EX-10.1 3 qs12ss.txt 2002-QS12 OPERATIVE DOCUMENTS EXECUTION COPY ================================================================================ RESIDENTIAL ACCREDIT LOANS, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, Trustee SERIES SUPPLEMENT, DATED AS OF SEPTEMBER 1, 2002, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of August 1, 2002 Mortgage Asset-Backed Pass-Through Certificates Series 2002-QS12 ===============================================================================
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; Exchange Act Reporting. ...........33 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)......................................................34 Section 4.05. Allocation of Realized Losses. ......................................34 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms).............................36 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the Standard Terms)..........................................36 Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)................36 Article V THE CERTIFICATES...........................................................37 i Section 5.01. The Certificates. (See Section 5.01 of the Standard Terms)..........37 Section 5.02. Registration of Transfer and Exchange of Certificates................37 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the Standard Terms)..........................................37 Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms)......37 Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms)...............................................................37 Article VI THE COMPANY AND THE MASTER SERVICER.........................................38 Article VII DEFAULT.....................................................................39 Article VIII CONCERNING THE TRUSTEE......................................................40 Article IX TERMINATION.................................................................41 Article X REMIC PROVISIONS...........................................................42 Section 10.01.REMIC Administration. (See Section 10.01 of the Standard Terms).....42 Section 10.02.Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)..........42 Section 10.03.Designation of REMICs................................................42 Section 10.04.Distributions on the Uncertificated REMIC I and REMIC II Regular Interests....................................................42 Section 10.05.Compliance with Withholding Requirements.............................44 Article XI MISCELLANEOUS PROVISIONS......................................................45 Section 11.01.Amendment. (See Section 11.01 of the Standard Terms)................45 Section 11.02.Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms)..................................................45 Section 11.03.Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms)...............................................45 Section 11.04.Governing Laws. (See Section 11.04 of the Standard Terms)...........45 Section 11.05.Notices..............................................................45 Section 11.06.Required Notices to Rating Agency and Subservicer. (See Section 11.06 of the Standard Terms).................................46 Section 11.07.Severability of Provisions. (See Section 11.07 of the Standard Terms)...............................................................46 Section 11.08.Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms).........................................46 Section 11.09.Allocation of Voting Rights..........................................46 Section 11.10.No Petition..........................................................46
ii 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 August 1, 2002 Exhibit Five:.. Form of Form 10-K Certification iii This is a Series Supplement, dated as of September 1, 2002 (the "Series Supplement"), to the Standard Terms of Pooling and Servicing Agreement, dated as of August 1, 2002 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 DEUTSCHE BANK TRUST COMPANY AMERICAS, 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. 1 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 PASS-THROUGH PRINCIPAL MATURITY S&P/FITCH MINIMUM DESIGNATION RATE BALANCE FEATURES(1) DATE ---------- DENOMINATIONS(2) Senior/Accretion Directed/Fixed September 25, Class A-1 5.00% $50,000,000.00 Rate 2032 AAA/AAA $25,000.00 Class A-2 Adjustable $50,000,000.00 Senior/Accretion September 25, AAA/AAA $25,000.00 Rate Directed/Floater/ 2032 Adjustable Rate Class A-3 Adjustable $0.00(3) Senior/Inverse September 25, AAA/AAA $2,000,000.00 Rate Floater/Interest 2032 Only/Adjustable Rate Class A-4 6.00% $29,017,500.00 Senior/Lockout/ September 25, AAA/AAA $25,000.00 Fixed Rate 2032 Class A-5 6.00% $35,000,000.00 Senior/Accretion September 25, AAA/AAA $25,000.00 Directed/Fixed 2032 Rate Class A-6 6.25% $5,000,000.00 Senior/Accrual/ September 25, AAA/AAA $25,000.00 Fixed Rate 2032 Class A-7 5.50% $145,000,000.00 Senior/Accretion September 25, AAA/AAA $25,000.00 Directed/Super 2032 Senior/Fixed Rate Class A-8 6.25% $7,612,500.00 Senior/Lockout/SenioSeptember 25, AAA/AAA $25,000.00 Support/Fixed Rate 2032 Class A-9 6.25% $0.00(4) Senior/Interest September 25, AAA/AAA $500,000.00 Only/Fixed Strip 2032 Class A-10 8.50% $30,000,000.00 Senior/Accretion September 25, AAA/AAA $25,000.00 Directed/Fixed 2032 Rate Class A-P 0.00% $409,000.35 Senior/Principal September 25, AAA/AAA $25,000.00 Only 2032 Class A-V Variable $0.00 Senior/Variable September 25, AAA/AAA (6) Rate(5) Strip/Interest 2032 Only 2 Class R-I 6.25% $100.00 Residual/Senior September 25, AAA/AAA (7) 2032 Class R-II 6.25% $100.00 Residual/Senior September 25, AAA/AAA (7) 2032 Class M-1 6.25% $9,289,500.00 Mezzanine September 25, AA/NA $25,000.00 2032 Class M-2 6.25% $3,715,500.00 Mezzanine September 25, A/NA $250,000.00 2032 Class M-3 6.25% $2,786,600.00 Mezzanine September 25, BBB/NA $250,000.00 2032 Class B-1 6.25% $1,114,700.00 Subordinate September 25, BB/NA $250,000.00 2032 Class B-2 6.25% $1,300,500.00 Subordinate September 25, B/NA $250,000.00 2032 Class B-3 6.25% $1,300,459.89 Subordinate September 25, NA/NA $250,000.00 2032
___________ 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-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 The Class A-3 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-3 Certificates will accrue on a notional amount equal to the certificate principal balance of the Class A-2 Certificates. 4 The Class A-9 Certificates do not have a principal balance. For the purpose of calculating interest payments, interest on the Class A-9 Certificates will accrue on a notional amount equal to the product of 1/25 multiplied by the certificate principal balance of the Class A-4 Certificates. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.5637%. 6 The Class A-V Certificates shall be issuable in minimum denominations of not less than a 20% Percentage Interest. 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%. The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $371,546,460.24. In consideration of the mutual agreements herein contained, the Company, the Master Servicer and the Trustee agree as follows: 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 aggregate Certificate Principal Balance of the Accretion Directed Certificates has been reduced to zero and (ii) the Credit Support Depletion Date. Accrual Certificates: Any of the Class A-6 Certificates. Accretion Directed Certificates: Any of the Class A-1, Class A-2, Class A-5, Class A-7 and Class A-10 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 Accrual 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-2 Certificates or Class A-3 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) $155,353 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) the greater of (i) 0.0006 times the aggregate principal balance of all the Mortgage Loans in the Mortgage Pool as of the Relevant Anniversary having a Loan-to-Value Ratio (other than Additional Collateral Loans) at origination which exceeds 75% and (ii) $100,000; and (B) the greater of (i) the product of (x) an amount equal to the largest difference in the related Monthly Payment for any Non-Primary Residence Loan remaining in the Mortgage Pool (other than Additional Collateral Loans) 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 4 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 "Deutsche Bank Trust Company Americas, as trustee, in trust for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2002-QS12" 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-6, Class A-7, Class A-8, Class A-9, Class A-10, 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. 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. 5 Closing Date: September 27, 2002. Commission: The Securities and Exchange Commission. 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-QS12. Cut-off Date: September 1, 2002. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 6.25% 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. Exchange Act: The Securities and Exchange Act of 1934, as amended. Floater Certificates: Any one of the Class A-2 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 2.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the Cut-off Date minus the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 of this Series Supplement since the Cut-off Date up to such date of determination and (Y) from the first to, but not including, 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. 6 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: $200,172, representing scheduled principal amortization and interest at the Net Mortgage Rate during the Due Period ending on October 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-3 Certificates, $50,000,000. With respect to the Class A-9 Certificates, $1,160,700. 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: 2.50% Class B-1: 0.30% Class M-2: 1.00% Class B-2: 0.35% Class M-3: 0.75% Class B-3: 0.35% Interest Accrual Period: With respect to any Class of Certificates (other than the Floater 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-3, Class A-9 or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Inverse Floater Certificates: Any one of the Class A-3 Certificates. Lockout Certificates: Any one of the Class A-4 Certificates or Class A-8 Certificates. Lockout Prepayment Percentage: For any Distribution Date occurring prior to the Distribution Date in October 2007 will be 0%, and for any Distribution Date thereafter, as follows: 30% for any Distribution Date on or after October 2007 and prior to October 2008; 40% for any Distribution Date on or after October 2008 and prior to October 2009; 60% for any Distribution Date on or after October 2009 and prior to October 2010; 80% for any Distribution Date on or after October 2010 and prior to October 2011; and 100% for any Distribution Date thereafter. 7 Maturity Date: September 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. 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 Class A-3 Certificates, an amount equal to the Certificate Principal Balance of the Class A-2 Certificates immediately prior to that date, (ii) with respect to the Class A-9 Certificates, an amount equal to the product of 1/25 multiplied by the Certificate Principal Balance of the Class A-4 Certificates immediately prior to that date and (iii) 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. 8 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 Class A-2 Certificates and the initial Interest Accrual Period, 2.32% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 0.50% plus LIBOR, subject to a maximum rate of 8.50% per annum and a minimum rate of 0.50% per annum. With respect to the Class A-3 Certificates and the initial Interest Accrual Period, 6.18% per annum, and as to any Interest Accrual Period thereafter, a per annum rate equal to 8.00% minus LIBOR, subject to a maximum rate of 8.00% 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 0.5637% 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. 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 18.0% per annum. 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 October 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 9 Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and (b) in the case of each other Class of Subordinate Certificates for which the Prepayment Distribution Triggers have not been satisfied, 0%; and (iii)Notwithstanding the foregoing, if the application of the foregoing percentages on any Distribution Date as provided in Section 4.02 of this Series Supplement (determined without regard to the proviso to the definition of "Subordinate Principal Distribution Amount") would result in a distribution in respect of principal of any Class or Classes of Subordinate Certificates in an amount greater than the remaining Certificate Principal Balance thereof (any such class, a "Maturing Class"), then: (a) the Prepayment Distribution Percentage of each Maturing Class shall be reduced to a level that, when applied as described above, would exactly reduce the Certificate Principal Balance of such Class to zero; (b) the Prepayment Distribution Percentage of each other Class of Subordinate Certificates (any such Class, a "Non-Maturing Class") shall be recalculated in accordance with the provisions in paragraph (ii) above, as if the Certificate Principal Balance of each Maturing Class had been reduced to zero (such percentage as recalculated, the "Recalculated Percentage"); (c) the total amount of the reductions in the Prepayment Distribution Percentages of the Maturing Class or Classes pursuant to clause (a) of this sentence, expressed as an aggregate percentage, shall be allocated among the Non-Maturing Classes in proportion to their respective Recalculated Percentages (the portion of such aggregate reduction so allocated to any Non-Maturing Class, the "Adjustment Percentage"); and (d) for purposes of such Distribution Date, the Prepayment Distribution Percentage of each Non-Maturing Class shall be equal to the sum of (1) the Prepayment Distribution Percentage thereof, calculated in accordance with the provisions in paragraph (ii) above as if the Certificate Principal Balance of each Maturing Class had not been reduced to zero, plus (2) the related Adjustment Percentage. Principal Only Certificates: Any one of the Class A-P Certificates. 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: 10 (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 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 11 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. Senior Support Certificates: Any one of the Class A-8 Certificates. Special Hazard Amount: As of any Distribution Date, an amount equal to $3,715,464 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 greatest of (i) twice the outstanding principal balance of the Mortgage Loan in the Trust Fund which has the largest outstanding principal balance on the Distribution Date immediately preceding such anniversary, (ii) the product of 1.00% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary and (iii) the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of the Mortgage Loans in any single five-digit California zip code area with the largest amount of Mortgage Loans by aggregate principal balance as of such anniversary and (B) the greater of (i) the product of 0.50% multiplied by the outstanding principal balance of all Mortgage Loans on the Distribution Date immediately preceding such anniversary multiplied by a fraction, the numerator of which is equal to the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans secured by Mortgaged Properties located in the State of California divided by the aggregate outstanding principal balance (as of the immediately preceding Distribution Date) of all of the Mortgage Loans, expressed as a percentage, and the denominator of which is equal to 25.1% (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. 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 12 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. Super Senior Certificates: Any one of the Class A-7 Certificates. Super Senior Optimal Percentage: As of any Distribution Date, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of the Super Senior Certificates immediately prior to such Distribution Date and the denominator of which is the aggregate Certificate Principal Balance of the Senior Certificates, other than the Class A-P Certificates, immediately prior to such Distribution Date. Super Senior Optimal Principal Distribution Amount: As of any Distribution Date on or after the Credit Support Depletion Date, the product of (a) the then-applicable Super Senior Optimal Percentage and (b) the amounts described in clause (b) of the Senior Principal Distribution Amount. 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. 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. 13 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 R Class A-1 5.00% $ 50,000,000.00 S Class A-2, Class A-3 8.50% $ 50,000,000.00 T Class A-4, Class A-9 6.25% $ 29,017,500.00 U Class A-5 6.00% $ 35,000,000.00 V Class A-7 5.50% $145,000,000.00 W Class A-10 8.50% $ 30,000,000.00 X Class A-P 0.00% $ 409,000.35 Y Class A-6, Class A-8, Class 6.25% $ 24,507,359.87 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 2,322 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2,322, 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 2,322 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 2,322 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 Interests Z'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). Underwriters: Greenwich Capital Markets, Inc. and Banc of America Securities LLC. 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 15 Moneyline 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 ("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, any 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, 1.82%, per annum; 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, after consultation with the Master Servicer, 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 Master Servicer'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 the Pass-Through Rates on each of the Floater Certificates and Inverse Floater Certificates for the current and the immediately preceding Interest Accrual Period via the Trustee's website, which may be obtained by telephoning the Trustee at (800) 735-7777. 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, with respect to a majority of the Mortgage Loans, on the first day of each month and terms to maturity at origination or modification of not more than 15 years; (iv) To the best of the Company's knowledge, except in the case of nine Mortgage Loans, representing approximately 0.4% 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 0.3% 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 52.69% of the Mortgage Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 13.05% 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 2.62% 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 27.02% 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) None of the Mortgage Loans will have been made to International Borrowers; (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 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. 19 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 Accretion Termination Date, the Accrual Certificates to the extent of the Accrual Distribution Amount), on a pro rata basis based on Accrued Certificate Interest payable on such Certificates with respect to such Distribution Date, Accrued Certificate Interest on such Classes of Certificates (or Subclasses, if any, with respect to the Class A-V Certificates) for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date except as provided in the last paragraph of this Section 4.02(a); 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 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 22 applicable): (A) the Senior Percentage for such Distribution Date times the sum of the following: (1) the principal portion of each Monthly Payment due during the related Due Period on each Outstanding Mortgage Loan (other than the related Discount Fraction of the principal portion of such payment with respect to a Discount Mortgage Loan), whether or not received on or prior to the related Determination Date, minus the principal portion of any Debt Service Reduction (other than the related Discount Fraction of the principal portion of such Debt Service Reductions with respect to each Discount Mortgage Loan) which together with other Bankruptcy Losses exceeds the Bankruptcy Amount; (2) the Stated Principal Balance of any Mortgage Loan repurchased during the preceding calendar month (or deemed to have been so repurchased in accordance with Section 3.07(b)) 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), including Subsequent Recoveries, 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 extent applied 23 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 25 Dates, to the extent the amounts available pursuant to clause (x) of Section 4.02(a) (xv) are insufficient therefor; (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Subordinate Principal Distribution Amount for such Class of Certificates for such Distribution Date minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates applied in reduction of the Certificate Principal Balance of the Class B-3 Certificates; (xvi) to the 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, Subsequent Recoveries 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; (ii) second, an amount equal to the Accrual Distribution Amount shall be distributed in the following manner and priority: (A) first, until the Certificate Principal Balance of the Class A-1 Certificates has been reduced to zero, concurrently, as follows: (1) 17.241379310345% of the amount described in Section 4.02(b)(ii) above shall be distributed to the Class A-1 Certificates, until the Certificate Principal Balance of the Class A-1 Certificates has been reduced to zero; (2) 65.862068965517% of the amount described in Section 4.02(b)(ii) above shall be distributed, sequentially, as follows: 27 (a) first, concurrently, until the Certificate Principal Balance of the Class A-7 Certificates has been reduced to zero, as follows: (i) 16.666666666667% of the amount described in Section 4.02(b)(ii)(A)(2) above, concurrently, to the Class A-2 Certificates and Class A-10 Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and Class A-10 Certificates have been reduced to zero; and (ii) 83.333333333333% of the amount described in Section 4.02(b)(ii)(A)(2) above to the Class A-7 Certificates, until the Certificate Principal Balance of the Class A-7 Certificates has been reduced to zero; and (b) second, to the Class A-5 Certificates, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to zero; and (3) 16.896551724138% of the amount described Section 4.02(b)(ii) above shall be distributed, concurrently, to the Class A-2 Certificates and Class A-10 Certificates on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and Class A-10 Certificates have been reduced to zero; and (B) second, after taking into account any payments made pursuant to Section 4.02(b)(ii)(A) above, concurrently, as follows: (1) 10% of the amount described in Section 4.02(b)(ii)(B) above shall be distributed, concurrently, to the Class A-2 Certificates and Class A-10 Certificates on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and Class A-10 Certificates have been reduced to zero; and (2) 90% of the amount described in Section 4.02(b)(ii)(B) above shall be distributed to the Class A-5 Certificates, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to zero; and (iii) the Senior Principal Distribution Amount shall be distributed in the following manner and priority: (A) first, concurrently to the Class R-I Certificates and Class R-II Certificates, on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances thereof have been reduced to zero; 28 (B) second, the Senior Principal Distribution Amount remaining after distributions made pursuant to clause 4.02(b)(iii)(A) 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 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), (D) and (E) 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 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), (D) and (E) of Section 4.02(a)(ii)(Y) is more than the balance of the Available Distribution Amount remaining after the Senior Interest Distribution Amount and the Class A-P Principal Distribution Amount have been distributed, the amount paid to the Lockout Certificates pursuant to this Section 4.02(b)(iii)(B) 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 (other than the Class A-P Certificates)) of such difference; (C) third, the Senior Principal Distribution Amount remaining after distributions made pursuant to clauses 4.02(b)(iii)(A) and (B) and after taking into account any distributions of the Accrual Distribution Amount, concurrently, as follows: (1) first, concurrently, until the Certificate Principal Balance of the Class A-1 Certificates has been reduced to zero, as follows: (a) 17.241379310345% of the amount described in Section 4.02(b)(iii)(C) above shall be distributed to the Class A-1 Certificates, until the Certificate Principal Balance of the Class A-1 Certificates has been reduced to zero; 29 (b) 65.862068965517% of the amount described in Section 4.02(b)(iii)(C) above shall be distributed, sequentially, as follows: (i) first, until the Certificate Principal Balance of the Class A-7 Certificates has been reduced to zero, concurrently, as follows: (A) 16.666666666667% of the amount described in Section 4.02(b)(iii)(C)(1)(b) above, concurrently, to the Class A-2 Certificates and Class A-10 Certificates on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and Class A-10 Certificates have been reduced to zero; and (B) 83.333333333333% of the amount described in Section 4.02(b)(iii)(C)(1)(b) above to the Class A-7 Certificates, until the Certificate Principal Balance of the Class A-7 Certificates has been reduced to zero; and (ii) second, to the Class A-5 Certificates, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to zero; and (c) 16.896551724138% of the amount described in Section 4.02(b)(iii)(C) above shall be distributed, concurrently, to the Class A-2 Certificates and Class A-10 Certificates on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and Class A-10 Certificates have been reduced to zero; and (2) second, after taking into account any payments made pursuant to Section 4.02(b)(iii)(C)(1) above, concurrently, as follows: (a) 10% of the amount described in Section 4.02(b)(iii)(C)(2) above shall be distributed, concurrently, to the Class A-2 Certificates and Class A-10 Certificates on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-2 Certificates and Class A-10 Certificates have been reduced to zero; and (b) 90% of the amount described in Section 4.02(b)(iii)(C)(2) above shall be distributed to the Class A-5 Certificates, until the Certificate Principal Balance of the Class A-5 Certificates has been reduced to zero; and 30 (3) third, 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, the Senior Principal Distribution Amount remaining after distributions made pursuant to clauses 4.02(b)(iii)(A) through (C) and after taking into account any distributions of the Accrual Distribution Amount, concurrently to the Class A-4 Certificates and Class A-8 Certificates on a pro rata basis in accordance with their respective Certificate Principal Balances, until the Certificate Principal Balances of the Class A-4 Certificates and Class A-8 Certificates have been reduced to zero. (c) On or after the occurrence of the Credit Support Depletion Date but prior to the reduction of the Certificate Principal Balance of the Senior Support Certificates to zero, all priorities relating to distributions as described in Section 4.02(b) above relating to principal among the Senior Certificates, other than the Class A-P Certificates, will be disregarded. Instead, (i) the Senior Principal Distribution Amount will be distributed to the Senior Certificates remaining, other than the Class A-P Certificates, pro rata in accordance with their respective outstanding Certificate Principal Balances; provided that the aggregate amount distributable to the Super Senior Certificates and Senior Support Certificates in respect of the aggregate Accrued Certificate Interest thereon and in respect of their aggregate pro rata portion of the Senior Principal Distribution Amount will be distributed among those Certificates in the following priority: first, to the Super Senior Certificates, up to an amount equal to the Accrued Certificate Interest on the Super Senior Certificates; second, to the Super Senior Certificates, up to an amount equal to the Super Senior Optimal Principal Distribution Amount, in reduction of the Certificate Principal Balances thereof; third, to the Senior Support Certificates, up to an amount equal to the Accrued Certificate Interest thereon; and fourth, to the Senior Support Certificates, the remainder, until the Certificate Principal Balance thereof has been reduced to zero; and (ii) an amount equal to the Discount Fraction of the principal portion of scheduled and unscheduled payments received or advanced in respect of Discount Mortgage Loans will be distributed to the Class A-P Certificates. (d) On or after the occurrence of the Credit Support Depletion Date and upon reduction of the Certificate Principal Balance of the Senior Support Certificates to zero, all priorities relating to distributions as described in Section 4.02(b) and (c) 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. 31 (e) 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. (f) In addition to the foregoing distributions, with respect to any Subsequent Recoveries, the Master Servicer shall deposit such funds into the Custodial Account pursuant to Section 3.07(b)(iii). If, after taking into account such Subsequent Recoveries, the amount of a Realized Loss is reduced, the amount of such Subsequent Recoveries will be applied to increase the Certificate Principal Balance of the Class of Certificates with a Certificate Principal Balance greater than zero with the highest payment priority to which Realized Losses, other than Excess Bankruptcy Losses, Excess Fraud Losses, Excess Special Hazard Losses and Extraordinary Losses, have been allocated, but not by more than the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. The amount of any remaining Subsequent Recoveries will be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority, up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05. Any remaining Subsequent Recoveries will in turn be applied to increase from zero the Certificate Principal Balance of the Class of Certificates with the next lower payment priority up to the amount of Realized Losses previously allocated to that Class of Certificates pursuant to Section 4.05, and so on. Holders of such Certificates will not be entitled to any payment in respect of Accrued Certificate Interest on the amount of such increases for any Interest Accrual Period preceding the Interest Accrual Period that relates to the Distribution Date on which such increase occurs. Any such increases shall be applied to the Certificate Principal Balance of each Certificate of such Class in accordance with its respective Percentage Interest. (g) Each distribution with respect to a Book-Entry Certificate shall be paid to the Depository, as Holder thereof, and the Depository shall be solely responsible for crediting the amount of such distribution to the accounts of its Depository Participants in accordance with its normal procedures. Each Depository Participant shall be responsible for disbursing such distribution to the Certificate Owners that it represents and to each indirect participating brokerage firm (a "brokerage firm") for which it acts as agent. Each brokerage firm shall be responsible for disbursing funds to the Certificate Owners that it represents. None of the Trustee, the Certificate Registrar, the Company or the Master Servicer shall have any responsibility therefor. (h) Except as otherwise provided in Section 9.01, if the Master Servicer anticipates that a final distribution with respect to any Class of Certificates will be made on the next Distribution Date, the Master Servicer shall, no later than the Determination Date in the month of such final distribution, notify the Trustee and the Trustee shall, no later than two (2) Business Days after such Determination Date, mail on such date to each Holder of such Class of Certificates a notice to the effect that: (i) the Trustee anticipates that the final distribution with respect to such Class of Certificates will be made on such Distribution Date but only upon presentation and surrender of such Certificates at the office of the Trustee or as otherwise specified therein, and (ii) no interest shall accrue on such Certificates from and after the end of the 32 related Interest Accrual Period. In the event that Certificateholders required to surrender their Certificates pursuant to Section 9.01(c) do not surrender their Certificates for final cancellation, the Trustee shall cause funds distributable with respect to such Certificates to be withdrawn from the Certificate Account and credited to a separate escrow account for the benefit of such Certificateholders as provided in Section 9.01(d) (i) 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 6.25% 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 Balances thereof have 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, Exchange Act Reporting (a) Concurrently with each distribution charged to the Certificate Account and with respect to each Distribution Date the Master Servicer shall forward to the Trustee and the Trustee shall either forward by mail or make available to each Holder and the Company, via the Trustee's internet website, a statement (and at its option, any additional files containing the same information in an alternative format) setting forth information as to each Class of Certificates, the Mortgage Pool and, if the Mortgage Pool is comprised of two or more Loan Groups, each Loan Group, to the extent applicable. This statement will include the information set forth in an exhibit to the Series Supplement. Such exhibit shall set forth the Trustee's internet website address together with a phone number. The Trustee shall mail to each Holder that requests a paper copy by telephone a paper copy via first class mail. The Trustee may modify the distribution procedures set forth in this Section provided that such procedures are no less convenient for the Certificateholders. The Trustee shall provide prior notification to the Company, the Master Servicer and the Certificateholders regarding any such modification. In addition, the Master Servicer shall provide to any manager of a trust fund consisting of some or all of the Certificates, upon reasonable request, such additional information as is reasonably obtainable by the Master Servicer at no additional expense to the Master Servicer. (b) Within a reasonable period of time after the end of each calendar year, the Master Servicer shall prepare, or cause to be prepared, and shall forward, or cause to be forwarded, to each Person who at any time during the calendar year was the Holder of a Certificate, other than a Class R Certificate, a statement containing the information set forth in clauses (i) and (ii) of the exhibit to the Series Supplement referred to in subsection (a) above aggregated for such calendar year or applicable portion thereof during which such Person 33 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. (e) The Master Servicer shall, on behalf of the Depositor and in respect of the Trust Fund, sign and cause to be filed with the Commission any periodic reports required to be filed under the provisions of the Exchange Act, and the rules and regulations of the Commission thereunder. In connection with the preparation and filing of such periodic reports, the Trustee shall timely provide to the Master Servicer (I) a list of Certificateholders as of the end of each calendar year, (II) all material information with respect to any legal proceedings involving the Trustee or the Trust Fund that is in the possession of the Trustee and is not, to the best of the Trustee's knowledge, in the possession of the Master Servicer, (III) all material information with respect to the submission of matters to a vote of the Certificateholders that is in the possession of the Trustee and is not, to the best of the Trustee's knowledge, in the possession of the Master Servicer, and (IV) all material information with respect to any failure of the Trustee to make any distribution to the Certificateholders as required pursuant to this Agreement. Neither the Master Servicer nor the Trustee shall have any liability with respect to the Master Servicer's failure to properly prepare or file such periodic reports resulting from or relating to the Master Servicer's inability or failure to obtain any information not resulting from the Master Servicer's own negligence or willful misconduct. Any Form 10-K filed with the Commission in connection with this clause (e) shall include a certification, signed by the senior officer in charge of the servicing functions of the Master Servicer, in the form attached as Exhibit Five hereto or such other form as may be required or permitted by the Commission (the "Form 10-K Certification"), in compliance with Rule 13a-14 and 15d-14 under the Exchange Act and any additional directives of the Commission. This Section 4.03(e) may be amended in accordance with this Agreement without the consent of the Certificateholders. 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 34 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 principal and interest portion 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; provided, however, that Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates is reduced to zero. 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 Certificates) and the Subordinate Certificates, on a pro rata basis, as described below; provided, however, that such Realized Losses otherwise allocable to the Super Senior Certificates will be allocated to the Senior Support Certificates until the Certificate Principal Balance of the Senior Support Certificates has been reduced to zero. 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 35 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. 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) 36 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)(i). (See Section 5.02(a) - (e)(i) of the Standard Terms) (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), PTE 2000-58, 65 Fed. Reg. 67765 (November 13, 2000), and PTE 2002-41, 67 Fed. Reg. 54487 (August 22, 2002) (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. (e)(iii) - (h). (See Section 5.02(e)(iii) - (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) 37 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 38 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 39 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 40 ARTICLE IX. TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 41 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 an 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-6, Class A-7, Class A-8, Class A-9, Class A-10, 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). 42 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest R, (ii) Uncertificated REMIC I Regular Interest S, (iii) Uncertificated REMIC I Regular Interest T; (iv) Uncertificated REMIC I Regular Interest U; (v) Uncertificated REMIC I Regular Interest V; (vi) Uncertificated REMIC I Regular Interest W; (vii) Uncertificated REMIC I Regular Interest X and (viii) 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 Z pro-rata according to the respective amounts of Uncertificated Accrued Interest that would have accrued on such Uncertificated REMIC II Regular Interests Z 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 under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest R; (iii) Realized Losses allocated to the Class A-2 Certificates and Class A-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest S; (iv) Realized Losses allocated to the Class A-4 Certificates and Class A-9 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest T; (v) Realized Losses allocated to the Class A-5 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest U; (vi) Realized Losses allocated to the Class A-7 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest V; (vii) Realized Losses allocated to the Class A-10 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W: 43 (viii) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (ix) Realized Losses allocated to the Class A-6, Class A-8, 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 (ix) Realized Losses allocated to the Uncertificated REMIC II Regular Interests Z 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 their respective Uncertificated REMIC II Regular Interest Distribution Amounts, as such Uncertificated REMIC II Regular Interests Z 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. 44 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-QS12 The Trustee designates its offices located at c/o DTC Transfer Services, 55 Water Street, Jeanette Street Park Entrance, New York, New York 10041, for the purposes of Section 8.12 of the Standard Terms Fitch Ratings One State Street Plaza New York, New York 10004 Standard & Poor's Ratings 55 Water Street Services, a division of The New York, New York 10041 McGraw-Hill Companies, Inc.
45 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. 96% 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-3 Certificates, in accordance with their respective Percentage Interests; 1% of all Voting Rights shall be allocated among the Holders of the Class A-9 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. 46 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// Joseph Orning ------------------------------- Name: Joseph Orning 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// Karen Fox ------------------------------------ Name: Karen Fox Title: Director DEUTSCHE BANK TRUST COMPANY AMERICAS, as Trustee [Seal] By: //s// Ronaldo Reyes --------------------------------- Name: Ronaldo Reyes Title: Associate By: //s// James F. Noriega --------------------------------- Name: James F. Noriega Title: Associate Attest: //s// Barbara Campbell ------------------------------------ Name: Barbara Campbell Title: Assistant Secretary 47 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 27th day of September, 2002 before me, a notary public in and for said State, personally appeared Joseph Orning, 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// Maren Matthews ---------------------------- Notary Public [Notarial Seal] 48 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 27th day of September, 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// Maren Matthews ---------------------------- Notary Public [Notarial Seal] 49 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 27th day of September, 2002 before me, a notary public in and for said State, personally appeared Ronaldo Reyes, known to me to be an Associate of Deutsche Bank Trust Company Americas, 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] 50 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 27th day of September, 2002 before me, a notary public in and for said State, personally appeared James F. Noriega, known to me to be an Associate of Deutsche Bank Trust Company Americas, 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] 51 EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 09/24/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.53.25 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2002-QS12 CUTOFF : 09/01/02 POOL : 0004621 : : 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 --------------------------------------------------------------------------- 5085314 .2500 133,429.57 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 5474886 .2500 323,859.89 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 5536482 .2500 716,605.11 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 5791336 .2500 51,841.22 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 6632756 .2500 362,900.88 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 7447603 .2500 451,547.61 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 1 7586120 .2500 208,597.96 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7649357 .2500 138,603.79 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 7651370 .2500 150,603.08 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 7665629 .2500 151,555.71 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 7669339 .2500 144,365.23 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7670591 .2500 71,794.74 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 7672771 .2500 235,468.58 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 7676799 .2500 151,760.39 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 1 7681511 .2500 266,993.05 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7684145 .2500 189,356.02 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7685253 .2500 221,826.27 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 7695893 .2500 91,813.58 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.2500 1.4200 7699775 .2500 211,488.38 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 7706811 .2500 214,246.41 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 7712217 .2500 35,928.84 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.2500 1.4200 7713063 .2500 224,532.40 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.2500 1.2950 1 7713299 .2500 349,116.10 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7718251 .2500 159,233.43 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 7721657 .2500 197,522.18 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 7722325 .2500 184,311.83 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7727071 .2500 83,877.76 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 7727419 .2500 235,401.79 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7731393 .2500 83,708.22 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 7732205 .2500 58,861.10 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 1 7734777 .2500 70,189.03 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7735091 .2500 39,088.28 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 7742823 .2500 94,132.94 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 7742879 .2500 386,310.69 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 7748369 .2500 72,607.27 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 7751391 .2500 114,744.59 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 7751479 .2500 80,806.46 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.2500 1.6700 7751533 .2500 132,581.66 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 1 7756137 .2500 159,767.66 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 7757429 .2500 173,650.79 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7759693 .2500 99,240.55 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 7760745 .2500 124,982.39 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 7760773 .2500 62,851.65 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 7763299 .2500 139,775.42 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 7764575 .2500 143,589.45 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 7766311 .2500 51,390.25 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 1 7766829 .2500 61,737.92 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.2500 1.5450 7769175 .2500 226,753.43 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 7769571 .2500 96,760.08 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 7769655 .2500 148,466.64 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7770619 .2500 251,605.65 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 7771711 .2500 211,642.76 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7771847 .2500 100,983.70 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 7774353 .2500 185,739.46 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 1 7775911 .2500 104,831.58 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 7775917 .2500 98,237.83 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 7776323 .2500 60,989.51 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 7776905 .2500 178,977.63 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 7776985 .2500 27,453.21 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 7778193 .2500 115,720.07 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 7778347 .2500 56,088.45 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7778359 .2500 123,760.78 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 1 7778933 .2500 175,843.35 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 7780355 .2500 67,394.36 .0800 7.2500 .0000 7.0000 .0000 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7996125 .2500 292,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 7996133 .2500 380,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 7996149 .2500 206,000.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 7996173 .2500 87,600.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 7996613 .2500 91,273.25 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7996891 .2500 152,850.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 1 7997101 .2500 202,500.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 7997139 .2500 230,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7997341 .2500 38,700.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 7997431 .2500 284,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 7997501 .2500 132,000.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 7997583 .2500 300,000.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 7997615 .2500 86,800.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 7999665 .2500 57,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 1 7999675 .2500 220,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 7999685 .2500 210,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 7999695 .2500 266,250.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 7999745 .2500 97,600.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 7999811 .2500 238,400.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 7999829 .2500 130,500.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8000037 .2500 161,910.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 8000175 .2500 68,640.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 1 8000335 .2500 84,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8001121 .2500 118,800.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 8001173 .2500 152,000.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.2500 1.2950 8001179 .2500 94,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 8001201 .2500 101,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8001219 .2500 484,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8001227 .2500 297,500.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 8001241 .2500 367,500.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 1 8001279 .2500 64,685.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 8001297 .2500 108,300.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 8001301 .2500 280,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 8001349 .2500 221,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8001389 .2500 144,800.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 8001419 .2500 362,700.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 8001611 .2500 581,200.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8002431 .2500 264,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 1 8002489 .2500 230,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8002551 .2500 473,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8002731 .2500 85,850.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8002953 .2500 459,000.00 .0300 6.3750 .0000 6.1250 .0000 6.0950 .0000 6.0950 .0000 8003053 .2500 185,200.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8003063 .2500 640,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 8003713 .2500 129,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8004573 .2500 113,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 1 8004611 .2500 60,100.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8005033 .2500 380,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8005057 .2500 220,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8005077 .2500 609,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8005111 .2500 157,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 8005119 .2500 376,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8005155 .2500 75,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8005159 .2500 188,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 1 8005165 .2500 135,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8005183 .2500 340,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8005187 .2500 268,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8005213 .2500 84,000.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 8005229 .2500 225,600.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 8005299 .2500 76,500.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.2500 1.2950 8007057 .2500 61,240.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8007093 .2500 195,500.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 1 8007137 .2500 229,500.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8007147 .2500 185,250.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8007223 .2500 240,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8007293 .2500 298,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8007295 .2500 260,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8007417 .2500 91,909.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8007895 .2500 129,600.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8008095 .2500 290,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 1 8008479 .2500 108,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 8009373 .2500 328,500.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8009387 .2500 320,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8009419 .2500 217,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8009423 .2500 268,000.00 .0300 6.3750 .0000 6.1250 .0000 6.0950 .0000 6.0950 .0000 8009469 .2500 320,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8009485 .2500 76,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 8009529 .2500 260,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 1 8009541 .2500 205,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8009657 .2500 124,450.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 8009695 .2500 160,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8009977 .2500 65,700.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 8011135 .2500 118,400.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 8011313 .2500 384,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8011615 .2500 435,000.00 .0300 6.3750 .0000 6.1250 .0000 6.0950 .0000 6.0950 .0000 8011631 .2500 149,888.67 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 1 8011633 .2500 145,880.32 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8011635 .2500 32,968.49 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8011639 .2500 439,639.33 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8011645 .2500 53,959.92 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 8011659 .2500 233,808.19 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8011661 .2500 146,729.56 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8011677 .2500 198,844.75 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8011679 .2500 155,872.12 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 1 8011681 .2500 127,889.79 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8011683 .2500 137,889.64 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 8011685 .2500 152,877.65 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 8011691 .2500 52,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 8011699 .2500 473,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8011703 .2500 108,000.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 8011739 .2500 188,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8011783 .2500 322,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 1 8011841 .2500 126,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 8011939 .2500 480,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8011977 .2500 136,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8013301 .2500 275,000.00 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 8013371 .2500 110,800.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8013451 .2500 184,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8013495 .2500 61,200.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8013579 .2500 78,500.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 1 8013685 .2500 117,900.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8013769 .2500 165,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 8014153 .2500 100,450.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8015103 .2500 101,150.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 8015233 .2500 212,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8015537 .2500 149,000.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 8016851 .2500 70,650.00 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.2500 1.0450 8018011 .2500 146,300.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.2500 .7950 1 8022153 .2500 71,000.00 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 8022721 .2500 468,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8025327 .2500 204,000.00 .0300 6.3750 .0000 6.1250 .0000 6.0950 .0000 6.0950 .0000 8034335 .2500 300,700.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8036677 .2500 276,000.00 .0300 6.5000 .0000 6.2500 .0000 6.2200 .0000 6.2200 .0000 8052746 .2500 56,774.98 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8248026 .2500 51,488.97 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.2500 1.6700 8284824 .2500 525,996.98 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.2500 .5450 1 8312958 .2500 251,435.42 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.2500 .9200 8317772 .2500 159,730.39 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8318398 .2500 84,933.69 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8319340 .2500 84,933.69 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8319972 .2500 120,401.23 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.2500 .4200 8321096 .2500 211,817.47 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8321544 .2500 227,698.93 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8322238 .2500 149,383.38 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 1 8322490 .2500 225,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8322984 .2500 136,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8322990 .2500 415,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8323174 .2500 270,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.2500 .2950 8323188 .2500 170,400.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8323192 .2500 280,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8323864 .2500 251,500.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.2500 1.1700 8324172 .2500 280,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 1 8324200 .2500 212,400.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 8324648 .2500 370,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.2500 .6700 8326262 .2500 298,750.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.2500 .0450 8326470 .2500 301,750.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.2500 .1700 TOTAL NUMBER OF LOANS: 2322 TOTAL BALANCE........: 371,546,460.24 RUN ON : 09/24/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 09.53.25 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2002-QS12 FIXED SUMMARY REPORT CUTOFF : 09/01/02 POOL : 0004621 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ----------------------------------------------------------------------------- CURR NOTE RATE 7.1330 6.1250 8.8750 RFC NET RATE 6.8829 5.8750 8.6250 NET MTG RATE(INVSTR RATE) 6.8069 5.8450 8.5450 POST STRIP RATE 6.2431 5.8450 6.2500 SUB SERV FEE .2501 .2500 .3750 MSTR SERV FEE .0761 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .5637 .0000 2.2950 TOTAL NUMBER OF LOANS: 2322 TOTAL BALANCE........: 371,546,460.24 *************************** * END OF REPORT * *************************** RUN ON : 09/24/02 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 09.53.25 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2002-QS12 CUTOFF : 09/01/02 POOL : 0004621 : : 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 # ______________________________________________________________________________ 5085314 074/G02 F 135,000.00 ZZ 360 133,429.57 1 7.500 943.94 55 7.250 943.94 GLEN CARBON IL 62034 5 05/24/01 00 0432933828 05 07/01/01 0 1632071308 O 06/01/31 0 5474886 T44/G02 F 328,000.00 ZZ 360 323,859.89 1 7.500 2,293.42 80 7.250 2,293.42 BENICIA CA 94510 5 09/07/01 00 0433251246 05 11/01/01 0 1017590 O 10/01/31 0 5536482 R65/G02 F 723,000.00 ZZ 360 716,605.11 1 7.250 4,932.13 73 7.000 4,932.13 DEERFIELD IL 60015 2 09/27/01 00 0433349396 05 11/01/01 0 20014313 O 10/01/31 0 5791336 U45/G02 F 52,250.00 ZZ 360 51,841.22 1 7.375 360.88 95 7.125 360.88 COLORADO SPRING CO 80906 1 10/05/01 01 0433370194 08 12/01/01 30 1 6187110675 O 11/01/31 0 6632756 696/G02 F 365,800.00 ZZ 360 362,900.88 1 6.750 2,372.57 80 6.500 2,372.57 SILVER SPRING MD 20904 1 11/15/01 00 0433389715 03 01/01/02 0 32201118 O 12/01/31 0 7447603 E82/G02 F 453,200.00 ZZ 360 451,547.61 1 7.000 3,015.15 76 6.750 3,015.15 TEMPLETON CA 93465 2 04/09/02 00 0400603379 05 06/01/02 0 4306737 O 05/01/32 0 7586120 E82/G02 F 210,000.00 ZZ 360 208,597.96 1 6.875 1,379.55 75 6.625 1,379.55 BEND OR 97701 5 01/24/02 00 0400540423 05 03/01/02 0 0400540423 O 02/01/32 0 7649357 642/G02 F 139,000.00 ZZ 360 138,603.79 1 7.750 995.81 100 7.500 995.81 BLOOMINGTON CA 92316 2 04/22/02 10 0433951191 05 06/01/02 35 03174102 O 05/01/32 0 7651370 588/G02 F 151,200.00 ZZ 360 150,603.08 1 7.250 1,031.45 80 7.000 1,031.45 CENTREVILLE VA 20120 1 03/08/02 00 0433852407 09 05/01/02 0 1058807 O 04/01/32 0 1 7665629 E86/G02 F 152,000.00 ZZ 360 151,555.71 1 7.625 1,075.85 80 7.375 1,075.85 MORENO VALLEY CA 92555 1 04/11/02 00 0434159497 05 06/01/02 0 0000188152 O 05/01/32 0 7669339 477/G02 F 144,800.00 ZZ 360 144,365.23 1 7.500 1,012.46 80 7.250 1,012.46 GRIZZLY FLATS CA 95636 2 04/22/02 00 0433984093 05 06/01/02 0 107906 O 05/01/32 0 7670591 E22/G02 F 72,000.00 ZZ 360 71,794.74 1 7.750 515.82 90 7.500 515.82 SACRAMENTO CA 95820 1 04/25/02 04 0413974460 05 06/01/02 25 0413974460 N 05/01/32 0 7672771 964/G02 F 236,250.00 ZZ 360 235,468.58 1 7.000 1,571.78 75 6.750 1,571.78 DENVER CO 80212 5 04/23/02 00 0434467783 01 06/01/02 0 204484 O 05/01/32 0 7676799 T29/G02 F 152,228.00 ZZ 360 151,760.39 1 7.375 1,051.40 80 7.125 1,051.40 PHOENIX AZ 85085 1 04/17/02 00 0433988599 03 06/01/02 0 1200805 O 05/01/32 0 7681511 624/G02 F 268,000.00 ZZ 360 266,993.05 1 7.500 1,873.89 80 7.250 1,873.89 1 SAN LUIS OBISPO CA 93401 1 03/27/02 00 0434008223 05 05/01/02 0 72017420013F N 04/01/32 0 7684145 P09/G02 F 190,000.00 ZZ 360 189,356.02 1 6.875 1,248.16 87 6.625 1,248.16 ASHBURN VA 20147 5 04/30/02 10 0434044764 09 06/01/02 25 R0204049 O 05/01/32 0 7685253 E22/G02 F 222,300.00 ZZ 360 221,826.27 4 7.750 1,592.58 95 7.500 1,592.58 CHICAGO IL 60620 1 05/10/02 11 0413782004 05 07/01/02 30 0413782004 O 06/01/32 0 7695893 U05/G02 F 92,000.00 ZZ 360 91,813.58 1 8.000 675.06 77 7.750 675.06 LUBBOCK TX 79403 5 05/03/02 00 0434419180 05 07/01/02 0 3214481 O 06/01/32 0 7699775 X08/G02 F 212,000.00 ZZ 360 211,488.38 2 7.125 1,428.28 80 6.875 1,428.28 HEBER CITY UT 84032 2 05/13/02 00 0434040465 05 07/01/02 0 1562146 N 06/01/32 0 7706811 676/G02 F 216,000.00 ZZ 360 214,246.41 1 6.625 1,383.08 67 6.375 1,383.08 KANEOHE HI 96744 2 11/09/01 00 0434114963 05 01/01/02 0 VAKAUTA O 12/01/31 0 1 7712217 U66/G02 F 36,000.00 ZZ 360 35,928.84 2 8.000 264.16 90 7.750 264.16 HOUSTON TX 77004 1 05/07/02 11 0434140612 05 07/01/02 25 378 N 06/01/32 0 7713063 E22/G02 F 225,000.00 ZZ 360 224,532.40 1 7.875 1,631.41 90 7.625 1,631.41 WELLINGTON CO 80549 2 05/22/02 04 0413822347 04 07/01/02 25 0413822347 O 06/01/32 0 7713299 E22/G02 F 349,900.00 ZZ 360 349,116.10 1 7.500 2,446.55 68 7.250 2,446.55 POLLOCK PINES CA 95726 2 05/14/02 00 0414110817 05 07/01/02 0 0414110817 O 06/01/32 0 7718251 477/G02 F 159,600.00 ZZ 360 159,233.43 2 7.375 1,102.32 80 7.125 1,102.32 LOS ANGELES CA 90016 1 05/01/02 00 0434071007 05 07/01/02 0 232160 O 06/01/32 0 7721657 E57/G02 F 198,000.00 ZZ 360 197,522.18 1 7.125 1,333.96 90 6.875 1,333.96 MADERA CA 93638 1 05/21/02 01 0434115077 05 07/01/02 30 13002431 O 06/01/32 0 7722325 964/G02 F 185,000.00 ZZ 360 184,311.83 1 1 6.875 1,215.32 44 6.625 1,215.32 SOUTH SAN FRANC CA 94080 5 04/22/02 00 0434066197 05 06/01/02 0 202660 O 05/01/32 0 7727071 601/G02 F 84,500.00 T 360 83,877.76 1 7.125 569.30 71 6.875 569.30 CLINTON OH 42216 5 05/03/02 00 0434088266 05 06/01/02 0 6124894 O 05/01/32 0 7727419 E22/G02 F 236,000.00 ZZ 360 235,401.79 1 6.875 1,550.35 80 6.625 1,550.35 AUSTIN TX 78739 5 05/22/02 00 0414126235 03 07/01/02 0 0414126235 O 06/01/32 0 7731393 601/G02 F 84,000.00 ZZ 360 83,708.22 1 6.750 544.83 80 6.500 544.83 TAMPA FL 33612 5 05/02/02 00 0434078929 05 06/01/02 0 61433504 O 05/01/32 0 7732205 W53/G02 F 59,000.00 ZZ 360 58,861.10 1 7.250 402.48 68 7.000 402.48 SPRING TX 77388 5 05/10/02 00 0434363883 03 07/01/02 0 8991129600 O 06/01/32 0 7734777 E45/G02 F 70,400.00 ZZ 360 70,189.03 1 7.500 492.25 80 7.250 492.25 SARASOTA FL 34236 1 04/29/02 00 0434174884 05 06/01/02 0 1 230026 N 05/01/32 0 7735091 E45/G02 F 39,200.00 ZZ 360 39,088.28 1 7.750 280.83 80 7.500 280.83 BROOKSVILLE FL 34602 5 05/03/02 00 0434103891 05 06/01/02 0 224663 O 05/01/32 0 7742823 W40/G02 F 94,500.00 ZZ 360 94,132.94 1 7.750 677.01 90 7.500 677.01 DETROIT MI 48228 1 05/30/02 01 0434099248 05 07/01/02 25 200006888 O 06/01/32 0 7742879 696/G02 F 387,200.00 ZZ 360 386,310.69 1 7.375 2,674.29 80 7.125 2,674.29 ALEXANDRIA VA 22301 1 05/31/02 00 0434086765 05 07/01/02 0 30502063 O 06/01/32 0 7748369 E22/G02 F 72,800.00 T 360 72,607.27 1 7.625 515.27 80 7.375 515.27 EVERETT MI 49301 1 06/04/02 00 0414146415 05 07/01/02 0 0414146415 O 06/01/32 0 7751391 E22/G02 F 115,000.00 ZZ 360 114,744.59 1 7.250 784.50 100 7.000 784.50 MADERA CA 93638 2 05/29/02 01 0414105999 05 08/01/02 35 0414105999 O 07/01/32 0 1 7751479 E22/G02 F 80,910.00 ZZ 360 80,806.46 4 8.250 607.85 90 8.000 607.85 SAINT LOUIS MO 63118 1 06/05/02 04 0414169300 05 08/01/02 25 0414169300 N 07/01/32 0 7751533 E22/G02 F 132,800.00 ZZ 360 132,581.66 1 7.000 883.52 80 6.750 883.52 PUEBLO CO 81003 2 06/05/02 00 0414191882 05 08/01/02 0 0414191882 N 07/01/32 0 7756137 E22/G02 F 160,000.00 ZZ 360 159,767.66 1 7.625 1,132.47 64 7.375 1,132.47 COLBERT WA 99005 5 05/29/02 00 0414126797 05 08/01/02 0 0414126797 O 07/01/32 0 7757429 E47/G02 F 174,041.00 ZZ 360 173,650.79 1 7.500 1,216.92 77 7.250 1,216.92 MONROVIA MD 21770 5 05/24/02 00 0434136263 05 07/01/02 0 7339010460 O 06/01/32 0 7759693 E82/G02 F 99,400.00 ZZ 360 99,240.55 1 7.125 669.68 89 6.875 669.68 BIRMINGHAM AL 35205 2 06/05/02 10 0400630109 05 08/01/02 25 0400630109 O 07/01/32 0 7760745 196/G02 F 125,400.00 ZZ 360 124,982.39 1 7.375 866.11 95 7.125 866.11 1 LOCKPORT IL 60441 1 05/06/02 10 0434189312 05 07/01/02 35 1536381 O 06/01/32 0 7760773 196/G02 F 63,000.00 ZZ 360 62,851.65 1 7.250 429.78 60 7.000 429.78 FRESNO CA 93722 1 05/29/02 00 0434179966 05 07/01/02 0 1537305 O 06/01/32 0 7763299 K15/G02 F 140,000.00 ZZ 360 139,775.42 1 7.125 943.21 74 6.875 943.21 BRENTWOOD NY 11717 5 05/31/02 00 0434111886 05 08/01/02 0 20805303346 O 07/01/32 0 7764575 W50/G02 F 143,920.00 ZZ 360 143,589.45 1 7.375 994.02 80 7.125 994.02 MINNEAPOLIS MN 55413 1 05/21/02 00 0434342291 05 07/01/02 0 0020563 O 06/01/32 0 7766311 E22/G02 F 51,500.00 ZZ 360 51,390.25 1 7.750 368.95 100 7.500 368.95 SAN BERNARDINO CA 92410 1 05/14/02 01 0414090639 05 07/01/02 35 0414090639 O 06/01/32 0 7766829 313/G02 F 62,000.00 ZZ 360 61,737.92 1 8.125 460.35 80 7.875 460.35 INDIANAPOLIS IN 46227 1 05/23/02 00 0434472049 05 07/01/02 0 0008751661 N 06/01/32 0 1 7769175 738/G02 F 227,250.00 ZZ 360 226,753.43 2 7.625 1,608.46 90 7.375 1,608.46 MIAMI FL 33137 1 05/24/02 10 0434206173 05 07/01/02 25 40429881 O 06/01/32 0 7769571 U05/G02 F 97,000.00 ZZ 360 96,760.08 1 7.000 645.34 80 6.750 645.34 CENTRAL POINT OR 97502 5 05/29/02 00 0434321295 05 07/01/02 0 3228462 O 06/01/32 0 7769655 477/G02 F 148,800.00 ZZ 360 148,466.64 1 7.500 1,040.43 80 7.250 1,040.43 ELK GROVE CA 95758 1 05/23/02 00 0434162350 05 07/01/02 0 232419 O 06/01/32 0 7770619 737/G02 F 252,000.00 ZZ 360 251,605.65 4 7.250 1,719.08 80 7.000 1,719.08 LONG BEACH CA 90810 1 06/06/02 00 0434122644 05 08/01/02 0 1821628 O 07/01/32 0 7771711 E22/G02 F 212,000.00 ZZ 360 211,642.76 4 6.875 1,392.69 80 6.625 1,392.69 REDLANDS CA 92374 1 06/06/02 00 0414154542 05 08/01/02 0 0414154542 N 07/01/32 0 7771847 E22/G02 F 101,150.00 ZZ 360 100,983.70 1 1 7.000 672.95 85 6.750 672.95 MIAMI FL 33056 5 06/07/02 04 0414234583 05 08/01/02 12 0414234583 O 07/01/32 0 7774353 964/G02 F 186,200.00 ZZ 360 185,739.46 1 7.000 1,238.79 95 6.750 1,238.79 LAS VEGAS NV 89103 1 05/29/02 12 0434199089 05 07/01/02 30 213954 O 06/01/32 0 7775911 964/G02 F 105,000.00 ZZ 360 104,831.58 1 7.125 707.40 80 6.875 707.40 MCMINNVILLE OR 97128 2 06/03/02 00 0434122636 05 08/01/02 0 216140 N 07/01/32 0 7775917 964/G02 F 98,500.00 ZZ 360 98,237.83 1 6.625 630.71 62 6.375 630.71 BEND OR 97701 5 05/31/02 00 0434185898 05 07/01/02 0 216373 O 06/01/32 0 7776323 E22/G02 F 61,200.00 ZZ 360 60,989.51 1 7.625 433.17 90 7.375 433.17 CLEVELAND OH 44105 1 06/13/02 04 0414255034 05 08/01/02 25 0414255034 O 07/01/32 0 7776905 624/G02 F 179,400.00 ZZ 360 178,977.63 1 7.250 1,223.82 78 7.000 1,223.82 STOCKTON CA 95206 5 05/11/02 00 0434135489 05 07/01/02 0 1 1000001656 O 06/01/32 0 7776985 624/G02 F 27,518.00 ZZ 360 27,453.21 1 7.250 187.72 80 7.000 187.72 LAS VEGAS NV 89110 1 05/14/02 00 0434167177 09 07/01/02 0 1000001290 N 06/01/32 0 7778193 624/G02 F 116,000.00 ZZ 360 115,720.07 1 7.125 781.51 80 6.875 781.51 SAN DIEGO CA 92123 1 05/07/02 00 0434175758 01 07/01/02 0 3701992002 N 06/01/32 0 7778347 G75/G75 F 56,300.00 ZZ 360 56,088.45 2 7.500 393.66 80 7.250 393.66 BALTIMORE MD 21212 5 03/22/02 00 04597540 05 05/01/02 0 04597540 N 04/01/32 0 7778359 G75/G75 F 123,950.00 ZZ 360 123,760.78 1 7.375 856.10 80 7.125 856.10 CAPITOL HEIGHTS MD 20743 1 06/05/02 00 04661864 05 08/01/02 0 04661864 O 07/01/32 0 7778933 U05/G02 F 176,300.00 ZZ 360 175,843.35 1 7.625 1,247.84 95 7.375 1,247.84 HOMESTEAD FL 33030 1 06/07/02 11 0434167458 05 08/01/02 30 3232957 O 07/01/32 0 1 7780355 E22/G02 F 67,500.00 ZZ 360 67,394.36 1 7.250 460.47 90 7.000 460.47 DETROIT MI 48221 5 06/10/02 04 0414221150 05 08/01/02 25 0414221150 O 07/01/32 0 7781971 144/144 F 63,000.00 ZZ 360 62,858.84 1 7.500 440.51 90 7.250 440.51 LIVINGSTON MANO NY 12758 1 05/17/02 14 1 05 07/01/02 25 1 O 06/01/32 0 7782113 J95/G02 F 39,240.00 ZZ 360 39,138.87 2 8.250 294.80 90 8.000 294.80 ST. LOUIS MO 63107 1 04/23/02 10 0434204236 05 06/01/02 25 0028830800 N 05/01/32 0 7782601 964/G02 F 265,500.00 ZZ 360 265,094.72 4 7.375 1,833.74 90 7.125 1,833.74 SACRAMENTO CA 95825 1 06/10/02 11 0434467726 05 08/01/02 25 214658 N 07/01/32 0 7783825 E22/G02 F 162,450.00 ZZ 360 162,200.72 1 7.500 1,135.87 95 7.250 1,135.87 APPLE VALLEY CA 92307 5 06/07/02 04 0413848144 05 08/01/02 30 0413848144 O 07/01/32 0 7784065 E22/G02 F 30,828.00 ZZ 360 30,787.53 2 8.125 228.90 90 7.875 228.90 1 MEMPHIS TN 38109 1 06/13/02 01 0414210492 05 08/01/02 25 0414210492 N 07/01/32 0 7784143 E22/G02 F 55,400.00 ZZ 360 55,313.30 1 7.250 377.93 74 7.000 377.93 GREENACRES FL 33463 5 06/12/02 00 0414248831 09 08/01/02 0 0414248831 O 07/01/32 0 7784177 E22/G02 F 30,828.00 ZZ 360 30,787.53 2 8.125 228.90 90 7.875 228.90 MEMPHIS TN 38109 1 06/13/02 01 0414272856 05 08/01/02 25 0414272856 N 07/01/32 0 7784579 X60/G02 F 228,800.00 ZZ 360 228,423.82 1 7.000 1,522.21 80 6.750 1,522.21 BELLEVUE WA 98008 1 06/13/02 00 0434181384 01 08/01/02 0 10205005 O 07/01/32 0 7785709 286/286 F 100,000.00 ZZ 360 99,734.09 1 7.250 682.18 80 7.000 682.18 PENDLETON IN 46064 1 05/10/02 00 1272958 05 07/01/02 0 1272958 O 06/01/32 0 7785913 286/286 F 98,000.00 ZZ 360 97,667.79 1 6.875 643.80 78 6.625 643.80 DURHAM NC 27707 2 05/01/02 00 1028108 05 06/01/02 0 1028108 N 05/01/32 0 1 7786191 286/286 F 95,920.00 ZZ 360 95,688.49 1 7.125 646.24 80 6.875 646.24 PALMYRA PA 17078 1 05/21/02 00 1058755 03 07/01/02 0 1058755 O 06/01/32 0 7786255 286/286 F 95,000.00 ZZ 360 94,770.71 1 7.125 640.04 90 6.875 640.04 CLINTON TOWNSHI MI 48036 2 05/14/02 10 1271178 01 07/01/02 25 1271178 O 06/01/32 0 7786263 286/286 F 99,750.00 ZZ 360 99,515.12 1 7.250 680.48 95 7.000 680.48 MIAMI FL 33173 1 05/17/02 10 1282367 03 07/01/02 30 1282367 O 06/01/32 0 7786333 286/286 F 97,200.00 ZZ 360 96,971.13 1 7.250 663.08 90 7.000 663.08 CHARLOTTE NC 28212 2 05/17/02 12 1269918 05 07/01/02 25 1269918 O 06/01/32 0 7786339 286/286 F 99,000.00 ZZ 360 98,705.10 1 7.125 666.99 78 6.875 666.99 PEKIN IN 47165 2 05/22/02 00 1267720 05 07/01/02 0 1267720 O 06/01/32 0 7786355 286/286 F 95,000.00 ZZ 360 94,776.32 1 1 7.250 648.07 71 7.000 648.07 GREENTOWN IN 46936 1 05/20/02 00 1274348 05 07/01/02 0 1274348 O 06/01/32 0 7786789 286/286 F 95,800.00 ZZ 360 95,465.06 1 7.250 653.53 78 7.000 653.53 GRANTS NM 87020 2 04/23/02 00 1268508 05 06/01/02 0 1268508 N 05/01/32 0 7787137 286/286 F 106,000.00 ZZ 360 105,657.88 1 7.125 714.15 76 6.875 714.15 COLUMBUS OH 43016 5 04/09/02 00 1065270 05 06/01/02 0 1065270 N 05/01/32 0 7787149 286/286 F 76,000.00 ZZ 360 75,821.05 1 7.250 518.46 80 7.000 518.46 MONROEVILLE PA 15146 1 05/13/02 00 1290706 05 07/01/02 0 1290706 N 06/01/32 0 7788773 E22/G02 F 93,520.00 ZZ 360 93,362.41 1 6.875 614.36 80 6.625 614.36 BOISE ID 83709 1 06/12/02 00 0414257634 03 08/01/02 0 0414257634 O 07/01/32 0 7788785 E22/G02 F 118,750.00 ZZ 360 118,590.11 1 8.000 871.35 95 7.750 871.35 MAYWOOD IL 60153 5 06/13/02 01 0414264218 05 08/01/02 30 1 0414264218 O 07/01/32 0 7791575 K15/G02 F 145,000.00 ZZ 360 144,778.13 1 7.375 1,001.48 73 7.125 1,001.48 BRENTWOOD NY 11717 5 06/12/02 00 0434199097 05 08/01/02 0 020805303419 O 07/01/32 0 7791781 E22/G02 F 175,950.00 ZZ 360 175,667.75 1 7.125 1,185.41 79 6.875 1,185.41 DENTON TX 76207 5 06/13/02 00 0414139469 05 08/01/02 0 0414139469 O 07/01/32 0 7791899 E22/G02 F 100,000.00 ZZ 360 99,818.71 1 6.500 632.07 54 6.250 632.07 WATERFORD MI 48327 5 06/14/02 00 0414223982 05 08/01/02 0 0414223982 O 07/01/32 0 7792357 E85/G02 F 179,000.00 ZZ 360 178,705.70 1 7.000 1,190.89 80 6.750 1,190.89 HAYWARD CA 94545 5 06/07/02 00 0434196549 01 08/01/02 0 6000878 O 07/01/32 0 7795333 A06/G02 F 91,200.00 ZZ 360 91,064.20 1 7.500 637.69 80 7.250 637.69 FERNDALE MI 48220 1 06/14/02 00 0434183828 05 08/01/02 0 021000020210297 N 07/01/32 0 1 7795381 E22/G02 F 61,600.00 ZZ 360 61,505.96 1 7.375 425.46 80 7.125 425.46 SACRAMENTO CA 95815 1 06/07/02 00 0414083261 05 08/01/02 0 0414083261 N 07/01/32 0 7795749 477/G02 F 172,000.00 ZZ 360 171,730.85 1 7.250 1,173.34 80 7.000 1,173.34 ELK GROVE CA 95624 1 06/07/02 00 0434345609 05 08/01/02 0 232268 O 07/01/32 0 7795877 K15/G02 F 155,900.00 ZZ 360 155,656.04 1 7.250 1,063.51 80 7.000 1,063.51 YAPHANK NY 11980 5 06/14/02 00 0434462123 05 08/01/02 0 020805303402 O 07/01/32 0 7796723 F89/G02 F 65,000.00 ZZ 360 64,890.48 1 6.875 427.00 62 6.625 427.00 VICTORVILLE CA 92392 1 06/07/02 00 0434207338 05 08/01/02 0 11721065 O 07/01/32 0 7797889 U05/G02 F 103,950.00 ZZ 360 103,656.49 1 6.875 682.88 80 6.625 682.88 PORTLAND OR 97217 1 06/12/02 00 0434261137 05 08/01/02 0 3238347 N 07/01/32 0 7798805 E22/G02 F 102,000.00 ZZ 360 101,830.69 1 7.000 678.61 83 6.750 678.61 1 OREM UT 84058 2 06/12/02 04 0414180356 01 08/01/02 12 0414180356 O 07/01/32 0 7798875 E22/G02 F 94,000.00 ZZ 360 93,849.21 1 7.125 633.30 78 6.875 633.30 NORTH MIAMI BEA FL 33162 2 06/17/02 00 0414241885 05 08/01/02 0 0414241885 O 07/01/32 0 7798917 E22/G02 F 30,000.00 ZZ 360 29,953.64 1 7.375 207.20 39 7.125 207.20 PONTIAC MI 48340 5 06/17/02 00 0414263558 05 08/01/02 0 0414263558 O 07/01/32 0 7798951 E22/G02 F 91,800.00 ZZ 360 91,635.28 1 6.875 603.06 90 6.625 603.06 HOLLYWOOD FL 33022 1 06/21/02 04 0414287516 05 08/01/02 25 0414287516 O 07/01/32 0 7798997 E22/G02 F 228,000.00 ZZ 360 227,615.80 1 6.875 1,497.80 80 6.625 1,497.80 HOLLYWOOD FL 33020 1 06/21/02 00 0414323964 05 08/01/02 0 0414323964 O 07/01/32 0 7801981 Q73/G02 F 160,000.00 ZZ 360 159,723.71 1 6.750 1,037.76 80 6.500 1,037.76 LAUREL MS 39440 5 06/13/02 00 0434205159 05 08/01/02 0 2938141 O 07/01/32 0 1 7801987 477/G02 F 56,050.00 ZZ 360 55,970.62 1 7.750 401.55 95 7.500 401.55 MORENO VALLEY CA 92553 1 06/12/02 11 0434203840 01 08/01/02 30 232598 O 07/01/32 0 7802039 E22/G02 F 93,500.00 ZZ 360 93,350.01 1 7.125 629.93 90 6.875 629.93 MINERSVILLE PA 17954 2 06/19/02 04 0413961319 05 08/01/02 12 0413961319 O 07/01/32 0 7802079 E22/G02 F 81,000.00 ZZ 360 80,862.07 1 7.000 538.90 90 6.750 538.90 TAFT CA 93268 2 06/17/02 01 0414132068 05 08/01/02 25 0414132068 O 07/01/32 0 7802295 E22/G02 F 70,550.00 ZZ 360 70,444.95 1 7.500 493.30 85 7.250 493.30 SPOKANE WA 99202 2 06/10/02 04 0414266833 05 08/01/02 12 0414266833 O 07/01/32 0 7802313 E22/G02 F 107,500.00 ZZ 360 107,327.55 3 7.125 724.25 70 6.875 724.25 HOLLYWOOD FL 33020 2 06/24/02 00 0414277566 05 08/01/02 0 0414277566 N 07/01/32 0 7802557 E82/G02 F 148,750.00 ZZ 360 148,511.38 3 1 7.125 1,002.16 85 6.875 1,002.16 CHICAGO IL 60629 2 06/14/02 04 0400630786 05 08/01/02 20 0400630786 O 07/01/32 0 7802567 E82/G02 F 94,500.00 ZZ 360 94,340.76 1 6.875 620.80 70 6.625 620.80 NORWICH CT 06360 2 06/20/02 00 0400642245 05 08/01/02 0 2932743 O 07/01/32 0 7803055 E11/G02 F 96,000.00 ZZ 360 95,849.77 1 7.250 654.89 80 7.000 654.89 MINNEAPOLIS MN 55417 1 06/20/02 00 0434219754 05 08/01/02 0 0010001044644 N 07/01/32 0 7803655 W02/G02 F 94,500.00 ZZ 360 94,352.11 1 7.250 644.66 90 7.000 644.66 ORLANDO FL 32809 5 06/14/02 14 0434268421 05 08/01/02 25 1001183150 O 07/01/32 0 7805755 964/G02 F 99,750.00 ZZ 360 99,585.99 1 7.000 663.64 80 6.750 663.64 TACOMA WA 98445 1 06/18/02 00 0434232195 03 08/01/02 0 209000 O 07/01/32 0 7805835 964/G02 F 300,000.00 ZZ 360 299,442.80 1 6.375 1,871.61 40 6.125 1,871.61 PARKER CO 80138 5 06/21/02 00 0434244414 05 08/01/02 0 1 216687 O 07/01/32 0 7805921 964/G02 F 95,400.00 ZZ 360 95,250.71 1 7.250 650.80 90 7.000 650.80 SURPRISE AZ 85374 1 06/11/02 02 0434245171 03 08/01/02 25 219583 N 07/01/32 0 7806949 E45/G02 F 100,000.00 ZZ 360 99,764.55 1 7.250 682.18 63 7.000 682.18 CONYERS GA 30013 5 05/31/02 00 0434211306 05 07/01/02 0 246002 O 06/01/32 0 7809143 L76/G02 F 255,000.00 ZZ 360 254,240.13 1 6.500 1,611.77 67 6.250 1,611.77 ARDEN HILLS MN 55112 1 06/21/02 00 0434228888 05 08/01/02 0 990988 O 07/01/32 0 7809185 A46/G02 F 103,500.00 ZZ 360 103,333.97 1 7.125 697.30 87 6.875 697.30 ALBUQUERQUE NM 87110 1 06/21/02 04 0434219960 05 08/01/02 25 0983022 N 07/01/32 0 7809567 E22/G02 F 93,500.00 ZZ 360 93,281.22 1 6.750 606.44 67 6.500 606.44 WINCHESTER VA 22602 2 06/21/02 00 0414232199 05 08/01/02 0 0414232199 O 07/01/32 0 1 7809603 E22/G02 F 112,000.00 ZZ 360 111,815.85 1 7.000 745.14 95 6.750 745.14 CHARLESTON SC 29406 5 06/21/02 10 0414258822 05 08/01/02 30 0414258822 O 07/01/32 0 7812221 286/286 F 148,500.00 ZZ 360 148,206.60 4 8.125 1,102.61 90 7.875 1,102.61 CHICAGO IL 60623 1 05/21/02 11 794701 05 07/01/02 25 794701 N 06/01/32 0 7812223 286/286 F 97,000.00 ZZ 360 96,782.68 3 7.500 678.24 65 7.250 678.24 HOLLYWOOD FL 33023 2 05/30/02 00 1304748 05 07/01/02 0 1304748 N 06/01/32 0 7812263 286/286 F 104,186.00 ZZ 360 103,952.56 1 7.500 728.49 68 7.250 728.49 DALLAS TX 75243 5 05/16/02 00 1307256 05 07/01/02 0 1307256 N 06/01/32 0 7812285 286/286 F 87,030.00 ZZ 360 86,839.74 4 8.125 646.20 90 7.875 646.20 ST LOUIS MO 63111 1 05/21/02 11 1289397 05 07/01/02 25 1289397 N 06/01/32 0 7812293 286/286 F 97,200.00 ZZ 360 96,360.88 3 7.375 671.34 90 7.125 671.34 1 WATERVILLE ME 04901 1 05/28/02 12 1270412 05 07/01/02 25 1270412 O 06/01/32 0 7812311 286/286 F 43,200.00 ZZ 360 43,110.22 1 7.875 313.23 57 7.625 313.23 HUBER HEIGHTS OH 45424 2 05/29/02 00 1305714 05 07/01/02 0 1305714 N 06/01/32 0 7812329 286/286 F 80,000.00 ZZ 360 79,808.12 1 8.000 587.02 80 7.750 587.02 SATELLITE BEACH FL 32937 1 06/03/02 00 1330832 05 07/01/02 0 1330832 N 06/01/32 0 7812351 286/286 F 103,500.00 ZZ 360 103,290.26 4 8.000 759.45 90 7.750 759.45 WASHINGTON DC 20032 1 05/29/02 12 1302520 05 07/01/02 25 1302520 N 06/01/32 0 7812365 286/286 F 100,000.00 ZZ 360 99,775.95 1 7.500 699.22 70 7.250 699.22 PORTLAND OR 97206 5 05/08/02 00 1267208 05 07/01/02 0 1267208 N 06/01/32 0 7812367 286/286 F 100,000.00 ZZ 360 99,775.95 1 7.500 699.22 70 7.250 699.22 PORTLAND OR 97266 5 05/08/02 00 1267220 05 07/01/02 0 1267220 N 06/01/32 0 1 7812369 286/286 F 100,000.00 ZZ 360 99,775.95 1 7.500 699.22 69 7.250 699.22 PORTLAND OR 97214 5 05/08/02 00 1267222 05 07/01/02 0 1267222 N 06/01/32 0 7812371 286/286 F 296,550.00 ZZ 360 295,901.97 1 7.625 2,098.97 90 7.375 2,098.97 LAS VEGAS NV 89119 1 05/21/02 12 1294596 05 07/01/02 25 1294596 O 06/01/32 0 7812379 286/286 F 94,799.00 ZZ 360 94,596.95 2 7.750 679.16 80 7.500 679.16 ROCKFORD IL 61108 1 05/24/02 00 1274826 05 07/01/02 0 1274826 O 06/01/32 0 7812391 286/286 F 104,264.00 ZZ 360 103,935.68 1 7.250 711.27 74 7.000 711.27 CHATTANOOGA TN 37405 5 05/01/02 00 1273977 05 06/01/02 0 1273977 N 05/01/32 0 7812393 286/286 F 104,850.00 ZZ 360 104,609.19 1 7.375 724.17 88 7.125 724.17 GOODYEAR AZ 85338 2 05/28/02 12 1297467 03 07/01/02 25 1297467 N 06/01/32 0 7812397 286/286 F 252,000.00 ZZ 360 251,435.39 1 1 7.500 1,762.03 80 7.250 1,762.03 SAN DIEGO CA 92126 1 05/16/02 00 1278365 05 07/01/02 0 1278365 O 06/01/32 0 7812407 286/286 F 243,000.00 ZZ 360 242,233.95 4 8.125 1,804.27 90 7.875 1,804.27 CORAL SPRINGS FL 33065 1 04/22/02 11 1100225 05 06/01/02 25 1100225 N 05/01/32 0 7812411 286/286 F 103,500.00 ZZ 360 103,239.94 4 8.375 786.68 90 8.125 786.68 CLEVELAND OH 44110 1 04/19/02 12 1022404 05 06/01/02 25 1022404 N 05/01/32 0 7812441 286/286 F 95,040.00 ZZ 360 94,804.91 1 7.000 632.31 80 6.750 632.31 HOOD RIVER OR 97031 1 05/28/02 00 1307499 01 07/01/02 0 1307499 O 06/01/32 0 7812451 286/286 F 44,100.00 ZZ 360 44,010.60 1 8.000 323.60 75 7.750 323.60 ST LOUIS MO 63134 2 05/22/02 00 1305130 05 07/01/02 0 1305130 N 06/01/32 0 7812459 286/286 F 90,000.00 ZZ 360 89,869.31 4 7.625 637.02 90 7.375 637.02 TUCSON AZ 85713 1 06/03/02 12 1276827 05 08/01/02 25 1 1276827 N 07/01/32 0 7812521 286/286 F 88,200.00 ZZ 360 87,948.55 4 7.750 631.88 90 7.500 631.88 PHOENIX AZ 85007 1 04/17/02 12 1259675 05 06/01/02 25 1259675 N 05/01/32 0 7812531 286/286 F 92,150.00 ZZ 360 91,958.47 1 7.875 668.16 95 7.625 668.16 BROCKPORT NY 14420 2 05/23/02 14 1295596 05 07/01/02 30 1295596 O 06/01/32 0 7812541 286/286 F 94,500.00 ZZ 360 94,313.29 4 8.125 701.66 90 7.875 701.66 TRENTON NJ 08650 1 05/17/02 04 1048363 05 07/01/02 25 1048363 N 06/01/32 0 7812571 286/286 F 96,000.00 ZZ 360 95,779.50 1 7.375 663.05 78 7.125 663.05 WENATCHEE WA 98801 5 05/14/02 00 1289018 05 07/01/02 0 1289018 O 06/01/32 0 7812583 286/286 F 199,790.00 ZZ 360 199,353.37 1 7.625 1,414.11 90 7.375 1,414.11 SHIRLEY NY 11967 1 05/15/02 10 9487659 05 07/01/02 25 9487659 O 06/01/32 0 1 7812585 286/286 F 100,000.00 ZZ 360 99,764.55 1 7.250 682.18 73 7.000 682.18 GLENDALE AZ 85302 5 05/17/02 00 1301121 05 07/01/02 0 1301121 O 06/01/32 0 7812603 286/286 F 92,000.00 ZZ 360 91,783.36 1 7.250 627.61 80 7.000 627.61 DULUTH MN 55812 5 05/17/02 00 1265433 05 07/01/02 0 1265433 O 06/01/32 0 7812611 286/286 F 39,100.00 ZZ 360 39,010.18 1 7.375 270.06 80 7.125 270.06 DAYTON OH 45403 1 05/30/02 00 1296417 05 07/01/02 0 1296417 N 06/01/32 0 7812633 286/286 F 244,550.00 ZZ 360 244,002.11 1 7.500 1,709.93 80 7.250 1,709.93 MECHANICSVILLE MD 20659 1 05/31/02 00 1318466 05 07/01/02 0 1318466 O 06/01/32 0 7812639 286/286 F 211,500.00 ZZ 360 191,774.34 1 6.875 1,389.41 80 6.625 1,389.41 GREENVILLE SC 29609 1 05/31/02 00 1309526 03 07/01/02 0 1309526 O 06/01/32 0 7812673 286/286 F 113,950.00 ZZ 360 113,629.23 1 7.125 767.71 80 6.875 767.71 1 CASA GRANDE AZ 85222 1 05/28/02 00 1303114 03 07/01/02 0 1303114 N 06/01/32 0 7812677 286/286 F 89,900.00 ZZ 360 89,680.21 1 7.250 613.28 60 7.000 613.28 WOLCOTT CT 06716 1 05/14/02 00 1277034 05 07/01/02 0 1277034 N 06/01/32 0 7812717 286/286 F 33,800.00 ZZ 360 33,327.47 1 8.000 248.02 90 7.750 248.02 DAYTON OH 45410 1 05/15/02 10 1288877 05 07/01/02 25 1288877 N 06/01/32 0 7812725 286/286 F 96,000.00 ZZ 360 95,656.79 2 7.750 687.76 80 7.500 687.76 WEST PALM BCH FL 33406 1 03/22/02 00 1030164 05 05/01/02 0 1030164 N 04/01/32 0 7812735 286/286 F 76,000.00 ZZ 360 75,766.51 1 7.375 524.92 80 7.125 524.92 PHOENIX AZ 85033 5 05/01/02 00 1282796 05 06/01/02 0 1282796 N 05/01/32 0 7812737 286/286 F 77,606.00 ZZ 360 77,448.73 4 8.000 569.45 90 7.750 569.45 ALLENTOWN PA 18102 1 05/31/02 21 1270994 05 07/01/02 25 1270994 N 06/01/32 0 1 7812779 286/286 F 89,600.00 ZZ 360 89,476.26 1 7.875 649.67 80 7.625 649.67 CHANTILLY VA 20151 1 06/03/02 00 1335245 01 08/01/02 0 1335245 N 07/01/32 0 7812799 286/286 F 80,000.00 ZZ 360 79,811.62 1 7.250 545.75 80 7.000 545.75 RESTON VA 20191 1 05/29/02 00 1324572 01 07/01/02 0 1324572 N 06/01/32 0 7812815 286/286 F 92,625.00 ZZ 360 92,500.29 4 8.000 679.65 95 7.750 679.65 ALBUQUERQUE NM 87108 1 06/10/02 12 1342549 05 08/01/02 30 1342549 O 07/01/32 0 7812839 286/286 F 108,000.00 ZZ 360 107,642.63 1 7.750 773.73 80 7.500 773.73 POMPANO BEACH FL 33064 1 05/17/02 00 1309007 05 07/01/02 0 1309007 N 06/01/32 0 7812847 286/286 F 180,000.00 ZZ 360 179,644.38 1 8.125 1,336.49 90 7.875 1,336.49 MORENO VALLEY CA 92551 5 05/13/02 14 788108 09 07/01/02 25 788108 O 06/01/32 0 7812875 286/286 F 113,600.00 ZZ 360 113,324.63 1 1 7.250 774.95 80 7.000 774.95 SUN VALLEY NV 89433 1 05/24/02 00 817104 03 07/01/02 0 817104 N 06/01/32 0 7812881 286/286 F 143,100.00 ZZ 360 142,810.02 4 8.000 1,050.02 90 7.750 1,050.02 SAN BERNARDINO CA 92405 1 05/21/02 11 798484 05 07/01/02 25 798484 O 06/01/32 0 7812883 286/286 F 124,200.00 ZZ 360 123,948.31 4 8.000 911.34 90 7.750 911.34 SAN BERNARDINO CA 92404 1 05/24/02 10 798474 05 07/01/02 25 798474 N 06/01/32 0 7812887 286/286 F 131,300.00 ZZ 360 131,033.94 4 8.000 963.43 90 7.750 963.43 SAN BERNARDINO CA 92405 1 05/30/02 10 798491 05 07/01/02 25 798491 N 06/01/32 0 7812891 286/286 F 112,000.00 ZZ 360 111,715.01 1 7.500 783.12 68 7.250 783.12 RANCHO CUCAMONG CA 91730 5 05/08/02 00 786847 03 07/01/02 0 786847 N 06/01/32 0 7812895 286/286 F 96,000.00 ZZ 360 95,488.32 1 7.625 679.48 75 7.375 679.48 STOCKTON CA 95205 5 05/14/02 00 792483 05 07/01/02 0 1 792483 O 06/01/32 0 7812905 286/286 F 80,000.00 ZZ 360 79,811.65 4 7.250 545.74 80 7.000 545.74 BIGGS CA 95917 5 05/20/02 00 788912 05 07/01/02 0 788912 N 06/01/32 0 7812937 286/286 F 217,800.00 ZZ 360 217,335.83 4 7.750 1,560.35 89 7.500 1,560.35 HUNTINGTON PARK CA 90255 1 05/01/02 10 792879 05 07/01/02 25 792879 N 06/01/32 0 7812943 286/286 F 126,450.00 ZZ 360 125,976.82 1 7.500 884.16 88 7.250 884.16 YUCAIPA CA 92399 1 05/16/02 10 819049 05 07/01/02 25 819049 O 06/01/32 0 7814001 E22/G02 F 119,600.00 ZZ 360 119,426.33 1 7.625 846.52 90 7.375 846.52 PALATINE IL 60074 1 06/27/02 04 0414327023 01 08/01/02 25 0414327023 N 07/01/32 0 7814309 E82/G02 F 94,900.00 ZZ 360 94,265.00 1 6.750 615.52 40 6.500 615.52 PAROWAN UT 84761 2 06/21/02 00 0400641767 05 08/01/02 0 4734963 O 07/01/32 0 1 7814327 E82/G02 F 96,800.00 ZZ 360 92,887.83 1 6.750 627.84 48 6.500 627.84 HASTINGS MN 55033 2 06/24/02 00 0400640629 05 08/01/02 0 1946253 O 07/01/32 0 7814417 E82/G02 F 94,000.00 ZZ 360 93,833.68 1 6.625 601.89 60 6.375 601.89 MERRIAM KS 66202 2 06/24/02 00 0400633475 05 08/01/02 0 0400633475 O 07/01/32 0 7814663 286/286 F 99,000.00 ZZ 360 98,789.01 1 7.750 709.25 80 7.500 709.25 NEW BRUNSWICK NJ 08901 2 05/22/02 00 560978 05 07/01/02 0 560978 N 06/01/32 0 7814665 286/286 F 74,000.00 ZZ 360 73,825.76 1 7.250 504.81 71 7.000 504.81 MESA AZ 85206 2 05/29/02 00 1332901 03 07/01/02 0 1332901 N 06/01/32 0 7814667 286/286 F 98,050.00 ZZ 360 97,824.79 1 7.375 677.21 60 7.125 677.21 BEND OR 97701 5 05/03/02 00 1260171 05 07/01/02 0 1260171 N 06/01/32 0 7814669 286/286 F 118,000.00 ZZ 360 117,728.97 1 7.375 815.00 43 7.125 815.00 1 TUCSON AZ 85749 1 05/23/02 00 1314848 03 07/01/02 0 1314848 N 06/01/32 0 7814683 286/286 F 117,000.00 ZZ 360 116,737.88 1 7.500 818.08 90 7.250 818.08 TUCSON AZ 85712 1 05/30/02 12 1326242 05 07/01/02 25 1326242 N 06/01/32 0 7814685 286/286 F 19,200.00 ZZ 360 19,143.81 1 8.000 140.89 80 7.750 140.89 GARY IN 46407 5 05/30/02 00 1310406 05 07/01/02 0 1310406 N 06/01/32 0 7814687 286/286 F 128,300.00 ZZ 360 128,019.65 1 7.625 908.10 78 7.375 908.10 MESA AZ 85207 1 05/24/02 00 837257 03 07/01/02 0 837257 N 06/01/32 0 7814689 286/286 F 110,500.00 ZZ 360 110,264.51 4 7.750 791.64 74 7.500 791.64 FALL RIVER MA 02720 2 05/17/02 00 1279301 05 07/01/02 0 1279301 N 06/01/32 0 7814693 286/286 F 137,500.00 ZZ 360 137,191.93 1 7.500 961.43 74 7.250 961.43 ROCKVILLE MD 20852 2 05/24/02 00 1281356 01 07/01/02 0 1281356 N 06/01/32 0 1 7814697 286/286 F 95,000.00 ZZ 360 94,781.77 1 7.375 656.15 75 7.125 656.15 MESA AZ 85204 2 05/24/02 00 1313529 05 07/01/02 0 1313529 N 06/01/32 0 7814701 286/286 F 105,000.00 ZZ 360 104,758.83 1 7.375 725.21 71 7.125 725.21 HANOVER PARK IL 60103 5 05/29/02 00 1306619 05 07/01/02 0 1306619 N 06/01/32 0 7814717 286/286 F 108,500.00 ZZ 360 108,238.14 2 7.125 730.99 70 6.875 730.99 MARIETTA GA 30008 5 05/28/02 00 1317152 05 07/01/02 0 1317152 N 06/01/32 0 7814719 286/286 F 108,500.00 ZZ 360 108,238.14 2 7.125 730.99 70 6.875 730.99 MARIETTA GA 30064 2 05/28/02 00 1317259 05 07/01/02 0 1317259 N 06/01/32 0 7814721 286/286 F 109,200.00 ZZ 360 108,942.89 2 7.250 744.94 70 7.000 744.94 MARIETTA GA 30064 5 05/28/02 00 1279012 05 07/01/02 0 1279012 N 06/01/32 0 7814723 286/286 F 108,500.00 ZZ 360 108,238.14 2 1 7.125 730.99 70 6.875 730.99 MARIETTA GA 30008 5 05/28/02 00 1317949 05 07/01/02 0 1317949 N 06/01/32 0 7814733 286/286 F 94,500.00 ZZ 360 94,313.29 4 8.125 701.66 70 7.875 701.66 ST LOUIS MO 63110 5 06/04/02 00 1263881 05 07/01/02 0 1263881 N 06/01/32 0 7814735 286/286 F 95,900.00 ZZ 360 95,710.51 1 8.125 712.06 70 7.875 712.06 ST LOUIS MO 63110 5 06/04/02 00 1263641 05 07/01/02 0 1263641 N 06/01/32 0 7814741 286/286 F 89,250.00 ZZ 360 89,045.01 1 7.375 616.43 85 7.125 616.43 FOREST PARK GA 30297 5 05/30/02 10 1315053 05 07/01/02 12 1315053 N 06/01/32 0 7814745 286/286 F 70,500.00 ZZ 360 70,397.61 1 7.625 499.00 57 7.375 499.00 MENTOR ON THE L OH 44060 5 06/06/02 00 1277788 05 08/01/02 0 1277788 N 07/01/32 0 7814759 286/286 F 113,400.00 ZZ 360 113,076.70 3 7.750 812.42 70 7.500 812.42 NEW BEDFORD MA 02746 5 04/22/02 00 951727 05 06/01/02 0 1 951727 N 05/01/32 0 7814761 286/286 F 135,800.00 ZZ 360 135,510.59 1 7.750 972.89 90 7.500 972.89 WESTON FL 33332 1 05/29/02 21 1323227 03 07/01/02 25 1323227 N 06/01/32 0 7814763 286/286 F 95,000.00 ZZ 360 94,854.96 1 7.375 656.15 74 7.125 656.15 LAKEWOOD NJ 08701 5 06/06/02 00 1049488 05 08/01/02 0 1049488 N 07/01/32 0 7814765 286/286 F 105,000.00 ZZ 360 104,839.71 1 7.375 725.21 70 7.125 725.21 LAKEWOOD NJ 08701 5 06/06/02 00 1048175 05 08/01/02 0 1048175 N 07/01/32 0 7814767 286/286 F 102,500.00 ZZ 360 102,121.63 1 7.125 690.57 78 6.875 690.57 PORTLAND OR 97203 1 05/16/02 00 1275544 05 07/01/02 0 1275544 N 06/01/32 0 7814771 286/286 F 116,250.00 ZZ 360 115,989.54 1 7.500 812.84 75 7.250 812.84 VANCOUVER WA 98682 5 05/29/02 00 1312335 05 07/01/02 0 1312335 N 06/01/32 0 1 7814773 286/286 F 89,600.00 ZZ 360 89,456.25 2 7.125 603.66 80 6.875 603.66 NORTH PROVIDENC RI 02904 1 06/07/02 00 1298497 05 08/01/02 0 1298497 N 07/01/32 0 7814805 286/286 F 107,900.00 ZZ 360 107,658.27 1 7.500 754.45 85 7.250 754.45 MESA AZ 85206 1 05/30/02 10 1330256 05 07/01/02 12 1330256 N 06/01/32 0 7814829 286/286 F 110,250.00 ZZ 360 109,969.64 1 7.875 799.39 75 7.625 799.39 FERNDALE MI 48220 1 05/24/02 00 1312190 05 07/01/02 0 1312190 N 06/01/32 0 7814831 286/286 F 125,000.00 ZZ 360 124,505.18 2 7.375 863.35 67 7.125 863.35 BURLINGTON VT 05401 5 05/03/02 00 1098213 05 06/01/02 0 1098213 N 05/01/32 0 7814847 286/286 F 110,250.00 ZZ 360 110,026.58 1 8.000 808.98 90 7.750 808.98 INDIANAPOLIS IN 46256 1 05/24/02 12 1303668 05 07/01/02 25 1303668 N 06/01/32 0 7814849 286/286 F 111,150.00 ZZ 360 110,894.70 1 7.375 767.69 90 7.125 767.69 1 POWELL OH 43065 1 05/24/02 10 1280823 05 07/01/02 25 1280823 N 06/01/32 0 7814857 286/286 F 140,000.00 ZZ 360 139,701.65 2 7.750 1,002.98 77 7.500 1,002.98 HIGHLANDS NJ 07732 5 05/31/02 00 1270989 05 07/01/02 0 1270989 N 06/01/32 0 7814863 286/286 F 110,000.00 ZZ 360 109,740.31 1 7.250 750.40 62 7.000 750.40 RANCHO CUCAMONG CA 91730 5 05/28/02 00 104884 05 07/01/02 0 104884 N 06/01/32 0 7814889 286/286 F 102,000.00 ZZ 360 101,788.00 1 7.875 739.58 85 7.625 739.58 INDIANAPOLIS IN 46201 1 05/28/02 12 1312670 05 07/01/02 12 1312670 N 06/01/32 0 7814897 286/286 F 123,750.00 ZZ 360 121,918.11 1 7.125 833.73 73 6.875 833.73 HILTON HEAD ISL SC 29928 5 05/30/02 00 1298806 01 07/01/02 0 1298806 N 06/01/32 0 7814907 286/286 F 138,375.00 ZZ 360 138,049.18 1 7.250 943.97 90 7.000 943.97 PEACHTREE CITY GA 30269 1 05/24/02 11 1291142 05 07/01/02 25 1291142 N 06/01/32 0 1 7814915 286/286 F 105,000.00 ZZ 360 104,677.45 1 7.375 725.21 68 7.125 725.21 PORTLAND OR 97203 2 03/29/02 00 1082305 05 06/01/02 0 1082305 N 05/01/32 0 7814927 286/286 F 101,000.00 ZZ 360 100,641.85 1 7.250 689.00 66 7.000 689.00 HEWITT NJ 07421 5 05/03/02 00 1268883 05 06/01/02 0 1268883 N 05/01/32 0 7814933 286/286 F 71,550.00 ZZ 360 71,401.30 1 7.875 518.79 90 7.625 518.79 FOREST PARK GA 30297 1 05/14/02 12 1299615 05 07/01/02 25 1299615 N 06/01/32 0 7814953 286/286 F 106,250.00 ZZ 360 103,734.89 2 7.875 770.39 78 7.625 770.39 AMARILLO TX 79106 5 04/18/02 00 1313067 05 06/01/02 0 1313067 N 05/01/32 0 7814963 286/286 F 115,200.00 ZZ 360 114,960.60 1 7.875 835.28 80 7.625 835.28 CANTON OH 44718 5 05/30/02 00 1094710 05 07/01/02 0 1094710 N 06/01/32 0 7814975 286/286 F 128,700.00 ZZ 360 128,425.71 1 1 7.750 922.03 90 7.500 922.03 VIRGINIA BEACH VA 23456 1 05/17/02 12 1279221 05 07/01/02 25 1279221 N 06/01/32 0 7814989 286/286 F 124,200.00 ZZ 360 123,626.45 1 7.250 847.26 90 7.000 847.26 PHOENIX AZ 85037 1 05/28/02 10 1312336 03 07/01/02 25 1312336 N 06/01/32 0 7814991 286/286 F 103,500.00 ZZ 360 103,268.11 1 7.500 723.69 90 7.250 723.69 FT LAUDERDALE FL 33311 1 05/17/02 12 1301294 05 07/01/02 25 1301294 N 06/01/32 0 7814999 286/286 F 195,300.00 ZZ 360 194,883.78 2 7.750 1,399.16 90 7.500 1,399.16 CHICAGO IL 60612 1 05/24/02 10 1101068 05 07/01/02 25 1101068 N 06/01/32 0 7815003 286/286 F 68,000.00 ZZ 360 67,857.67 1 7.875 493.05 80 7.625 493.05 JOLIET IL 60436 1 05/29/02 00 1018361 05 07/01/02 0 1018361 N 06/01/32 0 7815015 286/286 F 95,400.00 ZZ 360 95,230.50 2 7.750 683.46 90 7.500 683.46 IRVINGTON NJ 07111 1 06/07/02 12 1329847 05 08/01/02 25 1 1329847 N 07/01/32 0 7815021 286/286 F 105,200.00 ZZ 360 104,946.10 1 7.125 708.76 90 6.875 708.76 GEORGETOWN TX 78626 1 05/30/02 11 1290151 03 07/01/02 25 1290151 N 06/01/32 0 7815031 286/286 F 77,000.00 ZZ 360 76,796.39 1 7.375 531.82 62 7.125 531.82 KENNETT SQUARE PA 19348 5 05/23/02 00 1275679 05 07/01/02 0 1275679 N 06/01/32 0 7815035 286/286 F 127,000.00 ZZ 360 126,708.30 1 7.375 877.16 69 7.125 877.16 JEFFERSON NJ 07438 5 05/08/02 00 1284474 05 07/01/02 0 1284474 N 06/01/32 0 7815039 286/286 F 107,600.00 ZZ 360 105,834.51 2 7.250 734.03 80 7.000 734.03 LEES SUMMIT MO 64082 2 06/05/02 00 1317145 05 07/01/02 0 1317145 N 06/01/32 0 7815041 286/286 F 103,200.00 ZZ 360 102,957.00 1 7.250 704.01 80 7.000 704.01 LEES SUMMIT MO 64082 2 06/05/02 00 1317142 05 07/01/02 0 1317142 N 06/01/32 0 1 7815053 286/286 F 108,000.00 ZZ 360 107,835.13 1 7.375 745.93 80 7.125 745.93 TUCSON AZ 85719 2 06/06/02 00 1313396 05 08/01/02 0 1313396 N 07/01/32 0 7815075 286/286 F 100,400.00 ZZ 360 100,163.59 1 7.250 684.91 75 7.000 684.91 DECATUR GA 30030 5 05/29/02 00 1277443 05 07/01/02 0 1277443 N 06/01/32 0 7815077 286/286 F 112,500.00 ZZ 360 112,332.49 1 7.500 786.62 90 7.250 786.62 WASHINGTON DC 20036 1 06/06/02 12 1329419 01 08/01/02 25 1329419 N 07/01/32 0 7815105 286/286 F 94,950.00 ZZ 360 94,737.26 1 7.500 663.91 66 7.250 663.91 FREEHOLD NJ 07728 1 05/31/02 00 1300349 05 07/01/02 0 1300349 N 06/01/32 0 7815111 286/286 F 230,664.00 ZZ 360 230,196.59 2 8.000 1,692.53 80 7.750 1,692.53 SAN MARCOS TX 78666 1 05/31/02 00 1307290 05 07/01/02 0 1307290 N 06/01/32 0 7815117 286/286 F 114,000.00 ZZ 360 113,731.56 4 7.250 777.69 80 7.000 777.69 1 MIAMI FL 33130 1 05/30/02 00 1271775 05 07/01/02 0 1271775 N 06/01/32 0 7815141 286/286 F 100,000.00 ZZ 360 99,451.10 1 7.500 699.22 80 7.250 699.22 HAMILTON NJ 08610 1 06/05/02 00 1292886 03 08/01/02 0 1292886 N 07/01/32 0 7815143 286/286 F 102,800.00 ZZ 360 102,569.69 2 7.500 718.79 85 7.250 718.79 MILWAUKEE WI 53215 2 05/30/02 11 1270392 05 07/01/02 12 1270392 N 06/01/32 0 7815159 286/286 F 98,000.00 ZZ 360 97,774.88 1 7.375 676.87 73 7.125 676.87 ATLANTA GA 30305 2 05/16/02 00 1100779 01 07/01/02 0 1100779 N 06/01/32 0 7815177 286/286 F 112,500.00 ZZ 360 111,651.02 1 7.250 767.45 90 7.000 767.45 FISHERS IN 46038 1 05/15/02 12 1281656 05 07/01/02 25 1281656 N 06/01/32 0 7815187 286/286 F 80,000.00 ZZ 360 79,880.89 1 7.500 559.37 64 7.250 559.37 GREENWOOD IN 46143 1 06/03/02 00 1302982 05 08/01/02 0 1302982 N 07/01/32 0 1 7815191 286/286 F 119,250.00 ZZ 360 118,971.31 1 7.750 854.33 90 7.500 854.33 CHICAGO IL 60611 1 05/28/02 12 1288419 01 07/01/02 25 1288419 N 06/01/32 0 7815199 286/286 F 125,000.00 ZZ 360 124,677.53 1 7.500 874.02 67 7.250 874.02 CLERMONT FL 34711 5 05/14/02 00 1097117 05 07/01/02 0 1097117 N 06/01/32 0 7815201 286/286 F 112,500.00 ZZ 360 112,272.02 1 8.000 825.49 90 7.750 825.49 PHOENIX AZ 85018 1 05/30/02 12 1312237 05 07/01/02 25 1312237 N 06/01/32 0 7815205 286/286 F 32,000.00 ZZ 360 31,938.35 2 8.250 240.41 80 8.000 240.41 SPRINGFIELD OH 45506 5 05/21/02 00 1275986 05 07/01/02 0 1275986 N 06/01/32 0 7815215 286/286 F 88,000.00 ZZ 360 87,797.86 1 7.375 607.80 80 7.125 607.80 INDIANAPOLIS IN 46254 5 05/15/02 00 1087548 05 07/01/02 0 1087548 N 06/01/32 0 7815217 286/286 F 110,500.00 ZZ 360 110,246.19 1 1 7.375 763.20 85 7.125 763.20 NOBLESVILLE IN 46036 1 05/20/02 12 1293243 05 07/01/02 12 1293243 N 06/01/32 0 7815227 286/286 F 132,200.00 ZZ 360 131,605.75 1 7.375 913.08 80 7.125 913.08 INDIANAPOLIS IN 46220 2 06/04/02 00 1300149 05 07/01/02 0 1300149 N 06/01/32 0 7815229 286/286 F 120,000.00 ZZ 360 119,756.82 1 8.000 880.52 80 7.750 880.52 TAMPA FL 33624 5 05/29/02 00 1326648 05 07/01/02 0 1326648 N 06/01/32 0 7815231 286/286 F 97,600.00 ZZ 360 97,402.21 1 8.000 716.16 80 7.750 716.16 TAMPA FL 33611 5 05/29/02 00 1322905 05 07/01/02 0 1322905 N 06/01/32 0 7815233 286/286 F 120,000.00 ZZ 360 119,756.82 1 8.000 880.52 80 7.750 880.52 TAMPA FL 33624 5 05/29/02 00 1326627 05 07/01/02 0 1326627 N 06/01/32 0 7815243 286/286 F 118,000.00 ZZ 360 117,815.34 1 7.250 804.97 52 7.000 804.97 TRABUCO CANYON CA 92679 1 06/05/02 00 1279187 01 08/01/02 0 1 1279187 N 07/01/32 0 7815255 286/286 F 97,000.00 ZZ 360 96,844.40 1 7.125 653.51 75 6.875 653.51 DECATUR GA 30032 5 06/05/02 00 1332312 05 08/01/02 0 1332312 N 07/01/32 0 7815269 286/286 F 43,000.00 ZZ 360 42,912.86 1 8.000 315.52 86 7.750 315.52 PHOENIX AZ 85009 1 05/28/02 21 817120 05 07/01/02 25 817120 N 06/01/32 0 7815277 286/286 F 135,000.00 ZZ 360 134,726.42 1 8.000 990.59 75 7.750 990.59 ATLANTA GA 30314 1 05/31/02 00 1324537 05 07/01/02 0 1324537 N 06/01/32 0 7815279 286/286 F 130,500.00 ZZ 360 130,221.89 1 7.750 934.92 90 7.500 934.92 TUCSON AZ 85710 1 05/28/02 12 1284684 05 07/01/02 25 1284684 N 06/01/32 0 7815295 286/286 F 72,500.00 ZZ 360 72,325.02 1 7.125 488.45 54 6.875 488.45 WESTLAND MI 48186 5 05/29/02 00 1280241 05 07/01/02 0 1280241 N 06/01/32 0 1 7815297 286/286 F 119,900.00 ZZ 360 119,629.03 1 7.500 838.36 75 7.250 838.36 CHESTER MD 21619 1 05/31/02 00 1287151 01 07/01/02 0 1287151 N 06/01/32 0 7815313 286/286 F 121,500.00 ZZ 360 121,206.78 2 7.125 818.57 90 6.875 818.57 SHAKER HEIGHTS OH 44120 1 05/30/02 12 1302946 05 07/01/02 25 1302946 N 06/01/32 0 7815315 286/286 F 80,000.00 ZZ 360 78,137.14 1 7.500 559.37 58 7.250 559.37 STOCKTON CA 95204 5 05/21/02 00 796939 05 07/01/02 0 796939 N 06/01/32 0 7815321 286/286 F 129,700.00 ZZ 360 129,387.00 1 7.125 873.81 53 6.875 873.81 GROVELAND CA 95321 1 05/16/02 00 790691 03 07/01/02 0 790691 N 06/01/32 0 7815343 286/286 F 49,500.00 ZZ 360 49,399.65 1 8.000 363.21 90 7.750 363.21 BALTIMORE MD 21215 1 05/22/02 21 815554 05 07/01/02 25 815554 N 06/01/32 0 7815349 286/286 F 43,400.00 ZZ 360 43,177.15 1 8.000 318.45 70 7.750 318.45 1 SUSANVILLE CA 96130 5 05/15/02 00 794625 05 07/01/02 0 794625 N 06/01/32 0 7815351 286/286 F 73,500.00 ZZ 360 73,351.05 1 8.000 539.32 70 7.750 539.32 SUSANVILLE CA 96130 5 05/15/02 00 794658 05 07/01/02 0 794658 N 06/01/32 0 7815353 286/286 F 70,000.00 ZZ 360 69,858.14 1 8.000 513.64 70 7.750 513.64 SUSANVILLE CA 96130 5 05/15/02 00 794841 05 07/01/02 0 794841 N 06/01/32 0 7815367 286/286 F 118,700.00 ZZ 360 117,717.08 2 7.500 829.97 78 7.250 829.97 ESTACADA OR 97023 1 05/09/02 00 821598 05 07/01/02 0 821598 N 06/01/32 0 7815375 286/286 F 125,000.00 ZZ 360 124,616.03 1 7.375 863.34 80 7.125 863.34 FORT BRAGG CA 95437 5 04/11/02 00 779148 05 06/01/02 0 779148 N 05/01/32 0 7815377 286/286 F 73,300.00 ZZ 360 73,127.40 1 7.250 500.04 90 7.000 500.04 BALTIMORE MD 21206 1 05/28/02 10 815511 05 07/01/02 25 815511 N 06/01/32 0 1 7815387 286/286 F 100,000.00 ZZ 360 99,633.51 2 7.625 707.79 77 7.375 707.79 RIVERSIDE CA 92503 1 03/28/02 00 754333 05 05/01/02 0 754333 N 04/01/32 0 7815389 286/286 F 162,000.00 ZZ 360 161,637.05 1 7.500 1,132.73 90 7.250 1,132.73 CLINTON MD 20735 1 05/29/02 14 814475 05 07/01/02 25 814475 N 06/01/32 0 7815395 286/286 F 125,650.00 ZZ 360 125,382.24 1 7.750 900.17 70 7.500 900.17 ANTIOCH CA 94509 5 05/15/02 00 791251 05 07/01/02 0 791251 N 06/01/32 0 7815399 286/286 F 138,000.00 ZZ 360 137,698.44 1 7.625 976.76 80 7.375 976.76 SACRAMENTO CA 95815 5 05/29/02 00 814259 05 07/01/02 0 814259 N 06/01/32 0 7815403 286/286 F 105,000.00 ZZ 360 104,770.57 1 7.625 743.18 64 7.375 743.18 MODESTO CA 95350 5 05/16/02 00 778195 05 07/01/02 0 778195 N 06/01/32 0 7815405 286/286 F 66,000.00 ZZ 360 65,859.36 1 1 7.750 472.83 80 7.500 472.83 MARYSVILLE CA 95901 5 05/03/02 00 794572 05 07/01/02 0 794572 N 06/01/32 0 7815409 286/286 F 60,300.00 ZZ 360 60,116.77 1 7.250 411.35 90 7.000 411.35 QUARTZ HILL ARE CA 93536 1 05/10/02 11 792010 05 07/01/02 25 792010 N 06/01/32 0 7815415 286/286 F 77,750.00 ZZ 360 77,509.51 1 7.125 523.82 36 6.875 523.82 ENCINITAS CA 92007 5 05/10/02 00 733886 03 07/01/02 0 733886 N 06/01/32 0 7815433 286/286 F 112,500.00 ZZ 360 112,012.56 1 7.250 767.45 90 7.000 767.45 RENO NV 89506 1 05/21/02 10 816917 05 07/01/02 25 816917 N 06/01/32 0 7815449 286/286 F 133,200.00 ZZ 360 132,916.14 1 7.750 954.26 90 7.500 954.26 PHOENIX AZ 85050 1 05/22/02 21 799614 05 07/01/02 25 799614 N 06/01/32 0 7815453 286/286 F 132,000.00 ZZ 360 131,725.68 1 7.875 957.09 80 7.625 957.09 BETHESDA MD 20814 1 05/22/02 00 816146 01 07/01/02 0 1 816146 N 06/01/32 0 7815457 286/286 F 97,600.00 ZZ 360 97,375.83 1 7.375 674.10 80 7.125 674.10 GLENDALE AZ 85302 5 05/24/02 00 796320 05 07/01/02 0 796320 N 06/01/32 0 7815471 286/286 F 100,000.00 ZZ 360 99,843.51 1 7.250 682.18 41 7.000 682.18 HAZLET NJ 07730 5 06/12/02 00 1273475 05 08/01/02 0 1273475 O 07/01/32 0 7815475 286/286 F 96,000.00 ZZ 360 95,756.15 1 7.000 638.70 58 6.750 638.70 POINT MARION PA 15474 2 06/26/02 00 384838 05 07/01/02 0 384838 O 06/01/32 0 7815479 286/286 F 240,000.00 ZZ 360 239,595.58 1 6.875 1,576.63 69 6.625 1,576.63 COLUMBUS OH 43214 2 06/18/02 00 1338427 05 08/01/02 0 1338427 O 07/01/32 0 7815489 286/286 F 95,700.00 ZZ 360 95,546.48 2 7.125 644.75 87 6.875 644.75 COVINGTON OH 45318 2 06/17/02 10 1314244 05 08/01/02 25 1314244 O 07/01/32 0 1 7815493 286/286 F 152,000.00 ZZ 360 151,750.09 1 7.000 1,011.26 95 6.750 1,011.26 PHILADELHPHIA PA 19147 1 06/19/02 12 1094696 05 08/01/02 30 1094696 O 07/01/32 0 7815495 286/286 F 124,500.00 ZZ 360 124,189.92 1 6.875 817.88 53 6.625 817.88 HENDERSON NV 89052 5 06/11/02 00 1336178 03 08/01/02 0 1336178 O 07/01/32 0 7815503 286/286 F 96,000.00 ZZ 360 95,838.22 1 6.875 630.66 60 6.625 630.66 ST HELEN MI 48656 2 06/18/02 00 1292827 05 08/01/02 0 1292827 O 07/01/32 0 7815515 286/286 F 149,000.00 ZZ 360 148,748.92 1 6.875 978.83 89 6.625 978.83 GRESHAM OR 97080 2 06/19/02 10 105037 05 08/01/02 25 105037 O 07/01/32 0 7815521 286/286 F 215,000.00 ZZ 360 214,436.56 1 6.875 1,412.40 64 6.625 1,412.40 PLEASANT LAKE MI 49272 5 06/17/02 00 1331578 05 08/01/02 0 1331578 O 07/01/32 0 7815523 286/286 F 237,000.00 ZZ 360 236,664.36 1 7.750 1,697.90 70 7.500 1,697.90 1 GLENVIEW IL 60025 2 06/19/02 00 1315146 05 08/01/02 0 1315146 O 07/01/32 0 7815527 286/286 F 220,000.00 ZZ 354 219,419.91 1 6.875 1,452.68 61 6.625 1,452.68 ALIQUIPPA PA 15001 1 05/23/02 00 258229 05 07/01/02 0 258229 O 12/01/31 0 7815531 286/286 F 184,000.00 ZZ 360 183,689.95 1 6.875 1,208.75 67 6.625 1,208.75 MELROSE MA 02176 2 06/17/02 00 1326146 05 08/01/02 0 1326146 O 07/01/32 0 7815547 286/286 F 185,000.00 ZZ 360 184,688.27 1 6.875 1,215.32 27 6.625 1,215.32 WASHINGTON DC 20016 5 06/18/02 00 1081526 05 08/01/02 0 1081526 O 07/01/32 0 7815549 286/286 F 110,000.00 ZZ 360 109,736.72 1 7.125 741.10 33 6.875 741.10 SOMERS NY 10589 1 06/19/02 00 561114 01 08/01/02 0 561114 O 07/01/32 0 7815563 286/286 F 208,000.00 ZZ 360 207,649.50 1 6.875 1,366.42 88 6.625 1,366.42 EXETER CA 93221 1 06/10/02 11 890077 05 08/01/02 25 890077 O 07/01/32 0 1 7815565 286/286 F 121,500.00 ZZ 360 121,295.26 1 6.875 798.17 90 6.625 798.17 MUSKEGO WI 53150 2 06/17/02 10 1330567 05 08/01/02 25 1330567 O 07/01/32 0 7815577 286/286 F 164,200.00 ZZ 360 163,923.31 1 6.875 1,078.68 67 6.625 1,078.68 WANDO SC 29492 5 06/11/02 00 1312141 05 08/01/02 0 1312141 O 07/01/32 0 7815581 286/286 F 125,000.00 ZZ 360 124,789.37 1 6.875 821.17 45 6.625 821.17 BLOOMINGTON IN 47401 5 05/30/02 00 1291998 05 08/01/02 0 1291998 O 07/01/32 0 7815735 967/G02 F 99,450.00 ZZ 360 99,286.50 1 7.000 661.64 85 6.750 661.64 JEROME ID 83338 5 06/17/02 04 0434226502 05 08/01/02 12 8906901 O 07/01/32 0 7815927 964/G02 F 223,000.00 ZZ 360 222,624.23 1 6.875 1,464.95 75 6.625 1,464.95 NOVATO CA 94947 5 06/19/02 00 0434467676 09 08/01/02 0 220440 O 07/01/32 0 7815939 964/G02 F 206,000.00 ZZ 360 205,617.40 1 1 6.375 1,285.17 80 6.125 1,285.17 MODESTO CA 95350 1 06/18/02 00 0434318788 05 08/01/02 0 222377 O 07/01/32 0 7815941 964/G02 F 94,400.00 ZZ 360 93,841.72 1 7.125 635.99 80 6.875 635.99 SCOTTSDALE AZ 85250 1 06/19/02 00 0434318713 03 08/01/02 0 223533 O 07/01/32 0 7819943 E22/G02 F 199,750.00 ZZ 360 199,413.40 1 6.875 1,312.22 85 6.625 1,312.22 PONTIAC MI 48340 1 06/28/02 11 0413940289 29 08/01/02 12 0413940289 O 07/01/32 0 7820069 E22/G02 F 149,600.00 ZZ 360 147,743.55 1 7.000 995.29 80 6.750 995.30 SHELBY MI 48316 1 06/28/02 00 0414172098 05 08/01/02 0 0414172098 O 07/01/32 0 7820125 E22/G02 F 208,400.00 ZZ 360 208,081.87 1 7.375 1,439.37 80 7.125 1,439.37 WASHINGTON DC 20003 1 06/28/02 00 0414203984 07 08/01/02 0 0414203984 O 07/01/32 0 7820203 E22/G02 F 100,000.00 ZZ 360 99,839.59 1 7.125 673.72 73 6.875 673.72 SACRAMENTO CA 95820 2 06/24/02 00 0414237073 05 08/01/02 0 1 0414237073 N 07/01/32 0 7820273 E22/G02 F 90,000.00 ZZ 360 89,875.73 4 7.875 652.56 90 7.625 652.56 HOUSTON TX 77007 1 06/28/02 01 0414259580 05 08/01/02 25 0414259580 N 07/01/32 0 7820529 E22/G02 F 216,000.00 ZZ 360 215,627.01 1 6.750 1,400.97 80 6.500 1,400.97 CHICAGO IL 60707 1 06/28/02 00 0414346221 05 08/01/02 0 0414346221 O 07/01/32 0 7822781 U05/G02 F 93,750.00 ZZ 360 93,592.03 1 6.875 615.87 78 6.625 615.87 MISHAWAKA IN 46545 5 06/18/02 00 0434226841 05 08/01/02 0 3235238 O 07/01/32 0 7823623 E22/G02 F 112,000.00 ZZ 360 111,797.10 1 7.000 745.14 80 6.750 745.14 CHULA VISTA CA 91911 5 06/21/02 00 0414314351 01 08/01/02 0 0414314351 O 07/01/32 0 7824975 S27/G02 F 146,700.00 ZZ 360 146,492.25 2 7.750 1,050.98 90 7.500 1,050.98 CINCINNATI OH 45224 1 06/21/02 10 0434453940 05 08/01/02 25 1830001112 N 07/01/32 0 1 7825013 X19/G02 F 70,000.00 ZZ 360 69,945.40 1 7.250 477.52 50 7.000 477.52 PEEKSKILL NY 10566 1 07/02/02 00 0434334777 01 09/01/02 0 22050704 N 08/01/32 0 7825891 E22/G02 F 98,500.00 ZZ 360 98,345.86 2 7.250 671.94 84 7.000 671.94 FAIRFIELD AL 35064 2 06/27/02 04 0414003384 05 08/01/02 12 0414003384 O 07/01/32 0 7826009 E22/G02 F 315,000.00 ZZ 360 314,494.71 1 7.125 2,122.21 90 6.875 2,122.21 PEMBROKE PINES FL 33028 5 06/27/02 04 0414264523 03 08/01/02 25 0414264523 O 07/01/32 0 7826093 E22/G02 F 97,200.00 ZZ 360 97,129.65 1 7.625 687.98 90 7.375 687.98 PRIEST RIVER ID 83856 1 06/27/02 01 0414323907 05 09/01/02 25 0414323907 O 08/01/32 0 7826149 E22/G02 F 99,750.00 ZZ 360 99,665.40 1 7.375 688.95 95 7.125 688.95 ENID OK 73703 5 06/27/02 01 0414360602 05 09/01/02 30 0414360602 O 08/01/32 0 7826277 E82/G02 F 197,000.00 ZZ 360 196,842.46 1 7.125 1,327.23 80 6.875 1,327.23 1 LYONS OR 97358 1 07/03/02 00 0400641940 05 09/01/02 0 0400641940 O 08/01/32 0 7826623 K15/G02 F 293,500.00 ZZ 240 292,468.76 3 7.750 2,409.48 95 7.500 2,409.48 HAMPTON NH 03842 1 06/25/02 11 0434244448 02 08/01/02 30 033105500680 O 07/01/22 0 7826943 K15/G02 F 163,000.00 ZZ 360 162,732.00 1 7.000 1,084.44 75 6.750 1,084.44 BAYSHORE NY 11706 5 06/25/02 00 0434246674 05 08/01/02 0 020805303429 O 07/01/32 0 7828415 461/G02 F 600,000.00 ZZ 360 599,013.49 4 7.000 3,991.82 80 6.750 3,991.82 LONG BEACH CA 90803 1 06/28/02 00 0434498283 05 08/01/02 0 9031467368 O 07/01/32 0 7829745 E22/G02 F 220,000.00 ZZ 360 219,795.43 1 6.750 1,426.92 78 6.500 1,426.92 BOULDER CO 80303 5 06/28/02 00 0414171918 09 09/01/02 0 0414171918 O 08/01/32 0 7829803 E22/G02 F 95,000.00 ZZ 360 94,847.61 1 7.125 640.03 80 6.875 640.03 PUEBLO CO 81006 5 06/28/02 00 0414236422 05 08/01/02 0 0414236422 O 07/01/32 0 1 7829919 E22/G02 F 101,500.00 ZZ 360 101,373.80 1 7.375 701.04 80 7.125 701.04 WHEATON IL 60187 1 07/03/02 00 0414318410 01 09/01/02 0 0414318410 N 08/01/32 0 7831193 601/G02 F 93,500.00 ZZ 360 93,357.28 1 7.375 645.78 85 7.125 645.78 POOLER GA 31322 5 06/05/02 14 0434228920 05 08/01/02 12 61483921 O 07/01/32 0 7831295 964/G02 F 245,000.00 ZZ 360 244,544.96 1 6.375 1,528.48 41 6.125 1,528.48 ARROYO GRANDE CA 93420 2 06/24/02 00 0434324810 05 08/01/02 0 203789 O 07/01/32 0 7831297 964/G02 F 99,200.00 T 360 99,040.87 1 7.125 668.33 80 6.875 668.33 OAKHURST CA 93644 1 06/20/02 00 0434318861 05 08/01/02 0 208938 O 07/01/32 0 7831315 964/G02 F 249,750.00 ZZ 360 249,318.73 1 6.750 1,619.87 75 6.500 1,619.87 TEMPE AZ 85283 1 06/24/02 00 0434317962 03 08/01/02 0 217541 O 07/01/32 0 7831325 964/G02 F 153,700.00 ZZ 360 153,434.58 1 1 6.750 996.90 80 6.500 996.90 GARDNERVILLE NV 89410 5 06/21/02 00 0434467049 05 08/01/02 0 220141 O 07/01/32 0 7831915 601/G02 F 78,000.00 ZZ 360 77,883.86 1 7.500 545.39 69 7.250 545.39 OGDEN UT 84405 5 06/19/02 00 0434229498 05 08/01/02 0 61534475 O 07/01/32 0 7831985 601/G02 F 100,000.00 ZZ 360 99,797.37 2 8.000 733.76 35 7.750 733.76 MATTAPAN MA 02126 5 05/28/02 00 0434233680 05 07/01/02 0 61442604 O 06/01/32 0 7833873 E22/G02 F 109,800.00 ZZ 360 109,619.48 1 7.000 730.50 90 6.750 730.50 COLORADO SPRING CO 80905 1 07/05/02 04 0414349589 05 08/01/02 25 0414349589 N 07/01/32 0 7838261 E22/G02 F 142,200.00 ZZ 360 141,902.04 1 7.375 982.14 90 7.125 982.14 MIAMI FL 33177 5 07/02/02 04 0414260489 05 08/01/02 25 0414260489 O 07/01/32 0 7838447 E22/G02 F 96,300.00 ZZ 360 96,228.54 1 7.500 673.34 90 7.250 673.34 DENHAM SPRINGS LA 70726 1 07/08/02 11 0414365577 05 09/01/02 25 1 0414365577 O 08/01/32 0 7838479 E22/G02 F 161,200.00 ZZ 360 161,067.86 1 7.000 1,072.47 80 6.750 1,072.47 MILWAUKIE OR 97222 1 07/01/02 00 0414386664 05 09/01/02 0 0414386664 O 08/01/32 0 7838487 E22/G02 F 89,900.00 ZZ 360 89,678.29 3 8.000 659.65 90 7.750 659.65 FORT MYERS FL 33916 1 07/08/02 04 0414398388 05 08/01/02 25 0414398388 N 07/01/32 0 7838489 E22/G02 F 89,900.00 ZZ 360 89,678.29 3 8.000 659.65 90 7.750 659.65 FORT MYERS FL 33916 1 07/08/02 04 0414398818 05 08/01/02 25 0414398818 N 07/01/32 0 7838751 696/G02 F 163,200.00 ZZ 360 162,938.21 1 7.125 1,099.51 80 6.875 1,099.51 GAITHERSBURG MD 20878 1 06/28/02 00 0434243911 01 08/01/02 0 31202214 O 07/01/32 0 7838833 G34/G02 F 128,700.00 ZZ 360 128,498.60 2 7.250 877.96 90 7.000 877.96 CENTRAL POINT OR 97502 1 06/26/02 19 0434347241 05 08/01/02 25 44802263118 N 07/01/32 0 1 7839133 S27/G02 F 192,000.00 T 360 191,846.46 1 7.125 1,293.54 58 6.875 1,293.54 ST AUGUSTINE FL 32080 1 07/02/02 00 0434332276 01 09/01/02 0 1010021017 O 08/01/32 0 7841095 W53/G02 F 216,000.00 ZZ 360 215,352.77 3 7.500 1,510.30 90 7.250 1,510.30 BLOOMFIELD NJ 07003 1 04/04/02 01 0434278875 05 06/01/02 25 5101156100 O 05/01/32 0 7842749 E22/G02 F 132,700.00 ZZ 360 132,588.52 1 6.875 871.74 76 6.625 871.74 CHAPIN SC 29036 2 07/03/02 00 0414290593 05 09/01/02 0 0414290593 O 08/01/32 0 7842823 E22/G02 F 103,500.00 ZZ 360 103,423.19 1 7.500 723.69 90 7.250 723.69 SAN ANTONIO TX 78254 1 07/09/02 01 0414360008 03 09/01/02 25 0414360008 N 08/01/32 0 7843863 601/G02 F 168,000.00 ZZ 360 167,601.11 1 7.250 1,146.06 80 7.000 1,146.06 ALEXANDRIA VA 22315 1 05/28/02 00 0434258323 09 07/01/02 0 61515391 O 06/01/32 0 7843937 601/G02 F 102,200.00 ZZ 360 102,040.06 1 7.250 697.19 80 7.000 697.19 1 CANTON GA 30114 1 06/13/02 00 0434255337 05 08/01/02 0 61482360 N 07/01/32 0 7843971 601/G02 F 95,000.00 ZZ 360 94,770.71 1 7.125 640.04 54 6.875 640.04 SALEM NH 03079 5 05/22/02 00 0434254892 05 07/01/02 0 61476545 O 06/01/32 0 7843975 L16/G02 F 91,500.00 ZZ 360 91,367.14 1 7.625 647.63 74 7.375 647.63 BAKERSFIELD CA 93313 2 06/10/02 00 0434235669 05 08/01/02 0 12050068 O 07/01/32 0 7845139 601/G02 F 102,400.00 ZZ 360 102,170.58 2 7.500 716.00 80 7.250 716.00 NEW BEDFORD MA 02740 1 05/20/02 00 0434254967 05 07/01/02 0 61476842 N 06/01/32 0 7845177 F25/G02 F 221,000.00 ZZ 360 220,823.27 3 7.125 1,488.92 77 6.875 1,488.92 BROOKLYN NY 11216 2 07/06/02 00 0434253837 05 09/01/02 0 1 O 08/01/32 0 7845741 E22/G02 F 88,000.00 T 360 87,927.86 1 7.000 585.47 80 6.750 585.47 BOISE ID 83702 1 07/02/02 00 0414261685 05 09/01/02 0 0414261685 O 08/01/32 0 1 7845795 E22/G02 F 108,000.00 ZZ 360 107,923.77 1 7.750 773.73 80 7.500 773.73 TUNNEL HILL GA 30755 2 07/10/02 00 0414330704 05 09/01/02 0 0414330704 O 08/01/32 0 7845979 E82/G02 F 121,200.00 ZZ 360 121,098.18 1 6.875 796.20 90 6.625 796.20 HARBOR CITY CA 90710 2 06/22/02 04 0400641619 01 09/01/02 25 0400641619 O 08/01/32 0 7846195 S27/G02 F 104,000.00 ZZ 360 103,918.86 1 7.250 709.47 80 7.000 709.47 SAINT AUGUSTINE FL 32086 1 07/03/02 00 0434257705 05 09/01/02 0 1010020966 N 08/01/32 0 7846219 601/G02 F 72,000.00 ZZ 360 71,898.03 2 7.750 515.82 80 7.500 515.82 TAMPA FL 33612 1 06/14/02 00 0434235719 05 08/01/02 0 61547618 N 07/01/32 0 7846311 W40/G02 F 159,600.00 ZZ 360 159,462.59 1 6.750 1,035.16 80 6.500 1,035.16 CANTON MI 48187 1 07/08/02 00 0434400032 05 09/01/02 0 101007854 O 08/01/32 0 7846375 W08/G02 F 74,000.00 ZZ 360 73,889.82 1 1 7.500 517.42 80 7.250 517.42 CAROL CITY FL 33055 1 06/28/02 00 0434325940 05 08/01/02 0 021312MG O 07/01/32 0 7847145 196/G02 F 251,900.00 ZZ 360 251,560.82 3 8.000 1,848.36 90 7.750 1,848.36 WARREN RI 02885 1 06/21/02 04 0434294690 05 08/01/02 25 1320275 N 07/01/32 0 7847161 196/G02 F 38,752.00 ZZ 360 38,691.35 1 7.250 264.36 58 7.000 264.36 COLONIAL BEACH VA 22443 5 06/28/02 00 0434396057 05 08/01/02 0 1321002 O 07/01/32 0 7847173 196/G02 F 110,000.00 ZZ 360 109,840.25 1 7.625 778.58 48 7.375 778.58 MANTECA CA 95336 1 06/19/02 00 0434326195 03 08/01/02 0 1322372 N 07/01/32 0 7847187 196/G02 F 241,500.00 ZZ 360 240,982.97 1 6.750 1,566.37 50 6.500 1,566.37 SANTA ROSA CA 95404 1 06/10/02 00 0434323168 05 08/01/02 0 1495684 O 07/01/32 0 7847231 196/G02 F 130,410.00 ZZ 360 130,145.73 4 8.000 956.90 90 7.750 956.90 COLUMBIA SC 29210 2 06/04/02 02 0434395786 05 07/01/02 25 1 1538712 N 06/01/32 0 7847257 196/G02 F 260,000.00 ZZ 360 259,417.49 1 7.500 1,817.96 60 7.250 1,817.96 VENTURA CA 93004 1 05/24/02 00 0434396479 05 07/01/02 0 1540518 N 06/01/32 0 7847269 196/G02 F 229,500.00 ZZ 360 229,183.07 4 7.875 1,664.04 88 7.625 1,664.04 WASILLA AK 99654 1 06/25/02 14 0434395877 05 08/01/02 25 1541036 N 07/01/32 0 7847315 196/G02 F 97,395.00 ZZ 360 97,238.76 1 7.125 656.17 80 6.875 656.17 WOOSTER OH 44691 1 06/20/02 00 0434321790 01 08/01/02 0 1542846 O 07/01/32 0 7847323 196/G02 F 96,500.00 ZZ 360 96,337.38 1 6.875 633.94 88 6.625 633.94 MEEKER CO 81641 2 06/27/02 11 0434295937 05 08/01/02 25 1543076 O 07/01/32 0 7847357 196/G02 F 194,000.00 ZZ 360 193,681.03 1 7.000 1,290.69 80 6.750 1,290.69 SOUTHINGTON CT 06489 5 06/14/02 00 0434396321 05 08/01/02 0 1544890 O 07/01/32 0 1 7847359 196/G02 F 92,800.00 ZZ 360 92,639.75 1 6.750 601.90 80 6.500 601.90 STATESBORO GA 30461 1 06/28/02 00 0434295705 05 08/01/02 0 1544897 O 07/01/32 0 7847371 196/G02 F 250,000.00 ZZ 360 249,578.72 1 6.875 1,642.33 59 6.625 1,642.33 VALLEGO CA 94591 5 06/20/02 00 0434324513 05 08/01/02 0 1545856 O 07/01/32 0 7847383 196/G02 F 130,900.00 ZZ 360 130,673.95 2 6.750 849.02 70 6.500 849.02 BRIDGEPORT CT 06604 1 06/27/02 00 0434396446 05 08/01/02 0 1546697 O 07/01/32 0 7847389 196/G02 F 96,000.00 ZZ 360 95,864.04 2 7.750 687.76 80 7.500 687.76 ANSONIA CT 06401 1 07/03/02 00 0434326823 05 08/01/02 0 1547263 N 07/01/32 0 7847827 738/G02 F 245,000.00 ZZ 360 244,616.58 1 7.250 1,671.34 95 7.000 1,671.34 COLUMBIA SC 29223 1 06/26/02 10 0434325445 05 08/01/02 30 40470953 O 07/01/32 0 7847845 K15/G02 F 100,100.00 ZZ 360 99,994.34 1 7.125 674.39 59 6.875 674.39 1 INWOOD NY 11096 5 07/02/02 00 0434251864 05 09/01/02 0 011105300209 N 08/01/32 0 7848257 477/G02 F 130,320.00 ZZ 360 130,110.96 1 7.125 877.99 80 6.875 877.99 TEMECULA CA 92591 1 06/25/02 00 0434270930 01 08/01/02 0 232712 O 07/01/32 0 7848813 E47/G02 F 188,000.00 ZZ 360 187,683.20 1 6.875 1,235.03 80 6.625 1,235.03 AUSTIN TX 78749 5 06/17/02 00 0434326682 05 08/01/02 0 7362511248 O 07/01/32 0 7848815 E86/G02 F 206,500.00 ZZ 360 206,152.03 1 6.875 1,356.56 22 6.625 1,356.56 EDGEWATER MD 21037 5 06/26/02 00 0434325833 05 08/01/02 0 316691 O 07/01/32 0 7848875 E22/G02 F 94,900.00 ZZ 360 94,831.31 1 7.625 671.70 95 7.375 671.70 PALM BEACH GARD FL 33418 1 07/11/02 04 0414192880 09 09/01/02 30 0414192880 O 08/01/32 0 7848963 E22/G02 F 213,750.00 ZZ 360 213,591.37 1 7.500 1,494.57 95 7.250 1,494.57 PICO RIVERA CA 90660 1 07/01/02 11 0414386474 05 09/01/02 35 0414386474 O 08/01/32 0 1 7849255 E82/G02 F 96,000.00 ZZ 360 95,920.00 1 7.000 638.69 80 6.750 638.69 MARIETTA GA 30008 5 07/05/02 00 0400643383 05 09/01/02 0 0400643383 O 08/01/32 0 7851629 196/G02 F 265,400.00 ZZ 360 264,727.25 1 6.875 1,743.49 75 6.625 1,743.49 CORONA CA 92880 1 05/30/02 00 0434396651 05 07/01/02 0 1536231 O 06/01/32 0 7853741 T44/G02 F 124,000.00 ZZ 360 123,805.95 4 7.250 845.90 80 7.000 845.90 MARYSVILLE CA 95901 1 06/28/02 00 0434278461 05 08/01/02 0 1045978 N 07/01/32 0 7853795 E22/G02 F 104,500.00 ZZ 360 104,422.45 2 7.500 730.68 95 7.250 730.68 MIAMI FL 33142 1 07/12/02 04 0414220095 05 09/01/02 30 0414220095 O 08/01/32 0 7853825 E22/G02 F 150,000.00 ZZ 360 149,885.87 1 7.375 1,036.01 60 7.125 1,036.01 DALLAS TX 75252 5 07/08/02 00 0414288738 05 09/01/02 0 0414288738 O 08/01/32 0 7854147 E82/G02 F 187,100.00 ZZ 360 186,881.36 1 1 6.875 1,229.11 55 6.625 1,229.11 PEMBROKE PINES FL 33028 2 07/08/02 00 0400631834 05 09/01/02 0 7854147 O 08/01/32 0 7854237 737/G02 F 139,500.00 ZZ 360 139,307.37 4 7.875 1,011.47 90 7.625 1,011.47 NEW ORLEANS LA 70127 1 06/07/02 12 0434273413 05 08/01/02 25 2071830 N 07/01/32 0 7854313 U36/G02 F 95,400.00 ZZ 360 95,257.96 1 7.500 667.05 90 7.250 667.05 MARIETTA GA 30066 1 07/02/02 12 0434321485 05 08/01/02 25 973601001 O 07/01/32 0 7854429 H81/G02 F 203,000.00 ZZ 360 202,697.74 2 7.500 1,419.41 70 7.250 1,419.41 BERWYN IL 60402 5 06/26/02 00 0434335063 05 08/01/02 0 WH15525SP O 07/01/32 0 7854537 A50/G02 F 90,500.00 ZZ 360 90,311.93 1 7.875 656.19 70 7.625 656.19 WARRIOR AL 35180 2 05/30/02 00 0434279188 05 07/01/02 0 494762 O 06/01/32 0 7855511 477/G02 F 256,400.00 ZZ 360 255,967.94 1 6.875 1,684.37 90 6.625 1,684.37 CARSON CA 90745 1 06/24/02 11 0434278230 05 08/01/02 25 1 232897 O 07/01/32 0 7856847 N67/G02 F 157,000.00 ZZ 360 156,726.21 1 8.750 1,235.12 79 8.500 1,235.12 WESTMINSTER CO 80021 5 06/04/02 01 0434293338 05 08/01/02 35 1782001166A O 07/01/32 0 7857331 E22/G02 F 88,000.00 ZZ 360 87,936.31 2 7.625 622.86 80 7.375 622.86 COLUMBUS OH 43209 5 07/15/02 00 0414076083 05 09/01/02 0 0414076083 N 08/01/32 0 7857367 E22/G02 F 184,500.00 ZZ 360 184,373.03 2 7.875 1,337.75 90 7.625 1,337.75 ELIZABETH NJ 07202 1 07/15/02 04 0414190009 05 09/01/02 25 0414190009 O 08/01/32 0 7857571 E22/G02 F 95,500.00 ZZ 360 95,419.77 1 6.875 627.37 51 6.625 627.37 ATLANTA GA 30316 5 07/09/02 00 0414386128 05 09/01/02 0 0414386128 O 08/01/32 0 7857573 E22/G02 F 128,000.00 ZZ 360 127,897.64 1 7.125 862.36 80 6.875 862.36 WATERFORD MI 48328 2 07/09/02 00 0414388702 05 09/01/02 0 0414388702 O 08/01/32 0 1 7858423 144/144 F 92,000.00 ZZ 360 91,926.43 1 7.125 619.82 80 6.875 619.82 SAUGERTIES NY 12477 1 07/02/02 00 160692756 05 09/01/02 0 160692756 O 08/01/32 0 7860773 E22/G02 F 160,000.00 ZZ 360 159,884.20 1 7.625 1,132.47 60 7.375 1,132.47 TOMBALL TX 77375 5 07/11/02 00 0414239814 05 09/01/02 0 0414239814 O 08/01/32 0 7860791 E22/G02 F 140,000.00 ZZ 360 139,882.38 1 6.875 919.70 80 6.625 919.70 PHILOMATH OR 97370 1 07/12/02 00 0414284869 05 09/01/02 0 0414284869 O 08/01/32 0 7860845 E22/G02 F 200,000.00 ZZ 360 199,836.07 1 7.000 1,330.60 40 6.750 1,330.60 BURLINGAME CA 94010 1 06/26/02 00 0414357814 01 09/01/02 0 0414357814 O 08/01/32 0 7860967 E22/G02 F 96,300.00 ZZ 360 95,944.01 1 7.125 648.79 90 6.875 648.79 DENTON TX 76209 1 07/16/02 04 0414469387 05 09/01/02 25 0414469387 N 08/01/32 0 7861015 E82/G02 F 263,000.00 ZZ 360 262,789.68 2 7.125 1,771.88 48 6.875 1,771.88 1 SAN JOSE CA 95124 2 07/15/02 00 0400644563 05 09/01/02 0 1827852 N 08/01/32 0 7861381 A46/G02 F 107,900.00 ZZ 360 107,747.19 4 7.750 773.01 90 7.500 773.01 ALBUQUERQUE NM 87108 1 06/21/02 04 0434323424 05 08/01/02 25 04562232 N 07/01/32 0 7861451 A80/G02 F 155,700.00 ZZ 360 155,581.52 1 7.375 1,075.39 89 7.125 1,075.39 SUNRISE FL 33322 1 07/11/02 01 0434378105 05 09/01/02 25 020630877 O 08/01/32 0 7862233 313/G02 F 107,200.00 ZZ 360 107,112.12 1 7.000 713.21 80 6.750 713.21 GILBERT AZ 85296 1 07/09/02 00 0434319455 09 09/01/02 0 0008675993 N 08/01/32 0 7862299 758/G02 F 99,050.00 ZZ 360 98,833.09 1 6.875 650.69 80 6.625 650.69 CYPRESS TX 77429 1 06/26/02 00 0434320255 03 08/01/02 0 301639 O 07/01/32 0 7862433 X31/G02 F 188,005.00 ZZ 360 187,868.93 1 7.625 1,330.69 95 7.375 1,330.69 CORONA CA 92882 1 07/11/02 10 0434353579 05 09/01/02 30 40102078 O 08/01/32 0 1 7862581 F61/G02 F 102,500.00 ZZ 360 102,335.49 1 7.125 690.56 90 6.875 690.56 OLYMPIA WA 98516 1 07/12/02 04 0434318697 05 09/01/02 25 021045CU N 08/01/32 0 7862587 144/144 F 130,400.00 ZZ 360 130,290.44 1 6.875 856.64 80 6.625 856.64 ROCK HILL NY 12775 1 07/12/02 00 160693366 05 09/01/02 0 160693366 O 08/01/32 0 7862793 K15/G02 F 193,300.00 ZZ 360 193,160.09 1 7.625 1,368.17 85 7.375 1,368.17 EAST PATCHOGUE NY 11772 5 07/10/02 11 0434322384 05 09/01/02 12 020705303458 O 08/01/32 0 7863051 X67/G02 F 158,950.00 ZZ 360 158,819.71 1 7.000 1,057.50 85 6.750 1,057.50 LONG BEACH CA 90810 5 07/05/02 10 0434307161 05 09/01/02 12 00267808 O 08/01/32 0 7863443 E57/G02 F 180,000.00 ZZ 360 179,856.06 1 7.125 1,212.69 80 6.875 1,212.69 FRESNO CA 93720 5 07/03/02 00 0434321451 05 09/01/02 0 13002547 O 08/01/32 0 7863491 E22/G02 F 95,950.00 ZZ 360 95,864.36 1 1 7.500 670.90 95 7.250 670.90 VALLEY TOWNSHIP PA 19320 2 07/12/02 04 0414217653 05 09/01/02 30 0414217653 O 08/01/32 0 7863563 E22/G02 F 117,000.00 ZZ 360 116,797.97 1 6.750 758.86 90 6.500 758.86 MIAMI FL 33176 1 06/27/02 01 0414314955 09 08/01/02 25 0414314955 O 07/01/32 0 7863567 E22/G02 F 125,000.00 ZZ 360 124,894.99 1 6.875 821.16 35 6.625 821.16 RICHMOND CA 94803 2 07/08/02 00 0414319061 03 09/01/02 0 0414319061 O 08/01/32 0 7863683 E22/G02 F 117,200.00 ZZ 360 117,119.35 1 7.875 849.78 65 7.625 849.78 CITRONELLE AL 36522 5 07/12/02 00 0414403543 05 09/01/02 0 0414403543 O 08/01/32 0 7863855 E82/G02 F 212,000.00 ZZ 360 211,834.62 1 7.250 1,446.21 80 7.000 1,446.21 DRAIN OR 97435 2 07/12/02 00 0400640009 05 09/01/02 0 5450548 O 08/01/32 0 7864491 E76/G02 F 81,000.00 ZZ 360 80,944.25 4 7.875 587.31 90 7.625 587.31 NEW ORLEANS LA 70115 2 07/12/02 12 0434324455 05 09/01/02 12 1 10013432 N 08/01/32 0 7864971 Q87/G02 F 92,000.00 ZZ 360 91,844.98 1 6.875 604.37 79 6.625 604.37 KAUFMAN TX 75142 5 07/10/02 00 0434327276 05 08/15/02 0 KEBR01 O 07/15/32 0 7865135 Q87/G02 F 85,000.00 ZZ 360 84,876.57 1 7.625 601.62 85 7.375 601.62 SEALE AL 36875 5 07/16/02 04 0434394623 05 08/22/02 12 COCA01 O 07/22/32 0 7865223 883/G02 F 96,400.00 ZZ 360 96,326.65 1 7.375 665.81 80 7.125 665.81 WINTER HAVEN FL 33884 1 07/12/02 00 0434325908 05 09/01/02 0 05017411 O 08/01/32 0 7866237 U05/G02 F 100,000.00 ZZ 360 99,843.51 1 7.250 682.18 80 7.000 682.18 MODESTO CA 95356 1 06/27/02 00 0434325742 01 08/01/02 0 3237872 N 07/01/32 0 7866251 P27/G02 F 106,000.00 ZZ 360 105,829.97 2 7.125 714.14 40 6.875 714.14 OAKLAND CA 94601 5 06/13/02 00 0434324992 05 08/01/02 0 2102065422 O 07/01/32 0 1 7866975 E22/G02 F 178,000.00 ZZ 360 177,846.75 1 6.750 1,154.50 77 6.500 1,154.50 LOMPOC CA 93436 2 07/02/02 00 0414356139 05 09/01/02 0 0414356139 O 08/01/32 0 7867071 E22/G02 F 192,800.00 ZZ 360 190,997.05 1 6.750 1,250.50 80 6.500 1,250.50 ELKHART IN 46516 1 07/19/02 00 0414515387 03 09/01/02 0 0414515387 O 08/01/32 0 7867141 E82/G02 F 158,700.00 ZZ 360 158,579.24 4 7.375 1,096.10 48 7.125 1,096.10 CHINO CA 91710 2 07/17/02 00 0400645578 05 09/01/02 0 1769196 N 08/01/32 0 7868101 E86/G02 F 244,800.00 ZZ 360 244,453.32 1 7.750 1,753.78 80 7.500 1,753.78 COSTA MESA CA 92627 5 06/25/02 00 0434341913 05 08/01/02 0 0000205916 O 07/01/32 0 7869183 737/G02 F 80,800.00 ZZ 360 80,744.39 1 7.875 585.86 80 7.625 585.86 SAINT GEORGE UT 84770 1 07/10/02 00 0434354148 05 09/01/02 0 2074282 N 08/01/32 0 7869347 A06/G02 F 69,300.00 ZZ 360 69,248.57 2 7.500 484.56 90 7.250 484.56 1 DETROIT MI 48206 1 07/12/02 12 0434330601 05 09/01/02 25 001000010201101 O 08/01/32 0 7869397 758/G02 F 91,400.00 ZZ 360 91,325.08 1 7.000 608.09 75 6.750 608.09 SUGAR LAND TX 77478 1 07/09/02 00 0434324224 05 09/01/02 0 871469 O 08/01/32 0 7870977 E22/G02 F 120,500.00 ZZ 240 120,275.62 1 7.250 952.40 94 7.000 952.40 GORHAM ME 04038 5 07/15/02 04 0414249946 05 09/01/02 30 0414249946 O 08/01/22 0 7871065 E22/G02 F 94,500.00 ZZ 360 94,428.09 1 7.375 652.69 90 7.125 652.69 BROKEN ARROW OK 74012 1 07/18/02 04 0414373043 05 09/01/02 25 0414373043 O 08/01/32 0 7871141 E22/G02 F 142,400.00 ZZ 360 142,277.40 1 6.750 923.60 80 6.500 923.60 ULM MT 59485 5 07/15/02 00 0414410282 05 09/01/02 0 0414410282 O 08/01/32 0 7871231 E22/G02 F 228,637.00 ZZ 360 228,463.02 1 7.375 1,579.14 80 7.125 1,579.14 FORT WORTH TX 76126 5 07/15/02 00 0414454264 05 09/01/02 0 0414454264 O 08/01/32 0 1 7871293 E82/G02 F 123,250.00 ZZ 360 123,156.21 1 7.375 851.26 85 7.125 851.26 DULUTH MN 55811 5 07/15/02 04 0400641031 05 09/01/02 12 0400641031 O 08/01/32 0 7871299 E82/G02 F 124,700.00 ZZ 360 124,605.12 1 7.375 861.27 85 7.125 861.27 DUNEDIN FL 34698 5 07/17/02 04 0400645081 05 09/01/02 12 0400645081 O 08/01/32 0 7871307 E82/G02 F 120,000.00 ZZ 360 119,904.04 1 7.125 808.46 56 6.875 808.46 WILDWOOD NJ 08260 2 07/12/02 00 0400645636 03 09/01/02 0 1985242 O 08/01/32 0 7871311 E82/G02 F 200,000.00 ZZ 360 199,836.07 1 7.000 1,330.60 80 6.750 1,330.60 IMPERIAL NE 69033 2 07/17/02 00 0400643037 05 09/01/02 0 0400643037 O 08/01/32 0 7873029 K15/G02 F 72,000.00 ZZ 360 71,951.69 1 8.000 528.31 80 7.750 528.31 DETROIT MI 48224 5 07/17/02 00 0434328811 05 09/01/02 0 035805501361 O 08/01/32 0 7873095 952/G02 F 188,000.00 ZZ 360 187,838.14 1 1 6.750 1,219.36 80 6.500 1,219.36 WASHINGTON TWP NJ 08032 5 07/11/02 00 0434330973 05 09/01/02 0 20026277 O 08/01/32 0 7873179 144/144 F 110,000.00 ZZ 360 109,907.59 1 6.875 722.62 58 6.625 722.62 RIVERHEAD NY 11901 5 07/15/02 00 160666099 05 09/01/02 0 160666099 O 08/01/32 0 7873185 W02/G02 F 94,650.00 ZZ 360 94,568.51 1 6.750 613.90 76 6.500 613.90 SAINT AUGUSTINE FL 32084 5 07/05/02 00 0434323739 05 09/01/02 0 1001277995 O 08/01/32 0 7873473 588/G02 F 124,000.00 ZZ 360 123,815.37 1 7.500 867.03 80 7.250 867.03 RESTON VA 20194 1 06/06/02 00 0434330270 01 08/01/02 0 00010676442 O 07/01/32 0 7875197 E22/G02 F 54,000.00 ZZ 360 53,962.84 1 7.875 391.54 66 7.625 391.54 YAKIMA WA 98901 2 07/12/02 00 0414314567 05 09/01/02 0 0414314567 N 08/01/32 0 7875221 E22/G02 F 120,000.00 ZZ 360 119,901.64 1 7.000 798.36 80 6.750 798.36 HAUGHTON LA 71037 2 07/16/02 00 0414334250 05 09/01/02 0 1 0414334250 O 08/01/32 0 7875251 E22/G02 F 93,600.00 ZZ 360 93,521.36 1 6.875 614.89 80 6.625 614.89 ALBUQUERQUE NM 87120 5 07/16/02 00 0414371070 05 09/01/02 0 0414371070 O 08/01/32 0 7875255 E22/G02 F 218,500.00 ZZ 360 218,349.63 1 7.875 1,584.28 95 7.625 1,584.28 CORAL SPRINGS FL 33065 5 07/16/02 04 0414373993 05 09/01/02 30 0414373993 O 08/01/32 0 7875415 E22/G02 F 200,000.00 ZZ 360 199,831.97 1 6.875 1,313.86 55 6.625 1,313.86 NEVADA CITY CA 95959 1 07/15/02 00 0414475921 05 09/01/02 0 0414475921 O 08/01/32 0 7875437 E22/G02 F 258,400.00 ZZ 360 258,203.38 2 7.375 1,784.70 80 7.125 1,784.70 SANTA PAULA CA 93060 1 07/12/02 00 0414505651 05 09/01/02 0 0414505651 N 08/01/32 0 7875533 E82/G02 F 145,900.00 ZZ 360 145,786.18 1 7.250 995.30 52 7.000 995.30 FAYETTEVILL NY 13066 2 07/18/02 00 0400645834 05 09/01/02 0 3613169 O 08/01/32 0 1 7875535 E82/G02 F 150,050.00 ZZ 360 149,923.94 1 6.875 985.72 80 6.625 985.72 SAN MARCOS TX 78666 2 07/19/02 00 0400655205 05 09/01/02 0 0400655205 O 08/01/32 0 7875573 E82/G02 F 172,000.00 T 360 171,862.45 1 7.125 1,158.80 64 6.875 1,158.80 TUCSON AZ 85715 2 07/17/02 00 0400646576 05 09/01/02 0 0400646576 O 08/01/32 0 7876185 U05/G02 F 189,000.00 ZZ 360 188,845.08 1 7.000 1,257.42 90 6.750 1,257.42 PORTLAND OR 97214 1 07/03/02 11 0434379970 05 09/01/02 25 3242735 O 08/01/32 0 7876625 Q66/G02 F 191,800.00 ZZ 360 191,654.06 1 7.375 1,324.71 95 7.125 1,324.71 SOUTH ST. PAUL MN 55075 2 07/23/02 14 0434339362 05 09/01/02 30 02B0020 O 08/01/32 0 7877067 E11/G02 F 208,000.00 ZZ 360 207,825.26 1 6.875 1,366.41 80 6.625 1,366.41 GILBERT AZ 85234 1 07/16/02 00 0434343083 03 09/01/02 0 1 O 08/01/32 0 7877311 N47/G02 F 150,000.00 ZZ 360 149,880.05 1 7.125 1,010.58 72 6.875 1,010.58 1 GLENVILLE NC 28736 5 07/15/02 00 0434351722 03 09/01/02 0 40121326 O 08/01/32 0 7877969 E22/G02 F 179,000.00 ZZ 360 178,845.89 1 6.750 1,160.99 64 6.500 1,160.99 BURBANK CA 91505 2 07/16/02 00 0414268458 05 09/01/02 0 0414268458 O 08/01/32 0 7877989 E22/G02 F 311,000.00 ZZ 360 309,645.08 1 7.000 2,069.09 67 6.750 2,069.09 WESTON FL 33326 5 07/18/02 00 0414321414 03 09/01/02 0 0414321414 O 08/01/32 0 7878045 E22/G02 F 150,300.00 ZZ 360 150,173.73 3 6.875 987.36 90 6.625 987.36 SAN BERNARDINO CA 92404 1 07/16/02 04 0414394114 05 09/01/02 25 0414394114 N 08/01/32 0 7878047 E22/G02 F 150,300.00 ZZ 360 150,173.73 3 6.875 987.36 90 6.625 987.36 SAN BERNARDINO CA 92404 1 07/16/02 04 0414394122 05 09/01/02 25 0414394122 N 08/01/32 0 7878095 E22/G02 F 57,600.00 ZZ 360 56,555.07 1 7.250 392.93 80 7.000 392.93 JACKSONVILLE FL 32206 5 07/18/02 00 0414426965 05 09/01/02 0 0414426965 O 08/01/32 0 1 7878113 E22/G02 F 239,500.00 ZZ 360 239,313.17 1 7.250 1,633.81 78 7.000 1,633.81 MT. OLIVE TOWNS NJ 07828 2 07/18/02 00 0414445320 05 09/01/02 0 0414445320 O 08/01/32 0 7878159 E22/G02 F 128,250.00 ZZ 360 127,902.68 4 7.375 885.79 90 7.125 885.79 SPOKANE WA 99217 1 07/16/02 04 0414497768 05 09/01/02 25 0414497768 N 08/01/32 0 7878161 E22/G02 F 128,250.00 ZZ 360 127,898.54 4 7.375 885.79 90 7.125 885.79 SPOKANE WA 99217 1 07/16/02 04 0414497784 05 09/01/02 25 0414497784 N 08/01/32 0 7878223 E82/G02 F 103,500.00 ZZ 360 103,415.16 1 7.000 688.59 73 6.750 688.59 COLORADO SPRING CO 80918 2 07/18/02 00 0400647483 05 09/01/02 0 1594787 N 08/01/32 0 7878737 X31/G02 F 232,000.00 ZZ 360 231,790.27 1 6.500 1,466.40 57 6.250 1,466.40 CHINO HILLS CA 91709 1 07/18/02 00 0434395406 03 09/01/02 0 24000340 O 08/01/32 0 7878745 X31/G02 F 146,250.00 ZZ 360 146,104.54 1 1 7.250 997.68 75 7.000 997.68 AZUSA AREA CA 91702 5 07/12/02 00 0434355541 05 09/01/02 0 40102829 O 08/01/32 0 7878819 U05/G02 F 68,000.00 ZZ 360 67,953.20 1 7.875 493.05 80 7.625 493.05 HURST TX 76053 5 07/08/02 00 0434462297 05 09/01/02 0 3240805 O 08/01/32 0 7878867 W30/G02 F 233,000.00 ZZ 360 232,626.25 1 7.125 1,569.76 78 6.875 1,569.76 BUZZARDS BAY MA 02532 5 06/12/02 00 0434374609 05 08/01/02 0 0576284 O 07/01/32 0 7878893 N74/G02 F 172,800.00 ZZ 360 172,651.22 1 6.750 1,120.78 90 6.500 1,120.78 GASTONIA NC 28054 5 07/19/02 10 0434330841 05 09/01/02 25 0030467010 O 08/01/32 0 7878903 N74/G02 F 127,300.00 ZZ 360 127,210.16 1 7.750 911.99 95 7.500 911.99 EASLEY SC 29642 2 07/19/02 10 0434349718 05 09/01/02 30 0030468010 O 08/01/32 0 7878933 F36/G02 F 65,500.00 ZZ 360 65,448.90 1 7.250 446.83 76 7.000 446.83 CENTRALIA WA 98531 1 07/10/02 00 0434334348 05 09/01/02 0 1 06404832 O 08/01/32 0 7879359 W30/G02 F 153,000.00 ZZ 360 152,689.97 1 8.000 1,122.66 90 7.750 1,122.66 BROCKTON MA 02302 1 05/09/05 14 0434385910 05 07/01/02 25 6984936 N 06/01/32 0 7880049 N47/G02 F 85,000.00 ZZ 360 84,940.01 1 7.750 608.95 78 7.500 608.95 LAKESIDE CA 92040 2 07/10/02 00 0434346979 01 09/01/02 0 20220852 N 08/01/32 0 7880453 E22/G02 F 85,000.00 T 360 84,941.50 1 7.875 616.31 54 7.625 616.31 ADAMSTOWN MD 20710 5 07/24/02 00 0413922782 05 09/01/02 0 0413922782 O 08/01/32 0 7880489 E22/G02 F 220,000.00 ZZ 360 219,836.73 3 7.500 1,538.27 80 7.250 1,538.27 PERTH AMBOY NJ 08861 1 07/24/02 00 0414246363 05 09/01/02 0 0414246363 O 08/01/32 0 7880493 E22/G02 F 120,800.00 ZZ 360 120,698.51 1 6.875 793.57 80 6.625 793.57 GLENDALE AZ 85304 2 07/16/02 00 0414254680 05 09/01/02 0 0414254680 O 08/01/32 0 1 7880503 E22/G02 F 99,900.00 ZZ 360 99,813.99 1 6.750 647.95 90 6.500 647.95 KENDALVILLE IN 46755 5 07/19/02 04 0414272153 05 09/01/02 25 0414272153 O 08/01/32 0 7880623 E22/G02 F 66,400.00 ZZ 360 66,354.30 1 7.875 481.45 80 7.625 481.45 HIALEAH FL 33012 1 07/24/02 00 0414406637 01 09/01/02 0 0414406637 N 08/01/32 0 7880637 E22/G02 F 189,000.00 ZZ 360 188,845.08 1 7.000 1,257.42 90 6.750 1,257.42 MIRAMAR FL 33027 5 07/19/02 04 0414416511 03 09/01/02 25 0414416511 O 08/01/32 0 7880663 E22/G02 F 210,000.00 ZZ 360 209,823.58 1 6.875 1,379.55 77 6.625 1,379.55 ELK GROVE CA 95758 5 07/17/02 00 0414433854 05 09/01/02 0 0414433854 O 08/01/32 0 7880689 E22/G02 F 194,750.00 ZZ 360 194,586.39 1 6.875 1,279.37 95 6.625 1,279.37 CUMBERLAND RI 02864 5 07/19/02 01 0414447789 05 09/01/02 30 0414447789 O 08/01/32 0 7880729 E22/G02 F 91,800.00 ZZ 360 91,396.72 1 7.125 618.47 88 6.875 618.47 1 BIRMINGHAM AL 35222 2 07/19/02 04 0414475855 05 09/01/02 25 0414475855 O 08/01/32 0 7880783 E22/G02 F 196,000.00 ZZ 360 195,843.26 1 7.125 1,320.49 77 6.875 1,320.49 MELBA ID 83641 2 07/19/02 00 0414530675 05 09/01/02 0 0414530675 O 08/01/32 0 7880823 E82/G02 F 128,600.00 ZZ 360 128,509.23 1 7.750 921.31 89 7.500 921.31 EL SOBRANTE CA 94803 2 07/19/02 04 0400625448 01 09/01/02 25 0400625448 O 08/01/32 0 7881295 Q57/G02 F 200,000.00 ZZ 360 199,827.80 1 6.750 1,297.20 80 6.500 1,297.20 CENTENNIAL CO 80112 5 07/17/02 00 0434339586 05 09/01/02 0 52800002 O 08/01/32 0 7881831 950/G02 F 128,250.00 ZZ 360 128,157.17 3 7.625 907.75 90 7.375 907.75 REDDING CA 96019 1 07/01/02 14 0434410734 05 09/01/02 25 A5205033 N 08/01/32 0 7881835 W02/G02 F 96,300.00 ZZ 360 95,994.63 1 7.125 648.79 90 6.875 648.79 CAPE CORAL FL 33990 5 06/28/02 12 0434333951 05 08/01/02 25 1001290178 O 07/01/32 0 1 7881923 Q66/G02 F 120,000.00 ZZ 360 119,899.19 1 6.875 788.31 74 6.625 788.31 RAMSEY MN 55303 5 07/24/02 00 0434334785 05 09/01/02 0 02B0023 O 08/01/32 0 7882275 U35/G02 F 184,400.00 ZZ 360 184,089.28 1 6.875 1,211.38 90 6.625 1,211.38 CLOVIS CA 93611 5 06/24/02 04 0434508016 05 08/01/02 25 8741910 O 07/01/32 0 7882405 E86/G02 F 223,920.00 ZZ 360 223,761.96 1 7.750 1,604.19 80 7.500 1,604.19 ANAHEIM CA 92804 1 07/03/02 00 0434340626 05 09/01/02 0 0000202393 O 08/01/32 0 7882613 U05/G02 F 104,000.00 ZZ 360 103,820.42 1 6.750 674.54 80 6.500 674.54 INDIANAPOLIS IN 46237 1 06/28/02 00 0434341103 05 08/01/02 0 3240606 N 07/01/32 0 7882625 E86/G02 F 140,000.00 ZZ 360 139,882.38 1 6.875 919.70 64 6.625 919.70 LAKE FOREST CA 92630 1 07/10/02 00 0434341434 09 09/01/02 0 208753 O 08/01/32 0 7882697 U05/G02 F 240,000.00 ZZ 360 231,850.69 1 1 7.500 1,678.11 79 7.250 1,678.11 TUALATIN OR 97062 2 07/05/02 00 0434349957 05 09/01/02 0 3243135 O 08/01/32 0 7882983 E22/G02 F 120,600.00 ZZ 360 120,498.68 1 6.875 792.26 80 6.625 792.26 ANDERSON CA 96007 1 07/02/02 00 0414150284 05 09/01/02 0 0414150284 N 08/01/32 0 7882993 E22/G02 F 117,200.00 ZZ 360 117,095.88 1 7.125 789.60 80 6.875 789.60 OAKLAND CA 94621 1 07/03/02 00 0414167502 05 09/01/02 0 0414167502 N 08/01/32 0 7883017 E22/G02 F 136,000.00 ZZ 360 135,880.45 1 6.750 882.09 80 6.500 882.09 VANCOUVER WA 98662 1 07/22/02 00 0414298620 05 09/01/02 0 0414298620 O 08/01/32 0 7883035 E22/G02 F 85,000.00 ZZ 360 84,932.03 1 7.125 572.66 78 6.875 572.66 HIALEAH FL 33016 1 07/25/02 00 0414361444 01 09/01/02 0 0414367144 O 08/01/32 0 7883059 E22/G02 F 80,000.00 ZZ 360 79,944.94 1 7.875 580.06 53 7.625 580.06 NORTHGLENN CO 80233 5 07/25/02 00 0414411108 05 09/01/02 0 1 0414411108 N 08/01/32 0 7883083 E22/G02 F 560,000.00 ZZ 360 559,604.76 3 7.750 4,011.91 80 7.500 4,011.91 CHICAGO IL 60613 1 07/25/02 00 0414444422 05 09/01/02 0 0414444422 O 08/01/32 0 7883115 E22/G02 F 75,000.00 T 360 74,936.99 1 6.875 492.70 47 6.625 492.70 SEVIERVILLE TN 37862 5 07/25/02 00 0414479402 05 09/01/02 0 0414479402 O 08/01/32 0 7883131 E22/G02 F 95,800.00 ZZ 360 95,732.39 1 7.750 686.32 80 7.500 686.32 AURORA CO 80017 2 07/26/02 00 0414519405 01 09/01/02 0 0414519405 N 08/01/32 0 7883137 E22/G02 F 180,000.00 ZZ 360 179,848.78 1 6.875 1,182.47 80 6.625 1,182.47 STOCKTON CA 95219 1 07/23/02 00 0414525402 03 09/01/02 0 0414525402 O 08/01/32 0 7883149 E22/G02 F 166,250.00 ZZ 360 166,126.62 1 7.500 1,162.44 95 7.250 1,162.44 CARROLLTON TX 75007 1 07/25/02 04 0414543462 05 09/01/02 30 0414543462 O 08/01/32 0 1 7883829 313/G02 F 144,450.00 ZZ 360 144,134.36 1 7.625 1,022.41 90 7.375 1,022.41 EGG HARBOR TOWN NJ 08234 1 05/20/02 10 0434335667 05 07/01/02 25 8714081 O 06/01/32 0 7883831 313/G02 F 225,000.00 ZZ 360 224,484.94 1 7.500 1,573.24 58 7.250 1,573.24 WEST ROXBURY MA 02132 5 05/16/02 00 0434338844 05 07/01/02 0 8723926 O 06/01/32 0 7883863 313/G02 F 177,600.00 ZZ 360 177,171.38 1 7.125 1,196.53 80 6.875 1,196.53 CORVALLIS OR 97333 5 05/13/02 00 0434338836 03 07/01/02 0 8736175 O 06/01/32 0 7883867 313/G02 F 144,000.00 ZZ 360 143,669.24 1 7.375 994.58 80 7.125 994.58 OAKLAND CA 94619 1 05/20/02 00 0434338885 05 07/01/02 0 8744336 O 06/01/32 0 7883871 313/G02 F 180,700.00 ZZ 360 180,305.13 2 7.625 1,278.99 75 7.375 1,278.99 TAUNTON MA 02780 5 05/24/02 00 0434338752 05 07/01/02 0 8739112 O 06/01/32 0 7883875 313/G02 F 120,000.00 ZZ 360 119,724.35 3 7.375 828.82 68 7.125 828.82 1 FALL RIVER MA 02721 5 05/29/02 00 0434338703 05 07/01/02 0 8739906 O 06/01/32 0 7883877 313/G02 F 220,000.00 ZZ 360 219,482.02 1 7.250 1,500.79 80 7.000 1,500.79 CRANSTON RI 02910 1 06/04/02 00 0434338927 05 07/01/02 0 8763021 O 06/01/32 0 7883883 313/G02 F 229,000.00 ZZ 360 227,081.49 1 7.125 1,542.82 80 6.875 1,542.82 NORCO CA 92860 5 06/13/02 00 0434338570 05 08/01/02 0 8776239 O 07/01/32 0 7883893 313/G02 F 139,500.00 ZZ 360 137,024.72 2 7.500 975.41 88 7.250 975.41 CHICAGO IL 60632 2 06/17/02 01 0434336533 05 08/01/02 25 8793390 O 07/01/32 0 7883901 313/G02 F 195,000.00 ZZ 360 194,427.93 1 7.000 1,297.34 49 6.750 1,297.34 UPLAND CA 91784 5 06/24/02 00 0434332029 05 08/01/02 0 8770547 O 07/01/32 0 7883905 313/G02 F 126,000.00 ZZ 360 125,802.81 3 7.250 859.55 90 7.000 859.55 NEW BEDFORD MA 02746 1 06/27/02 11 0434339057 05 08/01/02 25 8806804 N 07/01/32 0 1 7883909 313/G02 F 32,800.00 ZZ 360 32,748.66 1 7.250 223.76 80 7.000 223.76 BALTIMORE MD 21230 5 06/28/02 00 0434338646 07 08/01/02 0 8794505 N 07/01/32 0 7883919 313/G02 F 225,000.00 ZZ 360 224,647.89 3 7.250 1,534.90 69 7.000 1,534.90 PEABODY MA 01960 5 07/03/02 00 0434335253 05 08/01/02 0 8777377 O 07/01/32 0 7884025 M37/G02 F 97,520.00 ZZ 360 97,442.02 1 7.125 657.01 80 6.875 657.01 CHEYENNE WY 82009 1 07/19/02 00 0434360061 05 09/01/02 0 606677 O 08/01/32 0 7884037 M11/G02 F 128,350.00 ZZ 360 128,247.36 1 7.125 864.72 71 6.875 864.72 MAGNOLIA TX 77355 2 07/01/02 00 0434353827 03 09/01/02 0 1770034 O 08/01/32 0 7884069 X31/G02 F 96,000.00 ZZ 360 95,921.31 1 7.000 638.69 80 6.750 638.69 PALMDALE CA 93550 1 07/10/02 00 0434338091 05 09/01/02 0 40102904 O 08/01/32 0 7884111 E11/G02 F 168,400.00 ZZ 360 168,261.96 1 1 7.000 1,120.37 80 6.750 1,120.37 WOODBURY MN 55125 1 07/19/02 00 0434354783 05 09/01/02 0 0010001044244 O 08/01/32 0 7884183 M66/G02 F 193,500.00 ZZ 360 193,370.16 3 8.000 1,419.84 90 7.750 1,419.84 PATERSON NJ 07503 1 07/16/02 11 0434414348 05 09/01/02 25 93500225 N 08/01/32 0 7884361 944/G02 F 192,000.00 ZZ 360 191,822.16 1 6.375 1,197.84 80 6.125 1,197.84 INDIAN ROCKS BE FL 33785 1 07/25/02 00 0434337630 07 09/01/02 0 W02023785 O 08/01/32 0 7884531 G34/G02 F 407,920.00 ZZ 360 407,232.64 1 6.875 2,679.74 80 6.625 2,679.74 FLOWER MOUND TX 75022 1 06/27/02 00 0434456091 03 08/01/02 0 85204280 O 07/01/32 0 7884655 U05/G02 F 117,000.00 ZZ 360 116,825.80 3 7.500 818.08 90 7.250 818.08 LAKE WORTH FL 33460 1 07/03/02 01 0434349809 05 08/01/02 25 3238426 N 07/01/32 0 7884701 758/G02 F 240,000.00 ZZ 360 239,793.36 1 6.750 1,556.64 80 6.500 1,556.64 HOUSTON TX 77005 1 07/17/02 00 0434342390 05 09/01/02 0 1 1 O 08/01/32 0 7884787 286/286 F 168,000.00 ZZ 360 167,887.27 1 8.000 1,232.73 80 7.750 1,232.73 TUCSON AZ 85704 1 07/12/02 00 1395462 05 09/01/02 0 1395462 O 08/01/32 0 7885215 964/G02 F 209,600.00 ZZ 360 209,436.49 1 7.250 1,429.84 80 7.000 1,429.84 SCOTTSDALE AZ 85258 1 07/01/02 00 0434355376 03 09/01/02 0 203670 O 08/01/32 0 7885233 964/G02 F 182,000.00 ZZ 360 181,850.82 1 7.000 1,210.85 75 6.750 1,210.85 GEORGETOWN CA 95634 5 06/30/02 00 0434355384 05 09/01/02 0 218096 O 08/01/32 0 7885237 964/G02 F 171,750.00 ZZ 360 171,602.12 1 6.750 1,113.97 75 6.500 1,113.97 OAKLAND CA 94610 1 06/27/02 00 0434328100 01 09/01/02 0 219268 O 08/01/32 0 7885241 964/G02 F 120,000.00 ZZ 360 119,901.64 1 7.000 798.36 73 6.750 798.36 PORTLAND OR 97206 2 07/02/02 00 0434328746 05 09/01/02 0 220447 O 08/01/32 0 1 7885243 964/G02 F 195,000.00 ZZ 360 194,646.49 1 6.500 1,232.53 24 6.250 1,232.53 PLEASANTON CA 94566 5 06/20/02 00 0434335113 05 08/01/02 0 220593 O 07/01/32 0 7885247 964/G02 F 140,000.00 ZZ 360 139,752.27 1 6.625 896.44 70 6.375 896.44 BEND OR 97701 5 07/02/02 00 0434335238 05 08/01/02 0 221346 O 07/01/32 0 7885253 964/G02 F 127,200.00 ZZ 360 127,095.73 1 7.000 846.27 80 6.750 846.27 LAS VEGAS NV 89117 1 07/02/02 00 0434329017 03 09/01/02 0 221761 N 08/01/32 0 7885261 964/G02 F 152,000.00 T 360 151,875.41 1 7.000 1,011.26 80 6.750 1,011.26 LA QUINTA CA 92253 1 07/08/02 00 0434353769 03 09/01/02 0 222492 O 08/01/32 0 7885285 964/G02 F 165,800.00 ZZ 360 165,540.54 1 7.250 1,131.05 80 7.000 1,131.05 COOL CA 95614 2 06/25/02 00 0434335303 04 08/01/02 0 224083 O 07/01/32 0 7885291 964/G02 F 247,000.00 ZZ 360 246,787.34 1 6.750 1,602.04 80 6.500 1,602.04 1 WALNUT CA 91789 1 06/28/02 00 0434329108 05 09/01/02 0 224824 O 08/01/32 0 7885297 964/G02 F 250,000.00 ZZ 360 249,779.43 1 6.625 1,600.78 56 6.375 1,600.78 SAN FRANCISCO CA 94124 1 07/05/02 00 0434328324 05 09/01/02 0 226166 O 08/01/32 0 7885305 964/G02 F 230,000.00 ZZ 360 229,806.77 1 6.875 1,510.94 75 6.625 1,510.94 LITTLETON CO 80127 5 07/05/02 00 0434330676 03 09/01/02 0 227094 O 08/01/32 0 7885613 E22/G02 F 46,395.00 ZZ 360 46,363.07 2 7.875 336.40 90 7.625 336.40 KANSAS CITY MO 64126 1 07/26/02 01 0414307678 05 09/01/02 25 0414307678 N 08/01/32 0 7885621 E22/G02 F 156,000.00 ZZ 360 155,872.13 1 7.000 1,037.87 80 6.750 1,037.87 HOUSTON TX 77056 5 07/22/02 00 0414314674 03 09/01/02 0 0414314674 O 08/01/32 0 7885627 E22/G02 F 158,400.00 ZZ 360 158,276.43 1 7.250 1,080.57 90 7.000 1,080.57 EUGENE OR 97405 1 07/19/02 01 0414341792 05 09/01/02 12 0414341792 O 08/01/32 0 1 7885669 E22/G02 F 164,800.00 ZZ 360 164,661.55 1 6.875 1,082.62 80 6.625 1,082.62 CITRUS HEIGHTS CA 95610 1 07/22/02 00 0414392183 05 09/01/02 0 0414392183 O 08/01/32 0 7885675 E22/G02 F 124,300.00 ZZ 360 124,205.42 1 7.375 858.51 55 7.125 858.51 DADE CITY FL 33525 2 07/17/02 00 0414399469 05 09/01/02 0 0414399469 O 08/01/32 0 7885691 E22/G02 F 178,200.00 ZZ 360 178,067.75 1 7.500 1,246.00 90 7.250 1,246.00 NEW BRITAIN CT 06052 5 07/22/02 04 0414405654 05 09/01/02 25 0414405654 O 08/01/32 0 7885695 E22/G02 F 159,500.00 ZZ 360 159,369.26 1 7.000 1,061.16 94 6.750 1,061.16 LOVELAND CO 80538 2 07/22/02 04 0414407049 03 09/01/02 30 0414407049 O 08/01/32 0 7885705 E22/G02 F 191,200.00 ZZ 360 191,043.27 1 7.000 1,272.06 80 6.750 1,272.06 WATERFORD MI 48327 1 07/26/02 00 0414414078 05 09/01/02 0 0414414078 O 08/01/32 0 7885711 E22/G02 F 92,000.00 ZZ 360 91,856.03 1 1 7.250 627.60 80 7.000 627.60 SPRING TX 77373 2 07/22/02 00 0414414847 03 08/01/02 0 0414414847 O 07/01/32 0 7885729 E22/G02 F 251,000.00 ZZ 360 250,783.90 1 6.750 1,627.98 79 6.500 1,627.98 FAIRLAWN NJ 07410 2 07/22/02 00 0414421750 05 09/01/02 0 0414421750 O 08/01/32 0 7885823 E22/G02 F 64,350.00 ZZ 360 64,298.54 1 7.125 433.54 90 6.875 433.54 DAYTON OH 45449 1 07/26/02 11 0414486456 05 09/01/02 25 0414486456 N 08/01/32 0 7885829 E22/G02 F 180,000.00 ZZ 360 179,859.58 1 7.250 1,227.92 90 7.000 1,227.92 AUSTIN TX 78749 1 07/26/02 01 0414492454 03 09/01/02 25 0414492454 O 08/01/32 0 7885831 E22/G02 F 83,150.00 ZZ 360 83,036.73 1 7.375 574.30 95 7.125 574.30 KEANSBURG NJ 07734 1 07/26/02 01 0414494658 09 09/01/02 30 0414494658 O 08/01/32 0 7885839 E22/G02 F 181,900.00 ZZ 360 181,657.39 1 7.875 1,318.90 85 7.625 1,318.90 MANTECA CA 95336 5 07/18/02 01 0414498337 05 09/01/02 12 1 0414498337 O 08/01/32 0 7885855 E22/G02 F 158,500.00 ZZ 360 158,376.35 1 7.250 1,081.25 90 7.000 1,081.25 ANTELOPE CA 95843 1 07/23/02 01 0414517482 05 09/01/02 30 0414517482 O 08/01/32 0 7885871 E22/G02 F 90,000.00 ZZ 360 89,924.39 1 6.875 591.24 69 6.625 591.24 VENICE FL 34292 1 07/26/02 00 0414538306 01 09/01/02 0 0414538306 O 08/01/32 0 7885879 E22/G02 F 50,400.00 ZZ 360 50,358.69 1 7.000 335.31 80 6.750 335.31 BRIDGEPORT TX 76426 1 07/26/02 00 0414554014 05 09/01/02 0 0414554014 N 08/01/32 0 7885957 E82/G02 F 137,500.00 ZZ 360 137,390.05 1 7.125 926.36 64 6.875 926.36 FREEPORT NY 11520 2 07/22/02 00 0400644522 01 09/01/02 0 0400644522 O 08/01/32 0 7885981 E82/G02 F 255,000.00 ZZ 360 254,780.45 1 6.750 1,653.93 60 6.500 1,653.93 ARLINGTON VA 22202 2 07/19/02 00 0400649182 05 09/01/02 0 0400649182 O 08/01/32 0 1 7885991 E82/G02 F 55,300.00 T 360 55,256.86 1 7.250 377.24 48 7.000 377.24 NEW ORLEANS LA 70112 2 07/27/02 00 0400660858 01 09/01/02 0 1937105 O 08/01/32 0 7886577 822/G02 F 287,910.00 ZZ 360 287,668.11 4 6.875 1,891.37 90 6.625 1,891.37 HOLLISTON MA 01746 1 07/11/02 10 0434342697 05 09/01/02 25 3446028005 N 08/01/32 0 7886579 W39/G02 F 120,000.00 ZZ 360 119,915.30 1 7.750 859.70 80 7.500 859.70 BASTROP TX 78602 2 07/19/02 00 0434350815 05 09/01/02 0 PNI20574 N 08/01/32 0 7886617 N47/G02 F 261,000.00 ZZ 360 260,775.29 1 6.750 1,692.84 55 6.500 1,692.84 SAN RAMON CA 94583 2 07/15/02 00 0434351490 05 09/01/02 0 20120716 O 08/01/32 0 7886701 P27/G02 F 216,000.00 ZZ 360 215,818.53 1 6.875 1,418.97 90 6.625 1,418.97 PENSACOLA FL 32507 2 07/12/02 01 0434341160 05 09/01/02 25 2102420588 O 08/01/32 0 7886747 X82/G02 F 135,000.00 ZZ 360 134,813.59 2 7.875 978.84 90 7.625 978.84 1 WINCHESTER VA 22601 1 06/07/02 12 0434376133 05 08/01/02 25 828950 N 07/01/32 0 7886831 L20/G02 F 91,600.00 ZZ 360 91,523.04 1 6.875 601.75 80 6.625 601.75 BOISE ID 83704 1 07/23/02 00 0434342473 05 09/01/02 0 707357 O 08/01/32 0 7886901 S54/G02 F 134,000.00 ZZ 360 133,898.03 1 7.375 925.51 79 7.125 925.51 MT ORAB OH 45154 5 07/23/02 00 0434352993 05 09/01/02 0 7012538 O 08/01/32 0 7887181 E86/G02 F 230,000.00 ZZ 360 229,824.99 1 7.375 1,588.55 72 7.125 1,588.55 BROOKLYN NY 11210 5 06/28/02 00 0434341129 05 09/01/02 0 0000204110 O 08/01/32 0 7887197 E86/G02 F 237,500.00 ZZ 360 237,305.33 1 7.000 1,580.09 78 6.750 1,580.09 SILVER SPRING MD 20904 2 07/15/02 00 0434341657 03 09/01/02 0 0000207759 O 08/01/32 0 7887237 S11/G02 F 243,700.00 ZZ 360 243,509.89 1 7.250 1,662.46 75 7.000 1,662.46 IRVINE CA 92620 2 07/08/02 00 0434353082 01 09/01/02 0 10208211 O 08/01/32 0 1 7887243 950/G02 F 132,000.00 ZZ 360 131,897.03 1 7.250 900.47 80 7.000 900.47 TACOMA WA 98407 1 07/05/02 00 0434342952 05 09/01/02 0 EW206285 N 08/01/32 0 7887297 M27/G02 F 211,000.00 ZZ 360 210,818.34 1 6.750 1,368.54 80 6.500 1,368.54 WILMINGTON NC 28411 2 07/24/02 00 0434352639 05 09/01/02 0 600789985 O 08/01/32 0 7887357 U05/G02 F 147,900.00 ZZ 360 147,668.55 1 7.250 1,008.94 80 7.000 1,008.94 MCHENRY IL 60050 1 06/24/02 00 0434451761 05 08/01/02 0 3239459 O 07/01/32 0 7887373 U05/G02 F 177,200.00 ZZ 360 176,922.69 1 7.250 1,208.82 71 7.000 1,208.82 PLANO TX 75025 5 06/26/02 00 0434453569 03 08/01/02 0 3237036 O 07/01/32 0 7887431 U05/G02 F 135,100.00 ZZ 360 134,989.26 1 7.000 898.82 80 6.750 898.82 PORTLAND OR 97215 1 07/02/02 00 0434344586 05 09/01/02 0 3235992 N 08/01/32 0 7887453 U28/G02 F 93,000.00 ZZ 360 92,919.93 1 1 6.750 603.20 35 6.500 603.20 MARIETTA GA 30068 5 07/24/02 00 0434353108 05 09/01/02 0 2000003865 O 08/01/32 0 7887547 B49/G02 F 196,000.00 ZZ 360 195,839.33 1 7.000 1,304.00 80 6.750 1,304.00 LONGMONT CO 80503 5 07/19/02 00 0434345633 05 09/01/02 0 00251831202 O 08/01/32 0 7888245 J95/G02 F 135,000.00 ZZ 360 134,772.53 1 6.875 886.85 42 6.625 886.85 BLACKSTONE MA 01504 1 06/27/02 00 0434340907 05 08/01/02 0 0029183878 O 07/01/32 0 7888261 J95/G02 F 204,800.00 ZZ 360 204,627.93 1 6.875 1,345.40 80 6.625 1,345.40 GREENSBORO NC 27410 1 07/19/02 00 0434341392 05 09/01/02 0 0029269545 O 08/01/32 0 7888387 E22/G02 F 138,000.00 ZZ 360 137,884.07 1 6.875 906.56 90 6.625 906.56 KALISPELL MT 59901 1 07/29/02 01 0414194993 05 09/01/02 30 0414194993 O 08/01/32 0 7888407 E22/G02 F 141,000.00 ZZ 360 140,878.57 1 7.000 938.08 75 6.750 938.08 AURORA CO 80011 2 07/24/02 00 0414269829 05 09/01/02 0 1 0414269829 O 08/01/32 0 7888489 E22/G02 F 89,000.00 ZZ 360 88,932.28 1 7.375 614.70 76 7.125 614.70 SANTA FE NM 87505 1 07/29/02 00 0414402586 29 09/01/02 0 0414402586 N 08/01/32 0 7888501 E22/G02 F 126,400.00 ZZ 360 126,306.19 1 7.500 883.81 80 7.250 883.81 GREENWOOD IN 46142 5 07/24/02 00 0414417816 05 09/01/02 0 0414417816 O 08/01/32 0 7888523 E22/G02 F 152,950.00 ZZ 360 152,821.51 1 6.875 1,004.77 80 6.625 1,004.77 SILVER SPRING MD 20906 1 07/29/00 00 0414429076 05 09/01/02 0 0414429076 O 08/01/32 0 7888567 E22/G02 F 139,500.00 ZZ 360 139,391.17 4 7.250 951.64 90 7.000 951.64 RIO RANCHO NM 87124 1 07/24/02 04 0414440560 05 09/01/02 25 0414440560 N 08/01/32 0 7888573 E22/G02 F 137,455.00 ZZ 360 137,333.73 1 6.625 880.14 95 6.375 880.14 MIRAMAR FL 33027 1 07/29/02 04 0414441964 01 09/01/02 30 0414441964 O 08/01/32 0 1 7888601 E22/G02 F 241,000.00 ZZ 360 240,792.51 1 6.750 1,563.12 75 6.500 1,563.12 OAKLAND CA 94619 5 07/17/02 00 0414457846 05 09/01/02 0 0414457846 O 08/01/32 0 7888625 E22/G02 F 126,000.00 ZZ 360 125,913.29 1 7.875 913.59 84 7.625 913.59 ORLANDO FL 32817 5 07/24/02 01 0414481846 05 09/01/02 12 0414481846 O 08/01/32 0 7888639 E22/G02 F 75,500.00 ZZ 360 75,436.57 1 6.875 495.98 54 6.625 495.98 GRAND JUNCTION CO 81501 5 07/23/02 00 0414489849 05 09/01/02 0 0414489849 O 08/01/32 0 7888661 E22/G02 F 123,300.00 ZZ 360 123,203.82 1 7.250 841.12 90 7.000 841.12 MI WUK VILLAGE CA 95346 5 07/19/02 01 0414504027 05 09/01/02 25 0414504027 O 08/01/32 0 7888673 E22/G02 F 177,300.00 ZZ 360 177,171.67 1 7.625 1,254.92 90 7.375 1,254.92 PLANO TX 75093 1 07/29/02 10 0414506618 05 09/01/02 25 0414506618 O 08/01/32 0 7888679 E22/G02 F 185,250.00 ZZ 360 185,101.86 1 7.125 1,248.06 95 6.875 1,248.06 1 CAROL STREAM IL 60188 5 07/24/02 11 0414511543 05 09/01/02 30 0414511543 O 08/01/32 0 7888687 E22/G02 F 186,000.00 ZZ 360 185,843.74 1 6.875 1,221.89 75 6.625 1,221.89 HIGHLANDS RANCH CO 80129 5 07/24/02 00 0414516179 03 09/01/02 0 0414516179 O 08/01/32 0 7888711 E22/G02 F 149,600.00 ZZ 360 149,474.31 1 6.875 982.77 80 6.625 982.77 ALEXANDRIA VA 22307 1 07/30/02 00 0414543256 01 09/01/02 0 0414543256 O 08/01/32 0 7888751 E82/G02 F 93,900.00 ZZ 360 93,819.16 1 6.750 609.03 55 6.500 609.03 BREMERTON WA 98311 2 07/23/02 00 0400654471 05 09/01/02 0 1978826 O 08/01/32 0 7888757 E82/G02 F 97,000.00 ZZ 360 96,916.49 1 6.750 629.14 78 6.500 629.14 TURLOCK CA 95380 2 07/26/02 00 0400664009 05 09/01/02 0 4087495 O 08/01/32 0 7888773 E82/G02 F 149,000.00 ZZ 360 148,883.77 1 7.250 1,016.44 80 7.000 1,016.44 MARTINSVILLE IN 46151 2 07/26/02 00 0400639654 05 09/01/02 0 5211240 O 08/01/32 0 1 7888779 E82/G02 F 98,000.00 ZZ 360 97,919.67 1 7.000 652.00 64 6.750 652.00 DOVER DE 19901 2 07/24/02 00 0400662573 05 09/01/02 0 3085362 O 08/01/32 0 7888785 E82/G02 F 166,200.00 ZZ 360 166,056.91 1 6.750 1,077.97 70 6.500 1,077.97 DINGMANS FERRY PA 18328 2 07/23/02 00 0400636593 05 09/01/02 0 0400636593 O 08/01/32 0 7888793 E82/G02 F 160,000.00 ZZ 360 159,868.85 1 7.000 1,064.48 59 6.750 1,064.48 MALAD CITY ID 83252 2 07/22/02 00 0400647533 05 09/01/02 0 0400647533 O 08/01/32 0 7888797 E82/G02 F 125,600.00 ZZ 360 125,509.09 1 7.625 888.99 79 7.375 888.99 LAKE MARY FL 32746 1 07/29/02 00 0400660015 05 09/01/02 0 0400660015 N 08/01/32 0 7888801 E82/G02 F 203,000.00 ZZ 360 202,833.61 1 7.000 1,350.56 73 6.750 1,350.56 NEW ORLEANS LA 70124 2 07/24/00 00 0400641270 05 09/01/02 0 0400641270 O 08/01/32 0 7888829 E82/G02 F 140,300.00 ZZ 360 140,190.56 1 1 7.250 957.09 73 7.000 957.09 LAKE OSWEGO OR 97034 5 07/26/02 00 0400655403 03 09/01/02 0 0400655403 O 08/01/32 0 7888833 E82/G02 F 137,600.00 ZZ 360 137,487.21 1 7.000 915.46 56 6.750 915.46 DECATUR GA 30033 2 07/22/02 00 0400650552 01 09/01/02 0 0400650552 O 08/01/32 0 7888851 E82/G02 F 171,900.00 ZZ 360 171,759.10 1 7.000 1,143.65 64 6.750 1,143.65 DEERFIELD IL 60015 2 07/26/02 00 0400669057 05 09/01/02 0 4824110 O 08/01/32 0 7888871 E82/G02 F 164,300.00 ZZ 360 164,158.54 1 6.750 1,065.65 71 6.500 1,065.65 APEX NC 27502 2 07/25/02 00 0400669776 05 09/01/02 0 1711250 O 08/01/32 0 7888905 E82/G02 F 114,000.00 ZZ 360 113,919.54 1 7.750 816.71 94 7.500 816.71 LITHONIA GA 30058 5 07/26/02 04 0400655171 05 09/01/02 30 0400655171 O 08/01/32 0 7888927 E82/G02 F 122,100.00 ZZ 360 121,997.42 1 6.875 802.11 78 6.625 802.11 CARPENTERSVILLE IL 60110 2 07/26/02 00 0400665360 05 09/01/02 0 1 3166690 O 08/01/32 0 7888931 E82/G02 F 160,900.00 ZZ 360 160,764.82 1 6.875 1,057.00 72 6.625 1,057.00 SHREVEPORT LA 71106 2 07/26/02 00 0400657433 05 09/01/02 0 1823911 O 08/01/32 0 7888937 E82/G02 F 103,000.00 ZZ 360 102,913.46 1 6.875 676.64 59 6.625 676.64 WEST LAFAYETTE IN 47906 2 07/26/02 00 0400663829 05 09/01/02 0 0400663829 O 08/01/32 0 7888955 E82/G02 F 92,650.00 ZZ 360 92,577.72 1 7.250 632.04 50 7.000 632.04 BRECKENRIDGE CO 80424 2 07/24/02 00 0400653226 01 09/01/02 0 1513256 N 08/01/32 0 7888963 E82/G02 F 225,000.00 ZZ 360 224,824.48 1 7.250 1,534.90 57 7.000 1,534.90 OCEAN TOWNSHIP NJ 07711 5 07/22/02 00 0400652558 05 09/01/02 0 0400652558 O 08/01/32 0 7888967 E82/G02 F 101,000.00 ZZ 360 100,913.05 1 6.750 655.08 54 6.500 655.08 WEST COVINA CA 91792 2 07/26/02 00 0400665659 05 09/01/02 0 1928598 O 08/01/32 0 1 7888983 E82/G02 F 160,000.00 ZZ 360 159,865.58 1 6.875 1,051.09 77 6.625 1,051.09 DOUGLASVILLE GA 30134 2 07/26/02 00 0400656328 05 09/01/02 0 0400656328 O 08/01/32 0 7889027 E82/G02 F 94,700.00 ZZ 360 94,622.38 1 7.000 630.04 62 6.750 630.04 COLORADO SPRING CO 80918 2 07/18/02 00 0400647491 03 09/01/02 0 1607142 N 08/01/32 0 7889041 E82/G02 F 93,300.00 ZZ 360 93,146.52 1 7.000 620.73 66 6.750 620.73 GREENSBORO NC 27406 2 07/25/02 00 0400658183 05 09/01/02 0 1884679 O 08/01/32 0 7889611 P67/G02 F 240,000.00 ZZ 360 239,800.00 3 7.000 1,596.73 80 6.750 1,596.73 CLINTON MA 01510 5 07/22/02 00 0434355236 05 09/01/02 0 B52 O 08/01/32 0 7889613 L76/G02 F 130,000.00 ZZ 360 129,882.48 1 6.500 821.69 90 6.250 821.69 FARIBAULT MN 55021 5 07/24/02 11 0434348348 05 09/01/02 25 9506948 O 08/01/32 0 7889615 L76/G02 F 98,350.00 ZZ 360 98,265.32 1 6.750 637.90 80 6.500 637.90 1 KANSAS CITY MO 64137 5 07/24/02 00 0434349221 05 09/01/02 0 9506799 O 08/01/32 0 7889693 998/998 F 119,200.00 ZZ 360 118,763.12 1 7.625 843.69 80 7.375 843.69 VERNON MI 48476 1 03/25/02 00 3844377 05 05/01/02 0 3844377 O 04/01/32 0 7889697 998/998 F 130,500.00 ZZ 360 130,305.71 1 7.500 912.47 90 7.250 912.47 ROME NY 13440 5 06/14/02 11 4699043 05 08/01/02 25 4699043 O 07/01/32 0 7889703 998/998 F 100,170.00 ZZ 360 100,024.54 3 7.625 709.00 90 7.375 709.00 NEWBURGH NY 12550 1 06/17/02 10 4769397 05 08/01/02 25 4769397 O 07/01/32 0 7889707 998/998 F 197,600.00 ZZ 360 197,298.37 1 7.375 1,364.77 80 7.125 1,364.77 DES PLAINES IL 60018 1 06/07/02 00 4861123 05 08/01/02 0 4861123 O 07/01/32 0 7889711 998/998 F 166,950.00 ZZ 360 166,707.57 4 7.625 1,181.66 90 7.375 1,181.66 PHILADELPHIA PA 19147 1 06/20/02 11 4945787 05 08/01/02 25 4945787 N 07/01/32 0 1 7889713 998/998 F 166,950.00 ZZ 360 166,707.57 4 7.625 1,181.66 90 7.375 1,181.66 PHILADELPHIA PA 19147 1 06/20/02 10 4945807 05 08/01/02 25 4945807 N 07/01/32 0 7889715 998/998 F 170,010.00 ZZ 360 169,763.12 4 7.625 1,203.32 90 7.375 1,203.32 PHILADELPHIA PA 19147 1 06/20/02 10 4945817 05 08/01/02 25 4945817 N 07/01/32 0 7889891 P01/G02 F 94,500.00 ZZ 360 94,426.28 2 7.250 644.66 90 7.000 644.66 WALDEN NY 12586 1 07/18/02 04 0434346391 05 09/01/02 25 02001721 N 08/01/32 0 7889895 883/G02 F 192,800.00 ZZ 360 192,634.00 1 6.750 1,250.50 80 6.500 1,250.50 WEST CAPE CORAL FL 33993 4 07/24/02 00 0434346433 05 09/01/02 0 05012824 O 08/01/32 0 7889933 A52/G02 F 160,245.00 ZZ 360 160,129.02 1 7.625 1,134.20 90 7.375 1,134.20 MARIETTA GA 30064 5 07/25/02 11 0434339917 03 09/01/02 30 19862 O 08/01/32 0 7889973 W30/G02 F 336,000.00 ZZ 360 335,731.31 3 1 7.125 2,263.69 80 6.875 2,263.69 QUINCY MA 02169 5 07/12/02 00 0434446209 05 09/01/02 0 02070073 O 08/01/32 0 7889977 A52/G02 F 92,000.00 ZZ 360 91,702.09 1 6.500 581.50 77 6.250 581.50 LITHONIA GA 30058 2 07/23/02 00 0434340980 05 09/01/02 0 19508 O 08/01/32 0 7890253 M27/G02 F 130,500.00 ZZ 360 130,403.16 1 7.500 912.47 90 7.250 912.47 MT. JULIET TN 37122 1 07/22/02 01 0434362141 05 09/01/02 25 5000112004 O 08/01/32 0 7890331 J40/G02 F 179,200.00 ZZ 360 179,060.21 1 7.250 1,222.46 80 7.000 1,222.46 RINCON GA 31326 5 06/28/02 00 0434343075 05 09/01/02 0 7748364 O 08/01/32 0 7890411 X08/G02 F 181,600.00 ZZ 360 181,447.44 1 6.875 1,192.98 80 6.625 1,192.98 SALT LAKE CITY UT 84109 1 07/12/02 00 0434354114 05 09/01/02 0 6010113 O 08/01/32 0 7890451 783/G02 F 119,700.00 ZZ 360 119,596.93 1 6.750 776.38 90 6.500 776.38 ELLENSBURG WA 98926 1 07/24/02 12 0434355087 05 09/01/02 25 1 9429990070 O 08/01/32 0 7890497 N47/G02 F 168,000.00 ZZ 360 167,844.40 1 6.375 1,048.10 80 6.125 1,048.10 ROSEVILLE CA 95678 1 07/19/02 00 0434342606 05 09/01/02 0 20221048 O 08/01/32 0 7890577 N47/G02 F 124,000.00 ZZ 360 123,900.84 1 7.125 835.41 80 6.875 835.41 CHICO CA 95926 1 07/18/02 00 0434342861 05 09/01/02 0 20120697 N 08/01/32 0 7891023 N74/G02 F 166,400.00 ZZ 360 166,260.20 1 6.875 1,093.13 80 6.625 1,093.13 SPRING TX 77379 5 07/26/02 00 0434349874 03 09/01/02 0 0030503010 O 08/01/32 0 7891615 X67/G02 F 166,500.00 ZZ 360 166,376.44 2 7.500 1,164.19 90 7.250 1,164.19 AMHERST NH 03031 1 07/15/02 11 0434361630 07 09/01/02 25 00240695 N 08/01/32 0 7891653 G34/G02 F 155,000.00 ZZ 360 154,879.09 1 7.250 1,057.37 80 7.000 1,057.37 KRUM TX 76249 1 07/18/02 00 0434357117 05 09/01/02 0 85204385 O 08/01/32 0 1 7891811 K31/G02 F 117,600.00 ZZ 360 117,517.00 2 7.750 842.50 70 7.500 842.50 LILBURN GA 30047 5 07/22/02 00 0434347118 05 09/01/02 0 601435 N 08/01/32 0 7892135 E22/G02 F 209,000.00 ZZ 360 208,824.42 1 6.875 1,372.98 95 6.625 1,372.98 GARDENA CA 90247 1 07/21/02 04 0414281709 05 09/01/02 30 0414281709 O 08/01/32 0 7892143 E22/G02 F 178,500.00 ZZ 360 178,353.69 1 7.000 1,187.56 86 6.750 1,187.56 MIAMI FL 33196 1 07/30/02 01 0414304675 05 09/01/02 12 0414304675 O 08/01/32 0 7892151 E22/G02 F 120,000.00 ZZ 360 119,888.86 1 6.375 748.64 73 6.125 748.64 OTIS CO 80743 2 07/25/02 00 0414310292 05 09/01/02 0 0414310292 O 08/01/32 0 7892159 E22/G02 F 123,400.00 ZZ 360 123,298.85 1 7.000 820.98 85 6.750 820.98 DAVISON MI 48423 1 07/30/02 01 0414334367 05 09/01/02 12 0414334367 O 08/01/32 0 7892167 E22/G02 F 70,400.00 ZZ 360 70,305.21 1 8.000 516.57 80 7.750 516.57 1 HOMESTEAD FL 33033 1 06/27/02 00 0414344697 09 08/01/02 0 0414344697 N 07/01/32 0 7892215 E22/G02 F 215,200.00 ZZ 360 215,040.29 3 7.500 1,504.71 79 7.250 1,504.71 HUNTINGTON PARK CA 90255 2 07/23/02 00 0414394981 05 09/01/02 0 0414394981 O 08/01/32 0 7892223 E22/G02 F 83,600.00 ZZ 360 83,531.48 1 7.000 556.19 80 6.750 556.19 DURANGO CO 81301 1 07/30/02 00 0414398578 01 09/01/02 0 0414398578 N 08/01/32 0 7892261 E22/G02 F 124,000.00 ZZ 360 123,907.97 1 7.500 867.03 72 7.250 867.03 COLORADO SPRING CO 80911 5 07/25/02 00 0414428797 05 09/01/02 0 0414428797 O 08/01/32 0 7892275 E22/G02 F 162,000.00 ZZ 360 161,860.52 1 6.750 1,050.73 63 6.500 1,050.73 PARADISE CA 95969 2 07/16/02 00 0414434373 05 09/01/02 0 0414434373 O 08/01/32 0 7892297 E22/G02 F 162,000.00 ZZ 360 161,876.73 2 7.375 1,118.89 90 7.125 1,118.89 MCHENRY IL 60050 1 07/29/02 11 0414449124 05 09/01/02 25 0414449124 N 08/01/32 0 1 7892349 E22/G02 F 153,600.00 ZZ 360 153,467.75 1 6.750 996.25 80 6.500 996.25 TUCSON AZ 85704 5 07/24/02 00 0414475137 05 09/01/02 0 0414475137 O 08/01/32 0 7892351 E22/G02 F 208,800.00 ZZ 360 208,641.12 1 7.375 1,442.13 80 7.125 1,442.13 ESTACADA OR 97203 2 07/24/02 00 0414475384 05 09/01/02 0 0414475384 O 08/01/32 0 7892383 E22/G02 F 68,000.00 ZZ 360 67,946.95 1 7.250 463.88 80 7.000 463.88 VERO BEACH FL 32962 1 07/30/02 00 0414489328 05 09/01/02 0 0414489328 N 08/01/32 0 7892387 E22/G02 F 153,000.00 ZZ 360 152,865.01 1 6.625 979.68 63 6.375 979.68 BOISE ID 83709 1 07/26/02 00 0414491837 03 09/01/02 0 0414491837 O 08/01/32 0 7892395 E22/G02 F 156,700.00 ZZ 360 156,580.76 1 7.375 1,082.29 95 7.125 1,082.29 RANCHO CUCAMONG CA 91701 5 07/25/02 11 0414494898 09 09/01/02 30 0414494898 O 08/01/32 0 7892405 E22/G02 F 173,472.00 E 360 173,336.68 1 1 7.250 1,183.38 80 7.000 1,183.38 VERO BEACH FL 32962 1 07/30/02 00 0414498022 03 09/01/02 0 0414498022 N 08/01/32 0 7892423 E22/G02 F 161,200.00 E 360 161,074.25 1 7.250 1,099.67 80 7.000 1,099.67 VERO BEACH FL 32962 1 07/30/02 00 0414506865 03 09/01/02 0 0414506865 N 08/01/32 0 7892433 E22/G02 F 186,500.00 ZZ 360 186,347.13 1 7.000 1,240.79 75 6.750 1,240.79 LANSING MI 48906 2 07/25/02 00 0414508077 05 09/01/02 0 0414508077 O 08/01/32 0 7892463 E22/G02 F 115,110.00 ZZ 360 115,020.21 1 7.250 785.25 90 7.000 785.25 BRANDON FL 33511 1 07/30/02 01 0414535773 03 09/01/02 25 0414535773 N 08/01/32 0 7892465 E22/G02 F 103,920.00 ZZ 360 103,834.82 1 7.000 691.38 80 6.750 691.38 EUGENE OR 97404 1 07/24/02 00 0414537688 05 09/01/02 0 0414537688 N 08/01/32 0 7892473 E22/G02 F 180,000.00 ZZ 360 179,866.41 1 7.500 1,258.59 80 7.250 1,258.59 FRISCO TX 75035 5 07/25/02 00 0414541771 03 09/01/02 0 1 0414541771 O 08/01/32 0 7892503 E22/G02 F 62,400.00 ZZ 360 62,319.15 1 7.750 447.04 80 7.500 447.04 DENVER CO 80231 1 07/30/02 00 0414565036 01 09/01/02 0 0414565036 N 08/01/32 0 7892509 E22/G02 F 168,000.00 ZZ 360 167,844.40 2 6.375 1,048.10 80 6.125 1,048.10 EUGENE OR 97408 1 07/25/02 00 0414591917 05 09/01/02 0 0414591917 N 08/01/32 0 7892533 E82/G02 F 67,000.00 ZZ 360 66,947.73 1 7.250 457.06 60 7.000 457.06 JONESBORO GA 30238 2 07/29/02 00 0400666434 05 09/01/02 0 1603126 N 08/01/32 0 7892635 X05/G02 F 312,000.00 ZZ 360 311,768.45 3 7.500 2,181.55 80 7.250 2,181.55 NATIONAL CITY CA 91950 1 07/19/02 00 0434461455 05 09/01/02 0 01207096 N 08/01/32 0 7892701 U05/G02 F 130,400.00 ZZ 360 130,205.84 1 7.500 911.78 80 7.250 911.78 THE WOODLANDS TX 77381 2 06/27/02 00 0434352225 03 08/01/02 0 3239901 O 07/01/32 0 1 7892703 952/G02 F 216,400.00 ZZ 360 216,222.62 1 7.000 1,439.71 79 6.750 1,439.71 VALRICO FL 33594 1 07/26/02 00 0434344651 03 09/01/02 0 20027839 O 08/01/32 0 7892821 737/G02 F 112,500.00 ZZ 360 112,420.60 1 7.750 805.96 71 7.500 805.96 ATLANTA GA 30337 5 07/25/02 00 0434340451 05 09/01/02 0 2072299 N 08/01/32 0 7892837 E86/G02 F 170,000.00 ZZ 360 169,791.67 1 7.000 1,131.01 46 6.750 1,131.01 AUBURN NH 03032 1 07/23/02 00 0434358669 05 09/01/02 0 0000203242 O 08/01/32 0 7892913 696/G02 F 160,000.00 ZZ 360 159,868.85 1 7.000 1,064.48 31 6.750 1,064.48 VIENNA VA 22182 2 07/26/02 00 0434343646 03 09/01/02 0 30102094 O 08/01/32 0 7893093 642/G02 F 91,949.00 ZZ 360 91,875.47 1 7.125 619.48 80 6.875 619.48 TAMARAC FL 33321 2 07/25/02 00 0434366357 05 09/01/02 0 07102402 O 08/01/32 0 7893181 P44/G02 F 186,400.00 ZZ 360 186,243.40 1 6.875 1,224.52 80 6.625 1,224.52 1 BROCKTON MA 02301 5 07/26/02 00 0434347373 05 09/01/02 0 1 O 08/01/32 0 7893259 E76/G02 F 189,900.00 ZZ 360 189,732.46 1 6.625 1,215.95 80 6.375 1,215.95 LITTLETON CO 80127 1 07/29/02 00 0434353074 05 09/01/02 0 10015285 O 08/01/32 0 7893539 B57/G02 F 89,000.00 ZZ 360 88,938.75 4 7.875 645.31 81 7.625 645.31 BUCKEYE AZ 85326 2 07/23/02 14 0434367280 05 09/01/02 12 20000448 N 08/01/32 0 7893615 T44/G02 F 89,010.00 ZZ 360 88,943.94 1 7.500 622.37 90 7.250 622.37 PAHRUMP NV 89048 1 07/17/02 04 0434393369 05 09/01/02 25 1047718 O 08/01/32 0 7893851 K15/G02 F 120,000.00 ZZ 360 119,910.94 1 7.500 839.06 80 7.250 839.06 AURORA OH 44202 5 07/22/02 00 0434343430 05 09/01/02 0 028605500463 N 08/01/32 0 7893937 N47/G02 F 168,450.00 ZZ 360 168,311.92 1 7.000 1,120.70 85 6.750 1,120.70 CANTON GA 30114 1 07/18/02 12 0434355657 05 09/01/02 25 40121123 O 08/01/32 0 1 7894095 K15/G02 F 94,500.00 ZZ 360 94,433.30 1 7.750 677.01 90 7.500 677.01 ALBION MI 49224 5 07/26/02 11 0434342440 05 09/01/02 25 036305306924 O 08/01/32 0 7894115 K15/G02 F 115,900.00 ZZ 360 115,818.20 2 7.750 830.32 95 7.500 830.32 CHICOPEE MA 01013 5 07/26/02 11 0434403226 05 09/01/02 30 037805315866 O 08/01/32 0 7895323 B76/G02 F 96,200.00 ZZ 360 96,132.10 3 7.750 689.19 90 7.500 689.19 LANSING MI 48910 1 07/23/02 10 0434369849 05 09/01/02 25 0004487971 N 08/01/32 0 7895691 E11/G02 F 131,550.00 ZZ 360 131,449.90 1 7.375 908.58 80 7.125 908.58 PLYMOUTH MN 55446 1 07/26/02 00 0434394441 01 09/01/02 0 000200146105 N 08/01/32 0 7895773 M66/G02 F 213,300.00 ZZ 360 213,153.20 1 7.875 1,546.58 90 7.625 1,546.58 EVESHAM TOWNSHI NJ 08053 1 07/08/02 11 0434357901 05 09/01/02 25 1022000527 O 08/01/32 0 7897557 E22/G02 F 137,750.00 ZZ 360 137,639.84 1 1 7.125 928.05 95 6.875 928.05 HUNTERSVILLE NC 28078 2 07/26/00 10 0414064519 01 09/01/02 30 0414064519 O 08/01/32 0 7897571 E22/G02 F 120,000.00 ZZ 360 119,904.04 1 7.125 808.46 58 6.875 808.46 MIRAMAR FL 33027 1 07/31/02 00 0414183715 03 09/01/02 0 0414183715 O 08/01/32 0 7897585 E22/G02 F 60,000.00 ZZ 360 59,952.02 1 7.125 404.23 32 6.875 404.23 WHITTIER NC 28789 5 07/26/02 00 0414217018 05 09/01/02 0 0414217018 O 08/01/32 0 7897621 E22/G02 F 165,000.00 ZZ 360 164,874.45 1 7.375 1,139.61 76 7.125 1,139.61 MCKINNEY TX 75071 5 07/25/02 00 0414302760 05 09/01/02 0 0414302760 O 08/01/32 0 7897647 E22/G02 F 161,910.00 ZZ 360 161,795.73 1 7.750 1,159.94 90 7.500 1,159.94 DAYTON OH 45427 1 07/31/02 04 0414332627 05 09/01/02 30 0414332627 O 08/01/32 0 7897653 E22/G02 F 119,900.00 ZZ 360 119,817.48 1 7.875 869.36 80 7.625 869.36 LIBERTY KY 42539 5 07/26/02 00 0414339192 05 09/01/02 0 1 0414339192 O 08/01/32 0 7897655 E22/G02 F 120,600.00 ZZ 360 120,517.01 4 7.875 874.43 90 7.625 874.43 GRETNA LA 70056 1 07/31/02 01 0414339317 05 09/01/02 25 0414339317 N 08/01/32 0 7897683 E22/G02 F 170,000.00 ZZ 360 169,876.96 1 7.625 1,203.25 85 7.375 1,203.25 ORLANDO FL 32812 5 07/26/02 01 0414370858 05 09/01/02 12 0414370858 O 08/01/32 0 7897689 E22/G02 F 130,160.00 ZZ 360 130,045.16 1 6.625 833.43 80 6.375 833.43 FRISCO TX 75035 1 07/31/02 00 0414374231 03 09/01/02 0 0414374231 O 08/01/32 0 7897731 E22/G02 F 224,000.00 ZZ 360 223,811.81 1 6.875 1,471.52 80 6.625 1,471.52 LAKEWOOD CA 90712 5 07/26/02 00 0414404350 05 09/01/02 0 0414404350 O 08/01/32 0 7897733 E22/G02 F 59,200.00 ZZ 360 59,151.47 1 7.000 393.86 80 6.750 393.86 MILLVILLE NJ 08332 1 07/31/02 00 0414404871 05 09/01/02 0 0414404871 O 08/01/32 0 1 7897749 E22/G02 F 163,200.00 ZZ 360 163,062.89 1 6.875 1,072.11 80 6.625 1,072.11 SALT LAKE CITY UT 84108 5 07/16/02 00 0414416222 05 09/01/02 0 0414416222 O 08/01/32 0 7897771 E22/G02 F 96,000.00 ZZ 360 95,925.11 1 7.250 654.89 80 7.000 654.89 MIAMI FL 33175 1 07/31/02 00 0414427328 01 09/01/02 0 0414427328 O 08/01/32 0 7897787 E22/G02 F 209,600.00 ZZ 360 209,432.39 1 7.125 1,412.11 80 6.875 1,412.11 DISCOVERY BAY CA 94514 1 07/13/02 00 0414435925 05 09/01/02 0 0414435925 N 08/01/32 0 7897845 E22/G02 F 109,250.00 ZZ 360 109,172.89 1 7.750 782.68 94 7.500 782.68 IRONDALE AL 35210 5 07/26/02 10 0414452763 05 09/01/02 30 0414452763 O 08/01/32 0 7897865 E22/G02 F 221,250.00 ZZ 360 221,064.12 1 6.875 1,453.46 74 6.625 1,453.46 DENVER CO 80209 5 07/26/02 00 0414459933 05 09/01/02 0 0414459933 O 08/01/32 0 7897933 E22/G02 F 75,000.00 ZZ 360 74,936.99 1 6.875 492.70 52 6.625 492.70 1 MIAMI FL 33144 5 07/26/02 00 0414480426 05 09/01/02 0 0414480426 O 08/01/32 0 7897935 E22/G02 F 171,000.00 ZZ 360 170,879.31 1 7.750 1,225.06 95 7.500 1,225.06 LEWISVILLE TX 75067 1 07/31/02 01 0414480608 05 09/01/02 35 0414480608 O 08/01/32 0 7897943 E22/G02 F 221,000.00 ZZ 360 220,835.99 1 7.500 1,545.26 85 7.250 1,545.26 CORAL SPRINGS FL 33076 5 07/26/02 04 0414482315 03 09/01/02 12 0414482315 O 08/01/32 0 7897951 E22/G02 F 79,200.00 ZZ 360 79,141.22 1 7.500 553.78 90 7.250 553.78 WETMORE CO 81253 5 07/26/02 01 0414485888 05 09/01/02 25 0414485888 O 08/01/32 0 7897967 E22/G02 F 216,000.00 ZZ 360 215,847.55 1 7.750 1,547.45 90 7.500 1,547.45 ROCHESTER MI 48306 1 07/31/02 01 0414491456 29 09/01/02 30 0414491456 O 08/01/32 0 7897975 E22/G02 F 378,000.00 ZZ 360 377,662.50 1 7.500 2,643.03 80 7.250 2,643.03 WEATHERFORD TX 76088 4 07/26/02 00 0414499913 05 09/01/02 0 0414499913 O 08/01/32 0 1 7897979 E22/G02 F 124,087.00 ZZ 360 123,985.29 1 7.000 825.55 80 6.750 825.55 SPARKS NV 89436 1 07/26/02 00 0414501437 03 09/01/02 0 0414501437 O 08/01/32 0 7897987 E22/G02 F 152,000.00 ZZ 360 151,838.41 1 7.625 1,075.85 95 7.375 1,075.85 WILDWOOD IL 60030 5 07/26/02 01 0414505321 05 09/01/02 30 0414505321 O 08/01/32 0 7897999 E22/G02 F 145,000.00 ZZ 360 144,868.92 1 6.500 916.50 76 6.250 916.50 ROUND ROCK TX 78681 5 07/26/02 00 0414809000 03 09/01/02 0 0414509000 O 08/01/32 0 7898019 E22/G02 F 175,000.00 ZZ 360 174,849.33 1 6.750 1,135.05 67 6.500 1,135.05 GRASS VALLEY CA 95945 1 07/29/02 00 0414515452 05 09/01/02 0 0414515452 O 08/01/32 0 7898027 E22/G02 F 136,000.00 ZZ 360 135,888.52 1 7.000 904.81 80 6.750 904.81 MARBLE FALLS TX 78654 5 07/26/02 00 0414519322 05 09/01/02 0 0414519322 O 08/01/32 0 7898051 E22/G02 F 164,000.00 ZZ 360 163,858.80 1 1 6.750 1,063.70 80 6.500 1,063.70 MCKINNEY TX 75070 5 07/26/02 00 0414529503 05 09/01/02 0 0414529503 O 08/01/32 0 7898091 E22/G02 F 90,000.00 ZZ 360 89,922.51 1 6.750 583.74 34 6.500 583.74 FORT WORTH TX 76116 2 07/31/02 00 0414550905 05 09/01/02 0 0414550905 O 08/01/32 0 7898093 E22/G02 F 96,000.00 ZZ 360 95,919.35 1 6.875 630.65 80 6.625 630.65 HOUSTON TX 77064 1 07/30/02 00 0414551606 03 09/01/02 0 0414551606 O 08/01/32 0 7898107 E22/G02 F 127,200.00 ZZ 360 127,098.28 1 7.125 856.97 80 6.875 856.97 FORT WORTH TX 76137 1 07/31/02 00 0414557553 05 09/01/02 0 0414557553 O 08/01/32 0 7898109 E22/G02 F 192,000.00 ZZ 360 191,842.62 1 7.000 1,277.38 80 6.750 1,277.38 FEDERAL WAY WA 98023 5 07/26/02 00 0414558049 05 09/01/02 0 0414558049 O 08/01/32 0 7898111 E22/G02 F 121,800.00 ZZ 360 121,692.54 1 6.625 779.90 80 6.375 779.90 EAGLE ID 83616 1 07/30/02 00 0414558627 03 09/01/02 0 1 0414558627 O 08/01/32 0 7898113 E22/G02 F 198,550.00 ZZ 360 198,550.00 1 6.750 1,287.79 95 6.500 1,287.79 SACRAMENTO CA 95842 1 07/30/02 01 0414558775 05 10/01/02 30 0414558775 O 09/01/32 0 7898117 E22/G02 F 126,500.00 ZZ 360 126,401.32 1 7.250 862.95 80 7.000 862.95 AUBURN MA 01501 5 07/26/02 00 0414560458 05 09/01/02 0 0414560458 O 08/01/32 0 7898125 E22/G02 F 52,915.00 ZZ 360 52,873.73 1 7.250 360.97 95 7.000 360.97 PORT RICHEY FL 34668 1 07/31/02 01 0414562975 05 09/01/02 30 0414562975 O 08/01/32 0 7898127 E22/G02 F 81,500.00 ZZ 360 81,443.91 1 7.875 590.93 66 7.625 590.93 ARLINGTON TX 76013 2 07/31/02 00 0414563213 05 09/01/02 0 0414563213 N 08/01/32 0 7898147 E22/G02 F 249,300.00 ZZ 360 249,119.56 1 7.625 1,764.53 90 7.375 1,764.53 HOBE SOUND FL 33455 1 07/31/02 01 0414574962 03 09/01/02 25 0414574962 O 08/01/32 0 1 7898153 E22/G02 F 430,000.00 ZZ 360 429,611.28 1 6.500 2,717.89 80 6.250 2,717.89 SANDY UT 84093 2 07/26/02 00 0414577833 05 09/01/02 0 0414577833 O 08/01/32 0 7898159 E22/G02 F 148,520.00 ZZ 360 148,395.23 1 6.875 975.67 80 6.625 975.67 MIAMI FL 33155 1 07/31/02 00 0414580399 05 09/01/02 0 0414580399 O 08/01/32 0 7898371 U05/G02 F 384,000.00 ZZ 360 383,692.92 1 7.125 2,587.08 80 6.875 2,587.08 DALLAS TX 75229 5 07/02/02 00 0434505897 05 09/01/02 0 3238173 O 08/01/32 0 7898375 F25/G02 F 330,000.00 ZZ 360 330,000.00 1 6.875 2,167.87 69 6.625 2,167.87 NEW CITY NY 10956 2 07/30/02 00 0434391462 05 10/01/02 0 R0206086 O 09/01/32 0 7898411 M18/G02 F 127,300.00 ZZ 360 127,187.68 1 6.625 815.12 95 6.375 815.12 LOS ANGELES (TU CA 91042 1 07/16/02 04 0434372942 01 09/01/02 30 980101948 O 08/01/32 0 7899377 X72/G02 F 133,500.00 ZZ 360 133,403.38 1 7.625 944.90 75 7.375 944.90 1 ENGLEWOOD CO 80110 1 07/31/02 00 0434355855 05 09/01/02 0 11022064 N 08/01/32 0 7899551 737/G02 F 99,000.00 ZZ 360 98,933.57 4 8.000 726.43 90 7.750 726.43 CHATTANOOGA TN 37405 1 07/26/02 01 0434410650 05 09/01/02 25 2075554 N 08/01/32 0 7899855 477/G02 F 122,400.00 ZZ 360 122,292.01 1 6.625 783.74 80 6.375 783.74 HILLSBORO OR 97124 2 07/11/02 00 0434346995 05 09/01/02 0 226025 O 08/01/32 0 7900911 U05/G02 F 156,750.00 ZZ 360 156,624.98 1 7.125 1,055.72 80 6.875 1,055.72 FRISCO TX 75035 2 07/10/02 00 0434352092 05 09/01/02 0 3242858 O 08/01/32 0 7901141 E47/G02 F 207,000.00 ZZ 360 206,826.10 1 6.875 1,359.84 55 6.625 1,359.84 OLMOS PARK TX 78212 5 07/15/02 00 0434528220 05 09/01/02 0 7362511279 O 08/01/32 0 7901507 738/G02 F 159,000.00 ZZ 360 158,866.42 1 6.875 1,044.52 90 6.625 1,044.52 WESTON FL 33327 1 07/24/02 12 0434376455 09 09/01/02 25 40489591 O 08/01/32 0 1 7901509 Q87/G02 F 151,500.00 ZZ 360 151,366.34 1 6.625 970.07 90 6.375 970.07 MONROEVILLE AL 36460 5 07/26/02 10 0434378634 05 09/01/02 25 TUTE01 O 08/01/32 0 7901539 E57/G02 F 215,900.00 ZZ 360 215,718.62 1 6.875 1,418.31 80 6.625 1,418.31 ANAHEIM CA 92805 5 07/25/02 00 0434359659 05 09/01/02 0 17003442 O 08/01/32 0 7901611 M27/G02 F 180,000.00 ZZ 360 179,856.06 1 7.125 1,212.69 64 6.875 1,212.69 SAVANNAH GA 31405 2 07/25/02 00 0434358693 05 09/01/02 0 500791184 O 08/01/32 0 7902783 W02/G02 F 70,625.00 ZZ 360 70,564.20 1 6.750 458.07 55 6.500 458.07 LANTANA FL 33462 5 07/23/02 00 0434409785 05 09/01/02 0 1001298511 O 08/01/32 0 7902817 W02/G02 F 118,800.00 ZZ 360 118,700.20 1 6.875 780.43 90 6.625 780.43 CAPE CORAL FL 33990 5 07/23/02 12 0434354833 05 09/01/02 25 1001325380 O 08/01/32 0 7902915 E47/G02 F 121,000.00 ZZ 360 120,900.81 1 1 7.000 805.02 80 6.750 805.02 MECHANICSVILLE MD 20659 1 07/19/02 00 0434376299 09 09/01/02 0 7342510161 O 08/01/32 0 7903211 E22/G02 F 166,500.00 ZZ 360 166,388.28 1 8.000 1,221.72 90 7.750 1,221.72 EMIGRANT MT 59027 2 07/22/02 01 0414316240 05 09/01/02 30 0414316240 O 08/01/32 0 7903275 E22/G02 F 119,800.00 ZZ 360 119,800.00 1 7.500 837.66 90 7.250 837.66 DALLAS TX 75209 1 08/01/02 01 0414487355 05 10/01/02 25 0414487355 O 09/01/32 0 7903283 E22/G02 F 124,000.00 ZZ 360 123,907.97 1 7.500 867.03 90 7.250 867.03 GRAND BLANC MI 48439 1 08/01/02 01 0414503144 05 09/01/02 25 0414503144 O 08/01/32 0 7903301 E22/G02 F 126,000.00 ZZ 360 126,000.00 1 7.750 902.68 90 7.500 902.68 PLAINWELL MI 49080 1 08/01/02 04 0414546846 05 10/01/02 25 0414546846 N 09/01/32 0 7903305 E22/G02 F 31,500.00 ZZ 360 31,500.00 1 7.875 228.40 90 7.625 228.40 PLAINWELL MI 49080 1 08/01/02 04 0414547273 05 10/01/02 25 1 0414547273 N 09/01/32 0 7903313 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.750 1,945.79 78 6.500 1,945.79 GRASS VALLEY CA 95945 1 07/29/02 00 0414575001 05 10/01/02 0 0414575001 O 09/01/32 0 7903327 E22/G02 F 151,200.00 ZZ 360 151,095.95 1 7.875 1,096.30 90 7.625 1,096.30 BELLEAIR BEACH FL 33786 1 08/01/02 04 0414607770 01 09/01/02 25 0414607770 O 08/01/32 0 7903341 E82/G02 F 187,500.00 ZZ 360 187,360.85 4 7.500 1,311.03 56 7.250 1,311.03 WAKEFIELD MA 01880 2 07/30/02 00 0400668836 05 09/01/02 0 1961729 N 08/01/32 0 7904989 X82/G02 F 215,200.00 ZZ 360 214,854.80 1 7.125 1,449.84 80 6.875 1,449.84 CHANTILLY VA 20151 1 06/27/02 00 0434363727 29 08/01/02 0 831938 O 07/01/32 0 7905181 562/G02 F 92,000.00 ZZ 360 91,929.99 1 7.375 635.43 80 7.125 635.43 STERLING FOREST NY 10979 1 07/31/02 00 0434387379 05 09/01/02 0 297041247 O 08/01/32 0 1 7905277 K15/G02 F 117,000.00 ZZ 360 116,917.42 1 7.750 838.20 90 7.500 838.20 NORTON OH 44203 5 07/25/02 10 0434358065 05 09/01/02 25 028005501053 O 08/01/32 0 7905391 A06/G02 F 104,000.00 ZZ 360 103,912.62 1 6.875 683.21 80 6.625 683.21 BERKLEY MI 48072 2 07/29/02 00 0434374070 05 09/01/02 0 001000010201141 N 08/01/32 0 7905533 737/G02 F 168,150.00 ZZ 360 168,005.22 1 6.750 1,090.62 95 6.500 1,090.62 SACRAMENTO CA 95827 5 07/25/02 12 0434377727 05 09/01/02 30 2074411 O 08/01/32 0 7905721 R80/G02 F 136,800.00 ZZ 360 136,698.47 4 7.500 956.53 80 7.250 956.53 MESA AZ 85204 1 07/16/02 00 0434374997 05 09/01/02 0 38992 N 08/01/32 0 7906377 W30/G02 F 140,000.00 ZZ 360 139,888.04 1 7.125 943.21 79 6.875 943.21 LYMAN ME 04002 5 07/31/02 00 0434363511 05 09/01/02 0 0589713 O 08/01/32 0 7906707 E22/G02 F 138,650.00 ZZ 360 138,547.10 1 7.500 969.46 90 7.250 969.46 1 DAYTON NV 89403 1 07/25/02 01 0414188599 03 09/01/02 30 0414188599 O 08/01/32 0 7906717 E22/G02 F 183,750.00 ZZ 360 183,610.18 2 7.375 1,269.12 75 7.125 1,269.12 LOS ANGELES CA 90067 5 07/18/02 00 0414256677 05 09/01/02 0 0414256677 N 08/01/32 0 7906727 E22/G02 F 162,400.00 ZZ 360 162,260.18 1 6.750 1,053.32 80 6.500 1,053.32 RIVERSIDE CA 92509 5 07/23/02 00 0414285130 05 09/01/02 0 0414285130 O 08/01/32 0 7906729 E22/G02 F 101,650.00 ZZ 360 101,570.71 1 7.250 693.43 95 7.000 693.43 STILLWATER OK 74075 5 07/29/02 01 0414289082 03 09/01/02 30 0414289082 O 08/01/32 0 7906737 E22/G02 F 234,900.00 ZZ 360 234,725.68 3 7.500 1,642.45 90 7.250 1,642.45 LOS ANGELES CA 90016 1 07/09/02 04 0414301101 05 09/01/02 25 0414301101 N 08/01/32 0 7906759 E22/G02 F 118,800.00 ZZ 360 118,709.60 4 7.375 820.52 90 7.125 820.52 TOLEDO OH 43610 1 08/02/02 11 0414355925 05 09/01/02 25 0414355925 N 08/01/32 0 1 7906799 E22/G02 F 96,700.00 ZZ 360 96,620.73 1 7.000 643.35 85 6.750 643.35 EL PASO TX 79936 2 07/29/02 01 0414410472 05 09/01/02 25 0414410472 O 08/01/32 0 7906811 E22/G02 F 134,500.00 ZZ 360 134,397.66 1 7.375 928.96 59 7.125 928.96 CYPRESS TX 77433 5 07/29/02 00 0414431627 05 09/01/02 0 0414431627 O 08/01/32 0 7906817 E22/G02 F 118,800.00 ZZ 360 118,700.20 1 6.875 780.43 90 6.625 780.43 HUDSON FL 34669 1 08/02/02 01 0414440446 05 09/01/02 30 0414440446 O 08/01/32 0 7906859 E22/G02 F 85,000.00 ZZ 360 84,933.69 1 7.250 579.85 68 7.000 579.85 LARGO FL 33777 1 08/02/02 00 0414478032 05 09/01/02 0 0414478032 O 08/01/32 0 7906875 E22/G02 F 137,750.00 ZZ 360 137,534.27 1 6.875 904.92 95 6.625 904.92 SYLVA NC 28723 1 08/02/02 01 0414498691 05 09/01/02 30 0414498691 O 08/01/32 0 7906879 E22/G02 F 93,600.00 T 360 93,519.41 1 1 6.750 607.09 80 6.500 607.09 ALBUQUERQUE NM 87114 1 08/02/02 00 0414502856 05 09/01/02 0 0414502856 O 08/01/32 0 7906893 E22/G02 F 97,200.00 ZZ 360 97,133.11 1 7.875 704.77 90 7.625 704.77 ROSWELL NM 88201 1 08/02/02 01 0414513531 07 09/01/02 30 0414513531 O 08/01/32 0 7906915 E22/G02 F 139,260.00 ZZ 360 139,260.00 1 6.875 914.84 95 6.625 914.84 BOISE ID 83709 1 08/01/02 04 0414536839 05 10/01/02 30 0414536839 O 09/01/32 0 7906923 E22/G02 F 136,800.00 ZZ 360 136,700.99 1 7.625 968.26 90 7.375 968.26 WARWICK RI 02889 5 07/29/02 01 0414541201 05 09/01/02 25 0414541201 O 08/01/32 0 7906947 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 7.000 1,383.83 80 6.750 1,383.83 TERRELL TX 75160 1 08/02/02 00 0414575993 03 10/01/02 0 0414575993 O 09/01/32 0 7906959 E22/G02 F 146,784.00 ZZ 360 146,669.49 1 7.250 1,001.33 80 7.000 1,001.33 MIAMI BEACH FL 33139 1 08/02/02 00 0414586214 01 09/01/02 0 1 0414586214 O 08/01/32 0 7906973 E22/G02 F 125,000.00 ZZ 360 124,894.99 1 6.875 821.16 44 6.625 821.16 WEST LINN OR 97068 5 07/26/02 00 0414597997 05 09/01/02 0 0414597997 O 08/01/32 0 7907221 K15/G02 F 158,000.00 ZZ 360 157,857.16 1 6.500 998.67 72 6.250 998.67 WHITE BEAR LAKE MN 55110 5 07/26/02 00 0434367017 05 09/01/02 0 013205306172 O 08/01/32 0 7907315 G52/G02 F 240,000.00 ZZ 360 239,624.43 1 7.250 1,637.22 69 7.000 1,637.22 RED BLUFF CA 96080 5 06/18/02 00 0434378782 05 08/01/02 0 7905005213 O 07/01/32 0 7907543 253/253 F 168,000.00 ZZ 360 167,862.29 1 7.000 1,117.71 80 6.750 1,117.71 DALLAS TX 75243 1 07/05/02 00 421452 05 09/01/02 0 421452 O 08/01/32 0 7908627 B39/G02 F 112,500.00 ZZ 360 112,420.60 4 7.750 805.96 90 7.500 805.96 ST PAUL MN 55101 1 08/02/02 04 0434455010 05 09/01/02 25 20021839F N 08/01/32 0 1 7909737 X78/G02 F 319,760.00 ZZ 360 319,760.00 1 7.500 2,235.81 95 7.250 2,235.81 CANTON GA 30114 1 08/02/02 10 0434404430 05 10/01/02 30 990156 O 09/01/32 0 7909747 Q14/G02 F 165,000.00 ZZ 360 164,864.75 2 7.000 1,097.75 61 6.750 1,097.75 INDEPENDENCE MO 64058 2 07/29/02 00 0434364691 05 09/01/02 0 0208351 N 08/01/32 0 7909853 S48/S48 F 173,940.00 ZZ 360 173,660.97 1 7.125 1,171.87 100 6.875 1,171.87 ANKENY IA 50021 1 06/28/02 14 6005255390 01 08/01/02 35 6005255390 O 07/01/32 0 7909857 S48/S48 F 40,000.00 ZZ 360 39,966.39 1 6.875 262.78 100 6.625 262.78 ROANOKE AL 36274 1 07/22/02 14 6048348236 03 09/01/02 35 6048348236 O 08/01/32 0 7909859 S48/S48 F 72,163.00 ZZ 360 72,105.29 1 7.125 486.18 100 6.875 486.18 NEW WOODSTOCK NY 13122 1 07/11/02 14 6067074689 05 09/01/02 35 6067074689 O 08/01/32 0 7909861 S48/S48 F 99,000.00 ZZ 360 98,918.85 1 7.000 658.65 100 6.750 658.65 1 CONROE TX 77385 1 07/17/02 14 6079678170 03 09/01/02 35 6079678170 O 08/01/32 0 7909863 S48/S48 F 120,000.00 ZZ 360 119,901.63 1 7.000 798.37 100 6.750 798.37 BREMERTON WA 98311 1 07/17/02 14 6081957232 05 09/01/02 35 6081957232 O 08/01/32 0 7909869 S48/S48 F 120,000.00 ZZ 360 119,724.35 1 7.375 828.82 100 7.125 828.82 PALM BEACH GARD FL 33418 1 05/17/02 14 6124571388 03 07/01/02 35 6124571388 O 06/01/32 0 7909871 S48/S48 F 151,500.00 ZZ 360 151,262.19 1 7.250 1,033.50 100 7.000 1,033.50 SIMPSONVILLE SC 29680 1 06/27/02 14 6125273174 05 08/01/02 35 6125273174 O 07/01/32 0 7909877 S48/S48 F 30,000.00 ZZ 360 29,723.16 1 6.875 197.08 100 6.625 197.08 JONESBORO AREA AR 72401 1 07/01/02 14 6139100611 05 08/01/02 35 6139100611 O 07/01/32 0 7909879 S48/S48 F 122,000.00 ZZ 360 121,804.21 1 7.125 821.94 100 6.875 821.94 ROWLETT TX 75088 1 06/28/02 14 6149889658 05 08/01/02 35 6149889658 O 07/01/32 0 1 7909889 S48/S48 F 100,000.00 ZZ 360 99,770.31 1 7.375 690.68 100 7.125 690.68 GREENWOOD SC 29649 1 05/17/02 14 6239779496 05 07/01/02 35 6239779496 O 06/01/32 0 7909891 S48/S48 F 72,000.00 ZZ 360 71,537.93 1 7.375 497.29 100 7.125 497.29 BISBEE AZ 85603 1 06/24/02 14 6240329299 05 08/01/02 35 6240329299 O 07/01/32 0 7909893 S48/S48 F 149,507.00 ZZ 360 149,381.39 1 6.875 982.16 100 6.625 982.16 VISALIA CA 93292 1 07/17/02 14 6243069363 05 09/01/02 35 6243069363 O 08/01/32 0 7909901 S48/S48 F 122,860.00 ZZ 360 122,677.07 1 7.500 859.06 100 7.250 859.06 MONROE NC 28110 1 06/27/02 14 6312327833 05 08/01/02 35 6312327833 O 07/01/32 0 7909915 S48/S48 F 46,000.00 ZZ 360 45,926.20 1 7.125 309.92 100 6.875 309.92 PENSACOLA FL 32503 1 06/28/02 14 6405744621 05 08/01/02 35 6405744621 O 07/01/32 0 7909919 S48/S48 F 94,000.00 ZZ 360 93,646.76 1 1 7.500 657.27 100 7.250 657.27 SUN CITY AZ 85351 1 03/21/02 14 6413275717 03 05/01/02 35 6413275717 O 04/01/32 0 7909921 S48/S48 F 293,000.00 ZZ 360 292,753.84 1 6.875 1,924.81 100 6.625 1,924.81 FOLSOM CA 95630 1 07/12/02 14 6419865693 05 09/01/02 35 6419865693 O 08/01/32 0 7909923 S48/S48 F 47,000.00 ZZ 360 46,955.40 1 6.250 289.39 100 6.000 289.39 WOODLAWN TN 37191 1 07/18/02 14 6445518167 05 09/01/02 35 6445518167 O 08/01/32 0 7909925 S48/S48 F 153,900.00 ZZ 360 153,634.23 1 6.750 998.20 100 6.500 998.20 MURFREESBORO TN 37129 1 06/27/02 14 6454640324 05 08/01/02 35 6454640324 O 07/01/32 0 7909927 S48/S48 F 61,000.00 ZZ 360 60,949.99 1 7.000 405.84 100 6.750 405.84 VERO BEACH FL 32962 1 07/19/02 14 6457943873 05 09/01/02 35 6457943873 O 08/01/32 0 7909933 S48/S48 F 146,477.00 ZZ 360 146,230.16 1 6.875 962.26 100 6.625 962.26 RIVERDALE GA 30297 1 06/27/02 14 6483698301 03 08/01/02 35 1 6483698301 O 07/01/32 0 7909937 S48/S48 F 150,204.00 ZZ 360 149,963.04 1 7.125 1,011.96 100 6.875 1,011.96 SAN ANTONIO TX 78259 1 06/26/02 14 6519310715 03 08/01/02 35 6519310715 O 07/01/32 0 7909939 S48/S48 F 168,000.00 ZZ 360 167,851.77 1 6.625 1,075.73 100 6.375 1,075.73 ALVIN TX 77511 1 07/22/02 14 6526609455 05 09/01/02 35 6526609455 O 08/01/32 0 7909945 S48/S48 F 79,900.00 ZZ 360 79,079.61 1 6.375 498.48 100 6.125 498.48 CINCINNATI OH 45205 1 06/28/02 14 6603785855 05 08/01/02 35 6603785855 O 07/01/32 0 7909947 S48/S48 F 145,000.00 ZZ 360 144,881.14 1 7.000 964.69 100 6.750 964.69 LOS ANGELES CA 91406 1 07/17/02 14 6610156843 01 09/01/02 35 6610156843 O 08/01/32 0 7909951 S48/S48 F 127,500.00 ZZ 360 127,395.48 1 7.000 848.27 100 6.750 848.27 TUCSON AZ 85741 1 07/09/02 14 6656388086 05 09/01/02 35 6656388086 O 08/01/32 0 1 7909955 S48/S48 F 203,000.00 ZZ 360 202,816.48 1 6.500 1,283.10 100 6.250 1,283.10 SUMTER SC 29150 1 07/16/02 14 6678448108 05 09/01/02 35 6678448108 O 08/01/32 0 7909959 S48/S48 F 149,088.00 ZZ 360 148,871.49 1 7.625 1,055.24 100 7.375 1,055.24 LAS CRUCES NM 88012 1 06/28/02 14 6781035446 05 08/01/02 35 6781035446 O 07/01/32 0 7909963 S48/S48 F 150,000.00 ZZ 360 149,867.65 1 6.625 960.47 100 6.375 960.47 RICHMOND VA 23221 1 07/19/02 14 6801702132 05 09/01/02 35 6801702132 O 08/01/32 0 7909967 S48/S48 F 74,900.00 ZZ 360 74,773.78 1 6.875 492.04 100 6.625 492.04 DUBUQUE IA 52001 1 06/28/02 14 6947188964 05 08/01/02 35 6947188964 O 07/01/32 0 7909969 S48/S48 F 72,000.00 ZZ 360 71,940.98 1 7.000 479.02 100 6.750 479.02 SPRINGFIELD MO 65803 1 07/12/02 14 6979780290 05 09/01/02 35 6979780290 O 08/01/32 0 7909973 S48/S48 F 116,000.00 ZZ 360 115,907.23 1 7.125 781.52 100 6.875 781.52 1 ORLANDO FL 32822 1 07/22/02 14 6538822914 03 09/01/02 35 6538822914 O 08/01/32 0 7909977 S48/S48 F 88,000.00 ZZ 360 87,816.45 1 6.875 578.10 100 6.625 578.10 HALETHORPE MD 21227 1 06/25/02 14 6581012652 05 08/01/02 35 6581012652 O 07/01/32 0 7909981 S48/S48 F 93,000.00 ZZ 360 92,807.72 1 7.375 642.33 100 7.125 642.33 FREDERICKSBURG VA 22407 1 06/26/02 14 6616568439 03 08/01/02 35 6616568439 O 07/01/32 0 7909985 S48/S48 F 140,000.00 ZZ 360 139,758.24 1 6.750 908.04 100 6.500 908.04 MONROE NC 28112 1 06/28/02 14 6640245590 05 08/01/02 35 6640245590 O 07/01/32 0 7909987 S48/S48 F 158,640.00 ZZ 360 158,516.24 1 7.250 1,082.21 100 7.000 1,082.21 PEARLAND TX 77584 1 07/26/02 14 6641517179 03 09/01/02 35 6641517179 O 08/01/32 0 7909989 S48/S48 F 121,750.00 ZZ 360 121,641.78 1 6.750 789.67 100 6.500 789.67 NEW TRIPOLI PA 18066 1 07/19/02 14 6687398195 05 09/01/02 35 6687398195 O 08/01/32 0 1 7909999 S48/S48 F 90,900.00 ZZ 360 90,754.17 1 7.125 612.42 100 6.875 612.42 SURFSIDE BE SC 29575 1 06/27/02 14 6883277334 05 08/01/02 35 6883277334 O 07/01/32 0 7910001 S48/S48 F 207,000.00 ZZ 360 206,838.52 1 7.250 1,412.11 100 7.000 1,412.11 VENTURA CA 93004 1 07/11/02 14 6886598645 01 09/01/02 35 6886598645 O 08/01/32 0 7910005 S48/S48 F 130,400.00 ZZ 360 130,290.44 1 6.875 856.64 100 6.625 856.64 GORDONSVILL VA 22942 1 07/18/02 14 6989942385 05 09/01/02 35 6989942385 O 08/01/32 0 7910335 T44/G02 F 160,000.00 ZZ 360 159,851.81 1 6.375 998.19 64 6.125 998.19 UPLAND CA 91786 5 07/25/02 00 0434368452 05 09/01/02 0 1047397 O 08/01/32 0 7910359 P30/G02 F 117,900.00 ZZ 360 117,810.28 1 7.375 814.31 90 7.125 814.31 LEXINGTON NC 27295 1 07/30/02 25 0434462164 05 09/01/02 25 0592083 O 08/01/32 0 7910363 737/G02 F 163,000.00 ZZ 360 162,863.06 1 1 6.875 1,070.79 73 6.625 1,070.79 MANDEVILLE LA 70448 2 07/26/02 00 0434363305 05 09/01/02 0 2076606 O 08/01/32 0 7910523 W40/G02 F 134,800.00 ZZ 360 134,800.00 1 6.875 885.54 80 6.625 885.54 ANTHEM AZ 85086 1 08/02/02 00 0434380267 05 10/01/02 0 10210066 O 09/01/32 0 7910815 F61/G02 F 220,000.00 ZZ 360 220,000.00 1 6.625 1,408.68 69 6.375 1,408.68 SEATTLE WA 98126 1 08/01/02 00 0434370979 05 10/01/02 0 020836B O 09/01/32 0 7910895 K15/G02 F 120,000.00 ZZ 360 119,891.52 1 6.500 758.48 65 6.250 758.48 CUMBERLAND ME 04021 5 07/26/02 00 0434369633 05 09/01/02 0 007705301517 O 08/01/32 0 7910973 B57/G02 F 190,000.00 ZZ 360 189,848.06 1 7.125 1,280.07 76 6.875 1,280.07 (NORTHRIDGE ARE CA 91325 5 07/24/02 00 0434366688 05 09/01/02 0 10003863 O 08/01/32 0 7910981 K15/G02 F 170,500.00 ZZ 360 170,366.99 1 7.250 1,163.11 82 7.000 1,163.11 WORCESTER MA 01602 5 07/25/02 10 0434378493 05 09/01/02 12 1 024605501415 O 08/01/32 0 7911011 K81/G02 F 229,500.00 ZZ 360 229,325.37 1 7.375 1,585.10 90 7.125 1,585.10 PARK CITY UT 84098 1 07/31/02 01 0434467338 05 09/01/02 25 5700324 O 08/01/32 0 7912059 U28/G02 F 75,300.00 ZZ 360 75,236.74 1 6.875 494.67 75 6.625 494.67 ATLANTA GA 30342 5 07/26/02 00 0434382883 01 09/01/02 0 2000003854 O 08/01/32 0 7913303 025/025 F 220,462.61 ZZ 286 217,841.27 1 7.375 1,639.10 37 7.125 1,639.10 OCALA FL 34471 2 11/21/01 00 0025330291 05 01/01/02 0 0025330291 O 10/01/25 0 7914497 696/G02 F 206,800.00 ZZ 360 206,634.63 1 7.125 1,393.25 49 6.875 1,393.25 ALEXANDRIA VA 22304 2 07/23/02 00 0434368270 09 09/01/02 0 25602145 O 08/01/32 0 7915555 E22/G02 F 373,100.00 ZZ 360 372,770.82 1 6.625 2,389.00 80 6.375 2,389.00 SAN DIEGO CA 92109 5 07/24/02 00 0414247197 01 09/01/02 0 0414247197 O 08/01/32 0 1 7915559 E22/G02 F 134,500.00 ZZ 360 134,375.42 1 6.375 839.11 55 6.125 839.11 CLEARWATER FL 33756 2 07/30/02 00 0414282525 05 09/01/02 0 0414282525 O 08/01/32 0 7915571 E22/G02 F 148,500.00 ZZ 360 148,500.00 4 7.750 1,063.87 90 7.500 1,063.87 PHILLIPSBURG NJ 08865 1 08/05/02 04 0414322842 05 10/01/02 25 0414322842 N 09/01/32 0 7915589 E22/G02 F 144,000.00 ZZ 360 143,876.02 1 6.750 933.98 66 6.500 933.98 BROCKTON MA 02301 5 07/31/02 00 0414347195 05 09/01/02 0 0414347195 O 08/01/32 0 7915597 E22/G02 F 158,400.00 ZZ 360 158,400.00 1 7.375 1,094.03 80 7.125 1,094.03 LAGO VISTA TX 78645 5 07/31/02 00 0414371351 03 10/01/02 0 0414371351 O 09/01/32 0 7915663 E22/G02 F 129,600.00 ZZ 360 129,491.12 1 6.875 851.38 80 6.625 851.38 LOVELAND CO 80538 1 08/05/02 00 0414431718 05 09/01/02 0 0414431718 O 08/01/32 0 7915723 E22/G02 F 330,100.00 ZZ 360 330,100.00 1 6.875 2,168.52 83 6.625 2,168.52 1 MONROE TOWNSHIP NJ 08831 5 07/31/02 01 0414479543 05 10/01/02 12 0414479543 O 09/01/32 0 7915727 E22/G02 F 108,750.00 ZZ 360 108,663.03 2 7.125 732.67 75 6.875 732.67 ALBANY OR 97322 1 07/31/02 00 0414482638 05 09/01/02 0 0414482638 N 08/01/32 0 7915743 E22/G02 F 106,100.00 ZZ 360 106,013.03 1 7.000 705.89 90 6.750 705.89 BLACK MOUNTAIN NC 28711 5 07/30/02 10 0414489237 05 09/01/02 25 0414489237 O 08/01/32 0 7915747 E22/G02 F 97,000.00 ZZ 360 96,922.43 1 7.125 653.51 80 6.875 653.51 BRYAN TX 77802 5 07/31/02 00 0414490409 05 09/01/02 0 0414490409 O 08/01/32 0 7915763 E22/G02 F 649,900.00 ZZ 360 649,312.48 1 6.500 4,107.81 27 6.250 4,107.81 BRASELTON GA 30517 2 07/31/02 00 0414505743 05 09/01/02 0 0414505743 O 08/01/32 0 7915767 E22/G02 F 300,000.00 ZZ 360 299,747.96 1 6.875 1,970.79 80 6.625 1,970.79 FORT WORTH TX 76132 1 08/02/02 00 0414506261 03 09/01/02 0 0414506261 O 08/01/32 0 1 7915799 E22/G02 F 139,000.00 ZZ 360 138,880.33 1 6.750 901.55 76 6.500 901.55 FRIENDSWOOD TX 77546 2 07/30/02 00 0414527184 03 09/01/02 0 0414527184 O 08/01/32 0 7915837 E22/G02 F 185,500.00 ZZ 360 185,351.66 2 7.125 1,249.75 70 6.875 1,249.75 HILLSIDE NJ 07205 5 07/31/02 00 0414553164 05 09/01/02 0 0414553164 O 08/01/32 0 7915885 E22/G02 F 188,000.00 ZZ 360 187,838.14 1 6.750 1,219.36 80 6.500 1,219.36 NEW ORLEANS LA 70122 5 07/31/02 00 0414612200 05 09/01/02 0 0414612200 O 08/01/32 0 7915889 E22/G02 F 119,692.00 ZZ 360 119,588.95 1 6.750 776.32 75 6.500 776.32 FORT LAUDERDALE FL 33312 1 08/05/02 00 0414637272 05 09/01/02 0 0414637272 O 08/01/32 0 7915891 E22/G02 F 175,500.00 ZZ 360 175,500.00 4 7.375 1,212.13 75 7.125 1,212.13 BOISE ID 83704 1 08/01/02 00 0414661975 05 10/01/02 0 0414661975 N 09/01/32 0 7915979 E82/G02 F 203,600.00 ZZ 360 203,600.00 3 1 7.375 1,406.21 49 7.125 1,406.21 DORCHESTER MA 02122 2 08/06/02 00 0400670816 05 10/01/02 0 3500550 N 09/01/32 0 7916017 K39/G02 F 139,200.00 ZZ 360 139,091.41 1 7.250 949.59 80 7.000 949.59 QUARTZ HILL CA 93536 5 07/24/02 00 0434356051 05 09/01/02 0 570572789 O 08/01/32 0 7916147 G52/G02 F 108,000.00 ZZ 360 107,847.05 3 7.750 773.73 90 7.500 773.73 SAN ANTONIO TX 78212 1 06/06/02 01 0434464111 05 08/01/02 25 7405007188 N 07/01/32 0 7916345 E47/G02 F 125,000.00 ZZ 360 124,892.38 1 6.750 810.75 74 6.500 810.75 BULVERDE TX 78163 5 07/18/02 00 0434429684 05 09/01/02 0 7362511278 O 08/01/32 0 7916469 758/G02 F 420,000.00 ZZ 360 420,000.00 1 6.500 2,654.69 80 6.250 2,654.69 HOUSTON TX 77056 1 08/01/02 00 0434387320 09 10/01/02 0 102136 O 09/01/32 0 7916691 642/G02 F 157,250.00 ZZ 360 157,250.00 1 6.875 1,033.02 85 6.625 1,033.02 SAN DIEGO CA 92109 5 08/01/02 10 0434410155 01 10/01/02 12 1 06187602 O 09/01/32 0 7916717 E57/G02 F 107,000.00 ZZ 360 107,000.00 1 6.875 702.91 49 6.625 702.91 RIVERSIDE CA 92507 1 07/31/02 00 0434395695 05 10/01/02 0 06008776 N 09/01/32 0 7916733 G34/G02 F 161,400.00 ZZ 360 161,277.19 1 7.375 1,114.75 95 7.125 1,114.75 JUNCTION CITY OR 97448 1 07/23/02 19 0434466124 05 09/01/02 30 44802269118 O 08/01/32 0 7916905 P44/G02 F 270,000.00 ZZ 360 269,190.94 1 7.500 1,887.88 80 7.250 1,887.88 CAMBRIDGE MA 02163 5 05/09/02 00 0434459947 05 06/01/02 0 001492 O 05/01/32 0 7917053 420/G02 F 199,000.00 ZZ 360 198,832.81 1 6.875 1,307.29 50 6.625 1,307.29 SANTA ROSA CA 95404 1 07/11/02 00 0434385084 05 09/01/02 0 72002337 N 08/01/32 0 7917105 U05/G02 F 94,500.00 ZZ 360 94,429.87 1 7.500 660.76 70 7.250 660.76 GRANTS PASS OR 97526 1 07/12/02 00 0434383030 05 09/01/02 0 3243205 N 08/01/32 0 1 7917451 X05/G02 F 227,000.00 ZZ 360 226,804.56 1 6.750 1,472.32 62 6.500 1,472.32 POWAY CA 92064 5 07/19/02 00 0434395463 05 09/01/02 0 01206333 O 08/01/32 0 7917457 U05/G02 F 234,500.00 ZZ 360 234,307.79 1 7.000 1,560.13 80 6.750 1,560.13 BELLFLOWER CA 90706 5 07/11/02 00 0434372876 05 09/01/02 0 3244814 O 08/01/32 0 7917479 A50/G02 F 86,925.00 ZZ 360 86,857.19 1 7.250 592.98 95 7.000 592.98 CALHOUN GA 30701 1 07/31/02 01 0434393427 05 09/01/02 30 858129 O 08/01/32 0 7917493 A50/G02 F 163,100.00 ZZ 360 162,952.56 1 6.500 1,030.90 80 6.250 1,030.90 NEWNAN GA 30265 1 07/31/02 00 0434393252 03 09/01/02 0 848266 O 08/01/32 0 7917797 X66/G02 F 137,500.00 ZZ 360 137,500.00 1 7.000 914.79 85 6.750 914.79 WINSLOW TOWNSHI NJ 08009 5 08/02/02 04 0434455952 05 10/01/02 12 87552601 O 09/01/32 0 7917915 S25/G02 F 66,000.00 ZZ 300 65,849.07 1 7.500 487.73 68 7.250 487.73 1 ASHEVILLE NC 28806 5 07/19/02 00 0434455994 05 08/25/02 0 245807633 O 07/25/27 0 7917921 U42/G02 F 280,000.00 ZZ 360 279,758.93 1 6.750 1,816.07 79 6.500 1,816.07 PLANO TX 75093 5 07/24/02 00 0434425534 03 09/01/02 0 12201724 O 08/01/32 0 7917925 952/G02 F 122,400.00 ZZ 360 122,400.00 3 7.500 855.84 90 7.250 855.84 NEWARK NJ 07107 1 08/02/02 02 0434402988 05 10/01/02 25 2002572 N 09/01/32 0 7918173 M18/G02 F 438,400.00 ZZ 360 438,400.00 1 7.500 3,065.36 80 7.250 3,065.36 GLENDALE CA 91201 5 07/29/02 00 0434384855 05 10/01/02 0 980101947 O 09/01/32 0 7918451 144/144 F 76,000.00 ZZ 360 75,934.57 1 6.750 492.93 70 6.500 492.93 MONTICELLO NY 12701 2 07/25/02 00 568483073 05 09/01/02 0 568483073 O 08/01/32 0 7919373 588/G02 F 148,850.00 ZZ 360 148,605.27 1 7.000 990.30 80 6.750 990.30 WILMINGTON CITY DE 19809 1 06/28/02 00 0434379293 09 08/01/02 0 1069615 O 07/01/32 0 1 7919415 S25/G02 F 95,950.00 ZZ 300 95,693.05 1 6.500 647.86 95 6.250 647.86 KNIGHTDALE NC 27545 5 07/19/02 11 0434456018 05 08/24/02 30 246311586 O 07/24/27 0 7920515 E22/G02 F 43,700.00 ZZ 360 43,669.92 1 7.875 316.86 95 7.625 316.86 CENTRALIA IL 62801 5 08/02/02 04 0414037119 05 09/01/02 30 0414037119 O 08/01/32 0 7920521 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 7.625 1,380.20 70 7.375 1,380.20 SWANSEA SC 29160 5 08/01/02 00 0414186510 05 10/01/02 0 0414186510 O 09/01/32 0 7920533 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 6.625 1,440.70 65 6.375 1,440.70 UPPER LAKE CA 95485 1 07/30/02 00 0414264622 27 10/01/02 0 0414264622 O 09/01/32 0 7920535 E22/G02 F 128,600.00 ZZ 360 128,499.68 1 7.250 877.28 90 7.000 877.28 KENNEWICK WA 99338 1 07/30/02 04 0414286187 05 09/01/02 25 0414286187 O 08/01/32 0 7920553 E22/G02 F 261,900.00 ZZ 360 261,695.69 1 1 7.250 1,786.62 90 7.000 1,786.62 MIAMI FL 33178 5 08/01/02 01 0414326876 09 09/01/02 25 0414326876 O 08/01/32 0 7920563 E22/G02 F 148,000.00 ZZ 360 147,875.67 1 6.875 972.25 80 6.625 972.25 GRASS VALLEY CA 95945 1 07/26/02 00 0414345827 05 09/01/02 0 0414345827 O 08/01/32 0 7920583 E22/G02 F 175,000.00 ZZ 360 174,856.55 1 7.000 1,164.28 80 6.750 1,164.28 VENTURA CA 93001 5 07/29/02 00 0414393017 01 09/01/02 0 0414393017 O 08/01/32 0 7920601 E22/G02 F 117,000.00 ZZ 360 116,804.94 3 7.250 798.15 74 7.000 798.15 BRISTOL CT 06010 5 08/01/02 00 0414430579 05 09/01/02 0 0414430579 O 08/01/32 0 7920613 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 7.875 1,276.12 92 7.625 1,276.12 CLOVIS CA 93612 5 07/30/02 01 0414456079 05 10/01/02 30 0414456079 O 09/01/32 0 7920615 E22/G02 F 84,000.00 ZZ 360 83,942.19 1 7.875 609.06 80 7.625 609.06 JUPITER FL 33458 5 08/06/02 00 0414456442 01 09/01/02 0 1 0414456442 N 08/01/32 0 7920633 E22/G02 F 103,300.00 ZZ 360 103,300.00 1 7.250 704.69 87 7.000 704.69 KNOXVILLE TN 37917 2 08/06/02 10 0414479600 01 10/01/02 25 0414479600 N 09/01/32 0 7920635 E22/G02 F 56,000.00 ZZ 360 55,952.95 1 6.875 367.88 54 6.625 367.88 THEODORE AL 36582 5 08/01/02 00 0414482232 05 09/01/02 0 0414482232 O 08/01/32 0 7920665 E22/G02 F 238,000.00 ZZ 360 237,800.05 1 6.875 1,563.49 85 6.625 1,563.49 BERTHOUD CO 80513 5 08/01/02 01 0414514521 05 09/01/02 12 0414514521 O 08/01/32 0 7920689 E22/G02 F 141,100.00 ZZ 360 140,992.64 1 7.375 974.54 95 7.125 974.54 DAWSONVILLE GA 30534 5 07/31/02 01 0414530329 05 09/01/02 30 0414530329 O 08/01/32 0 7920711 E22/G02 F 240,000.00 ZZ 360 239,798.37 1 6.875 1,576.63 80 6.625 1,576.63 AMERICAN CANYON CA 94503 5 07/26/02 00 0414560037 05 09/01/02 0 0414560037 O 08/01/32 0 1 7920715 E22/G02 F 111,625.00 ZZ 360 111,540.06 1 7.375 770.97 95 7.125 770.97 CLEARWATER FL 33756 5 08/01/02 04 0414566265 05 09/01/02 30 0414566265 O 08/01/32 0 7920733 E22/G02 F 90,400.00 ZZ 360 90,318.28 1 6.500 571.39 80 6.250 571.39 CARROLLTON TX 75006 1 08/05/02 00 0414584805 05 09/01/02 0 0414584805 O 08/01/32 0 7920749 E22/G02 F 174,400.00 ZZ 360 174,260.53 1 7.125 1,174.97 80 6.875 1,174.97 JUPITER FL 33478 1 08/06/02 00 0414635250 05 09/01/02 0 0414635250 O 08/01/32 0 7920773 E82/G02 F 110,000.00 ZZ 360 109,907.59 1 6.875 722.62 70 6.625 722.62 YUMA AZ 85364 2 07/29/02 00 0400654992 05 09/01/02 0 1584098 N 08/01/32 0 7920783 A80/G02 F 25,000.00 ZZ 360 24,981.45 1 7.500 174.80 42 7.250 174.80 MIAMI FL 33172 5 07/30/02 00 0434401907 01 09/01/02 0 020630846 N 08/01/32 0 7920879 X08/G02 F 145,800.00 ZZ 360 145,677.51 1 6.875 957.80 90 6.625 957.80 1 EAGLE MOUNTAIN UT 84043 1 07/23/02 10 0434400800 05 09/01/02 25 2797278 O 08/01/32 0 7920891 K15/G02 F 194,700.00 ZZ 360 194,562.59 1 7.750 1,394.85 95 7.500 1,394.85 AVON OH 44011 5 07/26/02 10 0434367603 01 09/01/02 30 028705500862 O 08/01/32 0 7921519 F36/G02 F 146,000.00 ZZ 360 145,871.19 1 6.625 934.85 80 6.375 934.85 BUCKLEY WA 98321 1 07/24/02 00 0434456901 05 09/01/02 0 06404956 O 08/01/32 0 7921943 K15/G02 F 197,000.00 ZZ 360 196,838.52 2 7.000 1,310.65 79 6.750 1,310.65 ROCKAWAY BEACH NY 11693 5 07/25/02 00 0434369609 05 09/01/02 0 021205501654 O 08/01/32 0 7921993 T44/G02 F 256,000.00 ZZ 360 255,800.30 1 7.250 1,746.37 47 7.000 1,746.37 CARMEL VALLEY CA 93924 1 07/23/02 00 0434379046 05 09/01/02 0 1047031 N 08/01/32 0 7922015 737/G02 F 142,000.00 ZZ 360 141,899.77 1 7.750 1,017.31 95 7.500 1,017.31 STONE MOUNTAIN GA 30087 5 07/26/02 01 0434410668 05 09/01/02 30 2077030 O 08/01/32 0 1 7922077 X67/G02 F 262,500.00 ZZ 360 262,305.19 3 7.500 1,835.44 75 7.250 1,835.44 ALTADENA CA 91001 5 07/22/02 00 0434369575 05 09/01/02 0 00266110 O 08/01/32 0 7922415 Q14/G02 F 117,600.00 ZZ 360 117,501.20 1 6.875 772.55 80 6.625 772.55 WILTON IA 52778 2 07/29/02 00 0434427456 05 09/01/02 0 0208333 O 08/01/32 0 7922607 N47/G02 F 239,200.00 ZZ 360 239,022.48 1 7.500 1,672.52 80 7.250 1,672.52 OAKLAND CA 94601 1 07/29/02 00 0434394771 05 09/01/02 0 20221158 N 08/01/32 0 7922665 E11/G02 F 190,000.00 ZZ 360 189,828.24 1 6.500 1,200.93 68 6.250 1,200.93 CHANHASSEN MN 55317 1 07/31/02 00 0434374518 03 09/01/02 0 008001044428 O 08/01/32 0 7922853 E11/G02 F 115,000.00 ZZ 360 114,903.38 1 6.875 755.47 65 6.625 755.47 SAVAGE MN 55378 1 07/31/02 00 0434372413 05 09/01/02 0 0002001043678 O 08/01/32 0 7922941 U05/G02 F 242,250.00 ZZ 360 242,046.48 1 1 6.875 1,591.41 95 6.625 1,591.41 BRIER WA 98036 5 07/23/02 11 0434387361 05 09/01/02 30 3246882 O 08/01/32 0 7922987 F89/G02 F 232,800.00 ZZ 360 232,604.42 1 6.875 1,529.33 75 6.625 1,529.33 HIGHLAND CA 92346 1 07/26/02 00 0434390225 05 09/01/02 0 11122246 O 08/01/32 0 7923311 E47/G02 F 132,000.00 ZZ 360 131,889.10 1 6.875 867.15 60 6.625 867.15 BRENTWOOD CA 94513 5 07/08/02 00 0434374021 05 09/01/02 0 7359510333 O 08/01/32 0 7924153 E22/G02 F 194,700.00 ZZ 360 194,336.43 1 6.875 1,279.04 80 6.625 1,279.04 SANTA FE NM 87508 1 08/07/02 00 0414412163 03 09/01/02 0 0414412163 O 08/01/32 0 7924155 E22/G02 F 171,000.00 ZZ 360 171,000.00 4 7.875 1,239.87 87 7.625 1,239.87 NEW ORLEANS LA 70130 2 08/02/02 10 0414413641 05 10/01/02 25 0414413641 O 09/01/32 0 7924189 E22/G02 F 247,500.00 ZZ 360 247,500.00 1 6.375 1,544.08 90 6.125 1,544.08 AUSTIN TX 78705 1 08/06/02 04 0414465302 05 10/01/02 25 1 0414465302 O 09/01/32 0 7924197 E22/G02 F 135,500.00 ZZ 360 135,386.16 1 6.875 890.14 80 6.625 890.14 SALEM OR 97304 1 07/30/02 00 0414471045 05 09/01/02 0 0414471045 O 08/01/32 0 7924229 E22/G02 F 35,000.00 ZZ 360 35,000.00 1 7.750 250.74 62 7.500 250.74 CHARLESTON SC 29407 1 08/07/02 00 0414485698 01 10/01/02 0 0414485698 N 09/01/32 0 7924235 E22/G02 F 46,400.00 ZZ 360 46,400.00 1 7.500 324.44 80 7.250 324.44 MEMPHIS TN 38114 1 08/06/02 00 0414489724 05 10/01/02 0 0414489724 N 09/01/32 0 7924263 E22/G02 F 68,800.00 ZZ 360 68,800.00 1 7.250 469.34 80 7.000 469.34 ORANGE COVE CA 93646 5 08/02/02 00 0414510081 05 10/01/02 0 0414510081 O 09/01/32 0 7924269 E22/G02 F 53,250.00 ZZ 360 53,250.00 1 7.500 372.33 80 7.250 372.33 LEXINGTON KY 40508 2 08/07/02 00 0414512806 05 10/01/02 0 0414512806 N 09/01/32 0 1 7924295 E22/G02 F 93,000.00 ZZ 360 93,000.00 1 7.000 618.73 91 6.750 618.73 ELKHART IN 46514 2 08/02/02 01 0414522326 05 10/01/02 30 0414522326 O 09/01/32 0 7924303 E22/G02 F 49,400.00 ZZ 240 49,400.00 1 7.875 409.37 90 7.625 409.37 ENID OK 73703 5 08/02/02 04 0414530089 05 10/01/02 25 0414530089 O 09/01/22 0 7924311 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.750 856.15 94 6.500 856.15 VIRGINIA BEACH VA 23456 2 08/02/02 10 0414536607 05 10/01/02 30 0414536607 O 09/01/32 0 7924313 E22/G02 F 135,000.00 ZZ 360 134,899.81 1 7.500 943.94 66 7.250 943.94 PLANO TX 75025 5 08/01/02 00 0414543280 03 09/01/02 0 0414543280 O 08/01/32 0 7924315 E22/G02 F 96,500.00 ZZ 360 96,428.39 1 7.500 674.74 90 7.250 674.74 LINCOLNTON GA 30817 2 07/31/02 10 0414545178 05 09/01/02 30 0414545178 O 08/01/32 0 7924325 E22/G02 F 338,105.00 ZZ 360 338,105.00 1 7.625 2,393.09 95 7.375 2,393.09 1 LAKEPORT CA 95453 1 08/02/02 01 0414558288 05 10/01/02 30 0414558288 O 09/01/32 0 7924327 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 7.250 920.94 75 7.000 920.94 MONTE RIO CA 95462 5 08/01/02 00 0414560862 05 10/01/02 0 0414560862 O 09/01/32 0 7924331 E22/G02 F 184,000.00 ZZ 360 183,856.47 1 7.250 1,255.20 80 7.000 1,255.20 FISKDALE MA 01518 5 08/02/02 00 0414561662 05 09/01/02 0 0414561662 O 08/01/32 0 7924345 E22/G02 F 287,200.00 ZZ 360 287,200.00 1 6.875 1,886.70 80 6.625 1,886.70 SAN DIEGO CA 92111 1 08/04/02 00 0414580704 05 10/01/02 0 0414580704 O 09/01/32 0 7924347 E22/G02 F 191,200.00 ZZ 360 191,200.00 1 7.750 1,369.78 80 7.500 1,369.78 MIAMI FL 33160 1 08/07/02 00 0414582320 06 10/01/02 0 0414582320 O 09/01/32 0 7924355 E22/G02 F 164,000.00 ZZ 360 163,862.22 1 6.875 1,077.36 80 6.625 1,077.36 LYNN MA 01902 5 08/02/02 00 0414592345 05 09/01/02 0 0414592345 O 08/01/32 0 1 7924365 E22/G02 F 51,755.00 ZZ 360 51,755.00 1 7.875 375.26 95 7.625 375.26 ALAMOGORDO NM 88310 1 08/07/02 01 0414609305 05 10/01/02 30 0414609305 O 09/01/32 0 7924367 E22/G02 F 95,900.00 ZZ 360 95,900.00 1 7.750 687.04 80 7.500 687.04 MIAMI FL 33186 1 08/07/02 00 0414623397 01 10/01/02 0 0414623397 N 09/01/32 0 7924375 E22/G02 F 131,692.00 ZZ 360 131,692.00 1 7.000 876.15 80 6.750 876.15 LOVELAND CO 80538 1 08/07/02 00 0414663922 03 10/01/02 0 0414663922 O 09/01/32 0 7924417 696/G02 F 200,800.00 ZZ 360 200,643.36 1 7.250 1,369.81 90 7.000 1,369.81 WASHINGTON DC 20009 1 07/22/02 12 0434433991 01 09/01/02 25 31202145 N 08/01/32 0 7924479 E82/G02 F 132,500.00 ZZ 360 132,500.00 1 6.750 859.39 78 6.500 859.39 GUNTERSVILLE AL 35976 2 08/02/02 00 0400664454 05 10/01/02 0 3893722 O 09/01/32 0 7924493 477/G02 F 136,500.00 ZZ 360 136,388.11 1 1 7.000 908.14 55 6.750 908.14 PORTLAND OR 97236 1 07/29/02 00 0434426904 05 09/01/02 0 226022 O 08/01/32 0 7924497 B28/G02 F 199,500.00 ZZ 360 199,336.47 1 7.000 1,327.28 95 6.750 1,327.28 GRAND JUNCTION CO 81506 1 07/29/02 01 0434372009 05 09/01/02 30 01801702 O 08/01/32 0 7924741 E86/G02 F 164,000.00 ZZ 360 163,872.06 1 7.250 1,118.77 80 7.000 1,118.77 PELHAM NY 10803 1 07/19/02 00 0434372728 01 09/01/02 0 0000192712 O 08/01/32 0 7925349 U36/G02 F 60,000.00 ZZ 360 59,952.02 1 7.125 404.23 80 6.875 404.23 RIVERDALE GA 30296 1 07/18/02 00 0434388070 05 09/01/02 0 982701001 N 08/01/32 0 7925361 N47/G02 F 237,600.00 ZZ 360 237,405.24 1 7.000 1,580.76 80 6.750 1,580.76 ESTACADA OR 97023 5 07/26/02 00 0434394045 05 09/01/02 0 20420690 O 08/01/32 0 7925391 967/G02 F 101,250.00 ZZ 360 101,250.00 2 7.250 690.70 75 7.000 690.70 TACOMA WA 98418 5 08/02/02 00 0434388039 05 10/01/02 0 1 5626171 N 09/01/32 0 7925421 714/G02 F 597,000.00 ZZ 360 597,000.00 1 6.500 3,773.45 46 6.250 3,773.45 GREEN LAKE WI 54941 2 08/05/02 00 0434413258 05 10/01/02 0 231058100 O 09/01/32 0 7925579 721/G02 F 135,000.00 ZZ 360 134,897.27 1 7.375 932.42 90 7.125 932.42 MAPLE GROVE MN 55369 1 07/25/02 01 0434384913 09 09/01/02 25 7890825721 N 08/01/32 0 7925695 E46/G02 F 121,000.00 ZZ 240 120,756.95 1 6.625 911.07 68 6.375 911.07 ABSECON NJ 08201 2 07/17/02 00 0434383907 05 09/01/02 0 00512112 O 08/01/22 0 7925791 A21/G02 F 265,000.00 ZZ 360 265,000.00 1 7.000 1,763.06 65 6.750 1,763.06 EMERSON NJ 07630 1 08/06/02 00 0434385233 05 10/01/02 0 0100133178 O 09/01/32 0 7927109 883/G02 F 252,400.00 ZZ 360 252,221.86 1 7.750 1,808.22 78 7.500 1,808.22 LOXAHATCHEE FL 33470 4 07/31/02 00 0434408670 05 09/01/02 0 05014110 O 08/01/32 0 1 7927191 676/G02 F 182,200.00 T 300 181,966.04 1 6.750 1,258.84 73 6.500 1,258.84 WAILUKU HI 96793 1 07/26/02 00 0434497038 01 09/01/02 0 6002516940 O 08/01/27 0 7927343 F25/G02 F 786,500.00 ZZ 360 786,500.00 1 6.875 5,166.75 65 6.625 5,166.75 MOUNT KISCO NY 10549 1 08/08/02 00 0434394904 05 10/01/02 0 87522501 O 09/01/32 0 7927425 696/G02 F 148,800.00 ZZ 360 148,686.78 1 7.375 1,027.72 80 7.125 1,027.72 ALEXANDRIA VA 22312 1 08/02/02 00 0434385431 01 09/01/02 0 21702132 O 08/01/32 0 7927455 E47/G02 F 143,200.00 ZZ 360 143,079.70 1 6.875 940.72 80 6.625 940.72 WAUKEGAN IL 60087 5 07/24/02 00 0434404471 05 09/01/02 0 7360513857 O 08/01/32 0 7927519 X19/G02 F 160,000.00 T 360 160,000.00 1 7.750 1,146.26 76 7.500 1,146.26 JENSEN BEACH FL 34957 1 08/08/02 00 0434375622 08 10/01/02 0 22061403 O 09/01/32 0 7927899 E22/G02 F 156,750.00 ZZ 360 156,642.12 1 7.875 1,136.55 95 7.625 1,136.55 1 MODESTO CA 95355 5 07/25/02 04 0414269043 05 09/01/02 30 0414269043 O 08/01/32 0 7927919 E22/G02 F 92,650.00 ZZ 360 92,650.00 1 7.250 632.04 85 7.000 632.04 BOISE ID 83706 5 08/01/02 04 0414397018 05 10/01/02 12 0414397018 O 09/01/32 0 7927981 E22/G02 F 471,250.00 ZZ 360 470,925.69 1 7.875 3,416.89 68 7.625 3,416.89 DALLAS TX 75230 1 08/02/02 00 0414577650 03 09/01/02 0 0414577650 N 08/01/32 0 7928093 E82/G02 F 117,000.00 ZZ 360 117,000.00 1 6.875 768.61 70 6.625 768.61 NORCO CA 92860 2 08/05/02 00 0400652517 05 10/01/02 0 1948613 N 09/01/32 0 7928103 E82/G02 F 109,500.00 ZZ 360 109,500.00 1 7.000 728.51 17 6.750 728.51 WEST END NC 27376 2 08/06/02 00 0400639175 03 10/01/02 0 6596404 O 09/01/32 0 7928269 K15/G02 F 122,400.00 ZZ 360 122,400.00 1 7.750 876.89 90 7.500 876.89 LANCASTER SC 29720 5 07/30/02 11 0434374633 05 10/01/02 25 002305304122 O 09/01/32 0 1 7928379 X05/G02 F 336,000.00 ZZ 360 336,000.00 1 7.000 2,235.42 80 6.750 2,235.42 CHULA VISTA CA 91910 1 08/02/02 00 0434431060 05 10/01/02 0 01207180 O 09/01/32 0 7929869 M82/G02 F 165,000.00 ZZ 360 165,000.00 1 7.125 1,111.64 73 6.875 1,111.64 SUWANEE GA 30024 1 08/07/02 00 0434389672 05 10/01/02 0 10336 O 09/01/32 0 7929903 N74/G02 F 39,000.00 ZZ 360 39,000.00 1 7.125 262.75 60 6.875 262.75 LITTLE ROCK AR 72223 5 07/29/02 00 0434393351 05 10/01/02 0 0030519010 O 09/01/32 0 7929979 N74/G02 F 235,000.00 ZZ 360 235,000.00 1 6.375 1,466.09 82 6.125 1,466.09 STAUNTON VA 24401 5 07/30/02 10 0434391868 05 10/01/02 12 0030518010 O 09/01/32 0 7929983 588/G02 F 172,000.00 ZZ 360 171,730.85 1 7.250 1,173.34 72 7.000 1,173.34 PARSIPPANY TROY NJ 07054 5 06/21/02 00 0434406666 05 08/01/02 0 1065909 O 07/01/32 0 7930085 P01/G02 F 69,700.00 ZZ 300 69,612.23 1 1 6.875 487.09 88 6.625 487.09 TROY NY 12182 2 07/31/02 04 0434394516 05 09/05/02 25 02002978 O 08/05/27 0 7930097 X75/G02 F 96,000.00 ZZ 360 96,000.00 1 6.875 630.65 48 6.625 630.65 PITTSBURG CA 94565 5 07/31/02 00 0434375523 05 10/01/02 0 2070016 O 09/01/32 0 7930215 944/G02 F 150,100.00 ZZ 360 150,100.00 1 7.250 1,023.95 95 7.000 1,023.95 CHANDLER AZ 85226 5 08/05/02 04 0434393518 05 10/01/02 30 W01609915 O 09/01/32 0 7930381 964/G02 F 224,000.00 ZZ 360 223,807.14 1 6.750 1,452.86 80 6.500 1,452.86 ANTELOPE CA 95843 1 08/06/02 00 0434463923 05 09/01/02 0 235196 O 08/01/32 0 7930383 964/G02 F 270,000.00 ZZ 360 270,000.00 1 6.625 1,728.84 69 6.375 1,728.84 SAN LUIS OBISPO CA 93405 5 07/31/02 00 0434429882 05 10/01/02 0 235244 O 09/01/32 0 7930397 964/G02 F 225,000.00 ZZ 360 225,000.00 1 6.250 1,385.36 41 6.000 1,385.36 PLEASANT HILL CA 94523 1 08/06/02 00 0434426045 05 10/01/02 0 1 236257 O 09/01/32 0 7930405 964/G02 F 200,000.00 ZZ 360 200,000.00 1 6.375 1,247.74 74 6.125 1,247.74 MOUNTAIN VIEW CA 94050 1 08/06/02 00 0434433124 01 10/01/02 0 237130 O 09/01/32 0 7930419 964/G02 F 199,600.00 T 360 199,600.00 1 6.625 1,278.06 80 6.375 1,278.06 SHAVER LAKE CA 93664 1 08/01/02 00 0434433421 05 10/01/02 0 240806 O 09/01/32 0 7930421 964/G02 F 156,800.00 ZZ 360 156,665.00 1 6.750 1,017.00 80 6.500 1,017.00 PORTLAND OR 97212 1 07/31/02 00 0434411914 05 09/01/02 0 242256 N 08/01/32 0 7930423 964/G02 F 139,500.00 ZZ 360 139,500.00 1 6.875 916.42 90 6.625 916.42 CLOVIS CA 93612 1 08/07/02 01 0434445870 05 10/01/02 25 242405 O 09/01/32 0 7930427 964/G02 F 205,000.00 ZZ 360 204,831.96 1 7.000 1,363.87 57 6.750 1,363.87 SAN FRANCISCO CA 94134 2 07/22/02 00 0434412128 05 09/01/02 0 223076 O 08/01/32 0 1 7930433 964/G02 F 204,250.00 ZZ 360 204,250.00 3 7.000 1,358.88 95 6.750 1,358.88 WOOD VILLAGE OR 97060 1 08/02/02 04 0434423877 05 10/01/02 30 224173 O 09/01/32 0 7930439 964/G02 F 275,000.00 ZZ 360 274,768.96 1 6.875 1,806.56 37 6.625 1,806.56 SAN ANSELMO CA 94960 2 07/25/02 00 0434443693 05 09/01/02 0 225964 O 08/01/32 0 7930447 964/G02 F 123,700.00 ZZ 360 123,588.17 1 6.500 781.87 83 6.250 781.87 HENDERSON NV 89052 2 07/17/02 10 0434426342 05 09/01/02 12 227259 O 08/01/32 0 7930449 964/G02 F 300,700.00 ZZ 360 300,421.49 1 6.375 1,875.98 53 6.125 1,875.98 YORBA LINDA CA 92887 2 07/23/02 00 0434442984 05 09/01/02 0 227896 O 08/01/32 0 7930455 964/G02 F 95,000.00 ZZ 360 94,909.86 1 6.250 584.93 28 6.000 584.93 NIPOMO CA 93444 5 07/27/02 00 0434429551 05 09/01/02 0 207174 O 08/01/32 0 7930459 964/G02 F 125,000.00 ZZ 360 124,889.71 1 6.625 800.39 45 6.375 800.39 1 SALEM OR 97303 5 07/18/02 00 0434419206 05 09/01/02 0 228532 O 08/01/32 0 7930463 964/G02 F 150,000.00 ZZ 360 149,861.07 1 6.375 935.81 43 6.125 935.81 PASO ROBLES CA 93446 1 07/16/02 00 0434414017 05 09/01/02 0 228931 O 08/01/32 0 7930465 964/G02 F 200,000.00 ZZ 360 199,831.97 1 6.875 1,313.86 75 6.625 1,313.86 SAN LEANDRO CA 94578 2 07/26/02 00 0434445755 05 09/01/02 0 228954 O 08/01/32 0 7930467 964/G02 F 162,000.00 ZZ 360 161,867.21 1 7.000 1,077.79 60 6.750 1,077.79 TAHOMA CA 96142 2 07/26/02 00 0434416269 05 09/01/02 0 229504 O 08/01/32 0 7930469 964/G02 F 200,000.00 ZZ 360 199,827.80 1 6.750 1,297.20 58 6.500 1,297.20 RANCHO MURIETA CA 95683 2 07/26/02 00 0434417861 03 09/01/02 0 229565 O 08/01/32 0 7930471 964/G02 F 75,050.00 ZZ 360 75,050.00 1 6.875 493.03 43 6.625 493.03 GRESHAM OR 97080 5 08/01/02 00 0434429007 05 10/01/02 0 229627 O 09/01/32 0 1 7930473 964/G02 F 293,000.00 ZZ 360 292,728.62 1 6.375 1,827.94 59 6.125 1,827.94 HERCULES CA 94547 5 07/31/02 00 0434412490 03 09/01/02 0 229770 O 08/01/32 0 7930475 964/G02 F 161,250.00 ZZ 360 161,114.53 1 6.875 1,059.30 75 6.625 1,059.30 CAMERON PARK CA 95682 5 07/30/02 00 0434418943 05 09/01/02 0 229792 O 08/01/32 0 7930479 964/G02 F 238,700.00 ZZ 360 238,700.00 1 6.125 1,450.37 70 5.875 1,450.37 CITRUS HEIGHTS CA 95610 1 07/31/02 00 0434415105 05 10/01/02 0 230128 O 09/01/32 0 7930481 964/G02 F 195,000.00 ZZ 360 194,832.11 1 6.750 1,264.77 46 6.500 1,264.77 SAN FRANCISCO CA 94112 2 07/18/02 00 0434427761 05 09/01/02 0 230132 O 08/01/32 0 7930485 964/G02 F 273,000.00 ZZ 360 272,753.20 1 6.500 1,725.55 48 6.250 1,725.55 SEBASTOPOL CA 95472 5 07/30/02 00 0434429809 05 09/01/02 0 230831 O 08/01/32 0 7930487 964/G02 F 180,000.00 ZZ 360 179,856.06 1 1 7.125 1,212.69 80 6.875 1,212.69 MARYSVILLE WA 98270 2 07/23/02 00 0434429775 03 09/01/02 0 230921 O 08/01/32 0 7930491 964/G02 F 217,000.00 ZZ 360 216,817.69 1 6.875 1,425.54 75 6.625 1,425.54 ATASCADERO CA 93422 2 07/27/02 00 0434431227 05 09/01/02 0 231542 O 08/01/32 0 7930495 964/G02 F 142,500.00 ZZ 360 142,374.28 1 6.625 912.44 75 6.375 912.44 PORTLAND OR 97236 5 07/31/02 00 0434416970 05 09/01/02 0 232123 O 08/01/32 0 7930497 964/G02 F 155,000.00 ZZ 360 155,000.00 1 6.375 967.00 37 6.125 967.00 SAN LUIS OBISPO CA 93401 2 07/31/02 00 0434414660 05 10/01/02 0 232257 O 09/01/32 0 7930499 964/G02 F 275,000.00 ZZ 360 274,768.96 1 6.875 1,806.56 68 6.625 1,806.56 SAN JOSE CA 95119 2 07/29/02 00 0434417549 05 09/01/02 0 232289 O 08/01/32 0 7930505 964/G02 F 184,000.00 ZZ 360 183,852.86 2 7.125 1,239.64 80 6.875 1,239.64 BOISE ID 83709 1 07/24/02 00 0434452595 05 09/01/02 0 1 232396 N 08/01/32 0 7930507 964/G02 F 243,750.00 ZZ 360 243,750.00 1 6.625 1,560.76 75 6.375 1,560.76 HAWTHORNE (AREA CA 90250 5 08/01/02 00 0434443917 05 10/01/02 0 232418 O 09/01/32 0 7930511 964/G02 F 55,000.00 ZZ 360 55,000.00 1 6.375 343.13 17 6.125 343.13 SEATTLE WA 98103 5 08/01/02 00 0434412870 05 10/01/02 0 232732 O 09/01/32 0 7930513 964/G02 F 183,200.00 ZZ 360 183,053.50 1 7.125 1,234.25 80 6.875 1,234.25 BOISE ID 83709 1 07/24/02 00 0434452751 05 09/01/02 0 232754 N 08/01/32 0 7930517 964/G02 F 150,000.00 ZZ 360 149,870.85 1 6.750 972.90 58 6.500 972.90 TAOS NM 87571 5 07/25/02 00 0434425823 05 09/01/02 0 232858 O 08/01/32 0 7930519 964/G02 F 233,950.00 ZZ 360 233,950.00 1 6.875 1,536.89 75 6.625 1,536.89 PETALUMA CA 94954 5 07/30/02 00 0434463972 05 10/01/02 0 232869 O 09/01/32 0 1 7930523 964/G02 F 144,200.00 ZZ 360 144,200.00 1 6.625 923.33 75 6.375 923.33 EUGENE OR 97402 1 08/05/02 00 0434431045 05 10/01/02 0 233082 N 09/01/32 0 7930575 R84/G02 F 318,250.00 ZZ 360 317,976.00 1 6.750 2,064.16 95 6.500 2,064.16 KENT WA 98042 1 07/22/02 11 0434388062 05 09/01/02 25 700250 O 08/01/32 0 7930593 T29/G02 F 101,250.00 ZZ 360 101,180.32 2 7.875 734.13 75 7.625 734.13 PINETOP AZ 85935 5 07/30/02 00 0434401063 05 09/01/02 0 1210874 N 08/01/32 0 7930635 M27/G02 F 76,550.00 ZZ 360 76,487.25 1 7.000 509.29 80 6.750 509.29 MADISON TN 37115 5 07/31/02 00 0434394334 05 09/01/02 0 SUTHERLAND N 08/01/32 0 7930777 L76/G02 F 408,000.00 ZZ 360 408,000.00 1 6.500 2,578.84 79 6.250 2,578.84 LAKEVILLE MN 55044 2 08/09/02 00 0434388104 05 10/01/02 0 9507014 O 09/01/32 0 7931115 642/G02 F 73,800.00 ZZ 360 73,800.00 1 6.875 484.81 90 6.625 484.81 1 PUEBLO CO 81006 1 08/02/02 10 0434410791 05 10/01/02 25 07136802 O 09/01/32 0 7931223 B57/G02 F 469,000.00 ZZ 360 468,586.21 1 6.625 3,003.06 76 6.375 3,003.06 SANTA CLARITA CA 91321 5 07/31/02 00 0434498531 05 09/01/02 0 10004285 O 08/01/32 0 7931371 964/G02 F 47,250.00 ZZ 360 47,250.00 1 7.250 322.33 90 7.000 322.33 HOCKLEY TX 77447 1 08/05/02 12 0434425385 03 10/01/02 25 236139 N 09/01/32 0 7931375 964/G02 F 120,000.00 ZZ 360 120,000.00 1 6.875 788.31 80 6.625 788.31 HOUSTON TX 77077 1 08/01/02 00 0434428645 03 10/01/02 0 233430 N 09/01/32 0 7933735 E47/G02 F 117,600.00 ZZ 360 117,503.60 1 7.000 782.40 80 6.750 782.40 AUSTIN TX 78749 5 07/23/02 00 0434446506 01 09/01/02 0 7362511305 O 08/01/32 0 7933893 E47/G02 F 134,000.00 ZZ 360 133,884.63 1 6.750 869.12 59 6.500 869.12 DALLAS TX 75214 5 07/24/02 00 0434445789 05 09/01/02 0 7362511297 O 08/01/32 0 1 7934051 G51/G02 F 150,000.00 ZZ 360 149,870.85 1 6.750 972.90 75 6.500 972.90 WILLIAMSBURG VA 23185 1 07/25/02 00 0434465712 05 09/01/02 0 0593248 O 08/01/32 0 7934333 U05/G02 F 313,000.00 ZZ 360 312,737.04 1 6.875 2,056.19 88 6.625 2,056.19 DEMFRIES VA 22026 5 08/02/02 14 0434559589 03 09/01/02 25 3228949 O 08/01/32 0 7934345 111/111 F 314,000.00 ZZ 240 313,378.71 1 6.750 2,387.54 77 6.500 2,387.54 CHINO HILLS CA 91709 2 07/29/02 00 684001051711 05 09/01/02 0 684001051711 O 08/01/22 0 7934733 253/253 F 136,000.00 ZZ 360 135,877.05 1 6.500 859.62 80 6.250 859.62 ALLEN TX 75002 1 07/26/02 00 428043 05 09/01/02 0 428043 O 08/01/32 0 7935131 W68/G02 F 176,400.00 ZZ 360 176,255.41 1 7.000 1,173.59 90 6.750 1,173.59 PLANO TX 75023 1 07/24/02 28 0434450714 05 09/01/02 25 27750 O 08/01/32 0 7936587 286/286 F 270,000.00 ZZ 360 269,577.47 1 1 7.250 1,841.88 90 7.000 1,841.88 ALEXANDRIA VA 22312 1 06/28/02 11 1342991 05 08/01/02 25 1342991 O 07/01/32 0 7936589 286/286 F 169,450.00 ZZ 360 169,197.70 1 7.500 1,184.82 90 7.250 1,184.82 FORT MYERS FL 33912 1 06/28/02 12 1333581 03 08/01/02 25 1333581 N 07/01/32 0 7936591 286/286 F 167,300.00 ZZ 360 167,050.90 1 7.500 1,169.79 90 7.250 1,169.79 FORT MYERS FL 33912 1 06/28/02 12 1333582 03 08/01/02 25 1333582 N 07/01/32 0 7936599 286/286 F 250,000.00 ZZ 360 249,578.72 1 6.875 1,642.33 56 6.625 1,642.33 ASHLAND OR 97520 2 06/20/02 00 1333570 05 08/01/02 0 1333570 O 07/01/32 0 7936601 286/286 F 142,320.00 ZZ 360 142,097.27 1 7.250 970.88 80 7.000 970.88 OVIEDO FL 32765 1 06/25/02 00 1309702 03 08/01/02 0 1309702 O 07/01/32 0 7936603 286/286 F 160,000.00 ZZ 360 159,736.92 1 7.000 1,064.49 80 6.750 1,064.49 CITRUS HEIGHTS CA 95621 1 06/26/02 00 801307 05 08/01/02 0 1 801307 O 07/01/32 0 7936605 286/286 F 388,000.00 ZZ 360 387,324.95 1 7.125 2,614.03 80 6.875 2,614.03 CHULA VISTA CA 91910 1 06/20/02 00 1351074 05 08/01/02 0 1351074 O 07/01/32 0 7936607 286/286 F 400,000.00 ZZ 360 399,672.12 1 7.000 2,661.21 80 6.750 2,661.21 EUGENE OR 97402 5 06/27/02 00 1297927 05 09/01/02 0 1297927 O 08/01/32 0 7936619 286/286 F 164,300.00 ZZ 360 164,036.44 1 7.125 1,106.92 80 6.875 1,106.92 NAPLES FL 34119 1 06/26/02 00 1335549 05 08/01/02 0 1335549 N 07/01/32 0 7936623 286/286 F 246,400.00 ZZ 360 246,014.40 2 7.250 1,680.89 85 7.000 1,680.89 PORTSMOUTH NH 03801 1 06/28/02 12 1299715 05 08/01/02 12 1299715 O 07/01/32 0 7936627 286/286 F 58,400.00 ZZ 360 58,319.34 1 7.875 423.45 80 7.625 423.45 W HARTFORD CT 06107 1 06/26/02 00 1353097 01 08/01/02 0 1353097 N 07/01/32 0 1 7936629 286/286 F 56,250.00 ZZ 360 56,164.14 1 7.375 388.50 75 7.125 388.50 PHOENIX AZ 85018 5 06/14/02 00 1333601 01 08/01/02 0 1333601 N 07/01/32 0 7936633 286/286 F 227,200.00 ZZ 360 226,746.42 1 7.000 1,511.57 80 6.750 1,511.57 BEL AIR MD 21015 1 06/27/02 00 1272974 03 08/01/02 0 1272974 O 07/01/32 0 7936637 286/286 F 44,000.00 ZZ 360 43,934.48 1 7.500 307.66 80 7.250 307.66 ST CLOUD FL 34764 1 06/25/02 00 1355749 05 08/01/02 0 1355749 N 07/01/32 0 7936639 286/286 F 52,000.00 ZZ 360 51,961.40 1 7.500 363.60 80 7.250 363.60 KISSIMMEE FL 34741 1 07/10/02 00 1398350 05 09/01/02 0 1398350 N 08/01/32 0 7936645 286/286 F 299,950.00 ZZ 360 299,698.00 1 6.875 1,970.46 80 6.625 1,970.46 FOLSOM CA 95630 1 07/09/02 00 1396057 05 09/01/02 0 1396057 O 08/01/32 0 7936649 286/286 F 179,000.00 ZZ 360 178,712.85 1 7.125 1,205.96 77 6.875 1,205.96 1 HURST TX 76180 2 06/28/02 00 1008827 05 08/01/02 0 1008827 N 07/01/32 0 7936651 286/286 F 227,000.00 ZZ 360 226,635.84 1 7.125 1,529.35 80 6.875 1,529.35 HURST TX 76180 2 06/28/02 00 1008842 05 08/01/02 0 1008842 N 07/01/32 0 7936653 286/286 F 62,900.00 ZZ 360 62,850.93 1 7.250 429.09 90 7.000 429.09 ERIE PA 16504 1 07/11/02 12 1373723 05 09/01/02 25 1373723 O 08/01/32 0 7936659 286/286 F 41,750.00 ZZ 360 41,719.78 1 7.625 295.51 85 7.375 295.51 PHILADELPHIA PA 19126 1 07/09/02 12 1075835 05 09/01/02 12 1075835 O 08/01/32 0 7936661 286/286 F 154,800.00 ZZ 360 154,569.50 3 7.500 1,082.39 90 7.250 1,082.39 WATERBURY CT 06708 1 07/03/02 12 1065870 05 08/01/02 25 1065870 N 07/01/32 0 7936665 286/286 F 115,000.00 ZZ 360 114,820.02 2 7.250 784.51 63 7.000 784.51 CHICAGO IL 60623 5 06/24/02 00 1337301 05 08/01/02 0 1337301 N 07/01/32 0 1 7936667 286/286 F 204,250.00 ZZ 360 203,974.98 3 8.000 1,498.72 95 7.750 1,498.72 CHICAGO IL 60619 1 06/28/02 10 1353372 05 08/01/02 35 1353372 O 07/01/32 0 7936675 286/286 F 47,250.00 ZZ 360 47,184.74 1 7.875 342.60 75 7.625 342.60 INDIANAPOLIS IN 46205 5 06/27/02 00 1350633 05 08/01/02 0 1350633 N 07/01/32 0 7936677 286/286 F 46,500.00 ZZ 360 46,435.79 1 7.875 337.16 75 7.625 337.16 INDIANAPOLIS IN 46218 5 06/27/02 00 1350708 05 08/01/02 0 1350708 N 07/01/32 0 7936679 286/286 F 45,000.00 ZZ 360 44,937.84 1 7.875 326.29 75 7.625 326.29 INDIANAPOLIS IN 46218 5 06/27/02 00 1350717 05 08/01/02 0 1350717 N 07/01/32 0 7936683 286/286 F 146,250.00 ZZ 360 146,124.08 1 6.750 948.58 75 6.500 948.58 DAYTONA BEACH FL 32127 1 07/01/02 00 1328271 03 09/01/02 0 1328271 N 08/01/32 0 7936687 286/286 F 300,000.00 ZZ 360 299,518.76 1 1 7.125 2,021.16 75 6.875 2,021.16 GLASTONBURY CT 06033 1 06/28/02 00 1357649 05 08/01/02 0 1357649 O 07/01/32 0 7936689 286/286 F 228,000.00 ZZ 360 179,920.13 1 7.375 1,574.74 62 7.125 1,574.74 GOLDEN CO 80403 2 06/11/02 00 1335580 03 08/01/02 0 1335580 N 07/01/32 0 7936691 286/286 F 56,000.00 ZZ 360 55,914.51 1 7.375 386.78 66 7.125 386.78 WARREN MI 48089 2 07/01/02 00 1353383 05 08/01/02 0 1353383 N 07/01/32 0 7936697 286/286 F 500,000.00 ZZ 360 499,547.98 1 6.500 3,160.35 51 6.250 3,160.35 MIAMI FL 33156 5 07/01/02 00 1353430 05 09/01/02 0 1353430 O 08/01/32 0 7936701 286/286 F 75,600.00 ZZ 360 75,478.72 1 7.125 509.34 90 6.875 509.34 NEWPORTS NEWS VA 23606 1 06/28/02 10 1325495 05 08/01/02 25 1325495 N 07/01/32 0 7936707 286/286 F 40,000.00 ZZ 360 39,972.47 2 7.875 290.03 80 7.625 290.03 MUNCIE IN 47302 5 07/19/02 00 1414171 05 09/01/02 0 1 1414171 N 08/01/32 0 7936711 286/286 F 115,200.00 ZZ 360 115,105.57 1 7.000 766.43 80 6.750 766.43 BLOOMINGTON IL 61701 1 07/03/02 00 1302198 05 09/01/02 0 1302198 O 08/01/32 0 7936713 286/286 F 200,000.00 ZZ 360 199,847.81 1 7.375 1,381.36 80 7.125 1,381.36 MESA AZ 85204 1 07/03/02 00 1392538 05 09/01/02 0 1392538 O 08/01/32 0 7936715 286/286 F 130,500.00 ZZ 360 130,410.19 2 7.875 946.22 90 7.625 946.22 HIGHLANDS NJ 07732 1 07/02/02 12 1310028 05 09/01/02 25 1310028 N 08/01/32 0 7936717 286/286 F 382,500.00 ZZ 360 381,707.76 1 7.000 2,544.79 69 6.750 2,544.79 PHOENIX AZ 85028 2 06/27/02 00 1346263 05 08/01/02 0 1346263 N 07/01/32 0 7936719 286/286 F 422,100.00 ZZ 360 421,405.98 1 7.000 2,808.25 90 6.750 2,808.25 RYE NH 03870 1 06/26/02 12 1322270 05 08/01/02 25 1322270 O 07/01/32 0 1 7936721 286/286 F 67,500.00 ZZ 360 67,396.95 1 7.375 466.21 90 7.125 466.21 INDIANAPOLIS IN 46239 1 07/01/02 12 1322655 05 08/01/02 25 1322655 N 07/01/32 0 7936723 286/286 F 90,000.00 ZZ 360 89,844.58 1 6.750 583.74 36 6.500 583.74 CINCINNATI OH 45242 1 07/03/02 00 1331874 05 08/01/02 0 1331874 O 07/01/32 0 7936725 286/286 F 100,000.00 ZZ 360 99,828.46 1 7.125 673.72 80 6.875 673.72 GLENSIDE PA 19038 1 06/28/02 00 1045071 05 08/01/02 0 1045071 O 07/01/32 0 7936727 286/286 F 117,650.00 ZZ 360 117,461.28 1 7.125 792.63 75 6.875 792.63 HICKORY NC 28602 5 06/27/02 00 1096596 05 08/01/02 0 1096596 N 07/01/32 0 7936729 286/286 F 116,900.00 ZZ 360 116,707.80 1 7.000 777.74 75 6.750 777.74 HICKORY NC 28602 5 06/27/02 00 1100615 05 08/01/02 0 1100615 N 07/01/32 0 7936731 286/286 F 119,900.00 ZZ 360 119,702.86 1 7.000 797.70 75 6.750 797.70 1 HICKORY NC 28602 5 06/27/02 00 1100698 05 08/01/02 0 1100698 N 07/01/32 0 7936733 286/286 F 174,600.00 ZZ 360 174,479.83 4 7.875 1,265.98 90 7.625 1,265.98 SPRINGFIELD MA 01105 1 07/08/02 11 1360844 05 09/01/02 25 1360844 N 08/01/32 0 7936739 286/286 F 98,400.00 ZZ 360 98,210.15 1 6.750 638.23 80 6.500 638.23 ARLINGTON TX 76017 1 07/01/02 00 1374509 05 08/01/02 0 1374509 N 07/01/32 0 7936743 286/286 F 160,000.00 ZZ 360 128,685.97 1 8.000 1,174.03 32 7.750 1,174.03 OAK BROOK IL 60523 5 06/28/02 00 1348771 05 09/01/02 0 1348771 O 08/01/32 0 7936751 286/286 F 68,600.00 ZZ 360 68,493.72 1 7.375 473.81 80 7.125 473.81 SALEM VA 24153 1 06/28/02 00 1362605 05 08/01/02 0 1362605 N 07/01/32 0 7936755 286/286 F 128,500.00 ZZ 360 128,288.71 1 7.000 854.92 75 6.750 854.92 BURLINGTON KY 41005 2 06/24/02 00 1340624 05 08/01/02 0 1340624 O 07/01/32 0 1 7936763 286/286 F 180,000.00 ZZ 360 179,841.19 1 6.625 1,152.56 80 6.375 1,152.56 BOSSIER CITY LA 71111 1 07/08/02 00 1384132 05 09/01/02 0 1384132 O 08/01/32 0 7936765 286/286 F 48,750.00 ZZ 360 48,680.94 1 7.750 349.26 72 7.500 349.26 INDIANAPOLIS IN 46222 5 06/13/02 00 1319782 05 08/01/02 0 1319782 N 07/01/32 0 7936769 286/286 F 247,500.00 ZZ 360 247,102.99 4 7.125 1,667.45 90 6.875 1,667.45 CEDAR CITY UT 84720 1 06/07/02 11 804053 05 08/01/02 25 804053 N 07/01/32 0 7936775 286/286 F 123,200.00 ZZ 360 123,016.55 4 7.500 861.44 80 7.250 861.44 BURRILLVILLE RI 02859 1 06/26/02 00 1333446 05 08/01/02 0 1333446 N 07/01/32 0 7936777 286/286 F 101,650.00 ZZ 360 101,494.82 1 7.375 702.08 90 7.125 702.08 LITCHFIELD AZ 85340 1 06/11/02 12 1326013 05 08/01/02 25 1326013 N 07/01/32 0 7936785 286/286 F 650,000.00 ZZ 360 648,904.71 1 1 6.875 4,270.04 74 6.625 4,270.04 KEY WEST FL 33040 2 06/21/02 00 1379098 05 08/01/02 0 1379098 O 07/01/32 0 7936791 286/286 F 50,000.00 ZZ 360 49,929.19 1 7.750 358.21 84 7.500 358.21 CAPE GIRARDEAN MO 63701 5 06/24/02 11 1346254 05 08/01/02 12 1346254 O 07/01/32 0 7936793 286/286 F 87,920.00 ZZ 360 87,719.56 1 7.125 592.34 80 6.875 592.34 INDIANAPOLIS IN 46268 1 06/28/02 00 1319097 05 08/01/02 0 1319097 O 07/01/32 0 7936797 286/286 F 300,700.00 ZZ 360 300,229.42 4 7.250 2,051.31 65 7.000 2,051.31 LONG BEACH CA 90804 1 06/25/02 00 1346966 05 08/01/02 0 1346966 N 07/01/32 0 7936799 286/286 F 57,500.00 ZZ 360 57,420.58 1 7.875 416.92 88 7.625 416.92 ELWOOD IN 46036 2 06/18/02 11 1335851 05 08/01/02 25 1335851 O 07/01/32 0 7936801 286/286 F 212,400.00 ZZ 360 212,050.78 1 7.000 1,413.10 90 6.750 1,413.10 HOUSTON TX 77079 1 06/24/02 10 1355626 03 08/01/02 25 1 1355626 O 07/01/32 0 7936803 286/286 F 284,250.00 ZZ 360 283,826.76 1 7.500 1,987.52 75 7.250 1,987.52 FOUNTAIN HILLS AZ 85268 5 06/07/02 00 1346166 05 08/01/02 0 1346166 O 07/01/32 0 7936811 286/286 F 136,000.00 ZZ 360 135,882.90 1 6.750 882.10 80 6.500 882.10 SHREVEPORT LA 71118 1 07/11/02 00 1381198 05 09/01/02 0 1381198 O 08/01/32 0 7936819 286/286 F 117,000.00 ZZ 360 116,787.89 1 6.500 739.52 90 6.250 739.52 HOUSTON TX 77082 1 06/25/02 11 1373902 03 08/01/02 25 1373902 N 07/01/32 0 7936823 286/286 F 143,200.00 ZZ 360 143,103.92 1 8.000 1,050.76 80 7.750 1,050.76 PHOENIX AZ 85021 1 07/09/02 00 1386774 05 09/01/02 0 1386774 N 08/01/32 0 7936827 286/286 F 142,400.00 ZZ 360 142,277.39 1 6.750 923.61 80 6.500 923.61 GRANTVILLE PA 17938 1 07/12/02 00 1360641 05 09/01/02 0 1360641 O 08/01/32 0 1 7936833 286/286 F 188,000.00 ZZ 360 187,698.41 1 7.125 1,266.60 79 6.875 1,266.60 HAMPSTEAD MD 21074 2 06/24/02 00 1327751 05 08/01/02 0 1327751 O 07/01/32 0 7936837 286/286 F 353,700.00 ZZ 360 353,173.35 3 7.500 2,473.13 90 7.250 2,473.13 DORCHESTER MA 02121 1 06/26/02 12 1070529 05 08/01/02 25 1070529 O 07/01/32 0 7936847 286/286 F 174,000.00 ZZ 360 173,668.00 1 7.250 1,186.99 80 7.000 1,186.99 WOODBRIDGE VA 22192 5 06/24/02 00 1329463 03 08/01/02 0 1329463 N 07/01/32 0 7936849 286/286 F 156,000.00 ZZ 360 155,889.89 1 7.750 1,117.61 80 7.500 1,117.61 PORT READING NJ 07064 1 07/08/02 00 1325478 05 09/01/02 0 1325478 N 08/01/32 0 7936851 286/286 F 165,600.00 ZZ 360 165,371.31 3 7.875 1,200.72 90 7.625 1,200.72 LOCKPORT IL 60441 1 06/25/02 11 1341561 05 08/01/02 25 1341561 N 07/01/32 0 7936855 286/286 F 128,250.00 ZZ 360 128,072.88 3 7.875 929.91 95 7.625 929.91 1 MERIDEN CT 06451 1 07/02/02 14 1319214 05 08/01/02 30 1319214 O 07/01/32 0 7936857 286/286 F 123,250.00 ZZ 360 123,047.35 1 7.000 819.99 90 6.750 819.99 GILBERT AZ 85236 1 06/27/02 12 1344461 03 08/01/02 25 1344461 N 07/01/32 0 7936861 286/286 F 82,950.00 ZZ 360 82,826.49 1 7.500 580.00 79 7.250 580.00 WESTBROOK ME 04021 1 07/02/02 00 1355836 01 08/01/02 0 1355836 N 07/01/32 0 7936863 286/286 F 46,200.00 ZZ 360 46,132.89 1 7.625 327.01 80 7.375 327.01 TAYLOR MI 48180 1 06/25/02 00 1332601 05 08/01/02 0 1332601 N 07/01/32 0 7936867 286/286 F 216,000.00 ZZ 360 215,678.38 4 7.500 1,510.31 80 7.250 1,510.31 CHICAGO IL 60608 5 06/26/02 00 1348829 05 08/01/02 0 1348829 O 07/01/32 0 7936873 286/286 F 37,800.00 ZZ 360 37,743.08 1 8.000 277.37 90 7.750 277.37 LAKE VILLAGE AR 71653 5 06/28/02 11 1298808 05 08/01/02 25 1298808 O 07/01/32 0 1 7936875 286/286 F 105,600.00 ZZ 360 105,525.46 1 7.750 756.54 80 7.500 756.54 CROOKED RIVER R OR 97760 1 07/03/02 00 1395443 03 09/01/02 0 1395443 N 08/01/32 0 7936877 286/286 F 162,400.00 ZZ 360 162,119.55 1 6.750 1,053.33 78 6.500 1,053.33 DALLAS TX 75206 1 06/26/02 00 1332781 05 08/01/02 0 1332781 O 07/01/32 0 7936879 286/286 F 142,400.00 ZZ 360 142,286.12 1 7.125 959.38 80 6.875 959.38 HOLLAND MI 49423 1 07/02/02 00 1320305 05 09/01/02 0 1320305 O 08/01/32 0 7936883 286/286 F 148,000.00 ZZ 360 147,651.67 1 7.000 984.65 95 6.750 984.65 JUPITER FL 33458 5 06/19/02 21 1346868 03 08/01/02 25 1346868 O 07/01/32 0 7936885 286/286 F 266,300.00 ZZ 360 263,944.07 1 7.125 1,794.12 80 6.875 1,794.12 KENNETT SQUARE PA 19348 1 06/25/02 00 1045028 05 08/01/02 0 1045028 O 07/01/32 0 7936887 286/286 F 50,400.00 ZZ 360 50,321.12 1 1 7.250 343.82 90 7.000 343.82 GOOSE CREEK SC 29445 1 07/02/02 10 1354077 05 08/01/02 25 1354077 N 07/01/32 0 7936889 286/286 F 240,000.00 ZZ 360 239,585.56 1 6.750 1,556.64 74 6.500 1,556.64 CAREFREE AZ 85377 5 06/26/02 00 1355322 05 08/01/02 0 1355322 O 07/01/32 0 7936891 286/286 F 90,900.00 ZZ 360 90,832.54 1 7.500 635.59 90 7.250 635.59 GRANTSVILLE UT 84074 1 07/03/02 11 1361935 05 09/01/02 25 1361935 N 08/01/32 0 7936893 286/286 F 161,600.00 ZZ 360 161,353.30 3 7.375 1,116.14 80 7.125 1,116.14 MANCHESTER NH 03101 1 06/28/02 00 1333311 05 08/01/02 0 1333311 N 07/01/32 0 7936895 286/286 F 119,920.00 ZZ 360 119,727.53 1 7.125 807.92 80 6.875 807.92 BUTLER KY 41006 1 06/28/02 00 1353763 05 08/01/02 0 1353763 O 07/01/32 0 7936897 286/286 F 39,000.00 ZZ 360 38,917.79 1 7.875 282.78 67 7.625 282.78 STAFFORD VA 22554 1 06/25/02 00 1372026 05 08/01/02 0 1 1372026 N 07/01/32 0 7936899 286/286 F 89,000.00 ZZ 360 88,857.23 1 7.125 599.61 72 6.875 599.61 DEBARY FL 32713 1 07/03/02 00 520550 05 08/01/02 0 520550 O 07/01/32 0 7936905 286/286 F 198,900.00 ZZ 360 198,507.16 3 7.500 1,390.74 90 7.250 1,390.74 SPARKS NV 89431 1 06/21/02 14 803367 05 08/01/02 25 803367 N 07/01/32 0 7936907 286/286 F 256,500.00 ZZ 360 256,108.44 4 7.375 1,771.59 90 7.125 1,771.59 GEORGETOWN TX 78626 2 07/03/02 11 1344756 05 08/01/02 25 1344756 N 07/01/32 0 7936911 286/286 F 465,000.00 ZZ 360 464,041.88 1 7.125 3,132.79 74 6.875 3,132.79 SURGAR LOAF KEY FL 33042 2 06/18/02 00 1371497 05 08/01/02 0 1371497 O 07/01/32 0 7936913 286/286 F 271,800.00 ZZ 360 271,374.65 4 7.250 1,854.16 90 7.000 1,854.16 AURORA CO 80010 1 07/02/02 12 1359204 05 08/01/02 25 1359204 N 07/01/32 0 1 7936921 286/286 F 250,250.00 ZZ 360 249,877.17 4 7.500 1,749.79 65 7.250 1,749.79 NEWARK NJ 07105 5 06/28/02 00 1334677 05 08/01/02 0 1334677 N 07/01/32 0 7936923 286/286 F 235,000.00 ZZ 360 234,643.21 2 7.500 1,643.16 53 7.250 1,643.16 MONTCLAIR NJ 07109 5 06/28/02 00 1334681 05 08/01/02 0 1334681 N 07/01/32 0 7936925 286/286 F 128,950.00 ZZ 360 128,838.97 1 6.750 836.37 80 6.500 836.37 SUGAR LAND TX 77478 1 07/05/02 00 1371877 03 09/01/02 0 1371877 O 08/01/32 0 7936927 286/286 F 316,000.00 ZZ 360 315,496.68 3 7.375 2,182.54 80 7.125 2,182.54 SKOKIE IL 60076 1 06/27/02 00 1386704 05 08/01/02 0 1386704 N 07/01/32 0 7936929 286/286 F 436,000.00 ZZ 360 435,334.42 1 7.375 3,011.35 80 7.125 3,011.35 INDIANAPOLIS IN 46260 5 06/20/02 00 1346106 05 08/01/02 0 1346106 O 07/01/32 0 7936931 286/286 F 117,900.00 ZZ 360 117,675.03 1 7.250 804.29 90 7.000 804.29 1 PHOENIX AZ 85016 1 06/24/02 12 1379632 05 08/01/02 25 1379632 N 07/01/32 0 7936935 286/286 F 133,050.00 ZZ 360 132,758.86 1 7.250 907.64 90 7.000 907.64 GLENN HEIGHTS TX 75154 1 06/27/02 11 1334572 03 08/01/02 25 1334572 N 07/01/32 0 7936941 286/286 F 134,100.00 ZZ 360 133,778.11 1 7.250 914.80 90 7.000 914.80 FORT WORTH TX 76137 1 06/27/02 11 1354325 05 08/01/02 25 1354325 N 07/01/32 0 7936943 286/286 F 340,000.00 ZZ 360 339,440.98 1 7.000 2,262.03 85 6.750 2,262.03 NORTH BRUNSWICK NJ 08902 1 06/28/02 12 1095426 05 08/01/02 12 1095426 O 07/01/32 0 7936951 286/286 F 388,000.00 ZZ 360 386,647.26 1 7.875 2,813.27 65 7.625 2,813.27 GILLBERT AZ 85296 2 03/21/02 00 1070780 03 05/01/02 0 1070780 O 04/01/32 0 7936953 286/286 F 51,600.00 ZZ 360 51,523.16 1 7.500 360.80 80 7.250 360.80 MIAMI FL 33126 1 07/02/02 00 1351752 01 08/01/02 0 1351752 N 07/01/32 0 1 7936957 286/286 F 382,000.00 ZZ 360 381,416.87 1 7.375 2,638.38 55 7.125 2,638.38 SUNNY ISLES BEA FL 33160 5 06/24/02 00 1382234 05 08/01/02 0 1382234 O 07/01/32 0 7936961 286/286 F 229,400.00 ZZ 360 229,041.00 3 7.250 1,564.92 90 7.000 1,564.92 MANCHESTER NH 03103 1 07/02/02 11 1331967 05 08/01/02 25 1331967 N 07/01/32 0 7936963 286/286 F 196,500.00 ZZ 360 196,176.92 2 7.000 1,307.32 75 6.750 1,307.32 ATLANTA GA 30312 2 06/27/02 00 1339845 05 08/01/02 0 1339845 N 07/01/32 0 7936965 286/286 F 186,500.00 ZZ 360 186,193.36 2 7.000 1,240.79 72 6.750 1,240.79 ATLANTA GA 30310 2 06/27/02 00 1339846 05 08/01/02 0 1339846 N 07/01/32 0 7936967 286/286 F 190,000.00 ZZ 360 189,687.61 2 7.000 1,264.08 75 6.750 1,264.08 ATLANTA GA 30312 2 06/27/02 00 1339847 05 08/01/02 0 1339847 N 07/01/32 0 7936971 286/286 F 126,318.00 ZZ 360 126,214.45 1 1 7.000 840.40 85 6.750 840.40 YOUNGSTOWN OH 44514 1 07/08/02 12 1393017 01 09/01/02 12 1393017 O 08/01/32 0 7936975 286/286 F 300,700.00 ZZ 360 300,471.18 1 7.375 2,076.87 79 7.125 2,076.87 POTOMAC FALLS VA 20165 1 07/10/02 00 1311473 05 09/01/02 0 1311473 O 08/01/32 0 7936977 286/286 F 116,000.00 ZZ 360 115,813.91 1 7.125 781.52 80 6.875 781.52 MESA AZ 85208 2 06/21/02 00 1355915 03 08/01/02 0 1355915 N 07/01/32 0 7936981 286/286 F 354,000.00 ZZ 360 353,511.16 1 7.875 2,566.75 80 7.625 2,566.75 FREMONT CA 94538 5 06/24/02 00 1336509 05 08/01/02 0 1336509 O 07/01/32 0 7936985 286/286 F 166,500.00 ZZ 360 166,245.84 1 7.375 1,149.97 90 7.125 1,149.97 HOUSTON TX 77007 1 06/24/02 11 1358866 05 08/01/02 25 1358866 N 07/01/32 0 7936987 286/286 F 116,700.00 ZZ 360 116,521.85 1 7.375 806.02 80 7.125 806.02 GREENSBORO NC 27410 1 06/28/02 00 1310259 05 08/01/02 0 1 1310259 O 07/01/32 0 7936989 286/286 F 68,000.00 ZZ 360 67,879.18 1 7.750 487.17 80 7.500 487.17 WEST PALM BEACH FL 33406 1 06/28/02 00 1350988 05 08/01/02 0 1350988 N 07/01/32 0 7936993 286/286 F 229,850.00 ZZ 360 229,679.41 4 7.500 1,607.15 90 7.250 1,607.15 ENUMCLAW WA 98022 1 07/18/02 12 1347165 05 09/01/02 25 1347165 N 08/01/32 0 7936995 286/286 F 196,000.00 ZZ 360 195,661.53 3 6.750 1,271.26 80 6.500 1,271.26 BERWYN IL 60402 1 06/25/02 00 1340672 05 08/01/02 0 1340672 O 07/01/32 0 7936999 286/286 F 50,000.00 ZZ 360 49,915.74 1 6.875 328.47 58 6.625 328.47 INDIANAPOLIS IN 46227 1 06/26/02 00 1332117 05 08/01/02 0 1332117 N 07/01/32 0 7937001 286/286 F 78,750.00 ZZ 360 78,632.73 1 7.500 550.64 75 7.250 550.64 LOS BANOS CA 93635 5 06/26/02 00 800994 05 08/01/02 0 800994 N 07/01/32 0 1 7937003 286/286 F 300,000.00 ZZ 360 299,585.73 1 7.875 2,175.21 60 7.625 2,175.21 CHANDLER AZ 85249 1 06/25/02 00 1344076 03 08/01/02 0 1344076 N 07/01/32 0 7937005 286/286 F 96,850.00 ZZ 360 96,705.79 1 7.500 677.19 80 7.250 677.19 MEDFORD OR 97504 1 06/26/02 00 1356806 05 08/01/02 0 1356806 O 07/01/32 0 7937009 286/286 F 129,200.00 ZZ 360 128,982.28 1 6.875 848.76 80 6.625 848.76 NEWARK OH 43055 1 06/28/02 00 1309963 05 08/01/02 0 1309963 O 07/01/32 0 7937011 286/286 F 400,000.00 ZZ 360 399,358.34 2 7.125 2,694.88 73 6.875 2,694.88 EL CERRITO CA 94530 5 06/21/02 00 800630 05 08/01/02 0 800630 O 07/01/32 0 7937017 286/286 F 125,000.00 ZZ 360 124,822.97 3 7.750 895.52 90 7.500 895.52 FALL RIVER MA 02721 1 06/28/02 14 1342024 05 08/01/02 25 1342024 N 07/01/32 0 7937019 286/286 F 124,000.00 ZZ 360 123,795.21 1 7.000 824.98 80 6.750 824.98 1 COLUMBIA MD 21044 1 06/28/02 00 1350192 03 08/01/02 0 1350192 O 07/01/32 0 7937031 286/286 F 60,000.00 ZZ 360 59,957.65 1 7.750 429.85 80 7.500 429.85 BARNESVILLE GA 30204 1 07/09/02 00 1385627 05 09/01/02 0 1385627 N 08/01/32 0 7937037 286/286 F 265,800.00 ZZ 360 265,384.04 1 7.250 1,813.23 84 7.000 1,813.23 SAN DIEGO CA 92122 2 06/13/02 11 1299601 01 08/01/02 12 1299601 O 07/01/32 0 7937039 286/286 F 30,000.00 ZZ 360 29,931.09 1 7.375 207.20 36 7.125 207.20 DULUTH MN 55806 5 06/27/02 00 1352996 05 08/01/02 0 1352996 O 07/01/32 0 7937051 286/286 F 113,000.00 ZZ 360 112,823.17 1 7.250 770.86 80 7.000 770.86 OREM UT 84057 2 06/26/02 00 1376757 05 08/01/02 0 1376757 N 07/01/32 0 7937055 286/286 F 75,000.00 ZZ 360 74,876.68 1 7.000 498.98 33 6.750 498.98 ALTO NM 88312 5 06/21/02 00 1353364 05 08/01/02 0 1353364 O 07/01/32 0 1 7937057 286/286 F 98,400.00 ZZ 360 98,216.83 1 6.750 638.23 80 6.500 638.23 MEDFORD OR 97501 1 06/25/02 00 1344705 05 08/01/02 0 1344705 O 07/01/32 0 7937059 286/286 F 330,500.00 ZZ 360 329,896.47 1 7.125 2,226.64 80 6.875 2,226.64 SAN LUIS OBISPO CA 93405 1 06/25/02 00 1333126 05 08/01/02 0 1333126 O 07/01/32 0 7937061 286/286 F 112,500.00 ZZ 360 112,332.49 2 7.500 786.62 75 7.250 786.62 SKIATOOK OK 74070 5 06/27/02 00 1332702 05 08/01/02 0 1332702 N 07/01/32 0 7937063 286/286 F 131,000.00 ZZ 360 130,804.93 2 7.500 915.98 73 7.250 915.98 SKIATOOK OK 74070 5 06/27/02 00 1332708 05 08/01/02 0 1332708 N 07/01/32 0 7937065 286/286 F 224,000.00 ZZ 360 223,622.53 1 6.875 1,471.53 60 6.625 1,471.53 CHARLOTTE NC 28207 5 06/28/02 00 1351137 05 08/01/02 0 1351137 N 07/01/32 0 7937069 286/286 F 30,305.00 ZZ 360 30,258.74 1 1 7.375 209.31 95 7.125 209.31 WATERBURY CT 06710 1 06/28/02 12 1330045 01 08/01/02 30 1330045 O 07/01/32 0 7937071 286/286 F 69,500.00 ZZ 360 69,303.70 1 7.875 503.92 80 7.625 503.92 COLUMBUS OH 43229 1 06/14/02 00 1347382 05 08/01/02 0 1347382 O 07/01/32 0 7937077 286/286 F 300,700.00 ZZ 360 300,196.10 1 7.000 2,000.57 64 6.750 2,000.57 SAN DIEGO CA 92128 2 06/18/02 00 1347400 03 08/01/02 0 1347400 O 07/01/32 0 7937085 286/286 F 376,000.00 ZZ 360 375,684.11 1 6.875 2,470.06 80 6.625 2,470.06 CORAL SPRINGS FL 33065 1 07/10/02 00 1361655 05 09/01/02 0 1361655 N 08/01/32 0 7937087 286/286 F 178,200.00 ZZ 360 177,960.06 2 8.000 1,307.57 90 7.750 1,307.57 NEWARK NJ 07102 1 07/02/02 21 1388242 05 08/01/02 25 1388242 N 07/01/32 0 7937089 286/286 F 199,000.00 ZZ 360 198,844.75 1 7.250 1,357.54 86 7.000 1,357.54 BOTHELL WA 98011 2 07/01/02 11 1359424 01 09/01/02 25 1 1359424 O 08/01/32 0 7937091 286/286 F 188,000.00 ZZ 300 187,224.37 1 6.875 1,313.80 79 6.625 1,313.80 ROANOKE VA 24018 5 06/21/02 00 1325230 05 08/01/02 0 1325230 O 07/01/27 0 7937093 286/286 F 468,000.00 ZZ 360 467,107.98 2 7.250 3,192.59 80 7.000 3,192.59 UNIVERSITY PARK TX 75205 2 06/24/02 00 1340160 05 08/01/02 0 1340160 O 07/01/32 0 7937095 286/286 F 224,000.00 ZZ 360 223,057.47 1 6.875 1,471.53 79 6.625 1,471.53 WOODBURY MN 55125 5 06/28/02 00 1356007 05 08/01/02 0 1356007 O 07/01/32 0 7937099 286/286 F 229,200.00 ZZ 360 229,025.59 1 7.375 1,583.03 90 7.125 1,583.03 FARMINGTON NM 87401 1 07/01/02 12 1388054 05 09/01/02 25 1388054 N 08/01/32 0 7937103 286/286 F 59,500.00 ZZ 360 59,415.73 2 7.750 426.27 70 7.500 426.27 INDIANAPOLIS IN 46218 5 06/21/02 00 1357390 05 08/01/02 0 1357390 N 07/01/32 0 1 7937107 286/286 F 108,000.00 ZZ 360 107,822.42 4 7.000 718.53 90 6.750 718.53 ALBUQUERQUE NM 87107 1 06/28/02 12 1386771 05 08/01/02 25 1386771 N 07/01/32 0 7937113 286/286 F 240,000.00 T 360 239,668.58 1 7.875 1,740.17 53 7.625 1,740.17 SOUTHAMPTON NY 11968 5 06/28/02 00 1316862 05 08/01/02 0 1316862 O 07/01/32 0 7937117 286/286 F 96,000.00 ZZ 360 95,853.45 3 7.375 663.05 80 7.125 663.05 CHANDLER AZ 85225 2 06/26/02 00 1339730 05 08/01/02 0 1339730 N 07/01/32 0 7937119 286/286 F 44,000.00 ZZ 360 43,932.83 1 7.375 303.90 64 7.125 303.90 FALLS CHURCH VA 22042 1 06/26/02 00 1373293 01 08/01/02 0 1373293 N 07/01/32 0 7937125 286/286 F 70,600.00 ZZ 360 70,492.23 2 7.375 487.62 90 7.125 487.62 XENIA OH 45385 1 06/27/02 10 1347797 05 08/01/02 25 1347797 N 07/01/32 0 7937127 286/286 F 57,700.00 ZZ 360 57,605.13 1 7.000 383.88 80 6.750 383.88 1 ASHLAND OH 44805 2 06/28/02 00 1331688 05 08/01/02 0 1331688 N 07/01/32 0 7937129 286/286 F 368,000.00 ZZ 360 367,698.35 1 7.000 2,448.32 80 6.750 2,448.32 PALO CEDRO CA 96073 1 07/03/02 00 804952 05 09/01/02 0 804952 N 08/01/32 0 7937137 286/286 F 128,000.00 ZZ 360 127,809.43 1 7.500 894.99 78 7.250 894.99 WOODLAND HILLS CA 91367 5 06/21/02 00 795684 01 08/01/02 0 795684 N 07/01/32 0 7937149 286/286 F 176,000.00 ZZ 360 175,737.94 1 7.500 1,230.62 80 7.250 1,230.62 LORTON VA 22079 1 06/25/02 00 820917 03 08/01/02 0 820917 O 07/01/32 0 7937153 286/286 F 56,800.00 ZZ 360 56,721.56 1 7.875 411.84 80 7.625 411.84 MECHANICSBURG PA 17055 1 06/28/02 00 811848 05 08/01/02 0 811848 N 07/01/32 0 7937155 286/286 F 126,500.00 ZZ 360 126,310.36 1 7.500 884.51 80 7.250 884.51 OREGON CITY OR 97045 2 06/20/02 00 812389 05 08/01/02 0 812389 O 07/01/32 0 1 7937161 286/286 F 64,850.00 ZZ 360 64,751.01 1 7.375 447.90 65 7.125 447.90 SPARKS NV 89434 1 06/20/02 00 803915 01 08/01/02 0 803915 N 07/01/32 0 7937173 286/286 F 158,000.00 ZZ 360 157,644.63 1 7.250 1,077.84 80 7.000 1,077.84 ELK GROVE CA 95758 1 06/17/02 00 804394 03 08/01/02 0 804394 N 07/01/32 0 7937179 286/286 F 348,500.00 ZZ 360 348,228.14 1 7.250 2,377.38 85 7.000 2,377.38 OCEANSIDE CA 92057 1 06/28/02 14 804865 05 09/01/02 12 804865 O 08/01/32 0 7937181 286/286 F 409,000.00 ZZ 360 407,809.02 2 7.750 2,930.13 90 7.500 2,930.13 LOS ANGELES CA 90731 5 06/17/02 12 802186 05 08/01/02 25 802186 O 07/01/32 0 7937183 286/286 F 104,000.00 ZZ 360 103,845.16 1 7.500 727.18 80 7.250 727.18 CHESAPEAKE VA 23320 1 06/28/02 00 814515 03 08/01/02 0 814515 O 07/01/32 0 7937187 286/286 F 144,000.00 ZZ 360 143,763.23 1 1 7.000 958.04 80 6.750 958.04 MODESTO CA 95354 1 06/26/02 00 806835 05 08/01/02 0 806835 N 07/01/32 0 7937189 286/286 F 137,600.00 ZZ 360 137,373.76 1 7.000 915.46 80 6.750 915.46 MODESTO CA 95355 1 06/26/02 00 806836 05 08/01/02 0 806836 N 07/01/32 0 7937191 286/286 F 168,000.00 ZZ 360 167,749.86 1 7.500 1,174.68 80 7.250 1,174.68 TACOMA WA 98406 1 06/26/02 00 815991 05 08/01/02 0 815991 O 07/01/32 0 7937193 286/286 F 55,000.00 ZZ 360 54,909.56 1 7.000 365.92 62 6.750 365.92 BEAUMONT CA 92223 5 06/21/02 00 806772 05 08/01/02 0 806772 N 07/01/32 0 7937195 286/286 F 131,900.00 ZZ 360 131,683.15 1 7.000 877.53 80 6.750 877.53 HEMET CA 92544 1 06/26/02 00 807350 05 08/01/02 0 807350 N 07/01/32 0 7937197 286/286 F 204,000.00 ZZ 360 203,656.26 1 6.875 1,340.13 80 6.625 1,340.13 CYPRESS CA 90630 5 06/14/02 00 802181 05 08/01/02 0 1 802181 O 07/01/32 0 7937207 286/286 F 223,200.00 ZZ 360 222,875.87 1 7.625 1,579.80 80 7.375 1,579.80 RESEDA AREA CA 91335 1 06/17/02 00 799431 05 08/01/02 0 799431 O 07/01/32 0 7937209 286/286 F 150,000.00 ZZ 360 149,759.38 1 7.125 1,010.58 53 6.875 1,010.58 CAMP MEEKER CA 95419 5 06/26/02 00 803814 05 08/01/02 0 803814 N 07/01/32 0 7937211 286/286 F 58,800.00 ZZ 360 58,760.55 1 8.000 431.45 80 7.750 431.45 PAYETTE ID 83661 1 07/10/02 00 811110 05 09/01/02 0 811110 N 08/01/32 0 7937215 286/286 F 650,000.00 ZZ 360 648,781.91 2 7.375 4,489.39 70 7.125 4,489.39 SAN FRANCISCO CA 94122 1 06/20/02 00 804679 05 08/01/02 0 804679 O 07/01/32 0 7937499 E82/G02 F 182,500.00 ZZ 360 182,500.00 1 7.000 1,214.18 57 6.750 1,214.18 BETHESDA MD 20814 2 08/07/02 00 0400669032 05 10/01/02 0 3944156 O 09/01/32 0 1 7937503 E82/G02 F 92,000.00 ZZ 360 92,000.00 1 6.875 604.37 62 6.625 604.37 EAST TAWAS MI 48730 2 08/08/02 00 0400664686 05 10/01/02 0 0400664686 O 09/01/32 0 7937517 E82/G02 F 61,900.00 ZZ 360 61,900.00 1 7.250 422.27 79 7.000 422.27 BURLESON TX 76028 2 08/08/02 00 0400647970 05 10/01/02 0 0400647970 O 09/01/32 0 7937525 E82/G02 F 60,000.00 ZZ 360 60,000.00 1 7.125 404.23 73 6.875 404.23 BIRMINGHAM AL 35211 2 08/05/02 00 0400649026 05 10/01/02 0 0400649026 O 09/01/32 0 7937551 E82/G02 F 136,000.00 ZZ 360 136,000.00 1 6.875 893.42 54 6.625 893.42 BROOKLYN NY 11210 5 08/02/02 00 0400645099 05 10/01/02 0 0400645099 O 09/01/32 0 7937579 696/G02 F 165,600.00 ZZ 360 165,467.57 1 7.125 1,115.68 80 6.875 1,115.68 STAFFORD VA 22554 2 08/07/02 00 0434397410 03 09/01/02 0 21702163 O 08/01/32 0 7937909 E22/G02 F 88,300.00 ZZ 360 88,300.00 1 6.750 572.71 80 6.500 572.71 1 KODAK TN 37764 5 08/05/02 00 0414121608 05 10/01/02 0 0414121608 O 09/01/32 0 7937965 E22/G02 F 252,800.00 ZZ 360 252,576.96 1 6.625 1,618.71 80 6.375 1,618.71 ALISO VIEJO CA 92656 5 07/30/02 00 0414417600 01 09/01/02 0 0414417600 O 08/01/32 0 7938059 E22/G02 F 100,000.00 ZZ 360 100,000.00 2 7.625 707.79 80 7.375 707.79 LEXINGTON KY 40508 2 08/09/02 00 0414518407 05 10/01/02 0 0414518407 N 09/01/32 0 7938063 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.625 1,920.93 80 6.375 1,920.93 CANTON GA 30114 1 08/09/02 00 0414520650 03 10/01/02 0 0414520650 O 09/01/32 0 7938095 E22/G02 F 121,600.00 ZZ 360 121,600.00 1 6.500 768.59 80 6.250 768.59 PUEBLO CO 81006 5 08/05/02 00 0414553842 05 10/01/02 0 0414553842 O 09/01/32 0 7938101 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 7.000 898.16 62 6.750 898.16 LEMON GROVE CA 91945 2 07/29/02 00 0414561985 05 10/01/02 0 0414561985 N 09/01/32 0 1 7938107 E22/G02 F 77,600.00 ZZ 360 77,600.00 1 6.625 496.88 95 6.375 496.88 ROSEBURG OR 97470 5 08/02/02 04 0414572248 05 10/01/02 30 0414572248 O 09/01/32 0 7938117 E22/G02 F 100,500.00 ZZ 360 100,500.00 1 7.125 677.09 75 6.875 677.09 BIRMINGHAM AL 35235 2 08/09/02 00 0414578013 05 10/01/02 0 0414578013 N 09/01/32 0 7938125 E22/G02 F 191,000.00 ZZ 360 191,000.00 1 6.625 1,222.99 76 6.375 1,222.99 SANTA FE NM 87508 2 08/05/02 00 0414580860 03 10/01/02 0 0414580860 O 09/01/32 0 7938145 E22/G02 F 113,600.00 ZZ 360 113,600.00 1 7.500 794.31 80 7.250 794.31 TRAVERSE CITY MI 49684 2 08/05/02 00 0414600627 29 10/01/02 0 0414600627 O 09/01/32 0 7938179 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 7.375 524.91 80 7.125 524.91 PARADISE TX 76073 1 08/08/02 00 0414676643 05 10/01/02 0 0414676643 N 09/01/32 0 7939815 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 1 6.875 788.31 73 6.625 788.31 CICERO IL 60804 5 08/06/02 00 0414212217 05 10/01/02 0 0414212217 O 09/01/32 0 7939841 E22/G02 F 119,200.00 ZZ 360 119,200.00 1 7.375 823.28 80 7.125 823.28 SEALY TX 77474 5 08/05/02 00 0414334664 03 10/01/02 0 0414334664 O 09/01/32 0 7939849 E22/G02 F 110,700.00 ZZ 360 110,700.00 1 7.375 764.58 90 7.125 764.58 PHOENIX AZ 85018 1 08/05/02 04 0414352617 05 10/01/02 25 0414352617 N 09/01/32 0 7939851 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 7.500 1,062.81 95 7.250 1,062.81 STERLING HEIGHT MI 48313 5 08/06/02 01 0414356006 05 10/01/02 30 0414356006 O 09/01/32 0 7939855 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.250 682.18 80 7.000 682.18 DALLAS TX 75208 5 08/06/02 00 0414366211 05 10/01/02 0 0414366211 O 09/01/32 0 7939863 E22/G02 F 133,600.00 ZZ 360 133,600.00 1 8.000 980.31 80 7.750 980.31 MODESTO CA 95351 1 07/31/02 00 0414405720 05 10/01/02 0 1 0414405720 O 09/01/32 0 7939897 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.625 1,050.11 80 6.375 1,050.11 NEWTON NJ 07860 2 08/07/02 00 0414454074 05 10/01/02 0 0414454074 O 09/01/32 0 7939923 E22/G02 F 104,700.00 ZZ 360 104,700.00 2 6.625 670.41 80 6.375 670.41 FLORENCE OR 97439 1 07/31/02 00 0414466367 05 10/01/02 0 0414466367 N 09/01/32 0 7939945 E22/G02 F 59,950.00 ZZ 360 59,950.00 1 7.500 419.18 75 7.250 419.18 BAY CITY MI 48706 5 08/06/02 00 0414486548 05 10/01/02 0 0414486548 O 09/01/32 0 7939967 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.875 762.04 80 6.625 762.04 ANACORTES WA 98221 5 08/05/02 00 0414499210 05 10/01/02 0 0414499210 O 09/01/32 0 7939975 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.500 2,149.03 79 6.250 2,149.03 REDWOOD VALLEY CA 95470 5 08/05/02 00 0414504761 05 10/01/02 0 0414504761 O 09/01/32 0 1 7940013 E22/G02 F 93,500.00 ZZ 360 93,500.00 1 7.750 669.85 79 7.500 669.85 TORRANCE CA 90502 5 08/07/02 00 0414515783 01 10/01/02 0 0414515783 O 09/01/32 0 7940033 E22/G02 F 188,910.00 ZZ 360 188,910.00 1 7.375 1,304.75 90 7.125 1,304.75 WOODRIDGE IL 60517 1 08/12/02 01 0414523548 05 10/01/02 30 0414523548 O 09/01/32 0 7940051 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.750 1,264.77 62 6.500 1,264.77 JUPITER FL 33458 2 08/06/02 00 0414529545 05 10/01/02 0 0414529545 O 09/01/32 0 7940083 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 7.500 559.37 52 7.250 559.37 RICHARDSON TX 75080 5 08/06/02 00 0414549089 05 10/01/02 0 0414549089 O 09/01/32 0 7940103 E22/G02 F 201,600.00 ZZ 360 201,600.00 1 6.750 1,307.57 80 6.500 1,307.57 FRISCO TX 75034 5 08/07/02 00 0414561092 03 10/01/02 0 0414561092 O 09/01/32 0 7940105 E22/G02 F 147,000.00 ZZ 360 147,000.00 1 7.250 1,002.80 55 7.000 1,002.80 1 HILLSDALE NJ 07642 5 08/07/02 00 0414563288 05 10/01/02 0 0414563288 O 09/01/32 0 7940113 E22/G02 F 197,900.00 ZZ 360 197,900.00 1 7.250 1,350.03 90 7.000 1,350.03 MARS HILL NC 28754 2 08/07/02 01 0414566919 05 10/01/02 25 0414566919 O 09/01/32 0 7940115 E22/G02 F 299,000.00 ZZ 360 299,000.00 1 6.375 1,865.37 95 6.125 1,865.37 PALM HARBOR FL 34685 5 08/06/02 01 0414568071 03 10/01/02 25 0414568071 O 09/01/32 0 7940117 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.625 1,024.50 80 6.375 1,024.50 DENVER CO 80229 2 08/07/02 00 0414568667 05 10/01/02 0 0414568667 O 09/01/32 0 7940127 E22/G02 F 284,750.00 ZZ 360 284,750.00 1 7.125 1,918.41 85 6.875 1,918.41 MONKTON MD 21111 5 08/06/02 01 0414574871 05 10/01/02 12 0414574871 O 09/01/32 0 7940147 E22/G02 F 195,700.00 ZZ 360 195,700.00 1 7.125 1,318.47 95 6.875 1,318.47 LYNNWOOD WA 98036 2 08/05/02 04 0414593459 05 10/01/02 30 0414593459 O 09/01/32 0 1 7940155 E22/G02 F 229,900.00 ZZ 360 229,900.00 1 7.625 1,627.22 95 7.375 1,627.22 MIAMI SHORES FL 33138 1 08/12/02 04 0414596254 05 10/01/02 30 0414596254 O 09/01/32 0 7940175 E22/G02 F 272,000.00 ZZ 360 272,000.00 1 6.875 1,786.85 80 6.625 1,786.85 CORONA CA 92883 5 08/06/02 00 0414613000 03 10/01/02 0 0414613000 O 09/01/32 0 7940223 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 7.375 497.29 75 7.125 497.29 HIGHLAND MI 48356 1 08/12/02 00 0414680512 05 10/01/02 0 0414680512 N 09/01/32 0 7940413 S11/G02 F 388,000.00 ZZ 360 387,657.67 1 6.625 2,484.41 80 6.375 2,484.41 ORANGE CA 92869 5 07/25/02 00 0434425450 05 09/01/02 0 10208541 O 08/01/32 0 7940459 144/144 F 175,000.00 ZZ 360 174,849.33 1 6.750 1,135.05 42 6.500 1,135.05 QUIOQUE NY 11978 5 07/25/02 00 221971264 05 09/01/02 0 221971264 O 08/01/32 0 7940537 E47/G02 F 53,000.00 ZZ 360 52,959.67 1 1 7.375 366.06 65 7.125 366.06 BRADENTON FL 34205 2 08/01/02 00 0434456752 05 09/01/02 0 7361012718 N 08/01/32 0 7940655 E47/G02 F 54,000.00 ZZ 360 53,958.91 2 7.375 372.96 53 7.125 372.96 BRADENTON FL 34205 2 08/02/02 00 0434415048 05 09/01/02 0 7361012716 N 08/01/32 0 7940781 E47/G02 F 54,000.00 ZZ 360 53,958.91 2 7.375 372.96 53 7.125 372.96 BRADENTON FL 34205 2 08/02/02 00 0434493326 05 09/01/02 0 7361012717 N 08/01/32 0 7941033 U05/G02 F 106,650.00 ZZ 360 106,570.85 1 7.500 745.71 90 7.250 745.71 LAKE WORTH FL 33463 1 07/18/02 04 0434463980 05 09/01/02 25 324393 N 08/01/32 0 7941323 196/G02 F 120,000.00 ZZ 360 119,919.48 1 8.000 880.52 80 7.750 880.52 CLEARWATER FL 33767 1 07/29/02 00 0434462859 01 09/01/02 0 1323065 O 08/01/32 0 7941331 196/G02 F 244,000.00 ZZ 360 243,804.87 1 7.125 1,643.88 80 6.875 1,643.88 FAYETTEVILLE GA 30215 1 07/29/02 00 0434462842 03 09/01/02 0 1 1323886 O 08/01/32 0 7941773 U36/G02 F 180,000.00 ZZ 360 179,845.02 1 6.750 1,167.48 80 6.500 1,167.48 LILBURN GA 30074 1 07/25/02 00 0434426151 03 09/01/02 0 972901001 O 08/01/32 0 7942435 A35/G02 F 290,000.00 ZZ 360 290,000.00 1 6.875 1,905.09 82 6.625 1,905.09 LINDENHURST NY 11757 2 08/06/02 01 0434446647 05 10/01/02 12 13842 O 09/01/32 0 7942519 U28/G02 F 66,500.00 ZZ 360 66,448.12 2 7.250 453.65 79 7.000 453.65 RALEIGH NC 27610 1 07/26/02 00 0434395182 05 09/01/02 0 2000003795 O 08/01/32 0 7942521 U85/G02 F 153,000.00 ZZ 360 152,868.27 1 6.750 992.36 90 6.500 992.36 NEENAH WI 54956 5 07/29/02 10 0434462974 05 09/01/02 25 COTTREL O 08/01/32 0 7942545 X82/G02 F 143,900.00 ZZ 360 143,769.91 1 6.500 909.55 80 6.250 909.55 ANNAPOLIS MD 21403 1 08/02/02 00 0434413688 05 09/01/02 0 832298 O 08/01/32 0 1 7942833 952/G02 F 280,000.00 ZZ 360 280,000.00 1 6.625 1,792.87 76 6.375 1,792.87 ELMWOOD PARK NJ 07407 5 08/01/02 00 0434398806 05 10/01/02 0 20026630 O 09/01/32 0 7942947 Q49/G02 F 56,299.00 ZZ 360 56,299.00 1 7.250 384.06 74 7.000 384.06 CAPE CORAL FL 33904 1 08/09/02 00 0434491874 08 10/01/02 0 41410902 O 09/01/32 0 7943107 S11/G02 F 279,900.00 ZZ 360 279,900.00 2 6.875 1,838.74 80 6.625 1,838.74 SANTA ANA CA 92703 1 08/05/02 00 0434456133 05 10/01/02 0 10208661 O 09/01/32 0 7943125 W02/G02 F 86,400.00 ZZ 360 86,327.41 1 6.875 567.59 90 6.625 567.59 ST. PETERSBURG FL 33703 5 07/26/02 12 0434450003 05 09/01/02 25 1001244163 O 08/01/32 0 7943343 144/144 F 145,000.00 ZZ 360 144,881.14 1 7.000 964.69 44 6.750 964.69 PUTNAM VALLEY NY 10579 2 07/26/02 00 1 05 09/01/02 0 1 O 08/01/32 0 7943807 E22/G02 F 101,600.00 ZZ 360 101,600.00 1 7.250 693.09 80 7.000 693.09 1 VINTON VA 24179 5 08/09/02 00 0414405027 05 10/01/02 0 0414405027 N 09/01/32 0 7943855 E22/G02 F 89,000.00 ZZ 360 88,937.18 1 7.750 637.61 99 7.500 637.61 KALAMAZOO MI 49001 2 07/24/02 04 0414505222 05 09/01/02 35 0414505222 O 08/01/32 0 7943863 E22/G02 F 148,500.00 ZZ 360 148,500.00 1 6.750 963.17 59 6.500 963.17 SILVER SPRING MD 20902 5 08/06/02 00 0414509794 09 10/01/02 0 0414509794 O 09/01/32 0 7943867 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.625 1,920.93 74 6.375 1,920.93 DALY CITY CA 94014 2 08/07/02 00 0414513267 07 10/01/02 0 0414513267 O 09/01/32 0 7943879 E22/G02 F 383,200.00 ZZ 360 383,200.00 1 6.500 2,422.08 80 6.250 2,422.08 RICHMOND CA 94803 5 08/02/02 00 0414529511 03 10/01/02 0 0414529511 O 09/01/32 0 7943893 E22/G02 F 68,800.00 ZZ 360 68,800.00 1 6.500 434.86 80 6.250 434.86 JEFFERSON CITY TN 37760 5 08/08/02 00 0414538389 05 10/01/02 0 0414538389 O 09/01/32 0 1 7943935 E22/G02 F 174,325.00 ZZ 360 174,325.00 1 7.375 1,204.02 95 7.125 1,204.02 CHICAGO IL 60647 1 08/13/02 04 0414572669 05 10/01/02 30 0414572669 O 09/01/32 0 7943991 E22/G02 F 119,960.00 T 360 119,960.00 1 7.125 808.19 80 6.875 808.19 SEATTLE WA 98126 1 08/07/02 00 0414637322 05 10/01/02 0 0414637322 O 09/01/32 0 7944003 E22/G02 F 169,600.00 ZZ 360 169,600.00 1 7.250 1,156.97 80 7.000 1,156.97 COTTAGE GROVE WI 53527 2 08/08/02 00 0414652677 05 10/01/02 0 0414652677 O 09/01/32 0 7944173 E82/G02 F 182,300.00 ZZ 360 182,300.00 4 7.375 1,259.10 80 7.125 1,259.10 LODI CA 95240 5 08/07/02 00 0400676219 05 10/01/02 0 0400676219 O 09/01/32 0 7944177 E82/G02 F 71,400.00 ZZ 360 71,400.00 1 6.875 469.05 83 6.625 469.05 GRAND PRAIRIE TX 75051 2 08/08/02 04 0400656187 05 10/01/02 12 0400656187 O 09/01/32 0 7944181 E82/G02 F 99,700.00 ZZ 360 99,700.00 1 1 7.250 680.13 46 7.000 680.13 SAN JOSE CA 95118 2 08/12/02 00 0400667846 01 10/01/02 0 1771247 N 09/01/32 0 7944213 W02/G02 F 164,500.00 ZZ 360 164,361.80 1 6.875 1,080.65 79 6.625 1,080.65 CALLAHAN FL 32011 5 07/25/02 00 0434432613 05 09/01/02 0 1001338987 O 08/01/32 0 7944313 F19/G02 F 119,000.00 ZZ 360 118,909.45 1 7.375 821.90 35 7.125 821.90 WATSONVILLE CA 95076 2 07/16/02 00 0434431102 05 09/01/02 0 877472 N 08/01/32 0 7944331 N47/G02 F 265,600.00 ZZ 360 265,600.00 1 6.875 1,744.80 80 6.625 1,744.80 SAN MARCOS CA 92069 2 08/05/02 00 0434425252 05 10/01/02 0 30122062 O 09/01/32 0 7944341 N47/G02 F 168,750.00 ZZ 360 168,750.00 1 7.500 1,179.92 75 7.250 1,179.92 RICHMOND CA 94804 5 08/02/02 00 0434406435 05 10/01/02 0 20221259 N 09/01/32 0 7944345 N47/G02 F 160,000.00 ZZ 360 159,865.58 1 6.875 1,051.09 46 6.625 1,051.09 CHULA VISTA CA 91910 5 07/23/02 00 0434407946 05 09/01/02 0 1 30121938 O 08/01/32 0 7944349 196/G02 F 152,800.00 T 360 152,700.04 1 8.125 1,134.54 80 7.875 1,134.54 DANBURY WI 54830 2 07/10/02 00 0434462685 05 09/01/02 0 1429009 O 08/01/32 0 7944391 E86/G02 F 174,400.00 ZZ 360 174,263.95 1 7.250 1,189.72 80 7.000 1,189.72 ELDERSBURG MD 21784 1 07/31/02 00 0434407532 03 09/01/02 0 316691 O 08/01/32 0 7944405 W39/G02 F 71,500.00 ZZ 360 71,450.79 1 7.875 518.43 64 7.625 518.43 ARLINGTON TX 76016 2 07/31/02 00 0434458048 05 09/01/02 0 PNI20935 N 08/01/32 0 7944463 W02/G02 F 76,500.00 ZZ 360 76,435.72 1 6.875 502.56 90 6.625 502.56 TALLAHASSEE FL 32303 5 07/31/02 12 0434455275 05 09/01/02 25 1001296523 O 08/01/32 0 7944575 N16/G02 F 175,000.00 ZZ 360 174,841.80 1 6.500 1,106.12 70 6.250 1,106.12 ALISO VIEJO CA 92656 5 08/05/02 00 0434430864 01 09/09/02 0 609325771 O 08/09/32 0 1 7944931 Q30/G02 F 157,000.00 ZZ 360 156,877.52 1 7.250 1,071.02 80 7.000 1,071.02 HUNLOCK CREEK PA 18621 5 07/26/02 00 0434445979 05 09/01/02 0 21015681 O 08/01/32 0 7944971 U05/G02 F 360,000.00 ZZ 360 359,690.05 1 6.750 2,334.95 80 6.500 2,334.95 THOUSAND OAKS CA 91360 5 07/26/02 00 0434459335 05 09/01/02 0 3235813 O 08/01/32 0 7945271 964/G02 F 188,100.00 ZZ 360 187,507.73 1 7.250 1,283.17 90 7.000 1,283.17 PORTLAND OR 97236 1 04/27/02 04 0434467809 05 06/01/02 25 208806 O 05/01/32 0 7945287 A46/G02 F 103,500.00 ZZ 360 103,500.00 4 6.750 671.30 90 6.500 671.30 HOUSTON TX 77088 1 08/07/02 04 0434430658 05 10/01/02 25 0560124 N 09/01/32 0 7945465 X67/G02 F 220,000.00 ZZ 360 219,815.18 1 6.875 1,445.24 74 6.625 1,445.24 LAS VEGAS NV 89123 5 07/26/02 00 0434431383 03 09/01/02 0 00268431 O 08/01/32 0 7946427 964/G02 F 144,800.00 ZZ 360 144,432.97 1 6.875 951.23 80 6.625 951.23 1 VANCOUVER WA 98682 1 05/29/02 00 0434467759 05 07/01/02 0 215265 O 06/01/32 0 7946495 U66/G02 F 24,500.00 ZZ 360 24,500.00 1 7.875 177.64 70 7.625 177.64 HOUSTON TX 77099 1 08/08/02 00 0434470217 01 10/01/02 0 492 N 09/01/32 0 7946753 E57/G02 F 71,200.00 ZZ 360 71,200.00 1 6.625 455.90 71 6.375 455.90 LANCASTER CA 93535 1 08/06/02 00 0434461976 05 10/01/02 0 06008916 N 09/01/32 0 7947335 253/253 F 216,000.00 ZZ 360 215,809.42 1 6.625 1,383.07 80 6.375 1,383.07 LOUISVILLE KY 40245 5 07/25/02 00 424851 05 09/01/02 0 424851 O 08/01/32 0 7947347 X60/G02 F 351,400.00 ZZ 360 351,400.00 1 6.625 2,250.05 79 6.375 2,250.05 BELLEVUE WA 98007 2 08/08/02 00 0434445086 05 10/01/02 0 10206211 O 09/01/32 0 7947351 940/G02 F 189,000.00 ZZ 360 189,000.00 1 6.875 1,241.60 80 6.625 1,241.60 LOMA LINDA CA 92354 5 08/02/02 00 0434445862 05 10/01/02 0 40020523 O 09/01/32 0 1 7947433 E22/G02 F 51,000.00 ZZ 360 51,000.00 1 7.000 339.30 85 6.750 339.30 WEST PALM BEACH FL 33409 5 08/09/02 04 0414205757 08 10/01/02 12 0414205757 O 09/01/32 0 7947495 E22/G02 F 232,800.00 ZZ 360 232,800.00 1 6.875 1,529.33 80 6.625 1,529.33 MIAMI FL 33176 1 08/08/02 00 0414454033 05 10/01/02 0 0414454033 O 09/01/32 0 7947507 E22/G02 F 192,000.00 ZZ 360 192,000.00 1 6.875 1,261.30 80 6.625 1,261.30 NORWALK CA 90650 5 08/09/02 00 0414470872 05 10/01/02 0 0414470872 O 09/01/32 0 7947527 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.750 1,478.80 77 6.500 1,478.80 CHICAGO IL 60625 1 08/14/02 00 0414491969 09 10/01/02 0 0414491969 O 09/01/32 0 7947541 E22/G02 F 372,400.00 ZZ 360 372,400.00 1 6.625 2,384.52 80 6.375 2,384.52 COTATI CA 94931 5 08/07/02 00 0414513135 05 10/01/02 0 0414513135 O 09/01/32 0 7947547 E22/G02 F 262,500.00 ZZ 360 262,500.00 1 1 6.750 1,702.57 70 6.500 1,702.57 SUMMERLAND KEY FL 33042 1 08/14/02 00 0414523993 05 10/01/02 0 0414523993 O 09/01/32 0 7947593 E22/G02 F 75,050.00 ZZ 360 75,050.00 1 8.000 550.69 95 7.750 550.69 ARCADIA FL 34266 1 08/14/02 01 0414548495 05 10/01/02 30 0414548495 O 09/01/32 0 7947603 E22/G02 F 69,600.00 ZZ 360 69,600.00 1 7.000 463.05 80 6.750 463.05 MADISON GA 30650 5 08/09/02 00 0414563148 05 10/01/02 0 0414563148 O 09/01/32 0 7947609 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 7.000 425.79 80 6.750 425.79 PRINCETON TX 75407 1 08/14/02 00 0414565721 05 10/01/02 0 0414565721 O 09/01/32 0 7947635 E22/G02 F 488,000.00 ZZ 360 488,000.00 1 6.750 3,165.16 80 6.500 3,165.16 HUNTINGTON BEAC CA 92646 5 08/06/02 00 0414583351 05 10/01/02 0 0414583351 O 09/01/32 0 7947641 E22/G02 F 148,500.00 ZZ 360 148,500.00 4 8.000 1,089.64 90 7.750 1,089.64 CLEARWATER FL 33756 1 08/14/02 04 0414584383 05 10/01/02 25 1 0414584383 N 09/01/32 0 7947713 E22/G02 F 55,000.00 ZZ 360 55,000.00 1 6.625 352.17 58 6.375 352.17 BELLINGHAM WA 98225 1 08/06/02 00 0414630772 05 10/01/02 0 0414630772 O 09/01/32 0 7947723 E22/G02 F 68,850.00 ZZ 360 68,850.00 1 7.000 458.06 90 6.750 458.06 BRANDON MS 39047 1 08/14/02 01 0414653907 07 10/01/02 25 0414653907 O 09/01/32 0 7947727 E22/G02 F 176,000.00 ZZ 360 176,000.00 1 8.000 1,291.43 80 7.750 1,291.43 CINCINNATI OH 45208 1 08/14/02 00 0414661348 05 10/01/02 0 0414661348 N 09/01/32 0 7947747 E22/G02 F 159,200.00 ZZ 360 159,200.00 1 6.625 1,019.38 80 6.375 1,019.38 HUMBLE TX 77346 1 08/14/02 00 0414723700 03 10/01/02 0 0414723700 O 09/01/32 0 7947857 W39/G02 F 555,000.00 ZZ 360 555,000.00 1 6.625 3,553.73 74 6.375 3,553.73 BIRMINGHAM AL 35213 5 08/07/02 00 0434509485 05 10/01/02 0 LA022459 O 09/01/32 0 1 7947865 W08/G02 F 87,200.00 ZZ 360 87,200.00 1 7.750 624.71 80 7.500 624.71 AVENTURA FL 33160 1 08/08/02 00 0434449443 06 10/01/02 0 021365MG O 09/01/32 0 7947895 U36/G02 F 66,800.00 ZZ 360 66,749.17 2 7.375 461.37 48 7.125 461.37 DULUTH GA 30096 2 07/24/02 00 0434432274 05 09/01/02 0 985101001 N 08/01/32 0 7948031 U36/G02 F 120,000.00 ZZ 360 119,901.64 2 7.000 798.36 70 6.750 798.36 NORCROSS GA 30093 1 08/01/02 00 0434457081 05 09/01/02 0 976701001 N 08/01/32 0 7948095 T29/G02 F 182,200.00 ZZ 360 182,200.00 1 7.375 1,258.41 89 7.125 1,258.41 GILBERT AZ 85296 2 08/05/02 28 0434515854 03 10/01/02 25 1210935 O 09/01/32 0 7948345 U85/G02 F 92,150.00 ZZ 360 92,084.97 2 7.750 660.17 95 7.500 660.17 MILWAUKEE WI 53215 1 07/19/02 27 0434501904 05 09/01/02 30 MARTINEZM O 08/01/32 0 7948415 588/G02 F 384,750.00 ZZ 360 384,434.62 3 7.000 2,559.75 95 6.750 2,559.75 1 TOWN OF MORRIST NJ 07960 1 07/30/02 10 0434467387 05 09/01/02 30 1068227 O 08/01/32 0 7948423 758/G02 F 214,200.00 ZZ 360 214,044.97 3 7.625 1,516.09 90 7.375 1,516.09 HOUSTON TX 77007 1 07/31/02 14 0434429445 05 09/01/02 25 102103 N 08/01/32 0 7948463 F89/G02 F 245,600.00 ZZ 360 245,600.00 1 6.750 1,592.96 80 6.500 1,592.96 SANTA CLARITA CA 91350 1 08/01/02 00 0434448312 05 10/01/02 0 16921913 O 09/01/32 0 7948501 253/253 F 132,000.00 ZZ 360 131,891.80 1 7.000 878.20 70 6.750 878.20 NORTHGLENN CO 80233 2 07/31/02 00 428153 05 09/01/02 0 428153 N 08/01/32 0 7948513 W93/G02 F 115,990.00 ZZ 360 115,890.13 1 6.750 752.31 80 6.500 752.31 KUNA ID 83634 1 07/29/02 00 0434449369 03 09/01/02 0 1 O 08/01/32 0 7948811 U05/G02 F 133,000.00 ZZ 360 133,000.00 1 6.750 862.64 95 6.500 862.64 PORTLAND OR 97233 1 08/01/02 10 0434450649 05 10/01/02 30 3240162 O 09/01/32 0 1 7948821 W93/G02 F 136,000.00 ZZ 360 135,880.00 1 6.625 870.83 80 6.375 870.83 EAGLE POINT OR 97524 1 07/23/02 00 0434434833 05 09/01/02 0 42341339PG O 08/01/32 0 7948861 U05/G02 F 48,000.00 ZZ 360 48,000.00 1 7.625 339.74 80 7.375 339.74 OLD TOWN ME 04468 1 08/09/02 00 0434450573 05 10/01/02 0 3246387 N 09/01/32 0 7949157 X67/G02 F 145,000.00 ZZ 360 145,000.00 1 6.500 916.50 71 6.250 916.50 ANAHEIM CA 92807 5 08/02/02 00 0434455689 01 10/01/02 0 00268727 O 09/01/32 0 7949213 E98/G02 F 43,100.00 ZZ 360 43,100.00 1 7.125 290.37 75 6.875 290.37 WILLMAR MN 56201 5 08/13/02 00 0434453346 05 10/01/02 0 8130001613148 N 09/01/32 0 7949611 F25/G02 F 215,000.00 ZZ 360 215,000.00 1 6.625 1,376.67 28 6.375 1,376.67 BEDFORD NY 10506 5 08/14/02 00 0434450037 05 10/01/02 0 0207062 O 09/01/32 0 7949615 A06/G02 F 116,000.00 ZZ 360 116,000.00 1 1 6.875 762.04 80 6.625 762.04 LIVONIA MI 48150 2 08/08/02 00 0434448544 05 10/01/02 0 025000020217115 O 09/01/32 0 7949837 H58/G02 F 124,000.00 ZZ 360 124,000.00 1 7.625 877.66 80 7.375 877.66 SACRAMENTO CA 95833 1 08/05/02 00 0434532636 05 10/01/02 0 0000105094 N 09/01/32 0 7949891 950/G02 F 148,000.00 ZZ 360 147,866.21 1 6.500 935.46 80 6.250 935.46 MONROE WA 98272 1 07/15/02 00 0434445706 05 09/01/02 0 E4204032 O 08/01/32 0 7949953 U96/G02 F 236,250.00 ZZ 360 235,693.76 1 7.250 1,611.64 75 7.000 1,611.64 KEAAU HI 96749 5 05/03/02 00 0434465704 05 07/01/02 0 20400030 O 06/01/32 0 7950021 P44/G02 F 146,250.00 ZZ 360 146,250.00 1 7.500 1,022.60 75 7.250 1,022.60 NAPLES FL 34108 1 08/09/02 00 0434460861 05 10/01/02 0 0011922 N 09/01/32 0 7950155 U05/G02 F 319,000.00 ZZ 360 319,000.00 1 6.500 2,016.30 90 6.250 2,016.30 RANCHO SANTA MA CA 92688 5 08/06/02 14 0434445425 03 10/01/02 25 1 3246143 O 09/01/32 0 7950175 642/G02 F 76,160.00 ZZ 360 76,160.00 1 6.500 481.38 80 6.250 481.38 TULSA OK 74135 1 08/12/02 00 0434443156 05 10/01/02 0 07180002 O 09/01/32 0 7950187 W93/G02 F 97,400.00 ZZ 360 97,318.17 1 6.875 639.85 80 6.625 639.85 NAMPA ID 83686 1 07/15/02 00 0434434155 03 09/01/02 0 35394150 O 08/01/32 0 7950313 X51/G02 F 625,500.00 ZZ 360 625,500.00 1 6.500 3,953.59 75 6.250 3,953.59 EDWARDS CO 81632 2 08/09/02 00 0434449526 03 10/01/02 0 1 O 09/01/32 0 7950571 L76/G02 F 118,500.00 ZZ 360 118,500.00 1 6.250 729.62 46 6.000 729.62 APPLE VALLEY MN 55124 2 08/13/02 00 0434457206 05 10/01/02 0 9507039 O 09/01/32 0 7950623 737/G02 F 189,000.00 ZZ 360 189,000.00 4 6.875 1,241.60 70 6.625 1,241.60 PHOENIX AZ 85013 5 08/09/02 00 0434439543 05 10/01/02 0 2073535 N 09/01/32 0 1 7950629 L76/G02 F 161,600.00 ZZ 360 161,600.00 1 6.500 1,021.42 80 6.250 1,021.42 BLOOMINGTON MN 55420 5 08/14/02 00 0434445797 05 10/01/02 0 9507021 O 09/01/32 0 7950635 737/G02 F 312,000.00 ZZ 360 312,000.00 1 6.750 2,023.63 80 6.500 2,023.63 FAIR OAKS CA 95628 5 08/06/02 00 0434415691 05 10/01/02 0 2076031 O 09/01/32 0 7950653 G34/G02 F 240,000.00 ZZ 360 239,803.27 1 7.000 1,596.73 80 6.750 1,596.73 KIRKLAND WA 98033 5 07/29/02 00 0434461026 05 09/01/02 0 85204812 O 08/01/32 0 7950661 N74/G02 F 66,500.00 ZZ 360 66,500.00 1 7.750 476.41 95 7.500 476.41 SALISBURY NC 28144 2 08/12/02 10 0434441234 05 10/01/02 30 0030567010 O 09/01/32 0 7951941 253/253 F 156,663.00 ZZ 360 156,528.11 1 6.750 1,016.12 80 6.500 1,016.12 PEARLAND TX 77584 1 07/30/02 00 427757 05 09/01/02 0 427757 O 08/01/32 0 7952151 J95/G02 F 142,400.00 ZZ 360 141,877.15 1 7.250 971.42 80 7.000 971.42 1 LAKEPORT CA 95453 2 06/20/02 00 0434475992 05 08/01/02 0 0029056157 O 07/01/32 0 7952161 J95/G02 F 189,600.00 T 360 189,317.70 1 7.500 1,325.71 80 7.250 1,325.71 BREWSTER MA 02631 1 06/28/02 00 0434475455 01 08/01/02 0 0029166592 O 07/01/32 0 7952165 J95/G02 F 515,000.00 ZZ 360 514,598.25 1 7.250 3,513.21 56 7.000 3,513.21 CENTREVILLE VA 20120 2 07/19/02 00 0434475133 03 09/01/02 0 0029229226 O 08/01/32 0 7952175 J95/G02 F 51,200.00 ZZ 360 51,088.61 1 7.500 358.00 80 7.250 358.00 DERRY NH 03038 1 07/01/02 00 0434474888 01 08/01/02 0 0029312246 N 07/01/32 0 7952177 J95/G02 F 35,200.00 ZZ 360 35,147.58 1 7.500 246.13 80 7.250 246.13 DERRY NH 03038 1 06/19/02 00 0434472916 01 08/01/02 0 0029312352 N 07/01/32 0 7952183 J95/G02 F 109,800.00 ZZ 360 109,640.55 1 7.625 777.16 90 7.375 777.16 HOLLAND MI 49423 5 06/20/02 14 0434475778 05 08/01/02 25 0029363587 O 07/01/32 0 1 7952189 J95/G02 F 112,500.00 ZZ 360 112,500.00 4 7.750 805.97 90 7.500 805.97 BRYAN TX 77801 1 08/01/02 11 0434480117 05 10/01/02 25 0029391877 N 09/01/32 0 7952197 J95/G02 F 322,000.00 ZZ 360 319,390.97 4 7.750 2,306.85 55 7.500 2,306.85 ATLANTA GA 30308 5 06/27/02 00 0434479671 05 08/01/02 0 0029537479 N 07/01/32 0 7952199 J95/G02 F 155,700.00 ZZ 360 155,578.54 4 7.250 1,062.15 90 7.000 1,062.15 NOGALES AZ 85621 1 07/10/02 10 0434475752 05 09/01/02 25 0029543469 O 08/01/32 0 7952205 J95/G02 F 63,000.00 ZZ 360 62,947.07 1 6.875 413.87 53 6.625 413.87 ORLANDO FL 32833 2 07/05/02 00 0434475091 05 09/01/02 0 0029558152 O 08/01/32 0 7952215 J95/G02 F 113,300.00 ZZ 360 113,197.57 4 6.500 716.14 79 6.250 716.14 FITCHBURG MA 01420 5 07/15/02 00 0434475786 05 09/01/02 0 0029592250 O 08/01/32 0 7952219 J95/G02 F 125,730.00 ZZ 360 125,624.37 1 1 6.875 825.96 95 6.625 825.96 MEMPHIS TN 38128 1 07/23/02 10 0434479994 05 09/01/02 30 0029654688 O 08/01/32 0 7952221 J95/G02 F 44,000.00 ZZ 360 43,968.15 2 7.625 311.43 80 7.375 311.43 WATERVILLE ME 04901 1 07/29/02 00 0434477592 05 09/01/02 0 0029675105 N 08/01/32 0 7952227 J95/G02 F 145,600.00 ZZ 360 145,471.53 1 6.625 932.30 80 6.375 932.30 LENIOR CITY TN 37772 1 07/26/02 00 0434478285 05 09/01/02 0 0029787892 O 08/01/32 0 7952301 P34/G02 F 139,000.00 ZZ 360 139,000.00 1 7.750 995.82 74 7.500 995.82 DIGHTON MA 02715 2 08/09/02 00 0434448593 05 10/01/02 0 61986 N 09/01/32 0 7952363 P34/G02 F 209,000.00 ZZ 360 209,000.00 2 7.750 1,497.31 80 7.500 1,497.31 REHOBOTH MA 02769 2 08/09/02 00 0434453601 05 10/01/02 0 61987 N 09/01/32 0 7952371 P27/G02 F 100,000.00 ZZ 360 100,000.00 1 6.375 623.87 25 6.125 623.87 CORONA CA 92883 1 08/13/02 00 0434467536 03 10/01/02 0 1 W64755 O 09/01/32 0 7952425 313/G02 F 97,600.00 ZZ 360 97,600.00 1 6.500 616.90 80 6.250 616.90 GILBERT AZ 85234 1 08/07/02 00 0434450185 09 10/01/02 0 0008881393 N 09/01/32 0 7952431 E22/G02 F 621,250.00 ZZ 360 621,250.00 1 7.000 4,133.19 77 6.750 4,133.19 SUNNYVALE CA 94087 2 08/02/02 00 0414308387 05 10/01/02 0 0414308387 O 09/01/32 0 7952487 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.375 1,871.61 78 6.125 1,871.61 YORBA LINDA CA 92887 5 08/08/02 00 0414498097 03 10/01/02 0 0414498097 O 09/01/32 0 7952489 E22/G02 F 352,000.00 ZZ 360 352,000.00 1 6.500 2,224.88 80 6.250 2,224.88 SAN JOSE CA 95124 5 08/08/02 00 0414508184 05 10/01/02 0 0414508184 O 09/01/32 0 7952561 E22/G02 F 188,700.00 ZZ 360 188,700.00 1 7.500 1,319.42 85 7.250 1,319.42 HEMET CA 92544 2 08/09/02 11 0414608232 05 10/01/02 12 0414608232 O 09/01/32 0 1 7952597 E22/G02 F 111,200.00 ZZ 360 111,200.00 1 7.875 806.28 80 7.625 806.28 LAS VEGAS NV 89129 1 08/09/02 00 0414638296 03 10/01/02 0 0414638296 N 09/01/32 0 7952623 E22/G02 F 115,000.00 ZZ 360 115,000.00 1 6.750 745.89 70 6.500 745.89 BIG BEAR CITY CA 92314 1 08/09/02 00 0414688663 05 10/01/02 0 0414688663 N 09/01/32 0 7952629 E22/G02 F 135,850.00 ZZ 360 135,850.00 1 7.125 915.25 95 6.875 915.25 HARRISON TWP. MI 48045 1 08/15/02 01 0414713420 01 10/01/02 30 0414713420 O 09/01/32 0 7952691 E47/G02 F 300,700.00 ZZ 360 300,447.38 3 6.875 1,975.38 63 6.625 1,975.38 BERKELEY CA 94710 5 07/25/02 00 0434455176 05 09/01/02 0 7359510760 O 08/01/32 0 7952911 M66/G02 F 124,000.00 ZZ 360 123,905.64 1 7.375 856.44 80 7.125 856.44 HALEDON NJ 07508 1 07/30/02 00 0434458600 05 09/01/02 0 92403081 N 08/01/32 0 7952971 X31/G02 F 350,000.00 ZZ 360 350,000.00 1 7.375 2,417.36 76 7.125 2,417.36 1 NAPA CA 94558 1 08/07/02 00 0434415030 05 10/01/02 0 40103263 O 09/01/32 0 7953049 477/G02 F 109,200.00 ZZ 360 109,200.00 1 7.625 772.91 80 7.375 772.91 MESA AZ 85204 1 08/01/02 00 0434466561 03 10/01/02 0 237833 O 09/01/32 0 7953129 E44/G02 F 500,000.00 ZZ 360 500,000.00 1 7.000 3,326.51 76 6.750 3,326.51 OREM UT 84097 2 08/07/02 00 0434454427 05 10/01/02 0 48010213 O 09/01/32 0 7953189 F25/G02 F 295,000.00 ZZ 360 295,000.00 1 6.875 1,937.94 79 6.625 1,937.94 STATEN ISLAND NY 10312 1 08/15/02 00 0434462719 05 10/01/02 0 8967139 O 09/01/32 0 7953275 K15/G02 F 160,000.00 ZZ 240 160,000.00 1 6.875 1,228.50 80 6.625 1,228.50 NASHUA NH 03060 5 08/10/02 00 0434450722 05 10/01/02 0 033305502093 O 09/01/22 0 7953285 A06/G02 F 156,000.00 ZZ 360 155,868.94 1 6.875 1,024.81 75 6.625 1,024.81 CORONA CA 92882 2 07/29/02 00 0434447157 05 09/01/02 0 1 O 08/01/32 0 1 7953373 K15/G02 F 188,000.00 ZZ 360 188,000.00 1 6.875 1,235.03 80 6.625 1,235.03 ELMONT NY 11003 5 08/08/02 00 0434452314 05 10/01/02 0 021205502048 O 09/01/32 0 7953937 696/G02 F 272,150.00 ZZ 360 272,150.00 1 7.000 1,810.62 80 6.750 1,810.62 CLARKSBURG MD 20871 1 08/16/02 00 0434411609 03 10/01/02 0 32902135 O 09/01/32 0 7954059 E22/G02 F 182,250.00 ZZ 360 182,250.00 1 6.750 1,182.07 95 6.500 1,182.07 MILLSTADT IL 62260 1 08/15/02 04 0414244012 05 10/01/02 30 0414244012 O 09/01/32 0 7954085 E22/G02 F 300,000.00 ZZ 360 300,000.00 1 6.750 1,945.79 80 6.500 1,945.79 RICHMOND TX 77469 1 08/14/02 00 0414392324 03 10/01/02 0 0414392324 O 09/01/32 0 7954095 E22/G02 F 118,400.00 ZZ 360 118,400.00 1 6.500 748.37 80 6.250 748.37 BOISE ID 83709 1 08/15/02 00 0414439935 05 10/01/02 0 0414439935 O 09/01/32 0 7954141 E22/G02 F 123,250.00 ZZ 360 123,250.00 1 1 6.875 809.66 95 6.625 809.66 WINDSOR CT 06095 1 08/16/02 04 0414513663 05 10/01/02 30 0414513663 O 09/01/32 0 7954195 E22/G02 F 95,400.00 ZZ 360 95,400.00 4 7.125 642.73 90 6.875 642.73 ALBUQUERQUE NM 87108 1 08/16/02 01 0414579847 05 10/01/02 25 0414579847 N 09/01/32 0 7954213 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.750 674.54 80 6.500 674.54 MARYSVILLE CA 95901 1 08/12/02 00 0414593186 05 10/01/02 0 0414593186 N 09/01/32 0 7954221 E22/G02 F 125,910.00 ZZ 360 125,910.00 1 6.875 827.14 90 6.625 827.14 ST. CLAIR SHORE MI 48082 1 08/16/02 01 0414616854 05 10/01/02 25 0414616854 O 09/01/32 0 7954277 E22/G02 F 56,240.00 ZZ 360 56,240.00 1 8.000 412.67 95 7.750 412.67 MONTGOMERY AL 36110 5 08/12/02 04 0414658831 05 10/01/02 30 0414658831 O 09/01/32 0 7954287 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.750 716.41 80 7.500 716.41 CONYERS GA 30012 5 08/16/02 00 0414680272 05 10/01/02 0 1 0414680272 N 09/01/32 0 7954291 E22/G02 F 292,000.00 ZZ 360 292,000.00 2 6.750 1,893.91 80 6.500 1,893.91 LITTLE FERRY BO NJ 07643 2 08/12/02 00 0414686006 05 10/01/02 0 0414686006 O 09/01/32 0 7954301 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 7.750 745.07 80 7.500 745.07 CONYERS GA 30012 5 08/16/02 00 0414692483 05 10/01/02 0 0414692483 N 09/01/32 0 7954307 E22/G02 F 50,000.00 ZZ 360 50,000.00 1 6.750 324.30 29 6.500 324.30 ROYAL OAK MI 48067 5 08/16/02 00 0414695338 05 10/01/02 0 0414695338 N 09/01/32 0 7954311 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 6.750 570.77 77 6.500 570.77 EUGENE OR 97401 2 08/12/02 00 0414696526 05 10/01/02 0 0414696526 N 09/01/32 0 7954313 E22/G02 F 130,000.00 ZZ 360 130,000.00 2 7.000 864.89 48 6.750 864.89 ROYAL OAK MI 48067 5 08/16/02 00 0414703090 05 10/01/02 0 0414703090 N 09/01/32 0 1 7954371 E86/G02 F 27,400.00 ZZ 360 27,400.00 1 7.000 182.29 66 6.750 182.29 CRUMP TN 38327 2 07/29/02 00 0434449674 05 10/01/02 0 193612 O 09/01/32 0 7954533 225/G02 F 225,000.00 ZZ 360 224,824.48 1 7.250 1,534.90 78 7.000 1,534.90 JOHNSTON RI 02919 1 07/25/02 00 0434461919 05 09/01/02 0 006208306 O 08/01/32 0 7954537 225/G02 F 400,050.00 ZZ 360 399,469.06 1 7.625 2,831.53 75 7.375 2,831.53 HILTON HEAD I SC 29926 1 06/05/02 00 0434461463 05 08/01/02 0 006522931 O 07/01/32 0 7954541 225/G02 F 353,000.00 ZZ 360 352,717.71 1 7.125 2,378.23 74 6.875 2,378.23 RUMSON NJ 07760 2 07/11/02 00 0434476487 05 09/01/02 0 006541560 O 08/01/32 0 7954549 225/G02 F 410,000.00 ZZ 360 409,374.12 1 7.375 2,831.77 77 7.125 2,831.77 STATESVILLE NC 28625 1 05/20/02 00 0434475356 05 07/01/02 0 006546969 O 06/01/32 0 7954579 225/G02 F 398,400.00 ZZ 360 397,806.81 1 7.500 2,785.67 80 7.250 2,785.67 1 PRINCETON NJ 08540 1 07/01/02 00 0434476388 05 08/01/02 0 006588117 N 07/01/32 0 7954603 225/G02 F 186,750.00 ZZ 360 186,621.48 1 7.875 1,354.07 75 7.625 1,354.07 WHITE POST VA 22663 2 07/16/02 00 0434470654 05 09/01/02 0 006591609 O 08/01/32 0 7954605 225/G02 F 440,000.00 ZZ 360 439,656.75 1 7.250 3,001.58 80 7.000 3,001.58 MORRISTOWN NJ 07960 1 07/22/02 00 0434470506 05 09/01/02 0 006591680 O 08/01/32 0 7954629 225/G02 F 477,000.00 ZZ 360 476,579.16 1 6.625 3,054.28 74 6.375 3,054.28 ELLICOTT CITY MD 21042 5 07/22/02 00 0434494563 05 09/01/02 0 006592840 O 08/01/32 0 7954669 225/G02 F 650,000.00 ZZ 360 648,649.17 1 7.875 4,712.96 74 7.625 4,712.96 TARZANA CA 91356 2 04/29/02 00 0434487146 05 07/01/02 0 007358316 O 06/01/32 0 7954683 225/G02 F 456,000.00 ZZ 360 455,334.60 1 7.750 3,266.84 74 7.500 3,266.84 SALT LAKE CITY UT 84109 2 06/26/02 00 0434476255 05 08/01/02 0 007374105 O 07/01/32 0 1 7954721 225/G02 F 392,000.00 ZZ 360 391,430.74 1 7.625 2,774.56 80 7.375 2,774.56 QUEEN CREEK AZ 85242 2 06/28/02 00 0434461513 05 08/01/02 0 007379031 O 07/01/32 0 7954729 225/G02 F 340,000.00 ZZ 360 339,741.28 1 7.375 2,348.30 46 7.125 2,348.30 POWAY CA 92064 5 07/17/02 00 0434475448 05 09/01/02 0 007379595 O 08/01/32 0 7954749 225/G02 F 376,500.00 ZZ 360 376,259.92 1 8.250 2,828.52 75 8.000 2,828.52 MONMOUTH BEAC NJ 07750 1 07/10/02 00 0434475463 01 09/01/02 0 006590428 N 08/01/32 0 7954775 225/G02 F 420,000.00 ZZ 360 419,647.15 1 6.875 2,759.10 80 6.625 2,759.10 CHARLESTON SC 29492 2 07/17/02 00 0434487203 03 09/01/02 0 006584923 O 08/01/32 0 7954795 225/G02 F 430,840.00 ZZ 360 430,512.16 1 7.375 2,975.71 80 7.125 2,975.71 PALM BEACH GA FL 33418 1 07/22/02 00 0434461596 03 09/01/02 0 007368238 O 08/01/32 0 7954797 225/G02 F 489,000.00 ZZ 360 488,341.59 1 1 8.000 3,588.11 28 7.750 3,588.11 LAKE FOREST IL 60045 2 06/24/02 00 0434476123 03 08/01/02 0 007371376 O 07/01/32 0 7954801 225/G02 F 335,750.00 ZZ 360 335,202.66 1 7.375 2,318.94 76 7.125 2,318.94 CHICAGO IL 60607 1 06/27/02 00 0434493003 03 08/01/02 0 007377696 O 07/01/32 0 7954807 225/G02 F 450,000.00 ZZ 360 449,648.95 1 7.250 3,069.80 75 7.000 3,069.80 NEWNAN GA 30265 2 07/10/02 00 0434487187 03 09/01/02 0 007379586 O 08/01/32 0 7954825 225/G02 F 307,100.00 ZZ 360 306,872.09 1 7.500 2,147.29 80 7.250 2,147.29 DAVIE FL 33328 1 07/11/02 00 0434461711 03 09/01/02 0 008477289 O 08/01/32 0 7954839 225/G02 F 134,550.00 ZZ 360 134,450.14 3 7.500 940.80 90 7.250 940.80 SUSSEX NJ 07461 1 06/18/02 10 0434461802 05 08/01/02 25 007375194 N 07/01/32 0 7954847 225/G02 F 171,450.00 ZZ 360 171,201.01 3 7.625 1,213.52 90 7.375 1,213.52 NEW BERLIN WI 53151 5 06/28/02 10 0434476172 05 08/01/02 25 1 007380292 O 07/01/32 0 7954919 E82/G02 F 118,400.00 ZZ 360 118,400.00 1 6.625 758.13 80 6.375 758.13 MILWAUKIE OR 97267 2 08/14/02 00 0400675823 05 10/01/02 0 5021472 O 09/01/32 0 7954927 E82/G02 F 116,300.00 ZZ 360 116,300.00 1 6.875 764.01 60 6.625 764.01 CEDARVILLE NJ 08311 2 08/09/02 00 0400662417 05 10/01/02 0 2865380 O 09/01/32 0 7954931 E82/G02 F 118,750.00 ZZ 360 118,750.00 1 7.250 810.08 80 7.000 810.08 MIDDLETOWN NJ 07748 5 08/15/02 00 0400674859 05 10/01/02 0 0400674859 O 09/01/32 0 7954947 E82/G02 F 150,000.00 T 360 150,000.00 1 7.250 1,023.26 40 7.000 1,023.26 KURE BEACH NC 28449 2 08/13/02 00 0400661864 05 10/01/02 0 7114597 O 09/01/32 0 7954959 E82/G02 F 177,000.00 ZZ 360 177,000.00 1 6.750 1,148.02 48 6.500 1,148.02 CULVER CITY CA 90230 2 08/09/02 00 0400662110 05 10/01/02 0 0400662110 O 09/01/32 0 1 7954965 E82/G02 F 146,400.00 ZZ 360 146,400.00 1 6.875 961.74 66 6.625 961.74 THOUSAND OAKS CA 91360 2 08/09/02 00 0400662045 05 10/01/02 0 189308 O 09/01/32 0 7954969 E82/G02 F 258,000.00 T 360 258,000.00 1 7.000 1,716.48 77 6.750 1,716.48 SANTA ROSA BEAC FL 32459 2 08/16/02 00 0400672333 05 10/01/02 0 4697992 O 09/01/32 0 7954981 E82/G02 F 50,300.00 ZZ 360 50,300.00 1 6.875 330.44 64 6.625 330.44 ENGLEWOOD FL 34224 2 08/14/02 00 0400674503 05 10/01/02 0 1976164 O 09/01/32 0 7955007 E82/G02 F 133,000.00 ZZ 360 133,000.00 4 7.500 929.96 67 7.250 929.96 ANACORTES WA 98221 2 08/19/02 00 0400668430 05 10/01/02 0 1986008 N 09/01/32 0 7955009 E82/G02 F 54,700.00 ZZ 360 54,700.00 2 7.750 391.88 60 7.500 391.88 CLEVELAND OH 44102 2 08/19/02 00 0400663407 05 10/01/02 0 3226996 N 09/01/32 0 7955015 E82/G02 F 96,400.00 T 360 96,400.00 1 6.875 633.28 35 6.625 633.28 1 CAPITOLA CA 95010 2 08/12/02 00 0400667887 01 10/01/02 0 1771297 O 09/01/32 0 7955035 E82/G02 F 215,000.00 ZZ 360 215,000.00 1 7.000 1,430.40 63 6.750 1,430.40 BIG LAKE AK 99652 5 08/09/02 00 0400635975 05 10/01/02 0 0400635975 O 09/01/32 0 7956981 G34/G02 F 475,000.00 ZZ 360 475,000.00 1 6.625 3,041.48 53 6.375 3,041.48 BERKELEY CA 94705 1 08/06/02 00 0434455028 05 10/01/02 0 48200374 O 09/01/32 0 7957091 E77/G02 F 155,200.00 ZZ 360 155,069.62 1 6.875 1,019.55 80 6.625 1,019.55 SERVERN MD 21144 1 07/31/02 00 0434462008 03 09/01/02 0 1080002151 O 08/01/32 0 7957205 N67/G02 F 305,000.00 ZZ 360 304,730.90 1 6.625 1,952.95 73 6.375 1,952.95 SCOTTSDALE AZ 85259 5 07/09/02 00 0434420402 03 09/01/02 0 1760002862A O 08/01/32 0 7957229 N67/G02 F 215,500.00 ZZ 360 215,340.07 1 7.500 1,506.81 80 7.250 1,506.81 PEORIA AZ 85383 1 07/11/02 00 0434420584 03 09/01/02 0 1781002080A O 08/01/32 0 1 7957303 N67/G02 F 236,000.00 ZZ 360 235,829.19 1 7.625 1,670.39 80 7.375 1,670.39 HENDERSON NV 89014 1 07/10/02 00 0434420949 03 09/01/02 0 1782001557A O 08/01/32 0 7957367 N67/G02 F 139,150.00 ZZ 360 139,049.29 1 7.625 984.89 89 7.375 984.89 HUNTERSVILLE NC 28078 1 07/16/02 01 0434421343 03 09/01/02 30 3252002187A O 08/01/32 0 7957455 N67/G02 F 70,000.00 ZZ 360 69,957.59 1 8.500 538.24 87 8.250 538.24 PETERSBURG VA 23805 1 07/16/02 12 0434423521 05 09/01/02 30 3254001131A O 08/01/32 0 7957779 N67/G02 F 264,250.00 ZZ 360 264,022.49 1 6.750 1,713.92 54 6.500 1,713.92 VIRGINA BEACH VA 23456 1 07/17/02 00 0434424024 05 09/01/02 0 3274003171A O 08/01/32 0 7957807 G51/G02 F 193,600.00 ZZ 360 193,600.00 2 7.500 1,353.68 80 7.250 1,353.68 LAS VEGAS NV 89119 1 08/08/02 00 0434456802 05 10/01/02 0 892431 N 09/01/32 0 7957811 E86/G02 F 120,000.00 ZZ 360 120,000.00 1 1 7.000 798.36 23 6.750 798.36 BEDFORD CORNERS NY 10549 1 08/07/02 00 0434458097 05 10/01/02 0 316741 O 09/01/32 0 7957855 K15/G02 F 97,000.00 ZZ 360 97,000.00 1 7.625 686.56 84 7.375 686.56 ALBUQUERQUE NM 87107 5 08/08/02 11 0434456448 05 10/01/02 12 033505302127 O 09/01/32 0 7957937 U05/G02 F 270,400.00 ZZ 360 270,183.77 1 7.125 1,821.73 80 6.875 1,821.73 HUMBLE TX 77345 5 07/26/02 00 0434463691 03 09/01/02 0 3248475 O 08/01/32 0 7957945 K15/G02 F 143,000.00 ZZ 360 143,000.00 2 6.875 939.41 48 6.625 939.41 ROXBURY MA 02119 5 08/09/02 00 0434449757 05 10/01/02 0 013805309807 O 09/01/32 0 7957985 U05/G02 F 155,100.00 ZZ 360 155,100.00 1 6.500 980.34 80 6.250 980.34 PORTLAND OR 97203 1 08/01/02 00 0434462446 05 10/01/02 0 3251029 O 09/01/32 0 7958065 U28/G02 F 187,419.00 ZZ 360 187,419.00 1 7.250 1,278.53 79 7.000 1,278.53 DACULA GA 30019 1 08/08/02 00 0434457313 03 10/01/02 0 1 2000003061 O 09/01/32 0 7958157 X67/G02 F 91,500.00 ZZ 360 91,430.37 1 7.375 631.97 55 7.125 631.97 CRESTLINE CA 92325 1 07/24/02 00 0434457974 05 09/01/02 0 00268424 N 08/01/32 0 7958169 X72/G02 F 103,100.00 ZZ 360 103,100.00 1 7.125 694.60 80 6.875 694.60 FORT COLLINS CO 80521 1 08/14/02 00 0434464368 01 10/01/02 0 11001028 N 09/01/32 0 7958609 U05/G02 F 98,250.00 ZZ 360 98,169.46 1 7.000 653.66 80 6.750 653.66 PORTLAND OR 97213 1 07/27/02 00 0434457164 05 09/01/02 0 3234548 N 08/01/32 0 7958955 U05/G02 F 150,000.00 ZZ 360 149,882.99 1 7.250 1,023.26 75 7.000 1,023.26 SAN ANTONIO TX 78210 5 07/23/02 00 0434461208 05 09/01/02 0 3245355 O 08/01/32 0 7958977 N47/G02 F 391,000.00 ZZ 360 391,000.00 1 6.625 2,503.62 60 6.375 2,503.62 SAN JOSE CA 95148 2 08/09/02 00 0434448346 05 10/01/02 0 20321112 O 09/01/32 0 1 7959175 286/286 F 62,400.00 ZZ 360 62,355.95 1 7.750 447.05 80 7.500 447.05 NEWARK OH 43055 1 07/19/02 00 1381738 05 09/01/02 0 1381738 N 08/01/32 0 7959177 286/286 F 237,000.00 ZZ 360 236,504.12 1 7.250 1,616.76 69 7.000 1,616.76 ANNAPOLIS MD 21403 5 06/24/02 00 1331985 01 08/01/02 0 1331985 N 07/01/32 0 7959181 286/286 F 92,800.00 ZZ 360 92,729.38 1 7.375 640.95 80 7.125 640.95 PORTSMOUTH OH 45662 1 07/08/02 00 1354112 05 09/01/02 0 1354112 N 08/01/32 0 7959189 286/286 F 80,000.00 ZZ 360 79,874.79 1 7.250 545.75 90 7.000 545.75 BLOOMINGTON IL 61704 1 06/27/02 10 1325470 05 08/01/02 25 1325470 N 07/01/32 0 7959193 286/286 F 65,100.00 ZZ 360 65,003.07 1 7.500 455.19 90 7.250 455.19 TUCSON AZ 85712 1 06/05/02 14 1279445 05 08/01/02 25 1279445 N 07/01/32 0 7959199 286/286 F 176,000.00 ZZ 360 175,737.94 3 7.500 1,230.62 80 7.250 1,230.62 1 HILLIARD OH 43026 1 06/28/02 00 1329985 05 08/01/02 0 1329985 N 07/01/32 0 7959201 286/286 F 229,200.00 ZZ 360 229,021.20 4 7.250 1,563.55 80 7.000 1,563.55 ROCHESTER MI 48307 1 07/12/02 00 1327373 05 09/01/02 0 1327373 N 08/01/32 0 7959203 286/286 F 68,000.00 ZZ 360 67,945.62 2 7.125 458.13 79 6.875 458.13 LEWISTON ID 83501 5 07/10/02 00 1373628 05 09/01/02 0 1373628 N 08/01/32 0 7959205 286/286 F 36,000.00 ZZ 360 35,883.98 1 7.875 261.03 90 7.625 261.03 NEW CASTLE PA 16101 1 06/25/02 10 1340145 05 08/01/02 25 1340145 N 07/01/32 0 7959207 286/286 F 146,700.00 ZZ 360 144,537.90 4 8.250 1,102.11 90 7.875 1,102.11 AUSTIN TX 78723 1 04/16/01 19 148263 05 06/01/01 30 148263 N 05/01/31 0 7959215 286/286 F 59,000.00 ZZ 360 58,912.15 1 7.500 412.54 56 7.250 412.54 JEFFERSONVILLE IN 47130 1 06/20/02 00 1329970 05 08/01/02 0 1329970 N 07/01/32 0 1 7959219 286/286 F 43,400.00 ZZ 360 43,291.86 1 7.750 310.92 70 7.500 310.92 KANSAS CITY KS 66102 5 05/24/02 00 1309097 05 07/01/02 0 1309097 N 06/01/32 0 7959221 286/286 F 208,500.00 ZZ 360 208,189.55 4 7.500 1,457.87 71 7.250 1,457.87 HAVERSTRAW NY 10927 2 06/24/02 00 1267534 05 08/01/02 0 1267534 N 07/01/32 0 7959223 286/286 F 65,000.00 ZZ 300 64,862.83 1 8.000 501.69 80 7.750 501.69 ST PETERSBURG FL 33710 5 06/21/02 00 1286477 05 08/01/02 0 1286477 N 07/01/27 0 7959225 286/286 F 88,000.00 ZZ 360 87,868.97 1 7.500 615.31 80 7.250 615.31 EAST POINTE MI 48069 1 06/21/02 00 1324060 05 08/01/02 0 1324060 N 07/01/32 0 7959227 286/286 F 71,300.00 ZZ 360 71,140.26 1 7.500 498.54 89 7.250 498.54 EDMOND OK 73013 2 05/13/02 14 1286514 03 07/01/02 25 1286514 N 06/01/32 0 7959229 286/286 F 112,000.00 ZZ 360 111,824.73 1 1 7.250 764.04 78 7.000 764.04 DECATUR GA 30032 5 06/14/02 00 1337264 05 08/01/02 0 1337264 N 07/01/32 0 7959235 286/286 F 66,000.00 ZZ 360 65,951.01 1 7.500 461.49 80 7.250 461.49 CHAMPAIGN IL 61820 1 07/18/02 00 1314583 05 09/01/02 0 1314583 N 08/01/32 0 7959239 286/286 F 30,600.00 ZZ 360 30,554.44 1 7.500 213.96 90 7.250 213.96 BOSSIER CITY LA 71111 1 06/13/02 11 1327266 05 08/01/02 25 1327266 N 07/01/32 0 7959241 286/286 F 30,600.00 ZZ 360 30,554.44 1 7.500 213.96 90 7.250 213.96 BOSSIER CITY LA 71111 1 06/13/02 04 1327271 05 08/01/02 25 1327271 N 07/01/32 0 7959243 286/286 F 29,700.00 ZZ 360 29,655.78 1 7.500 207.67 90 7.250 207.67 BOSSIER CITY LA 71111 1 06/13/02 10 1331682 05 08/01/02 25 1331682 N 07/01/32 0 7959245 286/286 F 29,700.00 ZZ 360 29,655.78 1 7.500 207.67 90 7.250 207.67 BOSSIER CITY LA 71111 1 06/13/02 04 1331692 01 08/01/02 25 1 1331692 N 07/01/32 0 7959247 286/286 F 49,600.00 ZZ 360 49,563.31 2 7.625 351.07 80 7.375 351.07 NEW BRIGHTON PA 15066 1 07/08/02 00 1334115 05 09/01/02 0 1334115 N 08/01/32 0 7959249 286/286 F 55,300.00 ZZ 360 55,261.94 1 7.875 400.97 85 7.625 400.97 OWENSBORO KY 42301 2 07/10/02 11 1274960 05 09/01/02 12 1274960 N 08/01/32 0 7959251 286/286 F 54,000.00 ZZ 360 53,834.09 3 7.375 372.97 80 7.125 372.97 ROCKFORD IL 61104 1 04/25/02 00 1087831 05 06/01/02 0 1087831 N 05/01/32 0 7959261 286/286 F 220,400.00 ZZ 360 220,055.08 3 7.250 1,503.52 80 7.000 1,503.52 BURLINGTON VT 05401 1 07/01/02 00 1317864 05 08/01/02 0 1317864 N 07/01/32 0 7959263 286/286 F 144,000.00 ZZ 360 143,774.64 2 7.250 982.34 78 7.000 982.34 BURLINGTON VT 05401 2 07/01/02 00 1352302 05 08/01/02 0 1352302 N 07/01/32 0 1 7959265 286/286 F 27,900.00 ZZ 360 27,861.46 1 7.875 202.30 90 7.625 202.30 FORT WAYNE IN 46807 1 07/01/02 11 1322058 05 08/01/02 25 1322058 N 07/01/32 0 7959267 286/286 F 205,100.00 ZZ 360 204,786.90 4 7.375 1,416.58 70 7.125 1,416.58 NORTH PLAINFIEL NJ 07060 5 06/25/02 00 1099985 05 08/01/02 0 1099985 N 07/01/32 0 7959269 286/286 F 90,000.00 ZZ 360 89,862.60 1 7.375 621.61 90 7.125 621.61 BOSSIER CITY LA 71112 1 06/26/02 11 1336622 05 08/01/02 25 1336622 N 07/01/32 0 7959273 286/286 F 34,550.00 ZZ 360 34,503.47 1 8.000 253.52 76 7.750 253.52 HAZELWOOD MO 63042 2 06/24/02 00 1292923 05 08/01/02 0 1292923 N 07/01/32 0 7959281 286/286 F 52,500.00 ZZ 360 52,409.92 2 8.000 385.23 79 7.750 385.23 ST ANN MO 63074 5 06/11/02 00 1294841 05 08/01/02 0 1294841 N 07/01/32 0 7959283 286/286 F 55,120.00 ZZ 360 55,039.95 1 7.625 390.14 80 7.375 390.14 1 CHARLOTTESVILLE VA 22903 1 06/21/02 00 1019431 05 08/01/02 0 1019431 N 07/01/32 0 7959285 286/286 F 72,000.00 ZZ 360 71,892.79 1 7.500 503.44 80 7.250 503.44 SPRING TX 77373 5 06/21/02 00 1341472 03 08/01/02 0 1341472 N 07/01/32 0 7959287 286/286 F 56,000.00 ZZ 360 55,916.60 2 7.500 391.57 80 7.250 391.57 PENSACOLA FL 32514 1 07/03/02 00 1372073 05 08/01/02 0 1372073 N 07/01/32 0 7959289 286/286 F 46,000.00 ZZ 360 45,936.47 2 7.875 333.54 65 7.625 333.54 SPRINGFIELD MA 01151 2 06/28/02 00 1302557 05 08/01/02 0 1302557 N 07/01/32 0 7959291 286/286 F 52,000.00 ZZ 360 51,920.62 1 7.375 359.15 54 7.125 359.15 SUN CITY AZ 85373 1 06/17/02 00 1310911 05 08/01/02 0 1310911 N 07/01/32 0 7959293 286/286 F 113,400.00 ZZ 360 113,231.15 2 7.500 792.91 90 7.250 792.91 PATERSON NJ 07504 1 06/24/02 11 234595 05 08/01/02 30 234595 N 07/01/32 0 1 7959295 286/286 F 49,500.00 ZZ 360 49,433.34 2 8.000 363.22 90 7.750 363.22 IRVINGTON NJ 07003 1 06/14/02 12 1012244 05 08/01/02 25 1012244 N 07/01/32 0 7959297 286/286 F 122,400.00 ZZ 360 122,213.15 1 7.375 845.39 90 7.125 845.39 NEWARK DE 19713 1 06/28/02 11 1376621 05 08/01/02 25 1376621 N 07/01/32 0 7959303 286/286 F 32,580.00 ZZ 360 32,554.58 1 7.250 222.26 90 7.000 222.26 BOSSIER CITY LA 71111 1 07/18/02 11 1362500 05 09/01/02 25 1362500 N 08/01/32 0 7959309 286/286 F 149,500.00 ZZ 360 149,277.40 1 7.500 1,045.33 85 7.250 1,045.33 LOVELAND OH 45140 2 06/19/02 11 1334825 05 08/01/02 12 1334825 N 07/01/32 0 7959315 286/286 F 147,000.00 ZZ 360 146,785.33 1 7.250 1,002.80 77 7.000 1,002.80 COLUMBUS OH 43230 1 07/19/02 00 1375491 05 09/01/02 0 1375491 N 08/01/32 0 7959321 286/286 F 67,500.00 ZZ 360 67,404.41 1 1 7.750 483.58 90 7.500 483.58 ORLANDO FL 32817 1 07/02/02 11 1301379 05 08/01/02 25 1301379 N 07/01/32 0 7959323 286/286 F 52,000.00 ZZ 360 51,873.44 1 7.875 377.04 80 7.625 377.04 TRENTON FL 32693 5 05/06/02 00 1270686 27 07/01/02 0 1270686 N 06/01/32 0 7959325 286/286 F 73,600.00 ZZ 300 72,965.22 1 7.125 526.08 80 6.875 526.08 INDIANAPOLIS IN 46214 2 01/15/02 00 879688 03 03/01/02 0 879688 N 02/01/27 0 7959329 286/286 F 232,000.00 ZZ 360 231,814.47 1 7.125 1,563.03 80 6.875 1,563.03 CHICAGO IL 60614 1 07/15/02 00 1361046 01 09/01/02 0 1361046 N 08/01/32 0 7959333 286/286 F 44,000.00 ZZ 360 43,940.75 1 8.000 322.86 80 7.750 322.86 EVANSVILLE IN 47712 5 07/05/02 00 1374468 05 08/01/02 0 1374468 N 07/01/32 0 7959335 286/286 F 54,000.00 ZZ 360 53,923.51 1 7.750 386.87 63 7.500 386.87 SHARPSVILLE PA 16150 2 07/02/02 00 1336368 05 08/01/02 0 1 1336368 N 07/01/32 0 7959341 286/286 F 209,950.00 ZZ 360 209,637.40 1 7.500 1,468.00 85 7.250 1,468.00 HIGHLANDS RANCH CO 80126 5 06/18/02 11 1326207 03 08/01/02 12 1326207 N 07/01/32 0 7959353 286/286 F 62,010.00 ZZ 360 61,921.77 1 7.750 444.25 90 7.500 444.25 UPPER DARBY PA 19082 1 07/05/02 12 1306715 05 08/01/02 25 1306715 N 07/01/32 0 7959359 286/286 F 45,000.00 ZZ 360 44,872.80 1 7.500 314.65 74 7.250 314.65 FLORENCE SC 29501 5 06/20/02 00 1353409 05 08/01/02 0 1353409 N 07/01/32 0 7959361 286/286 F 194,400.00 ZZ 360 193,985.70 4 7.750 1,392.71 80 7.500 1,392.71 MIAMI FL 33125 1 05/14/02 00 1281810 05 07/01/02 0 1281810 N 06/01/32 0 7959365 286/286 F 360,000.00 ZZ 300 359,564.31 4 7.125 2,573.19 52 6.875 2,573.19 JERSEY CITY NJ 07302 5 07/10/02 00 547040 05 09/01/02 0 547040 N 08/01/27 0 1 7959373 286/286 F 56,700.00 ZZ 360 56,661.95 1 8.000 416.05 90 7.750 416.05 CHICAGO IL 60629 1 07/23/02 12 1336700 01 09/01/02 25 1336700 N 08/01/32 0 7959375 286/286 F 293,930.00 ZZ 360 293,686.04 1 7.750 2,105.76 70 7.500 2,105.76 CHALFONT PA 18914 1 07/12/02 00 1352517 05 09/01/02 0 1352517 N 08/01/32 0 7959377 286/286 F 300,700.00 ZZ 360 300,252.22 1 7.500 2,102.54 80 7.250 2,102.54 NORTHBROOK IL 60062 1 06/14/02 00 1337069 05 08/01/02 0 1337069 N 07/01/32 0 7959379 286/286 F 82,800.00 ZZ 360 82,735.40 1 7.250 564.85 84 7.000 564.85 WEST DEPTFORD NJ 08086 2 07/10/02 14 1324848 01 09/01/02 12 1324848 N 08/01/32 0 7959383 286/286 F 73,800.00 ZZ 360 73,687.34 1 7.375 509.72 90 7.125 509.72 SILVER SPRING MD 20903 1 06/21/02 11 1338062 06 08/01/02 25 1338062 N 07/01/32 0 7959387 286/286 F 72,000.00 ZZ 360 71,942.42 1 7.125 485.08 80 6.875 485.08 1 NEWARK OH 43055 5 07/10/02 00 1326017 05 09/01/02 0 1326017 N 08/01/32 0 7959389 286/286 F 184,000.00 ZZ 360 183,726.03 4 7.500 1,286.56 80 7.250 1,286.56 BRIDGEPORT PA 19405 1 06/25/02 00 1065733 05 08/01/02 0 1065733 N 07/01/32 0 7959393 286/286 F 158,900.00 ZZ 360 158,686.03 1 8.000 1,165.96 80 7.750 1,165.96 ORLAND PARK IL 60467 1 06/28/02 00 907328 03 08/01/02 0 907328 N 07/01/32 0 7959395 286/286 F 56,700.00 ZZ 360 56,609.05 1 7.125 382.00 90 6.875 382.00 MIDWEST CITY OK 73130 1 06/14/02 12 1325870 05 08/01/02 25 1325870 N 07/01/32 0 7959397 286/286 F 72,000.00 ZZ 360 71,878.57 1 8.125 534.60 90 7.875 534.60 MARBLEHEAD OH 43440 1 06/26/02 11 1345735 05 08/01/02 25 1345735 N 07/01/32 0 7959403 286/286 F 112,500.00 ZZ 360 112,332.49 1 7.500 786.62 90 7.250 786.62 CAPE CORAL FL 33904 1 06/07/02 21 1337718 01 08/01/02 25 1337718 N 07/01/32 0 1 7959405 286/286 F 87,200.00 ZZ 360 87,135.28 1 7.500 609.72 80 7.250 609.72 BROWNSBURG IN 46112 1 07/22/02 00 1397136 05 09/01/02 0 1397136 N 08/01/32 0 7959407 286/286 F 60,800.00 ZZ 360 60,676.79 2 8.000 446.13 80 7.750 446.13 SAGINAW MI 48602 5 05/10/02 00 1285249 05 07/01/02 0 1285249 N 06/01/32 0 7959411 286/286 F 23,800.00 ZZ 360 23,741.14 1 8.000 174.64 85 7.750 174.64 TOPEKA KS 66605 5 06/10/02 11 1304876 05 08/01/02 12 1304876 N 07/01/32 0 7959413 286/286 F 175,000.00 ZZ 360 174,745.87 1 7.625 1,238.64 80 7.375 1,238.64 ALEXANDRIA VA 22302 5 06/10/02 00 1317593 01 08/01/02 0 1317593 N 07/01/32 0 7959419 286/286 F 62,010.00 ZZ 360 61,917.65 1 7.500 433.59 90 7.250 433.59 PITTSBURGH PA 15218 1 07/05/02 11 1371515 05 08/01/02 25 1371515 N 07/01/32 0 7959421 286/286 F 53,600.00 ZZ 360 53,522.16 2 1 7.625 379.38 80 7.375 379.38 ERIE PA 16502 1 07/03/02 00 1343423 05 08/01/02 0 1343423 N 07/01/32 0 7959423 286/286 F 183,000.00 ZZ 360 180,746.93 1 8.000 1,342.79 78 7.750 1,342.79 PITTSBURGH PA 15218 2 07/05/02 00 1376797 05 08/01/02 0 1376797 N 07/01/32 0 7959433 286/286 F 50,000.00 ZZ 360 49,963.81 1 7.625 353.90 48 7.375 353.90 CLEVELAND OH 44111 5 07/01/02 00 1311917 05 09/01/02 0 1311917 N 08/01/32 0 7959435 286/286 F 127,900.00 ZZ 360 127,797.72 1 7.125 861.69 80 6.875 861.69 TUCSON AZ 85718 1 07/11/02 00 1411416 03 09/01/02 0 1411416 N 08/01/32 0 7959437 286/286 F 68,400.00 ZZ 360 68,303.13 1 7.750 490.03 80 7.500 490.03 INDIANAPOLIS IN 46239 1 07/02/02 00 1316981 05 08/01/02 0 1316981 N 07/01/32 0 7959439 286/286 F 68,000.00 ZZ 360 67,948.26 1 7.375 469.66 80 7.125 469.66 MANALAPAN NJ 07726 1 07/18/02 00 1281182 01 09/01/02 0 1 1281182 N 08/01/32 0 7959441 286/286 F 58,300.00 ZZ 360 58,215.33 1 7.625 412.65 38 7.375 412.65 SAN JUAN CAPIST CA 92675 2 06/26/02 00 1274432 01 08/01/02 0 1274432 N 07/01/32 0 7959445 286/286 F 144,000.00 ZZ 360 143,785.59 1 7.500 1,006.87 90 7.250 1,006.87 ELGIN IL 60120 1 06/28/02 11 1332959 05 08/01/02 25 1332959 N 07/01/32 0 7959447 286/286 F 64,000.00 ZZ 360 63,904.70 1 7.500 447.50 48 7.250 447.50 MECHANICSBURG PA 17055 1 06/28/02 00 1349223 03 08/01/02 0 1349223 N 07/01/32 0 7959449 286/286 F 125,600.00 ZZ 360 125,097.61 1 7.125 846.20 80 6.875 846.20 LEWISVILLE TX 75077 1 06/13/02 00 1321393 05 08/01/02 0 1321393 N 07/01/32 0 7959451 286/286 F 85,000.00 ZZ 360 84,866.98 1 7.250 579.85 76 7.000 579.85 BRICK NJ 08723 1 07/02/02 00 1311871 01 08/01/02 0 1311871 N 07/01/32 0 1 7959455 286/286 F 40,000.00 ZZ 360 39,943.34 1 7.750 286.57 80 7.500 286.57 MUNCIE IN 47302 5 06/28/02 00 1384887 05 08/01/02 0 1384887 N 07/01/32 0 7959457 286/286 F 162,000.00 ZZ 360 161,788.51 2 7.875 1,174.62 90 7.625 1,174.62 ASBURY PARK NJ 07712 1 07/12/02 12 1281636 05 09/01/02 25 1281636 N 08/01/32 0 7959467 286/286 F 156,924.00 ZZ 360 156,690.35 1 7.500 1,097.24 90 7.250 1,097.24 WELLINGTON FL 33414 1 06/10/02 11 1332581 05 08/01/02 25 1332581 N 07/01/32 0 7959469 286/286 F 160,000.00 ZZ 360 159,875.19 2 7.250 1,091.48 60 7.000 1,091.48 RIDGEFIELD PARK NJ 07660 5 07/10/02 00 1355605 05 09/01/02 0 1355605 N 08/01/32 0 7959475 286/286 F 47,700.00 ZZ 360 47,550.50 1 7.750 341.73 90 7.500 341.73 NORFOLK VA 23505 1 06/17/02 11 1335577 05 08/01/02 25 1335577 N 07/01/32 0 7959479 286/286 F 68,000.00 ZZ 360 67,896.20 1 7.375 469.66 70 7.125 469.66 1 ALIQUIPPA PA 15001 1 06/07/02 00 1331173 05 08/01/02 0 1331173 N 07/01/32 0 7959483 286/286 F 62,000.00 ZZ 360 61,679.68 1 7.625 438.84 60 7.375 438.84 DOVER DE 19904 5 01/18/02 00 550524 05 03/01/02 0 550524 N 02/01/32 0 7959485 286/286 F 128,800.00 ZZ 360 128,603.38 1 7.375 889.59 80 7.125 889.59 MARIETTA GA 30062 5 06/24/02 00 1308370 05 08/01/02 0 1308370 N 07/01/32 0 7959487 286/286 F 42,300.00 ZZ 360 42,243.03 1 8.000 310.39 90 7.750 310.39 INDIANAPOLIS IN 46218 2 06/21/02 11 1314454 05 08/01/02 30 1314454 N 07/01/32 0 7959493 286/286 F 64,700.00 ZZ 360 64,610.65 1 7.875 469.12 90 7.625 469.12 ST PETERSBURG FL 33710 1 06/14/02 11 1344835 05 08/01/02 25 1344835 N 07/01/32 0 7959499 286/286 F 132,300.00 ZZ 360 132,103.00 1 7.500 925.07 90 7.250 925.07 MT PROSPECT IL 60056 1 06/11/02 12 1308850 01 08/01/02 25 1308850 N 07/01/32 0 1 7959501 286/286 F 85,600.00 ZZ 360 85,337.03 3 7.375 591.22 80 7.125 591.22 CRAFTON PA 15205 1 04/05/02 00 104139 05 06/01/02 0 104139 N 05/01/32 0 7959503 286/286 F 79,200.00 ZZ 360 79,072.94 1 7.125 533.59 80 6.875 533.59 ARLINGTON TX 76016 1 06/21/02 00 1329522 05 08/01/02 0 1329522 N 07/01/32 0 7959505 286/286 F 54,400.00 ZZ 360 54,357.56 1 7.250 371.11 80 7.000 371.11 WARREN MI 48089 5 07/02/02 00 1309418 05 09/01/02 0 1309418 N 08/01/32 0 7959507 286/286 F 140,000.00 ZZ 360 139,888.04 1 7.125 943.21 72 6.875 943.21 GERMANTOWN MD 20874 5 07/12/02 00 1359943 03 09/01/02 0 1359943 N 08/01/32 0 7959509 286/286 F 117,000.00 ZZ 360 116,825.78 1 7.500 818.09 90 7.250 818.09 MINNEAPOLIS MN 55410 1 06/17/02 14 1329284 01 08/01/02 25 1329284 N 07/01/32 0 7959511 286/286 F 124,000.00 ZZ 360 123,810.70 1 1 7.375 856.44 80 7.125 856.44 MAREITTA GA 30066 5 06/24/02 00 1270716 05 08/01/02 0 1270716 N 07/01/32 0 7959515 286/286 F 53,400.00 ZZ 360 53,320.47 1 7.500 373.39 69 7.250 373.39 NORMAL IL 61761 2 06/11/02 00 1302793 05 08/01/02 0 1302793 N 07/01/32 0 7959521 286/286 F 34,200.00 ZZ 360 34,164.93 1 8.125 253.94 90 7.875 253.94 CRANDALL IN 47114 1 07/03/02 11 1336758 05 09/01/02 25 1336758 N 08/01/32 0 7959525 286/286 F 24,240.00 ZZ 360 24,206.53 1 7.875 175.76 80 7.625 175.76 ANDERSON IN 46012 1 07/01/02 00 1360186 05 08/01/02 0 1360186 N 07/01/32 0 7959529 286/286 F 85,000.00 ZZ 360 84,935.33 1 7.375 587.07 80 7.125 587.07 SPRING TX 77388 1 07/02/02 00 1373732 03 09/01/02 0 1373732 N 08/01/32 0 7959531 286/286 F 54,700.00 ZZ 360 54,618.54 1 7.500 382.48 63 7.250 382.48 BEECH GROVE IN 46107 2 06/26/02 00 1359930 05 08/01/02 0 1 1359930 N 07/01/32 0 7959533 286/286 F 80,800.00 ZZ 360 80,679.69 3 7.500 564.97 77 7.250 564.97 CANTON OH 44708 1 06/13/02 00 1310018 05 08/01/02 0 1310018 N 07/01/32 0 7959535 286/286 F 160,000.00 ZZ 360 159,878.25 1 7.375 1,105.08 75 7.125 1,105.08 INDIANAPOLIS IN 46236 2 07/12/02 00 1359601 05 09/01/02 0 1359601 N 08/01/32 0 7959541 286/286 F 102,500.00 ZZ 360 102,270.38 4 7.500 716.69 75 7.250 716.69 GRAND PRARIE TX 75051 1 05/17/02 00 1344747 05 07/01/02 0 1344747 N 06/01/32 0 7959543 286/286 F 26,000.00 ZZ 360 25,871.42 1 8.250 195.33 52 7.875 195.33 ST ANNE IL 60964 2 01/30/02 00 900544 05 03/01/02 0 900544 N 02/01/32 0 7959545 286/286 F 62,000.00 ZZ 360 61,907.67 1 7.500 433.52 73 7.250 433.52 GASTONIA NC 28054 2 06/14/02 00 1328122 05 08/01/02 0 1328122 N 07/01/32 0 1 7959547 286/286 F 68,000.00 ZZ 360 67,898.74 1 7.500 475.47 80 7.250 475.47 GASTONIA NC 28054 5 06/14/02 00 1342166 05 08/01/02 0 1342166 N 07/01/32 0 7959549 286/286 F 53,000.00 ZZ 360 52,921.07 1 7.500 370.59 64 7.250 370.59 GASTONIA NC 28054 5 06/14/02 00 1342175 05 08/01/02 0 1342175 N 07/01/32 0 7959551 286/286 F 53,000.00 ZZ 360 52,921.07 1 7.500 370.59 71 7.250 370.59 GASTONIA NC 28052 5 06/14/02 00 1342181 05 08/01/02 0 1342181 N 07/01/32 0 7959553 286/286 F 64,000.00 ZZ 360 63,904.70 1 7.500 447.50 80 7.250 447.50 GASTONIA NC 28052 5 06/14/02 00 1343747 05 08/01/02 0 1343747 N 07/01/32 0 7959555 286/286 F 98,100.00 ZZ 360 97,961.08 2 7.750 702.80 90 7.500 702.80 VALRICO FL 33594 1 06/27/02 11 1344819 05 08/01/02 25 1344819 N 07/01/32 0 7959559 286/286 F 49,600.00 ZZ 360 49,526.13 1 7.500 346.82 65 7.250 346.82 1 PORTSMOUTH VA 23701 5 06/12/02 00 1321650 05 08/01/02 0 1321650 N 07/01/32 0 7959577 286/286 F 46,800.00 ZZ 360 46,733.71 1 7.750 335.29 90 7.500 335.29 WASHINGTON DC 20020 1 06/11/02 11 1304385 01 08/01/02 25 1304385 N 07/01/32 0 7959579 286/286 F 41,250.00 ZZ 360 41,188.57 1 7.500 288.43 74 7.250 288.43 LOUISVILLE KY 40204 5 06/19/02 00 1353291 05 08/01/02 0 1353291 N 07/01/32 0 7959583 286/286 F 63,000.00 ZZ 360 62,857.99 2 7.875 456.80 90 7.625 456.80 AKRON OH 44307 1 06/21/02 21 1309491 05 08/01/02 25 1309491 N 07/01/32 0 7959587 286/286 F 50,000.00 ZZ 360 49,772.11 2 8.250 375.64 39 7.875 375.64 MESA AZ 85205 2 01/17/02 00 957086 05 03/01/02 0 957086 N 02/01/32 0 7959591 286/286 F 54,000.00 ZZ 360 53,963.76 1 8.000 396.23 85 7.750 396.23 VAIL AZ 85641 1 07/11/02 12 1396146 27 09/01/02 12 1396146 N 08/01/32 0 1 7959593 286/286 F 50,400.00 ZZ 360 50,366.18 1 8.000 369.82 90 7.750 369.82 LEAVENWORTH KS 66048 1 07/11/02 11 1396160 05 09/01/02 25 1396160 N 08/01/32 0 7959597 286/286 F 52,650.00 ZZ 360 52,614.67 1 8.000 386.33 90 7.750 386.33 LEAVENWORTH KS 66048 1 07/16/02 11 1396164 05 09/01/02 25 1396164 N 08/01/32 0 7959599 286/286 F 20,115.00 ZZ 360 20,036.67 1 8.250 151.12 90 7.875 151.12 FLINT MI 48505 1 03/04/02 11 1030523 05 04/01/02 25 1030523 N 03/01/32 0 7959605 286/286 F 144,900.00 ZZ 360 144,795.12 1 7.625 1,025.60 90 7.375 1,025.60 EDISON NJ 08820 1 07/09/02 12 1028509 01 09/01/02 25 1028509 N 08/01/32 0 7959607 286/286 F 50,000.00 ZZ 360 49,962.89 1 7.500 349.61 63 7.250 349.61 SCOTTVILLE MI 49454 1 07/12/02 00 1317431 05 09/01/02 0 1317431 N 08/01/32 0 7959609 286/286 F 61,650.00 ZZ 360 61,566.98 1 1 8.000 452.37 73 7.750 452.37 PHILADEPHIA PA 19129 2 06/24/02 00 1302575 05 08/01/02 0 1302575 N 07/01/32 0 7959615 286/286 F 112,000.00 ZZ 360 111,845.33 1 7.875 812.08 80 7.625 812.08 SAINT PAUL MN 55107 5 06/14/02 00 1319773 05 08/01/02 0 1319773 N 07/01/32 0 7959623 286/286 F 63,200.00 ZZ 360 63,098.60 1 7.125 425.80 80 6.875 425.80 CANTON OH 44703 2 06/28/02 00 1331730 05 08/01/02 0 1331730 N 07/01/32 0 7959629 286/286 F 108,000.00 ZZ 360 107,826.75 1 7.125 727.62 80 6.875 727.62 GILBERT AZ 85233 1 06/25/02 00 1359531 05 08/01/02 0 1359531 N 07/01/32 0 7959631 286/286 F 93,500.00 ZZ 360 93,307.26 1 7.375 645.79 80 7.125 645.79 DAYTON OH 45419 1 06/14/02 00 1314367 05 08/01/02 0 1314367 N 07/01/32 0 7959637 286/286 F 65,000.00 ZZ 360 64,917.32 1 7.125 437.92 79 6.875 437.92 TEMPERANCE MI 48182 5 07/23/02 00 1372574 05 09/01/02 0 1 1372574 N 08/01/32 0 7959639 286/286 F 59,850.00 ZZ 360 59,767.35 1 7.875 433.96 90 7.625 433.96 TRENTON NJ 08650 1 06/28/02 04 1319952 05 08/01/02 25 1319952 N 07/01/32 0 7959643 286/286 F 42,250.00 ZZ 360 42,185.48 1 7.375 291.82 71 7.125 291.82 FT WAYNE IN 46803 5 06/07/02 00 1294462 05 08/01/02 0 1294462 N 07/01/32 0 7959647 286/286 F 221,500.00 ZZ 360 220,991.24 1 7.375 1,529.85 80 7.125 1,529.85 MORTON GROVE IL 60053 1 05/23/02 00 104775 05 07/01/02 0 104775 N 06/01/32 0 7959649 286/286 F 104,000.00 ZZ 360 102,846.62 3 7.375 718.31 80 7.125 718.31 WAUSEON OH 43567 5 06/29/01 00 404833 05 08/01/01 0 404833 N 07/01/31 0 7959651 286/286 F 46,900.00 ZZ 360 46,867.72 2 7.875 340.06 75 7.625 340.06 FORT WAYNE IN 46808 5 07/05/02 00 1388363 05 09/01/02 0 1388363 N 08/01/32 0 1 7959653 286/286 F 216,000.00 ZZ 360 215,678.38 2 7.500 1,510.31 80 7.250 1,510.31 CHICAGO IL 60639 5 06/21/02 00 1373929 05 08/01/02 0 1373929 N 07/01/32 0 7959655 286/286 F 250,000.00 ZZ 360 249,809.77 2 7.375 1,726.69 61 7.125 1,726.69 ANN ARBOR MI 48104 5 07/11/02 00 1332118 05 09/01/02 0 1332118 N 08/01/32 0 7959659 286/286 F 40,400.00 ZZ 360 40,141.13 1 8.125 299.97 90 7.875 299.97 COVINGTON KY 41011 1 07/02/02 11 1079884 05 08/01/02 25 1079884 N 07/01/32 0 7959661 286/286 F 74,400.00 ZZ 360 74,289.21 1 7.500 520.22 80 7.250 520.22 DELTONA FL 32738 5 06/28/02 00 1375690 05 08/01/02 0 1375690 N 07/01/32 0 7959663 286/286 F 191,500.00 ZZ 360 191,141.13 4 7.375 1,322.65 75 7.125 1,322.65 CENTREVILLE MD 21617 1 06/17/02 00 1327283 05 08/01/02 0 1327283 N 07/01/32 0 7959665 286/286 F 65,250.00 ZZ 360 64,976.09 1 7.875 473.11 90 7.625 473.11 1 FROSTBURG MD 21532 1 02/15/02 12 1003685 05 04/01/02 25 1003685 N 03/01/32 0 7959667 286/286 F 51,750.00 ZZ 360 51,532.75 1 7.875 375.23 90 7.625 375.23 FROSTBURG MD 21532 1 02/15/02 12 1003695 05 04/01/02 25 1003695 N 03/01/32 0 7959673 286/286 F 117,750.00 ZZ 360 117,660.39 1 7.375 813.28 75 7.125 813.28 INDIANAPOLIS IN 46246 2 07/03/02 00 1341123 05 09/01/02 0 1341123 N 08/01/32 0 7959683 286/286 F 120,000.00 ZZ 360 119,908.69 1 7.375 828.81 67 7.125 828.81 LOUISVILLE CO 80027 5 07/15/02 00 1373593 05 09/01/02 0 1373593 N 08/01/32 0 7959685 286/286 F 50,800.00 ZZ 360 50,665.50 1 7.500 355.21 80 7.250 355.21 MORAINE OH 45439 1 06/17/02 00 1330097 05 08/01/02 0 1330097 N 07/01/32 0 7959689 286/286 F 59,500.00 ZZ 360 59,406.59 1 7.250 405.90 67 7.000 405.90 DELRAY BEACH FL 33483 1 06/28/02 00 1342565 01 08/01/02 0 1342565 N 07/01/32 0 1 7959693 286/286 F 124,000.00 ZZ 360 123,824.40 2 7.750 888.35 80 7.500 888.35 TUCSON AZ 85719 1 06/10/02 00 1342551 05 08/01/02 0 1342551 N 07/01/32 0 7959695 286/286 F 68,000.00 ZZ 360 67,896.20 1 7.375 469.66 70 7.125 469.66 WILLOW SPRINGS IL 60480 5 06/25/02 00 1334367 01 08/01/02 0 1334367 N 07/01/32 0 7959703 286/286 F 132,150.00 ZZ 360 131,897.85 1 7.250 901.50 90 7.000 901.50 SCOTTSDALE AZ 85259 1 06/27/02 11 1343203 01 08/01/02 25 1343203 N 07/01/32 0 7959707 286/286 F 54,800.00 ZZ 360 54,716.35 1 7.375 378.49 80 7.125 378.49 ACWORTH GA 30101 1 06/14/02 00 1315705 05 08/01/02 0 1315705 N 07/01/32 0 7959709 286/286 F 75,600.00 ZZ 360 75,487.43 2 7.500 528.61 90 7.250 528.61 LITITZ PA 17543 1 07/01/02 12 1335576 05 08/01/02 25 1335576 N 07/01/32 0 7959711 286/286 F 57,600.00 ZZ 360 57,516.36 1 1 7.625 407.69 80 7.375 407.69 THORNDALE TX 76577 5 06/21/02 00 1303713 05 08/01/02 0 1303713 N 07/01/32 0 7959713 286/286 F 57,600.00 ZZ 360 57,524.38 1 8.125 427.68 78 7.875 427.68 NEWTON KS 67114 2 06/28/02 00 1342604 05 08/01/02 0 1342604 N 07/01/32 0 7959715 286/286 F 72,000.00 ZZ 360 71,824.56 1 7.750 515.82 90 7.500 515.82 COLUMBUS IN 47201 1 06/13/02 21 1282172 05 08/01/02 25 1282172 N 07/01/32 0 7959717 286/286 F 67,443.00 ZZ 360 67,347.49 1 7.750 483.17 71 7.500 483.17 ATLANTA IN 46031 2 06/18/02 00 1337588 05 08/01/02 0 1337588 N 07/01/32 0 7959719 286/286 F 51,225.00 ZZ 360 51,152.44 1 7.750 366.99 78 7.500 366.99 SHERIDAN IN 46069 2 06/18/02 00 1337708 05 08/01/02 0 1337708 N 07/01/32 0 7959723 286/286 F 31,500.00 ZZ 360 31,475.47 1 8.000 231.14 90 7.750 231.14 NORWALK OH 44857 1 07/12/02 10 1292458 05 09/01/02 25 1 1292458 N 08/01/32 0 7959725 286/286 F 171,450.00 ZZ 360 171,207.20 1 7.750 1,228.29 90 7.500 1,228.29 ORLANDO FL 32828 1 06/17/02 10 1333805 03 08/01/02 25 1333805 N 07/01/32 0 7959729 286/286 F 52,000.00 ZZ 360 51,924.48 1 7.625 368.06 70 7.375 368.06 INDIANAPOLIS IN 46222 5 06/19/02 00 1345063 05 08/01/02 0 1345063 N 07/01/32 0 7959731 286/286 F 25,200.00 ZZ 360 25,156.01 1 7.875 182.72 90 7.625 182.72 FLINT MI 48506 1 06/27/02 11 1347825 05 08/01/02 25 1347825 N 07/01/32 0 7959735 286/286 F 47,200.00 ZZ 360 47,109.69 1 7.125 318.00 80 6.875 318.00 BEECH GROVE IN 46107 1 06/07/02 00 1344863 05 08/01/02 0 1344863 N 07/01/32 0 7959737 286/286 F 200,700.00 ZZ 360 200,436.53 1 8.125 1,490.20 90 7.875 1,490.20 BURLINGTON MA 01803 1 06/12/02 11 1342384 05 08/01/02 25 1342384 N 07/01/32 0 1 7959739 286/286 F 54,600.00 ZZ 360 54,524.60 1 7.875 395.89 70 7.625 395.89 DETROIT MI 48216 5 06/17/02 00 1340120 05 08/01/02 0 1340120 N 07/01/32 0 7959743 286/286 F 160,000.00 ZZ 360 159,755.73 2 7.375 1,105.09 67 7.125 1,105.09 CARTERET NJ 07008 2 06/28/02 00 596828 05 08/01/02 0 596828 N 07/01/32 0 7959745 286/286 F 180,240.00 ZZ 360 179,991.10 2 7.875 1,306.87 80 7.625 1,306.87 MINNEAPOLIS MN 55414 1 06/07/02 00 1332200 05 08/01/02 0 1332200 N 07/01/32 0 7959747 286/286 F 73,600.00 ZZ 360 73,481.93 1 7.125 495.86 80 6.875 495.86 COLUMBUS OH 43235 1 06/27/02 00 1354638 05 08/01/02 0 1354638 N 07/01/32 0 7959749 286/286 F 110,200.00 ZZ 360 110,035.91 1 7.500 770.54 49 7.250 770.54 MCLEAN VA 22102 2 06/19/02 00 1318292 06 08/01/02 0 1318292 N 07/01/32 0 7959751 286/286 F 37,400.00 ZZ 360 37,341.46 1 7.250 255.14 85 7.000 255.14 1 TOLEDO OH 43608 5 06/12/02 12 1306582 05 08/01/02 12 1306582 N 07/01/32 0 7959759 286/286 F 84,000.00 ZZ 360 83,874.93 1 7.500 587.34 80 7.250 587.34 RINCON GA 31326 2 06/10/02 00 1337752 05 08/01/02 0 1337752 N 07/01/32 0 7959761 286/286 F 287,900.00 ZZ 360 287,460.53 1 7.375 1,988.45 90 7.125 1,988.45 HOBOKEN NJ 07030 1 06/26/02 14 1326629 01 08/01/02 25 1326629 N 07/01/32 0 7959765 286/286 F 36,000.00 ZZ 360 35,949.02 1 7.750 257.91 90 7.500 257.91 INDIANAPOLIS IN 46224 1 07/02/02 12 1385380 03 08/01/02 25 1385380 N 07/01/32 0 7959767 286/286 F 58,500.00 ZZ 360 58,457.66 1 7.625 414.06 75 7.375 414.06 TOLEDO OH 43612 5 07/19/02 00 1338416 05 09/01/02 0 1338416 N 08/01/32 0 7959769 286/286 F 40,500.00 ZZ 360 40,444.06 2 7.875 293.66 90 7.625 293.66 CAMDEN NJ 08104 1 06/21/02 10 1270105 05 08/01/02 25 1270105 N 07/01/32 0 1 7959773 286/286 F 43,200.00 ZZ 360 43,103.19 1 7.500 302.07 80 7.250 302.07 BRUNSWICK GA 31520 5 05/07/02 00 1264337 05 07/01/02 0 1264337 N 06/01/32 0 7959775 286/286 F 72,000.00 ZZ 360 71,903.04 1 8.000 528.32 80 7.750 528.32 CHESAPEAKE VA 23322 1 06/26/02 00 1321593 05 08/01/02 0 1321593 N 07/01/32 0 7959777 286/286 F 26,100.00 ZZ 360 26,025.62 1 7.750 186.98 90 7.500 186.98 AMARILLO TX 79106 1 05/10/02 21 1333268 05 07/01/02 25 1333268 N 06/01/32 0 7959779 286/286 F 45,000.00 ZZ 360 44,969.02 1 7.875 326.29 79 7.625 326.29 NEW CASTLE IN 47362 2 07/18/02 00 1356367 05 09/01/02 0 1356367 N 08/01/32 0 7959781 286/286 F 188,000.00 ZZ 360 187,733.76 2 7.750 1,346.86 80 7.500 1,346.86 BRADLEY BEACH NJ 07720 1 06/18/02 00 1308134 05 08/01/02 0 1308134 N 07/01/32 0 7959783 286/286 F 49,500.00 ZZ 360 49,401.05 2 1 8.000 363.22 90 7.750 363.22 INDIANAPOLIS IN 46203 1 06/06/02 12 1324655 05 08/01/02 25 1324655 N 07/01/32 0 7959785 286/286 F 150,000.00 ZZ 360 149,885.85 1 7.375 1,036.02 61 7.125 1,036.02 HASLET TX 76052 2 07/12/02 00 1362774 03 09/01/02 0 1362774 N 08/01/32 0 7959789 286/286 F 67,292.00 ZZ 360 67,240.80 1 7.375 464.77 90 7.125 464.77 CHARLOTTE NC 28216 1 07/15/02 10 1351240 05 09/01/02 25 1351240 N 08/01/32 0 7959791 286/286 F 198,900.00 ZZ 360 198,625.32 1 7.875 1,442.17 90 7.625 1,442.17 LEES SUMMIT MO 64082 2 07/02/02 11 1063056 05 08/01/02 25 1063056 N 07/01/32 0 7959793 286/286 F 185,400.00 ZZ 360 185,123.94 1 7.500 1,296.35 90 7.250 1,296.35 LEES SUMMIT MO 64082 2 07/03/02 11 1353989 05 08/01/02 25 1353989 N 07/01/32 0 7959795 286/286 F 238,500.00 ZZ 360 238,170.64 2 7.875 1,729.30 90 7.625 1,729.30 CHICAGO IL 60647 1 06/26/02 12 1300809 05 08/01/02 25 1 1300809 N 07/01/32 0 7959799 286/286 F 139,500.00 ZZ 360 139,287.05 1 7.375 963.49 87 7.125 963.49 PEORIA AZ 85381 2 06/24/02 10 1374441 05 08/01/02 25 1374441 N 07/01/32 0 7959809 286/286 F 81,500.00 ZZ 360 81,436.42 1 7.250 555.98 86 7.000 555.98 FREDERICK MD 21703 1 07/19/02 12 893707 03 09/01/02 25 893707 N 08/01/32 0 7959813 286/286 F 168,800.00 ZZ 360 167,884.15 3 7.375 1,165.86 80 7.125 1,165.86 EAST GREENWICH RI 02818 2 01/11/02 00 890562 05 03/01/02 0 890562 N 02/01/32 0 7959817 286/286 F 200,000.00 ZZ 360 199,840.06 2 7.125 1,347.44 80 6.875 1,347.44 SALISBURY MA 01952 1 07/10/02 00 1099513 05 09/01/02 0 1099513 N 08/01/32 0 7959819 286/286 F 47,610.00 ZZ 360 47,529.05 2 8.125 353.51 90 7.875 353.51 PHILADELPHIA PA 19135 1 06/20/02 10 1352205 05 08/01/02 25 1352205 N 07/01/32 0 1 7959821 286/286 F 280,000.00 ZZ 360 279,802.37 2 7.750 2,005.96 66 7.500 2,005.96 CRANSTON RI 02905 1 07/11/02 00 1395226 05 09/01/02 0 1395226 N 08/01/32 0 7959823 286/286 F 228,000.00 ZZ 360 227,651.95 1 7.375 1,574.74 80 7.125 1,574.74 BOZEMAN MT 59715 1 06/20/02 00 1318354 05 08/01/02 0 1318354 N 07/01/32 0 7959825 286/286 F 273,500.00 ZZ 360 273,131.74 2 8.000 2,006.85 85 7.750 2,006.85 NEW ORLEANS LA 70448 2 06/29/02 10 1362088 05 08/01/02 25 1362088 N 07/01/32 0 7959829 286/286 F 72,000.00 ZZ 360 71,887.32 1 7.250 491.17 80 7.000 491.17 BLUE RIDGE TX 75424 2 06/26/02 00 1332225 27 08/01/02 0 1332225 N 07/01/32 0 7959831 286/286 F 45,000.00 ZZ 360 44,929.58 1 7.250 306.98 90 7.000 306.98 GLOUCESTER TOWN NJ 08012 1 06/10/02 12 1289129 03 08/01/02 25 1289129 N 07/01/32 0 7959835 286/286 F 244,000.00 ZZ 360 243,636.69 2 7.500 1,706.09 55 7.250 1,706.09 1 SOMERVILLE MA 02144 1 06/28/02 00 1056758 05 08/01/02 0 1056758 N 07/01/32 0 7959847 286/286 F 35,700.00 ZZ 360 35,674.80 1 7.750 255.76 84 7.500 255.76 PHILADELPHIA PA 19124 2 07/18/02 12 1393895 05 09/01/02 12 1393895 N 08/01/32 0 7959849 286/286 F 393,000.00 ZZ 360 392,668.99 3 7.375 2,714.36 61 7.125 2,714.36 BRIGHTON MA 02135 2 07/19/02 00 1377938 05 09/01/02 0 1377938 N 08/01/32 0 7959851 286/286 F 45,000.00 ZZ 360 44,934.33 1 8.125 334.13 90 7.875 334.13 CONKLIN NY 13748 1 06/11/02 14 1291506 05 08/01/02 25 1291506 N 07/01/32 0 7959855 286/286 F 168,000.00 ZZ 360 167,887.27 1 8.000 1,232.73 80 7.750 1,232.73 EUGENE OR 97403 1 07/01/02 00 1388119 05 09/01/02 0 1388119 N 08/01/32 0 7959859 286/286 F 40,600.00 ZZ 360 40,489.38 1 7.500 283.89 70 7.250 283.89 CAMDEN NJ 08105 5 06/19/02 00 1323778 05 08/01/02 0 1323778 N 07/01/32 0 1 7959861 286/286 F 95,200.00 ZZ 360 95,129.34 4 7.500 665.66 70 7.250 665.66 OWENSBORO KY 42301 5 07/17/02 00 1325722 05 09/01/02 0 1325722 N 08/01/32 0 7959863 286/286 F 95,200.00 ZZ 360 95,129.34 4 7.500 665.66 70 7.250 665.66 OWENSBORO KY 42301 5 07/17/02 00 1325774 05 09/01/02 0 1325774 N 08/01/32 0 7959865 286/286 F 95,200.00 ZZ 360 95,129.34 4 7.500 665.66 70 7.250 665.66 OWENSBORO KY 42301 5 07/17/02 00 1325783 05 09/01/02 0 1325783 N 08/01/32 0 7959867 286/286 F 95,200.00 ZZ 360 95,129.34 4 7.500 665.66 70 7.250 665.66 OWENSBORO KY 42301 5 07/17/02 00 1325880 05 09/01/02 0 1325880 N 08/01/32 0 7959869 286/286 F 110,600.00 ZZ 360 110,517.91 4 7.500 773.34 70 7.250 773.34 OWENSBORO KY 42301 5 07/15/02 00 1327258 05 09/01/02 0 1327258 N 08/01/32 0 7959871 286/286 F 110,600.00 ZZ 360 110,517.91 4 1 7.500 773.34 70 7.250 773.34 OWENSBORO KY 42301 5 07/15/02 00 1327269 05 09/01/02 0 1327269 N 08/01/32 0 7959873 286/286 F 110,600.00 ZZ 360 110,517.91 4 7.500 773.34 70 7.250 773.34 OWENSBORO KY 42301 5 07/15/02 00 1327287 05 09/01/02 0 1327287 N 08/01/32 0 7959875 286/286 F 110,600.00 ZZ 360 110,517.91 4 7.500 773.34 70 7.250 773.34 OWENSBORO KY 42301 5 07/15/02 00 1327304 05 09/01/02 0 1327304 N 08/01/32 0 7959877 286/286 F 208,500.00 ZZ 360 208,197.20 1 7.625 1,475.76 75 7.375 1,475.76 ATLANTA GA 30339 1 06/26/02 00 1353038 05 08/01/02 0 1353038 N 07/01/32 0 7959881 286/286 F 148,000.00 ZZ 360 144,527.00 4 7.750 1,060.30 80 7.500 1,060.30 DAYTON OH 45405 1 05/08/02 00 1097822 05 07/01/02 0 1097822 N 06/01/32 0 7959883 286/286 F 194,809.00 ZZ 360 194,526.10 2 7.625 1,378.85 90 7.375 1,378.85 PLATTE CITY MO 64079 1 06/28/02 11 1372002 05 08/01/02 25 1 1372002 N 07/01/32 0 7959885 286/286 F 90,000.00 ZZ 360 89,931.51 1 7.375 621.61 80 7.125 621.61 CARMEL IN 46032 5 07/03/02 00 1380610 05 09/01/02 0 1380610 N 08/01/32 0 7959887 286/286 F 138,320.00 ZZ 360 138,217.34 2 7.500 967.16 80 7.250 967.16 ELIZABETH NJ 07208 1 07/23/02 00 1354749 05 09/01/02 0 1354749 N 08/01/32 0 7959889 286/286 F 129,600.00 ZZ 360 128,853.49 1 7.125 873.14 80 6.875 873.14 TEMPE AZ 85282 1 06/11/02 00 1323469 05 08/01/02 0 1323469 N 07/01/32 0 7959891 286/286 F 224,000.00 ZZ 360 223,649.45 3 7.250 1,528.08 80 7.000 1,528.08 LOWELL MA 01854 1 07/01/02 00 1086201 05 08/01/02 0 1086201 N 07/01/32 0 7959893 286/286 F 159,320.00 ZZ 360 133,923.13 1 7.375 1,100.39 70 7.125 1,100.39 LONG BRANCH NJ 07740 5 06/19/02 00 1329330 05 08/01/02 0 1329330 N 07/01/32 0 1 7959895 286/286 F 82,400.00 ZZ 360 82,271.03 2 7.250 562.12 80 7.000 562.12 HARRISON ME 04040 1 06/10/02 00 1311224 05 08/01/02 0 1311224 N 07/01/32 0 7959897 286/286 F 45,000.00 ZZ 360 44,929.58 1 7.250 306.98 90 7.000 306.98 LEXINGTON KY 40502 1 06/27/02 11 1086364 05 08/01/02 25 1086364 N 07/01/32 0 7959899 286/286 F 181,600.00 ZZ 360 180,520.32 4 7.375 1,254.27 80 7.125 1,254.27 BUCKLEY WA 98321 1 06/03/02 00 1310468 05 08/01/02 0 1310468 N 07/01/32 0 7959901 286/286 F 181,600.00 ZZ 360 180,527.10 2 7.500 1,269.78 80 7.250 1,269.78 BUCKLEY WA 98321 1 06/04/02 00 1315607 05 08/01/02 0 1315607 N 07/01/32 0 7959905 286/286 F 205,600.00 ZZ 360 205,284.71 1 7.500 1,437.59 80 7.250 1,437.59 WOODBRIDGE VA 22192 5 06/20/02 00 1331972 03 08/01/02 0 1331972 N 07/01/32 0 7959907 286/286 F 63,900.00 ZZ 360 63,760.34 1 7.625 452.29 90 7.375 452.29 1 MURRIETA CA 92563 1 05/20/02 14 1298885 01 07/01/02 25 1298885 N 06/01/32 0 7959909 286/286 F 80,250.00 ZZ 360 80,124.41 1 7.250 547.45 90 7.000 547.45 BLOOMINGTOM IL 61701 1 06/28/02 10 1349872 05 08/01/02 25 1349872 N 07/01/32 0 7959911 286/286 F 54,900.00 ZZ 360 54,824.17 1 7.875 398.07 90 7.625 398.07 INDIANAPOLIS IN 46201 1 07/03/02 21 1380510 05 08/01/02 25 1380510 N 07/01/32 0 7959913 286/286 F 33,600.00 ZZ 360 33,576.87 1 7.875 243.63 62 7.625 243.63 KOKOMO IN 46901 5 07/12/02 00 1385003 05 09/01/02 0 1385003 N 08/01/32 0 7959915 286/286 F 31,500.00 ZZ 360 31,478.32 1 7.875 228.40 70 7.625 228.40 KOKOMO IN 46901 5 07/12/02 00 1385011 05 09/01/02 0 1385011 N 08/01/32 0 7959919 286/286 F 40,500.00 ZZ 360 40,442.64 1 7.750 290.15 90 7.500 290.15 SHENANDOAH JUNC WV 25442 1 06/17/02 10 1358983 05 08/01/02 25 1358983 N 07/01/32 0 1 7959923 286/286 F 98,400.00 ZZ 360 98,326.97 1 7.500 688.03 80 7.250 688.03 REYNOLDSBURG OH 43068 1 07/16/02 00 1393945 05 09/01/02 0 1393945 N 08/01/32 0 7959925 286/286 F 106,400.00 ZZ 360 106,241.59 1 7.500 743.96 78 7.250 743.96 RICHMOND VA 23229 1 07/03/02 00 1299543 05 08/01/02 0 1299543 N 07/01/32 0 7959929 286/286 F 252,500.00 ZZ 360 252,124.04 4 7.500 1,765.52 70 7.250 1,765.52 COLUMBUS OH 43215 1 06/14/02 00 1300731 05 08/01/02 0 1300731 N 07/01/32 0 7959933 286/286 F 280,000.00 ZZ 360 279,613.34 3 7.875 2,030.20 66 7.625 2,030.20 YONKERS NY 10703 5 06/28/02 00 1373353 05 08/01/02 0 1373353 N 07/01/32 0 7959937 286/286 F 70,650.00 ZZ 360 70,600.13 1 7.750 506.15 90 7.500 506.15 POUGHKEEPSIE NY 12601 1 07/17/02 21 1381821 05 09/01/02 25 1381821 N 08/01/32 0 7959939 286/286 F 172,240.00 ZZ 360 172,124.43 1 1 8.000 1,263.84 90 7.750 1,263.84 NOVI MI 48377 1 07/01/02 11 816408 05 09/01/02 25 816408 N 08/01/32 0 7959949 286/286 F 67,500.00 ZZ 360 67,406.77 2 7.875 489.43 90 7.625 489.43 PITTSBURGH PA 15212 1 07/03/02 10 1305968 05 08/01/02 25 1305968 N 07/01/32 0 7959951 286/286 F 66,510.00 ZZ 360 65,869.14 1 7.500 465.05 90 7.250 465.05 NORFOLK VA 23509 1 01/31/02 21 972442 05 03/01/02 25 972442 N 02/01/32 0 7959953 286/286 F 120,000.00 ZZ 360 119,622.11 1 7.250 818.62 80 7.000 818.62 TROY OH 45373 5 04/08/02 00 1021401 05 06/01/02 0 1021401 N 05/01/32 0 7959957 286/286 F 27,600.00 ZZ 360 27,561.17 1 7.875 200.12 85 7.625 200.12 ALTON IL 62002 5 06/21/02 11 1321357 05 08/01/02 12 1321357 N 07/01/32 0 7959965 286/286 F 29,250.00 ZZ 360 29,071.02 1 7.750 209.56 90 7.500 209.56 GRANBURY TX 76049 1 06/12/02 04 1352985 03 08/01/02 25 1 1352985 N 07/01/32 0 7959967 286/286 F 73,600.00 ZZ 360 73,484.81 1 7.250 502.09 90 7.000 502.09 HOUSTON TX 77064 1 06/28/02 11 1381977 03 08/01/02 25 1381977 N 07/01/32 0 7959969 286/286 F 82,800.00 ZZ 360 82,736.99 1 7.375 571.88 90 7.125 571.88 SPRING TX 77373 1 07/17/02 10 1384350 03 09/01/02 30 1384350 N 08/01/32 0 7959972 E82/G02 F 221,000.00 ZZ 360 219,821.37 4 7.375 1,526.39 89 7.125 1,526.39 AUBURN WA 98002 2 02/14/02 04 0400577342 05 04/01/02 25 3927678 N 03/01/32 0 7959973 286/286 F 30,150.00 ZZ 360 30,128.72 1 7.750 216.00 90 7.500 216.00 WICHITA KS 67213 1 07/12/02 11 1398167 05 09/01/02 25 1398167 N 08/01/32 0 7959975 286/286 F 114,250.00 ZZ 360 114,163.06 1 7.375 789.10 90 7.125 789.10 GRAND JUNCTION CO 81504 2 07/08/02 12 1359878 05 09/01/02 25 1359878 N 08/01/32 0 1 7959985 286/286 F 174,400.00 ZZ 360 174,260.53 1 7.125 1,174.97 80 6.875 1,174.97 CANONSBURG PA 15317 5 07/18/02 00 1326769 05 09/01/02 0 1326769 N 08/01/32 0 7959993 286/286 F 47,250.00 ZZ 360 47,216.65 1 7.750 338.51 89 7.500 338.51 VIRGINIA BEACH VA 23462 1 07/10/02 10 1296434 05 09/01/02 25 1296434 N 08/01/32 0 7959997 286/286 F 119,250.00 ZZ 360 119,081.11 1 7.750 854.33 90 7.500 854.33 PANAMA CITY BCH FL 32408 1 06/14/02 10 1345665 01 08/01/02 25 1345665 N 07/01/32 0 7960001 286/286 F 89,000.00 ZZ 360 88,860.72 1 7.250 607.14 90 7.000 607.14 CORDOVA TN 38018 1 06/11/02 10 1344066 05 08/01/02 25 1344066 N 07/01/32 0 7960013 286/286 F 31,300.00 ZZ 360 31,275.57 1 7.250 213.53 90 7.000 213.53 HAVANA FL 32333 1 07/02/02 14 1382941 27 09/01/02 25 1382941 N 08/01/32 0 7960015 286/286 F 61,600.00 ZZ 360 61,501.17 1 7.125 415.02 80 6.875 415.02 1 SUMMERVILLE SC 29483 5 06/27/02 00 1320671 05 08/01/02 0 1320671 N 07/01/32 0 7960019 286/286 F 153,000.00 ZZ 360 152,718.37 2 7.500 1,069.80 90 7.250 1,069.80 WESTERLY RI 02891 1 06/11/02 12 1303198 05 08/01/02 25 1303198 N 07/01/32 0 7960027 286/286 F 35,000.00 ZZ 360 34,952.87 1 8.000 256.82 75 7.750 256.82 KANSAS CITY KS 66104 5 06/14/02 00 1322918 05 08/01/02 0 1322918 N 07/01/32 0 7960031 286/286 F 175,500.00 ZZ 360 155,768.66 1 8.000 1,287.76 90 7.750 1,287.76 HATTERAS NC 27943 1 05/31/02 14 1318399 03 07/01/02 25 1318399 N 06/01/32 0 7960035 286/286 F 61,750.00 ZZ 360 61,625.66 1 7.375 426.50 80 7.125 426.50 EMINENCE KY 40019 2 06/24/02 00 1337502 05 08/01/02 0 1337502 N 07/01/32 0 7960037 286/286 F 64,800.00 ZZ 360 64,661.89 2 7.750 464.24 90 7.500 464.24 DANIA FL 33004 1 05/10/02 10 1293470 05 07/01/02 25 1293470 N 06/01/32 0 1 7960039 286/286 F 114,300.00 ZZ 360 113,946.88 1 7.375 789.44 90 7.125 789.44 MOGADORE OH 44260 1 06/26/02 21 1377279 05 08/01/02 25 1377279 N 07/01/32 0 7960041 286/286 F 208,000.00 ZZ 360 207,674.50 1 7.250 1,418.93 60 7.000 1,418.93 HUNTINGTON BEAC CA 92647 5 06/21/02 00 1347437 05 08/01/02 0 1347437 N 07/01/32 0 7960045 286/286 F 143,900.00 ZZ 360 143,591.34 1 7.125 969.49 80 6.875 969.49 GRAEAGLE CA 96103 1 06/20/02 00 803300 03 08/01/02 0 803300 N 07/01/32 0 7960057 286/286 F 223,150.00 ZZ 360 222,809.36 1 7.375 1,541.24 90 7.125 1,541.24 VACAVILLE CA 95688 1 06/07/02 10 814752 03 08/01/02 25 814752 N 07/01/32 0 7960061 286/286 F 49,300.00 ZZ 360 49,264.31 1 7.625 348.95 56 7.375 348.95 ROANN IN 46974 5 07/10/02 00 1383139 05 09/01/02 0 1383139 N 08/01/32 0 7960063 286/286 F 58,500.00 ZZ 360 58,419.21 1 1 7.875 424.17 90 7.625 424.17 EAST POINT GA 30344 1 06/18/02 10 1354969 05 08/01/02 25 1354969 N 07/01/32 0 7960069 286/286 F 150,800.00 ZZ 360 150,204.66 3 7.250 1,028.72 80 7.000 1,028.72 LOWELL MA 01852 1 03/15/02 00 744873 05 05/01/02 0 744873 N 04/01/32 0 7960077 286/286 F 224,000.00 ZZ 360 223,682.80 1 7.750 1,604.76 80 7.500 1,604.76 FAIRFAX VA 22030 5 06/24/02 00 813122 05 08/01/02 0 813122 N 07/01/32 0 7960081 286/286 F 192,100.00 ZZ 360 191,946.38 1 7.125 1,294.21 76 6.875 1,294.21 CITRUS HEIGHTS CA 95610 2 07/02/02 00 800832 03 09/01/02 0 800832 N 08/01/32 0 7960085 286/286 F 300,000.00 ZZ 360 299,476.97 1 7.875 2,175.21 80 7.625 2,175.21 TRACY CA 95376 5 06/17/02 00 812153 05 08/01/02 0 812153 N 07/01/32 0 7960087 286/286 F 22,500.00 ZZ 360 22,468.91 1 7.875 163.15 90 7.625 163.15 INDIANAPOLIS IN 46442 1 06/26/02 10 1341571 05 08/01/02 25 1 1341571 N 07/01/32 0 7960091 286/286 F 67,500.00 ZZ 360 67,406.77 1 7.875 489.43 90 7.625 489.43 INDIANAPOLIS IN 46217 1 06/27/02 10 1353431 05 08/01/02 30 1353431 N 07/01/32 0 7960093 286/286 F 66,600.00 ZZ 360 66,508.02 1 7.875 482.90 90 7.625 482.90 INDIANAPOLIS IN 46222 1 06/27/02 10 1353434 05 08/01/02 25 1353434 N 07/01/32 0 7960097 286/286 F 50,750.00 ZZ 360 50,674.54 1 7.625 359.21 80 7.375 359.21 ANDERSON IN 46016 1 06/18/02 00 1351173 05 08/01/02 0 1351173 N 07/01/32 0 7960099 286/286 F 109,200.00 ZZ 360 109,037.41 1 7.500 763.54 80 7.250 763.54 SPARKS NV 89434 1 06/11/02 00 761851 05 08/01/02 0 761851 N 07/01/32 0 7960101 286/286 F 48,950.00 ZZ 360 48,884.08 1 8.000 359.18 89 7.750 359.18 MUNCIE IN 47302 2 06/14/02 01 1331208 05 08/01/02 30 1331208 N 07/01/32 0 1 7960103 286/286 F 51,500.00 ZZ 360 51,430.65 2 8.000 377.89 86 7.750 377.89 MUNCIE IN 47302 2 06/14/02 12 1331215 05 08/01/02 25 1331215 N 07/01/32 0 7960105 286/286 F 49,000.00 ZZ 360 48,934.02 2 8.000 359.55 70 7.750 359.55 MUNCIE IN 47302 2 06/14/02 00 1331245 05 08/01/02 0 1331245 N 07/01/32 0 7960107 286/286 F 300,000.00 ZZ 360 299,760.09 1 7.125 2,021.16 75 6.875 2,021.16 SANTA CRUZ CA 95060 1 07/01/02 00 804035 05 09/01/02 0 804035 N 08/01/32 0 7960109 286/286 F 31,500.00 ZZ 360 31,454.25 1 7.625 222.96 75 7.375 222.96 FORT WAYNE IN 46806 5 07/02/02 00 1378900 05 08/01/02 0 1378900 N 07/01/32 0 7960111 286/286 F 36,000.00 ZZ 360 35,946.39 1 7.500 251.72 75 7.250 251.72 FORT WAYNE IN 46806 5 07/01/02 00 1378914 05 08/01/02 0 1378914 N 07/01/32 0 7960113 286/286 F 43,500.00 ZZ 360 43,435.23 1 7.500 304.16 75 7.250 304.16 1 FORT WAYNE IN 46802 5 07/01/02 00 1378929 05 08/01/02 0 1378929 N 07/01/32 0 7960115 286/286 F 33,750.00 ZZ 360 33,700.97 1 7.625 238.89 75 7.375 238.89 FORT WAYNE IN 46806 5 07/02/02 00 1378947 05 08/01/02 0 1378947 N 07/01/32 0 7960117 286/286 F 35,250.00 ZZ 360 35,197.50 1 7.500 246.48 75 7.250 246.48 FORT WAYNE IN 46806 5 07/02/02 00 1378959 05 08/01/02 0 1378959 N 07/01/32 0 7960119 286/286 F 45,000.00 ZZ 360 44,932.99 1 7.500 314.65 75 7.250 314.65 FORT WAYNE IN 46807 5 07/01/02 00 1378962 05 08/01/02 0 1378962 N 07/01/32 0 7960121 286/286 F 39,750.00 ZZ 360 39,692.28 1 7.625 281.35 75 7.375 281.35 FORT WAYNE IN 46806 5 07/01/02 00 1378971 05 08/01/02 0 1378971 N 07/01/32 0 7960123 286/286 F 33,750.00 ZZ 360 33,700.97 1 7.625 238.89 75 7.375 238.89 FORT WAYNE IN 46805 5 07/01/02 00 1378981 05 08/01/02 0 1378981 N 07/01/32 0 1 7960125 286/286 F 43,500.00 ZZ 360 43,435.23 1 7.500 304.16 75 7.250 304.16 FORT WAYNE IN 46806 5 07/01/02 00 1378986 05 08/01/02 0 1378986 N 07/01/32 0 7960127 286/286 F 148,450.00 ZZ 360 148,339.83 1 7.500 1,037.98 90 7.250 1,037.98 STOCKTON CA 95204 1 06/27/02 21 811465 05 09/01/02 25 811465 N 08/01/32 0 7960129 286/286 F 64,000.00 ZZ 360 63,907.06 1 7.625 452.99 80 7.375 452.99 ALBUQUERQUE NM 87107 5 06/24/02 00 1311404 05 08/01/02 0 1311404 N 07/01/32 0 7960131 286/286 F 21,600.00 ZZ 360 21,570.16 1 7.875 156.62 80 7.625 156.62 GARY IN 46408 1 06/14/02 00 797892 05 08/01/02 0 797892 N 07/01/32 0 7960137 286/286 F 48,500.00 ZZ 360 48,427.79 1 7.500 339.12 89 7.250 339.12 HAMPTON VA 23669 2 06/28/02 11 1378810 05 08/01/02 25 1378810 N 07/01/32 0 7960139 286/286 F 201,600.00 ZZ 360 201,442.73 1 1 7.250 1,375.27 80 7.000 1,375.27 CATHEDRAL CITY CA 92234 1 07/01/02 00 794616 05 09/01/02 0 794616 N 08/01/32 0 7960149 286/286 F 200,000.00 ZZ 360 199,840.06 1 7.125 1,347.44 56 6.875 1,347.44 SAN DIEGO CA 92107 1 07/08/02 00 804854 03 09/01/02 0 804854 N 08/01/32 0 7960151 286/286 F 125,500.00 ZZ 360 125,308.42 1 7.375 866.80 78 7.125 866.80 CARSON CITY NV 89706 1 06/03/02 00 799227 05 08/01/02 0 799227 N 07/01/32 0 7960153 286/286 F 132,500.00 ZZ 360 132,297.74 1 7.375 915.14 79 7.125 915.14 CARSON CITY NV 89706 1 06/06/02 00 799228 05 08/01/02 0 799228 N 07/01/32 0 7960155 286/286 F 40,000.00 ZZ 360 39,916.87 1 7.875 290.03 62 7.625 290.03 MANTI UT 84642 5 05/30/02 00 799152 05 07/01/02 0 799152 N 06/01/32 0 7960157 286/286 F 49,100.00 ZZ 360 48,969.80 1 8.125 364.57 90 7.875 364.57 MARIETTA GA 30060 1 04/29/02 10 754781 05 06/01/02 30 1 754781 N 05/01/32 0 7960163 286/286 F 252,500.00 ZZ 360 252,307.87 1 7.375 1,743.95 90 7.125 1,743.95 SACRAMENTO CA 95819 1 07/08/02 12 813825 05 09/01/02 25 813825 N 08/01/32 0 7960167 286/286 F 85,500.00 ZZ 360 85,362.85 1 7.125 576.03 90 6.875 576.03 SUN CITY CA 92586 1 06/21/02 04 802936 05 08/01/02 25 802936 N 07/01/32 0 7960169 286/286 F 32,200.00 ZZ 360 32,154.39 1 7.750 230.69 56 7.500 230.69 SHELBY NC 28150 2 06/28/02 00 1333825 05 08/01/02 0 1333825 N 07/01/32 0 7960171 286/286 F 36,200.00 ZZ 360 36,146.09 1 7.500 253.12 65 7.250 253.12 SHELBY NC 28150 2 06/28/02 00 1341465 05 08/01/02 0 1341465 N 07/01/32 0 7960173 286/286 F 29,100.00 ZZ 360 29,058.78 1 7.750 208.48 56 7.500 208.48 SHELBY NC 28150 2 06/28/02 00 1341482 05 08/01/02 0 1341482 N 07/01/32 0 1 7960175 286/286 F 35,350.00 ZZ 360 35,299.92 1 7.750 253.26 64 7.500 253.26 SHELBY NC 28150 2 06/28/02 00 1341496 05 08/01/02 0 1341496 N 07/01/32 0 7960177 286/286 F 176,000.00 ZZ 360 175,744.41 1 7.625 1,245.72 80 7.375 1,245.72 SILVER SPRING MD 20902 1 06/24/02 00 812462 03 08/01/02 0 812462 N 07/01/32 0 7960185 286/286 F 147,000.00 ZZ 360 146,769.96 1 7.250 1,002.80 70 7.000 1,002.80 BETHEL ISLAND CA 94511 5 06/19/02 00 795477 05 08/01/02 0 795477 N 07/01/32 0 7960193 286/286 F 54,500.00 ZZ 360 54,461.54 1 7.750 390.44 65 7.500 390.44 HEDGESVILLE WV 25427 2 07/08/02 00 812257 05 09/01/02 0 812257 N 08/01/32 0 7960199 286/286 F 76,000.00 ZZ 360 75,846.70 1 7.500 531.41 80 7.250 531.41 HOUSTON TX 77056 1 06/27/02 00 1331818 01 08/01/02 0 1331818 N 07/01/32 0 7960201 286/286 F 280,000.00 ZZ 360 279,572.57 1 7.375 1,933.89 72 7.125 1,933.89 1 SAN JOSE CA 95111 5 06/12/02 00 747720 03 08/01/02 0 747720 N 07/01/32 0 7960203 286/286 F 280,000.00 ZZ 360 279,572.57 1 7.375 1,933.89 72 7.125 1,933.89 SAN JOSE CA 95111 5 06/12/02 00 749200 03 08/01/02 0 749200 N 07/01/32 0 7960207 286/286 F 135,500.00 ZZ 360 135,391.64 1 7.125 912.89 76 6.875 912.89 BONSALL CA 92003 2 07/08/02 00 802859 01 09/01/02 0 802859 N 08/01/32 0 7960209 286/286 F 155,000.00 ZZ 360 154,879.09 1 7.250 1,057.37 78 7.000 1,057.37 WEISER ID 83672 5 07/11/02 00 810540 05 09/01/02 0 810540 N 08/01/32 0 7960211 286/286 F 116,000.00 ZZ 360 115,911.74 1 7.375 801.18 80 7.125 801.18 SCOTTSDALE AZ 85257 1 07/11/02 00 807429 05 09/01/02 0 807429 N 08/01/32 0 7960213 286/286 F 43,110.00 ZZ 360 43,050.46 1 7.875 312.58 90 7.625 312.58 TRENTON NJ 08611 1 07/01/02 14 1324096 05 08/01/02 30 1324096 N 07/01/32 0 1 7960215 286/286 F 40,050.00 ZZ 360 39,892.60 1 7.875 290.40 90 7.625 290.40 TRENTON NJ 08611 1 07/01/02 21 1324098 05 08/01/02 30 1324098 N 07/01/32 0 7960217 286/286 F 43,200.00 ZZ 360 43,092.83 1 7.875 313.23 90 7.625 313.23 TRENTON NJ 08611 1 07/01/02 14 1324099 05 08/01/02 30 1324099 N 07/01/32 0 7960219 286/286 F 39,150.00 ZZ 360 39,051.37 1 7.875 283.87 90 7.625 283.87 TRENTON NJ 08611 1 07/01/02 21 1324101 05 08/01/02 30 1324101 N 07/01/32 0 7960223 286/286 F 225,000.00 ZZ 360 224,564.39 1 7.375 1,554.02 75 7.125 1,554.02 SAN PABLO CA 94806 2 06/11/02 00 792573 05 08/01/02 0 792573 N 07/01/32 0 7960225 286/286 F 174,000.00 ZZ 360 173,759.73 1 7.875 1,261.62 85 7.625 1,261.62 OAKLAND CA 94621 5 06/25/02 10 796079 05 08/01/02 12 796079 N 07/01/32 0 7960231 286/286 F 59,200.00 ZZ 360 59,158.21 1 1 7.750 424.12 80 7.500 424.12 WILMER AL 36587 1 07/10/02 00 1336791 27 09/01/02 0 1336791 N 08/01/32 0 7960233 286/286 F 55,400.00 ZZ 360 55,321.53 1 7.750 396.90 88 7.500 396.90 MUNCIE IN 47302 2 06/26/02 10 1355173 05 08/01/02 25 1355173 N 07/01/32 0 7960235 286/286 F 43,200.00 ZZ 360 43,132.38 1 7.250 294.71 90 7.000 294.71 DANVILLE KY 40422 1 06/25/02 10 1352799 05 08/01/02 25 1352799 N 07/01/32 0 7960237 286/286 F 61,020.00 ZZ 360 60,924.49 1 7.250 416.27 90 7.000 416.27 DANVILLE KY 40422 1 07/02/02 10 1371496 05 08/01/02 25 1371496 N 07/01/32 0 7960241 286/286 F 224,950.00 ZZ 360 224,783.06 2 7.500 1,572.88 90 7.250 1,572.88 CITRUS HEIGHTS CA 95610 1 07/05/02 14 807800 05 09/01/02 25 807800 N 08/01/32 0 7960243 286/286 F 285,000.00 ZZ 360 284,542.82 1 7.125 1,920.10 32 6.875 1,920.10 DEL MAR CA 92014 5 06/17/02 00 794345 05 08/01/02 0 1 794345 N 07/01/32 0 7960247 286/286 F 35,000.00 ZZ 360 34,975.29 1 7.750 250.75 90 7.500 250.75 WABASH IN 46992 1 07/11/02 11 1376723 05 09/01/02 25 1376723 N 08/01/32 0 7960249 286/286 F 59,550.00 ZZ 360 59,461.32 1 7.500 416.39 90 7.250 416.39 HALTOM CITY TX 76117 1 06/28/02 11 1354681 05 08/01/02 25 1354681 N 07/01/32 0 7960253 286/286 F 66,725.00 ZZ 360 66,630.50 1 7.750 478.03 85 7.500 478.03 RICHLAND HILLS TX 76118 5 06/21/02 11 1294573 05 07/01/02 25 1294573 N 06/01/32 0 7960257 286/286 F 60,000.00 ZZ 360 59,917.15 1 7.875 435.04 80 7.625 435.04 GORDONSVILLE VA 22942 1 06/21/02 00 814721 05 08/01/02 0 814721 N 07/01/32 0 7960261 286/286 F 44,100.00 ZZ 360 44,039.10 1 7.875 319.76 90 7.625 319.76 HAMMOND LA 70401 1 06/28/02 10 1383210 05 08/01/02 25 1383210 N 07/01/32 0 1 7960265 286/286 F 60,000.00 ZZ 360 59,908.40 1 7.375 414.41 75 7.125 414.41 MOSES LAKE WA 98837 5 06/18/02 00 814161 05 08/01/02 0 814161 N 07/01/32 0 7960269 286/286 F 229,500.00 ZZ 360 229,149.67 1 7.375 1,585.10 90 7.125 1,585.10 EL DORADO HILLS CA 95843 1 06/05/02 10 813604 05 08/01/02 25 813604 N 07/01/32 0 7960271 286/286 F 66,300.00 ZZ 360 66,149.55 1 7.375 457.92 68 7.125 457.92 GLENDALE AZ 85302 2 07/03/02 00 800376 03 09/01/02 0 800376 N 08/01/32 0 7960747 E22/G02 F 117,800.00 ZZ 360 117,800.00 1 7.625 833.78 92 7.375 833.78 BRANDON MS 39042 5 08/13/02 01 0414561563 05 10/01/02 25 0414561563 O 09/01/32 0 7960761 E22/G02 F 151,920.00 ZZ 360 151,920.00 1 6.875 998.01 80 6.625 998.01 OLYMPIA WA 98502 1 08/09/02 00 0414568964 05 10/01/02 0 0414568964 O 09/01/32 0 7960771 E22/G02 F 129,600.00 ZZ 240 129,600.00 1 7.250 1,024.33 80 7.000 1,024.33 1 PLANO TX 75075 5 08/14/02 00 0414572263 05 10/01/02 0 0414572263 O 09/01/22 0 7960779 E22/G02 F 256,020.00 ZZ 360 256,020.00 1 6.750 1,660.54 85 6.500 1,660.54 VILLA RICA GA 30180 5 08/14/02 10 0414573683 05 10/01/02 12 0414573683 O 09/01/32 0 7960875 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.125 673.72 80 6.875 673.72 IRVING TX 75061 5 08/13/02 00 0414619932 05 10/01/02 0 0414619932 O 09/01/32 0 7960887 E22/G02 F 81,700.00 ZZ 360 81,700.00 1 6.750 529.90 70 6.500 529.90 POMPANO BEACH FL 33069 5 08/14/02 00 0414631812 08 10/01/02 0 0414631812 O 09/01/32 0 7960889 E22/G02 F 66,000.00 ZZ 240 66,000.00 1 6.500 492.08 83 6.250 492.08 SPRINGFIELD CO 81073 2 08/04/02 04 0414632976 27 10/01/02 12 0414632976 O 09/01/22 0 7961593 E82/G02 F 119,200.00 ZZ 360 119,200.00 1 7.375 823.28 80 7.125 823.28 SPANISH FORK UT 84660 2 08/19/02 00 0400656021 05 10/01/02 0 1985386 N 09/01/32 0 1 7961607 E82/G02 F 383,100.00 ZZ 360 383,100.00 1 7.250 2,613.42 80 7.000 2,613.42 CLAREMONT CA 91711 2 08/13/02 00 0400664470 05 10/01/02 0 4069271 O 09/01/32 0 7961613 E82/G02 F 168,400.00 ZZ 360 168,400.00 4 7.750 1,206.44 74 7.500 1,206.44 RICHTON PARK IL 60471 2 08/20/02 00 0400669891 05 10/01/02 0 1735581 N 09/01/32 0 7961663 E82/G02 F 259,500.00 ZZ 360 259,500.00 1 7.375 1,792.30 48 7.125 1,792.30 RICHMOND CA 94805 5 08/12/02 00 0400640918 05 10/01/02 0 0400640918 O 09/01/32 0 7961671 E82/G02 F 161,000.00 ZZ 360 161,000.00 1 7.375 1,111.99 78 7.125 1,111.99 DURANGO CO 81301 2 08/12/02 00 0400670477 05 10/01/02 0 5141582 O 09/01/32 0 7961773 737/G02 F 51,750.00 ZZ 360 51,750.00 1 6.625 331.36 90 6.375 331.36 SHREVEPORT LA 71104 1 08/12/02 12 0434465019 05 10/01/02 25 2080168 O 09/01/32 0 7961813 N67/G02 F 714,000.00 ZZ 360 713,354.53 1 1 6.500 4,512.97 69 6.250 4,512.97 HENDERSON NV 89015 2 07/30/02 00 0434450672 03 09/01/02 0 1070002349A O 08/01/32 0 7961949 N67/G02 F 139,550.00 ZZ 360 139,451.51 1 7.750 999.75 80 7.500 999.75 AVONDALE AZ 85323 1 07/25/02 00 0434434924 03 09/01/02 0 1781000811A O 08/01/32 0 7962159 N67/G02 F 152,100.00 ZZ 360 151,992.65 1 7.750 1,089.66 90 7.500 1,089.66 CARSON CITY NV 89701 1 07/30/02 01 0434436697 05 09/01/02 30 1782001679A O 08/01/32 0 7962373 N67/G02 F 82,800.00 ZZ 360 82,735.41 1 7.250 564.84 80 7.000 564.84 MIAMI FL 33055 1 07/23/02 00 0434438966 05 09/01/02 0 3254000554A O 08/01/32 0 7962415 N67/G02 F 94,000.00 ZZ 360 93,930.24 1 7.500 657.26 80 7.250 657.26 SMYRNA TN 37167 5 07/25/02 00 0434439352 05 09/01/02 0 3254001104A O 08/01/32 0 7962451 N67/G02 F 80,000.00 ZZ 360 79,943.54 1 7.750 573.13 77 7.500 573.13 MCDONOUGH GA 30253 1 07/24/02 00 0434439642 05 09/01/02 0 1 3254001223A O 08/01/32 0 7962453 N67/G02 F 53,250.00 ZZ 360 53,213.35 1 7.875 386.10 75 7.625 386.10 TAMPA FL 33607 1 07/25/02 00 0434439667 05 09/01/02 0 3254001226A O 08/01/32 0 7962763 N67/G02 F 48,800.00 ZZ 360 48,768.08 1 8.125 362.34 80 7.875 362.34 SOUTH BEND IN 46615 1 07/31/02 00 0434435319 05 09/01/02 0 3262001863A N 08/01/32 0 7962777 N67/G02 F 79,800.00 ZZ 360 79,750.40 1 8.375 606.54 88 8.125 606.54 ELKART IN 46516 2 07/19/02 01 0434435459 05 09/01/02 30 3262001946A O 08/01/32 0 7962779 N67/G02 F 81,000.00 ZZ 360 80,944.25 1 7.875 587.31 75 7.625 587.31 NASHVILLE TN 37206 5 07/19/02 00 0434435475 05 09/01/02 0 3262001949A O 08/01/32 0 7963061 N67/G02 F 332,000.00 ZZ 360 331,753.61 1 7.500 2,321.39 80 7.250 2,321.39 NORFOLK VA 23503 1 07/31/02 00 0434438404 05 09/01/02 0 3274002862A O 08/01/32 0 1 7963139 N67/G02 F 99,000.00 ZZ 360 98,944.50 1 8.875 787.69 90 8.625 787.69 BALTIMORE MD 21209 1 07/22/02 12 0434441291 01 09/01/02 30 3274003176A O 08/01/32 0 7963459 286/286 F 292,500.00 ZZ 360 291,982.44 1 6.625 1,872.91 61 6.375 1,872.91 SAVANNAH GA 31419 2 06/28/02 00 1334705 05 08/01/02 0 1334705 O 07/01/32 0 7963469 286/286 F 267,800.00 ZZ 360 267,575.01 1 6.875 1,759.26 71 6.625 1,759.26 NORWALK CT 06850 1 07/25/02 00 1413875 05 09/01/02 0 1413875 O 08/01/32 0 7963471 286/286 F 228,000.00 ZZ 360 227,576.52 1 6.375 1,422.43 80 6.125 1,422.43 HOUSTON TX 77009 2 06/24/02 00 1360971 05 08/01/02 0 1360971 O 07/01/32 0 7963479 286/286 F 228,500.00 ZZ 360 228,303.26 1 6.750 1,482.05 66 6.500 1,482.05 SAN LEANDRO CA 94577 2 07/10/02 00 1386718 05 09/01/02 0 1386718 O 08/01/32 0 7963489 286/286 F 220,000.00 ZZ 360 219,629.28 1 6.875 1,445.25 73 6.625 1,445.25 1 WALLED LAKE MI 48390 1 06/26/02 00 1342578 05 08/01/02 0 1342578 O 07/01/32 0 7963491 286/286 F 173,600.00 ZZ 360 173,457.70 1 7.000 1,154.97 80 6.750 1,154.97 LAKEWOOD CO 80232 1 07/19/02 00 1410767 05 09/01/02 0 1410767 O 08/01/32 0 7963495 286/286 F 70,000.00 ZZ 360 69,939.73 1 6.750 454.02 42 6.500 454.02 FALLS CHURCH VA 22041 2 07/12/02 00 1382283 01 09/01/02 0 1382283 O 08/01/32 0 7963499 286/286 F 190,000.00 ZZ 360 189,840.37 1 6.875 1,248.17 80 6.625 1,248.17 THE WOODLANDS TX 77381 1 07/26/02 00 1439389 03 09/01/02 0 1439389 O 08/01/32 0 7963501 286/286 F 240,000.00 ZZ 360 239,564.88 1 6.500 1,516.97 80 6.250 1,516.97 ORLANDO FL 32812 1 06/28/02 00 1353834 03 08/01/02 0 1353834 O 07/01/32 0 7963503 286/286 F 77,000.00 ZZ 360 76,935.31 1 6.875 505.84 80 6.625 505.84 MIAMI FL 33175 1 07/02/02 00 1324353 01 09/01/02 0 1324353 O 08/01/32 0 1 7963505 286/286 F 202,000.00 ZZ 360 201,857.42 2 7.750 1,447.16 80 7.500 1,447.16 MIAMI FL 33145 1 07/25/02 00 1429939 05 09/01/02 0 1429939 O 08/01/32 0 7963507 286/286 F 176,850.00 ZZ 360 176,551.99 1 6.875 1,161.78 90 6.625 1,161.78 MABLETON GA 30126 1 06/26/02 10 1382866 05 08/01/02 25 1382866 O 07/01/32 0 7963511 286/286 F 198,000.00 T 360 197,690.15 1 7.250 1,350.71 90 7.000 1,350.71 DESTIN FL 32541 1 06/28/02 11 1344784 03 08/01/02 25 1344784 O 07/01/32 0 7963515 286/286 F 292,000.00 ZZ 360 291,554.23 1 7.375 2,016.78 80 7.125 2,016.78 SOUTHWEST RANCH FL 33331 1 06/28/02 00 1388318 03 08/01/02 0 1388318 O 07/01/32 0 7963521 286/286 F 215,910.00 T 360 215,563.65 1 7.125 1,454.63 90 6.875 1,454.63 GULF SHORES AL 36542 1 06/25/02 14 1357419 01 08/01/02 30 1357419 O 07/01/32 0 7963523 286/286 F 189,000.00 ZZ 360 188,673.62 1 1 6.750 1,225.86 69 6.500 1,225.86 NASSAU BAY TX 77058 2 06/28/02 00 1350341 03 08/01/02 0 1350341 O 07/01/32 0 7963525 286/286 F 164,800.00 T 360 164,654.59 1 6.625 1,055.24 80 6.375 1,055.24 ASHLAND OR 97520 1 07/12/02 00 1346319 05 09/01/02 0 1346319 O 08/01/32 0 7963527 286/286 F 240,000.00 ZZ 360 239,777.71 1 6.375 1,497.29 70 6.125 1,497.29 CORAL SPRINGS FL 33076 2 07/17/02 00 1313069 03 09/01/02 0 1313069 O 08/01/32 0 7963537 286/286 F 84,325.00 ZZ 360 84,054.15 1 6.875 553.96 65 6.625 553.96 AVONDALE AZ 85323 1 07/01/02 00 1380305 03 09/01/02 0 1380305 O 08/01/32 0 7963539 286/286 F 88,800.00 ZZ 360 88,728.98 1 7.125 598.27 80 6.875 598.27 ENGLISHTOWN NJ 07726 1 07/12/02 00 1334191 01 09/01/02 0 1334191 O 08/01/32 0 7963541 286/286 F 250,600.00 ZZ 360 250,217.45 1 7.375 1,730.83 80 7.125 1,730.83 WOODBRIDGE VA 22191 1 06/26/02 00 1266949 03 08/01/02 0 1 1266949 O 07/01/32 0 7963545 286/286 F 210,000.00 ZZ 360 209,819.19 1 6.750 1,362.06 62 6.500 1,362.06 EDISON NJ 08837 1 07/24/02 00 547044 05 09/01/02 0 547044 O 08/01/32 0 7963547 286/286 F 226,305.00 ZZ 360 225,894.71 1 6.500 1,430.41 90 6.250 1,430.41 LEAGUE CITY TX 77573 1 06/28/02 11 1387522 03 08/01/02 25 1387522 O 07/01/32 0 7963549 286/286 F 235,000.00 ZZ 360 234,829.91 2 7.625 1,663.32 78 7.375 1,663.32 FRAMINGHAM MA 01701 2 07/16/02 00 1345600 05 09/01/02 0 1345600 O 08/01/32 0 7963551 286/286 F 225,000.00 ZZ 360 224,506.28 1 6.750 1,459.35 60 6.500 1,459.35 OLD BETHPAGE NY 11804 1 07/29/02 00 147947 05 09/01/02 0 147947 O 08/01/32 0 7963555 286/286 F 106,650.00 ZZ 360 106,553.58 1 6.500 674.11 90 6.250 674.11 HOUSTON TX 77084 1 07/17/02 11 1408771 03 09/01/02 25 1408771 O 08/01/32 0 1 7963557 286/286 F 75,000.00 ZZ 360 74,930.53 1 6.375 467.91 33 6.125 467.91 EASTON MA 02375 1 07/25/02 00 1081463 03 09/01/02 0 1081463 O 08/01/32 0 7963559 286/286 F 63,000.00 ZZ 360 62,947.07 2 6.875 413.87 90 6.625 413.87 PLYMOUTH PA 18651 1 07/08/02 12 1357387 05 09/01/02 25 1357387 O 08/01/32 0 7963561 286/286 F 270,000.00 ZZ 360 269,773.17 1 6.875 1,773.71 90 6.625 1,773.71 ROYAL OAK MI 48073 1 07/03/02 10 1351918 05 09/01/02 25 1351918 O 08/01/32 0 7963565 286/286 F 264,000.00 ZZ 360 263,761.34 1 6.500 1,668.66 73 6.250 1,668.66 WESTMINSTER MD 21157 2 07/25/02 00 1412984 05 09/01/02 0 1412984 O 08/01/32 0 7963571 286/286 F 102,150.00 ZZ 360 102,077.90 1 7.750 731.82 90 7.500 731.82 FORT GRATIOT MI 48059 1 07/15/02 11 1359286 05 09/01/02 25 1359286 O 08/01/32 0 7963573 286/286 F 195,000.00 ZZ 360 194,823.71 1 6.500 1,232.54 80 6.250 1,232.54 1 ASHLAND OR 97520 1 07/22/02 00 1411508 03 09/01/02 0 1411508 O 08/01/32 0 7963577 286/286 F 300,700.00 ZZ 360 300,459.54 1 7.125 2,025.87 85 6.875 2,025.87 CORAL GABLES FL 33146 1 07/15/02 14 1397706 05 09/01/02 12 1397706 O 08/01/32 0 7963581 286/286 F 207,000.00 T 360 206,510.24 1 7.250 1,412.11 90 7.000 1,412.11 ENCINITAS CA 92007 2 06/19/02 10 1323111 03 08/01/02 25 1323111 O 07/01/32 0 7963585 286/286 F 253,300.00 ZZ 360 253,092.37 1 7.000 1,685.21 72 6.750 1,685.21 FRISCO TX 75034 2 07/12/02 00 1357396 03 09/01/02 0 1357396 O 08/01/32 0 7963587 286/286 F 203,850.00 T 360 203,530.98 1 7.250 1,390.62 90 7.000 1,390.62 LITTLETON CO 80120 1 06/28/02 11 1377680 05 08/01/02 25 1377680 O 07/01/32 0 7963591 286/286 F 200,000.00 ZZ 360 199,836.06 1 7.000 1,330.61 80 6.750 1,330.61 CLARK NJ 07066 1 07/18/02 00 1310273 05 09/01/02 0 1310273 O 08/01/32 0 1 7963593 286/286 F 270,000.00 ZZ 360 269,545.04 1 6.875 1,773.71 90 6.625 1,773.71 SAN DIEGO CA 92103 1 06/07/02 12 1303844 01 08/01/02 25 1303844 O 07/01/32 0 7963597 286/286 F 258,500.00 ZZ 360 258,085.34 1 7.125 1,741.56 90 6.875 1,741.56 SOUTH RIDING VA 20152 1 06/27/02 12 1385212 03 08/01/02 25 1385212 O 07/01/32 0 7963601 286/286 F 246,200.00 ZZ 360 245,993.16 1 6.875 1,617.36 79 6.625 1,617.36 PHOENIX AZ 85040 2 07/17/02 00 540631 03 09/01/02 0 540631 O 08/01/32 0 7963603 286/286 F 80,000.00 ZZ 360 79,858.03 1 6.875 525.55 50 6.625 525.55 NEWARK OH 43055 1 07/12/02 00 1348009 05 09/01/02 0 1348009 O 08/01/32 0 7963607 286/286 F 83,700.00 ZZ 360 83,465.05 1 7.875 606.89 90 7.625 606.89 MOBILE AL 36693 1 06/28/02 12 1347392 05 08/01/02 25 1347392 O 07/01/32 0 7963615 286/286 F 189,000.00 ZZ 360 188,837.27 1 1 6.750 1,225.86 90 6.500 1,225.86 GREENVILLE SC 29601 1 07/11/02 10 1395895 01 09/01/02 25 1395895 O 08/01/32 0 7963617 286/286 F 277,600.00 ZZ 360 277,349.04 1 6.500 1,754.63 80 6.250 1,754.63 PLANO TX 75025 1 07/26/02 00 1414464 03 09/01/02 0 1414464 O 08/01/32 0 7963625 286/286 F 80,080.00 ZZ 360 80,012.72 1 6.875 526.07 77 6.625 526.07 REYNOLDSBURG OH 43068 1 07/29/02 00 1392754 05 09/01/02 0 1392754 O 08/01/32 0 7963627 286/286 F 202,500.00 ZZ 360 202,064.25 1 6.750 1,313.42 90 6.500 1,313.42 HOUSTON TX 77057 1 07/08/02 10 1385543 01 09/01/02 25 1385543 O 08/01/32 0 7963631 286/286 F 174,750.00 ZZ 360 174,483.25 1 7.375 1,206.95 75 7.125 1,206.95 HOBOKEN NJ 07030 2 06/24/02 00 1342439 01 08/01/02 0 1342439 O 07/01/32 0 7963633 286/286 F 292,400.00 ZZ 360 292,154.35 1 6.875 1,920.86 90 6.625 1,920.86 MARIETTA GA 30062 1 07/15/02 10 1335827 03 09/01/02 25 1 1335827 O 08/01/32 0 7963635 286/286 F 263,250.00 T 360 262,627.90 1 6.875 1,729.37 90 6.625 1,729.37 COPPER MOUNTAIN CO 80443 1 07/02/02 10 1378923 01 08/01/02 25 1378923 O 07/01/32 0 7963637 286/286 F 83,600.00 ZZ 360 83,528.02 1 6.750 542.23 80 6.500 542.23 FORT WAYNE IN 46835 1 07/16/02 00 1087576 05 09/01/02 0 1087576 O 08/01/32 0 7963639 286/286 F 204,000.00 ZZ 360 203,840.86 1 7.250 1,391.64 80 7.000 1,391.64 MORTON GROVE IL 60053 1 07/18/02 00 1320600 05 09/01/02 0 1320600 O 08/01/32 0 7963641 286/286 F 197,000.00 ZZ 360 196,700.55 1 6.500 1,245.18 52 6.250 1,245.18 SHIP BOTTOM NJ 08008 2 07/25/02 00 1407441 05 09/01/02 0 1407441 O 08/01/32 0 7963643 286/286 F 249,000.00 ZZ 360 248,785.62 1 6.750 1,615.01 63 6.500 1,615.01 SO DARTMOUTH MA 02748 1 07/17/02 00 1352569 05 09/01/02 0 1352569 O 08/01/32 0 1 7963649 286/286 F 164,250.00 ZZ 360 163,952.98 1 7.625 1,162.56 90 7.375 1,162.56 NEW WINDSOR MD 21776 1 07/03/02 11 1387447 05 08/01/02 25 1387447 O 07/01/32 0 7963655 286/286 F 260,900.00 ZZ 360 260,675.36 1 6.750 1,692.20 90 6.500 1,692.20 ASTON PA 19014 1 07/15/02 12 172391 05 09/01/02 25 172391 O 08/01/32 0 7963657 286/286 F 288,000.00 ZZ 360 287,791.55 1 7.625 2,038.45 90 7.375 2,038.45 SEVERNA PARK MD 21146 1 07/25/02 11 1343685 03 09/01/02 25 1343685 O 08/01/32 0 7963663 286/286 F 108,392.00 ZZ 360 108,315.49 1 7.750 776.54 80 7.500 776.54 MIRAMAR FL 33027 1 07/17/02 00 1318205 01 09/01/02 0 1318205 O 08/01/32 0 7963665 286/286 F 219,200.00 ZZ 360 218,830.63 1 6.875 1,439.99 80 6.625 1,439.99 AUSTIN TX 78703 1 06/26/02 00 1372915 05 08/01/02 0 1372915 O 07/01/32 0 7963669 286/286 F 240,000.00 ZZ 360 239,803.27 1 7.000 1,596.73 90 6.750 1,596.73 1 CANONSBURG PA 15317 1 07/24/02 11 1355142 05 09/01/02 25 1355142 O 08/01/32 0 7963671 286/286 F 357,920.00 ZZ 360 357,611.83 1 6.750 2,321.47 90 6.500 2,321.47 KIHEI HI 96753 1 07/10/02 14 1350398 05 09/01/02 25 1350398 O 08/01/32 0 7963673 286/286 F 256,500.00 ZZ 360 256,279.15 1 6.750 1,663.66 75 6.500 1,663.66 NEW BRAUNFELS TX 78132 2 07/26/02 00 1381951 03 09/01/02 0 1381951 O 08/01/32 0 7963683 286/286 F 288,000.00 ZZ 360 287,763.92 1 7.000 1,916.08 90 6.750 1,916.08 WASHINGTON NJ 07882 1 07/08/02 10 1321952 05 09/01/02 25 1321952 O 08/01/32 0 7963691 286/286 F 58,500.00 ZZ 360 58,416.92 1 7.750 419.11 90 7.500 419.11 FT LAUDERDALE FL 33309 1 07/26/02 11 1351116 01 09/01/02 25 1351116 O 08/01/32 0 7963699 286/286 F 222,000.00 ZZ 360 221,639.54 1 7.125 1,495.66 80 6.875 1,495.66 EVANSTON IL 60202 1 06/28/02 00 1303255 01 08/01/02 0 1303255 O 07/01/32 0 1 7963703 286/286 F 244,000.00 ZZ 360 243,645.67 1 7.625 1,727.02 80 7.375 1,727.02 HOOD RIVER OR 97031 1 06/25/02 00 1335809 05 08/01/02 0 1335809 O 07/01/32 0 7963707 286/286 F 159,900.00 ZZ 360 159,643.50 1 7.125 1,077.28 80 6.875 1,077.28 UNION NJ 07083 1 06/28/02 00 1302906 05 08/01/02 0 1302906 O 07/01/32 0 7963709 286/286 F 80,750.00 T 360 80,623.62 1 7.250 550.86 85 7.000 550.86 SEVIERVILLE TN 37863 1 06/28/02 21 1361043 05 08/01/02 12 1361043 O 07/01/32 0 7963713 286/286 F 270,000.00 ZZ 360 269,773.17 1 6.875 1,773.71 90 6.625 1,773.71 SMITHVILLE TX 78957 1 07/26/02 11 1402295 05 09/01/02 25 1402295 O 08/01/32 0 7963715 286/286 F 71,900.00 ZZ 360 71,838.09 1 6.750 466.35 90 6.500 466.35 PT ST LUCIE FL 34592 1 07/15/02 28 1375505 05 09/01/02 25 1375505 O 08/01/32 0 7963717 286/286 F 84,600.00 ZZ 360 84,528.90 1 1 6.875 555.77 90 6.625 555.77 BEAUFORT SC 29902 1 07/16/02 10 1383253 05 09/01/02 25 1383253 O 08/01/32 0 7963723 286/286 F 111,240.00 ZZ 360 111,151.05 1 7.125 749.44 90 6.875 749.44 COLDSPRING TX 77331 1 07/10/02 28 1348934 05 09/01/02 25 1348934 O 08/01/32 0 7963725 286/286 F 297,000.00 ZZ 360 296,779.58 2 7.500 2,076.67 90 7.250 2,076.67 LYNDHURST NJ 07071 1 07/18/02 28 1322942 05 09/01/02 25 1322942 O 08/01/32 0 7963729 286/286 F 296,800.00 ZZ 360 296,299.87 1 6.875 1,949.77 80 6.625 1,949.77 SUFFERN NY 10901 1 07/02/02 00 147887 05 08/01/02 0 147887 O 07/01/32 0 7963731 286/286 F 266,067.00 ZZ 360 265,629.53 1 7.000 1,770.16 90 6.750 1,770.16 MORTON GROVE IL 60053 1 06/28/02 28 1289512 01 08/01/02 25 1289512 O 07/01/32 0 7963733 286/286 F 80,000.00 ZZ 360 79,939.12 1 7.375 552.55 61 7.125 552.55 DAYTON NV 89403 1 07/08/02 00 1387016 05 09/01/02 0 1 1387016 O 08/01/32 0 7963749 286/286 F 85,000.00 ZZ 360 84,930.32 1 7.000 565.51 69 6.750 565.51 DEARBORN HEIGHT MI 48127 1 07/02/02 00 1352287 05 09/01/02 0 1352287 O 08/01/32 0 7963751 286/286 F 260,000.00 ZZ 360 259,561.87 1 6.875 1,708.02 80 6.625 1,708.02 REDINGTON SHORE FL 33708 1 06/28/02 00 1333430 05 08/01/02 0 1333430 O 07/01/32 0 7963761 286/286 F 200,000.00 ZZ 360 199,827.80 1 6.750 1,297.20 72 6.500 1,297.20 AUSTIN TX 78759 1 07/15/02 00 1376858 03 09/01/02 0 1376858 O 08/01/32 0 7963765 286/286 F 233,910.00 ZZ 360 233,722.94 1 7.125 1,575.90 90 6.875 1,575.90 DOYLESTOWN PA 18901 1 07/26/02 10 1414035 05 09/01/02 25 1414035 O 08/01/32 0 7963771 286/286 F 190,000.00 ZZ 360 189,844.25 1 7.000 1,264.08 55 6.750 1,264.08 SAN MARCOS CA 92078 2 07/23/02 00 1426446 03 09/01/02 0 1426446 O 08/01/32 0 1 7963775 286/286 F 133,200.00 ZZ 360 133,088.10 1 6.875 875.03 90 6.625 875.03 PEARLAND TX 77581 1 07/24/02 10 1434113 05 09/01/02 25 1434113 O 08/01/32 0 7963789 286/286 F 262,400.00 ZZ 360 262,149.80 1 6.875 1,723.79 80 6.625 1,723.79 KISSIMMEE FL 34744 1 07/02/02 00 1376617 03 09/01/02 0 1376617 O 08/01/32 0 7963791 286/286 F 225,000.00 ZZ 360 224,664.98 1 7.500 1,573.24 57 7.250 1,573.24 MIDDLETOWN NJ 07748 1 06/27/02 00 1102971 05 08/01/02 0 1102971 O 07/01/32 0 7963793 286/286 F 255,000.00 ZZ 360 254,780.45 1 6.750 1,653.93 46 6.500 1,653.93 SAN GABRIEL CA 91775 1 07/05/02 00 1392674 05 09/01/02 0 1392674 O 08/01/32 0 7963797 286/286 F 234,000.00 ZZ 360 233,363.41 1 6.875 1,537.22 90 6.625 1,537.22 KEY LARGO FL 33037 1 07/29/02 10 1408793 05 09/01/02 25 1408793 O 08/01/32 0 7963799 286/286 F 341,000.00 ZZ 360 340,771.19 2 8.000 2,502.14 90 7.750 2,502.14 1 JAMAICA NY 11436 1 07/18/02 11 1291623 05 09/01/02 25 1291623 O 08/01/32 0 7963801 286/286 F 83,700.00 ZZ 360 83,631.39 1 7.000 556.86 90 6.750 556.86 LAHAINA HI 96761 1 06/26/02 14 1353313 01 09/01/02 25 1353313 O 08/01/32 0 7963803 286/286 F 233,000.00 ZZ 360 232,804.25 1 6.875 1,530.65 78 6.625 1,530.65 SHORELINE WA 98133 2 07/18/02 00 1392782 05 09/01/02 0 1392782 O 08/01/32 0 7963805 286/286 F 235,450.00 ZZ 360 235,252.19 1 6.875 1,546.74 85 6.625 1,546.74 SACRAMENTO CA 95823 1 07/17/02 12 1408468 05 09/01/02 12 1408468 O 08/01/32 0 7963807 286/286 F 171,600.00 ZZ 360 171,437.17 1 6.250 1,056.58 80 6.000 1,056.58 WATERBURY CT 06708 1 07/24/02 00 1414515 05 09/01/02 0 1414515 O 08/01/32 0 7963809 286/286 F 200,000.00 ZZ 360 199,843.97 1 7.250 1,364.36 80 7.000 1,364.36 WHEELING IL 60090 1 07/26/02 00 1345221 05 09/01/02 0 1345221 O 08/01/32 0 1 7963811 286/286 F 98,100.00 ZZ 360 98,017.58 1 6.875 644.45 90 6.625 644.45 MIAMI FL 33137 1 07/02/02 12 1312596 01 09/01/02 25 1312596 O 08/01/32 0 7963813 286/286 F 274,000.00 ZZ 360 273,592.03 2 7.500 1,915.85 84 7.250 1,915.85 NEW ORLEANS LA 70113 2 06/22/02 11 1370827 05 08/01/02 12 1370827 O 07/01/32 0 7963817 286/286 F 230,850.00 ZZ 360 230,646.32 1 6.625 1,478.16 80 6.375 1,478.16 TAMPA FL 33647 1 07/26/02 00 1440314 03 09/01/02 0 1440314 O 08/01/32 0 7963819 286/286 F 259,000.00 ZZ 360 258,771.49 1 6.625 1,658.41 67 6.375 1,658.41 RALEIGH NC 27606 2 07/25/02 00 1360214 03 09/01/02 0 1360214 O 08/01/32 0 7963825 286/286 F 280,000.00 ZZ 360 279,528.17 1 6.875 1,839.41 76 6.625 1,839.41 MARY ESTHER FL 32569 1 06/26/02 00 1387421 05 08/01/02 0 1387421 O 07/01/32 0 7963837 286/286 F 151,900.00 ZZ 360 151,765.97 1 1 6.625 972.64 80 6.375 972.64 MIAMI FL 33186 1 07/16/02 00 1357332 05 09/01/02 0 1357332 O 08/01/32 0 7963845 286/286 F 190,800.00 ZZ 360 190,501.40 1 7.250 1,301.60 90 7.000 1,301.60 STOCKTON CA 95209 1 06/28/02 14 1377505 05 08/01/02 25 1377505 O 07/01/32 0 7963847 286/286 F 276,000.00 T 360 275,795.16 1 7.500 1,929.84 78 7.250 1,929.84 CHICAGO IL 60610 2 07/25/02 00 1392403 01 09/01/02 0 1392403 O 08/01/32 0 7963849 286/286 F 285,600.00 ZZ 360 285,236.25 1 6.875 1,876.19 79 6.625 1,876.19 ANTIOCH CA 94509 2 07/22/02 00 1105584 03 09/01/02 0 1105584 O 08/01/32 0 7963853 286/286 F 220,720.00 ZZ 360 220,547.82 1 7.250 1,505.70 80 7.000 1,505.70 SILVER SPRING MD 20904 1 07/12/02 00 811113 05 09/01/02 0 811113 O 08/01/32 0 7963855 286/286 F 193,500.00 ZZ 360 193,325.08 1 6.500 1,223.05 77 6.250 1,223.05 SAN DIEGO CA 92104 1 07/01/02 00 805925 05 09/01/02 0 1 805925 O 08/01/32 0 7963857 286/286 F 247,200.00 ZZ 360 246,773.14 1 6.750 1,603.33 90 6.500 1,603.33 SAN JUAN CAPIST CA 92675 1 06/20/02 11 804595 03 08/01/02 25 804595 O 07/01/32 0 7963863 286/286 F 225,000.00 ZZ 360 224,810.97 1 6.875 1,478.09 67 6.625 1,478.09 ANAHEIM CA 92807 2 07/09/02 00 805923 03 09/01/02 0 805923 O 08/01/32 0 7963869 286/286 F 121,400.00 ZZ 240 121,152.45 1 6.500 905.13 64 6.250 905.13 WILDOMAR CA 92595 2 07/24/02 00 1106686 05 09/01/02 0 1106686 O 08/01/22 0 7963875 286/286 F 298,700.00 ZZ 360 298,442.82 1 6.750 1,937.37 78 6.500 1,937.37 LOCKEFORD CA 95237 2 07/09/02 00 793405 05 09/01/02 0 793405 O 08/01/32 0 7963877 286/286 F 78,500.00 ZZ 360 78,434.05 1 6.875 515.69 85 6.625 515.69 GALLLOWAY NJ 08205 1 07/22/02 11 1410550 01 09/01/02 12 1410550 O 08/01/32 0 1 7963879 286/286 F 216,000.00 ZZ 360 215,835.64 1 7.375 1,491.86 80 7.125 1,491.86 CONCORD CA 94520 2 07/09/02 00 805677 05 09/01/02 0 805677 O 08/01/32 0 7963885 286/286 F 198,000.00 ZZ 360 197,821.01 1 6.500 1,251.49 67 6.250 1,251.49 MURRIETA CA 92562 1 07/11/02 00 803210 05 09/01/02 0 803210 O 08/01/32 0 7963889 286/286 F 229,500.00 ZZ 360 229,307.18 1 6.875 1,507.66 90 6.625 1,507.66 EL PASO TX 79922 1 07/16/02 10 1105229 05 09/01/02 30 1105229 O 08/01/32 0 7963891 286/286 F 295,000.00 ZZ 360 294,502.90 1 6.875 1,937.94 90 6.625 1,937.94 SAN DIEGO CA 92126 1 06/26/02 14 806780 05 08/01/02 25 806780 O 07/01/32 0 7963897 286/286 F 200,000.00 ZZ 360 199,862.36 1 7.875 1,450.14 54 7.625 1,450.14 BLOOMINGDALE IL 60108 2 07/10/02 00 1359333 05 09/01/02 0 1359333 O 08/01/32 0 7963903 286/286 F 163,800.00 ZZ 360 163,568.04 1 7.750 1,173.48 90 7.500 1,173.48 1 PERRIS CA 92570 1 06/14/02 10 802700 05 08/01/02 25 802700 O 07/01/32 0 7963905 286/286 F 221,500.00 ZZ 360 221,327.21 1 7.250 1,511.02 80 7.000 1,511.02 CHULA VISTA CA 91910 1 07/09/02 00 1104875 05 09/01/02 0 1104875 O 08/01/32 0 7963909 286/286 F 250,000.00 ZZ 360 249,627.76 1 7.500 1,748.04 87 7.250 1,748.04 ORANGE CA 92867 1 06/14/02 11 804194 05 08/01/02 25 804194 O 07/01/32 0 7963911 286/286 F 165,550.00 ZZ 360 165,407.47 1 6.750 1,073.75 90 6.500 1,073.75 RANCHO CUCAMONG CA 91730 1 07/03/02 11 806715 05 09/01/02 25 806715 O 08/01/32 0 7963915 286/286 F 276,000.00 ZZ 360 275,523.40 1 6.750 1,790.13 80 6.500 1,790.13 TUJUNGA AREA CA 91042 2 06/21/02 00 805386 05 08/01/02 0 805386 O 07/01/32 0 7963917 286/286 F 67,600.00 T 360 67,549.83 1 7.500 472.67 80 7.250 472.67 MUNDS PARK AZ 86017 1 06/27/02 00 105152 03 08/01/02 0 105152 O 07/01/32 0 1 7963925 286/286 F 215,950.00 T 360 215,628.48 1 7.500 1,509.95 90 7.250 1,509.95 FOLSOM CA 95630 1 06/19/02 10 802187 05 08/01/02 25 802187 O 07/01/32 0 7963927 286/286 F 195,000.00 ZZ 360 194,679.39 1 7.000 1,297.34 74 6.750 1,297.34 VAN NUYS AREA CA 91405 1 06/21/02 00 802360 05 08/01/02 0 802360 O 07/01/32 0 7963929 286/286 F 118,400.00 ZZ 360 118,316.43 2 7.750 848.24 80 7.500 848.24 NEW HAVEN CT 06512 1 07/24/02 00 1316499 05 09/01/02 0 1316499 O 08/01/32 0 7963937 286/286 F 260,050.00 ZZ 360 259,578.55 1 6.500 1,643.69 90 6.250 1,643.69 CONCORD CA 94519 1 06/26/02 14 807513 05 08/01/02 25 807513 O 07/01/32 0 7963939 286/286 F 218,000.00 ZZ 360 217,816.86 1 6.875 1,432.10 74 6.625 1,432.10 ANAHEIM CA 92802 2 07/17/02 00 808151 05 09/01/02 0 808151 O 08/01/32 0 7963941 286/286 F 289,500.00 ZZ 360 289,290.47 1 1 7.625 2,049.06 90 7.375 2,049.06 GUATAY CA 91931 1 07/24/02 14 807613 05 09/01/02 25 807613 O 08/01/32 0 7963945 286/286 F 256,000.00 ZZ 360 255,568.62 1 6.875 1,681.74 80 6.625 1,681.74 POWAY CA 92064 1 06/18/02 00 796191 05 08/01/02 0 796191 O 07/01/32 0 7963955 286/286 F 196,000.00 ZZ 360 195,843.26 1 7.125 1,320.49 88 6.875 1,320.49 SALT LAKE CITY UT 84106 2 07/01/02 11 796389 05 09/01/02 25 796389 O 08/01/32 0 7963957 286/286 F 296,650.00 ZZ 360 295,949.56 1 6.875 1,948.78 85 6.625 1,948.78 CARMICHAEL CA 95608 1 06/24/02 04 774282 05 08/01/02 12 774282 O 07/01/32 0 7963959 286/286 F 214,550.00 ZZ 360 214,365.27 1 6.750 1,391.57 70 6.500 1,391.57 FAIRFIELD CA 94533 1 07/12/02 00 1105153 03 09/01/02 0 1105153 O 08/01/32 0 7963961 286/286 F 218,200.00 ZZ 360 217,832.31 1 6.875 1,433.42 90 6.625 1,433.42 PALM SPRINGS CA 92262 1 05/31/02 14 794802 05 08/01/02 25 1 794802 O 07/01/32 0 7963965 286/286 F 310,000.00 ZZ 360 309,464.70 1 6.750 2,010.65 90 6.500 2,010.65 GARDEN GROVE CA 92841 1 06/21/02 14 803666 05 08/01/02 25 803666 O 07/01/32 0 7963967 286/286 F 268,800.00 ZZ 360 268,222.38 1 6.750 1,743.43 80 6.500 1,743.43 WINDSOR CA 95492 1 06/20/02 00 805003 05 08/01/02 0 805003 O 07/01/32 0 7963969 286/286 F 255,200.00 ZZ 360 254,950.13 1 6.625 1,634.07 80 6.375 1,634.07 ALAMEDA CA 94501 1 07/10/02 00 807708 05 09/01/02 0 807708 O 08/01/32 0 7963971 286/286 F 295,150.00 ZZ 360 294,902.03 1 6.875 1,938.93 90 6.625 1,938.93 LA HABRA CA 90631 1 07/10/02 14 808434 05 09/01/02 25 808434 O 08/01/32 0 7963973 286/286 F 134,851.00 ZZ 360 134,618.12 1 6.750 874.65 90 6.500 874.65 SALT LAKE CITY UT 84111 1 06/26/02 14 819581 05 08/01/02 25 819581 O 07/01/32 0 1 7963977 286/286 F 193,500.00 ZZ 360 193,218.99 1 7.625 1,369.59 90 7.375 1,369.59 SOUTHAMPTON MA 01073 1 07/03/02 14 1355244 05 08/01/02 25 1355244 O 07/01/32 0 7963981 286/286 F 269,000.00 ZZ 360 268,774.01 1 6.875 1,767.14 67 6.625 1,767.14 VALLEJO CA 94591 2 07/09/02 00 805668 05 09/01/02 0 805668 O 08/01/32 0 7963983 286/286 F 181,800.00 ZZ 360 181,477.51 1 6.875 1,194.30 90 6.625 1,194.30 NORTH HOLLYWOOD CA 91605 1 06/28/02 11 805793 05 09/01/02 25 805793 O 08/01/32 0 7963985 286/286 F 150,890.00 ZZ 360 150,763.23 1 6.875 991.24 90 6.625 991.24 EAGLE ID 83616 1 07/18/02 01 812879 03 09/01/02 25 812879 O 08/01/32 0 7963989 286/286 F 282,000.00 ZZ 360 281,757.20 1 6.750 1,829.05 80 6.500 1,829.05 RIVERSIDE CA 92508 1 07/08/02 00 815627 05 09/01/02 0 815627 O 08/01/32 0 7963993 286/286 F 206,500.00 ZZ 360 205,976.55 1 6.875 1,356.56 90 6.625 1,356.56 1 CITRUS HEIGHTS CA 95610 1 05/26/02 14 798120 05 07/01/02 25 798120 O 06/01/32 0 7963995 286/286 F 215,950.00 ZZ 360 215,586.10 1 6.875 1,418.64 90 6.625 1,418.64 OAKLAND CA 94608 1 06/19/02 04 799885 05 08/01/02 25 799885 O 07/01/32 0 7963997 286/286 F 294,500.00 ZZ 360 294,233.77 1 6.500 1,861.44 74 6.250 1,861.44 ACTON AREA CA 93510 2 06/28/02 00 806936 05 09/01/02 0 806936 O 08/01/32 0 7963999 286/286 F 80,000.00 ZZ 360 79,880.87 1 7.500 559.38 80 7.250 559.38 TINLEY PARK IL 60477 1 06/28/02 00 1335227 01 08/01/02 0 1335227 O 07/01/32 0 7964001 286/286 F 227,000.00 ZZ 360 226,608.02 1 6.750 1,472.32 80 6.500 1,472.32 SEATTLE WA 98118 2 06/25/02 00 1328438 05 08/01/02 0 1328438 O 07/01/32 0 7964007 286/286 F 300,000.00 ZZ 360 299,775.19 1 7.500 2,097.65 90 7.250 2,097.65 STAMFORD CT 06906 1 07/17/02 11 1378812 05 09/01/02 25 1378812 O 08/01/32 0 1 7964009 286/286 F 66,500.00 ZZ 240 66,362.35 1 6.375 490.93 79 6.125 490.93 DALLAS TX 75208 2 07/25/02 00 1410161 05 09/01/02 0 1410161 O 08/01/22 0 7964013 286/286 F 203,000.00 ZZ 360 202,712.52 1 7.750 1,454.32 60 7.500 1,454.32 DES PLAINES IL 60016 2 06/27/02 00 1353609 05 08/01/02 0 1353609 O 07/01/32 0 7964023 286/286 F 283,000.00 ZZ 360 282,800.26 1 7.750 2,027.45 79 7.500 2,027.45 NORTHFIELD IL 60093 2 07/18/02 00 778580 05 09/01/02 0 778580 O 08/01/32 0 7964027 286/286 F 287,950.00 ZZ 360 287,725.37 1 7.250 1,964.33 90 7.000 1,964.33 ANAHEIM CA 92806 1 07/08/02 10 805886 05 09/01/02 25 805886 O 08/01/32 0 7964029 286/286 F 298,000.00 ZZ 360 297,778.84 2 7.500 2,083.66 78 7.250 2,083.66 ELMWOOD PARK IL 60707 1 07/15/02 00 1405901 05 09/01/02 0 1405901 O 08/01/32 0 7964031 286/286 F 235,000.00 ZZ 360 234,692.66 1 1 6.625 1,504.74 70 6.375 1,504.74 PENN VALLEY CA 95946 1 07/02/02 00 1382889 05 09/01/02 0 1382889 O 08/01/32 0 7964033 286/286 F 210,000.00 ZZ 360 209,823.57 1 6.875 1,379.56 75 6.625 1,379.56 ELGIN IL 60120 2 07/24/02 00 1433786 05 09/01/02 0 1433786 O 08/01/32 0 7964043 286/286 F 240,000.00 ZZ 360 239,777.71 1 6.375 1,497.29 80 6.125 1,497.29 SAN DIEGO CA 92104 1 07/11/02 00 808016 05 09/01/02 0 808016 O 08/01/32 0 7964049 286/286 F 207,000.00 ZZ 360 206,838.53 1 7.250 1,412.10 80 7.000 1,412.10 PATTERSON CA 95363 1 07/12/02 00 808856 05 09/01/02 0 808856 O 08/01/32 0 7964051 286/286 F 190,000.00 ZZ 360 189,840.38 1 6.875 1,248.16 72 6.625 1,248.16 ROSEVILLE CA 95678 1 07/01/02 00 802992 05 09/01/02 0 802992 O 08/01/32 0 7964053 286/286 F 99,600.00 T 360 99,436.24 1 7.000 662.64 80 6.750 662.64 PALM DESERT CA 92211 1 06/19/02 00 804853 01 08/01/02 0 1 804853 O 07/01/32 0 7964055 286/286 F 210,000.00 ZZ 360 209,584.86 1 7.000 1,397.14 74 6.750 1,397.14 RIVERSIDE CA 92508 1 06/24/02 00 806592 05 08/01/02 0 806592 O 07/01/32 0 7964059 286/286 F 300,700.00 ZZ 360 300,441.11 1 6.750 1,950.33 90 6.500 1,950.33 SANTA ROSA CA 95403 2 07/01/02 14 806142 05 09/01/02 25 806142 O 08/01/32 0 7964067 286/286 F 236,000.00 ZZ 360 234,700.45 1 6.875 1,550.35 80 6.625 1,550.35 GARDEN GROVE CA 92844 2 06/21/02 00 802997 05 08/01/02 0 802997 O 07/01/32 0 7964069 286/286 F 287,200.00 ZZ 360 286,975.96 1 7.250 1,959.21 80 7.000 1,959.21 SAN LEANDRO CA 94579 1 07/18/02 00 1107012 05 09/01/02 0 1107012 O 08/01/32 0 7964071 286/286 F 202,000.00 ZZ 360 201,834.42 1 7.000 1,343.91 80 6.750 1,343.91 LONG BEACH CA 90804 2 07/18/02 00 807319 03 09/01/02 0 807319 O 08/01/32 0 1 7964073 286/286 F 78,350.00 ZZ 360 78,282.54 1 6.750 508.18 51 6.500 508.18 EAST STROUDSBUR PA 18301 1 07/12/02 00 1350618 03 09/01/02 0 1350618 O 08/01/32 0 7964075 286/286 F 280,000.00 ZZ 360 279,746.87 1 6.500 1,769.80 46 6.250 1,769.80 BERKELEY CA 94707 1 07/09/02 00 1393661 05 09/01/02 0 1393661 O 08/01/32 0 7964079 286/286 F 227,000.00 ZZ 360 226,843.78 1 7.875 1,645.91 80 7.625 1,645.91 CHICAGO IL 60610 2 07/10/02 00 1359187 01 09/01/02 0 1359187 O 08/01/32 0 7964081 286/286 F 245,400.00 ZZ 360 245,178.16 1 6.500 1,551.09 75 6.250 1,551.09 SACRAMENTO CA 95829 1 07/10/02 00 818692 05 09/01/02 0 818692 O 08/01/32 0 7964083 286/286 F 202,450.00 ZZ 360 202,275.69 1 6.750 1,313.09 50 6.500 1,313.09 CHAMPAIGN IL 61822 1 07/11/02 00 1315792 05 09/01/02 0 1315792 O 08/01/32 0 7964085 286/286 F 300,700.00 ZZ 360 300,414.69 1 6.250 1,851.46 78 6.000 1,851.46 1 POWAY CA 92064 1 07/18/02 00 1106806 05 09/01/02 0 1106806 O 08/01/32 0 7964087 286/286 F 115,150.00 T 360 115,048.40 1 6.625 737.32 90 6.375 737.32 LAS VEGAS NV 89147 1 07/01/02 14 807623 03 09/01/02 25 807623 O 08/01/32 0 7964089 286/286 F 191,000.00 ZZ 360 190,827.33 1 6.500 1,207.25 66 6.250 1,207.25 RAMONA CA 92065 2 07/12/02 00 807086 05 09/01/02 0 807086 O 08/01/32 0 7964091 286/286 F 97,600.00 ZZ 360 97,454.67 1 7.500 682.44 80 7.250 682.44 ISLIP NY 11779 1 06/26/02 00 782985 05 08/01/02 0 782985 O 07/01/32 0 7964333 W39/G02 F 332,000.00 ZZ 360 332,000.00 1 7.000 2,208.80 80 6.750 2,208.80 OVILLA TX 75154 5 08/12/02 00 0434498820 05 10/01/02 0 PNI20660 O 09/01/32 0 7964459 L21/G02 F 87,300.00 ZZ 360 87,300.00 3 7.875 632.99 90 7.625 632.99 ALBANY NY 12202 1 08/16/02 14 0434458238 05 10/01/02 25 70302109 N 09/01/32 0 1 7964471 N47/G02 F 206,000.00 ZZ 360 206,000.00 1 6.625 1,319.04 55 6.375 1,319.04 OCEANSIDE CA 92054 2 08/08/02 00 0434464087 05 10/01/02 0 30122101 O 09/01/32 0 7964691 286/286 F 60,800.00 ZZ 360 60,709.48 1 7.500 425.13 80 7.250 425.13 1UCSON AZ 85705 5 06/11/02 00 1348468 05 08/01/02 0 1348468 N 07/01/32 0 7964701 286/286 F 52,500.00 ZZ 360 52,416.65 2 7.750 376.12 80 7.500 376.12 MILWAUKEE WI 53210 1 06/26/02 00 1337467 05 08/01/02 0 1337467 N 07/01/32 0 7964713 286/286 F 30,300.00 ZZ 360 30,254.87 1 7.500 211.87 80 7.250 211.87 PITTSBURGH PA 15202 1 06/06/02 00 1332501 05 08/01/02 0 1332501 N 07/01/32 0 7964719 286/286 F 36,900.00 ZZ 360 36,872.61 1 7.500 258.02 90 7.250 258.02 DETROIT MI 48214 1 07/12/02 21 1354177 01 09/01/02 25 1354177 N 08/01/32 0 7964797 286/286 F 171,500.00 ZZ 360 171,231.63 4 1 7.250 1,169.93 70 7.000 1,169.93 METAIRIE LA 70001 5 07/01/02 00 1379844 05 08/01/02 0 1379844 N 07/01/32 0 7964813 286/286 F 68,200.00 ZZ 360 68,098.44 2 7.500 476.87 79 7.250 476.87 SPRINGFIELD OH 45503 2 06/13/02 00 1329980 05 08/01/02 0 1329980 N 07/01/32 0 7964837 286/286 F 48,800.00 ZZ 360 48,764.67 1 7.625 345.41 80 7.375 345.41 HAMMOND IN 46324 2 07/03/02 00 1377217 05 09/01/02 0 1377217 N 08/01/32 0 7964857 286/286 F 166,500.00 ZZ 360 166,239.43 2 7.250 1,135.83 90 7.000 1,135.83 SAN MARCOS TX 78666 1 06/20/02 10 1333269 05 08/01/02 25 1333269 N 07/01/32 0 7964859 286/286 F 166,500.00 ZZ 360 166,239.43 2 7.250 1,135.83 90 7.000 1,135.83 SAN MARCOS TX 78666 1 06/20/02 10 1333277 05 08/01/02 25 1333277 N 07/01/32 0 7964895 N74/G02 F 56,250.00 ZZ 360 56,250.00 1 6.875 369.52 75 6.625 369.52 HENSLEY AR 72065 5 08/15/02 00 0434504577 05 10/01/02 0 1 0030575010 O 09/01/32 0 7964901 U36/G02 F 180,000.00 ZZ 360 179,863.03 1 7.375 1,243.22 80 7.125 1,243.22 LIZELLA GA 31052 2 07/29/02 00 0434473013 05 09/01/02 0 987001001 O 08/01/32 0 7965733 S43/G02 F 126,000.00 ZZ 360 126,000.00 1 6.500 796.41 80 6.250 796.41 ALBUQUERQUE NM 87111 1 08/12/02 00 0434464913 05 10/01/02 0 021171 O 09/01/32 0 7965975 U97/G02 F 192,500.00 ZZ 360 192,342.21 1 7.000 1,280.71 79 6.750 1,280.71 LONG BEACH CA 90805 5 07/22/02 00 0434509444 05 09/01/02 0 998813107 O 08/01/32 0 7965981 K15/G02 F 57,000.00 ZZ 360 57,000.00 1 7.875 413.29 95 7.625 413.29 BUFFALO NY 14215 5 08/14/02 11 0434456737 05 10/01/02 30 029505304516 O 09/01/32 0 7966045 E86/G02 F 190,000.00 ZZ 360 189,836.41 1 6.750 1,232.34 54 6.500 1,232.34 PHOENIXVILLE PA 19460 2 07/25/02 00 0434466629 05 09/01/02 0 0000208484 O 08/01/32 0 1 7966109 K15/G02 F 91,800.00 ZZ 360 91,800.00 1 7.875 665.61 90 7.625 665.61 MT AIRY NC 27030 5 08/10/02 11 0434470290 05 10/01/02 30 081002 O 09/01/32 0 7966543 696/G02 F 84,000.00 ZZ 360 84,000.00 1 7.125 565.92 80 6.875 565.92 ARLINGTON VA 22207 1 08/16/02 00 0434526398 08 10/01/02 0 22802116 O 09/01/32 0 7966951 964/G02 F 266,000.00 ZZ 360 266,000.00 1 6.875 1,747.43 75 6.625 1,747.43 GRASS VALLEY CA 95949 5 08/06/02 00 0434500997 05 10/01/02 0 231168 O 09/01/32 0 7967151 E22/G02 F 172,000.00 ZZ 360 172,000.00 2 7.875 1,247.12 80 7.625 1,247.12 WILMINGTON NC 28405 1 08/20/02 00 0414368050 05 10/01/02 0 0414368050 N 09/01/32 0 7967159 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.500 682.63 60 6.250 682.63 RENO NV 89511 2 08/09/02 00 0414404194 05 10/01/02 0 0414404194 O 09/01/32 0 7967173 E22/G02 F 92,850.00 ZZ 360 92,850.00 1 6.625 594.53 70 6.375 594.53 1 STRATHMORE CA 93267 2 08/07/02 00 0414462036 05 10/01/02 0 0414462036 O 09/01/32 0 7967179 E22/G02 F 148,800.00 ZZ 360 148,800.00 1 7.375 1,027.72 95 7.125 1,027.72 MIAMI BEACH FL 33139 1 08/20/02 04 0414467910 01 10/01/02 30 0414467910 O 09/01/32 0 7967211 E22/G02 F 139,200.00 ZZ 360 139,200.00 1 6.750 902.85 80 6.500 902.85 NORTH PROVIDENC RI 02904 5 08/15/02 00 0414521302 05 10/01/02 0 0414521302 O 09/01/32 0 7967267 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 7.250 1,773.66 79 7.000 1,773.66 BRIDGEWATER NJ 08807 1 08/20/02 00 0414571794 05 10/01/02 0 0414571794 O 09/01/32 0 7967655 E82/G02 F 140,500.00 ZZ 360 140,500.00 1 7.000 934.75 60 6.750 934.75 FRISCO CO 80443 2 08/20/02 00 0400652244 01 10/01/02 0 1647863 N 09/01/32 0 7968871 L03/G02 F 194,800.00 ZZ 360 194,636.34 1 6.875 1,279.70 78 6.625 1,279.70 PHOENIX AZ 85087 2 08/01/02 00 0434466512 05 09/01/02 0 40006214 O 08/01/32 0 1 7968953 Q87/G02 F 60,000.00 ZZ 360 59,950.82 1 7.000 399.18 80 6.750 399.18 SKIPPERVILLE AL 36374 5 08/19/02 00 0434467221 05 09/23/02 0 PALE04 O 08/23/32 0 7968993 975/G02 F 488,000.00 ZZ 360 488,000.00 1 6.625 3,124.72 70 6.375 3,124.72 SAN MARINO CA 91108 5 08/07/02 00 0434527214 05 10/01/02 0 2022510 O 09/01/32 0 7969209 738/G02 F 136,000.00 ZZ 360 136,000.00 1 7.875 986.10 80 7.625 986.10 MIAMI FL 33133 1 08/09/02 00 0434463394 05 10/01/02 0 40430948 N 09/01/32 0 7969259 U05/G02 F 340,000.00 ZZ 360 340,000.00 1 6.875 2,233.56 80 6.625 2,233.56 MORGAN HILL CA 95037 2 08/08/02 00 0434458832 05 10/01/02 0 3243261 O 09/01/32 0 7969607 U05/G02 F 184,000.00 ZZ 360 183,856.47 1 7.250 1,255.20 80 7.000 1,255.20 MONTGOMERY TX 77356 5 07/26/02 00 0434463006 03 09/01/02 0 3237321 O 08/01/32 0 7969611 G51/G02 F 108,000.00 ZZ 360 108,000.00 1 1 7.500 755.15 80 7.250 755.15 DENVER CO 80204 1 08/16/02 00 0434467395 05 10/01/02 0 58897866 N 09/01/32 0 7969707 F89/G02 F 264,000.00 ZZ 360 263,788.88 1 7.125 1,778.62 80 6.875 1,778.62 LOS ANGELES CA 90036 1 07/22/02 00 0434433603 01 09/01/02 0 12921351 O 08/01/32 0 7969739 253/253 F 577,500.00 ZZ 360 577,500.00 1 6.875 3,793.76 75 6.625 3,793.76 CORRALES NM 87048 2 08/12/02 00 1 05 10/01/02 0 1 O 09/01/32 0 7969805 K88/G02 F 420,000.00 ZZ 360 420,000.00 1 6.500 2,654.69 58 6.250 2,654.69 WOODCLIFF LAKE NJ 07675 1 08/15/02 00 0434515235 05 10/01/02 0 29899 O 09/01/32 0 7969875 W02/G02 F 123,500.00 ZZ 360 123,396.24 1 6.875 811.31 65 6.625 811.31 SANTEE CA 92071 5 07/22/02 00 0434534194 01 09/01/02 0 0591863 N 08/01/32 0 7970123 A52/G02 F 123,920.00 ZZ 360 123,825.71 1 7.375 855.88 80 7.125 855.88 WOODSTOCK GA 30189 1 07/31/02 00 0434458931 03 09/01/02 0 1 19976 O 08/01/32 0 7970129 W08/G02 F 135,900.00 ZZ 360 135,900.00 1 6.875 892.77 90 6.625 892.77 MIAMI FL 33186 1 08/20/02 10 0434464335 09 10/01/02 25 021185MG O 09/01/32 0 7970183 M82/G02 F 125,800.00 ZZ 360 125,800.00 2 7.500 879.62 82 7.250 879.62 BLAIRSVILLE GA 30512 1 08/19/02 27 0434504189 05 10/01/02 20 10346 N 09/01/32 0 7971145 696/G02 F 120,000.00 ZZ 360 120,000.00 1 7.500 839.06 39 7.250 839.06 WASHINGTON DC 20009 1 08/21/02 00 0434452843 01 10/01/02 0 31202190 N 09/01/32 0 7971691 L76/G02 F 93,000.00 ZZ 360 93,000.00 1 6.875 610.94 73 6.625 610.94 BYRON CENTER MI 49315 5 08/21/02 00 0434468690 05 10/01/02 0 991075 O 09/01/32 0 7971743 E82/G02 F 121,500.00 ZZ 360 121,500.00 1 6.750 788.05 31 6.500 788.05 PRINCETON JCT NJ 08550 5 08/16/02 00 0400664579 05 10/01/02 0 0400664579 O 09/01/32 0 1 7971759 E82/G02 F 97,400.00 ZZ 360 97,400.00 1 6.625 623.66 63 6.375 623.66 BOYNTON BEACH FL 33437 2 08/16/02 00 0400673083 01 10/01/02 0 1659268 O 09/01/32 0 7972585 U05/G02 F 118,500.00 ZZ 360 118,402.87 1 7.000 788.38 80 6.750 788.38 AUSTELL GA 30106 2 08/05/02 00 0434466207 05 09/01/02 0 3250407 N 08/01/32 0 7973291 G34/G02 F 327,900.00 ZZ 360 327,900.00 2 7.625 2,320.86 80 7.375 2,320.86 KEY WEST FL 33040 5 08/15/02 00 0434468666 05 10/01/02 0 2076202 O 09/01/32 0 7973297 S07/G02 F 184,800.00 ZZ 360 184,800.00 1 7.000 1,229.48 80 6.750 1,229.48 COLORADO SPRING CO 80906 1 08/05/02 00 0434469094 03 10/01/02 0 87543201 N 09/01/32 0 7974509 M11/G02 F 78,800.00 ZZ 360 78,800.00 1 7.750 564.54 80 7.500 564.54 SPRING TX 77380 1 08/15/02 00 0434501045 03 10/01/02 0 17927002 O 09/01/32 0 7974601 W47/G02 F 280,000.00 ZZ 360 280,000.00 1 6.375 1,746.84 80 6.125 1,746.84 1 LINCOLNWOOD IL 60712 1 08/05/02 00 0434468385 05 10/01/02 0 02070000 O 09/01/32 0 7974671 B44/G02 F 96,408.00 ZZ 360 96,408.00 1 6.500 609.36 80 6.250 609.36 BOISE ID 83712 1 08/16/02 00 0434469177 05 10/01/02 0 4021345 O 09/01/32 0 7974931 A80/G02 F 121,600.00 ZZ 360 121,600.00 1 6.625 778.62 80 6.375 778.62 MIAMI FL 33015 1 08/21/02 00 0434468724 03 10/01/02 0 0254888 O 09/01/32 0 7975559 E82/G02 F 223,000.00 ZZ 360 223,000.00 1 6.875 1,464.95 80 6.625 1,464.95 SPRING HILL KS 66083 2 08/19/02 00 0400665030 05 10/01/02 0 1992369 O 09/01/32 0 7975569 E82/G02 F 116,000.00 ZZ 360 116,000.00 1 6.625 742.76 72 6.375 742.76 EAST WINDSOR CT 06016 2 08/19/02 00 0400673422 05 10/01/02 0 4147858 O 09/01/32 0 7975731 X08/G02 F 354,700.00 ZZ 360 354,700.00 1 6.750 2,300.58 78 6.500 2,300.58 HIGHLAND UT 84003 2 08/13/02 00 0434468930 05 10/01/02 0 6010425 O 09/01/32 0 1 7976583 W93/G02 F 113,600.00 ZZ 360 113,600.00 1 7.000 755.79 78 6.750 755.79 GLENDALE AZ 85310 2 08/01/02 00 0434467957 05 10/01/02 0 35394269 O 09/01/32 0 7976673 W93/G02 F 88,000.00 ZZ 360 88,000.00 1 7.000 585.47 80 6.750 585.47 PHOENIX AZ 85037 2 08/01/02 00 0434468021 05 10/01/02 0 35394271 O 09/01/32 0 7976695 W93/G02 F 126,400.00 ZZ 360 126,400.00 1 7.000 840.95 80 6.750 840.95 MESA AZ 85205 2 08/01/02 00 0434468047 05 10/01/02 0 35394162 O 09/01/32 0 7976775 S11/G02 F 131,900.00 ZZ 360 131,900.00 1 6.375 822.88 80 6.125 822.88 RIVERSIDE CA 92503 1 08/05/02 00 0434498218 05 10/01/02 0 10208727 O 09/01/32 0 7976991 742/G02 F 93,750.00 ZZ 360 93,750.00 4 7.250 639.54 75 7.000 639.54 NORTH TONAWANDA NY 14120 1 08/16/02 00 0434499174 05 10/01/02 0 5568571 N 09/01/32 0 7978525 E22/G02 F 148,500.00 ZZ 360 148,500.00 3 1 7.500 1,038.33 90 7.250 1,038.33 BLUE SPRINGS MO 64015 1 08/23/02 01 0414656876 05 10/01/02 25 0414656876 N 09/01/32 0 7978609 E22/G02 F 233,750.00 ZZ 360 233,750.00 1 7.250 1,594.59 88 7.000 1,594.59 CORAL SPRINGS FL 33067 1 08/23/02 04 0414749150 03 10/01/02 25 0414749150 O 09/01/32 0 7978629 E22/G02 F 53,100.00 ZZ 360 53,100.00 1 7.625 375.84 89 7.375 375.84 PORT SAINT LUCI FL 34983 1 08/23/02 01 0414789941 05 10/01/02 25 0414789941 N 09/01/32 0 7978767 E82/G02 F 196,000.00 ZZ 360 196,000.00 1 6.750 1,271.25 80 6.500 1,271.25 COLFAX CA 95713 2 08/21/02 00 0400670535 05 10/01/02 0 0400670535 O 09/01/32 0 7979231 F28/G02 F 480,000.00 ZZ 360 479,576.50 1 6.625 3,073.49 80 6.375 3,073.49 HIGHLANDS RANCH CO 80129 2 07/24/02 00 0434480364 03 09/01/02 0 3218507 O 08/01/32 0 7979669 A52/G02 F 246,000.00 ZZ 360 246,000.00 1 7.250 1,678.15 95 7.000 1,678.15 DACULA GA 30019 1 08/15/02 11 0434468823 03 10/01/02 30 1 20280 O 09/01/32 0 7979859 E47/G02 F 176,000.00 ZZ 360 176,000.00 1 6.500 1,112.44 80 6.250 1,112.44 WESTMINSTER CO 80031 5 08/07/02 00 0434490231 05 10/01/02 0 7332020989 O 09/01/32 0 7979945 896/G02 F 300,000.00 T 360 299,777.36 1 7.500 2,097.64 79 7.250 2,097.64 ORANGE BEACH AL 36561 1 07/31/02 00 0434488797 01 09/01/02 0 27916 O 08/01/32 0 7980145 X31/G02 F 336,000.00 ZZ 360 336,000.00 1 6.500 2,123.75 80 6.250 2,123.75 MISSION VIEJO CA 92691 1 08/19/02 00 0434548863 05 10/01/02 0 40103486 O 09/01/32 0 7980541 W30/G02 F 240,000.00 ZZ 360 240,000.00 4 7.875 1,740.17 78 7.625 1,740.17 NORTH ATTLEBORO MA 02760 1 08/23/02 00 0434519401 05 10/01/02 0 88880501 N 09/01/32 0 7980577 P21/G02 F 95,000.00 ZZ 360 95,000.00 1 7.625 672.40 95 7.375 672.40 LOS ANGELES CA 90032 5 08/15/02 01 0434499216 01 10/01/02 25 0206071 O 09/01/32 0 1 7980713 E45/G02 F 410,000.00 ZZ 360 410,000.00 1 6.375 2,557.87 74 6.125 2,557.87 FAIRFAX STATION VA 22039 2 08/09/02 00 0434479101 03 10/01/02 0 259870 O 09/01/32 0 7980905 E45/G02 F 124,800.00 ZZ 360 124,800.00 1 6.625 799.11 80 6.375 799.11 SOCIAL CIRCLE GA 30025 2 08/07/02 00 0434478913 05 10/01/02 0 267404 O 09/01/32 0 7980933 806/G02 F 150,700.00 ZZ 360 150,700.00 1 7.125 1,015.30 80 6.875 1,015.30 N LAS VEGAS NV 89032 1 08/06/02 00 0434509790 03 10/01/02 0 1140009278 O 09/01/32 0 7981215 E22/G02 F 122,500.00 ZZ 360 122,500.00 3 6.875 804.74 73 6.625 804.74 PROVIDENCE RI 02908 2 08/20/02 00 0414277558 05 10/01/02 0 0414277558 O 09/01/32 0 7981221 E22/G02 F 67,400.00 ZZ 360 67,400.00 1 7.750 482.86 95 7.500 482.86 NILES MI 49120 5 08/21/02 04 0414333476 05 10/01/02 30 0414333476 O 09/01/32 0 7981251 E22/G02 F 55,800.00 ZZ 360 55,800.00 1 7.000 371.24 90 6.750 371.24 1 FT PIERCE FL 34950 2 08/21/02 04 0414436519 09 10/01/02 25 0414436519 O 09/01/32 0 7981261 E22/G02 F 328,000.00 ZZ 360 328,000.00 1 6.750 2,127.40 80 6.500 2,127.40 ESTES PARK CO 80517 5 08/21/02 00 0414473694 05 10/01/02 0 0414473694 O 09/01/32 0 7981275 E22/G02 F 103,660.00 ZZ 360 103,660.00 1 6.375 646.70 89 6.125 646.70 ARNOLD MO 63010 5 08/21/02 04 0414497636 05 10/01/02 25 0414497636 O 09/01/32 0 7981281 E22/G02 F 199,960.00 ZZ 360 199,960.00 1 6.500 1,263.88 80 6.250 1,263.88 OLYMPIA WA 98501 1 08/20/02 00 0414512087 05 10/01/02 0 0414512087 O 09/01/32 0 7981359 E22/G02 F 100,800.00 ZZ 360 100,800.00 1 6.750 653.79 90 6.500 653.79 ARNOLD NE 69120 1 08/26/02 01 0414598441 05 10/01/02 25 0414598441 O 09/01/32 0 7981449 E22/G02 F 84,000.00 ZZ 240 84,000.00 1 6.875 644.96 65 6.625 644.96 ELKRIDGE MD 21075 5 08/21/02 00 0414666834 01 10/01/02 0 0414666834 O 09/01/22 0 1 7981457 E22/G02 F 70,200.00 ZZ 360 70,200.00 1 6.875 461.16 90 6.625 461.16 FOREST PARK GA 30297 1 08/26/02 01 0414673632 05 10/01/02 25 0414673632 N 09/01/32 0 7981461 E22/G02 F 48,150.00 ZZ 360 48,150.00 1 7.500 336.67 90 7.250 336.67 INDEPENDENCE MO 64053 1 08/26/02 01 0414676866 05 10/01/02 25 0414676866 N 09/01/32 0 7981471 E22/G02 F 317,000.00 ZZ 360 317,000.00 1 6.625 2,029.79 84 6.375 2,029.79 ANTIOCH CA 94509 5 08/15/02 04 0414690339 05 10/01/02 12 0414690339 O 09/01/32 0 7981479 E22/G02 F 82,000.00 ZZ 360 82,000.00 1 7.250 559.38 63 7.000 559.38 PORT CHARLOTTE FL 33981 5 08/20/02 00 0414698084 05 10/01/02 0 0414698084 O 09/01/32 0 7981481 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.750 363.21 78 6.500 363.21 PASCAGOULA MS 39581 2 08/20/02 00 0414698134 05 10/01/02 0 0414698134 O 09/01/32 0 7981503 E22/G02 F 122,550.00 ZZ 360 122,550.00 1 1 6.750 794.86 95 6.500 794.86 SEVIERVILLE TN 37876 1 08/26/02 01 0414708446 05 10/01/02 35 0414708446 O 09/01/32 0 7981531 E22/G02 F 103,500.00 ZZ 360 103,500.00 1 6.375 645.71 90 6.125 645.71 MOLINE IL 61265 5 08/20/02 11 0414729020 05 10/01/02 25 0414729020 O 09/01/32 0 7981685 E82/G02 F 71,200.00 ZZ 360 71,200.00 2 7.500 497.84 80 7.250 497.84 BROOKLYN HEIGHT OH 44109 1 08/28/02 00 0400643472 05 10/01/02 0 3226996 N 09/01/32 0 7981873 E45/G02 F 560,000.00 ZZ 360 560,000.00 1 6.625 3,585.74 80 6.375 3,585.74 YORBA LINDA CA 92886 5 08/01/02 00 0434479168 05 10/01/02 0 263505 O 09/01/32 0 7981971 E22/G02 F 300,700.00 ZZ 360 300,700.00 1 7.000 2,000.56 61 6.750 2,000.56 HAYWARD CA 94544 5 08/09/02 00 0414466789 05 10/01/02 0 0414466789 O 09/01/32 0 7981993 E22/G02 F 74,800.00 ZZ 360 74,800.00 1 7.000 497.65 80 6.750 497.65 KANNAPOLIS NC 28083 5 08/16/02 00 0414524140 05 10/01/02 0 1 0414524140 O 09/01/32 0 7982017 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 6.750 1,816.07 80 6.500 1,816.07 SOUTH WEBER UT 84405 5 08/15/02 00 0414550855 05 10/01/02 0 0414550855 O 09/01/32 0 7982133 E22/G02 F 86,450.00 ZZ 360 86,450.00 1 7.625 611.89 95 7.375 611.89 ARNOLD MO 63010 1 08/21/02 04 0414644971 05 10/01/02 35 0414644971 O 09/01/32 0 7982277 E22/G02 F 54,123.00 ZZ 360 54,123.00 1 7.500 378.44 80 7.250 378.44 HIALEAH FL 33012 1 08/21/02 00 0414378414 01 10/01/02 0 0414378414 N 09/01/32 0 7982375 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.875 1,182.47 80 6.625 1,182.47 CARLSBAD CA 92009 1 08/18/02 00 0414653261 01 10/01/02 0 0414653261 O 09/01/32 0 7982391 E22/G02 F 38,000.00 ZZ 360 38,000.00 1 7.500 265.70 80 7.250 265.70 MEXICO MO 65265 1 08/22/02 00 0414680926 05 10/01/02 0 0414680926 O 09/01/32 0 1 7982415 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 7.375 414.41 80 7.125 414.41 NEWPORT NEWS VA 23607 1 08/21/02 00 0414714956 05 10/01/02 0 0414714956 N 09/01/32 0 7983097 W68/G02 F 160,000.00 ZZ 360 160,000.00 1 7.500 1,118.74 80 7.250 1,118.74 AUSTIN TX 78745 5 08/12/02 00 0434519963 05 10/01/02 0 27888 O 09/01/32 0 7983255 369/G02 F 432,000.00 ZZ 360 432,000.00 1 7.500 3,020.61 80 7.250 3,020.61 FAIR OAKS RANCH TX 78015 1 08/02/02 00 0434482956 05 10/01/02 0 22976533 O 09/01/32 0 7983291 477/G02 F 107,050.00 ZZ 360 107,050.00 1 7.000 712.21 80 6.750 712.21 PHOENIX AZ 85082 1 08/08/02 00 0434496725 05 10/01/02 0 237986 O 09/01/32 0 7983425 967/G02 F 203,000.00 ZZ 360 203,000.00 1 7.000 1,350.56 87 6.750 1,350.56 SUN VALLEY ID 83353 1 08/16/02 04 0434499133 01 10/01/02 25 5591185 O 09/01/32 0 7983493 944/G02 F 107,000.00 ZZ 360 107,000.00 1 6.500 676.32 57 6.250 676.32 1 RANCHO CUCAMONG CA 91701 1 08/19/02 00 0434470373 05 10/01/02 0 W02025762 O 09/01/32 0 7983775 738/G02 F 75,000.00 ZZ 360 75,000.00 1 7.000 498.98 49 6.750 498.98 VIRGINIA BEACH VA 23464 5 08/16/02 00 0434471553 05 10/01/02 0 40540948 O 09/01/32 0 7984151 Q14/G02 F 100,000.00 ZZ 240 100,000.00 1 6.375 738.23 76 6.125 738.23 LEES SUMMIT MO 64081 5 08/14/02 00 0434478483 05 10/01/02 0 0208054 O 09/01/22 0 7984155 950/G02 F 181,700.00 ZZ 360 181,700.00 1 7.000 1,208.85 79 6.750 1,208.85 KENMORE WA 98028 2 08/14/02 00 0434493227 05 10/01/02 0 EW207187 N 09/01/32 0 7984181 742/G02 F 120,450.00 ZZ 360 120,450.00 1 6.875 791.27 90 6.625 791.27 SPARKS NV 89436 1 08/19/02 11 0434505780 05 10/01/02 25 5606819 N 09/01/32 0 7984373 S27/G02 F 50,250.00 ZZ 360 50,250.00 1 7.250 342.80 56 7.000 342.80 CAPE CORAL FL 33909 5 08/21/02 00 0434505731 05 10/01/02 0 1190000430 N 09/01/32 0 1 7984405 W40/G02 F 53,200.00 ZZ 360 53,200.00 1 7.625 376.55 80 7.375 376.55 PHOENIX AZ 85014 1 08/21/02 00 0434524161 01 10/01/02 0 100010199 N 09/01/32 0 7984469 W17/G02 F 103,500.00 ZZ 360 103,500.00 1 7.750 741.49 90 7.500 741.49 MARGATE FL 33063 1 08/22/02 02 0434509220 09 10/01/02 30 020134 O 09/01/32 0 7984481 E47/G02 F 245,000.00 ZZ 360 245,000.00 1 6.625 1,568.76 65 6.375 1,568.76 SAN JOSE CA 95110 5 08/12/02 00 0434493391 05 10/01/02 0 7359511404 O 09/01/32 0 7984497 X72/G02 F 100,000.00 ZZ 360 100,000.00 1 7.125 673.72 80 6.875 673.72 FORT COLLINS CO 80525 1 08/20/02 00 0434495610 01 10/01/02 0 11001027 N 09/01/32 0 7984523 477/G02 F 210,000.00 ZZ 360 210,000.00 1 6.625 1,344.65 56 6.375 1,344.65 CHINO CA 91710 1 08/14/02 00 0434496535 05 10/01/02 0 205144 O 09/01/32 0 7984583 W93/G02 F 161,800.00 ZZ 360 161,800.00 1 1 6.875 1,062.91 80 6.625 1,062.91 MERIDIAN ID 83642 1 08/12/02 00 0434478640 03 10/01/02 0 60400287 O 09/01/32 0 7984829 U42/G02 F 200,000.00 ZZ 360 200,000.00 1 6.875 1,313.86 80 6.625 1,313.86 AUSTIN TX 78748 5 08/22/02 00 0434493144 03 10/01/02 0 10201283 O 09/01/32 0 7985323 E82/G02 F 115,500.00 ZZ 360 115,500.00 4 7.000 768.42 73 6.750 768.42 LAKE WORTH FL 33460 2 08/28/02 00 0400654810 05 10/01/02 0 5363189 N 09/01/32 0 7985451 E22/G02 F 138,600.00 ZZ 360 138,600.00 4 7.250 945.50 90 7.000 945.50 ALBUQUERQUE NM 87123 1 08/27/02 04 0414086280 05 10/01/02 25 0414086280 N 09/01/32 0 7985461 E22/G02 F 105,000.00 T 360 105,000.00 1 6.875 689.78 76 6.625 689.78 MALTA ID 83342 5 08/16/02 00 0414340125 05 10/01/02 0 0414340125 O 09/01/32 0 7985509 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.875 472.99 80 6.625 472.99 OKLAHOMA CITY OK 73159 5 08/22/02 00 0414512947 05 10/01/02 0 1 0414512947 O 09/01/32 0 7985541 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.750 1,712.30 80 6.500 1,712.30 MARLBOROUGH MA 01752 5 08/20/02 00 0414573055 05 10/01/02 0 0414573055 O 09/01/32 0 7985607 E22/G02 F 227,000.00 ZZ 360 227,000.00 1 6.500 1,434.79 47 6.250 1,434.79 SAN FRANCISCO CA 94134 5 08/09/02 00 0414657833 07 10/01/02 0 0414657833 O 09/01/32 0 7985695 E22/G02 F 71,100.00 ZZ 360 71,100.00 2 7.875 515.52 90 7.625 515.52 PLYMOUTH VT 05056 1 08/27/02 04 0414765412 05 10/01/02 25 0414765412 N 09/01/32 0 7985697 E22/G02 F 300,700.00 ZZ 360 300,700.00 2 7.250 2,051.30 39 7.000 2,051.30 PALISADES PARK NJ 07022 2 08/27/02 00 0414770115 05 10/01/02 0 0414770115 N 09/01/32 0 7985713 E22/G02 F 337,500.00 ZZ 360 337,500.00 1 6.875 2,217.13 90 6.625 2,217.13 TROY MI 48098 1 08/27/02 11 0414838441 05 10/01/02 25 0414838441 O 09/01/32 0 1 7986021 N74/G02 F 60,000.00 ZZ 240 59,881.28 1 6.750 456.22 62 6.500 456.22 ASHEVILLE NC 28806 5 08/23/02 00 0434513305 05 09/28/02 0 0030607010 O 08/28/22 0 7986287 N74/G02 F 99,000.00 ZZ 240 99,000.00 1 6.625 745.42 90 6.375 745.42 REIDSVILLE NC 27320 5 08/22/02 10 0434505905 05 10/01/02 25 0030617010 O 09/01/22 0 7986297 F25/G02 F 391,600.00 ZZ 360 391,600.00 1 7.500 2,738.12 80 7.250 2,738.12 BREWSTER NY 10509 1 08/28/02 00 0434498846 05 10/01/02 0 597283 O 09/01/32 0 7986425 N74/G02 F 135,200.00 ZZ 360 135,200.00 1 6.500 854.56 80 6.250 854.56 HIGH POINT NC 27265 2 08/23/02 00 0434505996 05 10/01/02 0 0030625011 O 09/01/32 0 7986455 737/G02 F 85,500.00 ZZ 360 85,500.00 4 7.875 619.93 95 7.625 619.93 EL PASO TX 79901 1 08/12/02 12 0434509733 05 10/01/02 30 2078039 O 09/01/32 0 7986475 G51/G02 F 324,177.00 ZZ 360 324,177.00 1 6.625 2,075.75 85 6.375 2,075.75 1 CASTLE ROCK CO 80109 2 08/26/02 11 0434496584 03 10/01/02 25 161181 O 09/01/32 0 7986541 Q51/G02 F 440,000.00 ZZ 360 440,000.00 2 7.500 3,076.54 75 7.250 3,076.54 WEST HOLLYWOOD CA 90069 5 08/15/02 00 0434499117 05 10/01/02 0 0599968R20801A2 O 09/01/32 0 7986601 M29/G02 F 485,000.00 ZZ 360 485,000.00 1 6.625 3,105.51 79 6.375 3,105.51 LITTLETON CO 80122 2 08/19/02 00 0434532628 03 10/01/02 0 0207340CB O 09/01/32 0 7986729 975/G02 F 344,000.00 ZZ 360 344,000.00 1 6.750 2,231.18 80 6.500 2,231.18 TORRANCE CA 90503 1 08/16/02 00 0434492583 01 10/01/02 0 2023072 O 09/01/32 0 7986859 U28/G02 F 111,600.00 ZZ 360 111,600.00 4 7.625 789.90 80 7.375 789.90 DURHAM NC 27707 1 08/23/02 00 0434493086 05 10/01/02 0 2000003795 N 09/01/32 0 7987051 E11/G02 F 484,000.00 ZZ 360 484,000.00 1 6.625 3,099.11 80 6.375 3,099.11 APPLE VALLEY MN 55124 5 08/15/02 00 0434538153 05 10/01/02 0 0004001046296 O 09/01/32 0 1 7987541 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 6.625 1,306.23 80 6.375 1,306.23 PROVIDENCE RI 02903 5 08/23/02 00 0414314823 01 10/01/02 0 0414314823 O 09/01/32 0 7987565 E22/G02 F 248,000.00 ZZ 360 248,000.00 1 7.125 1,670.82 80 6.875 1,670.82 SAN DIEGO CA 92126 5 08/22/02 00 0414477042 05 10/01/02 0 0414477042 O 09/01/32 0 7987631 E22/G02 F 143,500.00 ZZ 360 143,500.00 1 6.625 918.85 74 6.375 918.85 WHITTIER AREA CA 90605 5 08/14/02 00 0414571463 05 10/01/02 0 0414571463 N 09/01/32 0 7987637 E22/G02 F 117,900.00 ZZ 360 117,900.00 1 7.750 844.65 90 7.500 844.65 DENNIS MA 02660 5 08/23/02 01 0414573147 01 10/01/02 25 0414573147 O 09/01/32 0 7987743 E22/G02 F 47,610.00 ZZ 360 47,610.00 1 7.375 328.83 90 7.125 328.83 BIRMINGHAM AL 35206 1 08/28/02 01 0414649319 05 10/01/02 25 0414649319 N 09/01/32 0 7987757 E22/G02 F 562,500.00 ZZ 360 562,500.00 1 1 7.375 3,885.05 75 7.125 3,885.05 SPRING TX 77380 5 08/23/02 00 0414655555 03 10/01/02 0 0414655555 O 09/01/32 0 7987793 E22/G02 F 121,600.00 ZZ 360 121,600.00 1 6.750 788.70 80 6.500 788.70 SPRING TX 77380 5 08/23/02 00 0414675710 03 10/01/02 0 0414675710 O 09/01/32 0 7987797 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 7.500 615.31 78 7.250 615.31 WASHINGTON DC 20019 5 08/23/02 00 0414683748 07 10/01/02 0 0414683748 O 09/01/32 0 7987801 E22/G02 F 78,750.00 ZZ 360 78,750.00 1 7.625 557.39 92 7.375 557.39 KENNER LA 70065 1 08/28/02 01 0414685966 05 10/01/02 30 0414685966 O 09/01/32 0 7987817 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 7.750 1,225.06 95 7.500 1,225.06 NEW MARKET AL 35761 5 08/23/02 01 0414695007 05 10/01/02 30 0414695007 O 09/01/32 0 7987855 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 7.500 811.09 80 7.250 811.09 BOCA RATON FL 33428 1 08/27/02 00 0414743252 03 10/01/02 0 1 0414743252 N 09/01/32 0 7987889 E22/G02 F 195,650.00 ZZ 360 195,650.00 1 7.125 1,318.13 65 6.875 1,318.13 MANSFIELD MA 02048 5 08/23/02 00 0414780536 05 10/01/02 0 0414780536 O 09/01/32 0 7987907 E22/G02 F 456,000.00 ZZ 360 456,000.00 1 6.250 2,807.67 80 6.000 2,807.67 HAYWARD CA 94544 5 08/16/02 00 0414799205 03 10/01/02 0 0414799205 O 09/01/32 0 7988223 E82/G02 F 222,000.00 ZZ 360 222,000.00 1 7.250 1,514.43 70 7.000 1,514.43 LONG BEACH CA 90815 5 08/26/02 00 0400678405 05 10/01/02 0 0400678405 O 09/01/32 0 7988225 E82/G02 F 71,400.00 ZZ 360 71,400.00 1 7.625 505.36 85 7.375 505.36 GRETNA LA 70053 5 08/23/02 10 0400661195 05 10/01/02 12 0400661195 O 09/01/32 0 7988231 E82/G02 F 293,300.00 ZZ 360 293,300.00 1 6.875 1,926.77 80 6.625 1,926.77 SIMI VALLEY CA 93065 2 08/22/02 00 0400671350 03 10/01/02 0 4851325 O 09/01/32 0 1 7988307 E82/G02 F 128,600.00 ZZ 360 128,600.00 1 6.500 812.84 60 6.250 812.84 CENTREVILLE VA 20121 2 08/26/02 00 0400672978 09 10/01/02 0 0400672978 O 09/01/32 0 7988317 E82/G02 F 159,300.00 ZZ 360 159,300.00 1 6.625 1,020.02 62 6.375 1,020.02 NORTH KINGSTOWN RI 02852 2 08/26/02 00 0400673141 05 10/01/02 0 1988428 O 09/01/32 0 7988377 E82/G02 F 189,500.00 ZZ 360 189,500.00 1 6.375 1,182.23 56 6.125 1,182.23 HUNTINGTON BEAC CA 92649 2 08/23/02 00 0400667333 05 10/01/02 0 1709929 O 09/01/32 0 7988381 E82/G02 F 194,400.00 ZZ 360 194,400.00 1 6.875 1,277.07 55 6.625 1,277.07 ROSLYN HEIGHTS NY 11577 2 08/26/02 00 0400660999 05 10/01/02 0 1654741 O 09/01/32 0 7988397 E82/G02 F 90,000.00 ZZ 360 90,000.00 1 6.750 583.74 45 6.500 583.74 ALEXANDRIA VA 22301 5 08/26/02 00 0400679007 05 10/01/02 0 0400679007 O 09/01/32 0 7988419 E82/G02 F 452,800.00 ZZ 360 452,800.00 1 6.875 2,974.57 80 6.625 2,974.57 1 EDEN PRAIRIE MN 55347 5 08/23/02 00 0400671046 05 10/01/02 0 0400671046 O 09/01/32 0 7988575 F60/G02 F 165,900.00 ZZ 360 165,900.00 4 7.250 1,131.73 79 7.000 1,131.73 JEFFERSON LA 70121 2 08/20/02 00 0434498457 05 10/01/02 0 ROBBINS447374 N 09/01/32 0 7988621 U42/G02 F 336,000.00 ZZ 360 336,000.00 1 6.625 2,151.44 80 6.375 2,151.44 GEORGETOWN TX 78628 5 08/21/02 00 0434495412 05 10/01/02 0 10201317 O 09/01/32 0 7989051 998/998 F 324,500.00 ZZ 360 324,089.61 1 7.125 2,186.22 80 6.875 2,186.22 MANORVILLE NY 11949 1 07/31/02 00 2814125 05 09/01/02 0 2814125 O 08/01/32 0 7989053 998/998 F 315,000.00 ZZ 360 313,203.07 1 6.500 1,991.02 63 6.250 1,991.02 ZIONSVILLE PA 18092 2 06/21/02 00 5164949 05 08/01/02 0 5164949 O 07/01/32 0 7989615 998/998 F 382,500.00 ZZ 360 382,208.94 4 7.375 2,641.84 90 7.125 2,641.84 BROOKLYN NY 11237 1 07/11/02 12 4900030 05 09/01/02 25 4900030 O 08/01/32 0 1 7989617 998/998 F 150,000.00 ZZ 360 149,885.86 1 7.375 1,036.01 32 7.125 1,036.01 FRANKFORT IL 60423 5 07/24/02 00 5007697 05 09/01/02 0 5007697 O 08/01/32 0 7989619 998/998 F 212,000.00 ZZ 360 211,826.22 1 7.000 1,410.45 80 6.750 1,410.45 HOLLIS NY 11423 5 07/31/02 00 5015127 05 09/01/02 0 5015127 O 08/01/32 0 7989621 998/998 F 365,700.00 ZZ 360 365,421.73 1 7.375 2,525.80 77 7.125 2,525.80 SHOREHAM NY 11786 5 07/23/02 00 5015932 05 09/01/02 0 5015932 O 08/01/32 0 7989623 998/998 F 359,910.00 T 360 359,642.90 1 7.500 2,516.54 90 7.250 2,516.54 AUSTIN TX 78732 1 07/15/02 10 5022240 05 09/01/02 25 5022240 O 08/01/32 0 7989625 998/998 F 534,000.00 ZZ 360 533,593.66 1 7.375 3,688.21 60 7.125 3,688.21 HOLLAND MI 49424 2 07/12/02 00 5029847 05 09/01/02 0 5029847 O 08/01/32 0 7989627 998/998 F 346,500.00 ZZ 360 346,242.85 3 1 7.500 2,422.78 90 7.250 2,422.78 BROOKLYN NY 11206 1 07/15/02 12 5100273 05 09/01/02 25 5100273 O 08/01/32 0 7989629 998/998 F 420,000.00 ZZ 360 419,647.14 1 6.875 2,759.11 80 6.625 2,759.11 KIEL WI 53042 2 07/15/02 00 5111038 05 09/01/02 0 5111038 O 08/01/32 0 7989631 998/998 F 153,000.00 ZZ 360 152,886.45 4 7.500 1,069.80 83 7.250 1,069.80 PHILADELPHIA PA 19146 1 07/26/02 11 5176697 05 09/01/02 25 5176697 N 08/01/32 0 7989635 883/G02 F 180,500.00 ZZ 360 180,500.00 1 6.750 1,170.72 72 6.500 1,170.72 CAPE CORAL FL 33990 2 08/22/02 00 0434492716 05 10/01/02 0 05013501 O 09/01/32 0 7989739 W40/G02 F 136,000.00 ZZ 360 136,000.00 1 7.375 939.32 85 7.125 939.32 WASHINGTON MI 48094 5 08/19/02 01 0434501607 05 10/01/02 12 1017234175 O 09/01/32 0 7990491 W39/G02 F 91,920.00 ZZ 360 91,920.00 1 7.125 619.29 80 6.875 619.29 THE COLONY TX 75056 1 08/20/02 00 0434497467 05 10/01/02 0 1 PN121541 O 09/01/32 0 7990587 K79/G02 F 227,250.00 ZZ 360 227,250.00 4 7.750 1,628.05 90 7.500 1,628.05 LAWRENCE MA 01843 1 08/28/02 01 0434494522 05 10/01/02 25 15097KEEFE N 09/01/32 0 7991065 975/G02 F 396,000.00 ZZ 360 396,000.00 1 6.625 2,535.63 80 6.375 2,535.63 TORRANCE CA 90503 1 08/21/02 00 0434502761 01 10/01/02 0 2023123 O 09/01/32 0 7991451 E23/G02 F 354,000.00 ZZ 360 354,000.00 1 6.750 2,296.04 77 6.500 2,296.04 SALINAS CA 93907 5 08/19/02 00 0434497749 05 10/01/02 0 11012894 O 09/01/32 0 7991749 X51/G02 F 220,000.00 ZZ 240 220,000.00 1 6.375 1,624.11 80 6.125 1,624.11 BOCA RATON FL 33486 5 08/18/02 00 0434499893 05 10/01/02 0 R2053356 O 09/01/22 0 7992171 X51/G02 F 289,000.00 ZZ 360 289,000.00 1 6.750 1,874.45 85 6.500 1,874.45 DENVER CO 80211 5 08/15/02 10 0434501961 05 10/01/02 12 R2053579 O 09/01/32 0 1 7992371 W39/G02 F 83,830.00 ZZ 360 83,830.00 1 7.000 557.72 84 6.750 557.72 MADISONVILLE LA 70447 2 08/19/02 01 0434493961 05 10/01/02 12 MH020748 O 09/01/32 0 7992417 N74/G02 F 75,500.00 ZZ 240 75,500.00 1 6.875 579.70 63 6.625 579.70 HUGHES SPRINGS TX 75656 5 08/22/02 00 0434545653 05 10/01/02 0 5572339 O 09/01/22 0 7992421 N74/G02 F 31,000.00 ZZ 360 30,975.82 1 7.250 211.47 69 7.000 211.47 MARTINSVILLE VA 24112 1 08/26/02 00 0434524039 27 09/26/02 0 5347942 O 08/26/32 0 7993161 E22/G02 F 86,275.00 ZZ 360 86,275.00 1 7.250 588.55 72 7.000 588.55 LAKE WORTH FL 33467 2 08/29/02 00 0414306274 03 10/01/02 0 0414306274 N 09/01/32 0 7993173 E22/G02 F 313,000.00 ZZ 360 313,000.00 1 7.500 2,188.54 95 7.250 2,188.54 VIENNA VA 22180 1 08/27/02 01 0414423970 05 10/01/02 35 0414423970 O 09/01/32 0 7993193 E22/G02 F 182,300.00 T 360 182,300.00 1 6.750 1,182.39 90 6.500 1,182.39 1 CHICAGO IL 60608 1 08/29/02 01 0414512103 08 10/01/02 25 0414512103 O 09/01/32 0 7993263 E22/G02 F 140,310.00 ZZ 360 140,310.00 1 6.875 921.74 90 6.625 921.74 WELLINGTON FL 33414 1 08/29/02 04 0414645507 03 10/01/02 30 0414645507 O 09/01/32 0 7993295 E22/G02 F 117,000.00 ZZ 360 117,000.00 1 6.500 739.52 90 6.250 739.52 PEMBROKE PINES FL 33026 5 08/19/02 04 0414673392 09 10/01/02 25 0414673392 O 09/01/32 0 7993305 E22/G02 F 192,000.00 ZZ 360 192,000.00 2 7.000 1,277.38 80 6.750 1,277.38 LONGMONT CO 80501 1 08/29/02 00 0414681502 05 10/01/02 0 0414681502 N 09/01/32 0 7993313 E22/G02 F 161,600.00 ZZ 360 161,600.00 1 6.750 1,048.13 80 6.500 1,048.13 CALEDONIA MI 49316 1 08/29/02 00 0414697128 29 10/01/02 0 0414697128 O 09/01/32 0 7993325 E22/G02 F 52,900.00 ZZ 360 52,900.00 1 7.375 365.37 84 7.125 365.37 SAINT PETERSBUR FL 33714 2 08/29/02 04 0414710350 05 10/01/02 20 0414710350 N 09/01/32 0 1 7993351 E22/G02 F 388,000.00 ZZ 360 388,000.00 1 6.750 2,516.56 80 6.500 2,516.56 CAMARILLO CA 93010 1 08/22/02 00 0414741520 29 10/01/02 0 0414741520 O 09/01/32 0 7993365 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.750 1,050.73 70 6.500 1,050.73 MARIETTA GA 30066 2 08/22/02 00 0414751982 03 10/01/02 0 0414751982 O 09/01/32 0 7993371 E22/G02 F 163,000.00 ZZ 360 163,000.00 2 6.875 1,070.79 80 6.625 1,070.79 OLATHE KS 66062 2 08/29/02 00 0414755983 05 10/01/02 0 0414755983 N 09/01/32 0 7993395 E22/G02 F 66,000.00 ZZ 360 66,000.00 1 7.750 472.83 74 7.500 472.83 SOUTH BEND IN 46635 2 08/29/02 00 0414789180 05 10/01/02 0 0414789180 N 09/01/32 0 7993535 S11/G02 F 204,000.00 ZZ 360 204,000.00 3 7.375 1,408.98 80 7.125 1,408.98 LONG BEACH CA 90805 1 08/21/02 00 0434493920 05 10/01/02 0 10320281 N 09/01/32 0 7993575 P09/G02 F 153,500.00 ZZ 360 153,500.00 1 1 6.750 995.60 86 6.500 995.60 WOODBRIDGE VA 22193 2 08/26/02 10 0434496303 05 10/01/02 25 R0207738 O 09/01/32 0 7993617 G34/G02 F 195,900.00 ZZ 360 195,900.00 1 6.625 1,254.37 74 6.375 1,254.37 ELK GROVE CA 95758 1 08/09/02 00 0434499786 05 10/01/02 0 48200336 O 09/01/32 0 7993661 420/G02 F 220,000.00 ZZ 360 220,000.00 1 6.750 1,426.92 66 6.500 1,426.92 SANTA ROSA CA 95401 5 08/14/02 00 0434490884 05 10/01/02 0 72002692 O 09/01/32 0 7993691 K15/G02 F 129,600.00 ZZ 360 129,600.00 1 7.625 917.30 90 7.375 917.30 EAGLE POINT OR 97524 5 08/21/02 11 0434499232 05 10/01/02 25 207205502306 O 09/01/32 0 7993731 K15/G02 F 191,000.00 ZZ 360 191,000.00 1 6.500 1,207.25 85 6.250 1,207.25 BRENTWOOD NY 11717 5 08/22/02 11 0434499356 05 10/01/02 12 020605300011 O 09/01/32 0 7993747 E57/G02 F 160,500.00 ZZ 360 160,500.00 1 6.625 1,027.70 69 6.375 1,027.70 HELENDALE AREA CA 92342 2 08/15/02 00 0434514428 03 10/01/02 0 1 06009025 O 09/01/32 0 7993751 K15/G02 F 156,000.00 ZZ 360 156,000.00 1 6.375 973.24 80 6.125 973.24 HAM LAKE MN 55304 5 08/23/02 00 0434499281 05 10/01/02 0 013205306338 O 09/01/32 0 7994171 X82/G02 F 329,600.00 ZZ 360 329,600.00 1 7.375 2,276.47 80 7.125 2,276.47 ASHBURN VA 20147 1 08/16/02 00 0434508008 03 10/01/02 0 835122 O 09/01/32 0 7994197 144/144 F 137,600.00 ZZ 360 137,600.00 1 6.875 903.93 57 6.625 903.93 WARWICK NY 10990 5 08/13/02 00 160695148 05 10/01/02 0 160695148 O 09/01/32 0 7994241 K79/G02 F 234,800.00 ZZ 360 234,800.00 1 6.750 1,522.91 80 6.500 1,522.91 STOUGHTON MA 02072 1 08/30/02 00 0434530846 05 10/01/02 0 14961 O 09/01/32 0 7994245 E57/G02 F 154,000.00 ZZ 360 154,000.00 1 6.625 986.08 63 6.375 986.08 OAKHURST CA 93644 2 08/21/02 00 0434503488 05 10/01/02 0 13002795 N 09/01/32 0 1 7994251 S11/G02 F 416,000.00 ZZ 360 416,000.00 1 6.625 2,663.69 80 6.375 2,663.69 LADERA RANCH AR CA 92694 1 08/20/02 00 0434536041 03 10/01/02 0 10320077 O 09/01/32 0 7994387 944/G02 F 212,100.00 ZZ 360 212,100.00 1 7.250 1,446.90 80 7.000 1,446.90 CHICAGO IL 60610 2 08/23/02 00 0434501144 01 10/01/02 0 W02028018 N 09/01/32 0 7994419 944/G02 F 191,500.00 ZZ 360 191,500.00 1 7.250 1,306.37 76 7.000 1,306.37 CHICAGO IL 60610 2 08/23/02 00 0434501177 01 10/01/02 0 W02028019 N 09/01/32 0 7994545 W35/G02 F 195,000.00 ZZ 360 195,000.00 1 6.250 1,200.65 80 6.000 1,200.65 FALMOUTH ME 04105 5 08/09/02 00 0434502316 05 10/01/02 0 13374 O 09/01/32 0 7994579 W35/G02 F 176,000.00 ZZ 360 176,000.00 1 6.250 1,083.67 80 6.000 1,083.67 HOLLAND MA 01521 5 08/16/02 00 0434501128 05 10/01/02 0 13382 O 09/01/32 0 7994625 P67/G02 F 385,000.00 ZZ 360 385,000.00 1 6.750 2,497.10 94 6.500 2,497.10 1 WEST ORANGE NJ 07052 1 08/30/02 11 0434507919 05 10/01/02 30 0605280 O 09/01/32 0 7994957 M27/G02 F 218,000.00 ZZ 360 218,000.00 1 6.875 1,432.10 70 6.625 1,432.10 WILLINGTON NC 28405 5 08/20/02 00 0434507307 03 10/01/02 0 0100025034 O 09/01/32 0 7994965 Q87/G02 F 64,000.00 ZZ 360 64,000.00 1 6.625 409.80 80 6.375 409.80 CITRONELLE AL 36522 2 08/27/02 00 0434507505 05 10/01/02 0 COPA04 O 09/01/32 0 7995027 F89/G02 F 396,100.00 ZZ 360 396,100.00 1 6.500 2,503.62 62 6.250 2,503.62 TARZANA AREA (L CA 91356 2 08/21/02 00 0434491577 05 10/01/02 0 22684 O 09/01/32 0 7995033 S43/G02 F 423,200.00 ZZ 360 423,200.00 1 6.625 2,709.80 80 6.375 2,709.80 SANTA FE NM 87505 1 08/28/02 00 0434504098 05 10/01/02 0 021325 O 09/01/32 0 7995119 U05/G02 F 286,000.00 ZZ 360 286,000.00 1 6.875 1,878.82 67 6.625 1,878.82 WORTHINGTON OH 43085 2 08/16/02 00 0434494902 05 10/01/02 0 3247096 O 09/01/32 0 1 7995193 K56/G02 F 195,000.00 ZZ 360 195,000.00 4 6.625 1,248.61 65 6.375 1,248.61 REDMOND OR 97756 5 08/13/02 00 0434535928 05 10/01/02 0 1020586 N 09/01/32 0 7995373 822/G02 F 70,200.00 ZZ 360 70,200.00 4 6.875 461.17 90 6.625 461.17 PHILADELPHIA PA 19124 1 08/22/02 10 0434517116 05 10/01/02 25 3636072277 N 09/01/32 0 7995653 E22/G02 F 133,200.00 ZZ 360 133,200.00 1 6.875 875.03 90 6.625 875.03 STRASBURG VA 22657 1 08/30/02 01 0414199489 05 10/01/02 30 0414199489 O 09/01/32 0 7995729 E22/G02 F 110,700.00 ZZ 360 110,700.00 2 6.875 727.22 90 6.625 727.22 MIAMI FL 33161 5 08/21/02 04 0414491951 05 10/01/02 25 0414491951 O 09/01/32 0 7995747 E22/G02 F 143,450.00 ZZ 360 143,450.00 1 7.875 1,040.11 95 7.625 1,040.11 JACKSON MS 39212 5 08/26/02 01 0414524298 05 10/01/02 30 0414524298 O 09/01/32 0 7995801 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 1 7.250 613.96 56 7.000 613.96 DALLAS TX 75206 5 08/23/02 00 0414576777 05 10/01/02 0 0414576777 O 09/01/32 0 7995821 E22/G02 F 133,200.00 ZZ 360 133,200.00 1 7.000 886.18 90 6.750 886.18 LAKE WORTH FL 33463 1 08/30/02 01 0414588863 03 10/01/02 25 0414588863 O 09/01/32 0 7995855 E22/G02 F 172,000.00 ZZ 360 172,000.00 1 7.000 1,144.32 80 6.750 1,144.32 SAN JOSE CA 95133 1 08/26/02 00 0414619676 01 10/01/02 0 0414619676 O 09/01/32 0 7995889 E22/G02 F 129,000.00 ZZ 360 129,000.00 1 7.250 880.01 95 7.000 880.01 CEDAR RAPIDS IA 52403 5 08/28/02 04 0414640540 05 10/01/02 30 0414640540 O 09/01/32 0 7995893 E22/G02 F 150,400.00 ZZ 360 150,400.00 1 6.750 975.49 80 6.500 975.49 LITCHFIELD OH 44253 5 08/26/02 00 0414645184 05 10/01/02 0 0414645184 O 09/01/32 0 7995899 E22/G02 F 351,000.00 ZZ 360 351,000.00 1 6.750 2,276.58 90 6.500 2,276.58 CORAL SPRINGS FL 33071 1 08/30/02 04 0414652214 03 10/01/02 25 1 0414652214 O 09/01/32 0 7995907 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 6.750 1,349.08 80 6.500 1,349.08 GLENDORA CA 91740 1 08/28/02 00 0414656975 05 10/01/02 0 0414656975 O 09/01/32 0 7995915 E22/G02 F 71,200.00 ZZ 360 71,200.00 1 6.875 467.73 95 6.625 467.73 WEST MEMPHIS AR 72301 5 08/26/02 01 0414664284 05 10/01/02 30 0414664284 O 09/01/32 0 7995933 E22/G02 F 96,000.00 ZZ 360 96,000.00 1 6.875 630.65 80 6.625 630.65 ELGIN IL 60123 1 09/03/02 00 0414674010 05 10/01/02 0 0414674010 O 09/01/32 0 7995937 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.875 762.04 80 6.625 762.04 ARLINGTON TX 76001 5 08/26/02 00 0414677344 05 10/01/02 0 0414677344 O 09/01/32 0 7995951 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.500 1,744.51 80 6.250 1,744.51 CLACKAMAS OR 97015 1 08/27/02 00 0414683847 03 10/01/02 0 0414683847 O 09/01/32 0 1 7996011 E22/G02 F 344,250.00 ZZ 360 344,250.00 3 7.625 2,436.58 75 7.375 2,436.58 EVERETT MA 02179 1 08/30/02 00 0414722249 05 10/01/02 0 0414722249 N 09/01/32 0 7996013 E22/G02 F 137,200.00 ZZ 360 137,200.00 1 6.875 901.31 80 6.625 901.31 CANTON MI 48188 1 08/30/02 00 0414722603 05 10/01/02 0 0414722603 O 09/01/32 0 7996017 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 7.375 932.41 90 7.125 932.41 AUSTIN TX 78701 1 08/29/02 04 0414723213 06 10/01/02 25 0414723213 N 09/01/32 0 7996095 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 7.750 429.85 80 7.500 429.85 HAMMOND LA 70403 1 08/30/02 00 0414754648 01 10/01/02 0 0414754648 N 09/01/32 0 7996099 E22/G02 F 203,000.00 ZZ 360 203,000.00 1 7.125 1,367.65 80 6.875 1,367.65 ST. CHARLES IL 60174 1 08/30/02 00 0414756353 01 10/01/02 0 0414756353 O 09/01/32 0 7996109 E22/G02 F 250,000.00 ZZ 240 250,000.00 1 7.125 1,957.05 41 6.875 1,957.05 1 GILROY CA 95020 2 08/26/02 00 0414761783 05 10/01/02 0 0414761783 N 09/01/22 0 7996119 E22/G02 F 174,400.00 ZZ 360 174,400.00 1 7.125 1,174.97 80 6.875 1,174.97 PEYTON CO 80831 5 08/26/02 00 0414765826 05 10/01/02 0 0414765826 O 09/01/32 0 7996125 E22/G02 F 292,000.00 ZZ 360 292,000.00 1 7.000 1,942.68 80 6.750 1,942.68 LA (SYLMAR) CA 91342 5 08/25/02 00 0414770495 05 10/01/02 0 0414770495 O 09/01/32 0 7996133 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.625 2,433.18 80 6.375 2,433.18 NAPLES FL 34108 1 08/30/02 00 0414771907 08 10/01/02 0 0414771907 O 09/01/32 0 7996149 E22/G02 F 206,000.00 ZZ 360 206,000.00 1 6.500 1,302.06 74 6.250 1,302.06 BOISE ID 83709 5 08/26/02 00 0414778597 03 10/01/02 0 0414778597 O 09/01/32 0 7996173 E22/G02 F 87,600.00 ZZ 360 87,600.00 1 6.750 568.17 80 6.500 568.17 CARSON CITY NV 89701 1 08/23/02 00 0414789826 27 10/01/02 0 0414789826 O 09/01/32 0 1 7996613 069/G02 F 91,350.00 ZZ 360 91,273.25 1 6.875 600.11 80 6.625 600.11 REDLANDS CA 92373 1 07/25/02 00 0434495776 01 09/01/02 0 21488323969 N 08/01/32 0 7996891 069/G02 F 152,850.00 ZZ 360 152,850.00 1 6.875 1,004.12 32 6.625 1,004.12 CATHEDRAL CITY CA 92234 1 08/06/02 00 0434504650 03 10/01/02 0 20988317979 O 09/01/32 0 7997101 944/G02 F 202,500.00 ZZ 360 202,500.00 1 7.250 1,381.41 80 7.000 1,381.41 CHICAGO IL 60610 2 08/23/02 00 0434493557 06 10/01/02 0 W02028020 N 09/01/32 0 7997139 E86/G02 F 230,000.00 ZZ 360 230,000.00 1 6.875 1,510.94 77 6.625 1,510.94 SAUGERTIES NY 12477 5 08/16/02 00 0434508081 05 10/01/02 0 0000212936 O 09/01/32 0 7997341 E86/G02 F 38,700.00 ZZ 360 38,700.00 2 7.375 267.29 90 7.125 267.29 WILLIAMSPORT PA 17701 1 08/02/02 11 0434498390 05 10/01/02 25 1 O 09/01/32 0 7997431 K15/G02 F 284,000.00 ZZ 360 284,000.00 1 1 7.000 1,889.46 75 6.750 1,889.46 NEW YORK NY 10021 5 08/24/02 00 0434502498 06 10/01/02 0 021205502125 O 09/01/32 0 7997501 N67/G02 F 132,000.00 ZZ 360 132,000.00 1 6.500 834.33 80 6.250 834.33 MESA AZ 85205 1 08/28/02 00 0434510749 05 10/01/02 0 17600026537 O 09/01/32 0 7997583 975/G02 F 300,000.00 ZZ 360 300,000.00 1 6.500 1,896.20 64 6.250 1,896.20 SAN DIEGO CA 92129 1 08/22/02 00 0434497152 05 10/01/02 0 2023075 O 09/01/32 0 7997615 A52/G02 F 86,800.00 ZZ 360 86,800.00 1 7.500 606.92 80 7.250 606.92 RIVERDALE GA 30274 5 08/23/02 00 0434497418 05 10/01/02 0 19890 O 09/01/32 0 7999665 Q14/G02 F 57,000.00 ZZ 300 57,000.00 1 7.000 402.86 75 6.750 402.86 KANSAS CITY MO 64131 2 08/29/02 00 0434499083 05 10/01/02 0 0208673 N 09/01/27 0 7999675 E86/G02 F 220,000.00 ZZ 360 220,000.00 1 7.000 1,463.67 80 6.750 1,463.67 MANASSAS VA 20110 1 08/21/02 00 0434500567 05 10/01/02 0 1 0000192144 O 09/01/32 0 7999685 E86/G02 F 210,000.00 ZZ 360 210,000.00 1 6.875 1,379.55 79 6.625 1,379.55 PLACENTIA CA 92870 1 08/14/02 00 0434500724 09 10/01/02 0 316691 O 09/01/32 0 7999695 E47/G02 F 266,250.00 ZZ 360 266,250.00 4 7.750 1,907.45 75 7.500 1,907.45 CHICAGO IL 60618 5 08/15/02 00 0434506093 05 10/01/02 0 7360513909 O 09/01/32 0 7999745 950/G02 F 97,600.00 T 360 97,600.00 1 6.625 624.94 79 6.375 624.94 KIRKLAND WA 98033 1 08/07/02 00 0434526893 01 10/01/02 0 E6207020 O 09/01/32 0 7999811 A06/G02 F 238,400.00 ZZ 360 238,400.00 1 6.500 1,506.86 80 6.250 1,506.86 BRIGHTON MI 48114 5 08/21/02 00 0434496758 05 10/01/02 0 5000020217525 O 09/01/32 0 7999829 W68/G02 F 130,500.00 ZZ 360 130,500.00 1 7.250 890.24 87 7.000 890.24 ALBUQUERQUE NM 87112 1 08/26/02 12 0434522900 05 10/01/02 25 28735 N 09/01/32 0 1 8000037 W30/G02 F 161,910.00 ZZ 360 161,910.00 3 7.500 1,132.10 90 7.250 1,132.10 WEBSTER MA 01570 1 08/29/02 14 0434513453 05 10/01/02 25 0609892 N 09/01/32 0 8000175 S27/G02 F 68,640.00 ZZ 360 68,640.00 1 7.125 462.45 77 6.875 462.45 PALM COAST FL 32137 1 08/28/02 00 0434525267 03 10/01/02 0 1090000635 N 09/01/32 0 8000335 L20/G02 F 84,000.00 ZZ 360 84,000.00 1 6.875 551.82 80 6.625 551.82 MERIDIAN ID 83642 1 08/19/02 00 0434510277 05 10/01/02 0 707394 N 09/01/32 0 8001121 E22/G02 F 118,800.00 ZZ 360 118,800.00 4 7.500 830.67 90 7.250 830.67 HARVEY LA 70058 1 09/03/02 01 0414513911 05 10/01/02 25 0414513911 N 09/01/32 0 8001173 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 7.875 1,102.11 95 7.625 1,102.11 HIALEAH FL 33018 5 08/28/02 04 0414595751 05 10/01/02 30 0414595751 O 09/01/32 0 8001179 E22/G02 F 94,000.00 ZZ 360 94,000.00 1 7.625 665.33 80 7.375 665.33 1 TUCSON AZ 85710 2 08/22/02 00 0414601435 05 10/01/02 0 0414601435 O 09/01/32 0 8001201 E22/G02 F 101,000.00 ZZ 360 101,000.00 1 6.625 646.71 80 6.375 646.71 CAPE CORAL FL 33914 5 08/28/02 00 0414627174 05 10/01/02 0 0414627174 O 09/01/32 0 8001219 E22/G02 F 484,000.00 ZZ 360 484,000.00 1 6.875 3,179.54 80 6.625 3,179.54 UNION CITY CA 94587 5 08/27/02 00 0414663278 05 10/01/02 0 0414663278 O 09/01/32 0 8001227 E22/G02 F 297,500.00 ZZ 360 297,500.00 1 7.500 2,080.16 85 7.250 2,080.16 BRANSON MO 65616 1 08/09/02 04 0414672568 05 10/01/02 12 0414672568 O 09/01/32 0 8001241 E22/G02 F 367,500.00 ZZ 360 367,500.00 1 6.500 2,322.85 64 6.250 2,322.85 LOVELAND CO 80537 2 08/28/02 00 0414680942 05 10/01/02 0 0414680942 O 09/01/32 0 8001279 E22/G02 F 64,685.00 ZZ 360 64,685.00 1 7.625 457.84 75 7.375 457.84 NORMAN OK 73071 1 08/29/02 00 0414704015 03 10/01/02 0 0414704015 N 09/01/32 0 1 8001297 E22/G02 F 108,300.00 ZZ 360 108,300.00 2 7.125 729.64 70 6.875 729.64 DELRAY BEACH FL 33444 5 08/30/02 00 0414718700 05 10/01/02 0 0414718700 N 09/01/32 0 8001301 E22/G02 F 280,000.00 ZZ 360 280,000.00 1 7.375 1,933.89 70 7.125 1,933.89 BREWSTER NY 10509 5 08/28/02 00 0414719518 05 10/01/02 0 0414719518 O 09/01/32 0 8001349 E22/G02 F 221,000.00 ZZ 360 221,000.00 1 6.750 1,433.40 86 6.500 1,433.40 COLORADO SPRING CO 80922 2 08/28/02 04 0414760538 05 10/01/02 25 0414760538 O 09/01/32 0 8001389 E22/G02 F 144,800.00 ZZ 360 144,800.00 2 7.625 1,024.89 80 7.375 1,024.89 JERSEY CITY NJ 07303 5 08/27/02 00 0414813501 05 10/01/02 0 0414813501 O 09/01/32 0 8001419 E82/G02 F 362,700.00 ZZ 360 362,700.00 1 7.375 2,505.08 90 7.125 2,505.08 TRACY CA 95376 5 08/28/02 04 0400674982 05 10/01/02 25 0400674982 O 09/01/32 0 8001611 L49/G02 F 581,200.00 ZZ 360 581,200.00 1 1 6.250 3,578.55 80 6.000 3,578.55 SAN JOSE CA 95136 2 08/21/02 00 0434488227 03 10/01/02 0 10010943 O 09/01/32 0 8002431 N47/G02 F 264,000.00 ZZ 360 264,000.00 1 6.625 1,690.42 80 6.375 1,690.42 SAN DIEGO CA 92115 1 08/23/02 00 0434509543 05 10/01/02 0 30122502 N 09/01/32 0 8002489 N47/G02 F 230,000.00 ZZ 360 230,000.00 1 6.625 1,472.72 68 6.375 1,472.72 SAN DIEGO CA 92126 1 08/23/02 00 0434518718 05 10/01/02 0 30121998 O 09/01/32 0 8002551 N47/G02 F 473,000.00 ZZ 360 473,000.00 1 6.750 3,067.87 60 6.500 3,067.87 SAN JOSE CA 95121 2 08/21/02 00 0434536405 05 10/01/02 0 20120877 O 09/01/32 0 8002731 P01/G02 F 85,850.00 ZZ 360 85,850.00 2 6.875 563.98 85 6.625 563.98 MECHANICVILLE NY 12118 5 08/23/02 04 0434524328 05 10/01/02 12 02002957 O 09/01/32 0 8002953 E60/G02 F 459,000.00 ZZ 360 459,000.00 1 6.375 2,863.57 71 6.125 2,863.57 ATASCADERO CA 93422 5 08/26/02 00 0434507828 05 10/01/02 0 1 514667 O 09/01/32 0 8003053 950/G02 F 185,200.00 ZZ 360 185,200.00 1 7.250 1,263.39 80 7.000 1,263.39 SACRAMENTO CA 95819 1 08/09/32 00 0434560827 05 10/01/02 0 AA207024 N 09/01/32 0 8003063 A35/A35 F 640,000.00 ZZ 360 640,000.00 1 7.750 4,585.03 80 7.500 4,585.03 MELVILLE NY 11747 5 08/23/02 00 1 05 10/01/02 0 1 O 09/01/32 0 8003713 W08/G02 F 129,000.00 ZZ 360 129,000.00 1 6.875 847.44 95 6.625 847.44 LAKE MARY FL 32746 5 08/30/02 10 0434517660 05 10/01/02 30 021441 O 09/01/32 0 8004573 K15/G02 F 113,000.00 ZZ 360 113,000.00 1 7.750 809.55 95 7.500 809.55 FRESNO CA 93726 5 08/27/02 11 0434504460 05 10/01/02 30 038305502500 O 09/01/32 0 8004611 K15/G02 F 60,100.00 T 360 60,100.00 1 6.625 384.83 80 6.375 384.83 ONAMIA MN 56359 5 08/29/02 00 0434530648 05 10/01/02 0 013205306420 O 09/01/32 0 1 8005033 253/253 F 380,000.00 ZZ 360 380,000.00 1 6.750 2,464.68 76 6.500 2,464.68 LEANDER TX 78641 2 09/01/02 00 973665 03 10/01/02 0 973665 O 09/01/32 0 8005057 A06/G02 F 220,000.00 ZZ 360 220,000.00 1 7.000 1,463.67 66 6.750 1,463.67 PLYMOUTH MI 48170 1 08/30/02 00 0434497186 05 10/01/02 0 1 O 09/01/32 0 8005077 E22/G02 F 609,000.00 ZZ 360 609,000.00 1 6.750 3,949.96 74 6.500 3,949.96 BATHESDA MD 20816 2 08/29/02 00 0414364877 05 10/01/02 0 0414364877 O 09/01/32 0 8005111 E22/G02 F 157,000.00 ZZ 360 157,000.00 1 7.125 1,057.74 89 6.875 1,057.74 CHEYENNE WY 82009 1 09/04/02 01 0414581447 05 10/01/02 25 0414581447 O 09/01/32 0 8005119 E22/G02 F 376,000.00 ZZ 360 376,000.00 1 6.625 2,407.57 80 6.375 2,407.57 THOUSAND OAKS CA 90000 1 08/30/02 00 0414593541 01 10/01/02 0 0414593541 O 09/01/32 0 8005155 E22/G02 F 75,000.00 ZZ 360 75,000.00 1 7.250 511.63 79 7.000 511.63 1 KALISPELL MT 59901 2 09/04/02 00 0414655159 05 10/01/02 0 0414655159 N 09/01/32 0 8005159 E22/G02 F 188,000.00 ZZ 360 188,000.00 1 6.750 1,219.36 80 6.500 1,219.36 SANTA PAULA CA 93060 5 08/29/02 00 0414659862 05 10/01/02 0 0414659862 O 09/01/32 0 8005165 E22/G02 F 135,000.00 ZZ 360 135,000.00 1 7.000 898.16 90 6.750 898.16 BELMONT MI 49306 5 08/29/02 04 0414661371 05 10/01/02 25 0414661371 O 09/01/32 0 8005183 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.875 2,233.56 80 6.625 2,233.56 CEDAR GROVE NJ 07009 5 08/29/02 00 0414693044 05 10/01/02 0 0414693044 O 09/01/32 0 8005187 E22/G02 F 268,000.00 ZZ 360 268,000.00 1 6.875 1,760.57 80 6.625 1,760.57 LAKE ANN MI 49650 5 08/29/02 00 0414697896 05 10/01/02 0 0414697896 O 09/01/32 0 8005213 E22/G02 F 84,000.00 ZZ 360 84,000.00 1 6.500 530.94 80 6.250 530.94 HUNTINGDON TN 38344 5 08/29/02 00 0414714113 05 10/01/02 0 0414714113 O 09/01/32 0 1 8005229 E22/G02 F 225,600.00 ZZ 360 225,600.00 1 7.500 1,577.43 80 7.250 1,577.43 AURORA CO 80014 2 08/29/02 00 0414726984 03 10/01/02 0 0414726984 O 09/01/32 0 8005299 E22/G02 F 76,500.00 ZZ 360 76,500.00 2 7.875 554.68 90 7.625 554.68 NEW ORLEANS LA 70117 1 09/04/02 01 0414820787 05 10/01/02 30 0414820787 N 09/01/32 0 8007057 U42/G02 F 61,240.00 ZZ 360 61,240.00 1 6.875 402.30 80 6.625 402.30 LANCASTER TX 75146 1 08/15/02 00 0434535001 05 10/01/02 0 24200569 O 09/01/32 0 8007093 U42/G02 F 195,500.00 ZZ 360 195,500.00 1 7.125 1,317.12 85 6.875 1,317.12 PLANO TX 75025 1 08/27/02 12 0434535886 03 10/01/02 25 12201875 O 09/01/32 0 8007137 950/G02 F 229,500.00 ZZ 360 229,500.00 1 7.000 1,526.87 90 6.750 1,526.87 EVERETT WA 98208 1 08/06/02 11 0434532321 05 10/01/02 25 EW207200 O 09/01/32 0 8007147 737/G02 F 185,250.00 ZZ 360 185,250.00 1 1 7.250 1,263.73 95 7.000 1,263.73 DUMFRIES VA 22026 5 08/21/02 01 0434531901 09 10/01/02 30 2076811 O 09/01/32 0 8007223 F36/G02 F 240,000.00 ZZ 360 240,000.00 1 7.000 1,596.73 68 6.750 1,596.73 RENTON WA 98058 5 08/27/02 00 0434532222 05 10/01/02 0 06505099 N 09/01/32 0 8007293 K15/G02 F 298,000.00 ZZ 360 298,000.00 1 6.750 1,932.82 71 6.500 1,932.82 CARLE PLACE NY 11514 5 08/27/02 00 0434508784 05 10/01/02 0 021205502538 O 09/01/32 0 8007295 U05/G02 F 260,000.00 ZZ 360 260,000.00 1 6.750 1,686.36 70 6.500 1,686.36 PEMBROKE PINES FL 33027 5 08/21/02 00 0434510756 03 10/01/02 0 3249622 O 09/01/32 0 8007417 642/G02 F 91,909.00 ZZ 360 91,909.00 1 7.250 626.98 70 7.000 626.98 DOLTON IL 60419 5 08/27/02 00 0434517793 05 10/01/02 0 07213902 O 09/01/32 0 8007895 369/G02 F 129,600.00 ZZ 360 129,600.00 1 6.875 851.38 90 6.625 851.38 PEORIA AZ 85382 1 08/08/02 14 0434531620 03 10/01/02 25 1 74268624 O 09/01/32 0 8008095 M24/G02 F 290,000.00 ZZ 360 290,000.00 1 6.875 1,905.09 73 6.625 1,905.09 LA MESA CA 91941 5 08/23/02 00 0434531778 05 10/01/02 0 223104747 O 09/01/32 0 8008479 E11/G02 F 108,000.00 ZZ 360 108,000.00 1 7.125 727.62 80 6.875 727.62 EAGAN MN 55122 1 08/30/02 00 0434534095 09 10/01/02 0 0010001045140 N 09/01/32 0 8009373 E22/G02 F 328,500.00 ZZ 360 328,500.00 3 6.875 2,158.01 61 6.625 2,158.01 HAYWARD CA 94541 5 08/26/02 00 0413844606 05 10/01/02 0 0413844606 O 09/01/32 0 8009387 E22/G02 F 320,000.00 ZZ 360 320,000.00 1 6.875 2,102.17 79 6.625 2,102.17 JACKSON NJ 08527 5 08/30/02 00 0414361071 05 10/01/02 0 0414361071 O 09/01/32 0 8009419 E22/G02 F 217,000.00 ZZ 360 217,000.00 3 7.250 1,480.32 70 7.000 1,480.32 MOUNTLAKE TERRA WA 98043 5 08/29/02 00 0414523530 05 10/01/02 0 0414523530 O 09/01/32 0 1 8009423 E22/G02 F 268,000.00 ZZ 360 268,000.00 1 6.375 1,671.97 80 6.125 1,671.97 LA MESA CA 91942 5 08/24/02 00 0414532325 05 10/01/02 0 0414532325 O 09/01/32 0 8009469 E22/G02 F 320,000.00 ZZ 360 320,000.00 1 6.625 2,049.00 24 6.375 2,049.00 SARATOGA CA 95070 5 08/27/02 00 0414639880 05 10/01/02 0 0414639880 O 09/01/32 0 8009485 E22/G02 F 76,000.00 ZZ 360 76,000.00 1 7.750 544.47 80 7.500 544.47 BOSTON KY 40107 2 08/29/02 00 0414669382 27 10/01/02 0 0414669382 O 09/01/32 0 8009529 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.625 1,664.81 80 6.375 1,664.81 SPRING VALLEY CA 91977 2 08/24/02 00 0414715268 05 10/01/02 0 0414715268 O 09/01/32 0 8009541 E22/G02 F 205,000.00 ZZ 360 205,000.00 1 6.750 1,329.63 94 6.500 1,329.63 RANCHO CORDOVA CA 95670 2 08/27/02 01 0414723890 05 10/01/02 30 0414723890 O 09/01/32 0 8009657 E22/G02 F 124,450.00 ZZ 360 124,450.00 1 7.375 859.55 95 7.125 859.55 1 SUMMERDALE AL 36580 5 08/30/02 04 0414812123 05 10/01/02 30 0414812123 O 09/01/32 0 8009695 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.875 1,051.09 94 6.625 1,051.09 PLAINFIELD IL 60544 5 08/30/02 11 0414848929 05 10/01/02 30 0414848929 O 09/01/32 0 8009977 S43/G02 F 65,700.00 ZZ 360 65,700.00 1 7.375 453.77 90 7.125 453.77 ROSWELL NM 88203 5 08/28/02 04 0434530192 05 10/01/02 25 021210 O 09/01/32 0 8011135 T29/G02 F 118,400.00 ZZ 360 118,400.00 1 6.500 748.37 80 6.250 748.37 LAKESIDE AZ 85929 1 08/26/02 00 0434521647 05 10/01/02 0 1522673 O 09/01/32 0 8011313 U05/G02 F 384,000.00 ZZ 360 384,000.00 1 7.000 2,554.76 80 6.750 2,554.76 LOOMIS CA 95650 2 08/20/02 00 0434532016 05 10/01/02 0 3251402 O 09/01/32 0 8011615 313/G02 F 435,000.00 ZZ 360 435,000.00 1 6.375 2,713.84 80 6.125 2,713.84 GAINESVILLE GA 30506 2 08/12/02 00 0434506499 03 10/01/02 0 8890527 O 09/01/32 0 1 8011631 313/G02 F 150,000.00 ZZ 360 149,888.67 3 7.500 1,048.83 50 7.250 1,048.83 CHICAGO IL 60637 5 07/10/02 00 0434509642 05 09/01/02 0 8798563 N 08/01/32 0 8011633 313/G02 F 146,000.00 ZZ 360 145,880.32 1 7.000 971.35 80 6.750 971.35 BEND OR 97701 2 07/12/02 00 0434507992 05 09/01/02 0 8813586 N 08/01/32 0 8011635 313/G02 F 33,030.00 ZZ 240 32,968.49 1 7.250 261.07 90 7.000 261.07 MEMPHIS TN 38128 1 07/12/02 11 0434510251 05 09/01/02 25 8806820 N 08/01/22 0 8011639 313/G02 F 440,000.00 ZZ 360 439,639.33 1 7.000 2,927.34 80 6.750 2,927.34 CHICAGO IL 60618 5 07/15/02 00 0434508537 05 09/01/02 0 8815144 O 08/01/32 0 8011645 313/G02 F 54,000.00 ZZ 360 53,959.92 1 7.500 377.58 90 7.250 377.58 MARKHAM IL 60426 1 07/16/02 11 0434508602 05 09/01/02 25 8836462 N 08/01/32 0 8011659 313/G02 F 234,000.00 ZZ 360 233,808.19 3 1 7.000 1,556.81 90 6.750 1,556.81 CHICAGO IL 60618 1 07/23/02 11 0434510327 05 09/01/02 30 8849945 O 08/01/32 0 8011661 313/G02 F 146,850.00 ZZ 360 146,729.56 3 7.000 977.00 90 6.750 977.00 HARTFORD CT 06105 1 07/23/02 11 0434508685 05 09/01/02 25 8848525 N 08/01/32 0 8011677 313/G02 F 199,000.00 ZZ 360 198,844.75 4 7.250 1,357.54 70 7.000 1,357.54 WORCESTER MA 01601 5 07/25/02 00 0434505426 05 09/01/02 0 8853707 N 08/01/32 0 8011679 313/G02 F 156,000.00 ZZ 360 155,872.12 3 7.000 1,037.88 80 6.750 1,037.88 HARTFORD CT 06106 1 07/30/02 00 0434508578 05 09/01/02 0 8854440 N 08/01/32 0 8011681 313/G02 F 128,000.00 ZZ 360 127,889.79 1 6.750 830.21 80 6.500 830.21 BEND OR 97702 1 07/31/02 00 0434501680 05 09/01/02 0 8868036 N 08/01/32 0 8011683 313/G02 F 138,000.00 ZZ 360 137,889.64 1 7.125 929.74 87 6.875 929.74 HICKORY HILLS IL 60457 2 07/31/02 01 0434507786 05 09/01/02 25 1 8846537 N 08/01/32 0 8011685 313/G02 F 153,000.00 ZZ 360 152,877.65 1 7.125 1,030.79 90 6.875 1,030.79 CHICAGO RIDGE IL 60415 2 07/31/02 01 0434507984 05 09/01/02 25 8846636 N 08/01/32 0 8011691 313/G02 F 52,000.00 ZZ 360 52,000.00 2 7.625 368.06 80 7.375 368.06 ROCKFORD IL 61103 5 08/02/02 00 0434510129 05 10/01/02 0 8774457 N 09/01/32 0 8011699 313/G02 F 473,000.00 ZZ 360 473,000.00 1 6.750 3,067.87 74 6.500 3,067.87 OXNARD CA 93035 5 08/14/02 00 0434509451 05 10/01/02 0 8882029 O 09/01/32 0 8011703 313/G02 F 108,000.00 ZZ 360 108,000.00 1 7.625 764.42 90 7.375 764.42 ZION IL 60099 1 08/15/02 11 0434508867 05 10/01/02 25 8901654 N 09/01/32 0 8011739 950/G02 F 188,000.00 ZZ 360 188,000.00 1 6.875 1,235.03 80 6.625 1,235.03 BEAVERTON OR 97006 1 08/13/02 00 0434532784 05 10/01/02 0 207021 N 09/01/32 0 1 8011783 E65/G02 F 322,000.00 ZZ 360 322,000.00 1 7.750 2,306.85 95 7.500 2,306.85 MACOMB TWP MI 48044 1 08/23/02 11 0434549754 05 10/01/02 30 245196 O 09/01/32 0 8011841 738/G02 F 126,000.00 ZZ 360 126,000.00 1 7.750 902.68 80 7.500 902.68 PLANTATION FL 33324 1 08/29/02 00 0434521845 01 10/01/02 0 00405544390003 O 09/01/32 0 8011939 P63/G02 F 480,000.00 ZZ 360 480,000.00 1 6.625 3,073.49 80 6.375 3,073.49 WHITE PLAINS NY 10606 1 08/22/02 00 0434504197 05 10/01/02 0 20203219 O 09/01/32 0 8011977 X19/G02 F 136,000.00 ZZ 360 136,000.00 2 6.625 870.82 80 6.375 870.82 SOUTHINGTON CT 06479 1 08/30/02 00 0434554374 05 10/01/02 0 22072905 N 09/01/32 0 8013301 964/G02 F 275,000.00 T 360 275,000.00 1 7.125 1,852.73 44 6.875 1,852.73 TAHOMA CA 96142 5 08/07/02 00 0434501920 05 10/01/02 0 235536 O 09/01/32 0 8013371 964/G02 F 110,800.00 ZZ 360 110,800.00 1 7.000 737.16 80 6.750 737.16 1 PRESCOTT AZ 86301 1 08/07/02 00 0434500708 05 10/01/02 0 236110 N 09/01/32 0 8013451 964/G02 F 184,000.00 ZZ 360 184,000.00 1 7.000 1,224.16 80 6.750 1,224.16 WEST VALLEY CIT UT 84119 2 08/12/02 00 0434504593 05 10/01/02 0 210203 N 09/01/32 0 8013495 B28/G02 F 61,200.00 ZZ 360 61,200.00 1 6.750 396.95 80 6.500 396.95 FLORISSANT CO 80816 1 08/28/02 00 0434520789 05 10/01/02 0 05900235 O 09/01/32 0 8013579 Q73/G02 F 78,500.00 ZZ 360 78,500.00 1 7.000 522.26 59 6.750 522.26 WEST MONROE LA 71291 2 08/21/02 00 0434541850 05 10/01/02 0 2958464 O 09/01/32 0 8013685 E22/G02 F 117,900.00 ZZ 360 117,900.00 1 6.750 764.70 90 6.500 764.70 ALGONA WA 98001 1 08/20/02 01 0414267286 05 10/01/02 25 0414267286 O 09/01/32 0 8013769 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 7.375 1,139.61 95 7.125 1,139.61 FONTANA CA 92335 2 08/29/02 04 0414689810 05 10/01/02 30 0414689810 O 09/01/32 0 1 8014153 U05/G02 F 100,450.00 ZZ 360 100,450.00 3 7.250 685.25 95 7.000 685.25 PITTSBURGH PA 15202 1 08/16/02 04 0434531216 05 10/01/02 30 3253218 O 09/01/32 0 8015103 Q14/G02 F 101,150.00 ZZ 360 101,150.00 1 7.750 724.65 85 7.500 724.65 NORWAY IA 52318 5 08/30/02 01 0434530275 05 10/01/02 12 0208556 O 09/01/32 0 8015233 K15/G02 F 212,000.00 ZZ 360 212,000.00 2 6.875 1,392.69 80 6.625 1,392.69 BROOKLYN NY 11237 5 08/23/02 00 0434546172 05 10/01/02 0 011105300234 O 09/01/32 0 8015537 U05/G02 F 149,000.00 ZZ 360 149,000.00 2 7.750 1,067.45 100 7.500 1,067.45 FORT LAUDERDALE FL 33312 1 08/23/02 14 0434536223 05 10/01/02 35 3243591 O 09/01/32 0 8016851 Q14/G02 F 70,650.00 ZZ 360 70,650.00 1 7.625 500.06 90 7.375 500.06 OVERLAND PARK KS 66212 1 08/29/02 01 0434530226 09 10/01/02 25 0208799 N 09/01/32 0 8018011 E22/G02 F 146,300.00 ZZ 360 146,300.00 1 1 7.375 1,010.46 95 7.125 1,010.46 WINCHESTER VA 22602 2 09/04/02 01 0414754499 05 10/01/02 35 0414754499 O 09/01/32 0 8022153 964/G02 F 71,000.00 ZZ 360 71,000.00 1 7.500 496.44 45 7.250 496.44 STATELINE NV 89449 5 08/09/02 00 0434507117 03 10/01/02 0 236469 N 09/01/32 0 8022721 696/G02 F 468,000.00 ZZ 360 468,000.00 1 6.625 2,996.66 80 6.375 2,996.66 WASHINGTON DC 20007 1 08/28/02 00 0434533154 05 10/01/02 0 31202278 O 09/01/32 0 8025327 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 6.375 1,272.69 80 6.125 1,272.69 ROSEBURG OR 97470 1 08/23/02 00 0414660613 05 10/01/02 0 0414660613 O 09/01/32 0 8034335 F61/G02 F 300,700.00 ZZ 360 300,700.00 1 6.625 1,925.42 56 6.375 1,925.42 SEATTLE WA 98117 2 08/21/02 00 0434527354 05 10/01/02 0 021401S O 09/01/32 0 8036677 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.500 1,744.51 80 6.250 1,744.51 NEVADA CITY CA 95959 1 08/26/02 00 0414797605 05 10/01/02 0 1 0414797605 O 09/01/32 0 8052746 758/G02 F 57,000.00 ZZ 360 56,774.98 1 7.250 388.84 95 7.000 388.84 SIERRA VISTA AZ 85635 1 03/06/02 14 0433927282 01 05/01/02 30 680282 O 04/01/32 0 8248026 P33/G02 F 51,622.00 ZZ 359 51,488.97 1 8.250 387.82 80 8.000 387.82 MERRITT ISLAND FL 32952 1 04/05/02 00 0433927357 05 06/01/02 0 16390019 N 04/01/32 0 8284824 E82/G02 F 528,300.00 ZZ 360 525,996.98 2 7.125 3,559.25 77 6.875 3,559.25 HONOLULU HI 96822 2 03/01/02 00 0400588091 05 05/01/02 0 0400588091 O 04/01/32 0 8312958 E23/G02 F 252,000.00 ZZ 360 251,435.42 4 7.500 1,762.02 80 7.250 1,762.02 PAHRUMP NV 89048 1 05/17/02 00 0434319752 05 07/01/02 0 51013379 N 06/01/32 0 8317772 R68/G02 F 160,000.00 ZZ 360 159,730.39 1 6.875 1,051.09 68 6.625 1,051.09 PEMBROKE PINES FL 33028 1 06/28/02 00 0434316147 09 08/01/02 0 7117057 O 07/01/32 0 1 8318398 L20/G02 F 85,000.00 ZZ 360 84,933.69 1 7.250 579.85 50 7.000 579.85 RENO NV 89523 1 07/03/02 00 0434272191 05 09/01/02 0 611142 N 08/01/32 0 8319340 L20/G02 F 85,000.00 ZZ 360 84,933.69 1 7.250 579.85 50 7.000 579.85 RENO NV 89523 1 07/11/02 00 0434324943 05 09/01/02 0 611155 N 08/01/32 0 8319972 M96/G02 F 120,500.00 ZZ 360 120,401.23 1 7.000 801.69 43 6.750 801.69 HASTINGS MI 49058 2 07/15/02 00 0434353330 05 09/01/02 0 200201175 O 08/01/32 0 8321096 E23/G02 F 212,000.00 ZZ 360 211,817.47 2 6.750 1,375.03 80 6.500 1,375.03 RESEDA CA 91335 1 07/25/02 00 0434346623 05 09/01/02 0 11012151 O 08/01/32 0 8321544 E23/G02 F 227,900.00 ZZ 360 227,698.93 1 6.625 1,459.27 78 6.375 1,459.27 SAN DIEGO CA 92126 5 07/17/02 00 0434376968 05 09/01/02 0 11012359 O 08/01/32 0 8322238 E23/G02 F 149,500.00 ZZ 360 149,383.38 1 7.250 1,019.85 65 7.000 1,019.85 1 ESCONDIDO CA 92025 5 07/24/02 00 0434400529 05 09/01/02 0 51016120 O 08/01/32 0 8322490 E23/G02 F 225,000.00 ZZ 360 225,000.00 1 6.875 1,478.09 62 6.625 1,478.09 SAN DIEGO CA 92117 5 08/01/02 00 0434446811 05 10/01/02 0 11011986 O 09/01/32 0 8322984 W98/G02 F 136,000.00 ZZ 360 136,000.00 1 6.875 893.42 80 6.625 893.42 NORFOLK VA 23502 5 08/09/02 00 0434451217 05 10/01/02 0 F0207007 N 09/01/32 0 8322990 W98/G02 F 415,000.00 ZZ 360 415,000.00 1 6.750 2,691.68 80 6.500 2,691.68 LEESBURG VA 20175 5 08/09/02 00 0434497095 03 10/01/02 0 9249854 O 09/01/32 0 8323174 E23/G02 F 270,000.00 ZZ 360 270,000.00 1 6.875 1,773.71 71 6.625 1,773.71 CONCORD CA 94521 5 08/01/02 00 0434457131 05 10/01/02 0 61006148 O 09/01/32 0 8323188 E23/G02 F 170,400.00 ZZ 360 170,400.00 1 6.750 1,105.21 80 6.500 1,105.21 CHINO HILLS CA 91709 1 08/05/02 00 0434446399 03 10/01/02 0 51017112 O 09/01/32 0 1 8323192 E23/G02 F 280,000.00 ZZ 360 280,000.00 1 6.625 1,792.87 80 6.375 1,792.87 ORANGE CA 92867 5 08/08/02 00 0434444352 05 10/01/02 0 51017300 O 09/01/32 0 8323864 R68/G02 F 251,500.00 ZZ 360 251,500.00 4 7.750 1,801.78 90 7.500 1,801.78 POMPANO BEACH FL 33062 1 08/30/02 10 0434532255 05 10/01/02 25 7225267 N 09/01/32 0 8324172 E23/G02 F 280,000.00 ZZ 360 280,000.00 1 6.750 1,816.07 59 6.500 1,816.07 GLENDALE CA 91201 5 08/07/02 00 0434467577 05 10/01/02 0 51016550 O 09/01/32 0 8324200 L68/G02 F 212,400.00 ZZ 360 212,400.00 1 6.750 1,377.62 90 6.500 1,377.62 LINGWOOD WA 98037 2 08/07/02 14 0434525275 05 10/01/02 25 7265009 O 09/01/32 0 8324648 E23/G02 F 370,000.00 ZZ 360 370,000.00 1 7.250 2,524.05 72 7.000 2,524.05 SANTA ROSA CA 95403 5 08/21/02 00 0434561825 05 10/01/02 0 62002514 O 09/01/32 0 8326262 E23/G02 F 298,750.00 ZZ 360 298,750.00 1 1 6.625 1,912.93 80 6.375 1,912.93 EL CAJON CA 92019 1 08/22/02 00 0434530937 05 10/01/02 0 11013117 O 09/01/32 0 8326470 E23/G02 F 301,750.00 ZZ 360 301,750.00 1 6.750 1,957.14 85 6.500 1,957.14 RIVERSIDE CA 92508 1 08/28/02 04 0434547758 05 10/01/02 12 51017168 O 09/01/32 0 TOTAL NUMBER OF LOANS : 2,322 TOTAL ORIGINAL BALANCE : 372,115,574.61 TOTAL PRINCIPAL BALANCE : 371,546,460.24 TOTAL ORIGINAL P+I : 2,513,197.15 TOTAL CURRENT P+I : 2,513,197.16 *************************** * END OF REPORT * *************************** 52 EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS
Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 7791899 $99,818.71 6.220% 0.4800% $479.13 7805835 $299,442.80 6.095% 2.4800% $7,426.18 7809143 $254,240.13 6.220% 0.4800% $1,220.35 7815939 $205,617.40 6.095% 2.4800% $5,099.31 7831295 $244,544.96 6.095% 2.4800% $6,064.72 7878737 $231,790.27 6.220% 0.4800% $1,112.59 7884361 $191,822.16 6.095% 2.4800% $4,757.19 7885243 $194,646.49 6.220% 0.4800% $934.30 7889613 $129,882.48 6.220% 0.4800% $623.44 7889977 $91,702.09 6.220% 0.4800% $440.17 7890497 $167,844.40 6.095% 2.4800% $4,162.54 7892151 $119,888.86 6.095% 2.4800% $2,973.24 7892509 $167,844.40 6.095% 2.4800% $4,162.54 7897999 $144,868.92 6.220% 0.4800% $695.37 7898153 $429,611.28 6.220% 0.4800% $2,062.13 7907221 $157,857.16 6.220% 0.4800% $757.71 7909923 $46,955.40 5.970% 4.4800% $2,103.60 7909945 $79,079.61 6.095% 2.4800% $1,961.17 7909955 $202,816.48 6.220% 0.4800% $973.52 7910335 $159,851.81 6.095% 2.4800% $3,964.32 7910895 $119,891.52 6.220% 0.4800% $575.48 7915559 $134,375.42 6.095% 2.4800% $3,332.51 7915763 $649,312.48 6.220% 0.4800% $3,116.70 7916469 $420,000.00 6.220% 0.4800% $2,016.00 7917493 $162,952.56 6.220% 0.4800% $782.17 7919415 $95,693.05 6.220% 0.4800% $459.33 7920733 $90,318.28 6.220% 0.4800% $433.53 7922665 $189,828.24 6.220% 0.4800% $911.18 7924189 $247,500.00 6.095% 2.4800% $6,138.00 7925421 $597,000.00 6.220% 0.4800% $2,865.60 7929979 $235,000.00 6.095% 2.4800% $5,828.00 7930397 $225,000.00 5.970% 4.4800% $10,080.00 7930405 $200,000.00 6.095% 2.4800% $4,960.00 7930447 $123,588.17 6.220% 0.4800% $593.22 7930449 $300,421.49 6.095% 2.4800% $7,450.45 7930455 $94,909.86 5.970% 4.4800% $4,251.96 7930463 $149,861.07 6.095% 2.4800% $3,716.55 7930473 $292,728.62 6.095% 2.4800% $7,259.67 7930479 $238,700.00 5.845% 6.4800% $15,467.76 7930485 $272,753.20 6.220% 0.4800% $1,309.22 7930497 $155,000.00 6.095% 2.4800% $3,844.00 7930511 $55,000.00 6.095% 2.4800% $1,364.00 7930777 $408,000.00 6.220% 0.4800% $1,958.40 7934733 $135,877.05 6.220% 0.4800% $652.21 7936697 $499,547.98 6.220% 0.4800% $2,397.83 7936819 $116,787.89 6.220% 0.4800% $560.58 7938095 $121,600.00 6.220% 0.4800% $583.68 7939975 $340,000.00 6.220% 0.4800% $1,632.00 7940115 $299,000.00 6.095% 2.4800% $7,415.20 7942545 $143,769.91 6.220% 0.4800% $690.10 7943879 $383,200.00 6.220% 0.4800% $1,839.36 7943893 $68,800.00 6.220% 0.4800% $330.24 7944575 $174,841.80 6.220% 0.4800% $839.24 Monday, September 23, 2002 Page 1 of 3 7949157 $145,000.00 6.220% 0.4800% $696.00 7949891 $147,866.21 6.220% 0.4800% $709.76 7950155 $319,000.00 6.220% 0.4800% $1,531.20 7950175 $76,160.00 6.220% 0.4800% $365.57 7950313 $625,500.00 6.220% 0.4800% $3,002.40 7950571 $118,500.00 5.970% 4.4800% $5,308.80 7950629 $161,600.00 6.220% 0.4800% $775.68 7952215 $113,197.57 6.220% 0.4800% $543.35 7952371 $100,000.00 6.095% 2.4800% $2,480.00 7952425 $97,600.00 6.220% 0.4800% $468.48 7952487 $300,000.00 6.095% 2.4800% $7,440.00 7952489 $352,000.00 6.220% 0.4800% $1,689.60 7954095 $118,400.00 6.220% 0.4800% $568.32 7957985 $155,100.00 6.220% 0.4800% $744.48 7960889 $66,000.00 6.220% 0.4800% $316.80 7961813 $713,354.53 6.220% 0.4800% $3,424.10 7963471 $227,576.52 6.095% 2.4800% $5,643.90 7963501 $239,564.88 6.220% 0.4800% $1,149.91 7963527 $239,777.71 6.095% 2.4800% $5,946.49 7963547 $225,894.71 6.220% 0.4800% $1,084.29 7963555 $106,553.58 6.220% 0.4800% $511.46 7963557 $74,930.53 6.095% 2.4800% $1,858.28 7963565 $263,761.34 6.220% 0.4800% $1,266.05 7963573 $194,823.71 6.220% 0.4800% $935.15 7963617 $277,349.04 6.220% 0.4800% $1,331.28 7963641 $196,700.55 6.220% 0.4800% $944.16 7963807 $171,437.17 5.970% 4.4800% $7,680.39 7963855 $193,325.08 6.220% 0.4800% $927.96 7963869 $121,152.45 6.220% 0.4800% $581.53 7963885 $197,821.01 6.220% 0.4800% $949.54 7963937 $259,578.55 6.220% 0.4800% $1,245.98 7963997 $294,233.77 6.220% 0.4800% $1,412.32 7964009 $66,362.35 6.095% 2.4800% $1,645.79 7964043 $239,777.71 6.095% 2.4800% $5,946.49 7964075 $279,746.87 6.220% 0.4800% $1,342.79 7964081 $245,178.16 6.220% 0.4800% $1,176.86 7964085 $300,414.69 5.970% 4.4800% $13,458.58 7964089 $190,827.33 6.220% 0.4800% $915.97 7965733 $126,000.00 6.220% 0.4800% $604.80 7967159 $108,000.00 6.220% 0.4800% $518.40 7969805 $420,000.00 6.220% 0.4800% $2,016.00 7974601 $280,000.00 6.095% 2.4800% $6,944.00 7974671 $96,408.00 6.220% 0.4800% $462.76 7976775 $131,900.00 6.095% 2.4800% $3,271.12 7979859 $176,000.00 6.220% 0.4800% $844.80 7980145 $336,000.00 6.220% 0.4800% $1,612.80 7980713 $410,000.00 6.095% 2.4800% $10,168.00 7981275 $103,660.00 6.095% 2.4800% $2,570.77 7981281 $199,960.00 6.220% 0.4800% $959.81 7981531 $103,500.00 6.095% 2.4800% $2,566.80 7983493 $107,000.00 6.220% 0.4800% $513.60 7984151 $100,000.00 6.095% 2.4800% $2,480.00 7985607 $227,000.00 6.220% 0.4800% $1,089.60 7986425 $135,200.00 6.220% 0.4800% $648.96 7987907 $456,000.00 5.970% 4.4800% $20,428.80 7988307 $128,600.00 6.220% 0.4800% $617.28 7988377 $189,500.00 6.095% 2.4800% $4,699.60 Monday, September 23, 2002 Page 2 of 3 7989053 $313,203.07 6.220% 0.4800% $1,503.37 7991749 $220,000.00 6.095% 2.4800% $5,456.00 7993295 $117,000.00 6.220% 0.4800% $561.60 7993731 $191,000.00 6.220% 0.4800% $916.80 7993751 $156,000.00 6.095% 2.4800% $3,868.80 7994545 $195,000.00 5.970% 4.4800% $8,736.00 7994579 $176,000.00 5.970% 4.4800% $7,884.80 7995027 $396,100.00 6.220% 0.4800% $1,901.28 7995951 $276,000.00 6.220% 0.4800% $1,324.80 7996149 $206,000.00 6.220% 0.4800% $988.80 7997501 $132,000.00 6.220% 0.4800% $633.60 7997583 $300,000.00 6.220% 0.4800% $1,440.00 7999811 $238,400.00 6.220% 0.4800% $1,144.32 8001241 $367,500.00 6.220% 0.4800% $1,764.00 8001611 $581,200.00 5.970% 4.4800% $26,037.76 8002953 $459,000.00 6.095% 2.4800% $11,383.20 8005213 $84,000.00 6.220% 0.4800% $403.20 8009423 $268,000.00 6.095% 2.4800% $6,646.40 8011135 $118,400.00 6.220% 0.4800% $568.32 8011615 $435,000.00 6.095% 2.4800% $10,788.00 8025327 $204,000.00 6.095% 2.4800% $5,059.20 8036677 $276,000.00 6.220% 0.4800% $1,324.80 Monday, September 23, 2002 Page 3 of 3
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; 1 (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 the 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, and 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. 2 EXHIBIT FOUR STANDARD TERMS OF POOLING AND SERVICING AGREEMENT DATED AS OF AUGUST 1, 2002 EXECUTION COPY ================================================================================ STANDARD TERMS OF POOLING AND SERVICING AGREEMENT Dated as of August 1, 2002 Residential Accredit Loans, Inc. Mortgage Asset-Backed Pass-Through Certificates ================================================================================
TABLE OF CONTENTS PAGE -i- Article I DEFINITIONS...............................................................2 Section 1.01. Definitions...........................................................2 Section 1.02. Use of Words and Phrases.............................................31 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........32 Section 2.01. Conveyance of Mortgage Loans.........................................32 Section 2.02. Acceptance by Trustee................................................38 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company.............................................................39 Section 2.04. Representations and Warranties of Sellers............................41 Section 2.05. Execution and Authentication of Certificates/Issuance of Certificates Evidencing Interests in REMIC I Certificates................................43 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee...................................................43 Section 2.07. Issuance of Certificates Evidencing Interests in REMIC II............43 Section 2.08. Purposes and Powers of the Trust.....................................43 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................44 Section 3.01. Master Servicer to Act as Servicer...................................44 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations...................................45 Section 3.03. Successor Subservicers...............................................46 Section 3.04. Liability of the Master Servicer.....................................47 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders..........................................................47 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee..... 47 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account 48 Section 3.08. Subservicing Accounts; Servicing Accounts............................50 Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans ....................................................52 Section 3.10. Permitted Withdrawals from the Custodial Account.....................52 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder54 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage...55 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments.........................................................56 Section 3.14. Realization Upon Defaulted Mortgage Loans............................58 Section 3.15. Trustee to Cooperate; Release of Mortgage Files......................61 Section 3.16. Servicing and Other Compensation; Compensating Interest..............63 Section 3.17. Reports to the Trustee and the Company...............................64 Section 3.18. Annual Statement as to Compliance....................................64 Section 3.19. Annual Independent Public Accountants' Servicing Report..............64 Section 3.20. Rights of the Company in Respect of the Master Servicer..............65 Section 3.21. Administration of Buydown Funds......................................65 Article IV PAYMENTS TO CERTIFICATEHOLDERS...........................................67 Section 4.01. Certificate Account..................................................67 Section 4.02. Distributions........................................................67 Section 4.03. Statements to Certificateholders.....................................67 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.............................................................68 Section 4.05. Allocation of Realized Losses........................................70 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property........70 Section 4.07. Optional Purchase of Defaulted Mortgage Loans........................70 Section 4.08. Surety Bond..........................................................70 Article V THE CERTIFICATES.........................................................72 Section 5.01. The Certificates.....................................................72 Section 5.02. Registration of Transfer and Exchange of Certificates................74 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates....................79 Section 5.04. Persons Deemed Owners................................................80 Section 5.05. Appointment of Paying Agent..........................................80 Article VI THE COMPANY AND THE MASTER SERVICER......................................81 Section 6.01. Respective Liabilities of the Company and the Master Servicer........81 Section 6.02. Merger or Consolidation of the Company or the Master Servicer; Assignment of Rights and Delegation of Duties by Master Servicer..........................81 Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others 82 Section 6.04. Company and Master Servicer Not to Resign............................83 Article VII DEFAULT..................................................................84 Section 7.01. Events of Default....................................................84 Section 7.02. Trustee or Company to Act; Appointment of Successor..................86 Section 7.03. Notification to Certificateholders...................................87 Section 7.04. Waiver of Events of Default..........................................87 Article VIII CONCERNING THE TRUSTEE...................................................88 Section 8.01. Duties of Trustee....................................................88 Section 8.02. Certain Matters Affecting the Trustee................................89 Section 8.03. Trustee Not Liable for Certificates or Mortgage Loans................91 Section 8.04. Trustee May Own Certificates.........................................91 Section 8.05. Master Servicer to Pay Trustee's Fees and Expenses; Indemnification.91 Section 8.06. Eligibility Requirements for Trustee.................................92 Section 8.07. Resignation and Removal of the Trustee...............................93 Section 8.08. Successor Trustee....................................................93 Section 8.09. Merger or Consolidation of Trustee...................................94 Section 8.10. Appointment of Co-Trustee or Separate Trustee........................94 Section 8.11. Appointment of Custodians............................................95 Section 8.12. Appointment of Office or Agency......................................96 Article IX TERMINATION OR OPTIONAL PURCHASE OF ALL CERTIFICATES.....................97 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...97 Section 9.02. Additional Termination Requirements.................................100 Section 9.03. Termination of Multiple REMICs......................................101 Article X REMIC PROVISIONS........................................................102 Section 10.01.REMIC Administration................................................102 Section 10.02.Master Servicer, REMIC Administrator and Trustee Indemnification....105 Section 10.03.Designation of REMIC(s).............................................106 Article XI MISCELLANEOUS PROVISIONS................................................107 Section 11.01.Amendment...........................................................107 Section 11.02.Recordation of Agreement; Counterparts..............................109 Section 11.03.Limitation on Rights of Certificateholders..........................110 Section 11.04.Governing Law.......................................................110 Section 11.05.Notices.............................................................111 Section 11.06.Required Notices to Rating Agency and Subservicer...................111 Section 11.07.Severability of Provisions..........................................111 Section 11.08.Supplemental Provisions for Resecuritization........................112 Section 11.09.Allocation of Voting Rights.........................................112 Section 11.10.No Petition.........................................................112 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
This is the Standard Terms of Pooling and Servicing Agreement, dated as of August 1, 2002 (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: 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 and (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, Subsequent Recoveries, 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, including any Subsequent Recoveries, 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 (ii) any Subsequent Recoveries added to the Certificate Principal Balance of such Certificate pursuant to Section 4.02, plus 6 (iii)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 (iv) 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 each Certificate of the Class of Subordinate Certificates with the Lowest Priority at any given time shall be further reduced by an amount equal to the Percentage Interest represented by such Certificate multiplied by the excess, if any, of (A) the then aggregate Certificate Principal Balance of all Classes of Certificates then outstanding over (B) the then aggregate Stated Principal Balance of the Mortgage Loans. 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 "international organization" shall have the meanings set forth in Section 7701 of the Code or successor provisions. 10 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 Certificate Principal Balance of such class or classes of Certificates 11 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 Ratings 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 a Certificate Principal Balance greater than zero, 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 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. 14 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 a Certificate Principal Balance greater than zero, 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 pursuant to the definition of "Pool Strip Rate" is greater than the Pool Strip Rate of the related Deleted Mortgage Loan 21 (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. To the extent the Master Servicer receives Subsequent Recoveries with respect to any Mortgage Loan, the amount of the Realized Loss with respect to that Mortgage Loan will be reduced to the extent such recoveries are applied to reduce the Certificate Principal Balance of any Class of Certificates on any Distribution Date. 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. 23 REO Imputed Interest: As to any REO Property, for any period, an amount equivalent to interest (at the Net Mortgage Rate that would have been applicable to the related Mortgage Loan had it been outstanding) on the unpaid principal balance of the Mortgage Loan as of the date of acquisition thereof for such period. REO Proceeds: Proceeds, net of expenses, received in respect of any REO Property (including, without limitation, proceeds from the rental of the related Mortgaged Property or, with respect to a Cooperative Loan, the related Cooperative Apartment) which proceeds are required to be deposited into the Custodial Account only upon the related REO Disposition. REO Property: A Mortgaged Property acquired by the Master Servicer through foreclosure or deed in lieu of foreclosure in connection with a defaulted Mortgage Loan. Request for Release: A request for release, the forms of which are attached as Exhibit F hereto, or an electronic request in a form acceptable to the Custodian. Required Insurance Policy: With respect to any Mortgage Loan, any insurance policy which is required to be maintained from time to time under this Agreement, the Program Guide or the related Subservicing Agreement in respect of such Mortgage Loan. Required Surety Payment: With respect to any Additional Collateral Loan that becomes a Liquidated Mortgage Loan, the lesser of (i) the principal portion of the Realized Loss with respect to such Mortgage Loan and (ii) the excess, if any, of (a) the amount of Additional Collateral required at origination with respect to such Mortgage Loan over (b) the net proceeds realized by the Subservicer from the related Additional Collateral. Residential Funding: Residential Funding Corporation, a Delaware corporation, in its capacity as seller of the Mortgage Loans to the Company and any successor thereto. Responsible Officer: When used with respect to the Trustee, any officer of the Corporate Trust Department of the Trustee, including any Senior Vice President, any Vice President, any Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer, or any other officer of the Trustee customarily performing functions similar to those performed by any of the above designated officers to whom, with respect to a particular matter, such matter is referred. Retail Certificates: A Senior Certificate, if any, offered in smaller minimum denominations than other Senior Certificates, and designated as such in the Series Supplement. 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. 24 Seller's Agreement: An agreement for the origination and sale of Mortgage Loans generally in the form of the Seller Contract referred to or contained in the Program Guide, or in such other form as has been approved by the Master Servicer and the Company, each containing representations and warranties in respect of one or more Mortgage Loans consistent in all material respects with those set forth in the Program Guide. Senior Accelerated Distribution Percentage: With respect to any Distribution Date occurring on or prior to the 60th Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100%. With respect to any Distribution Date thereafter and any such Loan Group, if applicable, as follows: (i) for any Distribution Date after the 60th Distribution Date but on or prior to the 72nd Distribution Date, the related Senior Percentage for such Distribution Date plus 70% of the related Subordinate Percentage for such Distribution Date; (ii) for any Distribution Date after the 72nd Distribution Date but on or prior to the 84th Distribution Date, the related Senior Percentage for such Distribution Date plus 60% of the related Subordinate Percentage for such Distribution Date; (iii) for any Distribution Date after the 84th Distribution Date but on or prior to the 96th Distribution Date, the related Senior Percentage for such Distribution Date plus 40% of the related Subordinate Percentage for such Distribution Date; (iv) for any Distribution Date after the 96th Distribution Date but on or prior to the 108th Distribution Date, the related Senior Percentage for such Distribution Date plus 20% of the related Subordinate Percentage for such Distribution Date; and (v) for any Distribution Date thereafter, the Senior Percentage for such Distribution Date; provided, however, (i) that any scheduled reduction to the Senior Accelerated Distribution Percentage described above shall not occur as of any Distribution Date unless either (a)(1)(X) the outstanding principal balance of the Mortgage Loans delinquent 60 days or more averaged over the last six months, as a percentage of the aggregate outstanding Certificate Principal Balance of the Subordinate Certificates, is less than 50% 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 25 percentage of the aggregate outstanding principal balance of all Mortgage Loans averaged over the last six months, does not exceed 4% and (2) Realized Losses on the Mortgage Loans to date for such Distribution Date, if occurring during the sixth, seventh, eighth, ninth or tenth year (or any year thereafter) after the Closing Date are less than 10%, 15%, 20%, 25% or 30%, respectively, of the sum of the Initial Certificate Principal Balances of the Subordinate Certificates, and (ii) that for any Distribution Date on which the Senior Percentage is greater than the 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, 3.11, 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. 26 Servicing Fee: With respect to any Mortgage Loan and Distribution Date, the fee payable monthly to the Master Servicer in respect of master servicing compensation that accrues at an annual rate designated on the Mortgage Loan Schedule as the "MSTR SERV FEE" for such Mortgage Loan, as may be adjusted with respect to successor Master Servicers as provided in Section 7.02. Servicing Modification: Any reduction of the interest rate on or the outstanding principal balance of a Mortgage Loan that is in default, or for which, in the judgment of the Master Servicer, default is reasonably foreseeable, pursuant to a modification of such Mortgage Loan in accordance with Section 3.07(a). Servicing Officer: Any officer of the Master Servicer involved in, or responsible for, the administration and servicing of the Mortgage Loans whose name and specimen signature appear on a list of servicing officers furnished to the Trustee by the Master Servicer, as such list may from time to time be amended. Special Hazard Loss: Any Realized Loss not in excess of the cost of the lesser of repair or replacement of a Mortgaged Property (or, with respect to a Cooperative Loan, the related Cooperative Apartment) suffered by such Mortgaged Property (or Cooperative Apartment) on account of direct physical loss, exclusive of (i) any loss of a type covered by a hazard policy or a flood insurance policy required to be maintained in respect of such Mortgaged Property pursuant to Section 3.12(a), except to the extent of the portion of such loss not covered as a result of any coinsurance provision and (ii) any Extraordinary Loss. Standard & Poor's: Standard & Poor's, a division of The McGraw-Hill Companies, Inc., or its successor in interest. Stated Principal Balance: With respect to any Mortgage Loan or related REO Property, at any given time, (i) the Cut-off Date Principal Balance of the Mortgage Loan, minus (ii) the sum of (a) the principal portion of the Monthly Payments due with respect to such Mortgage Loan or REO Property during each Due Period ending prior to the most recent Distribution Date which were received or with respect to which an Advance was made, and (b) all Principal Prepayments with respect to such Mortgage Loan or REO Property, and all Insurance Proceeds, Liquidation Proceeds and REO Proceeds, to the extent applied by the Master Servicer as recoveries of principal in accordance with Section 3.14 with respect to such Mortgage Loan or REO Property, in each case 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). 27 Subordinate Certificate: Any one of the Class M Certificates or Class B Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed hereto as Exhibit B and Exhibit C, respectively. Subordinate Class Percentage: With respect to any Distribution Date and any Class of Subordinate Certificates, a fraction, expressed as a percentage, the numerator of which is the aggregate Certificate Principal Balance of such Class of Subordinate Certificates immediately prior to such date and the denominator of which is the aggregate Stated Principal Balance of all of the Mortgage Loans (or related REO Properties) (other than the related Discount Fraction of each Discount Mortgage Loan) immediately prior to such Distribution Date. Subordinate Percentage: As of any Distribution Date and, with respect to any Mortgage Pool comprised of two or more Loan Groups, any Loan Group, 100% minus the related Senior Percentage as of such Distribution Date. Subsequent Recoveries: As of any Distribution Date, amounts received by the Master Servicer (net of any related expenses permitted to be reimbursed pursuant to Section 3.10) or surplus amounts held by the Master Servicer to cover estimated expenses (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) specifically related to a Mortgage Loan that was the subject of a Cash Liquidation or an REO Disposition prior to the related Prepayment Period that resulted in a Realized Loss. 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. 28 Subservicing Fee: As to any Mortgage Loan, the fee payable monthly to the related Subservicer (or, in the case of a Nonsubserviced Mortgage Loan, to the Master Servicer) in respect of subservicing and other compensation that accrues at an annual rate equal to the excess of the Mortgage Rate borne by the related Mortgage Note over the rate per annum designated on the Mortgage Loan Schedule as the "CURR NET" for such Mortgage Loan. Surety: Ambac, or its successors in interest, or such other surety as may be identified in the Series Supplement. Surety Bond: The Limited Purpose Surety Bond (Policy No. AB0039BE), dated February 28, 1996 in respect to Mortgage Loans originated by MLCC, or the Surety Bond (Policy No. AB0240BE), dated March 17, 1999 in respect to Mortgage Loans originated by Novus Financial Corporation, in each case issued by Ambac for the benefit of certain beneficiaries, including the Trustee for the benefit of the Holders of the Certificates, but only to the extent that such Surety Bond covers any Additional Collateral Loans, or such other Surety Bond as may be identified in the Series Supplement. Tax Returns: The federal income tax return on Internal Revenue Service Form 1066, U.S. Real Estate Mortgage Investment Conduit Income Tax Return, including Schedule Q thereto, Quarterly Notice to Residual Interest Holders of REMIC Taxable Income or Net Loss Allocation, or any successor forms, to be filed on behalf of any REMIC formed under the Series Supplement and under the REMIC Provisions, together with any and all other information, reports or returns that may be required to be furnished to the Certificateholders or filed with the Internal Revenue Service or any other governmental taxing authority under any applicable provisions of federal, state or local tax laws. Transfer: Any direct or indirect transfer, sale, pledge, hypothecation or other form of assignment of any Ownership Interest in a Certificate. Transferee: Any Person who is acquiring by Transfer any Ownership Interest in a Certificate. Transferor: Any Person who is disposing by Transfer of any Ownership Interest in a Certificate. Trust Fund: The segregated pool of assets related to a Series, with respect to which one or more REMIC elections are to be made pursuant to this Agreement, consisting of: (i) the Mortgage Loans and the related Mortgage Files and collateral securing such Mortgage Loans, (ii) all payments on and collections in respect of the Mortgage Loans due after the Cut-off Date as shall be on deposit in the Custodial Account or in the Certificate Account and identified as belonging to the Trust Fund, including the proceeds from 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, 29 (iii) property that secured a Mortgage Loan and that has been acquired for the benefit of the Certificateholders by foreclosure or deed in lieu of foreclosure, (iv) the hazard insurance policies and Primary Insurance Policies, if any, the Pledged Assets with respect to each Pledged Asset Loan, and the interest in the Surety Bond transferred to the Trustee pursuant to Section 2.01, and (v) all proceeds of clauses (i) through (iv) above. Uniform Single Attestation Program for Mortgage Bankers: The Uniform Single Attestation Program for Mortgage Bankers, as published by the Mortgage Bankers Association of America and effective with respect to fiscal periods ending on or after December 15, 1995. Uninsured Cause: Any cause of damage to property subject to a Mortgage such that the complete restoration of such property is not fully reimbursable by the hazard insurance policies. United States Person 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 in the name of the Trustee in conjunction with the Interim Certification issued by the Custodian, as contemplated by Section 2.02. 33 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, 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 34 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 36 the duly appointed agent of the Trustee) of the documents referred to in Section 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 Trustee. Upon such substitution, the Qualified Substitute Mortgage Loan or Loans shall be subject to the terms of this Agreement and the related Subservicing 40 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 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 43 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 44 Agreement as Exhibit E. With the approval of the Master Servicer, a Subservicer may delegate its servicing obligations to third-party servicers, but such Subservicer will remain obligated under the related Subservicing Agreement. The Master Servicer and a Subservicer may enter into amendments thereto or a different form of Subservicing Agreement, and the form referred to or included in the Program Guide is merely provided for information and shall not be deemed to limit in any respect the discretion of the Master Servicer to modify or enter into different Subservicing Agreements; provided, however, that any such amendments or different forms shall be consistent with and not violate the provisions of either this Agreement or the Program Guide in a manner which would materially and adversely affect the interests of the Certificateholders. (b) As part of its servicing activities hereunder, the Master Servicer, for the benefit of the Trustee and the Certificateholders, shall use its best reasonable efforts to enforce the obligations of 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, Subsequent Recoveries and Liquidation Proceeds (net of any related expenses of the Subservicer); (iv) All proceeds of any Mortgage Loans purchased pursuant to Section 2.02, 2.03, 2.04 or 4.07 and all amounts required to be deposited in connection with the substitution of a Qualified Substitute Mortgage Loan pursuant to Section 2.03 or 2.04; (v) Any amounts required to be deposited pursuant to Section 3.07(c) or 3.21; (vi) All amounts transferred from the Certificate Account to the Custodial Account in accordance with Section 4.02(a); (vii)Any amounts realized by the Subservicer and received by the Master Servicer in respect of any Additional Collateral; and (viii) Any amounts received by the Master Servicer in respect of Pledged Assets. The foregoing requirements for deposit in the Custodial Account shall be exclusive, it being understood and agreed that, without limiting the generality of the foregoing, payments on the Mortgage Loans which are not part of the Trust Fund (consisting of payments in respect of principal and interest on the Mortgage Loans due on or before the Cut-off Date) and payments or collections in the nature of prepayment charges or late payment charges or assumption fees may but need not be deposited by the Master Servicer in the Custodial Account. In the event any amount not required to be deposited in the Custodial Account is so deposited, the Master Servicer may at any time withdraw such amount from the Custodial Account, any provision herein to the contrary notwithstanding. The Custodial Account may contain funds that belong to one or more trust funds created for mortgage pass-through certificates of other series and may contain other funds respecting payments on mortgage loans belonging to the Master Servicer or serviced or master serviced by it on behalf of others. Notwithstanding such commingling of funds, the Master Servicer shall keep records that accurately reflect the funds on deposit in the Custodial Account that have been identified by it as being attributable to the Mortgage Loans. With respect to Insurance Proceeds, Liquidation Proceeds, REO Proceeds and the proceeds of the purchase of any Mortgage Loan pursuant to Sections 2.02, 2.03, 2.04 and 4.07 received in any calendar month, the Master Servicer may elect to treat such amounts as included in the Available Distribution Amount for the Distribution Date in the month of receipt, but is not obligated to do so. If the Master Servicer so elects, such amounts will be deemed to have been received (and any related Realized Loss shall be deemed to have occurred) on the last day of the month prior to the receipt thereof. 48 (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 50 Supervision, such access being afforded without charge but only upon reasonable request and during normal business hours at the offices designated by the Master Servicer. The Master Servicer shall permit such representatives to photocopy any such documentation and shall provide equipment for that purpose at a charge reasonably approximating the cost of such photocopying to the Master Servicer. 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 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 55 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 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 56 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 57 accordance with procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Additional Collateral) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Additional Collateral shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. For so long as the Master Servicer is the Master Servicer under the Credit Support Pledge Agreement, the Master Servicer shall perform its obligations under the Credit Support Pledge Agreement in accordance with such Agreement and in a manner that is in the best interests of the Certificateholders. Further, the Master Servicer shall use its best reasonable efforts to realize upon any Pledged Assets for such of the Pledged Asset Loans as come into and continue in default and as to which no satisfactory arrangements can be made for collection of delinquent payments pursuant to Section 3.07; provided that the Master Servicer shall not, on behalf of the Trustee, obtain title to any such Pledged Assets as a result of or in lieu of the disposition thereof or otherwise; and provided further that (i) the Master Servicer shall not proceed with respect to such Pledged Assets in any manner that would impair the ability to recover against the related Mortgaged Property, and (ii) the Master Servicer shall proceed with any REO Acquisition in a manner that preserves the ability to apply the proceeds of such Pledged Assets against amounts owed under the defaulted Mortgage Loan. Any proceeds realized from such Pledged Assets (other than amounts to be released to the Mortgagor or the related guarantor in accordance with procedures that the Master Servicer would follow in servicing loans held for its own account, subject to the terms and conditions of the related Mortgage and Mortgage Note and to the terms and conditions of any security agreement, guarantee agreement, mortgage or other agreement governing the disposition of the proceeds of such Pledged Assets) shall be deposited in the Custodial Account, subject to withdrawal pursuant to Section 3.10. Any other payment received by the Master Servicer in respect of such Pledged Assets shall be deposited in the Custodial Account subject to withdrawal pursuant to Section 3.10. Concurrently with the foregoing, the Master Servicer may pursue any remedies that may be available in connection with a breach of a representation and warranty with respect to any such Mortgage Loan in accordance with Sections 2.03 and 2.04. However, the Master Servicer is not required to continue to pursue both foreclosure (or similar remedies) with respect to the Mortgage Loans and remedies in connection with a breach of a representation and warranty if the Master Servicer determines in its reasonable discretion that one such remedy is more likely to result in a greater recovery as to the Mortgage Loan. Upon the occurrence of a Cash Liquidation or REO Disposition, following the deposit in the Custodial Account of all Insurance Proceeds, Liquidation Proceeds and other payments and recoveries referred to in the definition of "Cash Liquidation" or "REO Disposition," as applicable, upon receipt by the Trustee of written notification of such deposit signed by a Servicing Officer, the Trustee or any Custodian, as the case may be, shall release to the Master Servicer the related Mortgage File and the Trustee shall execute and deliver such instruments of transfer or assignment prepared by the Master Servicer, in each case without recourse, as shall be necessary to vest in the Master Servicer or its designee, as the case may be, the related Mortgage Loan, and thereafter such Mortgage Loan shall not be part of the Trust Fund. Notwithstanding the foregoing or any other provision of this Agreement, in the Master Servicer's sole discretion with respect to any defaulted Mortgage Loan or REO Property as 58 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); fourth, to all Servicing Fees and Subservicing Fees payable therefrom (and the Master Servicer and the Subservicer shall have no claims for any deficiencies with respect to such fees which result from the foregoing allocation); and fifth, to Foreclosure Profits. (e) In the event of a default on a Mortgage Loan one or more of whose obligors is not a United States Person, in connection with any foreclosure or acquisition of a deed in lieu of foreclosure (together, "foreclosure") in respect of such Mortgage Loan, the Master Servicer will cause compliance with the provisions of Treasury Regulation Section 1.1445-2(d)(3) (or any successor thereto) necessary to assure that no withholding tax obligation arises with respect to the proceeds of such foreclosure except to the extent, if any, that proceeds of such foreclosure are required to be remitted to the obligors on such Mortgage Loan. Section 3.15. Trustee to Cooperate; Release of Mortgage Files. ----------------------------------------------- (a) Upon becoming aware of the payment in full of any Mortgage Loan, or upon the receipt by the Master Servicer of a notification that payment in full will be escrowed in a manner customary for such purposes, the Master Servicer will immediately notify the Trustee (if it holds the related Mortgage File) or the Custodian by a certification of a Servicing Officer (which certification shall include a statement to the effect that all amounts received or to be received in connection with such payment which are required to be deposited in the Custodial Account pursuant to Section 3.07 have been or will be so deposited), substantially in one of the forms attached hereto as Exhibit F, or, in the case of the Custodian, an electronic request in a form acceptable to the Custodian, requesting delivery to it of the Mortgage File. Within two Business Days of receipt of such certification and request, the Trustee shall release, or cause the Custodian to release, the related Mortgage File to the Master Servicer. The Master Servicer is authorized to execute and deliver to the Mortgagor the request for reconveyance, deed of reconveyance or release or satisfaction of mortgage or such instrument releasing the lien of the Mortgage, together with the Mortgage Note with, as appropriate, written evidence of cancellation thereon and to cause the removal from the registration on the MERS(R) System of such 60 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. 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 61 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). 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 62 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 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. 63 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 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 64 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 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 66 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 Master Servicer shall upon request assist the Trustee in completing such notice and shall provide any information requested by the Trustee in connection therewith. 69 (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 and agreements between such Certificate Owners and the Depository Participants and brokerage firms representing such Certificate Owners. Multiple requests and 71 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 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 73 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 74 account" (as defined in U.S. Department of Labor Prohibited Transaction Class Exemption ("PTCE") 95-60, and (iii) the conditions set forth in Sections I and III of PTCE 95-60 have been satisfied (each entity that satisfies this clause (b), a "Complying Insurance Company"). (ii) Any Transferee of a Class M Certificate will be deemed to have represented by virtue of its purchase or holding of such Certificate (or interest 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, the Underwriters 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 Organization. Reasonable compensation for providing such information may be required by the Master Servicer from such Person. 77 (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 78 sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee and the Certificate Registrar) connected therewith. Any duplicate Certificate issued pursuant to this Section 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 80 rating of the Classes of Certificates that have been rated in effect immediately prior to such assignment and delegation will not be qualified, reduced or withdrawn as a result of such assignment and delegation (as evidenced by a letter to such effect from each Rating Agency). In the case of any such assignment and delegation, the Master Servicer shall be released from its obligations under this Agreement, except that the Master Servicer shall remain liable for all liabilities and obligations incurred by it as Master Servicer hereunder prior to the satisfaction of the conditions to such assignment and delegation set forth in the next preceding sentence. Section 6.03. Limitation on Liability of the Company, the Master Servicer and Others. Neither the Company, the Master Servicer nor any of the directors, officers, employees or agents of the Company or the Master Servicer shall be under any liability to the Trust Fund or the Certificateholders for any action taken or for refraining from the taking of any action in good faith pursuant to this Agreement, or for errors in judgment; provided, however, that this provision shall not protect the Company, the Master Servicer or any such Person against any breach of warranties or representations made herein or any liability which would otherwise be imposed by reason of willful misfeasance, bad faith or gross negligence in the performance of duties or by reason of reckless disregard of obligations and duties hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer may rely in good faith on any document of any kind prima facie properly executed and submitted by any Person respecting any matters arising hereunder. The Company, the Master Servicer and any director, officer, employee or agent of the Company or the Master Servicer shall be indemnified by the Trust Fund and held harmless against any loss, liability or expense incurred in connection with any legal action relating to this Agreement or the Certificates, other than any loss, liability or expense related to any specific Mortgage Loan or Mortgage Loans (except as any such loss, liability or expense shall be otherwise reimbursable pursuant to this Agreement) and any loss, liability or expense incurred by reason of willful misfeasance, bad faith or gross negligence in the performance of duties hereunder or by reason of reckless disregard of obligations and duties hereunder. Neither the Company nor the Master Servicer shall be under any obligation to appear in, prosecute or defend any legal or administrative action, proceeding, hearing or examination that is not incidental to its respective duties under this Agreement and which in its opinion may involve it in any expense or liability; provided, however, that the Company or the Master Servicer may in its discretion undertake any such action, proceeding, hearing or examination that it may deem necessary or desirable in respect to this Agreement and the rights and duties of the parties hereto and the interests of the Certificateholders hereunder. In such event, the legal expenses and costs of such action, proceeding, hearing or examination and any liability resulting therefrom shall be expenses, costs and liabilities of the Trust Fund, and the Company and the Master Servicer shall be entitled to be reimbursed therefor out of amounts attributable to the Mortgage Loans on deposit in the Custodial Account as provided by Section 3.10 and, on the Distribution Date(s) following such reimbursement, the aggregate of such expenses and costs shall be allocated in reduction of the Accrued Certificate Interest on each Class entitled thereto in the same manner as if such expenses and costs constituted a Prepayment Interest Shortfall. 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 83 (vi) the Master Servicer shall notify the Trustee pursuant to Section 4.04(b) that it is unable to deposit in the Certificate Account an amount equal to the Advance. If an Event of Default described in clauses (i)-(v) of this Section shall occur, then, and in each and every such case, so long as such Event of Default shall not have been remedied, either the Company or the Trustee may, and at the direction of Holders of Certificates entitled to at least 51% of the Voting Rights, the Trustee shall, by notice in writing to the Master Servicer (and to the Company if given by the Trustee or to the Trustee if given by the Company), terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder. If an Event of Default described in clause (vi) hereof shall occur, the Trustee shall, by notice to the Master Servicer and the Company, immediately terminate all of the rights and obligations of the Master Servicer under this Agreement and in and to the Mortgage Loans and the proceeds thereof, other than its rights as a Certificateholder hereunder as provided in Section 4.04(b). On or after the receipt by the Master Servicer of such written notice, all authority and power of the Master Servicer under this Agreement, whether with respect to the Certificates (other than as a Holder thereof) or the Mortgage Loans or otherwise, shall subject to Section 7.02 pass to and be vested in the Trustee or the Trustee's designee appointed pursuant to Section 7.02; and, without limitation, the Trustee is hereby authorized and empowered to execute and deliver, on behalf of the Master Servicer, as attorney-in-fact or otherwise, any and all documents and other instruments, and to do or accomplish all other acts or things necessary or appropriate to effect the purposes of such notice of termination, whether to complete the transfer and endorsement or assignment of the Mortgage Loans and related documents, or otherwise. The Master Servicer agrees to cooperate with the Trustee in effecting the termination of the Master Servicer's responsibilities and rights hereunder, including, without limitation, the transfer to the Trustee or its designee for administration by it of all cash amounts which shall at the time be credited to the Custodial Account or the Certificate Account or thereafter be received with respect to the Mortgage Loans. No such termination shall release the Master Servicer for any liability that it would otherwise have hereunder for any act or omission prior to the effective time of such termination. 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 with the successor Master Servicer in causing MERS to execute and deliver an 85 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 or the Master Servicer and which on their face, do not contradict the requirements of this Agreement; 87 (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 94 Certificates may be surrendered for registration of transfer or exchange. The Trustee will maintain an office at the address stated in Section 11.05 of the Series Supplement where notices and demands to or upon the Trustee in respect of this Agreement may be served. 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 of the purchase price, release to the Master Servicer the Mortgage Files pertaining to the Mortgage Loans being purchased. 96 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 where required pursuant to this Agreement 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, or in the case of all of the Certificates in connection with the exercise by the Master Servicer of its right to purchase the 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 97 Certificateholders. As a result of the exercise by the Master Servicer of its right to purchase the assets of the Trust Fund, the Master Servicer shall deposit in the Certificate Account, before the Final Distribution Date in immediately available funds an amount equal to the purchase price for the assets of the Trust Fund, computed as provided above. As a result of the exercise by the Master Servicer of its right to purchase the outstanding Certificates, the Master Servicer shall deposit in an Eligible Account, established by the Master Servicer on behalf of the Trustee and separate from the Certificate Account in the name of the Trustee in trust for the registered holders of the Certificates, before the Distribution Date on which such purchase is to occur in immediately available funds an amount equal to the purchase price for the Certificates, computed as above provided, and provide notice of such deposit to the Trustee. The Trustee will withdraw from such account the amount specified in subsection (c) below. (c) In the case of the Senior Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof, and in the case of the Class M and Class B Certificates, upon presentation and surrender of the Certificates by the Certificateholders thereof in connection with the exercise by the Master Servicer of its right to purchase the Certificates, and otherwise in accordance with Section 4.01(a), 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). Notwithstanding the reduction of the Certificate Principal Balance of any Class of Subordinate Certificates to zero, such Class will be outstanding hereunder until the termination of the respective obligations and responsibilities of the Company, the Master Servicer and the Trustee hereunder in accordance with Article IX. (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 98 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 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 until the Master Servicer has terminated the respective obligations and responsibilities created hereby in respect of the Certificates pursuant to this Article IX. 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; 99 (ii) The Master Servicer shall notify the Trustee at the commencement of such 90-day liquidation period and, at or prior to the time of making of the final payment on the Certificates, the Trustee shall sell or otherwise dispose of all of the remaining assets of the Trust Fund in accordance with the terms hereof; and (iii) If the Master Servicer or the Company is exercising its right to purchase the assets of the Trust Fund, the Master Servicer shall, during the 90-day liquidation period and at or prior to the Final Distribution Date, purchase all of the assets of the Trust Fund for cash. (b) Each Holder of a Certificate and the Trustee hereby irrevocably approves and appoints the Master Servicer as its attorney-in-fact to adopt a plan of complete liquidation for each REMIC at the expense of the Trust Fund in accordance with the terms and conditions of this Agreement. Section 9.03. Termination of Multiple REMICs. ------------------------------- If the REMIC Administrator makes two or more separate REMIC elections, the applicable REMIC shall be terminated on the earlier of the Final Distribution Date and the date on which it is deemed to receive the last deemed distributions on the related Uncertificated REMIC Regular Interests and the last distribution due on the Certificates is made. 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. (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. 101 (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 102 will consult with the Master Servicer or the REMIC Administrator, as applicable, or its designee, in writing, with respect to whether such action could cause an Adverse REMIC Event to occur with respect to any such REMIC, and the Trustee shall not take any such action or cause any such REMIC to take any such action as to which the Master Servicer or the REMIC Administrator, as applicable, has advised it in writing that an Adverse REMIC Event could occur. The Master Servicer or the REMIC Administrator, as applicable, may consult with counsel to make such written advice, and the cost of same shall be borne by the party seeking to take the action not expressly permitted by this Agreement, but in no event at the expense of the Master Servicer or the REMIC Administrator. At all times as may be required by the Code, the Master Servicer will to the extent within its control and the scope of its duties more specifically set forth herein, maintain substantially all of the assets of each REMIC created hereunder as "qualified mortgages" as defined in Section 860G(a)(3) of the Code and "permitted investments" as defined in Section 860G(a)(5) of the Code. (g) In the event that any tax is imposed on "prohibited transactions" of any REMIC created hereunder as defined in Section 860F(a)(2) of the Code, on "net income from foreclosure property" of any such REMIC as defined in Section 860G(c) of the Code, on any contributions to any such REMIC after the Startup Day therefor pursuant to Section 860G(d) of the Code, or any other tax is imposed by the Code or any applicable provisions of state or local tax laws, such tax shall be charged (i) to the Master Servicer, if such tax arises out of or results from a breach by the Master Servicer of any of its obligations under this Agreement or the Master Servicer has in its sole discretion determined to indemnify the Trust Fund against such tax, (ii) to the Trustee, if such tax arises out of or results from a breach by the Trustee of any of its obligations under this Article X, or (iii) otherwise against amounts on deposit in the Custodial Account as provided by Section 3.10 and on the Distribution Date(s) following such reimbursement the aggregate of such taxes shall be 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 with a Certificate Principal Balance greater than zero affected thereby for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement or such Custodial Agreement or of modifying in any manner the rights of the Holders of Certificates of such Class; provided, however, that no such amendment shall: (i) reduce in any manner the amount of, or delay the timing of, payments which are required to be distributed on any Certificate without the consent of the Holder of such Certificate, (ii) reduce the aforesaid percentage of Certificates of any Class the Holders of which are required to consent to any such amendment, in any such case without the consent of the Holders of all Certificates of such Class then outstanding. (c) Notwithstanding any contrary provision of this Agreement, the Trustee shall not consent to any amendment to this Agreement unless it shall have first received an Opinion of Counsel (subject to Section 10.01(f) and at the expense of the party seeking such amendment) to the effect that such amendment or the exercise of any power granted to the Master Servicer, the Company or the Trustee in accordance with such amendment will not result in the imposition of a federal tax on the Trust Fund or cause any REMIC created under the Series Supplement to fail to qualify as a REMIC at any time that any Certificate is outstanding. (d) Promptly after the execution of any such amendment the Trustee shall furnish written notification of the substance of such amendment to the Custodian and each Certificateholder. It shall not be necessary for the consent of Certificateholders under this Section 11.01 to approve the particular form of any proposed amendment, but it shall be sufficient if such consent shall approve the substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof by Certificateholders shall be subject to such reasonable regulations as the Trustee may prescribe. (e) The Company shall have the option, in its sole discretion, to obtain and deliver to the Trustee any corporate guaranty, payment obligation, irrevocable letter of credit, surety bond, insurance policy or similar instrument or a reserve fund, or any combination of the foregoing, for the purpose of protecting the Holders of the Class B Certificates against any or all Realized Losses or other shortfalls. Any such instrument or fund shall be held by the Trustee for the benefit of the Class B Certificateholders, but shall not be and shall not be deemed to be under any circumstances included in the Trust Fund. To the extent that any such instrument or fund constitutes a reserve fund for federal income tax purposes, (i) any reserve fund so established shall be an outside reserve fund and not an asset of the Trust Fund, (ii) any such reserve fund shall be 107 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 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. 110 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.] 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 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 reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_________________________], 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 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. 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 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 specifically set forth herein and in the Agreement. In the event Master Servicer funds are advanced with respect to any Mortgage Loan, such advance is reimbursable to the Master Servicer, to the extent provided in the Agreement, from related recoveries on such Mortgage Loan or from other cash that would have been distributable to Certificateholders. As provided in the Agreement, withdrawals from the Custodial Account and/or the Certificate Account created for the benefit of Certificateholders may be made by the Master Servicer from time to time for purposes other than distributions to Certificateholders, such purposes including without limitation reimbursement to the Company and the Master Servicer of advances made, or certain expenses incurred, by either of them. The Agreement permits, with certain exceptions therein provided, the amendment of the Agreement and the modification of the rights and obligations of the Company, the Master Servicer and the Trustee and the rights of the Certificateholders under the Agreement at any time by the Company, the Master Servicer and the Trustee with the consent of the Holders of Certificates evidencing in the aggregate not less than 66% of the Percentage Interests of each Class of Certificates affected thereby. Any such consent by the Holder of this Certificate shall be conclusive and binding on such Holder and upon all future holders of this Certificate and of any Certificate issued upon the transfer hereof or in exchange herefor or in lieu hereof whether or not notation of such consent is made upon the Certificate. The Agreement also permits the amendment thereof in certain circumstances without the consent of the Holders of any of the Certificates and, in certain additional circumstances, without the consent of the Holders of certain Classes of Certificates. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], 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 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 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 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 Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [_____________________________], 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 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. 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 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. As provided in the Agreement and subject to certain limitations therein set forth, the transfer of this Certificate is registrable in the Certificate Register upon surrender of this Certificate for registration of transfer at the offices or agencies appointed by the Trustee in the City and State of New York, duly endorsed by, or accompanied by an assignment in the form below or other written instrument of transfer in form satisfactory to the Trustee and the Certificate Registrar duly executed by the Holder hereof or such Holder's attorney duly authorized in writing, and thereupon one or more new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest will be issued to the designated transferee or transferees. The Certificates are issuable only as registered Certificates without coupons in Classes and in denominations specified in the Agreement. As provided in the Agreement and subject to certain limitations therein set forth, Certificates are exchangeable for new Certificates of authorized denominations evidencing the same Class and aggregate Percentage Interest, as requested by the Holder surrendering the same. No service charge will be made for any such registration of transfer or exchange, but the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge payable in connection therewith. The Company, the Master Servicer, the Trustee and the Certificate Registrar and any agent of the Company, the Master Servicer, the Trustee or the Certificate Registrar may treat the Person in whose name this Certificate is registered as the owner hereof for all purposes, and neither the Company, the Master Servicer, the Trustee nor any such agent shall be affected by notice to the contrary. This Certificate shall be governed by and construed in accordance with the laws of the State of New York. The obligations created by the Agreement in respect of the Certificates and the Trust Fund created thereby shall terminate upon the payment to Certificateholders of all amounts held by or on behalf of the Trustee and required to be paid to them pursuant to the Agreement following the earlier of (i) the maturity or other liquidation of the last Mortgage Loan subject thereto or the disposition of all property acquired upon foreclosure or deed in lieu of foreclosure of any Mortgage Loan and (ii) the purchase by the Master Servicer from the Trust Fund of all remaining Mortgage Loans and all property acquired in respect of such Mortgage Loans, thereby effecting early retirement of the Certificates. The Agreement permits, but does not require, the Master Servicer to (i) purchase at a price determined as provided in the Agreement all remaining Mortgage Loans and all property acquired in respect of any Mortgage Loan or (ii) purchase in whole, but not in part, all of the Certificates from the Holders thereof; provided, that any such option may only be exercised if the Pool Stated Principal Balance of the Mortgage Loans as of the Distribution Date upon which the proceeds of any such purchase are distributed is less than ten percent of the Cut-off Date Principal Balance of the Mortgage Loans. Reference is hereby made to the further provisions of this Certificate set forth on the reverse hereof, which further provisions shall for all purpose have the same effect as if set forth at this place. Unless the certificate of authentication hereon has been executed by the Certificate Registrar, by manual signature, this Certificate shall not be entitled to any benefit under the Agreement or be valid for any purpose. IN WITNESS WHEREOF, the Trustee has caused this Certificate to be duly executed. Dated: [____________________________], 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 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. This Contract, including all documents incorporated by reference herein, constitutes the entire understanding between the parties hereto and supersedes all other agreements, covenants, representations, warranties, understandings and communications between the parties, whether written or oral, with respect to the transactions contemplated by this Contract. All paragraph headings contained herein are for convenience only and shall not be construed as part of this Contract. Any provision of this Contract that is prohibited or unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining portions hereof or affecting the validity or enforceability of such provision in any other jurisdiction, and, to this end, the provisions hereof are severable. This Contract shall be governed by, and construed and enforced in accordance with, applicable federal laws and the laws of the State of Minnesota. IN WITNESS WHEREOF, the duly authorized officers of the Seller/Servicer and Residential Funding have executed this Seller/Servicer Contract as of the date first above written. ATTEST: SELLER/SERVICER [Corporate Seal] (Name of Seller/Servicer) By: By: -------------------------------- (Signature) (Signature) By: By: -------------------------------- (Typed Name) (Typed Name) Title: Title: ------------------------------ ======================================= ======================================== ATTEST: RESIDENTIAL FUNDING CORPORATION [Corporate Seal] By: By: -------------------------------- (Signature) (Signature) By: By: -------------------------------- (Typed Name) (Typed Name) Title: Title: ------------------------------ EXHIBIT F FORMS OF REQUEST FOR RELEASE DATE: TO: RE: REQUEST FOR RELEASE OF DOCUMENTS In connection with the administration of the pool of Mortgage Loans held by you for the referenced pool, we request the release of the Mortgage Loan File described below. 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 either (i) a citizen or resident of the United States, (ii) a corporation, partnership or other entity treated as a corporation or a partnership for U.S. federal income tax purposes and created or organized in or under the laws of the United States, any state thereof or the District of Columbia (other than a partnership that is not treated as a United States person under any applicable Treasury regulations), (iii) an estate that is described in Section 7701(a)(30)(D) of the Code, or (iv) a trust that is described in Section 7701(a)(30)(E) of the Code. 6. The Owner hereby agrees that it will not cause income from the Class R Certificates to be attributable to a foreign permanent establishment or fixed base (within the meaning of an applicable income tax treaty) of the Owner or another United States taxpayer. 7. 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. 8. 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. 9. 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. 10. The Owner's Taxpayer Identification Number is ______________________. 11. 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. 12. 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; in making this representation, the Owner warrants that the Owner is familiar with (i) Treasury Regulation Section 1.860E-1(c) and recent amendments thereto, effective as of July 19, 2002, and (ii) the preamble describing the adoption of the amendments to such regulation, which is attached hereto as Exhibit 1. 13. That the Owner has no present knowledge or expectation that it will be unable to pay any United States taxes owed by it so long as any of the Certificates remain outstanding. In this regard, the Owner hereby represents to and for the benefit of the person from whom it acquired the Class R Certificate that the Owner intends to pay taxes associated with holding such Class R Certificate as they become due, fully understanding that it may incur tax liabilities in excess of any cash flows generated by the Class R Certificate. 14. 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. 15. 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. IN WITNESS WHEREOF, the Owner has caused this instrument to be executed on its behalf, pursuant to the authority of its Board of Directors, by its [Title of Officer] and its corporate seal to be hereunto attached, attested by its [Assistant] Secretary, this day of , 200 . [NAME OF OWNER] By: --------------------------------- [Name of Officer] [Title of Officer] [Corporate Seal] ATTEST: [Assistant] Secretary Personally appeared before me the above-named [Name of Officer], known or proved to me to be the same person who executed the foregoing instrument and to be the [Title of Officer] of the Owner, and acknowledged to me that he executed the same as his free act and deed and the free act and deed of the Owner. Subscribed and sworn before me this ____ day of ___________, 200 ____ NOTARY PUBLIC COUNTY OF --------------------------- STATE OF ---------------------------- My Commission expires the _____ day of _____,20___. EXHIBIT 1 DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 1 and 602 [TD 9004] RIN 1545-AW98 Real Estate Mortgage Investment Conduits AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final regulations. ----------------------------------------------------------------------- SUMMARY: This document contains final regulations relating to safe harbor transfers of noneconomic residual interests in real estate mortgage investment conduits (REMICs). The final regulations provide additional limitations on the circumstances under which transferors may claim safe harbor treatment. DATES: Effective Date: These regulations are effective July 19, 2002. Applicability Date: For dates of applicability, see Sec. 1.860E- (1)(c)(10). FOR FURTHER INFORMATION CONTACT: Courtney Shepardson at (202) 622-3940 (not a toll-free number). SUPPLEMENTARY INFORMATION: Paperwork Reduction Act The collection of information in this final rule has been reviewed and, pending receipt and evaluation of public comments, approved by the Office of Management and Budget (OMB) under 44 U.S.C. 3507 and assigned control number 1545-1675. The collection of information in this regulation is in Sec. 1.860E- 1(c)(5)(ii). This information is required to enable the IRS to verify that a taxpayer is complying with the conditions of this regulation. The collection of information is mandatory and is required. Otherwise, the taxpayer will not receive the benefit of safe harbor treatment as provided in the regulation. The likely respondents are businesses and other for-profit institutions. Comments on the collection of information should be sent to the Office of Management and Budget, Attn: Desk Officer for the Department of the Treasury, Office of Information and Regulatory Affairs, Washington, DC, 20503, with copies to the Internal Revenue Service, Attn: IRS Reports Clearance Officer, W:CAR:MP:FP:S, Washington, DC 20224. Comments on the collection of information should be received by September 17, 2002. Comments are specifically requested concerning: Whether the collection of information is necessary for the proper performance of the functions of the Internal Revenue Service, including whether the information will have practical utility; The accuracy of the estimated burden associated with the collection of information (see below); How the quality, utility, and clarity of the information to be collected may be enhanced; How the burden of complying with the collection of information may be minimized, including through the application of automated collection techniques or other forms of information technology; and Estimates of capital or start-up costs and costs of operation, maintenance, and purchase of service to provide information. An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a valid control number assigned by the Office of Management and Budget. The estimated total annual reporting burden is 470 hours, based on an estimated number of respondents of 470 and an estimated average annual burden hours per respondent of one hour. Books or records relating to a collection of information must be retained as long as their contents may become material in the administration of any internal revenue law. Generally, tax returns and tax return information are confidential, as required by 26 U.S.C. 6103. Background This document contains final regulations regarding the proposed amendments to 26 CFR part 1 under section 860E of the Internal Revenue Code (Code). The regulations provide the circumstances under which a transferor of a noneconomic REMIC residual interest meeting the investigation and representation requirements may avail itself of the safe harbor by satisfying either the formula test or the asset test. Final regulations governing REMICs, issued in 1992, contain rules governing the transfer of noneconomic REMIC residual interests. In general, a transfer of a noneconomic residual interest is disregarded for all tax purposes if a significant purpose of the transfer is to [[Page 47452]] enable the transferor to impede the assessment or collection of tax. A purpose to impede the assessment or collection of tax (a wrongful purpose) exists if the transferor, at the time of the transfer, either knew or should have known that the transferee would be unwilling or unable to pay taxes due on its share of the REMIC's taxable income. Under a safe harbor, the transferor of a REMIC noneconomic residual interest is presumed not to have a wrongful purpose if two requirements are satisfied: (1) the transferor conducts a reasonable investigation of the transferee's financial condition (the investigation requirement); and (2) the transferor secures a representation from the transferee to the effect that the transferee understands the tax obligations associated with holding a residual interest and intends to pay those taxes (the representation requirement). The IRS and Treasury have been concerned that some transferors of noneconomic residual interests claim they satisfy the safe harbor even in situations where the economics of the transfer clearly indicate the transferee is unwilling or unable to pay the tax associated with holding the interest. For this reason, on February 7, 2000, the IRS published in the Federal Register (65 FR 5807) a notice of proposed rulemaking (REG-100276-97; REG-122450-98) designed to clarify the safe harbor by adding the "formula test," an economic test. The proposed regulation provides that the safe harbor is unavailable unless the present value of the anticipated tax liabilities associated with holding the residual interest does not exceed the sum of: (1) The present value of any consideration given to the transferee to acquire the interest; (2) the present value of the expected future distributions on the interest; and (3) the present value of the anticipated tax savings associated with holding the interest as the REMIC generates losses. The notice of proposed rulemaking also contained rules for FASITs. Section 1.860H-6(g) of the proposed regulations provides requirements for transfers of FASIT ownership interests and adopts a safe harbor by reference to the safe harbor provisions of the REMIC regulations. In January 2001, the IRS published Rev. Proc. 2001-12 (2001-3 I.R.B. 335) to set forth an alternative safe harbor that taxpayers could use while the IRS and the Treasury considered comments on the proposed regulations. Under the alternative safe harbor, if a transferor meets the investigation requirement and the representation requirement but the transfer fails to meet the formula test, the transferor may invoke the safe harbor if the transferee meets a two- prong test (the asset test). A transferee generally meets the first prong of this test if, at the time of the transfer, and in each of the two years preceding the year of transfer, the transferee's gross assets exceed $100 million and its net assets exceed $10 million. A transferee generally meets the second prong of this test if it is a domestic, taxable corporation and agrees in writing not to transfer the interest to any person other than another domestic, taxable corporation that also satisfies the requirements of the asset test. A transferor cannot rely on the asset test if the transferor knows, or has reason to know, that the transferee will not comply with its written agreement to limit the restrictions on subsequent transfers of the residual interest. Rev. Proc. 2001-12 provides that the asset test fails to be satisfied in the case of a transfer or assignment of a noneconomic residual interest to a foreign branch of an otherwise eligible transferee. If such a transfer or assignment were permitted, a corporate taxpayer might seek to claim that the provisions of an applicable income tax treaty would resource excess inclusion income as foreign source income, and that, as a consequence, any U.S. tax liability attributable to the excess inclusion income could be offset by foreign tax credits. Such a claim would impede the assessment or collection of U.S. tax on excess inclusion income, contrary to the congressional purpose of assuring that such income will be taxable in all events. See, e.g., sections 860E(a)(1), (b), (e) and 860G(b) of the Code. The Treasury and the IRS have learned that certain taxpayers transferring noneconomic residual interests to foreign branches have attempted to rely on the formula test to obtain safe harbor treatment in an effort to impede the assessment or collection of U.S. tax on excess inclusion income. Accordingly, the final regulations provide that if a noneconomic residual interest is transferred to a foreign permanent establishment or fixed base of a U.S. taxpayer, the transfer is not eligible for safe harbor treatment under either the asset test or the formula test. The final regulations also require a transferee to represent that it will not cause income from the noneconomic residual interest to be attributable to a foreign permanent establishment or fixed base. Section 1.860E-1(c)(8) provides computational rules that a taxpayer may use to qualify for safe harbor status under the formula test. Section 1.860E-1(c)(8)(i) provides that the transferee is presumed to pay tax at a rate equal to the highest rate of tax specified in section 11(b). Some commentators were concerned that this presumed rate of taxation was too high because it does not take into consideration taxpayers subject to the alternative minimum tax rate. In light of the comments received, this provision has been amended in the final regulations to allow certain transferees that compute their taxable income using the alternative minimum tax rate to use the alternative minimum tax rate applicable to corporations. Additionally, Sec. 1.860E-1(c)(8)(iii) provides that the present values in the formula test are to be computed using a discount rate equal to the applicable Federal short-term rate prescribed by section 1274(d). This is a change from the proposed regulation and Rev. Proc. 2001-12. In those publications the provision stated that "present values are computed using a discount rate equal to the applicable Federal rate prescribed in section 1274(d) compounded semiannually" and that "[a] lower discount rate may be used if the transferee can demonstrate that it regularly borrows, in the course of its trade or business, substantial funds at such lower rate from an unrelated third party." The IRS and the Treasury Department have learned that, based on this provision, certain taxpayers have been attempting to use unrealistically low or zero interest rates to satisfy the formula test, frustrating the intent of the test. Furthermore, the Treasury Department and the IRS believe that a rule allowing for a rate other than a rate based on an objective index would add unnecessary complexity to the safe harbor. As a result, the rule in the proposed regulations that permits a transferee to use a lower discount rate, if the transferee can demonstrate that it regularly borrows substantial funds at such lower rate, is not included in the final regulations; and the Federal short-term rate has been substituted for the applicable Federal rate. To simplify taxpayers' computations, the final regulations allow use of any of the published short-term rates, provided that the present values are computed with a corresponding period of compounding. With the exception of the provisions relating to transfers to foreign branches, these changes generally have the proposed applicability date of February 4, 2000, but taxpayers may choose to apply the interest rate formula set forth in the proposed regulation and Rev. Proc. 2001-12 for transfers occurring before August 19, 2002. It is anticipated that when final regulations are adopted with respect to [[Page 47453]] FASITs, Sec. 1.860H-6(g) of the proposed regulations will be adopted in substantially its present form, with the result that the final regulations contained in this document will also govern transfers of FASIT ownership interests with substantially the same applicability date as is contained in this document. Effect on Other Documents Rev. Proc. 2001-12 (2001-3 I.R.B. 335) is obsolete for transfers of noneconomic residual interests in REMICs occurring on or after August 19, 2002. Special Analyses It is hereby certified that these regulations will not have a significant economic impact on a substantial number of small entities. This certification is based on the fact that it is unlikely that a substantial number of small entities will hold REMIC residual interests. Therefore, a Regulatory Flexibility Analysis under the Regulatory Flexibility Act (5 U.S.C. chapter 6) is not required. It has been determined that this Treasury decision is not a significant regulatory action as defined in Executive Order 12866. Therefore, a regulatory assessment is not required. It also has been determined that sections 553(b) and 553(d) of the Administrative Procedure Act (5 U.S.C. chapter 5) do not apply to these regulations. Drafting Information The principal author of these regulations is Courtney Shepardson. However, other personnel from the IRS and Treasury Department participated in their development. List of Subjects 26 CFR Part 1 Income taxes, Reporting and record keeping requirements. 26 CFR Part 602 Reporting and record keeping requirements. Adoption of Amendments to the Regulations Accordingly, 26 CFR parts 1 and 602 are amended as follows: PART 1--INCOME TAXES Paragraph 1. The authority citation for part 1 continues to read in part as follows: Authority: 26 U.S.C. 7805 * * * 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: ------------------------------ 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 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: ------------------------------ 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: ------------------------------ 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. IN WITNESS WHEREOF, each of the parties has executed this document as of the date set forth below. Print Name of Seller Print Name of Buyer By: By: ------------------------------------------ Name: Name: Title: Title: Taxpayer Identification Taxpayer Identification: No. No: ------------------------------------------ Date: Date: ---------------------------------------- ANNEX 1 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers Other Than Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 1. As indicated below, the undersigned is the President, Chief Financial Officer, Senior Vice President or other executive officer of the Buyer. 2. In connection with purchases by the Buyer, the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because (i) the Buyer owned and/or invested on a discretionary basis $ in securities (except for the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A) and (ii) the Buyer satisfies the criteria in the category marked below. -- Corporation, etc. The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code. -- Bank. The Buyer (a) is a national bank or banking institution organized under the laws of any State, territory or the District of Columbia, the business of which is substantially confined to banking and is supervised by the State or territorial banking commission or similar official or is a foreign bank or equivalent institution, and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements, a copy of which is attached hereto. -- Savings and Loan. The Buyer (a) is a savings and loan association, building and loan association, cooperative bank, homestead association or similar institution, which is supervised and examined by a State or Federal authority having supervision over any such institutions or is a foreign savings and loan association or equivalent institution and (b) has an audited net worth of at least $25,000,000 as demonstrated in its latest annual financial statements. -- Broker-Dealer. The Buyer is a dealer registered pursuant to Section 15 of the Securities Exchange Act of 1934. -- Insurance Company. The Buyer is an insurance company whose primary and predominant business activity is the writing of insurance or the reinsuring of risks underwritten by insurance companies and which is subject to supervision by the insurance commissioner or a similar official or agency of a State or territory or the District of Columbia. -- State or Local Plan. The Buyer is a plan established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees. -- ERISA Plan. The Buyer is an employee benefit plan within the meaning of Title I of the Employee Retirement Income Security Act of 1974. -- Investment Adviser. The Buyer is an investment adviser registered under the Investment Advisers Act of 1940. -- SBIC. The Buyer is a Small Business Investment Company licensed by the U.S. Small Business Administration under Section 301(c) or (d) of the Small Business Investment Act of 1958. -- Business Development Company. The Buyer is a business development company as defined in Section 202(a)(22) of the Investment Advisers Act of 1940. -- Trust Fund. The Buyer is a trust fund whose trustee is a bank or trust company and whose participants are exclusively (a) plans established and maintained by a State, its political subdivisions, or any agency or instrumentality of the State or its political subdivisions, for the benefit of its employees, or (b) employee benefit plans within the meaning of Title I of the Employee Retirement Income Security Act of 1974, but is not a trust fund that includes as participants individual retirement accounts or H.R. 10 plans. 3. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer, (ii) securities that are part of an unsold allotment to or subscription by the Buyer, if the Buyer is a dealer, (iii) bank deposit notes and certificates of deposit, (iv) loan participations, (v) repurchase agreements, (vi) securities owned but subject to a repurchase agreement and (vii) currency, interest rate and commodity swaps. 4. For purposes of determining the aggregate amount of securities owned and/or invested on a discretionary basis by the Buyer, the Buyer used the cost of such securities to the Buyer and did not include any of the securities referred to in the preceding paragraph. Further, in determining such aggregate amount, the Buyer may have included securities owned by subsidiaries of the Buyer, but only if such subsidiaries are consolidated with the Buyer in its financial statements prepared in accordance with generally accepted accounting principles and if the investments of such subsidiaries are managed under the Buyer's direction. However, such securities were not included if the Buyer is a majority-owned, consolidated subsidiary of another enterprise and the Buyer is not itself a reporting company under the Securities Exchange Act of 1934. 5. The Buyer acknowledges that it is familiar with Rule 144A and understands that the seller to it and other parties related to the Certificates are relying and will continue to rely on the statements made herein because one or more sales to the Buyer may be in reliance on Rule 144A. Will the Buyer be purchasing the Rule 144A Yes No Securities only for the Buyer's own account? 6. If the answer to the foregoing question is "no", the Buyer agrees that, in connection with any purchase of securities sold to the Buyer for the account of a third party (including any separate account) in reliance on Rule 144A, the Buyer will only purchase for the account of a third party that at the time is a "qualified institutional buyer" within the meaning of Rule 144A. In addition, the Buyer agrees that the Buyer will not purchase securities for a third party unless the Buyer has obtained a current representation letter from such third party or taken other appropriate steps contemplated by Rule 144A to conclude that such third party independently meets the definition of "qualified institutional buyer" set forth in Rule 144A. 7. The Buyer will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice is given, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification as of the date of such purchase. Print Name of Buyer By: ------------------------------- Name: Title: Date: ------------------------------- ANNEX 2 TO EXHIBIT J QUALIFIED INSTITUTIONAL BUYER STATUS UNDER SEC RULE 144A [For Buyers That Are Registered Investment Companies] The undersigned hereby certifies as follows in connection with the Rule 144A Investment Representation to which this Certification is attached: 8. As indicated below, the undersigned is the President, Chief Financial Officer or Senior Vice President of the Buyer or, if the Buyer is a "qualified institutional buyer" as that term is defined in Rule 144A under the Securities Act of 1933 ("Rule 144A") because Buyer is part of a Family of Investment Companies (as defined below), is such an officer of the Adviser. 9. In connection with purchases by Buyer, the Buyer is a "qualified institutional buyer" as defined in SEC Rule 144A because (i) the Buyer is an investment company registered under the Investment Company Act of 1940, and (ii) as marked below, the Buyer alone, or the Buyer's Family of Investment Companies, owned at least $100,000,000 in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year. For purposes of determining the amount of securities owned by the Buyer or the Buyer's Family of Investment Companies, the cost of such securities was used. -- The Buyer owned $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). -- The Buyer is part of a Family of Investment Companies which owned in the aggregate $ in securities (other than the excluded securities referred to below) as of the end of the Buyer's most recent fiscal year (such amount being calculated in accordance with Rule 144A). 10. The term "Family of Investment Companies" as used herein means two or more registered investment companies (or series thereof) that have the same investment adviser or investment advisers that are affiliated (by virtue of being majority owned subsidiaries of the same parent or because one investment adviser is a majority owned subsidiary of the other). 11. The term "securities" as used herein does not include (i) securities of issuers that are affiliated with the Buyer or are part of the Buyer's Family of Investment Companies, (ii) bank deposit notes and certificates of deposit, (iii) loan participations, (iv) repurchase agreements, (v) securities owned but subject to a repurchase agreement and (vi) currency, interest rate and commodity swaps. 12. The Buyer is familiar with Rule 144A and understands that each of the parties to which this certification is made are relying and will continue to rely on the statements made herein because one or more sales to the Buyer will be in reliance on Rule 144A. In addition, the Buyer will only purchase for the Buyer's own account. 13. The undersigned will notify each of the parties to which this certification is made of any changes in the information and conclusions herein. Until such notice, the Buyer's purchase of Rule 144A Securities will constitute a reaffirmation of this certification by the undersigned as of the date of such purchase. Print Name of Buyer By: ------------------------------- Name: -------------------------- Title: ------------------------- IF AN ADVISER: Print Name of Buyer Date: ------------------------------- EXHIBIT K [TEXT OF AMENDMENT TO POOLING AND SERVICING AGREEMENT PURSUANT TO SECTION 11.01(E) FOR A LIMITED GUARANTY] ARTICLE XII Subordinate Certificate Loss Coverage; Limited Guaranty Section 12.01. Subordinate Certificate Loss Coverage; Limited Guaranty. (a) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether it or any Sub-Servicer will be entitled to any reimbursement pursuant to Section 4.02(a) on such Distribution Date for Advances or Sub-Servicer Advances previously made, (which will not be Advances or Sub-Servicer Advances that were made with respect to delinquencies which were subsequently determined to be Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses or Extraordinary Losses) and, if so, the Master Servicer shall demand payment from Residential Funding of an amount equal to the amount of any Advances or Sub-Servicer Advances reimbursed pursuant to Section 4.02(a), to the extent such Advances or Sub-Servicer Advances have not been included in the amount of the Realized Loss in the related Mortgage Loan, and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a). (b) Subject to subsection (c) below, prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date, the Master Servicer shall determine whether any Realized Losses (other than Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses) will be allocated to the Class B Certificates on such Distribution Date pursuant to Section 4.05, and, if so, the Master Servicer shall demand payment from Residential Funding of the amount of such Realized Loss and shall distribute the same to the Class B Certificateholders in the same manner as if such amount were to be distributed pursuant to Section 4.02(a); provided, however, that the amount of such demand in respect of any Distribution Date shall in no event be greater than the sum of (i) the additional amount of Accrued Certificate Interest that would have been paid for the Class B Certificateholders on such Distribution Date had such Realized Loss or Losses not occurred plus (ii) the amount of the reduction in the Certificate Principal Balances of the Class B Certificates on such Distribution Date due to such Realized Loss or Losses. Notwithstanding such payment, such Realized Losses shall be deemed to have been borne by the Certificateholders for purposes of Section 4.05. Excess Special Hazard Losses, Excess Fraud Losses, Excess Bankruptcy Losses and Extraordinary Losses allocated to the Class B Certificates will not be covered by the Subordinate Certificate Loss Obligation. (c) Demands for payments pursuant to this Section shall be made prior to the later of the third Business Day prior to each Distribution Date or the related Determination Date by the Master Servicer with written notice thereof to the Trustee. The maximum amount that Residential Funding shall be required to pay pursuant to this Section on any Distribution Date (the "Amount Available") shall be equal to the lesser of (X) minus the sum of (i) all previous payments made under subsections (a) and (b) hereof and (ii) all draws under the Limited Guaranty made in lieu of such payments as described below in subsection (d) and (Y) the then outstanding Certificate Principal Balances of the Class B Certificates, or such lower amount as may be established pursuant to Section 12.02. Residential Funding's obligations as described in this Section are referred to herein as the "Subordinate Certificate Loss Obligation." (d) The Trustee will promptly notify General Motors Acceptance Corporation of any failure of Residential Funding to make any payments hereunder and shall demand payment pursuant to the limited guaranty (the "Limited Guaranty"), executed by General Motors Acceptance Corporation, of Residential Funding's obligation to make payments pursuant to this Section, in an amount equal to the lesser of (i) the Amount Available and (ii) such required payments, by delivering to General Motors Acceptance Corporation a written demand for payment by wire transfer, not later than the second Business Day prior to the Distribution Date for such month, with a copy to the Master Servicer. (e) All payments made by Residential Funding pursuant to this Section or amounts paid under the Limited Guaranty shall be deposited directly in the Certificate Account, for distribution on the Distribution Date for such month to the Class B Certificateholders. (f) The Company shall have the option, in its sole discretion, to substitute for either or both of the Limited Guaranty or the Subordinate Certificate Loss Obligation another instrument in the form of a corporate guaranty, an irrevocable letter of credit, a surety bond, insurance policy or similar instrument or a reserve fund; provided that (i) the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision) an Opinion of Counsel (which need not be an opinion of Independent counsel) to the effect that obtaining such substitute corporate guaranty, irrevocable letter of credit, surety bond, insurance policy or similar instrument or reserve fund will not cause either (a) any federal tax to be imposed on the Trust Fund, including without limitation, any federal tax imposed on "prohibited transactions" under Section 860(F)(a)(1) of the Code or on "contributions after the startup date" under Section 860(G)(d)(1) of the Code or (b) the Trust Fund to fail to qualify as a REMIC at any time that any Certificate is outstanding, and (ii) no such substitution shall be made unless (A) the substitute Limited Guaranty or Subordinate Certificate Loss Obligation is for an initial amount not less than the then current Amount Available and contains provisions that are in all material respects equivalent to the original Limited Guaranty or Subordinate Certificate Loss Obligation (including that no portion of the fees, reimbursements or other obligations under any such instrument will be borne by the Trust Fund), (B) the long term debt obligations of any obligor of any substitute Limited Guaranty or Subordinate Certificate Loss Obligation (if not supported by the Limited Guaranty) shall be rated at least the lesser of (a) the rating of the long term debt obligations of General Motors Acceptance Corporation as of the date of issuance of the Limited Guaranty and (b) the rating of the long term debt obligations of General Motors Acceptance Corporation at the date of such substitution and (C) the Company obtains written confirmation from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company that such substitution shall not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency. Any replacement of the Limited Guaranty or Subordinate Certificate Loss Obligation pursuant to this Section shall be accompanied by a written Opinion of Counsel to the substitute guarantor or obligor, addressed to the Master Servicer and the Trustee, that such substitute instrument constitutes a legal, valid and binding obligation of the substitute guarantor or obligor, enforceable in accordance with its terms, and concerning such other matters as the Master Servicer and the Trustee shall reasonably request. Neither the Company, the Master Servicer nor the Trustee shall be obligated to substitute for or replace the Limited Guaranty or Subordinate Certificate Loss Obligation under any circumstance. Section 12.02. Amendments Relating to the Limited Guaranty. Notwithstanding Sections 11.01 or 12.01: (i) the provisions of this Article XII may be amended, superseded or deleted, (ii) the Limited Guaranty or Subordinate Certificate Loss Obligation may be amended, reduced or canceled, and (iii) any other provision of this Agreement which is related or incidental to the matters described in this Article XII may be amended in any manner; in each case by written instrument executed or consented to by the Company and Residential Funding but without the consent of any Certificateholder and without the consent of the Master Servicer or the Trustee being required unless any such amendment would impose any additional obligation on, or otherwise adversely affect the interests of, the Master Servicer or the Trustee, as applicable; provided that the Company shall also obtain a letter from each nationally recognized credit rating agency that rated the Class B Certificates at the request of the Company to the effect that such amendment, reduction, deletion or cancellation will not lower the rating on the Class B Certificates below the lesser of (a) the then-current rating assigned to the Class B Certificates by such rating agency and (b) the original rating assigned to the Class B Certificates by such rating agency, unless (A) the Holder of 100% of the Class B Certificates is Residential Funding or an Affiliate of Residential Funding, or (B) such amendment, reduction, deletion or cancellation is made in accordance with Section 11.01(e) and, provided further that the Company obtains (subject to the provisions of Section 10.01(f) as if the Company was substituted for the Master Servicer solely for the purposes of such provision), in the case of a material amendment or 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. 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. 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: --------------------------------------------- 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: ------------------------------ 1 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 Form of Form 10-K Certification I, [identify the certifying individual], certify that: 1. I have reviewed the annual report on Form 10-K for the fiscal year [____], and all reports on Form 8-K containing distribution or servicing reports filed in respect of periods included in the year covered by that annual report, of the trust (the "Trust") created pursuant to the Series Supplement dated ___________________ to the Standard Terms of Pooling and Servicing Agreement dated ____________________ (together, the "P&S Agreement") among Residential Accredit Loans, Inc. (the "Company"), Residential Funding Corporation (the "Master Servicer") and [Name of Trustee] (the "Trustee"); 2. Based on my knowledge, the information in these reports, taken as a whole, does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading as of the last day of the period covered by that annual report; 3. Based on my knowledge, the servicing information required to be provided to the Trustee by the Master Servicer under the P&S Agreement is included in these reports; 4. I am responsible for reviewing the activities performed by the Master Servicer under the P&S Agreement and based upon the review required under the P&S Agreement, and, except as disclosed in the report, the Master Servicer has fulfilled its obligations under the P&S Agreement; and 5. I have disclosed to the Company's certified public accountants all significant deficiencies relating to the Master Servicer's compliance with the minimum servicing standards in accordance with a review conducted in compliance with the Uniform Single Attestation Program for Mortgage Bankers as set forth in the P&S Agreement. Date:_______________________ ____________________________* Name: Title: * to be signed by the senior officer in charge of the servicing functions of the Master Servicer