EX-10.1 3 qs15supp.txt 2002-QS15 SERIES SUPPLEMENT EXECUTION COPY ================================================================================ RESIDENTIAL ACCREDIT LOANS, INC., Company, RESIDENTIAL FUNDING CORPORATION, Master Servicer, and DEUTSCHE BANK TRUST COMPANY AMERICAS, Trustee SERIES SUPPLEMENT, DATED AS OF OCTOBER 1, 2002, TO STANDARD TERMS OF POOLING AND SERVICING AGREEMENT dated as of August 1, 2002 Mortgage Asset-Backed Pass-Through Certificates Series 2002-QS15 ================================================================================
Article I DEFINITIONS...............................................................4 Section 1.01. Definitions...............................................................4 Section 1.02. Use of Words and Phrases.................................................18 Article II CONVEYANCE OF MORTGAGE LOANS; ORIGINAL ISSUANCE OF CERTIFICATES..........19 Section 2.01. Conveyance of Mortgage Loans. (See Section 2.01 of the Standard Terms)..19 Section 2.02. Acceptance by Trustee. (See Section 2.02 of the Standard Terms).........19 Section 2.03. Representations, Warranties and Covenants of the Master Servicer and the Company. ............................................................19 Section 2.04. Representations and Warranties of Sellers. (See Section 2.04 of the Standard Terms) .........................................................22 Section 2.05. Execution and Authentication of Certificates/ Issuance of Certificates Evidencing Interests in REMIC I Certificates.............................22 Section 2.06. Conveyance of Uncertificated REMIC I and REMIC II Regular Interests; Acceptance by the Trustee................................................22 Section 2.07. Issuance of Certificates Evidencing Interest in REMIC II.................23 Section 2.08. Purposes and Powers of the Trust (See Section 2.08 of the Standard Terms)23 Article III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS...........................24 Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms) .........................................................24 Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms) ................................24 Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms).........24 Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms)24 Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders.(See Section 3.05 of the Standard Terms) ..............24 Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms)..................................24 Section 3.07. Collection of Certain Mortgage Loan Payments; Deposits to Custodial Account ..................................................................24 Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms) ..........................................................25 i Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms)...........................25 Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms).......................................................25 Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms)...................................25 Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms)..................................25 Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 the Standard Terms)....25 Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms) ..........................................................25 Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms)...........................................................25 Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms)..................................25 Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms) ..........................................................25 Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms26 Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms)....................................................26 Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms)..................................26 Section 3.21. Administration of Buydown Funds. (See Section 3.21 of the Standard Terms)26 Article IV PAYMENTS TO CERTIFICATEHOLDERS...........................................27 Section 4.01. Certificate Account......................................................27 Section 4.02. Distributions............................................................27 Section 4.03. Statements to Certificateholders; Exchange Act Reporting.................37 Section 4.04. Distribution of Reports to the Trustee and the Company; Advances by the Master Servicer.................................................................38 Section 4.05. Allocation of Realized Losses............................................38 Section 4.06. Reports of Foreclosures and Abandonment of Mortgaged Property. (See Section 4.06 of the Standard Terms).................................40 Section 4.07. Optional Purchase of Defaulted Mortgage Loans. (See Section 4.07 of the StandardTerms).......................................................40 ii Section 4.08. Surety Bond. (See Section 4.08 of the Standard Terms)....................40 Section 4.09. Reserve Fund.............................................................40 Section 4.10. Rounding Account.........................................................40 Section 4.11. Principal Distributions on the Retail Certificates.......................41 Article V THE CERTIFICATES.........................................................46 Section 5.01. The Certificates. (See Section 5.01 of the Standard Terms)..............46 Section 5.02. Registration of Transfer and Exchange of Certificates....................46 Section 5.03. Mutilated, Destroyed, Lost or Stolen Certificates. (See Section 5.03 of the Standard Terms)...................................................46 Section 5.04. Persons Deemed Owners. (See Section 5.04 of the Standard Terms).........46 Section 5.05. Appointment of Paying Agent. (See Section 5.05 of the Standard Terms)...46 Article VI THE COMPANY AND THE MASTER SERVICER......................................47 Article VII DEFAULT..................................................................48 Article VIII CONCERNING THE TRUSTEE...................................................49 Article IX TERMINATION..............................................................50 Article X REMIC PROVISIONS.........................................................51 Section 10.01. REMIC Administration. (See Section 10.01 of the Standard Terms).........51 Section 10.02. Master Servicer; REMIC Administrator and Trustee Indemnification. (See Section 10.02 of the Standard Terms)................................51 Section 10.03. Designation of REMICs....................................................51 Section 10.04. Distributions on the Uncertificated REMIC I and REMIC II Regular Interests51 Section 10.05. Compliance with Withholding Requirements.................................53 Article XI MISCELLANEOUS PROVISIONS.................................................54 Section 11.01. Amendment. (See Section 11.01 of the Standard Terms)....................54 Section 11.02. Recordation of Agreement; Counterparts. (See Section 11.02 of the Standard Terms) .........................................................54 Section 11.03. Limitation on Rights of Certificateholders. (See Section 11.03 of the Standard Terms) .........................................................54 Section 11.04. Governing Laws. (See Section 11.04 of the Standard Terms)...............54 Section 11.05. Notices..................................................................54 Section 11.06. Required Notices to Rating Agency and Subservicer........................55 Section 11.07. Severability of Provisions. (See Section 11.07 of the Standard Terms)....56 iii Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms)......................................................56 Section 11.09. Allocation of Voting Rights..............................................56 Section 11.10. No Petition..............................................................56 Article XII CERTAIN MATTERS REGARDING THE CERTIFICATE INSURER........................57 Section 12.01. Rights of the Certificate Insurer to Exercise Rights of Retail Certificateholders. .....................................................57 Section 12.02. Claims Upon the Certificate Policy; Certificate Insurance Account........57 Section 12.03. Effect of Payments by the Certificate Insurer; Subrogation...............58 Section 12.04. Notices and Information to the Certificate Insurer.......................59 Section 12.05. Trustee to Hold Certificate Policy.......................................59 Section 12.06. Ratings..................................................................59 Section 12.07. Third Party Beneficiary..................................................59
iv 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: Certificate Policy of MBIA Insurance Corporation Exhibit Six: Form of Form 10-K Certification Exhibit Seven: Form of Back-Up Certification to Form 10-K Certificate v This is a Series Supplement, dated as of October 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 Reserve Fund and 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 FITCH/ PASS-THROUGH PRINCIPAL MATURITY ----------- MINIMUM DESIGNATION RATE BALANCE FEATURES(1) DATE S&P DENOMINATIONS(2) Senior/ October 25, Class CB 6.00% $200,634,000.00 Fixed Rate 2032 AAA/AAA $25,000.00 Senior/ October 25, Class NB-1 6.00% $185,000,000.00 Fixed Rate 2032 AAA/AAA $25,000.00 Senior/ Fixed Rate/ October 25, Class NB-2 5.75% $14,969,000.00 Retail/Insured 2032 AAA/AAA(3) $1,000.00 Senior/ Fixed Rate/ October 25, Class NB-3 0.17% $0.00(4) Interest Only 2032 AAA/AAA $2,000,000.00 Senior/Principal October 25, Class A-P 0.00% $304,811.77 Only 2032 AAA/AAA $25,000.00 Senior/Variable Variable Rate/Interest October 25, Class A-V Rate(5) $0.00 Only 2032 AAA/AAA 6 Senior/Fixed October 25, Class R-I 6.00% $100.00 Rate/Residual 2032 AAA/AAA 7 Senior/Fixed October 25, Class R-II 6.00% $100.00 Rate/Residual 2032 AAA/AAA 7 Mezzanine/ October 25, ______________ 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 ratings on the Class NB_2 Certificates have been determined without regard to the Certificate Policy issued by the Certificate Insurer. 4 The Class NB-3 Certificates do not have a principal balance. For purposes of calculating interest payments, interest on the Class NB-3 Certificates will accrue on a notional amount equal to the certificate principal balance of the Class NB-2 Certificates. 5 The initial Pass-Through Rate on the Class A-V Certificates is 0.5003%. 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%. 2 AGGREGATE INITIAL CERTIFICATE FITCH/ PASS-THROUGH PRINCIPAL MATURITY ----------- MINIMUM DESIGNATION RATE BALANCE FEATURES(1) DATE S&P DENOMINATIONS(2) Class M-1 6.00% $10,339,900.00 Fixed Rate 2032 NA/AA $25,000.00 Mezzanine/ Class M-2 6.00% $4,009,100.00 Fixed Rate October 25, NA/A $250,000.00 2032 Mezzanine/ October 25, Class M-3 6.00% $2,954,100.00 Fixed Rate 2032 NA/BBB $250,000.00 Subordinate/ October 25, Class B-1 6.00% $1,055,100.00 Fixed Rate 2032 NA/BB $250,000.00 Subordinate/ October 25, Class B-2 6.00% $1,477,100.00 Fixed Rate 2032 NA/B $250,000.00 Subordinate/ October 25, Class B-3 6.00% $1,266,125.30 Fixed Rate 2032 NA/NA $250,000.00
The Mortgage Loans have an aggregate principal balance as of the Cut-off Date of $422,009,437.07. 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. Available Distribution Amount: As to any Distribution Date and 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 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, and (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), 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, (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), and (z) in the case of the NB Loan Group, the Insurance Premium on the Certificate Policy payable on such Distribution Date. Such amount shall be determined separately for each Loan Group. Additionally, if on any Distribution Date Compensating Interest provided pursuant to 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 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) $165,122 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 4 (A) (i) 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 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 (without giving effect to the Certificate Policy in the case of the Retail 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 (ii) provide a copy of such written confirmation to the Trustee and to the Certificate Insurer. CB Loan Group: The group of Mortgage Loans comprised of the Group CB Loans. Certificate: Any Class CB, Class NB-1, Class NB-2, Class NB-3, Class A-P, Class A-V, 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-QS15" and which must be an Eligible Account. Certificate Insurance Account: The account established pursuant to Section 12.02(b) of this Series Supplement. Certificate Insurance Payment: Any payment made by the Certificate Insurer with respect to any Retail Certificates under the Certificate Policy. 5 Certificate Insurer: MBIA Insurance Corporation, a stock insurance company organized and created under the laws of the State of New York, and any successors thereto, and issuer of the Certificate Policy. Certificate Insurer Default: The existence and continuance of a failure by the Certificate Insurer to make a payment required under the Certificate Policy in accordance with its terms. Certificate Policy: The Certificate Guaranty Insurance Policy (No. 39461) issued by the Certificate Insurer for the benefit of the Holders of any Retail Certificates, including any endorsements thereto, attached hereto as Exhibit Five. 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) the Subsequent Recoveries added to the Certificate Principal Balance of such Certificate pursuant to Section 4.02, minus (iii)the sum of (x) the aggregate of all amounts previously distributed with respect to such Certificate (or any predecessor Certificate) and applied to reduce the Certificate Principal Balance thereof pursuant to Section 4.02(a) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses which were previously allocated to such Certificate (or any predecessor Certificate) pursuant to Section 4.05; provided, however, that solely for the purpose of determining the Certificate Insurer's rights as subrogee to the Retail Certificateholders, the Certificate Principal Balance of any Retail Certificate shall be deemed to not be reduced by any principal amounts paid to the Holder thereof from Certificate Insurance Payments, unless such amounts have been reimbursed to the Certificate Insurer pursuant to Section 4.02(a)(xvii); and provided further, 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, not taking into consideration any reduction in the Certificate Principal Balance of the Retail Certificates due to withdrawals of funds from the Rounding Account. Class A Certificate: Any one of the Class A-P Certificates or Class A-V Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A. Class CB Certificate: Any one of the Class CB Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A, which Certificates relate to the Group CB Loans. 6 Class CB 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 Class CB 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) in the CB Loan Group immediately prior to such Distribution Date. Class CB Principal Distribution Amount: As to any Distribution Date, the lesser of (a) the balance of the Available Distribution Amount related to the CB Loan Group remaining after the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i)(X), after the distribution of the portion of the amounts required to be distributed therefrom pursuant to Section 4.02(a)(i)(Z), and after the distribution of the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(a)(ii)(X) or, after the Credit Support Depletion Date, the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(d), and (b) the sum of the amounts required to be distributed therefrom to the Class CB Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(ii)(Z) and 4.02(a)(xviii). Class NB Certificate: Any one of the Class NB-1, Class NB-2 and Class NB-3 Certificates, executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit A, which Certificates relate to the Group NB Loans. Class NB 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 Class NB Certificates and Residual 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) in the NB Loan Group immediately prior to such Distribution Date. Class NB Principal Distribution Amount: As to any Distribution Date, the lesser of (a) the balance of the Available Distribution Amount related to the NB Loan Group remaining after (i) the distribution of all amounts required to be distributed pursuant to Section 4.02(a)(i)(Y), (ii) the distribution of the portion of the amounts required to be distributed therefrom pursuant to Section 4.02(a)(i)(Z), (iii) the distribution of the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(a)(ii)(X) or, after the Credit Support Depletion Date, the amount required to be distributed to the Class A-P Certificateholders pursuant to Section 4.02(d), and (b) the sum of the amounts required to be distributed therefrom to the Class NB Certificateholders and Residual Certificateholders on such Distribution Date pursuant to Sections 4.02(a)(ii)(Y), 4.02(a)(ii)(Z), 4.02(a)(xviii) and 4.02(a)(xix). 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. 7 Class R-II Certificate: Any one of the Class R-II Certificates executed by the Trustee and authenticated by the Certificate Registrar substantially in the form annexed to the Standard Terms as Exhibit D and evidencing an interest designated as a "residual interest" in REMIC II for purposes of the REMIC Provisions. Closing Date: October 30, 2002. Commission: The Securities and Exchange Commission. Commitment Letter: The letter, dated October 29, 2002, between the Certificate Insurer and the Underwriter, relating to the Certificate Policy. 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-QS15. Cumulative Insurance Payments: As of any time of determination, the aggregate of all Certificate Insurance Payments previously made by the Certificate Insurer under the Certificate Policy minus the aggregate of all payments previously made to the Certificate Insurer pursuant to Sections 4.02(a)(xvii) of this Series Supplement as reimbursement for Certificate Insurance Payments. Cut-off Date: October 1, 2002. Deceased Holder: A Certificate Owner of a Retail Certificate who was a natural person living at the time such interest was acquired and whose authorized personal representative, surviving tenant by the entirety, surviving joint tenant or surviving tenant in common or other person empowered to act on behalf of a deceased Certificate Owner causes to be furnished to the Depository Participant evidence of death satisfactory to the Depository Participant and any tax waivers requested by the Depository Participant. Deficiency Amount: With respect to the Retail Certificates and as of any Distribution Date, an amount equal to (a) any interest shortfall allocated to the Retail Certificates, except for (i) any Prepayment Interest Shortfalls allocated to the Retail Certificates that were not offset by the Master Servicer and were otherwise covered by the Reserve Fund and (ii) any Relief Act Shortfalls allocated to the Retail Certificates that were otherwise covered by the Reserve Fund, (b) the principal portion of any Realized Losses allocated to the Retail Certificates and (c) the Certificate Principal Balance of the Retail Certificates to the extent unpaid on the Scheduled Final Distribution Date. Determination Date: With respect to any Distribution Date, the second Business Day prior to each Distribution Date. Discount Net Mortgage Rate: 6.00% per annum. 8 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. 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, (Y) from the first to the second anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 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, and (Z) from the second to the fifth anniversary of the Cut-off Date, an amount equal to (1) the lesser of (a) the Fraud Loss Amount as of the most recent anniversary of the Cut-off Date and (b) 1.00% of the aggregate outstanding principal balance of all of the Mortgage Loans as of the most recent anniversary of the Cut-off Date minus (2) the aggregate amount of Fraud Losses allocated solely to one or more specific Classes of Certificates in accordance with Section 4.05 since the most recent anniversary of the Cut-off Date up to such date of determination. On and after the fifth anniversary of the Cut-off Date, the Fraud Loss Amount shall be zero. The Fraud Loss Amount may be further reduced by the Master Servicer (including accelerating the manner in which such coverage is reduced) provided that prior to any such reduction, the Master Servicer shall (i) obtain written confirmation from each Rating Agency that such reduction shall not reduce the rating assigned to any Class of Certificates by such Rating Agency below the lower of the then-current rating or the rating assigned to such Certificates as of the Closing Date by such Rating Agency(without giving effect to the Certificate Policy in the case of the Retail Certificates) and (ii) provide a copy of such written confirmation to the Trustee and the Certificate Insurer. Group CB Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Group CB Loans, having original principal balances less than or equal to (i) $300,700 in the case of Mortgage Loans secured by mortgaged properties consisting of a single dwelling unit, (ii) $384,906 in the case of Mortgage Loans secured by mortgaged properties consisting of two dwelling units, 9 (iii) $465,200 in the case of Mortgage Loans secured by mortgaged properties consisting of three dwelling units, and (iv) $578,150 in the case of Mortgage Loans secured by mortgaged properties consisting of four dwelling units. Group NB Loans: The Mortgage Loans designated on the Mortgage Loan Schedule as Group NB Loans, having original principal balances exceeding the amounts listed in clauses (i) through (iv) of the definition of Group CB Loans, except for 20.1% of the Group NB Loans, which have original principal balances that meet the restrictions applicable to the CB Loan Group described in clauses (i) through (iv) of the preceding sentence. Individual Retail Certificate: A Retail Certificate that evidences $1,000 Initial Certificate Principal Balance. Initial Monthly Payment Fund: $425,398, representing scheduled principal amortization and interest at the Net Mortgage Rate during the Due Period ending on November 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 NB-3 Certificates, $14,969,000. With respect to the Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Cut-off Date Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass on such date. Initial Subordinate Class Percentage: With respect to each Class of Subordinate Certificates, an amount which is equal to the initial aggregate Certificate Principal Balance of such Class of Subordinate Certificates divided by the aggregate Stated Principal Balance of all the Mortgage Loans as of the Cut-off Date as follows: Class M-1: 2.45%..... Class B-1: 0.25% Class M-2: 0.95%..... Class B-2: 0.35% Class M-3: 0.70%..... Class B-3: 0.30% Insurance Premium: With respect to the Certificate Policy and any Distribution Date, an amount equal to the product of one-twelfth (1/12) of the "Premium Percentage" set forth in the Commitment Letter and the Certificate Principal Balance of the Retail Certificates immediately prior to such Distribution Date. Insured Payment: With respect to any Retail Certificates, (a) as of any Distribution Date, any Deficiency Amount and (b) any Preference Amount. Interest Accrual Period: With respect to any Class of Certificates and any Distribution Date, the calendar month preceding the month in which such Distribution Date occurs. Interest Only Certificates: Any one of the Class NB-3 Certificates or Class A-V Certificates. The Interest Only Certificates will have no Certificate Principal Balance. Living Owner: A Certificate Owner of a Retail Certificate other than a Deceased Holder. Loan Group: Either or both of the CB Loan Group or the NB Loan Group. 10 Maturity Date: October 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. NB Loan Group: The group of Mortgage Loans comprised of the Group NB Loans. Notional Amount: As of any Distribution Date, (i) with respect to the Class NB-3 Certificates, an amount equal to the Certificate Principal Balance of the Class NB-2 Certificates immediately prior to such date, (ii) with respect to any Class A-V Certificates or Subclass thereof issued pursuant to Section 5.01(c), the aggregate Stated Principal Balance of the Mortgage Loans corresponding to the Uncertificated REMIC I Regular Interests Z represented by such Class or Subclass immediately prior to such date. 11 Pass-Through Rate: With respect to the Senior Certificates (other than the 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-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 0.5003% 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. Preference Amount: As defined in the Certificate Policy. Prepayment Assumption: The prepayment assumption to be used for determining the accrual of original issue discount and premium and market discount on the Senior, Class M and Class B Certificates for federal income tax purposes, which assumes a constant prepayment rate of 18.0% per annum. Prepayment Distribution Percentage: With respect to any Distribution Date and the Available Distribution Amount for each Loan Group 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 November 2007 (unless the Certificate Principal Balances of the Class CB Certificates or Class NB Certificates and Residual Certificates, as applicable, have been reduced to zero), 0%. (ii) For any Distribution Date not discussed in clause (i) above on which any Class of Subordinate Certificates are outstanding: (a) in the case of the Class of Subordinate Certificates then outstanding with the Highest Priority and each other Class of Subordinate Certificates for which the related Prepayment Distribution Trigger has been satisfied, a fraction, expressed as a percentage, the numerator of which is the Certificate Principal Balance of such Class immediately prior to such date and the denominator of which is the sum of the Certificate Principal Balances immediately prior to such date of (1) the Class of Subordinate Certificates then outstanding with the Highest Priority and (2) all other Classes of Subordinate Certificates for which the respective Prepayment Distribution Triggers have been satisfied; and 12 (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. Random Lot: With respect to any Distribution Date, the method by which the Depository will determine which Retail Certificates will be paid, using its established random lot procedures or, if the Retail Certificates are no longer represented by a Book-Entry Certificate, using the Trustee's procedures. 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. Relief Act: The Soldiers' and Sailors' Civil Relief Act of 1940, as amended, or similar legislation or regulations as in effect from time to time. Relief Act Shortfalls: Shortfalls in interest payable by a Mortgagor that is not collectible from the Mortgagor pursuant to the Relief Act. REMIC I: The segregated pool of assets, with respect to which a REMIC election is to be made, consisting of: 13 (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 (but not in the Reserve Fund) 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, (v) with respect to the Retail Certificates only, the Certificate Policy and the Rounding Account; and (vi) all proceeds of clauses (i) through (v) 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). Reserve Fund: Any one or more segregated trust accounts that are Eligible Accounts, which shall be titled "Reserve Fund, Deutsche Bank Trust Company Americas, as trustee for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2002-QS15, Class NB-2." Reserve Fund Deposit: $10,000. Reserve Fund Withdrawal: As defined in Section 4.09. 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, and Assistant Vice President, any Assistant Secretary, any Trust Officer or Assistant Trust Officer with particular responsibility for this transaction, 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. 14 Retail Certificates: Any of the Class NB-2 Certificates. Rounding Account: With respect to the Retail Certificates, the account created and maintained for such Retail Certificates pursuant to Section 4.10. Rounding Amount: With respect to the Rounding Account, the amount of funds, if any, needed to be withdrawn and used to round the amount of any distributions in reduction of the Certificate Principal Balance of the Retail Certificates upward to the next higher integral multiple of $1,000. Scheduled Final Distribution Date: October 25, 2032. Senior Certificate: Any one of the Class CB, Class NB, Class A-P, Class A-V 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: The Class CB Percentage or Class NB Percentage, as applicable. Senior Principal Distribution Amount: The Class CB Principal Distribution Amount or the Class NB Principal Distribution Amount, as applicable. Special Hazard Amount: As of any Distribution Date, an amount equal to $4,220,094 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 34.8% (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. 15 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 (without giving effect to the Certificate Policy in the case of the Retail 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 (ii) provide a copy of such written confirmation to the Trustee and the Certificate Insurer. Subordinate Principal Distribution Amount: With respect to any Distribution Date and Loan Group and each Class of Subordinate Certificates, (a) the sum of the following: (i) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the aggregate of the amounts calculated (without giving effect to the related Senior Percentages) for such Distribution Date for the related Loan Group under clauses (1), (2) and (3) of Section 4.02(a)(ii)(Y)(A) to the extent not payable to the Senior Certificates; (ii) such Class's pro rata share, based on the Certificate Principal Balance of each Class of Subordinate Certificates then outstanding, of the principal collections described in Section 4.02(a)(ii)(Y)(B)(b) for the related Loan Group (without giving effect to the related Senior Accelerated Distribution Percentages) 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 for the related Loan Group (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 the related Loan Group 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. Trust Fund: The assets of REMIC I and the Reserve Fund. 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. 16 Uncertificated Pass-Through Rate: With respect to each of the Uncertificated REMIC I Regular Interests the per annum rate specified in the definition of Uncertificated REMIC I Regular Interests. With respect to each Uncertificated REMIC I Regular Interest Z and each Uncertificated REMIC II Regular Interest Z, the Pool Strip Rate for the related Mortgage Loan. Uncertificated Principal Balance: With respect to each Uncertificated REMIC I Regular Interest, as defined in the definition of Uncertificated REMIC I Regular Interest. Uncertificated REMIC I Regular Interests: The Uncertificated REMIC I Regular Interests Z together with the interests identified in the table below, each representing an undivided beneficial ownership interest in REMIC I, and having the following characteristics: 1. The principal balance from time to time of each Uncertificated REMIC I Regular Interest identified in the table below shall be the amount identified as the Initial Principal Balance thereof in such table, minus (ii) the sum of (x) the aggregate of all amounts previously deemed distributed with respect to such interest and applied to reduce the Uncertificated Principal Balance thereof pursuant to Section 10.04(a)(ii) and (y) the aggregate of all reductions in Certificate Principal Balance deemed to have occurred in connection with Realized Losses that were previously deemed allocated to the Uncertificated Principal Balance of such Uncertificated REMIC I Regular Interest pursuant to Section 10.04(d), which equals the aggregate principal balance of the Classes of Certificates identified as related to such Uncertificated REMIC I Regular Interest in such table. 2. The Uncertificated Pass-Through Rate for each Uncertificated REMIC I Regular Interest identified in the table below shall be the per annum rate set forth in the Pass-Through Rate column of such table. 3. The Uncertificated REMIC I Distribution Amount for each REMIC I Regular Interest identified in the table below shall be, for any Distribution Date, the amount deemed distributed with respect to such Uncertificated REMIC I Regular Interest on such Distribution Date pursuant to the provisions of Section 10.04(a).
----------------------- --------------------------------- ------------------- ------------------- Uncertificated REMIC Related Classes of Certificates Pass-Through Rate Initial Principal I Regular Interest Balance ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- W Class NB-2, Class NB-3 6.00% $ 14,969,000 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- X Class A-P 0.00% $ 304,811.77 ----------------------- --------------------------------- ------------------- ------------------- ----------------------- --------------------------------- ------------------- ------------------- Y Class CB, Class NB-1, Class 6.00% $406,735,525.30 R-II, Class M-1, Class M-2, Class M-3, Class B-1, Class B-2, Class B-3 ----------------------- --------------------------------- ------------------- -------------------
Uncertificated REMIC I Regular Interests Z: Each of the 2,201 uncertificated partial undivided beneficial ownership interests in the Trust Fund, numbered sequentially from 1 to 2,201, each relating to the particular 17 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 2,201 uncertificated partial undivided beneficial ownership interests in REMIC II numbered sequentially from 1 through 2,201 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). Underwriter: Salomon Smith Barney Inc. 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. 18 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 30 years; (iv) To the best of the Company's knowledge, except with respect to 5 Mortgage Loans, representing approximately 0.2% of the principal balance of the Mortgage Loans at origination, 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; 19 (vi) No more than 0.6% of the Group CB Loans by aggregate Stated Principal Balance as of the Cut-off Date are secured by Mortgaged Properties located in any one zip code area in California, and no more than 0.4% of the Group CB 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; and no more than 1.0% of the Group NB 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 0.5% of the Group NB 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 63.27% of the Group CB Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 17.84% of the Group CB Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and approximately 3.34% of the Group CB Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no income/no asset program; and approximately 46.64% of the Group NB Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a reduced loan documentation program, approximately 13.48% of the Group NB Loans by aggregate Stated Principal Balance as of the Cut-off Date were underwritten under a no-stated income program, and 2.90% of the Group NB 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 28.55% of the Group CB Loans by aggregate Stated Principal Balance as of the Cut-off Date, and approximately 11.49% of the Group NB 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; 20 (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); (xv) With respect to each Mortgage Loan originated under a "streamlined" Mortgage Loan program (through which no new or updated appraisals of Mortgaged Properties are obtained in connection with the refinancing thereof), the related Seller has represented that either (a) the value of the related Mortgaged Property as of the date the Mortgage Loan was originated was not less than the appraised value of such property at the time of origination of the refinanced Mortgage Loan or (b) the Loan-to-Value Ratio of the Mortgage Loan as of the date of origination of the Mortgage Loan generally meets the Company's underwriting guidelines; (xvi)Interest on each Mortgage Loan is calculated on the basis of a 360-day year consisting of twelve 30-day months; (xvii) None of the Mortgage Loans contains in the related Mortgage File a Destroyed Mortgage Note; (xviii) No more than 0.1% of the Group CB Loans and none of the Group NB Loans by aggregate Stated Principal Balance as of the Cut-off Date will have been made to International Borrowers, and no such Mortgagor is a member of a foreign diplomatic mission with diplomatic rank; (xix) No Mortgage Loan provides for payments that are subject to reduction by withholding taxes levied by any foreign (non-United States) sovereign government; and (xx) None of the Mortgage Loans are Additional Collateral Loans and none of the Mortgage Loans are Pledged Asset Loans. It is understood and agreed that the representations and warranties set forth in this Section 2.03(b) shall survive delivery of the respective Mortgage Files to the Trustee or any Custodian. Upon discovery by any of the Company, the Master Servicer, the Trustee or any Custodian of a breach of any of the representations and warranties set forth in this Section 2.03(b) that materially and adversely affects the interests of the Certificateholders in any Mortgage Loan, the party discovering such breach shall give prompt written notice to the other parties (any Custodian being so obligated under a Custodial Agreement); provided, however, that in the 21 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. 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. 22 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) 23 ARTICLE III ADMINISTRATION AND SERVICING OF MORTGAGE LOANS (SEE ARTICLE III OF THE STANDARD TERMS) Section 3.01. Master Servicer to Act as Servicer. (See Section 3.01 of the Standard Terms) Section 3.02. Subservicing Agreements Between Master Servicer and Subservicers; Enforcement of Subservicers' and Sellers' Obligations. (See Section 3.02 of the Standard Terms) Section 3.03. Successor Subservicers. (See Section 3.03 of the Standard Terms) Section 3.04. Liability of the Master Servicer. (See Section 3.04 of the Standard Terms) Section 3.05. No Contractual Relationship Between Subservicer and Trustee or Certificateholders. (See Section 3.05 of the Standard Terms) Section 3.06. Assumption or Termination of Subservicing Agreements by Trustee. (See Section 3.06 of the Standard Terms) 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 24 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, the sum of the rates at which the Servicing Fee and the Subservicing Fee with respect to such Mortgage Loan accrues, and the rate at which the Insurance Premium 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) - (d). (See Section 3.07(b) -(d) of the Standard Terms) Section 3.08. Subservicing Accounts; Servicing Accounts. (See Section 3.08 of the Standard Terms) Section 3.09. Access to Certain Documentation and Information Regarding the Mortgage Loans. (See Section 3.09 of the Standard Terms) Section 3.10. Permitted Withdrawals from the Custodial Account. (See Section 3.10 of the Standard Terms) Section 3.11. Maintenance of the Primary Insurance Policies; Collections Thereunder. (See Section 3.11 of the Standard Terms) Section 3.12. Maintenance of Fire Insurance and Omissions and Fidelity Coverage. (See Section 3.12 of the Standard Terms) Section 3.13. Enforcement of Due-on-Sale Clauses; Assumption and Modification Agreements; Certain Assignments. (See Section 3.13 of the Standard Terms) Section 3.14. Realization Upon Defaulted Mortgage Loans. (See Section 3.14 of the Standard Terms) Section 3.15. Trustee to Cooperate; Release of Mortgage Files. (See Section 3.15 of the Standard Terms) Section 3.16. Servicing and Other Compensation; Compensating Interest. (See Section 3.16 of the Standard Terms) Section 3.17. Reports to the Trustee and the Company. (See Section 3.17 of the Standard Terms) 25 Section 3.18. Annual Statement as to Compliance. (See Section 3.18 of the Standard Terms) Section 3.19. Annual Independent Public Accountants' Servicing Report. (See Section 3.19 of the Standard Terms) Section 3.20. Rights of the Company in Respect of the Master Servicer. (See Section 3.20 of the Standard Terms) Section 3.21. Administration of Buydown Funds. (See Section 3.21 of the Standard Terms) 26 ARTICLE IV PAYMENTS TO CERTIFICATEHOLDERS Section 4.01. Certificate Account. (a) (See Section 4.01(a) of the Standard Terms) (b) (See Section 4.01(b) of the Standard Terms) (c) On the Closing Date, the Master Servicer shall deposit with the Trustee, and the Trustee shall cause to be deposited into the Certificate Account, an amount equal to $343,000, which amount will be included in the Available Distribution Amount for the Group CB Loans on the first Distribution Date and treated as the principal portion of the Purchase Price of a Group CB Loan purchased in the month of October 2002. On the Certificate Account Deposit Date in November 2002, the Master Servicer shall deposit with the Trustee, and the Trustee shall cause to be deposited into the Certificate Account, an additional amount equal to $1,794.90, which amount will be included in the Available Distribution Amount for the Group CB Loans on the first Distribution Date and treated as the interest portion of the Purchase Price of a Group CB Loan purchased in the month of October 2002. 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 first to the Certificate Insurer the Insurance Premium and then, in accordance with the priorities set forth below, to the Master Servicer, in the case of a distribution pursuant to Section 4.02(a)(iv) below, the amount required to be distributed to the Master Servicer or a Sub-Servicer pursuant to Section 4.02(a)(iv) below, to the Certificate Insurer, in the case of a distribution pursuant to Section 4.02(a)(xvii) below, the amount required to be distributed to the Certificate Insurer pursuant to Section 4.02(a)(xvii), 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), (d), (e) and (f) below), in each case to the extent of the related or specified Available Distribution Amount remaining in the case of clauses (i) through (iii), and to the extent of the Available Distribution Amount for each Loan Group, in the case of clauses (iv) through (xviii) together with, as to any Retail Certificate, any 27 Reserve Fund Withdrawal pursuant to Section 4.09 of this Series Supplement and any Insured Payment pursuant to Section 12.02 of this Series Supplement: (i) (X) from the Available Distribution Amount related to the CB Loan Group, to the Class CB Certificateholders Accrued Certificate Interest on such Class of 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); (Y) from the Available Distribution Amount related to the NB Loan Group, to the Class NB Certificateholders and Residual Certificateholders 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 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 (Z) from the Available Distribution Amount derived from the related Loan Group, on a parity with the distributions in Sections 4.02(a)(i)(X) and 4.02(a)(i)(Y), as applicable, to the Class A-V Certificates (or Subclasses, if any) in proportion to the respective amounts of Accrued Certificate Interest thereon derived from each Loan Group, Accrued Certificate Interest on the Class A-V Certificates (or Subclasses, if any) with respect to such Distribution Date and derived from the related Loan Group, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date with respect to such Loan Group except as provided in the last paragraph of this Section 4.02(a); (ii) (X) to the Class A-P Certificates, from the Available Distribution Amount for each Loan Group in proportion to the respective amounts of the Class A-P Principal Distribution Amount derived from each Loan Group, the Class A-P Principal Distribution Amount (applied to reduce the Certificate Principal Balances of such Senior Certificates); 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), (c) and (d), the sum of the following (applied to reduce the Certificate Principal Balances of such Senior Certificates, as applicable): (A) the related 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 in the related Loan Group (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 28 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 in the related Loan Group 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 in such Loan Group 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 with respect to the related Loan Group (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 in the related Loan Group 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 related 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 related 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 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 related Senior Accelerated Distribution Percentage for such Distribution Date times the aggregate of all Principal Prepayments in Full 29 with respect to the related Loan Group received in the related Prepayment Period and Curtailments with respect to the related Loan Group 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 portion of the Excess Subordinate Principal Amount for such Distribution Date allocated to the related Loan Group; 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; and (Z) to the Holders of the Class CB or Class NB Certificates, as applicable, amounts required to be distributed pursuant to Section 4.02(c); (iii)if the aggregate Certificate Principal Balance of the Class CB Certificates or Class NB Certificates and Residual Certificates is greater than the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group (other than the related Discount Fraction of each Discount Mortgage Loan in the related Loan Group) and the Class M Certificates or Class B Certificates are still outstanding, in each case after giving effect to distributions to be made on such Distribution Date, to the Holders of such Class or Classes of Class CB Certificates or Class NB and Residual Certificates, as applicable, an amount equal to one month's interest at a rate equal to the Discount Net Mortgage Rate on the amount of the difference between the aggregate Certificate Principal Balance of such Class or Classes of Class CB Certificates or Class NB Certificates and Residual Certificates, as the case may be, and the aggregate Stated Principal Balance of its related Loan Group, from the Available Distribution Amount for the other Loan Group with respect to which the aggregate Stated Principal Balance of the Mortgage Loans in that Loan Group are not less than the aggregate Certificate Principal Balance of the related Classes of Senior Certificates, applied first to pay Accrued Certificate Interest on such Class or Classes of Class CB Certificates or Class NB Certificates and Residual Certificates on a pro rata basis to the extent not paid on such Distribution Date pursuant to Section 4.02(a)(i), and then to pay principal on such Class or Classes of Class CB Certificates or Class NB Certificates and Residual Certificates in accordance with the priorities set forth in Section 4.02(b), until the Certificate Principal Balance of such Class CB Certificates or Class NB Certificates and Residual Certificates is equal to the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group; (iv) 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 30 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; (v) 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; (vi) 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 each Loan Group 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)(viii), (x), (xii), (xiv), (xv) and (xvi) of this Series Supplement are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-1 Certificates; (vii) 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; (viii) 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 each Loan Group 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) (x), (xii), (xiv), (xv) and (xvi) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-2 Certificates; (ix) 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; (x) 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 each Loan Group 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)(xii), (xiv), (xv) and (xvi) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class M-3 Certificates; (xi) 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; (xii) 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 each Loan Group 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 31 amounts available pursuant to clause (x) of Sections 4.02(a)(xiv), (xv) and (xvi) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-1 Certificates; (xiii) 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; (xiv) 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 each Loan Group 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)(xv) and (xvi) are insufficient therefor, applied in reduction of the Certificate Principal Balance of the Class B-2 Certificates; (xv) to the Holders of the Class B-3 Certificates, an amount equal to (x) the Accrued Certificate Interest thereon for such Distribution Date, plus any Accrued Certificate Interest thereon remaining unpaid from any previous Distribution Date, except as provided below, minus (y) the amount of any Class A-P Collection Shortfalls for such Distribution Date or remaining unpaid for all previous Distribution Dates, to the extent the amounts available pursuant to clause (x) of Section 4.02(a) (xvi) are insufficient therefor; (xvi) 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 each Loan Group 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; (xvii) to the Certificate Insurer, as subrogee of the Retail Certificateholders, an amount necessary to reimburse the Certificate Insurer for claims paid under the Certificate Policy, to the extent of Cumulative Insurance Payments on the Retail Certificates; (xviii) 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 Amounts for each Loan Group remaining after the foregoing distributions, together with Rounding Account withdrawals with respect to the Retail Certificates, 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 Amounts for each Loan Group remaining after the Senior Certificates have been retired, applied to reduce the Certificate Principal Balance of each such Class of Subordinate Certificates, but in 32 no event more than the outstanding Certificate Principal Balance of each such Class of Subordinate Certificates; and (xix) to the Class R-I Certificates, the balance, if any, of the Available Distribution Amounts for each Loan Group. 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; (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 33 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, concurrently with the distributions described in clause (iii) below, from the Available Distribution Amount for the CB Loan Group, the Class CB Principal Distribution Amount shall be distributed to the Class CB Certificates until the Certificate Principal Balance thereof has been reduced to zero; and (iii) third, concurrently with the distribution described in clause (ii) above, the Class NB 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; (B) second, beginning on the Distribution Date in November 2005, an amount equal to $15,000, to the extent available, to the Class NB-2 Certificates, until the Certificate Principal Balance of the Class NB-2 Certificates has been reduced to zero; (C) third, to the Class NB-1 Certificates, until the Certificate Principal Balance of the Class NB-1 Certificates has been reduced to zero; and (D) fourth, to the Class NB-2 Certificates, until the Certificate Principal Balance of the Class NB-2 Certificates has been reduced to zero. Any amounts paid under the Certificate Policy pursuant to Section 12.02 in respect of principal shall be distributed to the Holders of the Retail Certificates only. (c) Prior to the occurrence of the Credit Support Depletion Date but after the reduction of the Certificate Principal Balances of the Class CB Certificates or Class NB Certificates and Residual Certificates to zero, the remaining Class CB Certificates or Class NB Certificates and Residual Certificates, as applicable, will be entitled to receive, in addition to any Mortgagor prepayments related to such Certificates' respective Loan Group, 100% of the Mortgagor prepayments on 34 the Mortgage Loans in the other Loan Group, and in accordance with the priorities set forth in clause (b) above, and in reduction of the Certificate Principal Balances thereof, on any Distribution Date unless (i) the weighted average of the Subordinate Percentages for both Loan Groups, weighted on the basis of the Stated Principal Balances of the Mortgage Loans in the related Loan Group, is at least two times the weighted average of the initial Subordinate Percentages for both Loan Groups (calculated on such basis) and (ii) the outstanding principal balance of the Mortgage Loans in both Loan Groups 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%. In addition, on any Distribution Date prior to the Credit Support Depletion Date on which the aggregate Certificate Principal Balance of the Class CB Certificates or Class NB Certificates and Residual Certificates, as applicable, is greater than the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group in each case after giving effect to distributions to be made on such Distribution Date, 100% of the Mortgagor prepayments allocable to the Subordinate Certificates on the Mortgage Loans in the other Loan Group will be distributed to such class or classes of Class CB Certificates or Class NB Certificates and Residual Certificates, as applicable, and in accordance with the priorities set forth in clause (b) above, and in reduction of the Certificate Principal Balances thereof, until the aggregate Certificate Principal Balance of such Class or Classes of Certificates equals the aggregate Stated Principal Balance of the Mortgage Loans in the related Loan Group. (d) On or after the Credit Support Depletion Date, all priorities relating to distributions as described in Section 4.02(b) above in respect of principal among the various classes of Senior Certificates (other than the Class A-P Certificates) will be disregarded, and instead, (i) the remaining Class CB Principal Distribution Amount will be distributed to the Class CB Certificates, (ii) the remaining Class NB Principal Distribution Amount will be distributed to the Class NB Certificates and Residual Certificates, on a pro rata basis in accordance with their respective outstanding Certificate Principal Balances, (iii) the amount set forth in Section 4.02(a)(i) will be distributed as set forth therein, and (iv) an amount equal to the Discount Fraction of the principal portion of scheduled payments and unscheduled collections received or advanced in respect of Discount Mortgage Loans will be distributed to the Class A-P Certificates, from the Available Distribution Amount for each Loan Group in proportion to the respective amounts of the Class A-P Principal Distribution Amount derived from each Loan Group. (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 for each Loan Group 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 Subordinate Certificates with a Certificate Principal 35 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 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) Notwithstanding the priorities relating to distributions of principal to the holders of the Retail Certificates described above, on any Distribution Date, distributions in respect of principal on the Retail Certificates will be allocated among the Certificate Owners of the Retail Certificates as set forth in Section 4.10. On each Distribution Date on which amounts are available for distributions in reduction of the Certificate Principal Balance of the Retail Certificates, the aggregate amount available for such distributions will be rounded upward by the Rounding Amount. Such rounding will be accomplished on the 36 first Distribution Date on which distributions in reduction of the Certificate Principal Balance of the Retail Certificates are made by withdrawing from the Rounding Account the Rounding Amount for deposit into the Certificate Account, and such Rounding Amount will be added to the amount that is available for distributions in reduction of the Certificate Principal Balance of the Retail Certificates. On each succeeding Distribution Date on which distributions in reduction of the Certificate Principal Balance of the Retail Certificates are made, first, the aggregate amount available for distribution in reduction of the Certificate Principal Balance of the Retail Certificates will be applied to repay the Rounding Amount withdrawn from the Rounding Account on the prior Distribution Date and then, the remainder of such allocable amount, if any, will be similarly rounded upward through another withdrawal from the Rounding Account and such determined Rounding Amount will be added to the amount that is available for distributions in reduction of the Certificate Principal Balance of the Retail Certificates. Any funds remaining in the Rounding Account after the Certificate Principal Balance of the Retail Certificates is reduced to zero shall be distributed to the Class R Certificateholders. Section 4.03. Statements to Certificateholders; Exchange Act Reporting. (a) - (d). (See Section 4.03(a) - (d) of the Standard Terms) (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 shown on the Certificate Register as of the end of each calendar year, (II) copies of all pleadings, other legal process and any other documents relating to any claims, charges or complaints involving the Trustee, as trustee hereunder, or the Trust Fund that are received by the Trustee, (III) notice of all matters that, to the actual knowledge of a Responsible Officer of the Trustee, have been submitted to a vote of the Certificateholders, other than those matters that have been submitted to a vote of the Certificateholders at the request of the Depositor or the Master Servicer, and (IV) notice of any failure of the Trustee to make any distribution to the Certificateholders as required pursuant to this Series Supplement. 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 Section 4.03(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 Six hereto or such other form as may be required or permitted by the Commission (the "Form 10-K Certification"), in compliance with Rules 13a-14 and 15d-14 under the Exchange Act and any additional directives of the Commission. In connection with the Form 10-K Certification, the Trustee shall provide the Master Servicer with a back-up certification substantially in the form attached hereto as Exhibit Seven. This Section 4.03(e) may be amended in accordance with this Agreement without the consent of the Certificateholders. 37 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, the 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, (ii) the amounts required to be withdrawn from the Custodial Account, the Reserve Fund or the Rounding Account and deposited into the Certificate Account on the immediately succeeding Certificate Account Deposit Date, (iii) the amount of Cumulative Insurance Payments as of such Determination Date, and (iv) the amounts required to be withdrawn from the Rounding Account; provided, however, that the Master Servicer shall provide to the Trustee a written statement setting forth the portion of the Senior Principal Distribution Amount distributable to the Retail Certificates on any Distribution Date no later than 12:00 Noon New York time on the Business Day immediately preceding each Determination Date to enable the Trustee to notify the Certificate Insurer in accordance with Section 12.02. 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. (b). (See Section 4.04(b) of the Standard Terms) Section 4.05. Allocation of Realized Losses. Prior to each Distribution Date, the Master Servicer shall determine the total amount of Realized Losses, if any, that resulted from any Cash Liquidation, Servicing Modification, Debt Service Reduction, Deficient Valuation or REO Disposition that occurred during the related Prepayment Period or, in the case of a Servicing Modification that constitutes a reduction of the interest rate on a Mortgage Loan, the amount of the reduction in the interest portion of the Monthly Payment due during the related Due Period. The amount of each Realized Loss shall be evidenced by an Officers' Certificate. All Realized Losses, other than Excess Special Hazard Losses, Extraordinary Losses, Excess Bankruptcy Losses or Excess Fraud Losses, shall be allocated as follows: first, to the Class B-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; second, to the Class B-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; third, to the Class B-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fourth, to the Class M-3 Certificates until the Certificate Principal Balance thereof has been reduced to zero; fifth, to the Class M-2 Certificates until the Certificate Principal Balance thereof has been reduced to zero; sixth, to the Class M-1 Certificates until the Certificate Principal Balance thereof has been reduced to zero; and, thereafter, if any such Realized Losses are on a Discount Mortgage Loan, to the Class A-P Certificates in an amount equal to the Discount Fraction of the principal portion thereof, and the remainder of such Realized Losses on the Discount Mortgage Loans and the entire amount of such Realized Losses on Non-Discount Mortgage Loans will be allocated among all the Class CB Certificates (in the case of a Group CB Loan) or among the Class NB Certificates and the Residual Certificates (in the case of a Group NB Loan), and the Class A-V Certificates (in the case of the interest portion of a Realized Loss on a Mortgage Loan in either Loan Group) on a pro rata basis, as 38 described below. The principal portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses on Discount Mortgage Loans will be allocated to the Class A-P Certificates in an amount equal to the Discount Fraction thereof and the Class CB Percentage or Class NB Percentage (as applicable) of the remainder of the principal portion of such losses (including the principal portion of such losses on Non-Discount Mortgage Loans) will be allocated among the Class CB Certificates and Class A-V Certificates (in the case of a Group CB Loan) on a pro rata basis, or among the Class NB, Residual and Class A-V Certificates (in the case of a Group NB Loan) on a pro rata basis, as described below; and the remainder of the principal portion of such Realized Losses will be allocated among the Subordinate Certificates, on a pro rata basis, as described below. The interest portion of any Excess Special Hazard Losses, Excess Bankruptcy Losses, Excess Fraud Losses and Extraordinary Losses will be allocated to all the Certificates on a pro rata basis. As used herein, an allocation of a Realized Loss on a "pro rata basis" among two or more specified Classes of Certificates means an allocation on a pro rata basis, among the various Classes so specified, to each such Class of Certificates on the basis of their then outstanding Certificate Principal Balances derived from the related Loan Group 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 from the related Loan Group in respect of such Distribution Date and derived from the related Loan Group (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. Any allocation of the principal portion of Realized Losses (other than Debt Service Reductions) to the Subordinate Certificates then outstanding with the Lowest Priority shall be made by operation of the definition of "Certificate Principal Balance" and by operation of the provisions of Section 4.02(a). Allocations of the interest portions of Realized Losses shall be made in proportion to the amount of Accrued Certificate Interest and by operation of the definition of "Accrued Certificate Interest" and by operation of the provisions of Section 4.02(a). Allocations of the principal portion of Debt Service Reductions shall be made by operation of the provisions of Section 4.02(a). All Realized Losses and all other losses allocated to a Class of Certificates hereunder will be allocated among the Certificates of such Class in proportion to the Percentage Interests evidenced thereby; provided that if any Subclasses of the Class A-V Certificates have been issued pursuant to Section 5.01(c), such Realized Losses and other losses allocated to the Class A-V Certificates shall be allocated among such Subclasses in proportion to the respective amounts of Accrued Certificate Interest payable on such Distribution Date that would have resulted absent such reductions. 39 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) Section 4.09. Reserve Fund No later than the Closing Date, the Trustee will establish and maintain the Reserve Fund. On the Closing Date the Underwriter shall deposit with the Trustee, and the Trustee shall deposit into the Reserve Fund, cash in an amount equal to the Reserve Fund Deposit. The Master Servicer shall direct the Trustee in writing on each Distribution Date to withdraw amounts on deposit in the Reserve Fund for deposit into the Certificate Account, and to pay to the holders of any Retail Certificates pursuant to Section 4.02(a), the amount of Prepayment Interest Shortfalls and Relief Act Shortfalls otherwise allocable to any Retail Certificates pursuant to the definition of Accrued Certificate Interest (to the extent not offset by the Master Servicer pursuant to Section 3.16(e) of this Series Supplement), and to the extent of funds on deposit in the Reserve Fund (the amount of such withdrawal for any Distribution Date, the "Reserve Fund Withdrawal"). For federal income tax purposes, the Underwriter shall be the owner of the Reserve Fund and shall report all items of income, deduction, gain or loss arising therefrom. Notwithstanding anything herein to the contrary, the Reserve Fund shall not be an asset of any REMIC. The Reserve Fund shall be invested in Permitted Investments at the direction of the Underwriter. All income and gain realized from investment of funds deposited in the Reserve Fund shall be deposited in the Reserve Fund for the sole use and exclusive benefit of the Reserve Fund. The amount of any loss incurred in respect of any such investments shall be deposited in the Reserve Fund by the Underwriter out of its own funds immediately as realized without any right of reimbursement. The balance, if any, remaining in the Reserve Fund on the Distribution Date on which the Certificate Principal Balance of the Retail Certificates is reduced to zero will be distributed by the Trustee to the Underwriter. To the extent that the Reserve 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 and (2) it shall be owned by the Underwriter, all within the meaning of Section 1.860G-2(h) of the Treasury Regulations. The Reserve Fund may not be owned by more than one person. Section 4.10. Rounding Account. No later than the Closing Date, the Trustee will establish and maintain with itself a segregated trust account that is an Eligible Account, which shall be titled "Rounding Account, Deutsche Bank Trust Company Americas, as trustee for the registered holders of Residential Accredit Loans, Inc., Mortgage Asset-Backed Pass-Through Certificates, Series 2002-QS15, Class NB-2." On the Closing Date, the Underwriter shall deposit with the Trustee, and the Trustee shall deposit into the Rounding Account, cash in an amount equal to $999.99. 40 The Trustee on each Distribution Date shall, based upon information provided by the Master Servicer for the related Distribution Date, withdraw funds from the Rounding Account to pay the Rounding Amount to the Holders of the Retail Certificates pursuant to Section 4.02(i). In addition, the Trustee on each Distribution Date shall, based upon information provided by the Master Servicer for the related Distribution Date, withdraw funds from the Certificate Account to repay to the Rounding Account the Rounding Amount from the prior Distribution Date as contemplated in Section 4.02(i). Section 4.11. Principal Distributions on the Retail Certificates. Distributions in reduction of the Certificate Principal Balance of the Retail Certificates will be made in integral multiples of $1,000 at the request of the appropriate representatives of Deceased Holders of such Retail Certificates and at the request of Living Owners of such Retail Certificates or by mandatory distributions by Random Lot, pursuant to clauses (a) and (d) below, or on a pro rata basis pursuant to clause (e) below. (a) On each Distribution Date on which distributions in reduction of the Certificate Principal Balance of the Retail Certificates are made, such distributions will be made in the following priority among the Certificate Owners of the Retail Certificates: (i) any request by the personal representatives of a Deceased Holder or by a surviving tenant by the entirety, by a surviving joint tenant or by a surviving tenant in common, but not exceeding an aggregate amount of $100,000 per request; and (ii) any request by a Living Owner, but not exceeding an aggregate amount of $10,000 per request. Thereafter, distributions will be made, with respect to the Retail Certificates, as provided in clauses (i) and (ii) above up to a second $100,000 and $10,000, respectively. This sequence of priorities will be repeated for each request for principal distributions made by the Certificate Owners of the Retail Certificates until all such requests have been honored. Requests for distributions in reduction of the Certificate Principal Balance of the Retail Certificates presented on behalf of Deceased Holders in accordance with the provisions of clause (i) above will be accepted in order of their receipt by the Depository. Requests for distributions in reduction of the Certificate Principal Balance of the Retail Certificate presented in accordance with the provisions of clause (ii) above will be accepted in the order of their receipt by the Depository after all requests presented in accordance with clause (i) have been honored. All requests for distributions in reduction of the Certificate Principal Balance of the Retail Certificates will be accepted in accordance with the provisions set forth in Section 4.11(c). All requests for distributions in reduction of the Certificate Principal Balance of the Retail Certificates with respect to any Distribution Date must be received by the Depository and on the Depository's "participant terminal system" and received by the Trustee no later than the close of business on the related Record Date. Requests for distributions that are on the Depository's participant terminal system and received by the Trustee after the related Record Date and requests, in either case, for distributions not accepted with respect to any Distribution Date, will be treated as requests for distributions in reduction of the 41 Certificate Principal Balance of Retail Certificates on the next succeeding Distribution Date, and each succeeding Distribution Date thereafter, until such request is accepted or is withdrawn as provided in Section 4.11(c). Such requests as are not so withdrawn shall retain their order of priority without the need for any further action on the part of the appropriate Certificate Owner of the related Retail Certificate, all in accordance with the procedures of the Depository and the Trustee. Upon the transfer of the beneficial ownership of any Retail Certificate, any distribution request previously submitted with respect to such Certificate will be deemed to have been withdrawn only upon the receipt by the Trustee on or before the Record Date for such Distribution Date of notification of such withdrawal in the manner set forth in Section 4.11(c) on the Depository's participant terminal system. Distributions in reduction of the Certificate Principal Balance of the Retail Certificates will be applied in an amount equal to the Senior Principal Distribution Amount allocable to such Class pursuant to Section 4.02(b), plus, with respect to the Retail Certificates, any amounts available for distribution from the Rounding Account established as provided in Section 4.10, provided that the aggregate distribution in reduction of the Certificate Principal Balance of the Retail Certificates on any Distribution Date shall be made in an integral multiple of $1,000. To the extent that the portion of the Senior Principal Distribution Amount allocable to distributions in reduction of the Certificate Principal Balance of the Retail Certificates on any Distribution Date exceeds the aggregate Certificate Principal Balance of the Retail Certificates with respect to which distribution requests, as set forth above, have been received (plus any amounts required to be distributed pursuant to the Rounding Account with respect to the Retail Certificates), distributions in reduction of the Certificate Principal Balance of the Retail Certificates will be made by mandatory distribution pursuant to Section 4.11(d). (b) A Retail Certificate shall be deemed to be held by a Deceased Holder for purposes of this Section 4.11 if the death of the Certificate Owner thereof is deemed to have occurred. Retail Certificates beneficially owned by tenants by the entirety, joint tenants or tenants in common will be considered to be beneficially owned by a single owner. The death of a tenant by the entirety, joint tenant or tenant in common will be deemed to be the death of the Certificate Owner, and the Retail Certificates so beneficially owned will be eligible for priority with respect to distributions in reduction of the Certificate Principal Balance thereof, subject to the limitations stated above. Retail Certificates beneficially owned by a trust will be considered to be beneficially owned by each beneficiary of the trust to the extent of such beneficiary's beneficial interest therein, but in no event will a trust's beneficiaries collectively be deemed to be Certificate Owners of a number of Individual Retail Certificates of which such trust is the owner. The death of a beneficiary of a trust will be deemed to be the death of a Certificate Owner of the Retail Certificates, as applicable, owned by the trust to the extent of such beneficiary's beneficial interest in such trust. The death of an individual who was a tenant by the entirety, joint tenant or tenant in common in a tenancy which is the beneficiary of a trust will be deemed to be the death of the beneficiary of such trust. The death of a person who, during his or her lifetime, was entitled to substantially all of the beneficial ownership interests in Individual Retail Certificates will be deemed to be the death of the Certificate Owner of the Retail Certificates regardless of the registration of ownership, if such beneficial interest can be established to the satisfaction of the Depository Participant. Such beneficial interest will be deemed to exist 42 in typical cases of street name or nominee ownership, ownership by a trustee, ownership under the Uniform Gifts to Minors Act and community property or other joint ownership arrangements between a husband and wife. Certificate beneficial interests shall include the power to sell, transfer or otherwise dispose of a Retail Certificate and the right to receive the proceeds therefrom, as well as interest and distributions in reduction of the Certificate Principal Balance of the Retail Certificates, as applicable, payable with respect thereto. The Trustee shall not be under any duty to determine independently the occurrence of the death of any deceased Certificate Owner. The Trustee may rely entirely upon documentation delivered to it pursuant to Section 4.10(c) in establishing the eligibility of any Certificate Owner to receive the priority accorded Deceased Holders in Section 4.11(a). (c) Requests for distributions in reduction of the Certificate Principal Balance of Retail Certificates must be made by delivering a written request therefor to the Depository Participant or Indirect Depository Participant that maintains the account evidencing such Certificate Owner's interest in Retail Certificates. In the case of a request on behalf of a Deceased Holder, appropriate evidence of death and any tax waivers are required to be forwarded to the Depository Participant under separate cover. The Depository Participant shall forward a certification, satisfactory to the Trustee, certifying the death of the Deceased Holder and the receipt of the appropriate evidence of death and tax waivers. The Depository Participant should in turn make the request of the Depository (or, in the case of an Indirect Depository Participant, such Indirect Depository Participant must notify the related Depository Participant of such request, which Depository Participant should make the request of the Depository) on the Depository's participant terminal system. The Depository may establish such procedures as it deems fair and equitable to establish the order of receipt of requests for such distributions received by it on the same day. None of the Company, the Master Servicer or the Trustee shall be liable for any delay in delivery of requests for distributions or withdrawals of such requests by the Depository, a Depository Participant or any Indirect Depository Participant. The Depository shall maintain a list of those Depository Participants representing the appropriate Certificate Owners of Retail Certificates that have submitted requests for distributions in reduction of the Certificate Principal Balance of Retail Certificates, together with the order of receipt and the amounts of such requests on the Depository's participant terminal system. The Depository will honor requests for distributions in the order of their receipt (subject to the priorities described in Section 4.11(a) above). The Trustee shall notify the Depository as to which requests should be honored on each Distribution Date at least two Business Days prior to such Distribution Date based on the report received by the Trustee pursuant to Section 4.04 and shall notify the Depository as to the amount of the Senior Principal Distribution Amount to be distributed to the Retail Certificates by Random Lot pursuant to Section 4.11(d). Requests shall be honored by the Depository in accordance with the procedures, and subject to the priorities and limitations, described in this Section 4.11. The exact procedures to be followed by the Trustee and the Depository for purposes of determining such priorities and limitations will be those established from time to time by the Trustee or the Depository, as the case may be. The decisions of the Trustee and the Depository concerning such matters will be final and binding on all affected persons. 43 Individual Retail Certificates that have been accepted for a distribution shall be due and payable on the applicable Distribution Date. Such Certificates shall cease to bear interest after the last day of the month preceding the month in which such Distribution Date occurs. Any Certificate Owner of a Retail Certificate that has requested a distribution may withdraw its request by so notifying in writing the Depository Participant or Indirect Depository Participant that maintains such Certificate Owner's account. In the event that such account is maintained by an Indirect Depository Participant, such Indirect Depository Participant must notify the related Depository Participant which in turn must forward the withdrawal of such request on the Depository's participant terminal system. If such withdrawal of a request for distribution has not been received on the Depository's participant terminal system on or before the Record Date for the next Distribution Date, the previously made request for distribution will be irrevocable with respect to the making of distributions in reduction of the Certificate Principal Balance of the Retail Certificates on such Distribution Date. In the event any requests for distributions in reduction of the Certificate Principal Balance of the Retail Certificates are rejected by the Trustee for failure to comply with the requirements of this Section 4.11, the Trustee shall return such request to the appropriate Depository Participant with a copy to the Depository with an explanation as to the reason for such rejection. (d) To the extent, if any, that distributions in reduction of the Certificate Principal Balance of the Retail Certificates on a Distribution Date exceed the outstanding Certificate Principal Balance of the Retail Certificates with respect to which distribution requests have been received by the related Record Date, as provided in Section 4.10(a) above, the additional distributions in reduction of the Certificate Principal Balance of the Retail Certificates will be made by mandatory distributions in reduction thereof. Such mandatory distributions on Individual Retail Certificates will be made by Random Lot in accordance with the then-applicable Random Lot procedures of the Depository, the Depository Participants and the Indirect Depository Participants representing the Certificate Owners. The Trustee shall notify the Depository of the aggregate amount of the mandatory distribution in reduction of the Certificate Principal Balance of the Retail Certificates to be made on any such Distribution Date. The Depository shall then allocate such aggregate amount among its Depository Participants on a Random Lot basis. Each Depository Participant and, in turn, each Indirect Depository Participant will then select, in accordance with its own procedures, Individual Retail Certificates from among those held in its accounts to receive mandatory distributions in reduction of the Certificate Principal Balance of the Retail Certificates, such that the total amount so selected is equal to the aggregate amount of such mandatory distributions allocated to such Depository Participant by the Depository and to such Indirect Depository Participant by its related Depository Participant, as the case may be. Depository Participants and Indirect Depository Participants that hold Retail Certificates selected for mandatory distributions in reduction of the Certificate Principal Balance thereof are required to provide notice of such mandatory distributions to the affected Certificate Owners. The Master Servicer agrees to notify the Trustee of the amount of distributions in reduction of the Certificate Principal Balance of the Retail Certificates to be made on each Distribution Date in a timely manner such that the Trustee may fulfill its obligations pursuant to the letter of representations dated the Closing Date among the Company, the Trustee and the Depository. 44 (e) Notwithstanding any provisions herein to the contrary, on any Distribution Date on which any Realized Losses are allocated to the Retail Certificates, distributions in reduction of the Certificate Principal Balance of the Retail Certificates will be made pro rata on the basis of their respective Percentage Interests with the respect to the Retail Certificates among the Certificate Owners of the Retail Certificates and will not be made in integral multiples of $1,000 nor pursuant to requests for distribution as permitted by this Section 4.11 or mandatory distributions by Random Lot. (f) In the event that Definitive Certificates representing the Retail Certificates are issued pursuant to Section 5.01 of the Standard Terms, an amendment to this Agreement, which may be approved without the consent of any Certificateholders, shall establish procedures relating to the manner in which distributions in reduction of the Certificate Principal Balance of such Retail Certificates are to be made; provided that such procedures shall be consistent, to the extent practicable and customary for certificates similar to the Retail Certificates, with the provisions of this Section 4.11. 45 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) 46 ARTICLE VI THE COMPANY AND THE MASTER SERVICER (SEE ARTICLE VI OF THE STANDARD TERMS) 47 ARTICLE VII DEFAULT (SEE ARTICLE VII OF THE STANDARD TERMS) 48 ARTICLE VIII CONCERNING THE TRUSTEE (SEE ARTICLE VIII OF THE STANDARD TERMS) 49 ARTICLE IX TERMINATION (SEE ARTICLE IX OF THE STANDARD TERMS) 50 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 (except for the Reserve Fund and the Initial Monthly Payment 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 CB, Class NB-1, Class NB-2, Class NB-3, 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). 51 (b)The amount described in Section 10.04(a)(ii) shall be deemed distributed to (i) Uncertificated REMIC I Regular Interest W, (ii) Uncertificated REMIC I Regular Interest X, and (iii) 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 NB-2 and Class NB-3 Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest W; (iii) Realized Losses allocated to the Class A-P Certificates under Section 4.05 shall be deemed allocated to Uncertificated REMIC I Regular Interest X; (iv) Realized Losses allocated to the Class NB-1, Class NB-2, 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 (v) 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 52 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. 53 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, the Certificate Insurer 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-QS15 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 ---------------------------------- -------------------------------------------------------------- ---------------------------------- -------------------------------------------------------------- Standard & Poor's Ratings 55 Water Street Services 41st Floor New York, New York 10041 ---------------------------------- -------------------------------------------------------------- ---------------------------------- -------------------------------------------------------------- Fitch Ratings One State Street Plaza New York, New York 10004 ---------------------------------- -------------------------------------------------------------- ---------------------------------- -------------------------------------------------------------- Certificate Insurer 113 King Street Armonk, New York 10504 Attention: Insured Portfolio Management--Structured Finance (RALI Series 2002-QS15) ---------------------------------- --------------------------------------------------------------
54 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. In each case in which a notice or other communication to the Certificate Insurer refers to a Certificate Insurer Default or a claim under the Certificate Policy or with respect to which failure on the part of the Certificate Insurer to respond shall be deemed to constitute consent or acceptance, then a copy of such notice or other communication should also be sent to the attention of the General Counsel of the Certificate Insurer and shall be marked to indicate "URGENT MATERIAL ENCLOSED." 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. 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 Scheduled Final Distribution Date, 55 (j) the repurchase of or substitution for any Mortgage Loan, and (k) any Certificate Insurer Default that has not been cured. 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. (See Section 11.07 of the Standard Terms) Section 11.08. Supplemental Provisions for Resecuritization. (See Section 11.08 of the Standard Terms) Section 11.09. Allocation of Voting Rights. 97% of all of the Voting Rights shall be allocated among Holders of Certificates, other than the Interest Only Certificates and Class R Certificates, in proportion to the outstanding Certificate Principal Balances of their respective Certificates, except that the Certificate Insurer shall be assigned the Voting Rights of the Retail Certificateholders in the absence of any continuing Certificate Insurer Default; 1% of all Voting Rights shall be allocated among the Holders of the Class NB-3 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. 56 ARTICLE XII CERTAIN MATTERS REGARDING THE CERTIFICATE INSURER Section 12.01. Rights of the Certificate Insurer To Exercise Rights of Retail Certificateholders. By accepting its Certificate, each Retail Certificateholder agrees that unless a Certificate Insurer Default exists, the Certificate Insurer shall have the right to exercise all consent, voting, direction and other control rights of the Retail Certificateholders under this Agreement without any further consent of the Retail Certificateholders. Section 12.02.Claims Upon the Certificate Policy; Certificate Insurance Account. (a) If, on any Determination Date, the Master Servicer determines that (i) the funds that will be on deposit in the Certificate Account on the related Certificate Account Deposit Date, to the extent distributable to any Retail Certificateholders pursuant to Section 4.02(a)(i), together with any Reserve Fund Withdrawal for the related Distribution Date, are insufficient to pay the full amount of interest for the related Interest Accrual Period on the Certificate Principal Balance of the Retail Certificates at the related Pass-Through Rate (net of any Prepayment Interest Shortfalls allocated to the Retail Certificates to the extent covered by the Master Servicer or the Reserve Fund and any Relief Act Shortfalls allocated to the Retail Certificates that were otherwise covered by the Reserve Fund) on such Distribution Date, (ii) the principal portion of any Realized Losses are allocated to the Retail Certificates on such Distribution Date or (iii) the funds that will be on deposit in the Certificate Account, to the extent distributable to the Retail Certificateholders with respect to principal on the Scheduled Final Distribution Date will be insufficient to reduce the Certificate Principal Balance of the Retail Certificates to zero, the Master Servicer shall deliver to the Trustee not later than 1:00 p.m. New York City time on the Determination Date a certificate signed by a Servicing Officer directing the Trustee to draw on the Certificate Policy and stating the amount to be drawn and stating the Insured Payment for each Retail Certificate, and the Trustee shall give notice by telephone or telecopy of the aggregate amount of such deficiency, confirmed in writing in the form set forth as Exhibit A to the Certificate Policy, to the Certificate Insurer and the Fiscal Agent (as defined in the Certificate Policy), if any, at or before 12:00 noon, New York City time, on the second Business Day prior to such Distribution Date. If, subsequent to such notice, and prior to payment by the Certificate Insurer pursuant to such notice, additional amounts are deposited in the Certificate Account, the Trustee shall reasonably promptly notify the Certificate Insurer and withdraw the notice or reduce the amount claimed, as appropriate. (b) The Trustee shall establish a separate special purpose trust account for the benefit of Holders of any Retail Certificates and the Certificate Insurer referred to herein as the "Certificate Insurance Account" over which the Trustee shall have exclusive control and sole right of withdrawal. The Trustee shall deposit any amount paid under the Certificate Policy in the Certificate Insurance Account and distribute such amount only for purposes of payment to Holders of Retail Certificates of the Insured Payment for which a claim was made. Such amount may not be applied to satisfy any costs, expenses or liabilities of the Master Servicer, the Trustee or the Trust Fund. Amounts paid under the Certificate Policy shall be transferred to the Certificate Account in 57 accordance with the second succeeding paragraph and disbursed by the Trustee to Holders of Retail Certificates in accordance with Section 4.02 or Section 9.01(c), as applicable. It shall not be necessary for such payments to be made by checks or wire transfers separate from the checks or wire transfers used to pay the Insured Payment with other funds available to make such payment. However, the amount of any payment of principal of or interest on the Retail Certificates to be paid from funds transferred from the Certificate Insurance Account shall be noted as provided in paragraph (c) below and in the statement to be furnished to Holders of the Certificates pursuant to Section 4.03. Funds held in the Certificate Insurance Account shall not be invested by the Master Servicer, the Company or the Trustee. On any Distribution Date with respect to which a claim has been made under the Certificate Policy, the amount of any funds received by the Trustee as a result of any claim under the Certificate Policy, to the extent required to make the Insured Payment on such Distribution Date, shall be withdrawn from the Certificate Insurance Account and deposited in the Certificate Account and applied by the Master Servicer on behalf of the Trustee, together with the other funds to be distributed to the Retail Certificateholders pursuant to Section 4.02, directly to the payment in full of the Insured Payment due on the Retail Certificates. Any funds remaining in the Certificate Insurance Account on the first Business Day following a Distribution Date shall be remitted to the Certificate Insurer, pursuant to the instructions of the Certificate Insurer, by the end of such Business Day. (c) The Trustee shall keep a complete and accurate record of the amount of interest and principal paid into the Certificate Insurance Account in respect of any Retail Certificate from moneys received under the Certificate Policy. The Certificate Insurer shall have the right to inspect such records at reasonable times during normal business hours upon two Business Day's prior notice to the Trustee. (d) In accordance with the terms of the Certificate Policy, any claim on the Certificate Policy in respect of a Preference Amount, shall require the Trustee to obtain a certified copy of the order requiring the return of a preference payment, an opinion of counsel satisfactory to the Certificate Insurer that the order is final and not subject to appeal, and other documentation as required by the Certificate Policy. Any such opinion of counsel shall be provided at the sole expense of the Underwriter, in accordance with the terms of the Commitment Letter. Section 12.03.Effect of Payments by the Certificate Insurer; Subrogation. Anything herein to the contrary notwithstanding, for purposes of this Section 12.03, any payment with respect to principal of or interest on any Retail Certificates which is made with monies received pursuant to the terms of the Certificate Policy shall not be considered payment of any Retail Certificates from the Trust Fund. The Master Servicer, the Company and the Trustee acknowledge, and each Holder by its acceptance of an Retail Certificate agrees, that without the need for any further action on the part of the Certificate Insurer, the Master Servicer, the Company, the Trustee or the Certificate Registrar, to the extent the Certificate Insurer makes payments, directly or indirectly, on account of principal of or interest on any Retail Certificates to the Holders of such Certificates, the Certificate Insurer will be fully subrogated to, and each Retail Certificateholder, the Master Servicer, 58 the Company and the Trustee hereby delegate and assign to the Certificate Insurer, to the fullest extent permitted by law, the rights of such Holders to receive such principal and interest from the Trust Fund; provided that the Certificate Insurer shall be paid such amounts only from the sources and in the manner explicitly provided for herein. The Trustee and the Master Servicer shall cooperate in all respects with any reasonable request by the Certificate Insurer for action to preserve or enforce the Certificate Insurer's rights or interests under this Agreement without limiting the rights or affecting the interests of the Holders as otherwise set forth herein. Section 12.04.Notices and Information to the Certificate Insurer. (a) All notices, statements, reports, certificates or opinions required by this Agreement to be sent to any other party hereto, to the Rating Agencies or to the Certificateholders shall also be sent to the Certificate Insurer. (b) The Master Servicer shall designate a Person who shall be available to the Certificate Insurer to provide reasonable access to information regarding the Mortgage Loans. Section 12.05.Trustee to Hold Certificate Policy. The Trustee will hold the Certificate Policy in trust as agent for the Retail Certificateholders for the purpose of making claims thereof and distributing the proceeds thereof. Each Retail Certificateholder, by accepting its Certificate, appoints the Trustee as attorney-in-fact for the purpose of making claims on the Certificate Policy. The Trustee shall surrender the Certificate Policy to the Certificate Insurer for cancellation upon the expiration of the term of the Certificate Policy as provided in the Certificate Policy following the retirement of any Retail Certificates. Section 12.06.Ratings. The parties hereto agree that references in this Agreement or in the Standard Terms to ratings on the Certificates or interests of the Certificateholders shall be determined without regard to the Certificate Policy. Section 12.07.Third-Party Beneficiary. The Certificate Insurer shall be an express third-party beneficiary of this Agreement to the extent of its express subrogation rights and its express rights, including its rights to receive Insurance Premiums set forth in Section 4.02(a) of the Agreement and shall have the right to enforce the related provisions of this Agreement as if it were a party hereto. 59 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// Karen Fox Name: Karen Fox Title: Director RESIDENTIAL FUNDING CORPORATION [Seal] By: //s// Lisa Lundsten Name: Lisa Lundsten Title: Managing Director Attest: //s// Julie Steinhagen Name: Julie Steinhagen 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 60 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of October, 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] 61 STATE OF MINNESOTA ) ) ss.: COUNTY OF HENNEPIN ) On the 30th day of October, 2002 before me, a notary public in and for said State, personally appeared Lisa Lundsten, known to me to be a Managing 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] 62 STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of October, 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] STATE OF CALIFORNIA ) ) ss.: COUNTY OF ORANGE ) On the 30th day of October, 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] 63 EXHIBIT ONE MORTGAGE LOAN SCHEDULE RUN ON : 10/28/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 14.21.10 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2002-QS15 CONFORMING CUTOFF : 10/01/02 POOL : 0004630 : : 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 --------------------------------------------------------------------------- 7651447 .2500 96,427.18 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7755457 .2500 100,915.09 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 7759401 .2500 95,631.97 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7776863 .2500 273,278.63 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7780447 .2500 127,675.54 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7782637 .2500 160,630.21 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 1 7805799 .2500 235,430.44 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7814681 .2500 67,791.12 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7814965 .2500 46,257.44 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7820243 .2500 252,509.57 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 7845101 .2500 249,350.61 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 7847757 .2500 124,379.17 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7852999 .2500 96,254.40 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7855197 .2500 199,687.02 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 1 7857417 .2500 64,800.93 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7871247 .2500 139,112.58 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7871305 .2500 87,858.84 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7872633 .2500 117,300.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7881511 .2500 121,210.03 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7883833 .2500 258,125.54 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7885869 .2500 154,607.67 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7888721 .2500 89,852.03 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 1 7893301 .2500 51,920.62 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7898169 .2500 131,798.50 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7899863 .2500 175,159.84 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7906903 .2500 60,654.93 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7906931 .2500 60,654.93 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7906949 .2500 145,771.52 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7907591 .2500 202,852.04 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7915677 .2500 188,197.62 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 1 7921811 .2500 113,807.91 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7930461 .2500 300,414.69 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 7930527 .2500 117,796.23 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 7933901 .2500 86,500.71 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7933943 .2500 102,838.82 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7934411 .2500 102,838.82 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7936749 .2500 80,367.64 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 7936901 .2500 145,456.71 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 1 7936903 .2500 64,688.25 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7936979 .2500 107,340.30 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7937199 .2500 78,600.26 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7938013 .2500 212,821.05 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7939453 .2500 159,858.83 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 7939829 .2500 223,811.81 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7942735 .2500 59,604.24 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7943843 .2500 91,466.43 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 1 7944191 .2500 63,944.89 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 7945013 .2500 59,399.73 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7945357 .2500 94,418.63 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 7952157 .2500 190,550.29 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7952169 .2500 128,503.10 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7952171 .2500 134,083.55 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7952201 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6.5000 .0000 6.4200 .0000 6.0000 .4200 8104059 .2500 155,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8108187 .2500 250,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8318414 .2500 137,459.14 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8326062 .2500 72,000.93 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8326882 .2500 267,750.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8327392 .2500 292,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8327400 .2500 102,400.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 1 8327404 .2500 104,300.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8327412 .2500 86,400.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8327696 .2500 175,450.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8328172 .2500 248,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8328734 .2500 243,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8329772 .2500 67,200.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8329856 .2500 127,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 TOTAL NUMBER OF LOANS: 1413 TOTAL BALANCE........: 211,243,698.99 RUN ON : 10/28/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 14.21.10 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2002-QS15 CONF FIXED SUMMARY REPORT CUTOFF : 10/01/02 POOL : 0004630 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO --------------------------------------------------------------------------- CURR NOTE RATE 6.8428 6.0000 8.0000 RFC NET RATE 6.5902 5.7500 7.7500 NET MTG RATE(INVSTR RATE) 6.5111 5.7200 7.6700 POST STRIP RATE 5.9987 5.7200 6.0000 SUB SERV FEE .2526 .2500 .5000 MSTR SERV FEE .0791 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .5124 .0000 1.6700 TOTAL NUMBER OF LOANS: 1413 TOTAL BALANCE........: 211,243,698.99 *************************** * END OF REPORT * *************************** RUN ON : 10/28/02 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 14.21.10 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2002-QS15 CONFORMING CUTOFF : 10/01/02 POOL : 0004630 : : 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 # ______________________________________________________________________________ 7651447 E22/G02 F 96,800.00 ZZ 360 96,427.18 1 7.375 668.57 80 7.125 668.57 BENBROOK TX 76126 5 04/25/02 00 0414003699 05 06/01/02 0 0414003699 O 05/01/32 0 7755457 K39/G02 F 101,250.00 ZZ 360 100,915.09 1 7.000 673.62 75 6.750 673.62 DALLAS GA 30157 5 05/24/02 00 0434113932 04 07/15/02 0 253238796 O 06/15/32 0 7759401 E22/G02 F 95,875.00 ZZ 360 95,631.97 1 6.875 629.83 71 6.625 629.83 GARDNERVILLE NV 89410 1 06/04/02 00 0414144485 05 08/01/02 0 0414144485 N 07/01/32 0 7776863 624/G02 F 274,800.00 ZZ 360 273,278.63 1 6.875 1,805.24 80 6.625 1,805.24 SANTA MARIA CA 93455 1 05/09/02 00 0434144937 05 07/01/02 0 1 1000001360 O 06/01/32 0 7780447 E22/G02 F 128,000.00 ZZ 360 127,675.54 1 6.875 840.87 80 6.625 840.87 ARLINGTON TX 76006 1 06/14/02 00 0414300624 05 08/01/02 0 0414300624 O 07/01/32 0 7782637 964/G02 F 161,000.00 ZZ 360 160,630.21 1 7.375 1,111.99 74 7.125 1,111.99 ARVADA CO 80003 5 06/12/02 00 0434608584 05 08/01/02 0 221041 O 07/01/32 0 7805799 964/G02 F 236,000.00 ZZ 360 235,430.44 1 7.125 1,589.98 80 6.875 1,589.98 CAVE CREEK AZ 85331 1 06/19/02 00 0434245999 03 08/01/02 0 215156 O 07/01/32 0 7814681 286/286 F 68,000.00 ZZ 360 67,791.12 1 7.375 469.66 80 7.125 469.66 TUCSON AZ 85705 5 05/29/02 00 1326215 05 07/01/02 0 1326215 N 06/01/32 0 7814965 286/286 F 46,400.00 ZZ 360 46,257.44 1 7.375 320.48 80 7.125 320.48 KANSAS CITY MO 64130 5 05/28/02 00 1295716 05 07/01/02 0 1295716 N 06/01/32 0 1 7820243 E22/G02 F 253,200.00 ZZ 360 252,509.57 1 6.500 1,600.40 80 6.250 1,600.40 BOISE ID 83702 1 06/24/02 00 0414252122 05 08/01/02 0 0414252122 O 07/01/32 0 7845101 S07/G02 F 250,000.00 ZZ 360 249,350.61 1 6.750 1,621.50 78 6.500 1,621.50 FLORISSANT CO 80816 5 06/19/02 00 0434627998 05 08/01/02 0 0580672 O 07/01/32 0 7847757 738/G02 F 125,000.00 ZZ 360 124,379.17 1 7.250 852.73 100 7.000 852.73 COLUMBUS GA 31909 1 06/25/02 10 0434258729 05 08/01/02 35 40359676 O 07/01/32 0 7852999 Q87/G02 F 96,800.00 ZZ 360 96,254.40 1 7.375 668.57 80 7.125 668.57 DALLAS GA 30132 2 06/28/02 00 0434321709 05 08/01/02 0 MOAL02 N 07/01/32 0 7855197 X10/G02 F 200,000.00 ZZ 360 199,687.02 1 7.250 1,364.35 37 7.000 1,364.35 HOUSTON TX 77046 5 07/03/02 00 0434320198 06 09/01/02 0 50001482 O 08/01/32 0 7857417 E22/G02 F 64,900.00 ZZ 360 64,800.93 1 7.375 448.25 100 7.125 448.25 1 LAKEVIEW OH 43331 1 07/15/02 11 0414283879 05 09/01/02 35 0414283879 O 08/01/32 0 7871247 E22/G02 F 139,400.00 ZZ 360 139,112.58 1 7.375 962.80 80 7.125 962.80 LIVONIA MI 48154 1 07/19/02 00 0414468819 05 09/01/02 0 0414468819 O 08/01/32 0 7871305 E82/G02 F 88,000.00 ZZ 360 87,858.84 1 7.125 592.87 80 6.875 592.87 MONROE LA 71201 5 07/15/02 00 0400647988 05 09/01/02 0 0400647988 O 08/01/32 0 7872633 X78/G02 F 117,300.00 ZZ 360 117,300.00 1 7.250 800.19 75 7.000 800.19 ATLANTA GA 30317 2 10/04/02 00 0434695607 05 11/01/02 0 1006 N 10/01/32 0 7881511 W39/G02 F 121,400.00 ZZ 360 121,210.03 1 7.250 828.16 80 7.000 828.16 AUSTIN TX 78757 1 07/19/02 00 0434616314 05 09/01/02 0 20649 O 08/01/32 0 7883833 313/G02 F 258,750.00 ZZ 360 258,125.54 1 7.125 1,743.25 80 6.875 1,743.25 DALLAS TX 75208 2 06/12/02 00 0434346276 05 08/01/02 0 8761827 O 07/01/32 0 1 7885869 E22/G02 F 154,850.00 ZZ 360 154,607.67 1 7.250 1,056.35 95 7.000 1,056.35 TAMARAC FL 33321 1 07/26/02 01 0414537076 03 09/01/02 30 0414537076 O 08/01/32 0 7888721 E22/G02 F 90,000.00 ZZ 360 89,852.03 1 7.000 598.77 75 6.750 598.77 PUYALLUP WA 98373 1 07/24/02 00 0414576454 05 09/01/02 0 0414576454 N 08/01/32 0 7893301 X82/G02 F 52,000.00 ZZ 360 51,920.62 1 7.375 359.15 80 7.125 359.15 MANASSAS VA 20109 5 07/24/02 00 0434609509 01 09/01/02 0 832780 N 08/01/32 0 7898169 E22/G02 F 132,000.00 ZZ 360 131,798.50 1 7.375 911.69 80 7.125 911.69 ROCKWALL TX 75087 1 07/31/02 00 0414594630 05 09/01/02 0 0414594630 O 08/01/32 0 7899863 X67/G02 F 175,500.00 ZZ 360 175,159.84 2 7.875 1,272.50 90 7.625 1,272.50 SAN BERNARDINO CA 92410 1 07/29/02 04 0434475620 05 09/01/02 25 0000185542 N 08/01/32 0 7906903 E22/G02 F 60,750.00 ZZ 360 60,654.93 2 1 7.250 414.42 90 7.000 414.42 TAMPA FL 33617 1 08/02/02 04 0414522045 05 09/01/02 25 0414522045 N 08/01/32 0 7906931 E22/G02 F 60,750.00 ZZ 360 60,654.93 2 7.250 414.42 90 7.000 414.42 TAMPA FL 33617 1 08/02/02 01 0414559252 05 09/01/02 25 0414559252 N 08/01/32 0 7906949 E22/G02 F 146,000.00 ZZ 360 145,771.52 1 7.250 995.98 90 7.000 995.98 GALLOWAY OH 43119 2 07/29/02 11 0414577924 05 09/01/02 30 0414577924 O 08/01/32 0 7907591 253/253 F 204,000.00 ZZ 360 202,852.04 4 7.875 1,479.15 80 7.625 1,479.15 LOS ANGELES CA 90011 2 07/18/02 00 420911 05 09/01/02 0 420911 N 08/01/32 0 7915677 E22/G02 F 188,500.00 ZZ 360 188,197.62 2 7.125 1,269.96 67 6.875 1,269.96 ELIZABETH NJ 07208 2 07/31/02 00 0414444067 05 09/01/02 0 0414444067 O 08/01/32 0 7921811 F36/G02 F 114,000.00 ZZ 360 113,807.91 1 6.875 748.90 59 6.625 748.90 SPANAWAY WA 98387 5 07/24/02 00 0434401311 05 09/01/02 0 1 06505048 O 08/01/32 0 7930461 964/G02 F 300,700.00 ZZ 360 300,414.69 1 6.250 1,851.46 67 6.000 1,851.46 UPLAND CA 91784 1 07/29/02 00 0434416780 05 10/01/02 0 228714 O 09/01/32 0 7930527 964/G02 F 118,000.00 ZZ 360 117,796.23 1 6.750 765.35 55 6.500 765.35 WICKENBURG AZ 85390 5 07/22/02 00 0434418331 05 09/01/02 0 233470 O 08/01/32 0 7933901 U05/G02 F 86,925.00 ZZ 360 86,500.71 1 6.875 571.04 95 6.625 571.04 MEDFORD OR 97501 5 07/26/02 10 0434658191 05 09/01/02 30 3249794 O 08/01/32 0 7933943 U05/G02 F 103,000.00 ZZ 360 102,838.82 1 7.250 702.64 77 7.000 702.64 VANCOUVER WA 98686 2 07/27/02 00 0434626701 03 09/01/02 0 3246634 N 08/01/32 0 7934411 U05/G02 F 103,000.00 ZZ 360 102,838.82 1 7.250 702.64 77 7.000 702.64 VANCOUVER WA 98686 2 07/27/02 00 0434598108 03 09/01/02 0 3247532 N 08/01/32 0 1 7936749 286/286 F 80,500.00 ZZ 360 80,367.64 4 7.000 535.57 70 6.750 535.57 ST LOUIS MO 63118 2 07/02/02 00 1339982 05 09/01/02 0 1339982 O 08/01/32 0 7936901 286/286 F 145,800.00 ZZ 360 145,456.71 1 7.250 994.62 90 7.000 994.62 PHOENIX AZ 85043 1 06/24/02 12 1379249 03 08/01/02 25 1379249 N 07/01/32 0 7936903 286/286 F 64,800.00 ZZ 360 64,688.25 1 7.125 436.57 80 6.875 436.57 BALTIMORE MD 21227 2 07/16/02 00 1354656 03 09/01/02 0 1354656 N 08/01/32 0 7936979 286/286 F 107,600.00 ZZ 360 107,340.30 1 7.125 724.93 80 6.875 724.93 MESA AZ 85207 2 06/21/02 00 1355930 03 08/01/02 0 1355930 N 07/01/32 0 7937199 286/286 F 78,800.00 ZZ 360 78,600.26 1 6.875 517.66 80 6.625 517.66 MCARTHUR CA 96056 1 06/19/02 00 805272 05 08/01/02 0 805272 N 07/01/32 0 7938013 E22/G02 F 213,000.00 ZZ 360 212,821.05 1 6.875 1,399.26 77 6.625 1,399.26 1 OAK PARK IL 60304 5 08/05/02 00 0414487652 05 10/01/02 0 0414487652 O 09/01/32 0 7939453 U42/G02 F 160,000.00 ZZ 360 159,858.83 1 6.625 1,024.50 73 6.375 1,024.50 WEATHERFORD TX 76086 5 08/05/02 00 0434397535 05 10/01/02 0 33200598 O 09/01/32 0 7939829 E22/G02 F 224,000.00 ZZ 360 223,811.81 1 6.875 1,471.52 80 6.625 1,471.52 GRANBY CT 06035 2 08/07/02 00 0414300863 05 10/01/02 0 0414300863 O 09/01/32 0 7942735 737/G02 F 59,700.00 ZZ 360 59,604.24 1 7.125 402.21 80 6.875 402.21 SAINT LOUIS MO 63113 2 07/26/02 00 0434413167 05 09/01/02 0 2075100 O 08/01/32 0 7943843 E22/G02 F 91,625.00 ZZ 360 91,466.43 1 7.250 625.04 77 7.000 625.04 COLORADO SPRING CO 80911 5 08/08/02 00 0414491993 05 10/01/02 0 0414491993 O 09/01/32 0 7944191 W02/G02 F 64,000.00 ZZ 360 63,944.89 1 6.750 415.11 78 6.500 415.11 JACKSONVILLE FL 32208 5 08/07/02 00 0434455317 05 10/01/02 0 1001369403 O 09/01/32 0 1 7945013 W02/G02 F 59,500.00 ZZ 360 59,399.73 1 6.875 390.88 85 6.625 390.88 HOLLY HILL FL 32117 5 07/25/02 12 0434499943 05 09/01/02 12 1001340966 O 08/01/32 0 7945357 A46/G02 F 94,500.00 ZZ 360 94,418.63 4 6.750 612.93 90 6.500 612.93 HOUSTON TX 77088 1 08/07/02 04 0434421467 05 10/01/02 25 0560125 N 09/01/32 0 7952157 J95/G02 F 191,000.00 ZZ 360 190,550.29 1 7.250 1,302.96 77 7.000 1,302.96 BANNER ELK NC 28604 5 06/10/02 00 0434475638 05 08/01/02 0 0029137379 O 07/01/32 0 7952169 J95/G02 F 129,000.00 ZZ 360 128,503.10 1 7.375 890.97 36 7.125 890.97 TRURO MA 02666 2 06/25/02 00 0434475745 05 08/01/02 0 0029269792 O 07/01/32 0 7952171 J95/G02 F 134,400.00 ZZ 360 134,083.55 1 7.250 916.85 80 7.000 916.85 ESSEX JUNCTION VT 05452 1 06/24/02 00 0434475737 05 08/01/02 0 0029273687 O 07/01/32 0 7952201 J95/G02 F 125,550.00 ZZ 360 125,358.33 4 1 7.375 867.15 90 7.125 867.15 PHOENIX AZ 85006 1 07/17/02 12 0434470597 05 09/01/02 25 0029551082 N 08/01/32 0 7952209 J95/G02 F 94,400.00 ZZ 360 94,183.18 1 7.375 652.00 80 7.125 652.00 ASHEVILLE NC 28804 1 06/26/02 00 0434475265 05 08/01/02 0 0029566528 N 07/01/32 0 7952217 J95/G02 F 184,500.00 ZZ 360 184,196.64 1 7.000 1,227.49 90 6.750 1,227.49 ALLYN WA 98524 1 07/23/02 10 0434479945 03 09/01/02 25 0029641271 O 08/01/32 0 7957979 X44/G02 F 135,900.00 ZZ 360 135,783.00 1 6.750 881.44 80 6.500 881.44 SPRING VALLEY NY 10977 1 08/15/02 00 0434608378 01 10/01/02 0 6309 O 09/01/32 0 7958249 E98/G02 F 127,900.00 ZZ 360 127,795.16 1 7.000 850.92 80 6.750 850.92 MAPLE GROVE MN 55369 1 08/15/02 00 0434648887 09 10/01/02 0 8130001613992 N 09/01/32 0 7959337 286/286 F 89,250.00 ZZ 360 89,039.84 1 7.250 608.85 85 7.000 608.85 CINCINNATI OH 45209 5 06/12/02 12 1308864 05 08/01/02 12 1 1308864 N 07/01/32 0 7959431 286/286 F 142,500.00 ZZ 360 142,164.47 2 7.250 972.11 75 7.000 972.11 SAN DIEGO CA 92105 1 06/06/02 00 1326208 05 08/01/02 0 1326208 N 07/01/32 0 7959927 286/286 F 56,800.00 ZZ 360 56,669.52 1 7.375 392.31 71 7.125 392.31 FLORISSANT MO 63033 5 07/02/02 00 1352154 05 08/01/02 0 1352154 N 07/01/32 0 7963777 286/286 F 153,500.00 ZZ 360 153,247.62 1 7.000 1,021.24 88 6.750 1,021.24 CUYAHOGA FALLS OH 44223 2 07/17/02 11 1390571 05 09/01/02 25 1390571 O 08/01/32 0 7964703 286/286 F 57,000.00 ZZ 360 56,820.49 3 7.250 388.85 75 7.000 388.85 WILKINSBURG PA 15221 5 05/07/02 00 1268910 05 07/01/02 0 1268910 N 06/01/32 0 7970093 Q87/G02 F 104,750.00 ZZ 360 104,577.44 1 6.990 696.20 60 6.740 696.20 ROCKY FACE GA 30740 2 08/13/02 00 0434465183 05 09/19/02 0 TUED01 O 08/19/32 0 1 7972539 U42/G02 F 113,050.00 ZZ 360 112,955.02 1 6.875 742.66 70 6.625 742.66 PLANO TX 75075 1 08/20/02 00 0434641353 05 10/01/02 0 12201368 O 09/01/32 0 7972591 S11/G02 F 130,500.00 ZZ 360 130,403.16 2 7.500 912.47 61 7.250 912.47 LAKE ELSINORE CA 92530 2 08/05/02 00 0434453007 05 10/01/02 0 10208300 N 09/01/32 0 7975531 E82/G02 F 222,000.00 ZZ 360 221,808.86 1 6.750 1,439.89 80 6.500 1,439.89 WHITE PLAINS NY 10607 2 08/21/02 00 0400672135 05 10/01/02 0 1781718 O 09/01/32 0 7975567 E82/G02 F 277,900.00 ZZ 360 277,688.54 1 7.375 1,919.39 70 7.125 1,919.39 BREWSTER NY 10509 5 08/21/02 00 0400664371 05 10/01/02 0 0400664371 O 09/01/32 0 7975831 E23/G02 F 184,000.00 ZZ 360 183,841.58 1 6.750 1,193.42 80 6.500 1,193.42 ELK GROVE CA 95758 2 08/09/02 00 0434475653 05 10/01/02 0 61006376 O 09/01/32 0 7978401 E22/G02 F 118,800.00 ZZ 360 118,702.62 1 7.000 790.38 76 6.750 790.38 1 SPRING TX 77379 1 08/22/02 00 0414536870 03 10/01/02 0 0414536870 O 09/01/32 0 7978425 E22/G02 F 178,200.00 ZZ 360 178,060.99 1 7.250 1,215.64 90 7.000 1,215.64 FORT COLLINS CO 80521 1 08/23/02 04 0414566661 05 10/01/02 25 0414566661 O 09/01/32 0 7978497 E22/G02 F 182,700.00 ZZ 360 182,549.24 1 7.000 1,215.51 90 6.750 1,215.51 AURORA CO 80012 1 08/23/02 04 0414634360 05 10/01/02 25 0414634360 O 09/01/32 0 7978745 E82/G02 F 125,000.00 ZZ 360 124,894.99 1 6.875 821.16 67 6.625 821.16 AUGUSTA KS 67010 5 08/20/02 00 0400671657 05 10/01/02 0 0400671657 O 09/01/32 0 7979781 W39/G02 F 94,400.00 ZZ 360 94,314.65 1 6.500 596.68 80 6.250 596.68 CARROLLTON TX 75010 1 08/20/02 00 0434596888 05 10/01/02 0 PN120997 O 09/01/32 0 7981683 E82/G02 F 96,000.00 ZZ 360 95,915.30 1 6.625 614.70 26 6.375 614.70 WILMINGTON NC 28409 2 08/21/02 00 0400675237 05 10/01/02 0 4019898 O 09/01/32 0 1 7982271 E22/G02 F 156,000.00 ZZ 360 155,881.30 1 7.375 1,077.45 80 7.125 1,077.45 CALEXICO CA 92231 5 08/15/02 00 0414346718 05 10/01/02 0 0414346718 O 09/01/32 0 7982313 E22/G02 F 182,000.00 ZZ 360 181,847.10 1 6.875 1,195.61 80 6.625 1,195.61 SUNRIVER OR 97707 1 08/05/02 00 0414543744 03 10/01/02 0 0414543744 N 09/01/32 0 7984351 X31/G02 F 160,000.00 ZZ 360 159,868.85 2 7.000 1,064.48 69 6.750 1,064.48 OCEANSIDE CA 92054 5 08/19/02 00 0434621231 05 10/01/02 0 40103247 O 09/01/32 0 7984597 253/253 F 125,600.00 ZZ 360 125,489.18 1 6.625 804.24 80 6.375 804.24 LOVELAND OH 45140 1 08/15/02 00 994161 05 10/01/02 0 994161 O 09/01/32 0 7985575 E22/G02 F 170,000.00 ZZ 360 169,846.31 1 6.500 1,074.52 20 6.250 1,074.52 SALISBURY CT 06068 2 08/21/02 00 0414630608 05 10/01/02 0 0414630608 O 09/01/32 0 7985637 E22/G02 F 100,000.00 ZZ 360 99,758.52 1 1 6.500 632.07 80 6.250 632.07 COLUMBIA SC 29204 1 08/27/02 00 0414684233 05 10/01/02 0 0414684233 O 09/01/32 0 7985979 N74/G02 F 138,000.00 ZZ 360 137,889.10 2 7.100 927.40 79 6.850 927.40 SANDY UT 84070 5 08/23/02 00 0434484960 05 10/01/02 0 0030630010 N 09/01/32 0 7986499 K15/G02 F 191,200.00 ZZ 360 191,039.37 1 6.875 1,256.05 85 6.625 1,256.05 MANCHESTER NH 03103 5 08/22/02 41 0434643466 05 10/01/02 12 033105502238 O 09/01/32 0 7986613 696/G02 F 188,000.00 ZZ 360 187,845.90 1 7.000 1,250.77 80 6.750 1,250.77 MT RANIER MD 20712 1 08/14/02 00 0434490108 05 10/01/02 0 20202042 O 09/01/32 0 7987539 E22/G02 F 131,100.00 ZZ 360 130,992.54 1 7.000 872.21 95 6.750 872.21 FLORENCE AL 35634 1 08/27/02 04 0414293944 05 10/01/02 35 0414293944 O 09/01/32 0 7987575 E22/G02 F 103,300.00 ZZ 360 103,219.41 1 7.250 704.69 79 7.000 704.69 FORT WORTH TX 76133 5 08/20/02 00 0414484402 05 10/01/02 0 1 0414484402 O 09/01/32 0 7987593 E22/G02 F 117,325.00 ZZ 360 117,221.49 1 6.625 751.24 95 6.375 751.24 GLENWOOD SPRING CO 81601 1 08/28/02 01 0414509224 01 10/01/02 30 0414509224 O 09/01/32 0 7987657 E22/G02 F 108,000.00 ZZ 360 107,902.37 1 6.500 682.63 90 6.250 682.63 SALT LAKE CITY UT 84118 5 08/23/02 04 0414588210 05 10/01/02 25 0414588210 O 09/01/32 0 7987681 E22/G02 F 48,900.00 ZZ 360 48,859.92 1 7.000 325.33 95 6.750 325.33 SEVIERVILLE TN 37876 1 08/28/02 01 0414612127 05 10/01/02 30 0414612127 O 09/01/32 0 7987803 E22/G02 F 151,000.00 ZZ 360 150,866.78 1 6.625 966.87 100 6.375 966.87 SPOKANE WA 99203 1 08/20/02 04 0414686535 05 10/01/02 35 0414686535 O 09/01/32 0 7987887 E22/G02 F 189,000.00 ZZ 360 188,856.18 2 7.375 1,305.38 90 7.125 1,305.38 NEW ORLEANS LA 70119 1 08/28/02 01 0414776898 05 10/01/02 25 0414776898 N 09/01/32 0 1 7987903 E22/G02 F 45,000.00 ZZ 360 44,962.19 1 6.875 295.62 49 6.625 295.62 BOYONTON BEACH FL 33436 1 08/28/02 00 0414790691 01 10/01/02 0 0414790691 O 09/01/32 0 7988337 E82/G02 F 98,500.00 ZZ 360 98,415.19 1 6.750 638.87 82 6.500 638.87 DOUGLAS AZ 85607 2 08/26/02 04 0400672200 05 10/01/02 12 0400672200 O 09/01/32 0 7988453 E82/G02 F 109,500.00 ZZ 360 109,410.24 1 7.000 728.51 73 6.750 728.51 FRIENDSWOOD TX 77546 2 08/23/02 00 0400662854 05 10/01/02 0 0400662854 O 09/01/32 0 7989203 E60/G02 F 216,800.00 ZZ 360 216,604.21 1 6.500 1,370.12 80 6.250 1,370.12 ESCONDIDO CA 92027 1 08/15/02 00 0434618831 09 10/01/02 0 525623 N 09/01/32 0 7990535 A06/G02 F 248,000.00 ZZ 360 247,791.64 1 6.875 1,629.19 78 6.625 1,629.19 COMMERCE MI 48391 2 08/21/02 00 0434610176 29 10/01/02 0 1000010201149 O 09/01/32 0 7991825 U05/G02 F 90,000.00 ZZ 360 89,926.23 1 7.000 598.77 72 6.750 598.77 1 WICHITA FALLS TX 76309 5 08/07/02 00 0434620647 05 10/01/02 0 3248565 O 09/01/32 0 7993341 E22/G02 F 80,000.00 ZZ 360 79,939.13 1 7.375 552.54 77 7.125 552.54 MIAMI FL 33172 1 08/29/02 00 0414726885 01 10/01/02 0 0414726885 O 09/01/32 0 7993375 E22/G02 F 155,040.00 ZZ 360 154,912.92 1 7.000 1,031.48 76 6.750 1,031.48 AURORA CO 80010 1 08/22/02 00 0414760629 05 10/01/02 0 0414760629 O 09/01/32 0 7993411 E22/G02 F 123,200.00 ZZ 360 123,091.31 1 6.625 788.86 80 6.375 788.86 DENVER CO 80211 1 08/29/02 00 0414824060 01 10/01/02 0 0414824060 O 09/01/32 0 7993417 E22/G02 F 56,800.00 ZZ 360 56,749.88 1 6.625 363.70 80 6.375 363.70 FORT WALTON BEA FL 32548 1 08/29/02 00 0414844837 09 10/01/02 0 0414844837 N 09/01/32 0 7993863 806/G02 F 174,150.00 ZZ 360 173,697.62 1 6.750 1,129.54 80 6.500 1,129.54 WEST SACRAMENTO CA 95691 1 06/01/02 00 0434517058 05 08/01/02 0 1070006345 O 07/01/32 0 1 7994151 S11/G02 F 227,000.00 ZZ 360 226,804.56 2 6.750 1,472.32 33 6.500 1,472.32 NEWPORT BEACH CA 92663 2 08/22/02 00 0434609152 05 10/01/02 0 10208601 N 09/01/32 0 7995043 E86/G02 F 89,160.00 ZZ 360 89,092.15 1 7.375 615.81 86 7.125 615.81 NORRISTOWN PA 19403 1 08/27/02 11 0434490041 01 10/01/02 25 0000209910 O 09/01/32 0 7995743 E22/G02 F 157,400.00 ZZ 360 157,267.76 3 6.875 1,034.01 90 6.625 1,034.01 NASHUA NH 03060 1 08/30/02 04 0414519595 05 10/01/02 25 0414519595 N 09/01/32 0 7995877 E22/G02 F 89,600.00 ZZ 360 89,524.72 1 6.875 588.61 80 6.625 588.61 VENTNOR NJ 08406 1 08/30/02 00 0414633693 07 10/01/02 0 0414633693 N 09/01/32 0 7995881 E22/G02 F 105,000.00 ZZ 360 104,913.93 1 7.000 698.57 75 6.750 698.57 SACRAMENTO CA 95820 2 08/27/02 00 0414634949 05 10/01/02 0 0414634949 N 09/01/32 0 7995897 E22/G02 F 56,000.00 ZZ 360 55,750.60 1 1 6.625 358.57 75 6.375 358.57 HOUSTON TX 77087 5 08/26/02 00 0414650002 05 10/01/02 0 0414650002 O 09/01/32 0 7995931 E22/G02 F 80,000.00 ZZ 360 79,934.43 1 7.000 532.24 70 6.750 532.24 HOUSTON TX 77083 5 08/26/02 00 0414673921 03 10/01/02 0 0414673921 O 09/01/32 0 7995973 E22/G02 F 175,000.00 ZZ 360 174,845.61 1 6.625 1,120.54 60 6.375 1,120.54 MARBLE FALLS TX 78654 5 08/26/02 00 0414693622 05 10/01/02 0 0414693622 O 09/01/32 0 7995999 E22/G02 F 151,920.00 ZZ 360 151,792.37 1 6.875 998.01 80 6.625 998.01 SILVER SPRING MD 20910 1 08/30/02 00 0414716563 01 10/01/02 0 0414716563 O 09/01/32 0 7996051 E22/G02 F 110,250.00 T 360 110,163.99 1 7.250 752.10 70 7.000 752.10 FORT PIERCE FL 34949 1 08/30/02 00 0414734541 05 10/01/02 0 0414734541 O 09/01/32 0 7996091 E22/G02 F 80,300.00 ZZ 360 80,230.87 1 6.750 520.82 89 6.500 520.82 FOREST PARK GA 30297 2 08/23/02 01 0414751883 05 10/01/02 30 1 0414751883 O 09/01/32 0 7996141 E22/G02 F 94,500.00 T 360 94,428.09 1 7.375 652.69 90 7.125 652.69 OLD ORCHARD BEA ME 04064 1 08/30/02 04 0414774729 01 10/01/02 25 0414774729 O 09/01/32 0 7996171 E22/G02 F 113,400.00 ZZ 360 113,297.48 1 6.500 716.77 70 6.250 716.77 COLORADO SPRING CO 80911 1 08/30/02 00 0414787846 05 10/01/02 0 0414787846 N 09/01/32 0 7996237 E22/G02 F 94,000.00 ZZ 360 93,919.07 1 6.750 609.68 79 6.500 609.68 ROANOKE VA 24153 2 08/30/02 00 0414818773 07 10/01/02 0 0414818773 N 09/01/32 0 7996245 E22/G02 F 94,000.00 ZZ 360 93,919.07 1 6.750 609.68 79 6.500 609.68 ROANOKE VA 24153 2 08/30/02 00 0414822486 05 10/01/02 0 0414822486 N 09/01/32 0 7996249 E22/G02 F 90,000.00 ZZ 360 89,920.59 1 6.625 576.28 80 6.375 576.28 FORT WORTH TX 76107 1 08/28/02 00 0414824490 05 10/01/02 0 0414824490 N 09/01/32 0 1 7999973 P67/G02 F 166,600.00 ZZ 360 166,600.00 1 6.875 1,094.44 78 6.625 1,094.44 DUNELLEN NJ 08812 5 09/03/02 00 0434631214 05 11/01/02 0 0603069 O 10/01/32 0 8001099 E22/G02 F 232,000.00 ZZ 360 231,800.25 1 6.750 1,504.75 80 6.500 1,504.75 WALNUT AREA CA 91789 5 08/21/02 00 0414426098 05 10/01/02 0 0414426098 O 09/01/32 0 8001169 E22/G02 F 175,000.00 ZZ 360 175,000.00 1 6.750 1,135.05 95 6.500 1,135.05 TUSCUMBIA AL 35674 2 08/29/02 04 0414589168 05 11/01/02 30 0414589168 O 10/01/32 0 8001203 E22/G02 F 124,000.00 ZZ 360 123,893.24 1 6.750 804.26 80 6.500 804.26 PERRY HALL MD 21128 1 09/03/02 00 0414627596 09 10/01/02 0 0414627596 O 09/01/32 0 8001269 E22/G02 F 141,200.00 ZZ 360 141,084.26 1 7.000 939.41 80 6.750 939.41 TACOMA WA 98498 1 08/28/02 00 0414701961 05 10/01/02 0 0414701961 O 09/01/32 0 8001289 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 7.000 958.04 80 6.750 958.04 1 SACRAMENTO CA 95825 1 08/29/02 00 0414710137 05 11/01/02 0 0414710137 N 10/01/32 0 8001295 E22/G02 F 171,000.00 ZZ 360 170,845.41 1 6.500 1,080.84 86 6.250 1,080.84 MARIETTA GA 30066 5 08/28/02 01 0414717991 05 10/01/02 25 0414717991 O 09/01/32 0 8001329 E22/G02 F 160,800.00 ZZ 360 160,658.13 1 6.625 1,029.62 80 6.375 1,029.62 LOVELAND CO 80538 2 08/27/02 00 0414747329 05 10/01/02 0 0414747329 O 09/01/32 0 8001353 E22/G02 F 297,000.00 ZZ 360 296,731.51 1 6.500 1,877.24 88 6.250 1,877.24 REX GA 30273 1 09/03/02 01 0414765503 05 10/01/02 25 0414765503 O 09/01/32 0 8001373 E22/G02 F 168,800.00 ZZ 360 168,671.56 1 7.375 1,165.86 80 7.125 1,165.86 HOUSTON TX 77092 5 08/28/02 00 0414783019 05 10/01/02 0 0414783019 O 09/01/32 0 8001379 E22/G02 F 143,500.00 ZZ 360 143,370.27 1 6.500 907.02 70 6.250 907.02 COLORADO SPRING CO 80911 1 09/03/02 00 0414788042 05 10/01/02 0 0414788042 N 09/01/32 0 1 8002339 N34/G02 F 102,250.00 ZZ 360 102,250.00 1 6.625 654.72 79 6.375 654.72 HIGHLAND IN 46322 2 08/26/02 00 0434517967 05 11/01/02 0 7212224 O 10/01/32 0 8002377 N34/G02 F 67,000.00 ZZ 360 66,942.32 1 6.750 434.56 90 6.500 434.56 PRICETON IL 61356 1 08/29/02 10 0434632311 05 10/01/02 25 0604755 N 09/01/32 0 8002987 P59/G02 F 90,000.00 ZZ 360 89,918.64 1 6.500 568.86 72 6.250 568.86 LANCASTER CA 93535 1 08/26/02 00 0434610051 05 10/01/02 0 AT004149 O 09/01/32 0 8003347 J95/G02 F 300,000.00 ZZ 360 299,754.09 1 7.000 1,995.91 79 6.750 1,995.91 BLAINE WA 98230 1 08/15/02 00 0434491098 05 10/01/02 0 0029716503 N 09/01/32 0 8004711 196/G02 F 145,600.00 ZZ 360 145,372.15 1 7.250 993.25 77 7.000 993.25 LOWELL MA 01851 5 07/15/02 00 0434538518 05 09/01/02 0 1322461 O 08/01/32 0 8005049 U05/G02 F 203,200.00 ZZ 360 202,868.12 1 1 7.250 1,386.18 80 7.000 1,386.18 MARBLE FALLS TX 78657 5 08/01/02 00 0434505947 03 09/01/02 0 3240495 O 08/01/32 0 8005061 G34/G02 F 85,500.00 ZZ 360 85,433.30 1 7.250 583.26 95 7.000 583.26 FRANKLINTON LA 70438 1 08/23/02 04 0434531489 05 10/01/02 30 85205249 O 09/01/32 0 8005063 E22/G02 F 52,200.00 ZZ 360 52,160.28 1 7.375 360.53 90 7.125 360.53 AUGUSTA GA 30904 2 08/23/02 01 0414031666 05 10/01/02 25 0414031666 N 09/01/32 0 8005109 E22/G02 F 178,500.00 ZZ 360 178,350.04 1 6.875 1,172.62 70 6.625 1,172.62 CANTON MS 39046 5 08/29/02 00 0414560623 05 10/01/02 0 0414560623 O 09/01/32 0 8005181 E22/G02 F 56,150.00 ZZ 360 56,105.10 1 7.125 378.29 67 6.875 378.29 SAN ANTONIO TX 78216 5 08/28/02 00 0414692673 05 10/01/02 0 0414692673 O 09/01/32 0 8005189 E22/G02 F 107,000.00 ZZ 360 106,912.30 1 7.000 711.87 86 6.750 711.87 TACOMA WA 98444 2 08/27/02 04 0414702498 05 10/01/02 25 1 0414702498 N 09/01/32 0 8005257 E22/G02 F 82,500.00 ZZ 360 82,425.42 1 6.500 521.46 79 6.250 521.46 PICKERINGTON OH 43147 5 08/29/02 00 0414756213 01 10/01/02 0 0414756213 O 09/01/32 0 8005307 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 7.000 585.47 80 6.750 585.47 KANSAS CITY MO 64131 2 09/04/02 00 0414827337 05 11/01/02 0 0414827337 N 10/01/32 0 8005373 E82/G02 F 104,000.00 ZZ 360 104,000.00 1 7.375 718.30 80 7.125 718.30 WAYNE OH 43466 5 08/28/02 00 0400641247 05 11/01/02 0 0400641247 O 10/01/32 0 8005383 E82/G02 F 208,000.00 ZZ 360 208,000.00 1 6.875 1,366.41 80 6.625 1,366.41 HAYWARD CA 94544 2 08/29/02 00 0400677332 05 11/01/02 0 1951243 O 10/01/32 0 8005387 E82/G02 F 129,100.00 ZZ 360 129,100.00 1 6.875 848.10 50 6.625 848.10 ANTIOCH TN 37013 5 08/28/02 00 0400653911 05 11/01/02 0 0400653911 O 10/01/32 0 1 8005415 E82/G02 F 201,000.00 ZZ 360 201,000.00 1 6.625 1,287.03 67 6.375 1,287.03 WEST COVINA CA 91791 5 08/29/02 00 0400675187 05 11/01/02 0 0400675187 O 10/01/32 0 8005433 E82/G02 F 130,000.00 ZZ 360 130,000.00 1 6.625 832.40 65 6.375 832.40 ROSELAND NJ 07068 2 08/27/02 00 0400679817 05 11/01/02 0 1883130 O 10/01/32 0 8005441 E82/G02 F 100,000.00 ZZ 360 100,000.00 1 6.875 656.93 50 6.625 656.93 LISLE IL 60532 2 08/29/02 00 0400663464 03 11/01/02 0 0400663464 O 10/01/32 0 8007021 477/G02 F 193,600.00 ZZ 360 193,437.36 1 6.875 1,271.81 80 6.625 1,271.81 CAVE CREEK AZ 85331 1 08/19/02 00 0434545778 03 10/01/02 0 237886 O 09/01/32 0 8007053 S11/G02 F 319,500.00 ZZ 360 319,256.88 3 7.375 2,206.71 90 7.125 2,206.71 SAN PEDRO AREA CA 90732 5 08/21/02 11 0434598561 05 10/01/02 30 10208412 O 09/01/32 0 8007055 X82/G02 F 236,000.00 ZZ 360 235,811.27 1 7.125 1,589.98 80 6.875 1,589.98 1 ALEXANDRIA VA 22309 1 08/30/02 00 0434567350 09 10/01/02 0 836243 O 09/01/32 0 8007107 737/G02 F 157,500.00 ZZ 360 157,374.05 2 7.125 1,061.11 80 6.875 1,061.11 SACRAMENTO CA 95823 5 08/22/02 00 0434511275 05 10/01/02 0 2078708 O 09/01/32 0 8007299 758/G02 F 156,000.00 ZZ 360 155,858.97 1 6.500 986.03 79 6.250 986.03 BROOMFIELD CO 80020 1 08/27/02 00 0434607362 05 10/01/02 0 620528 O 09/01/32 0 8007347 U36/G02 F 252,000.00 ZZ 360 251,788.29 1 6.875 1,655.46 95 6.625 1,655.46 VILLA RICA GA 30180 1 08/09/02 12 0434613915 03 10/01/02 30 994101001 O 09/01/32 0 8007367 M43/G02 F 100,800.00 ZZ 360 100,800.00 1 7.250 687.63 90 7.000 687.63 RESTON VA 20191 1 09/03/02 14 0434523122 01 11/01/02 30 73303432 N 10/01/32 0 8009379 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 7.375 966.95 76 7.125 966.95 WHITEVILLE NC 28472 1 09/05/02 00 0414311373 05 11/01/02 0 0414311373 N 10/01/32 0 1 8009417 E22/G02 F 213,750.00 ZZ 360 213,750.00 1 8.000 1,568.42 95 7.750 1,568.42 MERCED CA 95340 5 08/29/02 01 0414517698 05 11/01/02 30 0414517698 O 10/01/32 0 8009449 E22/G02 F 162,000.00 ZZ 360 161,860.52 1 6.750 1,050.73 80 6.500 1,050.73 LOUISVILLE KY 40241 5 08/30/02 00 0414602060 05 10/01/02 0 0414602060 O 09/01/32 0 8009549 E22/G02 F 138,500.00 ZZ 360 138,500.00 1 7.000 921.44 47 6.750 921.44 DALLAS TX 75205 2 09/05/02 00 0414728212 05 11/01/02 0 0414728212 N 10/01/32 0 8009561 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 7.250 1,964.67 90 7.000 1,964.67 SACRAMENTO CA 95821 1 08/30/02 04 0414738328 03 11/01/02 35 0414738328 O 10/01/32 0 8009627 E22/G02 F 83,000.00 ZZ 360 82,928.54 1 6.750 538.34 85 6.500 538.34 TUSCALOOSA AL 35404 5 08/30/02 04 0414796250 05 10/01/02 12 0414796250 O 09/01/32 0 8009629 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 1 6.750 1,323.14 80 6.500 1,323.14 GRASS VALLEY CA 95949 1 08/30/02 00 0414797464 05 11/01/02 0 0414797464 O 10/01/32 0 8009703 E22/G02 F 285,000.00 ZZ 360 285,000.00 1 6.875 1,872.25 95 6.625 1,872.25 MIAMI FL 33155 1 09/05/02 01 0414897090 05 11/01/02 30 0414897090 O 10/01/32 0 8009787 E82/G02 F 120,900.00 ZZ 360 120,900.00 1 6.500 764.17 70 6.250 764.17 WESTWOOD NJ 07675 2 09/04/02 00 0400682936 05 11/01/02 0 3334277 O 10/01/32 0 8009973 Q87/G02 F 83,700.00 ZZ 240 83,529.34 1 6.500 624.04 90 6.250 624.04 NICHOLLS GA 31554 5 08/30/02 10 0434529681 05 10/05/02 25 TASH02 O 09/05/22 0 8010181 562/G02 F 216,000.00 ZZ 360 215,638.16 2 7.125 1,455.24 80 6.875 1,455.24 BROOKLYN NY 11208 5 08/22/02 00 0434668307 05 10/01/02 0 001010000000167 O 09/01/32 0 8011641 313/G02 F 90,250.00 ZZ 360 90,108.76 1 7.250 615.67 95 7.000 615.67 SOUTH HOLLAND IL 60473 5 07/15/02 11 0434508180 05 09/01/02 30 1 8826547 O 08/01/32 0 8011873 X52/G02 F 216,000.00 ZZ 360 215,804.73 1 6.500 1,365.27 65 6.250 1,365.27 KEY WEST FL 33040 2 08/30/02 00 0434632766 05 10/01/02 0 FELGER0702 N 09/01/32 0 8012131 N47/G02 F 174,400.00 ZZ 360 174,238.47 1 6.375 1,088.03 80 6.125 1,088.03 TRACY CA 95376 5 08/26/02 00 0434597910 05 10/01/02 0 30321126 O 09/01/32 0 8013571 975/G02 F 255,000.00 ZZ 360 254,758.04 1 6.250 1,570.08 68 6.000 1,570.08 GARDEN GROVE CA 92844 5 08/21/02 00 0434526729 05 10/01/02 0 2023231 O 09/01/32 0 8013681 E22/G02 F 219,900.00 ZZ 360 219,705.99 1 6.625 1,408.04 88 6.375 1,408.04 WEST HAVEN CT 06516 1 09/06/02 04 0414089714 05 10/01/02 25 0414089714 O 09/01/32 0 8013689 E22/G02 F 176,000.00 ZZ 360 175,844.72 1 6.625 1,126.95 77 6.375 1,126.95 PANORAMA CITY(L CA 91402 5 08/21/02 00 0414353110 05 10/01/02 0 0414353110 O 09/01/32 0 1 8013701 E22/G02 F 196,200.00 ZZ 360 196,035.17 1 6.875 1,288.89 90 6.625 1,288.89 RIVERSIDE CA 92509 1 08/30/02 04 0414497503 05 10/01/02 25 0414497503 O 09/01/32 0 8013729 E22/G02 F 236,700.00 ZZ 360 236,700.00 1 7.000 1,574.77 90 6.750 1,574.77 COPPELL TX 75019 1 09/05/02 04 0414606301 03 11/01/02 25 0414606301 O 10/01/32 0 8013789 E22/G02 F 124,500.00 ZZ 360 124,500.00 1 7.250 849.31 75 7.000 849.31 CARSON CITY NV 89701 5 08/29/02 00 0414710517 05 11/01/02 0 0414710517 N 10/01/32 0 8013801 E22/G02 F 126,840.00 ZZ 360 126,733.44 1 6.875 833.25 80 6.625 833.25 BEAVERTON OR 97006 1 08/30/02 00 0414730267 09 10/01/02 0 0414730267 O 09/01/32 0 8013815 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.750 804.26 75 6.500 804.26 RENO NV 89703 2 08/29/02 00 0414752451 05 11/01/02 0 0414752451 N 10/01/32 0 8013831 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.625 1,485.52 73 6.375 1,485.52 1 ARTESIA CA 90701 5 08/28/02 00 0414782102 05 11/01/02 0 0414782102 O 10/01/32 0 8013847 E22/G02 F 158,400.00 ZZ 360 158,400.00 1 6.625 1,014.25 80 6.375 1,014.25 ROCHESTER HILLS MI 48307 1 09/06/02 00 0414804096 05 11/01/02 0 0414804096 O 10/01/32 0 8013869 E22/G02 F 380,000.00 ZZ 360 380,000.00 2 6.750 2,464.67 70 6.500 2,464.67 PASADENA CA 91107 5 08/29/02 00 0414832683 05 11/01/02 0 0414832683 O 10/01/32 0 8013873 E22/G02 F 126,000.00 ZZ 360 126,000.00 1 6.500 796.41 90 6.250 796.41 SILVER SPRING MD 20910 1 09/06/02 01 0414836460 01 11/01/02 25 0414836460 N 10/01/32 0 8013887 E22/G02 F 65,600.00 ZZ 360 65,600.00 1 6.875 430.95 80 6.625 430.95 PUEBLO CO 81004 2 09/06/02 00 0414854059 05 11/01/02 0 0414854059 N 10/01/32 0 8013967 E82/G02 F 62,000.00 ZZ 360 62,000.00 1 6.625 396.99 71 6.375 396.99 RIO RANCHO NM 87144 2 09/05/02 00 0400675112 05 11/01/02 0 0400675112 O 10/01/32 0 1 8013981 E82/G02 F 77,000.00 ZZ 360 77,000.00 1 6.625 493.04 39 6.375 493.04 DENVER CO 80207 2 09/09/02 00 0400690236 05 11/01/02 0 1523931 N 10/01/32 0 8014053 624/G02 F 173,750.00 ZZ 360 173,596.70 1 6.625 1,112.54 57 6.375 1,112.54 BOTHELL WA 98021 2 08/26/02 00 0434593323 05 10/01/02 0 1000007104 O 09/01/32 0 8014131 624/G02 F 240,000.00 ZZ 360 239,783.04 3 6.500 1,516.96 80 6.250 1,516.96 LOMPOC CA 93436 5 08/23/02 00 0434594040 05 10/01/02 0 1000007273 O 09/01/32 0 8014155 624/G02 F 220,000.00 ZZ 360 219,815.18 1 6.875 1,445.24 74 6.625 1,445.24 GARDEN GROVE CA 92843 1 08/07/02 00 0434524914 05 10/01/02 0 1000006985 N 09/01/32 0 8014177 624/G02 F 121,500.00 ZZ 360 121,392.80 1 6.625 777.98 80 6.375 777.98 EXETER CA 93221 1 08/14/02 00 0434606315 05 10/01/02 0 1000006919 O 09/01/32 0 8014215 624/G02 F 110,000.00 ZZ 360 109,832.09 1 1 7.375 759.74 74 7.125 759.74 FORT BRAGG CA 95437 1 07/30/02 00 0434603403 05 09/01/02 0 1000005846 N 08/01/32 0 8014233 624/G02 F 62,000.00 ZZ 360 61,947.91 1 6.875 407.30 24 6.625 407.30 LOMPOC CA 93436 5 08/08/02 00 0434609475 05 10/01/02 0 1000005978 N 09/01/32 0 8014737 624/G02 F 236,000.00 ZZ 360 235,582.43 1 6.625 1,511.13 56 6.375 1,511.13 GILROY CA 95020 2 08/19/02 00 0434606364 05 09/01/02 0 1000005270 O 08/01/32 0 8014739 624/G02 F 100,000.00 ZZ 360 99,858.39 1 7.750 716.41 59 7.500 716.41 MERCED CA 95348 1 07/19/02 00 0434515672 05 09/01/02 0 1000005373 N 08/01/32 0 8014771 624/G02 F 135,000.00 ZZ 360 134,880.89 1 6.625 864.42 57 6.375 864.42 OGDEN UT 84414 2 08/26/02 00 0434572087 05 10/01/02 0 1000007732 O 09/01/32 0 8014779 624/G02 F 61,928.00 ZZ 360 61,873.36 1 6.625 396.53 25 6.375 396.53 MODESTO CA 95356 1 08/27/02 00 0434597050 05 10/01/02 0 1 100009131 O 09/01/32 0 8014785 624/G02 F 197,600.00 ZZ 360 197,421.36 1 6.500 1,248.97 80 6.250 1,248.97 SAN DIEGO CA 92105 1 08/01/02 00 0434605028 05 10/01/02 0 1000006294 O 09/01/32 0 8014787 624/G02 F 162,000.00 ZZ 360 161,733.65 1 7.000 1,077.79 74 6.750 1,077.79 LOMPOC CA 93436 1 07/08/02 00 0434571774 05 09/01/02 0 1000003340 O 08/01/32 0 8014819 624/G02 F 112,000.00 ZZ 360 111,815.85 1 7.000 745.14 25 6.750 745.14 LOMPOC CA 93436 5 07/23/02 00 0434519104 05 09/01/02 0 1000005294 O 08/01/32 0 8014821 624/G02 F 100,000.00 T 360 99,839.59 1 7.125 673.72 65 6.875 673.72 FORT BRAGG CA 95437 5 07/30/02 00 0434604088 05 09/01/02 0 1000003988 O 08/01/32 0 8014825 624/G02 F 121,700.00 ZZ 360 121,595.22 1 6.750 789.34 50 6.500 789.34 LOMPOC CA 93436 1 08/27/02 00 0434566097 05 10/01/02 0 1000009206 N 09/01/32 0 1 8014827 624/G02 F 127,000.00 ZZ 360 126,791.20 1 7.000 844.93 80 6.750 844.93 SANTA MARIA CA 93455 1 07/25/02 00 0434610432 01 09/01/02 0 1000005511 N 08/01/32 0 8014889 624/G02 F 199,450.00 ZZ 360 199,274.03 1 6.625 1,277.10 80 6.375 1,277.10 BRENTWOOD CA 94513 1 08/26/02 00 0434573382 03 10/01/02 0 1000007864 N 09/01/32 0 8014953 W93/G02 F 135,200.00 ZZ 360 135,094.52 1 7.250 922.31 80 7.000 922.31 CHINO VALLEY AZ 86323 1 08/06/02 00 0434598702 05 10/01/02 0 35394483 O 09/01/32 0 8015213 624/G02 F 196,000.00 ZZ 360 195,831.25 1 6.750 1,271.25 80 6.500 1,271.25 SALINAS CA 93906 1 08/07/02 00 0434569570 07 10/01/02 0 1000003215 O 09/01/32 0 8015279 822/G02 F 111,600.00 ZZ 360 111,506.24 3 6.875 733.14 90 6.625 733.14 PROVIDENCE RI 02908 1 08/02/02 12 0434621710 05 10/01/02 25 3446029729 N 09/01/32 0 8015281 P44/G02 F 182,500.00 ZZ 360 182,500.00 1 6.625 1,168.57 61 6.375 1,168.57 1 (BARNSTABLE) CE MA 02632 5 09/04/02 00 0434584785 05 11/01/02 0 1 O 10/01/32 0 8015309 624/G02 F 148,400.00 ZZ 360 148,269.07 1 6.625 950.22 80 6.375 950.22 SAN DIEGO CA 92104 1 08/06/02 00 0434518973 05 10/01/02 0 1000006852 O 09/01/32 0 8015345 K15/G02 F 130,400.00 ZZ 360 130,400.00 1 7.125 878.53 80 6.875 878.53 MASTIC NY 11950 5 08/31/02 00 0434545992 05 11/01/02 0 020705303522 O 10/01/32 0 8015379 624/G02 F 109,900.00 ZZ 360 109,809.91 1 7.000 731.17 58 6.750 731.17 LAKE OSWEGO OR 97035 1 08/22/02 00 0434562674 05 10/01/02 0 1000001673 O 09/01/32 0 8015423 624/G02 F 226,000.00 ZZ 360 225,805.42 1 6.750 1,465.83 68 6.500 1,465.83 INCLINE VILLAGE NV 89450 5 08/05/02 00 0434608543 01 10/01/02 0 1000005587 O 09/01/32 0 8015463 624/G02 F 84,000.00 ZZ 360 83,934.47 2 7.250 573.03 75 7.000 573.03 LOCKHART TX 78644 1 08/09/02 00 0434570792 05 10/01/02 0 1000005235 N 09/01/32 0 1 8015501 X72/G02 F 163,800.00 T 360 163,665.73 1 7.000 1,089.77 90 6.750 1,089.77 GEORGETOWN CO 80444 1 08/29/02 11 0434641601 01 10/01/02 25 21026064 O 09/01/32 0 8015603 E86/G02 F 200,000.00 ZZ 360 200,000.00 1 7.125 1,347.44 79 6.875 1,347.44 MAHOPAC NY 10541 1 09/04/02 00 0434531539 05 11/01/02 0 0000202653 O 10/01/32 0 8015787 G34/G02 F 157,000.00 ZZ 360 156,858.07 1 6.500 992.35 85 6.250 992.35 SACRAMENTO CA 95828 1 08/26/02 12 0434594248 05 10/01/02 12 48200480 O 09/01/32 0 8016699 F61/G02 F 255,600.00 ZZ 360 255,600.00 1 7.125 1,722.02 90 6.875 1,722.02 SEATTLE WA 98118 1 09/03/02 04 0434569497 05 11/01/02 25 020960S O 10/01/32 0 8016759 U19/G02 F 77,000.00 ZZ 360 76,930.39 1 6.500 486.69 74 6.250 486.69 AURORA CO 80012 5 09/11/02 00 0434509527 03 10/01/02 0 50804667 O 09/01/32 0 8016819 U19/G02 F 159,500.00 ZZ 360 159,355.81 1 1 6.500 1,008.15 79 6.250 1,008.15 LONGMONT CO 80501 2 08/23/02 00 0434509824 05 10/01/02 0 50804723 O 09/01/32 0 8016831 U19/G02 F 160,000.00 ZZ 360 159,855.36 1 6.500 1,011.31 75 6.250 1,011.31 DENVER CO 80222 5 08/22/02 00 0434506481 05 10/01/02 0 50804681 O 09/01/32 0 8017033 J95/G02 F 120,000.00 ZZ 360 119,894.12 1 6.625 768.38 80 6.375 768.38 WICHITA KS 67212 2 08/05/02 00 0434509667 03 10/01/02 0 0029602950 O 09/01/32 0 8017455 B57/G02 F 171,000.00 ZZ 360 170,863.25 3 7.125 1,152.06 90 6.875 1,152.06 MESA AZ 85201 1 08/23/02 01 0434721502 05 10/01/02 25 20000610 N 09/01/32 0 8017503 E76/G02 F 167,400.00 ZZ 360 167,400.00 2 6.875 1,099.70 78 6.625 1,099.70 GEORGETOWN TX 78626 1 09/06/02 00 0434524625 05 11/01/02 0 10016130 N 10/01/32 0 8017531 E76/G02 F 167,400.00 ZZ 360 167,400.00 2 6.875 1,099.70 78 6.625 1,099.70 GEORGETOWN TX 78626 1 09/06/02 00 0434527917 05 11/01/02 0 1 10015922 N 10/01/32 0 8017829 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.125 673.72 80 6.875 673.72 ATLANTA GA 30349 5 09/03/02 00 0414431650 05 11/01/02 0 0414431650 O 10/01/32 0 8017831 E22/G02 F 223,000.00 ZZ 360 223,000.00 1 6.625 1,427.89 69 6.375 1,427.89 COVENTRY RI 02816 2 09/04/02 00 0414441162 05 11/01/02 0 0414441162 O 10/01/32 0 8017853 E22/G02 F 212,500.00 ZZ 360 212,330.07 1 7.125 1,431.65 73 6.875 1,431.65 CLOUDCROFT NM 88317 2 09/04/02 00 0414559161 05 10/01/02 0 0414559161 O 09/01/32 0 8017879 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.750 1,426.92 80 6.500 1,426.92 LONDONDERRY NH 03053 5 09/03/02 00 0414619312 05 11/01/02 0 0414619312 O 10/01/32 0 8017981 E22/G02 F 167,000.00 ZZ 360 167,000.00 1 6.625 1,069.32 78 6.375 1,069.32 SAN ANTONIO TX 78209 5 09/04/02 00 0414735217 05 11/01/02 0 0414735217 O 10/01/32 0 1 8017985 E22/G02 F 111,150.00 ZZ 360 111,150.00 1 6.875 730.18 95 6.625 730.18 BOONEVILLE MS 38829 1 09/09/02 10 0414740605 05 11/01/02 30 0414740605 O 10/01/32 0 8018001 E22/G02 F 167,000.00 ZZ 360 167,000.00 1 6.750 1,083.16 93 6.500 1,083.16 RALEIGH NC 27615 2 09/03/02 10 0414751487 03 11/01/02 30 0414751487 O 10/01/32 0 8018015 E22/G02 F 165,300.00 ZZ 360 165,300.00 1 6.625 1,058.43 67 6.375 1,058.43 SCHOOLCRAFT MI 49087 5 09/03/02 00 0414756783 05 11/01/02 0 0414756783 O 10/01/32 0 8018021 E22/G02 F 112,300.00 ZZ 360 112,300.00 1 7.000 747.13 69 6.750 747.13 HIALEAH FL 33012 5 09/03/02 00 0414760462 05 11/01/02 0 0414760462 O 10/01/32 0 8018037 E22/G02 F 172,000.00 ZZ 360 171,844.51 1 6.500 1,087.16 79 6.250 1,087.16 NORTH PORT FL 34286 5 09/04/02 00 0414772319 05 10/01/02 0 0414772319 O 09/01/32 0 8018055 E22/G02 F 137,750.00 ZZ 360 137,750.00 1 6.875 904.92 95 6.625 904.92 1 FORT LAUDERDALE FL 33313 1 09/09/02 04 0414786368 05 11/01/02 30 0414786368 O 10/01/32 0 8018071 E22/G02 F 167,500.00 ZZ 360 167,366.05 1 7.125 1,128.48 72 6.875 1,128.48 CLEVELAND MS 38732 2 09/04/02 00 0414803262 05 10/01/02 0 0414803262 O 09/01/32 0 8018075 E22/G02 F 126,000.00 ZZ 240 126,000.00 1 6.625 948.72 90 6.375 948.72 MOUNT OLIVE AL 35117 5 09/03/02 04 0414805333 05 11/01/02 25 0414805333 O 10/01/22 0 8018085 E22/G02 F 168,000.00 ZZ 360 168,000.00 1 6.875 1,103.64 85 6.625 1,103.64 MIAMI FL 33177 5 09/03/02 04 0414811372 05 11/01/02 12 0414811372 O 10/01/32 0 8018107 E22/G02 F 117,000.00 ZZ 360 116,904.10 1 7.000 778.40 48 6.750 778.40 LAKEWOOD CO 80227 2 09/03/02 00 0414839167 05 10/01/02 0 0414839167 O 09/01/32 0 8018123 E22/G02 F 183,600.00 ZZ 360 183,600.00 1 6.875 1,206.12 90 6.625 1,206.12 RICHMOND MI 48062 5 09/04/02 01 0414864595 01 11/01/02 25 0414864595 O 10/01/32 0 1 8018125 E22/G02 F 53,600.00 ZZ 360 53,600.00 1 6.875 352.11 80 6.625 352.11 PUEBLO CO 81004 2 09/09/02 00 0414867762 05 11/01/02 0 0414867762 N 10/01/32 0 8018215 E82/G02 F 281,000.00 ZZ 360 281,000.00 1 6.625 1,799.27 32 6.375 1,799.27 SAN FRANCISCO CA 94127 2 09/05/02 00 0400686580 05 11/01/02 0 2826972 N 10/01/32 0 8018455 X27/G02 F 247,600.00 ZZ 360 247,381.55 4 6.625 1,585.41 61 6.375 1,585.41 DOWNEY CA 90241 2 08/23/02 00 0434608386 05 10/01/02 0 10000291 O 09/01/32 0 8019309 F61/G02 F 166,500.00 ZZ 360 166,360.12 1 6.875 1,093.79 75 6.625 1,093.79 MONROE WA 98272 2 08/20/02 00 0434609947 05 10/01/02 0 021391B N 09/01/32 0 8019413 B43/G02 F 157,600.00 ZZ 360 157,469.33 1 7.000 1,048.52 80 6.750 1,048.52 OVILLA TX 75154 5 08/16/02 00 0434610200 05 10/01/02 0 28143 O 09/01/32 0 8019469 F61/G02 F 157,500.00 ZZ 360 157,367.68 1 1 6.875 1,034.66 75 6.625 1,034.66 BOTHELL WA 98011 5 08/20/02 00 0434617999 05 10/01/02 0 021390B N 09/01/32 0 8019587 F61/G02 F 161,250.00 ZZ 360 161,114.53 1 6.875 1,059.30 75 6.625 1,059.30 BOTHELL WA 98011 5 08/20/02 00 0434596391 05 10/01/02 0 021387B N 09/01/32 0 8020617 975/G02 F 76,800.00 ZZ 360 76,800.00 1 6.500 485.43 80 6.250 485.43 ONTARIO CA 91762 1 09/01/02 00 0434561296 01 11/01/02 0 2023214 O 10/01/32 0 8020691 X31/G02 F 92,650.00 ZZ 360 92,650.00 1 6.375 578.02 38 6.125 578.02 SAN DIEGO CA 92139 2 08/30/02 00 0434617296 05 11/01/02 0 40103675 O 10/01/32 0 8020851 N67/G02 F 85,150.00 ZZ 360 85,013.41 1 7.125 573.67 29 6.875 573.67 CORONA CA 92879 2 07/30/02 00 0434544078 05 09/01/02 0 1461000456 O 08/01/32 0 8021069 N67/G02 F 138,000.00 ZZ 360 137,749.82 1 6.500 872.25 55 6.250 872.25 BROOKFIELD CT 06804 5 07/09/02 00 0434545844 05 09/01/02 0 1 1785003072 O 08/01/32 0 8022203 E11/G02 F 100,000.00 ZZ 360 99,913.90 1 6.750 648.60 57 6.500 648.60 SAVAGE MN 55378 1 09/04/02 00 0434613022 09 10/01/02 0 002001046933 N 09/01/32 0 8022325 X44/G02 F 269,000.00 ZZ 360 268,768.40 1 6.750 1,744.73 77 6.500 1,744.73 WILMINGTON DE 19810 1 08/30/02 00 0434659900 05 10/01/02 0 89342401 O 09/01/32 0 8022577 A35/G02 F 197,000.00 ZZ 360 197,000.00 1 6.875 1,294.15 66 6.625 1,294.15 MASSAPEQUA PARK NY 11762 5 08/29/02 00 0434617163 05 11/01/02 0 1 O 10/01/32 0 8022587 Q14/G02 F 53,000.00 ZZ 360 53,000.00 1 6.625 339.36 56 6.375 339.36 BLUE SPRINGS MO 64014 2 09/05/02 00 0434559522 05 11/01/02 0 0208885 O 10/01/32 0 8022723 696/G02 F 199,900.00 ZZ 360 199,740.15 1 7.125 1,346.76 80 6.875 1,346.76 ASHBURN VA 20147 1 08/26/02 00 0434542833 09 10/01/02 0 21702197 O 09/01/32 0 1 8022749 W93/G02 F 175,900.00 ZZ 360 175,744.80 1 6.625 1,126.31 80 6.375 1,126.31 BOISE ID 83713 1 08/22/02 00 0434558326 03 10/01/02 0 60400510 O 09/01/32 0 8022799 X31/G02 F 132,300.00 ZZ 360 132,300.00 1 6.250 814.59 80 6.000 814.59 POMONA CA 91768 2 08/29/02 00 0434614368 05 11/01/02 0 40103673 O 10/01/32 0 8022817 W68/G02 F 144,000.00 ZZ 360 143,887.67 1 7.250 982.33 80 7.000 982.33 DALLAS TX 75224 5 08/21/02 00 0434595120 05 10/01/02 0 28066 O 09/01/32 0 8023257 562/G02 F 69,550.00 ZZ 360 69,550.00 1 6.875 456.90 90 6.625 456.90 MONROE NY 10950 1 09/09/02 04 0434616165 05 11/01/02 30 297044746 N 10/01/32 0 8023303 U28/G02 F 100,000.00 ZZ 360 100,000.00 1 6.875 656.93 23 6.625 656.93 ALPHARETTA GA 30022 5 09/12/02 00 0434583019 03 11/01/02 0 1 O 10/01/32 0 8023771 M37/G02 F 157,950.00 ZZ 360 157,820.52 1 7.000 1,050.85 90 6.750 1,050.85 1 ALBUQUERQUE NM 87112 1 08/29/02 04 0434594107 05 10/01/02 30 608558 O 09/01/32 0 8024355 N67/G02 F 168,750.00 ZZ 360 168,618.36 1 7.250 1,151.17 75 7.000 1,151.17 CHANDLER AZ 85225 2 08/16/02 00 0434544136 03 10/01/02 0 1781002564A O 09/01/32 0 8024369 N67/G02 F 125,000.00 ZZ 360 124,902.49 1 7.250 852.72 50 7.000 852.72 GILBERT AZ 85234 1 08/20/02 00 0434544276 03 10/01/02 0 1781002690A O 09/01/32 0 8025267 E22/G02 F 165,000.00 ZZ 360 165,000.00 1 6.500 1,042.91 75 6.250 1,042.91 BUTLER NJ 07405 5 09/05/02 00 0414429555 05 11/01/02 0 0414429555 O 10/01/32 0 8025271 E22/G02 F 55,000.00 ZZ 360 55,000.00 2 7.250 375.20 66 7.000 375.20 BURLESON TX 76028 2 09/10/02 00 0414468645 05 11/01/02 0 0414468645 N 10/01/32 0 8025275 E22/G02 F 58,000.00 ZZ 360 58,000.00 2 7.250 395.66 69 7.000 395.66 BURLESON TX 76028 2 09/10/02 00 0414469312 05 11/01/02 0 0414469312 N 10/01/32 0 1 8025277 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.625 665.92 80 6.375 665.92 MIAMI FL 33133 1 08/30/02 00 0414478917 01 11/01/02 0 0414478917 O 10/01/32 0 8025287 E22/G02 F 184,000.00 ZZ 360 184,000.00 1 6.875 1,208.75 80 6.625 1,208.75 CHEHALIS WA 98532 2 09/03/02 00 0414504258 05 11/01/02 0 0414504258 O 10/01/32 0 8025293 E22/G02 F 180,800.00 T 360 180,658.96 1 7.250 1,233.37 80 7.000 1,233.37 SALUDA NC 28773 2 09/10/02 00 0414565176 05 10/01/02 0 0414565176 O 09/01/32 0 8025295 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 7.000 984.65 80 6.750 984.65 MILFORD CT 06460 1 09/10/02 00 0414566026 01 11/01/02 0 0414566026 O 10/01/32 0 8025347 E22/G02 F 255,000.00 ZZ 360 255,000.00 1 6.875 1,675.17 79 6.625 1,675.17 THOUSAND OAKS CA 91320 5 09/05/02 00 0414690164 05 11/01/02 0 0414690164 O 10/01/32 0 8025359 E22/G02 F 263,500.00 ZZ 360 263,500.00 1 1 6.875 1,731.01 78 6.625 1,731.01 HIGHLAND PARK IL 60035 2 09/05/02 00 0414700690 05 11/01/02 0 0414700690 O 10/01/32 0 8025387 E22/G02 F 80,000.00 ZZ 360 80,000.00 1 7.250 545.74 75 7.000 545.74 BEDFORD TX 76022 5 09/05/02 00 0414727990 05 11/01/02 0 0414727990 O 10/01/32 0 8025403 E22/G02 F 212,000.00 ZZ 360 212,000.00 1 6.750 1,375.03 79 6.500 1,375.03 BERTHOUD CO 80513 2 09/05/02 00 0414738229 05 11/01/02 0 0414738229 O 10/01/32 0 8025417 E22/G02 F 231,000.00 ZZ 360 231,000.00 3 7.125 1,556.29 50 6.875 1,556.29 SAN JOSE CA 95112 2 09/03/02 00 0414758987 05 11/01/02 0 0414758987 O 10/01/32 0 8025465 E22/G02 F 160,000.00 ZZ 360 160,000.00 4 7.125 1,077.95 80 6.875 1,077.95 AUSTIN TX 75757 1 09/10/02 00 0414788695 05 11/01/02 0 0414788695 O 10/01/32 0 8025479 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.625 793.99 90 6.375 793.99 WALLINGFORD CT 06492 5 09/05/02 04 0414800359 05 11/01/02 25 1 0414800359 O 10/01/32 0 8025483 E22/G02 F 73,100.00 ZZ 360 73,100.00 1 6.625 468.07 69 6.375 468.07 NEW BEDFORD MA 02745 5 09/05/02 00 0414805762 05 11/01/02 0 0414805762 O 10/01/32 0 8025529 E22/G02 F 215,000.00 ZZ 360 215,000.00 2 6.875 1,412.40 74 6.625 1,412.40 LOWELL MA 01850 5 09/05/02 00 0414852319 05 11/01/02 0 0414852319 O 10/01/32 0 8025679 E82/G02 F 130,400.00 ZZ 360 130,400.00 4 6.625 834.97 90 6.375 834.97 SEASIDE HEIGHTS NJ 08751 2 09/12/02 04 0400687190 05 11/01/02 25 4956020 N 10/01/32 0 8025683 E82/G02 F 106,700.00 ZZ 360 106,700.00 1 6.875 700.94 71 6.625 700.94 PHOENIX AZ 85024 2 09/10/02 00 0400673838 05 11/01/02 0 1652952 N 10/01/32 0 8025895 S27/G02 F 184,500.00 ZZ 360 184,356.07 4 7.250 1,258.62 90 7.000 1,258.62 HOLLYWOOD MD 20636 1 09/04/02 10 0434594537 05 10/01/02 25 1020004607 N 09/01/32 0 1 8025903 U05/G02 F 82,400.00 ZZ 360 82,330.77 1 6.875 541.31 49 6.625 541.31 HOUSTON TX 77068 5 08/26/02 00 0434623757 03 10/01/02 0 3254608 O 09/01/32 0 8026723 W08/G02 F 285,300.00 ZZ 360 285,300.00 1 6.875 1,874.22 90 6.625 1,874.22 MIAMI FL 33180 1 09/06/02 10 0434574356 05 11/01/02 25 021671MG O 10/01/32 0 8027029 S27/G02 F 144,000.00 ZZ 360 144,000.00 1 7.250 982.34 80 7.000 982.34 FLAGLER BEACH FL 32136 1 09/06/02 00 0434595823 05 11/01/02 0 1010021519 N 10/01/32 0 8027065 W35/G02 F 160,000.00 ZZ 360 159,862.24 1 6.750 1,037.76 80 6.500 1,037.76 WEST LAFAYETTE IN 47906 5 08/23/02 00 0434598355 05 10/01/02 0 12195 O 09/01/32 0 8027295 W02/G02 F 78,000.00 ZZ 360 77,932.84 1 6.750 505.91 94 6.500 505.91 HUDSON FL 34669 5 08/16/02 12 0434601076 05 10/01/02 30 1001331824 O 09/01/32 0 8027317 R84/G02 F 114,843.00 ZZ 360 114,843.00 1 6.750 744.87 75 6.500 744.87 1 HENDERSON NV 89014 1 09/05/02 00 0434571659 09 11/01/02 0 LVW4467 N 10/01/32 0 8027337 W02/G02 F 110,750.00 ZZ 360 110,654.65 1 6.750 718.32 87 6.500 718.32 JACKSONVILLE FL 32277 5 08/13/02 12 0434603908 05 10/01/02 25 1001415387 O 09/01/32 0 8027375 W02/G02 F 156,600.00 ZZ 360 156,458.43 1 6.500 989.82 90 6.250 989.82 BROOKSVILLE FL 34601 5 08/16/02 12 0434608428 05 10/01/02 25 1001379882 O 09/01/32 0 8027379 M82/G02 F 153,000.00 ZZ 360 153,000.00 1 7.250 1,043.73 85 7.000 1,043.73 SNELLVILLE GA 30078 5 09/05/02 12 0434575064 05 11/01/02 12 10411 O 10/01/32 0 8027459 Q14/G02 F 237,500.00 ZZ 360 237,500.00 1 6.625 1,520.74 95 6.375 1,520.74 WAVERLY IA 50677 5 09/05/02 01 0434614053 05 11/01/02 30 0208691 O 10/01/32 0 8027465 822/G02 F 51,750.00 ZZ 360 51,705.44 4 6.750 335.65 90 6.500 335.65 PHILADELPHIA PA 19124 1 08/15/02 10 0434571303 05 10/01/02 25 3636071874 N 09/01/32 0 1 8027705 168/168 F 225,000.00 ZZ 360 224,796.60 1 6.500 1,422.15 79 6.250 1,422.15 WEST COVINA CA 91790 5 08/26/02 00 0089693191 05 10/01/02 0 0089693191 O 09/01/32 0 8027823 738/G02 F 104,000.00 ZZ 360 104,000.00 1 6.875 683.21 80 6.625 683.21 GREER SC 29650 1 09/04/02 00 0434560900 03 11/01/02 0 40581729 O 10/01/32 0 8028257 A80/G02 F 104,400.00 ZZ 360 104,400.00 1 6.875 685.83 90 6.625 685.83 MIAMI FL 33186 1 09/06/02 10 0434594164 01 11/01/02 25 020831107 N 10/01/32 0 8028381 L20/G02 F 93,750.00 ZZ 360 93,750.00 1 6.750 608.06 75 6.500 608.06 MERIDIAN ID 83642 2 09/05/02 00 0434574612 03 11/01/02 0 703272 N 10/01/32 0 8028905 Q87/G02 F 240,000.00 ZZ 360 239,788.25 1 6.625 1,536.75 79 6.375 1,536.75 ACWORTH GA 30101 2 08/29/02 00 0434600300 05 10/04/02 0 HARU01 O 09/04/32 0 8029671 W08/G02 F 56,865.00 ZZ 360 56,865.00 1 1 7.125 383.11 85 6.875 383.11 HOMESTEAD FL 33034 1 09/04/02 10 0434609426 01 11/01/02 12 021442MG N 10/01/32 0 8029933 E22/G02 F 145,600.00 ZZ 360 145,600.00 1 7.250 993.25 80 7.000 993.25 PERRYSBURG OH 43551 1 09/11/02 00 0414529586 05 11/01/02 0 0414529586 N 10/01/32 0 8029961 E22/G02 F 125,600.00 ZZ 360 125,600.00 1 6.625 804.23 80 6.375 804.23 RENO NV 89503 1 09/05/02 00 0414632943 05 11/01/02 0 0414632943 N 10/01/32 0 8029963 E22/G02 F 107,600.00 ZZ 360 107,600.00 1 6.875 706.86 80 6.625 706.86 IRVING TX 75061 5 09/06/02 00 0414640516 05 11/01/02 0 0414640516 O 10/01/32 0 8029967 E22/G02 F 72,000.00 ZZ 360 72,000.00 2 6.875 472.99 75 6.625 472.99 COLUMBUS OH 43203 5 09/11/02 00 0414647628 05 11/01/02 0 0414647628 N 10/01/32 0 8029969 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.625 1,485.52 80 6.375 1,485.52 WEST BLOOMFIELD MI 48322 2 09/06/02 00 0414649129 01 11/01/02 0 1 0414649129 O 10/01/32 0 8030017 E22/G02 F 248,000.00 ZZ 360 248,000.00 1 7.000 1,649.95 80 6.750 1,649.95 CHICAGO IL 60657 5 09/06/02 00 0414709253 01 11/01/02 0 0414709253 O 10/01/32 0 8030027 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.875 1,051.09 73 6.625 1,051.09 TROPHY CLUB TX 76262 5 09/06/02 00 0414718619 03 11/01/02 0 0414718619 O 10/01/32 0 8030037 E22/G02 F 101,700.00 ZZ 360 101,700.00 1 6.625 651.20 90 6.375 651.20 MERRITT ISLAND FL 32953 5 09/06/02 04 0414724799 05 11/01/02 25 0414724799 O 10/01/32 0 8030071 E22/G02 F 169,500.00 ZZ 360 169,500.00 1 6.875 1,113.49 80 6.625 1,113.49 DOVER TOWNSHIP NJ 08753 5 09/06/02 00 0414755041 05 11/01/02 0 0414755041 O 10/01/32 0 8030073 E22/G02 F 116,100.00 ZZ 360 116,100.00 1 7.000 772.42 90 6.750 772.42 OREM UT 84057 1 09/03/02 04 0414756601 05 11/01/02 25 0414756601 N 10/01/32 0 1 8030079 E22/G02 F 196,000.00 ZZ 360 196,000.00 1 6.625 1,255.01 80 6.375 1,255.01 GRASS VALLEY CA 95949 1 09/07/02 00 0414758466 05 11/01/02 0 0414758466 O 10/01/32 0 8030083 E22/G02 F 85,400.00 ZZ 360 85,400.00 1 6.500 539.79 89 6.250 539.79 CHARLOTTE NC 28212 5 09/06/02 10 0414761205 05 11/01/02 25 0414761205 O 10/01/32 0 8030113 E22/G02 F 109,500.00 ZZ 360 109,500.00 1 6.750 710.21 80 6.500 710.21 FORT WAYNE IN 46835 1 09/11/02 00 0414785410 05 11/01/02 0 0414785410 O 10/01/32 0 8030129 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.500 1,542.25 80 6.250 1,542.25 WEST BLOOMFIELD MI 48322 5 09/06/02 00 0414807875 05 11/01/02 0 0414807875 O 10/01/32 0 8030139 E22/G02 F 153,200.00 ZZ 360 153,200.00 1 6.625 980.96 80 6.375 980.96 HOUSTON TX 77066 5 09/06/02 00 0414812115 03 11/01/02 0 0414812115 O 10/01/32 0 8030149 E22/G02 F 92,700.00 ZZ 360 92,700.00 1 6.500 585.93 90 6.250 585.93 1 KANSAS CITY MO 64133 5 09/06/02 01 0414821124 05 11/01/02 30 0414821124 O 10/01/32 0 8030155 E22/G02 F 118,000.00 ZZ 360 118,000.00 1 6.625 755.57 70 6.375 755.57 ASHEVILLE NC 28801 5 09/06/02 00 0414823567 05 11/01/02 0 0414823567 O 10/01/32 0 8030161 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.875 1,524.07 63 6.625 1,524.07 COLORADO SPRING CO 80907 5 09/06/02 00 0414835231 05 11/01/02 0 0414835231 O 10/01/32 0 8030175 E22/G02 F 99,900.00 ZZ 360 99,900.00 1 6.625 639.67 50 6.375 639.67 AMARILLO TX 79102 2 09/06/02 00 0414849877 05 11/01/02 0 0414849877 O 10/01/32 0 8030179 E22/G02 F 127,800.00 ZZ 360 127,800.00 1 7.250 871.82 90 7.000 871.82 SAN ANTONIO TX 78248 1 09/11/02 04 0414854372 03 11/01/02 25 0414854372 O 10/01/32 0 8030185 E22/G02 F 46,500.00 ZZ 360 46,500.00 1 7.000 309.37 75 6.750 309.37 BOONE CO 81025 5 09/11/02 00 0414861294 05 11/01/02 0 0414861294 N 10/01/32 0 1 8030187 E22/G02 F 87,000.00 ZZ 360 87,000.00 1 6.750 564.28 67 6.500 564.28 THE DALLES OR 97058 5 09/03/02 00 0414862805 05 11/01/02 0 0414862805 O 10/01/32 0 8030193 E22/G02 F 105,600.00 ZZ 360 105,600.00 1 7.125 711.45 80 6.875 711.45 FORT LAUDERDALE FL 33334 1 09/11/02 00 0414878991 05 11/01/02 0 0414878991 N 10/01/32 0 8030201 E22/G02 F 215,500.00 ZZ 360 215,500.00 1 6.625 1,379.87 85 6.375 1,379.87 LONGMONT CO 80501 1 09/11/02 01 0414900332 03 11/01/02 25 0414900332 O 10/01/32 0 8031119 883/G02 F 135,000.00 ZZ 360 135,000.00 1 7.000 898.16 72 6.750 898.16 SPRINGFIELD PA 19064 5 08/30/02 00 0434593810 05 11/01/02 0 15003010 O 10/01/32 0 8031185 K15/G02 F 119,000.00 ZZ 360 119,000.00 1 6.750 771.83 85 6.500 771.83 JERSEY CITY NJ 07307 5 09/06/02 41 0434588265 05 11/01/02 12 203505303043 O 10/01/32 0 8031217 E45/G02 F 207,000.00 ZZ 360 206,838.53 1 1 7.250 1,412.10 52 7.000 1,412.10 OAK ISLAND NC 28465 5 08/16/02 00 0434577011 05 10/01/02 0 264755 N 09/01/32 0 8031463 X82/G02 F 105,000.00 ZZ 360 104,913.93 1 7.000 698.57 77 6.750 698.57 CAPON BRIDGE WV 26711 5 08/29/02 00 0434605473 05 10/01/02 0 829357 O 09/01/32 0 8031503 369/G02 F 108,900.00 ZZ 360 108,808.51 1 6.875 715.40 75 6.625 715.40 PHOENIX AZ 85224 1 08/21/02 00 0434632105 05 10/01/02 0 23347765 O 09/01/32 0 8031801 G34/G02 F 135,000.00 ZZ 360 134,877.96 1 6.500 853.29 78 6.250 853.29 SACRAMENTO CA 95828 1 08/28/02 00 0434609897 05 10/01/02 0 48200301 O 09/01/32 0 8031925 W98/G02 F 192,000.00 ZZ 360 191,834.69 1 6.750 1,245.31 80 6.500 1,245.31 LEESBURG VA 20175 5 08/27/02 00 0434598827 09 10/01/02 0 L0208016 O 09/01/32 0 8032153 N47/G02 F 240,000.00 ZZ 360 240,000.00 1 6.500 1,516.96 87 6.250 1,516.96 TRACY CA 95376 2 09/01/02 12 0434598025 05 11/01/02 30 1 20121114 O 10/01/32 0 8032203 W39/G02 F 80,000.00 ZZ 360 80,000.00 1 6.875 525.55 70 6.625 525.55 MCKINNEY TX 75069 1 09/11/02 00 0434613865 05 11/01/02 0 PNI22134 N 10/01/32 0 8032229 N47/G02 F 282,600.00 ZZ 360 282,600.00 1 6.875 1,856.48 79 6.625 1,856.48 LAKE CHARLES LA 70605 5 09/05/02 00 0434597837 05 11/01/02 0 40121654 O 10/01/32 0 8032279 Q87/G02 F 104,000.00 ZZ 360 103,908.25 1 6.625 665.92 80 6.375 665.92 KAUFMAN TX 75142 5 08/30/02 00 0434662987 05 10/05/02 0 BUTI04 O 09/05/32 0 8032291 B57/G02 F 226,100.00 ZZ 360 226,100.00 1 6.750 1,466.48 95 6.500 1,466.48 TURLOCK CA 95380 1 09/03/02 01 0434569349 05 11/01/02 30 70000241 O 10/01/32 0 8032311 U05/G02 F 148,000.00 ZZ 360 147,872.57 1 6.750 959.93 63 6.500 959.93 GRANTS PASS OR 97526 5 08/14/02 00 0434604393 05 10/01/02 0 3252309 O 09/01/32 0 1 8033491 642/G02 F 190,000.00 ZZ 360 190,000.00 1 6.500 1,200.93 80 6.250 1,200.93 WHEAT RIDGE CO 80212 5 09/03/02 00 0434568606 05 11/01/02 0 8127702 O 10/01/32 0 8033509 B44/G02 F 205,200.00 ZZ 360 205,023.33 1 6.750 1,330.92 94 6.500 1,330.92 GARDEN VALLEY ID 83622 1 08/27/02 24 0434618328 05 10/01/02 30 4021349 O 09/01/32 0 8033831 E82/G02 F 80,300.00 ZZ 360 80,300.00 1 7.250 547.79 55 7.000 547.79 ASHEBORO NC 27203 2 09/09/02 00 0400670485 05 11/01/02 0 0400670485 O 10/01/32 0 8034005 E22/G02 F 199,500.00 ZZ 360 199,500.00 1 7.000 1,327.28 95 6.750 1,327.28 DANVILLE NH 03819 1 09/12/02 01 0414624973 05 11/01/02 30 0414624973 O 10/01/32 0 8034009 E22/G02 F 25,600.00 ZZ 360 25,600.00 1 7.250 174.64 80 7.000 174.64 GATLINBURG TN 37738 1 09/12/02 00 0414634667 01 11/01/02 0 0414634667 N 10/01/32 0 8034047 E22/G02 F 198,550.00 ZZ 360 198,550.00 1 6.875 1,304.33 95 6.625 1,304.33 1 SAN ANTONIO TX 78230 1 09/12/02 11 0414731760 03 11/01/02 30 0414731760 O 10/01/32 0 8034055 E22/G02 F 113,600.00 ZZ 360 113,600.00 2 6.625 727.39 75 6.375 727.39 TACOMA WA 98444 1 09/05/02 00 0414753871 05 11/01/02 0 0414753871 N 10/01/32 0 8034065 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.750 1,686.36 72 6.500 1,686.36 BILLERICA MA 01862 5 09/06/02 00 0414781625 05 11/01/02 0 0414781625 O 10/01/32 0 8034069 E22/G02 F 122,400.00 ZZ 360 122,400.00 1 6.625 783.74 80 6.375 783.74 EUGENE OR 97403 5 09/04/02 00 0414784835 05 11/01/02 0 0414784835 O 10/01/32 0 8034107 E22/G02 F 91,000.00 ZZ 360 91,000.00 1 6.625 582.68 70 6.375 582.68 COLORADO SPRING CO 80906 1 09/12/02 00 0414843102 01 11/01/02 0 0414843102 N 10/01/32 0 8034115 E22/G02 F 108,000.00 ZZ 360 108,000.00 4 7.125 727.62 90 6.875 727.62 ALBUQUERQUE NM 87106 1 09/12/02 04 0414848291 05 11/01/02 25 0414848291 N 10/01/32 0 1 8034123 E22/G02 F 108,000.00 ZZ 360 108,000.00 4 7.125 727.62 90 6.875 727.62 ALBUQUERQUE NM 87106 1 09/12/02 04 0414854166 05 11/01/02 25 0414854166 N 10/01/32 0 8034157 E47/G02 F 197,000.00 ZZ 360 196,821.91 1 6.500 1,245.17 76 6.250 1,245.17 MANTECA CA 95336 5 08/22/02 00 0434618559 05 10/01/02 0 7359511086 O 09/01/32 0 8034203 601/G02 F 97,000.00 ZZ 360 96,918.50 1 6.875 637.23 73 6.625 637.23 HIXSON TN 37343 1 08/23/02 00 0434599676 05 10/01/02 0 61543328 O 09/01/32 0 8034269 601/G02 F 118,100.00 ZZ 360 118,007.87 4 7.250 805.65 90 7.000 805.65 ATHENS GA 30606 1 08/20/02 14 0434611943 05 10/01/02 25 61722153 N 09/01/32 0 8034291 601/G02 F 68,000.00 ZZ 360 67,946.95 4 7.250 463.88 90 7.000 463.88 SCHENECTADY NY 12304 2 08/15/02 04 0434602074 05 10/01/02 25 6158187 N 09/01/32 0 8034429 601/G02 F 280,000.00 ZZ 360 279,764.76 1 1 6.875 1,839.41 59 6.625 1,839.41 FORT WORTH TX 76108 1 08/09/02 00 0434601316 05 10/01/02 0 6172534 O 09/01/32 0 8034455 601/G02 F 118,400.00 ZZ 360 118,302.95 1 7.000 787.72 80 6.750 787.72 SEFFNER FL 33584 2 08/14/02 00 0434599403 05 10/01/02 0 6172342 O 09/01/32 0 8034641 K39/G02 F 153,000.00 ZZ 240 152,701.80 2 6.875 1,174.76 85 6.625 1,174.76 LONG BRANCH NJ 07740 2 09/04/02 11 0434562393 05 10/09/02 30 584447873 O 09/09/22 0 8034699 E57/G02 F 208,000.00 ZZ 360 207,816.48 1 6.625 1,331.85 78 6.375 1,331.85 CHOWCHILLA CA 93610 2 08/28/02 00 0434606711 05 10/01/02 0 13001357 O 09/01/32 0 8034709 K39/G02 F 144,500.00 ZZ 360 144,378.59 1 6.875 949.27 85 6.625 949.27 PENSACOLA FL 32526 5 09/05/02 10 0434560728 05 10/10/02 12 261593929 O 09/10/32 0 8034719 940/G02 F 297,000.00 ZZ 360 297,000.00 1 6.250 1,828.68 76 6.000 1,828.68 UPLAND CA 91784 1 09/09/02 00 0434610234 03 11/01/02 0 1 40020773 O 10/01/32 0 8034721 369/G02 F 122,000.00 ZZ 360 121,894.96 1 6.750 791.29 57 6.500 791.29 PHOENIX AZ 85308 1 08/26/02 00 0434632121 05 10/01/02 0 0074380387 O 09/01/32 0 8034951 E47/G02 F 260,000.00 ZZ 360 259,786.88 1 7.000 1,729.79 80 6.750 1,729.79 GALT CA 95632 1 08/19/02 00 0434665485 05 10/01/02 0 7333012491 O 09/01/32 0 8035025 Q87/G02 F 166,500.00 ZZ 360 166,370.12 1 7.250 1,135.82 85 7.000 1,135.82 ST. AUGUSTINE FL 32092 5 09/11/02 04 0434618450 05 10/16/02 12 ASDA02 O 09/16/32 0 8035059 S25/G02 F 165,000.00 ZZ 360 164,715.08 1 6.750 1,070.19 88 6.500 1,070.19 HILLSBOROUGH NC 27278 5 08/12/02 11 0434638003 05 09/16/02 25 130448493 O 08/16/32 0 8035189 B44/G02 F 72,000.00 ZZ 360 72,000.00 1 6.750 466.99 48 6.500 466.99 NAMPA ID 83686 1 09/04/02 00 0434618468 05 11/01/02 0 5021183 O 10/01/32 0 1 8035311 M27/G02 F 112,800.00 ZZ 360 112,800.00 1 6.875 741.02 80 6.625 741.02 RALEIGH NC 27616 1 09/05/02 00 0434605457 03 11/01/02 0 1 N 10/01/32 0 8035335 F36/G02 F 110,250.00 ZZ 360 110,250.00 1 6.750 715.08 75 6.500 715.08 TACOMA WA 98418 2 09/03/02 00 0434610127 05 11/01/02 0 06405123 O 10/01/32 0 8035353 W93/G02 F 88,000.00 ZZ 360 87,926.07 1 6.875 578.10 80 6.625 578.10 BOISE ID 83704 2 08/26/02 00 0434621215 05 10/01/02 0 35405591 O 09/01/32 0 8035427 601/G02 F 94,500.00 ZZ 360 94,500.00 1 6.875 620.80 79 6.625 620.80 ORLANDO FL 32817 2 08/28/02 00 0434597019 05 11/01/02 0 61761623 O 10/01/32 0 8035519 B57/G02 F 150,000.00 ZZ 360 150,000.00 1 6.750 972.90 75 6.500 972.90 SOUTH GATE CA 90280 5 09/03/02 00 0434587119 05 11/01/02 0 10005368 O 10/01/32 0 8035521 F61/G02 F 197,200.00 ZZ 360 197,030.21 1 6.750 1,279.04 79 6.500 1,279.04 1 LYNNWOOD WA 98037 5 08/26/02 00 0434607859 05 10/01/02 0 021611B O 09/01/32 0 8035547 601/G02 F 83,000.00 ZZ 360 82,930.26 1 6.875 545.26 47 6.625 545.26 AURORA CO 80014 5 08/26/02 00 0434579017 08 10/01/02 0 61744314 N 09/01/32 0 8035569 W30/G02 F 160,000.00 ZZ 360 159,868.85 1 7.000 1,064.48 88 6.750 1,064.48 DEERFIELD NH 03037 5 08/31/02 14 0434626107 05 10/01/02 25 0608147 O 09/01/32 0 8035653 601/G02 F 245,100.00 ZZ 360 244,888.97 1 6.750 1,589.72 95 6.500 1,589.72 SEMINOLE FL 33777 1 08/15/02 11 0434613170 05 10/01/02 30 617317590 O 09/01/32 0 8035799 601/G02 F 109,600.00 ZZ 360 109,505.63 1 6.750 710.87 80 6.500 710.87 SANTA FE NM 87505 1 08/21/02 00 0434601225 05 10/01/02 0 61757340 O 09/01/32 0 8035891 E47/G02 F 224,000.00 ZZ 360 223,802.37 1 6.625 1,434.30 80 6.375 1,434.30 PITTSBURG CA 94565 2 08/26/02 00 0434648960 05 10/01/02 0 7359511629 O 09/01/32 0 1 8035969 742/G02 F 120,450.00 ZZ 360 120,343.73 1 6.625 771.25 90 6.375 771.25 SPARKS NV 89436 1 08/30/02 11 0434608592 05 10/01/02 25 5607411 N 09/01/32 0 8036521 E22/G02 F 129,750.00 ZZ 360 129,750.00 1 6.625 830.80 75 6.375 830.80 ROYAL OAK MI 48067 5 09/13/02 00 0414552984 05 11/01/02 0 0414552984 N 10/01/32 0 8036535 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.750 583.74 70 6.500 583.74 MIAMI FL 33186 5 09/09/02 00 0414596502 09 11/01/02 0 0414596502 O 10/01/32 0 8036565 E22/G02 F 160,800.00 ZZ 360 160,800.00 1 7.250 1,096.94 80 7.000 1,096.94 PLANO TX 75093 5 09/09/02 00 0414664797 03 11/01/02 0 0414664797 O 10/01/32 0 8036577 E22/G02 F 265,600.00 ZZ 360 265,600.00 1 6.750 1,722.68 80 6.500 1,722.68 FRESNO CA 93711 5 09/05/02 00 0414682278 05 11/01/02 0 0414682278 O 10/01/32 0 8036579 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 1 7.375 1,036.01 53 7.125 1,036.01 AUSTIN TX 78756 5 09/05/02 00 0414684449 05 11/01/02 0 0414684449 O 10/01/32 0 8036581 E22/G02 F 77,700.00 ZZ 360 77,700.00 1 6.875 510.43 70 6.625 510.43 ALBUQUERQUE NM 87120 1 09/11/02 00 0414686543 05 11/01/02 0 0414686543 N 10/01/32 0 8036589 E22/G02 F 219,300.00 ZZ 360 219,300.00 1 6.875 1,440.64 85 6.625 1,440.64 SPIRIT LAKE ID 83869 5 09/04/02 04 0414700393 05 11/01/02 12 0414700393 O 10/01/32 0 8036601 E22/G02 F 206,400.00 ZZ 360 206,400.00 1 6.625 1,321.60 80 6.375 1,321.60 EAST MORICHES NY 11940 5 09/09/02 00 0414712984 05 11/01/02 0 0414712984 O 10/01/32 0 8036609 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 6.625 1,568.76 76 6.375 1,568.76 MOSES LAKE WA 98837 5 09/06/02 00 0414722942 05 11/01/02 0 0414722942 O 10/01/32 0 8036613 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 7.250 436.59 80 7.000 436.59 SAN ANTONIO TX 78201 5 09/09/02 00 0414730176 05 11/01/02 0 1 0414730176 O 10/01/32 0 8036649 E22/G02 F 85,500.00 ZZ 360 85,500.00 1 6.875 561.67 84 6.625 561.67 TULSA OK 74134 2 09/06/02 01 0414775312 05 11/01/02 12 0414775312 O 10/01/32 0 8036669 E22/G02 F 267,450.00 ZZ 360 267,450.00 1 6.625 1,712.51 75 6.375 1,712.51 DALLAS TX 75229 5 09/09/02 00 0414789644 05 11/01/02 0 0414789644 O 10/01/32 0 8036699 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.500 1,137.72 98 6.250 1,137.72 HEBER CITY UT 84032 1 09/06/02 04 0414806661 05 11/01/02 35 0414806661 O 10/01/32 0 8036705 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.500 733.20 80 6.250 733.20 LOVELAND CO 80538 1 09/13/02 00 0414812164 05 11/01/02 0 0414812164 O 10/01/32 0 8036717 E22/G02 F 145,800.00 ZZ 360 145,800.00 1 6.625 933.57 90 6.375 933.57 PLANTATION FL 33324 5 09/09/02 04 0414820902 01 11/01/02 25 0414820902 O 10/01/32 0 1 8036729 E22/G02 F 44,000.00 ZZ 360 44,000.00 1 7.000 292.73 80 6.750 292.73 YORKTOWN IN 47396 1 09/13/02 00 0414833038 05 11/01/02 0 0414833038 N 10/01/32 0 8036735 E22/G02 F 96,300.00 ZZ 360 96,300.00 1 6.750 624.60 65 6.500 624.60 SUN CITY AREA CA 92586 5 09/04/02 00 0414855049 03 11/01/02 0 0414855049 O 10/01/32 0 8036755 E22/G02 F 174,900.00 ZZ 360 174,900.00 2 6.750 1,134.40 70 6.500 1,134.40 NORTH HIGHLANDS CA 95660 1 09/10/02 00 0414873430 05 11/01/02 0 0414873430 N 10/01/32 0 8036757 E22/G02 F 178,400.00 ZZ 360 178,400.00 1 6.375 1,112.98 80 6.125 1,112.98 PLANTATION FL 33313 2 09/09/02 00 0414877134 05 11/01/02 0 0414877134 O 10/01/32 0 8036759 E22/G02 F 196,000.00 ZZ 360 196,000.00 1 6.750 1,271.25 79 6.500 1,271.25 RANCHOS DE TAOS NM 87557 2 09/09/02 00 0414878090 05 11/01/02 0 0414878090 O 10/01/32 0 8036763 E22/G02 F 232,500.00 ZZ 360 232,500.00 2 6.875 1,527.36 75 6.625 1,527.36 1 KIRKLAND WA 98034 1 09/10/02 00 0414879684 05 11/01/02 0 0414879684 N 10/01/32 0 8036775 E22/G02 F 69,200.00 ZZ 360 69,200.00 1 6.875 454.59 80 6.625 454.59 PORT SAINT LUCI FL 34952 1 09/13/02 00 0414913558 05 11/01/02 0 0414913558 O 10/01/32 0 8036783 E22/G02 F 264,735.00 ZZ 360 264,735.00 1 7.125 1,783.57 90 6.875 1,783.57 NAPLES FL 34119 1 09/13/02 11 0414924613 03 11/01/02 25 0414924613 O 10/01/32 0 8036795 E22/G02 F 150,000.00 ZZ 360 150,000.00 2 6.500 948.10 35 6.250 948.10 CHELMSFORD MA 02176 1 09/13/02 00 0414965475 05 11/01/02 0 0414965475 N 10/01/32 0 8036839 E82/G02 F 110,400.00 ZZ 360 110,400.00 1 6.625 706.90 69 6.375 706.90 OVERLAND PARK KS 66223 2 09/12/02 00 0400693578 03 11/01/02 0 1552370 N 10/01/32 0 8036843 E82/G02 F 139,600.00 ZZ 360 139,600.00 1 6.625 893.87 76 6.375 893.87 BERLIN CT 06037 2 09/10/02 00 0400670964 05 11/01/02 0 0400670964 O 10/01/32 0 1 8036853 E82/G02 F 170,200.00 ZZ 360 170,200.00 2 6.875 1,118.09 60 6.625 1,118.09 WEST BABYLON NY 11704 2 09/12/02 00 0400673091 05 11/01/02 0 1938060 N 10/01/32 0 8037197 B57/G02 F 171,000.00 ZZ 360 170,863.25 4 7.125 1,152.06 90 6.875 1,152.06 MESA AZ 85201 1 08/22/02 11 0434601506 05 10/01/02 25 20000608 N 09/01/32 0 8037563 642/G02 F 148,000.00 ZZ 360 148,000.00 2 6.375 923.33 74 6.125 923.33 PROVIDENCE RI 02911 5 09/09/02 00 0434598488 05 11/01/02 0 08105102 O 10/01/32 0 8037569 E86/G02 F 207,200.00 ZZ 360 207,025.92 1 6.875 1,361.16 80 6.625 1,361.16 LAKEWOOD CA 90712 1 08/19/02 00 0434609863 05 10/01/02 0 0000205011 O 09/01/32 0 8037647 E86/G02 F 128,700.00 ZZ 360 128,501.31 1 7.375 888.89 90 7.125 888.89 PHOENIX AZ 85018 1 07/31/02 01 0434608147 05 09/01/02 25 206300 N 08/01/32 0 8037701 X31/G02 F 135,000.00 ZZ 360 135,000.00 4 1 7.375 932.41 70 7.125 932.41 SAN BERNARDINO CA 92410 1 09/06/02 01 0434658159 05 11/01/02 35 24000422 N 10/01/32 0 8037715 E76/G02 F 38,400.00 ZZ 360 38,400.00 1 7.000 255.48 80 6.750 255.48 OKLAHOMA CITY OK 73120 1 09/11/02 00 0434596235 05 11/01/02 0 10015 N 10/01/32 0 8037731 E86/G02 F 135,920.00 ZZ 360 135,701.97 1 7.125 915.72 80 6.875 915.72 KENNESAW GA 30144 1 07/16/02 00 0434599981 03 09/01/02 0 209757 O 08/01/32 0 8037771 A52/G02 F 85,600.00 ZZ 360 85,600.00 1 7.125 576.70 80 6.875 576.70 DOUGLASVILLE GA 30135 5 09/11/02 00 0434601738 05 11/01/02 0 20829 O 10/01/32 0 8037795 Q14/G02 F 91,920.00 ZZ 360 91,920.00 1 7.000 611.55 80 6.750 611.55 LEES SUMMIT MO 64063 1 09/12/02 00 0434614475 05 11/01/02 0 0208959B N 10/01/32 0 8037817 Q14/G02 F 77,500.00 ZZ 360 77,500.00 1 6.625 496.24 78 6.375 496.24 EAST MOLINE IL 61244 2 09/11/02 00 0434609608 05 11/01/02 0 1 0208948 O 10/01/32 0 8037859 U42/G02 F 27,000.00 ZZ 360 27,000.00 1 7.250 184.19 24 7.000 184.19 AUSTIN TX 78745 1 09/09/02 00 0434617189 05 11/01/02 0 10201434 N 10/01/32 0 8037867 A06/G02 F 52,500.00 ZZ 360 52,459.04 2 7.250 358.15 73 7.000 358.15 HILLSDALE MI 49242 2 09/03/02 00 0434593224 05 10/01/02 0 1 N 09/01/32 0 8037875 U36/G02 F 105,000.00 ZZ 360 104,911.78 1 6.875 689.78 66 6.625 689.78 CENTREVILLE VA 20121 1 08/30/02 00 0434623815 09 10/01/02 0 010402001 O 09/01/32 0 8038613 G51/G02 F 107,406.00 ZZ 360 107,320.10 1 7.125 723.62 90 6.875 723.62 ST. AUGUSTINE FL 32086 1 08/30/02 14 0434609350 05 10/01/02 35 25000463 N 09/01/32 0 8038731 134/G02 F 145,000.00 ZZ 347 144,739.99 1 7.000 975.46 67 6.750 975.46 HARRISON CITY PA 15636 1 07/22/02 00 0434610986 05 09/01/02 0 11596558 O 07/01/31 0 1 8039317 U19/G02 F 179,000.00 ZZ 360 179,000.00 1 6.500 1,131.40 68 6.250 1,131.40 LITTLETON CO 80120 5 09/09/02 00 0434541959 05 11/01/02 0 40804749 O 10/01/32 0 8039347 S11/G02 F 192,000.00 ZZ 360 191,838.70 1 6.875 1,261.30 80 6.625 1,261.30 RANCHO SANTA MA CA 92688 2 08/27/02 00 0434616892 01 10/01/02 0 10208508 O 09/01/32 0 8039373 F36/G02 F 198,800.00 ZZ 360 198,800.00 1 6.375 1,240.25 80 6.125 1,240.25 KIRKLAND WA 98034 1 09/09/02 00 0434620506 05 11/01/02 0 06505202 O 10/01/32 0 8039467 601/G02 F 117,000.00 ZZ 360 116,904.10 1 7.000 778.40 90 6.750 778.40 CARROLLTON TX 75007 1 08/23/02 10 0434599221 05 10/01/02 25 6180188 O 09/01/32 0 8039535 U19/G02 F 185,200.00 ZZ 360 185,200.00 1 6.375 1,155.41 95 6.125 1,155.41 DELTA CO 81416 2 09/09/02 01 0434540134 05 11/01/02 25 50804490 O 10/01/32 0 8039545 601/G02 F 112,700.00 ZZ 360 112,600.56 1 6.625 721.64 67 6.375 721.64 1 LAWRENCEVILLE GA 30043 5 08/27/02 00 0434596144 05 10/01/02 0 61765293 O 09/01/32 0 8039601 601/G02 F 54,400.00 ZZ 360 54,353.16 1 6.750 352.84 80 6.500 352.84 MANSFIELD OH 44903 1 08/28/02 00 0434592150 05 10/01/02 0 61777652 N 09/01/32 0 8039655 E11/G02 F 70,000.00 ZZ 360 70,000.00 1 6.875 459.85 47 6.625 459.85 MINNETONKA MN 55345 2 09/12/02 00 0434659546 05 11/01/02 0 0010001046744 N 10/01/32 0 8039697 601/G02 F 129,360.00 ZZ 360 129,243.05 1 6.500 817.65 80 6.250 817.65 LONGMONT CO 80501 1 08/21/02 00 0434610879 05 10/01/02 0 61810537 N 09/01/32 0 8039701 Q30/G02 F 233,050.00 ZZ 360 232,854.21 2 6.875 1,530.97 79 6.625 1,530.97 METHUEN MA 01844 5 08/30/02 00 0434617908 05 10/01/02 0 2101520 O 09/01/32 0 8039719 601/G02 F 95,000.00 ZZ 360 94,918.21 1 6.750 616.17 59 6.500 616.17 CLEARWATER FL 34764 2 08/21/02 00 0434591590 05 10/01/02 0 61719506 O 09/01/32 0 1 8039731 601/G02 F 262,500.00 ZZ 360 262,279.47 1 6.875 1,724.44 70 6.625 1,724.44 MILLSTONE TWP NJ 08510 1 08/26/02 00 0434577748 05 10/01/02 0 61762233 O 09/01/32 0 8039743 601/G02 F 96,300.00 ZZ 360 96,226.71 1 7.375 665.13 90 7.125 665.13 ACWORTH GA 30102 1 08/29/02 14 0434602348 05 10/01/02 25 61820692 N 09/01/32 0 8039747 601/G02 F 137,750.00 ZZ 240 137,493.49 1 7.250 1,088.75 95 7.000 1,088.75 ARKANSAS CITY KS 67005 2 08/08/02 14 0434595880 05 10/01/02 30 61719878 O 09/01/22 0 8039749 742/G02 F 120,450.00 ZZ 360 120,343.73 1 6.625 771.25 90 6.375 771.25 SPARKS NV 89436 1 08/30/02 11 0434618146 05 10/01/02 35 5617410 N 09/01/32 0 8039761 601/G02 F 126,000.00 ZZ 360 125,517.89 1 6.750 817.24 65 6.500 817.24 BALTIMORE MD 21234 5 07/10/02 00 0434587689 05 09/01/02 0 61673406 O 08/01/32 0 8039857 601/G02 F 300,700.00 ZZ 360 300,471.18 4 1 7.375 2,076.87 90 7.125 2,076.87 PORTLAND ME 04101 1 08/15/02 11 0434598868 05 10/01/02 25 61626107 O 09/01/32 0 8039893 601/G02 F 150,400.00 ZZ 360 150,267.30 1 6.625 963.03 80 6.375 963.03 CLEARWATER FL 33761 1 08/30/02 00 0434604765 05 10/01/02 0 61851382 O 09/01/32 0 8040191 G75/G75 F 97,650.00 ZZ 360 97,425.69 1 7.375 674.45 95 7.125 674.45 CHARLOTTE NC 28214 1 06/28/02 10 04710679 05 08/01/02 30 04710679 O 07/01/32 0 8040207 G75/G75 F 148,500.00 ZZ 360 148,150.34 1 7.250 1,013.04 90 7.000 1,013.04 MANASSAS VA 20110 1 06/21/02 10 04721191 03 08/01/02 25 04721191 O 07/01/32 0 8040209 G75/G75 F 276,000.00 ZZ 360 275,317.31 1 7.000 1,836.24 80 6.750 1,836.24 ANNANDALE VA 22003 1 06/20/02 00 04694471 05 08/01/02 0 04694471 O 07/01/32 0 8040215 G75/G75 F 52,650.00 ZZ 360 52,565.53 1 7.125 354.72 90 6.875 354.72 HYATTSVILLE MD 20782 1 07/02/02 01 04701391 08 09/01/02 25 1 04701391 N 08/01/32 0 8040217 G75/G75 F 228,000.00 ZZ 360 228,000.00 1 7.250 1,555.37 80 7.000 1,555.37 STAFFORD VA 22554 1 09/26/02 00 04523432 05 11/01/02 0 04523432 O 10/01/32 0 8040233 G75/G75 F 242,000.00 ZZ 360 241,561.26 1 6.500 1,529.61 80 6.250 1,529.61 CHESTERFIELD VA 23832 1 07/31/02 00 04756485 05 09/01/02 0 04756485 O 08/01/32 0 8040239 G75/G75 F 70,000.00 ZZ 360 69,936.72 1 6.500 442.45 68 6.250 442.45 LINCOLN PARK MI 48146 1 08/16/02 00 04777198 05 10/01/02 0 04777198 O 09/01/32 0 8040241 G75/G75 F 92,700.00 ZZ 360 92,624.01 2 7.000 616.74 90 6.750 616.74 CHERRY HILL NJ 08002 1 08/28/02 10 04792948 05 10/01/02 25 04792948 N 09/01/32 0 8040291 E22/G02 F 68,800.00 ZZ 360 68,800.00 1 7.000 457.73 80 6.750 457.73 MIAMI FL 33172 5 09/11/02 00 0414055236 08 11/01/02 0 0414055236 O 10/01/32 0 1 8040293 E22/G02 F 117,150.00 ZZ 360 117,150.00 1 6.375 730.86 90 6.125 730.86 BOISE ID 83713 1 09/11/02 04 0414135053 03 11/01/02 25 0414135053 O 10/01/32 0 8040311 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 6.625 1,306.23 80 6.375 1,306.23 AUSTIN TX 78737 5 09/10/02 00 0414530261 05 11/01/02 0 0414530261 O 10/01/32 0 8040319 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 7.375 386.78 75 7.125 386.78 SAVANNAH GA 31406 5 09/11/02 00 0414565283 05 11/01/02 0 0414565283 N 10/01/32 0 8040343 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.500 1,580.17 56 6.250 1,580.17 SANTA FE NM 87501 5 09/10/02 00 0414617043 05 11/01/02 0 0414617043 O 10/01/32 0 8040361 E22/G02 F 61,650.00 ZZ 360 61,650.00 1 6.875 405.00 90 6.625 405.00 BROKEN ARROW OK 74012 1 09/16/02 04 0414652982 05 11/01/02 25 0414652982 N 10/01/32 0 8040373 E22/G02 F 154,000.00 ZZ 360 154,000.00 1 6.875 1,011.67 92 6.625 1,011.67 1 GRAND JUNCTION CO 81504 5 09/10/02 01 0414662700 05 11/01/02 30 0414662700 O 10/01/32 0 8040375 E22/G02 F 118,500.00 ZZ 360 118,500.00 1 6.875 778.46 85 6.625 778.46 MABLETON GA 30126 2 09/10/02 10 0414664417 05 11/01/02 12 0414664417 O 10/01/32 0 8040399 E22/G02 F 292,500.00 ZZ 360 292,500.00 1 6.375 1,824.82 90 6.125 1,824.82 ELLICOTT CITY MD 21042 5 09/10/02 04 0414704148 05 11/01/02 25 0414704148 O 10/01/32 0 8040403 E22/G02 F 166,500.00 ZZ 360 166,500.00 1 7.000 1,107.73 90 6.750 1,107.73 DELRAY BEACH FL 33445 5 09/11/02 04 0414709576 03 11/01/02 25 0414709576 O 10/01/32 0 8040419 E22/G02 F 147,800.00 ZZ 360 147,800.00 1 6.750 958.63 57 6.500 958.63 STERLING HEIGHT MI 48314 2 09/11/02 00 0414727099 29 11/01/02 0 0414727099 O 10/01/32 0 8040443 E22/G02 F 109,600.00 ZZ 360 109,600.00 1 7.250 747.67 80 7.000 747.67 LAKEWOOD CO 80227 5 09/11/02 00 0414752493 09 11/01/02 0 0414752493 O 10/01/32 0 1 8040445 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.625 1,562.36 80 6.375 1,562.36 SAN DIEGO CA 92114 5 09/11/02 00 0414752774 05 11/01/02 0 0414752774 O 10/01/32 0 8040457 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.375 530.29 77 6.125 530.29 FLOWERY BRANCH GA 30542 5 09/11/02 00 0414764332 05 11/01/02 0 0414764332 O 10/01/32 0 8040465 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.875 446.71 83 6.625 446.71 MARIETTA OK 73448 2 09/10/02 01 0414769521 05 11/01/02 12 0414769521 O 10/01/32 0 8040491 E22/G02 F 85,500.00 ZZ 360 85,500.00 1 7.000 568.83 86 6.750 568.83 COLLINSVILLE OK 74021 5 09/10/02 01 0414792960 05 11/01/02 25 0414792960 O 10/01/32 0 8040495 E22/G02 F 215,400.00 ZZ 360 215,400.00 1 6.750 1,397.08 64 6.500 1,397.08 COLORADO SPRING CO 80908 2 09/10/02 00 0414798801 05 11/01/02 0 0414798801 O 10/01/32 0 8040499 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 1 6.625 633.91 74 6.375 633.91 PROVIDENCE RI 02908 5 09/11/02 00 0414800409 05 11/01/02 0 0414800409 O 10/01/32 0 8040505 E22/G02 F 180,000.00 ZZ 360 180,000.00 1 6.375 1,122.97 75 6.125 1,122.97 FORESTVILLE CA 95436 5 09/09/02 00 0414805150 05 11/01/02 0 0414805150 O 10/01/32 0 8040559 E22/G02 F 147,200.00 ZZ 360 147,200.00 1 6.875 967.00 80 6.625 967.00 CHESTERFIELD MI 48047 5 09/11/02 00 0414847947 05 11/01/02 0 0414847947 O 10/01/32 0 8040563 E22/G02 F 185,000.00 ZZ 360 185,000.00 1 7.375 1,277.75 90 7.125 1,277.75 TIMBERVILLE VA 22853 5 09/11/02 10 0414849182 05 11/01/02 25 0414849182 O 10/01/32 0 8040581 E22/G02 F 109,800.00 ZZ 360 109,800.00 1 6.500 694.01 90 6.250 694.01 SIGNAL MOUNTAIN TN 37377 1 09/16/02 10 0414859678 05 11/01/02 25 0414859678 N 10/01/32 0 8040601 E22/G02 F 103,000.00 ZZ 360 103,000.00 1 6.750 668.06 69 6.500 668.06 RICHARDSON TX 75081 5 09/11/02 00 0414868273 05 11/01/02 0 1 0414868273 O 10/01/32 0 8040623 E22/G02 F 135,900.00 ZZ 360 135,900.00 1 7.000 904.15 90 6.750 904.15 SOUTH BEND IN 46614 1 09/16/02 01 0414898262 05 11/01/02 30 0414898262 O 10/01/32 0 8040625 E22/G02 F 93,100.00 ZZ 360 93,100.00 1 6.750 603.84 95 6.500 603.84 WEST PALM BEACH FL 33407 1 09/16/02 01 0414898544 09 11/01/02 30 0414898544 O 10/01/32 0 8040637 E22/G02 F 147,375.00 ZZ 360 147,375.00 2 7.250 1,005.36 75 7.000 1,005.36 PUEBLO CO 81007 5 09/16/02 00 0414928242 05 11/01/02 0 0414928242 N 10/01/32 0 8040789 E82/G02 F 153,000.00 ZZ 360 153,000.00 1 6.625 979.68 73 6.375 979.68 MACUNGIE PA 18062 2 09/10/02 00 0400682662 05 11/01/02 0 2933219 O 10/01/32 0 8040833 E82/G02 F 103,000.00 ZZ 360 103,000.00 1 6.500 651.03 66 6.250 651.03 WARWICK PA 18974 2 09/11/02 00 0400672580 01 11/01/02 0 1660909 O 10/01/32 0 1 8040835 E82/G02 F 56,000.00 ZZ 360 56,000.00 1 6.875 367.88 26 6.625 367.88 SILVER SPRING MD 20906 2 09/11/02 00 0400683595 03 11/01/02 0 6988968 O 10/01/32 0 8040837 E82/G02 F 289,800.00 ZZ 360 289,800.00 1 6.875 1,903.78 77 6.625 1,903.78 CARLSBAD CA 92009 2 09/11/02 00 0400674404 03 11/01/02 0 1850678 O 10/01/32 0 8040905 E82/G02 F 135,800.00 ZZ 360 135,800.00 1 6.375 847.22 54 6.125 847.22 WHITTIER CA 90604 2 09/09/02 00 0400693883 05 11/01/02 0 5479028 O 10/01/32 0 8041131 E11/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.07 59 6.250 632.07 MPLS MN 55418 5 09/04/02 00 0434642443 05 11/01/02 0 0010001047540 O 10/01/32 0 8041175 G27/G02 F 163,500.00 ZZ 360 163,355.75 1 6.625 1,046.91 70 6.375 1,046.91 FREDERICK MD 21702 5 08/30/02 00 0434618039 05 10/01/02 0 23902067 O 09/01/32 0 8041455 822/G02 F 192,000.00 ZZ 360 191,668.45 3 6.750 1,245.31 80 6.500 1,245.31 1 TAUNTON MA 02780 1 07/22/02 00 0434620696 05 09/01/02 0 3446028676 N 08/01/32 0 8041493 822/G02 F 286,200.00 ZZ 360 285,953.59 4 6.750 1,856.29 90 6.500 1,856.29 PHILADELPHIA PA 19146 1 08/29/02 10 0434622213 07 10/01/02 25 3636072757 N 09/01/32 0 8041499 822/G02 F 263,500.00 ZZ 360 263,278.63 1 6.875 1,731.01 85 6.625 1,731.01 PROVIDENCE RI 02906 5 08/21/02 12 0434622650 01 10/01/02 12 4666001332 O 09/01/32 0 8041899 U05/G02 F 152,000.00 ZZ 360 152,000.00 1 7.250 1,036.91 80 7.000 1,036.91 FORT WORTH TX 76116 5 09/06/02 00 0434728002 05 11/01/02 0 3257291 O 10/01/32 0 8042015 N56/G02 F 71,000.00 ZZ 360 71,000.00 1 7.375 490.38 77 7.125 490.38 MONTROSE MI 48457 5 09/13/02 00 0434625463 05 11/01/02 0 7318360 O 10/01/32 0 8042099 601/G02 F 231,000.00 ZZ 360 230,819.80 1 7.250 1,575.83 76 7.000 1,575.83 GAINESVILLE VA 20155 2 08/12/02 00 0434586780 03 10/01/02 0 61666723 O 09/01/32 0 1 8042103 M37/G02 F 66,400.00 ZZ 360 66,400.00 1 6.750 430.67 80 6.500 430.67 FLAGSTAFF AZ 86004 1 09/10/02 00 0434617114 01 11/01/02 0 608904 N 10/01/32 0 8042143 A52/G02 F 127,800.00 ZZ 360 127,800.00 1 7.250 871.82 90 7.000 871.82 WALESKA GA 30183 2 09/10/02 11 0434601951 03 11/01/02 25 20867 O 10/01/32 0 8042179 M43/G02 F 92,000.00 ZZ 360 92,000.00 1 7.000 612.08 80 6.750 612.08 FAIRFAX VA 22031 1 09/16/02 00 0434621769 01 11/01/02 0 7585222A O 10/01/32 0 8042221 K15/G02 F 65,000.00 ZZ 360 65,000.00 1 7.375 448.94 80 7.125 448.94 NEWPORT RICHEY FL 34655 5 09/03/02 00 0434652186 05 11/01/02 0 00950300100 O 10/01/32 0 8042501 W93/G02 F 88,000.00 ZZ 360 87,926.07 1 6.875 578.10 80 6.625 578.10 EL MIRAGE AZ 85335 2 08/31/02 00 0434617643 03 10/01/02 0 35405637 O 09/01/32 0 8042515 737/G02 F 134,500.00 ZZ 360 134,500.00 1 1 6.875 883.57 80 6.625 883.57 BALLWIN MO 63011 1 09/10/02 00 0434606133 05 11/01/02 0 2081729 O 10/01/32 0 8042567 P44/G02 F 240,000.00 ZZ 360 240,000.00 1 6.500 1,516.96 80 6.250 1,516.96 BOURNE MA 02561 5 09/12/02 00 0434616918 05 11/01/02 0 0012032 O 10/01/32 0 8042617 601/G02 F 96,000.00 ZZ 360 95,921.30 1 7.000 638.70 80 6.750 638.70 DUNEDIN FL 34698 5 08/16/02 00 0434587069 05 10/01/02 0 61708244 N 09/01/32 0 8042633 601/G02 F 149,200.00 ZZ 360 149,071.54 1 6.750 967.71 80 6.500 967.71 WILLS POINT TX 75169 1 08/06/02 00 0434576682 05 10/01/02 0 61717286 O 09/01/32 0 8042661 W77/G02 F 146,000.00 ZZ 360 146,000.00 2 6.750 946.95 80 6.500 946.95 COLLEGE STATION TX 77845 1 09/11/02 00 0434618070 03 11/01/02 0 W0209026 N 10/01/32 0 8042787 601/G02 F 160,000.00 ZZ 360 159,851.81 1 6.375 998.19 69 6.125 998.19 SPRINGFIELD TN 37172 2 08/19/02 00 0434610499 05 10/01/02 0 1 61714788 O 09/01/32 0 8042811 601/G02 F 51,300.00 ZZ 360 51,258.97 1 7.125 345.62 90 6.875 345.62 CLAYMONT DE 19703 1 08/07/02 10 0434598926 05 10/01/02 25 61644670 N 09/01/32 0 8042815 601/G02 F 264,200.00 ZZ 360 263,972.53 1 6.750 1,713.60 77 6.500 1,713.60 BERTLETT IL 60103 2 08/12/02 00 0434591350 05 10/01/02 0 61687190 O 09/01/32 0 8042827 601/G02 F 144,750.00 ZZ 360 144,631.34 1 7.000 963.03 60 6.750 963.03 ENGLEWOOD FL 34223 2 07/31/02 00 0434610770 05 10/01/02 0 61718938 O 09/01/32 0 8042843 601/G02 F 119,920.00 ZZ 360 119,826.45 2 7.250 818.07 79 7.000 818.07 PALM COAST FL 32164 1 08/22/02 00 0434596821 05 10/01/02 0 61718961 N 09/01/32 0 8042931 B28/G02 F 105,000.00 ZZ 360 104,913.93 1 7.000 698.57 68 6.750 698.57 COLORADO SPRING CO 80907 5 08/26/02 00 0434608683 05 10/01/02 0 05400002 O 09/01/32 0 1 8043017 601/G02 F 119,920.00 ZZ 360 119,826.45 2 7.250 818.07 80 7.000 818.07 PALM COAST FL 32164 1 08/22/02 00 0434597332 05 10/01/02 0 61711693 N 09/01/32 0 8043063 601/G02 F 232,000.00 ZZ 360 231,795.30 3 6.625 1,485.53 71 6.375 1,485.53 MADEIRA BEACH FL 33708 5 08/23/02 00 0434593638 05 10/01/02 0 61693602 O 09/01/32 0 8043093 601/G02 F 240,000.00 ZZ 360 239,798.37 2 6.875 1,576.63 68 6.625 1,576.63 REVERE MA 02151 5 08/08/02 00 0434593596 05 10/01/02 0 61694659 O 09/01/32 0 8043133 601/G02 F 212,000.00 ZZ 360 211,826.22 1 7.000 1,410.45 36 6.750 1,410.45 LONGMONT CO 80504 2 08/09/02 00 0434596268 03 10/01/02 0 61714465 N 09/01/32 0 8043147 X82/G02 F 145,500.00 ZZ 360 145,371.63 1 6.625 931.65 72 6.375 931.65 CHESAPEAKE BEAC MD 20732 2 08/22/02 00 0434667861 05 10/01/02 0 834251 O 09/01/32 0 8043173 K31/G02 F 112,200.00 ZZ 360 112,020.02 1 7.125 755.91 85 6.875 755.91 1 DULUTH GA 30097 1 07/22/02 10 0434614624 05 09/01/02 12 2121720807 O 08/01/32 0 8043197 X64/G02 F 225,000.00 ZZ 360 224,791.60 1 6.375 1,403.71 53 6.125 1,403.71 SHELBY TOWNSHIP MI 48316 5 08/23/02 00 0434651543 05 10/01/02 0 0001768973 O 09/01/32 0 8043213 601/G02 F 296,000.00 ZZ 360 295,751.32 2 6.875 1,944.51 80 6.625 1,944.51 HUNTINGTON NY 11743 1 08/26/02 00 0434603106 05 10/01/02 0 61572491 O 09/01/32 0 8043421 601/G02 F 170,000.00 ZZ 360 169,860.65 1 7.000 1,131.02 70 6.750 1,131.02 ST SIMONS ISLAN GA 31522 5 08/22/02 00 0434591913 01 10/01/02 0 61599841 N 09/01/32 0 8044015 998/998 F 232,000.00 ZZ 360 231,636.94 1 7.250 1,582.65 80 7.000 1,582.65 MIAMI FL 33156 5 07/22/02 00 4969897 05 09/01/02 0 4969897 O 08/01/32 0 8044017 998/998 F 396,000.00 ZZ 360 395,691.08 4 7.250 2,701.42 90 7.000 2,701.42 BROOKLYN NY 11237 1 08/08/02 10 5100252 05 10/01/02 25 5100252 O 09/01/32 0 1 8044019 998/998 F 378,000.00 ZZ 360 377,712.36 3 7.375 2,610.76 90 7.125 2,610.76 BRONX NY 10463 1 08/06/02 10 5128724 05 10/01/02 25 5128724 O 09/01/32 0 8044171 W93/G02 F 269,600.00 ZZ 360 269,373.50 1 6.875 1,771.08 80 6.625 1,771.08 OXNARD CA 93030 2 08/22/02 00 0434630596 05 10/01/02 0 25365390 O 09/01/32 0 8044181 W93/G02 F 250,000.00 ZZ 360 249,789.97 2 6.875 1,642.32 77 6.625 1,642.32 SAN DIEGO CA 92105 5 08/26/02 00 0434622148 05 10/01/02 0 28396341 O 09/01/32 0 8044189 W93/G02 F 184,000.00 ZZ 360 183,841.57 1 6.750 1,193.43 80 6.500 1,193.43 SAN DIEGO CA 92126 1 08/26/02 00 0434620738 01 10/01/02 0 28396690 N 09/01/32 0 8044195 W93/G02 F 120,000.00 ZZ 360 119,899.18 1 6.875 788.32 55 6.625 788.32 PALM SPRINGS CA 92262 1 08/26/02 00 0434624219 05 10/01/02 0 28396959 O 09/01/32 0 8044223 W93/G02 F 131,600.00 ZZ 360 131,497.33 1 1 7.250 897.75 80 7.000 897.75 JACKSONVILLE OR 97530 1 08/27/02 00 0434619987 05 10/01/02 0 42397113 O 09/01/32 0 8044227 W93/G02 F 132,000.00 ZZ 360 131,886.35 1 6.750 856.15 80 6.500 856.15 STOCKTON CA 95203 1 08/22/02 00 0434648416 05 10/01/02 0 46378211 O 09/01/32 0 8044251 W93/G02 F 147,200.00 ZZ 360 147,082.28 1 7.125 991.72 80 6.875 991.72 DENVER CO 80220 2 08/23/02 00 0434630620 09 10/01/02 0 77390859 O 09/01/32 0 8044255 W93/G02 F 257,800.00 ZZ 360 257,578.04 1 6.750 1,672.09 49 6.500 1,672.09 EVERGREEN CO 80439 5 08/26/02 00 0434631008 03 10/01/02 0 77390974 O 09/01/32 0 8044257 W93/G02 F 103,600.00 ZZ 360 103,512.96 1 6.875 680.58 61 6.625 680.58 DENVER CO 80219 5 08/29/02 00 0434621108 05 10/01/02 0 77390975 N 09/01/32 0 8044259 W93/G02 F 140,000.00 ZZ 360 140,000.00 1 7.125 943.21 80 6.875 943.21 DENVER CO 80211 5 09/06/02 00 0434632709 05 11/01/02 0 1 77391248 N 10/01/32 0 8044265 W93/G02 F 144,950.00 ZZ 360 144,831.18 1 7.000 964.36 65 6.750 964.36 LAKEWOOD CO 80227 5 08/26/02 00 0434617619 01 10/01/02 0 78391391 O 09/01/32 0 8044409 W93/G02 F 188,000.00 ZZ 360 187,838.13 1 6.750 1,219.37 80 6.500 1,219.37 SAN DIEGO CA 92126 1 08/26/02 00 0434620852 01 10/01/02 0 28396609 N 09/01/32 0 8044619 E82/G02 F 138,300.00 ZZ 360 138,300.00 1 7.250 943.45 66 7.000 943.45 ORLAND CA 95963 2 09/11/02 00 0400672689 05 11/01/02 0 6879438 N 10/01/32 0 8044703 U19/G02 F 214,500.00 ZZ 360 214,500.00 1 7.000 1,427.07 75 6.750 1,427.07 DENVER CO 80209 1 09/13/02 00 0434559555 05 11/01/02 0 80804812 O 10/01/32 0 8044739 U19/G02 F 130,000.00 ZZ 360 130,000.00 1 6.500 821.69 75 6.250 821.69 DENVER CO 80220 5 09/11/02 00 0434558995 05 11/01/02 0 50804807 O 10/01/32 0 1 8044775 E22/G02 F 88,000.00 ZZ 360 88,000.00 1 6.875 578.10 89 6.625 578.10 HENDERSONVILLE NC 28739 1 09/17/02 01 0414829820 05 11/01/02 30 0414829820 O 10/01/32 0 8044777 E22/G02 F 51,000.00 ZZ 360 51,000.00 1 7.250 347.91 75 7.000 347.91 KANNAPOLIS NC 28083 5 09/17/02 00 0414829598 05 11/01/02 0 0414829598 N 10/01/32 0 8044783 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.500 790.09 36 6.250 790.09 SANTA ROSA CA 95409 1 09/06/02 00 0414835850 03 11/01/02 0 0414835850 N 10/01/32 0 8044811 E22/G02 F 252,000.00 ZZ 360 252,000.00 1 6.375 1,572.15 80 6.125 1,572.15 GRASS VALLEY CA 95945 1 09/11/02 00 0414864454 05 11/01/02 0 0414864454 O 10/01/32 0 8044829 E22/G02 F 92,800.00 ZZ 360 92,800.00 1 6.625 594.21 80 6.375 594.21 ALLEN TX 75002 1 09/16/02 00 0414883751 05 11/01/02 0 0414883751 N 10/01/32 0 8044835 E22/G02 F 151,920.00 ZZ 360 151,920.00 1 6.750 985.35 80 6.500 985.35 1 BLACK MOUNTAIN NC 28711 1 09/17/02 00 0414895763 05 11/01/02 0 0414895763 O 10/01/32 0 8044837 E22/G02 F 39,600.00 ZZ 360 39,600.00 1 7.250 270.14 90 7.000 270.14 FORT LAUDERDALE FL 33311 1 09/17/02 01 0414897967 01 11/01/02 25 0414897967 N 10/01/32 0 8044863 E22/G02 F 58,400.00 ZZ 360 58,400.00 1 7.375 403.35 80 7.125 403.35 PUEBLO CO 81004 2 09/17/02 00 0414938043 05 11/01/02 0 0414938043 N 10/01/32 0 8044885 E22/G02 F 216,000.00 ZZ 240 216,000.00 1 6.500 1,610.44 80 6.250 1,610.44 FAIRLAWN NJ 07410 5 09/12/02 00 0414540393 05 11/01/02 0 0414540393 O 10/01/22 0 8044887 E22/G02 F 118,600.00 ZZ 360 118,600.00 1 6.625 759.41 75 6.375 759.41 SWEETHOME OR 97386 2 08/29/02 00 0414546150 27 11/01/02 0 0414546150 O 10/01/32 0 8044917 E22/G02 F 59,250.00 ZZ 360 59,250.00 2 7.375 409.23 75 7.125 409.23 WILMINGTON NC 28412 2 09/17/02 00 0414668079 05 11/01/02 0 0414668079 N 10/01/32 0 1 8044945 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 6.750 739.40 35 6.500 739.40 BONITA CA 91902 2 09/11/02 00 0414717231 05 11/01/02 0 0414717231 N 10/01/32 0 8044957 E22/G02 F 243,049.00 ZZ 360 243,049.00 1 6.625 1,556.27 95 6.375 1,556.27 GARDNERVILLE NV 89410 1 09/13/02 01 0414737155 05 11/01/02 35 0414737155 O 10/01/32 0 8044965 E22/G02 F 152,100.00 ZZ 360 152,100.00 1 6.750 986.52 73 6.500 986.52 AUSTIN TX 78731 5 09/12/02 00 0414748608 05 11/01/02 0 0414748608 O 10/01/32 0 8044971 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.250 682.18 76 7.000 682.18 MIDVALE UT 84047 5 09/11/02 00 0414752485 01 11/01/02 0 0414752485 N 10/01/32 0 8044987 E22/G02 F 56,000.00 ZZ 360 56,000.00 1 6.875 367.88 61 6.625 367.88 LOUISVILLE KY 40213 5 09/12/02 00 0414771717 05 11/01/02 0 0414771717 O 10/01/32 0 8044993 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 1 6.500 935.46 100 6.250 935.46 OAK HARBOR WA 98277 2 09/06/02 04 0414780262 03 11/01/02 35 0414780262 O 10/01/32 0 8045015 E22/G02 F 101,200.00 ZZ 360 101,200.00 2 6.625 647.99 80 6.375 647.99 LACEY WA 98503 1 09/09/02 00 0414802611 05 11/01/02 0 0414802611 O 10/01/32 0 8045017 E22/G02 F 208,800.00 ZZ 360 208,800.00 1 6.875 1,371.67 90 6.625 1,371.67 WEST PALM BEACH FL 33412 1 09/17/02 04 0414804187 03 11/01/02 30 0414804187 O 10/01/32 0 8045299 E57/G02 F 102,000.00 ZZ 360 102,000.00 1 6.625 653.12 63 6.375 653.12 COVINA AREA CA 91722 1 09/06/02 00 0434636296 01 11/01/02 0 06009568 O 10/01/32 0 8045745 U05/G02 F 127,300.00 ZZ 360 127,300.00 2 6.625 815.12 67 6.375 815.12 PORTLAND OR 97221 5 09/09/02 00 0434614426 05 11/01/02 0 3257093 O 10/01/32 0 8045773 U05/G02 F 334,500.00 ZZ 360 334,263.91 4 7.750 2,396.40 75 7.500 2,396.40 BELLFLOWER CA 90706 1 08/23/02 00 0434637286 05 10/01/02 0 1 3252958 N 09/01/32 0 8045811 950/G02 F 143,910.00 ZZ 360 143,786.09 1 6.750 933.40 90 6.500 933.40 SEATTLE WA 98168 1 09/04/02 14 0434622759 05 10/01/02 25 EW208401 O 09/01/32 0 8045857 W93/G02 F 192,200.00 ZZ 360 192,200.00 1 6.875 1,262.62 80 6.625 1,262.62 BAKERSFIELD CA 93312 1 09/05/02 00 0434612073 05 11/01/02 0 67402371 O 10/01/32 0 8045993 N47/G02 F 200,000.00 ZZ 360 200,000.00 1 6.750 1,297.20 80 6.500 1,297.20 MARTINEZ CA 94553 1 09/12/02 00 0434618567 05 11/01/02 0 20221769 N 10/01/32 0 8046013 N74/G02 F 137,750.00 ZZ 360 137,750.00 1 6.625 882.03 95 6.375 882.03 JAMESTOWN NC 27282 2 09/10/02 10 0434624433 05 11/01/02 30 0030713010 O 10/01/32 0 8046035 N46/G02 F 101,500.00 ZZ 360 101,500.00 1 6.625 649.92 80 6.375 649.92 RALEIGH NC 27605 1 09/17/02 00 0434632030 01 11/01/02 0 90743301 N 10/01/32 0 1 8046071 Q14/G02 F 54,000.00 ZZ 360 54,000.00 1 6.875 354.74 80 6.625 354.74 KANSAS CITY MO 64117 1 09/16/02 00 0434610325 05 11/01/02 0 0209094 O 10/01/32 0 8046093 Q87/G02 F 86,800.00 ZZ 360 86,728.85 1 7.000 577.48 80 6.750 577.48 KERRVILLE TX 78028 5 08/30/02 00 0434633251 05 10/05/02 0 BOJA03 O 09/05/32 0 8046097 X64/G02 F 230,000.00 ZZ 360 230,000.00 1 6.500 1,453.76 46 6.250 1,453.76 PLYMOUTH MI 48170 5 09/06/02 00 0434613717 05 11/01/02 0 9348141 O 10/01/32 0 8046109 E47/G02 F 186,000.00 ZZ 360 186,000.00 1 7.000 1,237.46 80 6.750 1,237.46 NAPLES FL 34119 1 09/06/02 00 0434619011 07 11/01/02 0 7342010085 O 10/01/32 0 8046173 K15/G02 F 235,000.00 ZZ 360 235,000.00 2 6.750 1,524.21 79 6.500 1,524.21 BROOKLYN NY 11238 5 09/10/02 00 0434619326 05 11/01/02 0 011105300240 O 10/01/32 0 8046177 883/G02 F 98,000.00 ZZ 360 98,000.00 1 6.625 627.50 45 6.375 627.50 1 JACKSONVILLE FL 32226 5 09/06/02 00 0434641650 05 11/01/02 0 05018450 O 10/01/32 0 8046303 E76/G02 F 209,000.00 ZZ 360 209,000.00 1 6.375 1,303.89 95 6.125 1,303.89 SARASOTA FL 34239 1 09/16/02 04 0434616884 03 11/01/02 30 10017019 O 10/01/32 0 8046485 E47/G02 F 235,500.00 ZZ 360 235,500.00 3 7.125 1,586.61 80 6.875 1,586.61 CHICAGO IL 60639 2 09/03/02 00 0434625216 05 11/01/02 0 7360513965 O 10/01/32 0 8046649 K79/G02 F 201,750.00 ZZ 360 201,750.00 1 6.500 1,275.20 77 6.250 1,275.20 HUDSON MA 01749 1 09/16/02 00 0434620480 05 11/01/02 0 15224 O 10/01/32 0 8046739 G34/G02 F 142,110.00 ZZ 360 142,110.00 1 6.500 898.23 90 6.250 898.23 FORT WORTH TX 76137 1 09/17/02 04 0434620407 03 11/01/02 25 85206905 O 10/01/32 0 8047389 H58/G02 F 245,000.00 ZZ 360 245,000.00 1 6.500 1,548.57 45 6.250 1,548.57 SAN RAMON CA 94583 5 09/03/02 00 0434614467 05 11/01/02 0 106839 O 10/01/32 0 1 8047459 T44/G02 F 116,000.00 ZZ 360 116,000.00 1 6.875 762.04 65 6.625 762.04 HENDERSON NV 89014 2 09/06/02 00 0434616959 03 11/01/02 0 1051399 N 10/01/32 0 8047865 E82/G02 F 111,800.00 T 360 111,800.00 1 6.750 725.13 78 6.500 725.13 SONORA CA 95370 2 09/12/02 00 0400685806 05 11/01/02 0 3890461 O 10/01/32 0 8047867 E82/G02 F 70,500.00 ZZ 360 70,500.00 1 6.750 457.26 52 6.500 457.26 EUGENE OR 97404 2 09/17/02 00 0400682316 05 11/01/02 0 1741052 N 10/01/32 0 8047905 E82/G02 F 99,500.00 ZZ 360 99,500.00 1 6.625 637.11 62 6.375 637.11 ERDENHEIM PA 19038 2 09/13/02 00 0400691028 05 11/01/02 0 1849967 O 10/01/32 0 8047919 E82/G02 F 109,300.00 ZZ 360 109,300.00 1 6.500 690.85 34 6.250 690.85 SALISBURY CT 06068 2 09/16/02 00 0400675161 05 11/01/02 0 1661538 O 10/01/32 0 8048085 E22/G02 F 161,500.00 ZZ 360 161,500.00 1 1 7.375 1,115.44 95 7.125 1,115.44 GRAND JUNCTION CO 81504 5 09/13/02 01 0414730374 03 11/01/02 30 0414730374 O 10/01/32 0 8048087 E22/G02 F 83,800.00 ZZ 360 83,800.00 1 6.875 550.51 80 6.625 550.51 WAKE FOREST NC 27587 2 09/13/02 00 0414730523 03 11/01/02 0 0414730523 O 10/01/32 0 8048103 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 6.875 591.24 84 6.625 591.24 MIDDLETON ID 83644 2 09/12/02 01 0414750455 03 11/01/02 6 0414750455 O 10/01/32 0 8048119 E22/G02 F 120,000.00 ZZ 360 120,000.00 1 6.875 788.31 80 6.625 788.31 HOUSTON TX 77077 5 09/16/02 00 0414769109 03 11/01/02 0 0414769109 N 10/01/32 0 8048123 E22/G02 F 95,200.00 ZZ 360 95,200.00 1 7.000 633.37 85 6.750 633.37 EDEN VT 05652 1 09/18/02 04 0414775585 05 11/01/02 12 0414775585 O 10/01/32 0 8048127 E22/G02 F 120,000.00 ZZ 240 120,000.00 1 6.625 903.54 60 6.375 903.54 FORT COLLINS CO 80526 5 09/13/02 00 0414790717 05 11/01/02 0 1 0414790717 O 10/01/22 0 8048153 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 7.000 1,437.05 90 6.750 1,437.05 DES PLAINES IL 60018 1 09/18/02 04 0414820837 05 11/01/02 30 0414820837 O 10/01/32 0 8048191 E22/G02 F 152,500.00 ZZ 360 152,500.00 1 6.500 963.90 77 6.250 963.90 CASTLE ROCK CO 80104 5 09/13/02 00 0414849141 05 11/01/02 0 0414849141 O 10/01/32 0 8048197 E22/G02 F 143,200.00 ZZ 360 143,200.00 1 6.750 928.79 80 6.500 928.79 BAYTOWN TX 77520 5 09/11/02 00 0414859181 03 11/01/02 0 0414859181 O 10/01/32 0 8048203 E22/G02 F 142,600.00 ZZ 360 142,600.00 1 6.375 889.64 74 6.125 889.64 LOXAHATCHEE FL 33470 5 09/13/02 00 0414866764 05 11/01/02 0 0414866764 O 10/01/32 0 8048209 E22/G02 F 234,500.00 T 360 234,500.00 1 6.875 1,540.50 70 6.625 1,540.50 SCOTTS VALLEY CA 95066 1 09/09/02 00 0414872077 05 11/01/02 0 0414872077 O 10/01/32 0 1 8048211 E22/G02 F 102,400.00 ZZ 360 102,400.00 1 6.875 672.70 80 6.625 672.70 TRAVERSE CITY MI 49684 5 09/13/02 00 0414877167 05 11/01/02 0 0414877167 O 10/01/32 0 8048217 E22/G02 F 104,000.00 ZZ 360 104,000.00 1 6.875 683.21 80 6.625 683.21 FRUITA CO 81521 5 09/13/02 00 0414881110 05 11/01/02 0 0414881110 O 10/01/32 0 8048235 E22/G02 F 189,600.00 ZZ 360 189,600.00 1 6.750 1,229.74 80 6.500 1,229.74 ROANOKE VA 24015 5 09/13/02 00 0414898288 05 11/01/02 0 0414898288 O 10/01/32 0 8048255 E22/G02 F 69,600.00 ZZ 360 69,600.00 1 6.625 445.66 80 6.375 445.66 FORT MILL SC 29715 1 09/18/02 00 0414931360 01 11/01/02 0 0414931360 O 10/01/32 0 8048263 E22/G02 F 182,000.00 ZZ 360 182,000.00 1 6.375 1,135.44 80 6.125 1,135.44 WELLINGTON FL 33414 2 09/13/02 00 0414936203 05 11/01/02 0 0414936203 O 10/01/32 0 8048267 E22/G02 F 65,000.00 ZZ 360 65,000.00 1 6.375 405.52 51 6.125 405.52 1 PERRYVILLE MO 63775 1 09/18/02 00 0414947648 05 11/01/02 0 0414947648 O 10/01/32 0 8048293 E22/G02 F 62,000.00 ZZ 360 62,000.00 1 7.500 433.51 69 7.250 433.51 MARGATE FL 33063 1 09/18/02 00 0414959551 01 11/01/02 0 0414959551 O 10/01/32 0 8048451 X67/G02 F 112,500.00 ZZ 360 112,500.00 2 7.375 777.01 90 7.125 777.01 DURHAM NC 27707 1 09/06/02 26 0434631933 05 11/01/02 25 00210053 N 10/01/32 0 8048471 H58/G02 F 118,200.00 ZZ 360 118,103.11 1 7.000 786.39 52 6.500 786.39 GRANTS PASS OR 97527 2 08/12/02 00 0434591962 05 10/01/02 0 101924 O 09/01/32 0 8048481 H58/G02 F 110,000.00 ZZ 360 109,909.84 1 7.000 731.83 53 6.500 731.83 LAKE STEVENS WA 98258 5 08/12/02 00 0434592044 05 10/01/02 0 103147 O 09/01/32 0 8048489 H58/G02 F 200,000.00 T 360 199,827.80 1 6.750 1,297.20 80 6.250 1,297.20 NANCOTTA WA 98637 1 08/14/02 00 0434592085 05 10/01/02 0 104298 O 09/01/32 0 1 8048531 H58/G02 F 221,600.00 ZZ 360 221,404.49 1 6.625 1,418.93 80 6.125 1,418.93 SPARKS NV 89436 1 08/12/02 00 0434592234 03 10/01/02 0 105454 O 09/01/32 0 8048537 H58/G02 F 154,000.00 ZZ 360 153,882.82 1 7.375 1,063.64 71 6.875 1,063.64 ROSEVILLE CA 95661 5 08/16/02 00 0434592275 05 10/01/02 0 105634 N 09/01/32 0 8048539 H58/G02 F 114,400.00 ZZ 360 114,312.95 1 7.375 790.13 80 6.875 790.13 BEND OR 97701 1 08/13/02 00 0434592283 05 10/01/02 0 105772 N 09/01/32 0 8048547 H58/G02 F 142,300.00 ZZ 360 142,174.45 1 6.625 911.16 80 6.125 911.16 HILLSBORO OR 97124 1 08/14/02 00 0434592325 03 10/01/02 0 105907 O 09/01/32 0 8048561 H58/G02 F 222,800.00 ZZ 360 222,634.65 1 7.500 1,557.85 80 7.000 1,557.85 PORTLAND OR 97221 1 08/14/02 00 0434592432 05 10/01/02 0 106347 O 09/01/32 0 8048565 H58/G02 F 270,000.00 ZZ 360 269,767.53 1 1 6.750 1,751.21 80 6.250 1,751.21 VACAVILLE CA 95687 1 08/12/02 00 0434592465 05 10/01/02 0 106464 O 09/01/32 0 8048573 H58/G02 F 300,000.00 ZZ 360 299,728.80 1 6.500 1,896.20 80 6.000 1,896.20 ELK GROVE CA 95624 2 08/09/02 00 0434592515 05 10/01/02 0 106559 O 09/01/32 0 8048593 H58/G02 F 165,000.00 ZZ 360 164,854.43 1 6.625 1,056.51 80 6.125 1,056.51 OREGON CITY OR 97045 1 08/14/02 00 0434592689 05 10/01/02 0 107570 O 09/01/32 0 8048595 H58/G02 F 147,600.00 T 360 147,469.77 1 6.625 945.10 80 6.125 945.10 BRINNON WA 98320 1 08/14/02 00 0434592721 05 10/01/02 0 107581 O 09/01/32 0 8048647 950/G02 F 77,000.00 ZZ 360 76,932.06 1 6.625 493.04 57 6.375 493.04 KING CITY OR 97224 1 08/26/02 00 0434635488 09 10/01/02 0 Y6206004 O 09/01/32 0 8049179 W02/G02 F 72,000.00 ZZ 360 71,936.47 1 6.625 461.03 90 6.375 461.03 CLEARWATER FL 33763 5 08/27/02 12 0434643979 05 10/01/02 25 1 1001423027 O 09/01/32 0 8049271 P44/G02 F 203,400.00 ZZ 360 203,400.00 1 6.875 1,336.19 90 6.625 1,336.19 NAPLES FL 34110 1 09/16/02 10 0434626560 05 11/01/02 25 0012110 O 10/01/32 0 8049623 N47/G02 F 300,000.00 ZZ 360 300,000.00 1 6.500 1,896.20 65 6.250 1,896.20 FAIRFAX CA 94930 2 09/01/02 00 0434622486 05 11/01/02 0 20221389 O 10/01/32 0 8049639 N47/G02 F 135,000.00 ZZ 360 135,000.00 1 6.750 875.61 41 6.500 875.61 MARTINEZ CA 94553 5 09/12/02 00 0434618641 05 11/01/02 0 20221444 O 10/01/32 0 8049645 E11/G02 F 300,000.00 ZZ 360 300,000.00 1 7.000 1,995.91 78 6.750 1,995.91 ORONO MN 55391 1 09/12/02 00 0434615720 05 11/01/02 0 0008001047390 N 10/01/32 0 8049671 W02/G02 F 63,000.00 ZZ 360 62,948.35 2 7.000 419.15 90 6.750 419.15 ST PETERSBURG FL 33713 5 08/26/02 12 0434642724 05 10/01/02 30 1001446194 O 09/01/32 0 1 8049707 E65/G02 F 52,110.00 ZZ 360 52,110.00 2 7.500 364.36 90 7.250 364.36 FLINT MI 48506 1 09/18/02 11 0434649083 05 11/01/02 25 250101 N 10/01/32 0 8049977 W93/G02 F 89,600.00 ZZ 360 89,600.00 1 6.750 581.15 80 6.500 581.15 SUN CITY AZ 85373 1 09/16/02 00 0434620688 03 11/01/02 0 1 O 10/01/32 0 8050055 967/G02 F 239,000.00 ZZ 360 239,000.00 1 6.750 1,550.15 68 6.500 1,550.15 GILBERT AZ 85233 2 09/09/02 00 0434633582 05 11/01/02 0 5641204 O 10/01/32 0 8050067 W93/G02 F 106,150.00 ZZ 360 106,150.00 1 6.625 679.69 80 6.375 679.69 SALEM OR 97305 1 09/11/02 00 0434626149 05 11/01/02 0 37384265 O 10/01/32 0 8050135 W53/G02 F 187,200.00 ZZ 360 186,884.54 1 6.875 1,229.78 90 6.625 1,229.78 NORTH BERGEN NJ 07047 1 07/10/02 01 0434615787 05 09/01/02 30 1101000661 O 08/01/32 0 8050221 950/G02 F 164,000.00 ZZ 360 163,851.74 1 6.500 1,036.59 80 6.250 1,036.59 1 SEATTLE WA 98105 1 08/30/02 00 0434636205 05 10/01/02 0 EW208182 O 09/01/32 0 8050253 E65/G02 F 61,440.00 ZZ 360 61,384.46 1 6.500 388.34 80 6.250 388.34 EASTPOINTE MI 48021 1 09/04/02 00 0434621124 05 10/01/02 0 251905 N 09/01/32 0 8050263 950/G02 F 111,600.00 ZZ 360 111,512.94 1 7.250 761.31 80 7.000 761.31 KIRKLAND WA 98033 1 08/26/02 00 0434636437 01 10/01/02 0 E1208068 N 09/01/32 0 8050387 696/G02 F 295,000.00 ZZ 360 295,000.00 1 6.500 1,864.60 80 6.250 1,864.60 GERMANTOWN MD 20876 1 09/12/02 00 0434674552 03 11/01/02 0 31202122 O 10/01/32 0 8050773 A80/G02 F 241,600.00 ZZ 360 241,600.00 4 6.375 1,507.27 80 6.125 1,507.27 MIAMI FL 33137 1 09/18/02 00 0434624144 05 11/01/02 0 020831090 N 10/01/32 0 8050851 E45/G02 F 113,600.00 ZZ 360 113,515.69 1 7.500 794.31 80 7.250 794.31 FORT LAUDERDALE FL 33312 1 09/04/02 00 0434638870 05 10/01/02 0 260439 O 09/01/32 0 1 8050865 E45/G02 F 194,200.00 ZZ 360 194,036.84 1 6.875 1,275.76 80 6.625 1,275.76 VIRGINIA BEACH VA 23456 1 08/28/02 00 0434643862 03 10/01/02 0 268260 O 09/01/32 0 8050867 Q14/G02 F 101,500.00 ZZ 360 101,500.00 1 6.875 666.78 89 6.625 666.78 BETTENDORF IA 52722 5 09/13/02 01 0434614830 05 11/01/02 25 02-08962 O 10/01/32 0 8050927 420/G02 F 145,000.00 ZZ 360 145,000.00 1 6.500 916.50 31 6.250 916.50 CLOVERDALE CA 95425 1 09/05/02 00 0434614848 05 11/01/02 0 72003141 O 10/01/32 0 8050937 E45/G02 F 148,000.00 ZZ 360 147,890.16 1 7.500 1,034.84 80 7.250 1,034.84 LOGANVILLE GA 30052 2 08/26/02 00 0434639043 05 10/01/02 0 211956 O 09/01/32 0 8050941 E45/G02 F 105,000.00 ZZ 360 104,905.08 1 6.500 663.67 68 6.250 663.67 DANIA FL 33004 1 09/04/02 00 0434643987 01 10/01/02 0 276843 O 09/01/32 0 8051021 E22/G02 F 229,900.00 ZZ 360 229,900.00 1 1 7.125 1,548.88 95 6.875 1,548.88 HOLLAND TOWNSHI NJ 08848 1 09/19/02 01 0414388124 05 11/01/02 30 0414388124 O 10/01/32 0 8051033 E22/G02 F 200,000.00 ZZ 360 200,000.00 1 6.500 1,264.14 75 6.250 1,264.14 AUBURN CA 95603 1 09/17/02 00 0414525493 03 11/01/02 0 0414525493 O 10/01/32 0 8051045 E22/G02 F 189,800.00 ZZ 360 189,800.00 1 7.500 1,327.11 88 7.250 1,327.11 OROVILLE CA 95966 5 09/06/02 01 0414622928 05 11/01/02 25 0414622928 O 10/01/32 0 8051057 E22/G02 F 136,400.00 ZZ 360 136,400.00 4 7.500 953.73 80 7.250 953.73 BOUTTE LA 70039 1 09/19/02 00 0414666305 05 11/01/02 0 0414666305 N 10/01/32 0 8051061 E22/G02 F 136,400.00 ZZ 360 136,400.00 4 7.250 930.49 80 7.000 930.49 BOUTTE LA 70039 1 09/19/02 00 0414667808 05 11/01/02 0 0414667808 N 10/01/32 0 8051071 E22/G02 F 118,000.00 ZZ 360 118,000.00 1 6.750 765.35 84 6.500 765.35 BEDFORD KY 40006 2 09/14/02 01 0414676189 05 11/01/02 12 1 0414676189 O 10/01/32 0 8051279 E22/G02 F 124,400.00 T 360 124,400.00 1 6.625 796.55 80 6.375 796.55 MOAB UT 84532 1 09/04/02 00 0414824854 09 11/01/02 0 0414824854 O 10/01/32 0 8051299 E22/G02 F 129,000.00 ZZ 360 129,000.00 1 6.625 826.00 78 6.375 826.00 COLORADO SPRING CO 80918 2 09/19/02 00 0414844993 03 11/01/02 0 0414844993 N 10/01/32 0 8051343 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.250 613.96 73 7.000 613.96 CARROLLTON TX 75006 1 09/19/02 00 0414869867 05 11/01/02 0 0414869867 O 10/01/32 0 8051359 E22/G02 F 110,400.00 ZZ 360 110,400.00 1 6.625 706.90 80 6.375 706.90 SPARKS NV 89431 1 09/14/02 00 0414882456 05 11/01/02 0 0414882456 O 10/01/32 0 8051383 E22/G02 F 37,500.00 ZZ 360 37,500.00 1 7.375 259.00 28 7.125 259.00 KEAAU HI 96742 1 09/16/02 00 0414920686 05 11/01/02 0 0414920686 O 10/01/32 0 1 8051401 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.750 972.90 75 6.500 972.90 DRIGGS ID 83422 1 09/13/02 00 0414965988 09 11/01/02 0 0414965988 N 10/01/32 0 8051405 E22/G02 F 126,400.00 ZZ 360 126,400.00 1 7.250 862.27 80 7.000 862.27 GRASS VALLEY CA 95945 1 09/14/02 00 0414969378 05 11/01/02 0 0414969378 N 10/01/32 0 8051409 E22/G02 F 221,850.00 ZZ 360 221,850.00 1 6.375 1,384.06 90 6.125 1,384.06 COTATI CA 94931 1 09/12/02 01 0414978650 03 11/01/02 25 0414978650 N 10/01/32 0 8051455 E22/G02 F 290,000.00 ZZ 360 290,000.00 1 6.500 1,833.00 56 6.250 1,833.00 LONG BRANCH NJ 07740 5 09/13/02 00 0414593566 08 11/01/02 0 0414593566 O 10/01/32 0 8051463 E22/G02 F 225,000.00 T 360 225,000.00 1 6.750 1,459.35 78 6.500 1,459.35 HENRICO NC 27842 2 09/19/02 00 0414701854 05 11/01/02 0 0414701854 O 10/01/32 0 8051857 K15/G02 F 142,500.00 ZZ 360 142,500.00 1 6.500 900.70 80 6.250 900.70 1 NAUGATUCK CT 06770 5 09/12/02 00 0434665550 05 11/01/02 0 037405300027 O 10/01/32 0 8051971 742/G02 F 56,000.00 ZZ 360 56,000.00 2 7.125 377.28 80 6.875 377.28 SYRACUSE NY 13207 1 09/13/02 00 0434633897 05 11/01/02 0 5599147 N 10/01/32 0 8052003 U05/G02 F 75,600.00 ZZ 360 75,600.00 1 6.875 496.64 80 6.625 496.64 EL PASO TX 79936 5 09/10/02 00 0434622056 05 11/01/02 0 3244641 O 10/01/32 0 8052017 975/G02 F 136,000.00 ZZ 360 136,000.00 1 6.750 882.09 80 6.500 882.09 GARDEN GROVE CA 92844 5 09/12/02 00 0434641965 01 11/01/02 0 2023241 O 10/01/32 0 8052023 742/G02 F 108,000.00 ZZ 360 108,000.00 3 7.250 736.75 90 7.000 736.75 BALLSTON SPA NY 12020 1 09/12/02 11 0434637401 05 11/01/02 25 8878886 N 10/01/32 0 8052051 642/G02 F 238,000.00 ZZ 360 238,000.00 1 7.250 1,623.58 78 7.000 1,623.58 TOWANDA PA 18848 5 09/11/02 00 0434614954 05 11/01/02 0 08189002 O 10/01/32 0 1 8052147 U05/G02 F 123,750.00 ZZ 360 123,750.00 4 6.625 792.38 90 6.375 792.38 WILMINGTON DE 19801 1 09/05/02 04 0434666889 05 11/01/02 25 3259900 N 10/01/32 0 8052161 253/253 F 90,155.00 ZZ 360 90,077.38 1 6.750 584.74 95 6.500 584.74 WHEATRIDGE CO 80212 1 08/22/02 19 422020 01 10/01/02 30 422020 O 09/01/32 0 8052217 U97/G02 F 210,000.00 ZZ 360 210,000.00 1 6.500 1,327.34 75 6.250 1,327.34 SAN DIEGO CA 92139 5 09/13/02 00 0434666913 05 11/01/02 0 7287746 O 10/01/32 0 8052295 B44/G02 F 300,000.00 ZZ 360 300,000.00 1 7.000 1,995.91 75 6.750 1,995.91 SUISUN CITY CA 94585 1 09/03/02 00 0434638342 05 11/01/02 0 3020267 O 10/01/32 0 8052363 W08/G02 F 157,500.00 T 360 157,500.00 1 7.250 1,074.43 70 7.000 1,074.43 KEY LARGO FL 33037 1 09/18/02 00 0434635314 27 11/01/02 0 021706MG O 10/01/32 0 8052581 562/G02 F 189,000.00 ZZ 360 189,000.00 1 1 6.875 1,241.60 76 6.625 1,241.60 TEANECK NJ 07666 5 09/16/02 00 0434635785 05 11/01/02 0 297043979 O 10/01/32 0 8052731 X07/G02 F 131,400.00 ZZ 360 131,400.00 1 6.625 841.37 36 6.375 841.37 WAUKESHA WI 53189 2 09/16/02 00 0434637526 05 11/01/02 0 6910000706 O 10/01/32 0 8052877 U05/G02 F 123,750.00 ZZ 360 123,750.00 4 6.625 792.38 90 6.375 792.38 WILMINGTON DE 19801 1 09/05/02 10 0434606885 05 11/01/02 25 3259906 N 10/01/32 0 8052973 E47/G02 F 52,000.00 ZZ 360 52,000.00 1 7.500 363.59 80 7.250 363.59 TAMPA FL 33612 1 09/05/02 00 0434633814 05 11/01/02 0 7361012733 N 10/01/32 0 8053005 E45/G02 F 116,000.00 ZZ 360 115,895.13 1 6.500 733.20 65 6.250 733.20 HENDERSON NV 89012 2 08/23/02 00 0434639928 03 10/01/02 0 248967 O 09/01/32 0 8053009 A50/G02 F 90,300.00 ZZ 360 90,225.98 1 7.000 600.77 70 6.750 600.77 BIRMINGHAM AL 35235 2 08/06/02 00 0434631784 05 10/01/02 0 1 847418 O 09/01/32 0 8053069 588/G02 F 163,000.00 ZZ 360 162,625.02 1 7.375 1,125.80 74 7.125 1,125.80 CHERRY HILL TOW NJ 08003 1 06/26/02 00 0434674396 05 08/01/02 0 1062840 O 07/01/32 0 8053113 944/G02 F 285,000.00 ZZ 360 285,000.00 1 6.375 1,778.03 46 6.125 1,778.03 FOUNTAIN VALLEY CA 92708 5 09/05/02 00 0434643334 05 11/01/02 0 W02025375 O 10/01/32 0 8053213 U05/G02 F 284,400.00 ZZ 360 284,166.88 3 7.000 1,892.12 80 6.750 1,892.12 AUBURN CA 95603 1 08/30/02 00 0434622023 05 10/01/02 0 3255040 N 09/01/32 0 8053455 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 7.250 982.33 80 7.000 982.33 RAMAPO NY 10977 1 09/20/02 00 0414566778 05 11/01/02 0 0414566778 O 10/01/32 0 8053463 E22/G02 F 65,000.00 ZZ 360 65,000.00 1 6.750 421.59 46 6.500 421.59 ROYAL OAK MI 48073 5 09/20/02 00 0414633834 05 11/01/02 0 0414633834 N 10/01/32 0 1 8053481 E22/G02 F 187,500.00 ZZ 360 187,500.00 1 6.375 1,169.76 56 6.125 1,169.76 SHINGLE SPRINGS CA 95682 5 09/11/02 00 0414690776 05 11/01/02 0 0414690776 O 10/01/32 0 8053519 E22/G02 F 203,000.00 ZZ 360 203,000.00 1 6.750 1,316.65 77 6.500 1,316.65 TORRINGTON CT 06790 5 09/16/02 00 0414762344 05 11/01/02 0 0414762344 O 10/01/32 0 8053537 E22/G02 F 180,800.00 ZZ 360 180,800.00 1 6.500 1,142.78 80 6.250 1,142.78 GRANADA HILLS ( CA 91344 1 09/12/02 00 0414785964 05 11/01/02 0 0414785964 O 10/01/32 0 8053551 E22/G02 F 253,800.00 ZZ 360 253,800.00 1 6.875 1,667.29 90 6.625 1,667.29 LAKE WORTH FL 33467 1 09/19/02 01 0414797860 03 11/01/02 25 0414797860 O 10/01/32 0 8053555 E22/G02 F 95,625.00 ZZ 360 95,625.00 3 7.250 652.33 90 7.000 652.33 ALBUQUERQUE NM 87108 1 09/20/02 01 0414801498 05 11/01/02 25 0414801498 N 10/01/32 0 8053559 E22/G02 F 31,500.00 ZZ 360 31,500.00 1 6.875 206.93 90 6.625 206.93 1 ASHTABULA OH 44004 1 09/20/02 04 0414819110 05 11/01/02 25 0414819110 N 10/01/32 0 8053635 E22/G02 F 208,000.00 ZZ 360 208,000.00 1 7.375 1,436.60 95 7.125 1,436.60 FAIRVIEW NC 28730 5 09/16/02 01 0414881078 05 11/01/02 30 0414881078 O 10/01/32 0 8053639 E22/G02 F 142,200.00 ZZ 360 142,200.00 1 7.000 946.06 90 6.750 946.06 BEMIDJI MN 56601 5 09/16/02 01 0414886036 05 11/01/02 25 0414886036 O 10/01/32 0 8053649 E22/G02 F 60,750.00 ZZ 360 60,750.00 1 7.500 424.77 90 7.250 424.77 MIAMI FL 33176 1 09/20/02 04 0414889964 07 11/01/02 25 0414889964 N 10/01/32 0 8053651 E22/G02 F 53,910.00 T 360 53,910.00 1 7.250 367.76 90 7.000 367.76 HOUSTON TX 77058 1 09/17/02 01 0414890954 01 11/01/02 25 0414890954 O 10/01/32 0 8053683 E22/G02 F 248,000.00 ZZ 360 248,000.00 1 6.500 1,567.53 80 6.250 1,567.53 UNION CITY CA 94587 5 09/12/02 00 0414922120 09 11/01/02 0 0414922120 O 10/01/32 0 1 8053693 E22/G02 F 94,400.00 ZZ 360 94,400.00 1 6.875 620.14 80 6.625 620.14 DALLAS TX 75287 1 09/20/02 00 0414934273 09 11/01/02 0 0414934273 O 10/01/32 0 8053701 E22/G02 F 95,600.00 ZZ 360 95,600.00 3 7.250 652.16 90 7.000 652.16 ALBUQUERQUE NM 87108 1 09/20/02 01 0418053701 05 11/01/02 25 0414945832 N 10/01/32 0 8053713 E22/G02 F 110,700.00 ZZ 360 110,700.00 1 6.375 690.62 90 6.125 690.62 KENNER LA 70065 1 09/20/02 01 0414987081 05 11/01/02 25 0414987081 O 10/01/32 0 8053719 E22/G02 F 177,900.00 ZZ 360 177,900.00 1 7.125 1,198.55 90 6.875 1,198.55 ROCKLIN CA 95765 1 09/17/02 01 0415021013 01 11/01/02 25 0415021013 N 10/01/32 0 8053721 E22/G02 F 68,625.00 ZZ 360 68,625.00 1 6.875 450.82 75 6.625 450.82 RICHARDSON TX 75080 1 09/20/02 00 0415040963 05 11/01/02 0 0415040963 N 10/01/32 0 8054273 E45/G02 F 120,000.00 ZZ 360 119,894.13 1 1 6.625 768.37 60 6.375 768.37 POMPANO BEACH FL 33062 1 08/30/02 00 0434642575 06 10/01/02 0 258440 O 09/01/32 0 8054589 E45/G02 F 215,000.00 ZZ 360 214,823.77 1 7.000 1,430.40 70 6.750 1,430.40 JACKSONVILLE BE FL 32250 5 08/26/02 00 0434638516 05 10/01/02 0 278690 O 09/01/32 0 8054631 Q30/G02 F 292,000.00 ZZ 360 292,000.00 1 7.250 1,991.95 90 7.000 1,991.95 SOUTH OZONE PAR NY 11420 1 09/13/02 10 0434635256 05 11/01/02 30 2101544 O 10/01/32 0 8054635 X67/G02 F 246,000.00 ZZ 360 246,000.00 1 6.500 1,554.89 79 6.250 1,554.89 CENTENNIAL CO 80015 5 09/09/02 00 0434635074 05 11/01/02 0 00269351 O 10/01/32 0 8054771 642/G02 F 143,200.00 ZZ 360 143,200.00 1 6.750 928.79 80 6.500 928.79 EASTON MA 02375 1 09/12/02 00 0434637500 01 11/01/02 0 08182402 O 10/01/32 0 8054967 742/G02 F 47,200.00 ZZ 360 47,200.00 2 6.875 310.07 80 6.625 310.07 SYRACUSE NY 13207 1 09/13/02 00 0434642674 05 11/01/02 0 1 5665526 N 10/01/32 0 8055013 742/G02 F 73,600.00 ZZ 360 73,600.00 2 6.875 483.50 80 6.625 483.50 SYRACUSE NY 13203 1 09/13/02 00 0434650602 05 11/01/02 0 5585781 N 10/01/32 0 8055061 E47/G02 F 110,000.00 ZZ 360 110,000.00 1 7.375 759.74 59 7.125 759.74 MODESTO CA 95350 5 09/03/02 00 0434640645 05 11/01/02 0 7359520037 N 10/01/32 0 8055253 E11/G02 F 130,400.00 ZZ 360 130,400.00 1 7.125 878.53 80 6.875 878.53 LINWOOD MN 55092 1 09/16/02 00 0434636718 05 11/01/02 0 1 O 10/01/32 0 8055365 A52/G02 F 144,000.00 ZZ 360 144,000.00 1 7.125 970.15 80 6.875 970.15 STONE MOUNTAIN GA 30083 2 09/13/02 00 0434622270 05 11/01/02 0 20831 N 10/01/32 0 8055713 G27/G02 F 119,000.00 ZZ 360 119,000.00 1 6.875 781.75 77 6.625 781.75 TURLOCK CA 95380 5 09/04/02 00 0434638037 05 11/01/02 0 10002042 O 10/01/32 0 1 8055721 642/G02 F 172,000.00 ZZ 360 172,000.00 2 7.375 1,187.96 86 7.125 1,187.96 BEREA KY 40403 2 09/16/02 11 0434637781 05 11/01/02 25 08104102 N 10/01/32 0 8055773 642/G02 F 288,000.00 ZZ 360 288,000.00 1 6.250 1,773.27 80 6.000 1,773.27 COSTA MESA CA 92626 1 09/10/02 00 0434637583 05 11/01/02 0 09101902 O 10/01/32 0 8055797 883/G02 F 147,250.00 ZZ 360 147,250.00 1 6.750 955.06 95 6.500 955.06 ATLANTA GA 30315 1 09/16/02 10 0434667325 05 11/01/02 30 05018538 O 10/01/32 0 8055933 S11/G02 F 175,200.00 T 360 175,200.00 1 6.625 1,121.82 75 6.375 1,121.82 BIG BEAR LAKE CA 92315 1 09/04/02 00 0434649372 05 11/01/02 0 10209108 O 10/01/32 0 8055939 A52/G02 F 80,400.00 ZZ 360 80,400.00 1 6.500 508.18 62 6.250 508.18 WOODSTOCK GA 30188 5 09/13/02 00 0434622601 05 11/01/02 0 20842 O 10/01/32 0 8057071 E22/G02 F 163,800.00 ZZ 360 163,800.00 2 6.750 1,062.40 71 6.500 1,062.40 1 RANCHO CORDOVA CA 95670 5 09/12/02 00 0414443614 05 11/01/02 0 0414443614 O 10/01/32 0 8057091 E22/G02 F 235,450.00 ZZ 360 235,450.00 1 6.750 1,527.12 85 6.500 1,527.12 ANAHEIM CA 92802 5 09/04/02 11 0414607366 05 11/01/02 12 0414607366 O 10/01/32 0 8057145 E22/G02 F 283,000.00 ZZ 360 283,000.00 1 6.500 1,788.75 71 6.250 1,788.75 BROOKLYN NY 11234 2 09/17/02 00 0414706556 07 11/01/02 0 0414706556 O 10/01/32 0 8057169 E22/G02 F 288,000.00 ZZ 360 288,000.00 1 6.750 1,867.96 80 6.500 1,867.96 RENTON WA 98055 5 09/16/02 00 0414752329 05 11/01/02 0 0414752329 O 10/01/32 0 8057171 E22/G02 F 75,800.00 ZZ 360 75,800.00 1 6.750 491.64 80 6.500 491.64 MANSFIELD TX 76016 5 09/18/02 00 0414756221 05 11/01/02 0 0414756221 O 10/01/32 0 8057215 E22/G02 F 206,000.00 ZZ 360 206,000.00 1 6.750 1,336.11 90 6.500 1,336.11 MANTECA CA 95336 2 09/06/02 01 0414821694 05 11/01/02 25 0414821694 O 10/01/32 0 1 8057227 E22/G02 F 136,000.00 ZZ 360 136,000.00 1 7.250 927.76 80 7.000 927.76 AMERICAN FORK UT 84003 5 09/18/02 00 0414831594 05 11/01/02 0 0414831594 O 10/01/32 0 8057233 E22/G02 F 153,000.00 ZZ 360 153,000.00 1 6.875 1,005.10 64 6.625 1,005.10 FLORISSANT CO 80816 5 09/18/02 00 0414836502 03 11/01/02 0 0414836502 O 10/01/32 0 8057239 E22/G02 F 60,000.00 ZZ 360 60,000.00 1 7.125 404.23 69 6.875 404.23 PUEBLO CO 81006 5 09/23/02 00 0414844803 05 11/01/02 0 0414844803 N 10/01/32 0 8057269 E22/G02 F 117,900.00 ZZ 360 117,900.00 1 6.625 754.93 90 6.375 754.93 EUGENE OR 97401 1 09/18/02 04 0414862102 05 11/01/02 25 0414862102 O 10/01/32 0 8057297 E22/G02 F 102,000.00 ZZ 360 102,000.00 1 7.000 678.61 76 6.750 678.61 MARGATE FL 33063 5 09/18/02 00 0414883421 03 11/01/02 0 0414883421 O 10/01/32 0 8057307 E22/G02 F 265,000.00 ZZ 360 265,000.00 1 1 6.625 1,696.82 74 6.375 1,696.82 TROY MI 48098 2 09/17/02 00 0414891267 05 11/01/02 0 0414891267 O 10/01/32 0 8057329 E22/G02 F 173,250.00 ZZ 360 173,250.00 1 7.250 1,181.87 75 7.000 1,181.87 PUEBLO WEST CO 81007 5 09/23/02 00 0414908970 05 11/01/02 0 0414908970 N 10/01/32 0 8057333 E22/G02 F 146,250.00 ZZ 360 146,250.00 1 7.000 973.00 75 6.750 973.00 FEDERAL WAY WA 98003 5 09/16/02 00 0414909754 05 11/01/02 0 0414909754 N 10/01/32 0 8057357 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 6.875 1,123.35 78 6.625 1,123.35 MIAMI BEACH FL 33140 2 09/17/02 00 0414933002 06 11/01/02 0 0414933002 O 10/01/32 0 8057359 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.625 1,408.68 68 6.375 1,408.68 GLENVIEW IL 60025 5 09/17/02 00 0414937052 05 11/01/02 0 0414937052 O 10/01/32 0 8057361 E22/G02 F 150,600.00 ZZ 360 150,600.00 1 6.375 939.55 60 6.125 939.55 WEAVERVILLE NC 28787 1 09/20/02 00 0414937797 05 11/01/02 0 1 0414937797 O 10/01/32 0 8057377 E22/G02 F 244,000.00 ZZ 360 244,000.00 1 6.625 1,562.36 80 6.375 1,562.36 KIRKLAND WA 98033 2 09/16/02 00 0414953653 05 11/01/02 0 0414953653 O 10/01/32 0 8057385 E22/G02 F 234,750.00 ZZ 360 234,750.00 1 6.375 1,464.53 76 6.125 1,464.53 HOUSTON TX 77077 1 09/23/02 00 0414960542 03 11/01/02 0 0414960542 O 10/01/32 0 8057393 E22/G02 F 245,000.00 ZZ 360 245,000.00 1 7.500 1,713.08 85 7.250 1,713.08 MIDDLETOWN TOWN NJ 07748 2 09/18/02 04 0414398198 05 11/01/02 25 0414398198 O 10/01/32 0 8057653 825/G02 F 130,000.00 ZZ 360 130,000.00 1 6.375 811.03 38 6.125 811.03 WELLINGTON CO 80549 5 09/17/02 00 0434640215 05 11/01/02 0 HATFIELD O 10/01/32 0 8057691 168/168 F 270,000.00 ZZ 360 269,784.09 1 7.125 1,819.04 75 6.875 1,819.04 FARMINGTON HILL MI 48331 2 08/28/02 00 0089648595 05 10/01/02 0 0089648595 O 09/01/32 0 1 8057773 K39/G02 F 68,000.00 ZZ 360 67,940.85 1 6.750 441.65 83 6.500 441.65 DOWELLTOWN TN 37059 5 09/13/02 10 0434644738 05 10/18/02 12 030501520 O 09/18/32 0 8057813 E11/G02 F 154,000.00 ZZ 360 154,000.00 1 6.500 973.38 77 6.250 973.38 MINNEAPOLIS MN 55419 5 09/13/02 00 0434647814 05 11/01/02 0 0010001046704 O 10/01/32 0 8057901 E47/G02 F 267,200.00 ZZ 360 267,200.00 1 6.500 1,688.89 80 6.250 1,688.89 ANTIOCH CA 94509 1 09/03/02 00 0434637575 05 11/01/02 0 7359511811 O 10/01/32 0 8057903 M96/G02 F 161,500.00 ZZ 360 161,500.00 1 6.875 1,060.94 95 6.625 1,060.94 GRAND RAPIDS MI 49508 1 09/17/02 10 0434640041 05 11/01/02 30 200202175 O 10/01/32 0 8057949 F61/G02 F 174,000.00 ZZ 360 174,000.00 1 6.875 1,143.06 75 6.625 1,143.06 MONROE WA 98272 2 09/12/02 00 0434667705 03 11/01/02 0 021389B N 10/01/32 0 8058157 G34/G02 F 174,700.00 ZZ 360 174,700.00 1 6.625 1,118.62 91 6.375 1,118.62 1 LAS VEGAS NV 89148 1 09/18/02 10 0434636932 03 11/01/02 25 39022176 O 10/01/32 0 8058183 L20/G02 F 42,240.00 ZZ 360 42,240.00 1 7.500 295.35 80 7.250 295.35 RICHFIELD ID 83349 1 09/17/02 00 0434652749 05 11/01/02 0 716200 N 10/01/32 0 8058221 N74/G02 F 146,100.00 ZZ 360 145,983.17 1 7.125 984.30 84 6.875 984.30 KINGS MOUNTAIN NC 28086 2 09/19/02 10 0434630042 05 10/24/02 12 0030747010 O 09/24/32 0 8058253 B57/G02 F 130,500.00 ZZ 360 130,500.00 3 7.000 868.22 90 6.750 868.22 CERES CA 95307 1 09/16/02 01 0434654067 05 11/01/02 30 70000319 N 10/01/32 0 8058645 742/G02 F 123,975.00 ZZ 360 123,975.00 1 6.625 793.83 90 6.375 793.83 SPARKS NV 89436 1 09/11/02 11 0434653291 05 11/01/02 25 5617329 N 10/01/32 0 8058697 Q14/G02 F 127,600.00 ZZ 360 127,600.00 1 6.750 827.61 80 6.500 827.61 PHOENIX AZ 85048 1 09/20/02 00 0434644530 03 11/01/02 0 0209028 O 10/01/32 0 1 8058707 X94/G02 F 213,600.00 ZZ 360 213,600.00 1 6.375 1,332.59 80 6.125 1,332.59 OTSEGO MN 55330 5 09/17/02 00 0434639027 05 11/01/02 0 991079 O 10/01/32 0 8058743 883/G02 F 75,000.00 ZZ 360 75,000.00 1 7.000 498.98 75 6.750 498.98 APOPKA FL 32712 5 09/12/02 00 0434646808 05 11/01/02 0 05018340 O 10/01/32 0 8058859 U28/G02 F 140,000.00 ZZ 360 140,000.00 1 6.750 908.04 59 6.500 908.04 DECATUR GA 30030 5 09/17/02 00 0434646865 05 11/01/02 0 2000005105 O 10/01/32 0 8059335 E82/G02 F 85,600.00 ZZ 360 85,600.00 2 6.875 562.33 89 6.625 562.33 PORTSMOUTH VA 23702 2 09/19/02 04 0400693354 05 11/01/02 25 4094179 N 10/01/32 0 8059349 E82/G02 F 65,000.00 ZZ 360 65,000.00 1 7.375 448.94 74 7.125 448.94 WEST PALM BEACH FL 33407 2 09/16/02 00 0400678587 06 11/01/02 0 0400678587 O 10/01/32 0 8059351 E82/G02 F 84,800.00 ZZ 360 84,800.00 1 1 7.000 564.18 80 6.750 564.18 CUYAHOGA FALLS OH 44223 2 09/19/02 00 0400689071 05 11/01/02 0 0400689071 N 10/01/32 0 8059353 E82/G02 F 68,900.00 ZZ 360 68,900.00 1 6.875 452.62 76 6.625 452.62 TUCSON AZ 85710 2 09/18/02 00 0400699302 05 11/01/02 0 4030666 O 10/01/32 0 8059371 E82/G02 F 274,500.00 ZZ 360 274,500.00 1 6.875 1,803.27 85 6.625 1,803.27 BOUNTIFUL UT 84010 2 09/17/02 04 0400692232 05 11/01/02 12 1684921 O 10/01/32 0 8059423 E22/G02 F 41,000.00 ZZ 360 41,000.00 1 7.000 272.77 79 6.750 272.77 HOUSTON TX 77055 2 09/19/02 00 0414573915 01 11/01/02 0 0414573915 N 10/01/32 0 8059465 E22/G02 F 171,000.00 ZZ 360 171,000.00 1 7.125 1,152.06 90 6.875 1,152.06 BOWIE MD 20716 2 09/24/02 04 0414694182 05 11/01/02 25 0414694182 N 10/01/32 0 8059485 E22/G02 F 80,100.00 ZZ 360 80,100.00 1 6.625 512.89 90 6.375 512.89 BELLINGHAM WA 98225 1 09/16/02 04 0414707646 01 11/01/02 25 1 0414707646 N 10/01/32 0 8059497 E22/G02 F 89,000.00 ZZ 360 89,000.00 1 6.750 577.25 90 6.500 577.25 BRANFORD CT 06405 1 09/24/02 04 0414733766 01 11/01/02 25 0414733766 N 10/01/32 0 8059519 E22/G02 F 235,921.00 ZZ 360 235,921.00 1 6.500 1,491.18 80 6.250 1,491.18 GRAYSON GA 30017 2 09/19/02 00 0414773689 05 11/01/02 0 0414773689 O 10/01/32 0 8059589 E22/G02 F 129,600.00 T 360 129,600.00 1 7.375 895.11 80 7.125 895.11 LUDINGTON MI 49431 1 09/09/02 00 0414868018 05 11/01/02 0 0414868018 O 10/01/32 0 8059599 E22/G02 F 120,600.00 ZZ 360 120,600.00 1 7.375 832.95 90 7.125 832.95 BLUE RIVER OR 97413 1 09/18/02 04 0414878637 05 11/01/02 30 0414878637 O 10/01/32 0 8059617 E22/G02 F 75,600.00 ZZ 360 75,600.00 1 7.250 515.73 90 7.000 515.73 OAKLAND PARK FL 33334 1 09/23/02 01 0414897652 01 11/01/02 25 0414897652 N 10/01/32 0 1 8059619 E22/G02 F 157,500.00 ZZ 360 157,500.00 1 7.000 1,047.85 75 6.750 1,047.85 DES MOINES WA 98148 5 09/09/02 00 0414899450 05 11/01/02 0 0414899450 N 10/01/32 0 8059649 E22/G02 F 82,650.00 ZZ 360 82,650.00 1 6.375 515.63 95 6.125 515.63 IRMO SC 29063 5 09/19/02 10 0414931931 05 11/01/02 30 0414931931 O 10/01/32 0 8060095 642/G02 F 94,000.00 ZZ 360 94,000.00 1 6.750 609.68 95 6.500 609.68 RAPID CITY SD 57701 5 09/17/02 10 0434633012 05 11/01/02 30 08237702 O 10/01/32 0 8060099 R84/G02 F 300,000.00 T 360 300,000.00 1 6.625 1,920.93 78 6.375 1,920.93 DANA POINT CA 92629 1 09/18/02 00 0434638599 01 11/01/02 0 LVR4726 O 10/01/32 0 8060177 P44/G02 F 182,000.00 ZZ 360 182,000.00 1 6.375 1,135.44 80 6.125 1,135.44 FALMOUTH(NORTH) MA 02556 5 09/11/02 00 0434638854 05 11/01/02 0 1 N 10/01/32 0 8060259 U05/G02 F 256,500.00 ZZ 360 256,500.00 1 6.750 1,663.65 90 6.500 1,663.65 1 BURBANK CA 91506 1 09/05/02 10 0434656831 05 11/01/02 25 3256409 O 10/01/32 0 8060299 W40/G02 F 68,000.00 ZZ 360 68,000.00 1 6.375 424.23 80 6.125 424.23 DETROIT MI 48228 1 09/12/02 00 0434722112 05 11/01/02 0 10101574 O 10/01/32 0 8060311 G34/G02 F 147,250.00 ZZ 360 147,250.00 1 6.875 967.33 95 6.625 967.33 BLOOMINGTON CA 92316 1 09/11/02 01 0434645909 05 11/01/02 30 41000255 O 10/01/32 0 8060335 G34/G02 F 233,000.00 ZZ 360 233,000.00 1 6.750 1,511.23 70 6.500 1,511.23 OAKLAND CA 94606 1 09/18/02 00 0434656120 05 11/01/02 0 48200667 N 10/01/32 0 8060349 W02/G02 F 108,000.00 ZZ 360 107,904.71 1 6.625 691.54 80 6.375 691.54 TAMARAC FL 33321 5 08/24/02 00 0434654927 03 10/01/02 0 1001439256 O 09/01/32 0 8060463 N47/G02 F 285,000.00 ZZ 360 285,000.00 1 6.875 1,872.25 46 6.625 1,872.25 CARMEL VALLEY CA 93924 5 09/12/02 00 0434649463 05 11/01/02 0 20121142 O 10/01/32 0 1 8060605 M18/G02 F 178,000.00 ZZ 360 178,000.00 1 7.250 1,214.27 80 7.000 1,214.27 GARDEN GROVE CA 92643 5 09/11/02 00 0434645545 01 11/01/02 0 980102040 O 10/01/32 0 8060703 A06/G02 F 195,000.00 ZZ 360 195,000.00 1 6.625 1,248.61 75 6.375 1,248.61 DETROIT MI 48221 5 09/21/02 00 0434637609 05 11/01/02 0 1 N 10/01/32 0 8060789 W02/G02 F 86,450.00 ZZ 360 86,373.73 1 6.625 553.55 95 6.375 553.55 MIDDLEBURG FL 32068 5 08/23/02 12 0434655239 05 10/01/02 30 1001453248 O 09/01/32 0 8060861 W02/G02 F 67,000.00 ZZ 360 66,849.81 1 6.500 423.49 84 6.250 423.49 JACKSONVILLE FL 32216 5 08/22/02 12 0434637328 05 10/01/02 12 1001433802 O 09/01/32 0 8060939 N74/G02 F 100,000.00 ZZ 360 99,913.90 1 6.750 648.60 61 6.500 648.60 GRAHAM NC 27253 2 09/20/02 00 0434696506 05 10/25/02 0 0030736010 O 09/25/32 0 8061607 696/G02 F 204,000.00 ZZ 360 204,000.00 1 1 6.625 1,306.23 80 6.375 1,306.23 ROCKVILLE MD 20853 5 09/16/02 00 0434621405 05 11/01/02 0 30102147 O 10/01/32 0 8061613 X67/G02 F 69,600.00 ZZ 360 69,600.00 1 7.000 463.05 80 6.750 463.05 HAMPTON VA 23666 1 09/13/02 00 0434647848 05 11/01/02 0 00240950 N 10/01/32 0 8061661 M18/G02 F 298,000.00 ZZ 360 298,000.00 1 7.000 1,982.60 85 6.750 1,982.60 LOMA LINDA CA 92354 1 08/28/02 11 0434645586 05 11/01/02 12 980101941 O 10/01/32 0 8061691 A06/G02 F 104,000.00 ZZ 360 104,000.00 1 7.500 727.19 77 7.250 727.19 EASTPOINTE MI 48021 2 09/10/02 00 0434641163 05 11/01/02 0 1000020218252 O 10/01/32 0 8062163 E82/G02 F 106,400.00 ZZ 360 106,400.00 1 6.750 690.11 67 6.500 690.11 HANSVILLE WA 98340 5 09/20/02 00 0400689576 05 11/01/02 0 0400689576 O 10/01/32 0 8062171 E82/G02 F 101,700.00 ZZ 360 101,700.00 1 7.000 676.61 57 6.750 676.61 TULSA OK 74135 5 09/19/02 00 0400651295 05 11/01/02 0 1 0400651295 O 10/01/32 0 8062183 E82/G02 F 135,950.00 ZZ 360 135,950.00 1 6.625 870.50 76 6.375 870.50 FEDERAL WAY WA 98023 2 09/17/02 00 0400671376 05 11/01/02 0 1851957 O 10/01/32 0 8062189 E82/G02 F 144,000.00 ZZ 360 144,000.00 1 6.875 945.98 90 6.625 945.98 BUSHWOOD MD 20618 2 09/20/02 11 0400695789 05 11/01/02 25 0400695789 O 10/01/32 0 8062229 E82/G02 F 52,350.00 ZZ 360 52,350.00 1 6.875 343.90 66 6.625 343.90 WINDER GA 30680 2 09/24/02 00 0400676185 05 11/01/02 0 1502171 N 10/01/32 0 8062247 E82/G02 F 210,500.00 ZZ 360 210,500.00 1 6.625 1,347.85 78 6.375 1,347.85 KEY WEST FL 33040 5 09/20/02 00 0400689436 05 11/01/02 0 0400689436 O 10/01/32 0 8062265 E82/G02 F 123,000.00 ZZ 360 123,000.00 1 6.750 797.78 62 6.500 797.78 BAINBRIDGE ISLA WA 98110 5 09/19/02 00 0400680617 05 11/01/02 0 0400680617 O 10/01/32 0 1 8062621 W40/G02 F 276,000.00 ZZ 360 276,000.00 1 7.250 1,882.81 75 7.000 1,882.81 ANN ARBOR MI 48104 5 09/18/02 00 0434652491 05 11/01/02 0 101010849 N 10/01/32 0 8062665 Q59/G02 F 168,750.00 ZZ 360 168,750.00 3 7.000 1,122.70 90 6.750 1,122.70 NORWALK CA 90650 1 09/18/02 04 0434652145 05 11/01/02 25 401952 N 10/01/32 0 8062697 E22/G02 F 240,800.00 ZZ 360 240,800.00 1 6.500 1,522.02 80 6.250 1,522.02 SHOREVIEW MN 55126 5 09/20/02 00 0414902684 05 11/01/02 0 0414902684 O 10/01/32 0 8062699 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.875 1,524.07 80 6.625 1,524.07 DENVER CO 80212 5 09/20/02 00 0414903245 05 11/01/02 0 0414903245 O 10/01/32 0 8062703 E22/G02 F 111,000.00 ZZ 360 111,000.00 1 6.875 729.19 93 6.625 729.19 OMAHA NE 68122 5 09/20/02 04 0414910372 05 11/01/02 30 0414910372 O 10/01/32 0 8062751 E22/G02 F 225,250.00 ZZ 360 225,250.00 1 6.625 1,442.30 85 6.375 1,442.30 1 SPOKANE WA 99223 2 09/18/02 04 0414947937 05 11/01/02 25 0414947937 O 10/01/32 0 8062801 E22/G02 F 272,000.00 ZZ 360 272,000.00 1 6.750 1,764.19 80 6.500 1,764.19 SEATTLE WA 98115 1 09/23/02 00 0414993402 05 11/01/02 0 0414993402 N 10/01/32 0 8062817 E22/G02 F 285,000.00 ZZ 360 285,000.00 1 6.625 1,824.89 41 6.375 1,824.89 ZEPHYR COVE NV 89448 1 09/18/02 00 0415027481 05 11/01/02 0 0415027481 N 10/01/32 0 8062819 E22/G02 F 93,600.00 ZZ 360 93,600.00 1 7.375 646.47 80 7.125 646.47 EUGENE OR 97405 1 09/20/02 00 0415034875 05 11/01/02 0 0415034875 N 10/01/32 0 8062855 E22/G02 F 74,700.00 ZZ 360 74,700.00 1 7.375 515.93 87 7.125 515.93 CANDLER NC 28715 5 09/20/02 01 0414737312 05 11/01/02 25 0414737312 O 10/01/32 0 8062877 E22/G02 F 152,000.00 ZZ 360 152,000.00 4 6.625 973.27 80 6.375 973.27 LARAMIE WY 82072 1 09/25/02 00 0414771964 05 11/01/02 0 0414771964 N 10/01/32 0 1 8062891 E22/G02 F 146,000.00 ZZ 360 146,000.00 1 6.500 922.82 77 6.250 922.82 HEMPSTEAD NY 11550 2 09/20/02 00 0414789479 05 11/01/02 0 0414789479 O 10/01/32 0 8062895 E22/G02 F 110,995.00 T 360 110,995.00 1 6.625 710.71 59 6.375 710.71 LAGUNA NIGUEL CA 92677 2 09/10/02 00 0414792556 01 11/01/02 0 0414792556 O 10/01/32 0 8062903 E22/G02 F 115,200.00 ZZ 360 115,200.00 1 6.750 747.19 90 6.500 747.19 LADSON SC 29456 2 09/20/02 10 0414811141 05 11/01/02 30 0414811141 O 10/01/32 0 8062921 M27/G02 F 134,000.00 ZZ 360 133,884.63 1 6.750 869.12 90 6.500 869.12 FRANKLIN TN 37069 1 08/30/02 01 0434671624 03 10/01/02 25 5000114017 N 09/01/32 0 8062923 975/G02 F 296,250.00 ZZ 360 296,250.00 1 6.250 1,824.06 77 6.000 1,824.06 ANAHEIM CA 92805 5 09/01/02 00 0434698593 05 11/01/02 0 2023491 O 10/01/32 0 8062945 E22/G02 F 272,000.00 ZZ 360 272,000.00 1 1 6.375 1,696.93 80 6.125 1,696.93 UNIVERSITY PLAC WA 98467 1 09/20/02 00 0414848309 05 11/01/02 0 0414848309 O 10/01/32 0 8062949 E22/G02 F 224,000.00 ZZ 360 224,000.00 1 6.875 1,471.52 80 6.625 1,471.52 SUNNYVALE TX 75182 2 09/19/02 00 0414849943 05 11/01/02 0 0414849943 O 10/01/32 0 8062973 E22/G02 F 110,400.00 ZZ 360 110,400.00 1 6.625 706.90 80 6.375 706.90 STOCKTON CA 95204 1 09/19/02 00 0414863076 05 11/01/02 0 0414863076 N 10/01/32 0 8062985 E22/G02 F 293,400.00 ZZ 360 293,400.00 1 6.625 1,878.67 90 6.375 1,878.67 PEMBROKE MA 02359 1 09/25/02 01 0414447946 05 11/01/02 25 0414447946 O 10/01/32 0 8063003 E22/G02 F 72,000.00 ZZ 360 72,000.00 1 6.625 461.02 80 6.375 461.02 WARREN MI 48093 1 09/25/02 00 0414576926 05 11/01/02 0 0414576926 N 10/01/32 0 8063027 A06/G02 F 70,000.00 ZZ 360 70,000.00 1 6.625 448.22 67 6.375 448.22 SOUTHFIELD MI 48076 5 09/23/02 00 0434640579 05 11/01/02 0 1 1 O 10/01/32 0 8063117 E45/G02 F 200,000.00 ZZ 360 200,000.00 1 6.500 1,264.14 55 6.250 1,264.14 ST. SIMONS ISLA GA 31522 5 09/09/02 00 0434663258 05 11/01/02 0 222214 O 10/01/32 0 8063141 893/G02 F 180,000.00 ZZ 360 180,000.00 1 6.500 1,137.72 75 6.250 1,137.72 MODESTO CA 95358 5 09/17/02 00 0434649208 05 11/01/02 0 M2091103.1 O 10/01/32 0 8063183 K39/G02 F 252,000.00 ZZ 360 252,000.00 1 6.500 1,592.82 80 6.250 1,592.82 BERGENFIELD NJ 07621 5 09/16/02 00 0434653531 05 11/01/02 0 091648922 O 10/01/32 0 8063233 E45/G02 F 104,000.00 ZZ 360 104,000.00 1 6.625 665.92 52 6.375 665.92 DACULA GA 30019 5 09/06/02 00 0434663050 05 11/01/02 0 277526 O 10/01/32 0 8063235 420/G02 F 296,250.00 ZZ 360 296,250.00 1 6.750 1,921.47 75 6.500 1,921.47 PETALUMA CA 94954 1 09/13/02 00 0434643300 05 11/01/02 0 72003225 O 10/01/32 0 1 8063257 E86/G02 F 128,400.00 ZZ 360 128,299.84 1 7.250 875.91 80 7.000 875.91 ALEXANDRIA VA 22310 1 08/27/02 00 0434642468 01 10/01/02 0 0000223413 N 09/01/32 0 8063373 642/G02 F 116,000.00 ZZ 360 116,000.00 1 6.750 752.37 80 6.500 752.37 PITTSBURGH PA 15236 5 09/19/02 00 0434636049 05 11/01/02 0 07231702 O 10/01/32 0 8063379 E11/G02 F 164,300.00 ZZ 360 164,300.00 1 7.125 1,106.92 90 6.875 1,106.92 OTSEGO MN 55330 1 09/20/02 10 0434684999 05 11/01/02 25 0010001047476 N 10/01/32 0 8063543 E82/G02 F 116,000.00 ZZ 360 116,000.00 1 6.750 752.37 73 6.500 752.37 AURORA CO 80011 5 09/17/02 00 0400696415 05 11/01/02 0 1638020 O 10/01/32 0 8063615 E82/G02 F 119,500.00 ZZ 360 119,500.00 1 6.500 755.32 78 6.250 755.32 CARBONDALE PA 18407 2 09/18/02 00 0400692992 05 11/01/02 0 4381695 O 10/01/32 0 8063641 U05/G02 F 246,000.00 ZZ 360 246,000.00 4 6.625 1,575.17 80 6.375 1,575.17 1 MAYWOOD CA 90270 2 09/16/02 00 0434648697 05 11/01/02 0 3262224 O 10/01/32 0 8063647 E57/G02 F 87,200.00 ZZ 360 87,200.00 1 7.500 609.72 80 7.250 609.72 PASADENA MD 21122 1 09/19/02 00 0434649232 09 11/01/02 0 10000716 N 10/01/32 0 8063657 642/G02 F 57,000.00 ZZ 360 56,915.13 1 7.500 398.55 90 7.250 398.55 CLINTON IN 47842 5 07/15/02 10 0434639183 05 09/01/02 25 06226702 O 08/01/32 0 8063901 E45/G02 F 150,000.00 ZZ 360 149,873.99 1 6.875 985.39 78 6.625 985.39 ATHENS GA 30606 2 08/19/02 00 0434643508 05 10/01/02 0 275897 O 09/01/32 0 8064245 N47/G02 F 102,000.00 ZZ 360 102,000.00 1 7.500 713.20 75 7.250 713.20 KISSIMMEE FL 34746 5 09/20/02 00 0434644407 09 11/01/02 0 121590 N 10/01/32 0 8064343 A52/G02 F 78,750.00 ZZ 360 78,750.00 1 7.500 550.63 75 7.250 550.63 ATLANTA GA 30327 5 09/13/02 00 0434643920 05 11/01/02 0 20649 N 10/01/32 0 1 8064589 952/G02 F 240,000.00 ZZ 360 240,000.00 1 7.000 1,596.73 80 6.750 1,596.73 WESTWOOD NJ 07675 1 09/09/02 00 0434671095 05 11/01/02 0 20026783 N 10/01/32 0 8065041 E82/G02 F 75,100.00 ZZ 360 75,100.00 2 6.875 493.35 77 6.625 493.35 PRESCOTT AZ 86314 2 09/25/02 00 0400686861 05 11/01/02 0 1774558 N 10/01/32 0 8065059 E82/G02 F 171,800.00 ZZ 360 171,800.00 1 7.500 1,201.25 71 7.250 1,201.25 LINDEN NJ 07036 2 09/23/02 00 0400682605 05 11/01/02 0 0400682605 O 10/01/32 0 8065061 E82/G02 F 97,000.00 ZZ 360 97,000.00 1 6.500 613.11 52 6.250 613.11 DAVENPORT FL 33896 2 09/23/02 00 0400692893 03 11/01/02 0 1800093 O 10/01/32 0 8065067 E82/G02 F 75,200.00 ZZ 360 75,200.00 1 6.500 475.32 80 6.250 475.32 WARRENSBURG MO 64093 2 09/25/02 00 0400697157 05 11/01/02 0 3499273 O 10/01/32 0 8065113 E82/G02 F 60,600.00 ZZ 360 60,600.00 1 1 6.750 393.05 70 6.500 393.05 HOMESTEAD FL 33030 2 09/27/02 00 0400696365 05 11/01/02 0 1720331 N 10/01/32 0 8065115 E82/G02 F 60,350.00 ZZ 360 60,350.00 1 6.750 391.43 68 6.500 391.43 HOMESTEAD FL 33030 2 09/27/02 00 0400696290 05 11/01/02 0 1640818 N 10/01/32 0 8065123 E82/G02 F 96,900.00 ZZ 360 96,900.00 1 6.875 636.56 64 6.625 636.56 COLORADO SPRING CO 80905 2 09/26/02 00 0400698155 05 11/01/02 0 4053184 N 10/01/32 0 8065139 E82/G02 F 76,500.00 ZZ 360 76,500.00 1 6.875 502.55 64 6.625 502.55 WILMINGTON IL 60481 2 09/20/02 00 0400678231 05 11/01/02 0 5538733 O 10/01/32 0 8065143 E82/G02 F 116,500.00 ZZ 360 116,500.00 1 6.750 755.62 94 6.500 755.62 BROOKSVILLE FL 34609 2 09/25/02 10 0400697181 05 11/01/02 30 5097272 O 10/01/32 0 8065215 E82/G02 F 122,000.00 ZZ 360 122,000.00 1 6.625 781.18 49 6.375 781.18 DANA POINT CA 92629 5 09/20/02 00 0400687869 01 11/01/02 0 1 0400687869 O 10/01/32 0 8065247 E82/G02 F 90,800.00 ZZ 360 90,800.00 1 6.875 596.49 65 6.625 596.49 WINSTON GA 30187 2 09/25/02 00 0400678397 05 11/01/02 0 0400678397 O 10/01/32 0 8065249 E82/G02 F 162,800.00 ZZ 360 162,800.00 1 6.625 1,042.43 89 6.375 1,042.43 FRIDLEY MN 55432 2 09/23/02 10 0400688248 05 11/01/02 25 0400688248 O 10/01/32 0 8065257 E82/G02 F 92,000.00 ZZ 360 92,000.00 1 6.625 589.09 65 6.375 589.09 VANCOUVER WA 98684 2 09/23/02 00 0400641643 05 11/01/02 0 1930560 N 10/01/32 0 8065297 E82/G02 F 271,800.00 ZZ 360 271,800.00 1 6.500 1,717.96 79 6.250 1,717.96 GARDEN GROVE CA 92844 2 09/25/02 00 0400697603 05 11/01/02 0 4480498 O 10/01/32 0 8065321 E82/G02 F 289,000.00 ZZ 360 289,000.00 1 6.625 1,850.50 73 6.375 1,850.50 UPPER MARLBORO MD 20772 2 09/20/02 00 0400692265 05 11/01/02 0 1719799 O 10/01/32 0 1 8065327 E82/G02 F 99,750.00 ZZ 360 99,750.00 1 6.625 638.71 87 6.375 638.71 MARIETTA GA 30066 2 09/25/02 10 0400694287 05 11/01/02 25 4784890 O 10/01/32 0 8065863 B44/G02 F 90,500.00 ZZ 360 90,500.00 1 6.625 579.48 79 6.375 579.48 BERRY CREEK CA 95916 5 09/16/02 00 0434659645 05 11/01/02 0 3020378 O 10/01/32 0 8065865 S43/G02 F 145,600.00 ZZ 360 145,600.00 1 6.625 932.29 79 6.375 932.29 LOS LUNAS NM 87031 2 09/24/02 00 0434652780 05 11/01/02 0 021420 O 10/01/32 0 8065895 940/G02 F 163,850.00 ZZ 360 163,850.00 1 6.375 1,022.21 62 6.125 1,022.21 MONROVIA CA 91016 2 09/20/02 00 0434656245 05 11/01/02 0 40020880 O 10/01/32 0 8065943 E22/G02 F 220,500.00 ZZ 360 220,500.00 1 7.125 1,485.55 80 6.875 1,485.55 LOXAHATCHEE FL 33470 1 09/26/02 00 0414732339 05 11/01/02 0 0414732339 O 10/01/32 0 8065965 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.875 985.39 43 6.625 985.39 1 BIG SKY MT 59716 2 09/26/02 00 0414797621 21 11/01/02 0 0414797621 N 10/01/32 0 8065985 642/G02 F 120,950.00 ZZ 360 120,950.00 1 6.500 764.49 79 6.250 764.49 FORT LAUDERDALE FL 33309 2 09/18/02 00 0434647392 05 11/01/02 0 0811602 O 10/01/32 0 8066015 E76/G02 F 133,804.00 ZZ 360 133,804.00 1 6.750 867.85 84 6.500 867.85 MOORE OK 73160 5 09/23/02 10 0434653044 05 11/01/02 12 100012748 O 10/01/32 0 8066071 F89/G02 F 132,000.00 ZZ 360 132,000.00 1 6.625 845.21 80 6.375 845.21 SANTA CLARITA CA 91321 1 09/16/02 00 0434648044 01 11/01/02 0 16923645 O 10/01/32 0 8066137 E76/G02 F 53,300.00 ZZ 360 53,300.00 1 7.500 372.68 80 7.250 372.68 HOPE AR 71801 5 09/18/02 00 0434642526 05 11/01/02 0 10015583 O 10/01/32 0 8066553 E22/G02 F 75,700.00 ZZ 240 75,700.00 1 7.000 586.90 79 6.750 586.90 FORT WORTH TX 76133 5 09/18/02 00 0414825661 05 11/01/02 0 0414825661 O 10/01/22 0 1 8066561 E22/G02 F 35,910.00 ZZ 360 35,910.00 1 7.375 248.02 90 7.125 248.02 JACKSON MI 49202 1 09/26/02 01 0414829663 05 11/01/02 25 0414829663 N 10/01/32 0 8066577 H76/G02 F 180,000.00 ZZ 360 180,000.00 1 7.125 1,212.70 90 6.875 1,212.70 THURMONT MD 21788 5 09/23/02 01 0434639241 05 11/01/02 25 2002447776 O 10/01/32 0 8066609 E22/G02 F 62,000.00 ZZ 360 62,000.00 1 7.125 417.71 100 6.875 417.71 SAUK VILLAGE IL 60411 1 09/26/02 04 0414880781 05 11/01/02 35 0414880781 O 10/01/32 0 8066625 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.750 1,037.76 80 6.500 1,037.76 CAMAS WA 98607 2 09/17/02 00 0414894113 05 11/01/02 0 0414894113 O 10/01/32 0 8066629 E22/G02 F 108,000.00 ZZ 360 108,000.00 3 7.250 736.75 90 7.000 736.75 LAKE WORTH FL 33460 1 09/26/02 01 0414894196 05 11/01/02 25 0414894196 N 10/01/32 0 8066653 E22/G02 F 264,550.00 ZZ 360 264,550.00 1 1 6.375 1,650.45 95 6.125 1,650.45 CINCINNATI OH 45202 1 09/26/02 11 0414901355 01 11/01/02 30 0414901355 O 10/01/32 0 8066687 X67/G02 F 261,600.00 ZZ 360 261,600.00 1 7.250 1,784.57 80 7.000 1,784.57 SAN JOSE CA 95116 1 09/09/02 00 0434651212 05 11/01/02 0 00268662 N 10/01/32 0 8066751 E22/G02 F 104,000.00 ZZ 360 104,000.00 4 7.250 709.46 80 7.000 709.46 FRESNO CA 93705 1 09/16/02 00 0415003276 05 11/01/02 0 0415003276 N 10/01/32 0 8066757 A21/G02 F 136,000.00 ZZ 360 136,000.00 2 7.375 939.32 80 7.125 939.32 ORANGE NJ 07050 1 09/12/02 00 0434715124 05 11/01/02 0 6780000002 N 10/01/32 0 8066779 E22/G02 F 101,600.00 ZZ 360 101,600.00 1 6.750 658.98 80 6.500 658.98 JUPITER FL 33458 1 09/26/02 00 0415026376 05 11/01/02 0 0415026376 N 10/01/32 0 8066795 E22/G02 F 133,000.00 ZZ 360 133,000.00 1 6.500 840.65 95 6.250 840.65 CARSON CITY NV 89701 1 09/20/02 01 0415064195 05 11/01/02 30 1 0415064195 O 10/01/32 0 8066851 U05/G02 F 300,000.00 ZZ 360 300,000.00 1 6.500 1,896.20 70 6.250 1,896.20 SAN JOSE CA 95138 2 09/06/02 00 0434670352 05 11/01/02 0 3257878 O 10/01/32 0 8067071 253/253 F 256,300.00 ZZ 360 256,300.00 1 6.625 1,641.12 80 6.375 1,641.12 FORT WORTH TX 76008 2 09/11/02 00 429870 05 11/01/02 0 429870 O 10/01/32 0 8067197 U05/G02 F 92,723.00 ZZ 360 92,723.00 3 6.625 593.72 90 6.375 593.72 WILMINGTON DE 19801 1 09/05/02 04 0434671111 05 11/01/02 25 3259903 N 10/01/32 0 8067667 P29/G02 F 91,800.00 ZZ 360 91,800.00 1 6.875 603.06 90 6.625 603.06 CENTRAL CITY IA 52214 2 09/25/02 14 0434645826 05 11/01/02 25 9627423 O 10/01/32 0 8068133 420/G02 F 294,000.00 ZZ 360 294,000.00 1 6.875 1,931.37 80 6.625 1,931.37 FORT BRAGG CA 95437 5 09/12/02 00 0434638631 05 11/01/02 0 72002924 O 10/01/32 0 1 8068991 E22/G02 F 276,000.00 ZZ 360 276,000.00 1 6.500 1,744.51 80 6.250 1,744.51 GOODLAND MI 48444 1 09/27/02 00 0415031608 05 11/01/02 0 0415031608 O 10/01/32 0 8068999 E22/G02 F 264,000.00 ZZ 360 264,000.00 1 6.375 1,647.02 80 6.125 1,647.02 ALPINE UT 84004 2 09/23/02 00 0415042738 05 11/01/02 0 0415042738 O 10/01/32 0 8069011 E22/G02 F 125,100.00 ZZ 360 125,100.00 2 6.625 801.03 90 6.375 801.03 KENNEWICK WA 99338 1 09/20/02 04 0415051291 05 11/01/02 25 0415051291 O 10/01/32 0 8069017 E22/G02 F 64,500.00 ZZ 360 64,500.00 1 6.625 413.00 72 6.375 413.00 TOLEDO OH 43612 2 09/27/02 00 0415056423 05 11/01/02 0 0415056423 N 10/01/32 0 8069025 E22/G02 F 292,500.00 ZZ 360 292,500.00 2 7.250 1,995.37 90 7.000 1,995.37 ORTLEY BEACH NJ 08753 1 09/27/02 04 0414287300 05 11/01/02 25 0414287300 N 10/01/32 0 8069049 E22/G02 F 124,500.00 ZZ 360 124,500.00 1 7.000 828.30 100 6.750 828.30 1 PEMBERVILLE OH 43450 1 09/27/02 04 0414577882 05 11/01/02 35 0414577882 O 10/01/32 0 8069065 E22/G02 F 160,000.00 ZZ 360 160,000.00 2 6.875 1,051.09 70 6.625 1,051.09 HAWTHORNE CA 90250 5 09/16/02 00 0414667709 05 11/01/02 0 0414667709 O 10/01/32 0 8069073 E22/G02 F 225,000.00 ZZ 360 225,000.00 1 7.000 1,496.93 75 6.750 1,496.93 RANCHO CUCAMONG CA 91701 5 09/18/02 00 0414702134 05 11/01/02 0 0414702134 N 10/01/32 0 8069087 E22/G02 F 256,000.00 ZZ 360 256,000.00 1 6.375 1,597.11 80 6.125 1,597.11 IRVINE CA 92602 5 09/23/02 00 0414730655 01 11/01/02 0 0414730655 O 10/01/32 0 8069095 E22/G02 F 150,000.00 ZZ 360 150,000.00 1 6.375 935.80 54 6.125 935.80 BELGRADE MT 59714 1 09/23/02 00 0414746248 05 11/01/02 0 0414746248 O 10/01/32 0 8069111 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.500 935.46 80 6.250 935.46 RIO RANCHO NM 87124 2 09/23/02 00 0414830521 05 11/01/02 0 0414830521 O 10/01/32 0 1 8069117 E22/G02 F 124,000.00 T 360 124,000.00 1 6.500 783.76 80 6.250 783.76 ASHEVILLE NC 28801 1 09/27/02 00 0414834812 05 11/01/02 0 0414834812 O 10/01/32 0 8069131 E22/G02 F 221,000.00 ZZ 360 221,000.00 1 6.750 1,433.40 74 6.500 1,433.40 ELK GROVE CA 95624 5 09/19/02 00 0414856500 05 11/01/02 0 0414856500 O 10/01/32 0 8069163 E22/G02 F 233,010.00 ZZ 360 233,010.00 1 7.125 1,569.83 90 6.875 1,569.83 COLORADO SPRING CO 80919 1 09/27/02 01 0414881219 05 11/01/02 25 0414881219 O 10/01/32 0 8069169 E22/G02 F 275,625.00 ZZ 360 275,625.00 4 7.125 1,856.94 75 6.875 1,856.94 PORT HUENEME CA 93041 1 09/20/02 00 0414883892 05 11/01/02 0 0414883892 N 10/01/32 0 8069213 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 7.250 682.18 80 7.000 682.18 PLANO TX 75074 5 09/27/02 00 0414918888 05 11/01/02 0 0414918888 N 10/01/32 0 8069231 E22/G02 F 134,900.00 ZZ 360 134,900.00 1 1 6.750 874.96 95 6.500 874.96 OLATHE KS 66061 5 09/20/02 01 0414935593 05 11/01/02 30 0414935593 O 10/01/32 0 8069247 E22/G02 F 157,500.00 ZZ 360 157,500.00 1 6.375 982.60 65 6.125 982.60 ORTONVILLE MI 48462 5 09/23/02 00 0414948265 05 11/01/02 0 0414948265 O 10/01/32 0 8069251 E22/G02 F 97,800.00 ZZ 360 97,800.00 1 6.500 618.16 60 6.250 618.16 COLORADO SPRING CO 80911 1 09/27/02 00 0414948836 03 11/01/02 0 0414948836 N 10/01/32 0 8069299 E22/G02 F 132,400.00 ZZ 360 132,400.00 1 6.625 847.77 69 6.375 847.77 ACWORTH GA 30102 5 09/23/02 00 0414988659 05 11/01/02 0 0414988659 O 10/01/32 0 8069321 E22/G02 F 93,600.00 ZZ 360 93,600.00 1 6.750 607.09 80 6.500 607.09 BEND OR 97702 1 09/13/02 00 0414997395 05 11/01/02 0 0414997395 N 10/01/32 0 8069325 E22/G02 F 232,000.00 ZZ 360 232,000.00 1 6.875 1,524.07 80 6.625 1,524.07 CORAL SPRINGS FL 33076 5 09/23/02 00 0414999672 03 11/01/02 0 1 0414999672 O 10/01/32 0 8069347 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 7.500 755.15 80 7.250 755.15 NASHUA NH 03060 5 09/20/02 00 0414805663 01 11/01/02 0 0414805663 O 10/01/32 0 8069375 E22/G02 F 99,600.00 ZZ 360 99,600.00 1 6.500 629.54 60 6.250 629.54 COLORADO SPRING CO 80911 1 09/27/02 00 0414933697 03 11/01/02 0 0414933697 N 10/01/32 0 8069385 E22/G02 F 106,125.00 ZZ 360 106,125.00 1 7.375 732.98 75 7.125 732.98 DENVER CO 80239 1 09/27/02 00 0415008309 05 11/01/02 0 0415008309 N 10/01/32 0 8069735 W39/G02 F 138,800.00 ZZ 360 138,800.00 1 6.375 865.93 80 6.125 865.93 HATTIESBURG MS 39402 1 09/25/02 00 0434685723 05 11/01/02 0 LA023670 O 10/01/32 0 8069941 K15/G02 F 100,500.00 ZZ 360 100,500.00 1 6.500 635.23 74 6.250 635.23 MANCHESTER NH 03103 5 09/25/02 00 0434649455 05 11/01/02 0 007605310090 O 10/01/32 0 1 8070117 X72/G02 F 232,600.00 ZZ 360 232,600.00 1 6.375 1,451.12 71 6.125 1,451.12 BOULDER CO 80303 2 09/30/02 00 0434671194 05 11/01/02 0 15019231 N 10/01/32 0 8070141 W02/G02 F 136,000.00 ZZ 360 136,000.00 1 6.625 870.83 93 6.375 870.83 LARGO FL 33774 5 09/17/02 11 0434649620 05 11/01/02 30 1001533511 O 10/01/32 0 8070181 477/G02 F 150,400.00 ZZ 360 150,400.00 1 6.750 975.49 80 6.500 975.49 COLTON OR 97017 5 09/11/02 00 0434655031 05 11/01/02 0 258019 O 10/01/32 0 8070223 W02/G02 F 87,000.00 ZZ 360 87,000.00 3 6.875 571.53 63 6.625 571.53 CLEARWATER FL 33755 5 09/20/02 00 0434649299 05 11/01/02 0 1001446839 N 10/01/32 0 8070225 962/G02 F 76,500.00 ZZ 360 76,500.00 3 7.250 521.86 90 7.000 521.86 FARGO ND 58102 1 09/27/02 14 0434670006 05 11/01/02 25 2002598 N 10/01/32 0 8070617 N47/G02 F 140,000.00 ZZ 360 140,000.00 2 7.125 943.21 80 6.875 943.21 1 TURLOCK CA 95380 2 09/16/02 00 0434715900 05 11/01/02 0 20120845 N 10/01/32 0 8070627 S27/G02 F 110,105.00 ZZ 360 110,105.00 1 7.375 760.47 95 7.125 760.47 PORT SAINT LUCI FL 34952 1 09/23/02 01 0434660098 05 11/01/02 30 10900006418 O 10/01/32 0 8070635 N47/G02 F 140,000.00 ZZ 360 140,000.00 2 7.125 943.21 80 6.875 943.21 TURLOCK CA 95380 2 09/16/02 00 0434699641 05 11/01/02 0 20120844 N 10/01/32 0 8070655 P67/G02 F 268,000.00 ZZ 360 268,000.00 1 6.375 1,671.97 80 6.125 1,671.97 WILMINGTON MA 01887 5 09/25/02 00 0434664306 05 11/01/02 0 1 O 10/01/32 0 8070735 B49/G02 F 194,750.00 ZZ 360 194,750.00 1 6.625 1,247.01 95 6.375 1,247.01 COLORADO SPRING CO 80922 1 09/30/02 11 0434660114 05 11/01/02 30 000266120116 O 10/01/32 0 8070745 K15/G02 F 266,000.00 ZZ 360 266,000.00 1 6.500 1,681.30 80 6.250 1,681.30 HUNTINGTON STAT NY 11746 5 09/18/02 00 0434651345 05 11/01/02 0 020605300024 O 10/01/32 0 1 8071457 K15/G02 F 84,400.00 ZZ 360 84,400.00 1 6.625 540.42 50 6.375 540.42 DENVER CO 80219 5 09/23/02 00 0434649646 05 11/01/02 0 023405300007 O 10/01/32 0 8071695 696/G02 F 143,900.00 ZZ 360 143,900.00 1 6.875 945.32 80 6.625 945.32 SPRINGFIELD VA 22152 1 09/23/02 00 0434704771 01 11/01/02 0 21702220 O 10/01/32 0 8072297 E82/G02 F 152,000.00 ZZ 360 152,000.00 1 6.875 998.53 68 6.625 998.53 SAN DIEGO CA 92128 5 09/25/02 00 0400664645 01 11/01/02 0 0400664645 O 10/01/32 0 8072573 E82/G02 F 94,000.00 ZZ 360 94,000.00 1 6.375 586.44 78 6.125 586.44 DAVENPORT FL 33837 2 09/26/02 00 0400699203 03 11/01/02 0 1929606 O 10/01/32 0 8072577 E82/G02 F 112,100.00 ZZ 360 112,100.00 1 6.750 727.08 78 6.500 727.08 PROVO UT 84606 2 09/30/02 00 0400677290 01 11/01/02 0 3695016 N 10/01/32 0 8072617 E22/G02 F 295,000.00 ZZ 240 295,000.00 1 1 6.750 2,243.07 85 6.500 2,243.07 BILLERICA MA 01821 2 09/25/02 01 0414289215 05 11/01/02 12 0414289215 O 10/01/22 0 8072619 E22/G02 F 113,500.00 ZZ 360 113,500.00 1 6.750 736.16 68 6.500 736.16 PLAINWELL MI 49080 2 09/24/02 00 0414352492 05 11/01/02 0 0414352492 O 10/01/32 0 8072627 E22/G02 F 125,000.00 ZZ 360 125,000.00 1 6.500 790.09 61 6.250 790.09 WESTERLY RI 02891 1 09/30/02 00 0414518662 05 11/01/02 0 0414518662 N 10/01/32 0 8072637 E22/G02 F 114,000.00 ZZ 360 114,000.00 1 7.500 797.10 95 7.250 797.10 TAFT CA 93268 2 09/25/02 01 0414559559 05 11/01/02 30 0414559559 O 10/01/32 0 8072715 E22/G02 F 48,805.00 ZZ 360 48,805.00 1 7.375 337.08 79 7.125 337.08 KALAMAZOO TOWNS MI 49001 1 09/30/02 00 0414749457 05 11/01/02 0 0414749457 N 10/01/32 0 8072717 E22/G02 F 202,000.00 ZZ 360 202,000.00 1 7.375 1,395.16 73 7.125 1,395.16 MACOMB TWP MI 48044 2 09/25/02 00 0414750539 05 11/01/02 0 1 0414750539 O 10/01/32 0 8072761 E22/G02 F 100,000.00 ZZ 360 100,000.00 1 6.500 632.07 64 6.250 632.07 LAINGSBURG MI 48848 5 09/24/02 00 0414798264 05 11/01/02 0 0414798264 O 10/01/32 0 8072821 E22/G02 F 228,000.00 ZZ 360 228,000.00 1 6.750 1,478.80 80 6.500 1,478.80 SEVERNA PARK MD 21146 2 09/25/02 00 0414810242 05 11/01/02 0 0414810242 O 10/01/32 0 8072851 E22/G02 F 87,000.00 ZZ 360 87,000.00 1 6.750 564.28 63 6.500 564.28 COLOMA MI 49038 5 09/25/02 00 0414824516 05 11/01/02 0 0414824516 O 10/01/32 0 8072853 E22/G02 F 135,200.00 ZZ 360 135,200.00 1 6.500 854.56 80 6.250 854.56 ATHENS AL 35613 2 09/25/02 00 0414827014 05 11/01/02 0 0414827014 O 10/01/32 0 8072873 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 6.625 633.91 55 6.375 633.91 PUEBLO CO 81004 2 09/24/02 00 0414835421 05 11/01/02 0 0414835421 O 10/01/32 0 1 8072875 E22/G02 F 53,675.00 ZZ 360 53,675.00 1 6.750 348.14 95 6.500 348.14 HOUSTON TX 77063 1 09/30/02 01 0414835520 01 11/01/02 30 0414835520 O 10/01/32 0 8072881 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 6.375 1,347.56 80 6.125 1,347.56 DRIPPING SPRING TX 78620 5 09/25/02 00 0414838128 05 11/01/02 0 0414838128 O 10/01/32 0 8072883 E22/G02 F 107,500.00 ZZ 360 107,500.00 1 6.750 697.24 64 6.500 697.24 POMPANO BEACH FL 33062 2 09/25/02 00 0414839134 06 11/01/02 0 0414839134 O 10/01/32 0 8072885 E22/G02 F 245,000.00 ZZ 360 245,000.00 3 7.750 1,755.21 70 7.500 1,755.21 RICHMOND CA 94804 5 09/24/02 00 0414839514 05 11/01/02 0 0414839514 N 10/01/32 0 8072889 E22/G02 F 98,000.00 ZZ 360 98,000.00 1 6.750 635.63 70 6.500 635.63 LOS OSOS CA 93402 1 09/23/02 00 0414840686 01 11/01/02 0 0414840686 N 10/01/32 0 8072901 E22/G02 F 240,000.00 ZZ 360 240,000.00 2 6.875 1,576.63 80 6.625 1,576.63 1 ELIZABETH NJ 07208 1 09/30/02 00 0414846014 05 11/01/02 0 0414846014 O 10/01/32 0 8072909 E22/G02 F 77,400.00 ZZ 360 77,400.00 1 6.375 482.88 90 6.125 482.88 CHARLOTTE NC 28226 2 09/24/02 10 0414846683 01 11/01/02 25 0414846683 O 10/01/32 0 8072913 E22/G02 F 112,000.00 ZZ 360 112,000.00 1 6.500 707.92 56 6.250 707.92 ALBUQUERQUE NM 87104 2 09/25/02 00 0414849919 05 11/01/02 0 0414849919 O 10/01/32 0 8072915 E22/G02 F 130,055.00 ZZ 360 130,055.00 3 7.000 865.26 95 6.750 865.26 GRETNA LA 70053 1 09/30/02 04 0414850479 05 11/01/02 30 0414850479 O 10/01/32 0 8072941 E22/G02 F 133,000.00 ZZ 360 133,000.00 1 7.125 896.05 65 6.875 896.05 JOHNSTOWN CO 80534 1 09/30/02 00 0414865121 03 11/01/02 0 0414865121 N 10/01/32 0 8072949 E22/G02 F 134,000.00 ZZ 360 134,000.00 1 7.125 902.78 66 6.875 902.78 JOHNSTOWN CO 80534 1 09/30/02 00 0414867069 03 11/01/02 0 0414867069 N 10/01/32 0 1 8072979 E22/G02 F 152,000.00 ZZ 360 152,000.00 1 6.750 985.87 80 6.500 985.87 HOUSTON TX 77009 5 09/25/02 00 0414880146 05 11/01/02 0 0414880146 O 10/01/32 0 8073019 E22/G02 F 195,000.00 ZZ 360 195,000.00 1 6.625 1,248.61 72 6.375 1,248.61 CHINO HILLS CA 91709 5 09/22/02 00 0414883611 05 11/01/02 0 0414883611 O 10/01/32 0 8073041 E22/G02 F 120,550.00 ZZ 360 120,550.00 1 7.250 822.36 56 7.000 822.36 ROUND ROCK TX 78664 5 09/25/02 00 0414896563 05 11/01/02 0 0414896563 O 10/01/32 0 8073055 E22/G02 F 124,300.00 ZZ 360 124,300.00 1 6.625 795.91 70 6.375 795.91 SAGINAW MI 48603 2 09/24/02 00 0414902734 05 11/01/02 0 0414902734 O 10/01/32 0 8073061 E22/G02 F 258,875.00 ZZ 360 258,875.00 1 7.375 1,787.99 95 7.125 1,787.99 BALDWIN NY 11510 1 09/30/02 04 0414904920 05 11/01/02 35 0414904920 O 10/01/32 0 8073069 E22/G02 F 204,000.00 ZZ 360 204,000.00 1 1 6.375 1,272.69 67 6.125 1,272.69 OSPREY FL 34229 5 09/25/02 00 0414907857 05 11/01/02 0 0414907857 O 10/01/32 0 8073099 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.875 1,024.81 76 6.625 1,024.81 HOLBROOK NY 11741 5 09/24/02 00 0414917682 05 11/01/02 0 0414917682 O 10/01/32 0 8073111 E22/G02 F 124,000.00 ZZ 360 124,000.00 1 6.500 783.76 80 6.250 783.76 RIVERSIDE CA 92503 1 09/24/02 00 0414920488 05 11/01/02 0 0414920488 N 10/01/32 0 8073143 E22/G02 F 141,950.00 ZZ 360 141,950.00 1 6.375 885.58 85 6.125 885.58 BENNET NE 68317 2 09/24/02 04 0414927475 05 11/01/02 12 0414927475 O 10/01/32 0 8073175 E22/G02 F 64,000.00 ZZ 360 64,000.00 2 7.000 425.79 80 6.750 425.79 MARIETTA GA 30060 1 09/30/02 00 0414935072 05 11/01/02 0 0414935072 N 10/01/32 0 8073183 E22/G02 F 238,000.00 ZZ 360 238,000.00 1 6.375 1,484.81 85 6.125 1,484.81 CITRUS HEIGHTS CA 95621 5 09/24/02 01 0414936658 05 11/01/02 12 1 0414936658 O 10/01/32 0 8073209 E22/G02 F 244,112.00 ZZ 360 244,112.00 1 6.750 1,583.31 80 6.500 1,583.31 GAITHERSBURG MD 20878 1 09/30/02 00 0414944942 09 11/01/02 0 0414944942 O 10/01/32 0 8073221 E22/G02 F 133,000.00 ZZ 360 133,000.00 1 7.250 907.29 72 7.000 907.29 ROYAL PALM BEAC FL 33411 5 09/24/02 00 0414946319 05 11/01/02 0 0414946319 O 10/01/32 0 8073349 E22/G02 F 216,000.00 ZZ 360 216,000.00 1 6.500 1,365.27 80 6.250 1,365.27 SACRAMENTO CA 95818 5 09/20/02 00 0414975565 05 11/01/02 0 0414975565 O 10/01/32 0 8073363 E22/G02 F 48,000.00 ZZ 360 48,000.00 1 7.250 327.44 80 7.000 327.44 DAYTON OH 45405 1 09/30/02 00 0414976829 05 11/01/02 0 0414976829 N 10/01/32 0 8073367 E22/G02 F 37,600.00 ZZ 360 37,600.00 1 7.250 256.50 80 7.000 256.50 DAYTON OH 45405 1 09/30/02 00 0414977967 05 11/01/02 0 0414977967 N 10/01/32 0 1 8073379 E22/G02 F 86,500.00 ZZ 360 86,500.00 1 6.875 568.24 95 6.625 568.24 CHATTANOOGA TN 37412 5 09/25/02 10 0414980029 05 11/01/02 30 0414980029 O 10/01/32 0 8073389 E22/G02 F 96,800.00 ZZ 360 96,800.00 1 6.500 611.84 80 6.250 611.84 AUSTIN TX 78745 5 09/25/02 00 0414985143 05 11/01/02 0 0414985143 O 10/01/32 0 8073397 E22/G02 F 88,500.00 ZZ 360 88,500.00 1 6.375 552.12 57 6.125 552.12 CORAL SPRINGS FL 33065 2 09/25/02 00 0414987024 05 11/01/02 0 0414987024 O 10/01/32 0 8073437 E22/G02 F 94,400.00 ZZ 360 94,400.00 1 7.250 643.97 80 7.000 643.97 PUEBLO CO 81008 1 09/30/02 00 0415000702 05 11/01/02 0 0415000702 N 10/01/32 0 8073445 E22/G02 F 116,000.00 ZZ 360 116,000.00 1 6.500 733.20 80 6.250 733.20 PLANTATION FL 33324 1 09/30/02 00 0415007244 09 11/01/02 0 0415007244 N 10/01/32 0 8073451 E22/G02 F 292,000.00 ZZ 360 292,000.00 1 6.750 1,893.91 80 6.500 1,893.91 1 VALLEJO CA 94591 5 09/23/02 00 0415007707 05 11/01/02 0 0415007707 O 10/01/32 0 8073461 E22/G02 F 250,000.00 ZZ 360 250,000.00 1 6.375 1,559.67 71 6.125 1,559.67 CARY NC 27511 2 09/25/02 00 0415012053 05 11/01/02 0 0415012053 O 10/01/32 0 8073473 E22/G02 F 94,600.00 ZZ 360 94,600.00 2 7.250 645.34 80 7.000 645.34 FRESNO CA 93703 1 09/24/02 00 0415017730 05 11/01/02 0 0415017730 N 10/01/32 0 8073481 E22/G02 F 102,750.00 ZZ 360 102,750.00 1 7.250 700.94 75 7.000 700.94 PUEBLO CO 81001 5 09/30/02 00 0415025311 05 11/01/02 0 0415025311 N 10/01/32 0 8073501 E22/G02 F 93,000.00 ZZ 360 93,000.00 1 7.375 642.33 75 7.125 642.33 PUEBLO CO 81001 5 09/30/02 00 0415042365 05 11/01/02 0 0415042365 N 10/01/32 0 8073503 E22/G02 F 101,600.00 ZZ 360 101,600.00 1 7.375 701.73 80 7.125 701.73 PUEBLO CO 81001 1 09/30/02 00 0415042415 05 11/01/02 0 0415042415 N 10/01/32 0 1 8073509 E22/G02 F 236,000.00 ZZ 360 236,000.00 1 6.625 1,511.13 80 6.375 1,511.13 RONKONKOMA NY 11779 5 09/25/02 00 0415047240 05 11/01/02 0 0415047240 O 10/01/32 0 8073525 E22/G02 F 110,400.00 ZZ 360 110,400.00 1 7.250 753.12 80 7.000 753.12 PUEBLO CO 81005 1 09/30/02 00 0415064955 05 11/01/02 0 0415064955 N 10/01/32 0 8073535 E22/G02 F 260,000.00 ZZ 360 260,000.00 1 6.500 1,643.38 58 6.250 1,643.38 WOBURN MA 01801 5 09/25/02 00 0415077361 05 11/01/02 0 0415077361 O 10/01/32 0 8073543 E22/G02 F 355,000.00 ZZ 360 355,000.00 2 6.500 2,243.84 79 6.250 2,243.84 CARLSTADT NJ 07072 1 09/30/02 00 0415087469 05 11/01/02 0 0415087469 O 10/01/32 0 8073613 E47/G02 F 120,000.00 ZZ 360 120,000.00 1 6.500 758.48 80 6.250 758.48 ELIZABETH CO 80107 1 09/18/02 00 0434684858 05 11/01/02 0 7332021349 N 10/01/32 0 8073623 S43/G02 F 88,000.00 ZZ 360 88,000.00 1 1 6.750 570.77 70 6.500 570.77 ALBUQUERQUE NM 87107 2 09/26/02 00 0434659918 05 11/01/02 0 020613 N 10/01/32 0 8073631 X67/G02 F 215,000.00 ZZ 360 215,000.00 1 6.125 1,306.36 71 5.875 1,306.36 HACIENDA HEIGH CA 91745 2 09/11/02 00 0434669685 05 11/01/02 0 00269345 N 10/01/32 0 8073701 X80/G02 F 261,000.00 ZZ 360 261,000.00 4 6.375 1,628.30 90 6.125 1,628.30 SACRAMENTO CA 95821 1 09/10/02 11 0434684528 05 11/01/02 25 1410051113 N 10/01/32 0 8073835 B43/G02 F 300,000.00 ZZ 360 300,000.00 1 6.500 1,896.20 75 6.250 1,896.20 PADUCAH KY 42001 5 09/18/02 00 0434676706 05 11/01/02 0 28739 O 10/01/32 0 8073839 X75/G02 F 255,000.00 ZZ 360 255,000.00 1 6.875 1,675.17 82 6.625 1,675.17 SALIDA CA 95368 5 09/16/02 10 0434666723 05 11/01/02 12 02080211 O 10/01/32 0 8073857 B39/G02 F 276,500.00 ZZ 360 276,500.00 1 6.750 1,793.37 76 6.500 1,793.37 ST. PAUL MN 55104 5 09/23/02 00 0434650339 05 11/01/02 0 1 20022328F O 10/01/32 0 8073859 P44/G02 F 240,000.00 ZZ 360 240,000.00 2 6.375 1,497.29 80 6.125 1,497.29 DENNIS (DENNISP MA 02639 1 09/30/02 00 0434698908 05 11/01/02 0 0011982 N 10/01/32 0 8074155 N74/G02 F 88,000.00 ZZ 360 88,000.00 1 6.500 556.22 93 6.250 556.22 SHERWOOD AR 72120 2 09/24/02 10 0434648291 05 11/01/02 30 0030772010 O 10/01/32 0 8074167 N74/G02 F 72,000.00 ZZ 360 72,000.00 1 6.500 455.09 78 6.250 455.09 CLIMAX NC 27233 2 09/23/02 00 0434650933 05 11/01/02 0 0030761010 O 10/01/32 0 8074221 M37/G02 F 132,400.00 ZZ 360 132,400.00 1 6.375 826.00 80 6.125 826.00 SCOTTSDALE AZ 85250 1 09/12/02 00 0434669776 05 11/01/02 0 608938 O 10/01/32 0 8074249 W93/G02 F 112,000.00 ZZ 360 112,000.00 1 6.750 726.43 80 6.500 726.43 PHOENIX AZ 85022 1 09/19/02 00 0434652251 01 11/01/02 0 35414352 O 10/01/32 0 1 8074263 N74/G02 F 165,500.00 ZZ 360 165,500.00 1 6.375 1,032.50 92 6.125 1,032.50 WHISPERING PINE NC 28327 2 09/23/02 10 0434655007 05 11/01/02 30 0030748010 O 10/01/32 0 8074293 L20/G02 F 141,000.00 ZZ 360 141,000.00 1 6.750 914.52 77 6.500 914.52 MERIDIAN ID 83642 2 09/26/02 00 0434669347 03 11/01/02 0 703153 N 10/01/32 0 8074331 E47/G02 F 232,000.00 ZZ 360 232,000.00 1 6.500 1,466.40 80 6.250 1,466.40 SAN JOSE CA 95111 2 09/09/02 00 0434675682 01 11/01/02 0 7333012522 O 10/01/32 0 8074433 N74/G02 F 45,200.00 ZZ 360 45,162.95 1 7.000 300.72 80 6.750 300.72 MAUMELLE AR 72113 2 09/27/02 00 0434648002 07 10/27/02 0 0030821010 N 09/27/32 0 8074579 253/253 F 112,800.00 ZZ 360 112,800.00 1 6.375 703.73 80 6.125 703.73 BEECH GROVE IN 46107 1 09/16/02 00 997982 05 11/01/02 0 997982 O 10/01/32 0 8074817 K79/G02 F 199,500.00 ZZ 360 199,500.00 1 7.375 1,377.90 73 7.125 1,377.90 1 DANVERS MA 01923 2 09/16/02 00 0434705844 01 11/01/02 0 14971 O 10/01/32 0 8074861 L20/G02 F 89,010.00 ZZ 360 89,010.00 1 6.625 569.94 90 6.375 569.94 BOISE ID 83700 1 09/26/02 12 0434669289 05 11/01/02 25 1151050004 O 10/01/32 0 8075091 E82/G02 F 75,000.00 ZZ 360 75,000.00 3 7.000 498.98 75 6.750 498.98 WEST MILTON OH 45383 2 09/30/02 00 0400698296 05 11/01/02 0 1683210 N 10/01/32 0 8075105 E82/G02 F 44,000.00 ZZ 360 44,000.00 1 7.375 303.90 80 7.125 303.90 CRESTVIEW FL 32536 5 09/30/02 00 0400689139 05 11/01/02 0 0400689139 N 10/01/32 0 8075267 E82/G02 F 141,800.00 ZZ 360 141,800.00 4 6.625 907.96 86 6.375 907.96 FOREST JUNCTION WI 54123 2 09/12/02 04 0400674719 05 11/01/02 25 1988389 O 10/01/32 0 8075277 E82/G02 F 110,400.00 ZZ 360 110,400.00 3 7.375 762.51 67 7.125 762.51 HARTFORD CT 06114 2 09/24/02 00 0400668794 05 11/01/02 0 4138359 N 10/01/32 0 1 8075287 L20/G02 F 163,920.00 ZZ 360 163,920.00 1 6.375 1,022.65 80 6.125 1,022.65 BOISE ID 83713 1 09/27/02 00 0434668539 03 11/01/02 0 1151120082 O 10/01/32 0 8075463 E22/G02 F 112,500.00 ZZ 360 112,500.00 4 6.875 739.04 90 6.625 739.04 AZTEC NM 87410 1 10/01/02 04 0414594796 05 11/01/02 25 0414594796 N 10/01/32 0 8075499 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.375 1,497.29 80 6.125 1,497.29 LA(NORTHRIDGE) CA 91325 5 09/24/02 00 0414784850 05 11/01/02 0 0414784850 O 10/01/32 0 8075503 E22/G02 F 132,000.00 ZZ 360 132,000.00 1 6.625 845.21 44 6.375 845.21 IRVINE CA 92612 2 09/18/02 00 0414795104 09 11/01/02 0 0414795104 N 10/01/32 0 8075549 E22/G02 F 221,000.00 ZZ 360 221,000.00 1 6.375 1,378.75 46 6.125 1,378.75 ROSEVILLE CA 95661 2 09/14/02 00 0414871301 03 11/01/02 0 0414871301 O 10/01/32 0 8075579 E22/G02 F 131,200.00 ZZ 360 131,200.00 1 1 6.875 861.89 80 6.625 861.89 SARASOTA FL 34237 2 09/26/02 00 0414916700 05 11/01/02 0 0414916700 O 10/01/32 0 8075595 E22/G02 F 160,110.00 ZZ 360 160,110.00 1 6.750 1,038.47 90 6.500 1,038.47 CENTERVILLE UT 84014 1 09/27/02 01 0414940460 05 11/01/02 30 0414940460 O 10/01/32 0 8075607 E22/G02 F 144,000.00 ZZ 360 144,000.00 1 6.625 922.05 90 6.375 922.05 WHEELING IL 60090 1 10/01/02 01 0414948638 05 11/01/02 25 0414948638 N 10/01/32 0 8075631 E22/G02 F 68,000.00 ZZ 360 68,000.00 1 6.875 446.71 80 6.625 446.71 HOUSTON TX 77084 5 09/26/02 00 0414971309 03 11/01/02 0 0414971309 O 10/01/32 0 8075659 E22/G02 F 190,106.00 ZZ 360 190,106.00 4 6.625 1,217.27 90 6.375 1,217.27 BOISE ID 83702 1 09/25/02 04 0415005230 05 11/01/02 25 0415005230 N 10/01/32 0 8075681 E22/G02 F 103,200.00 ZZ 360 103,200.00 1 6.750 669.35 80 6.500 669.35 MOUNT CLEMENS MI 48043 2 09/26/02 00 0415027531 05 11/01/02 0 1 0415027531 O 10/01/32 0 8075823 R26/G02 F 100,000.00 ZZ 360 100,000.00 1 6.375 623.87 58 6.125 623.87 BROCKTON MA 02302 5 09/20/02 00 0434669941 05 11/01/02 0 003786 O 10/01/32 0 8075827 E57/G02 F 222,000.00 ZZ 360 222,000.00 1 6.750 1,439.89 70 6.500 1,439.89 WESTMINSTER CA 92683 2 09/23/02 00 0434690871 05 11/01/02 0 05000647 O 10/01/32 0 8076621 U05/G02 F 259,000.00 ZZ 360 259,000.00 1 6.500 1,637.06 80 6.250 1,637.06 TEMECULA CA 92592 5 09/17/02 00 0434673661 03 11/01/02 0 3260844 O 10/01/32 0 8076651 P09/G02 F 261,000.00 ZZ 360 261,000.00 1 6.375 1,628.30 60 6.125 1,628.30 CLIFTON VA 20124 5 09/27/02 00 0434669594 05 11/01/02 0 R0208560 O 10/01/32 0 8076659 P30/G02 F 148,500.00 ZZ 360 148,500.00 1 6.750 963.17 90 6.500 963.17 WEAVERVILLE NC 28787 1 09/27/02 11 0434669586 05 11/01/02 25 0609917 O 10/01/32 0 1 8076663 X82/G02 F 251,000.00 ZZ 360 251,000.00 1 7.000 1,669.91 90 6.750 1,669.91 HAYMARKET VA 20169 1 09/26/02 12 0434685764 03 11/01/02 25 839679 N 10/01/32 0 8076753 Q14/G02 F 93,000.00 ZZ 360 93,000.00 1 6.875 610.94 79 6.625 610.94 LANSING MI 48910 5 09/25/02 00 0434651261 05 11/01/02 0 02-09098 O 10/01/32 0 8076757 H58/G02 F 272,800.00 ZZ 360 272,800.00 1 6.750 1,769.38 80 6.500 1,769.38 GRASS VALLEY CA 95949 2 09/13/02 00 0434663290 05 11/01/02 0 0000110021 O 10/01/32 0 8076777 G34/G02 F 118,000.00 ZZ 360 118,000.00 1 7.000 785.06 61 6.750 785.06 PACOIMA CA 91331 5 09/19/02 00 0434674149 05 11/01/02 0 41000246 N 10/01/32 0 8076933 313/G02 F 90,250.00 ZZ 360 90,250.00 1 7.000 600.44 95 6.750 600.44 EL MIRAGE AZ 85335 5 09/17/02 11 0434685350 05 11/01/02 30 0008983843 O 10/01/32 0 8076949 313/G02 F 105,600.00 ZZ 360 105,600.00 1 6.500 667.47 80 6.250 667.47 1 MESA AZ 85204 1 09/25/02 00 0434659843 05 11/01/02 0 9024498 N 10/01/32 0 8077127 F62/F62 F 84,000.00 ZZ 360 84,000.00 1 7.250 573.03 80 7.000 573.03 POMPANO BEACH FL 33069 1 09/23/02 00 28714 01 11/01/02 0 28714 N 10/01/32 0 8077171 R84/G02 F 130,000.00 ZZ 360 129,879.60 2 6.375 811.03 73 6.125 811.03 OLYMPIA WA 98513 2 08/16/02 00 0434703211 05 10/01/02 0 WA800245 N 09/01/32 0 8077179 R84/G02 F 130,000.00 ZZ 360 129,879.60 2 6.375 811.03 73 6.125 811.03 OLYMPIA WA 98513 2 08/16/02 00 0434703278 05 10/01/02 0 WA800238 N 09/01/32 0 8077181 G34/G02 F 175,500.00 ZZ 360 175,500.00 1 6.875 1,152.91 90 6.625 1,152.91 LAS VEGAS NV 89117 1 09/26/02 01 0434675351 03 11/01/02 30 39012148 N 10/01/32 0 1 8077893 T44/G02 F 142,000.00 ZZ 360 142,000.00 1 6.750 921.01 51 6.500 921.01 SEATTLE WA 98115 2 09/12/02 00 0434675203 05 11/01/02 0 1051529 N 10/01/32 0 8078635 W02/G02 F 157,000.00 ZZ 360 157,000.00 1 6.625 1,005.29 89 6.375 1,005.29 PLANTATION FL 33317 5 09/24/02 12 0434678843 05 11/01/02 25 1001526186 O 10/01/32 0 8078739 E22/G02 F 360,000.00 ZZ 360 360,000.00 2 6.625 2,305.12 43 6.375 2,305.12 SAN FRANCISCO CA 94114 5 09/18/02 00 0414839217 05 11/01/02 0 0414839217 O 10/01/32 0 8078749 E22/G02 F 227,000.00 ZZ 360 227,000.00 1 6.500 1,434.79 80 6.250 1,434.79 BOULDER CO 80303 1 10/01/02 00 0414873117 05 11/01/02 0 0414873117 O 10/01/32 0 8078763 E22/G02 F 284,000.00 ZZ 360 284,000.00 1 6.375 1,771.79 80 6.125 1,771.79 WINCHESTER CT 06094 1 10/02/02 00 0414878900 05 11/01/02 0 0414878900 O 10/01/32 0 8078779 E22/G02 F 43,000.00 ZZ 360 43,000.00 1 1 7.250 293.34 56 7.000 293.34 PUEBLO CO 81003 2 10/02/02 00 0414906909 05 11/01/02 0 0414906909 N 10/01/32 0 8078795 E22/G02 F 140,000.00 ZZ 360 140,000.00 1 6.500 884.90 80 6.250 884.90 BELLEVILLE MI 48111 1 10/02/02 00 0415125384 05 11/01/02 0 0415125384 O 10/01/32 0 8078865 E22/G02 F 162,000.00 ZZ 360 162,000.00 1 6.750 1,050.73 66 6.500 1,050.73 RANDOLPH MA 02368 1 10/02/02 00 0414947150 05 11/01/02 0 0414947150 N 10/01/32 0 8078903 E22/G02 F 83,500.00 ZZ 360 83,500.00 1 6.500 527.78 62 6.250 527.78 EUGENE OR 97404 2 09/25/02 00 0414964791 05 11/01/02 0 0414964791 N 10/01/32 0 8078905 E22/G02 F 84,500.00 ZZ 360 84,500.00 1 6.625 541.06 63 6.375 541.06 EUGENE OR 97401 2 09/25/02 00 0414964932 07 11/01/02 0 0414964932 N 10/01/32 0 8078915 E22/G02 F 165,750.00 ZZ 360 165,750.00 4 7.000 1,102.74 85 6.750 1,102.74 MOUNTAIN HOME ID 83634 2 09/25/02 04 0414985283 05 11/01/02 25 1 0414985283 N 10/01/32 0 8078951 E22/G02 F 252,000.00 ZZ 360 252,000.00 1 6.625 1,613.58 79 6.375 1,613.58 AUSTIN TX 78705 5 09/25/02 00 0415018944 05 11/01/02 0 0415018944 O 10/01/32 0 8078991 E22/G02 F 240,000.00 ZZ 360 240,000.00 1 6.500 1,516.96 80 6.250 1,516.96 WASHOUGAL WA 98671 5 09/26/02 00 0415054493 05 11/01/02 0 0415054493 O 10/01/32 0 8079001 E22/G02 F 165,750.00 ZZ 360 165,750.00 4 7.000 1,102.74 85 6.750 1,102.74 MOUNTAIN HOME ID 83647 2 09/25/02 04 0415058239 05 11/01/02 25 0415058239 N 10/01/32 0 8079003 E22/G02 F 165,750.00 ZZ 360 165,750.00 4 7.000 1,102.74 85 6.750 1,102.74 MOUNTAIN HOME ID 83647 2 09/25/02 04 0415058270 05 11/01/02 25 0415058270 N 10/01/32 0 8079005 E22/G02 F 165,750.00 ZZ 360 165,750.00 4 7.000 1,102.74 85 6.750 1,102.74 MOUNTAIN HOME ID 83647 2 09/25/02 04 0415058437 05 11/01/02 25 0415058437 N 10/01/32 0 1 8080435 K79/G02 F 236,800.00 ZZ 360 236,800.00 3 6.750 1,535.88 79 6.500 1,535.88 TAUNTON MA 02780 2 10/02/02 00 0434696266 05 11/01/02 0 15278 N 10/01/32 0 8080975 A06/G02 F 289,600.00 ZZ 360 289,600.00 1 6.875 1,902.47 80 6.625 1,902.47 LAPEER MI 48446 2 09/26/02 00 0434671798 05 11/01/02 0 1000020222582 O 10/01/32 0 8081133 893/G02 F 263,200.00 ZZ 360 263,200.00 1 6.250 1,620.57 80 6.000 1,620.57 HAYWARD CA 94544 5 09/20/02 00 0434693867 05 11/01/02 0 M20911071 O 10/01/32 0 8081147 W50/G02 F 103,500.00 ZZ 360 103,500.00 1 7.250 706.05 90 7.000 706.05 MINNEAPOLIS MN 55411 1 09/25/02 01 0434689915 05 11/01/02 30 0021194 N 10/01/32 0 8081617 225/G02 F 284,000.00 ZZ 360 283,533.06 1 7.000 1,889.46 80 6.750 1,889.46 CARBONADO WA 98323 1 07/29/02 00 0434655494 05 09/01/02 0 007373684 O 08/01/32 0 8081667 225/G02 F 131,000.00 ZZ 360 130,884.42 1 6.625 838.81 80 6.375 838.81 1 EASLEY SC 29642 2 08/15/02 00 0434656724 05 10/01/02 0 007387979 O 09/01/32 0 8081755 225/G02 F 171,000.00 ZZ 360 170,873.09 2 7.500 1,195.66 88 7.250 1,195.66 WINDHAM ME 04062 1 08/16/02 14 0434653242 05 10/01/02 25 007394285 N 09/01/32 0 8081761 225/G02 F 348,000.00 ZZ 360 346,019.43 3 7.875 2,523.24 80 7.625 2,523.24 LOS ANGELES CA 90028 1 07/23/02 00 0434653275 05 09/01/02 0 007381311 N 08/01/32 0 8081765 225/G02 F 171,000.00 ZZ 360 170,685.23 3 7.500 1,195.66 90 7.250 1,195.66 PROVIDENCE RI 02908 1 08/02/02 14 0434655569 05 09/01/02 25 007385508 N 08/01/32 0 8081767 225/G02 F 207,900.00 ZZ 360 207,745.71 4 7.500 1,453.67 70 7.250 1,453.67 JERSEY CITY NJ 07306 1 08/29/02 00 0434655536 05 10/01/02 0 006594237 N 09/01/32 0 8081777 225/G02 F 162,000.00 ZZ 360 161,257.23 4 7.500 1,132.73 90 7.250 1,132.73 SCOTTSDALE AZ 85251 1 07/29/02 14 0434653846 05 09/01/02 25 007385061 N 08/01/32 0 1 8081779 225/G02 F 162,000.00 ZZ 360 161,258.03 4 7.500 1,132.73 90 7.250 1,132.73 SCOTTSDALE AZ 85251 1 07/29/02 14 0434653838 05 09/01/02 25 007385072 N 08/01/32 0 8081791 225/G02 F 270,000.00 ZZ 360 269,799.62 4 7.500 1,887.88 89 7.250 1,887.88 PHOENIX AZ 85018 2 08/19/02 10 0434655635 05 10/01/02 25 007391468 N 09/01/32 0 8081833 K15/G02 F 102,500.00 ZZ 360 102,500.00 1 6.875 673.35 82 6.625 673.35 SAINT FRANCIS MN 55070 5 09/25/02 41 0434667390 05 11/01/02 12 013105503562 O 10/01/32 0 8081859 Q57/G02 F 429,250.00 ZZ 360 429,250.00 4 6.750 2,784.11 85 6.500 2,784.11 BROOKFIELD IL 60513 1 09/27/02 14 0434686671 05 11/01/02 25 36001154 O 10/01/32 0 8082435 E82/G02 F 122,350.00 ZZ 360 122,350.00 1 6.500 773.34 80 6.250 773.34 BERWYN PA 19312 2 09/30/02 00 0400688594 05 11/01/02 0 1756922 O 10/01/32 0 8082633 477/G02 F 85,500.00 ZZ 360 85,500.00 1 1 7.375 590.53 90 7.125 590.53 TEMPE AZ 85282 1 09/24/02 04 0434676540 01 11/01/02 25 238052 N 10/01/32 0 8082681 E22/G02 F 220,500.00 ZZ 360 220,500.00 1 6.750 1,430.16 70 6.500 1,430.16 SCOTTSDALE AZ 85254 5 09/18/02 00 0414201558 05 11/01/02 0 0414201558 O 10/01/32 0 8082735 E22/G02 F 95,900.00 ZZ 360 95,900.00 1 6.500 606.15 54 6.250 606.15 DAVIE FL 33325 5 09/27/02 00 0414807453 03 11/01/02 0 0414807453 O 10/01/32 0 8082813 E22/G02 F 61,155.00 ZZ 360 61,155.00 4 7.500 427.60 90 7.250 427.60 KANSAS CITY MO 64127 1 10/02/02 01 0414991547 05 11/01/02 25 0414991547 N 10/01/32 0 8083017 477/G02 F 304,000.00 ZZ 360 304,000.00 3 7.125 2,048.10 80 6.875 2,048.10 BELLFLOWER CA 90706 1 09/16/02 00 0434649166 05 11/01/02 0 233938 N 10/01/32 0 8083031 S27/G02 F 138,800.00 ZZ 360 138,800.00 1 6.375 865.94 80 6.125 865.94 SEVIERVILLE TN 37876 2 09/27/02 00 0434689394 05 11/01/02 0 1 1900000045 N 10/01/32 0 8083219 G18/G02 F 157,500.00 ZZ 360 157,500.00 1 6.750 1,021.54 90 6.500 1,021.54 BLOOMINGTON MN 55431 1 09/30/02 12 0434689295 05 11/01/02 25 01DW00204300 N 10/01/32 0 8083223 P27/G02 F 83,500.00 ZZ 360 83,500.00 1 7.375 576.71 95 7.125 576.71 PORT RICHEY FL 34668 5 09/17/02 01 0434696910 05 11/01/02 30 IF65735 O 10/01/32 0 8083597 737/G02 F 77,700.00 ZZ 360 77,700.00 1 6.875 510.43 99 6.625 510.43 WELLFORD SC 29385 2 09/24/02 01 0434705257 05 11/01/02 35 2077324 O 10/01/32 0 8083653 737/G02 F 82,600.00 ZZ 360 82,600.00 1 6.625 528.90 90 6.375 528.90 GARLAND TX 75042 1 09/27/02 01 0434710901 05 11/01/02 25 2084966 N 10/01/32 0 8083855 M27/G02 F 140,000.00 ZZ 360 140,000.00 2 7.125 943.21 80 6.875 943.21 SAVANNAH GA 31401 1 09/19/02 00 0434667697 05 11/01/02 0 5000074061 N 10/01/32 0 1 8083969 N47/G02 F 219,000.00 ZZ 360 219,000.00 1 6.750 1,420.43 61 6.500 1,420.43 SAN DIEGO CA 92124 2 09/13/02 00 0434724662 03 11/01/02 0 30122456 O 10/01/32 0 8084323 696/G02 F 268,000.00 ZZ 360 268,000.00 1 6.375 1,671.97 80 6.125 1,671.97 KENSINGTON MD 20895 5 09/27/02 00 0434670790 05 11/01/02 0 32702182 O 10/01/32 0 8084495 E11/G02 F 203,000.00 ZZ 360 203,000.00 1 6.500 1,283.10 70 6.250 1,283.10 APPLE VALLEY MN 55124 1 09/30/02 00 0434687455 09 11/01/02 0 0002001046337 O 10/01/32 0 8084551 E76/G02 F 108,750.00 ZZ 360 108,750.00 1 6.875 714.41 75 6.625 714.41 AURORA CO 80010 1 09/26/02 00 0434673596 05 11/01/02 0 10014816 N 10/01/32 0 8084701 E47/G02 F 150,000.00 ZZ 240 150,000.00 1 7.000 1,162.95 78 6.750 1,162.95 GLENDALE HEIGHT IL 60139 2 09/20/02 00 0434681771 05 11/01/02 0 7360514328 O 10/01/22 0 8084729 E47/G02 F 112,400.00 ZZ 360 112,400.00 2 6.500 710.44 80 6.250 710.44 1 CHICAGO IL 60621 1 09/24/02 00 0434694519 05 11/01/02 0 7360514222 N 10/01/32 0 8084771 S27/G02 F 60,000.00 ZZ 360 60,000.00 1 7.250 409.31 65 7.000 409.31 DETROIT MI 48227 5 09/23/02 00 0434714861 05 11/01/02 0 1830001999 N 10/01/32 0 8084853 313/G02 F 102,600.00 ZZ 360 102,600.00 1 6.750 665.47 90 6.500 665.47 APACHE JUNCTION AZ 85220 1 09/26/02 12 0434690186 05 11/01/02 25 0009035650 N 10/01/32 0 8084859 F60/G02 F 249,850.00 ZZ 360 249,850.00 1 6.375 1,558.74 95 6.125 1,558.74 NEW ORLEANS LA 70124 1 09/20/02 04 0434689584 05 11/01/02 30 447458 O 10/01/32 0 8084867 E47/G02 F 92,000.00 ZZ 360 92,000.00 1 7.500 643.28 80 7.250 643.28 SACRAMENTO CA 95822 1 09/13/02 00 0434689857 05 11/01/02 0 7333012516 N 10/01/32 0 8085143 W39/G02 F 92,000.00 ZZ 360 92,000.00 1 6.375 573.96 80 6.125 573.96 HATTIESBURG MS 39402 1 09/27/02 00 0434710133 05 11/01/02 0 LA023555 O 10/01/32 0 1 8085163 U05/G02 F 216,000.00 ZZ 360 216,000.00 2 6.000 1,295.03 48 5.750 1,295.03 LONG BEACH CA 90803 2 09/23/02 00 0434688412 05 11/01/02 0 3262153 O 10/01/32 0 8085181 642/G02 F 60,000.00 ZZ 360 60,000.00 1 7.500 419.53 75 7.250 419.53 MESA AZ 85201 5 09/27/02 00 0434694170 09 11/01/02 0 09172002 N 10/01/32 0 8085187 U05/G02 F 250,000.00 ZZ 360 250,000.00 1 6.875 1,642.32 63 6.625 1,642.32 AUSTIN TX 78731 5 09/20/02 00 0434693172 05 11/01/02 0 3259623 O 10/01/32 0 8086153 E22/G02 F 157,500.00 ZZ 360 157,500.00 1 6.750 1,021.54 75 6.500 1,021.54 FRANKLIN NJ 08873 5 09/30/02 00 0414966051 01 11/01/02 0 0414966051 O 10/01/32 0 8086177 E22/G02 F 164,000.00 ZZ 360 164,000.00 1 6.875 1,077.36 77 6.625 1,077.36 EAST POINT GA 30344 2 10/04/02 00 0414992479 05 11/01/02 0 0414992479 N 10/01/32 0 8086209 E22/G02 F 49,000.00 ZZ 360 49,000.00 1 1 6.875 321.90 45 6.625 321.90 LYNCHBURG VA 24502 2 10/04/02 00 0415025303 05 11/01/02 0 0415025303 N 10/01/32 0 8086245 E22/G02 F 123,200.00 ZZ 360 123,200.00 1 6.750 799.07 80 6.500 799.07 LOUISVILLE KY 40222 2 09/30/02 00 0415069061 05 11/01/02 0 0415069061 O 10/01/32 0 8086265 E22/G02 F 131,920.00 ZZ 360 131,920.00 1 6.750 855.63 80 6.500 855.63 KENNEWICK WA 99337 1 09/27/02 00 0415098011 03 11/01/02 0 0415098011 O 10/01/32 0 8086613 X44/G02 F 88,800.00 ZZ 360 88,800.00 1 6.750 575.96 80 6.500 575.96 TOWNSHIP OF EVE NJ 08053 1 09/30/02 00 0434685640 01 11/01/02 0 81693 O 10/01/32 0 8086709 K15/G02 F 128,800.00 ZZ 360 128,800.00 1 6.625 824.72 80 6.375 824.72 AURORA CO 80011 5 09/25/02 00 0434697777 05 11/01/02 0 023405300010 O 10/01/32 0 8088013 N47/G02 F 194,150.00 ZZ 360 194,150.00 1 6.500 1,227.16 67 6.250 1,227.16 HAYWARD CA 94545 5 09/23/02 00 0434691085 05 11/01/02 0 1 20320990 O 10/01/32 0 8088865 E82/G02 F 111,900.00 T 360 111,900.00 1 6.625 716.51 75 6.375 716.51 COCONUT CREEK FL 33073 2 10/01/02 00 0400695383 09 11/01/02 0 5207469 O 10/01/32 0 8088957 U05/G02 F 230,000.00 ZZ 360 230,000.00 1 6.500 1,453.76 75 6.250 1,453.76 COLLEYVILLE TX 76034 5 09/25/02 00 0434706859 05 11/01/02 0 3265250 O 10/01/32 0 8088989 U05/G02 F 121,000.00 ZZ 360 121,000.00 1 6.500 764.80 68 6.250 764.80 BONITA SPRINGS FL 34134 2 09/23/02 00 0434688537 01 11/01/02 0 3257443 O 10/01/32 0 8089013 E47/G02 F 265,000.00 ZZ 360 265,000.00 1 6.250 1,631.65 63 6.000 1,631.65 FOUNTAIN VALLEY CA 92078 5 09/23/02 00 0434699054 05 11/01/02 0 7331014273 O 10/01/32 0 8089017 Q14/G02 F 197,600.00 ZZ 360 197,600.00 1 6.500 1,248.97 80 6.250 1,248.97 GRAIN VALLEY MO 64029 1 09/27/02 00 0434684031 05 11/01/02 0 0208554 O 10/01/32 0 1 8089055 B49/G02 F 260,000.00 ZZ 360 260,000.00 1 6.625 1,664.81 78 6.375 1,664.81 EVERGREEN CO 80439 5 09/24/02 00 0434704599 05 11/01/02 0 000263950550 O 10/01/32 0 8089159 E22/G02 F 128,000.00 ZZ 360 128,000.00 1 6.750 830.21 43 6.500 830.21 SHERMAN OAKS CA 91423 5 09/24/02 00 0414802652 01 11/01/02 0 0414802652 O 10/01/32 0 8089217 E22/G02 F 86,400.00 ZZ 360 86,400.00 1 7.375 596.74 80 7.125 596.74 WEBSTER TX 77598 1 09/25/02 00 0414880179 03 11/01/02 0 0414880179 N 10/01/32 0 8089311 E22/G02 F 261,000.00 ZZ 360 261,000.00 1 6.625 1,671.21 80 6.375 1,671.21 SPRING VALLEY CA 91977 2 09/24/02 00 0414952325 03 11/01/02 0 0414952325 O 10/01/32 0 8089347 E22/G02 F 224,000.00 ZZ 360 224,000.00 4 6.375 1,397.47 80 6.125 1,397.47 CENTERVILLE OH 45458 1 10/05/02 00 0414974618 05 11/01/02 0 0414974618 N 10/01/32 0 8089421 E22/G02 F 90,000.00 ZZ 360 90,000.00 1 7.125 606.35 86 6.875 606.35 1 GUNTERSVILLE AL 35976 5 09/30/02 01 0415006436 05 11/01/02 25 0415006436 O 10/01/32 0 8089495 E22/G02 F 71,000.00 ZZ 360 71,000.00 1 6.500 448.77 89 6.250 448.77 TAMPA FL 33614 5 10/01/02 01 0415047935 05 11/01/02 25 0415047935 O 10/01/32 0 8089507 E22/G02 F 179,100.00 ZZ 360 179,100.00 2 6.375 1,117.35 90 6.125 1,117.35 FAIRBANKS AK 99701 1 09/27/02 04 0415056969 05 11/01/02 25 0415056969 N 10/01/32 0 8089953 830/G02 F 285,800.00 ZZ 240 285,800.00 1 6.375 2,109.87 70 6.125 2,109.87 OGDEN UT 84403 5 09/27/02 00 0434690772 05 11/01/02 0 02090112 O 10/01/22 0 8090055 F36/G02 F 120,000.00 ZZ 360 120,000.00 1 6.375 748.64 80 6.125 748.64 TACOMA WA 98406 1 09/19/02 00 0434703096 05 11/01/02 0 06505191 O 10/01/32 0 8090071 U05/G02 F 100,000.00 ZZ 360 100,000.00 1 6.625 640.31 80 6.375 640.31 LAREDO TX 78045 1 09/26/02 00 0434688628 05 11/01/02 0 3252294 O 10/01/32 0 1 8090851 E57/G02 F 151,200.00 ZZ 360 151,200.00 4 6.500 955.69 90 6.250 955.69 APPLE VALLEY CA 92307 1 09/26/02 12 0434711883 05 11/01/02 25 06009305 N 10/01/32 0 8091255 E60/G02 F 275,000.00 ZZ 360 275,000.00 1 6.125 1,670.93 75 5.875 1,670.93 FALLBROOK CA 92028 2 09/23/02 00 0434710497 05 11/01/02 0 525684 O 10/01/32 0 8091265 P44/G02 F 216,000.00 ZZ 360 216,000.00 2 6.500 1,365.27 80 6.250 1,365.27 SOMERVILLE MA 02143 1 09/26/02 00 0434716940 05 11/01/02 0 DELUCA N 10/01/32 0 8091301 P44/G02 F 192,000.00 ZZ 360 192,000.00 3 6.625 1,229.40 80 6.375 1,229.40 SOMERVILLE MA 02143 1 09/26/02 00 0434704847 05 11/01/02 0 1 N 10/01/32 0 8091309 F36/G02 F 84,000.00 ZZ 360 84,000.00 1 6.625 537.86 80 6.375 537.86 OLYMPIA WA 98513 1 09/26/02 00 0434702684 05 11/01/02 0 06405176 N 10/01/32 0 8092821 286/286 F 283,450.00 ZZ 360 283,187.47 1 1 6.375 1,768.36 90 6.125 1,768.36 EL CAJON CA 92019 1 08/21/02 11 1112465 05 10/01/02 25 1112465 O 09/01/32 0 8092825 286/286 F 92,000.00 ZZ 360 91,844.72 1 7.125 619.83 80 6.875 619.83 PENDLETON IN 46064 1 08/02/02 00 1462273 05 09/01/02 0 1462273 O 08/01/32 0 8092829 286/286 F 227,500.00 ZZ 360 226,971.27 1 6.500 1,437.96 87 6.250 1,437.96 WINNETKA CA 91306 2 07/29/02 12 1432806 05 09/01/02 25 1432806 O 08/01/32 0 8092841 286/286 F 298,400.00 ZZ 360 298,136.73 1 6.625 1,910.69 90 6.375 1,910.69 PHOENIX AZ 85021 2 08/16/02 10 1462163 05 10/01/02 25 1462163 O 09/01/32 0 8092849 286/286 F 232,000.00 ZZ 360 231,232.17 1 6.500 1,466.40 73 6.250 1,466.40 BIG POOL MD 21711 2 08/13/02 00 1429133 05 10/01/02 0 1429133 O 09/01/32 0 8092857 286/286 F 161,100.00 ZZ 360 160,745.72 1 7.000 1,071.80 90 6.750 1,071.80 CHANDLER AZ 85225 1 08/30/02 10 1376960 05 09/01/02 25 1 1376960 O 08/01/32 0 8092863 286/286 F 90,800.00 ZZ 360 90,727.39 1 7.125 611.74 90 6.875 611.74 OMAHA NE 68110 1 08/19/02 11 1439407 05 10/01/02 25 1439407 O 09/01/32 0 8092869 286/286 F 256,000.00 ZZ 240 255,493.46 1 6.750 1,946.54 80 6.500 1,946.54 GREENFIELD IN 46140 2 08/08/02 00 1445580 05 10/01/02 0 1445580 O 09/01/22 0 8092885 286/286 F 154,000.00 T 360 153,867.40 1 6.750 998.85 23 6.500 998.85 NORTH FALMOUTH MA 02556 2 08/22/02 00 1412796 05 10/01/02 0 1412796 O 09/01/32 0 8092903 286/286 F 132,000.00 T 240 131,750.42 1 7.125 1,033.33 87 6.875 1,033.33 NORTH LAS VEGAS NV 89031 2 08/01/02 10 1382046 03 10/01/02 25 1382046 O 09/01/22 0 8092909 286/286 F 239,950.00 ZZ 360 239,514.98 1 6.500 1,516.65 80 6.250 1,516.65 MODESTO CA 95356 1 07/31/02 00 1403849 05 09/01/02 0 1403849 O 08/01/32 0 1 8092915 286/286 F 269,250.00 ZZ 360 268,585.04 1 6.750 1,746.36 75 6.500 1,746.36 BELLFLOWER CA 90706 1 07/11/02 00 1402435 05 09/01/02 0 1402435 O 08/01/32 0 8092919 286/286 F 156,000.00 ZZ 360 155,730.60 1 6.750 1,011.82 87 6.500 1,011.82 CANTON MI 48187 2 07/31/02 21 1435972 05 09/01/02 25 1435972 O 08/01/32 0 8092923 286/286 F 252,000.00 ZZ 360 251,595.74 1 7.125 1,697.78 80 6.875 1,697.78 COLUMBIA MD 21044 1 07/31/02 00 1411770 05 09/01/02 0 1411770 O 08/01/32 0 8092931 286/286 F 225,000.00 ZZ 360 224,791.60 1 6.375 1,403.71 55 6.125 1,403.71 COLUMBUS NJ 08022 2 08/22/02 00 1026950 05 10/01/02 0 1026950 O 09/01/32 0 8092935 286/286 F 300,000.00 ZZ 360 299,728.79 1 6.500 1,896.21 62 6.250 1,896.21 GLENVIEW IL 60025 1 08/15/02 00 1464352 03 10/01/02 0 1464352 O 09/01/32 0 8092939 286/286 F 342,000.00 ZZ 360 341,733.20 2 7.250 2,333.05 77 7.000 2,333.05 1 SAN DIEGO CA 92109 2 08/07/02 00 1429687 05 10/01/02 0 1429687 O 09/01/32 0 8092943 286/286 F 264,600.00 ZZ 360 264,154.12 1 6.875 1,738.24 90 6.625 1,738.24 NORMAL IL 61761 1 07/31/02 12 1409049 05 09/01/02 25 1409049 O 08/01/32 0 8092947 286/286 F 102,150.00 ZZ 360 101,977.85 1 6.875 671.06 90 6.625 671.06 BELTON MO 64012 1 08/05/02 11 1462919 05 09/01/02 25 1462919 O 08/01/32 0 8092951 286/286 F 88,200.00 T 360 88,119.10 1 6.875 579.42 90 6.625 579.42 GILBERT AZ 85234 1 08/15/02 21 1463927 05 10/01/02 30 1463927 O 09/01/32 0 8092959 286/286 F 90,000.00 ZZ 360 89,931.51 1 7.375 621.61 35 7.125 621.61 CLIFTON NJ 07011 1 08/16/02 00 1341161 05 10/01/02 0 1341161 O 09/01/32 0 8092963 286/286 F 112,450.00 T 360 112,350.79 1 6.625 720.03 90 6.375 720.03 SUGARLOAF CA 92386 1 08/13/02 14 1109092 05 10/01/02 25 1109092 O 09/01/32 0 1 8092967 286/286 F 195,000.00 ZZ 360 194,832.11 1 6.750 1,264.77 78 6.500 1,264.77 NORTH BRUNSWICK NJ 08902 1 08/08/02 00 1300116 05 10/01/02 0 1300116 O 09/01/32 0 8092975 286/286 F 157,000.00 ZZ 360 156,735.44 1 6.875 1,031.38 79 6.625 1,031.38 STOCKTON CA 95204 2 07/25/02 00 1447323 05 09/01/02 0 1447323 O 08/01/32 0 8092983 286/286 F 274,400.00 ZZ 360 274,145.85 1 6.375 1,711.90 80 6.125 1,711.90 PITTSBURGH PA 15238 1 08/21/02 00 1436649 03 10/01/02 0 1436649 O 09/01/32 0 8092985 286/286 F 99,000.00 ZZ 360 98,782.46 1 7.000 658.65 90 6.750 658.65 CHICAGO HEIGHTS IL 60411 1 07/31/02 12 1370868 05 09/01/02 25 1370868 O 08/01/32 0 8092987 286/286 F 151,900.00 ZZ 360 151,631.20 1 6.625 972.64 80 6.375 972.64 NORTH HOLLYWOOD CA 91605 1 07/25/02 00 1445467 01 09/01/02 0 1445467 O 08/01/32 0 8092991 286/286 F 92,000.00 T 360 91,916.82 1 1 6.500 581.51 80 6.250 581.51 BIG BEAR LAKE CA 92315 1 08/12/02 00 1494043 05 10/01/02 0 1494043 O 09/01/32 0 8092995 286/286 F 240,000.00 T 360 239,595.58 1 6.875 1,576.63 41 6.625 1,576.63 BARNEGAT LIGHT NJ 08006 2 07/31/02 00 1375162 05 09/01/02 0 1375162 O 08/01/32 0 8093003 286/286 F 280,000.00 ZZ 360 279,758.92 1 6.750 1,816.08 80 6.500 1,816.08 MONTGOMERY TX 77356 1 08/09/02 00 1453265 03 10/01/02 0 1453265 O 09/01/32 0 8093005 286/286 F 257,000.00 ZZ 360 256,535.14 1 6.375 1,603.35 47 6.125 1,603.35 STEVENSVILLE MD 21666 2 07/31/02 00 1413540 05 09/01/02 0 1413540 O 08/01/32 0 8093017 286/286 F 197,700.00 ZZ 360 197,304.82 1 6.625 1,265.89 90 6.375 1,265.89 PHOENIX AZ 85044 1 08/08/02 12 1443525 03 10/01/02 25 1443525 O 09/01/32 0 8093019 286/286 F 216,000.00 ZZ 360 215,626.99 1 6.750 1,400.98 90 6.500 1,400.98 COPPEROPOLIS CA 95228 2 07/29/02 12 1442140 05 09/01/02 25 1 1442140 O 08/01/32 0 8093023 286/286 F 122,000.00 ZZ 360 121,794.42 1 6.875 801.45 61 6.625 801.45 YORK PA 17402 1 07/31/02 00 1410141 05 09/01/02 0 1410141 O 08/01/32 0 8093025 286/286 F 216,000.00 ZZ 360 215,799.94 1 6.375 1,347.56 44 6.125 1,347.56 GRAND JUNCTION CO 81503 2 08/09/02 00 1428219 05 10/01/02 0 1428219 O 09/01/32 0 8093055 286/286 F 94,000.00 ZZ 360 93,829.58 1 6.500 594.15 65 6.250 594.15 KENT WA 98031 2 07/24/02 00 1450878 05 09/01/02 0 1450878 O 08/01/32 0 8093063 286/286 F 223,000.00 ZZ 360 222,803.26 1 6.625 1,427.89 70 6.375 1,427.89 WHITEHOUSE STAT NJ 08889 2 08/07/02 00 1445268 05 10/01/02 0 1445268 O 09/01/32 0 8093067 286/286 F 240,000.00 ZZ 360 239,821.89 1 7.500 1,678.11 53 7.250 1,678.11 SAN PEDRO CA 90732 2 08/12/02 00 1107968 05 10/01/02 0 1107968 O 09/01/32 0 1 8093071 286/286 F 296,900.00 ZZ 360 296,618.62 1 6.750 1,925.69 90 6.500 1,925.69 SAN ANTONIO TX 78258 1 08/15/02 04 1442498 03 10/01/02 25 1442498 O 09/01/32 0 8093073 286/286 F 261,600.00 ZZ 360 261,363.51 1 6.500 1,653.49 80 6.250 1,653.49 HOBOKEN NJ 07030 1 08/16/02 00 1482782 01 10/01/02 0 1482782 O 09/01/32 0 8093077 286/286 F 211,600.00 ZZ 240 211,162.03 1 6.375 1,562.10 80 6.125 1,562.10 CLAY MI 48001 2 08/05/02 00 1429885 05 10/01/02 0 1429885 O 09/01/22 0 8093081 286/286 F 120,000.00 T 360 119,891.52 1 6.500 758.48 29 6.250 758.48 TELLURIDE CO 81435 2 08/19/02 00 1373739 01 10/01/02 0 1373739 O 09/01/32 0 8093091 286/286 F 160,000.00 T 360 159,855.36 1 6.500 1,011.31 39 6.250 1,011.31 PHOENIX AZ 85086 1 08/08/02 00 1468714 05 10/01/02 0 1468714 O 09/01/32 0 8093097 286/286 F 150,200.00 ZZ 360 150,073.81 1 6.875 986.71 78 6.625 986.71 1 DENTON TX 76205 1 08/01/02 00 1431892 05 10/01/02 0 1431892 O 09/01/32 0 8093099 286/286 F 96,500.00 ZZ 360 96,408.43 1 6.250 594.17 52 6.000 594.17 SACRAMENTO CA 95826 2 08/05/02 00 1463794 05 10/01/02 0 1463794 O 09/01/32 0 8093103 286/286 F 157,500.00 ZZ 360 157,380.14 1 7.375 1,087.82 90 7.125 1,087.82 CHICAGO IL 60610 1 08/15/02 10 1502859 01 10/01/02 25 1502859 O 09/01/32 0 8093105 286/286 F 199,890.00 ZZ 360 199,722.06 1 6.875 1,313.14 90 6.625 1,313.14 LOWELL MA 01852 1 08/06/02 12 1443164 01 10/01/02 25 1443164 O 09/01/32 0 8093107 286/286 F 265,000.00 ZZ 360 264,782.77 1 7.000 1,763.06 90 6.750 1,763.06 EVERGREEN CO 80439 2 08/14/02 01 1450490 05 10/01/02 25 1450490 O 09/01/32 0 8093109 286/286 F 270,000.00 ZZ 360 269,498.53 1 6.375 1,684.45 90 6.125 1,684.45 SANTA PAULA CA 93060 1 07/24/02 11 1439912 05 09/01/02 25 1439912 O 08/01/32 0 1 8093111 286/286 F 300,600.00 ZZ 360 300,328.25 1 6.500 1,900.00 75 6.250 1,900.00 MEDFIELD MA 02052 1 08/15/02 00 1428363 05 10/01/02 0 1428363 O 09/01/32 0 8093117 286/286 F 108,300.00 T 360 108,202.10 1 6.500 684.53 80 6.250 684.53 BRYAN TX 77807 1 08/09/02 00 1442422 05 10/01/02 0 1442422 O 09/01/32 0 8093119 286/286 F 101,700.00 ZZ 360 101,605.80 1 6.375 634.48 90 6.125 634.48 HICKORY NC 28601 1 08/14/02 12 1452320 05 10/01/02 25 1452320 O 09/01/32 0 8093123 286/286 F 293,700.00 ZZ 360 293,440.87 1 6.625 1,880.60 55 6.375 1,880.60 ALEXANDRIA VA 22307 2 08/09/02 00 1414398 05 10/01/02 0 1414398 O 09/01/32 0 8093125 286/286 F 200,800.00 ZZ 360 200,477.89 1 7.125 1,352.83 80 6.875 1,352.83 MURRIETA CA 92563 1 07/23/02 00 1432469 05 09/01/02 0 1432469 O 08/01/32 0 8093127 286/286 F 227,950.00 ZZ 360 227,556.37 1 1 6.750 1,478.48 71 6.500 1,478.48 GRANBURY TX 76048 2 07/25/02 00 1448982 05 09/01/02 0 1448982 O 08/01/32 0 8093133 286/286 F 192,000.00 ZZ 360 191,838.69 1 6.875 1,261.31 66 6.625 1,261.31 WEST LONG BRANC NJ 07764 1 08/15/02 00 1434906 01 10/01/02 0 1434906 O 09/01/32 0 8093135 286/286 F 248,000.00 ZZ 360 247,559.68 1 7.125 1,670.82 80 6.875 1,670.82 DOUSMAN WI 53118 1 07/31/02 00 1350830 05 09/01/02 0 1350830 O 08/01/32 0 8093139 286/286 F 219,000.00 ZZ 360 218,816.01 1 6.875 1,438.68 73 6.625 1,438.68 BOULDER CO 80301 2 08/01/02 00 1438520 03 10/01/02 0 1438520 O 09/01/32 0 8093141 286/286 F 262,400.00 ZZ 360 261,946.87 1 6.750 1,701.93 80 6.500 1,701.93 MARENGO IL 60152 1 08/02/02 00 1410366 05 09/01/02 0 1410366 O 08/01/32 0 8093143 286/286 F 88,000.00 ZZ 360 87,924.23 1 6.750 570.77 74 6.500 570.77 WICHITA KS 67207 1 08/06/02 00 1469601 05 10/01/02 0 1 1469601 O 09/01/32 0 8093147 286/286 F 124,000.00 ZZ 360 123,895.82 1 6.875 814.60 69 6.625 814.60 NORTH HOLLYWOOD CA 91605 2 08/06/02 00 1442135 05 10/01/02 0 1442135 O 09/01/32 0 8093153 286/286 F 88,200.00 ZZ 360 88,125.89 1 6.875 579.42 90 6.625 579.42 SPOKANE WA 99206 1 08/08/02 10 1433516 05 10/01/02 25 1433516 O 09/01/32 0 8093159 286/286 F 104,000.00 T 360 103,550.85 1 6.500 657.36 47 6.250 657.36 LAS VEGAS NV 89117 2 07/25/02 00 1019035 03 09/01/02 0 1019035 O 08/01/32 0 8093161 286/286 F 297,415.00 ZZ 360 297,146.13 1 6.500 1,879.87 85 6.250 1,879.87 MISSION VIEJO CA 92692 1 07/25/02 14 1392144 01 10/01/02 17 1392144 O 09/01/32 0 8093165 286/286 F 90,000.00 ZZ 360 89,922.51 1 6.750 583.74 63 6.500 583.74 WATERBURY CT 06710 2 08/07/02 00 1442860 05 10/01/02 0 1442860 O 09/01/32 0 1 8093167 286/286 F 94,500.00 T 360 94,426.28 1 7.250 644.66 90 7.000 644.66 POMPANO BEACH FL 33064 1 08/14/02 11 1488226 05 10/01/02 25 1488226 O 09/01/32 0 8093169 286/286 F 230,000.00 ZZ 360 229,621.84 1 7.000 1,530.20 80 6.750 1,530.20 CHINO CA 91710 1 07/30/02 00 1450752 05 09/01/02 0 1450752 O 08/01/32 0 8093173 286/286 F 114,900.00 ZZ 360 114,701.59 1 6.750 745.24 72 6.500 745.24 WESTLAND MI 48185 1 07/30/02 00 1447887 01 09/01/02 0 1447887 O 08/01/32 0 8093175 286/286 F 300,000.00 ZZ 360 299,469.16 1 6.625 1,920.94 73 6.375 1,920.94 ROCHESTER MI 48306 1 07/31/02 00 1442358 05 09/01/02 0 1442358 O 08/01/32 0 8093177 286/286 F 220,000.00 ZZ 360 219,647.08 1 7.125 1,482.19 80 6.875 1,482.19 SKOKIE IL 60076 1 07/31/02 00 1402307 05 09/01/02 0 1402307 O 08/01/32 0 8093179 286/286 F 280,000.00 ZZ 360 279,740.65 1 6.375 1,746.84 80 6.125 1,746.84 1 NAPA CA 94558 1 08/15/02 00 1479988 05 10/01/02 0 1479988 O 09/01/32 0 8093181 286/286 F 145,000.00 ZZ 300 144,610.91 1 6.500 979.06 83 6.250 979.06 RIALTO CA 92376 2 07/26/02 11 1438482 05 09/01/02 12 1438482 O 08/01/27 0 8093185 286/286 F 193,000.00 ZZ 360 192,825.52 1 6.500 1,219.90 46 6.250 1,219.90 BURBANK CA 91501 2 08/08/02 00 1436308 05 10/01/02 0 1436308 O 09/01/32 0 8093191 286/286 F 263,200.00 ZZ 360 262,973.38 1 6.750 1,707.12 80 6.500 1,707.12 CORONA CA 92882 1 08/12/02 00 1461999 05 10/01/02 0 1461999 O 09/01/32 0 8093197 286/286 F 229,500.00 ZZ 360 229,291.15 1 6.750 1,488.54 85 6.500 1,488.54 DOWNINGTOWN PA 19335 1 08/09/02 14 1394447 05 10/01/02 12 1394447 O 09/01/32 0 8093199 286/286 F 119,925.00 ZZ 360 119,824.24 1 6.875 787.83 75 6.625 787.83 TALLAHASSEE FL 32309 1 08/09/02 00 1439522 03 10/01/02 0 1439522 O 09/01/32 0 1 8093201 286/286 F 255,000.00 T 360 254,769.48 1 6.500 1,611.77 75 6.250 1,611.77 LOGANVILLE GA 30052 2 08/05/02 00 1440017 05 10/01/02 0 1440017 O 09/01/32 0 8093203 286/286 F 114,000.00 ZZ 360 113,904.23 1 6.875 748.90 78 6.625 748.90 SANDY UT 84094 2 08/16/02 00 1490428 05 10/01/02 0 1490428 O 09/01/32 0 8093207 286/286 F 96,000.00 ZZ 360 95,906.06 1 6.500 606.79 80 6.250 606.79 HICKORY NC 28601 1 08/15/02 00 1456769 03 10/01/02 0 1456769 O 09/01/32 0 8093209 286/286 F 162,300.00 ZZ 360 160,896.77 1 6.375 1,012.54 87 6.125 1,012.54 SCOTTSDALE AZ 85250 2 08/14/02 01 1456630 05 10/01/02 25 1456630 O 09/01/32 0 8093213 286/286 F 207,000.00 ZZ 360 206,817.36 1 6.625 1,325.45 90 6.375 1,325.45 LYMAN SC 29365 1 08/16/02 11 1467843 05 10/01/02 25 1467843 O 09/01/32 0 8093221 286/286 F 220,000.00 ZZ 360 219,810.58 1 1 6.750 1,426.92 80 6.500 1,426.92 CEDAR HILL TX 75104 1 08/14/02 00 1491459 05 10/01/02 0 1491459 O 09/01/32 0 8093223 286/286 F 266,500.00 ZZ 360 266,217.15 1 6.375 1,662.62 57 6.125 1,662.62 IRVINE CA 92660 2 08/15/02 00 1453686 03 10/01/02 0 1453686 O 09/01/32 0 8093231 286/286 F 221,400.00 ZZ 360 220,967.00 1 6.750 1,436.00 90 6.500 1,436.00 CRANBERRY TWP PA 16066 1 08/20/02 10 1436194 03 10/01/02 25 1436194 O 09/01/32 0 8093233 286/286 F 270,000.00 ZZ 360 269,773.17 1 6.875 1,773.71 90 6.625 1,773.71 NORTH ROYALTON OH 44133 1 08/12/02 10 1411310 05 10/01/02 25 1411310 O 09/01/32 0 8093235 286/286 F 95,000.00 ZZ 360 93,981.94 1 6.500 600.47 24 6.250 600.47 WESTWOOD MA 02090 2 08/09/02 00 1436393 05 10/01/02 0 1436393 O 09/01/32 0 8093237 286/286 F 280,000.00 ZZ 360 279,746.87 1 6.500 1,769.80 71 6.250 1,769.80 SALINAS CA 93906 2 08/13/02 00 1468790 05 10/01/02 0 1 1468790 O 09/01/32 0 8093239 286/286 F 165,000.00 ZZ 360 164,850.83 2 6.500 1,042.92 56 6.250 1,042.92 JERSEY CITY NJ 07302 2 08/02/02 00 1350027 05 10/01/02 0 1350027 O 09/01/32 0 8093245 286/286 F 243,400.00 ZZ 360 243,195.52 1 6.875 1,598.96 66 6.625 1,598.96 TABERNASH CO 80478 2 08/20/02 00 1471700 05 10/01/02 0 1471700 O 09/01/32 0 8093251 286/286 F 114,000.00 ZZ 360 113,628.92 1 7.000 758.44 75 6.750 758.44 NEW ORLEANS LA 70601 2 07/30/02 00 1468161 01 09/01/02 0 1468161 O 08/01/32 0 8093255 286/286 F 103,500.00 T 360 103,417.23 1 7.125 697.30 90 6.875 697.30 DUCK CREEK UT 84762 1 08/08/02 14 1438366 05 10/01/02 25 1438366 O 09/01/32 0 8093259 286/286 F 269,900.00 ZZ 360 269,667.62 1 6.750 1,750.57 90 6.500 1,750.57 TUJUNGA AREA CA 91042 1 07/31/02 11 808924 05 10/01/02 25 808924 O 09/01/32 0 1 8093267 286/286 F 290,000.00 ZZ 360 289,721.88 1 7.125 1,953.78 71 6.875 1,953.78 LONG BEACH CA 90808 2 08/08/02 00 0001108928 05 10/01/02 0 0001108928 O 09/01/32 0 8093271 286/286 F 104,000.00 T 360 103,910.46 1 6.750 674.54 80 6.500 674.54 SONORA CA 95370 1 08/06/02 00 0001107143 03 10/01/02 0 0001107143 O 09/01/32 0 8093273 286/286 F 282,300.00 ZZ 360 281,824.31 1 6.875 1,854.51 93 6.625 1,854.51 PALM DESERT CA 92211 1 07/23/02 14 0001106295 05 09/01/02 30 0001106295 O 08/01/32 0 8093275 286/286 F 248,000.00 T 360 247,571.76 1 6.750 1,608.52 80 6.500 1,608.52 STRAWBERRY CA 95375 1 07/29/02 00 0001108005 03 09/01/02 0 0001108005 O 08/01/32 0 8093277 286/286 F 125,000.00 ZZ 360 124,773.37 1 6.500 790.09 50 6.250 790.09 RIO VISTA CA 94571 1 07/26/02 00 0001108526 03 09/01/02 0 0001108526 O 08/01/32 0 8093279 286/286 F 243,200.00 T 360 242,780.04 1 6.750 1,577.39 80 6.500 1,577.39 1 OCEANSIDE CA 92056 1 07/25/02 00 0001107828 03 09/01/02 0 0001107828 O 08/01/32 0 8093281 286/286 F 260,000.00 ZZ 360 259,753.31 1 6.250 1,600.86 72 6.000 1,600.86 EL CAJON CA 92019 1 08/13/02 00 0001107682 05 10/01/02 0 0001107682 O 09/01/32 0 8093283 286/286 F 112,000.00 ZZ 360 111,811.28 1 6.875 735.76 90 6.625 735.76 PARAMOUNT CA 90723 2 07/24/02 14 0001107184 01 09/01/02 25 0001107184 O 08/01/32 0 8093285 286/286 F 235,000.00 ZZ 360 234,594.20 1 6.750 1,524.21 84 6.500 1,524.21 HUNTINGTOWN MD 20639 2 07/31/02 10 0009934535 05 09/01/02 12 0009934535 O 08/01/32 0 8093289 286/286 F 219,000.00 ZZ 360 218,602.97 1 6.500 1,384.23 37 6.250 1,384.23 UNION CITY CA 94587 2 07/18/02 00 0000805964 05 09/01/02 0 0000805964 O 08/01/32 0 8093291 286/286 F 219,150.00 ZZ 360 218,951.88 1 6.500 1,385.18 80 6.250 1,385.18 TRACY CA 95376 1 08/13/02 00 0001108195 05 10/01/02 0 0001108195 O 09/01/32 0 1 8093293 286/286 F 256,500.00 ZZ 360 256,284.51 1 6.875 1,685.02 90 6.625 1,685.02 BONITA CA 91902 1 08/12/02 11 0001107191 05 10/01/02 30 0001107191 O 09/01/32 0 8093295 286/286 F 242,500.00 T 360 224,597.96 1 7.250 1,654.28 90 7.000 1,654.28 BAKERSFIELD CA 93312 1 07/26/02 11 0001106067 05 09/30/02 25 0001106067 O 08/01/32 0 8093299 286/286 F 229,450.00 ZZ 360 229,034.02 2 6.500 1,450.28 90 6.250 1,450.28 TRACY CA 95376 1 07/31/02 10 0001108882 05 09/01/02 25 0001108882 O 08/01/32 0 8093301 286/286 F 300,700.00 ZZ 360 300,193.31 1 6.875 1,975.38 72 6.625 1,975.38 ESCONDIDO CA 92026 1 07/31/02 00 0000799382 03 09/01/02 0 0000799382 O 08/01/32 0 8093303 286/286 F 194,500.00 ZZ 360 194,332.54 1 6.750 1,261.52 80 6.500 1,261.52 RIVERSIDE CA 92508 1 08/05/02 00 0000786381 05 10/01/02 0 0000786381 O 09/01/32 0 8093305 286/286 F 194,500.00 ZZ 360 192,882.53 1 1 6.750 1,261.52 77 6.500 1,261.52 WHITTIER CA 90601 2 08/12/02 00 0001107932 05 10/01/02 0 0001107932 O 09/01/32 0 8093307 286/286 F 278,850.00 ZZ 360 278,344.47 1 6.500 1,762.52 90 6.250 1,762.52 SAN MARCOS CA 92069 1 07/25/02 11 0001105935 05 09/01/02 25 0001105935 O 08/01/32 0 8093309 286/286 F 129,000.00 ZZ 360 128,888.94 1 6.750 836.69 79 6.500 836.69 SANTA CLARITA CA 91321 2 07/30/02 00 0001106581 01 10/01/02 0 0001106581 O 09/01/32 0 8093313 286/286 F 285,600.00 ZZ 360 285,160.06 1 6.875 1,876.19 80 6.625 1,876.19 SAN LEANDRO CA 94577 1 08/02/02 00 0001109833 05 10/01/02 0 0001109833 O 09/01/32 0 8093315 286/286 F 300,700.00 ZZ 360 300,180.76 1 6.750 1,950.33 63 6.500 1,950.33 CASTRO VALLEY CA 94546 2 07/24/02 00 0001106777 05 09/01/02 0 0001106777 O 08/01/32 0 8093317 286/286 F 224,950.00 ZZ 360 224,783.06 1 7.500 1,572.88 90 7.250 1,572.88 SAN DIEGO CA 92126 1 08/08/02 11 0000808277 05 10/01/02 25 1 0000808277 O 09/01/32 0 8093319 286/286 F 112,000.00 ZZ 360 111,908.19 1 7.000 745.14 80 6.750 745.14 CHULA VISTA CA 91911 1 08/08/02 00 0001110155 01 10/01/02 0 0001110155 O 09/01/32 0 8093321 286/286 F 300,000.00 ZZ 360 299,553.33 1 7.500 2,097.64 80 7.250 2,097.64 SAN DIEGO CA 92111 1 07/30/02 00 0001106939 05 09/01/02 0 0001106939 O 08/01/32 0 8093325 286/286 F 153,500.00 ZZ 360 153,364.57 1 6.625 982.88 62 6.375 982.88 HUNTINGTON BEAC CA 92647 2 08/06/02 00 0001107841 03 10/01/02 0 0001107841 O 09/01/32 0 8093329 286/286 F 240,000.00 ZZ 360 239,777.71 1 6.375 1,497.29 88 6.125 1,497.29 GUERNEVILLE CA 95446 1 08/15/02 11 0001110635 05 10/01/02 25 0001110635 O 09/01/32 0 8093331 286/286 F 198,000.00 ZZ 360 197,821.01 1 6.500 1,251.49 75 6.250 1,251.49 MONTEBELLO CA 90640 1 08/05/02 00 0001108392 05 10/01/02 0 0001108392 O 09/01/32 0 1 8093333 286/286 F 257,000.00 ZZ 360 256,398.20 1 6.875 1,688.31 71 6.625 1,688.31 TRACY CA 95376 2 07/25/02 00 0001107606 05 09/01/02 0 0001107606 O 08/01/32 0 8093337 286/286 F 258,000.00 ZZ 360 257,565.25 1 6.875 1,694.88 75 6.625 1,694.88 SPRING VALLEY CA 91978 2 07/26/02 00 0001105585 03 09/01/02 0 0001105585 O 08/01/32 0 8093343 286/286 F 247,500.00 ZZ 360 247,276.26 1 6.500 1,564.37 90 6.250 1,564.37 ESCONDIDO CA 92027 1 08/07/02 10 1440159 05 10/01/02 25 1440159 O 09/01/32 0 8093347 286/286 F 125,052.00 ZZ 360 124,941.66 1 6.625 800.73 90 6.375 800.73 HOUSTON TX 77077 1 08/09/02 04 1457462 03 10/01/02 25 1457462 O 09/01/32 0 8093353 286/286 F 210,000.00 ZZ 360 209,827.86 1 7.000 1,397.14 58 6.750 1,397.14 BRIGHTON CO 80601 2 08/08/02 00 1378716 01 10/01/02 0 1378716 O 09/01/32 0 8093355 E47/G02 F 428,000.00 ZZ 360 428,000.00 3 6.500 2,705.25 48 6.250 2,705.25 1 CARLSBAD CA 92008 2 09/18/02 00 0434699138 05 11/01/02 0 7331014228 N 10/01/32 0 8093861 E22/G02 F 114,000.00 ZZ 360 114,000.00 3 6.750 739.40 68 6.500 739.40 FRESNO CA 93728 2 09/26/02 00 0414689489 05 11/01/02 0 0414689489 N 10/01/32 0 8093887 E22/G02 F 114,000.00 ZZ 360 114,000.00 3 6.750 739.40 68 6.500 739.40 FRESNO CA 93711 5 09/26/02 00 0414794750 05 11/01/02 0 0414794750 N 10/01/32 0 8093889 E22/G02 F 114,000.00 ZZ 360 114,000.00 3 6.750 739.40 68 6.500 739.40 FRESNO CA 93728 2 09/26/02 00 0414794826 05 11/01/02 0 0414794826 N 10/01/32 0 8094121 E22/G02 F 76,800.00 ZZ 360 76,800.00 1 6.875 504.52 80 6.625 504.52 OMAHA NE 68122 1 10/08/02 00 0415052026 05 11/01/02 0 0415052026 N 10/01/32 0 8095321 950/G02 F 214,400.00 ZZ 360 214,400.00 2 7.375 1,480.81 78 7.125 1,480.81 DENVER CO 80205 5 09/24/02 00 0434706925 05 11/01/02 0 E2208382 N 10/01/32 0 1 8095423 A50/G02 F 47,600.00 ZZ 360 47,600.00 1 7.000 316.68 80 6.750 316.68 COLUMBUS GA 31904 5 09/18/02 00 0434686846 05 11/01/02 0 879721 N 10/01/32 0 8095617 967/G02 F 133,000.00 ZZ 360 133,000.00 1 6.375 829.75 58 6.125 829.75 UNIVERSITY PLAC WA 98467 1 09/27/02 00 0434724514 05 11/01/02 0 5717541 O 10/01/32 0 8095621 286/286 F 273,000.00 ZZ 360 272,492.96 1 6.375 1,703.16 89 6.125 1,703.16 LIVERMORE CA 94550 2 07/24/02 14 0001105604 05 09/01/02 25 0001105604 O 08/01/32 0 8095635 286/286 F 101,600.00 ZZ 360 101,524.59 1 7.500 710.41 80 7.250 710.41 ORLANDO FL 32806 1 08/09/02 00 1429326 05 10/01/02 0 1429326 N 09/01/32 0 8095653 286/286 F 112,450.00 ZZ 360 112,364.43 1 1 7.375 776.67 90 7.125 776.67 OCEANSIDE CA 92057 1 08/21/02 14 1480858 03 10/01/02 25 1480858 N 09/01/32 0 8095659 286/286 F 99,000.00 ZZ 360 98,845.07 1 7.250 675.36 90 7.000 675.36 FELTON DE 19943 1 07/31/02 11 1372668 05 09/01/02 25 1372668 N 08/01/32 0 8095661 286/286 F 112,500.00 ZZ 360 112,323.95 1 7.250 767.45 75 7.000 767.45 DENVER CO 80205 1 07/26/02 00 1405846 05 09/01/02 0 1405846 N 08/01/32 0 8095669 286/286 F 78,300.00 ZZ 360 78,174.38 1 7.125 527.53 90 6.875 527.53 CHANNAHON IL 60433 1 07/31/02 11 1445676 05 09/01/02 25 1445676 N 08/01/32 0 8095693 286/286 F 152,750.00 ZZ 360 152,633.77 2 7.375 1,055.01 65 7.125 1,055.01 NORTH WILDWOOD NJ 08620 2 08/15/02 00 1045151 05 10/01/02 0 1045151 N 09/01/32 0 8095701 286/286 F 115,650.00 ZZ 360 115,562.00 2 7.375 798.77 90 7.125 798.77 BOERNE TX 78006 1 08/26/02 10 1494966 05 10/01/02 25 1 1494966 N 09/01/32 0 8095707 286/286 F 182,000.00 ZZ 360 181,722.17 1 7.375 1,257.03 63 7.125 1,257.03 ARLINGTON VA 22205 5 07/30/02 00 1394226 05 09/01/02 0 1394226 N 08/01/32 0 8095721 286/286 F 174,000.00 ZZ 360 173,727.70 4 7.250 1,186.99 75 7.000 1,186.99 SWEDESBORO NJ 08085 1 07/25/02 00 1346915 05 09/01/02 0 1346915 N 08/01/32 0 8095723 286/286 F 81,000.00 ZZ 360 80,873.25 1 7.250 552.56 90 7.000 552.56 UNION CITY NJ 07087 1 07/16/02 04 1384917 01 09/01/02 25 1384917 N 08/01/32 0 8095725 286/286 F 150,250.00 ZZ 360 150,020.64 1 7.375 1,037.74 90 7.125 1,037.74 WASHINGTON DC 20017 1 07/29/02 14 1321879 05 09/01/02 25 1321879 N 08/01/32 0 8095729 286/286 F 136,305.00 ZZ 360 136,102.06 1 7.500 953.06 90 7.250 953.06 DENVER CO 80221 1 07/23/02 12 1393561 05 09/01/02 25 1393561 N 08/01/32 0 1 8095731 286/286 F 62,250.00 ZZ 360 62,135.54 1 7.250 424.66 75 7.000 424.66 STATEN ISLAND NY 10315 5 07/29/02 00 1266081 01 09/01/02 0 1266081 N 08/01/32 0 8095733 286/286 F 46,500.00 ZZ 360 46,414.50 1 7.250 317.22 75 7.000 317.22 STATEN ISLAND NY 10315 5 07/29/02 00 1266083 01 09/01/02 0 1266083 N 08/01/32 0 8095735 286/286 F 47,200.00 ZZ 360 47,124.28 1 7.125 318.00 73 6.875 318.00 WILMINGTON DE 19802 5 07/23/02 00 1385239 03 09/01/02 0 1385239 N 08/01/32 0 8095737 286/286 F 61,600.00 ZZ 360 61,551.94 1 7.250 420.23 80 7.000 420.23 CHANDLER AZ 85224 5 08/08/02 00 1406769 05 10/01/02 0 1406769 N 09/01/32 0 8095739 286/286 F 78,400.00 ZZ 360 78,283.26 1 7.500 548.19 80 7.250 548.19 ALBUQUERQUE NM 87120 5 07/12/02 00 1376690 05 09/01/02 0 1376690 N 08/01/32 0 8095741 286/286 F 110,700.00 ZZ 360 110,432.84 1 7.125 745.81 90 6.875 745.81 1 ALBUQUERQUE NM 87109 1 06/18/02 12 1436606 05 08/01/02 25 1436606 N 07/01/32 0 8095743 286/286 F 58,500.00 ZZ 360 58,412.90 1 7.500 409.04 90 7.250 409.04 VAIL AZ 85641 1 07/17/02 12 1392968 05 09/01/02 25 1392968 N 08/01/32 0 8095745 286/286 F 100,000.00 ZZ 360 99,839.59 1 7.125 673.72 53 6.875 673.72 CLOVIS CA 93611 1 07/25/02 00 1391523 05 09/01/02 0 1391523 N 08/01/32 0 8095747 286/286 F 160,200.00 ZZ 360 160,081.10 1 7.500 1,120.15 90 7.250 1,120.15 HOLLYWOOD FL 33021 1 08/06/02 10 1439952 05 10/01/02 25 1439952 N 09/01/32 0 8095749 286/286 F 200,000.00 ZZ 360 199,831.97 1 6.875 1,313.86 67 6.625 1,313.86 SAN DIEGO CA 92107 1 08/22/02 00 1470383 05 10/01/02 0 1470383 N 09/01/32 0 8095751 286/286 F 85,600.00 ZZ 360 85,507.79 1 7.000 569.50 80 6.750 569.50 SAN DIEGO CA 92108 1 08/06/02 00 1108639 05 10/01/02 0 1108639 N 09/01/32 0 1 8095757 286/286 F 93,500.00 ZZ 360 93,220.82 1 7.375 645.79 76 7.125 645.79 INDIANAPOLIS IN 46220 5 07/22/02 00 1389281 05 09/01/02 0 1389281 N 08/01/32 0 8095759 286/286 F 87,300.00 ZZ 360 87,030.90 1 7.500 610.42 90 7.250 610.42 INDIANAPOLIS IN 46229 1 07/29/02 11 1396680 05 09/01/02 25 1396680 N 08/01/32 0 8095763 286/286 F 118,400.00 ZZ 360 118,214.71 1 7.250 807.70 80 7.000 807.70 SOUTHFIELD MI 48034 1 07/30/02 00 1296465 01 09/01/02 0 1296465 N 08/01/32 0 8095767 286/286 F 28,800.00 ZZ 360 28,757.13 1 7.500 201.37 90 7.250 201.37 ARLINGTON TX 76006 1 07/29/02 04 1427160 01 09/01/02 25 1427160 N 08/01/32 0 8095769 286/286 F 100,250.00 ZZ 360 100,100.72 1 7.500 700.97 79 7.250 700.97 HAMILTON OH 45011 5 07/29/02 00 1425793 05 09/01/02 0 1425793 N 08/01/32 0 8095771 286/286 F 50,000.00 ZZ 360 49,923.67 1 1 7.375 345.34 74 7.125 345.34 MIAMI BEACH FL 33141 1 07/22/02 00 1433203 01 09/01/02 0 1433203 N 08/01/32 0 8095777 286/286 F 70,000.00 ZZ 360 69,942.61 1 7.000 465.72 34 6.750 465.72 JACKSON GA 30233 5 08/22/02 00 1502917 05 10/01/02 0 1502917 N 09/01/32 0 8095779 286/286 F 94,800.00 ZZ 360 94,647.92 1 7.125 638.69 80 6.875 638.69 MEMPHIS TN 38117 2 07/16/02 00 1384366 05 09/01/02 0 1384366 N 08/01/32 0 8095781 286/286 F 32,000.00 ZZ 360 31,974.41 2 7.125 215.59 64 6.875 215.59 COLUMBUS OH 43207 5 08/08/02 00 1403228 05 10/01/02 0 1403228 N 09/01/32 0 8095785 286/286 F 88,000.00 ZZ 360 87,862.28 2 7.250 600.32 80 7.000 600.32 GREENVILLE SC 29617 1 08/01/02 00 1390559 05 09/01/02 0 1390559 N 08/01/32 0 8095787 286/286 F 99,000.00 ZZ 360 98,841.17 2 7.125 666.99 90 6.875 666.99 CHICAGO IL 60623 1 07/18/02 11 1361817 05 09/01/02 25 1 1361817 N 08/01/32 0 8095789 286/286 F 120,000.00 ZZ 360 119,710.41 1 7.125 808.46 80 6.875 808.46 FORT WORTH TX 76109 5 06/27/02 00 1436558 05 08/01/02 0 1436558 N 07/01/32 0 8095797 286/286 F 60,000.00 ZZ 360 59,908.40 1 7.375 414.41 80 7.125 414.41 WATERBURY CT 06708 1 08/05/02 00 1378575 01 09/01/02 0 1378575 N 08/01/32 0 8095799 286/286 F 136,000.00 ZZ 360 135,792.39 2 7.375 939.32 80 7.125 939.32 PEORIA IL 61614 5 07/31/02 00 1383714 05 09/01/02 0 1383714 N 08/01/32 0 8095801 286/286 F 110,400.00 ZZ 360 110,231.46 2 7.375 762.51 80 7.125 762.51 CANTON IL 61570 5 07/31/02 00 1383718 05 09/01/02 0 1383718 N 08/01/32 0 8095805 286/286 F 52,000.00 ZZ 360 51,958.41 2 7.125 350.34 80 6.875 350.34 OROVILLE CA 95965 1 08/27/02 00 1456965 05 10/01/02 0 1456965 N 09/01/32 0 1 8095807 286/286 F 52,000.00 ZZ 360 51,958.41 2 7.125 350.34 80 6.875 350.34 OROVILLE CA 95965 1 08/27/02 00 1456990 05 10/01/02 0 1456990 N 09/01/32 0 8095809 286/286 F 100,800.00 ZZ 360 100,691.59 1 7.500 704.81 90 7.250 704.81 SACRAMENTO CA 95838 1 08/21/02 14 1474025 05 10/01/02 25 1474025 N 09/01/32 0 8095813 286/286 F 112,000.00 ZZ 360 111,833.24 1 7.500 783.12 74 7.250 783.12 DENVER CO 80223 5 07/03/02 00 1382189 05 09/01/02 0 1382189 N 08/01/32 0 8095815 286/286 F 157,500.00 ZZ 360 157,247.35 3 7.125 1,061.11 70 6.875 1,061.11 TUCSON AZ 85719 1 07/30/02 00 1463422 05 09/01/02 0 1463422 N 08/01/32 0 8095817 286/286 F 58,100.00 ZZ 360 58,055.78 4 7.375 401.28 75 7.125 401.28 TWENTYNINE PALM CA 92277 1 08/07/02 00 1106101 05 10/01/02 0 1106101 N 09/01/32 0 8095821 286/286 F 191,250.00 ZZ 360 191,250.00 1 7.625 1,353.66 75 7.375 1,353.66 1 STOCKTON CA 95207 2 09/06/02 00 1416137 03 11/01/02 0 1416137 N 10/01/32 0 8095829 286/286 F 39,200.00 ZZ 360 39,009.15 1 7.125 264.10 80 6.875 264.10 NILES OH 44446 1 08/09/02 00 1389210 05 10/01/02 0 1389210 N 09/01/32 0 8095833 286/286 F 48,000.00 ZZ 360 47,962.55 2 7.250 327.45 80 7.000 327.45 BADEN PA 15005 5 08/14/02 00 1442123 05 10/01/02 0 1442123 N 09/01/32 0 8095835 286/286 F 85,600.00 ZZ 360 85,522.61 1 6.500 541.06 80 6.250 541.06 UNIVERSITY PLAC WA 98467 2 08/28/02 00 1256334 05 10/01/02 0 1256334 N 09/01/32 0 8095837 286/286 F 93,500.00 ZZ 360 93,430.61 1 7.500 653.77 90 7.250 653.77 ATLANTA GA 30311 1 08/27/02 14 1523555 05 10/01/02 25 1523555 N 09/01/32 0 8095839 286/286 F 33,750.00 ZZ 360 33,723.67 1 7.250 230.24 90 7.000 230.24 FAIRBORN OH 45324 1 08/02/02 10 1401978 05 10/01/02 25 1401978 N 09/01/32 0 1 8095841 286/286 F 69,600.00 ZZ 360 69,541.52 1 6.875 457.22 80 6.625 457.22 APPLE VALLEY CA 92307 1 08/08/02 00 1111021 05 10/01/02 0 1111021 N 09/01/32 0 8095843 286/286 F 105,000.00 ZZ 360 104,839.71 1 7.375 725.21 75 7.125 725.21 ROSWELL GA 30076 5 07/23/02 00 1393410 05 09/01/02 0 1393410 N 08/01/32 0 8095845 286/286 F 106,000.00 ZZ 360 105,784.54 1 7.125 714.15 74 6.875 714.15 DREXEL HILL PA 19026 5 07/23/02 00 1414018 05 09/01/02 0 1414018 N 08/01/32 0 8095849 286/286 F 134,400.00 ZZ 360 134,194.83 1 7.375 928.27 80 7.125 928.27 TEMPE AZ 85283 2 07/18/02 00 1435869 05 09/01/02 0 1435869 N 08/01/32 0 8095851 286/286 F 126,000.00 ZZ 360 125,904.11 1 7.375 870.26 90 7.125 870.26 VIRGINIA BEACH VA 23454 1 08/08/02 11 1399607 03 10/01/02 25 1399607 N 09/01/32 0 8095857 286/286 F 55,800.00 ZZ 360 55,710.48 1 1 7.125 375.94 90 6.875 375.94 INDIANAPOLIS IN 46201 1 07/16/02 12 1428922 05 09/01/02 25 1428922 N 08/01/32 0 8095861 286/286 F 169,200.00 ZZ 360 168,928.57 1 7.125 1,139.94 80 6.875 1,139.94 HOUSTON TX 77077 1 07/24/02 00 1388574 03 09/01/02 0 1388574 N 08/01/32 0 8095863 286/286 F 212,000.00 ZZ 360 211,647.10 3 7.250 1,446.22 80 7.000 1,446.22 COLUMBUS OH 43201 2 07/23/02 00 1381077 05 09/01/02 0 1381077 N 08/01/32 0 8095865 286/286 F 65,800.00 ZZ 360 65,702.01 1 7.500 460.09 70 7.250 460.09 RAYTOWN MO 64138 5 08/01/02 00 1398650 05 09/01/02 0 1398650 N 08/01/32 0 8095867 286/286 F 77,895.00 ZZ 360 77,776.08 1 7.375 538.01 90 7.125 538.01 LAS VEGAS NV 89107 1 07/30/02 11 1106325 03 09/01/02 25 1106325 N 08/01/32 0 8095869 286/286 F 45,900.00 ZZ 360 45,829.12 1 7.375 317.02 90 7.125 317.02 ANDERSON SC 29625 1 07/30/02 10 1406915 05 09/01/02 25 1 1406915 N 08/01/32 0 8095871 286/286 F 75,000.00 ZZ 360 74,882.64 1 7.250 511.63 52 7.000 511.63 CAPE CORAL FL 33904 5 08/02/02 00 1451195 01 09/01/02 0 1451195 N 08/01/32 0 8095875 286/286 F 116,000.00 ZZ 360 115,902.54 1 6.875 762.04 80 6.625 762.04 COLLEGEVILLE PA 19426 1 08/27/02 00 1524751 05 10/01/02 0 1524751 N 09/01/32 0 8095877 286/286 F 58,320.00 ZZ 360 58,230.95 1 7.375 402.81 90 7.125 402.81 STONE MOUNTAIN GA 39983 1 07/18/02 11 1350971 05 09/01/02 25 1350971 N 08/01/32 0 8095879 286/286 F 102,150.00 ZZ 360 101,982.20 1 7.125 688.21 90 6.875 688.21 BREMERTON WA 98310 1 07/18/02 12 1391419 05 09/01/02 25 1391419 N 08/01/32 0 8095881 286/286 F 50,000.00 ZZ 360 49,923.67 1 7.375 345.34 50 7.125 345.34 KETTERING OH 45429 5 07/26/02 00 1403672 05 09/01/02 0 1403672 N 08/01/32 0 1 8095885 286/286 F 47,000.00 ZZ 360 46,926.46 1 7.250 320.62 78 7.000 320.62 AKRON OH 44301 2 07/23/02 00 1361783 05 09/01/02 0 1361783 N 08/01/32 0 8095889 286/286 F 79,150.00 ZZ 360 79,089.77 2 7.375 546.67 90 7.125 546.67 HEMET CA 92543 1 08/12/02 14 1108866 05 10/01/02 25 1108866 N 09/01/32 0 8095891 286/286 F 59,850.00 ZZ 360 59,760.88 2 7.500 418.48 70 7.250 418.48 LYONS NY 14489 5 07/24/02 00 1385535 05 09/01/02 0 1385535 N 08/01/32 0 8095893 286/286 F 52,850.00 ZZ 360 52,771.30 2 7.500 369.54 70 7.250 369.54 LYONS NY 14489 5 07/24/02 00 1385610 05 09/01/02 0 1385610 N 08/01/32 0 8095895 286/286 F 52,850.00 ZZ 360 52,771.30 2 7.500 369.54 70 7.250 369.54 LYONS NY 14489 5 07/24/02 00 1385621 05 09/01/02 0 1385621 N 08/01/32 0 8095901 286/286 F 142,000.00 ZZ 360 141,726.95 1 7.250 968.70 80 7.000 968.70 1 SALINE MI 48176 1 07/31/02 00 1406930 05 09/01/02 0 1406930 N 08/01/32 0 8095907 286/286 F 67,000.00 ZZ 360 66,892.50 1 7.125 451.40 61 6.875 451.40 SPOTSYLVANIA VA 22553 2 07/24/02 00 1377864 05 09/01/02 0 1377864 N 08/01/32 0 8095911 286/286 F 93,100.00 ZZ 360 92,954.30 1 7.250 635.11 70 7.000 635.11 TUCSON AZ 85743 5 07/22/02 00 1442513 03 09/01/02 0 1442513 N 08/01/32 0 8095913 286/286 F 35,100.00 ZZ 360 35,021.38 1 7.500 245.42 90 7.250 245.42 LUBBOCK TX 79412 1 06/18/02 21 1400641 05 08/01/02 25 1400641 N 07/01/32 0 8095931 286/286 F 75,000.00 ZZ 360 74,882.62 2 7.250 511.64 75 7.000 511.64 SPRINGFIELD OH 45503 5 07/29/02 00 1403452 05 09/01/02 0 1403452 N 08/01/32 0 8095937 286/286 F 73,400.00 ZZ 360 73,287.94 1 7.375 506.96 90 7.125 506.96 TOLEDO OH 43607 1 07/26/02 10 1407602 05 09/01/02 25 1407602 N 08/01/32 0 1 8095943 286/286 F 54,400.00 ZZ 360 54,314.86 1 7.250 371.11 80 7.000 371.11 GASTONIA NC 28052 5 07/25/02 00 1396455 05 09/01/02 0 1396455 N 08/01/32 0 8095947 286/286 F 72,000.00 ZZ 360 71,887.32 1 7.250 491.17 47 7.000 491.17 MT HOLLY NC 28120 5 07/25/02 00 1396523 05 09/01/02 0 1396523 N 08/01/32 0 8095949 286/286 F 115,500.00 ZZ 360 115,400.55 1 6.750 749.14 75 6.500 749.14 SALT LAKE CITY UT 84115 2 08/05/02 00 1450070 05 10/01/02 0 1450070 N 09/01/32 0 8095951 286/286 F 103,230.00 ZZ 360 103,072.42 1 7.375 712.98 90 7.125 712.98 RICHARDSON TX 75080 1 07/08/02 12 1445789 05 09/01/02 25 1445789 N 08/01/32 0 8095955 286/286 F 120,000.00 ZZ 360 119,899.18 1 6.875 788.32 66 6.625 788.32 REDLANDS CA 92373 5 08/23/02 00 1466424 05 10/01/02 0 1466424 N 09/01/32 0 8095957 286/286 F 216,000.00 ZZ 360 215,812.44 1 1 7.500 1,510.31 90 7.250 1,510.31 TEMECULA CA 92592 1 08/27/02 10 1473217 03 10/01/02 25 1473217 N 09/01/32 0 8095959 286/286 F 216,900.00 ZZ 360 216,714.11 1 7.500 1,516.60 90 7.250 1,516.60 TEMECULA CA 92592 1 08/28/02 10 1480794 03 10/01/02 25 1480794 N 09/01/32 0 8095961 286/286 F 60,000.00 ZZ 360 59,910.66 1 7.500 419.53 60 7.250 419.53 MERRITT ISLAND FL 32952 1 07/31/02 00 1311140 05 09/01/02 0 1311140 N 08/01/32 0 8095963 286/286 F 178,000.00 ZZ 360 177,660.36 1 7.250 1,214.28 32 7.000 1,214.28 SAN JOSE CA 95135 1 07/26/02 00 1362000 03 09/01/02 0 1362000 N 08/01/32 0 8095965 286/286 F 132,500.00 ZZ 360 132,061.39 3 7.000 881.53 57 6.750 881.53 REDDING CA 96002 1 08/20/02 00 1467922 05 10/01/02 0 1467922 N 09/01/32 0 8095969 286/286 F 218,240.00 ZZ 360 217,889.90 2 7.125 1,470.33 80 6.875 1,470.33 RICHMOND VA 23220 1 08/01/02 00 1430855 05 09/01/02 0 1 1430855 N 08/01/32 0 8095975 286/286 F 110,800.00 ZZ 360 110,622.25 1 7.125 746.49 90 6.875 746.49 EVERETT WA 98203 1 07/29/02 14 1446091 05 09/01/02 25 1446091 N 08/01/32 0 8095977 286/286 F 79,000.00 ZZ 360 78,876.37 1 7.250 538.92 80 7.000 538.92 LITHONIA GA 30058 1 07/19/02 00 1348796 05 09/01/02 0 1348796 N 08/01/32 0 8095979 286/286 F 34,200.00 ZZ 360 34,200.00 1 7.375 236.22 82 7.125 236.22 CLOVIS NM 88101 2 09/05/02 10 1537967 05 11/01/02 25 1537967 N 10/01/32 0 8095981 286/286 F 153,600.00 ZZ 360 153,359.62 2 7.250 1,047.83 80 7.000 1,047.83 PITTSBURGH PA 15232 1 07/25/02 00 1330002 05 09/01/02 0 1330002 N 08/01/32 0 8095985 286/286 F 211,500.00 ZZ 360 211,343.04 2 7.500 1,478.84 90 7.250 1,478.84 RANCHO CORDOVA CA 95670 1 08/17/02 10 1257920 05 10/01/02 25 1257920 N 09/01/32 0 1 8095989 286/286 F 52,000.00 ZZ 360 51,961.40 1 7.500 363.60 80 7.250 363.60 ANDERSON IN 46016 5 09/05/02 00 1493909 05 10/01/02 0 1493909 N 09/01/32 0 8095997 286/286 F 36,000.00 ZZ 360 35,973.28 1 7.500 251.72 80 7.250 251.72 RAWSON OH 45881 1 08/02/02 00 1398996 05 10/01/02 0 1398996 N 09/01/32 0 8096003 286/286 F 103,200.00 ZZ 360 103,117.47 1 7.125 695.28 80 6.875 695.28 SACRAMENTO CA 95814 1 08/06/02 00 1468247 05 10/01/02 0 1468247 N 09/01/32 0 8096009 286/286 F 99,000.00 ZZ 360 98,844.65 1 7.250 675.35 90 7.000 675.35 CANTON GA 30114 1 07/17/02 12 1357434 05 09/01/02 25 1357434 N 08/01/32 0 8096011 286/286 F 101,000.00 ZZ 360 100,908.69 4 6.500 638.39 74 6.250 638.39 FRESNO CA 93726 1 08/19/02 00 1408384 05 10/01/02 0 1408384 N 09/01/32 0 8096019 286/286 F 64,000.00 ZZ 360 63,904.70 2 7.500 447.50 80 7.250 447.50 1 TEMPLE TX 76504 1 07/19/02 00 1393612 05 09/01/02 0 1393612 N 08/01/32 0 8096025 286/286 F 124,000.00 ZZ 360 123,865.15 1 6.375 773.60 80 6.125 773.60 SALT LAKE CITY UT 84103 2 08/26/02 00 1496649 05 10/01/02 0 1496649 N 09/01/32 0 8096029 286/286 F 99,000.00 ZZ 360 98,918.85 1 7.000 658.65 90 6.750 658.65 CHICAGO IL 60632 1 08/26/02 19 1487561 05 10/01/02 25 1487561 N 09/01/32 0 8096041 286/286 F 127,900.00 ZZ 360 127,802.67 1 7.375 883.38 80 7.125 883.38 UPLAND CA 91786 1 08/15/02 00 1108222 05 10/01/02 0 1108222 N 09/01/32 0 8096047 286/286 F 70,000.00 ZZ 360 69,945.39 1 7.250 477.53 56 7.000 477.53 COLUMBUS OH 43214 2 08/08/02 00 1380916 05 10/01/02 0 1380916 N 09/01/32 0 8096053 286/286 F 49,400.00 ZZ 360 49,324.57 1 7.375 341.20 90 7.125 341.20 PENSACOLA FL 32526 1 07/30/02 14 1405980 03 09/01/02 25 1405980 N 08/01/32 0 1 8096055 286/286 F 124,100.00 ZZ 360 124,007.90 2 7.500 867.73 90 7.250 867.73 FAIRHAVEN MA 02719 1 08/30/02 14 1502429 05 10/01/02 25 1502429 N 09/01/32 0 8096063 286/286 F 54,000.00 ZZ 360 53,917.55 1 7.375 372.97 90 7.125 372.97 ROCHESTER PA 15074 1 07/31/02 10 1406126 05 09/01/02 25 1406126 N 08/01/32 0 8096067 286/286 F 61,200.00 ZZ 360 61,153.42 1 7.375 422.70 80 7.125 422.70 CASA GRANDE AZ 85222 1 08/23/02 00 1476889 05 10/01/02 0 1476889 N 09/01/32 0 8096081 286/286 F 64,350.00 ZZ 360 64,302.24 1 7.500 449.95 90 7.250 449.95 DELTONA FL 32738 1 08/07/02 14 1413552 05 10/01/02 25 1413552 N 09/01/32 0 8096091 286/286 F 138,600.00 ZZ 360 138,377.66 2 7.125 933.78 90 6.875 933.78 BIDDEFORD ME 04005 1 07/29/02 12 1451220 05 09/01/02 25 1451220 N 08/01/32 0 8096097 286/286 F 79,200.00 ZZ 360 78,771.49 2 1 7.500 553.78 90 7.250 553.78 LUDINGTON MI 49431 1 07/22/02 10 1388982 05 09/01/02 25 1388982 N 08/01/32 0 8096099 286/286 F 70,000.00 ZZ 360 69,841.18 1 6.875 459.86 58 6.625 459.86 ARLINGTON VA 22204 1 08/19/02 00 1491104 01 10/01/02 0 1491104 N 09/01/32 0 8096101 286/286 F 75,000.00 ZZ 360 74,941.49 1 7.250 511.64 69 7.000 511.64 CHATTANOOGA TN 37421 5 08/20/02 00 1443384 05 10/01/02 0 1443384 N 09/01/32 0 8096103 286/286 F 162,000.00 ZZ 360 161,860.52 2 6.750 1,050.73 90 6.500 1,050.73 STOCKTON CA 95210 1 08/29/02 10 1501280 05 10/01/02 25 1501280 N 09/01/32 0 8096105 286/286 F 67,050.00 ZZ 360 66,892.13 1 7.250 457.40 89 7.000 457.40 ALBUQUERQUE NM 87120 1 06/17/02 12 1445406 05 08/01/02 25 1445406 N 07/01/32 0 8096109 286/286 F 258,400.00 ZZ 360 257,968.12 4 7.250 1,762.75 80 7.000 1,762.75 PROSPECT PARK NJ 07508 1 08/05/02 00 1361856 05 09/01/02 0 1 1361856 N 08/01/32 0 8096111 286/286 F 87,300.00 ZZ 360 87,166.73 1 7.375 602.96 90 7.125 602.96 TUCSON AZ 85719 1 07/29/02 14 1311836 03 09/01/02 25 1311836 N 08/01/32 0 8096119 286/286 F 103,410.00 ZZ 360 103,333.25 1 7.500 723.06 90 7.250 723.06 POWDER SPRINGS GA 30127 1 08/06/02 12 1407434 05 10/01/02 25 1407434 N 09/01/32 0 8096123 286/286 F 62,000.00 ZZ 360 61,946.61 1 6.750 402.14 62 6.500 402.14 STOCKTON CA 95203 5 08/26/02 00 1416610 05 10/01/02 0 1416610 N 09/01/32 0 8096125 286/286 F 33,750.00 ZZ 360 33,750.00 1 7.250 230.24 68 7.000 230.24 BRAZIL IN 47834 5 09/06/02 00 1491251 05 11/01/02 0 1491251 N 10/01/32 0 8096127 286/286 F 74,000.00 ZZ 360 73,889.82 1 7.500 517.42 78 7.250 517.42 LAS VEGAS NV 89115 2 07/26/02 00 1019049 03 09/01/02 0 1019049 N 08/01/32 0 1 8096131 286/286 F 109,350.00 ZZ 360 109,183.07 2 7.375 755.26 90 7.125 755.26 LAKE ELSINORE CA 92530 1 07/26/02 12 1432417 05 09/01/02 30 1432417 N 08/01/32 0 8096133 286/286 F 86,250.00 ZZ 360 86,118.33 2 7.375 595.71 75 7.125 595.71 RED BANK TN 37415 5 07/24/02 00 1377277 05 09/01/02 0 1377277 N 08/01/32 0 8096135 286/286 F 160,000.00 ZZ 360 159,865.58 1 6.875 1,051.09 56 6.625 1,051.09 SANTA MONICA CA 90404 2 08/07/02 00 808296 01 10/01/02 0 808296 N 09/01/32 0 8096137 286/286 F 31,500.00 ZZ 360 31,427.66 1 7.375 217.56 90 7.125 217.56 GRAND PRAIRIE TX 75050 1 06/26/02 12 1442792 05 08/01/02 25 1442792 N 07/01/32 0 8096143 286/286 F 46,800.00 ZZ 360 46,723.04 1 7.000 311.37 90 6.750 311.37 PHILADELPHIA PA 19145 1 07/26/02 10 1396666 05 09/01/02 25 1396666 N 08/01/32 0 8096145 286/286 F 104,000.00 ZZ 360 103,920.86 1 7.375 718.31 90 7.125 718.31 1 LOS MOLINOS CA 96055 1 08/08/02 10 1476098 05 10/01/02 25 1476098 N 09/01/32 0 8096147 286/286 F 93,790.00 ZZ 360 93,650.34 1 7.500 655.80 90 7.250 655.80 ROYAL OAK MI 48073 1 07/19/02 11 1081837 01 09/01/02 25 1081837 N 08/01/32 0 8096153 286/286 F 135,000.00 ZZ 360 134,788.74 1 7.250 920.94 90 7.000 920.94 MIAMI FL 33193 1 07/19/02 10 1374733 03 09/01/02 25 1374733 N 08/01/32 0 8096159 286/286 F 122,300.00 ZZ 360 122,202.20 1 7.125 823.96 90 6.875 823.96 HENDERSON NV 89074 1 08/16/02 10 1464079 03 10/01/02 25 1464079 N 09/01/32 0 8096161 286/286 F 52,800.00 ZZ 360 52,721.38 1 7.500 369.19 80 7.250 369.19 ORLANDO FL 32822 1 07/22/02 00 1428757 01 09/01/02 0 1428757 N 08/01/32 0 8096163 286/286 F 103,040.00 ZZ 360 102,886.58 1 7.500 720.47 80 7.250 720.47 LANCASTER PA 17601 1 07/30/02 00 1299362 03 09/01/02 0 1299362 N 08/01/32 0 1 8096177 286/286 F 174,000.00 ZZ 360 173,860.85 1 7.125 1,172.28 77 6.875 1,172.28 GREENWOOD IN 46142 2 08/21/02 00 1442748 05 10/01/02 0 1442748 N 09/01/32 0 8096179 286/286 F 92,000.00 ZZ 360 91,926.42 1 7.125 619.83 80 6.875 619.83 INDIANAPOLIS IN 46227 2 08/21/02 00 1443437 05 10/01/02 0 1443437 N 09/01/32 0 8096181 286/286 F 82,800.00 ZZ 360 82,512.99 1 7.375 571.88 90 7.125 571.88 GERMANTOWN MD 20874 1 07/30/02 11 1439940 01 09/01/02 25 1439940 N 08/01/32 0 8096193 286/286 F 156,000.00 ZZ 360 155,875.24 1 7.125 1,051.01 80 6.875 1,051.01 AUSTIN TX 78722 1 08/16/02 00 1390200 05 10/01/02 0 1390200 N 09/01/32 0 8096211 286/286 F 47,000.00 ZZ 360 46,963.33 1 7.250 320.63 22 7.000 320.63 NORFOLK VA 23518 1 08/15/02 00 1458394 05 10/01/02 0 1458394 N 09/01/32 0 8096215 286/286 F 117,000.00 ZZ 300 116,858.40 2 1 7.125 836.29 90 6.875 836.29 NEW ORLEANS LA 70117 1 08/29/02 14 1477378 05 10/01/02 25 1477378 N 09/01/27 0 8096219 286/286 F 115,000.00 ZZ 360 114,910.28 1 7.250 784.51 78 7.000 784.51 PEMBROKE PINES FL 33029 1 08/15/02 00 1472574 03 10/01/02 0 1472574 N 09/01/32 0 8096223 286/286 F 62,900.00 ZZ 360 62,852.13 1 7.375 434.44 90 7.125 434.44 PANAMA CITY BEA FL 32413 1 08/09/02 10 1483725 05 10/01/02 25 1483725 N 09/01/32 0 8096225 286/286 F 50,500.00 ZZ 360 50,462.52 1 7.500 353.11 83 7.250 353.11 TALLAHASSEE FL 32305 2 08/08/02 10 1433927 05 10/01/02 25 1433927 N 09/01/32 0 8096227 286/286 F 50,500.00 ZZ 360 50,462.52 1 7.500 353.11 88 7.250 353.11 TALLAHASSEE FL 32301 2 08/08/02 10 1434215 05 10/01/02 25 1434215 N 09/01/32 0 8096233 286/286 F 114,300.00 ZZ 360 114,121.12 2 7.250 779.73 86 7.000 779.73 PERTH AMBOY NJ 08861 1 08/05/02 11 1415487 05 09/01/02 25 1 1415487 N 08/01/32 0 8096239 286/286 F 256,900.00 ZZ 360 256,517.48 3 7.500 1,796.29 70 7.250 1,796.29 CHELSEA MA 02445 5 07/31/02 00 1358277 05 09/01/02 0 1358277 N 08/01/32 0 8096241 286/286 F 256,900.00 ZZ 360 256,517.48 3 7.500 1,796.29 70 7.250 1,796.29 CHELSEA MA 02445 5 07/31/02 00 1358278 05 09/01/02 0 1358278 N 08/01/32 0 8096243 286/286 F 256,900.00 ZZ 360 256,517.48 3 7.500 1,796.29 70 7.250 1,796.29 CHELSEA CITY MA 02150 5 07/31/02 00 1358279 05 09/01/02 0 1358279 N 08/01/32 0 8096251 286/286 F 54,000.00 ZZ 360 53,919.59 1 7.500 377.58 72 7.250 377.58 LOUISVILLE KY 40215 2 07/26/02 00 1401765 05 09/01/02 0 1401765 N 08/01/32 0 8096255 286/286 F 60,000.00 ZZ 360 59,910.66 1 7.500 419.53 50 7.250 419.53 PHILADELPHIA PA 19111 1 07/23/02 00 1304476 05 09/01/02 0 1304476 N 08/01/32 0 1 8096259 286/286 F 65,000.00 ZZ 360 64,941.23 1 6.500 410.85 60 6.250 410.85 HEMET CA 92543 2 08/13/02 00 1426686 05 10/01/02 0 1426686 N 09/01/32 0 8096263 286/286 F 99,150.00 ZZ 360 99,072.65 1 7.250 676.38 75 7.000 676.38 RENO NV 89506 1 08/20/02 00 761050 03 10/01/02 0 761050 N 09/01/32 0 8096265 286/286 F 121,450.00 ZZ 360 121,355.26 1 7.250 828.50 90 7.000 828.50 BIG BEAR LAKE CA 92315 1 08/14/02 14 809017 05 10/01/02 25 809017 N 09/01/32 0 8096267 286/286 F 59,850.00 ZZ 360 59,805.58 1 7.500 418.48 90 7.250 418.48 MUNCIE IN 47303 1 08/05/02 21 1448456 05 10/01/02 25 1448456 N 09/01/32 0 8096269 286/286 F 65,600.00 ZZ 360 65,497.33 2 7.250 447.51 80 7.000 447.51 CLEVELAND OH 44102 5 08/02/02 00 1401609 05 09/01/02 0 1401609 N 08/01/32 0 8096271 286/286 F 56,000.00 ZZ 360 55,955.22 1 7.125 377.28 35 6.875 377.28 1 ARVADA CO 80005 2 08/06/02 00 1401117 01 10/01/02 0 1401117 N 09/01/32 0 8096273 286/286 F 50,000.00 ZZ 360 49,960.02 1 7.125 336.86 55 6.875 336.86 LAKEWOOD CO 80227 5 08/06/02 00 1401124 01 10/01/02 0 1401124 N 09/01/32 0 8096277 286/286 F 95,200.00 ZZ 360 94,846.49 2 7.125 641.38 80 6.875 641.38 RED WING MN 55066 1 07/10/02 00 1342081 05 09/01/02 0 1342081 N 08/01/32 0 8096279 286/286 F 77,400.00 ZZ 360 77,341.10 1 7.375 534.59 78 7.125 534.59 LORAIN OH 44055 5 08/01/02 00 1399293 05 10/01/02 0 1399293 N 09/01/32 0 8096281 286/286 F 81,600.00 ZZ 360 81,472.30 1 7.250 556.66 80 7.000 556.66 HOLLISTER MO 65672 2 07/24/02 00 1382517 05 09/01/02 0 1382517 N 08/01/32 0 8096283 286/286 F 81,600.00 ZZ 360 81,458.73 1 7.250 556.66 80 7.000 556.66 HOLLISTER MO 65672 2 07/24/02 00 1382525 05 09/01/02 0 1382525 N 08/01/32 0 1 8096285 286/286 F 91,800.00 ZZ 360 91,656.34 1 7.250 626.24 89 7.000 626.24 HOLLISTER MO 65672 2 07/24/02 11 1382531 05 09/01/02 25 1382531 N 08/01/32 0 8096287 286/286 F 91,800.00 ZZ 360 91,656.34 1 7.250 626.24 90 7.000 626.24 HOLLISTER MO 65672 2 07/24/02 11 1382535 05 09/01/02 25 1382535 N 08/01/32 0 8096289 286/286 F 91,800.00 ZZ 360 91,656.34 1 7.250 626.24 90 7.000 626.24 HOLLISTER MO 65672 2 07/24/02 11 1382538 05 09/01/02 25 1382538 N 08/01/32 0 8096293 286/286 F 102,400.00 ZZ 360 102,318.11 1 7.125 689.89 80 6.875 689.89 PROVO UT 84604 1 08/29/02 00 1499341 05 10/01/02 0 1499341 N 09/01/32 0 8096297 286/286 F 39,000.00 ZZ 360 38,941.92 1 7.500 272.70 56 7.250 272.70 HOGANSVILLE GA 30230 5 07/16/02 00 1285811 05 09/01/02 0 1285811 N 08/01/32 0 8096301 286/286 F 175,000.00 ZZ 360 174,818.47 1 1 6.500 1,106.12 60 6.250 1,106.12 EL CAJON CA 92021 5 08/20/02 00 1112336 05 10/01/02 0 1112336 N 09/01/32 0 8096303 286/286 F 13,500.00 ZZ 360 13,351.55 1 7.125 90.96 90 6.875 90.96 WASHINGTON PA 15301 1 07/01/02 10 1088248 05 08/01/02 25 1088248 N 07/01/32 0 8096307 286/286 F 168,000.00 ZZ 360 167,749.84 1 7.500 1,174.69 80 7.250 1,174.69 ELLICOTT CITY MD 21043 1 07/30/02 00 1352129 05 09/01/02 0 1352129 N 08/01/32 0 8096309 286/286 F 100,000.00 ZZ 360 99,915.99 1 6.875 656.93 49 6.625 656.93 YUCAIPA CA 92399 1 08/16/02 00 1449511 05 10/01/02 0 1449511 N 09/01/32 0 8096311 286/286 F 48,000.00 ZZ 360 47,928.52 1 7.500 335.63 80 7.250 335.63 INDIANAPOLIS IN 46203 1 08/05/02 00 1431775 05 09/01/02 0 1431775 N 08/01/32 0 8096493 286/286 F 71,500.00 ZZ 360 71,385.30 1 7.125 481.71 75 6.875 481.71 CAMBY IN 46113 2 07/30/02 00 1398912 05 09/01/02 0 1 1398912 N 08/01/32 0 8096495 286/286 F 120,000.00 ZZ 360 119,812.19 1 7.250 818.62 76 7.000 818.62 ARLINGTON VA 22206 5 07/31/02 00 1430508 01 09/01/02 0 1430508 N 08/01/32 0 8096497 286/286 F 100,200.00 ZZ 360 100,123.75 2 7.375 692.06 56 7.125 692.06 CRANSTON RI 02905 2 08/28/02 00 1473906 05 10/01/02 0 1473906 N 09/01/32 0 8096505 286/286 F 134,500.00 ZZ 360 132,861.65 3 7.375 928.96 57 7.125 928.96 WILDWOOD CREST NJ 08260 5 08/15/02 00 1045152 05 10/01/02 0 1045152 N 09/01/32 0 8096507 286/286 F 101,250.00 ZZ 360 101,095.44 1 7.375 699.31 75 7.125 699.31 ARLINGTON VA 22204 5 07/30/02 00 1394215 01 09/01/02 0 1394215 N 08/01/32 0 8096509 286/286 F 64,000.00 ZZ 360 63,917.16 1 7.500 447.50 80 7.250 447.50 BIRMINGHAM AL 35205 1 08/15/02 00 1472723 05 10/01/02 0 1472723 N 09/01/32 0 1 8096513 286/286 F 136,080.00 ZZ 360 135,953.96 1 6.375 848.97 90 6.125 848.97 SPARKS NV 89434 1 08/23/02 10 1491781 05 10/01/02 30 1491781 N 09/01/32 0 8096515 286/286 F 22,500.00 ZZ 360 22,449.61 1 7.500 157.32 90 7.250 157.32 LUBBOCK TX 79415 1 06/18/02 21 1400648 05 08/01/02 25 1400648 N 07/01/32 0 8096573 U05/G02 F 146,000.00 ZZ 360 146,000.00 1 6.750 946.95 80 6.500 946.95 BEAVERTON OR 97006 2 09/26/02 00 0434706644 09 11/01/02 0 3266985 N 10/01/32 0 8097091 E22/G02 F 108,000.00 ZZ 360 108,000.00 1 6.500 682.63 80 6.250 682.63 SHENANDOAH TX 77380 5 10/01/02 00 0414968925 03 11/01/02 0 0414968925 O 10/01/32 0 8097163 E22/G02 F 151,000.00 ZZ 360 151,000.00 1 7.500 1,055.81 95 7.250 1,055.81 HENDERSONVILLE NC 28792 2 09/30/02 01 0414546564 05 11/01/02 30 0414546564 O 10/01/32 0 8097533 K15/G02 F 89,600.00 ZZ 360 89,600.00 1 7.000 596.11 80 6.750 596.11 1 BROOK PARK MN 55007 5 09/26/02 00 0434706404 05 11/01/02 0 013105503255 O 10/01/32 0 8097853 E57/G02 F 300,000.00 ZZ 360 300,000.00 1 6.375 1,871.61 80 6.125 1,871.61 IRVINE CA 92614 5 09/23/02 00 0434711636 05 11/01/02 0 06009813 O 10/01/32 0 8099825 L16/G02 F 90,000.00 ZZ 360 90,000.00 4 7.000 598.77 90 6.750 598.77 BAKERSFIELD CA 93306 1 09/27/02 04 0434704102 05 11/01/02 25 6645 N 10/01/32 0 8099937 532/G02 F 107,000.00 ZZ 360 106,900.90 1 6.375 667.54 75 6.125 667.54 TAYLORSVILLE UT 84118 5 09/26/02 00 0434722823 05 10/30/02 0 PF03024 O 09/30/32 0 8100297 F62/F62 F 190,400.00 ZZ 360 190,400.00 1 7.250 1,298.86 80 7.000 1,298.86 COCONUT CREEK FL 33073 1 09/17/02 00 28593 05 11/01/02 0 28593 O 10/01/32 0 8101325 P59/G02 F 215,000.00 ZZ 240 215,000.00 1 6.000 1,540.33 67 5.750 1,540.33 QUARTZ HILL CA 93536 5 09/18/02 00 0434711529 05 11/01/02 0 AT004417 O 10/01/22 0 1 8102145 E60/G02 F 151,000.00 ZZ 360 151,000.00 1 6.375 942.04 51 6.125 942.04 CONCORD CA 94521 5 09/27/02 00 0434706172 05 11/01/02 0 514791 O 10/01/32 0 8102243 X67/G02 F 168,800.00 ZZ 360 168,800.00 1 6.750 1,094.83 80 6.500 1,094.83 MURRIETA CA 92562 1 09/30/02 00 0434703294 05 11/01/02 0 00270123 N 10/01/32 0 8104059 K39/G02 F 155,000.00 ZZ 360 155,000.00 1 6.500 979.71 80 6.250 979.71 LENOIR CITY TN 37771 2 09/24/02 00 0434702379 05 11/01/02 0 413867859 O 10/01/32 0 8108187 P59/G02 F 250,000.00 ZZ 360 250,000.00 1 6.375 1,559.67 83 6.125 1,559.67 ATASCADERO CA 93422 5 09/25/02 01 0434725354 05 11/01/02 12 AT004303 O 10/01/32 0 8318414 M24/G02 F 137,800.00 ZZ 360 137,459.14 1 7.000 916.79 84 6.750 916.79 FONTANA CA 92337 2 06/25/02 14 0434433413 05 08/01/02 12 2882002029 O 07/01/32 0 8326062 P90/G02 F 72,060.00 ZZ 360 72,000.93 1 1 7.000 479.42 80 6.750 479.42 OKLAHOMA CITY OK 73162 1 09/03/02 00 0434560884 05 10/03/02 0 958557 O 09/03/32 0 8326882 E23/G02 F 267,750.00 ZZ 360 267,750.00 1 7.000 1,781.35 85 6.750 1,781.35 POMONA CA 91766 1 09/03/02 04 0434573804 05 11/01/02 12 51017560 O 10/01/32 0 8327392 E23/G02 F 292,000.00 ZZ 360 292,000.00 1 6.375 1,821.70 80 6.125 1,821.70 PARK CITY UT 84098 1 09/03/02 00 0434598389 03 11/01/02 0 41004361 O 10/01/32 0 8327400 L20/G02 F 102,400.00 ZZ 360 102,400.00 2 6.875 672.70 80 6.625 672.70 RENO NV 89502 1 09/12/02 00 0434624318 05 11/01/02 0 609038 N 10/01/32 0 8327404 L20/G02 F 104,300.00 ZZ 360 104,300.00 3 7.000 693.91 70 6.750 693.91 RENO NV 89502 1 09/12/02 00 0434615399 05 11/01/02 0 609036 N 10/01/32 0 8327412 L20/G02 F 86,400.00 ZZ 360 86,400.00 1 6.750 560.39 80 6.500 560.39 RENO NV 89502 1 09/12/02 00 0434624334 05 11/01/02 0 1 609037 N 10/01/32 0 8327696 E23/G02 F 175,450.00 ZZ 360 175,450.00 1 6.500 1,108.96 90 6.250 1,108.96 DOWNEY CA 90240 1 09/06/02 04 0434617627 05 11/01/02 25 51018453 O 10/01/32 0 8328172 E23/G02 F 248,000.00 ZZ 360 248,000.00 1 6.375 1,547.20 80 6.125 1,547.20 BEAR VALLEY CA 95223 1 09/12/02 00 0434626669 05 11/01/02 0 63000167 O 10/01/32 0 8328734 E23/G02 F 243,000.00 ZZ 360 243,000.00 1 6.500 1,535.93 73 6.250 1,535.93 DIXON CA 95620 5 09/01/02 00 0434642765 05 11/01/02 0 51018357 O 10/01/32 0 8329772 E23/G02 F 67,200.00 ZZ 360 67,200.00 1 7.000 447.08 80 6.750 447.08 RIO LINDA CA 95626 1 09/09/02 00 0434680302 05 11/01/02 0 71004202 N 10/01/32 0 8329856 E23/G02 F 127,000.00 ZZ 360 127,000.00 1 6.750 823.72 44 6.500 823.72 SANTEE CA 92071 5 09/25/02 00 0434698239 05 11/01/02 0 11013314 O 10/01/32 0 1 TOTAL NUMBER OF LOANS : 1,413 TOTAL ORIGINAL BALANCE : 211,389,484.00 TOTAL PRINCIPAL BALANCE : 211,243,698.99 TOTAL ORIGINAL P+I : 1,387,362.72 TOTAL CURRENT P+I : 1,387,362.72 *************************** * END OF REPORT * *************************** RUN ON : 10/28/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 14.22.15 FIXED PASSTHRU REPORT AMORTIZED BALANCE SERIES : RALI 2002-QS15 NON-CONFORMING CUTOFF : 10/01/02 POOL : 0004635 : : 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 -------------------------------------------------------------------------- 3627605 .2500 215,787.62 .0800 8.3750 .0000 8.1250 .0000 8.0450 .0000 6.0000 2.0450 4220251 .2500 276,447.85 .0800 8.8750 .0000 8.6250 .0000 8.5450 .0000 6.0000 2.5450 6836422 .2500 42,882.14 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 6986597 .2500 224,191.58 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7210115 .2500 144,335.97 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.0000 1.9200 7512386 .2500 364,034.33 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 1 7724713 .2500 128,250.58 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.0000 1.7950 7734749 .2500 394,340.96 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7755473 .2500 194,828.56 .0800 7.9500 .0000 7.7000 .0000 7.6200 .0000 6.0000 1.6200 7763541 .2500 56,872.31 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7792051 .2500 332,145.81 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7792379 .2500 67,849.44 .0800 8.9900 .0000 8.7400 .0000 8.6600 .0000 6.0000 2.6600 7812301 .2500 622,864.10 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7812485 .2500 81,647.30 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 1 7812705 .2500 81,367.36 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7812811 .2500 24,330.42 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7812879 .2500 367,779.50 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 7812931 .2500 157,062.17 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7814837 .2500 45,846.19 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7814839 .2500 48,835.91 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7814853 .2500 77,434.91 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7815057 .2500 69,605.03 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 1 7815189 .2500 118,840.44 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7815263 .2500 58,177.76 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7821475 .2500 331,925.28 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7851685 .2500 466,213.69 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7852055 .2500 94,868.81 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7853935 .2500 399,358.36 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 7860097 .2500 221,502.62 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7863899 .2500 88,081.00 .0800 7.9900 .0000 7.7400 .0000 7.6600 .0000 6.0000 1.6600 1 7874037 .2500 99,492.82 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7883887 .2500 85,322.30 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7888503 .2500 52,933.02 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7889087 .2500 363,401.52 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 7892735 .2500 101,359.83 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7898097 .2500 66,902.71 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7904933 .2500 111,049.98 .0800 7.9900 .0000 7.7400 .0000 7.6600 .0000 6.0000 1.6600 7920885 .2500 152,783.33 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 7921545 .2500 80,879.40 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7921973 .2500 188,732.34 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7924237 .2500 42,336.86 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7927941 .2500 60,220.83 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.0000 1.7950 7933973 .2500 47,966.12 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7936693 .2500 55,886.33 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7936817 .2500 20,957.42 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7936845 .2500 94,287.71 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 7937083 .2500 100,527.21 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7937201 .2500 57,474.14 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7943805 .2500 132,903.73 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7947717 .2500 33,227.69 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7952143 .2500 384,253.42 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 7952149 .2500 102,294.58 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7952153 .2500 350,502.35 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7952155 .2500 99,868.72 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.0000 1.7950 1 7952167 .2500 172,546.65 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7952181 .2500 107,741.26 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7952187 .2500 648,982.80 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 7952191 .2500 162,108.26 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7952213 .2500 72,754.27 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7952577 .2500 41,570.64 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7954837 .2500 114,079.83 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.0000 1.9200 7954987 .2500 53,959.92 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 7959625 .2500 59,781.53 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7959987 .2500 87,054.12 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7960023 .2500 47,201.70 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7960259 .2500 46,705.14 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7960939 .2500 71,949.18 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7964697 .2500 22,376.33 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7964717 .2500 70,955.91 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7964739 .2500 108,679.32 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 1 7964743 .2500 42,653.48 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7964753 .2500 73,512.72 .0800 8.2500 .0000 8.0000 .0000 7.9200 .0000 6.0000 1.9200 7964777 .2500 34,950.42 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7964783 .2500 58,377.87 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7969945 .2500 20,385.97 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7974343 .2500 79,943.54 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7977025 .2500 51,714.39 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7977831 .2500 373,598.06 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 1 7978465 .2500 319,731.16 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7982195 .2500 45,168.90 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7986231 .2500 407,697.20 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 7987583 .2500 114,920.86 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7987845 .2500 52,664.64 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 7990609 .2500 318,000.00 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7991457 .2500 389,672.35 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 7993219 .2500 301,240.42 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 1 7993299 .2500 37,174.40 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7993399 .2500 117,878.82 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 7993707 .2500 98,856.23 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 7994347 .2500 68,951.30 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7994709 .2500 91,935.07 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 7994823 .2500 434,643.43 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 7995867 .2500 524,600.52 .0800 7.3750 .0000 7.1250 .0000 7.0450 .0000 6.0000 1.0450 7995895 .2500 197,690.97 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 7996203 .2500 80,924.98 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 7999773 .2500 317,876.50 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8001131 .2500 74,644.57 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8001217 .2500 314,777.67 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8001305 .2500 440,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8001341 .2500 132,903.73 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8001357 .2500 119,700.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8001395 .2500 189,369.58 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 1 8001425 .2500 75,500.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8002259 .2500 199,814.76 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8002495 .2500 26,982.34 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.0000 1.7950 8003267 .2500 320,485.07 .0800 7.1250 .0000 6.8750 .0000 6.7950 .0000 6.0000 .7950 8004745 .2500 491,466.01 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8004769 .2500 383,669.38 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8004773 .2500 449,193.55 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8004993 .2500 75,943.59 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 1 8005107 .2500 111,922.92 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8005199 .2500 579,488.28 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8005227 .2500 472,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8005279 .2500 179,866.41 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8005301 .2500 76,447.35 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8005305 .2500 76,447.35 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8006417 .2500 415,632.98 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8007097 .2500 439,656.75 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 1 8007231 .2500 379,664.74 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8007343 .2500 208,844.89 .0800 7.5000 .0000 7.2500 .0000 7.1700 .0000 6.0000 1.1700 8007889 .2500 459,613.55 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8007979 .2500 176,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8009395 .2500 94,934.62 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8009483 .2500 42,300.00 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8009523 .2500 101,875.56 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8009611 .2500 99,529.70 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 8009697 .2500 399,620.46 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8010951 .2500 433,607.65 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8011213 .2500 341,283.61 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8011663 .2500 377,458.38 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8011825 .2500 256,136.75 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8013759 .2500 36,604.15 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8013825 .2500 51,714.39 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8013875 .2500 18,400.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 1 8013907 .2500 58,500.00 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 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8095953 .2500 44,934.65 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8095967 .2500 98,028.99 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8095971 .2500 49,414.91 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8095973 .2500 57,558.31 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8095983 .2500 48,730.89 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8095987 .2500 49,925.34 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8095991 .2500 50,912.81 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8095995 .2500 55,880.66 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 8095999 .2500 35,950.28 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8096005 .2500 112,348.52 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8096007 .2500 83,587.29 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8096013 .2500 93,464.07 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096015 .2500 44,019.25 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096017 .2500 70,152.98 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8096023 .2500 34,176.46 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8096037 .2500 170,751.68 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 1 8096049 .2500 67,404.41 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096051 .2500 55,943.62 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096057 .2500 55,959.46 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096061 .2500 54,221.03 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096065 .2500 41,539.57 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096069 .2500 32,352.95 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096073 .2500 81,781.06 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096075 .2500 25,163.40 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 1 8096077 .2500 39,542.49 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096079 .2500 34,150.33 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096083 .2500 89,817.62 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8096085 .2500 98,799.38 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8096087 .2500 131,725.65 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8096093 .2500 35,974.59 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096107 .2500 77,793.65 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096113 .2500 102,358.45 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 1 8096115 .2500 107,850.85 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8096121 .2500 29,934.86 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096129 .2500 52,425.64 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096149 .2500 74,741.30 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096151 .2500 49,433.34 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8096155 .2500 134,603.94 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096157 .2500 134,803.94 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096165 .2500 56,210.29 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 1 8096169 .2500 41,643.85 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8096183 .2500 29,359.40 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8096185 .2500 44,936.26 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096187 .2500 44,936.26 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096191 .2500 33,660.77 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.0000 1.7950 8096217 .2500 50,264.49 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096229 .2500 72,140.11 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 8096231 .2500 72,135.08 .0800 7.8750 .0000 7.6250 .0000 7.5450 .0000 6.0000 1.5450 1 8096237 .2500 167,736.21 .0800 8.1250 .0000 7.8750 .0000 7.7950 .0000 6.0000 1.7950 8096249 .2500 61,155.71 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096253 .2500 39,546.68 .0800 8.0000 .0000 7.7500 .0000 7.6700 .0000 6.0000 1.6700 8096257 .2500 80,882.36 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096299 .2500 70,100.56 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096305 .2500 70,085.12 .0800 7.7500 .0000 7.5000 .0000 7.4200 .0000 6.0000 1.4200 8096499 .2500 47,630.72 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 8096501 .2500 67,302.11 .0800 7.6250 .0000 7.3750 .0000 7.2950 .0000 6.0000 1.2950 1 8096861 .2500 415,400.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8097421 .2500 650,000.00 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8097661 .2500 423,600.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8100963 .2500 600,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8101221 .2500 376,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 8101745 .2500 364,800.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8101937 .2500 362,500.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8101949 .2500 81,600.00 .0300 6.0000 .0000 5.7500 .0000 5.7200 .0000 5.7200 .0000 1 8321366 .2500 378,828.51 .0800 6.6250 .0000 6.3750 .0000 6.2950 .0000 6.0000 .2950 8325744 .2500 472,592.76 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8325996 .2500 379,656.47 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8326010 .2500 384,668.53 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8326134 .2500 549,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8327302 .2500 311,000.00 .0800 7.2500 .0000 7.0000 .0000 6.9200 .0000 6.0000 .9200 8327724 .2500 440,000.00 .0800 7.0000 .0000 6.7500 .0000 6.6700 .0000 6.0000 .6700 8327774 .2500 364,653.67 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 1 8327864 .2500 315,000.00 .0300 6.2500 .0000 6.0000 .0000 5.9700 .0000 5.9700 .0000 8327990 .2500 480,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8328092 .2500 310,000.00 .0800 6.5000 .0000 6.2500 .0000 6.1700 .0000 6.0000 .1700 8328098 .2500 328,000.00 .0800 6.7500 .0000 6.5000 .0000 6.4200 .0000 6.0000 .4200 8329168 .2500 392,000.00 .0800 6.8750 .0000 6.6250 .0000 6.5450 .0000 6.0000 .5450 8329472 .2500 376,000.00 .0800 6.3750 .0000 6.1250 .0000 6.0450 .0000 6.0000 .0450 TOTAL NUMBER OF LOANS: 788 TOTAL BALANCE........: 210,765,738.08 RUN ON : 10/28/02 RFC DISCLOSURE SYSTEM RFFSDFIX-01 AT : 14.22.15 INITIAL SECURITY FEES AMORTIZED BALANCE SERIES : RALI 2002-QS15 NON FIXED SUMMARY REPORT CUTOFF : 10/01/02 POOL : 0004635 : : POOL STATUS: F WEIGHTED AVERAGES FROM TO ---------------------------------------------------------------------------- CURR NOTE RATE 6.8065 6.0000 8.9900 RFC NET RATE 6.5561 5.7500 8.7400 NET MTG RATE(INVSTR RATE) 6.4807 5.7200 8.6600 POST STRIP RATE 5.9926 5.7200 6.0000 SUB SERV FEE .2504 .2500 .5000 MSTR SERV FEE .0754 .0300 .0800 ALL EXP .0000 .0000 .0000 MISC EXP .0000 .0000 .0000 SPREAD .0000 .0000 .0000 STRIP .4881 .0000 2.6600 TOTAL NUMBER OF LOANS: 788 TOTAL BALANCE........: 210,765,738.08 *************************** * END OF REPORT * *************************** RUN ON : 10/28/02 RFC DISCLOSURE SYSTEM RFFSD177-01 AT : 14.22.15 FIXED RATE LOAN LISTING AMORTIZED BALANCE SERIES : RALI 2002-QS15 NON-CONFORMING CUTOFF : 10/01/02 POOL : 0004635 : : 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 # ______________________________________________________________________________ 3627605 J95/J95 F 220,000.00 ZZ 360 215,787.62 1 8.375 1,672.16 69 8.125 1,672.16 FAIRFAX VA 22030 1 05/31/00 00 0020044251 05 07/01/00 0 0020044251 O 06/01/30 0 4220251 168/168 F 280,000.00 ZZ 360 276,447.85 1 8.875 2,227.81 80 8.625 2,227.81 BROOKLYN NY 11203 1 12/29/00 00 1867677 08 02/01/01 0 1867677 O 01/01/31 0 6836422 E22/G02 F 43,200.00 ZZ 360 42,882.14 1 7.875 313.23 90 7.625 313.23 TIFFIN OH 44883 1 12/05/01 04 0413284613 05 01/01/02 25 0413284613 O 12/01/31 0 6986597 U05/G02 F 224,502.84 ZZ 356 224,191.58 1 8.000 1,651.80 70 7.750 1,651.80 DALLAS TX 75214 5 04/01/02 00 0434612842 05 09/01/02 0 1 3216806 O 04/01/32 0 7210115 227/G02 F 144,900.00 ZZ 360 144,335.97 4 8.250 1,088.59 90 8.000 1,088.59 BALTIMORE MD 21218 1 03/15/02 10 0433910866 07 05/01/02 25 1987687 N 04/01/32 0 7512386 956/G02 F 367,200.00 ZZ 360 364,034.33 1 6.875 2,412.24 80 6.625 2,412.24 CAMAS WA 98607 1 10/29/01 00 0433617586 05 01/01/02 0 1111101075 O 12/01/31 0 7724713 601/G02 F 128,700.00 ZZ 360 128,250.58 4 8.125 955.60 90 7.875 955.60 TAMPA FL 33612 1 05/01/02 14 0434196630 05 06/01/02 25 61398509 N 05/01/32 0 7734749 E45/G02 F 396,000.00 ZZ 360 394,340.96 1 7.625 2,802.86 90 7.375 2,802.86 SMYRNA GA 30082 1 05/03/02 11 0434103875 05 06/01/02 25 236789 O 05/01/32 0 7755473 K39/G02 F 195,500.00 ZZ 360 194,828.56 1 7.950 1,427.71 85 7.700 1,427.71 UPPER MARLBORO MD 20774 5 05/07/02 10 0434184107 05 06/20/02 12 107509022 O 05/20/32 0 1 7763541 E22/G02 F 57,000.00 ZZ 360 56,872.31 1 7.500 398.55 75 7.250 398.55 TAMPA FL 33607 5 06/10/02 00 0414194837 05 08/01/02 0 0414194837 N 07/01/32 0 7792051 X31/G02 F 332,950.00 ZZ 360 332,145.81 1 7.125 2,243.15 90 6.875 2,243.15 HUNTINGTON BEAC CA 92646 1 06/12/02 10 0434214318 05 08/01/02 25 40102512 O 07/01/32 0 7792379 Q87/G02 F 68,000.00 ZZ 360 67,849.44 1 8.990 546.65 78 8.740 546.65 CROCKETT TX 75835 5 06/12/02 00 0434363628 05 07/17/02 0 TALI01 O 06/17/32 0 7812301 286/286 F 625,000.00 ZZ 360 622,864.10 1 7.250 4,263.61 60 7.000 4,263.61 DENVER CO 80203 5 05/20/02 00 1290858 01 07/01/02 0 1290858 O 06/01/32 0 7812485 286/286 F 81,900.00 ZZ 360 81,647.30 1 8.000 600.96 65 7.750 600.96 ST LOUIS MO 63104 5 05/30/02 00 1314910 05 07/01/02 0 1314910 O 06/01/32 0 7812705 286/286 F 81,600.00 ZZ 360 81,367.36 1 7.750 584.60 80 7.500 584.60 1 MESA AZ 85207 2 05/17/02 00 1308473 05 07/01/02 0 1308473 N 06/01/32 0 7812811 286/286 F 24,400.00 ZZ 360 24,330.42 1 7.750 174.81 80 7.500 174.81 KANSAS CITY MO 64132 5 06/05/02 00 1037257 05 07/01/02 0 1037257 N 06/01/32 0 7812879 286/286 F 369,000.00 ZZ 360 367,779.50 1 7.000 2,454.97 90 6.750 2,454.97 LIVERMORE CA 94550 5 05/21/02 10 797349 05 07/01/02 25 797349 N 06/01/32 0 7812931 286/286 F 157,500.00 ZZ 360 157,062.17 4 7.875 1,141.98 90 7.625 1,141.98 RENOIN NV 89502 1 05/16/02 10 818729 05 07/01/02 25 818729 O 06/01/32 0 7814837 286/286 F 46,000.00 ZZ 360 45,846.19 1 7.500 321.64 75 7.250 321.64 AKRON OH 44301 2 05/09/02 00 1282099 05 07/01/02 0 1282099 N 06/01/32 0 7814839 286/286 F 49,000.00 ZZ 360 48,835.91 1 7.500 342.62 78 7.250 342.62 AKRON OH 44301 5 05/09/02 00 1284241 05 07/01/02 0 1284241 N 06/01/32 0 1 7814853 286/286 F 77,600.00 ZZ 360 77,434.91 1 7.875 562.66 80 7.625 562.66 CHICAGO IL 60636 5 06/03/02 00 1300539 05 08/01/02 0 1300539 N 07/01/32 0 7815057 286/286 F 69,750.00 ZZ 360 69,605.03 1 7.875 505.74 75 7.625 505.74 PHOENIX AZ 85017 5 06/05/02 00 1321006 05 08/01/02 0 1321006 N 07/01/32 0 7815189 286/286 F 119,250.00 ZZ 360 118,840.44 1 7.750 854.33 90 7.500 854.33 CHICAGO IL 60611 1 05/28/02 12 1288414 01 07/01/02 25 1288414 N 06/01/32 0 7815263 286/286 F 58,500.00 ZZ 360 58,177.76 2 7.875 424.17 90 7.625 424.17 BAY CITY MI 48708 1 06/05/02 10 1314198 05 08/01/02 25 1314198 N 07/01/32 0 7821475 225/G02 F 333,000.00 T 360 331,925.28 1 7.125 2,243.49 84 6.875 2,243.49 DENNIS PORT MA 02639 2 05/28/02 11 0434220299 05 07/01/02 12 007367749 O 06/01/32 0 7851685 196/G02 F 468,000.00 ZZ 360 466,213.69 1 1 6.875 3,074.43 80 6.625 3,074.43 NORTHRIDGE CA 91326 1 06/14/02 00 0434258737 03 08/01/02 0 1544414 O 07/01/32 0 7852055 S27/G02 F 95,000.00 ZZ 360 94,868.81 1 7.875 688.82 75 7.625 688.82 DEARBORN MI 48126 2 07/03/02 00 0434281044 05 09/01/02 0 1810000003 N 08/01/32 0 7853935 E22/G02 F 400,000.00 ZZ 360 399,358.36 1 7.125 2,694.87 78 6.875 2,694.87 SUGAR LAND TX 77478 5 07/08/02 00 0414387126 03 09/01/02 0 0414387126 O 08/01/32 0 7860097 M27/G02 F 222,000.00 ZZ 360 221,502.62 1 7.500 1,552.26 100 7.250 1,552.26 GOODLETTSVILLE TN 37072 2 06/19/02 10 0434319638 03 08/01/02 35 5000028009 O 07/01/32 0 7863899 W50/G02 F 88,200.00 ZZ 360 88,081.00 1 7.990 646.57 90 7.740 646.57 SAINT PAUL MN 55103 1 07/02/02 01 0434332755 05 09/01/02 30 0020761 N 08/01/32 0 7874037 N67/G02 F 99,700.00 ZZ 360 99,492.82 1 7.875 722.89 77 7.625 722.89 PALM BAY FL 32909 1 06/25/02 00 0434302667 05 08/01/02 0 1 3252001707A O 07/01/32 0 7883887 313/G02 F 85,500.00 ZZ 360 85,322.30 4 7.875 619.94 75 7.625 619.94 HOMESTEAD FL 33030 5 06/11/02 00 0434331880 05 08/01/02 0 8741498 N 07/01/32 0 7888503 E22/G02 F 53,010.00 ZZ 360 52,933.02 4 7.625 375.20 90 7.375 375.20 DAYTON OH 45406 1 07/29/02 11 0414420794 05 09/01/02 25 0414420794 N 08/01/32 0 7889087 E82/G02 F 364,000.00 ZZ 360 363,401.52 1 7.000 2,421.70 80 6.750 2,421.70 ARLINGTON VA 22207 5 07/23/02 00 0400661450 03 09/01/02 0 0400661450 O 08/01/32 0 7892735 F89/G02 F 101,500.00 ZZ 360 101,359.83 1 7.875 735.95 70 7.625 735.95 LAS VEGAS NV 89104 5 07/11/02 00 0434346987 05 09/01/02 0 21852 N 08/01/32 0 7898097 E22/G02 F 67,000.00 ZZ 360 66,902.71 1 7.625 474.22 78 7.375 474.22 BOYNTON BEACH FL 33435 2 07/31/02 00 0414553859 05 09/01/02 0 0414553859 N 08/01/32 0 1 7904933 U85/G02 F 111,200.00 ZZ 360 111,049.98 1 7.990 815.17 80 7.740 815.17 STURGEON BAY WI 54235 1 07/29/02 00 0434353728 05 09/01/02 0 718119 N 08/01/32 0 7920885 E47/G02 F 153,000.00 ZZ 360 152,783.33 2 7.750 1,096.11 90 7.500 1,096.11 CHICAGO IL 60637 1 07/30/02 11 0434411567 05 09/01/02 30 7360513960 O 08/01/32 0 7921545 F36/G02 F 81,000.00 ZZ 360 80,879.40 1 7.500 566.36 90 7.250 566.36 TACOMA WA 98404 1 07/16/02 14 0434405957 05 09/01/02 30 06404579 N 08/01/32 0 7921973 R84/G02 F 189,000.00 ZZ 360 188,732.34 4 7.750 1,354.02 90 7.500 1,354.02 LAS VEGAS NV 89108 1 07/31/02 10 0434372512 05 09/01/02 25 LVW4320 N 08/01/32 0 7924237 E22/G02 F 42,400.00 ZZ 360 42,336.86 1 7.500 296.47 80 7.250 296.47 MEMPHIS TN 38109 1 08/06/02 00 0414490714 05 09/01/02 0 0414490714 N 08/01/32 0 7927941 E22/G02 F 60,300.00 ZZ 360 60,220.83 3 8.125 447.73 90 7.875 447.73 1 ECORSE MI 48229 1 07/17/02 11 0414459552 05 09/01/02 25 0414459552 N 08/01/32 0 7933973 X64/G02 F 48,000.00 ZZ 360 47,966.12 1 7.750 343.88 80 7.500 343.88 DETROIT MI 48204 1 08/06/02 00 0434476180 05 10/01/02 0 9109636 N 09/01/32 0 7936693 286/286 F 56,000.00 ZZ 360 55,886.33 1 8.000 410.91 70 7.750 410.91 ST LOUIS MO 63114 5 07/03/02 00 1361484 05 08/01/02 0 1361484 N 07/01/32 0 7936817 286/286 F 21,000.00 ZZ 360 20,957.42 1 8.000 154.10 75 7.750 154.10 MILWAUKEE WI 53223 1 06/28/02 00 1342305 01 08/01/02 0 1342305 N 07/01/32 0 7936845 286/286 F 94,500.00 ZZ 360 94,287.71 1 7.500 660.76 90 7.250 660.76 BALTIMORE MD 21230 1 06/25/02 12 1302669 05 08/01/02 25 1302669 N 07/01/32 0 7937083 286/286 F 100,700.00 ZZ 360 100,527.21 4 8.000 738.91 95 7.750 738.91 ST LOUIS MO 63118 1 07/15/02 11 1387216 05 09/01/02 30 1387216 O 08/01/32 0 1 7937201 286/286 F 57,600.00 ZZ 360 57,474.14 1 7.625 407.69 80 7.375 407.69 SPOKANE WA 99205 1 06/19/02 00 814832 05 08/01/02 0 814832 N 07/01/32 0 7943805 E22/G02 F 133,000.00 ZZ 360 132,903.73 1 7.625 941.37 95 7.375 941.37 MIAMI FL 33125 2 08/08/02 01 0414378802 05 10/01/02 30 0414378802 O 09/01/32 0 7947717 E22/G02 F 33,250.00 ZZ 360 33,227.69 1 8.000 243.98 95 7.750 243.98 TULSA OK 74136 1 08/14/02 04 0414636191 01 10/01/02 25 0414636191 O 09/01/32 0 7952143 J95/G02 F 388,000.00 ZZ 360 384,253.42 1 6.750 2,516.56 80 6.500 2,516.56 JAMUL CA 91935 2 11/02/01 00 0434479564 05 01/01/02 0 0020116216 O 12/01/31 0 7952149 J95/G02 F 103,000.00 ZZ 360 102,294.58 1 7.500 720.19 57 7.250 720.19 SCOTTSDALE AZ 85260 1 12/11/01 00 0434476057 01 02/01/02 0 0028110500 N 01/01/32 0 7952153 J95/G02 F 351,025.00 ZZ 360 350,502.35 1 1 7.500 2,454.42 95 7.250 2,454.42 GIG HARBOR WA 98332 1 07/19/02 10 0434475968 03 09/01/02 30 0029084449 O 08/01/32 0 7952155 J95/G02 F 100,000.00 ZZ 360 99,868.72 1 8.125 742.50 24 7.875 742.50 PLEASANTVILLE NY 10570 5 06/28/02 00 0434475950 05 09/01/02 0 0029096880 O 08/01/32 0 7952167 J95/G02 F 173,000.00 ZZ 360 172,546.65 4 7.500 1,209.64 90 7.250 1,209.64 MILWAUKEE WI 53218 1 06/21/02 04 0434474979 05 08/01/02 25 0029231743 O 07/01/32 0 7952181 J95/G02 F 108,000.00 ZZ 360 107,741.26 1 7.625 764.42 68 7.375 764.42 WAREHAM MA 02571 5 07/09/02 00 0434472650 05 09/01/02 0 0029363090 O 08/01/32 0 7952187 J95/G02 F 650,000.00 ZZ 360 648,982.80 1 7.250 4,434.15 67 7.000 4,434.15 CENTREVILLE VA 20120 2 07/03/02 00 0434480604 05 09/01/02 0 0029383403 O 08/01/32 0 7952191 J95/G02 F 162,350.00 ZZ 360 162,108.26 1 7.500 1,135.18 85 7.250 1,135.18 CHAMPLIN MN 55316 5 07/12/02 12 0434477816 05 09/01/02 12 1 0029421286 O 08/01/32 0 7952213 J95/G02 F 72,900.00 ZZ 360 72,754.27 1 7.500 509.73 90 7.250 509.73 SPOKANE WA 99206 1 07/09/02 04 0434478301 05 09/01/02 25 0029589496 O 08/01/32 0 7952577 E22/G02 F 41,600.00 ZZ 360 41,570.64 1 7.750 298.03 80 7.500 298.03 BRISTOL CT 06010 1 08/15/02 00 0414623033 05 10/01/02 0 0414623033 N 09/01/32 0 7954837 225/G02 F 114,300.00 ZZ 360 114,079.83 4 8.250 858.70 90 8.000 858.70 CHICAGO IL 60617 1 06/21/02 11 0434486916 05 08/01/02 25 007372357 N 07/01/32 0 7954987 E82/G02 F 54,000.00 ZZ 360 53,959.92 2 7.500 377.58 90 7.250 377.58 CHICAGO IL 60617 1 08/15/02 04 0400668950 05 10/01/02 30 0400668950 N 09/01/32 0 7959625 286/286 F 60,000.00 ZZ 360 59,781.53 1 7.625 424.68 75 7.375 424.68 COLUMBUS OH 43206 2 05/22/02 00 1288796 05 07/01/02 0 1288796 N 06/01/32 0 1 7959987 286/286 F 87,300.00 ZZ 360 87,054.12 1 7.500 610.41 90 7.250 610.41 TUCSON AZ 85730 1 06/27/02 12 1355844 05 08/01/02 25 1355844 N 07/01/32 0 7960023 286/286 F 47,300.00 ZZ 360 47,201.70 1 7.875 342.96 64 7.625 342.96 SAN ANTONIO TX 78217 5 06/24/02 00 1327464 05 08/01/02 0 1327464 N 07/01/32 0 7960259 286/286 F 46,800.00 ZZ 360 46,705.14 1 8.000 343.41 86 7.750 343.41 HAMMOND LA 70403 1 06/28/02 10 1347339 05 08/01/02 25 1347339 N 07/01/32 0 7960939 E22/G02 F 72,000.00 ZZ 360 71,949.18 1 7.750 515.82 90 7.500 515.82 CINCINNATI OH 45214 1 08/19/02 01 0414726463 05 10/01/02 25 0414726463 N 09/01/32 0 7964697 286/286 F 22,500.00 ZZ 360 22,376.33 1 7.875 163.15 90 7.625 163.15 PITTSBURGH PA 15206 1 04/29/02 12 1091492 05 06/01/02 25 1091492 N 05/01/32 0 7964717 286/286 F 71,100.00 ZZ 360 70,955.91 2 8.000 521.71 90 7.750 521.71 1 NORRISTOWN PA 19401 1 06/27/02 10 1100007 05 08/01/02 25 1100007 N 07/01/32 0 7964739 286/286 F 108,900.00 ZZ 360 108,679.32 4 8.000 799.07 90 7.750 799.07 ST LOUIS MO 63118 1 06/24/02 11 1341431 05 08/01/02 25 1341431 N 07/01/32 0 7964743 286/286 F 42,750.00 ZZ 360 42,653.48 1 7.500 298.92 75 7.250 298.92 MILWAUKEE WI 53218 5 06/28/02 00 1379975 05 08/01/02 0 1379975 N 07/01/32 0 7964753 286/286 F 73,800.00 ZZ 360 73,512.72 4 8.250 554.44 90 8.000 554.44 ST LOUIS MO 63118 1 04/02/02 21 1070283 05 05/01/02 25 1070283 N 04/01/32 0 7964777 286/286 F 35,000.00 ZZ 360 34,950.42 1 7.750 250.75 70 7.500 250.75 DETROIT MI 48202 5 07/19/02 00 1093229 05 09/01/02 0 1093229 N 08/01/32 0 7964783 286/286 F 58,500.00 ZZ 360 58,377.87 1 7.875 424.17 90 7.625 424.17 DELTONA FL 32725 1 06/28/02 14 1350808 05 08/01/02 25 1350808 N 07/01/32 0 1 7969945 N74/G02 F 20,400.00 ZZ 360 20,385.97 1 7.875 147.91 80 7.625 147.91 EDGEWOOD MD 21040 1 08/16/02 00 0434463493 01 10/01/02 0 0030578010 N 09/01/32 0 7974343 U35/G02 F 80,000.00 ZZ 360 79,943.54 1 7.750 573.13 80 7.500 573.13 DAVENPORT IA 52803 1 08/20/02 00 0434468864 05 10/01/02 0 7262507 O 09/01/32 0 7977025 737/G02 F 51,750.00 ZZ 360 51,714.39 1 7.875 375.22 90 7.625 375.22 ARLINGTON TX 76014 1 08/12/02 12 0434600367 05 10/01/02 30 2079047 N 09/01/32 0 7977831 964/G02 F 373,920.00 ZZ 360 373,598.06 1 6.750 2,425.24 74 6.500 2,425.24 LITTLETON CO 80128 2 08/21/02 00 0434618443 03 10/01/02 0 233156 O 09/01/32 0 7978465 E22/G02 F 320,000.00 ZZ 360 319,731.16 1 6.875 2,102.17 80 6.625 2,102.17 GERMANTOWN MD 20874 1 08/23/02 00 0414608224 03 10/01/02 0 0414608224 O 09/01/32 0 7982195 E22/G02 F 45,200.00 ZZ 360 45,168.90 1 1 7.875 327.73 80 7.625 327.73 GONZALES LA 70737 1 08/21/02 00 0414733147 05 10/01/02 0 0414733147 N 09/01/32 0 7986231 168/168 F 408,000.00 ZZ 360 407,697.20 1 7.500 2,852.80 80 7.250 2,852.80 COMMERCE TOWNSH MI 48382 1 08/16/02 00 0089497465 05 10/01/02 0 0089497465 O 09/01/32 0 7987583 E22/G02 F 115,000.00 ZZ 360 114,920.86 2 7.875 833.83 66 7.625 833.83 CINCINNATI OH 45210 5 08/28/02 00 0414496992 05 10/01/02 0 0414496992 N 09/01/32 0 7987845 E22/G02 F 52,700.00 ZZ 360 52,664.64 1 8.000 386.69 85 7.750 386.69 OMAHA NE 68102 2 08/28/02 01 0414734004 05 10/01/02 20 0414734004 N 09/01/32 0 7990609 F25/G02 F 318,000.00 ZZ 360 318,000.00 1 7.375 2,196.35 73 7.125 2,196.35 RIVERSIDE CT 06878 2 08/28/02 00 0434501151 05 11/01/02 0 870784 O 10/01/32 0 7991457 G51/G02 F 390,000.00 ZZ 360 389,672.35 1 6.875 2,562.03 84 6.625 2,562.03 SAN JOSE CA 95123 1 08/21/02 04 0434576112 05 10/01/02 12 1 20000145 O 09/01/32 0 7993219 E22/G02 F 301,500.00 ZZ 360 301,240.42 1 6.750 1,955.52 90 6.500 1,955.52 ORANGE CA 92867 1 08/15/02 04 0414558932 05 10/01/02 25 0414558932 O 09/01/32 0 7993299 E22/G02 F 37,200.00 ZZ 360 37,174.40 1 7.875 269.73 80 7.625 269.73 CLEVELAND HEIGH OH 44112 1 08/29/02 00 0414676254 05 10/01/02 0 0414676254 N 09/01/32 0 7993399 E22/G02 F 117,960.00 ZZ 360 117,878.82 2 7.875 855.29 80 7.625 855.29 LUDLOW VT 05149 1 08/29/02 00 0414805267 05 10/01/02 0 0414805267 N 09/01/32 0 7993707 Q30/G02 F 99,000.00 ZZ 360 98,856.23 1 7.625 700.72 90 7.375 700.72 TOBYHANNA PA 18347 1 07/31/02 10 0434593588 03 09/01/02 25 21015589 N 08/01/32 0 7994347 N56/G02 F 69,000.00 ZZ 360 68,951.30 1 7.750 494.32 43 7.500 494.32 HIGHLAND MI 48357 5 08/30/02 00 0434519781 05 10/01/02 0 7263625 N 09/01/32 0 1 7994709 K15/G02 F 92,000.00 ZZ 360 91,935.07 1 7.750 659.10 80 7.500 659.10 APEX NC 27502 2 08/26/02 41 0434693305 04 10/01/02 20 0175205303123 N 09/01/32 0 7994823 168/168 F 435,000.00 ZZ 360 434,643.43 1 7.000 2,894.07 80 6.750 2,894.07 JAMESVILLE NY 13078 2 08/16/02 00 0089407598 05 10/01/02 0 0089407598 O 09/01/32 0 7995867 E22/G02 F 525,000.00 ZZ 360 524,600.52 1 7.375 3,626.04 70 7.125 3,626.04 WATERFORD MI 48328 5 08/28/02 00 0414626770 29 10/01/02 0 0414626770 O 09/01/32 0 7995895 E22/G02 F 198,000.00 ZZ 360 197,690.97 4 7.750 1,418.50 90 7.500 1,418.50 DAYTON OH 45458 1 08/30/02 11 0414648089 05 10/01/02 25 0414648089 N 09/01/32 0 7996203 E22/G02 F 81,000.00 ZZ 360 80,924.98 1 6.375 505.33 75 6.125 505.33 YORK PA 17402 1 08/30/02 00 0414804609 09 10/01/02 0 0414804609 N 09/01/32 0 7999773 588/G02 F 318,400.00 ZZ 360 317,876.50 1 7.000 2,118.32 80 6.750 2,118.32 1 IJAMSVILLE MD 21754 1 07/08/02 00 0434613477 03 09/01/02 0 00010678109 O 08/01/32 0 8001131 E22/G02 F 74,700.00 ZZ 360 74,644.57 1 7.500 522.31 90 7.250 522.31 BATON ROUGE LA 70820 1 09/03/02 01 0414536011 05 10/01/02 25 0414536011 N 09/01/32 0 8001217 E22/G02 F 315,000.00 ZZ 360 314,777.67 1 7.750 2,256.70 90 7.500 2,256.70 BOSTON MA 02130 1 09/03/02 01 0414660209 01 10/01/02 25 0414660209 O 09/01/32 0 8001305 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.625 2,817.37 80 6.375 2,817.37 AUBURN CA 95603 5 08/28/02 00 0414721811 05 11/01/02 0 0414721811 O 10/01/32 0 8001341 E22/G02 F 133,000.00 ZZ 360 132,903.73 1 7.625 941.37 89 7.375 941.37 LYNN MA 01905 5 08/27/02 01 0414757039 05 10/01/02 25 0414757039 O 09/01/32 0 8001357 E22/G02 F 119,700.00 ZZ 360 119,700.00 3 6.375 746.77 95 6.125 746.77 WATERBURY CT 06708 1 09/03/02 04 0414771923 05 11/01/02 30 0414771923 O 10/01/32 0 1 8001395 E22/G02 F 189,500.00 ZZ 360 189,369.58 3 7.875 1,374.01 95 7.625 1,374.01 CHICAGO IL 60681 1 09/03/02 11 0414838912 05 10/01/02 30 0414838912 O 09/01/32 0 8001425 E82/G02 F 75,500.00 ZZ 360 75,500.00 1 7.750 540.89 65 7.500 540.89 AURORA CO 80012 5 08/29/02 00 0400664397 01 11/01/02 0 0400664397 O 10/01/32 0 8002259 P44/G02 F 200,000.00 ZZ 360 199,814.76 1 6.375 1,247.74 48 6.125 1,247.74 HAMPTON NH 03842 5 08/23/02 00 0434614004 05 10/01/02 0 RR20020594 O 09/01/32 0 8002495 168/168 F 27,000.00 ZZ 360 26,982.34 3 8.125 200.47 90 7.875 200.47 SCHENECTADY NY 12306 1 08/29/02 10 0089426533 05 10/01/02 25 0089426533 N 09/01/32 0 8003267 J95/G02 F 321,000.00 ZZ 360 320,485.07 1 7.125 2,162.64 80 6.875 2,162.64 GAINESVILLE VA 20155 1 08/01/02 00 0434491056 05 09/01/02 0 0018801621 O 08/01/32 0 8004745 196/G02 F 491,900.00 ZZ 360 491,466.01 1 1 6.625 3,149.69 80 6.375 3,149.69 OWINGS MILLS MD 21117 5 08/19/02 00 0434538716 05 10/01/02 0 1324905 O 09/01/32 0 8004769 196/G02 F 384,000.00 ZZ 360 383,669.38 1 6.750 2,490.62 80 6.500 2,490.62 TUSTIN CA 92780 5 08/12/02 00 0434603189 05 10/01/02 0 1325293 O 09/01/32 0 8004773 196/G02 F 449,600.00 ZZ 360 449,193.55 1 6.500 2,841.78 70 6.250 2,841.78 BEDFORD NH 03110 5 08/19/02 00 0434549002 05 10/01/02 0 1325433 O 09/01/32 0 8004993 W39/G02 F 76,000.00 ZZ 360 75,943.59 1 7.500 531.41 80 7.250 531.41 FORT WORTH TX 76103 1 08/30/02 00 0434521811 05 10/01/02 0 PNI21703 N 09/01/32 0 8005107 E22/G02 F 112,000.00 ZZ 360 111,922.92 1 7.875 812.08 80 7.625 812.08 STAFFORD TOWNSH NJ 08050 1 09/04/02 00 0414555979 05 10/01/02 0 0414555979 N 09/01/32 0 8005199 E22/G02 F 580,000.00 ZZ 360 579,488.28 2 6.625 3,713.80 80 6.375 3,713.80 JAMAICA PLAIN MA 02130 2 08/29/02 00 0414705954 05 10/01/02 0 1 0414705954 O 09/01/32 0 8005227 E22/G02 F 472,000.00 ZZ 360 472,000.00 1 6.625 3,022.27 78 6.375 3,022.27 SAN FRANCISCO CA 94122 2 08/26/02 00 0414725945 07 11/01/02 0 0414725945 O 10/01/32 0 8005279 E22/G02 F 180,000.00 ZZ 360 179,866.41 1 7.500 1,258.59 89 7.250 1,258.59 REYNOLDSBURG OH 43068 2 08/29/02 01 0414780650 05 10/01/02 25 0414780650 O 09/01/32 0 8005301 E22/G02 F 76,500.00 ZZ 360 76,447.35 2 7.875 554.68 90 7.625 554.68 NEW ORLEANS LA 70117 1 09/04/02 01 0414821439 05 10/01/02 30 0414821439 N 09/01/32 0 8005305 E22/G02 F 76,500.00 ZZ 360 76,447.35 2 7.875 554.68 90 7.625 554.68 NEW ORLEANS LA 70117 1 09/04/02 01 0414826354 05 10/01/02 30 0414826354 N 09/01/32 0 8006417 A39/G02 F 416,000.00 ZZ 360 415,632.98 1 6.625 2,663.69 77 6.375 2,663.69 WOODLAND HILLS CA 91364 5 08/20/02 00 0434611109 05 10/01/02 0 2201669RFC O 09/01/32 0 1 8007097 U42/G02 F 440,000.00 ZZ 360 439,656.75 1 7.250 3,001.58 80 7.000 3,001.58 PLANO TX 75093 5 08/20/02 00 0434706388 03 10/01/02 0 12202019 O 09/01/32 0 8007231 964/G02 F 380,000.00 ZZ 360 379,664.74 1 6.625 2,433.18 62 6.375 2,433.18 BUENA PARK CA 90621 2 08/26/02 00 0434620654 03 10/01/02 0 236388 O 09/01/32 0 8007343 G51/G02 F 209,000.00 ZZ 360 208,844.89 4 7.500 1,461.36 90 7.250 1,461.36 COLORADO SPRING CO 80910 1 08/28/02 11 0434615209 09 10/01/02 25 04000124 N 09/01/32 0 8007889 696/G02 F 460,000.00 ZZ 360 459,613.55 1 6.875 3,021.87 77 6.625 3,021.87 ROCKVILLE MD 20850 1 08/23/02 00 0434617973 03 10/01/02 0 32702043 O 09/01/32 0 8007979 L76/G02 F 176,000.00 ZZ 360 176,000.00 1 6.375 1,098.01 80 6.125 1,098.01 BLOOMINGTON MN 55437 5 08/30/02 00 0434530093 05 11/01/02 0 9506834 O 10/01/32 0 8009395 E22/G02 F 95,000.00 ZZ 360 94,934.62 4 7.875 688.82 64 7.625 688.82 1 NEW ORLEANS LA 70119 5 08/30/02 00 0414448647 05 10/01/02 0 0414448647 O 09/01/32 0 8009483 E22/G02 F 42,300.00 ZZ 360 42,300.00 1 7.750 303.04 90 7.500 303.04 INDIANAPOLIS IN 46218 1 09/05/02 01 0414665158 05 11/01/02 25 0414665158 N 10/01/32 0 8009523 E22/G02 F 101,970.00 ZZ 360 101,875.56 1 6.375 636.16 74 6.125 636.16 TACOMA WA 98445 2 08/23/02 00 0414709329 05 10/01/02 0 0414709329 O 09/01/32 0 8009611 E22/G02 F 99,600.00 ZZ 360 99,529.70 2 7.750 713.55 80 7.500 713.55 CINCINNATI OH 45209 1 09/05/02 00 0414782169 05 10/01/02 0 0414782169 N 09/01/32 0 8009697 E22/G02 F 400,000.00 ZZ 360 399,620.46 1 6.250 2,462.87 78 6.000 2,462.87 SAN FRANCISCO CA 94112 1 08/28/02 00 0414864660 05 10/01/02 0 0414864660 O 09/01/32 0 8010951 313/G02 F 434,000.00 ZZ 360 433,607.65 1 6.500 2,743.18 80 6.250 2,743.18 BERWYN PA 19312 5 08/23/02 00 0434559852 05 10/01/02 0 8853418 O 09/01/32 0 1 8011213 B57/G02 F 341,600.00 ZZ 360 341,283.61 1 6.375 2,131.14 80 6.125 2,131.14 LOS ANGELES CA 90292 1 08/28/02 00 0434514410 01 10/01/02 0 10005139 O 09/01/32 0 8011663 313/G02 F 378,050.00 ZZ 360 377,458.38 1 7.250 2,578.97 95 7.000 2,578.97 GLENVIEW IL 60025 1 07/23/02 11 0434505061 05 09/01/02 30 8832933 O 08/01/32 0 8011825 P63/G02 F 256,500.00 ZZ 360 256,136.75 3 7.750 1,837.60 90 7.500 1,837.60 WEST NEW YORK NJ 07093 1 07/26/02 11 0434677449 05 09/01/02 25 20205188 N 08/01/32 0 8013759 E22/G02 F 36,630.00 ZZ 360 36,604.15 1 7.750 262.42 90 7.500 262.42 INDIANAPOLIS IN 46203 1 09/06/02 01 0414665299 05 10/01/02 25 0414665299 N 09/01/32 0 8013825 E22/G02 F 51,750.00 ZZ 360 51,714.39 2 7.875 375.22 90 7.625 375.22 NEW ORLEANS LA 70119 1 09/06/02 01 0414765859 05 10/01/02 25 0414765859 N 09/01/32 0 8013875 E22/G02 F 18,400.00 ZZ 360 18,400.00 1 1 7.875 133.41 80 7.625 133.41 BAY CITY MI 48708 1 09/06/02 00 0414838656 05 11/01/02 0 0414838656 N 10/01/32 0 8013907 E22/G02 F 58,500.00 ZZ 360 58,500.00 2 7.875 424.17 90 7.625 424.17 ST LOUIS MO 63116 1 09/06/02 04 0414881748 05 11/01/02 25 0414881748 N 10/01/32 0 8014141 624/G02 F 452,000.00 ZZ 360 451,601.21 1 6.625 2,894.21 80 6.375 2,894.21 SAN FRANCISCO CA 94132 5 08/20/02 00 0434522751 05 10/01/02 0 1000007773 O 09/01/32 0 8014189 624/G02 F 431,000.00 ZZ 360 430,628.92 1 6.750 2,795.46 80 6.500 2,795.46 SAN DIEGO CA 92129 1 08/01/02 00 0434571618 03 10/01/02 0 1000006296 O 09/01/32 0 8014273 624/G02 F 310,000.00 ZZ 360 309,733.10 1 6.750 2,010.65 76 6.500 2,010.65 CHULA VISTA CA 91911 1 08/16/02 00 0434566337 05 10/01/02 0 1000007424 O 09/01/32 0 8014729 624/G02 F 573,000.00 T 360 572,482.00 1 6.500 3,621.75 75 6.250 3,621.75 LOS ANGELES CA 91304 1 08/22/02 00 0434558987 05 10/01/02 0 1 1000006152 O 09/01/32 0 8014931 624/G02 F 428,000.00 ZZ 360 427,613.08 1 6.500 2,705.25 80 6.250 2,705.25 SAN DIEGO CA 92129 1 08/05/02 00 0434610747 05 10/01/02 0 1000005466 O 09/01/32 0 8015025 624/G02 F 386,480.00 ZZ 360 386,130.61 1 6.500 2,442.82 80 6.250 2,442.82 TAHOE CITY CA 96145 1 08/22/02 00 0434610598 05 10/01/02 0 1000007479 O 09/01/32 0 8015215 624/G02 F 400,000.00 ZZ 360 399,663.95 1 6.875 2,627.72 80 6.625 2,627.72 MORGAN HILL CA 95037 5 08/07/02 00 0434567319 05 10/01/02 0 1000004477 O 09/01/32 0 8015253 P44/G02 F 216,000.00 ZZ 360 215,686.35 1 7.625 1,528.83 80 7.375 1,528.83 FALMOUTH MA 02540 1 07/15/02 00 0434583498 05 09/01/02 0 1 N 08/01/32 0 8015317 S11/G02 F 645,000.00 ZZ 360 644,458.12 1 6.875 4,237.19 75 6.625 4,237.19 CROWNSVILLE MD 21032 5 08/30/02 00 0434575619 03 10/01/02 0 10209008 O 09/01/32 0 1 8015429 624/G02 F 399,600.00 ZZ 360 399,255.95 1 6.750 2,591.80 80 6.500 2,591.80 OAKDALE CA 95361 1 08/13/02 00 0434566394 05 10/01/02 0 1000007495 O 09/01/32 0 8015673 N47/G02 F 360,000.00 ZZ 360 359,674.56 1 6.500 2,275.44 80 6.250 2,275.44 IRVINE CA 92604 2 08/28/02 00 0434611026 01 10/01/02 0 30321674 O 09/01/32 0 8016013 U19/G02 F 200,000.00 ZZ 360 199,810.24 1 6.250 1,231.43 75 6.000 1,231.43 ELIZABETH CO 80107 5 08/23/02 00 0434506283 03 10/01/02 0 40804679 O 09/01/32 0 8016681 P44/G02 F 336,000.00 ZZ 360 336,000.00 1 6.875 2,207.28 80 6.625 2,207.28 SOUTHBOROUGH MA 01772 1 09/05/02 00 0434591764 05 11/01/02 0 0011969 N 10/01/32 0 8016783 U19/G02 F 234,800.00 ZZ 360 234,582.53 1 6.375 1,464.85 73 6.125 1,464.85 BOULDER CO 80303 5 08/20/02 00 0434507265 05 10/01/02 0 50804672 O 09/01/32 0 8016797 U19/G02 F 275,000.00 ZZ 360 274,745.30 1 6.375 1,715.64 54 6.125 1,715.64 1 CENTENNIAL CO 80016 5 08/23/02 00 0434510293 03 10/01/02 0 80804644 O 09/01/32 0 8016807 U19/G02 F 78,800.00 ZZ 360 78,725.23 1 6.250 485.19 46 6.000 485.19 ARVADA CO 80003 5 08/23/02 00 0434507638 05 10/01/02 0 40804731 O 09/01/32 0 8016823 U19/G02 F 278,000.00 ZZ 360 277,723.25 1 6.000 1,666.75 78 5.750 1,666.75 HIGHLANDS RANCH CO 80129 2 08/23/02 00 0434509915 03 10/01/02 0 50804709 O 09/01/32 0 8016933 N74/G02 F 120,500.00 ZZ 360 120,388.40 1 6.375 751.76 75 6.125 751.76 GREENVILLE NC 27834 2 08/30/02 00 0434580569 05 10/05/02 0 0030664010 O 09/05/32 0 8017825 E22/G02 F 145,000.00 ZZ 360 145,000.00 1 6.375 904.61 67 6.125 904.61 BROKEN ARROW OK 74012 5 09/03/02 00 0414309260 05 11/01/02 0 0414309260 O 10/01/32 0 8017923 E22/G02 F 100,875.00 ZZ 360 100,875.00 1 7.875 731.41 75 7.625 731.41 REDMOND OR 97756 5 09/03/02 00 0414682153 05 11/01/02 0 0414682153 N 10/01/32 0 1 8017943 E22/G02 F 356,000.00 ZZ 360 356,000.00 1 6.500 2,250.16 80 6.250 2,250.16 ALEXANDRIA VA 22314 5 09/03/02 00 0414699223 05 11/01/02 0 0414699223 O 10/01/32 0 8018065 E22/G02 F 133,000.00 ZZ 360 132,908.47 1 7.875 964.34 95 7.625 964.34 SOUTH BEND IN 46617 5 09/03/02 01 0414799361 05 10/01/02 30 0414799361 O 09/01/32 0 8018073 E22/G02 F 330,000.00 ZZ 360 329,722.76 1 6.875 2,167.87 80 6.625 2,167.87 SAN ANTONIO TX 78209 5 09/04/02 00 0414804179 05 10/01/02 0 0414804179 O 09/01/32 0 8018457 U19/G02 F 285,700.00 ZZ 360 285,428.92 1 6.250 1,759.10 57 6.000 1,759.10 ENGLEWOOD CO 80111 5 08/23/02 00 0434514105 03 10/01/02 0 40804646 O 09/01/32 0 8018467 U19/G02 F 187,000.00 ZZ 360 186,822.57 1 6.250 1,151.39 68 6.000 1,151.39 CENTENNIAL CO 80015 5 08/23/02 00 0434508792 03 10/01/02 0 50804708 O 09/01/32 0 8018491 U19/G02 F 178,500.00 ZZ 360 178,500.00 1 1 6.250 1,099.06 60 6.000 1,099.06 DENVER CO 80237 2 09/03/02 00 0434507679 05 11/01/02 0 50804743 O 10/01/32 0 8018499 U19/G02 F 167,900.00 ZZ 360 167,736.81 1 6.125 1,020.18 80 5.875 1,020.18 LOVELAND CO 80537 2 08/26/02 00 0434509410 03 10/01/02 0 70207009 O 09/01/32 0 8019419 F36/G02 F 175,000.00 ZZ 360 174,837.92 1 6.375 1,091.77 55 6.125 1,091.77 PUYALLUP WA 98374 5 08/22/02 00 0434607016 05 10/01/02 0 06505167 O 09/01/32 0 8020607 Q30/G02 F 135,000.00 ZZ 360 134,902.29 1 7.625 955.52 90 7.375 955.52 PHILADELPHIA PA 19116 1 08/28/02 01 0434633293 07 10/01/02 25 21015444 O 09/01/32 0 8020667 975/G02 F 394,300.00 ZZ 360 394,300.00 1 6.750 2,557.42 80 6.500 2,557.42 DIAMOND BAR CA 91765 1 09/01/02 00 0434560777 05 11/01/02 0 2023271 O 10/01/32 0 8020697 E47/G02 F 200,000.00 ZZ 360 199,851.57 1 7.500 1,398.43 89 7.250 1,398.43 SILVER SPRING MD 20901 1 08/27/02 11 0434591814 05 10/01/02 25 1 7338510832 O 09/01/32 0 8020949 N67/G02 F 118,960.00 ZZ 360 118,878.14 1 7.875 862.54 80 7.625 862.54 PRESCOTT VALLEY AZ 86314 1 08/08/02 00 0434544904 03 10/01/02 0 1781002580 O 09/01/32 0 8021029 N67/G02 F 172,000.00 T 360 171,881.63 1 7.875 1,247.12 80 7.625 1,247.12 AURORA CO 80011 2 08/05/02 00 0434545521 05 10/01/02 0 1782001867 O 09/01/32 0 8021297 N67/G02 F 179,950.00 ZZ 360 179,829.26 1 8.000 1,320.41 90 7.750 1,320.41 SHARPSBURG GA 30277 1 08/06/02 01 0434555322 05 10/01/02 30 3254001503 O 09/01/32 0 8021317 N67/G02 F 134,300.00 ZZ 360 134,175.61 1 6.375 837.86 80 6.125 837.86 SNELLVILLE GA 30039 1 08/15/02 00 0434548368 03 10/01/02 0 3254001624 O 09/01/32 0 8021593 N67/G02 F 93,600.00 ZZ 360 93,532.26 1 7.625 662.49 80 7.375 662.49 OTISVILLE MI 48463 1 08/14/02 00 0434551040 05 10/01/02 0 3262002212 O 09/01/32 0 1 8021643 N67/G02 F 88,200.00 ZZ 360 88,140.82 1 8.000 647.18 90 7.750 647.18 REINHOLDS PA 17569 1 08/13/02 01 0434556932 05 10/01/02 30 3264000898 O 09/01/32 0 8022107 758/G02 F 532,000.00 ZZ 360 532,000.00 1 6.625 3,406.45 80 6.375 3,406.45 WOODLANDS TX 77380 5 09/03/02 00 0434617957 03 11/01/02 0 102229 O 10/01/32 0 8024315 N67/G02 F 105,600.00 ZZ 360 105,527.33 1 7.875 765.67 80 7.625 765.67 PUEBLO CO 81005 1 08/29/02 00 0434543740 05 10/01/02 0 1162000378A O 09/01/32 0 8024331 N67/G02 F 104,550.00 ZZ 360 104,479.85 1 8.000 767.15 80 7.750 767.15 MARICOPA AZ 85239 1 08/27/02 00 0434543898 03 10/01/02 0 1781001591A O 09/01/32 0 8024347 N67/G02 F 137,000.00 ZZ 360 136,898.33 1 7.500 957.92 80 7.250 957.92 GLENDALE AZ 85303 1 08/20/02 00 0434544037 03 10/01/02 0 1781002383A O 09/01/32 0 8024537 N67/G02 F 91,200.00 ZZ 360 91,132.32 1 7.500 637.68 80 7.250 637.68 1 FERNANDINA BEAC FL 32034 1 08/30/02 00 0434546156 05 10/01/02 0 3252003029A O 09/01/32 0 8024841 N67/G02 F 120,000.00 ZZ 360 119,910.94 1 7.500 839.06 54 7.250 839.06 BOYERTOWN PA 19512 5 08/29/02 00 0434550240 05 10/01/02 0 3264001107A O 09/01/32 0 8024969 N67/G02 F 392,000.00 ZZ 360 391,723.33 3 7.750 2,808.34 80 7.500 2,808.34 MASPETH NY 11377 1 08/27/02 00 0434551842 05 10/01/02 0 3274003242A O 09/01/32 0 8025251 E22/G02 F 500,000.00 ZZ 360 499,569.51 1 6.750 3,242.99 79 6.500 3,242.99 HOPLAND CA 95449 5 08/26/02 00 0414222000 05 10/01/02 0 0414222000 O 09/01/32 0 8025341 E22/G02 F 247,500.00 ZZ 360 247,500.00 4 7.500 1,730.56 90 7.250 1,730.56 STONINGTON CT 06379 1 09/10/02 01 0414685651 05 11/01/02 25 0414685651 N 10/01/32 0 8025487 E22/G02 F 324,000.00 ZZ 360 324,000.00 1 6.750 2,101.46 90 6.500 2,101.46 ALBUQUERQUE NM 87123 5 09/05/02 04 0414814855 05 11/01/02 25 0414814855 O 10/01/32 0 1 8025547 E22/G02 F 31,200.00 ZZ 360 31,200.00 1 7.875 226.22 80 7.625 226.22 BIRMINGHAM AL 35206 1 09/10/02 00 0414892042 05 11/01/02 0 0414892042 N 10/01/32 0 8025735 U97/G02 F 386,000.00 ZZ 360 385,675.71 1 6.875 2,535.75 80 6.625 2,535.75 CHINO HILLS CA 91709 5 08/24/02 00 0434621090 05 10/01/02 0 7247421 O 09/01/32 0 8026705 964/G02 F 383,000.00 ZZ 360 383,000.00 1 6.500 2,420.82 63 6.250 2,420.82 NIPOMO CA 93444 5 09/04/02 00 0434590162 05 11/01/02 0 239774 O 10/01/32 0 8026903 B57/G02 F 320,000.00 ZZ 360 320,000.00 1 6.750 2,075.51 80 6.500 2,075.51 GILROY CA 95020 2 09/04/02 00 0434620589 05 11/01/02 0 10005104 O 10/01/32 0 8027167 W35/G02 F 160,000.00 ZZ 360 160,000.00 1 6.250 985.15 75 6.000 985.15 HOPEDALE MA 01747 5 09/06/02 00 0434602850 05 11/01/02 0 13842 O 10/01/32 0 8027455 N74/G02 F 61,503.00 ZZ 360 61,446.03 1 1 6.375 383.70 83 6.125 383.70 SUMMERVILLE SC 29483 2 09/06/02 10 0434623104 05 10/01/02 12 0030700010 O 09/01/32 0 8027469 F89/G02 F 630,000.00 ZZ 360 629,430.47 1 6.500 3,982.03 70 6.250 3,982.03 SANTA BARBARA CA 93103 2 08/23/02 00 0434591699 05 10/01/02 0 16922395 O 09/01/32 0 8027597 783/G02 F 480,000.00 ZZ 360 480,000.00 1 6.500 3,033.93 85 6.250 3,033.93 OAK HARBOR WA 98277 5 08/30/02 11 0434584579 05 11/01/02 12 9420010056 O 10/01/32 0 8027739 W40/G02 F 450,000.00 ZZ 360 449,583.22 1 6.375 2,807.41 70 6.125 2,807.41 ROCHESTER HILLS MI 48306 5 08/31/02 00 0434567442 05 10/01/02 0 10109891 O 09/01/32 0 8028875 X75/G02 F 331,000.00 ZZ 360 330,715.02 1 6.750 2,146.86 88 6.500 2,146.86 CASTRO VALLEY CA 94546 2 08/20/02 10 0434600615 05 10/01/02 25 02070515 O 09/01/32 0 8029737 550/550 F 730,000.00 ZZ 360 730,000.00 1 6.400 4,566.20 30 6.150 4,566.20 SAN FRANCISCO CA 94115 2 08/27/02 00 120564898 05 11/01/02 0 1 120564898 O 10/01/32 0 8029857 X64/G02 F 225,000.00 ZZ 360 225,000.00 1 6.375 1,403.71 74 6.125 1,403.71 NOVI MI 48375 5 08/30/02 00 0434546297 05 11/01/02 0 9459363 O 10/01/32 0 8029909 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.750 2,594.39 92 6.500 2,594.39 CANTON TX 75103 2 09/06/02 04 0414450320 05 11/01/02 30 0414450320 O 10/01/32 0 8029925 E22/G02 F 347,970.00 ZZ 360 347,970.00 1 6.875 2,285.92 84 6.625 2,285.92 LAS VEGAS NV 89147 2 09/05/02 01 0414502120 03 11/01/02 25 0414502120 O 10/01/32 0 8029975 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.375 998.19 80 6.125 998.19 O FALLON MO 63366 5 09/06/02 00 0414659763 05 11/01/02 0 0414659763 O 10/01/32 0 8029977 E22/G02 F 326,000.00 ZZ 360 326,000.00 1 6.750 2,114.43 68 6.500 2,114.43 SAN ANTONIO TX 78216 5 09/06/02 00 0414660225 03 11/01/02 0 0414660225 O 10/01/32 0 1 8029995 E22/G02 F 42,300.00 ZZ 360 42,300.00 1 7.875 306.70 90 7.625 306.70 RICHTON PARK IL 60471 1 09/11/02 10 0414672451 09 11/01/02 25 0414672451 N 10/01/32 0 8030001 E22/G02 F 400,000.00 ZZ 360 400,000.00 2 6.750 2,594.39 80 6.500 2,594.39 PASADENA CA 91103 5 09/04/02 00 0414682591 05 11/01/02 0 0414682591 O 10/01/32 0 8030003 E22/G02 F 160,000.00 ZZ 360 160,000.00 1 6.375 998.19 80 6.125 998.19 NEW ORLEANS LA 70115 5 09/06/02 00 0414685529 01 11/01/02 0 0414685529 O 10/01/32 0 8030011 E22/G02 F 480,000.00 ZZ 360 480,000.00 2 7.500 3,356.23 80 7.250 3,356.23 BROOKLYN NY 11210 5 09/06/02 00 0414704916 05 11/01/02 0 0414704916 O 10/01/32 0 8030013 E22/G02 F 407,950.00 ZZ 360 407,950.00 1 6.750 2,645.96 80 6.500 2,645.96 DALLAS TX 75229 5 09/06/02 00 0414707554 05 11/01/02 0 0414707554 O 10/01/32 0 8030015 E22/G02 F 550,000.00 ZZ 360 550,000.00 1 6.500 3,476.37 79 6.250 3,476.37 1 SOUTH LYON MI 48178 5 09/06/02 00 0414708826 05 11/01/02 0 0414708826 O 10/01/32 0 8030117 E22/G02 F 74,400.00 ZZ 360 74,400.00 1 7.625 526.60 80 7.375 526.60 MIAMI FL 33032 1 09/11/02 00 0414786384 03 11/01/02 0 0414786384 N 10/01/32 0 8030119 E22/G02 F 371,000.00 ZZ 360 371,000.00 1 6.375 2,314.56 79 6.125 2,314.56 PLAINVIEW NY 11803 1 09/11/02 00 0414787408 05 11/01/02 0 0414787408 O 10/01/32 0 8030141 E22/G02 F 125,250.00 ZZ 360 125,250.00 1 7.625 886.51 75 7.375 886.51 COLORADO SPRING CO 80915 5 09/11/02 00 0414812362 05 11/01/02 0 0414812362 N 10/01/32 0 8030145 E22/G02 F 156,000.00 ZZ 360 156,000.00 1 6.375 973.24 77 6.125 973.24 GRAND RAPIDS MI 49507 5 09/06/02 00 0414817262 05 11/01/02 0 0414817262 O 10/01/32 0 8030171 E22/G02 F 79,200.00 T 360 79,200.00 1 7.750 567.40 80 7.500 567.40 MIAMI FL 33165 1 09/09/02 00 0414847178 01 11/01/02 0 0414847178 O 10/01/32 0 1 8030183 E22/G02 F 99,000.00 ZZ 360 99,000.00 1 7.875 717.82 90 7.625 717.82 GRIFFITH IN 46319 5 09/06/02 04 0414858043 05 11/01/02 25 0414858043 O 10/01/32 0 8031255 K31/G02 F 309,000.00 ZZ 360 308,727.38 1 6.625 1,978.56 75 6.375 1,978.56 ALPHARETTA GA 30022 2 08/27/02 00 0434593935 05 10/01/02 0 897738 O 09/01/32 0 8031333 E45/G02 F 29,100.00 ZZ 360 29,080.47 1 8.000 213.53 75 7.750 213.53 BEVERLY HILLS FL 34465 1 08/28/02 00 0434593646 05 10/01/02 0 250936 N 09/01/32 0 8031469 369/G02 F 355,000.00 ZZ 360 354,679.07 1 6.500 2,243.85 80 6.250 2,243.85 CARMEL IN 46032 1 08/23/02 00 0434631552 03 10/01/02 0 0074393380 O 09/01/32 0 8031511 K39/G02 F 318,000.00 ZZ 360 317,731.53 1 6.850 2,083.72 58 6.600 2,083.72 LONGMONT CO 80503 5 08/31/02 00 0434560157 03 10/06/02 0 521762339 O 09/06/32 0 8031707 U35/G02 F 179,850.00 ZZ 360 179,850.00 1 1 6.125 1,092.79 85 5.875 1,092.79 INDIANAPOLIS IN 46259 2 09/10/02 04 0434605911 03 11/01/02 12 7327558 O 10/01/32 0 8032111 N47/G02 F 350,000.00 ZZ 360 350,000.00 1 6.375 2,183.54 80 6.125 2,183.54 SAN JOSE CA 95111 2 09/01/02 00 0434596805 05 11/01/02 0 20321187 O 10/01/32 0 8032173 G34/G02 F 394,400.00 ZZ 360 394,400.00 1 6.500 2,492.88 80 6.250 2,492.88 OAKLAND CA 94611 1 09/05/02 00 0434621934 05 11/01/02 0 48200554 O 10/01/32 0 8033507 S11/G02 F 370,000.00 ZZ 360 369,657.31 1 6.375 2,308.32 70 6.125 2,308.32 IRVINE CA 92620 5 08/27/02 00 0434602652 05 10/01/02 0 10208961 O 09/01/32 0 8033687 696/G02 F 452,000.00 ZZ 360 452,000.00 1 6.500 2,856.95 80 6.250 2,856.95 WASHINGTON DC 20009 1 09/12/02 00 0434616660 01 11/01/02 0 31202089 O 10/01/32 0 8033989 E22/G02 F 148,500.00 ZZ 360 148,500.00 2 7.750 1,063.87 90 7.500 1,063.87 BROOKLYN NY 11221 1 09/12/02 04 0414286971 05 11/01/02 25 1 0414286971 N 10/01/32 0 8034063 E22/G02 F 524,000.00 ZZ 360 524,000.00 1 6.250 3,226.36 80 6.000 3,226.36 SHORELINE WA 98177 5 08/29/02 00 0414778464 05 11/01/02 0 0414778464 O 10/01/32 0 8034471 601/G02 F 65,700.00 ZZ 360 65,651.24 2 7.500 459.39 90 7.250 459.39 COWETA OK 74429 1 08/20/02 04 0434597340 05 10/01/02 25 6161841 N 09/01/32 0 8034631 X67/G02 F 440,000.00 ZZ 360 440,000.00 1 6.500 2,781.10 79 6.250 2,781.10 STUDIO CITY CA 91604 1 09/01/02 00 0434613030 05 11/01/02 0 00267444 O 10/01/32 0 8034635 738/G02 F 100,000.00 ZZ 360 99,925.78 1 7.500 699.22 80 7.250 699.22 MIAMI FL 33056 5 08/29/02 00 0434600250 05 10/01/02 0 40583785 O 09/01/32 0 8034869 Q30/G02 F 215,000.00 ZZ 360 215,000.00 1 6.000 1,289.03 79 5.750 1,289.03 MONROE CT 06468 1 09/09/02 00 0434614228 05 11/01/02 0 21016167 O 10/01/32 0 1 8034909 Q14/G02 F 98,250.00 ZZ 360 98,250.00 1 6.125 596.98 94 5.875 596.98 DAVENPORT IA 52804 2 09/09/02 01 0434583191 05 11/01/02 30 0208764 O 10/01/32 0 8035277 U19/G02 F 136,500.00 ZZ 360 136,500.00 1 6.375 851.58 63 6.125 851.58 LITTLETON CO 80128 2 09/10/02 00 0434554275 05 11/01/02 0 50804826 O 10/01/32 0 8035283 962/G02 F 67,500.00 ZZ 360 67,452.36 2 7.750 483.58 90 7.500 483.58 FARGO ND 58103 1 08/30/02 14 0434610846 05 10/01/02 25 2002577 N 09/01/32 0 8035287 A52/G02 F 340,000.00 ZZ 360 340,000.00 1 6.500 2,149.03 80 6.250 2,149.03 ATLANTA GA 30331 5 09/10/02 00 0434594057 05 11/01/02 0 20666 O 10/01/32 0 8035341 E47/G02 F 384,800.00 ZZ 360 384,468.69 1 6.750 2,495.81 80 6.500 2,495.81 FREMONT CA 94538 5 08/19/02 00 0434640611 05 10/01/02 0 7333012437 O 09/01/32 0 8035357 601/G02 F 373,000.00 ZZ 360 372,686.63 1 6.875 2,450.35 75 6.625 2,450.35 1 MEDINAH IL 60157 1 08/30/02 00 0434579538 05 10/01/02 0 61755815 O 09/01/32 0 8035443 X64/G02 F 251,500.00 ZZ 360 251,500.00 1 6.375 1,569.03 30 6.125 1,569.03 WEST BLOOMFIELD MI 48324 5 09/05/02 00 0434690418 05 11/01/02 0 9434828 O 10/01/32 0 8035549 X51/G02 F 552,000.00 ZZ 360 552,000.00 1 6.250 3,398.76 74 6.000 3,398.76 LA CANADA FLINT CA 91011 5 09/06/02 00 0434625828 05 11/01/02 0 R2053582 O 10/01/32 0 8035577 X51/G02 F 445,000.00 ZZ 360 445,000.00 1 6.375 2,776.22 69 6.125 2,776.22 CALABASAS CA 91302 5 09/06/02 00 0434625810 05 11/01/02 0 R2053507 O 10/01/32 0 8035613 601/G02 F 87,776.00 ZZ 360 87,714.05 2 7.750 628.84 80 7.500 628.84 CLEARWATER FL 33756 1 08/07/02 00 0434597480 05 10/01/02 0 61726782 N 09/01/32 0 8035645 W35/G02 F 172,000.00 ZZ 360 172,000.00 1 6.125 1,045.09 80 5.875 1,045.09 ANKENY IA 50021 5 09/09/02 00 0434614020 05 11/01/02 0 13809 O 10/01/32 0 1 8035723 W35/G02 F 40,000.00 ZZ 360 39,970.90 1 7.600 282.43 75 7.350 282.43 HENNING IL 61848 5 08/30/02 00 0434614103 05 10/01/02 0 13510 N 09/01/32 0 8035773 601/G02 F 200,000.00 ZZ 360 199,814.76 1 6.375 1,247.74 67 6.125 1,247.74 AURORA CO 80018 5 08/26/02 00 0434580114 05 10/01/02 0 61744397 O 09/01/32 0 8035817 W35/G02 F 196,200.00 ZZ 360 196,200.00 1 6.250 1,208.04 68 6.000 1,208.04 BETHEL CT 06801 5 09/06/02 00 0434614046 05 11/01/02 0 13953 O 10/01/32 0 8035933 U05/G02 F 325,000.00 ZZ 360 324,726.96 1 6.875 2,135.02 70 6.625 2,135.02 AUSTIN TX 78731 5 08/26/02 00 0434616306 05 10/01/02 0 3254817 O 09/01/32 0 8036041 L73/G02 F 346,000.00 ZZ 360 346,000.00 1 6.750 2,244.15 80 6.500 2,244.15 MISSION VIEJO CA 92691 5 09/05/02 00 0434609202 03 11/01/02 0 46001538 O 10/01/32 0 8036203 225/G02 F 850,000.00 ZZ 351 849,260.22 1 1 7.000 5,698.11 66 6.750 5,698.11 GAITHERSBURG MD 20878 2 08/19/02 00 0434627162 05 10/01/02 0 7298686 O 12/01/31 0 8036371 A35/G02 F 530,000.00 ZZ 360 530,000.00 1 6.625 3,393.65 74 6.375 3,393.65 BAYSHORE NY 11706 5 08/30/02 00 0434616520 05 11/01/02 0 13737 O 10/01/32 0 8036373 758/G02 F 544,000.00 ZZ 360 543,508.22 1 6.500 3,438.45 80 6.250 3,438.45 DALLAS TX 75229 5 08/30/02 00 0434665659 05 10/01/02 0 401802 O 09/01/32 0 8036507 E22/G02 F 418,000.00 ZZ 360 418,000.00 1 6.750 2,711.14 65 6.500 2,711.14 DOWNEY CA 90240 2 09/05/02 00 0414483958 05 11/01/02 0 0414483958 O 10/01/32 0 8036511 E22/G02 F 92,000.00 ZZ 360 91,914.79 1 6.375 573.96 77 6.125 573.96 CARTERSVILLE GA 30120 5 09/09/02 00 0414509737 05 10/01/02 0 0414509737 O 09/01/32 0 8036519 E22/G02 F 304,500.00 ZZ 360 304,500.00 1 7.000 2,025.85 65 6.750 2,025.85 BANDERA TX 78003 2 09/13/02 00 0414547356 05 11/01/02 0 1 0414547356 O 10/01/32 0 8036523 E22/G02 F 116,900.00 ZZ 360 116,900.00 1 7.500 817.38 90 7.250 817.38 CLINTON TOWNSHI MI 48038 1 09/13/02 04 0414554063 05 11/01/02 25 0414554063 O 10/01/32 0 8036531 E22/G02 F 350,000.00 ZZ 360 350,000.00 1 6.625 2,241.09 80 6.375 2,241.09 WEST FALMOUTH MA 02574 2 09/09/02 00 0414585646 05 11/01/02 0 0414585646 O 10/01/32 0 8036555 E22/G02 F 162,000.00 ZZ 360 162,000.00 3 7.875 1,174.61 90 7.625 1,174.61 SCOTTSDALE AZ 85258 1 09/04/02 04 0414646232 05 11/01/02 25 0414646232 N 10/01/32 0 8036557 E22/G02 F 162,000.00 ZZ 360 162,000.00 3 7.875 1,174.61 90 7.625 1,174.61 SCOTTSDALE AZ 85258 1 08/29/02 04 0414646273 05 11/01/02 25 0414646273 N 10/01/32 0 8036595 E22/G02 F 147,000.00 ZZ 360 147,000.00 1 6.375 917.09 89 6.125 917.09 SANDY UT 84094 2 09/05/02 04 0414707836 05 11/01/02 25 0414707836 O 10/01/32 0 1 8036619 E22/G02 F 220,000.00 ZZ 360 220,000.00 1 6.375 1,372.51 59 6.125 1,372.51 FORT LAUDERDALE FL 33305 5 09/09/02 00 0414748335 05 11/01/02 0 0414748335 O 10/01/32 0 8036661 E22/G02 F 441,600.00 ZZ 360 441,600.00 1 6.250 2,719.01 80 6.000 2,719.01 SOUTH LAKE TAHO CA 96150 5 09/04/02 00 0414785733 03 11/01/02 0 0414785733 O 10/01/32 0 8036789 E22/G02 F 71,200.00 ZZ 360 71,200.00 2 7.875 516.25 90 7.625 516.25 INDIANAPOLIS IN 46241 1 09/13/02 04 0414931824 05 11/01/02 25 0414931824 N 10/01/32 0 8037539 G51/G02 F 54,700.00 ZZ 360 54,700.00 1 7.750 391.88 80 7.500 391.88 HOLIDAY FL 34691 1 09/03/02 00 0434600243 05 11/01/02 0 25000484 N 10/01/32 0 8037547 K15/G02 F 151,500.00 ZZ 360 151,500.00 1 6.000 908.32 80 5.750 908.32 SHOREVIEW MN 55126 5 09/11/02 00 0434598181 05 11/01/02 0 013205306346 O 10/01/32 0 8037549 642/G02 F 312,000.00 ZZ 360 312,000.00 1 6.875 2,049.62 80 6.625 2,049.62 1 LYNNFIELD MA 01940 5 09/04/02 00 0434645990 05 11/01/02 0 08148102 O 10/01/32 0 8037735 W68/G02 F 208,000.00 ZZ 360 208,000.00 1 7.500 1,454.37 80 7.250 1,454.37 DALLAS TX 75220 5 09/03/02 00 0434623898 05 11/01/02 0 29007 O 10/01/32 0 8038625 X67/G02 F 380,000.00 ZZ 360 380,000.00 1 6.500 2,401.86 80 6.250 2,401.86 MONROVIA CA 91016 5 09/05/02 00 0434615647 05 11/01/02 0 00269578 O 10/01/32 0 8038691 G34/G02 F 121,500.00 ZZ 360 121,500.00 4 7.500 849.55 90 7.250 849.55 PHOENIX AZ 85008 1 09/09/02 04 0434618492 05 11/01/02 25 85206046 N 10/01/32 0 8038713 134/G02 F 599,834.00 ZZ 342 596,385.78 1 7.000 4,053.58 75 6.750 4,053.58 REDONDO BEACH CA 90277 2 06/01/02 00 0434631503 05 07/01/02 0 10857944 O 12/01/30 0 8038715 134/G02 F 628,850.00 ZZ 342 627,683.85 1 7.000 4,249.67 71 6.750 4,249.67 BELL CANYON CA 91307 1 07/08/02 00 0434626941 03 09/01/02 0 10955292 O 02/01/31 0 1 8038761 134/G02 F 404,000.00 ZZ 360 400,345.71 1 6.625 2,586.86 80 6.375 2,586.86 THOUSAND OAKS CA 91361 5 11/13/01 00 0434629846 05 01/01/02 0 12101267 O 12/01/31 0 8038777 134/G02 F 329,000.00 ZZ 360 328,403.53 1 6.500 2,079.51 68 6.250 2,079.51 FULLERTON CA 92835 1 07/02/02 00 0434627618 05 09/01/02 0 12567483 O 08/01/32 0 8038787 134/G02 F 547,000.00 ZZ 360 545,579.15 1 6.750 3,547.84 75 6.500 3,547.84 WILTON CT 06897 5 06/10/02 00 0434631123 05 08/01/02 0 12579322 O 07/01/32 0 8038795 134/G02 F 324,000.00 ZZ 360 322,874.71 1 6.750 2,101.46 80 6.500 2,101.46 HUNTINGTON BEAC CA 92646 1 05/16/02 00 0434634176 05 07/01/02 0 12590527 O 06/01/32 0 8038813 134/G02 F 454,800.00 ZZ 360 453,220.41 1 6.750 2,949.83 80 6.500 2,949.83 HERMOSA BEACH CA 90254 1 05/31/02 00 0434667721 05 07/01/02 0 12636296 O 06/01/32 0 8038821 134/G02 F 400,000.00 ZZ 360 398,986.06 1 1 6.875 2,627.72 75 6.625 2,627.72 UNION CITY CA 94587 2 06/14/02 00 0434622593 05 08/01/02 0 12638805 O 07/01/32 0 8038837 134/G02 F 515,000.00 ZZ 360 514,153.25 1 7.000 3,426.31 52 6.750 3,426.31 CARDIFF CA 92007 2 07/01/02 00 0434616462 05 09/01/02 0 12654687 O 08/01/32 0 8038839 134/G02 F 362,000.00 ZZ 360 361,404.81 1 7.000 2,408.40 56 6.750 2,408.40 SAN DIEGO CA 92127 2 07/08/02 00 0434609806 05 09/01/02 0 12657987 O 08/01/32 0 8038845 134/G02 F 464,000.00 ZZ 360 463,237.10 1 7.000 3,087.01 80 6.750 3,087.01 FAIRFAX CA 94930 1 07/03/02 00 0434593786 05 09/01/02 0 12661419 O 08/01/32 0 8038847 134/G02 F 640,000.00 ZZ 360 638,836.71 1 6.500 4,045.24 75 6.250 4,045.24 NORTH CALDWELL NJ 07006 5 07/03/02 00 0434622684 05 09/01/02 0 12665345 O 08/01/32 0 8038865 134/G02 F 358,700.00 ZZ 360 358,391.16 1 6.750 2,326.53 80 6.500 2,326.53 SCOTTSDALE AZ 85255 2 08/13/02 00 0434625612 03 10/01/02 0 1 12683439 O 09/01/32 0 8038867 134/G02 F 562,500.00 ZZ 360 561,552.15 1 6.875 3,695.23 75 6.625 3,695.23 LOS ANGELES CA 90048 5 07/12/02 00 0434627816 05 09/01/02 0 12684023 O 08/01/32 0 8038875 134/G02 F 645,000.00 ZZ 360 643,886.21 1 6.750 4,183.46 43 6.500 4,183.46 ENCINITAS CA 92024 2 07/11/02 00 0434634770 03 09/01/02 0 12695987 O 08/01/32 0 8038903 134/G02 F 527,100.00 ZZ 360 526,211.79 1 6.875 3,462.68 80 6.625 3,462.68 ESCONDIDO CA 92029 1 07/20/02 00 0434634754 05 09/01/02 0 12724548 O 08/01/32 0 8038911 134/G02 F 473,000.00 ZZ 360 472,592.76 1 6.750 3,067.87 80 6.500 3,067.87 EAST PALO ALTO CA 94303 2 08/02/02 00 0434619813 03 10/01/02 0 12729695 O 09/01/32 0 8038943 134/G02 F 368,000.00 ZZ 360 367,364.52 1 6.750 2,386.85 77 6.500 2,386.85 GILROY CA 95020 2 07/26/02 00 0434610044 05 09/01/02 0 12742144 O 08/01/32 0 1 8038945 134/G02 F 574,000.00 ZZ 360 573,493.57 1 6.625 3,675.39 33 6.375 3,675.39 SAN JOSE CA 95138 2 08/02/02 00 0434622353 03 10/01/02 0 12742151 O 09/01/32 0 8038963 134/G02 F 404,000.00 ZZ 360 403,302.36 1 6.750 2,620.34 80 6.500 2,620.34 SAN FRANCISCO CA 94110 1 07/22/02 00 0434636247 07 09/01/02 0 12743860 O 08/01/32 0 8038971 134/G02 F 527,000.00 ZZ 360 526,523.58 1 6.500 3,331.00 80 6.250 3,331.00 SAN JOSE CA 95125 5 08/12/02 00 0434622338 03 10/01/02 0 12743910 O 09/01/32 0 8039017 134/G02 F 408,000.00 ZZ 360 407,648.71 1 6.750 2,646.29 75 6.500 2,646.29 DUBLIN CA 94568 5 08/02/02 00 0434591632 05 10/01/02 0 12751483 O 09/01/32 0 8039027 134/G02 F 483,000.00 ZZ 360 482,541.70 1 6.250 2,973.92 70 6.000 2,973.92 LA CANADA FLINT CA 91011 1 08/07/02 00 0434620258 05 10/01/02 0 12752275 O 09/01/32 0 8039029 134/G02 F 326,000.00 ZZ 360 325,107.85 1 6.500 2,060.55 61 6.250 2,060.55 1 HUNTINGTON BEAC CA 92648 2 07/24/02 00 0434611752 05 09/01/02 0 12752887 O 08/01/32 0 8039065 134/G02 F 368,500.00 ZZ 360 368,182.72 1 6.750 2,390.09 73 6.500 2,390.09 ANAHEIM CA 92807 2 08/26/02 00 0434623245 03 10/01/02 0 12764387 O 09/01/32 0 8039075 134/G02 F 525,000.00 ZZ 360 524,547.98 1 6.750 3,405.15 74 6.500 3,405.15 SAN DIEGO CA 92130 2 08/14/02 00 0434623443 05 10/01/02 0 12766192 O 09/01/32 0 8039079 134/G02 F 585,000.00 ZZ 360 584,496.33 1 6.750 3,794.30 42 6.500 3,794.30 COTO DE CAZA CA 92679 2 08/21/02 00 0434614061 03 10/01/02 0 12767406 O 09/01/32 0 8039081 134/G02 F 340,000.00 ZZ 360 339,707.26 1 6.750 2,205.24 74 6.500 2,205.24 SAN DIEGO CA 92131 2 08/10/02 00 0434611240 05 10/01/02 0 12767497 O 09/01/32 0 8039117 134/G02 F 430,000.00 ZZ 360 429,573.96 1 6.625 2,753.34 75 6.375 2,753.34 SAN RAMON CA 94583 5 08/22/02 00 0434620050 05 10/01/02 0 12836383 O 09/01/32 0 1 8039123 134/G02 F 682,369.00 ZZ 329 681,680.02 1 7.000 4,669.47 46 6.750 4,669.47 LOS ANGELES CA 90272 1 08/21/02 00 0434611620 05 10/01/02 0 9005844 O 02/01/30 0 8039129 U05/G02 F 528,750.00 ZZ 360 528,294.76 2 6.750 3,429.46 75 6.500 3,429.46 CHICAGO IL 60614 5 08/27/02 00 0434607990 05 10/01/02 0 3257438 O 09/01/32 0 8039171 X75/G02 F 368,000.00 ZZ 360 367,675.33 1 6.625 2,356.34 80 6.375 2,356.34 SANTA CLARA CA 95051 2 08/13/02 00 0434635124 05 10/01/02 0 2080026 O 09/01/32 0 8039189 X67/G02 F 376,000.00 ZZ 360 375,668.26 1 6.625 2,407.57 80 6.375 2,407.57 FREMONT CA 94538 1 08/19/02 00 0434600003 05 10/01/02 0 00268529 O 09/01/32 0 8039291 X78/G02 F 63,000.00 ZZ 360 63,000.00 2 7.750 451.34 90 7.500 451.34 GRIFFIN GA 30324 1 09/13/02 10 0434620092 05 11/01/02 25 990184 N 10/01/32 0 8039307 X78/G02 F 54,000.00 ZZ 360 54,000.00 2 1 7.750 386.86 90 7.500 386.86 GRIFFIN GA 30224 1 09/13/02 10 0434619623 05 11/01/02 25 990185 N 10/01/32 0 8039341 Q87/G02 F 70,000.00 ZZ 360 69,950.59 1 7.750 501.49 62 7.500 501.49 SAINT AUGUSTINE FL 32092 2 09/11/02 00 0434617312 05 10/16/02 0 ASDA03 N 09/16/32 0 8039493 601/G02 F 66,000.00 ZZ 360 65,951.01 1 7.500 461.49 80 7.250 461.49 TAMPA FL 33613 1 08/23/02 00 0434593034 05 10/01/02 0 6179052 N 09/01/32 0 8039553 601/G02 F 72,000.00 ZZ 360 71,947.88 1 7.625 509.62 75 7.375 509.62 JACKSONVILLE FL 32210 5 08/19/02 00 0434587465 05 10/01/02 0 61775615 N 09/01/32 0 8039657 N47/G02 F 316,000.00 ZZ 360 316,000.00 1 6.375 1,971.43 80 6.125 1,971.43 SAN JOSE CA 95121 2 09/01/02 00 0434614418 01 11/01/02 0 20321152 O 10/01/32 0 8039699 N47/G02 F 336,000.00 ZZ 360 336,000.00 1 6.500 2,123.75 80 6.250 2,123.75 SAN DIEGO CA 92123 1 09/04/02 00 0434614301 01 11/01/02 0 1 30122677 O 10/01/32 0 8039723 E47/G02 F 177,500.00 ZZ 360 177,374.72 3 7.750 1,271.63 79 7.500 1,271.63 BERWYN IL 60402 5 08/27/02 00 0434616850 05 10/01/02 0 7360514094 O 09/01/32 0 8039727 601/G02 F 376,000.00 ZZ 360 375,676.27 1 6.750 2,438.73 66 6.500 2,438.73 GRAYSON GA 30017 2 08/29/02 00 0434593315 03 10/01/02 0 61765178 O 09/01/32 0 8039745 601/G02 F 66,800.00 ZZ 360 66,754.03 1 7.875 484.35 80 7.625 484.35 BIRMINGHAM AL 35215 2 08/13/02 00 0434606752 05 10/01/02 0 61642559 N 09/01/32 0 8039773 E86/G02 F 337,500.00 ZZ 360 337,209.43 1 6.750 2,189.01 80 6.500 2,189.01 MONROE TOWNSHIP NJ 08831 2 08/19/02 00 0434609889 03 10/01/02 0 2205099 O 09/01/32 0 8040181 G75/G75 F 350,000.00 ZZ 360 349,438.65 1 7.375 2,417.37 71 7.125 2,417.37 BURKE VA 22015 1 07/18/02 00 04628559 03 09/01/02 0 04628559 O 08/01/32 0 1 8040183 G75/G75 F 114,750.00 ZZ 360 114,517.46 4 8.000 842.00 90 7.750 842.00 WHITE SETTLEMEN TX 76108 1 06/24/02 14 04708737 05 08/01/02 25 04708737 N 07/01/32 0 8040185 G75/G75 F 145,600.00 ZZ 360 145,494.62 1 7.625 1,030.55 80 7.375 1,030.55 CINCINNATI OH 45247 1 08/12/02 00 04698669 05 10/01/02 0 04698669 O 09/01/32 0 8040187 G75/G75 F 123,200.00 ZZ 360 122,930.77 1 7.625 872.01 80 7.375 872.01 LOWER TOWNSHIP NJ 08204 1 06/13/02 00 04662006 05 08/01/02 0 04662006 O 07/01/32 0 8040189 G75/G75 F 54,000.00 ZZ 360 53,887.78 1 7.875 391.54 90 7.625 391.54 BRIDGEPORT CT 06606 1 06/17/02 10 04705705 05 08/01/02 25 04705705 O 07/01/32 0 8040195 G75/G75 F 319,200.00 ZZ 360 318,466.85 1 7.375 2,204.64 80 7.125 2,204.64 MARRIOTTSVILLE MD 21104 1 06/14/02 00 04627191 05 08/01/02 0 04627191 O 07/01/32 0 8040199 G75/G75 F 122,550.00 ZZ 360 122,282.18 1 7.625 867.41 95 7.375 867.41 1 ALEXANDRIA VA 22314 1 06/14/02 10 04702824 01 08/01/02 30 04702824 O 07/01/32 0 8040201 G75/G75 F 427,500.00 ZZ 360 422,481.14 1 7.375 2,952.64 90 7.125 2,952.64 STREET MD 21154 1 06/14/02 14 04714184 05 08/01/02 25 04714184 O 07/01/32 0 8040203 G75/G75 F 207,000.00 ZZ 360 206,580.51 4 8.000 1,518.90 90 7.750 1,518.90 NORTH WALES PA 19454 1 06/25/02 10 04721052 05 08/01/02 25 04721052 N 07/01/32 0 8040205 G75/G75 F 392,000.00 ZZ 360 391,121.74 3 7.500 2,740.93 80 7.250 2,740.93 WASHINGTON DC 20001 1 07/03/02 00 04714071 05 08/01/02 0 04714071 O 07/01/32 0 8040211 G75/G75 F 238,500.00 ZZ 360 238,186.91 1 8.125 1,770.86 90 7.875 1,770.86 TINTON FALLS NJ 07724 1 07/03/02 10 04704981 05 09/01/02 25 04704981 O 08/01/32 0 8040213 G75/G75 F 374,000.00 ZZ 360 373,414.72 1 7.250 2,551.34 69 7.000 2,551.34 HOPEWELL TWP. NJ 08534 1 07/18/02 00 04671485 05 09/01/02 0 04671485 O 08/01/32 0 1 8040219 G75/G75 F 356,350.00 ZZ 360 355,551.61 1 7.500 2,491.66 80 7.250 2,491.66 LAKE IN THE HIL IL 60156 1 06/27/02 00 04538736 05 08/01/02 0 04538736 O 07/01/32 0 8040223 G75/G75 F 40,800.00 ZZ 360 40,772.62 1 8.000 299.38 80 7.750 299.38 VIRGINIA BEACH VA 23452 1 08/05/02 00 04742234 01 10/01/02 0 04742234 N 09/01/32 0 8040227 G75/G75 F 380,000.00 T 360 380,000.00 1 7.000 2,528.15 80 6.750 2,528.15 LINVILLE NC 28646 1 09/04/02 00 04750774 01 11/01/02 0 04750774 O 10/01/32 0 8040229 G75/G75 F 521,000.00 ZZ 360 521,000.00 1 6.750 3,379.20 77 6.500 3,379.20 CALIFORNIA MD 20619 2 08/29/02 00 04759479 05 11/01/02 0 04759479 O 10/01/32 0 8040231 G75/G75 F 120,600.00 ZZ 360 120,514.87 4 7.750 864.00 90 7.500 864.00 HARRISBURG PA 17102 1 08/19/02 14 04760751 05 10/01/02 25 04760751 N 09/01/32 0 8040235 G75/G75 F 113,500.00 ZZ 360 113,419.89 1 1 7.750 813.13 95 7.500 813.13 RICHMOND VA 23230 1 08/09/02 10 04740569 05 10/01/02 30 04740569 O 09/01/32 0 8040237 G75/G75 F 166,400.00 T 360 166,276.50 1 7.500 1,163.50 90 7.250 1,163.50 ARLINGTON VA 22201 1 08/30/02 01 04760371 01 10/01/02 25 04760371 O 09/01/32 0 8040335 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 7.125 2,694.87 80 6.875 2,694.87 WADSWORTH IL 60083 5 09/11/02 00 0414607440 05 11/01/02 0 0414607440 O 10/01/32 0 8040363 E22/G02 F 94,000.00 ZZ 360 94,000.00 1 8.000 689.74 94 7.750 689.74 NEW ORLEANS LA 70129 2 09/10/02 11 0414655183 05 11/01/02 30 0414655183 O 10/01/32 0 8040391 E22/G02 F 384,000.00 ZZ 360 384,000.00 1 6.375 2,395.66 77 6.125 2,395.66 CUCHARA CO 81055 5 09/11/02 00 0414693242 05 11/01/02 0 0414693242 O 10/01/32 0 8040423 E22/G02 F 218,500.00 ZZ 360 218,500.00 1 7.875 1,584.28 95 7.625 1,584.28 CHESTER SC 29706 5 09/11/02 01 0414734756 05 11/01/02 30 1 0414734756 O 10/01/32 0 8040447 E22/G02 F 117,000.00 ZZ 360 117,000.00 4 7.875 848.33 90 7.625 848.33 TWIN FALLS ID 83301 1 09/11/02 04 0414752907 05 11/01/02 25 0414752907 N 10/01/32 0 8040477 E22/G02 F 70,000.00 ZZ 360 70,000.00 1 7.625 495.46 82 7.375 495.46 PRATTVILLE AL 36067 5 09/11/02 04 0414783779 05 11/01/02 12 0414783779 O 10/01/32 0 8040517 E22/G02 F 327,200.00 ZZ 360 327,200.00 1 7.000 2,176.87 80 6.750 2,176.87 PLANO TX 75093 5 09/10/02 00 0414812180 03 11/01/02 0 0414812180 O 10/01/32 0 8040531 E22/G02 F 119,000.00 ZZ 360 119,000.00 1 7.625 842.27 73 7.375 842.27 LEICESTER NC 28748 2 09/13/02 00 0414822833 05 11/01/02 0 0414822833 N 10/01/32 0 8040541 E22/G02 F 108,000.00 ZZ 360 108,000.00 2 7.875 783.07 90 7.625 783.07 NEW ORLEANS LA 70019 1 09/16/02 01 0414829127 05 11/01/02 25 0414829127 N 10/01/32 0 1 8040577 E22/G02 F 342,400.00 ZZ 360 342,400.00 1 6.375 2,136.13 69 6.125 2,136.13 LYNNFIELD MA 01940 2 09/09/02 00 0414858258 05 11/01/02 0 0414858258 O 10/01/32 0 8040597 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.500 2,781.10 80 6.250 2,781.10 CORRALES NM 87048 2 09/11/02 00 0414867689 05 11/01/02 0 0414867689 O 10/01/32 0 8040855 E82/G02 F 64,800.00 ZZ 360 64,800.00 1 7.500 453.09 80 7.250 453.09 BELEN NM 87002 2 09/10/02 00 0400668679 05 11/01/02 0 1948888 O 10/01/32 0 8041537 T44/G02 F 450,000.00 ZZ 360 449,621.95 1 6.875 2,956.18 75 6.625 2,956.18 SACRAMENTO CA 95829 5 08/23/02 00 0434610820 05 10/01/02 0 1048704 O 09/01/32 0 8042031 E57/G02 F 416,000.00 ZZ 360 415,650.51 1 6.875 2,732.82 80 6.625 2,732.82 FRESNO CA 93720 5 08/27/02 00 0434641429 05 10/01/02 0 13002785 O 09/01/32 0 8042043 U05/G02 F 385,000.00 ZZ 360 384,643.41 1 6.375 2,401.90 77 6.125 2,401.90 1 YORBA LINDA CA 92887 5 08/22/02 00 0434611984 05 10/01/02 0 3256708 O 09/01/32 0 8042171 N47/G02 F 332,000.00 ZZ 360 332,000.00 1 6.750 2,153.35 80 6.500 2,153.35 ESCONDIDO CA 92026 2 09/03/02 00 0434614392 03 11/01/02 0 30122216 O 10/01/32 0 8042255 U19/G02 F 208,800.00 T 360 208,800.00 1 6.125 1,268.69 80 5.875 1,268.69 BRECKENRIDGE CO 80424 2 09/16/02 00 0434554846 01 11/01/02 0 80804703 O 10/01/32 0 8042301 M18/G02 F 375,000.00 ZZ 360 375,000.00 1 6.250 2,308.94 78 6.000 2,308.94 IRVINE CA 92620 5 09/04/02 00 0434616637 03 11/01/02 0 980102036 O 10/01/32 0 8042435 601/G02 F 107,920.00 ZZ 360 107,843.82 1 7.750 773.16 80 7.500 773.16 NEVADA TX 75173 1 08/06/02 00 0434587200 05 10/01/02 0 61709820 O 09/01/32 0 8042649 601/G02 F 62,700.00 ZZ 360 62,654.62 1 7.625 443.79 95 7.375 443.79 VOORHEES NJ 08043 5 08/15/02 11 0434593364 01 10/01/02 30 61705943 O 09/01/32 0 1 8042693 601/G02 F 320,000.00 ZZ 360 319,774.15 1 7.750 2,292.52 73 7.500 2,292.52 OAK PARK IL 60302 2 08/09/02 00 0434598769 05 10/01/02 0 61691622 O 09/01/32 0 8042707 601/G02 F 125,000.00 ZZ 360 124,813.88 1 7.500 874.02 100 7.250 874.02 EULESS TX 76039 1 07/23/02 10 0434586251 05 09/01/02 35 61671335 O 08/01/32 0 8042895 601/G02 F 23,555.00 ZZ 360 23,520.77 1 7.625 166.73 80 7.375 166.73 TALLAHASSEE FL 32301 1 07/29/02 00 0434604880 05 09/01/02 0 6167596 N 08/01/32 0 8043113 601/G02 F 37,200.00 ZZ 360 37,148.63 1 7.875 269.73 80 7.625 269.73 BIRMINGHAM AL 35206 2 08/02/02 00 0434606943 05 09/01/02 0 61642591 N 08/01/32 0 8043411 601/G02 F 234,500.00 T 360 233,848.09 1 7.875 1,700.29 70 7.625 1,700.29 PLAISTOW NH 03865 5 07/29/02 00 0434602512 05 09/01/02 0 61630877 O 08/01/32 0 8043413 601/G02 F 105,000.00 ZZ 360 104,925.88 1 1 7.750 752.24 80 7.500 752.24 REVERE MA 02151 2 08/01/02 00 0434597258 01 10/01/02 0 61425070 O 09/01/32 0 8044013 998/998 F 316,800.00 ZZ 360 316,328.31 3 7.500 2,215.11 90 7.250 2,215.11 BRONX NY 10475 1 07/12/02 10 3441948 05 09/01/02 25 3441948 O 08/01/32 0 8044021 998/998 F 328,650.00 ZZ 360 328,373.89 1 6.875 2,159.00 58 6.625 2,159.00 GULF SHORES AL 36542 2 08/20/02 00 5128788 05 10/01/02 0 5128788 N 09/01/32 0 8044023 998/998 F 362,800.00 ZZ 360 362,246.18 1 7.375 2,505.77 85 7.125 2,505.77 ROCKLIN CA 95765 5 07/26/02 12 5181659 05 09/01/02 12 5181659 O 08/01/32 0 8044037 W93/G02 F 535,500.00 ZZ 360 535,038.94 1 6.750 3,473.25 70 6.500 3,473.25 SAN JOSE CA 95148 2 08/26/02 00 0434623377 05 10/01/02 0 20346016 O 09/01/32 0 8044149 W93/G02 F 364,000.00 ZZ 360 363,686.60 1 6.750 2,360.90 80 6.500 2,360.90 DAVIS CA 95616 5 08/22/02 00 0434627493 03 10/01/02 0 1 21399643 O 09/01/32 0 8044161 W93/G02 F 412,000.00 ZZ 360 411,627.55 1 6.500 2,604.12 80 6.250 2,604.12 DAVIS CA 95616 5 08/27/02 00 0434657680 05 10/01/02 0 21399777 O 09/01/32 0 8044179 W93/G02 F 313,000.00 ZZ 360 312,717.05 1 6.500 1,978.37 79 6.250 1,978.37 CHULA VISTA CA 91914 5 08/29/02 00 0434621603 05 10/01/02 0 28396331 O 09/01/32 0 8044185 W93/G02 F 336,000.00 ZZ 360 335,703.55 1 6.625 2,151.45 80 6.375 2,151.45 BONITA CA 91902 1 08/26/02 00 0434620472 05 10/01/02 0 28396509 O 09/01/32 0 8044219 W93/G02 F 151,500.00 ZZ 360 151,395.74 1 7.875 1,098.48 75 7.625 1,098.48 PORTLAND OR 97213 5 08/22/02 00 0434630489 05 10/01/02 0 37384080 O 09/01/32 0 8044221 W93/G02 F 92,175.00 ZZ 360 92,108.29 1 7.625 652.41 75 7.375 652.41 MEDFORD OR 97501 1 08/27/02 00 0434630802 05 10/01/02 0 42397097 O 09/01/32 0 1 8044225 W93/G02 F 100,000.00 ZZ 360 99,925.78 1 7.500 699.22 68 7.250 699.22 GRANTS PASS OR 97527 1 08/23/02 00 0434623252 05 10/01/02 0 44403255 O 09/01/32 0 8044833 E22/G02 F 351,500.00 ZZ 360 351,500.00 1 6.875 2,309.10 95 6.625 2,309.10 SALT LAKE CITY UT 84108 1 09/11/02 04 0414890160 05 11/01/02 30 0414890160 O 10/01/32 0 8044845 E22/G02 F 520,800.00 ZZ 360 520,800.00 1 6.375 3,249.11 62 6.125 3,249.11 DANVILLE CA 94526 1 09/12/02 00 0414919076 05 11/01/02 0 0414919076 O 10/01/32 0 8044861 E22/G02 F 40,500.00 ZZ 360 40,500.00 1 7.875 293.65 90 7.625 293.65 BOYNTON BEACH FL 33435 1 09/17/02 04 0414935965 01 11/01/02 25 0414935965 N 10/01/32 0 8044899 E22/G02 F 90,000.00 ZZ 360 90,000.00 2 7.750 644.77 90 7.500 644.77 BATON ROUGE LA 70815 1 09/17/02 01 0414623470 05 11/01/02 25 0414623470 N 10/01/32 0 8044931 601/G02 F 404,000.00 T 360 403,660.58 1 6.875 2,654.00 80 6.625 2,654.00 1 ST. AUGUSTINE FL 32080 1 08/03/02 00 0434586574 05 10/01/02 0 61627360 O 09/01/32 0 8044979 E22/G02 F 90,000.00 ZZ 360 90,000.00 2 7.750 644.77 90 7.500 644.77 BATON ROUGE LA 70815 1 09/17/02 04 0414766303 05 11/01/02 25 0414766303 N 10/01/32 0 8045259 E57/G02 F 342,400.00 ZZ 360 342,119.33 1 7.000 2,278.00 80 6.750 2,278.00 CYPRESS CA 90630 2 08/28/02 00 0434622478 05 10/01/02 0 06009308 O 09/01/32 0 8045999 E86/G02 F 329,500.00 ZZ 360 329,194.82 1 6.375 2,055.65 80 6.125 2,055.65 RANCHO CUCAMONG CA 91739 1 08/20/02 00 0434597472 03 10/01/02 0 0000213190 O 09/01/32 0 8046037 X66/G02 F 382,900.00 ZZ 360 382,900.00 1 7.000 2,547.44 90 6.750 2,547.44 HAYMARKET VA 20169 1 09/13/02 04 0434620191 05 11/01/02 25 89597201 O 10/01/32 0 8046117 Q87/G02 F 127,300.00 ZZ 360 127,210.16 1 7.750 911.99 95 7.500 911.99 DUNLAP TN 37327 5 09/13/02 10 0434617924 05 10/18/02 30 STER01 O 09/18/32 0 1 8046345 X64/G02 F 610,000.00 ZZ 360 610,000.00 1 6.375 3,805.61 74 6.125 3,805.61 BLOOMFIELD HILL MI 48301 5 09/11/02 00 0434613642 05 11/01/02 0 9504880 O 10/01/32 0 8046375 E86/G02 F 558,700.00 ZZ 360 558,218.97 1 6.750 3,623.72 80 6.500 3,623.72 SIGNAL HILL CA 90755 1 08/21/02 00 0434597761 03 10/01/02 0 0000192043 O 09/01/32 0 8046625 964/G02 F 148,680.00 ZZ 360 148,575.06 1 7.750 1,065.16 90 7.500 1,065.16 COLVILLE WA 99114 1 08/22/02 01 0434584264 05 10/01/02 25 247125 O 09/01/32 0 8046733 R26/G02 F 460,000.00 ZZ 360 460,000.00 1 6.375 2,869.80 77 6.125 2,869.80 EL MACERO CA 95618 5 09/11/02 00 0434620282 03 11/01/02 0 003607 O 10/01/32 0 8047385 Q51/G02 F 440,000.00 ZZ 360 440,000.00 1 6.625 2,817.37 79 6.375 2,817.37 GLENDORA CA 91740 2 09/01/02 00 0434627733 05 11/01/02 0 608464R2081313 O 10/01/32 0 8047405 E11/G02 F 500,000.00 ZZ 360 500,000.00 1 1 6.375 3,119.35 74 6.125 3,119.35 EDEN PRAIRIE MN 55346 5 09/11/02 00 0434641270 05 11/01/02 0 1 O 10/01/32 0 8047423 721/G02 F 187,500.00 ZZ 360 187,220.83 1 7.500 1,311.03 79 7.250 1,311.03 LEBANON OR 97355 2 07/09/02 00 0434620381 05 09/01/02 0 7884042239 O 08/01/32 0 8047435 A21/G02 F 344,000.00 ZZ 360 344,000.00 1 6.625 2,202.67 80 6.375 2,202.67 BERGENFIELD NJ 07621 1 09/09/02 00 0434618278 05 11/01/02 0 8880000052 O 10/01/32 0 8047463 Q51/G02 F 360,000.00 ZZ 240 360,000.00 1 6.625 2,710.62 79 6.375 2,710.62 HAYWARD CA 94545 5 09/01/02 00 0434635876 05 11/01/02 0 R2080808 O 10/01/22 0 8048111 E22/G02 F 435,000.00 ZZ 360 435,000.00 2 6.875 2,857.64 70 6.625 2,857.64 AVON BY THE SEA NJ 07717 5 09/13/02 00 0414764175 05 11/01/02 0 0414764175 O 10/01/32 0 8048155 E22/G02 F 336,000.00 ZZ 360 336,000.00 1 7.000 2,235.42 80 6.750 2,235.42 SAN ANTONIO TX 78209 5 09/13/02 00 0414822544 05 11/01/02 0 1 0414822544 O 10/01/32 0 8048175 E22/G02 F 102,500.00 T 240 102,500.00 1 6.250 749.20 69 6.000 749.20 ST. ISABEL CO 81069 2 09/18/02 00 0414834846 05 11/01/02 0 0414834846 O 10/01/22 0 8048243 E22/G02 F 364,000.00 ZZ 360 364,000.00 1 6.375 2,270.89 80 6.125 2,270.89 MISSION VIEJO CA 92691 1 09/10/02 00 0414906776 03 11/01/02 0 0414906776 O 10/01/32 0 8048265 E22/G02 F 288,000.00 ZZ 360 288,000.00 2 7.500 2,013.74 80 7.250 2,013.74 RED BANK NJ 07701 1 09/18/02 00 0414944793 05 11/01/02 0 0414944793 N 10/01/32 0 8048473 H58/G02 F 336,000.00 ZZ 360 335,737.89 1 7.250 2,292.11 80 6.750 2,292.11 SAN DIEGO CA 92124 1 08/07/02 00 0434591988 05 10/01/02 0 102270 O 09/01/32 0 8049121 W02/G02 F 100,050.00 ZZ 360 99,950.39 1 6.000 599.86 96 5.750 599.86 JACKSONVILLE FL 32211 2 08/13/02 12 0434615068 05 10/01/02 35 1001376656 O 09/01/32 0 1 8049415 168/168 F 68,400.00 ZZ 360 68,400.00 1 7.625 484.13 86 7.375 484.13 IRONDEQUOIT NY 14617 1 09/13/02 10 0089562909 05 11/01/02 25 0089562909 N 10/01/32 0 8049461 S11/G02 F 355,000.00 ZZ 360 355,000.00 1 6.625 2,273.10 79 6.375 2,273.10 SAN CLEMENTE CA 92673 2 09/11/02 00 0434624060 03 11/01/02 0 10208998 O 10/01/32 0 8049615 S11/G02 F 568,750.00 ZZ 360 568,750.00 1 6.875 3,736.28 65 6.625 3,736.28 SAN CLEMENTE CA 92672 1 09/06/02 00 0434687562 03 11/01/02 0 10209143 N 10/01/32 0 8049617 G51/G02 F 436,000.00 ZZ 360 436,000.00 1 6.500 2,755.82 80 6.250 2,755.82 BOULDER CO 80301 5 09/12/02 00 0434634705 03 11/01/02 0 0700148 O 10/01/32 0 8049701 737/G02 F 46,800.00 ZZ 360 46,766.97 2 7.750 335.28 90 7.500 335.28 MIDLAND TX 79705 1 09/09/02 01 0434614889 05 10/01/02 25 2080714 N 09/01/32 0 8049733 737/G02 F 408,500.00 ZZ 360 408,500.00 1 6.875 2,683.55 80 6.625 2,683.55 1 PHOENIX AZ 85048 5 09/09/02 00 0434648192 03 11/01/02 0 2083870 O 10/01/32 0 8049741 737/G02 F 46,800.00 ZZ 360 46,766.97 2 7.750 335.28 90 7.500 335.28 MIDLAND TX 79705 1 10/09/02 01 0434615753 05 10/01/02 25 2078472 N 09/01/32 0 8049877 369/G02 F 441,000.00 ZZ 360 440,620.31 1 6.750 2,860.32 75 6.500 2,860.32 ATLANTA GA 30306 5 08/23/02 00 0434630612 05 10/01/02 0 0074395658 O 09/01/32 0 8050087 944/G02 F 358,400.00 ZZ 360 358,400.00 1 6.875 2,354.44 58 6.625 2,354.44 WILTON CA 95693 5 09/03/02 00 0434621439 05 11/01/02 0 W01610471 O 10/01/32 0 8050095 369/G02 F 351,500.00 ZZ 360 351,500.00 1 7.125 2,368.12 95 6.875 2,368.12 LOWELL MA 01852 1 09/06/02 12 0434626321 05 11/01/02 30 23668566 O 10/01/32 0 8050105 950/G02 F 332,000.00 ZZ 360 331,707.09 1 6.625 2,125.83 80 6.375 2,125.83 DUVALL WA 98019 5 08/22/02 00 0434631404 05 10/01/02 0 E1102054 O 09/01/32 0 1 8050395 696/G02 F 346,500.00 ZZ 360 346,500.00 1 7.000 2,305.27 95 6.750 2,305.27 LORTON VA 22079 1 09/10/02 12 0434605507 03 11/01/02 35 25402037 O 10/01/32 0 8050533 696/G02 F 497,000.00 ZZ 360 497,000.00 1 6.500 3,141.38 72 6.250 3,141.38 ARLINGTON VA 22207 1 09/09/02 00 0434620142 05 11/01/02 0 24602235 O 10/01/32 0 8050787 X91/G02 F 800,000.00 ZZ 360 800,000.00 1 6.500 5,056.54 43 6.250 5,056.54 HONOLULU HI 96816 2 09/12/02 00 0434653036 05 11/01/02 0 801426 O 10/01/32 0 8050861 E45/G02 F 396,000.00 ZZ 360 395,650.62 1 6.625 2,535.63 80 6.375 2,535.63 HULL GA 30646 2 08/30/02 00 0434641544 05 10/01/02 0 229067 O 09/01/32 0 8050973 E45/G02 F 99,000.00 ZZ 360 98,928.34 1 7.625 700.72 90 7.375 700.72 NEW SMYRNA BEAC FL 32169 1 08/29/02 11 0434643383 05 10/01/02 25 278699 O 09/01/32 0 8050975 K39/G02 F 484,000.00 ZZ 360 483,056.76 1 1 6.125 2,940.84 80 5.875 2,940.84 LAKEWOOD CO 80235 5 07/31/02 00 0434609996 05 09/05/02 0 521680265 O 08/05/32 0 8051093 E22/G02 F 455,000.00 ZZ 360 455,000.00 1 6.000 2,727.95 65 5.750 2,727.95 WALNUT CREEK CA 94598 5 09/12/02 00 0414697110 05 11/01/02 0 0414697110 O 10/01/32 0 8051171 E22/G02 F 304,000.00 ZZ 360 304,000.00 1 6.875 1,997.06 70 6.625 1,997.06 SAN JOSE CA 95121 2 09/04/02 00 0414730069 05 11/01/02 0 0414730069 N 10/01/32 0 8051213 E22/G02 F 374,000.00 ZZ 360 374,000.00 1 6.750 2,425.76 72 6.500 2,425.76 MILPITAS CA 95035 2 09/11/02 00 0414757054 05 11/01/02 0 0414757054 N 10/01/32 0 8051367 E22/G02 F 306,500.00 ZZ 360 306,500.00 1 6.375 1,912.16 80 6.125 1,912.16 LA MESA CA 91941 1 09/13/02 00 0414890236 05 11/01/02 0 0414890236 O 10/01/32 0 8051987 M27/G02 F 360,000.00 ZZ 360 359,682.38 1 6.625 2,305.12 64 6.375 2,305.12 NASHVILLE TN 37205 5 08/26/02 00 0434617247 05 10/01/02 0 1 600800897 O 09/01/32 0 8052001 742/G02 F 280,250.00 ZZ 360 280,250.00 1 7.625 1,983.59 95 7.375 1,983.59 POUGHKEEPSIE NY 12601 1 09/12/02 11 0434618922 05 11/01/02 25 5670435 O 10/01/32 0 8052081 W39/G02 F 91,200.00 ZZ 360 91,200.00 1 7.750 653.37 95 7.500 653.37 PEARL MS 39208 5 08/28/02 01 0434648812 05 11/01/02 30 LA023000 O 10/01/32 0 8052269 825/G02 F 480,000.00 ZZ 360 480,000.00 1 6.250 2,955.44 80 6.000 2,955.44 BRECKENRIDGE CO 80424 1 09/19/02 00 0434657037 01 11/01/02 0 MCDOWELL14802 O 10/01/32 0 8052311 U05/G02 F 314,500.00 ZZ 360 314,500.00 1 6.625 2,013.78 67 6.375 2,013.78 NEWBURY PARK CA 91320 2 09/04/02 00 0434631875 05 11/01/02 0 3259226 O 10/01/32 0 8052381 P44/G02 F 176,000.00 ZZ 360 176,000.00 1 7.625 1,245.72 80 7.375 1,245.72 BARNSTABLE (HYA MA 02601 1 09/13/02 00 0434633152 05 11/01/02 0 0011828 N 10/01/32 0 1 8052389 X67/G02 F 450,000.00 ZZ 360 450,000.00 1 6.750 2,918.69 65 6.500 2,918.69 PLACERVILLE CA 95667 5 09/12/02 00 0434625083 05 11/01/02 0 00269575 O 10/01/32 0 8052415 N47/G02 F 396,000.00 ZZ 360 396,000.00 1 7.125 2,667.93 79 6.875 2,667.93 SAN DIEGO CA 92109 2 09/04/02 00 0434618591 01 11/01/02 0 30122004 O 10/01/32 0 8052735 W39/G02 F 126,000.00 ZZ 360 126,000.00 2 7.750 902.68 90 7.500 902.68 IRVING TX 75060 1 09/20/02 01 0434637179 05 11/01/02 25 PN122247 N 10/01/32 0 8052757 W39/G02 F 128,250.00 ZZ 360 128,250.00 2 7.750 918.80 90 7.500 918.80 IRVING TX 75060 1 09/20/02 01 0434672663 05 11/01/02 25 PN122247 N 10/01/32 0 8052811 Q14/G02 F 136,800.00 ZZ 360 136,800.00 1 6.250 842.30 90 6.000 842.30 PHOENIX AZ 85048 1 09/19/02 01 0434625919 03 11/01/02 25 02W2456 O 10/01/32 0 8052931 S11/G02 F 314,000.00 ZZ 360 314,000.00 1 6.375 1,958.95 84 6.125 1,958.95 1 FULLERTON CA 92831 5 09/12/02 11 0434665618 05 11/01/02 12 10209197 O 10/01/32 0 8053057 E76/G02 F 72,000.00 ZZ 360 72,000.00 1 6.250 443.32 39 6.000 443.32 EDGEWATER CO 80214 5 09/16/02 00 0434624714 05 11/01/02 0 10016573 O 10/01/32 0 8053075 E45/G02 F 379,000.00 ZZ 360 378,673.69 1 6.750 2,458.19 76 6.500 2,458.19 ALPINE CA 91901 5 08/22/02 00 0434644258 05 10/01/02 0 264432 O 09/01/32 0 8053259 588/G02 F 479,200.00 ZZ 360 478,797.42 1 6.875 3,148.00 80 6.625 3,148.00 CLIFTON VA 20124 1 09/04/02 00 0434631586 03 10/01/02 0 1072153 O 09/01/32 0 8053435 E22/G02 F 361,000.00 ZZ 360 361,000.00 4 7.750 2,586.25 95 7.500 2,586.25 NEW ORLEANS LA 70115 1 09/20/02 01 0414240812 05 11/01/02 30 0414240812 O 10/01/32 0 8053459 E22/G02 F 89,600.00 ZZ 360 89,600.00 1 6.250 551.68 80 6.000 551.68 GREAT FALLS MT 59405 1 09/20/02 00 0414603449 05 11/01/02 0 0414603449 O 10/01/32 0 1 8053467 E22/G02 F 149,000.00 ZZ 360 149,000.00 1 6.250 917.42 74 6.000 917.42 ARVADA CO 80003 5 09/16/02 00 0414641407 05 11/01/02 0 0414641407 O 10/01/32 0 8053539 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.500 2,275.44 90 6.250 2,275.44 BIRMINGHAM AL 35242 5 09/16/02 10 0414786491 03 11/01/02 25 0414786491 O 10/01/32 0 8053569 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.625 2,561.24 77 6.375 2,561.24 SALT LAKE CITY UT 84121 2 09/12/02 00 0414835587 05 11/01/02 0 0414835587 O 10/01/32 0 8053615 E22/G02 F 560,000.00 ZZ 360 560,000.00 1 6.750 3,632.15 80 6.500 3,632.15 SAN FRANCISCO CA 94112 1 09/18/02 00 0414855940 07 11/01/02 0 0414855940 O 10/01/32 0 8053627 E22/G02 F 70,200.00 ZZ 360 70,200.00 1 7.750 502.92 78 7.500 502.92 BESSEMER AL 35023 2 09/20/02 00 0414870428 05 11/01/02 0 0414870428 N 10/01/32 0 8053989 E86/G02 F 391,500.00 ZZ 360 391,179.09 1 1 7.000 2,604.66 90 6.750 2,604.66 POMONA NY 10970 1 08/30/02 04 0434624391 05 10/01/02 25 0000229160 O 09/01/32 0 8054349 E45/G02 F 540,000.00 ZZ 360 539,499.85 1 6.375 3,368.90 70 6.125 3,368.90 RICHMOND VA 23233 5 08/26/02 00 0434643789 03 10/01/02 0 266433 O 09/01/32 0 8054423 E45/G02 F 512,000.00 ZZ 360 511,537.14 1 6.500 3,236.19 76 6.250 3,236.19 PROSPECT KY 40059 2 08/26/02 00 0434642377 05 10/01/02 0 268277 O 09/01/32 0 8055023 N47/G02 F 477,000.00 ZZ 360 477,000.00 1 6.625 3,054.28 68 6.375 3,054.28 HOLLISTER CA 95023 5 09/09/02 00 0434622502 05 11/01/02 0 20121177 O 10/01/32 0 8055025 967/G02 F 500,000.00 ZZ 360 500,000.00 1 6.875 3,284.64 58 6.625 3,284.64 KETCHUM ID 83340 5 09/10/02 00 0434638847 05 11/01/02 0 5682794 O 10/01/32 0 8055077 E47/G02 F 360,000.00 ZZ 360 360,000.00 1 6.750 2,334.95 80 6.500 2,334.95 HUNTINGTON BEAC CA 92649 1 09/04/02 00 0434637203 05 11/01/02 0 1 7331014355 N 10/01/32 0 8055695 N74/G02 F 39,600.00 ZZ 360 39,600.00 1 7.750 283.70 90 7.500 283.70 AUSTIN AR 72007 1 09/20/02 10 0434630547 05 11/01/02 25 0030759010 N 10/01/32 0 8055763 J49/G02 F 496,000.00 ZZ 360 496,000.00 1 6.250 3,053.96 80 6.000 3,053.96 ORANGE CA 92867 1 09/18/02 00 0434681888 03 11/01/02 0 10209074 O 10/01/32 0 8055777 Q59/G02 F 389,950.00 ZZ 360 389,950.00 1 6.875 2,561.69 52 6.625 2,561.69 ANAHEIM CA 92802 1 09/12/02 00 0434642880 05 11/01/02 0 402488 O 10/01/32 0 8055931 F89/G02 F 630,000.00 ZZ 360 630,000.00 1 6.625 4,033.96 75 6.375 4,033.96 CASTAIC CA 91384 2 09/10/02 00 0434623708 05 11/01/02 0 23177 O 10/01/32 0 8056377 W17/G02 F 46,400.00 ZZ 360 46,400.00 1 7.750 332.42 80 7.500 332.42 TAMARAC FL 33321 1 09/19/02 00 0434685004 01 11/01/02 0 020197 N 10/01/32 0 1 8057063 E22/G02 F 893,000.00 ZZ 360 893,000.00 1 6.750 5,791.98 63 6.500 5,791.98 ORINDA CA 94563 2 09/13/02 00 0414366880 05 11/01/02 0 0414366880 O 10/01/32 0 8057081 E22/G02 F 408,700.00 ZZ 360 408,700.00 1 6.250 2,516.44 75 6.000 2,516.44 SEATTLE WA 98105 5 09/11/02 00 0414565119 05 11/01/02 0 0414565119 O 10/01/32 0 8057105 E22/G02 F 64,000.00 ZZ 360 64,000.00 1 7.875 464.04 80 7.625 464.04 FORT COLLINS CO 80525 5 09/23/02 00 0414641787 01 11/01/02 0 0414641787 N 10/01/32 0 8057115 E22/G02 F 102,400.00 ZZ 360 102,400.00 1 7.625 724.78 80 7.375 724.78 PUEBLO CO 81001 2 09/23/02 00 0414661066 05 11/01/02 0 0414661066 N 10/01/32 0 8057137 E22/G02 F 324,000.00 ZZ 360 324,000.00 1 7.250 2,210.25 90 7.000 2,210.25 WEYMOUTH MA 02188 5 09/18/02 01 0414700807 05 11/01/02 25 0414700807 O 10/01/32 0 8057249 E22/G02 F 363,000.00 ZZ 360 363,000.00 1 6.500 2,294.41 65 6.250 2,294.41 1 PETALUMA CA 94954 5 09/13/02 00 0414848705 05 11/01/02 0 0414848705 O 10/01/32 0 8057251 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.375 2,495.48 74 6.125 2,495.48 SAN FRANCISCO CA 94124 1 09/16/02 00 0414849422 07 11/01/02 0 0414849422 O 10/01/32 0 8057275 E22/G02 F 511,000.00 ZZ 360 511,000.00 1 7.250 3,485.92 63 7.000 3,485.92 TACOMA WA 98465 5 09/16/02 00 0414863761 05 11/01/02 0 0414863761 O 10/01/32 0 8057351 E22/G02 F 610,000.00 ZZ 360 610,000.00 1 6.500 3,855.61 79 6.250 3,855.61 CORONA CA 92881 5 09/12/02 00 0414924506 05 11/01/02 0 0414924506 O 10/01/32 0 8057365 E22/G02 F 335,691.00 ZZ 360 335,691.00 1 6.375 2,094.28 90 6.125 2,094.28 CHULA VISTA CA 91914 1 09/17/02 04 0414943738 05 11/01/02 30 0414943738 O 10/01/32 0 8057379 E22/G02 F 405,000.00 ZZ 360 405,000.00 1 6.625 2,593.26 78 6.375 2,593.26 HIGHLAND MI 48356 2 09/17/02 00 0414958835 05 11/01/02 0 0414958835 O 10/01/32 0 1 8057415 G51/G02 F 331,500.00 ZZ 360 331,500.00 1 6.625 2,122.64 89 6.375 2,122.64 AURORA CO 80015 5 09/18/02 04 0434636924 03 11/01/02 25 20000750 O 10/01/32 0 8057455 E45/G02 F 502,000.00 ZZ 360 501,546.19 1 6.500 3,172.98 77 6.250 3,172.98 MISSION VIEJO A CA 92694 5 08/26/02 00 0434639084 03 10/01/02 0 273142 O 09/01/32 0 8057457 G51/G02 F 56,000.00 ZZ 360 56,000.00 1 7.750 401.19 80 7.500 401.19 HOLIDAY FL 34691 1 09/12/02 00 0434645669 05 11/01/02 0 25000551 N 10/01/32 0 8057575 E45/G02 F 343,800.00 ZZ 360 343,473.78 1 6.250 2,116.84 90 6.000 2,116.84 ROME GA 30161 1 09/04/02 11 0434639001 05 10/01/02 25 276330 O 09/01/32 0 8057771 Q51/G02 F 594,000.00 ZZ 360 594,000.00 1 6.625 3,803.45 75 6.375 3,803.45 SAN MARINO CA 91108 1 09/06/02 00 0434642708 05 11/01/02 0 0613051R2080206 O 10/01/32 0 8057775 G34/G02 F 476,000.00 ZZ 360 476,000.00 1 1 6.375 2,969.62 80 6.125 2,969.62 BERKELEY CA 94702 1 09/13/02 00 0434646584 29 11/01/02 0 48200614 O 10/01/32 0 8058225 P59/G02 F 312,750.00 ZZ 360 312,750.00 1 6.750 2,028.49 90 6.500 2,028.49 PALMDALE AREA CA 93551 1 09/11/02 01 0434630521 05 11/01/02 25 AT004370 O 10/01/32 0 8058235 E77/G02 F 381,600.00 ZZ 360 381,600.00 1 6.500 2,411.97 80 6.250 2,411.97 MILLERSVILLE MD 21108 1 09/12/02 00 0434646907 03 11/01/02 0 1010002223 O 10/01/32 0 8058291 U28/G02 F 192,000.00 ZZ 360 192,000.00 1 6.250 1,182.18 77 6.000 1,182.18 FUQUAY VARINA NC 27526 2 09/17/02 00 0434638680 05 11/01/02 0 2000005061 O 10/01/32 0 8058463 W35/G02 F 150,800.00 ZZ 240 150,800.00 1 6.250 1,102.24 80 6.000 1,102.24 NORTH STREET MI 48049 5 09/18/02 00 0434638987 05 11/01/02 0 14136 O 10/01/22 0 8058709 975/G02 F 570,000.00 ZZ 360 570,000.00 1 6.500 3,602.79 75 6.250 3,602.79 RANCHO CUCAMONG CA 91737 1 09/04/02 00 0434637153 03 11/01/02 0 1 2023248 O 10/01/32 0 8058711 U36/G02 F 343,000.00 ZZ 360 343,000.00 1 6.125 2,084.10 78 5.875 2,084.10 ATLANTA GA 30338 2 09/12/02 00 0434638953 03 11/01/02 0 8187722002 O 10/01/32 0 8058731 975/G02 F 344,000.00 ZZ 360 344,000.00 1 6.375 2,146.11 80 6.125 2,146.11 FULLERTON CA 92833 5 09/09/02 00 0434635629 03 11/01/02 0 2023335 O 10/01/32 0 8058747 116/116 F 395,250.00 ZZ 360 395,250.00 1 6.500 2,498.25 71 6.250 2,498.25 HOUSTON TX 77024 2 09/09/02 00 091022498 05 11/01/02 0 091022498 O 10/01/32 0 8059431 E22/G02 F 382,500.00 ZZ 360 382,500.00 1 6.500 2,417.66 75 6.250 2,417.66 SAN DIEGO CA 92122 2 09/13/02 00 0414605675 05 11/01/02 0 0414605675 O 10/01/32 0 8059499 E82/G02 F 188,300.00 ZZ 360 188,300.00 4 7.625 1,332.78 60 7.375 1,332.78 SEATTLE WA 98106 2 09/23/02 00 0400694626 05 11/01/02 0 2849072 N 10/01/32 0 1 8059503 E82/G02 F 236,350.00 ZZ 360 236,350.00 4 7.625 1,672.87 77 7.375 1,672.87 SEATTLE WA 98106 2 09/23/02 00 0400694634 05 11/01/02 0 2849073 N 10/01/32 0 8059543 E22/G02 F 89,000.00 ZZ 360 89,000.00 1 7.625 629.94 78 7.375 629.94 PRUDENVILLE MI 48651 2 09/19/02 00 0414815233 05 11/01/02 0 0414815233 O 10/01/32 0 8059563 E22/G02 F 595,000.00 ZZ 360 595,000.00 1 6.500 3,760.80 75 6.250 3,760.80 BEVERLY HILLS CA 90210 2 09/18/02 00 0414845669 01 11/01/02 0 0414845669 O 10/01/32 0 8059591 E22/G02 F 500,000.00 ZZ 360 500,000.00 1 6.625 3,201.55 50 6.375 3,201.55 KNIGHTSTEN CA 94513 5 09/12/02 00 0414868968 05 11/01/02 0 0414868968 O 10/01/32 0 8059607 E22/G02 F 58,400.00 ZZ 360 58,400.00 1 7.750 418.38 80 7.500 418.38 PRAIRIEVILLE LA 70769 1 09/24/02 00 0414886515 05 11/01/02 0 0414886515 N 10/01/32 0 8059613 E22/G02 F 458,000.00 ZZ 360 458,000.00 1 6.375 2,857.32 80 6.125 2,857.32 1 LOVELAND CO 80537 5 09/19/02 00 0414891861 05 11/01/02 0 0414891861 O 10/01/32 0 8059641 E22/G02 F 462,750.00 ZZ 360 462,750.00 1 6.375 2,886.96 80 6.125 2,886.96 HOUSTON TX 77027 2 09/19/02 00 0414920090 05 11/01/02 0 0414920090 O 10/01/32 0 8059645 E22/G02 F 370,000.00 ZZ 360 370,000.00 1 6.375 2,308.32 70 6.125 2,308.32 SAN FRANCISCO CA 94116 1 09/16/02 00 0414930206 07 11/01/02 0 0414930206 O 10/01/32 0 8059655 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.500 2,149.03 80 6.250 2,149.03 DALY CITY CA 94015 1 09/18/02 00 0414937748 05 11/01/02 0 0414937748 O 10/01/32 0 8059659 E22/G02 F 102,000.00 ZZ 360 102,000.00 1 6.125 619.76 73 5.875 619.76 TURNER OR 97392 2 09/17/02 00 0414946426 27 11/01/02 0 0414946426 O 10/01/32 0 8059663 E22/G02 F 218,400.00 ZZ 360 218,400.00 1 6.250 1,344.73 80 6.000 1,344.73 FORT COLLINS CO 80526 1 09/24/02 00 0414953588 03 11/01/02 0 0414953588 O 10/01/32 0 1 8059677 E22/G02 F 396,000.00 ZZ 360 396,000.00 1 6.375 2,470.52 80 6.125 2,470.52 SCOTTS VALLEY CA 95066 2 09/12/02 00 0414967190 05 11/01/02 0 0414967190 O 10/01/32 0 8059681 E22/G02 F 116,100.00 ZZ 360 116,100.00 1 7.625 821.75 90 7.375 821.75 ALLEN TX 75013 1 09/24/02 04 0414995134 05 11/01/02 25 0414995134 N 10/01/32 0 8059815 Q31/G02 F 398,750.00 ZZ 360 398,750.00 1 6.750 2,586.29 84 6.500 2,586.29 WHITEHALL MD 21161 2 09/17/02 10 0434647293 03 11/01/02 12 MD15019 O 10/01/32 0 8060297 U05/G02 F 328,500.00 ZZ 360 328,500.00 1 6.375 2,049.41 90 6.125 2,049.41 FULLERTON CA 92835 1 09/17/02 10 0434636288 05 11/01/02 25 3259227 O 10/01/32 0 8060371 W39/G02 F 400,000.00 ZZ 360 400,000.00 1 6.625 2,561.24 57 6.375 2,561.24 BATON ROUGE LA 70809 2 09/13/02 00 0434679809 05 11/01/02 0 LA023125 O 10/01/32 0 8060871 F25/G02 F 318,400.00 ZZ 360 318,400.00 1 1 7.375 2,199.11 80 7.125 2,199.11 PLEASANTVILLE NY 10570 1 09/25/02 00 0434646790 09 11/01/02 0 0575974 O 10/01/32 0 8060881 X31/G02 F 496,000.00 ZZ 360 496,000.00 1 6.625 3,175.94 80 6.375 3,175.94 RANCHO SANTA MA CA 92579 5 09/17/02 00 0434647384 05 11/01/02 0 40103792 O 10/01/32 0 8060901 R84/G02 F 414,100.00 ZZ 360 414,100.00 1 6.625 2,651.53 79 6.375 2,651.53 BELLAIRE TX 77401 5 09/23/02 00 0434701496 05 11/01/02 0 0610534 O 10/01/32 0 8060941 883/G02 F 399,999.00 ZZ 360 399,999.00 1 7.625 2,831.17 77 7.375 2,831.17 LITHIA FL 33547 2 09/12/02 00 0434685475 03 11/01/02 0 05013477 O 10/01/32 0 8061219 W17/G02 F 112,100.00 ZZ 360 112,100.00 1 7.750 803.10 95 7.500 803.10 FORT LAUDERALE FL 33311 1 09/19/02 01 0434642633 05 11/01/02 30 020217 O 10/01/32 0 8061697 Q31/G02 F 442,500.00 ZZ 360 442,500.00 1 6.375 2,760.63 80 6.125 2,760.63 VISTA CA 92084 5 09/21/02 00 0434656708 05 11/01/02 0 1 SD863062 O 10/01/32 0 8061731 R65/G02 F 274,320.00 ZZ 360 274,320.00 1 6.250 1,689.04 90 6.000 1,689.04 OWENSBORO KY 42303 5 09/11/02 01 0434647913 05 11/01/02 25 416600004166428 O 10/01/32 0 8062281 E82/G02 F 470,000.00 ZZ 360 470,000.00 1 7.125 3,166.48 79 6.875 3,166.48 FOUNTAIN VALLEY CA 92708 5 09/20/02 00 0400662318 05 11/01/02 0 0400662318 O 10/01/32 0 8062339 E45/G02 F 380,000.00 ZZ 360 379,664.74 1 6.625 2,433.18 80 6.375 2,433.18 IRVINE CA 92604 5 08/26/02 00 0434666095 03 10/01/02 0 259717 O 09/01/32 0 8062727 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.375 2,495.48 76 6.125 2,495.48 LONG BEACH CA 90803 5 09/19/02 00 0414924563 05 11/01/02 0 0414924563 O 10/01/32 0 8062785 E22/G02 F 400,000.00 ZZ 360 400,000.00 1 6.750 2,594.39 79 6.500 2,594.39 LOS ANGELES CA 91602 1 09/19/02 00 0414980920 01 11/01/02 0 0414980920 O 10/01/32 0 1 8062851 E22/G02 F 88,000.00 ZZ 360 88,000.00 2 7.750 630.44 80 7.500 630.44 POMPANO BEACH FL 33062 1 09/25/02 00 0414725069 05 11/01/02 0 0414725069 N 10/01/32 0 8062853 E22/G02 F 356,500.00 ZZ 360 356,500.00 1 6.625 2,282.71 72 6.375 2,282.71 DURHAM CA 95938 2 09/12/02 00 0414725481 05 11/01/02 0 0414725481 O 10/01/32 0 8062857 E22/G02 F 504,000.00 ZZ 360 504,000.00 1 6.625 3,227.17 80 6.375 3,227.17 AUBURN WA 98092 5 09/19/02 00 0414739276 05 11/01/02 0 0414739276 O 10/01/32 0 8062871 E22/G02 F 46,800.00 ZZ 360 46,800.00 1 7.875 339.33 90 7.625 339.33 GAUTIER MS 39553 2 09/25/02 01 0414759191 05 11/01/02 25 0414759191 N 10/01/32 0 8062887 E22/G02 F 371,000.00 ZZ 360 371,000.00 1 6.250 2,284.31 75 6.000 2,284.31 MISSION VIEJO CA 92692 5 09/17/02 00 0414781518 05 11/01/02 0 0414781518 O 10/01/32 0 8063035 B43/G02 F 400,000.00 ZZ 360 400,000.00 1 6.500 2,528.27 78 6.250 2,528.27 1 UPLAND AREA CA 91784 5 09/12/02 00 0434648184 05 11/01/02 0 28112 O 10/01/32 0 8063833 E45/G02 F 316,000.00 ZZ 360 316,000.00 1 6.875 2,075.90 80 6.625 2,075.90 NEW ALBANY OH 43054 5 09/11/02 00 0434663027 05 11/01/02 0 276809 O 10/01/32 0 8064417 X51/G02 F 345,000.00 ZZ 360 345,000.00 1 6.500 2,180.63 71 6.250 2,180.63 LAGUNA NIGUEL CA 92677 5 09/11/02 00 0434688255 03 11/01/02 0 R2053657 O 10/01/32 0 8065129 E82/G02 F 133,500.00 ZZ 360 133,500.00 1 6.250 821.98 59 6.000 821.98 SAVAGE MN 55378 2 09/25/02 00 0400700787 05 11/01/02 0 1875539 O 10/01/32 0 8065133 E82/G02 F 456,500.00 ZZ 360 456,500.00 1 6.875 2,998.88 78 6.625 2,998.88 SIMI VALLEY CA 93065 5 09/25/02 00 0400697462 03 11/01/02 0 0400697462 O 10/01/32 0 8065313 E82/G02 F 400,000.00 ZZ 360 400,000.00 1 7.000 2,661.21 67 6.750 2,661.21 NICOMA PARK OK 73066 5 09/20/02 00 0400666087 05 11/01/02 0 0400666087 O 10/01/32 0 1 8065525 420/G02 F 318,000.00 ZZ 360 318,000.00 1 6.750 2,062.54 77 6.500 2,062.54 ROHNERT PARK CA 94928 5 08/30/02 00 0434652830 05 11/01/02 0 72002270 O 10/01/32 0 8065911 E22/G02 F 318,000.00 ZZ 360 318,000.00 1 6.500 2,009.98 80 6.250 2,009.98 MATAWAN NJ 07747 1 09/26/02 00 0414608778 05 11/01/02 0 0414608778 O 10/01/32 0 8065927 E22/G02 F 101,500.00 ZZ 360 101,500.00 1 7.625 718.41 80 7.375 718.41 RIDGELAND MS 39157 1 09/12/02 00 0414678573 01 11/01/02 0 0414678573 N 10/01/32 0 8065953 E22/G02 F 559,500.00 ZZ 360 559,500.00 2 6.500 3,536.42 70 6.250 3,536.42 BURLINGAME CA 94010 5 09/16/02 00 0414774125 05 11/01/02 0 0414774125 O 10/01/32 0 8065957 E22/G02 F 358,000.00 T 360 358,000.00 1 6.875 2,351.81 57 6.625 2,351.81 BIG SKY MT 59716 2 09/26/02 00 0414792564 22 11/01/02 0 0414792564 O 10/01/32 0 8065973 E22/G02 F 330,000.00 ZZ 360 330,000.00 1 1 6.250 2,031.87 66 6.000 2,031.87 CHINO HILLS CA 91709 2 09/19/02 00 0414819292 05 11/01/02 0 0414819292 O 10/01/32 0 8066181 U05/G02 F 307,500.00 ZZ 360 307,500.00 1 6.750 1,994.44 75 6.500 1,994.44 GRANTS PASS OR 97527 5 09/16/02 00 0434665121 05 11/01/02 0 3259061 O 10/01/32 0 8066213 U87/G02 F 342,400.00 ZZ 360 342,400.00 1 6.625 2,192.42 80 6.375 2,192.42 WESTMINSTER CA 92683 5 09/25/02 00 0434709630 05 11/01/02 0 4007 O 10/01/32 0 8066389 H76/G02 F 48,750.00 ZZ 360 48,716.44 1 7.875 353.48 75 7.625 353.48 SALISBURY MD 21804 5 08/26/02 00 0434639522 05 10/01/02 0 2002440675 N 09/01/32 0 8066495 H76/G02 F 88,500.00 ZZ 360 88,500.00 1 7.750 634.03 78 7.500 634.03 DELAND FL 32720 2 09/14/02 00 0434639449 05 11/01/02 0 2002444059 N 10/01/32 0 8066623 E22/G02 F 440,000.00 ZZ 360 440,000.00 1 6.375 2,745.03 80 6.125 2,745.03 SAN FRANCISCO CA 94116 1 09/20/02 00 0414890905 05 11/01/02 0 1 0414890905 O 10/01/32 0 8066703 E22/G02 F 445,000.00 ZZ 360 445,000.00 1 6.375 2,776.22 79 6.125 2,776.22 SAN RAMON CA 94583 5 09/16/02 00 0414954420 03 11/01/02 0 0414954420 O 10/01/32 0 8066815 N47/G02 F 469,700.00 ZZ 360 469,700.00 1 6.625 3,007.54 70 6.375 3,007.54 SAN RAMON CA 94583 5 09/18/02 00 0434683678 03 11/01/02 0 20221586 O 10/01/32 0 8067021 B44/G02 F 370,000.00 T 360 370,000.00 1 6.750 2,399.81 73 6.500 2,399.81 PACIFIC GROVE CA 93950 1 09/10/02 00 0434660759 05 11/01/02 0 3020507 O 10/01/32 0 8067055 M24/G02 F 547,500.00 ZZ 360 547,500.00 1 6.625 3,505.70 80 6.375 3,505.70 SAN JOSE CA 95132 2 09/18/02 00 0434725008 05 11/01/02 0 223BOOMERSHINE O 10/01/32 0 8067109 A35/G02 F 445,000.00 ZZ 360 445,000.00 1 6.500 2,812.70 75 6.250 2,812.70 BRIGHTWATERS NY 11718 5 09/19/02 00 0434664389 05 11/01/02 0 13914 O 10/01/32 0 1 8067139 X08/G02 F 75,000.00 ZZ 360 75,000.00 1 6.250 461.79 75 6.000 461.79 PROVO UT 84601 2 09/12/02 00 0434659892 01 11/01/02 0 6012733 N 10/01/32 0 8067155 P44/G02 F 530,000.00 ZZ 360 530,000.00 1 6.375 3,306.51 67 6.125 3,306.51 BARNSTABLE MA 02655 5 09/23/02 00 0434665246 05 11/01/02 0 1 O 10/01/32 0 8067223 W35/G02 F 190,760.00 ZZ 360 190,760.00 1 6.125 1,159.08 80 5.875 1,159.08 CARMEL IN 46033 2 09/16/02 00 0434664439 05 11/01/02 0 13378 O 10/01/32 0 8068819 601/G02 F 305,100.00 ZZ 360 304,817.41 1 6.375 1,903.43 90 6.125 1,903.43 ALBANY OR 97321 1 08/10/02 14 0434643706 05 10/01/02 25 18767327 O 09/01/32 0 8069027 E22/G02 F 333,600.00 ZZ 360 333,600.00 1 6.250 2,054.03 80 6.000 2,054.03 AUSTIN TX 78759 5 09/23/02 00 0414299438 05 11/01/02 0 0414299438 O 10/01/32 0 8069075 E22/G02 F 520,000.00 ZZ 360 520,000.00 1 6.375 3,244.12 80 6.125 3,244.12 1 BIRMINGHAM AL 35242 1 09/27/02 00 0414712935 03 11/01/02 0 0414712935 O 10/01/32 0 8069181 E22/G02 F 368,000.00 ZZ 360 368,000.00 1 7.125 2,479.28 80 6.875 2,479.28 WASHINGTON DC 20001 5 09/23/02 00 0414895441 07 11/01/02 0 0414895441 O 10/01/32 0 8069221 E22/G02 F 126,000.00 ZZ 360 126,000.00 2 7.875 913.59 90 7.625 913.59 LAWRENCEVILLE GA 30045 1 09/27/02 01 0414927194 05 11/01/02 25 0414927194 N 10/01/32 0 8069277 E22/G02 F 194,000.00 ZZ 360 194,000.00 1 7.625 1,373.12 80 7.375 1,373.12 COLORADO SPRING CO 80921 1 09/27/02 00 0414975631 09 11/01/02 0 0414975631 N 10/01/32 0 8069289 E22/G02 F 110,500.00 ZZ 360 110,500.00 1 6.000 662.50 90 5.750 662.50 FORTVILLE IN 46040 2 09/23/02 11 0414980789 05 11/01/02 25 0414980789 O 10/01/32 0 8069301 E22/G02 F 57,000.00 ZZ 360 57,000.00 1 7.875 413.29 43 7.625 413.29 FREELAND MI 48623 5 09/27/02 00 0414988857 05 11/01/02 0 0414988857 N 10/01/32 0 1 8069307 E22/G02 F 85,000.00 ZZ 360 85,000.00 1 6.250 523.36 77 6.000 523.36 WRAY CO 80758 5 09/23/02 00 0414771618 05 11/01/02 0 0414771618 O 10/01/32 0 8069611 L76/G02 F 280,000.00 ZZ 360 280,000.00 1 6.125 1,701.31 80 5.875 1,701.31 SAVAGE MN 55378 5 09/23/02 00 0434658787 05 11/01/02 0 991222 O 10/01/32 0 8070125 M24/G02 F 376,000.00 ZZ 360 376,000.00 1 6.500 2,376.58 80 6.250 2,376.58 LADERA RANCH CA 92694 2 09/03/02 00 0434670774 03 11/01/02 0 288205453 O 10/01/32 0 8070151 U05/G02 F 384,000.00 ZZ 360 384,000.00 1 6.250 2,364.35 80 6.000 2,364.35 THOUSAND OAKS CA 91360 2 09/17/02 00 0434671517 05 11/01/02 0 3255704 O 10/01/32 0 8070353 W40/G02 F 108,000.00 ZZ 360 108,000.00 1 7.750 773.73 100 7.500 773.73 WARREN MI 48091 1 09/16/02 01 0434653267 05 11/01/02 35 101011162 O 10/01/32 0 8070491 N47/G02 F 332,000.00 ZZ 360 332,000.00 1 1 6.750 2,153.35 74 6.500 2,153.35 NEWARK CA 94560 5 09/13/02 00 0434664181 05 11/01/02 0 20321230 O 10/01/32 0 8070621 944/G02 F 322,500.00 ZZ 360 322,500.00 1 6.375 2,011.99 75 6.125 2,011.99 SAN JOSE CA 95128 2 09/12/02 00 0434649927 05 11/01/02 0 W02029680 O 10/01/32 0 8070659 N47/G02 F 350,000.00 ZZ 360 350,000.00 1 6.750 2,270.09 64 6.500 2,270.09 GILROY CA 95020 5 09/16/02 00 0434683652 05 11/01/02 0 20321177 O 10/01/32 0 8070673 M27/G02 F 320,000.00 ZZ 360 320,000.00 1 6.750 2,075.51 78 6.500 2,075.51 BRENTWOOD TN 37027 5 09/16/02 00 0434685921 05 11/01/02 0 5000089013 O 10/01/32 0 8072621 E22/G02 F 312,000.00 ZZ 360 312,000.00 1 6.750 2,023.63 80 6.500 2,023.63 HUNTINGTON BEAC CA 92647 2 09/11/02 00 0414437228 05 11/01/02 0 0414437228 O 10/01/32 0 8072643 E22/G02 F 81,600.00 ZZ 360 81,543.84 1 7.875 591.66 80 7.625 591.66 FERNDALE MI 48220 1 08/29/02 00 0414591859 05 10/01/02 0 1 0414591859 N 09/01/32 0 8072657 E22/G02 F 148,000.00 ZZ 360 148,000.00 1 6.250 911.26 80 6.000 911.26 THORNTON CO 80229 5 09/24/02 00 0414672600 05 11/01/02 0 0414672600 O 10/01/32 0 8072665 E22/G02 F 375,000.00 ZZ 360 375,000.00 1 6.500 2,370.26 35 6.250 2,370.26 SEATTLE WA 98121 5 09/19/02 00 0414691410 08 11/01/02 0 0414691410 O 10/01/32 0 8072677 E22/G02 F 348,000.00 ZZ 360 348,000.00 1 6.375 2,171.07 80 6.125 2,171.07 SOUTHLAKE TX 76092 2 09/24/02 00 0414708917 03 11/01/02 0 0414708917 O 10/01/32 0 8072695 E22/G02 F 155,700.00 ZZ 360 155,700.00 1 7.875 1,128.93 90 7.625 1,128.93 ROSELLE NJ 07203 1 09/30/02 04 0414729731 05 11/01/02 30 0414729731 O 10/01/32 0 8072697 E22/G02 F 378,300.00 ZZ 240 378,300.00 1 6.500 2,820.50 80 6.250 2,820.50 TOMBALL TX 77375 2 09/25/02 00 0414730028 05 11/01/02 0 0414730028 O 10/01/22 0 1 8072723 E22/G02 F 350,000.00 ZZ 360 350,000.00 1 6.750 2,270.09 59 6.500 2,270.09 NEVADA CITY CA 95959 5 09/17/02 00 0414760033 05 11/01/02 0 0414760033 O 10/01/32 0 8072859 E22/G02 F 318,500.00 ZZ 360 318,500.00 1 7.000 2,118.99 75 6.750 2,118.99 ROUND ROCK TX 78681 2 09/30/02 00 0414829051 05 11/01/02 0 0414829051 N 10/01/32 0 8072865 E22/G02 F 456,500.00 ZZ 360 456,500.00 1 6.625 2,923.02 68 6.375 2,923.02 SAN JOSE CA 95123 2 09/24/02 00 0414832717 05 11/01/02 0 0414832717 O 10/01/32 0 8072921 E22/G02 F 540,000.00 ZZ 360 540,000.00 1 6.375 3,368.90 77 6.125 3,368.90 FORT COLLINS CO 80528 2 09/24/02 00 0414853788 03 11/01/02 0 0414853788 O 10/01/32 0 8072933 E22/G02 F 486,000.00 ZZ 360 486,000.00 1 6.500 3,071.85 60 6.250 3,071.85 SAN FRANCISCO CA 94122 1 09/13/02 00 0414860353 05 11/01/02 0 0414860353 N 10/01/32 0 8072963 E22/G02 F 106,300.00 ZZ 360 106,300.00 1 6.125 645.89 85 5.875 645.89 1 CARTERSVILLE GA 30120 2 09/25/02 01 0414874057 05 11/01/02 12 0414874057 O 10/01/32 0 8073029 E22/G02 F 600,000.00 ZZ 360 600,000.00 1 6.750 3,891.59 75 6.500 3,891.59 ARCADIA CA 91006 5 09/23/02 00 0414892570 05 11/01/02 0 0414892570 O 10/01/32 0 8073047 E22/G02 F 315,000.00 ZZ 360 315,000.00 1 6.500 1,991.01 70 6.250 1,991.01 DESTIN FL 32550 2 09/25/02 00 0414899096 05 11/01/02 0 0414899096 O 10/01/32 0 8073101 E22/G02 F 340,000.00 ZZ 360 340,000.00 1 6.250 2,093.44 80 6.000 2,093.44 SANDY UT 84094 5 09/24/02 00 0414918706 05 11/01/02 0 0414918706 O 10/01/32 0 8073115 E22/G02 F 329,000.00 ZZ 360 329,000.00 1 6.500 2,079.50 76 6.250 2,079.50 LA(NORTHRIDGE) CA 91326 5 09/18/02 00 0414920827 05 11/01/02 0 0414920827 O 10/01/32 0 8073165 E22/G02 F 36,800.00 ZZ 360 36,800.00 1 7.875 266.83 80 7.625 266.83 ANNISTON AL 36206 1 09/30/02 00 0414933234 07 11/01/02 0 0414933234 N 10/01/32 0 1 8073203 E22/G02 F 424,000.00 T 360 424,000.00 1 6.375 2,645.21 80 6.125 2,645.21 PORTLAND OR 97210 1 09/19/02 00 0414940379 05 11/01/02 0 0414940379 O 10/01/32 0 8073229 E22/G02 F 398,400.00 ZZ 360 398,400.00 1 6.625 2,551.00 80 6.375 2,551.00 MIAMI FL 33157 5 09/25/02 00 0414947028 05 11/01/02 0 0414947028 O 10/01/32 0 8073253 E22/G02 F 322,000.00 ZZ 360 322,000.00 1 6.500 2,035.26 70 6.250 2,035.26 FAIRFAX CA 94930 1 09/20/02 00 0414956177 05 11/01/02 0 0414956177 N 10/01/32 0 8073323 E22/G02 F 324,000.00 ZZ 360 324,000.00 1 6.375 2,021.34 80 6.125 2,021.34 MASSAPEQUA NY 11762 5 09/24/02 00 0414968156 05 11/01/02 0 0414968156 O 10/01/32 0 8073475 E22/G02 F 213,644.00 ZZ 360 213,644.00 1 6.250 1,315.44 88 6.000 1,315.44 LEHI UT 84043 2 09/19/02 04 0415018837 05 11/01/02 25 0415018837 O 10/01/32 0 8073499 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 1 6.375 2,370.71 80 6.125 2,370.71 SAN JOSE CA 95127 2 09/25/02 00 0415038124 05 11/01/02 0 0415038124 O 10/01/32 0 8073657 E11/G02 F 400,000.00 ZZ 360 400,000.00 1 6.250 2,462.87 80 6.000 2,462.87 MINNEAPOLIS MN 55405 1 09/25/02 00 0434669966 05 11/01/02 0 3147218 O 10/01/32 0 8073661 X67/G02 F 415,831.00 ZZ 360 415,831.00 1 6.375 2,594.24 70 6.125 2,594.24 LOS ANGELES CA 90034 1 09/20/02 00 0434687679 05 11/01/02 0 00269909 O 10/01/32 0 8073785 Q87/G02 F 42,000.00 ZZ 360 42,000.00 1 6.000 251.81 56 5.750 251.81 MOBILE AL 36606 1 09/27/02 00 0434679288 05 11/01/02 0 HAWI01 O 10/01/32 0 8073899 144/144 F 438,400.00 ZZ 360 438,400.00 1 6.375 2,735.05 80 6.125 2,735.05 NEW PALTZ NY 12561 5 09/19/02 00 160698019 05 11/01/02 0 160698019 O 10/01/32 0 8073937 U05/G02 F 320,000.00 ZZ 360 320,000.00 1 6.500 2,022.62 80 6.250 2,022.62 WEST HILLS CA 91304 5 09/19/02 00 0434712139 05 11/01/02 0 1 3260398 O 10/01/32 0 8074223 U05/G02 F 400,000.00 ZZ 360 400,000.00 1 6.750 2,594.39 80 6.500 2,594.39 LAGO VISTA TX 78645 5 09/23/02 00 0434674131 05 11/01/02 0 3260563 O 10/01/32 0 8074231 F97/F97 F 368,000.00 ZZ 360 367,683.16 1 6.750 2,386.84 80 6.500 2,386.84 NORTHBROOK IL 60062 5 08/05/02 00 2000466665 05 10/01/02 0 2000466665 O 09/01/32 0 8074237 P44/G02 F 433,000.00 ZZ 360 433,000.00 2 6.625 2,772.55 69 6.375 2,772.55 NANTUCKET MA 02554 2 09/20/02 00 0434698155 05 11/01/02 0 0011988 O 10/01/32 0 8074247 N74/G02 F 224,000.00 ZZ 360 223,787.46 1 6.250 1,379.21 80 6.000 1,379.21 HERNDON VA 20170 5 09/23/02 00 0434650867 05 10/27/02 0 0030760010 O 09/27/32 0 8074751 N74/G02 F 77,000.00 ZZ 240 77,000.00 1 6.125 557.22 79 5.875 557.22 ARCHDALE NC 27263 5 09/25/02 00 0434656765 05 11/01/02 0 0030776010 O 10/01/22 0 1 8074789 N74/G02 F 92,300.00 ZZ 360 92,300.00 1 6.250 568.31 74 6.000 568.31 MCALESTER OK 74501 2 09/24/02 00 0434660874 05 11/01/02 0 0030775010 O 10/01/32 0 8075485 E22/G02 F 102,400.00 ZZ 360 102,400.00 2 7.750 733.61 80 7.500 733.61 NEW HAVEN CT 06511 5 10/01/02 00 0414706093 05 11/01/02 0 0414706093 N 10/01/32 0 8075563 E22/G02 F 350,400.00 ZZ 360 350,400.00 1 6.375 2,186.04 80 6.125 2,186.04 SAN FRANCISCO CA 94116 1 09/23/02 00 0414890657 05 11/01/02 0 0414890657 O 10/01/32 0 8075609 E22/G02 F 382,000.00 ZZ 360 382,000.00 1 6.375 2,383.18 78 6.125 2,383.18 ROCKLIN CA 95677 2 09/19/02 00 0414953679 05 11/01/02 0 0414953679 O 10/01/32 0 8076151 950/G02 F 268,000.00 ZZ 360 267,745.71 1 6.250 1,650.12 80 6.000 1,650.12 TIGARD OR 97223 1 08/27/02 00 0434702452 05 10/01/02 0 Y6208010 O 09/01/32 0 8076207 U05/G02 F 344,500.00 ZZ 360 344,500.00 1 6.750 2,234.42 60 6.500 2,234.42 1 NORTH HOLLYWOOD CA 91602 2 09/20/02 00 0434655015 05 11/01/02 0 3260276 N 10/01/32 0 8076665 K39/G02 F 78,400.00 ZZ 360 78,344.66 1 7.750 561.67 80 7.500 561.67 ATLANTA GA 30318 5 09/17/02 00 0434663381 05 10/23/02 0 417545614 O 09/23/32 0 8076731 N47/G02 F 392,000.00 T 360 392,000.00 1 6.750 2,542.50 68 6.500 2,542.50 SANTA BARBARA CA 93108 5 09/18/02 00 0434665071 01 11/01/02 0 20620030 O 10/01/32 0 8077093 944/G02 F 350,000.00 ZZ 360 350,000.00 1 6.375 2,183.55 79 6.125 2,183.55 HOLLISTER CA 95023 5 09/13/02 00 0434668042 05 11/01/02 0 R00092291 O 10/01/32 0 8077207 M24/G02 F 365,750.00 ZZ 360 365,750.00 1 6.750 2,372.25 95 6.500 2,372.25 GARDEN GROVE CA 92840 1 09/17/02 14 0434687398 05 11/01/02 30 288105546 O 10/01/32 0 8077855 X67/G02 F 360,000.00 ZZ 360 360,000.00 1 6.500 2,275.44 66 6.250 2,275.44 VENICE AREA CA 90291 5 09/19/02 00 0434678777 05 11/01/02 0 270000 O 10/01/32 0 1 8078543 E82/G02 F 343,200.00 ZZ 360 343,200.00 1 6.500 2,169.26 80 6.250 2,169.26 SIERRA MADRE CA 91024 2 09/26/02 00 0400696209 05 11/01/02 0 4196981 O 10/01/32 0 8078591 M24/G02 F 308,300.00 ZZ 360 308,300.00 1 6.375 1,923.39 73 6.125 1,923.39 SACRAMENTO CA 95818 5 09/20/02 00 0434666392 05 11/01/02 0 253104915 O 10/01/32 0 8078679 E22/G02 F 55,250.00 ZZ 360 55,250.00 1 7.875 400.60 73 7.625 400.60 GREENVILLE SC 29611 2 10/02/02 00 0414527986 05 11/01/02 0 0414527986 N 10/01/32 0 8078701 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.250 2,216.58 74 6.000 2,216.58 PLYMOUTH MN 55446 5 09/27/02 00 0414729244 05 11/01/02 0 0414729244 O 10/01/32 0 8078731 E22/G02 F 341,000.00 ZZ 360 341,000.00 1 6.250 2,099.60 57 6.000 2,099.60 LIVERMORE CA 94551 2 09/24/02 00 0414830463 05 11/01/02 0 0414830463 O 10/01/32 0 8078855 E22/G02 F 385,000.00 ZZ 360 385,000.00 1 1 6.500 2,433.46 49 6.250 2,433.46 PALO ALTO CA 94306 5 09/24/02 00 0414937516 05 11/01/02 0 0414937516 O 10/01/32 0 8078889 E22/G02 F 414,250.00 ZZ 360 414,250.00 1 6.375 2,584.38 72 6.125 2,584.38 LIVERMORE CA 94550 2 09/18/02 00 0414954479 05 11/01/02 0 0414954479 O 10/01/32 0 8078929 E22/G02 F 45,500.00 ZZ 360 45,500.00 1 7.875 329.91 74 7.625 329.91 GREENVILLE SC 29611 2 10/02/02 00 0415001650 05 11/01/02 0 0415001650 N 10/01/32 0 8078965 E22/G02 F 360,000.00 ZZ 360 360,000.00 1 6.625 2,305.12 80 6.375 2,305.12 WEST BLOOMFIELD MI 48323 5 09/27/02 00 0415027838 05 11/01/02 0 0415027838 O 10/01/32 0 8078967 E22/G02 F 370,600.00 ZZ 360 370,600.00 1 7.250 2,528.15 80 7.000 2,528.15 BELLEVUE WA 98008 2 09/27/02 00 0415031087 05 11/01/02 0 0415031087 O 10/01/32 0 8078971 E22/G02 F 356,000.00 ZZ 360 356,000.00 1 7.375 2,458.80 51 7.125 2,458.80 LAKE FOREST IL 60045 5 10/02/02 00 0415032267 05 11/01/02 0 1 0415032267 N 10/01/32 0 8079017 E22/G02 F 425,000.00 ZZ 360 425,000.00 1 6.375 2,651.45 79 6.125 2,651.45 WESTFIELD NJ 07090 5 09/27/02 00 0415077866 05 11/01/02 0 0415077866 O 10/01/32 0 8079079 G34/G02 F 430,000.00 ZZ 360 430,000.00 1 6.500 2,717.89 77 6.250 2,717.89 HUNTINGTON BEAC CA 92648 2 09/17/02 00 0434676623 05 11/01/02 0 42900458 O 10/01/32 0 8079531 L49/G02 F 400,000.00 ZZ 360 400,000.00 1 6.625 2,561.25 75 6.375 2,561.25 SAN CLEMENTE CA 92673 1 09/01/02 00 0434688875 05 11/01/02 0 10010082 O 10/01/32 0 8080189 K15/G02 F 229,500.00 ZZ 360 229,500.00 1 7.625 1,624.39 90 7.375 1,624.39 LEVITTOWN NY 11756 5 09/24/02 41 0434665816 05 11/01/02 25 021205303115 O 10/01/32 0 8080225 X51/G02 F 505,000.00 ZZ 360 505,000.00 1 6.950 3,342.84 77 6.700 3,342.84 OAKLAND CA 94619 5 09/13/02 00 0434686184 05 11/01/02 0 1 O 10/01/32 0 1 8080347 E33/G02 F 600,000.00 ZZ 360 600,000.00 1 6.500 3,792.41 80 6.250 3,792.41 PARK RIDGE IL 60068 1 10/01/02 00 0434710927 05 11/01/02 0 RICHSC O 10/01/32 0 8080903 X05/G02 F 650,000.00 ZZ 360 649,467.20 1 7.000 4,324.47 75 6.750 4,324.47 SAN DIEGO CA 92106 2 08/07/02 00 0434694238 05 10/01/02 0 01208020 O 09/01/32 0 8080931 L49/G02 F 650,000.00 ZZ 360 650,000.00 1 6.625 4,162.03 73 6.375 4,162.03 COTO DE CAZA CA 92679 5 09/04/02 00 0434662532 03 11/01/02 0 10010918 O 10/01/32 0 8081357 F89/G02 F 358,000.00 ZZ 360 358,000.00 1 6.250 2,204.27 57 6.000 2,204.27 LA VERNE CA 91750 1 09/23/02 00 0434663530 05 11/01/02 0 19023511 O 10/01/32 0 8081403 S11/G02 F 372,000.00 ZZ 360 372,000.00 1 6.375 2,320.80 80 6.125 2,320.80 FOUNTAIN VALLEY CA 92708 5 09/26/02 00 0434671020 05 11/01/02 0 10209081 O 10/01/32 0 8081449 225/G02 F 495,500.00 ZZ 360 495,052.06 1 6.500 3,131.90 80 6.250 3,131.90 1 WHITE BEAR LAKE MN 55110 5 08/16/02 00 0434655080 05 10/01/02 0 006208747 O 09/01/32 0 8081483 225/G02 F 555,000.00 ZZ 240 555,000.00 1 6.500 4,137.93 75 6.250 4,137.93 MADEIRA BEACH FL 33708 5 08/27/02 00 0434678918 05 11/01/02 0 006594568 O 10/01/22 0 8081531 225/G02 F 325,000.00 ZZ 360 324,526.96 1 6.875 2,135.02 59 6.625 2,135.02 MONROE CT 06468 5 08/16/02 00 0434655114 05 10/01/02 0 006597713 O 09/01/32 0 8081537 225/G02 F 410,000.00 ZZ 360 409,647.00 1 6.750 2,659.25 49 6.500 2,659.25 CORNELIUS NC 28031 2 08/16/02 00 0434653234 05 10/01/02 0 006597942 O 09/01/32 0 8081553 K15/G02 F 81,700.00 ZZ 360 81,700.00 1 7.750 585.31 95 7.500 585.31 GRANTSVILLE UT 84029 5 09/23/02 41 0434678397 05 11/01/02 30 206805502621 O 10/01/32 0 8081555 225/G02 F 720,000.00 ZZ 360 720,000.00 1 6.375 4,491.86 80 6.125 4,491.86 RICHMOND VA 23226 2 09/03/02 00 0434695219 05 11/01/02 0 006598540 O 10/01/32 0 1 8081579 225/G02 F 1,000,000.00 ZZ 360 1,000,000.00 1 6.375 6,238.70 56 6.125 6,238.70 CHARLOTTE NC 28211 2 09/13/02 00 0434680492 05 11/01/02 0 006599603 O 10/01/32 0 8081591 225/G02 F 412,500.00 ZZ 360 412,500.00 1 6.625 2,641.28 75 6.375 2,641.28 RUXTON MD 21204 5 09/03/02 00 0434677969 05 11/01/02 0 006710127 O 10/01/32 0 8081607 225/G02 F 457,500.00 T 360 457,076.27 1 6.375 2,854.20 77 6.125 2,854.20 WRIGHTSVILLE BE NC 28480 1 08/30/02 00 0434674594 01 10/01/02 0 006714774 O 09/01/32 0 8081615 225/G02 F 508,000.00 ZZ 360 507,298.49 1 7.875 3,683.36 80 7.625 3,683.36 KILDEER IL 60047 1 07/24/02 00 0434653861 05 09/01/02 0 007367717 O 08/01/32 0 8081619 225/G02 F 355,500.00 ZZ 360 354,683.48 1 7.375 2,455.35 80 7.125 2,455.35 GLENVIEW IL 60025 1 06/11/02 00 0434655510 05 08/01/02 0 007375707 O 07/01/32 0 8081627 225/G02 F 365,000.00 ZZ 360 364,483.12 1 1 7.750 2,614.90 80 7.500 2,614.90 SOPHIA NC 27350 5 07/23/02 00 0434653762 05 09/01/02 0 007382819 O 08/01/32 0 8081631 225/G02 F 488,000.00 ZZ 360 487,619.30 1 7.250 3,329.03 80 7.000 3,329.03 CHICAGO IL 60613 2 08/07/02 00 0434655288 05 10/01/02 0 007383206 O 09/01/32 0 8081681 225/G02 F 328,000.00 ZZ 360 327,737.70 1 7.125 2,209.80 80 6.875 2,209.80 TRABUCO CANYO CA 92679 5 08/13/02 00 0434655452 03 10/01/02 0 007390185 O 09/01/32 0 8081697 225/G02 F 480,000.00 T 360 479,566.07 1 6.500 3,033.93 80 6.250 3,033.93 STRATTON VT 05155 1 08/30/02 00 0434670808 01 10/01/02 0 007393558 O 09/01/32 0 8081739 225/G02 F 103,500.00 ZZ 360 102,611.38 2 8.000 759.45 90 7.750 759.45 PROVIDENCE RI 02908 1 05/10/02 11 0434655437 05 07/01/02 25 007366363 N 06/01/32 0 8081751 225/G02 F 150,750.00 ZZ 360 150,643.59 2 7.750 1,080.00 90 7.500 1,080.00 WINTER PARK FL 32789 1 08/15/02 10 0434654901 05 10/01/02 25 1 007391522 N 09/01/32 0 8081753 225/G02 F 135,000.00 ZZ 360 134,902.28 2 7.625 955.53 90 7.375 955.53 SAINT ALBANS VT 05478 1 08/19/02 14 0434655791 05 10/01/02 25 007389219 N 09/01/32 0 8081757 225/G02 F 114,300.00 ZZ 360 114,153.72 3 8.250 858.70 90 8.000 858.70 PAWTUCKET RI 02860 1 07/24/02 11 0434655395 05 09/01/02 25 007369402 N 08/01/32 0 8081759 225/G02 F 202,500.00 ZZ 360 202,310.43 3 7.625 1,433.29 90 7.375 1,433.29 WORCESTER MA 01603 1 08/09/02 10 0434653218 05 10/01/02 25 007380027 N 09/01/32 0 8081763 225/G02 F 111,600.00 ZZ 360 111,521.23 3 7.750 799.52 90 7.500 799.52 HAMDEN CT 06514 2 08/09/02 14 0434653960 05 10/01/02 25 007384164 N 09/01/32 0 8081837 Q57/G02 F 345,000.00 ZZ 360 345,000.00 1 6.875 2,266.40 70 6.625 2,266.40 DES PLAINES IL 60018 1 09/24/02 00 0434697686 05 11/01/02 0 36001251 N 10/01/32 0 1 8082535 E11/G02 F 448,000.00 ZZ 360 448,000.00 1 6.375 2,794.94 80 6.125 2,794.94 HUDSON WI 54016 5 09/27/02 00 0434673075 05 11/01/02 0 1 O 10/01/32 0 8082557 F89/G02 F 352,000.00 ZZ 360 352,000.00 1 6.375 2,196.02 64 6.125 2,196.02 GLENDORA CA 91741 2 09/24/02 00 0434678710 05 11/01/02 0 19023771 O 10/01/32 0 8082563 X80/G02 F 410,000.00 T 360 410,000.00 1 6.375 2,557.87 80 6.125 2,557.87 SAN DIEGO CA 92106 1 09/18/02 00 0434686523 05 11/01/02 0 1410054221 O 10/01/32 0 8082617 477/G02 F 360,000.00 ZZ 360 360,000.00 1 6.750 2,334.95 80 6.500 2,334.95 SAN JOSE CA 95128 1 09/16/02 00 0434677035 05 11/01/02 0 234067 N 10/01/32 0 8082759 E22/G02 F 170,000.00 ZZ 360 170,000.00 1 7.625 1,203.25 71 7.375 1,203.25 WEBB LAKE WI 54830 5 10/03/02 00 0414916601 05 11/01/02 0 0414916601 N 10/01/32 0 8082783 E22/G02 F 380,000.00 ZZ 360 380,000.00 1 6.250 2,339.73 80 6.000 2,339.73 1 LIVERMORE CA 94550 1 09/27/02 00 0414957092 05 11/01/02 0 0414957092 O 10/01/32 0 8082785 E22/G02 F 90,400.00 ZZ 360 90,400.00 1 6.000 541.99 80 5.750 541.99 HOMESTEAD FL 33032 5 09/27/02 00 0414957522 05 11/01/02 0 0414957522 O 10/01/32 0 8082937 477/G02 F 452,000.00 ZZ 360 452,000.00 1 7.250 3,083.44 80 7.000 3,083.44 TEMPE AZ 85284 1 09/18/02 00 0434676466 05 11/01/02 0 238150 O 10/01/32 0 8083181 W35/G02 F 134,500.00 ZZ 240 134,500.00 1 6.125 973.33 60 5.875 973.33 DETROIT MI 48221 5 09/13/02 00 0434698080 05 11/01/02 0 13838 O 10/01/22 0 8083861 L20/G02 F 31,600.00 ZZ 360 31,600.00 1 7.750 226.39 80 7.500 226.39 RENO NV 89512 1 09/27/02 00 0434682084 01 11/01/02 0 620131 N 10/01/32 0 8084379 U05/G02 F 367,500.00 ZZ 360 367,500.00 1 6.625 2,353.14 70 6.375 2,353.14 CARLSBAD CA 92008 1 09/24/02 00 0434688263 05 11/01/02 0 3256918 N 10/01/32 0 1 8084901 N74/G02 F 96,570.00 ZZ 360 96,570.00 1 6.125 586.77 77 5.875 586.77 MALVERN AR 72104 2 09/27/02 00 0434668026 05 11/01/02 0 0030803010 O 10/01/32 0 8084971 S11/G02 F 404,000.00 ZZ 360 404,000.00 1 6.375 2,520.43 80 6.125 2,520.43 BURBANK CA 91506 5 09/25/02 00 0434723540 05 11/01/02 0 10209082 O 10/01/32 0 8085075 L16/G02 F 38,400.00 ZZ 360 38,400.00 1 7.750 275.10 80 7.500 275.10 ASHEVILLE NC 28801 1 09/20/02 00 0434679627 05 11/01/02 0 6754 N 10/01/32 0 8085213 U05/G02 F 352,000.00 ZZ 360 352,000.00 1 6.625 2,253.89 80 6.375 2,253.89 HUMBLE TX 77345 5 09/25/02 00 0434689154 05 11/01/02 0 3264992 O 10/01/32 0 8085227 168/168 F 44,400.00 ZZ 360 44,400.00 2 7.625 314.26 80 7.375 314.26 BUFFALO NY 14220 1 09/26/02 00 0089571487 05 11/01/02 0 0089571487 N 10/01/32 0 8085941 W30/G02 F 240,750.00 ZZ 360 240,750.00 3 1 7.750 1,724.76 90 7.500 1,724.76 MANCHESTER NH 03101 1 09/30/02 12 0434688925 05 11/01/02 25 0623627 N 10/01/32 0 8085999 E22/G02 F 359,000.00 ZZ 360 359,000.00 1 6.500 2,269.12 30 6.250 2,269.12 HEALDSBURG CA 95448 2 09/13/02 00 0414743096 05 11/01/02 0 0414743096 O 10/01/32 0 8086075 E22/G02 F 506,250.00 ZZ 360 506,250.00 2 6.625 3,241.57 75 6.375 3,241.57 LOS ANGELES CA 90048 2 09/24/02 00 0414873372 05 11/01/02 0 0414873372 O 10/01/32 0 8086201 E22/G02 F 266,250.00 ZZ 360 266,250.00 1 7.875 1,930.50 75 7.625 1,930.50 HOWELL MI 48843 5 10/04/02 00 0415014083 29 11/01/02 0 0415014083 N 10/01/32 0 8086213 E22/G02 F 424,000.00 ZZ 360 424,000.00 1 6.500 2,679.97 80 6.250 2,679.97 CHICAGO IL 60631 5 09/30/02 00 0415028828 05 11/01/02 0 0415028828 O 10/01/32 0 8086575 168/168 F 450,000.00 ZZ 360 450,000.00 1 6.875 2,956.18 79 6.625 2,956.18 SKOKIE IL 60077 1 09/30/02 00 0089669835 05 11/01/02 0 1 0089669835 O 10/01/32 0 8086867 168/168 F 31,050.00 ZZ 360 31,050.00 2 8.000 227.83 90 7.750 227.83 ROCHESTER NY 14609 1 09/30/02 10 0089434552 05 11/01/02 25 0089434552 N 10/01/32 0 8086945 N47/G02 F 436,000.00 ZZ 360 436,000.00 1 6.500 2,755.82 80 6.250 2,755.82 SAN JOSE CA 95132 5 09/20/02 00 0434691556 05 11/01/02 0 20321255 O 10/01/32 0 8087143 S11/G02 F 400,000.00 ZZ 360 400,000.00 1 7.000 2,661.21 89 6.750 2,661.21 PHOENIX AZ 85086 5 09/25/02 11 0434690566 03 11/01/02 25 10209050 O 10/01/32 0 8087171 N47/G02 F 400,000.00 ZZ 360 400,000.00 1 6.125 2,430.44 68 5.875 2,430.44 CARLSBAD CA 92008 5 09/24/02 00 0434703146 03 11/01/02 0 30122618 O 10/01/32 0 8087427 944/G02 F 323,700.00 ZZ 360 323,700.00 1 6.250 1,993.08 42 6.000 1,993.08 MUKILTEO WA 98275 2 09/25/02 00 0434678645 05 11/01/02 0 W02022582 O 10/01/32 0 1 8087451 K15/G02 F 430,000.00 ZZ 360 430,000.00 1 6.500 2,717.89 74 6.250 2,717.89 NEW MILFORD CT 06776 5 09/25/02 00 0434691994 05 11/01/02 0 037605502953 O 10/01/32 0 8087511 L49/G02 F 513,400.00 ZZ 360 513,400.00 1 6.500 3,245.04 80 6.250 3,245.04 SAN DIEGO CA 92129 1 09/23/02 00 0434687364 05 11/01/02 0 10010044 O 10/01/32 0 8087517 926/926 F 448,000.00 ZZ 360 448,000.00 1 6.375 2,794.94 78 6.125 2,794.94 RIDGELAND SC 29936 5 09/13/02 00 020810978 05 11/01/02 0 020810978 O 10/01/32 0 8087781 L49/G02 F 346,300.00 ZZ 360 346,300.00 1 7.375 2,391.81 80 7.125 2,391.81 CHINO HILLS CA 91709 1 09/26/02 00 0434668000 05 11/01/02 0 10010501 O 10/01/32 0 8087785 M37/G02 F 49,500.00 ZZ 360 49,500.00 2 7.750 354.62 90 7.500 354.62 ALBUQUERQUE NM 87105 1 09/25/02 04 0434700597 05 11/01/02 25 609354 N 10/01/32 0 8087819 642/G02 F 152,000.00 ZZ 360 152,000.00 1 6.000 911.32 80 5.750 911.32 1 WHEAT RIDGE CO 80212 5 09/26/02 00 0434686887 05 11/01/02 0 09128302 O 10/01/32 0 8087977 F89/G02 F 349,000.00 ZZ 360 349,000.00 1 6.375 2,177.31 79 6.125 2,177.31 SHERMAN OAKS AR CA 91401 2 09/18/02 00 0434722310 05 11/01/02 0 23029 O 10/01/32 0 8088615 E44/G02 F 104,000.00 ZZ 360 104,000.00 1 6.250 640.35 80 6.000 640.35 BOUNTIFUL UT 84010 1 09/30/02 00 0434697132 05 11/01/02 0 53020096 O 10/01/32 0 8088985 L49/G02 F 383,200.00 ZZ 360 383,200.00 1 6.750 2,485.43 80 6.500 2,485.43 CHINO HILLS CA 91709 1 09/09/02 00 0434667481 05 11/01/02 0 10010693 O 10/01/32 0 8089199 E22/G02 F 365,000.00 ZZ 360 365,000.00 1 6.875 2,397.79 63 6.625 2,397.79 HOUSTON TX 77057 5 10/01/02 00 0414862250 03 11/01/02 0 0414862250 O 10/01/32 0 8089281 E22/G02 F 338,500.00 ZZ 360 338,500.00 1 6.625 2,167.45 73 6.375 2,167.45 ROSWELL GA 30075 5 10/01/02 00 0414922062 03 11/01/02 0 0414922062 O 10/01/32 0 1 8089387 E22/G02 F 520,000.00 ZZ 360 520,000.00 1 6.500 3,286.75 80 6.250 3,286.75 MONROVIA CA 91016 5 09/23/02 00 0414995993 05 11/01/02 0 0414995993 O 10/01/32 0 8089439 E22/G02 F 330,000.00 ZZ 360 330,000.00 1 6.875 2,167.87 75 6.625 2,167.87 SAN FRANCISCO CA 94112 1 09/25/02 00 0415020973 05 11/01/02 0 0415020973 O 10/01/32 0 8089587 642/G02 F 520,000.00 ZZ 360 520,000.00 1 6.375 3,244.12 78 6.125 3,244.12 ROSLYN HEIGHTS NY 11577 5 09/26/02 00 0434687653 05 11/01/02 0 08-2461-02 O 10/01/32 0 8090859 F36/G02 F 382,000.00 ZZ 360 382,000.00 1 6.875 2,509.47 75 6.625 2,509.47 ENUMCLAW WA 98022 5 09/24/02 00 0434703724 05 11/01/02 0 06405254 O 10/01/32 0 8091153 168/168 F 43,200.00 ZZ 360 43,200.00 2 7.625 305.77 90 7.375 305.77 NIAGARA FALLS NY 14301 1 10/01/02 14 0089519477 05 11/01/02 25 0089519477 N 10/01/32 0 8092619 G34/G02 F 506,250.00 ZZ 360 506,250.00 2 1 6.375 3,158.34 75 6.125 3,158.34 BERKELEY CA 94705 1 09/26/02 00 0434701249 05 11/01/02 0 48200765 O 10/01/32 0 8092883 286/286 F 124,850.00 ZZ 360 124,728.65 1 6.125 758.61 47 5.875 758.61 SAN ANTONIO TX 78258 2 08/21/02 00 1495011 03 10/01/02 0 1495011 O 09/01/32 0 8093001 286/286 F 143,000.00 ZZ 360 142,727.91 1 6.250 880.48 72 6.000 880.48 GAINESVILLE VA 20155 1 07/12/02 00 1414003 03 09/01/02 0 1414003 O 08/01/32 0 8093009 286/286 F 145,500.00 ZZ 360 145,355.15 1 6.000 872.35 51 5.750 872.35 GREER SC 29651 1 08/15/02 00 1452519 05 10/01/02 0 1452519 O 09/01/32 0 8093155 286/286 F 210,000.00 ZZ 360 209,768.44 1 6.250 1,293.01 64 6.000 1,293.01 BEAVERCREEK OR 97004 2 08/16/02 00 1452468 05 10/01/02 0 1452468 O 09/01/32 0 8093189 286/286 F 210,000.00 ZZ 360 209,790.94 1 6.000 1,259.06 76 5.750 1,259.06 CHESTNUT RIDGE NY 10977 1 08/16/02 00 1401877 05 10/01/02 0 1 1401877 O 09/01/32 0 8093193 286/286 F 260,000.00 ZZ 360 259,740.05 1 6.000 1,558.84 90 5.750 1,558.84 ALBUQUERQUE NM 87111 2 07/15/02 11 1475570 05 10/01/02 25 1475570 O 09/01/32 0 8093195 286/286 F 209,000.00 ZZ 360 208,848.73 1 7.625 1,479.29 79 7.375 1,479.29 CHICAGO IL 60645 2 08/16/02 00 1457932 05 10/01/02 0 1457932 O 09/01/32 0 8093225 286/286 F 125,000.00 ZZ 360 124,881.39 1 6.250 769.65 32 6.000 769.65 BETHLEHEM PA 18015 1 08/16/02 00 1515839 05 10/01/02 0 1515839 O 09/01/32 0 8093229 286/286 F 211,000.00 ZZ 240 210,541.04 1 6.250 1,542.26 80 6.000 1,542.26 RIVERTON UT 84065 2 08/07/02 00 1481905 05 10/01/02 0 1481905 O 09/01/22 0 8093253 286/286 F 121,000.00 ZZ 360 120,769.78 1 6.250 745.02 80 6.000 745.02 SUGAR LAND TX 77478 1 07/13/02 00 1406228 03 09/01/02 0 1406228 O 08/01/32 0 1 8093855 E22/G02 F 500,000.00 ZZ 360 500,000.00 1 6.875 3,284.64 85 6.625 3,284.64 LAGUNA BEACH CA 92651 2 09/23/02 11 0414683326 05 11/01/02 12 0414683326 O 10/01/32 0 8094029 E22/G02 F 384,000.00 ZZ 360 384,000.00 1 6.750 2,490.62 80 6.500 2,490.62 LIVERMORE CO 80536 5 10/01/02 00 0414946343 05 11/01/02 0 0414946343 O 10/01/32 0 8094079 E22/G02 F 52,250.00 ZZ 360 52,250.00 1 7.875 378.85 95 7.625 378.85 BOAZ AL 35956 5 10/01/02 04 0415007251 05 11/01/02 30 0415007251 O 10/01/32 0 8094129 A52/G02 F 487,000.00 ZZ 360 487,000.00 1 6.500 3,078.17 77 6.250 3,078.17 ROSWELL GA 30075 5 09/19/02 00 0434697074 05 11/01/02 0 21041 O 10/01/32 0 8095643 286/286 F 92,100.00 ZZ 360 91,969.56 1 7.750 659.82 77 7.500 659.82 GREENWOOD IN 46143 2 07/19/02 00 1361345 05 09/01/02 0 1361345 N 08/01/32 0 8095667 286/286 F 59,000.00 ZZ 360 58,916.43 1 7.750 422.69 74 7.500 422.69 1 SAVANNAH GA 31401 2 07/22/02 00 1322864 05 09/01/02 0 1322864 N 08/01/32 0 8095675 286/286 F 85,000.00 ZZ 360 84,876.55 2 7.625 601.63 79 7.375 601.63 AKRON OH 44312 5 07/25/02 00 1354533 05 09/01/02 0 1354533 N 08/01/32 0 8095679 286/286 F 52,200.00 ZZ 360 52,124.20 1 7.625 369.47 90 7.375 369.47 CAMDEN NJ 08104 1 07/11/02 21 1448890 05 09/01/02 25 1448890 N 08/01/32 0 8095753 286/286 F 100,000.00 ZZ 360 99,854.78 1 7.625 707.80 80 7.375 707.80 EAST DUNDEE IL 60118 5 07/26/02 00 1396014 05 09/01/02 0 1396014 N 08/01/32 0 8095755 286/286 F 72,000.00 ZZ 360 71,846.55 1 7.750 515.82 90 7.500 515.82 INDPLS IN 46202 1 06/27/02 11 1336329 05 08/01/02 25 1336329 N 07/01/32 0 8095761 286/286 F 129,600.00 ZZ 360 129,508.52 2 7.750 928.48 80 7.500 928.48 MENTOR OH 44060 2 08/05/02 00 1414798 05 10/01/02 0 1414798 N 09/01/32 0 1 8095775 286/286 F 45,000.00 ZZ 360 44,939.40 1 8.000 330.20 90 7.750 330.20 PLAINFIELD NJ 07060 1 07/16/02 12 1354043 05 09/01/02 25 1354043 N 08/01/32 0 8095791 286/286 F 39,600.00 ZZ 360 39,545.32 1 7.875 287.13 90 7.625 287.13 URBANA IL 61801 1 07/24/02 10 1394135 05 09/01/02 25 1394135 N 08/01/32 0 8095793 286/286 F 90,200.00 ZZ 360 90,075.43 2 7.875 654.02 90 7.625 654.02 FALL RIVER MA 02720 1 07/16/02 11 1323436 05 09/01/02 25 1323436 N 08/01/32 0 8095803 286/286 F 80,000.00 ZZ 360 79,946.31 2 8.000 587.02 80 7.750 587.02 ABERDEEN NJ 07728 1 08/20/02 00 1095653 05 10/01/02 0 1095653 N 09/01/32 0 8095811 286/286 F 157,140.00 ZZ 360 157,026.26 1 7.625 1,112.23 90 7.375 1,112.23 NEW PORT RICHEY FL 34655 1 08/26/02 19 1528569 03 10/01/02 25 1528569 N 09/01/32 0 8095823 286/286 F 76,500.00 ZZ 360 76,298.03 1 1 7.625 541.47 90 7.375 541.47 WEST VALLEY CIT UT 84128 1 08/28/02 12 1513693 05 10/01/02 25 1513693 N 09/01/32 0 8095847 286/286 F 22,500.00 ZZ 360 22,468.12 1 7.750 161.20 90 7.500 161.20 SEYMOUR IN 47274 1 07/25/02 10 1373062 05 09/01/02 25 1373062 N 08/01/32 0 8095853 286/286 F 87,300.00 ZZ 360 87,176.36 1 7.750 625.43 90 7.500 625.43 MIAMI FL 33169 1 07/31/02 11 1437382 05 09/01/02 25 1437382 N 08/01/32 0 8095859 286/286 F 20,700.00 ZZ 360 20,670.68 1 7.750 148.30 90 7.500 148.30 N CHARLESTON SC 29405 1 08/05/02 12 1399411 05 09/01/02 25 1399411 N 08/01/32 0 8095873 286/286 F 35,200.00 ZZ 360 35,150.14 1 7.750 252.18 80 7.500 252.18 SUFFOLK VA 23435 5 07/19/02 00 1396726 01 09/01/02 0 1396726 N 08/01/32 0 8095883 286/286 F 33,700.00 ZZ 360 33,653.46 1 7.875 244.35 90 7.625 244.35 LANSING MI 48910 1 07/24/02 10 1464970 05 09/01/02 25 1 1464970 N 08/01/32 0 8095887 286/286 F 81,000.00 ZZ 360 80,885.28 2 7.750 580.30 90 7.500 580.30 NEW HAVEN CT 06510 1 07/19/02 12 1409891 05 09/01/02 25 1409891 N 08/01/32 0 8095933 286/286 F 63,000.00 ZZ 360 62,910.78 1 7.750 451.34 90 7.500 451.34 DETROIT MI 48203 1 07/26/02 10 1395760 05 09/01/02 25 1395760 N 08/01/32 0 8095939 286/286 F 39,975.00 ZZ 360 39,898.00 1 8.250 300.32 75 8.000 300.32 BALTIMORE MD 21205 5 06/13/02 00 1279138 05 08/01/02 0 1279138 N 07/01/32 0 8095941 286/286 F 41,200.00 ZZ 360 41,170.17 1 7.625 291.62 80 7.375 291.62 BALTIMORE MD 21205 5 08/16/02 00 1402024 05 10/01/02 0 1402024 N 09/01/32 0 8095953 286/286 F 45,000.00 ZZ 360 44,934.65 3 7.625 318.51 40 7.375 318.51 CANTON OH 44703 2 07/25/02 00 1408039 05 09/01/02 0 1408039 N 08/01/32 0 1 8095967 286/286 F 98,100.00 ZZ 360 98,028.99 1 7.625 694.35 90 7.375 694.35 GOOSE CREEK SC 29445 1 08/08/02 12 1465465 03 10/01/02 25 1465465 N 09/01/32 0 8095971 286/286 F 49,500.00 ZZ 360 49,414.91 1 7.875 358.91 90 7.625 358.91 INDIANAPOLIS IN 46203 1 07/16/02 11 1401932 05 09/01/02 25 1401932 N 08/01/32 0 8095973 286/286 F 57,600.00 ZZ 360 57,558.31 1 7.625 407.69 90 7.375 407.69 ORANGE PARK FL 32073 1 08/30/02 19 1527184 05 10/01/02 30 1527184 N 09/01/32 0 8095983 286/286 F 48,800.00 ZZ 360 48,730.89 1 7.750 349.61 80 7.500 349.61 HIGHLAND FALLS NY 10928 1 07/31/02 00 1292812 05 09/01/02 0 1292812 N 08/01/32 0 8095987 286/286 F 50,000.00 ZZ 360 49,925.34 1 7.750 358.21 80 7.500 358.21 ST LOUIS MO 63118 1 07/18/02 00 1315011 05 09/01/02 0 1315011 N 08/01/32 0 8095991 286/286 F 50,985.00 ZZ 360 50,912.81 1 7.750 365.26 90 7.500 365.26 1 HAMILTON OH 45011 1 07/11/02 04 1386667 05 09/01/02 25 1386667 N 08/01/32 0 8095995 286/286 F 56,000.00 ZZ 360 55,880.66 1 7.750 401.19 70 7.500 401.19 SAN ANTONIO TX 78216 5 06/28/02 00 1359237 05 08/01/02 0 1359237 N 07/01/32 0 8095999 286/286 F 36,000.00 ZZ 360 35,950.28 1 7.875 261.03 90 7.625 261.03 BALTIMORE MD 21225 1 07/23/02 14 1379242 05 09/01/02 25 1379242 N 08/01/32 0 8096005 286/286 F 112,500.00 ZZ 360 112,348.52 2 8.000 825.49 90 7.750 825.49 ST LOUIS MO 63118 1 07/16/02 11 1384979 05 09/01/02 25 1384979 N 08/01/32 0 8096007 286/286 F 83,700.00 ZZ 360 83,587.29 2 8.000 614.17 90 7.750 614.17 ST LOUIS MO 63111 1 07/16/02 11 1384993 05 09/01/02 25 1384993 N 08/01/32 0 8096013 286/286 F 93,600.00 ZZ 360 93,464.07 1 7.625 662.50 80 7.375 662.50 OAK PARK MI 48237 1 07/30/02 00 1294559 05 09/01/02 0 1294559 N 08/01/32 0 1 8096015 286/286 F 44,100.00 ZZ 360 44,019.25 1 7.750 315.94 90 7.500 315.94 TUCSON AZ 85706 1 07/25/02 12 1436153 05 09/01/02 25 1436153 N 08/01/32 0 8096017 286/286 F 70,250.00 ZZ 360 70,152.98 1 7.875 509.37 90 7.625 509.37 W NEW YORK NJ 07093 1 07/18/02 12 1285663 01 09/01/02 25 1285663 N 08/01/32 0 8096023 286/286 F 34,200.00 ZZ 360 34,176.46 1 7.875 247.98 90 7.625 247.98 LEWISTOWN IL 61542 1 08/06/02 10 1401812 05 10/01/02 25 1401812 N 09/01/32 0 8096037 286/286 F 171,000.00 ZZ 360 170,751.68 1 7.625 1,210.33 90 7.375 1,210.33 CHICAGO IL 60614 1 07/25/02 12 1448247 01 09/01/02 25 1448247 N 08/01/32 0 8096049 286/286 F 67,500.00 ZZ 360 67,404.41 1 7.750 483.58 90 7.500 483.58 HAMPTON VA 23663 1 07/30/02 11 1020214 05 09/01/02 25 1020214 N 08/01/32 0 8096051 286/286 F 56,025.00 ZZ 360 55,943.62 1 1 7.625 396.55 90 7.375 396.55 THORNTOWN IN 46071 1 07/31/02 12 1435290 05 09/01/02 25 1435290 N 08/01/32 0 8096057 286/286 F 56,000.00 ZZ 360 55,959.46 1 7.625 396.37 70 7.375 396.37 INDIANAPOLIS IN 46208 5 08/05/02 00 1315585 05 10/01/02 0 1315585 N 09/01/32 0 8096061 286/286 F 54,300.00 ZZ 360 54,221.03 1 7.625 384.34 79 7.375 384.34 MARCUS HOOK PA 19061 2 07/26/02 00 1045095 05 09/01/02 0 1045095 N 08/01/32 0 8096065 286/286 F 41,600.00 ZZ 360 41,539.57 1 7.625 294.45 80 7.375 294.45 PANAMA CITY FL 32405 1 07/26/02 00 1413239 05 09/01/02 0 1413239 N 08/01/32 0 8096069 286/286 F 32,400.00 ZZ 360 32,352.95 1 7.625 229.33 80 7.375 229.33 SOUTH BEND IN 46616 1 07/24/02 00 1396786 05 09/01/02 0 1396786 N 08/01/32 0 8096073 286/286 F 81,900.00 ZZ 360 81,781.06 2 7.625 579.69 90 7.375 579.69 EAST GREENWICH NJ 08020 1 07/31/02 12 1407215 05 09/01/02 25 1 1407215 N 08/01/32 0 8096075 286/286 F 25,200.00 ZZ 360 25,163.40 1 7.625 178.37 90 7.375 178.37 TOLEDO OH 43608 1 07/26/02 10 1394767 05 09/01/02 25 1394767 N 08/01/32 0 8096077 286/286 F 39,600.00 ZZ 360 39,542.49 1 7.625 280.29 90 7.375 280.29 TOLEDO OH 43612 1 07/26/02 10 1394769 05 09/01/02 25 1394769 N 08/01/32 0 8096079 286/286 F 34,200.00 ZZ 360 34,150.33 1 7.625 242.07 90 7.375 242.07 TOLEDO OH 43611 1 07/26/02 10 1394770 05 09/01/02 25 1394770 N 08/01/32 0 8096083 286/286 F 90,000.00 ZZ 360 89,817.62 1 8.000 660.39 90 7.750 660.39 LANCASTER TX 75134 2 06/17/02 21 1357517 05 08/01/02 25 1357517 N 07/01/32 0 8096085 286/286 F 99,000.00 ZZ 360 98,799.38 1 8.000 726.43 90 7.750 726.43 CEDAR HILL TX 75104 2 06/17/02 21 1357529 05 08/01/02 25 1357529 N 07/01/32 0 1 8096087 286/286 F 132,000.00 ZZ 360 131,725.65 1 7.875 957.10 87 7.625 957.10 ARLINGTON TX 76002 2 07/03/02 21 1388674 05 08/01/02 25 1388674 N 07/01/32 0 8096093 286/286 F 36,000.00 ZZ 360 35,974.59 1 7.750 257.91 90 7.500 257.91 INDIANAPOLIS IN 46224 1 08/27/02 11 1492084 03 10/01/02 25 1492084 N 09/01/32 0 8096107 286/286 F 77,850.00 ZZ 360 77,793.65 1 7.625 551.02 90 7.375 551.02 BALTIMORE MD 21230 1 08/07/02 12 1441650 05 10/01/02 25 1441650 N 09/01/32 0 8096113 286/286 F 102,500.00 ZZ 360 102,358.45 1 7.875 743.20 90 7.625 743.20 RAYTOWN MO 64133 2 07/25/02 11 1410296 05 09/01/02 25 1410296 N 08/01/32 0 8096115 286/286 F 108,000.00 ZZ 360 107,850.85 1 7.875 783.08 90 7.625 783.08 RAYTOWN MO 64138 2 07/22/02 11 1410318 05 09/01/02 25 1410318 N 08/01/32 0 8096121 286/286 F 30,000.00 ZZ 360 29,934.86 1 7.750 214.93 50 7.500 214.93 1 INDIANAPOLIS IN 46201 5 07/12/02 00 1396495 05 09/01/02 0 1396495 N 08/01/32 0 8096129 286/286 F 52,500.00 ZZ 360 52,425.64 1 7.750 376.12 75 7.500 376.12 LITTLE EGG HARB NJ 08087 1 07/31/02 00 1352405 03 09/01/02 0 1352405 N 08/01/32 0 8096149 286/286 F 74,850.00 ZZ 360 74,741.30 2 7.625 529.79 94 7.375 529.79 POTTSTOWN PA 19464 1 07/31/02 21 1349706 05 09/01/02 30 1349706 N 08/01/32 0 8096151 286/286 F 49,500.00 ZZ 360 49,433.34 1 8.000 363.22 90 7.750 363.22 CLEVELAND OH 44111 1 07/26/02 11 1398468 05 09/01/02 25 1398468 N 08/01/32 0 8096155 286/286 F 135,000.00 ZZ 360 134,603.94 4 7.625 955.53 90 7.375 955.53 NEW CARLISLE OH 45344 1 07/31/02 10 1403594 05 09/01/02 25 1403594 N 08/01/32 0 8096157 286/286 F 135,000.00 ZZ 360 134,803.94 2 7.625 955.53 90 7.375 955.53 NEW CARLISLE OH 45344 1 07/31/02 10 1403606 05 09/01/02 25 1403606 N 08/01/32 0 1 8096165 286/286 F 56,250.00 ZZ 360 56,210.29 1 7.750 402.99 90 7.500 402.99 CHICAGO IL 60620 1 08/07/02 12 1457361 05 10/01/02 25 1457361 N 09/01/32 0 8096169 286/286 F 41,700.00 ZZ 360 41,643.85 1 8.000 305.98 80 7.750 305.98 PORT JEFFERSON OH 45360 5 07/25/02 00 1393554 05 09/01/02 0 1393554 N 08/01/32 0 8096183 286/286 F 29,400.00 ZZ 360 29,359.40 1 7.875 213.17 70 7.625 213.17 PASADENA TX 77506 5 07/18/02 00 1411540 05 09/01/02 0 1411540 N 08/01/32 0 8096185 286/286 F 45,000.00 ZZ 360 44,936.26 1 7.750 322.39 90 7.500 322.39 CHICAGO IL 60640 1 07/31/02 12 1414842 01 09/01/02 25 1414842 N 08/01/32 0 8096187 286/286 F 45,000.00 ZZ 360 44,936.26 1 7.750 322.39 90 7.500 322.39 CHICAGO IL 60640 1 07/31/02 14 1414847 01 09/01/02 25 1414847 N 08/01/32 0 8096191 286/286 F 33,750.00 ZZ 360 33,660.77 1 1 8.125 250.60 90 7.875 250.60 INDIANAPOLIS IN 46203 1 05/31/02 12 1291754 05 07/01/02 25 1291754 N 06/01/32 0 8096217 286/286 F 50,300.00 ZZ 360 50,264.49 1 7.750 360.36 90 7.500 360.36 BALTIMORE MD 21223 1 08/14/02 11 1401892 05 10/01/02 25 1401892 N 09/01/32 0 8096229 286/286 F 72,250.00 ZZ 360 72,140.11 2 7.875 523.87 85 7.625 523.87 PEVELY MO 63070 1 07/19/02 11 1431498 05 09/01/02 25 1431498 N 08/01/32 0 8096231 286/286 F 72,250.00 ZZ 360 72,135.08 1 7.875 523.87 85 7.625 523.87 PEVELY MO 63070 1 07/19/02 11 1431517 05 09/01/02 25 1431517 N 08/01/32 0 8096237 286/286 F 168,000.00 ZZ 336 167,736.21 4 8.125 1,268.95 80 7.875 1,268.95 BLUE SPRINGS MO 64014 2 07/26/02 00 1309721 05 09/01/02 0 1309721 N 08/01/30 0 8096249 286/286 F 61,200.00 ZZ 360 61,155.71 1 7.625 433.17 90 7.375 433.17 DREXEL HILL PA 19026 1 08/20/02 12 1477483 05 10/01/02 25 1 1477483 N 09/01/32 0 8096253 286/286 F 39,600.00 ZZ 360 39,546.68 1 8.000 290.57 90 7.750 290.57 TAMPA FL 33604 1 07/29/02 21 1373796 05 09/01/02 25 1373796 N 08/01/32 0 8096257 286/286 F 81,000.00 ZZ 360 80,882.36 1 7.625 573.32 90 7.375 573.32 ROANOKE VA 24019 1 07/26/02 04 1375593 05 09/01/02 25 1375593 N 08/01/32 0 8096299 286/286 F 70,200.00 ZZ 360 70,100.56 1 7.750 502.93 90 7.500 502.93 FOREST PARK GA 30297 1 07/23/02 12 1433644 05 09/01/02 25 1433644 N 08/01/32 0 8096305 286/286 F 70,200.00 ZZ 360 70,085.12 1 7.750 502.93 90 7.500 502.93 DENVER CO 80210 1 07/29/02 11 1433015 01 09/01/02 25 1433015 N 08/01/32 0 8096499 286/286 F 47,700.00 ZZ 360 47,630.72 1 7.625 337.62 90 7.375 337.62 CAMDEN NJ 08104 1 07/11/02 21 1448949 05 09/01/02 25 1448949 N 08/01/32 0 1 8096501 286/286 F 67,400.00 ZZ 360 67,302.11 1 7.625 477.06 90 7.375 477.06 PALM BAY FL 32907 1 07/22/02 11 1429331 05 09/01/02 25 1429331 N 08/01/32 0 8096861 E77/G02 F 415,400.00 ZZ 360 415,400.00 1 6.500 2,625.61 55 6.250 2,625.61 ANNAPOLIS MD 21401 2 09/26/02 00 0434699393 03 11/01/02 0 1010002361 O 10/01/32 0 8097421 X67/G02 F 650,000.00 ZZ 360 650,000.00 1 6.625 4,162.02 72 6.375 4,162.02 YORBA LINDA CA 92887 5 09/24/02 00 0434707527 05 11/01/02 0 00269493 O 10/01/32 0 8097661 Q57/G02 F 423,600.00 ZZ 360 423,600.00 1 6.375 2,642.71 80 6.125 2,642.71 MANASSAS VA 20110 1 09/19/02 00 0434707576 05 11/01/02 0 52900020 O 10/01/32 0 8100963 R84/G02 F 600,000.00 ZZ 360 600,000.00 1 6.875 3,941.58 73 6.625 3,941.58 HOUSTON TX 77019 5 09/27/02 00 0434711701 03 11/01/02 0 0611769 O 10/01/32 0 8101221 K15/G02 F 376,000.00 ZZ 360 376,000.00 1 6.375 2,345.75 80 6.125 2,345.75 1 HUNTINGTON STAT NY 11746 5 09/25/02 00 0434722674 05 11/01/02 0 020605300035 O 10/01/32 0 8101745 M24/G02 F 364,800.00 ZZ 360 364,800.00 1 6.500 2,305.78 80 6.250 2,305.78 FULLERTON CA 92833 5 09/30/02 00 0434707428 05 11/01/02 0 201-105721 O 10/01/32 0 8101937 420/G02 F 362,500.00 ZZ 360 362,500.00 1 6.500 2,291.25 80 6.250 2,291.25 FAIRFIELD CA 94585 1 09/17/02 00 0434711982 05 11/01/02 0 82000188 O 10/01/32 0 8101949 K15/G02 F 81,600.00 ZZ 360 81,600.00 1 6.000 489.23 85 5.750 489.23 CANTON OH 44708 5 09/25/02 41 0434722641 05 11/01/02 12 028005304189 O 10/01/32 0 8321366 E23/G02 F 379,500.00 ZZ 360 378,828.51 1 6.625 2,429.98 79 6.375 2,429.98 MISSION VIEJO CA 92692 5 07/19/02 00 0434367009 05 09/01/02 0 51016511 O 08/01/32 0 8325744 E23/G02 F 473,000.00 ZZ 360 472,592.76 1 6.750 3,067.87 66 6.500 3,067.87 LAFAYETTE CA 94549 5 08/22/02 00 0434509014 05 10/01/02 0 61006999 O 09/01/32 0 1 8325996 E23/G02 F 380,000.00 ZZ 360 379,656.47 1 6.500 2,401.86 80 6.250 2,401.86 SANTA ROSA CA 95405 1 08/30/02 00 0434622528 05 10/01/02 0 62002689 O 09/01/32 0 8326010 E23/G02 F 385,000.00 ZZ 360 384,668.53 1 6.750 2,497.10 60 6.500 2,497.10 COTO DE CAZA AR CA 92679 5 08/07/02 00 0434601761 03 10/01/02 0 51016926 O 09/01/32 0 8326134 E23/G02 F 549,000.00 ZZ 360 549,000.00 1 6.500 3,470.05 80 6.250 3,470.05 RANCHO PALOS VE CA 90275 1 09/01/02 00 0434533691 05 11/01/02 0 62002980 O 10/01/32 0 8327302 E23/G02 F 311,000.00 ZZ 360 311,000.00 1 7.250 2,121.57 76 7.000 2,121.57 LONG BEACH CA 90803 2 09/06/02 00 0434591426 05 11/01/02 0 11012863 O 10/01/32 0 8327724 E23/G02 F 440,000.00 ZZ 360 440,000.00 1 7.000 2,927.33 80 6.750 2,927.33 RANCHO SANTA MA CA 92688 2 09/05/02 00 0434614863 03 11/01/02 0 51017815 O 10/01/32 0 8327774 N16/G02 F 365,000.00 ZZ 360 364,653.67 1 1 6.250 2,247.37 67 6.000 2,247.37 PEACHTREE CITY GA 30269 5 09/11/02 00 0434619334 05 10/16/02 0 N16 O 09/16/32 0 8327864 E23/G02 F 315,000.00 ZZ 360 315,000.00 1 6.250 1,939.51 70 6.000 1,939.51 GOLD RIVER CA 95670 5 09/04/02 00 0434617593 03 11/01/02 0 51018091 O 10/01/32 0 8327990 E23/G02 F 480,000.00 ZZ 360 480,000.00 1 6.500 3,033.93 75 6.250 3,033.93 DAVIS CA 95616 1 09/11/02 00 0434622049 05 11/01/02 0 61006401 O 10/01/32 0 8328092 E23/G02 F 310,000.00 ZZ 360 310,000.00 1 6.500 1,959.41 73 6.250 1,959.41 THOUSAND OAKS CA 91360 5 09/10/02 00 0434646626 05 11/01/02 0 51018689 O 10/01/32 0 8328098 E23/G02 F 328,000.00 ZZ 360 328,000.00 1 6.750 2,127.40 80 6.500 2,127.40 HACIENDA HEIGHT CA 91745 1 09/12/02 00 0434626248 05 11/01/02 0 51018535 O 10/01/32 0 8329168 E23/G02 F 392,000.00 ZZ 360 392,000.00 1 6.875 2,575.16 80 6.625 2,575.16 SONOMA CA 95476 1 09/20/02 00 0434695268 05 11/01/02 0 1 62003230 O 10/01/32 0 8329472 E23/G02 F 376,000.00 ZZ 360 376,000.00 1 6.375 2,345.75 80 6.125 2,345.75 SAN JOSE CA 95127 2 09/16/02 00 0434690368 05 11/01/02 0 61006302 O 10/01/32 0 TOTAL NUMBER OF LOANS : 788 TOTAL ORIGINAL BALANCE : 210,902,654.84 TOTAL PRINCIPAL BALANCE : 210,765,738.08 TOTAL ORIGINAL P+I : 1,379,157.65 TOTAL CURRENT P+I : 1,379,157.65 *************************** * END OF REPORT * ***************************
EXHIBIT TWO SCHEDULE OF DISCOUNT FRACTIONS Schedule of Discount Fractions Loan Number Current Balance Net Mortgage Rate Discount Fraction PO Balance 8009697 $399,620.46 5.970% 0.5000% $1,998.10 8016013 $199,810.24 5.970% 0.5000% $999.05 8016807 $78,725.23 5.970% 0.5000% $393.63 8016823 $277,723.25 5.720% 4.6667% $12,960.42 8018457 $285,428.92 5.970% 0.5000% $1,427.14 8018467 $186,822.57 5.970% 0.5000% $934.11 8018491 $178,500.00 5.970% 0.5000% $892.50 8018499 $167,736.81 5.845% 2.5833% $4,333.20 8027167 $160,000.00 5.970% 0.5000% $800.00 8031707 $179,850.00 5.845% 2.5833% $4,646.13 8034063 $524,000.00 5.970% 0.5000% $2,620.00 8034869 $215,000.00 5.720% 4.6667% $10,033.33 8034909 $98,250.00 5.845% 2.5833% $2,538.13 8035549 $552,000.00 5.970% 0.5000% $2,760.00 8035645 $172,000.00 5.845% 2.5833% $4,443.33 8035817 $196,200.00 5.970% 0.5000% $981.00 8036661 $441,600.00 5.970% 0.5000% $2,208.00 8037547 $151,500.00 5.720% 4.6667% $7,070.00 8039027 $482,541.70 5.970% 0.5000% $2,412.71 8042255 $208,800.00 5.845% 2.5833% $5,394.00 8042301 $375,000.00 5.970% 0.5000% $1,875.00 8048175 $102,500.00 5.970% 0.5000% $512.50 8049121 $99,950.39 5.720% 4.6667% $4,664.35 8050975 $483,056.76 5.845% 2.5833% $12,478.97 8051093 $455,000.00 5.720% 4.6667% $21,233.33 8052269 $480,000.00 5.970% 0.5000% $2,400.00 8052811 $136,800.00 5.970% 0.5000% $684.00 8053057 $72,000.00 5.970% 0.5000% $360.00 8053459 $89,600.00 5.970% 0.5000% $448.00 8053467 $149,000.00 5.970% 0.5000% $745.00 8055763 $496,000.00 5.970% 0.5000% $2,480.00 8057081 $408,700.00 5.970% 0.5000% $2,043.50 8057575 $343,473.78 5.970% 0.5000% $1,717.37 8058291 $192,000.00 5.970% 0.5000% $960.00 8058463 $150,800.00 5.970% 0.5000% $754.00 8058711 $343,000.00 5.845% 2.5833% $8,860.83 8059659 $102,000.00 5.845% 2.5833% $2,635.00 8059663 $218,400.00 5.970% 0.5000% $1,092.00 8061731 $274,320.00 5.970% 0.5000% $1,371.60 8062887 $371,000.00 5.970% 0.5000% $1,855.00 8065129 $133,500.00 5.970% 0.5000% $667.50 8065973 $330,000.00 5.970% 0.5000% $1,650.00 8067139 $75,000.00 5.970% 0.5000% $375.00 8067223 $190,760.00 5.845% 2.5833% $4,927.97 8069027 $333,600.00 5.970% 0.5000% $1,668.00 8069289 $110,500.00 5.720% 4.6667% $5,156.67 8069307 $85,000.00 5.970% 0.5000% $425.00 8069611 $280,000.00 5.845% 2.5833% $7,233.33 8070151 $384,000.00 5.970% 0.5000% $1,920.00 8072657 $148,000.00 5.970% 0.5000% $740.00 8072963 $106,300.00 5.845% 2.5833% $2,746.08 8073101 $340,000.00 5.970% 0.5000% $1,700.00 8073475 $213,644.00 5.970% 0.5000% $1,068.22 Friday, October 25, 2002 Page 1 of 2 8073657 $400,000.00 5.970% 0.5000% $2,000.00 8073785 $42,000.00 5.720% 4.6667% $1,960.00 8074247 $223,787.46 5.970% 0.5000% $1,118.94 8074751 $77,000.00 5.845% 2.5833% $1,989.17 8074789 $92,300.00 5.970% 0.5000% $461.50 8076151 $267,745.71 5.970% 0.5000% $1,338.73 8078701 $360,000.00 5.970% 0.5000% $1,800.00 8078731 $341,000.00 5.970% 0.5000% $1,705.00 8081357 $358,000.00 5.970% 0.5000% $1,790.00 8082783 $380,000.00 5.970% 0.5000% $1,900.00 8082785 $90,400.00 5.720% 4.6667% $4,218.67 8083181 $134,500.00 5.845% 2.5833% $3,474.58 8084901 $96,570.00 5.845% 2.5833% $2,494.73 8087171 $400,000.00 5.845% 2.5833% $10,333.33 8087427 $323,700.00 5.970% 0.5000% $1,618.50 8087819 $152,000.00 5.720% 4.6667% $7,093.33 8088615 $104,000.00 5.970% 0.5000% $520.00 8092883 $124,728.65 5.845% 2.5833% $3,222.16 8093001 $142,727.91 5.970% 0.5000% $713.64 8093009 $145,355.15 5.720% 4.6667% $6,783.24 8093155 $209,768.44 5.970% 0.5000% $1,048.84 8093189 $209,790.94 5.720% 4.6667% $9,790.24 8093193 $259,740.05 5.720% 4.6667% $12,121.20 8093225 $124,881.39 5.970% 0.5000% $624.41 8093229 $210,541.04 5.970% 0.5000% $1,052.71 8093253 $120,769.78 5.970% 0.5000% $603.85 8101949 $81,600.00 5.720% 4.6667% $3,808.00 8327774 $364,653.67 5.970% 0.5000% $1,823.27 8327864 $315,000.00 5.970% 0.5000% $1,575.00 Friday, October 25, 2002 Page 2 of 2
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 related Class CB Percentage, Class NB 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 Notional Amount with respect to each class of Interest Only Certificates and each Subclass Notional Amount; (xiv) the occurrence of the Credit Support Depletion Date; (xv) the related Senior Accelerated Distribution Percentage applicable to such distribution; (xvi) the related Senior Percentage for such Distribution Date; (xvii) the aggregate amount of Realized Losses for such Distribution Date; (xviii) 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; (xix) the weighted average remaining term to maturity of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; (xx) the weighted average Mortgage Rates of the Mortgage Loans after giving effect to the amounts distributed on such Distribution Date; (xxi)the Insured Payment for such Distribution Date, and the respective portions allocable to principal and interest for the Retail Certificates; (xxii) the Reserve Fund Withdrawal for such Distribution Date; (xxiii) the amount of any Certificate Insurance Payments made on such Distribution Date, the amount of any reimbursement payment made to the Certificate Insurer on such Distribution Date pursuant to Section 4.02(a)(xvi) and the amount of Cumulative Insurance Payments after giving effect to any such Certificate Insurance Payment or any such reimbursement payment to the Certificate Insurer; and (xxiv) the amount of Rounding Account withdrawals for 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. 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 CERTIFICATE POLICY OF MBIA INSURANCE CORPORATION [ON FILE] EXHIBIT SIX 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 EXHIBIT SEVEN [FORM OF BACK-UP CERTIFICATION TO FORM 10-K CERTIFICATE] The undersigned, a Responsible Officer of [_________] (the "Trustee") certifies that: (a) The Trustee has performed all of the duties specifically required to be performed by it pursuant to the provisions of the Pooling and Servicing Agreement dated as of [_________], 2002 (the "Agreement") by and among [__________], as depositor, Residential Funding Corporation, as master servicer, and the Trustee in accordance with the standards set forth therein. (b) Based on my knowledge, the information that is provided by the Trustee pursuant to Section 4.03(e)(I) of the Agreement is accurate as of the last day of the 20[ ] calendar year. Capitalized terms used and not defined herein shall have the meanings given such terms in the Agreement. IN WITNESS WHEREOF, I have duly executed this certificate as of _________, 20__.] Name: Title: