208720000 MORT $35,000.00 BAL $34,805.98 RATE 12.9500 PAI $441.69 CLTV 78.568 MATURITY 120830 FEE 0.5000 LOAN 0000021924998 LAST_NAME COMPTON ADDRESS 1030 MADRID AVENUE CITY HENDERSON STATE NV ZIP 890150000 MORT $231,300.00 BAL $231,173.39 RATE 8.9900 PAI $1,859.43 CLTV 54.168 MATURITY 121001 FEE 0.5000 LOAN 0000021925003 LAST_NAME SHAFER ADDRESS 2631 FIR ROAD CITY BREMEN STATE IN ZIP 465060000 MORT $43,575.00 BAL $43,515.65 RATE 9.7400 PAI $413.03 CLTV 52.500 MATURITY 171008 FEE 0.5000 LOAN 0000021925011 LAST_NAME COVERT ADDRESS 5626 NORTH 70TH AVENUE CITY GLENDALE STATE AZ ZIP 853030000 MORT $74,800.00 BAL $74,763.90 RATE 9.5900 PAI $633.88 CLTV 85.000 MATURITY 120929 FEE 0.5000 LOAN 0000021925029 LAST_NAME MARQUES ADDRESS 121 MARBURY AVENUE CITY PAWTUCKET STATE RI ZIP 028600000 MORT $44,100.00 BAL $44,100.00 RATE 9.5000 PAI $370.82 CLTV 70.000 MATURITY 271104 FEE 0.5000 LOAN 0000021925037 LAST_NAME GOLUB ADDRESS 21 STOWE STREET CITY MIDDLEFIELD STATE CT ZIP 064550000 MORT $152,150.00 BAL $152,150.00 RATE 9.5000 PAI $1,279.36 CLTV 85.000 MATURITY 121107 FEE 0.5000 LOAN 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LAST_NAME DAVIS ADDRESS 7300 COBIA LANE CITY HUDSON STATE FL ZIP 346670000 MORT $42,400.00 BAL $42,400.00 RATE 8.9500 PAI $339.64 CLTV 80.000 MATURITY 271126 FEE 0.5000 LOAN 0000021925490 LAST_NAME OKADIGWE ADDRESS 1416 WESTCHESTER DR CITY COLUMBIA STATE SC ZIP 292100000 MORT $62,400.00 BAL $62,400.00 RATE 9.9000 PAI $543.00 CLTV 80.000 MATURITY 121003 FEE 0.5000 LOAN 0000021925607 LAST_NAME POLYCAPE ADDRESS 1840 NW 132 STREET CITY MIAMI STATE FL ZIP 331670000 MORT $61,600.00 BAL $61,600.00 RATE 8.8500 PAI $619.31 CLTV 80.000 MATURITY 121124 FEE 0.5000 LOAN 0000021925664 LAST_NAME BARBAY ADDRESS 29 RUMSEY STREET CITY SENECA FALL STATE NY ZIP 131480000 MORT $21,250.00 BAL $21,152.01 RATE 10.9900 PAI $292.60 CLTV 79.527 MATURITY 71010 FEE 0.5000 LOAN 0000021925722 LAST_NAME HUMPHREY ADDRESS 711 W STOUT ST CITY RICE LAKE STATE WI ZIP 548680000 MORT $42,500.00 BAL $42,481.15 RATE 9.9900 PAI $372.66 CLTV 85.000 MATURITY 121001 FEE 0.5000 LOAN 0000021925755 LAST_NAME CORONA ADDRESS 311 S. 39TH STREET CITY ARTESIA STATE NM ZIP 882100000 MORT $19,350.00 BAL $19,350.00 RATE 10.5000 PAI $193.19 CLTV 90.000 MATURITY 171110 FEE 0.5000 LOAN 0000021925839 LAST_NAME SHOLLENBERGE ADDRESS 230 PROVIDENCE ROAD CITY ATHENS STATE GA ZIP 306060000 MORT $22,700.00 BAL $22,670.07 RATE 9.9900 PAI $218.91 CLTV 69.361 MATURITY 171020 FEE 0.5000 LOAN 0000021925888 LAST_NAME FEIL ADDRESS 697 KIMBALL AVE CITY YONKERS STATE NY ZIP 107040000 MORT $160,000.00 BAL $159,895.33 RATE 8.1250 PAI $1,188.00 CLTV 78.048 MATURITY 271027 FEE 0.5000 LOAN 0000021925953 LAST_NAME JOHNSON ADDRESS 1720 OAKLAND STREET CITY FORT WAYNE STATE IN ZIP 468080000 MORT $36,800.00 BAL $36,702.66 RATE 8.9900 PAI $373.03 CLTV 80.000 MATURITY 121008 FEE 0.5000 LOAN 0000021926076 LAST_NAME HEMKER ADDRESS 40 GARDEN STREET CITY SENECA FALL STATE NY ZIP 131480000 MORT $32,700.00 BAL $32,528.62 RATE 8.7500 PAI $409.82 CLTV 43.600 MATURITY 71013 FEE 0.5000 LOAN 0000021926142 LAST_NAME KNAPP ADDRESS 7625 CHRISTIAN HOLLR ROAD CITY SODUS STATE NY ZIP 145510000 MORT $22,750.00 BAL $22,388.59 RATE 10.9900 PAI $258.43 CLTV 84.992 MATURITY 120929 FEE 0.5000 LOAN 0000021926159 LAST_NAME SMILEY ADDRESS 58 LACKAWANNA AVENUE CITY EAST STROUD STATE PA ZIP 183010000 MORT $86,000.00 BAL $85,961.14 RATE 9.9000 PAI $748.36 CLTV 80.000 MATURITY 121010 FEE 0.5000 LOAN 0000021926167 LAST_NAME ALBANESE ADDRESS 3338 WINDSOR AVENUE CITY DOVER STATE NJ ZIP 087530000 MORT $91,400.00 BAL $91,355.04 RATE 9.5000 PAI $768.54 CLTV 78.271 MATURITY 121009 FEE 0.5000 LOAN 0000021926183 LAST_NAME SMILEY ADDRESS 71-73 LACKAWANNA AVENUE CITY EAST STROUD STATE PA ZIP 183010000 MORT $66,000.00 BAL $65,973.12 RATE 10.4000 PAI $598.80 CLTV 60.000 MATURITY 121010 FEE 0.5000 LOAN 0000021926191 LAST_NAME LAND ADDRESS 92 SHEEHAN AVENUE CITY CINCINNATI STATE OH ZIP 452160000 MORT $57,600.00 BAL $57,509.85 RATE 8.6500 PAI $505.35 CLTV 80.000 MATURITY 171020 FEE 0.5000 LOAN 0000021926209 LAST_NAME WOJCIK ADDRESS 4223 BENNINGTON BOULEVARD CITY BRUNSWICK STATE OH ZIP 442120000 MORT $50,800.00 BAL $50,779.77 RATE 10.4900 PAI $464.31 CLTV 80.000 MATURITY 271008 FEE 0.5000 LOAN 0000021926217 LAST_NAME SPOHR ADDRESS 1615 ACREVIEW DRIVE CITY CINCINNATI STATE OH ZIP 452390000 MORT $82,170.00 BAL $82,170.00 RATE 10.5000 PAI $751.65 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021926225 LAST_NAME SWAIN ADDRESS 1101 W 11TH CITY ANDERSON STATE IN ZIP 460160000 MORT $25,900.00 BAL $25,833.08 RATE 9.2500 PAI $266.57 CLTV 63.170 MATURITY 121024 FEE 0.5000 LOAN 0000021926233 LAST_NAME LUND ADDRESS 9049 PANORAMA COURT CITY INDIANAPOLI STATE IN ZIP 462340000 MORT $72,900.00 BAL $72,840.41 RATE 9.8000 PAI $629.01 CLTV 90.000 MATURITY 121020 FEE 0.5000 LOAN 0000021926308 LAST_NAME DUPLIN ADDRESS 524 WORTHINGTON RIDGE CITY BERLIN STATE CT ZIP 060370000 MORT $115,000.00 BAL $114,928.89 RATE 8.4000 PAI $876.11 CLTV 76.666 MATURITY 121020 FEE 0.5000 LOAN 0000021926316 LAST_NAME MAYHUGH ADDRESS 3205 LINDALE-MT HOLLY RD CITY AMELIA STATE OH ZIP 451020000 MORT $92,800.00 BAL $92,742.61 RATE 8.4000 PAI $706.99 CLTV 80.000 MATURITY 121020 FEE 0.5000 LOAN 0000021926324 LAST_NAME PANARESE ADDRESS 98 QUEVIC DRIVE CITY SARATOGA SP STATE NY ZIP 128660000 MORT $18,300.00 BAL $18,254.66 RATE 10.5000 PAI $182.70 CLTV 84.980 MATURITY 170929 FEE 0.5000 LOAN 0000021926332 LAST_NAME MIDDLETON ADDRESS 108 CHATHAM ST CITY HARTFORD STATE CT ZIP 061120000 MORT $87,300.00 BAL $87,260.96 RATE 9.9500 PAI $762.90 CLTV 90.000 MATURITY 271017 FEE 0.5000 LOAN 0000021926365 LAST_NAME SELMAN ADDRESS 3749 SHADY COVE DRIVE CITY BIRMINGHAM STATE AL ZIP 352430000 MORT $244,000.00 BAL $244,000.00 RATE 8.2000 PAI $1,824.53 CLTV 80.000 MATURITY 271125 FEE 0.5000 LOAN 0000021926373 LAST_NAME MITCHELL ADDRESS 908 DUANE STREET CITY FRANKLIN STATE IN ZIP 461310000 MORT $40,000.00 BAL $39,891.89 RATE 8.7500 PAI $399.78 CLTV 80.000 MATURITY 121021 FEE 0.5000 LOAN 0000021926407 LAST_NAME JONES ADDRESS 355 MARK DR CITY COVENTRY STATE CT ZIP 062380000 MORT $90,000.00 BAL $89,948.75 RATE 8.8000 PAI $711.25 CLTV 69.230 MATURITY 270930 FEE 0.5000 LOAN 0000021926415 LAST_NAME ALSIP ADDRESS 3 CRESTWOOD PLACE CITY SHELTON STATE CT ZIP 064840000 MORT $33,900.00 BAL $33,884.37 RATE 12.9900 PAI $374.74 CLTV 84.672 MATURITY 120922 FEE 0.5000 LOAN 0000021926449 LAST_NAME DAISY ADDRESS 136 LONGWOOD DRIVE CITY LA PORTE STATE IN ZIP 463500000 MORT $82,400.00 BAL $82,354.52 RATE 8.9500 PAI $660.05 CLTV 80.000 MATURITY 271021 FEE 0.5000 LOAN 0000021926456 LAST_NAME HARPER ADDRESS 94-96 COLEBROOK CITY HARTFORD STATE CT ZIP 061120000 MORT $56,000.00 BAL $55,969.34 RATE 8.9900 PAI $450.19 CLTV 56.000 MATURITY 271021 FEE 0.5000 LOAN 0000021926506 LAST_NAME NEWBERRY ADDRESS 250 BROOK STREET CITY WESTBURY STATE NY ZIP 115900000 MORT $78,000.00 BAL $77,967.29 RATE 10.2500 PAI $698.96 CLTV 74.285 MATURITY 271001 FEE 0.5000 LOAN 0000021926514 LAST_NAME ROSENBECK ADDRESS 13 LEWIS AVENUE CITY BATAVIA STATE NY ZIP 140200000 MORT $25,100.00 BAL $24,765.16 RATE 10.9900 PAI $345.61 CLTV 84.992 MATURITY 70925 FEE 0.5000 LOAN 0000021926530 LAST_NAME PIPPIN ADDRESS 5512 RUTH STREET CITY PARISH JEFF STATE LA ZIP 700030000 MORT $113,900.00 BAL $113,900.00 RATE 8.7500 PAI $1,006.55 CLTV 85.000 MATURITY 171125 FEE 0.5000 LOAN 0000021926548 LAST_NAME LOUTH ADDRESS 28 HAWTHORNE AVE CITY BUFFALO STATE NY ZIP 142230000 MORT $33,200.00 BAL $33,200.00 RATE 9.8500 PAI $317.09 CLTV 79.960 MATURITY 171101 FEE 0.5000 LOAN 0000021926662 LAST_NAME CASEY ADDRESS 211 KENT ST. CITY ALBANY STATE NY ZIP 122060000 MORT $14,300.00 BAL $14,230.96 RATE 10.9900 PAI $196.90 CLTV 79.954 MATURITY 71021 FEE 0.5000 LOAN 0000021926688 LAST_NAME CASSEUS ADDRESS 139 COOLIDGE STREET CITY HAVERSTRAW STATE NY ZIP 109270000 MORT $26,500.00 BAL $26,500.00 RATE 10.2500 PAI $288.84 CLTV 84.215 MATURITY 121117 FEE 0.5000 LOAN 0000021926696 LAST_NAME RUOCCO, SR. ADDRESS 1151 MILE SQUARE RD. CITY YONKERS STATE NY ZIP 107040000 MORT $45,100.00 BAL $44,622.88 RATE 8.6500 PAI $562.80 CLTV 25.055 MATURITY 70929 FEE 0.5000 LOAN 0000021926720 LAST_NAME GERMAINE ADDRESS 509 GRANT ST. CITY ENDICOTT STATE NY ZIP 137630000 MORT $40,000.00 BAL $39,801.92 RATE 9.7500 PAI $523.08 CLTV 67.796 MATURITY 71009 FEE 0.5000 LOAN 0000021926746 LAST_NAME KANZER ADDRESS 1740 HENDERSON WAY CITY LAWRENCEVIL STATE GA ZIP 300430000 MORT $29,000.00 BAL $28,928.13 RATE 10.5000 PAI $289.53 CLTV 18.709 MATURITY 170904 FEE 0.5000 LOAN 0000021926779 LAST_NAME KISH ADDRESS 22 TRIANGLE STREET CITY NORWALK STATE CT ZIP 068550000 MORT $132,000.00 BAL $131,615.64 RATE 9.2500 PAI $1,208.94 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021926803 LAST_NAME JORDAN ADDRESS 6528 SORBY SOURT CITY NORFOLK STATE VA ZIP 235130000 MORT $28,350.00 BAL $28,027.12 RATE 12.9900 PAI $313.39 CLTV 64.578 MATURITY 121101 FEE 0.5000 LOAN 0000021926860 LAST_NAME SCHMIDT ADDRESS 19 ELMWOOD TERRACE CITY WAYNE STATE NJ ZIP 074700000 MORT $33,800.00 BAL $33,722.13 RATE 10.5000 PAI $373.62 CLTV 81.951 MATURITY 121015 FEE 0.5000 LOAN 0000021926910 LAST_NAME NAPPE ADDRESS 341 WHITTIER DRIVE CITY MASTIC BEAC STATE NY ZIP 119510000 MORT $27,600.00 BAL $27,105.19 RATE 8.9900 PAI $349.48 CLTV 22.622 MATURITY 71021 FEE 0.5000 LOAN 0000021926928 LAST_NAME WYSOKOWSKI ADDRESS 242 SACKETT STREET CITY BROOKLYN STATE NY ZIP 112310000 MORT $41,200.00 BAL $41,098.29 RATE 9.7500 PAI $436.46 CLTV 33.022 MATURITY 121017 FEE 0.5000 LOAN 0000021926951 LAST_NAME STEVENS ADDRESS 55 NORTH AIRMONT ROAD CITY SUFFERN STATE NY ZIP 109010000 MORT $25,200.00 BAL $25,166.16 RATE 9.8500 PAI $240.69 CLTV 67.798 MATURITY 170930 FEE 0.5000 LOAN 0000021927009 LAST_NAME HANMER ADDRESS 4751 WEST DRIVE CITY FORT MYERS STATE FL ZIP 339070000 MORT $25,000.00 BAL $25,000.00 RATE 8.8500 PAI $251.35 CLTV 35.714 MATURITY 121119 FEE 0.5000 LOAN 0000021927017 LAST_NAME MELVIN ADDRESS 120 SANFORD AVENUE CITY CLINTON STATE NY ZIP 133230000 MORT $54,100.00 BAL $53,956.90 RATE 8.9900 PAI $548.40 CLTV 68.917 MATURITY 121001 FEE 0.5000 LOAN 0000021927066 LAST_NAME PEACOCK ADDRESS 9060 60TH STREET SE CITY ALTO STATE MI ZIP 493020000 MORT $20,000.00 BAL $20,000.00 RATE 13.0000 PAI $253.05 CLTV 23.529 MATURITY 121101 FEE 0.5000 LOAN 0000021927090 LAST_NAME MUSCARELLA ADDRESS 1341 RICHARD RD CITY SALISBURY STATE NC ZIP 281470000 MORT $42,600.00 BAL $42,119.15 RATE 8.9900 PAI $431.82 CLTV 39.813 MATURITY 121001 FEE 0.5000 LOAN 0000021927157 LAST_NAME TATE ADDRESS 230 TATE RD CITY WILLARD STATE NC ZIP 284780000 MORT $48,000.00 BAL $47,837.57 RATE 11.2500 PAI $503.64 CLTV 74.418 MATURITY 170901 FEE 0.5000 LOAN 0000021927165 LAST_NAME HOLLIS ADDRESS 433 QUARTERHORSE LANE CITY HAMPSTEAD STATE NC ZIP 284430000 MORT $81,175.00 BAL $81,139.01 RATE 9.9900 PAI $711.77 CLTV 85.000 MATURITY 271001 FEE 0.5000 LOAN 0000021927199 LAST_NAME DECLEMENTI ADDRESS 14 CHERYL LANE SOUTH CITY FARMINGDALE STATE NY ZIP 117350000 MORT $36,700.00 BAL $36,644.98 RATE 8.9900 PAI $329.96 CLTV 20.388 MATURITY 171003 FEE 0.5000 LOAN 0000021927264 LAST_NAME WIGGINS ADDRESS 1295 SAGG ROAD CITY SAG HARBOR STATE NY ZIP 119630000 MORT $104,400.00 BAL $103,767.70 RATE 8.5000 PAI $906.01 CLTV 56.432 MATURITY 171001 FEE 0.5000 LOAN 0000021927298 LAST_NAME MAJESKI ADDRESS 759 CARLOCK AVENUE CITY PERTH AMBOY STATE NJ ZIP 088610000 MORT $101,200.00 BAL $101,054.75 RATE 9.9500 PAI $884.37 CLTV 80.000 MATURITY 121006 FEE 0.5000 LOAN 0000021927348 LAST_NAME CHICK ADDRESS 634 WYLIE AVENUE CITY JEANNETTE STATE PA ZIP 156440000 MORT $37,500.00 BAL $37,500.00 RATE 8.6000 PAI $371.48 CLTV 72.115 MATURITY 121124 FEE 0.5000 LOAN 0000021927371 LAST_NAME KLUTTZ ADDRESS 398 W HILLSIDE CITY CHINA GROVE STATE NC ZIP 280230000 MORT $35,300.00 BAL $35,300.00 RATE 8.9900 PAI $446.97 CLTV 45.844 MATURITY 71101 FEE 0.5000 LOAN 0000021927405 LAST_NAME FUSCO ADDRESS 14 RUSTWOOD PLACE CITY MASSAPEQUA STATE NY ZIP 117620000 MORT $39,800.00 BAL $39,605.60 RATE 9.9900 PAI $525.74 CLTV 74.046 MATURITY 71008 FEE 0.5000 LOAN 0000021927421 LAST_NAME DEWITT ADDRESS 27 ARBOR COURT CITY FAIRPORT STATE NY ZIP 144500000 MORT $56,000.00 BAL $55,916.04 RATE 8.9900 PAI $503.49 CLTV 80.000 MATURITY 171021 FEE 0.5000 LOAN 0000021927439 LAST_NAME SPRADLIN ADDRESS 209 N 2ND ST CITY SPRINGPORT STATE IN ZIP 473860000 MORT $60,000.00 BAL $60,000.00 RATE 12.2500 PAI $628.74 CLTV 66.666 MATURITY 121101 FEE 0.5000 LOAN 0000021927447 LAST_NAME BARTO ADDRESS 234 LISLE ROAD CITY OWEGO STATE NY ZIP 138270000 MORT $54,900.00 BAL $54,815.15 RATE 8.7500 PAI $485.16 CLTV 73.200 MATURITY 171009 FEE 0.5000 LOAN 0000021927462 LAST_NAME HENDERSON ADDRESS 28529 CLEVELAND STREET CITY LIVONIA STATE MI ZIP 481500000 MORT $55,550.00 BAL $55,550.00 RATE 9.7500 PAI $477.26 CLTV 53.413 MATURITY 271101 FEE 0.5000 LOAN 0000021927470 LAST_NAME MCALLISTER ADDRESS 141 ROCHESTER STREET CITY AVON STATE NY ZIP 144140000 MORT $16,600.00 BAL $16,484.40 RATE 9.8500 PAI $176.86 CLTV 79.892 MATURITY 121007 FEE 0.5000 LOAN 0000021927488 LAST_NAME HEFLIN ADDRESS 3908 WALLWORTH DRIVE CITY RICHMOND STATE VA ZIP 232370000 MORT $32,800.00 BAL $32,373.65 RATE 9.7500 PAI $428.93 CLTV 56.115 MATURITY 71016 FEE 0.5000 LOAN 0000021927496 LAST_NAME MATHIS ADDRESS 1618 S MARSTON STREET CITY PHILADELPHI STATE PA ZIP 191450000 MORT $34,850.00 BAL $34,811.39 RATE 11.1500 PAI $335.85 CLTV 85.000 MATURITY 121006 FEE 0.5000 LOAN 0000021927504 LAST_NAME MORSE JR. ADDRESS 97 CYPRESS STREET CITY MILLBURN STATE NJ ZIP 070410000 MORT $133,000.00 BAL $133,000.00 RATE 8.2500 PAI $1,133.25 CLTV 61.860 MATURITY 171024 FEE 0.5000 LOAN 0000021927520 LAST_NAME BLOSENHAUER ADDRESS 3769 HULBERTON ROAD CITY HOLLEY STATE NY ZIP 144700000 MORT $18,800.00 BAL $18,746.51 RATE 9.9900 PAI $201.91 CLTV 56.969 MATURITY 121015 FEE 0.5000 LOAN 0000021927538 LAST_NAME COLON ADDRESS 1705 PARK PL CITY BROOKLYN STATE NY ZIP 112330000 MORT $91,000.00 BAL $90,950.75 RATE 9.9000 PAI $791.88 CLTV 75.833 MATURITY 121006 FEE 0.5000 LOAN 0000021927546 LAST_NAME SILVEY ADDRESS 1340 PEACHTREE ROAD CITY CHESNEE STATE SC ZIP 293230000 MORT $41,000.00 BAL $40,868.12 RATE 10.1250 PAI $443.73 CLTV 74.545 MATURITY 121001 FEE 0.5000 LOAN 0000021927561 LAST_NAME TAYLOR ADDRESS 621 GREENBROOK RD CITY NORTH PLAIN STATE NJ ZIP 070630000 MORT $108,000.00 BAL $107,848.30 RATE 9.5000 PAI $1,006.70 CLTV 80.000 MATURITY 171006 FEE 0.5000 LOAN 0000021927579 LAST_NAME MANCINI III ADDRESS 54 CAMPBELL AVENUE CITY TROY STATE NY ZIP 121800000 MORT $60,000.00 BAL $59,834.16 RATE 8.5000 PAI $590.84 CLTV 74.074 MATURITY 121009 FEE 0.5000 LOAN 0000021927587 LAST_NAME ASHCRAFT ADDRESS 309 HAMPTON BOULEVARD CITY ROCHESTER STATE NY ZIP 146500000 MORT $12,400.00 BAL $12,342.82 RATE 10.9900 PAI $170.74 CLTV 84.958 MATURITY 71007 FEE 0.5000 LOAN 0000021927595 LAST_NAME SIDES-CUMMIN ADDRESS 6720 TERRY LN CITY CHARLOTTE STATE NC ZIP 282150000 MORT $101,250.00 BAL $101,220.70 RATE 11.9500 PAI $1,037.58 CLTV 75.000 MATURITY 120930 FEE 0.5000 LOAN 0000021927611 LAST_NAME CISOWSKI ADDRESS 15590 EL GATO LANE CITY LOS GATOS STATE CA ZIP 905320000 MORT $261,000.00 BAL $260,894.02 RATE 10.4000 PAI $2,367.98 CLTV 70.540 MATURITY 121002 FEE 0.5000 LOAN 0000021927637 LAST_NAME ROSENBERG ADDRESS 69 HARRISON BROOK DR CITY BASKING RID STATE NJ ZIP 079200000 MORT $53,000.00 BAL $52,737.54 RATE 9.7500 PAI $693.09 CLTV 78.138 MATURITY 71022 FEE 0.5000 LOAN 0000021927645 LAST_NAME HOPKINS ADDRESS 84-32 169TH ST CITY JAMAICA STATE NY ZIP 114320000 MORT $110,000.00 BAL $109,834.25 RATE 8.9500 PAI $986.17 CLTV 44.000 MATURITY 171002 FEE 0.5000 LOAN 0000021927652 LAST_NAME WOODARD ADDRESS 164 GRUBB RD CITY NEWFIELD STATE NJ ZIP 083440000 MORT $117,000.00 BAL $116,731.65 RATE 10.5500 PAI $1,296.95 CLTV 90.000 MATURITY 121003 FEE 0.5000 LOAN 0000021927678 LAST_NAME VEGA ADDRESS 3307 DELPHA COURT CITY BALTIMORE STATE MD ZIP 212340000 MORT $26,600.00 BAL $26,600.00 RATE 10.7500 PAI $298.17 CLTV 84.945 MATURITY 121008 FEE 0.5000 LOAN 0000021927686 LAST_NAME HALES ADDRESS 4335 BELL HILL ROAD CITY BESSEMER STATE AL ZIP 350230000 MORT $20,000.00 BAL $19,957.23 RATE 11.3000 PAI $231.10 CLTV 63.484 MATURITY 121001 FEE 0.5000 LOAN 0000021927736 LAST_NAME WILSON ADDRESS 316 2ND STREET CITY FAYETTE CIT STATE PA ZIP 154380000 MORT $58,500.00 BAL $58,362.13 RATE 10.9000 PAI $599.86 CLTV 90.000 MATURITY 170904 FEE 0.5000 LOAN 0000021927777 LAST_NAME MAXIM ADDRESS RTE 28 BOX 145 CITY ARKVILLE STATE NY ZIP 124060000 MORT $87,200.00 BAL $87,069.27 RATE 8.9900 PAI $784.00 CLTV 80.000 MATURITY 171001 FEE 0.5000 LOAN 0000021927785 LAST_NAME COLLINS ADDRESS 429 CAROLINE STREET CITY DAYTONA BEA STATE FL ZIP 321140000 MORT $47,000.00 BAL $46,942.01 RATE 10.5000 PAI $469.24 CLTV 78.333 MATURITY 171023 FEE 0.5000 LOAN 0000021927819 LAST_NAME PRICE ADDRESS 510 EGG HARBOR ROAD CITY SEWELL STATE NJ ZIP 080800000 MORT $57,000.00 BAL $56,868.67 RATE 10.5000 PAI $630.08 CLTV 38.775 MATURITY 121009 FEE 0.5000 LOAN 0000021927827 LAST_NAME DEBRUYN ADDRESS 2819 YORK ROAD CITY SOUTH BEND STATE IN ZIP 466170000 MORT $68,000.00 BAL $67,659.40 RATE 9.5500 PAI $881.77 CLTV 80.000 MATURITY 70930 FEE 0.5000 LOAN 0000021927868 LAST_NAME STANTON ADDRESS 20 JEFFREY DRIVE CITY GRAND ISLAN STATE NY ZIP 140720000 MORT $41,500.00 BAL $41,390.23 RATE 8.9900 PAI $420.67 CLTV 41.500 MATURITY 121023 FEE 0.5000 LOAN 0000021927876 LAST_NAME WATKINS ADDRESS 8505 HWY 58 P.O. BOX 57 CITY HARRISON STATE TN ZIP 373410000 MORT $58,800.00 BAL $58,711.40 RATE 8.9500 PAI $527.15 CLTV 80.000 MATURITY 170930 FEE 0.5000 LOAN 0000021927884 LAST_NAME DAVIDSON ADDRESS 8185 LAURIE LANE CITY LIVERPOOL STATE NY ZIP 130900000 MORT $31,150.00 BAL $31,108.92 RATE 9.9900 PAI $300.40 CLTV 36.647 MATURITY 171010 FEE 0.5000 LOAN 0000021927900 LAST_NAME ROMAN ADDRESS 1003 EVERGREEN BLVD CITY BROWNS MILL STATE NJ ZIP 080150000 MORT $23,550.00 BAL $23,493.12 RATE 9.9900 PAI $252.93 CLTV 75.403 MATURITY 121022 FEE 0.5000 LOAN 0000021927926 LAST_NAME SANDERS ADDRESS 4538 ROSEMONT RD CITY JACKSONVILL STATE FL ZIP 322070000 MORT $48,750.00 BAL $48,745.75 RATE 9.4500 PAI $408.14 CLTV 75.000 MATURITY 120922 FEE 0.5000 LOAN 0000021927934 LAST_NAME DICKERHOFF ADDRESS 32645 FOREST DRIVE CITY DELAND STATE FL ZIP 327200000 MORT $57,600.00 BAL $57,318.65 RATE 9.9900 PAI $760.87 CLTV 77.837 MATURITY 71009 FEE 0.5000 LOAN 0000021927967 LAST_NAME COYNE ADDRESS 72 ELEANOR DRIVE CITY MAHOPAC STATE NY ZIP 105410000 MORT $72,600.00 BAL $72,235.92 RATE 9.8500 PAI $953.39 CLTV 79.994 MATURITY 71023 FEE 0.5000 LOAN 0000021927983 LAST_NAME STONE ADDRESS 645 LOUISANA AVENUE CITY ETOWAH STATE TN ZIP 373310000 MORT $76,800.00 BAL $76,764.14 RATE 8.9500 PAI $615.19 CLTV 80.000 MATURITY 120922 FEE 0.5000 LOAN 0000021928023 LAST_NAME SMITH ADDRESS 2619 SOUTH FOUR MILE RUN CITY ARLINGTON STATE VA ZIP 222060000 MORT $60,500.00 BAL $60,353.89 RATE 9.9900 PAI $649.77 CLTV 57.619 MATURITY 121023 FEE 0.5000 LOAN 0000021928056 LAST_NAME STILLINGS ADDRESS 2642 EMMONS DRIVE CITY CLINTON STATE OH ZIP 442160000 MORT $80,000.00 BAL $79,682.88 RATE 9.5500 PAI $748.32 CLTV 80.000 MATURITY 170919 FEE 0.5000 LOAN 0000021928064 LAST_NAME KITBURI ADDRESS 8 MEL MARA DRIVE CITY OXON HILL STATE MD ZIP 207450000 MORT $32,500.00 BAL $32,336.75 RATE 9.5000 PAI $420.54 CLTV 78.366 MATURITY 71023 FEE 0.5000 LOAN 0000021928072 LAST_NAME KAUFFMAN ADDRESS 55 MECHANIC STREET CITY ELBA STATE NY ZIP 140580000 MORT $45,000.00 BAL $44,932.54 RATE 8.9900 PAI $404.59 CLTV 75.000 MATURITY 171016 FEE 0.5000 LOAN 0000021928080 LAST_NAME HAENDLER ADDRESS 4414 FORTUNE CIRCLE NORTH CITY COLORADO SP STATE CO ZIP 809170000 MORT $34,500.00 BAL $34,321.62 RATE 8.9900 PAI $436.84 CLTV 33.823 MATURITY 71008 FEE 0.5000 LOAN 0000021928114 LAST_NAME HOLLMAN ADDRESS 31 MEDALLION LANE CITY WILLINGBORO STATE NJ ZIP 080460000 MORT $16,350.00 BAL $16,276.82 RATE 11.5000 PAI $229.87 CLTV 84.959 MATURITY 71023 FEE 0.5000 LOAN 0000021928155 LAST_NAME PERDUE ADDRESS 1008 WEST US HIGHWAY 40 CITY GREENCASTLE STATE IN ZIP 461350000 MORT $41,450.00 BAL $41,340.36 RATE 8.9900 PAI $420.17 CLTV 75.363 MATURITY 121017 FEE 0.5000 LOAN 0000021928171 LAST_NAME STANFIELD ADDRESS 151 OLD BURTON ROAD CITY LAFAYETTE STATE GA ZIP 307280000 MORT $49,600.00 BAL $49,575.89 RATE 9.4500 PAI $460.72 CLTV 80.000 MATURITY 170917 FEE 0.5000 LOAN 0000021928189 LAST_NAME MCFARLAND ADDRESS 1504 AKINS DRIVE CITY CHATTANOOGA STATE TN ZIP 374110000 MORT $54,400.00 BAL $54,318.44 RATE 8.9900 PAI $489.11 CLTV 80.000 MATURITY 170930 FEE 0.5000 LOAN 0000021928221 LAST_NAME MCCONATHA ADDRESS 11463 LOWNDESBORO STR CITY JACKSONVILL STATE FL ZIP 322230000 MORT $101,400.00 BAL $101,243.29 RATE 8.7500 PAI $896.09 CLTV 72.949 MATURITY 171022 FEE 0.5000 LOAN 0000021928239 LAST_NAME GATTO ADDRESS P.O. BOX359 GETMAN RD CITY TRIBES HILL STATE NY ZIP 121770000 MORT $12,500.00 BAL $12,483.52 RATE 9.9900 PAI $120.54 CLTV 32.272 MATURITY 170925 FEE 0.5000 LOAN 0000021928247 LAST_NAME THOMAS ADDRESS 2255 TRELAIN DRIVE SOUTH CITY SAINT PETER STATE FL ZIP 337120000 MORT $48,000.00 BAL $47,978.61 RATE 9.9900 PAI $420.88 CLTV 60.000 MATURITY 121009 FEE 0.5000 LOAN 0000021928270 LAST_NAME VIGEL ADDRESS 283 SOUTH XAVIER STREET CITY DENVER STATE CO ZIP 802190000 MORT $30,000.00 BAL $29,864.34 RATE 10.7500 PAI $336.28 CLTV 81.704 MATURITY 120827 FEE 0.5000 LOAN 0000021928288 LAST_NAME PERRY ADDRESS 24 ANDOVER AVENUE CITY BUFFALO STATE NY ZIP 142150000 MORT $29,900.00 BAL $29,827.20 RATE 9.9000 PAI $319.48 CLTV 79.844 MATURITY 121021 FEE 0.5000 LOAN 0000021928304 LAST_NAME TALLENT ADDRESS 1057 WOODSTOCK AVE CITY JACKSONVILL STATE FL ZIP 322540000 MORT $24,000.00 BAL $23,905.33 RATE 8.7500 PAI $239.87 CLTV 61.538 MATURITY 120829 FEE 0.5000 LOAN 0000021928312 LAST_NAME HAAS ADDRESS 101 BRADLEY DRIVE CITY JACKSON STATE MI ZIP 492010000 MORT $35,800.00 BAL $35,713.55 RATE 9.9900 PAI $384.49 CLTV 74.139 MATURITY 121022 FEE 0.5000 LOAN 0000021928320 LAST_NAME JAMES ADDRESS 623 NORTH GROVE STREET CITY WARREN STATE IN ZIP 467920000 MORT $79,300.00 BAL $78,878.93 RATE 8.9900 PAI $803.84 CLTV 74.811 MATURITY 120909 FEE 0.5000 LOAN 0000021928346 LAST_NAME SPATARO ADDRESS 7 THRASHER AVENUE CITY BELLPORT STATE NY ZIP 117130000 MORT $94,200.00 BAL $94,075.79 RATE 9.9900 PAI $908.43 CLTV 82.631 MATURITY 171023 FEE 0.5000 LOAN 0000021928353 LAST_NAME MCCARTHY ADDRESS 46 WEST 12TH ROAD CITY FAR ROCKAWA STATE NY ZIP 116930000 MORT $44,900.00 BAL $44,664.68 RATE 8.7500 PAI $562.72 CLTV 33.259 MATURITY 71001 FEE 0.5000 LOAN 0000021928395 LAST_NAME CALIZAIRE ADDRESS 722 EAST 43RD STREET CITY BROOKLYN STATE NY ZIP 112030000 MORT $28,000.00 BAL $27,967.61 RATE 10.9900 PAI $288.82 CLTV 43.516 MATURITY 171021 FEE 0.5000 LOAN 0000021928411 LAST_NAME WILHELM ADDRESS 3226 FAYCREST ROAD CITY COLUMBUS STATE OH ZIP 432320000 MORT $63,200.00 BAL $63,170.82 RATE 9.8000 PAI $545.31 CLTV 80.000 MATURITY 121007 FEE 0.5000 LOAN 0000021928429 LAST_NAME SANCHEZ ADDRESS 61890 E HIGHWAY 50 CITY BOONE STATE CO ZIP 810250000 MORT $27,400.00 BAL $27,336.33 RATE 10.9900 PAI $282.63 CLTV 32.235 MATURITY 170926 FEE 0.5000 LOAN 0000021928460 LAST_NAME EVANS ADDRESS 12149 S LOOMIS CITY CHICAGO STATE IL ZIP 606420000 MORT $63,000.00 BAL $62,734.07 RATE 11.4900 PAI $735.56 CLTV 90.000 MATURITY 120923 FEE 0.5000 LOAN 0000021928478 LAST_NAME KLINK ADDRESS LOT 60 NANTAHALA ACRE CITY ROBBINSVILL STATE NC ZIP 287710000 MORT $37,100.00 BAL $36,965.41 RATE 9.9500 PAI $397.54 CLTV 70.000 MATURITY 120917 FEE 0.5000 LOAN 0000021928486 LAST_NAME BAKER ADDRESS 166 BROOKSHORE DR CITY CHIPPEWA LA STATE OH ZIP 442150000 MORT $69,600.00 BAL $69,568.54 RATE 9.9000 PAI $605.66 CLTV 80.000 MATURITY 271014 FEE 0.5000 LOAN 0000021928494 LAST_NAME INDORF ADDRESS 1116 20TH ST SW CITY MASSILLON STATE OH ZIP 446470000 MORT $25,500.00 BAL $24,824.50 RATE 10.4000 PAI $342.66 CLTV 73.669 MATURITY 70905 FEE 0.5000 LOAN 0000021928510 LAST_NAME ROBINSON ADDRESS 302 RIVER ROAD CITY ROME STATE NY ZIP 134400000 MORT $21,300.00 BAL $21,195.96 RATE 9.9900 PAI $281.36 CLTV 66.562 MATURITY 71008 FEE 0.5000 LOAN 0000021928528 LAST_NAME REGAN ADDRESS 2488 REED ROAD CITY BERGEN STATE NY ZIP 144160000 MORT $27,500.00 BAL $27,363.73 RATE 9.8500 PAI $361.13 CLTV 65.786 MATURITY 71015 FEE 0.5000 LOAN 0000021928536 LAST_NAME BARNETT ADDRESS 588 VICTOR HILL RD CITY GREER STATE SC ZIP 296510000 MORT $45,000.00 BAL $45,000.00 RATE 9.5500 PAI $420.93 CLTV 78.947 MATURITY 170919 FEE 0.5000 LOAN 0000021928551 LAST_NAME BURGY ADDRESS 19 OSWEGO STREET CITY CAMDEN STATE NY ZIP 133160000 MORT $59,500.00 BAL $59,369.02 RATE 10.9900 PAI $675.90 CLTV 85.000 MATURITY 121021 FEE 0.5000 LOAN 0000021928577 LAST_NAME MILLER ADDRESS 45 RYMPH ROAD CITY LAGRANGEVIL STATE NY ZIP 125400000 MORT $34,150.00 BAL $33,670.16 RATE 11.2500 PAI $393.53 CLTV 84.996 MATURITY 121023 FEE 0.5000 LOAN 0000021928585 LAST_NAME ISAACS ADDRESS 720 N KRUSE ROAD CITY MT. ZION STATE IL ZIP 625490000 MORT $53,100.00 BAL $53,100.00 RATE 10.3000 PAI $523.03 CLTV 88.500 MATURITY 171126 FEE 0.5000 LOAN 0000021928593 LAST_NAME BOOTH ADDRESS 194-42 MURDOCK AVENUE CITY ST. ALBANS STATE NY ZIP 114120000 MORT $42,000.00 BAL $41,948.18 RATE 10.5000 PAI $419.32 CLTV 28.767 MATURITY 171021 FEE 0.5000 LOAN 0000021928601 LAST_NAME GRIFFIN ADDRESS 110 EAGLE STREET CITY TROY STATE NY ZIP 121800000 MORT $36,200.00 BAL $36,108.99 RATE 9.5500 PAI $379.10 CLTV 43.095 MATURITY 121021 FEE 0.5000 LOAN 0000021928619 LAST_NAME ITNYRE ADDRESS 704 INTERVAL ROAD CITY HAGERSTOWN STATE MD ZIP 217400000 MORT $11,100.00 BAL $11,085.09 RATE 9.8500 PAI $106.02 CLTV 53.392 MATURITY 171022 FEE 0.5000 LOAN 0000021928627 LAST_NAME HOLTZMAN ADDRESS 918 WEST CLINTON CITY ELMIRA STATE NY ZIP 149050000 MORT $60,100.00 BAL $60,009.90 RATE 8.9900 PAI $540.35 CLTV 49.061 MATURITY 171015 FEE 0.5000 LOAN 0000021928643 LAST_NAME HOCKETT ADDRESS 613 E GREEN CITY WAVELAND STATE IN ZIP 479890000 MORT $33,300.00 BAL $33,125.47 RATE 8.7500 PAI $417.34 CLTV 34.687 MATURITY 71022 FEE 0.5000 LOAN 0000021928676 LAST_NAME MOBLEY ADDRESS 7200 S.MARTIN LUTHER DRIV CITY CHICAGO STATE IL ZIP 606190000 MORT $25,000.00 BAL $24,940.42 RATE 12.5000 PAI $308.13 CLTV 21.929 MATURITY 121001 FEE 0.5000 LOAN 0000021928692 LAST_NAME FRAZIER ADDRESS 2231 TRAVELERS PALM DRIVE CITY EDGEWATER STATE FL ZIP 321410000 MORT $56,100.00 BAL $56,026.02 RATE 9.9900 PAI $541.01 CLTV 85.000 MATURITY 171020 FEE 0.5000 LOAN 0000021928718 LAST_NAME POWERS ADDRESS 1492 GLADSTONE ST CITY SHERIDAN STATE WY ZIP 828010000 MORT $64,000.00 BAL $64,000.00 RATE 8.6500 PAI $498.93 CLTV 80.000 MATURITY 271119 FEE 0.5000 LOAN 0000021928742 LAST_NAME MCCARTHY ADDRESS 15 HUTCHINS STREET CITY SARATOGA SP STATE NY ZIP 128660000 MORT $17,325.00 BAL $17,325.00 RATE 9.9900 PAI $186.07 CLTV 81.539 MATURITY 121020 FEE 0.5000 LOAN 0000021928759 LAST_NAME WALTER ADDRESS 24 HOOVER AVENUE CITY KENMORE STATE NY ZIP 142170000 MORT $56,800.00 BAL $56,712.22 RATE 8.7500 PAI $501.95 CLTV 80.000 MATURITY 171020 FEE 0.5000 LOAN 0000021928775 LAST_NAME KEACH ADDRESS 251 BIRCHWOOD AVENUE CITY ELMIRA HEIG STATE NY ZIP 149030000 MORT $48,000.00 BAL $47,859.60 RATE 8.9900 PAI $486.56 CLTV 80.000 MATURITY 121010 FEE 0.5000 LOAN 0000021928783 LAST_NAME LOOMAN ADDRESS 5 SCHOOL STREET CITY NELLISTON STATE NY ZIP 133390000 MORT $35,500.00 BAL $35,453.19 RATE 9.9900 PAI $342.35 CLTV 75.531 MATURITY 170930 FEE 0.5000 LOAN 0000021928825 LAST_NAME GREGOIRE ADDRESS 18 MILL ROAD CITY WEST SENECA STATE NY ZIP 142240000 MORT $31,300.00 BAL $31,144.83 RATE 9.7500 PAI $331.58 CLTV 72.225 MATURITY 120923 FEE 0.5000 LOAN 0000021928841 LAST_NAME GIVLER ADDRESS 28 ELMWOOD CITY VINELAND STATE NJ ZIP 083600000 MORT $26,700.00 BAL $26,667.49 RATE 10.6000 PAI $268.36 CLTV 79.954 MATURITY 171018 FEE 0.5000 LOAN 0000021928858 LAST_NAME DURAN ADDRESS 616 44TH STREET CITY ROCK ISLAND STATE IL ZIP 612010000 MORT $28,300.00 BAL $28,002.92 RATE 8.9900 PAI $358.34 CLTV 79.943 MATURITY 70926 FEE 0.5000 LOAN 0000021928874 LAST_NAME BLATCH ADDRESS 7608 53RD STREET CITY TAMPA STATE FL ZIP 336170000 MORT $60,000.00 BAL $60,000.00 RATE 8.9900 PAI $482.35 CLTV 80.000 MATURITY 270829 FEE 0.5000 LOAN 0000021928882 LAST_NAME RIECKS ADDRESS 17 DEAN LANE CITY EAST BRUNSW STATE NJ ZIP 088160000 MORT $101,150.00 BAL $101,150.00 RATE 11.6500 PAI $1,013.27 CLTV 85.000 MATURITY 271125 FEE 0.5000 LOAN 0000021928890 LAST_NAME ALLEN ADDRESS 109 SMITHFIELD ST CITY BEAVER FALL STATE PA ZIP 150100000 MORT $40,000.00 BAL $39,877.92 RATE 10.1500 PAI $433.53 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021928908 LAST_NAME MONTOYA SR. ADDRESS 2950 N SAWYER CITY CHICAGO STATE IL ZIP 606180000 MORT $110,000.00 BAL $110,000.00 RATE 9.1400 PAI $896.19 CLTV 71.895 MATURITY 271101 FEE 0.5000 LOAN 0000021928916 LAST_NAME LEONARD ADDRESS 1819 MORELAND CITY BALTIMORE STATE MD ZIP 212160000 MORT $56,950.00 BAL $56,930.94 RATE 11.2900 PAI $554.86 CLTV 85.000 MATURITY 120918 FEE 0.5000 LOAN 0000021928932 LAST_NAME BRYANT ADDRESS 6308 POTTS RD CITY CHATTANOOGA STATE TN ZIP 374160000 MORT $67,500.00 BAL $67,471.69 RATE 10.2500 PAI $604.87 CLTV 90.000 MATURITY 271014 FEE 0.5000 LOAN 0000021928940 LAST_NAME CUMMINS ADDRESS 91 CHAMBERLAND PLACE CITY MIDLAND PAR STATE NJ ZIP 074320000 MORT $10,000.00 BAL $9,987.66 RATE 10.5000 PAI $99.84 CLTV 37.000 MATURITY 171003 FEE 0.5000 LOAN 0000021928965 LAST_NAME GUERIN ADDRESS 638 EAST ELK PLACE CITY DENVER STATE CO ZIP 802160000 MORT $27,000.00 BAL $26,609.97 RATE 9.9900 PAI $260.38 CLTV 65.480 MATURITY 170908 FEE 0.5000 LOAN 0000021928973 LAST_NAME GRAVELEY ADDRESS 5103 OAKHILL DRIVE CITY WINTER PARK STATE FL ZIP 327920000 MORT $67,500.00 BAL $67,172.62 RATE 9.9900 PAI $724.95 CLTV 84.705 MATURITY 120910 FEE 0.5000 LOAN 0000021928981 LAST_NAME SIMAR ADDRESS 2216 KRAMER CITY NEW IBERIA STATE LA ZIP 705600000 MORT $40,000.00 BAL $39,866.86 RATE 10.3900 PAI $439.44 CLTV 80.000 MATURITY 120813 FEE 0.5000 LOAN 0000021929021 LAST_NAME PETERSON ADDRESS 2118 MADISON AVENUE CITY NEWPORT NEW STATE VA ZIP 236070000 MORT $37,000.00 BAL $36,836.35 RATE 10.9900 PAI $420.31 CLTV 81.937 MATURITY 121003 FEE 0.5000 LOAN 0000021929047 LAST_NAME CLINE ADDRESS 527 SAGEHEN WAY CITY FREDERICK STATE MD ZIP 217030000 MORT $32,350.00 BAL $32,271.87 RATE 9.9900 PAI $347.44 CLTV 54.630 MATURITY 121016 FEE 0.5000 LOAN 0000021929062 LAST_NAME JAMISON ADDRESS 805 SPEDDEN STREET CITY BALTIMORE STATE MD ZIP 212160000 MORT $42,300.00 BAL $42,246.07 RATE 10.2500 PAI $415.24 CLTV 90.000 MATURITY 171022 FEE 0.5000 LOAN 0000021929096 LAST_NAME HELD ADDRESS 146 PARKFIELD STREET CITY PITTSBURGH STATE PA ZIP 152100000 MORT $70,400.00 BAL $69,904.64 RATE 9.8000 PAI $670.08 CLTV 80.000 MATURITY 170904 FEE 0.5000 LOAN 0000021929104 LAST_NAME PIERCE ADDRESS 109 URBAN STREET UNIT 21 CITY BLOOMINGTON STATE IL ZIP 617040000 MORT $24,100.00 BAL $24,041.80 RATE 9.9900 PAI $258.83 CLTV 79.318 MATURITY 121010 FEE 0.5000 LOAN 0000021929138 LAST_NAME SHAFFER ADDRESS BILKIE STATE LINE ROA CITY MILLERTON STATE NY ZIP 125460000 MORT $28,100.00 BAL $24,482.21 RATE 9.7500 PAI $367.46 CLTV 47.874 MATURITY 71021 FEE 0.5000 LOAN 0000021929146 LAST_NAME MANILY ADDRESS 510 LINCOLN STREET CITY LINDEN STATE NJ ZIP 070360000 MORT $34,050.00 BAL $33,973.35 RATE 10.7500 PAI $381.68 CLTV 30.401 MATURITY 121022 FEE 0.5000 LOAN 0000021929153 LAST_NAME WRIGHT ADDRESS 8788 16 MILE RD CITY PARIS STATE MI ZIP 493380000 MORT $46,500.00 BAL $46,458.59 RATE 9.9900 PAI $407.73 CLTV 84.545 MATURITY 271001 FEE 0.5000 LOAN 0000021929187 LAST_NAME MORRISON ADDRESS 600 W 2ND AVENUE CITY GLENWOOD STATE GA ZIP 304280000 MORT $44,700.00 BAL $44,577.90 RATE 9.7500 PAI $423.99 CLTV 68.036 MATURITY 171002 FEE 0.5000 LOAN 0000021929203 LAST_NAME BLANDFORD ADDRESS 14215 STONE CHASE WAY CITY CENTERVILLE STATE VA ZIP 201210000 MORT $91,500.00 BAL $91,145.22 RATE 12.3900 PAI $1,121.22 CLTV 84.904 MATURITY 120909 FEE 0.5000 LOAN 0000021929211 LAST_NAME RASSEL ADDRESS 984 SUNNYFIELD LANE CITY LAWRENCEVIL STATE GA ZIP 302430000 MORT $15,900.00 BAL $15,829.68 RATE 10.9900 PAI $180.62 CLTV 84.712 MATURITY 120829 FEE 0.5000 LOAN 0000021929237 LAST_NAME OSBORNE ADDRESS 2 MARK TWAIN LANE CITY EAST SETAUK STATE NY ZIP 117330000 MORT $44,600.00 BAL $44,600.00 RATE 8.9900 PAI $400.99 CLTV 25.485 MATURITY 171002 FEE 0.5000 LOAN 0000021929252 LAST_NAME WILLIS ADDRESS 214 NORTH MAPLE STREET CITY ARGOS STATE IN ZIP 465010000 MORT $13,000.00 BAL $12,970.74 RATE 10.7500 PAI $145.72 CLTV 75.714 MATURITY 120929 FEE 0.5000 LOAN 0000021929294 LAST_NAME HORNE ADDRESS 5291 MOSS HOLLOW COVE CITY MEMPHIS STATE TN ZIP 381340000 MORT $60,000.00 BAL $59,749.32 RATE 8.9500 PAI $537.91 CLTV 69.767 MATURITY 170929 FEE 0.5000 LOAN 0000021929302 LAST_NAME SEYMOUR ADDRESS 387 GENERAL LEROY MANOR R CITY MORRISONVIL STATE NY ZIP 129620000 MORT $80,000.00 BAL $79,880.06 RATE 8.9900 PAI $719.27 CLTV 80.000 MATURITY 171022 FEE 0.5000 LOAN 0000021929310 LAST_NAME MILLER ADDRESS 15 WEST STREET CITY WHITESBORO STATE NY ZIP 134920000 MORT $41,600.00 BAL $41,486.65 RATE 8.9900 PAI $421.69 CLTV 80.000 MATURITY 121020 FEE 0.5000 LOAN 0000021929328 LAST_NAME ROGERS ADDRESS 4 PLAZA LANE CITY SELDEN STATE NY ZIP 117840000 MORT $106,000.00 BAL $106,000.00 RATE 8.7500 PAI $936.73 CLTV 75.714 MATURITY 171008 FEE 0.5000 LOAN 0000021929336 LAST_NAME KING ADDRESS 120-45 200TH ST CITY JAMAICA STATE NY ZIP 114120000 MORT $42,000.00 BAL $41,937.03 RATE 8.9900 PAI $377.62 CLTV 25.454 MATURITY 171020 FEE 0.5000 LOAN 0000021929351 LAST_NAME DEYETTE ADDRESS 41 GLENWOOD AVENUE CITY QUEENSBURY STATE NY ZIP 128040000 MORT $32,900.00 BAL $32,729.35 RATE 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STATE NJ ZIP 083600000 MORT $112,500.00 BAL $112,500.00 RATE 9.8000 PAI $970.68 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021930664 LAST_NAME KOLLMAR ADDRESS 46 EASTBROOK LANE CITY WILLINGBORO STATE NJ ZIP 080460000 MORT $84,000.00 BAL $83,797.15 RATE 9.9900 PAI $902.15 CLTV 80.000 MATURITY 121028 FEE 0.5000 LOAN 0000021930698 LAST_NAME MCCANN ADDRESS 386 ROADSTOWN GREENWICH R CITY STOW CREEK STATE NJ ZIP 083020000 MORT $62,600.00 BAL $62,600.00 RATE 10.2500 PAI $835.95 CLTV 71.136 MATURITY 71101 FEE 0.5000 LOAN 0000021930722 LAST_NAME STILL ADDRESS 520 HEMMINGS WAY CITY LAWNSIDE BO STATE NJ ZIP 080450000 MORT $90,900.00 BAL $90,900.00 RATE 10.9900 PAI $1,032.60 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021930748 LAST_NAME MAURER ADDRESS 49 WEST HARMONY STREET CITY BOROUGH OF STATE NJ ZIP 080690000 MORT $34,500.00 BAL $34,500.00 RATE 11.6500 PAI $406.32 CLTV 67.647 MATURITY 121101 FEE 0.5000 LOAN 0000021930789 LAST_NAME YOUNG ADDRESS 1219 LEHMAN STREET CITY LEBANON STATE PA ZIP 170460000 MORT $38,350.00 BAL $38,350.00 RATE 9.9000 PAI $333.72 CLTV 81.595 MATURITY 271119 FEE 0.5000 LOAN 0000021930854 LAST_NAME ESPOSITO ADDRESS 75 EDGAR STREET CITY EAST HAVEN STATE CT ZIP 065120000 MORT $66,000.00 BAL $66,000.00 RATE 10.6000 PAI $608.67 CLTV 58.928 MATURITY 121117 FEE 0.5000 LOAN 0000021930961 LAST_NAME WEST ADDRESS 130 19TH AVENUE CITY TOWNSHIP OF STATE NJ ZIP 071110000 MORT $43,400.00 BAL $43,400.00 RATE 12.6500 PAI $539.16 CLTV 72.333 MATURITY 121101 FEE 0.5000 LOAN 0000021931027 LAST_NAME EADDY ADDRESS 478 WEST HANOVER STREET CITY TRENTON CIT STATE NJ ZIP 086500000 MORT $63,000.00 BAL $63,000.00 RATE 12.4500 PAI $774.44 CLTV 75.000 MATURITY 121101 FEE 0.5000 LOAN 0000021931043 LAST_NAME COONS ADDRESS 719 GREEN STREET CITY GREENSBURG STATE PA ZIP 156010000 MORT $72,800.00 BAL $72,800.00 RATE 9.4500 PAI $609.49 CLTV 82.259 MATURITY 271124 FEE 0.5000 LOAN 0000021931134 LAST_NAME STRICKLAND ADDRESS 21831 S 4TH STREET CITY SILVERHILL STATE AL ZIP 365760000 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CITY BIRMINGHAM STATE AL ZIP 352210000 MORT $27,000.00 BAL $26,607.97 RATE 13.1000 PAI $343.39 CLTV 58.695 MATURITY 121024 FEE 0.5000 LOAN 0000021931449 LAST_NAME MUSTAFA ADDRESS 2962 W. 101ST PLACE CITY EVERGREEN P STATE IL ZIP 608050000 MORT $100,000.00 BAL $100,000.00 RATE 8.5000 PAI $867.83 CLTV 79.365 MATURITY 171124 FEE 0.5000 LOAN 0000021931456 LAST_NAME PERRY ADDRESS 104 HELMS AVENUE CITY SWEDESBORO STATE NJ ZIP 080850000 MORT $43,900.00 BAL $43,900.00 RATE 9.7500 PAI $465.06 CLTV 48.241 MATURITY 121115 FEE 0.5000 LOAN 0000021931654 LAST_NAME COOK ADDRESS 319 COUNTY ROAD 1193 CITY CULLMAN STATE AL ZIP 350550000 MORT $53,200.00 BAL $53,172.42 RATE 9.2500 PAI $437.66 CLTV 79.402 MATURITY 121024 FEE 0.5000 LOAN 0000021931662 LAST_NAME GOLDSON ADDRESS 1112 ENSLEY AVENUE CITY MULGA STATE AL ZIP 351180000 MORT $36,000.00 BAL $36,000.00 RATE 11.4000 PAI $381.44 CLTV 78.260 MATURITY 171024 FEE 0.5000 LOAN 0000021931795 LAST_NAME JAMES ADDRESS 1767 PEACH AVE CITY MEMPHIS STATE TN ZIP 381120000 MORT $62,200.00 BAL $61,886.55 RATE 8.9500 PAI $786.25 CLTV 69.111 MATURITY 71020 FEE 0.5000 LOAN 0000021931902 LAST_NAME MACK ADDRESS 412 NORTH CENTRAL AVENUE CITY ROCKFORD STATE IL ZIP 611010000 MORT $27,000.00 BAL $27,000.00 RATE 11.3000 PAI $263.27 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021932181 LAST_NAME LINDQUIST ADDRESS 20 HAWTHORNE ROAD CITY KINGSTON STATE MA ZIP 023640000 MORT $152,000.00 BAL $152,000.00 RATE 9.1000 PAI $1,233.98 CLTV 80.000 MATURITY 271117 FEE 0.5000 LOAN 0000021932330 LAST_NAME TAYLOR ADDRESS 1530 MADISON AVENUE CITY ATLANTIC CI STATE NJ ZIP 084010000 MORT $38,000.00 BAL $38,000.00 RATE 9.8500 PAI $404.87 CLTV 63.333 MATURITY 121125 FEE 0.5000 LOAN 0000021932744 LAST_NAME FATH ADDRESS 6334 N. 9TH AVENUE CITY ST PETERSBU STATE FL ZIP 337100000 MORT $57,600.00 BAL $57,600.00 RATE 8.7000 PAI $507.19 CLTV 80.000 MATURITY 171124 FEE 0.5000 LOAN 0000021932991 LAST_NAME KENNEDY ADDRESS 7712 SWAN TERRACE CITY LANDOVER STATE MD ZIP 207850000 MORT $88,000.00 BAL $87,951.83 RATE 8.9900 PAI $707.44 CLTV 80.000 MATURITY 271020 FEE 0.5000 LOAN 0000021933023 LAST_NAME TAYLOR ADDRESS 1057 ELLICOTT DRIVE CITY BALTIMORE STATE MD ZIP 212160000 MORT $21,500.00 BAL $21,456.96 RATE 12.0000 PAI $258.04 CLTV 85.000 MATURITY 121020 FEE 0.5000 LOAN 0000021933130 LAST_NAME GOLDMAN ADDRESS 5003 IVANHOE AVENUE CITY BALTIMORE STATE MD ZIP 212120000 MORT $70,400.00 BAL $70,400.00 RATE 9.3900 PAI $586.32 CLTV 80.000 MATURITY 271029 FEE 0.5000 LOAN 0000021933171 LAST_NAME MCDOWELL ADDRESS 2524 11TH STREET NW CITY WASHINGTON STATE DC ZIP 200100000 MORT $26,500.00 BAL $26,464.61 RATE 9.9900 PAI $255.56 CLTV 21.115 MATURITY 171022 FEE 0.5000 LOAN 0000021933221 LAST_NAME MCDONALD ADDRESS 4616 BROOKS STREET NE CITY WASHINGTON STATE DC ZIP 200190000 MORT $88,000.00 BAL $87,177.06 RATE 9.7900 PAI $758.65 CLTV 80.000 MATURITY 271022 FEE 0.5000 LOAN 0000021933247 LAST_NAME HOWELL ADDRESS 1825 KALORAMA ROAD NW CITY WASHINGTON STATE DC ZIP 200090000 MORT $283,050.00 BAL $282,864.85 RATE 8.9500 PAI $2,267.31 CLTV 85.000 MATURITY 120929 FEE 0.5000 LOAN 0000021933254 LAST_NAME BEVERLY ADDRESS 5321 5TH STREET NW CITY WASHINGTON STATE DC ZIP 200110000 MORT $60,000.00 BAL $59,973.40 RATE 9.9900 PAI $526.10 CLTV 48.387 MATURITY 271024 FEE 0.5000 LOAN 0000021933270 LAST_NAME STORER ADDRESS 7 EFFORD COURT CITY WILLIAMSBUR STATE VA ZIP 231880000 MORT $192,000.00 BAL $191,889.53 RATE 8.7500 PAI $1,510.47 CLTV 80.000 MATURITY 121020 FEE 0.5000 LOAN 0000021933346 LAST_NAME VIOLETTE ADDRESS 250 CHAPEL STREET CITY MILFORD STATE CT ZIP 064600000 MORT $76,500.00 BAL $76,500.00 RATE 8.5000 PAI $663.88 CLTV 56.666 MATURITY 171113 FEE 0.5000 LOAN 0000021933361 LAST_NAME SAMPSON ADDRESS 52 MANOR ROAD CITY CRANSTON STATE RI ZIP 029200000 MORT $61,000.00 BAL $61,000.00 RATE 8.1500 PAI $588.25 CLTV 37.195 MATURITY 121119 FEE 0.5000 LOAN 0000021933387 LAST_NAME SPILLMAN ADDRESS 2713 WISHON ROAD CITY YADKINVILLE STATE NC ZIP 270550000 MORT $62,400.00 BAL $62,400.00 RATE 10.2500 PAI $559.17 CLTV 80.000 MATURITY 271126 FEE 0.5000 LOAN 0000021933726 LAST_NAME STRYESAK ADDRESS 19 WATKINS AVENUE CITY CRANSTON STATE RI ZIP 029200000 MORT $92,000.00 BAL $92,000.00 RATE 8.7500 PAI $723.77 CLTV 80.000 MATURITY 121119 FEE 0.5000 LOAN 0000021934039 LAST_NAME BECK ADDRESS 6305 DORCHESTER ROAD CITY LOCKPORT STATE NY ZIP 140940000 MORT $45,750.00 BAL $45,750.00 RATE 10.5000 PAI $418.49 CLTV 81.417 MATURITY 121021 FEE 0.5000 LOAN 0000021934138 LAST_NAME BROWN ADDRESS 1433 ROXIE STREET CITY ATLANTIC BE STATE FL ZIP 322330000 MORT $34,400.00 BAL $34,400.00 RATE 8.6500 PAI $429.28 CLTV 68.800 MATURITY 71110 FEE 0.5000 LOAN 0000021934955 LAST_NAME LINDSEY ADDRESS 936 BUCKLEY HIGHWAY CITY UNION STATE CT ZIP 060760000 MORT $83,200.00 BAL $83,200.00 RATE 8.9000 PAI $692.52 CLTV 80.000 MATURITY 221114 FEE 0.5000 LOAN 0000021935135 LAST_NAME JACKSON ADDRESS 1817 MARTIN LUTHER KING J CITY BIRMINGHAM STATE AL ZIP 352110000 MORT $31,600.00 BAL $31,570.77 RATE 14.0000 PAI $392.95 CLTV 80.000 MATURITY 170923 FEE 0.5000 LOAN 0000021935176 LAST_NAME ROXBY ADDRESS 4865 163RD AVE NORTH CITY CLEARWATER STATE FL ZIP 337620000 MORT $15,000.00 BAL $15,000.00 RATE 8.3000 PAI $184.38 CLTV 29.411 MATURITY 71126 FEE 0.5000 LOAN 0000021935184 LAST_NAME GRIMSBY ADDRESS 2724 CENTURY DRIVE CITY WINNEBAGO STATE IL ZIP 610880000 MORT $123,750.00 BAL $123,750.00 RATE 10.5000 PAI $1,131.99 CLTV 75.000 MATURITY 121112 FEE 0.5000 LOAN 0000021935192 LAST_NAME THOMAS ADDRESS 2 W MAPLE AVE CITY SUFFERN STATE NY ZIP 109010000 MORT $131,250.00 BAL $131,250.00 RATE 9.9900 PAI $1,265.73 CLTV 75.000 MATURITY 171016 FEE 0.5000 LOAN 0000021935242 LAST_NAME UHL ADDRESS 5141 GANDER ROAD WEST CITY DAYTON STATE OH ZIP 454240000 MORT $44,000.00 BAL $44,000.00 RATE 7.9500 PAI $366.67 CLTV 43.564 MATURITY 171029 FEE 0.5000 LOAN 0000021935267 LAST_NAME MOORE ADDRESS 1015 W 108TH PL CITY CHICAGO STATE IL ZIP 606430000 MORT $59,000.00 BAL $58,970.97 RATE 9.5000 PAI $496.11 CLTV 51.304 MATURITY 121020 FEE 0.5000 LOAN 0000021935291 LAST_NAME ROARK ADDRESS 1185 WOODBRIAR DRIVE CITY SUFFIELD TO STATE OH ZIP 442600000 MORT $96,000.00 BAL $96,000.00 RATE 8.7900 PAI $757.98 CLTV 80.000 MATURITY 121024 FEE 0.5000 LOAN 0000021935390 LAST_NAME SCHAFER ADDRESS 3614 N SANFORD AVENUE CITY STOW STATE OH ZIP 442240000 MORT $54,400.00 BAL $54,400.00 RATE 9.5000 PAI $457.43 CLTV 85.000 MATURITY 121022 FEE 0.5000 LOAN 0000021935606 LAST_NAME TEDDER ADDRESS 4819 KENYON DR CITY INDIANAPOLI STATE IN ZIP 462260000 MORT $46,700.00 BAL $46,670.21 RATE 8.2500 PAI $350.85 CLTV 77.833 MATURITY 271027 FEE 0.5000 LOAN 0000021935754 LAST_NAME SMAY ADDRESS 2504 CENTER CIRCLE CITY CLEARFIELD STATE PA ZIP 168300000 MORT $106,250.00 BAL $106,250.00 RATE 9.4900 PAI $892.64 CLTV 85.000 MATURITY 121105 FEE 0.5000 LOAN 0000021935762 LAST_NAME JONES ADDRESS 6640 MARIE ROAD CITY THEODORE STATE AL ZIP 365820000 MORT $26,881.00 BAL $26,881.00 RATE 11.0000 PAI $277.46 CLTV 80.000 MATURITY 171104 FEE 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ADDRESS 3940 56TH AVENUE NORTH CITY ST PETERSBU STATE FL ZIP 337140000 MORT $52,000.00 BAL $51,837.72 RATE 8.6500 PAI $405.38 CLTV 72.222 MATURITY 270610 FEE 0.5000 LOAN 0000021939251 LAST_NAME RUBIN ADDRESS 2303 CONTINENTAL BLVD CITY ORLANDO STATE FL ZIP 328080000 MORT $48,200.00 BAL $47,929.60 RATE 8.5000 PAI $370.62 CLTV 76.507 MATURITY 270211 FEE 0.5000 LOAN 0000021939301 LAST_NAME FIGG ADDRESS 21695 RAINTREE ST CITY DUNNELLON STATE FL ZIP 344310000 MORT $39,500.00 BAL $38,155.48 RATE 8.5000 PAI $388.97 CLTV 79.000 MATURITY 120220 FEE 0.5000 LOAN 0000021939376 LAST_NAME SEACHRIST ADDRESS 13100 KENNIS CT CITY JACKSONVILL STATE FL ZIP 322250000 MORT $68,800.00 BAL $68,631.51 RATE 8.5000 PAI $529.01 CLTV 80.000 MATURITY 270702 FEE 0.5000 LOAN 0000021939400 LAST_NAME WEIMER ADDRESS 803 SPRING LAKE ROAD CITY ALTAMONTE S STATE FL ZIP 327010000 MORT $48,000.00 BAL $47,470.72 RATE 8.6500 PAI $476.90 CLTV 80.000 MATURITY 120627 FEE 0.5000 LOAN 0000021939426 LAST_NAME CAPOSEY ADDRESS 5426 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CITY CLEARWATER STATE FL ZIP 346240000 MORT $66,400.00 BAL $66,202.18 RATE 8.6500 PAI $517.63 CLTV 80.000 MATURITY 270604 FEE 0.5000 LOAN 0000021939996 LAST_NAME JONES ADDRESS 500 LEMON STREET CITY GREEN COVE STATE FL ZIP 320430000 MORT $28,000.00 BAL $27,612.67 RATE 8.6500 PAI $278.19 CLTV 56.000 MATURITY 120602 FEE 0.5000 LOAN 0000021940119 LAST_NAME MARTINEZ ADDRESS 18265 MAIN ST CITY PEYTON STATE CO ZIP 808310000 MORT $78,000.00 BAL $77,857.25 RATE 8.5000 PAI $599.75 CLTV 75.000 MATURITY 270705 FEE 0.5000 LOAN 0000021940135 LAST_NAME DREHER ADDRESS 7910 SOARING TRAIL LANE CITY TAMPA STATE FL ZIP 336150000 MORT $92,800.00 BAL $92,579.60 RATE 8.6500 PAI $723.44 CLTV 80.000 MATURITY 270702 FEE 0.5000 LOAN 0000021940143 LAST_NAME JONES ADDRESS 10207 NW 6TH STREET CITY PLANTATION STATE FL ZIP 333240000 MORT $20,000.00 BAL $19,235.81 RATE 8.4000 PAI $246.90 CLTV 12.121 MATURITY 70402 FEE 0.5000 LOAN 0000021940150 LAST_NAME JENSEN ADDRESS 8240 W EDGE HILL COURT CITY CRYSTAL RIV STATE FL ZIP 344290000 MORT $37,600.00 BAL $37,096.40 RATE 8.6500 PAI $329.88 CLTV 80.000 MATURITY 170507 FEE 0.5000 LOAN 0000021940168 LAST_NAME LEWIS ADDRESS 1924 SW 3 STREET CITY OCALA STATE FL ZIP 344740000 MORT $75,200.00 BAL $72,632.19 RATE 8.6500 PAI $841.04 CLTV 80.000 MATURITY 90402 FEE 0.5000 LOAN 0000021940176 LAST_NAME TAYLOR ADDRESS 603 DEARBORN AVENUE CITY ALTAMONTE S STATE FL ZIP 327010000 MORT $56,400.00 BAL $56,142.00 RATE 8.6500 PAI $439.68 CLTV 66.352 MATURITY 270402 FEE 0.5000 LOAN 0000021940184 LAST_NAME GROOMS ADDRESS 7105 SALERNO ROAD CITY FORT PIERCE STATE FL ZIP 349510000 MORT $60,000.00 BAL $59,821.24 RATE 8.6500 PAI $467.74 CLTV 80.000 MATURITY 270502 FEE 0.5000 LOAN 0000021940192 LAST_NAME TURNER ADDRESS 2631 EAGLES NEST CT CITY ORLANDO STATE FL ZIP 328240000 MORT $123,000.00 BAL $122,456.27 RATE 8.4000 PAI $937.06 CLTV 79.354 MATURITY 270402 FEE 0.5000 LOAN 0000021940200 LAST_NAME WIERZBOWSKI ADDRESS 130 E ALMA AVE CITY LAKE MARY STATE FL ZIP 327460000 MORT $53,000.00 BAL $52,777.32 RATE 8.6500 PAI $413.17 CLTV 75.822 MATURITY 270402 FEE 0.5000 LOAN 0000021940218 LAST_NAME HUDSON ADDRESS 6820 THOMAS ST CITY HOLLYWOOD STATE FL ZIP 330240000 MORT $33,000.00 BAL $32,618.97 RATE 8.4000 PAI $284.30 CLTV 47.826 MATURITY 170402 FEE 0.5000 LOAN 0000021940226 LAST_NAME SMITH ADDRESS 2008 VOTAW ROAD CITY APOPKA STATE FL ZIP 327030000 MORT $112,000.00 BAL $111,321.44 RATE 8.5000 PAI $861.18 CLTV 77.777 MATURITY 270625 FEE 0.5000 LOAN 0000021940234 LAST_NAME PETERSON ADDRESS 659 N MACDONALD STREET CITY MESA STATE AZ ZIP 852010000 MORT $91,200.00 BAL $90,549.08 RATE 8.4000 PAI $694.80 CLTV 80.000 MATURITY 270328 FEE 0.5000 LOAN 0000021940242 LAST_NAME PERSONS ADDRESS 1600 LYNDALE BLVD CITY MAITLAND STATE FL ZIP 327510000 MORT $92,800.00 BAL $92,212.74 RATE 8.6500 PAI $814.17 CLTV 80.000 MATURITY 170623 FEE 0.5000 LOAN 0000021940259 LAST_NAME JOHNSON ADDRESS 340 S POINSETTA LANE CITY CRYSTAL RIV STATE FL ZIP 344290000 MORT $52,800.00 BAL $51,392.68 RATE 8.5000 PAI $405.99 CLTV 80.000 MATURITY 270215 FEE 0.5000 LOAN 0000021940267 LAST_NAME HADD ADDRESS 2532 S MARION STREET CITY DENVER STATE CO ZIP 802100000 MORT $124,000.00 BAL $123,773.05 RATE 8.5000 PAI $953.45 CLTV 80.000 MATURITY 270802 FEE 0.5000 LOAN 0000021940283 LAST_NAME MILLER ADDRESS 1120 FARRIOR DR CITY CHARLOTTE STATE NC ZIP 282150000 MORT $76,000.00 BAL $75,573.74 RATE 8.5000 PAI $584.37 CLTV 73.786 MATURITY 270226 FEE 0.5000 LOAN 0000021940291 LAST_NAME SHERER ADDRESS 5800 WILSON STREET CITY HOLLYWOOD STATE FL ZIP 330210000 MORT $38,500.00 BAL $37,627.31 RATE 8.5000 PAI $379.12 CLTV 70.000 MATURITY 120228 FEE 0.5000 LOAN 0000021940309 LAST_NAME JEWTRAW ADDRESS 9519 TOWANDA LANE CITY PORT RICHEY STATE FL ZIP 346680000 MORT $79,800.00 BAL $79,403.56 RATE 8.5000 PAI $613.59 CLTV 79.800 MATURITY 270228 FEE 0.5000 LOAN 0000021940317 LAST_NAME BARRY ADDRESS 937 S DEAN CIRCLE CITY DELTONA STATE FL ZIP 327380000 MORT $30,000.00 BAL $29,669.17 RATE 8.6500 PAI $298.07 CLTV 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0.5000 LOAN 0000021940382 LAST_NAME SHERRY ADDRESS 7374 HOLIDAY DRIVE CITY SPRING HILL STATE FL ZIP 346060000 MORT $44,000.00 BAL $43,895.50 RATE 8.6500 PAI $343.01 CLTV 78.571 MATURITY 270617 FEE 0.5000 LOAN 0000021940390 LAST_NAME SAVARESE ADDRESS 1666 SE SHEPARD LANE CITY PORT ST LUC STATE FL ZIP 349830000 MORT $63,000.00 BAL $59,579.74 RATE 8.6500 PAI $786.17 CLTV 64.285 MATURITY 70618 FEE 0.5000 LOAN 0000021940408 LAST_NAME FOURREAU ADDRESS 4161 39TH STREET SOUTH CITY ST PETERSBU STATE FL ZIP 337110000 MORT $100,000.00 BAL $98,859.58 RATE 8.5000 PAI $867.82 CLTV 74.626 MATURITY 170312 FEE 0.5000 LOAN 0000021940416 LAST_NAME DUBOCK ADDRESS 2252 BOLGER AVENUE CITY SPRING HILL STATE FL ZIP 346090000 MORT $43,500.00 BAL $43,084.10 RATE 8.6500 PAI $381.64 CLTV 50.000 MATURITY 170516 FEE 0.5000 LOAN 0000021940424 LAST_NAME GOLDMAN ADDRESS 10741 BRIDLETON RD CITY PORT RICHEY STATE FL ZIP 346680000 MORT $53,000.00 BAL $52,809.82 RATE 8.6500 PAI $413.17 CLTV 79.104 MATURITY 270421 FEE 0.5000 LOAN 0000021940432 LAST_NAME COMMIRE ADDRESS 9041 AVALON AVENUE CITY ENGLEWOOD STATE FL ZIP 342240000 MORT $30,000.00 BAL $29,585.67 RATE 8.6500 PAI $298.07 CLTV 27.777 MATURITY 120519 FEE 0.5000 LOAN 0000021940440 LAST_NAME CARPENTER ADDRESS 372 GWYN AVE CITY ELKIN STATE NC ZIP 286210000 MORT $70,000.00 BAL $68,467.87 RATE 8.4000 PAI $603.05 CLTV 77.777 MATURITY 170418 FEE 0.5000 LOAN 0000021940457 LAST_NAME REDMAN ADDRESS 4703 BIRD ROAD SOUTH CITY PLANT CITY STATE FL ZIP 335670000 MORT $64,500.00 BAL $64,307.83 RATE 8.6500 PAI $502.82 CLTV 75.882 MATURITY 270520 FEE 0.5000 LOAN 0000021940473 LAST_NAME ROUSSET ADDRESS 3979 BISCAYNE DRIVE CITY WINTER SPRI STATE FL ZIP 327080000 MORT $124,000.00 BAL $123,478.99 RATE 8.6500 PAI $966.67 CLTV 80.000 MATURITY 270409 FEE 0.5000 LOAN 0000021940481 LAST_NAME RESTAINO ADDRESS 1184 INVERNESS ST. CITY PORT CHARLO STATE FL ZIP 339520000 MORT $84,000.00 BAL $83,698.58 RATE 8.6500 PAI $654.84 CLTV 80.000 MATURITY 270428 FEE 0.5000 LOAN 0000021940507 LAST_NAME LINVILLE ADDRESS 1207 BARANOVA ROAD CITY OCOEE STATE FL ZIP 347610000 MORT $37,800.00 BAL $37,170.23 RATE 8.6500 PAI $375.56 CLTV 57.272 MATURITY 120502 FEE 0.5000 LOAN 0000021940515 LAST_NAME CARTER ADDRESS 5478 BRANDONWOOD DR CITY MURRAY STATE UT ZIP 841230000 MORT $112,000.00 BAL $109,461.10 RATE 8.5000 PAI $1,102.91 CLTV 80.000 MATURITY 120303 FEE 0.5000 LOAN 0000021940523 LAST_NAME MEZA ADDRESS 1851 18TH AVENUE SE CITY RUSKIN STATE FL ZIP 335700000 MORT $40,550.00 BAL $38,554.35 RATE 8.5000 PAI $502.76 CLTV 52.662 MATURITY 70226 FEE 0.5000 LOAN 0000021940531 LAST_NAME WELLS ADDRESS 1492 BELLESHORE CIRCLE S CITY JACKSONVILL STATE FL ZIP 322180000 MORT $82,500.00 BAL $82,204.01 RATE 8.6500 PAI $643.14 CLTV 47.142 MATURITY 270502 FEE 0.5000 LOAN 0000021940549 LAST_NAME WADE ADDRESS 850 SW CURRY STREET CITY PORT ST. LU STATE FL ZIP 349830000 MORT $60,000.00 BAL $59,784.71 RATE 8.6500 PAI $467.74 CLTV 80.000 MATURITY 270502 FEE 0.5000 LOAN 0000021940556 LAST_NAME D'ANGELO ADDRESS 2688 MALLOW ROAD CITY VENICE STATE FL ZIP 342930000 MORT $64,000.00 BAL $63,770.37 RATE 8.6500 PAI $498.92 CLTV 77.108 MATURITY 270502 FEE 0.5000 LOAN 0000021940564 LAST_NAME CAJUSTE ADDRESS 1024 SW 71ST CT CITY MIAMI STATE FL ZIP 331440000 MORT $90,800.00 BAL $90,339.64 RATE 8.4000 PAI $691.75 CLTV 76.302 MATURITY 270311 FEE 0.5000 LOAN 0000021940572 LAST_NAME MCCULLERS ADDRESS RT 3 BOX 3820, BEAVER CRE CITY HAVANA STATE FL ZIP 323330000 MORT $76,000.00 BAL $75,727.30 RATE 8.6500 PAI $592.47 CLTV 79.166 MATURITY 270502 FEE 0.5000 LOAN 0000021940580 LAST_NAME RODRIGUEZ ADDRESS 2908 BERMUDA AVE SOUTH CITY APOPKA STATE FL ZIP 327030000 MORT $69,600.00 BAL $69,271.39 RATE 8.7500 PAI $547.54 CLTV 80.000 MATURITY 270304 FEE 0.5000 LOAN 0000021940598 LAST_NAME FAULK ADDRESS 800 PUTNAM AVENUE CITY ORLANDO STATE FL ZIP 328040000 MORT $136,000.00 BAL $135,344.63 RATE 8.6500 PAI $1,060.21 CLTV 77.714 MATURITY 270317 FEE 0.5000 LOAN 0000021940606 LAST_NAME SILVERMAN ADDRESS 4290 NW 113 AVENUE CITY SUNRISE STATE FL ZIP 333230000 MORT $58,000.00 BAL $57,768.78 RATE 8.6500 PAI $452.15 CLTV 53.211 MATURITY 270507 FEE 0.5000 LOAN 0000021940614 LAST_NAME FLEMING ADDRESS 8150 CECIL ST CITY JACKSONVILL STATE FL ZIP 322210000 MORT $54,400.00 BAL $53,166.83 RATE 8.5000 PAI $535.70 CLTV 80.000 MATURITY 120305 FEE 0.5000 LOAN 0000021940622 LAST_NAME HAWKINS ADDRESS 11369 WILMINGTON BOULEVAR CITY PORT CHARLO STATE FL ZIP 339810000 MORT $80,000.00 BAL $79,589.84 RATE 8.6500 PAI $623.66 CLTV 80.000 MATURITY 270318 FEE 0.5000 LOAN 0000021940630 LAST_NAME GREEN ADDRESS 21 OAK LOOP CITY OCALA STATE FL ZIP 344720000 MORT $49,600.00 BAL $49,169.39 RATE 8.5000 PAI $381.38 CLTV 74.029 MATURITY 270305 FEE 0.5000 LOAN 0000021940648 LAST_NAME SMITH ADDRESS 838 NE 6TH STREET CITY CRYSTAL RIV STATE FL ZIP 344280000 MORT $36,100.00 BAL $35,890.68 RATE 8.5000 PAI $355.49 CLTV 77.634 MATURITY 120902 FEE 0.5000 LOAN 0000021940655 LAST_NAME HENRY ADDRESS 2101 N HASTINGS STREET CITY ORLANDO STATE FL ZIP 328080000 MORT $44,000.00 BAL $43,815.13 RATE 8.6500 PAI $343.01 CLTV 80.000 MATURITY 270314 FEE 0.5000 LOAN 0000021940663 LAST_NAME TENNEY ADDRESS 1012 W DRAGON AVE CITY MESA STATE AZ ZIP 852100000 MORT $84,000.00 BAL $83,603.35 RATE 8.7500 PAI $660.83 CLTV 80.000 MATURITY 270303 FEE 0.5000 LOAN 0000021940671 LAST_NAME HERRMANN ADDRESS 616 GRAY SQUIRREL COURT CITY APOPKA STATE FL ZIP 327120000 MORT $57,500.00 BAL $57,214.28 RATE 8.5000 PAI $442.13 CLTV 60.526 MATURITY 270312 FEE 0.5000 LOAN 0000021940689 LAST_NAME EVANS ADDRESS 10265 SW 92 AVENUE CITY OCALA STATE FL ZIP 344820000 MORT $28,000.00 BAL $27,844.66 RATE 8.5000 PAI $275.73 CLTV 65.116 MATURITY 120905 FEE 0.5000 LOAN 0000021940697 LAST_NAME SITO ADDRESS 1288 W BUTTONBUSH DRIVE CITY BEVERLY HIL STATE FL ZIP 344650000 MORT $52,000.00 BAL $51,741.38 RATE 8.5000 PAI $399.84 CLTV 63.414 MATURITY 270228 FEE 0.5000 LOAN 0000021940705 LAST_NAME WILSON ADDRESS 3801 NE 18TH AVENUE CITY POMPANO BEA STATE FL ZIP 330640000 MORT $60,000.00 BAL $59,701.88 RATE 8.5000 PAI $461.35 CLTV 75.000 MATURITY 270317 FEE 0.5000 LOAN 0000021940721 LAST_NAME MEIRELES ADDRESS 1710 SW 102 AVENUE CITY MIAMI STATE FL ZIP 331650000 MORT $55,900.00 BAL $54,621.82 RATE 8.4000 PAI $547.20 CLTV 39.928 MATURITY 120315 FEE 0.5000 LOAN 0000021940739 LAST_NAME GONZALEZ ADDRESS 613 OREGON WOODS COURT CITY ORLANDO STATE FL ZIP 328240000 MORT $84,000.00 BAL $83,574.48 RATE 8.4040 PAI $640.18 CLTV 80.000 MATURITY 270307 FEE 0.5000 LOAN 0000021940747 LAST_NAME PFISTER ADDRESS 41828 VIOLA WAY CITY EUSTIS STATE FL ZIP 327360000 MORT $100,800.00 BAL $100,615.52 RATE 8.5000 PAI $775.06 CLTV 80.000 MATURITY 270716 FEE 0.5000 LOAN 0000021940754 LAST_NAME BRAATEN ADDRESS 7504 E LOMPOC AVE CITY MESA STATE AZ ZIP 852080000 MORT $18,850.00 BAL $16,768.50 RATE 8.4000 PAI $385.83 CLTV 11.424 MATURITY 20321 FEE 0.5000 LOAN 0000021940762 LAST_NAME KWONG ADDRESS 1479 E HANCOCK DRIVE CITY DELTONA STATE FL ZIP 327250000 MORT $50,000.00 BAL $49,877.54 RATE 8.5000 PAI $384.46 CLTV 52.631 MATURITY 270715 FEE 0.5000 LOAN 0000021940770 LAST_NAME CONNOLLY ADDRESS 12025 WALKER POND ROAD CITY WINTER GARD STATE FL ZIP 347870000 MORT $90,000.00 BAL $89,552.86 RATE 8.5000 PAI $692.02 CLTV 75.000 MATURITY 270225 FEE 0.5000 LOAN 0000021940788 LAST_NAME AUSTIN ADDRESS 1934 SE 1ST STREET CITY CAPE CORAL STATE FL ZIP 339900000 MORT $68,000.00 BAL $66,277.39 RATE 8.6500 PAI $675.62 CLTV 57.142 MATURITY 120321 FEE 0.5000 LOAN 0000021940796 LAST_NAME GEORGE ADDRESS 2218 BURTON AVENUE CITY FT MYERS STATE FL ZIP 339070000 MORT $48,000.00 BAL $47,372.12 RATE 8.5000 PAI $416.56 CLTV 52.173 MATURITY 170225 FEE 0.5000 LOAN 0000021940812 LAST_NAME PITTMAN ADDRESS RT 1,BOX 187-14 CITY WALNUT COVE STATE NC ZIP 270520000 MORT $111,200.00 BAL $110,646.44 RATE 8.4900 PAI $854.24 CLTV 80.000 MATURITY 270224 FEE 0.5000 LOAN 0000021940820 LAST_NAME RAY ADDRESS 4826 PLYMOUTH ST CITY JACKSONVILL STATE FL ZIP 322050000 MORT $32,500.00 BAL $31,083.31 RATE 8.5000 PAI $402.95 CLTV 57.017 MATURITY 70220 FEE 0.5000 LOAN 0000021940838 LAST_NAME PAPALE ADDRESS 6410 SAWYER ROAD CITY TAMPA STATE FL ZIP 336340000 MORT $60,800.00 BAL $60,531.21 RATE 8.4000 PAI $463.20 CLTV 80.000 MATURITY 270324 FEE 0.5000 LOAN 0000021940846 LAST_NAME THOMPSON ADDRESS 2715 W LOUISIANA AVE CITY TAMPA STATE FL ZIP 336140000 MORT $23,500.00 BAL $22,475.57 RATE 8.5000 PAI $291.37 CLTV 37.301 MATURITY 70224 FEE 0.5000 LOAN 0000021940853 LAST_NAME DUNSON ADDRESS 107 WILLOWCREEK DRIVE CITY LA GRANGE STATE GA ZIP 302400000 MORT $53,600.00 BAL $53,302.65 RATE 8.5000 PAI $527.82 CLTV 80.000 MATURITY 120902 FEE 0.5000 LOAN 0000021940861 LAST_NAME HEPTING ADDRESS 9288 WEST 75TH PLACE CITY ARVADA STATE CO ZIP 800050000 MORT $112,000.00 BAL $111,865.20 RATE 8.5500 PAI $865.16 CLTV 80.000 MATURITY 270902 FEE 0.5000 LOAN 0000021940879 LAST_NAME WRIGHT ADDRESS 122 ARTHUR HANEY RD CITY DOBSON STATE NC ZIP 270170000 MORT $96,000.00 BAL $93,571.18 RATE 8.4900 PAI $944.79 CLTV 76.800 MATURITY 120718 FEE 0.5000 LOAN 0000021940887 LAST_NAME HARRELL ADDRESS RT 1,BOX 18A CITY QUINCY STATE FL ZIP 323510000 MORT $87,900.00 BAL $86,917.76 RATE 8.5000 PAI $865.59 CLTV 75.128 MATURITY 120715 FEE 0.5000 LOAN 0000021940895 LAST_NAME BADGER ADDRESS 9412 ATTENBURY DRIVE CITY TAMPA STATE FL ZIP 336150000 MORT $50,000.00 BAL $49,877.54 RATE 8.5000 PAI $384.46 CLTV 73.529 MATURITY 270702 FEE 0.5000 LOAN 0000021940903 LAST_NAME BODOR ADDRESS 6260 10TH AVENUE S.W. CITY NAPLES STATE FL ZIP 341160000 MORT $103,300.00 BAL $103,047.01 RATE 8.5000 PAI $794.29 CLTV 75.401 MATURITY 270712 FEE 0.5000 LOAN 0000021940911 LAST_NAME MARTIN ADDRESS 1598 NE 21ST TERRACE CITY JENSEN BEAC STATE FL ZIP 349570000 MORT $68,000.00 BAL $67,561.56 RATE 8.5000 PAI $590.12 CLTV 80.000 MATURITY 170718 FEE 0.5000 LOAN 0000021940929 LAST_NAME WALKER ADDRESS 5636 DOVE DRIVE CITY PACE STATE FL ZIP 325710000 MORT $65,000.00 BAL $64,881.05 RATE 8.5000 PAI $499.79 CLTV 75.144 MATURITY 270708 FEE 0.5000 LOAN 0000021940945 LAST_NAME ERICKSON ADDRESS 4208 JACKSON ST CITY HOLLYWOOD STATE FL ZIP 330210000 MORT $96,000.00 BAL $95,823.92 RATE 8.4900 PAI $737.48 CLTV 63.157 MATURITY 270721 FEE 0.5000 LOAN 0000021940952 LAST_NAME ARIAS ADDRESS 13762 OMEGA CIRCLE CITY LITTLETON STATE CO ZIP 801240000 MORT $124,000.00 BAL $123,647.98 RATE 8.5000 PAI $953.45 CLTV 80.000 MATURITY 270708 FEE 0.5000 LOAN 0000021940960 LAST_NAME BULETKO ADDRESS 3744 YALE AVE NE CITY CANTON STATE OH ZIP 447090000 MORT $80,000.00 BAL $79,850.54 RATE 8.4000 PAI $609.47 CLTV 79.207 MATURITY 270721 FEE 0.5000 LOAN 0000021940978 LAST_NAME MAGEE ADDRESS 1002 SW WHITTIER TERRACE CITY PORT ST. LU STATE FL ZIP 349530000 MORT $63,200.00 BAL $62,885.38 RATE 8.5000 PAI $485.95 CLTV 80.000 MATURITY 270708 FEE 0.5000 LOAN 0000021940986 LAST_NAME MCCOY ADDRESS 1023 GOLDFLOSS CITY WINSTON SAL STATE NC ZIP 271070000 MORT $50,800.00 BAL $50,712.04 RATE 8.8000 PAI $401.45 CLTV 80.000 MATURITY 270721 FEE 0.5000 LOAN 0000021940994 LAST_NAME MCDONALD ADDRESS 8341 MIRANDA STREET CITY NAVARRE STATE FL ZIP 325660000 MORT $76,000.00 BAL $75,813.89 RATE 8.5000 PAI $584.37 CLTV 76.000 MATURITY 270707 FEE 0.5000 LOAN 0000021941000 LAST_NAME SWAN ADDRESS 4120 SW 5 AVE CITY OCALA STATE FL ZIP 344740000 MORT $92,000.00 BAL $91,831.61 RATE 8.5000 PAI $707.40 CLTV 80.000 MATURITY 270725 FEE 0.5000 LOAN 0000021941018 LAST_NAME HAYES ADDRESS 1410 E PALIFOX STREET CITY TAMPA STATE FL ZIP 336030000 MORT $34,000.00 BAL $33,907.42 RATE 8.7500 PAI $267.48 CLTV 65.384 MATURITY 270702 FEE 0.5000 LOAN 0000021941026 LAST_NAME MARTIN ADDRESS 3007 S MILLER ROAD CITY VALRICO STATE FL ZIP 335940000 MORT $65,600.00 BAL $65,237.20 RATE 8.5000 PAI $504.41 CLTV 80.000 MATURITY 270702 FEE 0.5000 LOAN 0000021941034 LAST_NAME HIGGINS ADDRESS 7280 SE 120TH STREET CITY BELLEVIEW STATE FL ZIP 344200000 MORT $69,600.00 BAL $68,624.37 RATE 8.5000 PAI $685.38 CLTV 80.000 MATURITY 120623 FEE 0.5000 LOAN 0000021941042 LAST_NAME CHILDERS ADDRESS 5001 SW 170 AVENUE CITY FT LAUDERDA STATE FL ZIP 333310000 MORT $159,200.00 BAL $158,810.11 RATE 8.5000 PAI $1,224.11 CLTV 80.000 MATURITY 270701 FEE 0.5000 LOAN 0000021941059 LAST_NAME HOLLAND ADDRESS 2890 40TH ST NORTH CITY ST PETERSBU STATE FL ZIP 337130000 MORT $39,000.00 BAL $38,812.08 RATE 8.5000 PAI $338.45 CLTV 54.929 MATURITY 170728 FEE 0.5000 LOAN 0000021941067 LAST_NAME ANDERSON ADDRESS 141 12TH AVENUE NE CITY ST. PETERSB STATE FL ZIP 337010000 MORT $56,700.00 BAL $56,066.40 RATE 8.5000 PAI $558.35 CLTV 56.700 MATURITY 120707 FEE 0.5000 LOAN 0000021941075 LAST_NAME JOYNER ADDRESS 7025 WEST JEANS LANE CITY CRYSTAL RIV STATE FL ZIP 344230000 MORT $74,000.00 BAL $73,783.37 RATE 8.5000 PAI $595.87 CLTV 79.569 MATURITY 220726 FEE 0.5000 LOAN 0000021941083 LAST_NAME GILRANE ADDRESS 6731 SW 7TH PLACE CITY NORTH LAUDE STATE FL ZIP 330680000 MORT $79,000.00 BAL $78,855.40 RATE 8.5000 PAI $607.44 CLTV 60.769 MATURITY 270702 FEE 0.5000 LOAN 0000021941091 LAST_NAME FERNANDEZ ADDRESS 7729 WELD CO RD 24 CITY LONGMONT STATE CO ZIP 805040000 MORT $64,000.00 BAL $63,682.06 RATE 8.5000 PAI $492.10 CLTV 42.105 MATURITY 270220 FEE 0.5000 LOAN 0000021941109 LAST_NAME DEACON ADDRESS 2180 FARNSWORTH DRIVE CITY COLORADO SP STATE CO ZIP 809160000 MORT $74,400.00 BAL $74,217.80 RATE 8.5000 PAI $572.07 CLTV 77.500 MATURITY 270702 FEE 0.5000 LOAN 0000021941117 LAST_NAME PARDUHN ADDRESS 182 S 1860 WEST CITY PROVO STATE UT ZIP 846010000 MORT $71,300.00 BAL $70,940.46 RATE 8.5000 PAI $548.24 CLTV 72.020 MATURITY 270702 FEE 0.5000 LOAN 0000021941125 LAST_NAME ANGELOCCI ADDRESS 9160 PALADIUM PLACE CITY LAKE WORTH STATE FL ZIP 334670000 MORT $50,000.00 BAL $49,582.45 RATE 8.5000 PAI $492.37 CLTV 30.303 MATURITY 120820 FEE 0.5000 LOAN 0000021941133 LAST_NAME BALLER ADDRESS 5501 NW 61 CT CITY OCALA STATE FL ZIP 344820000 MORT $43,300.00 BAL $43,220.75 RATE 8.5000 PAI $332.94 CLTV 78.727 MATURITY 270815 FEE 0.5000 LOAN 0000021941141 LAST_NAME MCQUILLEN ADDRESS 5522 S TAMPA AVENUE CITY ORLANDO STATE FL ZIP 328390000 MORT $59,000.00 BAL $58,715.69 RATE 8.5000 PAI $512.02 CLTV 78.666 MATURITY 170815 FEE 0.5000 LOAN 0000021941158 LAST_NAME BEASLEY ADDRESS 4240 WILLOW CT CITY PACE STATE FL ZIP 325710000 MORT $33,000.00 BAL $32,724.30 RATE 8.5000 PAI $324.96 CLTV 64.705 MATURITY 120813 FEE 0.5000 LOAN 0000021941174 LAST_NAME FRANCIS ADDRESS 2922 N 52ND AVE CITY PHOENIX STATE AZ ZIP 850310000 MORT $62,400.00 BAL $62,232.62 RATE 8.5500 PAI $482.01 CLTV 80.000 MATURITY 270813 FEE 0.5000 LOAN 0000021941182 LAST_NAME ARISTIL ADDRESS 18820 NW 11TH AVE CITY MIAMI STATE FL ZIP 331690000 MORT $55,000.00 BAL $53,770.89 RATE 8.5000 PAI $422.90 CLTV 61.797 MATURITY 270318 FEE 0.5000 LOAN 0000021941190 LAST_NAME FITZPATRICK ADDRESS 4116 55TH AVENUE NORTH CITY ST. PETERSB STATE FL ZIP 337140000 MORT $37,600.00 BAL $37,507.92 RATE 8.5000 PAI $289.11 CLTV 80.000 MATURITY 270702 FEE 0.5000 LOAN 0000021941208 LAST_NAME ELLIOTT ADDRESS 1240 N HENRY POINT CITY CRYSTAL RIV STATE FL ZIP 344290000 MORT $56,700.00 BAL $56,631.06 RATE 8.5000 PAI $435.97 CLTV 75.600 MATURITY 270813 FEE 0.5000 LOAN 0000021941216 LAST_NAME COOK ADDRESS 21783 EDGEWATER DRIVE CITY PORT CHARLO STATE FL ZIP 339520000 MORT $83,000.00 BAL $82,796.72 RATE 8.5000 PAI $638.20 CLTV 75.454 MATURITY 270702 FEE 0.5000 LOAN 0000021941224 LAST_NAME TOWNSEND ADDRESS 5410 MANSFIELD PLACE CITY JACKSONVILL STATE FL ZIP 322070000 MORT $73,600.00 BAL $73,191.68 RATE 8.5000 PAI $724.77 CLTV 79.567 MATURITY 120812 FEE 0.5000 LOAN 0000021941232 LAST_NAME WILLIAMSON ADDRESS 1107 GOSHEN ROAD CITY TARPON SPRI STATE FL ZIP 346890000 MORT $64,800.00 BAL $64,641.28 RATE 8.5000 PAI $498.26 CLTV 80.000 MATURITY 270628 FEE 0.5000 LOAN 0000021941240 LAST_NAME BRYANT ADDRESS 6923 WEST VIRGINIA AVE CITY JACKSONVILL STATE FL ZIP 322090000 MORT $12,500.00 BAL $12,291.46 RATE 8.5000 PAI $154.98 CLTV 27.777 MATURITY 70804 FEE 0.5000 LOAN 0000021941323 LAST_NAME O'ROURKE ADDRESS 6023 SUNNYBROOK CITY ENGLEWOOD STATE FL ZIP 342240000 MORT $47,000.00 BAL $46,626.87 RATE 8.6500 PAI $412.35 CLTV 58.024 MATURITY 170602 FEE 0.5000 LOAN 0000021941398 LAST_NAME RODRIGUEZ ADDRESS 740 NORTH 68TH TERRACE CITY HOLLYWOOD STATE FL ZIP 330240000 MORT $92,000.00 BAL $91,774.68 RATE 8.5000 PAI $707.40 CLTV 80.000 MATURITY 270702 FEE 0.5000 LOAN 0000021941489 LAST_NAME ORTIZ ADDRESS 3450 CHARLESTON BLVD CITY FT LAUDERDA STATE FL ZIP 333120000 MORT $38,600.00 BAL $38,505.47 RATE 8.5000 PAI $296.80 CLTV 42.651 MATURITY 270702 FEE 0.5000 LOAN 0000021941539 LAST_NAME LEWANDOWSKI ADDRESS 3087 ARDENWOOD DRIVE CITY SPRING HILL STATE FL ZIP 346090000 MORT $42,500.00 BAL $42,373.35 RATE 8.6500 PAI $331.32 CLTV 51.204 MATURITY 270609 FEE 0.5000 LOAN 0000021941562 LAST_NAME LEACH ADDRESS 280 36TH STREET N.W. CITY WINTER HAVE STATE FL ZIP 338800000 MORT $48,000.00 BAL $47,336.00 RATE 8.6500 PAI $476.90 CLTV 80.000 MATURITY 120609 FEE 0.5000 LOAN 0000021941661 LAST_NAME HUDSON ADDRESS 7005 FOUNTAIN BLEAU CRESC CITY JACKSONVILL STATE FL ZIP 322110000 MORT $42,000.00 BAL $41,418.98 RATE 8.6500 PAI $417.29 CLTV 79.245 MATURITY 120603 FEE 0.5000 LOAN 0000021941679 LAST_NAME VEGA ADDRESS 202 E PENNSYLVANIA AVE CITY WINTER GARD STATE FL ZIP 347870000 MORT $44,800.00 BAL $43,906.84 RATE 8.4000 PAI $438.54 CLTV 80.000 MATURITY 120321 FEE 0.5000 LOAN 0000021941711 LAST_NAME JOHNSON ADDRESS 1801 E HATTON STREET CITY PENSACOLA STATE FL ZIP 325010000 MORT $62,000.00 BAL $61,886.51 RATE 8.5000 PAI $476.73 CLTV 74.698 MATURITY 270802 FEE 0.5000 LOAN 0000021941737 LAST_NAME WHITE ADDRESS 5911 ROBINHOOD ROAD CITY PFAFFTOWN STATE NC ZIP 270400000 MORT $95,100.00 BAL $95,066.00 RATE 10.9900 PAI $904.95 CLTV 73.153 MATURITY 121003 FEE 0.5000 LOAN 0000021941752 LAST_NAME MARTIN ADDRESS 6012 FOREST GREEN RD CITY PENSACOLA STATE FL ZIP 325050000 MORT $172,000.00 BAL $171,310.76 RATE 8.4000 PAI $1,310.36 CLTV 80.000 MATURITY 270611 FEE 0.5000 LOAN 0000021941778 LAST_NAME WHITE ADDRESS 8966 IRONGATE DR CITY JACKSONVILL STATE FL ZIP 322440000 MORT $128,000.00 BAL $126,967.28 RATE 8.4000 PAI $1,022.08 CLTV 80.000 MATURITY 220402 FEE 0.5000 LOAN 0000021941794 LAST_NAME DANNELLY ADDRESS 120 FAIRLANE CIRCLE CITY SANFORD STATE FL ZIP 327730000 MORT $53,600.00 BAL $53,440.30 RATE 8.6500 PAI $417.85 CLTV 80.000 MATURITY 270602 FEE 0.5000 LOAN 0000021941810 LAST_NAME STEVERSON ADDRESS 33 MILTON ROAD CITY PENSACOLA STATE FL ZIP 325070000 MORT $49,000.00 BAL $48,854.00 RATE 8.6500 PAI $381.99 CLTV 79.032 MATURITY 270616 FEE 0.5000 LOAN 0000021941836 LAST_NAME ECKHOFF ADDRESS 4401 W WYOMING AVENUE CITY TAMPA STATE FL ZIP 336160000 MORT $26,500.00 BAL $25,344.85 RATE 8.5000 PAI $328.56 CLTV 40.769 MATURITY 70222 FEE 0.5000 LOAN 0000021941851 LAST_NAME HERRING ADDRESS 415 DAVIDSON STREET CITY THOMASVILLE STATE NC ZIP 273600000 MORT $52,200.00 BAL $52,085.08 RATE 10.9900 PAI $592.98 CLTV 90.000 MATURITY 121006 FEE 0.5000 LOAN 0000021941877 LAST_NAME ALVAREZ ADDRESS 12225 SW 210 ST CITY MIAMI STATE FL ZIP 331770000 MORT $15,000.00 BAL $15,000.00 RATE 10.9900 PAI $170.40 CLTV 79.751 MATURITY 121015 FEE 0.5000 LOAN 0000021941885 LAST_NAME WILDBAHN ADDRESS 4642 ABRIGADOR TRAIL CITY COMSTOCK PA STATE MI ZIP 493210000 MORT $63,750.00 BAL $63,750.00 RATE 10.6400 PAI $589.83 CLTV 85.000 MATURITY 121022 FEE 0.5000 LOAN 0000021941893 LAST_NAME CURRY ADDRESS 907 CHURCH ST CITY NAVASSA STATE NC ZIP 284040000 MORT $73,950.00 BAL $73,950.00 RATE 10.7900 PAI $692.54 CLTV 85.000 MATURITY 121027 FEE 0.5000 LOAN 0000021941935 LAST_NAME WILDER ADDRESS 1782 MAGGIE CITY FOUNTAIN STATE MI ZIP 494100000 MORT $25,000.00 BAL $24,988.05 RATE 9.6400 PAI $212.78 CLTV 73.529 MATURITY 121001 FEE 0.5000 LOAN 0000021941943 LAST_NAME LEDOUX ADDRESS 395 NORTH WAYNE STREET CITY JESUP STATE GA ZIP 315460000 MORT $36,000.00 BAL $36,000.00 RATE 10.9900 PAI $342.57 CLTV 80.000 MATURITY 121015 FEE 0.5000 LOAN 0000021941984 LAST_NAME REED ADDRESS 1824 MEADOWHILL ST CITY MEMPHIS STATE TN ZIP 381060000 MORT $51,300.00 BAL $51,300.00 RATE 10.9900 PAI $1,115.14 CLTV 90.000 MATURITY 21014 FEE 0.5000 LOAN 0000021942024 LAST_NAME ROGERS ADDRESS 3415 STEEPLECHASE ROAD CITY ZEHPYRHILLS STATE FL ZIP 335430000 MORT $30,000.00 BAL $29,575.18 RATE 8.6500 PAI $233.87 CLTV 40.000 MATURITY 270604 FEE 0.5000 LOAN 0000021942198 LAST_NAME MARTIN ADDRESS 204 OKLAHOMA AVENUE CITY MATTOON STATE IL ZIP 619380000 MORT $55,250.00 BAL $55,250.00 RATE 9.2400 PAI $707.09 CLTV 83.712 MATURITY 71017 FEE 0.5000 LOAN 0000021942222 LAST_NAME BRYANT ADDRESS 3334 CORNELIA DRIVE CITY LOUISVILLE, STATE KY ZIP 402200000 MORT $84,000.00 BAL $83,846.25 RATE 8.5000 PAI $645.89 CLTV 80.000 MATURITY 270728 FEE 0.5000 LOAN 0000021942248 LAST_NAME LEWIS ADDRESS 2200 NW 9 PLACE CITY FT LAUDERDA STATE FL ZIP 333310000 MORT $64,000.00 BAL $63,973.95 RATE 10.3900 PAI $580.18 CLTV 80.000 MATURITY 120926 FEE 0.5000 LOAN 0000021942255 LAST_NAME BITTNER ADDRESS 7706 PACIFIC AVENUE CITY FT PIERCE STATE FL ZIP 349510000 MORT $68,000.00 BAL $67,975.69 RATE 10.9900 PAI $647.07 CLTV 80.000 MATURITY 120923 FEE 0.5000 LOAN 0000021942263 LAST_NAME MORIN ADDRESS 2147 HENRY STREET CITY MUSKEGON STATE MI ZIP 494410000 MORT $33,200.00 BAL $33,187.19 RATE 10.6400 PAI $307.18 CLTV 80.000 MATURITY 121015 FEE 0.5000 LOAN 0000021942271 LAST_NAME VALDES ADDRESS 4941 NW 192 ST CITY MIAMI STATE FL ZIP 330550000 MORT $68,250.00 BAL $68,171.05 RATE 10.9900 PAI $704.01 CLTV 68.250 MATURITY 171001 FEE 0.5000 LOAN 0000021942289 LAST_NAME LEWIS ADDRESS 645 EAST CAMPUS CIRCLE CITY FT LAUDERDA STATE FL ZIP 333120000 MORT $30,000.00 BAL $29,931.09 RATE 10.6400 PAI $334.23 CLTV 33.333 MATURITY 121001 FEE 0.5000 LOAN 0000021942297 LAST_NAME PETERMAN ADDRESS 4600 REDWOOD DRIVE CITY FT PIERCE STATE FL ZIP 349510000 MORT $110,100.00 BAL $110,100.00 RATE 9.6400 PAI $937.05 CLTV 74.897 MATURITY 121016 FEE 0.5000 LOAN 0000021942305 LAST_NAME KEIFFER ADDRESS 3613 EDLAND DRIVE CITY ORLANDO STATE FL ZIP 328120000 MORT $80,000.00 BAL $79,768.11 RATE 8.5000 PAI $615.13 CLTV 76.923 MATURITY 270728 FEE 0.5000 LOAN 0000021942321 LAST_NAME BERTRAND ADDRESS 1030 SW 87 AVE, #4-A CITY MIAMI STATE FL ZIP 331740000 MORT $25,000.00 BAL $24,929.63 RATE 10.9900 PAI $257.88 CLTV 70.542 MATURITY 170916 FEE 0.5000 LOAN 0000021942339 LAST_NAME WOOMER ADDRESS 6414 SW 103RD STREET ROAD CITY OCALA STATE FL ZIP 344760000 MORT $72,000.00 BAL $71,789.24 RATE 8.5000 PAI $579.76 CLTV 79.120 MATURITY 220825 FEE 0.5000 LOAN 0000021942396 LAST_NAME VIGIL ADDRESS 76 NW 118 ST CITY MIAMI STATE FL ZIP 331680000 MORT $66,000.00 BAL $66,000.00 RATE 8.7400 PAI $582.83 CLTV 79.518 MATURITY 171008 FEE 0.5000 LOAN 0000021942412 LAST_NAME STAFFORD ADDRESS 125 ALPINE DR CITY SAVANNAH STATE GA ZIP 314050000 MORT $63,750.00 BAL $63,727.21 RATE 10.9900 PAI $606.63 CLTV 83.881 MATURITY 270923 FEE 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$122,400.00 BAL $122,356.26 RATE 10.9900 PAI $1,164.72 CLTV 90.000 MATURITY 121001 FEE 0.5000 LOAN 0000021942834 LAST_NAME G'ALVEZ ADDRESS 10842 SW 90TH TERRACE CITY OCALA STATE FL ZIP 344810000 MORT $42,500.00 BAL $42,417.35 RATE 8.5000 PAI $342.22 CLTV 68.548 MATURITY 220825 FEE 0.5000 LOAN 0000021942867 LAST_NAME RODRIGUEZ ADDRESS 6494 SW 24 ST CITY MIAMI STATE FL ZIP 331550000 MORT $92,500.00 BAL $92,500.00 RATE 10.8900 PAI $947.86 CLTV 82.589 MATURITY 171017 FEE 0.5000 LOAN 0000021942875 LAST_NAME FOOTE ADDRESS 6091 GREENBRIAR FARMS ROA CITY FT MYERS STATE FL ZIP 339050000 MORT $202,500.00 BAL $202,500.00 RATE 10.4900 PAI $1,850.84 CLTV 75.000 MATURITY 121021 FEE 0.5000 LOAN 0000021942909 LAST_NAME BECKFORD ADDRESS 11260 NW 17 AVE CITY MIAMI STATE FL ZIP 331670000 MORT $20,000.00 BAL $20,000.00 RATE 10.9900 PAI $227.20 CLTV 29.850 MATURITY 121014 FEE 0.5000 LOAN 0000021942941 LAST_NAME BABUSCIO ADDRESS 6531 HOHMAN CITY HAMMOND STATE IN ZIP 463240000 MORT $100,000.00 BAL $100,000.00 RATE 8.9900 PAI $803.91 CLTV 60.606 MATURITY 121022 FEE 0.5000 LOAN 0000021942966 LAST_NAME HICKS ADDRESS 409 NORTH GILL STREET CITY ZEBULON STATE NC ZIP 275970000 MORT $68,750.00 BAL $68,750.00 RATE 8.7400 PAI $540.37 CLTV 79.988 MATURITY 121017 FEE 0.5000 LOAN 0000021942990 LAST_NAME SANTIAGO ADDRESS 1455 NW 29 AVE CITY MIAMI STATE FL ZIP 331250000 MORT $35,000.00 BAL $35,000.00 RATE 10.2400 PAI $381.27 CLTV 79.489 MATURITY 121016 FEE 0.5000 LOAN 0000021943030 LAST_NAME BURTON ADDRESS 107 CALLOWAY LANE CITY STATE ROAD STATE NC ZIP 286760000 MORT $68,800.00 BAL $68,340.21 RATE 8.4000 PAI $524.14 CLTV 80.000 MATURITY 270326 FEE 0.5000 LOAN 0000021943055 LAST_NAME BUTLER ADDRESS 159 LAKESHORE VISTA DR CITY KINGSTON STATE TN ZIP 377630000 MORT $116,000.00 BAL $116,000.00 RATE 10.4900 PAI $1,060.24 CLTV 80.000 MATURITY 121016 FEE 0.5000 LOAN 0000021943097 LAST_NAME DIXON ADDRESS 2332 POPLAR ST CITY DENVER STATE CO ZIP 802070000 MORT $68,000.00 BAL $68,000.00 RATE 10.4900 PAI $621.52 CLTV 80.000 MATURITY 121015 FEE 0.5000 LOAN 0000021943105 LAST_NAME CASTEEL ADDRESS 3330 NW 27TH AVENUE CITY GAINESVILLE STATE FL ZIP 326050000 MORT $64,000.00 BAL $63,740.19 RATE 8.4000 PAI $487.58 CLTV 78.048 MATURITY 270402 FEE 0.5000 LOAN 0000021943113 LAST_NAME GRASSO ADDRESS 4059 W 58TH ST CITY CHICAGO STATE IL ZIP 606290000 MORT $50,700.00 BAL $50,569.26 RATE 8.7400 PAI $398.50 CLTV 65.000 MATURITY 121008 FEE 0.5000 LOAN 0000021943147 LAST_NAME DAVISON ADDRESS 10080 BELLS FERRY ROAD CITY CANTON STATE GA ZIP 301140000 MORT $61,600.00 BAL $61,600.00 RATE 9.2400 PAI $506.33 CLTV 80.000 MATURITY 271008 FEE 0.5000 LOAN 0000021943162 LAST_NAME FRAZIER ADDRESS 1700 SUNDOWN DR CITY LAWRENCEBUR STATE TN ZIP 384640000 MORT $74,800.00 BAL $74,770.52 RATE 10.5400 PAI $686.47 CLTV 85.000 MATURITY 120910 FEE 0.5000 LOAN 0000021943220 LAST_NAME VON ASCHERSL ADDRESS 4543 W GREENWAY ROAD CITY GLENDALE STATE IL ZIP 853060000 MORT $134,400.00 BAL $134,400.00 RATE 8.7400 PAI $1,056.37 CLTV 74.666 MATURITY 121010 FEE 0.5000 LOAN 0000021943238 LAST_NAME ORTIZ ADDRESS 3131 NW 27TH ST CITY MIAMI STATE FL ZIP 331420000 MORT $30,000.00 BAL $30,000.00 RATE 10.9900 PAI $340.80 CLTV 41.095 MATURITY 121016 FEE 0.5000 LOAN 0000021943246 LAST_NAME MARKS ADDRESS 2054 W 15 ST CITY JACKSONVILL STATE FL ZIP 322090000 MORT $32,000.00 BAL $31,987.92 RATE 10.7400 PAI $298.48 CLTV 80.000 MATURITY 120926 FEE 0.5000 LOAN 0000021943253 LAST_NAME SCHELL ADDRESS 439 BOWENS MILL HWY CITY FITZGERALD STATE GA ZIP 317500000 MORT $83,300.00 BAL $83,300.00 RATE 10.5400 PAI $833.89 CLTV 83.300 MATURITY 171016 FEE 0.5000 LOAN 0000021943295 LAST_NAME BRADSHAW ADDRESS 3900 NW 178 ST CITY MIAMI STATE FL ZIP 330550000 MORT $65,000.00 BAL $64,696.14 RATE 10.1400 PAI $633.31 CLTV 68.421 MATURITY 170915 FEE 0.5000 LOAN 0000021943394 LAST_NAME HAWKINS ADDRESS 681 SANDPIPER DR CITY VONORE STATE TN ZIP 378850000 MORT $60,000.00 BAL $60,000.00 RATE 10.4900 PAI $662.87 CLTV 58.795 MATURITY 121022 FEE 0.5000 LOAN 0000021943519 LAST_NAME CORTEZ ADDRESS 2215 COOLIDGE STREET CITY HOLLYWOOD STATE FL ZIP 330200000 MORT $58,300.00 BAL $58,300.00 RATE 10.4900 PAI $532.86 CLTV 79.972 MATURITY 121022 FEE 0.5000 LOAN 0000021943543 LAST_NAME GONZALEZ ADDRESS 10824 SW 146 PLACE CITY MIAMI STATE FL ZIP 331860000 MORT $12,000.00 BAL $11,985.65 RATE 10.7400 PAI $121.75 CLTV 65.601 MATURITY 171003 FEE 0.5000 LOAN 0000021943568 LAST_NAME HERRAN ADDRESS 6591 SW 15 STREET CITY WEST MIAMI STATE FL ZIP 331440000 MORT $20,000.00 BAL $19,952.36 RATE 10.1400 PAI $216.64 CLTV 12.500 MATURITY 121016 FEE 0.5000 LOAN 0000021943642 LAST_NAME PYLE ADDRESS 101 EAST LEE STREET CITY PLANO STATE IL ZIP 605450000 MORT $84,700.00 BAL $84,628.50 RATE 10.2400 PAI $758.37 CLTV 70.000 MATURITY 120902 FEE 0.5000 LOAN 0000021943691 LAST_NAME KWEK ADDRESS 2446 29TH AVENUE SOUTH WE CITY VERO BEACH STATE FL ZIP 329680000 MORT $50,400.00 BAL $50,381.98 RATE 10.9900 PAI $479.60 CLTV 90.000 MATURITY 121006 FEE 0.5000 LOAN 0000021943725 LAST_NAME ZENDER ADDRESS 308 NORTHERN COURT CITY ISLAND LAKE STATE IL ZIP 600420000 MORT $100,900.00 BAL $100,861.09 RATE 10.6400 PAI $933.55 CLTV 77.022 MATURITY 121006 FEE 0.5000 LOAN 0000021943733 LAST_NAME ESTEVEZ ADDRESS 451 SE 6 STREET CITY HIALEAH STATE FL ZIP 330100000 MORT $102,850.00 BAL $102,813.24 RATE 10.9900 PAI $978.69 CLTV 85.000 MATURITY 271001 FEE 0.5000 LOAN 0000021943741 LAST_NAME GOMEZ ADDRESS 13853 NW 22 STREET CITY SUNRISE STATE FL ZIP 333230000 MORT $150,550.00 BAL $150,495.01 RATE 10.8900 PAI $1,421.23 CLTV 89.975 MATURITY 120926 FEE 0.5000 LOAN 0000021943758 LAST_NAME CLARKE ADDRESS 445 NE 50 TERR CITY MIAMI STATE FL ZIP 331370000 MORT $113,050.00 BAL $112,918.35 RATE 10.9400 PAI $1,162.28 CLTV 85.000 MATURITY 170912 FEE 0.5000 LOAN 0000021943766 LAST_NAME MOYER ADDRESS 323 E HARDIN STREET CITY FINDLAY STATE OH ZIP 458400000 MORT $70,000.00 BAL $69,810.62 RATE 8.7400 PAI $699.21 CLTV 76.086 MATURITY 121010 FEE 0.5000 LOAN 0000021943774 LAST_NAME POTEAT ADDRESS 233 HOWARD STREET CITY BURLINGTON STATE NC ZIP 272150000 MORT $21,000.00 BAL $20,974.56 RATE 10.6400 PAI $211.64 CLTV 70.000 MATURITY 171002 FEE 0.5000 LOAN 0000021943790 LAST_NAME LAMONTAGNE ADDRESS 150 ELY STREET CITY COLORADO SP STATE CO ZIP 809110000 MORT $27,200.00 BAL $27,200.00 RATE 10.4900 PAI $248.61 CLTV 79.976 MATURITY 121022 FEE 0.5000 LOAN 0000021943808 LAST_NAME BROADWAY ADDRESS 1975 PLEASANT GROVE RD CITY WESTMORELAN STATE TN ZIP 371850000 MORT $61,600.00 BAL $61,600.00 RATE 8.7400 PAI $484.17 CLTV 80.000 MATURITY 121101 FEE 0.5000 LOAN 0000021943816 LAST_NAME RICHARDSON ADDRESS 1412 FIRST STREET N.E. CITY MULBERRY STATE FL ZIP 338600000 MORT $44,000.00 BAL $44,000.00 RATE 10.9900 PAI $453.87 CLTV 80.000 MATURITY 171015 FEE 0.5000 LOAN 0000021943857 LAST_NAME AULET ADDRESS 1120 SW 74 AVE CITY MIAMI STATE FL ZIP 331440000 MORT $43,000.00 BAL $42,900.05 RATE 10.9900 PAI $443.55 CLTV 45.263 MATURITY 170915 FEE 0.5000 LOAN 0000021943873 LAST_NAME BOUWHUIS ADDRESS 842 23RD STREET CITY OGDEN STATE UT ZIP 844010000 MORT $86,700.00 BAL $86,664.71 RATE 10.3900 PAI $785.96 CLTV 85.000 MATURITY 121003 FEE 0.5000 LOAN 0000021943881 LAST_NAME WATKINS ADDRESS 36 E MEADOW MILE #3 CITY FRASER STATE CO ZIP 804420000 MORT $44,000.00 BAL $43,983.21 RATE 10.6900 PAI $408.75 CLTV 80.000 MATURITY 121001 FEE 0.5000 LOAN 0000021943964 LAST_NAME ALFARO ADDRESS 1735 W COMMANCHE AVE CITY TAMPA STATE FL ZIP 336030000 MORT $41,250.00 BAL $40,673.74 RATE 8.4000 PAI $355.37 CLTV 75.000 MATURITY 170402 FEE 0.5000 LOAN 0000021944038 LAST_NAME GODDARD ADDRESS 8332 JACKSON SPRINGS ROAD CITY TAMPA STATE FL ZIP 336150000 MORT $52,000.00 BAL $50,697.58 RATE 8.7500 PAI $519.71 CLTV 66.666 MATURITY 120211 FEE 0.5000 LOAN 0000021944087 LAST_NAME ROUNTAS ADDRESS 6020 11TH AVENUE CITY NEW PORT RI STATE FL ZIP 346530000 MORT $43,900.00 BAL $43,218.84 RATE 8.5000 PAI $380.97 CLTV 78.392 MATURITY 170202 FEE 0.5000 LOAN 0000021944129 LAST_NAME HAWKINS ADDRESS 4592 S BERRYPICK LN CITY MEMPHIS STATE TN ZIP 381410000 MORT $67,500.00 BAL $67,421.91 RATE 10.9900 PAI $696.27 CLTV 90.000 MATURITY 171006 FEE 0.5000 LOAN 0000021944194 LAST_NAME CASTANEDA ADDRESS 2500 S RIDGEWAY CITY CHICAGO STATE IL ZIP 606230000 MORT $100,000.00 BAL $100,000.00 RATE 11.3900 PAI $981.91 CLTV 68.728 MATURITY 121101 FEE 0.5000 LOAN 0000021944228 LAST_NAME KELLUM ADDRESS 252 WEST HIGH STREET CITY BOROUGH OF STATE NJ ZIP 083120000 MORT $83,300.00 BAL $83,300.00 RATE 10.9900 PAI $946.26 CLTV 85.000 MATURITY 121110 FEE 0.5000 LOAN 0000021944236 LAST_NAME PALMER ADDRESS 1492 ALVERADO WAY CITY DECATUR STATE GA ZIP 300320000 MORT $30,000.00 BAL $30,000.00 RATE 12.3500 PAI $316.69 CLTV 45.454 MATURITY 271107 FEE 0.5000 LOAN 0000021944244 LAST_NAME MC CRACKEN ADDRESS 26 QUINTON HANCOCKS BR CITY QUINTON TOW STATE NJ ZIP 080720000 MORT $93,600.00 BAL $93,600.00 RATE 10.6000 PAI $863.20 CLTV 90.000 MATURITY 121107 FEE 0.5000 LOAN 0000021944301 LAST_NAME HOWARTH ADDRESS 277 NORWAY AVENUE CITY HAMILTON TO STATE NJ ZIP 086090000 MORT $57,300.00 BAL $57,300.00 RATE 10.8500 PAI $539.20 CLTV 71.625 MATURITY 121110 FEE 0.5000 LOAN 0000021944327 LAST_NAME MILLER ADDRESS 8505 S DAMEN AVE CITY CHICAGO STATE IL ZIP 606200000 MORT $76,800.00 BAL $76,800.00 RATE 9.2400 PAI $631.26 CLTV 80.000 MATURITY 121104 FEE 0.5000 LOAN 0000021944335 LAST_NAME MENAGH ADDRESS 11 DELAWARE AVENUE CITY STANHOPE BO STATE NJ ZIP 078740000 MORT $120,150.00 BAL $120,150.00 RATE 9.9900 PAI $1,053.51 CLTV 90.000 MATURITY 121119 FEE 0.5000 LOAN 0000021944384 LAST_NAME GRAHAM ADDRESS 475 LEA ROAD CITY WEST END STATE NC ZIP 273760000 MORT $30,000.00 BAL $30,000.00 RATE 9.9900 PAI $322.20 CLTV 46.153 MATURITY 121105 FEE 0.5000 LOAN 0000021944418 LAST_NAME HATELEY ADDRESS 16080 E MILAN DRIVE CITY AURORA STATE CO ZIP 800130000 MORT $68,800.00 BAL $68,800.00 RATE 11.0000 PAI $655.20 CLTV 85.256 MATURITY 121024 FEE 0.5000 LOAN 0000021944426 LAST_NAME GRIFFIN ADDRESS 4034 DARTFORD ROAD CITY SOUTH EUCLI STATE OH ZIP 441210000 MORT $58,800.00 BAL $58,800.00 RATE 9.9500 PAI $513.84 CLTV 82.816 MATURITY 271105 FEE 0.5000 LOAN 0000021944434 LAST_NAME HERNANDEZ ADDRESS 20422 NW 46 AVE CITY MIAMI STATE FL ZIP 330550000 MORT $27,900.00 BAL $27,835.95 RATE 10.5400 PAI $309.10 CLTV 84.998 MATURITY 121006 FEE 0.5000 LOAN 0000021944483 LAST_NAME MORRIS ADDRESS 9710 ELIZABETH AVE. CITY CLEVELAND STATE OH ZIP 441050000 MORT $23,600.00 BAL $23,600.00 RATE 13.5500 PAI $307.19 CLTV 41.769 MATURITY 121103 FEE 0.5000 LOAN 0000021944509 LAST_NAME TURNER ADDRESS 4423 19TH PL NE CITY WASHINGTON STATE DC ZIP 200180000 MORT $35,000.00 BAL $35,000.00 RATE 13.5500 PAI $455.58 CLTV 24.137 MATURITY 121104 FEE 0.5000 LOAN 0000021944517 LAST_NAME GALLOWAY ADDRESS 36 SCHULTZ AVENUE CITY GLOUCESTER STATE NJ ZIP 080810000 MORT $90,000.00 BAL $90,000.00 RATE 10.0500 PAI $969.90 CLTV 76.923 MATURITY 121113 FEE 0.5000 LOAN 0000021944525 LAST_NAME TREJO ADDRESS 13217 SW 262 ST CITY HOMESTEAD STATE FL ZIP 330320000 MORT $48,000.00 BAL $47,912.66 RATE 9.6900 PAI $453.40 CLTV 56.470 MATURITY 170924 FEE 0.5000 LOAN 0000021944541 LAST_NAME HOLTON ADDRESS 2254 S STREET SE CITY WASHINGTON STATE DC ZIP 200200000 MORT $41,000.00 BAL $41,000.00 RATE 11.1500 PAI $395.11 CLTV 43.386 MATURITY 121101 FEE 0.5000 LOAN 0000021944574 LAST_NAME BESS ADDRESS 1414 T STREET SE CITY WASHINGTON STATE DC ZIP 200200000 MORT $20,000.00 BAL $20,000.00 RATE 12.9900 PAI $234.17 CLTV 78.796 MATURITY 171103 FEE 0.5000 LOAN 0000021944590 LAST_NAME FITZPATRICK ADDRESS 136 WADE AVENUE CITY LINDENWOLD STATE NJ ZIP 080210000 MORT $37,400.00 BAL $37,400.00 RATE 12.6500 PAI $464.62 CLTV 85.000 MATURITY 121120 FEE 0.5000 LOAN 0000021944608 LAST_NAME WYNNBERRY ADDRESS 835 E MAIN STREET CITY SHELBY STATE NC ZIP 281500000 MORT $75,000.00 BAL $75,000.00 RATE 8.9900 PAI $674.31 CLTV 78.947 MATURITY 171101 FEE 0.5000 LOAN 0000021944632 LAST_NAME TELFORD ADDRESS RD1, BOX 328 CITY BOLIVAR STATE PA ZIP 159230000 MORT $69,400.00 BAL $68,988.97 RATE 9.8900 PAI $603.40 CLTV 80.697 MATURITY 120913 FEE 0.5000 LOAN 0000021944640 LAST_NAME AUSTIN ADDRESS 2116 SHADYWOOD DR CITY THOMASVILLE STATE GA ZIP 317920000 MORT $13,650.00 BAL $13,587.24 RATE 11.0400 PAI $188.34 CLTV 85.489 MATURITY 71006 FEE 0.5000 LOAN 0000021944665 LAST_NAME HACKENY ADDRESS 1805 FORT DAVIS ST SE CITY WASHINGTON STATE DC ZIP 200200000 MORT $74,100.00 BAL $74,100.00 RATE 12.9000 PAI $813.91 CLTV 78.000 MATURITY 121103 FEE 0.5000 LOAN 0000021944673 LAST_NAME RILEY ADDRESS 323 RIDGE ROAD CITY COMMERCIAL STATE NJ ZIP 083320000 MORT $68,000.00 BAL $68,000.00 RATE 11.2500 PAI $713.49 CLTV 85.000 MATURITY 171118 FEE 0.5000 LOAN 0000021944681 LAST_NAME COX ADDRESS 14 OASIS COURT CITY TAYLORS STATE SC ZIP 296870000 MORT $135,000.00 BAL $135,000.00 RATE 10.4900 PAI $1,233.89 CLTV 90.000 MATURITY 121016 FEE 0.5000 LOAN 0000021944756 LAST_NAME BASKIN ADDRESS 3787 N 9TH STREET CITY MILWAUKEE STATE WI ZIP 532060000 MORT $32,000.00 BAL $32,000.00 RATE 9.5000 PAI $269.08 CLTV 74.418 MATURITY 121105 FEE 0.5000 LOAN 0000021944764 LAST_NAME COX ADDRESS 3501 CRITTENDEN CITY HOLLY SPRIN STATE NC ZIP 275020000 MORT $63,200.00 BAL $63,064.23 RATE 11.5500 PAI $628.28 CLTV 80.000 MATURITY 120218 FEE 0.5000 LOAN 0000021944921 LAST_NAME SOKOL ADDRESS 324 DAY DRIVE CITY LORAIN STATE OH ZIP 440520000 MORT $40,000.00 BAL $40,000.00 RATE 8.7900 PAI $400.73 CLTV 45.977 MATURITY 121113 FEE 0.5000 LOAN 0000021944970 LAST_NAME SMITH ADDRESS 3315 HAWTHORNE CITY TAMPA STATE FL ZIP 336110000 MORT $11,000.00 BAL $10,780.68 RATE 8.4000 PAI $107.68 CLTV 13.414 MATURITY 120402 FEE 0.5000 LOAN 0000021945035 LAST_NAME REYES ADDRESS 37413 FIESTA DRIVE CITY DADE CITY STATE FL ZIP 335250000 MORT $48,000.00 BAL $45,397.35 RATE 8.5000 PAI $416.56 CLTV 78.688 MATURITY 170702 FEE 0.5000 LOAN 0000021945043 LAST_NAME BORNEMANN ADDRESS 36698 NEFF ROAD CITY GRAFTON TOW STATE OH ZIP 440440000 MORT $140,000.00 BAL $140,000.00 RATE 8.9900 PAI $1,125.47 CLTV 74.468 MATURITY 271103 FEE 0.5000 LOAN 0000021945050 LAST_NAME SCHIEBLE ADDRESS 1328 N 31ST STREET CITY MILWAUKEE STATE WI ZIP 532080000 MORT $25,400.00 BAL $25,400.00 RATE 8.8000 PAI $200.73 CLTV 59.069 MATURITY 121104 FEE 0.5000 LOAN 0000021945076 LAST_NAME MILLER ADDRESS 229 N OBRIEN ST. CITY SOUTH BEND STATE IN ZIP 466280000 MORT $34,400.00 BAL $34,400.00 RATE 8.7500 PAI $343.82 CLTV 80.000 MATURITY 121110 FEE 0.5000 LOAN 0000021945092 LAST_NAME LABEAU ADDRESS 5424 BURGESS DRIVE CITY SYLVANIA STATE OH ZIP 435600000 MORT $76,000.00 BAL $76,000.00 RATE 8.2000 PAI $645.19 CLTV 80.000 MATURITY 171105 FEE 0.5000 LOAN 0000021945100 LAST_NAME GARZA ADDRESS 473 SUMMIT P.O. 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CITY MURRAY STATE UT ZIP 841070000 MORT $43,900.00 BAL $43,251.70 RATE 8.5000 PAI $380.97 CLTV 43.039 MATURITY 170214 FEE 0.5000 LOAN 0000021945183 LAST_NAME WALLACE ADDRESS 3539 PRADO DRIVE CITY SARASOTA STATE FL ZIP 342350000 MORT $66,000.00 BAL $64,581.78 RATE 8.5000 PAI $818.31 CLTV 70.967 MATURITY 70627 FEE 0.5000 LOAN 0000021945191 LAST_NAME SEMICH ADDRESS 2317 N CENTENNIAL ST. CITY INDIANAPOLI STATE IN ZIP 462220000 MORT $29,000.00 BAL $29,000.00 RATE 8.5000 PAI $285.58 CLTV 65.909 MATURITY 121110 FEE 0.5000 LOAN 0000021945217 LAST_NAME ANDERSON ADDRESS 4232 LARKSPUR LANE CITY WARRENSVILL STATE OH ZIP 441280000 MORT $60,300.00 BAL $60,300.00 RATE 9.9900 PAI $528.74 CLTV 90.000 MATURITY 271106 FEE 0.5000 LOAN 0000021945225 LAST_NAME MOORE ADDRESS 3831 21ST AVENUE S.W. CITY NAPLES STATE FL ZIP 341170000 MORT $49,000.00 BAL $48,452.46 RATE 8.5000 PAI $482.52 CLTV 69.014 MATURITY 120711 FEE 0.5000 LOAN 0000021945241 LAST_NAME STRUKAMP ADDRESS 2436 NILL AVENUE CITY DAYTON STATE OH ZIP 454200000 MORT $52,075.00 BAL $52,075.00 RATE 8.9000 PAI $415.27 CLTV 72.326 MATURITY 121030 FEE 0.5000 LOAN 0000021945282 LAST_NAME MEEHAN ADDRESS 403 S BEVERLY ST CITY WHEATON STATE IL ZIP 601870000 MORT $56,000.00 BAL $56,000.00 RATE 11.4900 PAI $554.14 CLTV 70.810 MATURITY 121101 FEE 0.5000 LOAN 0000021945290 LAST_NAME RICHARDS ADDRESS 5016 CAROLINA ST CITY GARY STATE IN ZIP 464090000 MORT $20,000.00 BAL $20,000.00 RATE 9.7500 PAI $171.84 CLTV 54.054 MATURITY 271105 FEE 0.5000 LOAN 0000021945365 LAST_NAME WILLIAMS ADDRESS 5718 6TH ST NW CITY WASHINGTON STATE DC ZIP 200110000 MORT $41,000.00 BAL $41,000.00 RATE 13.5500 PAI $625.55 CLTV 27.242 MATURITY 71113 FEE 0.5000 LOAN 0000021945399 LAST_NAME MORGAN ADDRESS 153 SHERIFF ST CITY ELYRIA STATE OH ZIP 440350000 MORT $47,000.00 BAL $47,000.00 RATE 9.3000 PAI $431.98 CLTV 75.806 MATURITY 171115 FEE 0.5000 LOAN 0000021945415 LAST_NAME GLASS ADDRESS 11285 PLANK RD CITY HUNTSBURG STATE OH ZIP 440460000 MORT $94,000.00 BAL $94,000.00 RATE 8.9000 PAI $749.59 CLTV 67.142 MATURITY 121113 FEE 0.5000 LOAN 0000021945431 LAST_NAME WATSON ADDRESS 3504 W 99TH STREET CITY CLEVELAND STATE OH ZIP 441020000 MORT $60,300.00 BAL $60,300.00 RATE 9.6500 PAI $568.00 CLTV 84.929 MATURITY 171112 FEE 0.5000 LOAN 0000021945449 LAST_NAME MARCUM ADDRESS 819 GREENWOOD AVENUE CITY HAMILTON STATE OH ZIP 450110000 MORT $28,000.00 BAL $28,000.00 RATE 9.9900 PAI $300.72 CLTV 62.222 MATURITY 121112 FEE 0.5000 LOAN 0000021945506 LAST_NAME BROCK ADDRESS 195 MILLVILLE AVE CITY HAMILTON STATE OH ZIP 450130000 MORT $110,000.00 BAL $110,000.00 RATE 9.5000 PAI $924.94 CLTV 86.614 MATURITY 121110 FEE 0.5000 LOAN 0000021945548 LAST_NAME LANGSTON ADDRESS 203 WEST D AVE CITY EASLEY STATE SC ZIP 296400000 MORT $20,000.00 BAL $19,960.15 RATE 12.0500 PAI $240.68 CLTV 60.606 MATURITY 121027 FEE 0.5000 LOAN 0000021945555 LAST_NAME OWENS ADDRESS 16801 MYRTLE AVE CITY CLEVELAND STATE OH ZIP 441280000 MORT $62,000.00 BAL $62,000.00 RATE 8.9900 PAI $498.42 CLTV 77.500 MATURITY 271027 FEE 0.5000 LOAN 0000021945662 LAST_NAME SMITH ADDRESS 70 ADERHOLT LANE CITY JACKSONVILL STATE AL ZIP 362650000 MORT $54,400.00 BAL $54,292.13 RATE 12.1000 PAI $656.40 CLTV 85.000 MATURITY 121020 FEE 0.5000 LOAN 0000021945670 LAST_NAME DEAMRON ADDRESS 105 STUTZMAN DR CITY GREENFIELD STATE IN ZIP 461400000 MORT $76,800.00 BAL $76,800.00 RATE 8.7500 PAI $767.58 CLTV 80.000 MATURITY 121105 FEE 0.5000 LOAN 0000021945704 LAST_NAME MCCLUNG ADDRESS 185 SHIELDS ROAD CITY DEATSVILLE STATE AL ZIP 360220000 MORT $33,000.00 BAL $33,000.00 RATE 10.9500 PAI $313.02 CLTV 55.000 MATURITY 121110 FEE 0.5000 LOAN 0000021945738 LAST_NAME ROBERTS ADDRESS 241 OBERLIN RD CITY ELYRIA STATE OH ZIP 440350000 MORT $68,800.00 BAL $68,800.00 RATE 9.0400 PAI $555.57 CLTV 80.000 MATURITY 271104 FEE 0.5000 LOAN 0000021945761 LAST_NAME NEWMAN ADDRESS 100 COBB LANE CITY GUNTERSVILL STATE AL ZIP 359760000 MORT $60,000.00 BAL $59,948.92 RATE 10.2000 PAI $535.43 CLTV 50.847 MATURITY 120929 FEE 0.5000 LOAN 0000021945852 LAST_NAME CLEVENGER ADDRESS 6259 US HWY 78 WEST CITY EASTABOGA STATE AL ZIP 362600000 MORT $33,600.00 BAL $33,600.00 RATE 10.5000 PAI $371.41 CLTV 80.000 MATURITY 121107 FEE 0.5000 LOAN 0000021945894 LAST_NAME CANNON ADDRESS 6628 MASON CIRCLE CITY RANDLEMAN STATE NC ZIP 273170000 MORT $73,800.00 BAL $73,800.00 RATE 10.1500 PAI $655.84 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021945902 LAST_NAME COX ADDRESS 2205 SUE DR CITY OXFORD STATE AL ZIP 362030000 MORT $45,000.00 BAL $45,000.00 RATE 10.1000 PAI $437.25 CLTV 75.000 MATURITY 171105 FEE 0.5000 LOAN 0000021945936 LAST_NAME MEANS ADDRESS 6038 GARVER ROAD CITY INDIANAPOLI STATE IN ZIP 462080000 MORT $76,200.00 BAL $76,086.66 RATE 9.5000 PAI $640.73 CLTV 60.000 MATURITY 121007 FEE 0.5000 LOAN 0000021945969 LAST_NAME FOWLER ADDRESS 8059 BANKHEAD HWY CITY DORA STATE AL ZIP 350620000 MORT $28,000.00 BAL $28,000.00 RATE 11.5000 PAI $327.09 CLTV 56.565 MATURITY 121110 FEE 0.5000 LOAN 0000021946132 LAST_NAME DAVENPORT ADDRESS 116 MEADOW LANE CITY DEATSVILLE STATE AL ZIP 360220000 MORT $140,000.00 BAL $140,000.00 RATE 9.7000 PAI $1,197.68 CLTV 80.000 MATURITY 121024 FEE 0.5000 LOAN 0000021946157 LAST_NAME WALSH ADDRESS 109 CLEVELAND AVE CITY BELLEVUE STATE KY ZIP 410730000 MORT $85,500.00 BAL $85,500.00 RATE 11.3000 PAI $833.68 CLTV 90.000 MATURITY 121027 FEE 0.5000 LOAN 0000021946165 LAST_NAME MCDOWELL ADDRESS 3407 LONGWOOD LANE CITY CONWAY STATE SC ZIP 295270000 MORT $64,800.00 BAL $64,800.00 RATE 11.6000 PAI $646.66 CLTV 80.000 MATURITY 121028 FEE 0.5000 LOAN 0000021946173 LAST_NAME JESSER ADDRESS ALBERT RD CITY DANBURY STATE CT ZIP 068110000 MORT $60,000.00 BAL $60,000.00 RATE 8.9900 PAI $482.34 CLTV 58.536 MATURITY 271107 FEE 0.5000 LOAN 0000021946181 LAST_NAME COFRANCESCO ADDRESS 168 FALLS RD CITY BETHANY STATE CT ZIP 065240000 MORT $210,000.00 BAL $210,000.00 RATE 8.2500 PAI $1,577.66 CLTV 75.000 MATURITY 271107 FEE 0.5000 LOAN 0000021946223 LAST_NAME JEWELS ADDRESS 41 S 11TH AVE CITY MOUNT VERNO STATE NY ZIP 105500000 MORT $112,000.00 BAL $112,000.00 RATE 8.2500 PAI $841.42 CLTV 70.000 MATURITY 271121 FEE 0.5000 LOAN 0000021946256 LAST_NAME DUPREE ADDRESS 8007 N. 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PIERCE STATE FL ZIP 349820000 MORT $57,400.00 BAL $56,754.48 RATE 8.6500 PAI $503.59 CLTV 78.630 MATURITY 170402 FEE 0.5000 LOAN 0000021946363 LAST_NAME DANIELS ADDRESS 151602NW 142ND TERRACE CITY ALACHUA STATE FL ZIP 326160000 MORT $40,000.00 BAL $39,856.44 RATE 8.6500 PAI $311.83 CLTV 75.471 MATURITY 270502 FEE 0.5000 LOAN 0000021946371 LAST_NAME HEDRICK ADDRESS 695 S FLORAL AVENUE CITY BARTOW STATE FL ZIP 338300000 MORT $137,600.00 BAL $137,106.24 RATE 8.6500 PAI $1,072.69 CLTV 86.000 MATURITY 270502 FEE 0.5000 LOAN 0000021946389 LAST_NAME JONES ADDRESS 4686 SHIPLEY ROAD CITY COOKEVILLE STATE TN ZIP 385010000 MORT $62,100.00 BAL $62,100.00 RATE 11.5000 PAI $614.97 CLTV 90.000 MATURITY 121101 FEE 0.5000 LOAN 0000021946397 LAST_NAME JACKSON ADDRESS 209 PAR CT CITY GASTON STATE SC ZIP 290530000 MORT $45,900.00 BAL $45,900.00 RATE 11.3500 PAI $484.76 CLTV 90.000 MATURITY 171027 FEE 0.5000 LOAN 0000021946405 LAST_NAME KELLY ADDRESS 3913 TRAIL RD CITY ANDERSON STATE SC ZIP 296210000 MORT $74,700.00 BAL $74,700.00 RATE 11.3500 PAI $865.53 CLTV 90.000 MATURITY 121029 FEE 0.5000 LOAN 0000021946470 LAST_NAME PRATLEY ADDRESS 22 WASHINGTON ST CITY MILFORD STATE CT ZIP 064600000 MORT $116,000.00 BAL $116,000.00 RATE 8.9900 PAI $932.53 CLTV 80.000 MATURITY 271113 FEE 0.5000 LOAN 0000021946496 LAST_NAME HILE ADDRESS 4204 SARATOGA WOODS DR CITY LOUISVILLE STATE KY ZIP 402990000 MORT $175,950.00 BAL $175,881.57 RATE 10.6000 PAI $1,622.65 CLTV 90.000 MATURITY 121020 FEE 0.5000 LOAN 0000021946520 LAST_NAME BELL ADDRESS RT 4 BOX 209 CITY WALTERBORO STATE SC ZIP 294880000 MORT $54,900.00 BAL $54,900.00 RATE 11.3500 PAI $579.81 CLTV 90.000 MATURITY 171113 FEE 0.5000 LOAN 0000021946553 LAST_NAME KNAPPE ADDRESS 18 CLARK ST CITY WOLCOTT STATE CT ZIP 067160000 MORT $121,000.00 BAL $121,000.00 RATE 9.5000 PAI $1,017.43 CLTV 82.876 MATURITY 121110 FEE 0.5000 LOAN 0000021946595 LAST_NAME SILVER ADDRESS ROUTE 9 BOX 520 A CITY JOHNSON CIT STATE TN ZIP 376010000 MORT $76,500.00 BAL $76,453.92 RATE 11.7900 PAI $774.54 CLTV 90.000 MATURITY 120923 FEE 0.5000 LOAN 0000021946660 LAST_NAME WINFIELD ADDRESS 6205 LYCOMING ROAD CITY MONTGOMERY STATE AL ZIP 361170000 MORT $66,300.00 BAL $66,271.84 RATE 10.3500 PAI $599.05 CLTV 85.000 MATURITY 271027 FEE 0.5000 LOAN 0000021946702 LAST_NAME HARDING ADDRESS 515 ARKANSAS STREET CITY LEEDS STATE AL ZIP 350940000 MORT $30,000.00 BAL $30,000.00 RATE 11.6500 PAI $353.32 CLTV 86.956 MATURITY 121104 FEE 0.5000 LOAN 0000021946728 LAST_NAME KELLY ADDRESS 18 SHURTS ROAD CITY WASHINGTON STATE NJ ZIP 088270000 MORT $223,000.00 BAL $223,000.00 RATE 9.8500 PAI $1,932.31 CLTV 84.150 MATURITY 121106 FEE 0.5000 LOAN 0000021946736 LAST_NAME MATHIS ADDRESS 4493 E 93RD PLACE CITY THORNTON STATE CO ZIP 802290000 MORT $96,000.00 BAL $95,883.03 RATE 8.4900 PAI $737.48 CLTV 80.000 MATURITY 270825 FEE 0.5000 LOAN 0000021946751 LAST_NAME LAMBERT ADDRESS 86 WILSON PLACE CITY IRVINGTON T STATE NJ ZIP 071110000 MORT $94,500.00 BAL $94,500.00 RATE 10.7500 PAI $959.39 CLTV 90.000 MATURITY 171114 FEE 0.5000 LOAN 0000021946793 LAST_NAME FITZGERALD ADDRESS 167 FRANCIS DRIVE CITY PORT CHARLO STATE FL ZIP 339520000 MORT $17,500.00 BAL $16,727.44 RATE 8.5000 PAI $216.98 CLTV 11.666 MATURITY 70219 FEE 0.5000 LOAN 0000021946801 LAST_NAME DAVIS ADDRESS 7238 S 65TH DRIVE CITY LAVEEN STATE AZ ZIP 853390000 MORT $104,000.00 BAL $102,561.29 RATE 8.6500 PAI $1,033.29 CLTV 65.408 MATURITY 120616 FEE 0.5000 LOAN 0000021946850 LAST_NAME PICANO ADDRESS 25 WILSON WAY NORTH CITY WEST WINDSO STATE NJ ZIP 085120000 MORT $316,800.00 BAL $316,800.00 RATE 10.7500 PAI $2,957.27 CLTV 90.000 MATURITY 121118 FEE 0.5000 LOAN 0000021946942 LAST_NAME MC LENDON ADDRESS 4373 SOUTH BLACKHAWK WAY CITY AURORA STATE CO ZIP 800150000 MORT $90,400.00 BAL $88,948.27 RATE 8.5000 PAI $1,120.83 CLTV 80.000 MATURITY 70728 FEE 0.5000 LOAN 0000021947080 LAST_NAME BUTLER ADDRESS 8968 AUSTELL COURT CITY JACKSONVILL STATE FL ZIP 322160000 MORT $65,600.00 BAL $64,980.53 RATE 8.7500 PAI $579.71 CLTV 77.176 MATURITY 170523 FEE 0.5000 LOAN 0000021947098 LAST_NAME SAPP ADDRESS 5055 DOSTIE DRIVE CITY JACKSONVILL STATE FL ZIP 322080000 MORT $30,000.00 BAL $28,692.23 RATE 8.5000 PAI $371.96 CLTV 47.619 MATURITY 70305 FEE 0.5000 LOAN 0000021947148 LAST_NAME FOX ADDRESS 2223 DELLWOOD AVENUE CITY JACKSONVILL STATE FL ZIP 322040000 MORT $56,000.00 BAL $55,892.44 RATE 8.5500 PAI $432.58 CLTV 76.190 MATURITY 270820 FEE 0.5000 LOAN 0000021947155 LAST_NAME MARSHALL ADDRESS 15520 2ND STREET EAST CITY REDDINGTON STATE FL ZIP 337080000 MORT $74,400.00 BAL $74,226.88 RATE 8.7500 PAI $585.31 CLTV 80.000 MATURITY 270702 FEE 0.5000 LOAN 0000021947411 LAST_NAME LORD ADDRESS 10460 NW 31ST COURT CITY SUNRISE STATE FL ZIP 333510000 MORT $105,000.00 BAL $104,335.52 RATE 8.6500 PAI $921.21 CLTV 75.539 MATURITY 170618 FEE 0.5000 LOAN 0000021947502 LAST_NAME PATTERSON ADDRESS 910 HARTELL DRIVE CITY COLORADO SP STATE CO ZIP 809110000 MORT $107,000.00 BAL $106,804.16 RATE 8.5000 PAI $822.74 CLTV 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PIKES PEAK AVENUE CITY COLORADO SP STATE CO ZIP 809090000 MORT $46,100.00 BAL $46,100.00 RATE 9.9900 PAI $444.57 CLTV 66.006 MATURITY 171027 FEE 0.5000 LOAN 0000021948914 LAST_NAME BAKLEY ADDRESS 213 STARLING LANE CITY MOUNT HOLLY STATE NJ ZIP 080600000 MORT $63,000.00 BAL $63,000.00 RATE 8.6500 PAI $625.94 CLTV 74.117 MATURITY 121101 FEE 0.5000 LOAN 0000021948922 LAST_NAME MERKEL ADDRESS 16676 HENDERSON ROAD CITY HENDERSON STATE MD ZIP 216400000 MORT $63,000.00 BAL $63,000.00 RATE 10.0400 PAI $678.54 CLTV 90.000 MATURITY 121103 FEE 0.5000 LOAN 0000021948930 LAST_NAME JOHNSON ADDRESS 4 PROSPECT STREET CITY HIGHLAND FA STATE NY ZIP 109280000 MORT $61,300.00 BAL $61,300.00 RATE 9.5000 PAI $515.44 CLTV 68.111 MATURITY 121111 FEE 0.5000 LOAN 0000021948948 LAST_NAME FISHER ADDRESS 355 GREEN ACRES ROAD CITY TONAWANDA STATE NY ZIP 141500000 MORT $72,000.00 BAL $72,000.00 RATE 9.9900 PAI $773.28 CLTV 80.000 MATURITY 121030 FEE 0.5000 LOAN 0000021949029 LAST_NAME BAILEY ADDRESS 4636 PARK HEIGHTS AVENUE CITY BALTIMORE STATE MD ZIP 212150000 MORT $29,900.00 BAL $29,900.00 RATE 9.9900 PAI $394.97 CLTV 65.000 MATURITY 71103 FEE 0.5000 LOAN 0000021949037 LAST_NAME HEWITT ADDRESS 547 NORTH UNION STREET CITY RUSSIAVILLE STATE IN ZIP 469790000 MORT $29,800.00 BAL $29,800.00 RATE 9.9900 PAI $320.05 CLTV 65.712 MATURITY 121110 FEE 0.5000 LOAN 0000021949052 LAST_NAME PALMER ADDRESS 15526 SOUTH MARYLAND AVEN CITY DOLTON STATE IL ZIP 604190000 MORT $23,000.00 BAL $23,000.00 RATE 9.9900 PAI $303.82 CLTV 84.766 MATURITY 71107 FEE 0.5000 LOAN 0000021949060 LAST_NAME PAKULLA ADDRESS 8530 PINERUN COURT CITY ELLICOTT CI STATE MD ZIP 210430000 MORT $98,400.00 BAL $98,400.00 RATE 8.9900 PAI $884.70 CLTV 78.720 MATURITY 171101 FEE 0.5000 LOAN 0000021949078 LAST_NAME KOPP ADDRESS 4025 S WINDING OAKS DRIVE CITY HOMOSASSA STATE FL ZIP 344460000 MORT $46,200.00 BAL $45,744.37 RATE 8.4000 PAI $398.02 CLTV 61.600 MATURITY 170402 FEE 0.5000 LOAN 0000021949086 LAST_NAME SMITH ADDRESS 31 MAPLE LANE CITY MONROE STATE NY ZIP 109500000 MORT $100,900.00 BAL $100,900.00 RATE 8.7500 PAI $891.66 CLTV 72.071 MATURITY 171029 FEE 0.5000 LOAN 0000021949094 LAST_NAME SHAW ADDRESS 128 SECOND STREET CITY OGDEN STATE UT ZIP 844040000 MORT $65,500.00 BAL $65,500.00 RATE 9.5000 PAI $610.55 CLTV 77.976 MATURITY 171101 FEE 0.5000 LOAN 0000021949102 LAST_NAME SHACKELFORD ADDRESS 1958 EAST LEXINGTON DRIVE CITY TERRE HAUTE STATE IN ZIP 478020000 MORT $22,500.00 BAL $22,500.00 RATE 10.9900 PAI $309.81 CLTV 83.898 MATURITY 71029 FEE 0.5000 LOAN 0000021949110 LAST_NAME STIRGUS ADDRESS 15036 GRANT STREET CITY DOLTON STATE IL ZIP 604190000 MORT $76,000.00 BAL $76,000.00 RATE 9.9900 PAI $732.91 CLTV 80.000 MATURITY 171111 FEE 0.5000 LOAN 0000021949128 LAST_NAME BLESSITT ADDRESS 9533 BRIMTON DRIVE CITY ORLANDO STATE FL ZIP 328170000 MORT $72,000.00 BAL $72,000.00 RATE 9.9900 PAI $694.34 CLTV 84.705 MATURITY 171101 FEE 0.5000 LOAN 0000021949144 LAST_NAME IMES ADDRESS 1014 W HARRISON STREET CITY ALGONQUIN STATE IL ZIP 601020000 MORT $70,900.00 BAL $70,900.00 RATE 9.9900 PAI $761.46 CLTV 43.363 MATURITY 121106 FEE 0.5000 LOAN 0000021949151 LAST_NAME BUSSIE ADDRESS 1402 SOUTH HARVARD CITY ARLINGTON H STATE IL ZIP 600050000 MORT $41,700.00 BAL $41,700.00 RATE 10.5000 PAI $416.32 CLTV 73.363 MATURITY 171027 FEE 0.5000 LOAN 0000021949177 LAST_NAME BUTTAFUOCO ADDRESS 29 ESTABROOK ROAD CITY WEYMOUTH STATE MA ZIP 021880000 MORT $17,400.00 BAL $17,400.00 RATE 9.8500 PAI $228.50 CLTV 19.720 MATURITY 71103 FEE 0.5000 LOAN 0000021949185 LAST_NAME PALUMBO ADDRESS 31 JACKSON AVENUE CITY ROCKVILLE C STATE NY ZIP 115700000 MORT $187,000.00 BAL $187,000.00 RATE 8.6500 PAI $1,640.63 CLTV 76.326 MATURITY 171024 FEE 0.5000 LOAN 0000021949243 LAST_NAME SCHUMACHER ADDRESS 18 MANORAGE ROAD CITY MANORVILLE STATE NY ZIP 119490000 MORT $33,500.00 BAL $33,500.00 RATE 11.9900 PAI $401.84 CLTV 84.876 MATURITY 121020 FEE 0.5000 LOAN 0000021949250 LAST_NAME TURNER ADDRESS 13 ARMSTRONG ROAD CITY SUSSEX STATE NJ ZIP 074610000 MORT $19,500.00 BAL $19,500.00 RATE 9.9900 PAI $257.59 CLTV 42.090 MATURITY 71028 FEE 0.5000 LOAN 0000021949268 LAST_NAME WILKERSON ADDRESS 2874 WYATT STREET CITY COLORADO SP STATE CO ZIP 809160000 MORT $92,000.00 BAL $92,000.00 RATE 8.9900 PAI $827.16 CLTV 80.000 MATURITY 171103 FEE 0.5000 LOAN 0000021949276 LAST_NAME MALONE ADDRESS 77 BEVERLY ROAD CITY BUFFALO STATE NY ZIP 142080000 MORT $18,300.00 BAL $18,256.85 RATE 10.2500 PAI $199.47 CLTV 36.600 MATURITY 120926 FEE 0.5000 LOAN 0000021949292 LAST_NAME BARBOZA ADDRESS 6191 SW 33RD STREET CITY MIRAMAR STATE FL ZIP 330230000 MORT $14,250.00 BAL $14,250.00 RATE 10.9900 PAI $196.21 CLTV 84.253 MATURITY 71111 FEE 0.5000 LOAN 0000021949326 LAST_NAME COOPER ADDRESS 9610 SOUTH YALE AVENUE CITY CHICAGO STATE IL ZIP 606280000 MORT $18,000.00 BAL $18,000.00 RATE 11.9900 PAI $215.92 CLTV 22.500 MATURITY 121101 FEE 0.5000 LOAN 0000021949342 LAST_NAME NEWMAN ADDRESS 803 RUST DRIVE NORTH EAST CITY LEESBURG STATE VA ZIP 201760000 MORT $28,000.00 BAL $28,000.00 RATE 10.5000 PAI $309.51 CLTV 78.723 MATURITY 121107 FEE 0.5000 LOAN 0000021949367 LAST_NAME FRED ADDRESS 23A JAMES STREET CITY FARMINGDALE STATE NY ZIP 117350000 MORT $34,600.00 BAL $34,600.00 RATE 9.8500 PAI $368.64 CLTV 49.209 MATURITY 121112 FEE 0.5000 LOAN 0000021949417 LAST_NAME CUCHNA ADDRESS 342 MARGARET TERRACE CITY CARY STATE IL ZIP 600130000 MORT $38,700.00 BAL $38,700.00 RATE 9.6500 PAI $407.63 CLTV 77.887 MATURITY 121101 FEE 0.5000 LOAN 0000021949433 LAST_NAME SINGER ADDRESS 2707 COX NECK ROAD CITY CHESTER STATE MD ZIP 216190000 MORT $104,800.00 BAL $104,800.00 RATE 8.7500 PAI $824.46 CLTV 80.000 MATURITY 121027 FEE 0.5000 LOAN 0000021949441 LAST_NAME DOYLE ADDRESS 518 GREENLAWN AVENUE CITY FORT WAYNE STATE IN ZIP 468080000 MORT $29,950.00 BAL $29,950.00 RATE 10.9900 PAI $340.22 CLTV 78.815 MATURITY 121023 FEE 0.5000 LOAN 0000021949482 LAST_NAME MORRISON ADDRESS 6713 WILLIS LANE CITY FREDERICK STATE MD ZIP 217020000 MORT $21,550.00 BAL $21,550.00 RATE 9.9900 PAI $231.45 CLTV 85.000 MATURITY 121027 FEE 0.5000 LOAN 0000021949599 LAST_NAME HARTMANN ADDRESS 5 FAWN HILL ROAD CITY CORNWALL STATE NY ZIP 125180000 MORT $66,400.00 BAL $66,400.00 RATE 8.9900 PAI $596.99 CLTV 69.894 MATURITY 171101 FEE 0.5000 LOAN 0000021949623 LAST_NAME SEFCIK ADDRESS 7 NEWBURY CIRCLE CITY HOWELL STATE NJ ZIP 077310000 MORT $23,500.00 BAL $23,500.00 RATE 11.5000 PAI $330.40 CLTV 82.914 MATURITY 71106 FEE 0.5000 LOAN 0000021949649 LAST_NAME KNOX ADDRESS 8413 S ABERDEEN CITY CHICAGO STATE IL ZIP 606200000 MORT $59,000.00 BAL $59,000.00 RATE 9.7500 PAI $506.90 CLTV 55.660 MATURITY 121101 FEE 0.5000 LOAN 0000021949664 LAST_NAME PARKER ADDRESS 104 FARNWORTH COURT CITY VIRGINIA BE STATE VA ZIP 234520000 MORT $70,000.00 BAL $70,000.00 RATE 11.6500 PAI $701.23 CLTV 60.344 MATURITY 121101 FEE 0.5000 LOAN 0000021949698 LAST_NAME ANDERSON ADDRESS 106 BALFOUR AVENUE CITY COLORADO SP STATE CO ZIP 809090000 MORT $34,900.00 BAL $34,900.00 RATE 9.9900 PAI $374.82 CLTV 70.871 MATURITY 121106 FEE 0.5000 LOAN 0000021949755 LAST_NAME PARTEE ADDRESS 3340 WEST POLK STREET CITY CHICAGO STATE IL ZIP 606240000 MORT $72,900.00 BAL $72,900.00 RATE 9.9900 PAI $703.02 CLTV 78.387 MATURITY 171118 FEE 0.5000 LOAN 0000021949797 LAST_NAME ALLAN ADDRESS 1529 DIAL COURT CITY SPRINGFIELD STATE IL ZIP 627040000 MORT $37,200.00 BAL $37,200.00 RATE 8.9900 PAI $377.09 CLTV 42.758 MATURITY 121113 FEE 0.5000 LOAN 0000021949847 LAST_NAME GRIFFIN ADDRESS 1015 OLD DIXIE HIGHWAY CITY CALLAHAN STATE FL ZIP 320110000 MORT $25,400.00 BAL $25,400.00 RATE 9.9900 PAI $272.79 CLTV 68.556 MATURITY 121101 FEE 0.5000 LOAN 0000021949870 LAST_NAME MCQUADE ADDRESS 6564 PINEWOOD DRIVE CITY PARKER STATE CO ZIP 801340000 MORT $13,450.00 BAL $13,450.00 RATE 9.7500 PAI $175.89 CLTV 74.244 MATURITY 71110 FEE 0.5000 LOAN 0000021949888 LAST_NAME MCENTEE ADDRESS 17 S GAYLORE DRIVE CITY AMITYVILLE STATE NY ZIP 117010000 MORT $50,000.00 BAL $49,464.99 RATE 8.9900 PAI $506.84 CLTV 82.364 MATURITY 121101 FEE 0.5000 LOAN 0000021949912 LAST_NAME GULINO ADDRESS 656 TRAVIS AVENUE CITY STATEN ISLA STATE NY ZIP 103140000 MORT $27,200.00 BAL $27,200.00 RATE 10.6500 PAI $369.31 CLTV 83.364 MATURITY 71113 FEE 0.5000 LOAN 0000021949938 LAST_NAME GEERY ADDRESS 7437 FORTMAN AVENUE CITY FOUNTAIN STATE CO ZIP 808170000 MORT $27,500.00 BAL $27,500.00 RATE 10.9900 PAI $378.66 CLTV 74.438 MATURITY 71107 FEE 0.5000 LOAN 0000021949979 LAST_NAME WINCHESTER ADDRESS 40 SUTTON PARK ROAD CITY POUGHKEEPSI STATE NY ZIP 126030000 MORT $44,600.00 BAL $44,600.00 RATE 9.9900 PAI $479.00 CLTV 50.676 MATURITY 121028 FEE 0.5000 LOAN 0000021949995 LAST_NAME WILLIAMS ADDRESS 43 SUSSEX STREET CITY PORT JARVIS STATE NY ZIP 127710000 MORT $35,500.00 BAL $35,500.00 RATE 9.9900 PAI $468.94 CLTV 37.368 MATURITY 71101 FEE 0.5000 LOAN 0000021950019 LAST_NAME LEE ADDRESS 1560 MONTREAL ROAD CITY TUCKER STATE GA ZIP 300840000 MORT $14,650.00 BAL $14,650.00 RATE 10.9900 PAI $166.42 CLTV 84.933 MATURITY 121030 FEE 0.5000 LOAN 0000021950068 LAST_NAME ROGERS ADDRESS 183-65 CAMDEN AVE. CITY JAMAICA STATE NY ZIP 114120000 MORT $62,700.00 BAL $62,700.00 RATE 11.9900 PAI $689.94 CLTV 57.128 MATURITY 171105 FEE 0.5000 LOAN 0000021950126 LAST_NAME WHITE ADDRESS 329 E. 21ST STREET CITY BALTIMORE STATE MD ZIP 212180000 MORT $41,600.00 BAL $41,600.00 RATE 10.9900 PAI $472.56 CLTV 84.840 MATURITY 121017 FEE 0.5000 LOAN 0000021950159 LAST_NAME DORFMAN ADDRESS 332628 BROOKSIDE PKWY N D CITY INDIANAPOLI STATE IN ZIP 462180000 MORT $30,000.00 BAL $30,000.00 RATE 8.7500 PAI $299.84 CLTV 50.000 MATURITY 121006 FEE 0.5000 LOAN 0000021950167 LAST_NAME CARTER ADDRESS 5240 FEDERAL ROAD CITY CONESUS STATE NY ZIP 144350000 MORT $63,200.00 BAL $63,200.00 RATE 8.9900 PAI $568.22 CLTV 80.000 MATURITY 171101 FEE 0.5000 LOAN 0000021950183 LAST_NAME SCIORTINO ADDRESS 1918 BUTTERFIELD AVENUE CITY UTICA STATE NY ZIP 135010000 MORT $16,000.00 BAL $16,000.00 RATE 10.7500 PAI $162.44 CLTV 53.333 MATURITY 171030 FEE 0.5000 LOAN 0000021950233 LAST_NAME LOOMIS ADDRESS 556 CASEY ROAD CITY EAST AMHERS STATE NY ZIP 140510000 MORT $55,800.00 BAL $55,800.00 RATE 8.5000 PAI $484.25 CLTV 76.438 MATURITY 171028 FEE 0.5000 LOAN 0000021950258 LAST_NAME MAY ADDRESS 1492 SOUTH LOCUST ST. CITY DENVER STATE CO ZIP 802240000 MORT $15,500.00 BAL $15,500.00 RATE 11.9900 PAI $185.93 CLTV 75.592 MATURITY 121104 FEE 0.5000 LOAN 0000021950290 LAST_NAME SMITH ADDRESS 257 S GOLFWOOD AVENUE CITY CARNEYS POI STATE NJ ZIP 080690000 MORT $60,150.00 BAL $60,150.00 RATE 9.2500 PAI $550.89 CLTV 56.745 MATURITY 171105 FEE 0.5000 LOAN 0000021950365 LAST_NAME CONDRON ADDRESS 488 WEST MEADOW AVENUE CITY RAHWAY STATE NJ ZIP 070650000 MORT $22,050.00 BAL $22,050.00 RATE 10.9900 PAI $303.61 CLTV 70.713 MATURITY 71103 FEE 0.5000 LOAN 0000021950373 LAST_NAME HOLDEN ADDRESS 922 GEORGIA ROAD CITY GOSHEN STATE IN ZIP 465260000 MORT $18,600.00 BAL $18,600.00 RATE 10.7500 PAI $208.50 CLTV 80.199 MATURITY 121029 FEE 0.5000 LOAN 0000021950399 LAST_NAME FIORINO ADDRESS 1901 MANITOU ROAD CITY SPENCERPORT STATE NY ZIP 145590000 MORT $89,600.00 BAL $89,398.30 RATE 10.7500 PAI $1,004.37 CLTV 80.000 MATURITY 120915 FEE 0.5000 LOAN 0000021950571 LAST_NAME WILKINSON ADDRESS 12214 SHERMAN DR CITY CHARLOTTE STATE NC ZIP 282730000 MORT $60,400.00 BAL $60,400.00 RATE 7.8500 PAI $436.90 CLTV 80.000 MATURITY 121103 FEE 0.5000 LOAN 0000021950597 LAST_NAME SCHOENING ADDRESS 1721 RUTGERS CT CITY NAPERVILLE STATE IL ZIP 605650000 MORT $112,000.00 BAL $112,000.00 RATE 8.9900 PAI $900.38 CLTV 80.000 MATURITY 121030 FEE 0.5000 LOAN 0000021950621 LAST_NAME GREEN ADDRESS 2110 NW 28TH TERR CITY FORT LAUDER STATE FL ZIP 333110000 MORT $72,250.00 BAL $72,250.00 RATE 9.9900 PAI $633.52 CLTV 85.000 MATURITY 121110 FEE 0.5000 LOAN TOTALS LAST_NAME ADDRESS CITY STATE ZIP MORT BAL $186,134,461.31 RATE 9.4739 PAI $1,738,733.42 CLTV 76.240 MATURITY FEE EXHIBIT D FORM OF SERVICER'S CERTIFICATE ----------------, ------ (month) (year) GE CAPITAL MORTGAGE SERVICES, INC. Home Equity Loan Pass-Through Certificates, Series 1997-HE4 Pursuant to the Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between GE Capital Mortgage Services, Inc. (the "Company"), and The First National Bank of Chicago (the "Trustee"), governing the Certificates referred to above, the Company hereby certifies to the Trustee: With respect to the Agreement and as of the Determination Date for this month: A. Mortgage Loan Information: (1) Aggregate Monthly Payments Due: (a) Principal $________ (b) Interest $________ (c) Total $________ (2) Aggregate Monthly Payments received and Monthly Advances made this Month: (a) Principal $________ (b) Interest $________ (c) Total $________ (3) Aggregate Principal Prepayments in part received on Self-Amortizing Mortgage Loans and applied in the applicable Prepayment Period: (a) Principal $________ (b) Interest $________ (c) Total $________ (4) Aggregate Principal Prepayments in full received in the applicable Prepayment Period: (a) Principal $________ (b) Interest $________ (c) Total $________ (5) Aggregate Insurance Proceeds (including purchases of Mortgage Loans by primary mortgage insurers) for prior month: (a) Principal $________ (b) Interest $________ (c) Total $________ (6) Aggregate Liquidation Proceeds for prior month: (a) Principal $________ (b) Interest $________ (c) Total $________ (7) Aggregate Purchase Prices for Defaulted Mortgage Loans: (a) Principal $________ (b) Interest $________ (c) Total $________ (8) Aggregate Purchase Prices (and substitution adjustments) for Defective Mortgage Loans: (a) Principal $________ (b) Interest $________ (c) Total $________ (9) Pool Principal Balance: $________ (10) Available Funds: $________ (a) Available Interest Funds $________ (b) Available Principal Funds $________ (11) Realized Losses for prior month: $________ 2 (12) Aggregate Realized Losses: $________ (a) Deficient Valuations $________ (b) Special Hazard Losses $________ (c) Fraud Losses $________ (d) Excess Bankruptcy Losses $________ (e) Excess Special Hazard Losses $________ (f) Excess Fraud Losses $________ (13) Compensating Interest Payment: $________ (14) Net Simple Interest Shortfall: $________ (15) Net Simple Interest Excess: $________ (16) Simple Interest Shortfall Payment: $________ (17) Unpaid Net Simple Interest Shortfall: Class A1 $________ Class A2 $________ Class A3 $________ Class A4 $________ Class A5 $________ Class A6 $________ Class A7 $________ Class S $________ Class M $________ Class B1 $________ Class B2 $________ Class B3 $________ Class B4 $________ Class B5 $________ (18) Class Certificate Interest Rate of: Class M ________% Class B1 ________% 3 Class B2 ________% Class B3 ________% Class B4 ________% Class B5 ________% Class S ________% (19) Accrued Certificate Interest and Pay-out Rate: Class A1 $__________ ____% Class A2 $__________ ____% Class A3 $__________ ____% Class A4 $__________ ____% Class A5 $__________ ____% Class A6 $__________ ____% Class A7 $__________ ____% Class S $__________ ____% Class M $__________ ____% Class B1 $__________ ____% Class B2 $__________ ____% Class B3 $__________ ____% Class B4 $__________ ____% Class B5 $__________ ____% (20) Principal distribu- table: Class A1 $__________ Class A2 $__________ Class A3 $__________ Class A4 $__________ Class A5 $__________ Class A6 $__________ Class A7 $__________ Class M $__________ Class B1 $__________ Class B2 $__________ Class B3 $__________ Class B4 $__________ Class B5 $__________ Class R1 $__________ Class R2 $__________ (21) Additional distributions to the Class R1 Certificate pursuant to Section 2.05(d): $__________ (22) Additional distributions to the Class R2 Certificate pursuant to Section 4.01(c): $__________ 4 B. Other Amounts: 1. Senior Percentage for such Distribution Date: _____________% 2. Senior Prepayment Percentage for such Distribution Date: _____________% 3. Junior Percentage for such Distribution Date: _____________% 4. Junior Prepayment Percentage for such Distribution Date: _____________% 5. Subordinate Certificate Writedown Amount for such Distribution Date: $_____________ 6. Prepayment Distribution Trigger satisfied: Yes No Class B1 Class B2 Class B3 Class B4 Class B5 Capitalized terms used in this Certificate shall have the same meanings as in the Agreement. 5 EXHIBIT E FORM OF TRANSFER CERTIFICATE AS TO ERISA MATTERS FOR DEFINITIVE ERISA-RESTRICTED CERTIFICATES The First National Bank of Chicago One First National Plaza Suite 0126 Chicago, Illinois 60670-0126 [NAME OF OFFICER] ______________________ hereby certifies that: 1. That he [she] is [title of officer] _________________ of [name of Investor] _______________________________________ (the "Investor"), a ________________________ [description of type of entity] duly organized and existing under the laws of the [State of ____________] [United States], on behalf of which he [she] makes this affidavit. 2. The Investor is not, and on ________________ [insert date of transfer of Certificate to Investor] will not be, and on such date will not be investing the funds of, an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA") or a plan subject to Section 4975 of the Code or (ii) is an insurance company investing assets of its general account and the exemptions provided by Section III(a) of Department of Labor Prohibited Transaction Class Exemption 95-60, 60 Fed. Reg. 35925 (July 12, 1995) (the "Exemptions") apply to the Investor's acquisition and holding or any ERISA-Restricted Certificate. 3. The Investor hereby acknowledges that under the terms of the Pooling and Servicing Agreement (the "Agreement") between The First National Bank of Chicago, as Trustee and GE Capital Mortgage Services, Inc., dated as of December 1, 1997, no transfer of any ERISA-Restricted Certificate shall be permitted to be made to any person unless the Trustee has received (i) a certificate from such transferee to the effect that such transferee is not an employee benefit plan subject to ERISA or a plan subject to Section 4975 of the Code (a "Plan") and is not using the assets of any such employee benefit or other plan to acquire any such Certificate or (y) such transferee is an insurance company investing assets of its general account and the Exemptions apply to such transferee's acquisition and holding of any such Certificate or (ii) an opinion of counsel satisfactory to the Trustee to the effect that the purchase and holding of any such Certificate will not constitute or result in the assets of the Trust Fund created by the Agreement being deemed to be "plan assets" and subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code and will not subject the Trustee or the Company to any obligation in addition to those undertaken in the Agreement (provided, however, that the Trustee will not require such certificate or opinion in the event that, as a result of change of law or otherwise, counsel satisfactory to the Trustee has rendered an opinion to the effect that the purchase and holding of any such Certificate by a Plan or a Person that is purchasing or holding any such Certificate with the assets of a Plan will not constitute or result in a prohibited transaction under ERISA or Section 4975 of the Code). [4. The ERISA-Restricted Certificates shall be registered in the name of ______________________________________________ as nominee for the Investor.] IN WITNESS WHEREOF, the Investor has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [title of officer] __________________ and its corporate seal to be hereunder attached, attested by its [Assistant] Secretary, this ____ day of _________, 199_. ---------------------------- [name of Investor] By: Name: Title: The undersigned hereby acknowledges that it is holding and will hold the ERISA-Restricted Certificates at the exclusive direction of and as nominee of the Investor named above. [name of nominee] By:____________________________ Name: Title: 2 EXHIBIT F RESIDUAL CERTIFICATE TRANSFEREE AFFIDAVIT STATE OF ) ) ss.: COUNTY OF ) [NAME OF OFFICER], _________________ being first duly sworn, deposes and says: 1. That he [she] is [title of officer] ___________ _____________ of [name of Purchaser] ________________________ _________________ (the "Purchaser"), a _______________________ [description of type of entity] duly organized and existing under the laws of the [State of __________] [United States], on behalf of which he [she] makes this affidavit. 2. That the Purchaser's Taxpayer Identification Number is [ ]. 3. That the Purchaser is not a "disqualified organization" within the meaning of Section 860E(e)(5) of the Internal Revenue Code of 1986, as amended (the "Code") and will not be a "disqualified organization" as of [date of transfer], and that the Purchaser is not acquiring a Residual Certificate (as defined below) for the account of, or as agent (including a broker, nominee, or other middleman) for, any person or entity from which it has not received an affidavit substantially in the form of this affidavit. For these purposes, a "disqualified organization" means the United States, any state or political subdivision thereof, any foreign government, any international organization, any agency or instrumentality of any of the foregoing (other than an instrumentality if all of its activities are subject to tax and a majority of its board of directors is not selected by such governmental entity), any cooperative organization furnishing electric energy or providing telephone service to persons in rural areas as described in Code Section 1381(a)(2)(C), or any organization (other than a farmers' cooperative described in Code Section 521) that is exempt from federal income tax unless such organization is subject to the tax on unrelated business income imposed by Code Section 511. As used herein, "Residual Certificate" means any Certificate designated as a "Class R1 Certificate" or a "Class R2 Certificate" of GE Capital Mortgage Services, Inc.'s Home Equity Loan Pass-Through Certificates, Series 1997-HE4. 4. That the Purchaser is not, and on __________ [insert date of transfer of Residual Certificate to Purchaser] will not be, and is not and on such date will not be investing the assets of, an employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or a plan subject to Code Section 4975 or a person or entity that is using the assets of any employee benefit plan or other plan to acquire a Residual Certificate. 5. That the Purchaser hereby acknowledges that under the terms of the Pooling and Servicing Agreement (the "Agreement") between The First National Bank of Chicago, as Trustee, and GE Capital Mortgage Services, Inc. dated as of December 1, 1997, no transfer of the Residual Certificates shall be permitted to be made to any person unless the Trustee has received a certificate from such transferee to the effect that such transferee is not an employee benefit plan subject to ERISA or a plan subject to Section 4975 of the Code and is not using the assets of any employee benefit plan or other plan to acquire Residual Certificates. 6. That the Purchaser does not hold REMIC residual securities as nominee to facilitate the clearance and settlement of such securities through electronic book-entry changes in accounts of participating organizations (such entity, a "Book- Entry Nominee"). 7. That the Purchaser does not have the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to such Residual Certificate. 8. That the Purchaser will not transfer a Residual Certificate to any person or entity (i) as to which the Purchaser has actual knowledge that the requirements set forth in paragraph 3, paragraph 6 or paragraph 10 hereof are not satisfied or that the Purchaser has reason to believe does not satisfy the requirements set forth in paragraph 7 hereof, and (ii) without obtaining from the prospective Purchaser an affidavit substantially in this form and providing to the Trustee a written statement substantially in the form of Exhibit G to the Agreement. 9. That the Purchaser understands that, as the holder of a Residual Certificate, the Purchaser may incur tax liabilities in excess of any cash flows generated by the interest and that it intends to pay taxes associated with holding such Residual Certificate as they become due. 2 10. That the Purchaser (i) is not a Non-U.S. Person or (ii) is a Non-U.S. Person that holds a Residual Certificate in connection with the conduct of a trade or business within the United States and has furnished the transferor and the Trustee with an effective Internal Revenue Service Form 4224 or successor form at the time and in the manner required by the Code or (iii) is a Non-U.S. Person that has delivered to both the transferor and the Trustee an opinion of a nationally recognized tax counsel to the effect that the transfer of such Residual Certificate to it is in accordance with the requirements of the Code and the regulations promulgated thereunder and that such transfer of a Residual Certificate will not be disregarded for federal income tax purposes. "Non-U.S. Person" means an individual, corporation, partnership or other person other than 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, or an estate or trust that is subject to U.S. federal income tax regardless of the source of its income. 11. That the Purchaser agrees to such amendments of the Pooling and Servicing Agreement as may be required to further effectuate the restrictions on transfer of any Residual Certificate to such a "disqualified organization," an agent thereof, a Book-Entry Nominee, or a person that does not satisfy the requirements of paragraph 7 and paragraph 10 hereof. 12. That the Purchaser consents to the designation of the Company as its agent to act as "tax matters person" of the Lower Tier REMIC or the Upper Tier REMIC, as applicable, pursuant to the Pooling and Servicing Agreement. 3 IN WITNESS WHEREOF, the Purchaser has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [title of officer] this _____ day of __________, 19__. _________________________________ [name of Purchaser] By:______________________________ Name: Title: Personally appeared before me the above-named [name of officer] ________________, known or proved to me to be the same person who executed the foregoing instrument and to be the [title of officer] _________________ of the Purchaser, and acknowledged to me that he [she] executed the same as his [her] free act and deed and the free act and deed of the Purchaser. Subscribed and sworn before me this _____ day of __________, 19__. NOTARY PUBLIC ______________________________ COUNTY OF_____________________ STATE OF______________________ My commission expires the _____ day of __________, 19__. 4 N EXHIBIT G LETTER FROM TRANSFEROR OF RESIDUAL CERTIFICATE ------------------- Date The First National Bank of Chicago One First National Plaza Suite 0126 Chicago, Illinois 60670-0126 Re: GE Capital Mortgage Services, Inc. Home Equity Loan Pass-Through Certificates, Series 1997-HE4 Ladies and Gentlemen: _______________________ (the "Transferor") has reviewed the attached affidavit of _____________________________ (the "Transferee"), and has no actual knowledge that such affidavit is not true and has no reason to believe that the information contained in paragraph 7 thereof is not true, and has no reason to believe that the Transferee has the intention to impede the assessment or collection of any federal, state or local taxes legally required to be paid with respect to a Residual Certificate. In addition, the Transferor has conducted a reasonable investigation at the time of the transfer and found that the Transferee had historically paid its debts as they came due and found no significant evidence to indicate that the Transferee will not continue to pay its debts as they become due. Very truly yours, 1 _________________________________ Name: Title: 2 EXHIBIT H ADDITIONAL SERVICER COMPENSATION QUALIFIED ADMINISTRATIVE EXPENSES Assumption Fees Determined on a Case-by- Case Basis Late Charges Per Loan Documents Appraisal/Inspection Fees Reasonable and Customary Charges Partial Release Fees $0 Easements $0 Insufficient Funds Charges $0 Document Requests (copies of loan file documents, additional pay-off quotations, amortization schedules, payment histories) $0 Modification Fees $0 Prepayment Premiums Per Loan Documents EXHIBIT I FORM OF INVESTMENT LETTER FOR DEFINITIVE RESTRICTED CERTIFICATES ____________________ Date The First National Bank of Chicago One First National Plaza Suite 0126 Chicago, Illinois 60670-0126 Re: GE Capital Mortgage Services, Inc. Home Equity Loan Pass-Through Certificates, Series 1997-HE4 Ladies and Gentlemen: 1. The undersigned, a [title of officer] _______________ of [name of Investor] _________________________________________ (the "Investor"), a ____________________________ [description of type of entity] duly organized and existing under the laws of the [State of __________________] [United States], hereby certifies as follows: 2. The Investor hereby acknowledges that under the terms of the Pooling and Servicing Agreement between The First National Bank of Chicago, as Trustee, and GE Capital Mortgage Services, Inc. (the "Company"), dated as of December 1, 1997 (the "Agreement"), no transfer of a Restricted Certificate may be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act"), and any applicable state securities laws, or is made in accordance with the Securities Act and such laws. 3. The Investor understands that (a) the Restricted Certificates have not been and will not be registered or qualified under the Securities Act, or the securities laws of any state, (b) neither the Company nor the Trustee is required, and neither intends, to so register or qualify the Restricted Certificates, (c) the Restricted Certificates cannot be resold unless (i) they are registered and qualified under the Securities Act and the applicable state securities laws or (ii) such sale is exempt from the requirements of the Securities Act, (d) the Agreement contains restrictions regarding the transfer of the Restricted Certificates and (e) the Restricted Certificates will bear a legend to the foregoing effect. 4. The Investor is acquiring the Restricted Certificates for its own account for investment only and not with a view to or for sale or other transfer in connection with any distribution of the Restricted Certificates in any manner that would violate the Securities Act or any applicable state securities laws. 5. The investor (a) is 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 Restricted Certificates, such that it is capable of evaluating the merits and risks of investment in the Restricted Certificates, (b) is able to bear the economic risks of such an investment and (c) is an "accredited investor" within the meaning of Rule 501(a)(1), (2), (3) or (7) promulgated pursuant to the Securities Act. 6. The Investor will not authorize nor has it authorized any person to (a) offer, pledge, sell, dispose of or otherwise transfer any Restricted Certificate, any interest in any Restricted Certificate or any other similar security to any person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition or other transfer of any Restricted Certificate, any interest in any Restricted Certificate or any other similar security from any person in any manner, (c) otherwise approach or negotiate with respect to any Restricted Certificate, any interest in any Restricted 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 would constitute a distribution of any Restricted Certificate under the Securities Act, that would render the disposition of any Restricted Certificate a violation of Section 5 of the Securities Act or any state securities law, or that could require registration or qualification pursuant thereto. Neither the Investor nor anyone acting on its behalf has offered the Restricted Certificates for sale or made any general solicitation by means of general advertising or in any other manner with respect to the Restricted Certificates. The Investor will not sell or otherwise transfer any of the Restricted Certificates, except in compliance with the provisions of the Agreement. 2 7. If an Investor in a Restricted Certificate sells or otherwise transfers any such Certificate to a transferee other than a "qualified institutional buyer" under Rule 144A of the Securities Act, such Investor will obtain (a) from any subsequent purchaser the same certifications, representations, warranties and covenants contained in the foregoing paragraphs and in this paragraph or (b) an opinion of counsel in form and substance satisfactory to the Trustee pursuant to the Agreement. 8. The Investor hereby indemnifies the Trustee and the Company against any liability that may result if the Investor's transfer of a Restricted Certificate (or any portion thereof) is not exempt from the registration requirements of the Securities Act and any applicable state securities laws or is not made in accordance with such federal and state laws. Such indemnification of the Trustee and the Company shall survive the termination of the Agreement. [9. The Restricted Certificates shall be registered in the name of _____________________________ as nominee for the Investor.] IN WITNESS WHEREOF, the Investor has caused this instrument to be executed on its behalf, pursuant to authority of its Board of Directors, by its [title of officer] _____________ this _____ day of __________, 19__. _________________________________ [name of Investor] By:______________________________ Name: Title: The undersigned hereby acknowledges that it is holding and will hold the Restricted Certificates at the exclusive direction of and as nominee of the Investor named above. _____________________________ [name of nominee] By:__________________________ Name: Title: 3 EXHIBIT J FORM OF DISTRIBUTION DATE STATEMENT _____________, ______ (month) (year) GE CAPITAL MORTGAGE SERVICES, INC. Home Equity Loan Pass-Through Certificates, Series 1997-HE4 Pursuant to the Pooling and Servicing Agreement dated as of December 1, 1997 (the "Agreement") between GE Capital Mortgage Services, Inc. (the "Company"), and The First National Bank of Chicago (the "Trustee"), governing the Certificates referred to above, the Company hereby certifies to the Trustee: With respect to the Agreement and as of the Determination Date for this month: The amounts below are for a Single Certificate of $1,000: (1) Amount of distribution allocable to principal: Class A1 $__________ Class A2 $__________ Class A3 $__________ Class A4 $__________ Class A5 $__________ Class A6 $__________ Class A7 $__________ Class M $__________ Class B1 $__________ Class B2 $__________ Class B3 $__________ Class B4 $__________ Class B5 $__________ Class R1 $__________ Class R2 $__________ (2) Aggregate principal prepayments included in distribution: Class A1 $__________ Class A2 $__________ Class A3 $__________ Class A4 $__________ Class A5 $__________ Class A6 $__________ Class A7 $__________ Class M $__________ Class B1 $__________ Class B2 $__________ Class B3 $__________ Class B4 $__________ Class B5 $__________ Class R1 $__________ Class R2 $__________ (3) Amount of distribution allocable to interest; Pay-out Rate: Class A1 $__________ ____% Class A2 $__________ ____% Class A3 $__________ ____% Class A4 $__________ ____% Class A5 $__________ ____% Class A6 $__________ ____% Class A7 $__________ ____% Class S $__________ ____% Class M $__________ ____% Class B1 $__________ ____% Class B2 $__________ ____% Class B3 $__________ ____% Class B4 $__________ ____% Class B5 $__________ ____% (4) Servicing Compensation: $__________ The amounts below are for the aggregate of all Certificates: (5) Pool Principal Balance; number of Mortgage Loans: $__________ __________ 2 (6) Class Certificate Principal Balance (or Notional principal Balance) of each Class; Certificate Principal Balance (or Notional Principal Balance) of Single Certificate of each Class: Single Certificate Class Class Balance Balance Class A1 $__________ $__________ Class A2 $__________ $__________ Class A3 $__________ $__________ Class A4 $__________ $__________ Class A5 $__________ $__________ Class A6 $__________ $__________ Class A7 $__________ $__________ Class M $__________ $__________ Class S $__________ $__________ Class B1 $__________ $__________ Class B2 $__________ $__________ Class B3 $__________ $__________ Class B4 $__________ $__________ Class B5 $__________ $__________ Class R1 $__________ $__________ Class R2 $__________ $__________ (7) Book value of real estate acquired on behalf of Certificate- holders; number of related Mortgage Loans: $----------- $---------- ----------- ----------- (8) Aggregate Scheduled Principal Balance and number of delinquent Mortgage Loans: one payment delinquent $___________ ___________ two payments delinquent $___________ ___________ three or more payments delinquent $___________ ___________ In foreclosure $___________ ___________ 3 (9) Aggregate Scheduled Principal Balance and number of replaced Mortgage Loans: $__________ __________ (10) Unpaid Net Simple Interest Shortfall: Class A1 $__________ Class A2 $__________ Class A3 $__________ Class A4 $__________ Class A5 $__________ Class A6 $__________ Class A7 $__________ Class S $__________ Class M $__________ Class B1 $__________ Class B2 $__________ Class B3 $__________ Class B4 $__________ Class B5 $__________ (11) Class Certificate Interest Rate of: Class M ___________% Class B1 ___________% Class B2 ___________% Class B3 ___________% Class B4 ___________% Class B5 ___________% Class S ___________% (12) Senior Percentage for such Distribution Date: __________% (13) Senior Prepayment Percentage for such Distribution Date: __________% (14) Junior Percentage for such Distribution Date: __________% (15) Junior Prepayment Percentage for such Distribution Date: __________% Capitalized terms used in this Statement shall have the same meanings as in the Agreement. 4 EXHIBIT K FORM OF SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT This SPECIAL SERVICING AND COLLATERAL FUND AGREEMENT (the "Agreement") is made and entered into as of ____________________, 199_, between GE Capital Mortgage Services, Inc. (the "Company") and _____________________________ (the "Purchaser"). PRELIMINARY STATEMENT ___________________________ or an affiliate thereof is the holder of the entire interest in REMIC Multi-Class Pass-Through Certificates, Series 1997-HE4, Class __-B_ (the "Class __-B_ Certificates"). The Class __-B_ Certificates were issued pursuant to a Pooling and Servicing Agreement (the "Pooling and Servicing Agreement") dated as of December 1, 1997 between the Company (in its capacity as servicer thereunder, the "Servicer") and The First National Bank of Chicago as Trustee. ____________________________ or an affiliate thereof intends to resell all of the Class __-B_ Certificates directly to the Purchaser on or promptly after the date hereof. In connection with such sale, the parties hereto have agreed that the Company, as Servicer, will engage in certain special servicing procedures relating to foreclosures for the benefit of the Purchaser, and that the Purchaser will deposit funds in a collateral fund to cover any losses attributable to such procedures as well as all advances and costs in connection therewith, as set forth herein. [The parties hereto have further agreed that the Purchaser will have no rights, and the Company will have no obligations under this Agreement until the Class Certificate Principal Balance of the REMIC Multi-Class Pass-Through Certificates, Series 1997-HE4, Class __-B5 (the "Class __-B5 Certificates") has been reduced to zero, and any Special Servicing and Collateral Fund Agreement in respect of such Class between the Company and the Purchaser has been terminated.] In consideration of the mutual agreements herein contained, the receipt and sufficiency of which are hereby acknowledged, the Company and the Purchaser agree that the following provisions shall become effective and shall be binding on and enforceable by the Company and the Purchaser upon the acquisition by the Purchaser of the Class __-B_ Certificates. ARTICLE I DEFINITIONS Section 1.01. Defined Terms. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the following meanings: Business Day: Any day other than (i) a Saturday or a Sunday of (ii) a day on which banking institutions in New York City or Boston, Massachusetts are required or authorized by law or executive order to be closed. Collateral Fund: The fund established and maintained pursuant to Section 3.01 hereof. Collateral Fund Permitted Investments: Either (i) obligations of, or obligations fully guaranteed as to principal and interest by, the United States, or any agency or instrumentality thereof, provided such obligations are backed by the full faith and credit of the United States, (ii) repurchase agreements on obligations specified in clause (i) provided that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in the highest long-term rating category, (iii) federal funds, certificates of deposit, time deposits and banker's acceptances of any U.S. depository institution or trust company incorporated under the laws of the United States or any state provided that the debt obligations of such depository institution or trust company at the date of acquisition thereof have been rated by each Rating Agency in the highest long-term rating category, (iv) commercial paper of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has the highest short term rating of each Rating Agency, and (v) other obligations or securities that are acceptable to each Rating Agency as a Collateral Fund Permitted Investment hereunder and will not, as evidenced in writing, result in a reduction or withdrawal in the then current rating of the Certificates and, for each of the preceding clauses, the maturity thereof shall be not later than the earlier to occur of (A) 30 days from the date of the related investment and (B) the Business Day preceding the next succeeding Distribution Date. Commencement of Foreclosure: The first official action required under local law in order to commence foreclosure 2 proceedings or to schedule a trustee's sale under a deed of trust, including (i) in the case of a mortgage, any filing or service of process necessary to commence an action to foreclose, or (ii) in the case of a deed of trust, the posting, publishing, filing or delivery of a notice of sale, but not including in either case (x) any notice of default, notice of intent to foreclose or sell or any other action prerequisite to the actions specified in (i) or (ii) above and, upon the consent of the Purchaser which will be deemed given unless expressly withheld within two Business Days of notification, (y) the acceptance of a deed-in-lieu of foreclosure (whether in connection with a sale of the related property or otherwise) or (z) initiation and completion of a short pay-off. Current Appraisal: With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, an appraisal of the related Mortgaged Property obtained by the Purchaser as nearly contemporaneously as practicable to the time of the Purchaser's election, prepared based on the Company's customary requirements for such appraisals. Election to Delay Foreclosure: Any election by the Purchaser to delay the Commencement of Foreclosure, made in accordance with Section 2.02(b). Election to Foreclose: Any election by the Purchaser to proceed with the Commencement of Foreclosure, made in accordance with Section 2.03(a). Mortgage Loan: Any Pool __ Mortgage Loan. Required Collateral Fund Balance: As of any date of determination, an amount equal to the aggregate of all amounts previously required to be deposited in the Collateral Fund pursuant to Section 2.02(d) (after adjustments for all withdrawals and deposits prior to such date pursuant to Section 2.02(e)) and Section 2.03(b) (after adjustment for all withdrawals and deposits prior to such date pursuant to Section 2.03(c)) and Section 3.02, reduced by all withdrawals therefrom prior to such date pursuant to Section 2.02(g) and Section 2.03(d). Section 1.02. Definitions Incorporated by Reference. All capitalized terms not otherwise defined in this Agreement shall have the meanings assigned in the Pooling and Servicing Agreement. 3 ARTICLE II SPECIAL SERVICING PROCEDURES Section 2.01. Reports and Notices. (a) In connection with the performance of its duties under the Pooling and Servicing Agreement relating to the realization upon defaulted Mortgage Loans, the Company as Servicer shall provide to the Purchaser the following notices and reports: (i) Within five Business Days after each Distribution Date (or included in or with the monthly statements to Certificateholders pursuant to the Pooling and Servicing Agreement), the Company, as Servicer, shall provide to the Purchaser a report, using the same methodology and calculations in its standard servicing reports, indicating for the Trust Fund the number of Mortgage Loans that are (A) thirty days, (B) sixty days, (C) ninety days or more delinquent or (D) in foreclosure, and indicating for each such Mortgage Loan the loan number and outstanding principal balance. (ii) Prior to the Commencement of Foreclosure in connection with any Mortgage Loan, the Company shall provide the Purchaser with a notice (sent by facsimile transmission) of such proposed and imminent foreclosure, stating the loan number and the aggregate amount owing under the Mortgage Loan. Such notice may be provided to the Purchaser in the form of a copy of a referral letter from the Company to an attorney requesting the institution of foreclosure or a copy of a request to foreclose received by the Company from the related primary servicer which has been approved by the Company. (b) If requested by the Purchaser, the Company shall make its servicing personnel available (during their normal business hours) to respond to reasonable inquiries, in writing by facsimile transmission, by the Purchaser in connection with any Mortgage Loan identified in a report under subsection (a)(i) or (a)(ii) which has been given to the Purchaser, provided, that (1) the Company shall only be required to provide information that is readily accessible to its servicing personnel and is non- confidential and (2) the Company shall respond within five Business Days orally or in writing by facsimile transmission. (c) In addition to the foregoing, the Company shall provide to the Purchaser such information as the Purchaser may reasonably 4 request concerning each Mortgage Loan that is at least sixty days delinquent and each Mortgage Loan which has become real estate owned, through the final liquidation thereof, provided, that the Company shall only be required to provide information that is readily accessible to its servicing personnel and is non- confidential. Section 2.02. Purchaser's Election to Delay Foreclosure Proceedings. (a) The Purchaser shall be deemed to direct the Company that in the event that the Company does not receive written notice of the Purchaser's election pursuant to subsection (b) below within 24 hours (exclusive of any intervening non-Business Days) of transmission of the notice provided by the Company under Section 2.01(a)(ii) subject to extension as set forth in Section 2.02(b), the Company may proceed with the Commencement of Foreclosure in respect of such Mortgage Loan in accordance with its normal foreclosure policies without further notice to the Purchaser. Any foreclosure that has been initiated may be discontinued (i) without notice to the Purchaser if the Mortgage Loan has been brought current or if a refinancing or prepayment occurs with respect to the Mortgage Loan (including by means of a short payoff approved by the Company) or (ii) with notice to the Purchaser if the Company has reached the terms of a forbearance agreement with the borrower. In such latter case the Company may complete such forbearance agreement unless instructed otherwise by the Purchaser within two Business Days of notification. (b) In connection with any Mortgage Loan with respect to which a notice under Section 2.01(a)(ii) has been given to the Purchaser, the Purchaser may elect to instruct the Company to delay the Commencement of Foreclosure until such time as the Purchaser determines that the Company may proceed with the Commencement of Foreclosure. Such election must be evidenced by written notice received within 24 hours (exclusive of any intervening non-Business Days) of transmission of the notice provided by the Company under Section 2.01(a)(ii). The Purchaser shall send a copy of such notice of election to each Rating Agency as soon as practicable thereafter. Such 24-hour period shall be extended for no longer than an additional four Business Days after the receipt of the information if the Purchaser requests additional information related to such foreclosure within such 24-hour period; provided, however, that the Purchaser will have at least one Business Day to make such election following its receipt of any requested additional information. Any such additional information shall (i) not be confidential in nature and (ii) be obtainable by the Company from existing 5 reports, certificates or statements or otherwise be readily accessible to its servicing personnel. The Purchaser agrees that it has no right to deal with the mortgagor. However, if the Company's normal foreclosure policies include acceptance of a deed-in-lieu of foreclosure or short payoff, the Purchaser will be notified and given two Business Days to respond. (c) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Purchaser shall obtain a Current Appraisal as soon as practicable, and shall provide the Company with a copy of such Current Appraisal. (d) Within two Business Days of making any Election to Delay Foreclosure, the Purchaser shall remit by wire transfer to the Trustee, for deposit in the Collateral Fund, an amount, as calculated by the Company, equal to the sum of (i) 125% of the greater of the Scheduled Principal Balance of the Mortgage Loan and the value shown in the Current Appraisal referred to in subsection (c) above (or, if such Current Appraisal has not yet been obtained, the Company's estimate thereof, in which case the required deposit under this subsection shall be adjusted upon obtaining such Current Appraisal), and (ii) three months' interest on the Mortgage Loan at the applicable Mortgage Rate. If any Election to Delay Foreclosure extends for a period in excess of three months (such excess period being referred to herein as the "Excess Period"), the Purchaser shall remit by wire transfer in advance to the Trustee for deposit in the Collateral Fund the amount of each additional month's interest, as calculated by the Company, equal to interest on the Mortgage Loan as the applicable Mortgage Rate for the Excess Period. The terms of this Agreement will no longer apply to the servicing of any Mortgage Loan upon the failure of the Purchaser to deposit the above amounts relating to the Mortgage Loan within two Business Days of (i) the Election to Delay Foreclosure or (ii) the beginning of the related Excess Period, as the case may be. (e) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Company or the Trustee may withdraw from the Collateral Fund from time to time amounts necessary to reimburse the Company for all related Monthly Advances and Liquidation Expenses thereafter made by the Company as Servicer in accordance with the Pooling and Servicing Agreement. To the extent that the amount of any such Liquidation Expense is determined by the Company based on estimated costs, and the actual costs are subsequently determined to be higher, the Company or the Trustee may withdraw the additional amount from the Collateral Fund to reimburse the Company. In the event 6 that the Mortgage Loan is brought current by the mortgagor, the amounts so withdrawn from the Collateral Fund shall be redeposited therein as and to the extent that reimbursement therefor from amounts paid by the mortgagor is not prohibited pursuant to the Pooling and Servicing Agreement as of the date hereof. Except as provided in the preceding sentence, amounts withdrawn from the Collateral Fund to cover Monthly Advances and Liquidation Expenses shall not be redeposited therein or otherwise reimbursed to the Purchaser. If and when any such Mortgage Loan is brought current by the mortgagor, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all previous withdrawals and deposits pursuant to this subsection and after reimbursement to the Servicer for all related Monthly Advances) shall be released to the Purchaser. (f) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Delay Foreclosure, the Company shall continue to service the Mortgage Loan in accordance with its customary procedures (other than the delay in Commencement of Foreclosure as provided herein). If and when, following such election, the Purchaser shall notify the Company that it believes that it is appropriate to do so, the Company shall proceed with the Commencement of Foreclosure; provided that, in any event, if the Mortgage Loan is not brought current by the mortgagor by the time the loan becomes 6 months delinquent, the Purchaser's election shall no longer be effective, unless the Purchaser shall have purchased the related Mortgage Loan promptly following (and in any event not later than the third Business Day after) the end of such 6-month period in the manner provided in the following two sentences, and the Company shall be entitled to proceed with the Commencement of Foreclosure. Any purchase of such Mortgage Loan by the Purchaser pursuant to the preceding sentence shall be at a purchase price equal to the unpaid principal balance of the Mortgage Loan plus accrued interest at the Mortgage Rate from the date last paid by the mortgagor. Such purchase price shall be deposited by the Purchaser into the Collateral Fund in immediately available funds on the Business Day which is the date of purchase and the Purchaser shall instruct the Trustee (with notice to the Company) to withdraw such amount therefrom on such Business Day and remit the same to the Trust Fund for application as Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. Following such withdrawal, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all previous withdrawals and deposits pursuant to this Agreement and after reimbursement to the Servicer for all related Monthly Advances) shall be released to the Purchaser. 7 (g) Upon the occurrence of a liquidation with respect to any Mortgage Loan as to which the Purchaser made an Election to Delay Foreclosure and as to which the Company proceeded with the Commencement of Foreclosure in accordance with subsection (f) above, the Company shall calculate the amount, if any, by which the value shown on the Current Appraisal obtained under subsection (c) exceeds the actual sales price obtained for the related Mortgaged Property (net of Liquidation Expenses and unreimbursed Monthly Advances related to the extended foreclosure period), and the Company or the Trustee shall withdraw the amount of such excess from the Collateral Fund and shall remit the same to the Trust Fund for application as additional Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. After making such withdrawal, all amounts remaining in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all withdrawals and deposits pursuant to subsection (e) and after reimbursement to the Servicer for all related Monthly Advances) shall be released to the Purchaser. Section 2.03. Purchaser's Election to Commence Foreclosure Proceedings. (a) In connection with any Mortgage Loan identified in a report under Section 2.01(a)(i)(B), the Purchaser may elect to instruct the Company to proceed with the Commencement of Foreclosure as soon as practicable. Such election must be evidenced by written notice received by the Company by 5:00 p.m., New York City time, on the third Business Day following the delivery of such report under Section 2.01(a)(i). (b) Within two Business Days of making any Election to Foreclose, the Purchaser shall remit to the Trustee, for deposit in the Collateral Fund, an amount, as calculated by the Company, equal to 125% of the current Scheduled Principal Balance of the Mortgage Loan and three months' interest on the Mortgage Loan at the applicable Mortgage Rate. If and when any such Mortgage Loan is brought current by the mortgagor, all amounts in the Collateral Fund in respect of such Mortgage Loan (after adjustment for all withdrawals and deposits pursuant to subsection (c) below) shall be released to the Purchaser. The terms of this Agreement will no longer apply to the servicing of any Mortgage Loan upon the failure of the Purchaser to deposit the above amounts relating to the Mortgage Loan within two Business Days of the Election to Foreclose. (c) With respect to any Mortgage Loan as to which the Purchaser has made an Election to Foreclose, the Company shall continue to service the Mortgage Loan in accordance with its 8 customary procedures. In connection therewith, the Company shall have the same rights to make withdrawals for Monthly Advances and Liquidation Expenses from the Collateral Fund as are provided under Section 2.02(e), and the Company shall make reimbursements thereto to the limited extent provided under such subsection. The Company shall not be required to proceed with the Commencement of Foreclosure if (i) the same is stayed as a result of the mortgagor's bankruptcy or is otherwise barred by applicable law, or to the extent that all legal conditions precedent thereto have not yet been complied with, or (ii) the Company believes there is a breach of representations or warranties by the Company, which may result in a repurchase or substitution of such Mortgage Loan, or (iii) the Company has or expects to have the right under the Pooling and Servicing Agreement to purchase the defaulted Mortgage Loan and intends to exercise such right or (iv) the Company reasonably believes the Mortgaged Property may be contaminated with or affected by hazardous wastes or hazardous substances (and the Company supplies the Purchaser with information supporting such belief) or (v) the same is prohibited by or is otherwise inconsistent with the provisions of the Pooling and Servicing Agreement. Any foreclosure that has been initiated may be discontinued (i) without notice to the Purchaser if the Mortgage Loan has been brought current or if a refinancing or prepayment occurs with respect to the Mortgage Loan (including by means of a short payoff approved by the Purchaser) or (ii) with notice to the Purchaser if the Company has reached the terms of a forbearance agreement unless instructed otherwise by the Purchaser within two Business Days of notification. (d) Upon the occurrence of a liquidation with respect to any Mortgage Loan as to which the Purchaser made an Election to Foreclose and as to which the Company proceeded with the Commencement of Foreclosure in accordance with subsection (c) above, the Company shall calculate the amount, if any, by which the Scheduled Principal Balance of the Mortgage Loan at the time of liquidation (plus all unreimbursed Monthly Advances and Liquidation Expenses in connection therewith other than those previously paid from the Collateral Fund) exceeds the actual sales price obtained for the related Mortgaged Property, and the Company or the Trustee shall withdraw the amount of such excess from the Collateral Fund and shall remit the same to the Trust Fund for application as additional Liquidation Proceeds pursuant to the Pooling and Servicing Agreement. After making such withdrawal, all amounts remaining in the Collateral Fund (after adjustment for all withdrawals and deposits pursuant to subsection (c) above and after reimbursement to the Servicer for 9 all related Monthly Advances) in respect of such Mortgage Loan shall be released to the Purchaser. Section 2.04. Termination. (a) With respect to all Mortgage Loans included in the Trust Fund, the Purchaser's right to make any Election to Delay Foreclosure or any Election to Foreclose and the Company's obligations under Section 2.01 shall terminate on the earliest to occur of the following: (i) at such time as the Class Certificate Principal Balance of the Class __-B_ Certificates has been reduced to zero, (ii) if the greater of (x) 43% (or such lower or higher percentage that represents the Company's actual loss experience with respect to the Mortgage Loans in the related Mortgage Pool) of the aggregate principal balance of all Mortgage Loans that are in foreclosure or are more than 90 days delinquent on a contractual basis and the aggregate book value of REO properties or (y) the aggregate amount that the Company estimates through its normal servicing practices will be required to be withdrawn from the Collateral Fund with respect to Mortgage Loans as to which the Purchaser has made an Election to Delay Foreclosure or an Election to Foreclose exceeds (z) the then-current Class Certificate Principal Balance of the Class __-B_ Certificates, or (iii) upon any transfer by the Purchaser of any interest (other than the minority interest therein, but only if the transferee provides written acknowledgment to the Company of the Purchaser's right hereunder and that such transferee will have no rights hereunder) in the Class __-B_ Certificates [or in the Class __-B5 Certificates] (whether or not such transfer is registered under the Pooling and Servicing Agreement), including any such transfer in connection with a termination of the Trust Fund. Unless earlier terminated as set forth herein, this Agreement and the respective rights, obligations and responsibilities of the Purchaser and the Company hereunder shall terminate immediately upon (x) the later to occur of (i) the final liquidation of the last Mortgage Loan as to which the Purchaser made any Election to Delay Foreclosure or any Election to Foreclose and the withdrawal of all remaining amounts in the Collateral Fund as provided herein and (ii) ten (10) Business Days' notice or (y) the occurrence of any event that results in the Purchaser becoming an "affiliate" of the Trustee within the meaning of the Prohibited Transaction Exemption (as defined in the Pooling and Servicing Agreement). (b) The Purchaser's rights pursuant to Section 2.02 or 2.03 of this Agreement shall terminate with respect to a Mortgage Loan as to which the Purchaser has exercised its rights under Section 2.02 or 2.03 hereof, upon Purchaser's failure to deposit any 10 amounts required pursuant to Section 2.02(d) or 2.03(b) after one Business Day's notice of such failure. Section 2.05. Notification. The Purchaser shall promptly notify the Trustee and the Company if such Purchaser becomes aware of any discussions, plans or events that might lead to such Person's becoming an "affiliate" (within the meaning of the Prohibited Transaction Exemption) of the Trustee, provided that the contents of any such notification shall be kept confidential by the parties to this Agreement. ARTICLE III COLLATERAL FUND; SECURITY INTEREST Section 3.01. Collateral Fund. Upon payment by the Purchaser of the initial amount required to be deposited in the Collateral Fund pursuant to Article II, the Company shall request the Trustee to establish and maintain with the Trustee a segregated account entitled "REMIC Multi-Class Pass-Through Certificates 1997-HE4 Pool __ Collateral Fund, for the benefit of GE Capital Mortgage Services, Inc. and State Street Bank and Trust Company on behalf of Pool __ Certificateholders, as secured parties" (the "Collateral Fund"). Amounts held in the Collateral Fund shall continue to be the property of the Purchaser, subject to the first priority security interest granted hereunder for the benefit of such secured parties, until withdrawn from the Collateral Fund pursuant to the Section 2.02 or 2.03 hereof. Upon the termination of this Agreement and the liquidation of all Mortgage Loans as to which the Purchaser has made any Election to Delay Foreclosure or any Election to Foreclose pursuant to Section 2.04 hereof, the Company shall distribute to the Purchaser all amounts remaining in the Collateral Fund together with any investment earnings thereon (after giving effect to all withdrawals therefrom permitted under this Agreement). The Purchaser shall not take or direct the Company or the Trustee to take any action contrary to any provision of the Pooling and Servicing Agreement. In no event shall the Purchaser (i) take or cause the Trustee or the Company to take any action that could cause any REMIC established under the Pooling and Servicing Agreement to fail to qualify as a REMIC or cause the imposition on any such REMIC of any "prohibited transaction" or "prohibited contribution" taxes or (ii) cause the Trustee or the Company to fail to take any action necessary to maintain the status of any such REMIC as a REMIC. 11 Section 3.02. Collateral Fund Permitted Investments. The Company shall, at the written direction of the Purchaser, direct the Trustee to invest the funds in the Collateral Fund in the name of the Trustee in Collateral Fund Permitted Investments. Such direction shall not be changed more frequently then quarterly. In the absence of any direction, the Company shall direct the Trustee select such investments in accordance with the definition of Collateral Fund Permitted Investments in its discretion. All income and gain realized from any investment as well as any interest earned on deposits in the Collateral Fund (net of any losses on such investments) and any payments of principal made in respect of any Collateral Fund Permitted Investment shall be deposited in the Collateral Fund upon receipt. All costs and realized losses associated with the purchase and sale of Collateral Fund Permitted Investments shall be borne by the Purchaser and the amount of net realized losses shall be promptly deposited by the Purchaser in the Collateral Fund. The Company shall periodically (but not more frequently than monthly) direct the Trustee to distribute to the Purchaser upon request an amount of cash, to the extent cash is available therefor in the Collateral Fund, equal to the amount by which the balance of the Collateral Fund, after giving effect to all other distributions to be made from the Collateral Fund on such date, exceeds the Required Collateral Fund Balance. Any amounts so distributed shall be released from the lien and security interest of this Agreement. Section 3.03. Grant of Security Interest. In order to secure the obligations of the Purchaser hereunder to the Company and the Trustee for the benefit of Certificateholders (other than its obligations under Section 4.10), the Purchaser hereby grants to the Company and to the Trustee for the benefit of the Pool __ Certificateholders a security interest in and lien on all of the Purchaser's right, title and interest, whether now owned or hereafter acquired, in and to: (1) the Collateral Fund, (2) all amounts deposited in the Collateral Fund and Collateral Fund Permitted Investments in which such amounts are invested (and the distributions and proceeds of such investments) and (3) all cash and non-cash proceeds of any of the foregoing, including proceeds of the voluntary or involuntary conversion thereof (all of the foregoing collectively, the "Collateral"). The Purchaser acknowledges the lien on and security interest in the Collateral for the benefit of the Company and the Trustee on behalf of the Pool __ Certificateholders. The Purchaser shall take all actions requested by the Company or the Trustee as may 12 be reasonably necessary to perfect the security interest created under this Agreement in the Collateral and cause it to be prior to all other security interests and liens, including the execution and delivery to the Company or at its direction the Trustee for filing of appropriate financing statements in accordance with applicable law. Section 3.04. Collateral Shortfalls. In the event that amounts on deposit in the Collateral Fund at any time are insufficient to cover any withdrawals therefrom that the Company or the Trustee is then entitled to make hereunder, the Purchaser shall be obligated to pay such amounts to the Company or the Trustee immediately upon demand. Such obligation shall constitute a general corporate obligation of the Purchaser. The failure to pay such amounts within two Business Days of such demand (except for amounts to cover interest on a Mortgage Loan pursuant to Sections 2.02(d) and 2.03(b)), shall cause an immediate termination of the Purchaser's right to make any Election to Delay Foreclosure or Election to Foreclose and the Company's obligations under this Agreement with respect to all Mortgage Loans to which such insufficiencies relate, without the necessity of any further notice or demand on the part of the Company. ARTICLE IV MISCELLANEOUS PROVISIONS Section 4.01. Amendment. This Agreement may be amended from time to time by the Company and the Purchaser by written agreement signed by the Company and the Purchaser provided that no such amendment shall have a material adverse effect on the holders of other Classes of Certificates. Section 4.02. Counterparts. This Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. Section 4.03. Governing Law. This Agreement shall be construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws. Section 4.04. Notices. All demands, notices and direction hereunder shall be in writing or by telecopy and shall be deemed effective upon receipt to: 13 (a) in the case of the Company, with respect to notices pursuant to Sections 2.02 and 2.03 hereto, GE Capital Mortgage Services, Inc. 2000 West Loop South Suite 1917 Houston, Texas 77027 Attention: Mark Pendergrass Telephone: (713) 964-4207 Facsimile: (713) 964-4100 with respect to all other notices pursuant to this Agreement, GE Capital Mortgage Services, Inc. Three Executive Campus Cherry Hill, New Jersey 08002 Attention: General Counsel Telephone: (609) 661-6515 Facsimile: (609) 661-6875 or such other address as may hereafter be furnished in writing by the Company, or (b) in the case of the Purchaser, with respect to notices pursuant to Section 2.01, -------------------------------- -------------------------------- -------------------------------- Attention:______________________ Telephone:______________________ Facsimile:______________________ with respect to all other notices pursuant to this Agreement, -------------------------------- -------------------------------- -------------------------------- Attention:______________________ Telephone:______________________ Facsimile:______________________ or such other address as may hereafter be furnished in writing by the Purchaser, or (c) in the case of the Trustee, 14 The First National Bank of Chicago One First National Plaza, Suite 0126 Chicago, Illinois 60670-0126 Attention: Corporate Trust Services Telephone: (312) 407-1964 Facsimile: (312) 407-1708 Section 4.05. Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever, including regulatory, held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement. Section 4.06. Successor and Assigns. The provisions of this Agreement shall be binding upon and inure to the benefit of the parties hereto and the respective successors and assigns of the parties hereto; provided, however, that the rights under this Agreement cannot be assigned by the Purchaser without the consent of the Company. Section 4.07. Article and Section Headings. The article and section headings herein are for convenience of reference only and shall not limit or otherwise affect the meaning hereof. Section 4.08. Third Party Beneficiaries. The Trustee on behalf of Certificateholders is the intended third party beneficiary of this Agreement. Section 4.09. Confidentiality. The Purchaser agrees that all information supplied by or on behalf of the Company pursuant to Section 2.01 or 2.02, including individual account information, is the property of the Company and the Purchaser agrees to use such information solely for the purposes set forth in this Agreement and to hold such information confidential and not to disclose such information. Section 4.10. Indemnification. The Purchaser agrees to indemnify and hold harmless the Company against any and all losses, claims, damages or liabilities to which it may be subject, insofar as such losses, claims, damages or liabilities (or actions in respect thereof) arise out of or are based upon actions taken by the Company in accordance with the provisions of this Agreement and which actions conflict or are alleged to conflict with the Company's obligations under the Pooling and Servicing Agreement. The Purchaser hereby agrees to reimburse 15 the Company on demand for the reasonable legal or other expenses incurred by it in connection with investigating or defending any such loss, claim, damage, liability or action. [Section 4.11. Delayed Effectiveness. The Purchaser agrees that, notwithstanding any other provision of this Agreement, the Purchaser shall have no rights hereunder, and the Company shall have no obligations hereunder, until the Class Certificate Principal Balance of the Class __-B5 Certificates has been reduced to zero and any Special Servicing and Collateral Fund Agreement between the Company and the Purchaser relating to such Class B5 Certificates has been terminated.] 16 IN WITNESS WHEREOF, the Company and the Purchaser have caused their names to be signed hereto by their respective officers thereunto duly authorized, all as of the day and year first above written. GE CAPITAL MORTGAGE SERVICES, INC. By:_______________________________ Name: Title: [PURCHASER] By:_______________________________ Name: Title: Acknowledged and agreed to: THE FIRST NATIONAL BANK OF CHICAGO By:_____________________________ Name: Title: 17 EXHIBIT L FORM OF LOST NOTE AFFIDAVIT AND AGREEMENT I, _________________________________________, being duly sworn, do hereby state under oath that: 1. I am a duly elected ______________________ of GE Capital Mortgage Services, Inc. (the "Company") and am duly authorized to make this affidavit. 2. This affidavit is being delivered in connection with the transfer of the Mortgage Loan described in Paragraph 3 hereof by the Company pursuant to the Pooling and Servicing Agreement dated as of [date] between the Company, Seller and Servicer, and The First National Bank of Chicago, Trustee, relating to the Company's Home Equity Loan Pass-Through Certificates, Series [____] ("Agreement"). Such Mortgage Loan constitutes a Designated Loan. 3. The Company is the payee under the following described Mortgage Note ("Mortgage Note") which evidences the obligation of the borrower(s) to repay the Mortgage Loan: Loan Number: __________________________________ Mortgage Note Date:_____________________________ Borrower(s): ___________________________________ Original Payee (if not the Company): ___________ Original Amount:________________________________ Mortgage Rate: _________________________________ Address of Mortgaged Property: _________________ ------------------------------------------------ 4. The Company is the lawful owner of the Mortgage Note and has not cancelled, altered, assigned or hypothecated the Mortgage Note. 5. A thorough and diligent search for the executed original Mortgage Note was undertaken and was unsuccessful. 6. Attached hereto is a true and correct copy of the Mortgage Note. 7. The Mortgage Note has not been endorsed by the Company in any manner inconsistent with its transfer of the Mortgage Loan under the Agreement. 8. Without limiting the generality of the rights and remedies of the Trustee contained in the Agreement, the Company hereby confirms and agrees that in the event the inability to produce the executed original Mortgage Note results in a breach of the representations and warranties appearing in Agreement subsections 2.03(a)(ii) (the validity and enforceability of the lien created by the Mortgage Loan) or 2.03(a) (x) (no valid offset, defense or counterclaim to any Mortgage Note or Mortgage), the Company shall repurchase the Mortgage Loan at the Purchase Price and otherwise in accordance with Section 2.03(b) of the Agreement. In addition, the Company covenants and agrees to indemnify the Trustee and the Trust Fund from and hold them harmless against any and all losses, liabilities, damages, claims or expenses (other than those resulting from negligence or bad faith of the Trustee) arising from the Company's failure to have delivered the Mortgage Note to the Trustee, including without limitation any such losses, liabilities, damages, claims or expenses arising from any action to enforce the indebtedness evidenced by the Mortgage Note or any claim by any third party who is the holder of such indebtedness by virtue of possession of the Mortgage Note. 9. In the event that the Company locates the executed original Mortgage Note, it shall promptly provide the Mortgage Note to the Trustee. 10. Capitalized terms not otherwise defined herein shall have the meanings given them in the Agreement. Date: _______________________ ______________________________ (signature) ______________________________ (print name) ______________________________ (print title) 2 State of New Jersey ) ) ss: ) On this ____________________day of ___________________, 199__, before me appeared ____________________________, to me personally known, who acknowledged the execution of the foregoing and who, having been duly sworn states that he/she is a/the ______________________________of GE Capital Mortgage Services, Inc., that any representations therein contained are true, that this Lost Note Affidavit was signed and sealed on behalf of GE Capital Mortgage Services, Inc. and that this Lost Note Affidavit is the free act and deed of GE Capital Mortgage Services, Inc. ___________________________________ (Notary Public) [Notarial Seal] 3 EXHIBIT M SCHEDULE OF STREAMLINED PORTFOLIO PROGRAM MORTGAGE LOANS WITHOUT TITLE INSURANCE -----END PRIVACY-ENHANCED MESSAGE-----