EX-10.1 3 qs1supp.txt SERIES SUPPLEMENT ================================================================================ RESIDENTIAL ACCREDIT LOANS, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and BANKERS TRUST COMPANY, Trustee SERIES SUPPLEMENT, DATED AS OF JANUARY 1, 2002, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of July 1, 2001 Mortgage Asset-Backed Pass-Through Certificates Series 2002-QS1 ================================================================================
Article I DEFINITIONS....................................................................4 Section 1.01. Definitions..........................................................4 Section 1.02. Use of Words and Phrases............................................15 Section 1.03. Determination of LIBOR..............................................15 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES...........................................................17 Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms).............................17 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms)...............................................................17 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company......................................17 Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms)..................................................20 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates............20 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee.................................20 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.............20 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms)......................................................20 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS................................21 Article IV PAYMENTS TO CERTIFICATEHOLDERS.................................................22 Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms).......22 Section 4.02. Distributions. ......................................................22 Section 4.03. Statements to Certificateholders. (See Section 4.03 of the Standard Terms and Exhibit Three attached hereto)....................32 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (See Section 4.04 of the Standard Terms)......................................................32 Section 4.05. Allocation of Realized Losses. ......................................32 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms).............................34 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)..........................................34 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................34 i Article V THE CERTIFICATES................................................................35 Section 5.01. The Certificates. (See Section 5.01 of the Standard Terms)..........35 Section 5.02. Registration of Transfer and Exchange of Certificates................35 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the Standard Terms)..........................................35 Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms)......35 Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms)...............................................................35 Article VI THE COMPANY AND THE MASTER SERVICER..........................................36 Article VII DEFAULT......................................................................37 Article VIII CONCERNING THE TRUSTEE.......................................................38 Article IX TERMINATION..................................................................39 Article X REMIC PROVISIONS............................................................40 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....40 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........40 Section 10.03.Designation of REMICs................................................40 Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................40 Section 10.05.Compliance with Withholding Requirements.............................42 Article XI MISCELLANEOUS PROVISIONS......................................................43 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................43 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)..................................................43 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................43 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........43 Section 11.05.Notices..............................................................43 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).................................44 ii Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)...............................................................44 Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms).........................................44 Section 11.09.Allocation of Voting Rights..........................................44 Section 11.10.No Petition..........................................................44
iii EXHIBITS Exhibit One: Mortgage Loan Schedule Exhibit Two: Schedule of Discount Fractions Exhibit Three: Information to be Included in Monthly Distribution Date Statement Exhibit Four: Standard Terms of Pooling and Servicing Agreement Dated as of July 1, 2001 Exhibit Five: Planned Principal Balances and Targeted Principal Balances iv This is a Series Supplement, dated as of January 1, 2002 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of July 1, 2001 and attached as Exhibit Four hereto (the "Standard Terms" and, together with this Series Supplement, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and BANKERS TRUST COMPANY, as Trustee (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued hereunder in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans. As provided herein, the REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans but excluding the Initial Monthly Payment Fund), as one or more real estate mortgage investment conduits (each, a "REMIC") for federal income tax purposes. The terms and provisions of the Standard Terms are hereby incorporated by reference herein as though set forth in full herein. If any term or provision contained herein shall conflict with or be inconsistent with any provision contained in the Standard Terms, the terms and provisions of this Series Supplement shall govern. All capitalized terms not otherwise defined herein shall have the meanings set forth in the Standard Terms. The Pooling and Servicing Agreement shall be dated as of the date of this Series Supplement. The following table sets forth the designation, type, Pass-Through Rate, aggregate Initial Certificate Principal Balance, Maturity Date, initial ratings and certain features for each Class of Certificates comprising the interests in the Trust Fund created hereunder.
AGGREGATE INITIAL CERTIFICATE MOODY'S/ PASS-THROUGH PRINCIPAL MATURITY ------------ MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE FITCH DENOMINATIONS2 Class A-1 5.50% $28,046,000.00 Senior/PAC January 25, 2032 Aaa/AAA $25,000.00 Class A-2 5.50% $18,772,000.00 Senior/PAC/ January 25, 2032 Aaa/AAA $1,000.00 Retail Class A-3 6.50% $146,491,000.00 Senior January 25, 2032 Aaa/AAA $25,000.00 Class A-4 6.50% $75,000,000.00 Senior/TAC/ January 25, 2032 Aaa/AAA $25,000.00 Accretion Directed Class A-5 Adjustable $23,409,000.00 Senior/PAC/ January 25, 2032 Aaa/AAA $25,000.00 Rate3 Floater/ Adjustable Rate Class A-5A Adjustable $0.004 Senior/Inverse January 25, 2032 Aaa/AAA $2,000,000.00 Rate3 Floater/ Adjustable Rate/ Interest Only Class A-6 6.50% $25,000,000.00 Senior January 25, 2032 Aaa/AAA $25,000.00 Class A-7 6.50% $14,773,000.00 Senior/Accrual/January 25, 2032 Aaa/AAA $25,000.00 Companion Class A-8 6.50% $27,001,000.00 Senior January 25, 2032 Aaa/AAA $25,000.00 Class A-9 6.50% $42,440,000.00 Senior/Lockout January 25, 2032 Aaa/AAA $25,000.00 Class A-P 0.00% $1,246,429.68 Principal January 25, 2032 Aaa/AAA $25,000.00 Only/Senior Class A-V Variable $0.00 Variable January 25, 2032 Aaa/AAA 6 Rate5 Strip/Interest Only/Senior _____________ 1 The Certificates, other than the Class A-P, Class A-V, Class B and Class R Certificates shall be Book-Entry Certificates. The Class A-P, Class A-V, Class B and Class R Certificates shall be delivered to the holders thereof in physical form. 2 The Certificates, other than the Class A-V and Class R Certificates, shall be issuable in minimum dollar denominations as indicated above (by Certificate Principal Balance or Notional Amount, as applicable) and integral multiples of $1 (or $1,000 in the case of the Class A-2, Class A-P, Class B-1, Class B-2 and Class B-3 Certificates) in excess thereof, except that one Certificate of any of the Class A-P and Class B-1, Class B-2 and Class B-3 Certificates that contain an uneven multiple of $1,000 shall be issued in a denomination equal to the sum of the related minimum denomination set forth above and such uneven multiple for such Class or the sum of such denomination and an integral multiple of $1,000. 3 ------------------------------------------------------------------------------ ADJUSTABLE INITIAL FORMULA MAXIMUM MINIMUM RATES: ------------------------------------------------------------------------------- Class A-5: 2.20% LIBOR + 0.35% 8.50% 0.35% ------------------------------------------------------------------------------- Class A-5A: 6.30% 8.15% - LIBOR 8.15% 0.00% 4 The notional amount of the Class A-5A Certificates will be equal to the Certificate Principal Balance of the Class A-5 Certificates. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.5483%. 6 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 2 AGGREGATE INITIAL CERTIFICATE MOODY'S/ PASS-THROUGH PRINCIPAL MATURITY ------------ MINIMUM DESIGNATION RATE BALANCE FEATURES1 DATE FITCH DENOMINATIONS2 Class R-I 6.50% $100.00 Residual/SeniorJanuary 25, 2032 Aaa/AAA 7 Class R-II 6.50% $100.00 Residual/SeniorJanuary 25, 2032 Aaa/AAA 7 Class M-1 6.50% $11,667,600.00 Mezzanine January 25, 2032 NA/AA $25,000.00 Class M-2 6.50% $3,818,200.00 Mezzanine January 25, 2032 NA/A $250,000.00 Class M-3 6.50% $1,697,000.00 Mezzanine January 25, 2032 NA/BBB $250,000.00 Class B-1 6.50% $2,121,200.00 Subordinate January 25, 2032 NA/BB $250,000.00 Class B-2 6.50% $1,272,700.00 Subordinate January 25, 2032 NA/B $250,000.00 Class B-3 6.50% $1,484,915.66 Subordinate January 25, 2032 NA/NA $250,000.00
The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $424,240,245.34. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 7 Each class of the Class R Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest; provided, however, that one Class R Certificate of each Class will be issuable to Residential Funding as "tax matters person" pursuant to Section 10.01(c) and (e) in a minimum denomination representing a Percentage Interest of not less than 0.01%. 3 ARTICLE I DEFINITIONS Section 1.01...Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Termination Date: The earlier to occur of (i) the Distribution Date on which the Certificate Principal Balance of the Class A-4 Certificates has been reduced to zero and (ii) the Credit Support Depletion Date. Accrual Certificates: Any of the Class A-7 Certificates. Accretion Directed Certificates: Any of the Class A-4 Certificates. Accrual Distribution Amount: With respect to any Distribution Date on or prior to the Accretion Termination Date, an amount equal to the amount of Accrued Certificate Interest on the Class A-7 Certificates that is added to the Certificate Principal Balance thereof on such Distribution Date pursuant to Section 4.02(h). Adjustable Rate Certificates: Any of the Class A-5 or Class A-5A Certificates. Bankruptcy Amount: As of any date of determination prior to the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (A) $150,000 over (B) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement. As of any date of determination on or after the first anniversary of the Cut-off Date, an amount equal to the excess, if any, of (1) the lesser of (a) the Bankruptcy Amount calculated as of the close of business on the Business Day immediately preceding the most recent anniversary of the Cut-off Date coinciding with or preceding such date of determination (or, if such date of determination is an anniversary of the Cut-off Date, the Business Day immediately preceding such date of determination) (for purposes of this definition, the "Relevant Anniversary") and (b) the greater of (A) (i) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is less than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, $0.00, or (ii) if the aggregate principal balance of the Non-Primary Residence Loans as of the Relevant Anniversary is equal to or greater than 10% of the Stated Principal Balance of the Mortgage Loans as of the Relevant Anniversary, the sum of (I) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 80.00% but less than or equal to 90.00% (other than Additional Collateral Loans), times 0.25%, (II) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 90.00% but less than or equal to 95.00% (other than Additional Collateral Loans), 4 times 0.50%, and (III) the aggregate principal balance of the Non-Primary Residence Loans with a Loan-to-Value Ratio of greater than 95.00% (other than Additional Collateral Loans) times 0.75%, in each case as of the Relevant Anniversary; and (B) the greater of (i) the product of (x) an amount equal to the largest difference in the related Monthly Payment for any Non-Primary Residence Loan remaining in the Mortgage Pool (other than Additional Collateral Loans) which had an original Loan-to-Value Ratio of 80% or greater that would result if the Net Mortgage Rate thereof was equal to the weighted average (based on the principal balance of the Mortgage Loans as of the Relevant Anniversary) of the Net Mortgage Rates of all Mortgage Loans as of the Relevant Anniversary less 1.25% per annum, (y) a number equal to the weighted average remaining term to maturity, in months, of all Non-Primary Residence Loans remaining in the Mortgage Pool as of the Relevant Anniversary, and (z) one plus the quotient of the number of all Non-Primary Residence Loans remaining in the Mortgage Pool divided by the total number of Outstanding Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary, and (ii) $50,000, over (2) the aggregate amount of Bankruptcy Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the Relevant Anniversary. The Bankruptcy Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Certificate: Any Class A, Class M, Class B or Class R Certificate. ----------- Certificate Account: The separate account or accounts created and maintained pursuant to Section 4.01 of the Standard Terms, which shall be entitled "Bankers Trust Company, as trustee, in trust for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2002-QS1" and which must be an Eligible Account. Certificate Policy: None. ------------------ Class A Certificate: Any one of the Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-5A, Class A-6, Class A-7, Class A-8, Class A-9, Class A-V or Class A-P Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. Class R Certificate: Any one of the Class R-I Certificates and Class R-II Certificates. 5 Class R-I Certificate: Any one of the Class R-I Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC I for purposes of the REMIC Provisions. Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Closing Date: January 30, 2002. ------------ Corporate Trust Office: The principal office of the Trustee at which at any particular time its corporate trust business with respect to this Agreement shall be administered, which office at the date of the execution of this instrument is located at 1761 East St. Andrew Place, Santa Ana, California 92705-4934, Attention: Residential Funding Corporation Series 2002-QS1. Cut-off Date: January 1, 2002. ------------ Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 6.50% per annum. -------------------------- Due Period: With respect to each Distribution Date and any Mortgage Loan, the period commencing on the second day of the month prior to the month in which such Distribution Date occurs and ending on the first day of the month in which such Distribution Date occurs. Eligible Funds: On any Distribution Date, the portion, if any, of the Available Distribution Amount remaining after reduction by the sum of (i) the aggregate amount of Accrued Certificate Interest on the Senior Certificates, (ii) the Senior Principal Distribution Amount (determined without regard to Section 4.02(a)(ii)(Y)(D) hereof), (iii) the Class A-P Principal Distribution Amount (determined without regard to Section 4.02(b)(i)(E) hereof) and (iv) the aggregate amount of Accrued Certificate Interest on the Class M, Class B-1 and Class B-2 Certificates. Floater Certificates: Any one of the Class A-5 Certificates. -------------------- Fraud Loss Amount: As of any date of determination after the Cut-off Date, an amount equal to: (X) prior to the first anniversary of the Cut-off Date an amount equal to 3.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination, (Y) from the first to, but not including, the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus 6 (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination, and (Z) from the second to the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. Initial Monthly Payment Fund: $319,507, representing scheduled principal amortization and interest at the Net Mortgage Rate during the Due Period ending on February 1, 2002, for those Mortgage Loans for which the Trustee will not be entitled to receive such payment. Initial Notional Amount: With respect to the Class A-5A Certificates, $23,409,000. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans as of the Cut-off Date as follows: Class M-1: 2.75% Class B-1: 0.50% Class M-2: 0.90% Class B-2: 0.30% Class M-3: 0.40% Class B-3: 0.35% Interest Accrual Period: With respect to any Class of Certificates (other than the Floater and Certificates and the Inverse Floater Certificates) and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. The Interest Accrual Period for the Floater Certificates and the Inverse Floater Certificates for any Distribution Date is the period beginning on the 25th day of the month preceding the month in which such Distribution Date occurs and ending on the 24th day of the month in which such Distribution Date occurs. Interest Only Certificates: Any one of the Class A-5A Certificates or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-5A Certificates. ---------------------------- 7 Lockout Prepayment Percentage: For any Distribution Date occurring prior to the Distribution Date in February 2007 will be 0%, and for any Distribution Date thereafter, as follows: 30% for any Distribution Date on or after February 2007 and prior to February 2008; 40% for any Distribution Date on or after February 2008 and prior to February 2009; 60% for any Distribution Date on or after February 2009 and prior to February 2010; 80% for any Distribution Date on or after February 2010 and prior to February 2011; and 100% for any Distribution Date thereafter. Lockout Scheduled Percentage: For any Distribution Date occurring on or prior to the Distribution Date in January 2007, 0%, and beginning on the Distribution Date in February 2007 and thereafter, 100%. Maturity Date: January 25, 2032, the Distribution Date immediately following the latest scheduled maturity date of any Mortgage Loan. Mortgage Loan Schedule: The list or lists of the Mortgage Loans attached hereto as Exhibit One (as amended from time to time to reflect the addition of Qualified Substitute Mortgage Loans), which list or lists shall set forth the following information as to each Mortgage Loan: (i) the Mortgage Loan identifying number ("RFC LOAN #"); (ii) the maturity of the Mortgage Note ("MATURITY DATE"); (iii) the Mortgage Rate ("ORIG RATE"); (iv) the Subservicer pass-through rate ("CURR NET"); (v) the Net Mortgage Rate ("NET MTG RT"); (vi) the Pool Strip Rate ("STRIP"); (vii)the initial scheduled monthly payment of principal, if any, and interest ("ORIGINAL P & I"); (viii) the Cut-off Date Principal Balance ("PRINCIPAL BAL"); (ix) the Loan-to-Value Ratio at origination ("LTV"); (x) the rate at which the Subservicing Fee accrues ("SUBSERV FEE") and at which the Servicing Fee accrues ("MSTR SERV FEE"); (xi) a code "T," "BT" or "CT" under the column "LN FEATURE," indicating that the Mortgage Loan is secured by a second or vacation residence; and (xii)a code "N" under the column "OCCP CODE," indicating that the Mortgage Loan is secured by a non-owner occupied residence. 8 Such schedule may consist of multiple reports that collectively set forth all of the information required. Notional Amount: As of any Distribution Date, (i) with respect to the Inverse Floater Certificates, an amount equal to the Certificate Principal Balance of the Floater Certificates immediately prior to such date, and (ii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. Pass-Through Rate: With respect to the Senior Certificates (other than the Floater Certificates, Inverse Floater Certificates, Class A-V Certificates and Class A-P Certificates), Class M Certificates and Class B Certificates and any Distribution Date, the per annum rates set forth in the Preliminary Statement hereto. With respect to the Floater Certificates and the initial Interest Accrual Period, 2.20% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 0.35% plus LIBOR, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.35% per annum. With respect to the Inverse Floater Certificates and the initial Interest Accrual Period, 6.30% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 8.15% minus LIBOR, subject to a maximum rate of 8.15% per annum and a minimum rate of 0.00% per annum. With respect to the Class A-V Certificates (other than any Subclass thereof) and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or, with respect to the initial Distribution Date, at the close of business on the Cut-off Date). With respect to the Class A-V Certificates and the initial Distribution Date the Pass-Through Rate is equal to 0.5483% per annum. With respect to any Subclass of Class A-V Certificates and any Distribution Date, a rate equal to the weighted average, expressed as a percentage, of the Pool Strip Rates of all Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Subclass as of the Due Date in the related Due Period, weighted on the basis of the respective Stated Principal Balances of such Mortgage Loans as of the day immediately preceding such Distribution Date (or with respect to the initial Distribution Date, at the close of business on the Cut-off Date). The Principal Only Certificates have no Pass-Through Rate and are not entitled to Accrued Certificate Interest. Planned Principal Balance: With respect to any of the Class A-1, Class A-2 and Class A-5 Certificates and any Distribution Date, the amount set forth in Exhibit Five opposite such date. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Certificates for federal income tax purposes, which assumes a constant prepayment rate of 6.0% per annum of the then outstanding principal balance of the related Mortgage Loans in the first month of the life of such Mortgage Loans and an additional 1.090909% per annum in each month thereafter until the twelfth month, and beginning in the twelfth month and in each month thereafter during the life of the Mortgage Loans, a constant prepayment rate of 18% per annum. 9 Prepayment Distribution Percentage: With respect to any Distribution Date and each Class of Subordinate Certificates, under the applicable circumstances set forth below, the respective percentages set forth below: (i) For any Distribution Date prior to the Distribution Date in February 2007 (unless the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates), have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph 10 (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. ---------------------------- Related Classes: As to any Uncertificated REMIC I Regular Interest, those classes of Certificates identified as "Related Classes of Certificates" to such Uncertificated REMIC I Regular Interest in the definition of Uncertificated REMIC I Regular Interest. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: (i) the Mortgage Loans and the related Mortgage Files, (ii) all payments and collections in respect of the Mortgage Loans due after the Cut-off Date as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property which secured a Mortgage Loan and which has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Mortgage Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01 herein, and (v) all proceeds of clauses (i) through (iv) above. REMIC I Certificates: The Class R-I Certificates. -------------------- REMIC II: The segregated pool of assets consisting of the Uncertificated REMIC I Regular Interests conveyed in trust to the Trustee for the benefit of the holders of each Class of Certificates (other than the Class R-I Certificates) pursuant to Section 2.06, with respect to which a separate REMIC election is to be made. REMIC II Certificates: Any Class of Certificates (other than the Class R-I Certificates). Senior Certificate: Any one of the Class A Certificates or Class R Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A and Exhibit D. Senior Percentage: As of any Distribution Date, the lesser of 100% and a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of the Senior Certificates (other than the Class A-P Certificates) immediately prior to 11 such Distribution Date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Senior Principal Distribution Amount: As to any Distribution Date before the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i), Section 4.02(a)(ii)(W) and Section 4.02(a)(ii)(X) of this Series Supplement, and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. As to any Distribution Date on or after the Credit Support Depletion Date, the lesser of (a) the balance of the Available Distribution Amount remaining after the distribution of (i) all amounts required to be distributed pursuant to Section 4.02(a)(i) and (ii) the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(c) of this Series Supplement, and (b) the sum of the amounts required to be distributed to the Senior Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(xvi) and 4.02(a)(xvii) of this Series Supplement. Special Hazard Amount: As of any Distribution Date, an amount equal to $4,242,402 minus the sum of (i) the aggregate amount of Special Hazard Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement and (ii) the Adjustment Amount (as defined below) as most recently calculated. For each anniversary of the Cut-off Date, the Adjustment Amount shall be equal to the amount, if any, by which the amount calculated in accordance with the preceding sentence (without giving effect to the deduction of the Adjustment Amount for such anniversary) exceeds the greater of (A) the greater of (i) the product of the Special Hazard Percentage for such anniversary multiplied by the outstanding principal balance of all the Mortgage Loans on the Distribution Date immediately preceding such anniversary and (ii) twice the outstanding principal balance of the Mortgage Loan with the largest outstanding principal balance as of the Distribution Date immediately preceding such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans, expressed as a percentage, and the denominator of which is equal to 30.9% (which percentage is equal to the percentage of Mortgage Loans by aggregate principal balance initially secured by Mortgaged Properties located in the State of California) and (ii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the largest Mortgage Loan secured by a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) located in the State of California. The Special Hazard Amount may be further reduced by the Master Servicer (including accelerating the manner in which coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency and (ii) provide a copy of such written confirmation to the Trustee. 12 Special Hazard Percentage: As of each anniversary of the Cut-off Date, the greater of (i) 1.0% and (ii) the largest percentage obtained by dividing the aggregate outstanding principal balance (as of immediately preceding Distribution Date) of the Mortgage Loans secured by Mortgaged Properties located in a single, five-digit zip code area in the State of California by the outstanding principal balance of all the Mortgage Loans as of the immediately preceding Distribution Date. Subordinate Principal Distribution Amount: With respect to any Distribution Date and each Class of Subordinate Certificates, (a) the sum of (i) the product of (x) the related Subordinate Class Percentage for such Class and (y) the aggregate of the amounts calculated (without giving effect to the related Senior Percentages) for such Distribution Date under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A); (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the principal collections described in Section 4.02(a)(ii)(Y)(B)(b) (without giving effect to the Senior Accelerated Distribution Percentage) to the extent such collections are not otherwise distributed to the Senior Certificates; (iii) the product of (x) the related Prepayment Distribution Percentage and (y) the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments with respect to a Discount Mortgage Loan) to the extent not payable to the Senior Certificates; (iv) if such Class is the Class of Subordinate Certificates with the Highest Priority, any Excess Subordinate Principal Amount for such Distribution Date; and (v) any amounts described in clauses (i), (ii) and (iii) as determined for any previous Distribution Date, that remain undistributed to the extent that such amounts are not attributable to Realized Losses which have been allocated to a Class of Subordinate Certificates minus (b) with respect to the Class of Subordinate Certificates with the Lowest Priority, any Excess Subordinate Principal Amount for such Distribution Date; provided, however, that the Subordinate Principal Distribution Amount for any Class of Subordinate Certificates on any Distribution Date shall in no event exceed the outstanding Certificate Principal Balance of such Class of Certificates immediately prior to such date. Targeted Principal Balance: With respect to any of the Class A-4 Certificates and any Distribution Date, the amount set forth in Exhibit 5 opposite such date. Uncertificated Accrued Interest: With respect to each Distribution Date, (i) as to each Uncertificated REMIC I Regular Interest other than each Uncertificated REMIC I Regular Interest Z, an amount equal to the aggregate amount of Accrued Certificate Interest that would result under the terms of the definition thereof on the Related Classes of Certificates if the Pass-Through Rate on such Classes were equal to the Uncertificated Pass-Through Rate on such Uncertificated REMIC I Regular Interest, (ii) as to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, an amount equal to one month's interest at the Pool Strip Rate of the related Mortgage Loan on the principal balance of such Mortgage Loan reduced by such Interest's pro-rata share of any prepayment interest shortfalls or other reductions of interest allocable to the Class A-V Certificates. 13 Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests the per annum rate specified in the definition of Uncertificated REMIC I Regular Interests. With respect to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan. Uncertificated Principal Balance: With respect to each Uncertificated REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I Regular Interest. Uncertificated REMIC I Regular Interests: The Uncertificated REMIC I Regular Interests Z together with the interests identified in the table below, each representing an undivided beneficial ownership interest in REMIC I, and having the following characteristics: 1. The principal balance from time to time of each Uncertificated REMIC I Regular Interest identified in the table below shall be the amount identified as the Initial Principal Balance thereof in such table, minus (ii) the sum of (x) the aggregate of all amounts previously deemed distributed with respect to such interest and applied to reduce the Uncertificated Principal Balance thereof pursuant to Section 10.04(a)(ii) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a).
Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance V Class A-1, Class A-2 5.50% $ 46,818,000.00 W Class A-5, Class A-5A 8.50% $ 23,409,000.00 X Class A-P 0.00% $ 1,246,429.68 Y Class A-3, Class A-4, Class 6.50% $352,766,715.66 A-6, Class A-7, Class A-8, Class A-9, Class R-II, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3
14 Uncertificated REMIC I Regular Interests Z: Each of the 2,077 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2,077, each relating to the particular Mortgage Loan identified by such sequential number on the Mortgage Loan Schedule, each having no principal balance, and each bearing interest at the respective Pool Strip Rate on the Stated Principal Balance of the related Mortgage Loan. Uncertificated REMIC I Regular Interests Z Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Uncertificated REMIC I Regular Interest Distribution Amounts: With respect to each Uncertificated REMIC I Regular Interest, other than the Uncertificated REMIC I Regular Interests Z, the amount specified as the Uncertificated REMIC I Regular Interest Distribution Amount with respect thereto in the definition of Uncertificated REMIC I Regular Interests. With respect to the Uncertificated REMIC I Regular Interests Z, the Uncertificated REMIC I Regular Interests Z Distribution Amount. Uncertificated REMIC II Regular Interests Z: Each of the 2,077 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 2,077 each relating to the identically numbered Uncertificated REMIC I Regular Interests Z, each having no principal balance and bearing interest at a rate equal to the related Pool Strip Rate on the Stated Principal Balance of the Mortgage Loan related to the identically numbered Uncertificated REMIC I Regular Interests Z, comprising such Uncertificated REMIC II Regular Interest's pro rata share of the amount distributed pursuant to Sections 10.04(a). Uncertificated REMIC II Regular Interests Distribution Amount: With respect to any Distribution Date, the sum of the amounts deemed to be distributed on the Uncertificated REMIC I Regular Interests Z for such Distribution Date pursuant to Section 10.04(a). Section 1.02...Use of Words and Phrases. "Herein," "hereby," "hereunder," "hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definitions set forth herein include both the singular and the plural. Section 1.03. Determination of LIBOR. ---------------------- LIBOR applicable to the calculation of the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates, if any, for any Interest Accrual Period (other than the initial Interest Accrual Period) will be determined as described below: On each Distribution Date, LIBOR shall be established by the Trustee and, as to any Interest Accrual Period, will equal the rate for one month United States dollar deposits that appears on the Telerate Screen Page 3750 of the Bridge Telerate Capital Markets Report as of 11:00 a.m., London time, on the second LIBOR Business Day prior to the first day of such Interest Accrual Period 15 ("LIBOR Rate Adjustment Date"). "Telerate Screen Page 3750" means the display designated as page 3750 on the Telerate Service (or such other page as may replace page 3750 on that service for the purpose of displaying London interbank offered rates of major banks). If such rate does not appear on such page (or such other page as may replace that page on that service, or if such service is no longer offered, LIBOR shall be so established by use of such other service for displaying LIBOR or comparable rates as may be selected by the Trustee after consultation with the Master Servicer), the rate will be the Reference Bank Rate. The "Reference Bank Rate" will be determined on the basis of the rates at which deposits in U.S. Dollars are offered by the reference banks (which shall be any three major banks that are engaged in transactions in the London interbank market, selected by the Trustee after consultation with the Master Servicer) as of 11:00 a.m., London time, on the day that is one LIBOR Business Day prior to the immediately preceding Distribution Date to prime banks in the London interbank market for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. The Trustee will request the principal London office of each of the reference banks to provide a quotation of its rate. If at least two such quotations are provided, the rate will be the arithmetic mean of the quotations rounded up to the next multiple of 1/16%. If on such date fewer than two quotations are provided as requested, the rate will be the arithmetic mean of the rates quoted by one or more major banks in New York City, selected by the Trustee after consultation with the Master Servicer, as of 11:00 a.m., New York City time, on such date for loans in U.S. Dollars to leading European banks for a period of one month in amounts approximately equal to the aggregate Certificate Principal Balance of the Adjustable Rate Certificates then outstanding. If no such quotations can be obtained, the rate will be LIBOR for the prior Distribution Date, or, in the case of the first LIBOR Rate Adjustment Date, 1.85%; provided however, if, under the priorities described above, LIBOR for a Distribution Date would be based on LIBOR for the previous Distribution Date for the third consecutive Distribution Date, the Trustee shall select an alternative comparable index (over which the Trustee has no control), used for determining one-month Eurodollar lending rates that is calculated and published (or otherwise made available) by an independent party. "LIBOR Business Day" means any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the city of London, England are required or authorized by law to be closed. The establishment of LIBOR by the Trustee on any LIBOR Rate Adjustment Date and the Trustee's subsequent calculation of the Pass-Through Rates applicable to each of the Floater Certificates and Inverse Floater Certificates for the relevant Interest Accrual Period, in the absence of manifest error, will be final and binding. Promptly following each LIBOR Rate Adjustment Date the Trustee shall supply the Master Servicer with the results of its determination of LIBOR on such date. Furthermore, the Trustee will supply to any Certificateholder so requesting by telephone the Pass-Through Rates on each of the Floater Certificates and Inverse Floater Certificates for the current and the immediately preceding Interest Accrual Period. 16 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms) Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms) Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) For representations, warranties and covenants of the Master Servicer, see Section 2.03(a) of the Standard Terms. (b) The Company hereby represents and warrants to the Trustee for the benefit of Certificateholders that as of the Closing Date (or, if otherwise specified below, as of the date so specified): (i) No Mortgage Loan is 30 or more days Delinquent in payment of principal and interest as of the Cut-off Date and no Mortgage Loan has been so Delinquent more than once in the 12-month period prior to the Cut-off Date; (ii) The information set forth in Exhibit One hereto with respect to each Mortgage Loan or the Mortgage Loans, as the case may be, is true and correct in all material respects at the date or dates respecting which such information is furnished; (iii) The Mortgage Loans are fully-amortizing, fixed-rate mortgage loans with level Monthly Payments due on the first day of each month and terms to maturity at origination or modification of not more than 30 years; (iv) To the best of the Company's knowledge, except in the case of eight mortgage loans representing approximately 0.2% of the Mortgage Loans, if a Mortgage Loan is secured by a Mortgaged Property with a Loan-to-Value Ratio at origination in excess of 80%, such Mortgage Loan is the subject of a Primary Insurance Policy that insures (a) at least 35% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 100.00% and 95.01%, (b) at least 30% of the Stated Principal Balance of the Mortgage Loan at origination if the Loan-to-Value Ratio is between 95.00% and 90.01%, (c) at least 25% of such balance if the Loan-to-Value Ratio is between 90.00% and 85.01% and (d) at least 12% of such balance if the Loan-to-Value Ratio is between 85.00% and 80.01%. To the best of the Company's knowledge, each such Primary Insurance Policy is in full force and effect and the Trustee is entitled to the benefits thereunder; (v) The issuers of the Primary Insurance Policies are insurance companies whose claims-paying abilities are currently acceptable to each Rating Agency; 17 (vi) No more than 0.4% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in California and no more than 0.4% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area outside California; (vii) The improvements upon the Mortgaged Properties are insured against loss by fire and other hazards as required by the Program Guide, including flood insurance if required under the National Flood Insurance Act of 1968, as amended. The Mortgage requires the Mortgagor to maintain such casualty insurance at the Mortgagor's expense, and on the Mortgagor's failure to do so, authorizes the holder of the Mortgage to obtain and maintain such insurance at the Mortgagor's expense and to seek reimbursement therefor from the Mortgagor; (viii) Immediately prior to the assignment of the Mortgage Loans to the Trustee, the Company had good title to, and was the sole owner of, each Mortgage Loan free and clear of any pledge, lien, encumbrance or security interest (other than rights to servicing and related compensation) and such assignment validly transfers ownership of the Mortgage Loans to the Trustee free and clear of any pledge, lien, encumbrance or security interest; (ix) Approximately 49.53% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 13.49% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 2.90% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; (x) Except with respect to approximately 15.01% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date, the Mortgagor represented in its loan application with respect to the related Mortgage Loan that the Mortgaged Property would be owner-occupied; (xi) None of the Mortgage Loans is a Buy-Down Mortgage Loan; (xii) Each Mortgage Loan constitutes a qualified mortgage under Section 860G(a)(3)(A) of the Code and Treasury Regulations Section 1.860G-2(a)(1); (xiii) A policy of title insurance was effective as of the closing of each Mortgage Loan and is valid and binding and remains in full force and effect, unless the Mortgaged Properties are located in the State of Iowa and an attorney's certificate has been provided as described in the Program Guide; (xiv) None of the Mortgage Loans is a Cooperative Loan; with respect to a Mortgage Loan that is a Cooperative Loan, the Cooperative Stock that is pledged as security for the Mortgage Loan is held by a person as a tenant-stockholder (as defined in Section 216 of the Code) in a cooperative housing corporation (as defined in Section 216 of the Code); 18 (xv) With respect to each Mortgage Loan originated under a "streamlined" Mortgage Loan program (through which no new or updated appraisals of Mortgaged Properties are obtained in connection with the refinancing thereof), the related Seller has represented that either (a) the value of the related Mortgaged Property as of the date the Mortgage Loan was originated was not less than the appraised value of such property at the time of origination of the refinanced Mortgage Loan or (b) the Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of the Mortgage Loan generally meets the Company's underwriting guidelines; (xvi)Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; (xvii) None of the Mortgage Loans contains in the related Mortgage File a Destroyed Mortgage Note; (xviii) No more than 0.1% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-Off Date will have been made to International Borrowers, and no such Mortgagor is a member of a foreign diplomatic mission with diplomatic rank; (xix) No Mortgage Loan provides for payments that are subject to reduction by withholding taxes levied by any foreign (non-United States) sovereign government; and (xx) None of the Mortgage Loans are Additional Collateral Loans and none of the Mortgage Loans are Pledged Asset Loans. It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) that materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the event of a breach of the representation and warranty set forth in Section 2.03(b)(xii), the party discovering such breach shall give such notice within five days of discovery. Within 90 days of its discovery or its receipt of notice of breach, the Company shall either (i) cure such breach in all material respects or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that the Company shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. Any such substitution shall be effected by the Company under the same terms and conditions as provided in Section 2.04 for substitutions by Residential Funding. It is understood and 19 agreed that the obligation of the Company to cure such breach or to so purchase or substitute for any Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of the Certificateholders. Notwithstanding the foregoing, the Company shall not be required to cure breaches or purchase or substitute for Mortgage Loans as provided in this Section 2.03(b) if the substance of the breach of a representation set forth above also constitutes fraud in the origination of the Mortgage Loan. Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. The Trustee acknowledges the assignment to it of the Mortgage Loans and the delivery of the Mortgage Files to it, or any Custodian on its behalf, subject to any exceptions noted, together with the assignment to it of all other assets included in the Trust Fund and/or the applicable REMIC, receipt of which is hereby acknowledged. Concurrently with such delivery and in exchange therefor, the Trustee, pursuant to the written request of the Company executed by an officer of the Company, has executed and caused to be authenticated and delivered to or upon the order of the Company the Class R-I Certificates in authorized denominations which together with the Uncertificated REMIC I Regular Interests, evidence ownership of REMIC I. Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. The Company, as of the Closing Date, and concurrently with the execution and delivery hereof, does hereby assign without recourse all the right, title and interest of the Company in and to the Uncertificated REMIC I Regular Interests to the Trustee for the benefit of the Holders of each Class of Certificates (other than the Class R-I Certificates). The Trustee acknowledges receipt of the Uncertificated REMIC I Regular Interests and declares that it holds and will hold the same in trust for the exclusive use and benefit of all present and future Holders of each Class of Certificates (other than the Class R-I Certificates). The rights of the Holders of each Class of Certificates (other than the Class R-I Certificates) to receive distributions from the proceeds of REMIC II in respect of such Classes, and all ownership interests of the Holders of such Classes in such distributions, shall be as set forth in this Agreement. Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II. The Trustee acknowledges the assignment to it of the Uncertificated REMIC I Regular Interests and, concurrently therewith and in exchange therefor, pursuant to the written request of the Company executed by an officer of the Company, the Trustee has executed and caused to be authenticated and delivered to or upon the order of the Company, all Classes of Certificates (other than the Class R-I Certificates) in authorized denominations, which evidence ownership of the entire REMIC II. Section 2.08. Purposes and Powers of the Trust. (See Section 2.08 of the Standard Terms) 20 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS (SEE ARTICLE III OF THE STANDARD TERMS) 21 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (See Section 4.01 of the Standard Terms) Section 4.02. Distributions. (a) On each Distribution Date (x) the Master Servicer on behalf of the Trustee or (y) the Paying Agent appointed by the Trustee, shall distribute to the Master Servicer, in the case of a distribution pursuant to Section 4.02(a)(iii) below, the amount required to be distributed to the Master Servicer or a Sub-Servicer pursuant to Section 4.02(a)(iii) below, and to each Certificateholder of record on the next preceding Record Date (other than as provided in Section 9.01 respecting the final distribution) either in immediately available funds (by wire transfer or otherwise) to the account of such Certificateholder at a bank or other entity having appropriate facilities therefor, if such Certificateholder has so notified the Master Servicer or the Paying Agent, as the case may be, or, if such Certificateholder has not so notified the Master Servicer or the Paying Agent by the Record Date, by check mailed to such Certificateholder at the address of such Holder appearing in the Certificate Register such Certificateholder's share (which share (A) with respect to each Class of Certificates (other than any Subclass of the Class A-V Certificates), shall be based on the aggregate of the Percentage Interests represented by Certificates of the applicable Class held by such Holder or (B) with respect to any Subclass of the Class A-V Certificates, shall be equal to the amount (if any) distributed pursuant to Section 4.02(a)(i) below to each Holder of a Subclass thereof) of the following amounts, in the following order of priority (subject to the provisions of Section 4.02(b), (c) and (e) below), in each case to the extent of the Available Distribution Amount remaining: (i) to the Senior Certificates (other than the Class A-P Certificates and prior to the related Accretion Termination Date, the related Accrual Certificates to the extent of the related Accrual Distribution Amount), on a pro rata basis based on Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, Accrued Certificate Interest on such Classes of Certificates (or Subclasses, if any, with respect to the Class A-V Certificates) for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date except as provided in the last paragraph of this Section 4.02(a); and (ii) (W) to the Class A-P Certificates, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balances of such Senior Certificates); (X) to the Class Accretion Directed Certificates, until the Certificate Principal Balance of the Accretion Directed Certificates has been reduced to zero, the Accrual Distribution Amount; and (Y) to the Senior Certificates (other than the Class A-P Certificates), in the priorities and amounts set forth in Section 4.02(b) and (c), the sum of the following (applied to reduce the Certificate Principal Balances of such Senior Certificates, as applicable): 22 (A) the Senior Percentage for such Distribution Date times the sum of the following: (1) the principal portion of each Monthly Payment due during the related Due Period on each Outstanding Mortgage Loan (other than the related Discount Fraction of the principal portion of such payment with respect to a Discount Mortgage Loan), whether or not received on or prior to the related Determination Date, minus the principal portion of any Debt Service Reduction (other than the related Discount Fraction of the principal portion of such Debt Service Reductions with respect to each Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (2) the Stated Principal Balance of any Mortgage Loan repurchased during the preceding calendar month (or deemed to have been so repurchased in accordance with Section 3.07(b)) pursuant to Section 2.02, 2.03, 2.04 or 4.07 and the amount of any shortfall deposited in the Custodial Account in connection with the substitution of a Deleted Mortgage Loan pursuant to Section 2.03 or 2.04 during the preceding calendar month (other than the related Discount Fraction of such Stated Principal Balance or shortfall with respect to each Discount Mortgage Loan); and (3) the principal portion of all other unscheduled collections (other than Principal Prepayments in Full and Curtailments and amounts received in connection with a Cash Liquidation or REO Disposition of a Mortgage Loan described in Section 4.02(a)(ii)(Y)(B) of this Series Supplement, including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds) received during the preceding calendar month (or deemed to have been so received in accordance with Section 3.07(b) of the Standard Terms) to the extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (other than the related Discount Fraction of the principal portion of such unscheduled collections, with respect to each Discount Mortgage Loan); (B) with respect to each Mortgage Loan for which a Cash Liquidation or a REO Disposition occurred during the preceding calendar month (or was deemed to have occurred during such period in accordance with Section 3.07(b) of the Standard Terms) and did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (a) the Senior Percentage for such Distribution Date times the Stated Principal Balance of such Mortgage Loan (other than the related Discount Fraction of such Stated Principal Balance, with respect to each Discount Mortgage Loan) and (b) the Senior Accelerated Distribution Percentage for such Distribution Date times the related unscheduled collections (including without limitation Insurance Proceeds, Liquidation Proceeds and REO Proceeds) to the 23 extent applied by the Master Servicer as recoveries of principal of the related Mortgage Loan pursuant to Section 3.14 of the Standard Terms (in each case other than the portion of such unscheduled collections, with respect to a Discount Mortgage Loan, included in Section 4.02(b)(i)(C) of this Series Supplement); (C) the Senior Accelerated Distribution Percentage for such Distribution Date times the aggregate of all Principal Prepayments in Full received in the related Prepayment Period and Curtailments received in the preceding calendar month (other than the related Discount Fraction of such Principal Prepayments in Full and Curtailments, with respect to each Discount Mortgage Loan); (D) any Excess Subordinate Principal Amount for such Distribution Date; and (E) any amounts described in subsection (ii)(Y), clauses (A), (B) and (C) of this Section 4.02(a), as determined for any previous Distribution Date, which remain unpaid after application of amounts previously distributed pursuant to this clause (E) to the extent that such amounts are not attributable to Realized Losses which have been allocated to the Subordinate Certificates; (iii) if the Certificate Principal Balances of the Subordinate Certificates have not been reduced to zero, to the Master Servicer or a Sub-Servicer, by remitting for deposit to the Custodial Account, to the extent of and in reimbursement for any Advances or Sub-Servicer Advances previously made with respect to any Mortgage Loan or REO Property which remain unreimbursed in whole or in part following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property, minus any such Advances that were made with respect to delinquencies that ultimately constituted Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses; (iv) to the Holders of the Class M-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (v) to the Holders of the Class M-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(vii), (ix), (xi), (xiii), (xiv) and (xv) of this Series Supplement are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-1 Certificates; (vi) to the Holders of the Class M-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (vii) to the Holders of the Class M-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date, minus (y) the amount 24 of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a) (ix), (xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-2 Certificates; (viii) to the Holders of the Class M-3 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (ix) to the Holders of the Class M-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xi), (xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-3 Certificates; (x) to the Holders of the Class B-1 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xi) to the Holders of the Class B-1 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiii), (xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-1 Certificates; (xii) to the Holders of the Class B-2 Certificates, the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below; (xiii) to the Holders of the Class B-2 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Sections 4.02(a)(xiv) and (xv) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-2 Certificates; (xiv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Section 4.02(a) (xv) are insufficient therefor; 25 (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates applied in reduction of the Certificate Principal Balance of the Class B-3 Certificates; (xvi) to the Senior Certificates, on a pro rata basis in accordance with their respective outstanding Certificate Principal Balances, the portion, if any, of the Available Distribution Amount remaining after the foregoing distributions, applied to reduce the Certificate Principal Balances of such Senior Certificates, but in no event more than the aggregate of the outstanding Certificate Principal Balances of each such Class of Senior Certificates, and thereafter, to each Class of Subordinate Certificates then outstanding beginning with such Class with the Highest Priority, any portion of the Available Distribution Amount remaining after the Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of Subordinate Certificates, but in no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xvii) to the Class R-I Certificates, the balance, if any, of the Available Distribution Amount. Notwithstanding the foregoing, on any Distribution Date, with respect to the Class of Subordinate Certificates outstanding on such Distribution Date with the Lowest Priority, or in the event the Subordinate Certificates are no longer outstanding, the Senior Certificates, Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date will be distributable only to the extent that such unpaid Accrued Certificate Interest was attributable to interest shortfalls relating to the failure of the Master Servicer to make any required Advance, or the determination by the Master Servicer that any proposed Advance would be a Nonrecoverable Advance with respect to the related Mortgage Loan where such Mortgage Loan has not yet been the subject of a Cash Liquidation or REO Disposition or the related Liquidation Proceeds, Insurance Proceeds and REO Proceeds have not yet been distributed to the Certificateholders. (b) Distributions of principal on the Senior Certificates on each Distribution Date occurring prior to the Credit Support Depletion Date will be made as follows: (i) first, to the Class A-P Certificates, until the Certificate Principal Balance thereof is reduced to zero, an amount (the "Class A-P Principal Distribution Amount") equal to the aggregate of: (A) the related Discount Fraction of the principal portion of each Monthly Payment on each Discount Mortgage Loan due during the related Due Period, whether or not received on or prior to the related Determination Date, minus the Discount Fraction of the principal portion of any related Debt Service Reduction which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; 26 (B) the related Discount Fraction of the principal portion of all unscheduled collections on each Discount Mortgage Loan received during the preceding calendar month or, in the case of Principal Prepayments in Full, during the related Prepayment Period (other than amounts received in connection with a Cash Liquidation or REO Disposition of a Discount Mortgage Loan described in clause (C) below), including Principal Prepayments in Full, Curtailments and repurchases (including deemed repurchases under Section 3.07(b) of the Standard Terms) of Discount Mortgage Loans (or, in the case of a substitution of a Deleted Mortgage Loan, the Discount Fraction of the amount of any shortfall deposited in the Custodial Account in connection with such substitution); (C) in connection with the Cash Liquidation or REO Disposition of a Discount Mortgage Loan that did not result in any Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, an amount equal to the lesser of (1) the applicable Discount Fraction of the Stated Principal Balance of such Discount Mortgage Loan immediately prior to such Distribution Date and (2) the aggregate amount of the collections on such Mortgage Loan to the extent applied as recoveries of principal; (D) any amounts allocable to principal for any previous Distribution Date (calculated pursuant to clauses (A) through (C) above) that remain undistributed; and (E) the amount of any Class A-P Collection Shortfalls for such Distribution Date and the amount of any Class A-P Collection Shortfalls remaining unpaid for all previous Distribution Dates, but only to the extent of the Eligible Funds for such Distribution Date; and (ii) second, the Accrual Distribution Amount shall be distributed to the Accretion Directed Certificates, until the Certificate Principal Balance of the Accretion Directed Certificates has been reduced to its Targeted Principal Balance for such Distribution Date as set forth in the table entitled "Planned Principal Balances and Targeted Principal Balances" attached to this Agreement as Exhibit Five; (iii) third, the Senior Principal Distribution Amount shall be distributed to the Class R-I Certificates and Class R-II Certificates, on a pro rata basis in proportion to their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero; and (iv) fourth, the balance of the Senior Principal Distribution Amount remaining after the distribution described in Section 4.02(b)(iii) shall be distributed in the following manner and priority: 27 (A) first, to the Lockout Certificates, until the Certificate Principal Balance of the Lockout Certificates has been reduced to zero, in an amount equal to the sum of the following: (1) the Lockout Scheduled Percentage of the Lockout Certificates' pro rata share (based on the Certificate Principal Balance thereof relative to the aggregate Certificate Principal Balance of all Classes of Certificates (other than the Class A-P Certificates)) of the aggregate of the collections described in clauses (A), (B) and (E) (to the extent clause (E) relates to clauses (A) and (B)) of Section 4.02(a)(ii)(Y), without application of the Senior Percentage or the Senior Accelerated Distribution Percentage; and (2) the Lockout Prepayment Percentage of the Lockout Certificates' pro rata share (based on the Certificate Principal Balance thereof relative to the aggregate Certificate Principal Balance of all Classes of certificates (other than the Class A-P Certificates)) of the aggregate of the collections described in clauses (C) and (E) (to the extent clause (E) relates to clause (C)) of Section 4.02(a)(ii)(Y), without application of the Senior Accelerated Distribution Percentage; provided that, if the aggregate of the amounts set forth in clauses (A), (B), (C) and (E) of Section 4.02(a)(ii)(Y) is more than the balance of the Available Distribution Amount remaining after the Accrued Certificate Interest due on the Senior Certificates, the Class A-P Distribution Amount and the Accrual Distribution Amount have been distributed, the amount paid to the Lockout Certificates pursuant to this Section 4.02(b)(iv)(A) shall be reduced by an amount equal to the Lockout Certificates' pro rata share (based on the Certificate Principal Balance of the Lockout Certificates relative to the aggregate Certificate Principal Balance of the Senior Certificates) of such difference; (B) second, after the payment of principal made in accordance with Section 4.02(b)(iv)(A) above, concurrently, as follows: (1) 50.9940549663% of the amount described in Section 4.02(b)(iv)(B), concurrently, as follows, until the Certificate Principal Balance of the Class A-3 Certificates has been reduced to zero: (a) 87.9873386549% of the amount described in Section 4.02(b)(iv)(B)(1) above to the Class A-3 Certificates; and (b) 12.0126613451% of the amount described in Section 4.02(b)(iv)(B)(1) above to the Class A-6 Certificates; and (2) 49.0059450337% of the amount described in Section 4.02(b)(iv)(B) above, in the following order of priority: (a) first, concurrently, as follows: 28 (i) 33.3333333333% of the amount described in Section 4.02(b)(iv)(B)(2) above, to the Class A-5 Certificates, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to its Planned Principal Balance for such Distribution Date as set forth in the table entitled "Planned Principal Balances and Targeted Principal Balances" attached to this Agreement as Exhibit Five; and (ii)66.6666666667% of the amount described in Section 4.02(b)(iv)(B)(2) above, sequentially to the Class A-1 Certificates and Class A-2 Certificates, in that order, until the Certificate Principal Balances of the Class A-1 Certificates and Class A-2 Certificates have been reduced to their respective Planned Principal Balances for such Distribution Date as set forth in the table entitled "Planned Principal Balances and Targeted Principal Balances" attached to this Agreement as Exhibit Five; (b) second, after the payments of principal made in accordance with Section 4.02(b)(iv)(B)(2)(a) above, to the Class A-4 Certificates, until the Certificate Principal Balance of the Class A-4 Certificates, after taking into account the payments described in Section 4.02(b)(ii) above, has been reduced to the Targeted Principal Balance for such Distribution Date as set forth in the table entitled "Planned Principal Balances and Targeted Principal Balances" attached to this Agreement as Exhibit Five; (c) third, after the payments of principal made in accordance with Sections 4.02(b)(iv)(B)(2)(a) and 4.02(b)(iv)(B)(2)(b) above, to the Class A-7 Certificates, until the Certificate Principal Balance of the Class A-7 Certificates has been reduced to zero; (d) fourth, after the payments of principal made in accordance with Sections 4.02(b)(iv)(B)(2)(a) through 4.02(b)(iv)(B)(2)(c) above, to the Class A-4 Certificates, without regard to its Targeted Principal Balance for that Distribution Date, until the Certificate Principal Balance of the Class A-4 Certificates has been reduced to zero; and (e) fifth, after the payments of principal made in accordance with Sections 4.02(b)(iv)(B)(2)(a) through 4.02(b)(iv)(B)(2)(d) above, concurrently, as follows: (i) 33.3333333333% of the amount described in Section 4.02(b)(iv)(B)(2)(e) above, to the Class A-5 Certificates, without regard to its Planned Principal Balance for that Distribution Date, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to zero; and (ii)66.6666666667% of the amount described in Section 4.02(b)(iv)(B)(2)(e) above, sequentially to the Class A-1 Certificates and Class A-2 Certificates, in that 29 order, without regard to their Planned Principal Balances for that Distribution Date, until the Certificate Principal Balance of each of the Class A-1 Certificates and Class A-2 Certificates has been reduced to zero; (C) third, after the payments of principal made in accordance with Sections 4.02(b)(iv)(A) and 4.02(b)(iv)(B) above, concurrently as follows: (1) 84.3754882660% of the remaining Senior Principal Distribution Amount to the Class A-8 Certificates, until the Certificate Principal Balance of the Class A-8 Certificates has been reduced to zero; and (2) 15.6245117340% of the remaining Senior Principal Distribution Amount to the Class A-6 Certificates, until the Certificate Principal Balance of the Class A-6 Certificates has been reduced to zero; and (D) fourth, after the payments of principal made in accordance with Sections 4.02(b)(iv)(A) through 4.02(b)(iv)(C) above, to the Class A-9 Certificates, until the Certificate Principal Balance of the Class A-9 Certificates has been reduced to zero. (c) On or after the Credit Support Depletion Date, all priorities relating to distributions as described in Section 4.02(b) above in respect of principal among the various classes of Senior Certificates (other than the Class A-P Certificates) will be disregarded, and (i) an amount equal to the Discount Fraction of the principal portion of scheduled payments and unscheduled collections received or advanced in respect of the Discount Mortgage Loans will be distributed to the Class A-P Certificates, (ii) the Senior Principal Distribution Amount will be distributed to the remaining Senior Certificates (other than the Class A-P Certificates) pro rata in accordance with their respective outstanding Certificate Principal Balances and (iii) the amount set forth in Section 4.02(a)(i) will be distributed as set forth therein. (d) After the reduction of the Certificate Principal Balances of the Senior Certificates (other than the Class A-P Certificates) to zero but prior to the Credit Support Depletion Date, the Senior Certificates (other than the Class A-P Certificates) will be entitled to no further distributions of principal thereon and the Available Distribution Amount will be paid solely to the holders of the Class A-P, Class A-V and Subordinate Certificates, in each case as described herein. (e) In addition to the foregoing distributions, with respect to any Mortgage Loan that was previously the subject of a Cash Liquidation or an REO Disposition that resulted in a Realized Loss, in the event that within two years of the date on which such Realized Loss was determined to have occurred the Master Servicer receives amounts, which the Master Servicer reasonably believes to represent subsequent recoveries (net of any related liquidation expenses), or determines that it holds surplus amounts previously reserved to cover estimated expenses, specifically related to such Mortgage Loan (including, but not limited to, recoveries in respect of the representations and warranties made by the related Seller pursuant to the applicable Seller's Agreement and assigned to the Trustee pursuant to Section 2.04), the Master Servicer shall distribute such amounts to the applicable Certificateholders of the Class or Classes to which such Realized Loss was allocated (with the amounts to be distributed allocated among such 30 Classes in the same proportions as such Realized Loss was allocated), and within each such Class to the Certificateholders of record as of the Record Date immediately preceding the date of such distribution (or if such Class of Certificates is no longer outstanding, to the Certificateholders of record at the time that such Realized Loss was allocated); provided that no such distribution to any Class of Certificates of subsequent recoveries related to a Mortgage Loan shall exceed, either individually or in the aggregate and together with any other amounts paid in reimbursement therefor, the amount of the related Realized Loss that was allocated to such Class of Certificates. Notwithstanding the foregoing, no such distribution shall be made with respect to the Certificates of any Class to the extent that either (i) such Class was protected against the related Realized Loss pursuant to any instrument or fund established under Section 11.01(e) or (ii) such Class of Certificates has been deposited into a separate trust fund or other structuring vehicle and separate certificates or other instruments representing interests therein have been issued in one or more classes, and any of such separate certificates or other instruments was protected against the related Realized Loss pursuant to any limited guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or a combination thereof. Any amount to be so distributed with respect to the Certificates of any Class shall be distributed by the Master Servicer to the Certificateholders of record as of the Record Date immediately preceding the date of such distribution (i) with respect to the Certificates of any Class (other than the Class A-V Certificates), on a pro rata basis based on the Percentage Interest represented by each Certificate of such Class as of such Record Date and (ii) with respect to the Class A-V Certificates, to the Class A-V Certificates or any Subclass thereof in the same proportion as the related Realized Loss was allocated. Any amounts to be so distributed shall not be remitted to or distributed from the Trust Fund, and shall constitute subsequent recoveries with respect to Mortgage Loans that are no longer assets of the Trust Fund. (f) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (g) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender 31 their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d). (h) On each Distribution Date preceding the Accretion Termination Date, Accrued Certificate Interest that would otherwise be distributed to the Accrual Certificates will be added to the Certificate Principal Balance of the Accrual Certificates and such amount will thereafter accrue interest at a rate of 6.50% per annum. On the Accretion Termination Date, the Accrued Certificate Interest on the Accrual Certificates for such date will be payable to the holders of the Accretion Directed Certificates as a distribution of principal pursuant to Section 4.02(b)(ii) until the Certificate Principal Balance of the Accretion Directed Certificates has been reduced to zero, any such amount will be added to the Certificate Principal Balance of the Accrual Certificates, and any remaining amount of Accrued Certificate Interest will be paid to the holders of the Accrual Certificates as a distribution of interest and will not be added to the Certificate Principal Balance thereof; provided, however, if the Accretion Termination Date is the Credit Support Depletion Date, the entire amount of Accrued Certificate Interest on the Accrual Certificates for such date will be payable to the holders of the Accrual Certificates as a distribution of interest and will not be added to the Certificate Principal Balance thereof. Section 4.03. Statements to Certificateholders. (See Section 4.03 of the Standard Terms and Exhibit Three attached hereto) Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (See Section 4.04 of the Standard Terms) Section 4.05. Allocation of Realized Losses. Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due during the related Due Period. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. All Realized Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class B-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class B-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class M-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class M-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; and, thereafter, if any such Realized Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an amount equal to the Discount Fraction of the principal portion thereof, and the remainder of such Realized Losses on the Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among all Senior Certificates (other than the Class A-P Certificates) on a pro rata basis, as described below. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be allocated to the Class A-P Certificates in an amount equal to the Discount Fraction thereof and the remainder of the principal portion of such Realized Losses on Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among the Senior Certificates (other than the Class A-P 32 Certificates) and Subordinate Certificates, on a pro rata basis, as described below. The interest portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses will be allocated to all the Certificates on a pro rata basis. As used herein, an allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates on the basis of their then outstanding Certificate Principal Balances prior to giving effect to distributions to be made on such Distribution Date in the case of the principal portion of a Realized Loss or based on the Accrued Certificate Interest thereon payable on such Distribution Date (without regard to any Compensating Interest for such Distribution Date) in the case of an interest portion of a Realized Loss. Except as provided in the following sentence, any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to a Class of Certificates shall be made by reducing the Certificate Principal Balance thereof by the amount so allocated, which allocation shall be deemed to have occurred on such Distribution Date; provided that the Certificate Principal Balance of the Accrual Certificates for purposes of this Section 4.05 shall be the lesser of (a) the Certificate Principal Balance of the Accrual Certificates as of the Closing Date, and (b) the Certificate Principal Balance of the Accrual Certificates as of the date of determination. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. 33 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms) Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms) Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms) 34 ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (See Section 5.01 of the Standard Terms) Section 5.02. Registration of Transfer and Exchange of Certificates. (a) - (e)(iii)(A). (See Section 5.02(a) - (e)(iii)(A) of the Standard Terms) (B) Any purported Certificate Owner whose acquisition or holding of any Class M Certificate (or interest therein) was effected in violation of the restrictions in this Section 5.02(e) shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, the Underwriter and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. (f) - (h). (See Section 5.02(f) - (h) of the Standard Terms) Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the Standard Terms) Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms) Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms) 35 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 36 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 37 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 38 ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 39 ARTICLE X REMIC PROVISIONS Section 10.01..REMIC Administration. (See Section 10.01 of the Standard Terms) Section 10.02..Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms) Section 10.03..Designation of REMICs. The REMIC Administrator will make an election to treat the entire segregated pool of assets described in the definition of Trust Fund, and subject to this Agreement (including the Mortgage Loans but excluding the Initial Monthly Payment Fund) as a REMIC ("REMIC I") and will make and election to treat the pool of assets comprised of the Uncertificated REMIC I Regular Interests as a REMIC ("REMIC II") for federal income tax purposes. The Uncertificated REMIC I Regular Interests will be "regular interests" in REMIC I and the Class R-I Certificates will be the sole class of "residual interests" in REMIC I for purposes of the REMIC Provisions (as defined herein) under the federal income tax law. The Class A-1, Class A-2, Class A-3, Class A-4, Class A-5, Class A-5A, Class A-6, Class A-7, Class A-8, Class A-9, Class A-P, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates and the Uncertificated REMIC II Regular Interests Z, the rights in and to which will be represented by the Class A-V Certificates, will be "regular interests" in REMIC II, and the Class R-II Certificates will be the sole class of "residual interests" therein for purposes of the REMIC Provisions (as defined herein) under federal income tax law. On and after the date of issuance of any Subclass of Class A-V Certificates pursuant to Section 5.01(c), any such Subclass will represent the Uncertificated REMIC II Regular Interest or Interests Z specified by the initial Holder of the Class A-V Certificates pursuant to said Section. Section 10.04..Distributions on the Uncertificated REMIC I and REMIC II Regular Interests (a)On each Distribution Date the Trustee shall be deemed to distribute to itself, as the holder of the Uncertificated REMIC I Regular Interests, the Uncertificated REMIC I Regular Interest Distribution Amounts in the following order of priority to the extent of the Available Distribution Amount reduced by distributions made to the Class R-I Certificates pursuant to Section 4.02(a): (i) Uncertificated Accrued Interest on the Uncertificated REMIC I Regular Interests for such Distribution Date, plus any Uncertificated Accrued Interest thereon remaining unpaid from any previous Distribution Date; and (ii) In accordance with the priority set forth in Section 10.04(b), an amount equal to the sum of the amounts in respect of principal distributable on each Class of Certificates (other than the Class R-I Certificates) under Section 4.02(a), as allocated thereto pursuant to Section 4.02(b). 40 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest V, (v) Uncertificated REMIC I Regular Interest W, (vi) Uncertificated REMIC I Regular Interest X and (vii) Uncertificated REMIC I Regular Interest Y with the amount to be distributed allocated among such interests in accordance with the priority assigned to each Related Class of Certificates (other than the Class R-I Certificates), respectively, under Section 4.02(b) until the Uncertificated Principal Balance of each such interest is reduced to zero. (c)The portion of the Uncertificated REMIC I Regular Interest Distribution Amounts described in Section 10.04(a)(ii) shall be deemed distributed by REMIC I to REMIC II in accordance with the priority assigned to the REMIC II Certificates relative to that assigned to the REMIC I Certificates under Section 4.02(b). (d)In determining from time to time the Uncertificated REMIC I Regular Interest Distribution Amounts and Uncertificated REMIC II Regular Interest Distribution Amounts: (i) Realized Losses allocated to the Class A-V Certificates under Section 4.05 shall be deemed allocated to the Uncertificated REMIC II Regular Interests pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC Regular II Interests for the Distribution Date for which such allocation is being made in the absence of such allocation; (ii) Realized Losses allocated to the Class A-1 Certificates and A-2 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (iii) Realized Losses allocated to the Class A-5 Certificates and Class A-5A Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (iv) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (v) Realized Losses allocated to the Class A-3, Class A-4, Class A-6, Class A-7, Class A-8, Class A-9, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 and Class R-II Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest Y; and (vi) Realized Losses allocated to the Uncertificated REMIC II Regular Interests under clause (i), above, shall be deemed allocated, in each case, to the related Uncertificated REMIC I Regular Interest Z. (e)On each Distribution Date the Trustee shall be deemed to distribute from REMIC II, in the priority set forth in Sections 4.02(a) and (b), to the Holders of each Class of Certificates (other than the Class R-I Certificates) the amounts distributable thereon from the Uncertificated REMIC I Regular Interest Distribution Amounts deemed to have been received by REMIC II from REMIC I under this Section 10.04. The amounts deemed distributed hereunder with respect to the Class A-V Certificates shall be deemed to have been distributed in respect of the Uncertificated REMIC II Regular Interests Z in accordance with 41 their respective Uncertificated REMIC II Regular Interest Distribution Amounts, as such Uncertificated REMIC II Regular Interests comprise the Class A-V Certificates. (f)Notwithstanding the deemed distributions on the Uncertificated REMIC I Regular Interests described in this Section 10.04, distributions of funds from the Certificate Account shall be made only in accordance with Section 4.02. Section 10.05. Compliance with Withholding Requirements. Notwithstanding any other provision of this Agreement, the Trustee or any Paying Agent, as applicable, shall comply with all federal withholding requirements respecting payments to Certificateholders, including interest or original issue discount payments or advances thereof that the Trustee or any Paying Agent, as applicable, reasonably believes are applicable under the Code. The consent of Certificateholders shall not be required for such withholding. In the event the Trustee or any Paying Agent, as applicable, does withhold any amount from interest or original issue discount payments or advances thereof to any Certificateholder pursuant to federal withholding requirements, the Trustee or any Paying Agent, as applicable, shall indicate the amount withheld to such Certificateholder pursuant to the terms of such requirements. 42 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (See Section 11.01 of the Standard Terms) Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms) Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms) Section 11.04. Governing Laws. (See Section 11.04 of the Standard Terms) Section 11.05. Notices. All demands and notices hereunder shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid (except for notices to the Trustee which shall be deemed to have been duly given only when received), to the appropriate address for each recipient listed in the table below or, in each case, such other address as may hereafter be furnished in writing to the Master Servicer, the Trustee and the Company, as applicable: RECIPIENT ADDRESS Company 8400 Normandale Lake Boulevard Suite 250, Minneapolis, Minnesota 55437, Attention: President Master Servicer 2255 N. Ontario Street, Suite 400 Burbank, California 91504-2130, Attention: Managing Director/Master Servicing Trustee Corporate Trust Office 1761 East St. Andrew Place Santa Ana, California 92705-4934, Attention: Residential Accredit Loans, Inc. Series 2002-QS1 The Trustee designates its offices located at Four Albany Street, New York, New York 10006, for the purposes of Section 8.12 of the Standard Terms Moody's Investors Service, Inc. 99 Church Street, 4th Floor New York, New York 10007 Fitch, Inc. One State Street Plaza New York, New York 10004 43 Any notice required or permitted to be mailed to a Certificateholder shall be given by first class mail, postage prepaid, at the address of such holder as shown in the Certificate Register. Any notice so mailed within the time prescribed in this Agreement shall be conclusively presumed to have been duly given, whether or not the Certificateholder receives such notice. Section 11.06. Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms) Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms) Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms) Section 11.09. Allocation of Voting Rights. 97% of all of the Voting Rights shall be allocated among Holders of Certificates, other than the Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates; 1% of all Voting Rights shall be allocated among the Holders of the Class A-5A Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-V Certificates, in accordance with their respective Percentage Interests; 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-I Certificates, in accordance with their respective Percentage Interests; and 0.5% of all Voting Rights shall be allocated among the Holders of the Class R-II Certificates, in accordance with their respective Percentage Interests. Section 11.10. No Petition. The Depositor, Master Servicer and the Trustee, by entering into this Agreement, and each Certificateholder, by accepting a Certificate, hereby covenant and agree that they will not at any time institute against the Trust Fund, or join in any institution against the Trust Fund of, any bankruptcy proceedings under any United States federal or state bankruptcy or similar law in connection with any obligation with respect to the Certificates or this Agreement. 44 IN WITNESS WHEREOF, the Company, the Master Servicer and the Trustee have caused their names to be signed hereto by their respective officers thereunto duly authorized and their respective seals, duly attested, to be hereunto affixed, all as of the day and year first above written. RESIDENTIAL ACCREDIT LOANS, INC. [Seal] By: //s// Randy Van Zee -------------------------------- Name: Randy Van Zee Title: Vice President Attest: //s// Julie Steinhagen ------------------------------------ - Name: Julie Steinhagen Title: Vice President RESIDENTIAL FUNDING CORPORATION [Seal] By: //s// Julie Steinhagen -------------------------------- Name: Julie Steinhagen Title: Director Attest: //s// Randy Van Zee ---------------------------- Name: Randy Van Zee Title: Director BANKERS TRUST COMPANY, as Trustee [Seal] By: //s// Barbara Campbell -------------------------------- Name: Barbara Campbell Title: Assistant Secretary Attest: //s// James F. Noriega ------------------------------------ Name: James F. Noriega Title: Associate 45 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of January, 2002 before me, a notary public in and for said State, personally appeared Randy Van Zee, known to me to be a Vice President of Residential Accredit Loans, Inc., one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s// Brian S. Bangerter ---------------------------------- Notary Public [Notarial Seal] 46 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of January, 2002 before me, a notary public in and for said State, personally appeared Julie Steinhagen, known to me to be a Director of Residential Funding Corporation, one of the corporations that executed the within instrument, and also known to me to be the person who executed it on behalf of said corporation, and acknowledged to me that such corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s// Brian S. Bangerter ---------------------------------- Notary Public [Notarial Seal] 47 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of January, 2002 before me, a notary public in and for said State, personally appeared Barbara Campbell, known to me to be an Assistant Secretary of Bankers Trust Company, the New York banking corporation that executed the within instrument, and also known to me to be the person who executed it on behalf of said banking corporation and acknowledged to me that such banking corporation executed the within instrument. IN WITNESS WHEREOF, I have hereunto set my hand and affixed my official seal the day and year in this certificate first above written. //s// Brent Wayne Hoyler --------------------------------- Notary Public [Notarial Seal] 48 EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 01/23/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 15.18.02 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2002-QS1 CUTOFF : 01/01/02 POOL : 0004565 : : POOL STATUS: F RFC LOAN NUMBER SUB SERV FEE PRINCIPAL BALANCE MSTR SERV FEE CURR NOTE RATE ALL EXP RFC NET RATE MISC EXP NET MTG RATE(INVSTR RATE) SPREAD POST STRIP RATE STRIP --------------------------------------------------------------------------- 4154183 .2500 84,251.60 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 4530077 .2500 341,161.48 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 4678715 .2500 154,890.90 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.5000 1.4200 4712179 .2500 134,518.97 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 4723000 .2500 77,146.87 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 4737676 .2500 51,942.22 .0800 9.1250 .0000 8.8750 .0000 8.7950 .0000 6.5000 2.2950 1 4776190 .2500 393,955.03 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.5000 .7950 4790076 .2500 134,433.30 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 4823306 .2500 149,262.98 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 4828100 .2500 464,991.85 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 4828510 .2500 200,532.81 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 4886012 .2500 62,753.64 .0800 9.0000 .0000 8.7500 .0000 8.6700 .0000 6.5000 2.1700 4902363 .2500 41,168.82 .0800 8.6250 .0000 8.3750 .0000 8.2950 .0000 6.5000 1.7950 4929882 .2500 173,025.79 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 1 4941144 .2500 61,513.24 .0800 8.8750 .0000 8.6250 .0000 8.5450 .0000 6.5000 2.0450 4945541 .2500 382,263.12 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 4949879 .2500 150,180.73 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 4968542 .2500 83,560.68 .0800 8.5000 .0000 8.2500 .0000 8.1700 .0000 6.5000 1.6700 4986235 .2500 87,827.73 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5007976 .2500 60,770.77 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5030799 .2500 498,851.59 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5035968 .2500 192,089.78 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 1 5062026 .2500 338,722.48 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5064988 .2500 221,131.76 .0800 9.0000 .0000 8.7500 .0000 8.6700 .0000 6.5000 2.1700 5096019 .2500 227,316.79 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5097093 .2500 189,310.55 .0800 8.7500 .0000 8.5000 .0000 8.4200 .0000 6.5000 1.9200 5106819 .2500 62,809.94 .0800 9.5000 .0000 9.2500 .0000 9.1700 .0000 6.5000 2.6700 5132771 .2500 115,983.92 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5156375 .2500 498,074.17 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5159004 .2500 169,490.57 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 1 5177725 .2500 65,539.08 .0800 8.5000 .0000 8.2500 .0000 8.1700 .0000 6.5000 1.6700 5187545 .2500 211,242.16 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5188349 .2500 69,249.30 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.5000 .7950 5189806 .2500 97,307.53 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 5210862 .2500 493,943.28 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 5247469 .2500 67,342.96 .0800 8.7500 .0000 8.5000 .0000 8.4200 .0000 6.5000 1.9200 5267741 .2500 109,918.36 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5275821 .2500 147,777.56 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 1 5280352 .2500 265,296.86 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.5000 1.2950 5281722 .2500 99,677.27 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 5286385 .2500 115,024.14 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5287884 .2500 63,771.23 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5308211 .2500 49,850.16 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5333725 .2500 129,591.65 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5338258 .2500 33,567.58 .0800 8.5000 .0000 8.2500 .0000 8.1700 .0000 6.5000 1.6700 5338984 .2500 211,794.50 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 1 5392200 .2500 29,560.13 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5458199 .2500 404,748.27 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.5000 1.5450 5459390 .2500 70,066.57 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5471864 .2500 274,780.08 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 5476700 .2500 122,219.15 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 5488529 .2500 252,460.85 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5529972 .2500 96,372.57 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 5541126 .2500 269,160.96 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 1 5547383 .2500 59,464.87 .0800 8.6250 .0000 8.3750 .0000 8.2950 .0000 6.5000 1.7950 5551188 .2500 74,840.16 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5556080 .2500 34,723.97 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.5000 .7950 5557554 .2500 42,663.39 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5563367 .2500 176,162.47 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5570460 .2500 191,580.47 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.5000 .7950 5571127 .2500 108,704.51 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5574067 .2500 274,580.21 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 1 5595009 .2500 99,593.14 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5600317 .2500 314,792.50 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.5000 1.4200 5615051 .2500 98,191.52 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 5625436 .2500 95,773.97 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 5626184 .2500 101,800.20 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 5628186 .2500 144,784.11 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5635409 .2500 79,833.77 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 5644663 .2500 70,077.92 .0800 8.7500 .0000 8.5000 .0000 8.4200 .0000 6.5000 1.9200 1 5645018 .2500 204,385.71 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5648394 .2500 450,113.05 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5648395 .2500 438,681.51 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5648493 .2500 224,841.19 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5650533 .2500 224,841.19 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5652469 .2500 214,506.19 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5652629 .2500 997,003.45 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5659881 .2500 106,516.96 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.5000 1.5450 1 5662155 .2500 598,988.95 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 5665433 .2500 74,685.34 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 5667754 .2500 619,005.44 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 5668758 .2500 159,232.27 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5677783 .2500 108,579.81 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 5678274 .2500 107,751.95 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5681299 .2500 143,194.20 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5682422 .2500 125,308.42 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 1 5684151 .2500 509,581.96 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 5690586 .2500 374,744.76 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 5693568 .2500 148,289.71 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 5693963 .2500 217,712.15 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 5697782 .2500 99,032.83 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 5706417 .2500 160,310.95 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 5719110 .2500 134,761.12 .0300 6.6250 .0000 6.3750 .0000 6.3450 .0000 6.3450 .0000 5720719 .2500 103,662.07 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 1 5720733 .2500 101,686.67 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 5720746 .2500 108,089.05 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 5720761 .2500 86,719.20 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 5724092 .2500 87,785.53 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 5727946 .2500 205,702.79 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 5728286 .2500 557,998.09 .0800 7.7500 .0000 7.5000 .0000 7.4200 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6336906 .2500 154,635.04 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 6336912 .2500 156,421.57 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 6336916 .2500 119,646.98 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 6336922 .2500 69,858.14 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 6336932 .2500 144,080.31 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 6336936 .2500 79,672.50 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.5000 1.5450 1 6336940 .2500 129,680.67 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 6336958 .2500 98,783.02 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 6336960 .2500 127,627.41 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 6336970 .2500 83,811.78 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 6336976 .2500 137,434.75 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.5000 1.4200 6336978 .2500 139,594.48 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 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6793376 .2500 449,612.56 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 6793426 .2500 178,253.77 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 1 6793458 .2500 160,950.79 .0300 6.3750 .0000 6.1250 .0000 6.0950 .0000 6.0950 .0000 6793470 .2500 84,930.32 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 6793476 .2500 83,631.39 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 6793482 .2500 189,550.62 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 6793496 .2500 291,666.58 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 6793498 .2500 145,486.42 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 6793518 .2500 86,930.42 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 6793526 .2500 320,537.04 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 1 6793530 .2500 104,913.93 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 6793536 .2500 129,765.23 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 6793540 .2500 148,400.36 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 6793754 .2500 172,355.08 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 6793784 .2500 138,383.64 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 6793798 .2500 137,589.88 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 6793802 .2500 243,784.72 .0300 6.6250 .0000 6.3750 .0000 6.3450 .0000 6.3450 .0000 6794074 .2500 524,569.66 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 1 6794450 .2500 403,692.59 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 6794486 .2500 479,230.02 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 6795238 .2500 307,054.25 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.5000 .2950 6795264 .2500 403,660.58 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 6795268 .2500 523,110.16 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 6795482 .2500 382,216.13 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 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1.2950 7227982 .2500 299,575.15 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 7227984 .2500 359,436.62 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7227986 .2500 393,482.79 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.5000 1.2950 7227988 .2500 207,640.81 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 1 7227990 .2500 504,248.08 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 7227992 .2500 353,916.81 .0300 6.6250 .0000 6.3750 .0000 6.3450 .0000 6.3450 .0000 7227994 .2500 356,699.23 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 7227996 .2500 339,467.93 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7227998 .2500 385,742.95 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.5000 1.2950 7228000 .2500 399,156.65 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 7228002 .2500 326,162.84 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 7228006 .2500 399,433.54 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 1 7228008 .2500 136,885.46 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7228010 .2500 290,755.52 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 7228014 .2500 293,903.92 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 7228016 .2500 384,660.32 .0300 6.6250 .0000 6.3750 .0000 6.3450 .0000 6.3450 .0000 7228018 .2500 274,514.69 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7228020 .2500 393,090.62 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.5000 .1700 7228022 .2500 347,493.06 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7228024 .2500 369,711.36 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 1 7228026 .2500 315,298.49 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.5000 1.4200 7228030 .2500 378,331.80 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 7228032 .2500 83,833.17 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 7228034 .2500 210,723.02 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.5000 1.2950 7228036 .2500 160,261.03 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 7228038 .2500 177,597.82 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7228040 .2500 314,760.31 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 7228044 .2500 365,754.42 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 1 7228048 .2500 349,465.72 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 7228050 .2500 350,477.39 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 7228054 .2500 291,076.70 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.5000 .7950 7228056 .2500 383,322.34 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7228058 .2500 319,447.40 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 7228060 .2500 292,042.26 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7228062 .2500 319,756.50 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 7228064 .2500 144,819.13 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.5000 1.5450 1 7228066 .2500 314,560.60 .0800 8.6250 .0000 8.3750 .0000 8.2950 .0000 6.5000 1.7950 7228072 .2500 92,640.04 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.5000 1.2950 7228074 .2500 17,087.31 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 7228076 .2500 170,025.99 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 7228080 .2500 156,165.93 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 7228082 .2500 78,551.38 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 7228084 .2500 260,657.38 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.5000 1.2950 7228086 .2500 95,254.36 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.5000 .5450 1 7228088 .2500 220,340.40 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.5000 .7950 7228090 .2500 85,439.65 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 7228092 .2500 157,198.06 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.5000 1.1700 7228094 .2500 247,639.85 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.5000 .7950 7228098 .2500 288,343.62 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 7233296 .2500 209,336.57 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.5000 .4200 7236194 .2500 55,730.40 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.5000 1.5450 7236210 .2500 400,000.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.5000 1.0450 1 7236380 .2500 124,911.77 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 7245978 .2500 307,371.71 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.5000 .6700 7266028 .2500 190,000.00 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.5000 1.4200 7277740 .2500 399,663.95 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.5000 .0450 7297340 .2500 107,124.33 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.5000 .9200 7297562 .2500 160,000.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 7297582 .2500 363,187.04 .0300 6.7500 .0000 6.5000 .0000 6.4700 .0000 6.4700 .0000 TOTAL NUMBER OF LOANS: 2077 TOTAL BALANCE........: 424,240,245.34 RUN ON : 01/23/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 15.18.02 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2002-QS1 FIXED SUMMARY REPORT CUTOFF : 01/01/02 POOL : 0004565 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO -------------------------------------------------------------------------- CURR NOTE RATE 7.3600 6.1250 9.5000 RFC NET RATE 7.1024 5.8750 9.2500 NET MTG RATE(INVSTR RATE) 7.0292 5.8450 9.1700 POST STRIP RATE 6.4809 5.8450 6.5000 SUB SERV FEE .2575 .2500 .6250 MSTR SERV FEE .0732 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .5483 .0000 2.6700 TOTAL NUMBER OF LOANS: 2077 TOTAL BALANCE........: 424,240,245.34 *************************** * END OF REPORT * *************************** RUN ON : 01/23/02 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 15.18.02 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2002-QS1 CUTOFF : 01/01/02 POOL : 0004565 : : POOL STATUS: F RFC LOAN # S/S CODE PMT TYPE ORIGINAL BAL LOAN FEATURE ORIG TERM PRINCIPAL BAL # OF UNITS ORIG RATE ORIGINAL P+I LTV CURR NET CURRENT P+I CITY STATE ZIP LOAN PURP NOTE DATE MI CO CODE SERVICER LOAN # PROP TYPE 1ST PMT DATE MI CVG SELLER LOAN # OCCP CODE MATURITY DATE INVESTOR LOAN # ______________________________________________________________________________ 4154183 665/G02 F 85,000.00 T 360 84,251.60 1 7.250 579.85 50 7.000 579.85 KELSEYVILLE CA 95451 1 01/08/01 00 0432627453 03 03/01/01 0 88004606 O 02/01/31 0 4530077 696/G02 F 343,400.00 ZZ 360 341,161.48 1 7.750 2,460.16 80 7.500 2,460.16 HERNDON VA 20170 1 03/26/01 00 0432703247 03 05/01/01 0 21401032 O 04/01/31 0 4678715 664/G02 F 155,600.00 ZZ 360 154,890.90 1 8.250 1,168.98 90 8.000 1,168.98 MOKENA IL 60448 1 05/02/01 01 0433265402 09 07/01/01 25 8066268 O 06/01/31 0 4712179 664/G02 F 135,200.00 ZZ 360 134,518.97 1 7.750 968.59 80 7.500 968.59 OAK FOREST IL 60452 1 05/03/01 00 0433274461 05 07/01/01 0 1 0008069130 O 06/01/31 0 4723000 664/G02 F 77,600.00 ZZ 360 77,146.87 1 7.000 516.27 78 6.750 516.27 PORTLAND OR 97227 5 05/25/01 00 0433269867 05 07/01/01 0 0008083438 O 06/01/31 0 4737676 E22/G02 F 52,200.00 ZZ 360 51,942.22 4 9.125 424.72 90 8.875 424.72 DETROIT MI 48206 1 03/23/01 04 0412432767 05 05/01/01 25 0412432767 N 04/01/31 0 4776190 664/G02 F 396,000.00 ZZ 360 393,955.03 1 7.625 2,802.86 78 7.375 2,802.86 ARCADIA CA 91007 1 05/16/01 00 0433269461 05 07/01/01 0 0008096638 O 06/01/31 0 4790076 664/G02 F 135,000.00 ZZ 360 134,433.30 1 7.875 978.85 72 7.625 978.85 CHICAGO IL 60645 5 06/04/01 00 0433265659 07 08/01/01 0 0008137069 O 07/01/31 0 4823306 664/G02 F 150,000.00 ZZ 360 149,262.98 4 7.875 1,087.61 60 7.625 1,087.61 MINNEAPOLIS MN 55413 5 05/31/01 00 0433266160 05 07/01/01 0 0008129769 N 06/01/31 0 1 4828100 U59/G02 F 467,200.00 ZZ 360 464,991.85 1 8.000 3,428.15 80 7.750 3,428.15 GREENVALE NY 11548 1 07/20/01 00 0433044609 05 08/20/01 0 800847093 O 07/20/31 0 4828510 664/G02 F 201,600.00 ZZ 360 200,532.81 1 7.500 1,409.62 80 7.250 1,409.62 SANDY SPRINGS GA 30328 2 05/24/01 00 0433262219 06 07/01/01 0 8099236 O 06/01/31 0 4886012 E22/G02 F 63,000.00 ZZ 360 62,753.64 2 9.000 506.91 90 8.750 506.91 NEW ORLEANS LA 70113 1 05/31/01 04 0412664096 05 07/01/01 25 0412664096 N 06/01/31 0 4902363 U59/G02 F 41,600.00 ZZ 360 41,168.82 1 8.625 323.57 68 8.375 323.57 LUDINGTON MI 49431 5 06/15/01 00 0432912020 05 07/18/01 0 800855796 N 06/18/31 0 4929882 664/G02 F 173,600.00 ZZ 360 173,025.79 1 7.000 1,154.97 80 6.750 1,154.97 JACKSONVILLE FL 32256 1 08/20/01 00 0433269198 05 10/01/01 0 0008242448 O 09/01/31 0 4941144 E22/G02 F 61,750.00 ZZ 360 61,513.24 1 8.875 491.31 95 8.625 491.31 1 CRESTVIEW FL 32539 5 06/05/01 04 0412702383 05 08/01/01 30 0412702383 O 07/01/31 0 4945541 664/G02 F 384,000.00 ZZ 360 382,263.12 1 7.500 2,684.99 77 7.250 2,684.99 RAMONA CA 92065 5 06/25/01 00 0433265329 05 08/01/01 0 000089898 O 07/01/31 0 4949879 964/G02 F 151,000.00 ZZ 360 150,180.73 1 7.375 1,042.92 80 7.125 1,042.92 MORRISON CO 80465 5 05/25/01 00 0432875490 05 07/01/01 0 120888 O 06/01/31 0 4968542 E22/G02 F 84,000.00 ZZ 360 83,560.68 1 8.500 645.89 100 8.250 645.89 HARPERS FERRY WV 25425 1 06/14/01 04 0412674574 07 08/01/01 35 0412674574 O 07/01/31 0 4986235 E82/G02 F 88,200.00 ZZ 360 87,827.73 1 8.000 647.18 90 7.750 647.18 HANAHAN SC 29406 2 06/18/01 04 0400434569 05 08/01/01 25 0400434569 N 07/01/31 0 5007976 664/G02 F 61,000.00 ZZ 360 60,770.77 1 7.500 426.52 52 7.250 426.52 WATERBURY CT 06708 2 07/06/01 00 0433274123 05 09/01/01 0 0008190621 O 08/01/31 0 1 5030799 E84/G02 F 500,000.00 ZZ 360 498,851.59 1 7.375 3,453.38 29 7.125 3,453.38 MENLO PARK CA 94025 1 07/18/01 00 0433187317 05 10/01/01 0 32210144 O 09/01/31 0 5035968 E21/G02 F 192,500.00 ZZ 360 192,089.78 1 7.750 1,379.09 78 7.500 1,379.09 GLEN ELLYN IL 60137 5 10/02/01 00 0433314499 05 11/01/01 0 1 O 10/01/31 0 5062026 664/G02 F 340,000.00 ZZ 360 338,722.48 1 7.500 2,377.33 80 7.250 2,377.33 CARDIFF BY THE CA 92007 5 07/11/01 00 0433274891 05 09/01/01 0 0008185282 O 08/01/31 0 5064988 U59/G02 F 222,000.00 ZZ 360 221,131.76 1 9.000 1,786.27 80 8.750 1,786.27 YORKTOWN HEIGHT NY 10598 2 06/21/01 00 0432957173 01 07/26/01 0 09133800862371 O 06/26/31 0 5096019 676/G02 F 228,000.00 ZZ 360 227,316.79 1 7.500 1,594.21 80 7.250 1,594.21 MAKAWAO HI 96768 1 08/13/01 00 0433514395 05 10/01/01 0 60013055040 O 09/01/31 0 5097093 U59/G02 F 190,000.00 ZZ 360 189,310.55 1 1 8.750 1,494.74 77 8.500 1,494.74 NORTHBROOK IL 60062 5 07/25/01 00 0433032273 05 08/26/01 0 800862413 N 07/26/31 0 5106819 E84/G02 F 63,000.00 ZZ 360 62,809.94 1 9.500 529.74 75 9.250 529.74 LANDOVER MD 20785 5 08/01/01 00 0433185873 05 09/01/01 0 67310039 N 08/01/31 0 5132771 E22/G02 F 116,400.00 ZZ 360 115,983.92 1 7.750 833.90 97 7.500 833.90 GRAND PRAIRIE TX 75050 2 07/06/01 04 0412757650 05 09/01/01 35 0412757650 O 08/01/31 0 5156375 676/G02 F 500,000.00 ZZ 360 498,074.17 1 7.375 3,453.38 77 7.125 3,453.38 KILAUEA HI 96754 1 07/25/01 00 0433517778 05 09/01/01 0 6001252040 O 08/01/31 0 5159004 664/G02 F 170,000.00 ZZ 360 169,490.57 1 7.500 1,188.67 78 7.250 1,188.67 ESCONDIDO CA 92029 5 08/20/01 00 0433272051 05 10/01/01 0 0008249260 O 09/01/31 0 5177725 Q49/G02 F 65,700.00 ZZ 360 65,539.08 2 8.500 505.18 90 8.250 505.18 HIGHLAND PARK MI 48203 1 08/16/01 11 0433483567 05 10/01/01 25 1 70102601 N 09/01/31 0 5187545 F36/G02 F 212,000.00 ZZ 360 211,242.16 1 7.750 1,518.79 80 7.500 1,518.79 BITHELL WA 98021 5 07/02/01 00 0433434461 05 09/01/01 0 06402488 O 08/01/31 0 5188349 N74/G02 F 69,350.00 ZZ 360 69,249.30 1 7.625 490.85 95 7.375 490.85 FARMVILLE VA 23901 2 09/28/01 10 0433301967 05 12/01/01 30 0029381010 O 11/01/31 0 5189806 664/G02 F 97,648.00 ZZ 360 97,307.53 3 7.875 708.02 90 7.625 708.02 NEW BEDFORD MA 02740 1 07/31/01 11 0433328572 05 09/01/01 25 8242307 N 08/01/31 0 5210862 664/G02 F 496,000.00 ZZ 360 493,943.28 1 7.000 3,299.90 80 6.750 3,299.90 AGOURA HILLS CA 91301 5 07/31/01 00 0433271236 03 09/01/01 0 0008273252 O 08/01/31 0 5247469 W40/G02 F 67,500.00 ZZ 360 67,342.96 2 8.750 531.02 90 8.500 531.02 DETROIT MI 48206 1 08/09/01 01 0433264280 02 10/01/01 25 101001317 N 09/01/31 0 1 5267741 588/G02 F 110,000.00 ZZ 360 109,918.36 1 7.500 769.14 73 7.250 769.14 TOWNSHIP OF HAM NJ 08620 1 11/16/01 00 0433433562 05 01/01/02 0 1048090 O 12/01/31 0 5275821 E22/G02 F 148,200.00 ZZ 360 147,777.56 1 7.750 1,061.72 95 7.500 1,061.72 HARRISON TOWNSH MI 48045 1 08/07/01 04 0412893224 05 10/01/01 30 0412893224 O 09/01/31 0 5280352 664/G02 F 266,000.00 ZZ 360 265,296.86 3 8.125 1,975.05 95 7.875 1,975.05 CHICAGO IL 60616 1 08/22/01 11 0433272119 05 10/01/01 30 0008297525 O 09/01/31 0 5281722 964/G02 F 100,000.00 ZZ 360 99,677.27 1 7.125 673.72 80 6.875 673.72 HENDERSON NV 89015 1 08/17/01 00 0433175379 05 10/01/01 0 138877 O 09/01/31 0 5286385 B57/G02 F 115,200.00 ZZ 360 115,024.14 1 7.375 795.66 90 7.125 795.66 POMONA CA 91766 5 10/26/01 10 0433427077 05 12/01/01 25 2116223 O 11/01/31 0 5287884 E22/G02 F 64,000.00 ZZ 360 63,771.23 1 7.750 458.50 80 7.500 458.50 1 WINDER GA 30680 5 08/03/01 00 0412886269 05 09/01/01 0 0412886269 O 08/01/31 0 5308211 676/G02 F 50,000.00 ZZ 360 49,850.16 1 7.500 349.61 31 7.250 349.61 KEAAU HI 96749 1 08/22/01 00 0433280047 05 10/01/01 0 6001322540 N 09/01/31 0 5333725 168/168 F 131,250.00 ZZ 360 129,591.65 1 8.000 963.07 75 7.750 963.07 CORNWALL NY 12553 5 07/25/01 00 0249752506 05 09/01/01 0 0249752506 O 08/01/31 0 5338258 G97/G02 F 33,650.00 ZZ 360 33,567.58 1 8.500 258.74 80 8.250 258.74 DETROIT MI 48228 1 09/23/01 00 0433422458 05 10/01/01 0 29205 N 09/01/31 0 5338984 E84/G02 F 212,400.00 ZZ 360 211,794.50 1 7.750 1,521.66 80 7.500 1,521.66 DENVER CO 80231 1 08/17/01 00 0433190402 05 10/01/01 0 32800861 O 09/01/31 0 5392200 W53/G02 F 29,600.00 ZZ 360 29,560.13 2 8.000 217.20 80 7.750 217.20 ELMIRA NY 14904 1 10/17/01 00 0433419769 05 12/01/01 0 5200669900 N 11/01/31 0 1 5458199 588/G02 F 405,000.00 ZZ 360 404,748.27 1 8.375 3,078.29 90 8.125 3,078.29 LIVINGSTON NJ 07039 1 11/30/01 11 0433500618 05 01/01/02 25 1050346 O 12/01/31 0 5459390 E22/G02 F 70,300.00 ZZ 360 70,066.57 1 7.375 485.54 95 7.125 485.54 MISSION TX 78572 4 08/29/01 04 0412853954 03 10/01/01 30 0412853954 O 09/01/31 0 5471864 588/G02 F 275,000.00 ZZ 360 274,780.08 1 7.125 1,852.73 75 6.875 1,852.73 BOROUGH OF PARA NJ 07652 1 11/06/01 00 0433500956 05 01/01/02 0 1 O 12/01/31 0 5476700 664/G02 F 122,550.00 ZZ 360 122,219.15 1 7.250 836.01 80 7.000 836.01 EUGENE OR 97405 1 09/05/01 00 0433267994 05 11/01/01 0 0008313595 O 10/01/31 0 5488529 E46/G02 F 253,000.00 ZZ 360 252,460.85 1 7.750 1,812.52 68 7.500 1,812.52 SHELBY TOWNSHIP MI 48315 5 09/19/01 00 0433484045 05 11/01/01 0 00504712 O 10/01/31 0 5529972 E47/G02 F 96,600.00 ZZ 360 96,372.57 1 1 7.250 658.98 70 7.000 658.98 KATY TX 77449 1 09/20/01 00 0433267036 03 11/01/01 0 7363011143 O 10/01/31 0 5541126 P27/G02 F 270,000.00 ZZ 360 269,160.96 1 7.750 1,934.31 57 7.500 1,934.31 SAN JOSE CA 95131 5 08/24/01 00 0433288974 05 10/01/01 0 8608978 O 09/01/31 0 5547383 M66/G02 F 59,500.00 ZZ 360 59,464.87 3 8.625 462.79 85 8.375 462.79 PHILADELPHIA PA 19145 1 11/30/01 11 0433534203 05 01/01/02 12 218573 N 12/01/31 0 5551188 U05/G02 F 75,000.00 ZZ 360 74,840.16 1 7.750 537.31 58 7.500 537.31 AUSTIN TX 78750 5 09/19/01 00 0433292307 01 11/01/01 0 3157756 O 10/01/31 0 5556080 N74/G02 F 34,800.00 ZZ 360 34,723.97 1 7.625 246.31 78 7.375 246.31 PINE BLUFF AR 71601 5 09/27/01 00 0433343050 05 11/01/01 0 0029340010 N 10/01/31 0 5557554 J40/G02 F 42,750.00 ZZ 360 42,663.39 1 8.000 313.68 95 7.750 313.68 GREENWOOD MS 38930 1 09/24/01 10 0433435559 05 11/01/01 30 1 7722665 O 10/01/31 0 5563367 313/G02 F 176,400.00 ZZ 360 176,162.47 4 8.000 1,294.37 90 7.750 1,294.37 GOLD CANYON AZ 85219 1 10/17/01 10 0433393170 05 12/01/01 25 0008356842 N 11/01/31 0 5570460 U05/G02 F 192,000.00 ZZ 360 191,580.47 1 7.625 1,358.96 80 7.375 1,358.96 WAXAHACHIE TX 75165 5 09/26/01 00 0433443405 05 11/01/01 0 3168968 O 10/01/31 0 5571127 F44/G02 F 109,000.00 ZZ 360 108,704.51 1 8.000 799.81 67 7.750 799.81 ROOSEVELT NJ 08555 2 08/24/01 00 0433415221 05 10/01/01 0 221912 O 09/01/31 0 5574067 B28/G02 F 275,000.00 ZZ 360 274,580.21 4 7.375 1,899.36 79 7.125 1,899.36 DENVER CO 80206 1 10/01/01 00 0433491875 05 12/01/01 0 01000606 N 11/01/31 0 5595009 286/286 F 99,900.00 ZZ 360 99,593.14 1 7.375 689.98 80 7.125 689.98 SALEM OR 97301 1 08/10/01 00 9882867 05 10/01/01 0 9882867 O 09/01/31 0 1 5600317 E22/G02 F 315,400.00 ZZ 360 314,792.50 1 8.250 2,369.49 95 8.000 2,369.49 AURORA CO 80015 2 09/12/01 04 0412978363 03 11/01/01 30 0412978363 O 10/01/31 0 5615051 E22/G02 F 98,400.00 ZZ 360 98,191.52 1 7.875 713.47 80 7.625 713.47 PALM HARBOR FL 34684 1 09/20/01 00 0413035254 05 11/01/01 0 0413035254 O 10/01/31 0 5625436 U62/G02 F 96,000.00 T 360 95,773.97 1 7.250 654.89 80 7.000 654.89 BARTLETT NH 03838 5 09/27/01 00 0433344199 01 11/01/01 0 2001276077 O 10/01/31 0 5626184 E22/G02 F 102,400.00 ZZ 360 101,800.20 1 7.125 689.89 80 6.875 689.89 AUSTIN TX 78734 5 09/19/01 00 0413022856 03 11/01/01 0 0413022856 O 10/01/31 0 5628186 J40/G02 F 145,000.00 ZZ 360 144,784.11 1 7.500 1,013.86 34 7.250 1,013.86 HAYESVILLE NC 28904 5 10/09/01 00 0433403524 05 12/01/01 0 7723062 O 11/01/31 0 5635409 737/G02 F 80,000.00 ZZ 360 79,833.77 1 7.875 580.05 67 7.625 580.05 1 MADEIRA BEACH FL 33708 2 09/28/01 00 0433319431 05 11/01/01 0 599828 O 10/01/31 0 5644663 M43/G02 F 70,200.00 ZZ 360 70,077.92 1 8.750 552.27 90 8.500 552.27 HIGHLAND SPRING VA 23075 5 09/26/01 11 0433427283 05 11/01/01 25 744084206 O 10/01/31 0 5645018 E84/G02 F 205,000.00 ZZ 360 204,385.71 1 7.500 1,433.39 54 7.250 1,433.39 LAKEWOOD CO 80234 5 08/13/01 00 0433186897 05 10/01/01 0 32800564 O 09/01/31 0 5648394 286/286 F 451,500.00 ZZ 360 450,113.05 1 7.375 3,118.40 70 7.125 3,118.40 TUCSON AZ 85704 5 08/28/01 00 550149 05 10/01/01 0 550149 O 09/01/31 0 5648395 286/286 F 440,000.00 ZZ 360 438,681.51 1 7.500 3,076.55 74 7.250 3,076.55 ANNAPOLIS MD 21403 5 08/29/01 00 478885 05 10/01/01 0 478885 O 09/01/31 0 5648493 A35/G02 F 225,000.00 ZZ 360 224,841.19 4 7.750 1,611.93 90 7.500 1,611.93 MASPETH NY 11378 1 11/20/01 04 0433426624 05 01/01/02 25 528917901 N 12/01/31 0 1 5650533 700/G02 F 225,000.00 ZZ 360 224,841.19 4 7.750 1,611.93 90 7.500 1,611.93 MONTCLAIR CA 91763 1 11/13/01 01 0433433851 05 01/01/02 25 00262116 N 12/01/31 0 5652469 E22/G02 F 215,000.00 ZZ 360 214,506.19 1 7.375 1,484.95 98 7.125 1,484.95 PLEASANT GROVE AL 35127 2 09/18/01 04 0412897613 05 11/01/01 35 0412897613 O 10/01/31 0 5652629 E84/G02 F 1,000,000.00 ZZ 360 997,003.45 1 7.500 6,992.15 67 7.250 6,992.15 NOVATO CA 94947 2 07/30/01 00 0433204476 05 10/01/01 0 70010018 O 09/01/31 0 5659881 369/G02 F 106,650.00 ZZ 360 106,516.96 2 8.375 810.62 90 8.125 810.62 EL PASO TX 79935 1 10/15/01 14 0433433661 05 12/01/01 25 0073352361 N 11/01/31 0 5662155 T21/T21 F 600,000.00 ZZ 360 598,988.95 2 6.875 3,941.58 48 6.625 3,941.58 HONOLULU HI 96817 5 10/09/01 00 20080021 05 12/01/01 0 20080021 O 11/01/31 0 5665433 076/076 F 75,000.00 ZZ 360 74,685.34 1 1 7.125 505.29 62 6.875 505.29 BATTLE CREEK MI 49017 5 08/21/01 00 5661224 05 10/01/01 0 5661224 O 09/01/31 0 5667754 163/G02 F 620,000.00 ZZ 360 619,005.44 1 7.125 4,177.06 68 6.875 4,177.06 MANHASSET NY 11030 5 10/17/01 00 0433428695 05 12/01/01 0 1000292701 O 11/01/31 0 5668758 168/168 F 160,000.00 ZZ 360 159,232.27 1 8.000 1,174.03 68 7.750 1,174.03 COMMERCE TWP MI 48390 5 05/16/01 00 0059369884 05 07/01/01 0 0059369884 O 06/01/31 0 5677783 T61/G02 F 108,750.00 ZZ 360 108,579.81 1 7.250 741.87 75 7.000 741.87 OLIVE BRANCH MS 38654 1 10/26/01 00 0433512985 05 12/01/01 0 0499404 O 11/01/31 0 5678274 A06/G02 F 108,000.00 ZZ 360 107,751.95 1 7.375 745.93 80 7.125 745.93 BERKLEY MI 48072 1 10/04/01 00 0433273828 05 11/01/01 0 5678224 O 10/01/31 0 5681299 168/168 F 143,500.00 ZZ 360 143,194.20 1 7.750 1,028.05 57 7.500 1,028.05 WASHINGTON DC 20011 5 09/10/01 00 0059781343 05 11/01/01 0 1 0059781343 O 10/01/31 0 5682422 950/G02 F 125,500.00 ZZ 360 125,308.42 1 7.375 866.80 60 7.125 866.80 GOLDENDALE WA 98620 5 10/03/01 00 0433495942 05 12/01/01 0 EW109248 O 11/01/31 0 5684151 964/G02 F 510,000.00 ZZ 360 509,581.96 1 7.000 3,393.04 75 6.750 3,393.04 LOS ANGELES CA 90046 5 11/16/01 00 0433429388 05 01/01/02 0 150603 O 12/01/31 0 5690586 M66/G02 F 375,250.00 ZZ 360 374,744.76 2 8.000 2,753.45 95 7.750 2,753.45 NEWARK NJ 07105 1 10/31/01 01 0433465499 05 12/01/01 30 217818 O 11/01/31 0 5693568 E23/G02 F 148,500.00 ZZ 360 148,289.71 1 7.750 1,063.87 90 7.500 1,063.87 FOUNTAIN HILLS AZ 85268 1 10/15/01 14 0433359643 05 12/01/01 25 41002482 O 11/01/31 0 5693963 E48/G02 F 219,000.00 ZZ 240 217,712.15 1 6.875 1,681.52 68 6.625 1,681.52 FAIRVIEW TN 37062 2 09/21/01 00 0433270659 05 11/01/01 0 1 O 10/01/21 0 1 5697782 313/G02 F 99,200.00 T 360 99,032.83 1 6.875 651.68 80 6.625 651.68 MESA AZ 85212 1 10/01/01 00 0433428273 09 12/01/01 0 0008325433 O 11/01/31 0 5706417 742/G02 F 160,550.00 ZZ 360 160,310.95 1 7.500 1,122.59 95 7.250 1,122.59 BREWERTON NY 13029 1 10/29/01 04 0433482536 05 12/01/01 30 8533333 O 11/01/31 0 5719110 783/G02 F 135,000.00 ZZ 360 134,761.12 1 6.625 864.42 45 6.375 864.42 MONROE WA 98272 5 10/15/01 00 0433391554 05 12/01/01 0 01083103310009 O 11/01/31 0 5720719 286/286 F 104,000.00 ZZ 360 103,662.07 2 7.125 700.67 80 6.875 700.67 LOUISVILLE OH 44641 1 08/30/01 00 519751 05 10/01/01 0 519751 O 09/01/31 0 5720733 286/286 F 102,000.00 ZZ 360 101,686.67 2 7.375 704.49 73 7.125 704.49 YAKIMA WA 98908 2 08/27/01 00 9938489 05 10/01/01 0 9938489 O 09/01/31 0 5720746 286/286 F 109,450.00 ZZ 360 108,089.05 2 6.750 709.89 61 6.500 709.89 1 VIRGINIA BEACH VA 23455 2 08/24/01 00 9935664 05 10/01/01 0 9935664 O 09/01/31 0 5720761 286/286 F 87,000.00 ZZ 360 86,719.20 2 7.125 586.14 24 6.875 586.14 MEDFORD MA 02155 2 08/23/01 00 9880691 05 10/01/01 0 9880691 O 09/01/31 0 5724092 E22/G02 F 88,000.00 ZZ 360 87,785.53 1 7.125 592.87 58 6.875 592.87 RATHDRUM ID 83858 5 09/24/01 00 0413034240 05 11/01/01 0 0413034240 O 10/01/31 0 5727946 950/G02 F 206,050.00 ZZ 360 205,702.79 1 6.875 1,353.60 80 6.625 1,353.60 SEATTLE WA 98117 1 10/05/01 00 0433487048 05 12/01/01 0 E1105134 O 11/01/31 0 5728286 994/994 F 560,000.00 ZZ 360 557,998.09 1 7.750 4,011.91 80 7.500 4,011.91 CINCINNATI OH 45246 5 07/19/01 00 218407520 05 09/01/01 0 218407520 O 08/01/31 0 5731514 M66/G02 F 400,000.00 ZZ 360 399,173.43 1 7.250 2,728.71 80 7.000 2,728.71 CINNAMINSON TWP NJ 08077 1 10/29/01 00 0433530268 05 12/01/01 0 217053 O 11/01/31 0 1 5733021 S11/G02 F 170,000.00 ZZ 360 169,720.50 1 7.000 1,131.01 74 6.750 1,131.01 LA QUINTA CA 92253 1 10/05/01 00 0433506334 03 12/01/01 0 10204694 O 11/01/31 0 5736924 883/G02 F 400,000.00 ZZ 360 399,461.43 1 8.000 2,935.06 71 7.750 2,935.06 WESTMINSTER MD 21157 5 10/15/01 00 0433335346 05 12/01/01 0 05012289 O 11/01/31 0 5737796 601/G02 F 101,250.00 ZZ 360 100,930.88 4 8.375 769.58 90 8.125 769.58 MULBERRY FL 33860 1 07/31/01 14 0433232121 02 09/01/01 25 60587805 N 08/01/31 0 5739632 U05/G02 F 158,000.00 ZZ 360 157,876.74 1 7.250 1,077.84 80 7.000 1,077.84 BIG SANDY TX 75755 5 11/15/01 00 0433430576 05 01/01/02 0 3174186 O 12/01/31 0 5745648 U05/G02 F 366,700.00 ZZ 360 366,097.09 1 7.000 2,439.66 95 6.750 2,439.66 EAST PALO ALTO CA 94303 1 10/11/01 10 0433296936 05 12/01/01 30 3169883 O 11/01/31 0 5774482 E76/G02 F 379,483.00 ZZ 360 378,958.96 1 1 7.875 2,751.52 85 7.625 2,751.52 RICHMOND TX 77468 1 10/18/01 10 0433431715 03 12/01/01 12 10008611 O 11/01/31 0 5781696 588/G02 F 180,000.00 ZZ 360 180,000.00 1 7.250 1,227.92 64 7.000 1,227.92 NORWOOD NJ 07648 1 12/07/01 00 0433541380 05 02/01/02 0 1051402 O 01/01/32 0 5782374 B60/G02 F 275,000.00 ZZ 360 274,580.20 1 7.375 1,899.36 75 7.125 1,899.36 ABINGDON VA 24210 5 10/11/01 00 0433390184 05 12/01/01 0 334106 O 11/01/31 0 5782406 069/G02 F 399,000.00 ZZ 360 398,664.79 1 6.875 2,621.15 62 6.625 2,621.15 CORONA DEL MAR CA 92625 5 11/16/01 00 0433483542 05 01/01/02 0 88224175 O 12/01/31 0 5787144 S11/G02 F 350,400.00 ZZ 360 350,152.69 1 7.750 2,510.31 80 7.500 2,510.31 ALHAMBRA CA 91801 5 11/14/01 00 0433511060 05 01/01/02 0 10204771 O 12/01/31 0 5792088 U05/G02 F 98,400.00 ZZ 360 98,190.30 1 7.750 704.95 80 7.500 704.95 ROWLETT TX 75088 5 09/21/01 00 0433433539 05 11/01/01 0 1 3154731 O 10/01/31 0 5798124 S11/G02 F 275,000.00 ZZ 360 274,763.24 1 6.750 1,783.64 78 6.500 1,783.64 MONUMENT CO 80132 5 11/02/01 00 0433390705 05 01/01/02 0 10204916 O 12/01/31 0 5799718 950/G02 F 112,000.00 ZZ 360 111,833.24 2 7.500 783.12 79 7.250 783.12 WASHOUGAL WA 98671 2 10/10/01 00 0433464625 05 12/01/01 0 108057 N 11/01/31 0 5800278 950/G02 F 112,000.00 ZZ 360 111,833.24 2 7.500 783.12 79 7.250 783.12 WASHOUGAL WA 98671 5 10/10/01 00 0433471380 05 12/01/01 0 EA108058 N 11/01/31 0 5805368 624/G02 F 349,600.00 ZZ 360 349,283.96 1 6.500 2,209.71 80 6.250 2,209.71 WHITTIER CA 90601 1 11/09/01 00 0433425360 05 01/01/02 0 3700911088 O 12/01/31 0 5811740 E22/G02 F 85,500.00 ZZ 360 85,331.07 1 8.125 634.84 90 7.875 634.84 WORCESTER MA 01608 1 10/05/01 01 0413012865 07 11/01/01 25 0413012865 N 10/01/31 0 1 5812492 N74/G02 F 98,000.00 ZZ 360 97,826.60 1 6.625 627.50 60 6.375 627.50 PASCAGOULA MS 39567 2 10/16/01 00 0433337565 05 12/01/01 0 0029421010 O 11/01/31 0 5829692 U62/G02 F 71,250.00 ZZ 360 71,129.94 1 6.875 468.06 95 6.625 468.06 NORFOLK VA 23517 5 10/18/01 04 0433382157 01 12/01/01 30 2001302779 O 11/01/31 0 5840274 950/G02 F 113,600.00 ZZ 360 113,430.85 2 7.500 794.31 80 7.250 794.31 WASHOUGAL WA 98671 2 10/10/01 00 0433465648 05 12/01/01 0 EA108054 N 11/01/31 0 5842380 477/G02 F 79,200.00 ZZ 360 79,063.24 1 6.750 513.69 80 6.500 513.69 GLENDALE AZ 85302 5 10/15/01 00 0433337789 05 12/01/01 0 115972 O 11/01/31 0 5846128 944/G02 F 263,000.00 ZZ 360 262,767.96 1 6.625 1,684.02 30 6.375 1,684.02 LOS ANGELES CA 90049 2 11/06/01 00 0433466893 05 01/01/02 0 W01090526 O 12/01/31 0 5854804 967/G02 F 132,000.00 ZZ 360 131,904.46 1 7.625 934.29 78 7.375 934.29 1 TACOMA WA 98446 5 11/19/01 00 0433451697 05 01/01/02 0 8573818 O 12/01/31 0 5860540 E22/G02 F 96,000.00 ZZ 360 95,846.00 1 7.125 646.77 80 6.875 646.77 SPRING TX 77373 5 10/03/01 00 0413080979 03 12/01/01 0 0413080979 O 11/01/31 0 5863170 U05/G02 F 42,000.00 ZZ 360 41,968.83 1 7.500 293.67 65 7.250 293.67 AKRON OH 44314 5 11/20/01 00 0433447257 05 01/01/02 0 3174989 N 12/01/31 0 5867724 E46/G02 F 97,500.00 ZZ 360 97,358.41 1 7.625 690.10 61 7.375 690.10 FAIRFIELD CT 06430 5 10/19/01 00 0433332004 05 12/01/01 0 00505585 O 11/01/31 0 5869642 U62/G02 F 85,600.00 ZZ 360 85,448.53 1 6.625 548.11 80 6.375 548.11 AUSTIN TX 78745 5 10/18/01 00 0433371101 05 12/01/01 0 2001298661 O 11/01/31 0 5894514 N47/G02 F 275,000.00 ZZ 360 274,774.59 1 7.000 1,829.58 73 6.750 1,829.58 SALINAS CA 93908 5 11/02/01 00 0433486651 03 01/01/02 0 20112016 O 12/01/31 0 1 5895980 N47/G02 F 176,000.00 ZZ 360 175,855.74 1 7.000 1,170.93 74 6.750 1,170.93 PASADENA CA 91106 5 11/08/01 00 0433429180 01 01/01/02 0 30311502 O 12/01/31 0 5899166 806/G02 F 147,750.00 ZZ 360 147,284.75 1 7.250 1,007.92 80 7.000 1,007.92 SAN BERNARDINO CA 92407 1 09/21/01 00 0433298486 05 11/01/01 0 1040005302 O 10/01/31 0 5899202 806/G02 F 231,950.00 ZZ 360 231,366.80 1 8.000 1,701.97 80 7.750 1,701.97 FONTANA CA 92336 1 09/10/01 00 0433284759 05 11/01/01 0 1040000968 O 10/01/31 0 5908718 369/G02 F 99,400.00 ZZ 360 99,252.00 1 7.500 695.02 70 7.250 695.02 CHANDLER AZ 85248 1 10/17/01 00 0433387248 03 12/01/01 0 0073469462 O 11/01/31 0 5910614 E22/G02 F 59,900.00 ZZ 360 59,803.91 1 7.125 403.56 100 6.875 403.56 KANSAS CITY MO 64119 1 10/11/01 04 0413094111 05 12/01/01 35 0413094111 O 11/01/31 0 5923564 T29/G02 F 256,500.00 ZZ 360 256,144.80 1 1 7.875 1,859.80 95 7.625 1,859.80 SANTA FE NM 87505 2 10/01/01 04 0433301140 05 12/01/01 30 1230124 O 11/01/31 0 5928224 664/G02 F 323,000.00 ZZ 360 322,276.33 1 7.500 2,258.47 95 7.250 2,258.47 GERMANTOWN TN 38138 1 09/28/01 11 0433497922 05 11/01/01 30 0008279846 O 10/01/31 0 5931724 S11/G02 F 151,000.00 ZZ 360 150,870.00 2 6.750 979.38 46 6.500 979.38 SAN CLEMENTE CA 92672 2 11/14/01 00 0433429024 05 01/01/02 0 10205376 O 12/01/31 0 5936540 H76/G02 F 193,500.00 ZZ 360 193,197.19 1 7.250 1,320.01 90 7.000 1,320.01 MIAMI LAKES FL 33018 5 10/17/01 01 0433304342 05 12/01/01 25 2001404107 O 11/01/31 0 5944560 T44/G02 F 96,000.00 T 360 95,849.77 1 7.250 654.89 80 7.000 654.89 LAS VEGAS NV 89120 1 10/24/01 00 0433392016 05 12/01/01 0 1023740 O 11/01/31 0 5955396 U62/G02 F 85,000.00 ZZ 360 84,775.25 1 7.000 565.51 78 6.750 565.51 SMITHVILLE TX 78957 5 10/19/01 00 0433384831 05 12/01/01 0 1 2001302849 O 11/01/31 0 5957190 E23/G02 F 107,250.00 ZZ 360 107,082.17 1 7.250 731.63 75 7.000 731.63 LOS ANGELES CA 90003 5 10/24/01 00 0433431319 05 12/01/01 0 51008655 N 11/01/31 0 5965220 N74/G02 F 95,000.00 ZZ 360 94,823.55 1 6.375 592.68 59 6.125 592.68 ALTAVISTA VA 24517 5 10/18/01 00 0433323862 05 12/01/01 0 0029427010 O 11/01/31 0 5967050 926/926 F 386,600.00 ZZ 360 385,964.37 1 7.000 2,572.06 62 6.750 2,572.06 HILTON HEAD ISL SC 29926 5 10/24/01 00 163025053 03 12/01/01 0 163025053 O 11/01/31 0 5967146 588/G02 F 193,500.00 ZZ 360 193,500.00 1 7.375 1,336.46 90 7.125 1,336.46 UPPER UWCHLAN T PA 19334 1 12/13/01 14 0433512118 09 02/01/02 25 1052711 O 01/01/32 0 5967718 883/G02 F 70,000.00 ZZ 360 69,893.15 1 7.375 483.47 56 7.125 483.47 NAPLES FL 34119 1 11/01/01 00 0433406865 01 12/01/01 0 1 O 11/01/31 0 1 5971226 883/G02 F 173,500.00 ZZ 360 173,207.65 1 6.875 1,139.77 73 6.625 1,139.77 NORTH WALES PA 19454 5 10/25/01 00 0433425501 05 12/01/01 0 1 O 11/01/31 0 5972426 G52/G02 F 262,400.00 ZZ 360 262,018.96 1 7.625 1,857.25 80 7.375 1,857.25 SAN DIEGO CA 92104 1 10/03/01 00 0433511466 05 12/01/01 0 7600000076 N 11/01/31 0 5976376 U62/G02 F 64,600.00 ZZ 360 64,498.90 1 7.250 440.69 95 7.000 440.69 WINCHESTER VA 22603 2 10/26/01 04 0433372877 05 12/01/01 30 2001254668 O 11/01/31 0 5976756 588/G02 F 108,900.00 ZZ 360 108,900.00 3 8.750 856.72 90 8.500 856.72 POUGHKEEPSIE CI NY 12601 1 12/27/01 11 0433549227 05 02/01/02 25 1051461 N 01/01/32 0 5979126 964/G02 F 99,450.00 ZZ 360 99,278.27 1 6.750 645.03 90 6.500 645.03 PUEBLO CO 81005 5 10/25/01 01 0433345469 05 12/01/01 25 150930 O 11/01/31 0 5981004 225/G02 F 376,000.00 ZZ 360 374,478.58 1 7.125 2,533.19 80 6.875 2,533.19 1 HERNDON VA 22071 5 07/27/01 00 0433470184 05 09/01/01 0 728511200 O 08/01/31 0 5983768 H19/G02 F 88,110.00 ZZ 360 87,975.49 1 7.375 608.56 90 7.125 608.56 BURKE VT 05871 1 11/01/01 10 0433424157 05 12/01/01 30 0010096469 O 11/01/31 0 5993090 P59/G02 F 76,000.00 ZZ 360 75,881.06 1 7.250 518.46 80 7.000 518.46 PALMDALE CA 93550 5 10/22/01 00 0433470937 05 12/01/01 0 LA000867 O 11/01/31 0 5994322 X07/G02 F 70,000.00 ZZ 360 69,949.33 1 7.625 495.46 54 7.375 495.46 FOX LAKE WI 53933 1 11/15/01 00 0433433497 01 01/01/02 0 5992414 O 12/01/31 0 5995978 664/G02 F 77,500.00 ZZ 360 77,236.50 4 8.000 568.67 38 7.750 568.67 CHICAGO IL 60608 2 07/23/01 00 0433258068 05 09/01/01 0 0008237471 O 08/01/31 0 5996130 X19/G02 F 140,000.00 ZZ 360 139,903.65 2 7.875 1,015.10 74 7.625 1,015.10 MAHOPAC NY 10541 1 11/07/01 00 0433444650 05 01/01/02 0 21091202 N 12/01/31 0 1 5996306 664/G02 F 156,000.00 ZZ 360 155,532.53 1 7.500 1,090.78 80 7.250 1,090.78 SALISBURY NC 28144 5 07/31/01 00 0433434164 05 10/01/01 0 0008059784 O 09/01/31 0 5996648 664/G02 F 263,000.00 ZZ 360 261,850.36 1 7.125 1,771.88 68 6.875 1,771.88 SIMI VALLEY CA 93063 5 07/24/01 00 0433257078 05 09/01/01 0 0008175580 O 08/01/31 0 6000138 664/G02 F 440,000.00 ZZ 360 438,033.80 1 7.375 3,038.98 80 7.125 3,038.98 CHISAGO CITY MN 55013 2 07/17/01 00 0433268760 05 09/01/01 0 0008167306 O 08/01/31 0 6003808 P27/G02 F 409,600.00 ZZ 360 409,005.21 1 7.625 2,899.12 80 7.375 2,899.12 ASHBURN VA 20147 5 10/16/01 00 0433506565 05 12/01/01 0 5725641 O 11/01/31 0 6010854 E22/G02 F 102,000.00 ZZ 360 101,851.89 3 7.625 721.95 85 7.375 721.95 BRISTOL CT 06010 1 10/17/01 04 0412893497 05 12/01/01 20 0412893497 N 11/01/31 0 6010874 E22/G02 F 37,000.00 ZZ 360 36,944.91 2 1 7.500 258.71 79 7.250 258.71 SAULT SAINTE MA MI 49783 5 10/17/01 00 0412999229 05 12/01/01 0 0412999229 N 11/01/31 0 6010956 E22/G02 F 80,000.00 ZZ 360 79,874.81 1 7.250 545.74 67 7.000 545.74 CASHMERE WA 98815 5 10/08/01 00 0413091729 05 12/01/01 0 0413091729 O 11/01/31 0 6011008 E22/G02 F 64,000.00 ZZ 360 63,894.77 1 7.000 425.79 76 6.750 425.79 ATLANTA MI 49709 5 10/12/01 00 0413118787 05 12/01/01 0 0413118787 O 11/01/31 0 6011284 664/G02 F 87,500.00 ZZ 360 87,192.64 1 7.875 634.44 70 7.625 634.44 VANCOUVER WA 98682 2 07/11/01 00 0433271350 05 09/01/01 0 8157638 N 08/01/31 0 6011440 664/G02 F 60,000.00 ZZ 360 59,833.17 1 7.875 435.05 80 7.625 435.05 WACO TX 76711 1 08/17/01 00 0433279056 05 10/01/01 0 8299273 O 09/01/31 0 6011592 664/G02 F 167,200.00 ZZ 360 165,487.16 1 7.500 1,169.09 80 7.250 1,169.09 PLYMOUTH MA 02360 5 08/28/01 00 0433277654 05 11/01/01 0 1 8277519 O 10/01/31 0 6011656 664/G02 F 80,000.00 ZZ 360 79,734.77 1 8.125 594.00 52 7.875 594.00 SAINT PAUL MN 55104 5 07/18/01 00 0433263571 05 09/01/01 0 0008225484 O 08/01/31 0 6011888 664/G02 F 88,000.00 ZZ 360 87,801.46 1 8.000 645.72 77 7.750 645.72 CHICAGO IL 60629 2 08/31/01 00 0433270154 05 11/01/01 0 0008323453 O 10/01/31 0 6012030 664/G02 F 54,000.00 ZZ 360 53,853.59 1 8.000 396.24 50 7.750 396.24 ORLEANS MA 02653 5 09/04/01 00 0433277084 01 10/01/01 0 0008292310 O 09/01/31 0 6012164 664/G02 F 235,000.00 ZZ 360 234,330.10 1 7.750 1,683.57 80 7.500 1,683.57 SALEM MA 01970 2 08/20/01 00 0433271277 05 10/01/01 0 0008262701 O 09/01/31 0 6012296 664/G02 F 650,000.00 ZZ 360 647,790.05 1 8.000 4,769.47 60 7.750 4,769.47 GALENA OH 43021 5 07/25/01 00 0433278090 05 09/01/01 0 0008241275 O 08/01/31 0 1 6012394 664/G02 F 396,000.00 ZZ 360 393,712.80 1 7.750 2,837.00 80 7.500 2,837.00 NORTHRIDGE AREA CA 91326 5 04/11/01 00 0433266087 03 06/01/01 0 0008022576 O 05/01/31 0 6012424 664/G02 F 297,950.00 ZZ 360 296,568.63 1 7.375 2,057.87 60 7.125 2,057.87 MEDINAH IL 60157 2 06/16/01 00 0433267408 05 08/01/01 0 0008066367 O 07/01/31 0 6012436 664/G02 F 183,600.00 ZZ 360 183,102.25 1 8.000 1,347.20 85 7.750 1,347.20 ALSIP IL 60803 1 08/24/01 11 0433266624 05 10/01/01 12 0008266942 O 09/01/31 0 6012462 664/G02 F 183,000.00 ZZ 360 181,969.90 1 7.375 1,263.94 79 7.125 1,263.94 BILLERICA MA 01821 2 06/04/01 00 0433277746 05 07/01/01 0 8113433 O 06/01/31 0 6012554 664/G02 F 63,750.00 ZZ 360 60,432.25 1 7.875 462.24 85 7.625 462.24 HOLLYWOOD FL 33024 1 04/27/01 11 0433265485 05 06/01/01 12 0008064875 O 05/01/31 0 6012596 664/G02 F 76,500.00 ZZ 360 76,292.62 3 8.000 561.33 90 7.750 561.33 1 NEW BEDFORD MA 02746 2 08/28/01 11 0433277340 05 10/01/01 25 0008291064 N 09/01/31 0 6012808 664/G02 F 178,000.00 ZZ 360 177,409.63 1 7.500 1,244.61 69 7.250 1,244.61 REVERE MA 02151 5 08/27/01 00 0433262813 05 10/01/01 0 0008296139 O 09/01/31 0 6012834 664/G02 F 104,000.00 ZZ 360 103,609.19 1 7.500 727.19 70 7.250 727.19 VANCOUVER WA 98664 5 07/11/01 00 0433267952 05 09/01/01 0 0008157646 O 08/01/31 0 6012950 664/G02 F 170,100.00 ZZ 360 169,330.60 1 7.500 1,189.37 90 7.250 1,189.37 LAS VEGAS NV 89144 1 06/13/01 01 0433319092 09 08/01/01 25 0008149312 O 07/01/31 0 6013026 664/G02 F 209,000.00 ZZ 360 208,418.72 3 7.875 1,515.40 78 7.625 1,515.40 LYNN MA 01902 5 08/07/01 00 0433271210 05 10/01/01 0 0008274789 O 09/01/31 0 6015086 664/G02 F 60,300.00 ZZ 360 60,136.50 1 8.000 442.47 90 7.750 442.47 WEST HAVEN CT 06516 1 08/30/01 11 0433272028 05 10/01/01 25 0008318156 N 09/01/31 0 1 6015312 076/076 F 62,400.00 ZZ 360 62,267.03 1 7.750 447.04 80 7.500 447.04 CHADRON NE 69337 1 09/04/01 00 5833015 05 11/01/01 0 5833015 O 10/01/31 0 6015782 664/G02 F 270,000.00 ZZ 360 269,058.66 3 7.875 1,957.69 90 7.625 1,957.69 MADISON WI 53703 1 07/26/01 11 0433261591 05 09/01/01 25 0008230179 N 08/01/31 0 6015966 664/G02 F 275,000.00 ZZ 360 273,914.01 1 7.250 1,875.99 80 7.000 1,875.99 PARKER CO 80134 1 07/27/01 00 0433268471 03 09/01/01 0 0008261745 O 08/01/31 0 6016166 664/G02 F 395,000.00 ZZ 360 393,656.98 1 8.000 2,898.38 79 7.750 2,898.38 SIMI VALLEY CA 93063 5 07/17/01 00 0433260924 05 09/01/01 0 0008169997 O 08/01/31 0 6016268 664/G02 F 150,000.00 ZZ 360 149,357.45 1 7.375 1,036.02 34 7.125 1,036.02 POMONA CA 91766 5 07/19/01 00 0433260627 05 09/01/01 0 0008149866 O 08/01/31 0 6016490 664/G02 F 196,000.00 ZZ 360 195,441.27 1 1 7.750 1,404.17 80 7.500 1,404.17 WEST HILLS AREA CA 91307 1 08/06/01 00 0433271491 05 10/01/01 0 0008277766 O 09/01/31 0 6017364 664/G02 F 213,500.00 ZZ 360 212,424.46 1 7.750 1,529.55 67 7.500 1,529.55 FOUNTAIN VALLEY CA 92708 5 05/08/01 00 0433277167 05 07/01/01 0 0008091795 O 06/01/31 0 6018372 U05/G02 F 260,000.00 ZZ 360 259,513.16 1 7.000 1,729.79 62 6.750 1,729.79 PORTLAND OR 97266 2 10/15/01 00 0433322781 03 12/01/01 0 3171113 O 11/01/31 0 6019014 664/G02 F 100,000.00 ZZ 360 99,728.90 1 8.000 733.77 40 7.750 733.77 WILMINGTON MA 01887 1 08/17/01 00 0433267622 05 10/01/01 0 0008224677 O 09/01/31 0 6019404 664/G02 F 170,900.00 ZZ 360 170,436.68 4 8.000 1,254.01 90 7.750 1,254.01 FALL RIVER MA 02721 1 08/27/01 11 0433260072 05 10/01/01 25 0008279952 N 09/01/31 0 6020662 664/G02 F 99,000.00 ZZ 360 98,508.11 4 8.500 761.23 90 8.250 761.23 MULBERRY FL 33860 1 04/26/01 11 0433268075 05 06/01/01 25 1 8048308 N 05/01/31 0 6022022 664/G02 F 99,000.00 ZZ 360 98,508.11 4 8.500 761.23 90 8.250 761.23 MULBERRY FL 33860 1 04/30/01 11 0433268430 05 06/01/01 25 8048266 N 05/01/31 0 6022208 664/G02 F 248,000.00 ZZ 360 247,034.65 1 8.250 1,863.15 80 8.000 1,863.15 DOWNEY CA 90242 1 06/19/01 00 0433290210 05 08/01/01 0 0008182925 O 07/01/31 0 6022736 664/G02 F 416,000.00 ZZ 360 413,904.45 1 7.750 2,980.28 80 7.500 2,980.28 LANGLEY WA 98260 1 05/05/01 00 0433290236 03 07/01/01 0 0008054108 O 06/01/31 0 6023134 664/G02 F 177,100.00 ZZ 360 175,319.40 1 7.375 1,223.19 68 7.125 1,223.19 EUGENE OR 97405 1 04/23/01 00 0433273174 05 06/01/01 0 0008058018 O 05/01/31 0 6023646 664/G02 F 295,200.00 ZZ 360 293,408.45 1 7.500 2,064.09 80 7.250 2,064.09 ABINGTON MA 02351 5 04/11/01 00 0433277258 05 06/01/01 0 8012692 O 05/01/31 0 1 6024284 562/G02 F 78,000.00 ZZ 360 77,894.97 2 8.000 572.34 80 7.750 572.34 POUGHKEEPSIE NY 12601 5 10/26/01 00 0433374485 05 12/01/01 0 297015654 N 11/01/31 0 6025084 664/G02 F 188,000.00 ZZ 360 186,710.80 1 6.875 1,235.03 79 6.625 1,235.03 STOCKTON CA 95209 5 04/11/01 00 0433262730 05 06/01/01 0 8019457 O 05/01/31 0 6026338 U62/G02 F 100,000.00 ZZ 360 99,838.30 1 7.125 673.72 69 6.875 673.72 DUMFRIES VA 22026 1 10/12/01 00 0433297033 09 12/01/01 0 2001300275 O 11/01/31 0 6030648 664/G02 F 115,500.00 ZZ 360 115,328.02 1 7.500 807.60 59 7.250 807.60 MEMPHIS TN 38109 5 10/26/01 00 0433389293 05 12/01/01 0 0008372526 O 11/01/31 0 6032492 U05/G02 F 54,300.00 ZZ 360 54,221.15 1 7.625 384.33 95 7.375 384.33 DALLAS TX 75243 1 10/31/01 10 0433339934 05 12/01/01 30 3177607 O 11/01/31 0 6032694 069/G02 F 395,600.00 ZZ 360 394,916.86 1 6.750 2,565.86 66 6.500 2,565.86 1 MARTINEZ CA 94553 2 10/24/01 00 0433483492 05 12/01/01 0 88210679 O 11/01/31 0 6033300 B60/G02 F 259,500.00 ZZ 360 259,073.34 1 7.000 1,726.46 79 6.750 1,726.46 CHULA VISTA CA 91910 2 10/11/01 00 0433390135 05 12/01/01 0 360976 O 11/01/31 0 6034286 E82/G02 F 100,000.00 ZZ 360 99,839.59 1 7.125 673.72 80 6.875 673.72 COLCHESTER CT 06415 5 10/16/01 00 0400502829 05 12/01/01 0 0400502829 O 11/01/31 0 6034438 664/G02 F 388,000.00 ZZ 360 386,201.14 1 7.375 2,679.82 80 7.125 2,679.82 GILROY CA 95020 2 06/19/01 00 0433277100 03 08/01/01 0 0008139800 O 07/01/31 0 6034732 664/G02 F 180,000.00 ZZ 360 179,175.68 4 8.250 1,352.28 90 8.000 1,352.28 ALBANY OR 97321 1 05/30/01 01 0433271988 05 07/01/01 25 0008094054 N 06/01/31 0 6034934 664/G02 F 168,000.00 ZZ 360 166,980.38 1 7.500 1,174.69 60 7.250 1,174.69 BUCKINGHAM TOWN PA 18901 5 04/30/01 00 0433271574 05 06/01/01 0 0008062788 O 05/01/31 0 1 6035100 664/G02 F 329,600.00 ZZ 360 328,683.70 1 7.875 2,389.83 80 7.625 2,389.83 HERNDON VA 20170 1 08/22/01 00 0433271426 03 10/01/01 0 0008309569 O 09/01/31 0 6040896 664/G02 F 139,000.00 ZZ 360 137,530.66 1 7.375 960.04 58 7.125 960.04 CROOKED RIVER R OR 97760 2 06/19/01 00 0433272648 03 08/01/01 0 0008126914 O 07/01/31 0 6042008 664/G02 F 85,500.00 ZZ 360 84,899.84 1 7.375 590.53 90 7.125 590.53 BELLA VISTA AR 72714 1 03/21/01 11 0433266483 03 05/01/01 25 0003913043 O 04/01/31 0 6048524 B44/G02 F 104,700.00 ZZ 360 104,514.73 1 6.625 670.41 86 6.375 670.41 CALDWELL ID 83607 2 10/25/01 11 0433419827 05 12/01/01 12 11016760530 O 11/01/31 0 6049080 E47/G02 F 224,000.00 ZZ 360 223,603.65 1 6.625 1,434.30 80 6.375 1,434.30 SAN ANTONIO TX 78258 5 10/25/01 00 0433549268 03 12/01/01 0 7362010231 O 11/01/31 0 6054644 253/253 F 537,900.00 ZZ 360 537,099.10 1 1 7.500 3,761.08 80 7.250 3,761.08 SANTA FE NM 87506 1 10/05/01 00 982959 05 12/01/01 0 982959 O 11/01/31 0 6055030 940/G02 F 52,200.00 ZZ 360 52,129.71 1 8.000 383.03 90 7.750 383.03 PALM SPRINGS CA 92264 1 10/31/01 01 0433393451 02 12/01/01 25 40011076 N 11/01/31 0 6055218 N74/G02 F 96,300.00 ZZ 360 96,134.78 1 8.000 706.62 90 7.750 706.62 LIBERTY SC 29657 5 10/24/01 01 0433393428 05 12/01/01 25 0029443010 O 11/01/31 0 6059576 E22/G02 F 86,400.00 T 360 86,271.36 1 7.500 604.12 80 7.250 604.12 PEARLINGTON MS 39572 2 10/15/01 00 0413017757 05 12/01/01 0 0413017757 O 11/01/31 0 6059642 E22/G02 F 70,000.00 ZZ 360 69,835.20 1 7.250 477.52 85 7.000 477.52 MISHAWAKA IN 46544 5 10/15/01 04 0413086646 05 12/01/01 6 0413086646 O 11/01/31 0 6062026 N47/G02 F 86,000.00 ZZ 360 85,927.75 1 6.875 564.96 26 6.625 564.96 SAN MARCOS CA 92069 5 11/09/01 00 0433482890 05 01/01/02 0 1 30111914 O 12/01/31 0 6066482 H19/G02 F 360,500.00 ZZ 360 360,245.56 1 7.750 2,582.67 76 7.500 2,582.67 DUBLIN OH 43017 2 11/09/01 00 0433421732 05 01/01/02 0 0002302446 O 12/01/31 0 6072620 964/G02 F 625,000.00 ZZ 360 624,487.69 1 7.000 4,158.14 63 6.750 4,158.14 SEBASTOPOL CA 95472 5 11/02/01 00 0433423035 05 01/01/02 0 161274 O 12/01/31 0 6072856 N74/G02 F 65,700.00 ZZ 240 65,447.02 1 7.000 509.37 90 6.750 509.37 GREENVILLE SC 29605 5 10/24/01 10 0433385432 05 12/01/01 25 0029447010 O 11/01/21 0 6073780 588/G02 F 143,100.00 ZZ 360 142,881.55 1 7.375 988.36 80 7.125 988.36 ALEXANDRIA VA 22310 1 10/30/01 00 0433394277 05 12/01/01 0 1051493 O 11/01/31 0 6074456 G34/G02 F 181,600.00 ZZ 360 181,454.78 2 7.125 1,223.47 80 6.875 1,223.47 PASADENA CA 91107 1 11/08/01 00 0433443033 05 01/01/02 0 44771035108 O 12/01/31 0 1 6074798 964/G02 F 153,000.00 ZZ 360 152,874.59 2 7.000 1,017.91 75 6.750 1,017.91 SALT LAKE CITY UT 84106 2 11/20/01 00 0433469483 05 01/01/02 0 156535 O 12/01/31 0 6074880 286/286 F 90,000.00 ZZ 360 89,766.22 1 6.750 583.74 60 6.500 583.74 ANDERSON SC 29621 5 09/17/01 00 562881 05 11/01/01 0 562881 N 10/01/31 0 6074886 286/286 F 60,000.00 ZZ 360 59,820.20 1 7.500 419.53 59 7.250 419.53 ASHLAND OR 97520 5 08/29/01 00 535235 01 10/01/01 0 535235 N 09/01/31 0 6074908 286/286 F 48,000.00 ZZ 360 47,895.09 1 7.625 339.75 74 7.375 339.75 COLUMBUS OH 43222 5 09/20/01 00 560378 05 11/01/01 0 560378 N 10/01/31 0 6074914 286/286 F 91,000.00 ZZ 360 90,810.87 1 7.875 659.82 70 7.625 659.82 CINCINNATI OH 45245 5 09/14/01 00 549934 05 11/01/01 0 549934 N 10/01/31 0 6074920 286/286 F 88,500.00 ZZ 360 88,296.73 2 7.375 611.25 49 7.125 611.25 1 EUGENE OR 97402 5 09/10/01 00 463287 05 11/01/01 0 463287 N 10/01/31 0 6074952 286/286 F 40,000.00 ZZ 360 39,900.52 1 7.000 266.13 67 6.750 266.13 GLENDALE AZ 85302 5 09/10/01 00 565620 01 11/01/01 0 565620 N 10/01/31 0 6074982 286/286 F 54,000.00 ZZ 360 53,879.01 1 7.500 377.58 65 7.250 377.58 PHOENIX AZ 85027 5 09/14/01 00 572600 05 11/01/01 0 572600 N 10/01/31 0 6075006 286/286 F 57,000.00 ZZ 360 56,869.07 1 7.375 393.69 72 7.125 393.69 STAUNTON VA 24401 5 09/20/01 00 569248 05 11/01/01 0 569248 N 10/01/31 0 6075066 286/286 F 75,000.00 ZZ 360 74,819.00 4 7.125 505.29 45 6.875 505.29 PHOENIX AZ 85032 5 09/10/01 00 9894672 05 11/01/01 0 9894672 N 10/01/31 0 6081236 X31/G02 F 135,000.00 ZZ 360 134,772.52 1 6.875 886.85 75 6.625 886.85 LOS ANGELES CA 90047 5 10/24/01 00 0433469913 05 12/01/01 0 40100230 O 11/01/31 0 1 6083666 E22/G02 F 93,500.00 ZZ 360 93,346.27 1 7.000 622.06 67 6.750 622.06 AUSTIN TX 78749 5 10/15/01 00 0413060252 05 12/01/01 0 0413060252 O 11/01/31 0 6083714 E22/G02 F 86,000.00 ZZ 360 85,878.23 1 7.750 616.11 64 7.500 616.11 PUEBLO CO 81004 5 10/15/01 00 0413084153 05 12/01/01 0 0413084153 O 11/01/31 0 6086892 F44/G02 F 140,000.00 ZZ 360 139,898.66 1 7.625 990.92 67 7.375 990.92 LINDENHURST NY 11757 5 11/07/01 00 0433392883 05 01/01/02 0 01061021 O 12/01/31 0 6090128 W93/G02 F 185,000.00 ZZ 360 184,572.54 1 7.500 1,293.55 57 7.250 1,293.55 GARDEN GROVE CA 92844 2 09/21/01 00 0433287174 05 11/01/01 0 03304784 N 10/01/31 0 6091116 E47/G02 F 90,100.00 ZZ 360 90,031.44 1 7.375 622.30 85 7.125 622.30 TAMPA FL 33614 5 11/02/01 10 0433405099 05 01/01/02 17 7361011555 O 12/01/31 0 6096398 E47/G02 F 71,250.00 ZZ 360 71,030.97 1 1 7.875 516.61 75 7.625 516.61 TAMPA FL 33614 5 11/02/01 00 0433350600 05 12/01/01 0 7361011554 N 11/01/31 0 6097198 U05/G02 F 160,000.00 ZZ 360 159,730.39 1 6.875 1,051.09 62 6.625 1,051.09 SCOTTSDALE AZ 85254 5 10/30/01 00 0433439593 05 12/01/01 0 3173694 O 11/01/31 0 6097312 253/253 F 86,400.00 ZZ 360 86,268.10 1 7.375 596.75 80 7.125 596.75 TYLER TX 75701 5 11/02/01 00 979736 05 12/01/01 0 979736 O 11/01/31 0 6098082 U66/G02 F 26,325.00 ZZ 360 26,306.89 1 7.875 190.87 90 7.625 190.87 BAYTOWN TX 77520 1 11/14/01 11 0433470382 09 01/01/02 25 299 N 12/01/31 0 6100876 B57/G02 F 296,000.00 ZZ 360 295,780.33 1 7.500 2,069.67 80 7.250 2,069.67 LOS ANGELES CA 90045 1 11/16/01 00 0433456027 05 01/01/02 0 2160310 O 12/01/31 0 6100908 U66/G02 F 28,530.00 ZZ 360 28,509.87 1 7.750 204.39 90 7.500 204.39 BAYTOWN TX 77520 1 11/01/01 11 0433424405 09 01/01/02 25 1 298 N 12/01/31 0 6101750 P01/G02 F 211,500.00 ZZ 360 211,350.72 1 7.750 1,515.22 90 7.500 1,515.22 BROOKFIELD CT 06804 1 11/21/01 04 0433449535 05 01/01/02 30 01006593 O 12/01/31 0 6101882 N74/G02 F 110,000.00 ZZ 240 109,550.19 1 6.500 820.13 74 6.250 820.13 MONTICELLO AR 71655 5 10/26/01 00 0433365327 05 12/01/01 0 0029453010 O 11/01/21 0 6101914 T29/G02 F 59,000.00 ZZ 360 58,916.45 1 7.750 422.68 70 7.500 422.68 RIO RANCHO NM 87124 1 10/19/01 00 0433398732 05 12/01/01 0 1230273 O 11/01/31 0 6104366 R21/G02 F 47,700.00 ZZ 360 47,635.77 4 8.000 350.01 77 7.750 350.01 CHICAGO IL 60609 1 11/01/01 00 0433469020 05 12/01/01 0 5826786 N 11/01/31 0 6106314 T90/G02 F 177,650.00 ZZ 360 177,398.41 1 7.750 1,272.71 95 7.500 1,272.71 NORCROSS GA 30093 1 10/15/01 11 0433338175 05 12/01/01 30 56859 O 11/01/31 0 1 6108594 W02/G02 F 286,000.00 ZZ 360 285,518.07 1 6.875 1,878.82 82 6.625 1,878.82 SAN JOSE CA 95121 5 10/26/01 14 0433424462 05 12/01/01 12 1000466573 O 11/01/31 0 6108814 Q14/G02 F 81,000.00 ZZ 360 80,890.94 1 8.000 594.35 86 7.750 594.35 ALBIA IA 52531 5 10/30/01 01 0433353752 05 12/01/01 25 0105626 O 11/01/31 0 6108880 313/G02 F 592,500.00 ZZ 360 591,476.85 1 6.750 3,842.95 75 6.500 3,842.95 SCOTTSDALE AZ 85260 5 10/26/01 00 0433468154 05 12/01/01 0 8383606 O 11/01/31 0 6111078 E22/G02 F 101,600.00 ZZ 360 101,383.88 1 7.125 684.50 80 6.875 684.50 GROVE OK 74344 1 10/23/01 00 0413158486 05 12/01/01 0 0413158486 O 11/01/31 0 6111096 E22/G02 F 213,750.00 ZZ 360 213,447.30 1 7.750 1,531.33 95 7.500 1,531.33 LAKE WORTH FL 33467 1 10/23/01 04 0413187626 03 12/01/01 35 0413187626 O 11/01/31 0 6111702 P01/G02 F 178,200.00 ZZ 360 178,071.02 1 7.625 1,261.29 90 7.375 1,261.29 1 RENSSELAER NY 12144 1 11/05/01 04 0433398443 05 01/01/02 25 01005080 O 12/01/31 0 6112296 M43/G02 F 359,000.00 ZZ 360 358,516.62 1 8.000 2,634.22 87 7.750 2,634.22 STERLING VA 20165 5 10/26/01 11 0433485497 03 12/01/01 25 74343174 O 11/01/31 0 6112644 B28/G02 F 546,000.00 ZZ 360 545,166.51 1 7.375 3,771.09 75 7.125 3,771.09 EDEN UT 84310 2 10/29/01 00 0433486990 05 12/01/01 0 02300376 O 11/01/31 0 6113038 369/G02 F 552,500.00 ZZ 360 552,110.05 1 7.750 3,958.18 65 7.500 3,958.18 CHRISTIANA PA 17509 2 11/19/01 00 0433495892 05 01/01/02 0 0072932254 O 12/01/31 0 6117918 H19/G02 F 60,900.00 ZZ 360 60,817.99 1 8.000 446.87 58 7.750 446.87 HENDERSON NV 89014 1 10/29/01 00 0433395829 01 12/01/01 0 0002283026 O 11/01/31 0 6121382 477/G02 F 376,000.00 ZZ 360 375,366.43 1 6.875 2,470.05 80 6.625 2,470.05 PLEASANT HILL CA 94523 5 10/30/01 00 0433425089 05 12/01/01 0 118317 O 11/01/31 0 1 6123110 883/G02 F 150,000.00 ZZ 360 149,759.38 1 7.125 1,010.58 79 6.875 1,010.58 OAKWOOD VILLAGE OH 44146 2 10/12/01 00 0433385168 05 12/01/01 0 01001476 O 11/01/31 0 6125288 T90/G02 F 142,000.00 ZZ 360 141,880.70 1 6.875 932.84 89 6.625 932.84 LAKE CHARLES LA 70605 2 11/26/01 12 0433446796 05 01/01/02 25 61399 O 12/01/31 0 6125888 A35/A35 F 342,000.00 ZZ 360 341,739.76 1 7.375 2,362.11 80 7.125 2,362.11 WHITE PLAINS NY 10605 1 11/28/01 00 12438 05 01/01/02 0 12438 O 12/01/31 0 6133120 940/G02 F 140,000.00 ZZ 360 139,906.06 3 8.000 1,027.27 38 7.750 1,027.27 RANCHO CUCAMONG CA 91739 2 11/26/01 00 0433453396 05 01/01/02 0 23010449 O 12/01/31 0 6137118 E82/G02 F 111,000.00 ZZ 360 110,812.96 1 6.875 729.19 65 6.625 729.19 HOLYOKE CO 80734 2 10/18/01 00 0400501763 05 12/01/01 0 1787252 O 11/01/31 0 6137130 E82/G02 F 93,000.00 ZZ 360 92,533.79 1 1 6.625 595.49 69 6.375 595.49 LARGO FL 33773 2 10/22/01 00 0400513776 03 12/01/01 0 1661018 O 11/01/31 0 6144654 U05/G02 F 319,500.00 ZZ 360 319,000.02 1 7.250 2,179.55 90 7.000 2,179.55 SKOKIE IL 60076 5 11/02/01 01 0433430873 05 12/01/01 25 3179276 O 11/01/31 0 6147220 964/G02 F 100,000.00 ZZ 360 99,923.90 1 7.375 690.68 80 7.125 690.68 TEMPE AZ 85282 1 11/06/01 00 0433383429 05 01/01/02 0 155171 O 12/01/31 0 6148074 G52/G02 F 142,500.00 ZZ 360 142,308.14 1 8.000 1,045.61 95 7.750 1,045.61 TUCSON AZ 85747 1 10/30/01 10 0433428968 03 12/01/01 25 7000001155 O 11/01/31 0 6149588 964/G02 F 650,000.00 ZZ 360 649,467.20 1 7.000 4,324.47 73 6.750 4,324.47 SACRAMENTO CA 95864 5 10/31/01 00 0433490323 05 01/01/02 0 136736 O 12/01/31 0 6152874 E23/G02 F 400,000.00 ZZ 360 400,000.00 1 7.625 2,831.17 80 7.375 2,831.17 WINDSOR CA 95492 1 12/03/01 00 0433500402 05 02/01/02 0 1 61002972 O 01/01/32 0 6156736 624/G02 F 125,000.00 ZZ 360 124,894.99 1 6.875 821.16 65 6.625 821.16 GRASS VALLEY CA 95945 5 10/31/01 00 0433426673 05 01/01/02 0 36800511923F O 12/01/31 0 6158004 U05/G02 F 390,000.00 ZZ 360 389,672.36 1 6.875 2,562.02 80 6.625 2,562.02 THE WOODLANDS TX 77381 5 11/09/01 00 0433492774 05 01/01/02 0 3181254 O 12/01/31 0 6158232 X31/G02 F 198,750.00 ZZ 360 198,598.76 1 7.375 1,372.72 75 7.125 1,372.72 PASADENA CA 91107 1 11/06/01 00 0433392511 05 01/01/02 0 40100239 N 12/01/31 0 6161946 E82/G02 F 83,000.00 ZZ 360 82,873.30 1 7.375 573.26 60 7.125 573.26 TOOELE UT 84074 2 10/25/01 00 0400471702 05 12/01/01 0 1990384 O 11/01/31 0 6161954 E82/G02 F 95,200.00 ZZ 360 95,039.58 1 6.875 625.40 66 6.625 625.40 PASCO WA 99301 2 10/24/01 00 0400519526 05 12/01/01 0 0400519526 O 11/01/31 0 1 6162592 U05/G02 F 225,000.00 ZZ 360 224,815.57 4 7.000 1,496.93 75 6.750 1,496.93 WEST CHESTER PA 19380 5 11/05/01 00 0433447414 05 01/01/02 0 3175307 O 12/01/31 0 6163100 313/G02 F 219,275.00 ZZ 360 219,099.65 3 7.125 1,477.30 90 6.875 1,477.30 BROCKTON MA 02301 5 11/16/01 12 0433434248 05 01/01/02 25 0008440893 O 12/01/31 0 6169914 253/253 F 129,350.00 ZZ 360 129,256.37 4 7.625 915.54 90 7.375 915.54 COLUMBUS OH 43231 1 11/29/01 14 980761 05 01/01/02 25 980761 N 12/01/31 0 6170158 R65/G02 F 414,400.00 ZZ 360 414,051.86 1 6.875 2,722.31 80 6.625 2,722.31 LEESBURG VA 20175 5 11/09/01 00 0433425444 05 01/01/02 0 20015699 O 12/01/31 0 6171682 950/G02 F 213,000.00 ZZ 360 212,713.21 4 8.000 1,562.92 87 7.750 1,562.92 BEAVERTON OR 97005 1 10/31/01 11 0433540028 05 12/01/01 25 E1110046 N 11/01/31 0 6172372 N74/G02 F 64,000.00 ZZ 240 63,742.17 1 6.625 481.89 84 6.375 481.89 1 GLADYS VA 24554 5 10/26/01 10 0433427705 05 12/01/01 12 029457010 O 11/01/21 0 6173674 H19/G02 F 403,400.00 ZZ 360 402,617.81 1 7.250 2,751.90 80 7.000 2,751.90 LAS VEGAS NV 89117 2 10/12/01 00 0433495009 03 12/01/01 0 0002282333 O 11/01/31 0 6174628 588/G02 F 390,000.00 ZZ 360 389,419.31 1 7.500 2,726.94 61 7.250 2,726.94 VIENNA VA 22182 1 10/31/01 00 0433431939 09 12/01/01 0 1050093 N 11/01/31 0 6176360 783/G02 F 420,000.00 ZZ 360 419,629.44 1 6.625 2,689.31 65 6.375 2,689.31 OLYMPIA WA 98502 2 11/06/01 00 0433479094 05 01/01/02 0 9420002431 O 12/01/31 0 6181468 N47/G02 F 350,000.00 ZZ 360 349,705.96 1 6.875 2,299.25 77 6.625 2,299.25 SAN JOSE CA 95135 2 11/05/01 00 0433486578 05 01/01/02 0 20311654 O 12/01/31 0 6183966 286/286 F 49,400.00 ZZ 360 49,292.06 1 7.625 349.65 97 7.375 349.65 PLAINVILLE CT 06062 1 09/28/01 12 9900865 05 11/01/01 35 9900865 O 10/01/31 0 1 6183988 286/286 F 284,500.00 ZZ 360 283,604.17 1 7.250 1,940.79 65 7.000 1,940.79 SAN JOSE CA 95133 5 08/02/01 00 9873157 05 10/01/01 0 9873157 N 09/01/31 0 6184024 286/286 F 53,350.00 ZZ 360 53,230.48 1 7.500 373.03 97 7.250 373.03 CHICAGO IL 60620 1 09/28/01 11 9895792 05 11/01/01 35 9895792 O 10/01/31 0 6184030 286/286 F 17,100.00 ZZ 360 11,036.48 1 8.500 131.48 90 8.250 131.48 PHILADELPHIA PA 19151 1 10/10/01 11 9901338 05 12/01/01 25 9901338 N 11/01/31 0 6184050 286/286 F 52,900.00 ZZ 240 52,705.39 1 7.375 422.12 61 7.125 422.12 PHOENIX AZ 85051 5 10/02/01 00 9901601 05 12/01/01 0 9901601 N 11/01/21 0 6184112 286/286 F 284,500.00 ZZ 360 283,431.01 1 7.500 1,989.27 66 7.250 1,989.27 PLEASANT HILL CA 94523 5 07/20/01 00 9870912 05 09/01/01 0 9870912 N 08/01/31 0 6184180 286/286 F 70,810.00 ZZ 360 70,651.36 1 1 7.500 495.11 97 7.250 495.11 NAPLES FL 34113 1 09/28/01 14 9902665 01 11/01/01 35 9902665 O 10/01/31 0 6187854 X31/G02 F 194,500.00 ZZ 360 194,172.25 1 6.875 1,277.73 69 6.625 1,277.73 WESTMINSTER CA 92683 5 10/24/01 00 0433433612 05 12/01/01 0 40A00075 O 11/01/31 0 6188338 E22/G02 F 142,750.00 ZZ 360 142,532.09 1 7.375 985.94 83 7.125 985.94 FORT COLLINS CO 80521 2 10/22/01 01 0413090713 05 12/01/01 12 0413090713 O 11/01/31 0 6188478 E22/G02 F 88,800.00 ZZ 360 88,526.23 1 7.250 605.77 80 7.000 605.77 PEARLAND TX 77581 5 10/22/01 00 0413166091 05 12/01/01 0 0413166091 O 11/01/31 0 6189164 E82/G02 F 135,000.00 ZZ 360 134,772.53 1 6.875 886.85 90 6.625 886.85 TELLURIDE CO 81435 2 10/25/01 04 0400516795 01 12/01/01 30 0400516795 O 11/01/31 0 6200038 738/G02 F 57,600.00 ZZ 360 57,559.34 1 7.750 412.66 80 7.500 412.66 WENDELL NC 27591 1 11/07/01 00 0433444734 05 01/01/02 0 1 40164968 N 12/01/31 0 6201028 Q57/G02 F 68,000.00 ZZ 360 67,944.26 1 7.000 452.41 80 6.750 452.41 BULLHEAD CITY AZ 86442 1 11/29/01 00 0433495090 05 01/01/02 0 47300072 N 12/01/31 0 6202800 624/G02 F 199,200.00 ZZ 360 199,040.70 1 7.125 1,342.05 80 6.875 1,342.05 CARNELIAN BAY CA 96140 1 10/31/01 00 0433426707 05 01/01/02 0 36800710873F O 12/01/31 0 6207752 Q57/G02 F 97,500.00 ZZ 360 97,358.41 1 7.625 690.10 75 7.375 690.10 HOUSTON TX 77007 5 11/05/01 00 0433432937 05 12/01/01 0 44400034 N 11/01/31 0 6208312 964/G02 F 326,000.00 ZZ 360 325,726.12 1 6.875 2,141.59 73 6.625 2,141.59 FOUNTAIN VALLEY CA 92708 5 11/06/01 00 0433441342 05 01/01/02 0 153922 O 12/01/31 0 6208736 N47/G02 F 312,000.00 ZZ 360 311,731.37 1 6.750 2,023.63 80 6.500 2,023.63 MISSION VIEJO CA 92691 5 11/16/01 00 0433447208 03 01/01/02 0 30311722 O 12/01/31 0 1 6211468 E82/G02 F 89,000.00 T 360 88,860.72 1 7.250 607.14 80 7.000 607.14 TAVERNIER FL 33070 2 10/26/01 00 0400521894 01 12/01/01 0 1647570 O 11/01/31 0 6212202 G52/G02 F 158,650.00 ZZ 360 158,137.19 1 8.250 1,191.88 95 8.000 1,191.88 ALBUQUERQUE NM 87111 5 07/20/01 10 0433426681 05 09/01/01 30 5605000694 O 08/01/31 0 6212586 T61/G02 F 316,000.00 ZZ 360 315,563.63 1 7.875 2,291.22 80 7.625 2,291.22 WASHINGTON DC 20016 2 10/16/01 00 0433502432 05 12/01/01 0 72132001 O 11/01/31 0 6213142 A35/G02 F 231,000.00 ZZ 360 230,819.80 1 7.250 1,575.83 65 7.000 1,575.83 HOLBROOK NY 11741 5 11/19/01 00 0433541216 05 01/01/02 0 12686 O 12/01/31 0 6213168 E22/G02 F 65,600.00 ZZ 240 65,362.32 1 7.500 528.47 90 7.250 528.47 GADSDEN AL 35903 2 10/24/01 04 0413041104 05 12/01/01 25 0413041104 O 11/01/21 0 6213196 E22/G02 F 70,000.00 ZZ 360 69,903.34 1 7.875 507.55 58 7.625 507.55 1 PLANO TX 75023 5 10/24/01 00 0413068362 05 12/01/01 0 0413068362 O 11/01/31 0 6213320 E22/G02 F 102,050.00 ZZ 360 101,901.81 1 7.625 722.30 65 7.375 722.30 PLANO TX 75075 5 10/22/01 00 0413121492 05 12/01/01 0 0413121492 O 11/01/31 0 6216280 T44/G02 F 104,000.00 ZZ 360 103,916.83 1 7.125 700.67 80 6.875 700.67 ELK GROVE CA 95624 1 11/06/01 00 0433424710 05 01/01/02 0 1023867 N 12/01/31 0 6219290 M37/G02 F 92,600.00 ZZ 360 92,462.13 1 7.500 647.47 90 7.250 647.47 PEORIA AZ 85345 1 10/31/01 01 0433393568 05 12/01/01 30 604107 N 11/01/31 0 6220852 X08/G02 F 55,200.00 ZZ 360 55,158.00 1 7.375 381.25 80 7.125 381.25 WILLARD UT 84340 1 11/02/01 00 0433424249 05 01/01/02 0 6002456 N 12/01/31 0 6227764 T44/G02 F 178,250.00 ZZ 360 178,117.71 1 7.500 1,246.35 70 7.250 1,246.35 SEATTLE WA 98115 5 11/05/01 00 0433439171 05 01/01/02 0 1025428 O 12/01/31 0 1 6229146 700/G02 F 464,000.00 ZZ 360 463,600.50 1 6.750 3,009.50 80 6.500 3,009.50 VENTURA CA 93001 5 11/14/01 00 0433424165 05 01/01/02 0 0000168906 O 12/01/31 0 6230342 U05/G02 F 300,000.00 ZZ 360 299,747.96 1 6.875 1,970.79 79 6.625 1,970.79 OAKDALE CA 95361 1 11/17/01 00 0433446135 05 01/01/02 0 3183061 O 12/01/31 0 6230686 X31/G02 F 187,000.00 ZZ 360 186,839.00 2 6.750 1,212.88 78 6.500 1,212.88 LA PUENTE CA 91746 5 11/02/01 00 0433397759 05 01/01/02 0 10100218 O 12/01/31 0 6237188 E22/G02 F 62,000.00 ZZ 360 61,610.38 1 7.750 444.18 57 7.500 444.18 WEST BLOCTON AL 35184 5 10/25/01 00 0413204355 05 12/01/01 0 0413204355 O 11/01/31 0 6238668 Q57/G02 F 82,500.00 ZZ 360 82,440.29 1 7.625 583.93 75 7.375 583.93 HOUSTON TX 77007 5 11/05/01 00 0433479508 05 01/01/02 0 4440003 N 12/01/31 0 6239128 E11/G02 F 344,000.00 ZZ 360 343,710.99 1 1 6.875 2,259.84 80 6.625 2,259.84 INDEPENDENCE MN 55357 5 11/06/01 00 0433488541 05 01/01/02 0 0003001036747 O 12/01/31 0 6242550 313/G02 F 72,000.00 ZZ 360 71,943.83 4 7.250 491.17 90 7.000 491.17 SAINT LOUIS MO 63118 2 11/30/01 11 0433493947 05 01/01/02 20 0008315061 N 12/01/31 0 6243654 M11/G02 F 166,250.00 ZZ 360 166,110.33 1 6.875 1,092.14 95 6.625 1,092.14 HUMBLE TX 77339 1 11/19/01 12 0433495140 03 01/01/02 30 1790025 O 12/01/31 0 6247478 W08/G02 F 76,000.00 ZZ 360 75,875.04 1 7.000 505.63 95 6.750 505.63 MIAMI FL 33188 1 11/02/01 10 0433434065 01 12/01/01 30 010312M O 11/01/31 0 6248058 N74/G02 F 100,650.00 ZZ 360 100,556.77 1 6.375 627.93 72 6.125 627.93 COLUMBIA SC 29209 2 11/06/01 00 0433430337 05 01/01/02 0 0029498010 O 12/01/31 0 6250506 A50/G02 F 80,000.00 ZZ 360 79,861.85 1 6.750 518.88 70 6.500 518.88 CALHOUN GA 30701 2 10/02/01 00 0433325107 05 12/01/01 0 1 502897 O 11/01/31 0 6252468 U85/G02 F 200,000.00 ZZ 360 199,858.85 1 7.750 1,432.82 80 7.500 1,432.82 HOFFMAN ESTATES IL 60195 5 11/02/01 00 0433441219 05 01/01/02 0 1 O 12/01/31 0 6252852 U05/G02 F 106,800.00 ZZ 360 106,716.69 1 7.250 728.56 80 7.000 728.56 TYLER TX 75703 5 11/12/01 00 0433443611 05 01/01/02 0 3178838 O 12/01/31 0 6253004 624/G02 F 255,920.00 T 360 255,710.23 1 7.000 1,702.64 80 6.750 1,702.64 SAN DIEGO CA 92123 1 11/08/01 00 0433425485 05 01/01/02 0 72011711363F O 12/01/31 0 6253242 U05/G02 F 26,600.00 ZZ 360 26,581.22 1 7.750 190.57 95 7.500 190.57 HOUSTON TX 77035 1 11/15/01 10 0433422235 05 01/01/02 30 3163186 O 12/01/31 0 6253710 H58/G02 F 300,000.00 ZZ 360 299,728.79 1 6.500 1,896.21 75 6.250 1,896.21 MISSION VIEJO CA 92692 1 11/05/01 00 0433429305 03 01/01/02 0 0000079395 O 12/01/31 0 1 6258534 F89/G02 F 100,000.00 ZZ 360 99,929.42 1 7.750 716.41 69 7.500 716.41 SAN DIEGO CA 92116 1 11/02/01 00 0433403383 05 01/01/02 0 14966 N 12/01/31 0 6264608 E22/G02 F 617,800.00 ZZ 360 616,880.13 1 7.500 4,319.75 59 7.250 4,319.75 HUNT TX 78024 5 10/26/01 00 0413056300 03 12/01/01 0 0413056300 O 11/01/31 0 6264624 E22/G02 F 95,920.00 ZZ 360 95,769.90 1 7.250 654.34 80 7.000 654.34 MERIDIAN ID 83642 2 10/24/01 00 0413080953 05 12/01/01 0 0413080953 O 11/01/31 0 6264660 E22/G02 F 92,150.00 ZZ 360 92,019.52 1 7.750 660.17 95 7.500 660.17 OAKLAND PARK FL 33309 5 10/26/01 04 0413099755 01 12/01/01 30 0413099755 O 11/01/31 0 6264818 E22/G02 F 93,000.00 ZZ 360 92,858.03 1 7.375 642.33 80 7.125 642.33 LLANO TX 78643 5 10/25/01 00 0413162850 05 12/01/01 0 0413162850 O 11/01/31 0 6264856 E22/G02 F 107,350.00 ZZ 360 107,197.97 1 7.750 769.07 95 7.500 769.07 1 PALM SPRINGS FL 33461 5 10/26/01 04 0413172818 05 12/01/01 30 0413172818 O 11/01/31 0 6264902 E22/G02 F 71,425.00 ZZ 360 71,301.67 1 6.750 463.26 63 6.500 463.26 HOUSTON TX 77088 2 10/26/01 00 0413184961 03 12/01/01 0 0413184961 O 11/01/31 0 6264968 E22/G02 F 200,000.00 ZZ 360 199,737.47 4 8.125 1,484.99 80 7.875 1,484.99 NEWARK NJ 07105 1 10/31/01 00 0413200551 05 12/01/01 0 0413200551 N 11/01/31 0 6271004 758/G02 F 236,000.00 ZZ 360 235,811.27 1 7.125 1,589.98 80 6.875 1,589.98 HOUSTON TX 77040 5 11/06/01 00 0433428588 03 01/01/02 0 101306 O 12/01/31 0 6271612 642/G02 F 84,500.00 ZZ 360 84,357.62 1 6.875 555.10 65 6.625 555.10 CRANSTON RI 02920 5 10/30/01 00 0433388428 05 12/01/01 0 10167101 O 11/01/31 0 6274944 964/G02 F 615,000.00 ZZ 360 614,520.24 1 7.250 4,195.39 72 7.000 4,195.39 SAN JUAN BAUTIS CA 95045 5 11/13/01 00 0433427838 05 01/01/02 0 165491 O 12/01/31 0 1 6276322 964/G02 F 180,000.00 ZZ 360 179,872.96 1 7.750 1,289.54 69 7.500 1,289.54 HOOD RIVER OR 97031 2 11/08/01 00 0433394509 05 01/01/02 0 161047 O 12/01/31 0 6278692 H19/G02 F 60,000.00 ZZ 360 59,959.74 4 8.000 440.26 90 7.750 440.26 DAYTON OH 45405 1 11/29/01 10 0433489432 05 01/01/02 25 0002297885 N 12/01/31 0 6279476 076/076 F 367,000.00 ZZ 360 366,542.17 1 8.375 2,789.47 52 8.125 2,789.47 LAKE BLUFF IL 60044 2 10/09/01 00 1799417 03 12/01/01 0 1799417 O 11/01/31 0 6280402 E76/G02 F 108,500.00 ZZ 360 108,421.47 4 7.625 767.96 87 7.375 767.96 MARRERO LA 70072 2 11/08/01 10 0433440393 05 01/01/02 30 10009205 N 12/01/31 0 6280532 N31/G02 F 364,000.00 ZZ 360 363,701.63 1 7.000 2,421.70 80 6.750 2,421.70 ANAHEIM CA 92807 2 11/19/01 00 0433441755 03 01/01/02 0 LLO1253 O 12/01/31 0 6282120 825/G02 F 396,000.00 ZZ 360 396,000.00 1 1 6.875 2,601.44 26 6.625 2,601.44 ASPEN CO 81611 2 12/14/01 00 0433495512 05 02/01/02 0 WOODS O 01/01/32 0 6282122 R84/G02 F 325,800.00 ZZ 360 325,302.66 1 7.375 2,250.22 57 7.125 2,250.22 HOUSTON TX 77057 5 10/31/01 00 0433432085 03 12/01/01 0 0504203 O 11/01/31 0 6288568 X31/G02 F 176,000.00 ZZ 360 175,852.14 1 6.875 1,156.19 75 6.625 1,156.19 ANAHEIM CA 92804 5 11/07/01 00 0433393790 05 01/01/02 0 40100280 O 12/01/31 0 6290848 E22/G02 F 133,000.00 ZZ 360 132,801.96 1 7.500 929.96 95 7.250 929.96 KINGWOOD TX 77339 1 10/31/01 04 0413122318 03 12/01/01 30 0413122318 O 11/01/31 0 6290894 E22/G02 F 80,000.00 ZZ 360 79,889.52 1 7.875 580.06 76 7.625 580.06 MESQUITE TX 75150 5 10/26/01 00 0413162389 05 12/01/01 0 0413162389 O 11/01/31 0 6291512 E82/G02 F 132,300.00 ZZ 360 132,092.96 1 7.250 902.52 79 7.000 902.52 TUALATIN OR 97062 2 10/26/01 00 0400515243 05 12/01/01 0 1 6291512 O 11/01/31 0 6291542 E82/G02 F 81,100.00 ZZ 360 81,030.18 1 6.750 526.01 65 6.500 526.01 ROCKLIN CA 95677 2 10/31/01 00 0400533329 05 01/01/02 0 1966898 O 12/01/31 0 6296072 700/G02 F 163,000.00 ZZ 360 162,866.39 4 7.000 1,084.44 68 6.750 1,084.44 MONTCLAIR CA 91763 5 11/16/01 00 0433461027 05 01/01/02 0 00261735 O 12/01/31 0 6299696 B44/G02 F 84,071.00 ZZ 360 84,008.60 1 7.500 587.84 95 7.250 587.84 CALDWELL ID 83605 1 11/15/01 11 0433435039 03 01/01/02 30 4001120 O 12/01/31 0 6303990 B57/G02 F 300,000.00 ZZ 360 299,728.80 1 6.500 1,896.20 77 6.250 1,896.20 LOS ANGELES CA 91326 5 11/19/01 00 0433429800 05 01/01/02 0 2118669 O 12/01/31 0 6305136 076/076 F 368,590.00 ZZ 360 367,405.18 3 8.125 2,736.77 90 7.875 2,736.77 LONG BEACH CA 90814 1 07/31/01 12 5549684 05 10/01/01 25 5549684 O 09/01/31 0 1 6305968 163/G02 F 520,000.00 ZZ 360 519,573.75 1 7.000 3,459.58 80 6.750 3,459.58 BROOKLYN NY 11209 1 11/16/01 00 0433512845 05 01/01/02 0 1000292712 O 12/01/31 0 6307232 A35/G02 F 283,200.00 ZZ 360 282,734.37 4 7.000 1,884.14 80 6.750 1,884.14 STATEN ISLAND NY 10303 2 10/24/01 00 0433471539 05 12/01/01 0 12325 N 11/01/31 0 6308500 588/G02 F 217,600.00 ZZ 360 217,600.00 1 7.625 1,540.16 80 7.375 1,540.16 WASHINGTON DC 20008 1 12/21/01 00 0433530938 01 02/01/02 0 1052599 N 01/01/32 0 6317040 U05/G02 F 180,000.00 T 360 179,866.41 1 7.500 1,258.59 80 7.250 1,258.59 FLAGSTAFF AZ 85001 5 11/08/01 00 0433441359 05 01/01/02 0 3146833 O 12/01/31 0 6319618 E22/G02 F 72,000.00 ZZ 360 71,905.48 1 8.125 534.60 90 7.875 534.60 HAZEL GREEN AL 35750 5 10/29/01 01 0413074899 05 12/01/01 25 0413074899 O 11/01/31 0 6319668 E22/G02 F 126,000.00 ZZ 360 125,834.60 4 8.125 935.55 90 7.875 935.55 1 METAIRIE LA 70003 1 11/02/01 04 0413137159 05 12/01/01 25 0413137159 N 11/01/31 0 6319742 E22/G02 F 84,000.00 ZZ 360 83,882.97 1 7.875 609.06 75 7.625 609.06 EATSPOINTE MI 48021 5 10/29/01 00 0413181769 05 12/01/01 0 0413181769 O 11/01/31 0 6319748 E22/G02 F 108,000.00 ZZ 360 107,830.99 1 7.250 736.75 80 7.000 736.75 WEATHERFORD TX 76086 5 10/26/01 00 0413183500 05 12/01/01 0 0413183500 O 11/01/31 0 6319810 E22/G02 F 126,000.00 ZZ 360 125,834.60 4 8.125 935.55 90 7.875 935.55 METAIRIE LA 70003 1 11/02/01 04 0413216318 05 12/01/01 25 0413216318 N 11/01/31 0 6319812 E22/G02 F 126,000.00 ZZ 360 125,834.60 4 8.125 935.55 90 7.875 935.55 METAIRIE LA 70003 1 11/02/01 04 0413216326 05 12/01/01 25 0413216326 N 11/01/31 0 6319814 E22/G02 F 126,000.00 ZZ 360 125,834.60 4 8.125 935.55 90 7.875 935.55 METAIRIE LA 70003 1 11/02/01 04 0413216334 05 12/01/01 25 0413216334 N 11/01/31 0 1 6322710 G18/G02 F 336,000.00 ZZ 360 335,744.33 1 7.375 2,320.67 80 7.125 2,320.67 PRIOR LAKE MN 55372 5 11/13/01 00 0433425410 05 01/01/02 0 03SL20200600 O 12/01/31 0 6325330 664/G02 F 300,000.00 ZZ 360 299,101.02 1 7.500 2,097.65 79 7.250 2,097.65 CHINO HILLS CA 91709 1 08/14/01 00 0433307923 05 10/01/01 0 0008109225 O 09/01/31 0 6326502 420/G02 F 460,000.00 ZZ 360 459,613.55 1 6.875 3,021.87 28 6.625 3,021.87 PENNGROVE CA 94951 2 11/08/01 00 0433433091 05 01/01/02 0 71002750 O 12/01/31 0 6326966 624/G02 F 247,000.00 ZZ 360 246,787.34 1 6.750 1,602.04 53 6.500 1,602.04 CLAREMONT CA 91711 5 11/07/01 00 0433426749 05 01/01/02 0 3490011235 O 12/01/31 0 6326994 964/G02 F 77,600.00 ZZ 360 77,389.65 1 8.000 569.40 80 7.750 569.40 SCOTTSDALE AZ 85251 5 08/15/01 00 0433322567 01 10/01/01 0 136143 N 09/01/31 0 6328384 069/G02 F 380,000.00 ZZ 360 379,680.75 1 1 6.875 2,496.33 64 6.625 2,496.33 LAGUNA NIGUEL CA 92677 5 11/13/01 00 0433483625 05 01/01/02 0 88231527 O 12/01/31 0 6329136 M18/G02 F 241,800.00 ZZ 360 241,616.01 1 7.375 1,670.05 90 7.125 1,670.05 SANTA ANA CA 92704 1 11/08/01 04 0433527090 05 01/01/02 25 980101465 O 12/01/31 0 6332968 G18/G02 F 400,000.00 ZZ 360 399,342.33 1 7.000 2,661.21 79 6.750 2,661.21 BURNSVILLE MN 55306 5 10/23/01 00 0433449568 05 12/01/01 0 03JL00105500 O 11/01/31 0 6336168 B39/G02 F 156,750.00 ZZ 360 156,639.36 1 7.750 1,122.98 95 7.500 1,122.98 FRIDLEY MN 55432 5 11/09/01 04 0433423183 05 01/01/02 30 20012745F O 12/01/31 0 6336684 286/286 F 30,150.00 ZZ 360 30,094.80 1 8.500 231.83 90 8.250 231.83 WICHITA KS 67211 2 09/13/01 11 549364 05 11/01/01 25 549364 N 10/01/31 0 6336708 286/286 F 87,120.00 ZZ 360 86,870.56 1 7.875 631.69 90 7.625 631.69 CANAL FULTON OH 44614 1 08/31/01 11 533352 03 10/01/01 25 1 533352 O 09/01/31 0 6336718 286/286 F 49,600.00 ZZ 360 49,499.48 1 8.000 363.95 80 7.750 363.95 INDIANAPOLIS IN 46218 5 09/05/01 00 535065 05 11/01/01 0 535065 N 10/01/31 0 6336720 286/286 F 69,600.00 ZZ 360 69,455.36 1 7.875 504.65 80 7.625 504.65 INDIANAPOLIS IN 46237 5 09/05/01 00 535092 05 11/01/01 0 535092 N 10/01/31 0 6336724 286/286 F 94,500.00 ZZ 360 94,264.32 3 7.750 677.01 70 7.500 677.01 PHOENIX AZ 85032 5 09/17/01 00 578715 05 11/01/01 0 578715 N 10/01/31 0 6336726 286/286 F 33,000.00 ZZ 360 32,938.32 1 8.500 253.75 66 8.250 253.75 FORT WAYNE IN 46806 5 09/11/01 00 551322 05 11/01/01 0 551322 N 10/01/31 0 6336732 286/286 F 159,600.00 ZZ 360 159,390.09 1 8.125 1,185.03 95 7.875 1,185.03 EAST ORANGE NJ 07017 1 10/11/01 12 234483 05 12/01/01 30 234483 O 11/01/31 0 1 6336748 286/286 F 127,900.00 ZZ 360 127,570.35 1 8.250 960.88 80 8.000 960.88 MARENGO OH 43334 1 08/31/01 00 519122 05 10/01/01 0 519122 O 09/01/31 0 6336752 286/286 F 42,900.00 ZZ 360 42,808.55 1 7.750 307.35 65 7.500 307.35 PHOENIX AZ 85013 5 09/18/01 00 569930 01 11/01/01 0 569930 N 10/01/31 0 6336764 286/286 F 140,000.00 ZZ 360 139,701.65 1 7.750 1,002.98 80 7.500 1,002.98 ODENTON MD 21113 1 09/25/01 00 542597 05 11/01/01 0 542597 O 10/01/31 0 6336766 286/286 F 99,900.00 ZZ 360 99,687.09 1 7.750 715.70 90 7.500 715.70 STERLING HEIGHT MI 48312 5 09/20/01 21 322875 01 11/01/01 25 322875 O 10/01/31 0 6336768 286/286 F 71,000.00 ZZ 360 70,848.67 1 7.750 508.66 74 7.500 508.66 PITTSFIELD MA 01201 5 09/11/01 00 511712 05 11/01/01 0 511712 O 10/01/31 0 6336780 286/286 F 147,000.00 ZZ 360 146,603.15 1 7.250 1,002.80 74 7.000 1,002.80 1 ROANOKE VA 24014 5 09/10/01 00 520948 05 11/01/01 0 520948 O 10/01/31 0 6336796 286/286 F 85,000.00 ZZ 360 84,582.36 1 7.875 616.31 78 7.625 616.31 MIAMI FL 33175 5 05/25/01 00 364651 01 07/01/01 0 364651 O 06/01/31 0 6336818 286/286 F 190,500.00 ZZ 360 190,094.01 2 7.750 1,364.77 60 7.500 1,364.77 REVERE MA 02151 2 09/26/01 00 573040 05 11/01/01 0 573040 O 10/01/31 0 6336820 286/286 F 140,100.00 ZZ 360 139,744.86 1 6.875 920.36 80 6.625 920.36 WADSWORTH OH 44281 1 09/21/01 00 562397 05 11/01/01 0 562397 O 10/01/31 0 6336828 286/286 F 90,000.00 ZZ 360 89,795.17 1 7.500 629.30 90 7.250 629.30 PRESCOTT AR 71857 5 09/19/01 11 551814 05 11/01/01 25 551814 O 10/01/31 0 6336846 286/286 F 52,500.00 ZZ 360 52,393.61 1 8.000 385.23 58 7.750 385.23 PHOENIX AZ 85012 5 09/10/01 00 566942 05 11/01/01 0 566942 N 10/01/31 0 1 6336852 286/286 F 83,700.00 ZZ 360 83,449.08 1 7.875 606.89 90 7.625 606.89 HALLANDALE FL 33009 1 08/27/01 01 533290 01 10/01/01 25 533290 O 09/01/31 0 6336862 286/286 F 82,500.00 ZZ 360 82,356.56 1 8.750 649.03 75 8.500 649.03 ATLANTA GA 30318 5 09/07/01 00 444918 05 11/01/01 0 444918 N 10/01/31 0 6336906 286/286 F 155,000.00 ZZ 360 154,635.04 1 7.250 1,057.38 74 7.000 1,057.38 SEDONA AZ 86336 5 08/31/01 00 540169 05 11/01/01 0 540169 O 10/01/31 0 6336912 286/286 F 156,800.00 ZZ 360 156,421.57 1 7.125 1,056.40 80 6.875 1,056.40 CAVE CREEK AZ 85331 2 09/18/01 00 570716 03 11/01/01 0 570716 O 10/01/31 0 6336916 286/286 F 120,000.00 ZZ 360 119,646.98 1 7.500 839.06 80 7.250 839.06 HENDERSON NV 89014 5 09/25/01 00 589434 03 11/01/01 0 589434 O 10/01/31 0 6336922 286/286 F 70,000.00 ZZ 360 69,858.14 1 1 8.000 513.64 65 7.750 513.64 SCOTTSDALE AZ 85251 5 09/07/01 00 565627 03 11/01/01 0 565627 O 10/01/31 0 6336932 286/286 F 145,000.00 ZZ 360 144,080.31 1 7.000 964.69 39 6.750 964.69 QUEEN CREEK AZ 85242 5 09/18/01 00 572641 05 11/01/01 0 572641 O 10/01/31 0 6336936 286/286 F 80,000.00 ZZ 360 79,672.50 1 8.375 608.06 90 8.125 608.06 DRUMS PA 18222 1 08/29/01 11 508931 05 10/01/01 25 508931 O 09/01/31 0 6336940 286/286 F 130,000.00 ZZ 360 129,680.67 1 7.250 886.83 57 7.000 886.83 AUSTIN TX 78757 1 09/05/01 00 516484 05 11/01/01 0 516484 O 10/01/31 0 6336958 286/286 F 98,994.00 ZZ 360 98,783.02 1 7.750 709.21 80 7.500 709.21 OWENSBORO KY 42303 1 09/07/01 00 394839 05 11/01/01 0 394839 O 10/01/31 0 6336960 286/286 F 127,900.00 ZZ 360 127,627.41 1 7.750 916.30 80 7.500 916.30 BOWIE MD 20716 1 09/25/01 00 550214 05 11/01/01 0 1 550214 O 10/01/31 0 6336970 286/286 F 84,000.00 ZZ 360 83,811.78 1 7.500 587.35 75 7.250 587.35 CHANDLER AZ 85225 5 09/20/01 00 561686 03 11/01/01 0 561686 N 10/01/31 0 6336976 286/286 F 137,700.00 ZZ 360 137,434.75 1 8.250 1,034.50 90 8.000 1,034.50 ABERDEEN NJ 07747 1 09/26/01 11 508339 05 11/01/01 25 508339 O 10/01/31 0 6336978 286/286 F 140,000.00 ZZ 360 139,594.48 1 7.250 955.05 78 7.000 955.05 WAREHAM MA 02571 5 09/17/01 00 554946 05 11/01/01 0 554946 O 10/01/31 0 6336982 286/286 F 112,000.00 ZZ 360 111,761.29 1 7.750 802.39 80 7.500 802.39 RAVENNA OH 44266 1 09/14/01 00 535658 05 11/01/01 0 535658 O 10/01/31 0 6336990 286/286 F 66,000.00 ZZ 360 65,807.08 1 7.625 467.15 60 7.375 467.15 FOREST PARK IL 60130 1 08/27/01 00 521256 05 10/01/01 0 521256 O 09/01/31 0 1 6336998 286/286 F 107,200.00 ZZ 360 106,993.51 1 8.250 805.36 80 8.000 805.36 GRAIN VALLEY MO 64029 5 09/04/01 00 389538 05 11/01/01 0 389538 O 10/01/31 0 6337010 286/286 F 126,000.00 ZZ 360 124,807.31 4 7.500 881.02 90 7.250 881.02 YONKERS NY 10701 1 08/28/01 21 406051 05 10/01/01 25 406051 O 09/01/31 0 6337018 286/286 F 101,750.00 ZZ 360 101,501.17 1 7.875 737.76 80 7.625 737.76 CRESWELL OR 97426 1 09/13/01 00 554397 05 11/01/01 0 554397 O 10/01/31 0 6337052 286/286 F 76,000.00 T 360 75,793.94 1 8.000 557.67 80 7.750 557.67 DETROIT MI 48215 2 08/31/01 00 322794 05 10/01/01 0 322794 O 09/01/31 0 6337078 286/286 F 148,000.00 ZZ 360 147,668.41 2 7.500 1,034.84 80 7.250 1,034.84 NORTH BRUNSWICK NJ 08902 1 09/19/01 00 179555 05 11/01/01 0 179555 O 10/01/31 0 6337082 286/286 F 88,000.00 ZZ 360 87,830.48 3 8.250 661.12 88 8.000 661.12 1 WOONSOCKET RI 02895 5 08/31/01 12 551303 05 11/01/01 25 551303 O 10/01/31 0 6337088 286/286 F 180,000.00 ZZ 360 179,625.92 2 7.875 1,305.13 60 7.625 1,305.13 BRONX NY 10465 5 09/21/01 00 550565 05 11/01/01 0 550565 O 10/01/31 0 6337090 286/286 F 65,000.00 ZZ 360 64,092.32 1 7.625 460.07 57 7.375 460.07 PROVIDENCE RI 02909 2 08/31/01 00 460275 05 11/01/01 0 460275 O 10/01/31 0 6337098 286/286 F 139,000.00 ZZ 360 138,696.25 1 7.625 983.84 60 7.375 983.84 THORNTON CO 80241 5 09/24/01 00 322755 03 11/01/01 0 322755 O 10/01/31 0 6337106 286/286 F 125,000.00 ZZ 360 124,643.65 1 7.750 895.52 75 7.500 895.52 AURORA CO 80017 5 08/28/01 00 551134 05 10/01/01 0 551134 O 09/01/31 0 6337110 286/286 F 138,800.00 T 360 138,353.61 1 7.750 994.39 80 7.500 994.39 MENTOR OH 44060 1 08/22/01 00 497455 01 10/01/01 0 497455 O 09/01/31 0 1 6337124 286/286 F 108,400.00 ZZ 360 108,168.96 1 7.750 776.60 80 7.500 776.60 NORMAL IL 61761 1 09/17/01 00 447052 03 11/01/01 0 447052 O 10/01/31 0 6337128 286/286 F 108,800.00 ZZ 360 108,106.10 1 7.375 751.46 80 7.125 751.46 SCOTTSDALE AZ 85253 2 08/27/01 00 533002 05 10/01/01 0 533002 O 09/01/31 0 6337132 286/286 F 136,000.00 ZZ 360 135,478.53 1 7.375 939.32 80 7.125 939.32 ST LOUIS MO 63123 5 09/20/01 00 574563 05 11/01/01 0 574563 O 10/01/31 0 6337134 286/286 F 68,000.00 ZZ 360 67,820.26 2 8.125 504.90 80 7.875 504.90 DADE CITY FL 33523 2 08/30/01 00 547101 05 10/01/01 0 547101 O 09/01/31 0 6337138 286/286 F 54,000.00 ZZ 360 53,887.78 1 7.875 391.54 75 7.625 391.54 ARIZONA CITY AZ 85223 5 09/25/01 00 561904 05 11/01/01 0 561904 N 10/01/31 0 6337154 286/286 F 105,600.00 ZZ 360 105,306.40 1 1 7.875 765.68 80 7.625 765.68 AUSTIN TX 78729 1 08/28/01 00 554637 05 10/01/01 0 554637 O 09/01/31 0 6337168 286/286 F 160,000.00 ZZ 360 159,659.02 1 7.750 1,146.26 77 7.500 1,146.26 LYNCHBURG OH 45142 5 09/24/01 00 535273 05 11/01/01 0 535273 O 10/01/31 0 6337170 286/286 F 38,250.00 ZZ 360 38,016.74 1 7.875 277.34 75 7.625 277.34 BATTLE CREEK MI 49017 5 08/30/01 00 519186 05 10/01/01 0 519186 N 09/01/31 0 6337172 286/286 F 98,160.00 ZZ 360 97,861.88 1 7.500 686.35 80 7.250 686.35 STAUNTON VA 24401 1 08/30/01 00 101872 05 10/01/01 0 101872 O 09/01/31 0 6337178 286/286 F 80,000.00 ZZ 360 79,802.10 1 7.000 532.25 77 6.750 532.25 PITTSBURG MO 65724 2 09/24/01 00 271886 05 11/01/01 0 271886 O 10/01/31 0 6337184 286/286 F 47,000.00 ZZ 360 46,800.96 1 8.000 344.87 63 7.750 344.87 SOUTH BEND IN 46617 5 09/25/01 00 541642 05 11/01/01 0 1 541642 N 10/01/31 0 6337194 286/286 F 137,340.00 ZZ 360 137,082.09 1 8.375 1,043.89 90 8.125 1,043.89 KANSAS CITY MO 64109 1 09/19/01 11 564494 05 11/01/01 25 564494 O 10/01/31 0 6337196 286/286 F 119,000.00 ZZ 360 118,634.42 1 7.375 821.91 80 7.125 821.91 CHANDLER AZ 85225 1 08/16/01 00 516826 05 10/01/01 0 516826 O 09/01/31 0 6337204 286/286 F 102,000.00 ZZ 360 101,758.83 1 7.250 695.82 85 7.000 695.82 CHARLOTTE NC 28269 1 09/21/01 12 566351 05 11/01/01 12 566351 O 10/01/31 0 6337206 286/286 F 130,500.00 ZZ 360 129,742.77 1 6.750 846.43 89 6.500 846.43 BLUE SPRINGS MO 64014 5 08/31/01 11 547578 05 11/01/01 25 547578 O 10/01/31 0 6337208 286/286 F 118,500.00 ZZ 360 118,206.87 1 7.000 788.39 78 6.750 788.39 WALDORF MD 20602 5 09/26/01 00 580776 05 11/01/01 0 580776 O 10/01/31 0 1 6337214 286/286 F 104,000.00 ZZ 360 103,769.62 1 7.750 745.07 80 7.500 745.07 MILAN OH 44846 1 09/21/01 00 553358 05 11/01/01 0 553358 O 10/01/31 0 6337266 286/286 F 124,320.00 ZZ 360 124,041.48 1 7.500 869.26 80 7.250 869.26 PORT ORCHARD WA 98366 1 09/04/01 00 9937892 03 11/01/01 0 9937892 O 10/01/31 0 6337286 286/286 F 66,600.00 ZZ 360 66,246.91 1 7.875 482.90 90 7.625 482.90 LIVINGSTON MT 59047 1 08/09/01 11 9877178 05 10/01/01 25 9877178 O 09/01/31 0 6337300 286/286 F 140,000.00 ZZ 360 139,559.15 1 7.250 955.05 79 7.000 955.05 WILLITS CA 95490 5 08/30/01 00 9882487 05 10/01/01 0 9882487 O 09/01/31 0 6337302 286/286 F 85,400.00 ZZ 360 85,179.92 1 8.250 641.58 90 8.000 641.58 WILSONVILLE OR 97070 1 08/22/01 11 9885461 01 10/01/01 25 9885461 O 09/01/31 0 6337304 286/286 F 112,000.00 ZZ 360 111,664.39 1 7.500 783.12 80 7.250 783.12 1 TEMPE AZ 85283 5 08/25/01 00 9891482 05 10/01/01 0 9891482 O 09/01/31 0 6337308 286/286 F 60,000.00 ZZ 360 59,872.13 1 7.750 429.85 55 7.500 429.85 CAMAS WA 98607 5 09/10/01 00 9894845 05 11/01/01 0 9894845 N 10/01/31 0 6337330 286/286 F 162,750.00 ZZ 360 162,138.49 1 7.500 1,137.97 75 7.250 1,137.97 MARYSVILLE WA 98271 5 07/02/01 00 9862182 05 09/01/01 0 9862182 O 08/01/31 0 6337340 286/286 F 61,500.00 ZZ 360 61,384.53 1 8.375 467.44 75 8.125 467.44 LITHONIA GA 30058 5 09/05/01 00 9892430 05 11/01/01 0 9892430 N 10/01/31 0 6337360 286/286 F 128,800.00 ZZ 360 128,414.04 1 7.500 900.59 80 7.250 900.59 CEDAR RAPIDS IA 52411 1 08/30/01 00 9882070 05 10/01/01 0 9882070 O 09/01/31 0 6337380 286/286 F 164,000.00 ZZ 360 163,456.27 1 7.750 1,174.92 79 7.500 1,174.92 MAPLE VALLEY WA 98038 5 08/29/01 00 9887394 05 10/01/01 0 9887394 O 09/01/31 0 1 6337392 286/286 F 42,750.00 ZZ 360 42,654.24 2 7.500 298.91 95 7.250 298.91 INDIANAPOLIS IN 46208 1 09/21/01 10 9892483 05 11/01/01 30 9892483 O 10/01/31 0 6337402 286/286 F 84,800.00 ZZ 360 84,640.78 1 8.375 644.54 80 8.125 644.54 DAYTONA BEACH FL 32118 5 09/10/01 00 9892989 05 11/01/01 0 9892989 O 10/01/31 0 6337408 286/286 F 166,000.00 ZZ 360 165,604.36 1 7.875 1,203.62 77 7.625 1,203.62 WESTMINSTER MD 21157 5 09/19/01 00 9885572 05 11/01/01 0 9885572 O 10/01/31 0 6337414 286/286 F 88,000.00 ZZ 360 87,743.12 1 8.750 692.30 80 8.500 692.30 SOAP LAKE WA 98851 5 07/09/01 00 9867639 05 09/01/01 0 9867639 O 08/01/31 0 6337420 286/286 F 137,600.00 ZZ 360 137,155.91 1 7.125 927.04 80 6.875 927.04 AUBURN WA 98092 5 08/22/01 00 9880046 05 10/01/01 0 9880046 O 09/01/31 0 6337428 286/286 F 108,000.00 ZZ 360 107,757.48 1 1 7.500 755.15 80 7.250 755.15 APACHE JUNCTION AZ 85220 5 09/10/01 00 9887718 03 11/01/01 0 9887718 O 10/01/31 0 6337430 286/286 F 109,600.00 ZZ 360 109,349.61 1 7.500 766.34 80 7.250 766.34 RAINIER WA 98576 5 09/12/01 00 9889554 05 11/01/01 0 9889554 O 10/01/31 0 6337708 286/286 F 113,000.00 ZZ 360 112,740.44 2 7.375 780.47 49 7.125 780.47 DENVER CO 80210 2 09/11/01 00 507881 05 11/01/01 0 507881 O 10/01/31 0 6337714 286/286 F 171,000.00 ZZ 360 170,644.64 1 7.875 1,239.87 48 7.625 1,239.87 KELLEYS ISLAND OH 43438 5 09/17/01 00 557834 05 11/01/01 0 557834 O 10/01/31 0 6337720 286/286 F 70,000.00 ZZ 360 69,800.42 1 7.750 501.49 36 7.500 501.49 BLUE RIDGE VA 24064 1 08/31/01 00 478494 05 10/01/01 0 478494 O 09/01/31 0 6337732 286/286 F 110,000.00 ZZ 360 109,764.09 1 7.875 797.58 20 7.625 797.58 MARBLEHEAD OH 43440 5 09/07/01 00 535502 05 11/01/01 0 1 535502 O 10/01/31 0 6337734 286/286 F 165,000.00 ZZ 360 164,517.75 2 7.625 1,167.86 60 7.375 1,167.86 WEST QUINCY MA 02169 2 08/27/01 00 515810 05 10/01/01 0 515810 O 09/01/31 0 6337738 286/286 F 121,700.00 ZZ 360 121,425.23 1 8.375 925.01 88 8.125 925.01 ELKHART LAKE WI 53020 2 09/14/01 12 559837 05 11/01/01 25 559837 O 10/01/31 0 6337740 286/286 F 101,000.00 ZZ 360 100,748.10 1 7.750 723.58 49 7.500 723.58 WILTON MANORS FL 33334 1 09/20/01 00 9895994 05 11/01/01 0 9895994 O 10/01/31 0 6343124 L16/G02 F 344,000.00 ZZ 360 343,718.03 1 7.000 2,288.64 73 6.750 2,288.64 LAS VEGAS NV 89130 5 11/16/01 00 0433434016 05 01/01/02 0 W0111058 O 12/01/31 0 6345066 E22/G02 F 99,750.00 ZZ 360 99,612.25 1 7.875 723.26 95 7.625 723.26 MARGATE FL 33063 5 10/30/01 01 0413103094 09 12/01/01 30 0413103094 O 11/01/31 0 1 6345120 E22/G02 F 33,250.00 ZZ 360 33,206.35 1 8.125 246.88 95 7.875 246.88 GADSDEN AL 35903 2 10/29/01 04 0413133372 05 12/01/01 30 0413133372 O 11/01/31 0 6345156 E22/G02 F 89,000.00 ZZ 360 88,860.72 1 7.250 607.14 50 7.000 607.14 FORT WORTH TX 76109 5 10/29/01 00 0413155888 05 12/01/01 0 0413155888 O 11/01/31 0 6345192 E22/G02 F 101,600.00 ZZ 360 101,512.52 1 6.750 658.98 80 6.500 658.98 ANNISTON AL 36207 5 10/31/01 00 0413169301 05 01/01/02 0 0413169301 O 12/01/31 0 6345278 E22/G02 F 72,000.00 ZZ 360 71,905.48 1 8.125 534.60 80 7.875 534.60 DETROIT MI 48223 5 10/31/01 00 0413207416 05 12/01/01 0 0413207416 O 11/01/31 0 6345292 E22/G02 F 100,000.00 ZZ 360 99,763.04 1 6.625 640.31 60 6.375 640.31 AUSTIN TX 78737 5 10/30/01 00 0413213778 05 12/01/01 0 0413213778 O 11/01/31 0 6345312 E22/G02 F 253,600.00 ZZ 360 253,240.87 3 7.750 1,816.82 80 7.500 1,816.82 1 PEABODY MA 01960 2 10/30/01 00 0413221920 05 12/01/01 0 0413221920 O 11/01/31 0 6347228 N74/G02 F 104,500.00 ZZ 360 104,422.45 1 7.500 730.68 95 7.250 730.68 SUMTER SC 29150 5 11/08/01 01 0433402609 05 01/01/02 25 0029505010 O 12/01/31 0 6347246 758/G02 F 320,000.00 ZZ 360 319,737.70 1 7.000 2,128.97 80 6.750 2,128.97 HOUSTON TX 77056 5 11/14/01 00 0433435955 03 01/01/02 0 1 O 12/01/31 0 6347418 K15/G02 F 90,500.00 ZZ 360 90,436.13 1 7.750 648.35 90 7.500 648.35 MAPLE HEIGHTS OH 44137 5 11/09/01 27 0433395597 05 01/01/02 25 0286304249 O 12/01/31 0 6349252 E23/G02 F 460,000.00 ZZ 360 459,641.16 1 7.250 3,138.01 80 7.000 3,138.01 SANTA ANA AREA CA 92705 5 11/12/01 00 0433429164 09 01/01/02 0 51009412 O 12/01/31 0 6352954 964/G02 F 396,000.00 ZZ 360 395,675.40 1 7.000 2,634.60 80 6.750 2,634.60 SACRAMENTO CA 95864 5 11/14/01 00 0433501202 05 01/01/02 0 162952 O 12/01/31 0 1 6353164 964/G02 F 344,000.00 ZZ 360 343,718.03 1 7.000 2,288.64 80 6.750 2,288.64 TORRANCE CA 90501 1 11/08/01 00 0433444304 05 01/01/02 0 156123 O 12/01/31 0 6354060 B57/G02 F 396,000.00 ZZ 360 395,650.62 1 6.625 2,535.63 80 6.375 2,535.63 WOODLAND HILLS CA 91367 5 11/08/01 00 0433429883 29 01/01/02 0 2118051 O 12/01/31 0 6354304 P34/G02 F 198,750.00 ZZ 240 198,379.90 1 7.250 1,570.88 75 7.000 1,570.88 WARWICK RI 02888 5 11/08/01 00 0433455730 05 01/01/02 0 414713 O 12/01/21 0 6358908 T61/G02 F 730,000.00 ZZ 360 728,913.07 1 7.500 5,104.27 41 7.250 5,104.27 POTOMAC MD 20854 1 10/05/01 00 0433495702 03 12/01/01 0 BLAIR O 11/01/31 0 6361734 N74/G02 F 99,750.00 ZZ 360 99,664.11 1 6.750 646.98 95 6.500 646.98 THOMASVILLE NC 27360 2 11/09/01 10 0433399078 05 01/01/02 30 0029509010 O 12/01/31 0 6363172 T44/G02 F 180,000.00 ZZ 360 179,863.03 1 1 7.375 1,243.22 79 7.125 1,243.22 GRASS VALLEY CA 95945 5 11/28/01 00 0433495066 05 01/01/02 0 1028216 O 12/01/31 0 6364972 964/G02 F 184,850.00 ZZ 360 184,694.71 1 6.875 1,214.33 90 6.625 1,214.33 LINCOLNE CA 95648 1 11/19/01 04 0433488996 05 01/01/02 25 126666 O 12/01/31 0 6365462 T44/G02 F 175,000.00 ZZ 360 174,870.12 1 7.500 1,223.63 84 7.250 1,223.63 DECATUR GA 30030 1 11/29/01 01 0433492063 03 01/01/02 12 1026046 O 12/01/31 0 6366492 Q06/G02 F 114,750.00 ZZ 360 114,646.26 1 6.500 725.30 79 6.250 725.30 NORTH PROVIDENC RI 02904 5 11/13/01 00 0433392503 05 01/01/02 0 1 O 12/01/31 0 6370118 L60/F27 F 105,000.00 ZZ 360 104,667.56 1 7.250 716.29 65 7.000 716.29 GILBERT SC 29054 2 09/21/01 00 6990425424 05 11/01/01 0 6990425424 O 10/01/31 0 6370126 L60/F27 F 116,000.00 ZZ 360 115,740.11 1 7.500 811.09 80 7.250 811.09 SALUDA NC 28773 1 09/20/01 00 6990422131 05 11/01/01 0 1 6990422131 O 10/01/31 0 6373600 B98/G02 F 384,000.00 ZZ 360 383,399.07 1 7.250 2,619.56 80 7.000 2,619.56 SAN JOSE CA 95136 5 10/25/01 00 0433425808 05 12/01/01 0 1 O 11/01/31 0 6376254 E22/G02 F 68,000.00 ZZ 360 67,882.57 1 6.750 441.05 77 6.500 441.05 BUCHANAN VA 24066 5 11/01/01 00 0413235227 05 12/01/01 0 0413235227 O 11/01/31 0 6376808 E82/G02 F 95,200.00 ZZ 360 95,123.87 1 7.125 641.38 80 6.875 641.38 BEND OR 97701 2 11/06/01 00 0400529244 05 01/01/02 0 1843675 N 12/01/31 0 6380692 K15/G02 F 64,800.00 ZZ 360 64,756.52 1 8.000 475.48 90 7.750 475.48 TOLLESON AZ 85353 5 11/10/01 27 0433394004 05 01/01/02 25 21705304059 O 12/01/31 0 6381498 R65/G02 F 297,500.00 T 360 297,250.07 1 6.875 1,954.36 70 6.625 1,954.36 DANA POINT CA 92629 5 11/14/01 00 0433428240 05 01/01/02 0 1901565223 O 12/01/31 0 1 6383550 E47/G02 F 376,000.00 ZZ 360 375,699.32 1 7.125 2,533.18 80 6.875 2,533.18 FREMONT CA 94555 5 11/13/01 00 0433541000 05 01/01/02 0 7333011714 O 12/01/31 0 6384812 U05/G02 F 85,050.00 ZZ 360 84,978.55 1 6.875 558.72 90 6.625 558.72 TAMARAC FL 33321 1 11/14/01 26 0433444502 01 01/01/02 25 3180385 O 12/01/31 0 6385844 455/G02 F 200,000.00 ZZ 360 199,847.81 1 7.375 1,381.36 80 7.125 1,381.36 LAWRENCEVILLE GA 30043 2 11/09/01 00 0433455201 05 01/01/02 0 09001623 O 12/01/31 0 6386304 644/G02 F 195,000.00 ZZ 360 194,851.62 1 7.375 1,346.82 62 7.125 1,346.82 OREGON CITY OR 97045 5 11/13/01 00 0433514429 05 01/01/02 0 48003897 O 12/01/31 0 6388868 N74/G02 F 152,000.00 ZZ 360 151,859.22 1 6.375 948.28 80 6.125 948.28 CHARLESTON SC 29414 5 11/21/01 00 0433433588 05 01/01/02 0 0029556010 O 12/01/31 0 6389336 588/G02 F 260,000.00 ZZ 360 259,797.17 1 7.250 1,773.66 80 7.000 1,773.66 1 MAPLEWOOD TOWNS NJ 07040 1 12/03/01 00 0433494143 05 01/01/02 0 1051772 O 12/01/31 0 6394046 738/G02 F 204,800.00 ZZ 360 204,610.31 1 6.375 1,277.69 80 6.125 1,277.69 EASLEY SC 29642 5 11/16/01 00 0433488855 09 01/01/02 0 40141198 O 12/01/31 0 6396518 069/G02 F 448,000.00 ZZ 360 447,614.28 1 6.750 2,905.72 61 6.500 2,905.72 LAGUNA BEACH CA 92651 2 11/09/01 00 0433486297 05 01/01/02 0 88231774 O 12/01/31 0 6398318 U05/G02 F 497,200.00 ZZ 360 496,849.08 1 7.750 3,562.00 79 7.500 3,562.00 GREEN OAKS IL 60048 1 11/15/01 00 0433431269 05 01/01/02 0 3178902 O 12/01/31 0 6401360 E82/G02 F 90,000.00 ZZ 360 89,928.03 1 7.125 606.35 85 6.875 606.35 MOBILE AL 36609 2 11/05/01 04 0400513404 05 01/01/02 12 0400513404 O 12/01/31 0 6404812 U05/G02 F 292,000.00 ZZ 360 291,748.59 1 6.750 1,893.91 80 6.500 1,893.91 CYPRESS TX 77429 5 11/21/01 00 0433477676 05 01/01/02 0 3183817 O 12/01/31 0 1 6408348 E22/G02 F 110,700.00 ZZ 360 110,513.47 1 6.875 727.22 90 6.625 727.22 ACWORTH GA 30102 5 11/02/01 10 0413112889 05 12/01/01 25 0413112889 O 11/01/31 0 6409368 588/G02 F 595,000.00 ZZ 360 594,500.12 1 6.875 3,908.73 70 6.625 3,908.73 SHORT HILLS NJ 07078 1 11/13/01 00 0433421815 05 01/01/02 0 1048505 O 12/01/31 0 6409442 X08/G02 F 205,000.00 ZZ 360 204,687.08 1 7.375 1,415.88 48 7.125 1,415.88 JACKSON WY 83001 2 10/24/01 00 0433499704 05 12/01/01 0 6002127 N 11/01/31 0 6415098 E47/G02 F 138,750.00 ZZ 360 138,624.57 1 6.500 876.99 68 6.250 876.99 ARVADA CO 80002 5 11/15/01 00 0433395373 05 01/01/02 0 7321011064 O 12/01/31 0 6419308 313/G02 F 225,000.00 ZZ 360 224,856.53 3 8.250 1,690.35 90 8.000 1,690.35 CHICAGO IL 60653 1 11/21/01 11 0433426616 05 01/01/02 25 0008494767 O 12/01/31 0 6421938 664/G02 F 206,250.00 ZZ 360 205,236.61 1 1 7.875 1,495.46 75 7.625 1,495.46 LAWRENCEVILLE GA 30043 5 05/24/01 00 0433329109 03 07/01/01 0 8093213 O 06/01/31 0 6421966 664/G02 F 210,930.00 ZZ 360 209,952.02 1 7.375 1,456.85 79 7.125 1,456.85 SUMERVILLE SC 29485 1 06/14/01 00 0433327822 03 08/01/01 0 0008145351 O 07/01/31 0 6422642 U05/G02 F 365,000.00 ZZ 360 364,742.39 1 7.750 2,614.90 77 7.500 2,614.90 SAN JOSE CA 95132 5 11/30/01 00 0433521168 05 01/01/02 0 3186219 O 12/01/31 0 6426202 E86/G02 F 212,000.00 ZZ 360 211,854.10 1 7.875 1,537.15 80 7.625 1,537.15 STRATFORD CT 06614 2 11/20/01 00 0433436755 05 01/01/02 0 1 O 12/01/31 0 6426702 964/G02 F 316,000.00 ZZ 360 315,734.52 1 6.875 2,075.90 78 6.625 2,075.90 GROVER BEACH CA 93433 2 11/27/01 00 0433495728 03 01/01/02 0 156039 O 12/01/31 0 6427756 U05/G02 F 164,400.00 ZZ 360 164,271.75 1 7.250 1,121.50 80 7.000 1,121.50 DALLAS TX 75238 5 11/16/01 00 0433430808 05 01/01/02 0 1 3182275 O 12/01/31 0 6428184 624/G02 F 164,500.00 ZZ 360 164,374.83 1 7.375 1,136.16 85 7.125 1,136.16 SANTA MARIA CA 93454 1 11/13/01 11 0433439478 05 01/01/02 30 72000510563F O 12/01/31 0 6430238 477/G02 F 50,000.00 ZZ 360 49,964.71 1 7.750 358.21 80 7.500 358.21 ENGLEWOOD CO 80110 1 11/16/01 00 0433513561 01 01/01/02 0 131682 N 12/01/31 0 6433170 E22/G02 F 351,550.00 ZZ 360 351,239.84 1 6.625 2,251.01 79 6.375 2,251.01 LA MESA CA 91941 2 11/02/01 00 0413166729 05 01/01/02 0 0413166729 O 12/01/31 0 6433238 E22/G02 F 44,000.00 ZZ 360 43,970.47 1 8.000 322.86 78 7.750 322.86 LAWTON OK 73507 5 11/08/01 00 0413223702 05 01/01/02 0 0413223702 N 12/01/31 0 6433248 E22/G02 F 99,200.00 ZZ 360 99,116.66 1 6.875 651.67 80 6.625 651.67 ALABASTER AL 35007 1 10/08/01 00 0413229782 05 01/01/02 0 0413229782 O 12/01/31 0 1 6434334 B57/G02 F 211,500.00 ZZ 360 211,185.09 4 7.500 1,478.84 90 7.250 1,478.84 LOS ANGELES CA 91606 1 10/03/01 04 0433432838 05 12/01/01 25 2116277 O 11/01/31 0 6435710 F60/G02 F 53,100.00 ZZ 360 53,062.53 1 7.750 380.41 69 7.500 380.41 NEW ORLEANS LA 70119 5 11/16/01 00 0433454725 05 01/01/02 0 446692 N 12/01/31 0 6436702 N74/G02 F 134,000.00 ZZ 360 133,905.43 1 7.750 959.99 93 7.500 959.99 KERNERSVILLE NC 27284 2 11/14/01 10 0433398930 05 01/01/02 30 0029521010 O 12/01/31 0 6437514 B28/G02 F 112,500.00 ZZ 360 112,310.42 1 6.875 739.05 90 6.625 739.05 BOULDER CO 80301 2 10/26/01 01 0433395381 01 12/01/01 30 02900039 O 11/01/31 0 6440746 964/G02 F 410,000.00 ZZ 360 409,647.00 1 6.750 2,659.25 80 6.500 2,659.25 YORBA LINDA CA 92886 1 11/14/01 00 0433476140 05 01/01/02 0 164175 O 12/01/31 0 6443578 742/G02 F 440,000.00 ZZ 360 439,621.17 1 6.750 2,853.83 59 6.500 2,853.83 1 AVON CT 06001 5 11/27/01 00 0433447356 05 01/01/02 0 8628646 O 12/01/31 0 6446280 944/G02 F 478,000.00 ZZ 360 477,546.45 1 6.250 2,943.13 66 6.000 2,943.13 SEAL BEACH CA 90740 5 11/15/01 00 0433477270 05 01/01/02 0 W01090730 O 12/01/31 0 6447960 N47/G02 F 316,000.00 ZZ 360 315,734.52 1 6.875 2,075.90 73 6.625 2,075.90 SONORA CA 95370 5 11/13/01 00 0433424736 05 01/01/02 0 20212036 O 12/01/31 0 6455596 700/G02 F 275,000.00 ZZ 360 274,785.48 1 7.250 1,875.98 89 7.000 1,875.98 ORANGE CA 92868 1 11/15/01 01 0433435609 05 01/01/02 25 00263313 O 12/01/31 0 6458384 758/G02 F 581,250.00 ZZ 360 580,761.68 1 6.875 3,818.40 75 6.625 3,818.40 DALLAS TX 75229 5 11/14/01 00 0433434297 05 01/01/02 0 400955 O 12/01/31 0 6460764 E22/G02 F 80,000.00 ZZ 360 79,833.73 1 7.875 580.06 59 7.625 580.06 MADISON HEIGHTS MI 48071 5 09/24/01 00 0413069899 05 11/01/01 0 0413069899 O 10/01/31 0 1 6460786 E22/G02 F 112,000.00 ZZ 360 111,893.73 1 6.250 689.60 48 6.000 689.60 AUSTIN TX 78756 5 11/05/01 00 0413108085 05 01/01/02 0 0413108085 O 12/01/31 0 6460802 E22/G02 F 80,000.00 ZZ 360 79,940.63 1 7.500 559.37 89 7.250 559.37 FORT WAYNE IN 46807 5 11/05/01 04 0413141797 05 01/01/02 25 0413141797 O 12/01/31 0 6460826 E22/G02 F 83,000.00 ZZ 360 82,838.40 1 7.500 580.35 68 7.250 580.35 LOUISVILLE KY 40258 1 11/09/01 00 0413163569 05 01/01/02 0 0413163569 O 12/01/31 0 6460940 E22/G02 F 83,700.00 ZZ 360 83,645.25 1 8.125 621.47 90 7.875 621.47 BAY CITY MI 48708 5 11/06/01 04 0413215500 05 01/01/02 25 0413215500 O 12/01/31 0 6461922 E82/G02 F 105,350.00 ZZ 360 105,261.50 1 6.875 692.07 78 6.625 692.07 GRESHAM OR 97030 2 11/12/01 00 0400534350 05 01/01/02 0 1565342 N 12/01/31 0 6461934 E82/G02 F 197,700.00 ZZ 360 197,525.58 1 1 6.625 1,265.89 77 6.375 1,265.89 UPPER MARLBORO MD 20772 2 11/06/01 00 0400531026 03 01/01/02 0 0400531026 O 12/01/31 0 6461958 E82/G02 F 105,600.00 ZZ 360 105,509.08 1 6.750 684.92 80 6.500 684.92 GREELEY CO 80631 2 11/06/01 00 0400512331 05 01/01/02 0 1671865 O 12/01/31 0 6461960 E82/G02 F 91,034.00 ZZ 360 90,955.63 1 6.750 590.44 80 6.500 590.44 SAN BERNARDINO CA 92404 2 11/06/01 00 0400524534 05 01/01/02 0 0400524534 O 12/01/31 0 6466468 737/G02 F 237,500.00 ZZ 360 237,336.55 3 7.875 1,722.04 95 7.625 1,722.04 CHICAGO IL 60649 1 11/27/01 01 0433487741 05 01/01/02 30 2044739 O 12/01/31 0 6468610 U62/G02 F 115,000.00 ZZ 360 114,820.04 1 7.250 784.50 80 7.000 784.50 HUMBLE TX 77346 5 10/18/01 00 0433406857 05 12/01/01 0 2001289079 O 11/01/31 0 6471250 E11/G02 F 159,900.00 ZZ 360 159,768.93 1 7.000 1,063.82 80 6.750 1,063.82 BLAINE MN 55449 1 11/29/01 00 0433471307 05 01/01/02 0 1 1 O 12/01/31 0 6471694 K89/G02 F 157,500.00 ZZ 360 157,396.97 2 8.125 1,169.44 90 7.875 1,169.44 MIAMI FL 33142 1 11/14/01 10 0433447133 05 01/01/02 25 200111053 N 12/01/31 0 6471994 964/G02 F 375,200.00 ZZ 360 374,892.46 1 7.000 2,496.21 80 6.750 2,496.21 YORBA LINDA CA 92887 5 11/01/01 00 0433427697 05 01/01/02 0 156722 O 12/01/31 0 6473112 742/G02 F 170,000.00 ZZ 360 169,870.64 1 7.375 1,174.15 60 7.125 1,174.15 CHESTNUT RIDGE NY 10977 5 11/21/01 00 0433507084 05 01/01/02 0 8588253 O 12/01/31 0 6474872 664/G02 F 393,350.00 ZZ 360 391,698.84 1 7.875 2,852.07 80 7.625 2,852.07 GILBERT AZ 85296 1 06/01/01 00 0433334257 03 08/01/01 0 0008141160 N 07/01/31 0 6476184 664/G02 F 223,900.00 ZZ 360 223,434.66 1 7.875 1,623.44 80 7.625 1,623.44 QUINCY MA 02171 1 09/13/01 00 0433334166 05 11/01/01 0 0008341091 O 10/01/31 0 1 6476954 B60/G02 F 290,000.00 ZZ 360 289,773.77 1 7.250 1,978.31 83 7.000 1,978.31 ATLANTA GA 30360 2 11/16/01 01 0433427044 05 01/01/02 12 366947 O 12/01/31 0 6485072 U05/G02 F 330,000.00 ZZ 360 329,742.57 1 7.250 2,251.18 66 7.000 2,251.18 REDWOOD CITY CA 94063 5 11/27/01 00 0433484664 05 01/01/02 0 3189026 O 12/01/31 0 6485622 964/G02 F 340,000.00 ZZ 360 339,714.36 1 6.875 2,233.56 80 6.625 2,233.56 SUMNER WA 98390 2 11/29/01 00 0433490950 05 01/01/02 0 167845 O 12/01/31 0 6485910 964/G02 F 121,500.00 ZZ 360 121,400.41 1 7.000 808.34 80 6.750 808.34 LAS VEGAS NV 89123 1 11/15/01 00 0433466034 03 01/01/02 0 164120 N 12/01/31 0 6486614 P44/G02 F 409,000.00 ZZ 360 408,680.94 1 7.250 2,790.10 64 7.000 2,790.10 BONITA SPRINGS FL 34135 2 11/15/01 00 0433425220 03 01/01/02 0 001828 O 12/01/31 0 6489940 964/G02 F 62,400.00 ZZ 360 62,344.95 1 6.625 399.55 78 6.375 399.55 1 ROSALIA WA 99170 5 11/20/01 00 0433408564 05 01/01/02 0 162767 O 12/01/31 0 6490892 E11/G02 F 170,900.00 ZZ 360 170,759.92 1 7.000 1,137.00 90 6.750 1,137.00 MINNEAPOLIS MN 55419 1 11/20/01 04 0433413747 05 01/01/02 25 002001037580 O 12/01/31 0 6498482 U05/G02 F 344,000.00 ZZ 360 343,718.03 1 7.000 2,288.64 80 6.750 2,288.64 CASTRO VALLEY CA 94546 1 11/21/01 00 0433457074 05 01/01/02 0 3188318 O 12/01/31 0 6499740 U05/G02 F 133,000.00 ZZ 360 132,890.98 1 7.000 884.85 78 6.750 884.85 CORONA CA 92881 5 11/26/01 00 0433544574 05 01/01/02 0 3187812 O 12/01/31 0 6499798 738/G02 F 44,800.00 ZZ 360 44,767.57 1 7.625 317.10 80 7.375 317.10 PICKENS SC 29671 1 11/19/01 00 0433452737 05 01/01/02 0 40176066 N 12/01/31 0 6502808 822/G02 F 119,900.00 ZZ 360 119,801.72 2 7.000 797.70 86 6.750 797.70 FALL RIVER MA 02740 1 11/19/01 04 0433515061 05 01/01/02 25 3806039135 N 12/01/31 0 1 6504986 G52/G02 F 84,000.00 ZZ 360 83,942.19 1 7.875 609.06 80 7.625 609.06 TUCSON AZ 85748 1 11/01/01 00 0433493798 05 01/01/02 0 0700001141 N 12/01/31 0 6506098 N47/G02 F 209,000.00 ZZ 360 208,815.60 1 6.625 1,338.25 60 6.375 1,338.25 SAN CLEMENTE CA 92672 5 11/21/01 00 0433470705 01 01/01/02 0 30311674 O 12/01/31 0 6506436 944/G02 F 422,000.00 ZZ 360 421,702.16 1 7.750 3,023.26 79 7.500 3,023.26 SNOHOMISH WA 98296 2 11/26/01 00 0433478732 05 01/01/02 0 W01093399 O 12/01/31 0 6507934 964/G02 F 137,700.00 ZZ 360 137,592.58 1 7.250 939.36 90 7.000 939.36 PHOENIX AZ 85016 1 11/20/01 01 0433416245 03 01/01/02 25 171196 O 12/01/31 0 6508978 E23/G02 F 236,000.00 ZZ 360 236,000.00 3 7.750 1,690.73 80 7.500 1,690.73 LOS ANGELES CA 90731 2 12/07/01 00 0433502788 05 02/01/02 0 51007080 N 01/01/32 0 6510004 U96/G02 F 205,000.00 T 360 204,687.08 1 1 7.375 1,415.88 76 7.125 1,415.88 KAUNAKAKAI HI 96748 2 10/24/01 00 0433414828 05 12/01/01 0 11000026 O 11/01/31 0 6510540 K31/G02 F 430,500.00 ZZ 360 430,138.33 1 6.875 2,828.08 68 6.625 2,828.08 DULUTH GA 30097 2 11/29/01 00 0433500055 03 01/01/02 0 752701 O 12/01/31 0 6513908 E22/G02 F 144,000.00 ZZ 360 143,900.90 1 7.875 1,044.10 80 7.625 1,044.10 BOISE ID 83706 1 11/05/01 00 0413008210 01 01/01/02 0 0413008210 N 12/01/31 0 6513966 E22/G02 F 100,000.00 ZZ 360 99,923.90 1 7.375 690.68 67 7.125 690.68 DAMON TX 77430 5 11/07/01 00 0413123357 05 01/01/02 0 0413123357 O 12/01/31 0 6513982 E22/G02 F 100,000.00 ZZ 360 99,921.99 1 7.250 682.18 77 7.000 682.18 HOUSTON TX 77009 5 11/07/01 00 0413133323 05 01/01/02 0 0413133323 O 12/01/31 0 6514034 E22/G02 F 87,500.00 ZZ 360 87,435.07 1 7.500 611.81 80 7.250 611.81 FENTON MI 48430 1 11/13/01 00 0413176561 01 01/01/02 0 1 0413176561 O 12/01/31 0 6514054 E22/G02 F 80,000.00 ZZ 360 79,948.99 1 8.250 601.01 77 8.000 601.01 WYANDOTTE MI 48192 5 11/13/01 00 0413181660 05 01/01/02 0 0413181660 N 12/01/31 0 6515174 E82/G02 F 235,000.00 ZZ 360 234,816.68 1 7.250 1,603.11 78 7.000 1,603.11 ELK RIVER MN 55330 5 11/08/01 00 0400522546 05 01/01/02 0 0400522546 O 12/01/31 0 6515260 E82/G02 F 172,000.00 ZZ 360 171,855.50 1 6.875 1,129.92 62 6.625 1,129.92 WEST NYACK NY 10994 2 11/09/01 00 0400520599 05 01/01/02 0 0400520599 O 12/01/31 0 6516238 964/G02 F 320,350.00 ZZ 360 320,093.82 1 7.125 2,158.26 90 6.875 2,158.26 FOLSOM CA 95630 5 11/21/01 04 0433484086 05 01/01/02 25 167077 O 12/01/31 0 6521686 964/G02 F 328,000.00 ZZ 360 327,744.13 1 7.250 2,237.54 80 7.000 2,237.54 ATASCADERO CA 93422 5 11/26/01 00 0433483930 05 01/01/02 0 158464 O 12/01/31 0 1 6523704 N74/G02 F 220,000.00 ZZ 360 220,000.00 1 6.625 1,408.68 80 6.375 1,408.68 TULSA OK 74133 5 11/28/01 00 0433433364 05 02/01/02 0 0029584010 O 01/01/32 0 6523940 737/G02 F 85,000.00 ZZ 360 84,930.33 4 7.000 565.50 59 6.750 565.50 AUSTIN TX 78723 5 11/20/01 00 0433487733 05 01/01/02 0 2037721 N 12/01/31 0 6524290 N74/G02 F 118,000.00 ZZ 360 117,893.33 1 6.500 745.84 85 6.250 745.84 WAYNESBORO VA 22980 5 11/16/01 10 0433409596 05 01/01/02 12 0029539010 O 12/01/31 0 6524880 H19/G02 F 304,000.00 ZZ 360 303,750.81 1 7.000 2,022.52 95 6.750 2,022.52 ROSEVILLE MN 55113 1 11/30/01 10 0433449469 05 01/01/02 30 0010080497 O 12/01/31 0 6526716 N74/G02 F 74,000.00 ZZ 360 73,933.10 1 6.500 467.73 80 6.250 467.73 LEXINGTON NC 27292 5 11/16/01 00 0433419124 05 01/01/02 0 0029540010 O 12/01/31 0 6526964 U28/G02 F 116,000.00 ZZ 360 115,911.74 1 7.375 801.18 80 7.125 801.18 1 MOUNT PLEASANT SC 29464 2 11/08/01 00 0433409349 05 01/01/02 0 1 O 12/01/31 0 6528574 K81/G02 F 100,000.00 ZZ 360 99,921.99 1 7.250 682.18 80 7.000 682.18 CHICAGO IL 60634 1 11/14/01 00 0433447117 05 01/01/02 0 7504086 N 12/01/31 0 6529424 K15/G02 F 95,000.00 ZZ 360 94,929.50 1 7.500 664.25 63 7.250 664.25 SAINT PAUL MN 55104 5 11/20/01 00 0433411006 05 01/01/02 0 013205305370 O 12/01/31 0 6532220 F89/G02 F 275,000.00 ZZ 360 274,768.97 1 6.875 1,806.55 62 6.625 1,806.55 LOS ANGELES CA 90046 5 11/19/01 00 0433435922 05 01/01/02 0 11615010 O 12/01/31 0 6533584 E11/G02 F 182,000.00 ZZ 360 181,847.10 1 6.875 1,195.61 70 6.625 1,195.61 PLYMOUTH MN 55446 5 11/20/01 00 0433466190 05 01/01/02 0 0002001038355 O 12/01/31 0 6535706 E47/G02 F 235,000.00 ZZ 360 234,816.68 1 7.250 1,603.11 53 7.000 1,603.11 SANTA CRUZ CA 95062 5 11/27/01 00 0433471141 05 01/01/02 0 7331013651 O 12/01/31 0 1 6537010 964/G02 F 178,500.00 ZZ 360 178,374.01 3 7.750 1,278.80 82 7.500 1,278.80 PORTLAND OR 97214 2 11/26/01 04 0433422482 05 01/01/02 12 158770 N 12/01/31 0 6542010 E82/G02 F 175,200.00 ZZ 360 175,063.33 4 7.250 1,195.17 56 7.000 1,195.17 BURLINGTON VT 05401 2 11/16/01 00 0400526919 05 01/01/02 0 0400526919 N 12/01/31 0 6544466 E22/G02 F 162,000.00 ZZ 360 161,867.21 1 7.000 1,077.79 90 6.750 1,077.79 ESSEX VT 05452 5 11/08/01 04 0413151796 05 01/01/02 25 0413151796 O 12/01/31 0 6544490 E22/G02 F 69,750.00 ZZ 360 69,700.77 1 7.750 499.70 67 7.500 499.70 NEESES SC 29107 2 11/08/01 00 0413171463 05 01/01/02 0 0413171463 O 12/01/31 0 6544516 E22/G02 F 80,000.00 ZZ 360 79,877.88 1 7.375 552.54 80 7.125 552.54 ALLEN TX 75002 5 11/08/01 00 0413194168 05 12/01/01 0 0413194168 O 11/01/31 0 6544544 E22/G02 F 76,000.00 ZZ 360 75,943.83 1 1 7.625 537.92 93 7.375 537.92 WICHITA KS 67204 5 11/05/01 01 0413213927 05 01/01/02 30 0413213927 O 12/01/31 0 6544562 E22/G02 F 41,600.00 ZZ 360 41,572.08 1 8.000 305.25 80 7.750 305.25 LAWTON OK 73505 5 11/09/01 00 0413224247 05 01/01/02 0 0413224247 N 12/01/31 0 6544570 E22/G02 F 76,000.00 ZZ 360 75,942.17 1 7.375 524.91 95 7.125 524.91 BERNE IN 46711 5 11/06/01 10 0413227398 05 01/01/02 30 0413227398 O 12/01/31 0 6544588 E22/G02 F 62,700.00 ZZ 360 62,657.93 1 8.000 460.07 95 7.750 460.07 GALAX VA 24333 5 11/08/01 01 0413233644 05 01/01/02 30 0413233644 O 12/01/31 0 6544604 E22/G02 F 100,000.00 ZZ 360 99,913.90 1 6.750 648.60 23 6.500 648.60 MIDDLETOWN NJ 07701 5 11/08/01 00 0413239062 05 01/01/02 0 0413239062 O 12/01/31 0 6544660 E22/G02 F 125,000.00 ZZ 360 124,897.54 1 7.000 831.63 68 6.750 831.63 LAND O LAKES FL 34639 5 11/08/01 00 0413276437 03 01/01/02 0 1 0413276437 O 12/01/31 0 6545980 664/G02 F 61,750.00 ZZ 360 61,658.05 1 7.500 431.77 95 7.250 431.77 MILLTOWN IN 47145 5 10/25/01 11 0433389582 05 12/01/01 30 0008380875 O 11/01/31 0 6554868 S43/G02 F 216,000.00 ZZ 360 216,000.00 1 7.125 1,455.23 79 6.875 1,455.23 ALBUQUERQUE NM 87107 2 11/28/01 00 0433415858 05 02/01/02 0 011734 O 01/01/32 0 6555018 S43/G02 F 120,000.00 ZZ 360 120,000.00 1 6.875 788.31 79 6.625 788.31 SANTA FE NM 87507 5 12/03/01 00 0433440070 05 02/01/02 0 011703 O 01/01/32 0 6557006 964/G02 F 188,000.00 ZZ 360 187,849.66 1 7.125 1,266.59 80 6.875 1,266.59 SCOTTSDALE AZ 85260 1 11/28/01 00 0433486305 05 01/01/02 0 168796 O 12/01/31 0 6557368 N74/G02 F 72,250.00 ZZ 360 72,250.00 1 7.875 523.86 85 7.625 523.86 CHARLESTON SC 29418 5 11/27/01 10 0433423506 01 02/01/02 12 658 O 01/01/32 0 1 6557430 N74/G02 F 69,000.00 ZZ 360 68,942.03 1 6.875 453.28 79 6.625 453.28 MCGEHEE AR 71654 5 11/20/01 00 0433410214 05 01/01/02 0 0029547010 O 12/01/31 0 6557564 H93/G02 F 66,400.00 ZZ 360 66,350.72 1 7.500 464.28 80 7.250 464.28 ST JOSEPH MO 64507 2 11/08/01 00 0433543030 05 01/01/02 0 2001001589 N 12/01/31 0 6562742 Q99/G02 F 114,000.00 T 360 113,923.51 1 8.000 836.49 75 7.750 836.49 EAST WAREHAM MA 02538 5 11/26/01 00 0433435385 05 01/01/02 0 6545337 O 12/01/31 0 6565204 E22/G02 F 152,000.00 ZZ 360 151,878.45 1 7.125 1,024.05 80 6.875 1,024.05 AUSTIN TX 78737 5 11/09/01 00 0413156845 05 01/01/02 0 0413156845 O 12/01/31 0 6565208 E22/G02 F 72,000.00 ZZ 360 71,947.89 1 7.625 509.61 80 7.375 509.61 CONROE TX 77385 5 11/09/01 00 0413159997 05 01/01/02 0 0413159997 O 12/01/31 0 6565224 E22/G02 F 71,500.00 ZZ 360 71,446.94 1 7.500 499.94 59 7.250 499.94 1 GRAND BLANC MI 48439 1 11/15/01 00 0413178146 01 01/01/02 0 0413178146 O 12/01/31 0 6565238 E22/G02 F 88,000.00 ZZ 360 87,929.63 1 7.125 592.87 80 6.875 592.87 DALLAS TX 75209 5 11/09/01 00 0413180845 01 01/01/02 0 0413180845 O 12/01/31 0 6565292 E22/G02 F 138,000.00 ZZ 360 137,884.07 1 6.875 906.56 79 6.625 906.56 HENDERSONVILLE NC 28739 1 11/15/01 00 0413218330 09 01/01/02 0 0413218330 O 12/01/31 0 6565310 E22/G02 F 256,000.00 ZZ 360 255,790.16 1 7.000 1,703.17 80 6.750 1,703.17 SAN ANTONIO TX 78248 5 11/09/01 00 0413227810 03 01/01/02 0 0413227810 O 12/01/31 0 6565354 E22/G02 F 99,750.00 ZZ 360 99,672.19 1 7.250 680.47 95 7.000 680.47 SABULA IA 52070 5 11/09/01 04 0413247875 05 01/01/02 30 0413247875 O 12/01/31 0 6565372 E22/G02 F 128,000.00 ZZ 360 127,895.08 1 7.000 851.59 80 6.750 851.59 DALLAS TX 75234 5 11/09/01 00 0413253709 05 01/01/02 0 0413253709 O 12/01/31 0 1 6565974 E82/G02 F 164,000.00 ZZ 360 163,858.80 1 6.750 1,063.70 82 6.500 1,063.70 ARLINGTON VA 22202 2 11/13/01 04 0400528139 05 01/01/02 12 0400528139 O 12/01/31 0 6565976 E82/G02 F 67,000.00 ZZ 360 66,947.73 1 7.250 457.06 75 7.000 457.06 CONYERS GA 30094 2 11/19/01 00 0400528253 05 01/01/02 0 0400528253 N 12/01/31 0 6565998 U53/G02 F 136,500.00 ZZ 360 136,401.20 1 7.625 966.14 65 7.375 966.14 CHICHESTER NH 03234 5 11/13/01 00 0400515763 05 01/01/02 0 0400515763 O 12/01/31 0 6567042 P01/G02 F 48,672.00 ZZ 360 48,643.26 2 8.625 378.57 90 8.375 378.57 NEW BRITIAN CT 06051 1 11/28/01 04 0433509569 05 01/01/02 25 01006546 N 12/01/31 0 6567994 B57/G02 F 350,000.00 ZZ 360 349,675.84 1 6.375 2,183.54 70 6.125 2,183.54 WEST HILLS CA 91304 5 11/18/01 00 0433449188 05 01/01/02 0 2118622 O 12/01/31 0 6568794 Q99/G02 F 135,000.00 ZZ 360 134,886.59 1 1 6.875 886.85 78 6.625 886.85 SWANSEA MA 02777 2 11/26/01 00 0433414802 05 01/01/02 0 1 O 12/01/31 0 6569120 G97/G02 F 35,200.00 ZZ 360 35,179.22 1 8.625 273.78 80 8.375 273.78 DETROIT MI 48228 1 11/28/01 00 0433499605 05 01/01/02 0 31281 N 12/01/31 0 6569778 G97/G02 F 34,400.00 ZZ 360 34,379.69 1 8.625 267.56 80 8.375 267.56 DETROIT MI 48228 1 11/21/01 00 0433496973 05 01/01/02 0 31292 N 12/01/31 0 6570514 T44/G02 F 103,600.00 ZZ 360 103,449.57 1 7.625 733.27 80 7.375 733.27 JOHNSTON RI 02919 1 10/31/01 00 0433392651 03 12/01/01 0 1014151 O 11/01/31 0 6572108 M27/G02 F 129,600.00 ZZ 360 129,488.42 1 6.750 840.58 80 6.500 840.58 ANDERSON SC 29621 1 11/26/01 00 0433435724 05 01/01/02 0 600699862 O 12/01/31 0 6572260 964/G02 F 112,500.00 ZZ 360 112,416.51 1 7.500 786.62 90 7.250 786.62 SALEM OR 97305 1 11/30/01 11 0433492550 05 01/01/02 25 1 169426 O 12/01/31 0 6574244 B57/G02 F 90,000.00 ZZ 360 90,000.00 4 8.000 660.39 72 7.750 660.39 BAKERSFIELD CA 93308 2 12/17/01 00 0433547353 05 02/01/02 0 21B0185 N 01/01/32 0 6575458 W53/G02 F 74,700.00 ZZ 360 74,643.15 1 7.375 515.94 66 7.125 515.94 SARASOTA FL 34243 2 11/27/01 00 0433517216 05 01/01/02 0 1301000320 N 12/01/31 0 6575556 S11/G02 F 184,000.00 ZZ 360 183,856.47 1 7.250 1,255.20 80 7.000 1,255.20 LONG BEACH CA 90808 1 11/27/01 00 0433509411 05 01/01/02 0 10205780 O 12/01/31 0 6575974 W53/G02 F 69,800.00 ZZ 360 69,746.89 1 7.375 482.09 69 7.125 482.09 SARASOTA FL 34231 2 11/27/01 00 0433504933 05 01/01/02 0 1301000319 N 12/01/31 0 6576364 N47/G02 F 210,000.00 ZZ 360 209,840.21 1 7.375 1,450.42 80 7.125 1,450.42 TRACY CA 95376 5 11/21/01 00 0433425030 05 01/01/02 0 20410485 O 12/01/31 0 1 6576706 L76/G02 F 140,000.00 ZZ 360 139,873.43 1 6.500 884.90 85 6.250 884.90 APPLE VALLEY MN 55124 2 11/14/01 11 0433392461 03 01/01/02 12 9506184 O 12/01/31 0 6583912 B57/G02 F 275,000.00 ZZ 360 274,795.91 1 7.500 1,922.84 80 7.250 1,922.84 SIMI VALLEY CA 93063 5 11/23/01 00 0433485638 05 01/01/02 0 2140425 O 12/01/31 0 6586864 E22/G02 F 296,000.00 ZZ 360 295,785.76 1 7.625 2,095.07 80 7.375 2,095.07 WASHINGTON TX 77880 2 11/13/01 00 0413112095 05 01/01/02 0 0413112095 N 12/01/31 0 6586874 E22/G02 F 97,500.00 ZZ 360 97,427.65 1 7.500 681.73 74 7.250 681.73 MEMPHIS TN 38125 5 11/12/01 00 0413150392 05 01/01/02 0 0413150392 O 12/01/31 0 6586876 E22/G02 F 126,900.00 ZZ 360 126,814.85 1 8.000 931.15 90 7.750 931.15 HOLLY POND AL 35083 1 11/15/01 01 0413156084 05 01/01/02 25 0413156084 O 12/01/31 0 6586880 E22/G02 F 92,800.00 ZZ 360 92,721.03 1 7.000 617.40 80 6.750 617.40 1 LEANDER TX 78641 5 11/12/01 00 0413159419 05 01/01/02 0 0413159419 O 12/01/31 0 6587008 E22/G02 F 310,400.00 ZZ 360 310,132.75 1 6.750 2,013.25 80 6.500 2,013.25 DALLAS TX 75230 5 11/12/01 00 0413234774 05 01/01/02 0 0413234774 O 12/01/31 0 6587056 E22/G02 F 71,050.00 ZZ 360 70,990.31 1 6.875 466.75 43 6.625 466.75 GRANBURY TX 76049 5 11/12/01 00 0413262791 03 01/01/02 0 0413262791 O 12/01/31 0 6587090 E22/G02 F 85,400.00 ZZ 360 85,330.00 1 7.000 568.17 95 6.750 568.17 DALLAS TX 75206 1 11/16/01 04 0413286774 01 01/01/02 30 0413286774 O 12/01/31 0 6587584 E82/G02 F 117,000.00 ZZ 360 116,901.70 1 6.875 768.61 75 6.625 768.61 ARAB AL 35016 2 11/07/01 00 0400467536 05 01/01/02 0 1955436 O 12/01/31 0 6587610 E82/G02 F 59,800.00 ZZ 360 59,756.72 2 7.625 423.26 62 7.375 423.26 CHICAGO IL 60643 2 11/20/01 00 0400535928 05 01/01/02 0 1719971 N 12/01/31 0 1 6588426 W82/G02 F 330,775.00 ZZ 360 330,497.11 1 6.875 2,172.96 80 6.625 2,172.96 WARWICK RI 02886 5 11/21/01 00 0433439221 05 01/01/02 0 910001070 O 12/01/31 0 6590898 E76/G02 F 105,000.00 ZZ 360 104,922.07 1 7.500 734.18 75 7.250 734.18 EDGEWATER CO 80214 1 11/21/01 00 0433418373 05 01/01/02 0 10009502 O 12/01/31 0 6592390 N74/G02 F 147,732.43 ZZ 360 147,625.51 1 7.625 1,045.64 89 7.375 1,045.64 DANVILLE VA 24541 1 11/21/01 10 0433434396 05 01/01/02 25 0029563010 O 12/01/31 0 6595340 T29/G02 F 373,600.00 ZZ 360 373,315.72 1 7.375 2,580.36 80 7.125 2,580.36 PARADISE VALLEY AZ 85253 1 11/29/01 00 0433463502 05 01/01/02 0 1200579 O 12/01/31 0 6596128 T29/G02 F 370,500.00 ZZ 360 370,225.04 1 7.500 2,590.59 95 7.250 2,590.59 PHOENIX AZ 85020 1 11/26/01 12 0433487550 05 01/01/02 30 1230307 O 12/01/31 0 6596438 964/G02 F 219,500.00 ZZ 360 219,500.00 1 1 6.750 1,423.67 80 6.500 1,423.67 SCOTTSDALE AZ 85254 5 12/11/01 00 0433511771 05 02/01/02 0 171683 O 01/01/32 0 6598164 U05/G02 F 293,500.00 ZZ 360 293,308.01 1 8.125 2,179.23 88 7.875 2,179.23 NAPERVILLE IL 60540 2 11/26/01 01 0433444593 05 01/01/02 25 3177776 O 12/01/31 0 6600706 U96/G02 F 157,500.00 ZZ 360 157,500.00 1 7.500 1,101.26 75 7.250 1,101.26 HONOLULU HI 96818 2 12/03/01 00 0433489374 05 02/01/02 0 11100046 N 01/01/32 0 6602928 964/G02 F 350,000.00 ZZ 360 349,705.96 1 6.875 2,299.25 80 6.625 2,299.25 LAKE OSWEGO OR 97035 5 11/21/01 00 0433491396 05 01/01/02 0 168139 O 12/01/31 0 6603084 964/G02 F 245,000.00 ZZ 360 244,789.06 1 6.750 1,589.07 60 6.500 1,589.07 HENDERSON NV 89015 2 11/26/01 00 0433493202 05 01/01/02 0 168124 O 12/01/31 0 6604482 E22/G02 F 104,000.00 ZZ 360 103,922.82 1 7.500 727.18 80 7.250 727.18 DALLAS TX 75243 5 11/14/01 00 0413223256 05 01/01/02 0 1 0413223256 O 12/01/31 0 6604520 E22/G02 F 140,800.00 ZZ 360 140,681.71 1 6.875 924.96 80 6.625 924.96 WARMINSTER PA 18974 5 11/14/01 00 0413240854 05 01/01/02 0 0413240854 O 12/01/31 0 6604532 E22/G02 F 148,000.00 ZZ 360 147,878.68 1 7.000 984.65 80 6.750 984.65 FORT WORTH TX 76132 5 11/12/01 00 0413251182 01 01/01/02 0 0413251182 O 12/01/31 0 6604538 E22/G02 F 86,200.00 ZZ 360 86,136.03 1 7.500 602.72 93 7.250 602.72 LOS LUNAS NM 87031 2 11/13/01 04 0413252420 05 01/01/02 30 0413252420 O 12/01/31 0 6604568 E22/G02 F 63,000.00 ZZ 360 62,907.73 1 8.000 462.27 90 7.750 462.27 CHEYENNE WY 82001 1 11/19/01 01 0413271982 05 01/01/02 25 0413271982 O 12/01/31 0 6604580 E22/G02 F 55,800.00 ZZ 360 55,759.61 1 7.625 394.95 90 7.375 394.95 KIRBY TX 78219 1 11/19/01 01 0413280538 05 01/01/02 25 0413280538 N 12/01/31 0 1 6604582 E22/G02 F 176,000.00 ZZ 360 175,878.88 3 7.875 1,276.12 57 7.625 1,276.12 MATTAPAN MA 02126 5 11/13/01 00 0413281791 05 01/01/02 0 0413281791 O 12/01/31 0 6609228 H76/G02 F 225,000.00 ZZ 360 224,845.15 2 7.875 1,631.41 74 7.625 1,631.41 NORTH BERGEN NJ 07047 2 11/23/01 00 0433455391 05 01/01/02 0 2001408982 N 12/01/31 0 6609620 U05/G02 F 81,000.00 ZZ 360 80,945.65 4 8.000 594.35 90 7.750 594.35 PHOENIX AZ 85007 1 11/26/01 10 0433446168 05 01/01/02 25 3178803 N 12/01/31 0 6609642 U05/G02 F 81,000.00 ZZ 360 80,945.65 4 8.000 594.35 90 7.750 594.35 PHOENIX AZ 85007 1 11/26/01 10 0433429776 05 01/01/02 25 3178810 N 12/01/31 0 6617860 E23/G02 F 399,000.00 ZZ 360 399,000.00 1 7.000 2,654.56 77 6.750 2,654.56 CHINO HILLS CA 91709 1 12/07/01 00 0433501053 05 02/01/02 0 51010180 O 01/01/32 0 6617984 P59/G02 F 166,250.00 ZZ 360 166,250.00 1 7.875 1,205.43 95 7.625 1,205.43 1 PALMDALE CA 93552 1 12/11/01 01 0433528478 05 02/01/02 30 LA000959 O 01/01/32 0 6620338 K56/G02 F 366,000.00 ZZ 360 364,424.83 1 7.750 2,622.07 80 7.500 2,622.07 SUNRIVER OR 97707 5 06/15/01 00 0433470366 03 08/01/01 0 1210224 O 07/01/31 0 6620636 U05/G02 F 65,550.00 ZZ 360 65,508.20 2 8.250 492.46 95 8.000 492.46 ALLENTOWN PA 18102 5 11/28/01 10 0433437779 05 01/01/02 35 3179400 O 12/01/31 0 6621352 M27/G02 F 240,000.00 ZZ 360 239,788.25 1 6.625 1,536.75 80 6.375 1,536.75 BRENTWOOD TN 37027 1 11/15/01 00 0433423647 05 01/01/02 0 600703129 O 12/01/31 0 6621530 M37/G02 F 106,110.00 ZZ 360 106,029.25 1 7.375 732.88 90 7.125 732.88 GREEN VALLEY AZ 85614 1 11/26/01 04 0433449550 09 01/01/02 25 604448 O 12/01/31 0 6622180 W30/G02 F 196,000.00 ZZ 360 196,000.00 3 7.625 1,387.28 84 7.375 1,387.28 ATTLEBORO MA 02703 5 12/07/01 14 0433440302 05 02/01/02 12 0516962 O 01/01/32 0 1 6622832 964/G02 F 212,450.00 ZZ 360 212,284.27 1 7.250 1,449.28 90 7.000 1,449.28 BEND OR 97702 1 11/29/01 04 0433485331 05 01/01/02 25 171719 O 12/01/31 0 6623884 P67/G02 F 105,750.00 ZZ 360 105,750.00 2 8.250 794.46 90 8.000 794.46 GARDNER MA 01440 1 12/13/01 11 0433521945 05 02/01/02 30 1 N 01/01/32 0 6625006 B44/G02 F 303,615.00 ZZ 360 303,359.93 1 6.875 1,994.53 90 6.625 1,994.53 EAGLE ID 83616 1 11/26/01 11 0433433224 05 01/01/02 25 4011686 O 12/01/31 0 6625958 N74/G02 F 126,000.00 ZZ 360 125,908.81 1 7.625 891.82 90 7.375 891.82 THOMASVILLE NC 27360 2 11/26/01 10 0433423795 05 01/01/02 25 106 O 12/01/31 0 6625986 964/G02 F 236,000.00 ZZ 360 235,833.44 1 7.750 1,690.73 80 7.500 1,690.73 PHOENIX AZ 85028 1 11/29/01 00 0433429537 05 01/01/02 0 172863 O 12/01/31 0 6626328 964/G02 F 191,000.00 ZZ 360 191,000.00 1 1 6.750 1,238.82 80 6.500 1,238.82 SCOTTSDALE AZ 85254 5 12/11/01 00 0433494119 05 02/01/02 0 171697 O 01/01/32 0 6627624 N74/G02 F 90,000.00 ZZ 360 89,924.39 1 6.875 591.24 100 6.625 591.24 GREENSBORO NC 27405 2 11/26/01 10 0433423514 05 01/01/02 35 0029361310 O 12/01/31 0 6628826 742/G02 F 117,000.00 ZZ 360 117,000.00 2 7.875 848.33 90 7.625 848.33 ALBANY NY 12209 1 12/11/01 04 0433499787 05 02/01/02 25 8581662 N 01/01/32 0 6628854 N74/G02 F 109,100.00 ZZ 360 109,100.00 1 7.250 744.25 80 7.000 744.25 FORT SMITH AR 72908 2 11/28/01 00 0433422631 05 02/01/02 0 0029576010 O 01/01/32 0 6629152 E23/G02 F 148,000.00 ZZ 360 147,875.67 1 6.875 972.25 78 6.625 972.25 ONTARIO CA 91764 5 11/27/01 00 0433495447 05 01/01/02 0 51008359 O 12/01/31 0 6629960 E86/G02 F 207,000.00 ZZ 360 206,853.90 1 7.750 1,482.97 90 7.500 1,482.97 SPRING TX 77379 1 11/30/01 11 0433483559 03 01/01/02 25 1 162356 O 12/01/31 0 6631720 462/G02 F 153,500.00 ZZ 360 153,234.93 1 6.750 995.60 80 6.500 995.60 MIAMI FL 33178 1 10/25/01 00 0433419330 09 12/01/01 0 A5996 O 11/01/31 0 6635340 U05/G02 F 322,000.00 ZZ 360 321,761.03 1 7.500 2,251.47 80 7.250 2,251.47 MILPITAS CA 95035 1 11/30/01 00 0433455938 05 01/01/02 0 3184060 O 12/01/31 0 6635410 964/G02 F 338,000.00 ZZ 360 337,749.15 1 7.500 2,363.35 64 7.250 2,363.35 ALTADENA CA 91001 5 11/26/01 00 0433491578 05 01/01/02 0 157503 O 12/01/31 0 6635592 S54/G02 F 128,000.00 ZZ 360 127,892.46 1 6.875 840.87 80 6.625 840.87 SHERIDAN IN 46069 5 11/27/01 00 0433427879 05 01/03/02 0 6268270 O 12/03/31 0 6639928 E22/G02 F 146,000.00 ZZ 360 145,883.25 1 7.125 983.63 80 6.875 983.63 ROXBURY TOWNSHI NJ 07850 2 11/15/01 00 0413113382 05 01/01/02 0 0413113382 O 12/01/31 0 1 6639938 E22/G02 F 80,500.00 ZZ 360 80,384.12 1 7.000 535.57 84 6.750 535.57 DEARBORN HEIGHT MI 48125 2 11/15/01 04 0413129552 05 01/01/02 25 0413129552 O 12/01/31 0 6639946 E22/G02 F 125,000.00 ZZ 360 124,889.71 1 6.625 800.39 62 6.375 800.39 GLEN ROSE TX 76043 5 11/13/01 00 0413141581 05 01/01/02 0 0413141581 O 12/01/31 0 6639948 E22/G02 F 232,500.00 ZZ 360 232,318.63 1 7.250 1,586.06 75 7.000 1,586.06 BOCA RATON FL 33431 5 11/15/01 00 0413143645 03 01/01/02 0 0413143645 O 12/01/31 0 6640024 E22/G02 F 116,000.00 ZZ 360 115,900.13 1 6.750 752.37 80 6.500 752.37 ARROYO HONDO NM 87513 1 11/16/01 00 0413223595 05 01/01/02 0 0413223595 O 12/01/31 0 6640078 E22/G02 F 126,000.00 ZZ 360 125,901.71 1 7.250 859.54 68 7.000 859.54 CORAL SPRINGS FL 33065 5 11/15/01 00 0413249020 05 01/01/02 0 0413249020 O 12/01/31 0 6640084 E22/G02 F 68,000.00 ZZ 360 67,948.26 1 7.375 469.66 68 7.125 469.66 1 VASSAR MI 48768 5 11/20/01 00 0413252099 05 01/01/02 0 0413252099 N 12/01/31 0 6640126 E22/G02 F 80,000.00 ZZ 360 79,934.43 1 7.000 532.24 60 6.750 532.24 MARBLE FALLS TX 78654 5 11/13/01 00 0413279845 03 01/01/02 0 0413279845 O 12/01/31 0 6640128 E22/G02 F 117,000.00 ZZ 360 116,904.10 1 7.000 778.40 84 6.750 778.40 BIRMINGHAM AL 35226 5 11/15/01 10 0413279985 05 01/01/02 12 0413279985 O 12/01/31 0 6640130 E22/G02 F 117,000.00 ZZ 360 116,906.44 1 7.125 788.25 95 6.875 788.25 CLEARWATER FL 33763 2 11/15/01 04 0413280249 05 01/01/02 30 0413280249 O 12/01/31 0 6640146 E22/G02 F 99,500.00 ZZ 360 99,429.77 1 7.750 712.83 77 7.500 712.83 COLORADO SPRING CO 80911 5 11/13/01 00 0413290321 05 01/01/02 0 0413290321 O 12/01/31 0 6640176 E22/G02 F 161,000.00 ZZ 360 160,894.68 4 8.125 1,195.42 90 7.875 1,195.42 KENNER LA 70062 2 11/20/01 01 0413322470 05 01/01/02 25 0413322470 N 12/01/31 0 1 6640462 E82/G02 F 100,000.00 ZZ 360 99,915.99 1 6.875 656.93 58 6.625 656.93 BRANCHBURG NJ 08876 2 11/19/01 00 0400517694 05 01/01/02 0 1790739 O 12/01/31 0 6640508 E82/G02 F 97,700.00 ZZ 360 97,619.92 1 7.000 650.00 76 6.750 650.00 SANTA FE NM 87501 2 11/16/01 00 0400512364 05 01/01/02 0 1863713 O 12/01/31 0 6640532 E82/G02 F 245,000.00 ZZ 360 244,789.06 1 6.750 1,589.07 79 6.500 1,589.07 KENNESAW GA 30144 2 11/14/01 00 0400536629 03 01/01/02 0 1880933 O 12/01/31 0 6640552 E82/G02 F 89,000.00 ZZ 360 88,923.38 1 6.750 577.25 34 6.500 577.25 MARSHFIELD MA 02050 2 11/13/01 00 0400513040 05 01/01/02 0 1891284 O 12/01/31 0 6640574 E82/G02 F 104,000.00 ZZ 360 103,920.87 1 7.375 718.30 54 7.125 718.30 SEATTLE WA 98133 2 11/09/01 00 0400512612 05 01/01/02 0 1831577 O 12/01/31 0 6640576 E82/G02 F 250,000.00 ZZ 360 249,804.98 1 1 7.250 1,705.44 52 7.000 1,705.44 DULUTH GA 30097 5 11/20/01 00 0400526653 03 01/01/02 0 0400526653 O 12/01/31 0 6640608 E82/G02 F 357,850.00 ZZ 360 357,541.90 1 6.750 2,321.01 45 6.500 2,321.01 PARADISE VALLEY AZ 85253 2 11/19/01 00 0400528774 05 01/01/02 0 3126406 O 12/01/31 0 6640612 E82/G02 F 158,900.00 ZZ 360 158,766.50 1 6.875 1,043.86 76 6.625 1,043.86 GURNEE IL 60031 2 11/15/01 00 0400528196 05 01/01/02 0 1612852 O 12/01/31 0 6640620 U53/G02 F 139,000.00 ZZ 360 138,888.84 1 7.125 936.47 61 6.875 936.47 WEST COVINA CA 91790 5 11/20/01 00 0400514170 05 01/01/02 0 0400514170 O 12/01/31 0 6641072 L49/G02 F 374,400.00 ZZ 360 373,737.52 1 6.625 2,397.33 80 6.375 2,397.33 FULLERTON CA 92835 1 10/22/01 00 0433370988 03 12/01/01 0 10007106 O 11/01/31 0 6641454 L49/G02 F 517,450.00 ZZ 360 517,046.33 1 7.250 3,529.93 80 7.000 3,529.93 FULLERTON CA 92835 1 11/01/01 00 0433371473 03 01/01/02 0 1 10007579 O 12/01/31 0 6642130 G75/G75 F 76,000.00 ZZ 360 75,886.83 1 7.500 531.41 95 7.250 531.41 BALTIMORE MD 21215 5 10/24/01 14 04398031 05 12/01/01 30 04398031 O 11/01/31 0 6643444 588/G02 F 370,000.00 ZZ 360 369,696.71 1 7.000 2,461.62 78 6.750 2,461.62 MORRIS TOWNSHIP NJ 07960 1 11/29/01 00 0433453503 05 01/01/02 0 1 O 12/01/31 0 6644026 588/G02 F 223,200.00 ZZ 360 223,200.00 1 7.250 1,522.62 80 7.000 1,522.62 WASHINGTON GROV MD 20880 1 12/10/01 00 0433500337 05 02/01/02 0 1055455 O 01/01/32 0 6644044 369/369 F 600,000.00 ZZ 360 600,000.00 1 6.750 3,891.59 75 6.500 3,891.59 COLUMBUS IN 47201 5 11/28/01 00 0073491623 09 02/01/02 0 0073491623 O 01/01/32 0 6644744 964/G02 F 570,000.00 ZZ 360 570,000.00 1 7.375 3,936.85 75 7.125 3,936.85 SCOTTSDALE AZ 85255 5 12/06/01 00 0433542941 05 02/01/02 0 161204 O 01/01/32 0 1 6647784 N74/G02 F 86,250.00 ZZ 240 86,096.62 1 7.625 701.43 75 7.375 701.43 WILKESBORO NC 28697 5 11/28/01 00 0433433786 05 01/01/02 0 0029574010 N 12/01/21 0 6648462 E47/G02 F 137,150.00 ZZ 360 137,150.00 1 7.875 994.51 90 7.625 994.51 SMITHSBURG MD 21783 1 12/04/01 11 0433532272 05 02/01/02 25 7339010564 O 01/01/32 0 6648480 E23/G02 F 116,000.00 ZZ 360 115,904.92 1 7.000 771.75 70 6.750 771.75 VENTURA CA 93001 2 11/12/01 00 0433530508 01 01/01/02 0 51009202 N 12/01/31 0 6648578 U45/G02 F 126,270.00 ZZ 360 126,099.99 1 8.000 926.52 90 7.750 926.52 AMERICAN FORK UT 84003 1 10/23/01 11 0433471315 05 12/01/01 25 6128010697 N 11/01/31 0 6649306 A06/G02 F 220,000.00 ZZ 360 219,832.59 1 7.375 1,519.49 80 7.125 1,519.49 GROSSE POINT WO MI 48236 2 11/24/01 00 0433447026 05 01/01/02 0 1 O 12/01/31 0 6649672 742/G02 F 298,300.00 ZZ 360 298,300.00 1 7.000 1,984.60 82 6.750 1,984.60 1 NORTH WALES PA 19454 2 12/14/01 04 0433541851 05 02/01/02 12 8616740 O 01/01/32 0 6649916 T44/G02 F 122,000.00 ZZ 360 121,922.20 1 8.250 916.55 77 8.000 916.55 SOUTH LAKE TAHO CA 96150 5 12/01/01 00 0433491222 05 01/01/02 0 1025542 O 12/01/31 0 6649946 Q99/G02 F 169,000.00 ZZ 360 169,000.00 1 8.000 1,240.06 90 7.750 1,240.06 GOSHEN IN 46526 2 12/04/01 14 0433432598 05 02/01/02 25 313509590 O 01/01/32 0 6651610 964/G02 F 112,800.00 ZZ 360 112,714.17 1 7.375 779.08 80 7.125 779.08 PHOENIX AZ 85050 1 11/29/01 00 0433488392 03 01/01/02 0 173824 N 12/01/31 0 6654184 696/G02 F 143,920.00 ZZ 360 143,810.49 1 7.375 994.02 80 7.125 994.02 RESTON VA 20194 1 11/16/01 00 0433399581 09 01/01/02 0 25201124 O 12/01/31 0 6654396 N74/G02 F 128,000.00 ZZ 360 128,000.00 1 7.750 917.01 80 7.500 917.01 MAUMELLE AR 72113 5 11/28/01 00 0433423837 05 02/01/02 0 0029579010 O 01/01/32 0 1 6654564 975/G02 F 400,000.00 ZZ 360 399,695.63 1 7.375 2,762.70 70 7.125 2,762.70 IRVINE CA 92606 5 11/19/01 00 0433471232 03 01/01/02 0 2014783 O 12/01/31 0 6654710 405/405 F 384,000.00 ZZ 360 383,692.00 1 7.125 2,587.08 80 6.625 2,587.08 RIO LINDA CA 95673 5 11/01/01 00 0017839952 03 01/01/02 0 0017839952 O 12/01/31 0 6654712 405/405 F 343,200.00 ZZ 360 342,911.67 1 6.875 2,254.58 80 6.375 2,254.58 TAMPA FL 33609 5 11/06/01 00 0017845082 05 01/01/02 0 0017845082 O 12/01/31 0 6654716 405/405 F 400,000.00 ZZ 360 399,374.03 1 7.250 2,728.71 80 6.750 2,728.71 LOS ANGELES CA 90024 1 10/29/01 00 0017851601 01 12/01/01 0 0017851601 O 11/01/31 0 6654720 405/405 F 408,000.00 ZZ 360 407,648.71 1 6.750 2,646.29 80 6.250 2,646.29 OAK PARK CA 91377 5 11/01/01 00 0017859158 03 01/01/02 0 0017859158 O 12/01/31 0 6654724 405/405 F 600,000.00 ZZ 360 598,963.91 1 1 6.750 3,891.59 71 6.250 3,891.59 MANHATTAN BEACH CA 90266 5 10/24/01 00 0017862624 05 12/01/01 0 0017862624 O 11/01/31 0 6654728 405/405 F 303,800.00 ZZ 360 303,557.05 1 7.125 2,046.76 78 6.625 2,046.76 MOORPARK CA 93021 2 11/05/01 00 0017863283 03 01/01/02 0 0017863283 O 12/01/31 0 6654744 405/405 F 444,000.00 ZZ 360 443,626.98 1 6.875 2,916.77 80 6.375 2,916.77 LOS ANGELES CA 90045 1 11/02/01 00 0017916479 05 01/01/02 0 0017916479 O 12/01/31 0 6656098 U35/G02 F 91,200.00 ZZ 360 91,146.16 1 8.625 709.34 90 8.375 709.34 APPLE VALLEY MN 55124 1 11/28/01 01 0433465978 09 01/01/02 25 6656098 N 12/01/31 0 6657144 U05/G02 F 216,600.00 ZZ 360 216,600.00 1 7.250 1,477.59 95 7.000 1,477.59 WILMINGTON DE 19810 5 12/05/01 10 0433499928 05 02/01/02 30 3189217 O 01/01/32 0 6657338 M18/G02 F 371,400.00 ZZ 360 371,144.40 2 7.875 2,692.91 87 7.625 2,692.91 GLENDALE CA 91202 1 11/15/01 04 0433470770 05 01/01/02 25 1 980101326 O 12/01/31 0 6657470 964/G02 F 320,000.00 ZZ 360 320,000.00 1 6.750 2,075.51 78 6.500 2,075.51 CLAYTON CA 94517 5 12/03/01 00 0433502317 05 02/01/02 0 163118 O 01/01/32 0 6658052 N47/G02 F 468,000.00 ZZ 360 468,000.00 1 7.500 3,272.32 80 7.250 3,272.32 DANVILLE CA 94526 5 12/04/01 00 0433513900 03 02/01/02 0 20511098 O 01/01/32 0 6658494 Q99/G02 F 380,000.00 ZZ 360 380,000.00 1 7.750 2,722.37 80 7.500 2,722.37 FOXBOROUGH MA 02035 5 12/06/01 00 0433432390 05 02/01/02 0 031448222 O 01/01/32 0 6658882 700/G02 F 332,000.00 ZZ 360 332,000.00 1 6.875 2,181.00 75 6.625 2,181.00 SANTA ANA CA 92706 5 12/03/01 00 0433519675 05 02/01/02 0 00263705 O 01/01/32 0 6661034 E22/G02 F 188,000.00 ZZ 360 187,853.34 1 7.250 1,282.49 80 7.000 1,282.49 BELFAIR WA 98528 1 11/06/01 00 0412996050 05 01/01/02 0 0412996050 O 12/01/31 0 1 6661086 E22/G02 F 130,500.00 ZZ 360 130,403.16 1 7.500 912.47 90 7.250 912.47 GRAND BAY AL 36541 2 11/16/01 01 0413172321 05 01/01/02 25 0413172321 O 12/01/31 0 6661090 E22/G02 F 71,800.00 ZZ 360 71,736.66 1 6.625 459.74 58 6.375 459.74 HOUSTON TX 77071 5 11/15/01 00 0413172891 03 01/01/02 0 0413172891 O 12/01/31 0 6661092 E22/G02 F 180,000.00 ZZ 360 179,852.46 1 7.000 1,197.54 79 6.750 1,197.54 ROCKWALL TX 75087 5 11/16/01 00 0413179458 05 01/01/02 0 0413179458 O 12/01/31 0 6661100 E22/G02 F 127,200.00 ZZ 360 127,090.48 1 6.750 825.02 60 6.500 825.02 SANTA FE NM 87501 5 11/13/01 00 0413182163 05 01/01/02 0 0413182163 O 12/01/31 0 6661144 E22/G02 F 95,500.00 ZZ 360 95,415.74 1 6.625 611.50 85 6.375 611.50 EL PASO TX 79936 2 11/09/01 04 0413213000 05 01/01/02 12 0413213000 O 12/01/31 0 6661160 E22/G02 F 115,000.00 ZZ 360 114,912.49 1 7.375 794.28 80 7.125 794.28 1 BOYNTON BEACH FL 33435 5 11/16/01 00 0413227349 09 01/01/02 0 0413227349 O 12/01/31 0 6661164 E22/G02 F 115,900.00 ZZ 360 115,809.59 1 7.250 790.64 80 7.000 790.64 OTIS ORCHARDS WA 99027 5 11/13/01 00 0413230434 05 01/01/02 0 0413230434 O 12/01/31 0 6661194 E22/G02 F 128,000.00 ZZ 360 127,897.64 1 7.125 862.36 80 6.875 862.36 AUSTIN TX 78759 5 11/09/01 00 0413239286 05 01/01/02 0 0413239286 O 12/01/31 0 6661204 E22/G02 F 89,600.00 ZZ 360 89,533.50 1 7.500 626.50 80 7.250 626.50 CAMBRIDGE MN 55008 5 11/20/01 00 0413241712 05 01/01/02 0 0413241712 O 12/01/31 0 6661216 E22/G02 F 344,000.00 ZZ 360 343,696.50 1 6.625 2,202.67 33 6.375 2,202.67 SAN MATEO CA 94402 2 11/06/01 00 0413247396 05 01/01/02 0 0413247396 O 12/01/31 0 6661222 E22/G02 F 76,300.00 ZZ 360 76,248.81 2 8.000 559.86 70 7.750 559.86 OGDEN UT 84403 5 11/14/01 00 0413254152 05 01/01/02 0 0413254152 N 12/01/31 0 1 6661244 E22/G02 F 115,500.00 ZZ 360 115,416.41 1 7.625 817.50 80 7.375 817.50 MIAMI FL 33126 5 11/16/01 00 0413270745 05 01/01/02 0 0413270745 O 12/01/31 0 6661252 E22/G02 F 175,000.00 ZZ 360 174,845.61 1 6.625 1,120.54 51 6.375 1,120.54 KATY TX 77450 5 11/15/01 00 0413274853 03 01/01/02 0 0413274853 O 12/01/31 0 6661260 E22/G02 F 163,600.00 ZZ 360 163,462.55 1 6.875 1,074.74 80 6.625 1,074.74 PLANO TX 75075 5 11/16/01 00 0413278631 05 01/01/02 0 0413278631 O 12/01/31 0 6661276 E22/G02 F 550,000.00 ZZ 360 549,581.50 1 7.375 3,798.71 68 7.125 3,798.71 NEWTON UPPER FA MA 02464 2 11/16/01 00 0413284951 05 01/01/02 0 0413284951 O 12/01/31 0 6661284 E22/G02 F 400,000.00 ZZ 360 399,731.61 1 8.000 2,935.06 79 7.750 2,935.06 SAN FRANCISCO CA 94122 1 11/14/01 00 0413288879 07 01/01/02 0 0413288879 O 12/01/31 0 6661762 E82/G02 F 225,000.00 ZZ 360 224,810.97 1 1 6.875 1,478.09 42 6.625 1,478.09 SAN CLEMENTE CA 92673 2 11/20/01 00 0400525465 03 01/01/02 0 0400525465 O 12/01/31 0 6661788 E82/G02 F 268,900.00 ZZ 360 268,674.09 1 6.875 1,766.48 80 6.625 1,766.48 RANCHO CUCAMONG CA 91737 2 11/14/01 00 0400519799 05 01/01/02 0 0400519799 O 12/01/31 0 6662470 964/G02 F 247,500.00 ZZ 360 247,302.08 3 7.125 1,667.45 90 6.875 1,667.45 PORTLAND OR 97214 1 11/28/01 01 0433487444 05 01/01/02 25 168501 N 12/01/31 0 6663370 P01/G02 F 84,000.00 ZZ 240 83,695.65 2 7.500 676.70 84 7.250 676.70 COHOES NY 12047 2 11/14/01 04 0433426509 05 12/19/01 12 01006874 O 11/19/21 0 6666912 P09/G02 F 110,000.00 ZZ 360 110,000.00 1 8.000 807.14 92 7.750 807.14 TEMPLE HILLS MD 20748 5 11/27/01 10 0433446705 09 02/01/02 30 R0110131 O 01/01/32 0 6669356 588/G02 F 335,000.00 ZZ 360 333,772.17 1 7.625 2,371.11 61 7.375 2,371.11 WASHINGTON TOWN NJ 07830 1 07/31/01 00 0433390929 05 09/01/01 0 1 00010413366 O 08/01/31 0 6671672 F89/G02 F 111,000.00 ZZ 360 110,934.46 1 8.625 863.35 75 8.375 863.35 REDLANDS CA 92374 5 11/28/01 00 0433446598 05 01/01/02 0 15003 N 12/01/31 0 6672198 G18/G02 F 92,800.00 ZZ 360 92,734.50 2 7.750 664.83 80 7.500 664.83 ST PAUL MN 55106 1 11/16/01 00 0433416922 05 01/01/02 0 09DM10110700 N 12/01/31 0 6672570 E11/G02 F 197,100.00 ZZ 360 196,967.75 4 8.000 1,446.25 90 7.750 1,446.25 MINNEAPOLIS MN 55411 1 11/29/01 04 0433485448 05 01/01/02 25 0003001037906 N 12/01/31 0 6673886 964/G02 F 266,000.00 ZZ 360 265,807.48 1 7.625 1,882.73 95 7.375 1,882.73 CLOVIS CA 93611 1 11/08/01 01 0433396777 05 01/01/02 30 159634 O 12/01/31 0 6674060 806/G02 F 190,900.00 ZZ 360 190,425.97 1 7.375 1,318.50 80 7.125 1,318.50 FONTANA CA 92336 1 10/16/01 00 0433391489 05 12/01/01 0 1040002586 O 11/01/31 0 1 6674214 562/G02 F 90,000.00 ZZ 360 90,000.00 1 8.250 676.14 90 8.000 676.14 POUGHKEEPSIE NY 12601 1 12/14/01 04 0433511888 05 02/01/02 25 297031040 N 01/01/32 0 6674482 A06/G02 F 240,000.00 ZZ 360 239,817.37 1 7.375 1,657.63 80 7.125 1,657.63 BEVERLY HILLS MI 48025 5 12/03/01 00 0433466224 05 01/01/02 0 1000020147760 O 12/01/31 0 6677930 H76/G02 F 77,000.00 ZZ 360 76,945.65 1 7.750 551.64 78 7.500 551.64 WAYLAND MI 49348 2 11/30/01 00 0433436722 05 01/01/02 0 409016 O 12/01/31 0 6679294 944/G02 F 397,500.00 ZZ 360 397,500.00 1 6.750 2,578.18 75 6.500 2,578.18 REDWOOD CITY CA 94062 2 12/01/01 00 0433526506 05 02/01/02 0 R00091585 O 01/01/32 0 6680006 975/G02 F 348,000.00 ZZ 360 348,000.00 1 7.000 2,315.25 80 6.750 2,315.25 ANAHEIM CA 92807 5 12/01/01 00 0433512720 05 02/01/02 0 2014823 O 01/01/32 0 6680040 T44/G02 F 207,000.00 ZZ 360 206,826.10 1 6.875 1,359.84 60 6.625 1,359.84 1 FOLSOM CA 95639 2 11/27/01 00 0433439254 05 01/01/02 0 1026409 O 12/01/31 0 6680550 964/G02 F 107,550.00 ZZ 360 107,550.00 1 7.750 770.50 90 7.500 770.50 WESTFIR OR 97492 1 12/06/01 01 0433517448 05 02/01/02 25 174342 O 01/01/32 0 6683506 E22/G02 F 377,700.00 ZZ 360 377,374.80 1 6.750 2,449.76 50 6.500 2,449.76 OAKLAND CA 94618 5 11/20/01 00 0413224908 05 01/01/02 0 0413224908 O 12/01/31 0 6683510 E22/G02 F 100,000.00 ZZ 360 99,921.99 1 7.250 682.18 80 7.000 682.18 GRANDVIEW WA 98930 1 11/16/01 00 0413225921 05 01/01/02 0 0413225921 O 12/01/31 0 6683520 E22/G02 F 225,000.00 ZZ 360 224,810.97 1 6.875 1,478.09 75 6.625 1,478.09 ROCKWALL TX 75087 5 11/16/01 00 0413233008 05 01/01/02 0 0413233008 O 12/01/31 0 6683522 E22/G02 F 252,000.00 ZZ 360 251,803.42 1 7.250 1,719.08 69 7.000 1,719.08 HOUSTON TX 77069 5 11/19/01 00 0413233255 03 01/01/02 0 0413233255 O 12/01/31 0 1 6683524 E22/G02 F 107,000.00 ZZ 360 106,910.11 1 6.875 702.91 94 6.625 702.91 JACKSONVILLE FL 32220 5 11/16/01 01 0413233420 05 01/01/02 30 0413233420 O 12/01/31 0 6683530 E22/G02 F 67,000.00 ZZ 360 66,942.32 1 6.750 434.56 80 6.500 434.56 CHARLOTTE NC 28269 2 11/20/01 00 0413234329 05 01/01/02 0 0413234329 O 12/01/31 0 6683532 E22/G02 F 311,250.00 ZZ 360 310,982.02 1 6.750 2,018.76 75 6.500 2,018.76 DOWNEY CA 90242 1 11/16/01 00 0413234410 05 01/01/02 0 0413234410 O 12/01/31 0 6683538 E22/G02 F 310,850.00 ZZ 360 310,568.99 1 6.500 1,964.78 79 6.250 1,964.78 WOODINVILLE WA 98072 1 11/16/01 00 0413237421 03 01/01/02 0 0413237421 O 12/01/31 0 6683560 E22/G02 F 125,000.00 ZZ 360 124,889.71 1 6.625 800.39 72 6.375 800.39 HOUSTON TX 77035 5 11/20/01 00 0413250101 05 01/01/02 0 0413250101 O 12/01/31 0 6683576 E22/G02 F 131,350.00 ZZ 360 131,075.06 1 1 7.375 907.20 69 7.125 907.20 WOOD DALE IL 60191 5 11/19/01 00 0413259664 05 01/01/02 0 0413259664 O 12/01/31 0 6683592 E22/G02 F 108,000.00 ZZ 360 107,902.37 1 6.500 682.63 62 6.250 682.63 MIAMI FL 33135 5 11/19/01 00 0413266669 05 01/01/02 0 0413266669 O 12/01/31 0 6683596 E22/G02 F 72,700.00 ZZ 360 71,543.00 1 6.500 459.51 46 6.250 459.51 CARROLLTON TX 75007 2 11/20/01 00 0413267345 05 01/01/02 0 0413267345 O 12/01/31 0 6683702 E22/G02 F 96,800.00 ZZ 360 96,718.67 1 6.875 635.91 80 6.625 635.91 DONALD OR 97020 5 11/15/01 00 0413329970 05 01/01/02 0 0413329970 O 12/01/31 0 6689824 N47/G02 F 319,000.00 ZZ 360 319,000.00 1 7.000 2,122.31 78 6.750 2,122.31 HOLLISTER CA 95023 5 12/05/01 00 0433505302 05 02/01/02 0 20112495 O 01/01/32 0 6690080 X19/G02 F 82,500.00 ZZ 360 82,500.00 1 7.500 576.85 45 7.250 576.85 YORKTOWN NY 10547 2 11/30/01 00 0433428125 05 02/01/02 0 1 21100205 O 01/01/32 0 6691048 U05/G02 F 130,500.00 ZZ 360 130,416.79 3 8.250 980.40 90 8.000 980.40 LAUDERHILL FL 33313 1 11/30/01 11 0433460870 05 01/01/02 25 3181305 N 12/01/31 0 6691072 N47/G02 F 268,000.00 ZZ 360 267,774.85 1 6.875 1,760.57 67 6.625 1,760.57 SALINAS CA 93906 2 11/29/01 00 0433489184 05 01/01/02 0 20112342 O 12/01/31 0 6691302 944/G02 F 275,000.00 ZZ 360 274,795.91 1 7.500 1,922.84 95 7.250 1,922.84 SILVER SPRING MD 20906 1 11/30/01 04 0433511631 05 01/01/02 30 W01095249 O 12/01/31 0 6691672 163/G02 F 400,000.00 ZZ 360 400,000.00 1 7.750 2,865.65 77 7.500 2,865.65 BROOKLYN NY 11210 1 12/12/01 00 0433494101 05 02/01/02 0 1000340502 N 01/01/32 0 6692632 F36/G02 F 112,000.00 ZZ 360 112,000.00 1 6.625 717.15 80 6.375 717.15 TACOMA WA 98446 1 12/03/01 00 0433453107 05 02/01/02 0 06403442 O 01/01/32 0 1 6692722 964/G02 F 236,000.00 ZZ 360 235,829.19 2 7.625 1,670.39 80 7.375 1,670.39 DENVER CO 80204 2 12/04/01 00 0433497831 05 01/01/02 0 168944 N 12/01/31 0 6692724 588/G02 F 203,000.00 ZZ 360 152,069.12 1 7.375 1,402.07 70 7.125 1,402.07 EAST CALN TOWNS PA 19335 1 08/30/01 00 0433429669 05 10/01/01 0 1046868 O 09/01/31 0 6695780 E23/G02 F 300,000.00 ZZ 360 299,818.26 1 8.500 2,306.74 87 8.250 2,306.74 NAPA CA 94559 1 11/29/01 04 0433522067 05 01/01/02 25 62000392 O 12/01/31 0 6696798 N74/G02 F 106,000.00 ZZ 360 105,919.34 1 7.375 732.12 80 7.125 732.12 WASHINGTON UT 84780 1 11/29/01 00 0433423712 03 01/01/02 0 284 O 12/01/31 0 6700542 624/G02 F 506,250.00 ZZ 360 505,803.35 1 6.625 3,241.57 75 6.375 3,241.57 BERTHOUD CO 80513 5 11/21/01 00 0433425527 05 01/01/02 0 7301381055 O 12/01/31 0 6701512 313/G02 F 183,750.00 ZZ 360 183,603.06 1 7.125 1,237.96 75 6.875 1,237.96 1 LITTLE ROCK AR 72212 5 11/06/01 00 0433426921 05 01/01/02 0 0008420473 O 12/01/31 0 6703664 L16/G02 F 268,000.00 ZZ 360 267,833.43 1 8.375 2,036.99 84 8.125 2,036.99 PLEASANT GROVE UT 84062 2 11/30/01 04 0433423159 05 01/01/02 12 W0111241 O 12/01/31 0 6703772 G27/G02 F 105,000.00 ZZ 360 105,000.00 1 7.125 707.40 54 6.875 707.40 FULLERTON CA 92831 5 12/05/01 00 0433489275 03 02/01/02 0 20800039 O 01/01/32 0 6707162 E22/G02 F 90,000.00 ZZ 360 89,938.07 1 7.875 652.56 79 7.625 652.56 BROOKLYN NY 11201 1 11/27/01 00 0412776080 08 01/01/02 0 0412776080 N 12/01/31 0 6707168 E22/G02 F 98,315.00 ZZ 360 98,242.04 1 7.500 687.43 63 7.250 687.43 HOUSTON TX 77066 5 11/13/01 00 0413009473 03 01/01/02 0 0413009473 O 12/01/31 0 6707190 E22/G02 F 102,800.00 ZZ 360 102,729.26 1 7.875 745.37 80 7.625 745.37 BAYTOWN TX 77520 5 11/21/01 00 0413127838 05 01/01/02 0 0413127838 O 12/01/31 0 1 6707220 E22/G02 F 230,000.00 ZZ 360 229,824.99 1 7.375 1,588.55 80 7.125 1,588.55 SALT LAKE CITY UT 84108 5 11/12/01 00 0413176991 05 01/01/02 0 0413176991 O 12/01/31 0 6707228 E22/G02 F 76,000.00 ZZ 360 75,940.72 1 7.250 518.45 70 7.000 518.45 HOLLYWOOD FL 33021 5 11/21/01 00 0413192790 05 01/01/02 0 0413192790 O 12/01/31 0 6707258 E22/G02 F 363,750.00 ZZ 360 363,436.81 1 6.750 2,359.28 75 6.500 2,359.28 BIGFORK MT 59911 5 11/21/01 00 0413215880 05 01/01/02 0 0413215880 O 12/01/31 0 6707272 E22/G02 F 518,000.00 ZZ 360 517,520.23 1 6.375 3,231.65 63 6.125 3,231.65 SAN MATEO CA 94403 2 11/13/01 00 0413228255 05 01/01/02 0 0413228255 O 12/01/31 0 6707290 E22/G02 F 128,000.00 ZZ 360 127,916.27 1 8.125 950.40 80 7.875 950.40 CONROE TX 77302 5 11/20/01 00 0413241886 03 01/01/02 0 0413241886 O 12/01/31 0 6707292 E22/G02 F 103,000.00 ZZ 360 102,919.65 1 1 7.250 702.64 57 7.000 702.64 AUSTIN TX 78759 5 11/20/01 00 0413243171 01 01/01/02 0 0413243171 O 12/01/31 0 6707308 E22/G02 F 114,299.00 ZZ 360 114,224.23 2 8.125 848.67 90 7.875 848.67 FORT WORTH TX 76133 1 11/12/01 04 0413246695 05 01/01/02 25 0413246695 N 12/01/31 0 6707330 E22/G02 F 165,000.00 ZZ 360 164,857.94 1 6.750 1,070.19 53 6.500 1,070.19 BIG SKY MT 59716 2 11/27/01 00 0413254764 21 01/01/02 0 0413254764 N 12/01/31 0 6707338 E22/G02 F 133,600.00 ZZ 360 133,490.49 1 7.000 888.84 80 6.750 888.84 CASTLE ROCK CO 80104 2 11/16/01 00 0413261629 07 01/01/02 0 0413261629 O 12/01/31 0 6707350 E22/G02 F 103,500.00 ZZ 360 103,430.55 1 8.000 759.45 87 7.750 759.45 LA GRANGE KY 40031 2 11/21/01 01 0413263344 05 01/01/02 30 0413263344 O 12/01/31 0 6707374 E22/G02 F 372,875.00 ZZ 360 372,624.81 1 8.000 2,736.02 95 7.750 2,736.02 MIAMI BEACH FL 33139 1 11/27/01 01 0413273095 05 01/01/02 30 1 0413273095 O 12/01/31 0 6707402 E22/G02 F 73,500.00 ZZ 360 73,439.75 1 7.000 489.00 30 6.750 489.00 CRESTWOOD KY 40014 2 11/16/01 00 0413285669 05 01/01/02 0 0413285669 O 12/01/31 0 6707422 E22/G02 F 107,500.00 ZZ 360 107,411.88 1 7.000 715.20 90 6.750 715.20 FORT WAYNE IN 46815 5 11/21/01 04 0413297557 05 01/01/02 25 0413297557 O 12/01/31 0 6707428 E22/G02 F 134,400.00 ZZ 360 134,281.42 1 6.625 860.58 80 6.375 860.58 SUMMERVILLE SC 29483 5 11/21/01 00 0413305715 05 01/01/02 0 0413305715 O 12/01/31 0 6708752 W99/G02 F 163,500.00 ZZ 360 163,400.95 1 8.500 1,257.18 60 8.250 1,257.18 NORTH MYRTLE BE SC 29582 1 11/30/01 00 0433485406 05 01/01/02 0 1 O 12/01/31 0 6710790 K39/G02 F 600,000.00 ZZ 360 599,596.59 1 7.990 4,398.41 75 7.740 4,398.41 NEW ORLEANS LA 70116 5 11/30/01 00 0433485539 05 01/05/02 0 450681738 O 12/05/31 0 1 6710880 W39/G02 F 275,000.00 ZZ 360 274,810.75 1 7.875 1,993.94 80 7.625 1,993.94 LAFAYETTE LA 70508 2 11/30/01 00 0433495595 05 01/01/02 0 992250 O 12/01/31 0 6710942 E23/G02 F 190,000.00 ZZ 360 190,000.00 4 8.000 1,394.15 80 7.750 1,394.15 EL CENTRO CA 92243 1 12/28/01 00 0433548781 05 02/01/02 0 11008022 N 01/01/32 0 6711902 E11/G02 F 376,000.00 ZZ 360 376,000.00 1 6.750 2,438.73 80 6.500 2,438.73 PLYMOUTH MN 55447 1 12/11/01 00 0433496569 05 02/01/02 0 1 O 01/01/32 0 6713596 286/286 F 120,500.00 ZZ 360 120,296.94 1 6.875 791.60 90 6.625 791.60 TERREBONNE OR 97760 1 10/08/01 12 616875 05 12/01/01 25 616875 O 11/01/31 0 6713598 286/286 F 211,950.00 ZZ 360 211,486.86 1 7.625 1,500.17 90 7.375 1,500.17 FAIRFAX VA 22033 1 10/05/01 11 608806 03 11/01/01 30 608806 O 10/01/31 0 6713600 286/286 F 216,750.00 ZZ 360 216,200.55 1 6.875 1,423.90 85 6.625 1,423.90 1 THE DALLES OR 97058 5 09/26/01 14 539549 05 11/01/01 12 539549 O 10/01/31 0 6713604 286/286 F 127,800.00 ZZ 360 127,533.63 1 7.875 926.64 90 7.625 926.64 STONE MOUNTAIN GA 30083 1 10/03/01 12 562019 05 11/01/01 25 562019 O 10/01/31 0 6713610 286/286 F 162,000.00 ZZ 360 161,740.13 1 7.125 1,091.43 90 6.875 1,091.43 HANSON KY 42413 5 10/05/01 12 596970 05 12/01/01 25 596970 O 11/01/31 0 6713612 286/286 F 175,500.00 ZZ 360 175,204.25 1 6.875 1,152.92 90 6.625 1,152.92 VANCOUVER WA 98683 5 10/02/01 14 582306 05 12/01/01 25 582306 O 11/01/31 0 6713614 286/286 F 40,500.00 ZZ 360 40,413.68 1 7.750 290.15 90 7.500 290.15 AKRON OH 44311 1 10/04/01 11 538587 05 11/01/01 25 538587 N 10/01/31 0 6713616 286/286 F 56,000.00 ZZ 360 55,871.37 1 7.375 386.78 70 7.125 386.78 PRINEVILLE OR 97754 5 09/25/01 00 547377 05 11/01/01 0 547377 N 10/01/31 0 1 6713618 286/286 F 284,500.00 ZZ 360 283,709.06 1 7.875 2,062.83 88 7.625 2,062.83 IRMO SC 29063 5 08/06/01 10 446072 05 10/01/01 25 446072 O 09/01/31 0 6713620 286/286 F 99,000.00 ZZ 240 98,635.78 1 7.375 789.99 87 7.125 789.99 NEWSTEAD NY 14031 5 10/09/01 12 519241 05 12/01/01 12 519241 O 11/01/21 0 6713622 286/286 F 117,000.00 ZZ 360 116,632.06 1 7.000 778.41 85 6.750 778.41 SHOW LOW AZ 85901 5 09/13/01 12 575531 05 11/01/01 12 575531 O 10/01/31 0 6713626 286/286 F 284,500.00 T 360 283,846.53 1 7.375 1,964.98 46 7.125 1,964.98 SOUTH BETHANY DE 19930 2 09/24/01 00 556127 05 11/01/01 0 556127 O 10/01/31 0 6713628 286/286 F 109,000.00 ZZ 240 108,405.75 1 7.500 878.10 88 7.250 878.10 LAWRENCE TOWNSH NJ 08648 5 09/24/01 01 585860 05 11/01/01 25 585860 O 10/01/21 0 6713630 286/286 F 65,000.00 ZZ 360 64,898.27 1 1 7.250 443.42 45 7.000 443.42 SUMMERVILLE SC 29483 5 10/11/01 00 596108 05 12/01/01 0 596108 N 11/01/31 0 6713632 286/286 F 90,000.00 ZZ 360 89,803.32 1 7.625 637.02 75 7.375 637.02 DISTRICT HEIGHT MD 20747 5 10/03/01 00 589704 03 11/01/01 0 589704 N 10/01/31 0 6713636 286/286 F 89,600.00 ZZ 360 89,413.78 1 7.875 649.67 80 7.625 649.67 LAS VEGAS NV 89121 5 09/28/01 00 510881 05 11/01/01 0 510881 N 10/01/31 0 6713638 286/286 F 123,000.00 ZZ 360 122,802.68 1 7.125 828.68 90 6.875 828.68 PITTSBURGH PA 15227 5 10/04/01 10 571529 05 12/01/01 25 571529 O 11/01/31 0 6713640 286/286 F 84,150.00 ZZ 360 83,956.70 2 7.375 581.21 85 7.125 581.21 ST PETERSBURG FL 33702 1 10/05/01 21 608632 05 11/01/01 12 608632 N 10/01/31 0 6713642 286/286 F 200,000.00 ZZ 360 199,551.92 1 7.500 1,398.43 80 7.250 1,398.43 SAN DIEGO CA 92131 5 09/27/01 00 577892 01 11/01/01 0 1 577892 N 10/01/31 0 6713648 286/286 F 300,000.00 ZZ 360 299,333.74 3 7.625 2,123.39 75 7.375 2,123.39 SUMMIT NJ 07901 1 09/27/01 00 463302 05 11/01/01 0 463302 N 10/01/31 0 6713654 286/286 F 72,850.00 ZZ 360 72,709.66 1 8.250 547.30 90 8.000 547.30 MIAMI FL 33183 1 09/27/01 21 576144 01 11/01/01 30 576144 N 10/01/31 0 6713662 286/286 F 88,250.00 ZZ 360 88,058.13 2 7.125 594.56 74 6.875 594.56 MARRIETTA GA 30062 5 10/08/01 00 575643 05 12/01/01 0 575643 N 11/01/31 0 6713664 286/286 F 70,400.00 ZZ 360 70,295.17 1 7.500 492.25 80 7.250 492.25 PRESCOTT VALLEY AZ 86314 5 10/04/01 00 602940 05 12/01/01 0 602940 N 11/01/31 0 6713666 286/286 F 119,000.00 ZZ 360 118,801.52 1 7.000 791.71 89 6.750 791.71 HAMPTON GA 30228 5 10/05/01 11 602211 05 12/01/01 25 602211 O 11/01/31 0 1 6713668 286/286 F 80,910.00 ZZ 360 80,792.50 1 7.625 572.68 90 7.375 572.68 AUBURN IN 46706 5 10/05/01 10 551079 05 12/01/01 25 551079 O 11/01/31 0 6713670 286/286 F 351,900.00 ZZ 360 351,029.59 2 7.000 2,341.20 90 6.750 2,341.20 JERSEY CITY NJ 07302 1 09/21/01 04 513425 05 11/01/01 25 513425 O 10/01/31 0 6713672 286/286 F 153,050.00 ZZ 360 152,792.10 1 6.875 1,005.43 86 6.625 1,005.43 PEMBROKE PINES FL 33029 5 10/10/01 21 589005 03 12/01/01 25 589005 O 11/01/31 0 6713674 286/286 F 118,000.00 ZZ 360 117,661.68 1 6.875 775.18 88 6.625 775.18 MOORESVILLE IN 46158 2 09/28/01 11 573167 05 11/01/01 25 573167 O 10/01/31 0 6713676 286/286 F 87,300.00 ZZ 360 87,078.71 1 6.875 573.50 90 6.625 573.50 TUCSON AZ 85742 1 09/28/01 12 580639 03 11/01/01 25 580639 O 10/01/31 0 6713678 286/286 F 322,500.00 ZZ 360 321,956.56 4 6.875 2,118.60 75 6.625 2,118.60 1 ATLANTA GA 30308 1 10/11/01 00 603812 05 12/01/01 0 603812 N 11/01/31 0 6713682 286/286 F 194,100.00 ZZ 360 193,810.99 1 7.500 1,357.18 74 7.250 1,357.18 DENVER CO 80209 2 10/11/01 00 583970 05 12/01/01 0 583970 N 11/01/31 0 6713686 286/286 F 243,750.00 ZZ 360 243,359.00 1 7.125 1,642.19 75 6.875 1,642.19 CENTREVILLE VA 20121 1 10/10/01 00 630346 03 12/01/01 0 630346 N 11/01/31 0 6713688 286/286 F 103,700.00 ZZ 360 103,461.79 1 7.375 716.24 85 7.125 716.24 PHOENIX AZ 85037 5 09/12/01 12 572466 05 11/01/01 12 572466 O 10/01/31 0 6713690 286/286 F 171,000.00 ZZ 360 170,718.84 1 7.000 1,137.67 90 6.750 1,137.67 WILLOUGHBY OH 44094 5 10/02/01 10 575388 05 12/01/01 25 575388 O 11/01/31 0 6713692 286/286 F 112,410.00 ZZ 360 112,131.95 1 7.000 747.87 90 6.750 747.87 MESA AZ 85215 1 09/25/01 12 589439 03 11/01/01 25 589439 O 10/01/31 0 1 6713694 286/286 F 78,200.00 ZZ 360 78,068.22 1 6.875 513.72 85 6.625 513.72 PENDLETON IN 46064 5 10/11/01 12 593634 05 12/01/01 12 593634 O 11/01/31 0 6713700 286/286 F 192,000.00 ZZ 360 191,387.90 1 7.000 1,277.38 80 6.750 1,277.38 KISSIMMEE FL 34746 1 09/28/01 00 537576 03 11/01/01 0 537576 N 10/01/31 0 6713702 286/286 F 139,500.00 ZZ 360 139,223.76 1 7.250 951.64 90 7.000 951.64 PORTLAND OR 97230 5 10/10/01 14 567404 05 12/01/01 25 567404 O 11/01/31 0 6713704 286/286 F 147,722.00 ZZ 360 147,465.17 1 8.750 1,162.13 80 8.500 1,162.13 MUNDELEIN IL 60060 1 09/17/01 00 534318 01 11/01/01 0 534318 O 10/01/31 0 6713710 286/286 F 132,750.00 ZZ 360 131,943.25 1 7.500 928.21 90 7.250 928.21 LOXAHATCHEE FL 33470 1 08/24/01 21 316248 05 10/01/01 25 316248 O 09/01/31 0 6713712 286/286 F 161,100.00 ZZ 360 160,756.65 2 1 7.750 1,154.15 90 7.500 1,154.15 FRANKLIN NJ 08873 1 09/27/01 10 455364 05 11/01/01 25 455364 N 10/01/31 0 6713714 286/286 F 279,000.00 ZZ 360 275,497.25 1 7.250 1,903.28 90 7.000 1,903.28 NORWALK CT 06851 5 08/27/01 11 542855 05 10/01/01 25 542855 O 09/01/31 0 6713718 286/286 F 133,000.00 ZZ 360 132,806.85 1 7.625 941.37 70 7.375 941.37 WEST PALM BEACH FL 33407 5 10/03/01 00 315684 05 12/01/01 0 315684 N 11/01/31 0 6713722 286/286 F 253,150.00 ZZ 360 252,582.82 1 7.500 1,770.07 97 7.250 1,770.07 SILVER SPRING MD 20910 1 09/14/01 12 533863 05 11/01/01 35 533863 O 10/01/31 0 6713732 286/286 F 162,450.00 ZZ 360 162,182.89 1 7.000 1,080.79 90 6.750 1,080.79 CHEVY CHASE MD 20815 1 10/11/01 10 618205 06 12/01/01 25 618205 N 11/01/31 0 6713738 286/286 F 96,000.00 ZZ 360 95,857.05 1 7.500 671.25 68 7.250 671.25 WOODBRIDGE VA 22192 2 10/11/01 00 572130 03 12/01/01 0 1 572130 N 11/01/31 0 6713740 286/286 F 207,000.00 ZZ 360 206,659.65 1 7.000 1,377.18 90 6.750 1,377.18 DENVER CO 80229 5 10/02/01 12 323271 03 12/01/01 25 323271 O 11/01/31 0 6713742 286/286 F 37,000.00 ZZ 360 36,924.33 1 8.000 271.50 70 7.750 271.50 KANSAS CITY MO 64132 5 10/05/01 00 593808 05 11/01/01 0 593808 N 10/01/31 0 6713744 286/286 F 104,500.00 ZZ 360 104,277.28 2 7.750 748.66 44 7.500 748.66 SPRING VALLEY CA 91977 2 09/21/01 00 569850 05 11/01/01 0 569850 N 10/01/31 0 6713746 286/286 F 62,400.00 ZZ 360 62,229.22 1 7.625 441.67 80 7.375 441.67 TOLEDO OH 43613 2 10/05/01 00 579467 05 12/01/01 0 579467 N 11/01/31 0 6713748 286/286 F 184,000.00 ZZ 360 183,566.77 1 7.250 1,255.21 80 7.000 1,255.21 ASHLAND OR 97520 1 09/06/01 00 553824 05 11/01/01 0 553824 O 10/01/31 0 1 6713750 286/286 F 140,000.00 ZZ 360 139,686.32 4 7.500 978.91 80 7.250 978.91 GULF BREEZE FL 32561 1 10/03/01 00 559900 05 11/01/01 0 559900 N 10/01/31 0 6713752 286/286 F 45,000.00 ZZ 360 44,901.66 1 7.625 318.51 90 7.375 318.51 COLUMBUS OH 43219 2 09/28/01 12 572896 05 11/01/01 25 572896 N 10/01/31 0 6713754 286/286 F 81,000.00 ZZ 360 80,483.98 2 7.750 580.30 64 7.500 580.30 WARSAW IN 46580 5 10/05/01 00 557697 05 12/01/01 0 557697 N 11/01/31 0 6713756 286/286 F 256,000.00 ZZ 360 255,599.37 2 7.250 1,746.38 80 7.000 1,746.38 ATLANTA GA 30318 2 10/11/01 00 576003 05 12/01/01 0 576003 N 11/01/31 0 6713758 286/286 F 44,000.00 ZZ 360 43,921.50 1 8.625 342.23 80 8.375 342.23 ST LOUIS MO 63136 1 09/28/01 00 567477 05 11/01/01 0 567477 N 10/01/31 0 6713760 286/286 F 52,200.00 ZZ 360 52,124.67 1 8.375 396.76 90 8.125 396.76 1 WICHITA KS 67208 1 10/11/01 11 538341 05 12/01/01 25 538341 N 11/01/31 0 6713764 286/286 F 44,000.00 ZZ 360 43,931.14 1 7.250 300.16 79 7.000 300.16 ZANESVILLE OH 43701 2 10/08/01 00 572506 05 12/01/01 0 572506 N 11/01/31 0 6713766 286/286 F 56,000.00 ZZ 360 55,916.60 2 7.500 391.57 79 7.250 391.57 ZANESVILLE OH 43701 2 10/10/01 00 591856 05 12/01/01 0 591856 N 11/01/31 0 6713768 286/286 F 56,000.00 ZZ 360 55,916.60 2 7.500 391.57 79 7.250 391.57 ZANESVILLE OH 43701 2 10/10/01 00 591864 05 12/01/01 0 591864 N 11/01/31 0 6713772 286/286 F 115,200.00 ZZ 360 114,972.39 1 8.125 855.36 87 7.875 855.36 DERBY KS 67037 5 10/01/01 11 573194 05 11/01/01 25 573194 O 10/01/31 0 6713774 286/286 F 157,500.00 ZZ 360 157,073.62 1 7.500 1,101.27 90 7.250 1,101.27 GLENWOOD WA 98619 5 09/11/01 12 267885 05 11/01/01 25 267885 O 10/01/31 0 1 6713776 286/286 F 112,000.00 ZZ 360 111,815.85 1 7.000 745.14 80 6.750 745.14 MEDFORD OR 97504 5 10/08/01 00 588857 05 12/01/01 0 588857 N 11/01/31 0 6713784 286/286 F 115,600.00 ZZ 360 115,409.93 1 7.000 769.09 85 6.750 769.09 FORT WASHINGTON MD 20744 5 10/11/01 11 582071 05 12/01/01 12 582071 O 11/01/31 0 6713786 286/286 F 56,700.00 ZZ 360 56,619.70 1 7.750 406.21 90 7.500 406.21 JACKSONVILLE FL 32204 1 10/05/01 14 594012 05 12/01/01 25 594012 N 11/01/31 0 6713790 286/286 F 232,500.00 ZZ 360 231,924.92 4 7.000 1,546.83 75 6.750 1,546.83 AZUSA CA 91702 2 09/26/01 00 561489 05 11/01/01 0 561489 N 10/01/31 0 6713794 286/286 F 250,700.00 ZZ 360 250,287.80 1 7.000 1,667.92 85 6.750 1,667.92 BUFFALO GROVE IL 60089 5 10/05/01 12 548192 05 12/01/01 12 548192 O 11/01/31 0 6713796 286/286 F 46,575.00 ZZ 360 46,518.36 1 1 8.500 358.13 90 8.250 358.13 ROCKLEDGE FL 32955 1 10/03/01 11 586072 05 12/01/01 25 586072 N 11/01/31 0 6713798 286/286 F 99,000.00 ZZ 360 98,814.95 1 8.500 761.23 90 8.250 761.23 KANSAS CITY MO 64134 5 09/25/01 11 575862 05 11/01/01 25 575862 O 10/01/31 0 6713800 286/286 F 70,000.00 ZZ 360 69,884.89 1 7.000 465.72 84 6.750 465.72 PEORIA IL 61606 5 10/09/01 10 570498 05 12/01/01 12 570498 O 11/01/31 0 6713802 286/286 F 284,500.00 ZZ 360 283,647.48 1 7.500 1,989.27 67 7.250 1,989.27 VIRGINIA BEACH VA 23451 1 08/24/01 00 455249 01 10/01/01 0 455249 N 09/01/31 0 6713806 286/286 F 141,000.00 ZZ 360 140,768.17 1 7.000 938.08 83 6.750 938.08 SHELBY TWP MI 48317 5 10/09/01 10 571813 05 12/01/01 12 571813 O 11/01/31 0 6713810 286/286 F 193,500.00 ZZ 360 193,173.93 1 6.875 1,271.16 88 6.625 1,271.16 DENVER CO 80207 5 10/09/01 21 590947 05 12/01/01 25 1 590947 O 11/01/31 0 6713814 286/286 F 170,000.00 ZZ 360 169,569.08 1 6.875 1,116.78 70 6.625 1,116.78 SAN GABRIEL CA 91776 2 09/25/01 00 585960 05 11/01/01 0 585960 N 10/01/31 0 6713818 286/286 F 200,000.00 ZZ 360 199,687.02 1 7.250 1,364.35 80 7.000 1,364.35 ALTAMONTE SPRIN FL 32701 2 10/01/01 00 588996 05 12/01/01 0 588996 O 11/01/31 0 6713820 286/286 F 56,000.00 ZZ 360 55,884.98 1 6.875 367.89 78 6.625 367.89 LOUISVILLE KY 40204 5 10/10/01 00 555159 05 12/01/01 0 555159 N 11/01/31 0 6713822 286/286 F 80,000.00 ZZ 360 79,756.84 1 6.875 525.55 84 6.625 525.55 ALBUQUERQUE NM 87121 5 09/24/01 21 323119 05 11/01/01 12 323119 O 10/01/31 0 6713824 286/286 F 69,300.00 ZZ 360 69,201.85 1 7.750 496.48 90 7.500 496.48 LAKE WORTH FL 33462 1 10/10/01 21 584314 01 12/01/01 30 584314 O 11/01/31 0 1 6713826 286/286 F 245,000.00 ZZ 360 244,606.97 1 7.125 1,650.62 70 6.875 1,650.62 LAS VEGAS NV 89118 5 10/08/01 00 618771 05 12/01/01 0 618771 N 11/01/31 0 6713828 286/286 F 167,000.00 ZZ 360 166,576.66 1 6.875 1,097.08 82 6.625 1,097.08 SAN DIEGO CA 92113 5 10/01/01 12 573058 05 11/01/01 25 573058 O 10/01/31 0 6713830 286/286 F 73,950.00 ZZ 360 73,803.88 2 8.125 549.08 85 7.875 549.08 KANSAS CITY KS 66112 5 10/02/01 11 534013 05 11/01/01 12 534013 N 10/01/31 0 6713834 286/286 F 117,000.00 ZZ 240 116,322.26 1 7.000 907.10 90 6.750 907.10 INDIANAPOLIS IN 46220 5 09/28/01 12 589139 05 11/01/01 25 589139 O 10/01/21 0 6713836 286/286 F 284,500.00 ZZ 360 283,830.12 1 7.250 1,940.80 73 7.000 1,940.80 PARKER CO 80134 2 09/06/01 00 322901 03 11/01/01 0 322901 O 10/01/31 0 6713838 286/286 F 71,250.00 ZZ 360 71,143.91 1 7.500 498.19 75 7.250 498.19 1 NEWARK OH 43055 2 10/11/01 00 569756 05 12/01/01 0 569756 N 11/01/31 0 6713840 286/286 F 120,000.00 ZZ 360 119,415.57 1 7.375 828.82 53 7.125 828.82 MARRIOTTSVILLE MD 21104 2 10/10/01 00 511171 05 12/01/01 0 511171 N 11/01/31 0 6713842 286/286 F 210,000.00 ZZ 360 209,679.42 3 7.375 1,450.42 70 7.125 1,450.42 SALEM MA 01970 2 10/09/01 00 582397 05 12/01/01 0 582397 N 11/01/31 0 6713844 286/286 F 203,000.00 ZZ 360 202,690.09 3 7.375 1,402.08 70 7.125 1,402.08 SALEM MA 01970 5 10/09/01 00 582235 05 12/01/01 0 582235 N 11/01/31 0 6713846 286/286 F 228,750.00 ZZ 360 228,400.81 4 7.375 1,579.92 75 7.125 1,579.92 SALEM MA 01970 2 10/09/01 00 582429 05 12/01/01 0 582429 N 11/01/31 0 6713848 286/286 F 231,000.00 ZZ 360 230,647.38 4 7.375 1,595.46 70 7.125 1,595.46 PEABODY MA 01960 5 10/09/01 00 582410 05 12/01/01 0 582410 N 11/01/31 0 1 6713850 286/286 F 284,500.00 ZZ 360 283,626.02 1 7.375 1,964.98 89 7.125 1,964.98 MANTUA NJ 08051 5 08/07/01 04 514790 05 10/01/01 25 514790 O 09/01/31 0 6713856 286/286 F 121,050.00 ZZ 360 120,860.55 1 7.250 825.78 90 7.000 825.78 AUSTIN TX 78731 1 10/09/01 11 582880 01 12/01/01 25 582880 N 11/01/31 0 6713862 286/286 F 144,000.00 ZZ 360 143,763.23 1 7.000 958.04 56 6.750 958.04 SCOTTSDALE AZ 85262 2 10/02/01 00 368234 03 12/01/01 0 368234 N 11/01/31 0 6713864 286/286 F 44,100.00 ZZ 360 44,001.18 1 7.500 308.36 90 7.250 308.36 MARY ESTHER FL 32569 1 10/04/01 12 587694 03 11/01/01 25 587694 N 10/01/31 0 6713866 286/286 F 83,000.00 ZZ 360 82,870.11 1 7.250 566.21 58 7.000 566.21 DENVER CO 80231 2 10/25/01 00 582684 03 12/01/01 0 582684 N 11/01/31 0 6713868 286/286 F 77,000.00 ZZ 360 76,888.17 4 1 7.625 545.01 70 7.375 545.01 DAYTONA BEACH FL 32118 5 10/05/01 00 593564 05 12/01/01 0 593564 N 11/01/31 0 6713870 286/286 F 300,000.00 ZZ 360 299,327.87 4 7.500 2,097.65 68 7.250 2,097.65 ROXBURY MA 02119 5 10/02/01 00 564354 05 11/01/01 0 564354 N 10/01/31 0 6713872 286/286 F 127,800.00 ZZ 360 127,599.99 1 7.250 871.83 90 7.000 871.83 TUCSON AZ 85704 1 10/05/01 12 610432 05 12/01/01 25 610432 N 11/01/31 0 6713874 286/286 F 85,000.00 ZZ 360 84,789.75 1 7.000 565.51 71 6.750 565.51 CHESTERFIELD MO 63017 2 10/03/01 00 553845 01 11/01/01 0 553845 N 10/01/31 0 6713878 286/286 F 153,000.00 ZZ 360 152,621.38 1 7.000 1,017.92 90 6.750 1,017.92 WASHINGTON TOWN NJ 08012 5 09/26/01 14 556942 05 11/01/01 25 556942 O 10/01/31 0 6713880 286/286 F 224,000.00 ZZ 360 223,432.17 1 6.875 1,471.53 72 6.625 1,471.53 CARLSBAD CA 92009 1 09/25/01 00 572238 02 11/01/01 0 1 572238 O 10/01/31 0 6713882 286/286 F 63,750.00 ZZ 360 63,659.71 1 7.750 456.72 75 7.500 456.72 CLEVELAND OH 44111 5 10/05/01 00 501278 05 12/01/01 0 501278 N 11/01/31 0 6713884 286/286 F 63,750.00 ZZ 360 63,659.71 1 7.750 456.72 75 7.500 456.72 CLEVELAND OH 44111 5 10/05/01 00 501284 05 12/01/01 0 501284 N 11/01/31 0 6713886 286/286 F 71,250.00 ZZ 360 71,149.09 1 7.750 510.45 75 7.500 510.45 CLEVELAND OH 44111 5 10/05/01 00 501263 05 12/01/01 0 501263 N 11/01/31 0 6713888 286/286 F 112,500.00 ZZ 360 112,266.18 1 7.875 815.71 90 7.625 815.71 BLOOMINGTON IN 47403 1 09/28/01 12 590838 05 11/01/01 25 590838 N 10/01/31 0 6713890 286/286 F 120,000.00 ZZ 360 119,731.14 4 7.500 839.06 50 7.250 839.06 ELK GROVE CA 95624 1 09/10/01 00 520154 05 11/01/01 0 520154 N 10/01/31 0 1 6713892 286/286 F 47,000.00 ZZ 360 46,880.85 1 6.875 308.76 33 6.625 308.76 KENNESAW GA 30152 1 09/18/01 00 537622 03 11/01/01 0 537622 N 10/01/31 0 6713894 286/286 F 84,720.00 ZZ 360 84,543.86 1 7.875 614.28 80 7.625 614.28 CHICAGO IL 60640 1 09/28/01 00 584776 06 11/01/01 0 584776 N 10/01/31 0 6713896 286/286 F 82,450.00 ZZ 360 82,311.06 1 6.875 541.64 97 6.625 541.64 BRIDGE CITY TX 77611 1 10/09/01 11 578689 05 12/01/01 35 578689 O 11/01/31 0 6713904 286/286 F 121,500.00 ZZ 360 121,206.78 1 7.125 818.57 90 6.875 818.57 CHANDLER AZ 85225 1 09/24/01 11 516983 03 11/01/01 25 516983 N 10/01/31 0 6713906 286/286 F 145,800.00 ZZ 360 145,566.11 1 7.125 982.29 90 6.875 982.29 SLATINGTON PA 18080 5 10/09/01 12 566388 05 12/01/01 25 566388 O 11/01/31 0 6713910 286/286 F 72,000.00 ZZ 360 71,834.61 1 7.375 497.29 90 7.125 497.29 1 KANSAS CITY KS 66112 5 09/27/01 11 575872 05 11/01/01 25 575872 O 10/01/31 0 6713912 286/286 F 117,000.00 ZZ 360 116,802.84 1 6.875 768.61 90 6.625 768.61 ANDERSON IN 46012 5 10/05/01 11 579671 05 12/01/01 25 579671 O 11/01/31 0 6713914 286/286 F 100,000.00 ZZ 360 99,764.55 2 7.250 682.18 65 7.000 682.18 CHICAGO IL 60644 5 09/28/01 00 587722 05 11/01/01 0 587722 N 10/01/31 0 6713916 286/286 F 149,200.00 ZZ 360 148,830.93 1 7.000 992.64 80 6.750 992.64 CHANDLER AZ 85226 1 09/18/01 00 572647 05 11/01/01 0 572647 O 10/01/31 0 6713918 286/286 F 154,000.00 ZZ 360 152,529.35 1 7.125 1,037.53 70 6.875 1,037.53 ISLAND PARK NY 11558 5 10/11/01 00 432567 05 12/01/01 0 432567 N 11/01/31 0 6713920 286/286 F 77,419.00 ZZ 360 77,297.83 1 7.250 528.14 70 7.000 528.14 AURORA IL 60505 1 10/10/01 00 575416 05 12/01/01 0 575416 N 11/01/31 0 1 6713926 286/286 F 75,000.00 ZZ 360 74,876.68 1 7.000 498.98 66 6.750 498.98 MIAMI FL 33143 1 10/01/01 00 593391 05 12/01/01 0 593391 N 11/01/31 0 6713928 286/286 F 152,100.00 ZZ 360 151,723.77 1 7.000 1,011.93 90 6.750 1,011.93 MIAMI FL 33165 5 09/24/01 21 568240 05 11/01/01 25 568240 O 10/01/31 0 6713930 286/286 F 148,850.00 ZZ 360 148,605.25 4 7.000 990.31 75 6.750 990.31 TUCSON AZ 85719 1 10/08/01 00 508111 05 12/01/01 0 508111 N 11/01/31 0 6713932 286/286 F 210,000.00 ZZ 360 209,687.31 4 7.500 1,468.36 70 7.250 1,468.36 CHICAGO IL 60615 5 10/09/01 00 595017 05 12/01/01 0 595017 N 11/01/31 0 6713936 286/286 F 80,100.00 ZZ 360 79,951.97 1 8.000 587.75 90 7.750 587.75 FT LAUDERDALE FL 33304 1 10/04/01 21 601731 05 12/01/01 25 601731 N 11/01/31 0 6713938 286/286 F 247,500.00 ZZ 360 246,931.51 1 1 7.375 1,709.43 89 7.125 1,709.43 BERNARDS TWP. NJ 07920 5 09/28/01 04 565686 01 11/01/01 25 565686 O 10/01/31 0 6713940 286/286 F 63,050.00 ZZ 360 62,853.45 1 7.375 435.48 97 7.125 435.48 HOUSTON TX 77053 1 09/28/01 12 588772 03 11/01/01 35 588772 O 10/01/31 0 6713942 286/286 F 86,000.00 ZZ 360 85,871.94 2 7.500 601.33 53 7.250 601.33 HOLLAND MI 49424 5 10/08/01 00 102084 05 12/01/01 0 102084 N 11/01/31 0 6713944 286/286 F 73,700.00 ZZ 360 73,562.29 1 8.500 566.69 90 8.250 566.69 ROSELLE NJ 07203 1 10/05/01 12 546128 05 11/01/01 25 546128 N 10/01/31 0 6713946 286/286 F 120,000.00 ZZ 360 119,731.14 2 7.500 839.06 63 7.250 839.06 DENVER CO 80219 5 09/28/01 00 323182 05 11/01/01 0 323182 N 10/01/31 0 6713948 286/286 F 42,300.00 ZZ 360 42,241.57 1 7.875 306.71 90 7.625 306.71 SPRINGFIELD OH 45506 1 10/05/01 12 583683 05 12/01/01 25 1 583683 N 11/01/31 0 6713956 286/286 F 100,300.00 ZZ 360 100,121.05 1 8.625 780.13 85 8.375 780.13 ST CHARLES MO 63301 5 09/07/01 11 531535 05 11/01/01 12 531535 N 10/01/31 0 6713958 286/286 F 284,500.00 ZZ 360 283,581.82 1 7.125 1,916.73 77 6.875 1,916.73 ALISO VIEJO CA 92656 1 08/01/01 00 295650 01 10/01/01 0 295650 O 09/01/31 0 6713960 286/286 F 280,000.00 ZZ 360 279,550.83 2 7.125 1,886.42 66 6.875 1,886.42 CLIFFSIDE PARK NJ 07010 2 09/27/01 00 583145 05 12/01/01 0 583145 O 11/01/31 0 6713962 286/286 F 104,000.00 ZZ 240 103,599.53 2 7.000 806.32 80 6.750 806.32 DOVER PA 17315 1 10/09/01 00 554519 05 12/01/01 0 554519 N 11/01/21 0 6713964 286/286 F 100,000.00 ZZ 360 99,775.95 1 7.500 699.22 40 7.250 699.22 PRESCOTT AZ 86301 1 09/27/01 00 566927 05 11/01/01 0 566927 N 10/01/31 0 1 6713968 286/286 F 94,800.00 ZZ 360 94,655.28 1 7.375 654.76 80 7.125 654.76 TUCSON AZ 85718 1 10/02/01 00 593309 01 12/01/01 0 593309 O 11/01/31 0 6713972 286/286 F 69,000.00 ZZ 360 68,899.80 1 7.625 488.38 75 7.375 488.38 GASTONIA NC 28052 5 10/09/01 00 561793 05 12/01/01 0 561793 N 11/01/31 0 6713974 286/286 F 36,900.00 ZZ 360 36,828.92 1 8.250 277.22 90 8.000 277.22 CRAWFORDSVILLE IN 47933 1 09/28/01 11 568030 05 11/01/01 25 568030 N 10/01/31 0 6713976 286/286 F 191,000.00 ZZ 360 190,468.99 1 7.875 1,384.89 85 7.625 1,384.89 WYNCOTE PA 19095 5 10/04/01 10 578914 05 12/01/01 25 578914 O 11/01/31 0 6713978 286/286 F 44,550.00 ZZ 360 44,438.15 1 7.875 323.02 90 7.625 323.02 PHILADELPHIA PA 19125 1 10/05/01 12 568534 05 12/01/01 25 568534 N 11/01/31 0 6713980 286/286 F 140,400.00 ZZ 360 140,174.77 1 7.125 945.91 90 6.875 945.91 1 ALEXANDRIA VA 22304 1 10/10/01 10 584741 06 12/01/01 25 584741 N 11/01/31 0 6713982 286/286 F 68,000.00 ZZ 360 67,901.25 1 7.625 481.30 80 7.375 481.30 AKRON OH 44319 2 10/04/01 00 580679 05 12/01/01 0 580679 N 11/01/31 0 6713984 286/286 F 40,500.00 ZZ 360 40,398.99 1 7.750 290.15 90 7.500 290.15 INDIANAPOLIS IN 46218 1 10/05/01 12 591239 03 11/01/01 25 591239 N 10/01/31 0 6713986 286/286 F 90,900.00 ZZ 360 90,750.55 1 7.000 604.76 85 6.750 604.76 MIDDLETOWN IL 62666 5 10/01/01 10 566590 05 12/01/01 12 566590 O 11/01/31 0 6713988 286/286 F 61,110.00 ZZ 360 61,031.79 1 8.250 459.10 90 8.000 459.10 APOPKA FL 32712 1 10/03/01 11 576733 05 12/01/01 25 576733 N 11/01/31 0 6713990 286/286 F 118,150.00 ZZ 360 117,857.78 1 7.000 786.05 85 6.750 786.05 GLENDALE AZ 85302 5 09/21/01 12 588726 05 11/01/01 12 588726 O 10/01/31 0 1 6713992 286/286 F 159,100.00 ZZ 360 158,734.56 1 7.375 1,098.87 90 7.125 1,098.87 LA PUENTE CA 91744 1 09/25/01 12 587254 05 11/01/01 25 587254 O 10/01/31 0 6713996 286/286 F 165,000.00 ZZ 360 164,741.78 1 7.250 1,125.60 75 7.000 1,125.60 OCEANSIDE CA 92057 5 10/01/01 00 512861 05 12/01/01 0 512861 N 11/01/31 0 6713998 286/286 F 135,000.00 ZZ 360 134,783.42 1 7.125 909.53 87 6.875 909.53 PUEBLO WEST CO 81007 5 10/11/01 11 610925 05 12/01/01 25 610925 O 11/01/31 0 6714000 286/286 F 92,000.00 ZZ 360 91,844.96 1 6.875 604.38 84 6.625 604.38 HOLLAND MI 49423 5 10/05/01 10 581076 05 12/01/01 12 581076 O 11/01/31 0 6714002 286/286 F 169,500.00 ZZ 360 169,110.71 4 7.375 1,170.69 75 7.125 1,170.69 MILWAUKEE WI 53222 1 10/03/01 00 579739 05 11/01/01 0 579739 N 10/01/31 0 6714004 286/286 F 164,000.00 ZZ 360 163,755.82 1 1 7.500 1,146.71 75 7.250 1,146.71 BERWYN IL 60402 5 10/03/01 00 569821 05 12/01/01 0 569821 N 11/01/31 0 6714008 286/286 F 147,925.00 ZZ 360 147,593.57 1 7.500 1,034.32 97 7.250 1,034.32 CAROL STREAM IL 60188 1 09/26/01 12 553919 07 11/01/01 35 553919 O 10/01/31 0 6714010 286/286 F 135,000.00 ZZ 360 134,798.99 1 7.500 943.94 90 7.250 943.94 LOS ANGELES CA 90044 5 10/05/01 11 544240 05 12/01/01 25 544240 O 11/01/31 0 6714012 286/286 F 155,200.00 ZZ 360 154,858.57 2 7.625 1,098.50 80 7.375 1,098.50 PENSACOLA BEACH FL 32561 1 10/03/01 00 559703 06 11/01/01 0 559703 N 10/01/31 0 6714014 286/286 F 80,000.00 ZZ 360 79,823.65 1 7.625 566.24 66 7.375 566.24 PENSACOLA BEACH FL 32561 5 10/03/01 00 559669 01 11/01/01 0 559669 N 10/01/31 0 6714016 286/286 F 99,450.00 ZZ 360 98,882.09 1 7.250 678.43 85 7.000 678.43 PRESCOTT VALLEY AZ 86314 5 08/24/01 12 541958 05 10/01/01 12 1 541958 O 09/01/31 0 6714020 286/286 F 153,000.00 ZZ 360 152,772.19 1 7.500 1,069.80 90 7.250 1,069.80 BRANSON MO 65616 5 10/02/01 11 568498 05 12/01/01 25 568498 O 11/01/31 0 6714022 286/286 F 99,200.00 ZZ 360 98,966.44 1 7.250 676.72 80 7.000 676.72 MESA AZ 85201 1 09/24/01 00 567389 03 11/01/01 0 567389 N 10/01/31 0 6714026 286/286 F 38,800.00 ZZ 360 38,736.20 1 7.000 258.14 80 6.750 258.14 HAMMOND IN 46323 1 10/05/01 00 580927 05 12/01/01 0 580927 N 11/01/31 0 6714028 286/286 F 126,900.00 ZZ 360 126,696.44 1 7.125 854.95 77 6.875 854.95 DEALE MD 20751 2 10/10/01 00 540743 05 12/01/01 0 540743 O 11/01/31 0 6714032 286/286 F 189,900.00 ZZ 360 189,418.63 1 6.875 1,247.51 90 6.625 1,247.51 TUSTIN CA 92780 1 09/25/01 12 559524 05 11/01/01 25 559524 O 10/01/31 0 1 6714036 286/286 F 34,000.00 ZZ 360 33,956.41 2 8.250 255.44 70 8.000 255.44 EVANSVILLE IN 47713 5 10/11/01 00 596986 05 12/01/01 0 596986 N 11/01/31 0 6714038 286/286 F 63,000.00 ZZ 360 62,874.49 1 7.500 440.51 84 7.250 440.51 KENTLAND IN 47951 5 10/11/01 12 588689 05 12/01/01 12 588689 O 11/01/31 0 6714040 286/286 F 99,000.00 ZZ 360 98,837.23 1 7.000 658.65 65 6.750 658.65 DENVER CO 80231 2 10/11/01 00 579928 01 12/01/01 0 579928 N 11/01/31 0 6714044 286/286 F 150,000.00 ZZ 360 149,776.66 1 7.500 1,048.82 74 7.250 1,048.82 CHARDON OH 44024 2 10/10/01 00 558698 05 12/01/01 0 558698 N 11/01/31 0 6715414 M27/G02 F 179,500.00 ZZ 360 179,500.00 1 6.625 1,149.36 53 6.375 1,149.36 WILMINGTON NC 28403 2 12/04/01 00 0433491024 03 02/01/02 0 600711082 O 01/01/32 0 6716144 U45/G02 F 36,000.00 ZZ 360 36,000.00 1 8.000 264.16 80 7.750 264.16 1 SAN ANTONIO TX 78242 1 12/11/01 00 0433545332 05 02/01/02 0 1 N 01/01/32 0 6716968 U05/G02 F 84,000.00 ZZ 360 83,943.64 1 8.000 616.36 90 7.750 616.36 PINECREST FL 33156 1 12/03/01 01 0433500626 01 01/01/02 25 3183949 N 12/01/31 0 6717206 N47/G02 F 480,000.00 ZZ 360 480,000.00 1 7.000 3,193.45 63 6.750 3,193.45 CHARLESTON SC 29407 5 12/10/01 00 0433489093 05 02/01/02 0 0200002 O 01/01/32 0 6717264 Q59/G02 F 229,500.00 ZZ 360 229,500.00 4 8.125 1,704.03 90 7.875 1,704.03 MONTCLAIR CA 91763 1 12/11/01 04 0433523370 05 02/01/02 25 304536 N 01/01/32 0 6717418 E23/G02 F 595,000.00 ZZ 360 594,535.84 4 7.250 4,058.95 70 7.000 4,058.95 LOS ANGELES CA 90048 2 11/21/01 00 0433460599 05 01/01/02 0 51009440 N 12/01/31 0 6717686 T90/G02 F 34,800.00 ZZ 360 34,775.44 1 7.750 249.31 80 7.500 249.31 FRANKLIN TN 37064 1 11/30/01 00 0433459419 01 01/01/02 0 62892 N 12/01/31 0 1 6718116 Q99/G02 F 488,750.00 ZZ 360 488,750.00 1 8.000 3,586.27 85 7.750 3,586.27 HUME VA 22639 5 12/05/01 14 0433432929 05 02/01/02 12 157380748 O 01/01/32 0 6718644 477/G02 F 110,500.00 ZZ 360 110,433.06 4 8.500 849.65 63 8.250 849.65 PHOENIX AZ 85004 5 11/30/01 00 0433527728 05 01/01/02 0 107235 N 12/01/31 0 6719858 N47/G02 F 225,000.00 ZZ 360 225,000.00 1 7.375 1,554.02 63 7.125 1,554.02 MARINA CA 93933 5 12/03/01 00 0433501863 05 02/01/02 0 20112518 O 01/01/32 0 6720648 696/G02 F 346,500.00 ZZ 360 346,208.90 1 6.875 2,276.26 70 6.625 2,276.26 BETHESDA MD 20817 5 11/20/01 00 0433485885 05 01/01/02 0 32201278 O 12/01/31 0 6720942 H22/G02 F 516,000.00 ZZ 360 516,000.00 1 6.875 3,389.75 80 6.625 3,389.75 RANDOLPH NJ 07869 1 12/06/01 00 0433528270 05 02/01/02 0 0111059 O 01/01/32 0 6723284 E47/G02 F 389,500.00 ZZ 360 389,500.00 1 1 8.125 2,892.03 95 7.875 2,892.03 SAN JOSE CA 95122 1 12/04/01 11 0433539236 05 02/01/02 30 7333011767 O 01/01/32 0 6724482 M18/G02 F 163,500.00 ZZ 360 163,500.00 1 7.375 1,129.25 70 7.125 1,129.25 SANTA ANA CA 92706 5 12/06/01 00 0433514882 05 02/01/02 0 980101522 O 01/01/32 0 6725836 X05/G02 F 128,000.00 ZZ 360 128,000.00 1 6.875 840.87 74 6.625 840.87 CHULA VISTA CA 91910 5 11/28/01 00 0433444882 05 02/01/02 0 01111262 O 01/01/32 0 6731086 822/G02 F 178,000.00 ZZ 360 177,721.44 1 7.250 1,214.28 80 7.000 1,214.28 CRANSTON RI 02920 5 10/26/01 00 0433454733 05 12/01/01 0 3806037663 O 11/01/31 0 6731180 E82/G02 F 72,100.00 ZZ 360 71,650.95 1 6.750 467.64 45 6.500 467.64 MANSFIELD TX 76063 2 11/19/01 00 0400518544 05 01/01/02 0 0400518544 O 12/01/31 0 6731202 E82/G02 F 153,700.00 ZZ 360 153,574.01 1 7.000 1,022.57 65 6.750 1,022.57 MONTAUK NY 11954 2 11/26/01 00 0400516027 05 01/01/02 0 1 1560269 O 12/01/31 0 6731204 E82/G02 F 81,650.00 ZZ 360 81,650.00 1 6.750 529.58 41 6.500 529.58 ALEXANDRIA VA 22307 2 11/30/01 00 0400537411 05 02/01/02 0 0400537411 N 01/01/32 0 6731234 E82/G02 F 122,400.00 ZZ 360 121,915.77 1 7.875 887.48 90 7.625 887.48 LEOLA PA 17540 1 11/23/01 04 0400508115 05 01/01/02 25 0400508115 O 12/01/31 0 6731276 E82/G02 F 75,100.00 ZZ 360 75,036.91 1 6.875 493.35 65 6.625 493.35 LAS VEGAS NV 89113 2 11/20/01 00 0400539342 05 01/01/02 0 1543066 N 12/01/31 0 6731282 E82/G02 F 135,500.00 ZZ 360 135,409.08 4 8.000 994.25 83 7.750 994.25 CHICAGO IL 60629 2 11/27/01 04 0400464392 07 01/01/02 12 1957320 N 12/01/31 0 6731286 E82/G02 F 69,500.00 ZZ 360 69,437.17 2 6.500 439.29 35 6.250 439.29 ANN ARBOR MI 48104 2 11/30/01 00 0400531174 05 01/01/02 0 0400531174 N 12/01/31 0 1 6731288 E82/G02 F 80,400.00 ZZ 360 80,327.32 2 6.500 508.18 41 6.250 508.18 ANN ARBOR MI 48104 2 11/30/01 00 0400531190 05 01/01/02 0 0400531190 N 12/01/31 0 6731290 E82/G02 F 123,500.00 ZZ 360 123,393.67 1 6.750 801.02 69 6.500 801.02 GRANTS PASS OR 97527 2 11/16/01 00 0400514592 05 01/01/02 0 1859281 O 12/01/31 0 6732134 Q41/G02 F 138,825.00 ZZ 360 138,825.00 2 8.625 1,079.77 88 8.375 1,079.77 IRVING TX 75061 1 12/14/01 11 0433506763 05 02/01/02 25 51031867 N 01/01/32 0 6732528 E22/G02 F 274,500.00 ZZ 360 274,301.33 4 7.625 1,942.89 90 7.375 1,942.89 WELLINGTON FL 33414 1 11/28/01 01 0412982548 05 01/01/02 25 0412982548 N 12/01/31 0 6732548 E22/G02 F 383,759.00 ZZ 360 383,436.60 4 6.875 2,521.02 84 6.625 2,521.02 SEATTLE WA 98105 2 11/13/01 11 0413078031 05 01/01/02 12 0413078031 O 12/01/31 0 6732584 E22/G02 F 248,000.00 ZZ 360 247,781.20 1 6.625 1,587.97 80 6.375 1,587.97 1 DECATUR TX 76234 1 11/28/01 00 0413204413 05 01/01/02 0 0413204413 O 12/01/31 0 6732612 E22/G02 F 126,900.00 ZZ 360 126,805.83 1 7.500 887.30 90 7.250 887.30 FAYETTEVILLE GA 30215 5 11/20/01 01 0413226143 05 01/01/02 25 0413226143 O 12/01/31 0 6732642 E22/G02 F 180,000.00 ZZ 360 179,859.58 1 7.250 1,227.92 90 7.000 1,227.92 FORNEY TX 75126 1 11/28/01 01 0413252826 03 01/01/02 30 0413252826 O 12/01/31 0 6732644 E22/G02 F 62,000.00 ZZ 360 61,959.44 1 8.125 460.35 90 7.875 460.35 GEORGETOWN TX 78626 1 11/27/01 04 0413254178 05 01/01/02 25 0413254178 N 12/01/31 0 6732674 E22/G02 F 62,000.00 ZZ 360 61,957.34 1 7.875 449.54 69 7.625 449.54 SWEET HOME OR 97386 5 11/14/01 00 0413290347 05 01/01/02 0 0413290347 N 12/01/31 0 6732706 E22/G02 F 59,250.00 ZZ 360 59,210.24 1 8.000 434.76 75 7.750 434.76 EAST SYRACUSE NY 13057 5 11/29/01 00 0413309840 05 01/01/02 0 0413309840 N 12/01/31 0 1 6732724 E22/G02 F 150,000.00 ZZ 360 149,867.66 1 6.625 960.47 75 6.375 960.47 RAYMORE MO 64083 1 11/27/01 00 0413332859 03 01/01/02 0 0413332859 O 12/01/31 0 6732726 E22/G02 F 120,000.00 ZZ 360 119,901.64 1 7.000 798.36 80 6.750 798.36 RAYMORE MO 64083 1 11/27/01 00 0413333261 03 01/01/02 0 0413333261 O 12/01/31 0 6733596 P44/G02 F 103,920.00 ZZ 360 103,840.92 1 7.375 717.75 80 7.125 717.75 FALMOUTH (EAST) MA 02536 1 11/16/01 00 0433455151 05 01/01/02 0 1 N 12/01/31 0 6733682 P67/G02 F 195,000.00 ZZ 360 195,000.00 1 6.750 1,264.77 74 6.500 1,264.77 REVERE MA 02151 5 12/19/01 00 0433542891 05 02/01/02 0 1 O 01/01/32 0 6733776 Q99/G02 F 390,000.00 ZZ 360 390,000.00 1 7.000 2,594.68 68 6.750 2,594.68 ALEXANDRIA VA 22302 5 12/07/01 00 0433486925 05 02/01/02 0 1 O 01/01/32 0 6736112 F89/G02 F 350,000.00 ZZ 360 350,000.00 1 1 6.375 2,183.54 50 6.125 2,183.54 PACIFIC PALISAD CA 90272 2 12/05/01 00 0433496148 05 02/01/02 0 12915560 O 01/01/32 0 6736566 W39/G02 F 78,000.00 ZZ 360 78,000.00 1 8.375 592.86 80 8.125 592.86 MANDEVILLE LA 70448 1 12/04/01 00 0433475043 05 02/01/02 0 992471 N 01/01/32 0 6737582 721/G02 F 419,250.00 ZZ 360 418,671.04 1 7.875 3,039.86 70 7.625 3,039.86 COLORADO SPRING CO 80906 5 11/01/01 00 0433461340 05 12/01/01 0 7884084703 O 11/01/31 0 6740058 T90/G02 F 33,600.00 ZZ 360 33,600.00 1 8.250 252.43 80 8.000 252.43 FRANKLIN TN 37064 1 12/06/01 00 0433504156 01 02/01/02 0 64342 N 01/01/32 0 6740266 313/G02 F 177,300.00 ZZ 360 177,161.69 1 7.250 1,209.50 90 7.000 1,209.50 MIAMI FL 33177 1 11/16/01 11 0433409240 05 01/01/02 25 0008446072 O 12/01/31 0 6741048 K30/G02 F 275,000.00 ZZ 360 274,763.24 1 6.750 1,783.64 74 6.500 1,783.64 GRAND JUNCTION CO 81503 5 11/13/01 00 0433457322 03 01/01/02 0 1 0082100 O 12/01/31 0 6741328 696/G02 F 384,900.00 ZZ 360 384,592.20 1 7.125 2,593.14 80 6.875 2,593.14 LAYTONSVILLE MD 20882 1 11/26/01 00 0433472024 03 01/01/02 0 30501196 O 12/01/31 0 6741336 696/G02 F 484,000.00 ZZ 360 483,612.95 1 7.125 3,260.80 77 6.875 3,260.80 WASHINGTON DC 20036 2 11/20/01 00 0433457355 05 01/01/02 0 25601276 O 12/01/31 0 6742884 069/G02 F 390,000.00 ZZ 360 390,000.00 1 7.250 2,660.49 67 7.000 2,660.49 NEWHALL CA 91321 1 12/09/01 00 0433521127 05 02/01/02 0 88239561 O 01/01/32 0 6744396 U05/G02 F 78,000.00 ZZ 360 77,934.48 1 6.875 512.40 70 6.625 512.40 CHICAGO IL 60616 5 11/05/01 00 0433435914 05 01/01/02 0 9177541 O 12/01/31 0 6746974 830/G02 F 191,000.00 ZZ 360 180,809.86 4 7.750 1,368.35 85 7.500 1,368.35 WEST VALLEY CIT UT 84119 2 12/07/01 14 0433549276 05 01/01/02 25 LARSEN546323 N 12/01/31 0 1 6747058 G13/G02 F 135,150.00 ZZ 360 135,036.46 1 6.875 887.84 85 6.625 887.84 INDIO CA 92201 2 11/15/01 26 0433440344 05 01/01/02 12 0082165 O 12/01/31 0 6747512 E23/G02 F 224,000.00 ZZ 360 224,000.00 1 7.250 1,528.07 80 7.000 1,528.07 CORONA CA 92881 5 12/05/01 00 0433532355 05 02/01/02 0 51009322 O 01/01/32 0 6749094 S48/S48 F 95,000.00 ZZ 360 94,843.80 1 7.000 632.04 100 6.750 632.04 GREENSBORO NC 27406 1 10/30/01 14 6038328701 05 12/01/01 35 6038328701 O 11/01/31 0 6749096 S48/S48 F 146,000.00 ZZ 360 145,759.94 1 7.000 971.35 100 6.750 971.35 SAN MARCOS CA 92069 1 10/30/01 14 6050485314 01 12/01/01 35 6050485314 O 11/01/31 0 6749098 S48/S48 F 84,950.00 ZZ 360 84,810.32 1 7.000 565.18 100 6.750 565.18 SIOUX CITY IA 51106 1 10/30/01 14 6054711707 05 12/01/01 35 6054711707 O 11/01/31 0 6749106 S48/S48 F 148,000.00 ZZ 360 147,878.68 1 7.000 984.65 99 6.750 984.65 1 GREENBRIER AR 72058 1 11/16/01 14 6097959529 05 01/01/02 35 6097959529 O 12/01/31 0 6749114 S48/S48 F 215,000.00 ZZ 360 214,514.88 1 7.625 1,521.76 100 7.375 1,521.76 VACAVILLE CA 95687 1 09/28/01 14 6125926532 05 11/01/01 35 6125926532 O 10/01/31 0 6749116 S48/S48 F 108,000.00 ZZ 360 107,911.47 1 7.000 718.53 100 6.750 718.53 KINGSPORT TN 37660 1 11/07/01 14 6145571151 05 01/01/02 35 6145571151 O 12/01/31 0 6749122 S48/S48 F 90,000.00 ZZ 360 89,862.60 1 7.375 621.61 100 7.125 621.61 LAKE PARK GA 31636 1 10/03/01 14 6157225605 05 12/01/01 35 6157225605 O 11/01/31 0 6749124 S48/S48 F 153,000.00 ZZ 360 152,766.43 1 7.375 1,056.74 100 7.125 1,056.74 ATLANTIC BE FL 32233 1 10/24/01 14 6166166964 05 12/01/01 35 6166166964 O 11/01/31 0 6749126 S48/S48 F 33,000.00 ZZ 360 32,953.26 1 7.750 236.42 100 7.500 236.42 BROWNWOOD TX 76801 1 10/12/01 14 6170520925 05 12/01/01 35 6170520925 O 11/01/31 0 1 6749134 S48/S48 F 70,115.00 ZZ 360 70,054.63 1 6.750 454.77 100 6.500 454.77 NORCROSS GA 30093 1 11/15/01 14 6188152471 05 01/01/02 35 6188152471 O 12/01/31 0 6749140 S48/S48 F 137,300.00 ZZ 360 136,885.13 1 7.250 936.63 100 7.000 936.63 OWATONNA MN 55060 1 10/12/01 14 6202357171 05 12/01/01 35 6202357171 O 11/01/31 0 6749142 S48/S48 F 66,500.00 ZZ 360 66,453.06 1 7.750 476.42 100 7.500 476.42 HOUSTON TX 77034 1 11/06/01 14 6217862801 05 01/01/02 35 6217862801 O 12/01/31 0 6749146 S48/S48 F 149,900.00 ZZ 360 149,774.06 1 6.875 984.74 100 6.625 984.74 CHARLESTON SC 29412 1 11/08/01 14 6239975375 05 01/01/02 35 6239975375 O 12/01/31 0 6749160 S48/S48 F 83,000.00 ZZ 360 82,941.41 1 7.750 594.63 100 7.500 594.63 CHICAGO IL 60619 1 11/09/01 14 6269883481 05 01/01/02 35 6269883481 O 12/01/31 0 6749162 S48/S48 F 151,900.00 ZZ 360 151,656.34 1 1 7.125 1,023.38 100 6.875 1,023.38 WINDSOR HEI IA 50311 1 10/30/01 14 6274167946 05 12/01/01 35 6274167946 O 11/01/31 0 6749166 S48/S48 F 320,000.00 ZZ 360 319,473.87 1 7.000 2,128.97 100 6.750 2,128.97 LAKESIDE CA 92040 1 10/17/01 14 6302644304 05 12/01/01 35 6302644304 O 11/01/31 0 6749168 S48/S48 F 290,000.00 ZZ 360 289,507.00 1 7.375 2,002.96 100 7.125 2,002.96 ALEXANDRIA VA 22315 1 10/18/01 14 6306015477 09 12/01/01 35 6306015477 O 11/01/31 0 6749172 S48/S48 F 30,000.00 ZZ 360 29,869.81 1 7.000 199.60 100 6.750 199.60 NORTH VERSA PA 15137 1 10/05/01 14 6360033887 05 12/01/01 35 6360033887 O 11/01/31 0 6749174 S48/S48 F 137,000.00 ZZ 360 136,785.59 1 7.250 934.59 100 7.000 934.59 BROOKLYN CE MN 55430 1 10/26/01 14 6367914832 05 12/01/01 35 6367914832 O 11/01/31 0 6749182 S48/S48 F 195,000.00 ZZ 360 194,840.15 1 7.000 1,297.35 100 6.750 1,297.35 FORT MYERS FL 33913 1 11/09/01 14 6401103442 03 01/01/02 35 1 6401103442 O 12/01/31 0 6749186 S48/S48 F 137,961.00 ZZ 360 137,734.16 1 7.000 917.86 100 6.750 917.86 TAYLORS SC 29687 1 10/26/01 14 6418734692 03 12/01/01 35 6418734692 O 11/01/31 0 6749190 S48/S48 F 150,000.00 ZZ 360 149,561.55 1 7.625 1,061.70 100 7.375 1,061.70 LEANDER TX 78641 1 09/05/01 14 6433076244 03 10/01/01 35 6433076244 O 09/01/31 0 6749194 S48/S48 F 113,000.00 ZZ 360 112,814.20 1 7.000 751.80 100 6.750 751.80 PHOENIX AZ 85023 1 10/04/01 14 6458884084 05 12/01/01 35 6458884084 O 11/01/31 0 6749200 S48/S48 F 93,500.00 ZZ 360 93,149.42 1 7.125 629.93 100 6.875 629.93 GREENWOOD SC 29649 1 10/31/01 14 6515145883 05 12/01/01 35 6515145883 O 11/01/31 0 6749216 S48/S48 F 100,000.00 ZZ 360 99,843.51 1 7.250 682.18 100 7.000 682.18 MYRTLE BCH SC 29588 1 10/19/01 14 6620688397 05 12/01/01 35 6620688397 O 11/01/31 0 1 6749228 S48/S48 F 91,500.00 ZZ 360 91,360.32 1 7.375 631.97 100 7.125 631.97 ST. PETERSB FL 33713 1 10/17/01 14 6673466576 05 12/01/01 35 6673466576 O 11/01/31 0 6749242 S48/S48 F 125,800.00 ZZ 360 125,696.87 1 7.000 836.96 98 6.750 836.96 CHARLES TOW WV 25414 1 11/16/01 14 6707364730 03 01/01/02 35 6707364730 O 12/01/31 0 6749244 S48/S48 F 136,000.00 ZZ 360 135,904.00 1 7.750 974.33 100 7.500 974.33 CHICO CA 95928 1 11/09/01 14 6710548725 05 01/01/02 35 6710548725 O 12/01/31 0 6749246 S48/S48 F 183,500.00 ZZ 360 183,349.58 1 7.000 1,220.84 100 6.750 1,220.84 RICHMOND HE MO 63117 1 11/07/01 14 6718231183 05 01/01/02 35 6718231183 O 12/01/31 0 6749250 S48/S48 F 224,800.00 ZZ 360 224,067.17 1 7.000 1,495.61 100 6.750 1,495.61 AVONDALE ES GA 30002 1 10/26/01 14 6724327025 05 12/01/01 35 6724327025 O 11/01/31 0 6749254 S48/S48 F 157,500.00 ZZ 360 157,139.72 1 7.000 1,047.86 100 6.750 1,047.86 1 CARY NC 27511 1 10/31/01 14 6731297799 05 12/01/01 35 6731297799 O 11/01/31 0 6749256 S48/S48 F 272,500.00 ZZ 360 272,051.96 1 7.000 1,812.95 100 6.750 1,812.95 ALBUQUERQUE NM 87111 1 10/10/01 14 6736398360 05 12/01/01 35 6736398360 O 11/01/31 0 6749260 S48/S48 F 200,000.00 ZZ 360 194,467.87 1 7.375 1,381.36 100 7.125 1,381.36 MIAMI FL 33183 1 10/12/01 14 6740618217 05 12/01/01 35 6740618217 O 11/01/31 0 6749262 S48/S48 F 138,000.00 ZZ 360 137,467.73 1 7.125 929.74 100 6.875 929.74 HIGH POINT NC 27262 1 10/12/01 14 6746116877 05 12/01/01 35 6746116877 O 11/01/31 0 6749270 S48/S48 F 259,331.00 ZZ 360 259,128.69 1 7.250 1,769.10 100 7.000 1,769.10 REDLANDS CA 92374 1 11/08/01 14 6775371419 03 01/01/02 35 6775371419 O 12/01/31 0 6749274 S48/S48 F 142,000.00 ZZ 360 141,738.59 1 7.250 968.70 100 7.000 968.70 GILBERT AZ 85233 1 10/16/01 14 6787943643 03 12/01/01 35 6787943643 O 11/01/31 0 1 6749278 S48/S48 F 117,000.00 ZZ 360 116,908.73 1 7.250 798.15 100 7.000 798.15 PITTSBURGH PA 15229 1 11/06/01 14 6797553556 05 01/01/02 35 6797553556 O 12/01/31 0 6749280 S48/S48 F 135,900.00 ZZ 360 135,676.55 1 7.000 904.15 100 6.750 904.15 WAYNESBORO VA 22980 1 10/30/01 14 6801663466 05 12/01/01 35 6801663466 O 11/01/31 0 6749286 S48/S48 F 117,000.00 ZZ 360 116,714.36 1 7.125 788.26 100 6.875 788.26 BEL AIR MD 21015 1 10/02/01 14 6818484674 09 11/01/01 35 6818484674 O 10/01/31 0 6749294 S48/S48 F 90,000.00 ZZ 360 89,803.33 1 7.625 637.02 100 7.375 637.02 ERIE PA 16506 1 10/24/01 14 6834279389 05 12/01/01 35 6834279389 O 11/01/31 0 6749298 S48/S48 F 75,000.00 ZZ 360 74,867.68 1 7.000 498.98 100 6.750 498.98 BISMARK ND 58501 1 10/19/01 14 6879166897 05 12/01/01 35 6879166897 O 11/01/31 0 6749306 S48/S48 F 95,000.00 ZZ 360 94,574.57 1 1 7.250 648.07 100 7.000 648.07 ENNIS TX 75119 1 10/03/01 14 6966051499 05 11/01/01 35 6966051499 O 10/01/31 0 6749314 S48/S48 F 171,000.00 ZZ 360 170,732.39 1 7.250 1,166.53 100 7.000 1,166.53 VIRGINIA BEACH VA 23464 1 10/03/01 14 6982516178 05 12/01/01 35 6982516178 O 11/01/31 0 6749316 S48/S48 F 165,000.00 ZZ 360 164,728.70 1 7.000 1,097.76 100 6.750 1,097.76 ARLINGTON TX 76012 1 10/26/01 14 6993419230 05 12/01/01 35 6993419230 O 11/01/31 0 6749610 Q41/G02 F 138,825.00 ZZ 360 138,825.00 4 8.250 1,042.95 90 8.000 1,042.95 IRVING TX 75061 1 12/14/01 11 0433506649 05 02/01/02 25 51031868 N 01/01/32 0 6752046 E22/G02 F 225,000.00 ZZ 360 224,873.86 3 8.875 1,790.20 90 8.625 1,790.20 BRONX NY 10452 1 11/29/01 01 0413060310 05 01/01/02 25 0413060310 N 12/01/31 0 6752068 E22/G02 F 330,000.00 ZZ 360 329,772.90 1 7.875 2,392.73 61 7.625 2,392.73 NOVI MI 48374 1 11/29/01 00 0413176322 05 01/01/02 0 1 0413176322 O 12/01/31 0 6752070 E22/G02 F 116,000.00 ZZ 360 115,909.51 1 7.250 791.32 80 7.000 791.32 RIO LINDA CA 95673 1 10/30/01 00 0413189770 05 01/01/02 0 0413189770 O 12/01/31 0 6752072 E22/G02 F 118,710.00 ZZ 360 118,630.35 4 8.000 871.05 90 7.750 871.05 SAINT LOUIS MO 63118 1 11/29/01 04 0413190315 05 01/01/02 25 0413190315 N 12/01/31 0 6752078 E22/G02 F 210,000.00 ZZ 360 209,855.48 1 7.875 1,522.65 75 7.625 1,522.65 SIMI VALLEY CA 93063 5 11/16/01 00 0413197666 05 01/01/02 0 0413197666 N 12/01/31 0 6752080 E22/G02 F 207,000.00 ZZ 360 206,857.55 1 7.875 1,500.89 75 7.625 1,500.89 SIMI VALLEY CA 93065 5 11/16/01 00 0413198078 05 01/01/02 0 0413198078 N 12/01/31 0 6752082 E22/G02 F 174,750.00 ZZ 360 174,629.74 1 7.875 1,267.06 75 7.625 1,267.06 SIMI VALLEY CA 93065 5 11/16/01 00 0413198334 05 01/01/02 0 0413198334 N 12/01/31 0 1 6752090 E22/G02 F 36,000.00 ZZ 360 35,947.11 3 8.000 264.16 80 7.750 264.16 BARNESVILLE OH 43713 1 11/29/01 00 0413202581 05 01/01/02 0 0413202581 N 12/01/31 0 6752096 E22/G02 F 135,000.00 ZZ 360 134,786.59 1 6.875 886.85 78 6.625 886.85 TAOS NM 87571 1 11/27/01 00 0413213059 05 01/01/02 0 0413213059 O 12/01/31 0 6752106 E22/G02 F 74,000.00 ZZ 360 73,937.83 1 6.875 486.13 93 6.625 486.13 NORFOLK VA 23513 2 11/21/01 01 0413220120 05 01/01/02 25 0413220120 O 12/01/31 0 6752118 E22/G02 F 142,250.00 ZZ 360 142,147.04 1 7.625 1,006.84 80 7.375 1,006.84 GARLAND TX 75040 1 11/29/01 00 0413250630 05 01/01/02 0 0413250630 O 12/01/31 0 6752128 E22/G02 F 236,000.00 ZZ 360 235,824.85 1 7.500 1,650.15 80 7.250 1,650.15 MODESTO CA 95355 5 11/16/01 00 0413260258 05 01/01/02 0 0413260258 O 12/01/31 0 6752172 E22/G02 F 96,000.00 ZZ 360 95,935.59 1 8.000 704.41 75 7.750 704.41 1 FARMERS BRANCH TX 75234 5 11/29/01 00 0413297581 05 01/01/02 0 0413297581 N 12/01/31 0 6752192 E22/G02 F 75,000.00 ZZ 360 74,938.52 1 7.000 498.98 62 6.750 498.98 LOVELAND CO 80537 1 11/26/01 00 0413320961 05 01/01/02 0 0413320961 N 12/01/31 0 6754040 588/G02 F 150,000.00 ZZ 360 150,000.00 1 7.750 1,074.62 60 7.500 1,074.62 VIENNA VA 22182 5 12/11/01 00 0433542727 09 02/01/02 0 1055895 O 01/01/32 0 6754400 964/G02 F 71,250.00 ZZ 360 71,250.00 1 7.500 498.19 75 7.250 498.19 LAWNDALE CA 90260 5 12/04/01 00 0433488814 01 02/01/02 0 158331 N 01/01/32 0 6755156 G27/G02 F 130,500.00 ZZ 360 130,500.00 1 7.250 890.24 90 7.000 890.24 MONTCLAIR CA 91763 1 12/04/01 01 0433489226 01 02/01/02 25 20201237 O 01/01/32 0 6755802 Q30/G02 F 97,650.00 ZZ 360 97,650.00 3 8.500 750.84 90 8.250 750.84 TORRINGTON CT 06790 1 12/05/01 14 0433545274 05 02/01/02 25 11014844 N 01/01/32 0 1 6757230 N47/G02 F 129,200.00 ZZ 360 129,200.00 1 7.250 881.37 85 7.000 881.37 CALEDONIA OH 43314 5 12/12/01 14 0433515673 05 02/01/02 30 40112998 O 01/01/32 0 6759512 M66/G02 F 94,500.00 ZZ 360 94,500.00 4 8.500 726.63 90 8.250 726.63 ALLENTOWN PA 18103 1 12/05/01 01 0433518149 05 02/01/02 25 217808 N 01/01/32 0 6760244 S11/G02 F 191,250.00 ZZ 360 191,250.00 1 7.000 1,272.39 75 6.750 1,272.39 BREA CA 92821 5 12/06/01 00 0433527538 05 02/01/02 0 10206106 O 01/01/32 0 6760656 K89/G02 F 111,150.00 ZZ 360 111,150.00 1 7.500 777.18 95 7.250 777.18 TAMPA FL 33609 2 12/06/01 01 0433527025 05 02/01/02 30 200111119 O 01/01/32 0 6760684 K88/G02 F 71,400.00 ZZ 360 71,400.00 1 7.750 511.52 70 7.500 511.52 HILLSBOROUGH NJ 08853 5 12/12/01 00 0433510849 01 02/01/02 0 28245 N 01/01/32 0 6762596 696/G02 F 598,500.00 ZZ 360 597,997.19 1 1 6.875 3,931.72 39 6.625 3,931.72 WASHINGTON DC 20009 5 11/19/01 00 0433443785 05 01/01/02 0 31201563 O 12/01/31 0 6762638 K89/G02 F 156,000.00 ZZ 360 156,000.00 1 7.375 1,077.46 80 7.125 1,077.46 MIAMI FL 33186 5 12/07/01 00 0433498755 05 02/01/02 0 200110005 O 01/01/32 0 6767118 U05/G02 F 150,000.00 ZZ 360 150,000.00 1 7.625 1,061.69 74 7.375 1,061.69 OXNARD CA 93033 5 12/04/01 00 0433526779 05 02/01/02 0 3186312 N 01/01/32 0 6768654 964/G02 F 400,000.00 ZZ 360 400,000.00 1 7.625 2,831.18 95 7.375 2,831.18 ROSEBURG OR 97470 1 12/05/01 11 0433488640 05 02/01/02 30 162292 O 01/01/32 0 6770050 E22/G02 F 412,795.00 ZZ 360 412,563.58 1 8.875 3,284.38 90 8.625 3,284.38 DENVER CO 80202 1 11/30/01 04 0412762288 01 01/01/02 25 0412762288 O 12/01/31 0 6770056 E22/G02 F 152,000.00 ZZ 360 151,910.26 4 8.625 1,182.24 95 8.375 1,182.24 BOUTTE LA 70039 1 11/30/01 01 0413009689 05 01/01/02 30 1 0413009689 O 12/01/31 0 6770070 E22/G02 F 198,800.00 ZZ 360 198,656.12 1 7.625 1,407.09 80 7.375 1,407.09 MOUNT OLIVE NJ 07828 1 11/30/01 00 0413083163 05 01/01/02 0 0413083163 O 12/01/31 0 6770130 E22/G02 F 104,125.00 ZZ 360 104,056.88 1 8.125 773.13 85 7.875 773.13 PLANT CITY FL 33566 5 11/26/01 01 0413177353 05 01/01/02 12 0413177353 O 12/01/31 0 6770146 E22/G02 F 136,000.00 ZZ 360 135,906.41 1 7.875 986.09 71 7.625 986.09 PASADENA TX 77505 5 11/26/01 00 0413197559 03 01/01/02 0 0413197559 O 12/01/31 0 6770158 E22/G02 F 275,000.00 ZZ 360 274,763.24 1 6.750 1,783.64 78 6.500 1,783.64 CHATHAM NJ 07928 2 11/26/01 00 0413203365 05 01/01/02 0 0413203365 O 12/01/31 0 6770160 E22/G02 F 199,000.00 ZZ 360 198,828.67 1 6.750 1,290.71 80 6.500 1,290.71 HELOTES TX 78023 2 11/20/01 00 0413204306 03 01/01/02 0 0413204306 O 12/01/31 0 1 6770208 E22/G02 F 52,000.00 ZZ 360 51,968.49 1 8.500 399.84 100 8.250 399.84 WHITE CASTLE LA 70788 1 11/30/01 14 0413245663 05 01/01/02 35 0413245663 O 12/01/31 0 6770210 E22/G02 F 207,000.00 ZZ 360 206,812.87 1 6.500 1,308.38 87 6.250 1,308.38 WHITTIER CA 90604 2 11/26/01 04 0413245887 05 01/01/02 25 0413245887 O 12/01/31 0 6770214 E22/G02 F 44,100.00 ZZ 360 44,070.41 3 8.000 323.59 90 7.750 323.59 CLAREMONT NH 03246 1 11/30/01 04 0413246935 05 01/01/02 25 0413246935 N 12/01/31 0 6770230 E22/G02 F 85,500.00 ZZ 360 85,448.20 2 8.500 657.42 90 8.250 657.42 HARTFORD CT 06114 1 11/30/01 04 0413255704 05 01/01/02 25 0413255704 N 12/01/31 0 6770258 E22/G02 F 240,300.00 ZZ 360 240,138.76 4 8.000 1,763.24 90 7.750 1,763.24 PORTLAND OR 97218 1 11/26/01 04 0413264607 05 01/01/02 25 0413264607 N 12/01/31 0 6770262 E22/G02 F 150,000.00 ZZ 360 149,870.85 1 6.750 972.90 67 6.500 972.90 1 AUSTIN TX 78748 5 11/26/01 00 0413266230 05 01/01/02 0 0413266230 O 12/01/31 0 6770266 E22/G02 F 65,300.00 ZZ 360 65,245.14 1 6.875 428.97 78 6.625 428.97 BOISE ID 83706 2 11/27/01 00 0413268020 05 01/01/02 0 0413268020 N 12/01/31 0 6770268 E22/G02 F 58,500.00 ZZ 360 58,459.74 1 7.875 424.17 90 7.625 424.17 COVINGTON OH 45318 1 11/30/01 04 0413268160 05 01/01/02 25 0413268160 N 12/01/31 0 6770286 E22/G02 F 73,600.00 ZZ 360 73,546.73 2 7.625 520.94 80 7.375 520.94 LAKE WORTH FL 33460 2 11/30/01 00 0413272063 05 01/01/02 0 0413272063 N 12/01/31 0 6770288 E22/G02 F 165,600.00 ZZ 360 165,457.42 1 6.750 1,074.08 80 6.500 1,074.08 FRISCO TX 75035 2 11/26/01 00 0413272303 03 01/01/02 0 0413272303 O 12/01/31 0 6770290 E22/G02 F 336,000.00 ZZ 360 335,762.85 1 7.750 2,407.15 80 7.500 2,407.15 COLORADO SPRING CO 80926 5 11/26/01 00 0413272436 05 01/01/02 0 0413272436 O 12/01/31 0 1 6770308 E22/G02 F 118,400.00 ZZ 360 118,314.30 1 7.625 838.03 80 7.375 838.03 RICHARDSON TX 75080 5 11/26/01 00 0413279647 05 01/01/02 0 0413279647 O 12/01/31 0 6770332 E22/G02 F 337,000.00 ZZ 360 336,749.90 1 7.500 2,356.35 80 7.250 2,356.35 MISSOULA MT 59802 5 11/26/01 00 0413293234 05 01/01/02 0 0413293234 O 12/01/31 0 6770336 E22/G02 F 128,800.00 ZZ 360 128,686.36 1 6.625 824.72 80 6.375 824.72 BELLEVUE WA 98005 2 11/20/01 00 0413295726 01 01/01/02 0 0413295726 O 12/01/31 0 6770350 E22/G02 F 108,000.00 ZZ 360 107,902.37 1 6.500 682.63 80 6.250 682.63 TAYLORSVILLE KY 40071 5 11/26/01 00 0413299702 05 01/01/02 0 0413299702 O 12/01/31 0 6770356 E22/G02 F 124,000.00 ZZ 360 123,905.64 1 7.375 856.44 80 7.125 856.44 JACKSON NJ 08527 1 11/30/01 00 0413300674 05 01/01/02 0 0413300674 O 12/01/31 0 6770372 E22/G02 F 72,000.00 ZZ 360 71,947.89 2 1 7.625 509.61 79 7.375 509.61 LAKE WORTH FL 33460 2 11/30/01 00 0413306911 05 01/01/02 0 0413306911 N 12/01/31 0 6770384 E22/G02 F 285,000.00 ZZ 360 284,803.86 3 7.875 2,066.45 65 7.625 2,066.45 CANTON MA 02021 5 11/30/01 00 0413310509 05 01/01/02 0 0413310509 N 12/01/31 0 6770386 E22/G02 F 66,750.00 ZZ 360 66,710.60 2 8.625 519.17 75 8.375 519.17 COLUMBUS OH 43204 5 11/30/01 00 0413310970 05 01/01/02 0 0413310970 N 12/01/31 0 6770412 E22/G02 F 210,000.00 T 360 209,855.48 1 7.875 1,522.65 60 7.625 1,522.65 GARDEN VALLEY ID 83622 5 11/21/01 00 0413319674 03 01/01/02 0 0413319674 O 12/01/31 0 6770436 E22/G02 F 118,500.00 ZZ 360 118,412.06 3 7.500 828.57 85 7.250 828.57 WORCESTER MA 01605 2 11/30/01 04 0413326257 05 01/01/02 20 0413326257 N 12/01/31 0 6770438 E22/G02 F 76,000.00 ZZ 360 75,943.60 3 7.500 531.40 73 7.250 531.40 WORCESTER MA 01605 2 11/30/01 00 0413326331 05 01/01/02 0 1 0413326331 N 12/01/31 0 6770440 E22/G02 F 60,300.00 ZZ 360 60,263.47 1 8.500 463.65 90 8.250 463.65 TAMARAC FL 33319 1 11/30/01 01 0413328378 08 01/01/02 25 0413328378 O 12/01/31 0 6770448 E22/G02 F 135,900.00 ZZ 360 135,801.64 1 7.625 961.89 90 7.375 961.89 MIAMI FL 33132 1 11/30/01 01 0413332024 06 01/01/02 25 0413332024 O 12/01/31 0 6770468 E22/G02 F 57,250.00 ZZ 360 57,205.34 3 7.250 390.55 90 7.000 390.55 OMAHA NE 68105 1 11/30/01 04 0413340514 05 01/01/02 25 0413340514 N 12/01/31 0 6770486 E22/G02 F 279,090.00 ZZ 360 278,929.43 1 8.750 2,195.60 90 8.500 2,195.60 SARASOTA FL 34238 1 11/30/01 01 0413345745 03 01/01/02 25 0413345745 O 12/01/31 0 6770488 E22/G02 F 35,550.00 ZZ 360 35,530.07 1 8.875 282.85 90 8.625 282.85 DECATUR GA 30034 1 11/30/01 10 0413346008 01 01/01/02 25 0413346008 N 12/01/31 0 1 6770490 E22/G02 F 207,000.00 ZZ 360 206,846.38 1 7.500 1,447.37 90 7.250 1,447.37 WALL NJ 08736 1 11/30/01 04 0413346354 05 01/01/02 25 0413346354 O 12/01/31 0 6770498 E22/G02 F 288,000.00 ZZ 360 287,801.80 1 7.875 2,088.20 80 7.625 2,088.20 BEVERLY MA 01915 1 11/30/01 00 0413347782 05 01/01/02 0 0413347782 O 12/01/31 0 6770510 E22/G02 F 166,500.00 ZZ 360 166,396.51 1 8.375 1,265.52 90 8.125 1,265.52 LAKE WORTH FL 33463 1 11/30/01 04 0413354762 03 01/01/02 25 0413354762 O 12/01/31 0 6770852 E82/G02 F 190,000.00 ZZ 360 190,000.00 1 6.625 1,216.59 53 6.375 1,216.59 FLUSHING NY 11366 2 11/28/01 00 0400517868 05 02/01/02 0 0400517868 O 01/01/32 0 6770860 E82/G02 F 155,000.00 ZZ 360 154,879.09 3 7.250 1,057.37 39 7.000 1,057.37 JAMAICA PLAIN MA 02130 5 11/27/01 00 0400484291 05 01/01/02 0 0400484291 O 12/01/31 0 6770862 E82/G02 F 80,900.00 ZZ 360 80,900.00 1 6.875 531.46 57 6.625 531.46 1 EUGENE OR 97405 2 11/30/01 00 0400536751 05 02/01/02 0 1645098 N 01/01/32 0 6770866 E82/G02 F 245,000.00 ZZ 360 244,794.17 1 6.875 1,609.48 50 6.625 1,609.48 FREMONT CA 94536 2 11/26/01 00 0400516951 05 01/01/02 0 1877173 O 12/01/31 0 6770876 E82/G02 F 158,500.00 ZZ 360 158,500.00 1 6.750 1,028.03 68 6.500 1,028.03 STATEN ISLAND NY 10312 5 11/28/01 00 0400518858 09 02/01/02 0 0400518858 O 01/01/32 0 6774062 Q99/G02 F 235,000.00 ZZ 360 235,000.00 1 7.500 1,643.15 61 7.250 1,643.15 WARREN RI 02885 5 12/05/01 00 0433432804 05 02/01/02 0 038308623 O 01/01/32 0 6774174 T90/G02 F 138,000.00 ZZ 360 138,000.00 1 8.125 1,024.65 74 7.875 1,024.65 BARNHART MO 63012 2 12/11/01 00 0433525706 05 02/01/02 0 67831 O 01/01/32 0 6774244 M96/G02 F 179,700.00 ZZ 360 179,700.00 1 7.750 1,287.39 65 7.500 1,287.39 MUSKEGON MI 49441 5 12/05/01 00 0433487162 29 02/01/02 0 200102893 O 01/01/32 0 1 6778318 J95/G02 F 395,250.00 ZZ 360 394,583.98 1 6.875 2,596.51 80 6.625 2,596.51 LADERA RANCH AR CA 92694 1 10/09/01 00 0433441417 03 12/01/01 0 0023623812 O 11/01/31 0 6778320 J95/G02 F 430,000.00 ZZ 360 428,774.24 1 7.750 3,080.57 80 7.500 3,080.57 ALPHARETTA GA 30004 1 08/10/01 00 0433485554 03 10/01/01 0 0020224366 O 09/01/31 0 6778322 J95/G02 F 331,500.00 ZZ 360 330,941.40 1 6.875 2,177.72 80 6.625 2,177.72 SAMMAMISH WA 98074 1 10/05/01 00 0433485653 03 12/01/01 0 0027452093 O 11/01/31 0 6778328 J95/G02 F 184,000.00 ZZ 360 183,544.88 1 7.000 1,224.16 80 6.750 1,224.16 CHAPEL HILL NC 27516 1 09/28/01 00 0433487014 05 11/01/01 0 0020233292 O 10/01/31 0 6778330 J95/G02 F 315,000.00 ZZ 360 314,173.73 1 8.375 2,394.23 90 8.125 2,394.23 ALEXANDRIA VA 22312 2 08/23/01 11 0433487089 05 10/01/01 25 0020233318 O 09/01/31 0 6778334 J95/G02 F 217,600.00 ZZ 360 217,284.02 1 1 7.625 1,540.16 68 7.375 1,540.16 BILLERICA MA 01862 5 10/02/01 00 0433487063 05 12/01/01 0 0020234464 O 11/01/31 0 6778338 J95/G02 F 285,000.00 ZZ 360 284,483.32 1 6.500 1,801.39 80 6.250 1,801.39 VALLEJO CA 94590 2 10/08/01 00 0433487204 05 12/01/01 0 0023732050 O 11/01/31 0 6778344 J95/G02 F 196,650.00 ZZ 360 196,151.52 1 6.875 1,291.85 68 6.625 1,291.85 RALEIGH NC 27607 2 09/24/01 00 0433487360 05 11/01/01 0 0020230223 O 10/01/31 0 6778346 J95/G02 F 111,200.00 ZZ 360 111,030.26 1 7.375 768.03 80 7.125 768.03 ORANGEVALE CA 95662 1 10/15/01 00 0433487378 05 12/01/01 0 0023724768 O 11/01/31 0 6778348 J95/G02 F 110,400.00 ZZ 360 110,218.47 1 7.000 734.50 80 6.750 734.50 DILLON CO 80435 2 10/09/01 00 0433488905 01 12/01/01 0 0027601319 N 11/01/31 0 6778350 J95/G02 F 319,250.00 ZZ 360 318,725.10 1 7.000 2,123.98 71 6.750 2,123.98 SEDONA AZ 86336 2 10/10/01 00 0433487469 05 12/01/01 0 1 0027589662 O 11/01/31 0 6778354 J95/G02 F 77,840.00 ZZ 360 77,712.02 1 7.000 517.87 80 6.750 517.87 LOGANVILLE GA 30052 1 10/24/01 00 0433487485 05 12/01/01 0 0023716343 N 11/01/31 0 6778358 J95/G02 F 640,000.00 ZZ 360 638,921.56 1 6.875 4,204.35 80 6.625 4,204.35 SAMMAMISH WA 98074 2 10/24/01 00 0433487527 05 12/01/01 0 0027642438 O 11/01/31 0 6778360 J95/G02 F 171,000.00 ZZ 360 170,751.68 4 7.625 1,210.33 90 7.375 1,210.33 AUSTIN TX 78724 1 10/24/01 10 0433488301 05 12/01/01 25 0027649599 N 11/01/31 0 6778362 J95/G02 F 310,400.00 ZZ 360 309,865.89 1 6.875 2,039.11 80 6.625 2,039.11 BARNSVILLE MD 20838 2 10/29/01 00 0433488269 05 12/01/01 0 0027665009 O 11/01/31 0 6778364 J95/G02 F 79,493.00 ZZ 360 79,380.42 2 7.750 569.50 76 7.500 569.50 EAST RIDGE TN 37412 2 10/31/01 00 0433488343 05 12/01/01 0 0027680024 N 11/01/31 0 1 6778366 J95/G02 F 79,493.00 ZZ 360 79,380.42 2 7.750 569.50 76 7.500 569.50 EAST RIDGE TN 37412 2 10/31/01 00 0433488376 05 12/01/01 0 0027680834 N 11/01/31 0 6778368 J95/G02 F 71,200.00 ZZ 360 71,099.16 2 7.750 510.09 80 7.500 510.09 SAINT LOUIS MO 63109 1 10/26/01 00 0433488459 05 12/01/01 0 0027683275 N 11/01/31 0 6778370 J95/G02 F 324,000.00 ZZ 360 323,541.16 1 7.750 2,321.18 80 7.500 2,321.18 GARDENA CA 90248 5 10/10/01 00 0433488434 03 12/01/01 0 0023762628 O 11/01/31 0 6778372 J95/G02 F 144,000.00 ZZ 360 143,810.96 4 8.125 1,069.20 90 7.875 1,069.20 SANFORD FL 32771 1 10/16/01 12 0433488418 05 12/01/01 25 0027689652 N 11/01/31 0 6778374 J95/G02 F 103,500.00 ZZ 360 103,364.12 3 8.125 768.49 90 7.875 768.49 SANFORD FL 32771 1 10/15/01 10 0433488400 05 12/01/01 25 0027689868 N 11/01/31 0 6778376 J95/G02 F 99,000.00 ZZ 360 98,866.70 1 8.000 726.43 90 7.750 726.43 1 OMAHA NE 68127 1 10/22/01 10 0433487600 05 12/01/01 25 0027692953 N 11/01/31 0 6778378 J95/G02 F 377,000.00 ZZ 360 376,380.13 1 7.000 2,508.20 77 6.750 2,508.20 ATLANTA GA 30305 5 10/30/01 00 0433488285 05 12/01/01 0 0027697853 O 11/01/31 0 6778380 J95/G02 F 133,650.00 ZZ 360 133,470.04 4 8.000 980.68 90 7.750 980.68 ST. LOUIS MO 63116 1 10/15/01 10 0433488384 05 12/01/01 25 0027712413 N 11/01/31 0 6778382 J95/G02 F 380,000.00 ZZ 360 379,635.42 1 7.375 2,624.57 79 7.125 2,624.57 SUGAR LAND TX 77479 1 11/05/01 00 0433487618 03 01/01/02 0 0027717735 O 12/01/31 0 6778386 J95/G02 F 79,493.00 ZZ 360 79,380.42 2 7.750 569.50 76 7.500 569.50 EAST RIDGE TN 37412 2 10/31/01 00 0433488350 05 12/01/01 0 0027697739 N 11/01/31 0 6778388 J95/G02 F 304,000.00 ZZ 360 303,500.17 1 7.000 2,022.52 80 6.750 2,022.52 ROSWELL GA 30075 2 11/01/01 00 0433488475 05 12/01/01 0 0027771195 O 11/01/31 0 1 6778392 J95/G02 F 79,493.00 ZZ 360 79,380.42 2 7.750 569.50 76 7.500 569.50 CHATTANOOGA TN 37412 2 10/31/01 00 0433487642 05 12/01/01 0 0027837814 N 11/01/31 0 6778576 P44/G02 F 180,000.00 ZZ 360 180,000.00 1 7.875 1,305.12 34 7.625 1,305.12 SAUGUS MA 01906 2 12/06/01 00 0433496700 05 02/01/02 0 001443 O 01/01/32 0 6780028 624/G02 F 72,810.00 ZZ 360 72,706.89 3 7.750 521.62 90 7.500 521.62 LEMOORE CA 93245 1 10/31/01 01 0433440757 05 12/01/01 25 36500316773F N 11/01/31 0 6780392 624/G02 F 224,000.00 ZZ 360 223,807.14 1 6.750 1,452.86 83 6.500 1,452.86 NORTHRIDGE CA 91324 5 11/05/01 01 0433433299 05 01/01/02 12 3701131015 O 12/01/31 0 6780600 737/G02 F 67,000.00 ZZ 360 67,000.00 1 7.750 480.00 71 7.500 480.00 PHENIX CITY AL 36870 5 12/11/01 00 0433533346 05 02/01/02 0 2047810 N 01/01/32 0 6781096 893/G02 F 232,000.00 ZZ 360 231,805.10 1 1 6.875 1,524.07 80 6.625 1,524.07 SANTA ROSA CA 95403 1 11/27/01 00 0433423522 05 01/01/02 0 A11116031 O 12/01/31 0 6781556 X22/G02 F 97,500.00 ZZ 360 97,500.00 1 6.500 616.27 75 6.250 616.27 FONTANA CA 92336 5 12/07/01 00 0433485455 05 02/01/02 0 01110003 O 01/01/32 0 6781956 F96/G02 F 238,500.00 ZZ 360 238,500.00 3 8.375 1,812.77 90 8.125 1,812.77 BROOKLYN NY 11233 1 12/12/01 12 0433515905 05 02/01/02 25 0106444 O 01/01/32 0 6786040 696/G02 F 80,000.00 ZZ 360 79,932.79 1 6.875 525.54 51 6.625 525.54 GAITHERSBURG MD 20878 1 11/16/01 00 0433448669 01 01/01/02 0 30401124 O 12/01/31 0 6786042 696/G02 F 475,800.00 ZZ 360 475,428.84 1 7.250 3,245.79 75 7.000 3,245.79 CHANTILLY VA 20152 1 11/21/01 00 0433443694 03 01/01/02 0 25001072 O 12/01/31 0 6789542 K88/G02 F 388,000.00 ZZ 360 387,704.76 1 7.375 2,679.82 80 7.125 2,679.82 WESTWOOD NJ 07675 1 11/21/01 00 0433430881 05 01/01/02 0 1 28198 O 12/01/31 0 6790288 B57/G02 F 510,000.00 ZZ 360 509,550.03 1 6.625 3,265.59 73 6.375 3,265.59 LOS ANGELES CA 90077 2 11/14/01 00 0433451176 29 01/01/02 0 2118036 O 12/01/31 0 6793224 E22/G02 F 252,000.00 ZZ 360 251,826.58 2 7.875 1,827.17 80 7.625 1,827.17 NORTH BRUNSWICK NJ 08902 5 11/28/01 00 0413001769 05 01/01/02 0 0413001769 O 12/01/31 0 6793236 E22/G02 F 160,000.00 ZZ 360 159,903.07 1 8.500 1,230.26 89 8.250 1,230.26 WEST BLOOMFIELD MI 48322 1 12/03/01 01 0413112970 01 01/01/02 25 0413112970 O 12/01/31 0 6793244 E22/G02 F 100,800.00 ZZ 360 100,723.30 1 7.375 696.20 80 7.125 696.20 MONEE IL 60499 5 11/27/01 00 0413136870 05 01/01/02 0 0413136870 O 12/01/31 0 6793262 E22/G02 F 147,000.00 ZZ 360 146,896.24 1 7.750 1,053.13 90 7.500 1,053.13 BRIGHTON CO 80602 2 11/26/01 04 0413166620 05 01/01/02 30 0413166620 O 12/01/31 0 1 6793274 E22/G02 F 107,500.00 ZZ 360 107,399.26 4 7.500 751.66 90 7.250 751.66 BRATTLEBORO VT 05301 1 12/03/01 01 0413186149 05 01/01/02 25 0413186149 N 12/01/31 0 6793314 E22/G02 F 246,500.00 ZZ 360 246,287.77 1 6.750 1,598.79 85 6.500 1,598.79 ARVADA CO 80004 5 11/28/01 04 0413221854 05 01/01/02 12 0413221854 O 12/01/31 0 6793324 E22/G02 F 151,000.00 ZZ 360 150,856.73 1 6.250 929.73 38 6.000 929.73 JOHNS ISLAND SC 29455 2 11/27/01 00 0413238882 05 01/01/02 0 0413238882 O 12/01/31 0 6793342 E22/G02 F 244,800.00 ZZ 360 244,618.32 1 7.500 1,711.68 90 7.250 1,711.68 BROOKLYN NY 11226 1 12/03/01 04 0413255506 05 01/01/02 25 0413255506 O 12/01/31 0 6793346 E22/G02 F 200,000.00 ZZ 360 199,855.24 1 7.625 1,415.59 80 7.375 1,415.59 MARRERO LA 70072 5 11/26/01 00 0413258518 05 01/01/02 0 0413258518 O 12/01/31 0 6793364 E22/G02 F 240,800.00 ZZ 360 240,551.30 1 6.625 1,541.87 85 6.375 1,541.87 1 GRAND BLANC MI 48439 1 12/03/01 04 0413266503 05 01/01/02 25 0413266503 O 12/01/31 0 6793366 E22/G02 F 160,500.00 ZZ 360 160,389.54 1 7.875 1,163.74 79 7.625 1,163.74 WEYMOUTH MA 02189 5 11/28/01 00 0413266610 05 01/01/02 0 0413266610 O 12/01/31 0 6793376 E22/G02 F 450,000.00 ZZ 360 449,612.56 1 6.750 2,918.69 79 6.500 2,918.69 EDMONDS WA 98020 5 11/19/01 00 0413268293 05 01/01/02 0 0413268293 O 12/01/31 0 6793426 E22/G02 F 178,400.00 ZZ 360 178,253.77 1 7.000 1,186.90 85 6.750 1,186.90 COLORADO SPRING CO 80904 1 12/03/01 04 0413278581 03 01/01/02 12 0413278581 O 12/01/31 0 6793458 E22/G02 F 161,100.00 ZZ 360 160,950.79 1 6.375 1,005.05 90 6.125 1,005.05 ORLANDO FL 32825 2 11/27/01 01 0413293275 05 01/01/02 25 0413293275 O 12/01/31 0 6793470 E22/G02 F 85,000.00 ZZ 360 84,930.32 1 7.000 565.51 71 6.750 565.51 N INDIALANTIC FL 32903 2 11/28/01 00 0413299082 05 01/01/02 0 0413299082 O 12/01/31 0 1 6793476 E22/G02 F 83,700.00 ZZ 360 83,631.39 1 7.000 556.86 85 6.750 556.86 TULSA OK 74114 5 11/27/01 04 0413304221 05 01/01/02 12 0413304221 O 12/01/31 0 6793482 E22/G02 F 189,710.00 ZZ 360 189,550.62 1 6.875 1,246.26 78 6.625 1,246.26 HERMITAGE TN 37076 2 11/28/01 00 0413307604 03 01/01/02 0 0413307604 O 12/01/31 0 6793496 E22/G02 F 291,900.00 T 360 291,666.58 1 7.125 1,966.58 70 6.875 1,966.58 DILLON BEACH CA 94929 5 11/26/01 00 0413319609 05 01/01/02 0 0413319609 O 12/01/31 0 6793498 E22/G02 F 145,600.00 ZZ 360 145,486.42 1 7.250 993.25 80 7.000 993.25 EVERETT WA 98204 1 11/28/01 00 0413320219 01 01/01/02 0 0413320219 O 12/01/31 0 6793518 E22/G02 F 87,000.00 ZZ 360 86,930.42 1 7.125 586.14 80 6.875 586.14 ATLANTA GA 30331 5 11/28/01 00 0413331653 05 01/01/02 0 0413331653 O 12/01/31 0 6793526 E22/G02 F 320,800.00 ZZ 360 320,537.04 1 1 7.000 2,134.29 80 6.750 2,134.29 CASTRO VALLEY CA 94546 1 11/29/01 00 0413333147 05 01/01/02 0 0413333147 O 12/01/31 0 6793530 E22/G02 F 105,000.00 ZZ 360 104,913.93 1 7.000 698.57 77 6.750 698.57 RIVERDALE GA 30274 2 11/28/01 00 0413335787 03 01/01/02 0 0413335787 O 12/01/31 0 6793536 E22/G02 F 130,000.00 ZZ 240 129,765.23 1 7.500 1,047.27 58 7.250 1,047.27 BAY SHORE NY 11706 5 11/28/01 00 0413336777 05 01/01/02 0 0413336777 O 12/01/21 0 6793540 E22/G02 F 148,500.00 ZZ 360 148,400.36 4 8.000 1,089.64 90 7.750 1,089.64 FRUITA CO 81521 1 12/03/01 04 0413341736 05 01/01/02 25 0413341736 N 12/01/31 0 6793754 E82/G02 F 172,500.00 ZZ 360 172,355.08 1 6.875 1,133.20 79 6.625 1,133.20 STRONGSVILLE OH 44136 2 11/30/01 00 0400507067 05 01/01/02 0 1702506 O 12/01/31 0 6793784 E82/G02 F 138,500.00 ZZ 360 138,383.64 1 6.875 909.85 77 6.625 909.85 VENTURA CA 93003 2 11/28/01 00 0400540472 05 01/01/02 0 1 1544567 O 12/01/31 0 6793798 E82/G02 F 137,700.00 ZZ 360 137,589.88 1 7.125 927.71 64 6.875 927.71 STATEN ISLAND NY 10306 2 11/30/01 00 0400484192 05 01/01/02 0 1625092 O 12/01/31 0 6793802 E82/G02 F 244,000.00 ZZ 360 243,784.72 1 6.625 1,562.36 80 6.375 1,562.36 PISCATAWAY NJ 08854 2 11/28/01 00 0400535589 05 01/01/02 0 0400535589 O 12/01/31 0 6794074 624/G02 F 525,000.00 ZZ 360 524,569.66 1 7.000 3,492.84 68 6.750 3,492.84 APTOS CA 95003 5 11/07/01 00 0433426723 05 01/01/02 0 88611011336F O 12/01/31 0 6794450 758/G02 F 404,000.00 ZZ 360 403,692.59 1 7.375 2,790.33 74 7.125 2,790.33 DALLAS TX 75229 5 11/21/01 00 0433508363 05 01/01/02 0 1 O 12/01/31 0 6794486 624/G02 F 480,000.00 ZZ 360 479,230.02 1 7.125 3,233.85 75 6.875 3,233.85 FOLSOM CA 95630 5 10/24/01 00 0433440849 05 12/01/01 0 85606510083F O 11/01/31 0 1 6795238 L49/G02 F 307,300.00 ZZ 360 307,054.25 1 7.125 2,070.34 80 6.875 2,070.34 SAN MARCOS CA 92078 1 11/05/01 00 0433414059 05 01/01/02 0 10007327 O 12/01/31 0 6795264 L49/G02 F 404,000.00 ZZ 360 403,660.58 1 6.875 2,654.00 80 6.625 2,654.00 FULLERTON CA 92835 1 11/05/01 00 0433439841 05 01/01/02 0 10008346 O 12/01/31 0 6795268 L49/G02 F 523,550.00 ZZ 360 523,110.16 1 6.875 3,439.35 77 6.625 3,439.35 SAN DIEGO CA 92130 1 11/19/01 00 0433414174 05 01/01/02 0 10008405 O 12/01/31 0 6795482 E11/G02 F 382,500.00 ZZ 360 382,216.13 1 7.500 2,674.50 90 7.250 2,674.50 SCOTTSDALE AZ 85250 5 11/15/01 04 0433432796 05 01/01/02 25 0006001038291 O 12/01/31 0 6796226 K15/G02 F 143,000.00 ZZ 360 142,876.88 1 6.750 927.50 78 6.500 927.50 AMESBURY MA 01913 5 11/08/01 00 0433411212 05 01/01/02 0 033305306009 O 12/01/31 0 6801990 069/G02 F 329,500.00 ZZ 360 329,500.00 1 6.750 2,137.14 72 6.500 2,137.14 1 DANA POINT CA 92629 1 12/12/01 00 0433521200 05 02/01/02 0 88246152 O 01/01/32 0 6802002 E82/G02 F 110,100.00 ZZ 360 110,100.00 1 6.750 714.11 76 6.500 714.11 PITTSBURG CA 94565 2 11/28/01 00 0400542213 05 02/01/02 0 1741497 O 01/01/32 0 6802008 E82/G02 F 165,300.00 ZZ 360 165,154.16 1 6.625 1,058.43 67 6.375 1,058.43 AGOURA CA 91301 2 11/27/01 00 0400541009 05 01/01/02 0 0400541009 O 12/01/31 0 6802014 E82/G02 F 219,600.00 ZZ 360 219,415.51 1 6.875 1,442.62 80 6.625 1,442.62 LOS ANGELES CA 90732 2 11/28/01 00 0400530168 01 01/01/02 0 1871672 O 12/01/31 0 6802018 E82/G02 F 110,400.00 ZZ 360 110,400.00 1 6.500 697.80 80 6.250 697.80 RIVERSIDE CA 92509 2 11/28/01 00 0400542882 05 02/01/02 0 2844880 O 01/01/32 0 6803586 U05/G02 F 212,500.00 ZZ 360 212,325.81 1 7.000 1,413.77 67 6.750 1,413.77 SCOTTSDALE AZ 85260 2 11/16/01 00 0433457181 05 01/01/02 0 3184783 O 12/01/31 0 1 6803822 U05/G02 F 50,000.00 ZZ 360 49,960.02 1 7.125 336.86 72 6.875 336.86 TAMPA FL 33604 2 11/02/01 00 0433443249 05 01/01/02 0 3178449 O 12/01/31 0 6804924 U05/G02 F 80,000.00 ZZ 360 79,932.79 1 6.875 525.54 77 6.625 525.54 PORTLAND OR 97217 5 11/02/01 00 0433427663 05 01/01/02 0 3177004 O 12/01/31 0 6805294 U05/G02 F 255,500.00 ZZ 360 255,285.35 1 6.875 1,678.45 78 6.625 1,678.45 PEORIA AZ 85382 2 11/16/01 00 0433427929 05 01/01/02 0 3174926 O 12/01/31 0 6805360 U05/G02 F 275,000.00 ZZ 360 274,590.54 1 7.500 1,922.84 79 7.250 1,922.84 JEFFERSON MD 21755 2 11/02/01 00 0433433828 05 12/01/01 0 3172670 O 11/01/31 0 6805424 U05/G02 F 206,400.00 ZZ 360 206,238.99 1 7.250 1,408.01 72 7.000 1,408.01 MOSES LAKE WA 98837 2 11/02/01 00 0433432556 05 01/01/02 0 3178701 O 12/01/31 0 6805502 U05/G02 F 135,200.00 ZZ 360 135,104.58 1 1 7.750 968.59 80 7.500 968.59 CRYSTAL LAKE IL 60014 2 11/12/01 00 0433428729 05 01/01/02 0 3169316 O 12/01/31 0 6811364 U05/G02 F 500,000.00 ZZ 360 500,000.00 1 8.250 3,756.33 80 8.000 3,756.33 DALLAS TX 75230 5 12/17/01 00 0433544798 05 02/01/02 0 3185023 O 01/01/32 0 6811768 B49/G02 F 308,000.00 ZZ 360 308,000.00 1 7.000 2,049.14 80 6.750 2,049.14 EVERGREEN CO 80439 2 12/10/01 00 0433495124 05 02/01/02 0 000217060550 O 01/01/32 0 6813212 E22/G02 F 89,900.00 ZZ 360 89,834.93 4 7.625 636.31 90 7.375 636.31 KALAMAZOO MI 49001 1 12/04/01 04 0413194259 05 01/01/02 25 0413194259 N 12/01/31 0 6813240 E22/G02 F 75,000.00 ZZ 360 74,936.99 1 6.875 492.70 80 6.625 492.70 HOUSTON TX 77075 5 11/29/01 00 0413234261 05 01/01/02 0 0413234261 O 12/01/31 0 6813242 E22/G02 F 190,400.00 ZZ 360 190,240.04 2 6.875 1,250.79 80 6.625 1,250.79 GARDENA CA 90249 1 11/30/01 00 0413235672 05 01/01/02 0 1 0413235672 O 12/01/31 0 6813266 E22/G02 F 64,400.00 ZZ 360 64,357.87 1 8.125 478.17 80 7.875 478.17 CATAULA GA 31804 5 11/29/01 00 0413263237 05 01/01/02 0 0413263237 O 12/01/31 0 6813268 E22/G02 F 130,150.00 ZZ 360 130,150.00 1 6.750 844.15 95 6.500 844.15 BIGFORK MT 59911 1 12/04/01 04 0413263310 05 02/01/02 30 0413263310 O 01/01/32 0 6813276 E22/G02 F 540,000.00 ZZ 360 540,000.00 1 6.750 3,502.43 80 6.500 3,502.43 OGDEN UT 84403 4 12/03/01 00 0413273442 05 02/01/02 0 0413273442 O 01/01/32 0 6813282 E22/G02 F 114,350.00 ZZ 240 114,137.08 1 7.250 903.79 61 7.000 903.79 BENTON MS 39039 2 11/28/01 00 0413279993 05 01/01/02 0 0413279993 O 12/01/21 0 6813302 E22/G02 F 193,600.00 ZZ 360 193,437.36 1 6.875 1,271.81 80 6.625 1,271.81 ADDISON TX 75001 5 11/27/01 00 0413290842 05 01/01/02 0 0413290842 O 12/01/31 0 1 6813304 E22/G02 F 85,500.00 ZZ 360 85,384.63 3 8.000 627.37 90 7.750 627.37 PIQUA OH 45356 2 11/29/01 01 0413291410 05 01/01/02 25 0413291410 O 12/01/31 0 6813306 E22/G02 F 114,750.00 ZZ 360 114,671.03 1 7.875 832.02 88 7.625 832.02 WILMINGTON DE 19804 5 11/29/01 04 0413296047 05 01/01/02 25 0413296047 O 12/01/31 0 6813312 E22/G02 F 164,000.00 ZZ 360 163,881.30 1 7.625 1,160.78 80 7.375 1,160.78 BOCA RATON FL 33498 5 11/29/01 00 0413297425 03 01/01/02 0 0413297425 O 12/01/31 0 6813316 E22/G02 F 116,800.00 ZZ 360 116,800.00 1 7.750 836.77 78 7.500 836.77 SALT LAKE CITY UT 84106 5 11/26/01 00 0413303025 05 02/01/02 0 0413303025 O 01/01/32 0 6813380 E22/G02 F 67,000.00 ZZ 360 66,953.89 1 7.875 485.80 30 7.625 485.80 LEAVENWORTH WA 98826 5 11/27/01 00 0413353236 05 01/01/02 0 0413353236 O 12/01/31 0 6813390 E22/G02 F 148,500.00 ZZ 360 148,500.00 4 8.000 1,089.64 90 7.750 1,089.64 1 FRUITA CO 81521 1 12/03/01 01 0413360702 05 02/01/02 25 0413360702 N 01/01/32 0 6813392 E22/G02 F 148,500.00 ZZ 360 148,500.00 4 8.000 1,089.64 90 7.750 1,089.64 FRUITA CO 81521 1 12/03/01 01 0413360967 05 02/01/02 25 0413360967 N 01/01/32 0 6813400 E22/G02 F 68,400.00 ZZ 360 68,360.65 1 8.750 538.10 95 8.500 538.10 HOLIDAY FL 34691 1 12/04/01 01 0413389503 05 01/01/02 35 0413389503 O 12/01/31 0 6813746 E82/G02 F 116,300.00 ZZ 360 116,209.28 2 7.250 793.37 76 7.000 793.37 MAUMEE OH 43537 2 12/06/01 00 0400505335 05 01/01/02 0 2760981 N 12/01/31 0 6813762 E82/G02 F 56,000.00 ZZ 360 56,000.00 2 6.875 367.88 55 6.625 367.88 STUART FL 34997 2 12/06/01 00 0400539789 05 02/01/02 0 1666738 N 01/01/32 0 6818432 P27/G02 F 288,000.00 ZZ 360 288,000.00 1 7.000 1,916.07 80 6.750 1,916.07 LAKE ARROWHEAD CA 92352 1 12/04/01 00 0433536869 05 02/01/02 0 RF58007 O 01/01/32 0 1 6821444 F96/G02 F 145,000.00 ZZ 360 145,000.00 1 7.375 1,001.48 66 7.125 1,001.48 ROCKAWAY NJ 07866 5 12/07/01 00 0433465481 05 02/01/02 0 0107021 O 01/01/32 0 6826874 X05/G02 F 420,000.00 ZZ 360 420,000.00 1 8.250 3,155.32 78 8.000 3,155.32 ALISO VIEJO CA 92656 5 12/13/01 00 0433502028 05 02/01/02 0 01111173 O 01/01/32 0 6827180 950/G02 F 140,800.00 ZZ 360 140,800.00 1 8.375 1,070.18 80 8.125 1,070.18 PORTLAND OR 97214 1 12/13/01 00 0433535614 05 02/01/02 0 EA111083 N 01/01/32 0 6828770 A01/G02 F 187,900.00 ZZ 360 187,900.00 1 7.750 1,346.14 78 7.500 1,346.14 FOUNTAIN VALLEY CA 92708 1 12/07/01 00 0433500394 01 02/01/02 0 0112004299 O 01/01/32 0 6830128 737/G02 F 370,500.00 ZZ 360 370,500.00 1 8.375 2,816.07 95 8.125 2,816.07 DENVER CO 80218 1 12/10/01 28 0433548393 05 02/01/02 30 2051260 O 01/01/32 0 6830158 U05/G02 F 31,500.00 ZZ 360 31,477.77 4 1 7.750 225.67 90 7.500 225.67 PHOENIX AZ 85040 1 11/19/01 11 0433424801 05 01/01/02 25 3177735 N 12/01/31 0 6830248 758/G02 F 68,000.00 ZZ 360 68,000.00 1 7.875 493.05 80 7.625 493.05 FORT COLLINS CO 80525 1 12/07/01 00 0433529039 01 02/01/02 0 610741 N 01/01/32 0 6836292 E22/G02 F 71,900.00 ZZ 360 71,843.92 1 7.250 490.48 69 7.000 490.48 SAN ANTONIO TX 78212 5 11/30/01 00 0413032251 05 01/01/02 0 0413032251 O 12/01/31 0 6836298 E22/G02 F 75,000.00 ZZ 360 74,948.39 1 7.875 543.80 53 7.625 543.80 MAGNOLIA TX 77354 5 11/28/01 00 0413080805 05 01/01/02 0 0413080805 O 12/01/31 0 6836324 E22/G02 F 79,250.00 ZZ 360 79,250.00 1 8.000 581.51 90 7.750 581.51 MOUNT CLEMENS MI 48043 1 12/05/01 01 0413187097 01 02/01/02 25 0413187097 O 01/01/32 0 6836328 E22/G02 F 128,000.00 ZZ 360 127,914.11 1 8.000 939.22 70 7.750 939.22 CHICAGO IL 60660 5 11/30/01 00 0413192089 06 01/01/02 0 1 0413192089 O 12/01/31 0 6836338 E22/G02 F 247,400.00 T 360 247,216.39 1 7.500 1,729.86 65 7.250 1,729.86 SOUTH LAKE TAHO CA 96150 5 11/05/01 00 0413206608 05 01/01/02 0 0413206608 O 12/01/31 0 6836346 E22/G02 F 47,000.00 ZZ 360 46,951.53 1 8.500 361.39 89 8.250 361.39 MEMPHIS TN 38127 2 12/05/01 10 0413216599 05 01/01/02 25 0413216599 N 12/01/31 0 6836352 E22/G02 F 189,000.00 ZZ 360 188,837.28 1 6.750 1,225.85 79 6.500 1,225.85 VAN NUYS CA 91405 5 11/26/01 00 0413218801 05 01/01/02 0 0413218801 O 12/01/31 0 6836378 E22/G02 F 288,000.00 ZZ 360 288,000.00 4 7.500 2,013.74 80 7.250 2,013.74 ANAHEIM CA 92805 1 11/29/01 00 0413256843 05 02/01/02 0 0413256843 O 01/01/32 0 6836388 E22/G02 F 176,000.00 ZZ 360 175,878.88 1 7.875 1,276.12 80 7.625 1,276.12 LONGMONT CO 80501 5 11/29/01 00 0413267113 05 01/01/02 0 0413267113 O 12/01/31 0 1 6836396 E22/G02 F 458,400.00 ZZ 360 458,400.00 2 7.125 3,088.33 80 6.875 3,088.33 REDWOOD CITY CA 94061 1 11/29/01 00 0413272923 05 02/01/02 0 0413272923 O 01/01/32 0 6836420 E22/G02 F 39,600.00 ZZ 360 39,576.01 1 8.500 304.49 90 8.250 304.49 MEMPHIS TN 38127 1 12/05/01 01 0413284514 05 01/01/02 25 0413284514 N 12/01/31 0 6836464 E22/G02 F 275,000.00 ZZ 360 274,768.97 1 6.875 1,806.55 74 6.625 1,806.55 HOUSTON TX 77006 5 11/28/01 00 0413308057 07 01/01/02 0 0413308057 O 12/01/31 0 6836472 E22/G02 F 193,250.00 ZZ 360 193,087.65 1 6.875 1,269.51 79 6.625 1,269.51 JACKSONVILLE AL 36265 2 11/30/01 00 0413311309 05 01/01/02 0 0413311309 O 12/01/31 0 6836492 E22/G02 F 571,720.00 ZZ 360 571,355.44 1 8.250 4,295.14 59 8.000 4,295.14 GROSSE POINT SH MI 48236 5 11/30/01 00 0413319955 03 01/01/02 0 0413319955 O 12/01/31 0 6836494 E22/G02 F 144,000.00 ZZ 360 143,876.02 1 6.750 933.98 80 6.500 933.98 1 SAN ANTONIO TX 78212 5 11/30/01 00 0413321076 05 01/01/02 0 0413321076 O 12/01/31 0 6836496 E22/G02 F 161,100.00 ZZ 360 161,100.00 4 8.750 1,267.37 90 8.500 1,267.37 KENNER LA 70062 2 12/05/01 04 0413321464 05 02/01/02 25 0413321464 N 01/01/32 0 6836498 E22/G02 F 138,000.00 ZZ 360 137,897.58 1 7.500 964.92 77 7.250 964.92 PT WENTWORTH GA 31407 2 11/30/01 00 0413324856 05 01/01/02 0 0413324856 O 12/01/31 0 6836510 E22/G02 F 386,700.00 ZZ 360 386,383.03 1 7.000 2,572.72 80 6.750 2,572.72 AUSTIN TX 78731 5 11/30/01 00 0413329400 05 01/01/02 0 0413329400 O 12/01/31 0 6836512 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 6.875 1,379.55 78 6.625 1,379.55 LEBANON OR 97355 5 11/29/01 00 0413330648 05 02/01/02 0 0413330648 O 01/01/32 0 6836524 E22/G02 F 96,560.00 ZZ 360 96,493.55 1 7.875 700.13 80 7.625 700.13 VERO BEACH FL 32966 5 11/30/01 00 0413338435 05 01/01/02 0 0413338435 O 12/01/31 0 1 6836532 E22/G02 F 125,900.00 ZZ 360 125,900.00 2 7.500 880.31 90 7.250 880.31 ALBUQUERQUE NM 87108 1 12/05/01 04 0413340902 05 02/01/02 25 0413340902 N 01/01/32 0 6836534 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 7.500 475.47 80 7.250 475.47 ROSWELL NM 88201 2 11/30/01 00 0413341421 05 02/01/02 0 0413341421 O 01/01/32 0 6836538 E22/G02 F 275,000.00 ZZ 360 274,795.91 1 7.500 1,922.84 80 7.250 1,922.84 CASTRO VALLEY CA 94546 5 11/29/01 00 0413342650 05 01/01/02 0 0413342650 O 12/01/31 0 6836540 E22/G02 F 97,000.00 ZZ 360 97,000.00 1 7.500 678.24 46 7.250 678.24 GRANBURY TX 76048 1 12/04/01 00 0413343799 03 02/01/02 0 0413343799 O 01/01/32 0 6836870 E82/G02 F 260,000.00 ZZ 360 259,792.08 1 7.125 1,751.67 80 6.875 1,751.67 SUGARLOAF KEY FL 33042 2 12/03/01 00 0400540829 05 01/01/02 0 3027611 O 12/01/31 0 6836872 E82/G02 F 142,000.00 ZZ 360 142,000.00 1 1 6.875 932.84 56 6.625 932.84 TAMPA FL 33606 5 12/03/01 00 0400519971 05 02/01/02 0 0400519971 O 01/01/32 0 6836894 E82/G02 F 132,400.00 ZZ 360 132,291.47 1 7.000 880.86 78 6.750 880.86 ROHNERT PARK CA 94928 2 11/30/01 00 0400535555 05 01/01/02 0 1555283 O 12/01/31 0 6836898 E82/G02 F 100,000.00 ZZ 360 99,925.79 4 7.500 699.21 60 7.250 699.21 FAIRBANKS AK 99701 1 12/05/01 00 0400540209 05 01/01/02 0 3175433 N 12/01/31 0 6837390 U05/G02 F 464,000.00 ZZ 360 464,000.00 1 7.625 3,284.16 80 7.375 3,284.16 SHINGLE SPRINGS CA 95682 1 12/19/01 00 0433544848 03 02/01/02 0 011008MM O 01/01/32 0 6837892 B60/G02 F 136,500.00 ZZ 360 136,396.14 1 7.375 942.77 69 7.125 942.77 BETHESDA MD 20816 5 11/01/01 00 0433425006 06 01/01/02 0 353641 O 12/01/31 0 6838340 U05/G02 F 190,000.00 ZZ 360 189,824.03 1 6.375 1,185.35 93 6.125 1,185.35 CITRONELLE AL 36522 5 11/13/01 11 0433499118 05 01/01/02 30 1 3177772 O 12/01/31 0 6840014 N47/G02 F 208,000.00 ZZ 360 208,000.00 1 6.875 1,366.41 80 6.625 1,366.41 BREVARD NC 28712 5 12/13/01 00 0433505823 05 02/01/02 0 40113168 O 01/01/32 0 6840994 H58/G02 F 338,000.00 ZZ 360 338,000.00 1 7.000 2,248.72 50 6.750 2,248.72 SAN DIEGO CA 92130 1 12/03/01 00 0433536372 05 02/01/02 0 0000081917 O 01/01/32 0 6842416 G97/G02 F 182,500.00 ZZ 360 182,500.00 1 7.625 1,291.72 66 7.375 1,291.72 GRAND RAPIDS MI 49506 1 12/13/01 00 0433547908 05 02/01/02 0 32017 O 01/01/32 0 6844434 B44/G02 F 174,600.00 ZZ 360 174,600.00 1 8.125 1,296.40 90 7.875 1,296.40 VALLEJO CA 94589 1 12/13/01 04 0433536901 05 02/01/02 25 3012163 O 01/01/32 0 6844850 U05/G02 F 135,000.00 ZZ 360 135,000.00 1 7.375 932.41 54 7.125 932.41 DALLAS TX 75246 5 12/14/01 00 0433522604 05 02/01/02 0 3193339 O 01/01/32 0 1 6848348 994/X14 F 450,000.00 ZZ 360 449,295.78 2 7.250 3,069.80 80 7.000 3,069.80 SEA CLIFF NY 11579 1 10/18/01 00 1000298048 05 12/01/01 0 1000298048 O 11/01/31 0 6848350 994/X14 F 562,500.00 ZZ 360 560,962.61 1 8.250 4,225.87 75 8.000 4,225.87 NAPERVILLE IL 60564 5 09/21/01 00 3918792756 03 11/01/01 0 3918792756 O 10/01/31 0 6849514 A52/G02 F 476,000.00 ZZ 360 475,711.64 1 8.500 3,660.03 70 8.250 3,660.03 DULUTH GA 30097 5 11/28/01 00 0433445939 05 01/01/02 0 17372 O 12/01/31 0 6850502 964/G02 F 152,000.00 ZZ 360 152,000.00 1 7.375 1,049.83 80 7.125 1,049.83 BALDWIN PARK CA 91706 5 12/10/01 00 0433490976 05 02/01/02 0 165378 O 01/01/32 0 6850872 U45/G02 F 156,600.00 ZZ 360 156,600.00 2 8.250 1,176.48 90 8.000 1,176.48 SALT LAKE CITY UT 84107 1 12/10/01 01 0433545381 05 02/01/02 30 6079010793 N 01/01/32 0 6856244 E22/G02 F 215,000.00 ZZ 360 215,000.00 1 7.500 1,503.31 64 7.250 1,503.31 1 SKOKIE IL 60077 5 12/04/01 00 0413090275 05 02/01/02 0 0413090275 O 01/01/32 0 6856250 E22/G02 F 99,000.00 ZZ 360 98,873.32 4 8.250 743.75 90 8.000 743.75 AIKEN SC 29801 1 10/24/01 04 0413126491 05 12/01/01 25 0413126491 N 11/01/31 0 6856254 E22/G02 F 325,000.00 ZZ 360 324,746.47 1 7.250 2,217.07 79 7.000 2,217.07 OAKLAND CA 94602 2 11/30/01 00 0413172446 05 01/01/02 0 0413172446 O 12/01/31 0 6856264 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.000 665.30 77 6.750 665.30 SYLVA NC 28779 1 12/06/01 00 0413231622 05 02/01/02 0 0413231622 O 01/01/32 0 6856272 E22/G02 F 164,000.00 ZZ 360 163,862.22 1 6.875 1,077.36 80 6.625 1,077.36 SACRAMENTO CA 95831 1 11/28/01 00 0413243007 05 01/01/02 0 0413243007 O 12/01/31 0 6856280 E22/G02 F 189,800.00 ZZ 360 189,644.43 1 7.000 1,262.74 80 6.750 1,262.74 SEVIERVILLE TN 37862 2 12/06/01 00 0413285971 05 01/01/02 0 0413258971 N 12/01/31 0 1 6856284 E22/G02 F 92,300.00 ZZ 360 92,246.90 3 8.750 726.12 90 8.500 726.12 AUGUSTA GA 30906 2 11/28/01 10 0413262866 05 01/01/02 25 0413262866 N 12/01/31 0 6856292 E22/G02 F 129,000.00 ZZ 360 128,904.26 1 7.500 901.99 80 7.250 901.99 WYLIE TX 75098 5 11/30/01 00 0413278003 05 01/01/02 0 0413278003 O 12/01/31 0 6856308 E22/G02 F 120,500.00 ZZ 360 120,401.23 1 7.000 801.69 69 6.750 801.69 SEVIERVILLE TN 37876 5 12/06/01 00 0413293010 03 01/01/02 0 0413293010 N 12/01/31 0 6856316 E22/G02 F 153,500.00 ZZ 360 153,500.00 1 7.375 1,060.19 41 7.125 1,060.19 SAN RAFAEL CA 94903 5 11/30/01 00 0413295866 01 02/01/02 0 0413295866 O 01/01/32 0 6856332 E22/G02 F 340,000.00 ZZ 360 339,692.64 1 6.500 2,149.03 65 6.250 2,149.03 PLEASANT HILL CA 94523 2 11/19/01 00 0413316027 05 01/01/02 0 0413316027 O 12/01/31 0 6856376 E22/G02 F 183,600.00 ZZ 360 183,470.42 1 1 7.750 1,315.33 90 7.500 1,315.33 AURORA CO 80010 2 11/30/01 04 0413345109 05 01/01/02 25 0413345109 O 12/01/31 0 6856402 E22/G02 F 260,100.00 ZZ 360 259,892.00 1 7.125 1,752.34 90 6.875 1,752.34 BIRMINGHAM AL 35209 1 12/06/01 10 0413373077 05 01/01/02 30 0413373077 O 12/01/31 0 6856406 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.875 1,642.32 42 6.625 1,642.32 RARITAN TOWNSHI NJ 08822 1 12/06/01 00 0413386111 05 02/01/02 0 0413386111 O 01/01/32 0 6856694 E82/G02 F 238,000.00 ZZ 360 238,000.00 1 6.750 1,543.66 80 6.500 1,543.66 LAS VEGAS NV 89118 2 12/04/01 00 0400538047 05 02/01/02 0 0400538047 O 01/01/32 0 6856696 E82/G02 F 111,900.00 ZZ 360 111,900.00 1 7.000 744.47 66 6.750 744.47 MARIETTA GA 30062 2 12/04/01 00 0400534244 05 02/01/02 0 1596443 N 01/01/32 0 6856708 E82/G02 F 131,200.00 ZZ 360 131,200.00 1 6.875 861.89 49 6.625 861.89 CERRITOS CA 90703 5 12/04/01 00 0400519781 05 02/01/02 0 1 0400519781 O 01/01/32 0 6856710 E82/G02 F 115,800.00 ZZ 360 115,800.00 1 6.500 731.93 66 6.250 731.93 APACHE JUNCTION AZ 85220 2 12/04/01 00 0400472668 05 02/01/02 0 4097584 O 01/01/32 0 6857300 A46/G02 F 56,250.00 ZZ 360 56,250.00 1 7.875 407.86 75 7.625 407.86 HOUSTON TX 77057 5 12/14/01 00 0433527264 01 02/01/02 0 0131161 N 01/01/32 0 6857568 964/G02 F 608,000.00 ZZ 360 607,489.20 1 6.875 3,994.13 80 6.625 3,994.13 LAKE OSWEGO OR 97034 5 11/20/01 00 0433445392 05 01/01/02 0 166733 O 12/01/31 0 6858164 G13/G02 F 156,000.00 ZZ 360 156,000.00 1 7.750 1,117.60 80 7.500 1,117.60 PEMBROKE PINES FL 33028 1 12/14/01 00 0433519972 05 02/01/02 0 0083250 O 01/01/32 0 6858296 196/G02 F 392,000.00 ZZ 240 391,236.00 1 6.875 3,009.83 75 6.625 3,009.83 ALISO VIEJO CA 92656 5 11/02/01 00 0433482494 03 01/01/02 0 1467282 O 12/01/21 0 1 6858378 196/G02 F 350,000.00 ZZ 360 349,705.95 1 6.875 2,299.26 80 6.625 2,299.26 CARLSBAD CA 92009 5 11/08/01 00 0433484474 03 01/01/02 0 1472941 O 12/01/31 0 6858678 E40/G02 F 361,000.00 ZZ 360 360,763.86 1 8.125 2,680.41 95 7.875 2,680.41 READING MA 01867 1 11/30/01 10 0433483666 05 01/01/02 30 200102196 O 12/01/31 0 6859920 964/G02 F 355,500.00 ZZ 360 355,215.71 1 7.125 2,395.07 63 6.875 2,395.07 PARKER CO 80134 5 11/16/01 00 0433427895 03 01/01/02 0 163371 O 12/01/31 0 6860206 L60/F27 F 105,000.00 ZZ 360 104,752.77 1 7.250 716.29 79 7.000 716.29 TAYLORS SC 29687 2 09/25/01 00 6610850098 05 11/01/01 0 6610850098 O 10/01/31 0 6860220 L60/F27 F 169,350.00 ZZ 360 169,078.35 1 7.125 1,140.94 80 6.875 1,140.94 GILBERT SC 29054 1 10/19/01 00 6610639443 03 12/01/01 0 6610639443 O 11/01/31 0 6860222 L60/F27 F 172,000.00 ZZ 360 171,278.01 1 7.875 1,247.12 80 7.625 1,247.12 1 MYERSVILLE MD 21773 1 06/28/01 00 6990320142 03 08/01/01 0 6990320142 O 07/01/31 0 6860224 L60/F27 F 189,500.00 ZZ 360 188,932.17 1 7.500 1,325.01 60 7.250 1,325.01 CALABASH NC 28467 1 08/27/01 00 6610592706 03 10/01/01 0 6610592706 O 09/01/31 0 6860226 L60/F27 F 200,000.00 ZZ 360 199,484.35 1 7.375 1,381.35 72 7.125 1,381.35 WILMINGTON NC 28412 1 09/13/01 00 6610532428 05 11/01/01 0 6610532428 O 10/01/31 0 6860228 L60/F27 F 201,250.00 ZZ 360 200,362.08 1 7.625 1,424.43 72 7.375 1,424.43 PINEHURST NC 28374 2 06/04/01 00 6610694762 05 08/01/01 0 6610694762 O 07/01/31 0 6860240 L60/F27 F 275,000.00 ZZ 360 274,175.95 1 7.500 1,922.84 70 7.250 1,922.84 BOYDTON VA 23917 1 08/10/01 00 6610457256 05 10/01/01 0 6610457256 O 09/01/31 0 6860242 L60/F27 F 285,000.00 ZZ 360 284,328.96 1 7.250 1,944.21 74 7.000 1,944.21 GARNER NC 27529 1 09/28/01 00 6990440938 03 11/01/01 0 6990440938 O 10/01/31 0 1 6860244 L60/F27 F 289,500.00 ZZ 360 288,384.96 1 7.375 1,999.50 75 7.125 1,999.50 RALEIGH NC 27613 2 07/31/01 00 6610785520 03 09/01/01 0 6610785520 O 08/01/31 0 6860256 L60/F27 F 300,000.00 ZZ 360 299,530.53 1 7.250 2,046.53 46 7.000 2,046.53 RALEIGH NC 27614 1 10/04/01 00 6610546658 03 12/01/01 0 6610546658 O 11/01/31 0 6860258 L60/F27 F 307,000.00 ZZ 360 306,495.24 1 7.000 2,042.48 74 6.750 2,042.48 WINTERVILLE NC 28590 2 10/08/01 00 6610894877 05 12/01/01 0 6610894877 O 11/01/31 0 6860264 L60/F27 F 310,000.00 ZZ 360 309,137.17 1 7.875 2,247.72 85 7.625 2,247.72 LEESBURG VA 20175 5 07/31/01 11 6990379015 05 10/01/01 12 6990379015 O 09/01/31 0 6860290 L60/F27 F 325,000.00 ZZ 360 324,239.43 1 7.375 2,244.69 79 7.125 2,244.69 SUTHERLAND VA 23885 1 09/17/01 00 6920005525 05 11/01/01 0 6920005525 O 10/01/31 0 6860300 L60/F27 F 330,000.00 ZZ 360 328,728.84 1 1 7.375 2,279.23 75 7.125 2,279.23 LITTLETON NC 27850 2 07/18/01 00 6610493430 05 09/01/01 0 6610493430 O 08/01/31 0 6860310 L60/F27 F 340,000.00 ZZ 348 339,394.42 1 7.000 2,285.24 42 6.750 2,285.24 HILTON HEAD ISL SC 29926 1 10/29/01 00 6610219967 03 12/01/01 0 6610219967 O 11/01/30 0 6860352 L60/F27 F 375,000.00 ZZ 360 374,116.97 1 7.250 2,558.16 66 7.000 2,558.16 LELAND NC 28451 2 09/24/01 00 6610835943 05 11/01/01 0 6610835943 O 10/01/31 0 6860354 L60/F27 F 376,000.00 ZZ 360 375,114.73 1 7.250 2,564.98 80 7.000 2,564.98 OLNEY MD 20832 5 09/24/01 00 6960241736 03 11/01/01 0 6960241736 O 10/01/31 0 6860362 L60/F27 F 387,250.00 ZZ 360 386,315.43 1 7.125 2,608.98 63 6.875 2,608.98 SOUTHERN SHORE NC 27949 2 09/21/01 00 6610583189 05 11/01/01 0 6610583189 O 10/01/31 0 6860368 L60/F27 F 400,000.00 ZZ 360 399,309.26 1 6.750 2,594.40 80 6.500 2,594.40 PITTSBORO NC 27312 5 10/09/01 00 6990447827 05 12/01/01 0 1 6990447827 O 11/01/31 0 6860376 L60/F27 F 405,000.00 ZZ 360 403,010.11 1 6.875 2,660.56 80 6.625 2,660.56 GERMANTOWN MD 20874 2 10/19/01 00 6920189480 03 12/01/01 0 6920189480 O 11/01/31 0 6860394 L60/F27 F 444,500.00 ZZ 360 443,838.17 1 7.500 3,108.01 68 7.250 3,108.01 ATLANTA GA 30306 5 10/09/01 00 6960093745 05 12/01/01 0 6960093745 O 11/01/31 0 6860422 L60/F27 F 520,000.00 ZZ 360 519,225.75 1 7.500 3,635.92 80 7.250 3,635.92 CROWNSVILLE MD 21032 2 10/05/01 00 6960241833 05 12/01/01 0 6960241833 O 11/01/31 0 6860424 L60/F27 F 525,000.00 ZZ 360 523,027.34 1 7.500 3,670.88 80 7.250 3,670.88 HAYMARKET VA 20169 5 07/16/01 00 6920120081 03 09/01/01 0 6920120081 O 08/01/31 0 6860430 L60/F27 F 543,750.00 ZZ 360 542,160.73 1 7.625 3,848.63 75 7.375 3,848.63 WILLIAMSBURG VA 23188 5 08/08/01 00 6920070149 05 10/01/01 0 6920070149 O 09/01/31 0 1 6860432 L60/F27 F 544,000.00 T 360 543,060.61 1 6.750 3,528.38 80 6.500 3,528.38 GREAT FALLS VA 22066 1 10/19/01 00 6990449250 05 12/01/01 0 6990449250 O 11/01/31 0 6860440 L60/F27 F 596,180.00 ZZ 360 595,175.40 1 6.875 3,916.48 75 6.625 3,916.48 EDGEWATER MD 21037 5 10/12/01 00 6960255036 03 12/01/01 0 6960255036 O 11/01/31 0 6860444 L60/F27 F 625,000.00 ZZ 360 623,480.99 1 7.125 4,210.74 72 6.875 4,210.74 ASHEVILLE NC 28803 2 09/24/01 00 6990434377 05 11/01/01 0 6990434377 O 10/01/31 0 6860448 L60/F27 F 630,000.00 T 360 627,632.85 1 7.500 4,405.05 60 7.250 4,405.05 HILTON HEAD SC 29928 5 08/09/01 00 6990388413 03 09/01/01 0 6990388413 O 08/01/31 0 6862848 L33/L33 F 151,100.00 ZZ 360 151,100.00 1 7.500 1,056.51 73 7.250 1,056.51 ALBUQUERQUE NM 87113 2 12/12/01 00 4387888 05 02/01/02 0 4387888 N 01/01/32 0 6867118 U05/G02 F 225,000.00 ZZ 360 224,639.07 1 7.125 1,515.87 67 6.875 1,515.87 1 WHITE SALMON WA 98672 2 10/30/01 00 0433482601 05 12/01/01 0 3172568 O 11/01/31 0 6867674 E57/G02 F 338,300.00 ZZ 360 338,300.00 3 7.875 2,452.91 85 7.625 2,452.91 COSTA MESA CA 92627 1 12/13/01 01 0433500089 05 02/01/02 20 01110002 N 01/01/32 0 6870730 B60/G02 F 193,500.00 ZZ 360 193,181.85 1 7.000 1,287.36 75 6.750 1,287.36 CYPRESS CA 90630 1 10/22/01 00 0433455680 09 12/01/01 0 359354 N 11/01/31 0 6870800 T44/G02 F 166,500.00 ZZ 360 166,500.00 1 8.250 1,250.86 90 8.000 1,250.86 GRASS VALLEY CA 95945 1 12/13/01 01 0433549037 05 02/01/02 25 1028322 O 01/01/32 0 6874232 B39/G02 F 539,000.00 ZZ 360 539,000.00 1 7.990 3,951.23 80 7.740 3,951.23 LONG LAKE MN 55356 1 12/11/01 00 0433495744 05 02/01/02 0 20013086F O 01/01/32 0 6875032 964/G02 F 371,200.00 ZZ 360 371,200.00 1 7.750 2,659.32 80 7.500 2,659.32 WINDSOR CA 95492 1 12/12/01 00 0433501822 05 02/01/02 0 165446 O 01/01/32 0 1 6875234 975/G02 F 160,000.00 ZZ 360 160,000.00 1 7.375 1,105.08 80 7.125 1,105.08 PLACENTIA CA 92870 1 12/21/01 00 0433545555 09 02/01/02 0 2016216 O 01/01/32 0 6875620 H58/G02 F 356,000.00 ZZ 360 356,000.00 1 7.125 2,398.44 80 6.875 2,398.44 FRESNO CA 93722 5 12/14/01 00 0433542115 05 02/01/02 0 0000083960 O 01/01/32 0 6879188 E22/G02 F 244,000.00 ZZ 360 243,795.01 1 6.875 1,602.91 80 6.625 1,602.91 BRICK TOWNSHIP NJ 08723 5 12/03/01 00 0412913725 05 01/01/02 0 0412913725 O 12/01/31 0 6879212 E22/G02 F 348,000.00 ZZ 360 347,728.53 1 7.250 2,373.97 80 7.000 2,373.97 CAVE CREEK AZ 85331 5 12/03/01 00 0413300338 05 01/01/02 0 0413200338 O 12/01/31 0 6879228 E22/G02 F 222,650.00 ZZ 360 222,650.00 1 6.875 1,462.65 59 6.625 1,462.65 SAN JOSE CA 95116 5 11/28/01 00 0413231341 05 02/01/02 0 0413231341 O 01/01/32 0 6879230 E22/G02 F 148,700.00 ZZ 360 148,602.73 1 1 8.125 1,104.09 85 7.875 1,104.09 MIAMI FL 33193 5 12/03/01 01 0413231671 05 01/01/02 12 0413231671 O 12/01/31 0 6879234 E22/G02 F 296,400.00 ZZ 360 296,400.00 1 8.000 2,174.88 95 7.750 2,174.88 NEW ORLEANS LA 70130 1 12/07/01 04 0413240920 01 02/01/02 30 0413240920 O 01/01/32 0 6879242 E22/G02 F 127,500.00 ZZ 360 127,418.70 1 8.250 957.86 75 8.000 957.86 KURE BEACH NC 28449 5 12/06/01 00 0413245184 05 01/01/02 0 0413245184 N 12/01/31 0 6879252 E22/G02 F 222,400.00 ZZ 360 222,246.95 3 7.875 1,612.55 80 7.625 1,612.55 ESTES PARK CO 80517 2 12/03/01 00 0413251935 05 01/01/02 0 0413251935 O 12/01/31 0 6879306 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.625 1,690.42 80 6.375 1,690.42 MILWAUKIE OR 97267 5 12/03/01 00 0413303397 05 02/01/02 0 0413303397 O 01/01/32 0 6879314 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 7.500 1,048.82 80 7.250 1,048.82 GREAT FALLS MT 59405 5 12/03/01 00 0413310111 05 02/01/02 0 1 0413310111 O 01/01/32 0 6879316 E22/G02 F 90,725.00 ZZ 360 90,670.04 1 8.500 697.60 95 8.250 697.60 OLD ORCHARD BEA ME 04064 1 12/03/01 04 0413310624 01 01/01/02 30 0413310624 O 12/01/31 0 6879320 E22/G02 F 161,500.00 ZZ 360 161,380.15 1 7.500 1,129.23 85 7.250 1,129.23 MIAMI FL 33175 5 12/03/01 01 0413314113 05 01/01/02 12 0413314113 O 12/01/31 0 6879330 E22/G02 F 180,500.00 ZZ 360 180,500.00 1 7.875 1,308.75 95 7.625 1,308.75 WINSLOW NJ 08081 1 12/07/01 01 0413319476 05 02/01/02 30 0413319476 O 01/01/32 0 6879338 E22/G02 F 258,000.00 ZZ 360 258,000.00 1 6.750 1,673.38 48 6.500 1,673.38 BIG SKY MT 59716 2 12/07/01 00 0413322629 21 02/01/02 0 0413322629 N 01/01/32 0 6879340 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.750 830.21 49 6.500 830.21 BIG SKY MT 59718 2 12/07/01 00 0413322645 21 02/01/02 0 0413322645 N 01/01/32 0 1 6879360 E22/G02 F 145,750.00 ZZ 360 145,641.83 1 7.500 1,019.11 85 7.250 1,019.11 TRUSSVILLE AL 35173 5 12/03/01 04 0413329251 05 01/01/02 12 0413329251 O 12/01/31 0 6879374 E22/G02 F 141,100.00 ZZ 360 141,100.00 1 7.500 986.59 85 7.250 986.59 TACOMA WA 98406 5 11/27/01 04 0413337361 05 02/01/02 12 0413337361 O 01/01/32 0 6879378 E22/G02 F 209,600.00 ZZ 360 209,600.00 1 7.625 1,483.54 80 7.375 1,483.54 ROWLETT TX 75088 5 11/30/01 00 0413338732 05 02/01/02 0 0413338732 O 01/01/32 0 6879394 E22/G02 F 151,000.00 ZZ 360 150,882.20 1 7.250 1,030.09 76 7.000 1,030.09 TAMPA FL 33626 2 12/03/01 00 0413348624 09 01/01/02 0 0413348624 O 12/01/31 0 6879406 E22/G02 F 354,400.00 ZZ 360 354,400.00 1 7.375 2,447.75 80 7.125 2,447.75 SAN JOSE CA 95124 1 12/04/01 00 0413355546 01 02/01/02 0 0413355546 O 01/01/32 0 6879422 E22/G02 F 292,000.00 ZZ 360 291,610.65 1 7.000 1,942.68 73 6.750 1,942.68 1 DELRAY BEACH FL 33444 5 12/03/01 00 0413365875 05 01/01/02 0 0413365875 O 12/01/31 0 6879426 E22/G02 F 44,100.00 ZZ 360 44,071.15 1 8.125 327.44 90 7.875 327.44 MEMPHIS TN 38108 1 12/07/01 01 0413367178 05 01/01/02 25 0413367178 N 12/01/31 0 6879434 E22/G02 F 161,850.00 T 360 161,850.00 1 8.250 1,215.92 65 8.000 1,215.92 ORLAND CA 95963 1 12/03/01 00 0413382029 05 02/01/02 0 0413382029 O 01/01/32 0 6879438 E22/G02 F 136,500.00 ZZ 360 136,500.00 1 8.750 1,073.85 65 8.500 1,073.85 ORLAND CA 95963 1 12/03/01 00 0413382136 05 02/01/02 0 0413382136 N 01/01/32 0 6879440 E22/G02 F 413,100.00 ZZ 360 413,100.00 4 8.375 3,139.86 90 8.125 3,139.86 BROOKLYN NY 11207 1 12/07/01 01 0413386103 05 02/01/02 25 0413386103 O 01/01/32 0 6879692 E82/G02 F 242,000.00 ZZ 360 242,000.00 1 6.875 1,589.77 70 6.625 1,589.77 BETHANY BEACH DE 19930 2 12/06/01 00 0400508099 03 02/01/02 0 2889790 O 01/01/32 0 1 6879710 E82/G02 F 165,600.00 ZZ 360 165,600.00 1 7.500 1,157.90 80 7.250 1,157.90 KISSIMMEE FL 34744 2 12/06/01 00 0400504064 03 02/01/02 0 2851972 O 01/01/32 0 6879714 E82/G02 F 232,200.00 ZZ 360 232,200.00 1 7.250 1,584.01 73 7.000 1,584.01 OCONOMOWOC WI 53066 2 12/06/01 00 0400537809 05 02/01/02 0 1772238 O 01/01/32 0 6879720 E82/G02 F 501,350.00 ZZ 360 501,350.00 1 7.250 3,420.09 80 7.000 3,420.09 SAN FRANCISCO CA 94131 2 12/03/01 00 0400535407 05 02/01/02 0 4390927 O 01/01/32 0 6885546 642/G02 F 400,000.00 ZZ 360 399,751.38 1 8.375 3,040.29 94 8.125 3,040.29 SILVER SPRING MD 20905 1 11/30/01 10 0433452554 05 01/01/02 30 11114101 O 12/01/31 0 6887672 E47/G02 F 108,750.00 ZZ 360 108,750.00 2 8.250 817.00 75 8.000 817.00 SACRAMENTO CA 95828 1 12/12/01 00 0433548302 05 02/01/02 0 7333011820 N 01/01/32 0 6889856 F32/G02 F 56,450.00 ZZ 360 56,450.00 1 1 8.125 419.14 65 7.875 419.14 NAVARRE FL 32566 1 12/14/01 00 0433538121 05 02/01/02 0 4015083736 N 01/01/32 0 6890416 E23/G02 F 494,400.00 ZZ 360 494,400.00 1 8.000 3,627.73 80 7.750 3,627.73 IRVINE CA 92620 1 12/13/01 00 0433522059 05 02/01/02 0 51010313 O 01/01/32 0 6890898 F89/G02 F 356,250.00 ZZ 360 356,250.00 1 7.625 2,521.52 95 7.375 2,521.52 SAN DIEGO CA 92116 1 12/12/01 04 0433535408 05 02/01/02 35 16393 O 01/01/32 0 6892364 A52/G02 F 56,250.00 ZZ 360 56,250.00 1 8.375 427.54 90 8.125 427.54 MORROW GA 30287 1 12/13/01 11 0433498581 05 02/01/02 25 17557 N 01/01/32 0 6893114 F28/G02 F 91,800.00 ZZ 360 91,609.24 1 7.875 665.61 90 7.625 665.61 ELYRIA OH 44035 1 09/27/01 04 0433434263 05 11/01/01 25 7279874 N 10/01/31 0 6893124 F28/G02 F 415,000.00 ZZ 360 414,334.29 1 7.125 2,795.93 66 6.875 2,795.93 BELLE MEAD NJ 08502 2 10/22/01 00 0433435450 05 12/01/01 0 1 7411574 O 11/01/31 0 6893138 F28/G02 F 320,000.00 ZZ 360 319,523.54 1 7.500 2,237.49 80 7.250 2,237.49 BASKING RIDGE NJ 07920 5 10/18/01 00 0433435211 05 12/01/01 0 7354550 O 11/01/31 0 6893142 F28/G02 F 196,350.00 ZZ 360 195,887.68 4 7.250 1,339.45 85 7.000 1,339.45 WEST ALLIS WI 53214 1 09/28/01 10 0433439544 05 11/01/01 12 7534714 O 10/01/31 0 6893144 F28/G02 F 72,800.00 ZZ 360 72,699.47 2 7.875 527.85 87 7.625 527.85 ST LOUIS MO 63116 1 10/17/01 12 0433433315 05 12/01/01 25 7538535 N 11/01/31 0 6893146 F28/G02 F 190,000.00 ZZ 360 189,695.21 3 7.125 1,280.07 64 6.875 1,280.07 ST PAUL MN 55107 5 10/22/01 00 0433477460 05 12/01/01 0 7525377 O 11/01/31 0 6893150 F28/G02 F 203,150.00 ZZ 360 202,671.66 1 7.250 1,385.84 85 7.000 1,385.84 GREENDALE WI 53129 1 09/28/01 10 0433433232 05 11/01/01 12 7534757 N 10/01/31 0 1 6893160 F28/G02 F 445,000.00 ZZ 360 444,652.85 1 7.250 3,035.69 80 7.000 3,035.69 AURORA IL 60504 5 11/07/01 00 0433439825 05 01/01/02 0 7665015 O 12/01/31 0 6893162 F28/G02 F 516,000.00 ZZ 360 515,130.50 1 6.875 3,389.75 78 6.625 3,389.75 LAFUNA NIGUEL CA 92677 1 10/26/01 00 0433440021 03 12/01/01 0 7720305 O 11/01/31 0 6893174 F28/G02 F 72,000.00 ZZ 360 71,903.06 4 8.000 528.31 90 7.750 528.31 ST LOUIS MO 63111 1 10/11/01 04 0433477577 05 12/01/01 25 7484009 N 11/01/31 0 6893182 F28/G02 F 393,000.00 ZZ 360 392,337.77 1 6.875 2,581.73 40 6.625 2,581.73 PASADENA CA 91107 5 10/08/01 00 0433477601 03 12/01/01 0 7492432 O 11/01/31 0 6893198 F28/G02 F 450,400.00 ZZ 360 450,065.73 3 7.500 3,149.27 77 7.250 3,149.27 DALY CITY CA 94014 1 11/02/01 00 0433446663 05 01/01/02 0 7767250 O 12/01/31 0 6893202 F28/G02 F 292,000.00 ZZ 360 291,531.59 1 7.125 1,967.26 80 6.875 1,967.26 1 HUNTINGTON BEAC CA 92648 2 10/11/01 00 0433439700 05 12/01/01 0 7511639 O 11/01/31 0 6893232 F28/G02 F 74,950.00 ZZ 360 74,527.74 3 7.875 543.44 88 7.625 543.44 EDGERTON KS 66021 1 04/12/01 10 0433477825 05 06/01/01 25 7216058 N 05/01/31 0 6893240 F28/G02 F 320,000.00 ZZ 360 319,227.73 1 7.125 2,155.90 80 6.875 2,155.90 LOS ANGELES CA 90732 1 09/06/01 00 0433440385 05 11/01/01 0 7420963 O 10/01/31 0 6893244 F28/G02 F 289,750.00 ZZ 360 289,285.20 1 7.125 1,952.10 95 6.875 1,952.10 MARIETTA GA 30062 2 10/17/01 10 0433477882 03 12/01/01 30 7420821 O 11/01/31 0 6893246 F28/G02 F 456,950.00 ZZ 360 455,805.70 1 7.375 3,156.04 77 7.125 3,156.04 REDONDO BEACH CA 90277 5 09/19/01 00 0433479953 05 11/01/01 0 7456688 O 10/01/31 0 6893274 F28/G02 F 500,000.00 ZZ 360 497,738.45 1 7.500 3,496.07 69 7.250 3,496.07 DEAL NJ 07723 5 06/27/01 00 0433428489 05 08/01/01 0 677574 O 07/01/31 0 1 6893280 F28/G02 F 350,000.00 ZZ 360 347,518.96 1 7.875 2,537.74 47 7.625 2,537.74 AMAGANSETT NY 11930 5 02/16/01 00 0433478021 05 04/01/01 0 6445516 O 03/01/31 0 6893286 F28/G02 F 230,400.00 ZZ 360 229,432.90 4 7.875 1,670.56 80 7.625 1,670.56 MIAMI BEACH FL 33141 1 06/11/01 00 0433432820 05 08/01/01 0 6758332 O 07/01/31 0 6893598 N47/G02 F 312,000.00 ZZ 360 312,000.00 1 7.500 2,181.55 80 7.250 2,181.55 JAMUL CA 91935 5 12/13/01 00 0433513645 05 02/01/02 0 30112568 O 01/01/32 0 6896180 Q99/G02 F 105,000.00 ZZ 360 105,000.00 1 8.250 788.83 70 8.000 788.83 GRIDLEY CA 95948 5 12/18/01 00 0433504404 05 02/01/02 0 1 N 01/01/32 0 6902716 E22/G02 F 121,550.00 ZZ 240 121,550.00 1 6.250 888.44 85 6.000 888.44 ST LOUIS MO 63138 5 12/03/01 01 0413091935 05 02/01/02 12 0413091935 O 01/01/22 0 6902718 E22/G02 F 178,500.00 ZZ 360 178,500.00 1 1 7.750 1,278.80 85 7.500 1,278.80 DOVER NY 12522 5 12/05/01 04 0413115502 05 02/01/02 12 0413115502 O 01/01/32 0 6902768 E22/G02 F 58,000.00 ZZ 360 58,000.00 1 8.000 425.58 69 7.750 425.58 ALBUQUERQUE NM 87120 2 12/05/01 00 0413225806 07 02/01/02 0 0413225806 N 01/01/32 0 6902770 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.750 1,297.20 67 6.500 1,297.20 LYNNWOOD WA 98037 5 12/03/01 00 0413225988 05 02/01/02 0 0413225988 O 01/01/32 0 6902772 E22/G02 F 343,500.00 ZZ 360 343,500.00 1 6.750 2,227.93 63 6.500 2,227.93 CINCINNATI OH 45243 2 12/05/01 00 0413226069 05 02/01/02 0 0413226069 O 01/01/32 0 6902786 E22/G02 F 283,500.00 ZZ 360 283,500.00 1 7.875 2,055.57 90 7.625 2,055.57 HIGHLAND RANCH CO 80126 2 12/05/01 01 0413234766 05 02/01/02 30 0413234766 O 01/01/32 0 6902792 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 7.250 3,001.58 80 7.000 3,001.58 GAINESVILLE GA 30506 5 12/05/01 00 0413242850 05 02/01/02 0 1 0413242850 O 01/01/32 0 6902798 E22/G02 F 94,905.00 ZZ 360 94,905.00 1 8.250 712.99 95 8.000 712.99 GREENACRES FL 33463 1 12/10/01 01 0413251513 05 02/01/02 30 0413251513 O 01/01/32 0 6902812 E22/G02 F 144,500.00 ZZ 360 144,500.00 1 7.875 1,047.73 85 7.625 1,047.73 VALLEJO CA 94590 5 12/04/01 01 0413262924 05 02/01/02 12 0413262924 O 01/01/32 0 6902848 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.875 591.24 79 6.625 591.24 TUCSON AZ 85710 5 11/30/01 00 0413287772 05 02/01/02 0 0413287772 O 01/01/32 0 6902864 E22/G02 F 18,000.00 ZZ 360 18,000.00 1 8.000 132.08 75 7.750 132.08 LAFAYETTE LA 70501 5 12/10/01 00 0413292640 05 02/01/02 0 0413292640 N 01/01/32 0 6902884 E22/G02 F 116,900.00 ZZ 360 116,900.00 1 7.250 797.46 77 7.000 797.46 CONROE TX 77302 2 12/03/01 00 0413299868 03 02/01/02 0 0413299868 O 01/01/32 0 1 6902886 E22/G02 F 76,300.00 ZZ 360 76,300.00 1 7.375 526.99 77 7.125 526.99 MAGNOLIA TX 77355 2 12/05/01 00 0413300302 27 02/01/02 0 0413300302 O 01/01/32 0 6902890 E22/G02 F 139,000.00 ZZ 360 139,000.00 1 7.250 948.23 85 7.000 948.23 METAIRIE LA 70003 5 12/04/01 04 0413301755 05 02/01/02 12 0413301755 O 01/01/32 0 6902906 E22/G02 F 133,000.00 ZZ 360 133,000.00 1 7.250 907.29 52 7.000 907.29 CLARKSTON MI 48348 2 12/05/01 00 0413306812 05 02/01/02 0 0413306812 O 01/01/32 0 6902970 E22/G02 F 83,000.00 ZZ 360 83,000.00 1 8.000 609.02 90 7.750 609.02 ROSELLE NJ 07203 1 12/10/01 04 0413318676 05 02/01/02 25 0413318676 N 01/01/32 0 6902974 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 7.250 1,125.59 43 7.000 1,125.59 DUBLIN CA 94568 5 12/05/01 00 0413318924 05 02/01/02 0 0413318924 O 01/01/32 0 6902978 E22/G02 F 407,200.00 ZZ 360 407,200.00 1 7.750 2,917.23 80 7.500 2,917.23 1 ANN ARBOR MI 48104 5 12/04/01 00 0413322538 05 02/01/02 0 0413322538 O 01/01/32 0 6902980 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 7.250 1,023.26 84 7.000 1,023.26 WYANDANCH NY 11798 5 12/05/01 04 0413322702 05 02/01/02 12 0413322702 O 01/01/32 0 6902984 E22/G02 F 249,000.00 ZZ 360 249,000.00 1 7.625 1,762.41 78 7.375 1,762.41 NEVADA CITY CA 95959 2 11/27/01 00 0413324294 05 02/01/02 0 0413324294 O 01/01/32 0 6902986 E22/G02 F 89,000.00 ZZ 360 89,000.00 1 6.750 577.25 70 6.500 577.25 BOCA RATON FL 33428 2 12/04/01 00 0413324674 09 02/01/02 0 0413324674 O 01/01/32 0 6902990 E22/G02 F 71,250.00 ZZ 360 71,250.00 1 7.000 474.03 95 6.750 474.03 CLIFTON ME 04428 1 12/10/01 04 0413326448 05 02/01/02 30 0413326448 O 01/01/32 0 6903010 E22/G02 F 52,650.00 ZZ 360 52,620.48 1 8.875 418.91 90 8.625 418.91 KANSAS CITY MO 64111 1 12/06/01 01 0413333063 05 01/01/02 25 0413333063 N 12/01/31 0 1 6903012 E22/G02 F 275,000.00 ZZ 360 275,000.00 1 6.875 1,806.55 75 6.625 1,806.55 COLLEYVILLE TX 76034 5 12/05/01 00 0413334657 05 02/01/02 0 0413334657 O 01/01/32 0 6903016 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 7.875 1,740.17 75 7.625 1,740.17 MARSTON MILLS MA 02632 2 12/05/01 00 0413335944 05 02/01/02 0 0413335944 O 01/01/32 0 6903064 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 8.375 638.46 80 8.125 638.46 FORT WORTH TX 76116 5 12/05/01 00 0413357286 05 02/01/02 0 0413357286 O 01/01/32 0 6903072 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.875 1,024.81 80 6.625 1,024.81 PLANO TX 75025 5 12/05/01 00 0413359837 05 02/01/02 0 0413359837 O 01/01/32 0 6903076 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 7.250 1,364.35 80 7.000 1,364.35 HOUSTON TX 77079 5 12/04/01 00 0413360389 03 02/01/02 0 0413360389 O 01/01/32 0 6903362 E82/G02 F 133,700.00 ZZ 360 133,700.00 1 1 6.625 856.10 49 6.375 856.10 DENVER CO 80222 2 12/07/01 00 0400533998 09 02/01/02 0 1673931 O 01/01/32 0 6903370 E82/G02 F 86,450.00 ZZ 360 86,450.00 1 6.250 532.29 80 6.000 532.29 NORTH LAS VEGAS NV 89031 2 12/12/01 00 0400545075 05 02/01/02 0 1680453 N 01/01/32 0 6903372 E82/G02 F 212,100.00 ZZ 360 212,100.00 1 6.625 1,358.10 64 6.375 1,358.10 KEY WEST FL 33040 2 12/07/01 00 0400550174 05 02/01/02 0 3904785 O 01/01/32 0 6903374 E82/G02 F 153,000.00 ZZ 360 153,000.00 1 7.375 1,056.73 51 7.125 1,056.73 EDWARDS CO 81632 5 12/07/01 00 0400525788 09 02/01/02 0 0400525788 O 01/01/32 0 6903388 E82/G02 F 152,800.00 ZZ 360 152,800.00 1 7.125 1,029.44 80 6.875 1,029.44 RALEIGH NC 27614 2 12/06/01 00 0400500914 03 02/01/02 0 1974500 O 01/01/32 0 6903392 E82/G02 F 142,900.00 ZZ 360 142,900.00 1 6.875 938.75 65 6.625 938.75 RENTON WA 98055 2 12/07/01 00 0400541033 05 02/01/02 0 1 0400541033 N 01/01/32 0 6904642 P09/G02 F 156,000.00 ZZ 360 156,000.00 1 6.850 1,022.20 52 6.600 1,022.20 SILVER SPRING MD 20901 5 12/21/01 00 0433500410 05 02/01/02 0 YALE N 01/01/32 0 6905030 E23/G02 F 400,000.00 ZZ 360 399,672.12 1 7.000 2,661.21 80 6.750 2,661.21 THOUSAND OAKS CA 91361 2 11/16/01 00 0433468071 03 01/01/02 0 51008711 O 12/01/31 0 6907216 B28/G02 F 176,000.00 ZZ 360 175,717.68 1 7.125 1,185.74 80 6.875 1,185.74 WESTMINSTER CO 80031 1 10/16/01 00 0433483344 05 12/01/01 0 01500079 O 11/01/31 0 6907230 E23/G02 F 525,000.00 ZZ 360 524,610.37 1 7.500 3,670.88 62 7.250 3,670.88 SAN JOSE CA 95148 1 11/27/01 00 0433503349 05 01/01/02 0 61002812 O 12/01/31 0 6908022 975/G02 F 443,250.00 ZZ 360 443,250.00 1 7.375 3,061.42 75 7.125 3,061.42 TORRANCE CA 90505 1 12/11/01 00 0433527330 05 02/01/02 0 2015950 O 01/01/32 0 1 6911764 E60/G02 F 260,000.00 ZZ 360 260,000.00 1 7.625 1,840.27 79 7.375 1,840.27 PASO ROBLES CA 93446 5 12/13/01 00 0433517463 05 02/01/02 0 513902 O 01/01/32 0 6914362 P01/G02 F 50,250.00 ZZ 360 50,250.00 1 8.625 390.84 75 8.375 390.84 HUDSON FALLS NY 12839 5 12/31/01 00 0433530524 05 02/01/02 0 01007981 N 01/01/32 0 6916376 076/076 F 535,000.00 ZZ 360 534,098.49 1 6.875 3,514.57 79 6.625 3,514.57 JERICHO NY 11753 2 10/18/01 00 0033021 01 12/01/01 0 0033021 O 11/01/31 0 6916378 076/076 F 216,000.00 ZZ 360 215,862.26 3 8.250 1,622.74 90 8.000 1,622.74 METHUEN MA 01844 1 11/09/01 10 0218557 05 01/01/02 25 0218557 N 12/01/31 0 6916384 076/076 F 400,000.00 ZZ 360 399,387.89 1 7.500 2,796.86 73 7.250 2,796.86 ALACHUA FL 32615 5 11/01/01 00 0835726 05 12/01/01 0 0835726 O 11/01/31 0 6916388 076/076 F 208,500.00 ZZ 360 208,157.18 1 7.000 1,387.16 75 6.750 1,387.16 1 MONTGOMERY AL 36116 2 10/04/01 00 1456060 05 12/01/01 0 1456060 O 11/01/31 0 6916390 076/076 F 256,500.00 ZZ 240 255,058.46 1 7.250 2,027.31 88 7.000 2,027.31 NAPERVILLE IL 60540 1 09/21/01 10 1649944 07 11/01/01 12 1649944 O 10/01/21 0 6916392 076/076 F 119,000.00 ZZ 360 118,851.54 4 8.375 904.49 89 8.125 904.49 KALAMAZOO MI 49007 2 10/19/01 12 1652190 05 12/01/01 25 1652190 N 11/01/31 0 6916394 076/076 F 108,000.00 ZZ 360 107,835.13 1 7.375 745.93 72 7.125 745.93 LOXLEY AL 36551 2 10/05/01 00 1659530 05 12/01/01 0 1659530 O 11/01/31 0 6916396 076/076 F 212,000.00 ZZ 360 211,513.06 1 7.375 1,464.24 80 7.125 1,464.24 LAUDERDALE BY T FL 33308 1 10/03/01 00 1715087 08 11/01/01 0 1715087 O 10/01/31 0 6916400 076/076 F 334,800.00 ZZ 360 334,011.71 1 7.250 2,283.93 80 7.000 2,283.93 NEWTON MA 02459 1 09/28/01 00 1750910 05 11/01/01 0 1750910 O 10/01/31 0 1 6916402 076/076 F 275,000.00 ZZ 360 274,227.77 1 7.250 1,875.98 77 7.000 1,875.98 DAVISON MI 48423 1 09/21/01 00 1767518 05 11/01/01 0 1767518 O 10/01/31 0 6916404 076/076 F 260,000.00 T 360 259,445.90 1 7.750 1,862.68 80 7.500 1,862.68 ELK RAPIDS MI 49629 1 09/27/01 00 1775824 05 11/01/01 0 1775824 O 10/01/31 0 6916410 076/076 F 470,000.00 ZZ 360 469,317.50 1 7.625 3,326.63 75 7.375 3,326.63 LINCOLNWOOD IL 60712 2 10/26/01 00 1811355 05 12/01/01 0 1811355 O 11/01/31 0 6916412 076/076 F 59,500.00 ZZ 240 59,284.42 2 7.500 479.33 50 7.250 479.33 FREMONT NE 68025 2 10/16/01 00 1812687 05 12/01/01 0 1812687 N 11/01/21 0 6916414 076/076 F 230,000.00 ZZ 360 229,690.31 4 8.000 1,687.66 94 7.750 1,687.66 ALSIP IL 60803 2 10/26/01 10 1816938 05 12/01/01 35 1816938 O 11/01/31 0 6916416 076/076 F 278,000.00 ZZ 360 277,653.21 1 1 8.375 2,113.00 39 8.125 2,113.00 GLENVIEW IL 60025 2 10/24/01 00 1822892 05 12/01/01 0 1822892 O 11/01/31 0 6916418 076/076 F 148,500.00 ZZ 360 148,284.34 4 7.625 1,051.08 90 7.375 1,051.08 COLLEGE STATION TX 77840 1 10/25/01 10 1832020 05 12/01/01 25 1832020 N 11/01/31 0 6916420 076/076 F 385,894.00 ZZ 360 385,184.25 1 7.125 2,599.84 80 6.875 2,599.84 LIBERTYVILLE IL 60048 5 10/19/01 00 1833822 05 12/01/01 0 1833822 O 11/01/31 0 6916422 076/076 F 319,000.00 ZZ 360 310,973.82 1 8.375 2,424.63 70 8.125 2,424.63 WESTERN SPRINGS IL 60558 2 10/24/01 00 1987819 05 12/01/01 0 1987819 O 11/01/31 0 6916426 076/076 F 441,600.00 ZZ 360 440,990.19 1 7.875 3,201.91 80 7.625 3,201.91 WEST NEWBURY MA 01985 1 10/29/01 00 2078115 05 12/01/01 0 2078115 O 11/01/31 0 6916428 076/076 F 262,300.00 ZZ 240 260,891.70 1 7.625 2,133.16 66 7.375 2,133.16 CABOT AR 72023 2 09/06/01 00 5630374 05 11/01/01 0 1 5630374 O 10/01/21 0 6916430 076/076 F 203,000.00 ZZ 360 202,618.81 1 8.375 1,542.95 62 8.125 1,542.95 DES PLAINES IL 60016 2 09/05/01 00 5768133 05 11/01/01 0 5768133 O 10/01/31 0 6916676 076/076 F 352,000.00 ZZ 360 351,513.93 1 7.875 2,552.24 80 7.625 2,552.24 BATON ROUGE LA 70810 2 10/25/01 00 1976852 05 12/01/01 0 1976852 O 11/01/31 0 6917048 N47/G02 F 360,000.00 ZZ 360 360,000.00 1 7.625 2,548.06 80 7.375 2,548.06 CHULA VISTA CA 91913 5 12/17/01 00 0433524733 03 02/01/02 0 30111821 O 01/01/32 0 6920188 N47/G02 F 225,000.00 ZZ 360 225,000.00 1 7.250 1,534.90 60 7.000 1,534.90 TRACY CA 95376 1 12/14/01 00 0433511151 05 02/01/02 0 20510773 O 01/01/32 0 6920472 313/G02 F 123,300.00 ZZ 360 123,300.00 1 7.500 862.14 90 7.250 862.14 GILBERT AZ 85234 1 12/14/01 10 0433527165 03 02/01/02 25 0008525438 N 01/01/32 0 1 6920780 X05/G02 F 180,000.00 ZZ 360 180,000.00 1 7.750 1,289.54 80 7.500 1,289.54 SAN DIEGO CA 92119 5 12/13/01 00 0433504024 01 02/01/02 0 01111261 O 01/01/32 0 6921006 A50/G02 F 334,000.00 ZZ 360 333,423.24 1 6.750 2,166.32 80 6.500 2,166.32 OOLTEWAH TN 37363 2 11/07/01 00 0433461993 05 12/01/01 0 0159836448 O 11/01/31 0 6922446 M24/G02 F 242,000.00 ZZ 360 241,791.64 1 6.750 1,569.61 61 6.500 1,569.61 GLENDALE CA 91208 2 11/13/01 00 0433488798 05 01/01/02 0 552711731 O 12/01/31 0 6924612 E22/G02 F 229,100.00 ZZ 360 229,100.00 4 8.000 1,681.05 95 7.750 1,681.05 COLORADO SPRING CO 80907 1 12/10/01 01 0413201948 05 02/01/02 30 0413201948 O 01/01/32 0 6924626 E22/G02 F 128,250.00 ZZ 360 128,250.00 1 7.500 896.74 90 7.250 896.74 CHATTAROY WA 99003 2 12/03/01 04 0413217878 05 02/01/02 25 0413217878 O 01/01/32 0 6924630 E22/G02 F 95,000.00 ZZ 360 94,937.85 1 8.125 705.38 74 7.875 705.38 1 WESTON FL 33327 5 11/13/01 00 0413222373 09 01/01/02 0 0413222373 N 12/01/31 0 6924656 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.750 1,297.20 76 6.500 1,297.20 HARBOR SPRINGS MI 49740 1 12/11/01 00 0413252123 01 02/01/02 0 0413252123 N 01/01/32 0 6924674 E22/G02 F 227,000.00 ZZ 360 227,000.00 1 6.875 1,491.23 55 6.625 1,491.23 EL CERRITO CA 94530 5 12/03/01 00 0413284928 05 02/01/02 0 0413284928 O 01/01/32 0 6924684 E22/G02 F 111,950.00 ZZ 360 111,950.00 1 7.375 773.21 80 7.125 773.21 HOUSTON TX 77092 5 12/03/01 00 0413298340 05 02/01/02 0 0413298340 O 01/01/32 0 6924690 E22/G02 F 266,000.00 ZZ 360 266,000.00 1 6.875 1,747.43 79 6.625 1,747.43 GOLDEN CO 80403 5 12/05/01 00 0413303108 05 02/01/02 0 0413303108 O 01/01/32 0 6924726 E22/G02 F 198,000.00 ZZ 360 198,000.00 4 7.875 1,435.64 90 7.625 1,435.64 HOUSTON TX 77006 1 12/11/01 04 0413325317 05 02/01/02 25 0413325317 N 01/01/32 0 1 6924730 E22/G02 F 178,600.00 ZZ 360 178,600.00 1 7.250 1,218.37 95 7.000 1,218.37 DENVER CO 80239 5 12/05/01 04 0413329681 05 02/01/02 30 0413329681 O 01/01/32 0 6924778 E22/G02 F 74,750.00 ZZ 360 74,750.00 4 8.125 555.02 65 7.875 555.02 SAN ANTONIO TX 78212 5 12/11/01 00 0413362252 05 02/01/02 0 0413362252 N 01/01/32 0 6924780 E22/G02 F 153,000.00 ZZ 360 153,000.00 1 7.250 1,043.73 90 7.000 1,043.73 RIO LINDA CA 95673 5 12/03/01 01 0413362708 05 02/01/02 25 0413362708 O 01/01/32 0 6924784 E22/G02 F 104,400.00 ZZ 360 104,400.00 1 8.750 821.32 90 8.500 821.32 FARMERS BRANCH TX 75234 1 12/11/01 04 0413364126 05 02/01/02 25 0413364126 O 01/01/32 0 6924786 E22/G02 F 191,900.00 ZZ 360 191,900.00 1 7.500 1,341.79 95 7.250 1,341.79 DRAPER UT 84020 2 12/04/01 04 0413366287 05 02/01/02 30 0413366287 O 01/01/32 0 6924788 E22/G02 F 122,000.00 ZZ 360 122,000.00 1 1 7.000 811.67 83 6.750 811.67 SACRAMENTO CA 95826 5 12/04/01 01 0413366592 05 02/01/02 12 0413366592 O 01/01/32 0 6924804 E22/G02 F 341,250.00 ZZ 360 341,250.00 1 7.625 2,415.35 75 7.375 2,415.35 CONCORD CA 94518 5 12/03/01 00 0413373606 05 02/01/02 0 0413373606 O 01/01/32 0 6924820 E22/G02 F 439,200.00 ZZ 360 439,200.00 1 7.250 2,996.12 80 7.000 2,996.12 REDWOOD CITY CA 94068 1 12/05/01 00 0413378050 05 02/01/02 0 0413378050 O 01/01/32 0 6924826 E22/G02 F 61,200.00 ZZ 240 61,200.00 2 8.375 526.28 90 8.125 526.28 NEW ORLEANS LA 70119 1 12/11/01 04 0413382458 05 02/01/02 25 0413382458 N 01/01/22 0 6924834 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 7.375 773.56 72 7.125 773.56 LEBANON OR 97355 1 12/06/01 00 0413402074 27 02/01/02 0 0413402074 O 01/01/32 0 6925448 E82/G02 F 67,000.00 ZZ 360 67,000.00 1 7.125 451.39 42 6.875 451.39 LOS ANGELES CA 90041 2 12/04/01 00 0400524591 05 02/01/02 0 1 1522559 O 01/01/32 0 6925454 E82/G02 F 227,200.00 ZZ 360 227,200.00 1 6.750 1,473.61 80 6.500 1,473.61 COLORADO SPRING CO 80906 1 12/13/01 00 0400550901 03 02/01/02 0 0400550901 O 01/01/32 0 6925464 E82/G02 F 200,300.00 ZZ 360 200,300.00 1 7.375 1,383.42 63 7.125 1,383.42 SAN PEDRO AREA CA 90732 2 12/07/01 00 0400531273 05 02/01/02 0 0400531273 N 01/01/32 0 6925466 E82/G02 F 136,000.00 ZZ 360 136,000.00 4 7.625 962.60 80 7.375 962.60 JOLIET IL 60436 2 12/10/01 00 0400508594 05 02/01/02 0 0400508594 N 01/01/32 0 6928064 E82/G02 F 138,500.78 ZZ 360 138,258.58 1 6.625 886.84 80 6.375 886.84 SILVER SPRI MD 20904 2 11/30/01 00 0400510772 05 01/01/02 0 1626000 O 12/01/31 0 6930646 R84/G02 F 179,100.00 ZZ 360 179,100.00 4 8.375 1,361.29 90 8.125 1,361.29 TACOMA WA 98467 1 12/19/01 11 0433538642 05 02/01/02 25 WA818125 N 01/01/32 0 1 6931838 X19/G02 F 162,000.00 ZZ 360 162,000.00 1 7.125 1,091.42 65 6.875 1,091.42 CARMEL NY 10512 2 12/20/01 00 0433500675 05 02/01/02 0 21110503 O 01/01/32 0 6932836 950/G02 F 112,000.00 ZZ 360 112,000.00 1 8.125 831.60 80 7.875 831.60 MONROE WA 98272 1 12/17/01 00 0433549409 05 02/01/02 0 E4111033 N 01/01/32 0 6936814 N47/G02 F 200,000.00 ZZ 360 200,000.00 1 7.250 1,364.35 79 7.000 1,364.35 UNION CITY CA 94587 1 12/17/01 00 0433513835 09 02/01/02 0 20312056 O 01/01/32 0 6939578 U05/G02 F 290,950.00 ZZ 360 290,950.00 1 8.125 2,160.30 90 7.875 2,160.30 NORTH AURORA IL 60542 1 12/18/01 10 0433520616 05 02/01/02 25 3173105 O 01/01/32 0 6940658 975/G02 F 400,000.00 ZZ 360 400,000.00 1 7.375 2,762.70 75 7.125 2,762.70 WALNUT CA 91789 5 12/13/01 00 0433517158 05 02/01/02 0 2015359 O 01/01/32 0 6943920 676/G02 F 410,000.00 ZZ 360 410,000.00 1 7.750 2,937.30 69 7.500 2,937.30 1 HONOLULU HI 96816 1 11/29/01 00 0433478526 05 02/01/02 0 6001687940 O 01/01/32 0 6944062 M82/G02 F 189,000.00 ZZ 360 189,000.00 1 7.750 1,354.02 85 7.500 1,354.02 GAINESVILLE GA 30506 2 12/05/01 10 0433486933 03 02/01/02 12 10116 O 01/01/32 0 6944292 700/G02 F 170,000.00 ZZ 360 169,850.01 1 6.625 1,088.53 55 6.375 1,088.53 LAGUNA NIGUEL CA 92677 1 11/16/01 00 0433489762 01 01/01/02 0 00263258 O 12/01/31 0 6944374 U96/G02 F 348,250.00 ZZ 360 348,250.00 1 7.875 2,525.05 78 7.625 2,525.05 HONOLULU HI 96819 2 12/03/01 00 0433497708 05 02/01/02 0 11100040 N 01/01/32 0 6944504 Q57/G02 F 155,000.00 ZZ 360 154,876.05 1 7.125 1,044.26 52 6.875 1,044.26 ROWLAND HEIGHTS CA 91748 5 11/21/01 00 0433510229 05 01/01/02 0 46100005 O 12/01/31 0 6944632 G13/G02 F 185,000.00 ZZ 360 185,000.00 1 6.875 1,215.32 59 6.625 1,215.32 TEMPLE CITY CA 91780 5 12/03/01 00 0433469707 05 02/01/02 0 0082750 O 01/01/32 0 1 6944756 U05/G02 F 102,000.00 ZZ 360 101,920.43 1 7.250 695.82 80 7.000 695.82 GUNTER TX 75058 1 11/30/01 00 0433477445 05 01/01/02 0 3188783 N 12/01/31 0 6944796 700/G02 F 430,000.00 ZZ 360 430,000.00 1 6.625 2,753.34 79 6.375 2,753.34 GOLETA CA 93117 5 12/06/01 00 0433501749 05 02/01/02 0 0000169459 O 01/01/32 0 6944952 Q59/G02 F 208,000.00 ZZ 360 208,000.00 1 7.875 1,508.14 80 7.625 1,508.14 LOS ANGELES CA 91304 5 12/03/01 00 0433479474 05 02/01/02 0 304206 O 01/01/32 0 6946504 W93/G02 F 387,500.00 ZZ 360 387,174.45 1 6.875 2,545.60 78 6.625 2,545.60 MILPITAS CA 95035 5 11/16/01 00 0433507654 05 01/01/02 0 21355648 O 12/01/31 0 6947006 E22/G02 F 83,300.00 ZZ 360 83,300.00 1 7.875 603.98 85 7.625 603.98 METAIRIE LA 70005 2 12/12/01 01 0413134743 05 02/01/02 20 0413134743 N 01/01/32 0 6947012 E22/G02 F 194,400.00 ZZ 360 194,400.00 1 1 7.875 1,409.53 90 7.625 1,409.53 MIAMI FL 33182 1 12/12/01 01 0413175035 05 02/01/02 30 0413175035 O 01/01/32 0 6947014 E22/G02 F 127,750.00 ZZ 360 127,564.48 1 7.625 904.21 78 7.375 904.21 LAKELAND FL 33809 2 10/30/01 00 0413175621 05 12/01/01 0 0413175621 O 11/01/31 0 6947018 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 7.250 1,064.19 80 7.000 1,064.19 AURORA CO 80017 5 12/07/01 00 0413197013 05 02/01/02 0 0413197013 O 01/01/32 0 6947030 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 7.500 797.10 79 7.250 797.10 SACRAMENTO CA 95842 2 12/07/01 00 0413222829 05 02/01/02 0 0413222829 O 01/01/32 0 6947046 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 7.125 808.46 80 6.875 808.46 BEAVERTON OR 97005 1 12/05/01 00 0413238197 05 02/01/02 0 0413238197 N 01/01/32 0 6947048 E22/G02 F 142,000.00 ZZ 360 141,877.74 1 6.750 921.01 80 6.500 921.01 RED BLUFF CA 96080 2 11/29/01 00 0413238510 05 01/01/02 0 1 0413238510 O 12/01/31 0 6947068 E22/G02 F 155,000.00 ZZ 360 155,000.00 1 8.250 1,164.46 78 8.000 1,164.46 PLAINVILLE CT 06062 5 12/12/01 00 0413278268 05 02/01/02 0 0413278268 N 01/01/32 0 6947110 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 6.875 755.47 47 6.625 755.47 SANTA ANA CA 92706 2 12/06/01 00 0413310087 05 02/01/02 0 0413310087 N 01/01/32 0 6947118 E22/G02 F 422,500.00 ZZ 360 422,500.00 1 6.750 2,740.33 85 6.500 2,740.33 ALPINE UT 84004 2 12/07/01 04 0413312836 05 02/01/02 12 0413312836 O 01/01/32 0 6947120 E22/G02 F 230,000.00 ZZ 360 230,000.00 4 7.375 1,588.55 66 7.125 1,588.55 BUENA PARK CA 90620 2 12/04/01 00 0413314212 05 02/01/02 0 0413314212 N 01/01/32 0 6947136 E22/G02 F 126,800.00 ZZ 360 126,800.00 1 6.875 832.99 80 6.625 832.99 CARROLLTON TX 78010 5 12/05/01 00 0413322462 05 02/01/02 0 0413322462 O 01/01/32 0 1 6947144 E22/G02 F 258,500.00 ZZ 360 258,500.00 2 7.125 1,741.56 68 6.875 1,741.56 WALTHAM MA 02453 5 12/07/01 00 0413325366 05 02/01/02 0 0413325366 O 01/01/32 0 6947148 E22/G02 F 270,000.00 ZZ 360 269,778.68 1 7.000 1,796.32 90 6.750 1,796.32 VAN NUYS CA 91406 5 11/26/01 04 0413327313 05 01/01/02 25 0413327313 O 12/01/31 0 6947162 E22/G02 F 98,000.00 ZZ 360 98,000.00 1 7.125 660.24 66 6.875 660.24 BURNET TX 78611 5 12/07/01 00 0413332628 03 02/01/02 0 0413332628 O 01/01/32 0 6947176 E22/G02 F 102,600.00 ZZ 360 102,600.00 1 7.500 717.39 95 7.250 717.39 OKLAHOMA CITY OK 73162 2 12/04/01 01 0413335902 05 02/01/02 30 0413335902 O 01/01/32 0 6947180 E22/G02 F 147,500.00 ZZ 360 147,500.00 1 7.750 1,056.71 66 7.500 1,056.71 BRIGHTON MI 48114 2 12/07/01 00 0413338245 05 02/01/02 0 0413338245 O 01/01/32 0 6947186 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 7.125 970.15 80 6.875 970.15 1 HERMISTON OR 97838 2 12/04/01 00 0413340282 05 02/01/02 0 0413340282 O 01/01/32 0 6947196 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 7.250 873.19 80 7.000 873.19 STREAMWOOD IL 60107 5 12/07/01 00 0413343971 03 02/01/02 0 0413343971 O 01/01/32 0 6947222 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 7.875 609.06 80 7.625 609.06 PUEBLO WEST CO 81007 4 12/07/01 00 0413357237 05 02/01/02 0 0413357237 N 01/01/32 0 6947232 E22/G02 F 274,500.00 ZZ 360 274,500.00 1 7.000 1,826.26 90 6.750 1,826.26 FAIR OAKS CA 95628 5 12/04/01 01 0413365925 05 02/01/02 25 0413365925 O 01/01/32 0 6947236 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 6.875 1,609.48 85 6.625 1,609.48 WESTMINSTER CA 92683 5 12/06/01 04 0413367988 05 02/01/02 12 0413367988 O 01/01/32 0 6947260 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 7.750 1,217.90 49 7.500 1,217.90 EAST BRIDGEWATE MA 02333 5 12/07/01 00 0413378316 05 02/01/02 0 0413378316 O 01/01/32 0 1 6947270 E22/G02 F 110,500.00 ZZ 360 110,500.00 1 7.500 772.63 70 7.250 772.63 EAST PROVIDENCE RI 02915 5 12/07/01 00 0413382524 05 02/01/02 0 0413382524 O 01/01/32 0 6947288 E22/G02 F 116,700.00 ZZ 360 116,700.00 1 7.500 815.98 80 7.250 815.98 NEW PORT RICHEY FL 34655 1 12/13/01 00 0413401076 03 02/01/02 0 0413401076 O 01/01/32 0 6947512 E82/G02 F 193,400.00 ZZ 360 193,400.00 1 6.875 1,270.50 54 6.625 1,270.50 BRONX NY 10465 2 12/07/01 00 0400513602 05 02/01/02 0 1781214 O 01/01/32 0 6947518 E82/G02 F 208,000.00 ZZ 360 208,000.00 1 7.625 1,472.21 67 7.375 1,472.21 BROOKLYN NY 11216 2 12/11/01 00 0400517629 07 02/01/02 0 0400517629 N 01/01/32 0 6949410 313/G02 F 495,000.00 ZZ 360 494,281.19 1 7.625 3,503.58 90 7.375 3,503.58 ALEXANDRIA VA 22312 1 11/02/01 10 0433452679 05 12/01/01 25 8396277 O 11/01/31 0 6949436 313/G02 F 505,000.00 ZZ 360 504,606.04 1 1 7.250 3,445.00 58 7.000 3,445.00 LOS ANGELES CA 90064 5 11/07/01 00 0433467990 05 01/01/02 0 8478893 O 12/01/31 0 6949498 313/G02 F 424,000.00 ZZ 360 423,634.94 1 6.750 2,750.06 80 6.500 2,750.06 BRASELTON GA 30517 2 11/20/01 00 0433458981 03 01/01/02 0 8492498 O 12/01/31 0 6949528 313/G02 F 394,000.00 ZZ 360 393,692.64 2 7.250 2,687.78 53 7.000 2,687.78 CAMBRIDGE MA 02138 5 11/08/01 00 0433465663 05 01/01/02 0 8401036 O 12/01/31 0 6949530 313/G02 F 388,800.00 ZZ 360 388,465.25 1 6.750 2,521.75 80 6.500 2,521.75 MARIETTA GA 30066 2 11/06/01 00 0433454642 03 01/01/02 0 8437709 O 12/01/31 0 6949628 313/G02 F 403,000.00 ZZ 360 402,653.02 1 6.750 2,613.86 78 6.500 2,613.86 COHASSET MA 02025 5 11/20/01 00 0433461399 05 01/01/02 0 8434193 O 12/01/31 0 6950218 Q99/G02 F 277,500.00 ZZ 360 277,500.00 1 7.500 1,940.32 75 7.250 1,940.32 STRATHAM NH 03885 5 01/02/02 00 0433519204 05 02/01/02 0 1 1 O 01/01/32 0 6950700 U05/G02 F 300,700.00 ZZ 360 300,700.00 1 8.375 2,285.54 78 8.125 2,285.54 OLNEY MD 20832 5 12/21/01 00 0433539608 03 02/01/02 0 3192450 O 01/01/32 0 6950804 069/G02 F 105,600.00 ZZ 360 105,532.66 1 8.250 793.34 80 8.000 793.34 GUADALUPE CA 93434 1 11/19/01 00 0433445541 05 01/01/02 0 88240486 O 12/01/31 0 6952684 069/G02 F 95,500.00 ZZ 360 95,413.66 1 6.500 603.63 44 6.250 603.63 LOS ANGELES CA 91316 2 11/13/01 00 0433445863 05 01/01/02 0 88226915 N 12/01/31 0 6956076 950/G02 F 105,600.00 ZZ 360 105,600.00 2 7.875 765.67 71 7.625 765.67 OMAK WA 98841 5 12/18/01 00 0433523149 05 02/01/01 0 110046 N 01/01/31 0 6957260 U28/G02 F 218,400.00 ZZ 360 218,400.00 1 7.500 1,527.08 70 7.250 1,527.08 CANTON GA 30116 1 12/21/01 00 0433529310 03 02/01/02 0 1 O 01/01/32 0 1 6957306 K15/G02 F 152,800.00 ZZ 360 152,800.00 1 7.625 1,081.51 77 7.375 1,081.51 OAKLAND CA 94621 5 12/19/01 00 0433531217 05 02/01/02 0 026605303510 O 01/01/32 0 6957526 950/G02 F 105,600.00 ZZ 360 105,600.00 2 7.875 765.67 71 7.625 765.67 OMAK WA 98841 5 12/17/01 00 0433537966 05 02/01/02 0 EG111057 N 01/01/32 0 6957816 B57/G02 F 231,200.00 ZZ 360 231,200.00 2 7.250 1,577.19 80 7.000 1,577.19 LOS ANGELES CA 90029 1 12/18/01 00 0433542875 05 02/01/02 0 2119014 N 01/01/32 0 6957890 U42/G02 F 301,200.00 ZZ 360 300,992.72 1 7.875 2,183.91 56 7.625 2,183.91 MARBLE FALLS TX 78654 2 11/20/01 00 0433489036 03 01/01/02 0 10101226 O 12/01/31 0 6958062 F96/G02 F 175,750.00 ZZ 360 175,750.00 2 8.500 1,351.37 95 8.250 1,351.37 NEWARK NJ 07106 1 12/18/01 12 0433504669 05 02/01/02 30 0107399 O 01/01/32 0 6960262 069/G02 F 187,000.00 ZZ 360 186,839.00 4 6.750 1,212.88 67 6.500 1,212.88 1 AZUSA CA 91702 1 11/26/01 00 0433447687 05 01/01/02 0 88224514 N 12/01/31 0 6960578 N47/G02 F 318,000.00 ZZ 360 318,000.00 1 7.500 2,223.50 80 7.250 2,223.50 SMYRNA GA 30080 1 12/20/01 00 0433525169 03 02/01/02 0 40113433 O 01/01/32 0 6962240 E11/G02 F 106,300.00 ZZ 360 106,300.00 1 7.625 752.38 80 7.375 752.38 STEWART MN 55385 1 12/20/01 00 0433542123 05 02/01/02 0 0004001038611 O 01/01/32 0 6962772 069/G02 F 194,400.00 ZZ 360 194,248.34 1 7.250 1,326.16 80 7.000 1,326.16 LONG BEACH CA 90804 1 11/20/01 00 0433445855 05 01/01/02 0 88241690 O 12/01/31 0 6963090 P34/G02 F 352,000.00 ZZ 360 352,000.00 1 7.375 2,431.18 77 7.125 2,431.18 PORTSMOUTH RI 02871 2 12/26/01 00 0433523768 05 02/01/02 0 414817 O 01/01/32 0 6963510 W39/G02 F 61,500.00 ZZ 360 61,500.00 2 8.375 467.44 75 8.125 467.44 BATON ROUGE LA 70810 5 12/18/01 00 0433548591 05 02/01/02 0 992558 N 01/01/32 0 1 6963702 069/G02 F 70,400.00 ZZ 360 70,337.89 1 6.625 450.78 80 6.375 450.78 FRESNO CA 93726 1 11/13/01 00 0433447737 09 01/01/02 0 88229661 O 12/01/31 0 6964662 069/G02 F 639,000.00 ZZ 360 638,449.83 1 6.750 4,144.55 76 6.500 4,144.55 WESTLAKE VILLAG CA 91361 2 11/16/01 00 0433446887 03 01/01/02 0 88231154 O 12/01/31 0 6968574 E22/G02 F 229,500.00 ZZ 360 229,500.00 1 7.125 1,546.18 72 6.875 1,546.18 EVERGREEN CO 80439 5 12/07/01 00 0413148156 05 02/01/02 0 0413148156 O 01/01/32 0 6968576 E22/G02 F 142,000.00 ZZ 360 142,000.00 4 7.375 980.76 75 7.125 980.76 SAN PEDRO CA 90731 2 12/06/01 00 0413167628 05 02/01/02 0 0413167628 O 01/01/32 0 6968588 E22/G02 F 158,300.00 ZZ 360 158,300.00 1 7.500 1,106.86 61 7.250 1,106.86 PEARLAND TX 77581 5 12/05/01 00 0413227638 03 02/01/02 0 0413227638 O 01/01/32 0 6968606 E22/G02 F 487,495.00 ZZ 360 487,150.94 1 1 7.750 3,492.47 77 7.500 3,492.47 BOULDER CO 80303 2 11/30/01 00 0413261355 05 01/01/02 0 0413261355 O 12/01/31 0 6968608 E22/G02 F 151,650.00 ZZ 360 151,650.00 1 7.250 1,034.52 90 7.000 1,034.52 BEND OR 97701 1 12/11/01 04 0413264524 05 02/01/02 25 0413264524 O 01/01/32 0 6968616 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 7.250 1,773.66 80 7.000 1,773.66 MONROE WA 98272 5 12/06/01 00 0413284282 05 02/01/02 0 0413284282 O 01/01/32 0 6968642 E22/G02 F 148,950.00 ZZ 360 148,950.00 1 7.500 1,041.48 90 7.250 1,041.48 ROSEMOUNT MN 55068 1 12/13/01 04 0413315821 09 02/01/02 25 0413315821 O 01/01/32 0 6968646 E22/G02 F 47,700.00 ZZ 360 47,700.00 3 8.375 362.55 90 8.125 362.55 PAWTUCKET RI 02860 1 12/13/01 01 0413318742 05 02/01/02 25 0413318742 N 01/01/32 0 6968654 E22/G02 F 495,200.00 ZZ 360 495,200.00 1 7.875 3,590.54 80 7.625 3,590.54 CAMARILLO CA 93010 1 12/07/01 00 0413329087 03 02/01/02 0 1 0413329087 O 01/01/32 0 6968700 E22/G02 F 110,000.00 ZZ 360 110,000.00 1 6.875 722.62 39 6.625 722.62 SANTA ROSA CA 95409 1 12/05/01 00 0413369679 03 02/01/02 0 0413369679 N 01/01/32 0 6968724 E22/G02 F 161,100.00 ZZ 360 161,100.00 4 8.500 1,238.72 90 8.250 1,238.72 KENNER LA 70062 2 12/13/01 01 0413381898 05 02/01/02 25 0413381898 N 01/01/32 0 6968736 E22/G02 F 420,000.00 ZZ 360 420,000.00 1 8.250 3,155.32 60 8.000 3,155.32 SAN ANTONIO TX 78248 4 12/13/01 00 0413390881 03 02/01/02 0 0413390881 O 01/01/32 0 6968740 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 8.500 522.86 80 8.250 522.86 PARK HILLS KY 41011 1 12/13/01 00 0413397233 05 02/01/02 0 0413397233 N 01/01/32 0 6968848 E82/G02 F 191,300.00 ZZ 360 191,300.00 1 6.625 1,224.91 78 6.375 1,224.91 LAKEWOOD CA 90712 2 12/11/01 00 0400534186 05 02/01/02 0 0400534186 O 01/01/32 0 1 6968854 E82/G02 F 73,000.00 ZZ 360 73,000.00 1 6.875 479.56 74 6.625 479.56 SEAL ROCK OR 97376 2 12/17/01 00 0400544201 05 02/01/02 0 1663070 N 01/01/32 0 6968876 E82/G02 F 239,600.00 ZZ 360 239,600.00 3 6.625 1,534.19 79 6.375 1,534.19 LOS ANGELES CA 90026 2 12/12/01 00 0400544623 05 02/01/02 0 0400544623 O 01/01/32 0 6969324 K88/G02 F 550,000.00 ZZ 360 549,591.82 1 7.500 3,845.68 65 7.250 3,845.68 WEST WINDSOR TO NJ 08850 5 11/16/01 00 0433538022 05 01/01/02 0 17447 O 12/01/31 0 6971220 U05/G02 F 388,000.00 ZZ 360 388,000.00 1 7.125 2,614.03 82 6.875 2,614.03 CHICAGO IL 60607 2 12/21/01 01 0433547825 01 02/01/02 12 3184692 O 01/01/32 0 6971382 F89/G02 F 156,000.00 ZZ 360 156,000.00 1 7.750 1,117.60 80 7.500 1,117.60 RANCHO CUCAMONG CA 91730 2 12/17/01 00 0433534732 05 02/01/02 0 10814367 O 01/01/32 0 6974528 962/G02 F 400,000.00 ZZ 360 400,000.00 1 8.500 3,075.65 85 8.250 3,075.65 1 VERGAS MN 56587 1 12/21/01 04 0433531043 05 02/01/02 12 2001514 O 01/01/32 0 6975720 E47/G02 F 169,000.00 ZZ 360 169,000.00 1 7.250 1,152.88 71 7.000 1,152.88 HAWTHORNE CA 90250 5 12/19/01 00 0433549714 05 02/01/02 0 7331013747 O 01/01/32 0 6980280 967/G02 F 145,000.00 ZZ 360 145,000.00 1 7.750 1,038.80 88 7.500 1,038.80 DRAPER UT 84020 1 12/27/01 04 0433540655 05 02/01/02 25 6425201 O 01/01/32 0 6980542 E82/G02 F 156,200.00 ZZ 360 156,081.15 1 7.375 1,078.83 45 7.125 1,078.83 NOVI MI 48377 2 12/05/01 00 0400523486 05 01/01/02 0 1759478 N 12/01/31 0 6981664 K39/G02 F 650,000.00 ZZ 360 650,000.00 1 7.000 4,324.47 77 6.750 4,324.47 BASKING RIDGE NJ 07920 5 12/19/01 00 0433549508 05 02/01/02 0 138442944 O 01/01/32 0 6988960 E82/G02 F 169,000.00 ZZ 360 169,000.00 1 7.000 1,124.36 77 6.750 1,124.36 CANTON GA 30114 2 12/11/01 00 0400526430 03 02/01/02 0 1540845 O 01/01/32 0 1 6988990 E82/G02 F 141,100.00 ZZ 360 141,100.00 1 6.625 903.48 76 6.375 903.48 SANTA ANA CA 92707 2 12/10/01 00 0400540407 05 02/01/02 0 0400540407 O 01/01/32 0 6989346 W93/G02 F 150,800.00 ZZ 360 150,685.25 1 7.375 1,041.54 74 7.125 1,041.54 CORVALLIS OR 97333 2 11/08/01 00 0433507662 05 01/01/02 0 76313673 O 12/01/31 0 6990432 E22/G02 F 89,000.00 ZZ 360 89,000.00 1 6.750 577.25 50 6.500 577.25 PICO RIVERA CA 90660 5 12/06/01 00 0413250754 05 02/01/02 0 0413250754 O 01/01/32 0 6990438 E22/G02 F 163,800.00 ZZ 360 163,800.00 1 7.500 1,145.31 89 7.250 1,145.31 MANVILLE NJ 08835 1 12/14/01 04 0413266313 05 02/01/02 25 0413266313 O 01/01/32 0 6990444 E22/G02 F 209,600.00 ZZ 360 209,600.00 1 7.125 1,412.11 80 6.875 1,412.11 KINGWOOD TX 77345 5 12/10/01 00 0413269028 03 02/01/02 0 0413269028 O 01/01/32 0 6990458 E22/G02 F 329,600.00 ZZ 360 329,600.00 1 1 6.875 2,165.24 80 6.625 2,165.24 CANYON LAKE CA 92587 1 12/10/01 00 0413288853 03 02/01/02 0 0413288853 O 01/01/32 0 6990474 E22/G02 F 184,050.00 ZZ 360 184,050.00 1 7.375 1,271.19 90 7.125 1,271.19 STOCKTON CA 95207 1 12/10/01 01 0413307323 03 02/01/02 25 0413307323 O 01/01/32 0 6990490 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.875 1,261.30 80 6.625 1,261.30 COLORADO SPRING CO 80908 5 12/10/01 00 0413315524 05 02/01/02 0 0413315524 O 01/01/32 0 6990526 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 7.000 1,995.91 75 6.750 1,995.91 REDWOOD CITY CA 94061 5 12/03/01 00 0413335068 01 02/01/02 0 0413335068 O 01/01/32 0 6990528 E22/G02 F 184,800.00 ZZ 360 184,800.00 1 7.250 1,260.66 80 7.000 1,260.66 FORT WORTH TX 76132 5 12/10/01 00 0413335241 05 02/01/02 0 0413335241 O 01/01/32 0 6990570 E22/G02 F 543,750.00 ZZ 360 543,750.00 1 6.875 3,572.05 75 6.625 3,572.05 GRANADA HILLS CA 91344 5 12/10/01 00 0413344292 03 02/01/02 0 1 0413344292 O 01/01/32 0 6990574 E22/G02 F 330,000.00 ZZ 360 330,000.00 1 7.125 2,223.27 66 6.875 2,223.27 DALLAS TX 75225 5 12/10/01 00 0413344722 05 02/01/02 0 0413344722 O 01/01/32 0 6990582 E22/G02 F 266,000.00 ZZ 360 266,000.00 1 6.875 1,747.43 80 6.625 1,747.43 HUNTINGTON BEAC CA 92647 2 12/07/01 00 0413347675 05 02/01/02 0 0413347675 O 01/01/32 0 6990608 E22/G02 F 463,600.00 ZZ 360 463,600.00 1 7.750 3,321.29 80 7.500 3,321.29 WILTON CA 95693 1 12/06/01 00 0413352220 05 02/01/02 0 0413352220 O 01/01/32 0 6990616 E22/G02 F 309,600.00 ZZ 360 309,600.00 1 7.750 2,218.01 80 7.500 2,218.01 FULTON MS 38843 5 12/10/01 00 0413353830 05 02/01/02 0 0413353830 O 01/01/32 0 6990630 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 7.875 2,175.21 77 7.625 2,175.21 FAIR OAKS CA 95628 5 12/10/01 00 0413365271 05 02/01/02 0 0413365271 O 01/01/32 0 1 6990652 E22/G02 F 500,000.00 ZZ 360 500,000.00 1 7.000 3,326.51 80 6.750 3,326.51 SAN FRANCISCO CA 94132 1 12/10/01 00 0413373176 07 02/01/02 0 0413373176 O 01/01/32 0 6990658 E22/G02 F 392,000.00 ZZ 360 392,000.00 1 7.250 2,674.13 80 7.000 2,674.13 HAYWARD CA 94545 5 12/07/01 00 0413379553 05 02/01/02 0 0413379553 O 01/01/32 0 6990686 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 7.500 3,076.54 59 7.250 3,076.54 LANTANA FL 33462 1 12/14/01 00 0413394263 05 02/01/02 0 0413394263 O 01/01/32 0 6990722 E22/G02 F 251,910.00 ZZ 360 251,910.00 1 8.250 1,892.52 90 8.000 1,892.52 IPSWICH MA 01938 1 12/14/01 04 0413436817 05 02/01/02 25 0413436817 O 01/01/32 0 6995770 286/286 F 170,950.00 ZZ 360 170,809.87 1 7.000 1,137.34 90 6.750 1,137.34 ROANOKE VA 24019 1 11/06/01 10 395793 05 01/01/02 25 395793 O 12/01/31 0 6995772 286/286 F 184,500.00 ZZ 360 184,245.21 4 7.875 1,337.76 90 7.625 1,337.76 1 LAWRENCE MA 01841 1 11/01/01 12 593357 05 12/01/01 25 593357 N 11/01/31 0 6995774 286/286 F 158,850.00 ZZ 360 158,613.47 1 7.500 1,110.71 68 7.250 1,110.71 MORAGA CA 94556 1 10/24/01 00 615199 01 12/01/01 0 615199 N 11/01/31 0 6995776 286/286 F 350,000.00 ZZ 360 349,303.25 1 6.875 2,299.26 79 6.625 2,299.26 WEST ROXBURY MA 02132 5 10/30/01 00 686375 05 12/01/01 0 686375 O 11/01/31 0 6995778 286/286 F 40,000.00 ZZ 360 39,940.43 2 7.500 279.69 80 7.250 279.69 CLEVELAND OH 44110 1 10/30/01 00 596479 05 12/01/01 0 596479 N 11/01/31 0 6995780 286/286 F 81,600.00 ZZ 360 81,478.50 1 7.500 570.56 80 7.250 570.56 CINCINNATI OH 45209 1 10/26/01 00 590544 05 12/01/01 0 590544 N 11/01/31 0 6995782 286/286 F 173,900.00 ZZ 360 173,596.40 1 7.875 1,260.90 90 7.625 1,260.90 REDMOND OR 97756 1 10/30/01 12 603339 05 12/01/01 25 603339 O 11/01/31 0 1 6995788 286/286 F 80,000.00 ZZ 360 79,932.78 1 6.875 525.55 80 6.625 525.55 CINCINNATI OH 45211 1 11/09/01 00 672841 05 01/01/02 0 672841 N 12/01/31 0 6995790 286/286 F 50,400.00 ZZ 360 50,365.31 4 7.875 365.44 90 7.625 365.44 ST LOUIS MO 63110 1 11/12/01 11 689191 05 01/01/02 25 689191 N 12/01/31 0 6995792 286/286 F 300,000.00 ZZ 360 299,575.15 1 7.750 2,149.24 79 7.500 2,149.24 FLORISSANT CO 80816 2 11/01/01 00 579922 05 12/01/01 0 579922 O 11/01/31 0 6995796 286/286 F 379,416.00 ZZ 360 378,776.65 1 6.875 2,492.50 90 6.625 2,492.50 DANBURY CT CT 06810 1 11/02/01 21 664395 05 12/01/01 25 664395 O 11/01/31 0 6995798 286/286 F 263,200.00 ZZ 360 262,973.38 1 6.750 1,707.12 80 6.500 1,707.12 SANTA FE NM 87505 1 11/07/01 00 703221 05 01/01/02 0 703221 N 12/01/31 0 6995800 286/286 F 247,500.00 ZZ 360 247,325.31 2 1 7.750 1,773.13 90 7.500 1,773.13 MARTINEZ CA 94553 1 11/01/01 12 669385 05 01/01/02 25 669385 N 12/01/31 0 6995804 286/286 F 175,000.00 ZZ 360 174,770.26 3 8.125 1,299.38 70 7.875 1,299.38 DENVER CO 80219 2 10/31/01 00 442455 05 12/01/01 0 442455 N 11/01/31 0 6995808 286/286 F 58,500.00 ZZ 360 58,421.22 3 8.000 429.26 90 7.750 429.26 GREENFIELD IN 46140 1 10/31/01 10 658246 05 12/01/01 25 658246 N 11/01/31 0 6995810 286/286 F 193,500.00 ZZ 360 193,349.04 4 7.250 1,320.02 90 7.000 1,320.02 PORTLAND OR 97236 1 10/30/01 14 680492 05 01/01/02 25 680492 N 12/01/31 0 6995812 286/286 F 79,200.00 ZZ 360 79,139.73 1 7.375 547.02 90 7.125 547.02 BLOOMINGTON IN 47408 1 11/09/01 12 671530 05 01/01/02 25 671530 N 12/01/31 0 6995814 286/286 F 234,000.00 ZZ 360 233,830.64 4 7.625 1,656.24 90 7.375 1,656.24 NORTH ATTLEBORO MA 02760 1 11/06/01 12 597425 05 01/01/02 25 1 597425 N 12/01/31 0 6995816 286/286 F 234,000.00 ZZ 360 233,830.64 4 7.625 1,656.24 90 7.375 1,656.24 NORTH ATTLEBORO MA 02760 1 11/06/01 11 597637 05 01/01/02 25 597637 N 12/01/31 0 6995818 286/286 F 220,500.00 ZZ 360 220,340.40 4 7.625 1,560.69 90 7.375 1,560.69 NORTH ATTLEBORO MA 02760 1 11/06/01 11 597351 05 01/01/02 25 597351 N 12/01/31 0 6995820 286/286 F 215,000.00 ZZ 360 214,823.76 1 7.000 1,430.40 52 6.750 1,430.40 SAN CLEMENTE CA 92673 1 10/31/01 00 598602 05 01/01/02 0 598602 N 12/01/31 0 6995822 286/286 F 410,300.00 ZZ 360 409,733.41 1 7.875 2,974.96 80 7.625 2,974.96 SCOTTSDALE AZ 85262 2 10/29/01 00 685787 03 12/01/01 0 685787 O 11/01/31 0 6995824 286/286 F 220,500.00 ZZ 360 220,154.94 4 7.250 1,504.20 90 7.000 1,504.20 NAPLES FL 34116 1 10/31/01 21 581626 05 12/01/01 30 581626 N 11/01/31 0 1 6995826 286/286 F 119,850.00 ZZ 360 119,680.25 1 7.750 858.63 80 7.500 858.63 LAS VEGAS NV 89129 2 10/30/01 00 689863 03 12/01/01 0 689863 N 11/01/31 0 6995828 286/286 F 188,000.00 ZZ 360 187,713.02 1 7.375 1,298.47 79 7.125 1,298.47 PIGEON MI 48755 5 10/29/01 00 686457 05 12/01/01 0 686457 O 11/01/31 0 6995830 286/286 F 193,500.00 ZZ 360 193,225.98 1 7.750 1,386.26 90 7.500 1,386.26 BOXFORD MA 01921 1 10/31/01 12 639795 05 12/01/01 25 639795 N 11/01/31 0 6995836 286/286 F 67,500.00 ZZ 360 67,411.38 4 8.125 501.19 90 7.875 501.19 ROCKFORD IL 61101 1 10/31/01 11 593247 05 12/01/01 25 593247 N 11/01/31 0 6995840 286/286 F 117,000.00 ZZ 360 116,727.53 1 7.375 808.09 90 7.125 808.09 GRANTS PASS OR 97527 1 10/16/01 14 577695 05 12/01/01 25 577695 O 11/01/31 0 6995844 286/286 F 210,000.00 ZZ 360 209,679.42 1 7.375 1,450.42 56 7.125 1,450.42 1 HAMPTON NH 03842 1 11/01/01 00 578898 01 12/01/01 0 578898 O 11/01/31 0 6995848 286/286 F 190,000.00 ZZ 360 189,637.14 1 7.500 1,328.51 66 7.250 1,328.51 FRAMINGHAM MA 01701 2 10/25/01 00 558599 05 12/01/01 0 558599 O 11/01/31 0 6995850 286/286 F 66,000.00 ZZ 360 65,908.86 1 7.875 478.55 80 7.625 478.55 INDIANAPOLIS IN 46225 2 11/05/01 00 666879 05 12/01/01 0 666879 N 11/01/31 0 6995852 286/286 F 40,320.00 ZZ 360 40,264.32 1 7.875 292.35 90 7.625 292.35 SAN ANTONIO TX 78227 1 10/30/01 11 661200 05 12/01/01 25 661200 N 11/01/31 0 6995854 286/286 F 220,000.00 ZZ 360 219,544.05 1 7.625 1,557.15 78 7.375 1,557.15 ABERDEEN NJ 07742 1 11/01/01 00 546133 05 12/01/01 0 546133 O 11/01/31 0 6995858 286/286 F 50,000.00 ZZ 360 49,964.71 1 7.750 358.21 70 7.500 358.21 INDIANAPOLIS IN 46203 2 11/08/01 00 663949 05 01/01/02 0 663949 N 12/01/31 0 1 6995860 286/286 F 119,175.00 ZZ 360 119,092.98 1 7.875 864.11 75 7.625 864.11 CHICAGO IL 60013 1 11/02/01 00 612557 06 01/01/02 0 612557 N 12/01/31 0 6995862 286/286 F 142,350.00 ZZ 360 142,138.04 1 7.500 995.34 75 7.250 995.34 PUYALLUP WA 98374 5 10/26/01 00 592062 05 12/01/01 0 592062 N 11/01/31 0 6995864 286/286 F 134,850.00 ZZ 360 134,649.20 1 7.500 942.90 75 7.250 942.90 PUYALLUP WA 98374 5 10/26/01 00 591647 05 12/01/01 0 591647 N 11/01/31 0 6995866 286/286 F 311,000.00 ZZ 360 310,570.53 1 7.875 2,254.97 76 7.625 2,254.97 SOUTHLAKE TX 76092 2 10/29/01 00 453484 03 12/01/01 0 453484 O 11/01/31 0 6995868 286/286 F 385,000.00 ZZ 360 384,714.27 1 7.500 2,691.98 67 7.250 2,691.98 BRECKENRIDGE CO 80424 2 11/09/01 00 323002 03 01/01/02 0 323002 N 12/01/31 0 6995870 286/286 F 385,000.00 ZZ 360 384,714.27 1 1 7.500 2,691.98 67 7.250 2,691.98 BRECKENRIDGE CO 80424 2 11/09/01 00 323004 05 01/01/02 0 323004 N 12/01/31 0 6995874 286/286 F 78,750.00 ZZ 360 78,702.29 3 8.500 605.52 90 8.000 605.52 NEWARK NJ 07104 1 11/30/01 12 581093 05 01/01/02 25 581093 N 12/01/31 0 6995876 286/286 F 100,000.00 ZZ 360 99,865.35 3 8.000 733.77 73 7.750 733.77 NEW HAVEN CT 06511 2 10/30/01 00 347911 05 12/01/01 0 347911 N 11/01/31 0 6995878 286/286 F 62,400.00 ZZ 360 62,358.13 1 8.000 457.87 80 7.750 457.87 KANSAS CITY KS 66102 5 11/08/01 00 695572 05 01/01/02 0 695572 N 12/01/31 0 6995880 286/286 F 232,000.00 T 360 231,725.02 1 6.750 1,504.75 80 6.500 1,504.75 LAKEWORTH FL 33467 1 11/09/01 00 645403 05 01/01/02 0 645403 O 12/01/31 0 6995882 286/286 F 500,000.00 ZZ 360 499,309.54 1 7.875 3,625.35 44 7.625 3,625.35 SYLVAN LAKE MI 48320 2 10/26/01 00 685837 05 12/01/01 0 1 685837 O 11/01/31 0 6995884 286/286 F 140,000.00 ZZ 360 139,906.05 2 8.000 1,027.28 73 7.750 1,027.28 GRAND RAPIDS OH 43522 5 11/02/01 00 404064 05 01/01/02 0 404064 N 12/01/31 0 6995886 286/286 F 60,000.00 ZZ 360 59,893.83 1 6.625 384.19 39 6.375 384.19 RIVERSIDE CA 92506 2 10/25/01 00 102327 05 12/01/01 0 102327 O 11/01/31 0 6995890 286/286 F 86,250.00 ZZ 360 86,108.17 1 7.000 573.83 75 6.750 573.83 GREENSBORO NC 27408 5 10/31/01 00 652537 05 12/01/01 0 652537 N 11/01/31 0 6995892 286/286 F 176,000.00 ZZ 360 175,717.68 1 7.125 1,185.74 80 6.875 1,185.74 LINDEN CA 95236 5 10/19/01 00 659100 05 12/01/01 0 659100 O 11/01/31 0 6995896 286/286 F 375,000.00 ZZ 360 374,707.46 1 7.250 2,558.17 75 7.000 2,558.17 HIGHLAND MI 48356 1 11/08/01 00 692994 05 01/01/02 0 692994 O 12/01/31 0 1 6995902 286/286 F 170,000.00 ZZ 360 169,782.43 3 8.250 1,277.16 85 8.000 1,277.16 WESTBROOK ME 04092 1 11/05/01 12 596956 05 12/01/01 25 596956 N 11/01/31 0 6995904 286/286 F 151,920.00 ZZ 360 151,688.07 1 7.375 1,049.28 80 7.125 1,049.28 SALT LAKE CITY UT 84121 1 10/26/01 00 668626 05 12/01/01 0 668626 N 11/01/31 0 6995906 286/286 F 112,500.00 ZZ 360 112,340.67 4 7.750 805.97 90 7.500 805.97 LAKEWOOD OH 44107 1 11/05/01 11 601966 05 12/01/01 25 601966 N 11/01/31 0 6995908 286/286 F 52,000.00 ZZ 360 51,961.40 1 7.500 363.60 80 7.250 363.60 PHILADELPHIA PA 19145 1 11/06/01 00 635918 05 01/01/02 0 635918 N 12/01/31 0 6995910 286/286 F 335,000.00 ZZ 360 334,224.54 1 7.000 2,228.77 78 6.750 2,228.77 VIENNA VA 22182 1 10/31/01 00 578296 05 12/01/01 0 578296 N 11/01/31 0 6995912 286/286 F 54,000.00 ZZ 360 53,915.49 1 7.250 368.38 82 7.000 368.38 1 TEMPE AZ 85281 2 10/30/01 12 688929 01 12/01/01 20 688929 N 11/01/31 0 6995914 286/286 F 272,400.00 ZZ 360 272,004.42 1 7.625 1,928.04 80 7.375 1,928.04 ENCINITAS CA 92024 1 10/29/01 00 661946 05 12/01/01 0 661946 O 11/01/31 0 6995916 286/286 F 240,000.00 ZZ 360 239,573.61 1 7.750 1,719.39 73 7.500 1,719.39 ANAHEIM CA 92807 5 10/25/01 00 611521 05 12/01/01 0 611521 O 11/01/31 0 6995920 286/286 F 261,000.00 ZZ 360 260,519.07 4 7.750 1,869.84 90 7.500 1,869.84 DORCHESTER MA 02125 1 10/04/01 12 595489 05 12/01/01 25 595489 N 11/01/31 0 6995926 286/286 F 238,500.00 ZZ 360 238,318.51 3 7.375 1,647.27 90 7.125 1,647.27 PASSAIC NJ 07055 1 11/02/01 11 179642 05 01/01/02 25 179642 O 12/01/31 0 6995928 286/286 F 38,800.00 ZZ 360 38,773.30 1 7.875 281.33 80 7.625 281.33 CHARLOTTE NC 28216 2 11/05/01 00 667598 05 01/01/02 0 667598 N 12/01/31 0 1 6995930 286/286 F 94,500.00 ZZ 360 94,340.76 1 6.875 620.80 90 6.625 620.80 CINCINNATI OH 45224 1 10/31/01 12 657104 05 12/01/01 25 657104 N 11/01/31 0 6995934 286/286 F 67,500.00 ZZ 360 67,453.54 2 7.875 489.43 90 7.625 489.43 GREENFIELD MA 01301 1 11/09/01 11 557516 05 01/01/02 25 557516 N 12/01/31 0 6995938 286/286 F 50,800.00 ZZ 360 49,530.22 1 8.125 377.19 80 7.875 377.19 ELWOOD IN 46036 2 11/02/01 00 656157 05 12/01/01 0 656157 N 11/01/31 0 6995940 286/286 F 65,600.00 ZZ 360 65,513.89 1 8.125 487.08 80 7.875 487.08 OKLAHOMA CITY OK 73103 1 11/05/01 00 639806 05 12/01/01 0 639806 N 11/01/31 0 6995942 286/286 F 170,000.00 ZZ 360 169,759.24 1 7.750 1,217.91 70 7.500 1,217.91 POMPANO BEACH FL 33062 5 11/05/01 00 661258 05 12/01/01 0 661258 N 11/01/31 0 6995946 286/286 F 183,000.00 ZZ 360 182,747.29 1 1 7.875 1,326.88 52 7.625 1,326.88 STONEHAM MA 02180 5 10/25/01 00 9911620 05 12/01/01 0 9911620 O 11/01/31 0 6995948 286/286 F 76,500.00 ZZ 360 76,130.90 1 7.500 534.90 90 7.250 534.90 CHICAGO IL 60628 1 10/30/01 12 9912325 05 12/01/01 25 9912325 N 11/01/31 0 6995950 286/286 F 90,000.00 ZZ 360 88,980.52 1 7.000 598.77 63 6.750 598.77 OLYMPIA WA 98501 2 10/29/01 00 9908588 05 12/01/01 0 9908588 N 11/01/31 0 6995952 286/286 F 160,000.00 ZZ 360 159,884.20 1 7.625 1,132.47 59 7.375 1,132.47 SEBASTOPOL CA 95472 5 11/01/01 00 9893336 05 01/01/02 0 9893336 N 12/01/31 0 6995956 286/286 F 169,800.00 ZZ 360 169,506.79 1 6.750 1,101.32 72 6.500 1,101.32 REDDING CA 96003 2 10/30/01 00 9907378 05 12/01/01 0 9907378 O 11/01/31 0 6995958 286/286 F 88,200.00 ZZ 360 88,078.20 4 7.875 639.51 90 7.625 639.51 REDDING CA 96001 1 10/25/01 12 9912532 05 12/01/01 25 1 9912532 N 11/01/31 0 6995960 286/286 F 161,300.00 ZZ 360 161,167.79 1 7.000 1,073.13 80 6.750 1,073.13 SACRAMENTO CA 95814 1 11/06/01 00 9923820 05 01/01/02 0 9923820 O 12/01/31 0 6995962 286/286 F 140,400.00 ZZ 360 140,206.12 4 7.875 1,018.00 90 7.625 1,018.00 REDDING CA 96001 1 10/24/01 12 9929526 05 12/01/01 25 9929526 N 11/01/31 0 6995966 286/286 F 322,000.00 T 360 321,742.51 1 7.125 2,169.37 70 6.875 2,169.37 LOS ANGELES CA 90077 5 11/01/01 00 9909829 05 01/01/02 0 9909829 O 12/01/31 0 6995970 286/286 F 400,000.00 ZZ 360 399,447.63 1 7.875 2,900.28 80 7.625 2,900.28 FULLERTON CA 92835 2 10/27/01 00 9891204 03 12/01/01 0 9891204 O 11/01/31 0 6995972 286/286 F 143,550.00 ZZ 360 143,319.74 2 7.125 967.12 90 6.875 967.12 AUSTIN TX 78723 1 10/31/01 11 9927697 05 12/01/01 25 9927697 N 11/01/31 0 1 6995974 286/286 F 284,000.00 ZZ 360 283,607.82 4 7.875 2,059.20 62 7.625 2,059.20 OAKLAND CA 94606 5 10/23/01 00 9908293 05 12/01/01 0 9908293 O 11/01/31 0 6995976 286/286 F 387,000.00 ZZ 360 386,363.71 1 7.000 2,574.72 90 6.750 2,574.72 RANCHOSANTAMARG CA 92688 5 10/26/01 21 9928518 03 12/01/01 25 9928518 O 11/01/31 0 6995978 286/286 F 152,000.00 ZZ 360 151,750.09 1 7.000 1,011.26 80 6.750 1,011.26 SANTA FE SPRING CA 90670 1 10/27/01 00 9916904 05 12/01/01 0 9916904 N 11/01/31 0 6995980 286/286 F 385,250.00 ZZ 360 384,731.28 3 8.000 2,826.83 90 7.750 2,826.83 QUINCY MA 02169 1 11/01/01 14 9918913 05 12/01/01 25 9918913 O 11/01/31 0 6995982 286/286 F 56,000.00 ZZ 360 55,924.59 3 8.000 410.91 70 7.750 410.91 GRAND FORKS ND 58203 1 11/02/01 00 9898588 05 12/01/01 0 9898588 N 11/01/31 0 6995984 286/286 F 126,000.00 ZZ 360 125,812.40 1 7.500 881.01 90 7.250 881.01 1 TUCSON AZ 85742 1 10/26/01 10 9914547 03 12/01/01 25 9914547 N 11/01/31 0 6995990 286/286 F 160,000.00 ZZ 360 159,749.62 1 7.250 1,091.48 80 7.000 1,091.48 SACRAMENTO CA 95829 5 10/31/01 00 9919463 05 12/01/01 0 9919463 O 11/01/31 0 6995992 286/286 F 252,000.00 ZZ 360 251,634.06 4 7.625 1,783.64 80 7.375 1,783.64 SANTA ANA CA 92707 1 10/19/01 00 9904520 05 12/01/01 0 9904520 N 11/01/31 0 6995996 286/286 F 94,500.00 ZZ 360 94,366.17 3 7.750 677.01 90 7.500 677.01 MANCHESTER CT 06040 1 11/02/01 12 9922175 05 12/01/01 25 9922175 N 11/01/31 0 6995998 286/286 F 283,000.00 ZZ 360 282,578.63 1 7.500 1,978.78 79 7.250 1,978.78 SANTA ROSA CA 95407 2 10/23/01 00 9909177 05 12/01/01 0 9909177 N 11/01/31 0 6996000 286/286 F 319,900.00 ZZ 360 319,423.69 1 7.500 2,236.79 80 7.250 2,236.79 SPRINGFIELD VA 22153 1 10/31/01 00 9925822 05 12/01/01 0 9925822 O 11/01/31 0 1 6996002 286/286 F 112,000.00 ZZ 360 111,845.33 3 7.875 812.08 80 7.625 812.08 SALT LAKE CITY UT 84115 1 10/30/01 00 9915753 05 12/01/01 0 9915753 N 11/01/31 0 6996004 286/286 F 112,000.00 ZZ 360 111,845.33 3 7.875 812.08 80 7.625 812.08 SALT LAKE CITY UT 84115 1 10/30/01 00 9915778 05 12/01/01 0 9915778 N 11/01/31 0 6996006 286/286 F 210,400.00 ZZ 360 210,045.46 1 6.875 1,382.18 80 6.625 1,382.18 ELK GROVE CA 95624 5 10/19/01 00 9898740 05 12/01/01 0 9898740 O 11/01/31 0 6996008 286/286 F 374,000.00 ZZ 360 373,400.06 1 7.125 2,519.71 85 6.875 2,519.71 ROCKLIN CA 95765 5 10/26/01 12 9898702 05 12/01/01 12 9898702 O 11/01/31 0 6996010 286/286 F 370,812.00 ZZ 360 370,202.33 1 7.000 2,467.02 80 6.750 2,467.02 ALPHARETTA GA 30097 1 10/31/01 00 9911363 03 12/01/01 0 9911363 O 11/01/31 0 6996012 286/286 F 298,300.00 ZZ 360 298,078.62 1 1 7.500 2,085.76 88 7.250 2,085.76 UNION CITY CA 94587 1 11/06/01 10 9914347 05 01/01/02 25 9914347 O 12/01/31 0 6996016 286/286 F 273,000.00 ZZ 360 272,613.38 2 7.750 1,955.81 65 7.500 1,955.81 OAKLAND CA 94608 5 10/18/01 00 9911767 05 12/01/01 0 9911767 N 11/01/31 0 6996020 286/286 F 112,500.00 ZZ 360 112,344.65 3 7.875 815.70 90 7.625 815.70 SAINT PETERSBUR FL 33713 1 10/31/01 14 9917101 05 12/01/01 25 9917101 N 11/01/31 0 6996022 286/286 F 283,150.00 ZZ 360 282,759.00 4 7.875 2,053.03 90 7.625 2,053.03 LOS ANGELES CA 90016 5 10/30/01 12 9913935 05 12/01/01 25 9913935 O 11/01/31 0 6996026 286/286 F 185,000.00 ZZ 360 184,844.58 1 6.875 1,215.32 57 6.625 1,215.32 HAYWARD CA 94544 5 11/01/01 00 9893370 05 01/01/02 0 9893370 N 12/01/31 0 6996028 286/286 F 219,200.00 ZZ 360 218,830.63 4 6.875 1,439.99 80 6.625 1,439.99 OREM UT 84058 2 10/15/01 00 9904290 05 12/01/01 0 1 9904290 N 11/01/31 0 6996030 286/286 F 234,000.00 ZZ 360 233,640.33 1 7.750 1,676.40 90 7.500 1,676.40 RANCHO CUCAMONG CA 91739 5 10/26/01 14 9916533 05 12/01/01 25 9916533 O 11/01/31 0 6996032 286/286 F 131,250.00 ZZ 360 131,150.13 2 7.375 906.51 70 7.125 906.51 SACRAMENTO CA 95821 1 11/01/01 00 9904142 05 01/01/02 0 9904142 N 12/01/31 0 6997842 883/G02 F 230,400.00 ZZ 360 230,400.00 1 7.375 1,591.32 80 7.125 1,591.32 MIRAMAR FL 33027 1 12/20/01 00 0433540986 03 02/01/02 0 5015420 O 01/01/32 0 7006422 N47/G02 F 392,000.00 ZZ 360 392,000.00 1 7.750 2,808.34 79 7.500 2,808.34 MOORPARK CA 93021 5 12/28/01 00 0433524923 05 02/01/02 0 30311977 O 01/01/32 0 7010850 E22/G02 F 252,000.00 ZZ 360 252,000.00 4 6.750 1,634.47 80 6.500 1,634.47 AUSTIN TX 78729 2 12/12/01 00 0413022054 05 02/01/02 0 0413022054 O 01/01/32 0 1 7010854 E22/G02 F 588,000.00 ZZ 360 588,000.00 1 7.000 3,911.98 80 6.750 3,911.98 CARNATION WA 98014 5 12/11/01 00 0413037375 05 02/01/02 0 0413037375 O 01/01/32 0 7010858 E22/G02 F 246,000.00 ZZ 360 246,000.00 1 7.875 1,783.67 80 7.625 1,783.67 AZTEC NM 87410 5 12/11/01 00 0413084880 05 02/01/02 0 0413084880 O 01/01/32 0 7010900 E22/G02 F 275,000.00 ZZ 360 275,000.00 1 7.250 1,875.98 75 7.000 1,875.98 MOORPARK CA 93021 5 12/09/01 00 0413211731 03 02/01/02 0 0413211731 O 01/01/32 0 7010920 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 6.875 1,103.64 80 6.625 1,103.64 SYLVA NC 28779 5 12/11/01 00 0413261157 05 02/01/02 0 0413261157 O 01/01/32 0 7010936 E22/G02 F 194,000.00 ZZ 360 194,000.00 1 7.000 1,290.69 80 6.750 1,290.69 SWANSEA MA 02777 5 12/11/01 00 0413271057 05 02/01/02 0 0413271057 O 01/01/32 0 7010938 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 7.125 1,455.23 75 6.875 1,455.23 1 COLORADO SPRING CO 80919 2 12/10/01 00 0413274382 05 02/01/02 0 0413274382 O 01/01/32 0 7010940 E22/G02 F 207,800.00 ZZ 360 207,800.00 1 6.625 1,330.57 77 6.375 1,330.57 MARBLE FALLS TX 78654 2 12/11/01 00 0413277757 05 02/01/02 0 0413277757 O 01/01/32 0 7010952 E22/G02 F 246,000.00 ZZ 360 246,000.00 1 7.375 1,699.06 80 7.125 1,699.06 ELLISVILLE MO 63011 5 12/11/01 00 0413284944 05 02/01/02 0 0413284944 O 01/01/32 0 7010970 E22/G02 F 134,200.00 ZZ 360 134,200.00 2 6.500 848.24 53 6.250 848.24 FAIR OAKS CA 95628 2 12/07/01 00 0413297623 05 02/01/02 0 0413297623 O 01/01/32 0 7010992 E22/G02 F 701,000.00 ZZ 360 701,000.00 1 8.500 5,390.08 61 8.250 5,390.08 COLTS NECK NJ 07722 5 12/12/01 00 0413309204 05 02/01/02 0 0413309204 O 01/01/32 0 7010996 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 7.500 839.06 71 7.250 839.06 TEMPLE TX 76504 5 12/11/01 00 0413310764 05 02/01/02 0 0413310764 O 01/01/32 0 1 7011010 E22/G02 F 108,800.00 ZZ 360 108,800.00 1 7.625 770.08 80 7.375 770.08 CHULA VISTA CA 91910 5 12/06/01 00 0413326646 01 02/01/02 0 0413326646 O 01/01/32 0 7011014 E22/G02 F 420,000.00 ZZ 360 420,000.00 1 7.750 3,008.93 70 7.500 3,008.93 NEW BRAUNFELS TX 78133 5 12/11/01 00 0413330093 05 02/01/02 0 0413330093 O 01/01/32 0 7011038 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 7.625 2,123.38 47 7.375 2,123.38 NEVADA CITY CA 95959 5 12/06/01 00 0413341843 05 02/01/02 0 0413341843 O 01/01/32 0 7011056 E22/G02 F 386,850.00 ZZ 360 386,850.00 1 6.750 2,509.10 74 6.500 2,509.10 POTOMAC MD 20854 2 12/12/01 00 0413346792 05 02/01/02 0 0413346792 O 01/01/32 0 7011074 E22/G02 F 351,000.00 ZZ 360 351,000.00 1 7.000 2,335.21 76 6.750 2,335.21 LORTON VA 22079 5 12/12/01 00 0413352527 05 02/01/02 0 0413352527 O 01/01/32 0 7011084 E22/G02 F 287,000.00 ZZ 360 287,000.00 1 1 8.375 2,181.41 70 8.125 2,181.41 HAYWARD CA 94541 5 12/04/01 00 0413355181 05 02/01/02 0 0413355181 O 01/01/32 0 7011094 E22/G02 F 161,550.00 ZZ 360 161,550.00 3 8.750 1,270.91 90 8.500 1,270.91 STOCKTON CA 95204 1 12/07/01 01 0413358565 05 02/01/02 25 0413358565 N 01/01/32 0 7011118 E22/G02 F 97,000.00 ZZ 360 97,000.00 1 7.250 661.71 33 7.000 661.71 SANTA ROSA CA 95409 2 12/05/01 00 0413369653 03 02/01/02 0 0413369653 O 01/01/32 0 7011122 E22/G02 F 262,000.00 ZZ 360 262,000.00 1 8.250 1,968.32 78 8.000 1,968.32 PORTLAND OR 97267 2 12/07/01 00 0413370156 05 02/01/02 0 0413370156 N 01/01/32 0 7011142 E22/G02 F 378,000.00 ZZ 360 378,000.00 1 7.250 2,578.63 90 7.000 2,578.63 LOS ANGELES CA 90049 5 12/05/01 04 0413377565 05 02/01/02 25 0413377565 O 01/01/32 0 7011164 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 7.750 1,461.48 95 7.500 1,461.48 LAKE GROVE NY 11755 5 12/11/01 01 0413387267 05 02/01/02 30 1 0413387267 O 01/01/32 0 7011166 E22/G02 F 141,000.00 ZZ 360 141,000.00 1 7.375 973.85 80 7.125 973.85 ANSONIA CT 06401 5 12/11/01 00 0413387705 05 02/01/02 0 0413387705 O 01/01/32 0 7011174 E22/G02 F 275,500.00 ZZ 360 275,500.00 2 8.375 2,094.00 95 8.125 2,094.00 STATEN ISLAND NY 10302 1 12/17/01 01 0413389958 05 02/01/02 30 0413389958 O 01/01/32 0 7011184 E22/G02 F 365,600.00 ZZ 360 365,600.00 1 7.375 2,525.11 80 7.125 2,525.11 NEWARK CA 94560 1 12/11/01 00 0413396722 05 02/01/02 0 0413396722 O 01/01/32 0 7011428 E82/G02 F 130,000.00 ZZ 360 130,000.00 1 6.875 854.01 57 6.625 854.01 SHINGLE SPRINGS CA 95682 2 12/14/01 00 0400506598 03 02/01/02 0 0400506598 O 01/01/32 0 7011484 E82/G02 F 50,600.00 ZZ 360 50,563.38 1 7.625 358.14 60 7.375 358.14 GREAT FALLS MT 59405 2 11/26/01 00 0400517934 05 01/01/02 0 1855528 N 12/01/31 0 1 7011596 X19/G02 F 100,000.00 ZZ 360 100,000.00 3 8.000 733.76 45 7.750 733.76 MOUNT VERNON NY 10550 5 12/07/01 00 0433507043 05 02/01/02 0 21103001 N 01/01/32 0 7011912 U05/G02 F 49,500.00 ZZ 360 49,500.00 4 8.375 376.24 90 8.125 376.24 FORT WAYNE IN 46808 1 12/26/01 10 0433539137 05 02/01/02 25 3193669 N 01/01/32 0 7012292 076/076 F 160,785.00 ZZ 360 160,584.42 4 8.375 1,222.09 90 8.125 1,222.09 KILLEEN TX 76549 1 10/04/01 12 1387773 05 12/01/01 25 1387773 N 11/01/31 0 7012296 076/076 F 40,500.00 ZZ 360 40,449.48 4 8.375 307.83 90 8.125 307.83 LOGANSPORT LA 71049 1 10/31/01 01 1818905 05 12/01/01 25 1818905 N 11/01/31 0 7012298 076/076 F 400,000.00 ZZ 360 399,501.02 1 8.375 3,040.29 56 8.125 3,040.29 LAKE ZURICH IL 60047 2 10/30/01 00 1987398 03 12/01/01 0 1987398 O 11/01/31 0 7012300 076/076 F 319,000.00 ZZ 360 318,738.52 1 7.000 2,122.31 80 6.750 2,122.31 1 THORNTON PA 19373 2 11/09/01 00 2078318 05 01/01/02 0 2078318 O 12/01/31 0 7012302 076/076 F 270,000.00 ZZ 360 269,823.38 2 8.125 2,004.74 90 7.875 2,004.74 BROOKLYN NY 11237 1 11/15/01 11 2084890 05 01/01/02 25 2084890 N 12/01/31 0 7012304 076/076 F 428,000.00 ZZ 360 427,649.17 1 7.000 2,847.50 70 6.750 2,847.50 HOUSTON TX 77024 1 11/14/01 00 2095657 05 01/01/02 0 2095657 O 12/01/31 0 7012306 076/076 F 177,900.00 ZZ 360 177,607.51 1 7.000 1,183.57 80 6.750 1,183.57 SANTA ANA CA 92703 2 10/23/01 00 2135709 05 12/01/01 0 2135709 O 11/01/31 0 7012308 076/076 F 290,000.00 ZZ 360 289,767.66 1 7.125 1,953.79 75 6.875 1,953.79 WEST HARTFORD CT 06117 1 11/13/01 00 2389253 01 01/01/02 0 2389253 O 12/01/31 0 7014220 U05/G02 F 487,500.00 T 360 487,500.00 1 8.375 3,705.35 65 8.125 3,705.35 ALBUQUERQUE NM 87122 1 12/26/01 00 0433531118 05 02/01/02 0 3195465 O 01/01/32 0 1 7015616 A06/G02 F 135,500.00 ZZ 360 135,500.00 1 7.750 970.74 46 7.500 970.74 FARMINGTON HILL MI 48331 5 12/17/01 00 0433524832 05 02/01/02 0 025000020152771 O 01/01/32 0 7017628 H22/G02 F 300,000.00 ZZ 360 300,000.00 1 7.875 2,175.21 67 7.625 2,175.21 FLUSHING NY 11354 1 12/27/01 00 0433521085 05 02/01/02 0 0110025 O 01/01/32 0 7033484 E11/G02 F 135,000.00 ZZ 360 135,000.00 1 8.125 1,002.37 90 7.875 1,002.37 EAGAN MN 55121 1 12/20/01 04 0433542990 05 02/01/02 25 1 O 01/01/32 0 7033806 E23/G02 F 372,000.00 ZZ 360 372,000.00 1 7.125 2,506.23 80 6.875 2,506.23 OAKLAND CA 94609 5 12/26/01 00 0433538014 05 02/01/02 0 61002636 O 01/01/32 0 7034402 M27/G02 F 81,500.00 ZZ 360 81,500.00 1 8.500 626.66 79 8.250 626.66 HERMITAGE TN 37076 2 12/28/01 00 0433523750 05 02/01/02 0 600721257 N 01/01/32 0 7043704 E22/G02 F 63,750.00 ZZ 360 63,750.00 1 1 7.875 462.23 75 7.625 462.23 FAIRBANKS AK 99701 2 12/04/01 00 0413130584 05 02/01/02 0 0413130584 N 01/01/32 0 7043722 E22/G02 F 260,000.00 ZZ 360 260,000.00 2 8.375 1,976.19 80 8.125 1,976.19 WHITE PLAINS NY 10605 5 12/17/01 00 0413229584 05 02/01/02 0 0413229584 N 01/01/32 0 7043726 E22/G02 F 142,000.00 ZZ 360 142,000.00 1 8.500 1,091.86 84 8.250 1,091.86 MIAMI FL 33165 5 12/13/01 04 0413242959 05 02/01/02 12 0413242959 O 01/01/32 0 7043738 E22/G02 F 262,400.00 ZZ 360 262,400.00 1 8.000 1,925.40 80 7.750 1,925.40 DALLAS TX 75230 2 12/11/01 00 0413266925 05 02/01/02 0 0413266925 O 01/01/32 0 7043756 E22/G02 F 66,400.00 ZZ 360 66,400.00 1 7.875 481.45 80 7.625 481.45 GARLAND TX 75043 5 12/18/01 00 0413287152 05 02/01/02 0 0413287152 N 01/01/32 0 7043758 E22/G02 F 54,400.00 ZZ 360 54,400.00 1 7.875 394.44 80 7.625 394.44 ROCKWALL TX 75032 5 12/18/01 00 0413287228 05 02/01/02 0 1 0413287228 N 01/01/32 0 7043778 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 7.000 1,862.85 80 6.750 1,862.85 MILPITAS CA 95035 1 12/13/01 00 0413314469 05 02/01/02 0 0413314469 O 01/01/32 0 7043800 E22/G02 F 148,100.00 ZZ 360 148,100.00 2 8.500 1,138.76 75 8.250 1,138.76 BURLINGTON VT 05401 5 12/18/01 00 0413335563 05 02/01/02 0 0413335563 N 01/01/32 0 7043816 E22/G02 F 316,000.00 ZZ 360 316,000.00 1 7.000 2,102.36 80 6.750 2,102.36 SOUTH ELGIN IL 60123 2 12/13/01 00 0413346719 05 02/01/02 0 0413346719 O 01/01/32 0 7043834 E22/G02 F 205,485.00 ZZ 360 205,485.00 1 7.750 1,472.12 95 7.500 1,472.12 FARMINGVILLE NY 11738 1 12/18/01 01 0413358037 05 02/01/02 30 0413358037 O 01/01/32 0 7043838 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 7.625 849.35 72 7.375 849.35 DALLAS TX 75229 5 12/11/01 00 0413361767 05 02/01/02 0 0413361767 O 01/01/32 0 1 7043840 E22/G02 F 213,750.00 ZZ 360 213,750.00 1 7.500 1,494.57 95 7.250 1,494.57 LONG BEACH CA 90805 5 12/05/01 11 0413362310 05 02/01/02 30 0413362310 O 01/01/32 0 7043858 E22/G02 F 163,000.00 E 360 163,000.00 1 7.750 1,167.75 51 7.500 1,167.75 ARNOLD CA 95223 1 12/10/01 00 0413368630 03 02/01/02 0 0413368630 N 01/01/32 0 7043860 E22/G02 F 550,000.00 ZZ 360 550,000.00 1 7.500 3,845.68 71 7.250 3,845.68 DENTON TX 76208 5 12/12/01 00 0413370511 05 02/01/02 0 0413370511 O 01/01/32 0 7043872 E22/G02 F 233,900.00 ZZ 360 233,900.00 1 8.500 1,798.49 90 8.250 1,798.49 HARRISON TOWNSH MI 48045 2 12/13/01 01 0413376161 05 02/01/02 30 0413376161 O 01/01/32 0 7043878 E22/G02 F 183,000.00 ZZ 360 183,000.00 1 7.875 1,326.88 93 7.625 1,326.88 CERES CA 95307 1 12/10/01 01 0413377441 05 02/01/02 30 0413377441 O 01/01/32 0 7043938 E22/G02 F 200,000.00 T 360 200,000.00 1 7.250 1,364.35 80 7.000 1,364.35 1 FORT LAUDERDALE FL 33312 1 12/14/01 00 0413422882 05 02/01/02 0 0413422882 O 01/01/32 0 7044272 E82/G02 F 99,900.00 ZZ 360 99,900.00 1 7.000 664.64 78 6.750 664.64 LAS VEGAS NV 89117 2 12/07/01 00 0400531257 05 02/01/02 0 1581682 N 01/01/32 0 7044282 E82/G02 F 110,000.00 ZZ 360 110,000.00 1 7.625 778.57 90 7.375 778.57 WESLACO TX 78596 2 12/14/01 04 0400519815 05 02/01/02 25 1998518 O 01/01/32 0 7045160 A50/G02 F 568,000.00 T 360 567,522.81 1 6.875 3,731.36 64 6.625 3,731.36 DESTIN FL 32541 2 11/29/01 00 0433533825 06 01/01/02 0 497885 O 12/01/31 0 7046996 H76/G02 F 320,000.00 ZZ 360 320,000.00 1 8.625 2,488.93 80 8.375 2,488.93 SOUTH HAMILTON MA 01982 5 12/26/01 00 0433522653 05 02/01/02 0 2001407021 O 01/01/32 0 7050018 A52/G02 F 179,900.00 ZZ 360 179,900.00 1 8.375 1,367.37 90 8.125 1,367.37 NORCROSS GA 30092 1 12/17/01 11 0433503950 03 02/01/02 25 17695 O 01/01/32 0 1 7051762 E40/G02 F 91,000.00 ZZ 360 91,000.00 1 8.250 683.65 70 8.000 683.65 FRAMINGHAM MA 01702 5 12/12/01 00 0433494077 01 02/01/02 0 200102166 N 01/01/32 0 7051766 E11/G02 F 230,400.00 ZZ 360 230,400.00 1 7.125 1,552.25 80 6.875 1,552.25 ANDOVER MN 55304 1 12/28/01 00 0433542503 05 02/01/02 0 0003001039113 O 01/01/32 0 7054968 E48/G02 F 216,750.00 ZZ 360 216,750.00 1 7.125 1,460.29 85 6.875 1,460.29 FRANKLIN TN 37064 5 12/05/01 19 0433537917 05 02/01/02 12 11011936 O 01/01/32 0 7062314 E82/G02 F 106,300.00 ZZ 360 106,300.00 1 6.500 671.89 69 6.250 671.89 LATHROP CA 95330 2 12/12/01 00 0400545735 05 02/01/02 0 1945358 O 01/01/32 0 7062384 E82/G02 F 223,800.00 ZZ 360 223,800.00 2 7.625 1,584.04 78 7.375 1,584.04 LODI NJ 07644 5 12/17/01 00 0400533196 05 02/01/02 0 0400533196 O 01/01/32 0 7062398 E82/G02 F 171,200.00 ZZ 360 171,200.00 1 1 6.875 1,124.66 80 6.625 1,124.66 TELLURIDE CO 81435 2 12/17/01 00 0400531125 01 02/01/02 0 3713503 O 01/01/32 0 7062684 E22/G02 F 130,815.00 ZZ 360 130,815.00 2 7.750 937.17 85 7.500 937.17 TURLOCK CA 95380 1 12/05/01 01 0413053539 05 02/01/02 25 0413053539 N 01/01/32 0 7062720 E22/G02 F 70,000.00 ZZ 360 70,000.00 1 6.625 448.22 42 6.375 448.22 ANAHEIM CA 92804 5 12/10/01 00 0413254327 05 02/01/02 0 0413254327 O 01/01/32 0 7062740 E22/G02 F 349,488.00 ZZ 360 349,488.00 1 8.125 2,594.94 74 7.875 2,594.94 DALLAS TX 75209 5 12/14/01 00 0413298399 05 02/01/02 0 0413298399 O 01/01/32 0 7062750 E22/G02 F 193,600.00 ZZ 360 193,600.00 1 7.500 1,353.68 80 7.250 1,353.68 MINDEN NV 89423 5 12/13/01 00 0413320375 05 02/01/02 0 0413320375 O 01/01/32 0 7062756 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 7.375 1,049.83 56 7.125 1,049.83 IPSWICH MA 01938 2 12/14/01 00 0413330358 05 02/01/02 0 1 0413330358 O 01/01/32 0 7062766 E22/G02 F 275,000.00 ZZ 360 275,000.00 1 6.875 1,806.55 75 6.625 1,806.55 SAN JOSE CA 95122 5 12/05/01 00 0413341637 05 02/01/02 0 0413341637 O 01/01/32 0 7062798 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 7.875 609.06 80 7.625 609.06 PUEBLO WEST CO 81007 2 12/17/01 00 0413357294 05 02/01/02 0 0413357294 N 01/01/32 0 7062812 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 7.375 1,036.01 75 7.125 1,036.01 GLENDALE OR 97442 5 12/13/01 00 0413362336 05 02/01/02 0 0413362336 O 01/01/32 0 7062818 E22/G02 F 130,200.00 T 360 130,200.00 1 8.375 989.61 70 8.125 989.61 LAUDERDALE BY T FL 33308 1 12/13/01 00 0413365693 06 02/01/02 0 0413365693 O 01/01/32 0 7062870 E22/G02 F 235,000.00 ZZ 360 235,000.00 1 7.250 1,603.11 54 7.000 1,603.11 HORSESHOE BAY TX 78657 5 12/14/01 00 0413395740 03 02/01/02 0 0413395740 O 01/01/32 0 1 7062880 E22/G02 F 550,000.00 ZZ 360 550,000.00 4 8.625 4,277.84 80 8.375 4,277.84 NEW YORK NY 10027 5 12/14/01 00 0413398975 05 02/01/02 0 0413398975 O 01/01/32 0 7063682 Q99/G02 F 173,000.00 ZZ 360 173,000.00 1 8.500 1,330.22 68 8.250 1,330.22 NARRAGANSETT RI 02882 5 12/28/01 00 0433519360 05 02/01/02 0 1 N 01/01/32 0 7064952 J83/G02 F 145,000.00 ZZ 360 144,889.67 1 7.375 1,001.48 60 7.125 1,001.48 LAS VEGAS NV 89134 1 11/09/01 00 0433548443 03 01/01/02 0 311846 O 12/01/31 0 7067574 W93/G02 F 400,000.00 ZZ 360 400,000.00 1 6.875 2,627.72 80 6.625 2,627.72 MORRISON CO 80465 5 12/06/01 00 0433507621 09 02/01/02 0 77352129 O 01/01/32 0 7067638 W93/G02 F 384,000.00 ZZ 360 384,000.00 1 6.875 2,522.61 80 6.625 2,522.61 SAN DIEGO CA 92107 5 12/03/01 00 0433507688 05 02/01/02 0 28297378 O 01/01/32 0 7067816 E22/G02 F 129,600.00 ZZ 360 129,600.00 1 8.000 950.96 80 7.750 950.96 1 GUNTER TX 75058 1 12/20/01 00 0413212788 05 02/01/02 0 0413212788 O 01/01/32 0 7067820 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 6.875 755.47 72 6.625 755.47 VICTORVILLE CA 92392 2 12/12/01 00 0413236852 03 02/01/02 0 0413236852 O 01/01/32 0 7067822 E22/G02 F 314,000.00 ZZ 360 314,000.00 1 7.500 2,195.53 78 7.250 2,195.53 BELLEVUE WA 98004 5 12/13/01 00 0413238064 05 02/01/02 0 0413238064 O 01/01/32 0 7067838 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 8.500 692.02 75 8.250 692.02 EAST PATCHOGUE NY 11772 5 12/19/01 00 0413285594 05 02/01/02 0 0413285594 N 01/01/32 0 7067856 E22/G02 F 331,200.00 ZZ 360 331,200.00 1 7.750 2,372.76 80 7.500 2,372.76 DALLAS TX 75225 5 12/13/01 00 0413322868 05 02/01/02 0 0413322868 O 01/01/32 0 7067860 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 7.375 2,154.91 80 7.125 2,154.91 ANAHEIM HILLS CA 92808 1 12/18/01 00 0413326778 03 02/01/02 0 0413326778 O 01/01/32 0 1 7067870 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 7.250 511.63 50 7.000 511.63 REDDING CA 96003 5 12/11/01 00 0413338427 05 02/01/02 0 0413338427 O 01/01/32 0 7067882 E22/G02 F 551,200.00 ZZ 360 551,200.00 1 7.750 3,948.86 80 7.500 3,948.86 SAN JOSE CA 95121 1 12/13/01 00 0413354770 05 02/01/02 0 0413354770 O 01/01/32 0 7067894 E22/G02 F 126,000.00 ZZ 360 126,000.00 2 8.750 991.24 90 8.500 991.24 NEW ORLEANS LA 70115 2 12/20/01 04 0413367533 05 02/01/02 25 0413367533 N 01/01/32 0 7067896 E22/G02 F 236,000.00 ZZ 360 236,000.00 1 7.875 1,711.16 80 7.625 1,711.16 SAN JOSE CA 95127 1 12/13/01 00 0413368119 05 02/01/02 0 0413368119 N 01/01/32 0 7067902 E22/G02 F 28,600.00 ZZ 360 28,600.00 1 8.500 219.91 90 8.250 219.91 SOUTH BEND IN 46619 1 12/20/01 01 0413376302 05 02/01/02 25 0413376302 N 01/01/32 0 7067940 E22/G02 F 300,000.00 ZZ 240 300,000.00 1 1 6.875 2,303.44 79 6.625 2,303.44 RICHMOND CA 94803 5 12/13/01 00 0413403924 05 02/01/02 0 0413403924 O 01/01/22 0 7067942 E22/G02 F 212,800.00 ZZ 360 212,800.00 1 7.875 1,542.95 80 7.625 1,542.95 SPRINGFIELD VA 22151 1 12/19/01 00 0413405143 05 02/01/02 0 0413405143 O 01/01/32 0 7067968 E22/G02 F 256,500.00 ZZ 360 256,500.00 1 8.375 1,949.59 90 8.125 1,949.59 THORNTON CO 80601 1 12/19/01 01 0413434374 03 02/01/02 30 0413434374 O 01/01/32 0 7070454 W93/G02 F 113,000.00 ZZ 360 112,909.64 2 7.125 761.30 70 6.875 761.30 LODI CA 95240 2 11/19/01 00 0433507670 05 01/01/02 0 46316558 N 12/01/31 0 7077340 W93/G02 F 245,000.00 ZZ 360 244,794.17 1 6.875 1,609.48 79 6.625 1,609.48 ALHAMBRA CA 91801 2 11/20/01 00 0433507639 05 01/01/02 0 03349956 O 12/01/31 0 7077838 952/G02 F 168,000.00 ZZ 360 168,000.00 2 7.750 1,203.58 52 7.500 1,203.58 LINDEN NJ 07036 5 12/13/01 00 0433538857 05 02/01/02 0 1 20014855 O 01/01/32 0 7079080 W93/G02 F 350,000.00 ZZ 360 349,705.96 1 6.875 2,299.25 58 6.625 2,299.25 LITTLETON CO 80123 5 11/26/01 00 0433508132 03 01/01/02 0 77352074 O 12/01/31 0 7084706 S43/G02 F 148,500.00 ZZ 360 148,500.00 4 8.250 1,115.63 90 8.000 1,115.63 ALBUQUERQUE NM 87112 1 12/28/01 01 0433544723 05 02/01/02 25 012082 N 01/01/32 0 7086382 E22/G02 F 379,000.00 ZZ 360 379,000.00 1 7.500 2,650.02 64 7.250 2,650.02 DALLAS TX 75240 5 12/17/01 00 0413216458 05 02/01/02 0 0413216458 O 01/01/32 0 7086422 E22/G02 F 230,000.00 ZZ 360 230,000.00 1 7.375 1,588.55 74 7.125 1,588.55 REDWOOD VALLEY CA 95470 5 12/10/01 00 0413303777 03 02/01/02 0 0413303777 O 01/01/32 0 7086430 E22/G02 F 171,200.00 ZZ 360 171,200.00 1 7.625 1,211.74 80 7.375 1,211.74 EL CAJON CA 92020 1 12/18/01 00 0413312216 05 02/01/02 0 0413312216 N 01/01/32 0 1 7086480 E22/G02 F 48,675.00 ZZ 360 48,675.00 1 8.625 378.59 75 8.375 378.59 INDEPENDENCE MO 64050 5 12/21/01 00 0413354929 05 02/01/02 0 0413354929 N 01/01/32 0 7086498 E22/G02 F 149,600.00 ZZ 360 149,600.00 1 7.250 1,020.54 80 7.000 1,020.54 DEEP RIVER CT 06417 5 12/17/01 00 0413363847 05 02/01/02 0 0413363847 O 01/01/32 0 7086526 E22/G02 F 56,000.00 ZZ 360 56,000.00 2 8.500 430.59 80 8.250 430.59 ORLANDO FL 32805 1 12/21/01 00 0413377433 05 02/01/02 0 0413377433 N 01/01/32 0 7086544 E22/G02 F 56,000.00 ZZ 360 56,000.00 2 8.500 430.59 80 8.250 430.59 ORLANDO FL 32805 1 12/21/01 00 0413380478 05 02/01/02 0 0413380478 N 01/01/32 0 7086554 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 8.500 961.14 67 8.250 961.14 BELLAIRE TX 77401 5 12/17/01 00 0413385956 05 02/01/02 0 0413385956 O 01/01/32 0 7086580 E22/G02 F 106,800.00 ZZ 360 106,800.00 1 7.375 737.64 67 7.125 737.64 1 SOUTH LAKE TAHO CA 96150 1 12/12/01 00 0413407008 01 02/01/02 0 0413407008 N 01/01/32 0 7086582 E22/G02 F 383,200.00 ZZ 360 383,200.00 1 7.125 2,581.69 80 6.875 2,581.69 SAN RAMON CA 94583 1 12/19/01 00 0413407784 05 02/01/02 0 0413407784 O 01/01/32 0 7090280 P29/G02 F 106,110.00 ZZ 360 106,110.00 1 8.750 834.77 90 8.500 834.77 NORTH LIBERTY IA 52317 1 12/31/01 14 0433519956 01 02/01/02 25 7090280 N 01/01/32 0 7090880 F96/G02 F 196,650.00 ZZ 360 196,650.00 3 8.750 1,547.05 95 8.500 1,547.05 NEWARK NJ 07106 1 12/28/01 12 0433549441 05 02/01/02 30 0107401 O 01/01/32 0 7094566 696/G02 F 279,920.00 ZZ 360 279,920.00 1 8.250 2,102.95 80 8.000 2,102.95 MIDDLEBURG VA 20117 1 12/20/01 00 0433489465 05 02/01/02 0 50101247 O 01/01/32 0 7094828 E23/G02 F 300,000.00 ZZ 360 300,000.00 1 7.500 2,097.64 68 7.250 2,097.64 CORONA CA 92883 1 12/19/01 00 0433548203 09 02/01/02 0 51007739 O 01/01/32 0 1 7096040 G52/G02 F 154,000.00 ZZ 360 153,571.86 4 7.875 1,116.61 70 7.625 1,116.61 FONTANA CA 92336 2 08/27/01 00 0433495314 05 10/01/01 0 820000108 N 09/01/31 0 7100676 E23/G02 F 275,000.00 ZZ 360 275,000.00 1 7.250 1,875.98 79 7.000 1,875.98 TRACY CA 95376 5 12/06/01 00 0433548054 05 02/01/02 0 51009255 O 01/01/32 0 7101552 B76/G02 F 94,500.00 ZZ 360 94,500.00 1 8.375 718.27 90 8.125 718.27 FLINT MI 48503 1 12/27/01 10 0433529971 05 02/01/02 25 0001037076 N 01/01/32 0 7103518 N47/G02 F 357,300.00 ZZ 360 357,300.00 1 7.125 2,407.20 80 6.875 2,407.20 CHULA VISTA CA 91913 1 12/28/01 00 0433549755 03 02/01/02 0 30112859 O 01/01/32 0 7105396 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 7.000 1,397.14 75 6.750 1,397.14 SAN DIEGO CA 92104 5 12/14/01 00 0413133182 01 02/01/02 0 0413133182 O 01/01/32 0 7105434 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 1 8.250 1,923.24 80 8.000 1,923.24 MEDFIELD MA 02052 5 12/19/01 00 0413276320 05 02/01/02 0 0413276320 O 01/01/32 0 7105436 E22/G02 F 128,250.00 ZZ 360 128,250.00 1 8.125 952.26 95 7.875 952.26 DOWAGIAC MI 49047 1 12/07/01 04 0413279720 05 02/01/02 35 0413279720 O 01/01/32 0 7105442 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 7.000 1,330.60 77 6.750 1,330.60 LA MESA CA 91942 5 12/14/01 00 0413301102 05 02/01/02 0 0413301102 O 01/01/32 0 7105462 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 7.250 1,446.21 80 7.000 1,446.21 SHOREVIEW MN 55126 5 12/20/01 00 0413323643 05 02/01/02 0 0413323643 O 01/01/32 0 7105464 E22/G02 F 168,800.00 ZZ 360 168,800.00 1 7.500 1,180.27 80 7.250 1,180.27 BURLINGTON VT 05401 5 12/18/01 00 0413324195 05 02/01/02 0 0413324195 O 01/01/32 0 7105488 E22/G02 F 349,000.00 ZZ 360 349,000.00 1 7.125 2,351.28 79 6.875 2,351.28 PLEASANTON CA 94566 5 12/13/01 00 0413366311 05 02/01/02 0 1 0413366311 O 01/01/32 0 7105492 E22/G02 F 412,500.00 ZZ 360 412,500.00 1 7.375 2,849.03 75 7.125 2,849.03 SHINGLE SPRINGS CA 95682 5 12/13/01 00 0413368648 05 02/01/02 0 0413368648 O 01/01/32 0 7105500 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 7.875 1,740.17 48 7.625 1,740.17 WEST BLOOMFIELD MI 48322 2 12/18/01 00 0413371543 05 02/01/02 0 0413371543 O 01/01/32 0 7105504 E22/G02 F 232,500.00 ZZ 360 232,500.00 1 8.250 1,746.69 94 8.000 1,746.69 CHICAGO IL 60634 5 12/21/01 11 0413376294 05 02/01/02 30 0413376294 O 01/01/32 0 7105510 E22/G02 F 210,000.00 ZZ 360 210,000.00 1 8.375 1,596.15 76 8.125 1,596.15 S ROCKWOOD MI 48179 5 12/07/01 00 0413377466 05 02/01/02 0 0413377466 O 01/01/32 0 7105514 E22/G02 F 53,000.00 ZZ 360 53,000.00 1 6.750 343.76 43 6.500 343.76 RIVERSIDE CA 92503 5 12/13/01 00 0413380064 05 02/01/02 0 0413380064 O 01/01/32 0 1 7105540 E22/G02 F 310,400.00 ZZ 360 310,400.00 1 7.375 2,143.86 80 7.125 2,143.86 RENO NV 89509 5 12/12/01 00 0413398488 05 02/01/02 0 0413398488 O 01/01/32 0 7105560 E22/G02 F 159,000.00 ZZ 360 159,000.00 1 8.375 1,208.51 85 8.125 1,208.51 COUNCIL BLUFFS IA 51503 2 12/07/01 01 0413419524 05 02/01/02 25 0413419524 O 01/01/32 0 7106516 944/G02 F 239,200.00 ZZ 360 238,816.30 1 7.125 1,611.54 80 6.875 1,611.54 FAIR OAKS CA 95628 5 10/26/01 00 0433542008 05 12/01/01 0 W01090276 O 11/01/31 0 7106958 944/G02 F 274,000.00 ZZ 360 273,115.71 1 7.125 1,845.99 75 6.875 1,845.99 RANCHO SANTA MA CA 92688 5 08/20/01 00 0433542362 03 10/01/01 0 W88020617 O 09/01/31 0 7107326 944/G02 F 350,000.00 ZZ 360 348,842.35 1 7.000 2,328.56 70 6.750 2,328.56 SEBASTOPOL CA 95472 1 08/29/01 00 0433542271 05 10/01/01 0 W01082109 O 09/01/31 0 7109228 E82/G02 F 159,500.00 ZZ 360 159,500.00 1 6.750 1,034.51 56 6.500 1,034.51 1 MALDEN MA 02148 2 12/20/01 00 0400522009 05 02/01/02 0 0400522009 O 01/01/32 0 7109470 944/G02 F 420,000.00 ZZ 360 419,638.39 1 6.750 2,724.12 75 6.500 2,724.12 CANBY OR 97013 2 11/02/01 00 0433542248 05 01/01/02 0 W01083399 O 12/01/31 0 7109688 944/G02 F 205,100.00 ZZ 360 204,387.69 1 6.750 1,330.28 94 6.500 1,330.28 CHANDLER AZ 85249 2 08/16/01 04 0433542354 03 10/01/01 30 W01070761 O 09/01/31 0 7109800 X08/G02 F 184,500.00 ZZ 360 184,500.00 4 8.375 1,402.33 90 8.125 1,402.33 SALT LAKE CITY UT 84102 1 12/13/01 10 0433513876 05 02/01/02 25 6004701 N 01/01/32 0 7110264 944/G02 F 230,000.00 ZZ 360 229,416.58 1 6.875 1,510.94 79 6.625 1,510.94 LAGUNA HILLS CA 92653 5 09/04/01 00 0433542206 05 11/01/01 0 W88020689 O 10/01/31 0 7111824 B44/G02 F 253,600.00 ZZ 360 253,392.12 1 7.000 1,687.21 80 6.750 1,687.21 GARDNERVILLE NV 89410 5 11/13/01 00 0433537693 05 01/01/02 0 3011768 O 12/01/31 0 1 7113212 405/405 F 600,000.00 ZZ 360 599,483.41 1 6.750 3,891.59 73 6.250 3,891.59 NEWPORT BEACH CA 92663 2 11/13/01 00 0017878307 05 01/01/02 0 0017878307 O 12/01/31 0 7113298 405/405 F 613,000.00 ZZ 360 613,000.00 1 6.875 4,026.98 73 6.375 4,026.98 SOLANA BEACH CA 92075 2 12/03/01 00 0017947375 03 02/01/02 0 0017947375 O 01/01/32 0 7113314 405/405 F 450,000.00 ZZ 360 449,593.19 1 6.500 2,844.31 71 6.250 2,844.31 SAN FRANCISCO CA 94131 5 11/21/01 00 0017953662 03 01/01/02 0 0017953662 O 12/01/31 0 7113318 405/405 F 650,000.00 ZZ 360 649,412.39 1 6.500 4,108.44 77 6.250 4,108.44 SANTA CLARITA CA 91387 5 11/20/01 00 0017954207 05 01/01/02 0 0017954207 O 12/01/31 0 7113350 405/405 F 463,000.00 ZZ 360 462,629.74 1 7.125 3,119.32 78 6.625 3,119.32 YORBA LINDA CA 92887 5 11/21/01 00 0017969569 03 01/01/02 0 0017969569 O 12/01/31 0 7113354 405/405 F 318,000.00 ZZ 360 317,732.84 1 1 6.875 2,089.04 79 6.375 2,089.04 FORT COLLINS CO 80528 5 11/28/01 00 0017974320 03 01/01/02 0 0017974320 O 12/01/31 0 7113378 405/405 F 500,000.00 ZZ 360 499,600.15 1 7.125 3,368.60 78 6.625 3,368.60 LA CRESCENTA CA 91214 5 11/27/01 00 0018005942 05 01/01/02 0 0018005942 O 12/01/31 0 7113402 405/405 F 420,000.00 ZZ 360 419,647.15 1 6.875 2,759.10 73 6.375 2,759.10 WOODLAND HILLS CA 91364 5 11/09/01 00 0019958859 05 01/01/02 0 0019958859 O 12/01/31 0 7113404 405/405 F 450,000.00 ZZ 360 449,337.50 1 6.500 2,844.31 79 6.250 2,844.31 DALY CITY CA 94014 5 11/15/01 00 0019963214 05 01/01/02 0 0019963214 O 12/01/31 0 7115626 A50/G02 F 345,100.00 ZZ 360 344,802.88 1 6.750 2,238.31 80 6.500 2,238.31 PHENIX CITY AL 36867 5 12/03/01 00 0433548021 05 01/01/02 0 545440 O 12/01/31 0 7117580 F96/G02 F 100,000.00 ZZ 360 100,000.00 1 8.125 742.50 80 7.875 742.50 TOWN OF WEST NE NJ 07093 1 12/31/01 00 0433544046 05 02/01/02 0 1 0107445 N 01/01/32 0 7125764 E22/G02 F 240,000.00 ZZ 360 240,000.00 4 7.875 1,740.17 80 7.625 1,740.17 LONG BEACH CA 90813 2 12/17/01 00 0413283102 05 02/01/02 0 0413283102 O 01/01/32 0 7125788 E22/G02 F 109,700.00 ZZ 360 109,700.00 1 8.625 853.24 58 8.375 853.24 ROME CITY IN 46784 5 12/26/01 00 0413330507 05 02/01/02 0 0413330507 N 01/01/32 0 7125820 E22/G02 F 183,600.00 ZZ 360 183,600.00 1 7.250 1,252.48 90 7.000 1,252.48 SPOKANE WA 99218 2 12/14/01 04 0413348509 05 02/01/02 25 0413348509 O 01/01/32 0 7125846 E22/G02 F 354,000.00 ZZ 360 354,000.00 1 7.625 2,505.59 74 7.375 2,505.59 PENN VALLEY CA 95946 5 12/13/01 00 0413378985 05 02/01/02 0 0413378985 O 01/01/32 0 7125854 E22/G02 F 442,000.00 ZZ 360 442,000.00 2 7.500 3,090.53 85 7.250 3,090.53 REDWOOD CITY CA 94063 2 12/13/01 01 0413383902 05 02/01/02 12 0413383902 O 01/01/32 0 1 7125874 E22/G02 F 50,000.00 ZZ 360 50,000.00 2 8.250 375.63 90 8.000 375.63 GRAND RAPIDS MI 49506 1 12/26/01 01 0413403213 05 02/01/02 25 0413403213 N 01/01/32 0 7125948 E22/G02 F 170,400.00 ZZ 360 170,400.00 1 7.500 1,191.46 80 7.250 1,191.46 YAKIMA WA 98908 1 12/19/01 00 0413471350 05 02/01/02 0 0413471350 O 01/01/32 0 7125952 E22/G02 F 139,000.00 ZZ 360 139,000.00 1 8.125 1,032.07 95 7.875 1,032.07 WEATHERFORD TX 76085 1 12/26/01 04 0413487737 05 02/01/02 30 0413487737 O 01/01/32 0 7127942 W70/W70 F 424,000.00 ZZ 360 423,643.80 1 6.875 2,785.37 76 6.625 2,785.37 HINSDALE IL 60521 5 11/24/01 00 511023527 05 01/01/02 0 511023527 O 12/01/31 0 7129648 E82/G02 F 53,900.00 ZZ 360 53,900.00 2 7.250 367.69 72 7.000 367.69 SAN ANTONIO TX 78228 2 12/20/01 00 0400533436 05 02/01/02 0 0400533436 N 01/01/32 0 7134328 T29/G02 F 162,000.00 ZZ 360 162,000.00 4 8.000 1,188.70 90 7.750 1,188.70 1 MOSES LAKE WA 98837 1 12/11/01 04 0433533684 05 02/01/02 25 1140915 N 01/01/32 0 7134348 T29/G02 F 162,000.00 ZZ 360 161,830.39 4 8.000 1,188.70 90 7.750 1,188.70 MOSES LAKE WA 98837 1 11/30/01 04 0433547999 05 01/01/02 25 1140916 N 12/01/31 0 7134376 T29/G02 F 166,500.00 ZZ 360 166,383.24 4 8.000 1,221.72 90 7.750 1,221.72 MOSES LAKE WA 98837 1 11/30/01 04 0433547965 05 01/01/02 25 1140916 N 12/01/31 0 7134398 T29/G02 F 180,000.00 ZZ 360 179,804.59 4 8.000 1,320.78 90 7.750 1,320.78 MOSES LAKE WA 98837 1 11/30/01 04 0433533627 05 01/01/02 25 1140916 N 12/01/31 0 7136064 E22/G02 F 373,200.00 ZZ 360 373,200.00 1 7.375 2,577.60 80 7.125 2,577.60 LAKE CHARLES LA 70605 5 12/21/01 00 0413228321 05 02/01/02 0 0413228321 O 01/01/32 0 7136086 E22/G02 F 185,000.00 ZZ 360 185,000.00 1 7.500 1,293.55 78 7.250 1,293.55 VAN NUYS CA 91406 2 12/18/01 00 0413287376 05 02/01/02 0 0413287376 O 01/01/32 0 1 7136092 E22/G02 F 345,000.00 ZZ 360 345,000.00 1 7.000 2,295.29 80 6.750 2,295.29 CLAYTON CA 94517 2 12/13/01 00 0413298878 05 02/01/02 0 0413298878 O 01/01/32 0 7136100 E22/G02 F 650,000.00 ZZ 360 650,000.00 1 7.000 4,324.47 78 6.750 4,324.47 KATY TX 77450 5 12/20/01 00 0413310707 03 02/01/02 0 0413310707 O 01/01/32 0 7136106 E22/G02 F 332,000.00 ZZ 360 332,000.00 1 6.875 2,181.00 80 6.625 2,181.00 ANTIOCH CA 94509 2 12/13/01 00 0413319369 05 02/01/02 0 0413319369 O 01/01/32 0 7136130 E22/G02 F 142,000.00 ZZ 360 142,000.00 1 7.250 968.69 80 7.000 968.69 PFLUGERVILLE TX 78660 5 12/19/01 00 0413342775 05 02/01/02 0 0413342775 O 01/01/32 0 7136150 E22/G02 F 237,600.00 ZZ 360 237,600.00 1 7.250 1,620.85 80 7.000 1,620.85 PARADISE TX 76073 5 12/17/01 00 0413359183 05 02/01/02 0 0413359183 O 01/01/32 0 7136152 E22/G02 F 620,000.00 ZZ 360 620,000.00 1 1 7.500 4,335.13 80 7.250 4,335.13 RANCHO PALOS VE CA 90275 2 12/18/01 00 0413360256 05 02/01/02 0 0413360256 O 01/01/32 0 7136202 E22/G02 F 273,000.00 ZZ 360 273,000.00 1 7.375 1,885.54 70 7.125 1,885.54 SAN FRANCISCO CA 94112 5 12/14/01 00 0413389701 05 02/01/02 0 0413389701 O 01/01/32 0 7136204 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 7.750 2,865.65 74 7.500 2,865.65 FRISCO TX 75034 5 12/21/01 00 0413390303 03 02/01/02 0 0413390303 O 01/01/32 0 7136210 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 8.375 942.49 80 8.125 942.49 NAMPA ID 83687 2 12/14/01 00 0413392002 03 02/01/02 0 0413392002 N 01/01/32 0 7136246 E22/G02 F 320,000.00 ZZ 360 320,000.00 1 6.875 2,102.17 80 6.625 2,102.17 SAN JOSE CA 95148 5 12/17/01 00 0413406406 05 02/01/02 0 0413406406 O 01/01/32 0 7136260 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 7.750 2,005.95 80 7.500 2,005.95 MONTEVALLO AL 35115 5 12/21/01 00 0413413204 05 02/01/02 0 1 0413413204 O 01/01/32 0 7136298 E22/G02 F 255,000.00 ZZ 360 255,000.00 1 7.375 1,761.22 67 7.125 1,761.22 WINDSOR CA 95492 1 12/20/01 00 0413432741 05 02/01/02 0 0413432741 O 01/01/32 0 7136328 E22/G02 F 30,400.00 ZZ 360 30,400.00 1 8.125 225.72 85 7.875 225.72 SAGINAW MI 48602 2 12/26/01 04 0413448218 05 02/01/02 20 0413448218 N 01/01/32 0 7136334 E22/G02 F 35,100.00 ZZ 360 35,100.00 1 8.125 260.62 90 7.875 260.62 SAGINAW MI 48602 2 12/27/01 04 0413449844 05 02/01/02 25 0413449844 N 01/01/32 0 7136342 E22/G02 F 70,200.00 ZZ 360 70,200.00 1 7.750 502.92 90 7.500 502.92 GRIFFIN GA 30224 1 12/27/01 01 0413459850 05 02/01/02 25 0413459850 N 01/01/32 0 7139344 E22/G02 F 246,400.00 ZZ 360 246,400.00 1 7.000 1,639.31 79 6.750 1,639.31 FILLMORE CA 93015 2 12/14/01 00 0413285248 05 02/01/02 0 0413285248 O 01/01/32 0 1 7139388 E22/G02 F 356,000.00 ZZ 360 356,000.00 1 7.250 2,428.55 80 7.000 2,428.55 GLENDORA CA 91741 1 12/20/01 00 0413342601 05 02/01/02 0 0413342601 O 01/01/32 0 7139432 E22/G02 F 355,350.00 ZZ 360 355,350.00 1 8.375 2,700.92 90 8.125 2,700.92 FOUNTAIN VALLEY CA 92708 1 12/20/01 04 0413391848 03 02/01/02 25 0413391848 O 01/01/32 0 7141556 964/G02 F 256,500.00 ZZ 360 256,500.00 4 7.375 1,771.58 90 7.125 1,771.58 ANAHEIM CA 92805 1 12/03/01 14 0433493855 05 02/01/02 25 164718 N 01/01/32 0 7145184 736/G02 F 335,000.00 ZZ 360 334,732.10 1 7.125 2,256.96 72 6.875 2,256.96 LA MESA CA 91941 5 11/26/01 00 0433528791 05 01/01/02 0 0104889852 O 12/01/31 0 7145186 736/G02 F 118,000.00 ZZ 360 117,910.21 1 7.375 815.00 77 7.125 815.00 MIRA LOMA CA 91752 5 11/27/01 00 0433496130 05 01/01/02 0 0104844519 O 12/01/31 0 7145258 736/G02 F 275,000.00 ZZ 360 274,785.47 1 7.250 1,875.99 80 7.000 1,875.99 1 LIVERMORE CO 80536 5 11/21/01 00 0433494093 05 01/01/02 0 0104657838 O 12/01/31 0 7145268 736/G02 F 208,000.00 ZZ 360 207,463.95 1 8.250 1,562.64 78 8.000 1,562.64 CHERRY HILL NJ 08003 5 08/27/01 00 0433500709 05 10/01/01 0 0104139597 O 09/01/31 0 7156568 731/G02 F 236,000.00 ZZ 360 235,820.43 1 7.375 1,629.99 80 7.125 1,629.99 COSTA MESA CA 92627 5 11/21/01 00 0433547304 05 01/01/02 0 412143836 O 12/01/31 0 7158278 E22/G02 F 192,000.00 ZZ 360 192,000.00 4 8.500 1,476.31 80 8.250 1,476.31 UPLAND CA 91786 1 12/19/01 00 0413047382 05 02/01/02 0 0413047382 N 01/01/32 0 7158326 E22/G02 F 260,000.00 ZZ 360 260,000.00 3 8.500 1,999.18 83 8.250 1,999.18 BROOKLYN NY 11223 5 12/24/01 01 0413293911 05 02/01/02 12 0413293911 O 01/01/32 0 7158432 E22/G02 F 146,250.00 ZZ 360 146,250.00 1 8.250 1,098.73 90 8.000 1,098.73 THORNTON CO 80229 1 12/31/01 01 0413388257 05 02/01/02 25 0413388257 N 01/01/32 0 1 7158450 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 7.250 1,227.92 50 7.000 1,227.92 CASTRO VALLEY CA 94546 5 12/20/01 00 0413396441 05 02/01/02 0 0413396441 O 01/01/32 0 7158484 E22/G02 F 287,000.00 ZZ 360 287,000.00 1 7.125 1,933.57 84 6.875 1,933.57 YORBA LINDA CA 92887 5 12/19/01 04 0413409632 05 02/01/02 12 0413409632 O 01/01/32 0 7158522 E22/G02 F 540,000.00 ZZ 360 540,000.00 1 7.375 3,729.65 80 7.125 3,729.65 GRANITE BAY CA 95746 1 12/24/01 00 0413428020 03 02/01/02 0 0413428020 O 01/01/32 0 7158584 E22/G02 F 48,750.00 ZZ 360 48,750.00 1 8.500 374.85 75 8.250 374.85 SEMMES AL 36575 5 12/31/01 00 0413455973 05 02/01/02 0 0413455973 N 01/01/32 0 7158594 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 8.125 1,410.74 100 7.875 1,410.74 LIVONIA MI 48154 2 12/27/01 04 0413461906 05 02/01/02 35 0413461906 O 01/01/32 0 7159396 W93/G02 F 342,000.00 ZZ 360 341,705.54 1 1 6.750 2,218.21 78 6.500 2,218.21 IRVINE CA 92620 5 11/21/01 00 0433507613 03 01/01/02 0 03349975 O 12/01/31 0 7163054 253/253 F 252,000.00 ZZ 360 252,000.00 1 7.500 1,762.03 80 7.250 1,762.03 SANTA FE NM 87501 1 12/14/01 00 990031 03 02/01/02 0 990031 O 01/01/32 0 7163422 U45/G02 F 207,000.00 ZZ 360 207,000.00 1 7.500 1,447.37 52 7.250 1,447.37 SALT LAKE CITY UT 84108 5 12/11/01 00 0433545365 05 02/01/02 0 6079010797 O 01/01/32 0 7166574 069/G02 F 187,800.00 ZZ 360 187,800.00 1 7.125 1,265.25 75 6.875 1,265.25 SANTA CLARITA CA 91390 1 12/06/01 00 0433508579 05 02/01/02 0 88242573 N 01/01/32 0 7168234 069/G02 F 432,000.00 ZZ 360 432,000.00 1 7.375 2,983.72 80 7.125 2,983.72 LOS ANGELES CA 90732 1 12/10/01 00 0433506219 05 02/01/02 0 88242235 O 01/01/32 0 7169368 286/286 F 485,250.00 ZZ 360 484,832.20 1 6.750 3,147.33 83 6.500 3,147.33 LAS VEGAS NV 89129 2 11/07/01 14 677760 03 01/01/02 12 1 677760 O 12/01/31 0 7169370 286/286 F 607,500.00 ZZ 360 605,160.07 1 7.375 4,195.86 90 7.125 4,195.86 SEBAGO ME 04024 1 07/02/01 12 361245 05 09/01/01 25 361245 O 08/01/31 0 7169372 286/286 F 500,000.00 ZZ 360 499,590.15 1 7.000 3,326.52 80 6.750 3,326.52 DIX HILLS NY 11746 1 11/15/01 00 597996 05 01/01/02 0 597996 O 12/01/31 0 7169374 286/286 F 490,000.00 ZZ 360 489,505.21 2 6.625 3,137.53 62 6.375 3,137.53 LA JOLLA CA 92037 5 11/05/01 00 669323 05 01/01/02 0 669323 O 12/01/31 0 7169376 286/286 F 471,200.00 ZZ 360 470,804.13 1 6.875 3,095.45 80 6.625 3,095.45 DALLAS TX 75248 1 11/15/01 00 682817 03 01/01/02 0 682817 O 12/01/31 0 7169378 286/286 F 183,000.00 ZZ 360 182,864.18 1 7.500 1,279.57 59 7.250 1,279.57 CHICAGO IL 60656 5 11/09/01 00 682933 05 01/01/02 0 682933 O 12/01/31 0 1 7169382 286/286 F 270,000.00 ZZ 360 269,794.54 1 7.375 1,864.83 73 7.125 1,864.83 DURANGO CO 81301 5 11/09/01 00 676478 05 01/01/02 0 676478 O 12/01/31 0 7169384 286/286 F 218,000.00 ZZ 360 217,829.94 1 7.250 1,487.14 80 7.000 1,487.14 FORT COLLINS CO 80526 2 11/09/01 00 688972 05 01/01/02 0 688972 O 12/01/31 0 7169386 286/286 F 308,000.00 ZZ 360 307,759.72 1 7.250 2,101.11 80 7.000 2,101.11 HOUSTON TX 77027 1 11/16/01 00 833459 03 01/01/02 0 833459 O 12/01/31 0 7169394 286/286 F 200,000.00 ZZ 360 199,836.06 1 7.000 1,330.61 61 6.750 1,330.61 CUMMING GA 30040 2 11/07/01 00 578417 05 01/01/02 0 578417 O 12/01/31 0 7169396 286/286 F 140,000.00 ZZ 360 139,890.78 1 7.250 955.05 74 7.000 955.05 JACKSON NJ 08527 5 11/09/01 00 546340 05 01/01/02 0 546340 O 12/01/31 0 7169402 286/286 F 225,000.00 ZZ 360 224,810.97 1 6.875 1,478.09 69 6.625 1,478.09 1 PINETOP AZ 85935 5 11/09/01 00 839277 05 01/01/02 0 839277 O 12/01/31 0 7169406 286/286 F 370,000.00 ZZ 360 369,476.02 1 7.750 2,650.73 80 7.500 2,650.73 HOLLYWOOD FL 33019 1 10/31/01 00 623603 03 12/01/01 0 623603 O 11/01/31 0 7169408 286/286 F 509,450.00 ZZ 360 508,672.30 1 8.000 3,738.17 82 7.500 3,738.17 WASHINGTON DC 20009 2 10/05/01 11 391216 05 12/01/01 12 391216 O 11/01/31 0 7169416 286/286 F 199,500.00 ZZ 360 199,340.46 1 7.125 1,344.07 70 6.875 1,344.07 LIVERMORE CA 94550 5 11/08/01 00 9907302 05 01/01/02 0 9907302 O 12/01/31 0 7169418 286/286 F 93,200.00 ZZ 360 93,130.83 1 7.500 651.67 42 7.250 651.67 MOUNT SHASTA CA 96067 5 11/02/01 00 9906513 05 01/01/02 0 9906513 O 12/01/31 0 7169420 286/286 F 195,000.00 ZZ 360 194,832.11 1 6.750 1,264.77 75 6.500 1,264.77 LODI CA 95240 5 11/05/01 00 9925061 05 01/01/02 0 9925061 O 12/01/31 0 1 7169422 286/286 F 377,000.00 ZZ 360 376,683.28 1 6.875 2,476.62 80 6.625 2,476.62 MCARTHUR CA 96056 5 11/06/01 00 9922401 05 01/01/02 0 9922401 O 12/01/31 0 7169424 286/286 F 235,000.00 ZZ 360 234,787.56 1 6.500 1,485.36 74 6.250 1,485.36 SANTA ROSA CA 95403 5 11/06/01 00 9915106 05 01/01/02 0 9915106 O 12/01/31 0 7169426 286/286 F 265,000.00 ZZ 360 264,777.37 1 6.875 1,740.86 63 6.625 1,740.86 ALAMEDA CA 94501 5 11/02/01 00 9887893 01 01/01/02 0 9887893 O 12/01/31 0 7169428 286/286 F 399,200.00 ZZ 360 398,864.62 1 6.875 2,622.46 80 6.625 2,622.46 FULLERTON CA 92831 1 11/01/01 00 9909847 05 01/01/02 0 9909847 O 12/01/31 0 7169434 286/286 F 140,000.00 ZZ 360 139,666.88 1 6.625 896.44 38 6.375 896.44 OCCIDENTAL CA 95465 2 11/13/01 00 9885304 05 01/01/02 0 9885304 O 12/01/31 0 7169436 286/286 F 390,000.00 ZZ 360 389,672.36 1 1 6.875 2,562.02 75 6.625 2,562.02 FOUNTAIN VALLEY CA 92708 5 11/02/01 00 9913996 05 01/01/02 0 9913996 O 12/01/31 0 7169438 286/286 F 237,500.00 ZZ 360 237,037.16 1 6.125 1,443.08 53 5.875 1,443.08 RANCHO CUCAMONG CA 91739 2 10/30/01 00 9900335 05 12/01/01 0 9900335 O 11/01/31 0 7169440 286/286 F 360,000.00 ZZ 360 359,719.17 1 7.250 2,455.83 77 7.000 2,455.83 OAKDALE CA 95361 5 11/08/01 00 9920584 05 01/01/02 0 9920584 O 12/01/31 0 7169908 286/286 F 500,000.00 ZZ 360 499,579.94 1 6.875 3,284.64 80 6.625 3,284.64 SHERMAN OAKS CA 91423 1 11/06/01 00 9920414 05 01/01/02 0 9920414 O 12/01/31 0 7171542 405/405 F 345,000.00 ZZ 360 345,000.00 1 6.875 2,266.41 79 6.250 2,266.41 CASTRO VALLEY CA 94546 5 12/14/01 00 0017936899 05 02/01/02 0 0017936899 O 01/01/32 0 7171544 405/405 F 404,500.00 ZZ 360 404,500.00 1 6.750 2,623.58 71 6.250 2,623.58 LOS ANGELES CA 91356 2 12/11/01 00 0017943390 05 02/01/02 0 1 0017943390 O 01/01/32 0 7171558 405/405 F 536,000.00 ZZ 360 536,000.00 1 6.750 3,476.49 80 6.250 3,476.49 LOS ANGELES CA 91344 5 12/05/01 00 0017963232 03 02/01/02 0 0017963232 O 01/01/32 0 7171568 405/405 F 552,500.00 ZZ 360 552,500.00 1 6.750 3,583.51 65 6.250 3,583.51 WESTLAKE VILLAG CA 91361 5 12/10/01 00 0018001586 05 02/01/02 0 0018001586 O 01/01/32 0 7171584 405/405 F 650,000.00 ZZ 360 650,000.00 1 6.750 4,215.89 75 6.250 4,215.89 BEVERLY HILLS CA 90211 5 12/17/01 00 0018024398 05 02/01/02 0 0018024398 O 01/01/32 0 7171586 405/405 F 600,000.00 ZZ 360 600,000.00 1 6.875 3,941.57 74 6.250 3,941.57 SAN DIEGO CA 92130 5 12/07/01 00 0018026591 03 02/01/02 0 0018026591 O 01/01/32 0 7171610 405/405 F 492,000.00 ZZ 360 492,000.00 1 6.875 3,232.09 80 6.250 3,232.09 MENLO PARK CA 94025 1 12/18/01 00 0018099341 05 02/01/02 0 0018099341 O 01/01/32 0 1 7171778 405/405 F 380,000.00 ZZ 360 380,000.00 1 6.750 2,464.68 80 6.250 2,464.68 BURBANK CA 91505 5 12/12/01 00 0018001073 05 02/01/02 0 0018001073 O 01/01/32 0 7171780 405/405 F 622,500.00 ZZ 360 622,500.00 1 6.875 4,089.38 75 6.375 4,089.38 SAN ANSELMO CA 94960 5 12/03/01 00 0018007609 05 02/01/02 0 0018007609 O 01/01/32 0 7171782 405/405 F 367,100.00 ZZ 360 367,100.00 1 7.125 2,473.23 90 6.625 2,473.23 THOUSAND OAKS CA 91320 1 12/08/01 11 0018016642 03 02/01/02 25 0018016642 O 01/01/32 0 7171786 405/405 F 342,800.00 ZZ 360 342,800.00 1 6.875 2,251.96 80 6.375 2,251.96 CONCORD CA 94521 1 12/10/01 00 0018036780 05 02/01/02 0 0018036780 O 01/01/32 0 7171804 405/405 F 391,500.00 ZZ 360 391,500.00 1 7.250 2,670.72 90 6.750 2,670.72 LOS ANGELES CA 91607 1 12/18/01 11 0018122002 05 02/01/02 25 0018122002 O 01/01/32 0 7180056 736/G02 F 181,400.00 ZZ 360 181,152.65 1 7.625 1,283.94 80 7.375 1,283.94 1 SAN DIEGO CA 92117 1 11/26/01 00 0433540127 05 01/01/02 0 0104997606 O 12/01/31 0 7180126 736/G02 F 408,600.00 ZZ 360 408,248.20 1 6.750 2,650.18 80 6.500 2,650.18 WASHINGTON DC 20008 5 11/27/01 00 0433514833 05 01/01/02 0 104982285 O 12/01/31 0 7180132 736/G02 F 600,000.00 ZZ 360 599,483.41 1 6.750 3,891.59 80 6.500 3,891.59 CUMMING GA 30041 5 11/16/01 00 0433517018 05 01/01/02 0 104800842 O 12/01/31 0 7180172 736/G02 F 252,000.00 ZZ 360 251,777.66 1 6.625 1,613.59 80 6.375 1,613.59 LOS ANGELES CA 91306 2 11/16/01 00 0433516754 05 01/01/02 0 0104905302 O 12/01/31 0 7182328 069/G02 F 175,000.00 T 360 175,000.00 1 6.625 1,120.55 69 6.375 1,120.55 TORRANCE CA 90505 5 12/04/01 00 0433522919 01 02/01/02 0 88231238 O 01/01/32 0 7201936 E22/G02 F 439,200.00 ZZ 360 439,200.00 1 7.875 3,184.50 80 7.625 3,184.50 MONTARA CA 94037 1 12/18/01 00 0413274952 05 02/01/02 0 0413274952 O 01/01/32 0 1 7202328 069/G02 F 440,000.00 ZZ 360 440,000.00 1 6.750 2,853.84 73 6.500 2,853.84 HUNTINGTON BEAC CA 92648 1 12/05/01 00 0433521325 03 02/01/02 0 88220769 O 01/01/32 0 7210480 736/G02 F 297,000.00 ZZ 360 296,725.31 1 7.375 2,051.31 69 7.125 2,051.31 VIENNA VA 22182 2 11/26/01 00 0433517976 05 01/01/02 0 104123278 O 12/01/31 0 7212676 W40/G02 F 144,000.00 ZZ 360 144,000.00 1 8.125 1,069.20 80 7.875 1,069.20 DEARBORN MI 48124 1 12/28/01 00 0433518321 05 02/01/02 0 101001908 N 01/01/32 0 7213496 P44/G02 F 172,000.00 ZZ 360 172,000.00 1 7.875 1,247.12 80 7.625 1,247.12 BARNSTABLE (HYA MA 02601 5 12/26/01 00 0433546736 05 02/01/02 0 1 O 01/01/32 0 7222452 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 7.375 745.93 80 7.125 745.93 SEVIERVILLE TN 37876 5 12/31/01 00 0413272196 05 02/01/02 0 0413272196 O 01/01/32 0 7222502 E22/G02 F 580,000.00 ZZ 360 580,000.00 1 1 7.250 3,956.62 75 7.000 3,956.62 PACIFICA CA 94044 5 12/21/01 00 0413378084 03 02/01/02 0 0413378084 O 01/01/32 0 7224906 B57/G02 F 120,750.00 ZZ 360 120,750.00 1 7.500 844.30 64 7.250 844.30 OAKDALE CA 95361 5 12/14/01 00 0433533569 05 02/01/02 0 2117469 O 01/01/32 0 7226642 E82/G02 F 152,000.00 T 360 152,000.00 1 6.500 960.74 80 6.250 960.74 CORRALES NM 87048 2 01/03/02 00 0400544011 05 02/01/02 0 1780112 O 01/01/32 0 7227918 225/G02 F 105,600.00 ZZ 360 105,454.18 1 7.875 765.67 80 7.625 765.67 PLANTATION FL 33317 2 10/23/01 00 0433541638 05 12/01/01 0 6206671 O 11/01/31 0 7227928 225/G02 F 384,000.00 ZZ 360 383,700.44 1 7.250 2,619.56 80 7.000 2,619.56 MILFORD CT 06460 1 11/15/01 00 0433541711 05 01/01/02 0 6540805 O 12/01/31 0 7227932 225/G02 F 300,000.00 ZZ 360 299,542.04 1 7.375 2,072.03 65 7.125 2,072.03 WALL NJ 07719 1 10/09/01 00 0433541745 05 12/01/01 0 1 6551777 O 11/01/31 0 7227934 225/G02 F 650,000.00 T 360 649,529.55 1 7.625 4,600.66 61 7.375 4,600.66 BLOCK ISLAND RI 02801 1 11/02/01 00 0433546405 05 01/01/02 0 6553981 O 12/01/31 0 7227936 225/G02 F 324,000.00 ZZ 360 323,540.50 1 7.750 2,321.18 80 7.500 2,321.18 FT LAUDERDALE FL 33305 1 10/15/01 00 0433539160 05 12/01/01 0 6554053 O 11/01/31 0 7227940 225/G02 F 345,000.00 ZZ 360 344,743.96 1 7.500 2,412.29 72 7.250 2,412.29 PARAMUS NJ 07652 1 11/23/01 00 0433546413 05 01/01/02 0 6554520 O 12/01/31 0 7227942 225/G02 F 468,000.00 ZZ 360 467,267.63 1 7.250 3,192.58 80 7.000 3,192.58 WASHINGTON DC 20015 1 10/19/01 00 0433542131 05 12/01/01 0 6554939 O 11/01/31 0 7227944 225/G02 F 315,200.00 ZZ 360 314,928.62 1 6.750 2,044.38 80 6.500 2,044.38 CHAPIN SC 29036 1 11/13/01 00 0433546439 05 01/01/02 0 6554943 O 12/01/31 0 1 7227946 225/G02 F 360,000.00 ZZ 360 359,690.05 1 6.750 2,334.95 56 6.500 2,334.95 FAIRFIELD CT 06430 2 11/14/01 00 0433531977 05 01/01/02 0 6555034 O 12/01/31 0 7227950 225/G02 F 500,000.00 ZZ 360 499,525.58 1 6.250 3,078.59 69 6.000 3,078.59 PIPERSVILLE PA 18947 1 11/28/01 00 0433538089 05 01/01/02 0 6556192 O 12/01/31 0 7227952 225/G02 F 259,200.00 ZZ 360 258,763.23 2 6.875 1,702.76 77 6.625 1,702.76 SOUTHERN SHOR NC 27949 1 11/01/01 00 0433524709 05 12/01/01 0 6556514 N 11/01/31 0 7227954 225/G02 F 476,000.00 ZZ 360 475,628.67 1 7.250 3,247.16 80 7.000 3,247.16 WASHINGTON DC 20005 2 11/07/01 00 0433546454 05 01/01/02 0 6558718 O 12/01/31 0 7227956 225/G02 F 510,000.00 ZZ 360 509,581.96 1 7.000 3,393.04 51 6.750 3,393.04 NEW SHOREHAM RI 02807 5 11/14/01 00 0433542305 05 01/01/02 0 6558759 O 12/01/31 0 7227958 225/G02 F 398,500.00 ZZ 360 398,081.29 1 7.875 2,889.40 80 7.625 2,889.40 1 BRADENTON FL 34202 1 11/19/01 00 0433542396 05 01/01/02 0 6561023 O 12/01/31 0 7227962 225/G02 F 487,500.00 ZZ 360 486,737.11 1 7.250 3,325.61 75 7.000 3,325.61 BROADVIEW HTS OH 44147 2 10/18/01 00 0433542404 05 12/01/01 0 7272579 O 11/01/31 0 7227970 225/G02 F 375,000.00 ZZ 360 375,000.00 1 8.375 2,850.28 63 8.125 2,850.28 MANCHESTER CE VT 05255 5 11/28/01 00 0433542438 05 02/01/02 0 7299297 O 01/01/32 0 7227974 225/G02 F 176,150.00 ZZ 360 175,783.93 1 7.875 1,277.21 83 7.625 1,277.21 CHESTER VA 23831 1 10/02/01 27 0433523446 05 11/01/01 25 7302226 O 10/01/31 0 7227976 225/G02 F 407,800.00 ZZ 360 407,222.50 1 7.750 2,921.53 80 7.500 2,921.53 NORTHVILLE TO MI 48167 1 10/17/01 00 0433542453 05 12/01/01 0 7305651 O 11/01/31 0 7227978 225/G02 F 318,600.00 ZZ 360 313,651.30 1 8.125 2,365.60 50 7.875 2,365.60 FLOSSMOOR IL 60422 2 10/23/01 00 0433542958 05 12/01/01 0 7306512 O 11/01/31 0 1 7227982 225/G02 F 300,000.00 ZZ 360 299,575.15 1 7.750 2,149.24 75 7.500 2,149.24 RINDGE NH 03461 5 11/01/01 00 0433543097 05 12/01/01 0 7308245 O 11/01/31 0 7227984 225/G02 F 360,000.00 ZZ 360 359,436.62 1 7.250 2,455.84 70 7.000 2,455.84 MISSION VIEJO CA 92691 5 10/05/01 00 0433543154 05 12/01/01 0 7308299 O 11/01/31 0 7227986 225/G02 F 394,000.00 ZZ 360 393,482.79 1 8.125 2,925.44 57 7.875 2,925.44 CHICAGO IL 60640 2 10/18/01 00 0433543162 05 12/01/01 0 7311658 O 11/01/31 0 7227988 225/G02 F 208,000.00 ZZ 360 207,640.81 1 6.750 1,349.09 70 6.500 1,349.09 PALM HARBOR FL 34683 5 11/01/01 00 0433525185 05 12/01/01 0 7311766 O 11/01/31 0 7227990 225/G02 F 505,000.00 ZZ 360 504,248.08 1 7.500 3,531.04 78 7.250 3,531.04 WALNUT CREEK CA 94598 2 10/19/01 00 0433543170 05 12/01/01 0 7311965 O 11/01/31 0 7227992 225/G02 F 355,000.00 ZZ 360 353,916.81 1 1 6.625 2,273.11 72 6.375 2,273.11 GAY GA 30218 2 10/16/01 00 0433537982 05 12/01/01 0 7312487 O 11/01/31 0 7227994 225/G02 F 358,000.00 ZZ 360 356,699.23 1 6.875 2,351.81 74 6.625 2,351.81 BASKING RIDGE NJ 07920 2 11/14/01 00 0433543345 05 01/01/02 0 7312568 O 12/01/31 0 7227996 225/G02 F 340,000.00 ZZ 360 339,467.93 1 7.250 2,319.40 64 7.000 2,319.40 CUMMING GA 30041 1 10/26/01 00 0433524139 05 12/01/01 0 7312914 O 11/01/31 0 7227998 225/G02 F 386,250.00 ZZ 360 385,742.95 1 8.125 2,867.90 75 7.875 2,867.90 BARTLETT IL 60103 5 10/22/01 00 0433524063 05 12/01/01 0 7313044 O 11/01/31 0 7228000 225/G02 F 400,000.00 ZZ 360 399,156.65 1 7.000 2,661.21 54 6.750 2,661.21 TEANECK NJ 07666 1 10/29/01 00 0433543352 05 12/01/01 0 7313089 O 11/01/31 0 7228002 225/G02 F 326,700.00 ZZ 360 326,162.84 1 7.000 2,173.55 78 6.750 2,173.55 LARKSPUR CO 80118 2 10/26/01 00 0433543303 05 12/01/01 0 1 7314919 O 11/01/31 0 7228006 225/G02 F 400,000.00 T 360 399,433.54 1 7.750 2,865.65 62 7.500 2,865.65 CHANDLER AZ 85224 1 10/19/01 00 0433543378 05 12/01/01 0 7315576 O 11/01/31 0 7228008 225/G02 F 137,100.00 ZZ 360 136,885.46 1 7.250 935.26 84 7.000 935.26 DENVER CO 80219 5 10/24/01 27 0433543501 05 12/01/01 12 7317299 O 11/01/31 0 7228010 225/G02 F 291,000.00 ZZ 360 290,755.52 1 6.875 1,911.67 64 6.625 1,911.67 ARROYO SECO NM 87514 5 11/05/01 00 0433543550 05 01/01/02 0 7317300 O 12/01/31 0 7228014 225/G02 F 294,400.00 ZZ 360 293,903.92 1 6.875 1,934.00 80 6.625 1,934.00 BLOOMINGTON MN 55431 5 10/25/01 00 0433543642 05 12/01/01 0 7317789 O 11/01/31 0 7228016 225/G02 F 385,000.00 ZZ 360 384,660.32 1 6.625 2,465.20 80 6.375 2,465.20 WAYNE NJ 07470 5 11/07/01 00 0433546504 05 01/01/02 0 7317863 O 12/01/31 0 1 7228018 225/G02 F 275,000.00 T 360 274,514.69 1 7.250 1,875.99 76 7.000 1,875.99 BRICK NJ 08723 1 11/01/01 00 0433546512 05 12/01/01 0 7318138 O 11/01/31 0 7228020 225/G02 F 393,870.00 ZZ 360 393,090.62 1 7.000 2,620.43 95 6.750 2,620.43 DOWNEY CA 90240 1 10/25/01 27 0433546520 05 12/01/01 30 7318195 O 11/01/31 0 7228022 225/G02 F 349,000.00 ZZ 360 347,493.06 1 7.250 2,380.80 55 7.000 2,380.80 WEST BLOOMFIELD MI 48324 2 11/13/01 00 0433546538 05 01/01/02 0 7318766 O 12/01/31 0 7228024 225/G02 F 370,000.00 ZZ 360 369,711.36 1 7.250 2,524.06 42 7.000 2,524.06 LOS ANGELES CA 90046 5 11/15/01 00 0433543691 05 01/01/02 0 7319973 N 12/01/31 0 7228026 225/G02 F 316,000.00 ZZ 360 315,298.49 1 8.250 2,374.01 76 8.000 2,374.01 ORLAND PARK IL 60467 2 11/23/01 00 0433546546 05 01/01/02 0 7321280 O 12/01/31 0 7228030 225/G02 F 378,750.00 ZZ 360 378,331.80 1 6.875 2,488.12 75 6.625 2,488.12 1 SARASOTA FL 34242 1 11/09/01 00 0433545829 05 01/01/02 0 7323120 O 12/01/31 0 7228032 225/G02 F 84,000.00 ZZ 360 83,833.17 1 8.000 616.37 80 7.750 616.37 WEST PALM BEA FL 33409 1 12/07/01 00 0433539087 05 01/01/02 0 7328536 N 12/01/31 0 7228034 225/G02 F 211,000.00 ZZ 360 210,723.02 1 8.125 1,566.67 73 7.875 1,566.67 CHICAGO IL 60647 2 10/23/01 00 0433545860 06 12/01/01 0 7288161 O 11/01/31 0 7228036 225/G02 F 160,500.00 ZZ 360 160,261.03 1 7.500 1,122.24 87 7.250 1,122.24 LONG BEACH CA 90807 2 10/03/01 11 0433545886 01 12/01/01 25 7295427 O 11/01/31 0 7228038 225/G02 F 178,000.00 ZZ 360 177,597.82 1 7.250 1,214.28 84 7.000 1,214.28 WEST MILFORD NJ 07480 1 10/26/01 27 0433546579 08 12/01/01 25 7313409 O 11/01/31 0 7228040 225/G02 F 315,000.00 ZZ 360 314,760.31 1 7.375 2,175.63 70 7.125 2,175.63 PALISADES ARE CA 90272 1 10/31/01 00 0433545902 01 01/01/02 0 7314948 N 12/01/31 0 1 7228044 225/G02 F 366,000.00 ZZ 360 365,754.42 1 8.000 2,685.58 74 7.750 2,685.58 CHICAGO IL 60614 5 11/09/01 00 0433545928 01 01/01/02 0 7320269 O 12/01/31 0 7228048 225/G02 F 350,000.00 ZZ 360 349,465.72 1 7.375 2,417.36 59 7.125 2,417.36 GAITHERSBURG MD 20878 1 10/26/01 00 0433546603 03 12/01/01 0 6553386 N 11/01/31 0 7228050 225/G02 F 351,000.00 ZZ 360 350,477.39 1 7.500 2,454.24 85 7.250 2,454.24 ADVANCE NC 27006 1 10/12/01 10 0433546611 03 12/01/01 25 6557677 O 11/01/31 0 7228054 225/G02 F 291,500.00 ZZ 360 291,076.70 1 7.625 2,063.22 80 7.375 2,063.22 IRVINE CA 92612 2 10/03/01 00 0433545969 03 12/01/01 0 7306081 O 11/01/31 0 7228056 225/G02 F 384,000.00 ZZ 360 383,322.34 1 7.250 2,619.56 80 7.000 2,619.56 MONROE TOWNSHIP NJ 08831 2 10/29/01 00 0433545985 03 12/01/01 0 7310857 O 11/01/31 0 7228058 225/G02 F 320,000.00 ZZ 360 319,447.40 1 1 6.750 2,075.52 74 6.500 2,075.52 CENTREVILLE VA 20121 5 10/30/01 00 0433538469 03 12/01/01 0 7312481 O 11/01/31 0 7228060 225/G02 F 292,500.00 ZZ 360 292,042.26 1 7.250 1,995.37 90 7.000 1,995.37 LITTLETON CO 80127 1 11/01/01 27 0433528411 05 12/01/01 25 7318047 O 11/01/31 0 7228062 225/G02 F 320,000.00 ZZ 360 319,756.50 1 7.375 2,210.17 80 7.125 2,210.17 CENTENNIAL CO 80015 2 11/20/01 00 0433537883 03 01/01/02 0 7319594 O 12/01/31 0 7228064 225/G02 F 145,000.00 ZZ 360 144,819.13 2 8.375 1,102.10 68 8.125 1,102.10 ELIZABETH NJ 07202 1 10/19/01 00 0433524980 03 12/01/01 0 6206516 N 11/01/31 0 7228066 225/G02 F 315,000.00 ZZ 360 314,560.60 3 8.625 2,450.04 79 8.375 2,450.04 LOS ANGELES CA 90066 5 10/15/01 00 0433545258 05 12/01/01 0 6546702 N 11/01/31 0 7228072 225/G02 F 92,900.00 ZZ 360 92,640.04 3 8.125 689.78 45 7.875 689.78 HARTFORD CT 06114 5 10/03/01 00 0433524550 05 11/01/01 0 1 7291454 N 10/01/31 0 7228074 225/G02 F 17,100.00 ZZ 360 17,087.31 2 7.500 119.57 90 7.250 119.57 SCHENECTADY NY 12307 1 11/21/01 27 0433545266 05 01/01/02 25 7293921 N 12/01/31 0 7228076 225/G02 F 170,500.00 ZZ 360 170,025.99 4 7.875 1,236.25 88 7.625 1,236.25 MILWAUKEE WI 53221 1 09/05/01 14 0433545282 05 10/01/01 25 7295739 O 09/01/31 0 7228080 225/G02 F 157,500.00 ZZ 360 156,165.93 4 7.875 1,141.99 70 7.625 1,141.99 WINDHAM ME 04062 1 10/24/01 00 0433546157 05 12/01/01 0 7304033 N 11/01/31 0 7228082 225/G02 F 78,660.00 ZZ 360 78,551.38 3 7.875 570.34 90 7.625 570.34 MERIDEN CT 06451 1 10/25/01 26 0433546199 05 12/01/01 25 7308607 N 11/01/31 0 7228084 225/G02 F 261,000.00 ZZ 360 260,657.38 4 8.125 1,937.92 78 7.875 1,937.92 BURLINGTON VT 05401 2 11/01/01 00 0433545290 05 12/01/01 0 7308628 N 11/01/31 0 1 7228086 225/G02 F 95,400.00 ZZ 360 95,254.36 3 7.375 658.91 90 7.125 658.91 NORMAN OK 73071 1 10/22/01 11 0433546215 05 12/01/01 25 7314315 N 11/01/31 0 7228088 225/G02 F 220,500.00 ZZ 360 220,340.40 3 7.625 1,560.69 90 7.375 1,560.69 PLAINFIELD NJ 07060 1 11/15/01 27 0433525250 05 01/01/02 25 7314659 N 12/01/31 0 7228090 225/G02 F 85,500.00 ZZ 360 85,439.65 3 7.750 612.54 90 7.500 612.54 TOLEDO OH 43609 2 11/09/01 14 0433545308 05 01/01/02 25 7317122 N 12/01/31 0 7228092 225/G02 F 157,410.00 ZZ 360 157,198.06 4 8.000 1,155.02 90 7.750 1,155.02 SOUTH BELOIT IL 61080 1 10/26/01 10 0433546256 03 12/01/01 25 7318493 N 11/01/31 0 7228094 225/G02 F 248,000.00 ZZ 360 247,639.85 4 7.625 1,755.33 79 7.375 1,755.33 OAK LAWN IL 60453 1 10/31/01 00 0433546264 03 12/01/01 0 7318838 O 11/01/31 0 7228098 225/G02 F 288,800.00 ZZ 360 288,343.62 3 7.875 2,094.00 91 7.625 2,094.00 1 CHICAGO IL 60647 1 10/31/01 26 0433539244 05 12/01/01 30 7320623 O 11/01/31 0 7233296 736/G02 F 209,500.00 ZZ 360 209,336.57 1 7.250 1,429.16 80 7.000 1,429.16 HOMESTEAD FL 33031 2 11/14/01 00 0433518016 05 01/01/02 0 0104891437 O 12/01/31 0 7236194 076/076 F 55,800.00 ZZ 360 55,730.40 2 8.375 424.12 90 8.125 424.12 KALAMAZOO MI 49006 2 10/24/01 11 1652238 05 12/01/01 25 1652238 N 11/01/31 0 7236210 076/076 F 400,000.00 ZZ 360 400,000.00 2 7.875 2,900.28 89 7.625 2,900.28 RICHMOND HILL NY 11419 1 12/10/01 10 2246680 05 02/01/02 25 2246680 O 01/01/32 0 7236380 736/G02 F 125,000.00 ZZ 360 124,911.77 1 7.750 895.52 76 7.500 895.52 RENO NV 89509 1 11/28/01 00 0433516804 01 01/01/02 0 0104823380 O 12/01/31 0 7245978 736/G02 F 307,600.00 ZZ 360 307,371.71 1 7.500 2,150.79 80 7.250 2,150.79 SANTA BARBARA CA 93103 1 11/28/01 00 0433541521 05 01/01/02 0 0104895750 O 12/01/31 0 1 7266028 E22/G02 F 190,000.00 ZZ 360 190,000.00 1 8.250 1,427.41 95 8.000 1,427.41 PICO RIVERA CA 90660 5 12/21/01 04 0413185729 05 02/01/02 30 0413185729 O 01/01/32 0 7277740 A50/G02 F 400,000.00 ZZ 360 399,663.95 1 6.875 2,627.72 80 6.625 2,627.72 TUSCALOOSA AL 35406 5 11/16/01 00 0433539426 03 01/01/02 0 523231 O 12/01/31 0 7297340 736/G02 F 107,200.00 ZZ 360 107,124.33 1 7.750 768.00 75 7.500 768.00 CONYERS GA 30094 1 11/26/01 00 0433532090 05 01/01/02 0 0105016547 O 12/01/31 0 7297562 665/G02 F 160,000.00 ZZ 360 160,000.00 1 6.500 1,011.31 43 6.250 1,011.31 PETALUMA CA 94954 5 12/13/01 00 0433532801 05 02/01/02 0 77100885 O 01/01/32 0 7297582 665/G02 F 363,500.00 ZZ 360 363,187.04 1 6.750 2,357.65 39 6.500 2,357.65 SAN RAMON CA 94583 5 11/28/01 00 0433532371 03 01/01/02 0 88102998 O 12/01/31 0 1 TOTAL NUMBER OF LOANS : 2,077 TOTAL ORIGINAL BALANCE : 424,826,168.21 TOTAL PRINCIPAL BALANCE : 424,240,245.34 TOTAL ORIGINAL P+I : 2,934,606.76 TOTAL CURRENT P+I : 2,934,606.76 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 5719110 $134,761.12 6.345% 2.3846% $3,213.53 5720746 $108,089.05 6.470% 0.4615% $498.87 5798124 $274,763.24 6.470% 0.4615% $1,268.14 5805368 $349,283.96 6.220% 4.3077% $15,046.08 5812492 $97,826.60 6.345% 2.3846% $2,332.79 5842380 $79,063.24 6.470% 0.4615% $364.91 5846128 $262,767.96 6.345% 2.3846% $6,266.01 5869642 $85,448.53 6.345% 2.3846% $2,037.62 5931724 $150,870.00 6.470% 0.4615% $696.32 5965220 $94,823.55 6.095% 6.2308% $5,908.24 5979126 $99,278.27 6.470% 0.4615% $458.21 6032694 $394,916.86 6.470% 0.4615% $1,822.69 6048524 $104,514.73 6.345% 2.3846% $2,492.27 6049080 $223,603.65 6.345% 2.3846% $5,332.09 6074880 $89,766.22 6.470% 0.4615% $414.31 6101882 $109,550.19 6.220% 4.3077% $4,719.09 6108880 $591,476.85 6.470% 0.4615% $2,729.89 6137130 $92,533.79 6.345% 2.3846% $2,206.58 6172372 $63,742.17 6.345% 2.3846% $1,520.01 6176360 $419,629.44 6.345% 2.3846% $10,006.55 6208736 $311,731.37 6.470% 0.4615% $1,438.76 6229146 $463,600.50 6.470% 0.4615% $2,139.69 6230686 $186,839.00 6.470% 0.4615% $862.33 6248058 $100,556.77 6.095% 6.2308% $6,265.46 6250506 $79,861.85 6.470% 0.4615% $368.59 6253710 $299,728.79 6.220% 4.3077% $12,911.39 6264902 $71,301.67 6.470% 0.4615% $329.08 6291542 $81,030.18 6.470% 0.4615% $373.99 6303990 $299,728.80 6.220% 4.3077% $12,911.39 6326966 $246,787.34 6.470% 0.4615% $1,139.02 6337206 $129,742.77 6.470% 0.4615% $598.81 6345192 $101,512.52 6.470% 0.4615% $468.52 6345292 $99,763.04 6.345% 2.3846% $2,378.96 6354060 $395,650.62 6.345% 2.3846% $9,434.75 6361734 $99,664.11 6.470% 0.4615% $459.99 6366492 $114,646.26 6.220% 4.3077% $4,938.61 6376254 $67,882.57 6.470% 0.4615% $313.30 6388868 $151,859.22 6.095% 6.2308% $9,462.00 6394046 $204,610.31 6.095% 6.2308% $12,748.80 6396518 $447,614.28 6.470% 0.4615% $2,065.91 6404812 $291,748.59 6.470% 0.4615% $1,346.53 6415098 $138,624.57 6.220% 4.3077% $5,971.52 6433170 $351,239.84 6.345% 2.3846% $8,375.72 6440746 $409,647.00 6.470% 0.4615% $1,890.68 6443578 $439,621.17 6.470% 0.4615% $2,029.02 6446280 $477,546.45 5.970% 8.1538% $38,938.40 6460786 $111,893.73 5.970% 8.1538% $9,123.64 6461934 $197,525.58 6.345% 2.3846% $4,710.23 6461958 $105,509.08 6.470% 0.4615% $486.97 6461960 $90,955.63 6.470% 0.4615% $419.80 6489940 $62,344.95 6.345% 2.3846% $1,486.69 6506098 $208,815.60 6.345% 2.3846% $4,979.45 6523704 $220,000.00 6.345% 2.3846% $5,246.15 Wednesday, January 23, 2002 Page 1 of 5 6524290 $117,893.33 6.220% 4.3077% $5,078.48 6526716 $73,933.10 6.220% 4.3077% $3,184.81 6544604 $99,913.90 6.470% 0.4615% $461.14 6565974 $163,858.80 6.470% 0.4615% $756.27 6567994 $349,675.84 6.095% 6.2308% $21,787.49 6572108 $129,488.42 6.470% 0.4615% $597.64 6576706 $139,873.43 6.220% 4.3077% $6,025.32 6587008 $310,132.75 6.470% 0.4615% $1,431.38 6596438 $219,500.00 6.470% 0.4615% $1,013.08 6603084 $244,789.06 6.470% 0.4615% $1,129.80 6621352 $239,788.25 6.345% 2.3846% $5,718.03 6626328 $191,000.00 6.470% 0.4615% $881.54 6631720 $153,234.93 6.470% 0.4615% $707.24 6639946 $124,889.71 6.345% 2.3846% $2,978.14 6640024 $115,900.13 6.470% 0.4615% $534.92 6640532 $244,789.06 6.470% 0.4615% $1,129.80 6640552 $88,923.38 6.470% 0.4615% $410.42 6640608 $357,541.90 6.470% 0.4615% $1,650.19 6641072 $373,737.52 6.345% 2.3846% $8,912.20 6644044 $600,000.00 6.470% 0.4615% $2,769.23 6654712 $342,911.67 6.345% 2.3846% $8,177.12 6654720 $407,648.71 6.220% 4.3077% $17,560.25 6654724 $598,963.91 6.220% 4.3077% $25,801.52 6654744 $443,626.98 6.345% 2.3846% $10,578.80 6657470 $320,000.00 6.470% 0.4615% $1,476.92 6661090 $71,736.66 6.345% 2.3846% $1,710.64 6661100 $127,090.48 6.470% 0.4615% $586.57 6661144 $95,415.74 6.345% 2.3846% $2,275.30 6661216 $343,696.50 6.345% 2.3846% $8,195.84 6661252 $174,845.61 6.345% 2.3846% $4,169.40 6679294 $397,500.00 6.470% 0.4615% $1,834.62 6683506 $377,374.80 6.470% 0.4615% $1,741.73 6683530 $66,942.32 6.470% 0.4615% $308.96 6683532 $310,982.02 6.470% 0.4615% $1,435.30 6683538 $310,568.99 6.220% 4.3077% $13,378.36 6683560 $124,889.71 6.345% 2.3846% $2,978.14 6683592 $107,902.37 6.220% 4.3077% $4,648.10 6683596 $71,543.00 6.220% 4.3077% $3,081.85 6692632 $112,000.00 6.345% 2.3846% $2,670.77 6700542 $505,803.35 6.345% 2.3846% $12,061.46 6707258 $363,436.81 6.470% 0.4615% $1,677.40 6707272 $517,520.23 6.095% 6.2308% $32,245.49 6707330 $164,857.94 6.470% 0.4615% $760.88 6707428 $134,281.42 6.345% 2.3846% $3,202.10 6711902 $376,000.00 6.470% 0.4615% $1,735.38 6715414 $179,500.00 6.345% 2.3846% $4,280.38 6731180 $71,650.95 6.470% 0.4615% $330.70 6731204 $81,650.00 6.470% 0.4615% $376.85 6731286 $69,437.17 6.220% 4.3077% $2,991.14 6731288 $80,327.32 6.220% 4.3077% $3,460.25 6731290 $123,393.67 6.470% 0.4615% $569.51 6732584 $247,781.20 6.345% 2.3846% $5,908.63 6732724 $149,867.66 6.345% 2.3846% $3,573.77 6733682 $195,000.00 6.470% 0.4615% $900.00 6736112 $350,000.00 6.095% 6.2308% $21,807.69 6741048 $274,763.24 6.470% 0.4615% $1,268.14 6749134 $70,054.63 6.470% 0.4615% $323.33 Wednesday, January 23, 2002 Page 2 of 5 6770158 $274,763.24 6.470% 0.4615% $1,268.14 6770160 $198,828.67 6.470% 0.4615% $917.67 6770210 $206,812.87 6.220% 4.3077% $8,908.86 6770262 $149,870.85 6.470% 0.4615% $691.71 6770288 $165,457.42 6.470% 0.4615% $763.65 6770336 $128,686.36 6.345% 2.3846% $3,068.67 6770350 $107,902.37 6.220% 4.3077% $4,648.10 6770852 $190,000.00 6.345% 2.3846% $4,530.77 6770876 $158,500.00 6.470% 0.4615% $731.54 6778338 $284,483.32 6.220% 4.3077% $12,254.67 6780392 $223,807.14 6.470% 0.4615% $1,032.96 6781556 $97,500.00 6.220% 4.3077% $4,200.00 6790288 $509,550.03 6.345% 2.3846% $12,150.81 6793314 $246,287.77 6.470% 0.4615% $1,136.71 6793324 $150,856.73 5.970% 8.1538% $12,300.63 6793364 $240,551.30 6.345% 2.3846% $5,736.22 6793376 $449,612.56 6.470% 0.4615% $2,075.13 6793458 $160,950.79 6.095% 6.2308% $10,028.47 6793802 $243,784.72 6.345% 2.3846% $5,813.33 6796226 $142,876.88 6.470% 0.4615% $659.43 6801990 $329,500.00 6.470% 0.4615% $1,520.77 6802002 $110,100.00 6.470% 0.4615% $508.15 6802008 $165,154.16 6.345% 2.3846% $3,938.29 6802018 $110,400.00 6.220% 4.3077% $4,755.69 6813268 $130,150.00 6.470% 0.4615% $600.69 6813276 $540,000.00 6.470% 0.4615% $2,492.31 6836352 $188,837.28 6.470% 0.4615% $871.56 6836494 $143,876.02 6.470% 0.4615% $664.04 6838340 $189,824.03 6.095% 6.2308% $11,827.50 6856332 $339,692.64 6.220% 4.3077% $14,632.91 6856694 $238,000.00 6.470% 0.4615% $1,098.46 6856710 $115,800.00 6.220% 4.3077% $4,988.31 6860368 $399,309.26 6.470% 0.4615% $1,842.97 6860432 $543,060.61 6.470% 0.4615% $2,506.43 6879306 $264,000.00 6.345% 2.3846% $6,295.38 6879338 $258,000.00 6.470% 0.4615% $1,190.77 6879340 $128,000.00 6.470% 0.4615% $590.77 6902716 $121,550.00 5.970% 8.1538% $9,911.00 6902770 $200,000.00 6.470% 0.4615% $923.08 6902772 $343,500.00 6.470% 0.4615% $1,585.38 6902986 $89,000.00 6.470% 0.4615% $410.77 6903362 $133,700.00 6.345% 2.3846% $3,188.23 6903370 $86,450.00 5.970% 8.1538% $7,049.00 6903372 $212,100.00 6.345% 2.3846% $5,057.77 6921006 $333,423.24 6.470% 0.4615% $1,538.88 6922446 $241,791.64 6.470% 0.4615% $1,115.96 6924656 $200,000.00 6.470% 0.4615% $923.08 6925454 $227,200.00 6.470% 0.4615% $1,048.62 6928064 $138,258.58 6.345% 2.3846% $3,296.94 6944292 $169,850.01 6.345% 2.3846% $4,050.27 6944796 $430,000.00 6.345% 2.3846% $10,253.85 6947048 $141,877.74 6.470% 0.4615% $654.82 6947118 $422,500.00 6.470% 0.4615% $1,950.00 6949498 $423,634.94 6.470% 0.4615% $1,955.24 6949530 $388,465.25 6.470% 0.4615% $1,792.92 6949628 $402,653.02 6.470% 0.4615% $1,858.40 6952684 $95,413.66 6.220% 4.3077% $4,110.13 Wednesday, January 23, 2002 Page 3 of 5 6960262 $186,839.00 6.470% 0.4615% $862.33 6963702 $70,337.89 6.345% 2.3846% $1,677.29 6964662 $638,449.83 6.470% 0.4615% $2,946.69 6968848 $191,300.00 6.345% 2.3846% $4,561.77 6968876 $239,600.00 6.345% 2.3846% $5,713.54 6988990 $141,100.00 6.345% 2.3846% $3,364.69 6990432 $89,000.00 6.470% 0.4615% $410.77 6995798 $262,973.38 6.470% 0.4615% $1,213.72 6995880 $231,725.02 6.470% 0.4615% $1,069.50 6995886 $59,893.83 6.345% 2.3846% $1,428.24 6995956 $169,506.79 6.470% 0.4615% $782.34 7010850 $252,000.00 6.470% 0.4615% $1,163.08 7010940 $207,800.00 6.345% 2.3846% $4,955.23 7010970 $134,200.00 6.220% 4.3077% $5,780.92 7011056 $386,850.00 6.470% 0.4615% $1,785.46 7062314 $106,300.00 6.220% 4.3077% $4,579.08 7062720 $70,000.00 6.345% 2.3846% $1,669.23 7105514 $53,000.00 6.470% 0.4615% $244.62 7109228 $159,500.00 6.470% 0.4615% $736.15 7109470 $419,638.39 6.470% 0.4615% $1,936.79 7109688 $204,387.69 6.470% 0.4615% $943.33 7113212 $599,483.41 6.220% 4.3077% $25,823.90 7113298 $613,000.00 6.345% 2.3846% $14,617.69 7113314 $449,593.19 6.220% 4.3077% $19,367.09 7113318 $649,412.39 6.220% 4.3077% $27,974.69 7113354 $317,732.84 6.345% 2.3846% $7,576.71 7113402 $419,647.15 6.345% 2.3846% $10,006.97 7113404 $449,337.50 6.220% 4.3077% $19,356.08 7115626 $344,802.88 6.470% 0.4615% $1,591.40 7159396 $341,705.54 6.470% 0.4615% $1,577.10 7169368 $484,832.20 6.470% 0.4615% $2,237.69 7169374 $489,505.21 6.345% 2.3846% $11,672.82 7169420 $194,832.11 6.470% 0.4615% $899.23 7169424 $234,787.56 6.220% 4.3077% $10,113.93 7169434 $139,666.88 6.345% 2.3846% $3,330.52 7169438 $237,037.16 5.845% 10.0769% $23,886.05 7171542 $345,000.00 6.220% 4.3077% $14,861.54 7171544 $404,500.00 6.220% 4.3077% $17,424.62 7171558 $536,000.00 6.220% 4.3077% $23,089.23 7171568 $552,500.00 6.220% 4.3077% $23,800.00 7171584 $650,000.00 6.220% 4.3077% $28,000.00 7171586 $600,000.00 6.220% 4.3077% $25,846.15 7171610 $492,000.00 6.220% 4.3077% $21,193.85 7171778 $380,000.00 6.220% 4.3077% $16,369.23 7171780 $622,500.00 6.345% 2.3846% $14,844.23 7171786 $342,800.00 6.345% 2.3846% $8,174.46 7180126 $408,248.20 6.470% 0.4615% $1,884.22 7180132 $599,483.41 6.470% 0.4615% $2,766.85 7180172 $251,777.66 6.345% 2.3846% $6,003.93 7182328 $175,000.00 6.345% 2.3846% $4,173.08 7202328 $440,000.00 6.470% 0.4615% $2,030.77 7226642 $152,000.00 6.220% 4.3077% $6,547.69 7227944 $314,928.62 6.470% 0.4615% $1,453.52 7227946 $359,690.05 6.470% 0.4615% $1,660.11 7227950 $499,525.58 5.970% 8.1538% $40,730.55 7227988 $207,640.81 6.470% 0.4615% $958.34 7227992 $353,916.81 6.345% 2.3846% $8,439.55 Wednesday, January 23, 2002 Page 4 of 5 7228016 $384,660.32 6.345% 2.3846% $9,172.67 7228058 $319,447.40 6.470% 0.4615% $1,474.37 7297562 $160,000.00 6.220% 4.3077% $6,892.31 7297582 $363,187.04 6.470% 0.4615% $1,676.25
EXHIBIT THREE INFORMATION TO BE INCLUDED IN MONTHLY DISTRIBUTION DATE STATEMENT (i) (a) the amount of such distribution to the Certificateholders of such Class applied to reduce the Certificate Principal Balance thereof, and (b) the aggregate amount included therein representing Principal Prepayments; (ii) the amount of such distribution to Holders of such Class of Certificates allocable to interest; (iii) if the distribution to the Holders of such Class of Certificates is less than the full amount that would be distributable to such Holders if there were sufficient funds available therefor, the amount of the shortfall; (iv) the amount of any Advance by the Master Servicer pursuant to Section 4.04; (v) the number and Pool Stated Principal Balance of the Mortgage Loans after giving effect to the distribution of principal on such Distribution Date; (vi) the aggregate Certificate Principal Balance of each Class of Certificates and each of the Senior Percentage and Subordinate Class Percentage, after giving effect to the amounts distributed on such Distribution Date, separately identifying any reduction thereof due to Realized Losses other than pursuant to an actual distribution of principal; (vii) the related Subordinate Principal Distribution Amount and Prepayment Distribution Percentage, if applicable; (viii) on the basis of the most recent reports furnished to it by Sub-Servicers, the number and aggregate principal balances of Mortgage Loans that are Delinquent (A) 30-59 days, (B) 60-89 days and (C) 90 or more days and the number and aggregate principal balance of Mortgage Loans that are in foreclosure; (ix) the number, aggregate principal balance and book value of any REO Properties; (x) the aggregate Accrued Certificate Interest remaining unpaid, if any, for each Class of Certificates, after giving effect to the distribution made on such Distribution Date; (xi) the Special Hazard Amount, Fraud Loss Amount and Bankruptcy Amount as of the close of business on such Distribution Date and a description of any change in the calculation of such amounts; (xii) the weighted average Pool Strip Rate for such Distribution Date and the Pass-Through Rate with respect to the Class A-V Certificates and each Subclass, if any, thereof; (xiii) the Pass-Through Rates on the Floater Certificates and Inverse Floater Certificates for such Distribution Date, separately identifying LIBOR for such Distribution Date; (xiv) the Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xv) the occurrence of the Credit Support Depletion Date and Accretion Termination Date; (xvi) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvii) the related Senior Percentage for such Distribution Date; (xviii) the aggregate amount of Realized Losses for such Distribution Date; (xix) the aggregate amount of any recoveries on previously foreclosed loans from Sellers due to a breach of a representation or warranty assigned to the Trustee pursuant to Section 2.04; (xx) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; and (xxi) the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date. In the case of information furnished pursuant to clauses (i) and (ii) above, the amounts shall be expressed as a dollar amount per Certificate with a $1,000 denomination. The Trustee's internet website will initially be located at http://www-apps.gis.deutsche-bank.com/invr. Assistance in using the website can be obtained by calling the Trustee's Shareholder Relations desk at (800) 735-7777. To receive this statement via first class mail, telephone the Trustee at (800) 735-7777. EXHIBIT FOUR STANDARD TERMS OF POOLING AND SERVICING AGREEMENT DATED AS OF JULY 1, 2001 EXECUTION COPY ================================================================================ STANDARD TERMS OF POOLING AND SERVICING AGREEMENT Dated as of July 1, 2001 Residential Accredit Loans, Inc. Mortgage Asset-Backed Pass-Through Certificates ================================================================================
TABLE OF CONTENTS PAGE Article I DEFINITIONS...............................................................2 Section 1.01. Definitions...........................................................2 Section 1.02. Use of Words and Phrases.............................................30 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........31 Section 2.01. Conveyance of Mortgage Loans.........................................31 Section 2.02. Acceptance by Trustee................................................36 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company.............................................................38 Section 2.04. Representations and Warranties of Sellers............................40 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates...................41 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee........................................42 Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............42 Section 2.08. Purposes and Powers of the Trust.....................................42 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................43 Section 3.01. Master Servicer to Act as Servicer...................................43 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations.........44 Section 3.03. Successor Subservicers...............................................45 Section 3.04. Liability of the Master Servicer.....................................46 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders..........................................................46 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee........ 46 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account...........................................................47 Section 3.08. Subservicing Accounts; Servicing Accounts............................49 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans..............................................................50 Section 3.10. Permitted Withdrawals from the Custodial Account.....................51 i Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder..................................................................53 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage....................................................................53 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments................................55 Section 3.14. Realization Upon Defaulted Mortgage Loans............................57 Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................60 Section 3.16. Servicing and Other Compensation; Compensating Interest..............62 Section 3.17. Reports to the Trustee and the Company...............................63 Section 3.18. Annual Statement as to Compliance....................................63 Section 3.19. Annual Independent Public Accountants' Servicing Report..............63 Section 3.20. Rights of the Company in Respect of the Master Servicer..............64 Section 3.21. Administration of Buydown Funds......................................64 Article IV PAYMENTS TO CERTIFICATEHOLDERS...........................................66 Section 4.01. Certificate Account..................................................66 Section 4.02. Distributions........................................................66 Section 4.03. Statements to Certificateholders.....................................66 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.............................................67 Section 4.05. Allocation of Realized Losses........................................69 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........69 Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................69 Section 4.08. Surety Bond..........................................................69 Article V THE CERTIFICATES.........................................................71 Section 5.01. The Certificates.....................................................71 Section 5.02. Registration of Transfer and Exchange of Certificates................73 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................78 Section 5.04. Persons Deemed Owners................................................79 Section 5.05. Appointment of Paying Agent..........................................79 ii Article VI THE COMPANY AND THE MASTER SERVICER......................................80 Section 6.01. Respective Liabilities of the Company and the Master Servicer........80 Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer............80 Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others.................................................................... 81 Section 6.04. Company and Master Servicer Not to Resign............................82 Article VII DEFAULT..................................................................83 Section 7.01. Events of Default....................................................83 Section 7.02. Trustee or Company to Act; Appointment of Successor..................85 Section 7.03. Notification to Certificateholders...................................86 Section 7.04. Waiver of Events of Default..........................................86 Article VIII CONCERNING THE TRUSTEE...................................................87 Section 8.01. Duties of Trustee....................................................87 Section 8.02. Certain Matters Affecting the Trustee................................88 Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................90 Section 8.04. Trustee May Own Certificates.........................................90 Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification.............................................................90 Section 8.06. Eligibility Requirements for Trustee.................................91 Section 8.07. Resignation and Removal of the Trustee...............................91 Section 8.08. Successor Trustee....................................................92 Section 8.09. Merger or Consolidation of Trustee...................................93 Section 8.10. Appointment of Co-Trustee or Separate Trustee........................93 Section 8.11. Appointment of Custodians............................................94 Section 8.12. Appointment of Office or Agency......................................94 Article IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................96 Section 9.01. Optional Purchase by the Master Servicer of All Certificates; Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans..............................................................96 iii Section 9.02. Additional Termination Requirements..................................99 Section 9.03. Termination of Multiple REMICs......................................100 Article X REMIC PROVISIONS........................................................101 Section 10.01.REMIC Administration................................................101 Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....104 Section 10.03.Designation of REMIC(s).............................................105 Article XI MISCELLANEOUS PROVISIONS................................................106 Section 11.01.Amendment...........................................................106 Section 11.02.Recordation of Agreement; Counterparts..............................108 Section 11.03.Limitation on Rights of Certificateholders..........................109 Section 11.04.Governing Law.......................................................109 Section 11.05.Notices.............................................................110 Section 11.06.Required Notices to Rating Agency and Subservicer...................110 Section 11.07.Severability of Provisions..........................................110 Section 11.08.Supplemental Provisions for Resecuritization........................111 Section 11.09.Allocation of Voting Rights.........................................111 Section 11.10.No Petition.........................................................111 iv EXHIBITS Exhibit A: Form of Class A Certificate Exhibit B: Form of Class M Certificate Exhibit C: Form of Class B Certificate Exhibit D: Form of Class R Certificate Exhibit E: Form of Seller/Servicer Contract Exhibit F: Forms of Request for Release Exhibit G-1: Form of Transfer Affidavit and Agreement Exhibit G-2: Form of Transferor Certificate Exhibit H: Form of Investor Representation Letter Exhibit I: Form of Transferor Representation Letter Exhibit J: Form of Rule 144A Investment Representation Letter Exhibit K: Text of Amendment to Pooling and Servicing Agreement Pursuant to Section 11.01(e) for a Limited Guaranty Exhibit L: Form of Limited Guaranty Exhibit M: Form of Lender Certification for Assignment of Mortgage Loan Exhibit N: Request for Exchange Form
v This is the Standard Terms of Pooling and Servicing Agreement, dated as of July 1, 2001 (the "Standard Terms", and as incorporated by reference into a Series Supplement dated as of the Cut-off Date, the "Pooling and Servicing Agreement" or "Agreement"), among RESIDENTIAL ACCREDIT LOANS, INC., as the company (together with its permitted successors and assigns, the "Company"), RESIDENTIAL FUNDING CORPORATION, as master servicer (together with its permitted successors and assigns, the "Master Servicer"), and the trustee named in the applicable Series Supplement (together with its permitted successors and assigns, the "Trustee"). PRELIMINARY STATEMENT: The Company intends to sell certain mortgage asset-backed pass-through certificates (collectively, the "Certificates"), to be issued under the Agreement in multiple classes, which in the aggregate will evidence the entire beneficial ownership interest in the Mortgage Loans. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 1 ARTICLE I DEFINITIONS Section 1.01. Definitions. Whenever used in this Agreement, the following words and phrases, unless the context otherwise requires, shall have the meanings specified in this Article. Accretion Termination Date: As defined in the Series Supplement. Accrual Certificates: As defined in the Series Supplement. Accrued Certificate Interest: With respect to each Distribution Date, as to any Class or Subclass of Certificates (other than any Principal Only Certificates), interest accrued during the related Interest Accrual Period at the related Pass-Through Rate on the Certificate Principal Balance or Notional Amount thereof immediately prior to such Distribution Date. Accrued Certificate Interest will be calculated on the basis of a 360-day year, consisting of twelve 30-day months. In each case Accrued Certificate Interest on any Class or Subclass of Certificates will be reduced by the amount of: (i) Prepayment Interest Shortfalls on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (to the extent not offset by the Master Servicer with a payment of Compensating Interest as provided in Section 4.01), (ii) the interest portion (adjusted to the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) of Realized Losses on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group (including Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses) not allocated solely to one or more specific Classes of Certificates pursuant to Section 4.05, (iii) the interest portion of Advances that were (A) previously made with respect to a Mortgage Loan or REO Property on all Mortgage Loans or, if the Mortgage Pool is comprised of two or more Loan Groups, on the Mortgage Loans in the related Loan Group, which remained unreimbursed following the Cash Liquidation or REO Disposition of such Mortgage Loan or REO Property or (B) made with respect to delinquencies that were ultimately determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses, and (iv) any other interest shortfalls not covered by the subordination provided by the Class M Certificates and Class B Certificates, including interest that is not collectible from the Mortgagor pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940, as amended, or similar legislation or regulations as in effect from time to time, 2 with all such reductions allocated (A) among all of the Certificates in proportion to their respective amounts of Accrued Certificate Interest payable on such Distribution Date absent such reductions or (B) if the Mortgage Pool is comprised of two or more Loan Groups, the related Senior Percentage of such reductions among the related Senior Certificates in proportion to the amounts of Accrued Certificate Interest payable from the related Loan Group on such Distribution Date absent such reductions, with the remainder of such reductions allocated among the holders of the Class M Certificates and Class B Certificates in proportion to their respective amounts of Accrued Certificate Interest payable on such Distribution Date absent such reductions. In addition to that portion of the reductions described in the preceding sentence that are allocated to any Class of Class B Certificates or any Class of Class M Certificates, Accrued Certificate Interest on such Class of Class B Certificates or such Class of Class M Certificates will be reduced by the interest portion (adjusted to the Net Mortgage Rate) of Realized Losses that are allocated solely to such Class of Class B Certificates or such Class of Class M Certificates pursuant to Section 4.05. Addendum and Assignment Agreement: The Addendum and Assignment Agreement, dated as of January 31, 1995, between MLCC and the Master Servicer. Additional Collateral: Any of the following held, in addition to the related Mortgaged Property, as security for a Mortgage Loan: (i) all money, securities, security entitlements, accounts, general intangibles, payment rights, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description now existing or hereafter acquired which is pledged as security for the repayment of such Mortgage Loan, (ii) third-party guarantees, and (A) all money, securities, security entitlements, accounts, general intangibles, payment rights, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description now existing or hereafter acquired which is pledged as collateral for such guarantee or (B) any mortgaged property securing the performance of such guarantee, or (iii) such other collateral as may be set forth in the Series Supplement. Additional Collateral Loan: Each Mortgage Loan that is supported by Additional Collateral. Adjusted Mortgage Rate: With respect to any Mortgage Loan and any date of determination, the Mortgage Rate borne by the related Mortgage Note, less the rate at which the related Subservicing Fee accrues. Advance: As to any Mortgage Loan, any advance made by the Master Servicer, pursuant to Section 4.04. Affiliate: With respect to any Person, any other Person controlling, controlled by or under common control with such first Person. For the purposes of this definition, "control" means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms "controlling" and "controlled" have meanings correlative to the foregoing. 3 Ambac: Ambac Assurance Corporation (formerly known as AMBAC Indemnity Corporation). Amount Held for Future Distribution: As to any Distribution Date and, with respect to any Mortgage Pool that is comprised of two or more Loan Groups, each Loan Group, the total of the amounts held in the Custodial Account at the close of business on the preceding Determination Date on account of (i) Liquidation Proceeds, Insurance Proceeds, Curtailments, Mortgage Loan purchases made pursuant to Section 2.02, 2.03, 2.04 or 4.07 and Mortgage Loan substitutions made pursuant to Section 2.03 or 2.04 received or made in the month of such Distribution Date (other than such Liquidation Proceeds, Insurance Proceeds and purchases of Mortgage Loans that the Master Servicer has deemed to have been received in the preceding month in accordance with Section 3.07(b)), and Principal Prepayments in Full made after the related Prepayment Period, and (ii) payments which represent early receipt of scheduled payments of principal and interest due on a date or dates subsequent to the related Due Date. Appraised Value: As to any Mortgaged Property, the lesser of (i) the appraised value of such Mortgaged Property based upon the appraisal made at the time of the origination of the related Mortgage Loan, and (ii) the sales price of the Mortgaged Property at such time of origination, except in the case of a Mortgaged Property securing a refinanced or modified Mortgage Loan as to which it is either the appraised value determined above or the appraised value determined in an appraisal at the time of refinancing or modification, as the case may be. Assigned Contracts: With respect to any Pledged Asset Loan: the Credit Support Pledge Agreement; the Funding and Pledge Agreement, among GMAC Mortgage Corporation, National Financial Services Corporation and the Mortgagor or other person pledging the related Pledged Assets; the Additional Collateral Agreement, between GMAC Mortgage Corporation and the Mortgagor or other person pledging the related Pledged Assets; or such other contracts as may be set forth in the Series Supplement. Assignment: An assignment of the Mortgage, notice of transfer or equivalent instrument, in recordable form, sufficient under the laws of the jurisdiction wherein the related Mortgaged Property is located to reflect of record the sale of the Mortgage Loan to the Trustee for the benefit of Certificateholders, which assignment, notice of transfer or equivalent instrument may be in the form of one or more blanket assignments covering Mortgages secured by Mortgaged Properties located in the same county, if permitted by law and accompanied by an Opinion of Counsel to that effect. Assignment Agreement: The Assignment and Assumption Agreement, dated the Closing Date, between Residential Funding and the Company relating to the transfer and assignment of the Mortgage Loans. Assignment of Proprietary Lease: With respect to a Cooperative Loan, the assignment of the related Cooperative Lease from the Mortgagor to the originator of the Cooperative Loan. Available Distribution Amount: As to any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, each Loan Group, an amount equal to (a) the sum of (i) the amount relating to the Mortgage Loans on deposit in the Custodial Account as of the close of business on the 4 immediately preceding Determination Date and amounts deposited in the Custodial Account in connection with the substitution of Qualified Substitute Mortgage Loans, (ii) the amount of any Advance made on the immediately preceding Certificate Account Deposit Date, (iii) any amount deposited in the Certificate Account on the related Certificate Account Deposit Date pursuant to the second paragraph of Section 3.12(a), (iv) any amount deposited in the Certificate Account pursuant to Section 4.07, (v) any amount that the Master Servicer is not permitted to withdraw from the Custodial Account or the Certificate Account pursuant to Section 3.16(e), (vi) any amount received by the Trustee pursuant to the Surety Bond in respect of such Distribution Date and (vii) the proceeds of any Pledged Assets received by the Master Servicer, reduced by (b) the sum as of the close of business on the immediately preceding Determination Date of (w) aggregate Foreclosure Profits, (x) the Amount Held for Future Distribution, and (y) amounts permitted to be withdrawn by the Master Servicer from the Custodial Account in respect of the Mortgage Loans pursuant to clauses (ii)-(x), inclusive, of Section 3.10(a). Such amount shall be determined separately for each Loan Group. Additionally, with respect to any Mortgage Pool that is comprised of two or more Loan Groups, if on any Distribution Date Compensating Interest provided pursuant to this Section 3.16(e) is less than Prepayment Interest Shortfalls incurred on the Mortgage Loans in connection with Principal Prepayments in Full and Curtailments made in the prior calendar month, such Compensating Interest shall be allocated on such Distribution Date to the Available Distribution Amount for each Loan Group on a pro rata basis in accordance with the respective amounts of such Prepayment Interest Shortfalls incurred on the Mortgage Loans in such Loan Group in respect of such Distribution Date. Bankruptcy Code: The Bankruptcy Code of 1978, as amended. Bankruptcy Loss: With respect to any Mortgage Loan, a Deficient Valuation or Debt Service Reduction; provided, however, that neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Bankruptcy Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. Book-Entry Certificate: Any Certificate registered in the name of the Depository or its nominee, and designated as such in the Preliminary Statement to the Series Supplement. Business Day: Any day other than (i) a Saturday or a Sunday or (ii) a day on which banking institutions in the State of New York, the State of Michigan, the State of California or the State of Illinois (and such other state or states in which the Custodial Account or the Certificate Account are at the time located) are required or authorized by law or executive order to be closed. 5 Buydown Funds: Any amount contributed by the seller of a Mortgaged Property, the Company or other source in order to enable the Mortgagor to reduce the payments required to be made from the Mortgagor's funds in the early years of a Mortgage Loan. Buydown Funds are not part of the Trust Fund prior to deposit into the Custodial or Certificate Account. Buydown Mortgage Loan: Any Mortgage Loan as to which a specified amount of interest is paid out of related Buydown Funds in accordance with a related buydown agreement. Cash Liquidation: As to any defaulted Mortgage Loan other than a Mortgage Loan as to which an REO Acquisition occurred, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds and other payments or cash recoveries which the Master Servicer reasonably and in good faith expects to be finally recoverable with respect to such Mortgage Loan. Certificate Account Deposit Date: As to any Distribution Date, the Business Day prior thereto. Certificateholder or Holder: The Person in whose name a Certificate is registered in the Certificate Register, and, in respect of any Insured Certificates, the Certificate Insurer to the extent of Cumulative Insurance Payments, except that neither a Disqualified Organization nor a Non-United States Person shall be a holder of a Class R Certificate for purposes hereof and, solely for the purpose of giving any consent or direction pursuant to this Agreement, any Certificate, other than a Class R Certificate, registered in the name of the Company, the Master Servicer or any Subservicer or any Affiliate thereof shall be deemed not to be outstanding and the Percentage Interest or Voting Rights evidenced thereby shall not be taken into account in determining whether the requisite amount of Percentage Interests or Voting Rights necessary to effect any such consent or direction has been obtained. All references herein to "Holders" or "Certificateholders" shall reflect the rights of Certificate Owners as they may indirectly exercise such rights through the Depository and participating members thereof, except as otherwise specified herein; provided, however, that the Trustee shall be required to recognize as a "Holder" or "Certificateholder" only the Person in whose name a Certificate is registered in the Certificate Register. Certificate Insurer: As defined in the Series Supplement. Certificate Owner: With respect to a Book-Entry Certificate, the Person who is the beneficial owner of such Certificate, as reflected on the books of an indirect participating brokerage firm for which a Depository Participant acts as agent, if any, and otherwise on the books of a Depository Participant, if any, and otherwise on the books of the Depository. Certificate Principal Balance: With respect to each Certificate (other than any Interest Only Certificate), on any date of determination, an amount equal to: (i) the Initial Certificate Principal Balance of such Certificate as specified on the face thereof, plus 6 (ii) in the case of each Accrual Certificate, an amount equal to the aggregate Accrued Certificate Interest added to the Certificate Principal Balance thereof prior to such date of determination, minus (iii) the sum of (x) the aggregate of all amounts previously distributed with respect to such Certificate (or any predecessor Certificate) and applied to reduce the Certificate Principal Balance thereof pursuant to Section 4.02(a) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses which were previously allocated to such Certificate (or any predecessor Certificate) pursuant to Section 4.05; provided, that the Certificate Principal Balance of the Class of Subordinate Certificates with the Lowest Priority at any given time shall be calculated to equal the Percentage Interest evidenced by such Certificate times the excess, if any, of (A) the then aggregate Stated Principal Balance of the Mortgage Loans over (B) the then aggregate Certificate Principal Balance of all other Classes of Certificates then outstanding. Certificate Register and Certificate Registrar: The register maintained and the registrar appointed pursuant to Section 5.02. Class: Collectively, all of the Certificates bearing the same designation. The initial Class A-V Certificates and any Subclass thereof issued pursuant to Section 5.01(c) shall be a single Class for purposes of this Agreement. Class A-P Certificate: Any one of the Certificates designated as a Class A-P Certificate. Class A-P Collection Shortfall: With respect to the Cash Liquidation or REO Disposition of a Discount Mortgage Loan and any Distribution Date, the excess of the amount described in Section 4.02(b)(i)(C)(1) over the amount described in Section 4.02(b)(i)(C)(2). Class A-P Principal Distribution Amount: As defined in Section 4.02. Class A-V Certificate: Any one of the Certificates designated as a Class A-V Certificate, including any Subclass thereof. Class B Certificate: Any one of the Certificates designated as a Class B-1 Certificate, Class B-2 Certificate or Class B-3 Certificate. Class M Certificate: Any one of the Certificates designated as a Class M-1 Certificate, Class M-2 Certificate or Class M-3 Certificate. Closing Date: As defined in the Series Supplement. Code: The Internal Revenue Code of 1986. Combined Collateral LLC: Combined Collateral LLC, a Delaware limited liability company. 7 Compensating Interest: With respect to any Distribution Date, an amount equal to Prepayment Interest Shortfalls resulting from Principal Prepayments in Full during the related Prepayment Period and Curtailments during the prior calendar month and included in the Available Distribution Amount for such Distribution Date, but not more than the lesser of (a) one-twelfth of 0.125% of the Stated Principal Balance of the Mortgage Loans immediately preceding such Distribution Date and (b) the sum of the Servicing Fee and all income and gain on amounts held in the Custodial Account and the Certificate Account and payable to the Certificateholders with respect to such Distribution Date; provided that for purposes of this definition the amount of the Servicing Fee will not be reduced pursuant to Section 7.02 except as may be required pursuant to the last sentence of such Section. Cooperative: A private, cooperative housing corporation which owns or leases land and all or part of a building or buildings, including apartments, spaces used for commercial purposes and common areas therein and whose board of directors authorizes, among other things, the sale of Cooperative Stock. Cooperative Apartment: A dwelling unit in a multi-dwelling building owned or leased by a Cooperative, which unit the Mortgagor has an exclusive right to occupy pursuant to the terms of a proprietary lease or occupancy agreement. Cooperative Lease: With respect to a Cooperative Loan, the proprietary lease or occupancy agreement with respect to the Cooperative Apartment occupied by the Mortgagor and relating to the related Cooperative Stock, which lease or agreement confers an exclusive right to the holder of such Cooperative Stock to occupy such apartment. Cooperative Loans: Any of the Mortgage Loans made in respect of a Cooperative Apartment, evidenced by a Mortgage Note and secured by (i) a Security Agreement, (ii) the related Cooperative Stock Certificate, (iii) an assignment of the Cooperative Lease, (iv) financing statements and (v) a stock power (or other similar instrument), and ancillary thereto, a recognition agreement between the Cooperative and the originator of the Cooperative Loan, each of which was transferred and assigned to the Trustee pursuant to Section 2.01 and are from time to time held as part of the Trust Fund. Cooperative Stock: With respect to a Cooperative Loan, the single outstanding class of stock, partnership interest or other ownership instrument in the related Cooperative. Cooperative Stock Certificate: With respect to a Cooperative Loan, the stock certificate or other instrument evidencing the related Cooperative Stock. Credit Support Depletion Date: The first Distribution Date on which the Certificate Principal Balances of the Subordinate Certificates have been reduced to zero. Credit Support Pledge Agreement: The Credit Support Pledge Agreement, dated as of November 24, 1998, among the Master Servicer, GMAC Mortgage Corporation, Combined Collateral LLC and The First National Bank of Chicago (now known as Bank One, National Association), as custodian. Cumulative Insurance Payments: As defined in the Series Supplement. 8 Curtailment: Any Principal Prepayment made by a Mortgagor which is not a Principal Prepayment in Full. Custodial Account: The custodial account or accounts created and maintained pursuant to Section 3.07 in the name of a depository institution, as custodian for the holders of the Certificates, for the holders of certain other interests in mortgage loans serviced or sold by the Master Servicer and for the Master Servicer, into which the amounts set forth in Section 3.07 shall be deposited directly. Any such account or accounts shall be an Eligible Account. Custodial Agreement: An agreement that may be entered into among the Company, the Master Servicer, the Trustee and a Custodian pursuant to which the Custodian will hold certain documents relating to the Mortgage Loans on behalf of the Trustee. Custodian: A custodian appointed pursuant to a Custodial Agreement. --------- Cut-off Date Principal Balance: As to any Mortgage Loan, the unpaid principal balance thereof at the Cut-off Date after giving effect to all installments of principal due on or prior thereto, whether or not received. Debt Service Reduction: With respect to any Mortgage Loan, a reduction in the scheduled Monthly Payment for such Mortgage Loan by a court of competent jurisdiction in a proceeding under the Bankruptcy Code, except such a reduction constituting a Deficient Valuation or any reduction that results in a permanent forgiveness of principal. Deficient Valuation: With respect to any Mortgage Loan, a valuation by a court of competent jurisdiction of the Mortgaged Property in an amount less than the then outstanding indebtedness under the Mortgage Loan, or any reduction in the amount of principal to be paid in connection with any scheduled Monthly Payment that constitutes a permanent forgiveness of principal, which valuation or reduction results from a proceeding under the Bankruptcy Code. Definitive Certificate: Any Certificate other than a Book-Entry Certificate. Deleted Mortgage Loan: A Mortgage Loan replaced or to be replaced with a Qualified Substitute Mortgage Loan. Delinquent: As used herein, a Mortgage Loan is considered to be: "30 to 59 days" or "30 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the last business day immediately prior to the next following monthly scheduled due date; "60 to 89 days" or "60 or more days" delinquent when a payment due on any scheduled due date remains unpaid as of the close of business on the last business day immediately prior to the second following monthly scheduled due date; and so on. The determination as to whether a Mortgage Loan falls into these categories is made as of the close of business on the last business day of each month. For example, a Mortgage Loan with a payment due on July 1 that remained unpaid as of the close of business on July 31 would then be considered to be 30 to 59 days delinquent. Delinquency information as of the Cut-off Date is determined and prepared as of the close of business on the last business day immediately prior to the Cut-off Date. 9 Depository: The Depository Trust Company, or any successor Depository hereafter named. The nominee of the initial Depository for purposes of registering those Certificates that are to be Book-Entry Certificates is Cede & Co. The Depository shall at all times be a "clearing corporation" as defined in Section 8-102(a)(5) of the Uniform Commercial Code of the State of New York and a "clearing agency" registered pursuant to the provisions of Section 17A of the Securities Exchange Act of 1934, as amended. Depository Participant: A broker, dealer, bank or other financial institution or other Person for whom from time to time a Depository effects book-entry transfers and pledges of securities deposited with the Depository. Destroyed Mortgage Note: A Mortgage Note the original of which was permanently lost or destroyed and has not been replaced. Determination Date: As defined in the Series Supplement. Discount Fraction: With respect to each Discount Mortgage Loan, the fraction expressed as a percentage, the numerator of which is the Discount Net Mortgage Rate minus the Net Mortgage Rate (or the initial Net Mortgage Rate with respect to any Discount Mortgage Loans as to which the Mortgage Rate is modified pursuant to 3.07(a)) for such Mortgage Loan and the denominator of which is the Discount Net Mortgage Rate. The Discount Fraction with respect to each Discount Mortgage Loan is set forth as an exhibit attached to the Series Supplement. Discount Mortgage Loan: Any Mortgage Loan having a Net Mortgage Rate (or the initial Net Mortgage Rate) of less than the Discount Net Mortgage Rate per annum and any Mortgage Loan deemed to be a Discount Mortgage Loan pursuant to the definition of Qualified Substitute Mortgage Loan. Discount Net Mortgage Rate: As defined in the Series Supplement. Disqualified Organization: Any organization defined as a "disqualified organization" under Section 860E(e)(5) of the Code, and if not otherwise included, any of the following: (i) the United States, any State or political subdivision thereof, any possession of the United States, or any agency or instrumentality of any of the foregoing (other than an instrumentality which is a corporation if all of its activities are subject to tax and, except for the Freddie Mac, a majority of its board of directors is not selected by such governmental unit), (ii) a foreign government, any international organization, or any agency or instrumentality of any of the foregoing, (iii) any organization (other than certain farmers' cooperatives described in Section 521 of the Code) which is exempt from the tax imposed by Chapter 1 of the Code (including the tax imposed by Section 511 of the Code on unrelated business taxable income), (iv) rural electric and telephone cooperatives described in Section 1381(a)(2)(C) of the Code, (v) any "electing large partnership," as defined in Section 775(a) of the Code and (vi) any other Person so designated by the Trustee based upon an Opinion of Counsel that the holding of an Ownership Interest in a Class R Certificate by such Person may cause the Trust Fund or any Person having an Ownership Interest in any Class of Certificates (other than such Person) to incur a liability for any federal tax imposed under the Code that would not otherwise be imposed but for the Transfer of an Ownership Interest in a Class R Certificate to such Person. The terms "United States", "State" and 10 "international organization" shall have the meanings set forth in Section 7701 of the Code or successor provisions. Distribution Date: The 25th day of any month beginning in the month immediately following the month of the initial issuance of the Certificates or, if such 25th day is not a Business Day, the Business Day immediately following such 25th day. Due Date: With respect to any Distribution Date and any Mortgage Loan, the day during the related Due Period on which the Monthly Payment is due. Due Period: With respect to any Distribution Date, the one-month period set forth in the Series Supplement. Eligible Account: An account that is any of the following: (i) maintained with a depository institution the debt obligations of which have been rated by each Rating Agency in its highest rating available, or (ii) an account or accounts in a depository institution in which such accounts are fully insured to the limits established by the FDIC, provided that any deposits not so insured shall, to the extent acceptable to each Rating Agency, as evidenced in writing, be maintained such that (as evidenced by an Opinion of Counsel delivered to the Trustee and each Rating Agency) the registered Holders of Certificates have a claim with respect to the funds in such account or a perfected first security interest against any collateral (which shall be limited to Permitted Investments) securing such funds that is superior to claims of any other depositors or creditors of the depository institution with which such account is maintained, or (iii) in the case of the Custodial Account, a trust account or accounts maintained in the corporate trust department of Bank One, National Association, or (iv) in the case of the Certificate Account, a trust account or accounts maintained in the corporate trust division of the Trustee, or (v) an account or accounts of a depository institution acceptable to each Rating Agency (as evidenced in writing by each Rating Agency that use of any such account as the Custodial Account or the Certificate Account will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency). Event of Default: As defined in Section 7.01. Excess Bankruptcy Loss: Any Bankruptcy Loss, or portion thereof, which exceeds the then applicable Bankruptcy Amount. Excess Fraud Loss: Any Fraud Loss, or portion thereof, which exceeds the then applicable Fraud Loss Amount. Excess Special Hazard Loss: Any Special Hazard Loss, or portion thereof, that exceeds the then applicable Special Hazard Amount. Excess Subordinate Principal Amount: With respect to any Distribution Date on which the aggregate Certificate Principal Balance of the Class of Subordinate Certificates then outstanding with the Lowest Priority is to be reduced to zero and on which Realized Losses are to be allocated to such class or classes, the excess, if any, of (i) the amount that would otherwise be distributable in respect of principal on such class or classes of Certificates on such Distribution Date over (ii) the excess, if any, of the aggregate 11 Certificate Principal Balance of such class or classes of Certificates immediately prior to such Distribution Date over the aggregate amount of Realized Losses to be allocated to such classes of Certificates on such Distribution Date as reduced by any amount calculated pursuant to Section 4.02(b)(i)(E). With respect to any Mortgage Pool that is comprised of two or more Loan Groups, the Excess Subordinate Principal Amount will be allocated between each Loan Group on a pro rata basis in accordance with the amount of Realized Losses attributable to each Loan Group and allocated to the Certificates on such Distribution Date. Extraordinary Events: Any of the following conditions with respect to a Mortgaged Property (or, with respect to a Cooperative Loan, the Cooperative Apartment) or Mortgage Loan causing or resulting in a loss which causes the liquidation of such Mortgage Loan: (a) losses that are of the type that would be covered by the fidelity bond and the errors and omissions insurance policy required to be maintained pursuant to Section 3.12(b) but are in excess of the coverage maintained thereunder; (b) nuclear reaction or nuclear radiation or radioactive contamination, all whether controlled or uncontrolled, and whether such loss be direct or indirect, proximate or remote or be in whole or in part caused by, contributed to or aggravated by a peril covered by the definition of the term "Special Hazard Loss"; (c) hostile or warlike action in time of peace or war, including action in hindering, combating or defending against an actual, impending or expected attack: 1. by any government or sovereign power, de jure or de facto, or by any authority maintaining or using military, naval or air forces; or 2. by military, naval or air forces; or 3. by an agent of any such government, power, authority or forces; (d) any weapon of war employing atomic fission or radioactive force whether in time of peace or war; or (e) insurrection, rebellion, revolution, civil war, usurped power or action taken by governmental authority in hindering, combating or defending against such an occurrence, seizure or destruction under quarantine or customs regulations, confiscation by order of any government or public authority; or risks of contraband or illegal transportation or trade. Extraordinary Losses: Any loss incurred on a Mortgage Loan caused by or resulting from an Extraordinary Event. Fannie Mae: Federal National Mortgage Association, a federally chartered and privately owned corporation organized and existing under the Federal National Mortgage Association Charter Act, or any successor thereto. 12 FASIT: A "financial asset securitization investment trust" within the meaning of Section 860L of the Code. FDIC: Federal Deposit Insurance Corporation or any successor thereto. Final Distribution Date: The Distribution Date on which the final distribution in respect of the Certificates will be made pursuant to Section 9.01, which Final Distribution Date shall in no event be later than the end of the 90-day liquidation period described in Section 9.02. Fitch: Fitch, Inc. or its successor in interest. Foreclosure Profits: As to any Distribution Date or related Determination Date and any Mortgage Loan, the excess, if any, of Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of all amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of each Mortgage Loan or REO Property for which a Cash Liquidation or REO Disposition occurred in the related Prepayment Period over the sum of the unpaid principal balance of such Mortgage Loan or REO Property (determined, in the case of an REO Disposition, in accordance with Section 3.14) plus accrued and unpaid interest at the Mortgage Rate on such unpaid principal balance from the Due Date to which interest was last paid by the Mortgagor to the first day of the month following the month in which such Cash Liquidation or REO Disposition occurred. Fraud Losses: Losses on Mortgage Loans as to which there was fraud in the origination of such Mortgage Loan. Freddie Mac: Federal Home Loan Mortgage Corporation, a corporate instrumentality of the United States created and existing under Title III of the Emergency Home Finance Act of 1970, as amended, or any successor thereto. Highest Priority: As of any date of determination, the Class of Subordinate Certificates then outstanding with the earliest priority for payments pursuant to Section 4.02(a), in the following order: Class M-1, Class M-2, Class M-3, Class B-1, Class B-2 and Class B-3 Certificates. Independent: When used with respect to any specified Person, means such a Person who (i) is in fact independent of the Company, the Master Servicer and the Trustee, or any Affiliate thereof, (ii) does not have any direct financial interest or any material indirect financial interest in the Company, the Master Servicer or the Trustee or in an Affiliate thereof, and (iii) is not connected with the Company, the Master Servicer or the Trustee as an officer, employee, promoter, underwriter, trustee, partner, director or person performing similar functions. Initial Certificate Principal Balance: With respect to each Class of Certificates, the Certificate Principal Balance of such Class of Certificates as of the Cut-off Date, as set forth in the Series Supplement. Initial Monthly Payment Fund: An amount representing scheduled principal amortization and interest at the Net Mortgage Rate for the Due Date in the first Due Period commencing subsequent to the Cut-off Date for those Mortgage Loans for which the Trustee will not be entitled to receive such payment, and as more specifically defined in the Series Supplement. 13 Initial Notional Amount: With respect to any Class or Subclass of Interest Only Certificates, the amount initially used as the principal basis for the calculation of any interest payment amount, as more specifically defined in the Series Supplement. Initial Subordinate Class Percentage: As defined in the Series Supplement. Insurance Proceeds: Proceeds paid in respect of the Mortgage Loans pursuant to any Primary Insurance Policy or any other related insurance policy covering a Mortgage Loan (excluding any Certificate Policy (as defined in the Series Supplement)), to the extent such proceeds are payable to the mortgagee under the Mortgage, any Subservicer, the Master Servicer or the Trustee and are not applied to the restoration of the related Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) or released to the Mortgagor in accordance with the procedures that the Master Servicer would follow in servicing mortgage loans held for its own account. Insurer: Any named insurer under any Primary Insurance Policy or any successor thereto or the named insurer in any replacement policy. Interest Accrual Period: As defined in the Series Supplement. Interest Only Certificates: A Class or Subclass of Certificates not entitled to payments of principal, and designated as such in the Series Supplement. The Interest Only Certificates will have no Certificate Principal Balance. Interim Certification: As defined in Section 2.02. International Borrower: In connection with any Mortgage Loan, a borrower who is (a) a United States citizen employed in a foreign country, (b) a non-permanent resident alien employed in the United States or (c) a citizen of a country other than the United States with income derived from sources outside the United States. Junior Certificateholder: The Holder of not less than 95% of the Percentage Interests of the Junior Class of Certificates. Junior Class of Certificates: The Class of Subordinate Certificates outstanding as of the date of the repurchase of a Mortgage Loan pursuant to Section 4.07 herein that has the Lowest Priority. Late Collections: With respect to any Mortgage Loan, all amounts received during any Due Period, whether as late payments of Monthly Payments or as Insurance Proceeds, Liquidation Proceeds or otherwise, which represent late payments or collections of Monthly Payments due but delinquent for a previous Due Period and not previously recovered. Liquidation Proceeds: Amounts (other than Insurance Proceeds) received by the Master Servicer in connection with the taking of an entire Mortgaged 14 Property by exercise of the power of eminent domain or condemnation or in connection with the liquidation of a defaulted Mortgage Loan through trustee's sale, foreclosure sale or otherwise, other than REO Proceeds. Loan Group: Any group of Mortgage Loans designated as a separate loan group in the Series Supplement. The Certificates relating to each Loan Group will be designated in the Series Supplement. Loan-to-Value Ratio: As of any date, the fraction, expressed as a percentage, the numerator of which is the current principal balance of the related Mortgage Loan at the date of determination and the denominator of which is the Appraised Value of the related Mortgaged Property. Lower Priority: As of any date of determination and any Class of Subordinate Certificates, any other Class of Subordinate Certificates then outstanding with a later priority for payments pursuant to Section 4.02 (a). Lowest Priority: As of any date of determination, the Class of Subordinate Certificates then outstanding with the latest priority for payments pursuant to Section 4.02(a), in the following order: Class B-3, Class B-2, Class B-1, Class M-3, Class M-2 and Class M-1 Certificates. Maturity Date: The latest possible maturity date, solely for purposes of Section 1.860G-1(a)(4)(iii) of the Treasury regulations, by which the Certificate Principal Balance of each Class of Certificates (other than the Interest Only Certificates which have no Certificate Principal Balance) and each Uncertificated REMIC Regular Interest would be reduced to zero, as designated in the Series Supplement. MERS: Mortgage Electronic Registration Systems, Inc., a corporation organized and existing under the laws of the State of Delaware, or any successor thereto. MERS(R) System: The system of recording transfers of Mortgages electronically maintained by MERS. MIN: The Mortgage Identification Number for Mortgage Loans registered with MERS on the MERS(R)System. MLCC: Merrill Lynch Credit Corporation, or its successor in interest. Modified Mortgage Loan: Any Mortgage Loan that has been the subject of a Servicing Modification. Modified Net Mortgage Rate: As to any Mortgage Loan that is the subject of a Servicing Modification, the Net Mortgage Rate minus the rate per annum by which the Mortgage Rate on such Mortgage Loan was reduced. MOM Loan: With respect to any Mortgage Loan, MERS acting as the mortgagee of such Mortgage Loan, solely as nominee for the originator of such Mortgage Loan and its successors and assigns, at the origination thereof. 15 Monthly Payment: With respect to any Mortgage Loan (including any REO Property) and any Due Date, the payment of principal and interest due thereon in accordance with the amortization schedule at the time applicable thereto (after adjustment, if any, for Curtailments and for Deficient Valuations occurring prior to such Due Date but before any adjustment to such amortization schedule by reason of any bankruptcy, other than a Deficient Valuation, or similar proceeding or any moratorium or similar waiver or grace period and before any Servicing Modification that constitutes a reduction of the interest rate on such Mortgage Loan). Moody's: Moody's Investors Service, Inc., or its successor in interest. Mortgage: With respect to each Mortgage Note related to a Mortgage Loan which is not a Cooperative Loan, the mortgage, deed of trust or other comparable instrument creating a first lien on an estate in fee simple or leasehold interest in real property securing a Mortgage Note. Mortgage File: The mortgage documents listed in Section 2.01 pertaining to a particular Mortgage Loan and any additional documents required to be added to the Mortgage File pursuant to this Agreement. Mortgage Loans: Such of the mortgage loans transferred and assigned to the Trustee pursuant to Section 2.01 as from time to time are held or deemed to be held as a part of the Trust Fund, the Mortgage Loans originally so held being identified in the initial Mortgage Loan Schedule, and Qualified Substitute Mortgage Loans held or deemed held as part of the Trust Fund including, without limitation, (i) with respect to each Cooperative Loan, the related Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock Certificate, Cooperative Lease and Mortgage File and all rights appertaining thereto, and (ii) with respect to each Mortgage Loan other than a Cooperative Loan, each related Mortgage Note, Mortgage and Mortgage File and all rights appertaining thereto. Mortgage Loan Schedule: As defined in the Series Supplement. Mortgage Note: The originally executed note or other evidence of indebtedness evidencing the indebtedness of a Mortgagor under a Mortgage Loan, together with any modification thereto. Mortgage Pool: The pool of mortgage loans, including all Loan Groups, if any, consisting of the Mortgage Loans. Mortgage Rate: As to any Mortgage Loan, the interest rate borne by the related Mortgage Note, or any modification thereto other than a Servicing Modification. Mortgaged Property: The underlying real property securing a Mortgage Loan or, with respect to a Cooperative Loan, the related Cooperative Lease and Cooperative Stock. Mortgagor: The obligor on a Mortgage Note. Net Mortgage Rate: As to each Mortgage Loan, a per annum rate of interest equal to the Adjusted Mortgage Rate less the per annum rate at which the Servicing Fee is calculated. 16 Non-Discount Mortgage Loan: A Mortgage Loan that is not a Discount Mortgage Loan. Non-Primary Residence Loans: The Mortgage Loans designated as secured by second or vacation residences, or by non-owner occupied residences, on the Mortgage Loan Schedule. Non-United States Person: Any Person other than a United States Person. Nonrecoverable Advance: Any Advance previously made or proposed to be made by the Master Servicer in respect of a Mortgage Loan (other than a Deleted Mortgage Loan) which, in the good faith judgment of the Master Servicer, will not, or, in the case of a proposed Advance, would not, be ultimately recoverable by the Master Servicer from related Late Collections, Insurance Proceeds, Liquidation Proceeds, REO Proceeds or amounts reimbursable to the Master Servicer pursuant to Section 4.02(a) hereof. The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance would constitute a Nonrecoverable Advance, shall be evidenced by an Officers' Certificate delivered to the Company, the Trustee and any Certificate Insurer. Nonsubserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is not subject to a Subservicing Agreement. Notional Amount: With respect to any Class or Subclass of Interest Only Certificates, an amount used as the principal basis for the calculation of any interest payment amount, as more specifically defined in the Series Supplement. Officers' Certificate: A certificate signed by the Chairman of the Board, the President or a Vice President or Assistant Vice President, or a Director or Managing Director, and by the Treasurer, the Secretary, or one of the Assistant Treasurers or Assistant Secretaries of the Company or the Master Servicer, as the case may be, and delivered to the Trustee, as required by this Agreement. Opinion of Counsel: A written opinion of counsel acceptable to the Trustee and the Master Servicer, who may be counsel for the Company or the Master Servicer, provided that any opinion of counsel (i) referred to in the definition of "Disqualified Organization" or (ii) relating to the qualification of any REMIC formed under the Series Supplement or compliance with the REMIC Provisions must, unless otherwise specified, be an opinion of Independent counsel. Outstanding Mortgage Loan: As to any Due Date, a Mortgage Loan (including an REO Property) which was not the subject of a Principal Prepayment in Full, Cash Liquidation or REO Disposition and which was not purchased, deleted or substituted for prior to such Due Date pursuant to Section 2.02, 2.03, 2.04 or 4.07. Ownership Interest: As to any Certificate, any ownership or security interest in such Certificate, including any interest in such Certificate as the Holder thereof and any other interest therein, whether direct or indirect, legal or beneficial, as owner or as pledgee. Pass-Through Rate: As defined in the Series Supplement. Paying Agent: The Trustee or any successor Paying Agent appointed by the Trustee. 17 Percentage Interest: With respect to any Certificate (other than a Class R Certificate), the undivided percentage ownership interest in the related Class evidenced by such Certificate, which percentage ownership interest shall be equal to the Initial Certificate Principal Balance thereof or Initial Notional Amount (in the case of any Interest Only Certificate) thereof divided by the aggregate Initial Certificate Principal Balance or the aggregate of the Initial Notional Amounts, as applicable, of all the Certificates of the same Class. With respect to a Class R Certificate, the interest in distributions to be made with respect to such Class evidenced thereby, expressed as a percentage, as stated on the face of each such Certificate. Permitted Investments: One or more of the following: (i) obligations of or guaranteed as to principal and interest by the United States or any agency or instrumentality thereof when such obligations are backed by the full faith and credit of the United States; (ii) repurchase agreements on obligations specified in clause (i) maturing not more than one month from the date of acquisition thereof, provided that the unsecured obligations of the party agreeing to repurchase such obligations are at the time rated by each Rating Agency in its highest short-term rating available; (iii)federal funds, certificates of deposit, demand deposits, time deposits and bankers' acceptances (which shall each have an original maturity of not more than 90 days and, in the case of bankers' acceptances, shall in no event have an original maturity of more than 365 days or a remaining maturity of more than 30 days) denominated in United States dollars of any U.S. depository institution or trust company incorporated under the laws of the United States or any state thereof or of any domestic branch of a foreign depository institution or trust company; provided that the debt obligations of such depository institution or trust company (or, if the only Rating Agency is Standard & Poor's, in the case of the principal depository institution in a depository institution holding company, debt obligations of the depository institution holding company) at the date of acquisition thereof have been rated by each Rating Agency in its highest short-term rating available; and provided further that, if the only Rating Agency is Standard & Poor's and if the depository or trust company is a principal subsidiary of a bank holding company and the debt obligations of such subsidiary are not separately rated, the applicable rating shall be that of the bank holding company; and, provided further that, if the original maturity of such short-term obligations of a domestic branch of a foreign depository institution or trust company shall exceed 30 days, the short-term rating of such institution shall be A-1+ in the case of Standard & Poor's if Standard & Poor's is the Rating Agency; (iv) commercial paper and demand notes (having original maturities of not more than 365 days) of any corporation incorporated under the laws of the United States or any state thereof which on the date of acquisition has been rated by each Rating Agency in its highest short-term rating available; provided that such commercial paper shall have a remaining maturity of not more than 30 days; 18 (v) a money market fund or a qualified investment fund rated by each Rating Agency in its highest long-term rating available; and (vi) other obligations or securities that are acceptable to each Rating Agency as a Permitted Investment hereunder and will not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency, as evidenced in writing; provided, however, no instrument shall be a Permitted Investment if it represents, either (1) the right to receive only interest payments with respect to the underlying debt instrument or (2) the right to receive both principal and interest payments derived from obligations underlying such instrument and the principal and interest payments with respect to such instrument provide a yield to maturity greater than 120% of the yield to maturity at par of such underlying obligations. References herein to the highest rating available on unsecured long-term debt shall mean AAA in the case of Standard & Poor's and Fitch and Aaa in the case of Moody's, and references herein to the highest rating available on unsecured commercial paper and short-term debt obligations shall mean A-1 in the case of Standard & Poor's, P-1 in the case of Moody's and either A-1 by Standard & Poor's, P-1 by Moody's or F-1 by Fitch in the case of Fitch. Permitted Transferee: Any Transferee of a Class R Certificate, other than a Disqualified Organization or Non-United States Person. Person: Any individual, corporation, limited liability company, partnership, joint venture, association, joint-stock company, trust, unincorporated organization or government or any agency or political subdivision thereof. Pledged Amount: With respect to any Pledged Asset Loan, the amount of money remitted to Combined Collateral LLC, at the direction of or for the benefit of the related Mortgagor. Pledged Asset Loan: Any Mortgage Loan supported by Pledged Assets or such other collateral, other than the related Mortgaged Property, set forth in the Series Supplement. Pledged Assets: With respect to any Mortgage Loan, all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts and other investment property and other property of whatever kind or description pledged by Combined Collateral LLC as security in respect of any Realized Losses in connection with such Mortgage Loan up to the Pledged Amount for such Mortgage Loan, and any related collateral, or such other collateral as may be set forth in the Series Supplement. Pledged Asset Mortgage Servicing Agreement: The Pledged Asset Mortgage Servicing Agreement, dated as of February 28, 1996 between MLCC and the Master Servicer. Pooling and Servicing Agreement or Agreement: With respect to any Series, this Standard Terms together with the related Series Supplement. 19 Pool Stated Principal Balance: As to any Distribution Date, the aggregate of the Stated Principal Balances of each Mortgage Loan. Pool Strip Rate: With respect to each Mortgage Loan, a per annum rate equal to the excess of (a) the Net Mortgage Rate of such Mortgage Loan over (b) the Discount Net Mortgage Rate (but not less than 0.00%) per annum. Prepayment Distribution Trigger: With respect to any Distribution Date and any Class of Subordinate Certificates (other than the Class M-1 Certificates), a test that shall be satisfied if the fraction (expressed as a percentage) equal to the sum of the Certificate Principal Balances of such Class and each Class of Subordinate Certificates with a Lower Priority than such Class immediately prior to such Distribution Date divided by the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) immediately prior to such Distribution Date is greater than or equal to the sum of the related Initial Subordinate Class Percentages of such Classes of Subordinate Certificates. Prepayment Interest Shortfall: As to any Distribution Date and any Mortgage Loan (other than a Mortgage Loan relating to an REO Property) that was the subject of (a) a Principal Prepayment in Full during the portion of the related Prepayment Period that falls during the prior calendar month, an amount equal to the excess of one month's interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the Stated Principal Balance of such Mortgage Loan over the amount of interest (adjusted to the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan)) paid by the Mortgagor for such month to the date of such Principal Prepayment in Full or (b) a Curtailment during the prior calendar month, an amount equal to one month's interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount of such Curtailment. Prepayment Period: As to any Distribution Date and Principal Prepayment in Full, the period commencing on the 16th day of the month prior to the month in which that Distribution Date occurs and ending on the 15th day of the month in which such Distribution Date occurs. Primary Insurance Policy: Each primary policy of mortgage guaranty insurance or any replacement policy therefor referred to in Section 2.03(b)(iv) and (v). Principal Only Certificates: A Class of Certificates not entitled to payments of interest, and more specifically designated as such in the Series Supplement. Principal Prepayment: Any payment of principal or other recovery on a Mortgage Loan, including a recovery that takes the form of Liquidation Proceeds or Insurance Proceeds, which is received in advance of its scheduled Due Date and is not accompanied by an amount as to interest representing scheduled interest on such payment due on any date or dates in any month or months subsequent to the month of prepayment. Principal Prepayment in Full: Any Principal Prepayment of the entire principal balance of a Mortgage Loan that is made by the Mortgagor. 20 Program Guide: Collectively, the Client Guide and the Servicer Guide for Residential Funding's Expanded Criteria Mortgage Program. Purchase Price: With respect to any Mortgage Loan (or REO Property) required to be or otherwise purchased on any date pursuant to Section 2.02, 2.03, 2.04 or 4.07, an amount equal to the sum of (i) 100% of the Stated Principal Balance thereof plus the principal portion of any related unreimbursed Advances and (ii) unpaid accrued interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee is calculated in the case of a Modified Mortgage Loan) (or at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) in the case of a purchase made by the Master Servicer) on the Stated Principal Balance thereof to the Due Date in the Due Period related to the Distribution Date occurring in the month following the month of purchase from the Due Date to which interest was last paid by the Mortgagor. Qualified Substitute Mortgage Loan: A Mortgage Loan substituted by Residential Funding or the Company for a Deleted Mortgage Loan which must, on the date of such substitution, as confirmed in an Officers' Certificate delivered to the Trustee, with a copy to the Custodian, (i) have an outstanding principal balance, after deduction of the principal portion of the monthly payment due in the month of substitution (or in the case of a substitution of more than one Mortgage Loan for a Deleted Mortgage Loan, an aggregate outstanding principal balance, after such deduction), not in excess of the Stated Principal Balance of the Deleted Mortgage Loan (the amount of any shortfall to be deposited by Residential Funding in the Custodial Account in the month of substitution); (ii) have a Mortgage Rate and a Net Mortgage Rate no lower than and not more than 1% per annum higher than the Mortgage Rate and Net Mortgage Rate, respectively, of the Deleted Mortgage Loan as of the date of substitution; (iii) have a Loan-to-Value Ratio at the time of substitution no higher than that of the Deleted Mortgage Loan at the time of substitution; (iv) have a remaining term to stated maturity not greater than (and not more than one year less than) that of the Deleted Mortgage Loan; (v) comply with each representation and warranty set forth in Sections 2.03 and 2.04 hereof and Section 4 of the Assignment Agreement; and (vi) have a Pool Strip Rate equal to or greater than that of the Deleted Mortgage Loan. Notwithstanding any other provisions herein, (x) with respect to any Qualified Substitute Mortgage Loan substituted for a Deleted Mortgage Loan which was a Discount Mortgage Loan, such Qualified Substitute Mortgage Loan shall be deemed to be a Discount Mortgage Loan and to have a Discount Fraction equal to the Discount Fraction of the Deleted Mortgage Loan and (y) in the event that the "Pool Strip Rate" of any Qualified Substitute Mortgage Loan as calculated 21 pursuant to the definition of "Pool Strip Rate" is greater than the Pool Strip Rate of the related Deleted Mortgage Loan (i) the Pool Strip Rate of such Qualified Substitute Mortgage Loan shall be equal to the Pool Strip Rate of the related Deleted Mortgage Loan for purposes of calculating the Pass-Through Rate on the Class A-V Certificates and (ii) the excess of the Pool Strip Rate on such Qualified Substitute Mortgage Loan as calculated pursuant to the definition of "Pool Strip Rate" over the Pool Strip Rate on the related Deleted Mortgage Loan shall be payable to the Class R Certificates pursuant to Section 4.02 hereof. Rating Agency: Each of the statistical credit rating agencies specified in the Preliminary Statement of the Series Supplement. If any agency or a successor is no longer in existence, "Rating Agency" shall be such statistical credit rating agency, or other comparable Person, designated by the Company, notice of which designation shall be given to the Trustee and the Master Servicer. Realized Loss: With respect to each Mortgage Loan (or REO Property): (a) as to which a Cash Liquidation or REO Disposition has occurred, an amount (not less than zero) equal to (i) the Stated Principal Balance of the Mortgage Loan (or REO Property) as of the date of Cash Liquidation or REO Disposition, plus (ii) interest (and REO Imputed Interest, if any) at the Net Mortgage Rate from the Due Date as to which interest was last paid or advanced to Certificateholders up to the Due Date in the Due Period related to the Distribution Date on which such Realized Loss will be allocated pursuant to Section 4.05 on the Stated Principal Balance of such Mortgage Loan (or REO Property) outstanding during each Due Period that such interest was not paid or advanced, minus (iii) the proceeds, if any, received during the month in which such Cash Liquidation (or REO Disposition) occurred, to the extent applied as recoveries of interest at the Net Mortgage Rate and to principal of the Mortgage Loan, net of the portion thereof reimbursable to the Master Servicer or any Subservicer with respect to related Advances or expenses as to which the Master Servicer or Subservicer is entitled to reimbursement thereunder but which have not been previously reimbursed, (b) which is the subject of a Servicing Modification, (i) the amount by which the interest portion of a Monthly Payment or the principal balance of such Mortgage Loan was reduced, and (ii) any such amount with respect to a Monthly Payment that was or would have been due in the month immediately following the month in which a Principal Prepayment or the Purchase Price of such Mortgage Loan is received or is deemed to have been received, (c) which has become the subject of a Deficient Valuation, the difference between the principal balance of the Mortgage Loan outstanding immediately prior to such Deficient Valuation and the principal balance of the Mortgage Loan as reduced by the Deficient Valuation, or 22 (d) which has become the object of a Debt Service Reduction, the amount of such Debt Service Reduction. Notwithstanding the above, neither a Deficient Valuation nor a Debt Service Reduction shall be deemed a Realized Loss hereunder so long as the Master Servicer has notified the Trustee in writing that the Master Servicer is diligently pursuing any remedies that may exist in connection with the representations and warranties made regarding the related Mortgage Loan and either (A) the related Mortgage Loan is not in default with regard to payments due thereunder or (B) delinquent payments of principal and interest under the related Mortgage Loan and any premiums on any applicable primary hazard insurance policy and any related escrow payments in respect of such Mortgage Loan are being advanced on a current basis by the Master Servicer or a Subservicer, in either case without giving effect to any Debt Service Reduction. Record Date: With respect to each Distribution Date, the close of business on the last Business Day of the month next preceding the month in which the related Distribution Date occurs. Regular Certificate: Any of the Certificates other than a Class R Certificate. REMIC: A "real estate mortgage investment conduit" within the meaning of Section 860D of the Code. REMIC Administrator: Residential Funding Corporation. If Residential Funding Corporation is found by a court of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under this Agreement the Master Servicer or Trustee acting as Master Servicer shall appoint a successor REMIC Administrator, subject to assumption of the REMIC Administrator obligations under this Agreement. REMIC Provisions: Provisions of the federal income tax law relating to real estate mortgage investment conduits, which appear at Sections 860A through 860G of Subchapter M of Chapter 1 of the Code, and related provisions, and temporary and final regulations (or, to the extent not inconsistent with such temporary or final regulations, proposed regulations) and published rulings, notices and announcements promulgated thereunder, as the foregoing may be in effect from time to time. REO Acquisition: The acquisition by the Master Servicer on behalf of the Trustee for the benefit of the Certificateholders of any REO Property pursuant to Section 3.14. REO Disposition: As to any REO Property, a determination by the Master Servicer that it has received all Insurance Proceeds, Liquidation Proceeds, REO Proceeds and other payments and recoveries (including proceeds of a final sale) which the Master Servicer expects to be finally recoverable from the sale or other disposition of the REO Property. REO Imputed Interest: As to any REO Property, for any period, an amount equivalent to interest (at the Net Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of acquisition thereof for such period. 23 REO Proceeds: Proceeds, net of expenses, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property or, with respect to a Cooperative Loan, the related Cooperative Apartment) which proceeds are required to be deposited into the Custodial Account only upon the related REO Disposition. REO Property: A Mortgaged Property acquired by the Master Servicer through foreclosure or deed in lieu of foreclosure in connection with a defaulted Mortgage Loan. Request for Release: A request for release, the forms of which are attached as Exhibit F hereto, or an electronic request in a form acceptable to the Custodian. Required Insurance Policy: With respect to any Mortgage Loan, any insurance policy which is required to be maintained from time to time under this Agreement, the Program Guide or the related Subservicing Agreement in respect of such Mortgage Loan. Required Surety Payment: With respect to any Additional Collateral Loan that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion of the Realized Loss with respect to such Mortgage Loan and (ii) the excess, if any, of (a) the amount of Additional Collateral required at origination with respect to such Mortgage Loan over (b) the net proceeds realized by the Subservicer from the related Additional Collateral. Residential Funding: Residential Funding Corporation, a Delaware corporation, in its capacity as seller of the Mortgage Loans to the Company and any successor thereto. Responsible Officer: When used with respect to the Trustee, any officer of the Corporate Trust Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers to whom, with respect to a particular matter, such matter is referred. Retail Certificates: A Senior Certificate, if any, offered in smaller minimum denominations than other Senior Certificates, and designated as such in the Series Supplement. Schedule of Discount Fractions: The schedule setting forth the Discount Fractions with respect to the Discount Mortgage Loans, attached as an exhibit to the Series Supplement. Security Agreement: With respect to a Cooperative Loan, the agreement creating a security interest in favor of the originator in the related Cooperative Stock. Seller: As to any Mortgage Loan, a Person, including any Subservicer, that executed a Seller's Agreement applicable to such Mortgage Loan. Seller's Agreement: An agreement for the origination and sale of Mortgage Loans generally in the form of the Seller Contract referred to or contained in the Program Guide, or in such other form as has been approved by the Master Servicer and the Company, each containing representations and warranties in respect of one or more Mortgage Loans consistent in all material respects with those set forth in the Program Guide. 24 Senior Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%. With respect to any Distribution Date thereafter and any such Loan Group, if applicable, as follows: (i) for any Distribution Date after the 60th Distribution Date but on or prior to the 72nd Distribution Date, the related Senior Percentage for such Distribution Date plus 70% of the related Subordinate Percentage for such Distribution Date; (ii) for any Distribution Date after the 72nd Distribution Date but on or prior to the 84th Distribution Date, the related Senior Percentage for such Distribution Date plus 60% of the related Subordinate Percentage for such Distribution Date; (iii) for any Distribution Date after the 84th Distribution Date but on or prior to the 96th Distribution Date, the related Senior Percentage for such Distribution Date plus 40% of the related Subordinate Percentage for such Distribution Date; (iv) for any Distribution Date after the 96th Distribution Date but on or prior to the 108th Distribution Date, the related Senior Percentage for such Distribution Date plus 20% of the related Subordinate Percentage for such Distribution Date; and (v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date; provided, however, (i) that any scheduled reduction to the Senior Accelerated Distribution Percentage described above shall not occur as of any Distribution Date unless either (a)(1)(X) the outstanding principal balance of the Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the Subordinate Certificates, is less than 50% or (Y) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 2% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 30%, 35%, 40%, 45% or 50%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates or (b)(1) the outstanding principal balance of Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 4% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date, if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 10%, 15%, 20%, 25% or 30%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates, and 25 (ii) that for any Distribution Date on which the Senior Percentage is greater than the Senior Percentage as of the Closing Date, the Senior Accelerated Distribution Percentage for such Distribution Date shall be 100%, or, if the Mortgage Pool is comprised of two or more Loan Groups, for any Distribution Date on which the weighted average of the Senior Percentages for each Loan Group, weighted on the basis of the Stated Principal Balances of the Mortgage Loans in the related Loan Group, exceeds the weighted average of the initial Senior Percentages (calculated on such basis) for each Loan Group, each of the Senior Accelerated Distribution Percentages for such Distribution Date will equal 100%. Notwithstanding the foregoing, upon the reduction of the Certificate Principal Balances of the related Senior Certificates (other than the Class A-P Certificates, if any) to zero, the related Senior Accelerated Distribution Percentage shall thereafter be 0%. Senior Certificate: As defined in the Series Supplement. Senior Percentage: As defined in the Series Supplement. Senior Support Certificate: A Senior Certificate that provides additional credit enhancement to certain other classes of Senior Certificates and designated as such in the Preliminary Statement of the Series Supplement. Series: All of the Certificates issued pursuant to a Pooling and Servicing Agreement and bearing the same series designation. Series Supplement: The agreement into which this Standard Terms is incorporated and pursuant to which, together with this Standard Terms, a Series of Certificates is issued. Servicing Accounts: The account or accounts created and maintained pursuant to Section 3.08. Servicing Advances: All customary, reasonable and necessary "out of pocket" costs and expenses incurred in connection with a default, delinquency or other unanticipated event by the Master Servicer in the performance of its servicing obligations, including, but not limited to, the cost of (i) the preservation, restoration and protection of a Mortgaged Property or, with respect to a Cooperative Loan, the related Cooperative Apartment, (ii) any enforcement or judicial proceedings, including foreclosures, including any expenses incurred in relation to any such proceedings that result from the Mortgage Loan being registered on the MERS System, (iii) the management and liquidation of any REO Property and (iv) compliance with the obligations under Sections 3.01, 3.08, 3.12(a) and 3.14, including, if the Master Servicer or any Affiliate of the Master Servicer provides services such as appraisals and brokerage services that are customarily provided by Persons other than servicers of mortgage loans, reasonable compensation for such services. Servicing Fee: With respect to any Mortgage Loan and Distribution Date, the fee payable monthly to the Master Servicer in respect of master servicing compensation that accrues at an annual rate designated on the Mortgage Loan Schedule as the "MSTR SERV FEE" for such Mortgage Loan, as may be adjusted with respect to successor Master Servicers as provided in Section 7.02. 26 Servicing Modification: Any reduction of the interest rate on or the outstanding principal balance of a Mortgage Loan that is in default, or for which, in the judgment of the Master Servicer, default is reasonably foreseeable, pursuant to a modification of such Mortgage Loan in accordance with Section 3.07(a). Servicing Officer: Any officer of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and specimen signature appear on a list of servicing officers furnished to the Trustee by the Master Servicer, as such list may from time to time be amended. Special Hazard Loss: Any Realized Loss not in excess of the cost of the lesser of repair or replacement of a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) suffered by such Mortgaged Property (or Cooperative Apartment) on account of direct physical loss, exclusive of (i) any loss of a type covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property pursuant to Section 3.12(a), except to the extent of the portion of such loss not covered as a result of any coinsurance provision and (ii) any Extraordinary Loss. Standard & Poor's: Standard & Poor's, a division of The McGraw-Hill Companies, Inc., or its successor in interest. Stated Principal Balance: With respect to any Mortgage Loan or related REO Property, at any given time, (i) the Cut-off Date Principal Balance of the Mortgage Loan, minus (ii) the sum of (a) the principal portion of the Monthly Payments due with respect to such Mortgage Loan or REO Property during each Due Period ending prior to the most recent Distribution Date which were received or with respect to which an Advance was made, and (b) all Principal Prepayments with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds, Liquidation Proceeds and REO Proceeds, to the extent applied by the Master Servicer as recoveries of principal in accordance with Section 3.14 with respect to such Mortgage Loan or REO Property, in each case which were distributed pursuant to Section 4.02 on any previous Distribution Date, and (c) any Realized Loss allocated to Certificateholders with respect thereto for any previous Distribution Date. Subclass: With respect to the Class A-V Certificates, any Subclass thereof issued pursuant to Section 5.01(c). Any such Subclass will represent the Uncertificated Class A-V REMIC Regular Interest or Interests specified by the initial Holder of the Class A-V Certificates pursuant to Section 5.01(c). Subordinate Certificate: Any one of the Class M Certificates or Class B Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C, respectively. Subordinate Class Percentage: With respect to any Distribution Date and any Class of Subordinate Certificates, a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of such Class of Subordinate Certificates immediately prior to such date and the denominator of which is the aggregate Stated Principal Balance of all of the 27 Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Subordinate Percentage: As of any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100% minus the related Senior Percentage as of such Distribution Date. Subserviced Mortgage Loan: Any Mortgage Loan that, at the time of reference thereto, is subject to a Subservicing Agreement. Subservicer: Any Person with whom the Master Servicer has entered into a Subservicing Agreement and who generally satisfied the requirements set forth in the Program Guide in respect of the qualification of a Subservicer as of the date of its approval as a Subservicer by the Master Servicer. Subservicer Advance: Any delinquent installment of principal and interest on a Mortgage Loan which is advanced by the related Subservicer (net of its Subservicing Fee) pursuant to the Subservicing Agreement. Subservicing Account: An account established by a Subservicer in accordance with Section 3.08. Subservicing Agreement: The written contract between the Master Servicer and any Subservicer relating to servicing and administration of certain Mortgage Loans as provided in Section 3.02, generally in the form of the servicer contract referred to or contained in the Program Guide or in such other form as has been approved by the Master Servicer and the Company. With respect to Additional Collateral Loans subserviced by MLCC, the Subservicing Agreement shall also include the Addendum and Assignment Agreement and the Pledged Asset Mortgage Servicing Agreement. With respect to any Pledged Asset Loan subserviced by GMAC Mortgage Corporation, the Addendum and Assignment Agreement, dated as of November 24, 1998, between the Master Servicer and GMAC Mortgage Corporation, as such agreement may be amended from time to time. Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to the Master Servicer) in respect of subservicing and other compensation that accrues at an annual rate equal to the excess of the Mortgage Rate borne by the related Mortgage Note over the rate per annum designated on the Mortgage Loan Schedule as the "CURR NET" for such Mortgage Loan. Surety: Ambac, or its successors in interest, or such other surety as may be identified in the Series Supplement. Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE), dated February 28, 1996 in respect to Mortgage Loans originated by MLCC, or the Surety Bond (Policy No. AB0240BE), dated March 17, 1999 in respect to Mortgage Loans originated by Novus Financial Corporation, in each case issued by Ambac for the benefit of certain beneficiaries, including the Trustee for the benefit of the Holders of the Certificates, but only to the extent that such Surety Bond 28 covers any Additional Collateral Loans, or such other Surety Bond as may be identified in the Series Supplement. Tax Returns: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of any REMIC formed under the Series Supplement and under the REMIC Provisions, together with any and all other information, reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws. Transfer: Any direct or indirect transfer, sale, pledge, hypothecation or other form of assignment of any Ownership Interest in a Certificate. Transferee: Any Person who is acquiring by Transfer any Ownership Interest in a Certificate. Transferor: Any Person who is disposing by Transfer of any Ownership Interest in a Certificate. Trust Fund: The segregated pool of assets related to a Series, with respect to which one or more REMIC elections are to be made pursuant to this Agreement, consisting of: (i) the Mortgage Loans and the related Mortgage Files and collateral securing such Mortgage Loans, (ii) all payments on and collections in respect of the Mortgage Loans due after the Cut-off Date as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from the liquidation of Additional Collateral for any Additional Collateral Loan or Pledged Assets for any Pledged Asset Loan, but not including amounts on deposit in the Initial Monthly Payment Fund, (iii) property that secured a Mortgage Loan and that has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01, and (v) all proceeds of clauses (i) through (iv) above. Uniform Single Attestation Program for Mortgage Bankers: The Uniform Single Attestation Program for Mortgage Bankers, as published by the Mortgage Bankers Association of America and effective with respect to fiscal periods ending on or after December 15, 1995. 29 Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies. United States Person or U.S. Person: (i) A citizen or resident of the United States, (ii) a corporation, partnership or other entity treated as a corporation or partnership for United States federal income tax purposes organized in or under the laws of the United States or any state thereof or the District of Columbia (unless, in the case of a partnership, Treasury regulations provide otherwise), provided that, for purposes solely of the restrictions on the transfer of residual interests, no partnership or other entity treated as a partnership for United States federal income tax purposes shall be treated as a United States Person or U.S. Person unless all persons that own an interest in such partnership either directly or indirectly through any chain of entities no one of which is a corporation for United States federal income tax purposes are required by the applicable operating agreement to be United States Persons, (iii) an estate the income of which is includible in gross income for United States tax purposes, regardless of its source, or (iv) a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more United States persons have authority to control all substantial decisions of the trust. Notwithstanding the preceding sentence, to the extent provided in Treasury regulations, certain Trusts in existence on August 20, 1996, and treated as United States persons prior to such date, that elect to continue to be treated as United States persons will also be a U.S. Person. Voting Rights: The portion of the voting rights of all of the Certificates which is allocated to any Certificate, and more specifically designated in Article XI of the Series Supplement. Section 1.02. Use of Words and Phrases. "Herein," "hereby," "hereunder," `hereof," "hereinbefore," "hereinafter" and other equivalent words refer to the Pooling and Servicing Agreement as a whole. All references herein to Articles, Sections or Subsections shall mean the corresponding Articles, Sections and Subsections in the Pooling and Servicing Agreement. The definition set forth herein include both the singular and the plural. 30 ARTICLE II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES Section 2.01. Conveyance of Mortgage Loans. (a) The Company, concurrently with the execution and delivery hereof, does hereby assign to the Trustee without recourse all the right, title and interest of the Company in and to the Mortgage Loans, including all interest and principal received on or with respect to the Mortgage Loans after the Cut-off Date (other than payments of principal and interest due on the Mortgage Loans on or before the Cut-off Date). In connection with such transfer and assignment, the Company does hereby deliver to the Trustee the Certificate Policy (as defined in the Series Supplement), if any. (b) In connection with such assignment, except as set forth in Section 2.01(c) and subject to Section 2.01(d) below, the Company does hereby deliver to, and deposit with, the Trustee, or to and with one or more Custodians, as the duly appointed agent or agents of the Trustee for such purpose, the following documents or instruments (or copies thereof as permitted by this Section) (I) with respect to each Mortgage Loan so assigned (other than a Cooperative Loan): (i) The original Mortgage Note, endorsed without recourse to the order of the Trustee, and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Seller or Residential Funding stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) The original Mortgage, noting the presence of the MIN of the Mortgage Loan and language indicating that the Mortgage Loan is a MOM Loan if the Mortgage Loan is a MOM Loan, with evidence of recording indicated thereon or a copy of the Mortgage with evidence of recording indicated thereon; (iii) Unless the Mortgage Loan is registered on the MERS(R) System, an original Assignment of the Mortgage to the Trustee with evidence of recording indicated thereon or a copy of such assignment with evidence of recording indicated thereon; (iv) The original recorded assignment or assignments of the Mortgage showing an unbroken chain of title from the originator thereof to the Person assigning it to the Trustee (or to MERS, if the Mortgage Loan is registered on the MERS(R) System and noting the presence of a MIN) with evidence of recordation noted thereon or attached thereto, or a copy of such assignment or assignments of the Mortgage with evidence of recording indicated thereon; and (v) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Mortgage Loan or a copy of each modification, assumption agreement or preferred loan agreement. 31 and (II) with respect to each Cooperative Loan so assigned: (i) The original Mortgage Note, endorsed without recourse to the order of the Trustee and showing an unbroken chain of endorsements from the originator thereof to the Person endorsing it to the Trustee, or with respect to any Destroyed Mortgage Note, an original lost note affidavit from the related Seller or Residential Funding stating that the original Mortgage Note was lost, misplaced or destroyed, together with a copy of the related Mortgage Note; (ii) A counterpart of the Cooperative Lease and the Assignment of Proprietary Lease to the originator of the Cooperative Loan with intervening assignments showing an unbroken chain of title from such originator to the Trustee; (iii) The related Cooperative Stock Certificate, representing the related Cooperative Stock pledged with respect to such Cooperative Loan, together with an undated stock power (or other similar instrument) executed in blank; (iv) The original recognition agreement by the Cooperative of the interests of the mortgagee with respect to the related Cooperative Loan; (v) The Security Agreement; (vi) Copies of the original UCC-1 financing statement, and any continuation statements, filed by the originator of such Cooperative Loan as secured party, each with evidence of recording thereof, evidencing the interest of the originator under the Security Agreement and the Assignment of Proprietary Lease; (vii) Copies of the filed UCC-3 assignments of the security interest referenced in clause (vi) above showing an unbroken chain of title from the originator to the Trustee, each with evidence of recording thereof, evidencing the interest of the originator under the Security Agreement and the Assignment of Proprietary Lease; (viii) An executed assignment of the interest of the originator in the Security Agreement, Assignment of Proprietary Lease and the recognition agreement referenced in clause (iv) above, showing an unbroken chain of title from the originator to the Trustee; (ix) The original of each modification, assumption agreement or preferred loan agreement, if any, relating to such Cooperative Loan; and (x) A duly completed UCC-1 financing statement showing the Master Servicer as debtor, the Company as secured party and the Trustee as assignee and a duly completed UCC-1 financing statement showing the Company as debtor and the Trustee as secured party, each in a form sufficient for filing, evidencing the interest of such debtors in the Cooperative Loans. (c) The Company may, in lieu of delivering the original of the documents set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), 32 (iv), (vii), (ix) and (x) (or copies thereof as permitted by Section 2.01(b)) to the Trustee or the Custodian or Custodians, deliver such documents to the Master Servicer, and the Master Servicer shall hold such documents in trust for the use and benefit of all present and future Certificateholders until such time as is set forth in the next sentence. Within thirty Business Days following the earlier of (i) the receipt of the original of all of the documents or instruments set forth in Section 2.01(b)(I)(ii), (iii), (iv) and (v) and Section (b)(II)(ii), (iv), (vii), (ix) and (x) (or copies thereof as permitted by such Section) for any Mortgage Loan and (ii) a written request by the Trustee to deliver those documents with respect to any or all of the Mortgage Loans then being held by the Master Servicer, the Master Servicer shall deliver a complete set of such documents to the Trustee or the Custodian or Custodians that are the duly appointed agent or agents of the Trustee. (d) Notwithstanding the provisions of Section 2.01(c), in connection with any Mortgage Loan, if the Company cannot deliver the original of the Mortgage, any assignment, modification, assumption agreement or preferred loan agreement (or copy thereof as permitted by Section 2.01(b)) with evidence of recording thereon concurrently with the execution and delivery of this Agreement because of (i) a delay caused by the public recording office where such Mortgage, assignment, modification, assumption agreement or preferred loan agreement as the case may be, has been delivered for recordation, or (ii) a delay in the receipt of certain information necessary to prepare the related assignments, the Company shall deliver or cause to be delivered to the Trustee or the respective Custodian a copy of such Mortgage, assignment, modification, assumption agreement or preferred loan agreement. The Company shall promptly cause to be recorded in the appropriate public office for real property records the Assignment referred to in clause (I)(iii) of Section 2.01(b), except (a) in states where, in the opinion of counsel acceptable to the Trustee and the Master Servicer, such recording is not required to protect the Trustee's interests in the Mortgage Loan against the claim of any subsequent transferee or any successor to or creditor of the Company or the originator of such Mortgage Loan or (b) if MERS is identified on the Mortgage or on a properly recorded assignment of the Mortgage as the mortgagee of record solely as nominee for the Seller and its successors and assigns, and shall promptly cause to be filed the Form UCC-3 assignment and UCC-1 financing statement referred to in clause (II)(vii) and (x), respectively, of Section 2.01(b). If any Assignment, Form UCC-3 or Form UCC-1, as applicable, is lost or returned unrecorded to the Company because of any defect therein, the Company shall prepare a substitute Assignment, Form UCC-3 or Form UCC-1, as applicable, or cure such defect, as the case may be, and cause such Assignment to be recorded in accordance with this paragraph. The Company shall promptly deliver or cause to be delivered to the Trustee or the respective Custodian such Mortgage or Assignment or Form UCC-3 or Form UCC-1, as applicable, (or copy thereof as permitted by Section 2.01(b)) with evidence of recording indicated thereon at the time specified in Section 2.01(c). In connection with its servicing of Cooperative Loans, the Master Servicer will use its best efforts to file timely continuation statements with regard to each financing statement and assignment relating to Cooperative Loans as to which the related Cooperative Apartment is located outside of the State of New York. If the Company delivers to the Trustee or Custodian any Mortgage Note or Assignment of Mortgage in blank, the Company shall, or shall cause the Custodian to, complete the endorsement of the Mortgage Note and the Assignment of Mortgage 33 in the name of the Trustee in conjunction with the Interim Certification issued by the Custodian, as contemplated by Section 2.02. Any of the items set forth in Sections 2.01(b)(I)(ii), (iii), (iv) and (v) and (II)(vi) and (vii) and that may be delivered as a copy rather than the original may be delivered to the Trustee or the Custodian. In connection with the assignment of any Mortgage Loan registered on the MERS(R) System, the Company further agrees that it will cause, at the Company's own expense, within 30 Business Days after the Closing Date, the MERS(R) System to indicate that such Mortgage Loans have been assigned by the Company to the Trustee in accordance with this Agreement for the benefit of the Certificateholders by including (or deleting, in the case of Mortgage Loans which are repurchased in accordance with this Agreement) in such computer files (a) the code in the field which identifies the specific Trustee and (b) the code in the field "Pool Field" which identifies the series of the Certificates issued in connection with such Mortgage Loans. The Company further agrees that it will not, and will not permit the Master Servicer to, and the Master Servicer agrees that it will not, alter the codes referenced in this paragraph with respect to any Mortgage Loan during the term of this Agreement unless and until such Mortgage Loan is repurchased in accordance with the terms of this Agreement. (e) Residential Funding hereby assigns to the Trustee its security interest in and to any Additional Collateral or Pledged Assets, its right to receive amounts due or to become due in respect of any Additional Collateral or Pledged Assets pursuant to the related Subservicing Agreement and its rights as beneficiary under the Surety Bond in respect of any Additional Collateral Loans. With respect to any Additional Collateral Loan or Pledged Asset Loan, Residential Funding shall cause to be filed in the appropriate recording office a UCC-3 statement giving notice of the assignment of the related security interest to the Trust Fund and shall thereafter cause the timely filing of all necessary continuation statements with regard to such financing statements. (f) It is intended that the conveyance by the Company to the Trustee of the Mortgage Loans as provided for in this Section 2.01 be and the Uncertificated REMIC Regular Interests, if any (as provided for in Section 2.06), be construed as a sale by the Company to the Trustee of the Mortgage Loans and any Uncertificated REMIC Regular Interests for the benefit of the Certificateholders. Further, it is not intended that such conveyance be deemed to be a pledge of the Mortgage Loans and any Uncertificated REMIC Regular Interests by the Company to the Trustee to secure a debt or other obligation of the Company. Nonetheless, (a) this Agreement is intended to be and hereby is a security agreement within the meaning of Articles 8 and 9 of the New York Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction; (b) the conveyance provided for in Section 2.01 shall be deemed to be, and hereby is, (1) a grant by the Company to the Trustee of a security interest in all of the Company's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to any and all general intangibles, payment intangibles, accounts, chattel paper, instruments, documents, money, deposit accounts, certificates of deposit, goods, letters of credit, advices of credit and investment property and other property of whatever kind or description now existing or hereafter acquired consisting of, arising from or relating to any of the following: (A) the Mortgage Loans, 34 including (i) with respect to each Cooperative Loan, the related Mortgage Note, Security Agreement, Assignment of Proprietary Lease, Cooperative Stock Certificate and Cooperative Lease, (ii) with respect to each Mortgage Loan other than a Cooperative Loan, the related Mortgage Note and Mortgage, and (iii) any insurance policies and all other documents in the related Mortgage File, (B) all amounts payable pursuant to the Mortgage Loans in accordance with the terms thereof, (C) any Uncertificated REMIC Regular Interests and (D) all proceeds of the conversion, voluntary or involuntary, of the foregoing into cash, instruments, securities or other property, including without limitation all amounts from time to time held or invested in the Certificate Account or the Custodial Account, whether in the form of cash, instruments, securities or other property and (2) an assignment by the Company to the Trustee of any security interest in any and all of Residential Funding's right (including the power to convey title thereto), title and interest, whether now owned or hereafter acquired, in and to the property described in the foregoing clauses (1)(A), (B), (C) and (D) granted by Residential Funding to the Company pursuant to the Assignment Agreement; (c) the possession by the Trustee, the Custodian or any other agent of the Trustee of Mortgage Notes or such other items of property as constitute instruments, money, payment intangibles, negotiable documents, goods, deposit accounts, letters of credit, advices of credit, investment property, certificated securities or chattel paper shall be deemed to be "possession by the secured party," or possession by a purchaser or a person designated by such secured party, for purposes of perfecting the security interest pursuant to the Minnesota Uniform Commercial Code and the Uniform Commercial Code of any other applicable jurisdiction as in effect (including, without limitation, Sections 8-106, 9-313 and 9-106 thereof); and (d) notifications to persons holding such property, and acknowledgments, receipts or confirmations from persons holding such property, shall be deemed notifications to, or acknowledgments, receipts or confirmations from, securities intermediaries, bailees or agents of, or persons holding for (as applicable) the Trustee for the purpose of perfecting such security interest under applicable law. The Company and, at the Company's direction, Residential Funding and the Trustee shall, to the extent consistent with this Agreement, take such reasonable actions as may be necessary to ensure that, if this Agreement were determined to create a security interest in the Mortgage Loans, any Uncertificated REMIC Regular Interests and the other property described above, such security interest would be determined to be a perfected security interest of first priority under applicable law and will be maintained as such throughout the term of this Agreement. Without limiting the generality of the foregoing, the Company shall prepare and deliver to the Trustee not less than 15 days prior to any filing date and, the Trustee shall forward for filing, or shall cause to be forwarded for filing, at the expense of the Company, all filings necessary to maintain the effectiveness of any original filings necessary under the Uniform Commercial Code as in effect in any jurisdiction to perfect the Trustee's security interest in or lien on the Mortgage Loans and any Uncertificated REMIC Regular Interests, as evidenced by an Officers' Certificate of the Company, including without limitation (x) continuation statements, and (y) such other statements as may be occasioned by (1) any change of name of Residential Funding, the Company or the Trustee (such preparation and filing shall be at the expense of the Trustee, if occasioned by a change in the Trustee's name), (2) any change of location of the place of business or the chief executive office of Residential Funding or the Company, (3) any transfer of any interest of Residential Funding or the Company in any Mortgage Loan or (4) any transfer of any interest of Residential Funding or the Company in any Uncertificated REMIC Regular Interest. 35 (g) The Master Servicer hereby acknowledges the receipt by it of the Initial Monthly Payment Fund. The Master Servicer shall hold such Initial Monthly Payment Fund in the Custodial Account and shall include such Initial Monthly Payment Fund in the Available Distribution Amount for the initial Distribution Date. Notwithstanding anything herein to the contrary, the Initial Monthly Payment Fund shall not be an asset of any REMIC. To the extent that the Initial Monthly Payment Fund constitutes a reserve fund for federal income tax purposes, (1) it shall be an outside reserve fund and not an asset of any REMIC, (2) it shall be owned by the Seller and (3) amounts transferred by any REMIC to the Initial Monthly Payment Fund shall be treated as transferred to the Seller or any successor, all within the meaning of Section 1.860G-2(h) of the Treasury Regulations. (h) The Company agrees that the sale of each Pledged Asset Loan pursuant to this Agreement will also constitute the assignment, sale, setting-over, transfer and conveyance to the Trustee, without recourse (but subject to the Company's covenants, representations and warranties specifically provided herein), of all of the Company's obligations and all of the Company's right, title and interest in, to and under, whether now existing or hereafter acquired as owner of the Mortgage Loan with respect to any and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description consisting of, arising from or related to (i) the Assigned Contracts, (ii) all rights, powers and remedies of the Company as owner of such Mortgage Loan under or in connection with the Assigned Contracts, whether arising under the terms of such Assigned Contracts, by statute, at law or in equity, or otherwise arising out of any default by the Mortgagor under or in connection with the Assigned Contracts, including all rights to exercise any election or option or to make any decision or determination or to give or receive any notice, consent, approval or waiver thereunder, (iii) the Pledged Amounts and all money, securities, security entitlements, accounts, general intangibles, payment intangibles, instruments, documents, deposit accounts, certificates of deposit, commodities contracts, and other investment property and other property of whatever kind or description and all cash and non-cash proceeds of the sale, exchange, or redemption of, and all stock or conversion rights, rights to subscribe, liquidation dividends or preferences, stock dividends, rights to interest, dividends, earnings, income, rents, issues, profits, interest payments or other distributions of cash or other property that secures a Pledged Asset Loan, (iv) all documents, books and records concerning the foregoing (including all computer programs, tapes, disks and related items containing any such information) and (v) all insurance proceeds (including proceeds from the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation or any other insurance company) of any of the foregoing or replacements thereof or substitutions therefor, proceeds of proceeds and the conversion, voluntary or involuntary, of any thereof. The foregoing transfer, sale, assignment and conveyance does not constitute and is not intended to result in the creation, or an assumption by the Trustee, of any obligation of the Company, or any other person in connection with the Pledged Assets or under any agreement or instrument relating thereto, including any obligation to the Mortgagor, other than as owner of the Mortgage Loan. Section 2.02. Acceptance by Trustee. The Trustee acknowledges receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 36 2.01(b)(i) above (except that for purposes of such acknowledgement only, a Mortgage Note may be endorsed in blank) and declares that it, or a Custodian as its agent, holds and will hold such documents and the other documents constituting a part of the Mortgage Files delivered to it, or a Custodian as its agent, and the rights of Residential Funding with respect to any Pledged Assets, Additional Collateral and the Surety Bond assigned to the Trustee pursuant to Section 2.01, in trust for the use and benefit of all present and future Certificateholders. The Trustee or Custodian (such Custodian being so obligated under a Custodial Agreement) agrees, for the benefit of Certificateholders, to review each Mortgage File delivered to it pursuant to Section 2.01(b) within 45 days after the Closing Date to ascertain that all required documents (specifically as set forth in Section 2.01(b)), have been executed and received, and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, as supplemented, that have been conveyed to it, and to deliver to the Trustee a certificate (the "Interim Certification") to the effect that all documents required to be delivered pursuant to Section 2.01(b) above have been executed and received and that such documents relate to the Mortgage Loans identified on the Mortgage Loan Schedule, except for any exceptions listed on Schedule A attached to such Interim Certification. Upon delivery of the Mortgage Files by the Company or the Master Servicer, the Trustee shall acknowledge receipt (or, with respect to Mortgage Loans subject to a Custodial Agreement, and based solely upon a receipt or certification executed by the Custodian, receipt by the respective Custodian as the duly appointed agent of the Trustee) of the documents referred to in Section 2.01(c) above. If the Custodian, as the Trustee's agent, finds any document or documents constituting a part of a Mortgage File to be missing or defective, the Trustee shall promptly so notify the Master Servicer and the Company. Pursuant to Section 2.3 of the Custodial Agreement, the Custodian will notify the Master Servicer, the Company and the Trustee of any such omission or defect found by it in respect of any Mortgage File held by it in respect of the items reviewed by it pursuant to the Custodial Agreement. If such omission or defect materially and adversely affects the interests of the Certificateholders, the Master Servicer shall promptly notify the related Subservicer or Seller of such omission or defect and request that such Subservicer or Seller correct or cure such omission or defect within 60 days from the date the Master Servicer was notified of such omission or defect and, if such Subservicer or Seller does not correct or cure such omission or defect within such period, that such Subservicer or Seller purchase such Mortgage Loan from the Trust Fund at its Purchase Price, in either case within 90 days from the date the Master Servicer was notified of such omission or defect; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The Purchase Price for any such Mortgage Loan, whether purchased by the Seller or the Subservicer, shall be deposited or caused to be deposited by the Master Servicer in the Custodial Account maintained by it pursuant to Section 3.07 and, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Seller or its designee or the Subservicer or its designee, as the case may be, any Mortgage Loan released pursuant hereto and thereafter such Mortgage Loan shall not be part of the Trust Fund. In furtherance of the foregoing, if the Subservicer or Seller that repurchases the Mortgage Loan is not a member of MERS and the 37 Mortgage is registered on the MERS(R) System, the Master Servicer, at its own expense and without any right of reimbursement, shall cause MERS to execute and deliver an assignment of the Mortgage in recordable form to transfer the Mortgage from MERS to such Subservicer or Seller and shall cause such Mortgage to be removed from registration on the MERS(R) System in accordance with MERS' rules and regulations. It is understood and agreed that the obligation of the Seller or the Subservicer, as the case may be, to so cure or purchase any Mortgage Loan as to which a material and adverse defect in or omission of a constituent document exists shall constitute the sole remedy respecting such defect or omission available to Certificateholders or the Trustee on behalf of the Certificateholders. Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. (a) The Master Servicer hereby represents and warrants to the Trustee for the benefit of the Certificateholders that: (i) The Master Servicer is a corporation duly organized, validly existing and in good standing under the laws governing its creation and existence and is or will be in compliance with the laws of each state in which any Mortgaged Property is located to the extent necessary to ensure the enforceability of each Mortgage Loan in accordance with the terms of this Agreement; (ii) The execution and delivery of this Agreement by the Master Servicer and its performance and compliance with the terms of this Agreement will not violate the Master Servicer's Certificate of Incorporation or Bylaws or constitute a material default (or an event which, with notice or lapse of time, or both, would constitute a material default) under, or result in the material breach of, any material contract, agreement or other instrument to which the Master Servicer is a party or which may be applicable to the Master Servicer or any of its assets; (iii) This Agreement, assuming due authorization, execution and delivery by the Trustee and the Company, constitutes a valid, legal and binding obligation of the Master Servicer, enforceable against it in accordance with the terms hereof subject to applicable bankruptcy, insolvency, reorganization, moratorium and other laws affecting the enforcement of creditors' rights generally and to general principles of equity, regardless of whether such enforcement is considered in a proceeding in equity or at law; (iv) The Master Servicer is not in default with respect to any order or decree of any court or any order, regulation or demand of any federal, state, municipal or governmental agency, which default might have consequences that would materially and adversely affect the condition (financial or other) or operations of the Master Servicer or its properties or might have consequences that would materially adversely affect its performance hereunder; 38 (v) No litigation is pending or, to the best of the Master Servicer's knowledge, threatened against the Master Servicer which would prohibit its entering into this Agreement or performing its obligations under this Agreement; (vi) The Master Servicer will comply in all material respects in the performance of this Agreement with all reasonable rules and requirements of each insurer under each Required Insurance Policy; (vii) No information, certificate of an officer, statement furnished in writing or report delivered to the Company, any Affiliate of the Company or the Trustee by the Master Servicer will, to the knowledge of the Master Servicer, contain any untrue statement of a material fact or omit a material fact necessary to make the information, certificate, statement or report not misleading; (viii) The Master Servicer has examined each existing, and will examine each new, Subservicing Agreement and is or will be familiar with the terms thereof. The terms of each existing Subservicing Agreement and each designated Subservicer are acceptable to the Master Servicer and any new Subservicing Agreements will comply with the provisions of Section 3.02; and (ix) The Master Servicer is a member of MERS in good standing, and will comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS. It is understood and agreed that the representations and warranties set forth in this Section 2.03(a) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by either the Company, the Master Servicer, the Trustee or any Custodian of a breach of any representation or warranty set forth in this Section 2.03(a) which materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). Within 90 days of its discovery or its receipt of notice of such breach, the Master Servicer shall either (i) cure such breach in all material respects or (ii) to the extent that such breach is with respect to a Mortgage Loan or a related document, purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that if the omission or defect would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure or repurchase must occur within 90 days from the date such breach was discovered. The obligation of the Master Servicer to cure such breach or to so purchase such Mortgage Loan shall constitute the sole remedy in respect of a breach of a representation and warranty set forth in this Section 2.03(a) available to the Certificateholders or the Trustee on behalf of the Certificateholders. (b) Representations and warranties relating to the Mortgage Loans are set forth in Section 2.03(b) of the Series Supplement. 39 Section 2.04. Representations and Warranties of Sellers. The Company, as assignee of Residential Funding under the Assignment Agreement, hereby assigns to the Trustee for the benefit of Certificateholders all of its right, title and interest in respect of the Assignment Agreement and each Seller's Agreement applicable to a Mortgage Loan. Insofar as the Assignment Agreement or the Company's rights under such Seller's Agreement relate to the representations and warranties made by Residential Funding or the related Seller in respect of such Mortgage Loan and any remedies provided thereunder for any breach of such representations and warranties, such right, title and interest may be enforced by the Master Servicer on behalf of the Trustee and the Certificateholders. Upon the discovery by the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties made in a Seller's Agreement that have been assigned to the Trustee pursuant to this Section 2.04 or of a breach of any of the representations and warranties made in the Assignment Agreement (which, for purposes hereof, will be deemed to include any other cause giving rise to a repurchase obligation under the Assignment Agreement) in respect of any Mortgage Loan which materially and adversely affects the interests of the Certificateholders in such Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement). The Master Servicer shall promptly notify the related Seller or Residential Funding, as the case may be, of such breach and request that such Seller or Residential Funding, as the case may be, either (i) cure such breach in all material respects within 90 days from the date the Master Servicer was notified of such breach or (ii) purchase such Mortgage Loan from the Trust Fund at the Purchase Price and in the manner set forth in Section 2.02; provided that in the case of a breach under the Assignment Agreement Residential Funding shall have the option to substitute a Qualified Substitute Mortgage Loan or Loans for such Mortgage Loan if such substitution occurs within two years following the Closing Date; provided that if the breach would cause the Mortgage Loan to be other than a "qualified mortgage" as defined in Section 860G(a)(3) of the Code, any such cure, repurchase or substitution must occur within 90 days from the date the breach was discovered. In the event that Residential Funding elects to substitute a Qualified Substitute Mortgage Loan or Loans for a Deleted Mortgage Loan pursuant to this Section 2.04, Residential Funding shall deliver to the Trustee for the benefit of the Certificateholders with respect to such Qualified Substitute Mortgage Loan or Loans, the original Mortgage Note, the Mortgage, an Assignment of the Mortgage in recordable form, if required pursuant to Section 2.01, and such other documents and agreements as are required by Section 2.01, with the Mortgage Note endorsed as required by Section 2.01. No substitution will be made in any calendar month after the Determination Date for such month. Monthly Payments due with respect to Qualified Substitute Mortgage Loans in the month of substitution shall not be part of the Trust Fund and will be retained by the Master Servicer and remitted by the Master Servicer to Residential Funding on the next succeeding Distribution Date. For the month of substitution, distributions to the Certificateholders will include the Monthly Payment due on a Deleted Mortgage Loan for such month and thereafter Residential Funding shall be entitled to retain all amounts received in respect of such Deleted Mortgage Loan. The Master Servicer shall amend or cause to be amended the Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the Schedule of Discount Fractions, for the benefit of the Certificateholders to reflect the removal of such Deleted Mortgage Loan and the substitution of the Qualified Substitute Mortgage Loan or Loans and the Master Servicer shall deliver the amended Mortgage Loan Schedule, and, if the Deleted Mortgage Loan was a Discount Mortgage Loan, the amended Schedule of Discount Fractions, to the 40 Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing Agreement in all respects, the related Seller shall be deemed to have made the representations and warranties with respect to the Qualified Substitute Mortgage Loan contained in the related Seller's Agreement as of the date of substitution, insofar as Residential Funding's rights in respect of such representations and warranties are assigned to the Company pursuant to the Assignment Agreement, and the Company and the Master Servicer shall be deemed to have made with respect to any Qualified Substitute Mortgage Loan or Loans, as of the date of substitution, the covenants, representations and warranties set forth in this Section 2.04, in Section 2.03 hereof and in Section 4 of the Assignment Agreement, and the Master Servicer shall be obligated to repurchase or substitute for any Qualified Substitute Mortgage Loan as to which a Repurchase Event (as defined in the Assignment Agreement) has occurred pursuant to Section 4 of the Assignment Agreement. In connection with the substitution of one or more Qualified Substitute Mortgage Loans for one or more Deleted Mortgage Loans, the Master Servicer will determine the amount (if any) by which the aggregate principal balance of all such Qualified Substitute Mortgage Loans as of the date of substitution is less than the aggregate Stated Principal Balance of all such Deleted Mortgage Loans (in each case after application of the principal portion of the Monthly Payments due in the month of substitution that are to be distributed to the Certificateholders in the month of substitution). Residential Funding shall deposit the amount of such shortfall into the Custodial Account on the day of substitution, without any reimbursement therefor. Residential Funding shall give notice in writing to the Trustee of such event, which notice shall be accompanied by an Officers' Certificate as to the calculation of such shortfall and (subject to Section 10.01(f)) by an Opinion of Counsel to the effect that such substitution will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) any portion of any REMIC to fail to qualify as such at any time that any Certificate is outstanding. It is understood and agreed that the obligation of the Seller or Residential Funding, as the case may be, to cure such breach or purchase (or in the case of Residential Funding to substitute for) such Mortgage Loan as to which such a breach has occurred and is continuing shall constitute the sole remedy respecting such breach available to the Certificateholders or the Trustee on behalf of Certificateholders. If the Master Servicer is Residential Funding, then the Trustee shall also have the right to give the notification and require the purchase or substitution provided for in the second preceding paragraph in the event of such a breach of a representation or warranty made by Residential Funding in the Assignment Agreement. In connection with the purchase of or substitution for any such Mortgage Loan by Residential Funding, the Trustee shall assign to Residential Funding all of the Trustee's right, title and interest in respect of the Seller's Agreement and the Assignment Agreement applicable to such Mortgage Loan. Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates. As provided in Section 2.05 of the Series Supplement. 41 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee. As provided in Section 2.06 of the Series Supplement. Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II. As provided in Section 2.07 of the Series Supplement. Section 2.08. Purposes and Powers of the Trust. The purpose of the trust, as created hereunder, is to engage in the following activities: (a) to sell the Certificates to the Company in exchange for the Mortgage Loans; (b) to enter into and perform its obligations under this Agreement; (c) to engage in those activities that are necessary, suitable or convenient to accomplish the foregoing or are incidental thereto or connected therewith; and (d) subject to compliance with this Agreement, to engage in such other activities as may be required in connection with conservation of the Trust Fund and the making of distributions to the Certificateholders. The trust is hereby authorized to engage in the foregoing activities. Notwithstanding the provisions of Section 11.01, the trust shall not engage in any activity other than in connection with the foregoing or other than as required or authorized by the terms of this Agreement while any Certificate is outstanding, and this Section 2.08 may not be amended, without the consent of the Certificateholders evidencing a majority of the aggregate Voting Rights of the Certificates. 42 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS Section 3.01. Master Servicer to Act as Servicer. (a) The Master Servicer shall service and administer the Mortgage Loans in accordance with the terms of this Agreement and the respective Mortgage Loans and shall have full power and authority, acting alone or through Subservicers as provided in Section 3.02, to do any and all things which it may deem necessary or desirable in connection with such servicing and administration. Without limiting the generality of the foregoing, the Master Servicer in its own name or in the name of a Subservicer is hereby authorized and empowered by the Trustee when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment, to execute and deliver, on behalf of the Certificateholders and the Trustee or any of them, any and all instruments of satisfaction or cancellation, or of partial or full release or discharge, or of consent to assumption or modification in connection with a proposed conveyance, or of assignment of any Mortgage and Mortgage Note in connection with the repurchase of a Mortgage Loan and all other comparable instruments, or with respect to the modification or re-recording of a Mortgage for the purpose of correcting the Mortgage, the subordination of the lien of the Mortgage in favor of a public utility company or government agency or unit with powers of eminent domain, the taking of a deed in lieu of foreclosure, the commencement, prosecution or completion of judicial or non-judicial foreclosure, the conveyance of a Mortgaged Property to the related Insurer, the acquisition of any property acquired by foreclosure or deed in lieu of foreclosure, or the management, marketing and conveyance of any property acquired by foreclosure or deed in lieu of foreclosure with respect to the Mortgage Loans and with respect to the Mortgaged Properties. The Master Servicer further is authorized and empowered by the Trustee, on behalf of the Certificateholders and the Trustee, in its own name or in the name of the Subservicer, when the Master Servicer or the Subservicer, as the case may be, believes it appropriate in its best judgment to register any Mortgage Loan on the MERS(R) System, or cause the removal from the registration of any Mortgage Loan on the MERS(R) System, to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of assignment and other comparable instruments with respect to such assignment or re-recording of a Mortgage in the name of MERS, solely as nominee for the Trustee and its successors and assigns. Any expenses incurred in connection with the actions described in the preceding sentence shall be borne by the Master Servicer in accordance with Section 3.16(c), with no right of reimbursement; provided, that if, as a result of MERS discontinuing or becoming unable to continue operations in connection with the MERS System, it becomes necessary to remove any Mortgage Loan from registration on the MERS System and to arrange for the assignment of the related Mortgages to the Trustee, then any related expenses shall be reimbursable to the Master Servicer. Notwithstanding the foregoing, subject to Section 3.07(a), the Master Servicer shall not permit any modification with respect to any Mortgage Loan that would both constitute a sale or exchange of such Mortgage Loan within the meaning of Section 1001 of the Code and any proposed, temporary or final regulations promulgated thereunder (other than in connection with a proposed conveyance or assumption of such Mortgage Loan that is treated as a Principal Prepayment in Full pursuant to Section 3.13(d) hereof) and cause any REMIC 43 formed under the Series Supplement to fail to qualify as a REMIC under the Code. The Trustee shall furnish the Master Servicer with any powers of attorney and other documents necessary or appropriate to enable the Master Servicer to service and administer the Mortgage Loans. The Trustee shall not be liable for any action taken by the Master Servicer or any Subservicer pursuant to such powers of attorney. In servicing and administering any Nonsubserviced Mortgage Loan, the Master Servicer shall, to the extent not inconsistent with this Agreement, comply with the Program Guide as if it were the originator of such Mortgage Loan and had retained the servicing rights and obligations in respect thereof. In connection with servicing and administering the Mortgage Loans, the Master Servicer and any Affiliate of the Master Servicer (i) may perform services such as appraisals and brokerage services that are not customarily provided by servicers of mortgage loans, and shall be entitled to reasonable compensation therefor in accordance with Section 3.10 and (ii) may, at its own discretion and on behalf of the Trustee, obtain credit information in the form of a "credit score" from a credit repository. (b) All costs incurred by the Master Servicer or by Subservicers in effecting the timely payment of taxes and assessments on the properties subject to the Mortgage Loans shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the related Mortgage Loans, notwithstanding that the terms of such Mortgage Loan so permit, and such costs shall be recoverable to the extent permitted by Section 3.10(a)(ii). (c) The Master Servicer may enter into one or more agreements in connection with the offering of pass-through certificates evidencing interests in one or more of the Certificates providing for the payment by the Master Servicer of amounts received by the Master Servicer as servicing compensation hereunder and required to cover certain Prepayment Interest Shortfalls on the Mortgage Loans, which payment obligation will thereafter be an obligation of the Master Servicer hereunder. Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (a) The Master Servicer may continue in effect Subservicing Agreements entered into by Residential Funding and Subservicers prior to the execution and delivery of this Agreement, and may enter into new Subservicing Agreements with Subservicers, for the servicing and administration of all or some of the Mortgage Loans. Each Subservicer of a Mortgage Loan shall be entitled to receive and retain, as provided in the related Subservicing Agreement and in Section 3.07, the related Subservicing Fee from payments of interest received on such Mortgage Loan after payment of all amounts required to be remitted to the Master Servicer in respect of such Mortgage Loan. For any Mortgage Loan that is a Nonsubserviced Mortgage Loan, the Master Servicer shall be entitled to receive and retain an amount equal to the Subservicing Fee from payments of interest. Unless the context otherwise requires, references in this Agreement to actions taken or to be taken by the Master Servicer in servicing the Mortgage Loans include actions taken or to be taken by a Subservicer on behalf of the Master Servicer. Each Subservicing Agreement will be upon such terms and conditions as are generally required or permitted by the Program Guide and are not inconsistent with this Agreement and as the Master Servicer and the Subservicer have agreed. A representative form of Subservicing Agreement is attached to this Agreement as Exhibit E. With the approval of the Master Servicer, a Subservicer 44 may delegate its servicing obligations to third-party servicers, but such Subservicer will remain obligated under the related Subservicing Agreement. The Master Servicer and a Subservicer may enter into amendments thereto or a different form of Subservicing Agreement, and the form referred to or included in the Program Guide is merely provided for information and shall not be deemed to limit in any respect the discretion of the Master Servicer to modify or enter into different Subservicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of either this Agreement or the Program Guide in a manner which would materially and adversely affect the interests of the Certificateholders. (b) As part of its servicing activities hereunder, the Master Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best reasonable efforts to enforce the obligations of each Subservicer under the related Subservicing Agreement and of each Seller under the related Seller's Agreement insofar as the Company's rights with respect to Seller's obligation has been assigned to the Trustee hereunder, to the extent that the non-performance of any such Seller's obligation would have a material and adverse effect on a Mortgage Loan, including, without limitation, the obligation to purchase a Mortgage Loan on account of defective documentation, as described in Section 2.02, or on account of a breach of a representation or warranty, as described in Section 2.04. Such enforcement, including, without limitation, the legal prosecution of claims, termination of Subservicing Agreements or Seller's Agreements, as appropriate, and the pursuit of other appropriate remedies, shall be in such form and carried out to such an extent and at such time as the Master Servicer would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. The Master Servicer shall pay the costs of such enforcement at its own expense, and shall be reimbursed therefor only (i) from a general recovery resulting from such enforcement to the extent, if any, that such recovery exceeds all amounts due in respect of the related Mortgage Loan or (ii) from a specific recovery of costs, expenses or attorneys fees against the party against whom such enforcement is directed. For purposes of clarification only, the parties agree that the foregoing is not intended to, and does not, limit the ability of the Master Servicer to be reimbursed for expenses that are incurred in connection with the enforcement of a Seller's obligations (insofar as the Company's rights with respect to such Seller's obligations have been assigned to the Trustee hereunder) and are reimbursable pursuant to Section 3.10(a)(viii). Section 3.03. Successor Subservicers. The Master Servicer shall be entitled to terminate any Subservicing Agreement that may exist in accordance with the terms and conditions of such Subservicing Agreement and without any limitation by virtue of this Agreement; provided, however, that in the event of termination of any Subservicing Agreement by the Master Servicer or the Subservicer, the Master Servicer shall either act as servicer of the related Mortgage Loan or enter into a Subservicing Agreement with a successor Subservicer which will be bound by the terms of the related Subservicing Agreement. If the Master Servicer or any Affiliate of Residential Funding acts as servicer, it will not assume liability for the representations and warranties of the Subservicer which it replaces. If the Master Servicer enters into a Subservicing Agreement with a successor Subservicer, the Master Servicer shall use reasonable efforts to have the successor Subservicer assume liability for the representations and warranties made by the terminated Subservicer in respect of the related Mortgage Loans and, 45 in the event of any such assumption by the successor Subservicer, the Master Servicer may, in the exercise of its business judgment, release the terminated Subservicer from liability for such representations and warranties. Section 3.04. Liability of the Master Servicer. Notwithstanding any Subservicing Agreement, any of the provisions of this Agreement relating to agreements or arrangements between the Master Servicer or a Subservicer or reference to actions taken through a Subservicer or otherwise, the Master Servicer shall remain obligated and liable to the Trustee and the Certificateholders for the servicing and administering of the Mortgage Loans in accordance with the provisions of Section 3.01 without diminution of such obligation or liability by virtue of such Subservicing Agreements or arrangements or by virtue of indemnification from the Subservicer or the Company and to the same extent and under the same terms and conditions as if the Master Servicer alone were servicing and administering the Mortgage Loans. The Master Servicer shall be entitled to enter into any agreement with a Subservicer or Seller for indemnification of the Master Servicer and nothing contained in this Agreement shall be deemed to limit or modify such indemnification. Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. Any Subservicing Agreement that may be entered into and any other transactions or services relating to the Mortgage Loans involving a Subservicer in its capacity as such and not as an originator shall be deemed to be between the Subservicer and the Master Servicer alone and the Trustee and the Certificateholders shall not be deemed parties thereto and shall have no claims, rights, obligations, duties or liabilities with respect to the Subservicer in its capacity as such except as set forth in Section 3.06. The foregoing provision shall not in any way limit a Subservicer's obligation to cure an omission or defect or to repurchase a Mortgage Loan as referred to in Section 2.02 hereof. Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (a) If the Master Servicer shall for any reason no longer be the master servicer (including by reason of an Event of Default), the Trustee, its designee or its successor shall thereupon assume all of the rights and obligations of the Master Servicer under each Subservicing Agreement that may have been entered into. The Trustee, its designee or the successor servicer for the Trustee shall be deemed to have assumed all of the Master Servicer's interest therein and to have replaced the Master Servicer as a party to the Subservicing Agreement to the same extent as if the Subservicing Agreement had been assigned to the assuming party except that the Master Servicer shall not thereby be relieved of any liability or obligations under the Subservicing Agreement. (b) The Master Servicer shall, upon request of the Trustee but at the expense of the Master Servicer, deliver to the assuming party all documents and records relating to each Subservicing Agreement and the Mortgage Loans then being serviced and an accounting of amounts collected and held by it and otherwise use its best efforts to effect the orderly and efficient transfer of each Subservicing Agreement to the assuming party. 46 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account. (a) The Master Servicer shall make reasonable efforts to collect all payments called for under the terms and provisions of the Mortgage Loans, and shall, to the extent such procedures shall be consistent with this Agreement and the terms and provisions of any related Primary Insurance Policy, follow such collection procedures as it would employ in its good faith business judgment and which are normal and usual in its general mortgage servicing activities. Consistent with the foregoing, the Master Servicer may in its discretion (i) waive any late payment charge or any prepayment charge or penalty interest in connection with the prepayment of a Mortgage Loan and (ii) extend the Due Date for payments due on a Mortgage Loan in accordance with the Program Guide; provided, however, that the Master Servicer shall first determine that any such waiver or extension will not impair the coverage of any related Primary Insurance Policy or materially adversely affect the lien of the related Mortgage. In the event of any such arrangement, the Master Servicer shall make timely advances on the related Mortgage Loan during the scheduled period in accordance with the amortization schedule of such Mortgage Loan without modification thereof by reason of such arrangements unless otherwise agreed to by the Holders of the Classes of Certificates affected thereby; provided, however, that no such extension shall be made if any such advance would be a Nonrecoverable Advance. Consistent with the terms of this Agreement, the Master Servicer may also waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor if in the Master Servicer's determination such waiver, modification, postponement or indulgence is not materially adverse to the interests of the Certificateholders (taking into account any estimated Realized Loss that might result absent such action); provided, however, that the Master Servicer may not modify materially or permit any Subservicer to modify any Mortgage Loan, including without limitation any modification that would change the Mortgage Rate, forgive the payment of any principal or interest (unless in connection with the liquidation of the related Mortgage Loan or except in connection with prepayments to the extent that such reamortization is not inconsistent with the terms of the Mortgage Loan), or extend the final maturity date of such Mortgage Loan, unless such Mortgage Loan is in default or, in the judgment of the Master Servicer, such default is reasonably foreseeable; and provided, further, that no such modification shall reduce the interest rate on a Mortgage Loan below the sum of the Pool Strip Rate and the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrues. In connection with any Curtailment of a Mortgage Loan, the Master Servicer, to the extent not inconsistent with the terms of the Mortgage Note and local law and practice, may permit the Mortgage Loan to be reamortized such that the Monthly Payment is recalculated as an amount that will fully amortize the remaining Stated Principal Balance thereof by the original Maturity Date based on the original Mortgage Rate; provided, that such re-amortization shall not be permitted if it would constitute a reissuance of the Mortgage Loan for federal income tax purposes, except if such reissuance is described in Treasury Regulation Section 1.860G-2(b)(3). (b) The Master Servicer shall establish and maintain a Custodial Account in which the Master Servicer shall deposit or cause to be deposited on a daily basis, except as otherwise specifically provided herein, the following payments and collections remitted by Subservicers or received by it in respect of the Mortgage Loans subsequent to the Cut-off Date (other than in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date): 47 (i) All payments on account of principal, including Principal Prepayments made by Mortgagors on the Mortgage Loans and the principal component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (ii) All payments on account of interest at the Adjusted Mortgage Rate on the Mortgage Loans, including Buydown Funds, if any, and the interest component of any Subservicer Advance or of any REO Proceeds received in connection with an REO Property for which an REO Disposition has occurred; (iii)Insurance Proceeds and Liquidation Proceeds (net of any related expenses of the Subservicer); (iv) All proceeds of any Mortgage Loans purchased pursuant to Section 2.02, 2.03, 2.04 or 4.07 and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; (v) Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21; (vi) All amounts transferred from the Certificate Account to the Custodial Account in accordance with Section 4.02(a); (vii)Any amounts realized by the Subservicer and received by the Master Servicer in respect of any Additional Collateral; and (viii) Any amounts received by the Master Servicer in respect of Pledged Assets. The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections in the nature of prepayment charges or late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may elect to treat such amounts as included in the Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received 48 (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. (c) The Master Servicer shall use its best efforts to cause the institution maintaining the Custodial Account to invest the funds in the Custodial Account attributable to the Mortgage Loans in Permitted Investments which shall mature not later than the Certificate Account Deposit Date next following the date of such investment (with the exception of the Amount Held for Future Distribution) and which shall not be sold or disposed of prior to their maturities. All income and gain realized from any such investment shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments attributable to the investment of amounts in respect of the Mortgage Loans shall be deposited in the Custodial Account by the Master Servicer out of its own funds immediately as realized without any right of reimbursement. (d) The Master Servicer shall give notice to the Trustee and the Company of any change in the location of the Custodial Account and the location of the Certificate Account prior to the use thereof. Section 3.08. Subservicing Accounts; Servicing Accounts. (a) In those cases where a Subservicer is servicing a Mortgage Loan pursuant to a Subservicing Agreement, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to establish and maintain one or more Subservicing Accounts which shall be an Eligible Account or, if such account is not an Eligible Account, shall generally satisfy the requirements of the Program Guide and be otherwise acceptable to the Master Servicer and each Rating Agency. The Subservicer will be required thereby to deposit into the Subservicing Account on a daily basis all proceeds of Mortgage Loans received by the Subservicer, less its Subservicing Fees and unreimbursed advances and expenses, to the extent permitted by the Subservicing Agreement. If the Subservicing Account is not an Eligible Account, the Master Servicer shall be deemed to have received such monies upon receipt thereof by the Subservicer. The Subservicer shall not be required to deposit in the Subservicing Account payments or collections in the nature of prepayment charges or late charges or assumption fees. On or before the date specified in the Program Guide, but in no event later than the Determination Date, the Master Servicer shall cause the Subservicer, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account all funds held in the Subservicing Account with respect to each Mortgage Loan serviced by such Subservicer that are required to be remitted to the Master Servicer. The Subservicer will also be required, pursuant to the Subservicing Agreement, to advance on such scheduled date of remittance amounts equal to any scheduled monthly installments of principal and interest less its Subservicing Fees on any Mortgage Loans for which payment was not received by the Subservicer. This obligation to advance with respect to each Mortgage Loan will continue up to and including the first of the month following the date on which the related Mortgaged Property is sold at a foreclosure sale or is acquired by the Trust Fund by deed in lieu of foreclosure or otherwise. All such advances received by the Master Servicer shall be deposited promptly by it in the Custodial Account. 49 (b) The Subservicer may also be required, pursuant to the Subservicing Agreement, to remit to the Master Servicer for deposit in the Custodial Account interest at the Adjusted Mortgage Rate (or Modified Net Mortgage Rate plus the rate per annum at which the Servicing Fee accrues in the case of a Modified Mortgage Loan) on any Curtailment received by such Subservicer in respect of a Mortgage Loan from the related Mortgagor during any month that is to be applied by the Subservicer to reduce the unpaid principal balance of the related Mortgage Loan as of the first day of such month, from the date of application of such Curtailment to the first day of the following month. Any amounts paid by a Subservicer pursuant to the preceding sentence shall be for the benefit of the Master Servicer as additional servicing compensation and shall be subject to its withdrawal or order from time to time pursuant to Sections 3.10(a)(iv) and (v). (c) In addition to the Custodial Account and the Certificate Account, the Master Servicer shall for any Nonsubserviced Mortgage Loan, and shall cause the Subservicers for Subserviced Mortgage Loans to, establish and maintain one or more Servicing Accounts and deposit and retain therein all collections from the Mortgagors (or advances from Subservicers) for the payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items for the account of the Mortgagors. Each Servicing Account shall satisfy the requirements for a Subservicing Account and, to the extent permitted by the Program Guide or as is otherwise acceptable to the Master Servicer, may also function as a Subservicing Account. Withdrawals of amounts related to the Mortgage Loans from the Servicing Accounts may be made only to effect timely payment of taxes, assessments, hazard insurance premiums, Primary Insurance Policy premiums, if applicable, or comparable items, to reimburse the Master Servicer or Subservicer out of related collections for any payments made pursuant to Sections 3.11 (with respect to the Primary Insurance Policy) and 3.12(a) (with respect to hazard insurance), to refund to any Mortgagors any sums as may be determined to be overages, to pay interest, if required, to Mortgagors on balances in the Servicing Account or to clear and terminate the Servicing Account at the termination of this Agreement in accordance with Section 9.01 or in accordance with the Program Guide. As part of its servicing duties, the Master Servicer shall, and the Subservicers will, pursuant to the Subservicing Agreements, be required to pay to the Mortgagors interest on funds in this account to the extent required by law. (d) The Master Servicer shall advance the payments referred to in the preceding subsection that are not timely paid by the Mortgagors or advanced by the Subservicers on the date when the tax, premium or other cost for which such payment is intended is due, but the Master Servicer shall be required so to advance only to the extent that such advances, in the good faith judgment of the Master Servicer, will be recoverable by the Master Servicer out of Insurance Proceeds, Liquidation Proceeds or otherwise. Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. If compliance with this Section 3.09 shall make any Class of Certificates legal for investment by federally insured savings and loan associations, the Master Servicer shall provide, or cause the Subservicers to provide, to the Trustee, the Office of Thrift Supervision or the FDIC and the supervisory agents and examiners thereof access to the documentation regarding the Mortgage Loans required by applicable regulations of the Office of Thrift Supervision, such access being afforded without charge but only upon reasonable 50 request and during normal business hours at the offices designated by the Master Servicer. The Master Servicer shall permit such representatives to photocopy any such documentation and shall provide equipment for that purpose at a charge reasonably approximating the cost of such photocopying to the Master Servicer. Section 3.10. Permitted Withdrawals from the Custodial Account. (a) The Master Servicer may, from time to time as provided herein, make withdrawals from the Custodial Account of amounts on deposit therein pursuant to Section 3.07 that are attributable to the Mortgage Loans for the following purposes: (i) to make deposits into the Certificate Account in the amounts and in the manner provided for in Section 4.01; (ii) to reimburse itself or the related Subservicer for previously unreimbursed advances or expenses made pursuant to Sections 3.01, 3.07(a), 3.08, 3.11, 3.12(a), 3.14 and 4.04 or otherwise reimbursable pursuant to the terms of this Agreement, such withdrawal right being limited to amounts received on particular Mortgage Loans (including, for this purpose, REO Proceeds, Insurance Proceeds, Liquidation Proceeds and proceeds from the purchase of a Mortgage Loan pursuant to Section 2.02, 2.03, 2.04 or 4.07) which represent (A) Late Collections of Monthly Payments for which any such advance was made in the case of Subservicer Advances or Advances pursuant to Section 4.04 and (B) recoveries of amounts in respect of which such advances were made in the case of Servicing Advances; (iii)to pay to itself or the related Subservicer (if not previously retained by such Subservicer) out of each payment received by the Master Servicer on account of interest on a Mortgage Loan as contemplated by Sections 3.14 and 3.16, an amount equal to that remaining portion of any such payment as to interest (but not in excess of the Servicing Fee and the Subservicing Fee, if not previously retained) which, when deducted, will result in the remaining amount of such interest being interest at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) on the amount specified in the amortization schedule of the related Mortgage Loan as the principal balance thereof at the beginning of the period respecting which such interest was paid after giving effect to any previous Curtailments; (iv) to pay to itself as additional servicing compensation any interest or investment income earned on funds and other property deposited in or credited to the Custodial Account that it is entitled to withdraw pursuant to Section 3.07(c); (v) to pay to itself as additional servicing compensation any Foreclosure Profits, any amounts remitted by Subservicers as interest in respect of Curtailments pursuant to Section 3.08(b), and any amounts paid by a Mortgagor in connection with a Principal Prepayment in Full in respect of interest for any period during the calendar month in which such Principal Prepayment in Full is to be distributed to the Certificateholders; 51 (vi) to pay to itself, a Subservicer, a Seller, Residential Funding, the Company or any other appropriate Person, as the case may be, with respect to each Mortgage Loan or property acquired in respect thereof that has been purchased or otherwise transferred pursuant to Section 2.02, 2.03, 2.04, 4.07 or 9.01, all amounts received thereon and not required to be distributed to the Certificateholders as of the date on which the related Stated Principal Balance or Purchase Price is determined; (vii) to reimburse itself or the related Subservicer for any Nonrecoverable Advance or Advances in the manner and to the extent provided in subsection (c) below, any Advance made in connection with a modification of a Mortgage Loan that is in default or, in the judgment of the Master Servicer, default is reasonably foreseeable pursuant to Section 3.07(a), to the extent the amount of the Advance has been added to the outstanding principal balance of the Mortgage Loan, or any Advance reimbursable to the Master Servicer pursuant to Section 4.02(a); (viii) to reimburse itself or the Company for expenses incurred by and reimbursable to it or the Company pursuant to Sections 3.01(a), 3.11, 3.13, 3.14(c), 6.03, 10.01 or otherwise, or in connection with enforcing, in accordance with this Agreement, any repurchase, substitution or indemnification obligation of any Seller (other than an Affiliate of the Company) pursuant to the related Seller's Agreement; (ix) to reimburse itself for Servicing Advances expended by it (a) pursuant to Section 3.14 in good faith in connection with the restoration of property damaged by an Uninsured Cause, and (b) in connection with the liquidation of a Mortgage Loan or disposition of an REO Property to the extent not otherwise reimbursed pursuant to clause (ii) or (viii) above; and (x) to withdraw any amount deposited in the Custodial Account that was not required to be deposited therein pursuant to Section 3.07. (b) Since, in connection with withdrawals pursuant to clauses (ii), (iii), (v) and (vi), the Master Servicer's entitlement thereto is limited to collections or other recoveries on the related Mortgage Loan, the Master Servicer shall keep and maintain separate accounting, on a Mortgage Loan by Mortgage Loan basis, for the purpose of justifying any withdrawal from the Custodial Account pursuant to such clauses. (c) The Master Servicer shall be entitled to reimburse itself or the related Subservicer for any advance made in respect of a Mortgage Loan that the Master Servicer determines to be a Nonrecoverable Advance by withdrawal from the Custodial Account of amounts on deposit therein attributable to the Mortgage Loans on any Certificate Account Deposit Date succeeding the date of such determination. Such right of reimbursement in respect of a Nonrecoverable Advance on any such Certificate Account Deposit Date shall be limited to an amount not exceeding the portion of such advance previously paid to Certificateholders (and not theretofore reimbursed to the Master Servicer or the related Subservicer). 52 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (a) The Master Servicer shall not take, or permit any Subservicer to take, any action which would result in non-coverage under any applicable Primary Insurance Policy of any loss which, but for the actions of the Master Servicer or Subservicer, would have been covered thereunder. To the extent coverage is available, the Master Servicer shall keep or cause to be kept in full force and effect each such Primary Insurance Policy until the principal balance of the related Mortgage Loan secured by a Mortgaged Property is reduced to 80% or less of the Appraised Value in the case of such a Mortgage Loan having a Loan-to-Value Ratio at origination in excess of 80%, provided that such Primary Insurance Policy was in place as of the Cut-off Date and the Company had knowledge of such Primary Insurance Policy. The Master Servicer shall be entitled to cancel or permit the discontinuation of any Primary Insurance Policy as to any Mortgage Loan, if the Stated Principal Balance of the Mortgage Loan is reduced below an amount equal to 80% of the appraised value of the related Mortgaged Property as determined in any appraisal thereof after the Closing Date, or if the Loan-to-Value Ratio is reduced below 80% as a result of principal payments on the Mortgage Loan after the Closing Date. In the event that the Company gains knowledge that as of the Closing Date, a Mortgage Loan had a Loan-to-Value Ratio at origination in excess of 80% and is not the subject of a Primary Insurance Policy (and was not included in any exception to the representation in Section 2.03(b)(iv)) and that such Mortgage Loan has a current Loan-to-Value Ratio in excess of 80% then the Master Servicer shall use its reasonable efforts to obtain and maintain a Primary Insurance Policy to the extent that such a policy is obtainable at a reasonable price. The Master Servicer shall not cancel or refuse to renew any such Primary Insurance Policy applicable to a Nonsubserviced Mortgage Loan, or consent to any Subservicer canceling or refusing to renew any such Primary Insurance Policy applicable to a Mortgage Loan subserviced by it, that is in effect at the date of the initial issuance of the Certificates and is required to be kept in force hereunder unless the replacement Primary Insurance Policy for such canceled or non-renewed policy is maintained with an insurer whose claims-paying ability is acceptable to each Rating Agency for mortgage pass-through certificates having a rating equal to or better than the lower of the then-current rating or the rating assigned to the Certificates as of the Closing Date by such Rating Agency. (b) In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present or to cause the related Subservicer to present, on behalf of the Master Servicer, the Subservicer, if any, the Trustee and Certificateholders, claims to the related Insurer under any Primary Insurance Policies, in a timely manner in accordance with such policies, and, in this regard, to take or cause to be taken such reasonable action as shall be necessary to permit recovery under any Primary Insurance Policies respecting defaulted Mortgage Loans. Pursuant to Section 3.07, any Insurance Proceeds collected by or remitted to the Master Servicer under any Primary Insurance Policies shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (a) The Master Servicer shall cause to be maintained for each Mortgage Loan (other than a Cooperative Loan) fire insurance with extended coverage in an amount which is equal to the lesser of the principal balance owing on such Mortgage Loan or 100 percent of the insurable value of the improvements; 53 provided, however, that such coverage may not be less than the minimum amount required to fully compensate for any loss or damage on a replacement cost basis. To the extent it may do so without breaching the related Subservicing Agreement, the Master Servicer shall replace any Subservicer that does not cause such insurance, to the extent it is available, to be maintained. The Master Servicer shall also cause to be maintained on property acquired upon foreclosure, or deed in lieu of foreclosure, of any Mortgage Loan (other than a Cooperative Loan), fire insurance with extended coverage in an amount which is at least equal to the amount necessary to avoid the application of any co-insurance clause contained in the related hazard insurance policy. Pursuant to Section 3.07, any amounts collected by the Master Servicer under any such policies (other than amounts to be applied to the restoration or repair of the related Mortgaged Property or property thus acquired or amounts released to the Mortgagor in accordance with the Master Servicer's normal servicing procedures) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any cost incurred by the Master Servicer in maintaining any such insurance shall not, for the purpose of calculating monthly distributions to the Certificateholders, be added to the amount owing under the Mortgage Loan, notwithstanding that the terms of the Mortgage Loan so permit. Such costs shall be recoverable by the Master Servicer out of related late payments by the Mortgagor or out of Insurance Proceeds and Liquidation Proceeds to the extent permitted by Section 3.10. It is understood and agreed that no earthquake or other additional insurance is to be required of any Mortgagor or maintained on property acquired in respect of a Mortgage Loan other than pursuant to such applicable laws and regulations as shall at any time be in force and as shall require such additional insurance. Whenever the improvements securing a Mortgage Loan (other than a Cooperative Loan) are located at the time of origination of such Mortgage Loan in a federally designated special flood hazard area, the Master Servicer shall cause flood insurance (to the extent available) to be maintained in respect thereof. Such flood insurance shall be in an amount equal to the lesser of (i) the amount required to compensate for any loss or damage to the Mortgaged Property on a replacement cost basis and (ii) the maximum amount of such insurance available for the related Mortgaged Property under the national flood insurance program (assuming that the area in which such Mortgaged Property is located is participating in such program). If the Master Servicer shall obtain and maintain a blanket fire insurance policy with extended coverage insuring against hazard losses on all of the Mortgage Loans, it shall conclusively be deemed to have satisfied its obligations as set forth in the first sentence of this Section 3.12(a), it being understood and agreed that such policy may contain a deductible clause, in which case the Master Servicer shall, in the event that there shall not have been maintained on the related Mortgaged Property a policy complying with the first sentence of this Section 3.12(a) and there shall have been a loss which would have been covered by such policy, deposit in the Certificate Account the amount not otherwise payable under the blanket policy because of such deductible clause. Any such deposit by the Master Servicer shall be made on the Certificate Account Deposit Date next preceding the Distribution Date which occurs in the month following the month in which payments under any such policy would have been deposited in the Custodial Account. In connection with its activities as administrator and servicer of the Mortgage Loans, the Master Servicer agrees to present, on behalf of itself, the Trustee and the Certificateholders, claims under any such blanket policy. 54 (b) The Master Servicer shall obtain and maintain at its own expense and keep in full force and effect throughout the term of this Agreement a blanket fidelity bond and an errors and omissions insurance policy covering the Master Servicer's officers and employees and other persons acting on behalf of the Master Servicer in connection with its activities under this Agreement. The amount of coverage shall be at least equal to the coverage that would be required by Fannie Mae or Freddie Mac, whichever is greater, with respect to the Master Servicer if the Master Servicer were servicing and administering the Mortgage Loans for Fannie Mae or Freddie Mac. In the event that any such bond or policy ceases to be in effect, the Master Servicer shall obtain a comparable replacement bond or policy from an issuer or insurer, as the case may be, meeting the requirements, if any, of the Program Guide and acceptable to the Company. Coverage of the Master Servicer under a policy or bond obtained by an Affiliate of the Master Servicer and providing the coverage required by this Section 3.12(b) shall satisfy the requirements of this Section 3.12(b). Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (a) When any Mortgaged Property is conveyed by the Mortgagor, the Master Servicer or Subservicer, to the extent it has knowledge of such conveyance, shall enforce any due-on-sale clause contained in any Mortgage Note or Mortgage, to the extent permitted under applicable law and governmental regulations, but only to the extent that such enforcement will not adversely affect or jeopardize coverage under any Required Insurance Policy. Notwithstanding the foregoing: (i) the Master Servicer shall not be deemed to be in default under this Section 3.13(a) by reason of any transfer or assumption which the Master Servicer is restricted by law from preventing; and (ii) if the Master Servicer determines that it is reasonably likely that any Mortgagor will bring, or if any Mortgagor does bring, legal action to declare invalid or otherwise avoid enforcement of a due-on-sale clause contained in any Mortgage Note or Mortgage, the Master Servicer shall not be required to enforce the due-on-sale clause or to contest such action. (b) Subject to the Master Servicer's duty to enforce any due-on-sale clause to the extent set forth in Section 3.13(a), in any case in which a Mortgaged Property is to be conveyed to a Person by a Mortgagor, and such Person is to enter into an assumption or modification agreement or supplement to the Mortgage Note or Mortgage which requires the signature of the Trustee, or if an instrument of release signed by the Trustee is required releasing the Mortgagor from liability on the Mortgage Loan, the Master Servicer is authorized, subject to the requirements of the sentence next following, to execute and deliver, on behalf of the Trustee, the assumption agreement with the Person to whom the Mortgaged Property is to be conveyed and such modification agreement or supplement to the Mortgage Note or Mortgage or other instruments as are reasonable or necessary to carry out the terms of the Mortgage Note or Mortgage or otherwise to comply with any applicable laws regarding assumptions or the transfer of the Mortgaged Property to such Person; provided, however, none of such terms and requirements shall either (i) both (A) constitute a "significant 55 modification" effecting an exchange or reissuance of such Mortgage Loan under the REMIC Provisions and (B) cause any portion of any REMIC formed under the Series Supplement to fail to qualify as a REMIC under the Code or (subject to Section 10.01(f)), result in the imposition of any tax on "prohibited transactions" or (ii) constitute "contributions" after the start-up date under the REMIC Provisions. The Master Servicer shall execute and deliver such documents only if it reasonably determines that (i) its execution and delivery thereof will not conflict with or violate any terms of this Agreement or cause the unpaid balance and interest on the Mortgage Loan to be uncollectible in whole or in part, (ii) any required consents of insurers under any Required Insurance Policies have been obtained and (iii) subsequent to the closing of the transaction involving the assumption or transfer (A) the Mortgage Loan will continue to be secured by a first mortgage lien pursuant to the terms of the Mortgage, (B) such transaction will not adversely affect the coverage under any Required Insurance Policies, (C) the Mortgage Loan will fully amortize over the remaining term thereof, (D) no material term of the Mortgage Loan (including the interest rate on the Mortgage Loan) will be altered nor will the term of the Mortgage Loan be changed and (E) if the seller/transferor of the Mortgaged Property is to be released from liability on the Mortgage Loan, such release will not (based on the Master Servicer's or Subservicer's good faith determination) adversely affect the collectability of the Mortgage Loan. Upon receipt of appropriate instructions from the Master Servicer in accordance with the foregoing, the Trustee shall execute any necessary instruments for such assumption or substitution of liability as directed in writing by the Master Servicer. Upon the closing of the transactions contemplated by such documents, the Master Servicer shall cause the originals or true and correct copies of the assumption agreement, the release (if any), or the modification or supplement to the Mortgage Note or Mortgage to be delivered to the Trustee or the Custodian and deposited with the Mortgage File for such Mortgage Loan. Any fee collected by the Master Servicer or such related Subservicer for entering into an assumption or substitution of liability agreement will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (c) The Master Servicer or the related Subservicer, as the case may be, shall be entitled to approve a request from a Mortgagor for a partial release of the related Mortgaged Property, the granting of an easement thereon in favor of another Person, any alteration or demolition of the related Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) without any right of reimbursement or other similar matters if it has determined, exercising its good faith business judgment in the same manner as it would if it were the owner of the related Mortgage Loan, that the security for, and the timely and full collectability of, such Mortgage Loan would not be adversely affected thereby and that any portion of any REMIC formed under the Series Supplement would not fail to continue to qualify as a REMIC under the Code as a result thereof and (subject to Section 10.01(f)) that no tax on "prohibited transactions" or "contributions" after the startup day would be imposed on any such REMIC as a result thereof. Any fee collected by the Master Servicer or the related Subservicer for processing such a request will be retained by the Master Servicer or such Subservicer as additional servicing compensation. (d) Subject to any other applicable terms and conditions of this Agreement, the Trustee and Master Servicer shall be entitled to approve an assignment in lieu of satisfaction with respect to any Mortgage Loan, provided the obligee with respect to such Mortgage Loan following such proposed assignment provides the Trustee and Master Servicer with a "Lender Certification for Assignment of Mortgage Loan" in the form attached hereto as Exhibit M, in form and substance 56 satisfactory to the Trustee and Master Servicer, providing the following: (i) that the substance of the assignment is, and is intended to be, a refinancing of such Mortgage; (ii) that the Mortgage Loan following the proposed assignment will have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iii) that such assignment is at the request of the borrower under the related Mortgage Loan. Upon approval of an assignment in lieu of satisfaction with respect to any Mortgage Loan, the Master Servicer shall receive cash in an amount equal to the unpaid principal balance of and accrued interest on such Mortgage Loan and the Master Servicer shall treat such amount as a Principal Prepayment in Full with respect to such Mortgage Loan for all purposes hereof. Section 3.14. Realization Upon Defaulted Mortgage Loans. (a) The Master Servicer shall foreclose upon or otherwise comparably convert (which may include an REO Acquisition) the ownership of properties securing such of the Mortgage Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07. In connection with such foreclosure or other conversion, the Master Servicer shall, consistent with Section 3.11, follow such practices and procedures as it shall deem necessary or advisable, as shall be normal and usual in its general mortgage servicing activities and as shall be required or permitted by the Program Guide; provided that the Master Servicer shall not be liable in any respect hereunder if the Master Servicer is acting in connection with any such foreclosure or other conversion in a manner that is consistent with the provisions of this Agreement. The Master Servicer, however, shall not be required to expend its own funds or incur other reimbursable charges in connection with any foreclosure, or attempted foreclosure which is not completed, or towards the restoration of any property unless it shall determine (i) that such restoration and/or foreclosure will increase the proceeds of liquidation of the Mortgage Loan to Holders of Certificates of one or more Classes after reimbursement to itself for such expenses or charges and (ii) that such expenses or charges will be recoverable to it through Liquidation Proceeds, Insurance Proceeds, or REO Proceeds (respecting which it shall have priority for purposes of withdrawals from the Custodial Account pursuant to Section 3.10, whether or not such expenses and charges are actually recoverable from related Liquidation Proceeds, Insurance Proceeds or REO Proceeds). In the event of such a determination by the Master Servicer pursuant to this Section 3.14(a), the Master Servicer shall be entitled to reimbursement of such amounts pursuant to Section 3.10. In addition to the foregoing, the Master Servicer shall use its best reasonable efforts to realize upon any Additional Collateral for such of the Additional Collateral Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Additional Collateral as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Additional Collateral in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Additional Collateral against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Additional Collateral (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing 57 loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Additional Collateral) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Additional Collateral shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. For so long as the Master Servicer is the Master Servicer under the Credit Support Pledge Agreement, the Master Servicer shall perform its obligations under the Credit Support Pledge Agreement in accordance with such Agreement and in a manner that is in the best interests of the Certificateholders. Further, the Master Servicer shall use its best reasonable efforts to realize upon any Pledged Assets for such of the Pledged Asset Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Pledged Assets as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Pledged Assets in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Pledged Assets against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Pledged Assets (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Pledged Assets) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Pledged Assets shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. Concurrently with the foregoing, the Master Servicer may pursue any remedies that may be available in connection with a breach of a representation and warranty with respect to any such Mortgage Loan in accordance with Sections 2.03 and 2.04. However, the Master Servicer is not required to continue to pursue both foreclosure (or similar remedies) with respect to the Mortgage Loans and remedies in connection with a breach of a representation and warranty if the Master Servicer determines in its reasonable discretion that one such remedy is more likely to result in a greater recovery as to the Mortgage Loan. Upon the occurrence of a Cash Liquidation or REO Disposition, following the deposit in the Custodial Account of all Insurance Proceeds, Liquidation Proceeds and other payments and recoveries referred to in the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Master Servicer or its designee, as the case may be, the related Mortgage Loan, and thereafter 58 such Mortgage Loan shall not be part of the Trust Fund. Notwithstanding the foregoing or any other provision of this Agreement, in the Master Servicer's sole discretion with respect to any defaulted Mortgage Loan or REO Property as to either of the following provisions, (i) a Cash Liquidation or REO Disposition may be deemed to have occurred if substantially all amounts expected by the Master Servicer to be received in connection with the related defaulted Mortgage Loan or REO Property have been received, and (ii) for purposes of determining the amount of any Liquidation Proceeds, Insurance Proceeds, REO Proceeds or any other unscheduled collections or the amount of any Realized Loss, the Master Servicer may take into account minimal amounts of additional receipts expected to be received or any estimated additional liquidation expenses expected to be incurred in connection with the related defaulted Mortgage Loan or REO Property. (b) If title to any Mortgaged Property is acquired by the Trust Fund as an REO Property by foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be issued to the Trustee or to its nominee on behalf of Certificateholders. Notwithstanding any such acquisition of title and cancellation of the related Mortgage Loan, such REO Property shall (except as otherwise expressly provided herein) be considered to be an Outstanding Mortgage Loan held in the Trust Fund until such time as the REO Property shall be sold. Consistent with the foregoing for purposes of all calculations hereunder so long as such REO Property shall be considered to be an Outstanding Mortgage Loan it shall be assumed that, notwithstanding that the indebtedness evidenced by the related Mortgage Note shall have been discharged, such Mortgage Note and the related amortization schedule in effect at the time of any such acquisition of title (after giving effect to any previous Curtailments and before any adjustment thereto by reason of any bankruptcy or similar proceeding or any moratorium or similar waiver or grace period) remain in effect. (c) If the Trust Fund acquires any REO Property as aforesaid or otherwise in connection with a default or imminent default on a Mortgage Loan, the Master Servicer on behalf of the Trust Fund shall dispose of such REO Property as soon as practicable, giving due consideration to the interests of the Certificateholders, but in all cases within three full years after the taxable year of its acquisition by the Trust Fund for purposes of Section 860G(a)(8) of the Code (or such shorter period as may be necessary under applicable state (including any state in which such property is located) law to maintain the status of any portion of any REMIC formed under the Series Supplement as a REMIC under applicable state law and avoid taxes resulting from such property failing to be foreclosure property under applicable state law) or, at the expense of the Trust Fund, request, more than 60 days before the day on which such grace period would otherwise expire, an extension of such grace period unless the Master Servicer (subject to Section 10.01(f)) obtains for the Trustee an Opinion of Counsel, addressed to the Trustee and the Master Servicer, to the effect that the holding by the Trust Fund of such REO Property subsequent to such period will not result in the imposition of taxes on "prohibited transactions" as defined in Section 860F of the Code or cause any REMIC formed under the Series Supplement to fail to qualify as a REMIC (for federal (or any applicable State or local) income tax purposes) at any time that any Certificates are outstanding, in which case the Trust Fund may continue to hold such REO Property (subject to any conditions contained in such Opinion of Counsel). The Master Servicer shall be entitled to be reimbursed from the Custodial Account for any costs incurred in obtaining such Opinion of Counsel, as provided in Section 3.10. Notwithstanding any other provision of this Agreement, no REO Property 59 acquired by the Trust Fund shall be rented (or allowed to continue to be rented) or otherwise used by or on behalf of the Trust Fund in such a manner or pursuant to any terms that would (i) cause such REO Property to fail to qualify as "foreclosure property" within the meaning of Section 860G(a)(8) of the Code or (ii) subject the Trust Fund to the imposition of any federal income taxes on the income earned from such REO Property, including any taxes imposed by reason of Section 860G(c) of the Code, unless the Master Servicer has agreed to indemnify and hold harmless the Trust Fund with respect to the imposition of any such taxes. (d) The proceeds of any Cash Liquidation, REO Disposition or purchase or repurchase of any Mortgage Loan pursuant to the terms of this Agreement, as well as any recovery resulting from a collection of Liquidation Proceeds, Insurance Proceeds or REO Proceeds, will be applied in the following order of priority: first, to reimburse the Master Servicer or the related Subservicer in accordance with Section 3.10(a)(ii); second, to the Certificateholders to the extent of accrued and unpaid interest on the Mortgage Loan, and any related REO Imputed Interest, at the Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan) to the Due Date prior to the Distribution Date on which such amounts are to be distributed; third, to the Certificateholders as a recovery of principal on the Mortgage Loan (or REO Property)(provided that, if such recovery is of an amount previously allocated to one or more Classes of Certificates as a Realized Loss, such recovery shall be allocated among such Classes in the same proportions as the allocation of such Realized Losses and, if any such Class of Certificates to which such Realized Loss was allocated is no longer outstanding, such subsequent recovery shall be distributed to the persons who were the Holders of such Class of Certificates when it was retired); fourth, to all Servicing Fees and Subservicing Fees payable therefrom (and the Master Servicer and the Subservicer shall have no claims for any deficiencies with respect to such fees which result from the foregoing allocation); and fifth, to Foreclosure Profits. (e) In the event of a default on a Mortgage Loan one or more of whose obligors is not a United States Person, in connection with any foreclosure or acquisition of a deed in lieu of foreclosure (together, "foreclosure") in respect of such Mortgage Loan, the Master Servicer will cause compliance with the provisions of Treasury Regulation Section 1.1445-2(d)(3) (or any successor thereto) necessary to assure that no withholding tax obligation arises with respect to the proceeds of such foreclosure except to the extent, if any, that proceeds of such foreclosure are required to be remitted to the obligors on such Mortgage Loan. Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Trustee (if it holds the related Mortgage File) or the Custodian by a certification of a Servicing Officer (which certification shall include a statement to the effect that all amounts received or to be received in connection with such payment which are required to be deposited in the Custodial Account pursuant to Section 3.07 have been or will be so deposited), substantially in one of the forms attached hereto as Exhibit F, or, in the case of the Custodian, an electronic request in a form acceptable to the Custodian, requesting delivery to it of the Mortgage File. Within two Business Days of receipt of such certification and request, the Trustee shall release, or cause the Custodian to release, the related Mortgage File to the Master Servicer. The 60 Master Servicer is authorized to execute and deliver to the Mortgagor the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, together with the Mortgage Note with, as appropriate, written evidence of cancellation thereon and to cause the removal from the registration on the MERS(R) System of such Mortgage and to execute and deliver, on behalf of the Trustee and the Certificateholders or any of them, any and all instruments of satisfaction or cancellation or of partial or full release. No expenses incurred in connection with any instrument of satisfaction or deed of reconveyance shall be chargeable to the Custodial Account or the Certificate Account. (b) From time to time as is appropriate for the servicing or foreclosure of any Mortgage Loan, the Master Servicer shall deliver to the Custodian, with a copy to the Trustee, a certificate of a Servicing Officer substantially in one of the forms attached as Exhibit F hereto, or, in the case of the Custodian, an electronic request in a form acceptable to the Custodian, requesting that possession of all, or any document constituting part of, the Mortgage File be released to the Master Servicer and certifying as to the reason for such release and that such release will not invalidate any insurance coverage provided in respect of the Mortgage Loan under any Required Insurance Policy. Upon receipt of the foregoing, the Trustee shall deliver, or cause the Custodian to deliver, the Mortgage File or any document therein to the Master Servicer. The Master Servicer shall cause each Mortgage File or any document therein so released to be returned to the Trustee, or the Custodian as agent for the Trustee when the need therefor by the Master Servicer no longer exists, unless (i) the Mortgage Loan has been liquidated and the Liquidation Proceeds relating to the Mortgage Loan have been deposited in the Custodial Account or (ii) the Mortgage File or such document has been delivered directly or through a Subservicer to an attorney, or to a public trustee or other public official as required by law, for purposes of initiating or pursuing legal action or other proceedings for the foreclosure of the Mortgaged Property either judicially or non-judicially, and the Master Servicer has delivered directly or through a Subservicer to the Trustee a certificate of a Servicing Officer certifying as to the name and address of the Person to which such Mortgage File or such document was delivered and the purpose or purposes of such delivery. In the event of the liquidation of a Mortgage Loan, the Trustee shall deliver the Request for Release with respect thereto to the Master Servicer upon deposit of the related Liquidation Proceeds in the Custodial Account. (c) The Trustee or the Master Servicer on the Trustee's behalf shall execute and deliver to the Master Servicer, if necessary, any court pleadings, requests for trustee's sale or other documents necessary to the foreclosure or trustee's sale in respect of a Mortgaged Property or to any legal action brought to obtain judgment against any Mortgagor on the Mortgage Note or Mortgage or to obtain a deficiency judgment, or to enforce any other remedies or rights provided by the Mortgage Note or Mortgage or otherwise available at law or in equity. Together with such documents or pleadings (if signed by the Trustee), the Master Servicer shall deliver to the Trustee a certificate of a Servicing Officer requesting that such pleadings or documents be executed by the Trustee and certifying as to the reason such documents or pleadings are required and that the execution and delivery thereof by the Trustee will not invalidate any insurance coverage under any Required Insurance Policy or invalidate or otherwise affect the lien of the Mortgage, except for the termination of such a lien upon completion of the foreclosure or trustee's sale. 61 Section 3.16. Servicing and Other Compensation; Compensating Interest. (a) The Master Servicer, as compensation for its activities hereunder, shall be entitled to receive on each Distribution Date the amounts provided for by clauses (iii), (iv), (v) and (vi) of Section 3.10(a), subject to clause (e) below. The amount of servicing compensation provided for in such clauses shall be accounted for on a Mortgage Loan-by-Mortgage Loan basis. In the event that Liquidation Proceeds, Insurance Proceeds and REO Proceeds (net of amounts reimbursable therefrom pursuant to Section 3.10(a)(ii)) in respect of a Cash Liquidation or REO Disposition exceed the unpaid principal balance of such Mortgage Loan plus unpaid interest accrued thereon (including REO Imputed Interest) at a per annum rate equal to the related Net Mortgage Rate (or the Modified Net Mortgage Rate in the case of a Modified Mortgage Loan), the Master Servicer shall be entitled to retain therefrom and to pay to itself and/or the related Subservicer, any Foreclosure Profits and any Servicing Fee or Subservicing Fee considered to be accrued but unpaid. (b) Additional servicing compensation in the form of prepayment charges, assumption fees, late payment charges, investment income on amounts in the Custodial Account or the Certificate Account or otherwise shall be retained by the Master Servicer or the Subservicer to the extent provided herein, subject to clause (e) below. (c) The Master Servicer shall be required to pay, or cause to be paid, all expenses incurred by it in connection with its servicing activities hereunder (including payment of premiums for the Primary Insurance Policies, if any, to the extent such premiums are not required to be paid by the related Mortgagors, and the fees and expenses of the Trustee and any Custodian) and shall not be entitled to reimbursement therefor except as specifically provided in Sections 3.10 and 3.14. (d) The Master Servicer's right to receive servicing compensation may not be transferred in whole or in part except in connection with the transfer of all of its responsibilities and obligations of the Master Servicer under this Agreement. (e) Notwithstanding any other provision herein, the amount of servicing compensation that the Master Servicer shall be entitled to receive for its activities hereunder for the period ending on each Distribution Date shall be reduced (but not below zero) by an amount equal to Compensating Interest (if any) for such Distribution Date. Such reduction shall be applied during such period as follows: first, to any Servicing Fee or Subservicing Fee to which the Master Servicer is entitled pursuant to Section 3.10(a)(iii), and second, to any income or gain realized from any investment of funds held in the Custodial Account or the Certificate Account to which the Master Servicer is entitled pursuant to Sections 3.07(c) or 4.01(b), respectively. In making such reduction, the Master Servicer (i) will not withdraw from the Custodial Account any such amount representing all or a portion of the Servicing Fee to which it is entitled pursuant to Section 3.10(a)(iii), and (ii) will not withdraw from the Custodial Account or Certificate Account any such amount to which it is entitled pursuant to Section 3.07(c) or 4.01(b). 62 Section 3.17. Reports to the Trustee and the Company. Not later than fifteen days after each Distribution Date, the Master Servicer shall forward to the Trustee and the Company a statement, certified by a Servicing Officer, setting forth the status of the Custodial Account as of the close of business on such Distribution Date as it relates to the Mortgage Loans and showing, for the period covered by such statement, the aggregate of deposits in or withdrawals from the Custodial Account in respect of the Mortgage Loans for each category of deposit specified in Section 3.07 and each category of withdrawal specified in Section 3.10. Section 3.18. Annual Statement as to Compliance. The Master Servicer will deliver to the Company, the Trustee and any Certificate Insurer on or before March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, an Officers' Certificate stating, as to each signer thereof, that (i) a review of the activities of the Master Servicer during the preceding calendar year related to its servicing of mortgage loans and its performance under pooling and servicing agreements, including this Agreement, has been made under such officers' supervision, (ii) to the best of such officers' knowledge, based on such review, the Master Servicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations relating to this Agreement in all material respects throughout such year, or, if there has been material noncompliance with such servicing standards or a default in the fulfillment in all material respects of any such obligation relating to this Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof and (iii) to the best of such officers' knowledge, each Subservicer has complied in all material respects with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers and has fulfilled all of its material obligations under its Subservicing Agreement in all material respects throughout such year, or, if there has been material noncompliance with such servicing standards or a material default in the fulfillment of such obligations relating to this Agreement, such statement shall include a description of such noncompliance or specify each such default, as the case may be, known to such officer and the nature and status thereof. Section 3.19. Annual Independent Public Accountants' Servicing Report. On or before March 31 of each year, beginning with the first March 31 that occurs at least six months after the Cut-off Date, the Master Servicer at its expense shall cause a firm of independent public accountants, which shall be members of the American Institute of Certified Public Accountants, to furnish a report to the Company and the Trustee stating its opinion that, on the basis of an examination conducted by such firm substantially in accordance with standards established by the American Institute of Certified Public Accountants, the assertions made pursuant to Section 3.18 regarding compliance with the minimum servicing standards set forth in the Uniform Single Attestation Program for Mortgage Bankers during the preceding calendar year are fairly stated in all material respects, subject to such exceptions and other qualifications that, in the opinion of such firm, such accounting standards require it to report. In rendering such statement, such firm may rely, as to matters relating to the direct servicing of mortgage loans by Subservicers, upon comparable statements 63 for examinations conducted by independent public accountants substantially in accordance with standards established by the American Institute of Certified Public Accountants (rendered within one year of such statement) with respect to such Subservicers. Section 3.20. Rights of the Company in Respect of the Master Servicer. The Master Servicer shall afford the Company, upon reasonable notice, during normal business hours access to all records maintained by the Master Servicer in respect of its rights and obligations hereunder and access to officers of the Master Servicer responsible for such obligations. Upon request, the Master Servicer shall furnish the Company with its most recent financial statements and such other information as the Master Servicer possesses regarding its business, affairs, property and condition, financial or otherwise. The Master Servicer shall also cooperate with all reasonable requests for information including, but not limited to, notices, tapes and copies of files, regarding itself, the Mortgage Loans or the Certificates from any Person or Persons identified by the Company or Residential Funding. The Company may, but is not obligated to, enforce the obligations of the Master Servicer hereunder and may, but is not obligated to, perform, or cause a designee to perform, any defaulted obligation of the Master Servicer hereunder or exercise the rights of the Master Servicer hereunder; provided that the Master Servicer shall not be relieved of any of its obligations hereunder by virtue of such performance by the Company or its designee. The Company shall not have any responsibility or liability for any action or failure to act by the Master Servicer and is not obligated to supervise the performance of the Master Servicer under this Agreement or otherwise. Section 3.21. Administration of Buydown Funds (a) With respect to any Buydown Mortgage Loan, the Subservicer has deposited Buydown Funds in an account that satisfies the requirements for a Subservicing Account (the "Buydown Account"). The Master Servicer shall cause the Subservicing Agreement to require that upon receipt from the Mortgagor of the amount due on a Due Date for each Buydown Mortgage Loan, the Subservicer will withdraw from the Buydown Account the predetermined amount that, when added to the amount due on such date from the Mortgagor, equals the full Monthly Payment and transmit that amount in accordance with the terms of the Subservicing Agreement to the Master Servicer together with the related payment made by the Mortgagor or advanced by the Subservicer. (b) If the Mortgagor on a Buydown Mortgage Loan prepays such loan in its entirety during the period (the "Buydown Period") when Buydown Funds are required to be applied to such Buydown Mortgage Loan, the Subservicer shall be required to withdraw from the Buydown Account and remit any Buydown Funds remaining in the Buydown Account in accordance with the related buydown agreement. The amount of Buydown Funds which may be remitted in accordance with the related buydown agreement may reduce the amount required to be paid by the Mortgagor to fully prepay the related Mortgage Loan. If the Mortgagor on a Buydown Mortgage Loan defaults on such Mortgage Loan during the Buydown Period and the property securing such Buydown Mortgage Loan is sold in the liquidation thereof (either by the Master Servicer or the insurer under any related Primary Insurance Policy), the Subservicer shall be required to withdraw from the Buydown Account the Buydown Funds for such Buydown Mortgage Loan still held in 64 the Buydown Account and remit the same to the Master Servicer in accordance with the terms of the Subservicing Agreement for deposit in the Custodial Account or, if instructed by the Master Servicer, pay to the insurer under any related Primary Insurance Policy if the Mortgaged Property is transferred to such insurer and such insurer pays all of the loss incurred in respect of such default. Any amount so remitted pursuant to the preceding sentence will be deemed to reduce the amount owed on the Mortgage Loan. 65 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (a) The Master Servicer on behalf of the Trustee shall establish and maintain a Certificate Account in which the Master Servicer shall cause to be deposited on behalf of the Trustee on or before 2:00 P.M. New York time on each Certificate Account Deposit Date by wire transfer of immediately available funds an amount equal to the sum of (i) any Advance for the immediately succeeding Distribution Date, (ii) any amount required to be deposited in the Certificate Account pursuant to Section 3.12(a), (iii) any amount required to be deposited in the Certificate Account pursuant to Section 3.16(e) or Section 4.07, (iv) any amount required to be paid pursuant to Section 9.01 and (v) all other amounts constituting the Available Distribution Amount for the immediately succeeding Distribution Date. (b) The Trustee shall, upon written request from the Master Servicer, invest or cause the institution maintaining the Certificate Account to invest the funds in the Certificate Account in Permitted Investments designated in the name of the Trustee for the benefit of the Certificateholders, which shall mature or be payable on demand not later than the Business Day next preceding the Distribution Date next following the date of such investment (except that (i) any investment in the institution with which the Certificate Account is maintained may mature or be payable on demand on such Distribution Date and (ii) any other investment may mature or be payable on demand on such Distribution Date if the Trustee shall advance funds on such Distribution Date to the Certificate Account in the amount payable on such investment on such Distribution Date, pending receipt thereof to the extent necessary to make distributions on the Certificates) and shall not be sold or disposed of prior to maturity. Subject to Section 3.16(e), all income and gain realized from any such investment shall be for the benefit of the Master Servicer and shall be subject to its withdrawal or order from time to time. The amount of any losses incurred in respect of any such investments shall be deposited in the Certificate Account by the Master Servicer out of its own funds immediately as realized without any right of reimbursement. Section 4.02. Distributions. As provided in Section 4.02 of the Series Supplement. Section 4.03. Statements to Certificateholders. (a) Concurrently with each distribution charged to the Certificate Account and with respect to each Distribution Date the Master Servicer shall forward to the Trustee and the Trustee shall either forward by mail or make available to each Holder and the Company, via the Trustee's internet website, a statement (and at its option, any additional files containing the same information in an alternative format) setting forth information as to each Class of Certificates, the Mortgage Pool and, if the Mortgage Pool is comprised of two or more Loan Groups, each Loan Group, to the extent applicable. This statement will include the information set forth in an exhibit to the Series Supplement. Such exhibit 66 shall set forth the Trustee's internet website address together with a phone number. The Trustee shall mail to each Holder that requests a paper copy by telephone a paper copy via first class mail. The Trustee may modify the distribution procedures set forth in this Section provided that such procedures are no less convenient for the Certificateholders. The Trustee shall provide prior notification to the Company, the Master Servicer and the Certificateholders regarding any such modification. In addition, the Master Servicer shall provide to any manager of a trust fund consisting of some or all of the Certificates, upon reasonable request, such additional information as is reasonably obtainable by the Master Servicer at no additional expense to the Master Servicer. (b) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Certificate, other than a Class R Certificate, a statement containing the information set forth in clauses (i) and (ii) of the exhibit to the Series Supplement referred to in subsection (a) above aggregated for such calendar year or applicable portion thereof during which such Person was a Certificateholder. Such obligation of the Master Servicer shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Master Servicer pursuant to any requirements of the Code. (c) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Class R Certificate, a statement containing the applicable distribution information provided pursuant to this Section 4.03 aggregated for such calendar year or applicable portion thereof during which such Person was the Holder of a Class R Certificate. Such obligation of the Master Servicer shall be deemed to have been satisfied to the extent that substantially comparable information shall be provided by the Master Servicer pursuant to any requirements of the Code. (d) Upon the written request of any Certificateholder, the Master Servicer, as soon as reasonably practicable, shall provide the requesting Certificateholder with such information as is necessary and appropriate, in the Master Servicer's sole discretion, for purposes of satisfying applicable reporting requirements under Rule 144A. Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer. (a) Prior to the close of business on the Determination Date, the Master Servicer shall furnish a written statement to the Trustee, any Certificate Insurer, any Paying Agent and the Company (the information in such statement to be made available to Certificateholders by the Master Servicer on request) setting forth (i) the Available Distribution Amount and (ii) the amounts required to be withdrawn from the Custodial Account and deposited into the Certificate Account on the immediately succeeding Certificate Account Deposit Date pursuant to clause (iii) of Section 4.01(a). The determination by the Master Servicer of such amounts shall, in the absence of obvious error, be presumptively deemed to be correct for all purposes hereunder and the Trustee shall be protected in relying upon the same without any independent check or verification. 67 (b) On or before 2:00 P.M. New York time on each Certificate Account Deposit Date, the Master Servicer shall either (i) deposit in the Certificate Account from its own funds, or funds received therefor from the Subservicers, an amount equal to the Advances to be made by the Master Servicer in respect of the related Distribution Date, which shall be in an aggregate amount equal to the aggregate amount of Monthly Payments (with each interest portion thereof adjusted to the Net Mortgage Rate), less the amount of any related Servicing Modifications, Debt Service Reductions or reductions in the amount of interest collectable from the Mortgagor pursuant to the Soldiers' and Sailors' Civil Relief Act of 1940, as amended, or similar legislation or regulations then in effect, on the Outstanding Mortgage Loans as of the related Due Date, which Monthly Payments were delinquent as of the close of business as of the related Determination Date; provided that no Advance shall be made if it would be a Nonrecoverable Advance, (ii) withdraw from amounts on deposit in the Custodial Account and deposit in the Certificate Account all or a portion of the Amount Held for Future Distribution in discharge of any such Advance, or (iii) make advances in the form of any combination of (i) and (ii) aggregating the amount of such Advance. Any portion of the Amount Held for Future Distribution so used shall be replaced by the Master Servicer by deposit in the Certificate Account on or before 11:00 A.M. New York time on any future Certificate Account Deposit Date to the extent that funds attributable to the Mortgage Loans that are available in the Custodial Account for deposit in the Certificate Account on such Certificate Account Deposit Date shall be less than payments to Certificateholders required to be made on the following Distribution Date. The Master Servicer shall be entitled to use any Advance made by a Subservicer as described in Section 3.07(b) that has been deposited in the Custodial Account on or before such Distribution Date as part of the Advance made by the Master Servicer pursuant to this Section 4.04. The amount of any reimbursement pursuant to Section 4.02(a) in respect of outstanding Advances on any Distribution Date shall be allocated to specific Monthly Payments due but delinquent for previous Due Periods, which allocation shall be made, to the extent practicable, to Monthly Payments which have been delinquent for the longest period of time. Such allocations shall be conclusive for purposes of reimbursement to the Master Servicer from recoveries on related Mortgage Loans pursuant to Section 3.10. The determination by the Master Servicer that it has made a Nonrecoverable Advance or that any proposed Advance, if made, would constitute a Nonrecoverable Advance, shall be evidenced by an Officers' Certificate of the Master Servicer delivered to the Company and the Trustee. If the Master Servicer determines as of the Business Day preceding any Certificate Account Deposit Date that it will be unable to deposit in the Certificate Account an amount equal to the Advance required to be made for the immediately succeeding Distribution Date, it shall give notice to the Trustee of its inability to advance (such notice may be given by telecopy), not later than 3:00 P.M., New York time, on such Business Day, specifying the portion of such amount that it will be unable to deposit. Not later than 3:00 P.M., New York time, on the Certificate Account Deposit Date the Trustee shall, unless by 12:00 Noon, New York time, on such day the Trustee shall have been notified in writing (by telecopy) that the Master Servicer shall have directly or indirectly deposited in the Certificate Account such portion of the amount of the Advance as to which the Master Servicer shall have given notice pursuant to the preceding sentence, pursuant to Section 7.01, (a) terminate all of the rights and obligations of the Master Servicer under this Agreement in accordance with 68 Section 7.01 and (b) assume the rights and obligations of the Master Servicer hereunder, including the obligation to deposit in the Certificate Account an amount equal to the Advance for the immediately succeeding Distribution Date. The Trustee shall deposit all funds it receives pursuant to this Section 4.04 into the Certificate Account. Section 4.05. Allocation of Realized Losses. As provided in Section 4.05 of the Series Supplement. Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. The Master Servicer or the Subservicers shall file information returns with respect to the receipt of mortgage interests received in a trade or business, the reports of foreclosures and abandonments of any Mortgaged Property and the information returns relating to cancellation of indebtedness income with respect to any Mortgaged Property required by Sections 6050H, 6050J and 6050P, respectively, of the Code, and deliver to the Trustee an Officers' Certificate on or before March 31 of each year stating that such reports have been filed. Such reports shall be in form and substance sufficient to meet the reporting requirements imposed by Sections 6050H, 6050J and 6050P of the Code. Section 4.07. Optional Purchase of Defaulted Mortgage Loans. As to any Mortgage Loan which is delinquent in payment by 90 days or more, the Master Servicer may, at its option, purchase such Mortgage Loan from the Trustee at the Purchase Price therefor. If at any time the Master Servicer makes a payment to the Certificate Account covering the amount of the Purchase Price for such a Mortgage Loan, and the Master Servicer provides to the Trustee a certification signed by a Servicing Officer stating that the amount of such payment has been deposited in the Certificate Account, then the Trustee shall execute the assignment of such Mortgage Loan at the request of the Master Servicer without recourse to the Master Servicer, which shall succeed to all the Trustee's right, title and interest in and to such Mortgage Loan, and all security and documents relative thereto. Such assignment shall be an assignment outright and not for security. The Master Servicer will thereupon own such Mortgage, and all such security and documents, free of any further obligation to the Trustee or the Certificateholders with respect thereto. If, however, the Master Servicer shall have exercised its right to repurchase a Mortgage Loan pursuant to this Section 4.07 upon the written request of and with funds provided by the Junior Certificateholder and thereupon transferred such Mortgage Loan to the Junior Certificateholder, the Master Servicer shall so notify the Trustee in writing. Section 4.08. Surety Bond. (a) If a Required Surety Payment is payable pursuant to the Surety Bond with respect to any Additional Collateral Loan, the Master Servicer shall so notify the Trustee as soon as reasonably practicable and the Trustee shall promptly complete the notice in the form of Attachment 1 to the Surety Bond and shall promptly submit such notice to the Surety as a claim for a Required Surety. The 69 Master Servicer shall upon request assist the Trustee in completing such notice and shall provide any information requested by the Trustee in connection therewith. (b) Upon receipt of a Required Surety Payment from the Surety on behalf of the Holders of Certificates, the Trustee shall deposit such Required Surety Payment in the Certificate Account and shall distribute such Required Surety Payment, or the proceeds thereof, in accordance with the provisions of Section 4.02. (c) The Trustee shall (i) receive as attorney-in-fact of each Holder of a Certificate any Required Surety Payment from the Surety and (ii) disburse the same to the Holders of such Certificates as set forth in Section 4.02. 70 ARTICLE V THE CERTIFICATES Section 5.01. The Certificates. (a) The Senior, Class M, Class B and Class R Certificates shall be substantially in the forms set forth in Exhibits A, B, C and D, respectively, and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery to or upon the order of the Company upon receipt by the Trustee or one or more Custodians of the documents specified in Section 2.01. The Certificates shall be issuable in the minimum denominations designated in the Preliminary Statement to the Series Supplement. The Certificates shall be executed by manual or facsimile signature on behalf of an authorized officer of the Trustee. Certificates bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Trustee shall bind the Trustee, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Certificate or did not hold such offices at the date of such Certificates. No Certificate shall be entitled to any benefit under this Agreement, or be valid for any purpose, unless there appears on such Certificate a certificate of authentication substantially in the form provided for herein executed by the Certificate Registrar by manual signature, and such certificate upon any Certificate shall be conclusive evidence, and the only evidence, that such Certificate has been duly authenticated and delivered hereunder. All Certificates shall be dated the date of their authentication. (b) Except as provided below, registration of Book-Entry Certificates may not be transferred by the Trustee except to another Depository that agrees to hold such Certificates for the respective Certificate Owners with Ownership Interests therein. The Holders of the Book-Entry Certificates shall hold their respective Ownership Interests in and to each of such Certificates through the book-entry facilities of the Depository and, except as provided below, shall not be entitled to Definitive Certificates in respect of such Ownership Interests. All transfers by Certificate Owners of their respective Ownership Interests in the Book-Entry Certificates shall be made in accordance with the procedures established by the Depository Participant or brokerage firm representing such Certificate Owner. Each Depository Participant shall transfer the Ownership Interests only in the Book-Entry Certificates of Certificate Owners it represents or of brokerage firms for which it acts as agent in accordance with the Depository's normal procedures. The Trustee, the Master Servicer and the Company may for all purposes (including the making of payments due on the respective Classes of Book-Entry Certificates) deal with the Depository as the authorized representative of the Certificate Owners with respect to the respective Classes of Book-Entry Certificates for the purposes of exercising the rights of Certificateholders hereunder. The rights of Certificate Owners with respect to the respective Classes of Book-Entry Certificates shall be limited to those established by law 71 and agreements between such Certificate Owners and the Depository Participants and brokerage firms representing such Certificate Owners. Multiple requests and directions from, and votes of, the Depository as Holder of any Class of Book-Entry Certificates with respect to any particular matter shall not be deemed inconsistent if they are made with respect to different Certificate Owners. The Trustee may establish a reasonable record date in connection with solicitations of consents from or voting by Certificateholders and shall give notice to the Depository of such record date. If (i)(A) the Company advises the Trustee in writing that the Depository is no longer willing or able to properly discharge its responsibilities as Depository and (B) the Company is unable to locate a qualified successor or (ii) the Company at its option advises the Trustee in writing that it elects to terminate the book-entry system through the Depository, the Trustee shall notify all Certificate Owners, through the Depository, of the occurrence of any such event and of the availability of Definitive Certificates to Certificate Owners requesting the same. Upon surrender to the Trustee of the Book-Entry Certificates by the Depository, accompanied by registration instructions from the Depository for registration of transfer, the Trustee shall issue the Definitive Certificates. Neither the Company, the Master Servicer nor the Trustee shall be liable for any actions taken by the Depository or its nominee, including, without limitation, any delay in delivery of such instructions and may conclusively rely on, and shall be protected in relying on, such instructions. Upon the issuance of Definitive Certificates all references herein to obligations imposed upon or to be performed by the Company in connection with the issuance of the Definitive Certificates pursuant to this Section 5.01 shall be deemed to be imposed upon and performed by the Trustee, and the Trustee and the Master Servicer shall recognize the Holders of the Definitive Certificates as Certificateholders hereunder. (c) From time to time Residential Funding, as the initial Holder of the Class A-V Certificates, may exchange such Holder's Class A-V Certificates for Subclasses of Class A-V Certificates to be issued under this Agreement by delivering a "Request for Exchange" substantially in the form attached hereto as Exhibit N executed by an authorized officer, which Subclasses, in the aggregate, will represent the Uncertificated Class A-V REMIC Regular Interests corresponding to the Class A-V Certificates so surrendered for exchange. Any Subclass so issued shall bear a numerical designation commencing with Class A-V-1 and continuing sequentially thereafter, and will evidence ownership of the Uncertificated REMIC Regular Interest or Interests specified in writing by such initial Holder to the Trustee. The Trustee may conclusively, without any independent verification, rely on, and shall be protected in relying on, Residential Funding's determinations of the Uncertificated Class A-V REMIC Regular Interests corresponding to any Subclass, the Initial Notional Amount and the initial Pass-Through Rate on a Subclass as set forth in such Request for Exchange and the Trustee shall have no duty to determine if any Uncertificated Class A-V REMIC Regular Interest designated on a Request for Exchange corresponds to a Subclass which has previously been issued. Each Subclass so issued shall be substantially in the form set forth in Exhibit A and shall, on original issue, be executed and delivered by the Trustee to the Certificate Registrar for authentication and delivery in accordance with Section 5.01(a). Every Certificate presented or surrendered for exchange by the initial Holder shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer attached to such Certificate and shall be completed to the satisfaction of the Trustee and the Certificate Registrar duly executed by, the initial Holder thereof or his attorney duly authorized in writing. The Certificates of any Subclass of Class A-V Certificates may be transferred in whole, but not in part, in accordance with the provisions of Section 5.02. 72 Section 5.02. Registration of Transfer and Exchange of Certificates. (a) The Trustee shall cause to be kept at one of the offices or agencies to be appointed by the Trustee in accordance with the provisions of Section 8.12 a Certificate Register in which, subject to such reasonable regulations as it may prescribe, the Trustee shall provide for the registration of Certificates and of transfers and exchanges of Certificates as herein provided. The Trustee is initially appointed Certificate Registrar for the purpose of registering Certificates and transfers and exchanges of Certificates as herein provided. The Certificate Registrar, or the Trustee, shall provide the Master Servicer with a certified list of Certificateholders as of each Record Date prior to the related Determination Date. (b) Upon surrender for registration of transfer of any Certificate at any office or agency of the Trustee maintained for such purpose pursuant to Section 8.12 and, in the case of any Class M, Class B or Class R Certificate, upon satisfaction of the conditions set forth below, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in the name of the designated transferee or transferees, one or more new Certificates of a like Class (or Subclass) and aggregate Percentage Interest. (c) At the option of the Certificateholders, Certificates may be exchanged for other Certificates of authorized denominations of a like Class (or Subclass) and aggregate Percentage Interest, upon surrender of the Certificates to be exchanged at any such office or agency. Whenever any Certificates are so surrendered for exchange the Trustee shall execute and the Certificate Registrar shall authenticate and deliver the Certificates of such Class which the Certificateholder making the exchange is entitled to receive. Every Certificate presented or surrendered for transfer or exchange shall (if so required by the Trustee or the Certificate Registrar) be duly endorsed by, or be accompanied by a written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by, the Holder thereof or his attorney duly authorized in writing. (d) No transfer, sale, pledge or other disposition of a Class B Certificate shall be made unless such transfer, sale, pledge or other disposition is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that a transfer of a Class B Certificate is to be made either (i)(A) the Trustee shall require a written Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee and the Company that such transfer may be made pursuant to an exemption, describing the applicable exemption and the basis therefor, from said Act and laws or is being made pursuant to said Act and laws, which Opinion of Counsel shall not be an expense of the Trustee, the Company or the Master Servicer (except that, if such transfer is made by the Company or the Master Servicer or any Affiliate thereof, the Company or the Master Servicer shall provide such Opinion of Counsel at their own expense); provided that such Opinion of Counsel will not be required in connection with the initial transfer of any such Certificate by the Company or any Affiliate thereof to the Company or an Affiliate of the Company and (B) the Trustee shall require the transferee to execute a representation letter, substantially in the form of Exhibit H hereto, and the Trustee shall require the transferor to execute a representation letter, substantially in the form of 73 Exhibit I hereto, each acceptable to and in form and substance satisfactory to the Company and the Trustee certifying to the Company and the Trustee the facts surrounding such transfer, which representation letters shall not be an expense of the Trustee, the Company or the Master Servicer; provided, however, that such representation letters will not be required in connection with any transfer of any such Certificate by the Company or any Affiliate thereof to the Company or an Affiliate of the Company, and the Trustee shall be entitled to conclusively rely upon a representation (which, upon the request of the Trustee, shall be a written representation) from the Company, of the status of such transferee as an Affiliate of the Company or (ii) the prospective transferee of such a Certificate shall be required to provide the Trustee, the Company and the Master Servicer with an investment letter substantially in the form of Exhibit J attached hereto (or such other form as the Company in its sole discretion deems acceptable), which investment letter shall not be an expense of the Trustee, the Company or the Master Servicer, and which investment letter states that, among other things, such transferee (A) is a "qualified institutional buyer" as defined under Rule 144A, acting for its own account or the accounts of other "qualified institutional buyers" as defined under Rule 144A, and (B) is aware that the proposed transferor intends to rely on the exemption from registration requirements under the Securities Act of 1933, as amended, provided by Rule 144A. The Holder of any such Certificate desiring to effect any such transfer, sale, pledge or other disposition shall, and does hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the Certificate Registrar against any liability that may result if the transfer, sale, pledge or other disposition is not so exempt or is not made in accordance with such federal and state laws. (e) (i) In the case of any Class B or Class R Certificate presented for registration in the name of any Person, either (A) the Trustee shall require an Opinion of Counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer to the effect that the purchase or holding of such Class B or Class R Certificate is permissible under applicable law, will not constitute or result in any non-exempt prohibited transaction under Section 406 of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Code (or comparable provisions of any subsequent enactments), and will not subject the Trustee, the Company or the Master Servicer to any obligation or liability (including obligations or liabilities under ERISA or Section 4975 of the Code) in addition to those undertaken in this Agreement, which Opinion of Counsel shall not be an expense of the Trustee, the Company or the Master Servicer or (B) the prospective Transferee shall be required to provide the Trustee, the Company and the Master Servicer with a certification to the effect set forth in paragraph six of Exhibit H (with respect to any Class B Certificate) or paragraph fourteen of Exhibit G-1 (with respect to any Class R Certificate), which the Trustee may rely upon without further inquiry or investigation, or such other certifications as the Trustee may deem desirable or necessary in order to establish that such Transferee or the Person in whose name such registration is requested either (a) is not an employee benefit plan or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code, or any Person (including an investment manager, a named fiduciary or a trustee of any such plan) who is using "plan assets" of any such plan to effect such acquisition (each, a "Plan Investor") or (b) in the case of any Class B Certificate, the following conditions are satisfied: (i) such Transferee is an insurance company, (ii) the source of funds used to purchase or hold such Certificate (or interest therein) is an "insurance company general account" (as defined in U.S. 74 Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60, and (iii) the conditions set forth in Sections I and III of PTCE 95-60 have been satisfied (each entity that satisfies this clause (b), a "Complying Insurance Company"). (ii) Any Transferee of a Class M Certificate will be deemed to have represented by virtue of its purchase or holding of such Certificate (or interest therein) that either (a) such Transferee is not a Plan Investor, (b) it has acquired and is holding such Certificate in reliance on Prohibited Transaction Exemption ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE 97-34, 62 Fed. Reg. 39021 (July 21, 1997), and PTE 2000-58, 65 Fed. Reg. 67765 (November 13, 2000) (the "RFC Exemption"), and that it understands that there are certain conditions to the availability of the RFC Exemption including that such Certificate must be rated, at the time of purchase, not lower than "BBB-" (or its equivalent) by Standard & Poor's, Fitch or Moody's or (c) such Transferee is a Complying Insurance Company. (iii) (A) If any Class M Certificate (or any interest therein) is acquired or held by any Person that does not satisfy the conditions described in paragraph (ii) above, then the last preceding Transferee that either (i) is not a Plan Investor, (ii) acquired such Certificate in compliance with the RFC Exemption, or (iii) is a Complying Insurance Company shall be restored, to the extent permitted by law, to all rights and obligations as Certificate Owner thereof retroactive to the date of such Transfer of such Class M Certificate. The Trustee shall be under no liability to any Person for making any payments due on such Certificate to such preceding Transferee. (B) Any purported Certificate Owner whose acquisition or holding of any Class M Certificate (or interest therein) was effected in violation of the restrictions in this Section 5.02(e) shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. (f) (i) Each Person who has or who acquires any Ownership Interest in a Class R Certificate shall be deemed by the acceptance or acquisition of such Ownership Interest to have agreed to be bound by the following provisions and to have irrevocably authorized the Trustee or its designee under clause (iii)(A) below to deliver payments to a Person other than such Person and to negotiate the terms of any mandatory sale under clause (iii)(B) below and to execute all instruments of transfer and to do all other things necessary in connection with any such sale. The rights of each Person acquiring any Ownership Interest in a Class R Certificate are expressly subject to the following provisions: (A) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall be a Permitted Transferee and shall promptly notify the Trustee of any change or impending change in its status as a Permitted Transferee. 75 (B) In connection with any proposed Transfer of any Ownership Interest in a Class R Certificate, the Trustee shall require delivery to it, and shall not register the Transfer of any Class R Certificate until its receipt of, (I) an affidavit and agreement (a "Transfer Affidavit and Agreement," in the form attached hereto as Exhibit G-1) from the proposed Transferee, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that it is a Permitted Transferee, that it is not acquiring its Ownership Interest in the Class R Certificate that is the subject of the proposed Transfer as a nominee, trustee or agent for any Person who is not a Permitted Transferee, that for so long as it retains its Ownership Interest in a Class R Certificate, it will endeavor to remain a Permitted Transferee, and that it has reviewed the provisions of this Section 5.02(f) and agrees to be bound by them, and (II) a certificate, in the form attached hereto as Exhibit G-2, from the Holder wishing to transfer the Class R Certificate, in form and substance satisfactory to the Master Servicer, representing and warranting, among other things, that no purpose of the proposed Transfer is to impede the assessment or collection of tax. (C) Notwithstanding the delivery of a Transfer Affidavit and Agreement by a proposed Transferee under clause (B) above, if a Responsible Officer of the Trustee who is assigned to this Agreement has actual knowledge that the proposed Transferee is not a Permitted Transferee, no Transfer of an Ownership Interest in a Class R Certificate to such proposed Transferee shall be effected. (D) Each Person holding or acquiring any Ownership Interest in a Class R Certificate shall agree (x) to require a Transfer Affidavit and Agreement from any other Person to whom such Person attempts to transfer its Ownership Interest in a Class R Certificate and (y) not to transfer its Ownership Interest unless it provides a certificate to the Trustee in the form attached hereto as Exhibit G-2. (E) Each Person holding or acquiring an Ownership Interest in a Class R Certificate, by purchasing an Ownership Interest in such Certificate, agrees to give the Trustee written notice that it is a "pass-through interest holder" within the meaning of Temporary Treasury Regulations Section 1.67-3T(a)(2)(i)(A) immediately upon acquiring an Ownership Interest in a Class R Certificate, if it is, or is holding an Ownership Interest in a Class R Certificate on behalf of, a "pass-through interest holder." (ii) The Trustee will register the Transfer of any Class R Certificate only if it shall have received the Transfer Affidavit and Agreement, a certificate of the Holder requesting such transfer in the form attached hereto as Exhibit G-2 and all of such other documents as shall have been reasonably required by the Trustee as a condition to such registration. Transfers of the Class R Certificates to Non-United States Persons and Disqualified Organizations (as defined in Section 860E(e)(5) of the Code) are prohibited. 76 (iii)(A) If any Disqualified Organization shall become a holder of a Class R Certificate, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a Non-United States Person shall become a holder of a Class R Certificate, then the last preceding United States Person shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. If a transfer of a Class R Certificate is disregarded pursuant to the provisions of Treasury Regulations Section 1.860E-1 or Section 1.860G-3, then the last preceding Permitted Transferee shall be restored, to the extent permitted by law, to all rights and obligations as Holder thereof retroactive to the date of registration of such Transfer of such Class R Certificate. The Trustee shall be under no liability to any Person for any registration of Transfer of a Class R Certificate that is in fact not permitted by this Section 5.02(f) or for making any payments due on such Certificate to the holder thereof or for taking any other action with respect to such holder under the provisions of this Agreement. (B) If any purported Transferee shall become a Holder of a Class R Certificate in violation of the restrictions in this Section 5.02(f) and to the extent that the retroactive restoration of the rights of the Holder of such Class R Certificate as described in clause (iii)(A) above shall be invalid, illegal or unenforceable, then the Master Servicer shall have the right, without notice to the holder or any prior holder of such Class R Certificate, to sell such Class R Certificate to a purchaser selected by the Master Servicer on such terms as the Master Servicer may choose. Such purported Transferee shall promptly endorse and deliver each Class R Certificate in accordance with the instructions of the Master Servicer. Such purchaser may be the Master Servicer itself or any Affiliate of the Master Servicer. The proceeds of such sale, net of the commissions (which may include commissions payable to the Master Servicer or its Affiliates), expenses and taxes due, if any, will be remitted by the Master Servicer to such purported Transferee. The terms and conditions of any sale under this clause (iii)(B) shall be determined in the sole discretion of the Master Servicer, and the Master Servicer shall not be liable to any Person having an Ownership Interest in a Class R Certificate as a result of its exercise of such discretion. (iv) The Master Servicer, on behalf of the Trustee, shall make available, upon written request from the Trustee, all information necessary to compute any tax imposed (A) as a result of the Transfer of an Ownership Interest in a Class R Certificate to any Person who is a Disqualified Organization, including the information regarding "excess inclusions" of such Class R Certificates required to be provided to the Internal Revenue Service and certain Persons as described in Treasury Regulations Sections 1.860D-1(b)(5) and 1.860E-2(a)(5), and (B) as a result of any regulated investment company, real estate investment trust, common trust fund, partnership, trust, estate or organization described in Section 1381 of the Code that holds an Ownership Interest in a Class R Certificate having as among its record holders at any time any Person who is a Disqualified 77 Organization. Reasonable compensation for providing such information may be required by the Master Servicer from such Person. (v) The provisions of this Section 5.02(f) set forth prior to this clause (v) may be modified, added to or eliminated, provided that there shall have been delivered to the Trustee the following: (A) written notification from each Rating Agency to the effect that the modification, addition to or elimination of such provisions will not cause such Rating Agency to downgrade its then-current ratings, if any, of any Class of the Senior, Class M or Class B Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency; and (B) subject to Section 10.01(f), an Officers' Certificate of the Master Servicer stating that the Master Servicer has received an Opinion of Counsel, in form and substance satisfactory to the Master Servicer, to the effect that such modification, addition to or absence of such provisions will not cause any portion of any REMIC formed under the Series Supplement to cease to qualify as a REMIC and will not cause (x) any portion of any REMIC formed under the Series Supplement to be subject to an entity-level tax caused by the Transfer of any Class R Certificate to a Person that is a Disqualified Organization or (y) a Certificateholder or another Person to be subject to a REMIC-related tax caused by the Transfer of a Class R Certificate to a Person that is not a Permitted Transferee. (g) No service charge shall be made for any transfer or exchange of Certificates of any Class, but the Trustee may require payment of a sum sufficient to cover any tax or governmental charge that may be imposed in connection with any transfer or exchange of Certificates. (h) All Certificates surrendered for transfer and exchange shall be destroyed by the Certificate Registrar. Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. If (i) any mutilated Certificate is surrendered to the Certificate Registrar, or the Trustee and the Certificate Registrar receive evidence to their satisfaction of the destruction, loss or theft of any Certificate, and (ii) there is delivered to the Trustee and the Certificate Registrar such security or indemnity as may be required by them to save each of them harmless, then, in the absence of notice to the Trustee or the Certificate Registrar that such Certificate has been acquired by a bona fide purchaser, the Trustee shall execute and the Certificate Registrar shall authenticate and deliver, in exchange for or in lieu of any such mutilated, destroyed, lost or stolen Certificate, a new Certificate of like tenor, Class and Percentage Interest but bearing a number not contemporaneously outstanding. Upon the issuance of any new Certificate under this Section, the Trustee may require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the 78 Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section shall constitute complete and indefeasible evidence of ownership in the Trust Fund, as if originally issued, whether or not the lost, stolen or destroyed Certificate shall be found at any time. Section 5.04. Persons Deemed Owners. Prior to due presentation of a Certificate for registration of transfer, the Company, the Master Servicer, the Trustee, any Certificate Insurer, the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee, any Certificate Insurer or the Certificate Registrar may treat the Person in whose name any Certificate is registered as the owner of such Certificate for the purpose of receiving distributions pursuant to Section 4.02 and for all other purposes whatsoever, except as and to the extent provided in the definition of "Certificateholder," and neither the Company, the Master Servicer, the Trustee, any Certificate Insurer, the Certificate Registrar nor any agent of the Company, the Master Servicer, the Trustee, any Certificate Insurer or the Certificate Registrar shall be affected by notice to the contrary except as provided in Section 5.02(f). Section 5.05. Appointment of Paying Agent. The Trustee may appoint a Paying Agent for the purpose of making distributions to the Certificateholders pursuant to Section 4.02. In the event of any such appointment, on or prior to each Distribution Date the Master Servicer on behalf of the Trustee shall deposit or cause to be deposited with the Paying Agent a sum sufficient to make the payments to the Certificateholders in the amounts and in the manner provided for in Section 4.02, such sum to be held in trust for the benefit of the Certificateholders. The Trustee shall cause each Paying Agent to execute and deliver to the Trustee an instrument in which such Paying Agent shall agree with the Trustee that such Paying Agent will hold all sums held by it for the payment to the Certificateholders in trust for the benefit of the Certificateholders entitled thereto until such sums shall be paid to such Certificateholders. Any sums so held by such Paying Agent shall be held only in Eligible Accounts to the extent such sums are not distributed to the Certificateholders on the date of receipt by such Paying Agent. 79 ARTICLE VI THE COMPANY AND THE MASTER SERVICER Section 6.01. Respective Liabilities of the Company and the Master Servicer. The Company and the Master Servicer shall each be liable in accordance herewith only to the extent of the obligations specifically and respectively imposed upon and undertaken by the Company and the Master Servicer herein. By way of illustration and not limitation, the Company is not liable for the servicing and administration of the Mortgage Loans, nor is it obligated by Section 7.01 or Section 10.01 to assume any obligations of the Master Servicer or to appoint a designee to assume such obligations, nor is it liable for any other obligation hereunder that it may, but is not obligated to, assume unless it elects to assume such obligation in accordance herewith. Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer. (a) The Company and the Master Servicer will each keep in full effect its existence, rights and franchises as a corporation under the laws of the state of its incorporation, and will each obtain and preserve its qualification to do business as a foreign corporation in each jurisdiction in which such qualification is or shall be necessary to protect the validity and enforceability of this Agreement, the Certificates or any of the Mortgage Loans and to perform its respective duties under this Agreement. (b) Any Person into which the Company or the Master Servicer may be merged or consolidated, or any corporation resulting from any merger or consolidation to which the Company or the Master Servicer shall be a party, or any Person succeeding to the business of the Company or the Master Servicer, shall be the successor of the Company or the Master Servicer, as the case may be, hereunder, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding; provided, however, that the successor or surviving Person to the Master Servicer shall be qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac; and provided further that each Rating Agency's ratings, if any, of the Senior, Class M or Class B Certificates in effect immediately prior to such merger or consolidation will not be qualified, reduced or withdrawn as a result thereof (as evidenced by a letter to such effect from each Rating Agency). (c) Notwithstanding anything else in this Section 6.02 and Section 6.04 to the contrary, the Master Servicer may assign its rights and delegate its duties and obligations under this Agreement; provided that the Person accepting such assignment or delegation shall be a Person which is qualified to service mortgage loans on behalf of Fannie Mae or Freddie Mac, is reasonably satisfactory to the Trustee and the Company, is willing to service the Mortgage Loans and executes and delivers to the Company and the Trustee an agreement, in form and substance reasonably satisfactory to the Company and the Trustee, which contains an assumption by such Person of the due and punctual performance and observance of each covenant and condition to be performed or observed by the Master Servicer under this Agreement; provided further that each Rating Agency's rating of the Classes of Certificates that have been rated in effect immediately 80 prior to such assignment and delegation will not be qualified, reduced or withdrawn as a result of such assignment and delegation (as evidenced by a letter to such effect from each Rating Agency). In the case of any such assignment and delegation, the Master Servicer shall be released from its obligations under this Agreement, except that the Master Servicer shall remain liable for all liabilities and obligations incurred by it as Master Servicer hereunder prior to the satisfaction of the conditions to such assignment and delegation set forth in the next preceding sentence. Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others. Neither the Company, the Master Servicer nor any of the directors, officers, employees or agents of the Company or the Master Servicer shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Company, the Master Servicer or any such Person against any breach of warranties or representations made herein or any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer shall be indemnified by the Trust Fund and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than any loss, liability or expense related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder. Neither the Company nor the Master Servicer shall be under any obligation to appear in, prosecute or defend any legal or administrative action, proceeding, hearing or examination that is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Company or the Master Servicer may in its discretion undertake any such action, proceeding, hearing or examination that it may deem necessary or desirable in respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action, proceeding, hearing or examination and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund, and the Company and the Master Servicer shall be entitled to be reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 and, on the Distribution Date(s) following such reimbursement, the aggregate of such expenses and costs shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such expenses and costs constituted a Prepayment Interest Shortfall. 81 Section 6.04. Company and Master Servicer Not to Resign. Subject to the provisions of Section 6.02, neither the Company nor the Master Servicer shall resign from its respective obligations and duties hereby imposed on it except upon determination that its duties hereunder are no longer permissible under applicable law. Any such determination permitting the resignation of the Company or the Master Servicer shall be evidenced by an Opinion of Counsel to such effect delivered to the Trustee. No such resignation by the Master Servicer shall become effective until the Trustee or a successor servicer shall have assumed the Master Servicer's responsibilities and obligations in accordance with Section 7.02. 82 ARTICLE VII DEFAULT Section 7.01. Events of Default. Event of Default, wherever used herein, means any one of the following events (whatever reason for such Event of Default and whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order, rule or regulation of any administrative or governmental body): (i) the Master Servicer shall fail to distribute or cause to be distributed to the Holders of Certificates of any Class any distribution required to be made under the terms of the Certificates of such Class and this Agreement and, in either case, such failure shall continue unremedied for a period of 5 days after the date upon which written notice of such failure, requiring such failure to be remedied, shall have been given to the Master Servicer by the Trustee or the Company or to the Master Servicer, the Company and the Trustee by the Holders of Certificates of such Class evidencing Percentage Interests aggregating not less than 25%; or (ii) the Master Servicer shall fail to observe or perform in any material respect any other of the covenants or agreements on the part of the Master Servicer contained in the Certificates of any Class or in this Agreement and such failure shall continue unremedied for a period of 30 days (except that such number of days shall be 15 in the case of a failure to pay the premium for any Required Insurance Policy) after the date on which written notice of such failure, requiring the same to be remedied, shall have been given to the Master Servicer by the Trustee or the Company, or to the Master Servicer, the Company and the Trustee by the Holders of Certificates of any Class evidencing, in the case of any such Class, Percentage Interests aggregating not less than 25%; or (iii) a decree or order of a court or agency or supervisory authority having jurisdiction in the premises in an involuntary case under any present or future federal or state bankruptcy, insolvency or similar law or appointing a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities or similar proceedings, or for the winding-up or liquidation of its affairs, shall have been entered against the Master Servicer and such decree or order shall have remained in force undischarged or unstayed for a period of 60 days; or (iv) the Master Servicer shall consent to the appointment of a conservator or receiver or liquidator in any insolvency, readjustment of debt, marshalling of assets and liabilities, or similar proceedings of, or relating to, the Master Servicer or of, or relating to, all or substantially all of the property of the Master Servicer; or (v) the Master Servicer shall admit in writing its inability to pay its debts generally as they become due, file a petition to take advantage of, or commence a voluntary case under, any applicable insolvency or reorganization statute, make an assignment for the benefit of its creditors, or voluntarily suspend payment of its obligations; or (vi) the Master Servicer shall notify the Trustee pursuant to Section 4.04(b) that it is unable to deposit in the Certificate Account an amount equal to the Advance. 83 If an Event of Default described in clauses (i)-(v) of this Section shall occur, then, and in each and every such case, so long as such Event of Default shall not have been remedied, either the Company or the Trustee may, and at the direction of Holders of Certificates entitled to at least 51% of the Voting Rights, the Trustee shall, by notice in writing to the Master Servicer (and to the Company if given by the Trustee or to the Trustee if given by the Company), terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder. If an Event of Default described in clause (vi) hereof shall occur, the Trustee shall, by notice to the Master Servicer and the Company, immediately terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder as provided in Section 4.04(b). On or after the receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates (other than as a Holder thereof) or the Mortgage Loans or otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or the Trustee's designee appointed pursuant to Section 7.02; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting the termination of the Master Servicer's responsibilities and rights hereunder, including, without limitation, the transfer to the Trustee or its designee for administration by it of all cash amounts which shall at the time be credited to the Custodial Account or the Certificate Account or thereafter be received with respect to the Mortgage Loans. No such termination shall release the Master Servicer for any liability that it would otherwise have hereunder for any act or omission prior to the effective time of such termination. Notwithstanding any termination of the activities of Residential Funding in its capacity as Master Servicer hereunder, Residential Funding shall be entitled to receive, out of any late collection of a Monthly Payment on a Mortgage Loan which was due prior to the notice terminating Residential Funding's rights and obligations as Master Servicer hereunder and received after such notice, that portion to which Residential Funding would have been entitled pursuant to Sections 3.10(a)(ii), (vi) and (vii) as well as its Servicing Fee in respect thereof, and any other amounts payable to Residential Funding hereunder the entitlement to which arose prior to the termination of its activities hereunder. Upon the termination of Residential Funding as Master Servicer hereunder the Company shall deliver to the Trustee a copy of the Program Guide. 84 Section 7.02. Trustee or Company to Act; Appointment of Successor. (a) On and after the time the Master Servicer receives a notice of termination pursuant to Section 7.01 or resigns in accordance with Section 6.04, the Trustee or, upon notice to the Company and with the Company's consent (which shall not be unreasonably withheld) a designee (which meets the standards set forth below) of the Trustee, shall be the successor in all respects to the Master Servicer in its capacity as servicer under this Agreement and the transactions set forth or provided for herein and shall be subject to all the responsibilities, duties and liabilities relating thereto placed on the Master Servicer (except for the responsibilities, duties and liabilities contained in Sections 2.02 and 2.03(a), excluding the duty to notify related Subservicers or Sellers as set forth in such Sections, and its obligations to deposit amounts in respect of losses incurred prior to such notice or termination on the investment of funds in the Custodial Account or the Certificate Account pursuant to Sections 3.07(c) and 4.01(b) by the terms and provisions hereof); provided, however, that any failure to perform such duties or responsibilities caused by the preceding Master Servicer's failure to provide information required by Section 4.04 shall not be considered a default by the Trustee hereunder. As compensation therefor, the Trustee shall be entitled to all funds relating to the Mortgage Loans which the Master Servicer would have been entitled to charge to the Custodial Account or the Certificate Account if the Master Servicer had continued to act hereunder and, in addition, shall be entitled to the income from any Permitted Investments made with amounts attributable to the Mortgage Loans held in the Custodial Account or the Certificate Account. If the Trustee has become the successor to the Master Servicer in accordance with Section 6.04 or Section 7.01, then notwithstanding the above, the Trustee may, if it shall be unwilling to so act, or shall, if it is unable to so act, appoint, or petition a court of competent jurisdiction to appoint, any established housing and home finance institution, which is also a Fannie Mae- or Freddie Mac-approved mortgage servicing institution, having a net worth of not less than $10,000,000 as the successor to the Master Servicer hereunder in the assumption of all or any part of the responsibilities, duties or liabilities of the Master Servicer hereunder. Pending appointment of a successor to the Master Servicer hereunder, the Trustee shall become successor to the Master Servicer and shall act in such capacity as hereinabove provided. In connection with such appointment and assumption, the Trustee may make such arrangements for the compensation of such successor out of payments on Mortgage Loans as it and such successor shall agree; provided, however, that no such compensation shall be in excess of that permitted the initial Master Servicer hereunder. The Company, the Trustee, the Custodian and such successor shall take such action, consistent with this Agreement, as shall be necessary to effectuate any such succession. The Servicing Fee for any successor Master Servicer appointed pursuant to this Section 7.02 will be lowered with respect to those Mortgage Loans, if any, where the Subservicing Fee accrues at a rate of less than 0.20% per annum in the event that the successor Master Servicer is not servicing such Mortgage Loans directly and it is necessary to raise the related Subservicing Fee to a rate of 0.20% per annum in order to hire a Subservicer with respect to such Mortgage Loans. (b) In connection with the termination or resignation of the Master Servicer hereunder, either (i) the successor Master Servicer, including the Trustee if the Trustee is acting as successor Master Servicer, shall represent and warrant that it is a member of MERS in good standing and shall agree to comply in all material respects with the rules and procedures of MERS in connection with the servicing of the Mortgage Loans that are registered with MERS, in which case the predecessor Master Servicer shall cooperate with the successor Master Servicer in causing MERS to revise its records to reflect the transfer of servicing to the successor Master Servicer as necessary under MERS' rules and regulations, or (ii) the predecessor Master Servicer shall cooperate 85 with the successor Master Servicer in causing MERS to execute and deliver an assignment of Mortgage in recordable form to transfer the Mortgage from MERS to the Trustee and to execute and deliver such other notices, documents and other instruments as may be necessary or desirable to effect a transfer of such Mortgage Loan or servicing of such Mortgage Loan on the MERS(R) System to the successor Master Servicer. The predecessor Master Servicer shall file or cause to be filed any such assignment in the appropriate recording office. The predecessor Master Servicer shall bear any and all fees of MERS, costs of preparing any assignments of Mortgage, and fees and costs of filing any assignments of Mortgage that may be required under this subsection (b). The successor Master Servicer shall cause such assignment to be delivered to the Trustee or the Custodian promptly upon receipt of the original with evidence of recording thereon or a copy certified by the public recording office in which such assignment was recorded. Section 7.03. Notification to Certificateholders. (a) Upon any such termination or appointment of a successor to the Master Servicer, the Trustee shall give prompt written notice thereof to the Certificateholders at their respective addresses appearing in the Certificate Register. (b) Within 60 days after the occurrence of any Event of Default, the Trustee shall transmit by mail to all Holders of Certificates notice of each such Event of Default hereunder known to the Trustee, unless such Event of Default shall have been cured or waived. Section 7.04. Waiver of Events of Default. The Holders representing at least 66% of the Voting Rights affected by a default or Event of Default hereunder may waive such default or Event of Default; provided, however, that (a) a default or Event of Default under clause (i) of Section 7.01 may be waived only by all of the Holders of Certificates affected by such default or Event of Default and (b) no waiver pursuant to this Section 7.04 shall affect the Holders of Certificates in the manner set forth in Section 11.01(b)(i) or (ii). Upon any such waiver of a default or Event of Default by the Holders representing the requisite percentage of Voting Rights affected by such default or Event of Default, such default or Event of Default shall cease to exist and shall be deemed to have been remedied for every purpose hereunder. No such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon except to the extent expressly so waived. 86 ARTICLE VIII CONCERNING THE TRUSTEE Section 8.01. Duties of Trustee. (a) The Trustee, prior to the occurrence of an Event of Default and after the curing or waiver of all Events of Default which may have occurred, undertakes to perform such duties and only such duties as are specifically set forth in this Agreement. In case an Event of Default has occurred (which has not been cured or waived), the Trustee shall exercise such of the rights and powers vested in it by this Agreement, and use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs. (b) The Trustee, upon receipt of all resolutions, certificates, statements, opinions, reports, documents, orders or other instruments furnished to the Trustee which are specifically required to be furnished pursuant to any provision of this Agreement, shall examine them to determine whether they conform to the requirements of this Agreement. The Trustee shall notify the Certificateholders of any such documents which do not materially conform to the requirements of this Agreement in the event that the Trustee, after so requesting, does not receive satisfactorily corrected documents. The Trustee shall forward or cause to be forwarded in a timely fashion the notices, reports and statements required to be forwarded by the Trustee pursuant to Sections 4.03, 4.06, 7.03 and 10.01. The Trustee shall furnish in a timely fashion to the Master Servicer such information as the Master Servicer may reasonably request from time to time for the Master Servicer to fulfill its duties as set forth in this Agreement. The Trustee covenants and agrees that it shall perform its obligations hereunder in a manner so as to maintain the status of any portion of any REMIC formed under the Series Supplement as a REMIC under the REMIC Provisions and (subject to Section 10.01(f)) to prevent the imposition of any federal, state or local income, prohibited transaction, contribution or other tax on the Trust Fund to the extent that maintaining such status and avoiding such taxes are reasonably within the control of the Trustee and are reasonably within the scope of its duties under this Agreement. (c) No provision of this Agreement shall be construed to relieve the Trustee from liability for its own negligent action, its own negligent failure to act or its own willful misconduct; provided, however, that: (i) Prior to the occurrence of an Event of Default, and after the curing or waiver of all such Events of Default which may have occurred, the duties and obligations of the Trustee shall be determined solely by the express provisions of this Agreement, the Trustee shall not be liable except for the performance of such duties and obligations as are specifically set forth in this Agreement, no implied covenants or obligations shall be read into this Agreement against the Trustee and, in the absence of bad faith on the part of the Trustee, the Trustee may conclusively rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon any certificates or opinions furnished to the Trustee by the Company 87 or the Master Servicer and which on their face, do not contradict the requirements of this Agreement; (ii) The Trustee shall not be personally liable for an error of judgment made in good faith by a Responsible Officer or Responsible Officers of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; (iii) The Trustee shall not be personally liable with respect to any action taken, suffered or omitted to be taken by it in good faith in accordance with the direction of Certificateholders of any Class holding Certificates which evidence, as to such Class, Percentage Interests aggregating not less than 25% as to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or power conferred upon the Trustee, under this Agreement; (iv) The Trustee shall not be charged with knowledge of any default (other than a default in payment to the Trustee) specified in clauses (i) and (ii) of Section 7.01 or an Event of Default under clauses (iii), (iv) and (v) of Section 7.01 unless a Responsible Officer of the Trustee assigned to and working in the Corporate Trust Office obtains actual knowledge of such failure or event or the Trustee receives written notice of such failure or event at its Corporate Trust Office from the Master Servicer, the Company or any Certificateholder; and (v) Except to the extent provided in Section 7.02, no provision in this Agreement shall require the Trustee to expend or risk its own funds (including, without limitation, the making of any Advance) or otherwise incur any personal financial liability in the performance of any of its duties as Trustee hereunder, or in the exercise of any of its rights or powers, if the Trustee shall have reasonable grounds for believing that repayment of funds or adequate indemnity against such risk or liability is not reasonably assured to it. (d) The Trustee shall timely pay, from its own funds, the amount of any and all federal, state and local taxes imposed on the Trust Fund or its assets or transactions including, without limitation, (A) "prohibited transaction" penalty taxes as defined in Section 860F of the Code, if, when and as the same shall be due and payable, (B) any tax on contributions to a REMIC after the Closing Date imposed by Section 860G(d) of the Code and (C) any tax on "net income from foreclosure property" as defined in Section 860G(c) of the Code, but only if such taxes arise out of a breach by the Trustee of its obligations hereunder, which breach constitutes negligence or willful misconduct of the Trustee. Section 8.02. Certain Matters Affecting the Trustee. (a) Except as otherwise provided in Section 8.01: (i) The Trustee may rely and shall be protected in acting or refraining from acting upon any resolution, Officers' Certificate, certificate of auditors or any other certificate, statement, instrument, opinion, report, notice, request, consent, order, appraisal, bond or other paper or document believed by it to be genuine and to have been signed or presented by the proper party or parties; 88 (ii) The Trustee may consult with counsel and any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken or suffered or omitted by it hereunder in good faith and in accordance with such Opinion of Counsel; (iii)The Trustee shall be under no obligation to exercise any of the trusts or powers vested in it by this Agreement or to institute, conduct or defend any litigation hereunder or in relation hereto at the request, order or direction of any of the Certificateholders, pursuant to the provisions of this Agreement, unless such Certificateholders shall have offered to the Trustee reasonable security or indemnity against the costs, expenses and liabilities which may be incurred therein or thereby; nothing contained herein shall, however, relieve the Trustee of the obligation, upon the occurrence of an Event of Default (which has not been cured or waived), to exercise such of the rights and powers vested in it by this Agreement, and to use the same degree of care and skill in their exercise as a prudent investor would exercise or use under the circumstances in the conduct of such investor's own affairs; (iv) The Trustee shall not be personally liable for any action taken, suffered or omitted by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Agreement; (v) Prior to the occurrence of an Event of Default hereunder and after the curing or waiver of all Events of Default which may have occurred, the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval, bond or other paper or document, unless requested in writing so to do by Holders of Certificates of any Class evidencing, as to such Class, Percentage Interests, aggregating not less than 50%; provided, however, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the Trustee by the security afforded to it by the terms of this Agreement, the Trustee may require reasonable indemnity against such expense or liability as a condition to so proceeding. The reasonable expense of every such examination shall be paid by the Master Servicer, if an Event of Default shall have occurred and is continuing, and otherwise by the Certificateholder requesting the investigation; (vi) The Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys; and (vii)To the extent authorized under the Code and the regulations promulgated thereunder, each Holder of a Class R Certificate hereby irrevocably appoints and authorizes the Trustee to be its attorney-in-fact for purposes of signing any Tax Returns required to be filed on behalf of the Trust Fund. The Trustee shall sign on behalf of the Trust Fund and deliver to the Master Servicer in a timely manner any Tax Returns prepared by or on behalf of the Master Servicer that the Trustee is required to sign as determined by the Master Servicer pursuant to applicable federal, state or local tax laws, provided that the Master Servicer shall indemnify the Trustee for signing any such Tax Returns that contain errors or omissions. 89 (b) Following the issuance of the Certificates, the Trustee shall not accept any contribution of assets to the Trust Fund unless (subject to Section 10.01(f)) it shall have obtained or been furnished with an Opinion of Counsel to the effect that such contribution will not (i) cause any portion of any REMIC formed under the Series Supplement to fail to qualify as a REMIC at any time that any Certificates are outstanding or (ii) cause the Trust Fund to be subject to any federal tax as a result of such contribution (including the imposition of any federal tax on "prohibited transactions" imposed under Section 860F(a) of the Code). Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans. The recitals contained herein and in the Certificates (other than the execution of the Certificates and relating to the acceptance and receipt of the Mortgage Loans) shall be taken as the statements of the Company or the Master Servicer as the case may be, and the Trustee assumes no responsibility for their correctness. The Trustee makes no representations as to the validity or sufficiency of this Agreement or of the Certificates (except that the Certificates shall be duly and validly executed and authenticated by it as Certificate Registrar) or of any Mortgage Loan or related document, or of MERS or the MERS(R) System. Except as otherwise provided herein, the Trustee shall not be accountable for the use or application by the Company or the Master Servicer of any of the Certificates or of the proceeds of such Certificates, or for the use or application of any funds paid to the Company or the Master Servicer in respect of the Mortgage Loans or deposited in or withdrawn from the Custodial Account or the Certificate Account by the Company or the Master Servicer. Section 8.04. Trustee May Own Certificates. The Trustee in its individual or any other capacity may become the owner or pledgee of Certificates with the same rights it would have if it were not Trustee. Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification. (a) The Master Servicer covenants and agrees to pay to the Trustee and any co-trustee from time to time, and the Trustee and any co-trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust) for all services rendered by each of them in the execution of the trusts hereby created and in the exercise and performance of any of the powers and duties hereunder of the Trustee and any co-trustee, and the Master Servicer will pay or reimburse the Trustee and any co-trustee upon request for all reasonable expenses, disbursements and advances incurred or made by the Trustee or any co-trustee in accordance with any of the provisions of this Agreement (including the reasonable compensation and the expenses and disbursements of its counsel and of all persons not regularly in its employ, and the expenses incurred by the Trustee or any co-trustee in connection with the appointment of an office or agency pursuant to Section 8.12) except any such expense, disbursement or advance as may arise from its negligence or bad faith. 90 (b) The Master Servicer agrees to indemnify the Trustee for, and to hold the Trustee harmless against, any loss, liability or expense incurred without negligence or willful misconduct on the Trustee's part, arising out of, or in connection with, the acceptance and administration of the Trust Fund, including the costs and expenses (including reasonable legal fees and expenses) of defending itself against any claim in connection with the exercise or performance of any of its powers or duties under this Agreement and the Custodial Agreement, provided that: (i) with respect to any such claim, the Trustee shall have given the Master Servicer written notice thereof promptly after the Trustee shall have actual knowledge thereof; (ii) while maintaining control over its own defense, the Trustee shall cooperate and consult fully with the Master Servicer in preparing such defense; and (iii) notwithstanding anything in this Agreement to the contrary, the Master Servicer shall not be liable for settlement of any claim by the Trustee entered into without the prior consent of the Master Servicer which consent shall not be unreasonably withheld. No termination of this Agreement shall affect the obligations created by this Section 8.05(b) of the Master Servicer to indemnify the Trustee under the conditions and to the extent set forth herein. Notwithstanding the foregoing, the indemnification provided by the Master Servicer in this Section 8.05(b) shall not pertain to any loss, liability or expense of the Trustee, including the costs and expenses of defending itself against any claim, incurred in connection with any actions taken by the Trustee at the direction of the Certificateholders pursuant to the terms of this Agreement. Section 8.06. Eligibility Requirements for Trustee. The Trustee hereunder shall at all times be a corporation or a national banking association having its principal office in a state and city acceptable to the Company and organized and doing business under the laws of such state or the United States of America, authorized under such laws to exercise corporate trust powers, having a combined capital and surplus of at least $50,000,000 and subject to supervision or examination by federal or state authority. If such corporation or national banking association publishes reports of condition at least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section the combined capital and surplus of such corporation shall be deemed to be its combined capital and surplus as set forth in its most recent report of condition so published. In case at any time the Trustee shall cease to be eligible in accordance with the provisions of this Section, the Trustee shall resign immediately in the manner and with the effect specified in Section 8.07. Section 8.07. Resignation and Removal of the Trustee. (a) The Trustee may at any time resign and be discharged from the trusts hereby created by giving written notice thereof to the Company. Upon receiving such notice of resignation, the Company shall promptly appoint a successor trustee by 91 written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor trustee. If no successor trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of resignation, the resigning Trustee may petition any court of competent jurisdiction for the appointment of a successor trustee. (b) If at any time the Trustee shall cease to be eligible in accordance with the provisions of Section 8.06 and shall fail to resign after written request therefor by the Company, or if at any time the Trustee shall become incapable of acting, or shall be adjudged bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation, then the Company may remove the Trustee and appoint a successor trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the Trustee so removed and one copy to the successor trustee. In addition, in the event that the Company determines that the Trustee has failed (i) to distribute or cause to be distributed to the Certificateholders any amount required to be distributed hereunder, if such amount is held by the Trustee or its Paying Agent (other than the Master Servicer or the Company) for distribution or (ii) to otherwise observe or perform in any material respect any of its covenants, agreements or obligations hereunder, and such failure shall continue unremedied for a period of 5 days (in respect of clause (i) above) or 30 days (in respect of clause (ii) above) after the date on which written notice of such failure, requiring that the same be remedied, shall have been given to the Trustee by the Company, then the Company may remove the Trustee and appoint a successor trustee by written instrument delivered as provided in the preceding sentence. In connection with the appointment of a successor trustee pursuant to the preceding sentence, the Company shall, on or before the date on which any such appointment becomes effective, obtain from each Rating Agency written confirmation that the appointment of any such successor trustee will not result in the reduction of the ratings on any class of the Certificates below the lesser of the then current or original ratings on such Certificates. (c) The Holders of Certificates entitled to at least 51% of the Voting Rights may at any time remove the Trustee and appoint a successor trustee by written instrument or instruments, in triplicate, signed by such Holders or their attorneys-in-fact duly authorized, one complete set of which instruments shall be delivered to the Company, one complete set to the Trustee so removed and one complete set to the successor so appointed. (d) Any resignation or removal of the Trustee and appointment of a successor trustee pursuant to any of the provisions of this Section shall become effective upon acceptance of appointment by the successor trustee as provided in Section 8.08. Section 8.08. Successor Trustee. (a) Any successor trustee appointed as provided in Section 8.07 shall execute, acknowledge and deliver to the Company and to its predecessor trustee an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor trustee shall become effective and such successor trustee shall become effective and such successor trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, 92 duties and obligations of its predecessor hereunder, with the like effect as if originally named as trustee herein. The predecessor trustee shall deliver to the successor trustee all Mortgage Files and related documents and statements held by it hereunder (other than any Mortgage Files at the time held by a Custodian, which shall become the agent of any successor trustee hereunder), and the Company, the Master Servicer and the predecessor trustee shall execute and deliver such instruments and do such other things as may reasonably be required for more fully and certainly vesting and confirming in the successor trustee all such rights, powers, duties and obligations. (b) No successor trustee shall accept appointment as provided in this Section unless at the time of such acceptance such successor trustee shall be eligible under the provisions of Section 8.06. (c) Upon acceptance of appointment by a successor trustee as provided in this Section, the Company shall mail notice of the succession of such trustee hereunder to all Holders of Certificates at their addresses as shown in the Certificate Register. If the Company fails to mail such notice within 10 days after acceptance of appointment by the successor trustee, the successor trustee shall cause such notice to be mailed at the expense of the Company. Section 8.09. Merger or Consolidation of Trustee. Any corporation or national banking association into which the Trustee may be merged or converted or with which it may be consolidated or any corporation or national banking association resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any corporation or national banking association succeeding to the business of the Trustee, shall be the successor of the Trustee hereunder, provided such corporation or national banking association shall be eligible under the provisions of Section 8.06, without the execution or filing of any paper or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding. The Trustee shall mail notice of any such merger or consolidation to the Certificateholders at their address as shown in the Certificate Register. Section 8.10. Appointment of Co-Trustee or Separate Trustee. (a) Notwithstanding any other provisions hereof, at any time, for the purpose of meeting any legal requirements of any jurisdiction in which any part of the Trust Fund or property securing the same may at the time be located, the Master Servicer and the Trustee acting jointly shall have the power and shall execute and deliver all instruments to appoint one or more Persons approved by the Trustee to act as co-trustee or co-trustees, jointly with the Trustee, or separate trustee or separate trustees, of all or any part of the Trust Fund, and to vest in such Person or Persons, in such capacity, such title to the Trust Fund, or any part thereof, and, subject to the other provisions of this Section 8.10, such powers, duties, obligations, rights and trusts as the Master Servicer and the Trustee may consider necessary or desirable. If the Master Servicer shall not have joined in such appointment within 15 days after the receipt by it of a request so to do, or in case an Event of Default shall have occurred and be continuing, the Trustee alone shall have the power to make such appointment. No co-trustee or separate trustee hereunder shall be required to meet the terms of eligibility as a successor trustee under Section 8.06 hereunder and no notice to Holders of Certificates of the appointment of co-trustee(s) or separate trustee(s) shall be required under Section 8.08 hereof. 93 (b) In the case of any appointment of a co-trustee or separate trustee pursuant to this Section 8.10 all rights, powers, duties and obligations conferred or imposed upon the Trustee shall be conferred or imposed upon and exercised or performed by the Trustee, and such separate trustee or co-trustee jointly, except to the extent that under any law of any jurisdiction in which any particular act or acts are to be performed (whether as Trustee hereunder or as successor to the Master Servicer hereunder), the Trustee shall be incompetent or unqualified to perform such act or acts, in which event such rights, powers, duties and obligations (including the holding of title to the Trust Fund or any portion thereof in any such jurisdiction) shall be exercised and performed by such separate trustee or co-trustee at the direction of the Trustee. (c) Any notice, request or other writing given to the Trustee shall be deemed to have been given to each of the then separate trustees and co-trustees, as effectively as if given to each of them. Every instrument appointing any separate trustee or co-trustee shall refer to this Agreement and the conditions of this Article VIII. Each separate trustee and co-trustee, upon its acceptance of the trusts conferred, shall be vested with the estates or property specified in its instrument of appointment, either jointly with the Trustee or separately, as may be provided therein, subject to all the provisions of this Agreement, specifically including every provision of this Agreement relating to the conduct of, affecting the liability of, or affording protection to, the Trustee. Every such instrument shall be filed with the Trustee. (d) Any separate trustee or co-trustee may, at any time, constitute the Trustee, its agent or attorney-in-fact, with full power and authority, to the extent not prohibited by law, to do any lawful act under or in respect of this Agreement on its behalf and in its name. If any separate trustee or co-trustee shall die, become incapable of acting, resign or be removed, all of its estates, properties, rights, remedies and trusts shall vest in and be exercised by the Trustee, to the extent permitted by law, without the appointment of a new or successor trustee. Section 8.11. Appointment of Custodians. The Trustee may, with the consent of the Master Servicer and the Company, appoint one or more Custodians who are not Affiliates of the Company, the Master Servicer or any Seller to hold all or a portion of the Mortgage Files as agent for the Trustee, by entering into a Custodial Agreement. Subject to Article VIII, the Trustee agrees to comply with the terms of each Custodial Agreement and to enforce the terms and provisions thereof against the Custodian for the benefit of the Certificateholders. Each Custodian shall be a depository institution subject to supervision by federal or state authority, shall have a combined capital and surplus of at least $15,000,000 and shall be qualified to do business in the jurisdiction in which it holds any Mortgage File. Each Custodial Agreement may be amended only as provided in Section 11.01. The Trustee shall notify the Certificateholders of the appointment of any Custodian (other than the Custodian appointed as of the Closing Date) pursuant to this Section 8.11. Section 8.12. Appointment of Office or Agency. The Trustee will maintain an office or agency in the City of New York at the address designated in Section 11.05 of the Series Supplement where Certificates may be surrendered for registration of transfer or exchange. The 94 Trustee will maintain an office at the address stated in Section 11.05 of the Series Supplement where notices and demands to or upon the Trustee in respect of this Agreement may be served. 95 ARTICLE IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES Section 9.01. Optional Purchase by the Master Servicer of All Certificates; Termination Upon Purchase by the Master Servicer or Liquidation of All Mortgage Loans (a) Subject to Section 9.02, the respective obligations and responsibilities of the Company, the Master Servicer and the Trustee created hereby in respect of the Certificates (other than the obligation of the Trustee to make certain payments after the Final Distribution Date to Certificateholders and the obligation of the Company to send certain notices as hereinafter set forth) shall terminate upon the last action required to be taken by the Trustee on the Final Distribution Date pursuant to this Article IX following the earlier of: (i) the later of the final payment or other liquidation (or any Advance with respect thereto) of the last Mortgage Loan remaining in the Trust Fund or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan, or (ii) the purchase by the Master Servicer of all Mortgage Loans and all property acquired in respect of any Mortgage Loan remaining in the Trust Fund at a price equal to 100% of the unpaid principal balance of each Mortgage Loan or, if less than such unpaid principal balance, the fair market value of the related underlying property of such Mortgage Loan with respect to Mortgage Loans as to which title has been acquired if such fair market value is less than such unpaid principal balance (net of any unreimbursed Advances attributable to principal) on the day of repurchase plus accrued interest thereon at the Net Mortgage Rate (or Modified Net Mortgage Rate in the case of any Modified Mortgage Loan) to, but not including, the first day of the month in which such repurchase price is distributed, provided, however, that in no event shall the trust created hereby continue beyond the expiration of 21 years from the death of the last survivor of the descendants of Joseph P. Kennedy, the late ambassador of the United States to the Court of St. James, living on the date hereof and provided further that the purchase price set forth above shall be increased as is necessary, as determined by the Master Servicer, to avoid disqualification of any portion of any REMIC formed under the Series Supplement as a REMIC. The right of the Master Servicer to purchase all the assets of the Trust Fund pursuant to clause (ii) above is conditioned upon the Pool Stated Principal Balance as of the Final Distribution Date, prior to giving effect to distributions to be made on such Distribution Date, being less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. If such right is exercised by the Master Servicer, the Master Servicer shall be deemed to have been reimbursed for the full amount of any unreimbursed Advances theretofore made by it with respect to the Mortgage Loans. In addition, the Master Servicer shall provide to the Trustee the certification required by Section 3.15 and the Trustee and any Custodian shall, promptly following payment 96 of the purchase price, release to the Master Servicer the Mortgage Files pertaining to the Mortgage Loans being purchased. In addition to the foregoing, on any Distribution Date on which the Pool Stated Principal Balance, prior to giving effect to distributions to be made on such Distribution Date, is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans, the Master Servicer shall have the right, at its option, to purchase the Certificates in whole, but not in part, at a price equal to the outstanding Certificate Principal Balance of such Certificates plus the sum of Accrued Certificate Interest thereon for the related Interest Accrual Period and any previously unpaid Accrued Certificate Interest. If the Master Servicer exercises this right to purchase the outstanding Certificates, the Master Servicer will promptly terminate the respective obligations and responsibilities created hereby in respect of the Certificates pursuant to this Article IX. (b) The Master Servicer shall give the Trustee not less than 60 days' prior notice of the Distribution Date on which the Master Servicer anticipates that the final distribution will be made to Certificateholders (whether as a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund or otherwise) or on which the Master Servicer anticipates that the Certificates will be purchased (as a result of the exercise by the Master Servicer to purchase the outstanding Certificates). Notice of any termination specifying the anticipated Final Distribution Date (which shall be a date that would otherwise be a Distribution Date) upon which the Certificateholders may surrender their Certificates to the Trustee (if so required by the terms hereof) for payment of the final distribution and cancellation or notice of any purchase of the outstanding Certificates, specifying the Distribution Date upon which the Holders may surrender their Certificates to the Trustee for payment, shall be given promptly by the Master Servicer (if it is exercising its right to purchase the assets of the Trust Fund or to purchase the outstanding Certificates), or by the Trustee (in any other case) by letter to the Certificateholders mailed not earlier than the 15th day and not later than the 25th day of the month next preceding the month of such final distribution specifying: (i) the anticipated Final Distribution Date upon which final payment of the Certificates is anticipated to be made upon presentation and surrender of Certificates at the office or agency of the Trustee therein designated or, in the case of the purchase by the Master Servicer of the outstanding Certificates, the Distribution Date on which such purchase is to be made, (ii) the amount of any such final payment, or in the case of the purchase of the outstanding Certificates, the purchase price, in either case, if known, and (iii) that the Record Date otherwise applicable to such Distribution Date is not applicable, and in the case of the Senior Certificates and Class M Certificates, that payment will be made only upon presentation and surrender of the Certificates at the office or agency of the Trustee therein specified. If the Master Servicer is obligated to give notice to Certificateholders as aforesaid, it shall give such notice to the Certificate Registrar at the time such notice is given to Certificateholders and, if the Master Servicer is exercising its rights to purchase the outstanding Certificates, it shall give such notice to each Rating Agency at the time such notice is given to Certificateholders. As a result of the exercise by the Master Servicer of its 97 right to purchase the assets of the Trust Fund, the Master Servicer shall deposit in the Certificate Account, before the Final Distribution Date in immediately available funds an amount equal to the purchase price for the assets of the Trust Fund, computed as provided above. As a result of the exercise by the Master Servicer of its right to purchase the outstanding Certificates, the Master Servicer shall deposit in an Eligible Account, established by the Master Servicer on behalf of the Trustee and separate from the Certificate Account in the name of the Trustee in trust for the registered holders of the Certificates, before the Distribution Date on which such purchase is to occur in immediately available funds an amount equal to the purchase price for the Certificates, computed as above provided, and provide notice of such deposit to the Trustee. The Trustee will withdraw from such account the amount specified in subsection (c) below. (c) In the case of the Senior, Class M or Class B Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof, the Trustee shall distribute to the Certificateholders (i) the amount otherwise distributable on such Distribution Date, if not in connection with the Master Servicer's election to repurchase the assets of the Trust Fund or the outstanding Certificates, or (ii) if the Master Servicer elected to so repurchase the assets of the Trust Fund or the outstanding Certificates, an amount determined as follows: (A) with respect to each Certificate the outstanding Certificate Principal Balance thereof, plus Accrued Certificate Interest for the related Interest Accrual Period thereon and any previously unpaid Accrued Certificate Interest, subject to the priority set forth in Section 4.02(a), and (B) with respect to the Class R Certificates, any excess of the amounts available for distribution (including the repurchase price specified in clause (ii) of subsection (a) of this Section) over the total amount distributed under the immediately preceding clause (A). (d) If any Certificateholders shall not surrender their Certificates for final payment and cancellation on or before the Final Distribution Date (if so required by the terms hereof), the Trustee shall on such date cause all funds in the Certificate Account not distributed in final distribution to Certificateholders to be withdrawn therefrom and credited to the remaining Certificateholders by depositing such funds in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer (if it exercised its right to purchase the assets of the Trust Fund), or the Trustee (in any other case) shall give a second written notice to the remaining Certificateholders to surrender their Certificates for cancellation and receive the final distribution with respect thereto. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the remaining Certificateholders concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation, the Trustee shall pay to the Master Servicer all amounts distributable to the holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such Holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for final payment thereof in accordance with this Section 9.01. (e) If any Certificateholders do not surrender their Certificates on or before the Distribution Date on which a purchase of the outstanding Certificates is to be made, the Trustee shall on such date cause all funds in the Certificate 98 Account deposited therein by the Master Servicer pursuant to Section 9.01(b) to be withdrawn therefrom and deposited in a separate escrow account for the benefit of such Certificateholders, and the Master Servicer shall give a second written notice to such Certificateholders to surrender their Certificates for payment of the purchase price therefor. If within six months after the second notice any Certificate shall not have been surrendered for cancellation, the Trustee shall take appropriate steps as directed by the Master Servicer to contact the Holders of such Certificates concerning surrender of their Certificates. The costs and expenses of maintaining the escrow account and of contacting Certificateholders shall be paid out of the assets which remain in the escrow account. If within nine months after the second notice any Certificates shall not have been surrendered for cancellation in accordance with this Section 9.01, the Trustee shall pay to the Master Servicer all amounts distributable to the Holders thereof and the Master Servicer shall thereafter hold such amounts until distributed to such Holders. No interest shall accrue or be payable to any Certificateholder on any amount held in the escrow account or by the Master Servicer as a result of such Certificateholder's failure to surrender its Certificate(s) for payment in accordance with this Section 9.01. Any Certificate that is not surrendered on the Distribution Date on which a purchase pursuant to this Section 9.01 occurs as provided above will be deemed to have been purchased and the Holder as of such date will have no rights with respect thereto except to receive the purchase price therefor minus any costs and expenses associated with such escrow account and notices allocated thereto. Any Certificates so purchased or deemed to have been purchased on such Distribution Date shall remain outstanding hereunder. The Master Servicer shall be for all purposes the Holder thereof as of such date. Section 9.02. Additional Termination Requirements. (a) Each REMIC that comprises the Trust Fund shall be terminated in accordance with the following additional requirements, unless (subject to Section 10.01(f)) the Trustee and the Master Servicer have received an Opinion of Counsel (which Opinion of Counsel shall not be an expense of the Trustee) to the effect that the failure of each such REMIC to comply with the requirements of this Section 9.02 will not (i) result in the imposition on the Trust of taxes on "prohibited transactions," as described in Section 860F of the Code, or (ii) cause any such REMIC to fail to qualify as a REMIC at any time that any Certificate is outstanding: (i) The Master Servicer shall establish a 90-day liquidation period for each such REMIC and specify the first day of such period in a statement attached to the Trust Fund's final Tax Return pursuant to Treasury regulations Section 1.860F-1. The Master Servicer also shall satisfy all of the requirements of a qualified liquidation for a REMIC under Section 860F of the Code and regulations thereunder; (ii) The Master Servicer shall notify the Trustee at the commencement of such 90-day liquidation period and, at or prior to the time of making of the final payment on the Certificates, the Trustee shall sell or otherwise dispose of all of the remaining assets of the Trust Fund in accordance with the terms hereof; and (iii) If the Master Servicer or the Company is exercising its right to purchase the assets of the Trust Fund, the Master Servicer shall, during 99 the 90-day liquidation period and at or prior to the Final Distribution Date, purchase all of the assets of the Trust Fund for cash. (b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete liquidation for each REMIC at the expense of the Trust Fund in accordance with the terms and conditions of this Agreement. Section 9.03. Termination of Multiple REMICs. If the REMIC Administrator makes two or more separate REMIC elections, the applicable REMIC shall be terminated on the earlier of the Final Distribution Date and the date on which it is deemed to receive the last deemed distributions on the related Uncertificated REMIC Regular Interests and the last distribution due on the Certificates is made. 100 ARTICLE X REMIC PROVISIONS Section 10.01. REMIC Administration. (a) The REMIC Administrator shall make an election to treat the Trust Fund as one or more REMICs under the Code and, if necessary, under applicable state law. The assets of each such REMIC will be set forth in the Series Supplement. Such election will be made on Form 1066 or other appropriate federal tax or information return (including Form 8811) or any appropriate state return for the taxable year ending on the last day of the calendar year in which the Certificates are issued. For the purposes of each REMIC election in respect of the Trust Fund, Certificates and interests to be designated as the "regular interests" and the sole class of "residual interests" in the REMIC will be set forth in Section 10.03 of the Series Supplement. The REMIC Administrator and the Trustee shall not permit the creation of any "interests" (within the meaning of Section 860G of the Code) in any REMIC elected in respect of the Trust Fund other than the "regular interests" and "residual interests" so designated. (b) The Closing Date is hereby designated as the "startup day" of the Trust Fund within the meaning of Section 860G(a)(9) of the Code. (c) The REMIC Administrator shall hold a Class R Certificate representing a 0.01% Percentage Interest each Class of the Class R Certificates and shall be designated as "the tax matters person" with respect to each REMIC in the manner provided under Treasury regulations section 1.860F-4(d) and Treasury regulations section 301.6231(a)(7)-1. The REMIC Administrator, as tax matters person, shall (i) act on behalf of each REMIC in relation to any tax matter or controversy involving the Trust Fund and (ii) represent the Trust Fund in any administrative or judicial proceeding relating to an examination or audit by any governmental taxing authority with respect thereto. The legal expenses, including without limitation attorneys' or accountants' fees, and costs of any such proceeding and any liability resulting therefrom shall be expenses of the Trust Fund and the REMIC Administrator shall be entitled to reimbursement therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 unless such legal expenses and costs are incurred by reason of the REMIC Administrator's willful misfeasance, bad faith or gross negligence. If the REMIC Administrator is no longer the Master Servicer hereunder, at its option the REMIC Administrator may continue its duties as REMIC Administrator and shall be paid reasonable compensation not to exceed $3,000 per year by any successor Master Servicer hereunder for so acting as the REMIC Administrator. 101 (d) The REMIC Administrator shall prepare or cause to be prepared all of the Tax Returns that it determines are required with respect to each REMIC created hereunder and deliver such Tax Returns in a timely manner to the Trustee and the Trustee shall sign and file such Tax Returns in a timely manner. The expenses of preparing such returns shall be borne by the REMIC Administrator without any right of reimbursement therefor. The REMIC Administrator agrees to indemnify and hold harmless the Trustee with respect to any tax or liability arising from the Trustee's signing of Tax Returns that contain errors or omissions. The Trustee and Master Servicer shall promptly provide the REMIC Administrator with such information as the REMIC Administrator may from time to time request for the purpose of enabling the REMIC Administrator to prepare Tax Returns. (e) The REMIC Administrator shall provide (i) to any Transferor of a Class R Certificate such information as is necessary for the application of any tax relating to the transfer of a Class R Certificate to any Person who is not a Permitted Transferee, (ii) to the Trustee, and the Trustee shall forward to the Certificateholders, such information or reports as are required by the Code or the REMIC Provisions including reports relating to interest, original issue discount and market discount or premium (using the Prepayment Assumption) and (iii) to the Internal Revenue Service the name, title, address and telephone number of the person who will serve as the representative of each REMIC. (f) The Master Servicer and the REMIC Administrator shall take such actions and shall cause each REMIC created hereunder to take such actions as are reasonably within the Master Servicer's or the REMIC Administrator's control and the scope of its duties more specifically set forth herein as shall be necessary or desirable to maintain the status of each REMIC as a REMIC under the REMIC Provisions (and the Trustee shall assist the Master Servicer and the REMIC Administrator, to the extent reasonably requested by the Master Servicer and the REMIC Administrator to do so). The Master Servicer and the REMIC Administrator shall not knowingly or intentionally take any action, cause the Trust Fund to take any action or fail to take (or fail to cause to be taken) any action reasonably within their respective control that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of any portion of any REMIC formed under the Series Supplement as a REMIC or (ii) result in the imposition of a tax upon any such REMIC (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC set forth in Section 860G(d) of the Code) (either such event, in the absence of an Opinion of Counsel or the indemnification referred to in this sentence, an "Adverse REMIC Event") unless the Master Servicer or the REMIC Administrator, as applicable, has received an Opinion of Counsel (at the expense of the party seeking to take such action or, if such party fails to pay such expense, and the Master Servicer or the REMIC Administrator, as applicable, determines that taking such action is in the best interest of the Trust Fund and the Certificateholders, at the expense of the Trust Fund, but in no event at the expense of the Master Servicer, the REMIC Administrator or the Trustee) to the effect that the contemplated action will not, with respect to each REMIC created hereunder, endanger such status or, unless the Master Servicer, the REMIC Administrator or both, as applicable, determine in its or their sole discretion to indemnify the Trust Fund against the imposition of such a tax, result in the imposition of such a tax. Wherever in this Agreement a contemplated action may not be taken because the timing of such action might result in the imposition of a tax on the Trust Fund, or may only be taken pursuant to an Opinion of Counsel that such action would not impose a tax on the Trust Fund, such action may nonetheless be taken provided that the indemnity given in the preceding sentence with respect to any taxes that might be imposed on the Trust Fund has been given and that all other preconditions to the taking of such action have been satisfied. The Trustee shall not take or fail to take any action (whether or not authorized hereunder) as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that it has received an Opinion of Counsel to the effect that an Adverse REMIC Event could occur with respect to such action. In addition, prior to taking any action with respect to any REMIC created hereunder or any related assets thereof, or causing any such REMIC to take any action, which is not expressly permitted under the terms of this Agreement, the Trustee will consult with the Master Servicer or the REMIC Administrator, as applicable, or its designee, in writing, with respect to whether such action could cause an 102 Adverse REMIC Event to occur with respect to any such REMIC, and the Trustee shall not take any such action or cause any such REMIC to take any such action as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that an Adverse REMIC Event could occur. The Master Servicer or the REMIC Administrator, as applicable, may consult with counsel to make such written advice, and the cost of same shall be borne by the party seeking to take the action not expressly permitted by this Agreement, but in no event at the expense of the Master Servicer or the REMIC Administrator. At all times as may be required by the Code, the Master Servicer will to the extent within its control and the scope of its duties more specifically set forth herein, maintain substantially all of the assets of each REMIC created hereunder as "qualified mortgages" as defined in Section 860G(a)(3) of the Code and "permitted investments" as defined in Section 860G(a)(5) of the Code. (g) In the event that any tax is imposed on "prohibited transactions" of any REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on "net income from foreclosure property" of any such REMIC as defined in Section 860G(c) of the Code, on any contributions to any such REMIC after the Startup Day therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Master Servicer, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under this Agreement or the Master Servicer has in its sole discretion determined to indemnify the Trust Fund against such tax, (ii) to the Trustee, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article X, or (iii) otherwise against amounts on deposit in the Custodial Account as provided by Section 3.10 and on the Distribution Date(s) following such reimbursement the aggregate of such taxes shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such taxes constituted a Prepayment Interest Shortfall. (h) The Trustee and the Master Servicer shall, for federal income tax purposes, maintain books and records with respect to each REMIC created hereunder on a calendar year and on an accrual basis or as otherwise may be required by the REMIC Provisions. (i) Following the Startup Day, neither the Master Servicer nor the Trustee shall accept any contributions of assets to any REMIC created hereunder unless (subject to Section 10.01(f)) the Master Servicer and the Trustee shall have received an Opinion of Counsel (at the expense of the party seeking to make such contribution) to the effect that the inclusion of such assets in such REMIC will not cause the REMIC to fail to qualify as a REMIC at any time that any Certificates are outstanding or subject the REMIC to any tax under the REMIC Provisions or other applicable provisions of federal, state and local law or ordinances. (j) Neither the Master Servicer nor the Trustee shall (subject to Section 10.01(f)) enter into any arrangement by which any REMIC created hereunder will receive a fee or other compensation for services nor permit any such REMIC to receive any income from assets other than "qualified mortgages" as defined in Section 860G(a)(3) of the Code or "permitted investments" as defined in Section 860G(a)(5) of the Code. 103 (k) Solely for the purposes of Section 1.860G-1(a)(4)(iii) of the Treasury Regulations, the "latest possible maturity date" by which the Certificate Principal Balance of each Class of Certificates (other than the Interest Only Certificates) representing a regular interest in the applicable REMIC and the Uncertificated Principal Balance of each Uncertificated REMIC Regular Interest (other than each Uncertificated REMIC Regular Interest represented by a Class A-V Certificate, if any) and the rights to the Interest Only Certificates and Uncertificated REMIC Regular Interest represented by a Class A-V Certificate would be reduced to zero is the Maturity Date for each such Certificate and Interest. (l) Within 30 days after the Closing Date, the REMIC Administrator shall prepare and file with the Internal Revenue Service Form 8811, "Information Return for Real Estate Mortgage Investment Conduits (REMIC) and Issuers of Collateralized Debt Obligations" for each REMIC created hereunder. (m) Neither the Trustee nor the Master Servicer shall sell, dispose of or substitute for any of the Mortgage Loans (except in connection with (i) the default, imminent default or foreclosure of a Mortgage Loan, including but not limited to, the acquisition or sale of a Mortgaged Property acquired by deed in lieu of foreclosure, (ii) the bankruptcy of any REMIC created hereunder, (iii) the termination of any such REMIC pursuant to Article IX of this Agreement or (iv) a purchase of Mortgage Loans pursuant to Article II or III of this Agreement) nor acquire any assets for any such REMIC, nor sell or dispose of any investments in the Custodial Account or the Certificate Account for gain nor accept any contributions to any such REMIC after the Closing Date unless it has received an Opinion of Counsel that such sale, disposition, substitution or acquisition will not (a) affect adversely the status of such REMIC as a REMIC or (b) unless the Master Servicer has determined in its sole discretion to indemnify the Trust Fund against such tax, cause such REMIC to be subject to a tax on "prohibited transactions" or "contributions" pursuant to the REMIC Provisions. Section 10.02. Master Servicer, REMIC Administrator and Trustee Indemnification. (a) The Trustee agrees to indemnify the Trust Fund, the Company, the REMIC Administrator and the Master Servicer for any taxes and costs including, without limitation, any reasonable attorneys fees imposed on or incurred by the Trust Fund, the Company or the Master Servicer, as a result of a breach of the Trustee's covenants set forth in Article VIII or this Article X. (b) The REMIC Administrator agrees to indemnify the Trust Fund, the Company, the Master Servicer and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Company, the Master Servicer or the Trustee, as a result of a breach of the REMIC Administrator's covenants set forth in this Article X with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the REMIC Administrator that contain errors or omissions; provided, however, that such liability will not be imposed to the extent such breach is a result of an error or omission in information provided to the REMIC Administrator by the Master Servicer in which case Section 10.02(c) will apply. 104 (c) The Master Servicer agrees to indemnify the Trust Fund, the Company, the REMIC Administrator and the Trustee for any taxes and costs (including, without limitation, any reasonable attorneys' fees) imposed on or incurred by the Trust Fund, the Company, the REMIC Administrator or the Trustee, as a result of a breach of the Master Servicer's covenants set forth in this Article X or in Article III with respect to compliance with the REMIC Provisions, including without limitation, any penalties arising from the Trustee's execution of Tax Returns prepared by the Master Servicer that contain errors or omissions. Section 10.03. Designation of REMIC(s). As provided in Section 10.03 of the Series Supplement. 105 ARTICLE XI MISCELLANEOUS PROVISIONS Section 11.01. Amendment. (a) This Agreement or any Custodial Agreement may be amended from time to time by the Company, the Master Servicer and the Trustee, without the consent of any of the Certificateholders: (i) to cure any ambiguity, (ii) to correct or supplement any provisions herein or therein, which may be inconsistent with any other provisions herein or therein or to correct any error, (iii)to modify, eliminate or add to any of its provisions to such extent as shall be necessary or desirable to maintain the qualification of the Trust Fund as a REMIC at all times that any Certificate is outstanding or to avoid or minimize the risk of the imposition of any tax on the Trust Fund pursuant to the Code that would be a claim against the Trust Fund, provided that the Trustee has received an Opinion of Counsel to the effect that (A) such action is necessary or desirable to maintain such qualification or to avoid or minimize the risk of the imposition of any such tax and (B) such action will not adversely affect in any material respect the interests of any Certificateholder, (iv) to change the timing and/or nature of deposits into the Custodial Account or the Certificate Account or to change the name in which the Custodial Account is maintained, provided that (A) the Certificate Account Deposit Date shall in no event be later than the related Distribution Date, (B) such change shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder and (C) such change shall not result in a reduction of the rating assigned to any Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, (v) to modify, eliminate or add to the provisions of Section 5.02(f) or any other provision hereof restricting transfer of the Class R Certificates, by virtue of their being the "residual interests" in a REMIC, provided that (A) such change shall not result in reduction of the rating assigned to any such Class of Certificates below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date, as evidenced by a letter from each Rating Agency to such effect, and (B) such change shall not (subject to Section 10.01(f)), as evidenced by an Opinion of Counsel (at the expense of the party seeking so to modify, eliminate or add such provisions), cause any REMIC created hereunder or any of the Certificateholders (other than the transferor) to be subject to a federal tax caused by a transfer to a Person that is not a Permitted Transferee, (vi) to make any other provisions with respect to matters or questions arising under this Agreement or such Custodial Agreement which shall not be materially inconsistent with the provisions of this Agreement, provided that such action shall not, as evidenced by an Opinion of Counsel, adversely affect in any material respect the interests of any Certificateholder or 106 (vii)to amend any provision herein or therein that is not material to any of the Certificateholders. (b) This Agreement or any Custodial Agreement may also be amended from time to time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall: (i) reduce in any manner the amount of, or delay the timing of, payments which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) reduce the aforesaid percentage of Certificates of any Class the Holders of which are required to consent to any such amendment, in any such case without the consent of the Holders of all Certificates of such Class then outstanding. (c) Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel (subject to Section 10.01(f) and at the expense of the party seeking such amendment) to the effect that such amendment or the exercise of any power granted to the Master Servicer, the Company or the Trustee in accordance with such amendment will not result in the imposition of a federal tax on the Trust Fund or cause any REMIC created under the Series Supplement to fail to qualify as a REMIC at any time that any Certificate is outstanding. (d) Promptly after the execution of any such amendment the Trustee shall furnish written notification of the substance of such amendment to the Custodian and each Certificateholder. It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe. (e) The Company shall have the option, in its sole discretion, to obtain and deliver to the Trustee any corporate guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or any combination of the foregoing, for the purpose of protecting the Holders of the Class B Certificates against any or all Realized Losses or other shortfalls. Any such instrument or fund shall be held by the Trustee for the benefit of the Class B Certificateholders, but shall not be and shall not be deemed to be under any circumstances included in the Trust Fund. To the extent that any such instrument or fund constitutes a reserve fund for federal income tax purposes, (i) any reserve fund so established shall be an outside reserve 107 fund and not an asset of the Trust Fund, (ii) any such reserve fund shall be owned by the Company, and (iii) amounts transferred by the Trust Fund to any such reserve fund shall be treated as amounts distributed by the Trust Fund to the Company or any successor, all within the meaning of Treasury Regulations Section 1.860G-2(h) as it reads as of the Cut-off Date. In connection with the provision of any such instrument or fund, this Agreement and any provision hereof may be modified, added to, deleted or otherwise amended in any manner that is related or incidental to such instrument or fund or the establishment or administration thereof, such amendment to be made by written instrument executed or consented to by the Company but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of the Senior Certificateholders, the Class M Certificateholders, the Master Servicer or the Trustee, as applicable; provided that the Company obtains (subject to Section 10.01(f)) an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment will not cause (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code and (b) any REMIC created hereunder to fail to qualify as a REMIC at any time that any Certificate is outstanding. In the event that the Company elects to provide such coverage in the form of a limited guaranty provided by General Motors Acceptance Corporation, the Company may elect that the text of such amendment to this Agreement shall be substantially in the form attached hereto as Exhibit K (in which case Residential Funding's Subordinate Certificate Loss Obligation as described in such exhibit shall be established by Residential Funding's consent to such amendment) and that the limited guaranty shall be executed in the form attached hereto as Exhibit L, with such changes as the Company shall deem to be appropriate; it being understood that the Trustee has reviewed and approved the content of such forms and that the Trustee's consent or approval to the use thereof is not required. Section 11.02. Recordation of Agreement; Counterparts. (a) To the extent permitted by applicable law, this Agreement is subject to recordation in all appropriate public offices for real property records in all the counties or other comparable jurisdictions in which any or all of the properties subject to the Mortgages are situated, and in any other appropriate public recording office or elsewhere, such recordation to be effected by the Master Servicer and at its expense on direction by the Trustee (pursuant to the request of Holders of Certificates entitled to at least 25% of the Voting Rights), but only upon direction accompanied by an Opinion of Counsel to the effect that such recordation materially and beneficially affects the interests of the Certificateholders. (b) For the purpose of facilitating the recordation of this Agreement as herein provided and for other purposes, this Agreement may be executed simultaneously in any number of counterparts, each of which counterparts shall be deemed to be an original, and such counterparts shall constitute but one and the same instrument. 108 Section 11.03. Limitation on Rights of Certificateholders. (a) The death or incapacity of any Certificateholder shall not operate to terminate this Agreement or the Trust Fund, nor entitle such Certificateholder's legal representatives or heirs to claim an accounting or to take any action or proceeding in any court for a partition or winding up of the Trust Fund, nor otherwise affect the rights, obligations and liabilities of any of the parties hereto. (b) No Certificateholder shall have any right to vote (except as expressly provided herein) or in any manner otherwise control the operation and management of the Trust Fund, or the obligations of the parties hereto, nor shall anything herein set forth, or contained in the terms of the Certificates, be construed so as to constitute the Certificateholders from time to time as partners or members of an association; nor shall any Certificateholder be under any liability to any third person by reason of any action taken by the parties to this Agreement pursuant to any provision hereof. (c) No Certificateholder shall have any right by virtue of any provision of this Agreement to institute any suit, action or proceeding in equity or at law upon or under or with respect to this Agreement, unless such Holder previously shall have given to the Trustee a written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of Certificates of any Class evidencing in the aggregate not less than 25% of the related Percentage Interests of such Class, shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee, for 60 days after its receipt of such notice, request and offer of indemnity, shall have neglected or refused to institute any such action, suit or proceeding it being understood and intended, and being expressly covenanted by each Certificateholder with every other Certificateholder and the Trustee, that no one or more Holders of Certificates of any Class shall have any right in any manner whatever by virtue of any provision of this Agreement to affect, disturb or prejudice the rights of the Holders of any other of such Certificates of such Class or any other Class, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this Agreement, except in the manner herein provided and for the common benefit of Certificateholders of such Class or all Classes, as the case may be. For the protection and enforcement of the provisions of this Section 11.03, each and every Certificateholder and the Trustee shall be entitled to such relief as can be given either at law or in equity. Section 11.04. Governing Law. This agreement and the Certificates shall be governed by and construed in accordance with the laws of the State of New York and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws. 109 Section 11.05. Notices. As provided in Section 11.05 of the Series Supplement. Section 11.06. Required Notices to Rating Agency and Subservicer. The Company, the Master Servicer or the Trustee, as applicable, shall notify each Rating Agency and the Subservicer at such time as it is otherwise required pursuant to this Agreement to give notice of the occurrence of, any of the events described in clause (a), (b), (c), (d), (g), (h), (i) or (j) below or provide a copy to each Rating Agency at such time as otherwise required to be delivered pursuant to this Agreement of any of the statements described in clauses (e) and (f) below: (a) a material change or amendment to this Agreement, (b) the occurrence of an Event of Default, (c) the termination or appointment of a successor Master Servicer or Trustee or a change in the majority ownership of the Trustee, (d) the filing of any claim under the Master Servicer's blanket fidelity bond and the errors and omissions insurance policy required by Section 3.12 or the cancellation or modification of coverage under any such instrument, (e) the statement required to be delivered to the Holders of each Class of Certificates pursuant to Section 4.03, (f) the statements required to be delivered pursuant to Sections 3.18 and 3.19, (g) a change in the location of the Custodial Account or the Certificate Account, (h) the occurrence of any monthly cash flow shortfall to the Holders of any Class of Certificates resulting from the failure by the Master Servicer to make an Advance pursuant to Section 4.04, (i) the occurrence of the Final Distribution Date, and (j) the repurchase of or substitution for any Mortgage Loan, provided, however, that with respect to notice of the occurrence of the events described in clauses (d), (g) or (h) above, the Master Servicer shall provide prompt written notice to each Rating Agency and the Subservicer of any such event known to the Master Servicer. Section 11.07. Severability of Provisions. If any one or more of the covenants, agreements, provisions or terms of this Agreement shall be for any reason whatsoever held invalid, then such covenants, agreements, provisions or terms shall be deemed severable from the 110 remaining covenants, agreements, provisions or terms of this Agreement and shall in no way affect the validity or enforceability of the other provisions of this Agreement or of the Certificates or the rights of the Holders thereof. Section 11.08. Supplemental Provisions for Resecuritization. This Agreement may be supplemented by means of the addition of a separate Article hereto (a "Supplemental Article") for the purpose of resecuritizing any of the Certificates issued hereunder, under the following circumstances. With respect to any Class or Classes of Certificates issued hereunder, or any portion of any such Class, as to which the Company or any of its Affiliates (or any designee thereof) is the registered Holder (the "Resecuritized Certificates"), the Company may deposit such Resecuritized Certificates into a new REMIC, grantor trust, FASIT or custodial arrangement (a "Restructuring Vehicle") to be held by the Trustee pursuant to a Supplemental Article. The instrument adopting such Supplemental Article shall be executed by the Company, the Master Servicer and the Trustee; provided, that neither the Master Servicer nor the Trustee shall withhold their consent thereto if their respective interests would not be materially adversely affected thereby. To the extent that the terms of the Supplemental Article do not in any way affect any provisions of this Agreement as to any of the Certificates initially issued hereunder, the adoption of the Supplemental Article shall not constitute an "amendment" of this Agreement. Each Supplemental Article shall set forth all necessary provisions relating to the holding of the Resecuritized Certificates by the Trustee, the establishment of the Restructuring Vehicle, the issuing of various classes of new certificates by the Restructuring Vehicle and the distributions to be made thereon, and any other provisions necessary for the purposes thereof. In connection with each Supplemental Article, the Company shall deliver to the Trustee an Opinion of Counsel to the effect that (i) the Restructuring Vehicle will qualify as a REMIC, grantor trust, FASIT or other entity not subject to taxation for federal income tax purposes and (ii) the adoption of the Supplemental Article will not endanger the status of the Trust Fund as a REMIC or (subject to Section 10.01(f)) result in the imposition of a tax upon the Trust Fund (including but not limited to the tax on prohibited transactions as defined in Section 860F(a)(2) of the Code and the tax on contributions to a REMIC as set forth in Section 860G(d) of the Code). Section 11.09. Allocation of Voting Rights. As provided in Section 11.09 of the Series Supplement. Section 11.10. No Petition. As provided in Section 11.10 of the Series Supplement. 111 EXHIBIT A FORM OF CLASS A CERTIFICATE, [PRINCIPAL ONLY/CLASS A-P] CERTIFICATE AND [INTEREST ONLY/CLASS A-V] CERTIFICATE SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986. UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN.] [THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), [AND ASSUMING A CONSTANT PASS-THROUGH RATE EQUAL TO THE INITIAL PASS-THROUGH RATE,] THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE] [NOTIONAL AMOUNT], THE YIELD TO MATURITY IS [ ]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[ ] PER [$1,000] [$100,000] OF [INITIAL CERTIFICATE PRINCIPAL BALANCE] [NOTIONAL AMOUNT], COMPUTED USING THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE OR AS TO THE CONSTANCY OF THE PASS-THROUGH RATE.] A-1 Certificate No. ________ [________%][Variable] Pass-Through Rate [based on a Notional Amount] Class A- Senior Date of Pooling and Servicing [Percentage Interest:________%] Agreement and Cut-off Date: ___________ 1, ____ Aggregate Initial [Certificate Principal Balance] [[Interest Only/Class A-V] Notional First Distribution Date: Amount] [Subclass Notional Amount] of the _________ 25, ____ Class A- ___ Certificates: Master Servicer: [Initial] [Certificate Principal Residential Funding Balance] [Interest Only/Class A-V] [Subclass] Corporation Notional Amount] of this Certificate: $ _______________________] Assumed Final Distribution Date: CUSIP 76110F- ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE SERIES ____-___ evidencing a percentage interest in the distributions allocable to the Class A- Certificates with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that ____________________________ is the registered owner of the Percentage Interest evidenced by this Certificate [(obtained by dividing the [Initial Certificate Principal Balance] [Initial [Interest Only/Class A-V] Notional Amount] of this Certificate by the aggregate [Initial Certificate Principal Balance of all Class A- Certificates] [Initial [Interest Only/Class A-V] Notional Amounts of all [Interest Only/Class A-V] Certificates], both as specified above)] in certain distributions with respect to the Trust Fund consisting primarily of an interest in a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the A-2 Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount [(of interest and principal, if any)] required to be distributed to Holders of Class A- Certificates on such Distribution Date. [The [Interest Only/Class A-V] Notional Amount of the [Interest Only/Class A-V] Certificates as of any date of determination is equal to the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests represented by such [Interest Only/Class A-V] Certificates.] [The Subclass Notional Amount of the [Interest Only/Class A-V]- Certificates as of any date of determination is equal to the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC Regular Interests represented by such [Interest Only/Class A-V]- Certificates immediately prior to such date.] [The [Interest Only/Class A-V][- ] Certificates have no Certificate Principal Balance.] Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The [Initial Certificate Principal Balance] [Initial [Interest Only/Class A-V] Notional Amount] [initial Subclass Notional Amount] of this Certificate is set forth above.] [The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto.] This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is A-3 reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the A-4 Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. A-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class A- Certificates referred to in the within-mentioned Agreement. [---------------------------], as Certificate Registrar By: Authorized Signatory A-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: ________________________ Dated: ___________ Signature by or on behalf of assignor ____________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________________________ for the account of _______________________________ account number ____________________, or, if mailed by check, to ________________________________________________. Applicable statements should be mailed to ______________________________________. This information is provided by _____________________, the assignee named above, or _____________________________, as its agent. EXHIBIT B FORM OF CLASS M CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES [CLASS M-1 CERTIFICATES] [AND CLASS M-2 CERTIFICATES] AS DESCRIBED IN THE AGREEMENT (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). UNLESS THIS CERTIFICATE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION ("DTC"), TO ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY CERTIFICATE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS AN INTEREST HEREIN. THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT [___]% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[____] OF OID PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS [_____]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[____] PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE. Any Transferee of this Certificate will be deemed to have represented by virtue of its purchase or holding of this Certificate (or interest herein) that EITHER (a) such Transferee is not an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan (a "plan investor"), (B) it has acquired and is holding such Certificate in reliance on Prohibited Transaction Exemption ("PTE") 94-29, 59 Fed. Reg. 14674 (March 29, 1994), as amended by PTE 97-34, 62 Fed. Reg. 39021 (July 21, 1997), and PTE 2000-58, 65 Fed. Reg. 67765 (November 13, 2000) (the "RFC Exemption"), and that it understands that there are certain conditions to the availability of the RFC Exemption including that such Certificate must be rated, at the time of purchase, not lower than "BBB-" (or its equivalent) by Standard & Poor's, Fitch or Moody's or (C) (I) the transferee is an insurance company, (II) the source of funds to be used by it to purchase the Certificate is an "insurance company general account" (within the meaning of U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and (iii) the CONDITIONS SET FORTH IN SECTIONS I AND III OF PTCE 95-60 HAVE BEEN SATISFIED (EACH ENTITY THAT SATISFIES THIS CLAUSE (C), A "cOMPLYING INSURANCE COMPANY). If this Certificate (OR ANY INTEREST HEREIN) IS ACQUIRED OR HELD BY ANY PERSON THAT DOES NOT SATISFY THE CONDITIONS DESCRIBED IN THE PRECEDING PARAGRAPH, THEN THE LAST preceding Transferee that either (i) is not a Plan Investor, (II) ACQUIRED SUCH CERTIFICATE IN COMPLIANCE WITH THE RFC EXEMPTION, or (iiI) is a Complying Insurance Company shall be restored, to the extent permitted by law, to all rights and obligations as Certificate Owner thereof retroactive to the date of such Transfer of this Certificate. The Trustee shall be under no liability to any Person for making any payments due on this Certificate to such preceding Transferee. Any purported Certificate Owner whose acquisition or holding of this Certificate (or interest herein) was effected in violation of the restrictions in Section 5.02(e) of the Pooling and Servicing Agreement shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. B-2 Certificate No. _______ [_______]% Pass-Through Rate Class M- Subordinate Aggregate Certificate Principal Balance Date of Pooling and Servicing of the Class M Certificates: Agreement and Cut-off Date: $__________________ ___________ 1, ____ Initial Certificate Principal First Distribution Date: Balance of this Certificate: _________ 25, ____ $_____________________ Master Servicer: CUSIP: 76110F- Residential Funding Corporation Assumed Final Distribution Date: ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class M- Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that ______________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Certificate Principal Balance of this Certificate by the aggregate Certificate Principal Balance of all Class M- Certificates, both as specified above) in certain distributions with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set B-3 forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class M- Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. As described above, no transfer of this Class M Certificate will be made unless (i) the Trustee has received either an opinion of counsel or a representation letter, each as described in the Agreement, relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, or (ii) this Certificate is held by a Depository, in which case the Transferee will be deemed to have made representations relating to the permissibility of such transfer under ERISA and Section 4975 of the Code, as described in Section 5.02(e) of the Agreement. In addition, any purported Certificate Owner whose acquisition or holding of this Certificate (or interest herein) was effected in violation of the restrictions in Section 5.02(e) of the Agreement shall indemnify and hold harmless the Company, the Trustee, the Master Servicer, any Subservicer, and the Trust Fund from and against any and all liabilities, claims, costs or expenses incurred by such parties as a result of such acquisition or holding. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more B-4 specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is B-5 registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. B-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [-------------------------], as Certificate Registrar By: Authorized Signatory B-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: ___________________________________ Dated: ___________ Signature by or on behalf of assignor ____________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________________________ for the account of _______________________________ account number ____________________, or, if mailed by check, to ________________________________________________. Applicable statements should be mailed to ______________________________________. This information is provided by _____________________, the assignee named above, or _____________________________, as its agent. EXHIBIT C FORM OF CLASS B CERTIFICATE THIS CERTIFICATE IS SUBORDINATED IN RIGHT OF PAYMENT TO THE SENIOR CERTIFICATES AND CLASS M CERTIFICATES [AND CLASS B-1] [CLASS B-2 CERTIFICATES] DESCRIBED IN THE AGREEMENT (AS DEFINED HEREIN). THIS CERTIFICATE HAS NOT BEEN AND WILL NOT BE REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED, OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE RESOLD OR TRANSFERRED UNLESS IT IS REGISTERED PURSUANT TO SUCH ACT AND LAWS OR IS SOLD OR TRANSFERRED IN TRANSACTIONS WHICH ARE EXEMPT FROM REGISTRATION UNDER SUCH ACT AND UNDER APPLICABLE STATE LAW AND IS TRANSFERRED IN ACCORDANCE WITH THE PROVISIONS OF SECTION 5.02 OF THE AGREEMENT. NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "REGULAR INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT," AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE CODE. THE FOLLOWING INFORMATION IS PROVIDED SOLELY FOR THE PURPOSES OF APPLYING THE U.S. FEDERAL INCOME TAX ORIGINAL ISSUE DISCOUNT ("OID") RULES TO THIS CERTIFICATE. THE ISSUE DATE OF THIS CERTIFICATE IS ___________ __, ____. ASSUMING THAT THE MORTGAGE LOANS PREPAY AT 100% OF THE PREPAYMENT SPEED ASSUMPTION (AS DESCRIBED IN THE PROSPECTUS SUPPLEMENT), THIS CERTIFICATE HAS BEEN ISSUED WITH NO MORE THAN $[ ] OF OID PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, THE YIELD TO MATURITY IS [ ]% AND THE AMOUNT OF OID ATTRIBUTABLE TO THE INITIAL ACCRUAL PERIOD IS NO MORE THAN $[ ] PER $[1,000] OF INITIAL CERTIFICATE PRINCIPAL BALANCE, COMPUTED UNDER THE APPROXIMATE METHOD. NO REPRESENTATION IS MADE THAT THE MORTGAGE LOANS WILL PREPAY AT A RATE BASED ON THE PREPAYMENT SPEED ASSUMPTION OR AT ANY OTHER RATE. Certificate No. ______ [______]% Pass-Through Rate Class B- ___ Subordinate Aggregate Certificate Principal Balance Date of Pooling and Servicing of the Class B-___ Agreement and Cut-off Date: Certificates as of ___________ 1, ____ the Cut-off Date: $____________________ First Distribution Date: _________ 25, ____ Initial Certificate Principal Balance of this Certificate: Master Servicer: $__________________ Residential Funding Corporation Assumed Final Distribution Date: ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class B- Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. This certifies that Residential Accredit Loans, Inc. is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Certificate Principal Balance of this Certificate by the aggregate Certificate Principal Balance of all Class B-___ Certificates, both as specified above) in certain distributions with respect to a Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of C-2 which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing on the first Distribution Date specified above, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month next preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class B Certificates on such Distribution Date. Distributions on this Certificate will be made either by the Master Servicer acting on behalf of the Trustee or by a Paying Agent appointed by the Trustee in immediately available funds (by wire transfer or otherwise) for the account of the Person entitled thereto if such Person shall have so notified the Master Servicer or such Paying Agent, or by check mailed to the address of the Person entitled thereto, as such name and address shall appear on the Certificate Register. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of the distributions allocable to principal and any Realized Losses allocable hereto. No transfer of this Class B Certificate will be made unless such transfer is exempt from the registration requirements of the Securities Act of 1933, as amended, and any applicable state securities laws or is made in accordance with said Act and laws. In the event that such a transfer is to be made, (i) the Trustee or the Company may require an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee and the Company that such transfer is exempt (describing the applicable exemption and the basis therefor) from or is being made pursuant to the registration requirements of the Securities Act of 1933, as amended, and of any applicable statute of any state and (ii) the transferee shall execute an investment letter in the form described by the Agreement. The Holder hereof desiring to effect such transfer shall, and does hereby agree to, indemnify the Trustee, the Company, the Master Servicer and the Certificate Registrar acting on behalf of the Trustee against any liability that may result if the transfer is not so exempt or is not made in accordance with such Federal and state laws. In connection with any such transfer, the Trustee will also require either (i) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer with respect to the permissibility of such transfer under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal Revenue Code (the "Code") and stating, among other things, that the transferee's acquisition of a Class B Certificate will not constitute or result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation C-3 letter, in the form as described by Section 5.02(e) of the Agreement, either stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan, or stating that the transferee is an insurance company, the source of funds to be used by it to purchase the Certificate is an "insurance company general account" (within the meaning of Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new C-4 Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. C-5 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_____________________________], as Trustee By: Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class M- Certificates referred to in the within-mentioned Agreement. [_______________________________], as Certificate Registrar By: Authorized Signatory C-6 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: ___________________________________ Dated: ___________ Signature by or on behalf of assignor ____________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________________________ for the account of _______________________________ account number ____________________, or, if mailed by check, to ________________________________________________. Applicable statements should be mailed to ______________________________________. This information is provided by _____________________, the assignee named above, or _____________________________, as its agent. EXHIBIT D FORM OF CLASS R CERTIFICATE THIS CERTIFICATE MAY NOT BE HELD BY OR TRANSFERRED TO A NON-UNITED STATES PERSON OR A DISQUALIFIED ORGANIZATION (AS DEFINED BELOW). SOLELY FOR U.S. FEDERAL INCOME TAX PURPOSES, THIS CERTIFICATE IS A "RESIDUAL INTEREST" IN A "REAL ESTATE MORTGAGE INVESTMENT CONDUIT" AS THOSE TERMS ARE DEFINED, RESPECTIVELY, IN SECTIONS 860G AND 860D OF THE INTERNAL REVENUE CODE OF 1986 (THE "CODE"). NO TRANSFER OF THIS CERTIFICATE MAY BE MADE TO ANY PERSON, UNLESS THE TRANSFEREE PROVIDES EITHER A CERTIFICATION PURSUANT TO SECTION 5.02(e) OF THE AGREEMENT OR AN OPINION OF COUNSEL SATISFACTORY TO THE MASTER SERVICER, THE COMPANY AND THE TRUSTEE THAT THE PURCHASE OF THIS CERTIFICATE WILL NOT CONSTITUTE OR RESULT IN A NON-EXEMPT PROHIBITED TRANSACTION UNDER SECTION 406 OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED ("ERISA"), OR SECTION 4975 OF THE CODE AND WILL NOT SUBJECT THE MASTER SERVICER, THE COMPANY OR THE TRUSTEE TO ANY OBLIGATION OR LIABILITY IN ADDITION TO THOSE UNDERTAKEN IN THE AGREEMENT. ANY RESALE, TRANSFER OR OTHER DISPOSITION OF THIS CERTIFICATE MAY BE MADE ONLY IF THE PROPOSED TRANSFEREE PROVIDES A TRANSFER AFFIDAVIT TO THE MASTER SERVICER AND THE TRUSTEE THAT (1) SUCH TRANSFEREE IS NOT (A) THE UNITED STATES, ANY STATE OR POLITICAL SUBDIVISION THEREOF, ANY POSSESSION OF THE UNITED STATES, OR ANY AGENCY OR INSTRUMENTALITY OF ANY OF THE FOREGOING (OTHER THAN AN INSTRUMENTALITY WHICH IS A CORPORATION IF ALL OF ITS ACTIVITIES ARE SUBJECT TO TAX AND EXCEPT FOR FREDDIE MAC, A MAJORITY OF ITS BOARD OF DIRECTORS IS NOT SELECTED BY SUCH GOVERNMENTAL UNIT), (B) A FOREIGN GOVERNMENT, ANY INTERNATIONAL ORGANIZATION, OR ANY AGENCY OR INSTRUMENTALITY OF EITHER OF THE FOREGOING, (C) ANY ORGANIZATION (OTHER THAN CERTAIN FARMERS' COOPERATIVES DESCRIBED IN SECTION 521 OF THE CODE) WHICH IS EXEMPT FROM THE TAX IMPOSED BY CHAPTER 1 OF THE CODE UNLESS SUCH ORGANIZATION IS SUBJECT TO THE TAX IMPOSED BY SECTION 511 OF THE CODE (INCLUDING THE TAX IMPOSED BY SECTION 511 OF THE CODE ON UNRELATED BUSINESS TAXABLE INCOME), (D) RURAL ELECTRIC AND TELEPHONE COOPERATIVES DESCRIBED IN SECTION 1381(a)(2)(C) OF THE CODE, (E) AN ELECTING LARGE PARTNERSHIP UNDER SECTION 775(a) OF THE CODE (ANY SUCH PERSON DESCRIBED IN THE FOREGOING CLAUSES (A), (B), (C), (D) OR (E) BEING HEREIN REFERRED TO AS A "DISQUALIFIED ORGANIZATION"), OR (F) AN AGENT OF A DISQUALIFIED ORGANIZATION, (2) NO PURPOSE OF SUCH TRANSFER IS TO IMPEDE THE ASSESSMENT OR COLLECTION OF TAX AND (3) SUCH TRANSFEREE SATISFIES CERTAIN ADDITIONAL CONDITIONS RELATING TO THE FINANCIAL CONDITION OF THE PROPOSED TRANSFEREE. NOTWITHSTANDING THE REGISTRATION IN THE CERTIFICATE REGISTER OR ANY TRANSFER, SALE OR OTHER DISPOSITION OF THIS CERTIFICATE TO A DISQUALIFIED ORGANIZATION OR AN AGENT OF A DISQUALIFIED ORGANIZATION, SUCH REGISTRATION SHALL BE DEEMED TO BE OF NO LEGAL FORCE OR EFFECT WHATSOEVER AND SUCH PERSON SHALL NOT BE DEEMED TO BE A CERTIFICATEHOLDER FOR ANY PURPOSE HEREUNDER, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF DISTRIBUTIONS ON THIS CERTIFICATE. EACH HOLDER OF THIS CERTIFICATE BY ACCEPTANCE OF THIS CERTIFICATE SHALL BE DEEMED TO HAVE CONSENTED TO THE PROVISIONS OF THIS PARAGRAPH. Certificate No.________ [______]% Pass-Through Rate Class R Senior Aggregate Initial Certificate Principal Balance of the Date of Pooling and Servicing Class R Certificates: Agreement and Cut-off Date: $100.00 ___________ 1, ____ Initial Certificate Principal First Distribution Date: Balance of this Certificate: _________ 25, ____ $__________________ Master Servicer: Percentage Interest: Residential Funding Corporation _________________ % Assumed Final Distribution Date: CUSIP 76110F- ___________ 25, ____ MORTGAGE ASSET-BACKED PASS-THROUGH CERTIFICATE, SERIES ____-___ evidencing a percentage interest in any distributions allocable to the Class R Certificates with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans formed and sold by RESIDENTIAL ACCREDIT LOANS, INC. This Certificate is payable solely from the assets of the Trust Fund, and does not represent an obligation of or interest in Residential Accredit Loans, Inc., the Master Servicer, the Trustee referred to below or GMAC Mortgage Group, Inc. or any of their affiliates. Neither this Certificate nor the underlying Mortgage Loans are guaranteed or insured by any governmental agency or instrumentality or by Residential Accredit Loans, Inc., the Master Servicer, the Trustee or GMAC Mortgage Group, Inc. or any of their affiliates. None of the Company, the Master Servicer, GMAC Mortgage Group, Inc. or any of their affiliates will have any obligation with respect to any certificate or other obligation secured by or payable from payments on the Certificates. D-2 This certifies that _____________________ is the registered owner of the Percentage Interest evidenced by this Certificate (obtained by dividing the Initial Certificate Principal Balance of this Certificate by the aggregate Initial Certificate Principal Balance of all Class R Certificates, both as specified above) in certain distributions with respect to the Trust Fund consisting primarily of a pool of conventional one- to four-family fixed interest rate first mortgage loans (the "Mortgage Loans"), formed and sold by Residential Accredit Loans, Inc. (hereinafter called the "Company," which term includes any successor entity under the Agreement referred to below). The Trust Fund was created pursuant to a Pooling and Servicing Agreement dated as specified above (the "Agreement") among the Company, the Master Servicer and __________________, as trustee (the "Trustee"), a summary of certain of the pertinent provisions of which is set forth hereafter. To the extent not defined herein, the capitalized terms used herein have the meanings assigned in the Agreement. This Certificate is issued under and is subject to the terms, provisions and conditions of the Agreement, to which Agreement the Holder of this Certificate by virtue of the acceptance hereof assents and by which such Holder is bound. Pursuant to the terms of the Agreement, a distribution will be made on the 25th day of each month or, if such 25th day is not a Business Day, the Business Day immediately following (the "Distribution Date"), commencing as described in the Agreement, to the Person in whose name this Certificate is registered at the close of business on the last day (or if such last day is not a Business Day, the Business Day immediately preceding such last day) of the month immediately preceding the month of such distribution (the "Record Date"), from the Available Distribution Amount in an amount equal to the product of the Percentage Interest evidenced by this Certificate and the amount (of interest and principal, if any) required to be distributed to Holders of Class R Certificates on such Distribution Date. Each Holder of this Certificate will be deemed to have agreed to be bound by the restrictions set forth in the Agreement to the effect that (i) each person holding or acquiring any Ownership Interest in this Certificate must be a United States Person and a Permitted Transferee, (ii) the transfer of any Ownership Interest in this Certificate will be conditioned upon the delivery to the Trustee of, among other things, an affidavit to the effect that it is a United States Person and Permitted Transferee, (iii) any attempted or purported transfer of any Ownership Interest in this Certificate in violation of such restrictions will be absolutely null and void and will vest no rights in the purported transferee, and (iv) if any person other than a United States Person and a Permitted Transferee acquires any Ownership Interest in this Certificate in violation of such restrictions, then the Company will have the right, in its sole discretion and without notice to the Holder of this Certificate, to sell this Certificate to a purchaser selected by the Company, which purchaser may be the Company, or any affiliate of the Company, on such terms and conditions as the Company may choose. Notwithstanding the above, the final distribution on this Certificate will be made after due notice of the pendency of such distribution and only upon presentation and surrender of this Certificate at the office or agency appointed by the Trustee for that purpose in the City and State of New York. The Initial Certificate Principal Balance of this Certificate is set forth above. The Certificate Principal Balance hereof will be reduced to the extent of distributions allocable to principal and any Realized Losses allocable hereto. Notwithstanding the reduction of the Certificate Principal Balance hereof to D-3 zero, this Certificate will remain outstanding under the Agreement and the Holder hereof may have additional obligations with respect to this Certificate, including tax liabilities, and may be entitled to certain additional distributions hereon, in accordance with the terms and provisions of the Agreement. No transfer of this Class R Certificate will be made unless the Trustee has received either (i) an opinion of counsel acceptable to and in form and substance satisfactory to the Trustee, the Company and the Master Servicer with respect to the permissibility of such transfer under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), and Section 4975 of the Internal Revenue Code (the "Code") and stating, among other things, that the transferee's acquisition of a Class R Certificate will not constitute or result in a non-exempt prohibited transaction under Section 406 of ERISA or Section 4975 of the Code or (ii) a representation letter, in the form as described by the Agreement, stating that the transferee is not an employee benefit or other plan subject to the prohibited transaction provisions of ERISA or Section 4975 of the Code (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan. This Certificate is one of a duly authorized issue of Certificates issued in several Classes designated as Mortgage Asset-Backed Pass-Through Certificates of the Series specified hereon (herein collectively called the "Certificates"). The Certificates are limited in right of payment to certain collections and recoveries respecting the Mortgage Loans, all as more specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. D-4 As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purpose have the same effect as if set forth at this place. D-5 Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. D-6 IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], as Trustee By: __________________________ Authorized Signatory CERTIFICATE OF AUTHENTICATION This is one of the Class R Certificates referred to in the within-mentioned Agreement. [______________________________], as Certificate Registrar By: _____________________________ Authorized Signatory D-7 ASSIGNMENT FOR VALUE RECEIVED, the undersigned hereby sell(s), assign(s) and transfer(s) unto (Please print or typewrite name and address including postal zip code of assignee) a Percentage Interest evidenced by the within Mortgage Asset-Backed Pass-Through Certificate and hereby authorizes the transfer of registration of such interest to assignee on the Certificate Register of the Trust Fund. I (We) further direct the Certificate Registrar to issue a new Certificate of a like denomination and Class, to the above named assignee and deliver such Certificate to the following address: ___________________________________ Dated: ___________ Signature by or on behalf of assignor ___________________________________ Signature Guaranteed DISTRIBUTION INSTRUCTIONS The assignee should include the following for purposes of distribution: Distributions shall be made, by wire transfer or otherwise, in immediately available funds to ____________________________________ for the account of _______________________________ account number ____________________, or, if mailed by check, to ________________________________________________. Applicable statements should be mailed to ______________________________________. This information is provided by _____________________, the assignee named above, or _____________________________, as its agent. EXHIBIT E FORM OF SELLER/SERVICER CONTRACT This Seller/Servicer Contract (as may be amended, supplemented or otherwise modified from time to time, this "Contract") is made this _____________ day of __________, 20__, by and between Residential Funding Corporation, its successors and assigns ("Residential Funding") and _____________________ (the "Seller/Servicer," and, together with Residential Funding, the "parties" and each, individually, a "party"). WHEREAS, the Seller/Servicer desires to sell Loans to, and/or service Loans for, Residential Funding, and Residential Funding desires to purchase Loans from the Seller/Servicer and/or have the Seller/Servicer service various of its Loans, pursuant to the terms of this Contract and the Residential Funding Seller and Servicer Guides incorporated herein by reference, as amended, supplemented or otherwise modified, from time to time (together, the "Guides"). NOW, THEREFORE, in consideration of the premises, and the terms, conditions and agreements set forth below, the parties agree as follows: 1. INCORPORATION OF GUIDES BY REFERENCE. The Seller/Servicer acknowledges that it has received and read the Guides. All provisions of the Guides are incorporated by reference into and made a part of this Contract, and shall be binding upon the parties; provided, however, that the Seller/Servicer shall be entitled to sell Loans to and/or service Loans for Residential Funding only if and for so long as it shall have been authorized to do so by Residential Funding in writing. Specific reference in this Contract to particular provisions of the Guides and not to other provisions does not mean that those provisions of the Guides not specifically cited in this Contract are not applicable. All terms used herein shall have the same meanings as such terms have in the Guides, unless the context clearly requires otherwise. 2. AMENDMENTS. This Contract may not be amended or modified orally, and no provision of this Contract may be waived or amended except in writing signed by the party against whom enforcement is sought. Such a written waiver or amendment must expressly reference this Contract. However, by their terms, the Guides may be amended or supplemented by Residential Funding from time to time. Any such amendment(s) to the Guides shall be binding upon the parties hereto. 3. REPRESENTATIONS AND WARRANTIES. a. Reciprocal Representations and Warranties. The Seller/Servicer and Residential Funding each represents and warrants to the other that as of the date of this Contract: (1) Each party is duly organized, validly existing, and in good standing under the laws of its jurisdiction of organization, is qualified, if necessary, to do business and in good standing in each jurisdiction in which it is required to be so qualified, and has the requisite power and authority to enter into this Contract and all other agreements which are contemplated by this Contract and to carry out its obligations hereunder and under the Guides and under such other agreements. (2) This Contract has been duly authorized, executed and delivered by each party and constitutes a valid and legally binding agreement of each party enforceable in accordance with its terms. (3) There is no action, proceeding or investigation pending or threatened, and no basis therefor is known to either party, that could affect the validity or prospective validity of this Contract. (4) Insofar as its capacity to carry out any obligation under this Contract is concerned, neither party is in violation of any charter, articles of incorporation, bylaws, mortgage, indenture, indebtedness, agreement, instrument, judgment, decree, order, statute, rule or regulation and none of the foregoing adversely affects its capacity to fulfill any of its obligations under this Contract. Its execution of, and performance pursuant to, this Contract will not result in a violation of any of the foregoing. b. Seller/Servicer's Representations, Warranties and Covenants. In addition to the representations, warranties and covenants made by the Seller/Servicer pursuant to subparagraph (a) of this paragraph 3, the Seller/Servicer makes the representations, warranties and covenants set forth in the Guides and, upon request, agrees to deliver to Residential Funding the certified Resolution of Board of Directors which authorizes the execution and delivery of this Contract. 4. REMEDIES OF RESIDENTIAL FUNDING. If an Event of Seller Default or an Event of Servicer Default shall occur, Residential Funding may, at its option, exercise one or more of those remedies set forth in the Guides. 5. SELLER/SERVICER'S STATUS AS INDEPENDENT CONTRACTOR. At no time shall the Seller/Servicer represent that it is acting as an agent of Residential Funding. The Seller/Servicer shall, at all times, act as an independent contractor. 6. PRIOR AGREEMENTS SUPERSEDED. This Contract restates, amends and supersedes any and all prior Seller Contracts or Servicer Contracts between the parties except that any subservicing agreement executed by the Seller/Servicer in connection with any loan-security exchange transaction shall not be affected. 7. ASSIGNMENT. This Contract may not be assigned or transferred, in whole or in part, by the Seller/Servicer without the prior written consent of Residential Funding. Residential Funding may sell, assign, convey, hypothecate, pledge or in any other way transfer, in whole or in part, without restriction, its rights under this Contract and the Guides with respect to any Commitment or Loan. 8. NOTICES. All notices, requests, demands or other communications that are to be given under this Contract shall be in writing, addressed to the appropriate parties and sent by telefacsimile or by overnight courier or by United States mail, postage prepaid, to the addresses and telefacsimile numbers specified below. However, another name, address and/or telefacsimile number may be substituted by the Seller/Servicer pursuant to the requirements of this paragraph 8, or Residential Funding pursuant to an amendment to the Guides. If to Residential Funding, notices must be sent to the appropriate address or telefacsimile number specified in the Guides. If to the Seller/Servicer, notice must be sent to: Attention:________________________________________ Telefacsimile Number: (_____)___________ - _______________ 9. JURISDICTION AND VENUE. Each of the parties irrevocably submits to the jurisdiction of any state or federal court located in Hennepin County, Minnesota, over any action, suit or proceeding to enforce or defend any right under this Contract or otherwise arising from any loan sale or servicing relationship existing in connection with this Contract, and each of the parties irrevocably agrees that all claims in respect of any such action or proceeding may be heard or determined in such state or federal court. Each of the parties irrevocably waives the defense of an inconvenient forum to the maintenance of any such action or proceeding and any other substantive or procedural rights or remedies it may have with respect to the maintenance of any such action or proceeding in any such forum. Each of the parties agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in any other jurisdiction by suit on the judgment or in any other manner provided by law. Each of the parties further agrees not to institute any legal actions or proceedings against the other party or any director, officer, employee, attorney, agent or property of the other party, arising out of or relating to this Contract in any court other than as hereinabove specified in this paragraph 9. 10. MISCELLANEOUS. E-3 This Contract, including all documents incorporated by reference herein, constitutes the entire understanding between the parties hereto and supersedes all other agreements, covenants, representations, warranties, understandings and communications between the parties, whether written or oral, with respect to the transactions contemplated by this Contract. All paragraph headings contained herein are for convenience only and shall not be construed as part of this Contract. Any provision of this Contract that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining portions hereof or affecting the validity or enforceability of such provision in any other jurisdiction, and, to this end, the provisions hereof are severable. This Contract shall be governed by, and construed and enforced in accordance with, applicable federal laws and the laws of the State of Minnesota. E-4 IN WITNESS WHEREOF, the duly authorized officers of the Seller/Servicer and Residential Funding have executed this Seller/Servicer Contract as of the date first above written. ATTEST: SELLER/SERVICER [Corporate Seal] (Name of Seller/Servicer) By: By: -------------------------------- (Signature) (Signature) By: By: -------------------------------- (Typed Name) (Typed Name) Title: Title: ------------------------------ ======================================= ======================================= ATTEST: RESIDENTIAL FUNDING CORPORATION [Corporate Seal] By: By: -------------------------------- (Signature) (Signature) By: By: -------------------------------- (Typed Name) (Typed Name) Title: Title: ------------------------------ E-5 EXHIBIT F FORMS OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. Pooling and Servicing Agreement Dated: Series#: Account#: Pool#: Loan#: MIN#: Borrower Name(s): Reason for Document Request: (circle one) Mortgage Loan Prepaid in Full Mortgage Loan Repurchased "We hereby certify that all amounts received or to be received in connection with such payments which are required to be deposited have been or will be so deposited as provided in the Pooling and Servicing Agreement." ________________________________ Residential Funding Corporation Authorized Signature ****************************************************************************** TO CUSTODIAN/TRUSTEE: Please acknowledge this request, and check off documents being enclosed with a copy of this form. You should retain this form for your files in accordance with the terms of the Pooling and Servicing Agreement. Enclosed Documents: [ ] Promissory Note [ ] Primary Insurance Policy [ ] Mortgage or Deed of Trust [ ] Assignment(s) of Mortgage or Deed of Trust [ ] Title Insurance Policy [ ] Other: Name: ------------------------ Title: ----------------------- Date: ------------------------ EXHIBIT G-1 FORM OF TRANSFER AFFIDAVIT AND AGREEMENT STATE OF ) ) ss.: COUNTY OF ) [NAME OF OFFICER], being first duly sworn, deposes and says: 1. That he is [Title of Officer] of [Name of Owner] (record or beneficial owner of the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R (the "Owner")), a [savings institution] [corporation] duly organized and existing under the laws of [the State of _______________] [the United States], on behalf of which he makes this affidavit and agreement. 2. That the Owner (i) is not and will not be a "disqualified organization" or an electing large partnership as of [date of transfer] within the meaning of Sections 860E(e)(5) and 775, respectively, of the Internal Revenue Code of 1986, as amended (the "Code") or an electing large partnership under Section 775(a) of the Code, (ii) will endeavor to remain other than a disqualified organization for so long as it retains its ownership interest in the Class R Certificates, and (iii) is acquiring the Class R Certificates for its own account or for the account of another Owner from which it has received an affidavit and agreement in substantially the same form as this affidavit and agreement. (For this purpose, a "disqualified organization" means an electing large partnership under Section 775 of the Code, the United States, any state or political subdivision thereof, any agency or instrumentality of any of the foregoing (other than an instrumentality all of the activities of which are subject to tax and, except for the Federal Home Loan Mortgage Corporation, a majority of whose board of directors is not selected by any such governmental entity) or any foreign government, international organization or any agency or instrumentality of such foreign government or organization, any rural electric or telephone cooperative, or any organization (other than certain farmers' cooperatives) that is generally exempt from federal income tax unless such organization is subject to the tax on unrelated business taxable income). 3. That the Owner is aware (i) of the tax that would be imposed on transfers of Class R Certificates to disqualified organizations or electing large partnerships, under the Code, that applies to all transfers of Class R Certificates after March 31, 1988; (ii) that such tax would be on the transferor (or, with respect to transfers to electing large partnerships, on each such partnership), or, if such transfer is through an agent (which person includes a broker, nominee or middleman) for a disqualified organization, on the agent; (iii) that the person (other than with respect to transfers to electing large partnerships) otherwise liable for the tax shall be relieved of liability for the tax if the transferee furnishes to such person an affidavit that the transferee is not a disqualified organization and, at the time of transfer, such person does not have actual knowledge that the affidavit is false; and (iv) that the Class R Certificates may be "noneconomic residual interests" within the meaning of Treasury regulations promulgated pursuant to the Code and that the transferor of a noneconomic residual interest will remain liable for any taxes due with respect to the income on such residual interest, unless no significant purpose of the transfer was to impede the assessment or collection of tax. 4. That the Owner is aware of the tax imposed on a "pass-through entity" holding Class R Certificates if either the pass-through entity is an electing large partnership under Section 775 of the if at any time during the taxable year of the pass-through entity a disqualified organization is the record holder of an interest in such entity. (For this purpose, a "pass through entity" includes a regulated investment company, a real estate investment trust or common trust fund, a partnership, trust or estate, and certain cooperatives.) 5. The Owner is a citizen or resident of the United States, a corporation, partnership or other entity created or organized in, or under the laws of, the United States or any political subdivision thereof (except in the case of a partnership, to the extent provided in Treasury regulations), or an estate that is described in Section 7701(a)(30)(D) of the Code, or a trust that is described in Section 7701(a)(30)(E) of the Code. 6. That the Owner is aware that the Trustee will not register the transfer of any Class R Certificates unless the transferee, or the transferee's agent, delivers to it an affidavit and agreement, among other things, in substantially the same form as this affidavit and agreement. The Owner expressly agrees that it will not consummate any such transfer if it knows or believes that any of the representations contained in such affidavit and agreement are false. 7. That the Owner has reviewed the restrictions set forth on the face of the Class R Certificates and the provisions of Section 5.02(f) of the Pooling and Servicing Agreement under which the Class R Certificates were issued (in particular, clause (iii)(A) and (iii)(B) of Section 5.02(f) which authorize the Trustee to deliver payments to a person other than the Owner and negotiate a mandatory sale by the Trustee in the event the Owner holds such Certificates in violation of Section 5.02(f)). The Owner expressly agrees to be bound by and to comply with such restrictions and provisions. 8. That the Owner consents to any additional restrictions or arrangements that shall be deemed necessary upon advice of counsel to constitute a reasonable arrangement to ensure that the Class R Certificates will only be owned, directly or indirectly, by an Owner that is not a disqualified organization. 9. The Owner's Taxpayer Identification Number is ______________________ . 10. This affidavit and agreement relates only to the Class R Certificates held by the Owner and not to any other holder of the Class R Certificates. The Owner understands that the liabilities described herein relate only to the Class R Certificates. 11. That no purpose of the Owner relating to the transfer of any of the Class R Certificates by the Owner is or will be to impede the assessment or collection of any tax. 12. That the Owner has no present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Certificates remain outstanding. In this regard, the Owner hereby represents to G-1-2 and for the benefit of the person from whom it acquired the Class R Certificate that the Owner intends to pay taxes associated with holding such Class R Certificate as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificate. 13. That the Owner has no present knowledge or expectation that it will become insolvent or subject to a bankruptcy proceeding for so long as any of the Class R Certificates remain outstanding. 14. The Purchaser is not an employee benefit plan or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (the "Code"), or an investment manager, named fiduciary or a trustee of any such plan, or any other Person acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any such plan. G-1-3 IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by its [Title of Officer] and its corporate seal to be hereunto attached, attested by its [Assistant] Secretary, this _____ day of _____, 200__. [NAME OF OWNER] [Name of Officer] [Title of Officer] [Corporate Seal] ATTEST: ______________________________ [Assistant] Secretary Personally appeared before me the above-named [Name of Officer], known or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer] of the Owner, and acknowledged to me that he executed the same as his free act and deed and the free act and deed of the Owner. Subscribed and sworn before me this ________ day of _____, 200_. NOTARY PUBLIC COUNTY OF --------------------------- STATE OF ---------------------------- My Commission expires the ____ day of ____, 20___. G-1-4 EXHIBIT G-2 FORM OF TRANSFEROR CERTIFICATE _______________, 20___ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 ================== ------------------ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R Ladies and Gentlemen: This letter is delivered to you in connection with the transfer by ____________________ (the "Seller") to _________________ (the "Purchaser") of $______________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class R (the "Certificates"), pursuant to Section 5.02 of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and __________________, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that: 1. No purpose of the Seller relating to the transfer of the Certificate by the Seller to the Purchaser is or will be to impede the assessment or collection of any tax. 2. The Seller understands that the Purchaser has delivered to the Trustee and the Master Servicer a transfer affidavit and agreement in the form attached to the Pooling and Servicing Agreement as Exhibit G-1. The Seller does not know or believe that any representation contained therein is false. 3. The Seller has at the time of the transfer conducted a reasonable investigation of the financial condition of the Purchaser as contemplated by Treasury Regulations Section 1.860E-1(c)(4)(i) and, as a result of that investigation, the Seller has determined that the Purchaser has historically paid its debts as they become due and has found no significant evidence to indicate that the Purchaser will not continue to pay its debts as they become due in the future. The Seller understands that the transfer of a Class R Certificate may not be respected for United States income tax purposes (and the Seller may continue to be liable for United States income taxes associated therewith) unless the Seller has conducted such an investigation. 4. The Seller has no actual knowledge that the proposed Transferee is not both a United States Person and a Permitted Transferee. Very truly yours, (Seller) By: ---------------------------------------- Name: -------------------------------------- Title: ------------------------------------- G-2-2 EXHIBIT H FORM OF INVESTOR REPRESENTATION LETTER , 20 ---------------------------- ---- Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 ================== ------------------ Residential Funding Corporation 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 Attention: Residential Funding Corporation Series ____-___ RE: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, [Class B-] Ladies and Gentlemen: ____________________ (the "Purchaser") intends to purchase from ____________________ (the "Seller") $_______________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer (the "Master Servicer"), and __________________, as trustee (the "Trustee"). All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Purchaser hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee and the Master Servicer that: 1. The Purchaser understands that (a) the Certificates have not been and will not be registered or qualified under the Securities Act of 1933, as amended (the "Act") or any state securities law, (b) the Company is not required to so register or qualify the Certificates, (c) the Certificates may be resold only if registered and qualified pursuant to the provisions of the Act or any state securities law, or if an exemption from such registration and qualification is available, (d) the Pooling and Servicing Agreement contains restrictions regarding the transfer of the Certificates and (e) the Certificates will bear a legend to the foregoing effect. 2. The Purchaser is acquiring the Certificates for its own account for investment only and not with a view to or for sale in connection with any distribution thereof in any manner that would violate the Act or any applicable state securities laws. 3. The Purchaser is (a) a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters, and, in particular, in such matters related to securities similar to the Certificates, such that it is capable of evaluating the merits and risks of investment in the Certificates, (b) able to bear the economic risks of such an investment and (c) an "accredited investor" within the meaning of Rule 501(a) promulgated pursuant to the Act. 4. The Purchaser has been furnished with, and has had an opportunity to review (a) [a copy of the Private Placement Memorandum, dated ______________, 20 ___, relating to the Certificates (b)] a copy of the Pooling and Servicing Agreement and [b] [c] such other information concerning the Certificates, the Mortgage Loans and the Company as has been requested by the Purchaser from the Company or the Seller and is relevant to the Purchaser's decision to purchase the Certificates. The Purchaser has had any questions arising from such review answered by the Company or the Seller to the satisfaction of the Purchaser. [If the Purchaser did not purchase the Certificates from the Seller in connection with the initial distribution of the Certificates and was provided with a copy of the Private Placement Memorandum (the "Memorandum") relating to the original sale (the "Original Sale") of the Certificates by the Company, the Purchaser acknowledges that such Memorandum was provided to it by the Seller, that the Memorandum was prepared by the Company solely for use in connection with the Original Sale and the Company did not participate in or facilitate in any way the purchase of the Certificates by the Purchaser from the Seller, and the Purchaser agrees that it will look solely to the Seller and not to the Company with respect to any damage, liability, claim or expense arising out of, resulting from or in connection with (a) error or omission, or alleged error or omission, contained in the Memorandum, or (b) any information, development or event arising after the date of the Memorandum.] 5. The Purchaser has not and will not nor has it authorized or will it authorize any person to (a) offer, pledge, sell, dispose of or otherwise transfer any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) solicit any offer to buy or to accept a pledge, disposition of other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) otherwise approach or negotiate with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) make any general solicitation by means of general advertising or in any other manner or (e) take any H-2 other action, that (as to any of (a) through (e) above) would constitute a distribution of any Certificate under the Act, that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Purchaser will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement. 6. The Purchaser (a) is not an employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss.2510.3-101; or (b) is an insurance company, the source of funds to be used by it to purchase the Certificates is an "insurance company general account" (within the meaning of DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60. In addition, the Purchaser hereby certifies, represents and warrants to, and covenants with, the Company, the Trustee and the Master Servicer that the Purchaser will not transfer such Certificates to any Plan or person unless such Plan or person meets the requirements set forth in either 6(a) or (b) above. Very truly yours, By: ------------------------------- Name: ----------------------------- Title: ---------------------------- H-3 EXHIBIT I FORM OF TRANSFEROR REPRESENTATION LETTER __________, 20___ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, MN 55437 ================== ------------------ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, [Class B-] Ladies and Gentlemen: In connection with the sale by ___________ (the "Seller") to _____________ (the "Purchaser") of $___________ Initial Certificate Principal Balance of Mortgage Asset-Backed Pass-Through Certificates, Series ____-___, Class (the "Certificates"), issued pursuant to the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and __________________, as trustee (the "Trustee"). The Seller hereby certifies, represents and warrants to, and covenants with, the Company and the Trustee that: Neither the Seller nor anyone acting on its behalf has (a) offered, pledged, sold, disposed of or otherwise transferred any Certificate, any interest in any Certificate or any other similar security to any person in any manner, (b) has solicited any offer to buy or to accept a pledge, disposition or other transfer of any Certificate, any interest in any Certificate or any other similar security from any person in any manner, (c) has otherwise approached or negotiated with respect to any Certificate, any interest in any Certificate or any other similar security with any person in any manner, (d) has made any general solicitation by means of general advertising or in any other manner, or (e) has taken any other action, that (as to any of (a) through (e) above) would constitute a distribution of the Certificates under the Securities Act of 1933 (the "Act"), that would render the disposition of any Certificate a violation of Section 5 of the Act or any state securities law, or that would require registration or qualification pursuant thereto. The Seller will not act, in any manner set forth in the foregoing sentence with respect to any Certificate. The Seller has not and will not sell or otherwise transfer any of the Certificates, except in compliance with the provisions of the Pooling and Servicing Agreement. Very truly yours, (Seller) By: -------------------------------- Name: ------------------------------ Title: ----------------------------- I-2 EXHIBIT J [FORM OF RULE 144A INVESTMENT REPRESENTATION] Description of Rule 144A Securities, including numbers: The undersigned seller, as registered holder (the "Seller"), intends to transfer the Rule 144A Securities described above to the undersigned buyer (the "Buyer"). 1. In connection with such transfer and in accordance with the agreements pursuant to which the Rule 144A Securities were issued, the Seller hereby certifies the following facts: Neither the Seller nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the Securities Act of 1933, as amended (the "1933 Act"), or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, and that the Seller has not offered the Rule 144A Securities to any person other than the Buyer or another "qualified institutional buyer" as defined in Rule 144A under the 1933 Act. 2. The Buyer warrants and represents to, and covenants with, the Seller, the Trustee and the Master Servicer (as defined in the Pooling and Servicing Agreement (the "Agreement"), dated as of ___________ 1, ____ among Residential Funding Corporation as Master Servicer, Residential Accredit Loans, Inc. as depositor pursuant to Section 5.02 of the Agreement and __________________, as trustee, as follows: (a) The Buyer understands that the Rule 144A Securities have not been registered under the 1933 Act or the securities laws of any state. (b) The Buyer considers itself a substantial, sophisticated institutional investor having such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of investment in the Rule 144A Securities. (c) The Buyer has been furnished with all information regarding the Rule 144A Securities that it has requested from the Seller, the Trustee or the Servicer. (d) Neither the Buyer nor anyone acting on its behalf has offered, transferred, pledged, sold or otherwise disposed of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security to, or solicited any offer to buy or accept a transfer, pledge or other disposition of the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security from, or otherwise approached or negotiated with respect to the Rule 144A Securities, any interest in the Rule 144A Securities or any other similar security with, any person in any manner, or made any general solicitation by means of general advertising or in any other manner, or taken any other action, that would constitute a distribution of the Rule 144A Securities under the 1933 Act or that would render the disposition of the Rule 144A Securities a violation of Section 5 of the 1933 Act or require registration pursuant thereto, nor will it act, nor has it authorized or will it authorize any person to act, in such manner with respect to the Rule 144A Securities. (e) The Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the 1933 Act and has completed either of the forms of certification to that effect attached hereto as Annex 1 or Annex 2. The Buyer is aware that the sale to it is being made in reliance on Rule 144A. The Buyer is acquiring the Rule 144A Securities for its own account or the accounts of other qualified institutional buyers, understands that such Rule 144A Securities may be resold, pledged or transferred only (i) to a person reasonably believed to be a qualified institutional buyer that purchases for its own account or for the account of a qualified institutional buyer to whom notice is given that the resale, pledge or transfer is being made in reliance on Rule 144A, or (ii) pursuant to another exemption from registration under the 1933 Act. [3. The Buyer (a) is not an employee benefit or other plan subject to the prohibited transaction provisions of the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), or Section 4975 of the Internal Revenue Code of 1986, as amended (a "Plan"), or any other person (including an investment manager, a named fiduciary or a trustee of any Plan) acting, directly or indirectly, on behalf of or purchasing any Certificate with "plan assets" of any Plan within the meaning of the Department of Labor ("DOL") regulation at 29 C.F.R. ss. 2510.3-101; or (b) is an insurance company, the source of funds to be used by it to purchase the Certificates is an "insurance company general account" (within the meaning of DOL Prohibited Transaction Class Exemption ("PTCE") 95-60), and the purchase is being made in reliance upon the availability of the exemptive relief afforded under Sections I and III of PTCE 95-60.] 4. This document may be executed in one or more counterparts and by the different parties hereto on separate counterparts, each of which, when so executed, shall be deemed to be an original; such counterparts, together, shall constitute one and the same document. J-2 IN WITNESS WHEREOF, each of the parties has executed this document as of the date set forth below. Print Name of Seller Print Name of Buyer By: By: ------------------------------------------ Name: Name: Title: Title: Taxpayer Identification Taxpayer Identification: No. No: ------------------------------------------ Date: Date: ---------------------------------------- J-3 ANNEX 1 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers Other Than Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 1. As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer. 2. In connection with purchases by the Buyer, the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a discretionary basis $_____________ in securities (except for the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below. -- Corporation, etc. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code. -- Bank. The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto. -- Savings and Loan. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements. -- Broker-Dealer. The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934. -- Insurance Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State or territory or the District of Columbia. -- State or Local Plan. The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees. -- ERISA Plan. The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974. -- Investment Adviser. The Buyer is an investment adviser registered under the Investment Advisers Act of 1940. -- SBIC. The Buyer is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958. -- Business Development Company. The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940. -- Trust Fund. The Buyer is a trust fund whose trustee is a bank or trust company and whose participants are exclusively (a) plans established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of the Employee Retirement Income Security Act of 1974, but is not a trust fund that includes as participants individual retirement accounts or H.R. 10 plans. 3. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps. 4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph. Further, in determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Buyer's direction. However, such securities were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a reporting company under the Securities Exchange Act of 1934. 5. The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A. J-2 Will the Buyer be purchasing the Rule 144A Yes No Securities only for the Buyer's own account? 6. If the answer to the foregoing question is "no", the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third party that at the time is a "qualified institutional buyer" within the meaning of Rule 144A. In addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of "qualified institutional buyer" set forth in Rule 144A. 7. The Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of such purchase. Print Name of Buyer By:________________________ Name: Title: Date: _______________________ J-3 ANNEX 2 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers That Are Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 8. As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser. 9. In connection with purchases by Buyer, the Buyer is a "qualified institutional buyer" as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer's Family of Investment Companies, the cost of such securities was used. -- The Buyer owned $_________ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). -- The Buyer is part of a Family of Investment Companies which owned in the aggregate $ _____________ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). 10. The term "Family of Investment Companies" as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other). 11. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps. 12. The Buyer is familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer's own account. j-4 13. The undersigned will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. Print Name of Buyer By: _____________________________ Name: ------------------------- Title: ------------------------ IF AN ADVISER: ______________________ Print Name of Buyer j-5 EXHIBIT K [TEXT OF AMENDMENT TO POOLING AND SERVICING AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A LIMITED GUARANTY] ARTICLE XII Subordinate Certificate Loss Coverage; Limited Guaranty Section 12.01. Subordinate Certificate Loss Coverage; Limited Guaranty. (a) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether it or any Sub-Servicer will be entitled to any reimbursement pursuant to Section 4.02(a) on such Distribution Date for Advances or Sub-Servicer Advances previously made, (which will not be Advances or Sub-Servicer Advances that were made with respect to delinquencies which were subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the Master Servicer shall demand payment from Residential Funding of an amount equal to the amount of any Advances or Sub-Servicer Advances reimbursed pursuant to Section 4.02(a), to the extent such Advances or Sub-Servicer Advances have not been included in the amount of the Realized Loss in the related Mortgage Loan, and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a). (b)....Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether any Realized Losses (other than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses) will be allocated to the Class B Certificates on such Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer shall demand payment from Residential Funding of the amount of such Realized Loss and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a); provided, however, that the amount of such demand in respect of any Distribution Date shall in no event be greater than the sum of (i) the additional amount of Accrued Certificate Interest that would have been paid for the Class B Certificateholders on such Distribution Date had such Realized Loss or Losses not occurred plus (ii) the amount of the reduction in the Certificate Principal Balances of the Class B Certificates on such Distribution Date due to such Realized Loss or Losses. Notwithstanding such payment, such Realized Losses shall be deemed to have been borne by the Certificateholders for purposes of Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates will not be covered by the Subordinate Certificate Loss Obligation. (c)....Demands for payments pursuant to this Section shall be made prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date by the Master Servicer with written notice thereof to the Trustee. The maximum amount that Residential Funding shall be required to pay pursuant to this Section on any Distribution Date (the "Amount Available") shall be equal to the lesser of (X) minus the sum of (i) all previous payments made under subsections (a) and (b) hereof and (ii) all draws under the Limited Guaranty made in lieu of such payments as described below in subsection (d) and (Y) the then outstanding Certificate Principal Balances of the Class B Certificates, or such lower amount as may be established pursuant to Section 12.02. Residential Funding's obligations as described in this Section are referred to herein as the "Subordinate Certificate Loss Obligation." (d)....The Trustee will promptly notify General Motors Acceptance Corporation of any failure of Residential Funding to make any payments hereunder and shall demand payment pursuant to the limited guaranty (the "Limited Guaranty"), executed by General Motors Acceptance Corporation, of Residential Funding's obligation to make payments pursuant to this Section, in an amount equal to the lesser of (i) the Amount Available and (ii) such required payments, by delivering to General Motors Acceptance Corporation a written demand for payment by wire transfer, not later than the second Business Day prior to the Distribution Date for such month, with a copy to the Master Servicer. (e) All payments made by Residential Funding pursuant to this Section or amounts paid under the Limited Guaranty shall be deposited directly in the Certificate Account, for distribution on the Distribution Date for such month to the Class B Certificateholders. (f)....The Company shall have the option, in its sole discretion, to substitute for either or both of the Limited Guaranty or the Subordinate Certificate Loss Obligation another instrument in the form of a corporate guaranty, an irrevocable letter of credit, a surety bond, insurance policy or similar instrument or a reserve fund; provided that (i) the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision) an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that obtaining such substitute corporate guaranty, irrevocable letter of credit, surety bond, insurance policy or similar instrument or reserve fund will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860(F)(a)(1) of the Code or on "contributions after the startup date" under Section 860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding, and (ii) no such substitution shall be made unless (A) the substitute Limited Guaranty or Subordinate Certificate Loss Obligation is for an initial amount not less than the then current Amount Available and contains provisions that are in all material respects equivalent to the original Limited Guaranty or Subordinate Certificate Loss Obligation (including that no portion of the fees, reimbursements or other obligations under any such instrument will be borne by the Trust Fund), (B) the long term debt obligations of any obligor of any substitute Limited Guaranty or Subordinate Certificate Loss Obligation (if not supported by the Limited Guaranty) shall be rated at least the lesser of (a) the rating of the long term debt obligations of General Motors Acceptance Corporation as of the date of issuance of the Limited Guaranty and (b) the rating of the long term debt obligations of General Motors Acceptance Corporation at the date of such substitution and (C) the Company obtains written confirmation from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company that such substitution shall not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency. Any replacement of the Limited Guaranty or Subordinate Certificate Loss K-2 Obligation pursuant to this Section shall be accompanied by a written Opinion of Counsel to the substitute guarantor or obligor, addressed to the Master Servicer and the Trustee, that such substitute instrument constitutes a legal, valid and binding obligation of the substitute guarantor or obligor, enforceable in accordance with its terms, and concerning such other matters as the Master Servicer and the Trustee shall reasonably request. Neither the Company, the Master Servicer nor the Trustee shall be obligated to substitute for or replace the Limited Guaranty or Subordinate Certificate Loss Obligation under any circumstance. Section 12.02. Amendments Relating to the Limited Guaranty. Notwithstanding Sections 11.01 or 12.01: (i) the provisions of this Article XII may be amended, superseded or deleted, (ii) the Limited Guaranty or Subordinate Certificate Loss Obligation may be amended, reduced or canceled, and (iii) any other provision of this Agreement which is related or incidental to the matters described in this Article XII may be amended in any manner; in each case by written instrument executed or consented to by the Company and Residential Funding but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of, the Master Servicer or the Trustee, as applicable; provided that the Company shall also obtain a letter from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company to the effect that such amendment, reduction, deletion or cancellation will not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency, unless (A) the Holder of 100% of the Class B Certificates is Residential Funding or an Affiliate of Residential Funding, or (B) such amendment, reduction, deletion or cancellation is made in accordance with Section 11.01(e) and, provided further that the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision), in the case of a material amendment or supercession (but not a reduction, cancellation or deletion of the Limited Guaranty or the Subordinate Certificate Loss Obligation), an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that any such amendment or supercession will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860F(a)(1) of the Code or on "contributions after the startup date" under Section 860G(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding. A copy of any such instrument shall be provided to the Trustee and the Master Servicer together with an Opinion of Counsel that such amendment complies with this Section 12.02. K-3 EXHIBIT L [FORM OF LIMITED GUARANTY] LIMITED GUARANTY RESIDENTIAL ACCREDIT LOANS, INC. Mortgage Asset-Backed Pass-Through Certificates Series ____-___ ___________, 200___ ================== ------------------ Attention: Residential Funding Corporation Series ____-___ Ladies and Gentlemen: WHEREAS, Residential Funding Corporation, a Delaware corporation ("Residential Funding"), an indirect wholly-owned subsidiary of General Motors Acceptance Corporation, a New York corporation ("GMAC"), plans to incur certain obligations as described under Section 12.01 of the Pooling and Servicing Agreement dated as of ___________ 1, ____ (the "Servicing Agreement"), among Residential Accredit Loans, Inc. (the "Company"), Residential Funding and __________________ (the "Trustee") as amended by Amendment No. thereto, dated as of , with respect to the Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ (the "Certificates"); and WHEREAS, pursuant to Section 12.01 of the Servicing Agreement, Residential Funding agrees to make payments to the Holders of the Class B Certificates with respect to certain losses on the Mortgage Loans as described in the Servicing Agreement; and WHEREAS, GMAC desires to provide certain assurances with respect to the ability of Residential Funding to secure sufficient funds and faithfully to perform its Subordinate Certificate Loss Obligation; NOW THEREFORE, in consideration of the premises herein contained and certain other good and valuable consideration, the receipt of which is hereby acknowledged, GMAC agrees as follows: 1. Provision of Funds. (a) GMAC agrees to contribute and deposit in the Certificate Account on behalf of Residential Funding (or otherwise provide to Residential Funding, or to cause to be made available to Residential Funding), either directly or through a subsidiary, in any case prior to the related Distribution Date, such moneys as may be required by Residential Funding to perform its Subordinate Certificate Loss Obligation when and as the same arises from time to time upon the demand of the Trustee in accordance with Section 12.01 of the Servicing Agreement. (b)....The agreement set forth in the preceding clause (a) shall be absolute, irrevocable and unconditional and shall not be affected by the transfer by GMAC or any other person of all or any part of its or their interest in Residential Funding, by any insolvency, bankruptcy, dissolution or other proceeding affecting Residential Funding or any other person, by any defense or right of counterclaim, set-off or recoupment that GMAC may have against Residential Funding or any other person or by any other fact or circumstance. Notwithstanding the foregoing, GMAC's obligations under clause (a) shall terminate upon the earlier of (x) substitution for this Limited Guaranty pursuant to Section 12.01(f) of the Servicing Agreement, or (y) the termination of the Trust Fund pursuant to the Servicing Agreement. 2. Waiver. GMAC hereby waives any failure or delay on the part of Residential Funding, the Trustee or any other person in asserting or enforcing any rights or in making any claims or demands hereunder. Any defective or partial exercise of any such rights shall not preclude any other or further exercise of that or any other such right. GMAC further waives demand, presentment, notice of default, protest, notice of acceptance and any other notices with respect to this Limited Guaranty, including, without limitation, those of action or nonaction on the part of Residential Funding or the Trustee. 3. Modification, Amendment and Termination. This Limited Guaranty may be modified, amended or terminated only by the written agreement of GMAC and the Trustee and only if such modification, amendment or termination is permitted under Section 12.02 of the Servicing Agreement. The obligations of GMAC under this Limited Guaranty shall continue and remain in effect so long as the Servicing Agreement is not modified or amended in any way that might affect the obligations of GMAC under this Limited Guaranty without the prior written consent of GMAC. 4. Successor. Except as otherwise expressly provided herein, the guarantee herein set forth shall be binding upon GMAC and its respective successors. 5. Governing Law. This Limited Guaranty shall be governed by the laws of the State of New York. 6. Authorization and Reliance. GMAC understands that a copy of this Limited Guaranty shall be delivered to the Trustee in connection with the execution of Amendment No. 1 to the Servicing Agreement and GMAC hereby authorizes the Company and the Trustee to rely on the covenants and agreements set forth herein. 7. Definitions. Capitalized terms used but not otherwise defined herein shall have the meaning given them in the Servicing Agreement. 8. Counterparts. This Limited Guaranty may be executed in any number of counterparts, each of which shall be deemed to be an original and such counterparts shall constitute but one and the same instrument. L-2 IN WITNESS WHEREOF, GMAC has caused this Limited Guaranty to be executed and delivered by its respective officers thereunto duly authorized as of the day and year first above written. GENERAL MOTORS ACCEPTANCE CORPORATION By: -------------------------------- Name: ------------------------------ Title: ----------------------------- Acknowledged by: __________________________, as Trustee By: ------------------------------------------------ Name: ---------------------------------------------- Title: --------------------------------------------- RESIDENTIAL ACCREDIT LOANS, INC. By: ------------------------------------------------ Name: ---------------------------------------------- Title: --------------------------------------------- L-3 EXHIBIT M FORM OF LENDER CERTIFICATION FOR ASSIGNMENT OF MORTGAGE LOAN _______________, 20_____ Residential Accredit Loans, Inc. 8400 Normandale Lake Boulevard Suite 250 Minneapolis, Minnesota 55437 ================== ------------------ Attention: Residential Funding Corporation Series ____-___ Re: Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ Assignment of Mortgage Loan Ladies and Gentlemen: This letter is delivered to you in connection with the assignment by ________________ (the "Trustee") to _________________ (the "Lender") of (the "Mortgage Loan") pursuant to Section 3.13(d) of the Pooling and Servicing Agreement (the "Pooling and Servicing Agreement"), dated as of ___________ 1, ____ among Residential Accredit Loans, Inc., as seller (the "Company"), Residential Funding Corporation, as master servicer, and the Trustee. All terms used herein and not otherwise defined shall have the meanings set forth in the Pooling and Servicing Agreement. The Lender hereby certifies, represents and warrants to, and covenants with, the Master Servicer and the Trustee that: (i) the Mortgage Loan is secured by Mortgaged Property located in a jurisdiction in which an assignment in lieu of satisfaction is required to preserve lien priority, minimize or avoid mortgage recording taxes or otherwise comply with, or facilitate a refinancing under, the laws of such jurisdiction; (ii) the substance of the assignment is, and is intended to be, a refinancing of such Mortgage Loan and the form of the transaction is solely to comply with, or facilitate the transaction under, such local laws; (iii) the Mortgage Loan following the proposed assignment will be modified to have a rate of interest at least 0.25 percent below or above the rate of interest on such Mortgage Loan prior to such proposed assignment; and (iv) such assignment is at the request of the borrower under the related Mortgage Loan. Very truly yours, (Lender) By: -------------------------------- Name: ------------------------------ Title: ----------------------------- M-2 EXHIBIT N FORM OF REQUEST FOR EXCHANGE [DATE] ================== ------------------ Re: Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series ____-___ Residential Funding Corporation, as the Holder of a % Percentage Interest of the [Interest Only/Class A-V][-1] Certificates, hereby requests the Trustee to exchange the above-referenced Certificates for the Subclasses referred to below: 1. [Interest Only/Class A-V]- Certificates, corresponding to the following Uncertificated REMIC Regular Interests: [List numbers corresponding to the related loans and Pool Strip Rates from the Mortgage Loan Schedule]. The initial Subclass Notional Amount and the Initial Pass-Through Rate on the [Interest Only/Class A-V]- Certificates will be $_________ and _____%, respectively. 2. [Repeat as appropriate.] The Subclasses requested above will represent in the aggregate all of the Uncertificated REMIC Regular Interests represented by the [Interest Only/Class A-V][-1] Certificates surrendered for exchange. All capitalized terms used but not defined herein shall have the meanings set forth in the Pooling and Servicing Agreement, dated as of ___________ 1, ____, among Residential Accredit Loans, Inc., Residential Funding Corporation and __________________, as trustee. RESIDENTIAL FUNDING CORPORATION By: ______________________________ Name: Title: EXHIBIT FIVE PLANNED PRINCIPAL BALANCES AND TARGETED PRINCIPAL BALANCES
TARGETED PLANNED PRINCIPAL PRINCIPAL PLANNED PRINCIPAL PLANNED PRINCIPAL BALANCES FOR CLASS BALANCES FOR BALANCES FOR CLASS BALANCES FOR CLASS A-5 CERTIFICATES CLASS A-4 DISTRIBUTION DATE A-1 CERTIFICATES A-2 CERTIFICATES CERTIFICATES Initial Balance............ $28,046,000.00 $18,772,000.00 $23,409,000.00 $75,000,000.00 February 2002 ............. 27,355,951.35 18,772,000.00 23,063,975.67 74,360,847.52 March 2002 ................ 26,667,735.73 18,772,000.00 22,719,867.86 73,526,908.84 April 2002 ................ 25,982,317.53 18,772,000.00 22,377,158.77 72,499,641.79 May 2002 .................. 25,299,684.82 18,772,000.00 22,035,842.41 71,282,423.85 June 2002 ................. 24,619,825.70 18,772,000.00 21,695,912.85 69,879,180.62 July 2002 ................. 23,942,728.35 18,772,000.00 21,357,364.18 68,294,378.08 August 2002 ............... 23,268,380.98 18,772,000.00 21,020,190.49 66,533,012.25 September 2002............. 22,596,771.87 18,772,000.00 20,684,385.93 64,600,596.26 October 2002............... 21,927,889.32 18,772,000.00 20,349,944.66 62,503,144.74 November 2002.............. 21,261,721.73 18,772,000.00 20,016,860.86 60,247,155.56 December 2002.............. 20,598,257.50 18,772,000.00 19,685,128.75 58,013,421.09 January 2003............... 19,937,485.12 18,772,000.00 19,354,742.56 55,828,527.86 February 2003.............. 19,279,393.11 18,772,000.00 19,025,696.56 53,691,600.82 March 2003................. 18,623,970.05 18,772,000.00 18,697,985.03 51,601,779.63 April 2003................. 17,971,204.57 18,772,000.00 18,371,602.29 49,558,218.35 May 2003................... 17,321,085.34 18,772,000.00 18,046,542.67 47,560,085.26 June 2003.................. 16,673,601.09 18,772,000.00 17,722,800.55 45,606,562.59 July 2003.................. 16,028,740.60 18,772,000.00 17,400,370.30 43,696,846.31 August 2003 ............... 15,386,492.69 18,772,000.00 17,079,246.34 41,830,145.89 September 2003............. 14,746,846.23 18,772,000.00 16,759,423.12 40,005,684.06 October 2003............... 14,109,790.16 18,772,000.00 16,440,895.08 38,222,696.62 November 2003.............. 13,475,313.45 18,772,000.00 16,123,656.73 36,480,432.22 December 2003.............. 12,843,405.12 18,772,000.00 15,807,702.56 34,778,152.12 January 2004............... 12,214,054.24 18,772,000.00 15,493,027.12 33,115,130.00 February 2004.............. 11,587,249.93 18,772,000.00 15,179,624.97 31,490,651.74 March 2004................. 10,962,981.36 18,772,000.00 14,867,490.68 29,904,015.26 April 2004................. 10,341,237.75 18,772,000.00 14,556,618.87 28,354,530.24 May 2004................... 9,722,008.35 18,772,000.00 14,247,004.18 26,841,518.01 June 2004.................. 9,105,282.48 18,772,000.00 13,938,641.24 25,364,311.31 July 2004.................. 8,491,049.50 18,772,000.00 13,631,524.75 23,922,254.09 August 2004 ............... 7,879,298.82 18,772,000.00 13,325,649.41 22,514,701.35 September 2004............. 7,270,019.88 18,772,000.00 13,021,009.94 21,141,018.96 October 2004............... 6,663,202.20 18,772,000.00 12,717,601.10 19,800,583.45 November 2004.............. 6,058,835.30 18,772,000.00 12,415,417.65 18,492,781.86 December 2004.............. 5,456,908.79 18,772,000.00 12,114,454.40 17,217,011.55 January 2005............... 4,857,412.31 18,772,000.00 11,814,706.16 15,972,680.03 February 2005.............. 4,260,335.54 18,772,000.00 11,516,167.77 14,759,204.79 March 2005................. 3,665,668.22 18,772,000.00 11,218,834.11 13,576,013.15 April 2005................. 3,073,400.12 18,772,000.00 10,922,700.06 12,422,542.07 May 2005................... 2,483,521.06 18,772,000.00 10,627,760.53 11,298,238.02 June 2005.................. 1,896,020.91 18,772,000.00 10,334,010.46 10,202,556.79 July 2005.................. 1,310,889.59 18,772,000.00 10,041,444.80 9,134,963.35 August 2005 ............... 728,117.06 18,772,000.00 9,750,058.53 8,094,931.69 September 2005............. 147,693.31 18,772,000.00 9,459,846.65 7,081,944.69 October 2005............... 0.00 18,341,608.40 9,170,804.20 6,095,493.96 November 2005.............. 0.00 17,765,852.42 8,882,926.21 5,135,079.68 1 December 2005.............. $0.00 $17,192,415.51 $8,596,207.75 $4,200,210.47 January 2006............... 0.00 16,621,287.84 8,310,643.92 3,290,403.24 February 2006.............. 0.00 16,052,459.65 8,026,229.83 2,405,183.09 March 2006................. 0.00 15,485,921.21 7,742,960.60 1,544,083.11 April 2006................. 0.00 14,921,662.81 7,460,831.41 706,644.30 May 2006................... 0.00 14,359,674.84 7,179,837.42 0.00 June 2006.................. 0.00 13,799,947.67 6,899,973.83 0.00 July 2006.................. 0.00 13,242,471.76 6,621,235.88 0.00 August 2006 ............... 0.00 12,687,237.59 6,343,618.79 0.00 September 2006............. 0.00 12,134,235.69 6,067,117.84 0.00 October 2006............... 0.00 11,583,456.63 5,791,728.31 0.00 November 2006.............. 0.00 11,034,891.02 5,517,445.51 0.00 December 2006.............. 0.00 10,488,529.53 5,244,264.77 0.00 January 2007............... 0.00 9,944,362.85 4,972,181.43 0.00 February 2007.............. 0.00 9,445,305.97 4,722,652.99 0.00 March 2007................. 0.00 8,948,429.45 4,474,214.73 0.00 April 2007................. 0.00 8,453,724.31 4,226,862.15 0.00 May 2007................... 0.00 7,961,181.62 3,980,590.81 0.00 June 2007.................. 0.00 7,470,792.50 3,735,396.25 0.00 July 2007.................. 0.00 6,982,548.09 3,491,274.05 0.00 August 2007................ 0.00 6,496,439.60 3,248,219.80 0.00 September 2007............. 0.00 6,012,458.25 3,006,229.12 0.00 October 2007............... 0.00 5,530,595.32 2,765,297.66 0.00 November 2007.............. 0.00 5,050,842.13 2,525,421.07 0.00 December 2007.............. 0.00 4,573,190.04 2,286,595.02 0.00 January 2008............... 0.00 4,097,630.45 2,048,815.23 0.00 February 2008.............. 0.00 3,632,696.28 1,816,348.14 0.00 March 2008................. 0.00 3,169,789.67 1,584,894.84 0.00 April 2008................. 0.00 2,708,902.10 1,354,451.05 0.00 May 2008................... 0.00 2,250,025.08 1,125,012.54 0.00 June 2008.................. 0.00 1,796,134.11 898,067.06 0.00 July 2008.................. 0.00 1,352,850.76 676,425.38 0.00 August 2008................ 0.00 919,959.95 459,979.98 0.00 September 2008............. 0.00 497,250.75 248,625.38 0.00 October 2008............... 0.00 84,516.28 42,258.14 0.00 November 2008 and 0.00 0.00 0.00 0.00 thereafter.................
2