EXHIBIT 1.2

                                     RESIDENTIAL ASSET SECURITIES CORPORATION

                        Mortgage Asset-Backed Pass-Through Certificates, Series [Deal Name]


        Initial Principal Amount                         Class                      Initial Pass-Through Rate
                 $[____]                         Class A-1 Certificates                      [____]%
                 $[____]                         Class A-2 Certificates                      [____]%
                 $[____]                         Class A-3 Certificates                      [____]%
                 $[____]                          Class R Certificates                       [____]%


                                      UNDERWRITING AGREEMENT (NON-ITERATIVE)

                                            [___________] [__], 20[__]

[Underwriter]

Ladies and Gentlemen:

         Residential  Asset Securities  Corporation,  a Delaware  corporation (the "Company"),  proposes to sell to
you (also referred to herein as the "Underwriter") Mortgage Asset-Backed  Pass-Through  Certificates,  Series [Deal
Name], Class A-1, Class A-2, Class A-3, and Class R Certificates (collectively,  the "Certificates"),  other than a
de minimis portion of the Class R Certificates,  having the aggregate  principal amounts and Pass-Through Rates set
forth above.  The  Certificates,  together with the Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class
B-3  Certificates of the same series,  will evidence the entire  beneficial  interest in the Trust Fund (as defined
in the  Pooling  and  Servicing  Agreement  referred  to below),  consisting  primarily  of a pool (the  "Pool") of
conventional,  fixed-rate,  one- to four-family  residential  first lien mortgage  loans (the "Mortgage  Loans") as
described in the Prospectus  Supplement (as  hereinafter  defined) to be sold by the Company.  A de minimis portion
of the  Class R  Certificates  will not be sold  hereunder  and  will be held by  Residential  Funding  Corporation
("Residential Funding").

         The  Certificates  will be issued  pursuant to a pooling and servicing  agreement,  dated as of [________]
[__],  200[__] (the "Pooling and Servicing  Agreement"),  among the Company,  as seller,  Residential  Funding,  as
master  servicer,  and [_________],  as trustee (the  "Trustee").  The Certificates are described more fully in the
Base Prospectus and the Prospectus  Supplement  (each as hereinafter  defined),  which the Company has furnished to
you.

1.       Representations, Warranties and Covenants.

1.1      The Company represents and warrants to, and agrees with you that:

(a)      The Company has filed with the  Securities  and Exchange  Commission  (the  "Commission")  a  registration
         statement  (No.  333-[_______])  on Form S-3 for the  registration  under the  Securities  Act of 1933, as
         amended (the "Act"), of Mortgage Asset-Backed  Pass-Through  Certificates (issuable in series),  including
         the Certificates,  which registration  statement has become effective,  and a copy of which, as amended to
         the date hereof,  has heretofore  been delivered to you. The Company  proposes to file with the Commission
         pursuant to Rule 424(b) under the rules and  regulations  of the  Commission  under the Act (the "1933 Act
         Regulations") a prospectus  supplement (the "Prospectus  Supplement"),  to the prospectus dated [________]
         [__],  200[__]  (the "Base  Prospectus"),  relating  to the  Certificates  and the method of  distribution
         thereof.   Such  registration   statement  (No.   333-[________])   including  exhibits  thereto  and  any
         information  incorporated  therein by reference,  as amended at the date hereof, is hereinafter called the
         "Registration  Statement";  and the Base  Prospectus  and the Prospectus  Supplement  and any  information
         incorporated  therein by reference,  together with any amendment thereof or supplement  thereto authorized
         by the  Company  on or prior to the  Closing  Date (as  defined  herein)  for use in  connection  with the
         offering of the  Certificates,  are  hereinafter  called the  "Prospectus."  Any  preliminary  form of the
         Prospectus  Supplement  to be filed  pursuant to Rule 424(b) is referred to as a  "Preliminary  Prospectus
         Supplement" and,  together with the Base  Prospectus,  and as amended or supplemented if the Company shall
         have furnished any amendments or supplements thereto, a "Preliminary Prospectus."

(b)      The Registration  Statement has become effective,  and the Registration Statement as of the effective date
         (the  "Effective  Date,"  as  defined  in this  paragraph),  and  the  Prospectus,  as of the  date of the
         Prospectus Supplement,  complied in all material respects with the applicable  requirements of the Act and
         the 1933 Act Regulations;  and the Registration  Statement,  as of the Effective Date, did not contain any
         untrue  statement  of a material  fact and did not omit to state any material  fact  required to be stated
         therein or  necessary  to make the  statements  therein  not  misleading;  and each  Issuer  Free  Writing
         Prospectus  (as defined  herein) as of its date did not, and the Approved  Offering  Materials (as defined
         herein) as of the date of the  Approved  Offering  Materials  did not and as of the Closing Date will not,
         and the  Prospectus,  as of the date of the Prospectus  Supplement did not and as of the Closing Date will
         not,  contain an untrue  statement  of a  material  fact and did not and will not omit to state a material
         fact  necessary in order to make the statements  therein,  in the light of the  circumstances  under which
         they were made,  not  misleading;  provided,  however,  that neither the Company nor  Residential  Funding
         makes  any  representations  or  warranties  as to  the  information  contained  in or  omitted  from  the
         Registration  Statement,  the Approved  Offering  Materials or the Prospectus or any amendment  thereof or
         supplement thereto relating to the information  therein that is Excluded  Information (as defined herein);
         and provided,  further,  that neither the Company nor  Residential  Funding makes any  representations  or
         warranties as to either (i) any information  contained in any Underwriter  Prepared Issuer FWP (as defined
         herein) or Underwriter Free Writing  Prospectus (as defined herein) except,  in each case to the extent of
         (x) any  information  set forth therein that  constitutes  Pool  Information (as defined below) or (y) any
         information  accurately  extracted from the Preliminary  Prospectus  Supplement or any Issuer Free Writing
         Prospectus and included in any Underwriter  Prepared  Issuer FWP, or (ii) any information  contained in or
         omitted from the portions of the Approved  Offering  Materials or Prospectus  identified by underlining or
         other  highlighting as shown in Exhibit F (the "Underwriter  Information").  The Effective Date shall mean
         the  earlier  of the date on which  the  Prospectus  Supplement  is first  used and the time of the  first
         Contract of Sale (as defined herein) to which such Prospectus  Supplement  relates.  The initial effective
         date of the  Registration  Statement was within three years of the Closing Date. If the third  anniversary
         of the initial  effective  date occurs within six months after the Closing Date, the Company will use best
         efforts to take such action as may be necessary or appropriate  to permit the public  offering and sale of
         the Certificates as contemplated  hereunder.  The Company  acknowledges  that the Underwriter  Information
         constitutes  the only  information  furnished  in writing by you or on your  behalf for use in  connection
         with the preparation of the  Registration  Statement,  any Preliminary  Prospectus or the Prospectus,  and
         the Underwriter confirms that the Underwriter Information is correct.

(c)      (i) "ABS  Informational and  Computational  Materials" shall have the meaning given such term in Item 1101
         of Regulation AB.

         (ii)     "Approved Offering Materials" means the Preliminary Prospectus.

         (iii)    "Contract  of Sale"  has the same  meaning  as in Rule  159 of the 1933 Act  Regulations  and all
                  Commission guidance relating to Rule 159.

         (iv)     "Excluded  Information" shall mean, with respect to (x) each of the Registration  Statement,  the
                  Approved  Offering  Materials and the Prospectus,  the  information  identified by underlining or
                  other  highlighting as shown on Exhibit E, and (y) each Underwriter  Prepared Issuer FWP and each
                  Underwriter Free Writing Prospectus,  all information  contained therein which is restated in, or
                  is corrected and superseded by, the Approved Offering Materials.

         (v)      "Free Writing Prospectus" shall have the meaning given such term in Rules 405 and 433 of the 1933
                  Act Regulations.

         (vi)     "Issuer Free Writing  Prospectus" shall mean any Free Writing Prospectus prepared by or on behalf
                  of the Company and identified by the Company as an Issuer Free Writing Prospectus and relating to
                  the Certificates or the offering thereof.

         (vii)    "Issuer  Information"  shall mean any  information  of the type specified in clauses (1) - (5) of
                  footnote  271 of  Commission  Release  No.  33-8591  (Securities  Offering  Reform),  other  than
                  Underwriter Derived Information.  Consistent with such definition, "Issuer Information" shall not
                  be deemed  to  include  any  information  in a Free  Writing  Prospectus  solely by reason of the
                  Company's  review of the  materials  pursuant  to  Section  4.4(e)  below  and,  consistent  with
                  Securities  Offering Reform Questions and Answers,  November 30, 2005 promulgated by the staff of
                  the  Commission,  "Issuer  Information"  shall not be deemed to include any information in a Free
                  Writing  Prospectus solely by reason that the Underwriter has agreed not to use such Free Writing
                  Prospectus without consent of the Company.

         (viii)   "Permitted  Additional  Materials"  shall  mean  information  that is not ABS  Informational  and
                  Computational  Materials  and (x) that are  referred  to in Section  4.4(c) so long as any Issuer
                  Information  provided by the  Underwriter  pursuant to Section  4.4(c) is limited to  information
                  included  within the  definition  of ABS  Informational  and  Computational  Materials,  (y) that
                  constitute   Certificate  price,  yield,  weighted  average  life,   subscription  or  allocation
                  information,  or a trade  confirmation,  or (z)  otherwise  with respect to which the Company has
                  provided written consent to the Underwriter to include in a Free Writing Prospectus.

         (ix)     "Pool  Information"  means with  respect to any Free Writing  Prospectus,  the  information  with
                  respect to the  characteristics  of the Mortgage Loans and  administrative and servicing fees, as
                  provided by or on behalf of the Company or  Residential  Funding to the  Underwriter  at the time
                  most recent to the date of such Free Writing Prospectus.

         (x)      "Underwriter  Derived Information" shall refer to information of the type described in clause (5)
                  of footnote 271 of Commission Release No. 33-8591  (Securities  Offering Reform) when prepared by
                  the Underwriter,  including  traditional  computational and analytical  materials prepared by the
                  Underwriter.

         (xi)     "Underwriter Free Writing Prospectus" shall mean all Free Writing Prospectuses  prepared by or on
                  behalf of the Underwriter other than any Underwriter Prepared Issuer FWP, including any Permitted
                  Additional Materials.

         (xii)    "Underwriter Prepared Issuer FWP" shall mean any Free Writing Prospectus prepared by or on behalf
                  of the Underwriter that contains any Issuer Information, including any Free Writing Prospectus or
                  portion thereof  prepared by or on behalf of the Underwriter  that contains only a description of
                  the final terms of the Certificates or of the offering of the Certificates.

         (xiii)   "Written  Communication"  shall  have the  meaning  given  such  term in Rule 405 of the 1933 Act
                  Regulations.

(d)      The Company has been duly  incorporated  and is validly  existing as a corporation  in good standing under
         the laws of the State of Delaware  and has the  requisite  corporate  power to own its  properties  and to
         conduct its business as presently conducted by it.

(e)      The  Company was not,  as of any date on or after  which a bona fide offer (as used in Rule  164(h)(2)  of
         the 1933 Act  Regulations)  of the  Certificate is made an Ineligible  Issuer,  as such term is defined in
         Rule 405 of the 1933 Act  Regulations.  The Company shall comply with all applicable  laws and regulations
         in connection  with the use of Free Writing  Prospectuses,  including but not limited to Rules 164 and 433
         of the 1933 Act Regulations and all Commission guidance relating to Free Writing  Prospectuses,  including
         but not limited to Commission Release No. 33-8591.

(f)      This Agreement has been duly authorized, executed and delivered by the Company.

(g)      As of the Closing Date (as defined herein) the Certificates  will conform in all material  respects to the
         description  thereof contained in the Prospectus and the  representations and warranties of the Company in
         the Pooling and Servicing Agreement will be true and correct in all material respects.

1.2      Residential  Funding  represents  and  warrants  to, and agrees with you that as of the  Closing  Date the
representations  and  warranties of  Residential  Funding in the Pooling and Servicing  Agreement  will be true and
correct in all material respects.

1.3      The Underwriter represents and warrants to and agrees with the Company and Residential Funding that:

(a)      No purpose of the  Underwriter  relating to the purchase of the Class R Certificates by the Underwriter is
         or will be to enable the Company to impede the assessment or collection of any tax.

(b)      The  Underwriter has no present  knowledge or expectation  that it will be unable to pay any United States
         taxes owed by it so long as any of the Certificates remain outstanding.

(c)      The  Underwriter  has no present  knowledge or expectation  that it will become  insolvent or subject to a
         bankruptcy proceeding for so long as any of the Certificates remain outstanding.

(d)      No purpose of the  Underwriter  relating to any sale of any of the Class R Certificates by the Underwriter
         will be to enable it to impede the  assessment  or  collection  of tax. In this  regard,  the  Underwriter
         hereby  represents  to and for the benefit of the Company and  Residential  Funding  that the  Underwriter
         intends to pay taxes  associated  with  holding the Class R  Certificates  (other than with respect to the
         portion of each of the Class R Certificates  retained by Residential  Funding),  as they become due, fully
         understanding  that it may incur tax  liabilities  in excess of any cash  flows  generated  by the Class R
         Certificates.

(e)      The Underwriter  will, in connection  with any transfer it makes of the Class R Certificates,  obtain from
         its  transferee  the  affidavit  required  by  Section  5.02(f)(i)(B)(I)  of  the  Pooling  and  Servicing
         Agreement,  will  not  consummate  any such  transfer  if it knows  or  believes  that any  representation
         contained  in such  affidavit  is false and will  provide the  Trustee  with the  Certificate  required by
         Section 5.02(f)(i)(B)(II) of the Pooling and Servicing Agreement.

(f)      The  Underwriter  hereby  certifies  that (i) with  respect  to any  classes  of  Certificates  issued  in
         authorized  denominations  or  Percentage  Interests  of less than a notional  amount of  $2,000,000  or a
         Percentage  Interest of 20% the fair market value of each such  Certificate sold to any person on the date
         of initial sale thereof by the  Underwriter  will not be less than  $100,000 and (ii) with respect to each
         class of  Certificates  to be  maintained  on the  book-entry  records  of The  Depository  Trust  Company
         ("DTC"),  the interest in each such class of  Certificates  sold to any person on the date of initial sale
         thereof by the  Underwriter  will not be less than the minimum  denomination  indicated  for such class of
         Certificates in the Prospectus Supplement.

(g)      The Underwriter will have funds available at  [____________],  in the  Underwriter's  account at such bank
         at the time all  documents  are executed  and the closing of the sale of the  Certificates  is  completed,
         except for the transfer of funds and the delivery of the  Certificates.  Such funds will be available  for
         immediate transfer into the account of Residential Funding maintained at such bank.

(h)      As of the  date  hereof  and as of  the  Closing  Date,  the  Underwriter  has  complied  with  all of its
         obligations  hereunder and all Underwriter  Prepared  Issuer FWP and Underwriter  Information are accurate
         in all material  respects  (taking into account the assumptions  explicitly set forth in such  Underwriter
         Prepared  Issuer FWP,  except for any  Excluded  Information  and to the extent of (x) any errors  therein
         that are caused by errors or omissions in the Pool  Information) or (y) information  accurately  extracted
         from the  Preliminary  Prospectus  Supplement  or any Issuer Free Writing  Prospectus  and included in any
         Underwriter  Prepared  Issuer FWP. The Underwriter  Prepared Issuer FWP delivered to the Company,  if any,
         constitute  a complete  set of all  Underwriter  Prepared  Issuer FWP  furnished  to any  investor  by the
         Underwriter in connection with the offering of any Certificates.

(i)      Prior to the Closing Date, the Underwriter shall notify the Company and Residential Funding of the
         earlier of (x) the date on which the Prospectus Supplement is first used and (y) the time of the first
         Contract of Sale to which such Prospectus Supplement relates.

1.4      The  Underwriter  covenants and agrees to pay directly,  or reimburse the Company or  Residential  Funding
upon  demand for (i) any and all taxes  (including  penalties  and  interest)  owed or  asserted  to be owed by the
Company or  Residential  Funding as a result of a claim by the  Internal  Revenue  Service that the transfer of the
Class R Certificates  to the  Underwriter  hereunder or any transfer  thereof by the Underwriter may be disregarded
for federal tax purposes and (ii) any and all losses,  claims,  damages and liabilities,  including attorney's fees
and expenses,  arising out of any failure of the  Underwriter to make payment or  reimbursement  in connection with
any such assertion as required in (i) above.  In addition,  the Underwriter  acknowledges  that on the Closing Date
immediately  after the transactions  described herein it will be the owner of the Class R Certificates  (other than
a de minimis portion of the Class R Certificates to be held by Residential  Funding) for federal tax purposes,  and
the  Underwriter  covenants that it will not assert in any proceeding that the transfer of the Class R Certificates
from the Company to the Underwriter should be disregarded for any purpose.

2.       Purchase  and Sale.  Subject to the terms and  conditions  and in reliance  upon the  representations  and
warranties  herein set forth,  the Company  agrees to sell to you, and you agree to purchase from the Company,  the
Certificates  (other  than a de minimis  portion of the Class R  Certificates,  which shall be  transferred  by the
Company to  Residential  Funding) at a price equal to [_____]% of the aggregate  certificate  principal  balance of
the  Certificates  as of the Closing Date (as defined  herein).  There will be added to the  purchase  price of the
Certificates  an amount  equal to interest  accrued  thereon  from the  Cut-off  Date up to but not  including  the
Closing Date.  The purchase price for the  Certificates  was agreed to by the Company in reliance upon the transfer
from  the  Company  to the  Underwriter  of the tax  liabilities  associated  with  the  ownership  of the  Class R
Certificates.

3.       Delivery  and  Payment.  Delivery  of and  payment  for the  Certificates  shall be made at the  office of
[Mayer,  Brown,  Rowe ® Maw LLP]  [Orrick,  Herrington  ®  Sutcliffe  LLP] at 10:00  a.m.,  New York City time,  on
[_________]  [__],  200[__] or such  later date as you shall  designate,  which date and time may be  postponed  by
agreement  between you and the  Company  (such date and time of delivery  and  payment for the  Certificates  being
herein called the "Closing  Date").  Delivery of the [Deal Name],  Class A-1, Class A-2 and Class A-3  Certificates
shall be made to you  through  the  Depository  Trust  Company  ("DTC")  (such  Certificates,  the "DTC  Registered
Certificates"),  and  delivery  of the  Class R  Certificates  (the  "Definitive  Certificates")  shall  be made in
registered,  certificated  form, in each case against  payment by you of the purchase  price thereof to or upon the
order of the Company by wire  transfer  in  immediately  available  funds.  The  Definitive  Certificates  shall be
registered  in such names and in such  denominations  as you may request not less than two business days in advance
of the Closing Date. The Company  agrees to have the Definitive  Certificates  available for  inspection,  checking
and packaging by you in New York, New York not later than 9:00 a.m. on the Closing Date.

4.       Offering by Underwriter.

4.1      It is  understood  that you propose to offer the  Certificates  for sale to the public as set forth in the
Prospectus  and you agree that all such  offers and sales by you shall be made in  compliance  with all  applicable
laws and  regulations.  Prior  to the date of the  first  Contract  of Sale  made  based on the  Approved  Offering
Materials,  you have not pledged,  sold,  disposed of or otherwise  transferred any Certificate,  Mortgage Loans or
any interest in any Certificate.

4.2      It is understood that you will solicit offers to purchase the Certificates as follows:

(a)      Prior to the time you have  received the  Approved  Offering  Materials  you may, in  compliance  with the
provisions of this  Agreement,  solicit offers to purchase  Certificates;  provided,  that you shall not accept any
such offer to purchase a Certificate or any interest in any  Certificate  or Mortgage Loan or otherwise  enter into
any Contract of Sale for any  Certificate,  any  interest in any  Certificate  or any  Mortgage  Loan prior to your
conveyance of Approved Offering Materials to the investor.

(b)      any Written  Communication  relating to the  Certificates  made by an Underwriter  in compliance  with the
terms of this Agreement  prior to the time such  Underwriter  has entered into a Contract of Sale for  Certificates
with the recipient shall  prominently set forth the following  statements (or a  substantially  similar  statements
approved by the Company):

                  The information in this free writing prospectus, if conveyed prior to the time
                  of your contractual commitment to purchase any of the Certificates, supersedes
                  any information contained in any prior similar materials relating to the
                  Certificates.  The information in this free writing prospectus is preliminary,
                  and is subject to completion or change.  This free writing prospectus is being
                  delivered to you solely to provide you with information about the offering of
                  the Certificates referred to in this free writing prospectus and to solicit an
                  offer to purchase the Certificates, when, as and if issued.  Any such offer to
                  purchase made by you will not be accepted and will not constitute a
                  contractual commitment by you to purchase any of the Certificates, until we
                  have accepted your offer to purchase Certificates.

                  The Certificates referred to in these materials are being sold when, as and if
                  issued.  The issuer is not obligated to issue such Certificates or any similar
                  security and the underwriter's obligation to deliver such Certificates is
                  subject to the terms and conditions of the underwriting agreement with the
                  issuer and the availability of such Certificates when, as and if issued by the
                  issuer.  You are advised that the terms of the Certificates, and the
                  characteristics of the mortgage loan pool backing them, may change (due, among
                  other things, to the possibility that mortgage loans that comprise the pool
                  may become delinquent or defaulted or may be removed or replaced and that
                  similar or different mortgage loans may be added to the pool, and that one or
                  more classes of Certificates may be split, combined or eliminated), at any
                  time prior to issuance or availability of a final prospectus.  You are advised
                  that Certificates may not be issued that have the characteristics described in
                  these materials.  The underwriter's obligation to sell such Certificates to
                  you is conditioned on the mortgage loans and Certificates having the
                  characteristics described in these materials.  If  for any reason the issuer
                  does not deliver such Certificates, the underwriter will notify you, and
                  neither the issuer nor any underwriter will have any obligation to you to
                  deliver all or any portion of the Certificates which you have committed to
                  purchase, and none of the issuer nor any underwriter will be liable for any
                  costs or damages whatsoever arising from or related to such non-delivery.

4.3      It is  understood  that you will not enter into a Contract of Sale with any  investor  until the  Approved
Offering  Materials  have been conveyed to the investor with respect to the  Certificates  which are the subject of
such Contract of Sale.

4.4      It is  understood  that you may  prepare  and  provide  to  prospective  investors  certain  Free  Writing
Prospectuses, subject to the following conditions:

(a)      Unless  preceded or accompanied by a prospectus  satisfying the  requirements of Section 10(a) of the Act,
         the  Underwriter  shall not convey or deliver any Written  Communication  to any person in connection with
         the initial offering of the  Certificates,  unless such Written  Communication  (i) is made in reliance on
         Rule 134 under the Act, (ii)  constitutes a prospectus  satisfying the requirements of Rule 430B under the
         Act or (iii)  constitutes  a Free  Writing  Prospectus  (as defined in Section  1.1(c)  above)  consisting
         solely  of  (x)  information  of  a  type  included  within  the  definition  of  ABS   Informational  and
         Computational  Materials  (as defined  below),  (y)  Permitted  Additional  Materials  or (z)  information
         accurately  extracted from the  Preliminary  Prospectus  Supplement or any Issuer Free Writing  Prospectus
         and included in any Underwriter Prepared Issuer FWP or any Underwriter Free Writing Prospectus.

(b)      The  Underwriter  shall comply with all applicable laws and regulations in connection with the use of Free
         Writing  Prospectuses,  including but not limited to Rules 164 and 433 of the 1933 Act Regulations and all
         Commission  guidance  relating to Free  Writing  Prospectuses,  including  but not  limited to  Commission
         Release No. 33-8591.

(c)      It is understood and agreed that all information  provided by the  Underwriter to or through  Bloomberg or
         Intex or similar  entities  for use by  prospective  investors,  or imbedded  in any CDI file  provided to
         prospective investors,  or in any email or other electronic message provided to prospective investors,  to
         the extent  constituting a Free Writing  Prospectus,  shall be deemed for purposes of this Agreement to be
         an Underwriter  Free Writing  Prospectus  and shall not be subject to the required  consent of the Company
         set forth in the third sentence in Section 4.4(e). In connection  therewith,  the Underwriter  agrees that
         it shall not provide any information  constituting  Issuer Information  through the foregoing media unless
         (i) such  information or substantially  similar  information is contained either in an Issuer Free Writing
         Prospectus  or in an  Underwriter  Prepared  Issuer FWP in compliance  with Section  4.4(e) or (ii) to the
         extent such information  consists of the terms of the Certificates,  the final version of the terms of the
         Certificates  or  substantially  similar  information  is  contained  either  in an  Issuer  Free  Writing
         Prospectus or in an Underwriter Prepared Issuer FWP in compliance with Section 4.4(e).

(d)      All  Free  Writing  Prospectuses  provided  to  prospective  investors,  whether  or not  filed  with  the
         Commission,  shall bear a legend including the following  statement (or a substantially  similar statement
         approved by the Company):

                           "THE  DEPOSITOR  HAS  FILED  A  REGISTRATION  STATEMENT  (INCLUDING  A
                           PROSPECTUS) WITH THE SECURITIES AND EXCHANGE  COMMISSION (THE SEC) FOR
                           THE OFFERING TO WHICH THIS COMMUNICATION  RELATES.  BEFORE YOU INVEST,
                           YOU SHOULD READ THE  PROSPECTUS  IN THAT  REGISTRATION  STATEMENT  AND
                           OTHER DOCUMENTS THE       DEPOSITOR  HAS  FILED  WITH THE SEC FOR MORE
                           COMPLETE  INFORMATION  ABOUT THE DEPOSITOR  AND THE OFFERING.  YOU MAY
                           GET THESE  DOCUMENTS  AT NO CHARGE  BY  VISITING  EDGAR ON THE SEC WEB
                           SITE AT WWW.SEC.GOV.  ALTERNATIVELY, THE DEPOSITOR, ANY UNDERWRITER OR
                           ANY DEALER  PARTICIPATING IN THE OFFERING WILL ARRANGE TO SEND YOU THE
                           PROSPECTUS  AT NO  CHARGE  IF  YOU  REQUEST  IT BY  CALLING  TOLL-FREE
                           1-8[XX-XXX-XXXX] OR VIA EMAIL AT ______________.

         Each of the Underwriter  and the Company shall have the right to request  additional  specific  legends or
         notations to appear on any Free Writing  Prospectus and shall have the right to require changes  regarding
         the use of  terminology  and the right to determine the types of  information  appearing  therein with the
         approval of the other (which shall not be unreasonably withheld).

(e)      The Underwriter shall deliver to the Company and its counsel (in such format as reasonably required by
         the Company), prior to the proposed date of first use thereof, (unless such timing requirement is waived
         by the Company), any Underwriter Prepared Issuer FWP (as defined above).  To facilitate filing to the
         extent required by Section 5.10 or 5.11, as applicable, all Underwriter Derived Information shall be set
         forth in a document separate from any Underwriter Prepared Issuer FWP including Issuer Information.
         Consent to use of any Underwriter Prepared Issuer FWP must be given by the Company in written or
         electronic format before the Underwriter provides the Underwriter Prepared Issuer FWP to investors
         pursuant to the terms of this Agreement.  Notwithstanding the foregoing, the Underwriter shall not be
         required to deliver or obtain consent to use an Underwriter Prepared Issuer FWP to the extent that it
         does not contain substantive changes from or additions to any Underwriter Prepared Issuer FWP previously
         approved by the Company.  In the event that the Underwriter uses any Underwriter Prepared Issuer FWP
         without complying with the foregoing requirements, that Underwriter Prepared Issuer FWP shall be deemed
         to be an Underwriter Free Writing Prospectus for purposes of Section 7.1 and 7.2.

(f)      The  Underwriter  shall  provide  the  Company  with  a  letter  from   [___________],   certified  public
         accountants,  prior to the Closing Date,  satisfactory  in form and substance to the Company,  Residential
         Funding and their  respective  counsels  and the  Underwriter,  to the effect that such  accountants  have
         performed  certain  specified  procedures,  all of  which  have  been  agreed  to by the  Company  and the
         Underwriter,  as a result of which they  determined that certain  information of an accounting,  financial
         or  statistical  nature that is  included  in any  Underwriter  Prepared  Issuer FWP,  other than any Pool
         Information therein and any information  accurately extracted from the Preliminary  Prospectus  Supplement
         or any Issuer Free Writing  Prospectus and included in such  Underwriter  Prepared Issuer FWP, is accurate
         except as to such  matters  that are not deemed by the Company and the  Underwriter  to be  material.  The
         foregoing letter shall be at the expense of the Underwriter.

(g)      None of the information in any Free Writing  Prospectus may conflict with the  information  then contained
         in the Registration Statement or any prospectus or prospectus supplement that is a part thereof.

(h)      The  Company  shall  not be  obligated  to file any  Issuer  Free  Writing  Prospectuses  that  have  been
         determined to contain any material error or omission  unless such Issuer Free Writing  Prospectus has been
         provided to a prospective  investor,  in which case, the  Underwriter  shall cooperate with the Company to
         prepare a  corrective  Issuer  Free  Writing  Prospectus  that the  Underwriter  will  provide to any such
         prospective  investor  and the Company  shall file to the extent  required  herein.  In the event that the
         Underwriter  becomes aware that, as of the date on which an investor  entered into a Contract of Sale, any
         Free  Writing  Prospectus  prepared by or on behalf of the  Underwriter  and  delivered  to such  investor
         contained any untrue  statement of a material fact or omitted to state a material fact  necessary in order
         to make the statements  contained therein,  in light of the circumstances  under which they were made, not
         misleading (such Free Writing Prospectus,  a "Defective Free Writing  Prospectus"),  the Underwriter shall
         notify the Company thereof as soon as practical but in any event within one business day after discovery.

(i)      If the Underwriter  does not provide any Free Writing  Prospectuses to the Company  pursuant to subsection
         (e) above, the Underwriter  shall be deemed to have  represented,  as of the Closing Date, that it did not
         provide any  prospective  investors with any  information in written or electronic form in connection with
         the offering of the Certificates that would constitute an Underwriter Prepared Issuer FWP.

(j)      In the event of any delay in the delivery by the  Underwriter to the Company of any  Underwriter  Prepared
         Issuer FWP required to be delivered in accordance  with  subsection  (e) above,  or in the delivery of the
         accountant's  comfort letter in respect thereof  pursuant to subsection (f) above,  the Company shall have
         the  right to delay the  release  of the  Prospectus  to  investors  or to the  Underwriter,  to delay the
         Closing  Date and to take  other  appropriate  actions  in each  case as  necessary  in order to allow the
         Company to comply with its agreement set forth in Section 5.10 to file such  Underwriter  Prepared  Issuer
         FWP by the time specified therein.

(k)      The Underwriter  represents that it has in place, and covenants that it shall maintain,  internal controls
         and  procedures  which it  reasonably  believes  to be  sufficient  to  ensure  full  compliance  with all
         applicable  legal  requirements of the 1933 Act Regulations with respect to the generation and use of Free
         Writing  Prospectuses in connection with the offering of the Certificates.  In addition,  each Underwriter
         shall,  for a period of at least three years after the date hereof,  maintain  written  and/or  electronic
         records of the following:

         (i)      any Free Writing Prospectus used by the Underwriter to solicit offers to purchase Certificates to
                  the extent not filed with the Commission;

         (ii)     regarding each Free Writing Prospectus  delivered by the Underwriter to an investor,  the date of
                  such delivery and identity of such investor; and

         (iii)    regarding  each  Contract of Sale entered  into by such  Underwriter,  the date,  identity of the
                  investor  and the terms of such  Contract of Sale,  as set forth in the related  confirmation  of
                  trade.

(l)      The  Underwriter  covenants with the Company that after the final  Prospectus is available the Underwriter
         shall not  distribute  any written  information  concerning  the  Certificates  to a prospective  investor
         unless such  information is preceded or accompanied by the final  Prospectus.  It is understood and agreed
         that the use of written  information  in  accordance  with the  preceding  sentence is not a Free  Writing
         Prospectus and is not otherwise restricted or governed in any way by this Agreement.

(m)      The Underwriter  shall not use any Free Writing  Prospectus in connection with the  solicitation of offers
         to purchase  Certificates from any prospective  investor in a class of Certificates with  denominations of
         less than $25,000 or otherwise  designated as a "retail" class of Certificates,  and the Underwriter shall
         not  authorize  any such  use of any  Free  Writing  Prospectus  by any  dealer  that  purchases  any such
         Certificates from the Underwriter.

4.5      You  further  agree  that on or prior to the sixth  day after the  Closing  Date,  you shall  provide  the
Company with a certificate,  substantially in the form of Exhibit G attached hereto,  setting forth (i) in the case
of each class of Certificates,  (a) if less than 10% of the aggregate  certificate  principal balance of such class
of Certificates  has been sold to the public as of such date, the value  calculated  pursuant to clause (b)(iii) of
Exhibit G hereto,  or,  (b) if 10% or more of such  class of  Certificates  has been sold to the  public as of such
date but no single price is paid for at least 10% of the aggregate  certificate  principal balance of such class of
Certificates,  then the weighted  average price at which the  Certificates  of such class were sold  expressed as a
percentage of the certificate  principal balance of such class of Certificates  sold, or (c) the first single price
at which at least 10% of the aggregate  certificate  principal  balance of such class of  Certificates  was sold to
the  public,  (ii) the  prepayment  assumption  used in pricing  each class of  Certificates,  and (iii) such other
information as to matters of fact as the Company may  reasonably  request to enable it to comply with its reporting
requirements  with  respect to each class of  Certificates  to the extent  such  information  can in the good faith
judgment of the Underwriter be determined by it.

4.6      The  Underwriter  agrees that (i) if the Prospectus is not delivered with the  confirmation in reliance on
Rule 172, it will include in every  confirmation  sent out the notice  required by Rule 173  informing the investor
that the sale was made  pursuant to the  Registration  Statement  and that the  investor  may request a copy of the
Prospectus  from the  Underwriter;  (ii) if a paper copy of the  Prospectus is requested by a person who receives a
confirmation,  Underwriter  shall  deliver a printed or paper copy of such  Prospectus;  and (iii) if an electronic
copy of the  Prospectus is delivered by the  Underwriter  for any purpose,  such copy shall be the same  electronic
file  containing  the  Prospectus in the identical  form  transmitted  electronically  to the  Underwriter by or on
behalf of the Company  specifically  for use by the Underwriter  pursuant to this Section 4.6; for example,  if the
Prospectus  is  delivered  to the  Underwriter  by or on behalf of the Company in a single  electronic  file in pdf
format,  then the  Underwriter  will deliver the electronic  copy of the  Prospectus in the same single  electronic
file in pdf format.  The  Underwriter  further  agrees that (i) if it delivers to an investor the Prospectus in pdf
format,  upon the Underwriter's  receipt of a request from the investor within the period for which delivery of the
Prospectus is required,  the Underwriter  will promptly  deliver or cause to be delivered to the investor,  without
charge,  a paper copy of the Prospectus  and (ii) it will provide to the Company any  Underwriter  Prepared  Issuer
FWP, or portions  thereof,  which the Company is required to file with the Commission in electronic format and will
use reasonable  efforts to provide to the Company such  Underwriter  Prepared Issuer FWP, or portions  thereof,  in
either Microsoft Word® or Microsoft  Excel® format and not in a pdf, except to the extent that the Company,  in its
sole discretion, waives such requirements.

5.       Agreements.  The Company and you agree as follows:

5.1      Before  amending or  supplementing  the  Registration  Statement  or the  Prospectus  with  respect to the
Certificates, the Company will furnish you with a copy of each such proposed amendment or supplement.

5.2      The Company will cause the  Preliminary  Prospectus  and  Prospectus  Supplement to be  transmitted to the
Commission  for filing  pursuant to Rule 424(b) under the Act by means  reasonably  calculated  to result in filing
with the Commission pursuant to said rule.

5.3      If,  during  the  period  after the first  date of the  public  offering  of the  Certificates  in which a
prospectus  relating to the  Certificates  is required to be delivered  under the Act, any event occurs as a result
of which it is necessary to amend or supplement the Prospectus,  as then amended or supplemented,  in order to make
the statements  therein,  in the light of the  circumstances  when the Prospectus is delivered to a purchaser,  not
misleading,  or if it shall be necessary to amend or supplement  the  Prospectus to comply with the Act or the 1933
Act Regulations,  the Company promptly will prepare and furnish,  at its own expense,  to you, either amendments or
supplements to the Prospectus so that the statements in the Prospectus as so amended or  supplemented  will not, in
the light of the  circumstances  when the  Prospectus  is delivered to a purchaser,  be  misleading  or so that the
Prospectus will comply with law.

5.4      If the Company or the Underwriter  determines or becomes aware that any Written  Communication  (including
without  limitation any Approved  Offering  Materials) or oral statement (when  considered in conjunction  with all
information  conveyed at the time of Contract of Sale)  contains an untrue  statement of material  fact or omits to
state a material fact necessary to make the statements,  in light of the circumstances  under which they were made,
not  misleading at the time that a Contract of Sale was entered  into,  either the Company or the  Underwriter  may
prepare  corrective  information with notice to the other party, and the Underwriter shall deliver such information
in a manner  reasonably  acceptable to both  parties,  to any person with whom a Contract of Sale was entered into,
and such information shall provide any such person with the following:

(a)      Adequate disclosure of the contractual arrangement;

(b)      Adequate  disclosure of the person's  rights under the existing  Contract of Sale at the time  termination
         is sought;

(c)      Adequate  disclosure of the new information  that is necessary to correct the  misstatements  or omissions
         in the information given at the time of the original Contract of Sale; and

(d)      A meaningful  ability to elect to terminate or not  terminate  the prior  Contract of Sale and to elect to
         enter into or not enter into a new Contract of Sale.

Any costs  incurred to the investor in connection  with any such  termination  or  reformation  shall be subject to
Sections 7.1 and 7.2, as applicable.

5.5      The  Company  will  furnish  to you,  without  charge,  a copy of the  Registration  Statement  (including
exhibits  thereto)  and, so long as delivery of a  prospectus  by an  underwriter  or dealer may be required by the
Act, as many copies of the  Prospectus,  any documents  incorporated  by reference  therein and any  amendments and
supplements  thereto as you may  reasonably  request;  provided,  however,  that if the Prospectus is not delivered
with the  confirmation  in reliance on Rule 172,  you will  provide  the notice  specified  in Section 4.6 in every
confirmation and will deliver a paper copy of the prospectus to those investors that request a paper copy thereof.

5.6      The Company agrees,  so long as the  Certificates  shall be  outstanding,  or until such time as you shall
cease to maintain a secondary  market in the  Certificates,  whichever  first occurs,  to deliver to you the annual
statement  as to  compliance  delivered  to the  Trustee  pursuant to Section  3.18 of the  Pooling  and  Servicing
Agreement and the annual statement of a firm of independent  public  accountants  furnished to the Trustee pursuant
to Section 3.19 of the Pooling and Servicing Agreement, as soon as such statements are furnished to the Company.

5.7      The Company will endeavor to arrange for the  qualification  of the  Certificates  for sale under the laws
of such  jurisdictions  as you may reasonably  designate and will maintain such  qualification in effect so long as
required  for the initial  distribution  of the  Certificates;  provided,  however,  that the Company  shall not be
required to qualify to do  business  in any  jurisdiction  where it is not now so  qualified  or to take any action
that  would  subject  it to general or  unlimited  service  of process in any  jurisdiction  where it is not now so
subject.

5.8      If the  transactions  contemplated by this Agreement are consummated,  the Company or Residential  Funding
will pay or cause to be paid all  expenses  incident  to the  performance  of the  obligations  of the  Company and
Residential  Funding  under  this  Agreement,  and  will  reimburse  you for  any  reasonable  expenses  (including
reasonable fees and disbursements of counsel)  reasonably  incurred by you in connection with  qualification of the
Certificates for sale and  determination of their  eligibility for investment under the laws of such  jurisdictions
as you have  reasonably  requested  pursuant to Section 5.7 above and the printing of memoranda  relating  thereto,
for any fees charged by investment  rating agencies for the rating of the  Certificates,  and for expenses incurred
in distributing the Prospectus  (including any amendments and supplements  thereto) to the  Underwriter.  Except as
herein  provided,  you shall be responsible for paying all costs and expenses  incurred by you,  including the fees
and disbursements of your counsel, in connection with the purchase and sale of the Certificates.

5.9      If,  during the period  after the  Closing  Date in which a  prospectus  relating to the  Certificates  is
required  to be  delivered  under  the  Act,  the  Company  receives  notice  that  a  stop  order  suspending  the
effectiveness  of the  Registration  Statement or preventing the offer and sale of the  Certificates  is in effect,
the Company will advise you of the issuance of such stop order.

5.10     The  Company  shall file any Issuer Free  Writing  Prospectus,  and any  Underwriter  Prepared  Issuer FWP
provided to it by the Underwriter under Section 4.4, not later than the date of first use thereof, except that:

(a)      any Issuer Free  Writing  Prospectus  or  Underwriter  Prepared  Issuer FWP or portion  thereof  otherwise
         required to be filed that contains only (1) a description  of the final terms of the  Certificates  may be
         filed by the Company within two days of the later of the date such final terms have been  established  for
         all  classes  of  Certificates  and the date of  first  use,  and (2) a  description  of the  terms of the
         Certificates  that does not reflect the final  terms after they have been  established  for all classes of
         all Certificates is not required to be filed; and

(b)      if the Issuer Free Writing  Prospectus or Underwriter  Prepared Issuer FWP includes only  information of a
         type included in the definition of ABS Informational and Computational  Materials,  the Company shall file
         the same within the later of two business days after the  Underwriter  first provides this  information to
         investors  and the date upon which the  Company is  required to file the  Prospectus  Supplement  with the
         Commission pursuant to Rule 424(b)(3) of the Act.

provided further,  that prior to the filing of any Underwriter  Prepared Issuer FWP by the Company, the Underwriter
must comply  with its  obligations  pursuant to Section 4.4 and that the Company  shall not be required to file any
Free  Writing  Prospectus  to the extent  such Free  Writing  Prospectus  includes  information  in a Free  Writing
Prospectus,  Preliminary  Prospectus or Prospectus  previously  filed with the  Commission or that does not contain
substantive changes from or additions to a Free Writing Prospectus previously filed with the Commission.

5.11     The  Underwriter  shall file any  Underwriter  Free Writing  Prospectus  that has been  distributed by the
Underwriter in a manner reasonably designed to lead to its broad,  unrestricted  dissemination  within the later of
two business days after the  Underwriter  first provides this  information to investors and the date upon which the
Company is required to file the Prospectus  Supplement  with the  Commission  pursuant to Rule 424(b)(3) of the Act
or otherwise as required under Rule 433 of the Act; provided,  however,  that the Underwriter shall not be required
to file any Underwriter Free Writing  Prospectus to the extent such Underwriter  Free Writing  Prospectus  includes
information  in a Free  Writing  Prospectus,  Preliminary  Prospectus  or  Prospectus  previously  filed  with  the
Commission or that does not contain substantive  changes from or additions to a Free Writing Prospectus  previously
filed with the Commission.

5.12     The Company  acknowledges  and agrees that the  Underwriter  is acting  solely in the capacity of an arm's
length  contractual  counterparty  to the Company with respect to the offering of  securities  contemplated  hereby
(including  in  connection  with  determining  the  terms of the  offering)  and not as a  financial  advisor  or a
fiduciary to, or an agent of, the Company or any other person.  Additionally,  the  Underwriter is not advising the
company  or  any  other  person  as to  any  legal,  tax,  investment,  accounting  or  regulatory  matters  in any
jurisdiction.  The Company shall  consult with its own advisors  concerning  such matters and shall be  responsible
for making its own  independent  investigation  and  appraisal of the  transactions  contemplated  hereby,  and the
Underwriter  shall have no  responsibility  or liability to the Company  with  respect  thereto.  Any review by the
Underwriter of the Company,  the transactions  contemplated  hereby or other matters relating to such  transactions
will be performed solely for the benefit of the Underwriter and shall not be on behalf of the Company.

6.       Conditions  to  the  Obligations  of  the  Underwriter.  The  Underwriter's  obligation  to  purchase  the
Certificates shall be subject to the following conditions:
6.1      No stop order  suspending the  effectiveness  of the  Registration  Statement  shall be in effect,  and no
proceedings  for that purpose shall be pending or, to the knowledge of the Company,  threatened by the  Commission;
and the Prospectus  Supplement  shall have been filed or transmitted for filing by means  reasonably  calculated to
result in a filing with the Commission pursuant to Rule 424(b) under the Act.

6.2      Since  December 1, 2005 there shall have been no material  adverse  change (not in the ordinary  course of
business) in the condition of the Company or Residential Funding.

6.3      The Company  shall have  delivered to you a  certificate,  dated the Closing  Date,  of the  President,  a
Senior Vice  President  or a Vice  President of the Company to the effect that the signer of such  certificate  has
examined this Agreement, the Approved Offering Materials,  the Prospectus,  the Pooling and Servicing Agreement and
various other closing documents, and that, to the best of his or her knowledge after reasonable investigation:

(a)      the  representations  and  warranties  of the Company in this  Agreement  and in the Pooling and Servicing
         Agreement are true and correct in all material respects; and

(b)      the Company  has, in all  material  respects,  complied  with all the  agreements  and  satisfied  all the
         conditions on its part to be performed or satisfied hereunder at or prior to the Closing Date.

6.4      Residential  Funding shall have delivered to you a certificate,  dated the Closing Date, of the President,
a Managing  Director,  a Director  or an  Associate  of  Residential  Funding to the effect that the signer of such
certificate  has examined the Pooling and Servicing  Agreement  and this  Agreement and that, to the best of his or
her knowledge after reasonable  investigation,  the representations and warranties of Residential Funding contained
in the Pooling and Servicing Agreement and in this Agreement are true and correct in all material respects.

6.5      You shall have received the opinions of [Mayer,  Brown,  Rowe ® Maw LLP]  [Orrick,  Herrington ® Sutcliffe
LLP],  special counsel for the Company and Residential  Funding,  dated the Closing Date and  substantially  to the
effect set forth in Exhibits A-1, A-2 and A-3, and the opinion of  [_________],  associate  counsel for the Company
and Residential Funding, dated the Closing Date and substantially to the effect set forth in Exhibit B.

6.6      You shall have received a negative  assurance letter  regarding the Preliminary  Prospectus and Prospectus
from [Mayer,  Brown,  Rowe ® Maw LLP] [Orrick,  Herrington ® Sutcliffe  LLP],  special  counsel for the Company and
Residential Funding, in form satisfactory to you.

6.7      The Underwriter  shall have received from  [________],  certified public  accountants,  (a) a letter dated
the date hereof and  satisfactory in form and substance to the Underwriter and the  Underwriter's  counsel,  to the
effect  that  they  have  performed  certain  specified  procedures,  all  of  which  have  been  agreed  to by the
Underwriter,  as a result of which  they  determined  that  certain  information  of an  accounting,  financial  or
statistical  nature set forth in the Prospectus  Supplement under the captions  "Description of the Mortgage Pool",
"Description of the Agreements",  "Description of the Securities" and "Certain Yield and Prepayment Considerations"
agrees with the records of the Company and  Residential  Funding  excluding any  questions of legal  interpretation
and (b) the letter prepared pursuant to Section 4.4(e).

6.8      The Class A Certificates  shall have been rated "AAA" by [Fitch  Ratings,  ("Fitch")] and AAA by [Standard
® Poor's ("S®P")].

6.9      You shall have  received the opinion of  [____________],  counsel to the Trustee,  dated the Closing Date,
substantially to the effect set forth in Exhibit C.

6.10     [You shall have  received  the  opinion of Faegre ® Benson,  LLP,  special  Minnesota  tax counsel for the
Company, dated the Closing Date, substantially to the effect set forth in Exhibit D.]

6.11     You shall have  received  from  [_________],  associate  counsel to the  Company,  a reliance  letter with
respect to any  opinions  delivered  to the rating  agencies,  or you shall have been listed as an addressee on any
such opinions.

The Company will furnish you with conformed  copies of the above opinions,  certificates,  letters and documents as
you reasonably request.

7.       Indemnification and Contribution.

7.1      The Company and Residential Funding,  jointly and severally,  agree to indemnify and hold harmless you and
each  person,  if any,  who  controls  you within the meaning of either  Section 15 of the Act or Section 20 of the
Securities  Exchange Act of 1934, as amended (the  "Exchange  Act"),  from and against any and all losses,  claims,
damages  and  liabilities  (i) caused by any  untrue  statement  or alleged  untrue  statement  of a material  fact
contained in the  Registration  Statement for the  registration of the  Certificates as originally  filed or in any
amendment thereof or other filing  incorporated by reference therein,  or in the Approved Offering Materials or the
Prospectus or incorporated  by reference  therein (if used within the period set forth in Section 5.3 hereof and as
amended or  supplemented if the Company shall have furnished any amendments or supplements  thereto),  or caused by
any omission or alleged  omission to state therein a material  fact  required to be stated  therein or necessary to
make the statements  therein,  in light of the  circumstances  under which they were made, not misleading,  or (ii)
caused by any untrue  statement  or alleged  untrue  statement  of a material  fact  contained  in any Issuer  Free
Writing  Prospectus,  or any omission or alleged  omission to state therein a material  fact  necessary to make the
statements therein,  in light of the circumstances  under which they were made, not misleading,  or (iii) caused by
any untrue  statement  of a material  fact or alleged  untrue  statement  of a material  fact  contained in (x) any
Underwriter  Prepared Issuer FWP or any Underwriter Free Writing  Prospectus or any omission or alleged omission to
state therein a material fact necessary to make the statements  therein,  in light of the circumstances under which
they were made,  not  misleading,  that in either case was caused by any error or omission in any Pool  Information
or (y) any information  accurately extracted from the Preliminary  Prospectus Supplement or any Issuer Free Writing
Prospectus and included in any  Underwriter  Prepared  Issuer FWP or Underwriter  Free Writing  Prospectus;  except
insofar as such losses,  claims,  damages,  or liabilities  are caused by any such untrue  statement or omission or
alleged untrue  statement or omission based upon any  information  with respect to which the Underwriter has agreed
to  indemnify  the Company  pursuant to clause (i) of Section  7.2;  provided,  however,  that none of the Company,
Residential  Funding  or you  will be  liable  in any case to the  extent  that any such  loss,  claim,  damage  or
liability  arises out of or is based upon any such untrue  statement  or alleged  untrue  statement  or omission or
alleged omission made therein relating to the Excluded Information.

7.2      You agree to indemnify and hold harmless the Company,  Residential Funding,  their respective directors or
officers and any person  controlling the Company or Residential  Funding within the meaning of either Section 15 of
the Act or Section 20 of the  Exchange  Act from and against any and all losses,  claims,  damages and  liabilities
(i) caused by any untrue  statement or alleged  untrue  statement  of material  fact  contained in the  Underwriter
Information,  or any omission or alleged  omission to state therein any material fact required to be stated therein
or  necessary  to make the  statements  therein,  in light of the  circumstances  under  which they were made,  not
misleading,  (ii) caused by any untrue  statement or alleged  untrue  statement of material  fact  contained in any
Underwriter  Free  Writing  Prospectus,  or any  omission  or alleged  omission  to state  therein a material  fact
necessary  to make the  statements  therein,  in  light of the  circumstances  under  which  they  were  made,  not
misleading,  (iii) caused by any untrue  statement or alleged  untrue  statement of material fact  contained in any
Underwriter Prepared Issuer FWP (except for any information  accurately  extracted from the Preliminary  Prospectus
Supplement or any Issuer Free Writing  Prospectus  and included in such  Underwriter  Prepared  Issuer FWP), or any
omission or alleged  omission to state therein a material fact necessary to make the statements  therein,  in light
of the  circumstances  under which they were made, not misleading,  (iv) caused by any Underwriter  Prepared Issuer
FWP for which the  conditions  set forth in  Section  4.4(e)  above are not  satisfied  with  respect  to the prior
consent by the  Company,  and (v)  resulting  from your  failure to comply with  Section 4.3 or failure to file any
Underwriter Free Writing Prospectus required to be filed in accordance with Section 5.11; provided,  however,  that
the  indemnification  set forth in clauses  (ii) and (iii) of this Section 7.2 shall not apply to the extent of any
error or omission in any  Underwriter  Prepared  Issuer FWP or any  Underwriter  Free Writing  Prospectus  that was
caused by any error or omission  in any Pool  Information  unless you have  failed to comply  with  Section 4.3 and
such  error was  corrected  in the  Approved  Offering  Materials;  provided,  further,  that none of the  Company,
Residential  Funding  or you  will be  liable  in any case to the  extent  that any such  loss,  claim,  damage  or
liability  arises out of or is based upon any such untrue  statement  or alleged  untrue  statement  or omission or
alleged omission made therein relating to the Excluded  Information.  In addition,  you agree to indemnify and hold
harmless the Company,  Residential  Funding,  their respective directors or officers and any person controlling the
Company or Residential Funding against any and all losses,  claims,  damages,  liabilities and expenses (including,
without  limitation,  reasonable  attorneys' fees) caused by, resulting from, relating to, or based upon any legend
regarding  original  issue  discount  on any  Certificate  resulting  from  incorrect  information  provided by the
Underwriter in the certificates described in Section 4.5 hereof.

7.3      In case any  proceeding  (including  any  governmental  investigation)  shall be instituted  involving any
person in respect of which  indemnity  may be sought  pursuant to either  Section 7.1 or Section  7.2,  such person
(the  "indemnified  party")  shall  promptly  notify the person  against  whom such  indemnity  may be sought  (the
"indemnifying  party") in writing and the indemnifying  party, upon request of the indemnified  party, shall retain
counsel  reasonably  satisfactory  to the indemnified  party to represent the indemnified  party and any others the
indemnifying  party may designate in such  proceeding and shall pay the reasonable fees and  disbursements  of such
counsel related to such proceeding.  In any such proceeding,  any indemnified  party shall have the right to retain
its own counsel,  but the reasonable fees and expenses of such counsel shall be at the expense of such  indemnified
party unless (i) the  indemnifying  party and the indemnified  party shall have mutually agreed to the retention of
such counsel or (ii) the named parties to any such proceeding  (including any impleaded  parties)  include both the
indemnifying  party and the  indemnified  party and  representation  of both parties by the same  counsel  would be
inappropriate  due  to  actual  or  potential   differing  interests  between  them.  It  is  understood  that  the
indemnifying  party shall not, in connection with any proceeding or related  proceedings in the same  jurisdiction,
be liable for the  reasonable  fees and expenses of more than one separate firm for all such  indemnified  parties.
Such firm shall be  designated  in writing by you, in the case of parties  indemnified  pursuant to Section 7.1 and
by the  Company  or  Residential  Funding,  in the  case of  parties  indemnified  pursuant  to  Section  7.2.  The
indemnifying  party may,  at its option,  at any time upon  written  notice to the  indemnified  party,  assume the
defense  of any  proceeding  and  may  designate  counsel  reasonably  satisfactory  to the  indemnified  party  in
connection  therewith  provided  that the  counsel so  designated  would have no actual or  potential  conflict  of
interest  in  connection  with such  representation.  Unless it shall  assume  the  defense of any  proceeding  the
indemnifying  party  shall not be liable  for any  settlement  of any  proceeding,  effected  without  its  written
consent,  but if settled with such  consent or if there be a final  judgment for the  plaintiff,  the  indemnifying
party  agrees  to  indemnify  the  indemnified  party  from and  against  any loss or  liability  by reason of such
settlement or judgment.  If the indemnifying  party assumes the defense of any proceeding,  it shall be entitled to
settle such  proceeding with the consent of the  indemnified  party or, if such settlement  provides for release of
the indemnified  party in connection with all matters  relating to the proceeding  which have been asserted against
the  indemnified  party in such  proceeding  by the other  parties to such  settlement,  without the consent of the
indemnified party.

7.4      If the  indemnification  provided  for in this  Section 7 is  unavailable  to an  indemnified  party under
Section  7.1 or  Section  7.2 hereof or  insufficient  in respect of any  losses,  claims,  damages or  liabilities
referred  to  therein,  then  the  indemnifying  party,  in lieu of  indemnifying  such  indemnified  party,  shall
contribute to the amount paid or payable by such indemnified party as a result of such losses,  claims,  damages or
liabilities,  in such  proportion  as is  appropriate  to reflect not only the  relative  benefits  received by the
Company  and  Residential  Funding  on the one hand and the  Underwriter  on the  other  from the  offering  of the
Certificates  but  also the  relative  fault  of the  Company  or  Residential  Funding  on the one hand and of the
Underwriter  on the other in connection  with the statements or omissions  which  resulted in such losses,  claims,
damages  or  liabilities,  as well as any  other  relevant  equitable  considerations.  The  relative  fault of the
Company  and  Residential  Funding  on the one hand and of the  Underwriter  on the other  shall be  determined  by
reference  to,  among  other  things,  whether the untrue or alleged  untrue  statement  of a material  fact or the
omission or alleged  omission to state a material  fact  relates to  information  supplied by the Company or by the
Underwriter,  and the parties'  relative  intent,  knowledge,  access to information  and opportunity to correct or
prevent such statement or omission.

7.5      The Company,  Residential  Funding and the  Underwriter  agree that it would not be just and  equitable if
contribution  pursuant  to this  Section  7 were  determined  by pro rata  allocation  or by any  other  method  of
allocation  which does not take  account of the  considerations  referred to in Section 7.4 above.  The amount paid
or payable by an indemnified party as a result of the losses,  claims,  damages and liabilities referred to in this
Section 7 shall be deemed to include,  subject to the  limitations  set forth  above,  any legal or other  expenses
reasonably  incurred by such  indemnified  party in connection with  investigating  or defending any such action or
claim  except  where the  indemnified  party is  required to bear such  expenses  pursuant  to Section  7.4;  which
expenses the  indemnifying  party shall pay as and when incurred,  at the request of the indemnified  party, to the
extent that the  indemnifying  party  believes that it will be ultimately  obligated to pay such  expenses.  In the
event that any expenses so paid by the  indemnifying  party are  subsequently  determined  to not be required to be
borne by the indemnifying  party hereunder,  the party which received such payment shall promptly refund the amount
so paid to the party  which  made such  payment.  No person  guilty of  fraudulent  misrepresentation  (within  the
meaning of Section 11(f) of the Act) shall be entitled to  contribution  from any person who was not guilty of such
fraudulent misrepresentation.

7.6      The  indemnity  and  contribution  agreements  contained  in this  Section 7 and the  representations  and
warranties of the Company and Residential  Funding in this Agreement  shall remain  operative and in full force and
effect regardless of (i) any termination of this Agreement,  (ii) any  investigation  made by the Underwriter or on
behalf  of the  Underwriter  or any  person  controlling  the  Underwriter  or by or on behalf  of the  Company  or
Residential  Funding  and their  respective  directors  or  officers  or any  person  controlling  the  Company  or
Residential Funding and (iii) acceptance of and payment for any of the Certificates.

8.       Termination.  This  Agreement  shall  be  subject  to  termination  by  notice  given to the  Company  and
Residential  Funding,  if the sale of the  Certificates  provided  for  herein is not  consummated  because  of any
failure or refusal on the part of the  Company or  Residential  Funding to comply  with the terms or to fulfill any
of the conditions of this  Agreement,  or if for any reason the Company or  Residential  Funding shall be unable to
perform their  respective  obligations  under this  Agreement.  If you terminate this Agreement in accordance  with
this Section 8, the Company or Residential  Funding will reimburse you for all  reasonable  out-of-pocket  expenses
(including  reasonable  fees and  disbursements  of  counsel)  that  shall  have been  reasonably  incurred  by the
Underwriter in connection with the proposed purchase and sale of the Certificates.

9.       Certain   Representations  and  Indemnities  to  Survive.  The  respective  agreements,   representations,
warranties,  indemnities  and other  statements of the Company,  Residential  Funding or the officers of any of the
Company,  Residential  Funding,  and you set forth in or made pursuant to this  Agreement will remain in full force
and effect,  regardless  of any  investigation,  or  statement  as to the results  thereof,  made by you or on your
behalf  or made by or on  behalf  of the  Company  or  Residential  Funding  or any of their  respective  officers,
directors or controlling persons, and will survive delivery of and payment for the Certificates.

10.      Notices.  All communications  hereunder will be in writing and effective only on receipt,  and, if sent to
the Underwriter will be mailed,  delivered or telegraphed and confirmed to you at [_______________],  or if sent to
the  Company,  will be mailed,  delivered  or  telegraphed  and  confirmed to it at  Residential  Asset  Securities
Corporation,  8400 Normandale Lake Boulevard,  Suite 250, Minneapolis,  Minnesota 55437, Attention:  President; or,
if sent to  Residential  Funding  will be mailed,  delivered or  telegraphed  and  confirmed  to it at  Residential
Funding  Corporation,  8400  Normandale  Lake  Boulevard,  Suite  250,  Minneapolis,  Minnesota  55437,  Attention:
President.

11.      Successors.  This  Agreement  will  inure to the  benefit of and be binding  upon the  parties  hereto and
their  respective  successors  and the officers and  directors  and  controlling  persons  referred to in Section 7
hereof, and their successors and assigns, and no other person will have any right or obligation hereunder.

12.      Applicable  Law.  This  Agreement  will be governed by and  construed in  accordance  with the laws of the
State of New York.

13.      Counterparts.  This  Agreement  may be  executed  in any number of  counterparts,  each of which  shall be
deemed an original, which taken together shall constitute one and the same instrument.




         If the foregoing is in accordance with your  understanding of our agreement,  please sign and return to us
a counterpart  hereof,  whereupon this letter and your  acceptance  shall  represent a binding  agreement among the
Company, Residential Funding and you.

                                                     Very truly yours,

                                                     RESIDENTIAL ASSET SECURITIES CORPORATION


                                                     By:___________________________________________________________
                                                     Name:
                                                     Title:


                                                     RESIDENTIAL FUNDING CORPORATION


                                                     By:___________________________________________________________
                                                     Name:
                                                     Title:


The foregoing Underwriting Agreement
is hereby confirmed and accepted as of
the date first above written.

[UNDERWRITER]



By: ____________________________________________

Name:

Title:








                                                    EXHIBIT A-1

                    [Mayer, Brown, Rowe ® Maw LLP] [Orrick, Herrington ® Sutcliffe LLP] Opinion
                                   Main Closing Opinion (Underwriting Agreement)






                                                    EXHIBIT A-2

                                           [Mayer, Brown, Rowe ® Maw LLP
                                Negative Assurance Letter (Underwriting Agreement)]





                                                    EXHIBIT A-3

                                       [Mayer, Brown, Rowe ® Maw LLP Opinion
                                  Tax Disclosure Letter (Underwriting Agreement)]





                                                     EXHIBIT B

                                                 In-House Opinion
                                   Main Closing Opinion (Underwriting Agreement)



                                                     EXHIBIT C

                                              Opinion of [_________]
                                                Counsel to Trustee



                                                    [EXHIBIT D]

                                         [Opinion of Faegre ® Benson, LLP
                                          Special Counsel to the Company]



                                                     EXHIBIT E

                                               EXCLUDED INFORMATION




                                                     EXHIBIT F

                                              UNDERWRITER INFORMATION



                                                     EXHIBIT G

                                             UNDERWRITER'S CERTIFICATE