EX-99.1 5 efc20-670_ex991s3a.htm SCHEDULE 3(A) - COMPLIANCE DATA REPORT
Compliance Only Extract
Run Date - 8/12/2020 12:06:09 PM

Loan Details Borrower Details Property/Valuation Details Note Details HUD/TRID Details Insurance Details TIL/TRID Details RTC/ROR Details Rate Lock Details Compliance Grades/Stipulations
AMC Loan ID Customer Loan ID Seller Loan ID Origination Channel Purpose Refi Purpose Occupancy Mortgage Type Documentation Type Originator Name Lender Name LTV CLTV Lien Position Interest Collection Type Creditor Application Date DTI Total Income Representative FICO Ownership Type Borrower First Name Borrower Last Name Borrower Suffix Borrower SSN Borrower Citizenship Co Borrower First Name Co Borrower Last Name Coborrower Suffix Co Borrower SSN Co Borrower Citizenship Borrower Address Borrower City Borrower State Borrower Zip Property Type # of Units Address City State County Zip Code Contract Sales Price Year Built Valuation Value Valuation Type Valuation Effective Date Loan Type Loan Amount Rate Payment Frequency Origination Date First Payment Date Maturity Date Term Amortization Term Balloon? Payment Amount Assumable ARM First Interest Rate Change Date ARM Next Interest Rate Change Date ARM First Payment Change Date ARM Next Payment Change Date ARM Reset Frequency (Rate) ARM Reset Frequency (Payment) ARM Index Type ARM Lookback Period ARM Rounding Factor ARM Rounding Method ARM Index ARM Margin ARM Initial Rate Cap ARM Initial Rate Floor ARM Periodic Rate Cap ARM Periodic Rate Floor ARM Life Rate Cap ARM Life Rate Floor ARM Initial Rate Maximum ARM Initial Rate Minimum ARM Life Rate Maximum ARM Life Rate Minimum Interest Only? Interest Only Term Prepayment Penalty Period Prepayment Terms Neg Am? Neg Am Amount Late Charge Type Late Charge Percent Grace Period Days Late Charge Minimum Amount Late Charge Maximum Amount Form Type Disbursement Date Cash at Settlement To/From Borrower Cash at Settlement Total Cash to Borrower Same Lender Refi? Escrow Type Escrow Amount at Closing FEMA Flood Zone Flood Certificate # PMI Payment Plan PMI Company PMI Coverage MI Certificate # Upfront Premium % Upfront Premium Amount Annual Premium % Annual Premium Period APR TIP Finance Charge Amount Financed Signature Date Early TIL Compliant? 3 Day TIL Waiver? 7 Day TIL Waiver? Final TIL Compliant? RTC Form RTC Signature Date RTC Waiver? RTC Disbursement Date Initial Rate Lock Date Last Date Rate Set Undiscounted Interest Rate MERS/MIN Number Cross-Collateralized Subject to High Cost Section 32 Flag TIL/CD Status Finance Charge Status Finance Charge Variance HOEPA Points and Fees HOEPA Fee Threshhold HOEPA Points and Fees Status HOEPA Rate HOEPA Rate Status HOEPA High Cost Loan HOEPA Status State Points and Fees State Fee Threshhold State Points and Fees Status State Rate State Rate Status State High Cost Loan City High Cost Loan County High Cost Loan Texas 3 Percent Test Georgia Covered Loan Fees Captured for Testing Document Used for Fees Date of Document Used for Fees Originator Loan Designation Due Diligence Loan Designation Overall Grade Credit Exceptions Cleared Credit Exceptions Cured Credit Exceptions Waived Credit Exceptions Unable To Clear Credit Exceptions Compliance Exceptions Cleared Compliance Exceptions Cured Compliance Exceptions Waived Compliance Exceptions Unable To Clear Compliance Exceptions Compensating Factors
203392348 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 07/26/2006 42.693%   737 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $385,000.00 Stated   Negative Amortization $308,000.00 7.340% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $1,062.98 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.340% 3.400% 4.610% 3.940% 0.000% 0.000% 4.610% 3.940% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $53.15 HUD 08/25/2006 To Borrower $43,505.56 $69,679.56 Yes Taxes and Insurance $1,314.80 No                   7.371%   $608,267.14 $305,414.82 XX/XX/XXXX   N/A N/A   H-9 08/22/2006 N/A 08/26/2006           Yes No Pass Fail ($23,032.73) $1,175.50 $24,441.90 Pass 8.000% Pass No N/A $1,175.50 $18,331.42 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/21/2006     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Index used was 3.94% but closest Index available in the look back period is 4.34%. ***TIL APR Tolerance Irregular Transaction ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***ARM Disclosure Compliant          
203392350 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 61.000% 61.000% 1 In Arrears 10/10/2006 34.748%   536 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   1975 $182,000.00 1004/70 10/17/2006 Negative Amortization $111,020.00 7.497% Monthly XX/XX/XXXX 01/01/2007 12/01/2036 360 360 No $410.36 Yes 01/01/2007 05/01/2018 01/01/2008 01/01/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.600% 4.453% 4.897% 0.000% 0.000% 4.453% 4.897% 11.950% 2.600% 11.950% 2.600% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $20.52 HUD 11/20/2006 To Borrower $15,201.51 $15,201.51 No No Escrows $0.00 No                   7.808%   $225,269.37 $106,537.80 XX/XX/XXXX   N/A N/A   H-8 11/10/2006 N/A 11/16/2006           Yes No Pass Fail ($5,311.02) $3,987.40 $8,535.24 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/17/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Under disclosure is due to the TIL using an index of 4.897% per the final approval but the lowest index available in the lookback period stated on the note is 4.99667%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392365 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 65.538% 65.538% 1 In Arrears 05/07/2006 33.234%   650 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD Attached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1971 $325,000.00 1004/70 05/23/2006 Negative Amortization $213,000.00 6.810% Monthly XX/XX/XXXX 08/01/2006 07/01/2036 360 360 No $781.98 Yes 08/01/2006 05/01/2018 08/01/2007 08/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.250% 5.140% 3.560% 0.000% 0.000% 5.140% 3.560% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $39.10 HUD 06/13/2006 To Borrower $5,180.42 $5,180.42 No Taxes $589.96 No                   6.926%   $359,637.54 $209,565.86 XX/XX/XXXX   N/A N/A   H-8 06/07/2006 N/A 06/12/2006 05/15/2006 05/15/2006       Yes No Pass Fail ($22,052.83) $2,839.00 $16,752.47 Pass 8.000% Pass No N/A $2,789.00 $12,564.35 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/13/2006     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203392368 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 57.971% 57.971% 1 In Arrears 05/17/2005 37.000%   569 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $345,000.00 2055 (Exterior Only) 06/07/2005 Negative Amortization $200,000.00 5.190% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $734.25 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.610% 2.800% 6.760% 2.390% 0.000% 0.000% 6.760% 2.390% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $36.71 HUD 06/20/2005 To Borrower $100,866.44 $100,866.44 No Taxes $325.05 No                   5.443%   $219,513.69 $193,411.08 XX/XX/XXXX   N/A N/A   H-8 06/13/2005 N/A 06/18/2005 06/10/2005 06/10/2005       Yes No Pass Fail ($13,224.93) $5,380.00 $15,512.72 Pass 8.000% Pass No N/A $5,380.00 $11,634.54 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/01/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203392376 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 75.000% 75.000% 1 In Arrears 03/22/2004     626 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $345,000.00 Stated   Negative Amortization $258,750.00 4.263% Monthly XX/XX/XXXX 06/15/2004 05/15/2034 360 360 No $949.94 Yes 06/11/2004 05/11/2018 06/15/2005 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.098% 3.150% 7.687% 1.113% 0.000% 0.000% 7.687% 1.113% 11.950% 3.150% 11.950% 3.150% No       Yes 125.000% Percent 5.000% 15   $47.50 HUD 04/27/2004 To Borrower $13,750.44 $13,750.44 No No Escrows $0.00 No                   4.394%   $214,035.40 $253,980.82 XX/XX/XXXX   N/A N/A   H-8 04/22/2004 N/A 04/27/2004           Yes No Pass Pass $1,041.53 $4,195.50 $20,320.84 Pass 8.000% Pass No N/A $4,195.50 $15,240.63 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/27/2004     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392391 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.516% 70.516% 1 In Arrears 11/19/2004     619 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX     $155,000.00 2055 (Exterior Only) 11/10/2004 Negative Amortization $109,300.00 5.420% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $401.27 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 2.020% 3.450% 6.530% 1.970% 0.000% 0.000% 6.530% 1.970% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $20.06 HUD 11/30/2004 To Borrower $1,104.64 $1,104.64 No Taxes and Insurance $1,158.03 No                   5.590%   $126,787.83 $106,807.55 XX/XX/XXXX   N/A N/A   H-8 11/24/2004 N/A 11/30/2004           Yes No Pass Fail ($2,207.64) $2,701.00 $8,508.44 Pass 8.000% Pass No N/A $4,887.00 $5,317.77 Pass 6.000% Pass No N/A No N/A N/A Yes Final HUD1 11/24/2004     2           ***Final TIL Finance Charge Under Disclosed: The approval indicates the index used to calcuate the TIL payment streams is 1.97% but the lowest index available in the look back period is 2.02%.          
203392418 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 65.000% 65.000% 1 In Arrears 11/08/2006 23.874%   611 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1962 $190,000.00 1004/70 11/14/2006 Negative Amortization $123,500.00 7.890% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $456.49 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.650% 3.400% 4.060% 4.490% 0.000% 0.000% 4.060% 4.490% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $22.82 HUD 12/07/2006 To Borrower $41,294.90 $41,294.90 No No Escrows $0.00 No                   8.165%   $263,748.83 $119,115.80 XX/XX/XXXX   N/A N/A   H-8 11/29/2006 N/A 12/04/2006 11/22/2006 11/22/2006       Yes No Pass Fail ($3,897.73) $4,147.00 $9,524.74 Pass 8.000% Pass No N/A $4,197.00 $7,143.55 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/26/2006     2           ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate that the lender used an index of 4.49%, The closest index in our look-back period is 4.65%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392422 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   WORLDS SAVINGS BANK, FSB, A FEDERAL SAVINGS BANK 50.000% 50.000% 1 In Arrears 10/13/2006     634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MI XXXXXXX XXXXXXX     $140,000.00 Stated   Negative Amortization $70,000.00 7.497% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $241.59 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.600% 4.453% 4.897% 0.000% 0.000% 4.453% 4.897% 11.950% 2.600% 11.950% 2.600% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $12.08 HUD 10/25/2006 To Borrower $9,082.19 $9,082.19 Yes No Escrows $0.00 No                   7.830%   $142,217.70 $66,906.02 XX/XX/XXXX   N/A N/A   H-9 10/20/2006 N/A 10/25/2006           Yes No Pass Fail ($1,630.03) $3,395.00 $5,192.24 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/20/2006     2 ***Missing Valuation:: Appraisal not provided         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***Michigan Consumer Mortgage Protection Act (Counseling Agencies List) ***Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided ***Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided)          
203392430 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 11/01/2006     617 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   1972 $215,000.00 1004/70 11/24/2006 Negative Amortization $172,000.00 7.447% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $635.75 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.550% 4.503% 4.897% 0.000% 0.000% 4.503% 4.897% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $31.79 HUD 12/06/2006 To Borrower $15,545.95 $15,545.95 No No Escrows $0.00 No                   7.674%   $342,784.80 $167,002.19 XX/XX/XXXX   N/A N/A   H-8 12/01/2006 N/A 12/06/2006           Yes No Pass Fail ($8,336.58) $4,482.00 $13,376.17 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/06/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Per the closing instructions the lender used an index of 4.897%. The closest index in the look-back period is 4.99667%.          
203392444 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 68.817% 68.817% 1 In Arrears 06/24/2004       Fee Simple XXXXXX XXXXXX   XXXXXX                     Townhouse 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1977 $93,000.00 2055 w/ Interior 07/01/2004 Negative Amortization $64,000.00 4.783% Monthly XX/XX/XXXX 09/15/2004 08/15/2034 360 360 No $234.96 Yes 09/15/2004 05/15/2018 09/15/2005 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.118% 3.700% 7.167% 1.083% 0.000% 0.000% 7.167% 1.083% 11.950% 3.700% 11.950% 3.700% No   36 2% Yes 125.000% Percent 5.000% 15   $11.75 HUD 07/19/2004 To Borrower $0.00 $0.00 No Taxes and Insurance $1,632.97 No                   5.002%   $62,466.53 $62,077.47 XX/XX/XXXX   N/A N/A   H-8 07/14/2004 N/A 07/19/2004           Yes No Pass Fail ($591.80) $1,980.41 $4,942.77 Pass 8.000% Pass No N/A $1,981.41 $4,942.77 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 07/14/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 1.083%. The closest Index available in the look-back period is 1.11833%. ***Missing Initial Loan Application Test          
203392472 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, A Federal Savings Bank 70.000% 70.000% 1 In Arrears 05/11/2004     650 Fee Simple XXXXXX XXXXXX   XXXXXX                     Townhouse 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1919 $200,000.00 2055 w/ Interior 05/28/2004 Negative Amortization $140,000.00 5.250% Biweekly XX/XX/XXXX 07/19/2004 07/05/2034 361 361 No $257.03 Yes 08/02/2004 05/02/2018 07/18/2005 07/18/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.850% 3.400% 6.700% 1.850% 0.000% 0.000% 6.700% 1.850% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $12.85 HUD 06/16/2004 To Borrower $131.79 $9,923.38 No Taxes and Insurance $461.47 No                   5.293%   $124,700.82 $138,960.39 XX/XX/XXXX   N/A N/A   H-8 06/11/2004 N/A 06/16/2004           Yes No Pass Fail ($8,164.93) $1,403.00 $11,063.53 Pass 8.000% Pass No N/A $4,133.00 $6,933.35 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/11/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203392492 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 01/01/2006 39.243%   645 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1910 $280,000.00 1004/70 01/20/2006 Negative Amortization $224,000.00 6.540% Biweekly XX/XX/XXXX 03/13/2006 02/28/2036 360 360 No $436.74 Yes 03/27/2006 05/27/2018 03/12/2007 03/12/2019 1 12 GDW-COSI 30 days 0.000 None 3.360% 3.400% 5.410% 3.140% 0.000% 0.000% 5.410% 3.140% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $13.10 HUD 02/06/2006 To Borrower $3,527.37 $3,527.37 N/A Taxes and Insurance $0.00 No                   6.768%   $268,376.26 $217,912.75 XX/XX/XXXX   N/A N/A   H-8 02/01/2006 N/A 02/06/2006           Yes No Pass Fail ($40,684.52) $3,523.15 $17,570.52 Pass 8.000% Pass No N/A $8,003.15 $11,200.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/01/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $268376.26 is underdisclosed from calculated Finance Charge of $280252.93 in the amount of $-11876.67. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.36%. Truth In Lending Act: Final TIL APR of 6.768% is underdisclosed from calculated APR of 6.912% in the amount of -0.144%. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.36%. ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203392499 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB 75.003% 75.003% 1 In Arrears 02/10/2005     701 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX $236,416.00   $245,000.00 Stated   Negative Amortization $177,319.00 5.590% Monthly XX/XX/XXXX 05/01/2005 04/01/2035 360 360 No $611.97 Yes 05/01/2005 05/01/2018 05/01/2006 05/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.280% 3.400% 6.360% 2.190% 0.000% 0.000% 6.360% 2.190% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $30.60 HUD 03/11/2005 From Borrower $61,533.58   N/A Taxes and Insurance $0.00 No                   5.690%   $221,214.38 $174,512.48 XX/XX/XXXX   N/A N/A       N/A 03/16/2005 03/02/2005 03/02/2005       No N/A Pass Fail ($4,044.50) $486.00 $14,102.37 N/A 8.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/10/2005     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392501 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 50.633% 50.633% 1 In Arrears 10/23/2005 39.019%   719 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1961 $316,000.00 2055 w/ Interior 11/15/2005 Negative Amortization $160,000.00 6.370% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $571.59 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $28.58 HUD 11/30/2005 To Borrower $105,878.84 $117,785.78 No Taxes and Insurance $90.15 No                   6.460%   $243,576.88 $157,753.36 XX/XX/XXXX   N/A N/A   H-8 11/23/2005 N/A 11/29/2005 11/17/2005 11/17/2005       Yes No Pass Fail ($11,060.90) $1,567.00 $12,638.90 Pass 8.000% Pass No N/A $4,767.00 $9,479.17 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/30/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Per closing instructions the lender used an index of 2.97%. The closest index in our look-back period is 3.14%.          
203392516 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 81.973% 81.973% 1 In Arrears 02/28/2006     679 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   2005 $365,000.00 1004/70 03/14/2006 Negative Amortization $299,200.00 6.760% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,197.82 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.400% 5.190% 3.360% 0.000% 0.000% 5.190% 3.360% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.89 HUD 03/31/2006 To Borrower $628.13 $628.13 Yes No Escrows $0.00 No                   6.792%   $470,641.90 $297,060.12 XX/XX/XXXX   N/A N/A   H-9 03/27/2006 N/A 03/31/2006           Yes No Pass Fail ($25,099.52) $1,095.50 $23,781.86 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/27/2006     2           ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.36%. The lowest Index available within the look-back period is 3.56%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing          
203392519 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Investment Conventional without MI Alt   World Savings Bank, FSB. 62.121% 62.121% 1 In Arrears 05/22/2006 34.531%   673 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $330,000.00 Stated   Negative Amortization $205,000.00 6.860% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $831.48 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.200% 5.390% 0.000% 0.000% 0.000% 5.390% 0.000% 12.250% 6.860% 12.250% 6.860% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 15   $49.89 HUD 06/08/2006 To Borrower $30,876.05 $30,876.05 Yes No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 06/09/2006 05/16/2006         No N/A     $0.00 $1,334.50 $16,271.66 N/A 8.000% N/A N/A N/A $1,334.50 $12,203.74 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/09/2006     1 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003                    
203392536 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 07/10/2006 37.503%   634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1980 $293,000.00 1073/465 07/28/2006 Negative Amortization $234,400.00 7.240% Biweekly XX/XX/XXXX 09/11/2006 08/28/2036 360 360 No $559.53 Yes 09/25/2006 05/25/2018 09/10/2007 09/10/2018 1 12 GDW-COSI 30 days 0.000 None 4.110% 3.450% 4.710% 3.790% 0.000% 0.000% 4.710% 3.790% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $27.98 HUD 08/09/2006 To Borrower $5,448.15 $5,448.15 No Taxes $409.90 No                   7.324%   $283,876.40 $231,619.60 XX/XX/XXXX   N/A N/A   H-8 08/04/2006 N/A 08/09/2006           Yes No Pass Fail ($46,454.03) $1,973.00 $18,519.56 Pass 8.000% Pass No N/A $6,591.00 $10,462.36 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/04/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $283876.40 is underdisclosed from calculated Finance Charge of $02358.32 in the amount of $18481.92. Approval indicates the lender used a lower index value than permitted in the lookback period. Truth In Lending Act: Final TIL APR of 7.324% is underdisclosed from calculated APR of 7.645% in the amount of -0.321%. Approval indicates the lender used a lower index value than permitted in the lookback period. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203392539 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.333% 73.333% 1 In Arrears 08/28/2006     698 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1990 $300,000.00 1073/465 09/21/2006 Negative Amortization $220,000.00 7.724% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $759.27 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.774% 2.950% 4.226% 4.774% 0.000% 0.000% 4.226% 4.774% 11.950% 2.950% 11.950% 2.950% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $37.96 HUD 10/03/2006 To Borrower $42,378.22 $42,631.67 No No Escrows $0.00 No                   7.829%   $451,285.67 $216,679.28 XX/XX/XXXX   N/A N/A   H-8 09/28/2006 N/A 10/03/2006           Yes No Pass Pass $323.92 $2,762.00 $17,334.34 Pass 8.000% Pass No N/A $8,442.00 $9,817.11 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/28/2006     2           ***Right of Rescission Timing - Note Date used as Transaction Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203392543 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 08/21/2006     574 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $342,000.00 1004/70 09/14/2006 Negative Amortization $273,600.00 7.510% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $944.25 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.490% 3.400% 4.440% 4.110% 0.000% 0.000% 4.440% 4.110% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.21 HUD 10/05/2006 To Borrower $277.33 $277.33 No No Escrows $0.00 No                   7.571%   $547,542.30 $270,483.49 XX/XX/XXXX   N/A N/A   H-8 09/21/2006 N/A 09/26/2006           Yes No Pass Fail ($23,554.62) $2,091.00 $21,698.20 Pass 8.000% Pass No N/A $2,091.00 $16,273.65 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/30/2006     2           ***Final TIL Finance Charge Under Disclosed: The approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%. ***TIL APR Tolerance Irregular Transaction: The approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203392544 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.314% 74.314% 1 In Arrears 11/05/2007     645 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1977 $175,000.00 1004/70 11/07/2007 Misc. ARM (I/O) $130,050.00 6.750% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $731.54 Yes 06/15/2008 06/15/2018 07/15/2008 07/15/2018 6 6 W-COSI Most recent index available 0.000 None 4.850% 2.650% 1.000% 1.000% 1.000% 1.000% 5.500% 4.100% 7.750% 5.750% 12.250% 2.650% Yes 60     No   Percent 5.000% 15   $36.58 HUD 11/27/2007 From Borrower $110.41   No No Escrows $0.00 No                   7.691%   $210,947.20 $127,209.60 XX/XX/XXXX   N/A N/A   H-8 11/21/2007 N/A 11/27/2007           Yes No Pass Pass $1,745.61 $2,221.50 $10,191.64 Pass 8.000% Pass No N/A $2,222.50 $10,191.64 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 11/21/2007     1 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:                    
203392554 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB. 69.721% 69.721% 1 In Arrears 03/15/2005     695 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1963 $251,000.00 1004/70 03/19/2005 Negative Amortization $175,000.00 5.536% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $603.97 Yes 06/15/2005 05/15/2018 06/15/2006 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.996% 3.700% 6.414% 1.836% 0.000% 0.000% 6.414% 1.836% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $30.20 HUD 04/22/2005 To Borrower $64,590.34 $64,590.34 No Taxes and Insurance $417.71 No                   5.672%   $215,806.92 $171,327.42 XX/XX/XXXX   N/A N/A   H-8 04/15/2005 N/A 04/20/2005           Yes No Pass Fail ($10,096.57) $3,128.00 $13,698.80 Pass 8.000% Pass No N/A $6,628.00 $10,274.10 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/22/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Lender used an index of 1.836% but the lowest index in the look back period is 1.99583%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392577 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 10/14/2003     575 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX $273,000.00 1972 $273,000.00 2055 w/ Interior 11/05/2003 Negative Amortization $218,400.00 5.400% Biweekly XX/XX/XXXX 12/15/2003 12/01/2033 361 361 No $400.96 Yes 12/29/2003 05/28/2018 12/13/2004 12/13/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.870% 3.450% 6.550% 1.950% 0.000% 0.000% 6.550% 1.950% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $12.03 HUD 11/14/2003 From Borrower $65,245.60   N/A Taxes $204.30 No                   5.629%   $206,218.28 $212,525.20 XX/XX/XXXX   N/A N/A       N/A 11/19/2003           Yes N/A Pass Fail ($8,867.30) $5,744.00 $16,968.41 N/A 8.000% N/A N/A N/A $5,744.00 $10,920.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/14/2003     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test          
203392587 XXXXXXX XXXXXXX Retail Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/14/2005     710 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Attached 1 XXXXXXX XXXXXXX NC XXXXXXX XXXXXXX $283,130.00 2005 $285,000.00 2055 w/ Interior 10/19/2005 Negative Amortization $226,504.00 5.540% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $1,291.76 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 2.650% 6.410% 2.890% 0.000% 0.000% 6.410% 2.890% 11.950% 2.650% 11.950% 2.650% No   30 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $64.59 HUD 10/31/2005 From Borrower $59,833.25   N/A No Escrows $0.00 No                   5.573%   $239,828.34 $225,200.68 XX/XX/XXXX   N/A N/A       N/A 11/04/2005 09/14/2005 09/14/2005       Yes N/A Pass Fail ($9,423.29) $1,204.00 $17,982.74 N/A 8.000% N/A N/A N/A $6,582.59 $11,239.21 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/31/2005     2 ***Missing Document: Missing Final 1003         ***North Carolina First Lien Late Charge Percent Testing: 5% late charge exceeds 4% maximum per state (NC) ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.89%. The lowest Index available within the look-back period is 3.06%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing          
203392591 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 68.732% 68.732% 1 In Arrears 11/15/2006     587 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1964 $355,000.00 1004/70 11/15/2006 Negative Amortization $244,000.00 7.547% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $901.88 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.550% 4.403% 4.997% 0.000% 0.000% 4.403% 4.997% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $27.06 HUD 12/01/2006 To Borrower $11,723.06 $11,723.06 No Taxes $384.64 No                   7.740%   $497,763.14 $237,617.76 XX/XX/XXXX   N/A N/A   H-8 11/27/2006 N/A 12/01/2006 11/14/2006 11/14/2006       Yes No Pass Fail ($103.67) $5,825.94 $18,997.42 Pass 8.000% Pass No N/A $10,635.94 $12,200.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/27/2006     2           ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***ARM Disclosure Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Federal FACTA Disclosure Timing Test          
203392597 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 78.500% 78.500% 1 In Arrears 07/13/2006 38.540%   595 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1964 $410,000.00 1004/70 07/14/2006 Negative Amortization $321,850.00 6.590% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $1,189.62 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 2.800% 5.360% 3.790% 0.000% 0.000% 5.360% 3.790% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 3.000% 15   $35.69 HUD 08/01/2006 From Borrower $1,487.39   No Taxes and Insurance $510.21 No                   6.769%   $513,291.19 $314,111.71 XX/XX/XXXX   N/A N/A   H-8 07/27/2006 N/A 08/01/2006 06/21/2006 06/21/2006       Yes No Pass Fail ($44,667.71) $7,324.75 $25,096.93 Pass 8.000% Pass No N/A $7,254.75 $16,092.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/27/2006     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11% ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11% ***ARM Disclosure Timing ***CHARM Booklet Disclosure Status          
203392609 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 69.767% 69.767% 1 In Arrears 11/10/2004 39.960%   594 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $258,000.00 Stated   Negative Amortization $180,000.00 4.927% Monthly XX/XX/XXXX 02/15/2005 01/15/2035 360 360 No $660.83 Yes 02/15/2005 05/15/2018 02/15/2006 02/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.451% 3.650% 7.023% 1.277% 0.000% 0.000% 7.023% 1.277% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $33.04 HUD 12/20/2004 To Borrower $11,482.38 $11,482.38 No Taxes $870.33 No                   5.078%   $181,510.63 $176,159.40 XX/XX/XXXX   N/A N/A   H-8 12/10/2004 N/A 12/15/2004           Yes No Pass Fail ($9,328.71) $3,377.67 $14,071.46 Pass 8.000% Pass No N/A $6,977.67 $10,553.59 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/20/2004     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval indicates the lender used an index of 1.277% but the lowest index in the look back period is %. In addition it appears the loan is under disclosed by $216 for fees but the itemization of prepaid finance charges is missing. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203392610 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 59.429% 59.429% 1 In Arrears 04/17/2006 36.403%     Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $350,000.00 Stated   Negative Amortization $208,000.00 6.960% Biweekly XX/XX/XXXX 06/26/2006 06/12/2036 360 360 No $435.67 Yes 07/10/2006 05/10/2018 06/25/2007 06/25/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.400% 4.990% 3.560% 0.000% 0.000% 4.990% 3.560% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $13.07 HUD   To Borrower $50,378.25 $50,378.25 N/A Taxes and Insurance $47.44 No                   7.135%   $259,759.23 $203,557.83 XX/XX/XXXX   N/A N/A   H-8 05/17/2006 N/A 05/22/2006           Yes No Pass Fail ($39,536.21) $3,647.00 $16,348.24 Pass 8.000% Pass No N/A $7,737.00 $10,400.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/17/2006     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $259759.23 is underdisclosed from calculated Finance Charge of $272290.75 in the amount of $-12531.52. Approval indicates the index used was 3.56%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 7.135% is underdisclosed from calculated APR of 7.322% in the amount of -0.187%. Approval indicates the index used was 3.56%. The lowest index available within the look-back period is 3.79%. ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203392621 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Investment Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 07/11/2006 34.000%   707 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $235,000.00 1075/466 07/17/2006 Negative Amortization $188,000.00 7.290% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $742.83 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.500% 4.960% 3.790% 0.000% 0.000% 4.960% 3.790% 12.250% 3.500% 12.250% 3.500% No       Yes 125.000% Percent 6.000% 10   $44.57 HUD 07/31/2006 To Borrower $51,105.18 $51,105.18 Yes No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 07/29/2006 07/20/2006 07/20/2006       No N/A     $0.00 $1,485.50 $14,876.10 N/A 8.000% N/A N/A N/A $1,422.00 $9,400.00 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/24/2006     1                      
203392626 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 65.079% 65.079% 1 In Arrears 03/03/2004 28.792%   664 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1976 $315,000.00 2055 w/ Interior 03/16/2004 Negative Amortization $205,000.00 4.763% Monthly XX/XX/XXXX 05/15/2004 04/15/2034 360 360 No $752.61 Yes 05/15/2004 05/15/2018 05/15/2005 05/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.113% 3.650% 7.187% 1.113% 0.000% 0.000% 7.187% 1.113% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $37.63 HUD   To Borrower $14,514.06 $14,514.06 No Taxes and Insurance $0.04 No                   4.856%   $195,612.48 $202,193.25 XX/XX/XXXX   N/A N/A   H-8 03/24/2004 N/A 03/29/2004           Yes No Pass Fail ($55.04) $2,779.00 $16,141.30 Pass 8.000% Pass No N/A $6,879.00 $12,105.97 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/30/2004     2           ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of prepaid finance charges. Under disclosure appears to be fee related. ***CHARM Booklet Disclosure Prior to Closing Timing ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392630 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.724% 71.724% 1 In Arrears 12/01/2005 42.316%   570 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1997 $290,000.00 1004/70 12/20/2005 Negative Amortization $208,000.00 6.590% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $811.08 Yes 03/15/2006 05/15/2018 04/15/2006 04/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.240% 3.450% 5.360% 3.140% 0.000% 0.000% 5.360% 3.140% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $24.33 HUD 02/08/2006 To Borrower $81,997.38 $81,997.38 No No Escrows $0.00 No                   6.646%   $318,004.25 $206,352.15 XX/XX/XXXX   N/A N/A   H-8 01/12/2006 N/A 01/18/2006 12/16/2005 12/16/2005       Yes No Pass Fail ($8,875.83) $1,997.37 $16,459.18 Pass 8.000% Pass No N/A $6,148.37 $10,400.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/12/2006     2           ***Final TIL Finance Charge Under Disclosed: Under disclosure on Pick-A-Payment Neg Am Note appears to be due to Index on approval is 3.14% while lowest Index in look-back period is 3.24%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203392636 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 03/28/2006 42.000%   684 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1970 $559,000.00 1004/70 04/11/2006 Negative Amortization $447,200.00 6.960% Biweekly XX/XX/XXXX 06/05/2006 05/22/2036 360 360 No $895.16 Yes 06/19/2006 05/19/2018 06/05/2007 06/05/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.400% 4.990% 3.560% 0.000% 0.000% 4.990% 3.560% 11.950% 3.400% 11.950% 3.400% No       Yes 125.000% Percent 3.000% 15   $26.85 HUD 05/04/2006 To Borrower $21,744.14 $21,744.14 Yes Taxes and Insurance $10.00 No                   7.090%   $574,086.37 $439,630.81 XX/XX/XXXX   N/A N/A   H-9 04/28/2005 N/A 05/03/2006 04/18/2006 04/18/2006       Yes No Pass Pass $70,990.80 $6,187.50 $35,157.86 Pass 8.000% Pass No N/A $6,154.00 $22,360.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/28/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $574086.37 is underdisclosed from calculated Finance Charge of $586964.08 in the amount of $-12877.71. Approval indicates the index used was 3.56%. The lowest index available within the look-back period is 3.66%. ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203392639 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 78.409% 78.409% 1 In Arrears 07/19/2005     732 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1965 $380,000.00 2055 w/ Interior 09/09/2004 Negative Amortization $345,000.00 5.692% Monthly XX/XX/XXXX 10/15/2005 09/15/2035 360 360 No $1,266.58 Yes 10/15/2005 05/15/2018 10/15/2006 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 2.658% 3.200% 6.258% 2.492% 0.000% 0.000% 6.258% 2.492% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $63.33 HUD 08/22/2005 To Borrower $95,970.86 $95,970.86 Yes No Escrows $0.00 No                   5.722%   $426,537.34 $342,143.70 XX/XX/XXXX   N/A N/A   H-9 08/15/2005 N/A 08/19/2005           Yes No Pass Fail ($19,681.23) $1,402.10 $27,371.62 Pass 8.000% Pass No N/A $1,402.10 $20,528.71 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/22/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.492%. The closest Index available in our look-back period is 2.65833%          
203392642 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 05/23/2005 41.765%   658 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $415,000.00   $415,000.00 Stated   Negative Amortization $332,000.00 5.920% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $1,145.80 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.400% 6.030% 2.520% 0.000% 0.000% 6.030% 2.520% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $57.29 HUD   From Borrower $91,156.13   N/A No Escrows $0.00 No                   6.058%   $456,427.24 $325,562.35 XX/XX/XXXX   N/A N/A       N/A 06/28/2005           No N/A Pass Fail ($23,404.35) $5,448.20 $26,037.91 N/A 8.000% N/A N/A N/A $12,088.20 $19,528.43 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/27/2005     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.52%. The closest Index available in our look-back period is 2.70% ***ARM Disclosure Status ***CHARM Booklet Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203392648 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 56.144% 56.144% 1 In Arrears 01/22/2006 8.103%   630 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1970 $472,000.00 1004/70 01/21/2006 Negative Amortization $265,000.00 6.740% Monthly XX/XX/XXXX 04/15/2006 03/15/2036 360 360 No $1,117.26 Yes 04/15/2006 05/15/2018 04/15/2007 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.500% 5.510% 3.240% 0.000% 0.000% 5.510% 3.240% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $67.04 HUD 02/27/2006 To Borrower $32,339.71 $32,339.71 No Taxes and Insurance $1,117.97 No                           XX/XX/XXXX   N/A N/A       N/A 02/27/2006 02/21/2006 02/21/2006       No N/A     $0.00 $6,875.00 $20,587.36 N/A 8.000% N/A N/A N/A $6,875.00 $18,013.94 N/A 7.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/22/2006     2           ***Missing Initial Loan Application Test ***Maryland Late Charge Percent and Amount Testing: 6% late charge exceeds 5% maximum per state MD ***Maryland Late Charge Grace Period Testing: 10 day grace period less than 15 day minimum per state (MD) ***Note Error: Note late charge percentage exceeds maximum per state: 6% late charge exceeds 5% maximum per state MD.          
203392661 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 55.319% 55.319% 1 In Arrears 09/30/2004 35.961%   618 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $470,000.00 Stated   Negative Amortization $260,000.00 4.977% Monthly XX/XX/XXXX 12/15/2004 11/15/2034 360 360 No $954.53 Yes 12/15/2004 05/15/2018 12/15/2005 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.277% 3.700% 6.973% 1.277% 0.000% 0.000% 6.973% 1.277% 11.950% 3.700% 11.950% 3.700% No   36 2% Yes 125.000% Percent 5.000% 15   $47.73 HUD 11/02/2004 To Borrower $129,941.08 $139,843.08 No No Escrows $0.00 No                   5.105%   $265,100.29 $255,306.35 XX/XX/XXXX   N/A N/A   H-8 10/26/2004 N/A 10/30/2004           Yes No Pass Pass $531.39 $3,765.00 $20,459.09 Pass 8.000% Pass No N/A $8,965.00 $15,344.32 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/26/2004     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392672 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Investment Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 08/01/2002     637 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CO XXXXXXX XXXXXXX   1961 $325,000.00 2055 w/ Interior 08/13/2002 Negative Amortization $260,000.00 5.313% Monthly XX/XX/XXXX 10/01/2002 09/01/2032 360 360 No $1,445.90 Yes 10/01/2002 05/01/2018 10/01/2003 10/01/2018 1 12 CODI Most recent index available 0.001 Nearest 2.107% 3.050% 6.937% 2.263% 0.000% 0.000% 6.937% 2.263% 12.250% 3.050% 12.250% 3.050% No   36 2% Yes 125.000% Percent 6.000% 10   $86.75 HUD 08/28/2002 To Borrower $34,276.83 $36,847.96 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 08/28/2002           No N/A     $0.00 $3,108.00 $20,524.10 N/A 10.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/23/2002     2 ***Missing Document: Missing Final 1003         ***Note Error: Note late charge percentage exceeds maximum per state: Late charge not allowed per state (CO) - max late charge for CO is 5% - note states 6%          
203392687 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 06/30/2005 47.000%   633 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX     $580,000.00 2055 (Exterior Only) 06/15/2005 Negative Amortization $464,000.00 5.363% Biweekly XX/XX/XXXX 09/05/2005 08/22/2035 360 360 No $800.68 Yes 09/19/2005 05/19/2018 09/04/2006 09/04/2018 1 12 CODI Most recent index available 0.001 Nearest 2.492% 3.200% 6.587% 2.163% 0.000% 0.000% 6.587% 2.163% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.03 HUD   To Borrower $3,470.54 $51,875.38 Yes No Escrows $481.86 No                   5.393%   $438,062.50 $461,613.55 XX/XX/XXXX   N/A N/A   H-9 07/31/2005 N/A 08/04/2005           Yes No Pass Fail ($74,105.88) $1,701.13 $36,945.62 Pass 8.000% Pass No N/A $1,701.13 $32,327.42 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/16/2005     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test ***FACTA Disclosure Missing          
203392710 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 70.000% 70.000% 1 In Arrears 12/02/2004     571 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $465,000.00 2055 w/ Interior 12/08/2004 Negative Amortization $325,500.00 4.505% Biweekly XX/XX/XXXX 02/28/2005 02/14/2035 361 361 No $561.69 Yes 03/14/2005 05/14/2018 02/27/2006 02/27/2019 1 12 CODI Most recent index available 0.001 Nearest 1.563% 3.150% 7.445% 1.355% 0.000% 0.000% 7.445% 1.355% 11.950% 3.150% 11.950% 3.150% No       Yes 125.000% Percent 5.000% 15   $28.08 HUD 01/26/2005 To Borrower $58,765.12 $58,765.12 Yes No Escrows $0.00 No                   4.777%   $255,172.15 $318,350.70 XX/XX/XXXX   N/A N/A   H-9 01/19/2005 N/A 01/24/2005           Yes No Pass Pass $11,903.03 $7,254.85 $25,393.78 Pass 8.000% Pass No N/A $7,254.85 $19,045.34 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/19/2005     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $255,172.15 is underdisclosed from calculated Finance Charge of $263,762.86 in the amount of $8590.71. The loan commitment reflects an index of 1.355% was used at closing however 1.56% is the lowest available in the lookback period. ***FACTA Disclosure Missing          
203392715 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 50.000% 50.000% 1 In Arrears 07/26/2006 36.631%   633 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1913 $390,000.00 1004/70 07/25/2006 Negative Amortization $195,000.00 7.610% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $672.99 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.490% 3.500% 4.340% 4.110% 0.000% 0.000% 4.340% 4.110% 11.950% 3.500% 11.950% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $20.19 HUD 09/28/2006 To Borrower $17,887.44 $17,887.44 Yes Taxes $0.00 No                   7.652%   $393,607.90 $193,590.90 XX/XX/XXXX   N/A N/A   H-9 09/23/2006 N/A 09/28/2006           Yes No Pass Fail ($18,850.82) $1,330.50 $15,438.26 Pass 8.000% Pass No N/A $6,047.20 $9,750.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/29/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.11%. The closest Index available in our look-back period is 4.49% ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 4.11%. The closest Index available in our look-back period is 4.49% ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement          
203392718 XXXXXXX XXXXXXX Retail Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 83.000% 83.000% 1 In Arrears 08/11/2005     600 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $505,000.00 2001 $495,000.00 2055 w/ Interior 08/18/2005 Negative Amortization $410,850.00 5.550% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $1,508.33 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 2.850% 6.400% 2.700% 0.000% 0.000% 6.400% 2.700% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $75.42 HUD 09/30/2005 From Borrower $103,204.88   N/A Taxes $3,623.66 No                   5.592%   $488,521.33 $406,931.37 XX/XX/XXXX   N/A N/A       N/A 09/19/2005 08/18/2005 08/18/2005       No N/A Pass Fail ($26,777.96) $2,493.50 $32,545.18 N/A 8.000% N/A N/A N/A $2,493.50 $24,408.89 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/16/2005     2           ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (CA) - max prepayment charge for CA loan is 6 months interest > 20% - note states 2%, 2%, 2%. Lender is World Savings Bank ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203392725 XXXXXXX XXXXXXX Retail Refinance Cash-out - Home Improvement Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 07/12/2004     706 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $360,000.00 Stated   Negative Amortization $288,000.00 4.468% Monthly XX/XX/XXXX 10/01/2004 09/01/2034 360 360 No $1,057.32 Yes 10/01/2004 05/01/2018 10/01/2005 10/01/2018 1 12 CODI Most recent index available 0.001 Nearest 1.118% 3.350% 7.482% 1.118% 0.000% 0.000% 7.482% 1.118% 11.950% 3.350% 11.950% 3.350% No   36 2% Yes 125.000% Percent 5.000% 15   $52.87 HUD 08/05/2004 To Borrower $97,745.72 $97,745.72 Yes No Escrows $0.00 No                   4.536%   $251,097.79 $284,940.00 XX/XX/XXXX   N/A N/A   H-9 07/30/2004 N/A 08/04/2004           Yes No Pass Fail ($241.54) $2,635.50 $22,763.88 Pass 8.000% Pass No N/A $2,635.50 $17,072.91 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/30/2004     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.          
203392726 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 63.670% 63.670% 1 In Arrears 09/06/2004     736 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $545,000.00 1998 $545,000.00 1004/70 09/09/2004 Negative Amortization $347,000.00 4.812% Monthly XX/XX/XXXX 11/15/2004 10/15/2034 360 360 No $1,273.93 Yes 11/15/2004 05/15/2018 11/15/2005 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.212% 3.650% 7.138% 1.162% 0.000% 0.000% 7.138% 1.162% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $63.70 HUD 09/30/2004 From Borrower $204,797.60   N/A No Escrows $0.00 No                   4.924%   $336,504.94 $341,565.25 XX/XX/XXXX   N/A N/A       N/A 10/01/2004           No N/A Pass Fail ($5,335.00) $5,175.00 $27,287.44 N/A 8.000% N/A N/A N/A $12,115.00 $20,465.58 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/24/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Lender's approval indicates the Index used was 1.162%. The lowest Index available within the look-back period is 1.21167%. ***Missing Initial Loan Application Test ***(Doc Error) Initial GFE not provided          
203392728 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, A Federal Savings Bank 100.000% 100.000% 1 In Arrears 07/12/2005     604 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2005 $373,000.00 1004/70 04/12/2004 Negative Amortization $373,000.00 5.942% Monthly XX/XX/XXXX 09/15/2005 08/15/2035 360 360 No $1,369.38 Yes 09/15/2005 05/15/2018 09/15/2006 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 2.492% 3.450% 6.008% 2.492% 0.000% 0.000% 6.008% 2.492% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $68.47 HUD 07/29/2005 To Borrower $77,419.03 $77,419.03 Yes Taxes and Insurance $609.34 No                   5.956%   $493,550.17 $370,780.16 XX/XX/XXXX   N/A N/A   H-9 07/25/2005 N/A 07/29/2005           Yes No Pass Pass $56.94 $1,276.88 $29,655.27 Pass 8.000% Pass No N/A $1,276.88 $22,241.45 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/29/2005     1 ***Missing Document: Missing Final 1003                    
203392732 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings And Loan Association, A Federal Savings And Loan Association, Its Successors and/or Assignees 89.339% 89.339% 1 In Arrears 11/10/2006 36.702%   621 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX WA XXXXXXX XXXXXXX   1929 $257,000.00 1004/70 09/29/2006 Negative Amortization $229,600.00 7.547% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $792.40 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.550% 4.403% 4.997% 0.000% 0.000% 4.403% 4.997% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $39.62 HUD 12/06/2006 To Borrower $6,032.62 $6,032.62 No Taxes $279.76 No                   7.730%   $463,663.27 $224,056.30 XX/XX/XXXX   N/A N/A   H-8 12/02/2006 N/A 12/07/2006 11/08/2006 11/08/2006       Yes No Pass Pass $268.47 $4,898.00 $17,941.98 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/06/2006     2           ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203392736 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.663% 73.663% 1 In Arrears 07/12/2003 31.420%   647 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1966 $400,000.00 2055 w/ Interior 06/29/2002 Negative Amortization $305,700.00 4.569% Monthly XX/XX/XXXX 10/15/2003 09/15/2033 360 360 No $1,122.30 Yes 10/15/2003 05/15/2018 10/15/2004 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.358% 3.150% 7.381% 1.419% 0.000% 0.000% 7.381% 1.419% 11.950% 3.150% 11.950% 3.150% No       Yes 125.000% Percent 5.000% 15   $56.12 HUD   To Borrower $29,945.30 $29,945.30 Yes No Escrows $0.00 No                   4.602%   $273,883.06 $303,284.63 XX/XX/XXXX   N/A N/A   H-9 08/12/2003 N/A 08/16/2003 07/09/2003 07/09/2003       Yes No Pass Pass $5,513.92 $754.00 $24,309.95 Pass 8.000% Pass No N/A $1,104.00 $18,232.46 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/11/2003     2 ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Missing Initial Loan Application Test          
203392746 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 08/04/2005     702 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $450,000.00 Stated   Negative Amortization $360,000.00 5.600% Monthly XX/XX/XXXX 10/15/2005 09/15/2035 360 360 No $1,321.65 Yes 10/15/2005 05/15/2018 10/15/2006 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None   2.900% 6.350% 2.700% 0.000% 0.000% 6.350% 2.700% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $66.08 HUD 09/08/2005 To Borrower $81,997.31 $114,077.31 Yes No Escrows $0.00 No                   5.613%   $431,951.36 $358,704.51 XX/XX/XXXX   N/A N/A   H-9 09/01/2005 N/A 09/07/2005 07/18/2005 07/18/2005       Yes No Pass Fail ($33,510.43) $630.50 $28,714.21 Pass 8.000% Pass No N/A $630.50 $21,535.65 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/29/2005     2 ***Missing Valuation:: Appraisal not provided. ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicate the Index used was 2.70%. The closest Index available in our look-back period is 2.97%. ***TIL APR Tolerance Irregular Transaction: Approval indicate the Index used was 2.70%. The closest Index available in our look-back period is 2.97%.          
203392762 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Reduced   Wachovia Mortgage, FSB 62.264% 62.264% 1 In Arrears 03/01/2008     704 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   1993 $1,060,000.00 1004/70 02/15/2008 Negative Amortization $660,000.00 7.840% Monthly XX/XX/XXXX 05/15/2008 04/15/2038 360 360 No $3,246.81 Yes 05/15/2008 05/15/2018 05/15/2013 05/15/2018 1 12 W-COSI Most recent index available 0.000 None   3.100% 4.110% 4.740% 0.000% 0.000% 4.110% 4.740% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $162.34 HUD 04/02/2008 To Borrower $5,578.90 $141,628.90 No Insurance $0.00 No                   7.942%   $1,369,423.86 $650,330.12 XX/XX/XXXX   N/A N/A   H-8 03/28/2008 N/A 04/02/2008           Yes No Pass Pass $195.92 $7,677.00 $52,038.40 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/02/2008     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203392772 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   WORLDS SAVINGS BANK, FSB, A FEDERAL SAVINGS BANK 71.639% 71.639% 1 In Arrears 01/15/2005     731 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2000 $543,000.00 2055 w/ Interior 01/26/2005 Negative Amortization $389,000.00 4.763% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $1,428.12 Yes 04/15/2005 05/15/2018 04/15/2006 04/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.693% 3.200% 7.187% 1.563% 0.000% 0.000% 7.187% 1.563% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $71.41 HUD 02/22/2005 To Borrower $3,423.89 $3,423.89 No No Escrows $0.00 No                   4.782%   $367,895.24 $386,968.04 XX/XX/XXXX   N/A N/A   H-8 02/15/2005 N/A 02/19/2005           Yes No Pass Fail ($14,040.35) $1,200.50 $30,938.68 Pass 8.000% Pass No N/A $1,200.50 $23,204.01 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/22/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Conditional Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392779 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.821% 73.821% 1 In Arrears 02/28/2007     704 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1966 $615,000.00 1004/70 01/31/2007 Negative Amortization $454,000.00 7.730% Biweekly XX/XX/XXXX 04/23/2007 04/09/2037 361 361 No $783.43 Yes 05/07/2007 05/07/2018 04/21/2008 04/21/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.770% 3.000% 4.220% 4.730% 0.000% 0.000% 4.220% 4.730% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $39.17 HUD 03/21/2007 To Borrower $21,843.58 $21,920.04 No Taxes and Insurance $1,534.96 No                   7.856%   $743,546.91 $445,921.09 XX/XX/XXXX   N/A N/A   H-8 03/16/2007 N/A 03/21/2007           Yes No Pass Fail ($103,415.46) $6,167.12 $35,680.08 Pass 8.000% Pass No N/A $6,167.12 $31,220.07 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/16/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203392814 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 11/16/2005 36.551%   629 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $650,000.00 2055 (Exterior Only) 11/29/2005 Negative Amortization $520,000.00 6.460% Monthly XX/XX/XXXX 02/01/2006 01/01/2036 360 360 No $1,974.45 Yes 02/01/2006 05/01/2018 02/01/2007 02/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $98.72 HUD 12/27/2005 To Borrower $15,733.13 $126,670.83 Yes Taxes and Insurance $1,135.37 No                   6.492%   $779,083.83 $516,913.14 XX/XX/XXXX   N/A N/A   H-9 12/16/2005 N/A 12/21/2005 11/25/2005 11/25/2005       Yes No Pass Fail ($16,095.16) $2,092.50 $41,425.78 Pass 8.000% Pass No N/A $12,492.50 $31,069.34 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/22/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203392844 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 05/19/2006     655 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1993 $195,000.00 1004/70 06/12/2006 Negative Amortization $156,000.00 7.060% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $584.43 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $29.22 HUD 06/19/2006 To Borrower $29,596.97 $29,596.97 No No Escrows $0.00 No                   7.311%   $280,854.19 $150,516.91 XX/XX/XXXX   N/A N/A   H-8 06/14/2006 N/A 06/19/2006           Yes No Pass Fail ($9,060.78) $4,778.50 $12,034.96 Pass 8.000% Pass No N/A $4,778.50 $9,026.22 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/20/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203392849 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI UTD   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 11/20/2005     713 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   1970 $202,000.00 1004/70 10/21/2005 Negative Amortization $141,400.00 6.560% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $596.15 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.500% 5.690% 3.060% 0.000% 0.000% 5.690% 3.060% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $35.77 HUD 12/27/2005 To Borrower $38,203.30 $38,203.30 No Taxes $252.54 No                           XX/XX/XXXX   N/A N/A       N/A 12/24/2005           No N/A     $0.00 $3,596.00 $10,985.69 N/A 8.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/30/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203392850 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 06/28/2006 37.776%   675 Fee Simple XXXXXX XXXXXX   XXXXXX                     Townhouse 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX $229,900.00 1986 $230,000.00 1004/70 07/11/2006 Negative Amortization $183,920.00 7.133% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $634.75 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 CODI First business day of previous month 0.001 Nearest 4.483% 2.650% 4.817% 4.483% 0.000% 0.000% 4.817% 4.483% 11.950% 2.650% 11.950% 2.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $31.74 HUD 07/28/2006 From Borrower $53,637.26   N/A No Escrows $0.00 No                   7.266%   $349,471.65 $180,219.38 XX/XX/XXXX   N/A N/A       N/A 08/02/2006           Yes N/A Pass Pass $172.10 $3,206.70 $14,431.55 N/A 8.000% N/A N/A N/A $6,637.80 $8,276.40 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/28/2006     2           ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***(Doc Error) Initial GFE not provided          
203392871 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Investment Conventional without MI UTD   Wells Fargo Bank, N.A. 70.000% 70.000% 1 In Arrears 08/07/2007 38.873%   616 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $270,000.00 1025/72 08/02/2007 Fixed Rate $189,000.00 8.800% Monthly XX/XX/XXXX 10/01/2007 09/01/2037 360 360 No $741.88 No     10/01/2008 10/01/2018   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 15   $44.51 HUD 08/13/2007 To Borrower $3,616.43 $16,215.43 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 08/16/2007 08/07/2007 08/07/2007       No N/A     $0.00 $5,860.00 $14,581.93 N/A 8.000% N/A N/A N/A $13,320.00 $9,450.00 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/11/2007     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Disparity in Occupancy: The Initial Broker Application indicates the subject property is the borrower's primary residence. However, the Lender's Final Loan Application indicates the property is an investment property. The loan does not pass state high cost testing when submitted as a primary residence. ***Missing Initial Loan Application Test          
203392876 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI SISA   World Savings Bank, FSB 48.387% 48.387% 1 In Arrears 04/29/2006 42.550%   639 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2001 $310,000.00 1004/70 05/04/2006 Negative Amortization $150,000.00 6.410% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $532.20 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 2.850% 5.540% 3.560% 0.000% 0.000% 5.540% 3.560% 11.950% 2.850% 11.950% 2.850% No   36 2% Yes 125.000% Percent 5.000% 15   $26.61 HUD 06/01/2006 To Borrower $37,657.03 $38,534.78 No Taxes and Insurance $151.05 No                   6.702%   $235,589.71 $144,077.66 XX/XX/XXXX   N/A N/A   H-8 05/24/2006 N/A 05/30/2006 04/18/2006 04/18/2006       Yes No Pass Fail ($13,777.24) $5,482.50 $11,557.90 Pass 8.000% Pass No N/A $5,482.50 $8,668.42 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/01/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: An approval indicates that the lender used an index of 3.56%. The closest index in our look-back period is 3.79%. This has caused an under disclosure in the payment stream of $14,618.33. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203392906 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 77.728% 77.728% 1 In Arrears 02/04/2005     672 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1950 $334,500.00 2055 w/ Interior 01/07/2005 Negative Amortization $260,000.00 5.213% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $897.32 Yes 04/15/2005 05/15/2018 04/15/2006 04/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.693% 3.650% 6.737% 1.563% 0.000% 0.000% 6.737% 1.563% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.87 HUD   To Borrower $563.78 $563.78 No No Escrows $0.00 No                   5.334%   $291,098.49 $255,351.40 XX/XX/XXXX   N/A N/A   H-8 03/04/2005 N/A 03/09/2005 11/18/2004 11/18/2004       Yes No Pass Fail ($7,533.79) $888.85 $20,711.37 Pass 8.000% Pass No N/A $6,088.85 $15,533.53 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/13/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Conditional Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203392908 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI SISA   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 11/07/2005 42.552%   626 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1962 $455,000.00 2055 w/ Interior 11/15/2005 Negative Amortization $364,000.00 6.370% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,382.12 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $69.11 HUD 11/29/2005 To Borrower $14,987.95 $15,911.95 No No Escrows $0.00 No                   6.510%   $537,006.46 $356,915.52 XX/XX/XXXX   N/A N/A   H-8 11/23/2005 N/A 11/29/2005           Yes No Pass Fail ($23,886.68) $5,243.00 $28,619.24 Pass 8.000% Pass No N/A $12,523.00 $21,464.43 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/30/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14% ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203392932 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings And Loan Association, A Federal Savings Bank, Its Successors and/or Assignees 82.025% 82.025% 1 In Arrears 08/05/2006 34.311%   640 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1981 $395,000.00 2055 w/ Interior 03/23/2005 Negative Amortization $324,000.00 7.340% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $1,118.19 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.340% 3.400% 4.610% 3.940% 0.000% 0.000% 4.610% 3.940% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $55.91 HUD 08/29/2006 To Borrower $56,412.40 $56,412.40 Yes Taxes $293.36 No                   7.455%   $642,679.59 $318,470.26 XX/XX/XXXX   N/A N/A   H-9 08/24/2006 N/A 08/29/2006 07/18/2006 07/18/2006       Yes No Pass Fail ($24,498.04) $4,470.50 $25,473.74 Pass 8.000% Pass No N/A $4,470.50 $19,105.30 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/26/2006     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: An approval in the file indicates that the lender used an index of 3.94%. The closest index in our look-back period is 4.34% This has caused a payment variance of $24,499.56. ***TIL APR Tolerance Irregular Transaction: An approval in the file indicates that the lender used an index of 3.94%. The closest index in our look-back period is 4.34% ***Federal FACTA Disclosure Timing Test          
203392956 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 50.000% 50.000% 1 In Arrears 11/27/2006 36.265%   574 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1939 $410,000.00 1004/70 12/15/2006 Negative Amortization $205,000.00 7.631% Monthly XX/XX/XXXX 02/15/2007 01/15/2037 360 360 No $757.72 Yes 02/15/2007 05/15/2018 02/15/2008 02/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.550% 4.319% 5.081% 0.000% 0.000% 4.319% 5.081% 11.950% 2.550% 11.950% 2.550% No   36 2% Yes 125.000% Percent 5.000% 15   $37.89 HUD 01/04/2007 To Borrower $20,074.62 $20,074.62 No No Escrows $0.00 No                   7.861%   $427,820.50 $198,767.32 XX/XX/XXXX   N/A N/A   H-8 12/27/2006 N/A 01/02/2007           Yes No Pass Pass $389.63 $5,425.50 $15,924.81 Pass 8.000% Pass No N/A $5,425.50 $11,943.61 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/04/2007     2 ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203392973 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI SISA   World Savings Bank, FSB 72.500% 72.500% 1 In Arrears 02/01/2005 38.120%   700 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1950 $450,000.00 2055 w/ Interior 02/10/2005 Negative Amortization $326,250.00 5.263% Monthly XX/XX/XXXX 05/15/2005 04/15/2035 360 360 No $1,125.96 Yes 05/15/2005 05/15/2018 05/15/2006 05/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.693% 3.700% 6.687% 1.563% 0.000% 0.000% 6.687% 1.563% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $56.30 HUD 03/15/2005 To Borrower $12,718.61 $12,718.61 No No Escrows $0.00 No                   5.383%   $371,115.39 $319,959.45 XX/XX/XXXX   N/A N/A   H-8 03/01/2005 N/A 03/05/2005           Yes No Pass Fail ($13,832.82) $4,908.50 $25,586.89 Pass 8.000% Pass No N/A $11,433.50 $19,190.17 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/15/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925% ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203392975 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 82.857% 82.857% 1 In Arrears 03/06/2006 30.225%   626 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1995 $420,000.00 1004/70 02/23/2006 Negative Amortization $348,000.00 5.890% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $2,061.89 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 2.650% 6.060% 3.240% 0.000% 0.000% 6.060% 3.240% 11.950% 2.650% 11.950% 2.650% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $61.86 HUD 04/05/2006 To Borrower $3,000.63 $101,666.19 Yes Insurance $484.44 No                   5.926%   $396,611.43 $345,667.78 XX/XX/XXXX   N/A N/A   H-9 03/31/2006 N/A 04/05/2006           Yes No Pass Fail ($25,759.19) $1,205.50 $27,698.63 Pass 8.000% Pass No N/A $9,750.00 $17,400.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/31/2006     2           ***Final TIL Finance Charge Under Disclosed: Loan approval indicates the Index used was 3.240%. The lowest Index available within the look-back period is 3.560%. ***TIL APR Tolerance Irregular Transaction: Loan approval indicates the Index used was 3.240%. The lowest Index available within the look-back period is 3.560%. ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203393002 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 05/16/2005     643 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1955 $420,000.00 1004/70 04/25/2005 Negative Amortization $294,000.00 5.920% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $1,079.34 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.400% 6.030% 2.520% 0.000% 0.000% 6.030% 2.520% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $53.97 HUD 06/23/2005 To Borrower $53,184.15 $115,601.05 No Taxes $723.52 No                   5.983%   $387,989.68 $290,884.76 XX/XX/XXXX   N/A N/A   H-8 06/16/2005 N/A 06/21/2005           Yes No Pass Fail ($20,029.15) $2,015.80 $23,267.19 Pass 8.000% Pass No N/A $7,895.80 $17,450.39 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/23/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: An approval indicates that the lender used an index of 2.52%. The closest index in our look-back period is 2.7%. This has caused a payment variance of $20,034.27. ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393019 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 66.327% 66.327% 1 In Arrears 12/06/2005     611 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1979 $490,000.00 1004/70 12/08/2005 Negative Amortization $325,000.00 6.460% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $1,234.03 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $61.70 HUD 01/06/2006 To Borrower $57,295.48 $57,295.48 Yes Taxes and Insurance $272.19 No                   6.480%   $486,354.71 $323,642.30 XX/XX/XXXX   N/A N/A   H-9 12/31/2005 N/A 01/05/2006 12/23/2005 12/23/2005       Yes No Pass Fail ($23,765.05) $565.50 $25,908.74 Pass 8.000% Pass No N/A $565.50 $19,431.55 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/06/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval indicates an index of 3.6% was used but the lowest index in the look back is 3.24%.          
203393045 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   Wachovia Mortgage, FSB 75.368% 75.368% 1 In Arrears 02/12/2008     605 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $475,000.00 Stated   Negative Amortization $358,000.00 6.200% Monthly XX/XX/XXXX 04/15/2008 03/15/2038 360 360 No $1,657.96 Yes 03/15/2011 05/15/2018 04/15/2009 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.790% 2.500% 5.750% 3.700% 0.000% 0.000% 5.750% 3.700% 11.950% 2.500% 11.950% 2.500% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $82.90 HUD   To Borrower $10,287.71 $10,287.71 Yes No Escrows $0.00 No                   7.088%   $550,767.73 $535,024.20 XX/XX/XXXX   N/A N/A   H-9 03/12/2008 N/A 03/17/2008           Yes No Pass Fail ($3,938.06) $4,157.70 $28,307.38 Pass 8.000% Pass No N/A $4,157.70 $21,230.53 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/18/2008     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 4.74%. The closest Index available in our look-back period is 4.79%. ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***Disbursement Date Missing          
203393054 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 75.867% 75.867% 1 In Arrears 11/20/2007 54.379%   619 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1948 $750,000.00 2055 w/ Interior 11/26/2007 Negative Amortization $569,000.00 6.990% Monthly XX/XX/XXXX 02/15/2008 01/15/2038 360 360 No $2,523.41 Yes 01/15/2011 05/15/2018 02/15/2009 02/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 2.400% 4.960% 4.590% 0.000% 0.000% 4.960% 4.590% 11.950% 2.400% 11.950% 2.400% No   36 2% Yes 125.000% Percent 5.000% 15   $126.17 HUD 12/27/2007 From Borrower $2,225.00   Yes Taxes $2,661.90 No                   7.238%   $945,793.65 $564,876.34 XX/XX/XXXX   N/A N/A   H-9 12/14/2007 N/A 12/19/2007 11/30/2007 11/30/2007       Yes No Pass Pass $9,954.03 $1,006.25 $45,273.86 Pass 8.000% Pass No N/A $1,006.25 $33,955.39 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/27/2007     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393070 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/26/2006 38.015%   573 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1985 $315,000.00 1073/465 11/09/2006 Negative Amortization $252,000.00 7.447% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $931.45 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.550% 4.503% 4.897% 0.000% 0.000% 4.503% 4.897% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $46.57 HUD 11/29/2006 To Borrower $19,934.22 $19,934.22 No No Escrows $0.00 No                   7.666%   $502,764.05 $244,134.16 XX/XX/XXXX   N/A N/A   H-8 11/18/2006 N/A 11/24/2006 11/14/2006 11/14/2006       Yes No Pass Fail ($11,970.91) $6,502.00 $19,569.92 Pass 8.000% Pass No N/A $6,502.00 $14,677.44 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/18/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 4.99667% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393075 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 04/16/2006 27.132%   547 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1989 $305,000.00 1004/70 05/09/2006 Negative Amortization $213,500.00 7.010% Biweekly XX/XX/XXXX 06/26/2006 06/12/2036 361 361 No $391.91 Yes 07/10/2006 05/10/2018 06/26/2007 06/26/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.450% 4.940% 3.560% 0.000% 0.000% 4.940% 3.560% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 3.000% 15   $11.76 HUD 05/22/2006 To Borrower $59,324.59 $59,737.66 No Taxes and Insurance $150.07 No                   7.257%   $295,087.32 $207,066.98 XX/XX/XXXX   N/A N/A   H-8 05/16/2006 N/A 05/20/2006           Yes No Pass Fail ($52,449.88) $5,449.50 $16,574.95 Pass 8.000% Pass No N/A $9,649.50 $10,675.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/16/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $295087.32 is underdisclosed from calculated Finance Charge of $309924.39 in the amount of $14837.07. Approval indicates the lender used a lower index value than permitted in the lookback period. Truth In Lending Act: Final TIL APR of 7.257% is underdisclosed from calculated APR of 7.482% in the amount of -0.225%. Approval indicates the lender used a lower index value than permitted in the lookback period. ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203393100 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 63.441% 63.441% 1 In Arrears 09/15/2006 54.061%   611 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1955 $465,000.00 1004/70 09/29/2006 Negative Amortization $295,000.00 7.247% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,090.38 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.350% 4.703% 4.897% 0.000% 0.000% 4.703% 4.897% 11.950% 2.350% 11.950% 2.350% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.52 HUD 11/06/2006 To Borrower $2,085.66 $2,085.66 Yes Taxes and Insurance $365.60 No                   7.247%   $551,355.15 $294,297.16 XX/XX/XXXX   N/A N/A   H-9 11/01/2006 N/A 11/06/2006           Yes No Pass Pass $150.71 $25.00 $23,555.82 Pass 8.000% Pass No N/A $7,400.00 $13,273.87 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/01/2006     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Status          
203393149 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 78.654% 78.654% 1 In Arrears 12/06/2005     666 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1909 $260,000.00 1004/70 12/22/2005 Negative Amortization $204,500.00 6.540% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $797.44 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.240% 3.400% 5.410% 3.140% 0.000% 0.000% 5.410% 3.140% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $39.87 HUD 01/11/2006 To Borrower $50,305.47 $50,305.47 No No Escrows $0.00 No                   6.677%   $310,271.55 $201,054.44 XX/XX/XXXX   N/A N/A   H-8 01/06/2006 N/A 01/11/2006 12/16/2005 12/16/2005       Yes No Pass Fail ($8,223.79) $3,454.00 $16,071.95 Pass 8.000% Pass No N/A $7,474.00 $9,064.03 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/06/2006     2           ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.06%. The closest Index available in our look-back period is 3.24% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***This High Cost loan contains one or more prohibited practice exceptions        
203393154 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB 67.761% 67.761% 1 In Arrears 10/26/2007       Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1978 $335,000.00 1004/70 04/20/2006 Negative Amortization $227,000.00 7.330% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $833.38 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.450% 4.620% 4.880% 0.000% 0.000% 4.620% 4.880% 11.950% 2.450% 11.950% 2.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.67 HUD 11/08/2007 To Borrower $290.89 $290.89 Yes No Escrows $0.00 No                   7.373%   $435,975.58 $225,432.78 XX/XX/XXXX   N/A N/A   H-9 11/03/2007 N/A 11/08/2007           Yes No Pass Fail ($1,952.77) $1,152.50 $18,042.26 Pass 8.000% Pass No N/A $1,152.50 $13,531.70 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/03/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.88%. The lowest Index available within the look-back period is 4.9%. ***FACTA Disclosure Missing          
203393158 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 07/10/2005     706 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1967 $300,000.00 1004/70 05/26/2005 Negative Amortization $240,000.00 6.100% Monthly XX/XX/XXXX 10/15/2005 09/15/2035 360 360 No $828.29 Yes 10/15/2005 05/15/2018 10/15/2006 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.780% 3.400% 5.850% 2.700% 0.000% 0.000% 5.850% 2.700% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.41 HUD 08/15/2005 To Borrower $1,219.93 $29,671.93 No No Escrows $0.00 No                   6.222%   $347,133.10 $235,129.70 XX/XX/XXXX   N/A N/A   H-8 08/10/2005 N/A 08/15/2005           Yes No Pass Fail ($7,563.17) $3,814.50 $18,795.36 Pass 8.000% Pass No N/A $3,814.50 $16,445.94 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/10/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393162 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.126% 71.126% 1 In Arrears 05/27/2003     636 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1983 $222,000.00 2055 w/ Interior 05/21/2003 Negative Amortization $157,900.00 5.133% Biweekly XX/XX/XXXX 07/28/2003 07/14/2033 361 361 No $289.85 Yes 08/11/2003 05/11/2018 07/26/2004 07/26/2018 1 12 CODI Most recent index available 0.001 Nearest 1.483% 3.650% 6.817% 1.483% 0.000% 0.000% 6.817% 1.483% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $14.49 HUD 07/02/2003 To Borrower $73.55 $73.55 No Taxes and Insurance $1,077.52 No                   5.207%   $136,812.90 $156,369.76 XX/XX/XXXX   N/A N/A   H-8 06/27/2003 N/A 07/02/2003           Yes No Pass Fail ($8,230.42) $1,280.85 $12,508.22 Pass 8.000% Pass No N/A $1,280.85 $10,944.69 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/27/2003     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393163 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 50.633% 50.633% 1 In Arrears 06/13/2005     633 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $434,500.00 Stated   Negative Amortization $220,000.00 5.740% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $807.68 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 2.950% 6.210% 2.790% 0.000% 0.000% 6.210% 2.790% 11.950% 2.950% 11.950% 2.950% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.38 HUD 07/18/2005 To Borrower $6,609.68 $52,037.58 Yes No Escrows $0.00 No                   5.533%   $255,572.22 $218,168.12 XX/XX/XXXX   N/A N/A   H-9 07/08/2005 N/A 07/13/2005 05/17/2005 05/17/2005       Yes No Pass Fail ($13,172.73) $1,730.50 $17,461.56 Pass 8.000% Pass No N/A $1,730.50 $13,096.17 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/14/2005     2 ***Missing Valuation:: Appraisal not provided         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393175 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 04/13/2006 44.000%   610 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CT XXXXXXX XXXXXXX $440,000.00 1990 $440,000.00 1004/70 04/05/2006 Negative Amortization $352,000.00 6.910% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $1,409.20 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.450% 5.040% 3.460% 0.000% 0.000% 5.040% 3.460% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $70.46 HUD 04/25/2006 From Borrower $96,516.52   N/A Taxes $2,327.38 No                   6.929%   $575,841.59 $349,860.20 XX/XX/XXXX   N/A N/A       N/A 05/01/2006           Yes N/A Pass Fail ($31,185.95) $1,377.00 $27,957.87 N/A 8.000% N/A N/A N/A $0.00 $0.00 N/A 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/25/2006     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%.          
203393182 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 62.456% 62.456% 1 In Arrears 05/09/2005     608 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1975 $285,000.00 2055 w/ Interior 05/23/2005 Negative Amortization $178,000.00 5.790% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $653.49 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.610% 3.400% 6.160% 2.390% 0.000% 0.000% 6.160% 2.390% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $32.67 HUD 06/14/2005 To Borrower $9,946.64 $33,180.64 No Taxes and Insurance $0.04 No                   5.937%   $228,732.87 $173,990.80 XX/XX/XXXX   N/A N/A   H-8 06/06/2005 N/A 06/10/2005           Yes No Pass Fail ($14,479.17) $3,318.85 $13,895.42 Pass 8.000% Pass No N/A $6,878.85 $10,421.56 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/14/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393194 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank 46.914% 46.914% 1 In Arrears 06/12/2004     612 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1991 $405,000.00 2055 w/ Interior 06/25/2004 Negative Amortization $190,000.00 4.733% Monthly XX/XX/XXXX 08/15/2004 07/15/2034 360 360 No $697.64 Yes 08/15/2004 05/15/2018 08/15/2005 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.118% 3.650% 7.217% 1.083% 0.000% 0.000% 7.217% 1.083% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $34.88 HUD 07/15/2004 To Borrower $31,794.32 $31,794.32 No Taxes and Insurance $332.35 No                   4.804%   $178,941.56 $188,188.16 XX/XX/XXXX   N/A N/A   H-8 07/09/2004 N/A 07/14/2004 06/09/2004 06/09/2004       Yes No Pass Fail ($1,329.78) $1,373.00 $15,090.16 Pass 8.000% Pass No N/A $5,173.00 $11,317.62 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/09/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval indicates the Index used was 1.083%. The closest Index in our look-back period is 1.11833%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393219 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 06/13/2006 38.000%   610 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1939 $465,000.00 1004/70 06/16/2006 Negative Amortization $372,000.00 7.060% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $1,393.67 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $69.68 HUD 06/30/2006 To Borrower $5,405.11 $17,663.11 No No Escrows $0.00 No                   7.224%   $665,339.17 $363,310.45 XX/XX/XXXX   N/A N/A   H-8 06/26/2006 N/A 06/30/2006 05/16/2006 05/16/2006       Yes No Pass Fail ($47,895.91) $6,850.00 $29,125.66 Pass 8.000% Pass No N/A $6,850.00 $21,844.24 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/30/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.94%. ***TIL APR Tolerance Irregular Transaction: Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.94%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203393223 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI Stated   World Savings Bank, FSB 62.128% 62.128% 1 In Arrears 05/07/2005 44.941%   664 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1954 $390,000.00 1004/70 02/05/2005 Negative Amortization $242,300.00 5.190% Monthly XX/XX/XXXX 07/15/2005 06/15/2035 360 360 No $889.55 Yes 07/15/2005 05/15/2018 07/15/2006 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.610% 2.800% 6.760% 2.390% 0.000% 0.000% 6.760% 2.390% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $44.48 HUD 06/14/2005 To Borrower $101,238.61 $101,238.61 No No Escrows $0.00 No                   5.375%   $263,383.24 $236,874.05 XX/XX/XXXX   N/A N/A   H-8 06/06/2005 N/A 06/11/2005           Yes No Pass Fail ($16,964.98) $5,983.35 $18,900.12 Pass 8.000% Pass No N/A $5,983.35 $14,175.09 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/13/2005     2 ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393228 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 68.400% 68.400% 1 In Arrears 12/26/2005     637 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1974 $500,000.00 1004/70 01/12/2005 Negative Amortization $342,000.00 6.590% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,333.59 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.450% 5.360% 3.140% 0.000% 0.000% 5.360% 3.140% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $40.01 HUD 01/31/2006 From Borrower $3,396.56 $20,610.44 No No Escrows $0.00 No                   6.789%   $529,060.15 $333,106.75 XX/XX/XXXX   N/A N/A   H-8 01/26/2006 N/A 01/31/2006           Yes No Pass Fail ($31,946.61) $8,469.37 $26,608.35 Pass 8.000% Pass No N/A $15,239.37 $17,100.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/26/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: It appears underdisclosure is due to the index used; lowest lookback available 3.36% vs 3.140% as shown on approval in file. ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203393244 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 12/17/2005 28.092%   686 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1972 $168,000.00 1073/465 12/02/2005 Negative Amortization $126,000.00 6.590% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $472.05 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.450% 5.360% 3.140% 0.000% 0.000% 5.360% 3.140% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $23.60 HUD 01/23/2006 To Borrower $28,081.76 $28,081.76 No No Escrows $0.00 No                   6.781%   $199,766.70 $122,599.75 XX/XX/XXXX   N/A N/A   H-8 01/17/2006 N/A 01/21/2006 12/27/2005 12/27/2006       Yes No Pass Fail ($11,432.89) $2,630.00 $9,827.74 Pass 8.000% Pass No N/A $2,630.00 $9,827.74 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/17/2006     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393253 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 65.000% 65.000% 1 In Arrears 12/13/2005       Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1987 $200,000.00 1004/70 12/21/2005 Negative Amortization $130,000.00 6.510% Biweekly XX/XX/XXXX 02/06/2006 01/23/2036 360 360 No $232.21 Yes 02/20/2006 05/20/2018 02/05/2007 02/05/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.450% 5.440% 3.060% 0.000% 0.000% 5.440% 3.060% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $11.61 HUD 01/05/2006 To Borrower $27,217.19 $27,217.19 No Taxes and Insurance $309.88 No                   6.790%   $163,688.19 $125,690.50 XX/XX/XXXX   N/A N/A   H-8 12/30/2005 N/A 01/04/2006 12/27/2005 12/27/2005       Yes No Pass Fail ($24,455.87) $3,769.00 $10,065.00 Pass 8.000% Pass No N/A $3,769.00 $10,065.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/30/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Federal FACTA Disclosure Timing Test ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203393254 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 10/04/2005 41.681%   634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1980 $212,000.00 2055 w/ Interior 10/26/2005 Negative Amortization $159,000.00 6.290% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $583.73 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.400% 5.660% 2.890% 0.000% 0.000% 5.660% 2.890% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $29.19 HUD 11/09/2005 To Borrower $12,162.67 $69,554.16 No Taxes $0.00 No                   6.413%   $233,517.07 $156,478.85 XX/XX/XXXX   N/A N/A   H-8 11/04/2005 N/A 11/09/2005           Yes No Pass Fail ($10,089.45) $1,580.00 $12,580.44 Pass 8.000% Pass No N/A $1,580.00 $12,580.44 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/04/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203393279 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Investment Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 11/07/2007 46.000%   791 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX     $200,000.00 Stated   Fixed Rate $150,000.00 7.600% Monthly XX/XX/XXXX 02/01/2008 01/01/2038 360 360 No $648.71 No     02/01/2009 02/01/2019   12                                 No       Yes 125.000% Percent 6.000% 10   $38.92 HUD 12/13/2007 To Borrower $0.00 $23,000.00 Yes Taxes and Insurance $461.44 No                           XX/XX/XXXX   N/A N/A       N/A 12/13/2007 12/06/2007 12/06/2007       No N/A     $0.00 $4,005.50 $11,632.09 N/A 8.000% N/A N/A N/A $4,005.50 $11,632.09 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/08/2007     1 ***Missing Valuation:: Appraisal not provided                    
203393284 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 78.431% 78.431% 1 In Arrears 11/19/2006     783 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   2000 $255,000.00 1004/70 11/29/2006 Negative Amortization $200,000.00 7.697% Monthly XX/XX/XXXX 02/15/2007 01/15/2037 360 360 No $690.25 Yes 02/15/2007 05/15/2018 02/15/2008 02/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.700% 4.253% 4.997% 0.000% 0.000% 4.253% 4.997% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $34.51 HUD 12/22/2006 To Borrower $15,527.55 $15,527.55 No No Escrows $0.00 No                   7.745%   $407,946.74 $197,772.75 XX/XX/XXXX   N/A N/A   H-8 12/18/2006 N/A 12/22/2006           Yes No Pass Fail ($4,454.21) $951.60 $15,842.88 Pass 8.000% Pass No N/A $951.60 $15,842.88 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/18/2006     2           ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 4.997%. The lowest Index available within the look-back period is 5.08083%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Status          
203393305 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, A Federal Savings Bank 78.222% 78.222% 1 In Arrears 08/18/2007 42.253%   658 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX     $135,000.00 Stated   Negative Amortization $105,600.00 7.450% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $431.11 Yes 10/15/2010 05/15/2018 11/15/2008 11/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.880% 2.500% 4.500% 4.950% 0.000% 0.000% 4.500% 4.950% 11.950% 2.500% 11.950% 2.500% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $21.56 HUD 09/24/2007 From Borrower $32,907.95   No Taxes and Insurance $2,340.15 No                   7.623%   $196,708.77 $102,589.45 XX/XX/XXXX   N/A N/A   H-8 09/18/2007 N/A 09/22/2007 08/14/2007 08/14/2007       Yes No Pass Pass $749.66 $2,558.00 $8,207.15 Pass 8.000% Pass No N/A $2,658.00 $8,207.15 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 09/18/2007     2 ***Missing Valuation:: Appraisal not provided.         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203393336 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.756% 80.756% 1 In Arrears 01/23/2006 27.597%   509 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   2002 $225,000.00 1004/70 02/08/2006 Negative Amortization $181,700.00 6.690% Monthly XX/XX/XXXX 04/15/2006 03/15/2036 360 360 No $708.53 Yes 04/15/2006 05/15/2018 04/15/2007 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.450% 5.260% 3.240% 0.000% 0.000% 5.260% 3.240% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $35.43 HUD 02/28/2006 From Borrower $143.34   No No Escrows $0.00 No                   6.742%   $285,555.25 $180,073.50 XX/XX/XXXX   N/A N/A   H-8 02/23/2006 N/A 02/28/2006 01/31/2006 01/31/2006       Yes No Pass Fail ($16,814.98) $892.00 $14,424.76 Pass 8.000% Pass No N/A $893.00 $14,424.76 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 02/23/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.24%. The closest Index available in our look-back period is 3.46%. ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393343 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, A Federal Savings Bank 44.444% 44.444% 1 In Arrears 10/21/2005 51.267%   532 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $360,000.00 1004/70 10/26/2005 Negative Amortization $160,000.00 6.220% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $571.59 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.250% 5.730% 2.970% 0.000% 0.000% 5.730% 2.970% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $28.58 HUD 11/29/2005 To Borrower $25,511.87 $28,923.87 No Taxes and Insurance $289.29 No                   6.422%   $236,076.80 $155,468.06 XX/XX/XXXX   N/A N/A   H-8 11/21/2005 N/A 11/26/2005           Yes No Pass Fail ($10,543.92) $3,978.00 $12,446.85 Pass 8.000% Pass No N/A $5,578.00 $9,335.14 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/30/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14% ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393352 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 69.023% 69.023% 1 In Arrears 03/04/2006     656 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1951 $471,000.00 1004/70 03/23/2006 Negative Amortization $325,100.00 6.860% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,193.53 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.400% 5.090% 3.460% 0.000% 0.000% 5.090% 3.460% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.68 HUD 04/12/2006 To Borrower $0.00 $3,681.08 No Taxes and Insurance $0.00 No                   6.928%   $554,092.06 $321,908.70 XX/XX/XXXX   N/A N/A   H-8 04/04/2006 N/A 04/08/2006           Yes No Pass Fail ($14,013.20) $2,977.50 $25,750.24 Pass 8.000% Pass No N/A $2,977.50 $19,312.68 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/12/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***ARM Disclosure Prior to Closing Timing          
203393358 XXXXXXX XXXXXXX Broker Purchase   Second Home Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 02/28/2006       Fee Simple XXXXXX XXXXXX                         PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX $445,900.00 1993 $445,900.00 1004/70 03/17/2006 Negative Amortization $312,130.00 6.510% Biweekly XX/XX/XXXX 05/01/2006 04/17/2036 360 360 No $572.96 Yes 05/15/2006 05/15/2018 04/30/2007 04/30/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.150% 5.440% 3.360% 0.000% 0.000% 5.440% 3.360% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $28.65 HUD 03/30/2006 From Borrower $144,987.36   N/A Taxes and Insurance $411.18 No                   6.644%   $382,086.45 $306,657.26 XX/XX/XXXX   N/A N/A       N/A 04/04/2006           No N/A Pass Fail ($59,502.75) $4,085.48 $24,571.18 N/A 8.000% N/A N/A N/A $4,085.48 $24,571.18 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/30/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $382,086.45 is underdisclosed from calculated Finance Charge of $384,084.92 in the amount of $1,998.47. Truth In Lending Act: Final TIL APR of 6.644% is underdisclosed from calculated APR of 6.842% in the amount of 0.1978%. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period. ***Disparity in Occupancy: Loan passes High Cost testing when tested as a primary residence ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393399 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   Wachovia Mortgage Company 61.062% 61.062% 1 In Arrears 12/17/2007 56.660%   598 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1927 $565,000.00 1004/70 01/10/2008 Negative Amortization $345,000.00 7.850% Monthly XX/XX/XXXX 03/15/2008 02/15/2038 360 360 No $1,501.47 Yes 03/15/2008 05/15/2018 03/15/2009 03/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.740% 3.000% 4.100% 4.850% 0.000% 0.000% 4.100% 4.850% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% None         HUD   To Borrower $15,045.17 $15,045.17 Yes Taxes and Insurance $2,461.23 No                   8.017%   $685,540.94 $336,747.20 XX/XX/XXXX   N/A N/A   H-9 01/17/2008 N/A 01/23/2008           Yes No Pass Pass $20,040.23 $6,647.00 $27,044.49 Pass 8.000% Pass No N/A $6,647.00 $20,283.37 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/25/2008     2           ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing          
203393426 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 80.923% 80.923% 1 In Arrears 11/18/2006 36.286%   652 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1985 $780,000.00 1004/70 11/06/2006 Negative Amortization $631,200.00 7.297% Monthly XX/XX/XXXX 02/15/2007 01/15/2037 360 360 No $2,178.40 Yes 02/15/2007 05/15/2018 02/15/2008 02/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.400% 4.653% 4.897% 0.000% 0.000% 4.653% 4.897% 11.950% 2.400% 11.950% 2.400% No   12 2% Yes 125.000% Percent 5.000% 15   $108.92 HUD 12/27/2006 To Borrower $37,867.05 $37,867.05 No Taxes and Insurance $410.10 No                   7.338%   $1,243,860.41 $624,617.06 XX/XX/XXXX   N/A N/A   H-8 12/18/2006 N/A 12/22/2006           Yes No Pass Fail ($11,995.08) $1,977.00 $50,135.93 Pass 8.000% Pass No N/A $1,977.00 $37,601.95 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/27/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 4.897%. The closest index available in our look-back period is 5.08083%. ***ARM Disclosure Prior to Closing Timing ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393430 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 52.500% 52.500% 1 In Arrears 11/10/2005 38.152%   512 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1979 $1,200,000.00 2055 w/ Interior 11/22/2005 Negative Amortization $630,000.00 6.460% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $2,392.12 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $119.61 HUD 12/13/2005 To Borrower $20,758.60 $20,758.60 No No Escrows $0.00 No                   6.583%   $952,887.10 $617,261.50 XX/XX/XXXX   N/A N/A   H-8 12/08/2005 N/A 12/13/2005           Yes No Pass Fail ($20,066.28) $8,950.00 $49,389.64 Pass 8.000% Pass No N/A $21,561.90 $37,042.23 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/07/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Final TIL Not Provided to Borrower At or Before Consummation ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393475 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   Wachovia Mortgage, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 01/28/2008     694 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1983 $560,000.00 1073/465 02/06/2008 Negative Amortization $448,000.00 7.090% Biweekly XX/XX/XXXX 03/17/2008 03/03/2038 361 361 No $885.08 Yes 03/31/2008 05/28/2018 03/16/2009 03/16/2019 1 12 W-COSI Most recent index available 0.000 None 4.740% 2.300% 4.860% 4.790% 0.000% 0.000% 4.860% 4.790% 11.950% 2.300% 11.950% 2.300% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.25 HUD 02/22/2008 To Borrower $21,624.52 $21,624.52 Yes No Escrows $0.00 No                   7.123%   $591,629.22 $445,425.38 XX/XX/XXXX   N/A N/A   H-9 02/15/2008 N/A 02/21/2008 01/16/2008 01/16/2008       Yes No Pass Fail ($62,164.76) $1,738.05 $35,624.75 Pass 8.000% Pass No N/A $1,738.05 $26,718.56 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/22/2008     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Status ***ARM Disclosure Status          
203393476 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Fastrack   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 55.556% 55.556% 1 In Arrears 09/13/2005     742 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1912 $300,000.00 2055 w/ Interior 09/17/2001 Negative Amortization $300,000.00 5.630% Monthly XX/XX/XXXX 12/01/2005 11/01/2035 360 360 No $1,101.38 Yes 12/01/2005 05/01/2018 12/01/2006 12/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 2.850% 6.320% 2.780% 0.000% 0.000% 6.320% 2.780% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $55.07 HUD 10/25/2005 To Borrower $97,825.64 $97,825.64 Yes No Escrows $0.00 No                   5.656%   $363,546.51 $298,424.99 XX/XX/XXXX   N/A N/A   H-9 10/18/2005 N/A 10/22/2005           Yes No Pass Fail ($19,497.46) $1,013.75 $23,889.28 Pass 8.000% Pass No N/A $1,013.75 $17,916.96 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/25/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393496 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 12/04/2004 42.000%   701 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1958 $370,000.00 1004/70 10/21/2004 Negative Amortization $296,000.00 5.101% Monthly XX/XX/XXXX 03/01/2005 02/01/2035 360 360 No $1,086.69 Yes 03/01/2005 05/01/2018 03/01/2006 03/01/2019 1 12 CODI Most recent index available 0.001 Nearest 1.563% 3.650% 6.849% 1.451% 0.000% 0.000% 6.849% 1.451% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.33 HUD 01/11/2005 To Borrower $1,702.31 $1,702.31 No No Escrows $0.00 No                   5.136%   $309,458.83 $293,798.86 XX/XX/XXXX   N/A N/A   H-8 01/04/2005 N/A 01/08/2005           Yes No Pass Fail ($10,313.17) $1,877.30 $23,457.58 Pass 8.000% Pass No N/A $7,797.30 $17,593.19 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 01/11/2005     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***CHARM Booklet Disclosure Timing ***Final TIL Finance Charge Under Disclosed: The approval indicates the index used to calculate the payment streams is 1.451%. The lowest index available in the look back period is 1.56333%. ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***FACTA Disclosure Missing          
203393503 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Fastrack   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 06/25/2006     700 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1979 $265,000.00 1004/70 07/17/2006 Negative Amortization $212,000.00 7.190% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $731.66 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.400% 4.760% 3.790% 0.000% 0.000% 4.760% 3.790% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% None         HUD 07/31/2006 To Borrower $92,263.03 $92,263.03 No Taxes and Insurance $144.76 No                   7.411%   $410,625.28 $205,790.40 XX/XX/XXXX   N/A N/A   H-8 07/25/2006 N/A 07/29/2006           Yes No Pass Fail ($17,166.73) $5,623.00 $16,460.04 Pass 8.000% Pass No N/A $5,623.00 $12,345.03 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/24/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates Index used was 3.79. The closest Index available in our look-back period is 4.11%. ***TIL APR Tolerance Irregular Transaction: Approval indicates Index used was 3.79. The closest Index available in our look-back period is 4.11%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393516 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 70.019% 70.019% 1 In Arrears 08/22/2007 43.198%   670 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1963 $537,000.00 1004/70 09/05/2007 Negative Amortization $376,000.00 7.750% Monthly XX/XX/XXXX 11/01/2007 10/01/2037 360 360 No $1,380.39 Yes 11/01/2007 05/01/2018 11/01/2008 11/01/2018 1 12 W-COSI Most recent index available 0.000 None 4.880% 2.850% 4.200% 4.900% 0.000% 0.000% 4.200% 4.900% 11.950% 2.850% 11.950% 2.850% No   12 2% Yes 125.000% Percent 5.000% 15   $69.02 HUD 09/27/2007 To Borrower $5,875.35 $5,875.35 No No Escrows $0.00 No                   7.795%   $780,582.43 $373,483.84 XX/XX/XXXX   N/A N/A   H-8 09/22/2007 N/A 09/27/2007 09/06/2007 09/06/2007       Yes No Pass Pass $1,406.78 $1,761.97 $29,913.49 Pass 8.000% Pass No N/A $1,761.97 $22,435.12 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/28/2007     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203393522 XXXXXXX XXXXXXX Retail Refinance Cash-out - Home Improvement Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 48.214% 48.214% 1 In Arrears 09/24/2005     661 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $560,000.00 Stated   Negative Amortization $270,000.00 5.740% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $991.24 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 2.850% 6.210% 2.890% 0.000% 0.000% 6.210% 2.890% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $49.56 HUD 10/19/2005 To Borrower $21,500.47 $21,500.47 Yes Taxes and Insurance $144.32 No                   5.770%   $338,349.44 $267,761.16 XX/XX/XXXX   N/A N/A   H-9 10/14/2005 N/A 10/19/2005 09/22/2005 09/22/2005       Yes No Pass Fail ($7,602.98) $1,257.50 $21,407.68 Pass 8.000% Pass No N/A $1,257.50 $16,055.76 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/14/2005     2 ***Missing Valuation:: Appraisal not provided. ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393525 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 65.505% 65.505% 1 In Arrears 03/28/2007 39.155%   535 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $545,000.00 Stated   Negative Amortization $357,000.00 7.300% Monthly XX/XX/XXXX 05/15/2007 04/15/2037 360 360 No $1,232.08 Yes 05/15/2007 05/15/2018 05/15/2008 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.770% 2.550% 4.650% 4.750% 0.000% 0.000% 4.650% 4.750% 11.950% 2.550% 11.950% 2.550% No   36 2% Yes 125.000% Percent 5.000% 15   $61.60 HUD 04/09/2007 To Borrower $10,575.68 $14,229.68 Yes Taxes $0.00 No                   7.300%   $700,746.61 $356,571.60 XX/XX/XXXX   N/A N/A   H-9 04/04/2007 N/A 04/09/2007           Yes No Pass Fail ($2,461.38) $0.00 $28,525.72 Pass 8.000% Pass No N/A $0.00 $21,394.29 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/04/2007     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***FACTA Disclosure Missing          
203393535 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 69.954% 69.954% 1 In Arrears 01/21/2005     629 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1965 $436,000.00 2055 w/ Interior 02/01/2005 Negative Amortization $305,000.00 4.813% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $1,119.73 Yes 04/15/2005 05/15/2018 04/15/2006 04/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.693% 3.250% 7.137% 1.563% 0.000% 0.000% 7.137% 1.563% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $55.99 HUD 03/02/2005 To Borrower $27,641.92 $27,641.92 No No Escrows $0.00 No                   4.838%   $292,643.47 $303,442.00 XX/XX/XXXX   N/A N/A   H-8 02/24/2005 N/A 03/01/2005 02/18/2005 02/18/2005       Yes No Pass Fail ($11,552.75) $1,433.70 $24,240.25 Pass 8.000% Pass No N/A $1,433.70 $18,180.19 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/02/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 1.563%. The closest index available in our look-back period is 1.6925%. ***ARM Disclosure Timing          
203393541 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 59.783% 59.783% 1 In Arrears 11/19/2005     639 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1957 $460,000.00 1004/70 12/13/2005 Negative Amortization $275,000.00 6.310% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $969.01 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.250% 5.640% 3.060% 0.000% 0.000% 5.640% 3.060% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $48.45 HUD 12/23/2005 To Borrower $64,289.15 $68,705.15 No Taxes and Insurance $592.43 No                   6.548%   $420,187.72 $265,903.58 XX/XX/XXXX   N/A N/A   H-8 12/19/2005 N/A 12/23/2005           Yes No Pass Fail ($20,229.28) $7,717.50 $21,295.12 Pass 8.000% Pass No N/A $10,467.50 $15,971.34 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/06/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.06%.The closest Index available in our look-back period is 3.24%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Status ***Federal FACTA Disclosure Timing Test          
203393543 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 62.308% 62.308% 1 In Arrears 01/02/2006       Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1984 $130,000.00 1004/70 01/05/2006 Misc. ARM $81,000.00 5.750% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $472.70 Yes 08/15/2006 08/15/2018 09/15/2006 09/15/2018 6 6 CODI 45 days 0.001 Nearest 3.512% 3.450% 1.000% 1.000% 1.000% 1.000% 6.500% 2.300% 6.750% 4.750% 12.250% 3.450% N/A       No   Percent 5.000% 15   $23.64 HUD 02/07/2006 To Borrower $14,874.75 $14,874.75 Yes No Escrows $0.00 No                   6.842%   $109,375.46 $80,057.24 XX/XX/XXXX   N/A N/A   H-9 02/02/2006 N/A 02/07/2006 12/09/2005 12/09/2005       Yes No Pass Fail ($3,039.93) $805.00 $6,407.43 Pass 8.000% Pass No N/A $806.00 $6,407.43 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 02/02/2006     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***Final TIL Finance Charge Under Disclosed: Under disclosure due to lender used index of 3.345%, index available in look back is 3.51167%. Fees were verified to itemization of amount financed. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203393553 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 03/23/2004     563 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX $95,000.00 1993 $95,000.00 2055 w/ Interior 04/19/2004 Negative Amortization $76,000.00 4.798% Monthly XX/XX/XXXX 06/15/2004 05/15/2034 360 360 No $279.02 Yes 06/15/2004 05/15/2018 06/15/2005 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.098% 3.700% 7.152% 1.098% 0.000% 0.000% 7.152% 1.098% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $13.95 HUD 04/24/2004 From Borrower $23,613.10   N/A Taxes and Insurance $777.66 No                   5.091%   $75,114.79 $73,094.23 XX/XX/XXXX   N/A N/A       N/A 04/29/2004           Yes N/A Pass Pass $205.07 $2,805.00 $5,838.01 N/A 8.000% N/A N/A N/A $2,806.00 $5,838.01 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 04/22/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203393555 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 67.143% 67.143% 1 In Arrears 03/02/2006     709 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1926 $210,000.00 1004/70 03/14/2006 Negative Amortization $141,000.00 6.810% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $517.65 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.450% 5.140% 3.360% 0.000% 0.000% 5.140% 3.360% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $25.88 HUD 04/03/2006 To Borrower $49,500.80 $50,015.54 No Taxes and Insurance $157.19 No                   7.055%   $240,331.43 $136,463.35 XX/XX/XXXX   N/A N/A   H-8 03/27/2006 N/A 03/31/2006 03/03/2006 03/03/2006       Yes No Pass Fail ($12,348.36) $3,992.70 $10,935.32 Pass 8.000% Pass No N/A $3,992.70 $8,201.49 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/27/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: An approval in the file indicates that the lender used an index of 3.36%. The closest index in our look-back period is 3.56%. This has resulted in a payment variance of $12,626.59. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393572 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.346% 91.336% 1 In Arrears 11/10/2006     670 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1997 $260,000.00 1004/70 11/17/2006 Negative Amortization $185,500.00 7.597% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $694.96 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.600% 4.353% 4.997% 0.000% 0.000% 4.353% 4.997% 11.950% 2.600% 11.950% 2.600% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $34.75 HUD 12/15/2006 To Borrower $2,446.39 $44,473.82 No Taxes and Insurance $490.53 No                   7.831%   $380,983.64 $179,976.51 XX/XX/XXXX   N/A N/A   H-8 12/09/2006 N/A 12/14/2006           Yes No Pass Fail ($7,659.01) $5,671.00 $14,386.32 Pass 8.000% Pass No N/A $5,671.00 $10,789.74 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/18/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Closing Instructions indicate index value used is 4.997%. Closest index available in the look back period is 5.08083%. ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203393584 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 07/14/2004 39.000%   687 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX NV XXXXXXX XXXXXXX $306,600.00 1998 $310,000.00 2055 w/ Interior 07/20/2004 Negative Amortization $245,280.00 4.268% Monthly XX/XX/XXXX 09/15/2004 08/15/2034 360 360 No $846.52 Yes 09/15/2004 05/15/2018 09/15/2005 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.118% 3.150% 7.682% 1.118% 0.000% 0.000% 7.682% 1.118% 11.950% 3.150% 11.950% 3.150% No       Yes 125.000% Percent 5.000% 15   $42.33 HUD 07/30/2004 From Borrower $62,048.13   N/A No Escrows $0.00 No                   4.426%   $207,607.36 $239,952.24 XX/XX/XXXX   N/A N/A       N/A 08/02/2004           No N/A Pass Fail ($378.44) $5,593.20 $19,135.93 N/A 8.000% N/A N/A N/A $5,593.20 $19,135.93 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/30/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***Final TIL Not Provided to Borrower At or Before Consummation ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203393601 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 07/01/2004     530 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1987 $227,000.00 2055 w/ Interior 07/13/2004 Negative Amortization $170,250.00 5.250% Monthly XX/XX/XXXX 09/15/2004 08/15/2034 360 360 No $625.12 Yes 09/15/2004 05/15/2018 09/15/2005 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.910% 3.400% 6.700% 1.850% 0.000% 0.000% 6.700% 1.850% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $31.26 HUD 08/05/2004 To Borrower $73.50 $12,758.50 No No Escrows $0.00 No                   5.386%   $187,512.13 $167,143.12 XX/XX/XXXX   N/A N/A   H-8 07/28/2004 N/A 08/02/2004           Yes No Pass Fail ($3,423.24) $3,143.35 $13,349.24 Pass 8.000% Pass No N/A $6,548.35 $10,011.93 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/05/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Not Provided to Borrower At or Before Consummation ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 1.85%. The closest Index available in our look-back period is 1.91%. ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393605 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 63.492% 63.492% 1 In Arrears 03/16/2005     602 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $315,000.00 Stated   Negative Amortization $200,000.00 5.590% Monthly XX/XX/XXXX 05/15/2005 04/15/2035 360 360 No $734.25 Yes 05/15/2005 05/15/2018 05/15/2006 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.390% 3.400% 6.360% 2.190% 0.000% 0.000% 6.360% 2.190% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $36.71 HUD 03/30/2005 To Borrower $49,212.86 $49,212.86 No No Escrows $0.00 No                   5.546%   $240,440.44 $198,125.79 XX/XX/XXXX   N/A N/A   H-8 03/25/2005 N/A 03/30/2005           Yes No Pass Fail ($13,739.77) $1,341.50 $15,853.79 Pass 8.000% Pass No N/A $5,341.50 $11,890.34 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/30/2005     2 ***Missing Valuation:: Appraisal not provided. ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 2.19%. The closest Index available in the look back period is 2.39%. ***TIL APR Tolerance Irregular Transaction: Loan Application/Commitment Recap indicates the Index used was 2.19%. The closest Index available in the look back period is 2.39%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203393606 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 09/09/2006     690 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   2003 $210,000.00 1004/70 08/23/2006 Misc. ARM $172,800.00 6.850% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $1,132.29 Yes 04/15/2007 10/15/2018 05/15/2007 05/15/2018 6 6 CODI 45 days 0.001 Nearest 4.640% 3.050% 1.000% 1.000% 1.000% 1.000% 5.400% 3.800% 7.850% 5.850% 12.250% 3.050% N/A       No   Percent 5.000% 15   $56.61 HUD 10/13/2006 To Borrower $14,572.57 $14,572.57 No No Escrows $0.00 No                   7.722%   $270,672.96 $171,478.14 XX/XX/XXXX   N/A N/A   H-8 10/09/2006 N/A 10/13/2006           Yes No Pass Pass $200.00 $1,060.00 $13,734.25 Pass 8.000% Pass No N/A $1,061.00 $13,734.25 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 10/09/2006     3           ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely): Acknowledgment of the Fair Market Value provided on 10/06/2006 was not provided at closing 10/09/2006. ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) ***CHARM Booklet Disclosure Prior to Closing Timing ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Missing Initial Loan Application Test          
203393622 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB 78.803% 78.803% 1 In Arrears 04/13/2004     693 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX OR XXXXXXX XXXXXXX   1958 $178,000.00 1004/70 04/13/2004 Negative Amortization $140,270.00 4.798% Monthly XX/XX/XXXX 07/15/2004 06/15/2034 360 360 No $467.46 Yes 07/15/2004 05/15/2018 07/15/2005 07/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.085% 3.700% 7.152% 1.098% 0.000% 0.000% 7.152% 1.098% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $23.37 HUD 05/18/2004 To Borrower $480.07 $480.07 No No Escrows $0.00 No                   4.956%   $141,702.81 $136,939.24 XX/XX/XXXX   N/A N/A   H-8 05/13/2004 N/A 05/18/2004           Yes No Pass Pass $847.54 $2,665.00 $10,967.09 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/12/2004     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203393638 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 72.000% 72.000% 1 In Arrears 07/18/2006 36.248%   594 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1928 $355,000.00 1004/70 08/02/2006 Negative Amortization $255,600.00 7.390% Monthly XX/XX/XXXX 10/01/2006 09/01/2036 360 360 No $944.75 Yes 10/01/2006 05/01/2018 10/01/2007 10/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.450% 4.560% 3.940% 0.000% 0.000% 4.560% 3.940% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.24 HUD 08/15/2006 To Borrower $26,062.10 $26,062.10 No Taxes and Insurance $750.08 No                   7.650%   $503,625.95 $246,766.25 XX/XX/XXXX   N/A N/A   H-8 08/10/2006 N/A 08/15/2006 08/08/2006 08/08/2006       Yes No Pass Fail ($20,956.30) $7,480.00 $19,779.22 Pass 8.000% Pass No N/A $7,480.00 $14,834.41 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/10/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393666 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 43.000% 43.000% 1 In Arrears 10/27/2005     565 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $400,000.00 Stated   Negative Amortization $172,000.00 6.370% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $653.09 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $32.65 HUD 11/17/2005 To Borrower $24,400.95 $31,385.95 No Taxes and Insurance $189.85 No                   6.550%   $254,884.36 $167,517.96 XX/XX/XXXX   N/A N/A   H-8 11/11/2005 N/A 11/16/2005           Yes No Pass Fail ($6,090.58) $3,524.50 $13,408.39 Pass 8.000% Pass No N/A $6,964.50 $10,056.29 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/10/2005     2 ***Missing Valuation:: Appraisal not provided         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393695 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Second Home Conventional without MI Stated   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 03/07/2006 28.650%   597 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $419,000.00 2055 (Exterior Only) 03/11/2006 Negative Amortization $293,300.00 6.410% Monthly XX/XX/XXXX 07/01/2006 06/01/2036 360 360 No $1,076.78 Yes 07/01/2006 05/01/2018 07/01/2007 07/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 2.850% 5.540% 3.560% 0.000% 0.000% 5.540% 3.560% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $53.84 HUD 05/05/2006 To Borrower $30,310.71 $43,953.78 Yes Taxes and Insurance $1,445.46 No                   6.448%   $443,188.14 $290,532.73 XX/XX/XXXX   N/A N/A       N/A 05/05/2006           No N/A Pass Fail ($12,020.99) $2,055.50 $23,188.29 N/A 8.000% N/A N/A N/A $2,055.50 $17,391.22 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/05/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393699 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Fastrack   World Savings Bank, A Federal Savings Bank 80.000% 80.000% 1 In Arrears 07/28/2005 38.000%   636 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1957 $460,000.00 2055 w/ Interior 08/03/2005 Negative Amortization $368,000.00 5.400% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $2,066.44 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 2.700% 6.550% 2.700% 0.000% 0.000% 6.550% 2.700% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $103.32 HUD 09/20/2005 To Borrower $0.00 $27,165.31 Yes Taxes $877.66 No                   5.431%   $378,555.94 $365,356.50 XX/XX/XXXX   N/A N/A   H-9 09/12/2005 N/A 09/16/2005           Yes No Pass Fail ($15,942.85) $1,285.50 $29,223.92 Pass 8.000% Pass No N/A $1,285.50 $21,917.94 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/20/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203393719 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 56.604% 75.472% 1 In Arrears 08/31/2005     718 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $530,000.00 Stated   Negative Amortization $300,000.00 6.330% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $1,154.41 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.550% 5.620% 2.780% 0.000% 0.000% 5.620% 2.780% 11.950% 3.550% 11.950% 3.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $57.72 HUD 09/26/2005 From Borrower $100,264.97   Yes Taxes $1,619.42 No                   6.372%   $430,628.77 $297,774.08 XX/XX/XXXX   N/A N/A   H-9 09/19/2005 N/A 09/23/2005           Yes No Pass Fail ($23,171.94) $1,800.50 $23,764.38 Pass 8.000% Pass No N/A $10,800.50 $17,823.29 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/26/2005     2 ***Missing Valuation:: Appraisal not provided.         ***ARM Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%. ***CHARM Booklet Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Federal FACTA Disclosure Timing Test          
203393732 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 79.997% 79.997% 1 In Arrears 10/18/2004 38.670%   701 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $482,143.00 2004 $482,500.00 2055 w/ Interior 11/11/2004 Negative Amortization $385,700.00 4.927% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $1,416.00 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.355% 3.650% 7.023% 1.277% 0.000% 0.000% 7.023% 1.277% 11.950% 3.650% 11.950% 3.650% No       Yes 125.000% Percent 5.000% 15   $70.80 HUD 11/23/2004 From Borrower $99,968.73   N/A No Escrows $0.00 No                   4.972%   $382,853.28 $383,554.00 XX/XX/XXXX   N/A N/A       N/A 11/23/2004           No N/A Pass Fail ($16,911.51) $9,217.25 $30,022.82 N/A 8.000% N/A N/A N/A $16,931.25 $22,517.12 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/23/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 1.277%. The closest index available in our look-back period is 1.355%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393742 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 67.292% 67.292% 1 In Arrears 05/03/2004     664 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $480,000.00 Stated   Negative Amortization $323,000.00 4.735% Monthly XX/XX/XXXX 07/15/2004 06/15/2034 360 360 No $1,185.82 Yes 07/15/2004 05/15/2018 07/15/2005 07/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.085% 3.650% 7.215% 1.085% 0.000% 0.000% 7.215% 1.085% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.29 HUD 06/15/2004 To Borrower $178,022.88 $178,022.88 No Taxes $0.00 No                   4.780%   $303,128.85 $321,183.00 XX/XX/XXXX   N/A N/A   H-8 05/27/2004 N/A 06/08/2004           Yes No Pass Pass $113.84 $1,751.00 $25,699.92 Pass 8.000% Pass No N/A $8,211.00 $19,274.94 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/15/2004     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***ARM Disclosure Prior to Closing Timing          
203393812 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 02/08/2005 42.000%   594 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX $82,000.00 1970 $89,000.00 1004/70 02/19/2005 Negative Amortization $65,600.00 5.393% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $240.84 Yes 04/15/2005 05/15/2018 05/15/2005 05/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.836% 3.700% 6.557% 1.693% 0.000% 0.000% 6.557% 1.693% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $12.04 HUD 03/08/2005 From Borrower $17,033.77   N/A No Escrows $0.00 No                   5.717%   $76,635.51 $32,995.48 XX/XX/XXXX   N/A N/A       N/A 03/12/2005           Yes N/A Pass Fail ($2,757.89) $2,371.00 $5,052.89 N/A 8.000% N/A N/A N/A $2,372.00 $5,052.89 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 03/08/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.693%. The closest Index in our look back period is 1.83583%. ***Missing Initial Loan Application Test          
203393831 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 05/14/2004 23.954%   639 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1980 $88,500.00 1004/70 05/05/2004 Negative Amortization $61,950.00 4.885% Monthly XX/XX/XXXX 08/15/2004 07/15/2034 360 360 No $252.91 Yes 08/15/2004 05/15/2018 08/15/2005 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.083% 3.800% 7.365% 1.085% 0.000% 0.000% 7.365% 1.085% 12.250% 3.800% 12.250% 3.800% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $15.17 HUD 06/21/2004 To Borrower $7,727.47 $7,727.47 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 06/18/2004           No N/A     $0.00 $2,340.00 $4,749.56 N/A 8.000% N/A N/A N/A $2,341.00 $4,749.56 N/A 8.000% N/A N/A N/A N/A No N/A Yes Final HUD1 06/16/2004     2 ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test          
203393836 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB 80.000% 90.000% 1 In Arrears 03/01/2006 25.959%   747 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1893 $240,000.00 1004/70 03/17/2006 Negative Amortization $192,000.00 6.960% Biweekly XX/XX/XXXX 05/01/2006 04/17/2036 360 360 No $436.46 Yes 05/15/2006 05/15/2018 04/30/2007 04/30/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.600% 4.990% 3.360% 0.000% 0.000% 4.990% 3.360% 11.950% 3.600% 11.950% 3.600% No   36 2% Yes 125.000% Percent 3.000% 15   $13.09 HUD 03/29/2006 To Borrower $0.00 $641.74 No Taxes and Insurance $855.08 No                   7.049%   $226,123.06 $189,738.93 XX/XX/XXXX   N/A N/A   H-8 03/27/2006 N/A 03/31/2006 02/15/2006 02/15/2006       Yes No Pass Fail ($30,196.77) $1,812.00 $15,206.22 Pass 8.000% Pass No N/A $7,511.00 $9,600.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/24/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203393848 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 01/17/2007 41.209%   578 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1945 $181,000.00 1004/70 01/08/2007 Negative Amortization $144,800.00 7.631% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $535.21 Yes 03/15/2007 05/15/2018 03/15/2008 03/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.153% 2.550% 4.319% 5.081% 0.000% 0.000% 4.319% 5.081% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $26.76 HUD   To Borrower $62,280.28 $62,381.45 No Taxes and Insurance $106.73 No                   7.819%   $301,560.87 $141,022.68 XX/XX/XXXX   N/A N/A   H-8 01/26/2007 N/A 01/31/2007 12/06/2006         Yes No Pass Fail ($1,991.81) $3,089.00 $11,300.55 Pass 8.000% Pass No N/A $3,089.00 $8,475.41 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/01/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 5.081%. The closest Index available in our look-back period is 5.15333%. ***Missing Initial Loan Application Test          
203393854 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 07/20/2004     653 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX $156,000.00   $156,000.00 Stated   Negative Amortization $124,800.00 5.280% Monthly XX/XX/XXXX 10/15/2004 09/15/2034 360 360 No $458.18 Yes 10/15/2004 05/15/2018 10/15/2005 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.940% 3.400% 6.670% 1.880% 0.000% 0.000% 6.670% 1.880% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $22.91 HUD 08/20/2004 From Borrower $35,892.76   N/A No Escrows ($85.47) No                   5.371%   $138,224.95 $122,934.70 XX/XX/XXXX   N/A N/A       N/A 08/25/2004           No N/A Pass Fail ($2,339.12) $1,430.00 $9,836.05 N/A 8.000% N/A N/A N/A $0.00 $8,736.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/20/2004     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.88%. The lowest Index available within the look-back period is 1.94%.          
203393858 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 03/17/2007     657 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1968 $209,000.00 1004/70 03/23/2007 Negative Amortization $167,200.00 7.600% Monthly XX/XX/XXXX 06/15/2007 05/15/2037 360 360 No $537.79 Yes 06/15/2007 05/15/2018 06/15/2008 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.790% 2.850% 4.350% 4.750% 0.000% 0.000% 4.350% 4.750% 11.950% 2.850% 11.950% 2.850% No   12 2% Yes 125.000% Percent 5.000% 15   $26.89 HUD 04/21/2007 To Borrower $8,003.73 $8,003.73 No No Escrows $0.00 No                   7.824%   $338,027.85 $161,853.75 XX/XX/XXXX   N/A N/A   H-8 04/17/2007 N/A 04/21/2007           Yes No Pass Fail ($1,335.39) $4,126.00 $12,973.51 Pass 8.000% Pass No N/A $5,763.00 $7,339.90 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/16/2007     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: An approval indicates that the lender used an index of 4.73%. The closest index in our look-back period is 4.79%. This has caused a payment variance.          
203393864 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 48.450% 48.450% 1 In Arrears 01/03/2006 24.413%     Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Attached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1984 $258,000.00 1004/70 08/25/2005 Negative Amortization $125,000.00 6.540% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $446.55 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.360% 3.400% 0.320% 3.140% 0.000% 0.000% 5.410% 3.140% 6.860% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $13.40 HUD 02/15/2006 To Borrower $85,001.09 $89,499.12 No No Escrows $0.00 No                   6.731%   $200,445.06 $122,018.30 XX/XX/XXXX   N/A N/A   H-8 02/08/2006 N/A 02/13/2006 01/12/2006 01/12/2006       Yes No Pass Fail ($12,277.09) $3,524.50 $9,718.04 Pass 8.000% Pass No N/A $6,073.75 $6,250.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/08/2006     2           ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.14%. The closest Index available in our look-back period is 3.36% ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Federal FACTA Disclosure Timing Test          
203393876 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 70.175% 70.175% 1 In Arrears 07/23/2003 39.110%   604 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $114,000.00 Stated   Negative Amortization $80,000.00 4.820% Monthly XX/XX/XXXX 11/15/2003 10/15/2023 240 240 No $520.05 Yes 11/15/2003 05/15/2018 11/15/2004 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.030% 2.700% 7.130% 2.120% 0.000% 0.000% 7.130% 2.120% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $26.00 HUD 09/17/2003 To Borrower $12,010.74 $12,010.74 Yes Taxes $233.59 No                   4.939%   $45,887.46 $78,921.44 XX/XX/XXXX   N/A N/A   H-9 09/12/2003 N/A 09/17/2003           Yes No Pass Pass $1,123.52 $970.00 $6,298.74 Pass 8.000% Pass No N/A $970.00 $4,724.05 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/12/2003     2 ***Missing Valuation:: Appraisal not provided. ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203393886 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 89.912% 1 In Arrears 07/19/2006 33.344%   678 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1988 $227,000.00 1073/465 07/22/2006 Negative Amortization $170,250.00 7.384% Monthly XX/XX/XXXX 10/01/2006 09/01/2036 360 360 No $727.00 Yes 10/01/2006 05/01/2018 10/01/2007 10/01/2018 1 12 11th District COFI Most recent index available 0.000 None 4.090% 3.500% 4.566% 3.884% 0.000% 0.000% 4.566% 3.884% 11.950% 3.500% 11.950% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $21.81 HUD 08/18/2006 To Borrower $2,858.61 $2,858.61 No Taxes $297.15 No                   7.605%   $305,530.02 $165,542.84 XX/XX/XXXX   N/A N/A   H-8 08/14/2006 N/A 08/18/2006           Yes No Pass Fail ($16,394.44) $4,798.00 $13,197.58 Pass 8.000% Pass No N/A $8,188.00 $8,512.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/14/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.884%. The lowest Index available within the look-back period is 4.09%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203393902 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB 76.000% 76.000% 1 In Arrears 12/04/2006 42.690%   558 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1989 $220,000.00 1004/70 10/03/2006 Negative Amortization $167,200.00 7.524% Monthly XX/XX/XXXX 02/15/2007 01/15/2037 360 360 No $618.01 Yes 02/15/2007 05/15/2018 02/15/2008 02/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.153% 2.750% 4.426% 4.774% 0.000% 0.000% 4.426% 4.774% 11.950% 2.750% 11.950% 2.750% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $30.90 HUD   From Borrower $1,694.86 $4,052.50 No Taxes and Insurance $280.37 No                   7.703%   $339,466.76 $162,512.63 XX/XX/XXXX   N/A N/A   H-8 01/04/2007 N/A 01/09/2007           Yes No Pass Fail ($15,313.71) $3,789.95 $13,059.01 Pass 8.000% Pass No N/A $3,789.95 $9,794.26 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/11/2007     2 ***Missing Document: Missing Final 1003         ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 5.15333%. ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 5.15333%. ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203393914 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Fastrack   World Savings Bank, A Federal Savings Bank 75.000% 75.000% 1 In Arrears 06/20/2002 46.700%   598 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1970 $108,000.00 2055 w/ Interior 06/27/2002 Misc. ARM $81,000.00 5.850% Monthly XX/XX/XXXX 09/15/2002 08/15/2032 360 360 No $477.86 Yes 02/15/2003 08/15/2018 03/15/2003 09/15/2018 6 6 CODI 45 days 0.001 Nearest 2.263% 3.300% 1.000% 1.000% 1.000% 1.000% 6.400% 5.287% 6.850% 4.850% 12.250% 0.563% N/A       No   Percent 5.000% 15   $23.89 HUD 07/19/2002 To Borrower $18,935.22 $18,935.22 Yes No Escrows $0.00 No                   5.703%   $87,329.62 $79,534.54 XX/XX/XXXX   N/A N/A   H-9 07/15/2002 N/A 07/19/2002           Yes No Pass Pass $154.34 $960.00 $6,375.16 Pass 10.000% Pass No N/A $960.00 $6,375.16 Pass 10.000% Pass No N/A N/A No N/A Yes Final HUD1 07/15/2002     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***ARM Disclosure Timing          
203393930 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 12/27/2005 43.433%   629 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1942 $233,000.00 1004/70 01/04/2006 Negative Amortization $186,400.00 6.590% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $726.86 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.450% 5.360% 3.140% 0.000% 0.000% 5.360% 3.140% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $36.34 HUD 02/01/2006 To Borrower $12,589.61 $19,931.61 No No Escrows $0.00 No                   6.747%   $287,420.62 $182,482.90 XX/XX/XXXX   N/A N/A   H-8 01/27/2006 N/A 02/01/2006 01/26/2006 01/26/2006       Yes No Pass Fail ($16,920.77) $3,571.00 $14,588.63 Pass 8.000% Pass No N/A $7,299.00 $10,941.47 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/02/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 3.14%. The closest index available in our look-back period is 3.36%. ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393931 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 12/12/2006     604 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   2003 $220,000.00 1004/70 12/18/2006 Negative Amortization $165,000.00 7.400% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $609.88 Yes 03/15/2007 05/15/2018 03/15/2008 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.690% 2.800% 4.550% 4.600% 0.000% 0.000% 4.550% 4.600% 11.950% 2.800% 11.950% 2.800% No   36 2% Yes 125.000% Percent 5.000% 15   $30.49 HUD 01/18/2007 To Borrower $329.75 $4,036.02 No Taxes and Insurance $304.89 No                   7.620%   $325,530.16 $159,868.40 XX/XX/XXXX   N/A N/A   H-8 01/12/2007 N/A 01/18/2007           Yes No Pass Fail ($7,128.87) $4,202.00 $12,788.91 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/12/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203393933 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 02/20/2005     641 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX NV XXXXXXX XXXXXXX   1999 $220,000.00 2055 w/ Interior 03/04/2005 Negative Amortization $176,000.00 5.393% Monthly XX/XX/XXXX 05/01/2005 04/01/2035 360 360 No $646.14 Yes 05/01/2005 05/01/2018 05/01/2006 05/01/2018 1 12 CODI Most recent index available 0.001 Nearest 1.836% 3.700% 6.557% 1.693% 0.000% 0.000% 6.557% 1.693% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $32.31 HUD 03/17/2005 To Borrower $1,518.32 $1,518.32 No Taxes and Insurance $0.04 No                   5.528%   $201,952.19 $172,667.00 XX/XX/XXXX   N/A N/A   H-8 03/11/2005 N/A 03/16/2005           Yes No Pass Fail ($7,645.65) $2,533.85 $13,846.09 Pass 8.000% Pass No N/A $2,533.85 $13,846.09 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/17/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates Index used was 1.693%. The closest Index available in our look-back period is 1.8358%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393950 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 04/13/2006 31.000%   625 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1987 $225,000.00 1004/70 05/05/2006 Negative Amortization $157,500.00 7.010% Monthly XX/XX/XXXX 07/01/2006 06/01/2036 360 360 No $630.54 Yes 07/01/2006 05/01/2018 07/01/2007 07/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.450% 4.940% 3.560% 0.000% 0.000% 4.940% 3.560% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $31.53 HUD 05/19/2006 To Borrower $47,794.85 $47,794.85 No Taxes and Insurance $137.51 No                   7.277%   $268,864.98 $152,209.25 XX/XX/XXXX   N/A N/A   H-8 05/14/2006 N/A 05/18/2006           Yes No Pass Fail ($6,757.62) $5,047.00 $12,162.36 Pass 8.000% Pass No N/A $5,047.00 $9,121.77 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/19/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203393966 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 70.815% 70.815% 1 In Arrears 08/08/2005     641 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1983 $233,000.00 2055 w/ Interior 08/11/2005 Negative Amortization $165,000.00 5.930% Biweekly XX/XX/XXXX 10/17/2005 10/03/2035 361 361 No $302.88 Yes 10/31/2005 05/28/2018 10/16/2006 10/16/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 3.150% 6.020% 2.780% 0.000% 0.000% 6.020% 2.780% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $15.14 HUD 09/13/2005 To Borrower $3,913.37 $3,913.37 No Taxes $600.53 No                   6.012%   $175,035.48 $163,010.40 XX/XX/XXXX   N/A N/A   H-8 09/08/2005 N/A 09/13/2005           Yes No Pass Fail ($20,227.61) $1,570.00 $13,009.88 Pass 8.000% Pass No N/A $1,570.00 $11,383.65 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/08/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393992 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 75.918% 75.918% 1 In Arrears 04/25/2007     619 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1976 $245,000.00 1004/70 05/21/2007 Negative Amortization $186,000.00 7.790% Monthly XX/XX/XXXX 07/15/2007 06/15/2037 360 360 No $641.93 Yes 07/15/2007 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.760% 2.850% 4.160% 4.940% 0.000% 0.000% 4.160% 4.940% 11.950% 2.850% 11.950% 2.850% No   36 2% Yes 125.000% Percent 3.000% 15   $19.26 HUD 05/31/2007 To Borrower $23,177.59 $23,177.59 No No Escrows $0.00 No                   7.960%   $385,901.42 $181,659.50 XX/XX/XXXX   N/A N/A   H-8 05/25/2007 N/A 05/31/2007           Yes No Pass Pass $96.44 $3,645.00 $14,540.76 Pass 8.000% Pass No N/A $7,295.00 $9,300.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/25/2007     2           ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203393994 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 81.667% 81.667% 1 In Arrears 04/17/2006 37.000%   537 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1982 $120,000.00 1004/70 02/23/2006 Misc. ARM $98,000.00 6.950% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $648.71 Yes 12/15/2006 06/15/2018 01/15/2007 07/15/2018 6 6 CODI 45 days 0.001 Nearest 3.996% 3.050% 1.000% 1.000% 1.000% 1.000% 5.000% 3.900% 7.950% 5.950% 11.950% 3.050% N/A   36 2%, 2%, 2% No   Percent 5.000% 15   $32.44 HUD 05/22/2006 From Borrower $2,757.36   No No Escrows $0.00 No                   7.133%   $139,138.09 $96,607.84 XX/XX/XXXX   N/A N/A   H-8 05/17/2006 N/A 05/22/2006 04/06/2006 04/06/2006       Yes No Pass Pass $312.31 $635.00 $7,753.61 Pass 8.000% Pass No N/A $636.00 $7,753.61 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 05/17/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Missing Initial Loan Application Test          
203394007 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 01/21/2005 45.000%   625 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1968 $120,000.00 2055 w/ Interior 02/16/2005 Misc. ARM $90,000.00 4.500% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $456.02 No 09/15/2005 09/15/2018 10/15/2005 10/15/2018 6 6 CODI 45 days 0.001 Nearest 1.693% 3.600% 1.000% 0.900% 1.000% 1.000% 7.750% 0.900% 5.500% 3.600% 12.250% 3.600% N/A       No   Percent 5.000% 15   $22.80 HUD 03/07/2005 To Borrower $49,771.19 $49,771.19 No No Escrows $0.00 No                   5.347%   $90,356.11 $88,967.20 XX/XX/XXXX   N/A N/A   H-8 03/01/2005 N/A 03/05/2005           Yes No Pass Pass $314.51 $591.00 $7,142.95 Pass 8.000% Pass No N/A $592.00 $7,142.95 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 03/01/2005     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan)          
203394013 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 10/05/2006 43.000%   627 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1998 $173,000.00 1004/70 01/01/2006 Negative Amortization $140,000.00 7.597% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $483.17 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.700% 4.353% 4.897% 0.000% 0.000% 4.353% 4.897% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $24.16 HUD 11/22/2006 From Borrower $622.54   Yes No Escrows $0.00 No                   7.690%   $283,088.74 $137,662.56 XX/XX/XXXX   N/A N/A   H-9 11/17/2006 N/A 11/22/2006           Yes No Pass Fail ($2,714.58) $1,110.50 $11,052.88 Pass 8.000% Pass No N/A $1,111.50 $11,052.88 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 11/17/2006     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 4.99667%.          
203394032 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.034% 73.034% 1 In Arrears 01/28/2005 30.000%   648 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1990 $178,000.00 1004/70 01/27/2005 Negative Amortization $130,000.00 5.480% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $477.27 Yes 04/15/2005 05/15/2018 04/15/2006 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 2.280% 3.400% 6.470% 2.080% 0.000% 0.000% 6.470% 2.080% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $23.86 HUD 03/04/2005 To Borrower $49,423.82 $49,423.82 No Taxes and Insurance $772.02 No                   5.597%   $152,421.14 $127,939.28 XX/XX/XXXX   N/A N/A   H-8 02/28/2005 N/A 03/04/2005 02/23/2005 02/23/2005       Yes No Pass Fail ($8,439.82) $1,651.00 $10,250.74 Pass 8.000% Pass No N/A $1,651.00 $10,250.74 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/28/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.28%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test ***(Doc Error) TIL Error: Final TIL not signed by all required parties          
203394056 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, Its Successors and/or Assignees 73.864% 73.864% 1 In Arrears 01/20/2006 29.311%   683 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1954 $264,000.00 1004/70 01/16/2006 Negative Amortization $195,000.00 6.440% Biweekly XX/XX/XXXX 03/20/2006 03/06/2036 360 360 No $432.40 Yes 04/03/2006 05/03/2018 03/19/2007 03/19/2019 1 12 GDW-COSI 30 days 0.000 None 3.360% 3.200% 5.510% 3.240% 0.000% 0.000% 5.510% 3.240% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $12.97 HUD 02/17/2006 To Borrower $49,725.53 $49,725.53 No Taxes and Insurance $688.36 No                   6.676%   $212,282.85 $189,963.50 XX/XX/XXXX   N/A N/A   H-8 02/13/2006 N/A 02/24/2006           Yes No Pass Fail ($21,102.53) $5,045.75 $15,153.42 Pass 8.000% Pass No N/A $6,925.75 $9,750.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/13/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $212282.85 is underdisclosed from calculated Finance Charge of $218245.13 in the amount of $-5962.28. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%. Truth In Lending Act: Final TIL APR of 6.676% is underdisclosed from calculated APR of 6.846% in the amount of -0.17%. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Compliant ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203394058 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 75.000% 75.000% 1 In Arrears 10/29/2003 46.000%   604 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1981 $125,000.00 2055 w/ Interior 11/05/2003 Misc. ARM $93,750.00 5.000% Monthly XX/XX/XXXX 01/15/2004 12/15/2033 360 360 No $503.28 Yes 05/15/2004 05/15/2018 06/15/2004 06/15/2018 6 6 CODI 45 days 0.001 Nearest 1.194% 3.450% 1.000% 1.000% 1.000% 1.000% 7.250% 4.644% 6.000% 4.000% 12.250% 0.356% N/A       No   Percent 5.000% 15   $25.16 HUD 12/02/2003 To Borrower $28,317.25 $28,317.25 No Taxes $372.60 No                   4.807%   $82,116.17 $91,994.58 XX/XX/XXXX   N/A N/A   H-8 11/26/2003 N/A 12/02/2003           Yes No Pass Fail ($45.15) $1,637.50 $7,355.96 Pass 8.000% Pass No N/A $1,637.50 $7,355.96 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 11/26/2003     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Properly Executed by all persons vested on title) ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) ***ARM Disclosure Timing ***CHARM Booklet Disclosure Status ***Final TIL Finance Charge Under Disclosed: Approval indicate the Index used was 1.194%. The closest Index available in our look-back period is 1.2683%.          
203394059 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 06/15/2004 22.390%   638 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MO XXXXXXX XXXXXXX   1938 $270,000.00 2055 w/ Interior 06/25/2004 Negative Amortization $202,500.00 5.300% Monthly XX/XX/XXXX 09/15/2004 08/15/2034 360 360 No $743.43 Yes 09/15/2004 05/15/2018 09/15/2005 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.880% 3.450% 6.650% 1.850% 0.000% 0.000% 6.650% 1.850% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $37.17 HUD 07/20/2004 To Borrower $7,153.64 $7,153.64 No Taxes and Insurance $2,005.26 No                   5.427%   $226,429.07 $198,604.60 XX/XX/XXXX   N/A N/A   H-8 07/15/2004 N/A 07/20/2004           Yes No Pass Fail ($1,364.71) $3,375.00 $15,902.09 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/15/2004     2 ***Missing Document: Missing Final 1003 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203394063 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 10/22/2006 36.478%   671 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   2003 $279,000.00 1004/70 12/12/2006 Negative Amortization $209,250.00 7.547% Monthly XX/XX/XXXX 02/15/2007 01/15/2037 360 360 No $722.17 Yes 02/15/2007 05/15/2018 02/15/2008 02/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.550% 4.403% 4.997% 0.000% 0.000% 4.403% 4.997% 11.950% 2.550% 11.950% 2.550% No   36 2% Yes 125.000% Percent 5.000% 15   $36.11 HUD 12/20/2006 To Borrower $19,321.68 $19,321.68 No Taxes and Insurance $173.93 No                   7.765%   $424,129.29 $202,637.98 XX/XX/XXXX   N/A N/A   H-8 12/15/2006 N/A 12/20/2006           Yes No Pass Fail ($4,509.02) $6,372.00 $16,188.70 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/15/2006     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.997%. The lowest Index available within the look-back period is 5.08083%. ***ARM Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Federal FACTA Disclosure Timing Test          
203394093 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 08/26/2005 37.571%   577 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $200,000.00 1965 $250,000.00 2055 w/ Interior 08/16/2005 Negative Amortization $140,000.00 6.100% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $513.98 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.400% 5.850% 2.700% 0.000% 0.000% 5.850% 2.700% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $25.70 HUD 09/29/2005 From Borrower $79,597.69   N/A No Escrows $0.00 No                   6.261%   $195,948.36 $136,927.15 XX/XX/XXXX   N/A N/A       N/A 09/30/2005           Yes N/A Pass Fail ($14,861.99) $2,686.00 $10,961.29 N/A 8.000% N/A N/A N/A $5,486.00 $8,220.97 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/29/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: An approval indicates that the lender used an index of 2.7% The closest Index available in our look-back period is 2.97% This has caused a payment variance of $14,951.04. ***TIL APR Tolerance Irregular Transaction: An approval indicates that the lender used an index of 2.7%. The closest Index available in our look-back period is 2.97% ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394099 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/01/2005 34.472%   596 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX KY XXXXXXX XXXXXXX   1974 $171,000.00 2055 w/ Interior 10/06/2005 Negative Amortization $136,800.00 6.340% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $502.23 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.450% 5.610% 2.890% 0.000% 0.000% 5.610% 2.890% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $25.11 HUD 10/24/2005 To Borrower $12,001.89 $13,393.89 No Taxes and Insurance $1,109.89 No                   6.504%   $204,732.29 $133,573.28 XX/XX/XXXX   N/A N/A   H-8 10/18/2005 N/A 10/22/2005           Yes No Pass Fail ($9,528.19) $2,754.00 $10,681.86 Pass 8.000% Pass No N/A $2,754.00 $10,681.86 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/18/2005     2           ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%. ***ARM Disclosure Prior to Closing Timing          
203394108 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 78.000% 78.000% 1 In Arrears 10/28/2007     624 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1911 $360,000.00 1004/70 10/05/2007 Negative Amortization $280,800.00 7.700% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $1,168.78 Yes 12/15/2010 05/15/2018 01/15/2009 01/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.150% 3.800% 4.550% 0.000% 0.000% 3.800% 4.550% 11.500% 3.150% 11.500% 3.150% No   36 2% Yes 125.000% Percent 5.000% 15   $58.44 HUD 12/03/2007 To Borrower $4,454.50 $22,994.76 No No Escrows $0.00 No                   8.137%   $590,999.98 $274,559.12 XX/XX/XXXX   N/A N/A   H-8 11/28/2007 N/A 12/03/2007 11/27/2007 11/27/2007       Yes No Pass Pass $6,004.32 $5,098.00 $21,999.28 Pass 8.000% Pass No N/A $10,749.00 $12,405.01 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/03/2007     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394116 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 75.000% 89.861% 1 In Arrears 12/13/2005 43.357%   647 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX $287,000.00 1850 $287,000.00 1004/70 01/05/2006 Negative Amortization $215,250.00 6.590% Biweekly XX/XX/XXXX 02/13/2006 01/30/2036 360 360 No $477.30 Yes 02/27/2006 05/27/2018 02/12/2007 02/12/2019 1 12 GDW-COSI 30 days 0.000 None 3.240% 3.450% 5.360% 3.140% 0.000% 0.000% 5.360% 3.140% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $14.32 HUD 01/13/2006 From Borrower $29,514.43   N/A No Escrows $0.00 No                   6.670%   $238,367.91 $212,902.51 XX/XX/XXXX   N/A N/A       N/A 01/19/2006           Yes N/A Pass Fail ($25,154.78) $1,538.00 $17,043.96 N/A 8.000% N/A N/A N/A $6,168.00 $10,762.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/13/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $238367.91 is underdisclosed from calculated Finance Charge of $243217.07 in the amount of $-4849.16. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.24%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203394118 XXXXXXX XXXXXXX Retail Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 05/20/2004     700 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX $200,000.00   $200,000.00 2055 (Exterior Only) 06/01/2004 Negative Amortization $160,000.00 4.550% Biweekly XX/XX/XXXX 07/19/2004 06/21/2034 360 360 No $293.70 Yes 08/02/2004 05/02/2018 07/18/2005 07/18/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.850% 2.700% 7.400% 1.850% 0.000% 0.000% 7.400% 1.850% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 10   $14.69 HUD 06/16/2004 From Borrower $44,554.22   N/A No Escrows $0.00 No                   4.659%   $119,844.31 $157,684.00 XX/XX/XXXX   N/A N/A       N/A 06/19/2004           No N/A Pass Fail ($5,035.97) $1,818.85 $12,636.72 N/A 8.000% N/A N/A N/A $1,818.85 $12,636.72 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/15/2004     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Timing          
203394130 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Fastrack   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 06/04/2007 45.616%     Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX     $253,000.00 Stated   Negative Amortization $202,400.00 7.424% Monthly XX/XX/XXXX 08/15/2007 07/15/2037 360 360 No $698.53 Yes 08/15/2007 05/15/2018 08/15/2008 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 5.338% 2.100% 4.526% 5.324% 0.000% 0.000% 4.526% 5.324% 11.950% 2.100% 11.950% 2.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $34.93 HUD 06/28/2007 To Borrower $10,559.38 $10,559.38 Yes Insurance $77.51 No                   7.470%   $401,837.60 $200,300.59 XX/XX/XXXX   N/A N/A   H-9 06/23/2007 N/A 06/28/2007 05/29/2007 05/29/2007       Yes No Pass Fail ($164.93) $1,305.50 $16,031.56 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/23/2007     2 ***Missing Valuation:: Appraisal not provided         ***ARM Disclosure Status ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 5.324%. The lowest Index available within the look-back period is 5.3375%.          
203394132 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 64.179% 64.179% 1 In Arrears 09/22/2005 42.000%   588 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2001 $335,000.00 2055 w/ Interior 10/11/2005 Negative Amortization $215,000.00 6.290% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $789.32 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.400% 5.660% 2.890% 0.000% 0.000% 5.660% 2.890% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $39.47 HUD   To Borrower $6,113.15 $15,315.15 No No Escrows $0.00 No                   6.501%   $318,628.97 $208,722.90 XX/XX/XXXX   N/A N/A   H-8 10/21/2005 N/A 10/26/2005           Yes No Pass Fail ($14,069.68) $5,897.30 $16,728.80 Pass 8.000% Pass No N/A $10,197.30 $12,546.60 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/17/2005     2 ***Missing Document: Missing Final 1003         ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Disbursement Date Missing ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394150 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 81.561% 81.561% 1 In Arrears 09/30/2007 58.578%   709 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Attached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1984 $205,000.00 1004/70 10/19/2007 Fixed Rate $167,200.00 7.300% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $682.58 Yes     12/15/2008 12/15/2018   12                                 No   36 2% Yes 125.000% Percent 5.000% 15   $34.13 HUD 11/05/2007 To Borrower $254.58 $37,221.05 No No Escrows $0.00 No                   7.386%   $300,038.30 $165,160.16 XX/XX/XXXX   N/A N/A   H-8 10/31/2007 N/A 11/05/2007 10/12/2007 10/12/2007       Yes No Pass Pass $33.43 $1,672.00 $13,215.48 Pass 8.000% Pass No N/A $0.00 $11,704.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/31/2007     2           ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394161 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 74.706% 74.706% 1 In Arrears 11/28/2005 37.653%   671 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Attached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1980 $255,000.00 1004/70 12/16/2005 Negative Amortization $190,500.00 6.460% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $723.34 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $36.17 HUD 01/03/2006 To Borrower $23,469.78 $23,469.78 No Taxes and Insurance $506.63 No                   6.675%   $289,495.30 $185,284.58 XX/XX/XXXX   N/A N/A   H-8 12/28/2005 N/A 01/02/2006           Yes No Pass Fail ($13,937.23) $4,752.35 $14,827.74 Pass 8.000% Pass No N/A $8,562.35 $11,120.81 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/28/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%          
203394166 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Investment Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 70.000% 70.000% 1 In Arrears 11/06/2007 15.973%   632 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX     $330,000.00 Stated   Negative Amortization $231,000.00 8.180% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $973.91 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 GDW-COSI 30 days 0.000 None 4.790% 3.300% 4.070% 4.880% 0.000% 0.000% 4.070% 4.880% 12.250% 3.300% 12.250% 3.300% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $58.43 HUD 12/06/2007 To Borrower $22,248.89 $25,257.89 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 12/11/2007           No N/A     $0.00 $6,516.17 $17,917.29 N/A 8.000% N/A N/A N/A $6,516.17 $17,917.29 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/06/2007     2 ***Missing Valuation:: Appraisal not provided.         ***Missing Initial Loan Application Test          
203394172 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 50.000% 50.000% 1 In Arrears 06/10/2004 17.620%   556 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1990 $251,000.00 2055 w/ Interior 06/28/2004 Negative Amortization $125,500.00 4.783% Biweekly XX/XX/XXXX 09/06/2004 08/23/2034 360 360 No $230.38 Yes 09/20/2004 05/20/2018 09/05/2005 09/05/2018 1 12 CODI Most recent index available 0.001 Nearest 1.118% 3.700% 7.167% 1.083% 0.000% 0.000% 7.167% 1.083% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $11.52 HUD 07/19/2004 To Borrower $28,977.38 $30,113.38 No No Escrows $0.00 No                   4.984%   $100,954.21 $122,658.08 XX/XX/XXXX   N/A N/A   H-8 07/10/2004 N/A 07/15/2004           Yes No Pass Fail ($7,198.99) $4,095.00 $9,660.95 Pass 8.000% Pass No N/A $6,608.85 $7,245.71 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/19/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394178 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 67.787% 67.787% 1 In Arrears 10/08/2004 45.000%   542 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1958 $122,000.00 2055 w/ Interior 10/14/2004 Negative Amortization $82,700.00 4.927% Biweekly XX/XX/XXXX 11/29/2004 11/15/2034 360 360 No $151.81 Yes 12/13/2004 05/13/2018 11/28/2005 11/28/2018 1 12 CODI Most recent index available 0.001 Nearest 1.277% 3.650% 7.023% 1.277% 0.000% 0.000% 7.023% 1.277% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $7.59 HUD 10/29/2004 From Borrower $200.63   No No Escrows $0.00 No                   5.168%   $69,540.24 $80,376.77 XX/XX/XXXX   N/A N/A   H-8 10/25/2004 N/A 10/29/2004 10/21/2004 10/21/2004       Yes No Pass Fail ($3,055.38) $2,457.00 $6,404.22 Pass 8.000% Pass No N/A $2,458.00 $6,404.22 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 10/25/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203394202 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Fastrack   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 10/18/2006       Fee Simple XXXXXX XXXXXX                         PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX $244,894.00 2006 $265,000.00 1004/70 10/16/2006 Negative Amortization $183,670.00 7.790% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $633.89 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.600% 3.450% 4.160% 4.340% 0.000% 0.000% 4.160% 4.340% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $31.69 HUD 10/31/2006 From Borrower $62,724.65   N/A No Escrows $0.00 No                   7.856%   $378,860.17 $181,590.80 XX/XX/XXXX   N/A N/A       N/A 11/04/2006           No N/A Pass Fail ($12,587.28) $1,155.85 $14,554.40 N/A 8.000% N/A N/A N/A $1,155.85 $14,554.40 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/31/2006     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.34%. The closest Index available in our look-back period is 4.60%. ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394237 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 75.000% 75.000% 1 In Arrears 02/20/2006 46.059%   599 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1969 $265,000.00 1004/70 02/24/2006 Negative Amortization $198,750.00 6.610% Biweekly XX/XX/XXXX 04/24/2006 04/10/2036 360 360 No $397.84 Yes 05/08/2006 05/08/2018 04/23/2007 04/23/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.450% 5.340% 3.160% 0.000% 0.000% 5.340% 3.160% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $11.94 HUD   From Borrower $45.32   N/A No Escrows $0.00 No                   6.895%   $245,828.82 $196,232.22 XX/XX/XXXX   N/A N/A   H-8 03/23/2006 N/A 03/28/2006           Yes No Pass Fail ($39,316.27) $1,590.00 $15,722.23 Pass 8.000% Pass No N/A $6,488.75 $9,937.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/24/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $245828.82 is underdisclosed from calculated Finance Charge of $257152.18 in the amount of $-11323.36. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.56%. ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is Wold Savings Bank, FSB. ***ARM Disclosure Timing ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date          
203394242 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 78.378% 78.378% 1 In Arrears 12/25/2005 33.897%   677 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1935 $370,000.00 1004/70 01/10/2006 Negative Amortization $290,000.00 8.540% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,130.83 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.400% 3.410% 5.140% 0.000% 0.000% 3.410% 5.140% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $56.54 HUD 01/30/2006 To Borrower $318.15 $318.15 No Insurance $0.00 No                   6.618%   $438,569.69 $286,543.60 XX/XX/XXXX   N/A N/A   H-8 01/25/2006 N/A 01/30/2006           Yes No Pass Fail ($27,229.13) $2,436.85 $22,991.82 Pass 8.000% Pass No N/A $8,236.85 $12,940.51 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/25/2006     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%; ***Missing Initial Loan Application Test ***FACTA Disclosure Missing ***(Doc Error) Initial GFE not provided          
203394263 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Alt   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 08/28/2005 43.500%   672 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   2004 $230,000.00 2055 w/ Interior 08/29/2005 Negative Amortization $172,500.00 6.340% Biweekly XX/XX/XXXX 10/31/2005 09/17/2035 360 360 No $297.67 Yes 11/14/2005 05/14/2018 10/30/2006 10/30/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.450% 5.610% 2.890% 0.000% 0.000% 5.610% 2.890% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $14.88 HUD 10/03/2005 To Borrower $4,402.67 $4,402.67 No No Escrows $0.00 No                   6.521%   $211,188.43 $168,657.30 XX/XX/XXXX   N/A N/A   H-8 09/27/2005 N/A 10/03/2005           Yes No Pass Fail ($26,530.68) $3,617.00 $13,476.98 Pass 8.000% Pass No N/A $3,617.00 $13,476.98 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/28/2005     2 ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203394304 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 57.692% 57.692% 1 In Arrears 03/09/2006     635 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1880 $312,000.00 1004/70 03/14/2006 Negative Amortization $180,000.00 6.760% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $651.90 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.400% 5.190% 3.360% 0.000% 0.000% 5.190% 3.360% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $19.56 HUD   To Borrower $17,767.21 $19,952.93 N/A Taxes $0.00 No                   6.953%   $304,104.85 $175,217.22 XX/XX/XXXX   N/A N/A   H-8 03/24/2006 N/A 03/29/2006           Yes No Pass Fail ($16,372.73) $4,894.00 $13,963.13 Pass 8.000% Pass No N/A $8,494.00 $9,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/24/2006     2           ***Final TIL Finance Charge Under Disclosed: Loan approval indicates the Index used was 3.360%. The lowest Index available within the look-back period is 3.560%. ***Right of Rescission Timing - Note Date used as Transaction Date ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203394306 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 75.000% 75.000% 1 In Arrears 07/31/2005     708 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1950 $355,000.00 2055 w/ Interior 08/08/2005 Negative Amortization $266,250.00 6.122% Monthly XX/XX/XXXX 11/01/2005 10/01/2035 360 360 No $990.79 Yes 11/01/2005 05/01/2018 11/01/2006 11/01/2018 1 12 11th District COFI Most recent index available 0.000 None 2.757% 3.500% 5.828% 2.622% 0.000% 0.000% 5.828% 2.622% 11.950% 3.500% 11.950% 3.500% No   36 2% Yes 125.000% Percent 5.000% 15   $49.54 HUD 09/07/2005 From Borrower $35,747.69   No Insurance $0.03 No                   6.247%   $371,279.93 $261,119.00 XX/XX/XXXX   N/A N/A   H-8 08/31/2005 N/A 09/06/2005           Yes No Pass Fail ($13,985.98) $4,364.50 $20,891.09 Pass 8.000% Pass No N/A $9,619.50 $11,981.25 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/31/2005     2 ***Missing Document: Missing Final 1003 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 2.622%. The closest index available in our look-back period is 2.757%. ***Missing Initial Loan Application Test          
203394327 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 08/01/2006     608 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $270,000.00 1004/70 08/02/2006 Negative Amortization $189,000.00 7.390% Monthly XX/XX/XXXX 10/01/2006 09/01/2036 360 360 No $698.59 Yes 10/01/2006 05/01/2018 10/01/2007 10/01/2018 1 12 GDW-COSI 30 days 0.000 None 4.110% 3.450% 4.560% 3.940% 0.000% 0.000% 4.560% 3.940% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $20.96 HUD 08/18/2006 To Borrower $1,959.46 $2,169.46 N/A Taxes and Insurance $502.28 No                   7.500%   $368,923.63 $185,937.22 XX/XX/XXXX   N/A N/A   H-8 08/14/2006 N/A 08/18/2006           Yes No Pass Fail ($16,042.48) $2,836.13 $14,850.79 Pass 8.000% Pass No N/A $6,616.13 $9,450.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/14/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.94%. The closest Index available within the look back period is 4.11%. ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test          
203394346 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   Wachovia Mortgage, FSB, a Federal Savings Bank 57.576% 57.576% 1 In Arrears 03/27/2008 43.418%   645 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   2005 $330,000.00 1004/70 03/31/2008 Negative Amortization $190,000.00 7.650% Monthly XX/XX/XXXX 06/15/2008 05/15/2038 360 360 No $801.05 Yes 06/15/2008 05/15/2018 06/15/2009 06/15/2018 1 12 W-COSI 30 days 0.000 None   3.000% 4.300% 4.650% 0.000% 0.000% 4.300% 4.650% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.05 HUD 04/25/2008 To Borrower $17,148.05 $40,018.57 No No Escrows $0.00 No                   7.760%   $365,936.87 $186,567.68 XX/XX/XXXX   N/A N/A   H-8 04/16/2008 N/A 04/21/2008           Yes No Pass Fail ($8,270.56) $2,979.50 $14,894.74 Pass 8.000% Pass No N/A $2,979.50 $14,894.74 Pass 8.000% Pass No N/A N/A N/A N/A Yes HUD1, not signed or stamped 04/25/2008     3           ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***CHARM Booklet Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203394373 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 83.509% 83.509% 1 In Arrears 06/30/2006     646 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $326,000.00 2055 (Exterior Only) 07/05/2006 Negative Amortization $272,240.00 6.640% Biweekly XX/XX/XXXX 09/18/2006 09/04/2036 360 360 No $469.78 Yes 10/02/2006 05/02/2018 09/17/2007 09/17/2018 1 12 GDW-COSI 30 days 0.000 None 4.110% 2.850% 5.310% 3.790% 0.000% 0.000% 5.310% 3.790% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $14.09 HUD 08/23/2006 To Borrower $4,044.08 $18,317.78 Yes Taxes and Insurance $141.76 No                   6.681%   $352,956.83 $270,168.28 XX/XX/XXXX   N/A N/A   H-9 08/18/2006 N/A 08/23/2006 08/11/2006 08/11/2006       Yes No Pass Fail ($23,545.57) $1,180.50 $21,637.08 Pass 8.000% Pass No N/A $7,828.00 $13,612.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/17/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $352956.83 is underdisclosed from calculated Finance Charge of $378131.33 in the amount of $-25174.5. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%. Truth In Lending Act: Final TIL APR of 6.681% is underdisclosed from calculated APR of 6.986% in the amount of -0.305%. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%. ***ARM Disclosure Timing ***CHARM Booklet Disclosure Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203394378 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 01/23/2006 36.119%   812 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $399,900.00 1950 $400,000.00 1004/70 01/20/2006 Negative Amortization $299,925.00 6.490% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,123.64 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.250% 5.460% 3.240% 0.000% 0.000% 5.460% 3.240% 11.950% 3.250% 11.950% 3.250% No   36 2% Yes 125.000% Percent 5.000% 15   $56.18 HUD   From Borrower $106,382.61   N/A Taxes $1,995.32 No                   6.732%   $464,229.95 $290,600.58 XX/XX/XXXX   N/A N/A       N/A 02/03/2006           Yes N/A Pass Fail ($14,656.14) $8,391.13 $23,267.24 N/A 8.000% N/A N/A N/A $12,890.01 $17,450.43 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/02/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.24%. The closest Index available in our look-back period is 3.36% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203394382 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.667% 74.667% 1 In Arrears 08/13/2007 41.120%   634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1974 $300,000.00 1004/70 06/11/2007 Negative Amortization $224,000.00 8.100% Monthly XX/XX/XXXX 11/01/2007 10/01/2037 360 360 No $914.47 Yes 10/01/2010 05/01/2018 11/01/2008 11/01/2018 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.150% 3.850% 4.950% 0.000% 0.000% 3.850% 4.950% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $45.72 HUD 09/20/2007 To Borrower $94,623.28 $94,623.28 No Taxes and Insurance $929.06 No                   8.258%   $489,035.37 $218,437.90 XX/XX/XXXX   N/A N/A   H-8 09/13/2007 N/A 09/18/2007 08/22/2005 08/22/2005       Yes No Pass Pass $4,432.29 $5,080.00 $17,465.87 Pass 8.000% Pass No N/A $5,080.00 $13,099.40 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/20/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203394411 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 09/30/2005 42.000%   656 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1986 $365,000.00 1004/70 09/01/2005 Negative Amortization $292,000.00 6.340% Monthly XX/XX/XXXX 01/01/2006 12/01/2035 360 360 No $1,108.73 Yes 01/01/2006 05/01/2018 02/01/2007 02/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.450% 5.610% 2.890% 0.000% 0.000% 5.610% 2.890% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $55.44 HUD   To Borrower $106,985.82 $133,823.82 No Taxes and Insurance $217.75 No                   6.387%   $424,726.94 $288,867.12 XX/XX/XXXX   N/A N/A   H-8 10/31/2005 N/A 11/04/2005           Yes No Pass Fail ($20,175.00) $2,282.62 $23,092.18 Pass 8.000% Pass No N/A $8,122.62 $17,319.13 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/10/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%.          
203394417 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 68.966% 68.966% 1 In Arrears 01/28/2005 33.000%   684 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1971 $290,000.00 2055 w/ Interior 02/04/2005 Negative Amortization $200,000.00 5.530% Biweekly XX/XX/XXXX 03/28/2005 03/14/2035 361 361 No $367.13 Yes 04/11/2005 05/11/2018 03/27/2006 03/27/2019 1 12 GDW-COSI Most recent index available 0.000 None 2.280% 3.450% 6.420% 2.080% 0.000% 0.000% 6.420% 2.080% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 3.000% 15   $11.01 HUD 02/23/2005 To Borrower $17,345.33 $17,345.33 N/A Taxes $703.30 No                   5.690%   $193,726.36 $195,988.83 XX/XX/XXXX   N/A N/A   H-8 02/17/2005 N/A 02/23/2005 02/08/2005 02/08/2005       Yes No Pass Fail ($23,464.45) $3,076.95 $15,707.66 Pass 8.000% Pass No N/A $8,013.95 $10,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/17/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Federal FACTA Disclosure Timing Test          
203394419 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 70.127% 70.127% 1 In Arrears 05/10/2006 38.962%   619 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $395,000.00 Stated   Negative Amortization $277,000.00 6.908% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $1,016.94 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.158% 2.750% 5.042% 4.158% 0.000% 0.000% 5.042% 4.158% 11.950% 2.750% 11.950% 2.750% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $50.85 HUD 06/07/2006 To Borrower $31,266.76 $31,266.76 Yes No Escrows $0.00 No                   7.087%   $482,124.64 $270,231.05 XX/XX/XXXX   N/A N/A   H-9 05/31/2006 N/A 06/05/2006           Yes No Pass Pass $719.13 $6,202.50 $21,630.24 Pass 8.000% Pass No N/A $6,202.50 $16,222.68 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/08/2006     2 ***Missing Valuation:: Appraisal not provided. ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394455 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 11/16/2007 31.965%   645 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX UT XXXXXXX XXXXXXX   2005 $336,000.00 1004/70 11/20/2007 Negative Amortization $268,800.00 7.950% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $1,062.09 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.060% 4.000% 4.890% 0.000% 0.000% 4.000% 4.890% 11.950% 3.060% 11.950% 3.060% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $53.10 HUD 12/14/2007 To Borrower $40,242.66 $40,242.66 No Taxes $0.00 No                   8.032%   $578,502.46 $266,120.46 XX/XX/XXXX   N/A N/A   H-8 12/10/2007 N/A 12/14/2007           Yes No Pass Pass $5,812.31 $2,550.00 $21,295.31 Pass 8.000% Pass No N/A $2,550.00 $21,295.31 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/10/2007     2           ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status          
203394466 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 01/11/2005     683 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $320,000.00 Stated   Negative Amortization $256,000.00 5.363% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $883.51 Yes 04/15/2005 05/15/2018 04/15/2006 04/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.693% 3.800% 6.587% 1.563% 0.000% 0.000% 6.587% 1.563% 11.950% 3.800% 11.950% 3.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.18 HUD 02/23/2005 To Borrower $38,967.73 $38,967.73 Yes Taxes and Insurance $0.00 No                   5.393%   $296,829.13 $254,005.53 XX/XX/XXXX   N/A N/A   H-9 02/11/2005 N/A 02/19/2005           Yes No Pass Fail ($11,335.23) $1,219.00 $20,319.29 Pass 8.000% Pass No N/A $1,219.00 $15,239.47 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/15/2005     2 ***Missing Valuation:: Appraisal not provided.         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 1.563%. The closest Index available in our look-back period is 3.06%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203394474 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 73.166% 73.166% 1 In Arrears 12/27/2004 29.000%   549 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $299,990.00 2004 $305,000.00 1004/70 12/22/2004 Negative Amortization $219,490.00 5.420% Monthly XX/XX/XXXX 03/15/2005 02/15/2035 360 360 No $805.81 Yes 03/15/2005 05/15/2018 03/15/2006 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 2.190% 3.400% 6.530% 2.020% 0.000% 0.000% 6.530% 2.020% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.29 HUD 02/01/2005 From Borrower $91,118.13   N/A Taxes and Insurance $2,429.04 No                   5.563%   $253,403.97 $215,689.10 XX/XX/XXXX   N/A N/A       N/A 02/01/2005           Yes N/A Pass Fail ($12,342.36) $3,527.90 $17,237.86 N/A 8.000% N/A N/A N/A $7,917.70 $12,928.39 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/01/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 2.02%. The closest index available in our look-back period is 2.19%.          
203394480 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 75.000% 75.000% 1 In Arrears 09/26/2006 39.719%   626 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1990 $385,000.00 1004/70 10/05/2006 Negative Amortization $270,000.00 7.297% Monthly XX/XX/XXXX 12/01/2006 11/01/2036 360 360 No $931.83 Yes 12/01/2006 05/01/2018 12/01/2007 12/01/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.400% 4.653% 4.897% 0.000% 0.000% 4.653% 4.897% 11.950% 2.400% 11.950% 2.400% No   12 2% Yes 125.000% Percent 5.000% 15   $46.59 HUD   To Borrower $24,729.84 $24,729.84 No No Escrows $0.00 No                   7.567%   $538,268.69 $260,984.02 XX/XX/XXXX   N/A N/A   H-8 10/26/2006 N/A 10/31/2006           Yes No Pass Fail ($191.34) $9,300.00 $20,851.68 Pass 8.000% Pass No N/A $9,300.00 $15,638.76 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/31/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394481 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 72.580% 72.580% 1 In Arrears 02/27/2007 39.165%   684 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1978 $345,000.00 1004/70 10/04/2006 Negative Amortization $250,400.00 7.730% Monthly XX/XX/XXXX 05/15/2007 04/15/2037 360 360 No $805.39 Yes 05/15/2007 05/15/2018 05/15/2008 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.770% 3.000% 4.220% 4.730% 0.000% 0.000% 4.220% 4.730% 11.950% 3.000% 11.950% 3.000% No   36 2% Yes 125.000% Percent 5.000% 15   $40.27 HUD 03/27/2007 To Borrower $0.00 $0.00 Yes No Escrows $0.00 No                   7.936%   $514,104.44 $243,092.81 XX/XX/XXXX   N/A N/A   H-9 03/20/2007 N/A 03/24/2007           Yes No Pass Pass $640.17 $2,802.00 $19,722.99 Pass 8.000% Pass No N/A $2,802.00 $14,792.24 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/27/2007     2 ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date          
203394485 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI Streamline   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.310% 79.310% 1 In Arrears 02/22/2007 25.059%     Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1957 $290,000.00 1004/70 01/20/2006 Fixed Rate $230,000.00 6.800% Monthly XX/XX/XXXX 05/01/2007 04/01/2037 360 360 No $844.39 No     05/01/2008 05/01/2018   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $25.33 HUD   To Borrower $1,649.40 $1,649.40 Yes No Escrows $0.00 No                   6.978%   $388,715.76 $224,901.10 XX/XX/XXXX   N/A N/A   H-9 03/22/2007 N/A 03/27/2007 03/15/2007 03/15/2007       Yes No Pass Pass $92.14 $4,942.50 $17,987.46 Pass 8.000% Pass No N/A $4,912.00 $11,500.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/30/2007     2           ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***FACTA Disclosure Missing          
203394507 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 66.667% 66.667% 1 In Arrears 10/26/2006 31.000%   463 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   2001 $285,000.00 1004/70 10/31/2006 Misc. ARM $190,000.00 7.147% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $1,282.89 No 06/15/2007 06/15/2018 07/15/2007 07/15/2018 6 6 CODI 45 days 0.001 Nearest 4.897% 2.250% 1.000% 1.000% 1.000% 1.000% 5.103% 4.897% 8.147% 6.147% 12.250% 2.250% N/A       No   Percent 5.000% 15   $64.14 HUD 12/12/2006 To Borrower $16,755.60 $16,894.60 Yes No Escrows $0.00 No                   7.185%   $273,160.78 $188,676.80 XX/XX/XXXX   N/A N/A   H-9 12/12/2006 N/A 12/16/2006           Yes No Pass Pass $430.10 $781.50 $15,128.55 Pass 8.000% Pass No N/A $782.50 $15,128.55 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 12/07/2006     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely): The notary date is after the AFMV signature date. ***(TX50(a)(6)) Texas Cash-out Loan (Rescission Period) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value)          
203394523 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 82.286% 82.286% 1 In Arrears 09/02/2005 39.583%   601 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   2003 $350,000.00 2055 w/ Interior 09/08/2005 Negative Amortization $288,000.00 6.230% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $1,057.32 Yes 11/01/2005 05/01/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.450% 5.720% 2.780% 0.000% 0.000% 5.720% 2.780% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $52.87 HUD 09/30/2005 To Borrower $0.00 $0.00 No No Escrows $0.00 No                   6.342%   $416,138.28 $283,355.60 XX/XX/XXXX   N/A N/A   H-8 09/26/2005 N/A 09/30/2005           Yes No Pass Fail ($22,440.32) $4,717.00 $22,603.64 Pass 8.000% Pass No N/A $4,717.00 $22,603.64 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/26/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394552 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB 79.900% 79.900% 1 In Arrears 11/14/2007 37.326%   695 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1916 $500,000.00 1025/72 11/24/2007 Negative Amortization $399,500.00 8.150% Monthly XX/XX/XXXX 02/15/2008 01/15/2038 360 360 No $1,588.92 Yes 02/15/2008 05/15/2018 02/15/2009 02/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.250% 3.800% 4.900% 0.000% 0.000% 3.800% 4.900% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $79.45 HUD 12/19/2007 To Borrower $26,821.97 $34,851.97 No No Escrows $0.00 No                   8.179%   $881,335.75 $395,706.60 XX/XX/XXXX   N/A N/A   H-8 12/14/2007 N/A 12/19/2007           Yes No Pass Pass $1,442.09 $1,538.00 $31,644.28 Pass 8.000% Pass No N/A $11,525.50 $19,777.68 Pass 6.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/14/2007     2           ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394563 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.922% 77.922% 1 In Arrears 03/07/2006 47.293%   604 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1963 $385,000.00 1004/70 04/03/2006 Negative Amortization $300,000.00 6.910% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,201.02 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.450% 5.040% 3.460% 0.000% 0.000% 5.040% 3.460% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $60.05 HUD 04/15/2006 To Borrower $21,791.13 $21,791.13 No No Escrows $0.00 No                   7.042%   $493,595.36 $295,356.21 XX/XX/XXXX   N/A N/A   H-8 04/07/2006 N/A 04/12/2006           Yes No Pass Fail ($13,445.29) $5,289.00 $23,563.25 Pass 8.000% Pass No N/A $5,289.00 $17,672.43 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/14/2006     2           ***ARM Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Missing Initial Loan Application Test          
203394574 XXXXXXX XXXXXXX Retail Refinance Cash-out - Home Improvement Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 63.333% 63.333% 1 In Arrears 09/14/2006 47.325%   648 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1978 $148,000.00 2055 w/ Interior 02/20/2002 Misc. ARM $114,000.00 6.450% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $716.82 Yes 04/15/2007 10/15/2018 05/15/2007 05/15/2018 6 6 CODI 45 days 0.001 Nearest 4.774% 2.450% 1.000% 1.000% 1.000% 1.000% 5.800% 4.000% 7.450% 5.450% 12.250% 2.450% N/A       No   Percent 5.000% 15   $35.84 HUD 10/13/2006 To Borrower $25,439.21 $25,439.21 Yes No Escrows $0.00 No                   7.337%   $166,466.00 $112,206.40 XX/XX/XXXX   N/A N/A   H-9 10/09/2006 N/A 10/13/2006           Yes No Pass Pass $40.84 $1,712.00 $8,979.81 Pass 8.000% Pass No N/A $1,713.00 $8,979.81 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 10/09/2006     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***Federal FACTA Disclosure Timing Test ***(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)          
203394582 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.833% 70.833% 1 In Arrears 05/24/2005 48.000%   623 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX NY XXXXXXX XXXXXXX   1950 $360,000.00 2055 w/ Interior 06/03/2005 Negative Amortization $255,000.00 6.070% Biweekly XX/XX/XXXX 08/01/2005 07/18/2035 360 360 No $468.09 Yes 08/15/2005 05/15/2018 07/31/2006 07/31/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.550% 5.880% 2.520% 0.000% 0.000% 5.880% 2.520% 11.950% 3.550% 11.950% 3.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $23.40 HUD   To Borrower $100,440.39 $100,440.39 No Taxes and Insurance $913.20 No                   6.101%   $278,521.77 $253,340.12 XX/XX/XXXX   N/A N/A   H-8 06/24/2005 N/A 06/29/2005           Yes No Pass Fail ($40,367.42) $1,817.00 $20,190.00 Pass 8.000% Pass No N/A $6,917.00 $12,674.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/24/2005     2 ***Missing Document: Missing Final 1003         ***New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state (NY). ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394595 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB 84.324% 84.324% 1 In Arrears 11/22/2005 40.850%   643 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2001 $370,000.00 2055 w/ Interior 12/02/2005 Negative Amortization $312,000.00 6.446% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $1,184.67 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.504% 3.046% 0.000% 0.000% 5.504% 3.046% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.23 HUD 12/19/2005 To Borrower $3,735.17 $52,762.17 Yes Taxes and Insurance $423.00 No                   6.689%   $475,555.61 $302,041.68 XX/XX/XXXX   N/A N/A   H-9 12/14/2005 N/A 12/19/2005           Yes No Pass Fail ($9,813.43) $8,520.38 $24,163.51 Pass 8.000% Pass No N/A $8,520.38 $18,122.63 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/19/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Federal FACTA Disclosure Timing Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394616 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB 86.849% 86.849% 1 In Arrears 10/05/2007 42.299%   722 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2006 $403,000.00 1004/70 07/26/2007 Negative Amortization $350,000.00 8.350% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,721.79 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.880% 3.500% 3.900% 4.850% 0.000% 0.000% 3.900% 4.850% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 115.000% Percent 5.000% 15   $86.09 HUD 10/17/2007 From Borrower $3,813.17   No Taxes and Insurance $424.92 No                   8.442%   $715,428.81 $344,195.90 XX/XX/XXXX   N/A N/A   H-8 10/12/2007 N/A 10/17/2007 10/09/2007 10/09/2007       Yes No Pass Fail ($4,707.48) $3,350.10 $27,546.22 Pass 8.000% Pass No N/A $3,350.10 $20,659.67 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/18/2007     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394625 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 08/13/2006 45.260%   746 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1940 $415,000.00 1004/70 08/17/2006 Negative Amortization $332,000.00 7.333% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $1,145.80 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.774% 2.850% 4.617% 4.483% 0.000% 0.000% 4.617% 4.483% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $57.29 HUD 09/18/2006 From Borrower $221.43 $1,418.57 No Insurance $0.00 No                   7.477%   $660,483.55 $324,254.10 XX/XX/XXXX   N/A N/A   H-8 09/13/2006 N/A 09/18/2006           Yes No Pass Fail ($15,112.78) $6,001.85 $25,936.32 Pass 8.000% Pass No N/A $13,836.85 $14,695.51 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/13/2006     2           ***Final TIL Finance Charge Under Disclosed: Loan Approval indicate the Index is 4.483%. The closet available index in our look-back period is 4.77417%. ***TIL APR Tolerance Irregular Transaction: Loan Approval indicate the Index is 4.483%. The closet available index in our look-back period is 4.77417%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203394650 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Alt   World Savings Bank, FSB 65.000% 65.000% 1 In Arrears 11/24/2007 41.402%   634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1942 $405,000.00 1004/70 11/06/2007 Negative Amortization $263,250.00 7.750% Monthly XX/XX/XXXX 02/15/2008 01/15/2038 360 360 No $1,131.29 Yes 01/15/2011 05/15/2018 02/15/2009 02/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.790% 3.100% 4.200% 4.650% 0.000% 0.000% 4.200% 4.650% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $56.56 HUD 01/03/2008 To Borrower $56,058.66 $56,058.66 No No Escrows $0.00 No                   8.158%   $536,653.10 $254,712.70 XX/XX/XXXX   N/A N/A   H-8 12/24/2007 N/A 12/29/2007           Yes No Pass Pass $6,435.82 $7,371.20 $20,403.22 Pass 8.000% Pass No N/A $7,371.20 $15,302.41 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/03/2008     2 ***Missing Document: Missing Final 1003 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203394670 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 08/16/2005 37.000%   657 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD Attached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1971 $398,000.00 2055 w/ Interior 06/20/2005 Negative Amortization $318,400.00 6.192% Monthly XX/XX/XXXX 10/15/2005 09/15/2035 360 360 No $1,168.93 Yes 10/15/2005 05/15/2018 10/15/2006 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 2.658% 3.700% 5.758% 2.492% 0.000% 0.000% 5.758% 2.492% 11.950% 3.700% 11.950% 3.700% No   36 2% Yes 125.000% Percent 5.000% 15   $58.45 HUD 08/22/2005 To Borrower $80,423.98 $80,423.98 Yes Taxes and Insurance $1,150.08 No                   6.386%   $458,890.62 $309,643.26 XX/XX/XXXX   N/A N/A   H-9 08/16/2005 N/A 08/20/2005           Yes No Pass Fail ($26,117.58) $7,827.35 $24,336.92 Pass 8.000% Pass No N/A $0.00 $22,288.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/16/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.492%. The closest Index available in our look-back period is 2.65833% ***TIL APR Tolerance Irregular Transaction: Closing instructions indicate the Index used was 2.492%. The closest Index available in our look-back period is 2.65833% ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394707 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 64.789% 64.789% 1 In Arrears 03/01/2006 34.741%   671 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1969 $387,000.00 1073/465 03/09/2006 Negative Amortization $230,000.00 6.810% Monthly XX/XX/XXXX 06/01/2006 05/01/2036 360 360 No $844.39 Yes 06/01/2006 05/01/2018 06/01/2007 06/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.450% 5.140% 3.360% 0.000% 0.000% 5.140% 3.360% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 5.000% 15   $42.22 HUD 04/03/2006 To Borrower $6,030.93 $13,131.93 No Taxes $342.16 No                   6.955%   $389,891.80 $224,741.52 XX/XX/XXXX   N/A N/A   H-8 03/29/2006 N/A 04/03/2006 03/06/2006 03/06/2006       Yes No Pass Fail ($20,379.02) $3,943.62 $17,992.40 Pass 8.000% Pass No N/A $3,943.62 $13,494.30 Pass 8.000% Pass No N/A N/A N/A N/A Yes HUD1, not signed or stamped 04/03/2006     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 3.36%. The closest index available in our look-back period is 3.56%. ***Missing Initial Loan Application Test          
203394717 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 63.187% 63.187% 1 In Arrears 05/03/2005     666 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $364,000.00 2055 w/ Interior 05/18/2005 Negative Amortization $230,000.00 5.790% Monthly XX/XX/XXXX 07/15/2005 06/15/2035 360 360 No $793.78 Yes 07/15/2005 05/15/2018 07/15/2006 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.610% 3.400% 6.160% 2.390% 0.000% 0.000% 6.160% 2.390% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $39.69 HUD 06/08/2005 To Borrower $51,004.35 $51,004.35 No Taxes $184.97 No                   5.877%   $303,086.66 $227,240.64 XX/XX/XXXX   N/A N/A   H-8 06/03/2005 N/A 06/08/2005   05/20/2005       Yes No Pass Fail ($18,675.60) $2,209.40 $18,202.81 Pass 8.000% Pass No N/A $6,809.40 $13,652.11 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/09/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394719 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 11/12/2006     627 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NY XXXXXXX XXXXXXX   1978 $440,000.00 1004/70 11/21/2006 Negative Amortization $352,000.00 7.697% Biweekly XX/XX/XXXX 01/15/2007 01/01/2037 361 361 No $607.42 Yes 01/29/2007 05/28/2018 01/14/2008 01/14/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.700% 4.253% 4.997% 0.000% 0.000% 4.253% 4.997% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $30.37 HUD 12/18/2006 To Borrower $1,517.31 $1,517.31 N/A Taxes and Insurance $126.11 No                   7.844%   $574,468.95 $344,943.83 XX/XX/XXXX   N/A N/A   H-8 12/12/2006 N/A 12/16/2006 12/04/2006 12/04/2006       Yes No Pass Fail ($90,675.59) $6,167.00 $27,583.27 Pass 8.000% Pass No N/A $13,207.00 $17,291.65 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/18/2006     2           ***(Missing Data) Unable to determine if loan is a same lender refi ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (NY)-max prepayment for NY is 12 months-note states 36 months. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state of NY.          
203394737 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 55.172% 55.172% 1 In Arrears 07/12/2005 38.000%   544 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1979 $435,000.00 2055 w/ Interior 06/09/2005 Negative Amortization $240,000.00 5.813% Monthly XX/XX/XXXX 09/15/2005 08/15/2035 360 360 No $881.10 Yes 09/15/2005 05/15/2018 09/15/2006 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 2.492% 3.650% 6.137% 2.163% 0.000% 0.000% 6.137% 2.163% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.06 HUD 07/22/2005 To Borrower $15,223.86 $20,555.86 No No Escrows $0.00 No                   5.582%   $307,101.20 $237,857.28 XX/XX/XXXX   N/A N/A   H-8 07/14/2005 N/A 07/19/2005           Yes No Pass Fail ($28,683.26) $511.00 $19,082.68 Pass 8.000% Pass No N/A $5,311.00 $14,312.01 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/22/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: An approval states that the lender used an index of 2.163%. The closest index in the look-back period is 2.49167%. This has resulted in a payment variance of $29,409.48. ***TIL APR Tolerance Irregular Transaction: An approval states that the lender used an index of 2.163%. The closest index in the look-back period is 2.49167% ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394743 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 03/07/2005     598 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1985 $300,000.00 2055 w/ Interior 03/23/2005 Negative Amortization $240,000.00 5.890% Monthly XX/XX/XXXX 05/15/2005 04/15/2035 360 360 No $881.10 Yes 05/15/2005 05/15/2018 05/15/2006 05/15/2018 1 12 GDW-COSI Most recent index available 0.001 Nearest 2.390% 3.700% 6.060% 2.190% 0.000% 0.000% 6.060% 2.190% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.06 HUD 04/11/2005 To Borrower $33,788.53 $34,496.53 Yes Taxes $0.00 No                   6.012%   $315,433.44 $236,144.66 XX/XX/XXXX   N/A N/A   H-9 04/02/2005 N/A 04/07/2005 04/01/2005 04/01/2005       Yes No Pass Fail ($18,072.80) $3,654.50 $18,882.85 Pass 8.000% Pass No N/A $8,454.50 $14,162.13 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/02/2005     2 ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203394748 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank,FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 02/28/2005 24.000%     Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           2 Family 2 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX $470,000.00 1926 $470,000.00 1025/72 03/10/2005 Negative Amortization $376,000.00 5.343% Biweekly XX/XX/XXXX 05/02/2005 04/01/2035 360 360 No $590.20 Yes 05/16/2005 05/16/2018 05/01/2006 05/01/2018 1 12 CODI Most recent index available 0.001 Nearest 1.836% 3.650% 6.607% 1.693% 0.000% 0.000% 6.607% 1.693% 11.950% 3.650% 11.950% 3.650% No   36 2% Yes 125.000% Percent 5.000% 15   $29.51 HUD 04/01/2005 From Borrower $92,801.27   N/A Taxes and Insurance $128.54 No                   5.473%   $346,227.73 $369,760.58 XX/XX/XXXX   N/A N/A       N/A 04/06/2005           No N/A Pass Fail ($36,471.26) $4,946.00 $29,609.26 N/A 8.000% N/A N/A N/A $12,466.00 $18,505.78 N/A 6.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/01/2005     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***Federal FACTA Disclosure Timing Test          
203394769 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 82.133% 82.133% 1 In Arrears 10/01/2006 45.000%   680 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1905 $375,000.00 1004/70 10/17/2006 Negative Amortization $308,000.00 7.447% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,062.98 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.550% 4.503% 4.897% 0.000% 0.000% 4.503% 4.897% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $53.15 HUD 11/06/2006 To Borrower $24,032.49 $24,032.49 No Taxes $1,121.28 No                   7.565%   $614,451.81 $302,982.44 XX/XX/XXXX   N/A N/A   H-8 11/01/2006 N/A 11/06/2006           Yes No Pass Pass $3,558.98 $890.85 $24,523.48 Pass 8.000% Pass No N/A $890.85 $18,392.61 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/06/2006     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203394774 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI SISA   World Savings Bank, FSB, Its Successors and/or Assignees 79.843% 79.843% 1 In Arrears 04/03/2007 38.735%   701 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1998 $382,000.00 1004/70 04/09/2007 Fixed Rate $305,000.00 7.850% Monthly XX/XX/XXXX 06/01/2007 05/01/2037 360 360 No $1,127.34 No     06/01/2008 06/01/2018   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $33.82 HUD 04/16/2007 To Borrower $8,282.01 $9,282.93 No Taxes and Insurance $255.88 No                   7.969%   $643,639.59 $299,694.00 XX/XX/XXXX   N/A N/A   H-8 04/11/2007 N/A 04/16/2007 04/10/2007 04/10/2007       Yes No Pass Fail ($379.30) $5,072.00 $23,915.52 Pass 8.000% Pass No N/A $11,102.00 $15,250.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/11/2007     2           ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.          
203394785 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD XXXXXX Wells Fargo Bank, N.A. 165.407% 165.407% 1 In Arrears 04/21/2013     548 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $174,300.00 Stated   Fixed Rate $288,305.00 4.250% Monthly XX/XX/XXXX 07/01/2013 06/01/2043 360 360 No $1,418.29 No                                             N/A       No   Percent 5.000% 15   $70.91 HUD 05/28/2013 From Borrower $47.08   Yes Taxes and Insurance $596.57 No                   4.250%   $222,411.78 $288,170.72 XX/XX/XXXX Yes N/A N/A Yes H-9 05/21/2013 N/A 05/25/2013 05/21/2013 05/21/2013       Yes No Pass Pass $0.05 $0.00 $23,053.65 Pass 8.000% Pass No N/A $0.00 $17,290.24 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/28/2013     2 ***Missing Valuation:: Appraisal not provided         ***TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application ***RESPA Servicing Disclosure: Servicing Disclosure Statement Missing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA (2010) - Initial Payment on GFE Inaccurate ***RESPA (2010) - Loan Amount on Final GFE Inaccurate ***RESPA - Initial GFE Not Provided Within 3 Business Days of Application ***RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days ***SAFE Act - LO Company NMLS license status not approved ***SAFE Act - Individual LO not licensed at time of application ***SAFE Act - Individual LO NMLS license status not approved ***SAFE Act - LO Company not licensed at time of application ***Missing Initial Loan Application Test          
203394790 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 69.200% 69.200% 1 In Arrears 09/30/2007     622 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1973 $400,000.00 1004/70 09/25/2007 Fixed Rate $276,800.00 7.450% Monthly XX/XX/XXXX 01/01/2008 12/01/2037 360 360 No $1,130.02 No     01/01/2009 01/01/2019   12                                 No       Yes 125.000% Percent 5.000% 15   $56.50 HUD 11/05/2007 To Borrower $18,130.19 $52,468.19 No Taxes and Insurance $483.96 No                   7.623%   $519,884.68 $269,622.50 XX/XX/XXXX   N/A N/A   H-8 10/30/2007 N/A 11/03/2007           Yes No Pass Pass $32.00 $5,733.26 $21,568.64 Pass 8.000% Pass No N/A $5,733.26 $21,568.64 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/30/2007     2           ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Missing Initial Loan Application Test          
203394801 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   Wachovia Mortgage, FSB, a Federal Savings Bank 75.794% 75.794% 1 In Arrears 02/19/2008 42.032%   614 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1967 $252,000.00 1004/70 02/25/2008 Negative Amortization $191,000.00 6.200% Monthly XX/XX/XXXX 04/15/2008 03/15/2038 360 360 No $884.56 Yes 03/15/2011 05/15/2018 04/15/2009 04/15/2019 1 12 W-COSI 30 days 0.000 None 4.740% 2.450% 5.750% 3.750% 0.000% 0.000% 5.750% 3.750% 11.950% 2.450% 11.950% 2.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.23 HUD 03/18/2008 From Borrower $387.93   Yes Taxes and Insurance $0.00 No                   7.002%   $290,061.56 $189,577.74 XX/XX/XXXX   N/A N/A   H-9 03/07/2008 N/A 03/12/2008           Yes No Pass Pass $403.53 $1,363.95 $15,170.88 Pass 8.000% Pass No N/A $1,363.95 $11,378.16 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/18/2008     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203394803 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.000% 79.000% 1 In Arrears 04/20/2004     674 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1972 $301,000.00 2055 w/ Interior 04/29/2004 Negative Amortization $237,790.00 5.250% Monthly XX/XX/XXXX 07/15/2004 06/15/2034 360 360 No $872.99 Yes 07/15/2004 05/15/2018 07/15/2005 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.850% 3.400% 6.700% 1.850% 0.000% 0.000% 6.700% 1.850% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $43.65 HUD 05/13/2004 To Borrower $47,744.13 $47,744.13 No Taxes and Insurance $5,445.04 No                   5.372%   $262,101.39 $233,265.80 XX/XX/XXXX   N/A N/A   H-8 05/07/2004 N/A 05/12/2004           Yes No Pass Pass $250.87 $3,517.90 $18,651.48 Pass 8.000% Pass No N/A $3,517.90 $13,988.61 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/14/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394815 XXXXXXX XXXXXXX Retail Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB 71.250% 71.250% 1 In Arrears 03/28/2006 29.427%   602 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX $400,000.00   $405,000.00 Stated   Negative Amortization $285,000.00 6.560% Biweekly XX/XX/XXXX 06/05/2006 05/22/2036 360 360 No $570.49 Yes 06/19/2006 05/19/2018 06/19/2007 06/19/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.100% 5.390% 3.460% 0.000% 0.000% 5.390% 3.460% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $17.11 HUD 04/28/2006 From Borrower $119,763.01   N/A Taxes and Insurance $0.00 No                   6.607%   $331,599.45 $282,548.44 XX/XX/XXXX   N/A N/A       N/A 05/03/2006 03/16/2006 03/16/2006       Yes N/A Pass Fail ($49,709.34) $1,591.00 $22,574.10 N/A 8.000% N/A N/A N/A $8,646.00 $14,250.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/28/2006     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $331599.45 is underdisclosed from calculated Finance Charge of $347587.51 in the amount of $-15988.06. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.607% is underdisclosed from calculated APR of 6.827% in the amount of -0.22%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203394822 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 81.690% 81.690% 1 In Arrears 08/14/2006     650 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $355,000.00 AVM   Negative Amortization $290,000.00 6.790% Monthly XX/XX/XXXX 11/01/2006 10/01/2036 360 360 No $1,000.85 Yes 11/01/2006 05/01/2018 11/01/2007 11/01/2018 1 12 GDW-COSI Most recent index available 0.000 None   2.850% 5.160% 3.940% 0.000% 0.000% 5.160% 3.940% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $50.04 HUD 09/08/2006 To Borrower $29,277.46 $29,277.46 Yes Taxes and Insurance $1,660.70 No                   6.831%   $501,146.11 $287,595.35 XX/XX/XXXX   N/A N/A   H-9 09/01/2006 N/A 09/07/2006           Yes No Pass Fail ($13,078.74) $1,620.50 $22,966.77 Pass 8.000% Pass No N/A $1,620.50 $17,225.08 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/01/2006     2 ***Missing Valuation:: Appraisal not provided. ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 3.94%. The closest index available in our look-back period is 4.49%. ***TIL APR Tolerance Irregular Transaction: Loan Approval indicates the index used was 3.94%. The closest index available in our look-back period is 4.49%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203394828 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 05/01/2006 40.148%   609 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CT XXXXXXX XXXXXXX   1985 $540,000.00 1004/70 03/27/2006 Negative Amortization $432,000.00 6.810% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $1,729.47 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.450% 5.140% 3.360% 0.000% 0.000% 5.140% 3.360% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $86.47 HUD 05/12/2006 To Borrower $37,530.02 $45,209.02 Yes Taxes and Insurance $1,720.12 No                   6.925%   $691,618.81 $425,955.70 XX/XX/XXXX   N/A N/A   H-9 05/08/2006 N/A 05/12/2006 05/04/2006 05/04/2006       Yes No Pass Fail ($55,716.53) $5,340.50 $34,113.41 Pass 8.000% Pass No N/A $0.00 $0.00 N/A 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/08/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***TIL APR Tolerance Irregular Transaction: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203394830 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.861% 79.861% 1 In Arrears 09/28/2004     664 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1980 $288,000.00 2055 w/ Interior 10/14/2004 Negative Amortization $230,000.00 4.462% Biweekly XX/XX/XXXX 11/29/2004 11/15/2034 360 360 No $580.10 Yes 12/13/2004 05/13/2018 11/28/2005 11/28/2018 1 12 CODI Most recent index available 0.001 Nearest 1.277% 3.250% 7.488% 1.212% 0.000% 0.000% 7.488% 1.212% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $29.01 HUD 11/02/2004 To Borrower $112,173.84 $112,173.84 Yes No Escrows $0.00 No                   4.487%   $155,955.03 $228,892.58 XX/XX/XXXX   N/A N/A   H-9 10/28/2004 N/A 11/02/2004           Yes No Pass Fail ($3,852.32) $389.50 $18,339.52 Pass 8.000% Pass No N/A $389.50 $13,754.64 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/28/2004     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $155,955.03 is underdisclosed from calculated Finance Charge of $157,552.31 in the amount of $1,597.8. Unable to determine under disclosure due to missing itemization of amount financed.          
203394832 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.551% 86.826% 1 In Arrears 05/24/2004 36.810%   697 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2001 $334,000.00 2055 w/ Interior 05/24/2004 Negative Amortization $249,000.00 4.735% Monthly XX/XX/XXXX 08/15/2004 07/15/2034 360 360 No $914.14 Yes 08/15/2004 05/15/2018 08/15/2005 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.083% 3.650% 7.215% 1.085% 0.000% 0.000% 7.215% 1.085% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $45.71 HUD 06/25/2004 To Borrower $64,349.78 $64,349.78 No No Escrows $0.00 No                   4.835%   $236,105.39 $245,175.80 XX/XX/XXXX   N/A N/A   H-8 06/18/2004 N/A 06/23/2004           Yes No Pass Pass $280.36 $3,049.35 $19,621.78 Pass 8.000% Pass No N/A $8,029.35 $14,716.34 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/25/2004     2           ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203394877 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 73.982% 73.982% 1 In Arrears 08/24/2007 36.428%   653 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   2001 $565,000.00 1004/70 08/10/2007 Fixed Rate $418,000.00 7.650% Monthly XX/XX/XXXX 11/01/2007 10/01/2037 360 360 No $1,706.45 No     11/01/2008 11/01/2018   12                                 No       Yes 125.000% Percent 5.000% 15   $85.32 HUD   To Borrower $598.44 $90,914.61 No Taxes and Insurance $0.00 No                   7.817%   $822,846.08 $409,680.17 XX/XX/XXXX   N/A N/A   H-8 09/24/2007 N/A 09/28/2007           Yes No Pass Pass $255.22 $8,127.00 $32,782.83 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/30/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394880 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 70.000% 70.000% 1 In Arrears 09/28/2005 39.585%   655 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1957 $425,000.00 2055 w/ Interior 09/28/2005 Negative Amortization $297,500.00 6.290% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $1,092.20 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.400% 5.660% 2.890% 0.000% 0.000% 5.660% 2.890% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.61 HUD 11/04/2005 To Borrower $13,141.41 $13,141.41 No No Escrows $0.00 No                   6.417%   $437,460.87 $292,246.49 XX/XX/XXXX   N/A N/A   H-8   N/A 11/02/2005           Yes No Pass Fail ($21,289.26) $5,722.00 $23,288.91 Pass 8.000% Pass No N/A $11,672.00 $17,466.68 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/04/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Notice of Right To Cancel Not Provided to All Required Parties ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06% ***Right of Rescission Timing - Receipt Date Missing ***CHARM Booklet Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test ***(Doc Error) TIL Error: Final TIL not signed by all required parties ***(Doc Error) TIL Error: Borrower signature not dated.          
203394885 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 49.566% 49.566% 1 In Arrears 10/11/2006     562 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $403,500.00 Stated   Negative Amortization $200,000.00 6.997% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $739.24 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.100% 4.953% 4.897% 0.000% 0.000% 4.953% 4.897% 11.950% 2.100% 11.950% 2.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $36.96 HUD 11/14/2006 To Borrower $3,235.36 $3,235.36 Yes No Escrows $0.00 No                   7.056%   $352,535.04 $197,435.64 XX/XX/XXXX   N/A N/A   H-9 11/09/2006 N/A 11/16/2006           Yes No Pass Fail ($9,030.94) $1,615.50 $15,775.67 Pass 8.000% Pass No N/A $1,615.50 $11,831.75 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/10/2006     2 ***Missing Valuation:: Appraisal not provided         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 4.897%. The lowest Index available within the look-back period is 4.99667% ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***ARM Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394896 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   Wachovia Mortgage, FSB 80.000% 80.000% 1 In Arrears 02/05/2008     640 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1913 $385,000.00 1004/70 02/28/2008 Negative Amortization $308,000.00 6.800% Monthly XX/XX/XXXX 04/15/2008 03/15/2038 360 360 No $1,340.44 Yes 03/15/2011 05/15/2018 04/15/2009 04/15/2019 1 12 W-COSI 30 days 0.000 None 4.740% 3.100% 5.150% 3.700% 0.000% 0.000% 5.150% 3.700% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $67.02 HUD 03/10/2008 To Borrower $27,629.78 $27,629.78 No No Escrows $0.00 No                   7.752%   $571,589.93 $301,791.34 XX/XX/XXXX   N/A N/A   H-8 03/05/2008 N/A 03/10/2008           Yes No Pass Pass $280.75 $6,016.00 $24,135.76 Pass 8.000% Pass No N/A $6,016.00 $18,101.82 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/10/2008     2 ***Missing Document: Missing Final 1003 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203394898 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 72.816% 72.816% 1 In Arrears 11/21/2001     545 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CO XXXXXXX XXXXXXX   1977 $206,000.00 1004/70 12/03/2001 Negative Amortization $150,000.00 6.600% Monthly XX/XX/XXXX 02/01/2002 01/01/2032 360 360 No $957.99 Yes 01/01/2005 05/01/2018 02/01/2005 02/01/2019 1 12 CODI Most recent index available 0.001 Nearest 4.072% 2.500% 5.350% 4.100% 0.000% 0.000% 5.350% 4.100% 11.950% 2.500% 11.950% 2.500% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.90 HUD 12/14/2001 To Borrower $32,368.37 $32,368.37 No Taxes and Insurance $1,364.23 No                   6.746%   $197,093.08 $146,935.84 XX/XX/XXXX   N/A N/A   H-8 12/10/2001 N/A 12/14/2001           Yes No Pass Pass $53.80 $2,527.30 $11,759.66 Pass 10.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/10/2001     1 ***Missing Document: Missing Final 1003                    
203394899 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings And Loan Association, A Federal Savings Bank, Its Successors and/or Assignees 68.531% 68.531% 1 In Arrears 10/26/2007     677 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1881 $715,000.00 1004/70 11/20/2007 Fixed Rate $490,000.00 7.850% Monthly XX/XX/XXXX 01/01/2008 12/01/2037 360 360 No $2,039.53 No     01/01/2009 01/01/2019   12                                 No   36 2% Yes 125.000% Percent 5.000% 15   $101.98 HUD 11/30/2007 To Borrower $3,652.60 $3,652.60 No Taxes and Insurance $1,192.94 No                   7.948%   $997,018.13 $484,372.62 XX/XX/XXXX   N/A N/A   H-8 11/26/2007 N/A 11/30/2007           Yes No Pass Pass $176.62 $5,492.00 $38,752.20 Pass 8.000% Pass No N/A $12,842.00 $24,220.13 Pass 6.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/26/2007     2           ***Missing Initial Loan Application Test          
203394910 XXXXXXX XXXXXXX Broker Refinance Rate/Term Investment Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 69.267% 69.267% 1 In Arrears 02/23/2006 24.000%   679 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1965 $423,000.00 1004/70 03/16/2006 Negative Amortization $293,000.00 6.860% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,112.52 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.500% 5.390% 3.360% 0.000% 0.000% 5.390% 3.360% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $66.75 HUD 03/27/2006 To Borrower $0.00 $0.00 No Taxes and Insurance $212.64 No                           XX/XX/XXXX   N/A N/A       N/A 03/28/2006           No N/A     $0.00 $2,064.90 $23,191.10 N/A 8.000% N/A N/A N/A $2,064.90 $17,393.32 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/27/2006     2           ***Missing Initial Loan Application Test          
203394926 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 70.000% 70.000% 1 In Arrears 06/09/2004 24.000%   578 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1992 $355,000.00 2055 w/ Interior 06/30/2004 Negative Amortization $248,500.00 5.250% Biweekly XX/XX/XXXX 08/30/2004 08/16/2034 361 361 No $456.16 Yes 09/13/2004 05/13/2018 08/29/2005 08/29/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.910% 3.400% 6.700% 1.850% 0.000% 0.000% 6.700% 1.850% 11.950% 3.400% 11.950% 3.400% No       Yes 125.000% Percent 3.000% 15   $13.68 HUD 07/30/2004 To Borrower $33,580.72 $33,580.72 No No Escrows $0.00 No                   5.472%   $226,018.02 $241,995.22 XX/XX/XXXX   N/A N/A   H-8 07/26/2004 N/A 07/30/2004           Yes No Pass Pass $12,195.98 $5,549.50 $18,989.69 Pass 8.000% Pass No N/A $5,549.50 $12,425.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/26/2004     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $226018.02 is underdisclosed from calculated Finance Charge of $231682.18 in the amount of $5664.16. The approval reflects an index of 1.85% was used however 1.88% is the lowest available in the lookback period. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing          
203394934 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 74.725% 74.725% 1 In Arrears 04/26/2005     572 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $455,000.00 Stated   Negative Amortization $340,000.00 5.370% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $1,248.23 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.610% 2.850% 6.580% 2.520% 0.000% 2.850% 6.580% 2.520% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $62.41 HUD 06/20/2005 To Borrower $96,227.37 $96,227.37 Yes Taxes and Insurance $0.54 No                   5.395%   $383,724.20 $337,471.92 XX/XX/XXXX   N/A N/A   H-9 06/15/2005 N/A 06/20/2005           Yes No Pass Fail ($9,508.07) $1,355.50 $26,991.52 Pass 8.000% Pass No N/A $1,355.50 $20,243.64 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/21/2005     2 ***Missing Valuation:: Appraisal not provided         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing          
203394953 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 01/03/2006     725 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $440,000.00 1004/70 12/06/2005 Negative Amortization $352,000.00 6.690% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,372.60 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.550% 5.260% 3.140% 0.000% 0.000% 5.260% 3.140% 11.950% 3.550% 11.950% 3.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $68.63 HUD 01/26/2006 To Borrower $10,808.77 $49,181.77 No Taxes and Insurance $2,152.57 No                   6.815%   $556,712.82 $345,334.04 XX/XX/XXXX   N/A N/A   H-8 01/20/2006 N/A 01/25/2006 01/04/2006 01/04/2006       Yes No Pass Fail ($33,523.94) $5,807.00 $27,587.04 Pass 8.000% Pass No N/A $16,367.00 $20,690.28 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/26/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 3.14%. The closest Index available in our look-back period is 3.36%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394954 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   WORLD SAVINGS BAN, FSB, A FEDERAL SAVINGS BANK 72.072% 72.072% 1 In Arrears 12/24/2006 34.360%   706 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NV XXXXXXX XXXXXXX   1977 $555,000.00 2055 w/ Interior 12/04/2006 Negative Amortization $400,000.00 7.253% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $1,380.49 Yes 03/15/2007 05/15/2018 03/15/2008 03/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.153% 2.100% 4.697% 5.153% 0.000% 0.000% 4.697% 5.153% 11.950% 2.100% 11.950% 2.100% No       Yes 125.000% Percent 5.000% 15   $69.02 HUD 01/29/2007 To Borrower $2,765.24 $104,237.03 Yes No Escrows $0.00 No                   7.350%   $781,600.10 $393,781.34 XX/XX/XXXX   N/A N/A   H-9 01/24/2007 N/A 01/29/2007           Yes No Pass Pass $168.30 $5,274.35 $31,469.95 Pass 8.000% Pass No N/A $5,274.35 $31,469.95 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/29/2007     2           ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203394960 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.973% 73.973% 1 In Arrears 02/14/2006 33.742%   648 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $365,000.00 1025/72 03/08/2006 Negative Amortization $270,000.00 6.760% Biweekly XX/XX/XXXX 04/24/2006 04/10/2036 360 360 No $540.46 Yes 05/08/2006 05/08/2018 04/23/2007 04/23/2019 1 12 GDW-COSI 30 days 0.000 None 3.460% 3.400% 5.190% 3.360% 0.000% 0.000% 5.190% 3.360% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $16.21 HUD 03/20/2006 To Borrower $425.17 $15,740.17 No Taxes and Insurance $1,183.17 No                   6.991%   $334,129.53 $262,627.06 XX/XX/XXXX   N/A N/A   H-8 03/14/2006 N/A 03/18/2006           Yes No Pass Fail ($41,110.60) $7,035.00 $20,952.96 Pass 8.000% Pass No N/A $12,365.00 $13,500.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/14/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $334129.53 is underdisclosed from calculated Finance Charge of $342085.7 in the amount of $-7956.17. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.46%. Truth In Lending Act: Final TIL APR of 6.991% is underdisclosed from calculated APR of 7.129% in the amount of -0.138%. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.46%. ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is World Savings Bank, FSB, a Federal Savings Bank ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203394965 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 63.291% 63.291% 1 In Arrears 10/04/2005 34.286%   684 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1996 $395,000.00 2055 w/ Interior 10/19/2005 Negative Amortization $250,000.00 6.340% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $949.26 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.450% 5.610% 2.890% 0.000% 0.000% 5.610% 2.890% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.46 HUD 11/09/2005 To Borrower $93,412.86 $120,386.86 No Taxes $0.00 No                   6.471%   $365,096.20 $245,857.48 XX/XX/XXXX   N/A N/A   H-8 11/04/2005 N/A 11/09/2005           Yes No Pass Fail ($16,860.40) $3,758.00 $19,678.51 Pass 8.000% Pass No N/A $3,758.00 $19,678.51 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/04/2005     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203394987 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 03/01/2006 41.251%   696 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1990 $346,000.00 1004/70 03/06/2006 Misc. ARM $276,800.00 5.750% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,615.33 Yes 10/15/2006 10/15/2018 11/15/2006 05/15/2018 6 6 CODI 45 days 0.001 Nearest 3.674% 3.200% 1.000% 1.000% 1.000% 1.000% 6.500% 2.550% 6.750% 4.750% 12.250% 3.200% N/A       No   Percent 5.000% 15   $80.77 HUD   To Borrower $2,850.13 $71,255.72 No No Escrows $0.00 No                   6.929%   $379,984.16 $272,333.61 XX/XX/XXXX   N/A N/A   H-8 03/26/2006 N/A 03/30/2006           Yes No Pass Pass $315.73 $3,445.00 $21,812.57 Pass 8.000% Pass No N/A $3,446.00 $21,812.57 N/A 8.000% N/A N/A N/A N/A No N/A Yes Final HUD1 03/25/2006     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely): The notary date is after the AFMV signature date. ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***ARM Disclosure Prior to Closing Timing ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test          
203395006 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 78.355% 78.355% 1 In Arrears 04/20/2005 35.000%   685 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1980 $462,000.00 2055 w/ Interior 05/02/2005 Negative Amortization $362,000.00 5.790% Monthly XX/XX/XXXX 07/01/2005 06/01/2035 360 360 No $1,328.99 Yes 07/01/2005 05/01/2018 07/01/2006 07/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.520% 3.400% 6.160% 2.390% 0.000% 0.000% 6.160% 2.390% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $66.45 HUD 05/18/2005 To Borrower $3,344.77 $3,344.77 No No Escrows $0.00 No                   5.825%   $459,437.63 $359,585.10 XX/XX/XXXX   N/A N/A   H-8 05/13/2005 N/A 05/18/2005 04/25/2005 04/25/2005       Yes No Pass Fail ($16,343.54) $1,578.00 $28,769.44 Pass 8.000% Pass No N/A $8,818.00 $21,577.08 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/19/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203395008 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Investment Conventional without MI UTD   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 12/26/2005 41.176%   755 Fee Simple XXXXXX XXXXXX   XXXXXX                     3 Family 3 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1910 $418,000.00 1025/72 12/21/2005 Negative Amortization $313,500.00 6.640% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,321.73 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.500% 5.610% 3.140% 0.000% 0.000% 5.610% 3.140% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $79.30 HUD 02/01/2006 To Borrower $46,448.95 $46,448.95 N/A No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 01/31/2006           No N/A     $0.00 $5,457.00 $24,552.19 N/A 8.000% N/A N/A N/A $17,927.00 $15,675.00 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/26/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test          
203395014 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 10/19/2005 42.300%   670 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1923 $500,000.00 1004/70 10/01/2005 Negative Amortization $400,000.00 6.125% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,518.81 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.100% 5.825% 3.025% 0.000% 0.000% 5.825% 3.025% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $75.94 HUD 11/28/2005 To Borrower $47,012.03 $47,012.03 No Taxes and Insurance $261.47 No                   6.216%   $549,636.64 $393,934.96 XX/XX/XXXX   N/A N/A   H-8 11/19/2005 N/A 11/25/2005           Yes No Pass Fail ($17,589.80) $4,668.35 $31,535.31 Pass 8.000% Pass No N/A $8,671.35 $23,651.48 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/28/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203395032 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 05/16/2006 37.935%   620 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1976 $410,000.00 1004/70 05/17/2006 Negative Amortization $328,000.00 6.460% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $1,228.82 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 2.800% 5.490% 3.660% 0.000% 0.000% 5.490% 3.660% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $61.44 HUD 05/30/2006 To Borrower $10,555.63 $16,764.45 Yes Taxes and Insurance $814.23 No                   6.642%   $501,725.76 $319,704.90 XX/XX/XXXX   N/A N/A   H-9 05/22/2006 N/A 05/26/2006 05/16/2006 07/16/2006       Yes No Pass Fail ($17,266.23) $6,830.95 $25,600.95 Pass 8.000% Pass No N/A $6,830.95 $19,200.71 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/26/2006     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 3.66%. The closest Index available in our look-back period is 3.79%.          
203395041 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 65.432% 65.432% 1 In Arrears 01/10/2006 31.145%   632 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1948 $405,000.00 1004/70 01/13/2006 Negative Amortization $265,000.00 6.640% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $946.70 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.360% 3.400% 5.310% 3.240% 0.000% 0.000% 5.310% 3.240% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $28.40 HUD 02/06/2006 To Borrower $39,454.72 $39,454.72 No No Escrows $0.00 No                   6.741%   $433,737.73 $261,285.11 XX/XX/XXXX   N/A N/A   H-8 02/01/2006 N/A 02/06/2006 01/24/2006 01/24/2006       Yes No Pass Fail ($13,486.53) $2,949.50 $20,893.32 Pass 8.000% Pass No N/A $9,504.50 $13,250.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/01/2006     2           ***Final TIL Finance Charge Under Disclosed: Approvals indicate the Index used was 3.24%. The closest Index available in our look-back period is 3.36%. ***CHARM Booklet Disclosure Status ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203395049 XXXXXXX XXXXXXX Retail Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB 77.143% 77.143% 1 In Arrears 08/06/1993 40.000%   520 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           2 Family 2 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX $175,000.00 1975 $175,000.00 1025/72 08/23/1993 Negative Amortization $135,000.00 6.348% Biweekly XX/XX/XXXX 10/18/1993 10/04/2023 361 361 No $419.93 Yes 01/10/1994 05/10/2018 10/17/1994 10/17/2018 1 12 11th District COFI Most recent index available 0.000 None 3.998% 2.350% 5.602% 3.998% 0.000% 0.000% 5.602% 3.998% 11.950% 2.350% 11.950% 2.350% No       Yes 125.000% Percent 5.000% 15   $21.00 HUD 09/17/1993 From Borrower $40,761.23   N/A Taxes $1,080.00 No                   6.384%   $130,473.72 $134,152.84 XX/XX/XXXX   N/A N/A       N/A 09/22/1993           No N/A Pass Fail ($1,694.47) $645.50 $0.00 N/A   N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/17/1993     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $130,473.72 is underdisclosed from calculated Finance Charge of $130582.75 in the amount of $109.03.          
203395053 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 01/26/2006 35.180%     Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $417,000.00 1951 $417,000.00 1004/70 02/10/2006 Negative Amortization $333,600.00 6.490% Biweekly XX/XX/XXXX 04/03/2006 03/20/2036 360 360 No $650.43 Yes 04/17/2006 05/17/2018 04/02/2007 04/02/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.250% 5.460% 3.240% 0.000% 0.000% 5.460% 3.240% 11.950% 3.250% 11.950% 3.250% No   36 2% Yes 125.000% Percent 5.000% 15   $32.52 HUD 03/03/2006 From Borrower $87,863.70   N/A Taxes and Insurance $0.00 No                   6.786%   $397,259.13 $322,370.38 XX/XX/XXXX   N/A N/A       N/A 03/02/2006           Yes N/A Pass Fail ($58,601.16) $10,159.50 $25,789.58 N/A 8.000% N/A N/A N/A $15,163.50 $19,342.19 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/07/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $397,259.13 is underdisclosed from calculated Finance Charge of $415029.75 in the amount of $17770.62. Closing instructions indicate the Index used was 3.24%. The closest Index available in our look-back period is 3.46% ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395055 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.326% 79.326% 1 In Arrears 07/13/2007     676 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1994 $445,000.00 1004/70 03/05/2007 Negative Amortization $353,000.00 7.760% Monthly XX/XX/XXXX 09/15/2007 08/15/2037 360 360 No $1,135.39 Yes 09/15/2007 05/15/2018 09/15/2008 09/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.850% 4.190% 4.910% 0.000% 0.000% 4.190% 4.910% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $56.77 HUD 07/26/2007 To Borrower $421.68 $693.68 No Taxes and Insurance $291.64 No                   7.918%   $725,210.18 $344,808.95 XX/XX/XXXX   N/A N/A   H-8 07/20/2007 N/A 07/25/2007           Yes No Pass Pass $1,748.18 $6,731.00 $27,575.43 Pass 8.000% Pass No N/A $6,406.00 $20,681.57 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/26/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure          
203395057 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 82.051% 82.051% 1 In Arrears 06/28/2006 39.890%   690 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1948 $585,000.00 1004/70 07/14/2006 Negative Amortization $480,000.00 7.190% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $1,656.58 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.400% 4.760% 3.790% 0.000% 0.000% 4.760% 3.790% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $82.83 HUD 08/04/2006 To Borrower $0.00 $7,567.26 No No Escrows $0.00 No                   7.267%   $921,508.52 $474,153.85 XX/XX/XXXX   N/A N/A   H-8 07/28/2006 N/A 08/02/2006           Yes No Pass Fail ($38,678.02) $4,864.27 $37,927.65 Pass 8.000% Pass No N/A $4,864.27 $28,445.74 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 07/28/2006     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11%. ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 4.11% ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395070 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.860% 80.860% 1 In Arrears 08/09/2006 38.255%   768 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2000 $465,000.00 1004/70 08/04/2006 Negative Amortization $376,000.00 7.383% Monthly XX/XX/XXXX 10/01/2006 09/01/2036 360 360 No $1,297.66 Yes 10/01/2006 05/01/2018 10/01/2007 10/01/2018 1 12 CODI Most recent index available 0.001 Nearest 4.640% 2.900% 4.567% 4.483% 0.000% 0.000% 4.567% 4.483% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $64.88 HUD 08/25/2006 To Borrower $126,620.09 $126,620.09 No Taxes $851.78 No                   7.495%   $745,579.11 $370,822.00 XX/XX/XXXX   N/A N/A   H-8 08/21/2006 N/A 08/25/2006 08/17/2006 08/17/2006       Yes No Pass Fail ($10,243.22) $4,923.00 $29,643.56 Pass 8.000% Pass No N/A $4,923.00 $22,232.67 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/25/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 4.483%. The lowest Index available within the look-back period is 4.64. ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395071 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 54.976% 54.976% 1 In Arrears 09/23/2006 50.000%   669 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $422,000.00 2055 (Exterior Only) 10/03/2006 Negative Amortization $232,000.00 7.740% Monthly XX/XX/XXXX 12/01/2006 11/01/2036 360 360 No $800.68 Yes 12/01/2006 05/01/2018 12/01/2007 12/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.490% 3.400% 4.210% 4.340% 0.000% 0.000% 4.210% 4.340% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.03 HUD 11/08/2006 To Borrower $0.23 $6,957.38 Yes Taxes and Insurance $15.28 No                   8.015%   $481,439.80 $223,567.70 XX/XX/XXXX   N/A N/A   H-9 10/23/2006 N/A 10/27/2006           Yes No Pass Fail ($8,393.35) $7,659.35 $17,939.68 Pass 8.000% Pass No N/A $7,659.35 $13,454.76 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/23/2006     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure          
203395083 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 73.550% 73.550% 1 In Arrears 10/29/2004     530 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2000 $400,000.00 2055 w/ Interior 11/11/2004 Negative Amortization $294,200.00 4.927% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $1,080.08 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.355% 3.650% 7.023% 1.277% 0.000% 0.000% 7.023% 1.277% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.00 HUD 12/03/2004 To Borrower $24.65 $28,695.65 No Taxes $503.82 No                   5.043%   $295,106.46 $289,486.56 XX/XX/XXXX   N/A N/A   H-8 11/29/2004 N/A 12/03/2004           Yes No Pass Fail ($11,103.04) $4,847.00 $22,766.91 Pass 8.000% Pass No N/A $10,731.00 $17,075.18 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/03/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 1.277%. The closest Index available in our look-back period is 1.355%. ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***(Doc Error) Initial GFE not provided          
203395096 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 57.263% 57.263% 1 In Arrears 04/02/2007     544 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   2002 $475,000.00 1004/70 04/18/2007 Negative Amortization $272,000.00 7.876% Monthly XX/XX/XXXX 06/15/2007 05/15/2037 360 360 No $938.73 Yes 06/15/2007 05/15/2018 06/15/2008 06/15/2018 1 12 11th District COFI Most recent index available 0.000 None 4.299% 3.500% 4.074% 4.376% 0.000% 0.000% 4.074% 4.376% 11.950% 3.500% 11.950% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $46.94 HUD 05/07/2007 To Borrower $25,214.30 $40,014.30 No No Escrows $0.00 No                   8.095%   $571,631.16 $264,456.10 XX/XX/XXXX   N/A N/A   H-8 05/02/2007 N/A 05/07/2007           Yes No Pass Pass $5,173.35 $7,257.00 $21,141.87 Pass 8.000% Pass No N/A $7,257.00 $21,141.87 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/01/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203395104 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 79.245% 79.245% 1 In Arrears 04/24/2006 28.250%   665 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1999 $530,000.00 1004/70 05/17/2006 Negative Amortization $420,000.00 6.960% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $1,681.43 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.400% 4.990% 3.560% 0.000% 0.000% 4.990% 3.560% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $50.44 HUD 05/30/2006 To Borrower $1,143.22 $1,143.22 N/A Taxes and Insurance $792.58 No                   6.989%   $696,371.63 $417,286.56 XX/XX/XXXX   N/A N/A   H-8 05/24/2006 N/A 05/30/2006 05/12/2006 05/12/2006       Yes No Pass Fail ($42,570.07) $1,282.00 $33,394.92 Pass 8.000% Pass No N/A $20,112.00 $21,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/24/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***(Missing Data) Unable to determine if loan is a same lender refi ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.56%. The closest Index available in our look-back period is 3.79%;          
203395123 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 09/10/2007 38.700%   691 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1928 $430,000.00 1004/70 10/01/2007 Negative Amortization $344,000.00 7.900% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $1,262.91 Yes 12/01/2007 05/01/2018 12/01/2008 12/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.790% 3.050% 4.050% 4.850% 0.000% 0.000% 4.050% 4.850% 11.950% 3.050% 11.950% 3.050% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $63.15 HUD 10/15/2007 To Borrower $7,868.18 $7,868.18 No No Escrows $0.00 No                   8.070%   $729,691.45 $335,847.35 XX/XX/XXXX   N/A N/A   H-8 10/10/2007 N/A 10/15/2007           Yes No Pass Pass $3,863.44 $7,090.00 $26,851.54 Pass 8.000% Pass No N/A $7,090.00 $20,138.66 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/18/2007     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203395132 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/18/2006 48.577%   526 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1924 $429,000.00 1004/70 10/17/2006 Negative Amortization $343,200.00 7.547% Monthly XX/XX/XXXX 01/01/2007 12/01/2036 360 360 No $1,268.54 Yes 01/01/2007 05/01/2018 01/01/2008 01/01/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.550% 4.403% 4.997% 0.000% 0.000% 4.403% 4.997% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $63.43 HUD 11/27/2006 To Borrower $36.57 $8,604.01 No No Escrows $0.00 No                   7.751%   $700,233.41 $334,120.36 XX/XX/XXXX   N/A N/A   H-8 11/18/2006 N/A 11/24/2006           Yes No Pass Pass $7,359.14 $1,595.11 $27,288.65 Pass 8.000% Pass No N/A $1,595.11 $20,466.49 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/27/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203395134 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 70.000% 70.000% 1 In Arrears 02/25/2004 45.000%   639 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1984 $333,000.00 2055 w/ Interior 03/02/2004 Negative Amortization $233,100.00 5.250% Biweekly XX/XX/XXXX 04/19/2004 04/05/2034 360 360 No $427.89 Yes 05/03/2004 05/03/2018 04/18/2005 04/18/2019 1 12 GDW-COSI Most recent index available 0.000 None 1.850% 3.400% 6.700% 1.850% 0.000% 0.000% 6.700% 1.850% 11.950% 3.400% 11.950% 3.400% No       Yes 125.000% Percent 5.000% 15   $21.39 HUD 03/17/2004 To Borrower $18,865.34 $18,865.34 No Taxes $90.75 No                   5.399%   $210,306.23 $228,703.10 XX/XX/XXXX   N/A N/A   H-8 03/11/2004 N/A 03/16/2004           Yes No Pass Fail ($12,094.82) $4,013.00 $18,273.16 Pass 8.000% Pass No N/A $8,675.00 $13,704.87 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/11/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing          
203395142 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 75.000% 75.000% 1 In Arrears 04/04/2003 30.853%   642 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $280,000.00 Stated   Negative Amortization $210,000.00 4.736% Monthly XX/XX/XXXX 07/15/2003 06/15/2033 360 360 No $829.76 Yes 07/15/2003 05/15/2018 07/15/2004 07/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.533% 3.150% 7.214% 1.586% 0.000% 0.000% 7.214% 1.586% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.49 HUD 05/21/2003 To Borrower $13,157.74 $13,157.74 Yes Taxes and Insurance $279.52 No                   4.949%   $197,666.37 $204,003.75 XX/XX/XXXX   N/A N/A   H-9 05/16/2003 N/A 05/21/2003           Yes No Pass Pass $2,749.02 $5,811.85 $16,280.78 Pass 8.000% Pass No N/A $5,811.85 $12,210.58 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/21/2003     2 ***Missing Valuation:: Appraisal not provided. ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203395153 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI NINA   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 09/11/2000     598 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1994 $265,000.00 2055 w/ Interior 09/20/2000 Misc. ARM $212,000.00 7.500% Monthly XX/XX/XXXX 11/01/2000 10/01/2030 360 360 No $1,482.34 Yes 04/01/2001 10/01/2018 05/01/2001 05/01/2018 6 6 11th District COFI 45 days 0.000 None 5.456% 2.950% 1.000% 1.000% 1.000% 1.000% 4.750% 4.094% 8.500% 6.500% 12.250% 3.406% N/A       No   Percent 5.000% 15   $74.12 HUD 09/29/2000 To Borrower $74,600.22 $74,600.22 Yes No Escrows $0.00 No                   8.480%   $371,005.29 $209,512.88 XX/XX/XXXX   N/A N/A   H-9 09/25/2000 N/A 09/29/2000           Yes No Pass Fail ($86.51) $2,493.30 $16,754.15 Pass 10.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A No N/A Yes Final HUD1 09/25/2000     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.          
203395158 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 01/19/2005 39.920%   632 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1981 $360,000.00 2055 w/ Interior 02/01/2005 Negative Amortization $270,000.00 5.530% Monthly XX/XX/XXXX 03/15/2005 02/15/2035 360 360 No $991.24 Yes 03/15/2005 05/15/2018 03/15/2006 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 2.190% 3.450% 6.420% 2.080% 0.000% 0.000% 6.420% 2.080% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $49.56 HUD 02/11/2005 To Borrower $30,122.82 $30,122.82 No Taxes $749.59 No                   5.580%   $318,540.68 $268,153.45 XX/XX/XXXX   N/A N/A   H-8 02/07/2005 N/A 02/11/2005           Yes No Pass Fail ($9,432.30) $1,551.00 $21,462.82 Pass 8.000% Pass No N/A $6,958.30 $16,097.12 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/09/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395173 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Alt   World Savings Bank, FSB , a Federal Savings Bank 74.962% 84.854% 1 In Arrears 04/03/2005 46.950%   707 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX $454,900.00 1970 $455,000.00 2055 w/ Interior 03/25/2005 Negative Amortization $341,000.00 5.680% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $1,428.50 Yes 06/15/2005 05/15/2018 06/15/2006 06/15/2018 1 12 GDW-COSI 30 days 0.000 None 2.520% 3.400% 6.270% 2.280% 0.000% 0.000% 6.270% 2.280% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $71.43 HUD 05/03/2005 From Borrower $122,866.39   N/A Taxes and Insurance $623.61 No                   5.721%   $396,669.65 $338,722.16 XX/XX/XXXX   N/A N/A       N/A 05/07/2005 03/14/2005 03/14/2005       Yes N/A Pass Fail ($23,642.61) $923.00 $27,155.21 N/A 8.000% N/A N/A N/A $8,323.00 $15,320.38 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/03/2005     2 ***Missing Document: Missing Final 1003         ***(Doc Error) TIL Error: Borrower signature not dated. ***Final TIL Finance Charge Under Disclosed: Loan Approval indicate the Index used was 2.28%. The closest Index available in our look-back period is 2.52%. ***Missing Initial Loan Application Test          
203395180 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 04/05/2007 41.680%   625 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1958 $440,000.00 1004/70 03/13/2007 Negative Amortization $352,000.00 7.820% Monthly XX/XX/XXXX 07/15/2007 06/15/2037 360 360 No $1,132.18 Yes 07/15/2007 05/15/2018 07/15/2008 07/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.910% 2.900% 4.130% 4.920% 0.000% 0.000% 4.130% 4.920% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $33.97 HUD 05/31/2007 To Borrower $59,356.62 $68,803.62 No Taxes and Insurance $633.42 No                   7.952%   $728,617.01 $345,366.85 XX/XX/XXXX   N/A N/A   H-8 05/25/2007 N/A 05/31/2007 05/14/2007 05/14/2007       Yes No Pass Pass $2,802.62 $4,230.00 $27,731.10 Pass 8.000% Pass No N/A $11,197.00 $17,600.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/25/2007     2           ***Federal FACTA Disclosure Timing Test ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement          
203395192 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.000% 99.998% 1 In Arrears 05/30/2006     708 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MN XXXXXXX XXXXXXX $553,040.00 2006 $554,000.00 1004/70 06/02/2006 Negative Amortization $414,780.00 7.240% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $1,771.18 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.450% 4.710% 3.790% 0.000% 0.000% 4.710% 3.790% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 5.000% 15   $88.56 HUD 06/30/2006 From Borrower $57,495.74   N/A Insurance $67.26 No                   7.261%   $708,254.57 $412,523.95 XX/XX/XXXX   N/A N/A       N/A 07/06/2006           No N/A Pass Fail ($27,650.95) $802.00 $33,012.93 N/A 8.000% N/A N/A N/A $1,727.17 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/29/2006     2           ***ARM Disclosure Timing ***Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): PPP Expired. Prepayment charge not allowed per state (MN) - max prepayment charge for MN ARM loan is 2% or 60 days interest whichever is higher - note states 2%, 2%, 2%. Lender is World Savings Bank, F.S.B. ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 3.94%. ***CHARM Booklet Disclosure Status          
203395200 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 12/21/2004     676 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $325,000.00 2055 (Exterior Only) 01/10/2005 Negative Amortization $260,000.00 5.151% Monthly XX/XX/XXXX 03/15/2005 02/15/2035 360 360 No $954.53 Yes 03/15/2005 05/15/2018 03/15/2006 03/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.563% 3.700% 6.799% 1.451% 0.000% 0.000% 6.799% 1.451% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.73 HUD 01/26/2005 To Borrower $113,510.51 $113,510.51 No Taxes $602.50 No                   5.218%   $276,707.59 $257,051.82 XX/XX/XXXX   N/A N/A   H-8 01/20/2005 N/A 01/25/2005           Yes No Pass Fail ($7,307.57) $665.00 $20,685.16 Pass 8.000% Pass No N/A $5,865.00 $15,513.87 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/18/2005     2 ***Missing Document: Missing Final 1003         ***Federal FACTA Disclosure Timing Test ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 1.45%. The lowest Index available within the look-back period is 1.56333%. ***ARM Disclosure Timing          
203395213 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.676% 75.676% 1 In Arrears 06/01/2005 30.529%   650 Fee Simple XXXXXX XXXXXX   XXXXXX                     Townhouse 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1945 $370,000.00 1004/70 04/15/2005 Negative Amortization $280,000.00 5.646% Monthly XX/XX/XXXX 09/01/2005 08/01/2035 360 360 No $966.34 Yes 09/01/2005 05/01/2018 09/01/2006 09/01/2018 1 12 CODI Most recent index available 0.001 Nearest 2.332% 3.650% 6.304% 1.996% 0.000% 0.000% 6.304% 1.996% 11.950% 3.650% 11.950% 3.650% No   36 2% Yes 125.000% Percent 5.000% 15   $48.32 HUD   To Borrower $125,866.11 $125,866.11 No Taxes $1,125.83 No                   5.703%   $352,932.43 $277,680.83 XX/XX/XXXX   N/A N/A   H-8 07/09/2005 N/A 07/14/2005           Yes No Pass Fail ($35,778.50) $1,970.00 $22,180.03 Pass 8.000% Pass No N/A $0.00 $19,600.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/09/2005     2 ***Missing Document: Missing Final 1003         ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 1.996%. The closest Index available in our look-back period is 2.33167% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.996%. The closest Index available in our look-back period is 2.33167%          
203395227 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   Wachovia Mortgage, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 12/03/2007     656 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1974 $420,000.00 1004/70 11/07/2007 Fixed Rate $336,000.00 7.150% Monthly XX/XX/XXXX 03/01/2008 02/01/2038 360 360 No $1,443.92 No     03/01/2009 03/01/2019   12                                 No   12 2% Yes 125.000% Percent 5.000% 15   $72.20 HUD         No UTD $0.00 No                   7.332%   $565,261.94 $327,546.60 XX/XX/XXXX   N/A N/A   H-8 01/04/2008 N/A 01/09/2008           Yes No Pass Pass $8,453.39 $0.00 $26,880.00 Pass 8.000% Pass No N/A $0.00 $20,160.00 Pass 8.000% Pass No N/A N/A N/A N/A No Missing       3           ***Missing Final HUD-1: No Document Used For Fee Testing ***Missing Initial Loan Application No Fees ***Disbursement Date Missing          
203395240 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 59.829% 59.829% 1 In Arrears 03/28/2005     704 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1968 $468,000.00 1004/70 03/28/2005 Misc. ARM (I/O) $280,000.00 4.750% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $1,108.33 Yes 11/15/2005 05/15/2018 12/15/2005 06/15/2018 6 6 CODI Most recent index available 0.001 Nearest 1.996% 3.950% 1.000% 0.800% 1.000% 1.000% 7.500% 0.800% 5.750% 3.950% 12.250% 3.950% Yes 60 36 2%, 2%, 2% No   Percent 5.000% 15   $55.42 HUD 04/25/2005 To Borrower $78,843.95 $78,843.95 No No Escrows $0.00 No                   6.019%   $345,039.94 $274,970.88 XX/XX/XXXX   N/A N/A   H-8 04/20/2005 N/A 04/25/2005           Yes No Pass Pass $399.60 $4,221.50 $22,003.97 Pass 8.000% Pass No N/A $9,821.50 $16,502.98 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/18/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Federal FACTA Disclosure Timing Test ***Missing Initial Loan Application Test          
203395243 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.074% 74.074% 1 In Arrears 11/07/2004 27.742%   659 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1971 $270,000.00 1073/465 09/16/2004 Negative Amortization $200,000.00 4.927% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $734.25 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.355% 3.650% 7.023% 1.277% 0.000% 0.000% 7.023% 1.277% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $36.71 HUD 11/29/2004 To Borrower $21,908.27 $127,984.27 No Taxes $321.63 No                   5.020%   $200,413.59 $196,997.00 XX/XX/XXXX   N/A N/A   H-8 11/16/2004 N/A 11/20/2004           Yes No Pass Fail ($4,736.83) $2,950.63 $15,729.38 Pass 8.000% Pass No N/A $6,950.63 $11,797.04 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/23/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: An approval states that the lender used an index of 1.277%; the closest index in the look-back period is 1.355%. This has resulted in a payment variance under disclosure of $4,507.20.          
203395250 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 73.576% 73.576% 1 In Arrears 08/22/2005 43.284%   610 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $632,000.00 2055 w/ Interior 09/13/2005 Negative Amortization $465,000.00 6.140% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $1,707.13 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.250% 5.810% 2.890% 0.000% 0.000% 5.810% 2.890% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $85.36 HUD 09/29/2005 To Borrower $3,424.39 $50,797.39 No No Escrows $0.00 No                   6.242%   $655,046.74 $457,835.04 XX/XX/XXXX   N/A N/A   H-8 09/22/2005 N/A 09/27/2005 09/16/2005 09/16/2005       Yes No Pass Fail ($9,154.79) $802.00 $37,029.46 Pass 8.000% Pass No N/A $46,802.00 $27,772.09 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/22/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.89%. The lowest Index available within the look-back period is 2.97%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395259 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings And Loan Association, A Federal Savings Bank, Its Successors and/or Assignees 89.792% 89.792% 1 In Arrears 09/14/2007 34.837%   651 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1949 $480,000.00 1004/70 08/29/2007 Fixed Rate $431,000.00 8.900% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $2,132.90 No     12/01/2008 12/01/2018   12                                 No   36 2% Yes 115.000% Percent 5.000% 15   $106.65 HUD 10/18/2007 To Borrower $5,185.03 $5,185.03 No Taxes and Insurance $1,257.77 No                   9.163%   $970,297.06 $417,506.38 XX/XX/XXXX   N/A N/A   H-8 10/11/2007 N/A 10/16/2007           Yes No Pass Pass $600.27 $11,617.00 $33,424.53 Pass 8.000% Pass No N/A $11,617.00 $25,068.39 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/10/2007     2           ***Missing Initial Loan Application Test          
203395261 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 02/02/2006 42.237%   556 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1954 $450,000.00 2055 w/ Interior 02/13/2006 Negative Amortization $337,500.00 6.490% Monthly XX/XX/XXXX 04/15/2006 03/15/2036 360 360 No $1,316.06 Yes 04/15/2006 05/15/2018 04/15/2007 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.250% 5.460% 3.240% 0.000% 0.000% 5.460% 3.240% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $65.80 HUD 02/28/2006 To Borrower $33,986.39 $35,123.39 No Taxes $0.00 No                   6.616%   $505,478.00 $331,527.84 XX/XX/XXXX   N/A N/A   H-8 02/23/2006 N/A 02/28/2006           Yes No Pass Fail ($30,024.36) $4,957.50 $26,531.38 Pass 8.000% Pass No N/A $8,682.50 $19,898.54 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/01/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Per recap the lender used an index of 3.24%; the closest index in the look-back period is 3.46%. This has resulted in a payment variance under disclosure of $30,513.87. ***Missing Initial Loan Application Test          
203395262 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.059% 74.059% 1 In Arrears 10/17/2006     714 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1987 $505,000.00 1004/70 10/23/2006 Negative Amortization $374,000.00 7.597% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $1,290.75 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.700% 4.353% 4.897% 0.000% 0.000% 4.353% 4.897% 11.950% 2.700% 11.950% 2.700% No   36 2% Yes 125.000% Percent 5.000% 15   $64.54 HUD 11/16/2006 To Borrower $37,643.15 $37,643.15 No Taxes and Insurance $1,478.51 No                   7.702%   $757,034.01 $366,979.44 XX/XX/XXXX   N/A N/A   H-8 11/10/2006 N/A 11/16/2006 10/10/2006 10/10/2006       Yes No Pass Fail ($8,413.62) $4,923.20 $29,345.55 Pass 8.000% Pass No N/A $16,073.20 $16,611.60 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/10/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Under disclosure due to Neg Am Pick-A-Payment Note that shows Index on approval used is 4.897% while lowest Index for look back period is 4.99667%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203395265 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 05/22/2006 31.660%   657 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX $520,000.00 1998 $520,000.00 1004/70 05/20/2006 Negative Amortization $416,000.00 7.060% Biweekly XX/XX/XXXX 07/10/2006 06/26/2036 360 360 No $779.26 Yes 07/24/2006 05/24/2018 07/09/2007 07/09/2018 1 12 GDW-COSI 30 days 0.000 None 3.790% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $23.38 HUD 06/09/2006 From Borrower $111,707.34   N/A No Escrows $0.00 No                   7.241%   $571,268.96 $406,686.27 XX/XX/XXXX   N/A N/A       N/A 06/14/2006 05/16/2006 05/16/2006       Yes N/A Pass Fail ($5,895.71) $8,563.85 $32,485.15 N/A 8.000% N/A N/A N/A $16,883.85 $20,800.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/09/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $571268.96 is underdisclosed from calculated Finance Charge of $588196.68 in the amount of $-16927.72. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 7.241% is underdisclosed from calculated APR of 7.397% in the amount of -0.156%. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%. ***ARM Disclosure Timing ***CHARM Booklet Disclosure Timing ***Missing Initial Loan Application Test          
203395281 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.059% 79.059% 1 In Arrears 07/14/2005 29.879%   661 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD Attached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $425,000.00 2055 (Exterior Only) 04/13/2005 Negative Amortization $336,000.00 5.486% Monthly XX/XX/XXXX 09/15/2005 08/15/2035 360 360 No $1,159.60 Yes 09/15/2005 05/15/2018 09/15/2006 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.780% 3.650% 6.464% 1.836% 0.000% 0.000% 6.464% 1.836% 11.950% 3.650% 11.950% 3.650% No   36 2% Yes 125.000% Percent 5.000% 15   $57.98 HUD 08/09/2005 To Borrower $66,256.89 $82,907.89 Yes No Escrows $0.00 No                   5.531%   $404,042.28 $333,249.00 XX/XX/XXXX   N/A N/A   H-9 07/26/2005 N/A 07/30/2005           Yes No Pass Fail ($121,903.36) $1,760.50 $26,714.92 Pass 8.000% Pass No N/A $8,480.50 $20,036.19 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/26/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates index used was 1.836%. The closest Index available in our look-back period is 2.78% ***TIL APR Tolerance Irregular Transaction: Approval indicates index used was 1.836%. The closest Index available in our look-back period is 2.78% ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395286 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 60.000% 60.000% 1 In Arrears 10/23/2007     550 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1950 $435,000.00 1004/70 10/26/2007 Negative Amortization $261,000.00 8.043% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $1,024.50 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.343% 2.700% 3.907% 5.343% 0.000% 0.000% 3.907% 5.343% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.23 HUD 11/08/2007 To Borrower $45,234.37 $52,068.37 No Taxes and Insurance $430.45 No                   8.260%   $574,479.73 $252,897.74 XX/XX/XXXX   N/A N/A   H-8 11/03/2007 N/A 11/08/2007           Yes No Pass Fail ($390.82) $6,407.80 $20,197.14 Pass 8.000% Pass No N/A $6,407.80 $15,147.85 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/01/2007     2           ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related.          
203395320 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 76.438% 76.438% 1 In Arrears 03/27/2006 38.365%   716 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $365,000.00 1004/70 03/17/2006 Negative Amortization $279,000.00 6.860% Biweekly XX/XX/XXXX 06/05/2006 05/22/2036 360 360 No $558.48 Yes 06/19/2006 05/19/2018 06/04/2007 06/04/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.400% 5.090% 3.460% 0.000% 0.000% 5.090% 3.460% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 3.000% 15   $16.75 HUD   To Borrower $33,381.89 $33,381.89 N/A Taxes and Insurance $271.16 No                   6.905%   $347,830.03 $276,661.08 XX/XX/XXXX   N/A N/A   H-8 04/27/2006 N/A 05/02/2006 04/25/2006 04/25/2006       Yes No Pass Fail ($57,015.63) $1,540.32 $22,116.85 Pass 8.000% Pass No N/A $7,047.32 $13,950.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/27/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $347830.03 is underdisclosed from calculated Finance Charge of $364227.8 in the amount of $-16397.77. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.905% is underdisclosed from calculated APR of 7.128% in the amount of -0.223%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. ***Missing Initial Loan Application Test ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***(Missing Data) Unable to determine if loan is a same lender refi          
203395333 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 71.619% 71.619% 1 In Arrears 08/26/2007     642 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1977 $525,000.00 1004/70 09/10/2007 Negative Amortization $376,000.00 7.800% Monthly XX/XX/XXXX 11/01/2007 10/01/2037 360 360 No $1,534.99 Yes 10/01/2010 05/01/2018 11/01/2008 11/01/2018 1 12 CODI Most recent index available 0.000 None 5.333% 3.000% 4.150% 4.800% 0.000% 0.000% 4.150% 4.800% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $76.75 HUD 10/01/2007 To Borrower $62,069.53 $62,069.53 No Taxes $601.97 No                   8.079%   $778,387.90 $365,598.30 XX/XX/XXXX   N/A N/A   H-8 09/26/2007 N/A 10/01/2007 09/13/2007 09/13/2007       Yes No Pass Fail ($63,686.69) $1,459.70 $29,963.22 Pass 8.000% Pass No N/A $1,459.70 $22,472.41 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/26/2007     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 4.85%. The closest index available in our look-back period is 5.333%. ***Federal FACTA Disclosure Timing Test          
203395336 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Alt   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.784% 79.784% 1 In Arrears 05/18/2005 31.773%   621 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $371,000.00 1979 $395,000.00 1004/70 05/06/2005 Negative Amortization $296,000.00 5.920% Monthly XX/XX/XXXX 08/01/2005 07/01/2035 360 360 No $1,086.69 Yes 08/01/2005 05/01/2018 08/01/2006 08/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.610% 3.400% 6.030% 2.520% 0.000% 0.000% 6.030% 2.520% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.33 HUD 06/14/2005 From Borrower $92,917.87   N/A No Escrows $0.00 No                   6.113%   $395,171.40 $288,319.32 XX/XX/XXXX   N/A N/A       N/A 06/18/2005 06/09/2005 06/09/2005       No N/A Pass Fail ($9,783.82) $6,716.50 $23,081.38 N/A 8.000% N/A N/A N/A $12,636.50 $17,311.03 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/17/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395357 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB. 80.000% 80.000% 1 In Arrears 01/15/2005 34.470%   655 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2000 $525,000.00 1004/70 01/27/2005 Negative Amortization $420,000.00 5.213% Monthly XX/XX/XXXX 04/01/2005 03/01/2035 360 360 No $1,449.51 Yes 04/01/2005 05/01/2018 04/01/2006 04/01/2019 1 12 CODI Most recent index available 0.001 Nearest 1.693% 3.650% 6.737% 1.563% 0.000% 0.000% 6.737% 1.563% 11.950% 3.650% 11.950% 3.650% No   36 2% Yes 125.000% Percent 5.000% 15   $72.48 HUD   To Borrower $124,386.18 $124,386.18 N/A No Escrows $0.00 No                   5.308%   $468,409.22 $414,316.40 XX/XX/XXXX   N/A N/A   H-8 02/15/2005 N/A 02/19/2005           Yes No Pass Fail ($14,510.42) $2,055.00 $33,411.60 Pass 8.000% Pass No N/A $10,455.00 $25,058.70 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/28/2005     2 ***Missing Document: Missing Final 1003         ***(Missing Data) Unable to determine if loan is a same lender refi ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395378 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 82.051% 82.051% 1 In Arrears 05/03/2006 39.073%   665 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1973 $468,000.00 1004/70 04/27/2006 Negative Amortization $384,000.00 7.060% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $1,438.62 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $71.93 HUD 06/20/2006 To Borrower $71,628.35 $71,628.35 No No Escrows $0.00 No                   7.172%   $684,434.32 $377,396.68 XX/XX/XXXX   N/A N/A   H-8 06/15/2006 N/A 06/20/2006           Yes No Pass Fail ($47,105.79) $3,434.50 $30,445.24 Pass 8.000% Pass No N/A $3,434.50 $22,833.93 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/21/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The Approval Letter indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94%. This has resulted in a payment variance under disclosure of $50,274.61. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203395390 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.097% 75.097% 1 In Arrears 09/11/2007 42.829%   648 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX NY XXXXXXX XXXXXXX $620,000.00 1910 $620,000.00 1025/72 07/01/2007 Negative Amortization $465,600.00 8.150% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $1,709.34 Yes 11/15/2007 05/15/2018 11/15/2008 11/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.880% 3.300% 3.800% 4.850% 0.000% 0.000% 3.800% 4.850% 11.950% 3.300% 11.950% 3.300% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $85.47 HUD 10/11/2007 From Borrower $157,905.42   N/A Taxes and Insurance $234.08 No                   8.231%   $1,010,551.50 $460,830.16 XX/XX/XXXX   N/A N/A       N/A 10/16/2007           No N/A Pass Fail ($876.58) $2,020.00 $37,053.13 N/A 8.000% N/A N/A N/A $11,332.00 $23,179.00 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/11/2007     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state (NY) ***Missing Initial Loan Application Test          
203395392 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 10/16/2007 38.000%   588 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1969 $425,000.00 1004/70 10/18/2007 Fixed Rate $318,750.00 7.450% Monthly XX/XX/XXXX 01/01/2008 12/01/2037 360 360 No $1,387.23 No     01/01/2009 01/01/2019   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $69.36 HUD 11/21/2007 To Borrower $3,072.31 $9,660.31 Yes No Escrows $0.00 No                   7.450%   $565,887.46 $318,099.40 XX/XX/XXXX   N/A N/A   H-9 11/16/2007 N/A 11/21/2007 10/17/2007 10/17/2007       Yes No Pass Pass ($0.01) $0.00 $25,447.95 Pass 8.000% Pass No N/A $0.00 $19,085.96 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/16/2007     2           ***Federal FACTA Disclosure Timing Test          
203395393 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 76.500% 76.500% 1 In Arrears 10/16/2007 45.177%   571 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1961 $415,000.00 1004/70 09/20/2007 Negative Amortization $317,475.00 7.300% Monthly XX/XX/XXXX 01/01/2008 12/01/2037 360 360 No $1,381.68 Yes 12/01/2010 05/01/2018 01/01/2009 01/01/2019 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.600% 4.650% 4.700% 0.000% 0.000% 4.650% 4.700% 11.950% 2.600% 11.950% 2.600% No   12 2% Yes 125.000% Percent 5.000% 15   $69.08 HUD 11/14/2007 To Borrower $10,962.88 $19,276.73 No No Escrows $0.00 No                   7.657%   $569,828.74 $308,582.50 XX/XX/XXXX   N/A N/A   H-8 11/08/2007 N/A 11/13/2007 10/16/2007 10/16/2007       Yes No Pass Fail ($1,897.37) $7,566.00 $24,706.36 Pass 8.000% Pass No N/A $7,566.00 $18,529.77 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/08/2007     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.88%. The lowest Index available within the look-back period is 4.9%. ***Federal FACTA Disclosure Timing Test          
203395399 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings And Loan Association, A Federal Savings And Loan Association, Its Successors and/or Assignees 75.000% 90.000% 1 In Arrears 10/02/2006     721 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1974 $465,000.00 1004/70 10/23/2006 Negative Amortization $348,750.00 7.297% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,489.22 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.400% 4.653% 4.897% 0.000% 0.000% 4.653% 4.897% 11.950% 2.400% 11.950% 2.400% No   12 2% Yes 125.000% Percent 5.000% 15   $74.46 HUD 11/09/2006 To Borrower $94,665.47 $96,998.09 No Taxes and Insurance $366.22 No                   7.418%   $607,805.20 $343,435.24 XX/XX/XXXX   N/A N/A   H-8 11/02/2006 N/A 11/07/2006           Yes No Pass Fail ($5,896.54) $10,849.10 $27,003.33 Pass 8.000% Pass No N/A $10,863.86 $20,252.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/09/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***ARM Disclosure Compliant ***Missing Initial Loan Application Test          
203395413 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 78.431% 78.431% 1 In Arrears 07/09/2007 39.144%   648 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1949 $510,000.00 1004/70 07/03/2007 Negative Amortization $400,000.00 7.760% Monthly XX/XX/XXXX 09/15/2007 08/15/2037 360 360 No $1,286.56 Yes 09/15/2007 05/15/2018 09/15/2008 09/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.850% 4.190% 4.910% 0.000% 0.000% 4.190% 4.910% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $64.33 HUD 07/31/2007 To Borrower $1,804.27 $1,804.27 No Taxes and Insurance $2,199.87 No                   7.924%   $821,588.18 $390,897.36 XX/XX/XXXX   N/A N/A   H-8 07/25/2007 N/A 07/30/2007           Yes No Pass Pass $2,354.25 $7,217.00 $31,313.78 Pass 8.000% Pass No N/A $7,217.00 $23,485.34 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/25/2007     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395415 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 76.667% 76.667% 1 In Arrears 09/08/2007 26.774%   695 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1995 $600,000.00 1004/70 09/04/2007 Negative Amortization $460,000.00 8.074% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $1,688.78 Yes 11/15/2007 05/15/2018 11/15/2008 11/15/2018 1 12 CODI Most recent index available 0.001 Up 5.333% 2.750% 3.876% 5.324% 0.000% 0.000% 3.876% 5.324% 11.950% 2.750% 11.950% 2.750% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $84.44 HUD 09/27/2007 To Borrower $7,943.17 $52,838.17 No No Escrows $0.00 No                   8.218%   $992,331.12 $450,394.75 XX/XX/XXXX   N/A N/A   H-8 09/21/2007 N/A 09/26/2007           Yes No Pass Fail ($1,866.92) $7,996.00 $36,013.80 Pass 8.000% Pass No N/A $7,996.00 $31,512.07 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/28/2007     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 5.324%. The closest Index available in our lookback period is 5.333% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203395417 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 69.885% 69.885% 1 In Arrears 09/30/2006 26.897%   560 Fee Simple XXXXXX XXXXXX   XXXXXX                     4 Family 4 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1910 $435,000.00 1025/72 08/06/2006 Negative Amortization $304,000.00 7.524% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,123.65 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.750% 4.426% 4.774% 0.000% 0.000% 4.426% 4.774% 11.950% 2.750% 11.950% 2.750% No   36 2% Yes 125.000% Percent 5.000% 15   $56.18 HUD   To Borrower $14,763.53 $14,763.53 No No Escrows $0.00 No                   7.733%   $616,477.99 $296,217.66 XX/XX/XXXX   N/A N/A   H-8 10/30/2006 N/A 11/03/2006           Yes No Pass Fail ($22,260.42) $10,485.70 $23,420.98 Pass 8.000% Pass No N/A $10,485.70 $17,565.73 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/27/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Under disclosure due to index value. Lender approval reflects an index of 4.774%; however, the only index in the lookback period is 4.89667%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395418 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB 67.742% 67.742% 1 In Arrears 10/03/2006 48.120%   724 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $465,000.00 2055 (Exterior Only) 10/14/2006 Negative Amortization $315,000.00 7.740% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,087.13 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.600% 3.400% 4.210% 4.340% 0.000% 0.000% 4.210% 4.340% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.36 HUD 11/08/2006 To Borrower $47,567.25 $53,355.55 Yes Taxes $468.72 No                   7.784%   $644,219.13 $313,013.29 XX/XX/XXXX   N/A N/A   H-9 11/03/2006 N/A 11/08/2006           Yes No Pass Fail ($20,042.71) $602.50 $25,114.39 Pass 8.000% Pass No N/A $602.50 $18,835.79 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/03/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Not Provided to Borrower At or Before Consummation ***ARM Disclosure Status ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203395428 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 70.000% 85.000% 1 In Arrears 05/04/2005 31.470%   630 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2003 $440,000.00 2055 w/ Interior 04/19/2005 Negative Amortization $308,000.00 5.646% Monthly XX/XX/XXXX 07/15/2005 06/15/2035 360 360 No $1,130.75 Yes 07/15/2005 05/15/2018 07/15/2006 07/15/2018 1 12 CODI Most recent index available 0.001 Up 2.163% 3.650% 6.304% 1.996% 0.000% 0.000% 6.304% 1.996% 11.950% 3.650% 11.950% 3.650% No       Yes 125.000% Percent 5.000% 15   $56.54 HUD 06/13/2005 To Borrower $24,502.82 $24,502.82 No Taxes $1,185.08 No                   5.702%   $376,134.51 $305,189.90 XX/XX/XXXX   N/A N/A   H-8 06/04/2005 N/A 06/09/2005 04/08/2005 04/08/2005       Yes No Pass Fail ($18,418.19) $3,341.00 $24,353.66 Pass 8.000% Pass No N/A $9,767.00 $18,265.24 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/10/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval reflects index of 1.996%. Closest index available in our look-back period is 2.16333%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395437 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.626% 73.626% 1 In Arrears 05/27/2005 33.000%   644 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $455,000.00 Stated   Negative Amortization $335,000.00 5.920% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $1,229.86 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.400% 6.030% 2.520% 0.000% 0.000% 6.030% 2.520% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $61.49 HUD 07/08/2005 To Borrower $36,585.00 $38,032.00 Yes No Escrows $0.00 No                   6.019%   $443,309.34 $330,236.88 XX/XX/XXXX   N/A N/A   H-9 06/29/2005 N/A 07/05/2005           Yes No Pass Fail ($22,366.66) $4,298.50 $26,425.69 Pass 8.000% Pass No N/A $4,298.50 $19,819.27 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/11/2005     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval (index source) indicates the Index used was 2.520%. The closest Index available in our look-back period is 2.700%; under disclosure appears to be payment stream related. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395470 XXXXXXX XXXXXXX Retail Purchase   Investment Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 75.000% 75.000% 1 In Arrears 01/05/2004 42.000%   618 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $194,000.00 1990 $195,000.00 2055 w/ Interior 01/07/2004 Negative Amortization $145,500.00 5.060% Monthly XX/XX/XXXX 03/01/2004 02/01/2034 360 360 No $690.46 Yes 03/01/2004 05/01/2018 03/01/2005 03/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 1.850% 3.200% 7.190% 1.860% 0.000% 0.000% 7.440% 1.860% 12.250% 3.200% 12.500% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $34.52 HUD 01/16/2004 From Borrower $52,363.45   N/A Taxes $1,010.42 No                           XX/XX/XXXX   N/A N/A       N/A 01/20/2004           No N/A     $0.00 $559.10 $11,568.74 N/A 8.000% N/A N/A N/A $559.10 $8,676.55 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/16/2004     1 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003                    
203395474 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 76.694% 76.694% 1 In Arrears 04/18/2005 31.704%   683 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2002 $605,000.00 1004/70 04/05/2005 Negative Amortization $464,000.00 5.646% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $1,703.46 Yes 06/15/2005 05/15/2018 06/15/2006 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.996% 3.650% 6.304% 1.996% 0.000% 0.000% 6.304% 1.996% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $85.17 HUD 04/27/2005 To Borrower $10,441.24 $91,858.92 Yes No Escrows $0.00 No                   5.756%   $569,517.58 $456,897.49 XX/XX/XXXX   N/A N/A   H-9 04/27/2005 N/A 05/02/2005 04/06/2005 04/06/2005       Yes No Pass Pass $3,811.79 $3,247.00 $36,856.72 Pass 8.000% Pass No N/A $3,468.00 $27,642.54 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/28/2005     2           ***CHARM Booklet Disclosure Timing ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395484 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 08/16/2006 51.816%   504 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $535,000.00 1978 $535,000.00 1004/70 08/14/2006 Negative Amortization $428,000.00 7.390% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $1,477.12 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.640% 2.750% 4.560% 4.640% 0.000% 0.000% 4.560% 4.640% 11.950% 2.750% 11.950% 2.750% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $73.86 HUD 09/12/2006 From Borrower $108,281.27   N/A Taxes and Insurance $2,594.66 No                   7.507%   $850,496.70 $420,429.16 XX/XX/XXXX   N/A N/A       N/A 09/05/2006 08/28/2006 08/28/2006       No N/A Pass Pass $1,597.30 $5,768.28 $33,750.80 N/A 8.000% N/A N/A N/A $5,768.28 $25,313.10 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/12/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203395498 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Alt   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 06/16/2004 40.000%   629 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $420,000.00 1987 $420,000.00 2055 w/ Interior 06/18/2004 Negative Amortization $336,000.00 4.233% Monthly XX/XX/XXXX 08/15/2004 07/15/2034 360 360 No $1,233.54 Yes 08/15/2004 05/15/2018 08/15/2005 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.083% 3.150% 7.717% 1.083% 0.000% 0.000% 7.717% 1.083% 11.950% 3.150% 11.950% 3.150% No       Yes 125.000% Percent 5.000% 15   $61.68 HUD   From Borrower $90,951.24   N/A Taxes $1,750.00 No                   4.303%   $272,761.07 $332,469.45 XX/XX/XXXX   N/A N/A       N/A 07/06/2004           No N/A Pass Pass $406.36 $2,992.50 $26,630.08 N/A 8.000% N/A N/A N/A $2,992.50 $19,972.56 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/02/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395503 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 79.495% 79.495% 1 In Arrears 11/08/2005 31.339%   571 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1962 $514,500.00 1004/70 09/16/2005 Negative Amortization $409,000.00 6.370% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,552.98 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $77.65 HUD 12/15/2005 To Borrower $12,656.16 $110,662.62 No Taxes and Insurance $637.12 No                   6.571%   $605,420.92 $399,017.48 XX/XX/XXXX   N/A N/A   H-8 12/09/2005 N/A 12/14/2005           Yes No Pass Fail ($27,797.22) $9,650.00 $31,948.00 Pass 8.000% Pass No N/A $17,830.00 $23,961.00 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 12/15/2005     3           ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***Federal FACTA Disclosure Timing Test          
203395508 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 07/28/2006 47.100%   638 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1994 $690,000.00 1004/70 08/04/2006 Negative Amortization $517,500.00 7.290% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $2,044.76 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.340% 3.350% 4.960% 3.940% 0.000% 0.000% 4.960% 3.940% 12.250% 3.350% 12.250% 3.350% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $122.69 HUD 08/28/2006 To Borrower $169,562.01 $169,562.01 Yes Taxes and Insurance $817.92 No                   7.324%   $943,615.13 $513,094.58 XX/XX/XXXX   N/A N/A       N/A 08/28/2006           Yes No Pass Fail ($98,407.37) $1,809.50 $41,106.40 Pass 8.000% Pass No N/A $1,809.50 $30,829.80 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 08/28/2006     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Approval indicate the Index used was 3.94%. The closest Index available in our look back period is 4.34%. ***TIL APR Tolerance Irregular Transaction: Approval indicate the Index used was 3.94%. The closest Index available in our look back period is 4.34%. ***Notice of Right to Cancel Missing ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203395530 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 09/30/2007 54.953%   641 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1953 $575,000.00 1004/70 10/25/2007 Negative Amortization $460,000.00 7.200% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,877.91 Yes 11/15/2010 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.550% 4.750% 4.650% 0.000% 0.000% 4.750% 4.650% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $93.90 HUD   To Borrower $9,895.88 $9,895.88 Yes No Escrows $0.00 No                   7.401%   $838,215.57 $457,680.10 XX/XX/XXXX   N/A N/A   H-9 10/31/2007 N/A 11/05/2007 10/24/2007 10/24/2007       Yes No Pass Fail ($2,210.74) $1,405.00 $36,687.60 Pass 8.000% Pass No N/A $1,405.00 $27,515.70 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/20/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.88%. The closest Index available in our lookback period is 4.9% ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Missing Initial Loan Application Test ***Disbursement Date Missing          
203395532 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 61.304% 61.304% 1 In Arrears 11/18/2007 44.763%   651 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1930 $575,000.00 1025/72 07/17/2007 Negative Amortization $352,500.00 8.100% Monthly XX/XX/XXXX 02/01/2008 01/01/2038 360 360 No $1,392.81 Yes 02/01/2008 05/01/2018 02/01/2009 02/01/2019 1 12 W-COSI Most recent index available 0.000 None 4.790% 3.200% 3.850% 4.900% 0.000% 0.000% 3.850% 4.900% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $69.64 HUD 12/24/2007 To Borrower $16,691.07 $16,774.73 No Taxes and Insurance $988.27 No                   8.253%   $775,951.95 $345,951.37 XX/XX/XXXX   N/A N/A   H-8 12/19/2007 N/A 12/24/2007           Yes No Pass Pass $6,493.37 $6,166.25 $27,656.63 Pass 8.000% Pass No N/A $6,166.25 $20,742.47 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/26/2007     2           ***ARM Disclosure Prior to Closing Timing ***Federal FACTA Disclosure Timing Test ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test          
203395539 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 58.845% 58.845% 1 In Arrears 07/09/2005 39.120%   674 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   2000 $554,000.00 1004/70 07/11/2005 Negative Amortization $326,000.00 5.982% Monthly XX/XX/XXXX 10/01/2005 09/01/2035 360 360 No $1,196.83 Yes 10/01/2005 05/01/2018 10/01/2006 10/01/2018 1 12 CODI Most recent index available 0.001 Nearest 2.658% 3.650% 5.968% 2.332% 0.000% 0.000% 5.968% 2.332% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.84 HUD 08/15/2005 To Borrower $8,298.88 $30,844.88 No Taxes $940.00 No                   6.116%   $439,952.15 $320,404.42 XX/XX/XXXX   N/A N/A   H-8 08/09/2005 N/A 08/13/2005           Yes No Pass Fail ($41,859.65) $5,364.00 $25,578.21 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/15/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.332%. The closest Index available in our look-back period is 2.65833%. ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 2.332%. The closest Index available in our look-back period is 2.65833%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395543 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 05/21/2007 35.090%   621 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX WA XXXXXXX XXXXXXX   1968 $390,000.00 1004/70 06/05/2007 Negative Amortization $312,000.00 7.840% Monthly XX/XX/XXXX 08/15/2007 07/15/2037 360 360 No $1,003.52 Yes 08/15/2007 05/15/2018 08/15/2008 08/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.900% 4.110% 4.940% 0.000% 0.000% 4.110% 4.940% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $50.18 HUD 06/26/2007 To Borrower $9,806.34 $91,262.87 No Taxes and Insurance $772.43 No                   7.958%   $646,459.86 $306,357.97 XX/XX/XXXX   N/A N/A   H-8 06/21/2007 N/A 06/26/2007           Yes No Pass Pass $2,935.17 $5,066.65 $24,452.79 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/21/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203395560 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 09/04/2007 38.495%   668 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $490,000.00 1953 $495,000.00 1004/70 08/04/2007 Negative Amortization $392,000.00 8.050% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $1,600.31 Yes 11/01/2010 05/01/2018 12/01/2008 12/01/2018 1 12 W-COSI Most recent index available 0.000 None 4.880% 3.100% 3.900% 4.950% 0.000% 0.000% 3.900% 4.950% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $80.02 HUD 10/12/2007 From Borrower $99,562.32   N/A Taxes and Insurance $63.05 No                   8.151%   $838,578.34 $381,387.00 XX/XX/XXXX   N/A N/A       N/A 10/10/2007   09/28/2007       Yes N/A Pass Fail ($3,845.40) $8,097.00 $30,573.92 N/A 8.000% N/A N/A N/A $8,097.00 $22,930.44 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/12/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***ARM Disclosure Prior to Closing Timing          
203395573 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 53.250% 53.250% 1 In Arrears 08/18/2007 46.610%   670 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1966 $400,000.00 2055 w/ Interior 06/25/2004 Negative Amortization $213,000.00 7.350% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $869.56 Yes 10/15/2010 05/15/2018 11/15/2008 11/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.850% 2.400% 4.600% 4.950% 0.000% 0.000% 4.600% 4.950% 11.950% 2.400% 11.950% 2.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $43.48 HUD 09/24/2007 To Borrower $21,376.37 $21,376.37 Yes Taxes and Insurance $170.10 No                   7.362%   $383,149.00 $210,639.36 XX/XX/XXXX   N/A N/A   H-9 09/18/2007 N/A 09/22/2007 09/14/2007 09/14/2007       Yes No Pass Pass $4,149.39 $1,389.50 $16,857.02 Pass 8.000% Pass No N/A $1,389.50 $12,642.76 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/24/2007     2           ***Missing Initial Loan Application Test          
203395578 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.379% 71.379% 1 In Arrears 06/01/2004     607 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $435,000.00 Stated   Negative Amortization $310,500.00 4.535% Monthly XX/XX/XXXX 08/15/2004 07/15/2034 360 360 No $1,139.93 Yes 08/15/2004 05/15/2018 08/15/2005 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.083% 3.450% 7.415% 1.085% 0.000% 0.000% 7.415% 1.085% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $57.00 HUD 07/12/2004 To Borrower $9,623.29 $9,623.29 Yes No Escrows $0.00 No                   4.549%   $273,703.14 $309,713.52 XX/XX/XXXX   N/A N/A   H-9 07/06/2004 N/A 07/10/2004           Yes No Pass Pass $503.35 $330.00 $24,804.34 Pass 8.000% Pass No N/A $330.00 $18,603.25 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/12/2004     1 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003                    
203395619 XXXXXXX XXXXXXX Broker Construction-Permanent   Primary Conventional without MI Stated   World Savings Bank, A Federal Savings Bank 74.627% 74.627% 1 In Arrears 10/19/2000 40.000%   607 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX $681,000.00 2000 $670,000.00 2055 w/ Interior 11/07/2000 Negative Amortization $500,000.00 7.800% Biweekly XX/XX/XXXX 12/11/2000 11/27/2030 360 360 No $1,799.68 Yes 11/26/2001 05/26/2018 12/10/2001 12/10/2018 1 12 GDW-COSI Most recent index available 0.000 None 5.370% 3.200% 4.150% 4.600% 0.000% 0.000% 4.150% 4.600% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $89.98 HUD 11/13/2000 From Borrower $19,815.93   N/A No Escrows $0.00 No                   8.420%   $615,796.35 $497,482.28 XX/XX/XXXX   N/A N/A       N/A 11/17/2000 03/18/2000 03/18/2000       No N/A Pass Fail ($15,907.56) $956.00 $39,793.06 N/A 10.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A No N/A Yes Final HUD1 11/13/2000     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $615,796.35 is underdisclosed from calculated Finance Charge of $650947.66 in the amount of $35151.31. Closing instructions indicate the Index used was 5.280%. The closest Index available in our look-back period is 5.460%. ***Missing Initial Loan Application Test          
203395645 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 01/24/2006     633 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1949 $500,000.00 1004/70 02/14/2006 Negative Amortization $400,000.00 6.690% Monthly XX/XX/XXXX 04/15/2006 03/15/2036 360 360 No $1,559.77 Yes 04/15/2006 05/15/2018 04/15/2007 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.450% 5.260% 3.240% 0.000% 0.000% 5.260% 3.240% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $77.99 HUD 03/02/2006 To Borrower $11,818.52 $28,612.52 No Taxes $263.00 No                   6.725%   $627,894.95 $397,159.88 XX/XX/XXXX   N/A N/A   H-8 02/24/2006 N/A 03/01/2006 01/25/2006 01/25/2006       Yes No Pass Fail ($37,006.78) $1,669.00 $31,814.36 Pass 8.000% Pass No N/A $1,669.00 $23,860.77 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/22/2006     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Closing approval indicates the index used at origination was 3.24%, however the lowest index available within the look-back period is 3.46% ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395646 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 61.200% 61.200% 1 In Arrears 11/06/2007 38.990%   592 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1975 $500,000.00 1004/70 11/24/2007 Negative Amortization $306,000.00 7.750% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $1,249.22 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 2.850% 4.200% 4.900% 0.000% 0.000% 4.200% 4.900% 11.950% 2.850% 11.950% 2.850% No   12 2% Yes 125.000% Percent 5.000% 15   $62.46 HUD 12/27/2007 To Borrower $27,440.60 $40,969.60 No No Escrows $0.00 No                   8.058%   $622,433.39 $294,993.12 XX/XX/XXXX   N/A N/A   H-8 12/06/2007 N/A 12/11/2007           Yes No Pass Pass $7,452.17 $10,897.00 $23,587.44 Pass 8.000% Pass No N/A $10,897.00 $17,690.58 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/27/2007     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203395652 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 69.388% 69.388% 1 In Arrears 10/17/2004 31.000%   654 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1989 $490,000.00 2055 w/ Interior 11/02/2004 Negative Amortization $340,000.00 4.927% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $1,173.41 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.355% 3.650% 7.023% 1.277% 0.000% 0.000% 7.023% 1.277% 11.950% 3.650% 11.950% 3.650% No   36 2% Yes 125.000% Percent 5.000% 15   $58.67 HUD 11/22/2004 To Borrower $66,398.60 $107,038.60 No Taxes and Insurance $502.11 No                   5.036%   $349,661.24 $334,205.50 XX/XX/XXXX   N/A N/A   H-8 11/17/2004 N/A 11/22/2004           Yes No Pass Fail ($14,852.45) $1,086.30 $26,184.64 Pass 8.000% Pass No N/A $11,636.30 $19,638.48 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 11/23/2004     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Under disclosure is due to index value. Lender approval reflects an index of 1.277%; however, the only index in the lookback period is 1.355%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395655 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 11/09/2006 14.489%   601 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1957 $520,000.00 1004/70 11/21/2006 Negative Amortization $416,000.00 7.597% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $1,537.62 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.600% 4.353% 4.997% 0.000% 0.000% 4.353% 4.997% 11.950% 2.600% 11.950% 2.600% No   36 2% Yes 125.000% Percent 5.000% 15   $76.88 HUD 12/14/2006 To Borrower $47,242.95 $47,446.95 No No Escrows $0.00 No                   7.724%   $854,965.64 $409,333.26 XX/XX/XXXX   N/A N/A   H-8 12/08/2006 N/A 12/13/2006           Yes No Pass Fail ($13,781.34) $6,257.00 $32,765.58 Pass 8.000% Pass No N/A $6,257.00 $24,574.19 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/14/2006     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.897%. The closest Index available in our look-back period is 5.08083% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203395657 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.646% 70.646% 1 In Arrears 10/30/2005 42.746%   646 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1952 $511,000.00 1004/70 10/28/2005 Negative Amortization $361,000.00 6.370% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,370.73 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $68.54 HUD   To Borrower $3,783.10 $3,783.10 No Taxes and Insurance $704.15 No                   6.581%   $535,310.72 $351,247.00 XX/XX/XXXX   N/A N/A   H-8 11/30/2005 N/A 12/05/2005           Yes No Pass Fail ($24,788.62) $9,150.00 $28,102.64 Pass 8.000% Pass No N/A $16,370.00 $21,076.98 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/07/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%. ***Missing Initial Loan Application Test          
203395681 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 66.600% 66.600% 1 In Arrears 01/17/2004 44.000%   666 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1939 $515,000.00 1004/70 01/15/2004 Negative Amortization $333,000.00 4.801% Monthly XX/XX/XXXX 04/15/2004 03/15/2034 360 360 No $1,222.53 Yes 04/15/2004 05/15/2018 04/15/2005 04/15/2019 1 12 CODI Most recent index available 0.001 Up 1.132% 3.650% 7.149% 1.151% 0.000% 0.000% 7.149% 1.151% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $61.13 HUD 02/23/2004 To Borrower $22,380.67 $76,990.90 No No Escrows $0.00 No                   4.946%   $323,470.49 $326,204.20 XX/XX/XXXX   N/A N/A   H-8 02/17/2004 N/A 02/21/2004           Yes No Pass Pass $1,761.71 $5,846.00 $26,098.73 Pass 8.000% Pass No N/A $12,447.30 $16,366.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/17/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test          
203395689 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 24.468% 24.468% 1 In Arrears 10/02/2007 34.398%   693 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $470,000.00 1004/70 08/09/2007 Negative Amortization $115,000.00 7.850% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $422.20 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.790% 3.000% 4.100% 4.850% 0.000% 0.000% 4.100% 4.850% 11.950% 3.000% 11.950% 3.000% No   36 2% Yes 125.000% Percent 5.000% 15   $21.11 HUD   To Borrower $14,625.04 $14,625.04 Yes No Escrows $0.00 No                   8.015%   $242,614.72 $112,391.55 XX/XX/XXXX   N/A N/A   H-9 10/30/2007 N/A 11/03/2007 10/17/2007 10/17/2007       Yes No Pass Pass $1,439.59 $2,027.50 $9,018.01 Pass 8.000% Pass No N/A $2,027.50 $6,763.51 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/05/2007     2           ***Missing Initial Loan Application Test          
203395704 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 79.221% 79.221% 1 In Arrears 09/17/2005 25.174%   535 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   2001 $385,000.00 1004/70 08/15/2005 Misc. ARM $305,000.00 4.900% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $1,618.72 No 05/15/2006 05/15/2018 06/15/2006 06/15/2018 6 6 CODI 45 days 0.001 Nearest 3.000% 4.000% 1.000% 0.900% 1.000% 1.000% 7.350% 0.900% 5.900% 4.000% 12.250% 4.000% N/A       No   Percent 5.000% 15   $80.94 HUD   To Borrower $72,211.38 $92,645.38 Yes No Escrows $0.00 No                   7.041%   $426,495.91 $297,444.75 XX/XX/XXXX   N/A N/A   H-9 10/17/2005 N/A 10/21/2005           Yes No Pass Pass $66.24 $6,457.00 $23,801.54 Pass 8.000% Pass No N/A $6,458.00 $23,801.54 N/A 8.000% N/A N/A N/A N/A No N/A Yes Final HUD1 10/17/2005     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395711 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 69.474% 69.474% 1 In Arrears 09/03/2007 30.709%   784 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1990 $570,000.00 1004/70 07/12/2007 Negative Amortization $396,000.00 7.850% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $1,453.82 Yes 11/15/2007 05/15/2018 11/15/2008 11/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.880% 3.000% 4.100% 4.850% 0.000% 0.000% 4.100% 4.850% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $72.69 HUD   To Borrower $9,849.60 $9,849.60 Yes No Escrows $0.00 No                   7.944%   $831,644.36 $390,815.97 XX/XX/XXXX   N/A N/A   H-9 10/03/2007 N/A 10/09/2007           Yes No Pass Fail ($1,644.21) $4,228.30 $31,300.85 Pass 8.000% Pass No N/A $4,228.30 $23,475.64 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/10/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP expired. Prepay charge now allowed per state (CA) - Max prepayment charge for CA is assessed on amount prepaid in excess of 20%. Note states prepayment charge on amount prepaid in excess of $5,000.          
203395744 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 02/18/2005 41.087%   652 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1994 $540,000.00 2055 w/ Interior 02/16/2005 Negative Amortization $405,000.00 5.343% Monthly XX/XX/XXXX 05/15/2005 04/15/2035 360 360 No $1,486.86 Yes 05/15/2005 05/15/2018 05/15/2006 05/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.836% 3.650% 6.607% 1.693% 0.000% 0.000% 6.607% 1.693% 11.950% 3.650% 11.950% 3.650% No   36 2% Yes 125.000% Percent 5.000% 15   $74.34 HUD 03/24/2005 To Borrower $7,509.17 $36,288.77 No No Escrows $0.00 No                   5.425%   $455,854.27 $399,733.41 XX/XX/XXXX   N/A N/A   H-8 03/21/2005 N/A 03/25/2005           Yes No Pass Fail ($18,044.64) $3,815.00 $31,985.70 Pass 8.000% Pass No N/A $11,865.00 $23,989.27 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 03/24/2005     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Not Provided to Borrower At or Before Consummation ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the Index used was 1.693%. The closest Index available in our look-back period is 1.83583%.          
203395745 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 35.185% 35.185% 1 In Arrears 04/03/2005     629 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $540,000.00 Desk-Top Review 04/15/2005 Negative Amortization $190,000.00 5.780% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $775.66 Yes 06/15/2005 05/15/2018 06/15/2006 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.520% 3.500% 6.470% 2.280% 0.000% 0.000% 6.470% 2.280% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $46.54 HUD 04/29/2005 To Borrower $27,011.47 $27,011.47 No Taxes and Insurance $362.88 No                           XX/XX/XXXX   N/A N/A       N/A 04/27/2005 03/16/2005 03/16/2005       No N/A     $0.00 $1,700.85 $14,873.41 N/A 8.000% N/A N/A N/A $3,600.85 $11,155.06 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/02/2005     2 ***Missing Document: Missing Final 1003         ***Federal FACTA Disclosure Timing Test ***Missing Initial Loan Application Test          
203395776 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 12/12/2005     629 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX WA XXXXXXX XXXXXXX $355,000.00 1941 $355,000.00 2055 w/ Interior 12/16/2005 Negative Amortization $266,250.00 6.460% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $1,038.22 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.91 HUD 01/04/2006 From Borrower $88,756.73   N/A Taxes and Insurance $913.20 No                   6.513%   $393,343.55 $263,729.84 XX/XX/XXXX   N/A N/A       N/A 01/02/2006 12/27/2005 12/27/2005       No N/A Pass Fail ($18,921.85) $1,511.00 $21,137.65 N/A 8.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/28/2005     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%. ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395778 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.414% 75.414% 1 In Arrears 10/30/2007 45.080%   665 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   2000 $785,000.00 1004/70 10/11/2007 Fixed Rate $592,000.00 7.850% Monthly XX/XX/XXXX 02/01/2008 01/01/2038 360 360 No $2,416.79 No     02/01/2009 02/01/2019   12                                 No   36 2% Yes 125.000% Percent 3.000% 15   $72.50 HUD 12/05/2007 From Borrower $781.50   N/A No Escrows $0.00 No                   7.956%   $1,223,481.17 $581,255.36 XX/XX/XXXX   N/A N/A   H-8 11/30/2007 N/A 12/05/2007           Yes No Pass Fail ($328.39) $7,982.00 $46,446.42 Pass 8.000% Pass No N/A $16,792.00 $29,600.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/30/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203395779 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   Wachovia Mortgage, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.358% 77.358% 1 In Arrears 12/04/2007 41.000%   538 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1938 $530,000.00 2055 w/ Interior 12/20/2007 Negative Amortization $410,000.00 7.300% Monthly XX/XX/XXXX 02/15/2008 01/15/2038 360 360 No $1,673.79 Yes 02/15/2008 05/15/2018 02/15/2009 02/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.790% 2.400% 4.650% 4.900% 0.000% 0.000% 4.650% 4.900% 11.950% 2.400% 11.950% 2.400% No       Yes 125.000% Percent 5.000% 15   $83.69 HUD 01/15/2008 To Borrower $32,521.80 $32,521.80 Yes Taxes and Insurance $864.73 No                   7.539%   $742,426.03 $398,310.50 XX/XX/XXXX   N/A N/A   H-9 01/04/2008 N/A 01/09/2008           Yes No Pass Pass $16,275.52 $15,373.50 $29,337.56 Pass 8.000% Pass No N/A $15,373.50 $22,003.17 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/10/2008     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395783 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 78.273% 78.273% 1 In Arrears 03/18/2005 19.887%   667 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1961 $550,000.00 2055 w/ Interior 04/06/2005 Negative Amortization $430,500.00 5.486% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $1,682.90 Yes 06/15/2005 05/15/2018 06/15/2006 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.996% 3.650% 6.464% 1.836% 0.000% 0.000% 6.464% 1.836% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $84.15 HUD 04/25/2005 To Borrower $2,344.77 $30,128.77 No No Escrows $0.00 No                   5.605%   $491,996.87 $422,965.90 XX/XX/XXXX   N/A N/A   H-8 04/18/2005 N/A 04/22/2005 04/18/2005 04/18/2005       Yes No Pass Fail ($22,142.54) $6,063.75 $33,851.38 Pass 8.000% Pass No N/A $14,673.75 $25,388.53 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/26/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.836%. The closest Index available in our lookback period is 1.99583% ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395796 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.111% 71.111% 1 In Arrears 10/09/2004     631 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1900 $315,000.00 2055 w/ Interior 10/11/2004 Negative Amortization $224,000.00 5.340% Monthly XX/XX/XXXX 12/15/2004 11/15/2034 360 360 No $822.36 Yes 12/15/2004 05/15/2018 12/15/2005 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.000% 3.400% 6.610% 1.940% 0.000% 0.000% 6.610% 1.940% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.12 HUD 10/26/2004 To Borrower $2,291.10 $5,636.77 No Taxes and Insurance $0.00 No                   5.488%   $253,801.84 $219,198.52 XX/XX/XXXX   N/A N/A   H-8 10/21/2004 N/A 10/26/2004           Yes No Pass Fail ($4,534.39) $4,519.60 $17,506.00 Pass 8.000% Pass No N/A $4,519.60 $13,129.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/21/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee and payment stream related. Loan commitment indicates the Index used was 1.94%. The closest Index available in our look-back period is 2.0%.          
203395820 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 68.548% 68.548% 1 In Arrears 04/12/2005     642 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1956 $496,000.00 2055 w/ Interior 04/26/2005 Negative Amortization $340,000.00 5.680% Monthly XX/XX/XXXX 07/15/2005 06/15/2035 360 360 No $1,248.23 Yes 07/15/2005 05/15/2018 07/15/2006 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.520% 3.400% 6.270% 2.280% 0.000% 0.000% 6.270% 2.280% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $62.41 HUD 05/19/2005 To Borrower $41,519.29 $53,510.08 No Taxes and Insurance $0.04 No                   5.736%   $419,326.17 $336,793.44 XX/XX/XXXX   N/A N/A   H-8 05/12/2005 N/A 05/17/2005           Yes No Pass Fail ($29,281.43) $2,605.00 $26,898.47 Pass 8.000% Pass No N/A $9,737.85 $20,173.85 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/09/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395835 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 66.265% 66.265% 1 In Arrears 03/20/2003 52.000%   565 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1978 $332,000.00 2055 w/ Interior 02/25/2003 Negative Amortization $220,000.00 5.910% Monthly XX/XX/XXXX 05/15/2003 04/15/2033 360 360 No $921.61 Yes 05/15/2003 05/15/2018 05/15/2004 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.250% 3.350% 6.040% 2.560% 0.000% 0.000% 6.040% 2.560% 11.950% 3.350% 11.950% 3.350% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $46.08 HUD   From Borrower $14,989.93   No Taxes and Insurance $10.04 No                   6.045%   $273,931.09 $215,874.60 XX/XX/XXXX   N/A N/A   H-8 03/20/2003 N/A 03/25/2003           Yes No Pass Pass $20,601.60 $3,607.00 $17,282.41 Pass 8.000% Pass No N/A $8,007.00 $12,961.81 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/27/2003     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***(State High Cost) California Covered Loan (Points and Fees) ***This High Cost loan contains one or more prohibited practice exceptions        
203395848 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 78.065% 78.065% 1 In Arrears 09/23/2007 46.685%   652 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2001 $620,000.00 1004/70 10/18/2007 Fixed Rate $484,000.00 7.350% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,975.89 No     12/15/2008 12/15/2018   12                                 No       Yes 125.000% Percent 5.000% 15   $98.79 HUD 11/06/2007 From Borrower $38.64   No No Escrows $0.00 No                   7.467%   $881,349.53 $476,463.40 XX/XX/XXXX   N/A N/A   H-8 10/30/2007 N/A 11/03/2007           Yes No Pass Pass $242.34 $6,693.00 $38,106.59 Pass 8.000% Pass No N/A $6,693.00 $28,579.94 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/06/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Federal FACTA Disclosure Timing Test          
203395867 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 70.000% 70.000% 1 In Arrears 10/17/2004 39.000%   605 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2003 $570,000.00 1004/70 10/21/2004 Negative Amortization $399,000.00 4.977% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $1,377.03 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.355% 3.700% 6.973% 1.277% 0.000% 0.000% 6.973% 1.277% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $68.85 HUD 11/22/2004 To Borrower $79,436.95 $115,088.32 No No Escrows $0.00 No                   5.005%   $412,284.37 $396,344.98 XX/XX/XXXX   N/A N/A   H-8 11/17/2004 N/A 11/22/2004           Yes No Pass Fail ($8,589.52) $609.35 $31,771.13 Pass 8.000% Pass No N/A $8,589.35 $23,828.35 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/22/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.277%. The closest Index available in our look-back period is 1.355%. ***Missing Initial Loan Application Test          
203395881 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 65.128% 65.128% 1 In Arrears 04/24/2005 48.395%   621 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1976 $585,000.00 1004/70 03/18/2005 Negative Amortization $381,000.00 5.730% Monthly XX/XX/XXXX 07/15/2005 06/15/2035 360 360 No $1,398.75 Yes 07/15/2005 05/15/2018 07/15/2006 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.610% 3.450% 6.220% 2.280% 0.000% 0.000% 6.220% 2.280% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $69.94 HUD   To Borrower $55,320.09 $90,790.09 No No Escrows $0.00 No                   5.831%   $477,901.16 $376,049.45 XX/XX/XXXX   N/A N/A   H-8 05/24/2005 N/A 05/28/2005           Yes No Pass Fail ($45,728.43) $4,201.50 $30,072.10 Pass 8.000% Pass No N/A $11,821.50 $22,554.08 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/02/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Under disclosure due to index value. Lender approval in file reflects an index of 2.28%; however, the only index in the lookback period is 2.61%. ***TIL APR Tolerance Irregular Transaction: Under disclosure due to index value. Lender approval in file reflects an index of 2.28%; however, the only index in the lookback period is 2.61%. ***Right of Rescission Timing - Receipt Date Missing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test ***(Doc Error) TIL Error: Borrower signature not dated.          
203395897 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 11/21/2006     601 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1950 $775,000.00 1004/70 11/20/2006 Negative Amortization $620,000.00 7.890% Monthly XX/XX/XXXX 01/15/2007 12/12/2036 360 360 No $2,291.65 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.650% 3.400% 4.060% 4.490% 0.000% 0.000% 4.060% 4.490% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $114.58 HUD 12/05/2006 To Borrower $93,102.86 $93,102.86 No Taxes and Insurance $464.67 No                   8.046%   $1,314,811.54 $607,272.80 XX/XX/XXXX   N/A N/A   H-8 11/30/2006 N/A 12/05/2006 11/09/2006 11/09/2006       Yes No Pass Fail ($21,162.01) $11,457.08 $48,576.21 Pass 8.000% Pass No N/A $0.00 $43,400.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/30/2006     2           ***CHARM Booklet Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 4.65%, approval states index is 4.49% ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203395912 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 86.154% 86.154% 1 In Arrears 05/03/2007 35.750%   745 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1902 $520,000.00 1025/72 05/30/2007 Fixed Rate $448,000.00 7.850% Monthly XX/XX/XXXX 08/01/2007 07/01/2037 360 360 No $1,770.03 No     08/01/2008 08/01/2018   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $53.10 HUD 06/05/2007 To Borrower $52,543.16 $55,318.77 No Taxes and Insurance $0.00 No                   7.958%   $944,650.75 $439,742.90 XX/XX/XXXX   N/A N/A   H-8 06/01/2007 N/A 06/06/2007 06/03/2007 06/03/2007       Yes No Pass Fail ($257.76) $6,521.00 $35,117.91 Pass 8.000% Pass No N/A $15,417.00 $22,400.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/31/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203395936 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 79.231% 79.231% 1 In Arrears 10/11/2006 24.000%   647 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $650,000.00 Stated   Negative Amortization $515,000.00 7.597% Biweekly XX/XX/XXXX 12/04/2006 11/20/2036 360 360 No $888.69 Yes 12/18/2006 05/18/2018 12/03/2007 12/03/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.700% 4.353% 4.897% 0.000% 0.000% 4.353% 4.897% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $26.66 HUD 10/31/2006 To Borrower $52,439.33 $214,970.11 Yes Taxes and Insurance $295.22 No                   7.712%   $823,206.85 $506,373.70 XX/XX/XXXX   N/A N/A   H-9 10/26/2006 N/A 10/31/2006           Yes No Pass Fail ($111,593.15) $7,026.50 $40,465.89 Pass 8.000% Pass No N/A $22,446.00 $25,750.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/26/2006     2 ***Missing Valuation:: Appraisal not provided. ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***ARM Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: Bi weekly ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203395939 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Streamline   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.884% 74.884% 1 In Arrears 08/05/2007 41.500%   653 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1929 $430,000.00 1004/70 06/28/2007 Negative Amortization $322,000.00 8.024% Monthly XX/XX/XXXX 10/15/2007 09/15/2037 360 360 No $1,182.14 Yes 10/15/2007 05/15/2018 10/15/2008 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 5.333% 2.700% 3.926% 5.324% 0.000% 0.000% 3.926% 5.324% 11.950% 2.700% 11.950% 2.700% No   36 2% Yes 125.000% Percent 3.000% 15   $35.46 HUD   To Borrower $15,746.42 $28,668.99 N/A Taxes and Insurance $992.72 No                   8.239%   $694,589.27 $312,612.99 XX/XX/XXXX   N/A N/A   H-8 09/05/2007 N/A 09/10/2007 08/20/2007 08/20/2007       Yes No Pass Pass $7,838.25 $1,400.00 $25,619.68 Pass 8.000% Pass No N/A $15,820.00 $16,100.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/05/2007     2           ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test          
203395966 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 05/12/2006     620 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1984 $700,000.00 1004/70 04/28/2006 Negative Amortization $525,000.00 6.860% Biweekly XX/XX/XXXX 07/03/2006 06/19/2036 360 360 No $1,050.90 Yes 07/17/2006 05/17/2018 07/02/2007 07/02/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.400% 5.090% 3.460% 0.000% 0.000% 5.090% 3.460% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 3.000% 15   $31.53 HUD 06/01/2006 To Borrower $13,388.95 $13,388.95 No Taxes $1,191.44 No                   6.879%   $652,923.84 $522,202.08 XX/XX/XXXX   N/A N/A   H-8 05/26/2006 N/A 06/01/2006 04/14/2006 04/14/2006       Yes No Pass Fail ($131,224.22) $635.00 $41,798.81 Pass 8.000% Pass No N/A $565.00 $26,250.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/26/2006     2 ***Title Policy is Preliminary or Commitment, and not a Final Title Policy.         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $652923.84 is underdisclosed from calculated Finance Charge of $703500.05 in the amount of $-50576.21. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 6.879% is underdisclosed from calculated APR of 7.204% in the amount of -0.325%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.79%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Federal FACTA Disclosure Timing Test          
203395993 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 07/14/2005 39.022%   752 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1993 $634,000.00 2055 w/ Interior 01/08/2003 Negative Amortization $600,000.00 5.460% Biweekly XX/XX/XXXX 09/05/2005 08/22/2035 360 360 No $1,101.38 Yes 09/19/2005 05/19/2018 09/04/2006 09/04/2018 1 12 GDW-COSI Most recent index available 0.000 None   2.850% 6.490% 2.610% 0.000% 0.000% 6.490% 2.610% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $55.07 HUD 08/09/2005 To Borrower $62,866.84 $84,859.84 Yes Taxes $1,531.42 No                   5.475%   $561,541.07 $597,297.50 XX/XX/XXXX   N/A N/A   H-9 08/02/2005 N/A 08/06/2005           Yes No Pass Fail ($83,207.24) $1,209.30 $47,802.45 Pass 8.000% Pass No N/A $1,209.30 $35,851.84 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 08/09/2005     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $561,541.07 is underdisclosed from calculated Finance Charge of $593494.87 in the amount of $31953.80. Lender Index of 2.61% as reflected on the loan approval is not available in our look-back period. Closest available index is 2.89%. ***CHARM Booklet Disclosure Status          
203395996 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 70.644% 70.644% 1 In Arrears 12/16/2005     627 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1919 $637,000.00 1004/70 01/03/2006 Negative Amortization $450,000.00 6.540% Monthly XX/XX/XXXX 03/01/2006 02/01/2036 360 360 No $1,754.74 Yes 03/01/2006 05/01/2018 03/01/2007 03/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.400% 5.410% 3.140% 0.000% 0.000% 5.410% 3.140% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $87.74 HUD 01/17/2006 To Borrower $15,179.28 $25,183.29 No No Escrows $0.00 No                   6.576%   $678,632.66 $446,541.03 XX/XX/XXXX   N/A N/A   H-8 01/10/2006 N/A 01/14/2006 01/04/2006 01/04/2006       Yes No Pass Fail ($17,756.55) $1,922.00 $35,749.48 Pass 8.000% Pass No N/A $10,922.00 $26,812.11 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/19/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396000 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 82.759% 82.759% 1 In Arrears 10/09/2007 44.094%   694 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1925 $580,000.00 1004/70 10/23/2007 Negative Amortization $480,000.00 7.850% Monthly XX/XX/XXXX 01/01/2008 12/01/2037 360 360 No $1,762.20 Yes 01/01/2008 05/01/2018 01/01/2009 01/01/2019 1 12 W-COSI Most recent index available 0.000 None 4.900% 3.000% 4.100% 4.850% 0.000% 0.000% 4.100% 4.850% 11.950% 3.000% 11.950% 3.000% No       Yes 125.000% Percent 5.000% 15   $88.11 HUD 11/13/2007 To Borrower $6,966.95 $18,979.95 No Taxes and Insurance $247.44 No                   7.926%   $1,008,072.14 $473,701.13 XX/XX/XXXX   N/A N/A   H-8 11/07/2007 N/A 11/12/2007   11/06/2007       Yes No Pass Fail ($4,525.76) $4,064.50 $37,926.18 Pass 8.000% Pass No N/A $4,064.50 $28,444.64 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/14/2007     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9% ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status          
203396012 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 08/14/2007     664 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX DE XXXXXXX XXXXXXX $1,243,764.00 2007 $1,270,000.00 1004/70 06/27/2007 Negative Amortization $995,011.00 8.150% Monthly XX/XX/XXXX 10/15/2007 09/15/2037 360 360 No $3,652.93 Yes 10/15/2007 05/15/2018 10/15/2008 10/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.250% 3.800% 4.900% 0.000% 0.000% 3.800% 4.900% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $182.65 HUD   From Borrower $250,389.77   N/A No Escrows $0.00 No                   8.164%   $2,151,241.41 $993,186.83 XX/XX/XXXX   N/A N/A       N/A 09/19/2007 08/28/2007 08/28/2007       No N/A Pass Pass $17,019.38 $1,653.00 $79,450.86 N/A 8.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/14/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203396025 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB 60.000% 60.000% 1 In Arrears 07/26/2003 33.000%   523 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1961 $550,000.00 2055 w/ Interior 04/07/2003 Negative Amortization $330,000.00 5.490% Monthly XX/XX/XXXX 10/15/2003 09/15/2033 360 360 No $1,211.51 Yes 10/15/2003 05/15/2018 10/15/2004 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.030% 3.350% 6.460% 2.140% 0.000% 0.000% 6.460% 2.140% 11.950% 3.350% 11.950% 3.350% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $60.58 HUD 09/03/2003 To Borrower $195,412.36 $204,535.36 No No Escrows $0.00 No                   5.627%   $389,245.97 $323,511.95 XX/XX/XXXX   N/A N/A   H-8 08/26/2003 N/A 08/30/2003           Yes No Pass Pass $12,046.83 $5,919.05 $25,874.85 Pass 8.000% Pass No N/A $11,694.05 $19,406.13 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/03/2003     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test          
203396027 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 70.829% 70.829% 1 In Arrears 02/18/2006 18.787%   653 Fee Simple XXXXXX XXXXXX   XXXXXX                     3 Family 3 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1987 $700,000.00 1025/72 02/22/2006 Negative Amortization $495,800.00 6.740% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $2,090.32 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.500% 5.510% 3.240% 0.000% 0.000% 5.510% 3.240% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $125.42 HUD 03/24/2006 To Borrower $234,769.09 $234,769.09 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 03/23/2006           No N/A     $0.00 $2,370.00 $39,305.94 N/A 8.000% N/A N/A N/A $2,370.00 $29,479.46 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 03/24/2006     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Missing Initial Loan Application Test          
203396039 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.000% 90.000% 1 In Arrears 02/07/2006     669 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $750,000.00 1986 $750,000.00 1004/70 01/18/2006 Negative Amortization $562,500.00 6.490% Monthly XX/XX/XXXX 05/01/2006 04/01/2036 360 360 No $2,193.43 Yes 05/01/2006 05/01/2018 05/01/2007 05/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.250% 5.460% 3.240% 0.000% 0.000% 5.460% 3.240% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $109.67 HUD 03/09/2006 From Borrower $77,549.84   N/A No Escrows $0.00 No                   6.581%   $840,974.97 $554,034.02 XX/XX/XXXX   N/A N/A       N/A 03/11/2006 01/26/2006 01/26/2006       No N/A Pass Fail ($50,395.19) $5,754.50 $44,347.60 N/A 8.000% N/A N/A N/A $11,379.50 $33,260.70 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/09/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Timing          
203396063 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 65.000% 65.000% 1 In Arrears 05/13/2005     652 Fee Simple XXXXXX XXXXXX   XXXXXX                     3 Family 3 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $475,000.00 1025/72 03/07/2005 Negative Amortization $308,750.00 5.613% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $1,065.56 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 2.332% 3.450% 6.337% 2.163% 0.000% 0.000% 6.337% 2.163% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $31.97 HUD   To Borrower $119,967.14 $119,967.14 No Taxes and Insurance $319.36 No                   5.733%   $388,836.15 $302,798.06 XX/XX/XXXX   N/A N/A   H-8 06/13/2005 N/A 06/17/2005           Yes No Pass Fail ($19,178.28) $5,302.50 $24,222.62 Pass 8.000% Pass No N/A $12,951.25 $15,437.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/13/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan Application/Commitment Recap indicates the Index used was 1.693%. The closest Index available in our look-back period is 2.33167%.          
203396076 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.487% 74.487% 1 In Arrears 09/22/2005     629 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1999 $780,000.00 2055 w/ Interior 09/19/2005 Negative Amortization $581,000.00 6.030% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $2,133.00 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None   3.250% 5.920% 2.780% 0.000% 0.000% 5.920% 2.780% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $106.65 HUD 10/07/2005 To Borrower $10,998.52 $33,392.52 No No Escrows $0.00 No                   6.054%   $787,442.13 $578,313.20 XX/XX/XXXX   N/A N/A   H-8 10/01/2005 N/A 10/06/2005 09/28/2005 09/28/2005       Yes No Pass Fail ($63,322.86) $1,632.00 $46,280.33 Pass 8.000% Pass No N/A $7,487.00 $34,710.25 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/07/2005     2           ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the Index used was 2.78%. The closest Index available in our look-back period is 3.06%; ***TIL APR Tolerance Irregular Transaction: Loan Approval indicates the Index used was 2.78%. The closest Index available in our look-back period is 3.06%.          
203396113 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.783% 79.783% 1 In Arrears 07/10/2007 39.687%   687 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1953 $920,000.00 1004/70 09/15/2007 Negative Amortization $734,000.00 7.730% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $2,694.70 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.850% 4.220% 4.880% 0.000% 0.000% 4.220% 4.880% 11.950% 2.850% 11.950% 2.850% No   12 2% Yes 125.000% Percent 5.000% 15   $134.74 HUD 10/25/2007 To Borrower $10,145.28 $48,146.16 No No Escrows $0.00 No                   7.757%   $1,523,160.12 $727,877.20 XX/XX/XXXX   N/A N/A   H-8 10/18/2001 N/A 10/23/2007 09/21/2007 09/21/2007       Yes No Pass Fail ($1,303.48) $2,247.00 $58,254.21 Pass 8.000% Pass No N/A $2,297.00 $43,690.65 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/25/2007     2           ***Final TIL Finance Charge Under Disclosed: Approval indicate the Index used was 4.85%. The closest Index available in our look back period is 4.9%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing          
203396120 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Fastrack   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 67.708% 67.708% 1 In Arrears 10/29/2003 20.000%   571 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1975 $480,000.00 2055 w/ Interior 11/11/2003 Negative Amortization $325,000.00 4.894% Monthly XX/XX/XXXX 01/15/2004 12/15/2033 360 360 No $1,193.16 Yes 01/15/2004 05/15/2018 01/15/2005 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.194% 3.700% 7.056% 1.194% 0.000% 0.000% 7.056% 1.194% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.66 HUD 12/01/2003 To Borrower $22,275.76 $114,786.49 No No Escrows $0.00 No                   5.010%   $323,029.29 $319,671.14 XX/XX/XXXX   N/A N/A   H-8 11/24/2003 N/A 11/29/2003           Yes No Pass Pass $468.02 $4,300.00 $25,607.19 Pass 8.000% Pass No N/A $10,900.00 $19,205.39 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/02/2003     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396123 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 62.602% 62.602% 1 In Arrears 06/10/2006 34.425%   630 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $1,220,000.00 1004/70 06/19/2006 Negative Amortization $763,750.00 7.110% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $2,803.92 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI 30 days 0.000 None 3.940% 3.450% 4.840% 3.660% 0.000% 0.000% 4.840% 3.660% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $84.12 HUD   To Borrower $151,228.80 $151,228.80 Yes No Escrows $0.00 No                   7.170%   $1,387,224.04 $757,996.98 XX/XX/XXXX   N/A N/A   H-9 07/10/2006 N/A 07/14/2006           Yes No Pass Fail ($102,015.28) $6,229.25 $60,589.75 Pass 8.000% Pass No N/A $21,473.75 $38,187.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/10/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Prior to Closing Timing ***Notice of Right To Cancel Not Provided to All Required Parties ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.66%. The lowest Index available within the look-back period is 3.94%. ***TIL APR Tolerance Irregular Transaction: Closing instructions indicate the Index used was 3.66%. The lowest Index available within the look-back period is 3.94%. ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***(Doc Error) TIL Error: Final TIL not signed by all required parties          
203396136 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 05/14/2007 37.082%   669 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1990 $570,000.00 1004/70 06/05/2007 Negative Amortization $456,000.00 7.890% Monthly XX/XX/XXXX 08/15/2007 07/15/2037 360 360 No $1,466.68 Yes 08/15/2007 05/15/2018 08/15/2008 08/15/2018 1 12 W-COSI 30 days 0.000 None 4.910% 2.950% 4.060% 4.940% 0.000% 0.000% 4.060% 4.940% 11.950% 2.950% 11.950% 2.950% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $44.00 HUD 06/19/2007 To Borrower $66,969.62 $66,969.62 N/A Taxes and Insurance $0.00 No                   8.039%   $953,944.63 $446,470.18 XX/XX/XXXX   N/A N/A   H-8 06/14/2007 N/A 06/19/2007 05/21/2007 05/21/2007       Yes No Pass Pass $5,519.14 $8,279.41 $35,612.62 Pass 8.000% Pass No N/A $19,609.41 $22,800.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/19/2007     2           ***(Missing Data) Unable to determine if loan is a same lender refi ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203396147 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI Stated XXXXXX Wells Fargo Bank, N.A. 101.639% 101.639% 1 In Arrears 02/28/2013     606 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $680,000.00 Stated   Fixed Rate $691,147.00 4.250% Monthly XX/XX/XXXX 06/01/2013 05/01/2039 312 312 No $3,663.61 No                                             N/A       No   Percent 5.000% 15   $183.18 HUD 04/02/2013 From Borrower $28.42   Yes No Escrows $0.00 No                   4.250%   $454,234.12 $688,813.08 XX/XX/XXXX Yes N/A N/A Yes H-9 03/28/2013 N/A 04/02/2013           Yes No Pass Pass $0.10 $0.00 $55,105.04 Pass 8.000% Pass No N/A $0.00 $41,328.78 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/28/2013     2 ***Missing Valuation:: Appraisal not provided         ***SAFE Act - LO Company NMLS license status not approved ***SAFE Act - Individual LO not licensed at time of application ***SAFE Act - Individual LO NMLS license status not approved ***SAFE Act - LO Company not licensed at time of application ***TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application ***RESPA Servicing Disclosure: Servicing Disclosure Statement Missing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***RESPA (2010) - Initial Payment on GFE Inaccurate ***RESPA (2010) - Loan Amount on Final GFE Inaccurate ***RESPA - Initial GFE Not Provided Within 3 Business Days of Application ***RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days ***Missing Initial Loan Application Test ***(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing          
203396149 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 53.289% 53.289% 1 In Arrears 09/15/2004 44.000%   670 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1988 $760,000.00 1004/70 09/30/2004 Negative Amortization $405,000.00 4.412% Monthly XX/XX/XXXX 12/15/2004 11/15/2034 360 360 No $1,486.86 Yes 12/15/2004 05/15/2018 12/15/2005 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.277% 3.200% 7.538% 1.212% 0.000% 0.000% 7.538% 1.212% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $74.34 HUD 10/21/2004 To Borrower $1,090.68 $38,895.40 No No Escrows $0.00 No                   4.427%   $344,893.24 $402,961.04 XX/XX/XXXX   N/A N/A   H-8 10/15/2004 N/A 10/20/2004           Yes No Pass Fail ($6,813.13) $1,108.30 $32,209.49 Pass 8.000% Pass No N/A $1,108.30 $24,157.12 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/21/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates 1.212% the closest index available during look back period was 1.27667%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396193 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   WORLD SAVINGS BAN, FSB, A FEDERAL SAVINGS BANK 60.265% 60.265% 1 In Arrears 10/21/2003     697 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX $1,132,500.00 2002 $1,132,500.00 2055 w/ Interior 11/06/2003 Negative Amortization $682,500.00 5.750% Biweekly XX/XX/XXXX 12/22/2003 12/08/2033 361 361 No $1,253.16 Yes 01/05/2004 05/05/2018 12/20/2004 12/20/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.860% 3.300% 6.200% 2.450% 0.000% 0.000% 6.200% 2.450% 11.950% 3.300% 11.950% 3.300% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $37.59 HUD 11/21/2003 From Borrower $459,247.67   N/A No Escrows $0.00 No                   5.304%   $608,505.87 $676,808.02 XX/XX/XXXX   N/A N/A       N/A 11/26/2003           Yes N/A Pass Fail ($24,511.72) $5,050.80 $54,062.64 N/A 8.000% N/A N/A N/A $5,050.80 $34,125.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/21/2003     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203396211 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 70.000% 70.000% 1 In Arrears 07/11/2006 40.115%   655 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $850,000.00 Stated   Negative Amortization $595,000.00 7.040% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $2,053.47 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.250% 4.910% 3.790% 0.000% 0.000% 4.910% 3.790% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $102.67 HUD   To Borrower $99,901.07 $149,925.57 N/A Taxes and Insurance $3,174.14 No                   7.060%   $1,093,653.60 $593,530.00 XX/XX/XXXX   N/A N/A   H-8 08/11/2006 N/A 08/16/2006           Yes No Pass Fail ($83,316.78) $1,907.23 $47,171.99 Pass 8.000% Pass No N/A $1,907.23 $35,378.99 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/17/2006     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***TIL APR Tolerance Irregular Transaction: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203396247 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 63.750% 63.750% 1 In Arrears 04/03/2006     611 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1947 $640,000.00 1004/70 04/12/2006 Negative Amortization $408,000.00 6.710% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $1,497.87 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.250% 5.240% 3.460% 0.000% 0.000% 5.240% 3.460% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $74.89 HUD 04/26/2006 To Borrower $2,320.28 $2,772.28 No No Escrows $0.00 No                   6.906%   $675,581.06 $396,833.00 XX/XX/XXXX   N/A N/A   H-8 04/21/2006 N/A 04/26/2006           Yes No Pass Fail ($35,546.09) $9,792.00 $31,742.64 Pass 8.000% Pass No N/A $9,792.00 $23,806.98 Pass 8.000% Pass No N/A N/A N/A N/A Yes HUD1, not signed or stamped 04/20/2006     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%. ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test          
203396289 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 09/23/2007 39.305%   650 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1957 $170,000.00 1004/70 10/09/2007 Negative Amortization $136,000.00 7.850% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $555.21 Yes 11/15/2010 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 3.150% 4.100% 4.700% 0.000% 0.000% 4.100% 4.700% 11.950% 3.150% 11.950% 3.150% No   36 2% Yes 125.000% Percent 5.000% 15   $27.76 HUD   To Borrower $0.00 $0.00 No No Escrows $0.00 No                   8.076%   $290,145.38 $134,077.75 XX/XX/XXXX   N/A N/A   H-8 10/23/2007 N/A 10/27/2007   10/19/2007       Yes No Pass Fail ($913.10) $1,369.18 $10,740.04 Pass 8.000% Pass No N/A $1,369.18 $10,740.04 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/06/2007     2           ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9% ***CHARM Booklet Disclosure Status          
203396298 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 64.286% 64.286% 1 In Arrears 11/28/2007 24.000%   612 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1953 $280,000.00 1004/70 12/07/2007 Fixed Rate $180,000.00 6.950% Monthly XX/XX/XXXX 03/01/2008 02/01/2038 360 360 No $823.43 No     03/01/2009 03/01/2019   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.17 HUD 01/04/2008 To Borrower $6,981.11 $6,981.11 No No Escrows $0.00 No                   7.051%   $277,268.26 $176,971.90 XX/XX/XXXX   N/A N/A   H-8 12/28/2007 N/A 01/03/2008           Yes No Pass Pass $384.27 $2,169.00 $14,188.49 Pass 8.000% Pass No N/A $2,169.00 $14,188.49 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/28/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396299 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Alt   World Savings Bank, FSB, a Federal Savings Bank 70.000% 70.000% 1 In Arrears 06/17/2006 42.693%   537 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1942 $64,000.00 1004/70 07/05/2006 Misc. ARM $44,800.00 6.350% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $278.77 No 02/15/2007 08/15/2018 03/15/2007 09/15/2018 6 6 CODI 45 days 0.001 Nearest 4.318% 2.650% 5.900% 3.700% 1.000% 1.000% 5.900% 3.700% 12.250% 2.650% 12.250% 2.650% N/A       No   Percent 5.000% 15   $13.94 HUD 07/21/2006 To Borrower $43,479.25 $43,479.25 No No Escrows $0.00 No                   6.979%   $62,389.75 $44,380.67 XX/XX/XXXX   N/A N/A   H-8 07/17/2006 N/A 07/21/2006 06/26/2006 06/26/2006       Yes No Pass Fail ($48.95) $265.00 $3,547.22 Pass 8.000% Pass No N/A $266.00 $3,547.22 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 07/17/2006     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***ARM Disclosure Prior to Closing Timing ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: The itemization of amount financed indicated the prepaid closing cost of $419.33, the HUD indicates $459.75. The itemization only indicated a lump sum. ***Missing Initial Loan Application Test          
203396301 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 12/12/2005     610 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1978 $104,000.00 1004/70 12/22/2005 Misc. ARM $83,200.00 5.750% Monthly XX/XX/XXXX 03/01/2006 02/01/2036 360 360 No $485.54 Yes 08/01/2006 08/01/2018 09/01/2006 09/01/2018 6 6 CODI 45 days 0.001 Nearest 3.174% 3.450% 6.500% 2.300% 1.000% 1.000% 6.500% 2.300% 12.250% 3.450% 12.250% 3.450% N/A       No   Percent 5.000% 15   $24.28 HUD   To Borrower $17,383.23 $17,383.23 No Taxes and Insurance $408.30 No                   6.758%   $109,812.88 $81,480.98 XX/XX/XXXX   N/A N/A   H-8 01/11/2006 N/A 01/17/2006 01/09/2006 01/09/2006       Yes No Pass Pass $207.52 $1,294.00 $6,535.69 Pass 8.000% Pass No N/A $1,295.00 $6,535.69 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 01/11/2006     3           ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan)          
203396306 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 09/07/2006     617 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1994 $225,000.00 1073/465 09/18/2006 Negative Amortization $157,500.00 7.574% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $543.57 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.774% 2.800% 4.376% 4.774% 0.000% 0.000% 4.376% 4.774% 11.950% 2.800% 11.950% 2.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $27.18 HUD 10/02/2006 To Borrower $3,002.25 $4,386.95 No Insurance $1,322.20 No                   7.815%   $320,510.27 $152,523.16 XX/XX/XXXX   N/A N/A   H-8 09/27/2006 N/A 10/02/2006 09/26/2006 09/26/2006       Yes No Pass Pass $101.97 $4,592.00 $12,198.65 Pass 8.000% Pass No N/A $4,592.00 $12,198.65 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/27/2006     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status          
203396313 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 74.074% 74.074% 1 In Arrears 02/22/2006 29.792%   598 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1930 $235,000.00 2055 w/ Interior 08/10/2005 Negative Amortization $180,000.00 6.760% Biweekly XX/XX/XXXX 05/01/2006 04/17/2036 360 360 No $360.31 Yes 05/15/2006 05/15/2018 04/30/2007 04/30/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.400% 5.190% 3.360% 0.000% 0.000% 5.190% 3.360% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $10.81 HUD 03/27/2006 To Borrower $34,168.52 $34,168.52 Yes No Escrows $0.00 No                   7.014%   $223,173.85 $174,660.15 XX/XX/XXXX   N/A N/A   H-9 03/22/2006 N/A 03/27/2006 02/16/2006 02/16/2006       Yes No Pass Fail ($32,149.77) $5,162.82 $13,930.81 Pass 8.000% Pass No N/A $5,132.32 $9,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/22/2006     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $223173.85 is underdisclosed from calculated Finance Charge of $233663.92 in the amount of $-10490.07. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.56%. Truth In Lending Act: Final TIL APR of 7.014% is underdisclosed from calculated APR of 7.243% in the amount of -0.229%. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.56%. ***Missing Initial Loan Application Test ***Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement          
203396314 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 09/27/2005 26.365%   527 Fee Simple XXXXXX XXXXXX   XXXXXX                     3 Family 3 XXXXXXX XXXXXXX CT XXXXXXX XXXXXXX   1925 $215,000.00 1025/72 10/05/2005 Negative Amortization $150,500.00 6.340% Biweekly XX/XX/XXXX 11/28/2005 11/14/2035 362 362 No $276.27 Yes 12/12/2005 05/12/2018 11/27/2006 11/27/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.450% 5.610% 2.890% 0.000% 0.000% 5.610% 2.890% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $13.81 HUD 10/24/2005 To Borrower $7,252.78 $50,584.78 No Taxes and Insurance $1,436.66 No                   6.544%   $178,374.59 $146,696.59 XX/XX/XXXX   N/A N/A   H-8 10/19/2005 N/A 10/24/2005 10/13/2005 10/13/2005       Yes No Pass Fail ($26,133.57) $2,915.00 $11,762.76 Pass 8.000% Pass No N/A $0.00 $0.00 N/A 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/19/2005     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $178,374.59 is underdisclosed from calculated Finance Charge of $185255.95 in the amount of $6881.36. ***Missing Initial Loan Application Test          
203396315 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 80.000% 89.489% 1 In Arrears 04/10/2006 39.375%   623 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1973 $242,000.00 1073/465 04/01/2006 Negative Amortization $193,600.00 6.860% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $880.20 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.400% 5.090% 3.460% 0.000% 0.000% 5.090% 3.460% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.01 HUD 05/15/2006 To Borrower $8,610.53 $27,310.83 No Taxes $818.90 No                   7.029%   $293,175.90 $190,017.00 XX/XX/XXXX   N/A N/A   H-8 05/10/2006 N/A 05/15/2006           Yes No Pass Fail ($14,553.99) $3,633.00 $15,147.86 Pass 8.000% Pass No N/A $0.00 $13,552.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/10/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396323 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 77.625% 77.625% 1 In Arrears 05/23/2006 40.188%   577 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1986 $200,000.00 1004/70 05/24/2006 Negative Amortization $155,250.00 6.460% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $581.63 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 2.800% 5.490% 3.660% 0.000% 0.000% 5.490% 3.660% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $29.08 HUD 06/13/2006 To Borrower $20,274.74 $20,274.74 No Taxes and Insurance $0.00 No                   6.794%   $239,714.75 $149,087.54 XX/XX/XXXX   N/A N/A   H-8 06/08/2006 N/A 06/13/2006           Yes No Pass Fail ($8,013.34) $6,157.00 $11,923.04 Pass 8.000% Pass No N/A $6,157.00 $8,942.28 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/08/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396350 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 79.675% 79.675% 1 In Arrears 02/02/2006 41.880%   643 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Townhouse 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1992 $246,000.00 1004/70 02/23/2006 Negative Amortization $196,000.00 6.640% Biweekly XX/XX/XXXX 04/10/2006 03/10/2036 360 360 No $392.34 Yes 04/24/2006 05/24/2018 04/09/2007 04/09/2019 1 12 GDW-COSI 30 days 0.000 None 3.360% 3.400% 5.310% 3.240% 0.000% 0.000% 5.310% 3.240% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $19.62 HUD 03/08/2006 To Borrower $6,876.07 $6,876.07 No Taxes and Insurance $612.10 No                   6.815%   $235,045.41 $191,798.00 XX/XX/XXXX   N/A N/A   H-8 03/02/2006 N/A 03/07/2006           Yes No Pass Fail ($28,393.47) $3,711.00 $15,328.78 Pass 8.000% Pass No N/A $7,567.00 $8,669.70 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/03/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $235045.41 is underdisclosed from calculated Finance Charge of $241517.2 in the amount of $-6471.79. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%. Truth In Lending Act: Final TIL APR of 6.815% is underdisclosed from calculated APR of 6.953% in the amount of -0.138%. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.36%. ***Missing Initial Loan Application Test          
203396352 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.280% 71.280% 1 In Arrears 06/22/2004 30.000%   558 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1967 $125,000.00 1004/70 06/15/2004 Misc. ARM $89,100.00 4.500% Monthly XX/XX/XXXX 09/15/2004 08/15/2034 360 360 No $451.46 Yes 02/15/2005 08/15/2018 03/15/2005 09/15/2018 6 6 CODI 45 days 0.001 Nearest 1.118% 3.600% 7.750% 0.900% 1.000% 1.000% 7.750% 0.900% 12.250% 3.600% 12.250% 3.600% N/A       No   Percent 5.000% 15   $22.57 HUD   To Borrower $8,652.34 $26,767.34 No No Escrows $0.00 No                   4.780%   $78,438.81 $88,145.38 XX/XX/XXXX   N/A N/A   H-8 07/22/2004 N/A 07/27/2004           Yes No Pass Pass ($5.18) $751.50 $7,051.19 Pass 8.000% Pass No N/A $752.50 $7,051.19 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 07/22/2004     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203396353 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 61.000% 61.000% 1 In Arrears 09/07/2005 24.107%   608 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $200,000.00 Desk-Top Review 09/21/2005 Negative Amortization $122,000.00 6.180% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $447.90 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.400% 5.770% 2.780% 0.000% 0.000% 5.770% 2.780% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $22.40 HUD   To Borrower $35,965.08 $80,351.24 No Taxes and Insurance $327.31 No                   6.343%   $174,576.57 $119,319.41 XX/XX/XXXX   N/A N/A   H-8 09/27/2005 N/A 10/01/2005           Yes No Pass Fail ($9,110.05) $2,737.60 $9,521.15 Pass 8.000% Pass No N/A $5,177.60 $7,140.86 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/04/2005     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.78%. The closes Index available in our look-back period is 2.97%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396362 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 12/08/2005     633 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1988 $238,000.00 1004/70 12/14/2005 Negative Amortization $190,400.00 6.510% Biweekly XX/XX/XXXX 02/06/2006 01/23/2036 360 360 No $361.48 Yes 02/20/2006 05/20/2018 02/05/2007 02/05/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.450% 5.440% 3.060% 0.000% 0.000% 5.440% 3.060% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 3.000% 15   $10.84 HUD   To Borrower $1,429.81 $1,429.81 No No Escrows $0.00 No                   6.693%   $229,323.24 $186,103.05 XX/XX/XXXX   N/A N/A   H-8 12/29/2005 N/A 01/03/2006           Yes No Pass Fail ($33,517.38) $4,250.00 $14,840.24 Pass 8.000% Pass No N/A $7,988.00 $9,520.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/29/2005     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $229,323.24 is underdisclosed from calculated Finance Charge of $229764.72 in the amount of $441.48. Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%. ***CHARM Booklet Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203396365 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank 67.893% 67.893% 1 In Arrears 09/26/2007 33.232%   557 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX     $212,100.00 Stated   Misc. ARM $144,000.00 7.400% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $997.03 Yes 05/15/2008 05/15/2018 06/15/2008 06/15/2018 6 6 CODI Most recent index available 0.001 Up 5.343% 3.200% 1.000% 1.000% 1.000% 1.000% 4.850% 4.200% 8.400% 6.400% 12.250% 3.200% N/A       No   Percent 5.000% 15   $49.85 HUD 11/02/2007 To Borrower $60,565.15 $60,565.15 No No Escrows $0.00 No                   8.660%   $257,934.57 $141,056.65 XX/XX/XXXX   N/A N/A   H-8 10/29/2007 N/A 11/02/2007 10/24/2007 10/24/2007       Yes No Pass Pass $20.81 $2,507.00 $11,289.08 Pass 8.000% Pass No N/A $2,508.00 $11,289.08 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 10/29/2007     3 ***Missing Valuation:: Appraisal not provided         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely): The notary date is after the AFMV signature date. ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal) ***Missing Initial Loan Application Test          
203396374 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 09/08/2005     688 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Mid Rise) 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1980 $185,000.00 2055 w/ Interior 09/14/2005 Negative Amortization $138,750.00 6.180% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $509.39 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.400% 5.770% 2.780% 0.000% 0.000% 5.770% 2.780% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $25.47 HUD 09/30/2005 To Borrower $39,280.22 $39,280.22 No No Escrows $0.00 No                   6.440%   $200,162.51 $134,085.65 XX/XX/XXXX   N/A N/A   H-8 09/26/2005 N/A 09/30/2005           Yes No Pass Fail ($10,169.24) $3,931.90 $10,749.74 Pass 8.000% Pass No N/A $3,931.90 $10,749.74 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/26/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan commitment indicates the Index used was 2.78%. The closest Index available in our look-back period is 2.97%.          
203396376 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 85.474% 1 In Arrears 06/20/2006     659 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1986 $285,000.00 1073/465 06/01/2006 Negative Amortization $213,750.00 6.910% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $936.13 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.250% 5.040% 3.660% 0.000% 0.000% 5.040% 3.660% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $46.81 HUD 07/25/2006 To Borrower $22,191.93 $22,191.93 No Taxes $537.81 No                   7.082%   $334,866.93 $208,805.63 XX/XX/XXXX   N/A N/A   H-8 07/20/2006 N/A 07/25/2006           Yes No Pass Fail ($38,168.48) $3,910.50 $16,719.17 Pass 8.000% Pass No N/A $0.00 $14,962.50 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/20/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Lender used an index value of 3.66%. Closest in the look back period is 4.11%. ***TIL APR Tolerance Irregular Transaction: Lender used an index value of 3.66%. Closest in the look back period is 4.11%. ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***Federal FACTA Disclosure Timing Test          
203396379 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 79.839% 79.839% 1 In Arrears 11/08/2005 29.550%   603 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1965 $186,000.00 2055 w/ Interior 10/28/2005 Negative Amortization $148,500.00 6.460% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $563.86 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $28.19 HUD 12/13/2005 To Borrower $3,927.18 $5,911.99 No Taxes and Insurance $180.60 No                   6.599%   $224,133.60 $145,971.16 XX/XX/XXXX   N/A N/A   H-8 12/08/2005 N/A 12/13/2005 11/16/2005 11/16/2005       Yes No Pass Fail ($4,744.79) $2,415.00 $11,682.59 Pass 8.000% Pass No N/A $0.00 $10,395.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/08/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Timing ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396409 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 62.500% 62.500% 1 In Arrears 10/31/2005     670 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1954 $240,000.00 1004/70 11/16/2005 Negative Amortization $150,000.00 6.220% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $569.55 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.250% 5.730% 2.969% 0.000% 0.000% 5.730% 2.970% 11.950% 3.251% 11.950% 3.250% No   36 2% Yes 125.000% Percent 5.000% 15   $28.48 HUD 11/23/2005 To Borrower $47,931.06 $47,931.06 No Taxes and Insurance $676.19 No                   6.379%   $212,857.41 $146,601.49 XX/XX/XXXX   N/A N/A   H-8 11/18/2005 N/A 11/23/2005           Yes No Pass Fail ($9,871.77) $2,754.19 $11,734.67 Pass 8.000% Pass No N/A $4,254.19 $8,801.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/23/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.14%; ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396422 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 81.500% 81.500% 1 In Arrears 06/14/2006     528 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX     $163,000.00 Stated   Misc. ARM $130,400.00 6.350% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $811.40 Yes 02/15/2007 08/15/2018 03/15/2007 09/15/2018 6 6 CODI 45 days 0.001 Nearest 4.318% 2.450% 5.900% 3.900% 1.000% 1.000% 5.900% 3.900% 12.250% 2.450% 12.250% 2.450% N/A       No   Percent 5.000% 15   $40.57 HUD 08/07/2006 To Borrower $42,702.54 $42,702.54 Yes Taxes $3,280.64 No                   6.889%   $176,579.67 $128,112.27 XX/XX/XXXX   N/A N/A   H-9 08/01/2006 N/A 08/05/2006 07/19/2006 07/19/2006       Yes No Pass Pass $402.21 $1,704.00 $10,281.15 Pass 8.000% Pass No N/A $1,705.00 $10,281.15 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 07/25/2006     3 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (CLTV Exceeds 80% Threshold): The loan file contains 2 desk reviews from the same reviewer, dated 06/26/2006 and 06/29/2006. The earlier dated desk review indicates they disagree with an original appraised value of $156,000 and that the revised appraised value is $160,000. A copy of the original appraisal for $156,000 was not found in the image file provided. The later dated desk review then indicated that they disagreed with their own $160,000 and that the amended value is $163,000. AMC utilized the lesser $160,000 value in this determination. ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely): Acknowledgment of the Fair Market Value was provided 7/25/2006. ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***ARM Disclosure Timing ***CHARM Booklet Disclosure Status ***(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal)          
203396426 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 11/23/2003       Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1979 $158,000.00 2055 w/ Interior 11/25/2003 Misc. ARM $126,400.00 5.000% Monthly XX/XX/XXXX 03/15/2004 02/15/2034 360 360 No $678.55 Yes 08/15/2004 08/15/2018 09/15/2004 09/15/2018 6 6 CODI 45 days 0.001 Nearest 1.151% 3.450% 7.250% 1.000% 0.000% 0.000% 7.250% 1.010% 12.250% 4.000% 12.250% 3.990% N/A       No   Percent 5.000% 15   $33.93 HUD   To Borrower $42,388.20 $42,388.20 No No Escrows $0.00 No                   4.739%   $109,129.39 $124,479.12 XX/XX/XXXX   N/A N/A   H-9 02/06/2004 N/A 02/11/2004           Yes No Pass Pass $56.56 $1,795.00 $9,962.85 Pass 8.000% Pass No N/A $1,795.00 $9,962.85 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 02/02/2004     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver): Utilized HUD ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203396437 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI SIVA   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 03/28/2006 44.960%   635 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1972 $255,000.00 1004/70 04/19/2006 Negative Amortization $204,000.00 6.860% Biweekly XX/XX/XXXX 06/05/2006 05/22/2036 360 360 No $408.35 Yes 06/19/2006 05/19/2018 06/04/2007 06/04/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.400% 5.090% 3.460% 0.000% 0.000% 5.090% 3.460% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $20.42 HUD   To Borrower $3,725.26 $13,739.15 Yes Taxes and Insurance $676.82 No                   6.932%   $254,861.17 $201,756.95 XX/XX/XXXX   N/A N/A   H-9 04/28/2006 N/A 05/03/2006 04/25/2006 04/25/2006       Yes No Pass Fail ($39,873.27) $1,590.50 $16,131.24 Pass 8.000% Pass No N/A $5,640.00 $9,123.75 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/28/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $254861.17 is underdisclosed from calculated Finance Charge of $266533.33 in the amount of $-11672.16. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.932% is underdisclosed from calculated APR of 7.138% in the amount of -0.206%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. ***ARM Disclosure Timing ***CHARM Booklet Disclosure Timing ***Missing Initial Loan Application Test          
203396439 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 10/20/2004 60.350%   676 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $185,000.00 2055 (Exterior Only) 08/13/2004 Negative Amortization $129,500.00 5.155% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $528.68 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.355% 3.800% 7.095% 1.355% 0.000% 0.000% 7.095% 1.355% 12.250% 3.800% 12.250% 3.800% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $31.72 HUD 11/24/2004 To Borrower $12,373.47 $12,373.47 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 11/26/2004           No N/A     $0.00 $1,916.00 $10,175.99 N/A 8.000% N/A N/A N/A $1,916.00 $7,631.99 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/20/2004     2 ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test          
203396459 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI NINA   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 09/13/2005     607 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1960 $250,000.00 2055 w/ Interior 08/26/2005 Negative Amortization $175,000.00 6.290% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $642.47 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.400% 5.660% 2.890% 0.000% 0.000% 5.660% 2.890% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $32.12 HUD   To Borrower $27,666.69 $27,666.69 No Taxes and Insurance $1,015.47 No                   6.477%   $259,028.82 $170,210.52 XX/XX/XXXX   N/A N/A   H-8 10/13/2005 N/A 10/18/2005           Yes No Pass Fail ($5,668.84) $4,027.00 $13,610.28 Pass 8.000% Pass No N/A $7,527.00 $8,506.42 Pass 6.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/13/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203396463 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 07/19/2005 31.162%   676 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1972 $285,000.00 2055 w/ Interior 08/04/2005 Negative Amortization $228,000.00 6.100% Monthly XX/XX/XXXX 10/15/2005 09/15/2035 360 360 No $837.05 Yes 10/15/2005 05/15/2018 10/15/2006 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 3.400% 5.850% 2.700% 0.000% 0.000% 5.850% 2.700% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.85 HUD 08/24/2005 To Borrower $42,135.82 $67,614.26 No Taxes $745.31 No                   6.180%   $317,184.49 $224,929.80 XX/XX/XXXX   N/A N/A   H-8 09/18/2005 N/A 09/22/2005           Yes No Pass Fail ($17,177.11) $2,502.00 $17,972.78 Pass 8.000% Pass No N/A $0.00 $15,960.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/19/2005     2 ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.7%. The closest Index available in our look-back period is 2.89%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203396479 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.524% 77.524% 1 In Arrears 07/12/2005 29.000%   581 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX OH XXXXXXX XXXXXXX   1980 $210,000.00 2055 w/ Interior 07/14/2005 Negative Amortization $162,800.00 5.860% Monthly XX/XX/XXXX 09/15/2005 08/15/2035 360 360 No $597.68 Yes 09/15/2005 05/15/2018 09/15/2006 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.780% 3.250% 6.090% 2.610% 0.000% 0.000% 6.090% 2.610% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $29.88 HUD 08/08/2005 To Borrower $5,607.56 $49,404.41 No Taxes and Insurance $873.74 No                   5.985%   $212,244.90 $160,150.62 XX/XX/XXXX   N/A N/A   H-8 08/02/2005 N/A 08/06/2005           Yes No Pass Fail ($10,225.95) $2,566.40 $12,804.04 Pass 8.000% Pass No N/A $2,566.40 $12,804.04 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/02/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203396483 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 02/03/2004       Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX GA XXXXXXX XXXXXXX $188,900.00 1990 $190,000.00 1004/70 02/04/2004 Negative Amortization $141,675.00 4.650% Biweekly XX/XX/XXXX 04/05/2004 03/22/2034 360 360 No $260.07 Yes 04/19/2004 05/19/2018 04/04/2005 04/04/2019 1 12 GDW-COSI Most recent index available 0.000 None 1.850% 2.800% 7.300% 1.850% 0.000% 0.000% 7.300% 1.850% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $13.00 HUD 03/03/2004 From Borrower $55,231.98   N/A Taxes and Insurance $710.97 No                   5.083%   $113,870.43 $134,818.35 XX/XX/XXXX   N/A N/A       N/A 03/08/2004           Yes N/A Pass Fail ($5,079.83) $6,780.10 $10,764.08 N/A 8.000% N/A N/A N/A $6,710.10 $6,727.55 Pass 8.000% Pass No N/A N/A N/A No Yes Final HUD1 03/03/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396495 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Second Home Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.106% 75.106% 1 In Arrears 01/14/2005 39.500%   588 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $255,000.00 2055 (Exterior Only) 01/24/2005 Negative Amortization $191,520.00 5.263% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $702.13 Yes 04/15/2005 05/15/2018 04/15/2006 04/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.693% 3.700% 6.687% 1.563% 0.000% 0.000% 6.687% 1.563% 11.950% 3.700% 11.950% 3.700% No   36 2% Yes 125.000% Percent 5.000% 15   $35.11 HUD 02/22/2005 To Borrower $136,667.89 $136,667.89 Yes No Escrows $0.00 No                   5.434%   $212,590.95 $186,602.00 XX/XX/XXXX   N/A N/A       N/A 02/18/2005           No N/A Pass Fail ($7,950.27) $3,928.50 $14,960.98 N/A 8.000% N/A N/A N/A $7,753.50 $11,220.73 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/22/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.563%. The closest Index available in our look-back period is 1.6925%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396508 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 81.333% 81.333% 1 In Arrears 05/13/2006 44.146%   619 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1986 $300,000.00 1004/70 05/08/2006 Negative Amortization $244,000.00 3.100% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $976.83 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI 30 days 0.000 None 3.790% 3.400% 8.850%   0.000% 0.000% 8.850%   11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $48.84 HUD 06/23/2006 To Borrower $19,391.55 $20,461.55 No Taxes $0.00 No                   7.117%   $407,461.66 $239,521.47 XX/XX/XXXX   N/A N/A   H-8 06/13/2006 N/A 06/17/2006 06/07/2006 06/07/2006       Yes No Pass Fail ($20,697.46) $3,397.00 $19,248.24 Pass 8.000% Pass No N/A $3,397.00 $14,436.18 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/23/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Missing Initial Loan Application Test          
203396516 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 78.000% 78.000% 1 In Arrears 04/11/2007     539 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1922 $320,000.00 1004/70 04/16/2007 Negative Amortization $249,600.00 7.750% Monthly XX/XX/XXXX 06/15/2007 05/15/2037 360 360 No $861.43 Yes 06/15/2007 05/15/2018 06/15/2008 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.790% 3.000% 4.200% 4.750% 0.000% 0.000% 4.200% 4.750% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $25.84 HUD 04/30/2007 To Borrower $20,659.82 $165,829.72 No No Escrows $0.00 No                   7.961%   $517,007.13 $242,590.67 XX/XX/XXXX   N/A N/A   H-8 04/24/2007 N/A 04/28/2007 04/23/2007 04/23/2007       Yes No Pass Fail ($1,789.80) $6,047.00 $19,420.64 Pass 8.000% Pass No N/A $6,047.00 $12,480.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/30/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval index is 4.75% and the lowest lookback index is 4.77%. ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Federal FACTA Disclosure Timing Test ***Missing Initial Loan Application Test ***(Doc Error) TIL Error: Final TIL not signed by all required parties          
203396533 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 08/14/2002 39.000%   595 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1999 $170,000.00 2055 w/ Interior 08/23/2002 Misc. ARM $136,000.00 5.250% Monthly XX/XX/XXXX 11/01/2002 10/01/2032 360 360 No $751.00 Yes 04/01/2003 10/01/2018 05/01/2003 05/01/2018 6 6 CODI 45 days 0.001 Nearest 1.961% 3.400% 1.000% 1.000% 1.000% 1.000% 7.000% 4.889% 6.250% 4.250% 12.250% 0.361% N/A       No   Percent 5.000% 15   $37.55 HUD 09/23/2002 To Borrower $9,464.92 $9,464.92 No No Escrows $0.00 No                   5.458%   $139,334.78 $134,303.52 XX/XX/XXXX   N/A N/A   H-8 09/18/2002 N/A 09/23/2002           Yes No Pass Pass ($14.90) $1,555.00 $10,743.08 Pass 10.000% Pass No N/A $1,555.00 $10,743.08 Pass 10.000% Pass No N/A N/A No N/A Yes Final HUD1 09/18/2002     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)          
203396543 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 05/11/2006 31.494%   651 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1950 $250,000.00 1004/70 05/11/2006 Negative Amortization $200,000.00 7.060% Biweekly XX/XX/XXXX 06/26/2006 06/12/2036 360 360 No $374.65 Yes 07/10/2006 05/10/2018 07/10/2007 07/10/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $11.24 HUD 05/23/2006 To Borrower $29,976.41 $30,495.38 N/A Taxes and Insurance $504.94 No                   7.288%   $275,727.38 $194,437.20 XX/XX/XXXX   N/A N/A   H-8 05/18/2006 N/A 05/23/2006           Yes No Pass Fail ($41,305.73) $5,462.00 $15,500.97 Pass 8.000% Pass No N/A $9,453.00 $10,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/18/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $275,727.38 is underdisclosed from calculated Finance Charge of $284,052.27 in the amount of $8,324.89. Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.79% ***(Missing Data) Unable to determine if loan is a same lender refi ***Federal FACTA Disclosure Timing Test          
203396568 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB 75.746% 75.746% 1 In Arrears 10/16/2007 36.295%   643 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1950 $268,000.00 1004/70 11/05/2007 Negative Amortization $203,000.00 7.930% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $770.80 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.790% 3.050% 4.020% 4.880% 0.000% 0.000% 4.020% 4.880% 11.950% 3.050% 11.950% 3.050% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $23.12 HUD   To Borrower $1,290.46 $1,290.46 N/A Taxes and Insurance $625.62 No                   8.152%   $437,687.64 $196,646.60 XX/XX/XXXX   N/A N/A   H-8 11/16/2007 N/A 11/21/2007           Yes No Pass Pass $1,963.73 $5,163.00 $15,742.28 Pass 8.000% Pass No N/A $9,162.00 $10,150.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/16/2007     2           ***(Missing Data) Unable to determine if loan is a same lender refi ***CHARM Booklet Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396582 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   Wachovia Mortgage, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 01/25/2008 36.366%   703 Fee Simple XXXXXX XXXXXX   XXXXXX                     3 Family 3 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $280,000.00 1025/72 01/31/2008 Negative Amortization $224,000.00 7.940% Monthly XX/XX/XXXX 04/15/2008 03/15/2038 360 360 No $944.40 Yes 04/15/2008 05/15/2018 05/15/2008 05/15/2018 1 12 W-COSI Most recent index available 0.000 None   3.200% 4.010% 4.740% 0.000% 0.000% 4.010% 4.740% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $28.33 HUD 02/29/2008 From Borrower $2,670.00   No No Escrows $0.00 No                   8.171%   $466,350.89 $217,217.13 XX/XX/XXXX   N/A N/A   H-8 02/25/2008 N/A 02/29/2008           Yes No Pass Pass $288.42 $6,232.00 $17,400.96 Pass 8.000% Pass No N/A $10,642.00 $11,200.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/25/2008     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) ***CHARM Booklet Disclosure Status ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203396588 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 88.036% 88.036% 1 In Arrears 12/09/2006 44.787%   675 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1985 $280,000.00 1004/70 12/07/2006 Negative Amortization $246,500.00 7.500% Biweekly XX/XX/XXXX 01/29/2007 01/15/2037 360 360 No $455.56 Yes 02/12/2007 05/12/2018 01/28/2008 01/28/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.690% 2.900% 4.450% 4.600% 0.000% 0.000% 4.450% 4.600% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $13.67 HUD 12/26/2006 To Borrower $6,508.53 $6,508.53 No Taxes and Insurance $253.08 No                   7.691%   $374,327.99 $240,509.70 XX/XX/XXXX   N/A N/A   H-8 12/20/2006 N/A 12/26/2006 12/06/2006 12/06/2006       Yes No Pass Fail ($57,497.27) $5,673.89 $19,184.82 Pass 8.000% Pass No N/A $11,766.39 $12,325.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/20/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $374327.99 is underdisclosed from calculated Finance Charge of $381915.92 in the amount of $-7587.93. Approval indicates the lender used a lower index value than permitted in the lookback period. Truth In Lending Act: Final TIL APR of 7.691% is underdisclosed from calculated APR of 7.825% in the amount of -0.134%. Approval indicates the lender used a lower index value than permitted in the lookback period. ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status          
203396603 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 07/25/2006     644 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $330,000.00 Stated   Negative Amortization $264,000.00 7.390% Biweekly XX/XX/XXXX 10/02/2006 09/18/2036 360 360 No $455.56 Yes 10/16/2006 05/16/2018 10/01/2007 10/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.340% 3.450% 4.560% 3.940% 0.000% 0.000% 4.560% 3.940% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 3.000% 15   $13.67 HUD   To Borrower $20,584.25 $24,272.25 N/A No Escrows $0.00 No                   7.438%   $402,291.04 $261,599.10 XX/XX/XXXX   N/A N/A   H-9 08/25/2006 N/A 08/30/2006           Yes No Pass Fail ($87,234.84) $1,644.89 $20,906.93 Pass 8.000% Pass No N/A $8,214.39 $13,200.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/25/2006     2 ***Missing Valuation:: Appraisal not provided. ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $402291.04 is underdisclosed from calculated Finance Charge of $438242.466 in the amount of $-35951.43. Approval indicates the index used was 3.94%. The lowest index available within the look-back period is 4.34%. Truth In Lending Act: Final TIL APR of 7.438% is underdisclosed from calculated APR of 7.834% in the amount of -0.396%. Approval indicates the index used was 3.94%. The lowest index available within the look-back period is 4.34%. ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA loan is the lesser of 3 months interest or 1 year's interest-note states 2%. Lender is World Savings Bank. ***Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Disbursement Date Missing          
203396611 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 76.814% 76.814% 1 In Arrears 06/13/2006 43.039%   595 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1982 $317,000.00 1004/70 06/04/2006 Negative Amortization $243,500.00 7.060% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $912.25 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI 60 days 0.000 None 3.660% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $45.61 HUD 06/26/2006 To Borrower $49,624.40 $51,505.40 No No Escrows $0.00 No                   7.271%   $436,864.34 $236,458.10 XX/XX/XXXX   N/A N/A   H-8 06/20/2006 N/A 06/24/2006           Yes No Pass Pass $856.55 $6,050.00 $18,977.16 Pass 8.000% Pass No N/A $6,050.00 $16,605.01 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/20/2006     2           ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396623 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 81.000% 81.000% 1 In Arrears 09/27/2006 32.580%   536 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $371,500.00 Stated   Negative Amortization $300,915.00 7.447% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,038.52 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.550% 4.503% 4.897% 0.000% 0.000% 4.503% 4.897% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.93 HUD 11/02/2006 To Borrower $88.64 $88.64 No No Escrows $0.00 No                   7.539%   $599,575.38 $296,756.74 XX/XX/XXXX   N/A N/A   H-8 10/27/2006 N/A 11/01/2006           Yes No Pass Pass $223.62 $3,515.42 $23,728.42 Pass 8.000% Pass No N/A $3,515.42 $17,796.32 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/03/2006     2 ***Missing Valuation:: Appraisal not provided. ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396625 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 73.864% 73.864% 1 In Arrears 06/17/2007 40.655%   601 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX RI XXXXXXX XXXXXXX   1987 $330,000.00 1004/70 06/01/2007 Negative Amortization $243,750.00 7.760% Biweekly XX/XX/XXXX 08/20/2007 08/06/2037 361 361 No $420.62 Yes 09/03/2007 05/03/2018 08/18/2008 08/18/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.850% 4.190% 4.910% 0.000% 0.000% 4.190% 4.910% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $21.03 HUD 07/23/2007 To Borrower $8,801.15 $46,815.15 No Taxes and Insurance $746.80 No                   7.954%   $398,531.32 $237,834.64 XX/XX/XXXX   N/A N/A   H-8 07/17/2007 N/A 07/21/2007           Yes No Pass Fail ($59,717.52) $5,009.00 $19,041.08 Pass 8.000% Pass No N/A $6,965.85 $12,187.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/17/2007     3           ***Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) ***Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) ***Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) ***CHARM Booklet Disclosure Status          
203396635 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 12/06/2005 39.529%   720 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1968 $255,000.00 2055 w/ Interior 12/01/2005 Negative Amortization $204,000.00 6.370% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $774.59 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None   3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $38.73 HUD 01/12/2006 To Borrower $153,436.61 $153,436.61 No No Escrows $0.00 No                   6.593%   $302,821.88 $198,170.20 XX/XX/XXXX   N/A N/A   H-8 01/06/2006 N/A 01/11/2006           Yes No Pass Fail ($32,663.90) $5,850.50 $15,843.41 Pass 8.000% Pass No N/A $5,850.50 $15,843.41 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/06/2006     2 ***Missing Document: Missing Final 1003 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 2.97%. The closest index available in our look-back period is 3.36%. ***TIL APR Tolerance Irregular Transaction: Loan Approval indicates the index used was 2.97%. The closest index available in our look-back period is 3.36%. ***Missing Initial Loan Application Test          
203396636 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Reduced   World Savings Bank, FSB 64.402% 64.402% 1 In Arrears 07/11/2006 43.719%   650 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $368,000.00 Stated   Negative Amortization $237,000.00 7.190% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $817.94 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 GDW-COSI 60 days 0.000 None 3.790% 3.400% 4.760% 3.790% 0.000% 0.000% 4.760% 3.790% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $40.90 HUD 08/03/2006 To Borrower $7,326.39 $16,312.48 Yes No Escrows $0.00 No                   7.229%   $453,889.04 $235,215.53 XX/XX/XXXX   N/A N/A   H-9 07/30/2006 N/A 08/03/2006 07/27/2006 07/27/2006       Yes No Pass Pass $206.53 $1,360.50 $18,806.33 Pass 8.000% Pass No N/A $1,360.50 $14,104.75 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/04/2006     2 ***Missing Valuation:: Appraisal not provided         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396638 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Second Home Conventional without MI Stated   World Savings Bank, FSB 71.094% 71.094% 1 In Arrears 09/05/2005 45.000%   593 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX NV XXXXXXX XXXXXXX   2001 $320,000.00 2055 w/ Interior 09/27/2005 Negative Amortization $227,500.00 6.308% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $835.21 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 3.000% 3.650% 5.642% 2.658% 0.000% 0.000% 5.642% 2.658% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.76 HUD 10/12/2005 To Borrower $94,524.86 $94,524.86 N/A No Escrows $0.00 No                   6.447%   $336,106.87 $223,555.04 XX/XX/XXXX   N/A N/A       N/A 10/11/2005           No N/A Pass Fail ($32,155.16) $3,856.57 $17,878.89 N/A 8.000% N/A N/A N/A $3,856.57 $17,878.89 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/05/2005     2           ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.658%. The closest Index available in our look-back period is 3%. ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 2.658%. The closest Index available in our look-back period is 3%.          
203396644 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.078% 77.078% 1 In Arrears 08/23/2006     758 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   2002 $397,000.00 1004/70 08/29/2006 Negative Amortization $306,000.00 7.660% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $1,056.07 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 GDW-COSI 30 days 0.000 None 4.490% 3.550% 4.290% 4.110% 0.000% 0.000% 4.290% 4.110% 11.950% 3.550% 11.950% 3.550% No   36 2% Yes 125.000% Percent 5.000% 15   $52.80 HUD 09/12/2006 To Borrower $8,931.33 $57,856.34 No Taxes and Insurance $755.21 No                   7.711%   $620,506.99 $303,871.12 XX/XX/XXXX   N/A N/A   H-8   N/A 10/11/2006           Yes No Pass Fail ($31,191.37) $2,047.00 $24,146.69 Pass 8.000% Pass No N/A $0.00 $21,420.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/07/2006     2           ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%. ***Final TIL Not Provided to Borrower At or Before Consummation ***Notice of Right To Cancel Not Provided to All Required Parties ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Right of Rescission Timing - Receipt Date Missing ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.11%. The lowest Index available within the look-back period is 4.49%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396655 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.985% 74.985% 1 In Arrears 04/09/2003 16.850%   630 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $171,500.00 2055 (Exterior Only) 04/29/2003 Negative Amortization $128,600.00 5.286% Monthly XX/XX/XXXX 06/15/2003 05/15/2033 360 360 No $538.73 Yes 06/15/2003 05/15/2018 06/15/2004 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.533% 3.700% 6.664% 1.586% 0.000% 0.000% 6.664% 1.586% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $26.94 HUD 05/15/2003 To Borrower $15,945.29 $18,609.29 No Taxes $0.00 No                   5.468%   $136,928.10 $125,883.14 XX/XX/XXXX   N/A N/A   H-8 05/09/2003 N/A 05/14/2003           Yes No Pass Pass $2,143.83 $2,799.94 $10,064.00 Pass 8.000% Pass No N/A $5,371.94 $7,548.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/15/2003     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203396667 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 66.667% 66.667% 1 In Arrears 09/29/2005 30.375%   585 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $366,000.00 2055 w/ Interior 09/27/2005 Negative Amortization $244,000.00 6.420% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $926.48 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.450% 5.530% 2.970% 0.000% 0.000% 5.530% 2.970% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $46.32 HUD 10/27/2005 To Borrower $3,351.12 $3,351.12 No Taxes and Insurance $298.60 No                   6.554%   $364,936.89 $239,206.68 XX/XX/XXXX   N/A N/A   H-8 10/22/2005 N/A 10/27/2005           Yes No Pass Fail ($8,725.56) $4,363.25 $19,105.70 Pass 8.000% Pass No N/A $9,243.25 $14,329.27 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/27/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.97%. The closest Index available in our look-back period is 3.06%.          
203396670 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 76.000% 76.000% 1 In Arrears 12/06/2005     574 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1967 $345,500.00 1004/70 12/12/2005 Negative Amortization $262,580.00 6.510% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $997.02 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.450% 5.440% 3.060% 0.000% 0.000% 5.440% 3.060% 11.950% 3.450% 11.950% 3.450% No       Yes 125.000% Percent 5.000% 15   $49.85 HUD 01/06/2006 To Borrower $34,260.61 $34,260.61 No No Escrows $0.00 No                   6.661%   $402,601.54 $257,213.58 XX/XX/XXXX   N/A N/A   H-8 12/29/2005 N/A 01/03/2006           Yes No Pass Fail ($19,271.55) $4,865.80 $20,579.67 Pass 8.000% Pass No N/A $10,117.40 $15,434.75 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/06/2006     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.06%. The closest Index available in our lookback period is 3.24% ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure          
203396676 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 73.611% 73.611% 1 In Arrears 06/15/2005 34.437%   574 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2002 $360,000.00 1004/70 05/26/2005 Negative Amortization $265,000.00 5.982% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $972.88 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 CODI Most recent index available 0.001 Nearest 2.332% 3.650% 5.968% 2.332% 0.000% 0.000% 5.968% 2.332% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $48.64 HUD 07/06/2005 To Borrower $376.10 $376.10 No No Escrows $0.00 No                   5.998%   $354,215.66 $263,864.98 XX/XX/XXXX   N/A N/A   H-8 06/27/2005 N/A 07/01/2005           Yes No Pass Pass $73.72 $727.00 $21,107.09 Pass 8.000% Pass No N/A $6,027.00 $15,830.32 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/06/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure          
203396678 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 66.667% 66.667% 1 In Arrears 10/17/2005 41.452%   674 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1966 $360,000.00 2055 w/ Interior 11/03/2005 Negative Amortization $240,000.00 6.370% Monthly XX/XX/XXXX 01/01/2006 12/01/2035 360 360 No $857.39 Yes 01/01/2006 05/01/2018 01/01/2007 01/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $42.87 HUD 11/16/2005 To Borrower $12,182.30 $37,701.08 No Taxes and Insurance $630.00 No                   6.535%   $367,193.19 $234,801.08 XX/XX/XXXX   N/A N/A   H-8 11/17/2005 N/A 11/22/2005   11/16/2005       Yes No Pass Fail ($16,870.53) $4,890.00 $18,761.89 Pass 8.000% Pass No N/A $9,690.00 $14,071.42 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/10/2005     2           ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Loan was approved using index 2.970 per note the most recent index available is 3.140, resulting in the under disclosure ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396679 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.129% 71.129% 1 In Arrears 05/28/2006 33.751%   572 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1983 $310,000.00 1004/70 06/16/2006 Negative Amortization $220,500.00 7.190% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $815.02 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.400% 4.760% 3.790% 0.000% 0.000% 4.760% 3.790% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $24.45 HUD   To Borrower $7,368.24 $7,368.24 No No Escrows $0.00 No                   7.345%   $410,255.09 $215,856.72 XX/XX/XXXX   N/A N/A   H-8 06/28/2006 N/A 07/03/2006 06/22/2006 06/22/2006       Yes No Pass Fail ($15,601.47) $4,128.00 $17,268.05 Pass 8.000% Pass No N/A $8,468.00 $11,025.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/27/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.79%. The closest Index available in our look-back period is 3.94% ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Federal FACTA Disclosure Timing Test          
203396688 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB 71.111% 71.111% 1 In Arrears 04/02/2007 38.937%   631 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1983 $315,000.00 1073/465 04/27/2007 Negative Amortization $224,000.00 7.770% Monthly XX/XX/XXXX 06/15/2007 05/15/2037 360 360 No $720.48 Yes 06/15/2007 05/15/2018 06/15/2008 06/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.940% 2.850% 4.180% 4.920% 0.000% 0.000% 4.180% 4.920% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $36.02 HUD   To Borrower $52,471.31 $78,635.31 No Taxes $211.00 No                   8.015%   $462,797.92 $217,138.88 XX/XX/XXXX   N/A N/A   H-8 05/02/2007 N/A 05/07/2007           Yes No Pass Fail ($235.60) $6,442.00 $17,374.12 Pass 8.000% Pass No N/A $6,442.00 $13,030.59 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/02/2007     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.92%. The lowest Index available within the look-back period is 4.94%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396716 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 77.692% 77.692% 1 In Arrears 10/11/2004 37.000%   676 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $260,000.00 2055 (Exterior Only) 10/27/2004 Negative Amortization $202,000.00 5.420% Monthly XX/XX/XXXX 12/15/2004 11/15/2034 360 360 No $741.60 Yes 12/15/2004 05/15/2018 12/15/2005 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.000% 3.450% 6.530% 1.970% 0.000% 0.000% 6.530% 1.970% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 5.000% 15   $37.08 HUD 11/05/2004 To Borrower $5,442.41 $34,320.44 No Taxes $0.00 No                   5.549%   $232,850.48 $198,862.50 XX/XX/XXXX   N/A N/A   H-8 10/30/2004 N/A 11/04/2004 10/18/2004 10/18/2004       Yes No Pass Fail ($2,110.55) $3,504.90 $15,853.79 Pass 8.000% Pass No N/A $7,544.90 $11,890.34 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/30/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.97%. The closest Index available in our look-back period is 2.00%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date          
203396728 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 77.617% 77.617% 1 In Arrears 01/20/2004 39.800%   535 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1980 $235,000.00 2055 w/ Interior 01/28/2004 Negative Amortization $182,400.00 5.300% Monthly XX/XX/XXXX 04/15/2004 03/15/2034 360 360 No $669.64 Yes 04/15/2004 05/15/2018 04/15/2005 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 1.850% 3.450% 6.650% 1.845% 0.000% 0.000% 6.650% 1.850% 11.950% 3.455% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $33.48 HUD 02/26/2004 To Borrower $48,490.22 $48,490.22 No No Escrows $0.00 No                   5.434%   $203,962.82 $178,883.71 XX/XX/XXXX   N/A N/A   H-8 02/20/2004 N/A 02/25/2004           Yes No Pass Pass $47.40 $3,015.00 $14,310.53 Pass 8.000% Pass No N/A $6,663.00 $10,732.90 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/26/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure          
203396734 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank 73.356% 73.356% 1 In Arrears 07/29/2005     648 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1981 $372,500.00 2055 w/ Interior 07/22/2005 Negative Amortization $273,250.00 5.850% Biweekly XX/XX/XXXX 10/03/2005 09/19/2035 360 360 No $501.59 Yes 10/17/2005 05/17/2018 10/02/2006 10/02/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 3.150% 6.100% 2.700% 0.000% 0.000% 6.100% 2.700% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $25.08 HUD 09/02/2005 To Borrower $15,877.64 $15,877.64 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 09/02/2005 07/18/2005 07/18/2005       No N/A     $0.00 $4,327.50 $21,454.06 N/A 8.000% N/A N/A N/A $7,060.00 $16,090.55 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/02/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396745 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 82.317% 82.317% 1 In Arrears 10/10/2006 32.317%   482 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1990 $328,000.00 1004/70 10/13/2006 Negative Amortization $270,000.00 7.597% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $931.83 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI First business day of previous month 0.000 None 4.897% 2.700% 4.353% 4.897% 0.000% 0.000% 4.353% 4.897% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $27.95 HUD   To Borrower $290.79 $40,265.34 No Taxes and Insurance $950.75 No                   7.643%   $544,599.58 $266,853.20 XX/XX/XXXX   N/A N/A   H-8 11/10/2006 N/A 11/16/2006           Yes No Pass Fail ($167.30) $2,037.00 $21,302.16 Pass 8.000% Pass No N/A $10,067.00 $13,500.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/10/2006     2           ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***Massachusetts Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from MA Borrower Interest Requirement          
203396752 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB 73.341% 73.341% 1 In Arrears 02/05/2007 39.942%   622 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $365,000.00 Stated   Negative Amortization $267,695.00 1.500% Biweekly XX/XX/XXXX 04/02/2007 03/19/2037 360 360 No $461.94 Yes 04/16/2007 05/16/2018 03/31/2008 03/31/2019 1 12 GDW-COSI Most recent index available 0.000 None   2.400% 10.450%   0.000% 0.000% 10.450%   11.950% 2.400% 11.950% 2.400% No   12 2% Yes 125.000% Percent 3.000% 15   $13.86 HUD 03/06/2007 To Borrower $1,347.47 $1,347.47 Yes Taxes $76.56 No                   7.129%   $383,059.32 $265,499.70 XX/XX/XXXX   N/A N/A   H-9 03/01/2007 N/A 03/06/2007           Yes No Pass Pass $12,983.33 $1,412.80 $21,248.35 Pass 8.000% Pass No N/A $7,946.67 $13,384.75 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/01/2007     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $383059.32 is underdisclosed from calculated Finance Charge of $391532.39 in the amount of $8473.07. Closing instructions indicate an index of 4.69% was used however 4.77% is the lowest available in the lookback period. ***CHARM Booklet Disclosure Status          
203396769 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 65.000% 65.000% 1 In Arrears 09/08/2005 39.795%   612 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1973 $350,000.00 1025/72 09/13/2005 Negative Amortization $227,500.00 6.180% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $785.15 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI 30 days 0.000 None 2.970% 3.400% 5.770% 2.780% 0.000% 0.000% 5.770% 2.780% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $39.26 HUD 10/07/2005 To Borrower $54,832.13 $54,832.13 No Taxes and Insurance $607.52 No                   6.393%   $338,028.46 $221,230.84 XX/XX/XXXX   N/A N/A   H-8 10/03/2005 N/A 10/07/2005           Yes No Pass Fail ($17,706.54) $6,439.85 $17,660.15 Pass 8.000% Pass No N/A $10,989.85 $13,245.11 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/03/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203396782 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 09/04/2007 36.837%   757 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $435,000.00 2055 (Exterior Only) 08/28/2007 Negative Amortization $348,000.00 7.950% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $1,420.68 Yes 11/01/2010 05/01/2018 12/01/2010 12/01/2018 1 12 W-COSI Most recent index available 0.000 None 4.880% 3.100% 4.000% 4.850% 0.000% 0.000% 4.000% 4.850% 11.950% 3.100% 11.950% 3.100% No   36 2% Yes 125.000% Percent 5.000% 15   $71.03 HUD 10/10/2007 To Borrower $2,330.75 $94,356.87 No Taxes and Insurance $0.00 No                   8.170%   $741,259.02 $337,495.40 XX/XX/XXXX   N/A N/A   H-8 10/04/2007 N/A 10/10/2007 08/22/2007         Yes No Pass Fail ($3,730.88) $8,587.00 $27,019.63 Pass 8.000% Pass No N/A $8,587.00 $20,264.72 Pass 8.000% Pass No N/A N/A N/A N/A Yes Estimated HUD1 10/11/2007     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396800 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 05/30/2006 33.203%   679 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1940 $430,000.00 1004/70 04/05/2006 Negative Amortization $312,000.00 7.118% Monthly XX/XX/XXXX 09/01/2006 08/01/2036 360 360 No $1,076.78 Yes 09/01/2006 05/01/2018 09/01/2007 09/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 2.800% 4.832% 4.318% 0.000% 0.000% 4.832% 4.318% 11.950% 2.800% 11.950% 2.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $53.84 HUD 07/12/2006 To Borrower $203,821.23 $203,821.23 No No Escrows $0.00 No                   7.325%   $593,898.73 $302,416.16 XX/XX/XXXX   N/A N/A   H-8 06/30/2006 N/A 07/06/2006 04/20/2006 04/20/2006       Yes No Pass Pass $54,854.69 $8,029.85 $24,215.40 Pass 8.000% Pass No N/A $8,029.85 $18,161.55 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/30/2006     2           ***ARM Disclosure Timing          
203396821 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 70.000% 70.000% 1 In Arrears 10/21/2005 34.748%   552 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2000 $385,000.00 1004/70 09/12/2005 Negative Amortization $269,500.00 6.220% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,023.30 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.060% 3.250% 5.730% 2.970% 0.000% 0.000% 5.730% 2.970% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $51.17 HUD 11/22/2005 To Borrower $94,223.60 $120,925.92 Yes Taxes and Insurance $230.20 No                   6.397%   $383,334.07 $262,496.03 XX/XX/XXXX   N/A N/A   H-9 11/15/2005 N/A 11/19/2005           Yes No Pass Fail ($9,082.52) $5,642.00 $21,020.45 Pass 8.000% Pass No N/A $8,337.00 $15,765.34 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/15/2005     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203396824 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings And Loan Association, A Federal Savings And Loan Association, Its Successors and/or Assignees 70.588% 70.588% 1 In Arrears 11/04/2007 27.200%   683 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NY XXXXXXX XXXXXXX   1995 $340,000.00 1004/70 11/27/2007 Negative Amortization $240,000.00 8.200% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $967.12 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 W-COSI 30 days 0.000 None 4.850% 3.300% 3.750% 4.900% 0.000% 0.000% 3.750% 4.900% 11.950% 3.300% 11.950% 3.300% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $48.36 HUD 12/10/2007 From Borrower $265.20 $3,243.80 No No Escrows $0.00 No                   8.354%   $535,968.69 $235,448.40 XX/XX/XXXX   N/A N/A   H-8 12/04/2007 N/A 12/08/2007 11/16/2007 11/16/2007       Yes No Pass Fail ($436.91) $4,282.00 $18,835.87 Pass 8.000% Pass No N/A $11,482.00 $11,785.90 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/04/2007     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state (NY) ***Missing Initial Loan Application Test          
203396841 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.027% 77.027% 1 In Arrears 11/21/2007 36.181%   683 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   2003 $370,000.00 1004/70 11/17/2007 Negative Amortization $285,000.00 7.930% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $1,082.15 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.050% 4.020% 4.880% 0.000% 0.000% 4.020% 4.880% 11.950% 3.050% 11.950% 3.050% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.11 HUD   To Borrower $4,371.67 $146,922.21 No No Escrows $0.00 No                   8.115%   $612,247.13 $278,322.64 XX/XX/XXXX   N/A N/A   H-8 12/03/2007 N/A 12/07/2007 11/29/2007 11/29/2007       Yes No Pass Pass $2,328.02 $6,082.00 $22,273.81 Pass 8.000% Pass No N/A $6,082.00 $22,273.81 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/03/2007     2           ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203396844 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 05/30/2005 13.310%   670 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1981 $205,000.00 2055 w/ Interior 06/14/2005 Misc. ARM $164,000.00 4.500% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $830.97 Yes 01/15/2006 07/15/2018 02/15/2006 08/15/2018 6 6 GDW-COSI Most recent index available 0.000 None 2.700% 3.100% 1.000% 1.000% 1.000% 1.000% 7.750% 1.400% 5.500% 3.500% 12.250% 3.100% N/A       No   Percent 5.000% 15   $41.55 HUD 07/06/2005 To Borrower $80,873.56 $80,873.56 No Taxes and Insurance $1,829.09 No                   5.795%   $180,432.85 $161,121.02 XX/XX/XXXX   N/A N/A   H-8 06/30/2005 N/A 07/06/2005           Yes No Pass Fail ($3,187.27) $2,700.00 $12,889.44 Pass 8.000% Pass No N/A $2,701.00 $12,889.44 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 06/30/2005     3 ***Missing Document: Missing Final 1003         ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***(TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates lender index was 2.61%. Closest Index available in our look back period is 2.7%. Additionally, under disclosure appears to be payment stream related. ***ARM Disclosure Timing          
203396862 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 03/21/2006 39.666%   662 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1959 $350,000.00 1004/70 03/03/2006 Negative Amortization $280,000.00 6.810% Biweekly XX/XX/XXXX 05/29/2006 05/15/2036 360 360 No $560.48 Yes 06/12/2006 06/12/2018 05/28/2007 05/28/2018 12 1 GDW-COSI Most recent index available 0.000 None 3.660% 3.450% 5.140% 3.360% 0.000% 0.000% 5.140% 3.360% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $16.81 HUD   To Borrower $5,153.90 $11,921.90 N/A Taxes and Insurance $135.53 No                   7.052%   $350,548.50 $272,232.54 XX/XX/XXXX   N/A N/A   H-8 04/21/2006 N/A 04/26/2006           Yes No Pass Pass $38,243.99 $7,564.37 $21,711.04 Pass 8.000% Pass No N/A $13,094.37 $14,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/21/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $350548.5 is underdisclosed from calculated Finance Charge of $375503.02 in the amount of $-24954.52. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 7.052% is underdisclosed from calculated APR of 7.372% in the amount of -0.32%. Approval indicates the index used was 3.36%. The lowest index available within the look-back period is 3.66%. ***ARM Disclosure Prior to Closing Timing ***CHARM Booklet Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203396866 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Fastrack   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.452% 79.452% 1 In Arrears 01/20/2006 33.910%   689 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $365,000.00 1004/70 01/24/2006 Negative Amortization $290,000.00 6.760% Monthly XX/XX/XXXX 04/15/2006 03/15/2036 360 360 No $1,160.99 Yes 04/15/2006 05/15/2018 04/15/2007 04/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.460% 3.400% 5.190% 3.360% 0.000% 0.000% 5.190% 3.360% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $34.83 HUD 03/10/2006 To Borrower $1,743.96 $1,743.96 No No Escrows $0.00 No                   6.973%   $461,487.32 $282,610.45 XX/XX/XXXX   N/A N/A   H-8 03/06/2006 N/A 03/10/2006 01/20/2006 01/20/2006       Yes No Pass Fail ($10,274.68) $4,831.00 $22,718.99 Pass 8.000% Pass No N/A $10,561.00 $14,500.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/06/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.36%. The lowest Index available within the look-back period is 3.46%.          
203396867 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 60.000% 60.000% 1 In Arrears 10/18/2007     603 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX RI XXXXXXX XXXXXXX   1920 $360,000.00 1025/72 10/25/2007 Fixed Rate $216,000.00 7.900% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $940.05 No     12/01/2008 12/01/2018   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.00 HUD 10/31/2007 To Borrower $1,584.26 $1,584.26 No Taxes and Insurance $306.37 No                   8.161%   $435,689.06 $209,694.59 XX/XX/XXXX   N/A N/A   H-8 10/26/2007 N/A 10/31/2007 10/23/2007 10/23/2007       Yes No Pass Pass ($5.99) $6,533.65 $16,737.08 Pass 8.000% Pass No N/A $8,275.45 $10,800.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/26/2007     3           ***Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely): Rhode Island Home Loan Disclosure is dated 10/26/2007, missing lender' s initial application to verify timing requirements. ***Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) ***Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) ***Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) ***Federal FACTA Disclosure Timing Test ***Missing Initial Loan Application Test          
203396877 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 75.000% 75.000% 1 In Arrears 07/13/2004 34.000%   630 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1994 $325,000.00 2055 w/ Interior 07/26/2004 Negative Amortization $243,750.00 4.768% Monthly XX/XX/XXXX 09/15/2004 08/15/2034 360 360 No $894.87 Yes 09/15/2004 05/15/2018 09/15/2005 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.162% 3.650% 7.182% 1.118% 0.000% 0.000% 7.182% 1.118% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.74 HUD 08/06/2004 To Borrower $36,164.53 $36,164.53 No Taxes $672.50 No                   4.870%   $232,829.01 $240,507.96 XX/XX/XXXX   N/A N/A   H-8 08/02/2004 N/A 08/06/2004           Yes No Pass Fail ($2,745.09) $3,123.00 $19,227.23 Pass 8.000% Pass No N/A $7,998.00 $14,420.42 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/02/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval indicates the Index used was 1.118%. The closest Index available within the look back period is 1.16167%. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203396902 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 08/22/2005 25.199%   684 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1971 $460,000.00 1004/70 09/01/2005 Negative Amortization $322,000.00 6.280% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $1,314.54 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.500% 5.970% 2.780% 0.000% 0.000% 5.970% 2.780% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $78.87 HUD 09/21/2005 To Borrower $142,490.09 $142,490.09 No Taxes and Insurance $1,123.80 No                           XX/XX/XXXX   N/A N/A       N/A 09/21/2005 09/15/2005 09/15/2005       No N/A     $0.00 $1,868.00 $25,499.76 N/A 8.000% N/A N/A N/A $6,698.00 $19,124.82 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 09/21/2005     3 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Missing Initial Loan Application Test          
203396910 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 75.000% 75.000% 1 In Arrears 06/24/2005 24.000%   639 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $498,000.00 2055 w/ Interior 07/05/2005 Negative Amortization $373,500.00 6.060% Monthly XX/XX/XXXX 09/01/2005 08/01/2035 360 360 No $1,389.89 Yes 09/01/2005 05/01/2018 09/01/2006 09/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.780% 3.450% 5.890% 2.610% 0.000% 0.000% 5.890% 2.610% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $69.49 HUD   To Borrower $58,126.25 $118,217.25 No No Escrows $0.00 No                   6.085%   $506,498.65 $371,722.90 XX/XX/XXXX   N/A N/A   H-8 07/18/2005 N/A 07/22/2005           Yes No Pass Fail ($24,280.19) $1,276.10 $29,728.30 Pass 8.000% Pass No N/A $10,613.60 $22,296.22 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/22/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The Loan Approval indicates the Index used was 2.61%. The closest Index available in our look-back period is 2.78%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396915 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 62.069% 62.069% 1 In Arrears 03/02/2005     649 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX     $290,000.00 Stated   Negative Amortization $180,000.00 5.640% Monthly XX/XX/XXXX 05/15/2005 04/15/2035 360 360 No $621.22 Yes 05/15/2005 05/15/2018 05/15/2006 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.390% 3.450% 6.310% 2.190% 0.000% 0.000% 6.310% 2.190% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $31.06 HUD 04/04/2005 To Borrower $92,536.42 $92,536.42 No Taxes $55.44 No                   5.858%   $230,101.35 $174,895.90 XX/XX/XXXX   N/A N/A   H-8 03/31/2005 N/A 04/05/2005           Yes No Pass Fail ($13,287.85) $4,726.00 $13,997.44 Pass 8.000% Pass No N/A $4,726.00 $13,997.44 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/31/2005     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Approval letter indicates the Index used was 2.19%. The closest Index available in our look-back period is 2.39% ***Federal FACTA Disclosure Timing Test          
203396924 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Alt   World Savings Bank, FSB 73.276% 73.276% 1 In Arrears 07/26/2005 26.167%     Fee Simple XXXXXX XXXXXX                         Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX $425,000.00 1957 $406,000.00 2055 w/ Interior 08/02/2005 Negative Amortization $297,500.00 6.150% Biweekly XX/XX/XXXX 09/26/2005 09/12/2035 361 361 No $513.37 Yes 10/10/2005 05/10/2018 09/25/2006 09/25/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 3.450% 5.800% 2.700% 0.000% 0.000% 5.800% 2.700% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $25.67 HUD   From Borrower $137,923.28   N/A No Escrows $0.00 No                   6.282%   $346,947.56 $292,333.58 XX/XX/XXXX   N/A N/A       N/A 08/31/2005           No N/A Pass Fail ($52,180.61) $4,810.00 $23,346.84 N/A 8.000% N/A N/A N/A $0.00 $20,825.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/26/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $346,947.56 is underdisclosed from calculated Finance Charge of $367513.19 in the amount of $20565.63. Loan approval reflects an index of 2.7% was used however 2.89% is the lowest available index in the lookback period. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203396939 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 79.943% 79.943% 1 In Arrears 01/07/2006 46.468%   641 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $476,900.00 2006 $490,000.00 2055 w/ Interior 11/30/2005 Negative Amortization $381,250.00 6.640% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,486.66 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.400% 5.310% 3.240% 0.000% 0.000% 5.310% 3.240% 11.950% 3.400% 11.950% 3.400% No       Yes 125.000% Percent 5.000% 15   $74.33 HUD   From Borrower $116,985.67   N/A No Escrows $0.00 No                   6.776%   $594,440.42 $374,580.58 XX/XX/XXXX   N/A N/A       N/A 02/10/2007 01/18/2006 01/18/2006       Yes N/A Pass Fail ($18,659.34) $5,808.31 $30,006.04 N/A 8.000% N/A N/A N/A $5,808.31 $22,504.53 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/10/2006     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203396944 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD XXXXXX Wells Fargo Bank, N.A.     1 In Arrears 10/02/2012     756 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX       No Value Provided   Fixed Rate $313,728.00 4.250% Monthly XX/XX/XXXX 04/01/2013 03/01/2036 276 276 No $1,783.22 No                                             N/A       No   Percent 5.000% 15   $89.16 HUD 02/11/2013 From Borrower $0.56   No Taxes and Insurance $526.75 No                   4.250%   $179,096.15 $313,070.46 XX/XX/XXXX Yes N/A N/A Yes H-8 02/05/2013 N/A 02/09/2013 10/12/2012 02/05/2013       Yes No Pass Pass $0.01 $0.00 $25,045.63 Pass 8.000% Pass No N/A $0.00 $18,784.22 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/05/2013     2           ***SAFE Act - NMLS Info Not in File ***RESPA Servicing Disclosure: Servicing Disclosure Statement Missing ***RESPA (2010) - Initial Payment on GFE Inaccurate ***RESPA (2010) - Loan Amount on Final GFE Inaccurate ***RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days ***Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.          
203396949 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 83.158% 83.158% 1 In Arrears 12/21/2005 37.789%   635 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1987 $380,000.00 1004/70 01/04/2006 Negative Amortization $316,000.00 6.540% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,232.22 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.400% 5.410% 3.140% 0.000% 0.000% 5.410% 3.140% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $61.61 HUD 01/31/2006 To Borrower $28,820.27 $53,919.71 No No Escrows $0.00 No                   6.679%   $480,140.69 $309,979.70 XX/XX/XXXX   N/A N/A   H-8 01/26/2006 N/A 01/31/2006 01/12/2006 01/12/2006       Yes No Pass Fail ($28,665.50) $5,326.00 $24,785.97 Pass 8.000% Pass No N/A $11,576.00 $13,997.29 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/26/2006     2           ***CHARM Booklet Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 3.14%. The closest index available in our look-back period is 3.36%. ***ARM Disclosure Timing ***Federal FACTA Disclosure Timing Test ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (NJ) - max prepayment charge for NJ ARM loan is 0% - note states 2%,2%2%. Lender is World Savings Bank, FSB          
203396971 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 72.727% 72.727% 1 In Arrears 08/24/2007 43.484%   643 Leasehold XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1986 $385,000.00 1004/70 09/11/2007 Negative Amortization $280,000.00 7.750% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $1,027.95 Yes 11/15/2007 05/15/2018 11/15/2008 11/15/2018 1 12 W-COSI First business day of previous month 0.000 None 4.850% 2.850% 4.200% 4.900% 0.000% 0.000% 4.200% 4.900% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.40 HUD 10/01/2007 From Borrower $1,736.54   No Taxes $0.00 No                   7.798%   $581,880.37 $277,529.70 XX/XX/XXXX   N/A N/A   H-8 09/25/2007 N/A 09/29/2007 08/28/2007 08/28/2007       Yes No Pass Pass $2,329.65 $1,141.85 $22,242.06 Pass 8.000% Pass No N/A $1,141.85 $16,681.55 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/25/2007     2           ***CHARM Booklet Disclosure Timing          
203396994 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 72.000% 72.000% 1 In Arrears 01/06/2006     632 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1955 $415,000.00 1004/70 01/13/2006 Negative Amortization $298,800.00 6.390% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,165.15 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.360% 3.250% 5.560% 3.140% 0.000% 0.000% 5.560% 3.140% 11.950% 3.250% 11.950% 3.250% No       Yes 125.000% Percent 5.000% 15   $58.26 HUD 02/10/2006 To Borrower $92,518.29 $93,041.29 No Taxes $505.51 No                   6.487%   $434,097.55 $295,114.95 XX/XX/XXXX   N/A N/A   H-8 02/06/2006 N/A 02/10/2006           Yes No Pass Fail ($26,003.05) $3,471.50 $23,605.35 Pass 8.000% Pass No N/A $7,953.50 $17,704.01 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/10/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397005 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   Wachovia Mortgage, FSB, a Federal Savings Bank 61.778% 61.778% 1 In Arrears 01/03/2008 51.989%   622 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1952 $450,000.00 1004/70 11/07/2007 Fixed Rate $278,000.00 7.200% Monthly XX/XX/XXXX 02/15/2008 01/15/2038 360 360 No $1,194.67 No     02/15/2009 02/15/2019   12                                 No       Yes 125.000% Percent 5.000% 15   $59.73 HUD 01/10/2008 To Borrower $984.15 $984.15 No No Escrows $0.00 No                   7.477%   $475,402.61 $269,113.96 XX/XX/XXXX   N/A N/A   H-8 01/04/2008 N/A 01/09/2008 01/03/2008 01/03/2008       Yes No Pass Pass $338.60 $8,265.06 $21,552.47 Pass 8.000% Pass No N/A $8,265.06 $16,164.35 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/10/2008     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203397006 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 56.818% 56.818% 1 In Arrears 02/22/2006 49.636%   668 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $440,000.00 Stated   Negative Amortization $250,000.00 6.810% Monthly XX/XX/XXXX 05/01/2006 04/01/2036 360 360 No $1,000.85 Yes 05/01/2006 05/01/2018 05/01/2007 05/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.450% 5.140% 3.360% 0.000% 0.000% 5.140% 3.360% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 5.000% 15   $50.04 HUD 03/27/2006 To Borrower $48,261.19 $48,261.19 Yes No Escrows $0.00 No                   6.860%   $398,530.02 $248,216.02 XX/XX/XXXX   N/A N/A   H-9 03/22/2006 N/A 03/27/2006 02/16/2006 02/16/2006       Yes No Pass Fail ($21,208.22) $1,660.50 $19,848.50 Pass 8.000% Pass No N/A $1,660.50 $14,886.37 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/21/2006     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.36%. The closest Index available in our look-back period is 3.56%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397010 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 68.649% 68.649% 1 In Arrears 03/03/2003 30.000%   507 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1953 $185,000.00 2055 w/ Interior 03/13/2003 Negative Amortization $127,000.00 5.820% Monthly XX/XX/XXXX 05/15/2003 04/15/2033 360 360 No $532.02 Yes 05/15/2003 05/15/2018 05/15/2004 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.250% 3.350% 6.130% 2.470% 0.000% 0.000% 6.130% 2.470% 11.950% 3.350% 11.950% 3.350% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $26.60 HUD 04/07/2003 To Borrower $936.79 $991.79 No Taxes and Insurance $0.04 No                   5.994%   $154,778.82 $124,467.00 XX/XX/XXXX   N/A N/A   H-8 03/31/2003 N/A 04/04/2003 03/24/2003 03/24/2003       Yes No Pass Pass $6,733.88 $4,008.00 $9,826.40 Pass 8.000% Pass No N/A $6,548.00 $7,369.80 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/08/2003     2 ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397015 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB 79.630% 79.630% 1 In Arrears 01/16/2007 40.781%   629 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $540,000.00 2055 (Exterior Only) 01/18/2007 Fixed Rate $430,000.00 6.940% Monthly XX/XX/XXXX 03/01/2007 02/01/2037 360 360 No $1,578.64 No     03/01/2008 03/01/2019   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $47.36 HUD 02/06/2007 To Borrower $1,421.16 $1,421.16 Yes Taxes and Insurance $315.55 No                   7.088%   $751,922.09 $422,215.74 XX/XX/XXXX   N/A N/A   H-9 02/01/2007 N/A 02/06/2007 01/16/2007 01/16/2007       Yes No Pass Pass $274.06 $7,855.50 $33,771.56 Pass 8.000% Pass No N/A $7,822.00 $21,500.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/26/2007     2           ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Federal FACTA Disclosure Timing Test          
203397054 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 66.337% 66.337% 1 In Arrears 07/25/2004 40.300%   597 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $445,000.00 2055 w/ Interior 08/13/2004 Negative Amortization $295,200.00 5.330% Biweekly XX/XX/XXXX 10/18/2004 09/18/2034 360 360 No $541.88 Yes 10/18/2004 05/18/2018 11/03/2005 11/03/2018 1 12 GDW-COSI Most recent index available 0.000 None 1.940% 3.450% 6.620% 1.880% 0.000% 0.000% 6.620% 1.880% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $27.09 HUD 08/30/2004 From Borrower $40,797.63   No Taxes $380.77 No                   5.377%   $268,681.74 $292,840.40 XX/XX/XXXX   N/A N/A   H-8 08/25/2004 N/A 08/30/2004           Yes No Pass Fail ($25,774.14) $7,542.85 $22,974.03 Pass 8.000% Pass No N/A $13,446.85 $17,230.52 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/31/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date          
203397070 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 04/21/2006 36.000%   746 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1954 $485,000.00 1004/70 04/17/2006 Negative Amortization $388,000.00 7.010% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $1,553.32 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.450% 4.940% 3.560% 0.000% 0.000% 4.940% 3.560% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $77.67 HUD 05/23/2006 To Borrower $77,720.61 $77,720.61 Yes Taxes and Insurance $300.01 No                   7.130%   $656,381.21 $380,933.06 XX/XX/XXXX   N/A N/A   H-9 05/18/2006 N/A 05/23/2006           Yes No Pass Fail ($39,872.35) $5,397.50 $30,471.08 Pass 8.000% Pass No N/A $0.00 $27,160.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/18/2006     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the Index used was 3.56%%. The closest Index available in our look-back period is 3.79%.          
203397081 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 67.714% 67.714% 1 In Arrears 07/29/2004 34.000%   684 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1990 $350,000.00 2055 w/ Interior 07/29/2004 Negative Amortization $237,000.00 4.918% Monthly XX/XX/XXXX 10/15/2004 09/15/2034 360 360 No $817.94 Yes 10/15/2004 05/15/2018 10/15/2005 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.162% 3.800% 7.032% 1.118% 0.000% 0.000% 7.032% 1.118% 11.950% 3.800% 11.950% 3.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.90 HUD 08/26/2004 To Borrower $29,651.94 $29,651.94 Yes Taxes and Insurance $760.41 No                   4.952%   $240,797.42 $235,249.11 XX/XX/XXXX   N/A N/A   H-9 08/21/2004 N/A 08/26/2004 08/12/2004 08/12/2004       Yes No Pass Fail ($2,967.02) $1,070.50 $18,823.27 Pass 8.000% Pass No N/A $1,070.50 $14,117.45 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/21/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan approval indicates the Index used was 1.118%. The lowest Index available within the look-back period is 1.16167%.          
203397083 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 03/15/2006 49.571%   743 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $415,000.00 1962 $430,000.00 1004/70 03/21/2006 Negative Amortization $332,000.00 6.710% Monthly XX/XX/XXXX 06/01/2006 05/01/2036 360 360 No $1,329.13 Yes 06/01/2006 05/01/2018 06/01/2007 06/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.250% 5.240% 3.460% 0.000% 0.000% 5.240% 3.460% 11.950% 3.250% 11.950% 3.250% No   12 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $66.46 HUD   From Borrower $89,692.98   N/A No Escrows $0.00 No                   6.776%   $517,202.17 $327,709.16 XX/XX/XXXX   N/A N/A       N/A 04/07/2006 03/16/2006 03/16/2006       Yes N/A Pass Fail ($14,364.48) $1,779.00 $26,176.97 N/A 8.000% N/A N/A N/A $3,129.00 $19,632.72 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/04/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397088 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB 74.043% 74.043% 1 In Arrears 11/03/2007 43.071%   647 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1999 $470,000.00 1004/70 10/29/2007 Negative Amortization $348,000.00 8.030% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $1,321.36 Yes 01/15/2008 05/15/2018 01/15/2009 01/15/2019 1 12 W-COSI 30 days 0.000 None 4.850% 3.150% 3.920% 4.880% 0.000% 0.000% 3.920% 4.880% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $66.07 HUD 12/11/2007 To Borrower $526.38 $526.38 No Taxes $1,352.62 No                   8.103%   $747,912.27 $344,393.52 XX/XX/XXXX   N/A N/A   H-8 12/03/2007 N/A 12/07/2007 12/03/2007 12/03/2007       Yes No Pass Pass $3,930.73 $1,303.00 $27,705.13 Pass 8.000% Pass No N/A $1,303.00 $20,778.85 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/11/2007     2           ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397103 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 59.574% 59.574% 1 In Arrears 07/31/2006     681 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $470,000.00 Stated   Negative Amortization $280,000.00 7.390% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $966.34 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.450% 4.560% 3.940% 0.000% 0.000% 4.560% 3.940% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $48.32 HUD 08/14/2006 To Borrower $24,065.43 $24,065.43 Yes No Escrows $0.00 No                   7.454%   $555,027.49 $276,416.94 XX/XX/XXXX   N/A N/A   H-9 08/08/2006 N/A 08/12/2006 08/07/2006 08/07/2006       Yes No Pass Fail ($7,971.01) $1,367.80 $22,145.44 Pass 8.000% Pass No N/A $1,367.80 $16,609.08 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/14/2006     2 ***Missing Valuation:: Appraisal not provided. ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Right of Rescission Timing - Receipt Date Missing ***Missing Initial Loan Application Test ***(Doc Error) TIL Error: Borrower signature not dated.          
203397120 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 66.911% 66.911% 1 In Arrears 11/01/2006     528 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $395,000.00 Stated   Negative Amortization $264,300.00 7.097% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $976.91 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.000 None 4.997% 2.100% 4.853% 4.997% 0.000% 0.000% 4.853% 4.997% 11.950% 2.100% 11.950% 2.100% No       Yes 125.000% Percent 5.000% 15   $48.85 HUD 12/11/2006 To Borrower $229.28 $1,560.28 Yes Taxes $800.85 No                   7.243%   $479,901.10 $259,060.71 XX/XX/XXXX   N/A N/A   H-9 12/01/2006 N/A 12/06/2006 11/08/2006 11/08/2006       Yes No Pass Pass $534.04 $4,915.85 $20,734.28 Pass 8.000% Pass No N/A $4,915.85 $15,550.71 Pass 8.000% Pass No N/A N/A N/A N/A Yes HUD1, not signed or stamped 12/11/2006     3 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status          
203397121 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 03/15/2006 31.603%   615 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1993 $525,000.00 1004/70 03/20/2006 Negative Amortization $420,000.00 6.260% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,681.43 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 2.800% 5.690% 3.460% 0.000% 0.000% 5.690% 3.460% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $84.07 HUD 04/14/2006 To Borrower $45,970.53 $45,970.53 No No Escrows $0.00 No                   6.297%   $577,877.38 $418,119.97 XX/XX/XXXX   N/A N/A   H-8 04/10/2006 N/A 04/14/2006           Yes No Pass Fail ($15,115.61) $2,133.00 $33,423.59 Pass 8.000% Pass No N/A $2,133.00 $33,423.59 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/10/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Missing Initial Loan Application Test          
203397160 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings And Loan Association, A Federal Savings Bank, Its Successors and/or Assignees 63.380% 63.380% 1 In Arrears 09/17/2005 34.170%   731 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CO XXXXXXX XXXXXXX   1950 $355,000.00 1004/70 10/04/2005 Negative Amortization $225,000.00 6.290% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $803.80 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI 30 days 0.000 None 2.970% 3.400% 5.660% 2.890% 0.000% 0.000% 5.660% 2.890% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.19 HUD 10/21/2005 To Borrower $39,325.72 $68,273.72 No No Escrows $0.00 No                   6.415%   $336,513.77 $220,467.44 XX/XX/XXXX   N/A N/A   H-8 10/13/2005 N/A 10/21/2005 10/07/2005 10/07/2005       Yes No Pass Fail ($6,618.90) $3,490.00 $17,686.68 Pass 8.000% Pass No N/A $3,490.00 $13,265.01 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/17/2005     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date          
203397161 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 06/06/2006 41.946%   644 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1960 $550,000.00 1004/70 06/03/2006 Negative Amortization $440,000.00 6.910% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $1,648.42 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI 30 days 0.000 None 3.790% 3.250% 5.040% 3.660% 0.000% 0.000% 5.040% 3.660% 11.950% 3.250% 11.950% 3.250% No   36 2% Yes 125.000% Percent 5.000% 15   $82.42 HUD 06/19/2006 To Borrower $6,671.33 $16,892.33 No Taxes and Insurance $1,675.99 No                   7.026%   $755,102.70 $431,697.20 XX/XX/XXXX   N/A N/A   H-8 06/14/2006 N/A 06/19/2006           Yes No Pass Fail ($25,494.75) $6,007.00 $34,546.17 Pass 8.000% Pass No N/A $6,007.00 $30,227.90 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/14/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397185 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Full   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 03/03/2006 39.441%   668 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX $605,000.00 1989 $605,000.00 1004/70 03/14/2006 Negative Amortization $423,500.00 6.760% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,554.78 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.400% 5.190% 3.360% 0.000% 0.000% 5.190% 3.360% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $77.74 HUD   From Borrower $184,655.00   N/A No Escrows $0.00 No                   6.784%   $700,995.67 $421,405.27 XX/XX/XXXX   N/A N/A       N/A 04/07/2006 02/16/2006 02/16/2006       No N/A Pass Fail ($37,659.68) $1,338.00 $33,697.66 N/A 8.000% N/A N/A N/A $0.00 $29,645.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/03/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Disbursement Date Missing ***Federal FACTA Disclosure Timing Test          
203397190 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 04/13/2005 48.000%   751 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $535,000.00 2055 (Exterior Only) 04/16/2005 Negative Amortization $428,000.00 5.196% Biweekly XX/XX/XXXX 06/06/2005 05/23/2035 360 360 No $738.56 No 06/20/2005 05/20/2018 06/05/2006 06/05/2018 1 12 CODI Most recent index available 0.001 Up 1.996% 3.200% 6.754% 1.996% 0.000% 0.000% 6.754% 1.996% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $36.93 HUD 05/02/2005 To Borrower $118,557.34 $118,557.34 Yes Taxes $0.00 No                   5.225%   $386,579.23 $425,703.00 XX/XX/XXXX   N/A N/A   H-9 04/27/2005 N/A 05/02/2005           Yes No Pass Fail ($24,422.77) $1,465.50 $34,020.11 Pass 8.000% Pass No N/A $1,465.50 $25,515.08 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/02/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $386579.23 is underdisclosed from calculated Finance Charge of $386863.56 in the amount of $-284.33. Unable to determine under disclosure due to missing itemization of amount financed. ***Federal FACTA Disclosure Timing Test          
203397201 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 02/18/2004 38.300%   560 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1911 $390,000.00 2055 w/ Interior 02/03/2004 Negative Amortization $273,000.00 4.782% Monthly XX/XX/XXXX 05/15/2004 04/15/2034 360 360 No $1,002.25 Yes 05/15/2004 05/15/2018 05/15/2005 05/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.113% 3.650% 7.168% 1.132% 0.000% 0.000% 7.168% 1.132% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $50.11 HUD 03/25/2004 To Borrower $25,109.24 $25,109.24 No No Escrows $0.00 No                   4.901%   $263,031.23 $268,155.52 XX/XX/XXXX   N/A N/A   H-8 03/18/2004 N/A 03/23/2004           Yes No Pass Pass $4,022.81 $1,859.00 $21,631.18 Pass 8.000% Pass No N/A $7,319.00 $16,223.38 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/18/2004     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397221 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB 68.660% 68.660% 1 In Arrears 08/28/2007 40.333%   539 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $500,000.00 Stated   Negative Amortization $343,300.00 7.724% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $1,268.91 Yes 11/15/2007 05/15/2018 11/15/2008 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 5.333% 2.400% 4.226% 5.324% 0.000% 0.000% 4.226% 5.324% 11.950% 2.400% 11.950% 2.400% No   12 2% Yes 125.000% Percent 5.000% 15   $63.45 HUD 10/03/2007 To Borrower $1,815.08 $1,815.08 Yes Taxes and Insurance $1,513.90 No                   7.875%   $719,072.86 $336,216.20 XX/XX/XXXX   N/A N/A   H-9 09/28/2007 N/A 10/03/2007 09/25/2007 09/25/2007       Yes No Pass Pass $569.46 $6,565.00 $26,869.05 Pass 8.000% Pass No N/A $6,565.00 $20,151.79 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/03/2007     2 ***Missing Valuation:: Appraisal not provided.         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203397227 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI SIVA   World Savings Bank, FSB 71.667% 71.667% 1 In Arrears 07/08/2006 39.764%   674 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1959 $480,000.00 1004/70 04/29/2006 Negative Amortization $344,000.00 7.240% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $1,187.22 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.110% 3.450% 4.710% 3.790% 0.000% 0.000% 4.710% 3.790% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.36 HUD 08/14/2006 To Borrower $334.21 $334.21 No Taxes and Insurance $5,589.98 No                   7.359%   $669,815.58 $338,814.77 XX/XX/XXXX   N/A N/A   H-8 08/08/2006 N/A 08/12/2006           Yes No Pass Fail ($23,008.63) $4,717.00 $27,137.18 Pass 8.000% Pass No N/A $4,717.00 $27,137.18 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/08/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***TIL APR Tolerance Irregular Transaction: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397268 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 79.789% 79.789% 1 In Arrears 01/23/2005 48.085%   741 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $670,515.00 2005 $671,000.00 2055 w/ Interior 01/20/2005 Negative Amortization $535,000.00 4.820% Monthly XX/XX/XXXX 04/01/2005 03/01/2035 360 360 No $1,964.12 Yes 04/01/2005 05/01/2018 04/01/2006 04/01/2019 1 12 GDW-COSI 30 days 0.000 None 2.190% 2.800% 7.130% 2.020% 0.000% 0.000% 7.130% 2.020% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $98.21 HUD 02/24/2005 From Borrower $145,299.35   N/A Taxes and Insurance $0.00 No                   4.924%   $518,732.54 $527,926.90 XX/XX/XXXX   N/A N/A       N/A 02/28/2005 02/04/2005 02/04/2005       No N/A Pass Fail ($25,976.36) $6,715.50 $42,238.50 N/A 8.000% N/A N/A N/A $6,715.50 $31,678.87 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/24/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397284 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, A Federal Savings Bank 80.000% 80.000% 1 In Arrears 01/26/2006 39.765%     Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1931 $358,500.00 1004/70 01/14/2006 Negative Amortization $286,800.00 6.640% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $1,118.35 Yes 03/15/2006 05/15/2018 03/15/2007 03/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.360% 3.400% 5.310% 3.240% 0.000% 0.000% 5.310% 3.240% 11.950% 3.400% 11.950% 3.400% No       Yes 125.000% Percent 5.000% 15   $55.92 HUD   To Borrower $104,584.94 $104,584.94 No No Escrows $0.00 No                   6.857%   $449,515.37 $279,442.66 XX/XX/XXXX   N/A N/A   H-8 02/07/2006 N/A 02/11/2006           Yes No Pass Fail ($14,180.99) $7,141.00 $22,343.50 Pass 8.000% Pass No N/A $12,877.30 $16,757.62 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/09/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Not Provided to Borrower At or Before Consummation ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397300 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.091% 77.091% 1 In Arrears 10/07/2007 44.040%   634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1977 $550,000.00 1004/70 10/01/2007 Negative Amortization $424,000.00 7.800% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,730.95 Yes 11/15/2010 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI 30 days 0.000 None 4.900% 3.250% 4.150% 4.550% 0.000% 0.000% 4.150% 4.550% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $86.55 HUD 11/15/2007 To Borrower $553.71 $3,128.58 No No Escrows $0.00 No                   8.190%   $920,089.61 $416,816.56 XX/XX/XXXX   N/A N/A   H-8 11/07/2007 N/A 11/12/2007 10/24/2007 10/24/2007       Yes No Pass Fail ($3,400.90) $7,131.28 $33,335.00 Pass 8.000% Pass No N/A $7,181.28 $25,001.25 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/15/2007     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.88%. The closest Index available in our lookback period is 4.9% ***CHARM Booklet Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397302 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 69.048% 69.048% 1 In Arrears 10/23/2006 47.664%   556 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   2005 $840,000.00 1004/70 11/01/2006 Negative Amortization $580,000.00 7.247% Biweekly XX/XX/XXXX 01/01/2007 12/18/2036 360 360 No $1,071.90 Yes 01/15/2007 05/15/2018 12/31/2007 12/31/2018 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.350% 4.703% 4.897% 0.000% 0.000% 4.703% 4.897% 11.950% 2.350% 11.950% 2.350% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $53.60 HUD 12/07/2006 To Borrower $0.00 $150,034.69 Yes No Escrows $0.00 No                   7.247%   $823,466.35 $577,690.60 XX/XX/XXXX   N/A N/A   H-9 11/29/2006 N/A 12/04/2006 11/03/2006 11/03/2006       Yes No Pass Fail ($123,880.57) $755.50 $46,237.94 Pass 8.000% Pass No N/A $755.50 $46,237.94 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/29/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $823,466.35 is underdisclosed from calculated Finance Charge of $823466.35 in the amount of $23881.91. Approval indicates the index used was 4.897%. The lowest index available within the look-back period was 4.99667%. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***CHARM Booklet Disclosure Timing ***ARM Disclosure Status          
203397306 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 04/03/2006     617 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1963 $555,000.00 1004/70 03/16/2006 Negative Amortization $444,000.00 6.260% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $1,777.51 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 2.800% 5.690% 3.460% 0.000% 0.000% 5.690% 3.460% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $88.88 HUD 04/21/2006 To Borrower $8,881.70 $8,881.70 No No Escrows $0.00 No                   6.303%   $613,016.87 $439,895.40 XX/XX/XXXX   N/A N/A   H-8 04/17/2006 N/A 04/21/2006           Yes No Pass Fail ($32,382.55) $2,305.00 $35,189.39 Pass 8.000% Pass No N/A $2,305.00 $26,392.04 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 04/17/2006     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.46%. The closest Index available in our look-back period is 3.66%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397310 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 69.709% 69.709% 1 In Arrears 08/02/2005 26.460%   664 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX XXXXXX XXXXXX XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $515,000.00 Stated   Negative Amortization $359,000.00 6.292% Monthly XX/XX/XXXX 10/15/2005 09/15/2035 360 360 No $1,317.98 Yes 10/15/2005 05/15/2018 10/15/2006 10/15/2018 1 12 CODI Most recent index available 0.000 None 2.658% 3.800% 5.658% 2.492% 0.000% 0.000% 5.658% 2.492% 11.950% 3.800% 11.950% 3.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $65.90 HUD   To Borrower $48,307.75 $48,307.75 Yes Taxes $1,471.43 No                   5.311%   $523,753.25 $357,090.87 XX/XX/XXXX   N/A N/A   H-9 08/29/2006 N/A 09/02/2006   08/18/2005       Yes No Pass Fail ($24,044.50) $912.50 $28,582.63 Pass 8.000% Pass No N/A $912.50 $21,436.97 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/02/2005     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Approvals indicate the Index used was 2.492%. The closest Index available in our look-back period is 3.65833%. ***TIL APR Tolerance Irregular Transaction: Approvals indicate the Index used was 2.492%. The closest Index available in our look-back period is 3.65833%. ***CHARM Booklet Disclosure Status          
203397313 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI SISA   World Savings Bank, FSB, a Federal Savings Bank 73.000% 73.000% 1 In Arrears 02/08/2007 41.039%   668 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1951 $500,000.00 1004/70 02/22/2007 Negative Amortization $365,000.00 7.280% Monthly XX/XX/XXXX 05/01/2007 04/01/2037 360 360 No $1,259.69 Yes 05/01/2007 05/01/2018 05/01/2008 05/01/2018 1 12 GDW-COSI 30 days 0.000 None 4.750% 2.550% 4.670% 4.730% 0.000% 0.000% 4.670% 4.730% 11.950% 2.550% 11.950% 2.550% No   12 2% Yes 125.000% Percent 5.000% 15   $62.98 HUD 03/13/2007 To Borrower $34,159.95 $34,159.95 Yes Taxes and Insurance $278.16 No                   7.429%   $720,562.40 $356,835.30 XX/XX/XXXX   N/A N/A   H-9 03/08/2007 N/A 03/13/2007           Yes No Pass Fail ($3,398.12) $6,959.50 $28,532.58 Pass 8.000% Pass No N/A $6,959.50 $21,399.43 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/14/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.73%. The closest Index available in our lookback period is 4.75% ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status          
203397328 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 90.000% 1 In Arrears 10/30/2006 30.923%   696 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           2 Family 2 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1968 $525,000.00 1025/72 10/26/2006 Negative Amortization $393,750.00 7.597% Monthly XX/XX/XXXX 01/15/2007 12/15/2036 360 360 No $1,681.38 Yes 01/15/2007 05/15/2018 01/15/2008 01/15/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.700% 4.353% 4.897% 0.000% 0.000% 4.353% 4.897% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $50.44 HUD   From Borrower $2,488.68 $52,378.36 N/A Taxes and Insurance $935.96 No                   7.631%   $738,226.69 $390,316.15 XX/XX/XXXX   N/A N/A   H-8 11/17/2006 N/A 11/22/2006           Yes No Pass Fail ($18,152.59) $2,508.00 $31,233.80 Pass 8.000% Pass No N/A $14,250.50 $19,687.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/22/2006     2           ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: Lender's approval indicates the Index used was 4.897%. The lowest Index available within the look-back period is 4.99667%. ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203397329 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 90.000% 1 In Arrears 10/24/2005 39.465%   721 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $585,000.00 1977 $585,000.00 2055 w/ Interior 10/28/2005 Negative Amortization $438,750.00 6.370% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,897.45 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $94.87 HUD 11/21/2005 From Borrower $75,558.37   N/A Taxes $1,828.14 No                   6.599%   $607,848.96 $427,241.72 XX/XX/XXXX   N/A N/A       N/A 11/26/2005 11/11/2005 11/11/2005       No N/A Pass Fail ($27,334.45) $11,444.11 $34,019.08 N/A 8.000% N/A N/A N/A $20,219.11 $25,514.31 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/21/2005     2           ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Lender Commitment indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%.          
203397348 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 95.815% 95.815% 1 In Arrears 07/18/2005     650 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1968 $454,000.00 2055 w/ Interior 08/04/2005 Negative Amortization $435,000.00 5.850% Monthly XX/XX/XXXX 09/15/2005 08/15/2035 360 360 No $1,501.28 Yes 09/15/2005 05/15/2018 09/15/2006 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.780% 3.150% 6.100% 2.700% 0.000% 0.000% 6.100% 2.700% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $75.06 HUD 08/15/2005 To Borrower $53,883.28 $53,883.28 No Taxes and Insurance $898.45 No                   5.957%   $583,904.69 $429,002.34 XX/XX/XXXX   N/A N/A   H-8 08/10/2005 N/A 08/15/2005 08/04/2005 08/04/2005       Yes No Pass Fail ($13,041.02) $5,806.00 $34,335.52 Pass 8.000% Pass No N/A $5,806.00 $25,751.64 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/15/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203397350 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI UTD   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 01/12/2007 32.141%   672 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1930 $550,000.00 1025/72 01/23/2007 Fixed Rate $412,500.00 8.300% Monthly XX/XX/XXXX 04/01/2007 03/01/2037 360 360 No $1,619.18 No     04/01/2008 04/01/2019   12                                 No   36 2% Yes 125.000% Percent 6.000% 10   $97.15 HUD 02/13/2007 To Borrower $137,934.78 $137,934.78 No Insurance $0.50 No                           XX/XX/XXXX   N/A N/A       N/A 02/16/2007 01/19/2007 01/19/2007       No N/A     $0.00 $940.00 $32,804.73 N/A 8.000% N/A N/A N/A $10,447.17 $20,625.00 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/12/2007     2           ***Missing Initial Loan Application Test          
203397352 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 69.930% 69.930% 1 In Arrears 01/07/2007 41.374%   503 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1971 $715,000.00 1004/70 01/24/2007 Negative Amortization $500,000.00 7.767% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $1,848.10 Yes 03/15/2007 05/15/2018 03/15/2008 03/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.217% 2.550% 4.183% 5.217% 0.000% 0.000% 4.183% 5.217% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $92.41 HUD 02/12/2007 To Borrower $6,014.15 $17,260.50 No No Escrows $0.00 No                   7.956%   $1,050,755.89 $488,438.80 XX/XX/XXXX   N/A N/A   H-8 02/07/2007 N/A 02/12/2007 02/02/2007 02/02/2007       Yes No Pass Pass $214.99 $11,412.30 $39,092.30 Pass 8.000% Pass No N/A $11,412.30 $29,319.22 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/13/2007     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure          
203397353 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 72.800% 72.800% 1 In Arrears 03/05/2005     687 Fee Simple XXXXXX XXXXXX   XXXXXX                     3 Family 3 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $500,000.00 1025/72 02/26/2005 Negative Amortization $364,000.00 5.690% Biweekly XX/XX/XXXX 05/09/2005 04/25/2035 360 360 No $743.00 Yes 05/23/2005 05/23/2018 05/08/2006 05/08/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.390% 3.500% 6.560% 2.190% 0.000% 0.000% 6.560% 2.190% 12.250% 3.500% 12.250% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $44.58 HUD 04/05/2005 From Borrower $955.10   No Taxes and Insurance $246.57 No                   5.806%   $346,662.67 $358,531.00 XX/XX/XXXX   N/A N/A       N/A 04/09/2005           Yes No Pass Fail ($37,330.76) $4,379.00 $28,683.19 Pass 8.000% Pass No N/A $13,284.00 $18,200.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/05/2005     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $346,662.67 is underdisclosed from calculated Finance Charge of $373278.53 in the amount of $26615.86. Approval indicates the Index used was 2.19%. The closest Index available in our look-back period is 2.52% ***Note Error: Note late charge percentage exceeds maximum per state: Late charge not allowed per state (MA) - max late charge for MA is 3% - note states 6% ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Notice of Right to Cancel Missing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Massachusetts Late Charge Percent Testing: Late charge not allowed per state (MA) - max late charge for MA is 3% - note states 6%          
203397361 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank 63.846% 63.846% 1 In Arrears 09/24/2005 43.000%   527 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1937 $650,000.00 1025/72 08/30/2005 Negative Amortization $415,000.00 5.690% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $1,523.57 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 2.800% 6.260% 2.890% 0.000% 0.000% 6.260% 2.890% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $76.18 HUD 10/31/2005 To Borrower $24,022.19 $35,758.49 Yes Taxes and Insurance $0.00 No                   5.880%   $520,198.56 $404,155.63 XX/XX/XXXX   N/A N/A   H-9 10/24/2005 N/A 10/28/2005           Yes No Pass Fail ($23,373.75) $8,956.88 $32,405.82 Pass 8.000% Pass No N/A $8,956.88 $24,304.36 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/24/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Lender used index value of 2.89% with a published date of 09/14/2005. The lowest index available within the look-back period is 3.06%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397362 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 69.333% 69.333% 1 In Arrears 11/14/2005     700 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD Attached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $600,000.00 Stated   Negative Amortization $416,000.00 6.370% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $1,579.56 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $78.98 HUD 12/28/2005 To Borrower $3,301.60 $3,301.60 Yes No Escrows $0.00 No                   6.392%   $608,917.65 $412,709.50 XX/XX/XXXX   N/A N/A   H-9 12/21/2005 N/A 12/26/2005 10/18/2005 10/18/2005       Yes No Pass Fail ($27,532.69) $1,201.50 $33,079.33 Pass 8.000% Pass No N/A $1,201.50 $24,809.50 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/12/2005     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203397380 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/03/2006 39.718%   557 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   2002 $655,000.00 1004/70 10/23/2006 Negative Amortization $524,000.00 6.997% Biweekly XX/XX/XXXX 12/11/2006 11/27/2036 360 360 No $968.41 Yes 12/25/2006 05/25/2018 12/10/2007 12/10/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.100% 4.953% 4.897% 0.000% 0.000% 4.953% 4.897% 11.950% 2.100% 11.950% 2.100% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $29.05 HUD 11/14/2006 To Borrower $3,398.12 $4,180.12 No No Escrows ($752.65) No                   7.024%   $706,813.02 $520,567.38 XX/XX/XXXX   N/A N/A   H-8 11/06/2006 N/A 11/10/2006           Yes No Pass Fail ($80,357.21) $1,405.75 $41,694.72 Pass 8.000% Pass No N/A $14,347.25 $26,200.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/13/2006     2           ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397397 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 11/26/2006 39.020%   633 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $640,000.00 1004/70 11/29/2006 Negative Amortization $512,000.00 7.397% Monthly XX/XX/XXXX 03/01/2007 02/01/2037 360 360 No $1,767.02 Yes 03/01/2007 05/01/2018 03/01/2008 03/01/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.400% 4.553% 4.997% 0.000% 0.000% 4.553% 4.997% 11.950% 2.400% 11.950% 2.400% No   12 2% Yes 125.000% Percent 5.000% 15   $88.35 HUD 01/02/2007 To Borrower $3,454.73 $27,356.73 No No Escrows $0.00 No                   7.498%   $1,017,748.41 $502,520.20 XX/XX/XXXX   N/A N/A   H-8 12/26/2006 N/A 12/30/2006           Yes No Pass Fail ($6,975.30) $6,442.00 $40,195.61 Pass 8.000% Pass No N/A $6,442.00 $30,146.71 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/26/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.997%. The closest Index available in our look-back period is 5.08083%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203397398 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   Wachovia Mortgage, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.600% 73.600% 1 In Arrears 01/01/2008 42.423%   646 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2007 $625,000.00 1004/70 11/29/2007 Fixed Rate $460,000.00 6.850% Monthly XX/XX/XXXX 04/01/2008 03/01/2038 360 360 No $1,976.79 No     04/01/2008 04/01/2019   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $98.84 HUD 02/14/2008 To Borrower $22,808.92 $175,220.45 Yes No Escrows $0.00 No                   6.872%   $709,951.85 $456,750.58 XX/XX/XXXX   N/A N/A   H-9 02/01/2008 N/A 02/06/2008 12/13/2007 12/13/2007       Yes No Pass Pass ($27.84) $2,042.50 $36,526.09 Pass 8.000% Pass No N/A $2,042.50 $27,394.57 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/14/2008     2           ***Missing Initial Loan Application Test          
203397402 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.200% 75.200% 1 In Arrears 03/09/2007 47.859%   701 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $750,000.00 Stated   Negative Amortization $564,000.00 7.817% Biweekly XX/XX/XXXX 04/30/2007 04/16/2037 361 361 No $973.24 Yes 05/14/2007 05/14/2018 04/28/2008 04/28/2019 1 12 CODI Most recent index available 0.001 Nearest 5.266% 2.600% 4.133% 5.217% 0.000% 0.000% 4.133% 5.217% 11.950% 2.600% 11.950% 2.600% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $48.66 HUD   To Borrower $14,547.79 $14,547.79 Yes No Escrows $0.00 No                   7.893%   $910,778.92 $556,975.10 XX/XX/XXXX   N/A N/A   H-9 03/15/2007 N/A 03/20/2007           Yes No Pass Fail ($135,569.42) $4,936.93 $44,473.11 Pass 8.000% Pass No N/A $4,936.93 $33,354.83 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/22/2007     2 ***Missing Valuation:: Appraisal not provided ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $910,778.92 is underdisclosed from calculated Finance Charge of $974743.21 in the amount of $63964.29. The loan approval indicates an index of 5.217% was used however 5.265% is the lowest available in the lookback period. ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Federal FACTA Disclosure Timing Test ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203397410 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 72.941% 72.941% 1 In Arrears 01/17/2006 34.501%   599 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $595,000.00 AVM   Negative Amortization $434,000.00 6.040% Monthly XX/XX/XXXX 04/01/2006 03/01/2036 360 360 No $1,692.35 Yes 04/01/2006 05/01/2018 04/01/2007 04/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 2.800% 5.910% 3.240% 0.000% 0.000% 5.910% 3.240% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $84.62 HUD 02/23/2006 To Borrower $134,094.58 $134,520.02 Yes No Escrows $0.00 No                   6.290%   $582,048.32 $420,892.43 XX/XX/XXXX   N/A N/A   H-9 02/17/2006 N/A 02/23/2006 01/18/2006 01/18/2006       Yes No Pass Fail ($34,186.87) $12,632.83 $33,674.90 Pass 8.000% Pass No N/A $12,632.83 $25,256.17 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/24/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.24%. The Index available in our look-back period is 3.46%. ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397411 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 09/01/2007 34.964%   658 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1991 $850,000.00 1004/70 07/20/2007 Negative Amortization $680,000.00 7.900% Monthly XX/XX/XXXX 11/15/2007 10/15/2037 360 360 No $2,346.82 Yes 11/15/2007 05/15/2018 11/15/2008 11/15/2018 1 12 W-COSI Most recent index available 0.000 None   3.000% 4.050% 4.900% 0.000% 0.000% 4.050% 4.900% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $117.34 HUD 10/11/2007 From Borrower $3,000.00   No No Escrows $0.00 No                   7.921%   $1,418,335.54 $675,466.58 XX/XX/XXXX   N/A N/A   H-8 10/01/2007 N/A 10/05/2007           Yes No Pass Pass $2,215.24 $1,727.00 $54,214.96 Pass 8.000% Pass No N/A $1,727.00 $40,661.22 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 10/11/2007     3 ***Missing Document: Missing Final 1003 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Missing Initial Loan Application Test          
203397419 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 10/08/2005 36.537%   687 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1923 $520,000.00 2055 w/ Interior 10/20/2005 Negative Amortization $416,000.00 6.290% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,579.56 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 3.400% 5.660% 2.890% 0.000% 0.000% 5.660% 2.890% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $78.98 HUD 11/15/2005 To Borrower $15,509.25 $29,225.18 No No Escrows $0.00 No                   6.420%   $601,024.99 $407,330.61 XX/XX/XXXX   N/A N/A   H-8 11/08/2005 N/A 11/14/2005           Yes No Pass Fail ($26,235.47) $6,816.29 $32,716.90 Pass 8.000% Pass No N/A $15,136.29 $24,537.67 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 11/15/2005     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Federal FACTA Disclosure Timing Test          
203397432 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/16/2007 45.744%   675 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX GA XXXXXXX XXXXXXX     $945,000.00 Stated   Fixed Rate $756,000.00 7.650% Monthly XX/XX/XXXX 01/01/2008 12/01/2037 360 360 No $3,146.70 No     01/01/2009 01/01/2019   12                                 No       Yes 125.000% Percent 5.000% 15   $157.34 HUD 11/21/2007 From Borrower $13,136.48   No No Escrows $0.00 No                   7.672%   $1,458,262.31 $762,513.50 XX/XX/XXXX   N/A N/A   H-8 11/16/2007 N/A 11/21/2007           Yes No Pass Pass $241.36 $2,323.50 $60,169.84 Pass 8.000% Pass No N/A $13,593.50 $37,606.15 N/A 8.000% N/A N/A N/A N/A N/A No Yes Final HUD1 11/17/2007     2 ***Missing Valuation:: Appraisal not provided.         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397435 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 11/28/2006 39.779%   625 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1984 $950,000.00 1004/70 12/04/2006 Negative Amortization $760,000.00 7.547% Biweekly XX/XX/XXXX 01/29/2007 01/15/2037 361 361 No $1,311.46 Yes 02/12/2007 05/12/2018 01/28/2008 01/28/2019 1 12 CODI Most recent index available 0.001 Nearest 5.081% 2.550% 4.403% 4.997% 0.000% 0.000% 4.403% 4.997% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $65.57 HUD 01/04/2007 To Borrower $400,237.06 $400,237.06 No Taxes and Insurance $842.49 No                   7.574%   $1,194,687.16 $755,076.31 XX/XX/XXXX   N/A N/A   H-8 12/28/2006 N/A 01/03/2007           Yes No Pass Fail ($217,728.24) $1,645.00 $60,517.13 Pass 8.000% Pass No N/A $1,645.00 $45,387.84 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/03/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $1,194,687.16 is underdisclosed from calculated Finance Charge of $1377077.31 in the amount of $182390.15. The approval indicates the Index used was 4.997%, the closest Index available in our look-back period is 5.08%. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397448 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 72.414% 72.414% 1 In Arrears 08/22/2005     632 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $725,000.00 1969 $725,000.00 2055 w/ Interior 09/02/2005 Negative Amortization $525,000.00 6.180% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $1,927.41 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 3.400% 5.770% 2.780% 0.000% 0.000% 5.770% 2.780% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $96.37 HUD 09/21/2005 From Borrower $205,721.02   N/A No Escrows $0.00 No                   6.215%   $744,275.33 $520,449.36 XX/XX/XXXX   N/A N/A       N/A 09/19/2005 09/12/2005 09/12/2005       No N/A Pass Fail ($22,661.43) $2,199.50 $41,646.26 N/A 8.000% N/A N/A N/A $12,699.50 $31,234.69 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 09/21/2005     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397451 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   Wachovia Mortgage, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 01/31/2008 43.146%   705 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1978 $715,000.00 1004/70 02/11/2008 Fixed Rate $600,000.00 8.050% Monthly XX/XX/XXXX 04/01/2008 03/01/2038 360 360 No $2,611.24 No     04/01/2009 04/01/2019   12                                 No   36 2% Yes 125.000% Percent 5.000% 15   $130.56 HUD 02/28/2008 From Borrower $13,285.62   No No Escrows $0.00 No                   8.072%   $1,240,490.71 $597,586.69 XX/XX/XXXX   N/A N/A   H-8 02/19/2008 N/A 02/23/2008           Yes No Pass Pass $494.78 $1,965.00 $47,846.80 Pass 8.000% Pass No N/A $1,965.00 $35,885.10 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/28/2008     1                      
203397467 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB 75.472% 75.472% 1 In Arrears 07/04/2005 41.000%   643 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX WA XXXXXXX XXXXXXX $795,000.00   $795,000.00 Desk-Top Review 07/06/2005 Negative Amortization $600,000.00 5.860% Monthly XX/XX/XXXX 09/01/2005 08/01/2035 360 360 No $2,202.75 Yes 09/01/2005 05/01/2018 09/01/2006 09/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.250% 6.090% 2.610% 0.000% 0.000% 6.090% 2.610% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $110.14 HUD 07/14/2005 From Borrower $195,056.10   N/A No Escrows $0.00 No                   5.940%   $780,274.61 $592,196.40 XX/XX/XXXX   N/A N/A       N/A 07/16/2005           No N/A Pass Fail ($19,306.36) $6,258.85 $47,361.12 N/A 8.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 07/14/2005     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203397498 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 76.786% 76.786% 1 In Arrears 04/05/2004 35.280%   619 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1963 $560,000.00 2055 w/ Interior 02/12/2004 Negative Amortization $430,000.00 4.298% Monthly XX/XX/XXXX 06/15/2004 05/15/2034 360 360 No $1,578.64 Yes 06/15/2004 05/15/2018 06/15/2005 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.085% 3.200% 7.652% 1.098% 0.000% 0.000% 7.652% 1.098% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $78.93 HUD 05/12/2004 To Borrower $17,320.86 $17,320.86 Yes No Escrows $0.00 No                   4.317%   $353,125.70 $428,404.57 XX/XX/XXXX   N/A N/A   H-9 05/05/2004 N/A 05/10/2004           Yes No Pass Pass $2,070.20 $1,104.80 $34,295.99 Pass 8.000% Pass No N/A $1,104.80 $25,721.99 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/12/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203397515 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 52.117% 52.117% 1 In Arrears 05/05/2003 20.000%   576 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1979 $137,000.00 2055 w/ Interior 05/28/2003 Fixed Rate $71,400.00 6.150% Monthly XX/XX/XXXX 08/01/2003 07/01/2033 360 360 No $434.99 No                                             N/A   36 2%, 2%, 2% No   Percent 5.000% 15   $21.75 HUD 06/10/2003 To Borrower $47.27 $47.27 No Taxes $596.07 No                   6.472%   $87,838.49 $68,756.37 XX/XX/XXXX   N/A N/A   H-8 06/05/2003 N/A 06/10/2003           Yes No Pass Pass $14.59 $2,751.00 $5,471.70 Pass 8.000% Pass No N/A $2,751.00 $3,419.81 Pass 6.000% Pass No No No N/A N/A Yes Final HUD1 06/05/2003     2           ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397528 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 73.333% 73.333% 1 In Arrears 01/01/2006 36.741%   591 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1980 $105,000.00 1004/70 12/17/2005 Misc. ARM $77,000.00 5.750% Monthly XX/XX/XXXX 03/15/2006 02/15/2036 360 360 No $449.36 Yes 08/15/2006 08/15/2018 09/15/2006 09/15/2018 6 6 CODI 45 days 0.001 Nearest 3.345% 3.300% 2.003% 0.000% 1.000% 1.000% 6.500% 2.450% 7.753% 5.750% 12.250% 3.300% N/A       No   Percent 5.000% 15   $22.47 HUD   To Borrower $16,683.48 $16,683.48 Yes No Escrows $0.00 No                   6.796%   $102,065.73 $75,348.08 XX/XX/XXXX   N/A N/A   H-9 02/01/2006 N/A 02/06/2006           Yes No Pass Pass $839.38 $804.76 $6,095.61 Pass 8.000% Pass No N/A $805.76 $6,095.61 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 01/18/2006     3           ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Rescission Period) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***(TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value reflected on the Acknowledgement of Fair Market Value as it does not match the appraised value) ***Missing Initial Loan Application Test ***Disbursement Date Missing          
203397531 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 79.216% 79.216% 1 In Arrears 08/09/2006     634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1996 $102,000.00 1004/70 08/08/2006 Misc. ARM $80,800.00 6.350% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $502.77 Yes 03/15/2007 09/15/2018 04/15/2007 10/15/2018 6 6 CODI 45 days 0.001 Nearest 4.483% 2.450% 1.000% 1.000% 1.000% 1.000% 5.900% 3.900% 7.350% 5.350% 12.250% 2.450% N/A       No   Percent 5.000% 15   $25.14 HUD 08/31/2006 To Borrower $14,732.66 $14,732.66 Yes No Escrows $0.00 No                   7.079%   $112,770.14 $79,136.54 XX/XX/XXXX   N/A N/A   H-9 08/26/2006 N/A 08/31/2006           Yes No Pass Pass $39.52 $1,408.00 $6,334.48 Pass 8.000% Pass No N/A $1,409.00 $6,334.48 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 08/26/2006     3           ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***(TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely): The notary date is after the AFMV signature date. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***ARM Disclosure Timing ***Right of Rescission Timing - Note Date used as Transaction Date        
203397534 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.143% 73.143% 1 In Arrears 07/15/2006 33.520%   673 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1926 $350,000.00 1004/70 08/09/2006 Negative Amortization $256,000.00 7.233% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $883.51 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.640% 2.750% 4.717% 4.483% 0.000% 0.000% 4.717% 4.483% 11.950% 2.750% 11.950% 2.750% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.18 HUD 08/21/2006 To Borrower $22,720.00 $22,720.00 No Taxes and Insurance $229.63 No                   7.342%   $498,476.97 $251,254.75 XX/XX/XXXX   N/A N/A   H-8 08/15/2006 N/A 08/19/2006           Yes No Pass Fail ($10,121.99) $3,377.00 $20,108.38 Pass 8.000% Pass No N/A $8,497.00 $12,567.73 Pass 6.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/15/2006     2           ***Final TIL Finance Charge Under Disclosed: The Loan Approval indicates the Index used was 4.483%. The closest Index available in our look-back period is 4.64%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203397537 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 09/11/2007     665 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $215,000.00 Stated   Fixed Rate $172,000.00 8.250% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $702.18 No           12                                 No   36 2% Yes 125.000% Percent 5.000% 15   $35.11 HUD 10/30/2007 To Borrower $21,140.26 $21,140.26 No No Escrows $0.00 No                   8.455%   $389,540.23 $167,559.20 XX/XX/XXXX   N/A N/A   H-8 10/20/2007 N/A 10/25/2007           Yes No Pass Pass $13,019.29 $4,229.80 $13,412.28 Pass 8.000% Pass No N/A $4,229.80 $10,059.21 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/17/2007     1 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:                    
203397557 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI SISA   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 50.000% 50.000% 1 In Arrears 07/18/2006 34.315%   544 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2001 $290,000.00 1004/70 07/28/2006 Negative Amortization $145,000.00 7.283% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $535.95 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.640% 2.800% 4.667% 4.483% 0.000% 0.000% 4.667% 4.483% 11.950% 2.800% 11.950% 2.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $26.80 HUD 08/16/2006 To Borrower $134,636.09 $136,953.09 No Taxes $1,000.36 No                   7.535%   $278,431.90 $139,726.17 XX/XX/XXXX   N/A N/A   H-8 08/10/2006 N/A 08/15/2006 07/06/2006 07/06/2006       Yes No Pass Fail ($10,870.70) $1,345.00 $11,160.65 Pass 8.000% Pass No N/A $4,595.00 $8,370.49 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/10/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval indicates the Index used was 4.483%. The closest Index available within the look back period is 4.64%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397559 XXXXXXX XXXXXXX Retail Purchase   Primary Conventional without MI Stated   Wachovia Mortgage, FSB, a Federal Savings Bank, Its Successors and/or Assignees 100.684% 100.684% 1 In Arrears 08/20/2008 27.538%   701 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX $124,000.00 2002 $117,000.00 1004/70 08/11/2008 Negative Amortization $117,800.00 6.520% Monthly XX/XX/XXXX 10/01/2008 09/01/2038 360 360 No $746.13 Yes 10/01/2008 05/01/2018 10/01/2009 10/01/2018 1 12 W-COSI First business day of previous month 0.000 None   2.750% 5.430% 3.770% 0.000% 0.000% 5.430% 3.770% 11.950% 2.750% 11.950% 2.750% No       Yes 110.000% Percent 5.000% 15   $37.31 HUD 08/29/2008 From Borrower $7,541.21   N/A Taxes and Insurance $2,083.75 No                   6.590%   $151,720.74 $116,881.88 XX/XX/XXXX   N/A N/A       N/A 09/04/2008 08/27/2008 08/27/2008       Yes N/A Pass Fail ($29,055.61) $640.00 $9,367.75 N/A 8.000% N/A N/A N/A $645.00 $9,367.75 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 08/29/2008     2           ***Final TIL Finance Charge Under Disclosed: The approval reflects an index of 3.770%, lower than available in the look back period of 4.774%. ***TIL APR Tolerance Irregular Transaction          
203397566 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 67.500% 67.500% 1 In Arrears 02/16/2005     585 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Townhouse 1 XXXXXXX XXXXXXX PA XXXXXXX XXXXXXX     $200,000.00 2055 (Exterior Only) 03/10/2004 Negative Amortization $135,000.00 5.480% Biweekly XX/XX/XXXX 05/02/2005 04/18/2035 360 360 No $247.81 Yes 05/10/2005 05/10/2018 05/01/2006 05/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.390% 3.400% 6.470% 2.080% 0.000% 0.000% 6.470% 2.080% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $12.39 HUD 03/29/2005 To Borrower $19,092.10 $19,539.95 No No Escrows $0.00 No                   5.547%   $127,793.53 $133,636.92 XX/XX/XXXX   N/A N/A   H-8 03/25/2005 N/A 03/30/2005           Yes No Pass Fail ($19,771.47) $851.00 $10,699.40 Pass 8.000% Pass No N/A $851.00 $10,699.40 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/25/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $127,793.53 is underdisclosed from calculated Finance Charge of $135835.57 in the amount of $8042.04. Approval instructions indicate the Index used was 2.08%. The lowest Index available within the look-back period is 2.39%. ***Final TIL Not Provided to Borrower At or Before Consummation ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Status ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397569 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 80.985% 80.985% 1 In Arrears 05/20/2005 34.924%   691 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $325,000.00 2055 w/ Interior 05/18/2005 Negative Amortization $263,200.00 6.010% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $908.36 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.400% 5.940% 2.610% 0.000% 0.000% 5.940% 2.610% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $45.42 HUD 06/28/2005 To Borrower $5,568.10 $5,568.10 No Taxes $186.76 No                   6.136%   $371,074.12 $258,089.78 XX/XX/XXXX   N/A N/A   H-8 06/20/2005 N/A 06/24/2005           Yes No Pass Fail ($9,029.04) $4,180.70 $20,662.60 Pass 8.000% Pass No N/A $4,180.70 $15,496.95 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 06/29/2005     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Per approval the lender used an index of 2.61%; the closest index in the look-back period is 2.7%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397599 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 04/17/2001 28.000%     Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX $170,000.00   $170,000.00 2055 w/ Interior 05/01/2001 Fixed Rate $127,500.00 7.550% Monthly XX/XX/XXXX 07/01/2001 06/01/2031 360 360 No $895.87 No                                             N/A       No   Percent 5.000% 15   $44.79 HUD   From Borrower $51,497.18   N/A No Escrows $0.00 No                   8.048%   $201,440.96 $121,069.71 XX/XX/XXXX   N/A N/A       N/A 05/22/2001           No N/A Pass Pass $4,155.39 $2,148.00 $10,017.97 N/A 10.000% N/A N/A N/A $0.00 $0.00 N/A   N/A N/A N/A N/A No N/A Yes Final HUD1 05/17/2001     2 ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test          
203397607 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Fastrack   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.475% 71.475% 1 In Arrears 10/06/2007 36.500%   668 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1987 $305,000.00 1004/70 03/07/2006 Fixed Rate $218,000.00 7.350% Monthly XX/XX/XXXX 01/01/2008 12/01/2037 360 360 No $889.97 No     01/01/2009 01/01/2019   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.50 HUD 11/13/2007 To Borrower $10,605.67 $30,716.04 Yes Taxes and Insurance $275.74 No                   7.400%   $395,643.46 $215,932.30 XX/XX/XXXX   N/A N/A   H-9 11/06/2007 N/A 11/10/2007           Yes No Pass Pass $400.00 $1,027.50 $17,294.58 Pass 8.000% Pass No N/A $1,027.50 $17,294.58 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/06/2007     2           ***Missing Initial Loan Application Test          
203397615 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Alt   World Savings Bank, FSB, a Federal Savings Bank 69.434% 69.434% 1 In Arrears 05/30/2007 25.812%   652 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1968 $265,000.00 1004/70 06/12/2007 Negative Amortization $184,000.00 7.690% Monthly XX/XX/XXXX 08/15/2007 07/15/2037 360 360 No $680.10 Yes 08/15/2007 05/15/2018 08/15/2008 08/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.750% 4.260% 4.940% 0.000% 0.000% 4.260% 4.940% 11.950% 2.750% 11.950% 2.750% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $20.40 HUD 06/22/2007 To Borrower $63.03 $63.03 N/A Insurance $0.00 No                   7.877%   $386,253.24 $178,976.29 XX/XX/XXXX   N/A N/A   H-8 06/18/2007 N/A 06/22/2007           Yes No Pass Pass $699.97 $4,819.41 $14,263.11 Pass 8.000% Pass No N/A $7,509.41 $9,200.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/18/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***(Missing Data) Unable to determine if loan is a same lender refi ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397620 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 61.688% 61.688% 1 In Arrears 06/29/2005 26.807%   729 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1970 $308,000.00 1004/70 07/15/2005 Negative Amortization $190,000.00 11.950% Monthly XX/XX/XXXX 09/15/2005 08/01/2035 360 360 No $697.54 Yes 09/15/2005 05/15/2018 09/15/2006 09/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.780% 3.400% 0.000% 8.550% 0.000% 0.000% 0.000% 8.550% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $34.88 HUD 08/03/2005 To Borrower $6,133.48 $6,133.48 No Taxes and Insurance $567.56 No                   6.192%   $259,634.64 $185,540.20 XX/XX/XXXX   N/A N/A   H-8 07/29/2005 N/A 08/03/2005 07/11/2005 07/11/2005       Yes No Pass Fail ($15,483.61) $4,097.00 $14,842.21 Pass 8.000% Pass No N/A $0.00 $13,300.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/29/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approvals indicate the Index used was 2.610%. The closest Index available in our look-back period is 2.78% ***ARM Disclosure Prior to Closing Timing ***CHARM Booklet Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203397633 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 67.797% 67.797% 1 In Arrears 10/02/2007 22.390%   576 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1888 $295,000.00 1025/72 10/05/2007 Negative Amortization $200,000.00 7.850% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $920.57 Yes 11/15/2010 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.850% 4.400% 5.000% 0.000% 0.000% 4.400% 5.000% 12.250% 2.850% 12.250% 2.850% No   12 2% Yes 125.000% Percent 6.000% 10   $55.23 HUD 10/19/2007 To Borrower $5,786.02 $5,786.02 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 10/24/2007 09/28/2007 09/28/2007       Yes N/A     $0.00 $4,860.00 $15,518.29 N/A 8.000% N/A N/A N/A $4,940.00 $9,698.93 N/A 6.000% N/A N/A No No N/A N/A Yes Final HUD1 10/19/2007     2           ***Illinois Late Charge Percent Testing: Late charge is 6% which exceeds the State of IL max of 5%          
203397634 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/05/2004 33.000%   688 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX PA XXXXXXX XXXXXXX $299,241.00 2004 $299,500.00 2055 w/ Interior 09/29/2004 Negative Amortization $239,392.00 5.340% Biweekly XX/XX/XXXX 12/06/2004 11/22/2034 360 360 No $439.44 Yes 12/20/2004 05/20/2018 12/05/2005 12/05/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.000% 3.400% 6.610% 1.940% 0.000% 0.000% 6.610% 1.940% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $21.97 HUD 11/05/2004 From Borrower $61,622.00   N/A No Escrows $0.00 No                   5.388%   $218,120.54 $237,553.96 XX/XX/XXXX   N/A N/A       N/A 11/10/2004           No N/A Pass Fail ($16,334.18) $1,351.00 $18,995.51 N/A 8.000% N/A N/A N/A $1,351.00 $18,995.51 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/05/2004     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $218120.54 is underdisclosed from calculated Finance Charge of $221155.73 in the amount of $-3035.19. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period. ***Missing Initial Loan Application Test          
203397638 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 78.093% 92.546% 1 In Arrears 07/02/2004     714 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   2000 $192,000.00 2055 w/ Interior 07/23/2004 Negative Amortization $149,939.00 4.818% Monthly XX/XX/XXXX 09/15/2004 08/15/2034 360 360 No $628.12 Yes 09/15/2004 05/15/2018 09/15/2005 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.162% 3.700% 7.132% 1.118% 0.000% 0.000% 7.132% 1.118% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $31.41 HUD 08/06/2004 From Borrower $373.71   No No Escrows $0.00 No                   4.886%   $139,360.83 $148,554.89 XX/XX/XXXX   N/A N/A   H-8 08/02/2004 N/A 08/06/2004           Yes No Pass Fail ($1,278.66) $1,080.00 $11,894.47 Pass 8.000% Pass No N/A $1,081.00 $11,894.47 Pass 8.000% Pass No N/A N/A No N/A Yes Final HUD1 08/02/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.11%. The closest Index available in our look-back period is 1.16%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203397647 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI No Doc   World Savings Bank, FSB , a Federal Savings Bank 73.913% 73.913% 1 In Arrears 07/10/2006     709 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1973 $345,000.00 1004/70 07/17/2006 Negative Amortization $255,000.00 7.240% Biweekly XX/XX/XXXX 09/16/2006 09/04/2036 360 360 No $440.03 Yes 10/02/2006 05/02/2018 09/17/2007 09/17/2018 1 12 GDW-COSI 30 days 0.000 None 4.110% 3.450% 4.710% 3.790% 0.000% 0.000% 4.710% 3.790% 11.950% 3.450% 11.950% 3.450% No   36 2% Yes 125.000% Percent 3.000% 15   $13.20 HUD 08/16/2006 To Borrower $21,866.06 $21,866.06 N/A Taxes $177.80 No                   7.282%   $376,912.28 $252,808.10 XX/XX/XXXX   N/A N/A   H-9 08/11/2006 N/A 08/16/2006 08/07/2006         Yes No Pass Fail ($79,570.97) $1,327.50 $20,216.70 Pass 8.000% Pass No N/A $7,672.00 $12,750.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/11/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $376912.28 is underdisclosed from calculated Finance Charge of $404071.5 in the amount of $-27159.22. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%. Truth In Lending Act: Final TIL APR of 7.282% is underdisclosed from calculated APR of 7.608% in the amount of -0.326%. Approval indicates the index used was 3.79%. The lowest index available within the look-back period is 4.11%. ***Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance ***(Missing Data) Unable to determine if loan is a same lender refi ***Missing Initial Loan Application Test ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is World Savings, Bank, FSB. ***CHARM Booklet Disclosure Status ***ARM Disclosure Status ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***FACTA Disclosure Missing          
203397653 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI No Doc   Wachovia Mortgage, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 02/26/2008     598 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX PA XXXXXXX XXXXXXX   1937 $265,000.00 1004/70 12/27/2007 Negative Amortization $212,000.00 7.550% Monthly XX/XX/XXXX 05/15/2008 04/15/2038 360 360 No $981.81 Yes 04/15/2011 05/15/2018 05/15/2009 05/15/2018 1 12 W-COSI Most recent index available 0.000 None   3.150% 4.400% 4.400% 0.000% 0.000% 4.400% 4.400% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $49.09 HUD 03/31/2008 From Borrower $3,108.36 $2,634.69 No No Escrows $0.00 No                   7.806%   $389,430.55 $209,725.25 XX/XX/XXXX   N/A N/A   H-8 03/26/2008 N/A 03/31/2008           Yes No Pass Fail ($5,926.68) $1,532.00 $16,784.82 Pass 8.000% Pass No N/A $1,532.00 $16,784.82 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/26/2008     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.65%. The closest Index available in our look-back period is 4.74%. ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test          
203397669 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI Reduced XXXXXX Wells Fargo Bank, N.A. 140.582% 140.582% 1 In Arrears 07/12/2012     653 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NV XXXXXXX XXXXXXX     $152,000.00 Stated   Fixed Rate $213,685.00 4.250% Monthly XX/XX/XXXX 03/01/2013 02/01/2036 276 276 No $1,214.58 No                                             N/A       No   Percent 5.000% 15   $60.73 HUD 01/28/2013 To Borrower $958.16 $958.16 Yes Taxes and Insurance $457.33 No                   4.250%   $121,636.54 $213,585.48 XX/XX/XXXX Yes N/A N/A Yes H-9 01/23/2013 N/A 01/28/2013 07/17/2012 07/17/2012       Yes No Pass Pass ($0.04) $0.00 $17,086.83 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/23/2013     2 ***Missing Valuation:: Appraisal not provided.         ***RESPA (2010) - Initial Payment on GFE Inaccurate ***RESPA (2010) - Loan Amount on Final GFE Inaccurate ***RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days ***FACTA Disclosure Missing          
203397673 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 08/06/2007     620 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX TX XXXXXXX XXXXXXX   1972 $345,000.00 1004/70 09/04/2007 Fixed Rate $276,000.00 7.600% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $1,948.77 No                                             N/A       No   Percent 5.000% 15   $97.44 HUD 10/15/2007 To Borrower $5,773.38 $5,773.38 Yes Taxes $6,135.39 No                   7.672%   $428,528.76 $273,023.32 XX/XX/XXXX   N/A N/A   H-9 10/10/2007 N/A 10/15/2007 09/26/2007 09/26/2007       Yes No Pass Pass $70.04 $1,929.64 $21,847.46 Pass 8.000% Pass No N/A $1,930.64 $21,847.46 N/A 8.000% N/A N/A N/A N/A No N/A Yes Final HUD1 10/10/2007     3           ***(TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) ***(TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) ***(TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained)          
203397676 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 03/31/2004     638 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX PA XXXXXXX XXXXXXX   1969 $309,000.00 2055 w/ Interior 04/06/2004 Negative Amortization $247,200.00 4.963% Biweekly XX/XX/XXXX 05/31/2004 05/17/2034 361 361 No $453.77 Yes 06/14/2004 05/14/2018 05/30/2005 05/30/2018 1 12 CODI Most recent index available 0.001 Nearest 1.098% 3.850% 6.987% 1.113% 0.000% 0.000% 6.987% 1.113% 11.950% 3.850% 11.950% 3.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $22.69 HUD 04/30/2004 To Borrower $22,527.81 $22,527.81 Yes Taxes and Insurance $140.16 No                   4.997%   $204,217.33 $245,705.60 XX/XX/XXXX   N/A N/A   H-9 04/26/2004 N/A 04/30/2004           Yes No Pass Fail ($9,577.68) $1,220.85 $19,632.50 Pass 8.000% Pass No N/A $1,220.85 $19,632.50 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/26/2004     1 ***Missing Document: Missing Final 1003                    
203397706 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB 76.856% 90.876% 1 In Arrears 10/20/2006 28.971%   651 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1987 $485,000.00 1004/70 10/20/2006 Negative Amortization $372,750.00 7.497% Biweekly XX/XX/XXXX 12/25/2006 12/11/2036 360 360 No $795.86 Yes 01/08/2007 05/08/2018 12/24/2007 12/24/2018 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.600% 4.453% 4.897% 0.000% 0.000% 4.453% 4.897% 11.950% 2.600% 11.950% 2.600% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $39.79 HUD 11/27/2006 To Borrower $34,053.57 $34,053.57 No Taxes and Insurance $1,026.90 No                   7.596%   $512,685.26 $367,640.62 XX/XX/XXXX   N/A N/A   H-8 11/17/2006 N/A 11/25/2006 10/18/2006 10/18/2006       Yes No Pass Fail ($73,438.35) $3,685.75 $29,439.15 Pass 8.000% Pass No N/A $12,934.50 $16,611.04 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/20/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $512685.26 is underdisclosed from calculated Finance Charge of $523525.95 in the amount of $-10840.69. Approval indicates the index used was 4.89%. The lowest index available within the look-back period is 4.99667%. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Missing Initial Loan Application Test          
203397712 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.397% 75.397% 1 In Arrears 10/19/2007 40.851%   666 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1967 $630,000.00 1004/70 10/24/2007 Negative Amortization $475,000.00 7.280% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,743.84 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.400% 4.670% 4.880% 0.000% 0.000% 4.670% 4.880% 11.950% 2.400% 11.950% 2.400% No       Yes 125.000% Percent 3.000% 15   $52.32 HUD 10/31/2007 To Borrower $24,050.03 $24,050.03 N/A No Escrows $0.00 No                   7.336%   $902,198.37 $470,310.15 XX/XX/XXXX   N/A N/A   H-8 10/26/2007 N/A 10/31/2007 10/16/2007 10/16/2007       Yes No Pass Fail ($4,759.63) $3,521.75 $37,604.57 Pass 8.000% Pass No N/A $3,451.75 $23,750.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/26/2007     2           ***(Missing Data) Unable to determine if loan is a same lender refi ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Loan commitment indicates the Index used was 4.88%. The closest Index available in our look-back period is 4.90%.          
203397762 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank 51.852% 51.852% 1 In Arrears 07/01/2006 44.304%   626 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1962 $540,000.00 1004/70 06/02/2006 Negative Amortization $280,000.00 7.060% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $1,048.99 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $52.45 HUD 07/07/2006 To Borrower $5,866.83 $5,866.83 No No Escrows $0.00 No                   7.084%   $495,568.21 $278,685.56 XX/XX/XXXX   N/A N/A   H-8 06/30/2006 N/A 07/06/2006 05/16/2006 05/16/2006       Yes No Pass Fail ($36,502.24) $995.00 $22,281.40 Pass 8.000% Pass No N/A $6,075.00 $12,578.62 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/30/2006     2           ***TIL APR Tolerance Irregular Transaction: The approval indicated the index used was 3.66%, the closest index in our look back is 3.94%. ***Final TIL Finance Charge Under Disclosed: The approval indicated the index used was 3.66%, the closest index in our look back is 3.94%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203397767 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 04/16/2004 38.000%   628 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD Attached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $300,000.00 1999 $300,000.00 2055 w/ Interior 04/30/2004 Negative Amortization $240,000.00 4.735% Monthly XX/XX/XXXX 08/15/2004 07/15/2034 360 360 No $881.10 Yes 08/15/2004 05/15/2018 08/15/2005 08/15/2018 1 12 CODI Most recent index available 0.000 None 1.083% 3.650% 7.215% 1.085% 0.000% 0.000% 7.215% 1.085% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.06 HUD 06/29/2004 From Borrower $63,844.51   N/A No Escrows $0.00 No                   4.776%   $225,567.04 $238,319.05 XX/XX/XXXX   N/A N/A       N/A 06/22/2004 06/04/2004         Yes N/A Pass Fail ($110.10) $1,455.00 $19,043.75 N/A 8.000% N/A N/A N/A $6,255.00 $14,282.81 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/30/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: The itemization of amount financed indicates that there are $1,680.95 in prepaid finance charges. The system has calculated $1,899.08 in prepaid finance charges causing an under disclosure of $218.13.          
203397768 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 68.468% 68.468% 1 In Arrears 04/07/2006 36.639%   680 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1950 $555,000.00 1004/70 04/11/2006 Negative Amortization $380,000.00 7.010% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $1,395.08 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.450% 4.940% 3.560% 0.000% 0.000% 4.940% 3.560% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $69.75 HUD 05/01/2006 To Borrower $48,447.32 $49,133.32 No No Escrows $0.00 No                   7.141%   $675,867.23 $373,875.02 XX/XX/XXXX   N/A N/A   H-8 04/20/2006 N/A 04/25/2006           Yes No Pass Fail ($18,494.42) $6,397.00 $29,783.14 Pass 8.000% Pass No N/A $6,397.00 $22,337.36 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/20/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.46%. The lowest Index available within the look-back period is 3.66%. ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397792 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 07/30/2006 18.291%   639 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1983 $340,000.00 1004/70 08/23/2006 Negative Amortization $272,000.00 7.510% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $938.73 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.340% 3.400% 4.440% 4.110% 0.000% 0.000% 4.440% 4.110% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 3.000% 15   $28.16 HUD 09/05/2006 To Borrower $13,844.91 $143,149.76 No No Escrows $0.00 No                   7.549%   $543,121.17 $270,120.40 XX/XX/XXXX   N/A N/A   H-8 09/02/2006 N/A 09/08/2006 08/25/2006 08/25/2006       Yes No Pass Fail ($13,481.65) $1,720.00 $21,577.63 Pass 8.000% Pass No N/A $7,090.00 $13,600.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/30/2006     2           ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 4.11%. The closest Index available in our look-back period is 4.34% ***CHARM Booklet Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203397793 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 70.330% 70.330% 1 In Arrears 10/05/2005 28.170%   672 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD Attached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $455,000.00 Stated   Negative Amortization $320,000.00 5.790% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $1,174.80 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 2.900% 6.160% 2.890% 0.000% 0.000% 6.160% 2.890% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $58.74 HUD 10/27/2005 To Borrower $849.98 $849.98 Yes Taxes $382.80 No                   5.813%   $405,932.22 $318,066.40 XX/XX/XXXX   N/A N/A   H-9 10/19/2005 N/A 10/26/2005           Yes No Pass Fail ($19,398.40) $1,146.40 $25,427.07 Pass 8.000% Pass No N/A $1,146.40 $19,070.30 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/19/2005     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 2.89%. The closest Index available in our look-back period is 3.06%. ***ARM Disclosure Timing ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203397797 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 87.500% 87.500% 1 In Arrears 04/24/2006 42.957%   697 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX UT XXXXXXX XXXXXXX   1938 $320,000.00 1004/70 04/12/2006 Negative Amortization $280,000.00 2.600% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $1,120.96 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.400% 9.350%   0.000% 0.000% 9.350%   11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $56.05 HUD 05/05/2006 From Borrower $0.00 $58,636.70 No Taxes and Insurance $1,305.98 No                   7.010%   $464,608.66 $277,827.20 XX/XX/XXXX   N/A N/A   H-8 05/01/2006 N/A 05/05/2006 04/28/2006 04/28/2006       Yes No Pass Fail ($8,206.14) $1,563.90 $22,232.17 Pass 8.000% Pass No N/A $1,563.90 $22,232.17 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/01/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203397798 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 82.233% 82.233% 1 In Arrears 10/23/2004 40.110%   685 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $430,000.00 2055 (Exterior Only) 11/13/2004 Negative Amortization $353,600.00 4.927% Monthly XX/XX/XXXX 01/15/2005 12/15/2034 360 360 No $1,298.16 Yes 01/15/2005 05/15/2018 01/15/2006 01/15/2019 1 12 CODI 60 days 0.001 Nearest 1.277% 3.650% 7.023% 1.277% 0.000% 0.000% 7.023% 1.277% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $64.91 HUD 11/29/2004 To Borrower $6,368.62 $9,118.46 Yes Taxes $96.75 No                   5.122%   $358,079.71 $344,542.55 XX/XX/XXXX   N/A N/A   H-9 11/23/2004 N/A 11/29/2004 11/19/2004 11/19/2004       Yes No Pass Fail ($437.05) $8,781.50 $27,524.70 Pass 8.000% Pass No N/A $8,781.50 $20,643.52 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/29/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. Under disclosure appears to be fee related. ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test          
203397808 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 60.000% 60.000% 1 In Arrears 04/12/2006 20.315%     Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1924 $370,000.00 1004/70 04/07/2006 Negative Amortization $222,000.00 6.860% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $804.01 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.400% 5.090% 3.460% 0.000% 0.000% 5.090% 3.460% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $40.20 HUD 04/24/2006 To Borrower $187,940.78 $187,940.78 No No Escrows $0.00 No                   7.098%   $386,448.32 $214,601.72 XX/XX/XXXX   N/A N/A   H-8 04/17/2006 N/A 04/21/2006           Yes No Pass Fail ($19,864.29) $6,575.00 $17,163.75 Pass 8.000% Pass No N/A $6,575.00 $12,872.81 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/17/2006     2           ***Final TIL Finance Charge Under Disclosed: Approvals indicate the Index used was 3.46%. The closest Index available in our look-back period is 3.66%. ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status          
203397851 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, Its Successors and/or Assignees 63.699% 63.699% 1 In Arrears 12/23/2005 34.625%   687 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1988 $550,000.00 1004/70 12/28/2005 Negative Amortization $350,347.00 6.540% Monthly XX/XX/XXXX 03/01/2006 02/01/2036 360 360 No $1,251.59 Yes 03/01/2006 05/01/2018 03/01/2007 03/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.400% 5.410% 3.140% 0.000% 0.000% 5.410% 3.140% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $62.58 HUD   To Borrower $90,859.66 $114,971.66 No No Escrows $0.00 No                   6.622%   $558,432.07 $345,354.55 XX/XX/XXXX   N/A N/A   H-8 01/03/2006 N/A 01/07/2006           Yes No Pass Fail ($14,903.95) $3,848.74 $27,604.36 Pass 8.000% Pass No N/A $10,862.98 $20,703.27 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/10/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203397875 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 70.000% 70.000% 1 In Arrears 08/23/2007 45.236%   634 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1957 $615,000.00 2055 w/ Interior 09/11/2007 Negative Amortization $430,500.00 8.200% Monthly XX/XX/XXXX 11/01/2007 10/01/2037 360 360 No $1,757.48 Yes 11/01/2007 05/01/2018 11/01/2008 11/01/2018 1 12 W-COSI First business day of previous month 0.000 None 4.880% 3.300% 4.050% 4.900% 0.000% 0.000% 4.050% 4.900% 12.250% 3.300% 12.250% 3.300% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $105.45 HUD 09/18/2007 To Borrower $47,308.91 $47,308.91 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 09/21/2007           No N/A     $0.00 $10,826.00 $33,553.33 N/A 8.000% N/A N/A N/A $10,826.00 $25,164.99 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/18/2007     2           ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397888 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Alt   World Savings Bank, FSB, a Federal Savings Bank 70.824% 70.824% 1 In Arrears 07/15/2004 37.980%   538 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1954 $425,000.00 2055 w/ Interior 07/28/2004 Negative Amortization $301,000.00 4.812% Monthly XX/XX/XXXX 10/01/2004 09/01/2034 360 360 No $1,105.05 Yes 10/01/2004 05/01/2018 10/01/2005 10/01/2018 1 12 CODI Most recent index available 0.001 Nearest 1.162% 3.650% 7.138% 1.162% 0.000% 0.000% 7.138% 1.162% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $55.25 HUD   From Borrower $277.58   No No Escrows $0.00 No                   4.937%   $292,374.46 $295,808.80 XX/XX/XXXX   N/A N/A   H-8 08/14/2004 N/A 08/19/2004           Yes No Pass Pass $718.33 $4,530.00 $23,676.33 Pass 8.000% Pass No N/A $10,550.00 $17,757.24 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/20/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397909 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB 77.714% 77.714% 1 In Arrears 04/11/2006 40.615%   545 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1983 $525,000.00 1004/70 04/13/2006 Negative Amortization $408,000.00 6.710% Monthly XX/XX/XXXX 06/15/2006 05/15/2036 360 360 No $1,633.39 Yes 06/15/2006 05/15/2018 06/15/2007 06/15/2018 1 12 GDW-COSI 30 days 0.000 None 3.560% 3.250% 5.240% 3.460% 0.000% 0.000% 5.240% 3.460% 11.950% 3.250% 11.950% 3.250% No   12 2% Yes 125.000% Percent 5.000% 15   $81.67 HUD 05/03/2006 To Borrower $2,017.17 $34,315.50 No Taxes $0.00 No                   6.830%   $636,918.83 $401,406.60 XX/XX/XXXX   N/A N/A   H-8 04/28/2006 N/A 05/03/2006           Yes No Pass Fail ($16,753.78) $5,778.40 $32,105.72 Pass 8.000% Pass No N/A $5,778.40 $24,079.29 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/04/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Final TIL Finance Charge Under Disclosed: Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.56%. ***Missing Initial Loan Application Test          
203397910 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 54.545% 54.545% 1 In Arrears 12/19/2006 39.688%   655 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2006 $550,000.00 1004/70 12/27/2006 Negative Amortization $300,000.00 7.397% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $1,035.37 Yes 03/15/2007 05/15/2018 03/15/2008 03/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.153% 2.400% 4.553% 4.997% 0.000% 0.000% 4.553% 4.997% 11.950% 2.400% 11.950% 2.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.77 HUD 01/31/2007 To Borrower $257,080.70 $287,363.44 No No Escrows $0.00 No                   7.573%   $598,732.78 $292,048.80 XX/XX/XXXX   N/A N/A   H-8 01/16/2007 N/A 01/24/2007 01/12/2007 01/12/2007       Yes No Pass Fail ($7,814.99) $6,795.00 $23,383.44 Pass 8.000% Pass No N/A $6,795.00 $17,537.58 Pass 8.000% Pass No N/A N/A N/A N/A Yes HUD1, not signed or stamped 01/31/2007     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 4.997%. The closest index available in our look-back period is 5.15333%. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203397934 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.188% 77.188% 1 In Arrears 02/06/2006 42.132%   608 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1976 $640,000.00 1004/70 02/08/2006 Negative Amortization $494,000.00 6.690% Biweekly XX/XX/XXXX 03/27/2006 03/13/2036 360 360 No $963.16 Yes 04/10/2006 06/10/2018 03/26/2007 03/26/2019 2 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.450% 5.260% 3.240% 0.000% 0.000% 5.260% 3.240% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $28.89 HUD 02/23/2006 To Borrower $33,194.48 $33,194.48 Yes Taxes and Insurance $274.00 No                   6.708%   $601,634.72 $491,459.28 XX/XX/XXXX   N/A N/A   H-9 02/17/2006 N/A 02/23/2006 02/13/2006 02/13/2006       Yes No Pass Fail ($99,755.89) $1,294.50 $36,630.14 Pass 8.000% Pass No N/A $23,365.96 $24,700.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/17/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $601634.72 is underdisclosed from calculated Finance Charge of $633438.32 in the amount of $-31803.6. Approval indicates the index used was 3.25%. The lowest index available within the look-back period is 3.46%. Truth In Lending Act: Final TIL APR of 6.708% is underdisclosed from calculated APR of 6.945% in the amount of -0.237%. Approval indicates the index used was 3.25%. The lowest index available within the look-back period is 3.46%. ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test          
203397950 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 02/19/2004     757 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $570,000.00 Stated   Negative Amortization $456,000.00 4.332% Biweekly XX/XX/XXXX 05/03/2004 04/19/2034 360 360 No $837.06 Yes 05/17/2004 05/17/2018 05/02/2005 05/02/2018 1 12 CODI Most recent index available 0.000 None 1.113% 3.200% 7.618% 1.132% 0.000% 0.000% 7.618% 1.132% 11.950% 3.200% 11.950% 3.200% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.85 HUD 03/31/2004 To Borrower $115,157.22 $115,157.22 Yes No Escrows $0.00 No                   4.360%   $317,897.35 $453,535.37 XX/XX/XXXX   N/A N/A   H-9 03/25/2004 N/A 03/30/2004           Yes No Pass Fail ($9,757.53) $1,541.30 $36,269.86 Pass 8.000% Pass No N/A $1,541.30 $27,202.39 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/24/2004     2 ***Missing Valuation:: Appraisal not provided         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203397963 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 76.220% 76.220% 1 In Arrears 09/17/2006     621 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX WA XXXXXXX XXXXXXX   2001 $635,000.00 1004/70 10/02/2006 Negative Amortization $484,000.00 7.074% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,670.39 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.300% 4.876% 4.774% 0.000% 0.000% 4.876% 4.774% 11.950% 2.300% 11.950% 2.300% No   36 2% Yes 125.000% Percent 5.000% 15   $83.52 HUD 10/23/2006 To Borrower $3,784.79 $3,784.79 No Taxes and Insurance $552.26 No                   7.093%   $899,880.32 $480,369.20 XX/XX/XXXX   N/A N/A   H-8 10/17/2006 N/A 10/21/2006           Yes No Pass Fail ($28,000.65) $1,117.00 $38,458.08 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/17/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Final Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.89337% ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203397966 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.429% 71.429% 1 In Arrears 02/15/2006 35.420%   770 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1928 $486,000.00 1004/70 01/18/2005 Negative Amortization $400,000.00 6.140% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,601.36 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 2.900% 5.810% 3.240% 0.000% 0.000% 5.810% 3.240% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $80.07 HUD 03/20/2006 To Borrower $90,303.87 $90,303.87 Yes Taxes $238.84 No                   6.168%   $534,864.73 $396,768.38 XX/XX/XXXX   N/A N/A   H-9 03/14/2006 N/A 03/18/2006           Yes No Pass Fail ($31,061.65) $1,497.50 $31,740.23 Pass 8.000% Pass No N/A $1,497.50 $23,805.17 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/20/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203397981 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI FastEasy   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 09/19/2007 28.442%   712 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1990 $490,000.00 1073/465 09/17/2007 Negative Amortization $367,500.00 7.250% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,349.19 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.400% 4.700% 4.850% 0.000% 0.000% 4.700% 4.850% 11.950% 2.400% 11.950% 2.400% No       Yes 125.000% Percent 5.000% 15   $67.46 HUD   To Borrower $22,232.33 $81,897.05 No No Escrows $0.00 No                   7.372%   $696,244.65 $360,339.00 XX/XX/XXXX   N/A N/A   H-8 10/18/2007 N/A 10/23/2007 09/12/2007 09/12/2007       Yes No Pass Fail ($8,190.32) $5,367.00 $28,871.36 Pass 8.000% Pass No N/A $5,370.85 $21,653.52 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/29/2007     2 ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.85%. The closest Index available in our lookback period is 4.9% ***Federal FACTA Disclosure Timing Test          
203397984 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 75.000% 75.000% 1 In Arrears 01/09/2007     575 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX AZ XXXXXXX XXXXXXX   1988 $900,000.00 1004/70 01/23/2007 Negative Amortization $675,000.00 7.703% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $2,494.94 Yes 03/15/2007 05/15/2018 03/15/2008 03/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.217% 2.550% 4.247% 5.153% 0.000% 0.000% 4.247% 5.153% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $124.75 HUD 02/14/2007 To Borrower $95,063.83 $95,063.83 No No Escrows $0.00 No                   7.760%   $1,403,770.16 $670,160.55 XX/XX/XXXX   N/A N/A   H-8 02/09/2007 N/A 02/14/2007 01/05/2007 01/05/2007       Yes No Pass Fail ($3,794.02) $857.51 $53,612.80 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/14/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 5.153%. The closest Index available in our look-back period is 5.21667%; ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203397992 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Full   World Savings Bank, FSB 72.174% 72.174% 1 In Arrears 04/20/2004 53.000%   547 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1980 $575,000.00 2055 w/ Interior 04/21/2004 Negative Amortization $415,000.00 4.748% Monthly XX/XX/XXXX 07/15/2004 06/15/2034 360 360 No $1,523.57 No 07/15/2004 05/15/2018 07/15/2005 07/15/2018 1 12 GDW-COSI Most recent index available 0.001 Nearest 1.850% 3.650% 7.202% 1.098% 0.000% 0.000% 7.202% 1.098% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $76.18 HUD 05/26/2004 From Borrower $4,027.10   Yes Taxes and Insurance $151.96 No                   4.875%   $395,324.22 $408,285.94 XX/XX/XXXX   N/A N/A   H-9 05/20/2004 N/A 05/25/2004           Yes No Pass Fail ($93,083.05) $5,272.80 $32,688.07 Pass 8.000% Pass No N/A $13,622.80 $24,516.05 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/14/2004     2 ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***TIL APR Tolerance Irregular Transaction: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Missing Initial Loan Application Test          
203397998 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 67.135% 67.135% 1 In Arrears 11/16/2007 38.149%   647 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1968 $700,000.00 1004/70 09/19/2007 Negative Amortization $469,945.00 6.950% Monthly XX/XX/XXXX 02/01/2008 01/01/2038 360 360 No $1,956.06 Yes 01/01/2009 05/01/2018 02/01/2009 02/01/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 2.600% 5.000% 4.350% 0.000% 0.000% 5.000% 4.350% 11.950% 2.600% 11.950% 2.600% No   12 2% Yes 125.000% Percent 5.000% 15   $97.80 HUD   To Borrower $1,667.17 $1,667.17 No No Escrows $0.00 No                   7.617%   $870,421.81 $459,820.25 XX/XX/XXXX   N/A N/A   H-8 12/16/2007 N/A 12/20/2007           Yes No Pass Pass $17,515.68 $1,730.00 $37,371.29 Pass 8.000% Pass No N/A $1,730.00 $28,028.47 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 12/21/2007     3 ***Missing Document: Missing Final 1003 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398008 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI No Doc   Wachovia Mortgage, FSB, a Federal Savings Bank, Its Successors and/or Assignees 78.025% 78.025% 1 In Arrears 01/25/2008     633 Fee Simple XXXXXX XXXXXX   XXXXXX                     3 Family 3 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1925 $628,000.00 1025/72 02/19/2008 Negative Amortization $490,000.00 7.100% Monthly XX/XX/XXXX 04/15/2008 03/15/2038 360 360 No $2,132.52 Yes 03/15/2011 05/15/2018 04/15/2009 04/15/2019 1 12 W-COSI Most recent index available 0.000 None   3.300% 4.850% 3.800% 0.000% 0.000% 4.850% 3.800% 11.950% 3.300% 11.950% 3.300% No       Yes 125.000% Percent 5.000% 15   $106.63 HUD 02/29/2008 To Borrower $7,231.00 $7,231.00 No Taxes and Insurance $791.46 No                   8.010%   $964,845.35 $477,448.20 XX/XX/XXXX   N/A N/A   H-8 02/25/2008 N/A 02/29/2008           Yes No Pass Pass $174.61 $11,417.00 $38,172.25 Pass 8.000% Pass No N/A $21,217.00 $23,857.66 Pass 6.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/25/2008     2           ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398010 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees     1 In Arrears 05/27/2005 53.000%   651 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX       No Value Provided   Negative Amortization $550,000.00 5.620% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $1,898.17 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.100% 6.330% 2.520% 0.000% 0.000% 6.330% 2.520% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $94.91 HUD 07/11/2005 To Borrower $489.10 $116,717.42 Yes No Escrows $0.00 No                   5.628%   $685,251.36 $548,214.48 XX/XX/XXXX   N/A N/A   H-9 07/02/2005 N/A 07/08/2005           Yes No Pass Fail ($36,179.54) $833.50 $43,885.89 Pass 8.000% Pass No N/A $833.50 $32,914.42 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/08/2005     2 ***Missing Valuation:: Appraisal not provided.         ***Final TIL Finance Charge Under Disclosed: Approval indicate the Index used was 2.52%. The closest Index available in our look-back period is 2.700% ***CHARM Booklet Disclosure Prior to Closing Timing ***ARM Disclosure Prior to Closing Timing ***Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398011 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 03/07/2004 38.197%   624 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $685,000.00 1990 $685,000.00 2055 w/ Interior 03/11/2004 Negative Amortization $548,000.00 4.813% Monthly XX/XX/XXXX 05/15/2004 04/15/2034 360 360 No $2,011.85 Yes 05/15/2004 05/15/2018 05/15/2005 05/15/2018 1 12 CODI Most recent index available 0.000 None 1.098% 3.700% 7.137% 1.113% 0.000% 0.000% 7.137% 1.113% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $100.59 HUD 04/09/2004 From Borrower $148,973.78   N/A No Escrows $0.00 No                   4.910%   $530,494.14 $540,505.92 XX/XX/XXXX   N/A N/A       N/A 04/12/2004 03/04/2004 03/04/2004       No N/A Pass Pass $2,698.99 $6,607.99 $43,276.08 N/A 8.000% N/A N/A N/A $17,567.99 $32,457.06 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/09/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***(Doc Error) Initial GFE not provided          
203398012 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 81.000% 81.000% 1 In Arrears 01/13/2006 37.000%   668 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1955 $630,000.00 2055 w/ Interior 10/13/2005 Negative Amortization $510,300.00 6.540% Monthly XX/XX/XXXX 04/15/2006 03/15/2036 360 360 No $1,989.88 Yes 04/15/2006 05/15/2018 04/15/2007 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None   3.400% 5.410% 3.140% 0.000% 0.000% 5.410% 3.140% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $99.49 HUD 02/17/2006 To Borrower $745.26 $745.26 Yes No Escrows $0.00 No                   6.585%   $770,739.15 $505,209.57 XX/XX/XXXX   N/A N/A   H-9 02/13/2006 N/A 02/17/2006           Yes No Pass Fail ($68,113.86) $2,801.25 $40,409.72 Pass 8.000% Pass No N/A $2,841.25 $30,307.29 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/17/2006     2 ***Missing Document: Missing Final 1003         ***TIL APR Tolerance Irregular Transaction: Under disclosure due to Pick-A-Payment Neg Am Note where approval shows Index used is 3.14% while lowest Index in look-back period is 3.46%. ***Final TIL Finance Charge Under Disclosed: Under disclosure due to Pick-A-Payment Neg Am Note where approval shows Index used is 3.14% while lowest Index in look-back period is 3.46%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398029 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 65.116% 65.116% 1 In Arrears 02/10/2007 27.803%   610 Fee Simple XXXXXX XXXXXX XXXXXX XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NV XXXXXXX XXXXXXX   1970 $215,000.00 1004/70 02/20/2007 Negative Amortization $140,000.00 7.787% Monthly XX/XX/XXXX 05/01/2007 04/01/2037 360 360 No $483.17 Yes 05/01/2007 05/01/2018 05/01/2008 05/01/2018 1 12 CODI Most recent index available 0.001 Nearest 5.266% 2.550% 4.163% 5.237% 0.000% 0.000% 4.163% 5.237% 11.950% 2.550% 11.950% 2.550% No   36 2% Yes 125.000% Percent 5.000% 15   $24.16 HUD 03/14/2007 To Borrower $11,143.47 $11,143.47 No Taxes and Insurance $117.60 No                   7.931%   $289,827.57 $136,647.41 XX/XX/XXXX   N/A N/A   H-8 03/09/2007 N/A 03/14/2007           Yes No Pass Fail ($1,461.39) $3,047.00 $10,913.34 Pass 8.000% Pass No N/A $3,047.00 $10,913.34 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/15/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the lender Index used was 5.217%. The closest Index available in our look-back period is 5.26583%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398030 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 54.348% 54.348% 1 In Arrears 09/14/2006     555 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1980 $230,000.00 1004/70 09/19/2006 Negative Amortization $125,000.00 7.524% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $462.03 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.750% 4.426% 4.774% 0.000% 0.000% 4.426% 4.774% 11.950% 2.750% 11.950% 2.750% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $23.10 HUD 10/06/2006 To Borrower $22,275.62 $27,309.62 No No Escrows $0.00 No                   7.769%   $254,192.24 $121,091.07 XX/XX/XXXX   N/A N/A   H-8 10/02/2006 N/A 10/06/2006           Yes No Pass Fail ($7,680.48) $3,703.50 $9,685.16 Pass 8.000% Pass No N/A $3,703.50 $9,685.16 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/02/2006     2           ***Final TIL Finance Charge Under Disclosed: Commitment and Approval indicates the Index used was 4.774%. The lowest Index available within the look-back period is 4.89667%. ***Missing Initial Loan Application Test          
203398054 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 66.897% 66.897% 1 In Arrears 11/01/2007 40.686%   631 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX IL XXXXXXX XXXXXXX   1920 $290,000.00 1004/70 11/12/2007 Negative Amortization $194,000.00 7.800% Monthly XX/XX/XXXX 01/15/2008 12/15/2037 360 360 No $791.99 Yes 12/15/2010 05/15/2018 01/15/2009 01/15/2019 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.100% 4.150% 4.700% 0.000% 0.000% 4.150% 4.700% 11.950% 3.100% 11.950% 3.100% No   36 2% Yes 125.000% Percent 5.000% 15   $39.60 HUD 11/22/2007 To Borrower $15,110.40 $15,110.40 No No Escrows $0.00 No                   8.178%   $412,485.67 $187,617.96 XX/XX/XXXX   N/A N/A   H-9 11/16/2007 N/A 11/21/2007           Yes No Pass Pass $2,444.06 $5,322.00 $15,017.95 Pass 8.000% Pass No N/A $9,202.00 $9,386.22 Pass 6.000% Pass No N/A No N/A N/A Yes Final HUD1 11/16/2007     2           ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance ***CHARM Booklet Disclosure Status          
203398069 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 70.588% 70.588% 1 In Arrears 04/24/2006     683 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           3 Family 3 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $340,000.00 1025/72 05/17/2006 Negative Amortization $240,000.00 6.960% Biweekly XX/XX/XXXX 07/03/2006 06/19/2036 360 360 No $480.41 Yes 07/17/2006 05/17/2018 07/02/2007 07/02/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 3.400% 4.990% 3.560% 0.000% 0.000% 4.990% 3.560% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 3.000% 15   $14.41 HUD 05/30/2006 To Borrower $11,036.09 $31,479.09 No Taxes and Insurance $950.29 No                   7.147%   $309,517.84 $234,515.20 XX/XX/XXXX   N/A N/A   H-8 05/24/2006 N/A 05/30/2006           Yes No Pass Fail ($51,295.48) $4,842.00 $18,739.21 Pass 8.000% Pass No N/A $9,572.00 $12,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/24/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $309,517.84 is underdisclosed from calculated Finance Charge of $325,654.45 in the amount of $16,136.61. Closing instructions indicate the Index used was 3.56%. The closest Index available in our look-back period is 3.79%. ***ARM Disclosure Timing ***CHARM Booklet Disclosure Status ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203398079 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 74.286% 74.286% 1 In Arrears 11/07/2006 38.011%   584 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $315,000.00 Desk-Top Review 10/18/2006 Negative Amortization $234,000.00 7.740% Biweekly XX/XX/XXXX 12/11/2006 11/27/2036 360 360 No $432.46 Yes 12/25/2006 05/25/2018 12/10/2007 12/10/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.600% 3.400% 4.210% 4.340% 0.000% 0.000% 4.210% 4.340% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $21.62 HUD   To Borrower $10,299.02 $13,597.01 Yes No Escrows $0.00 No                   7.901%   $371,654.50 $229,210.34 XX/XX/XXXX   N/A N/A   H-9 11/07/2006 N/A 11/13/2006           Yes No Pass Fail ($84,771.80) $3,741.27 $18,372.92 Pass 8.000% Pass No N/A $3,741.27 $13,779.69 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/16/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $371654.5 is underdisclosed from calculated Finance Charge of $391880.48 in the amount of $-20225.98. Approval indicates the index used was 4.34%. The lowest index available within the look-back period is 4.6%. Truth In Lending Act: Final TIL APR of 7.901% is underdisclosed from calculated APR of 8.148% in the amount of -0.247%. Approval indicates the index used was 4.34%. The lowest index available within the look-back period is 4.6%. ***Missing Initial Loan Application Test          
203398095 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 74.848% 74.848% 1 In Arrears 11/06/2005 37.970%   709 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1939 $330,000.00 1004/70 08/28/2005 Negative Amortization $247,000.00 6.510% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,081.75 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI 30 days 0.000 None 3.140% 3.450% 5.440% 3.060% 0.000% 0.000% 5.440% 3.060% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.09 HUD 12/12/2005 From Borrower $33,453.19   No Taxes and Insurance $1,020.64 No                   6.558%   $347,094.02 $245,436.75 XX/XX/XXXX   N/A N/A   H-8 12/06/2005 N/A 12/10/2005           Yes No Pass Fail ($6,253.71) $1,221.00 $19,676.52 Pass 8.000% Pass No N/A $7,396.00 $11,115.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/06/2005     2           ***CHARM Booklet Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: Lender Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.14%. ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398099 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 02/09/2007 26.188%   587 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NY XXXXXXX XXXXXXX   1960 $375,000.00 1004/70 02/07/2007 Negative Amortization $300,000.00 7.853% Biweekly XX/XX/XXXX 03/26/2007 03/12/2037 360 360 No $517.69 Yes 04/09/2007 05/09/2018 03/24/2008 03/24/2019 1 12 CODI Most recent index available 0.001 Nearest 5.217% 2.700% 4.097% 5.153% 0.000% 0.000% 4.097% 5.153% 11.950% 2.700% 11.950% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $25.88 HUD 02/21/2007 To Borrower $69,321.15 $80,878.05 No Taxes and Insurance $1,595.23 No                   8.020%   $486,808.84 $293,453.32 XX/XX/XXXX   N/A N/A   H-8 02/15/2007 N/A 02/21/2007 02/14/2007 02/14/2007       Yes No Pass Fail ($65,159.77) $4,922.00 $23,507.86 Pass 8.000% Pass No N/A $12,122.00 $14,753.90 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/21/2007     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $486808.84 is underdisclosed from calculated Finance Charge of $488325.81 in the amount of $-1516.97. Approval indicates the index used was 5.153%. The lowest index available within the look-back period is 5.21667%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state of NY          
203398101 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 05/14/2004     722 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $265,000.00 2055 w/ Interior 05/17/2004 Negative Amortization $212,000.00 4.735% Monthly XX/XX/XXXX 07/15/2004 06/15/2034 360 360 No $778.31 Yes 07/15/2004 05/15/2018 07/15/2005 07/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.085% 3.650% 7.215% 1.085% 0.000% 0.000% 7.215% 1.085% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $38.92 HUD 06/11/2004 To Borrower $16,735.77 $16,735.77 No No Escrows $0.00 No                   4.820%   $200,279.24 $209,485.50 XX/XX/XXXX   N/A N/A   H-8 06/05/2004 N/A 06/10/2004           Yes No Pass Fail ($606.21) $3,960.00 $16,632.20 Pass 8.000% Pass No N/A $8,200.00 $12,474.15 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/05/2004     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to itemization of amount financed not itemizing the fees. Itemization discloses prepaid finance charge of $2,513.50 which is under disclosed by $605 from the calculated finance charges of $3,118.50 ***ARM Disclosure Timing          
203398103 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 05/26/2006     648 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1975 $285,000.00 1004/70 06/09/2006 Negative Amortization $228,000.00 7.060% Monthly XX/XX/XXXX 08/15/2006 07/15/2036 360 360 No $854.18 Yes 08/15/2006 05/15/2018 08/15/2007 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.400% 4.890% 3.660% 0.000% 0.000% 4.890% 3.660% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $25.63 HUD   To Borrower $6,676.70 $6,676.70 No No Escrows $0.00 No                   7.198%   $406,897.75 $223,566.50 XX/XX/XXXX   N/A N/A   H-8 06/26/2006 N/A 06/30/2006 05/16/2006 05/16/2006       Yes No Pass Fail ($29,714.44) $3,790.00 $17,884.12 Pass 8.000% Pass No N/A $10,960.00 $11,400.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/26/2006     2           ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94% ***TIL APR Tolerance Irregular Transaction: Closing instructions indicate the Index used was 3.66%. The closest Index available in our look-back period is 3.94% ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398107 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 02/21/2006 36.782%   662 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX $325,000.00 2004 $325,000.00 1073/465 03/02/2006 Negative Amortization $260,000.00 6.810% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,040.89 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.450% 5.140% 3.360% 0.000% 0.000% 5.140% 3.360% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $52.04 HUD 03/17/2006 From Borrower $72,983.64   N/A No Escrows $0.00 No                   6.909%   $417,025.15 $255,587.21 XX/XX/XXXX   N/A N/A       N/A 03/22/2006 03/16/2006 03/16/2006       No N/A Pass Fail ($22,238.53) $2,958.00 $20,450.81 N/A 8.000% N/A N/A N/A $2,958.00 $20,450.81 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/17/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The approval indicates the Index used was 3.36%. The closest Index available within the look back period is 3.56%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398127 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 59.091% 59.091% 1 In Arrears 02/08/2007 33.000%   597 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1976 $330,000.00 1004/70 02/23/2007 Negative Amortization $195,000.00 7.567% Monthly XX/XX/XXXX 04/15/2007 03/15/2037 360 360 No $672.99 Yes 04/15/2007 05/15/2018 04/15/2008 04/15/2019 1 12 CODI Most recent index available 0.001 None 5.266% 2.350% 4.383% 5.217% 0.000% 0.000% 4.383% 5.217% 11.950% 2.350% 11.950% 2.350% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $33.65 HUD 03/13/2007 To Borrower $10,933.22 $11,399.22 No Insurance $62.56 No                   7.649%   $392,113.37 $192,928.71 XX/XX/XXXX   N/A N/A   H-8 03/08/2007 N/A 03/13/2007 02/26/2007 02/26/2007       Yes No Pass Fail ($1,767.67) $1,950.00 $15,437.53 Pass 8.000% Pass No N/A $1,950.00 $11,578.14 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/08/2007     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the lender Index used was 5.217%. The closest Index available in our look-back period is 5.26583%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398163 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 65.903% 65.903% 1 In Arrears 01/04/2005       Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1998 $349,000.00 1004/70 12/17/2004 Negative Amortization $230,000.00 5.213% Biweekly XX/XX/XXXX 03/14/2005 02/28/2035 360 360 No $422.20 Yes 03/28/2005 05/28/2018 03/13/2006 03/13/2019 1 12 CODI Most recent index available 0.001 Nearest 1.563% 3.650% 6.737% 1.563% 0.000% 0.000% 6.737% 1.563% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $21.11 HUD 02/09/2005 To Borrower $8,457.32 $8,457.32 No Taxes $0.00 No                   5.396%   $206,466.93 $224,862.14 XX/XX/XXXX   N/A N/A   H-8 02/04/2005 N/A 02/09/2005           Yes No Pass Fail ($10,429.64) $4,080.00 $18,023.53 Pass 8.000% Pass No N/A $4,080.00 $15,770.58 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/04/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398164 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI SISA   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 90.000% 1 In Arrears 02/06/2006 41.770%   696 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1972 $350,000.00 1004/70 02/15/2006 Negative Amortization $262,500.00 6.740% Biweekly XX/XX/XXXX 04/10/2006 03/27/2036 360 360 No $596.73 Yes 04/24/2006 05/24/2018 04/09/2007 04/09/2019 1 12 GDW-COSI 45 days 0.000 None 3.460% 3.500% 5.210% 3.240% 0.000% 0.000% 5.210% 3.240% 11.950% 3.500% 11.950% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $17.90 HUD 03/08/2006 To Borrower $1,128.45 $25,997.29 No Taxes and Insurance $408.24 No                   6.966%   $299,221.89 $255,931.91 XX/XX/XXXX   N/A N/A   H-8 03/03/2006 N/A 03/08/2006 02/22/2006 02/22/2006       Yes No Pass Fail ($40,914.11) $5,819.50 $20,460.55 Pass 8.000% Pass No N/A $12,312.00 $13,125.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/03/2006     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $299221.89 is underdisclosed from calculated Finance Charge of $312692.23 in the amount of $-13470.34. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.46%. Truth In Lending Act: Final TIL APR of 6.966% is underdisclosed from calculated APR of 7.193% in the amount of -0.227%. Approval indicates the index used was 3.24%. The lowest index available within the look-back period is 3.46%. ***ARM Disclosure Timing          
203398166 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Reduced   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.938% 86.688% 1 In Arrears 04/22/2007 47.145%   569 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2000 $400,000.00 1004/70 02/16/2007 Negative Amortization $303,750.00 7.767% Monthly XX/XX/XXXX 07/01/2007 06/01/2037 360 360 No $1,048.31 Yes 07/01/2007 05/01/2018 07/01/2008 07/01/2018 1 12 CODI Most recent index available 0.001 Nearest 5.324% 2.550% 4.183% 5.217% 0.000% 0.000% 4.183% 5.217% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $52.42 HUD 05/30/2007 To Borrower $2,919.00 $2,919.00 No Taxes and Insurance $253.93 No                   7.947%   $629,044.47 $296,258.26 XX/XX/XXXX   N/A N/A   H-8 05/22/2007 N/A 05/26/2007           Yes No Pass Fail ($8,410.89) $7,807.50 $23,665.05 Pass 8.000% Pass No N/A $7,807.50 $17,748.79 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/30/2007     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The Loan Approval indicates the Index used was 5.217%. The closest Index available in our look-back period is 5.32417%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398171 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.714% 77.714% 1 In Arrears 11/20/2005 39.259%   647 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   2002 $350,000.00 2055 w/ Interior 11/22/2005 Negative Amortization $272,000.00 6.370% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $1,032.79 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.400% 5.580% 2.970% 0.000% 0.000% 5.580% 2.970% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.64 HUD 12/27/2005 To Borrower $4,225.80 $4,225.80 No Insurance $79.26 No                   6.457%   $399,718.34 $268,269.07 XX/XX/XXXX   N/A N/A   H-8 12/21/2005 N/A 12/26/2005           Yes No Pass Fail ($29,484.65) $2,595.00 $21,480.24 Pass 8.000% Pass No N/A $7,965.00 $12,126.37 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/21/2005     2           ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.97%. The closest Index available in our look-back period is 3.24%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398172 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI SIVA   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 71.707% 71.707% 1 In Arrears 08/08/2006 31.341%   608 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX   1940 $410,000.00 1004/70 08/23/2006 Negative Amortization $294,000.00 7.390% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $1,086.69 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI 30 days 0.000 None 4.340% 3.450% 4.560% 3.940% 0.000% 0.000% 4.560% 3.940% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.33 HUD 09/12/2006 To Borrower $1,946.93 $1,946.93 No Taxes $863.19 No                   7.449%   $571,361.85 $291,763.96 XX/XX/XXXX   N/A N/A   H-8 09/08/2006 N/A 09/13/2006 09/05/2006 09/05/2006       Yes No Pass Fail ($42,506.26) $2,245.00 $23,331.11 Pass 8.000% Pass No N/A $7,505.00 $13,170.82 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/08/2006     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates index used as 3.94%; lowest available in our look -back is 4.34% ***TIL APR Tolerance Irregular Transaction: Approval indicates index used as 3.94%; lowest available in our look -back is 4.34% ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398177 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 67.632% 67.632% 1 In Arrears 03/16/2006 43.595%   572 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $380,000.00 Stated   Negative Amortization $257,000.00 6.560% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $943.51 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.560% 3.100% 5.390% 3.460% 0.000% 0.000% 5.390% 3.460% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.18 HUD 04/14/2006 To Borrower $1,763.23 $1,763.23 Yes Taxes $0.00 No                   6.560%   $402,268.52 $256,722.86 XX/XX/XXXX   N/A N/A   H-9 04/08/2006 N/A 04/13/2006   03/16/2006       Yes No Pass Fail ($10,744.33) $129.73 $20,549.62 Pass 8.000% Pass No N/A $129.73 $15,412.21 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/14/2006     2 ***Missing Valuation:: Appraisal not provided. ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Federal FACTA Disclosure Timing Test          
203398180 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 08/06/2005 44.302%   666 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1973 $374,000.00 2055 w/ Interior 08/08/2005 Negative Amortization $299,200.00 5.800% Monthly XX/XX/XXXX 11/15/2005 10/15/2035 360 360 No $1,032.59 Yes 11/15/2005 05/15/2018 11/15/2006 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.970% 3.100% 6.150% 2.700% 0.000% 0.000% 6.150% 2.700% 11.950% 3.100% 11.950% 3.100% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.63 HUD 10/18/2005 From Borrower $2,566.09   Yes No Escrows $0.00 No                   5.800%   $391,867.05 $299,152.46 XX/XX/XXXX   N/A N/A   H-9 10/10/2005 N/A 10/14/2005           Yes No Pass Fail ($31,587.01) $505.50 $23,891.75 Pass 8.000% Pass No N/A $505.50 $17,918.81 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/18/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***TIL APR Tolerance Irregular Transaction: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203398186 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 68.817% 68.817% 1 In Arrears 10/03/2006 39.945%   538 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1979 $465,000.00 1004/70 09/08/2006 Negative Amortization $320,000.00 7.447% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,182.79 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.550% 4.503% 4.897% 0.000% 0.000% 4.503% 4.897% 11.950% 2.550% 11.950% 2.550% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $59.14 HUD 11/08/2006 To Borrower $8,845.32 $50,240.32 No Taxes and Insurance $56.23 No                   7.664%   $637,244.72 $311,200.97 XX/XX/XXXX   N/A N/A   H-8 11/03/2006 N/A 11/08/2006 11/01/2006 11/01/2006       Yes No Pass Fail ($255.65) $7,603.00 $24,871.62 Pass 8.000% Pass No N/A $0.00 $22,400.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/03/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing detailed Itemization of Amount Financed. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398190 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 02/15/2004 30.000%   666 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1946 $220,000.00 1004/70 02/19/2004 Negative Amortization $165,000.00 4.763% Monthly XX/XX/XXXX 05/01/2004 04/01/2034 360 360 No $605.76 Yes 05/01/2004 05/01/2018 05/01/2005 05/01/2018 1 12 CODI Most recent index available 0.001 Nearest 1.113% 3.650% 7.187% 1.113% 0.000% 0.000% 7.187% 1.113% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $30.29 HUD 03/22/2004 To Borrower $21,712.10 $28,550.62 No Taxes $148.24 No                   4.852%   $157,169.52 $163,016.76 XX/XX/XXXX   N/A N/A   H-8 03/15/2004 N/A 03/19/2004           Yes No Pass Pass $11.46 $1,840.00 $13,030.40 Pass 8.000% Pass No N/A $5,147.30 $9,772.80 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/15/2004     2 ***Missing Document: Missing Final 1003         ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398191 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 02/03/2005 34.382%   741 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1977 $370,000.00 2055 w/ Interior 02/16/2005 Negative Amortization $296,000.00 5.213% Monthly XX/XX/XXXX 05/01/2005 04/01/2035 360 360 No $1,021.56 Yes 05/01/2005 05/01/2018 05/01/2006 05/01/2018 1 12 CODI Most recent index available 0.000 None 1.693% 3.650% 6.737% 1.563% 0.000% 0.000% 6.737% 1.563% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $51.08 HUD   To Borrower $47,011.18 $48,458.31 No Taxes and Insurance $339.69 No                   5.324%   $331,535.05 $290,576.04 XX/XX/XXXX   N/A N/A   H-8 02/22/2005 N/A 02/26/2005           Yes No Pass Fail ($12,603.24) $4,387.00 $23,220.80 Pass 8.000% Pass No N/A $10,307.00 $17,415.60 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/28/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the lender Index used was 1.563%. The closest Index available in our look-back period is 1.6925%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398199 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 66.667% 66.667% 1 In Arrears 09/27/2007     622 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $375,000.00 Stated   Negative Amortization $250,000.00 8.043% Monthly XX/XX/XXXX 12/01/2007 11/01/2037 360 360 No $917.82 Yes 12/01/2007 05/01/2018 12/01/2008 12/01/2018 1 12 CODI Most recent index available 0.001 Nearest 5.343% 2.700% 3.907% 5.343% 0.000% 0.000% 3.907% 5.343% 11.950% 2.700% 11.950% 2.700% No   36 2% Yes 125.000% Percent 5.000% 15   $45.89 HUD   To Borrower $8,818.11 $8,818.11 No Taxes $315.16 No                   8.204%   $537,786.14 $245,219.82 XX/XX/XXXX   N/A N/A   H-8 10/26/2007 N/A 10/31/2007           Yes No Pass Pass $240.78 $4,853.00 $19,607.35 Pass 8.000% Pass No N/A $4,853.00 $14,705.51 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/01/2007     2 ***Missing Valuation:: Appraisal not provided.         ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Disbursement Date Missing ***Federal FACTA Disclosure Timing Test          
203398200 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 02/10/2006     604 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1974 $440,000.00 1004/70 02/27/2006 Negative Amortization $352,000.00 6.810% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $1,409.20 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.450% 5.140% 3.360% 0.000% 0.000% 5.140% 3.360% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $70.46 HUD 03/16/2006 To Borrower $42,773.39 $42,773.39 No Taxes and Insurance $233.83 No                   7.050%   $570,417.50 $340,197.23 XX/XX/XXXX   N/A N/A   H-8 03/10/2006 N/A 03/15/2006           Yes No Pass Fail ($14,816.49) $9,653.00 $27,224.89 Pass 8.000% Pass No N/A $16,693.00 $20,418.67 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/16/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398209 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 05/06/2007 39.710%   663 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $339,000.00 Stated   Negative Amortization $271,200.00 7.790% Monthly XX/XX/XXXX 07/15/2007 06/15/2037 360 360 No $872.29 Yes 07/15/2007 07/15/2018 07/15/2008 07/15/2018 12 12 W-COSI 30 days 0.000 None 4.910% 2.850% 4.160% 4.940% 0.000% 0.000% 4.160% 4.940% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $26.17 HUD 06/11/2007 To Borrower $2,000.00 $2,000.00 No Taxes $475.25 No                   7.824%   $554,154.81 $269,851.48 XX/XX/XXXX   N/A N/A   H-8 06/06/2007 N/A 06/11/2007           Yes No Pass Pass $1,819.92 $1,264.00 $21,576.35 Pass 8.000% Pass No N/A $13,273.00 $13,560.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/06/2007     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Status ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Federal FACTA Disclosure Timing Test          
203398234 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB 58.478% 58.478% 1 In Arrears 11/21/2005 37.991%   654 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1961 $460,000.00 1004/70 12/15/2005 Negative Amortization $269,000.00 6.460% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $960.99 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $48.05 HUD 12/27/2005 To Borrower $39,839.75 $40,309.75 No Taxes and Insurance $269.94 No                   6.581%   $420,730.91 $264,094.41 XX/XX/XXXX   N/A N/A   H-8 12/21/2005 N/A 12/26/2005           Yes No Pass Fail ($20,218.57) $3,820.00 $21,142.03 Pass 8.000% Pass No N/A $9,200.00 $15,856.52 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/28/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Final Approval indicates the Index used was 3.06%. The closest Index available in our look-back period is 3.24%. ***Federal FACTA Disclosure Timing Test          
203398248 XXXXXXX XXXXXXX Broker Refinance Streamlined Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 10/17/2006 41.326%   543 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1924 $450,000.00 1004/70 10/05/2006 Negative Amortization $360,000.00 7.524% Monthly XX/XX/XXXX 01/01/2007 12/01/2036 360 360 No $1,330.64 Yes 01/01/2007 05/01/2018 01/01/2008 01/01/2019 1 12 CODI Most recent index available 0.001 Nearest 4.997% 2.750% 4.426% 4.774% 0.000% 0.000% 4.426% 4.774% 11.950% 2.750% 11.950% 2.750% No   36 2% Yes 125.000% Percent 5.000% 15   $66.53 HUD   From Borrower $410.87   No No Escrows $0.00 No                   7.644%   $726,644.29 $354,175.07 XX/XX/XXXX   N/A N/A   H-8 11/17/2006 N/A 11/22/2006           Yes No Pass Fail ($25,248.77) $4,777.00 $28,400.02 Pass 8.000% Pass No N/A $4,777.00 $21,300.02 Pass 8.000% Pass No N/A N/A N/A N/A Yes HUD1, not signed or stamped 11/29/2006     3 ***Missing Document: Missing Final 1003         ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP expired. Prepay charge not allowed per state (CA) - max prepayment charge for CA is assessed on amount prepaid in excess of 20%. Late charge on the Note is assessed on prepayment in excess of $5,000. ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.99667%; ***CHARM Booklet Disclosure Status          
203398253 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 69.512% 69.512% 1 In Arrears 02/04/2005 36.421%   741 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1978 $410,000.00 2055 w/ Interior 02/23/2005 Negative Amortization $285,000.00 5.230% Monthly XX/XX/XXXX 04/15/2005 03/15/2035 360 360 No $1,046.31 Yes 04/15/2005 05/15/2018 04/15/2006 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None   3.150% 6.720% 2.080% 0.000% 0.000% 6.720% 2.080% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $52.32 HUD 03/09/2005 To Borrower $99,737.83 $180,974.25 Yes No Escrows $0.00 No                   5.272%   $308,842.22 $283,090.26 XX/XX/XXXX   N/A N/A   H-9 03/04/2005 N/A 03/09/2005 02/01/2005 02/01/2005       Yes No Pass Fail ($27,869.13) $1,488.50 $22,661.31 Pass 8.000% Pass No N/A $4,338.50 $16,995.98 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/04/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Loan approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.39%. ***TIL APR Tolerance Irregular Transaction: Loan approval indicates the Index used was 2.080%. The lowest Index available within the look-back period is 2.39%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398260 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Full   World Savings Bank, FSB 90.000% 90.000% 1 In Arrears 08/10/2007 37.997%   710 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $385,000.00 1955 $385,000.00 1004/70 07/18/2007 Negative Amortization $346,500.00 8.400% Monthly XX/XX/XXXX 10/15/2007 09/15/2037 360 360 No $1,704.58 Yes 10/15/2007 05/15/2018 10/15/2008 10/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.850% 3.500% 3.850% 4.900% 0.000% 0.000% 3.850% 4.900% 12.250% 3.500% 12.250% 3.500% No   36 2% Yes 115.000% Percent 5.000% 15   $85.23 HUD 09/11/2007 From Borrower $39,506.27   N/A Taxes and Insurance $236.08 No                   8.661%   $694,224.20 $336,997.54 XX/XX/XXXX   N/A N/A       N/A 09/14/2007           Yes N/A Pass Fail ($17,305.16) $8,967.12 $27,001.11 N/A 8.000% N/A N/A N/A $8,967.12 $20,250.83 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/12/2007     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398269 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings And Loan Association, A Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 08/14/2005 30.917%   599 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX XXXXXX XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1953 $470,000.00 2055 w/ Interior 08/29/2005 Negative Amortization $376,000.00 6.180% Biweekly XX/XX/XXXX 10/17/2005 10/03/2035 360 360 No $690.20 Yes 10/31/2005 05/28/2018 10/16/2006 10/16/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.890% 3.400% 5.770% 2.780% 0.000% 0.000% 5.770% 2.780% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $34.51 HUD   To Borrower $29,119.50 $98,186.76 No Taxes and Insurance $580.44 No                   6.235%   $423,057.53 $372,452.36 XX/XX/XXXX   N/A N/A   H-8 09/14/2005 N/A 09/19/2005           Yes No Pass Fail ($51,671.19) $2,362.00 $29,819.53 Pass 8.000% Pass No N/A $9,882.00 $22,364.65 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/20/2005     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $423057.53 is underdisclosed from calculated Finance Charge of $433818.07 in the amount of $-10760.54. Approval indicates the index used was 2.78%. The lowest index available within the look-back period is 2.89%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***ARM Disclosure Compliant ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398282 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.254% 75.254% 1 In Arrears 10/04/2005     659 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2004 $590,000.00 2055 w/ Interior 10/07/2005 Negative Amortization $444,000.00 5.790% Monthly XX/XX/XXXX 12/15/2005 11/15/2035 360 360 No $1,630.04 Yes 12/15/2005 05/15/2018 12/15/2006 12/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.060% 2.900% 6.160% 2.890% 0.000% 0.000% 6.160% 2.890% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $81.50 HUD   To Borrower $1,823.50 $1,823.50 No No Escrows $0.00 No                   5.813%   $562,782.91 $441,764.85 XX/XX/XXXX   N/A N/A   H-8 10/26/2005 N/A 11/03/2005           Yes No Pass Fail ($26,960.00) $1,399.13 $35,340.45 Pass 8.000% Pass No N/A $1,399.13 $26,505.34 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/26/2005     2 ***Missing Document: Missing Final 1003         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: Approval indicates the lender Index used was 2.89%. The closest Index available in our look-back period is 3.06%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203398283 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Fastrack   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 60.612% 60.612% 1 In Arrears 07/01/2006 41.210%   531 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1944 $490,000.00 1004/70 07/20/2006 Negative Amortization $297,000.00 7.283% Monthly XX/XX/XXXX 09/15/2006 08/15/2036 360 360 No $1,097.77 Yes 09/15/2006 05/15/2018 09/15/2007 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.483% 2.800% 4.667% 4.483% 0.000% 0.000% 4.667% 4.483% 11.950% 2.800% 11.950% 2.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $54.89 HUD 08/08/2006 To Borrower $32,615.99 $32,615.99 No Taxes $462.35 No                   7.500%   $567,838.03 $288,670.40 XX/XX/XXXX   N/A N/A   H-8 08/01/2006 N/A 08/05/2006 07/28/2006 07/28/2006       Yes No Pass Pass $206.53 $7,695.99 $23,106.39 Pass 8.000% Pass No N/A $7,695.99 $17,329.79 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/08/2006     2 ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test          
203398324 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 79.993% 79.993% 1 In Arrears 09/08/2005     746 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX $621,301.00 2005 $648,000.00 1004/70 01/05/2006 Negative Amortization $497,000.00 6.150% Biweekly XX/XX/XXXX 02/13/2006 01/30/2036 360 360 No $912.31 Yes 02/27/2006 05/27/2018 02/12/2007 02/12/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.450% 5.800% 2.700% 0.000% 0.000% 5.800% 2.700% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $45.62 HUD 01/10/2006 From Borrower $130,995.00   N/A Taxes and Insurance $623.63 No                   6.275%   $559,168.31 $488,589.32 XX/XX/XXXX   N/A N/A       N/A 01/14/2006           No N/A Pass Fail ($139,725.27) $6,005.31 $39,145.22 N/A 8.000% N/A N/A N/A $0.00 $34,790.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/10/2006     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $559168.31 is underdisclosed from calculated Finance Charge of $634886.63 in the amount of $-75718.32. Approval indicates the index used was 2.7%. The lowest index available within the look-back period is 3.24%. Truth In Lending Act: Final TIL APR of 6.275% is underdisclosed from calculated APR of 6.785% in the amount of -0.51%. Approval indicates the index used was 2.7%. The lowest index available within the look-back period is 3.24%.          
203398342 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.660% 75.660% 1 In Arrears 09/16/2006     550 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1956 $530,000.00 1004/70 08/09/2006 Negative Amortization $401,000.00 7.447% Monthly XX/XX/XXXX 12/15/2006 11/15/2036 360 360 No $1,482.18 Yes 12/15/2006 05/15/2018 12/15/2007 12/15/2018 1 12 CODI Most recent index available 0.001 Nearest 4.897% 2.550% 4.503% 4.897% 0.000% 0.000% 4.503% 4.897% 11.950% 2.550% 11.950% 2.550% No   36 2% Yes 125.000% Percent 5.000% 15   $74.11 HUD 10/20/2006 To Borrower $0.00 $0.00 No No Escrows $0.00 No                   7.615%   $797,813.25 $390,705.94 XX/XX/XXXX   N/A N/A   H-8 10/16/2006 N/A 10/20/2006           Yes No Pass Pass $268.97 $8,316.00 $31,244.55 Pass 8.000% Pass No N/A $8,316.00 $23,433.41 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 10/24/2006     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Status ***ARM Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398343 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI No Ratio   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 67.925% 67.925% 1 In Arrears 12/24/2006     593 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1955 $530,000.00 1004/70 01/03/2007 Negative Amortization $360,000.00 7.450% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $1,330.64 Yes 03/15/2007 05/15/2018 03/15/2008 03/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.730% 2.800% 4.500% 4.650% 0.000% 0.000% 4.500% 4.650% 11.950% 2.800% 11.950% 2.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $66.53 HUD 01/29/2007 To Borrower $204,845.40 $239,789.40 No No Escrows $0.00 No                   7.569%   $713,986.35 $353,548.84 XX/XX/XXXX   N/A N/A   H-8 01/24/2007 N/A 01/29/2007           Yes No Pass Fail ($14,063.45) $5,365.00 $28,270.86 Pass 8.000% Pass No N/A $5,365.00 $21,203.15 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/29/2007     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: The approval indicates the Index used was 4.65%. The closest Index available within the look back period is 4.73%.          
203398348 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 66.667% 66.667% 1 In Arrears 08/06/2007 36.141%   575 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1920 $450,000.00 1025/72 07/30/2007 Negative Amortization $300,000.00 7.600% Monthly XX/XX/XXXX 10/15/2007 09/15/2037 360 360 No $1,108.86 Yes 10/15/2007 05/15/2018 10/15/2008 10/15/2018 1 12 W-COSI 30 days 0.000 None 4.900% 2.700% 4.650% 4.900% 0.000% 0.000% 4.650% 4.900% 12.250% 2.700% 12.250% 2.700% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $66.53 HUD 08/15/2007 To Borrower $78,694.94 $81,036.40 N/A Taxes and Insurance $707.24 No                           XX/XX/XXXX   N/A N/A       N/A 08/20/2007           No N/A     $0.00 $8,040.00 $23,201.87 N/A 8.000% N/A N/A N/A $16,970.00 $15,000.00 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/15/2007     1 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:                    
203398359 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 63.333% 63.333% 1 In Arrears 04/11/2006 45.921%   608 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1973 $600,000.00 1004/70 04/19/2006 Negative Amortization $380,000.00 6.310% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $1,395.08 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.790% 2.850% 5.640% 3.460% 0.000% 0.000% 5.640% 3.460% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $41.85 HUD   To Borrower $1,176.33 $1,176.33 Yes Taxes $866.72 No                   6.332%   $557,821.76 $377,305.25 XX/XX/XXXX   N/A N/A   H-9 05/22/2006 N/A 05/27/2006           Yes No Pass Fail ($50,209.76) $1,210.50 $30,303.16 Pass 8.000% Pass No N/A $10,582.50 $19,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/22/2006     2 ***Missing Document: Missing Final 1003         ***TIL APR Tolerance Irregular Transaction: Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.79%. ***Disbursement Date Missing ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Final TIL Finance Charge Under Disclosed: Lender approval indicates the Index used was 3.46%. The lowest Index available within the look-back period is 3.79%. ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203398369 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 54.614% 54.614% 1 In Arrears 02/04/2006 33.440%   645 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX NJ XXXXXXX XXXXXXX     $531,000.00 Stated   Negative Amortization $290,000.00 6.040% Biweekly XX/XX/XXXX 04/03/2006 03/20/2036 360 360 No $873.09 Yes 04/17/2006 05/17/2018 04/02/2007 04/02/2019 1 12 GDW-COSI Most recent index available 0.000 None   2.900% 5.910% 3.140% 0.000% 0.000% 5.910% 3.140% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $43.65 HUD 03/09/2006 To Borrower $3,300.09 $48,777.09 Yes No Escrows $0.00 No                   6.040%   $266,408.45 $289,037.60 XX/XX/XXXX   N/A N/A   H-9 03/04/2006 N/A 03/09/2006 02/22/2006 02/22/2006       Yes No Pass Fail ($21,382.76) $655.50 $23,105.21 Pass 8.000% Pass No N/A $7,750.00 $13,021.87 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 02/28/2006     2 ***Missing Valuation:: Appraisal not provided ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $266408.45 is underdisclosed from calculated Finance Charge of $287068.4 in the amount of $-20659.95. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.56%. Truth In Lending Act: Final TIL APR of 6.04% is underdisclosed from calculated APR of 6.461% in the amount of -0.421%. Approval indicates the index used was 3.14%. The lowest index available within the look-back period is 3.56%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (NJ) NJ does not allow a prepayment charge - note states 2%. Lender is World Savings, Bank, FSB.          
203398377 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Stated   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 09/18/2004 38.630%   630 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $485,000.00 1950 $485,000.00 1004/70 09/17/2004 Negative Amortization $339,500.00 4.862% Monthly XX/XX/XXXX 11/15/2004 10/15/2034 360 360 No $1,246.39 Yes 11/15/2004 05/15/2018 11/15/2005 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.277% 3.650% 7.088% 1.212% 0.000% 0.000% 7.088% 1.212% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $62.32 HUD 10/08/2004 From Borrower $147,250.83   N/A No Escrows $0.00 No                   4.980%   $334,114.63 $334,141.80 XX/XX/XXXX   N/A N/A       N/A 10/09/2004           No N/A Pass Fail ($5,481.08) $4,270.00 $26,793.07 N/A 8.000% N/A N/A N/A $11,060.00 $20,094.80 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/11/2004     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 1.27667%, approval states index is 1.212% ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398400 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.109% 75.109% 1 In Arrears 11/20/2006 41.313%     Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX     $685,000.00 Stated   Negative Amortization $514,500.00 7.197% Monthly XX/XX/XXXX 02/15/2007 01/15/2037 360 360 No $1,775.65 Yes 02/15/2008 05/15/2018 02/15/2008 02/15/2019 1 12 CODI Most recent index available 0.000 None 5.081% 2.200% 4.753% 4.997% 0.000% 0.000% 4.753% 4.997% 11.950% 2.200% 11.950% 2.200% No   36 2% Yes 125.000% Percent 5.000% 15   $88.78 HUD 12/26/2006 To Borrower $1,198.41 $1,198.41 Yes No Escrows $0.00 No                   7.213%   $987,246.78 $510,480.45 XX/XX/XXXX   N/A N/A   H-9 12/20/2006 N/A 12/26/2006           Yes No Pass Fail ($18,463.42) $1,214.50 $40,900.52 Pass 8.000% Pass No N/A $1,214.50 $30,675.39 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/20/2006     2           ***Final TIL Finance Charge Under Disclosed: It appears the underdisclosure is due to the index, per the approval the lender used 4.997%, lowest index in look back is 5.080% ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398403 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI UTD   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 03/01/2004       Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $420,000.00 2055 w/ Interior 03/08/2004 Negative Amortization $294,000.00 4.763% Monthly XX/XX/XXXX 05/15/2004 04/15/2034 360 360 No $1,079.35 Yes 05/15/2004 05/15/2018 05/15/2005 05/15/2018 1 12 CODI Most recent index available 0.000 None 1.113% 3.650% 7.187% 1.113% 0.000% 0.000% 7.187% 1.113% 11.950% 3.650% 11.950% 3.650% No   36 1%, 2%, 3% Yes 125.000% Percent 5.000% 15   $53.97 HUD 03/17/2004 To Borrower $180,205.36 $180,205.36 No No Escrows $0.00 No                   4.879%   $281,715.24 $288,798.28 XX/XX/XXXX   N/A N/A   H-8 03/12/2004 N/A 03/17/2004           Yes No Pass Pass $14.46 $4,428.85 $23,077.32 Pass 8.000% Pass No N/A $10,258.85 $17,307.99 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/18/2004     2 ***Missing Document: Missing Final 1003         ***Missing Initial Loan Application Test ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203398420 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI UTD   World Savings Bank, A Federal Savings Bank 75.000% 75.000% 1 In Arrears 08/24/2004     634 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1969 $610,000.00 1004/70 07/20/2004 Negative Amortization $457,500.00 4.812% Monthly XX/XX/XXXX 11/15/2004 10/15/2034 360 360 No $1,679.60 Yes 11/15/2004 05/15/2018 11/15/2005 11/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.212% 3.650% 7.138% 1.162% 0.000% 0.000% 7.138% 1.162% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $83.98 HUD   To Borrower $70,777.28 $70,777.28 No Taxes $1,525.25 No                   4.836%   $438,858.18 $455,132.04 XX/XX/XXXX   N/A N/A   H-8 09/24/2004 N/A 09/29/2004           Yes No Pass Fail ($6,191.05) $1,153.00 $36,430.56 Pass 8.000% Pass No N/A $10,303.00 $27,322.92 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 09/30/2004     2           ***Final TIL Finance Charge Under Disclosed: Approval indicates the index used at origination was 1.162%, however the lowest index available within the look-back period was 1.21167%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398444 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings And Loan Association, A Federal Savings And Loan Association, Its Successors and/or Assignees 76.923% 76.923% 1 In Arrears 07/18/2007 38.059%   598 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1991 $1,300,000.00 1004/70 07/09/2007 Negative Amortization $1,000,000.00 7.500% Monthly XX/XX/XXXX 09/15/2007 08/15/2037 360 360 No $3,216.40 Yes 09/07/2007 05/07/2018 09/15/2008 09/15/2018 1 12 W-COSI Other 0.000 None 4.900% 2.600% 4.450% 4.900% 0.000% 0.000% 4.450% 4.900% 11.950% 2.600% 11.950% 2.600% No   12 2% Yes 125.000% Percent 5.000% 15   $160.82 HUD 07/31/2007 To Borrower $9,441.54 $9,441.54 Yes No Escrows $0.00 No                   7.515%   $1,967,066.32 $995,024.30 XX/XX/XXXX   N/A N/A   H-9 07/26/2007 N/A 07/31/2007           Yes No Pass Pass $300.00 $1,643.50 $79,621.94 Pass 8.000% Pass No N/A $1,643.50 $59,716.45 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/31/2007     2           ***CHARM Booklet Disclosure Status ***Missing Initial Loan Application Test ***(Doc Error) Initial GFE not provided          
203398455 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 04/06/2005     557 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1953 $144,500.00 2055 w/ Interior 01/21/2005 Negative Amortization $115,600.00 5.840% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $424.40 Yes 06/15/2005 05/15/2018 06/15/2006 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.520% 3.450% 6.110% 2.390% 0.000% 0.000% 6.110% 2.390% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $21.22 HUD 05/12/2005 To Borrower $22,165.44 $22,165.44 No Taxes $0.00 No                   6.122%   $152,031.98 $111,569.00 XX/XX/XXXX   N/A N/A   H-8 05/06/2005 N/A 05/11/2005           Yes No Pass Fail ($5,031.53) $3,888.00 $8,929.56 Pass 8.000% Pass No N/A $0.00 $8,092.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/05/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***Missing Initial Loan Application Test          
203398488 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 11/17/2007 31.128%   636 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1957 $242,000.00 1004/70 11/14/2007 Fixed Rate $193,600.00 8.100% Monthly XX/XX/XXXX 02/01/2008 01/01/2038 360 360 No $831.98 No     02/01/2009 02/01/2019   12                                 No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $41.60 HUD 12/21/2007 To Borrower $56,893.85 $56,893.85 No No Escrows $0.00 No                   8.344%   $413,748.25 $187,815.44 XX/XX/XXXX   N/A N/A   H-8 12/17/2007 N/A 12/21/2007           Yes No Pass Pass $417.99 $4,944.00 $15,054.67 Pass 8.000% Pass No N/A $4,944.00 $15,054.67 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/17/2007     2           ***Missing Initial Loan Application Test          
203398505 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Alt   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 03/12/2005 40.564%   666 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1989 $315,000.00 1004/70 03/25/2005 Negative Amortization $252,000.00 5.590% Monthly XX/XX/XXXX 06/15/2005 05/15/2035 360 360 No $925.16 Yes 06/15/2005 05/15/2018 06/15/2006 06/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.390% 3.400% 6.360% 2.190% 0.000% 0.000% 6.360% 2.190% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $46.26 HUD   To Borrower $81,203.36 $81,203.36 No Taxes and Insurance $198.72 No                   5.713%   $305,140.32 $247,453.61 XX/XX/XXXX   N/A N/A   H-8 04/12/2005 N/A 04/16/2005           Yes No Pass Fail ($17,584.43) $4,030.00 $19,754.24 Pass 8.000% Pass No N/A $4,030.00 $14,815.68 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/19/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398512 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB , a Federal Savings Bank 83.279% 83.279% 1 In Arrears 07/02/2007 36.000%   624 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1976 $305,000.00 1004/70 07/23/2007 Negative Amortization $254,000.00 7.550% Monthly XX/XX/XXXX 09/15/2007 08/15/2037 360 360 No $932.50 Yes 08/15/2010 05/15/2018 09/15/2008 09/15/2018 1 12 W-COSI 30 days 0.000 None   2.600% 4.400% 4.950% 0.000% 0.000% 4.400% 4.950% 11.950% 2.600% 11.950% 2.600% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $27.98 HUD 08/07/2007 To Borrower $19,029.25 $19,029.25 N/A Taxes and Insurance $64.73 No                   7.649%   $513,515.52 $249,336.68 XX/XX/XXXX   N/A N/A   H-8 08/02/2007 N/A 08/07/2007 07/17/2007 07/17/2007       Yes No Pass Pass $4,677.87 $4,848.00 $19,895.73 Pass 8.000% Pass No N/A $7,318.00 $12,700.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 08/02/2007     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203398514 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   World Savings Bank, FSB , a Federal Savings Bank 71.724% 71.724% 1 In Arrears 05/23/2006 46.394%   625 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX     $290,000.00 Stated   Negative Amortization $208,000.00 6.510% Biweekly XX/XX/XXXX 07/17/2006 07/03/2036 360 360 No $381.81 Yes 07/31/2006 05/28/2018 07/16/2007 07/16/2018 1 12 GDW-COSI 30 days 0.000 None 3.790% 2.850% 5.440% 3.660% 0.000% 0.000% 5.440% 3.660% 11.950% 2.850% 11.950% 2.850% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $11.45 HUD 06/20/2006 To Borrower $117,120.93 $122,326.68 Yes No Escrows $0.00 No                   6.572%   $252,950.00 $206,022.30 XX/XX/XXXX   N/A N/A   H-9 06/26/2006 N/A 06/30/2006           Yes No Pass Fail ($35,465.61) $1,532.50 $16,506.47 Pass 8.000% Pass No N/A $6,576.99 $10,400.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/15/2006     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $252950 is underdisclosed from calculated Finance Charge of $260469.65 in the amount of $-7519.65. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%. Truth In Lending Act: Final TIL APR of 6.572% is underdisclosed from calculated APR of 6.703% in the amount of -0.131%. Approval indicates the index used was 3.66%. The lowest index available within the look-back period is 3.79%. ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File          
203398518 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 77.465% 77.465% 1 In Arrears 05/28/2005 42.502%   681 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1980 $355,000.00 1004/70 04/20/2005 Negative Amortization $275,000.00 5.920% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $949.09 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.400% 6.030% 2.520% 0.000% 0.000% 6.030% 2.520% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.45 HUD   To Borrower $24,754.09 $51,613.90 No Taxes $0.00 No                   6.046%   $377,615.23 $270,115.70 XX/XX/XXXX   N/A N/A   H-8 06/28/2005 N/A 07/02/2005           Yes No Pass Fail ($19,834.25) $5,010.50 $21,563.48 Pass 8.000% Pass No N/A $10,510.50 $16,172.61 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/06/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.52%. The lowest Index available within the look-back period is 2.7%.          
203398520 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 75.000% 90.000% 1 In Arrears 05/22/2006 36.101%   642 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1974 $305,000.00 1004/70 06/08/2006 Negative Amortization $228,750.00 7.110% Biweekly XX/XX/XXXX 07/31/2006 07/17/2036 360 360 No $500.92 Yes 08/14/2006 05/14/2018 07/30/2007 07/30/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.450% 4.840% 3.660% 0.000% 0.000% 4.840% 3.660% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $15.03 HUD 06/27/2006 To Borrower $12,395.99 $12,395.99 N/A Taxes and Insurance $529.48 No                   7.151%   $283,052.07 $226,929.40 XX/XX/XXXX   N/A N/A   H-8 06/22/2006 N/A 06/27/2006 06/05/2006 06/05/2006       Yes No Pass Fail ($46,849.99) $1,452.00 $18,108.77 Pass 8.000% Pass No N/A $6,007.00 $11,437.50 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 06/22/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $283,052.07 is underdisclosed from calculated Finance Charge of $301,084.85 in the amount of $18,032.78. Truth In Lending Act: Final TIL APR of 7.151% is underdisclosed from calculated APR of 7.455% in the amount of 0.3037%. Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period. ***(Missing Data) Unable to determine if loan is a same lender refi ***Right of Rescission Timing - Receipt Date Missing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test ***(Doc Error) TIL Error: Borrower signature not dated.          
203398525 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 12/13/2006 39.296%   626 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX FL XXXXXXX XXXXXXX   1978 $320,000.00 1004/70 12/08/2006 Negative Amortization $256,000.00 7.400% Monthly XX/XX/XXXX 02/15/2007 01/15/2037 360 360 No $883.51 Yes 02/15/2007 05/15/2018 02/15/2008 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.690% 2.800% 4.550% 4.600% 0.000% 0.000% 4.550% 4.600% 11.950% 2.800% 11.950% 2.800% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $44.18 HUD 01/08/2007 To Borrower $97,586.04 $116,398.08 No Taxes and Insurance $603.32 No                   7.478%   $507,446.81 $253,050.90 XX/XX/XXXX   N/A N/A   H-8 01/02/2007 N/A 01/06/2007 12/27/2006 12/27/2006       Yes No Pass Fail ($4,518.24) $2,814.00 $20,225.81 Pass 8.000% Pass No N/A $2,814.00 $20,225.81 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/02/2007     2           ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period          
203398537 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 06/07/2005 29.000%   644 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1951 $320,000.00 2055 w/ Interior 06/21/2005 Negative Amortization $240,000.00 6.170% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $911.28 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.650% 5.780% 2.520% 0.000% 0.000% 5.780% 2.520% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $45.56 HUD 07/15/2005 To Borrower $44,426.30 $44,426.30 No Taxes $132.54 No                   6.381%   $343,394.66 $233,820.79 XX/XX/XXXX   N/A N/A   H-8 07/07/2005 N/A 07/12/2005           Yes No Pass Fail ($10,070.15) $6,442.50 $18,681.35 Pass 8.000% Pass No N/A $6,442.50 $14,011.01 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/15/2005     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status          
203398545 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 11/26/2005     630 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1984 $400,000.00 2055 w/ Interior 12/15/2005 Negative Amortization $300,000.00 6.210% Monthly XX/XX/XXXX 02/15/2006 01/15/2036 360 360 No $1,169.83 Yes 02/15/2006 05/15/2018 02/15/2007 02/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.240% 3.150% 5.740% 3.060% 0.000% 0.000% 5.740% 3.060% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $58.49 HUD 12/29/2005 To Borrower $85,241.40 $85,241.40 No Taxes and Insurance $314.72 No                   6.331%   $416,931.07 $294,845.32 XX/XX/XXXX   N/A N/A   H-8 12/23/2005 N/A 12/28/2005 12/20/2005 12/20/2005       Yes No Pass Fail ($20,123.10) $4,465.85 $23,565.45 Pass 8.000% Pass No N/A $0.00 $21,000.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/23/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The loan approval indicates the lender used an index value of 3.06%, the lowest index available in the lookback period is 3.24%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398548 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Alt   Wachovia Mortgage, FSB 75.000% 75.000% 1 In Arrears 02/09/2008 40.060%   608 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1990 $312,000.00 1004/70 01/29/2008 Fixed Rate $234,000.00 7.750% Monthly XX/XX/XXXX 05/01/2008 04/01/2038 360 360 No $1,083.70 No     05/01/2009 05/01/2018   12                                 No       Yes 125.000% Percent 5.000% 15   $54.19 HUD   To Borrower $7,188.95 $37,165.33 No Taxes and Insurance $263.01 No                   8.061%   $437,455.89 $225,214.40 XX/XX/XXXX   N/A N/A   H-8 03/09/2008 N/A 03/13/2008 01/23/2008 01/23/2008       Yes No Pass Pass $246.59 $7,975.00 $18,006.48 Pass 8.000% Pass No N/A $7,975.00 $13,504.86 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/14/2008     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Missing Initial Loan Application Test          
203398557 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 08/10/2006 35.684%   610 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX WA XXXXXXX XXXXXXX   1959 $275,000.00 1004/70 07/31/2006 Negative Amortization $206,250.00 7.340% Monthly XX/XX/XXXX 10/15/2006 09/15/2036 360 360 No $762.35 Yes 10/15/2006 05/15/2018 10/15/2007 10/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.340% 3.400% 4.610% 3.940% 0.000% 0.000% 4.610% 3.940% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $38.12 HUD   To Borrower $5,944.20 $27,487.20 No Taxes and Insurance $0.00 No                   7.535%   $399,741.83 $200,733.82 XX/XX/XXXX   N/A N/A   H-8 08/24/2006 N/A 08/29/2006           Yes No Pass Fail ($33,411.14) $4,633.50 $16,072.90 Pass 8.000% Pass No N/A $0.00 $0.00 N/A   N/A N/A N/A N/A N/A N/A Yes Estimated HUD1 08/28/2006     3           ***Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing ***ARM Disclosure Timing ***Missing Initial Loan Application Test ***Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%. ***TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 3.94%. The closest Index available in our look-back period is 4.34%. ***CHARM Booklet Disclosure Status ***Federal FACTA Disclosure Timing Test          
203398575 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 77.521% 87.183% 1 In Arrears 04/09/2007 39.450%   648 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1980 $355,000.00 1004/70 03/26/2007 Negative Amortization $275,200.00 7.666% Monthly XX/XX/XXXX 06/15/2007 05/15/2037 360 360 No $1,101.74 Yes 06/15/2007 05/15/2018 06/15/2008 06/15/2018 1 12 CODI Most recent index available 0.001 Nearest 5.301% 2.400% 4.284% 5.266% 0.000% 0.000% 4.284% 5.266% 11.950% 2.400% 11.950% 2.400% No   12 2% Yes 125.000% Percent 3.000% 15   $33.05 HUD 04/23/2007 To Borrower $1,289.01 $2,068.23 No Taxes $344.23 No                   7.743%   $548,832.71 $271,433.24 XX/XX/XXXX   N/A N/A   H-8 04/18/2007 N/A 04/23/2007           Yes No Pass Fail ($5,028.75) $2,855.16 $21,685.85 Pass 8.000% Pass No N/A $12,292.16 $13,760.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/18/2007     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 5.266%. The lowest Index available within the look-back period is 5.3008%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398577 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 06/13/2005 28.000%   672 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1959 $379,000.00 1004/70 05/14/2005 Negative Amortization $284,250.00 6.192% Monthly XX/XX/XXXX 09/15/2005 08/15/2035 360 360 No $981.01 Yes 09/15/2005 05/15/2018 09/15/2006 09/15/2018 1 12 CODI Most recent index available 0.001 Nearest 2.492% 3.700% 5.758% 2.492% 0.000% 0.000% 5.758% 2.492% 11.950% 3.700% 11.950% 3.700% No   36 2% Yes 125.000% Percent 5.000% 15   $49.05 HUD 07/18/2005 To Borrower $42,884.83 $42,884.83 No Taxes and Insurance $685.68 No                   6.226%   $418,491.81 $281,657.84 XX/XX/XXXX   N/A N/A   H-8 07/13/2005 N/A 07/18/2005           Yes No Pass Pass $118.09 $1,373.00 $22,522.14 Pass 8.000% Pass No N/A $0.00 $19,897.50 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 07/13/2005     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Compliant ***Missing Initial Loan Application Test          
203398581 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, A Federal Savings Bank 52.000% 52.000% 1 In Arrears 08/25/2006 32.534%   614 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1998 $625,000.00 1004/70 09/06/2006 Negative Amortization $325,000.00 7.560% Biweekly XX/XX/XXXX 10/30/2006 10/16/2036 360 360 No $600.64 Yes 11/13/2006 05/13/2018 10/29/2007 10/29/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.490% 3.450% 4.390% 4.110% 0.000% 0.000% 4.390% 4.110% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $18.02 HUD 09/25/2006 To Borrower $18,704.86 $18,704.86 No No Escrows $0.00 No                   7.601%   $494,053.22 $322,147.55 XX/XX/XXXX   N/A N/A   H-8 09/19/2006 N/A 09/23/2006           Yes No Pass Fail ($116,693.77) $1,603.95 $25,758.28 Pass 8.000% Pass No N/A $16,164.95 $16,250.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/19/2006     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $494053.22 is underdisclosed from calculated Finance Charge of $535453.44 in the amount of $-41400.22. Approval indicates the index used was 4.11%. The lowest index available within the look-back period is 4.49%. Truth In Lending Act: Final TIL APR of 7.601% is underdisclosed from calculated APR of 7.982% in the amount of -0.381%. Approval indicates the index used was 4.11%. The lowest index available within the look-back period is 4.49%. ***(Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA is 3 months interest - note states 2%. Lender is World Savings, Bank, FSB. ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test          
203398594 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   Wachovia Mortgage, FSB, a Federal Savings Bank 75.000% 75.000% 1 In Arrears 02/17/2008     660 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2006 $444,000.00 1004/70 03/06/2008 Negative Amortization $333,000.00 7.750% Monthly XX/XX/XXXX 05/01/2008 04/01/2038 360 360 No $1,449.24 Yes 04/01/2011 05/01/2018 05/01/2009 05/01/2018 1 12 W-COSI Most recent index available 0.000 None   3.100% 4.200% 4.650% 0.000% 0.000% 4.200% 4.650% 11.950% 3.100% 11.950% 3.100% No       Yes 125.000% Percent 5.000% 15   $72.46 HUD 03/24/2008 To Borrower $1,155.40 $1,155.40 No No Escrows $0.00 No                   7.816%   $643,121.50 $330,465.32 XX/XX/XXXX   N/A N/A   H-8 03/18/2008 N/A 03/22/2008 03/12/2008 04/11/2008       Yes No Pass Fail ($7,157.99) $1,212.00 $26,498.95 Pass 8.000% Pass No N/A $1,212.00 $19,874.21 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 03/24/2008     2           ***Final TIL Finance Charge Under Disclosed: The Lender's approval reflects a qualifying index rate of 4.470% which matches the audit value, however it appears the final TIL was disclosed at a lower index rate as the recasted payment is less than the fully index rate disclosed on the approval would calculate to be. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Missing Initial Loan Application Test          
203398640 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB , a Federal Savings Bank 58.333% 58.333% 1 In Arrears 11/06/2006 40.273%   610 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1989 $480,000.00 2055 w/ Interior 11/09/2006 Negative Amortization $280,000.00 7.740% Monthly XX/XX/XXXX 01/01/2007 12/01/2036 360 360 No $1,034.94 Yes 01/01/2007 05/01/2018 01/01/2008 01/01/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.600% 3.250% 4.210% 4.490% 0.000% 0.000% 4.210% 4.490% 11.950% 3.250% 11.950% 3.250% No   36 2% Yes 125.000% Percent 5.000% 15   $51.75 HUD 11/20/2006 To Borrower $39,532.31 $42,263.31 Yes Taxes $583.05 No                   7.879%   $585,546.62 $274,696.32 XX/XX/XXXX   N/A N/A   H-9 11/15/2006 N/A 11/20/2006           Yes No Pass Fail ($5,458.62) $4,814.50 $21,962.58 Pass 8.000% Pass No N/A $4,814.50 $16,471.93 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 11/14/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398644 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 53.279% 53.279% 1 In Arrears 07/13/2007     607 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           2 Family 2 XXXXXXX XXXXXXX UT XXXXXXX XXXXXXX   1992 $427,000.00 1025/72 06/15/2007 Negative Amortization $227,500.00 7.900% Monthly XX/XX/XXXX 09/15/2007 08/15/2037 360 360 No $893.00 Yes 08/15/2010 05/15/2018 09/15/2008 09/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 2.900% 4.350% 5.000% 0.000% 0.000% 4.350% 5.000% 12.250% 2.900% 12.250% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 10   $53.58 HUD 08/14/2007 To Borrower $67,211.85 $67,211.85 No Taxes and Insurance $1,021.62 No                           XX/XX/XXXX   N/A N/A       N/A 08/17/2007 07/25/2007 07/25/2007       No N/A     $0.00 $3,795.00 $17,892.46 N/A 8.000% N/A N/A N/A $3,795.00 $17,892.46 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 08/13/2007     2           ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398653 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI Reduced   World Savings Bank, FSB , a Federal Savings Bank 80.000% 80.000% 1 In Arrears 02/28/2005 23.588%   653 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $425,000.00 1999 $475,000.00 1004/70 02/09/2005 Negative Amortization $340,000.00 4.986% Monthly XX/XX/XXXX 05/15/2005 04/15/2035 360 360 No $1,173.41 Yes 05/15/2005 05/15/2018 05/15/2006 05/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.836% 3.150% 6.964% 1.836% 0.000% 0.000% 6.964% 1.836% 11.950% 3.150% 11.950% 3.150% No       Yes 125.000% Percent 5.000% 15   $58.67 HUD 03/31/2005 From Borrower $89,823.50   N/A No Escrows $0.00 No                   5.142%   $357,040.79 $332,954.16 XX/XX/XXXX   N/A N/A       N/A 04/04/2005 03/09/2005 03/09/2005       No N/A Pass Fail ($139.35) $6,594.00 $26,613.03 N/A 8.000% N/A N/A N/A $6,594.00 $19,959.77 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/31/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: TIL itemization disclosed prepaid finance charges of $7,045.84. The calculated prepaid finance charge is $7,183.04. The TIL itemization only provides a lump sum prepaid finance charge. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398660 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI No Doc   World Savings Bank, FSB , a Federal Savings Bank 90.000% 90.000% 1 In Arrears 06/09/2006     789 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX MD XXXXXXX XXXXXXX   1995 $582,000.00 1004/70 06/15/2006 Negative Amortization $523,800.00 7.640% Monthly XX/XX/XXXX 09/01/2006 08/01/2036 360 360 No $2,531.00 Yes 09/01/2006 05/01/2018 09/01/2007 09/01/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.940% 3.850% 4.610% 3.790% 0.000% 0.000% 4.610% 3.790% 12.250% 3.850% 12.250% 3.850% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $126.55 HUD 07/17/2006 From Borrower $14,289.85   Yes Taxes and Insurance $2,888.28 No                   7.657%   $913,158.25 $521,058.76 XX/XX/XXXX   N/A N/A   H-9 07/12/2006 N/A 07/17/2006 06/21/2006 06/21/2006       Yes No Pass Fail ($31,746.84) $1,035.00 $41,689.63 Pass 8.000% Pass No N/A $1,035.00 $36,478.42 Pass 7.000% Pass No N/A N/A N/A N/A Yes Final HUD1 07/12/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing          
203398662 XXXXXXX XXXXXXX Broker Refinance Cash-out - Home Improvement Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 73.421% 73.421% 1 In Arrears 05/21/2005 30.688%   642 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1978 $475,000.00 1004/70 04/23/2005 Negative Amortization $348,750.00 5.920% Monthly XX/XX/XXXX 08/15/2005 07/15/2035 360 360 No $1,280.34 Yes 08/15/2005 05/15/2018 08/15/2006 08/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 2.700% 3.400% 6.030% 2.520% 0.000% 0.000% 6.030% 2.520% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $64.02 HUD   To Borrower $38,101.02 $158,018.49 No No Escrows $0.00 No                   5.958%   $459,478.20 $345,815.62 XX/XX/XXXX   N/A N/A   H-8 06/21/2005 N/A 06/25/2005           Yes No Pass Fail ($30,680.69) $8,883.50 $27,107.87 Pass 8.000% Pass No N/A $8,883.50 $20,330.90 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 06/28/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Approval indicates the lender Index used was 2.19%. The closest Index available in our look-back period is 2.7%. ***TIL APR Tolerance Irregular Transaction: Approval indicates the lender Index used was 2.19%. The closest Index available in our look-back period is 2.7%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398674 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI Stated   World Savings Bank, FSB 65.812% 65.812% 1 In Arrears 04/11/2006 40.231%   598 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1991 $585,000.00 1004/70 05/04/2006 Negative Amortization $385,000.00 6.460% Monthly XX/XX/XXXX 07/15/2006 06/15/2036 360 360 No $1,413.43 Yes 07/15/2006 05/15/2018 07/15/2007 07/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 2.900% 5.490% 3.560% 0.000% 0.000% 5.490% 3.560% 11.950% 2.900% 11.950% 2.900% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $70.67 HUD 05/17/2006 To Borrower $31,484.05 $31,484.05 Yes No Escrows $0.00 No                   6.476%   $588,940.25 $382,135.16 XX/XX/XXXX   N/A N/A   H-9 05/11/2006 N/A 05/16/2006 04/18/2006 04/18/2006       Yes No Pass Fail ($15,655.12) $605.50 $30,588.02 Pass 8.000% Pass No N/A $605.50 $22,941.01 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/10/2006     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure ***Missing Initial Loan Application Test          
203398694 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 75.000% 75.000% 1 In Arrears 02/28/2005 45.303%   769 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2000 $480,000.00 2055 w/ Interior 03/02/2005 Negative Amortization $360,000.00 5.343% Monthly XX/XX/XXXX 05/01/2005 04/01/2035 360 360 No $1,321.65 Yes 05/11/2005 05/11/2018 06/11/2005 06/11/2018 1 12 CODI 30 days 0.001 None 1.836% 3.650% 6.607% 1.693% 0.000% 0.000% 6.607% 1.693% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $66.08 HUD 03/23/2005 To Borrower $25,784.65 $25,784.65 No No Escrows ($242.03) No                   5.464%   $406,296.24 $354,227.70 XX/XX/XXXX   N/A N/A   H-8 03/18/2005 N/A 03/23/2005 02/09/2005 02/09/2005       Yes No Pass Fail ($4,687.91) $5,577.00 $28,315.89 Pass 8.000% Pass No N/A $12,777.00 $21,236.92 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/24/2005     2 ***Missing Document: Missing Final 1003         ***Final TIL Finance Charge Under Disclosed: The loan approval indicates the lender used an index value of 1.693%, the lowest index available in the lookback period is 1.8358%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398715 XXXXXXX XXXXXXX Retail Refinance Rate/Term Primary Conventional without MI UTD XXXXXX Wells Fargo Bank, N.A.     1 In Arrears 03/05/2013       Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX       No Value Provided   Fixed Rate $340,416.00 4.250% Monthly XX/XX/XXXX 06/01/2013 05/01/2043 360 360 No $1,674.64 No                                             N/A       No   Percent 5.000% 15   $83.73 HUD 04/10/2013 From Borrower $9.78   No Taxes and Insurance $1,104.84 No                   4.250%   $263,288.20 $339,583.56 XX/XX/XXXX Yes N/A N/A Yes H-8 04/05/2013 N/A 04/10/2013 04/05/2013 04/05/2013       Yes No Pass Pass $83.83 $0.00 $27,173.40 Pass 8.000% Pass No N/A $0.00 $20,380.05 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/05/2013     2           ***SAFE Act - NMLS Info Not in File ***RESPA Servicing Disclosure: Servicing Disclosure Statement Missing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***RESPA (2010) - Initial Payment on GFE Inaccurate ***RESPA (2010) - Loan Amount on Final GFE Inaccurate ***RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days ***FACTA Disclosure Missing ***Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.          
203398737 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.427% 74.427% 1 In Arrears 10/29/2005 34.541%   625 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1960 $655,000.00 1004/70 10/07/2005 Negative Amortization $487,500.00 6.220% Monthly XX/XX/XXXX 01/15/2006 12/15/2035 360 360 No $1,851.05 Yes 01/15/2006 05/15/2018 01/15/2007 01/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.140% 3.250% 5.730% 2.970% 0.000% 0.000% 5.730% 2.970% 11.950% 3.250% 11.950% 3.250% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $92.55 HUD 11/29/2005 To Borrower $80,693.73 $184,035.58 No No Escrows $0.00 No                   6.325%   $686,925.23 $481,320.67 XX/XX/XXXX   N/A N/A   H-8 11/21/2005 N/A 11/26/2005           Yes No Pass Fail ($33,846.66) $6,094.25 $38,399.47 Pass 8.000% Pass No N/A $10,969.25 $28,799.60 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/29/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:         ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.97%. The lowest Index available within the look-back period is 3.14%. ***CHARM Booklet Disclosure Status ***ARM Disclosure Status ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398755 XXXXXXX XXXXXXX Broker Purchase   Primary Conventional without MI No Doc   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 04/25/2004     629 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX $530,750.00 2004 $530,750.00 1004/70 05/20/2004 Negative Amortization $424,600.00 4.585% Monthly XX/XX/XXXX 07/15/2004 06/15/2034 360 360 No $1,558.81 Yes 07/15/2004 05/15/2018 07/15/2005 07/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.085% 3.500% 7.365% 1.085% 0.000% 0.000% 7.365% 1.085% 11.950% 3.500% 11.950% 3.500% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $77.94 HUD 05/26/2004 From Borrower $96,962.22   N/A No Escrows $0.00 No                   4.616%   $381,641.80 $421,826.86 XX/XX/XXXX   N/A N/A       N/A 05/29/2004           No N/A Pass Pass $503.04 $1,576.00 $33,756.57 N/A 8.000% N/A N/A N/A $7,945.00 $25,317.43 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes HUD1, not signed or stamped 05/26/2004     3           ***Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing ***CHARM Booklet Disclosure Status ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test ***(Doc Error) Initial GFE not provided          
203398763 XXXXXXX XXXXXXX Retail Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 75.000% 75.000% 1 In Arrears 01/23/2006 46.106%   661 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   2002 $1,000,000.00 1004/70 02/27/2006 Negative Amortization $750,000.00 6.090% Monthly XX/XX/XXXX 05/15/2006 04/15/2036 360 360 No $2,924.57 Yes 05/15/2006 05/15/2018 05/15/2007 05/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 2.850% 5.860% 3.240% 0.000% 0.000% 5.860% 3.240% 11.950% 2.850% 11.950% 2.850% No       Yes 125.000% Percent 5.000% 15   $146.23 HUD   To Borrower $21,408.97 $21,408.97 Yes No Escrows $0.00 No                   6.148%   $1,005,168.22 $741,213.44 XX/XX/XXXX   N/A N/A   H-8 03/15/2006 N/A 03/20/2006           Yes No Pass Fail ($60,064.57) $5,030.50 $59,337.26 Pass 8.000% Pass No N/A $5,030.50 $44,502.95 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 03/21/2006     2           ***Final TIL Finance Charge Under Disclosed: Based on the loan approval/commitment contained in the loan file, the lender utilized an index value that is not available within the lookback period ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application          
203398765 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 80.000% 80.000% 1 In Arrears 04/13/2007 46.998%   678 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1997 $750,000.00 1004/70 04/23/2007 Negative Amortization $600,000.00 7.920% Biweekly XX/XX/XXXX 06/18/2007 06/04/2037 360 360 No $964.92 Yes 07/02/2007 05/02/2018 06/16/2008 06/16/2018 1 12 GDW-COSI 30 days 0.000 None   3.000% 4.030% 4.920% 0.000% 0.000% 4.030% 4.920% 11.950% 3.000% 11.950% 3.000% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $28.95 HUD   To Borrower $83,665.47 $140,391.47 No No Escrows $0.00 No                   7.934%   $943,715.84 $596,512.00 XX/XX/XXXX   N/A N/A   H-8 05/10/2007 N/A 05/15/2007           Yes No Pass Fail ($110,128.70) $2,027.00 $47,628.96 Pass 8.000% Pass No N/A $19,975.25 $30,000.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 05/10/2007     2           ***ARM Disclosure Prior to Closing Timing ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398767 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank 75.000% 80.000% 1 In Arrears 12/22/2003 39.111%   663 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1897 $450,000.00 1004/70 12/08/2003 Negative Amortization $337,500.00 4.571% Monthly XX/XX/XXXX 03/15/2004 02/15/2034 360 360 No $1,239.05 Yes 03/15/2004 05/15/2018 03/15/2005 03/15/2019 1 12 CODI Most recent index available 0.001 Up 1.151% 3.400% 7.379% 1.171% 0.000% 0.000% 7.379% 1.171% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $61.95 HUD   To Borrower $142,366.74 $240,839.10 No Taxes $1,513.09 No                   4.675%   $305,017.79 $332,368.37 XX/XX/XXXX   N/A N/A   H-8 01/22/2004 N/A 01/27/2004 12/03/2003 12/03/2003       Yes No Pass Pass $2,190.33 $4,074.50 $26,609.78 Pass 8.000% Pass No N/A $7,449.50 $19,957.34 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/28/2004     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398769 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 04/11/2005 33.878%   696 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1952 $545,000.00 1004/70 04/20/2005 Negative Amortization $436,000.00 5.646% Biweekly XX/XX/XXXX 06/13/2005 05/30/2035 360 360 No $861.37 Yes 06/27/2005 05/27/2018 06/12/2006 06/12/2018 1 12 CODI Most recent index available 0.001 Nearest 2.163% 3.650% 6.304% 1.996% 0.000% 0.000% 6.304% 1.996% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $43.07 HUD 05/12/2005 To Borrower $2,158.29 $2,158.29 No Taxes and Insurance ($10.00) No                   5.666%   $412,828.90 $433,721.40 XX/XX/XXXX   N/A N/A   H-8 05/04/2005 N/A 05/09/2005 04/06/2005 04/06/2005       Yes No Pass Fail ($45,205.27) $905.00 $34,710.21 Pass 8.000% Pass No N/A $9,625.00 $26,032.65 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/12/2005     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $412828.9 is underdisclosed from calculated Finance Charge of $465304.78 in the amount of $-52475.88. Approval indicates the index used was 1.996%. The lowest index available within the look-back period is 2.1633%. Truth In Lending Act: Final TIL APR of 5.666% is underdisclosed from calculated APR of 6.02% in the amount of -0.354%. Approval indicates the index used was 1.996%. The lowest index available within the look-back period is 2.1633%. ***Missing Initial Loan Application Test          
203398785 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 74.589% 74.589% 1 In Arrears 01/15/2007     673 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1998 $1,035,000.00 1004/70 01/18/2007 Negative Amortization $772,000.00 7.450% Biweekly XX/XX/XXXX 03/05/2007 02/19/2037 360 360 No $1,332.17 Yes 03/19/2007 05/19/2018 03/03/2008 03/03/2019 1 12 GDW-COSI Most recent index available 0.000 None 4.730% 2.800% 4.500% 4.650% 0.000% 0.000% 4.500% 4.650% 11.950% 2.800% 11.950% 2.800% No   36 2% Yes 125.000% Percent 5.000% 15   $66.61 HUD 02/05/2007 From Borrower $34,089.57   No No Escrows $0.00 No                   7.476%   $1,179,237.03 $759,552.03 XX/XX/XXXX   N/A N/A   H-8 01/29/2007 N/A 02/02/2007           Yes No Pass Fail ($190,681.06) $1,695.12 $61,482.00 Pass 8.000% Pass No N/A $1,695.12 $46,111.50 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 01/26/2007     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $1179237.03 is underdisclosed from calculated Finance Charge of $1208742.32 in the amount of $-29505.29. Approval indicates the index used was 4.65%. The lowest index available within the look-back period is 4.73%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398786 XXXXXXX XXXXXXX Retail Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 73.333% 73.333% 1 In Arrears 01/20/2006 36.031%   686 Fee Simple XXXXXX XXXXXX   XXXXXX                     PUD 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1978 $900,000.00 1004/70 01/31/2006 Negative Amortization $660,000.00 6.390% Monthly XX/XX/XXXX 04/15/2006 03/15/2036 360 360 No $2,573.62 Yes 04/15/2006 05/15/2018 04/15/2007 04/15/2019 1 12 GDW-COSI Most recent index available 0.000 None 3.460% 3.150% 5.560% 3.240% 0.000% 0.000% 5.560% 3.240% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $128.68 HUD 02/27/2006 To Borrower $99,195.69 $107,421.33 Yes No Escrows $0.00 No                   6.409%   $954,060.81 $656,651.20 XX/XX/XXXX   N/A N/A   H-9 02/22/2006 N/A 02/27/2006 02/03/2006         Yes No Pass Fail ($57,541.15) $1,033.00 $52,569.45 Pass 8.000% Pass No N/A $1,033.00 $39,427.09 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 02/27/2006     2           ***Final TIL Finance Charge Under Disclosed: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 3.46%, approval states index is 3.24% ***Federal FACTA Disclosure Timing Test          
203398809 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Investment Conventional without MI UTD   World Savings Bank, FSB 70.000% 70.000% 1 In Arrears 09/26/2007 31.683%   775 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1970 $350,000.00 1073/465 09/21/2007 Negative Amortization $245,000.00 8.150% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,000.20 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI Most recent index available 0.000 None 4.900% 3.300% 4.100% 4.850% 0.000% 0.000% 4.100% 4.850% 12.250% 3.300% 12.250% 3.300% No   36 2%, 2%, 2% Yes 125.000% Percent 6.000% 15   $60.01 HUD 11/02/2007 To Borrower $114,608.43 $114,608.43 No No Escrows $0.00 No                           XX/XX/XXXX   N/A N/A       N/A 10/31/2007           No N/A     $0.00 $1,220.26 $19,441.10 N/A 8.000% N/A N/A N/A $1,220.26 $14,580.82 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 11/02/2007     2           ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398814 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 72.857% 72.857% 1 In Arrears 03/24/2006 40.000%   643 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX MA XXXXXXX XXXXXXX   1900 $350,000.00 1025/72 04/06/2006 Negative Amortization $255,000.00 6.860% Biweekly XX/XX/XXXX 05/29/2006 05/15/2036 361 361 No $510.44 Yes 06/12/2006 05/12/2018 05/28/2007 05/28/2018 1 12 GDW-COSI Most recent index available 0.000 None 3.660% 3.400% 5.090% 3.460% 0.000% 0.000% 5.090% 3.460% 11.950% 3.400% 11.950% 3.400% No   36 2%, 2%, 2% Yes 125.000% Percent 3.000% 15   $15.31 HUD 04/26/2006 To Borrower $41,579.23 $41,579.23 N/A No Escrows $0.00 No                   6.945%   $318,802.74 $251,971.53 XX/XX/XXXX   N/A N/A   H-8 04/21/2006 N/A 04/28/2006           Yes No Pass Fail ($52,926.81) $2,566.45 $20,121.63 Pass 8.000% Pass No N/A $8,743.95 $12,750.00 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 04/21/2006     2           ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $318802.74 is underdisclosed from calculated Finance Charge of $333630.44 in the amount of $-14827.7. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. Truth In Lending Act: Final TIL APR of 6.945% is underdisclosed from calculated APR of 7.156% in the amount of -0.211%. Approval indicates the index used was 3.46%. The lowest index available within the look-back period is 3.66%. ***TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date ***TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date ***Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398817 XXXXXXX XXXXXXX Broker Refinance Rate/Term Primary Conventional without MI Stated   World Savings Bank, FSB 78.857% 78.857% 1 In Arrears 03/29/2005 32.782%   735 Fee Simple XXXXXX XXXXXX   XXXXXX                     Condo (Low Rise) 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1972 $350,000.00 2055 w/ Interior 04/01/2005 Negative Amortization $276,000.00 5.536% Monthly XX/XX/XXXX 05/15/2005 04/15/2035 360 360 No $952.54 Yes 05/15/2005 05/15/2018 05/15/2006 05/15/2018 1 12 CODI Most recent index available 0.001 Nearest 1.996% 3.700% 6.414% 1.836% 0.000% 0.000% 6.414% 1.836% 11.950% 3.700% 11.950% 3.700% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.63 HUD 04/14/2005 To Borrower $1,131.28 $1,131.28 No Taxes $267.58 No                   5.649%   $338,439.83 $272,129.00 XX/XX/XXXX   N/A N/A   H-8 04/10/2005 N/A 04/14/2005           Yes No Pass Fail ($16,009.32) $3,921.00 $21,762.97 Pass 8.000% Pass No N/A $9,441.00 $16,322.22 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 04/14/2005     2 ***Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Prior to Closing Timing ***Final TIL Finance Charge Under Disclosed: The approval indicates the Index used was 1.836%. The closest Index available within the look back period is 1.99583%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398831 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI Full   World Savings Bank, FSB 80.000% 80.000% 1 In Arrears 09/30/2007 50.134%   626 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX VA XXXXXXX XXXXXXX   1997 $415,000.00 1004/70 10/05/2007 Negative Amortization $332,000.00 8.030% Monthly XX/XX/XXXX 12/15/2007 11/15/2037 360 360 No $1,260.61 Yes 12/15/2007 05/15/2018 12/15/2008 12/15/2018 1 12 W-COSI 60 days 0.000 None 4.900% 3.150% 3.920% 4.880% 0.000% 0.000% 3.920% 4.880% 11.950% 3.150% 11.950% 3.150% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $63.03 HUD 11/05/2007 To Borrower $2,172.85 $2,172.85 No Taxes and Insurance $327.93 No                   8.170%   $716,233.80 $325,850.87 XX/XX/XXXX   N/A N/A   H-8 10/30/2007 N/A 11/03/2007 10/24/2007 10/24/2007       Yes No Pass Fail ($1,601.03) $5,476.73 $26,063.42 Pass 8.000% Pass No N/A $0.00 $23,240.00 N/A 5.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 10/29/2007     2           ***Final TIL Finance Charge Under Disclosed: The loan approval indicates the lender used an index value of 3.06%, the lowest index available in the lookback period is 3.24%. ***ARM Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398867 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Stated   World Savings Bank, FSB, a Federal Savings Bank, Its Successors and/or Assignees 54.225% 54.225% 1 In Arrears 12/25/2006 40.105%   580 Fee Simple XXXXXX XXXXXX   XXXXXX                     2 Family 2 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1920 $710,000.00 1025/72 01/08/2007 Negative Amortization $385,000.00 7.703% Monthly XX/XX/XXXX 03/15/2007 02/15/2037 360 360 No $1,423.04 Yes 03/15/2007 05/15/2018 04/15/2007 04/15/2019 1 12 CODI Most recent index available 0.001 Nearest 5.153% 2.550% 4.247% 5.153% 0.000% 0.000% 4.247% 5.153% 11.950% 2.550% 11.950% 2.550% No   36 2% Yes 125.000% Percent 5.000% 15   $71.15 HUD 01/30/2007 To Borrower $127,502.03 $127,627.75 Yes No Escrows $0.00 No                   7.909%   $808,622.20 $374,283.75 XX/XX/XXXX   N/A N/A   H-9 01/25/2007 N/A 01/30/2007           Yes No Pass Pass $265.39 $9,197.50 $29,960.20 Pass 8.000% Pass No N/A $9,197.50 $22,470.15 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/25/2007     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***CHARM Booklet Disclosure Prior to Closing Timing ***Missing Initial Loan Application Test          
203398884 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI NINA   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 76.471% 76.471% 1 In Arrears 08/31/2006     612 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX UT XXXXXXX XXXXXXX   1998 $255,000.00 1004/70 09/05/2006 Negative Amortization $195,000.00 6.910% Monthly XX/XX/XXXX 11/15/2006 10/15/2036 360 360 No $720.76 Yes 11/15/2006 05/15/2018 11/15/2007 11/15/2018 1 12 GDW-COSI Most recent index available 0.000 None 4.490% 2.800% 5.040% 4.110% 0.000% 0.000% 5.040% 4.110% 11.950% 2.800% 11.950% 2.800% No       Yes 125.000% Percent 5.000% 15   $36.04 HUD 09/29/2006 To Borrower $13,672.32 $42,474.78 No Taxes and Insurance $1,358.96 No                   6.993%   $336,096.00 $192,440.62 XX/XX/XXXX   N/A N/A   H-8 05/25/2006 N/A 09/29/2006           Yes No Pass Fail ($34,033.33) $1,868.66 $15,403.24 Pass 8.000% Pass No N/A $1,868.66 $15,403.24 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 09/25/2006     2           ***Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2%. The closest Index available in our look-back period is 4.49% ***TIL APR Tolerance Irregular Transaction: Closing instructions indicate the Index used was 2%. The closest Index available in our look-back period is 4.49% ***CHARM Booklet Disclosure Status ***ARM Disclosure Timing          
203398909 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 66.389% 66.389% 1 In Arrears 11/01/2005 32.678%   578 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1976 $360,000.00 1004/70 11/15/2005 Negative Amortization $239,000.00 6.460% Monthly XX/XX/XXXX 02/01/2006 01/01/2036 360 360 No $853.42 Yes 02/01/2006 05/01/2018 02/01/2007 02/01/2019 1 12 GDW-COSI Most recent index available 0.000 None   3.400% 5.490% 3.060% 0.000% 0.000% 5.490% 3.060% 11.950% 3.400% 11.950% 3.400% No   36 2% Yes 125.000% Percent 5.000% 15   $42.67 HUD   To Borrower $84,374.17 $139,848.49 No No Escrows $0.00 No                   6.641%   $375,829.82 $232,620.20 XX/XX/XXXX   N/A N/A   H-8 12/01/2005 N/A 12/06/2005           Yes No Pass Fail ($17,931.60) $5,006.85 $18,631.46 Pass 8.000% Pass No N/A $9,786.85 $13,973.60 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 12/07/2005     2 ***Missing Document: Missing Final 1003         ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***Final TIL Finance Charge Under Disclosed: Approval indicates the lender Index used was 3.06%. The closest Index available in our look-back period is 3.24%. ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398946 XXXXXXX XXXXXXX Broker Refinance Cash-out - Debt Consolidation Primary Conventional without MI Full   World Savings Bank, FSB, a Federal Savings Bank,, Its Successors and/or Assignees 72.000% 72.000% 1 In Arrears 04/18/2005 47.318%   523 Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1945 $360,000.00 2055 w/ Interior 05/03/2005 Negative Amortization $259,200.00 5.646% Monthly XX/XX/XXXX 07/15/2005 06/15/2035 360 360 No $951.59 Yes 07/15/2005 05/15/2018 07/15/2006 07/15/2018 1 12 CODI Most recent index available 0.000 None 2.163% 3.650% 6.304% 1.996% 0.000% 0.000% 6.304% 1.996% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $47.58 HUD 05/24/2005 To Borrower $22,623.79 $40,590.27 No Taxes and Insurance $307.28 No                   5.696%   $316,757.60 $256,616.72 XX/XX/XXXX   N/A N/A   H-8 05/18/2005 N/A 05/23/2005           Yes No Pass Fail ($14,718.57) $1,322.35 $20,556.44 Pass 8.000% Pass No N/A $6,506.35 $15,417.33 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 05/24/2005     2           ***Final TIL Finance Charge Under Disclosed: An approval states that the lender used an index of 1.996%; the closest index in the look-back period is 2.16333% ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test          
203398959 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB 62.000% 62.000% 1 In Arrears 12/10/2004       Fee Simple XXXXXX XXXXXX   XXXXXX   XXXXXX XXXXXX   XXXXXX           PUD 1 XXXXXXX XXXXXXX PA XXXXXXX XXXXXXX   1992 $500,000.00 2055 w/ Interior 12/16/2004 Negative Amortization $310,000.00 5.450% Biweekly XX/XX/XXXX 01/31/2005 01/17/2035 360 360 No $534.94 Yes 02/14/2005 05/14/2018 02/14/2006 02/14/2019 1 12 GDW-COSI Most recent index available 0.000 None 2.080% 3.450% 6.500% 2.000% 0.000% 0.000% 6.500% 2.000% 11.950% 3.450% 11.950% 3.450% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $26.75 HUD 12/31/2004 To Borrower $46,695.99 $46,695.99 Yes No Escrows $0.00 No                   5.472%   $299,377.07 $308,450.53 XX/XX/XXXX   N/A N/A   H-9 12/27/2004 N/A 12/31/2004           Yes No Pass Fail ($28,496.00) $960.50 $24,660.20 Pass 8.000% Pass No N/A $960.50 $24,660.20 N/A 8.000% N/A N/A N/A N/A N/A N/A Yes Final HUD1 12/27/2004     2 ***Missing Document: Missing Final 1003         ***Miscellaneous Compliance: Non-Material Compliance Exception:: Truth In Lending Act: Final TIL Finance Charge of $299377.07 is underdisclosed from calculated Finance Charge of $305559.35 in the amount of $-6182.28. Approval indicates the index used was 2%. The lowest index available within the look-back period is 2.08%. ***CHARM Booklet Disclosure Timing ***ARM Disclosure Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test ***Federal FACTA Disclosure Timing Test          
203398974 XXXXXXX XXXXXXX Broker Refinance Cash-out - Other Primary Conventional without MI UTD   World Savings Bank, FSB, a Federal Savings Bank 80.000% 80.000% 1 In Arrears 12/30/2003 38.000%   680 Fee Simple XXXXXX XXXXXX   XXXXXX                     Single Family Detached 1 XXXXXXX XXXXXXX CA XXXXXXX XXXXXXX   1917 $290,000.00 2055 w/ Interior 11/07/2003 Negative Amortization $232,000.00 4.821% Monthly XX/XX/XXXX 03/15/2004 02/15/2034 360 360 No $851.73 Yes 03/15/2004 05/15/2018 03/15/2005 03/15/2019 1 12 CODI Most recent index available 0.001 Nearest 1.151% 3.650% 7.129% 1.171% 0.000% 0.000% 7.129% 1.171% 11.950% 3.650% 11.950% 3.650% No   36 2%, 2%, 2% Yes 125.000% Percent 5.000% 15   $42.59 HUD 01/27/2004 To Borrower $77,719.55 $77,719.55 No No Escrows $0.00 No                   4.849%   $223,492.25 $230,451.64 XX/XX/XXXX   N/A N/A   H-8 01/20/2004 N/A 01/24/2004           Yes No Pass Pass $1,371.69 $925.60 $18,437.24 Pass 8.000% Pass No N/A $5,565.60 $13,827.93 Pass 8.000% Pass No N/A N/A N/A N/A Yes Final HUD1 01/20/2004     2 ***Missing Document: Missing Final 1003         ***ARM Disclosure Prior to Closing Timing ***RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application ***Missing Initial Loan Application Test